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

B   Both

BAL   Balance

BDS   Birth date – Subject

BKRPT   Bankruptcy

BRN   Creditor’s name and/or address

BUS   Business

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

D   Divorced

DAPA   Debtor assistance pool account

DEF   Defendant

DEPS   Dependents

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)

FORCL   Foreclosure

FS Date   file was established

GARN   Garnishment

H/C   High Credit

I   Instalment (account/individual)

ID   Identification information

IND   Individual

INQS   Inquiries

IN VOL   Involuntary

INVER   Indirectly verified

J   Joint

JUDG   Judgment

LEFT   Date left employment

LIAB   Liabilities (amount)

LWR   Lawyer

M   Married

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

P   Separated

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

S   Single

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

TRMS   Terms

U   Unknown

UN   Unique file number

UPCL   Unpaid collection

VER   Date verified

VLDEP   Voluntary deposit

VOL   Voluntary

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.