Logical data dictionary

Version 1.1
Generated on 3/9/01
Copyright 2001 Mortgage Bankers Association of America, Inc.

Permission to use, copy, modify, and distribute the MISMO
DTD and its accompanying documentation for any purpose and without
fee is hereby granted in perpetuity, provided that the above copyright
notice and this paragraph appear in all copies. The copyright holders make
no representation about the suitability of the DTD for any purpose.

Processes included in this dictionary: Credit Reporting

NameDescriptionSourceContextProcessesDatatype
Alimony Child Support Obligations IndicatorBorrowers declaration regarding obligations for alimony, child support, etc. Collected on the URLA in Section VIII line g.URLADeclarationsCredit Reporting, UnderwritingBoolean
Application Interviewer Signed DateThe date on which the interviewer obtained HMDA information and signed the loan application. Collected on the URLA in Section X (Interviewers Signature Date).URLAParties to TransactionCredit Reporting, UnderwritingDate/Time
Application Taken Method TypeSpecifies the method used to take the application as determined by the interviewer. Collected on the URLA in Section X (This Application Was Taken By).URLAApplicationCredit Reporting, UnderwritingEnumerated:
  • Face-to-face: Application was taken in a face to face interview.
  • Mail: Application was taken by mail
  • Telephone: Application was taken over the telephone.
Asset Account IdentifierA unique identifier of the borrowers asset. Collected on the URLA in Section VI (Assets).URLAAssetCredit Reporting, UnderwritingString
Asset Cash or Market Value AmountThe dollar amount of the cash or market value of the borrowers Asset Type. The market value is the price at which an asset is transferred between a willing buyer and a willing seller, each of whom has a reasonable knowledge of all pertinent facts and neither being under any compulsion to buy or sell. (e.g., IBMs closing quote) Market value and cash values tend to be equal. Collected on the URLA in Section VI (Assets).URLAAssetCredit Reporting, MI, UnderwritingMoney
Asset Face Value AmountThe dollar amount of the face value of the borrowers Asset Type. The face value is the par value or actual selling price of the asset or the amount the issuer contracts to repay. (Collected on the URLA in Section VI (Assets - Face Amount Life Insurance).URLAAssetCredit Reporting, UnderwritingMoney
Asset Net Cash Value AmountThe dollar amount of the net cash value of the borrowers Asset Type. The net cash value is the market value of an asset less any required reductions. (E.g., value of IRA after paying taxes, penalties and loans) Collected on the URLA in Section VI (Assets - Life Insurance Net Cash Value).URLAAssetCredit Reporting, UnderwritingMoney
Asset TypeSpecifies the general names (type) of items commonly listed as financial assets of the borrower(s) in a mortgage loan transaction. Assets may be either liquid or fixed and are associated with a corresponding asset amount. Collected on the URLA in Section VI (Assets).URLAAssetCredit Reporting, MI, UnderwritingEnumerated:
  • Automobile: Car or similar personal transportation vehicle disclosed as borrowers asset. Usually linked to make or model and year. Typical valuation method is market (blue book). Collected on the URLA in Section VI (Assets).
  • Bond: An interest-bearing certificate of debt with maturity date. An obligation of issuing entity. Typical valuation is face value (e.g., $1,000 denomination) & market (e.g., value of 4% bond when yields are 6%). Collected on the URLA in Section VI (Assets - Stocks & Bonds).
  • Borrower Estimated Total Assets: The asset amount used by the lender to qualify the borrower for the loan.
  • Bridge Loan Not Deposited: Proceeds of a loan (secured by borrowers present house) to provide homebuyer with funds for down payment & closing costs on a new home before selling present house, which have not yet been deposited to borrowers accounts or included with other assets disclosed. Collected on the URLA in Section VI (Assets - Other Assets).
  • Cash On Hand: Currency physically possessed by borrower, not deposited in any financial institution. Considered liquid. Collected on the URLA in Section VI (Assets - Other Assets).
  • Certificate of Deposit / Time Deposit: Certificates issued by financial institutions with a stated term or interest rate, and with a set maturity date. The bank pays the holder in due course at maturity. Early withdrawal subject to penalty. Considered liquid. Collected on the URLA in Section VI (Assets).
  • Checking Account: Transaction account with a financial institution. Accounts purpose is to effect transfer of owners funds to others by various methods (e.g., check, EFT, ACH, draft). Technical name is demand deposit account (DDA). Considered liquid. Collected on the URLA in Section VI (Assets - Checking Account).
  • Earnest Money Cash Deposit Toward Purchase: Deposit made to bind the conditions of a real estate sale. Deposited in escrow account controlled by others, so funds cannot be included in disclosure in any other account. Collected on the URLA in Section VI (Assets - Cash Deposit).
  • Gifts Not Deposited: Money given as gift (no repayment expected) to Borrowers to assist in home purchase, usually from relatives or close friend, where gift funds have not yet been deposited or included with other assets. Collected on the URLA in Section VI (Assets - Other Assets).
  • Grants Not Deposited: Money scheduled to be given as grant (no repayment expected) to Borrowers to assist in home purchase, usually from local organization or charity, where grant funds have not yet been deposited to borrowers accounts or included with other assets. Collected on the URLA in Section VI (Assets - Other Assets).
  • Life Insurance: A life insurance policy with a value or investment component. Details of amounts for each policy collected on URLA in Section VI (Assets - Life Insurance Face Amount) or Accumulated investment cash value of life insurance policy, net of any loans against that amount. Detail of amounts for each policy collected on URLA in Section VI (Assets - Life Insurance Net Cash Value).
  • Money Market Fund: Mutual fund that allows individuals to participate in managed investments in short-term debt securities, such as certificates of deposit and Treasury bills. Considered liquid. Collected on the URLA in Section VI (Assets).
  • Mutual Fund : Financial entity that invests its shareholders funds in stocks and bonds of other entities with the objective of obtaining a return on its shareholders investment. Collected on the URLA in Section VI (Assets - Stocks & Bonds).
  • Net Worth of Business Owned: For a business owned by borrower, the amount resulting from the calculation Assets minus liabilities. Collected on the URLA in Section VI (Assets - Net Worth of Business).
  • Other Liquid Assets: General category to disclose detail of other borrower assets that have a ready market where a quick sale would yield the amount disclosed (e.g., commodity contract, certain currencies or coins). Typically has free text description. Collected on the URLA in Section VI (Assets - Other Assets).
  • Other Non-Liquid Assets: General category to disclose detail of other borrower assets that have little ready market (e.g., statues). Typically has FREE TEXT description. Collected on the URLA in Section VI (Assets - Other Assets).
  • Pending Net Sale Proceeds from Real Estate Assets: Estimated net cash proceeds (sales price - obligations) from anticipated sale of borrowers real estate assets.
  • Real Estate Owned: Market value of real estate owned by the borrower. Collected on the URLA in Section VI (Schedule of Real Estate Owned).
  • Retirement Funds - Total: Sum of all 401ks, IRAs, etc. controlled by borrower(vested) valued at market. Collected on the URLA in Section VI (Assets - Vested Retirement Fund).
  • Savings Account: Interest-paying account with a financial institution whose main purpose is to earn interest on owners funds held therein. This is NOT a demand deposit account. Considered liquid. Collected on the URLA in Section VI (Assets - Savings Account).
  • Secured Borrowed Funds Not Deposited: Proceeds from a loan secured by borrowers assets, which have not yet been deposited to borrowers accounts or included with other assets disclosed. Considered liquid. Collected on the URLA in Section VI (Assets - Other Assets).
  • Stock: Financial instrument evidencing an ownership interest in entity that issued the stock. Typical valuation method is Market. Collected on the URLA in Section VI (Assets - Stocks & Bonds).
  • Trust Account: Fiduciary relationship where legal title to a property is transferred to a trustee with the intention the property be administered by the trustee for benefit of the beneficiary, who holds equitable title to such property. Collected on the URLA in Section VI (Assets - Other Assets).
