Glossary of Account Conditions and Payment Status Version 8 — Alpha Glossary Glossary of Account Conditions and Payment Status

Glossary

Glossary of account conditions and payment status Version 8 — Alpha Glossary Glossary of account conditions and payment status

This glossary is for interpreting data on the Credit Profile Report from Experian. For information on how to report data, please refer to the Credit Reporting Resource Guide (CRRG) developed by the Consumer Data Industry Association.

Account conditions

Account Account Code Explanation Code Explanation condition condition BK7PET A Petitioned for Chapter 7 Bankruptcy CHARGOFF 97* Unpaid balance reported as a loss BK11PET B Petitioned for Chapter 11 Bankruptcy CLOSED A3* Closed account BK12PET C Petitioned for Chapter 12 Bankruptcy COLLACCT 93* Account seriously past due/ BK13PET D Petitioned for Chapter 13 Bankruptcy account assigned to attorney, collection agency or credit grantor’s BK7DISC E Discharged through internal collection department Chapter 7 Bankruptcy CRCDLOST 03 Credit card lost or stolen BK11DISC F Discharged through Chapter 11 Bankruptcy DECEASED 21* Consumer reported as deceased BK12DISC G Discharged through DEEDLIEU 89* Credit grantor received deed for Chapter 12 Bankruptcy collateral in lieu of foreclosure on a defaulted mortgage BK13DISC H Discharged through Chapter 13 Bankruptcy FORECLOS 94* Credit grantor reclaimed collateral to settle defaulted mortgage BK7DISM I Dismissed Chapter 7 Bankruptcy FOREPROC 87* Foreclosure proceeding started BK11DISM J Dismissed Chapter 11 Bankruptcy GOVCLAIM 88* Claim filed with government for insured BK12DISM K Dismissed Chapter 12 Bankruptcy portion of balance on loan BK13DISM L Dismissed Chapter 13 Bankruptcy INACTIVE A4 Inactive account BK7W/D M Withdrawn Chapter 7 Bankruptcy INSCLAIM 92* Claim filed for insured portion BK11W/D N Withdrawn Chapter 11 Bankruptcy of the balance BK12W/D O Withdrawn Chapter 12 Bankruptcy OPEN A1 Open account BK13W/D P Withdrawn Chapter 13 Bankruptcy PAID A2 Paid account/zero balance BKREAFF R Reaffirmation of debt PDBYDLER 66* Credit grantor paid by the company that BK7RESC V Reaffirmation of debt rescinded Chapter originally sold the merchandise 7 Bankruptcy REFINANC 10 Account renewed or refinanced BK11RESC W Reaffirmation of debt rescinded Chapter REPOSSES 96* Merchandise was taken back by credit 11 Bankruptcy grantor/there may be a balance due BK12RESC X Reaffirmation of debt rescinded Chapter SCNL 98* Credit grantor cannot locate consumer 12 Bankruptcy SCNL LOC 85 Consumer now located/was credit BK13RESC Y Reaffirmation of debt rescinded Chapter grantor could not locate consumer 13 Bankruptcy SETTLED 68 Account legally paid in full for less than BKADJPLN 69* Debt included in or discharged through the full balance Chapter 13 Bankruptcy TRANSFER 05 Account transferred to another office BKLIQREO 67* Debt included in or discharged through TRMDFALT 91* Early termination by default of original Chapter 7, 11 or 12 Bankruptcy terms of lease or sales contract VOLUSURR 95* Voluntary surrender

*An asterisk indicates there may be a need for further review.

