Loans > Loan Screens > Credit Reporting > Report and Transmission (FPSRP184)

Topics in this Report:

Credit Reporting Report and Transmission Overview

The Credit Reporting Report identifies loans that are being reported to credit repositories and some of the basic information that is being reported (e.g., borrowers’ names, credit status, credit type, number of days delinquent, and amounts due).

At monthend, during the afterhours process, GOLDPoint Systems updates the Loans > Account Information > Credit Reporting screen for all loans (this is called the credit reporting process). The updating includes determining the Credit Bureau (CB) account type, CB status, date of first delinquency, etc.

The Credit Report (FPSRP184) is generated and a transmission (comma-delimited file) is sent to credit repositories. You can download the Credit Report in GOLDView usually by the next business or the second business day after monthend. Additionally, GOLDPoint Systems creates a copy of each transmission sent to credit repositories (e.g., Equifax, Trans Union) for you to review. This copy is in a comma-delimited file (.csv format), which allows you to view the information in a spreadsheet program such as Excel®. This file can be downloaded from GOLDPoint Systems' online file sharing site (commonly referred to as "Go Anywhere"). Your GOLDPoint Systems account manager can help you set up security clearance to access this site.

If you find any errors or corrections that need to be made from the review file, contact GOLDPoint Systems immediately. You have up to four days to determine if the file is correct. If you do find errors, GOLDPoint Systems will make corrections and send a corrected file to credit repositories. But this must be done BEFORE the four days limit.

Information for the report is pulled from the Loans > Credit Reporting screen, CIF system, and various other loan screens in CIM GOLD.

The information on the Credit Reporting screen is created at monthend; therefore, this information is being reported as of monthend, with the exception of any file maintenance changes the institution may have made to the Credit Reporting screen.

All information in CIF is pulled from current files, rather than monthend.

In order for a loan to be reported to the credit repositories, the Report To Credit Bureau? field on either the Credit Reporting screen or the Loans > Cards and Promotions, Fees and Charges tab must be checked. In addition, each borrower connected to the loan must have Social Security numbers entered on the Households screen under Customer Relationship Management in CIM GOLD. Note: If the borrower uses an ITIN and does not have an SSN, make sure the Birth Date field is also entered on the Households screen and the ID Type field is set to "22 - Personal Name/ID#/Non-Resident Alien."

Information is reported for both current and delinquent accounts. Derogatory information, including foreclosure and bankruptcy, is reported. See the Coding of Derogatory Credit Status topic for more information.

If you have not reported to credit repositories in the past, please contact your GOLDPoint Systems account manager prior to beginning. The report can be stored in Report Warehouse so it can be viewed in GOLDView.

An option, OP02 MLSR, is available that allows you to report each branch using a different subscriber number instead of reporting all branches under the same subscriber number.

If you want phone numbers included in the transmission sent to credit repositories, you must contact your GOLDPoint Systems account manager to have that set up (see GOLDPoint Systems Only below regarding Miscellaneous Option 4).

Reading the Report

The report is in credit bureau status order and then in account number order. Any error or warning messages will appear to the right of the account information at the end of the report. Accounts with warning messages are reported. Accounts with error messages are not reported to the repositories the months they have the error messages.

Credit Reporting Report Example

GOLDPoint Systems Only

Check the Miscellaneous Option 1 box to send the credit reporting Consumer Information Indicator for only the IRS owner, not any additional borrowers (see Consumer Information Code below). Do not use this option. It causes inaccurate reporting to credit reporting agencies.

Check the Miscellaneous Option 2 box to send a corrected transmission to the credit repositories. Note: This option no longer works. If you happen to find an institution set up with option, remove it. Even if the option is set, it will not work. Corrected transmissions are no longer sent.

Check the Miscellaneous Option 3 box to include the N1 Segment (Employment) in the transmission.

Check the Miscellaneous Option 4 box to include telephone numbers with the transmission.

Miscellaneous Parameter: The last two positions of the Miscellaneous Parameter field should contain the number of months closed, charged-off, and released loans will be reported to the credit repositories. If nothing is entered, the program will default to three months.

To include service-released loans, select "LNS + Released Loans - LNR" in the Input Records field. (LNR gives open, closed, and released loans.)

Only one report should be processed per day.

If a subscriber number is not set up for a repository, the loans are not included in the transmission for that repository.

Set option OP02 MLSR to allow an institution to report each branch using a different subscriber number instead of reporting all branches under the same subscriber number.

Column Heading Descriptions

Column Heading

Description

Account Number, Ck Dg

This is the four-digit branch number, account number, and check-digit number of the loan being reported by the institution to the credit repositories.

Short Name

This lists the short name of all borrowers associated with this account. The primary borrower is listed first, followed by the co-borrowers. Information is pulled from CIF. An asterisk (*) by the name indicates that the information sent to the repositories was pulled from the Multiple Borrower record.

ST (Account Status)

This is the credit bureau account status (from the Credit Reporting screen) that is being reported for the last month. The following is a list of some of the credit bureau status codes. Please reference your credit bureau manuals for more codes.

Code	Description
05	Transferred accounts/service released
11	All new and/or current accounts
13	Closed and/or zero balance accounts
42	Repossessed accounts now redeemed
61	Paid; Voluntary surrender
62	Paid; Collection account
63	Paid; Repossession
64	Paid; Charge_off
65	Paid; Foreclosure has started
67	Accounts in bankruptcy Chapters 7, 11
69	Accounts in bankruptcy Chapter 13
71	Accounts 30 to 59 days past due
78	Accounts 60 to 89 days past due
80	Accounts 90 to 119 days past due
82	Accounts 120 to 149 days past due
83	Accounts 150 to 179 days past due
84	Accounts 180 days or more past due
87	Foreclosure accounts
89	Deed in lieu accounts
93	Collection account
94	Foreclosure
95	Voluntary surrender
96	Repossession
97	Accounts charged or written off

This is the credit bureau loan type. It is pulled from the Credit Reporting screen. The system uses the following GOLDPoint Systems codes and converts them to the credit bureau type codes. Please reference your loans to ensure that they are reported correctly.

	Note: If a loan has a general category of 90 or higher, the loan will not be reported.

For more information, see the Credit Bureau Type (Account Type) topic.

Date

This is the loan due date as of monthend.

Pmt Freq

This is the payment frequency as of monthend. Loan payment frequency codes indicate the number of months or frequency of the regular loan payment.

Code	Description of Frequency Code
1	Monthly payment
2	Bi-monthly payment (every 2 months)
3	Quarterly payment (every 3 months)
4	Payment every 4 months
6	Semi-annual payment (every 6 months)
12	Annual payment
26	Bi-weekly (every 2 weeks)

Note

If the payment frequency reported is something other than monthly (e.g., bi-weekly, weekly, annually, etc.), the payment frequency is converted to monthly for Metro 2 reporting. This ensures that information sent to the national Credit Reporting agencies complies with the Metro 2® format.

ECOA Code

This displays the Equal Credit Opportunity Act (ECOA) code for the primary borrower on the loan.

See also: Loans > Credit Reporting > General Reporting Information > ECOA Codes.

Note

Accounts with ECOA Code Q (Do not Report to Credit Bureau) will not be included in the transmission. If an account owner has ECOA Code Q, you will need to change the ECOA Code to something else. See Error 19 in the Errors and Warnings section below for more information.

Pmt Rate

This is the annual interest rate for the loan.

Regular Payment

This is the dollar amount of the next payment due as of monthend.

Total Amount Past Due

This is the total amount past due, pulled from the Loans > Credit Reporting screen.

Special Comment Code

The Credit Bureau Special Comments can be user-entered, or in most cases, the system assigns a Special Comment Codes based on specific activity, as explained in the table below. The Special Comment Codes allow you to better clarify the Credit Bureau Account Status that has been reported for that month.

For more information, see the Special Comments field on the Credit Reporting screen > Reporting Codes & Original information tab.

Compliance Code

The compliance codes allow your institution a way of notifying the repositories of problems on the account. It also allows a way of indicating if the institution required an account to be closed or if the borrower closed an account.

For more information, see the Compliance Code field on the Credit Reporting screen > Reporting Codes & Original Information tab.

Consumer Information Code

The IRS owner consumer information indicator (CII) code displays the account status relative to any bankruptcy proceedings on the account. It also indicates to the repositories if there is a problem locating the borrower. These codes further clarify the status of an account relative to bankruptcy of the primary borrower. The Consumer Information Code is established on an account at the time the Bankruptcy transactions are run. For more information, see the Reporting an Account in Bankruptcy topic.

