Confidential Proprietary Information of Equifax, Experian, Innovis, TransUnion and/or OLDE

ACCOUNT STATUS CODES

CODE DESCRIPTION
3** Credit card lost or stolen
4** Closed inactive account
5* Account transferred to another office
10** Account renewed or refinanced
11 Current account
13* Paid or closed account/zero balance
61 Account paid in full was a voluntary surrender
62 Account paid in full, was a collection account.
63 Account paid in full was a repossession
64 Account paid in full was a charge-off
65* Account paid in full. A foreclosure was started.
66** Credit grantor paid by co. who originally sold the merchandise
67** Bankruptcy Ch 7, 11 or 12
68** Paid in full for less than the full balance
69** Bankruptcy Ch 13
71 Account 30 days past the due date.
78 Account 60 days past the due date.
80 Account 90 days past the due date.
82 Account 120 days past the due date.
83 Account 150 days past the due date.
84 Account 180 days past the due date.
85** Cannot locate consumer/now located
86** Now paying / was a charge-off
87** Foreclosure proceeding started
88* Claim filed with government for insured portion of balance on a defaulted loan
89* Deed in lieu of foreclosure on a defaulted mortgage
91** Early termination of lease/sales contract by default
92** Claim filed for insurance portion of balance
93 Past due/Assigned to internal or external collections
94* Foreclosure completed/collateral sold to settle defaulted mortgage.
95* Voluntary surrender
96 Merchandise was repossessed by credit grantor
97 Unpaid balance reported as a loss/charge off
98** Credit grantor cannot locate consumer
UR** Unrated/unknown
*
PAYMENT RATING REQUIRED
**
Obsolete Code - provide response in Metro 2

PAYMENT RATING CODES

Required for Account Status Codes 05, 13, 65, 88, 89, 94, 95
CODE DESCRIPTION
*
Delete (ACDV only)
0
Current account
1
30 - 59 days past due date
2
60 - 89 days past due date
3
90 - 119 days past due date
4
120 - 149 days past due date
5
150 - 179 days past due date
6
180 or more days past due date
G
Collection
L
Charge Off

CodeSheet 11212011

Revised 11/21/11

SPECIAL COMMENT CODES

CODE DESCRIPTION
*
Delete previously reported Special Comment Code (ACDV/AUD)
B
Account payments managed by financial counseling program
C
Paid by Co-maker or Guarantor.
H
Loan assumed by another party
I
Election of remedy
M
Account closed at credit grantors request
O
Account transferred to another lender
S
Special Handling/Contact credit grantor for additional information
V
Adjustment pending
AB Debt being paid through insurance
AC Paying under a partial payment agreement
AG Simple interest loan
AH Purchased by another lender
AI Recalled to military active duty
AJ Payroll deduction
AL Student loan permanently assigned to government
AM Account payments assured by wage garnishment
AN Account acquired by FDIC/NCUA.
AO Voluntarily surrendered, then redeemed or reinstated
AP Credit line suspended
AS Account closed due to refinance
AT Account closed due to transfer
AU Account paid in full for less than full balance
AV First payment never received
AW Affected by natural or declared disaster.
AX Account paid from collateral
AZ Redeemed or reinstated repossession
BA Transferred to Recovery
BB Full termination/status pending
BC Full termination/obligation satisfied
BD Full termination/balance owing
BE Early termination/status pending
BF Early termination/obligation satisfied
BG Early termination/balance owing
BH Early termination/insurance loss
BI Involuntary repossession
BJ Involuntary repossession/obligation satisfied
BK Involuntary repossession/balance owing
BL Credit card lost or stolen
BN Paid by company which originally sold the merchandise
BO Foreclosure proceedings started
BP Paid through insurance
BS Prepaid lease. Consumer paid lease in advance. No monthly payments are due.
BT Principal deferred/Interest payment only
CH Guaranteed/Insured
CI Account closed due to inactivity
CJ Credit line no longer available - in repayment phase
CK Credit Line reduced due to collateral depreciation
CL Credit Line suspended due to collateral depreciation
CM Collateral released by creditor / Balance owing
CN Loan modified under a federal government program
CO Loan modified
CP** Account in Forbearance
CS Used by Child Support Agencies only when reporting collection accounts.
DM* Acquired from another lender
MR* Substitute/replacement account
* ACDV Request Codes only.
**SCC CP is effective for use as of 12/21/11

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Confidential Proprietary Information of Equifax, Experian, Innovis, TransUnion and/or OLDE

