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TransUnion Empirica Scoring Codes
TRANSUNIONSM CREDIT REPORT CODES
ECOA INQUIRTY AND ACCOUNT DESIGNATORS
TYPE OF ACCOUNT
DATE INDICATORS
MOP CURRENT MANNER OF PAYMENT
KINDS OF BUSINESS CLASSIFICATION
TRANS ALERT AND HAWK ALERT MESSAGES

ECOA 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 Too new to rate, or no rating
01 Pays (or paid) within 30 days of payment due date, or not over one payment past due
02 Pays (or paid) within 30 days of payment due date, but not more than 60 days, or not more than two payments past due
03 Pays (or paid) within 60 days of payment due date, but not more than 90 days, or not more than three payments past due
04 Pays (or paid) within 90 days of payment due date, but not more than 120 days, or not more than four payments past due
05 Pays (or paid) within 120 days of payment due date or not more than four payments past due
07 Making regular payments under Wage Earner Plan or similar arrangement
08 Repossession
8A Voluntary Repossession
8D Legal Repossession
8P Making payments to account with MOP/08
8R Repossession redeemed
09 Bad debt; placed for collection
9B Collection account
9P Making payments or paid with an MOP of 09 or 9B
UC Unclassified
UR Unrated

KINDS OF BUSINESS CLASSIFICATION

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, BULIDING MATERIAL, HARDWARE
M MEDICAL & 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 SUPPLIERS
U UTILITIES AND FUEL
V GOVERNMENT
W WHOLESALE
X ADVERTISING
Y COLLECTION
Z MISCELLANEOUS

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TRANS ALERTSM AND HAWK ALERTSM MESSAGES

TRANS-ALERTSM Messages
***TRANS-ALERTSM: (no. of) INQUIRIES IN LAST 60 DAYS***
***TRANS-ALERTSM: CURRENT INPUT ADDRESS DOES NOT MATCH FILE ADDRESS(ES)***
***TRANS-ALERTSM: INPUT SSN NOT ISSUED***
***TRANS-ALERTSM: INPUT SURNAME DOES NOT MATCH FILE SURNAME***
***TRANS-ALERTSM: INPUT SUBJECT SSN DOES NOT MATCH FILE SSN***
***TRANS-ALERTSM: INPUT SPOUSE SSN DOES NOT MATCH FILE SSN***
***TRANS-ALERTSM: CURRENT INPUT ZIP CODE INVALID***
***TRANS-ALERTSM: PREVIOUS INPUT ZIP CODE INVALID***

HAWK-ALERTSM Messages
***HAWK-ALERTSM: VERIFY INPUT…
–INVESTIGATE ADDRESS***(Designated as Current or Previous)
***HAWK-ALERTSM: VERIFY INPUT…
–INVESTIGATE SUBJECT SSN***
***HAWK-ALERTSM: VERIFY INPUT…
–INVESTIGATE TELEPHONE NO.***
***HAWK-ALERTSM: SUBJECT SSN HAS BEEN USED TO FILE A DEATH CLAIM IN (DATE)***
***HAWK-ALERTSM: VERIFY INPUT…ADDRESS IS COMMERCIAL***
***HAWK-ALERTSM: VERIFY INPUT…ADDRESS IS INSTITUTIONAL***
***HAWK-ALERTSM: VERIFY INPUT…ADDRESS IS A MULTI-UNIT DWELLING***
***HAWK-ALERTSM: VERIFY INPUT…ADDRESS IS RURAL ROUTE***
***HAWK-ALERTSM: CLEAR***
***HAWK-ALERTSM: TEMPORARILY UNAVAILABLE***
***HAWK-ALERTSM: HAWK ACCESS NOT AUTHORIZED***

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