# Glossary of account conditions and payment status



Version 8 — Numeric




## 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

<table><thead><tr><th>Code</th><th>Account condition</th><th>Explanation</th></tr></thead><tbody><tr><td>A</td><td>BK7PET</td><td>Petitioned for Chapter 7 bankruptcy</td></tr><tr><td>B</td><td>BK11PET</td><td>Petitioned for Chapter 11 bankruptcy</td></tr><tr><td>C</td><td>BK12PET</td><td>Petitioned for Chapter 12 bankruptcy</td></tr><tr><td>D</td><td>BK13PET</td><td>Petitioned for Chapter 13 bankruptcy</td></tr><tr><td>E</td><td>BK7DISC</td><td>Discharged through Chapter 7 bankruptcy</td></tr><tr><td>F</td><td>BK11DISC</td><td>Discharged through Chapter 11 bankruptcy</td></tr><tr><td>G</td><td>BK12DISC</td><td>Discharged through Chapter 12 bankruptcy</td></tr><tr><td>H</td><td>BK13DISC</td><td>Discharged through Chapter 13 bankruptcy</td></tr><tr><td>I</td><td>BK7DISM</td><td>Dismissed Chapter 7 bankruptcy</td></tr><tr><td>J</td><td>BK11DISM</td><td>Dismissed Chapter 11 bankruptcy</td></tr><tr><td>K</td><td>BK12DISM</td><td>Dismissed Chapter 12 bankruptcy</td></tr><tr><td>L</td><td>BK13DISM</td><td>Dismissed Chapter 13 bankruptcy</td></tr><tr><td>M</td><td>BK7W/D</td><td>Withdrawn Chapter 7 bankruptcy</td></tr><tr><td>N</td><td>BK11W/D</td><td>Withdrawn Chapter 11 bankruptcy</td></tr><tr><td>O</td><td>BK12W/D</td><td>Withdrawn Chapter 12 bankruptcy</td></tr><tr><td>P</td><td>BK13W/D</td><td>Withdrawn Chapter 13 bankruptcy</td></tr><tr><td>R</td><td>BKREAFF</td><td>Reaffirmation of debt</td></tr><tr><td>V</td><td>BK7RESC</td><td>Reaffirmation of debt rescinded Chapter 7 bankruptcy</td></tr><tr><td>W</td><td>BK11RESC</td><td>Reaffirmation of debt rescinded Chapter 11 bankruptcy</td></tr></tbody></table>

<table><thead><tr><th>Code</th><th>Account condition</th><th>Explanation</th></tr></thead><tbody><tr><td>X</td><td>BK12RESC</td><td>Reaffirmation of debt rescinded Chapter 12 bankruptcy</td></tr><tr><td>Y</td><td>BK13RESC</td><td>Reaffirmation of debt rescinded Chapter 13 bankruptcy</td></tr><tr><td>A1</td><td>OPEN</td><td>Open account</td></tr><tr><td>A2</td><td>PAID</td><td>Paid account/Zero balance</td></tr><tr><td>A3*</td><td>CLOSED</td><td>Closed account</td></tr><tr><td>A4</td><td>INACTIVE</td><td>Inactive account</td></tr><tr><td>03</td><td>CRCDLOST</td><td>Credit card lost or stolen</td></tr><tr><td>05</td><td>TRANSFER</td><td>Account transferred to another office</td></tr><tr><td>10</td><td>REFINANC</td><td>Account renewed or refinanced</td></tr><tr><td>21*</td><td>DECEASED</td><td>Consumer reported as deceased</td></tr><tr><td>66*</td><td>PDBYDLER</td><td>Credit grantor paid by the company that originally sold the merchandise</td></tr><tr><td>67*</td><td>BKLIQREO</td><td>Debt included in or discharged through Chapter 7, 11 or 12 bankruptcy</td></tr><tr><td>68</td><td>SETTLED</td><td>Account legally paid in full for less than the full balance</td></tr><tr><td>69*</td><td>BKADJPLN</td><td>Debt included in or discharged through Chapter 13 bankruptcy</td></tr><tr><td>85</td><td>SCNL LOC</td><td>Consumer now located/Was credit grantor could not locate consumer</td></tr><tr><td>87*</td><td>FOREPROC</td><td>Foreclosure proceeding started</td></tr><tr><td>88*</td><td>GOVCLAIM</td><td>Claim filed with government for insured portion of balance on loan</td></tr></tbody></table>

*An asterisk indicates there may be a need for further review.

EFTA00091706

Account conditions (continued)

<table border="1"><tr><td>Code</td><td>Account condition</td><td>Explanation</td></tr><tr><td>89*</td><td>DEEDLIEU</td><td>Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage</td></tr><tr><td>91*</td><td>TRMDFALT</td><td>Early termination by default of original terms of lease or sales contract</td></tr><tr><td>92*</td><td>INSCLAIM</td><td>Claim filed for insured portion of the balance</td></tr><tr><td>93*</td><td>COLLACCT</td><td>Account seriously past due/Account assigned to attorney, collection agency or credit grantor&#x27;s internal collections department</td></tr></table>

<table border="1"><tr><td>Code</td><td>Account condition</td><td>Explanation</td></tr><tr><td>94*</td><td>FORECLOS</td><td>Credit grantor reclaimed collateral to settle defaulted mortgage</td></tr><tr><td>95*</td><td>VOLUSURR</td><td>Voluntary surrender</td></tr><tr><td>96*</td><td>REPOSSES</td><td>Merchandise was taken back by credit grantor/There may be a balance due</td></tr><tr><td>97*</td><td>CHARGOFF</td><td>Unpaid balance reported as a loss</td></tr><tr><td>98*</td><td>SCNL</td><td>Credit grantor cannot locate consumer</td></tr></table>

*An asterisk indicates there may be a need for further review.



