
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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Others who have viewed this page also viewed these pages:
- TransUnion Hawk Messages – View the standard set of Transunion Hawk messages.
- TransUnion Key To The Credit Report – Here are the key codes to help you understand your TransUnion credit report.