aj0strow · June 10, 2024 17:14
diff --git a/account_status.csv b/account_status.csv
diff --git a/account_type.csv b/account_type.csv
diff --git a/address_indicator.csv b/address_indicator.csv
diff --git a/association_code.csv b/association_code.csv
diff --git a/base.csv b/base.csv
diff --git a/condition_code.csv b/condition_code.csv
diff --git a/consumer_information_indicator.csv b/consumer_information_indicator.csv
diff --git a/consumer_transaction_type.csv b/consumer_transaction_type.csv
diff --git a/header.csv b/header.csv
diff --git a/j1.csv b/j1.csv
diff --git a/j2.csv b/j2.csv
diff --git a/p1.csv b/p1.csv
diff --git a/payment_history.csv b/payment_history.csv
diff --git a/payment_rating.csv b/payment_rating.csv
diff --git a/phone_type.csv b/phone_type.csv
Status	Description	Equifax Description	Equifax Rate
DA	Delete entire account	None	9
DF	Delete entire account	None	9
ZA	Financial counseling	Credit Counseling	7
05	Account transferred to another office	Transferred or sold	1
07	Too new to rate	None	0
11	Account in good standing	None	1
13	Paid or closed account / zero balance	Account paid	1
61	Account paid in full / was voluntary surrender	Account paid	8
62	Account paid in full / was collection account / insurance claim or government claim	Account paid	9
63	Account paid in full / was repossession	Account paid	8
64	Account paid in full / was charge off	Account paid	9
65	Account paid in full / was foreclosure	Account paid	9
71	Account 30 days past due	None	2
78	Account 60 days past due	None	3
80	Account 90 days past due	None	4
82	Account 120 days past due	None	5
83	Account 150 days past due	None	5
84	Account 180 days past due	None	5
87	Foreclosure proceeding started	Foreclosure proceeding started	5
88	Claim filed with government for insured portion of balance on defaulted loan	None	9
89	Deed received in lieu of foreclosure on defaulted loan; there may be a balance due	None	8
93	Account seriously past due and / or assigned to internal or external collections	Account assigned to 3rd party for collection	9
94	Foreclosure / Credit Grantor sold collateral to settle default mortgage; there may be a balance due	Foreclosure	8
95	Voluntary surrender	Voluntary repossession	8
96	Merchandise was taken back by Credit Grantor, there may be a balance due	Involuntary repossession	8
97	Unpaid balance reported as a loss by Credit Grantor	Written off	9
Metro Value	Metro Description	Equifax Description
00	Auto	Auto
01	Unsecured	Unsecured
02	Secured	Secured
03	Partially Secured	Secured
04	Home Improvement	Home Improvement Loan
05	FHA Home Improvement	Home Improvement Loan
06	Installment Sales Contract
07	Charge Account
08	Real Estate	Mortgage
10	Business Loan	Commercial
11	Recreational Merchandise
12	Education	Student
13	Lease	Lease
15	Line of Credit
17	Manufactured Housing
18	Credit Card
19	FHA Real Estate Mortgage Loan	Mortgage
20	Note Loan	Note Loan
25	Real Estate Mortgage Loan	Mortgage
26	Conventional Real Estate Mortgage	Mortgage
29	Rental Agreement	Rental
34	Debt Counseling Service	Credit Counseling
37	Combined Credit Plan
43	Debit Card
47	Credit Line Secured	Secured
48	Collection Agency or Attorney
50	Family Support
65	Government Unsecured Guaranteed Loan	Unsecured
66	Government Secured Guaranteed Loan	Secured
67	Government Unsecured Direct Loan	Unsecured
68	Government Secured Direct Loan	Secured
69	Government Grant
70	Government Overpayment
71	Government Fine
72	Government Fee for Services
73	Government Employee Advance
74	Government Misc. Debt
75	Government Benefit
77	Returned Check	Due to NSF cheque
89	Home Equity Line of Credit	Home Equity
90	Medical Debt
91	Debt Consolidation	Consolidation Loan
92	Utility Company
93	Child Support
95	Attorney Fees
0A	Time Share Loan
0C	Debt Buyer
0G	Flexible Spending Credit Card	Hybrid Account
1Y	Hybrid
1Z	Student Line of Credit	Student
2A	Secured Line of Credit	Secured
2C	Farmers Home Admin Real Estate Mortgage	Mortgage
2Z	RSP Loan	RSP Loan
3A	Auto Lease	Lease
3Z	RRSP Mortgage Loan	RRSP Mortgage Loan
5A	Real Estate Junior Liens	Mortgage
5B	Second Mortgage	Second Mortgage
6A	Commercial Installment Loan	Commercial
6B	Commercial Mortgage Loan	Commercial
6D	Home Equity	Home Equity
7A	Commercial Line of Credit	Commercial
7B	Agricultural
8A	Business Credit Card	Corporate Credit Card
8B	Deposit Account with Overdraft Protection
9A	Secured Home Improvement	Secured
9B	Business Line Personally Guaranteed	Business Venture Subject Liable
9Z	Overdraft Protection	Overdraft Protection
4Z	Reverse Mortgage	Reverse Mortgage
5Z	Real Estate Secured	Real Estate Secured
6Z	Insured	Insured
7Z	Uninsured	Uninsured
8Z	Collateral Mortgage	Collateral Mortgage
	Value	Description
	C	Confirmed or verified address
	Y	Known to be address of primary consumer
	N	Not confirmed address
	M	Military address
	S	Secondary address
	B	Business address
	U	Returned mail
	D	Default address
	P	Bill payer service not consumer’s residence
Metro Value	Description	Comments
1	Individual	Consumer is primarily responsible for the account
2	Joint	Joint account for which primary consumer has contractual responsibility
4	Joint	Joint account for which primary consumer has contractual responsibility
7	Has a co-signer	Account where primary consumer is liable but if the primary consumer defaults on payment the co-maker is liable.