Valid CII codes are listed in the Bankruptcy Detail manual here.

Consumer Tran Code

The credit reporting guidelines no longer request the Consumer Transaction Code (Type) be included (as of 2016).

Account Errors/Warnings

This is the error or warning message associated with the account. Accounts with error/warning messages will sort to the bottom of the report.

When a warning message appears, the account will be reported, but the information being sent might need further clarification for reporting accuracy.

If an error message appears, the account information will not be reported to the credit repositories.

The following is a list of error and warning messages.

Note

A "WARNING" message indicates possible problems, but the account will be included on the transmission. An "ERROR" message indicates the account will not be included on the transmission.

CODE	MESSAGE	DESCRIPTION
01	Warning: Special Comment Code Needed	Has hold code 7 (Legal hold), 9 (Legal hold), 94 (Paid account; a foreclosure was started), 96 (Paid account; was a collection), and 99 (Settled; account legally paid in full for less than full balance) and there is no Special Comment code set up on the Loans > Credit Reporting screen.
02	Warning: Consumer Info Code Needed	Has hold code 4 (Bankruptcy–Chapter 7 or 11) or 5 (Bankruptcy–Chapter 13), and there is no Consumer Information Indicator set up. If a bankruptcy is run on one account that has two borrowers connected to the account, then this message will appear if other borrowers on the loan have not filed bankruptcy. This is only a warning to alert you that not all borrowers on the loan have the Consumer Information Indicator selected for bankruptcy. Generally, it would be correct that all borrowers are not marked for bankruptcy. For instance, if two brothers, John Doe and Jim Doe, are on a loan and one of them (John) files bankruptcy, the second brother (Jim) should not be reported as being in bankruptcy. The Consumer Information Indicator code is established when the Bankruptcy transaction is run for an account or person. It will only appear on the report for the borrowers that have been selected for the Bankruptcy transaction. Beneath the loan number will appear the names of both borrowers on separate lines. Next to John will appear a code A-Y; no code will appear next to Jim. This lets you know that John is being reported in bankruptcy and Jim is not.
04	Warning: Term of Loan is Zero. 360 Default Used	The loan is set up to be a closed-end loan with a maturity date, but the loan term is blank.
05	Error: Date Opened Invalid	The date opened is blank.
06	Warning: Principal Balance is Gtr than 125% Max
08	Hold Code 71 on File for this Acct. Not Reported	Hold code 71: Social Security number needs to be verified.
10	Error: No Name Found for Principal Borrower
11	Error: Account Missing CIF Information
12	Error: Account is a Contract Collection
13	Error: Action CD 94 and Date Required	Checks for Action Code 94 (date of occurrence) on the Credit Bureau screen.
14	Error: Invalid Due Date, Must Not Equal Zero
15	Error: Settled Account—Must Payoff to Report	If the loan has a Hold Code 99 (Settled; account legally paid in full for less than full balance) and not closed.
16	Warning: Prob with CIF, a co-borrower went unreported
17	Error: Action CD 194 Expected Not Found	Checks for Action Code 194 (date of first delinquency) on the Credit Bureau screen.
18	Error: Current Balance (BUPOBL) is Less Than 0.00.	Checks for any accounts with a zero current balance. If there is a zero balance, the account will not be included in the transmission to credit repositories.
19	Error: Account Owner Has ECOA Code Q. Not Reported.	Checks for ECOA Code Q (Don't Report to Credit Bureau). If the account has ECOA Code Q, the account is not included in the credit transmission. The ECOA Code is set up on the Customer Relationship Management > Households screen or Loans > Marketing and Collections screen > CIF tab in CIM GOLD.

Subtotals and Totals of the Report

Subtotals are provided for each credit reporting status at the end of each status. The total number of accounts in the section, minus any accounts that have error or warning messages, is displayed for that reporting status.

The last page of this report will provide totals for your institution, based on status, and for the entire institution.

Credit Reporting Report Example

Transmission

The following is the information included in the reporting transmission (comma-delimited file) sent to credit repositories at monthend (after the test run and during the afterhours of the final run).

RECORD LAYOUTS

Header Record – Packed Format

Header Record – Character Format

366 Base Segment – Packed Format

426 Base Segment – Character Format

J1 Segment – Associated Consumer – Same Address

J2 Segment – Associated Consumer – Different Address

K1 Segment – Original Creditor Name

K2 Segment – Purchased Portfolio/Sold To

K3 Segment – Mortgage Information

K4 Segment – Specialized Payment Information

L1 Segment – Account Number/Identification Number Change

N1 Segment – Employment

Trailer Record – Packed Format

Trailer Record – Character Format

FIELD DEFINITIONS

HEADER RECORD

Record Descriptor Word

Record Identifier

Cycle Identifier

Innovis Program Identifier

Equifax Program Identifier

Experian Program Identifier

TransUnion Program Identifier

Activity Date

Date Created

Program Date

Program Revision Date

Reporter Name

Reporter Address

Reporter Telephone Number

Software Vendor Name

Software Version Number

MicroBilt/PRBC Program Identifier

Reserved

BASE SEGMENT

Record Descriptor Word (RDW)

Processing Indicator

Time Stamp

Reserved

Identification Number

Cycle Identifier

Consumer Account Number

Portfolio Type

Account Type

Date Opened

Credit Limit

Highest Credit or Original Loan Amount

Terms Duration

Terms Frequency

Scheduled Monthly Payment Amount

Actual Payment Amount

Account Status

Payment Rating

Payment History Profile

Special Comment

Compliance Condition Code

Current Balance

Amount Past Due

Original Charge-off Amount

Billing Date/Date of Account Information

FCRA Compliance/Date of First Delinquency

Date Closed

Date of Last Payment

Reserved

Surname

First Name

Middle Name

Generation Code

Social Security Number

Date of Birth

Telephone Number

ECOA Code

Consumer Information Indicator

Country Code

First Line of Address

Second Line of Address

City

State

Postal/ZIP Code

Address Indicator

Residence Code

J1 SEGMENT – ASSOCIATED CONSUMER – SAME ADDRESS

Segment Identifier

Reserved

Surname

First Name

Middle Name

Generation Code

Social Security Number

Date of Birth

Telephone Number

ECOA Code

Consumer Information Indicator

Reserved

J2 SEGMENT – ASSOCIATED CONSUMER – DIFFERENT ADDRESS

Segment Identifier

Reserved

Surname

First Name

Middle Name

Generation Code

Social Security Number

Date of Birth

Telephone Number

ECOA Code

Consumer Information Indicator

Country Code

First Line of Address

Second Line of Address

City

State

Postal/ZIP Code

Address Indicator

Residence Code

Reserved

K1 SEGMENT – ORIGINAL CREDITOR NAME

Segment Identifier

Original Creditor Name

Creditor Classification

K2 SEGMENT – PURCHASED PORTFOLIO/SOLD TO

Segment Identifier

Portfolio Indicator

Purchased Portfolio or Sold To Name

Reserved

K3 SEGMENT – MORTGAGE INFORMATION

Segment Identifier

Agency Identifier

Account Number

Mortgage Identification Number

K4 SEGMENT – SPECIALIZED PAYMENT INFORMATION

Segment Identifier

Specialized Payment Indicator

Deferred Payment Start Date

Payment Due Date

Payment Amount

Reserved

L1 SEGMENT – ACCOUNT NUMBER/IDENTIFICATION NUMBER

Segment Identifier

Change Indicator

New Consumer Account Number

New Identification Number

Reserved

N1 SEGMENT – EMPLOYMENT (OPTIONAL)

