Glossary of account conditions

Glossary of account conditions and payment status Version 8— Numeric • •• • S: "..Experian ..... •• • 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 condition Explanation Code Account condition Explanation A BK7PET Petitioned for Chapter 7 bankruptcy X BKI2RESC Reaffirmation of debt rescinded B BKIIPET Petitioned for Chapter 11 Chapter 12 bankruptcy bankruptcy V BKI3RESC Reaffirmation of debt rescinded C BKI2PET Petitioned for Chapter 12 Chapter 13 bankruptcy bankruptcy Al OPEN Open account D BKI3PET Petitioned for Chapter 13 A2 PAID Paid account/Zero balance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 BK7DISM Chapter 13 bankruptcy Dismissed Chapter 7 bankruptcy 6r PDBYDLER Credit grantor paid by the company 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bankruptcy L BKI3DISM Dismissed Chapter 13 bankruptcy 68 SETTLED Account legally paid in full for less M BK7W/D Withdrawn Chapter 7 bankruptcy than the full balance N 0 BK11W/D BK12W/D Withdrawn Chapter 11 bankruptcy Withdrawn Chapter 12 bankruptcy 69, BKADJPLN Debt included in or discharged through Chapter 13 bankruptcy BK13W/D Withdrawn Chapter 13 bankruptcy 85 SCNL LOC Consumer now located/Was credit grantor could not locate consumer R BKREAFF Reaffirmation of debt 87' FOREPROC Foreclosure proceeding started BK7RESC Reaffirmation of debt rescinded Chapter 7 bankruptcy 88' GOVCLAIM Claim filed with government for insured portion of balance on loan W BKIIRESC Reaffirmation of debt rescinded Chapter 11 bankruptcy 'An asfeetsk indicates thin may be a need (or fuelherieview. EFTA00091706 Account conditions (continued) Code Account condition 89' DEEDLIEU 91* TRMDFALT 92' INSCLAIM 93' COLLACCT Explanation Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage Early termination by default of original terms of lease or sales contract Claim filed for insured portion of the balance Account seriously past due/Account assigned to attorney, collection agency or credit grantor's internal collections department *An astertsA mthcales there may be a need fa furl her fewer,. Code Account Explanation condition 94* 95' 96' 97' 98' FOR ECLOS Credit grantor reclaimed collateral to settle defaulted mortgage VOLUSURR Voluntary surrender REPOSSES Merchandise was taken back by credit grantor/There may be a balance due CHARGOFF Unpaid balance reported as a loss SCNL Credit grantor cannot locate consumer Display This is a sample of how trades display: Account condition and payment status OPEN CUR WAS 30 Account condition only COLL ACCT Two account conditions PAID COLL ACCT Delinquency counters 30160/90 +/DEROG 30 = Number of times 30 days delinquent 60 = Number of times 60 days delinquent 90 = Number of times 90+ days delinquent DEROG = Number of times derogatory (greater than 180 days delinquent) Terms frequency D = Deferred P = Single-payment loan W = Weekly B = Biweekly E = Semimonthly L = Bimonthly = Quarterly T = Triannually S = Semiannually Y = Annually Payment amount types E = Estimated S = Scheduled A = Actual 25-month payment history C = 1 = 2 = 3 = 4 = 5 = 6 = 7 = 8 = 9 = Current 30 days past due date 60 days past due date 90 days past due date 120 days past due date 150 days past due date 180 days or more past due date 69, D. H,Y 42, 87, 89. 94, 95.96 66, 67, 86.88, 91, 92, 93, 97, A, B, C, E. F, G, V,W, X N = Current account/Zero balance— no update received for this trade 0 = Current with zero balance reported on tape = No history reported that month B = Account condition change/Payment code is not applicable G = Collection H = Foreclosure 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 or CUR WAS 60-2 Current account/Was 60 days past due date two times 38' CUR WAS 90 08• CUR WAS 60-3 Current account/Was 60 days past due date three times 39, CUR WAS 120 09' CUR WAS 60-4+ Current account/Was 60 days past due date four or more times 4o. CUR WAS 150 11 CURR ACCT Account in good standing 41' CUR WAS 180 14' CUR WAS 90-2 Current account/Was 90 days past due date two times 42' REDEEMD REPO 15• CUR WAS 90-3+ Current account/Was 90 days past due date three or more times 43* CUR WAS COLL 16* CUR WAS 120-2+ Current account/Was 120 days past due date two or more times tr CUR WAS 150-2+ Current account/Was 45. CUR WAS FORE 150 days past due date two or more times 71* 30 DAY DEL 72* 60 2TIMES Account 60 days past due date two times 72' 30 2TIMES 23* 60 3TIMES Account 60 days past due date three times 734 30 3TIMES 24' 60 4+ TIMES Account 60 days past due date four or more times 74. 