Asset Vested Value AmountThe vested dollar amount of the borrowers Asset Type. A vested interest is a legal claim or right to the present or future enjoyment of the asset. (E.g. Typically borrowers 401K or similar retirement plan.) Collected on the URLA in Section VI (Assets Vested Interest in Retirement Fund).URLAAssetCredit Reporting, UnderwritingMoney
Automobile Make DescriptionA free-form text field used to capture the make and model of borrowers vehicle disclosed as asset. Collected on the URLA in Section VI Assets (Automobiles Owned).URLAAssetCredit Reporting, UnderwritingString
Automobile Model YearA free-form text field used to capture the model year of borrowers vehicle disclosed as asset. Collected on the URLA in Section VI Assets (Automobiles Owned).URLAAssetCredit Reporting, UnderwritingDate/Time
Bankruptcy Past Seven Years IndicatorBorrowers answer to the question: Have you been declared bankrupt within the past 7 years? Collected on the URLA in Section VIII line b.URLADeclarationsCredit Reporting, Secondary, UnderwritingBoolean
Borrowed Down Payment IndicatorBorrowers answer to the question: Is any of the down payment borrowed? Collected on the URLA in Section VIII line h.URLADeclarationsCredit Reporting, UnderwritingBoolean
Borrower Alias Account IdentifierA unique identifier of the account under which credit has been granted to the borrower while using the identified alias (alternate name.) Collected on the URLA in Assets and Liabilities Section (Account Number).URLABorrowerService ordering, Credit Reporting, UnderwritingString
Borrower Alias Creditor NameThe unstructured name of the grantor of credit to the borrower while using the identified alias (alternate name). Collected on the URLA in Section Assets and Liabilities (Creditor Name).URLABorrowerService ordering, Credit Reporting, UnderwritingString
Borrower Alias NameAny additional name under which the borrower may have been granted credit. (e.g. maiden name) Collected on the URLA in Section Assets and Liabilities (Alternate Names)URLABorrowerService ordering, Credit Reporting, UnderwritingString
Borrower Application Signed DateThe date that the borrower signed the loan application. Collected on the URLA in Section IX (Borrowers Signature Date).URLABorrowerCredit Reporting, UnderwritingDate/Time
Borrower Birth DateBorrowers date of birth. Collected in lieu of AGE in URLA, Section III, second line, third field.URLABorrowerService ordering, Credit Reporting, UnderwritingDate/Time
Borrower First NameThe first name of the borrower. Collected on the URLA in Section III (Borrowers Name).URLABorrowerService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Borrower Home Telephone NumberThe home telephone number of the borrower. Collected on the URLA in Section III (Home Phone).URLABorrowerCredit Reporting, UnderwritingString
Borrower Last NameThe last name of the borrower. Collected on the URLA in Section III (Borrowers Name).URLABorrowerService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Borrower Middle NameThe middle name of the borrower. Collected on the URLA in Section III (Borrowers Name).URLABorrowerService ordering, Credit Reporting, MI, UnderwritingString
Borrower Name SuffixThe name suffix of the borrower. (E.g., JR = Junior, SR = Senior, etc.) Collected on the URLA in Section III (Borrowers Name).URLABorrowerService ordering, Credit Reporting, MI, UnderwritingString
Borrower Residency TypeThis attribute, accompanying borrower residence data, qualifies it as either the current or prior borrowers residence.URLABorrowerService ordering, Credit Reporting, MI, Secondary, UnderwritingEnumerated:
  • Current: The borrowers current residence
  • Prior: The borrowers prior residence
Borrower Spouse IdentifierThe identifier used to link two borrowers who are married to each other. It is recommended that the Borrower ID be used as the identifier.LPBorrowerService ordering, Credit Reporting, UnderwritingString
Borrower Unparsed NameThe unparsed name of a person or non-person entity that is a borrower. (E.g., DBA) Collected on the URLA in Section III (Borrowers Name).URLABorrowerService ordering, Credit Reporting, UnderwritingString
Borrower USA Social Security NumberThe Social Security Number (SSN) associated with the borrower. Collected on the URLA in Section III (Social Security Number).URLABorrowerService ordering, Credit Reporting, MI, Secondary, UnderwritingNumeric
Business Owned Net Worth AmountThe dollar amount of the net worth of a business owned by the borrower. The net worth is the value of all assets, including cash, less total liabilities. Collected on the URLA in Section VI Assets (Net Worth of Business Owned).Financial StatementAssetCredit Reporting, UnderwritingMoney
Citizenship Residency TypeSpecifies this borrowers current Immigration and Naturalization Service (INS) status. Collected on the URLA in Section VIII line j and line k.URLADeclarationsCredit Reporting, UnderwritingEnumerated:
  • Non-Permanent Alien:
  • Non-Resident Alien:
  • Permanent Resident Alien:
  • Unknown:
  • US Citizen:
Comaker Endorser of Note IndicatorBorrowers answer to the question: Are you a co-maker or endorser on a note? Collected on the URLA in Section VIII line i.URLADeclarationsService ordering, Credit Reporting, UnderwritingBoolean
Contact NameThe name of individual acting as a contact for a party to the loan.MultipleIndividuals NameService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Contact Point Preference IndicatorThis indicator is set to be true when the particular contacts Contact Point (i.e. phone number) is preferred over any others.Multiple(not specified)Service ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingBoolean
Contact Point Role TypeThis element sets the type of role (i.e. Home, Work or Mobile) used for the Contact Point Type (Phone, Fax, Email).Multiple(not specified)Service ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingEnumerated:
  • Home: The applicable Point Type applies to the contacts home.
  • Mobile: The applicable Point Type applies to the contacts mobile (phone/fax/email).
  • Work: The applicable Point Type applies to the contacts work.
Contact Point TypeThis datum sets the Type (Phone, Fax, Email, Other) for the Contact Point Value of contact point used for the Contact Point Value.Multiple(not specified)Service ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingEnumerated:
  • Email: The Contact Point Value contains an email address.
  • Fax: The Contact Point Value contains a fax number.
  • Other: The Contact Point Value contains some other Contact Point Type.
  • Phone: The Contact Point Value contains a telephone number.
Contact Point ValueThis is the actual value of the Contact Point Type.Multiple(not specified)Service ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Credit Business TypeThe credit repository bureaus can identify the type of business of the liability holder or the entity requesting a credit report as listed in a credit inquiry record. This information is needed for an automated scoring application. This data is available for liability and inquiry records from Equifax, Experian and Trans Union.Credit ReportCredit ReportingCredit ReportingEnumerated:
  • Advertising:
  • Automotive:
  • Banking:
  • Clothing:
  • Collection Services:
  • Contractors:
  • Department and Mail Order:
  • Employment:
  • Farm and Garden Supplies:
  • Finance:
  • Government:
  • Grocery:
  • Home Furnishing:
  • Insurance:
  • Jewelry and Camera:
  • Lumber and Hardware:
  • Medical and Health:
  • Miscellaneous and Public Record:
  • Oil and National Credit Cards:
  • Personal Services Not Medical:
  • Real Estate and Public Accommodation:
  • Sporting Goods:
  • Utilities and Fuel:
  • Wholesale:
Credit Error Message Source TypeSpecifies the source of an error message. Messages can come either from the credit data repository or the credit bureau.(not specified)CreditCredit ReportingEnumerated:
  • Credit Bureau:
  • Repository Bureau: The agency that stores and maintains the credit data files - Equifax, Experian, Trans Union.
Credit File Alert Message TextThe credit data repository bureaus sometimes send alert messages with a credit file. Examples might be Inquiry address is an answering service, or SSN has never been issued. Its something you should take note of.Credit Repository BureauCreditCredit ReportingString
Credit File Alert Message TypeLists the name of the repository bureau service that generated the alert message.Credit Repository BureauCreditCredit ReportingEnumerated:
  • Equifax SAFESCAN: Optional product that provides alert messages for possibly fraudulent SSN, addresses and other data.
  • Equifax SSN Verified: Optional product that validates borrowers SSN data.
  • Experian FACS Plus: Optional product that generates alert messages for possibly fraudulent SSNs, addresses and other data.
  • Trans Union HAWK Alert: Optional product that matches addresses, SSNs, and phone numbers against national fraud database.
  • Trans Union Trans Alert: Optional product that highlights mismatched addresses, invalid postal codes, SSN mismatches, etc.
Credit File Borrower Age YearsThe age of the borrower reported in the credit file returned from the repository bureau. The age is sometimes reported in lieu of the date of birth.Credit Repository BureauCreditCredit ReportingNumeric
Credit File Borrower Birth DateThe birthdate of the borrower reported in the credit file returned from the repository bureau. Credit Repository FileCreditCredit ReportingDate/Time
Credit File Borrower First NameThe first name of the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingString
Credit File Borrower Last NameThe last name of the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingString
Credit File Borrower Middle NameThe middle name of the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingString
Credit File Borrower Name SuffixThe suffix name (JR, SR, III, etc.) of the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingString
Credit File Borrower Unparsed NameThe full name of the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingString
Credit File Borrower USA Social Security NumberThe Social Security Number (SSN) associated with the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingNumeric
Credit File Comment TextAny type of additional comment or remark about the credit file.Credit ReportCreditCredit ReportingString
Credit File Consumer Comment TextThis consumer (borrower) comment is on file with the credit data repository and has been included with this credit file.Credit ReportCreditCredit ReportingString
Credit File Data Repository SourceThis element describes the source of the credit file - Equifax, Experian, or Trans Union).Credit ReportCreditCredit ReportingEnumerated:
  • Equifax:
  • Experian:
  • Other:
  • Trans Union:
Credit File Error MessageThis error message can come either from the credit data repository or the credit bureau. It may indicate a problem with the request data, such as a bad Date of Birth or SSN, or it could be related to a system problem.Credit Repository BureauCreditCredit ReportingString
Credit File Infile DateThe Infile Date is the date that the credit data repository first established this credit data file on this borrower.Credit Repository BureauCreditCredit ReportingDate/Time
Credit File Owning Bureau IdentifierThe identification number of the credit bureau that owns or manages the credit file being referenced.Credit Repository BureauCreditCredit ReportingString
Credit File Unparsed Address DataThis is unparsed address data reported by the repository bureaus with a credit file. The text may also include the date that the address was reported and other data.Credit ReportCreditCredit ReportingString
Credit File Unparsed Employment DataThis is unparsed employment data reported by the repository bureaus with a credit file. The text may also include the date that the employment was reported and other data.Credit ReportCreditCredit ReportingString
Credit File Variation IndicatorThis element indicates that there was a variation from the original borrower demographics data in the request and the borrower data in the credit file. It MAY or MAY NOT belong to the borrower specified in the credit request.Credit Repository BureauCreditCredit ReportingEnumerated:
  • Different Address:
  • Different Birth Date:
  • Different Generation:
  • Different Last Name:
  • Different Name:
  • Different SSN:
Credit Inquiry Data Repository SourceThis element describes the source of the information provided for this credit inquiry - could be a single data repository (Equifax, Experian, Trans Union), or could be a merge of data from multiple sources.Credit ReportCreditCredit ReportingEnumerated:
  • Equifax: Equifax Credit Information Services, Inc.
