Table 7. adverse_action_codes

Values of the adverse_action_codes field. adverse_action_codes are only returned from CAN_EFX and CDC.

Canada (CAN_EFX)

Value Description
1 Average of Months Open on All Trades
2 Number of Trades Currently 90+ DPD
3 Number of Trades 60+DPD within the Last 2 Years
4 Number of Trades Ever 90+DPD Opened within Last 2 Years
5 Number of Rate 1 Trades on File
6 Number of Open Trades
7 Number of Trades with Amount Past Due
8 Number of Trades on File
9 Age of Oldest Trade
10 Percent of Rate 1 Trades to Total Trades on File
11 Worst Current Rate
12 Worst Rate Ever on All Trades
13 Number of Auto Finance Trades on File
14 Rate 1 on Open Auto Finance Trades
15 Number of Auto Finance Inquiries on File
16 Number of Bank Instalment Trades on File
17 Rate 1 on Open Bank Instalment Trades
18 Balance to High Credit on Bank Instalment Trades
19 Worst Current Rate on Bank Instalment Trades
20 Worst Rate Ever on Bank Instalment Trades
21 Number of Bank Inquiries on File
22 Number of Bank Revolving Trades on File
23 Number of Bank Revolving Trades Older than 6 Months
24 Age of Oldest Bank Revolving Trade
25 Rate 1 on Open Bank Revolving Trades
26 Balance to High Credit on Bank Revolving Trades
27 Worst Current Rate on Bank Revolving Trades
28 Worst Rate Ever on Bank Revolving Trades
29 Number of Collection Inquiries on File
30 Months Since Most Recent Collection Inquiry
31 Total Balance on Third Party Collection Items
32 Number of Third Party Collection Items within the Last 3 Years
33 Rate 1 on Open Credit Union Trades
34 Number of Finance Instalment Trades on File
35 Rate 1 on Open Finance Instalment Trades
36 Balance to High Credit on Finance Instalment Trades
37 Number of Personal Finance Inquiries in the Last Year
38 Number of Personal Finance Inquiries on File
39 Number of Finance Revolving Trades on File
40 Balance to High Credit on Finance Revolving Trades
41 Worst Rate Ever on Instalment Trades
42 Number of National Credit Cards Inquiries on File
43 Average of Months Open on National Credit Cards
44 Balance on National Credit Cards
45 Number of National Credit Card Trades Open
46 Rate 1 on Open National Credit Card Trades
47 Number of National Credit Card Trades with Utilization >= 75% of High Credit
48 Number of National Credit Card Trades with Utilization 75-99% of High Credit
49 Number of National Credit Card Trades with Utilization >= 99% of High Credit
50 Balance to High Credit on National Credit Cards
51 Balance to High Credit on National Credit Cards Opened in the Last 6 Months
52 Worst Current Rate on National Card Trades
53 Worst Rate Ever on National Card Trades
54 Number of Other Inquiries on File
55 Months Since Most Recent Public Record
56 Number of Public Records within the Last Year
57 Number of Public Records within the Last 3 Years
58 Balance to High Credit on Personal Finance Trades
59 Number of Revolving Trades with Balance > 0
60 Number of Open Revolving Trades with No Balance
61 Age of Oldest Revolving Trade
62 Number of Revolving Trades with Utilization 75-99% of High Credit
63 Number of Revolving Trades with Utilization >= 99% of High Credit
64 Balance to High Credit on Revolving Trades
65 Balance to High Credit on Revolving Trades Opened within the Last 6 Months
66 Number of Retail Trades with Balance > 0
67 Balance to High Credit on Retail Trades
68 Balance to High Credit on Sales Finance Trades
69 Worst Current Rate on Sales Finance Trades
70 Number of Telco Inquiries in the Last Year
71 Number of Telco Inquiries on File
72 Number of Inquiries on File in the Last Year
73 Number of Auto Finance, Sales Finance, National Cards or Other Inquiries within Last Year
74 Number of Inquiries in the Last 3 Months
75 Number of Inquiries on File
76 Number of Auto Finance, Sales Finance, National Cards or Other Inquiries on File
77 Months Since Most Recent Inquiry
78 Number of Revolving Trades with Utilization >= 75% of High Credit
S ERS not available, File cannot be scored
F ERS not available, File under review
D ERS not available, Subject deceased
I ERS not available, no recent activity
Q ERS not available, no qualifying Accounts present
92 Clean, Mature and Very Thick
93 Clean, Mature and Thick
94 Clean and Thick
95 Clean and Thin
96 Prior Delinquency Thick
97 Prior Delinquency Thin
98 Delinquent Thick
99 Delinquent Thin

