Consumer Terms

    Consumer Information Indicator: Definition

    A code providing special status information about a consumer.

    Definition

    The Consumer Information Indicator carries bankruptcy, receivership, reaffirmation and lease-assumption status for a consumer on a tradeline, and the codes that delete a previously reported one. It does not carry deceased status: a deceased consumer is reported with ECOA Code X. It is not a fraud field either; fraud is handled through the Account Status delete codes and the Special Comment set.

    Examples

    • A = Bankruptcy Chapter 7 - Petition Filed
    • H = Bankruptcy Chapter 13 - Discharged or Plan Completed
    • Q = Delete Previously Reported Bankruptcy or Receivership Indicator

    Usage Notes

    • Must be updated as the consumer's bankruptcy or receivership status changes
    • Q and S are delete codes: they remove a previously reported indicator
    • W, X, Y and Z were retired and are not reportable after April 2021

    Related Metro 2 Fields

    33
    Consumer Information Indicator
    Position 217-218

    All consumer information indicators

    Attaches a consumer-level condition such as bankruptcy, receivership, reaffirmation, or lease assumption to the tradeline, and changes how it purges. Every code has its own reference page covering when to report it and the cross-field rules it has to satisfy.

    ABankruptcy Chapter 7 - Petition FiledBBankruptcy Chapter 11 - Petition FiledCBankruptcy Chapter 12 - Petition FiledDBankruptcy Chapter 13 - Petition FiledEBankruptcy Chapter 7 - DischargedFBankruptcy Chapter 11 - DischargedGBankruptcy Chapter 12 - DischargedHBankruptcy Chapter 13 - Discharged or Plan Completed1APersonal ReceivershipQDelete Previously Reported Bankruptcy or Receivership IndicatorRReaffirmation of DebtVReaffirmation of Debt Rescinded2ALease Assumption - Consumer No Longer LiableSDelete Previously Reported Reaffirmation or Lease Assumption Indicator

    All Metro 2 code sets on one page

    Related Terms

    Special Comment CodeCompliance Condition Code

    More Consumer Terms

    Primary Consumer
    The main individual responsible for a credit account.
    Associated Consumer
    Any additional individual connected to a credit account.
    ECOA Code
    A code indicating a consumer's relationship to an account.
    Joint Account
    An account where two or more consumers share responsibility.
    Authorized User
    A person permitted to use an account but not liable for the debt.
    Social Security Number
    The consumer's 9-digit SSN used for identification.
    Date of Birth
    The consumer's birth date used for identification.
    Generation Code
    A suffix indicating generational distinction in names.

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    Consumer Information Indicator - Metro 2 Glossary