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Metro 2 Contact Description Codes



Metro Contact Description Codes

These tables are for your convenience.

Metro Description Code Metro 2 Name Position in File Values Descriptions
TT Transaction Type 231
1 Newly Opened Account
2 Name Change
3 Address Change
5 SSN Change
6 Name and Address Change
8 Name and SSN Change
9 Address and SSN Change
A Name, Address and/or SSN Change
Blank No change

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
UI Update Indicator 20
0 Normal Update
1 Correction

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
SC Special Comment 151-152
@ None Specified
– Removes Any Previously Reported Comment Code
B Payments Managed by Credit Counseling Service
C Paid by Co-Maker
M Account Closed at Credit Grantor’s Request
O Account Transfered to Another Lender
S Special Handling
V Adjustment Pending
AB Debt Being Paid Through Insurance
AC Paying Under a Partial Payment Agreement
AH Purchased by Another Lender
AI Recalled to Active Military Duty
AJ Payroll Deduction
AM Account Payment Assured by Wage Garnishment
AN Account Acquired by RTC/FDIC
AP Credit Line Suspended
AR Contingent Liability
AS Account Closed Due to Refinance
AT Account Closed Due to Transfer
AU Account Paid in Full for Less than the Full Balance
AV First Payment Never Received
AW Affected by Natural Disaster
BA Transferred to Recovery
BL Credit Card Lost or Stolen
BP Paid through Insurance
BZ Judgment Granted
CS For Use by Child Support Angencies Only

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
RI Reporting Industry
@ None Specified
0 Check Credit
 1 Collection Agency
2 Credit Card
3 Credit Union
4 Debt Counselor
5 Educational
6 Family Support
7 Government Agency
8 Installment Loan
9 Loan Finance
A Mortgage Loan
B Retail
C Sales Finance
D Savings And Loans
E Service And Professionals

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
AS Account Status 124-125
5 Account transferred to another office
11 Current account
13 Paid in full
61 Paid in full; voluntary surrender
62 Paid in full; collection account or claim
63 Paid in full; was a repossession
64 Paid in full; was a charge off
65 Paid in full; a foreclosure was started
71 30 days
78 60 days
80 90 days
82 120 days
83 150 days
84 180 days
88 Filed with govt. for insured portion on balance on defaulted loan
89 Deed received in lieu of foreclosure on a defaulted mortgage
93 Seriously past due and/or assigned to collections
94 Foreclosure/ credit grantor sold collateral to settle mortgage
95 Voluntary surrender
96 Merchandise taken back by grantor; may be a balance due
97 Unpaid balance reported as a loss by credit grantor
DA Delete entire account from credit bureau
DF Delete entire account due to confirmed fraud (fraud investigation completed)

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
AT Account Type 74-75
Choices change depending on Industry
Please refer to Metro2 Manual for details

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
CC Country Code 328-329
Standard two-character abbreviation

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
AC Association Code 325
@ None Specified
1 Individual
2 Joint Contractual Liability
7 Maker
T Association with account is terminated
W Business/Commercial Non-Consumer account
X Consumer is deceased
Z Delete Borrower (Inaccurately reported consumers only)

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
CS Cosigner Y Report Cosigner YES
N Report Cosigner NO

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
SG Cosigner Segment 2 Not used

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
PT Portfolio Type 73
C Line of credit
I Installment
M Mortgage
O Open Account
R Revolving

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
CO Compliance Code 153-154
@ None Specified
XA Account closed at consumer’s request
XB Account information disputed by consumer
XC Completed investigation of FCRA
XD Closed at consumer’s request & in dispute under FCRA
XE Closed at cons request, dispute completed, consumer disagrees.
XF Account in dispute under Fair Credit Billing Act
XG FCBA Dispute resolved – consumer disagrees
XH Previously in dispute – now resolved, reported by credit grantor
XR Removes the most recently reported Compliance Condition Code.

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
PR Payment Rating 126
0 Current account (0 -29 days past due)
1 30-59 days past due
2 60-89 days past due
3 90-119 days past due
4 120-149 days past due
5 150-179 days past due
6 180 or more days past due
G Collection
L Charge-off

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
CI Information Indicator 326-327
@ None Specified
A Petition for Ch. 7 Bankruptcy
B Petition for Ch. 11 Bankruptcy
C Petition for Ch. 12 Bankruptcy
D Petition for Ch. 13 Bankruptcy
E Discharged Through Bankruptcy CH. 7
F Discharged Through Bankruptcy CH. 11
G Discharged Through Bankruptcy CH. 12
H Discharged Through Bankruptcy CH. 13
I Ch. 7 Bankruptcy Dismissed
J Ch. 11 Bankruptcy Dismissed
K Ch. 12 Bankruptcy Dismissed
L Ch. 13 Bankruptcy Dismissed
M Ch. 7 Bankruptcy Withdrawn
N Ch. 11 Bankruptcy Withdrawn
O Ch. 12 Bankruptcy Withdrawn
P Ch. 13 Bankruptcy Withdrawn
Q Remove previously reported indicator
R Reaffirmation of debt
S Remove previous reaffirmation of debt
T Credit grantor cannot locate consumer
U Consumer now located

 

Metro Description Code Metro 2 Name Position in File Values Descriptions
FN File Number 43-72 Debtor File Number or Client Acct. #

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