Display


<table border="1"><tr><td colspan="3">DisplayThis is a sample of how trades display:</td></tr><tr><td>Account conditionand payment status</td><td>OPEN</td><td>CUR WAS 30</td></tr><tr><td>Account condition only</td><td></td><td>COLL ACCT</td></tr><tr><td>Two account conditions</td><td>PAID</td><td>COLL ACCT</td></tr><tr><td colspan="3">Delinquency counters30/60/90+/DEROG</td></tr><tr><td colspan="3">30=Number of times 30 days delinquent</td></tr><tr><td colspan="3">60=Number of times 60 days delinquent</td></tr><tr><td colspan="3">90=Number of times 90+ days delinquent</td></tr><tr><td colspan="3">DEROG=Number of times derogatory(greater than 180 days delinquent)</td></tr><tr><td colspan="3">Terms frequencyD=DeferredP=Single-payment loanW=WeeklyB=BiweeklyE=SemimonthlyL=BimonthlyQ=QuarterlyT=TriannuallyS=SemiannuallyY=Annually</td></tr></table>

<table border="1"><tr><td colspan="2">Payment amount types</td></tr><tr><td>E</td><td>= Estimated</td></tr><tr><td>S</td><td>= Scheduled</td></tr><tr><td>A</td><td>= Actual</td></tr><tr><td colspan="2">25-month payment history</td></tr><tr><td>C</td><td>= Current</td></tr><tr><td>1</td><td>= 30 days past due date</td></tr><tr><td>2</td><td>= 60 days past due date</td></tr><tr><td>3</td><td>= 90 days past due date</td></tr><tr><td>4</td><td>= 120 days past due date</td></tr><tr><td>5</td><td>= 150 days past due date</td></tr><tr><td>6</td><td>= 180 days or more past due date</td></tr><tr><td>7</td><td>= 69, D, H, Y</td></tr><tr><td>8</td><td>= 42, 87, 89, 94, 95, 96</td></tr><tr><td>9</td><td>= 66, 67, 86, 88, 91, 92, 93, 97, A, B, C, E, F, G, V, W, X</td></tr><tr><td>N</td><td>= Current account/Zero balance — no update received for this trade</td></tr><tr><td>0</td><td>= Current with zero balance reported on tape</td></tr><tr><td>-</td><td>= No history reported that month</td></tr><tr><td>B</td><td>= Account condition change/Payment code is not applicable</td></tr><tr><td>G</td><td>= Collection</td></tr><tr><td>H</td><td>= Foreclosure</td></tr><tr><td>J</td><td>= Voluntary surrender</td></tr><tr><td>K</td><td>= Repossession</td></tr><tr><td>L</td><td>= Charge-off</td></tr></table>

