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Equifax Code
A.
FIRM - The lender
B.
IDENT CODE - The lender's member number with Equifax, including a two-letter industry code. For example, AU designates used automobile dealer.
C.
CS - Current status. R1 is a revolving account paid as agreed, R2 is a past-due account (1 or 2 payments behind,) etc. R0 indicates the account is too new to rate. Other status codes indicate things such as repossession, lost/stolen card, etc. Installment loans with a fixed number of payments use I (instead of R.) Open 30, 60, or 90 day accounts use O (instead of R.) See table below.
D.
ECOA - Equal Credit Opportunity Act code: I for individual, J for joint. See table below.
E.
Account Number - Number assigned to the account by the lender, such as a credit card number. Some digits may be masked or truncated.
F.
RPTD, OPND Month and year this item was last reported and originally opened.
G.
LIMIT, P/DUE - Credit limit for revolving accounts (if reported) and the current amount past due.
H.
HICR, TERM - High credit - The highest the balance has been, and the term in months.
I.
BAL$ - Balance currently owed.
J.
DLA Date of Last Access (date reported)
K.
MR Months reviewed.
L.
(30-60-90+) Number of 30-, 60-, & 90-day delinquencies
M.
MAX/DEL Date and status-code of the worst delinquency. Example: 04/97 R3 indicates 3 payments behind in April of 1997. See table below.
N.
24 Month History - Status codes for up to 24 months: 1=on-time payment, 2=past-due up to 2 months, 3=past-due up to 3 months, etc. (The most recent month is at the left.)
Equifax Codes
Public Record Codes
Code
Description
Code
Description
AB JD
Abstract Judgment (foreclosure, etc.).
PD CL
Paid collection ($50 and up)
BKRPT
Bankruptcy
SECLN
Secured loan
FINCL
Financial counselors
SP MT
Separate maintenance
FN ST
Financial statement filed
ST JD
Satisfied judgment (foreclosure, etc.).
FORCL
Foreclosure
SUDI
Suit dismissed
GARN
Garnishment
SUIT
Lawsuit
LIEN
Tax Lien
UP CL
Unpaid collection ($50 and up)
MAR
Martial items (divorce, etc.)
WEP
Wage earner plan
N/RES
Non-responsibility
Equifax Trade Check Rating Codes
Installment
Account
(fixed number
of paymentsRevolving or
Option Account
(Open-ended)Open Account
(30, 60, or 90-day
account.)Meaning
I0
R0
O0
Too new to rate
I1
R1
O1
Pays account as agreed
I2
R2
O2
Not more than two payments past due
I3
R3
O3
Not more than three payments past due
I4
R4
O4
Not more than four payments past due
I5
R5
O5
More than 120 days or four payments past due
I7
R7
O7
Making regular payments under WEP.
I8
R8
O8
Repossession
I9
R9
O9
Bad debt; placed for collection
IA
RA
OA
Account is inactive
IB
RB
OB
Lost or stolen card
IC
RC
OC
Contact member for status
ID
RD
OD
Refinanced or renewed
IE
RE
OE
Consumer deceased
IF
RF
OF
In financial counseling
IG
RG
OG
Foreclosure process started
IH
RH
OH
In WEP of other party
IJ
RJ
OJ
Adjustment pending
IM
RM
OM
Included in Chapter 13
ECOA Codes
Description
A
Authorized User - This individual is an authorized user of this account; another individual has contractual responsibility
C
Joint Account Contractual Responsibility - This individual is contractually obligated to repay all debts arising on this account. There are other people associated with this account who may or may not have contractual responsibility.
I
Individual - This individual has contractual responsibility for this account and is primarily responsible for its payment
M
Maker (signer) - This individual is responsible for this account, which is guaranteed by a Co-maker (cosigner)
P
Shared Account - This individual participates in this account. The association cannot be distinguished between ECOA I or J
S
coSigner - This individual has guaranteed this account and assumes responsibility should signer default
T
Terminated - Account is terminated
U
Undesignated - This is reported by the Bureau only
X
Deceased - the subject is on record as being dead
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