Segment Identifier

Employer Name

First Line of Employer Address

Second Line of Employer Address

Employer City

Employer State

Employer Postal/ZIP Code

Occupation

Reserved

Header Record

Field	Field Name	Length	Position	Description
1	Record Descriptor Word (RDW)	4	1-4	Defaults to 366. Contains a value equal to the length of the physical record. This value includes the four bytes reserved for this field. The recording technique is Binary for the 366 format. Binary: The hexadecimal value should be in the first two bytes of the field and the last two bytes should contain binary zeros. Example: 016E0000. Numeric: The entire four bytes are used. Example: F0F4F2F6. If fixed-length records are being reported, the Header Record should be the same length as all the data records. The Header Record should be padded with blanks to fill the needed number of positions.
2	Record Identifier	6	5-10	Defaults to HEADER
3	Cycle Identifier	2	11-12	Blanks
4	Innovis Program Identifier	10	13-22	Defaults to blanks for Innovis
5	Equifax Program Identifier	10	23-32	Defaults to V00005315
6	Experian Program Identifier	5	33-37	Defaults to D0214
7	TransUnion Program Identifier	10	38-47	Defaults to bbbbbD0214. The "b"s are blanks.
8	Activity Date	8	48-55	This is the current run date in MMDDCCYY format. The current run date is the current date minus one month, and then the last day of that month.
9	Date Created	8	56-63	Today's date (MMDDCCYY)
10	Program Date	8	64-71	Defaults to 10111999
11	Program Revision Date	8	72-79	Defaults to 11102014
12	Reporter Name	40	80-119	Defaults to GOLDPOINT
13	Reporter Address	96	120-215	Defaults to ATTN OPERATIONS 1525 WEST 820 NORTH PROVO, UTAH 84601
14	Reporter Telephone Number	10	216-225	Defaults to 8014292150
15	Software Vendor Name	40	226-265	Blanks
16	Software Version Number	5	266-270	This is the version number of the Credit Report Transmission program generated by GOLDPoint Systems.
17	MicroBilt/PRBC Program Identifier	10	271-280	Blanks
18	Reserved	146	281-426	Blanks

