03-07-2008 12:55 PM
Codes are not shown in the normal consumer credit reports, but do appear in the expanded and full reports made available to lendors/creditors. Common codes are:
PRM: Inquiries with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit or insurance. (PRM inquiries remain for 12 months)
AM or AR: Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors. (AM and AR inquiries remain for 12 months)
EMPL: Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months)
PR: Inquiries with this prefix indicate that a creditor reviewed you account as part of a portfolio they are purchasing. (PR inquiries remain for 12 months)
Equifax or EFX: Inquiries with this prefix indicate Equifax’s activity in response to your contact with them for a copy of your credit file of a research request.
ND: Inquiries with this prefix are general inquiries that do not display to credit grantors. (ND inquiries remain for 24 months)
ND MR: Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company in connection with a mortgage loan. (ND MR inquiries remain for 24 months)
These codes reflect the monthly status of an account and are displayed for balance reporting loans. Collections and charge-offs are not graded. These codes stand for:
N Current account/zero balance-no update tape received
0 Current account/zero balance-reported on update tape
1 30 days past the due date
2 60 days past the due date
3 90 days past the due date
4 120 days past the due date
5 150 days past the due date
6 180 days past the due date
7 Bankruptcy Chapter 13 (Petitioned, Discharged, Reaffirmation of Debt Rescinded)
8 Derogatory, e.g. foreclosure proceeding, deed in lieu
9 Bankruptcy Chapter 7, 11, or 12 (Petitioned, Discharged, Reaffirmation of Debt Rescinded)
J Voluntary Surrender
B Account condition change, payment code not applicable
- No history reported for that month
No history maintained
03-08-2008 08:34 AM
03-08-2008 08:39 AM
03-08-2008 08:16 PM
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