Mexico (CDC)

Value Description
A0 Payment history of the account is too new
A1 Latest report from the account in arrears status
A2 Amount of credit available in revolving accounts
A3 Amount of debt accounts is too high
A4 Amount of debt in the bank national in revolving accounts
A5 Amount of debt ranked in billing
A6 Amount of debt arrears accounts
A7 Amount of debt in accounts recently opened is too high
A8 Amount of debt in revolving accounts recently open of bank national is very high
A9 Amount of debt in accounts recently opened in finance companies to consumer is too high
B0 Amount of debt in accounts recently opened in retail is too high
B1 Amount of debt in revolving accounts recently opened is too high
B2 Amount of debt accounts of financing company in open sales recently is very high
B3 Amount of debt in the accounts of retail
B4 Amount of revolving debt accounts
B5 Amount of debt revolving credit accounts is too high
B6 Amounts overdue accounts
D0 Reported bankruptcy
D1 Date last very recent consultation
D2 Arrears on accounts
D3 Arrears in recently opened accounts
D4 Elimination of public record or collection reported
D5 The frequency of late payments
D6 Level of delinquency on accounts
D7 serious arrears
D8 Serious arrears and public record or collection reported
D9 Serious arrears, public record deleted, or collections reported
E0 Demographic Information
E1 Foul demographic information
E2 Number of consultations
E3 Frequency of consultations
E4 Lack of recent account information
E5 Amount of debt in the public records eliminated
E6 Proportion of blaance of limit accounts
F0 Available Payment history is insufficient
F1 Lack of credit accounts recently created
F2 Lack of revolving accounts recently created
F3 Lack of recent self-financing loan information
F4 Lack of recent auto loan information
F5 Lack of recent information from bank national revolving
F6 Lack of recent information information on accounts of consumer finance companies
F7 Lack of recent loan information
F8 Lack of recent information on mortgage loans
F9 Lack of recent information of non-mortgage loans
G0 Lack of recent retail account information
G1 Lack of recent revolving account information
G2 No mortgages reported
G3 No information revolving balances Latest Banks National
G4 No information of recent non-mortgage balances
G5 No retail account balances
G6 No recent revolving balances
J0 Time Duration of accounts have been established
J1 Time Duration of car accounts have been established
J2 Time Duration of revolving bank accounts nationals have established
J3 Time Duration of the loans of consumer finance companies have been established
J4 Time Duration of the installment loans have been established
J5 Duration Time of the reported mortgage accounts have been established
J6 Time Duration of the open installment loans have been laid
J7 Time Duration of the retailers accounts have been established
J8 Time Duration of the revolving accounts have been established
J9 Time since account activity is too long
K0 Time since arrears is too recent or unknown
K1 Time elapsed since the elimination of the public record or collection is too short
K2 Time since most recent account opening is too short
K3 Time since the most recent automatic account opening is too short
K4 Time elapsed since the opening of revolving account bank national most recent is too short
K5 Time elapsed since the opening account of consumer finance companies latest is too short
K6 Time elapsed since the opening of loan account to most recent deadlines is too short
K7 Time elapsed since account opening retail most recent.
K8 Time elapsed since the most recent revolving account opened
K9 Very little time has elapsed since the most recent account opened of 'sales finance'
M0 It has a number of accounts currently in default
M1 Number of 'marked' unpaid accounts
M2 Number of accounts with unpaid recent
M3 Number of active revolving accounts bank national
M4 Number of active accounts 'retail'
M5 Number of adverse repealed public records
