Field 15RequiredAccount Information
Metro 2 Field 15: Account Type
Two-character code indicating the type of account being reported. Determines validation rules and credit report display.
Quick Reference
Field Number:15
Position:84-85
Length:2 characters
Type:code
Record:Base Segment
Required:Yes
Allowed Values
| Value | Meaning |
|---|---|
| 00 | Auto Loan |
| 01 | Unsecured Loan |
| 02 | Secured Loan (Non-Specific Collateral) |
| 03 | Partially-Secured Loan |
| 04 | Home-Improvement Loan |
| 05 | FHA Home-Improvement Loan |
| 06 | Installment Sales Contract |
| 07 | Charge Account (Store Exclusive) |
| 08 | Real Estate, Type Unknown |
| 0A | Agriculture Operating Loan |
| 0C | Debt-Buyer Account |
| 0F | Construction Loan |
| 0G | Flexible-Spending Credit Card (No Preset Limit) |
| 10 | Business Loan |
| 11 | Recreational Merchandise |
| 12 | Education (Student) Loan |
| 13 | Lease |
| 15 | Personal Line of Credit |
| 17 | Manufactured-Housing Loan |
| 18 | Credit Card (Bankcard) |
| 19 | FHA Real-Estate Mortgage |
| 20 | Note Loan |
| 25 | VA Real-Estate Mortgage |
| 26 | Conventional Real-Estate Mortgage (Purchase-Money First) |
| 29 | Rental Agreement |
| 2A | Secured Credit Card |
| 2C | USDA (Rural Development) Mortgage |
| 37 | Combined Credit Plan |
| 3A | Auto Lease |
| 43 | Debit Card Backed by a Line of Credit / Overdraft Protection |
| 47 | Credit Line, Secured (Non-Card) |
| 48 | Collection Agency / Attorney Account |
| 4D | Telecommunications / Cellular |
| 50 | Family (Court-Ordered) Support |
| 65 | Government Unsecured Guaranteed Loan |
| 66 | Government Secured Guaranteed Loan |
| 67 | Government Unsecured Direct Loan |
| 68 | Government Secured Direct Loan |
| 69 | Government Grant |
| 70 | Government Over-Payment |
| 71 | Government Fine |
| 72 | Government Fee for Service |
| 73 | Government Employee Advance |
| 74 | Government Miscellaneous Debt |
| 75 | Government Benefit Over-Payment |
| 77 | Returned Check |
| 7A | Commercial Line of Credit (Personally Liable) |
| 7B | Agricultural Loan |
| 89 | Home-Equity Line of Credit |
| 90 | Medical Debt (Installment or Collection) |
| 91 | Debt-Consolidation Loan |
| 92 | Utility Open Account |
| 93 | Child-Support Obligation |
| 95 | Attorney-Fee Loan |
| 9A | Secured Home-Improvement Loan |
| 9B | Business Line of Credit, Personally Guaranteed |
Account Type Codes: full reference
Identifies what kind of credit product the tradeline is, and pins it to a Portfolio Type. Each code has its own page covering what it means, when to report it, and the cross-field rules it has to satisfy.
00Auto Loan01Unsecured Loan02Secured Loan (Non-Specific Collateral)03Partially-Secured Loan04Home-Improvement Loan05FHA Home-Improvement Loan06Installment Sales Contract07Charge Account (Store Exclusive)08Real Estate, Type Unknown0AAgriculture Operating Loan0CDebt-Buyer Account0FConstruction Loan0GFlexible-Spending Credit Card (No Preset Limit)10Business Loan11Recreational Merchandise12Education (Student) Loan13Lease15Personal Line of Credit17Manufactured-Housing Loan18Credit Card (Bankcard)19FHA Real-Estate Mortgage20Note Loan25VA Real-Estate Mortgage26Conventional Real-Estate Mortgage (Purchase-Money First)29Rental Agreement2ASecured Credit Card2CUSDA (Rural Development) Mortgage37Combined Credit Plan3AAuto Lease43Debit Card Backed by a Line of Credit / Overdraft Protection47Credit Line, Secured (Non-Card)48Collection Agency / Attorney Account4DTelecommunications / Cellular50Family (Court-Ordered) Support65Government Unsecured Guaranteed Loan66Government Secured Guaranteed Loan67Government Unsecured Direct Loan68Government Secured Direct Loan69Government Grant70Government Over-Payment71Government Fine72Government Fee for Service73Government Employee Advance74Government Miscellaneous Debt75Government Benefit Over-Payment77Returned Check7ACommercial Line of Credit (Personally Liable)7BAgricultural Loan89Home-Equity Line of Credit90Medical Debt (Installment or Collection)91Debt-Consolidation Loan92Utility Open Account93Child-Support Obligation95Attorney-Fee Loan9ASecured Home-Improvement Loan9BBusiness Line of Credit, Personally Guaranteed
Validation Rules
- Must be a valid CRRG Account Type code
- Must align with Portfolio Type — a mismatched pair is one of the highest-volume rejects in production files
- Collection and debt-buyer accounts use their own codes (48, 0C)
Examples
00182648Common Errors
- Using an account type whose CRRG portfolio type contradicts the reported Portfolio Type
- Collection agency reporting a non-collection type
Tips & Best Practices
- Auto loans use 00
- Credit cards use 18 (bankcard); 0G is the no-preset-limit flexible-spending card
- Mortgages depend on the programme: 19 FHA, 25 VA, 26 conventional purchase-money first
Related Fields
Other Account Information
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