Appendix 1 Credit Bureau Report Key

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Account Status Codes

Information on commercial accounts should be obtained by contacting the respective 

commercial credit reporting agency. The account status codes best describe whether the 

account is current or past due. For codes not described here, contact the credit bureau/credit 

reporting agency from which the report was generated. The following information is contained 

in the Metro 2 Format for reporting consumer accounts found at 

http://www.cdiaonline.org/data.cfm.

Code Description

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

63 Account paid in full, was a repossession

64 Account paid in full, was a charge-off

65 Account paid in full; A foreclosure was started

71 Account 30-59 days past the due date

78 Account 60-89 days past the due date

80 Account 90-119 days past the due date

82 Account120-149 days past the due date

83 Account 150-179 days past the due date

84 Account 180 or more 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; there may be a 

balance due

93 Account assigned to internal or external collections

94 Foreclosure Completed; there may be a balance due
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Credit Bureau Report Key

95 Voluntary surrender; there may be a balance due

96 Merchandise was repossessed; there may be a balance due

97 Unpaid balance reported as a loss(charge-off)

DA Delete entire account (for reasons other than fraud)

DF Delete an entire account due to confirmed fraud (fraud 

___________ investigation completed)

NOTE: In order to maintain the integrity of credit information, it is important 

that credit grantors not ask for a subsequent deletion of account history unless 

an actual error was reported. Paid derogatory accounts, such as collections, 

should be reported as paid; they should not be deleted.

Equal Credit Opportunity Act (ECOA) Codes

The ECOA code defines the relationship of consumer to the accounting compliance with the

Equal Credit Opportunity Act.

Code Description

1 Individual (This consumer has contractual responsibility for this account and is 

primarily responsible for its payment 

2 Joint contractual Liability (This consumer has contractual responsibility for this 

joint account)

3 Authorized User (This consumer is an authorized user of this account; 

another consumer has contractual responsibility.)

5 Co-maker or Guarantor (This consumer is the co-maker or guarantor for this 

account, who becomesliable if the maker defaults.)

7 Maker (This consumer is the maker who is liable for the account, but a comaker or guarantor is liable if the maker defaults.)

T Terminated (The association with the account has been terminated by this 

consumer.)

X Deceased (This consumer is deceased.)

W Business/Commercial (This code is used to identify that the company reported in 

the Name field is contractually liable for this account.)

Z Delete Consumer (This code is used to delete this consumer from the 

account.)

NOTE: Only inaccurately reported consumers should be deleted.
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Credit Bureau Report Key

Other Reporting Codes Used

The following codes may also be found on a debtor’s credit report:

Code Description

Reporter Name Name of processing company sending the data, i.e, data furnisher

or processor.

Date Opened Date the account was originally opened. 

Retain the original Date Opened 

regardless of future activity, such as 

transfer, refinance, lost or stolen card, 

etc.

Highest Credit or

Original Loan Amount Line of Credit - highest balance ever attained

 Mortgage - original amount of loan (excluding interest payments)

Open - highest balance ever attained 

Revolving - highest balance ever attained

Terms Duration Duration of credit extended (usually stated in months or years) 

Current Balance Current balance owed on the account as of the Date of Account 

Information

Amount Past Due Total amount of payments that are 30 days or more past due in 

whole dollars only. This field should include late charges and fees, 

if applicable.

Original Creditor Name (long descriptor—k1 segment, original creditor name)

Account Type C=Line of Credit, M=Mortgage, R=Revolving,

O=Open, I=Installment
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