9	Has a guarantor	Account where primary consumer is liable but another person becomes secondarily liable for the debt in the event of default by the principal debtor.
A	Assumed Mortgage	Account where the buyer assumes all the obligations under the mortgage just as if the loan had been made to the buyer. The major driving force behind assumptions is the lower interest rate on the assumed mortgage relative to current market rates.
T	Terminated	Primary consumer association with account is terminated. This will be reported with balance set to zero and narrative account closed. If account status is not derogatory-rate will be forced to 1.
W	Commercial account	Note: this will designate the account as being a commercial account and will be reported on the commercial database if greater than 50 records.
X	Consumer deceased	Primary consumer is deceased. This will be bypassed at the present time. If you wish to report the account with the latest status- advise Equifax so they can take appropriate action.
Z	Delete	This will delete the borrower from the account on the database. Note: this is to be used only if the account was reported inaccurately. If the entire account needs to be deleted the account status of “DA” must be used.
Field	Field Name	Required	Format	Length	Character Format Position
0	block descriptor word	A	N	4	1-4
1	record descriptor word	A	N	4	1-4
2	processing indicator	Y	N	1	5
3	time stamp	N	N	14	6-19
4	correction indicator	Y	N	1	20
5	identification number	Y	AN	20	21-40
6	cycle identifier	A	AN	2	41-42
7	consumer account number	Y	AN	30	43-72
8	portfolio type	Y	AN	1	73
9	account type	Y	AN	2	74-75
10	date opened	Y	N	8	76-83
11	credit limit	Y	N	9	84-92
12	highest credit or original loan amount	Y	N	9	93-101
13	terms duration	N	AN	3	102-104
14	terms frequency	Y	AN	1	105
15	scheduled payment amount	Y	N	9	106-114
16	actual payment Amount	Y	N	9	115-123
17A	account status	Y	AN	2	124-125
17B	payment rating	Y	AN	1	126
18	Payment History Profile	Y	AN	24	127-150
19	Special Comment	A	AN	2	151-152
20	Compliance Condition Code	A	AN	2	153-154
21	Current Balance	Y	N	9	155-163
22	Amount Past Due	Y	N	9	164-172
23	Original Charge-Off Amount	Y	N	9	173-181
24	Date of Account Information	N	N	8	182-189
25	FCRA Compliance / Date of First Delinquency	Y	N	8	190-197
26	Date Closed	Y	N	8	198-205
27	Date of Last Payment	Y	N	8	206-213
28	Currency Type Code	N	AN	17	214-230
29	Consumer Transaction Type	A	N	1	231
30	Surname	Y	AN	25	232-256
31	First Name	Y	AN	20	257-276
32	Middle Name	Y	AN	20	277-296
33	Generation Code	A	AN	1	297
34	Social Insurance Number	A	N	9	298-306
35	Date of Birth	Y	N	8	307-314
36	Telephone Number	Y	N	10	315-324
37	ECOA/Association Code	Y	AN	1	325
38	Consumer Information Indicator	A	AN	2	326-327
39	Country Code	A	AN	2	328-329
40	First Line of Address	Y	AN	32	330-361
41	Second Line of Address	Y	AN	32	362-393
42	City	Y	AN	20	394-413
43	Province	Y	AN	2	414-415
44	Postal Code	Y	AN	9	416-424
45	Address Indicator	N	AN	1	425
46	Residence Code	N	AN	1	426
Metro Value	Description	Equifax Narrative
XA	Account closed at consumer’s request	Account closed at consumer’s request
XB	Account information disputed by consumer	Subject disputes this account
XC	Completed investigation of FCRA dispute	Subject disputes this account
XD	Account closed at consumer’s request and in dispute under FCRA	- Account closed at consumer’s request - Subject disputes this account
XE	Account closed at consumer’s request investigation under FCRA complete	- Account closed at consumer’s request - Subject disputes this account
XF	Account in dispute under FCBA	Subject disputes this account
XG	FCBA dispute resolved	Subject disputes this account
XJ	Account Closed at consumer’s request and in dispute under FCBA	Account closed at consumer’s request
XR	This DOES NOT remove previously reported narrative for EQUIFAX
	Value	Description
	1	New Account
	2	Name Change
	3	Address Change
	5	Social Insurance Number Change
	6	Name + Address Change
	8	Name + Social Insurance Number Change
	9	Address + Social Insurance Number Change
	A	Name + Address + Social Insurance Change
	Value	Description
	0	0 payments past due (current)
	1	30-59 days past due date
	2	60-89 days past due date
	3	90-119 days past due date
	4	120-149 days past due date
	5	150-179 days past due date
	6	180 or more days past due date
	B	No payment history available prior to this time (this value must not be embedded within other values)
	D	No payment history available this month (D may be embedded within other values)
	E	Zero balance – current account (applies to credit card and line of credit)
	G	Collection
	H	Foreclosure completed
	J	Voluntary surrender
	K	Repossession
	L	Charge off
	Y	Financial Counseling
	Z	Too New to Rate
Metro Value	Description	Output Rate
G	Collection	9
H	Foreclosure Completed	8
J	Voluntary Surrender	8
K	Repossession	8
L	Charge Off	9
Y	Financial Counseling	7
	Metro Value	Description
	1	Residential/Home
	2	Cell/Mobile
	3	Work/Business
	4	Fax
	5	Other