2

EFTA00091707

Payment status

<table><thead><tr><th>Code</th><th>Payment status</th><th>Explanation</th><th>Code</th><th>Payment status</th><th>Explanation</th></tr></thead><tbody><tr><td>00</td><td>NO STATUS</td><td>No status</td><td>37*</td><td>CUR WAS 60</td><td>Current account/Was 60 days past due date</td></tr><tr><td>07*</td><td>CUR WAS 60-2</td><td>Current account/Was 60 days past due date two times</td><td>38*</td><td>CUR WAS 90</td><td>Current account/Was 90 days past due date</td></tr><tr><td>08*</td><td>CUR WAS 60-3</td><td>Current account/Was 60 days past due date three times</td><td>39*</td><td>CUR WAS 120</td><td>Current account/Was 120 days past due date</td></tr><tr><td>09*</td><td>CUR WAS 60-4+</td><td>Current account/Was 60 days past due date four or more times</td><td>40*</td><td>CUR WAS 150</td><td>Current account/Was 150 days past due date</td></tr><tr><td>11</td><td>CURR ACCT</td><td>Account in good standing</td><td>41*</td><td>CUR WAS 180</td><td>Current account/Was 180 days past due date</td></tr><tr><td>14*</td><td>CUR WAS 90-2</td><td>Current account/Was 90 days past due date two times</td><td>42*</td><td>REDEEMD REPO</td><td>Account now redeemed/was a repossession</td></tr><tr><td>15*</td><td>CUR WAS 90-3+</td><td>Current account/Was 90 days past due date three or more times</td><td>43*</td><td>CUR WAS COLL</td><td>Current account/Was a collection account, an insurance claim or a government claim or was terminated for default</td></tr><tr><td>16*</td><td>CUR WAS 120-2+</td><td>Current account/Was 120 days past due date two or more times</td><td>45*</td><td>CUR WAS FORE</td><td>Current account/Foreclosure was started</td></tr><tr><td>17*</td><td>CUR WAS 150-2+</td><td>Current account/Was 150 days past due date two or more times</td><td>71*</td><td>30 DAY DEL</td><td>Account 30 days past due date</td></tr><tr><td>22*</td><td>60 2 TIMES</td><td>Account 60 days past due date two times</td><td>72*</td><td>30 2 TIMES</td><td>Account 30 days past due date two times</td></tr><tr><td>23*</td><td>60 3 TIMES</td><td>Account 60 days past due date three times</td><td>73*</td><td>30 3 TIMES</td><td>Account 30 days past due date three times</td></tr><tr><td>24*</td><td>60 4+ TIMES</td><td>Account 60 days past due date four or more times</td><td>74*</td><td>30 4 TIMES</td><td>Account 30 days past due date four times</td></tr><tr><td>25*</td><td>90 2 TIMES</td><td>Account 90 days past due date two times</td><td>75*</td><td>30 5 TIMES</td><td>Account 30 days past due date five times</td></tr><tr><td>26*</td><td>90 3+ TIMES</td><td>Account 90 days past due date three or more times</td><td>76*</td><td>30 6+ TIMES</td><td>Account 30 days past due date six or more times</td></tr><tr><td>27*</td><td>120 2+ TIMES</td><td>Account 120 days past due date two or more times</td><td>77*</td><td>30 WAS 60</td><td>Account 30 days past due date/was 60 days past due date</td></tr><tr><td>28*</td><td>150 2+ TIMES</td><td>Account 150 days past due date two or more times</td><td>78*</td><td>DELINQ 60</td><td>Account 60 days past due date</td></tr><tr><td>29*</td><td>90 WAS 120+</td><td>Account 90 days past due date/was 120 days or more past due date</td><td>79*</td><td>DELINQ 90</td><td>Account 30 or 60 days past due date/was 90 days past due date</td></tr><tr><td>31*</td><td>CUR WAS 30</td><td>Current account/Was 30 days past due date</td><td>80*</td><td>DELINQ 90</td><td>Account 90 days past due date</td></tr><tr><td>32*</td><td>CUR WAS 30-2</td><td>Current account/Was 30 days past due date two times</td><td>81*</td><td>DELINQ 120+</td><td>Account 30 or 60 days past due date/was 120 days or more past due date</td></tr><tr><td>33*</td><td>CUR WAS 30-3</td><td>Current account/Was 30 days past due date three times</td><td>82*</td><td>DELINQ 120</td><td>Account 120 days past due date</td></tr><tr><td>34*</td><td>CUR WAS 30-4</td><td>Current account/Was 30 days past due date four times</td><td>83*</td><td>DELINQ 150</td><td>Account 150 days past due date</td></tr><tr><td>35*</td><td>CUR WAS 30-5</td><td>Current account/Was 30 days past due date five times</td><td>84*</td><td>DELINQ 180</td><td>Account 180 days past due date</td></tr><tr><td>36*</td><td>CUR WAS 30-6+</td><td>Current account/Was 30 days past due date six or more times</td><td>86*</td><td>COFF NOW PAY</td><td>Now paying/Was a charge-off</td></tr></tbody></table>

*An asterisk indicates there may be a need for further review.

3

EFTA00091708

Purpose type of account

<table border="1"><tr><td>Type code</td><td>Short name</td><td>Explanation</td></tr><tr><td>00</td><td>AUT</td><td>Auto loan</td></tr><tr><td>01</td><td>UNS</td><td>Unsecured loan</td></tr><tr><td>02</td><td>SEC</td><td>Secured loan</td></tr><tr><td>03</td><td>P/S</td><td>Partially secured loan</td></tr><tr><td>04</td><td>H/I</td><td>Home-improvement loan</td></tr><tr><td>05</td><td>FHA</td><td>FHA home-improvement loan</td></tr><tr><td>06</td><td>ISC</td><td>Installment sales contract</td></tr><tr><td>07</td><td>CHG</td><td>Revolving charge account</td></tr><tr><td>08</td><td>R/E</td><td>Real estate, unknown type, terms in years</td></tr><tr><td>09</td><td>SCO</td><td>Loan secured by cosigner</td></tr><tr><td>0A</td><td>TSL</td><td>Time-share loan</td></tr><tr><td>0C</td><td>FCO</td><td>Factoring company</td></tr><tr><td>0E</td><td>NCP</td><td>Subscriber numeric inquiry</td></tr><tr><td>0F</td><td>CSL</td><td>Construction loan — new</td></tr><tr><td>0G</td><td>FSC</td><td>Flexible spending credit card</td></tr><tr><td>10</td><td>BUS</td><td>Commercial transaction with personal liability, guarantee or written instruction</td></tr><tr><td>11</td><td>REC</td><td>Recreational merchandise loan</td></tr><tr><td>12</td><td>EDU</td><td>Educational loan</td></tr><tr><td>13</td><td>LEA</td><td>Lease</td></tr><tr><td>14</td><td>COS</td><td>Cosigner (not borrower)</td></tr><tr><td>15</td><td>C/C</td><td>Check credit or line of credit</td></tr><tr><td>16</td><td>F/C</td><td>FHA cosigner (not borrower)</td></tr><tr><td>17</td><td>M/H</td><td>Manufactured home</td></tr><tr><td>18</td><td>CRC</td><td>Credit card</td></tr><tr><td>19</td><td>R/F</td><td>FHA mortgage (terms in years)</td></tr><tr><td>1A</td><td>LPI</td><td>Lender-placed insurance</td></tr><tr><td>1B</td><td>LBP</td><td>Legitimate business purpose</td></tr><tr><td>1C</td><td>PHG</td><td>Purchase of household goods</td></tr><tr><td>20</td><td>NTE</td><td>Note loan</td></tr><tr><td>21</td><td>NCS</td><td>Note loan with cosigner</td></tr><tr><td>22</td><td>HHG</td><td>Secured by household goods</td></tr><tr><td>23</td><td>H+O</td><td>Secured by household goods/other collateral</td></tr></table>

