| CreditCommentCode | This is a code value that may be associated with Credit Comment Text data. This could be a repository bureau code (Equifax, Experian, Trans Union), or it could be a code provided by a lender, credit bureau or other source that is specified in the Credit Comment Source Type. The code value should be exactly as shown in the source document without any other characters such as a prefix.A data type of Code SHOULD identify a data point that is a look-up value for an entry in a list of values and explanations and MAY have CodeOwnerURI and CodeEffectiveDate attributes.
EXAMPLE: A State Code would be expressed as "AL". |
| CreditCommentCodeSourceType | This data element provides an enumerated list of sources for the Credit Comment Code data.This data element provides an enumerated list of sources for the Credit Comment Code data. |
| CreditCommentCodeSourceTypeOtherDescription | When Credit Comment 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.". |
| CreditCommentReportedDate | Indicates the date that the credit bureaus added the comment to the file of the borrower.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". |
| CreditCommentSourceType | This data element provides an enumerated list of sources for the Credit Comment data.This data element provides an enumerated list of sources for the Credit Comment data. |
| CreditCommentText | This data element holds comment text data that can appear in various locations on a credit report. The Credit Comment Source Type describes the source of the comment - borrower, credit bureau, lender, or repository bureau.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.". |
| CreditCommentType | Allows the credit bureau to identify the type of credit comment (e.g. Consumer Statement).Allows the credit bureau to identify the type of credit comment (e.g. Consumer Statement). |
| CreditCommentTypeOtherDescription | When Credit Comment 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.". |
| EXTENSION | |