CODE
1A
2A
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z

CODE
XA
XB
XC
XD
XE
XF
XG
XH
XJ
XR

CONSUMER INFORMATION INDICATORS

DESCRIPTION
Personal Receivership
Lease Assumption
Petition for Chapter 7 Bankruptcy
Petition for Chapter 11 Bankruptcy
Petition for Chapter 12 Bankruptcy
Petition for Chapter 13 Bankruptcy
Discharged through Bankruptcy Chapter 7
Discharged through Bankruptcy Chapter 11
Discharged through Bankruptcy Chapter 12
Discharged/Completed through Bankruptcy Chapter 13
Chapter 7 Bankruptcy Dismissed
Chapter 11 Bankruptcy Dismissed
Chapter 12 Bankruptcy Dismissed
Chapter 13 Bankruptcy Dismissed
Chapter 7 Bankruptcy Withdrawn
Chapter 11 Bankruptcy Withdrawn
Chapter 12 Bankruptcy Withdrawn
Chapter 13 Bankruptcy Withdrawn
Removes previously reported Bankruptcy Indicator (A through P
and Z) or Personal Receivership Indicator (1A)
Reaffirmation of Debt
Removes previously reported Reaffirmation of Debt, Reaffirmation of
Debt Rescinded and Lease Assumption Indicators (R, V, W, X, Y, 2A)
Credit Grantor Cannot Locate Consumer
Consumer Now Located (Removes previously reported T Indicator)
Chapter 7 Reaffirmation of Debt Rescinded
Chapter 11 Reaffirmation of Debt Rescinded
Chapter 12 Reaffirmation of Debt Rescinded
Chapter 13 Reaffirmation of Debt Rescinded
Bankruptcy

COMPLIANCE CONDITION CODES

DESCRIPTION
Account closed at consumers request
Account information disputed by consumer (Meets requirement of the FCRA)
Completed investigation of FCRA dispute/Consumer disagrees
Account closed at consumers request and in dispute under FCRA
Account closed at consumers request and dispute investigation completed/
Consumer disagrees
Account in dispute under Fair Credit Billing Act
FCBA Dispute resolved/Consumer disagrees
Account previously in dispute/Now resolved/Reported by credit grantor
Account closed at consumers request and in dispute under FCBA
Removes the most recently reported Compliance Condition Code

CodeSheet 11212011

Revised 11/21/11

CODE
(blank)
#
$
0
1
2
3
4
5
6
7
8
8A
8P
8R
9
9P
A
B
C
D
E
F
G
H
J
M
S
U
Z
CD
CF
CJ
CN
CP
CQ
CS
CT
CU
CX
CZ

MANNER OF PAYMENT CODES

DESCRIPTION
UNRATED
In bankruptcy/other party
Assigned to US Department of Education
Too New
As agreed, not more than 1 payment past due
Pays 30-59 days, not more than 2 payments past due
Pays 60-89 days, not more than 3 payments past due
Pays 90-119 days, not more than 4 payments past due
Pays over 120 days, 5 or more payments past due
Collection Account (ACDVs only)
Making payments/Wage Earner Plan or similar arrangement
Repossession
Voluntary repossession
Repossession, making payments
Repossession redeemed
Charged-off to bad debt
Making payments on an account rated 09 or 9B
Account is inactive
Lost or stolen card
Contact Member for status
Refinanced or Renewed
Consumer deceased
In financial counseling
Foreclosure process started
In WEP or other party
Adjustment pending
Included in Chapter 13
Dispute-resolution pending
Need account # to check
Account included in bankruptcy
Collection status unpaid
Collection status in financial counselling
Collection status adjustment pending
Collection status new listing
Collection status paid
Collection status unsettled
Collection status disputed - Resolution pending
Collection status payment
Collection status unknown
Collection status checked
Collection status in bankruptcy or other party

Page 2 of 4

Confidential Proprietary Information of Equifax, Experian, Innovis, TransUnion and/or OLDE

CODE
0
1
2
3
4
5
6
7
8
0A
0C
0F
0G
10
11
12
13
15
17
18
19
1A**
1C
20
22
23
25
26
27**
29
2A
2C
30**
31**
34
37
3A
43
**

ACCOUNT TYPES
DESCRIPTION
Auto
Unsecured
Secured
Partially Secured
Home Improvement
FHA Home Improvement Loan
Installment Sales Contract
Charge Account
Real estate - Specific Type Unknown
Time Share Loan
Factoring Company Account
Construction Loan
Flexible Spending Credit Card
Business Loan
Recreational Merchandise
Education Loan
Lease
Check Credit or Line of Credit
Manufactured Housing
Credit Card
FHA Real Estate Mortgage Loan
Lender Placed Insurance
Household Goods
Note Loan
Secured by Household Goods
Secured by Household Goods and Other Collateral
VA Real Estate Mortgage Loan
Conventional Real Estate Mortgage - Purchase Money First
Real estate mortgage
Rental Agreement
Secured Credit Card
FmHA Real Estate Mortgage Loan
Summary of Accounts with the Same Status
Unknown
Debt Counseling Service
Combined Credit Plan
Auto Lease
Debit Card
Obsolete Code - provide response in Metro 2