<table><thead><tr><th>Type code</th><th>Short name</th><th>Explanation</th></tr></thead><tbody><tr><td>25</td><td>R/V</td><td>VA real-estate mortgage (terms in years)</td></tr><tr><td>26</td><td>R/C</td><td>Conventional real-estate mortgage, including purchase money and first mortgage (terms in years)</td></tr><tr><td>27</td><td>R/O</td><td>Real-estate mortgage (terms in months), with or without collateral (usually second mortgage)</td></tr><tr><td>29</td><td>REN</td><td>Rental agreement</td></tr><tr><td>2A</td><td>SCC</td><td>Secured credit card (revolving terms)</td></tr><tr><td>2C</td><td>FMH</td><td>Real-estate mortgage, Farmers Home Administration (FMHA) (terms in years)</td></tr><tr><td>30</td><td>SUM</td><td>Summary of accounts — same status</td></tr><tr><td>31</td><td>UNK</td><td>Unknown — extension of credit, review or collection</td></tr><tr><td>33</td><td>EXM</td><td>Manual mortgage (4999)</td></tr><tr><td>37</td><td>CCP</td><td>Combined credit plan, revolving account</td></tr><tr><td>3A</td><td>AUL</td><td>Auto lease</td></tr><tr><td>3C</td><td>LIC</td><td>Government/State licensing</td></tr><tr><td>43</td><td>D/C</td><td>Debit card</td></tr><tr><td>47</td><td>CLS</td><td>Credit line secured, revolving</td></tr><tr><td>48</td><td>COL</td><td>Collection deptartment/attorney/agency</td></tr><tr><td>4D</td><td>CEL</td><td>Cellular phone</td></tr><tr><td>4F</td><td>TXC</td><td>Tax collection (CA SB168)</td></tr><tr><td>50</td><td>F/S</td><td>Family support</td></tr><tr><td>5A</td><td>RES</td><td>Real estate — junior liens and nonpurchase money first (terms in years)</td></tr><tr><td>5B</td><td>R/S</td><td>Second mortgage — terms in months</td></tr><tr><td>5C</td><td>CSA</td><td>Checking or savings — possible additional offers</td></tr><tr><td>65</td><td>UGL</td><td>Government-guaranteed unsecured loan</td></tr><tr><td>66</td><td>SGL</td><td>Government-guaranteed secured loan</td></tr><tr><td>67</td><td>UDL</td><td>Government-direct unsecured loan</td></tr><tr><td>68</td><td>SDL</td><td>Government-direct secured loan</td></tr></tbody></table>

<table><thead><tr><th>Type code</th><th>Short name</th><th>Explanation</th></tr></thead><tbody><tr><td>69</td><td>G/G</td><td>Government grant</td></tr><tr><td>6A</td><td>CIL</td><td>Commercial installment loan</td></tr><tr><td>6B</td><td>C/M</td><td>Commercial mortgage — terms in years</td></tr><tr><td>6C</td><td>CGA</td><td>Credit granting — possible additional offers</td></tr><tr><td>6D</td><td>HEI</td><td>Home equity</td></tr><tr><td>70</td><td>GOP</td><td>Government overpayment</td></tr><tr><td>71</td><td>G/F</td><td>Government fine</td></tr><tr><td>72</td><td>GFS</td><td>Government fee for service</td></tr><tr><td>73</td><td>GEA</td><td>Government employee advance</td></tr><tr><td>74</td><td>GMD</td><td>Government miscellaneous debt</td></tr><tr><td>75</td><td>G/B</td><td>Government benefit</td></tr><tr><td>77</td><td>RCK</td><td>Returned check</td></tr><tr><td>78</td><td>I/L</td><td>Installment loan</td></tr><tr><td>7A</td><td>CLC</td><td>Commercial line of credit (revolving terms)</td></tr><tr><td>7B</td><td>AGR</td><td>Agriculture</td></tr><tr><td>7C</td><td>SAA</td><td>Service activation — possible additional offers</td></tr><tr><td>83</td><td>PPI</td><td>Prescreen/Extract post-prescreen inquiry</td></tr><tr><td>85</td><td>BMP</td><td>Bimonthly mortgage payment (terms in years)</td></tr><tr><td>86</td><td>MRI</td><td>Automated mortgage report</td></tr><tr><td>87</td><td>SMP</td><td>Semimonthly mortgage payment (terms in years)</td></tr><tr><td>89</td><td>H/E</td><td>Home-equity line of credit (revolving terms)</td></tr><tr><td>8A</td><td>BCC</td><td>Business credit card (revolving terms)</td></tr><tr><td>8B</td><td>DEP</td><td>Deposit-related</td></tr><tr><td>90</td><td>MED</td><td>Medical debt</td></tr><tr><td>91</td><td>CON</td><td>Debt consolidation</td></tr><tr><td>92</td><td>UTI</td><td>Utility company</td></tr><tr><td>93</td><td>C/S</td><td>Child support</td></tr><tr><td>94</td><td>S/S</td><td>Spouse support</td></tr><tr><td>95</td><td>ATY</td><td>Attorney fees</td></tr><tr><td>96</td><td>CKG</td><td>Checking account</td></tr><tr><td>98</td><td>C/G</td><td>Credit granting</td></tr><tr><td>9A</td><td>SHI</td><td>Secured home improvement</td></tr><tr><td>9B</td><td>BPG</td><td>Business line personally guaranteed</td></tr></tbody></table>

