| CreditReportIdentifier | A reference number assigned by the credit bureau to a specific credit report. This report number is also referenced when a Reissue, Upgrade, or Status Query of an existing report is requested.A data type of Identifier SHOULD identify a data point that provides a unique value for reference purposes and MAY have IdentifierOwnerURI and IdentifierEffectiveDate attributes.
EXAMPLE: A Loan Identifier could be expressed as "0034567891-A". |
| CreditReportType | The type of credit report that was requested or produced. Most common types are Merged report (data from credit data repositories is merged), and RMCR (Residential Mortgage Credit Report - contains verified liabilities, employment, etc.)The type of credit report that was requested or produced. Most common types are Merged report (data from credit data repositories is merged), and RMCR (Residential Mortgage Credit Report - contains verified liabilities, employment, etc.) |
| CreditReportTypeOtherDescription | When Credit Report Type is set to Other, enter its description in this 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.". |
| CreditRepositorySingleSourceIndicator | If true, indicates the credit report was based on the input from a single credit repository. Also known as a single in-file credit report.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". |
| CreditRepositorySourceIndicator | Indicates whether a Credit Repository Source is available. If a Credit Repository Source is available then the source can be provided in Credit Repository Source Type.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". |
| CreditRepositorySourceType | This element describes the source of the credit file, Equifax, Experian, Trans Union or Unspecified if the specific sources are not specified.This element describes the source of the credit file, Equifax, Experian, Trans Union or Unspecified if the specific sources are not specified. |
| CreditRepositorySourceTypeOtherDescription | When Credit Repository Source 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.". |
| 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.". |
| CreditScoreDate | Date that the referenced credit score was produced.A data type of Date SHOULD identify a data point that represents numerically a specific year, month and year, or day month and year of the Gregorian Calendar.
Full dates MUST be represented in the extended format CCYY-MM-DD
CCYY is a four-digit year, "0001" through "9999"
MM is a two-digit month of that year, "01" through "12"
DD is a two-digit day of that month, "01" through "31"
Padded zeros must be used.
- is the required separator between CCYY-MM-DD
if the day or month and day are dropped, the preceding separator is also dropped
an optional trailing time zone indicator is permitted using either Z (for Coordinated Universal Time UTC) or an offset from UTC using +hh:mm or -hh:mm as in Datetime
Note that negative or extended (more than 4 digit) years are not permitted.
EXAMPLE: A Next Escrow Review Date that discloses the year and month would be expressed as "2010-06". |
| CreditScoreExclusionReasonType | An enumerated list of reasons why a credit score could not be generated.An enumerated list of reasons why a credit score could not be generated. |
| CreditScoreFACTAInquiriesIndicator | This indicator is set to True when the Credit Risk Score Value of the borrower was negatively affected by the presence of credit inquiry records on their credit report. There may be FACT Act compliance requirements related to this alert message.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". |
| 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.". |
| CreditScoreRankPercentileDescription | A detailed description of how the credit score compares to the scores of other consumers.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.". |
| CreditScoreRankPercentileValue | The percentile that the parties credit score is in comparison to all consumers.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". |
| CreditScoreValue | Numeric credit score resulting from credit evaluation model.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". |
| EXTENSION | |