Base Segment

Field	Field Name	Length	Position	Description
1	Record Descriptor Word (RDW)	4	1-4	Defaults to 366
2	Processing Indicator	1	5	Defaults to 1
3	Time Stamp	14	6-19	Contains date and time of actual account information update. Format for packed date is 0MMDDYYYYHHMMSSs—where s is the sign. Format is MMDDYYYYHHMMSS for character date. This field will have the previous end-of-month date (the date Credit Reporting ran) unless the loan is closed or released. •For Credit Bureau Account Status codes 11, 71, 78, 80, 82-84, 88, 89, 93-97, DA, and DF, the system reports the current month’s date. Example: If the file were sent in May (for April reporting), then the field will have the following data in it: 04302015235959F (04/30/2015 23:59:59). •For Credit Bureau Account Status code 05 (account transferred to another office), the date transferred is reported. •For closed or released loans, it will have the date the loan was closed or released. •For Credit Bureau Account Status codes 13 and 61-65, the system reports the date paid, unless the account was closed due to inactivity, then report the date within the current reporting period when the account was closed to further charges. Example: If an account was closed or released on 04/15/15 (for April reporting), the field will have the following data in it: 004152015235959F (04/15/2015 23:59:59).
4	Reserved	1	20	Blank
5	Identification Number	20	21-40	If sending Trans Union transmission, the Trans Union Subscriber Number (OBTRNN) from the OT record is sent (the OT record is found on the GOLD Services > Office Information screen); if blank, it defaults to institution option Trans Union Subscriber Number (TRNS). If sending Equifax transmission, the Equifax Subscriber Number (OBEQFX) from the OT record is sent (the OT record is found on the GOLD Services > Office Information screen); if blank, it defaults to institution option Equifax Subscriber Number (EQUI). If sending Experian transmission, the Experian Subscriber Number (OBEXPN) from the OT record is sent (the OT record is found on the GOLD Services > Office Information screen); if blank, it defaults to institution option Experian Subscriber Number (EXPR). If sending Innovis transmission, the Innovis Subscriber Number (OBINNV) from the OT record is sent (the OT record is found on the GOLD Services > Office Information screen); if blank, it defaults to institution option Innovis Subscriber Number (CCA3).
6	Cycle Identifier	2	41-42	Blanks
7	Consumer Account Number	30	43-72	If there is no Purchase Date (LNPUDT) or no Date Last Converted (LNCVDT), then it defaults to the loan Account Number (BU4NBR) plus the loan Check Digit (LNCKDG). If there is a Purchase Date (LNPUDT) or a Converted Date (LNCVDT) and a newly Converted Loan (BUNCLN) is set, then the old account number is pulled from the Miscellaneous field (BUCMSC). If the Miscellaneous field (BUCMSC) is blank then defaults loan Account Number (BU4NBR) plus loan Check Digit (LNCKDG)
8	Portfolio Type	1	73	Portfolio Type (BUPOTP) •"C" is for line-of-credit loans (payment method 5) and non-card loans (LNCARD = "N"). •"I" is for installment loans (general category 6) or payment method 16 (signature loans). •"M" is for mortgage loans with general category 1 and 2 (real estate first mortgage loan and second mortgages). •"R" is for revolving line-of-credit loans (payment method 5) and card loan (LNCARD = "Y"). The Portfolio Type defaults to an "I" unless the account has one of the following conditions on the account: 1.If the payment method if 5 (line-of-credit) and the loan is card loan (LNCARD=Yes), then the Portfolio Type is "R" (revolving). 2.If the payment method is 5 (line-of-credit) and the loan is not a card loan (LNCARD=No), then the Portfolio Type is "C" (line-of-credit). 3.If the account has a General Category of 1, 2, 10, 11, 80, 86-90, then the Portfolio Typeis "M" (mortgage).
9	Account Type	2	74-75	Account Type (BUACCO) If a Card (LNCARD) BUACCO equals 2A. If Insurer Code (LNINSU) equals 1 then BUACCO equals 19. If Insurer Code (LNINSU) equals 2 then BUACCO equals 25. If Insurer Code (LNINSU) equals 3 then BUACCO equals 66. If collateral code (LNCOLL) equals 220 or 221 then BUACCO equals 00. If collateral code (LNCOLL) equals 110 or 235 then BUACCO equals 01. If collateral code (LNCOLL) equals 106, 240, 241 or 245 then BUACCO equals 02. If collateral code (LNCOLL) equals 200 or 205 then BUACCO equals 04. If collateral code (LNCOLL) equals 100, 102, 105, 120, 242, 246, 350, 400 or 410 then BUACCO equals 10. If collateral code (LNCOLL) equals 260, 262 or 269 then BUACCO equals 11. If collateral code (LNCOLL) equals 210 then BUACCO equals 12. If collateral code (LNCOLL) equals 300 or 310 then BUACCO equals 13. If collateral code (LNCOLL) equals 230 or 231 then BUACCO equals 15. If collateral code (LNCOLL) equals 250 then BUACCO equals 17. If collateral code (LNCOLL) equals 0-17, 20, 25, 40, 109, or 204 then BUACCO equals 26. If collateral code (LNCOLL) equals 202 or 203 then BUACCO equals 47. If collateral code (LNCOLL) equals 190 or 201 then BUACCO equals 5B. If collateral code (LNCOLL) equals 108 or 130 then BUACCO equals 7B.
10	Date Opened	8	76-83	Date Opened (BUOPND) equals loan Opened Date (LNOPND)
11	Credit Limit	9	93-101	Credit Limit (BUCRLM) equals Credit Limit (LNRLCL) if payment method 5, 9 or 10. BUCRLM equals zero for all other payment methods.
12	Highest Credit or Original Loan Amount	9	93-101	This field is pulled from the High or original amount (BUHOAM ) on the Credit Reporting screen. The system pulls different information for this field depending on what type of payment method the account is. •The system uses the highest balance field (LNRLHB) in the Highest Credit or Original Loan Amount field (field 12 of the Base Segment of the Credit Report transmission), if the loan is a line-of-credit (payment method 5) account. The Teller system looks at the loan balance each time an account is updated. If the loan principal balance (LNPBAL) is higher than the amount in LNRLHB, then when the system updates, the LNPBAL goes into LNRLHB to be reported to credit repositories. •For all other payment methods, the system uses the Face Amount (LNFACE) in this field (except institution 360, which uses original balance (LNOBAL)). •If nothing is in the Highest Balance field, the system uses the line-of-credit limit (LNRLCL) for payment method 5 loans.
13	Terms Duration	3	102-104	Term in months (BUTERM) This contains the duration of credit extended. Line-of-credit: Contains "LOC" when the loan is payment method 5 and LNCARD = "N" (or is left blank). Installment: Number of months for the loan. Mortgage: Number of years for the loan. Mortgage loans are those loans with General Category 1, 2, 10, 11, 80, 86-90. Open: Contains "001," one payment as scheduled. Revolving: Contains "REV" when the loan is payment method 5 and LNCARD = "Y" (or is checked).
14	Terms Frequency	1	105	This field equals the loan frequency (LNFREQ). It defaults to M (monthly).
15	Scheduled Monthly Payment Amount	9	106-114	Scheduled payment (BUSCPM). This is the scheduled payment amount. This field is calculated as of monthend as follows: •P/I Constant - Subsidy Balance (if the loan has any subsidies) •If the loan has reserves, then the payment amount is calculated as Reserve Constant 1 + Reserve Constant 2 - Subsidy + P/I Constant. CDIA guidelines require this amount to be in whole dollars. The amount will be truncated (not rounded) and will not show any decimals. Note: If the account has been charged-off, this amount will be zero (0). If payment method does not equal 5 and LNFREQ equals 1 or 13, then BUSCPM is the calculated payment amount. If payment method does not equal 5 and LNFREQ equals 2, 3, 6 or 12, then BUSCPM is the calculated payment amount divided by the frequency (LNFREQ). If payment method does not equal 5 and LNFREQ equals 24, then BUSCPM is the calculated payment amount multiplied by 2. If payment method does not equal 5 and LNFREQ equals 26, then BUSCPM is the calculated payment amount multiplied by 2.16. If payment method does not equal 5 and LNFREQ equals 52, then BUSCPM is the calculated payment amount multiplied by 4.33. If payment method 5 and payment type does not equal 4, then BUSCPM is the calculated payment amount. If payment method 5 and payment type equals 4 and there is a P/I constant, then BUSCPM is the calculated payment amount. If payment method 5 and payment type equals 4 and there is no P/I constant and the minimum payment due (LNRLMD) is less than or equal to the calculated payment amount, then BUSCPM is the calculated payment amount. If payment method 5 and payment type 4 with no P/I constant and the minimum payment due (LNRLMD) is greater than the calculated payment and the minimum payment due (LNRLMD) minus the calculated payment amount is less than or equal to the principal balance, then BUSCPM equals the minimum payment due (LNRLMD), or if the minimum payment due (LNRLMD) minus the calculated payment amount is greater than the principal balance, then BUSCPM equals the principal balance (LNPBAL).
16	Actual Payment Amount	9	115-123	This field displays the amount the borrower paid this month on the loan. This field is updated at monthend when the Credit Reporting process is run. The system takes the amount in the Amt Paid this Month field (BUAPTM) on the Credit Reporting screen, truncates it to whole dollars, and puts the whole dollar amount in the Actual Payment Amount field in the credit transmission.
17A	Account Status	2	124-125	Credit Bureau Account Status (BUCBRS) is calculated. See Credit Bureau Account Status in the Loans in CIM GOLD > Loan Screens > Credit Reporting manual.
17B	Payment Rating	1	126	Payment rating (BUPTRT) will only be reported when the Credit Bureau Account Status code is 05, 13, 65, 88, 89, 94, or 95. •If the account has an account status of 11, the payment rating will be a 0. •If the account has an account status of 71, the payment rating will be a 1. •If the account has an account status of 78, the payment rating will be a 2. •If the account has an account status of 80, the payment rating will be a 3. •If the account has an account status of 82, the payment rating will be a 4. •If the account has an account status of 83, the payment rating will be a 5. •If the account has an account status of 84, the payment rating will be a 6. •If the account has an account status of 93, the payment rating will be a G. •If the account has an account status of 97, the payment rating will be a L. If an account has a payment rating of 13, the payment rating is calculated by taking the days difference between the due date (LNDUDT) and the closed date (LNCLDT) and use the following conversion table: If an account has a payment rating of 5, the payment rating is calculated by taking the days difference between the due date (LNDUDT) and the released date (action date associated with the 104 action code) and use the following conversion table: Accounts with a Credit Bureau Account Status other than the statuses listed above take the days difference between the due date (LNDUDT) and the current run date and use the following conversion table: •0-29 days late gets a payment rating of 0 •30-59 days late gets a payment rating of 1 •60-89 days late gets a payment rating of 2 •90-119 days late gets a payment rating of 3 •120-149 days late gets a payment rating of 4 •150-179 days late gets a payment rating of 5 •180+ days late gets a payment rating of 6
18	Payment History Profile	24	127-150	Contains up to 24 months of consecutive payment activity for the previous 24 months prior to the Date of Account Information being reported. This field reports from left to right from most recent to least recent order. This information is pulled from the Payment Profile field on the Loans > Credit Reporting Screen > Credit Reporting & Loan Information tab. BUPMPF (Payment History Profile) equals loan 24-month payment history (LNPHST) except for the last position or current month of the payment history. Also, when moving LNPHST to BUPMPF; a C in the LNPHST is changed to a 0 in BUPMPF; an 8 in the LNPHST is changed to a D in BUPMPF; and a 9 in the LNPHST is changed to an E in BUPMPF: 0, 1, 2, 3, 4, 5 and 6 are not changed when it moves from LNPHST to BUPMPF. If loan assumed during the month (monthend date minus LNASDT is less than one), then BUPMPF defaults to all B’s in the field except for the last position or current month of the payment history. It is calculated (see below). If the loan is funded (MRFUND), converted (LNCVDT), or opened (LNOPND) during the month, then BUPMPF defaults to all B’s in the field except for the last position or current month of the payment history. It is calculated (see below). The first position (oldest month) of BUPMPF shifts off and the last position or current month of the BUPMPF is recalculated. The last position or current month of the BUPMPF is calculated as follows: •If BUCBRS equals 11, then the last position of BUPMPF equals 0. •If BUCBRS equals 71, then the last position of BUPMPF equals 1. •If BUCBRS equals 78, then the last position of BUPMPF equals 2. •If BUCBRS equals 80, then the last position of BUPMPF equals 3. •If BUCBRS equals 82, then the last position of BUPMPF equals 4. •If BUCBRS equals 83, then the last position of BUPMPF equals 5. •If BUCBRS equals 84, then the last position of BUPMPF equals 6. •If BUCBRS equals 93, then the last position of BUPMPF equals G. •If BUCBRS equals 94, then the last position of BUPMPF equals H. •If BUCBRS equals 95, then the last position of BUPMPF equals J. •If BUCBRS equals 96, then the last position of BUPMPF equals K. •If BUCBRS equals 97, then the last position of BUPMPF equals L. •If the account is a payment method 5 loan with no balance (LNPBAL equals 0), then the last position of BUPMPF equals E. •If the account does not match any of the above categories, then the last position of BUPMPF equals payment rating (BUPTRT).
19	Special Comment	2	151-152	Special Comment (BUSPCM) See Special Comments in the Loans in CIM GOLD > Loan Screens > Credit Reporting > Credit Reporting Screen > Reporting Codes & Original Information tab.
20	Compliance Condition Code	2	153-154	Compliance Code (BUCMCD) BUCMCD equals "DA" (delete account) when loans are retracted or corrected (LNCLSD = Y and LNRNST = Y). Otherwise, the compliance codes are user-entered on the Compliance Code field on the Credit Reporting screen. The compliance codes allow your institution a way of notifying the repositories of problems on the account. It also allows a way of indicating if the institution required an account to be closed or if the borrower closed an account. The codes notify the credit repositories of disputes and other factors that better clarify the information being reported.
21	Current Balance	9	155-163	Amount required to payoff the loan as of monthed (BUPOBL), unless it is a card that is in dispute, then the undisputed card balance is sent in BUPOBL. This is pulled from the Current Balance field on the Credit Reporting screen.
22	Amount Past Due	9	164-172	Amount Past Due (BUAMPD) •If Credit Bureau Account Status (BUCBRS) equals 5, 11, 13, or 64, then BUAMPD equals 0. •If Credit Bureau Account Status (BUCBRS) equals 97 (charged off), then BUAMPD reflects the payoff amount and is truncated. •If line-of-credit loan (payment method 5) and the Credit Bureau Status (BUCBRS) is 11, then BUAMPD equals 0. •If not a payment method 5 loan, BUAMPD equals the total of delinquent payments (calculated) plus late charges (LNLATE) minus partial payments (LNPRTL). •If payment method 5 loan, BUAMPD equals the total of delinquent payments (calculated) plus late charges (LNLATE) plus miscellaneous fee (LNFEES). If Use Insurance Record for Credit Life is not set (LNUINS=N), then the Credit Life Premiums Due (LNCLPD) field is also added to BUAMPD. This amount will never be larger than the total payoff amount (Current Balance).
23	Original Charge-off Amount	9	173-181	Original charge off amount (BUOGCO) equals payoff amount (LNCLAT) if there is a Hold Code 2 on the account and the Credit Bureau Account Status code (BUCBRS) equals 97 (charged off) and BUOGCO is equal to zero. BUOGCO equals charge off amount (LNCOBL) if there is hold code 2 and a charge off date and BUOGCO is zero (the payoff amount is used before the charge off amount).
24	Billing Date/Date of Account Information	8	182-189	All account information in the Base Segment, such as Credit Bureau Account Status and Current Balance, must be reported as of the date in this field. •For Credit Bureau Account Status codes 11, 71, 78, 80, 82-84, 88, 89, 93-97, DA, and DF, the end-of-month's date is reported. •For Credit Bureau Account Status code 05, the date transferred is reported. •For Credit Bureau Account Status codes 13 and 61-65, the closed date (LNCLDT) is reported. If the closed date is not within the credit reporting period, the date the account was closed to further charges is reported. Format for character date is MMDDYYYY. Format for packed date is 0MMDDYYYYs—where s is the sign.
25	FCRA Compliance/ Date of First Delinquency	8	190-197	Date First Delinquent (BUDFDL) Delinquency is calculated based on whole days. Date of first delinquency is placed on an account when the payment has not been made after 30 days from the due date. BUDFDL equals date associated with action code 94. If no action code 94, then uses date associated with action code 194. See Date 1st Delinquent for more information.
26	Date Closed	8	198-205	Payoff date (BUCLDT) equals the Paid Off date (LNCLDT) on the loan, if applicable.
27	Date of Last Payment	8	206-213	Date of last payment (BUDTLP) equals the Last Payment Date (LNDTLP).
28	Interest Type Indicator	1	214	Blanks
29	Reserved	17	215-231	Blanks
30	Surname	25	232-256	If not assumed during the month, then defaults to IRS owner’s last name (NDLNAM). If loan assumed during the month (monthend date minus LNASDT is less than one), then defaults to payee last name (LAPAYE).
31	First Name	20	257-276	If not assumed during the month, then defaults to IRS owner's first name (NDFNAM). If loan assumed during the month (monthend date minus LNASDT is less than one), then defaults to payee first name (LAPAYE).
32	Middle Name	20	277-296	If not assumed during the month, then defaults to IRS owner's middle name (NDMNAM). If loan assumed during the month (monthend date minus LNASDT is less than one), then defaults to payee middle name (LAPAYE).
33	Generation Code	1	297	This reports if any Suffix codes (NDSFFX) are included for the person on the Customer Relationship Management > Households screen. Possible entries are: J = Junior S = Senior 2 = II or the second 3 = III or the third 4 = IV or the fourth 5 = V or the fifth 6 = VI or the sixth 7 = VII or the seventh 8 = VIII or the eighth 9 - IX or the ninth
34	Social Security Number	9	298-306	If not assumed during the month, then defaults to IRS owner's Social Security number set up in the Tax ID/Customer ID (NDCSSN) on the Customer Relationship Management > Households screen > Name tab. If loan assumed during the month (monthend date minus LNASDT is less than one), then defaults to payee Social Security number (LASSN1). Individual Taxpayer Identification Number (ITIN) should not be used in this field. Metro 2 guidelines specifically state to not report ITINs in this field. To ensure ITINs are not reported here, make sure the ID Type field on the Households screen is set to "22 - Personal Name/ID#/Non-resident Alien" if the Tax ID/Customer ID (on that same screen) is an ITIN. If the Social Security number is not reported (because it's an ITIN), make sure the Birth Date field is entered on the Households screen. According to Metro 2 guidelines, if the Social Security number is not reported, the Date of Birth is required.
35	Date of Birth	8	307-314	IRS owner's birth date pulled from the Birth Date field (NDBDAT) on the Customer Relationship Management > Households screen > Name tab. The format used is: 0MMDDYYYY. Note: If this borrower only has an Individual Taxpayer Identification Number (ITIN), the Birth Date field must be entered.
36	Telephone Number	10	315-324	If Miscellaneous Option 4 is set up for this report, telephone numbers are included on the transmission. The system uses the home number of the IRS owner first, if one is present. If a home number is not available, the system uses the additional number. If the additional number is not present, the system uses the work number. Phone numbers are pulled from the Phones tab of the Customer Relationship Management > Households screen > Names tab.
37	ECOA Code	1	325	Pulls the ECOA Code (NTECOA) on the Customer Relationship Management > Households screen > Accounts tab. If loan not assumed, then it pulls the ECOA Code on the account. If loan assumed during the month (months difference between monthend date and LNASDT is less than one), then defaults to T (terminated); otherwise, it uses the ECOA Code on the account.
38	Consumer Information Indicator	2	326-327	Primary borrower's CIID. The Consumer Information Indicator code (CIID) is automatically applied when certain bankruptcy transactions are run. It can also indicate if the consumer cannot be located or if the consumer has been located after being missing. This field can be maintained (with proper security) on the Customer Relationship Management > Households screen or the Loans > Bankruptcy and Foreclosure > Bankruptcy Detail screen.
39	Country Code	2	328-329	The Country Code field (Base Field 39) is pulled from the Country field on the Customer Relationship Management > Households screen > Addresses tab. If that field is blank, the system reports "U.S." in the Country Code field. This also applies to Field 12 (Country Code) in the J2 Segment of the transmission.
40	First Line of Address	32	330-361	Address line 1 (NAADD1)
41	Second Line of Address	32	362-393	Address line 2 (NAADD2)
42	City	20	394-413	City (NACITY)
43	State	2	414-415	State (NASTAB)
44	Postal/ZIP Code	9	416-424	ZIP code and ZIP+4 (NAZIPC/NAZIP4)
45	Address Indicator	1	425	Defaults to blanks. If there is a code in the Address Indicator field on the Loans > Credit Reporting > Names tab > Addresses tab, that code is pulled into this field. Valid codes are: C – Confirmed/Verified Address. Note: The C code is used to confirm or verify an address after receiving an address discrepancy notification from a consumer reporting agency. Report "C" one time after the address is confirmed. Y – Customer’s Primary Address N – Unconfirmed Address M – Military Address S – Secondary Address B – Business Address (Not a Residence) U – Non-Deliverable Address/Returned Mail D – Data Reporter’s Default Address P – Bill Payer Service (Not a Residence)
46	Residence Code	1	426	Blanks. This field is not required. The residence code contains the one-character residence code of the address reported. Values available: Blank – unknown O – Owns R – Rents