M6 Number of revolving accounts bank national with balances
M7 Number of revolving accounts bank national
M8 Number of revolving accounts or other revolving accounts bank national
M9 Number of registered collections
N0 Number of accounts 'consumerfinancecompany ' set on the length of the history of consumer
N1 Number of consultations by consumer finance companies
N2 Number of established accounts
N3 Number of 'open installment loans '
N4 Number of recently opened accounts with consumer finance companies
N5 Number of accounts 'retail'
N6 Number of accounts 'retail' with balance
N7 Number of revolving accounts
N8 ber of revolving accounts with balances higher than its limit
P0 The proportion of the balance vs. limit auto loan accounts is too high
P1 The proportion of the balance vs. limit on accounts in arrears is very high
P2 The proportion of the balance vs. limit on consumer finance accounts is too high
P3 The proportion of the balance vs. limit on the accounts of 'retail' is very high
P5 The proportion of the balance vs. credit limit on national revolving accounts or other revolving accounts is very high
P6 The proportion of the balance vs. credit limits on revolving accounts is too high
P7 The proportion of the balance vs. limit 'financecompany sales' is very high
P8 The proportion of the balance vs. the mortgage loan is very high
P9 The proportion of loan balance vs the loan amount is very high
Q0 The proportion of revolving balances vs total balances is very high
Q1 The proportion of balances vs to credit limits of revolving accounts bank national is too high
R0 Very few accounts have been paid as agreed
R1 Very few accounts with balances
R2 Very few accounts with recent payment information
R3 Very few active accounts
R4 Very few revolving accounts bank national
R5 Very few revolving accounts bank national with recent payment information
R6 Very few accounts with consumer finance companies with recent payment information
R7 Very few accounts of 'installment '
R8 Very few accounts of 'retail '
R9 Very few accounts of 'retail' with recent payment information
S0 Very few revolving accounts
S1 Very few revolving accounts with recent payment information
S2 Very few accounts of 'financecompany sales' with recent payment information
T0 Many accounts opened recently
T1 Many accounts with balances
T2 Many revolving accounts bank national
T3 Many accounts of consumer finance companies
T4 Many accounts of 'installment '
T5 Many queries in the past 12 months
T6 Many active accounts recently
T7 Many car accounts recently active
T8 Many revolving accounts bank national recently active
T9 Many accounts of consumer finance companies recently active
U0 Many accounts of 'installment loan' recently active
U1 Many accounts of 'retail' recently active
U2 Many accounts 'financecompany sales' recently active
U4 Many recently opened accounts with balances
U5 Many revolving accounts banknational newly opened
U6 Many accounts of consumer finance companies recently opened
U7 Many accounts of 'installment' recently opened
U8 Many accounts of 'retail' recently opened with balances
U9 Many recently opened revolving accounts
V0 Many recently opened revolving accounts with balances
V1 Many accounts 'financecompany sales' recently opened
V2 Many accounts of 'retail'
V3 Many revolving accounts
V4 Many revolving accounts bank national recently active with balances
W3 Number of accounts 'subprime'
W4 Lack of recent information to card charge
W5 No balances to card charge recently
W6 The proportion of the balance vs credit limits on accounts 'charge cards' is very high
W7 Without balances of recent account.
W8 The proportion of 'Cash Advances' vs. 'Cash Advance Limit' is very high
W9 Cash Advance Activity on Accounts
X0 Pending payments on accounts
C1 There is no record
C2 The record found without accounts
C3 The record found is marked as deceased
C4 The record found has no active accounts in the last 24 months
C5 The file is marked as fraudulent or suspect fraud
SC Score could not be calculated

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