30 4TIMES 25• 90 2TIMES Account 90 days past due date two times 75. 30 STIMES 26' 90 3+ TIMES Account 90 days past due date three or more times 76* 30 6+ TIMES 27* 120 2+ TIMES Account 120 days past due date two or more times 77* 30 WAS 60 21? 150 2+ TIMES Account 150 days past due 78' DELINQ 60 date two or more times 79* DEL WAS 90 29* 90 WAS 120+ Account 90 days past due date/was 120 days or more past due date 804 DELINQ 90 CUR WAS 30 Current account/Was 30 days past due date 81' DEL WAS 120+ 32' CUR WAS 30-2 Current account/Was 30 days past due date two times DELINQ 120 33° CUR WAS 30-3 Current account/Was 30 days past due date three times 83" DELINQ 150 34' CUR WAS 30-4 Current account/Was 30 days past due date four times 84* DELINQ 180 a5• CUR WAS 30-5 Current account/Was 30 days past due date five times 86" COFF NOW PAY 36' CUR WAS 30-6+ Current account/Was 30 days past due date six or more times Current account)Was 60 days past due date Current account/Was 90 days past due date Current account/Was 120 days past due date Current account/Was 150 days past due date Current account/Was 180 days past due date Account now redeemed/was a repossession Current account/Was a collection account, an insurance claim or a government claim or was terminated for default Current account/Foreclosure was started Account 30 days past due date Account 30 days past due date two times Account 30 days past due date three times Account 30 days past due date four times Account 30 days past due date five times Account 30 days past due date six or more times Account 30 days past due date/ was 60 days past due date Account 60 days past due date Account 30 or 60 days past due date/was 90 days past due date Account 90 days past due date Account 30 or 60 days past due date/was 120 days or more past due date Account 120 days past due date Account 150 days past due date Account 180 days past due date Now paying/Was a charge-off asterisk indicates thye maybe a need for forth., review 3 EFTA00091708 Purpose type of account Type Short code name Explanation Type Short code name Explanation Type Short code name Explanation 00 AUT Auto loan 25 R/V VA real-estate mortgage 69 G/G Government grant 01 UNS Unsecured loan (terms in years) 6A CIL Commercial installment loan 02 03 SEC P/S Secured loan Partially secured loan 26 R/C Conventional real-estate mortgage, including purchase money and first 6B C/M Commercial mortgage — terms in years 04 05 H/I FHA Home-improvement loan FHA home- improvement loan 27 R/O mortgage (terms in years) Real-estate mortgage (terms in months), with or 6C 6D CGA HE1 Credit granting — possible additional offers Home equity O6 ISC Installment sales contract without collateral (usually second mortgage) 70 GOP Government overpayment 07 CHG Revolving charge account 29 REN Rental agreement 71 G/F Government fine 06 R/E Real estate, unknown type, 2A SCC Secured credit card 72 GFS Government fee for service terms in years (revolving terms) 73 GEA Government employee 09 SCO Loan secured by cosigner 2C FMH Real-estate mortgage, advance OA TSL Time-share loan Farmers Home Administration (FMHA) 74 GMD Government miscellaneous 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, guarantee or written 33 37 EXM CCP Manual mortgage (4999) Combined credit plan, 78 AGR Agriculture 11 REC instruction Recreational merchandise 3A AUL revolving account Auto lease 7C SAA Service activation — possible additional offers loan 83 PPI Prescreen/Extract post- 12 EDU Educational loan 3C LIC Government/State licensing prescreen inquiry 13 LEA Lease 43 D/C Debit card 85 BMP Bimonthly mortgage 