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CREDIT BUREAU CODES
PUBLIC RECORDS
5. If there are any civil actions with dollar amounts
awarded, they will appear below the score summary in
a field named Public Records. Public Record information
consists of bankruptcies, liens and civil actions against
a consumer. This information will include; the reporting
account's name and number, original filing date with
court, status date if status is satisfied, released,
vacated, discharged or dismissed, amount and type of
public record, certificate or docket number, and code
describing the consumer's association to the public
record item per the Equal Credit Opportunity Act. Also
provided is the book and page number; plaintiff name;
liability and asset amounts for bankruptcies only, voluntary
indicator for bankruptcies only. (These may be displayed
as VOLUN or INVOL, and an asterisk preceding public
record information or a trade line indicates that information
may been further review.
*CHINO DISTRICT COURT
C#: 45078321 11-20-92 12-01-93
1 BP: B476P210 3011111
PLAINTIFF BILL CLINTON $12,450 CIV CL JUD
*U S BANKRUPTCY COURT SAN BERN D# 9907648 6-10-91 3009999
$100,000-L BK 13-PETIT
VOLUN
TRADES
6. Under the trade portion of the credit report, creditors
report the amounts of loans and credit cards with payment
histories. The name of the creditor is in the left column,
the credit amount information in the center column,
and the payment history is in the right column. Note
in the center column L stands for the Loan amount or
Limit and H stands for the Highest Balance Owed on the
Account.
The most common of the codes used to describe an accounts
condition are as follows:
CURR ACCT ACCOUNT IS CURRENT IN PAYMENTS AND IN GOOD
STANDING
CUR WAS
30-2
ACCOUNT IS CURRENT WAS THIRTY DAYS LATE TWICE
PAID
ACCOUNT HAS BEEN PAID OFF TO A ZERO BALANCE AND IS INACTIVE
CHARGOFF
UNPAID BALANCE HAS BEEN REPORTED AS LOSS BY CREDIT
GRANTOR AND ARE NO LONGER SEEKING REIMBURSEMENT
COLLECT
ACOUNT IS SERIOUSLY PAST DUE AND ASSIGNED TO COLLECTIONS
FORECLOS
PROPERTY WAS FORECLOSED
BKLIQREQ
DEBT FORGIVEN THROUGH CHAPTER 7, 11, OR 13
DELINQ 60
ACCOUNT IS SIXTY DAYS PAST DUE
INACTIVE
ACCOUNT IS INACTIVE
CLOSED
ACCOUNT IS CLOSED
Experian Tutorial Continued
Citi Credit Bureau
Citi Credit Bureau
714-441-0083 fax 714-441-0085
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