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TU How To Read Credit Report Quick Reference Guide | PDF | Finance & Money Management | Credit
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TU How To Read Credit Report Quick Reference Guide

The document provides codes and descriptions for different types of information that may appear on a credit report. It includes codes for the type of account, date indicators, current manner of payment, and kind of business classifications. The guide contains over 30 different codes to explain terms that could be seen in a credit report.

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186 views1 page

TU How To Read Credit Report Quick Reference Guide

The document provides codes and descriptions for different types of information that may appear on a credit report. It includes codes for the type of account, date indicators, current manner of payment, and kind of business classifications. The guide contains over 30 different codes to explain terms that could be seen in a credit report.

Uploaded by

Innocent
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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Credit Report Quick Reference Guide

Credit report codes


ECOA (Equal Credit Opportunity Act) inquiry Type of account
and account designators
CODE DESCRIPTION
CODE DESCRIPTION O Open Account (30, 60 or 90 days)

A Authorized user of shared account R Revolving or Option


C Joint contractual liability I Installment
I Individual account for sole use of customer M Mortgage
M Account for which subject is liable but co-signer has
C Check credit (line of credit)
liability if the maker defaults
P Participant in shared account which cannot be
distinguished as C or A
KOB (Kind of Business Classifications)
S Account for which subject is co-signer and becomes
liable if maker defaults
T Relationship with account terminated CODE DESCRIPTION
U Undesignated A Automotive
X Deceased B Banks and Savings and Loan Institutions
C Clothing
D Department, Variety and Other Retail
Date indicators
E Educational Organizations and Employment
Services Companies
CODE DESCRIPTION F Finance, Personal
A Automated G Groceries
C Closed H Home Furnishings
F Repossessed/Written off/Collection I Insurance
M Manually frozen J Jewelry, Cameras and Computers
P Paid out K Contractors
R Reported L Lumber, Building Material and Hardware
V Verified M Medical and Related Health
N Credit Card and Travel/Entertainment Companies

MOP (Current Manner of Payment) O Oil Companies


P Personal Services Other Than Medical
Q Credit Unions and Finance Companies Other Than
CODE DESCRIPTION Personal Finance Companies
01 Pays as agreed R Real Estate and Public Accommodations
02 30–59 days past the due date S Sporting Goods
03 60–89 days past the due date T Farm and Garden Supplies
04 90–119 days past the due date U Utilities and Fuel
05 120 days or more past the due date V Government
07 Paying or paid under Wage Earner Plan or W Wholesale
similar arrangement
X Advertising
08 Repossession
Y Collection
8A Voluntary repossession
Z Miscellaneous
8P Paying or paid account with MOP 08
09 Charged off to bad debt
9B Collection account
9P Paying or paid account with MOP 09 or 9B
UR Unrated

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