EFTA00091706.pdf

Glossary of account conditions and payment status Version 8— Numeric • •• • "..Experian S:•• ..... • This glossary is for interpreting data on the Credit Profile Report from Experian. For information on how to report data, please refer to the Credit Reporting Resource Guide (CRRG) developed by the Consumer Data Industry Association. Account conditions Code Account Explanation Code Account Explanation condition condition A BK7PET Petitioned for Chapter 7 bankruptcy X BKI2RESC Reaffirmation of debt rescinded Chapter 12 bankruptcy B BKIIPET Petitioned for Chapter 11 bankruptcy V BKI3RESC Reaffirmation of debt rescinded Chapter 13 bankruptcy C BKI2PET Petitioned for Chapter 12 bankruptcy Al OPEN Open account D BKI3PET Petitioned for Chapter 13 A2 PAID Paid account/Zero balance bankruptcy Ar CLOSED Closed account E BK7DISC Discharged through A4 INACTIVE Inactive account Chapter 7 bankruptcy 03 CRC DLOST Credit card lost or stolen F BKIIDISC Discharged through Chapter 11 bankruptcy 05 TRANSFER Account transferred to another office G BKI2DISC Discharged through Chapter 12 bankruptcy 10 REFINANC Account renewed or refinanced H BKI3DISC Discharged through 21* DECEASED Consumer reported as deceased Chapter 13 bankruptcy 6r PDBYDLER Credit grantor paid by the company BK7DISM Dismissed Chapter 7 bankruptcy that originally sold the merchandise J BKIIDISM Dismissed Chapter 11 bankruptcy 67* BKLIQREO Debt included in or discharged through Chapter 7, 11 or 12 K BK12DISM Dismissed Chapter 12 bankruptcy bankruptcy L BKI3DISM Dismissed Chapter 13 bankruptcy 68 SETTLED Account legally paid in full for less M BK7W/D Withdrawn Chapter 7 bankruptcy than the full balance N BK11W/D Withdrawn Chapter 11 bankruptcy 69, BKADJPLN Debt included in or discharged 0 BK12W/D through Chapter 13 bankruptcy Withdrawn Chapter 12 bankruptcy 85 SCNL LOC Consumer now located/Was credit BK13W/D Withdrawn Chapter 13 bankruptcy grantor could not locate consumer R BKREAFF Reaffirmation of debt 87' FOREPROC Foreclosure proceeding started BK7RESC Reaffirmation of debt rescinded 88' GOVCLAIM Claim filed with government for Chapter 7 bankruptcy insured portion of balance on loan W BKIIRESC Reaffirmation of debt rescinded Chapter 11 bankruptcy 'An asfeetsk indicates thinmay be a need(or fuelherieview. EFTA00091706  Account conditions (continued) Code Account Explanation Code Account Explanation condition condition 89' DEEDLIEU Credit grantor received deed for 94* FOR ECLOS Credit grantor reclaimed collateral collateral in lieu of foreclosure on to settle defaulted mortgage a defaulted mortgage 95' VOLUSURR Voluntary surrender 91* TRMDFALT Early termination by default 96' REPOSSES Merchandise was taken back by of original terms of lease or credit grantor/There may be a sales contract balance due 92' INSCLAIM Claim filed for insured portion 97' CHARGOFF Unpaid balance reported as a loss of the balance 98' SCNL Credit grantor cannot 93' COLLACCT Account seriously past locate consumer due/Account assigned to attorney, collection agency or credit grantor's internal collections department *An astertsA mthcales there may be a need fa furlher fewer,. Display Payment amount types This is a sample of how trades display: E = Estimated Account condition S = Scheduled and payment status OPEN CUR WAS 30 A = Actual Account condition only COLL ACCT 25-month payment history Two account conditions PAID COLL ACCT C = Current Delinquency counters 1 = 30 days past due date 30160/90 +/DEROG 2 = 60 days past due date 30 = Number of times 30 days delinquent 3 = 90 days past due date 60 = Number of times 60 days delinquent 4 = 120 days past due date 90 = Number of times 90+ days delinquent 5 = 150 days past due date DEROG = Number of times derogatory 6 = 180 days or more past due date (greater than 180 days delinquent) 7 = 69, D. H,Y Terms frequency 8 = 42, 87, 89. 