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 FHA mortgage SA RES Real estate —junior liens (revolving terms) (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 purpose 5B R/S Second mortgage —terms in months 91 92 CON UTI Debt consolidation Utility company IC PHG Purchase of household goods 5C CSA Checking or savings — possible additional offers 93 C/S Child support 20 NTE Note loan 65 UGL Government-guaranteed 94 S/S Spouse support 21 22 NCS HHG Note loan with cosigner Secured by household goods 66 SGL unsecured loan Government-guaranteed secured loan 95 96 98 ATV CKG C/G Attorney fees Checking account Credit granting 67 UDL Government-direct 23 H+O Secured by household unsecured loan 9A SHI Secured home improvement goods/other collateral 68 SDL Government-direct secured loan 9B BPG Business line personally guaranteed EFTA00091709 ECOA codes with definitions Public record glossary Association with account currently active 0 2 3 4 5 6 7 w Association terminated as of date reported X Deceased: This individual has been reported as deceased. There may or may not be other people associated with this account. A Undesignated: Reported by Experian only. H Individual: This individual has contractual responsibility for this account and is primarily responsible for its payment Termination code H is to be used only in cases of mortgage loans being assumed by others. B Joint account —contractual responsibility: This individual is expressly obligated to repay all debts arising on this account by reason of having signed an agreement to that effect. There are other people associated with this account who may or may not have contractual responsibility. C Authorized user. This individual is an authorized user of this account; another individual has contractual responsibility. D Joint account: This individual participates in this account. The association cannot be distinguished between joint account — contractual responsibility or authorized user. E Cosigner: This individual has guaranteed this account and assumes responsibility should signer default This code is to be used only in conjunction with code 7 signer. F On behalf of: This individual has signed an application for the purpose of securing credit for another individual, other than spouse. G Signer. This individual is responsible for this account which is guaranteed by a cosigner. This code is to be used in lieu of codes 2 and 3 when there is a code 5 cosigner. Business/Commercial: This association code is used to identify that the company reported in the name field is associated with the account. Account conditions Explanation BK 7-PETIT BK 7-DISCHG BK 7-DISMIS BK 11-PETIT BK 11-DISCHG BK 11-DISMIS BK 12-PETIT BK 12-DISCHG BK 12-DISMIS BK 13-PETIT BK 13-DISCHG BK 13-DISMIS CH SUP JUDG CH SUP SATIS CIV CL JUDG CIV CL SATIS CIV CLVACAT FED TAX LIEN FED TAX REL SM CL JUDGMT SM CL SATIS SM CLVACAT STATE TX LN STATE TX REL SUIT DISMISS SUIT FILED Petition Chapter 7 bankruptcy (liquidation) Discharged Chapter 7 bankruptcy (liquidation) Dismissed Chapter 7 bankruptcy (liquidation) Petition Chapter 11 bankruptcy (reorganization) Discharged Chapter 11 bankruptcy (reorganization) Dismissed Chapter 11 bankruptcy (reorganization) Petition Chapter 12 bankruptcy (adjustment of debt — family farmer) Discharged after completion Chapter 12 bankruptcy (adjustment of debt — family farmer) Dismissed Chapter 12 bankruptcy (adjustment of debt — family farmer) Petition Chapter 13 bankruptcy (adjustment of debt) Discharged/Completed Chapter 13 bankruptcy (adjustment of debt) Dismissed Chapter 13 bankruptcy (adjustment of debt) Child support delinquency judgment Child support delinquency judgment satisfied Civil claim judgment Civil claim judgment satisfied Civil claim judgment vacated either before or after it has been satisfied Federal tax lien Federal tax lien released Small-claims judgment Small-claims judgment satisfied Small-claims judgment vacated either before or after it has been satisfied State tax lien State tax lien released Suit dismissed or discontinued Suit filed 5 EFTA00091710 Kind of business codes