TransUnion Credit Report Codes

ECOA (Equal Credit Opportunity Act) Inquiry and Account Designators
A – Authorized user of shared account
C – Joint contractual liability
I – Individual account for sole use of customer
M – Account for which subject is liable, but co-signer has liability if the maker defaults
P – Participant in shared account which cannot be distinguished as C or A
S – Account for which subject is co-signer and becomes liable if maker defaults
T – Relationship with account terminated
U – Undesignated
X – Deceased

Type of Account

O – Open Account (30, 60 or 90 days)
R – Revolving or Option
I – Installment
M -Mortgage
C -Check credit (line of credit)

Date Indicators
A -Automated
C – Closed
D – Declined
F – Repossessed/Written Off/Collection
I – Indirect
M – Manually Frozen
N – No Record
P – Paid Out
R – Reported
S – Slow Answering
T -Temporarily Frozen
V – Verified
X – No Reply

MOP Current Manner of Payment
00 – Not rated, too new to rate, or approve but not used
01 – Pays as agreed
02 – 30–59 days past the due date
03 – 60–89 days past the due date
04 – 90–119 days past the due date
05 – 120 days or more past the due date
07 – Paying or paid under Wage Earner Plan or similar arrangement
08 – Repossession
8A – Voluntary repossession
8D – Legal repossession
8P – Paying or paid account with MOP 08
8R – Repossession; redeemed
09 – Charged off to bad debt
9B – Collection account
9P – Paying or paid account with MOP 09 or 9B
UC – Unclassified
UR – Unrated

KOB Kind of Business Classifications
A -Automotive
B – Banks and S&L
C – Clothing
D – Department, Variety and Other Retail
E – Employment
F – Finance, Personal
G – Groceries
H – Home Furnishings
I – Insurance
J – Jewelry, Cameras and Computers
K – Contractors
L – Lumber, Building Material, Hardware
M – Medical and Related Health
N – Credit Card and Travel/Entertainment
Companies
O – Oil Companies
P – Personal Services Other Than Medical
Q – Finance Companies, Other Than Personal Finance Companies
R – Real Estate and Public Accommodations
S – Sporting Goods
T – Farm and Garden Supplies
U – Utilities and Fuel
V – Government
W – Wholesale
X – Advertising
Y – Collection
Z – Miscellaneous

Information provided by TransUnion  June, 2011

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