EDI 200 Mortgage Credit Report

Functional Group ME

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 the context of 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

1. 0100 · ST · Transaction Set Header · Max 1 · Mandatory

   To indicate the start of a transaction set and to assign a control number

2. 0200 · BGN · Beginning Segment · Max 1 · Mandatory

   To indicate the beginning of a transaction set

3. 0300 · CRO · Credit Report Order Details · Max 1 · Mandatory

   To provide attributes of the credit report

4. 0350 · AAA · Request Validation · Max 5 · Optional

   To specify the validity of the request and indicate follow-up action authorized

5. 0400 · DTP · Date or Time or Period · Max 5 · Optional

   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.

6. 0500 · REF · Reference Identification · Max >1 · Optional

   To specify identifying information

   The REF segment is used to state order, case, loan, and data-authentication numbers.

7. 0600 · AMT · Monetary Amount · Max 3 · Optional

   To indicate the total monetary amount

   The AMT segment records charges for a credit report.

8. 0700 · NX1 · Property or Entity Identification · Max 1 · Optional

   To define the attributes of a property or an entity

9. 0800 · NX2 · Location ID Component · Max 10 · Optional

   To define types and values of a geographic location

10. N1 Loop Mandatory Repeat 20

    1. 0900 · N1 · Name · Max 1 · Mandatory

       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.

    2. 1000 · N2 · Additional Name Information · Max 2 · Optional

       To specify additional names

    3. 1100 · N3 · Address Information · Max 2 · Optional

       To specify the location of the named party

    4. 1200 · N4 · Geographic Location · Max 1 · Optional

       To specify the geographic place of the named party

    5. 1300 · REF · Reference Identification · Max 3 · Optional

       To specify identifying information

    6. 1400 · PER · Administrative Communications Contact · Max 5 · Optional

       To identify a person or office to whom administrative communications should be directed

Detail

1. LX Loop Mandatory Repeat 2

   1. 0100 · LX · Assigned Number · Max 1 · Mandatory

      To reference a line number in a transaction set

   2. 0200 · REF · Reference Identification · Max 1 · Optional

      To specify identifying information

      The REF segment is used to record an internal control number.

   3. IN1 Loop Mandatory Repeat 15

      1. 0300 · IN1 · Individual Identification · Max 1 · Mandatory

         To provide identification of an individual or entity

         The IN1 loop describes applicant's name and aliases.

      2. 0400 · IN2 · Individual Name Structure Components · Max 10 · Optional

         To sequence individual name components for maximum specificity

      3. 0500 · DMG · Demographic Information · Max 1 · Optional

         To supply demographic information

      4. 0600 · N10 · Quantity and Description · Max 1 · Optional

         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.

      5. 0700 · PER · Administrative Communications Contact · Max 3 · Optional

         To identify a person or office to whom administrative communications should be directed

      6. 0800 · QTY · Quantity · Max 15 · Optional

         To specify quantity information

         The QTY segment is used to state the number and age of dependents.

      7. 0900 · YNQ · Yes/No Question · Max 1 · Optional

         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.

      8. 1000 · NTE · Note/Special Instruction · Max 20 · Optional

         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.

   4. NX1 Loop Mandatory Repeat 10

      1. 1100 · NX1 · Property or Entity Identification · Max 1 · Mandatory

         To define the attributes of a property or an entity

         The NX1 loop describes details of applicant's current and previous addresses.

      2. 1200 · NX2 · Location ID Component · Max 10 · Optional

         To define types and values of a geographic location

      3. 1300 · DTP · Date or Time or Period · Max 1 · Optional

         To specify any or all of a date, a time, or a time period

      4. 1400 · N10 · Quantity and Description · Max 1 · Optional

         To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value

      5. 1500 · ARS · Applicant Residence Specifics · Max 1 · Optional

         To provide type of residency

      6. 1600 · YNQ · Yes/No Question · Max 1 · Optional

         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.

      7. 1700 · NTE · Note/Special Instruction · Max 20 · Optional

         To transmit information in a free-form format, if necessary, for comment or special instruction

   5. N1 Loop Optional Repeat 20

      1. 1800 · N1 · Name · Max 1 · Mandatory

         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.

      2. 1900 · N2 · Additional Name Information · Max 2 · Optional

         To specify additional names

      3. 2000 · N3 · Address Information · Max 2 · Optional

         To specify the location of the named party

      4. 2100 · N4 · Geographic Location · Max 1 · Optional

         To specify the geographic place of the named party

      5. 2200 · REF · Reference Identification · Max 1 · Optional

         To specify identifying information

      6. 2300 · PER · Administrative Communications Contact · Max 4 · Optional

         To identify a person or office to whom administrative communications should be directed

      7. 2400 · DTP · Date or Time or Period · Max 1 · Optional

         To specify any or all of a date, a time, or a time period

      8. 2500 · YNQ · Yes/No Question · Max 1 · Optional

         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.

