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Credit Bureau Reporting Exceptions

Exceptions prevent an account from reporting to the credit bureaus. More than one exception can exist simultaneously for the primary customer, responsible parties, and authorized parties. Account level errors that include the primary customer prevent the respective account from reporting. Errors at the responsible or authorized party level don't prevent the account from reporting but the system excludes them from reporting for the respective account. Accounts with exceptions don't report again until you correct the exceptions.

The following table lists the exceptions that prevent an account from reporting to the credit bureaus.

Exception

Description

Level

First-party

Third-party

Business

Account is for a business, not an individual.

Account

Yes

Yes

DebtorExcluded

User flagged the account for exclusion from reporting.

Customer

Yes

Yes

DebtorNotResponsible

User flagged a party on the account as not responsible for the debt. Party on the account is not a first-party authorized user.

Customer

Yes

Yes

DelinquencyDt>Received

Delinquency date is after the account received date.

Account

Yes

Yes

DelinquencyDtWithin30DaysOfReceived

Delinquency date is less than 30 days before the account received date.

Account

Yes

Yes

InvalidAcctType

Account type doesn't match the portfolio type and industry code. This issue is rare and indicates a configuration or data problem.

Account

Yes

Yes

InvalidConsumerAccountNumber

Consumer account number is missing.

Account

Yes

No

InvalidContractDate

Contract date is missing.

Account

Yes

No

InvalidContractToPay

Contract date is missing and the creditor class is not medical.

Account

Yes

Yes

InvalidDebtorZipcode

Customer's ZIP Code is invalid. *

Customer

Yes

Yes

InvalidDOB

Authorized user's date of birth is missing or a responsible party's SSN and date of birth are both missing. If the account reported previously, the date of birth constraint doesn't apply for authorized users. *

Customer

Yes

Yes

InvalidFirstName

Customer's last name is missing or invalid. *

Customer

Yes

Yes

InvalidLastName

Customer's last name is missing or invalid. *

Customer

Yes

Yes

InvalidOriginalLoanAmount

Original loan amount is missing.

Account

Yes

Yes

InvalidState

Customer's state (in address) is invalid. *

Customer

Yes

Yes

MedicalWithin180Days

Account has a medical creditor classification and is less than 180 days past the delinquency date.

Account

Yes

Yes

MinBalException

Current account balance is less than the configured minimum amount.

Account

Yes

Yes

MissingAcctOriginalCreditor

Original creditor is missing and there isn't a default original creditor provided.

Account

Yes

Yes

MissingChargeOffAmount

Charge-off amount is missing.

Account

Yes

No

MissingChargeOffRecord

Required charge-off information is missing.

Account

Yes

No

MIssingCity

Customer's city (in address) is missing. *

Customer

Yes

Yes

MissingCreditorClass

Creditor classification is missing.

Account

Yes

Yes

MissingDefaultOriginalCreditor

Default original creditor is missing.

Account

Yes

Yes

MissingSecondaryAccountNumber

Secondary account number is missing and the debt is charge-off mortgage.

Account

Yes

No

MissingSecondaryAgencyIdentifier

Secondary agency identifier is missing and the debt is charge-off mortgage.

Account

Yes

No

MissingSSN&DOB

Customer's SSN or date of birth is missing. *

Customer

Yes

Yes

MissingStreetAddress

Customer's street address line 1 is missing. *

Customer

Yes

Yes

NullDebtorZipcode

Customer's ZIP Code is missing. *

Customer

Yes

Yes

NullDelinquencyDt

Delinquency date is missing.

Account

Yes

Yes

OpenChargeOffNotInBankruptcy

Charge-off account has an open status and isn't in bankruptcy.

Account

Yes

No

OutofStatute

Federal 7-year reporting statute expired.

Account

Yes

Yes

ReportDateNotMet

Account has a reporting wait time set that is not expired.

Account

Yes

Yes

ZeroedDebtorZipcode

Customer's ZIP Code contains all zeroes. *

Customer

Yes

Yes

* Applies to reported accounts with an open date after September 15, 2017.

Related Topics

Credit Bureau Reporting