4

EFTA00091709

## ECOA codes with definitions

<table border="1"><tr><td></td><td colspan="2">Association terminated as of date reported</td></tr><tr><td></td><td>X</td><td>Deceased: This individual has been reported as deceased. There may or may not be other people associated with this account.</td></tr><tr><td>0</td><td>A</td><td>Undesignated: Reported by Experian only.</td></tr><tr><td>1</td><td>H</td><td>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.</td></tr><tr><td>2</td><td>B</td><td>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.</td></tr><tr><td>3</td><td>C</td><td>Authorized user: This individual is an authorized user of this account; another individual has contractual responsibility.</td></tr><tr><td>4</td><td>D</td><td>Joint account: This individual participates in this account. The association cannot be distinguished between joint account—contractual responsibility or authorized user.</td></tr><tr><td>5</td><td>E</td><td>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.</td></tr><tr><td>6</td><td>F</td><td>On behalf of: This individual has signed an application for the purpose of securing credit for another individual, other than spouse.</td></tr><tr><td>7</td><td>G</td><td>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.</td></tr><tr><td>W</td><td>I</td><td>Business/Commercial: This association code is used to identify that the company reported in the name field is associated with the account.</td></tr></table>

Public record glossary

<table><thead><tr><th>Account conditions</th><th>Explanation</th></tr></thead><tbody><tr><td>BK 7-PETIT</td><td>Petition Chapter 7 bankruptcy (liquidation)</td></tr><tr><td>BK 7-DISCHG</td><td>Discharged Chapter 7 bankruptcy (liquidation)</td></tr><tr><td>BK 7-DISMIS</td><td>Dismissed Chapter 7 bankruptcy (liquidation)</td></tr><tr><td>BK 11-PETIT</td><td>Petition Chapter 11 bankruptcy (reorganization)</td></tr><tr><td>BK 11-DISCHG</td><td>Discharged Chapter 11 bankruptcy (reorganization)</td></tr><tr><td>BK 11-DISMIS</td><td>Dismissed Chapter 11 bankruptcy (reorganization)</td></tr><tr><td>BK 12-PETIT</td><td>Petition Chapter 12 bankruptcy (adjustment of debt — family farmer)</td></tr><tr><td>BK 12-DISCHG</td><td>Discharged after completion Chapter 12 bankruptcy (adjustment of debt — family farmer)</td></tr><tr><td>BK 12-DISMIS</td><td>Dismissed Chapter 12 bankruptcy (adjustment of debt — family farmer)</td></tr><tr><td>BK 13-PETIT</td><td>Petition Chapter 13 bankruptcy (adjustment of debt)</td></tr><tr><td>BK 13-DISCHG</td><td>Discharged/Completed Chapter 13 bankruptcy (adjustment of debt)</td></tr><tr><td>BK 13-DISMIS</td><td>Dismissed Chapter 13 bankruptcy (adjustment of debt)</td></tr><tr><td>CH SUP JUDG</td><td>Child support delinquency judgment</td></tr><tr><td>CH SUP SATIS</td><td>Child support delinquency judgment satisfied</td></tr><tr><td>CIV CL JUDG</td><td>Civil claim judgment</td></tr><tr><td>CIV CL SATIS</td><td>Civil claim judgment satisfied</td></tr><tr><td>CIV CL VACAT</td><td>Civil claim judgment vacated either before or after it has been satisfied</td></tr><tr><td>FED TAX LIEN</td><td>Federal tax lien</td></tr><tr><td>FED TAX REL</td><td>Federal tax lien released</td></tr><tr><td>SM CL JUDGMT</td><td>Small-claims judgment</td></tr><tr><td>SM CL SATIS</td><td>Small-claims judgment satisfied</td></tr><tr><td>SM CL VACAT</td><td>Small-claims judgment vacated either before or after it has been satisfied</td></tr><tr><td>STATE TX LN</td><td>State tax lien</td></tr><tr><td>STATE TX REL</td><td>State tax lien released</td></tr><tr><td>SUIT DISMISS</td><td>Suit dismissed or discontinued</td></tr><tr><td>SUIT FILED</td><td>Suit filed</td></tr></tbody></table>

5

EFTA00091710

## Kind of business codes

<table><thead><tr><th>Code</th><th>Explanation</th></tr></thead><tbody><tr><td>AB</td><td>Auto rental</td></tr><tr><td>AC</td><td>Auto leasing</td></tr><tr><td>AF</td><td>Farm implement dealers</td></tr><tr><td>AL</td><td>Truck dealers</td></tr><tr><td>AN</td><td>Automobile dealers, new</td></tr><tr><td>AP</td><td>Automotive parts</td></tr><tr><td>AR</td><td>Auto repair, body shops</td></tr><tr><td>AS</td><td>Service stations</td></tr><tr><td>AT</td><td>TBA stores, tire dealers</td></tr><tr><td>AU</td><td>Automobile dealers, used</td></tr><tr><td>AZ</td><td>Automotive — nonspecific</td></tr><tr><td>BB</td><td>All banks — nonspecific</td></tr><tr><td>BC</td><td>Bank credit cards</td></tr><tr><td>BI</td><td>Bank — installment loans</td></tr><tr><td>BM</td><td>Bank — mortgage department</td></tr><tr><td>BN</td><td>Industrial bank</td></tr><tr><td>BO</td><td>Co-op bank</td></tr><tr><td>BS</td><td>Savings bank</td></tr><tr><td>CG</td><td>General clothing store</td></tr><tr><td>CS</td><td>Specialty clothing store</td></tr><tr><td>CZ</td><td>Clothing store — nonspecific</td></tr><tr><td>DC</td><td>Complete department stores</td></tr><tr><td>DV</td><td>Variety stores</td></tr><tr><td>DZ</td><td>Department and variety stores — nonspecific</td></tr><tr><td>EB</td><td>Business education</td></tr><tr><td>EC</td><td>Colleges</td></tr><tr><td>EL</td><td>Student loans</td></tr><tr><td>ET</td><td>Technical education</td></tr><tr><td>EU</td><td>Universities</td></tr><tr><td>EV</td><td>Vocational and trade schools</td></tr><tr><td>EZ</td><td>Education — nonspecific</td></tr><tr><td>FA</td><td>Auto financing companies</td></tr><tr><td>FB</td><td>Mortgage brokers</td></tr><tr><td>FC</td><td>Credit unions</td></tr><tr><td>FD</td><td>Bail bonds</td></tr></tbody></table>

