EDI 200 Mortgage Credit Report
Functional Group MB
X12F Finance Subcommittee
This Draft Standard for Trial Use contains the format and establishes the data contents of the Mortgage Credit Report Transaction Set (200) for use within an Electronic Data Interchange (EDI) environment. This transaction set can be used to transmit the data that comprises a mortgage credit report. It is the electronic response to the Mortgage Credit Report Order Transaction Set (833).
Heading
- 010Transaction Set HeaderMandatoryMax 1
To indicate the start of a transaction set and to assign a control number
- 020Beginning SegmentMandatoryMax 1
To indicate the beginning of a transaction set.
- 030Credit Report Order DetailsMandatoryMax 1
To provide attributes of the credit report
- 035Request ValidationOptionalMax 5
To specify the validity of the request and to indicate follow-up action authorized.
- 040Date or Time or PeriodOptionalMax 5
To specify any or all of a date, a time, or a time period
The DTP segment is used to state the original release and last-ordered date. - 050Reference NumbersOptionalMax 5
To specify identifying numbers.
The REF segment is used to state order, case, loan, and data-authentication numbers. - 060Monetary AmountOptionalMax 3
To indicate the total monetary amount.
The AMT segment records charges for a credit report. - 070Property or Entity IdentificationOptionalMax 1
To define the attributes of a property or an entity
- 080Real Estate Property ID ComponentOptionalMax 10
To define types and values for geographic location of real estate property
- N1 Loop MandatoryRepeat 20
- 090NameMandatoryMax 1
To identify a party by type of organization, name and code
The N1 loop is used to describe reporting agency, requestor, repository, and bill-to-info information. - 100Additional Name InformationOptionalMax 2
To specify additional names or those longer than 35 characters in length
- 110Address InformationOptionalMax 2
To specify the location of the named party
- 120Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 130Reference NumbersOptionalMax 3
To specify identifying numbers.
- 140Administrative Communications ContactOptionalMax 5
To identify a person or office to whom administrative communications should be directed
- 090NameMandatoryMax 1
Detail
- LX Loop MandatoryRepeat 2
- 010Assigned NumberMandatoryMax 1
To reference a line number in a transaction set.
- 020Reference NumbersOptionalMax 1
To specify identifying numbers.
The REF segment is used to record an internal control number. - IN1 Loop MandatoryRepeat 15
- 030Individual IdentificationMandatoryMax 1
To provide identification of an individual or entity
The IN1 loop describes applicant's name and aliases. - 040Individual Name Structure ComponentsOptionalMax 10
To sequence individual name components for maximum specificity
- 050Demographic InformationOptionalMax 1
To supply demographic information
- 060Quantity and DescriptionOptionalMax 1
To indicate line item quantity, description, marks and numbers, commodity code, weight and customs value
The N10 segment is used to indicate age in number of years or text. - 070Administrative Communications ContactOptionalMax 3
To identify a person or office to whom administrative communications should be directed
- 080QuantityOptionalMax 15
To specify quantity information.
The QTY segment is used to state the number and age of dependents. - 090Yes/No QuestionOptionalMax 1
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the applicant has been interviewed. - 100Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
The NTE segment is used to report any interview comments.
- 030Individual IdentificationMandatoryMax 1
- NX1 Loop MandatoryRepeat 10
- 110Property or Entity IdentificationMandatoryMax 1
To define the attributes of a property or an entity
The NX1 loop describes details of applicant's current and previous addresses. - 120Real Estate Property ID ComponentOptionalMax 10
To define types and values for geographic location of real estate property
- 130Date or Time or PeriodOptionalMax 1
To specify any or all of a date, a time, or a time period
- 140Quantity and DescriptionOptionalMax 1
To indicate line item quantity, description, marks and numbers, commodity code, weight and customs value
- 150Applicant Residence SpecificsOptionalMax 1
To provide type of residency
- 160Yes/No QuestionOptionalMax 1
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the rent has been verified. - 170Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- 110Property or Entity IdentificationMandatoryMax 1
- N1 Loop OptionalRepeat 20
- 180NameMandatoryMax 1
To identify a party by type of organization, name and code
The N1 loop describes the names of current and previous employers, tenants, and nonemployment income sources. - 190Additional Name InformationOptionalMax 2
To specify additional names or those longer than 35 characters in length
- 200Address InformationOptionalMax 2
To specify the location of the named party
- 210Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 220Reference NumbersOptionalMax 1
To specify identifying numbers.