J1 Segment: Associated Consumer – Same Address

A J1 Segment is reported to credit repositories if a co-borrower exists on the account. If the co-borrower lives at the same address as the IRS Owner, then the co-borrowers names and address will be reported in the J1 Segment. If the co-borrower has a different address than the IRS owner, the co-borrower will be reported in the J2 Segment. The IRS owner listed on the account is reported in the Base Segment.

How the System Determines a J1/J2 Segment

The system creates a J1 or J2 segment based on the mailing or property address sequences of co-borrowers rather than the Account Ownership code (NTODSC), as set up on the Customer Relationship Management > Households screen. If the co-borrower does not have a Physical Address sequence (NDPHAD) or a Mailing Address sequence (NDMALD), then a J1 Segment will be created for the co-borrower, using the address of the IRS owner.

•The address for the IRS owner to be used for comparison is the Mailing Address sequence (NDMLAD) unless the Physical Address sequence (NDPHAD) is not zero.

•If the Physical Address sequence and the Mailing Address sequence are zero, then the IRS owner's account Mailing Address sequence (NTADDR) is used as the comparison address.

•If the IRS owner's address comparison sequence is equal to the co-borrower's Physical Address sequence (NDPHAD if one exists) or the Mailing Address sequence (NDMLAD if no Physical Address sequence exists) or the account's Mailing Address sequence (NTADDR if no Mailing Address sequence exists), then a J1 Segment will be created.

•If the IRS Owner's address comparison sequence is not equal to the co-borrower's Physical Address sequence (NDPHAD, if one exists) or the Mailing Address sequence (NDMLAD if no Physical Address sequence exists) or the account's Mailing Address sequence (NTADDR if no Mailing Address sequence exists) from the co-borrower, then a J2 Segment is created using the Mailing Address of the co-borrower.

•If there is no Mailing Address for the J2 Segment, the Mailing Address of the Base Segment (IRS owner) is used as the Mailing Address in the J2 Segment.