<table><thead><tr><th>Code</th><th>Explanation</th></tr></thead><tbody><tr><td>FF</td><td>Sales financing companies</td></tr><tr><td>FI</td><td>Investment firms</td></tr><tr><td>FL</td><td>Savings and loans — mortgage</td></tr><tr><td>FM</td><td>Mortgage companies</td></tr><tr><td>FP</td><td>Personal loan companies</td></tr><tr><td>FR</td><td>Mortgage reporters</td></tr><tr><td>FS</td><td>Savings and loan companies</td></tr><tr><td>FT</td><td>Investment securities</td></tr><tr><td>FU</td><td>Bulk purchase finance</td></tr><tr><td>FW</td><td>Bulk purchase finance — general</td></tr><tr><td>FY</td><td>Miscellaneous loan broker</td></tr><tr><td>FZ</td><td>Finance companies — nonspecific</td></tr><tr><td>GD</td><td>Dairies</td></tr><tr><td>GN</td><td>Neighborhood grocers</td></tr><tr><td>GS</td><td>Supermarkets</td></tr><tr><td>GZ</td><td>Groceries — nonspecific</td></tr><tr><td>HA</td><td>Appliance sales and service</td></tr><tr><td>HC</td><td>Carpets and floor coverings</td></tr><tr><td>HD</td><td>Interior decorators/designers</td></tr><tr><td>HF</td><td>Home furnishing stores</td></tr><tr><td>HM</td><td>Music and record stores</td></tr><tr><td>HR</td><td>Furniture rentals</td></tr><tr><td>HT</td><td>TV and radio sales and service</td></tr><tr><td>HZ</td><td>Home furnishings — nonspecific</td></tr><tr><td>IG</td><td>General insurance</td></tr><tr><td>IL</td><td>Life insurance</td></tr><tr><td>IZ</td><td>Insurance — nonspecific</td></tr><tr><td>JA</td><td>Jewelers</td></tr><tr><td>JP</td><td>Computer sales and service</td></tr><tr><td>JV</td><td>Videotape rental and sales</td></tr><tr><td>JZ</td><td>Jewelry/Cameras and computers — nonspecific</td></tr><tr><td>KG</td><td>General contractors</td></tr><tr><td>KI</td><td>Home-improvement contractor</td></tr><tr><td>KS</td><td>Subcontractors</td></tr><tr><td>KZ</td><td>Contractors — nonspecific</td></tr></tbody></table>

<table><thead><tr><th>Code</th><th>Explanation</th></tr></thead><tbody><tr><td>LA</td><td>Air conditioning/heat/plumbing/electrical sales</td></tr><tr><td>LF</td><td>Fixture and cabinet suppliers</td></tr><tr><td>LP</td><td>Paint, glass, wallpaper store</td></tr><tr><td>LZ</td><td>Lumber/Building material/Hardware — nonspecific</td></tr><tr><td>MA</td><td>Animal hospitals</td></tr><tr><td>MB</td><td>Dentists</td></tr><tr><td>MC</td><td>Chiropractors</td></tr><tr><td>MD</td><td>Doctors</td></tr><tr><td>MF</td><td>Funeral homes</td></tr><tr><td>MG</td><td>Medical group</td></tr><tr><td>MH</td><td>Hospitals and clinics</td></tr><tr><td>MM</td><td>Cemeteries</td></tr><tr><td>MO</td><td>Osteopaths</td></tr><tr><td>MP</td><td>Pharmacies and drugstores</td></tr><tr><td>MS</td><td>Optometrists and optical outlets</td></tr><tr><td>MV</td><td>Veterinarians</td></tr><tr><td>MZ</td><td>Medical and related health — nonspecific</td></tr><tr><td>NA</td><td>Airlines</td></tr><tr><td>ND</td><td>Credit card — department store</td></tr><tr><td>NF</td><td>Credit card — finance company</td></tr><tr><td>NS</td><td>Credit card — savings and loan</td></tr><tr><td>NU</td><td>Credit card — credit union</td></tr><tr><td>NZ</td><td>National credit card/airlines — nonspecific</td></tr><tr><td>OC</td><td>Oil company credit cards</td></tr><tr><td>OZ</td><td>Oil companies — nonspecific</td></tr><tr><td>PA</td><td>Accountants and related service</td></tr><tr><td>PB</td><td>Barber and beauty shops</td></tr><tr><td>PC</td><td>Equipment leasing</td></tr><tr><td>PD</td><td>Dry cleaning/Laundry/reliated</td></tr><tr><td>PE</td><td>Engineering/all kinds</td></tr><tr><td>PF</td><td>Florists</td></tr><tr><td>PG</td><td>Photographers</td></tr><tr><td>PH</td><td>Health and fitness clubs</td></tr><tr><td>PI</td><td>Detective service</td></tr></tbody></table>

