Common ECOA denial reason
“Length of residence” — Decoded.
That line on your denial letter isn’t an insult — it’s a standard reason code, and it’s telling you exactly which lever moved against you. Here’s what it actually says about your file, in plain English.
The short answer
“Length of residence” means: You moved recently, your address reads as temporary, or the lender could not confirm where you live. It does not mean: A negative on your credit report — it is a stability screen some lenders apply. The 800 Club’s team turns this reason into a plan on a free strategy call.
Lever: Letter-Specific
Build Phase — time and structure, not tricks