Code Explanation Code Explanation Code Explanation AB AC Auto rental Auto leasing FF Fl Sales financing companies Investment firms LA Air conditioning/heat/plumbing/ electrical sales AF Farm implement dealers FL Savings and loans — mortgage LF Fixture and cabinet suppliers AL Truck dealers FM Mortgage companies LP Paint, glass, wallpaper store AN Automobile dealers, new FP Personal loan companies LZ Lumber/Building material/ 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 HC Appliance sales and service Carpets and floor coverings MI Medical and related 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 — f inane 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 EB Business education IL IZ Life insurance Insurance— nonspecific oc Oil company credit cards EC Colleges OZ Oil companies — nonspecific EL Student loans JA Jewelers ET Technical education JP Computer sales and service PA Accountants and related services EU Universities JV Videotape rental and sales PB Barber and beauty shops EV Vocational and trade schools JZ Jewelry/Cameras and PC Equipment leasing 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 Employment screening broadcast providers ZB Credit report brokers PZ Personal service (nonmedical) — UT Local telephone service provider ZC 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 RZ management company Real-estate/public accommodations — nonspecific WA WB Automotive supplies Building supplies/Hardware ZZ All others not elsewhere classified WC Clothing and dry goods SA Aircraft sales and service WD Drugs, chemicals and related goods SB Boats and marinas sales and service WG Wholesale grocery and related products SM Motorcycles and bicycles sales and service WH WM Home furnishings 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/ services — nonspecific XM XZ Media Advertising — nonspecific UA UC Water utilities/Bottled water CableTV providers YA Collection department —ACB credit bureau UD Garbage and rubbish disposal YB Collection department— bank UE Electric light and power company YC Other collection agencies OF UG Fuel oil distributors Gas company, natural and bottled YD Collection department — department store UH Coal and wood suppliers YF Collection department — loan company 7 EFTA00091712 Special comment codes Code Description Code Description B Account payments being managed by financial counseling service AU AV Account legally paid in full for less than the full balance 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 is needed BE Early termination/status pending 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 AF Single payment loan Al Involuntary repossession AG Simple interest loan BJ Involuntary repossession/obligation satisfied AH Purchased by another lender BK Involuntary repossession/balance owing Al Recalled to military active duty BL Credit card lost or stolen AJ Payroll deduction BN Paid by company who originally sold the merchandise AL Student loan permanently assigned to government BO Foreclosure proceeding started BP Paid through insurance AM Account payments assured by wage garnishment AN Account acquired by RTC/FDIC/NCUA BS Prepaid lease AO Voluntarily surrendered —then redeemed ET Principal deferred/interest payment only 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 XB = Account information disputed by consumer XC = Completed investigation of Fair Credit Reporting Act (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 (FCBA) XG = FCBA dispute resolved — consumer disagrees XH = Account previously in dispute— now resolved, reported by credit grantor XJ = Account closed at consumer's request and in dispute under FCBA XZ = Account closed at consumer's request Exper Ian 475 Anton Blvd. Costa Mesa. CA 92626 T: 1 888 010 1120 ‘svow.expertan.com 02009 ExpenanIn5ormation Sdueons. Inc. • All rights reserved Expenan and the marts used heron ace servos marks or membered trademarks of Expenan Information solutions. Inc. Other product and company names mentioned heron may be the trademarks of their respective owners. COMO. 122412554 • 4498C.CS EFTA00091713