94, 95.96 D = Deferred 9 = 66, 67, 86.88, 91, 92, 93, 97, A, B, C, E. F, G, V,W, X P = Single-payment loan N = Current account/Zero balance— no update W = Weekly received for this trade B = Biweekly 0 = Current with zero balance reported on tape E = Semimonthly = No history reported that month L = Bimonthly B = Account condition change/Payment code is = Quarterly not applicable T = Triannually G = Collection S = Semiannually H = Foreclosure Y = Annually J = Voluntary surrender K = Repossession L = Charge-off 2 EFTA00091707 Payment status Code Payment status Explanation Code Payment status Explanation 00 NO STATUS No status CUR WAS 60 Current account)Was 60 days past due date or CUR WAS 60-2 Current account/Was 60 days past due date two times 38' CUR WAS 90 Current account/Was 90 days past due date 08• CUR WAS 60-3 Current account/Was 60 days past due date three times 39, CUR WAS 120 Current account/Was 120 days past due date 09' CUR WAS 60-4+ Current account/Was 60 days past due date 4o. CUR WAS 150 Current account/Was 150 days four or more times past due date 11 CURR ACCT Account in good standing 41' CUR WAS 180 Current account/Was 180 days past due date 14' CUR WAS 90-2 Current account/Was 90 days past due date two times 42' REDEEMD REPO Account now redeemed/was a repossession 15• CUR WAS 90-3+ Current account/Was 90 days past due date 43* CUR WAS COLL Current account/Was a three or more times collection account, an 16* CUR WAS 120-2+ insurance claim or a Current account/Was government claim or was 120 days past due date terminated for default two or more times 45. CUR WAS FORE Current account/Foreclosure tr CUR WAS 150-2+ Current account/Was was started 150 days past due date two or more times 71* 30 DAY DEL Account 30 days past due date 72* 60 2TIMES Account 60 days past due date 72' 30 2TIMES Account 30 days past due date two times two times 23* 60 3TIMES Account 60 days past due date 734 30 3TIMES Account 30 days past due date three times three times 24' 60 4+ TIMES Account 60 days past due date 74. 30 4TIMES Account 30 days past due date four or more times four times 25• 90 2TIMES Account 90 days past due date 75. 30 STIMES Account 30 days past due date two times five times 26' 90 3+ TIMES Account 90 days past due date 76* 30 6+ TIMES Account 30 days past due date three or more times six or more times 27* 120 2+ TIMES Account 120 days past due 77* 30 WAS 60 Account 30 days past due date/ date two or more times was 60 days past due date 21? 150 2+ TIMES Account 150 days past due 78' DELINQ 60 Account 60 days past due date date two or more times 79* DEL WAS 90 Account 30 or 60 days past 29* 90 WAS 120+ Account 90 days past due due date/was 90 days past date/was 120 days or more due date past due date 804 DELINQ 90 Account 90 days past due date CUR WAS 30 Current account/Was 30 days 81' DEL WAS 120+ Account 30 or 60 days past past due date due date/was 120 days or more 32' CUR WAS 30-2 Current account/Was 30 days past due date past due date two times DELINQ 120 Account 120 days past 33° CUR WAS 30-3 Current account/Was 30 days due date past due date three times 83" DELINQ 150 Account 150 days past 34' CUR WAS 30-4 Current account/Was 30 days due date past due date four times 84* DELINQ 180 Account 180 days past a5• CUR WAS 30-5 Current account/Was 30 days due date past due date five times 86" COFF NOW PAY Now paying/Was a charge-off 36' CUR WAS 30-6+ Current account/Was 30 days past due date six or more times asterisk indicates thye maybe a need for forth., review 3 EFTA00091708 Purpose type of account Type Short Explanation Type Short Explanation Type Short Explanation code name code name code name 00 AUT Auto loan 25 R/V VA real-estate mortgage 69 G/G Government grant (terms in years) 01 UNS Unsecured loan 6A CIL Commercial installment loan 26 R/C Conventional real-estate 02 SEC Secured loan 6B C/M Commercial mortgage — mortgage, including terms in years 03 P/S Partially secured loan purchase money and first mortgage (terms in years) 6C CGA Credit granting — possible 04 H/I Home-improvement loan additional offers 27 R/O Real-estate mortgage 05 FHA FHA home- (terms in months), with or 6D HE1 Home equity improvement loan without collateral (usually 70 GOP O6 ISC Government overpayment Installment sales contract second mortgage) 71 G/F Government fine 07 CHG Revolving charge account 29 REN Rental agreement 72 GFS Government fee for service 06 R/E Real estate, unknown type, 2A SCC Secured credit card terms in years (revolving terms) 73 GEA Government employee 09 SCO advance Loan secured by cosigner 2C FMH Real-estate mortgage, Farmers Home 74 GMD Government miscellaneous OA TSL Time-share loan Administration (FMHA) debt 0C FCO Factoring company (terms in years) 75 GIB Government benefit OE NCP Subscriber numeric inquiry 30 SUM Summary of accounts — 77 RCK Returned check OF CSL Construction loan — new same status 78 I/L Installment loan 0G FSC Flexible spending credit card 31 UNK Unknown — extension of credit, review or collection 7A CLC Commercial line of credit 10 BUS