  • Experian: Experian Information Solutions, Inc.
  • Merged Data: Data is merged from multiple sources
  • Other: The credit account has been closed
  • Trans Union: Trans Union Corporation
Credit Inquiry DateThe date of the credit inquiry.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Account Closed DateThe date that the credit liability account was closed by the liability holder (by either the borrower or the liability holder).Credit ReportCreditCredit ReportingDate/Time
Credit Liability Account IdentifierThe account number assigned to the liability account as provided by the credit repository bureau.Credit ReportCreditCredit ReportingString
Credit Liability Account Opened DateThe date that the credit liability account was opened by the liability holder.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Account Ownership TypeDescribes the ownership relation of the borrower(s) to the liability account (i.e. are they solely responsible, jointly responsible, a co-signer on the account, etc.)Credit ReportCreditCredit ReportingEnumerated:
  • Authorized User: This individual is an authorized user of this account; another individual has contractual responsibility.
  • Co-maker: This individual has guaranteed this account and assumes responsibility should the maker default.
  • Individual: This individual has contractual responsibility for the account and is primarily responsible for its payment.
  • Joint - Contractual Liability: Individual has contractual responsibility to repay all debts on this account. Others associated with account may or may not have contractual responsibility.
  • Joint - Participating:
  • Maker: This individual is responsible for the account, with is guaranteed by a co-maker.
  • On Behalf Of: This individual has signed an application for the purpose of securing credit for another individual, other than spouse.
  • Terminated: No longer associated with account.
  • Undesignated: Account ownership type has not been designated.
Credit Liability Account Paid DateThe date that the credit liability was reported paid to zero by the liability holder.Credit ReportCreditCredit ReportingString
Credit Liability Account Status DateThe Status Date is the date that the accounts Current Rating was CHANGED to that status by the liability holder. If the Current Rating status is Bankruptcy, for example, the Status Date would be when the account first went into bankkruptcy.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Account Status TypeThis data element is an enumerated status list for an account as of the Account Status Date. Credit ReportCreditCredit ReportingEnumerated:
  • Closed: Account is closed
  • Frozen: Account activity has been frozen
  • Open: Account is open
  • Paid: Account is fully paid
  • Refinanced: Account has been refinanced
  • Transferred: Account has been transferred
Credit Liability Account TypeThis describes the type of account established with the Liability Account Holder - credit line, installment, mortgage, open, revolving).Credit ReportCreditCredit ReportingEnumerated:
  • Credit Line:
  • Installment:
  • Mortgage:
  • Open:
  • Revolving:
  • Unknown:
Credit Liability Balloon Payment AmountThe amount that will be due on the account in the form a lump sum balloon payment.Credit ReportCreditCredit ReportingMoney
Credit Liability Charge Off AmountThe amount charged off by a liability holder, usually for an account in collection.Credit ReportCreditCredit ReportingMoney
Credit Liability Collateral DescriptionA description of any collateral for the loan (for example, 97 Corvette).Credit ReportCreditCredit ReportingString
Credit Liability Comment TextAny type of comment or remark about the liability account.Credit ReportCreditCredit ReportingString
Credit Liability Consumer Dispute IndicatorThis element indicates whether or not the consumer (borrower) disputes information reported for this account and has filed a FCRA dispute form.Credit ReportCreditCredit ReportingBoolean
Credit Liability Credit Limit AmountThe current credit limit for the account as reported by the liability holder.Credit ReportCreditCredit ReportingMoney
Credit Liability Creditor NameName of the liability holder. The name and possibly the address and contact information is contained in the Party element as a Credit Trade Reference.Credit ReportCreditCredit ReportingString
Credit Liability Current Delinquency Rating TypeThe liability accounts current rating (as of Date Reported) for how timely the borrower has been making payments on this account.Credit ReportCreditCredit ReportingEnumerated:
  • 30-60 Days Late:
  • 61-90 Days Late:
  • 91-120 Days Late:
  • As Agreed:
  • Collection:
  • Foreclosure:
  • No Data Available:
  • Over 120 Days Late:
  • Repossession:
  • Too New:
  • Wage Earner Plan:
Credit Liability Data Repository SourceThis element describes the source of the information provided for this liability account - could be a single data repository (Equifax, Experian, Trans Union), or could be a merge of data from multiple sources.Credit ReportCreditCredit ReportingEnumerated:
  • Equifax:
  • Experian:
  • Merged Data: Data has been merged from multiple sources
  • Other: Data has come from sources other than the standard data repositories
  • Trans Union:
Credit Liability Delinquency Rating TypeThis is the accounts manner of payment rating for the associated Late Date.Credit ReportCreditCredit ReportingEnumerated:
  • 30-60 Days Late:
  • 61-90 Days Late:
  • 91-120 Days Late:
  • As Agreed:
  • Collection:
  • Foreclosure:
  • No Data Available:
  • Over 120 Days Late:
  • Repossession:
  • Too New:
  • Wage Earner Plan:
Credit Liability Derogatory Data IndicatorThis element indicates whether or not the liability account contains adverse or derogatory information.Credit ReportCreditCredit ReportingBoolean
Credit Liability High Balance AmountThe highest balance recorded for the account by the liability holder.Credit ReportCreditCredit ReportingMoney
Credit Liability High Credit AmountThe highest credit limit established for the account by the liability holder. It could be higher than the current credit limit.Credit ReportCreditCredit ReportingMoney
Credit Liability Highest Delinquency AmountThe highest delinquent amount on the account as reported by the liability holder.Credit ReportCreditCredit ReportingMoney
Credit Liability Highest Delinquency DateThe date of the highest (worst) delinquency reported by the liability holder.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Highest Delinquency RatingThe liability accounts highest (or worst) rating for how timely the borrower has been making payments on this account.Credit ReportCreditCredit ReportingEnumerated:
  • 30-60 Days Late:
  • 61-90 Days Late:
  • 91-120 Days Late:
  • As Agreed:
  • Collection:
  • Foreclosure:
  • No Data Available:
  • Over 120 Days Late:
  • Repossession:
  • Too New:
  • Wage Earner Plan:
Credit Liability Last Activity DateThe date of last account activity (such as last charge or last payment)reported by the liability holder.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Late 120 Days CountThe number of times the liability account was reported 120 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late 150 Days CountThe number of times the liability account was reported 150 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late 180 Days CountThe number of times the liability account was reported 180 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late 30 Days CountThe number of times the liability account was reported 30 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late 60 Days CountThe number of times the liability account was reported 60 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late 90 Days CountThe number of times the liability account was reported 90 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late DateLists the date (month and year) that the borrower was late on payments. The associated Late Rating element gives the rating for that date.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Loan TypeThis element contains an enumerated list of common loan types. If the loan type is Other, then the description is entered into the Other Credit Loan Type Description element.Credit ReportCreditCredit ReportingEnumerated:
  • Agriculture:
  • Airplane:
  • Appliance Or Furniture:
  • Attorney Fees:
  • Auto Lease:
  • Auto Loan Equity Transfer:
  • Auto Refinance:
  • Automobile:
  • Boat:
  • Business:
  • Business Credit Card:
  • Charge Account:
  • Check Credit Or Line Of Credit:
  • Child Support:
  • Collection:
  • Collection Attorney:
  • Comaker:
  • Combined Credit Plan:
  • Commercial Credit Obligation:
  • Commercial Line Of Credit:
  • Commercial Mortgage:
  • Conditional Sales Contract:
  • Consolidation:
  • Conventional Real Estate Mortgage:
  • Credit Card:
  • Credit Line Secured:
  • Debit Card:
  • Debt Counseling Service:
  • Deposit Related:
  • Educational:
  • Employment:
  • Factoring Company Account:
  • Family Support:
  • Farmers Home Administration FHMA:
  • Federal Consolidated Loan:
  • FHA Comaker Not Borrower:
  • FHA Home Improvement:
  • FHA Real Estate Mortgage:
  • Finance Statement:
  • Government Benefit:
  • Government Employee Advance:
  • Government Fee For Service:
  • Government Fine:
  • Government Grant:
  • Government Miscellaneous Debt:
  • Government Overpayment:
  • Government Secured Direct Loan:
  • Government Secured Guarantee Loan:
  • Government Unsecured Direct Loan:
  • Government Unsecured Guarantee Loan:
  • Home Equity Line Of Credit:
  • Home Improvement:
  • Household Goods:
  • Household Goods And Other Collateral Auto:
  • Household Goods Secured:
  • Installment Loan:
  • Installment Sales Contract:
  • Insurance Claims:
  • Lease:
  • Lender Placed Insurance:
  • Manual Mortgage:
  • Medical Debt:
  • Mobile Home:
  • Mortgage:
  • Note Loan:
  • Note Loan With Comaker:
  • Other:
  • Partially Secured:
  • Personal Loan:
  • Real Estate - Junior Liens:
  • Real Estate - Loan Equity Transfer:
  • Real Estate Mortgage Without Other Collateral:
  • Real Estate Specific Type Unknown:
  • Recreational:
  • Recreational Vehicle:
  • Refinance:
  • Refund Anticipation Loan:
  • Rental Agreement:
  • Residential Loan:
  • Returned Check:
  • Revolving Business Lines:
  • Secured:
  • Secured By Cosigner:
  • Secured Credit Card:
