TRADE INFORMATION DESCRIPTIONS
Types of accounts:
O — Open account (30 days or 90 days)
R — Revolving or option (open–end account)
I — Instalment (fixed number of payment)
C — Line of Credit
M — Mortgage
Manner of payment (North American Standards account ratings):
0 — Too new to rate; approved but not used.
1 — Pays (or paid) within 30 days of payment due date or not over one payment past due.
2 — Pays (or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than two payments past due.
3 — Pays (or paid) in more than 60 days from due date, but not more than 90 days, or not more than three payments past due.
4 — Pays (or paid) in more than 90 days from due date, but not more than 120 days, or four payments past due.
5 — Account is at least 120 days overdue but is not yet rated “9”.
7 — Making regular payments under a consolidation order or similar arrangement.
8 — Repossession (voluntary or involuntary return of merchandise).
9 — Bad debs; placed for collection; skip.
GLOSSARY
Key words are specific abbreviations in various sections of the credit life. Please use this list to interpret the abbreviations when you see them.
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A   Spousal account ACC   Account number AGE   Age of subject AKA   Also known as B   Both BAL   Balance BDS   Birth date – Subject BKRPT   Bankruptcy BRN   Creditor’s name and/or address BUS   Business BUS   Business industry code CA   Current address CASE NO.   Case number CDC   Consumer debt counseling CF   Co-subject/s former employment CHKAC   Chequing account CRCLD   Court consolidation CRT   Update by in-house operator D   Divorced DAPA   Debtor assistance pool account DEF   Defendant DEPS   Dependents DIS   Dispute following resolution DLA   Date of last activity DN   Death notice DVFD   Divorce filed DVFL   Divorce final EC   Spouse’s current employment EF   Spouse’s former employment EMP   Date employed ES   Employment — subject E2   Subject’s second former Employment FA   Former address FAD   File activity date FB   Foreign bureau FN   File number or former name (depends on line) FORCL   Foreclosure FS Date   file was established GARN   Garnishment H/C   High Credit I   Instalment (account/individual) ID   Identification information IND   Individual |
INQS   Inquiries IN VOL   Involuntary INVER   Indirectly verified J   Joint JUDG   Judgment LEFT   Date left employment LIAB   Liabilities (amount) LWR   Lawyer M   Married MAR   Marital status MATURE   Date of maturity MR   Months reviewed N/RES   Non-responsibility notice NSF   Non-sufficient funds NV   Not Verified O   Own or open account OPD   Orderly payment of debt P   Separated PD   Date paid P/D   Past due amount PR/BK   Proposal under bankruptcy PR/OI   Public records or other information R   Revolving account RPTD   Date reported RT   Current rating S   Single SAVAC   Saving account SECLN   Secured loan SINCE   Date file was established SPECL   Special notice item SSC   Social insurance /spouse SSS   Social insurance/subject STJD   Satisfied judgment STS   System-to-system customer TRMS   Terms U   Unknown UN   Unique file number UPCL   Unpaid collection VER   Date verified VLDEP   Voluntary deposit VOL   Voluntary W   Widow, widower XX   Automatic combine |
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