6

EFTA00091711

<table><thead><tr><th>Code</th><th>Explanation</th></tr></thead><tbody><tr><td>PL</td><td>Legal and related services</td></tr><tr><td>PM</td><td>Check-cashing services</td></tr><tr><td>PN</td><td>Restaurants/Concessions</td></tr><tr><td>PP</td><td>Pest control</td></tr><tr><td>PR</td><td>Country clubs</td></tr><tr><td>PS</td><td>Employment screening</td></tr><tr><td>PZ</td><td>Personal service (nonmedical) — nonspecific</td></tr><tr><td>QZ</td><td>Mail-order houses — nonspecific</td></tr><tr><td>RA</td><td>Apartments</td></tr><tr><td>RC</td><td>Office leasing</td></tr><tr><td>RD</td><td>Mobile home dealers</td></tr><tr><td>RE</td><td>Real-estate sales and rentals</td></tr><tr><td>RH</td><td>Hotels</td></tr><tr><td>RM</td><td>Motels</td></tr><tr><td>RP</td><td>Mobile home park</td></tr><tr><td>RR</td><td>Property and property management company</td></tr><tr><td>RZ</td><td>Real-estate/public accommodations — nonspecific</td></tr><tr><td>SA</td><td>Aircraft sales and service</td></tr><tr><td>SB</td><td>Boats and marinas sales and service</td></tr><tr><td>SM</td><td>Motorcycles and bicycles sales and service</td></tr><tr><td>SZ</td><td>Sporting goods — nonspecific</td></tr><tr><td>TC</td><td>Farm chemicals and fertilizer store</td></tr><tr><td>TF</td><td>Feed and feed stores</td></tr><tr><td>TN</td><td>Nursery and landscaping</td></tr><tr><td>TZ</td><td>Farm and garden supplies/services — nonspecific</td></tr><tr><td>UA</td><td>Water utilities/Bottled water</td></tr><tr><td>UC</td><td>CableTV providers</td></tr><tr><td>UD</td><td>Garbage and rubbish disposal</td></tr><tr><td>UE</td><td>Electric light and power company</td></tr><tr><td>UF</td><td>Fuel oil distributors</td></tr><tr><td>UG</td><td>Gas company, natural and bottled</td></tr><tr><td>UH</td><td>Coal and wood suppliers</td></tr></tbody></table>

<table><thead><tr><th>Code</th><th>Explanation</th></tr></thead><tbody><tr><td>UL</td><td>Long-distance phone company</td></tr><tr><td>UO</td><td>Online/Internet services</td></tr><tr><td>UP</td><td>Cellular and paging services</td></tr><tr><td>UR</td><td>Waste recycling/handlers</td></tr><tr><td>US</td><td>Satellite TV/Direct broadcast providers</td></tr><tr><td>UT</td><td>Local telephone service provider</td></tr><tr><td>UV</td><td>Home security company</td></tr><tr><td>UW</td><td>Wireless telephone service provider</td></tr><tr><td>UZ</td><td>Utilities and fuel — nonspecific</td></tr><tr><td>VC</td><td>City and county</td></tr><tr><td>VF</td><td>Federal government</td></tr><tr><td>VK</td><td>Child support services</td></tr><tr><td>VL</td><td>Law enforcement</td></tr><tr><td>VS</td><td>State government</td></tr><tr><td>VX</td><td>Court codes</td></tr><tr><td>VZ</td><td>Government — nonspecific</td></tr><tr><td>WA</td><td>Automotive supplies</td></tr><tr><td>WB</td><td>Building supplies/Hardware</td></tr><tr><td>WC</td><td>Clothing and dry goods</td></tr><tr><td>WD</td><td>Drugs, chemicals and related goods</td></tr><tr><td>WG</td><td>Wholesale grocery and related products</td></tr><tr><td>WH</td><td>Home furnishings</td></tr><tr><td>WM</td><td>Machinery, equipment supplies</td></tr><tr><td>WP</td><td>Credit card processors</td></tr><tr><td>WZ</td><td>Wholesale — nonspecific</td></tr><tr><td>XD</td><td>Direct-mail list services</td></tr><tr><td>XL</td><td>List processing vendors</td></tr><tr><td>XM</td><td>Media</td></tr><tr><td>XZ</td><td>Advertising — nonspecific</td></tr><tr><td>YA</td><td>Collection department — ACB credit bureau</td></tr><tr><td>YB</td><td>Collection department — bank</td></tr><tr><td>YC</td><td>Other collection agencies</td></tr><tr><td>YD</td><td>Collection department — department store</td></tr><tr><td>YF</td><td>Collection department — loan company</td></tr></tbody></table>