      9. 2600 · NTE · Note/Special Instruction · Max 20 · Optional

         To transmit information in a free-form format, if necessary, for comment or special instruction

      10. SOI Loop Optional Repeat 5

          1. 2700 · SOI · Source of Income · Max 1 · Mandatory

             To define the source and related information about the income being reported

          2. 2800 · EMS · Employment Position · Max 1 · Optional

             To describe employment position

          3. 2900 · DTP · Date or Time or Period · Max 1 · Optional

             To specify any or all of a date, a time, or a time period

          4. 2950 · N10 · Quantity and Description · Max 1 · Optional

             To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value

          5. 3000 · YNQ · Yes/No Question · Max 1 · Optional

             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.

          6. AIN Loop Optional Repeat 7

             1. 3100 · AIN · Income · Max 1 · Mandatory

                To provide type and amount of income obtained

             2. 3200 · YNQ · Yes/No Question · Max 1 · Optional

                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.

2. TLN Loop Optional Repeat 1000

   1. 3300 · TLN · Tradeline · Max 1 · Mandatory

      To report specific details on a tradeline or credit-related item

   2. 3400 · N1 · Name · Max 1 · Mandatory

      To identify a party by type of organization, name, and code

      The N1 segment is used to state the credit grantor name.

   3. 3500 · N2 · Additional Name Information · Max 2 · Optional

      To specify additional names

   4. 3600 · N3 · Address Information · Max 2 · Optional

      To specify the location of the named party

   5. 3700 · N4 · Geographic Location · Max 1 · Optional

      To specify the geographic place of the named party

   6. 3800 · REF · Reference Identification · Max 1 · Optional

      To specify identifying information

   7. 3900 · PER · Administrative Communications Contact · Max 4 · Optional

      To identify a person or office to whom administrative communications should be directed

   8. 4000 · DTP · Date or Time or Period · Max 7 · Optional

      To specify any or all of a date, a time, or a time period

   9. 4100 · TBI · Trade Line Bureau Identifier · Max 5 · Optional

      To identify the credit repository and the associated credit files or hit levels for a particular item

   10. 4200 · PPD · Payment Pattern Details · Max 15 · Optional

       To identify the payment pattern of specific, credit-related items

   11. 4300 · NTE · Note/Special Instruction · Max 20 · Optional

       To transmit information in a free-form format, if necessary, for comment or special instruction

   12. 4350 · YNQ · Yes/No Question · Max 10 · Optional

       To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition

   13. AMT Loop Optional Repeat 6

       1. 4400 · AMT · Monetary Amount · Max 1 · Mandatory

          To indicate the total monetary amount

       2. 4500 · NTE · Note/Special Instruction · Max 20 · Optional

          To transmit information in a free-form format, if necessary, for comment or special instruction

3. RO Loop Optional Repeat 500

   1. 4600 · RO · Public Record or Obligation · Max 1 · Mandatory

      To provide details of public records or obligations

   2. 4700 · CDS · Case Description · Max 1 · Optional

      To identify and describe a specific court case

   3. 4800 · TBI · Trade Line Bureau Identifier · Max 5 · Optional

      To identify the credit repository and the associated credit files or hit levels for a particular item

   4. 4900 · DTP · Date or Time or Period · Max 10 · Optional

      To specify any or all of a date, a time, or a time period

   5. 5000 · NTE · Note/Special Instruction · Max 20 · Optional

      To transmit information in a free-form format, if necessary, for comment or special instruction

   6. 5050 · YNQ · Yes/No Question · Max 10 · Optional

      To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition

   7. AMT Loop Optional Repeat 6

      1. 5100 · AMT · Monetary Amount · Max 1 · Mandatory

         To indicate the total monetary amount

      2. 5200 · NTE · Note/Special Instruction · Max 20 · Optional

         To transmit information in a free-form format, if necessary, for comment or special instruction

   8. N1 Loop Mandatory Repeat 5

      1. 5300 · N1 · Name · Max 1 · Mandatory

         To identify a party by type of organization, name, and code

         The N1 segment is used to state the court, attorney, or garnishee name.

      2. 5400 · N2 · Additional Name Information · Max 2 · Optional

         To specify additional names

      3. 5500 · N3 · Address Information · Max 2 · Optional

         To specify the location of the named party

      4. 5600 · N4 · Geographic Location · Max 1 · Optional

         To specify the geographic place of the named party

4. CCI Loop Optional Repeat 5

   1. 5700 · CCI · Credit Counseling Information · Max 1 · Mandatory

      To define the applicant's participation in credit counseling

   2. 5800 · DTP · Date or Time or Period · Max 3 · Optional

      To specify any or all of a date, a time, or a time period

   3. 5900 · MSG · Message Text · Max 4 · Optional

      To provide a free-form format that allows the transmission of text information

5. INQ Loop Optional Repeat 100

   1. 6000 · INQ · Credit Inquiry Details · Max 1 · Mandatory

      To identify results of credit inquiry

      The INQ loop details credit inquiries.

