TransUnion Empirica Scoring Codes
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TRANSUNIONSM CREDIT REPORT
CODES
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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
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A
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Authorized user of
shared account
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C
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Joint contractual
liability
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I
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Individual account for
sole use of customer
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M
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Account for which subject
is liable, but co-signer has liability if the maker defaults
|
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P
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Participant in shared
account which cannot be distinguished as C or A
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S
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Account for which
subject is co-signer and becomes liable if maker defaults
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T
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Relationship with
account terminated
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U
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Undesignated
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X
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Deceased
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TYPE OF ACCOUNT
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O
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Open Account (30, 60 or
90 days)
|
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R
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Revolving or Option
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I
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Installment
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M
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Mortgage
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C
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Check credit (line of
credit)
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DATE INDICATORS
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A
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Automated
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C
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Closed
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D
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Declined
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F
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Repossessed/Written
Off/Collection
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I
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Indirect
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M
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Manually Frozen
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N
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No Record
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P
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Paid Out
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R
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Reported
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S
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Slow Answering
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T
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Temporarily Frozen
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V
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Verified
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X
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No Reply
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MOP CURRENT MANNER OF PAYMENT
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00
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Too new to rate, or no
rating
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01
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Pays (or paid) within 30
days of payment due date, or not over one payment past due
|
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02
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Pays (or paid) within 30
days of payment due date, but not more than 60 days, or not more than two
payments past due
|
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03
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Pays (or paid) within 60
days of payment due date, but not more than 90 days, or not more than three
payments past due
|
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04
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Pays (or paid) within 90
days of payment due date, but not more than 120 days, or not more than four
payments past due
|
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05
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Pays (or paid) within
120 days of payment due date or not more than four payments past due
|
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07
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Making regular payments
under Wage Earner Plan or similar arrangement
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08
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Repossession
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8A
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Voluntary Repossession
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8D
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Legal Repossession
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8P
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Making payments to
account with MOP/08
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8R
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Repossession redeemed
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09
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Bad debt; placed for
collection
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9B
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Collection account
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9P
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Making payments or paid
with an MOP of 09 or 9B
|
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UC
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Unclassified
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UR
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Unrated
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KINDS OF BUSINESS CLASSIFICATION
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A
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AUTOMOTIVE
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B
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BANKS AND S&L
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C
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CLOTHING
|
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D
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DEPARTMENT, VARIETY AND
OTHER RETAIL
|
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E
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EMPLOYMENT
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F
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FINANCE, PERSONAL
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G
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GROCERIES
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H
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HOME FURNISHINGS
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I
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INSURANCE
|
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J
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JEWELRY, CAMERAS AND
COMPUTERS
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K
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CONTRACTORS
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L
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LUMBER, BULIDING
MATERIAL, HARDWARE
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M
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MEDICAL & RELATED HEALTH
|
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N
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CREDIT CARD AND
TRAVEL/ENTERTAINMENT COMPANIES
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O
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OIL COMPANIES
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P
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PERSONAL SERVICES OTHER
THAN MEDICAL
|
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Q
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FINANCE COMPANIES, OTHER
THAN PERSONAL FINANCE COMPANIES
|
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R
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REAL ESTATE AND PUBLIC
ACCOMMODATIONS
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S
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SPORTING GOODS
|
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T
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FARM AND GARDEN SUPPLIERS
|
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U
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UTILITIES AND FUEL
|
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V
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GOVERNMENT
|
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W
|
WHOLESALE
|
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X
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ADVERTISING
|
|
Y
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COLLECTION
|
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Z
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MISCELLANEOUS
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BACK TO THE TOP
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***
BACK TO THE TOP
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