Commercial transaction (revolving terms) with personal liability, 33 EXM Manual mortgage (4999) 78 AGR Agriculture guarantee or written 37 CCP Combined credit plan, instruction revolving account 7C SAA Service activation — possible additional offers 11 REC Recreational merchandise 3A AUL Auto lease loan 83 PPI Prescreen/Extract post- 3C LIC Government/State licensing prescreen inquiry 12 EDU Educational loan 43 D/C Debit card 85 BMP 13 LEA Bimonthly mortgage Lease 47 CLS Credit line secured, payment (terms in years) 14 COS Cosigner (not borrower) revolving 86 MRI Automated mortgage report 15 C/C Check credit or line of credit 48 COL Collection deptartment/ 87 SMP Semimonthly mortgage 16 F/C FHA cosigner attorney/agency payment (terms in years) (not borrower) 4D CEL Cellular phone 89 H/E Home-equity line of credit 17 M/H Manufactured home a TXC Tax collection (CA SB168) (revolving terms) 18 CRC Credit card 50 F/S Family support 8A BCC Business credit card 19 R/F (revolving terms) FHA mortgage SA RES Real estate —junior liens (terms in years) and nonpurchase money 8B DEP Deposit-related 1A LPI Lender-placed insurance first (terms in years) 90 MED Medical debt It3 LBP Legitimate business 5B R/S Second mortgage —terms 91 CON Debt consolidation purpose in months 92 UTI Utility company IC PHG Purchase of household 5C CSA Checking or savings — possible additional offers 93 C/S Child support goods 20 NTE 65 UGL Government-guaranteed 94 S/S Spouse support Note loan unsecured loan 95 ATV Attorney fees 21 NCS Note loan with cosigner 66 SGL Government-guaranteed 96 CKG Checking account 22 HHG Secured by household secured loan goods 98 C/G Credit granting 67 UDL Government-direct 23 H+O Secured by household unsecured loan 9A SHI Secured home improvement goods/other collateral 9B BPG 68 SDL Government-direct Business line personally secured loan guaranteed EFTA00091709 ECOA codes with definitions Public record glossary Association with account currently active Account Explanation conditions Association terminated as of date reported BK 7-PETIT Petition Chapter 7 bankruptcy (liquidation) X Deceased: This individual has been reported as deceased. There may or may not be other BK 7-DISCHG Discharged Chapter 7 bankruptcy people associated with this account. (liquidation) BK 7-DISMIS Dismissed Chapter 7 bankruptcy 0 A Undesignated: Reported by Experian only. (liquidation) H Individual: This individual has contractual BK 11-PETIT Petition Chapter 11 bankruptcy responsibility for this account and is primarily (reorganization) responsible for its payment Termination code BK 11-DISCHG Discharged Chapter 11 bankruptcy H is to be used only in cases of mortgage (reorganization) loans being assumed by others. BK 11-DISMIS Dismissed Chapter 11 bankruptcy 2 B Joint account —contractual (reorganization) responsibility: This individual is expressly BK 12-PETIT Petition Chapter 12 bankruptcy obligated to repay all debts arising on this (adjustment of debt — family farmer) account by reason of having signed an BK 12-DISCHG Discharged after completion Chapter agreement to that effect. There are other 12 bankruptcy (adjustment of debt — people associated with this account who may family farmer) or may not have contractual responsibility. BK 12-DISMIS Dismissed Chapter 12 bankruptcy 3 C Authorized user. This individual is an (adjustment of debt — family farmer) authorized user of this account; another BK 13-PETIT Petition Chapter 13 bankruptcy individual has contractual responsibility. (adjustment of debt) 4 D Joint account: This individual participates in BK 13-DISCHG Discharged/Completed Chapter 13 this account. The association cannot be bankruptcy (adjustment of debt) distinguished between joint account — BK 13-DISMIS Dismissed Chapter 13 bankruptcy contractual responsibility or authorized user. (adjustment of debt) 5 E Cosigner: This individual has guaranteed CH SUP JUDG Child support delinquency judgment this account and assumes responsibility CH SUP SATIS Child support delinquency should signer default This code is to be used judgment satisfied only in conjunction with code 7 signer. CIV CL JUDG Civil claim judgment 6 F On behalf of: This individual has signed an CIV CL SATIS Civil claim judgment satisfied application for the purpose of securing credit for another individual, other than spouse. CIV CLVACAT Civil claim judgment vacated either before or after it has been satisfied 7 G Signer. This individual is responsible