| CreditReferenceType | Specifies the type of credit history or type of payments used as credit history to establish acceptable credit reputation.Specifies the type of credit history or type of payments used as credit history to establish acceptable credit reputation. |
| CreditReferenceTypeOtherDescription | A free-form text field used to capture the Credit Reference Type if Other is selected.A data type of String SHOULD identify a data point that is either a text value consisting of a word, phrase, sentence, paragraph, or formatted (TAB, CR, LF) character content depending on its purpose or a numeric value with a maximum of 16383 characters and MAY have the lang attribute. There is no list of valid values provided.
EXAMPLE: A Disqualificaton Reason Text for excluding a product from those offered to a borrower could be expressed as "Does not meet income to indebtedness guidelines for down payment support.". |
| CreditScoreCategoryType | An enumerated list that describes the general type or purpose of a credit score model. This allows LOS systems to extract scores by a more general category, without having to know the specific score model names.An enumerated list that describes the general type or purpose of a credit score model. This allows LOS systems to extract scores by a more general category, without having to know the specific score model names. |
| CreditScoreCategoryTypeOtherDescription | When Credit Score Category Type is set to "Other", enter its value in this data element.A data type of String SHOULD identify a data point that is either a text value consisting of a word, phrase, sentence, paragraph, or formatted (TAB, CR, LF) character content depending on its purpose or a numeric value with a maximum of 16383 characters and MAY have the lang attribute. There is no list of valid values provided.
EXAMPLE: A Disqualificaton Reason Text for excluding a product from those offered to a borrower could be expressed as "Does not meet income to indebtedness guidelines for down payment support.". |
| CreditScoreCategoryVersionType | A value from a MISMO prescribed list that represents a specific version, release of a Credit Score Category Type.A value from a MISMO prescribed list that represents a specific version, release of a Credit Score Category Type. |
| CreditScoreCategoryVersionTypeOtherDescription | A free-form text field that specifies the enumeration when the value of Other is used for Credit Score Category Version Type.A data type of String SHOULD identify a data point that is either a text value consisting of a word, phrase, sentence, paragraph, or formatted (TAB, CR, LF) character content depending on its purpose or a numeric value with a maximum of 16383 characters and MAY have the lang attribute. There is no list of valid values provided.
EXAMPLE: A Disqualificaton Reason Text for excluding a product from those offered to a borrower could be expressed as "Does not meet income to indebtedness guidelines for down payment support.". |
| CreditScoreImpairmentType | Identifies a characteristic of the Credit Score that impairs its effectiveness as an indicator of credit risk.Identifies a characteristic of the Credit Score that impairs its effectiveness as an indicator of credit risk. |
| CreditScoreImpairmentTypeOtherDescription | A free-form text field used to collect additional information when Other is selected for Credit Score Impairment Type.A data type of String SHOULD identify a data point that is either a text value consisting of a word, phrase, sentence, paragraph, or formatted (TAB, CR, LF) character content depending on its purpose or a numeric value with a maximum of 16383 characters and MAY have the lang attribute. There is no list of valid values provided.
EXAMPLE: A Disqualificaton Reason Text for excluding a product from those offered to a borrower could be expressed as "Does not meet income to indebtedness guidelines for down payment support.". |
| CreditScoreModelNameType | A value from a MISMO prescribed list that specifies the score algorithm model name used to produce the referenced credit risk score.A value from a MISMO prescribed list that specifies the score algorithm model name used to produce the referenced credit risk score. |
| CreditScoreModelNameTypeOtherDescription | When the Credit Score Model Name Type is set to Other, this element holds the description.A data type of String SHOULD identify a data point that is either a text value consisting of a word, phrase, sentence, paragraph, or formatted (TAB, CR, LF) character content depending on its purpose or a numeric value with a maximum of 16383 characters and MAY have the lang attribute. There is no list of valid values provided.
EXAMPLE: A Disqualificaton Reason Text for excluding a product from those offered to a borrower could be expressed as "Does not meet income to indebtedness guidelines for down payment support.". |
| EXTENSION | |
| LoanCreditHistoryAgeType | Describes the period of time prior to the note date within which the credit history was obtained.Describes the period of time prior to the note date within which the credit history was obtained. |
| LoanCreditHistoryAgeTypeOtherDescription | A free-form text field used to collect additional information when Other is selected for the Loan Credit History Age Type.A data type of String SHOULD identify a data point that is either a text value consisting of a word, phrase, sentence, paragraph, or formatted (TAB, CR, LF) character content depending on its purpose or a numeric value with a maximum of 16383 characters and MAY have the lang attribute. There is no list of valid values provided.
EXAMPLE: A Disqualificaton Reason Text for excluding a product from those offered to a borrower could be expressed as "Does not meet income to indebtedness guidelines for down payment support.". |
| LoanLevelCreditScoreSelectionMethodType | Specifies the method used to select the Loan Credit Score across all borrowers.Specifies the method used to select the Loan Credit Score across all borrowers. |
| LoanLevelCreditScoreSelectionMethodTypeOtherDescription | A free-form text field used to collect additional information when Other is selected for the Loan Credit Score Selection Method Type.A data type of String SHOULD identify a data point that is either a text value consisting of a word, phrase, sentence, paragraph, or formatted (TAB, CR, LF) character content depending on its purpose or a numeric value with a maximum of 16383 characters and MAY have the lang attribute. There is no list of valid values provided.
EXAMPLE: A Disqualificaton Reason Text for excluding a product from those offered to a borrower could be expressed as "Does not meet income to indebtedness guidelines for down payment support.". |
| LoanLevelCreditScoreValue | The one credit score value that represents the overall credit risk on the loan. This value is determined using credit score values for each qualifying borrower.A data type of Value SHOULD identify a data point that is a String generated as the result of applying an algorithm to other data and MAY have AlgorithmURI and lang attributes.
EXAMPLE: A Delivery Point Bar Code Value could be expressed as "20500999901". |
| RiskUpgradeIndicator | Designates that there was an improvement to the credit grade due to compensating factors.A data type of Indicator SHOULD identify a data point that represents a boolean value.
The value choices SHOULD be "true" or "false" but MAY be "1" or "0".
EXAMPLE: A Basement Finished Indicator for a basement that qualifies would be expressed as "true". |