Metro 2 Codes: The Complete Cheat Sheet

The Metro 2 format uses 12 coded fields, holding 195 distinct values in total. Each one occupies a fixed position in the Base Segment or a supplemental segment, and each has its own permitted values. This page lists every set in field order. Every code links to a full reference page covering what it means, when to report it, and which other fields it has to agree with.

Portfolio Types

Field 14 · Base Segment · 5 codes

One character that declares how an account behaves, and that every other Base Segment field has to agree with.

Code	Meaning	Field	Notes
C	Line of Credit	14	Revolving credit drawn against a fixed approved limit, including HELOCs, business lines of credit, and secured or unsecured personal credit lines. The consumer can draw, repay, and draw again up to the limit.
I	Installment	14	Closed-end loans repaid in equal installments over a fixed term, including auto loans, personal loans, most student loans, and point-of-sale buy-now-pay-later plans. The consumer borrows once and pays it down.
M	Mortgage	14	Closed-end installment loans secured by real property, including first and second liens, FHA, VA and USDA loans, and construction-to-permanent financing. Mechanically installment, separated because real-estate lending carries its own reporting duties.
O	Open	14	Pay-in-full agreements where the balance resets each cycle rather than revolving, including utilities, charge accounts, child-support obligations, and rental agreements. Nothing is meant to be carried forward.
R	Revolving	14	Credit cards and similar accounts that let the consumer carry a balance from cycle to cycle against a stated limit, paying at least a calculated minimum each month.

Full portfolio types reference · Portfolio Type field spec

Account Type Codes

Field 15 · Base Segment · 56 codes

Identifies what kind of credit product the tradeline is, and pins it to a Portfolio Type.