CODE
C
I
M
O
R

PORTFOLIO TYPES
DESCRIPTION
Line of credit
Installment
Mortgage
Open account (30 or 90 days)
Revolving (open-end account)

CodeSheet 11212011

Revised 11/21/11

CODE
47
48
4D
50
5A
5B
65
66
67
68
69
6A
6B
6D
70
71
72
73
74
75
77
78**
7A
7B
85**
87**
89
8A
8B
90
91
92
93
94**
95
9A
9B

ACCOUNT TYPES
DESCRIPTION
Credit Line Secured
Collection Agency/Attorney
Telecommunications/Cellular
Family Support
Real Estate - Jr. Liens and Non-Purchase Money First
Second Mortgage
Government Unsecured Guaranteed Loan
Government Secured Guaranteed Loan
Government Unsecured Direct Loan
Government Secured Direct Loan
Government Grant
Commercial Installment Loan
Commercial Mortgage Loan
Home Equity
Government Overpayment
Government Fine
Government Fee for Services
Government Employee Advance
Government Miscellaneous Debt
Government Benefit
Returned Check
Installment Loan
Commercial Line of Credit
Agricultural
Bi-Monthly Mortgage Payments
Semi-Monthly Mortgage Payments
Home Equity Line of Credit
Business Credit Card
Deposit Related
Medical Debt
Debt Consolidation
Utility Company
Child Support
Spouse Support
Attorney Fees
Secured Home Improvement
Business Line Personally Guaranteed

**

Obsolete Code - provide response in Metro 2

Page 3 of 4

Confidential Proprietary Information of Equifax, Experian, Innovis, TransUnion and/or OLDE

CODE
0
1
2
3
4
5
6
B
D
E
G
H
J
K

84-MONTH PAYMENT HISTORY

DESCRIPTION
0 past due (current)
30 - 59 days past due date
60 - 89 days past due date
90 - 119 days past due date
120 - 149 days past due date
150 - 179 days past due date
180 or more days past due date
No history prior to this month
No history for that month
Zero balance and current
Collection
Foreclosure
Voluntary Surrender
Repossession

CODE
0**
1
2
3
4**
5
6**
7
T
W
X
Z*

ECOA CODES
DESCRIPTION
Undesignated (accounts open before 06/77)
Individual
Joint contractual liability
Authorized user
Joint
Co-Maker
On behalf of
Maker
Association with account terminated
Business/Commercial
Consumer deceased
Delete Borrower

*
**

Revised 11/21/11

CODE
1
2
6
8
10
12
14**
15
19
23
24
31
37
38
39
40
41
100
101
102
103
104
105
106
107
108
109
110
111
112
**

DISPUTE CODES
DESCRIPTION
Not his/hers
Belongs to another individual with same/similar name
Not aware of collection
Late due to change of address - never received statement
Settlement or partial payments accepted
Claims paid the original creditor before collection status or paid before charge-off
Claims paid before collection status
Credit Limit and/or High Credit amount incorrect
Included in the bankruptcy of another person
Claims account closed
Claims account closed by consumer
Contract cancelled or rescinded
Account included in bankruptcy
Claims active military duty
Insurance claim delayed
Account involved in litigation
Claims victim of natural or declared disaster
Claims account deferred
Not liable for account (i.e. ex-spouse, business)
Account reaffirmed or not included in bankruptcy
Claims true identity fraud/account fraudulently opened
Claims account take-over, fraudulent charges made on account
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/ Closed
Disputes present/previous Account Status/Payment History Profile/Payment Rating
Disputes Special Comment/Compliance Condition Code/narrative remarks
Disputes Account Type or Terms Duration/Terms Frequency or Portfolio Type disputed
Disputes current balance
Claims company will change
Claims company will delete
Claims inaccurate information
Obsolete Dispute Code

Valid only on Associated Consumer Information screen in the ACDV

or AUD in e-OSCAR
Obsolete codes in Metro 2

CodeSheet 11212011

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