Examples & Tutorials
Tired of the costs and headaches of managing your workstations, servers and backups? The Collect! Cloud Solution takes care of that, and you can work from anywhere in the world at any time!
“ I never needed any assistance with Collect! as it is so simple to use. ” Judy A.

Metro Contact Description Codes

These tables give a brief explanation, taken from the Metro 2 manual, for each of the settings Collect! enables you to choose in Credit Report Details.

The settings you select are "coded" and written into the Description field of the Metro Contact created for the Debtor. These settings are also updated automatically by Collect!, as needed, when the Debtor is worked. For instance, a Payment in Full will update the settings automatically to send this information the next time you run your credit report.


Metro Contact Description Codes

tip.gif These tables are for your convenience. For in depth explanations, please refer to the Metro 2 manual or ask your credit bureau representative.

Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
TTTransaction Type231  
   1Newly Opened Account
   2Name Change
   3Address Change
   5SSN Change
   6Name and Address Change
   8Name and SSN Change
   9Address and SSN Change
   AName, Address and/or SSN Change
   BlankNo change


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
UIUpdate Indicator20  
   0Normal Update
   1Correction


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
SCSpecial Comment151-152  
   @None Specified
   -Removes Any Previously Reported Comment Code
   BPayments Managed by Credit Counseling Service
   CPaid by Co-Maker
   MAccount Closed at Credit Grantor's Request
   OAccount Transfered to Another Lender
   SSpecial Handling
   VAdjustment Pending
   ABDebt Being Paid Through Insurance
   ACPaying Under a Partial Payment Agreement
   AHPurchased by Another Lender
   AIRecalled to Active Military Duty
   AJPayroll Deduction
   AMAccount Payment Assured by Wage Garnishment
   ANAccount Acquired by RTC/FDIC
   APCredit Line Suspended
   ARContingent Liability
   ASAccount Closed Due to Refinance
   ATAccount Closed Due to Transfer
   AUAccount Paid in Full for Less than the Full Balance
   AVFirst Payment Never Received
   AWAffected by Natural Disaster
   BATransferred to Recovery
   BLCredit Card Lost or Stolen
   BPPaid through Insurance
   BZJudgment Granted
   CSFor Use by Child Support Angencies Only


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
RIReporting Industry   
   @None Specified
   0Check Credit
    1Collection Agency
   2Credit Card
   3Credit Union
   4Debt Counselor
   5Educational
   6Family Support
   7Government Agency
   8Installment Loan
   9Loan Finance
   AMortgage Loan
   BRetail
   CSales Finance
   DSavings And Loans
   EService And Professionals


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
ASAccount Status124-125  
   5Account transferred to another office
   11Current account
   13Paid in full
   61Paid in full; voluntary surrender
   62Paid in full; collection account or claim
   63Paid in full; was a repossession
   64Paid in full; was a charge off
   65Paid in full; a foreclosure was started
   7130 days
   7860 days
   8090 days
   82120 days
   83150 days
   84180 days
   88Filed with govt. for insured portion on balance on defaulted loan
   89Deed received in lieu of foreclosure on a defaulted mortgage
   93Seriously past due and/or assigned to collections
   94Foreclosure/ credit grantor sold collateral to settle mortgage
   95Voluntary surrender
   96Merchandise taken back by grantor; may be a balance due
   97Unpaid balance reported as a loss by credit grantor
   DADelete entire account from credit bureau
   DFDelete entire account due to confirmed fraud (fraud investigation completed)


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
ATAccount Type74-75  
   Choices change depending on Industry 
   Please refer to Metro2 Manual for details 


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
CCCountry Code328-329  
   Standard two-character abbreviation 


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
ACAssociation Code325  
   @None Specified
   1Individual
   2Joint Contractual Liability
   7Maker
   TAssociation with account is terminated
   WBusiness/Commercial Non-Consumer account
   XConsumer is deceased
   ZDelete Borrower (Inaccurately reported consumers only)


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
CSCosigner YReport Cosigner YES
   NReport Cosigner NO


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
SGCosigner Segment 2Not used


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
PTPortfolio Type73  
   CLine of credit
   IInstallment
   MMortgage
   OOpen Account
   RRevolving


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
COCompliance Code153-154  
   @None Specified
   XAAccount closed at consumer's request
   XBAccount information disputed by consumer
   XCCompleted investigation of FCRA
   XDClosed at consumer's request & in dispute under FCRA
   XEClosed at cons request, dispute completed, consumer disagrees.
   XFAccount in dispute under Fair Credit Billing Act
   XGFCBA Dispute resolved - consumer disagrees
   XHPreviously in dispute - now resolved, reported by credit grantor
   XRRemoves the most recently reported Compliance Condition Code.


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
PRPayment Rating126  
   0Current account (0 -29 days past due)
   130-59 days past due
   260-89 days past due
   390-119 days past due
   4120-149 days past due
   5150-179 days past due
   6180 or more days past due
   GCollection
   LCharge-off


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
CIInformation Indicator326-327  
   @None Specified
   APetition for Ch. 7 Bankruptcy
   BPetition for Ch. 11 Bankruptcy
   CPetition for Ch. 12 Bankruptcy
   DPetition for Ch. 13 Bankruptcy
   EDischarged Through Bankruptcy CH. 7
   FDischarged Through Bankruptcy CH. 11
   GDischarged Through Bankruptcy CH. 12
   HDischarged Through Bankruptcy CH. 13
   ICh. 7 Bankruptcy Dismissed
   JCh. 11 Bankruptcy Dismissed
   KCh. 12 Bankruptcy Dismissed
   LCh. 13 Bankruptcy Dismissed
   MCh. 7 Bankruptcy Withdrawn
   NCh. 11 Bankruptcy Withdrawn
   OCh. 12 Bankruptcy Withdrawn
   PCh. 13 Bankruptcy Withdrawn
   QRemove previously reported indicator
   RReaffirmation of debt
   SRemove previous reaffirmation of debt
   TCredit grantor cannot locate consumer
   UConsumer now located


Metro Description CodeMetro 2 NamePosition in FileValuesDescriptions
FNFile Number43-72Debtor File Number or Client Acct. # 


Top of page.

Was this page helpful? Do you have any comments on this document? Can we make it better? If so how may we improve this page.

Please click this link to send us your comments: helpinfo@collect.org

Collection Advisor Veracode Verified RMA ACA Member