EDI 200 Mortgage Credit Report
Functional Group ME
X12F Finance Subcommittee
This X12 Transaction Set 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
- 0100Transaction Set HeaderMandatoryMax 1
To indicate the start of a transaction set and to assign a control number
- 0200Beginning SegmentMandatoryMax 1
To indicate the beginning of a transaction set
- 0300Credit Report Order DetailsMandatoryMax 1
To provide attributes of the credit report
- 0350Request ValidationOptionalMax 5
To specify the validity of the request and indicate follow-up action authorized
- 0400Date 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. - 0500Reference InformationOptionalMax >1
To specify identifying information
The REF segment is used to state order, case, loan, and data-authentication numbers. - 0600Monetary Amount InformationOptionalMax 3
To indicate the total monetary amount
The AMT segment records charges for a credit report. - 0700Property or Entity IdentificationOptionalMax 1
To define the attributes of a property or an entity
- 0800Location ID ComponentOptionalMax 10
To define types and values of a geographic location
- N1 Loop MandatoryRepeat 20
- 0900Party IdentificationMandatoryMax 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. - 1000Additional Name InformationOptionalMax 2
To specify additional names
- 1100Party LocationOptionalMax 2
To specify the location of the named party
- 1200Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 1300Reference InformationOptionalMax 3
To specify identifying information
- 1400Administrative Communications ContactOptionalMax 5
To identify a person or office to whom administrative communications should be directed
- 0900Party IdentificationMandatoryMax 1
Detail
- LX Loop MandatoryRepeat 2
- 0100Transaction Set Line NumberMandatoryMax 1
To reference a line number in a transaction set
- 0200Reference InformationOptionalMax 1
To specify identifying information
The REF segment is used to record an internal control number. - IN1 Loop MandatoryRepeat 15
- 0300Individual IdentificationMandatoryMax 1
To provide identification of an individual or entity
The IN1 loop describes applicant's name and aliases. - 0400Individual Name Structure ComponentsOptionalMax 10
To sequence individual name components for maximum specificity
- 0500Demographic InformationOptionalMax 1
To supply demographic information
- 0600Quantity 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. - 0700Administrative Communications ContactOptionalMax 3
To identify a person or office to whom administrative communications should be directed
- 0800Quantity InformationOptionalMax 15
To specify quantity information
The QTY segment is used to state the number and age of dependents. - 0900Yes/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. - 1000Note/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.
- 0300Individual IdentificationMandatoryMax 1
- NX1 Loop MandatoryRepeat 10
- 1100Property 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. - 1200Location ID ComponentOptionalMax 10
To define types and values of a geographic location
- 1300Date or Time or PeriodOptionalMax 1
To specify any or all of a date, a time, or a time period
- 1400Quantity and DescriptionOptionalMax 1
To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value
- 1500Applicant Residence SpecificsOptionalMax 1
To provide type of residency
- 1600Yes/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. - 1700Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- 1100Property or Entity IdentificationMandatoryMax 1
- N1 Loop OptionalRepeat 20
- 1800Party IdentificationMandatoryMax 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. - 1900Additional Name InformationOptionalMax 2
To specify additional names
- 2000Party LocationOptionalMax 2
To specify the location of the named party
- 2100Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 2200Reference InformationOptionalMax 1
To specify identifying information
- 2300Administrative Communications ContactOptionalMax 4
To identify a person or office to whom administrative communications should be directed
- 2400Date or Time or PeriodOptionalMax 1
To specify any or all of a date, a time, or a time period
- 2500Yes/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. - 2600Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- SOI Loop OptionalRepeat 5
- 2700Source of IncomeMandatoryMax 1
To define the source and related information about the income being reported
- 2800Employment PositionOptionalMax 1
To describe employment position
- 2900Date or Time or PeriodOptionalMax 1
To specify any or all of a date, a time, or a time period
- 2950Quantity and DescriptionOptionalMax 1
To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value
- 3000Yes/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
- 3100IncomeMandatoryMax 1
To provide type and amount of income obtained
- 3200Yes/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.
