| Value | Category |
|---|---|
| -99 | Refused to answer |
| -88 | Not provided |
| -77 | Not applicable |
| -66 | Do not know |
| -44 | |
| 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 |