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.
