ECOA Codes
This code is used to indicate an Authorized User account.
What is "A"?
Open Account
What is "O"?
Pays as Agreed
What is 01?
A date with a "C" next to it indicates this status occurred on that date
What is "Closed"
ECOA Code used to designate a deceased account.
What is "X"?
Type of account is "M"
What is a mortgage?
MOP 03
What is 60-89 Days Past Due?
An account would be "verified" on a particular date if this date code appears.
What is "V"?
"C"
What is joint contractual liability?
Accounts with reusable funds, such as Visa or department store cards, use this Type of Account Code.
What is "R"?
A voluntary repossession would show this MOP Code.
What is 8A?
The date an account charged off would reflect this letter next to the date.
What is "F"?
Individual account
What is "I"?
Installment accounts use this Type of Account code.
What is "I"?
An account that the creditor wrote off as a bad debt would reflect MOP of this code.
What is 09?
"R"
What is "reported"?
This code is used to indicate subject is a cosigner and is responsible for payment if maker defaults.
What is "S"?
Check Credit (line of credit)
What is "C"?
An account that has been included in a Chapter 13 Bankruptcy would show this MOP.
What is 07?
This letter next to a date would indicate the last date a creditor who uses automation reported the account.
What is "A"?