Narrative Codes
Narrative Code examples can be found with the following test users:
- Default canned report
- 03/02/1990
- 03/03/1990
- 03/04/1990
Here is a super set of the Narrative Codes that Spinwheel returns:
Code | Description |
---|---|
AA | Consumer says merchandise or service unsatisfactory |
AB | Consumer says account paid/being paid by insurance |
AC | Consumer says acct is responsibility of separated or divorced spouse |
AE | Consumer says acct. Involved in business venture held personally liab |
AF | Consumer says account involves lease agreement dispute |
AG | Consumer disputes account - litigation pending |
AH | Consumer says account slow due to billing dispute with creditor |
AI | Consumer says account slow due to employment issues |
AJ | Consumer says account slow due to medical expenses/illness |
AL | Consumer says warranty dispute |
AM | Voluntary surrender; there may be a balance due |
AN | Involuntary repossession |
AO | Auto |
AP | Commercial account |
AQ | Household goods |
AR | Home loan |
AS | Home improvement loan |
AT | Checking account loan plan |
AU | Personal loan |
AV | Charge |
AW | Secured by household goods |
AX | Paid by dealer |
AY | Voluntarily surrendered – then redeemed or reinstated |
AZ | Amount in h/c column is credit limit |
BB | Consumer disputes this account information |
BC | Account transferred or sold |
BD | Paid - credit line closed |
BE | Credit line closed |
BG | Claim filed with government |
BH | Dispute - resolution pending |
BK | Redeemed or reinstated repossession |
BL | Consumer says account slow due to domestic problems |
BM | Consumer says paid on notification - no prior knowledge of balance due |
BN | Consumer says co-signed account - not aware of delinquency |
BO | Consumer says no statement received due to address change |
BP | Consumer says this account spouse’s responsibility |
BQ | Paid charge off |
BR | Foreclosure process started |
BS | Paid or being paid by government guarantor |
BT | Lease |
BU | Student loan |
BV | Consumer dispute following resolution |
BW | Included in bankruptcy |
BX | Payments managed by financial counseling program |
BY | Collection agency account - status unknown |
BZ | Account paid for less than full balance |
CA | Charge off - making payments |
CB | Charged off - check presented was uncollectible |
CD | Customer has now located consumer |
CE | Refinanced |
CF | Closed account |
CG | Account closed - reason unknown |
CH | Account paid after foreclosure started |
CI | Insurance claim pending |
CJ | Customer unable to locate consumer |
CK | Debit card |
CL | Paid or being paid by co-signer or guarantor |
CM | Account assumed by another party |
CN | Paying under a partial payment agreement |
CP | Consumer says personal bankruptcy filed due to business failure |
CQ | Pltff verified judgment paid/satisfaction not recorded with court |
CS | Secured credit line |
CT | Voluntary |
CU | Involuntary |
CV | Line of credit |
CW | Account closed by credit grantor |
CX | Payment is payroll deductible |
CY | Account charged to profit and loss |
CZ | Collection account |
DA | Account closed by consumer |
DB | Charged off account |
DC | Consumer says account not paid promptly - insurance claim delayed |
DD | Balance is deficiency amount |
DE | Consumer says account paid in full |
DG | Title 1 loan |
DH | Balance not paid by insurance |
DI | Balance paid or being paid by insurance company |
DJ | Foreclosure |
DK | Paid or being paid by garnishment |
DL | Consumer recalled to active military duty |
DM | Forfeit of deed in lieu of foreclosure |
DN | Broken lease agreement |
DO | Bankruptcy chapter 13 |
DP | Conversion loss paid by insurance |
DQ | Student loan - payment deferred |
DS | Single payment loan |
DT | Amortized mortgage |
DU | Sheriff sale |
DV | Amount in high credit includes finance charge |
DW | Return mail |
DX | Balance owing - amount not reported |
EA | Paid or making payments - not according to terms of agreement |
EB | Lease - early termination by default |
EC | Home equity |
ED | Making payment - foreclosure was initiated |
EE | Secured |
EF | Real estate mortgage |
EG | Guaranteed student loan |
EH | National direct student loan |
EI | Consumer disputes account - litigation filed by creditor pending |
EJ | Consumer disputes account - litigation filed by consumer pending |
EK | Child/family support obligation |
EL | Defendant verified item pd/satisfaction not recorded with court |
EM | Voluntary return of purchase |
EN | Account included in wep filed by another person |
EO | Account included in bankruptcy of another person |
EP | Fixed rate |
EQ | Variable/adjustable rate |
