Credit Bureau Account Type Codes
Following are credit bureau account type codes that can be assigned when configuring CU*BASE Loan Purpose Codes.
(Source: “Credit Reporting Resource Guide,” Consumer Data Industry Association, 2004)
Credit Bureau Account Type Codes - sorted by code
Click here to view the list sorted by description
|
Code |
Description |
|
00 |
Auto |
|
01 |
Unsecured |
|
02 |
Secured Used for Installment Contracts. |
|
03 |
Partially Secured |
|
04 |
Home Improvement |
|
05 |
Federal Housing Administration (FHA) Home Improvement Loan |
|
06 |
Installment Sales Contract Used by the Retail Industry |
|
07 |
Charge Account Used by the Retail Industry. |
|
0A |
Time Share Loan A purchased time share. |
|
0C |
Debt Purchaser (a.k.a. Factoring Company) |
|
0F |
Construction Loan |
|
0G |
Flexible Spending Credit Card Credit card that combines the attributes of both revolving and open accounts. |
|
10 |
Business Loan Individual is personally liable. |
|
11 |
Recreational Merchandise |
|
12 |
Educational Loan |
|
13 |
Lease Non-auto |
|
15 |
Line of Credit Includes Check Credit |
|
17 |
Manufactured Housing |
|
18 |
Credit Card |
|
19 |
Federal Housing Administration (FHA) Real Estate Mortgage Terms Duration in years. |
|
1C |
Household Goods |
|
20 |
Note Loan |
|
22 |
Secured by Household Goods |
|
23 |
Secured by Household Goods and Other Collateral |
|
25 |
Veteran's Administration (VA) Real Estate Mortgage Loan Terms Duration in years. |
|
26 |
Conventional Real Estate Mortgage, including Purchase Money First Terms Duration in years. Purchase Money First means that the proceeds of the loan are used to buy the property. This is a mortgage account type. |
|
29 |
Rental Agreement |
|
2A |
Secured Credit Card |
|
2C |
Farmers Home Administration (FmHA) Real Estate Mortgage Loan Terms Duration in years. |
|
34 |
Debt Counseling Serving |
|
37 |
Combined Credit Plan Represents two credit plans being reported as one account. (Example: Visa and Mastercard on one bill.) |
|
3A |
Auto Lease |
|
43 |
Debit Card To be used when debit card is backed by a line of credit or overdraft protection. |
|
47 |
Credit Line Secured |
|
48 |
Collection Agency/Attorney |
|
4D |
Telecommunications/Cellular |
|
50 |
Family Support |
|
5A |
Real Estate - Junior Liens and Non-Purchase Money First Terms Duration in years. Junior Liens means that a person has a mortgage on property already and needs more money without paying off existing loan; a refinanced loan with a change in terms - second mortgage, third or more. Non-Purchase Money First means that the proceeds of the loan are not used directly for the property. This is a real estate account type. |
|
5B |
Second Mortgage Terms Duration in years. |
|
65 |
Government Unsecured Guaranteed Loan |
|
66 |
Government Secured Guaranteed Loan |
|
67 |
Government Unsecured Direct Loan |
|
68 |
Government Secured Direct Loan |
|
69 |
Government Grant |
|
6A |
Commercial Installment Loan Individual is personally liable; company is guarantor. |
|
6B |
Commercial Mortgage Loan Terms Duration in years. Individual is personally liable; company is guarantor. |
|
6D |
Home Equity |
|
70 |
Government Overpayment |
|
71 |
Government Fine |
|
72 |
Government Fee for Services |
|
73 |
Government Employee Advance |
|
74 |
Government Miscellaneous Debt |
|
75 |
Government Benefit |
|
77 |
Returned Check Reported by Collection Agencies, Debt Purchasers and Check Guarantee companies when a check was returned to the payee for non-payment usually due to insufficient funds. |
|
7A |
Commercial Line of Credit Individual is personally liable; company is guarantor. |
|
7B |
Agricultural |
|
89 |
Home Equity Line of Credit |
|
8A |
Business Credit Card Individual has primary responsibility. |
|
8B |
Deposit Related Overdrawn account. |
|
90 |
Medical Debt |
|
91 |
Debt Consolidation Represents multiple loans which have been consolidated into one loan. |
|
92 |