Code	Meaning	Field	Notes
00	Auto Loan	15	A closed-end installment loan taken out to purchase a vehicle, secured by that vehicle. The most heavily furnished account type in the consumer file after bankcards.
01	Unsecured Loan	15	A closed-end installment loan advanced on the borrower's signature alone, with no collateral pledged. The default account type for a personal loan.
02	Secured Loan (Non-Specific Collateral)	15	A closed-end installment loan backed by collateral the Metro 2 format has no dedicated account type for, such as a share account, a certificate of deposit, securities, or equipment.
03	Partially-Secured Loan	15	A closed-end installment loan where the pledged collateral covers only part of the amount advanced, leaving the remainder unsecured.
04	Home-Improvement Loan	15	A closed-end installment loan advanced to pay for improvements to a residence, reported as an installment obligation rather than as a mortgage.
05	FHA Home-Improvement Loan	15	A home-improvement installment loan insured by the Federal Housing Administration, most commonly under the Title I program. The federal insurance is what separates it from code 04.
06	Installment Sales Contract	15	A retail installment sales contract: the consumer buys goods and pays for them over a fixed schedule, with the seller or its finance assignee holding the paper.
07	Charge Account (Store Exclusive)	15	A revolving credit account usable only at one retailer or retail family, sometimes called a private-label card. The consumer can charge, pay down, and charge again.
08	Real Estate, Type Unknown	15	A real-estate secured obligation where the specific mortgage programme is not identified. The Appendix A source directs furnishers to use the specific code (19, 25, 26, 6B, or 2C) whenever the type is known.
0A	Agriculture Operating Loan	15	A closed-end installment loan financing farm or ranch operating expenses such as seed, feed, fuel, and inputs for a production cycle.
0C	Debt-Buyer Account	15	An account purchased from another creditor by a debt buyer, furnished by the buyer as the current owner of the receivable.
0F	Construction Loan	15	A loan financing the construction of a building, typically drawn in stages against completed work and repaid or converted when construction finishes.
0G	Flexible-Spending Credit Card (No Preset Limit)	15	A charge or credit card with no preset spending limit, where the amount the consumer may charge flexes with their behaviour rather than sitting at a fixed line.
10	Business Loan	15	A closed-end installment loan made for business purposes that reaches the consumer file, typically because the consumer is the borrower or a personal guarantor.
11	Recreational Merchandise	15	A closed-end installment loan financing recreational goods such as boats, recreational vehicles, motorcycles, snowmobiles, and personal watercraft, secured by the item purchased.
12	Education (Student) Loan	15	A loan financing post-secondary education, whether federal or private. The Appendix A source lists this code with two permitted Portfolio Types, I and O.
13	Lease	15	A lease obligation other than a vehicle lease. The consumer pays for the use of property over a term without acquiring ownership through the payments.
15	Personal Line of Credit	15	An open-end personal credit line the consumer can draw against, repay, and draw against again, up to an approved limit, without a card as the access device.
17	Manufactured-Housing Loan	15	A loan financing a manufactured or mobile home. The Appendix A source lists this code with two permitted Portfolio Types, I and M, because the same collateral can be financed as personal property or as real property.
18	Credit Card (Bankcard)	15	A general-purpose revolving credit card accepted across a payment network. The highest-volume account type in the consumer file and the primary input to revolving utilization.
19	FHA Real-Estate Mortgage	15	A residential mortgage insured by the Federal Housing Administration, originated by an FHA-approved lender and reported as a mortgage obligation.
20	Note Loan	15	A closed-end loan evidenced by a promissory note, used where the lender's product does not map to a more specific installment account type.
25	VA Real-Estate Mortgage	15	A residential mortgage guaranteed by the Department of Veterans Affairs, available to eligible service members, veterans, and surviving spouses.
26	Conventional Real-Estate Mortgage (Purchase-Money First)	15	A conventional first-lien residential mortgage with no government insurance or guaranty behind it. The default mortgage account type in most portfolios.
29	Rental Agreement	15	A consumer or residential rental agreement furnished as a credit obligation, most often monthly residential rent reported by a landlord, property manager, or rent-reporting service.
2A	Secured Credit Card	15	A revolving credit card whose line is backed by a cash deposit the consumer places with the issuer, typically used to establish or rebuild credit.
2C	USDA (Rural Development) Mortgage	15	A residential mortgage originated under a United States Department of Agriculture Rural Development programme, guaranteed or made directly by the agency for eligible rural properties.
37	Combined Credit Plan	15	A revolving arrangement where two network card accounts, historically a Visa and a MasterCard, are billed to the consumer on a single combined statement.
3A	Auto Lease	15	A closed-end lease of a motor vehicle, where the consumer makes fixed monthly payments for a fixed term and the lessor keeps title to the vehicle.
43	Debit Card Backed by a Line of Credit / Overdraft Protection	15	A checking-account debit card or draft account with an attached credit line that funds transactions the deposit balance cannot cover. The credit line, not the deposit account, is what gets reported.
47	Credit Line, Secured (Non-Card)	15	A revolving line of credit that is collateralized by something other than real estate and is accessed by draft, transfer, or advance rather than by a credit card.
48	Collection Agency / Attorney Account	15	A debt placed with a third-party collection agency or a collection attorney and furnished by that agency or attorney under its own subscriber code.
4D	Telecommunications / Cellular	15	A wireless, landline, internet, or cable service account billed in arrears, where the consumer owes the full balance each cycle rather than repaying an advance.
50	Family (Court-Ordered) Support	15	A court-ordered family support obligation, such as spousal support or a combined family support order, furnished by the agency or entity responsible for collecting it.
65	Government Unsecured Guaranteed Loan	15	A loan made by a private lender, guaranteed by a government entity, with no collateral pledged. The government stands behind the loan but did not originate it.
66	Government Secured Guaranteed Loan	15	A loan advanced by a private lender under a government guarantee, with collateral pledged by the borrower. Both a guarantor and collateral stand behind the debt.
67	Government Unsecured Direct Loan	15	A loan advanced directly by a government agency to the consumer, with no collateral pledged. The government is the lender, not a guarantor.
68	Government Secured Direct Loan	15	A loan advanced directly by a government agency with collateral pledged by the borrower. The agency is both the lender and the lienholder.
69	Government Grant	15	Grant funds that the consumer has become obligated to repay, typically because a condition attached to the grant was not met.
70	Government Over-Payment	15	Money a government entity paid to or on behalf of the consumer in excess of what was owed, which the consumer is now obligated to return.
71	Government Fine	15	A monetary penalty imposed on the consumer by a government entity and now owed as a debt.
72	Government Fee for Service	15	An unpaid charge for a service a government entity actually provided to the consumer, such as a permit, inspection, or municipal service charge.
73	Government Employee Advance	15	An advance made by a government employer to an employee, such as a travel or salary advance, that the employee is obligated to repay.
74	Government Miscellaneous Debt	15	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.
75	Government Benefit Over-Payment	15	Benefit payments made to the consumer in excess of entitlement, which the consumer is now obligated to repay.
77	Returned Check	15	An unpaid obligation created when a consumer's check was returned unpaid, leaving the payee owed the face amount plus any returned-item charge.
7A	Commercial Line of Credit (Personally Liable)	15	A business line of credit on which an individual consumer is personally liable, so the obligation appears on that individual's consumer file.
7B	Agricultural Loan	15	A term loan made for a farming or agricultural purpose, repaid on a fixed schedule, where an individual is liable on the obligation.
89	Home-Equity Line of Credit	15	A revolving line of credit secured by the consumer's residence, drawn and repaid during a draw period and then typically amortized during a repayment period.
90	Medical Debt (Installment or Collection)	15	A debt arising from health-care services, reported either as a provider's payment plan or as a medical balance being collected.
91	Debt-Consolidation Loan	15	A single installment loan taken out to pay off several existing obligations, replacing multiple debts with one scheduled payment.
92	Utility Open Account	15	A metered or recurring utility service account, such as electricity, gas, water, or waste, billed in arrears with the full balance due each cycle.
93	Child-Support Obligation	15	A court-ordered child-support obligation, furnished by the state or local agency responsible for enforcing and collecting it.
95	Attorney-Fee Loan	15	An installment loan taken out by a consumer to pay legal fees, repaid on a fixed schedule to the lender that financed them.
9A	Secured Home-Improvement Loan	15	A fixed-term loan for improvements to the consumer's home, secured by a lien on the property or on the improvements themselves.
9B	Business Line of Credit, Personally Guaranteed	15	A business line of credit that an individual has personally guaranteed, making the guarantor's file the place the obligation is reported.

