Given to the consumer/applicant I would see that as confusing and to say it looks more like a positive, "no adverse factor" more than a negative. Perhaps 1,2,3,4 with 3 and 4 not followed by any description would work.
But the purpose of the AAN and scoring justification is not to confuse the person, but to explain the rationale.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell