---
title: What are the account type codes for consumer credit reporting?
description: This part of the documentation describes the account type codes for consumer credit reporting.
---

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October 9, 2026

# What are the account type codes for consumer credit reporting?

## This part of the documentation describes the account type codes for consumer credit reporting.

### The following table contains an **alphabetic** listing of the account type codes:

| **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) |

 

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