Field	Field Name	Length	Position	Description
1	Segment Identifier	2	1-2	Defaults to J1
2	Reserved	1	3	Blanks
3	Surname	25	4-28	Last name (NDLNAM)
4	First Name	20	29-48	First name (NDFNAM)
5	Middle Name	20	49-68	Middle name (NDMNAM)
6	Generation Code	1	69	Blanks
7	Social Security Number	9	70-78	Social Security number (NDCSSN). Individual Taxpayer Identification Number (ITIN) should not be used in this field. Metro 2 guidelines specifically state to not report ITINs in this field. To ensure ITINs are not reported here, make sure the ID Type field on the Households screen is set to "22 - Personal Name/ID#/Non-resident Alien" if the Tax ID/Customer ID (on that same screen) is an ITIN. If the Social Security number is not reported (because it's an ITIN), make sure the Birth Date field is entered on the Households screen. According to Metro 2 guidelines, if the Social Security number is not reported, the Date of Birth is required.
8	Date of Birth	8	79-86	MMDDYYYY (NDBDAT) This is the co-borrower's birth date pulled from the Birth Date field (NDBDAT) on the Customer Relationship Management > Households screen > Name tab. The format used is: 0MMDDYYYY. Note: If this borrower only has an Individual Taxpayer Identification Number (ITIN), the Birth Date field must be entered.
9	Telephone Number	10	87-96	Must have Miscellaneous Option 4 turned on. If it is turned on, this is the phone number for any co-borrowers on the account. The system uses the home number of the co-borrower first, if one is present. If a home number is not available, the system uses the additional number. If the additional number is not present, the system uses the work number. Phone numbers are pulled from the Phones tab of the Customer Relationship Management > Households screen > Names tab.
10	ECOA Code	1	97	Pulls the ECOA Code (NTECOA) on the Customer Relationship Management > Households screen > Accounts tab. If loan not assumed, then it pulls the ECOA Code on the account. If loan assumed during the month (months difference between monthend date and LNASDT is less than one), then defaults to T (terminated); otherwise, it uses the ECOA Code on the account.
11	Consumer Information Indicator	2	98-99	The Consumer Information Indicator code (CIID) is automatically applied when certain bankruptcy transactions are run. It can also indicate if the consumer cannot be located or if the consumer has been located after being missing. This field can be maintained (with proper security) on the Customer Relationship Management > Households screen or the Loans > Bankruptcy and Foreclosure > Bankruptcy Detail screen.
12	Reserved	1	100	Blanks

J2 Segment: Associated Consumer – Different Address

A J21 Segment is reported to credit repositories if a co-borrower exists on the account, and that co-borrower has a different address than the IRS Owner listed on the account. If the co-borrower lives at the same address as the IRS Owner, then the co-borrowers names and address will be reported in the J1 Segment. The IRS owner listed on the account is reported in the Base Segment.

How the System Determines a J1/J2 Segment

•The address for the IRS owner to be used for comparison is the Mailing Address sequence (NDMLAD) unless the Physical Address sequence (NDPHAD) is not zero.

•If the Physical Address sequence and the Mailing Address sequence are zero, then the IRS owner's account Mailing Address sequence (NTADDR) is used as the comparison address.

•If there is no Mailing Address for the J2 Segment, the Mailing Address of the Base Segment (IRS owner) is used as the Mailing Address in the J2 Segment.

Field	Field Name	Length	Position	Description
1	Segment Identifier	2	1-2	Defaults to J2
2	Reserved	1	3	Blanks
3	Surname	25	4-28	Last name (NDLNAM) If loan assumed during the month (monthend date minus LNASDT is less than one), then uses the last name from payee 2 name (LAPYE2) and last name from payee name (LANAMP). If the Social Security number is not zero, a J2 record will be sent (up to 8 J2 records could be sent). If multiple borrower records are used by the report, then uses the last name of the next co-borrower on the loan.
4	First Name	20	29-48	First name (NDFNAM) If loan assumed during the month (monthend date minus LNASDT is less than one), then uses the first name from payee 2 name (LAPYE2) and first name from payee name (LANAMP). If the Social Security number is not zero a J2 record will be sent (up to 8 J2 records could be sent). If multiple borrower records are used by the report, then uses the first name of the next co-borrower on the loan.
5	Middle Name	20	49-68	Middle name (NDMNAM) If loan assumed during the month (monthend date minus LNASDT is less than one), then uses the middle name from payee 2 name (LAPYE2) and middle name from payee name (LANAMP). If the Social Security number is not zero, a J2 record will be sent (up to 8 J2 records could be sent). If multiple borrower records are used by the report, then uses the middle name of the next co-borrower on the loan.
6	Generation Code	1	69	Blanks
7	Social Security Number	9	70-78	Social Security number (NDCSSN) If loan assumed during the month (monthend date minus LNASDT is less than one), then uses the last name from Social Security 2 (LASSN2) and seller Social Security number (LASSNP). If the Social Security number is not zero, a J2 record will be sent (up to 8 J2 records could be sent). If multiple borrower records are used by the report, then uses the Social Security number of the next borrower on the loan. Individual Taxpayer Identification Number (ITIN) should not be used in this field. Metro 2 guidelines specifically state to not report ITINs in this field. To ensure ITINs are not reported here, make sure the ID Type field on the Households screen is set to "22 - Personal Name/ID#/Non-resident Alien" if the Tax ID/Customer ID (on that same screen) is an ITIN. If the Social Security number is not reported (because it's an ITIN), make sure the Birth Date field is entered on the Households screen. According to Metro 2 guidelines, if the Social Security number is not reported, the Date of Birth is required.
8	Date of Birth	8	79-86	MMDDYYYY (NDBDAT) This is the co-borrower's birth date pulled from the Birth Date field (NDBDAT) on the Customer Relationship Management > Households screen > Name tab. The format used is: 0MMDDYYYY. Note: If this borrower only has an Individual Taxpayer Identification Number (ITIN), the Birth Date field must be entered.
9	Telephone Number	10	87-96	Must have Miscellaneous Option 4 turned on. If it is turned on, this is the phone number for any co-borrowers on the account. The system uses the home number of the co-borrower first, if one is present. If a home number is not available, the system uses the additional number. If the additional number is not present, the system uses the work number. Phone numbers are pulled from the Phones tab of the Customer Relationship Management > Households screen > Names tab.
10	ECOA Code	1	97	Pulls the ECOA Code (NTECOA) on the Customer Relationship Management > Households screen > Accounts tab. If loan not assumed, then it pulls the ECOA Code on the account. If loan assumed during the month (months difference between monthend date and LNASDT is less than one), then defaults to T (terminated); otherwise, it uses the ECOA Code on the account.
11	Consumer Information Indicator	2	98-99	The Consumer Information Indicator code (CIID) is automatically applied when certain bankruptcy transactions are run. It can also indicate if the consumer cannot be located or if the consumer has been located after being missing. This field can be maintained (with proper security) on the Customer Relationship Management > Households screen or the Loans > Bankruptcy and Foreclosure > Bankruptcy Detail screen.
12	Country Code	2	100-101	The Country Code field (J2 Segment Field 12) is now being pulled from the Country field on the Customer Relationship Management > Households screen > Addresses tab. If that field is blank, the system reports "U.S." in the Country Code field. This also applies to Field 39 (Country Code) in the Base Segment of the transmission.
13	First Line of Address	32	102-133	Property address 1 (NAADD1) from the Households screen, Addresses tab. If no property address, then mailing address line 1 is used. If loan assumed during the month (monthend date minus LNASDT is less than one), then uses the payee address (LAPADR) from the LA record. See J2 Segment description above if multiple borrowers.
14	Second Line of Address	32	134-165	Property address 2 (NAADD2) from the Households screen, Addresses tab. If no property address, then mailing address line 2 is used. If loan assumed during the month (monthend date minus LNASDT is less than one), then defaults to blanks. See J2 Segment description above if multiple borrowers.
15	City	20	166-185	Property city (NACITY) from the Households screen, Addresses tab. If no property address then mailing city is used. If loan assumed during the month (monthend date minus LNASDT is less than one), then uses the city (LAPCTY) from the LA record. See J2 Segment description above if multiple borrowers.
16	State	2	186-187	Property state abbreviation (MNSTAT) from MN record. If no property address, then mailing state abbreviation is used. If loan assumed during the month (monthend date minus LNASDT is less than one), then uses the state abbreviation (LASABR) from the LA record. See J2 Segment description above if multiple borrowers.
17	Postal/ZIP Code	9	188-196	Property ZIP and ZIP plus 4 (MNZIPC/MNZIP4) from MN record. If no property address, then mailing ZIP and ZIP plus 4 is used. If loan assumed during the month (monthend date minus LNASDT is less than one), then uses the ZIP code and the ZIP plus 4 (LAPZIP/LAZIP4) from the LA record. See J2 Segment description above if multiple borrowers.
18	Address Indicator	1	197	Defaults to N. If there is a code in the Address Indicator field on the Loans > Credit Reporting > Names tab > Addresses tab, that code is pulled into this field. Valid codes are: C – Confirmed/Verified Address Y – Customer’s Primary Address N – Unconfirmed Address M – Military Address S – Secondary Address B – Business Address (Not a Residence) U – Non-Deliverable Address/Returned Mail D – Data Reporter’s Default Address P – Bill Payer Service (Not a Residence)
19	Residence Code	1	198	Blanks
20	Reserved	2	199-200	Blanks

