95Consumer Installment Loans

    Account Type Code 95: Attorney-Fee Loan

    Account Type Code 95 means "Attorney-Fee Loan". An installment loan taken out by a consumer to pay legal fees, repaid on a fixed schedule to the lender that financed them. It is reported in Account Type (Field 15) of the Base Segment, 2 characters at position 84.

    Specification

    Code95
    MeaningAttorney-Fee Loan
    FieldAccount Type (Field 15)
    RecordBase Segment
    Length / position2 chars · 84–85
    CategoryConsumer Installment Loans
    CRRG referenceCRRG Exhibits 1 & 2 (Account Type Codes)

    What Account Type Code 95 means

    • An ordinary fixed-term installment loan whose proceeds paid a legal bill. The purpose is what selects the code.
    • The lender may be a specialty finance company or a bank; the attorney is the payee of the proceeds, not the furnisher.
    • Does NOT mean an attorney collecting a debt. A collection attorney furnishing a placed account reports Account Type 48.
    • Does NOT mean an unpaid legal bill owed directly to a law firm. That is not a financed loan, and financing is what makes this an installment obligation.
    • Does NOT mean litigation funding advanced against a case outcome. A non-recourse advance repayable only from proceeds is not a scheduled installment loan.

    When to report 95

    • 1A specialty lender reports a 24-month loan that funded a consumer's legal fees, repaid monthly.
    • 2A bank reports an attorney-fee loan being repaid on schedule with the balance falling each cycle.
    • 3A lender reports an attorney-fee loan that went delinquent after the borrower missed several installments.
    • 4A lender reports an attorney-fee loan paid in full at maturity and closes the tradeline at zero.
    • 5A lender reports an attorney-fee loan on which the borrower negotiated a modified payment schedule.

    Reporting rules

    • Report the amount financed as the Original Loan Amount and the remaining principal as the Current Balance.
    • Do not describe the legal matter anywhere in the record. The Account Type is the whole of what the file needs to say.
    • Do not code a law firm's own unpaid invoice as 95. Without a financing agreement, there is no installment loan.
    • Report a modified schedule prospectively in Terms Duration and Scheduled Monthly Payment.
    • Report the loan every cycle rather than only when it is delinquent.

    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 95 has to satisfy.

    • Portfolio Type must be I (Installment).
    • Portfolio Type I requires Terms Duration in months and a populated Scheduled Monthly Payment while the loan is open, and does not use Credit Limit.
    • Terms Frequency is normally M (Monthly) and must agree with the Scheduled Monthly Payment.
    • Original Loan Amount must be greater than zero and must not move; only Current Balance changes as the loan amortizes.
    • Date Opened is the funding date of the loan, not the date the legal services began.
    • If the loan is later charged off and placed for collection, the collecting party's Account Type 48 tradeline carries a K1 Original Creditor Name identifying you, and your tradeline must not continue reporting the same open balance.
    • Original Charge-Off Amount must be populated when the account charges off, and it must be the amount charged off rather than a balance that keeps growing with post-charge-off interest.
    • Date of First Delinquency is the first missed installment that was never cured, and it does not reset when the loan is modified or placed.
    • Amount Past Due must reconcile with the Payment History Profile and Account Status; delinquent months with a zero Amount Past Due is a contradiction.
    • A co-borrower ships in a J1 or J2 segment with a joint or co-maker ECOA code, never as a second Base Segment for the same loan.

    Common errors involving 95

    B018
    Scheduled Monthly Payment Missing on Installment Account
    An installment or mortgage account has no Scheduled Monthly Payment Amount
    B017
    Highest Credit / Original Amount Is Zero
    Highest Credit or Original Loan Amount is zero on an account that should carry one
    B015
    Duplicate Account in File
    The same account appears multiple times in the file

    Vocabulary

    Original Loan AmountScheduled Monthly Payment Amount

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    Source: CRRG Exhibits 1 & 2 (Account Type Codes). Last reviewed 2026-08-25.

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    Metro 2 Account Type Code 95: Attorney-Fee Loan