   2. 6100 · TBI · Trade Line Bureau Identifier · Max 5 · Optional

      To identify the credit repository and the associated credit files or hit levels for a particular item

   3. 6200 · N1 · Name · Max 1 · Optional

      To identify a party by type of organization, name, and code

   4. 6300 · N2 · Additional Name Information · Max 2 · Optional

      To specify additional names

   5. 6400 · N3 · Address Information · Max 2 · Optional

      To specify the location of the named party

   6. 6500 · N4 · Geographic Location · Max 1 · Optional

      To specify the geographic place of the named party

   7. 6600 · PER · Administrative Communications Contact · Max 2 · Optional

      To identify a person or office to whom administrative communications should be directed

   8. 6700 · DTP · Date or Time or Period · Max 1 · Optional

      To specify any or all of a date, a time, or a time period

   9. 6800 · YNQ · Yes/No Question · Max 10 · Optional

      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.

   10. 6900 · NTE · Note/Special Instruction · Max 20 · Optional

       To transmit information in a free-form format, if necessary, for comment or special instruction

6. VAR Loop Optional Repeat 25

   1. 7000 · VAR · Credit File Variation · Max 1 · Mandatory

      To identify variations discovered in credit items or tradelines

      The VAR loop describes any variations discovered between credit files.

   2. 7100 · NTE · Note/Special Instruction · Max 50 · Optional

      To transmit information in a free-form format, if necessary, for comment or special instruction

   3. 7200 · IN1 · Individual Identification · Max 1 · Optional

      To provide identification of an individual or entity

   4. 7300 · IN2 · Individual Name Structure Components · Max 10 · Optional

      To sequence individual name components for maximum specificity

   5. 7400 · DMG · Demographic Information · Max 1 · Optional

      To supply demographic information

   6. 7500 · N10 · Quantity and Description · Max 1 · Optional

      To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value

   7. NX1 Loop Optional Repeat 10

      1. 7600 · NX1 · Property or Entity Identification · Max 1 · Mandatory

         To define the attributes of a property or an entity

      2. 7700 · NX2 · Location ID Component · Max 10 · Optional

         To define types and values of a geographic location

   8. N1 Loop Optional Repeat >1

      1. 7800 · N1 · Name · Max 1 · Mandatory

         To identify a party by type of organization, name, and code

      2. 7900 · N2 · Additional Name Information · Max 2 · Optional

         To specify additional names

      3. 8000 · N3 · Address Information · Max 2 · Optional

         To specify the location of the named party

      4. 8100 · N4 · Geographic Location · Max 1 · Optional

         To specify the geographic place of the named party

      5. 8200 · REF · Reference Identification · Max 1 · Optional

         To specify identifying information

      6. 8300 · PER · Administrative Communications Contact · Max 2 · Optional

         To identify a person or office to whom administrative communications should be directed

      7. 8400 · EMS · Employment Position · Max 1 · Optional

         To describe employment position

      8. 8500 · DTP · Date or Time or Period · Max 2 · Optional

         To specify any or all of a date, a time, or a time period

   9. SCM Loop Optional Repeat >1

      1. 8600 · SCM · Credit Score Model · Max 1 · Mandatory

         To define the credit score model used and the related score

         The SCM loop describes credit scoring specifics.

      2. 8700 · SCS · Credit Score · Max 5 · Optional

         To identify evaluation factors used in determining an applicant's credit score

7. 8800 · LS · Loop Header · Max 1 · Optional

   To indicate that the next segment begins a loop

8. NTE Loop Optional Repeat 20

   1. 8900 · NTE · Note/Special Instruction · Max 1 · Mandatory

      To transmit information in a free-form format, if necessary, for comment or special instruction

   2. 9000 · TBI · Trade Line Bureau Identifier · Max 5 · Optional

      To identify the credit repository and the associated credit files or hit levels for a particular item

   3. 9100 · MSG · Message Text · Max >1 · Optional

      To provide a free-form format that allows the transmission of text information

9. 9200 · LE · Loop Trailer · Max 1 · Optional

   To indicate that the loop immediately preceding this segment is complete

10. 9220 · LS · Loop Header · Max 1 · Optional

    To indicate that the next segment begins a loop

11. REF Loop Optional Repeat >1

    1. 9230 · REF · Reference Identification · Max 1 · Mandatory

       To specify identifying information

       The REF loop is used to convey summarized credit information.

    2. 9240 · G32 · Survey Question Response · Max >1 · Mandatory

       To provide information in response to ad hoc survey questions

       The G32 segment is used to convey summarized credit details.

    3. 9250 · NTE · Note/Special Instruction · Max 1 · Optional

       To transmit information in a free-form format, if necessary, for comment or special instruction

12. 9260 · LE · Loop Trailer · Max 1 · Optional

    To indicate that the loop immediately preceding this segment is complete

13. 9300 · SE · Transaction Set Trailer · Max 1 · Mandatory

    To indicate the end of the transaction set and provide the count of the transmitted segments (including the beginning (ST) and ending (SE) segments)