Edit, did my own research: these codes are part of the credit report and represent the status of the account each month. They aren't the only factor (length of

Edit, did my own research: these codes are part of the credit report and represent the status of the account each month. They aren't the only factor (length of history, utilization, number of accounts, and type of accounts matters too): R0 or I0: Not enough credit history to judge risk. R1 or I1: On-time payment, in 1 month. R2 or I2: Late payment, in 2 months. R3 or I3: Late payment, in 3 months. R4 or I4: Late payment, in 4 months. R5 or I5: 120+ day late reporting. R7 or I7: Consolidated debt payment. R8 or I8: Repossession. R9 or I9: Default.