Transcription of Experian Glossary of Account Conditions & …
1 AccountAccountCode ConditionExplanationCodeConditionExplana tionAccount Conditions85 SCNL LOCC onsumer now located/was credit grantorcould not locate consumer87* FOREPROCF oreclosure proceeding started88* GOVCLAIMC laim filed with government for insured portion of balance on loan89* DEEDLIEUC redit grantor received deed for collateralin lieu of foreclosure on a defaulted mortgage91* TRMDFALTE arly termination by default of original terms of lease or sales contract92* INSCLAIMC laim filed for insured portion of the balance93* COLLACCTA ccount seriously past due/ Account assigned to attorney, collection agency or credit grantor s internal collection department94* FORECLOSC redit grantor reclaimed collateral to settle defaulted mortgage95* VOLUSURRV oluntary surrender96* REPOSSESM erchandise was taken back by creditgrantor/there may be a balance due97* CHARGOFFU npaid balance reported as a loss by the credit grantor98* SCNLC redit grantor cannot locate consumerA1 OPENOpen accountA2 PAIDPaid Account /zero balanceA3* CLOSEDC losed accountA4 INACTIVEI nactive account03 CRCDLOSTC redit card lost or stolen05 TRANSFERA ccount transferred to another office10 REFINANCA ccount renewed or refinanced21* DECEASEDC onsumer reported as deceased66* PDBYDLERC redit grantor paid by the companywho originally sold the merchandise67* BKLIQREODebt included in or discharged through Bankruptcy Chapter 7, 11.
2 Or 1268 SETTLEDA ccount legally paid in full for lessthan the full balance69* BKADJPLNDebt included in or discharged through Bankruptcy Chapter 13 Experian Glossary of Account Conditions & Payment Status Numeric* An asterisk indicates there may be a need for further reviewCodePayment StatusExplanationCodePayment StatusExplanation* An asterisk indicates there may be a need for further reviewPayment Status00NO STATUSNo status07* CUR WAS 60-2 Current Account /was 60 days past due date 2 times08* CUR WAS 60-3 Current Account /was 60 days past due date 3 times09* CUR WAS60-4+Current Account /was 60 days past due date 4 or more times11 CURR ACCTThis is an Account in good standing14* CUR WAS90-2 Current Account /was 90 days past due date2 times15* CUR WAS90-3+Current Account /was 90 days past due date 3 or more times16* CURWAS120-2+Current Account /was 120 days past due date 2 or more times17* CURWAS150-2+Current Account /was 150 days past due date 2 or more times22* 60 2 TIMESA ccount 60 days past due date 2 times23* 60 3 TIMESA ccount 60 days past due date 3 times24* 60 4+ TIMESA ccount 60 days past due date 4 or moretimes25* 90 2 TIMESA ccount 90 days past due date 2 times26* 90 3+ TIMESA ccount 90 days past due date 3 or more times27* 120 2+ TIMESA ccount 120 days past due date 2 or more times28* 150 2+ TIMESA ccount 150 days past due date 2 or more times29* 90 WAS 120+ Account 90 days past due date/was120 days or more past due date31* CUR WAS 30 Current Account /was 30 days past due date 32* CUR WAS 30-2 Current Account /was 30 days past due date 2 times 33* CUR WAS 30-3 Current Account /was 30 days past due
3 Date 3 times 34* CUR WAS 30-4 Current Account /was 30 days past due date 4 times 35* CUR WAS 30-5 Current Account /was 30 days past due date 5 times36* CUR WAS30-6+Current Account /was 30 days past due date 6 or more times 37* CUR WAS 60 Current Account /was 60 days past due date 38* CUR WAS 90 Current Account /was 90 days past due date 39* CUR WAS 120 Current Account /was 120 days past due date 40* CUR WAS 150 Current Account /was 150 days past due date 41* CUR WAS 180 Current Account /was 180 days past due date 42* REDEEMD REPOA ccount now redeemed/was a repossession 43* CUR WAS COLLC urrent Account /was a collection Account , insurance claim, government claim orterminated for default 44 CR LN REINSTA ccount available for use and in good standing/was a closed account45* CUR WAS FOREC urrent Account /foreclosure was started71* 30 DAY DELA ccount 30 days past due date72* 30 2 TIMESA ccount 30 days past due date 2 times73* 30 3 TIMESA ccount 30 days past due date 3 times74* 30 4 TIMESA ccount 30 days past due date 4 times75* 30 5 TIMESA ccount 30 days past due date 5 times76* 30 6+ TIMESA ccount 30 days past due date 6 or moretimes77* 30 WAS 60 Account 30 days past due date/was 60 days past due date78* DELINQ 60 Account 60 days past due date79* DEL WAS 90 Account 30 or 60 days past due date/was90 days past due date80* DELINQ 90 Account 90 days past due date81* DEL WAS 120+ Account 30 or 60 days past due date/was120 days or more past due
