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Credit reports repair information to help you carry out self credit report repair
Experian Credit Report Code
A.
SUBSCRIBER - The lender
B.
SUB# - The lender's subcode (member number) with Experian.
C.
Account Number - The consumer's account number with the lender. May be partially masked with asterisks.
D.
KOB - Experian's Kind of Business code. The first letter indicates the main classification:
A Automotive
B Banks and S&L
C Clothing
D Department, Variety, retail
E Education
F Finance, personal
G Groceries
H Home Furnishings
I InsuranceJ Jewelry, Cameras, Computers
K Contractors
L Lumber, Bldg. Mat., Hardware
M Medical and Health
N Credit card, travel, entertainment
O Oil Companies
P Personal Services (non medical)
Q Mail order houses
R Real Estate, Hotels etc.S Sporting Goods
T Farm and Garden Supplies
U Utilities and Fuel
V Government
W Wholesale
X Advertising
Y Collection Services
Z Miscellaneous
E.
TYPE - The type of loan. For example, AUT is an auto loan, REV is a revolving account.
F.
TERM - Term of loan in months. REV indicates Revolving.
G.
ECOA - 1=Individual, 2=joint (such as husband and wife), etc. ECOA is Equal Credit Opportunity Act.
H.
OPEN - Date the account was opened.
I.
BALDATE and LAST PD - Date of the balance shown, and (if known) date of the last payment.
J.
AMT-TYP1 - An amount, and a code identifying the amount. O is original loan amount, L is credit limit, H is highest balance, C is a charge-off.
K.
BALANCE, MONTHY PAY - Balance and the monthly payment.
L.
AMT-TYP2 - Another amount, with a designation as to the amount type.
M.
PYMT LEVEL - Date the account reached the current status.
PAST DUE - The amount past-due.N.
ACCTCOND - Account condition: Open, closed, etc.
O.
MOS REV - How many months payment history are on file.
MAXIMUM - Date the worst status was reachedP.
PYMT STATUS - COLLACCT is a collections, CURR ACCT is current, DELINQ 30 is 30-days delinquent.
Q.
PYMT HISTORY BY MONTH - from left to right. (Top-left is the BALDATE month.) C - current, N - current with a zero balance, 1 = 30 days past due, 2 = 60-days, (etc.) 7 = paying under WEP, 8 = repossession or foreclosure, 9 = collection or charge-off. B = N/A, G = in collection.
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