| Value | Category |
|---|---|
| 1 | BAD CREDIT HISTORY |
| 2 | TOO MANY DEBTS |
| 3 | NO CREDIT HISTORY |
| 4 | INSUFFICIENT INCOME |
| 5 | NO COLLATERAL |
| 6 | NO ACCOUNT AT BANK |
| 7 | LACK OF FORMAL PAPERWORK |
| 8 | NO CO-SIGNER |
| 9 | NO REASON GIVEN |
| 10 | PROCESS TOO COMPLICATED |
| 11 | TOOFAR AWAY |
| 12 | THINK WILL NOT QUALIFY |
| 13 | OTHER |
| Sysmiss |