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

Position
Segment
Name
Max use
  1. To indicate the start of a transaction set and to assign a control number

  2. To indicate the beginning of a transaction set

  3. To provide attributes of the credit report

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

  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.
  6. To specify identifying information

    The REF segment is used to state order, case, loan, and data-authentication numbers.
  7. To indicate the total monetary amount

    The AMT segment records charges for a credit report.
  8. To define the attributes of a property or an entity

  9. To define types and values of a geographic location

  10. N1 Loop Mandatory
    Repeat 20
    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.
    2. To specify additional names

    3. To specify the location of the named party

    4. To specify the geographic place of the named party

    5. To specify identifying information

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

Detail

Position
Segment
Name
Max use
  1. LX Loop Mandatory
    Repeat 2
    1. To reference a line number in a transaction set

    2. To specify identifying information

      The REF segment is used to record an internal control number.
    3. IN1 Loop Mandatory
      Repeat 15
      1. To provide identification of an individual or entity

        The IN1 loop describes applicant's name and aliases.
      2. To sequence individual name components for maximum specificity

      3. To supply demographic information

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

      6. To specify quantity information

        The QTY segment is used to state the number and age of dependents.
      7. 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. 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. To define the attributes of a property or an entity

        The NX1 loop describes details of applicant's current and previous addresses.
      2. To define types and values of a geographic location

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

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

      5. To provide type of residency

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

    5. N1 Loop Optional
      Repeat 20
      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.
      2. To specify additional names

      3. To specify the location of the named party

      4. To specify the geographic place of the named party

      5. To specify identifying information

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

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

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

      10. SOI Loop Optional
        Repeat 5
        1. To define the source and related information about the income being reported

        2. To describe employment position

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

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

        5. 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. To provide type and amount of income obtained

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

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

      The N1 segment is used to state the credit grantor name.
    3. To specify additional names

    4. To specify the location of the named party

    5. To specify the geographic place of the named party

    6. To specify identifying information

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

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

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

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

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

    12. 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. To indicate the total monetary amount

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

  3. RO Loop Optional
    Repeat 500
    1. To provide details of public records or obligations

    2. To identify and describe a specific court case

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

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

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

    6. 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. To indicate the total monetary amount

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

    8. N1 Loop Mandatory
      Repeat 5
      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.
      2. To specify additional names

      3. To specify the location of the named party

      4. To specify the geographic place of the named party

  4. CCI Loop Optional
    Repeat 5
    1. To define the applicant's participation in credit counseling

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

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

  5. INQ Loop Optional
    Repeat 100
    1. To identify results of credit inquiry

      The INQ loop details credit inquiries.
    2. To identify the credit repository and the associated credit files or hit levels for a particular item

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

    4. To specify additional names

    5. To specify the location of the named party

    6. To specify the geographic place of the named party

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

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

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

  6. VAR Loop Optional
    Repeat 25
    1. To identify variations discovered in credit items or tradelines

      The VAR loop describes any variations discovered between credit files.
    2. To transmit information in a free-form format, if necessary, for comment or special instruction

    3. To provide identification of an individual or entity

    4. To sequence individual name components for maximum specificity

    5. To supply demographic information

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

    7. NX1 Loop Optional
      Repeat 10
      1. To define the attributes of a property or an entity

      2. To define types and values of a geographic location

    8. N1 Loop Optional
      Repeat >1
      1. To identify a party by type of organization, name, and code

      2. To specify additional names

      3. To specify the location of the named party

      4. To specify the geographic place of the named party

      5. To specify identifying information

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

      7. To describe employment position

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

    9. SCM Loop Optional
      Repeat >1
      1. To define the credit score model used and the related score

        The SCM loop describes credit scoring specifics.
      2. To identify evaluation factors used in determining an applicant's credit score

  7. To indicate that the next segment begins a loop

  8. NTE Loop Optional
    Repeat 20
    1. To transmit information in a free-form format, if necessary, for comment or special instruction

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

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

  9. To indicate that the loop immediately preceding this segment is complete

  10. To indicate that the next segment begins a loop

  11. REF Loop Optional
    Repeat >1
    1. To specify identifying information

      The REF loop is used to convey summarized credit information.
    2. To provide information in response to ad hoc survey questions

      The G32 segment is used to convey summarized credit details.
    3. To transmit information in a free-form format, if necessary, for comment or special instruction

  12. To indicate that the loop immediately preceding this segment is complete

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

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