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Glossary of terms and codes in the Experian Collection Report
The following are definitions for terms and codes that may appear in the "Tradeline Information" band on the Experian Collection Report. Some of the data elements also appear on the Experian Credit Profile report, but they are coded differently on the collection reports to more precisely categorize data according to the specific needs of collectors.

O Accounts opened within the last six months
B Tradelines under debt counseling

Status indicators

X Accounts belonging to persons reported as deceased
C Current accounts, including those previously delinquent
D Present delinquent and derogatory accounts, including collection accounts
P Paid and closed accounts, including those reported on bankruptcy filings
U Disputed accounts

Types of accounts

AUT Auto loans, including leases
ILN Installment loans, including secured and unsecured, educational, governmental, credit lines and purchases made in installments
REL Conventional, FHA and VA mortgage loans, plus real estate loans for home improvement and mobile homes
BCC Bank credit card
RET Retail charge card
CHG Charge cards such as those issued by the savings and loan, credit union and travel and entertainment industries
OTH Other account types, including collections, insurance claims or unreported types

Amount available definitions

For the following types of accounts and industries, one of four different symbols can appear in the amount available data field:

  • Types of accounts
    7 Charge card
    15 Line of credit
    18 Credit card
    37 Combined credit plan (credit card with attached line of credit)
  • Industries
    1 Bank
    2 Bank card
    3 Retail
    4 Travel & entertainment
    5 Loan finance
    6 Sales finance
    7 Credit union
    8 Savings & loan
    9 Service and professional

For revolving bank-type credit cards, an actual dollar amount can display. This represents the difference between the credit limit and balance.

"$0" displays when the account is paid or over its limit.

"UNK" displays when the amount is unknown. This is typically the case with revolving credit cards having unrestricted charge limits.

"---" displays for revolving credit cards in industry categories 3, 5, 6 and 9, where cash advances are typically not available.

"---" also displays for all non-revolving accounts, regardless of the reporting industry.


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