 |
|
Credit File Abbreviations |
| The following abbreviations may be used on your credit profile: |
|
| - = | Not reported that month |
| 0 = | Too new to rate |
| 1 or *= | Current |
| 2 = | 30 days late |
| 3 = | 60 days late |
| 4 = | 90 days late |
| 5 = | 120 days late |
| 6 = | 150 days late |
| 7 = | Wage earner plan or bankruptcy |
| 8 = | Repossession or foreclosure |
| 9 = | Collection or charge off |
| X = | No activity that month |
| U = | Unrated |
|
Account Status:Shows the current status of your account and may indicate
delinquencies that were reported in the past seven years
Balance Amount: Amount due to the creditor at the time account information was last
reported to the credit reporting agencies
Balance Date: The last date the file was updated with account information by the
credit reporting agency
Agency Name: One of the three main credit reporting agencies Equifax (EFX), Experian (XPN), or TransUnion (TU) that collect and store information about consumers credit histories.
Current Ratings: Shows total of all account types that are currently delinquent 30, 60, or 90 days.
Date on File: Date your credit file was opened at one of the three credit reporting agencies Equifax, Experian, or TransUnion.
Date on File: Date your credit file was opened at one of the three credit reporting agencies Equifax, Experian, or TransUnion
Date Open: Date that account was opened
Date Paid: Date that the collection account was satisfied
Date of Status: Date that the account status was last updated
Filing Date: Date that item was filed with the courts
High/Limit: The highest balance since the account was opened, or the limit on
the account
History Ratings: Shows the total of all account types that were delinquent 30, 60, or
90 days in the past seven years
Loan Type: Type of loan for which an inquiry was made
Inquiry Date: Date your credit profile was requested
Mthly Pymt.: Average monthly payment reported to the credit reporting agencies
may be estimated by the agency if not reported by the creditor (this may be indicated by an asterisk "*")
Original Creditor: Shows the original creditor that turned the account over to the
collection agency
Ownership:
- I (Individual) individual responsible for payment of account
- J (Joint) contractual responsibility with another individual
- A (Authorized User) individual is authorized user; another individual has contractual responsibility
- C (Co-signer) individual assumes responsibility should signer default
- T (Terminated) account has been terminated by consumer or credit grantor
- D (Deceased) individual reported as deceased
- B (On behalf of) individual has secured credit for another individual
- S (Signer) individual responsible for account guaranteed by a cosigner
- W (Business/Commercial) business or commercial loan
- M (Maker) individual has the primary responsibility of the account
- U (Undersigned) no contractual responsibility reported
- N (Non-applicant) individual is not the applicant; another individual has contractual responsibility
Past Due Amt.: Amount currently past due as of the balance date
Prior Delinq.: Date account was last reported delinquent as listed in the Account Status column
Tradeline Name: Account name
Trades Opened: New accounts opened
Type of Account: Payment terms associated with an account:
- Revolving An account where a balance can be carried over from
month to month
- Installment An account with a fixed payment for the term of the
loan
- Real Estate A fixed payment account involving ownership of
property (mortgage payments)
- Net 30 An account where the balance must be paid in full at the
end of 30 days
| |
|
|
|
| |
 |
 |
| |
* Insurance underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and state regulations. Coverage not available for residents of New York.
|
| |
|
| |
Privacy Policy
Policies
Web Site Terms of Use |
| |
|
|
Home