<table><thead><tr><th>Code</th><th>Explanation</th></tr></thead><tbody><tr><td>YL</td><td>Collections attorney</td></tr><tr><td>YR</td><td>Repossession company</td></tr><tr><td>YZ</td><td>Collections — nonspecific</td></tr><tr><td>ZA</td><td>Auto reseller</td></tr><tr><td>ZB</td><td>Credit report brokers</td></tr><tr><td>ZC</td><td>Credit reporting agencies</td></tr><tr><td>ZD</td><td>Direct-to-consumer reseller</td></tr><tr><td>ZE</td><td>Employment reseller</td></tr><tr><td>ZF</td><td>Finance reseller</td></tr><tr><td>ZI</td><td>Insurance reseller</td></tr><tr><td>ZL</td><td>Leasing and rental reseller</td></tr><tr><td>ZM</td><td>Manufacturing</td></tr><tr><td>ZP</td><td>Personal service reseller</td></tr><tr><td>ZR</td><td>Retail not elsewhere classified</td></tr><tr><td>ZS</td><td>Services not elsewhere classified</td></tr><tr><td>ZT</td><td>Tenant screeners reseller</td></tr><tr><td>ZW</td><td>Wholesale not elsewhere classified</td></tr><tr><td>ZY</td><td>Collection reseller</td></tr><tr><td>ZZ</td><td>All others not elsewhere classified</td></tr></tbody></table>

7

EFTA00091712

## Special comment codes

<table><thead><tr><th>Code</th><th>Description</th></tr></thead><tbody><tr><td>B</td><td>Account payments being managed by financial counseling service</td></tr><tr><td>C</td><td>Paid by cosigner</td></tr><tr><td>E</td><td>Primary maker filed bankruptcy</td></tr><tr><td>F</td><td>Secondary maker filed bankruptcy</td></tr><tr><td>G</td><td>Account closed due to transfer or refinance</td></tr><tr><td>H</td><td>Assignor — loan has been assumed by another party</td></tr><tr><td>I</td><td>Election of remedy — reported by subscriber</td></tr><tr><td>M</td><td>Account closed at credit grantor&#39;s request</td></tr><tr><td>O</td><td>Transferred to another lender</td></tr><tr><td>S</td><td>Special handling — contact subscriber if more information is needed</td></tr><tr><td>V</td><td>Adjustment pending — reported by subscriber</td></tr><tr><td>AB</td><td>Debt being paid through insurance</td></tr><tr><td>AC</td><td>Paying under a partial or modified payment agreement</td></tr><tr><td>AF</td><td>Single payment loan</td></tr><tr><td>AG</td><td>Simple interest loan</td></tr><tr><td>AH</td><td>Purchased by another lender</td></tr><tr><td>AI</td><td>Recalled to military active duty</td></tr><tr><td>AJ</td><td>Payroll deduction</td></tr><tr><td>AL</td><td>Student loan permanently assigned to government</td></tr><tr><td>AM</td><td>Account payments assured by wage garnishment</td></tr><tr><td>AN</td><td>Account acquired by RTC/FDIC/NCUA</td></tr><tr><td>AO</td><td>Voluntarily surrendered — then redeemed</td></tr><tr><td>AP</td><td>Credit line suspended</td></tr><tr><td>AR</td><td>Contingent liability</td></tr><tr><td>AS</td><td>Account closed due to refinance</td></tr><tr><td>AT</td><td>Account closed due to transfer</td></tr></tbody></table>

<table><thead><tr><th>Code</th><th>Description</th></tr></thead><tbody><tr><td>AU</td><td>Account legally paid in full for less than the full balance</td></tr><tr><td>AV</td><td>First payment never received</td></tr><tr><td>AW</td><td>Affected by natural or declared disaster</td></tr><tr><td>AX</td><td>Account paid by collateral</td></tr><tr><td>AY</td><td>Now paying</td></tr><tr><td AZ</td><td>Redeemed repossession</td></tr><tr><td>BA</td><td>Transferred to recovery</td></tr><tr><td>BB</td><td>Full termination/status pending</td></tr><tr><td>BC</td><td>Full termination/obligation satisfied</td></tr><tr><td>BD</td><td>Full termination/balance owing</td></tr><tr><td>BE</td><td>Early termination/status pending</td></tr><tr><td>BF</td><td>Early termination/obligation satisfied</td></tr><tr><td>BG</td><td>Early termination/balance owing</td></tr><tr><td>BH</td><td>Early termination/insurance loss</td></tr><tr><td>BI</td><td>Involuntary repossession</td></tr><tr><td>BJ</td><td>Involuntary repossession/obligation satisfied</td></tr><tr><td>BK</td><td>Involuntary repossession/balance owing</td></tr><tr><td>BL</td><td>Credit card lost or stolen</td></tr><tr><td>BN</td><td>Paid by company who originally sold the merchandise</td></tr><tr><td>BO</td><td>Foreclosure proceeding started</td></tr><tr><td>BP</td><td>Paid through insurance</td></tr><tr><td>BS</td><td>Prepaid lease</td></tr><tr><td>BT</td><td>Principal deferred/interest payment only</td></tr><tr><td>CH</td><td>Guaranteed/insured</td></tr><tr><td>CI</td><td>Closed due to inactivity</td></tr><tr><td>DM</td><td>Acquired from another lender</td></tr><tr><td>MR</td><td>Substitute/replacement account</td></tr></tbody></table>

XE = Account closed at consumer's request and dispute investigation completed — consumer disagrees

## Compliance condition codes



XD = Account closed at consumer's request and in dispute under FCRA



XB = Account information disputed by consumer

XC = Completed investigation of Fair Credit Reporting Act (FCRA) dispute — 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



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06\09 · 1224/2556 · 4898C-CS



EFTA00091713