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Glossary

74-GMD? FP Business Code? FACS+
Indicator 05? Credit reporting jargon can be confusing. The following page lists all credit reporting codes, terms, and abbreviations used by Equifax, Experian, and TransUnion.

		General Codes				Subscriber Code Number
		Status Comments				ACB Codes
		Civil/Municipal Court Judgement				Kinds of Business Codes
		Federal & State Tax Lien				Experian - FACS+
		County & City Tax Lien				TransUnion - HAWK
		Public Record Codes				Equifax - Safescan
		ECOA Codes

GENERAL CODES
Status Code	Abbrev.	Explanation
00	AUT	Auto
01	UNS	Unsecured
02	SEC	Secured
03	P/S	Partially secured
04	H/I	Home improvement
05	FHA	FHA home improvement
06	ISC	Installement sales contract
07	CHG	Charge account
08	R/E	Real estate specific type unknown-terms are in yrs.
09	SCO	Secured by cosigner
10	BUS	Business loan personally guaranteed
11	REC	Recreational merchandise
12	EDU	Education
13	LEA	Lease
14	COS	Cosigner
15	C/C	Check credit or line of credit
16	F/C	FHA cosigner (not borrower)
17	M/H	Mobile home
18	CRC	Credit card
19	R/F	FHA real estate mortgage-terms are in years
20	NTE	Note loan
21	NCS	Note loan with cosigner
22	HHG	Secured by household goods
23	H+O	Secured by household goods and other collateral
25	R/V	VA real estate mortgage-terms are in years
26	R/C	Conventional real estate mortgage-terms are in yrs
27	R/O	R/E mortgage, usually a second-terms are in months
29	REN	Rental agreement
30	SUM	Summary of accounts with same status
31	UNK	Unknown-credit extension, review or collection
24	DCS	Debt counseling services
37	CCP	Combined credit plan
43	D/C	Debit card
47	CLS	Creditline secured
48	COL	Collection department/agency/attorney
49	INS	Insurance underwriting
50	F/S	Family support
65	UGL	Government unsecured guaranteed loan
66	SGL	Government secured guaranteed loan
67	UDL	Government unsecured direct loan
68	SDL	Government secured direct loan
69	G/G	Government grant
70	GOP	Government overpayment
71	G/F	Government fine
72	GFS	Government fee for service
73	GEA	Government employee advance
74	GMD	Government miscellaneous debt
75	G/B	Government benefit
77	RCK	Returned check
78	I/L	Installment loan
83	PPI	Post prescreen/extract prescreen inquiry
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STATUS COMMENTS
Status Code	Abbrev.	Explanation
01	INQUIRY	A copy of the Profile Report has been sent to this credit grantor at their request
03	CR CD LOST	Credit card lost or stolen
05	TRANSFERRED	Account transferred to another office
10	REFINANCED	Account renewed or refinanced
11	CURR ACCT	This is either an open or closed account in good standing. If the account is a credit card or charge account, it should be available for use and there may be a balance due. If the account is closed, there were no past due amounts reported and it was paid.
12	PAID SATIS	Closed account/paid satisfactorily
13	PAID ACCT	Closed account/zero balance
20	CR LN CLOS	Credit line closed/reason unknown or by consumer request/there may be a balance due
37	CUR WAS 60	Current account/was delinquent 60 days past due date
38	CUR WAS 90	Current account/was delinquent 90 days past due date
39	CUR WAS 120	Current account/was delinquent 120 days past due date
40	CUR WAS 150	Current account/was delinquent 150 days past due date
41	CUR WAS 180	Current account/was delinquent 180 days past due date
43	CUR WASCOL	Current account/was a collection account, insurance claim or govt claim
45	CUR WASFOR	Current account-foreclosure was started
51	PD WAS 30	Paid account/ was 30 days past due date
56	PD WAS 60	Paid account/was delinquent 60 days past due date
57	PD WAS 90	Paid account/ was 90 days past due date
58	PD WAS 120	Paid account/ was 120 days past due date
59	PD WAS 150	Paid account/was 150 days past due date
60	PD WAS 180	Paid account/was 180 days past due date
61	PD VOL SUR	Paid account/was a voluntary surrender
62	PD COLL AC	Paid account/was a collection account, insurance claim or govt claim
63	PD REPO	Paid account/was a repossession
64	PD CHG OFF	Paid account/was a charge-off
65	PD FORECLO	Paid account-foreclosure was started
67	BK LIQ REO	Debt included in or discharged through chapter 7,11,or 12 Bankruptcy
69	BK ADJ PLN	Debt included in or completed through Chapter 13 Bankruptcy
71	30 DAY DEL	Account 30 days past due date
77	30 WAS 60	Account was delinquent 60 days past due date/now 30 days past due date
78	DELINQ 60	Account delinquent 60 days past due date
79	DEL WAS 90	Account was delinquent 90 days past due date/now 30 or 60 days past due date
80	DELINQ 90	Account delinquent 90 days past due date
81	DEL WAS 120	Account was delinquent 120 days or more past due date/now 30,60, or 90 days past due date
82	DELINQ 120	Account delinquent 120 days past due date
83	DELINQ 150	Account delinquent 150 days past due date
84	DELINQ 180	Account delinquent 180 days past due date
85	SCNL NWLOC	Credit grantor could not locate consumer/consumer now located
86	CO NOW PAY	Now paying/was charged-off
87	FORE PROC	Foreclosure proceeding started
88	GOV CLAIM	Claim filed with govt for insured portion of balance on defaulted student loan
89	DEEDINLIEU	Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage
90	CLOS NP AA	Credit line closed/not paying as agreed
