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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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McKinney TX 75069

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you must contact a licensed attorney. Comments about the possible and/or potential outcome of Client's matters are based upon experience and prior success in these matters.
RMCN does not guarantee the permanent removal of accurate and verifiable information. Client's active participation in providing RMCN all requested documents, forms,
and information including investigation results are essential for the accomplishment of an accurate credit report. Individual results may vary.

RMCN does business exclusively within the State of Texas. (Client) has initiated contact with RMCN for purposes of retaining its Texas-based services. RMCN's performance under its
(contract) will take place solely within the State of Texas. The parties agree that RMCN has not established contacts within, or availed itself of the laws of, any state other than Texas.