  • Secured Home Improvement:
  • Single Payment Loan:
  • Spouse Support:
  • Summary Of Accounts With Same Status:
  • Time Shared Loan:
  • Title 1 Loan:
  • Unknown Loan Type:
  • Unsecured:
  • Veterans Administration Loan:
  • Veterans Administration Real Estate Mortgage:
Credit Liability Manual Update IndicatorThis element indicates whether or not the data in the liability account has been manually updated by the credit bureau based on an investigation.Credit ReportCreditCredit ReportingBoolean
Credit Liability Monthly Payment AmountThe dollar amount of the monthly payment required on borrowers liability account as reported on a credit report. The amount is either calculated by the credit bureau or provided by the credit liability holder.Credit ReportCreditCredit ReportingMoney
Credit Liability Months Reviewed CountThe number of months of account history reported by the liability holder. This is the period over which Late Counts are accumulated.Credit ReportCreditCredit ReportingNumeric
Credit Liability Most Recent Delinquency AmountThe most recent amount that the borrower was reported delinquent by the liability holder.Credit ReportCreditCredit ReportingMoney
Credit Liability Most Recent Delinquency DateThe date of the most recent delinquency reported by the liability holder.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Most Recent Delinquency RatingThe liability accounts most recent delinquency rating for how timely the borrower has been making payments on this account.Credit ReportCreditCredit ReportingEnumerated:
  • 30-60 Days Late:
  • 61-90 Days Late:
  • 91-120 Days Late:
  • As Agreed:
  • Collection:
  • Foreclosure:
  • No Data Available:
  • Over 120 Days Late:
  • Repossession:
  • Too New:
  • Wage Earner Plan:
Credit Liability Original Creditor NameWhen a liability account has been transferred or is being handled by a collection agency, this element indicates the name of original creditor.Credit ReportCreditCredit ReportingString
Credit Liability Past Due AmountThe amount that the borrower is currently past due as reported by the liability holder.Credit ReportCreditCredit ReportingMoney
Credit Liability Payment Pattern DataThis is a set of previous monthly payment ratings beginning with the Payment Pattern Start Date. C=Current, 1-6=# Months Late, 7=Wage Earner Plan, 8=Repossession, 9=Collection, N=No Activity, X=No Data.Credit ReportCreditCredit ReportingString
Credit Liability Payment Pattern Start DateThe date of the beginning of the data in the Credit Liability Payment Pattern Data.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Reported DateThe date that the credit liability data was reported by the liability holder.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Term MonthsThe total number of months established as terms for repayment of a loan.Credit ReportCreditCredit ReportingNumeric
Credit Liability Terms Calculated Or Provided IndicatorThis enumerated element indicates whether the monthly payment terms amount was provided by the repository bureau, or calculated by the credit bureau. Credit ReportCreditCredit ReportingEnumerated:
  • Calculated: The monthly payment terms amount was calculated by the credit bureau.
  • Provided: The monthly payment terms amount was provided by the credit liability holder.
Credit Liability Terms DescriptionA text description for the loan terms (for example, 360 months at $820 per month).Credit ReportCreditCredit ReportingString
Credit Liability Unpaid Balance AmountThe balance owed on a liability account as of the Date Reported by a repository bureau or credit bureau.Credit ReportCreditCredit ReportingMoney
Credit Public Record Attorney NameThe name of the attorney (normally the plaintiff) reported in the public record.Credit ReportCreditCredit ReportingString
Credit Public Record Bankruptcy Assets AmountThe amount of the defendants declared assets at the time of bankruptcy.Credit ReportCreditCredit ReportingMoney
Credit Public Record Bankruptcy Liabilities AmountThe amount of the defendants declared liabilities at the time of bankruptcy.Credit ReportCreditCredit ReportingMoney
Credit Public Record Comment TextAny type of comment or remark about the public record.Credit ReportCreditCredit ReportingString
Credit Public Record Consumer Dispute IndicatorThis element indicates whether or not the consumer (borrower) disputes information reported for this public record and has filed a FCRA dispute form.Credit ReportCreditCredit ReportingBoolean
Credit Public Record Court NameThe name of the court reporting the public record.Credit ReportCreditCredit ReportingString
Credit Public Record Data Repository SourceThis element describes the source of the information provided for this public record - could be a single data repository (Equifax, Experian, Trans Union, Prentice Hall), or could be a merge of data from multiple sources.Credit ReportCreditCredit ReportingEnumerated:
  • Equifax: Equifax Credit Information Services, Inc.
  • Experian: Experian Information Solutions, Inc.
  • Merged Data: Data merged from multiple sources.
  • Other: Other Repository Source.
  • Prentice Hall: Prentice Hall
  • Trans Union: Trans Union Corporation, LLC.
Credit Public Record Defendant NameThe name of the defendant in a public record.Credit ReportCreditCredit ReportingString
Credit Public Record Derogatory Data IndicatorThis element indicates whether or not the public record contains adverse or derogatory information.Credit ReportCreditCredit ReportingBoolean
Credit Public Record DispositionThis is the enumerated disposition or the public record as of the Disposition Date. If the disposition does not fit one of the enumerated categories, select Other, and enter it in the Public Record Disposition Other element.Credit ReportCreditCredit ReportingEnumerated:
  • Adjudicated:
  • Appealed:
  • Cancelled:
  • Completed:
  • Converted:
  • Discharged:
  • Dismissed:
  • Distributed:
  • Filed:
  • Granted:
  • Involuntarily Discharged:
  • Non-adjudicated:
  • Other:
  • Paid:
  • Paid - Not Satisfied:
  • Pending:
  • Real Estate Sold:
  • Released:
  • Rescinded:
  • Satisfied:
  • Settled:
  • Unknown:
  • Unreleased:
  • Unsatisfied:
  • Vacated:
  • Voluntarily Discharged:
  • Withdrawn:
Credit Public Record Disposition DateThis element provides the date that the Public Record Disposition Type first became effective.Credit ReportCreditCredit ReportingDate/Time
Credit Public Record Docket IdentifierThe Docket Number or Case Number assigned to the Public Record by the court.Credit ReportCreditCredit ReportingString
Credit Public Record Filed DateThe date that the public record was filed by the court.Credit ReportCreditCredit ReportingDate/Time
Credit Public Record Legal Obligation AmountThis is the amount listed in the public record that the defendant is obligated to pay.Credit ReportCreditCredit ReportingMoney
Credit Public Record Manual Update IndicatorThis element indicates whether or not the data in the public record has been manually updated by the credit bureau based on an investigation.Credit ReportCreditCredit ReportingBoolean
Credit Public Record Paid DateThe date that the Legal Obligation Amount was paid to zero.Credit ReportCreditCredit ReportingDate/Time
Credit Public Record Payment FrequencyThis element indicates the frequency of payments allowed for the Legal Obligation Amount.Credit ReportCreditCredit ReportingEnumerated:
  • Lump Sum:
  • Monthly:
  • Other:
  • Unknown:
  • Weekly:
  • Yearly:
Credit Public Record Plaintiff NameThe name of the plaintiff in a public record.Credit ReportCreditCredit ReportingString
Credit Public Record Reported DateThe date that the public record data was last reported by the court to the credit repository bureau.Credit ReportCreditCredit ReportingDate/Time
Credit Public Record Settled DateThe date that the public record case was settled.Credit ReportCreditCredit ReportingDate/Time
Credit Public Record TypeThis is the enumerated type of public record reported by the credit bureau. If the type does not fit one of the enumerated categories, enter the type in the Public Record Type Other element.Credit ReportCreditCredit ReportingEnumerated:
  • Annulment:
  • Attachment:
  • Bankruptcy - Type Unknown:
  • Bankruptcy Chapter 11:
  • Bankruptcy Chapter 12:
  • Bankruptcy Chapter 13:
  • Bankruptcy Chapter 7:
  • Bankruptcy Chapter 7 - Involuntary:
  • Bankruptcy Chapter 7 - Voluntary:
  • Collection:
  • Custody Agreement:
  • Divorce Decree:
  • Ficticious Name:
  • Financial Counseling:
  • Financing Statement:
  • Forcible Detainer:
  • Foreclosure:
  • Garnishment:
  • Judgment:
  • Law Suit:
  • Lien:
  • Non-Responsibility:
  • Notice of Default:
  • Other:
  • Public Sale:
  • Real Estate Recording:
  • Repossession:
  • Support Debt:
  • Tax Lien - City:
  • Tax Lien - County:
  • Tax Lien - Federal:
  • Tax Lien - Other:
  • Tax Lien - State:
  • Trusteeship:
  • Unknown:
  • Unlawful Detainer:
Credit Report Comment TextAny type of additional comment or remark about the credit report, that is included by the credit bureau.Credit ReportCreditCredit ReportingString
Credit Report Consumer Comment TextThis is a consumer (borrower) comment reported by the credit bureau. There is also a Credit File Consumer Comment element, which is reported by the credit data repository.Credit ReportCreditCredit ReportingString
Credit Report Error MessageThis is an error message related to the overall credit report. There is also a Credit File Error Message, that is related to a specific credit file that is part of a full credit report.Credit ReportCreditCredit ReportingString
Credit Report First Issued DateDate and time the referenced credit report was first issued.Credit ReportCreditCredit ReportingDate/Time
Credit Report IdentifierA reference number assigned by the credit bureau to a specific credit report. This report number is also referenced when a Reissue, Upgrade, or StatusQuery of an existing report is requested.Credit ReportCreditCredit ReportingString
Credit Report Last Updated DateThe date and time that the referenced credit report was last updated or revised.Credit ReportCreditCredit ReportingDate/Time
Credit Report Merge Type IndicatorThis element indicates how duplicate data from multiple sources is handled on a credit report.Credit Report, Service RequestCreditCredit ReportingEnumerated:
  • Blend: A record is formed by blending data from a group of duplicates.