ER | Paid collection |
ES | Charged back to dealer |
ET | Paid repossession |
EU | See consumer statement |
EV | Bankruptcy chapter 11 |
EX | Unsecured |
EY | Business account -personal guarantee |
EZ | Has co-signer |
FA | Closed or paid account/zero balance |
FB | Included in orderly payment debt |
FC | Credit line suspended |
FD | Defaulted student loan |
FE | Credit card |
FF | Consumer says account not his/hers |
FG | Consumer says account never late |
FH | Consumer says this public record not his/hers |
FL | Consumer says this public record filed in error |
FM | Consumer says this public record item satisfied or released |
FO | Consumer says bankruptcy discharged |
FP | Consumer says bankruptcy dismissed |
FQ | Consumer says current rate/status incorrect |
FR | Making payments |
FS | Annual payment |
FT | Not included in bankruptcy |
FU | Charged off checking account |
FV | Pltff verified lien pd/release not recorded with court |
FW | Consumer disputes – reinvestigation in progress |
FX | Account listed as public record |
FZ | Account reinstated with lender |
GA | Paid by collateral |
GB | Account being paid through wep |
GC | Account being paid through financial counseling plan |
GD | Account paid through financial counseling plan |
GE | Consumer disputes this item |
GF | Reaffirmation of debt |
GH | Plaintiff/counsel verified judgement paid |
GI | Utility |
GJ | Student loan assigned to government |
GK | Affected by natural disaster |
GL | First payment never received |
GM | Account acquired by fdic/ncua |
GN | Government debt |
GO | Debt consolidation |
GP | Manufactured housing |
GQ | Recreational merchandise |
GR | Secured credit card |
GS | Medical |
HF | Account closed by consumer |
HL | 100% payment to creditors filing claims |
HM | Account included in bankruptcy of primary borrower |
HN | Account included in bankruptcy of secondary borrower |
HO | Returned check |
HP | Fha mortgage |
HQ | Va mortgage |
HR | Conventional mortgage |
HS | Second mortgage |
HT | Agricultural |
HU | Commercial mortgage-individual liable, company is guarantor |
HV | Deposit related |
HW | Child/family support |
HX | Transferred to recovery |
IA | Consumer voluntarily withdrew from bankruptcy |
IB | Lease - full termination |
IC | Lease - early termination |
ID | Status pending |
IE | Fannie mae account |
IF | Freddie mac account |
IG | Prepaid lease |
IH | Consumer pays balance in full each month |
II | Principal deferred/interest payment only |
IJ | Payment deferred |
IK | Bankruptcy voluntarily withdrawn |
IL | Bankruptcy chapter 7 |
IM | Bankruptcy chapter 12 |
IN | Reaffirmation of debt rescinded |
IP | Consumer disputes this account information |
IQ | Consumer disputes after resolution |
IR | Account closed at consumer’s request |
IT | Account acquired from another lender |
IZ | Amount in high credit is original charge-off amount |
JA | Election of remedy |
JD | Consumer deceased |
JE | Adjustment pending |
JF | Inactive account |
JG | Dollar amount in excess of $1 billion |
JH | Personal receivership – repayment managed by court trustee |
JI | Guaranteed/insured |
JJ | Time share loan |
JK | 120 days past due |
JL | 150 days past due |
JM | 180 days or more past due |
JN | Partially secured |
JO | Note loan |
JP | Rental agreement |
JQ | Auto lease |
JR | Telecommunications/cellular |
JS | Unsecured government loan |
JT | Secured government loan |
JU | Home equity line of credit |
JV | Attorney fees |
JW | Construction loan |
JX | Flexible spending credit card |
JY | Combined credit plan |
JZ | Debt buyer account |
KA | Installment sales contract |
KB | Bankruptcy petition |
KC | Bankruptcy discharged |
KD | Bankruptcy completed |
KE | Lease assumption |
KF | Account previously in dispute – now resolved by data furnisher |
KG | Chapter 7 bankruptcy dismissed |
KH | Chapter 11 bankruptcy dismissed |
KI | Chapter 12 bankruptcy dismissed |
KJ | Chapter 13 bankruptcy dismissed |
KK | Chapter 7 bankruptcy withdrawn |
KL | Chapter 11 bankruptcy withdrawn |
KM | Chapter 12 bankruptcy withdrawn |
KN | Chapter 13 bankruptcy withdrawn |
KO | Bankrupcty – undesignated chapter |
KP | Account closed due to inactivity |
KQ | Credit line no longer available - in repayment phase |
KR | Credit line reduced due to collateral depreciation |
KS | Credit line suspended due to collateral depreciation |
KT | Collateral released by creditor/balance owing |
KU | Loan modified under a federal government plan |
KV | Loan modified |
KW | Account in forbearance |
KZ | Account paid in full; was a voluntary surrender |
LB | Homeowners association (hoa) |
Updated 3 months ago