TRADE INFORMATION DESCRIPTIONS
Types of accounts:
O — Open account (30 days or 90 days)
R — Revolving or option (open–end account)
I — Instalment (fixed number of payment)
C — Line of Credit
M — Mortgage
Manner of payment (North American Standards account ratings):
0 — Too new to rate; approved but not used.
1 — Pays (or paid) within 30 days of payment due date or not over one payment past due.
2 — Pays (or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than two payments past due.
3 — Pays (or paid) in more than 60 days from due date, but not more than 90 days, or not more than three payments past due.
4 — Pays (or paid) in more than 90 days from due date, but not more than 120 days, or four payments past due.
5 — Account is at least 120 days overdue but is not yet rated “9”.
7 — Making regular payments under a consolidation order or similar arrangement.
8 — Repossession (voluntary or involuntary return of merchandise).
9 — Bad debs; placed for collection; skip.
Key words are specific abbreviations in various sections of the credit life. Please use this list to interpret the abbreviations when you see them.
A   Spousal account
ACC   Account number
AGE   Age of subject
AKA   Also known as
BDS   Birth date – Subject
BRN   Creditor’s name and/or address
BUS   Business industry code
CA   Current address
CASE NO.   Case number
CDC   Consumer debt counseling
CF   Co-subject/s former employment
CHKAC   Chequing account
CRCLD   Court consolidation
CRT   Update by in-house operator
DAPA   Debtor assistance pool account
DIS   Dispute following resolution
DLA   Date of last activity
DN   Death notice
DVFD   Divorce filed
DVFL   Divorce final
EC   Spouse’s current employment
EF   Spouse’s former employment
EMP   Date employed
ES   Employment — subject
E2   Subject’s second former Employment
FA   Former address
FAD   File activity date
FB   Foreign bureau
FN   File number or former name (depends on line)
FS Date   file was established
H/C   High Credit
I   Instalment (account/individual)
ID   Identification information
IN VOL   Involuntary
INVER   Indirectly verified
LEFT   Date left employment
LIAB   Liabilities (amount)
MAR   Marital status
MATURE   Date of maturity
MR   Months reviewed
N/RES   Non-responsibility notice
NSF   Non-sufficient funds
NV   Not Verified
O   Own or open account
OPD   Orderly payment of debt
PD   Date paid
P/D   Past due amount
PR/BK   Proposal under bankruptcy
PR/OI   Public records or other information
R   Revolving account
RPTD   Date reported
RT   Current rating
SAVAC   Saving account
SECLN   Secured loan
SINCE   Date file was established
SPECL   Special notice item
SSC   Social insurance /spouse
SSS   Social insurance/subject
STJD   Satisfied judgment
STS   System-to-system customer
UN   Unique file number
UPCL   Unpaid collection
VER   Date verified
VLDEP   Voluntary deposit
W   Widow, widower
XX   Automatic combine
For more information on how Equifax Consumer Credit Reports can build your business, contact your local Equifax representative or call toll free 1-877-227-8800.