Full account type codes reference · Account Type field spec

Terms Frequency Codes

Field 28 · Base Segment · 11 codes

One character stating how often a payment is contractually due, and the unit that makes Terms Duration mean anything.

Code	Meaning	Field	Notes
D	Deferred	28	No payment is contractually due right now. The obligation exists and usually keeps accruing, but the payment schedule is suspended for a defined period.
P	Single Payment	28	The entire obligation comes due in one payment on one date. There is no recurring schedule at all, which makes this the opposite of a frequency.
W	Weekly	28	A payment is contractually due every week. Four or five payments therefore fall inside a single monthly reporting cycle, which the format has no way to represent individually.
B	Bi-weekly	28	A payment is contractually due every two weeks, twenty-six times a year. Most months contain two payments and twice a year a month contains three.
E	Semi-monthly	28	Two payments are due each month, normally on fixed calendar dates such as the first and the fifteenth. Twenty-four payments a year, always exactly two per reporting cycle.
M	Monthly	28	One payment is due each month. This is the cadence Metro 2 was designed around, and the value on the overwhelming majority of consumer tradelines.
L	Bi-monthly	28	A payment is due every two months, six times a year. Half the reporting cycles contain a due date and half do not.
Q	Quarterly	28	A payment is due every three months, four times a year. Two out of every three reporting cycles carry no payment obligation.
T	Tri-annually	28	A payment is due three times a year, every four months. Three out of every four reporting cycles carry no payment obligation.
S	Semi-annually	28	A payment is due twice a year, every six months. Five out of every six reporting cycles carry no payment obligation.
Y	Annually	28	A payment is due once a year. Eleven of every twelve reporting cycles carry no payment obligation, which makes this the slowest cadence in the set.

Full terms frequency codes reference · Terms Frequency field spec

Account Status Codes

Base Segment · 23 codes

The state of the tradeline this cycle: current, delinquent by bucket, closed, charged off, or deleted.

Code	Meaning	Payment Rating	Notes
05	Account Transferred	-	Account transferred to another office or sold to another lender
11	Current Account	0	Account is current with payments 0-29 days past due
13	Paid/Closed - Zero Balance	0	Account paid and closed with zero balance
71	30-59 Days Past Due	1	Account is 30-59 days past the due date
78	60-89 Days Past Due	2	Account is 60-89 days past the due date
80	90-119 Days Past Due	3	Account is 90-119 days past the due date
82	120-149 Days Past Due	4	Account is 120-149 days past the due date
83	150-179 Days Past Due	5	Account is 150-179 days past the due date
84	180+ Days Past Due	6	Account is 180 or more days past the due date
61	Paid - Voluntary Surrender	-	Account paid in full after voluntary surrender of collateral
62	Paid - Collection Account	-	Account paid in full, was a collection account
63	Paid - Repossession	-	Account paid in full after repossession of collateral
64	Paid - Charge-Off	-	Account paid in full, was previously charged off
65	Paid - Foreclosure Started	-	Account paid in full after foreclosure proceedings began
88	Claim Filed with Government	-	Claim filed with government for insured portion of the balance
89	Deed in Lieu of Foreclosure	-	Consumer transferred property deed to lender in lieu of foreclosure
93	Collection Account	-	Account is in collection status - serious delinquency
94	Foreclosure Completed	-	Foreclosure proceedings have been completed
95	Voluntary Surrender	-	Collateral was voluntarily surrendered by consumer
96	Repossession	-	Collateral was repossessed by creditor
97	Charge-Off	-	Unpaid balance reported as a loss by creditor
DA	Delete - Non-Fraud Reason	-	Delete entire account for reasons other than fraud
DF	Delete - Confirmed Fraud	-	Delete entire account due to confirmed identity fraud

