| CreditBusinessType | The credit repository bureaus can identify the type of business of the liability holder or the entity requesting a credit report as listed in a credit inquiry record. This information is needed for an automated scoring application. This data is available for liability and inquiry records from Equifax, Experian and Trans Union.The credit repository bureaus can identify the type of business of the liability holder or the entity requesting a credit report as listed in a credit inquiry record. This information is needed for an automated scoring application. This data is available for liability and inquiry records from Equifax, Experian and Trans Union. |
| CreditInquiryDate | The date of the credit inquiry.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". |
| CreditInquiryResultType | The result from a credit inquiry - did the lender offer credit, refuse credit, etc.The result from a credit inquiry - did the lender offer credit, refuse credit, etc. |
| CreditLoanType | This element contains an enumerated list of common loan types. If the loan type is Other, then the description is entered into the Credit Loan Type Other Description element.This element contains an enumerated list of common loan types. If the loan type is Other, then the description is entered into the Credit Loan Type Other Description element. |
| CreditLoanTypeOtherDescription | If Credit Loan Type was set to Other, then this element will contain a description of the loan 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.". |
| DetailCreditBusinessType | Provides a more detailed description of the Credit Business Type.Provides a more detailed description of the Credit Business Type. |
| DuplicateGroupIdentifier | Data records with the same Duplicate Group Identifier value have been identified as being duplicate records from different sources. Within a set of records that have the same Duplicate Group Identifier, one record is marked with a Primary Record Indicator set to "True", indicating that this record has been identified as the record out of the group that should be used for evaluation of credit. The remaining records in the group should have a Primary Record Indicator set to "False".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". |
| EXTENSION | |
| PrimaryRecordIndicator | If this indicator is missing or if this indicator is set to "True", the data element is the primary record to be used for output and evaluation. Most mortgage credit report data is collected from multiple sources (i.e. Equifax, Experian and Trans Union), and combined into a single data set that does not contain duplicate data. In most credit reports, only the primary, merged data is returned. For these reports, the Primary Record Indicator can be left out completely or if it is provided is should be set to "True". Some credit reports are provided that contain both the primary, merged data, plus the original records that were considered duplicates of each other that were used to derive the primary record. These duplicates that contained the original, unmerged data will have a Primary Record Indicator value of "False".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". |