  • List and Stack: A Merged data record is followed by the individual duplicate Repository records.
  • Pick and Choose: A record is picked from a list of duplicates.
Credit Report Price AmountThe price of the credit report produced on the borrower(s).Credit ReportCreditCredit ReportingMoney
Credit Report Price TypeThis describes the type of the Credit Report Price (Net, Tax, Total or Other)Credit ReportCreditCredit ReportingEnumerated:
  • Net: Total price not including tax
  • Other: Other price type - List description in Price Type Other
  • Tax: Amount of local or state tax, if any
  • Total: Total price including tax
Credit Report Reference IdentifierThe reference number associated with a credit report. If previously retrieved, the reference number of the previously retrieved report.Credit BureauCreditCredit Reporting, UnderwritingString
Credit Report Request ActionSelect the type of service action being requested. If the service action refers to an existing report, specify which one in the Credit Report Reference Number element.Service RequestCreditCredit ReportingEnumerated:
  • Reissue: Resend existing report (specify)
  • Submit: Submit or add as a new request.
  • Update: Update data for an existing report (specify report #).
  • Upgrade: Upgrade an existing report (specify Report #) to type listed in Credit Report Type, or specify additional repository bureaus to be pulled.
Credit Report SummaryAny type of additional summary data that is provided by the credit bureauCredit ReportCreditCredit ReportingString
Credit Report TypeThe type of credit report that was requested or produced. Most common types are Merged report (data from credit data repositories is merged), and RMCR (Residential Mortgage Credit Report - contains verified liabilities, employment, etc.)Credit Report, Service RequestCredit, Service OrderingCredit ReportingEnumerated:
  • Merge: A merge report (also called merged infile) includes data on file from the selected credit data repositories.
  • Merge Plus: An enhanced version of the Merge product. Contact credit bureau for details.
  • Non-Traditional: Provides credit evaluation for borrowers with minimal credit history.
  • Other:
  • Risk Scores Only: Provides credit risk scores only.
  • RMCR: Residential Mortgage Credit Report is an enhanced credit product that contains verified information and/or additional investigation.
  • RMCR Foreign: RMCR with additional foreign investigation.
Credit Repository Bureaus Selected CountThis element stores the number of repository bureaus desired for a credit request. When a requestor uses this element, they are selecting the number of repositories to be pulled, not specific bureaus. The credit bureau would then choose which bureaus to be pulled based on a methodology agreed on with their customer (for example, zip code or customer preference). Credit RequestCreditCredit ReportingNumeric
Credit Repository Equifax IncludedThis element indicates whether Equifax is included in either the request or response.Credit ReportCreditCredit ReportingBoolean
Credit Repository Experian IncludedThis element indicates whether Experian is included in either the request or response.Credit ReportCreditCredit ReportingBoolean
Credit Repository Prentice Hall Included IndicatorThis element indicates whether Prentice Hall is included in either the request or response.Credit ReportCreditCredit ReportingBoolean
Credit Repository Trans Union Included IndicatorThis element indicates whether Trans Union is included in either the request or response.Credit ReportCreditCredit ReportingBoolean
Credit Request TypeThe Credit Request Type specifies either an Individual Report on one person, or a Joint Report on two married persons.Credit RequestCreditCredit ReportingEnumerated:
  • Individual: Credit Report on a single individual
  • Joint: A combined credit report on two married persons
Credit Score Data Repository Source TypeThis element describes the source of the information provided for this credit score - could be a single data repository (Equifax, Experian, Trans Union), or could be a merge of data from multiple sources.Credit ReportCreditCredit Reporting, UnderwritingEnumerated:
  • Equifax:
  • Experian:
  • Merged Data:
  • Other:
  • Trans Union:
Credit Score DateDate that the referenced credit score was produced.Credit BureauCreditCredit Reporting, UnderwritingDate/Time
Credit Score Exclusion Reason TypeAn enumerated list of reasons why a credit score could not be generated.Credit ReportCreditCredit ReportingEnumerated:
  • InvalidScoreRequest:
  • NotScoredCreditDataNotAvailable:
  • NotScoredFileIsUnderReview:
  • NotScoredFileTooLong:
  • NotScoredInsufficientCredit:
  • NotScoredNoQualifyingAccount:
  • NotScoredNoRecentAccountInformation:
  • NotScoredSubjectDeceased:
  • ScoringNotAvailable:
  • UnauthorizedScoreRequest:
Credit Score Factor DescriptionThe text remarks associated with a Credit Score FactorCredit ReportCreditCredit ReportingString
Credit Score Factor IdentifierFactors of the borrowers credit which give context to the referenced credit score. The factor is normally a numeric code. The Credit Score Factor Text contains the text for the factor code.Credit BureauCreditCredit Reporting, MI, UnderwritingString
Credit Score Model NameIdentifies the score algorithm model name used to produce the referenced credit risk score.Credit BureauCreditCredit Reporting, MI, UnderwritingEnumerated:
  • Equifax Beacon: Fair Isaac risk model forecasting delinquency within 24 months.
  • Equifax Beacon Auto: Fair Isaac risk model for auto finance loans.
  • Equifax Beacon Bankcard: Fair Isaac risk model for bank credit cards.
  • Equifax Beacon Installment: Fair Isaac risk model for installment loans.
  • Equifax Beacon Personal Finance: Fair Isaac risk model for personal finance loans.
  • Equifax DAS: Delinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy.
  • Equifax Enhanced Beacon: An updated Fair Isaac risk model forecasting the risk of delinquency within 24 months.
  • Equifax Enhanced DAS: Enhanced Delinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy.
  • Equifax MarketMax: Equifax predictive score for no-hit or thin files
  • Equifax Mortgage Score: A custom risk score model from Equifax specifically for assessing mortgage loan risk.
  • Equifax Pinnacle: Equifax risk score developed by Fair Isaac, that utilizes expanded segmentation to analyze degrees of delinquency history.
  • Experian Fair Isaac: Fair Isaac risk model forecasting risk of delinquency within 24 months.
  • Experian Fair Isaac Auto: Fair Isaac risk model for auto finance.
  • Experian Fair Isaac Bankcard: Fair Isaac risk model for bank credit cards.
  • Experian Fair Isaac Installment: Fair Isaac risk model for installment loans.
  • Experian Fair Isaac Personal Finance: Fair Isaac risk model for personal finance loans.
  • Experian MDS Bankruptcy II: MDS risk model that forecasts risk of consumer filing bankruptcy.
  • Experian New National Equivalency: Experian option for the National Risk Model that produces score ranges similar to Fair Isaac models.
  • Experian New National Risk: New version of Experians National Risk Model.
  • Experian Old National Risk: Original version of Experians National Risk Model.
  • Other: Used when Score Model Name is not in the enumerated list.
  • Trans Union Delphi: MDS risk model that forecasts risk of consumer filing bankruptcy.
  • Trans Union Empirica: Fair Isaac risk model forecasting risk of delinquency within 24 months.
  • Trans Union Empirica Auto: Fair Isaac risk model for auto finance loans.
  • Trans Union Empirica Bankcard: Fair Isaac risk model for bank credit cards.
  • Trans Union Empirica Installment: Fair Isaac risk model for installment loans.
  • Trans Union Empirica Personal Finance: Fair Isaac risk model for personal finance loans.
  • Trans Union New Delphi: Updated MDS risk model that forecasts risk of consumer filing bankruptcy.