Full account status code reference · Account Status field spec

Payment Ratings

Field 17B · Base Segment · 9 codes

Carries the account's delinquency level in the cycles where the Account Status describes a terminal condition instead of a payment condition.

Code	Meaning	Field	Notes
0	Current (No Delinquency)	17B	The account was paid as agreed as of the reporting period. Nothing is past due and there is no delinquency for the rating to carry.
1	30-59 Days Past Due	17B	One scheduled payment cycle has been missed. The account is 30 to 59 days behind as of the reporting period, the first rung of the delinquency ladder.
2	60-89 Days Past Due	17B	Two scheduled payment cycles have been missed. The account is 60 to 89 days behind as of the reporting period.
3	90-119 Days Past Due	17B	Three scheduled payment cycles have been missed. The account is 90 to 119 days behind, the threshold most lenders treat as seriously delinquent.
4	120-149 Days Past Due	17B	Four scheduled payment cycles have been missed. The account is 120 to 149 days behind and, for most revolving portfolios, is past the point of expected cure.
5	150-179 Days Past Due	17B	Five scheduled payment cycles have been missed. The account is 150 to 179 days behind, the last rung before the open-ended 180-plus bucket.
6	180 or More Days Past Due	17B	Six or more scheduled payment cycles have been missed. This is the open-ended bucket at the end of the ladder, covering everything from 180 days to indefinitely delinquent.
G	Collection	17B	The account is in collection. The rating carries that condition on records whose Account Status describes what happened to the account rather than how it was being paid.
L	Charge-Off	17B	The account was charged off. The rating preserves that outcome on records whose Account Status is describing the account's end state rather than a payment level.

Full payment ratings reference · Payment Rating field spec

Payment History Profile Codes

Field 18 · Base Segment · 15 codes

The fifteen single characters that make up the 24-month payment grid, one character per month, most recent first.

Code	Meaning	Field	Notes
0	Current / Paid As Agreed	18	The scheduled payment for that month was made on time and the account was not past due at the end of the cycle. It is the only character in the set that describes a healthy month.
1	30 Days Past Due	18	The account was one full billing cycle behind at the close of that month, roughly 30 to 59 days past due. It is the first rung of the delinquency ladder and the first character that triggers a Date of First Delinquency obligation.
2	60 Days Past Due	18	The account was two full billing cycles behind at the close of that month, roughly 60 to 89 days past due. It is the second rung of the ladder and normally follows a 1 in the adjacent position.
3	90 Days Past Due	18	The account was three full billing cycles behind at the close of that month, roughly 90 to 119 days past due. Ninety days is the threshold at which most portfolios begin making charge-off, collection, or recovery decisions.
4	120 Days Past Due	18	The account was four full billing cycles behind at the close of that month, roughly 120 to 149 days past due. Many portfolios have already made a charge-off or recovery decision by this point.
5	150 Days Past Due	18	The account was five full billing cycles behind at the close of that month, roughly 150 to 179 days past due. It is the last rung before the 180-plus catch-all.
6	180 Or More Days Past Due	18	The account was six or more full billing cycles behind at the close of that month. Unlike 1 through 5, this character is a catch-all: it covers 180 days and everything beyond.
B	No Payment History Available This Month	18	You have no payment information to report for that month. B is a statement about your records, not about the account: the month is unknown, not clean and not late.
D	No Payment History: Account Paid Or Closed	18	There is no payment history for that month because the account was already paid off or closed. Unlike B, D explains why the month is empty.
E	No Payment History: Account In Dispute	18	No payment history is being reported for that month because the account was in dispute. E is informational: it is neither better nor worse than the characters around it.
G	Collection	18	The account was in collection during that month. G is a terminal outcome character: it records that the debt moved into a collection posture, not simply that it was late.
H	Foreclosure Completed	18	The foreclosure process on the secured property completed in that month. H records a finished foreclosure, not a foreclosure that is under way.
J	Voluntary Surrender	18	The consumer voluntarily gave the collateral back in that month rather than having it taken. J records cooperation, but it is still a terminal negative outcome.
K	Repossession	18	The collateral securing the account was repossessed in that month. K records an involuntary recovery, as opposed to the consumer handing it back.
L	Charge-Off	18	You charged the account off in that month, writing the balance off as a loss on your own books. L is the most severe character in the set and the one the no-improvement rule is built around.

