Credit
Report
Report
| Looking at your credit report and not sure what all of the codes mean? Here is a helpful tool to help you better understand how to read a credit report. |
| Type of Account |
Month of Payment - MOP |
Valid ECOA Codes |
ECOA Codes |
| I - Installment |
1- Current |
A - Authorized User |
0- Undesignated |
| M - Real Estate |
2- 30 Days Late |
C- Co-Maker |
1- Individual Account |
| R- Revolving |
3- 60 Days Late |
I- Individual |
2- Joint Liablity |
| O- Open/ 30 day account |
4- 90 Days Late |
j- Joint |
3-Authorized User (spouse) |
| C- Credit Line |
5-120 Days Late |
M- Maker |
4- Joint **underermined whether 2 or 3) |
| L- Landlord |
6- 150 Days Late |
S- Shared |
5- Co-Signor Not Spouse |
| H- House Mortgage |
7- Bankruptcy |
T- Terminated |
6- On Behalf of Account |
| Q- Inquiry |
8- Repossesion /Foreclosure |
U- Undesignated |
7- Subject Primarily Responsible but has Co-Signor |
| Y- Collections |
9- Collections/ Charge Off |
8- Individual account of Spouse |
|
| 9- Subject No Longer Responsible for Account |
If you feel you are a victim of Identity Theft please Click here to learn what steps
need to take place.
If you believe you have an error on your credit report click here to learn what
steps need to take place.
need to take place.
If you believe you have an error on your credit report click here to learn what
steps need to take place.
| For additional questions please contact me at 281-650-7592 or via e-mail at kowens@closingjust4you.com |
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