Collect! Credit and Collection Software™

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How To Read The Metro Contact Description

These tables give a brief explanation, taken from the Metro2 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

Useful Note These tables are for your convenience. For in depth explanations, please refer to the Metro2 manual or ask your credit bureau representative

Metro Description CodeMetro2 NamePosition in FileValuesDescriptions
TT Transaction Type231  
   1Newly Opened Account
   2Name Change
   3 Address 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 CodeMetro2 NamePosition in FileValuesDescriptions
UIUpdate Indicator20  
   0Normal Update
   1Correction

Metro Description CodeMetro2 NamePosition in FileValuesDescriptions
SCSpecial Comment151-152  
   @None Specified
   -Removes Any Previously Reported Comment Code
   BPayments Managed by Credit Counseling Service
   CPaid by Co-Maker
   HLoan Assumed by Another Party
   IElection of Remedy
   MAccount Closed at Credit Grantor's Request
   OAccount Transferred to Another Lender
   SSpecial Handling
   VAdjustment Pending
   ABDebt Being Paid Through Insurance
   ACPaying Under a Partial Payment Agreement
   AG Simple Interest Loan
   AHPurchased by Another Lender
   AIRecalled to Active Military Duty
   AJPayroll Deduction
   ALStudent Loan
   AMAccount Payment Assured by Wage Garnishment
   ANAccount Acquired by RTC/FDIC
   AOVoluntarily Surrendered, then Redeemed
   APCredit Line Suspended
   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
   AXAccount Paid from Collataral
   AZRedeemed Repossession
   BATransferred to Recovery
   BBFull Termination/Status Pending
   BCFull Termination/Obligation Satisfied
   BDFull Termination/Balance Owing
   BEEarly Termination/Status Pending
   BFEarly Termination/Obligation Satisfied
   BGEarly Termination/Balance Owing
   BHEarly Termination/Insurance Loss
   BIInvoluntary Repossession
   BJInvoluntary Repossession/Obligation Satisfied
   BKInvoluntary Repossession/Balance Owing
   BLCredit Card Lost or Stolen
   BNPaid by Company which Originally Sold the Merchandise
   BOForeclosure proceedings started
   BPPaid through Insurance
   BSPrepaid Lease
   BTPrincipal Deferred/Interest Payment Only
   CHGuaranteed/Insured
   CIAccount closed due to inactivity
   CJCredit line no longer available – in repayment phase
   CKCredit line reduced due to collateral depreciation
   CLCredit line suspended due to collateral depreciation
   CMCollateral released by creditor / Balance owing
   CNLoan modified under a federal government plan
   COLoan modified
   CPAccount in forbearance
   CSFor Use by Child Support Agencies Only
   DEDebt Extinguished Under State Law

Metro Description CodeMetro2 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 CodeMetro2 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
   88 Filed 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
   94 Foreclosure/ 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
   DF Delete entire account due to confirmed fraud (fraud investigation completed)
Metro Description CodeMetro2 NamePosition in FileValuesDescriptions
ATAccount Type74-75  
   Choices change depending on Industry 
   Please refer to Metro2 Manual for details 
Metro Description CodeMetro2 NamePosition in FileValuesDescriptions
CCCountry Code328-329  
   Standard two-character abbreviation 
Metro Description CodeMetro2 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 CodeMetro2 NamePosition in FileValuesDescriptions
CSCosigner YReport Cosigner YES
   NReport Cosigner NO
Metro Description CodeMetro2 NamePosition in FileValuesDescriptions
SGCosigner Segment 2Not used
Metro Description CodeMetro2 NamePosition in FileValuesDescriptions
PTPortfolio Type73  
   CLine of credit
   IInstallment
   MMortgage
   OOpen Account
   RRevolving

Metro Description CodeMetro2 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
   XE Closed at cons request, dispute completed, consumer disagrees.
   XFAccount in dispute under Fair Credit Billing Act
   XGFCBA Dispute resolved - consumer disagrees
   XH Previously in dispute - now resolved, reported by credit grantor
   XRRemoves the most recently reported Compliance Condition Code.

Metro Description CodeMetro2 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 CodeMetro2 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 CodeMetro2 NamePosition in FileValuesDescriptions
FNFile Number43-72Debtor File Number or Client Acct. # 

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