CBR Account Status Codes

Status Code

Description

05

Account transferred.

11

Current account (0-29 days past the due date). Installment and Mortgage loans require a current account with a non-zero balance amount. Credit Line, Open, and Revolving portfolio types require a current account that is available for use. For a closed account with a balance due, report Special Comment Code "M" or Compliance Condition Code "XA" to indicate that the account is no longer available for use.

13

Paid or closed account; zero balance. Installment and Mortgage loans require a paid account with a zero balance amount. Credit Line, Open, and Revolving portfolio types require an account that is no longer available for use and has a zero balance amount. Report Special Comment Code "M" or Compliance Condition Code "XA" to indicate a closed account.

62

Account paid in full; account was a collection account.

64

Account paid in full; account was a charge-off.

65

Account paid in full; foreclosure started.

71

Account 30-59 days past the due date.

78

Account 60-89 days past the due date.

80

Account 90-119 days past the due date.

82

Account 120-149 days past the due date.

83

Account 150-179 days past the due date.

84

Account 180 days or more past the due date.

89

Deed received in lieu of foreclosure on a defaulted mortgage.

93

Account assigned to internal or external collections.

94

Foreclosure completed; collateral sold to settle defaulted mortgage.

97

Unpaid balance reported as a loss (charge-off).

DA

Delete entire account (for reasons other than fraud). For example:

• Account reported in error.

• Consumer is deceased and no other associated party remains responsible for the account.

• Insurance is paying the account, or paid the account in full.

• Debt buyer forwarded or sold the account.

• Third-party agency canceled and returned the account to the creditor.

• Consumer has a discharged bankruptcy Chapter 7 or is in a Chapter 13 repayment plan currently.

Note: To maintain the integrity of credit information, don't request a subsequent deletion of account history unless reporting an actual error. Report paid derogatory accounts, such as collections, as paid; don't delete them.

DF

Delete entire account because of confirmed fraud (fraud investigation completed).