| Value | Category |
|---|---|
| -99 | refused to answer |
| -88 | not provided |
| -77 | not applicable |
| -66 | Do not know |
| -44 | Skip |
| 1 | collateral or cosigners unacceptable |
| 2 | insufficient profitability |
| 3 | problems with credit history/report |
| 4 | incompleteness of loan application |
| 5 | concerns about level of debt already incurred |
| 6 | other objections |