<CREDITBUREAU> - Sub element of <LOAN>

Attribute Type Size REQ Default Comments
CreditBureauHeader String   No None  
PortfolioType String 1 No None C = Line of Credit
I = Installment
M = Mortgage
O = Open Account
R = Revolving
AccountType String 2 No None 7B = Agricultural
95 = Attorney Fees
00 = Auto
3A = Auto Lease
8A = Business Credit Card
9B = Business Line Personally Guaranteed
10 = Business Loan
07 = Charge Account
93 = Child Support
48 = Collection Agency/Attorney
37 = Combined Credit Plan
6A = Commercial Installment Loan
7A = Commercial Line of Credit
6B = Commercial Mortgage Loan
0F = Construction Loan
26 = Conventional Real Estate Mortgage - including Purchase Money First
18 = Credit Card
47 = Credit Line Secured
43 = Debit Card
91 = Debt Consolidation
0C = Debt Purchaser (aka Factoring Company)
8B = Deposit Related
12 = Education
50 = Family Support
2C = Farmers Home Administration (FmHA) Real Estate Mortgage Loan
05 = Federal Housing Administration (FHA) Home Improvement Loan
19 = Federal Housing Administration (FHA) Real Estate Mortgage Loan
0G = Flexible Spending Credit Card
75 = Government Benefit
73 = Government Employee Advance
72 = Government Fee for Services
71 = Government Fine
69 = Government Grant
74 = Government Miscellaneous Debt
70 = Government Overpayment
68 = Government Secured Direct Loan
66 = Government Secured Guaranteed Loan
67 = Government Unsecured Direct Loan
65 = Government Unsecured Guaranteed Loan
6D = Home Equity
89 = Home Equity Line of Credit
04 = Home Improvement
1C = Household Goods
06 = Installment Sales Contract
13 = Lease
15 = Line of Credit
17 = Manufactured Housing
90 = Medical Debt
20 = Note Loan
03 = Partially Secured
5A = Real Estate - Junior Liens and Non-Purchase Money First
08 = Real Estate, specific type unknown
11 = Recreational Merchandise
29 = Rental Agreement
77 = Returned Check
5B = Second Mortgage
02 = Secured
22 = Secured by Household Goods
23 = Secured by Household Goods and Other Collateral
2A = Secured Credit Card
9A = Secured Home Improvement
4D = Telecommunications/Cellular
0A = Time Share Loan
01 = Unsecured
92 = Utility Company
25 = Veteran’s Administration (VA) Real Estate Mortgage Loan
ECOACode
String 1 No N The ECOA code is used for related parties in the credit bureau reporting. Valid values:
N = No reporting
1 = Individual
2 = Joint Contractual Liability
3 = Authorized User
5 = Co-Maker or Guarantor
7 = Maker
T = Association with account terminated
W = Business / Commercial
X = Consumer Deceased
Z = Delete Consumer
ConsumerInfoIndicator String 2 No
‘ ‘ (2 spaces)		 Must be 2 characters in length (e.g. “A “ is A + SPACE)
= Retains previously reported value, or no new value applies for this activity period
A = Petition for Chapter 7 Bankruptcy
B = Petition for Chapter 11 Bankruptcy
C = Petition for Chapter 12 Bankruptcy
D = Petition for Chapter 13 Bankruptcy
E = Discharged through Bankruptcy Chapter 7
F = Discharged through Bankruptcy Chapter 11
G = Discharged through Bankruptcy Chapter 12
H = Completed through Bankruptcy Chapter 13
I = Chapter 7 Bankruptcy Dismissed
J = Chapter 11 Bankruptcy Dismissed
K = Chapter 12 Bankruptcy Dismissed
L = Chapter 13 Bankruptcy Dismissed
M = Chapter 7 Bankruptcy Withdrawn
N = Chapter 11 Bankruptcy Withdrawn
O  = Chapter 12 Bankruptcy Withdrawn
P = Chapter 13 Bankruptcy Withdrawn
Z = Bankruptcy : Undesignated Chapter

CII code I through P and Z are obsolete as of April 21, 2021.