Credit Score ValueNumeric credit score resulting from credit evaluation model.Credit BureauCreditCredit Reporting, MI, Secondary, UnderwritingNumeric
Current Employment IndicatorThis element is an indicator that tells whether the associated employment is current or not using an Y/N indicator.URLAEmploymentCredit Reporting, UnderwritingBoolean
Dependent CountThe number of dependents disclosed by the borrower. Collected on the URLA in Section III (Dependents No.).URLABorrowerCredit Reporting, UnderwritingNumeric
Dependents Ages Comma Separated ListThe ages of all dependents disclosed by the borrower. This is a comma separated list of ages. Collected on the URLA in Section III (Dependents Ages).URLABorrowerCredit Reporting, UnderwritingString
Employer Business Type DescriptionAn expanded description of the borrowers employment type of business. Collected on the URLA in Section IV (Type of Business).URLAEmploymentCredit Reporting, UnderwritingString
Employer Telephone NumberThe telephone number of the employer. Collected on the URLA in Section IV (Business Phone).URLAEmploymentCredit Reporting, UnderwritingString
Employment Borrower Self-Employment IndicatorIndicates that in the referenced employment the borrower is self-employed. Collected on the URLA in Section IV (Self Employed Check Box).URLAEmploymentCredit Reporting, MI, Secondary, UnderwritingBoolean
Employment End DateThe end date for the borrowers employment. Collected on the URLA in Section IV (Dated To). URLAEmploymentCredit Reporting, UnderwritingDate/Time
Employment Position DescriptionAn expanded description of the borrowers employment position. Collected on the URLA in Section IV.URLAEmploymentCredit Reporting, UnderwritingString
Employment Position TitleAn expanded description of the borrowers employment title. Collected on the URLA in Section IV (Title).URLAEmploymentCredit Reporting, UnderwritingString
Employment Start DateThe start date for the borrowers employment. Collected in lieu of Years On Job which is on the URLA in Section IV (Years on Job). Used to calculate the Years on Job.URLAEmploymentCredit Reporting, Secondary, UnderwritingDate/Time
Employment Time in Line of Work MonthsThe total number of months the borrower has been employed in their occupation. Collected on the URLA in Section IV (Years Employed In This Line of Work).URLAEmploymentCredit Reporting, Secondary, UnderwritingNumeric
Homeowner Past Three Years IndicatorBorrowers answer to the question: Have you had an ownership interest in a property in the last three years?. Collected on the URLA in Section VIII line m.URLADeclarationsCredit Reporting, UnderwritingBoolean
Income AmountThe dollar amount per month of the borrowers Income Type (e.g., job base salary). URLAIncomeCredit Reporting, MI, Secondary, UnderwritingMoney
Income Source TypeSpecifies the source of the borrowers indicated Income Type. Used for both current and prior employment.URLAIncomeCredit Reporting, UnderwritingEnumerated:
  • Primary:
  • Secondary:
Income Time TypeDescribes the time frame for the associated income type.(not specified)IncomeCredit Reporting, MI, Secondary, UnderwritingEnumerated:
  • Current: The amount per month of the borrowers current (vs. priorr or future) Income Type.
  • Prior: The amount per month of the borrowers previous (vs. current or future) Income Type.
Income TypeSpecifies the general names (types) of items commonly listed as income of the borrower in a mortgage loan transaction. Collected on the URLA in Section V (Gross Monthly Income)and Section VI (Schedule of Real Estate Owned). URLAIncomeCredit Reporting, MI, Secondary, UnderwritingEnumerated:
  • Alimony: Periodic amount paid under terms of divorce decree/agreement. Income if borrower receives. Collected on the URLA in Section V (Monthly Income - Other).
  • Base Income: For salaried positions, the monthly amount of salary (annual salary/12). For hourly positions, the income that would arise from 52 weeks of work at the usual and customary number of non-overtime hours per week / 12. Collected on the URLA in Section V (Monthly Income - Base).
  • Bonus Income: Income derived from optional compensation paid out by employer, linked to employers overall performance and/or individual performance. Collected on the URLA in Section V (Monthly Income - Bonuses).
  • Borrower Estimated Total Monthly Income: The borrower monthly income amount used by the lender to qualify the borrower for the loan.
  • Child Support: Periodic amount paid to provide for children after divorce or separation. Income if borrower receives. Collected on the URLA in Section V (Monthly Income - Other).
  • Commissions: borrower income that is based upon a percentage of the goods or services the borrower sells (e.g., gross Realtor commission = 6%) Collected on the URLA in Section V (Monthly Income - Commissions).
  • Dividends / Interest: Funds paid to owners of stocks or bonds by issuer of stock or bond. Collected on the URLA in Section V (Monthly Income - Dividends / Interest).
  • Other Types of Income: Used in conjunction with a textual description of other types of income. Collected on the URLA in Section V (Monthly Income - Other).
  • Overtime: Additional hourly compensation paid for work beyond the usual and customary work period. Collected on the URLA in Section V (Monthly Income - Overtime).
  • Pension: Periodic amount paid by employer to persons who have retired from employer after attaining necessary term of service and other attributes. Collected on the URLA in Section V (Monthly Income).
  • Proposed Gross Rent for Subject Property: The anticipated rent on the subject property if it is an investment property or if a 2-4 property where other units are rented.
  • Public Assistance Income: Amount paid to borrower by state or local public assistance program. Collected on the URLA in Section V (Monthly Income).
  • Real Estate Owned - Gross Rental Income : Periodic gross rents (before expenses) arising from a piece of real estate owned (or to be owned) by borrower. Collected on the URLA in Section VI (Schedule of Real Estate - Gross Rental Income).
  • Social Security: In the US, monthly amount paid to recipients of OASI (Old Age and Survivors Insurance) commonly known as Social Security. Collected on the URLA in Section V (Monthly Income).
  • Unemployment Compensation: Amount paid or payable to borrower from state or Federal unemployment insurance program.
  • VA Benefits (Non-educational): Dollar amount of VA Benefits excluding education benefits available to a veteran borrower. Collected on the URLA in Section V (Monthly Income).
  • Workers Compensation: Amount paid or payable to borrower from Workmers Compensation Insurance program, usually for injuries that prevent borrower from working. Collected on the URLA in Section V (Monthly Income).
Inquiring Party NameThe name of the party recording a credit inquiry with the credit data repository.Credit BureauCreditCredit ReportingString
Inquiry Result TypeThe result from a credit inquiry - did the lender offer credit, refuse credit, etc.Credit ReportCreditCredit ReportingEnumerated:
  • Account Closed: The account has been closed.
  • Application Pending: Application for credit has been made - no decision made.
  • Declined: The application for credit has been declined.
  • Did Not Inquire: No credit inquiry was made by the listed party.
  • No Open Account: There is no account open with the listed party.
  • Not a Lender: The listed party is not a lender.
  • Open Discovered: An account has been opened with the listed party.
  • Open, Account Number Not Issued: An account has been opened, but an account number has not been issued.
  • Open, Primary Account: An account has been opened.
  • Reporting Agency Inquiry: The listed inquiry was posted by a credit reporting agency.
  • Unknown: The inquiry result is unknown.
Internal Account IdentifierThe account number or identifier assigned by a service provider to a service requestor. The Internal Account Identifier is supplied with request transactions to allow the service provider to identify the billing account to be used.RequestsService OrderingService ordering, Credit Reporting, FloodString
Interviewers Telephone NumberThe telephone number of the interviewer who took the loan application. Collected on the URLA in Section X (Interviewers Phone Number).URLAParties to TransactionCredit Reporting, UnderwritingString
Key NameA generic placeholder to add key descriptions in transactions. (not specified)Service OrderService ordering, Credit Reporting, MIString
Key ValueA generic placeholder for a value to be associated with a key description for a transaction exchange.(not specified)Service OrderService ordering, Credit Reporting, MIString
Lender Case IdentifierNumber used by the Lender to identify a loan. Collected on the URLA in Section I (Lender Case Number).URLAApplicationCredit Reporting, Flood, MI, UnderwritingString
Lenders Contact Alternate Telephone NumberThe alternate telephone number of the lenders contact.LenderParties To TransactionCredit Reporting, UnderwritingString
Lenders Contact Fax NumberThe fax number of the lenders contact.LenderParties To TransactionCredit Reporting, Flood, MI, UnderwritingString
Lenders Contact Primary Telephone NumberThe primary telephone number of the lenders contact.LenderParties To TransactionCredit Reporting, Flood, MI, UnderwritingString
Liability Account IdentifierA unique identifier of a borrowers liability. Collected on the URLA in Section VI (Liabilities).URLALiabilityCredit Reporting, UnderwritingString
Liability Monthly Payment AmountThe dollar amount of the monthly payment required on borrowers Liability Type. Collected on the URLA in Section VI (Liabilities - Monthly Payment).URLALiabilityCredit Reporting, MI, UnderwritingMoney
Liability Payoff Status IndicatorIdentifies whether the liability will be paid at or before closing. Collected on the URLA in Section VI (Liabilities - Indicated By *).URLALiabilityCredit Reporting, UnderwritingBoolean
Liability Remaining Term MonthsThe number of months the borrower must make payments in order to satisfy the identified liability. Collected on the URLA in Section VI (Liabilities - Mos. Left to Pay).URLALiabilityCredit Reporting, UnderwritingNumeric
Liability TypeSpecifies the general names (types) of items commonly listed as liabilities of the borrower in a mortgage loan transaction. Collected on the URLA in Section VI (Liabilities).URLALiabilityCredit Reporting, MI, UnderwritingEnumerated:
  • Alimony: Periodic amount paid under terms of divorce decree/agreement. Collected on the URLA in Section VI (Liabilities).
  • Borrower Estimated Total Monthly Liability Payment: The borrower monthly liability amount used by the lender to qualify the borrower for the loan.
  • Child Care: Periodic costs of providing care for having the borrowers dependents. Collected on the URLA in Section VI (Liabilities - Job Related Expenses.)
  • Child Support: Periodic amount paid to provide for children after divorce or separation. Collected on the URLA in Section VI (Liabilities - Alimony).