Utility Company |
|
93 |
Child Support |
|
95 |
Attorney Fees |
|
9A |
Secured Home Improvement |
|
9B |
Business Line Personally Guaranteed |
Credit Bureau Account Type Codes - sorted by description
|
Code |
Description |
|
7B |
Agricultural |
|
95 |
Attorney Fees |
|
00 |
Auto |
|
3A |
Auto Lease |
|
8A |
Business Credit Card Individual has primary responsibility. |
|
9B |
Business Line Personally Guaranteed |
|
10 |
Business Loan Individual is personally liable. |
|
07 |
Charge Account Used by the Retail Industry. |
|
93 |
Child Support |
|
48 |
Collection Agency/Attorney |
|
37 |
Combined Credit Plan Represents two credit plans being reported as one account. (Example: Visa and Mastercard on one bill.) |
|
6A |
Commercial Installment Loan Individual is personally liable; company is guarantor. |
|
7A |
Commercial Line of Credit Individual is personally liable; company is guarantor. |
|
6B |
Commercial Mortgage Loan Terms Duration in years. Individual is personally liable; company is guarantor. |
|
0F |
Construction Loan |
|
26 |
Conventional Real Estate Mortgage, including Purchase Money First Terms Duration in years. Purchase Money First means that the proceeds of the loan are used to buy the property. This is a mortgage account type. |
|
18 |
Credit Card |
|
47 |
Credit Line Secured |
|
43 |
Debit Card To be used when debit card is backed by a line of credit or overdraft protection. |
|
91 |
Debt Consolidation Represents multiple loans which have been consolidated into one loan. |
|
34 |
Debt Counseling Serving |
|
0C |
Debt Purchaser (a.k.a. Factoring Company) |
|
8B |
Deposit Related Overdrawn account. |
|
12 |
Educational Loan |
|
50 |
Family Support |
|
2C |
Farmers Home Administration (FmHA) Real Estate Mortgage Loan Terms Duration in years. |
|
05 |
Federal Housing Administration (FHA) Home Improvement Loan |
|
19 |
Federal Housing Administration (FHA) Real Estate Mortgage Terms Duration in years. |
|
0G |
Flexible Spending Credit Card Credit card that combines the attributes of both revolving and open accounts. |
|
75 |
Government Benefit |
|
73 |
Government Employee Advance |
|
72 |
Government Fee for Services |
|
71 |
Government Fine |
|
69 |
Government Grant |
|
74 |
Government Miscellaneous Debt |
|
70 |
Government Overpayment |
|
68 |
Government Secured Direct Loan |
|
66 |
Government Secured Guaranteed Loan |
|
67 |
Government Unsecured Direct Loan |
|
65 |
Government Unsecured Guaranteed Loan |
|
6D |
Home Equity |
|
89 |
Home Equity Line of Credit |
|
04 |
Home Improvement |
|
1C |
Household Goods |
|
06 |
Installment Sales Contract Used by the Retail Industry |
|
13 |
Lease Non-auto |
|
15 |
Line of Credit Includes Check Credit |
|
17 |
Manufactured Housing |
|
90 |
Medical Debt |
|
20 |
Note Loan |
|
03 |
Partially Secured |
|
5A |
Real Estate - Junior Liens and Non-Purchase Money First Terms Duration in years. Junior Liens means that a person has a mortgage on property already and needs more money without paying off existing loan; a refinanced loan with a change in terms - second mortgage, third or more. Non-Purchase Money First means that the proceeds of the loan are not used directly for the property. This is a real estate account type. |
|
11 |
Recreational Merchandise |
|
29 |
Rental Agreement |
|
77 |
Returned Check Reported by Collection Agencies, Debt Purchasers and Check Guarantee companies when a check was returned to the payee for non-payment usually due to insufficient funds. |
|
5B |
Second Mortgage Terms Duration in years. |
|
22 |
Secured by Household Goods |
|
23 |
Secured by Household Goods and Other Collateral |
|
2A |
Secured Credit Card |
|
9A |
Secured Home Improvement |
|
02 |
Secured Used for Installment Contracts. |
|
4D |
Telecommunications/Cellular |
|
0A |
Time Share Loan A purchased time share. |
|
01 |
Unsecured |
|
92 |
Utility Company |
|
25 |
Veteran's Administration (VA) Real Estate Mortgage Loan Terms Duration in years. |