- 3100IncomeMandatoryMax 1
- 2700Source of IncomeMandatoryMax 1
- 1800Party IdentificationMandatoryMax 1
- 0100Transaction Set Line NumberMandatoryMax 1
- TLN Loop OptionalRepeat 1000
- 3300TradelineMandatoryMax 1
To report specific details on a tradeline or credit-related item
- 3400Party IdentificationMandatoryMax 1
To identify a party by type of organization, name, and code
The N1 segment is used to state the credit grantor name. - 3500Additional Name InformationOptionalMax 2
To specify additional names
- 3600Party LocationOptionalMax 2
To specify the location of the named party
- 3700Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 3800Reference InformationOptionalMax 1
To specify identifying information
- 3900Administrative Communications ContactOptionalMax 4
To identify a person or office to whom administrative communications should be directed
- 4000Date or Time or PeriodOptionalMax 7
To specify any or all of a date, a time, or a time period
- 4100Trade Line Bureau IdentifierOptionalMax 5
To identify the credit repository and the associated credit files or hit levels for a particular item
- 4200Payment Pattern DetailsOptionalMax 15
To identify the payment pattern of specific, credit-related items
- 4300Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- 4350Yes/No QuestionOptionalMax 10
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
- AMT Loop OptionalRepeat 6
- 4400Monetary Amount InformationMandatoryMax 1
To indicate the total monetary amount
- 4500Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- 4400Monetary Amount InformationMandatoryMax 1
- 3300TradelineMandatoryMax 1
- RO Loop OptionalRepeat 500
- 4600Public Record or ObligationMandatoryMax 1
To provide details of public records or obligations
- 4700Case DescriptionOptionalMax 1
To identify and describe a specific court case
- 4800Trade Line Bureau IdentifierOptionalMax 5
To identify the credit repository and the associated credit files or hit levels for a particular item
- 4900Date or Time or PeriodOptionalMax 10
To specify any or all of a date, a time, or a time period
- 5000Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- 5050Yes/No QuestionOptionalMax 10
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
- AMT Loop OptionalRepeat 6
- 5100Monetary Amount InformationMandatoryMax 1
To indicate the total monetary amount
- 5200Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- 5100Monetary Amount InformationMandatoryMax 1
- N1 Loop MandatoryRepeat 5
- 5300Party IdentificationMandatoryMax 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. - 5400Additional Name InformationOptionalMax 2
To specify additional names
- 5500Party LocationOptionalMax 2
To specify the location of the named party
- 5600Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 5300Party IdentificationMandatoryMax 1
- 4600Public Record or ObligationMandatoryMax 1
- CCI Loop OptionalRepeat 5
- 5700Credit Counseling InformationMandatoryMax 1
To define the applicant's participation in credit counseling
- 5800Date or Time or PeriodOptionalMax 3
To specify any or all of a date, a time, or a time period
- 5900Message TextOptionalMax 4
To provide a free-form format that allows the transmission of text information
- 5700Credit Counseling InformationMandatoryMax 1
- INQ Loop OptionalRepeat 100
- 6000Credit Inquiry DetailsMandatoryMax 1
To identify results of credit inquiry
The INQ loop details credit inquiries. - 6100Trade Line Bureau IdentifierOptionalMax 5
To identify the credit repository and the associated credit files or hit levels for a particular item
- 6200Party IdentificationOptionalMax 1
To identify a party by type of organization, name, and code
- 6300Additional Name InformationOptionalMax 2
To specify additional names
- 6400Party LocationOptionalMax 2
To specify the location of the named party
- 6500Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 6600Administrative Communications ContactOptionalMax 2
To identify a person or office to whom administrative communications should be directed
- 6700Date or Time or PeriodOptionalMax 1
To specify any or all of a date, a time, or a time period
- 6800Yes/No QuestionOptionalMax 10
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. - 6900Note/Special InstructionOptionalMax 20
To transmit information in a free-form format, if necessary, for comment or special instruction
- 6000Credit Inquiry DetailsMandatoryMax 1
- VAR Loop OptionalRepeat 25
- 7000Credit File VariationMandatoryMax 1
To identify variations discovered in credit items or tradelines
The VAR loop describes any variations discovered between credit files. - 7100Note/Special InstructionOptionalMax 50
To transmit information in a free-form format, if necessary, for comment or special instruction
- 7200Individual IdentificationOptionalMax 1
To provide identification of an individual or entity
- 7300Individual Name Structure ComponentsOptionalMax 10
To sequence individual name components for maximum specificity
- 7400Demographic InformationOptionalMax 1
To supply demographic information
- 7500Quantity and DescriptionOptionalMax 1
To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value
- NX1 Loop OptionalRepeat 10
- 7600Property or Entity IdentificationMandatoryMax 1
To define the attributes of a property or an entity
- 7700Location ID ComponentOptionalMax 10
To define types and values of a geographic location
- 7600Property or Entity IdentificationMandatoryMax 1
- N1 Loop OptionalRepeat >1
- 7800Party IdentificationMandatoryMax 1
To identify a party by type of organization, name, and code
- 7900Additional Name InformationOptionalMax 2
To specify additional names
- 8000Party LocationOptionalMax 2
To specify the location of the named party
- 8100Geographic LocationOptionalMax 1
To specify the geographic place of the named party
- 8200Reference InformationOptionalMax 1
To specify identifying information
- 8300Administrative Communications ContactOptionalMax 2
To identify a person or office to whom administrative communications should be directed
- 8400Employment PositionOptionalMax 1
To describe employment position
- 8500Date or Time or PeriodOptionalMax 2
To specify any or all of a date, a time, or a time period
- 7800Party IdentificationMandatoryMax 1
- SCM Loop OptionalRepeat >1
- 8600Credit Score ModelMandatoryMax 1
To define the credit score model used and the related score
The SCM loop describes credit scoring specifics. - 8700Credit ScoreOptionalMax 5
To identify evaluation factors used in determining an applicant's credit score
- 8600Credit Score ModelMandatoryMax 1
- 7000Credit File VariationMandatoryMax 1
- 8800Loop HeaderOptionalMax 1
To indicate that the next segment begins a loop
- NTE Loop OptionalRepeat 20
- 8900Note/Special InstructionMandatoryMax 1
To transmit information in a free-form format, if necessary, for comment or special instruction
- 9000Trade Line Bureau IdentifierOptionalMax 5
To identify the credit repository and the associated credit files or hit levels for a particular item
- 9100Message TextOptionalMax >1
To provide a free-form format that allows the transmission of text information
- 8900Note/Special InstructionMandatoryMax 1
- 9200Loop TrailerOptionalMax 1
To indicate that the loop immediately preceding this segment is complete
- 9220Loop HeaderOptionalMax 1
To indicate that the next segment begins a loop
- REF Loop OptionalRepeat >1
- 9230Reference InformationMandatoryMax 1
To specify identifying information
The REF loop is used to convey summarized credit information. - 9240Survey Question ResponseMandatoryMax >1
To provide information in response to ad hoc survey questions
The G32 segment is used to convey summarized credit details. - 9250Note/Special InstructionOptionalMax 1
To transmit information in a free-form format, if necessary, for comment or special instruction
- 9230Reference InformationMandatoryMax 1
- 9260Loop TrailerOptionalMax 1
To indicate that the loop immediately preceding this segment is complete
- 9300Transaction 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)