Glossary | Page 1 Glossary Glossary of account conditions and payment status

Payment status

Payment Payment Code Explanation Code Explanation status status 30 DAY DEL 71* Account 30 days past due date CUR WAS 60 37* Current account/Was 60 days past 30 2 TIMES 72* Account 30 days past due date two times due date 30 3 TIMES 73* Account 30 days past due date CUR WAS 07* Current account/Was 60 days past due three times 60-2 date two times 30 4 TIMES 74* Account 30 days past due date CUR WAS 08* Current account/Was 60 days past due four times 60-3 date three times 30 5 TIMES 75* Account 30 days past due date five times CUR WAS 09* Current account/Was 60 days past due 60-4+ date 4 or more times 30 6+ TIMES 76* Account 30 days past due date six or more times CUR WAS 90 38* Current account/Was 90 days past due date 30 WAS 60 77* Account 30 days past due date/Was 60 days past due date CUR WAS 14* Current account/Was 90 days past due 90-2 date two times 60 2 TIMES 22* Account 60 days past due date two times CUR WAS 15* Current account/Was 90 days past due 90-3+ date three or more times 60 3 TIMES 23* Account 60 days past due date CUR WAS 120 39* Current account/Was 120 days past three times due date 60 4+ TIMES 24* Account 60 days past due date four or CUR WAS 16* Current account/Was 120 days past due more times 120-2+ date two or more times 90 2 TIMES 25* Account 90 days past due date two times CUR WAS 150 40* Current account/Was 150 days past 90 3+ TIMES 26* Account 90 days past due date three or due date more times CUR WAS 17* Current account/Was 150 days past due 90 WAS 120+ 29* Account 90 days past due date/Was 120 150-2+ date two or more times days or more past due date CUR WAS 180 41* Current account/Was 180 days past 120 2+ TIMES 27* Account 120 days past due date two or due date more times CUR WAS 43* Current account/Was a collection 150 2+ TIMES 28* Account 150 days past due date two or COLL account, insurance claim, government more times claim or terminated for default COFF NOW 86* Now paying/Was a charge-off CUR WAS 45* Current account/Foreclosure PAY FORE was started CURR ACCT 11 Account in good standing DELINQ 60 78* Account 60 days past due date CUR WAS 30 31* Current account/Was 30 days past due DELINQ 90 A 80* ccount 90 days past due date date DELINQ 120 82* Account 120 days past due date CUR WAS 32* Current account/Was 30 days past due DELINQ 150 83* Account 150 days past due date 30-2 date two times DELINQ 180 84* Account 180 days past due date CUR WAS 33* Current account/Was 30 days past due 30-3 date three times DEL WAS 90 79* Account 30 or 60 days past due date/ Was 90 days past due date CUR WAS 34* Current account/Was 30 days past due 30-4 date four times DEL WAS 81* Account 30 or 60 days past due date/ 120+ Was 120 days or more past due date CUR WAS 35* Current account/Was 30 days past due 30-5 date five times NO STATUS 00 No status CUR WAS 36* Current account/Was 30 days past due REDEEMD 42* Account now redeemed/ 30-6+ date 6 or more times REPO Was a repossession

*An asterisk indicates there may be a need for further review.

Page 2 | Glossary Glossary Glossary of account conditions and payment status

Display 25-month payment history This is a sample of how trades display: C = Current

Account condition 1 = 30 days past due date and payment status OPEN CUR WAS 30 2 = 60 days past due date Account condition only COLL ACCT 3 = 90 days past due date Two account conditions PAID COLL ACCT 4 = 120 days past due date

5 = 150 days past due date Delinquency counters 30/60/90 +/DEROG 6 = 180 days or more past due date

30 = Number of times 30 days delinquent 7 = 69, D, H, Y

60 = Number of times 60 days delinquent 8 = 42, 87, 89, 94, 95, 96

90 = Number of times 90+ days delinquent 9 = 66, 67, 68, 86, 88, 91, 92, 93, 97, A, B, C, E, F, G, V, W, X

DEROG = # of times derogatory 0 = Current with zero balance reported on tape (greater than 180 days delinquent) – = No history reported that month

B = Account condition change/Payment code is not Payment amount types applicable A = Actual G = Collection