4 Date82* DELINQ 120 Account 120 days past due date83* DELINQ 150 Account 150 days past due date84* DELINQ 180 Account 180 days past due date86* COFF NOW PAYNow paying/was a charge offThe Subscriber Code NumberThe second digit represents the subscriber s Public Record/Associations1 Bank2 Bank Credit Card3 RetailExample: 32345674 Credit Card^5 Loan Finance6 Sales Finance7 Credit Union8 Savings & Loan9 Service & ProfessionalBK 7-PETITB ankruptcy Chapter 7 (liquidation) PetitionBK 7-DISCHGB ankruptcy Chapter 7 (liquidation) DischargedBK 7-DISMISB ankruptcy Chapter 7 (liquidation) DismissedBK 11-PETITB ankruptcy Chapter 11 (reorganization) PetitionBK 11-DISCHGB ankruptcy Chapter 11 (reorganization) DischargedBK 11-DISMISB ankruptcy Chapter 11 (reorganization) DismissedBK 12-PETITB ankruptcy Chapter 12 (adjustment of debt-familyfarmer) PetitionBK 12-DISCHGB ankruptcy Chapter 12 (adjustment of debt-familyfarmer) Discharged after completionBK 12-DISMISB ankruptcy Chapter 12 (adjustment of debt-familyfarmer) DismissedBK 13-PETITB ankruptcy Chapter 13 (adjustment of debt) PetitionBK 13-DISCHGB ankruptcy Chapter 13 (adjustment of debt)
5 Discharged/CompletedBK 13-DISMISB ankruptcy Chapter 13 (adjustment of debt)DismissedCH SUP JUDGC hild Support Delinquency JudgmentCH SUP SATISC hild Support Delinquency Judgment SatisfiedCIV CL JUDGC ivil Claim JudgmentCIV CL SATISC ivil Claim Judgment SatisfiedCIV CL VACATC ivil Claim Judgment Vacated either before or afterit has been satisfiedCITY LIENCity Tax LienCITY LN RELCity Tax Lien ReleasedCOUNTY LIENC ounty Tax LienCO LIEN RELC ounty Tax Lien ReleasedFED TAX LIENF ederal Tax LienFED TAX RELF ederal Tax Lien ReleasedMECH LIENM echanic s LienMECH LN RELM echanic s Lien ReleasedSM CL JUDGMTS mall Claims JudgmentSM CL SATISS mall Claims Judgment SatisfiedSM CL VACATS mall Claims Judgment Vacated either before orafter it has been satisfiedSTATE TX LNState Tax LienSTATE TX RELS tate Tax Lien ReleasedSUIT DISMISSSuit Dismissed or DiscontinuedSUIT FILEDSuit FiledWAGE ASSIGNWage AssignmentW/A
6 RELEASEDWage Assignment ReleasedPublic Record GlossaryTypeShortCode Name ExplanationPurpose Type of Account0 ATSLTime Share Loan0 CFCOF actoring Company1 ALPIL ender Placed Insurance1 BLBPL egitimate Business Purpose1 CPHGP urchase of household goods2 ASCCS ecured Credit Card revolving terms2 CFMHReal estate mortgage, Farmers Home Administration(FMHA), terms in years3 AAULAuto Lease3 CLICL icensing4 DCELC ellular5 ARESReal Estate-Jr Liens/Non-Purchase Money First terms in yearsDisplayable - This is a sample of how trades display: Account Condition and Payment StatusOPENCURR WAS 30 Account Condition OnlyCOLL ACCTTwo Account ConditionsPAIDCOLL ACCTD elinquency Counters30/60/90 +/DEROG30= # of times 30 days delinquent60= # of times 60 days delinquent90= # of times 90+ days delinquentDEROG= # of times derogatory42, 66, 67, 69, 86, 87, 88,89, 91, 92, 93, 94, 95, 96, 9725-Month Payment HistoryC= Current1= 30 days past due date2= 60 days past due date3= 90 days past due date4= 120 days past due date5= 150 days past due date6= 180 days or more past due date7=698= 42, 87, 89, 94, 95, 969= 66, 67, 86, 88, 91, 92, 93, 97N= Zero balance not on update tape received0= Current with zero balance reported on tape-= No history reported that month by subscriberB= Account condition change, payment code is not applicableNote.