for this FED TAX LIEN Federal tax lien account which is guaranteed by a cosigner. This code is to be used in lieu of codes 2 and FED TAX REL Federal tax lien released 3 when there is a code 5 cosigner. SM CL JUDGMT Small-claims judgment w Business/Commercial: This association SM CL SATIS Small-claims judgment satisfied code is used to identify that the company SM CLVACAT Small-claims judgment vacated reported in the name field is associated either before or after it has with the account. been satisfied STATE TX LN State tax lien STATE TX REL State tax lien released SUIT DISMISS Suit dismissed or discontinued SUIT FILED Suit filed 5 EFTA00091710 Kind of business codes Code Explanation Code Explanation Code Explanation AB Auto rental FF Sales financing companies LA Air conditioning/heat/plumbing/ AC Fl electrical sales Auto leasing Investment firms FL LF Fixture and cabinet suppliers AF Farm implement dealers Savings and loans — mortgage LP Paint, glass, wallpaper store AL Truck dealers FM Mortgage companies AN FP LZ Lumber/Building material/ Automobile dealers, new Personal loan companies Hardware — nonspecific AP Automotive parts FR Mortgage reporters AR Auto repair, body shops FS Savings and loan companies MA Animal hospitals AS Service stations FT Investment securities MB Dentists AT TBA stores, tire dealers FU Bulk purchase finance MC Chiropractors AU Automobile dealers, used FW Bulk purchase finance - general MD Doctors AZ Automotive — nonspecific FY Miscellaneous loan broker MF Funeral homes FZ Finance companies — nonspecific MG Medical group BB All banks — nonspecific MH Hospitals and clinics BC Bank credit cards GD Dairies MM Cemeteries BI Bank — installment loans GN Neighborhood grocers MO Osteopaths BM Bank — mortgage department GS Supermarkets MP Pharmacies and drugstores BN Industrial bank GZ Groceries — nonspecific MS Optometrists and optical outlets BO Co-op bank MV Veterinarians BS Savings bank HA Appliance sales and service MI Medical and related HC Carpets and floor coverings health — nonspecific CG General clothing store HD Interior decorators/designers CS Specialty clothing store HF Home furnishing stores NA Airlines CZ Clothing store— nonspecific HM Music and record stores ND Credit card — department store HR Furniture rentals NF Credit card — finane company DC Complete department stores HT TV and radio sales and service NS Credit card — savings and loan DV Variety stores HZ Home furnishings — nonspecific NU Credit card — credit union DI Department and variety NZ National credit card/airlines — stores — nonspecific IG General insurance nonspecific IL Life insurance EB Business education IZ Insurance— nonspecific oc Oil company credit cards EC Colleges OZ Oil companies — nonspecific EL Student loans JA Jewelers ET Technical education PA Accountants and related services JP Computer sales and service EU Universities PB Barber and beauty shops JV Videotape rental and sales EV Vocational and trade schools PC Equipment leasing JZ Jewelry/Cameras and EZ Education — nonspecific computers — nonspecific PD Dry cleaning/Laundry/related PE Engineering/all kinds FA Auto financing companies KG General contractors PF Florists FB Mortgage brokers KU Home-improvement contractor PG Photographers FC Credit unions KS Subcontractors PH Health and fitness clubs FD Bail bonds KZ Contractors — nonspecific PI Detective service 6 EFTA00091711 Code Explanation Code Explanation Code Explanation PL Legal and related services UL Long-distance phone company YL Collections attorney PM Check-cashing services UO Online/Internet services YR Repossession company PN Restaurants/Concessions UP Cellular and paging services YZ Collections — nonspecific PP Pest control UR Waste recycling/handlers PR Country clubs US SatelliteTV/Direct ZA Auto reseller PS broadcast providers ZB Employment screening Credit report brokers PZ UT Local telephone service provider ZC Personal service (nonmedical) — Credit reporting agencies nonspecific UV Home security company ZD Direct-to-consumer reseller UW Wireless telephone service provider ZE Employment reseller QZ Mail-order houses — nonspecific UZ Utilities and fuel — nonspecific IF Finance reseller ZI Insurance reseller RA Apartments VC City and county IL Leasing and rental reseller RC Office leasing VF Federal government ZM Manufacturing RD Mobile home dealers VK Child support services ZP Personal service reseller RE Real-estate sales and rentals VL Law enforcement ZR Retail