S = Scheduled H = Foreclosure

J = Voluntary surrender

K = Repossession

L = Charge-off

Glossary | Page 3 Glossary Glossary of account conditions and payment status

Purpose type of account

Short Type Short Type Explanation Explanation name code name code AGR 7B Agriculture FHA 05 FHA home improvement loan AUL 3A Auto lease FMH 2C Real-estate mortgage, Farmers Home AUT 00 Auto loan Administration (FMHA) ATY 95 Attorney fees FSC 0G Flexible spending credit card BCC 8A Business credit card G/F 71 Government fine BMP 85 Bimonthly mortgage payment G/G 69 Government grant BPG 9B Business line — personally guaranteed GEA 73 Government employee advance BUS 10 Commercial transaction with personal GFS 72 Government fee for service liability, guarantee or written instruction GMD 74 Government miscellaneous debt C/C 15 Check, credit or line of credit GOP 70 Government overpayment C/G 98 Credit granting H + O 23 Secured by household goods/ C/M 6B Commercial mortgage other collateral C/S 93 Child support H/E 89 Home equity line of credit CCP 37 Combined credit plan HEI 6D Home equity CEL 4D Telecommunications/cellular H/I 04 Home improvement loan CGA 6C Credit granting — possible HHG 22 Secured by household goods additional offers I/L 78 Installment loan CHG 07 Revolving charge account ISC 06 Installment sales contract CIL 6A Commercial installment loan LBP 1B Legitimate business purpose CKG 96 Checking account LEA 13 Lease CLC 7A Commercial line of credit LPI 1A Lender placed insurance CLS 47 Credit line secured LIC 3C Licensing COL 48 Collection department/agency/attorney M/H 17 Manufactured home CON 91 Debt consolidation MED 90 Medical debt COS 14 Cosigner MRI 86 Automated mortgage reporting CRC 18 Credit card NCS 21 Note loan with cosigner CSA 5C Checking or savings — possible NTE 20 Note loan additional offers P/S 03 Partially secured loan CSL 0F Construction loan PHG 1C Purchase of household goods D/C 43 Debit card PPI 83 Prescreen/extract DCS 34 Debt counseling service postprescreen inquiry DEP 8B Deposit related R/C 26 Conventional real-estate mortgage, EDU 12 Educational loan including purchase money and first mortgage F/C 16 FHA cosigner R/E 08 Real estate, specific type unknown F/S 50 Family support R/F 19 FHA real-estate mortgage FCO 0C Factoring company

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Purpose type of account

Short Type Short Type Explanation Explanation name code name code R/O 27 Real-estate mortgage — SDL 68 Government-secured direct loan with/without other collateral, SEC 02 Secured loan usually a second mortgage SGL 66 Government-secured guaranteed loan R/S 5B Second mortgage SHI 9A Secured home improvement R/V 25 VA real-estate mortgage SMP 87 Semimonthly mortgage payment RCK 77 Returned check SUM 30 Summary of accounts with same status REC 11 Recreational merchandise loan TSL 0A Time-share loan REN 29 Rental agreement TXC 4F Tax collection RES 5A Real estate — junior liens/nonpurchase money first UDL 67 Government-unsecured direct loan S/S 94 Spouse support UGL 65 Government-unsecured guaranteed loan SAA 7C Service activation — possible UNK U 31 Unknown — extension of credit, review additional offers or collection SCC 2A Secured credit card UNS 01 Unsecured loan SC0 09 Loan secured by cosigner UTI 92 Utility company

Public record glossary

Account Account Explanation Explanation conditions conditions BK 7-PETIT Petition Chapter 7 Bankruptcy (liquidation) CH SUP JUDG Child support delinquency judgment BK 7-DISCHG Discharged Chapter 7 Bankruptcy (liquidation) CH SUP SATIS Child support delinquency judgment satisfied BK 7-DISMIS Dismissed Chapter 7 Bankruptcy (liquidation) CIV CL JUDG Civil claim judgment BK 11-PETIT Petition Chapter 11 Bankruptcy (reorganization) CIV CL SATIS Civil claim judgment satisfied BK 11-DISCHG Discharged Chapter 11 Bankruptcy CIV CL VACAT Civil claim judgment vacated either before or (reorganization) after it has been satisfied BK 11-DISMIS Dismissed Chapter 11 FED TAX LIEN Federal tax lien BK 12-PETIT Petition Chapter 12 Bankruptcy FED TAX REL Federal tax lien released (adjustment of debt — family farmer) SM CL Small claims judgment BK 12-DISCHG Discharged after completion Chapter 12 JUDGMT Bankruptcy (adjustment of debt — SM CL SATIS Small claims judgment satisfied family farmer) SM CL VACAT Small claims judgment vacated either before or BK 12-DISMIS Dismissed Chapter 12 Bankruptcy after it has been satisfied (adjustment of debt — family farmer) STATE TX LN State tax lien BK 13-PETIT Petition Chapter 13 Bankruptcy (adjustment of debt) STATE TX REL State tax lien released BK 13-DISCHG Discharged/completed Chapter 13 Bankruptcy SUIT DISMISS Suit dismissed or discontinued (adjustment of debt) SUIT FILED Suit filed BK 13-DISMIS Dismissed Chapter 13 Bankruptcy (adjustment of debt)