Full payment history profile codes reference · Payment History Profile field spec

Special Comment Codes

Field 31 · Base Segment · 24 codes

Adds a short standardized narrative to a tradeline explaining an unusual arrangement such as forbearance, a payment plan, a transfer, or a closure.

Code	Meaning	Field	Notes
B	Account in Forbearance	31	The furnisher has agreed to pause or reduce the borrower's payments for a defined short period while a hardship is worked through. The obligation still exists; only the payment expectation is suspended.
C	Account in Extended Forbearance	31	The same payment suspension as B, but running long enough to be a long-term hardship arrangement rather than a brief pause. Reported for as long as the extended forbearance is in force.
AB	Agreement in Place	31	A formal payment arrangement has been agreed between the furnisher and the borrower and the borrower is performing under it. Used when the relationship is governed by a negotiated agreement rather than the original payment schedule.
AC	Interest-Only Payments	31	The borrower is paying interest only for a period, with no principal reduction, under a workout arrangement. Reported while that payment structure is in force.
AI	Deferred Payment	31	One or more scheduled payments have been deferred, typically as a temporary skip-pay, and are not expected in the deferral window. The payments are postponed, not forgiven.
AM	Legal Action Pending or Judgment	31	A legal proceeding on the account is pending, or a judgment has been entered. Reported so the tradeline carries the fact that the obligation is being pursued in court.
AN	Transferred to Another Office	31	The account has been moved to a different office, branch, or servicing unit of the same organization. The obligation did not change hands to an unrelated party.
AP	Closed at Consumer's Request	31	The account was closed because the consumer asked for it to be closed, rather than because the grantor withdrew the relationship.
AS	Refinanced or Replaced	31	The obligation was refinanced or otherwise replaced by a new one. The old tradeline ends and a separate tradeline reflects the replacement loan.
AU	Repayment Plan	31	The borrower is on a structured repayment plan, typically to cure arrears over a defined number of months while keeping the account alive.
AX	Account Paid From Collateral	31	The balance was satisfied out of the collateral securing the loan rather than by the borrower's own payments, for example from the proceeds of a repossession or foreclosure sale.
BN	Paid by Insurance	31	An insurer paid the balance rather than the borrower. Used where credit insurance, a claim settlement, or a similar policy retired the obligation.
BP	Paid by Dealer or Merchant	31	A dealer or merchant satisfied the balance instead of the consumer, typically under a recourse, buyback, or unwind arrangement.
BT	Paid by Government	31	A government program or agency paid the balance rather than the borrower, for example under a guarantee, subsidy, or relief program.
CH	Credit Line Closed - Grantor	31	The grantor closed the credit line. Used when the lender withdrew the available credit, for reasons such as risk, inactivity, or a portfolio decision.
CI	Credit Line Closed - Consumer	31	The consumer asked for the credit line to be closed. The available credit is withdrawn at the consumer's request rather than by a grantor decision.
CJ	Closed - Paid Collection	31	A collection account was paid and closed. The comment records that the tradeline ended because the collection balance was satisfied.
CL	Closed - Paid Lease	31	A lease reached its end and the lessee's obligation was satisfied. The tradeline closes with the lease paid.
CM	Account Closed	31	The account is closed. The general-purpose closure comment, used where no more specific closure code in this set applies.
CN	Loan Modified	31	The loan's contractual terms were permanently changed, for example the rate, payment, or maturity. The same obligation continues under amended terms.
CO	Co-Maker Released	31	A co-maker has been released from the obligation. The account continues with the remaining borrower or borrowers responsible.
CP	Account in Partial Payment	31	The borrower is making partial payments that are less than the full contractual amount. Reported while that pattern is the accepted arrangement.
H	Transferred	31	The account was transferred. Reported by the furnisher that is handing the account off so the tradeline shows why it stopped updating.
O	Transferred	31	The account was transferred. The second of the two codes the source lists for a transfer, carrying the same printed comment as H.