K1 Segment

Field	Field Name	Length	Position	Description
1	Segment Identifier	2	1-2	Defaults to K1
2	Original Creditor Name	30	3-32	Original creditor name (BUOCNM) If loan is originated (LNORGN=Y), then this field equals your institution’s name.
3	Creditor Classification	2	33-34	Creditor classification (BUCRCL) If the loan is originated (LNORGN=Y), then BUCRCL equals 08.

Field

Field Name

Length

Position

Description

Segment Identifier

1-2

Defaults to K1

Original Creditor Name

3-32

Original creditor name (BUOCNM)

If loan is originated (LNORGN=Y), then this field equals your institution’s name.

Creditor Classification

33-34

Creditor classification (BUCRCL)

If the loan is originated (LNORGN=Y), then BUCRCL equals 08.

K2 Segment

The K2 Segment is used to report the name of the company from which the account was purchased or the name of the company to which the account was sold. If no loans were purchased or sold this month, the K2 segment is not included with the Credit Report and transmission.

Note: When loans are sold using CIM GOLD, the system automatically assigns the loan account with the appropriate Credit Bureau Account Status code (e.g., Credit Bureau Account Status code 05 for transferred account), however, the system does not automatically file maintain the K2 Purchased From Sold To Indicator (M1K2IN) and K2 Purchased From Sold To Name (M1K2NM) fields. You must make the changes to these fields on the Credit Reporting screen if the loan was purchased or sold.

Field	Field Name	Length	Position	Description
1	Segment Identifier	2	1-2	Defaults to K2
2	Purchased From/Sold To Indicator	1	3	This is pulled from the K2 Purchased From Sold To Indicator field on the Credit Reporting screen > Reporting Codes & Original Information tab. This is user-entered and contains one of the following codes: 1 = Portfolio Purchased From Name 2 = Sold To Name 9 = Remove Previously Reported K2 Segment Information If this field is equal to "1," it is only reported in the K2 Segment of the Credit Report and transmission if the Purchase Date (LNPUDT) on the loan is in the current reporting cycle. If this field is equal to "2," it is only reported in the K2 Segment of the Credit Report and transmission if the Inter-Office Move to Account (M1IOTA) is zero and there is an Action Code 104 on the account and the Action Date is within the reporting period. We do not report closed loans as sold loans.
3	Purchased Portfolio or Sold To Name	30	4-33	Name of the company the loan was sold to. This is pulled from the K2 Purchased From Sold To Name field on the Credit Reporting screen > Reporting Codes & Original Information tab. This field is blank if the loan was not sold.
4	Reserved	1	34	Blanks

K3 Segment

This section is only populated if there is an investor master number on the account. An investor master means the loan is secured by an investor. See the Investor screen for more information on Investor loans.

Field	Field Name	Length	Position	Description
1	Segment Identifier	2	1-2	Defaults to K3
2	Agency Identifier	2	3-4	If investor master identifier (IMIDE), equals 2 then defaults to 1. If investor master identifier (IMIDE), equals 3 then defaults to 2.
3	Account Number	18	5-22	Investor assigned account number (LNIACT).
4	Mortgage Identification Number	18	23-40	Blanks

K4 Segment

This section is included if the loan is deferred, as described below.

If a Regular Deferment is run on a transaction using Deferment Reason Code 6, the deferred account will be flagged as a natural/declared disaster. Two institution options are available that will automatically update the Special Comment Code and Account Status accordingly:

1.If institution option K402 is set, the Account Status will be reported with “11” (current account) and Special Comment Code “AW.”

2.If institution option K403 is set, the account will be reported with the same information as regular deferments (see above), but with Special Comment Code “AW" only. The Account Status will be "11" if the account was current before the deferment was run; or the Account Status as it was reported the previous month (if in delinquency).

Additionally, the account will be reported as follows:

•The Terms Duration (Base field 13) field will be blank.

•The Terms Frequency (Base field 14) field will be “D” (deferred).

•The Scheduled Monthly Payment Amount (Base field 15) will be zero.

•The current Payment History Profile (Base field 18) will reflect a “B” if deferring the first payment; “D” if previously in repayment.

•Amount Past Due (Base field 22) will be zero.

•The K4 Segment for Specialized Payment Information will be included in the transmission. It will be populated as follows:

oThe Segment Identifier (Field 1) will be “K4” (default).

oThe Specialized Payment Indicator (Field 2) will be “02” (deferred payment).

oThe Deferred Payment Start Date (Field 3) will be the date when the deferment period starts (uses mnemonic BUSTRP). The Deferred Due Date (D0DUDT) on the Loans > Deferments screen will be the date reported for the Deferred Payment Start Date for Credit Reporting.

oThe Payment Due Date (Field 4) will be the date when the deferment period ends and the next payment is due (uses mnemonic BUSTDF). The Next Due Date (D0DUNX) on the Loans > Deferments screen will be the date reported for the Payment Due Date for Credit Reporting.

oThe balloon Payment Amount (Field 5) will be blank.

Deferments run with Deferment Reason Code 6 can only be included with the following transactions:

•Deferment Payment Transaction (tran code 2600-11)

•Deferment By Code Transaction (tran code 2600-13)

•No Rules Deferment (tran code 2600-17)

•Deferment with Reason (tran code 2600-35)

•Fee Reg Deferment (tran code 2600-50)

Special Option to Not Report Deferments to Credit Bureaus

An institution option is available that will not report deferments of any kind to the credit repositories during monthend Credit Reporting. This option, OP32 NRDF, stops the K4 Segment of the Credit Reporting transmission from being included. The K4 Segment (Deferred Payments) is used to report deferments, but that will not be included if the NRDF option is set. Any Special Comments that accompanied some deferments (such as natural disaster (AW) or hardship (CP)) are also not included in the Credit Reporting transmission. Contact your GOLDPoint Systems account manager if your institution would like this option set up.

Note: Setting this option does not change previously reported deferments before the option was set. For example, if this option is turned on this month for your institution, but last month loans were reported with a deferment, the past deferments are still reported. Going forward after the option is set, loans in deferment are no longer reported in the K4 Segment (Deferred Payments) of the Credit Report transmission.

See also: Deferment field group on the Credit Reporting screen > Credit Reporting & Loan Information tab.

Field	Field Name	Length	Position	Description
1	Segment Identifier	2	1-2	Defaults to K4
2	Specialized Payment Indicator	2	3-4	Special payment indicator (BUSPPI) For deferred loans, this will be reported as "02" (deferred payment) for the month (or months) the deferment takes place. If maturity modifier (LNMATM) equals 1, then BUSPPI equals "01" (balloon payment). If there is an Action Code 1 on the account, then BUSPPI equals 01. If there is an Action Code 18 on the account, then BUSPPI equals 01.
3	Deferred Payment Start Date	8	5-12	The Deferred Payment Start Date (Field 3) will be the date when the deferment period starts (uses mnemonic BUSTRP). The Deferred Due Date (D0DUDT) on the Loans > Deferments screen will be the date reported for the Deferred Payment Start Date for Credit Reporting. For balloon payments, this field will be blank.
4	Payment Due Date	8	13-20	The Payment Due Date (Field 4) will be the date when the deferment period ends and the next payment is due (uses mnemonic BUSTDF). The Next Due Date (D0DUNX) on the Loans > Deferments screen will be the date reported for the Payment Due Date for Credit Reporting. For balloon payments, this will the Action Code 1 date.
5	Balloon Payment Amount	9	21-2	Blanks, unless a balloon payment.
6	Reserved	1	30	Blanks

L1 Segment (Account Number/Identification Number Change)

This segment is only included if an account was moved from one office to another using the Loans > Inter-Office Move screen. Or you transferred accounts from your institution to another institution. Accounts are reported to the Credit Bureaus the month the accounts were moved. The month after reporting, the accounts are no longer included in the L1 Segment. This segment notifies credit repositories that the account number needs to be updated with the new account number.