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ECOA codes with definitions

Association with account currently active Association with account currently active Association terminated as of date reported Association terminated as of date reported X Deceased: This individual has been reported 4 D Joint account: This individual participates as deceased. There may or may not be other in this account. The association cannot people associated with this account. be distinguished between joint account — 0 A Undesignated: Reported by Experian only. contractual responsibility or authorized user. 1 H Individual: This individual has contractual 5 E Cosigner: This individual has guaranteed this responsibility for this account and is account and assumes responsibility should primarily responsible for its payment. signer default. This code is to be used only in Termination code H is to be used only in conjunction with code 7 signer. cases of mortgage loans being assumed 6 F On behalf of: This individual has signed an by others. application for the purpose of securing credit 2 B Joint account — contractual responsibility: for another individual, other than spouse. This individual is expressly obligated to 7 G Signer: This individual is responsible for this repay all debts arising on this account by account, which is guaranteed by a cosigner. reason of having signed an agreement to This code is to be used in lieu of codes 2 and that effect. There are other people associated 3 when there is a code 5 cosigner. with thisaccount who may or may not have W I W I Business/commercial: This association contractual responsibility. code is used to identify that the company 3 C Authorized user: This individual is an reported in the name field is associated authorized user of this account; another with the account. individual has contractual responsibility.

Kind of business codes

Code Explanation Code Explanation Code Explanation AB Auto rental BO Co-op bank FA Auto financing companies AC Auto leasing BS Savings bank FB Mortgage brokers AF Farm implement dealers CG General clothing store FC Credit unions AL Truck dealers CS Specialty clothing store FD Bail bonds AN Automobile dealers, new CZ Misc. — clothing store FF Sales financing companies AP Automotive parts DC Complete department stores FI Investment firms AR Auto repair, body shops DV Variety stores FL Savings and loans — mortgage AS Service stations DZ Misc. — department and FM Mortgage companies AT TBA stores, tire dealers variety stores FP Personal loan companies AU Automobile dealers, used EB Business education FR Mortgage reporters AZ Misc. — automotive EC Colleges FS Savings and loan companies BB Misc. — all banks EL Student loans FT Investment securities BC Bank credit cards ET Technical education FU Bulk purchase finance BI Bank — installment loans EU Universities FW Bulk purchase finance — general BM Bank — mortgage department EV Vocational and trade schools FY Misc. — loan broker BN Industrial bank EZ Misc. — education FZ Misc. — finance companies

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Kind of business codes (continued)

Code Explanation Code Explanation Code Explanation GD Dairies MO Osteopaths RD Mobile home dealers GN Neighborhood grocers MP Pharmacies and drugstores RE Real-estate sales and rentals GS Supermarkets MS Optometrists and optical outlets RH Hotels GZ Misc. — groceries MV Veterinarians RM Motels HA Appliance sales and service MZ Misc. — medical and related RP Mobile home park HC Carpets and floor coverings health nonspecific RR Property and property HD Interior decorators/designers NA Airlines management company HF Home furnishing stores ND Credit card — department store RZ Misc. — real-estate/public accomodations HM Music and record stores NF Credit card — finance company SA Aircraft sales and service HR Furniture rentals NS Credit card — savings and loan NU Credit card — credit union SB Boats and marinas sales and HT TV and radio sales and service service HZ Misc. — home furnishings NZ Misc. — National credit card/ airlines SM Motorcycles and bicycles sales IG General insurance and service OC Oil company credit cards IL Life insurance SZ Misc. — sporting goods OZ Misc. — oil companies IZ Misc. — insurance TC Farm chemicals and fertilizer PA Accountants and stores JA Jewelers related services TF Feed and feed stores JP Computer sales and service PB Barber and beauty shops TN Nursery and landscaping JV Videotape rental and sales PC Equipment leasing TZ Misc. — farm and garden JZ Misc. — jewelry/cameras PD Dry cleaning/laundry/related and computers supplies/services PE Engineering/all kinds KG General contractors UA Water utilities/Bottled water PF Florists KI Home improvement contractor UC Cable TV providers PG Photographers KS Subcontractors UD Garbage and rubbish disposal PH Health and fitness clubs KZ Mis.c — contractors UE Electric light and PI Detective service power company LA Air condition/Heat/Plumbing/ electrical sales PL Legal and related services UF Fuel oil distributors LF Fixture and cabinet suppliers PM Check-cashing services UG Gas company, natural and bottled LH Hardware stores PN Restaurants/concessions UH Coal and wood suppliers LP Paint, glass, wallpaper store PO Personal online UL Long-distance phone company LY Lumber yards PP Pest control UO Online/Internet services LZ Misc. — lumber/building PR Country clubs material/hardware PS Employment screening UP Cellular and paging services MA Animal hospitals PT Consumer credit counseling svc. UR Waste recycling/Handlers MB Dentists PW Debt settlement company US Satellite TV/Direct broadcast providers MC Chiropractors PX Pre-Qual services non-internet UT Local telephone service provider MD Doctors PY Internet pre-qual services UV Home security company MF Funeral homes PZ Misc. — personal service (nonmedical) UW Wireless telephone MG Medical group service provider QZ Misc. — mail-order houses MH Hospitals and clinics UZ Misc. — utilities and fuel RA Apartments MM Cemeteries VC City and county RC Office leasing Glossary | Page 7 Glossary Glossary of account conditions and payment status