1A = Personal Receivership
Q = Removes previously reported Bankruptcy Indicator
R = Reaffirmation of Debt
V = Chapter 7 Reaffirmation of Debt Rescinded
2A = Lease Assumption
S = Removes previously reported Reaffirmation of Debt and Reaffirmation of Debt Rescinded Indicators
T = Credit Grantor Cannot Locate Consumer
U = Consumer Now Located (Removes previously reported T Indicator)
AccountStatus String 2 No None Applicable only if this is a conversion loan.
To set to NULL, use “” (blank value).
05 = Account transferred to another office
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, insurance claim or government claim
63 = Account paid in full was a repossession
64 = Account paid in full was a charge-off
65 = Account paid in full was a foreclosure
71 = Account 30 days past the due date
78 = Account 60 days past the due date
80 = Account 90 days pas 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
88 = Claim filed with government for insured portion of balance on defaulted loan
89 = Deed received in lieu of foreclosure on a defaulted mortgage
93 = Account seriously past due and/or assigned to internal or external collections
94 = Foreclosure/credit grantor sold collateral to settle defaulted mortgage
95 = Voluntary surrender
96 = Merchandise was repossessed by credit grantor; there may be a balance due
97 = Unpaid balance reported as a loss by credit grantor (charge-off)
DA = Delete entire account
DF = Delete entire account due to confirmed fraud
Using this attribute during an UPDATE operation with a NULL value signifies that the checkbox is to be unchecked and the override no longer applicable.
PaymentHistoryOverride String 24 No   Applicable only if this is a conversion loan.
From left to right in most recent to least recent order.
0 = 0 payments past due (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
B = No payment history available prior to this time. A “B” may not be embedded within other values.
D = No payment history available this month. “D” may be embedded in the payment pattern.
E = Zero balance and current account (Applies to Credit Cards and Lines of Credit)
G = Collection
H = Foreclosure
J = Voluntary Surrender
K = Repossession
L = Charge-off
For Canadian Loans:
Y = Financial Counseling5.16+
Z = Too New to Rate5.16+
DoNotReport Numeric 1 No 0 0 = False
1 = True
PaymentRating String 1 No   Valid values:
To set to NULL, use “” (blank value).
0 = Current Account
1 = 30–59 days past the due date
2 = 60–89 days past the due date
3 = 90–119 days past the due date
4 = 120–149 days past the due date
5 = 150–179 days past the due date
6 = 180 or more days past the due date
G = Collection
L = Charge-off
Using this attribute during an UPDATE operation with a NULL value signifies that the checkbox is to be unchecked and the override no longer applicable.
SpecialComment String 2 No   Valid values:
Must be 2 characters in length (e.g. “M “ is M + SPACE)
AN = Account acquired by RTC/FDIC/NCUA
CP = Account in forbearance5.16+
M  = Account closed at credit grantor’s request
CI = Account closed due to inactivity5.16+
AS = Account closed due to refinance
AT = Account closed due to transfer
CL = Account line suspended due to collateral depreciation5.16+
AX = Account paid from collateral
AU = Account paid in full for less than the full balance
AM = Account payments assured by wage garnishment
B  = Account payments managed by Credit Counseling Service
O = Account transferred to another lender
V  = Adjustment pending
AW = Affected by natural disaster
CM = Collateral released by creditor/balance owing5.16+
BL = Credit card lost or stolen
CJ = Credit line no longer available - in repayment phase5.16+
CK = Credit line reduced due to collateral depreciation5.16+
AP = Credit Line suspended
AB = Debt being paid through insurance
DE = Debt extinguished under state law5.35.6+
BG = Early termination/balancing owing
BH = Early termination/insurance loss
BF = Early termination/obligation satisfied
BE = Early termination/status pending
I  = Election of remedy
AV = First payment never received
BO = Foreclosure proceedings started
BD = Full termination/balance owing
BC = Full termination/obligation satisfied
BB = Full termination/status pending
CH = Guaranteed/Insured
BI = Involuntary repossession
BK = Involuntary repossession/balance owing
BJ = Involuntary repossession/obligation satisfied
H  = Loan assumed by another party
CO = Loan modified5.16+
CN = Loan modified under a federal government plan5.16+
C  = Paid by Co-maker
BN = Paid by company which originally sold the merchandise
BP = Paid through insurance
AC = Paying under a partial payment agreement
AJ = Payroll deduction
BS = Prepaid lease
BT = Principal deferred/interest payment only
AH = Purchased by another lender
AI = Recalled to active military duty
AZ = Redeemed repossession
   = Removes any previously reported Special Comment Code
AG = Simple interest loan
S  = Special handling. Contact credit grantor for additional information
AL = Student loan permanently assigned to government
BA = Transferred to Recovery
CS = Used by Child Support Agencies only when reporting collection amounts
AO = Voluntarily surrendered - then redeemed
ComplianceCode String   No BLANK Valid values:
BLANK = Retains previously reported value or no new Compliance Condition Code5.30+
XA = Account closed at consumer’s request
XB = Account information disputed by customer
XC = Completed investigation of FCRA dispute – consumer disagrees
XD = Account closed at consumer’s request and in dispute under FCRA
XE = Account closed at consumer’s request and dispute investigation completed, consumer disagrees
XF = Account in dispute under Fair Credit Billing Act
XG = FCBA Dispute resolved – consumer disagrees
XH = Account previously in dispute – now resolved, reported by data furnisher
XJ = Account closed at consumer’s request and in dispute under FCBA
XR = Removes the most recently reported Compliance Condition Code
FuturePaymentHistoryOverride String 1 No   Valid values:
0 = 0 payments past due (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
B = No payment history available prior to this time. A “B” may not be embedded within other values
D = No payment history available this month. “D” may be embedded in the payment pattern
E = Zero balance and current account (applies to Credit Cards and Lines of Credit)
G = Collection
H = Foreclosure
J = Voluntary Surrender
K = Repossession
L = Charge-off
Using this attribute during an UPDATE operation with a NULL value signifies that the checkbox is to be unchecked and the override no longer applicable.
OverrideDateOf1stDelinquency Date       MM/dd/yyyy or as configured by the DATEFMT user defined parameter.
CoBorrowerECOACode String 1 No   Valid values:
N = No reporting
2 = Joint Contractual Liability
3 = Authorized User
5 = Co Maker
T = Association with account terminated
W = Business / Commercial
X = Consumer Deceased
Z = Delete Borrower
CoBorrowerConsumerInfoIndicator String 2 No   Must be 2 characters in length (e.g. “A “ is A + SPACE)
98 = Same as primary
   = Retains previously reported value, or no new value applies for this activity period
A  = Petition for Chapter 7 Bankruptcy
B  = Petition for Chapter 11 Bankruptcy
C  = Petition for Chapter 12 Bankruptcy
D  = Petition for Chapter 13 Bankruptcy
E  = Discharged through Bankruptcy Chapter 7
F  = Discharged through Bankruptcy Chapter 11
G  = Discharged through Bankruptcy Chapter 12
H  = Completed through Bankruptcy Chapter 13
I  = Chapter 7 Bankruptcy Dismissed
J  = Chapter 11 Bankruptcy Dismissed
K  = Chapter 12 Bankruptcy Dismissed
L  = Chapter 13 Bankruptcy Dismissed
M  = Chapter 7 Bankruptcy Withdrawn
N  = Chapter 11 Bankruptcy Withdrawn
O  = Chapter 12 Bankruptcy Withdrawn
P  = Chapter 13 Bankruptcy Withdrawn
Z  = Bankruptcy : Undesignated Chapter

