74Government Obligations
Account Type Code 74: Government Miscellaneous Debt
Account Type Code 74 means "Government Miscellaneous Debt". A debt owed to a government entity that does not fit any of the more specific government account types. The residual category for the government block. It is reported in Account Type (Field 15) of the Base Segment, 2 characters at position 84.
Specification
| Code | 74 |
|---|---|
| Meaning | Government Miscellaneous Debt |
| Field | Account Type (Field 15) |
| Record | Base Segment |
| Length / position | 2 chars · 84–85 |
| Category | Government Obligations |
| CRRG reference | CRRG Exhibits 1 & 2 (Account Type Codes) |
What Account Type Code 74 means
- A residual code by design. It exists so that a genuine government receivable is not forced into an inaccurate specific code.
- Use it only after ruling out the specific codes: guaranteed and direct loans (65 through 68), grants (69), overpayments (70 and 75), fines (71), fees for service (72) and employee advances (73).
- Does NOT mean a debt that has gone delinquent. Delinquency is expressed by Account Status, Payment Rating and Payment History Profile, never by recoding the Account Type.
- Does NOT mean a debt placed with a collection agency. When an agency collects it under its own subscriber code, that agency's tradeline is Account Type 48.
- Over-use of 74 is a data-quality smell. A portfolio in which most government receivables are coded 74 usually has a mapping problem upstream rather than genuinely unclassifiable debt.
When to report 74
- 1An agency reports a receivable arising from a program that has no dedicated Account Type and is being repaid on a schedule.
- 2An agency reports a miscellaneous debt established after an administrative determination, now on a monthly repayment plan.
- 3An agency reports a miscellaneous receivable satisfied in full and closes the tradeline at zero.
- 4An agency reports a miscellaneous debt that went delinquent under its repayment plan and is now past due.
- 5An agency reports a miscellaneous debt being recovered by administrative offset.
Reporting rules
- Check the specific government codes first. 74 is correct only when none of them fits.
- Report the established amount as the Original Loan Amount and the unpaid amount as the Current Balance.
- Do not use 74 as a migration target for accounts whose real Account Type your system cannot map. Fix the mapping.
- Do not use 74 to obscure the nature of an obligation that has a specific code available.
- Audit the share of your government portfolio coded 74 periodically. A rising share is usually an upstream classification defect.
Codes and fields that must agree
A file can be structurally valid and still be wrong. These are the cross-field conditions Account Type Code 74 has to satisfy.
- Portfolio Type must be I (Installment), which means a repayment schedule must exist before the account is furnished.
- Portfolio Type I requires Terms Duration and Scheduled Monthly Payment and does not use Credit Limit.
- If the receivable is genuinely due in full each cycle rather than amortized, Portfolio Type I is the wrong shape and the Open-portfolio codes describe it better; forcing it into 74 will fail terms edits.
- Original Loan Amount must be greater than zero, and Credit Limit must be blank or zero.
- Date of First Delinquency must be populated as soon as the account is delinquent and must never be advanced by a later re-establishment of the debt. Re-establishing an old receivable under a new account number with a fresh DOFD is one of the most damaging errors a furnisher can make.
- Terms Frequency must match the agreed repayment interval and agree with the Scheduled Monthly Payment.
- If the debt is later placed for collection, the agency's Account Type 48 tradeline carries a K1 Original Creditor Name naming your agency, and your tradeline must not double-report the same open balance.
Common errors involving 74
Vocabulary
Keep browsing
- All 56 account type codes — the full set with categories and cross-field rules.
- Metro 2 codes cheat sheet — every CRRG code set on one page.
- Account Type field reference — position, length, and validation rules.
- Metro 2 format reference
See Account Type Code 74 in your own file
Drop a .dat file into the free in-browser viewer and inspect every record carrying 74. No signup, and nothing is uploaded — your file stays on your device.