It has a scoring range starting at 1 (low) and ends at 600 (high) with lower scores being a greater risk for filing for bankruptcy within the next 2 years. Most credit card issuers do not disclose the use of BNI on a letter of denial and it is difficult for consumers to know their score.
This system has a scoring range from 1 (low) to 600 (high), with lower scores indicating a greater likelihood of bankruptcy within the next two years. Credit card companies rarely explain how they use BNI in denial letters, making it hard for consumers to know their score.