Kind of business codes (continued)

Code Explanation Code Explanation Code Explanation VF Federal government XA Advertising agencies ZC Credit bureaus VK Child support services XD Direct-mail list services ZD Direct-to-consumer reseller VL Law enforcement XL List processing vendors ZE Employment reseller VS State government XM Media ZF Finance reseller VX Court codes XZ Misc. — advertising ZI Insurance reseller VZ Misc. — government YA Collection department — ACB ZL Leasing and rental reseller WA Automotive supplies Credit Bureau ZM Manufacturing WB Building supplies/Hardware YB Collection department — bank ZP Personal service reseller WC Clothing and dry goods YC Other collection agencies ZR Retail not elsewhere classified WD Drugs, chemicals and YD Collection department — ZS Services not related goods department store elsewhere classified WG Wholesale grocery and YF Collection department — ZT Tenant screeners reseller loan company related products ZW Wholesale not WH Home furnishings YL Collections attorney elsewhere classified WM Machinery, equipment supplies YR Repo Company ZY Collection reseller WP Credit card processors YZ Misc. — collections ZZ All others not WZ Misc. — wholesale ZA Auto reseller elsewhere classified ZB Credit report brokers

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Special comment codes

Code Explanation Code Explanation Code Explanation A Special evaluation required — AM Account payments assured by BJ Involuntary repossession/ account payment affected by wage garnishment Obligation satisfied hostile acts against the AN Account acquired by BK Involuntary repossession/ United States RTC/ FDIC/NCUA Balance owing B Account payments managed by AO Voluntary surrendered, BL Credit card lost or stolen financial counseling service then redeemed BN Paid by company that originally C Paid by co-maker AP Credit line suspended sold the merchandise E Primary maker filed bankruptcy AR Contingent liability BO Foreclosure proceedings started G Account closed due to transfer AS Account closed due to refinance BP Paid through insurance or refinance AT Account closed due to transfer BS Prepaid lease H Loan assumed by another party AU Account paid in full for less than BT Principal deferred/interest I Election of remedy the full balance payment only M Account closed at credit AV First payment never received BV Bankruptcy Chapter 7 grantor’s request AW Affected by natural disaster or BW Bankruptcy Chapter 11 O Account transferred to declared disaster another lender BX Bankruptcy Chapter 12 AX Account paid from collateral S Special handling — contact BZ Judgment Granted subscriber for additional AY Now paying CH Guaranteed/insured information AZ Redeemed repossession CI Closed due to inactivity V Adjustment pending BA Transferred to recovery CJ Credit line no longer available — AB Debt being paid BB Full termination/Status pending in repayment phase through insurance BC Full termination/ CK Credit line reduced due to AC Paying under a partial Obligation satisfied collateral depreciation payment agreement BD Full termination/Balance owing CL Credit line suspended due to AF Single payment loan BE Early termination/Status pending collateral depreciation AG Simple interest loan BF Early termination/Obligation CM Collateral released by creditor/ balance owing AH Purchased by another lender satisfied BG Early termination/Balance owing CN Loan modified under a Federal AI Recalled to military active duty government plan BH Early termination/Insurance loss AJ Payroll deduction CO Loan modified BI Involuntary repossession AL Student loan permanently CP Account in forbearance assigned to government

Compliance condition codes XF = Account in dispute under Fair Credit Billing XA = Account closed at consumer’s request Act (FCBA) XB = Account information disputed by consumer XG = FCBA dispute resolved — consumer disagrees XC = Completed investigation of Fair Credit Reporting XH = Account previously in dispute — now resolved, Act (FCRA) dispute — consumer disagrees reported by credit grantor XD = Account closed at consumer’s request and in XJ = Account closed at consumer’s request and in dispute under FCRA dispute under FCBA XE = Account closed at consumer’s request and dispute XZ = Account closed at consumer’s request investigation completed — consumer disagrees

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