Edit, did my own research: these codes are part of the credit report and represent the status of the account each month. They aren&#x27;t the only factor (length of history, utilization, number of accounts, and type of accounts matters too):<p>R0 or I0: Not enough credit history to judge risk.<p>R1 or I1: On-time payment, in 1 month.<p>R2 or I2: Late payment, in 2 months.<p>R3 or I3: Late payment, in 3 months.<p>R4 or I4: Late payment, in 4 months.<p>R5 or I5: 120+ day late reporting.<p>R7 or I7: Consolidated debt payment.<p>R8 or I8: Repossession.<p>R9 or I9: Default.