Full special comment codes reference · Special Comment field spec

Compliance Condition Codes

Field 32 · Base Segment · 10 codes

Signals a legal or dispute condition attached to the account for one reporting cycle.

Code	Meaning	Field	Notes
XA	Account Closed at Consumer's Request	32	The consumer asked you to close the account. Reported so the bureaus can distinguish a consumer-initiated closure from one the grantor forced.
XB	Account Information Disputed by Consumer (FCRA / FDCPA)	32	The consumer disputed the account directly with you under the FCRA or FDCPA and your investigation is not finished. The tradeline carries a dispute flag while this code is in place.
XC	FCRA Investigation Complete - Consumer Disagrees	32	You finished investigating a direct FCRA or FDCPA dispute and concluded the data was accurate, but the consumer still maintains it is wrong.
XD	Closed at Consumer's Request and Disputed Under FCRA	32	A single code carrying both conditions: the consumer asked for the account to be closed, and a direct FCRA or FDCPA dispute is open.
XE	Closed at Consumer's Request and FCRA Investigation Complete - Consumer Disagrees	32	The consumer asked for the account to be closed, your dispute investigation has finished, and the consumer still disagrees with the result.
XF	Account in Dispute Under the Fair Credit Billing Act	32	A billing-error dispute under the FCBA is open on a revolving credit account and you are still working it.
XG	FCBA Dispute Complete - Consumer Disagrees	32	The Fair Credit Billing Act billing-error investigation is finished, you concluded the charge was valid, and the consumer continues to object.
XH	Account Previously in Dispute - Investigation Complete	32	The dispute is over. Your investigation closed the matter, and the tradeline should no longer be treated as disputed.
XJ	Closed at Consumer's Request and Disputed Under the FCBA	32	Both conditions at once: the consumer asked for the account to be closed, and a Fair Credit Billing Act billing-error dispute is open.
XR	Remove the Most Recently Reported Compliance Condition Code	32	The eraser. Sending XR once tells the bureaus to drop whatever compliance condition code the tradeline is currently carrying.

Full compliance condition codes reference · Compliance Condition Code field spec

ECOA Codes

Field 10 · Base Segment · 9 codes

Declares each consumer's legal relationship to the account: who is liable, who merely has access, and who is being removed.

Code	Meaning	Field	Notes
1	Individual (Sole Responsibility)	10	One consumer applied, one consumer signed, and one consumer is liable for the entire balance. This is the default designator for consumer credit with a single borrower.
2	Joint Contractual Liability	10	Two or more consumers signed the contract and each is fully liable for the whole balance. The tradeline reports in full on every joint obligor's credit file.
3	Authorized User	10	The consumer is permitted to use the account but signed nothing and owes nothing. Access without contractual liability, and the most misreported designator in the format.
5	Co-Maker or Guarantor	10	The consumer signed to back the obligation rather than to use it. They are legally liable if the primary borrower does not pay, but the credit was extended for the borrower's benefit.
7	Maker (Business Account With a Personal Guarantee)	10	The consumer is the maker of a business obligation that is backed by their personal guarantee, which is why a commercial account reaches a consumer credit file at all.
T	Terminated	10	The consumer's association with the account has been terminated. The tradeline may keep reporting, but this consumer's relationship to it has ended.
W	Business / Commercial	10	The account is commercial credit rather than consumer credit. The designator flags the whole record as business lending for everyone reading it downstream.
X	Deceased	10	The consumer associated with this designator is deceased. It is a statement about the person, not about the account, and it has to agree with every other deceased signal on the record.
Z	Delete Consumer From the Account	10	An instruction, not a designator. Code Z tells the bureaus to remove this one consumer from the tradeline while the account itself keeps reporting for everyone else.

Full ecoa codes reference · ECOA Code field spec

Consumer Information Indicators

Field 33 · Base Segment · 16 codes

Attaches a consumer-level condition such as bankruptcy, receivership, reaffirmation, or lease assumption to the tradeline, and changes how it purges.