CII code I through P and Z are obsolete as of April 21, 2021.

1A = Personal Receivership
Q  = Removes previously reported Bankruptcy Indicator
R  = Reaffirmation of Debt
V  = Chapter 7 Reaffirmation of Debt Rescinded
2A = Lease Assumption
S  = Removes previously reported Reaffirmation of Debt and Reaffirmation of Debt Rescinded Indicators
T  = Credit Grantor Cannot Locate Consumer
U  = Consumer Now Located (removes previously reported T Indicator)
K2Indicator5.11+
Numeric 1     Valid values:
1 = Purchased From Name
2 = Sold To Name
9 = Remove Previously Reported K2 Segment Information
K2CompanyName5.11+
String 30     If K2Indicator = 9, leave blank.
K3AgencyIdentifier5.21+
Numeric 2 No   Valid values:
0 or 00
1 or 01
2 or 02
K3AccountNumber5.21+
String 18 No   Valid only when K3AgencyIdentifier = 01 or 02.
Not valid if K3AgencyIdentifier = 00.
Alphanumeric only.
K3MIN5.21+
String 18 No   Valid only when K3AgencyIdentifier is specified.
Alphanumeric only.
AutomatedK4Flag5.28+
Numeric 1 No 1 0 = Disable K4 Segment
1 = Enable K4 Segment
N1EmployerName5.16+
String 30      
N1EmployerFirstLineOfAddress5.16+
String 32     Valid only when N1EmployerName is specified.
N1EmployerSecondLineOfAddress5.16+
String 32     Valid only when N1EmployerName is specified.
N1EmployerCity5.16+
String 20     Valid only when N1EmployerName is specified.
N1EmployerState5.16+
String 2     Valid only when N1EmployerName is specified.
N1EmployerZip5.16+
String 9     Valid only when N1EmployerName is specified.
N1Occupation5.16+
String 18     Valid only when N1EmployerName is specified.
OptionFlags5.38+
Numeric 1 No 0 1 = Do Not Report (overridden by DoNotReport)
2 = DOFD Override is treated as BK Petition/Personal Receivership Date
DateSoldToCollections5.41+
Date   No   MM/dd/yyyy or as configured by the DATEFMT user defined parameter.