91	TERMDFALT	Early termination by default of original terms of lease or sales contract
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CIVIL/MUNICIPAL COURT JUDGEMENT
Status Code	Abbrev.	Explanation
106	SUIT	Suit Filed
107	SUIT DISMD	Suit dismissed or discontinued
108	JUDGMENT	Judgement
109	JUDGMT SAT	Judgement satisfied
114	JUDG VACAT	Judgement satisfied and vacated or reversed
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FEDERAL & STATE TAX LIEN
Status Code	Abbrev.	Explanation
312	FED TX REL	Federal tax lien released
336	FEDTAXLIEN	Federal tax lien
412	STA TX REL	State tax lien released
436	STAT TX LN	State tax lien
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COUNTY & CITY TAX LIEN
Status Code	Abbrev.	Explanation
512	CO LN REL	County tax lien released
536	CO LIEN	County tax lien
612	CITY LN RE	City tax lien released
636	CITY LIEN	City tax lien
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PUBLIC RECORD CODES
Status Code	Abbrev.	Explanation
013	BK 13-FILE	Petition in Chapter 13 Bankruptcy (adjustment of debt) filed
015	BK 7-DISC	Voluntary or involuntary petition in Chapter 7 Bankruptcy (liquidation) discharged
016	BK 13-DISM	Petition in chapter 13 Bankruptcy (adjustment of debt) dismissed
017	BK 13-DISC	Petition in Chapter 13 Bankruptcy (adjustment of debt) discharged/completed
022	BK 11-DISM	Voluntary or involuntary petition in Chapter 11 Bankruptcy (reorganization) dismissed
024	BK 7-DISM	Voluntary or involuntary petition in Chapter 7 Bankruptcy (liquidation) dismissed
025	BK 11-FILE	Voluntary or involuntary petition in Chapter 11 Bankruptcy (reorganization) filed
026	BK 11-DISC	Voluntary or involuntary petition in Chapter 11 Bankruptcy (reorganization) discharged
027	BK 12-FILE	Petition in Chapter 12 Bankruptcy (adjustment of debt-family farmer) filed
028	BK 12-DISC	Petition in Chapter 12 Bankruptcy (adjustment of debt-family farmer) discharged after completion
029	BK 12-DISM	Petition in Chapter 12 Bankruptcy (adjustment of debt-family farmer) dismissed
036	BK 7-FILE	Voluntary or involuntary petition in Chapter 7 Bankruptcy (liquidation) filed
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ECOA CODES WITH DEFINITIONS
Association with account currently active
	Deceased: This individual has been reported as deceased. There may or may not be other people associated with this account
0	Undesignated: Reported by Experian only.
1	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.
2	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.
3	Authorized user: This individual is an authorized user of this account; another individual has contractual responsibility.
4	Joint account: This individual participated in this account. The association cannot be distinguished between joint account-contractual responsiblilty or authorized user.
5	Cosigner: This individual has guaranteed this account and assumes reponsibility should signer default. This code only to be used in conjunction with code 7 signer.
6	On behalf of: This individual has signed an application for the purpose of securing credit for another individual, other than spouse.
7	Signer: This individual is responsible for this account, which is guaranteed by cosigner. This code is to be used in lieu of codes 2 and 3 when there is a code 5 cosigner.
INDICATES WHO THE ACCOUNT BELONGS TO
A	Applicant
B	Co-Applicant
C	Both
DELINQUENCY COUNTERS
30-#	= Number of times of occurrence
60-#	= Number of times of occurrence
90-#	= Number of times of occurrence
120-#	= Number of times of occurrence
example:
30-3	= 30 Days delinquent 3 times
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THE SUBSCRIBER CODE NUMBER
Association with account currently active
0	Public Record/Associations
1	Bank
2	Bank Credit Card
3	Retail
4	Credit Card
5	Loan Finance
6	Sales Finance
7	Credit Union
8	Savings & Loan
9	Service & Professional
24-MONTH PAYMENT HISTORY
C	Current
N	Current/zero balance reported
1	30 days past due date
2	60 days past due date
3	90 days past due date
4	120 days past due date
5	150 days past due date
6	180 days past due date
-	(Dash) No history reported for that month
(BLANK)	No history maintained, see status comment
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ACB CODES
Trade Item Additional Status Enhancements
Type of Account (1st Position)
R	Revolving
I	Installment
M	Mortgage
Y	Collection
O	Open
C	Check Credit/Line of Credit
Rate Code Fannie Mae Accounts (2nd Position)
0	Current(Too new)
1	Current
2	30 Days Delinquent
3	60 Days Delinquent
4	90 Days Delinquent
5	120 Days Delinquent
6	150 Days Delinquent
7	Wage Plan or Bankruptcy
8	Repossess/Foreclose
9	Collection/Chargeoff
Rate Code Non Fannie Mae Accounts (2nd Position)
0	Current(Too new)
1	Current
2	30 Days Delinquent
3	60 Days Delinquent
4	90 Days Delinquent
5	120 Days Delinquent
6	150 Days Delinquent
7	Wage Plan or Bankruptcy
8	Repossess/Foreclose
9	Collection/Chargeoff
Additional: RATE CODE
B	Account Condition Change, Pay code not applicable
C	Current
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KIND OF BUSINESS CODES (KOB)

AC Auto rental AF Auto leasing AL Farm implement dealers AN Truck dealers AP Automobile dealers, new AR Automotive parts AS Auto repair, body shops AT Service stations AU TBA stores, tire dealers