- 230Administrative Communications ContactOptionalMax 4
To identify a person or office to whom administrative communications should be directed
- 240Date or Time or PeriodOptionalMax 1
To specify any or all of a date, a time, or a time period
- 250Yes/No QuestionOptionalMax 1
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the employer has been verified. - 260Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- SOI Loop OptionalRepeat 5
- 270Source of IncomeMandatoryMax 1
To define the source and related information about the income being reported
- 280Employment PositionOptionalMax 1
To describe employment position
- 290Date or Time or PeriodOptionalMax 1
To specify any or all of a date, a time, or a time period
- 295Quantity and DescriptionOptionalMax 1
To indicate line item quantity, description, marks and numbers, commodity code, weight and customs value
- 300Yes/No QuestionOptionalMax 1
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the position has been verified. - AIN Loop OptionalRepeat 7
- 310IncomeMandatoryMax 1
To provide type and amount of income obtained
- 320Yes/No QuestionOptionalMax 1
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the income has been verified.
- 310IncomeMandatoryMax 1
- 270Source of IncomeMandatoryMax 1
- 180NameMandatoryMax 1
- 010Assigned NumberMandatoryMax 1
- TLN Loop OptionalRepeat 1000
- 330TradelineMandatoryMax 1
To report specific details on a tradeline or credit-related item
- 340NameMandatoryMax 1
To identify a party by type of organization, name and code
The N1 segment is used to state the credit grantor name. - 350Additional Name InformationOptionalMax 2
To specify additional names or those longer than 35 characters in length
- 360Address InformationOptionalMax 2
To specify the location of the named party
- 370Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 380Reference NumbersOptionalMax 1
To specify identifying numbers.
- 390Administrative Communications ContactOptionalMax 4
To identify a person or office to whom administrative communications should be directed
- 400Date or Time or PeriodOptionalMax 7
To specify any or all of a date, a time, or a time period
- 410Trade Line Bureau IdentifierOptionalMax 5
To identify the credit repository and the associated credit files or hit levels for a particular item
- 420Payment Pattern DetailsOptionalMax 15
To identify the payment pattern of specific, credit-related items
- 430Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- AMT Loop OptionalRepeat 6
- 440Monetary AmountMandatoryMax 1
To indicate the total monetary amount.
- 450Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- 440Monetary AmountMandatoryMax 1
- 330TradelineMandatoryMax 1
- RO Loop OptionalRepeat 500
- 460Public Record or ObligationMandatoryMax 1
To provide details of public records or obligations
- 470Case DescriptionOptionalMax 1
To identify and describe a specific court case
- 480Trade Line Bureau IdentifierOptionalMax 5
To identify the credit repository and the associated credit files or hit levels for a particular item
- 490Date or Time or PeriodOptionalMax 5
To specify any or all of a date, a time, or a time period
- 500Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- AMT Loop OptionalRepeat 6
- 510Monetary AmountMandatoryMax 1
To indicate the total monetary amount.
- 520Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- 510Monetary AmountMandatoryMax 1
- N1 Loop MandatoryRepeat 5
- 530NameMandatoryMax 1
To identify a party by type of organization, name and code
The N1 segment is used to state the court, attorney, or garnishee name. - 540Additional Name InformationOptionalMax 2
To specify additional names or those longer than 35 characters in length
- 550Address InformationOptionalMax 2
To specify the location of the named party
- 560Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 530NameMandatoryMax 1
- 460Public Record or ObligationMandatoryMax 1
- CCI Loop OptionalRepeat 5
- 570Credit Counseling InformationMandatoryMax 1
To define the applicant's participation in credit counseling
- 580Date or Time or PeriodOptionalMax 3
To specify any or all of a date, a time, or a time period
- 590Message TextOptionalMax 4
To provide a free form format that would allow the transmission of text information.