Code	Meaning	Field	Notes
A	Bankruptcy Chapter 7 - Petition Filed	33	The consumer has filed a Chapter 7 liquidation petition and the case is pending. The tradeline keeps reporting, tagged with the filing, and its Date of First Delinquency freezes.
B	Bankruptcy Chapter 11 - Petition Filed	33	The consumer has filed a Chapter 11 reorganization petition and the case is pending. Purging treatment is the same as a Chapter 7 filing.
C	Bankruptcy Chapter 12 - Petition Filed	33	The consumer has filed a Chapter 12 petition, the chapter reserved for family farmers and family fishermen with regular annual income. Purging treatment matches the other petition-filed codes.
D	Bankruptcy Chapter 13 - Petition Filed	33	The consumer has filed a Chapter 13 wage-earner petition and a repayment plan is pending or in progress. The tradeline keeps reporting and its Date of First Delinquency freezes.
E	Bankruptcy Chapter 7 - Discharged	33	The Chapter 7 case reached discharge. The tradeline survives on the file, tagged as discharged, rather than disappearing.
F	Bankruptcy Chapter 11 - Discharged	33	The Chapter 11 case reached discharge. The tradeline stays on the file, tagged as discharged under Chapter 11.
G	Bankruptcy Chapter 12 - Discharged	33	The Chapter 12 family farmer or family fisherman case reached discharge. The tradeline survives on the file, tagged.
H	Bankruptcy Chapter 13 - Discharged or Plan Completed	33	The Chapter 13 case reached discharge or the consumer completed the repayment plan. The tradeline survives, tagged with the completed outcome.
1A	Personal Receivership	33	The consumer is in a personal receivership. It is not a bankruptcy, but the source appendix states it is treated like one for purging purposes.
Q	Delete Previously Reported Bankruptcy or Receivership Indicator	33	Removes a bankruptcy or receivership indicator that was reported earlier. It immediately clears A through H and 1A, and it does not delete the tradeline.
R	Reaffirmation of Debt	33	The consumer signed a reaffirmation agreement, most commonly in a Chapter 7, agreeing to remain liable for this debt. The tradeline continues through the bankruptcy rather than closing out at discharge.
V	Reaffirmation of Debt Rescinded	33	A previously reported reaffirmation was rescinded. The account returns to the bankruptcy condition it would have carried had the reaffirmation never been signed.
2A	Lease Assumption - Consumer No Longer Liable	33	Another party assumed the lease and the consumer named on this segment is no longer liable for it. The account is treated like a paid or closed account for that consumer.
S	Delete Previously Reported Reaffirmation or Lease Assumption Indicator	33	Removes a previously reported R, V or 2A. It clears the reaffirmation and lease-assumption flags without deleting the tradeline.
T	Grantor Cannot Locate Consumer	33	You have lost contact with the consumer and cannot locate them at any address or phone number you hold. It signals a skip-trace condition on the account.
U	Consumer Now Located	33	You have re-established contact with a consumer you previously reported as unlocatable. It clears T and returns the account to normal reporting.

Full consumer information indicators reference · Consumer Information Indicator field spec

Creditor Classification Codes

Field K1-4 · K1 Segment (Original Creditor Name) · 15 codes

Two-digit code on the K1 segment naming the industry the original creditor operated in, so a purchased or placed debt can be recognised without naming the wrong party.

Code	Meaning	Field	Notes
01	Retail	K1-4	The original creditor was a retailer extending credit for goods sold in its own stores or through its own channels. Used on placed or purchased retail receivables.
02	Medical/Health Care	K1-4	The original creditor was a medical or health care provider. This code exists so a medical debt can be classified as medical without the tradeline disclosing who treated the consumer or what they were treated for.
03	Oil/National Credit Card	K1-4	The original creditor ran a fuel or nationally accepted charge-card programme in its own name, such as a petroleum company card or a travel and entertainment charge card.
04	Government	K1-4	The original creditor was a government body: a federal, state, county, or municipal agency, a public authority, or a court.
05	Personal Services	K1-4	The original creditor was a consumer-services business that billed for services rather than goods: memberships, professional services, and similar recurring or one-off service obligations.
06	Insurance	K1-4	The original creditor was an insurance company, and the obligation arose from the insurance relationship: unpaid premium, a financed premium balance, or a recovery owed back to the insurer.
07	Educational	K1-4	The original creditor was an educational institution or an education-lending programme: tuition and institutional charges, school-held loans, or student loans.
08	Banking	K1-4	The original creditor was a bank or savings institution: a deposit-taking, chartered institution that extended the credit in its own name.
09	Rental/Leasing	K1-4	The original creditor was a lessor: a residential landlord or property manager, or an equipment, vehicle, or goods leasing company.
10	Utilities	K1-4	The original creditor was a utility service provider: electricity, gas, water, sewer, or waste service billed to a consumer account.
11	Cable/Cellular	K1-4	The original creditor was a communications provider: cable or satellite television, wireless or landline telephone, or broadband internet service.
12	Financial	K1-4	The original creditor was a non-depository finance company: a consumer or personal finance lender, a sales-finance company, a mortgage finance company, or a fintech lender.
13	Credit Union	K1-4	The original creditor was a credit union: a member-owned, not-for-profit cooperative financial institution.
14	Automotive	K1-4	The original creditor was an automotive creditor: a dealer that carried its own paper, a captive manufacturer finance arm, or an auto-specialist lender.
15	Check Guarantee	K1-4	The original creditor was a check-guarantee or check-verification company that paid a merchant on a dishonoured consumer check and now holds the resulting obligation.