not elsewhere classified RH Hotels VS State government ZS Services not elsewhere classified RM Motels VX Court codes ZT Tenant screeners reseller RP Mobile home park VZ Government — nonspecific ZW Wholesale not elsewhere classified RR Property and property ZY Collection reseller management company WA Automotive supplies ZZ RZ All others not elsewhere classified Real-estate/public WB Building supplies/Hardware accommodations — nonspecific WC Clothing and dry goods WD Drugs, chemicals and related goods SA Aircraft sales and service WG Wholesale grocery and SB Boats and marinas sales related products and service WH Home furnishings SM Motorcycles and bicycles sales and service WM Machinery, equipment supplies SZ Sporting goods — nonspecific WP Credit card processors WZ Wholesale— nonspecific TC Farm chemicals and fertilizer stores TF Feed and feed stores XD Direct-mail list services TN Nursery and landscaping XL List processing vendors TZ Farm and garden supplies/ XM Media services — nonspecific XZ Advertising — nonspecific UA Water utilities/Bottled water YA Collection department —ACB UC CableTV providers credit bureau UD Garbage and rubbish disposal YB Collection department— bank UE Electric light and power company YC Other collection agencies OF Fuel oil distributors YD Collection department — department store UG Gas company, natural and bottled YF Collection department — UH Coal and wood suppliers loan company 7 EFTA00091712 Special comment codes Code Description Code Description B Account payments being managed by financial AU Account legally paid in full for less than the full balance counseling service AV First payment never received C Paid by cosigner AW Affected by natural or declared disaster E Primary maker filed bankruptcy AX Account paid by collateral F Secondary maker filed bankruptcy AY Now paying Account closed due to transfer or refinance AZ Redeemed repossession H Assignor — loan has been assumed by another party BA Transferred to recovery Election of remedy — reported by subscriber BB Full termination/status pending M Account closed at credit grantor's request BC Full termination/obligation satisfied O Transferred to another lender BD Full termination/balance owing S Special handling — contact subscriber if more information BE Early termination/status pending is needed BF Early termination/obligation satisfied V Adjustment pending — reported by subscriber SG Early termination/balance owing AB Debt being paid through insurance BM Early termination/insurance loss AC Paying under a partial or modified payment agreement Al Involuntary repossession AF Single payment loan BJ Involuntary repossession/obligation satisfied AG Simple interest loan BK Involuntary repossession/balance owing AH Purchased by another lender BL Credit card lost or stolen Al Recalled to military active duty BN Paid by company who originally sold the merchandise AJ Payroll deduction BO Foreclosure proceeding started AL Student loan permanently assigned to government BP Paid through insurance AM Account payments assured by wage garnishment BS Prepaid lease AN Account acquired by RTC/FDIC/NCUA ET Principal deferred/interest payment only AO Voluntarily surrendered —then redeemed CH Guaranteed/insured AP Credit line suspended CI Closed due to inactivity AR Contingent liability DM Acquired from another lender AS Account closed due to refinance MR Substitute/replacement account AT Account closed due to transfer Compliance condition codes XF = Account in dispute under Fair Credit Billing Act (FCBA) XB = Account information disputed by consumer XG = FCBA dispute resolved — consumer disagrees XC = Completed investigation of Fair Credit Reporting Act XH = Account previously in dispute— now resolved, reported (FCRA) dispute — consumer disagrees by credit grantor XD = Account closed at consumer's request and in dispute XJ = Account closed at consumer's request and in dispute under FCRA under FCBA XE = Account closed at consumer's request and dispute XZ = Account closed at consumer's request investigation completed —consumer disagrees 02009 ExpenanIn5ormation Sdueons. Inc. • All rights reserved Exper Ian Expenan and the marts used heron ace servos marks or 475 Anton Blvd. Costa Mesa. CA 92626 membered trademarks of Expenan Information solutions. Inc. T: 1 888 010 1120 Other product and company names mentioned heron may ‘svow.expertan.com be the trademarks of their respective owners. COMO. 122412554 • 4498C.CS EFTA00091713