  • Collections, Judgments, and Liens: Lien upon the property of a debtor resulting from a decree of the court.
  • Delinquent Taxes: Amount of local, state or federal taxes that are past due and not paid
  • Federal Tax: Amount of tax payable to the US Government.
  • Garnishments: A notice to an employer or other asset holder that monies, wages, or property of a debtor must be applied to a specific debt or creditor.
  • Home Equity Line of Credit (HELOC) REO Property: A mortgage loan, which is usually in a subordinate position, that allows the borrower to obtain multiple advances of the loan proceeds at his or her own discretion, up to an amount that represents a specified percentage of the borrowers equity in a REO property. Collected on the URLA in Section VI (Liabilities).
  • Home Equity Line of Credit (HELOC) Subject Property: A mortgage loan, which is usually in a subordinate position, that allows the borrower to obtain multiple advances of the loan proceeds at his or her own discretion, up to an amount that represents a specified percentage of the borrowers equity in the subject property. Collected on the URLA in Section VI (Liabilities).
  • Installment: Borrowed money repaid in several successive payments, usually at regular intervals, for a specific amount & a specified term. Collected on the URLA in Section VI (Liabilities).
  • Job Related Expenses: Ongoing obligations incurred by the borrower which are prerequisite to retaining employment (e.g., professional associations, special uniforms or tools, etc.) Collected on the URLA in Section VI (Liabilities - Job Related Expenses)
  • Lease Payments: Collected on the URLA in Section VI (Liabilities).
  • Local Tax: Tax levied on borrowers income by a local entity (e.g., city, county, but not state or US Government.)
  • Mortgage Loan on Real Estate Owned: A closed ended lien secured against an REO property that may be in a first or subordinate lien position. Collected on the URLA in Section VI (Liabilities).
  • Mortgage Loan on Subject Property: A closed ended lien secured against the subject property that may be in a first or subordinate lien position. Collected on the URLA in Section VI (Liabilities)
  • Open / 30 Day Charge Account: Collected on the URLA in Section VI (Liabilities).
  • Other Liability: Used in conjunction with a textual description of other types of liabilities.
  • Revolving: Open lines of credit, which are subject to variable payments in accordance with the balance. Credit cards are examples of revolving credit. Collected on the URLA in Section VI (Liabilities).
  • Separate Maintenance Expense: Periodic amount paid under terms of separation agreement. Collected on the URLA in Section VI (Liabilities - Alimony.)
  • Social Security Tax: The amount of FICA withheld from or owed on income earned by a borrower. Used for VA loans.
  • State Tax: Tax levied on borrowers income by a state (e.g., state of New York, but not city, county, or US Government.)
  • Union Dues: Union membership dues borrower incurs as a condition of remaining employment through union (e.g., a closed shop). Collected on the URLA in Section VI (Liabilities - Job Related Expenses.)
  • Unsecured Home Improvement Loan - Installment:
  • Unsecured Home Improvement Loan - Revolving:
Liability Unpaid Balance AmountThe dollar amount of the current outstanding balance on borrowers Liability Type. Collected on the URLA in Section VI (Liabilities - Unpaid Balance).URLALiabilityCredit Reporting, UnderwritingMoney
Loan Foreclosure Or Judgment IndicatorBorrowers answer to the question: Have you directly or indirectly been obligated on any loan that resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment? Collected on the URLA in Section VIII line eURLADeclarationsCredit Reporting, UnderwritingBoolean
Login Account IdentifierUser id used to authenticate requesting party to the vendor.(not specified)(not specified)Service ordering, Credit Reporting, FloodString
Login Account PasswordPassword used to authenticate requesting party to the vendor.(not specified)(not specified)Service ordering, Credit Reporting, FloodString
Marital Status TypeThe marital status of the borrower as disclosed by the borrower. Collected on the URLA in Section III (Marital Status Check Box).URLABorrowerService ordering, Credit Reporting, UnderwritingEnumerated:
  • Married:
  • Not Provided:
  • Separated:
  • Unknown:
  • Unmarried (Single, Divorced, Widowed):
Other Asset Type DescriptionA free-form text field used to capture additional information or a description of the borrowers asset when other is selected. Collected on the URLA in Section VI (Assets - Other Assets Itemize).URLAAssetCredit Reporting, UnderwritingString
Other Credit Loan Type DescriptionIf Credit Liability Loan Type was set to Other, then this element will contain a description of the loan type.Credit ReportCreditCredit ReportingString
Other Credit Report Type DescriptionWhen Report Type is set to Other, enter its description in this element.Credit ReportCreditCredit ReportingString
Other Credit Repository Included IndicatorThis element indicates whether another repository source is included in either the request or response.Credit ReportCreditCredit ReportingBoolean
Other Credit Score Model NameWhen the Credit Score Model Name Type is set to Other, this element holds the description.Credit ReportCreditCredit ReportingString
Other Income Type DescriptionA free-form text field used to capture a description of other income that the borrower is declaring on the loan application. Collected on the URLA in Section V (Gross Monthly Income - Other).URLAIncomeCredit Reporting, UnderwritingString
Other Price Type DescriptionWhen Other is specified in Price Type, this element contains its description.Credit ReportCreditCredit ReportingString
Other Public Record Dispostion Type DescriptionIf the Public Record Disposition is set to Other, enter the disposition in this element.Credit Report CreditCredit ReportingString
Other Public Record Type DescriptionIf the Public Record Type is set to Other, enter the type in this element.Credit ReportCreditCredit ReportingString
Other Request TypeAllows for a text desctiption (non-enumerated value) to describe the type of request being passed among business partners.(not specified)Service OrderService ordering, Credit ReportingString
Other Response Format Type DescriptionDescribes the Other format selected in the Response Format element.RequestCreditCredit ReportingString
Other Response Method Type DescriptionSpecify a delivery method not listed in the Response Method element.Service Request(not specified)Credit ReportingString
Outstanding Judgments IndicatorBorrowers answer to the question: Are there any outstanding judgments against you? Collected on the URLA in Section VIII line a.URLA DeclarationsCredit Reporting, UnderwritingBoolean
Party Address 1The unstructured street address of the referenced Party Type.URLAPartyCredit Reporting, Flood, UnderwritingString
Party Address 2The unit or suite number (if any) of the address of the referenced Party Type.URLAPartyCredit Reporting, Flood, UnderwritingString
Party CityThe city in which the referenced Party Type is located.URLAPartyCredit Reporting, Flood, UnderwritingString
Party CountryThe country in which the referenced Party Type is located if not the U.S.A. URLAPartyCredit Reporting, Flood, UnderwritingString
Party NameThe unstructured name of the individual or institution is referenced by the Party Type.URLAPartyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Party Postal CodeThe postal code (zip code in the US) of the individual or institution referenced by the Party Type. Zip code may be either 5 or 9 digits. URLAPartyCredit Reporting, Flood, UnderwritingString
Party StateThe state in which the individual or institution referenced by the Party Type is located.URLAPartyCredit Reporting, Flood, UnderwritingString
Party To Lawsuit IndicatorBorrowers answer to the question: Are you a party to a lawsuit? Collected on the URLA in Section VIII line d.URLA DeclarationsCredit Reporting, UnderwritingBoolean
Party TypeSpecifies the party to the transaction. The following information may be associated with each party: Name, Address (parsed and unparsed), and Contact Detail.(not specified)PartyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingEnumerated:
  • Appraiser: The appraiser who completed the final estimate of value for the subject property.
  • Asset Holder: The individual or institution holding the borrowers asset.
  • Broker Contact: A person who is designated as the brokers contact.
  • Credit Bureau: The credit reporting agency used for the original credit report ordered by the loan originator.
  • Credit Trade Reference: The party referenced in a credit report. Could be a creditor, inquiring party, court, attorney or plaintiff.
  • Employer: The borrowers employer.
  • Fulfillment Party: The ultimate party processing the service request if it differs from the receiving party. Often used when a service provider uses local vendors to fulfill services.
  • Interviewer: The person who took the loan application. Collected on the URLA in Section X (Interviewers Name).
  • Interviewers Employer: The individual or institution that employs the interviewer. Collected on the URLA in Section X (Name and Address of Interviewers Employer).
  • Lender: Person or entity that invests in or originates mortgage loans.
  • Lenders Authorized Representative: The person designated as the authorized representative employed by the lender.
  • Lenders Branch: Identifies the name or location of the lenders branch office.
  • Lenders Contact : The person employed by the lender that an individual could call with questions regarding the mortgage loan.
  • Lenders Information Contact: The person designated as the information contact employed by the lender.
  • Lenders Notification Contact: The person designated as the notification contact employed by the lender.
  • Lenders Underwriter: The person is the underwriter of the loan that is employed by the lender
  • Liability Holder: The individual or institution holding the borrowers liability.
  • Owning Bureau: The credit bureau that owns or manages the credit file being referenced.
  • Receiving Party: The business, person, or system that will receive the request group for further processing. The send to: addressee.
  • Requesting Party: The ultimate customer of a service or other request. Usually the person associated with the business that is ultimately billed for the transaction. The contact under this party is the person requesting the service or product.
  • Respond To Party: The person or organization that wants to receive copies of responses to the request.
  • Response From Party: The person or organization that prepared the response to the request.
