What are the account type codes for consumer credit reporting?

Code:

Description:

7B

Agricultural

95

Attorney Fees

00

Auto

3A

Auto Lease

8A

Business Credit Card.

(Individual has primary responsibility)

9B

Business Line Personally Guaranteed

10

Business Loan

(Individual is personally liable)

07

Charge Account

(Used by the Retail Industry)

93

Child Support

48

Collection Agency/Attorney

37

Combined Credit Plan

(Represents two credit plans being reported as one account. Example: Visa and MasterCard on one bill)

6A

Commercial Installment Loan

(Individual is personally liable; company is guarantor)

7A

Commercial Line of Credit

(Individual is personally liable; company is guarantor)

6B

Commercial Mortgage Loan

(Terms Duration in years. Individual is personally liable; company is guarantor)

0F

Construction Loan

26

Conventional Real Estate Mortgage - including Purchase Money First

(Terms Duration in years. Purchase Money First means that the proceeds of the loan are used to buy the property. This is a mortgage account type)

18

Credit Card

47

Credit Line Secured

43

Debit Card

(To be used when debit card is backed by a line of credit or overdraft protection)

91

Debt Consolidation

(Represents multiple loans which have been consolidated into one loan)

34

Debt Counseling Service

8B

Deposit Related

(Overdrawn account)

12

Education Loan

OC

Factoring Company Account

(aka: Debt Purchaser)

50

Family Support

2C

Farmers Home Administration (FMHA) Real Estate Mortgage Loan Terms

(Duration in years)

05

Federal Housing Administration (FHA) Home Improvement Loan

19

Federal Housing Administration (FHA) Real Estate Mortgage Loan

(Terms Duration in years)

75

Government Benefit

73

Government Employee Advance

72

Government Fee for Services

71

Government Fine

69

Government Grant

74

Government Miscellaneous Debt

70

Government Overpayment

68

Government Secured Direct Loan

66

Government Secured Guaranteed Loan

67

Government Unsecured Direct Loan

65

Government Unsecured Guaranteed Loan

6D

Home Equity

89

Home Equity Line of Credit

04

Home Improvement

1C

Household Goods

06

Installment Sales Contract

(Used by the Retail Industry)

13

Lease

(Non-auto)

15

Line of Credit

(Includes Check Credit)

17

Manufactured Housing

90

Medical Debt

20

Note Loan

03

Partially Secured

5A

Real Estate - Junior Liens and Non-Purchase Money First Terms

(Duration in years)

Junior Liens means that a person has a mortgage on property already and needs more money without paying off existing loan; a refinanced loan with a change in terms — second mortgage, third or more. Non-Purchase Money First means that the proceeds of the loan are not used directly for the property. This is a real estate account type.

11

Recreational Merchandise

29

Rental Agreement

77

Returned Check

Reported by Collection Agencies, Debt Purchasers and Check Guarantee companies when a check was returned to the payee for non-payment usually due to insufficient funds. 

5B

Second Mortgage

(Terms Duration in years)

02

Secured

(Used for Installment Contracts)

22

Secured by Household Goods

23

Secured by Household Goods and Other Collateral

2A

Secured Credit Card

(Deposited funds are available in the event of default)

9A

Secured Home Improvement

4D

Telecommunications/Cellular

0A

Time Share Loan

(A purchased time share)

01

Unsecured

92

Utility Company

25

Veteran’s Administration (VA) Real Estate Mortgage Loan

(Terms Duration in years)