Metro 2 Creditor Classification 10: Utilities

Specification

Code	10
Meaning	Utilities
Field	K1 Creditor Classification (Field K1-4)
Record	K1 Segment (Original Creditor Name)
Length / position	2 chars · 33–34
Category	Utilities and Telecommunications
CRRG reference	CRRG Creditor Classification code table (K1 Segment)

Covers regulated and municipal utility service where the consumer owed the provider for delivered service, including final bills after a service disconnect or move-out.
Distinguish from 11 (Cable/cellular), which covers communications service. Bundled providers selling both energy and communications should classify by the service the balance actually arose from.
A municipal or authority-owned utility is normally still a utility for this field even though the owner is a public body, because the receivable is an unpaid service bill.
Does NOT mean the balance is a deposit. An unreturned security deposit is not a consumer debt and is not furnishable as one.
Does not describe the disconnect. Whether service was terminated is carried by the account's status and dates, not by the classification.

1A collection agency reports an unpaid final electricity bill placed after a consumer closed the account and moved.
2A debt buyer purchases a portfolio of unpaid gas-service balances from a regional energy provider.
3A recovery vendor furnishes unpaid municipal water and sewer balances placed by a city-owned utility.
4A collection attorney reports an unpaid waste-service balance placed by a regional operator.

Name the utility as it appeared on the consumer's bill, not the parent holding company.
Prefer 10 with the utility account type over 04 (Government) for a municipal utility's unpaid SERVICE bill, and reserve 04 for non-utility public receivables.
Do not furnish a balance that is still inside the provider's own dispute or billing-correction process.
Keep classification stable if the utility itself was acquired. The original creditor's industry is what the field records.

A file can be structurally valid and still be wrong. These are the cross-field conditions Creditor Classification 10 has to satisfy.

Report only where a K1 segment is present, which for utilities usually means a collection agency, debt buyer, or attorney rather than the utility itself.
Pairs with Base Segment Account Type 92 (Utility Open Account) where the utility relationship is what the tradeline reports, and with 48 (Collection Agency/Attorney Account) or 0C (Debt Buyer Account) where the collections relationship is.
Portfolio Type O (Open) is the natural fit for utility service billing, which is billed and settled cyclically rather than amortised. An instalment Portfolio Type on a plain unpaid utility bill is usually a mistake.
Date of First Delinquency runs from the utility account going unpaid. Placement and purchase dates do not reset it.
If a portfolio of utility receivables was purchased, the K2 (Purchased From / Sold To) segment names the seller while the K1 keeps naming the utility.