  • Submitting Party: The individual or organization that is placing the request group on behalf of the requesting party.
Presently Delinquent IndicatorBorrowers answer to the question: Are you presently delinquent or in default on any Federal debt or any other loan mortgage, financial obligation, bond or loan guarantee? Collected on the URLA in Section VIII line f.URLA DeclarationsCredit Reporting, UnderwritingBoolean
Primary Employment IndicatorThis element is an indicator that tells whether the associated employment is the borrowers primary employment or not using a Y/N indicator.URLAEmploymentCredit Reporting, UnderwritingBoolean
Property Address 1The unstructured (Unparsed) street address of the property (e.g., 123 Main Street). URLASubject PropertyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Property Address 2The unit number (if any) of the address of the property. URLASubject PropertyService ordering, Credit Reporting, MI, Secondary, UnderwritingString
Property CityThe city in which the property is located. URLASubject PropertyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Property CountryThe country in which the property is located, if not in the U.S.A. URLASubject PropertyCredit Reporting, Secondary, UnderwritingString
Property Foreclosure Past Seven Years IndicatorBorrowers answer to the question: Have you had property foreclosed upon or given title or deed in lieu thereof in the last seven years? Collected on the URLA in Section VIII line c.URLA DeclarationsCredit Reporting, UnderwritingBoolean
Property Postal CodeThe postal code (zip code in the US) of the property. Zip code may be either 5 or 9 digits. URLASubject PropertyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Property REO IndicatorIndicates that a borrower currently owns the property. LenderPropertyCredit Reporting, MI, Secondary, UnderwritingBoolean
Property StateThe state in which the property is located. URLASubject PropertyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Property Subject IndicatorIndicates that the property is the subject of the financing.LenderPropertyCredit Reporting, MI, Secondary, UnderwritingBoolean
Request DateTimeA system generated datetime stamp enclosed within each request to identify the initiation time of the request.(not specified)Service OrderService ordering, Credit Reporting, FloodDate/Time
Request Other Action DescriptionThe action requested by the customer to be taken by the fulfillment party for a generic request.(not specified)(not specified)Service ordering, Credit ReportingString
Request TypeDescribes the type of request within a request group (i.e. related to the specific service referenced in the request).(not specified)Service OrderService ordering, Credit Reporting, FloodEnumerated:
  • Credit: Credit Report
  • Escrow: Credit Report
  • Flood: Flood Data Service
  • OtherRequest: Other Request Type
  • Tax: Tax Services
  • Title: Title Services
  • Valuation: Property Valuation/Appraisal
Residence Address 1The unstructured street address at which the borrowers residence is located. Collected on the URLA in Section III (Present Address).URLABorrowerCredit Reporting, MI, Secondary, UnderwritingString
Residence Address 2The unit number (if any) of the address of the borrowers residence. Collected on the URLA in Section III (Present Address).URLABorrowerCredit Reporting, MI, UnderwritingString
Residence Apartment Or UnitThe apartment or unit number (if any) of the address of the borrowers residence. Collected on the URLA in Section III (Present Address).URLABorrowerService ordering, Credit Reporting, Flood, MI, UnderwritingString
Residence CityThe name of the city in which the borrowers residence is located. Collected on the URLA in Section III (Present Address).URLABorrowerCredit Reporting, MI, Secondary, UnderwritingString
Residence CountryThe name of the country in which the borrowers residence is located if not in USA.URLABorrowerCredit Reporting, MI, UnderwritingString
Residence Direction PrefixThe Direction Prefix address component of the borrowers residence. (N, S, E, W, NW, SW, NE, SE).URLABorrowerService ordering, Credit Reporting, FloodString
Residence Direction SuffixThe direction suffix address component of the borrowers residence.URLABorrowerService ordering, Credit Reporting, FloodString
Residence House NumberThe house number or building number address component of the borrowers residence.URLABorrowerService ordering, Credit Reporting, FloodString
Residence Military APO FPOThe military APO or FPO address component of the borrowers residence.URLABorrowerService ordering, Credit ReportingString
Residence Post Office BoxThe post office box address component of the borrowers residence. For a borrower residence, it is normally part of a rural route address.URLABorrowerService ordering, Credit ReportingString
Residence Postal CodeThe postal code (zip code in the US) of the address of borrowers residence. Zip code may be either 5 or 9 digits. Collected on the URLA in Section III (Present Address).URLABorrowerCredit Reporting, MI, Secondary, UnderwritingString
Residence Rural RouteThe rural route address component of the borrowers residence. Sometimes combined with a Post Office Box.URLABorrowerService ordering, Credit ReportingString
Residence StateThe name of the state in which the borrowers residence is located. Collected on the URLA in Section III (Present Address).URLABorrowerCredit Reporting, Flood, MI, Secondary, UnderwritingString
Residence Street NameThe street name address component of the borrowers residence.URLABorrowerService ordering, Credit Reporting, FloodString
Residence Street SuffixThe street suffix address component of the borrowers residence. (ST, AV, BV, CT, PL, etc. - use USPS approved abbreviations).URLABorrowerService ordering, Credit Reporting, FloodString
Residency Basis TypeThe basis on which borrower lives/lived at the indicated address. Could be either current or prior address. Collected on the URLA in Section III (Present Address or Former Address).URLABorrowerCredit Reporting, UnderwritingEnumerated:
  • Living Rent Free: Borrower lives/lived at indicated address without paying rent (e.g., parents home).
  • Own: Borrower lives/lived at indicated address as an owner.
  • Rent: Borrower lives/lived in rented dwelling at indicated address
  • Unknown: Basis on which borrower lived at indicated address is not known.
Residency Duration YearsThe number of years the borrower resided at the indicated address. Could be either current or prior address. Collected on the URLA in Section III (Present Address or Former Address).URLABorrowerCredit Reporting, MI, Secondary, UnderwritingNumeric
Response DateTimeA system generated datetime stamp enclosed within each response to identify the initiation time of the response.(not specified)(not specified)Service ordering, Credit Reporting, FloodDate/Time
Response DestinationSupply the name appropriate for the Response Method selected. For example, for Email give an email address, for Fax give a telephone number. (See enumerated list in Response Method).(not specified)Service OrderCredit Reporting, Flood, MIString
Response Format TypeDesignate the response format type for the service or product being requested. The format options are Text, PCL, PDF, XML or Other. If Other is selected, enter the format in Response Format Other.Service RequestCreditCredit Reporting, MIEnumerated:
  • Other: Enter description in Response Format Other.
  • PCL: A report formated with graphic PCL (Print Control Language) commands.
  • PDF: A formatted text report in the Adobe PDF (Portable Document Format).
  • Text: A formatted text report.
  • XML: XML format.
Response Method TypeSpecifies the method for delivering the credit report - Email, Fax, File, FTP, HTTP, etc. The destination information is listed in the Response Destination element.RequestCreditCredit Reporting, MIEnumerated:
  • Fax: Supply a telephone number
  • File: Supply a path and file name
  • FTP: Supply a URL
  • HTTP: Supply a URL
  • HTTPS: Supply a secure URL.
  • Mail: Supply a mailing address
  • Message Queue: Supply a queue name
  • Other: Specify in Delivery Method Other element
  • SMTP: Supply an email address.
  • VAN: Supply a mailbox ID
Self Employed Business Ownership PercentThe percent of ownership a borrower has in a business in which the borrower is self-employed.BorrowerAssetCredit Reporting, UnderwritingNumeric(8,7)
Status CodeCode values exchanged between business partners relating to the condition of a status message. (not specified)(not specified)Service ordering, Credit Reporting, FloodString
Status ConditionDescribes the severity of a status message.(not specified)(not specified)Service ordering, Credit Reporting, FloodString
Status DescriptionText describing specific details of a status message.(not specified)(not specified)Service ordering, Credit Reporting, FloodString
Status NameBusiness name for the value shown in the Status Code data element.(not specified)(not specified)Service ordering, Credit Reporting, FloodString
Stock/Bond/Mutual Fund NameThe unstructured name of the entity issuing stocks or bonds that the borrower has disclosed as an asset. Collected on the URLA in Section VI Assets (Stocks & Bonds).URLAAssetCredit Reporting, UnderwritingString
Stock/Bond/Mutual Fund Share CountThe number of shares associated with the stocks or bonds that the borrower has disclosed (named) as an asset. Collected on the URLA in Section VI Assets (Stocks & Bonds).URLAAssetCredit Reporting, UnderwritingNumeric
Verification CommentAny remarks by the person specified in the Verification By Name about the data in the record.(not specified)VerificationCredit ReportingString
Verification Status TypeThis attribute indicates the status of the verification - verified, not verified, or to be verified.(not specified)VerificationCredit Reporting, Flood, UnderwritingEnumerated:
  • Not Verified:
  • To Be Verified:
  • Verified:
Verification TypeSpecifies the type of record that is verified.(not specified)VerificationCredit Reporting, Flood, UnderwritingEnumerated:
  • Asset:
  • Credit Inquiry:
  • Employment:
  • Liability:
  • Other:
  • Public Record:
  • Standardized Address: USPS address for a particular property
Verified By NameThe name or initials of the person who verified information in the record.(not specified)VerificationCredit ReportingString
Verified DateThe date that the information in the record was verified.(not specified)VerificationCredit ReportingDate/Time