7 7, 8, & 9= Equivalent Account Condition CodeTypeShortCode Name ExplanationPurpose Type of Account , continued5BR/SSecond Mortgage terms in years5 CCSAC hecking or Savings possible additional offers6 ACILC ommercial Installment Loan6BC/MCommercial Mortgage terms in years6 CCGAC redit granting possible additional offers7 ACLCC ommercial Line of Credit revolving terms7 BAGRA griculture7 CSAAS ervice activation possible additional offers8 ABCCB usiness Credit Card revolving terms8 BBPGD eposit Related8 CIDPP ermissible purpose ID Profile9 ASHIS ecured Home Improvement9 BBPGB usiness Line personally guaranteed00 AUTAuto Loan01 UNSU nsecured Loan02 SECS ecured Loan03P/SPartially Secured Loan04H/IHome Improvement Loan05 FHAFHA Home Improvement Loan06 ISCI nstallment Sales Contract07 CHGR evolving Charge Account08R/EReal Estate.
8 Specific Type Unknown terms in years09SC0 Loan Secured by Cosigner10 BUSB usiness Loan Personally Guaranteed11 RECR ecreational Merchandise Loan12 EDUE ducational Loan13 LEAL ease14 COSC osigner (not borrower)15C/CCheck Credit or Line of Credit16F/CFHA Cosigner (not borrower)17M/HMobile Home18 CRCC redit Card19R/FFHA Real Estate Mortgage terms in years20 NTENote Loan21 NCSNote Loan with Cosigner22 HHGS ecured by Household Goods23H + OSecured by Household Goods/Other Collateral25R/VVA Real Estate Mortgage terms in years26R/CConventional Real Estate Mortgage including purchasemoney and first mortgage terms are in years27R/OReal Estate Mortgage with/without other collateralusually a 2nd mortgage terms in months29 RENR ental Agreement30 SUMS ummary of Accounts with Same Status31 UNKU nknown Extension of Credit, Review or Collection33 EXMM anual Mortgage34 DCSDebt Counseling Service37 CCPC ombined Credit Plan revolving terms43D/CDebit Card47 CLSC redit Line Secured revolving terms48 COLC ollection Department/Agency/Attorney49 INSI nsurance Underwriting50F/SFamily Support65 UGLG overnment Unsecured Guaranteed Loan66 SGLG overnment Secured Guaranteed Loan67 UDLG overnment Unsecured Direct Loan68 SDLG overnment Secured Direct Loan69G/GGovernment Grant70 GOPG overnment Overpayment71G/FGovernment Fine72 GFSG overnment Fee for ServiceTypeShortCode Name Explanation73 GEAG overnment Employee Advance74 GMDG overnment Miscellaneous Debt75G/BGovernment Benefit77 RCKR eturned Check78I/LInstallment Loan83 PPIP rescreen/Extract Post Prescreen Inquiry85 BMPBi-monthly Mortgage Payment terms in years86 MRIA utomated Mortgage Reporting 87
9 SMPSemi-monthly Mortgage Payment terms in years89H/EHome Equity Line of Credit revolving terms90 MEDM edical Debt91 CONDebt Consolidation92 UTIU tility Company93C/SChild Support94S/SSpouse Support95 ATYA ttorney Fees96 CKGC hecking Account98C/GCredit GrantingZZZZZI nstant UpdateECOA Codes with DefinitionsAssociation with Account currently activeAssociation terminated as of date reportedXDeceased: This individual has been reported as deceased. Theremay or may not be other people associated with this Account . 0 AUndesignated: Reported by Experian only. 1 HIndividual: This individual has contractual responsibility for thisaccount and is primarily responsible for its payment. (Terminationcode H to be used only in cases of mortgage loans being assumedby others.) 2 BJoint Account Contractual Responsibility:This individual isexpressly obligated to repay all debts arising on this Account byreason of having signed an agreement to that effect.
10 There areother people associated with this Account who may or may nothave contractual responsibility. 3 CAuthorized User:This individual is an authorized user of thisaccount; another individual has contractual Account :This individual participates in this Account . Theassociation cannot be distinguished between Joint Account Contractual Responsibility or Authorized User. 5 ECosigner: This individual has guaranteed this Account andassumes responsibility should signer default. This code only to beused in conjunction with Code 7 Signer. 6 FOn Behalf Of:This individual has signed an application for thepurpose of securing credit for another individual, other thanspouse. 7 GSigner: This individual is responsible for this Account , which isguaranteed by a Cosigner. This code to be used in lieu of Codes 2and 3 when there is a Code 5 : This association code is used to identifythat the company reported in the name field is associated with rentalACAuto leasingAFFarm implement dealersALTruck dealersANAutomobile dealers, newAPAutomotive partsARAuto repair, body shopsASService stationsAT TBA stores, tire dealersAUAutomobile