- 570Credit Counseling InformationMandatoryMax 1
- INQ Loop OptionalRepeat 100
- 600Credit Inquiry DetailsMandatoryMax 1
To identify results of credit inquiry
The INQ loop details credit inquiries. - 610Trade Line Bureau IdentifierOptionalMax 5
To identify the credit repository and the associated credit files or hit levels for a particular item
- 620NameOptionalMax 1
To identify a party by type of organization, name and code
- 630Additional Name InformationOptionalMax 2
To specify additional names or those longer than 35 characters in length
- 640Address InformationOptionalMax 2
To specify the location of the named party
- 650Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 660Administrative Communications ContactOptionalMax 2
To identify a person or office to whom administrative communications should be directed
- 670Date or Time or PeriodOptionalMax 1
To specify any or all of a date, a time, or a time period
- 680Yes/No QuestionOptionalMax 1
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the inquiry has been verified. - 690Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- 600Credit Inquiry DetailsMandatoryMax 1
- VAR Loop OptionalRepeat 25
- 700Credit File VariationMandatoryMax 1
To identify variations discovered in credit items or tradelines
The VAR loop describes any variations discovered between credit files. - 710Note/Special InstructionOptionalMax 50
To transmit information in a free-form format, if necessary, for comment or special instruction
- 720Individual IdentificationOptionalMax 1
To provide identification of an individual or entity
- 730Individual Name Structure ComponentsOptionalMax 10
To sequence individual name components for maximum specificity
- 740Demographic InformationOptionalMax 1
To supply demographic information
- 750Quantity and DescriptionOptionalMax 1
To indicate line item quantity, description, marks and numbers, commodity code, weight and customs value
- NX1 Loop OptionalRepeat 10
- 760Property or Entity IdentificationMandatoryMax 1
To define the attributes of a property or an entity
- 770Real Estate Property ID ComponentOptionalMax 10
To define types and values for geographic location of real estate property
- 760Property or Entity IdentificationMandatoryMax 1
- N1 Loop OptionalRepeat 10
- 780NameMandatoryMax 1
To identify a party by type of organization, name and code
- 790Additional Name InformationOptionalMax 2
To specify additional names or those longer than 35 characters in length
- 800Address InformationOptionalMax 2
To specify the location of the named party
- 810Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 820Reference NumbersOptionalMax 1
To specify identifying numbers.
- 830Administrative Communications ContactOptionalMax 2
To identify a person or office to whom administrative communications should be directed
- 840Employment PositionOptionalMax 1
To describe employment position
- 850Date or Time or PeriodOptionalMax 2
To specify any or all of a date, a time, or a time period
- 780NameMandatoryMax 1
- SCM Loop OptionalRepeat 3
- 860Credit Score ModelMandatoryMax 1
To define the credit score model used and the related score
The SCM loop describes credit scoring specifics. - 870Credit ScoreOptionalMax 5
To identify evaluation factors used in determining an applicant's credit score
- 860Credit Score ModelMandatoryMax 1
- 700Credit File VariationMandatoryMax 1
- 880Loop HeaderOptionalMax 1
To indicate that the next segment begins a loop
- NTE Loop OptionalRepeat 20
- 890Note/Special InstructionMandatoryMax 1
To transmit information in a free-form format, if necessary, for comment or special instruction
- 900Trade Line Bureau IdentifierOptionalMax 5
To identify the credit repository and the associated credit files or hit levels for a particular item
- 910Message TextOptionalMax >1
To provide a free form format that would allow the transmission of text information.
- 890Note/Special InstructionMandatoryMax 1
- 920Loop TrailerOptionalMax 1
To indicate that the loop immediately preceding this segment is complete
- 930Transaction Set TrailerMandatoryMax 1
To indicate the end of the transaction set and provide the count of the transmitted segments (including the beginning (ST) and ending (SE) segments).