•If an account was moved to another branch (office) using the Inter-Office Move screen (a value is in the M1IOTD (Move to Date)), then the system no longer reports the old account number.

•If an account was moved from another account (has a value in M1IOFD (move from date)) and the move from date (M1IOFD) is in the reporting month, then the system puts the new account into the Base Segment, populates the Base Segment account number with the value in M1IOFA (Move from Account), and puts the new account's number into the L1 segment.

•If M1IOFD (Move from Date) is prior to the reporting month, then report the account as normal.

IMPORTANT: For loans moved from one office to another using the Inter-Office Move screen, the Report Setup screen must include the Misc Loan Fields - M1 in the Input Records. Your GOLDPoint Systems account manager should set up this report for you, as shown below:

GPS Only: Loan Report Setup Screen
(click to expand)

Field	Field Name	Length	Position	Description
1	Segment Identifier	2	1-2	Defaults to L1
2	Change Indicator	1	3	•If just the account number was changed (moved), then the Change Indicator will be "1." (For example, an account moved from one office to another office, but both offices use the same credit agency subscriber number.) •If both the account number and the credit agency subscriber number changed (New Identification Number), the system assigns "3" to the Change Indicator.
3	New Consumer Account Number	30	4-33	This is the loan Account Number (BU4NBR) and Check Digit (LNCKDG) of the new loan account number after the loan was moved using the Loans > Inter-Office Move screen
4	New Identification Number	20	34-53	This field is blank if the agency subscriber number did not change when the loan account was moved from one office to another. If the new office has a different subscriber number than the first office, this field displays the new credit agency subscriber number. The new ID/subscriber number in any L1 segment is determined by looking up the credit reporting agency's subscriber number in the GOLD Services > Office Information record using the office of the account in the L1 segment. If there is no Office Information table for that office, then the system uses the default subscriber number from the institution option record (EXPR, TRNS, EQUI, CCA3).
5	Reserved	1	54	Blanks

N1 Segment (Employment)

The N1 Segment reports employment information concerning the account owner. This segment is not included in the Credit Reporting transmission if Miscellaneous Option 3 is set up on the Report Setup screen. Contact your GOLDPoint Systems account manager if your institution does not want this segment included. Information for this segment is pulled from the Customer Relationship Management > Employment Information screen.

Field	Field Name	Length	Position	Description
1	Segment Identifier	2	1-2	Defaults to N1
2	Employer Name	30	3-32	Pulled from the Employer field (EIEMPN) on the Loans > Marketing and Collections > CIF tab > Employment Information field group.
3	First Line of Employer Address	32	33-64	Pulled from the Address field (EIEMPA) on the Loans > Marketing and Collections > CIF tab > Employment Information field group.
4	Second Line of Employer Address	32	65-96	Blanks
5	Employer City	20	97-116	Pulled from the City field (EIEMPC) on the Loans > Marketing and Collections > CIF tab > Employment Information field group.
6	Employer State	2	117-118	Pulled from the State field (EIEMPS) on the Loans > Marketing and Collections > CIF tab > Employment Information field group.
7	Employer Postal/ZIP Code	9	119-127	Pulled from the Zip field (EIEMPZ) on the Loans > Marketing and Collections > CIF tab > Employment Information field group.
8	Occupation	18	128-145	Pulled from the Occupation field (EIOCCD) on the Loans > Marketing and Collections > CIF tab > Employment Information field group.
9	Reserved	1	146	Blanks

Trailer Record

Field	Field Name	Length	Position	Description
1	Record Descriptor Word (RDW)	4	1-4	Defaults to 366
2	Record Identifier	7	5-11	Defaults to TRAILER
3	Total Base Records	9	12-20	Total of base segment records (calculated)
4	Reserved	9	21-29	Blank or zero
5	Total of Status Code DF	9	30-38	Total of all base records with a processing indicator equal to 2 (calculated)
6	Total Associated Consumer Segments (J1)	9	39-47	Total of J1 segment records (calculated)
7	Total Associated Consumer Segments (J2)	9	48-56	Total of J2 segment records (calculated)
8	Block Count	9	57-65	Zeroes
9	Total of Status Code DA	9	66-74	Total of all base records with an account status equal to DA (calculated)
10	Total of Status Code 05	9	75-83	Total of all base records with an account status equal to 05 (calculated)
11	Total of Status Code 11	9	84-92	Total of all base records with an account status equal to 11 (calculated)
12	Total of Status Code 13	9	93-101	Total of all base records with an account status equal to 13 (calculated)
13	Total of Status Code 61	9	102-110	Total of all base records with an account status equal to 61 (calculated)
14	Total of Status Code 62	9	111-119	Total of all base records with an account status equal to 62 (calculated)
15	Total of Status Code 63	9	120-128	Total of all base records with an account status equal to 63 (calculated)
16	Total of Status Code 64	9	129-137	Total of all base records with an account status equal to 64 (calculated)
17	Total of Status Code 65	9	138-146	Total of all base records with an account status equal to 65 (calculated)
18	Total of Status Code 71	9	147-155	Total of all base records with an account status equal to 71 (calculated)
19	Total of Status Code 78	9	156-164	Total of all base records with an account status equal to 78 (calculated)
20	Total of Status Code 80	9	165-173	Total of all base records with an account status equal to 80 (calculated)
21	Total of Status Code 82	9	174-182	Total of all base records with an account status equal to 82 (calculated)
22	Total of Status Code 83	9	183-191	Total of all base records with an account status equal to 83 (calculated)
23	Total of Status Code 84	9	192-200	Total of all base records with an account status equal to 84 (calculated)
24	Total of Status Code 88	9	201-209	Total of all base records with an account status equal to 88 (calculated)
25	Total of Status Code 89	9	210-218	Total of all base records with an account status equal to 89 (calculated)
26	Total of Status Code 93	9	219-227	Total of all base records with an account status equal to 93 (calculated)
27	Total of Status Code 94	9	228-236	Total of all base records with an account status equal to 94 (calculated)
28	Total of Status Code 95	9	237-245	Total of all base records with an account status equal to 95 (calculated)
29	Total of Status Code 96	9	246-254	Total of all base records with an account status equal to 96 (calculated)
30	Total of Status Code 97	9	255-263	Total of all base records with an account status equal to 97 (calculated)
31	Total of ECOA Code Z (All Segments)	9	264-272	Total of all base records with an ECOA code equal to Z (calculated)
32	Total Employment Segments	9	273-281	Total of N1 segment records (calculated)
33	Total Original Creditor Segments	9	282-290	Total of K1 segment records (calculated)
34	Total Purchased Portfolio/Sold To Segments	9	291-299	Total of K2 segment records (calculated)
35	Total Mortgage Information Segments	9	300-308	Total of K3 segment records (calculated)
36	Total Specialized Payment Information Segments	9	309-317	Total of K4 segment records (calculated)
37	Total Change Segments	9	318-326	Total of L1 segment records (calculated)
38	Total Social Security Numbers (All Segments)	9	327-335	Total of all base records, J1 records, and J2 records with an Social Security number greater than zero (calculated)
39	Total Social Security Numbers (Base Segments)	5	336-344	Total of all base records with an Social Security number greater than zero (calculated)
40	Total Social Security Numbers (J1 Segments)	5	345-353	Total of all J1 records with an Social Security number greater than zero (calculated)
41	Total Social Security Numbers (J2 Segments)	5	354-362	Total of all J2 records with an Social Security number greater than zero (calculated)
42	Total Dates of Birth (All Segments)	5	363-371	Total of all base records, J1 records, and J2 records with a birth date greater than zero (calculated)
43	Total Dates of Birth (Base Segments)	5	372-380	Total of all base records with a birth date greater than zero (calculated)
44	Total Dates of Birth (J1 Segments)	5	381-389	Total of all J1 records with a birth date greater than zero (calculated)
45	Total Dates of Birth (J2 Segments)	5	390-398	Total of all J2 records with a birth date greater than zero (calculated)
46	Total Telephone Numbers (All Segments)	5	399-407	Total of all base records, J1 records, and J2 records with a telephone number greater than zero (calculated)
47	Reserved	130	408-426	Blanks