Full creditor classification codes reference · K1 Creditor Classification field spec

Residence Codes

Field 44 · Base Segment · 2 codes

An optional single character stating whether the consumer owns or rents the address reported on the record.

Code	Meaning	Field	Notes
O	Owns Residence	44	The consumer owns the residence at the address reported on this record. An optional demographic attribute that adds context about the consumer, not about the account.
R	Rents Residence	44	The consumer rents the residence at the address reported on this record. An optional demographic attribute describing the consumer, not the account.

Full residence codes reference · Residence Code field spec

Codes that must agree with each other

A Metro 2 file can pass every structural check and still be wrong, because the codes are not independent. These are the cross-field conditions that cause most accepted-but-inaccurate records. They are the checks a validator has to run after the format check passes.

Rule	What has to be true
Portfolio Type and Account Type	Every Account Type code belongs to a Portfolio Type. A mortgage account type reported under Portfolio Type R is a contradiction, not a rounding error.
Account Status and Payment Rating	When the Account Status describes a terminal or closed condition, the delinquency at that moment is carried by the Payment Rating. The pair has to describe the same account.
Payment Rating and Payment History Profile	Position 1 of the 24-character Payment History Profile must match the current Payment Rating, the profile fills from position 1 with no gaps, and history cannot improve after a charge-off.
Delinquency and Date of First Delinquency	Any delinquent status, non-zero payment rating, or delinquency value in the payment history implies a DOFD. The original DOFD must survive a dispute unchanged. Why it may not be re-aged.
Portfolio Type and Terms Frequency	An installment loan with no Terms Frequency and no Scheduled Monthly Payment is incomplete. Sub-monthly frequencies still report a monthly scheduled payment figure.
Compliance Condition Code persistence	A blank Compliance Condition Code does not clear the previous one. Clearing requires XR, which is why stale dispute flags are so common.
ECOA and the associated-consumer segments	Each associated consumer in a J1 or J2 segment carries its own ECOA code. A joint designation on the Base Segment with no associated consumer segment is a contradiction.
Bankruptcy indicator and dates	A bankruptcy Consumer Information Indicator freezes the DOFD for purging purposes and rides on the consumer, not the account, so a joint tradeline can carry it for one consumer and not the other.
Balances and limits	Current Balance above Credit Limit on a revolving account, Amount Past Due inconsistent with the status, and paid statuses reported with a non-zero balance are the three balance errors that recur every cycle.
K1 and purchased debt	When you are not the original creditor, the K1 segment carries the original creditor name and a Creditor Classification, and the K2 segment records the purchase or sale.

The error and reject code library documents each of these as a specific check with the fix.

What changed in 2026

The CRRG is revised periodically and code sets do move. Two things are worth checking against your own copy of the current guide before your next mapping review:

ECOA code X. The 2026 revision clarified reporting expectations for ECOA X. Confirm the current wording in your copy of the guide rather than relying on a mapping written against an earlier edition.
Sub-monthly payment cadences. Pay-in-Four and other buy-now-pay-later products settle weekly or biweekly while Metro 2 assumes a monthly reporting cycle. See Terms Frequency for what the format does and does not resolve.

Where the published guidance is silent, this reference says so rather than guessing. Every code page names the CRRG artifact its meaning comes from.

The rest of the reference

Field reference

Every field: position, length, allowed values

Segments

Header, Base, J1/J2, K1-K4, L1, N1, Trailer

Error codes

Validation failures and how to fix them

Single-page format guide

The whole layout on one scrollable page

See which of these codes are in your own file

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