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Transaction Set
in
X12 Release 004010

200 Mortgage Credit Report

Functional Group ME

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

Sequence
Segment
Name
Max use
010
Transaction Set HeaderMandatory
Max 1
To indicate the start of a transaction set and to assign a control number
020
Beginning SegmentMandatory
Max 1
To indicate the beginning of a transaction set
030
Credit Report Order DetailsMandatory
Max 1
To provide attributes of the credit report
035
Request Validation
Max 5
To specify the validity of the request and indicate follow-up action authorized
040
Date or Time or Period
Max 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.
050
Reference Identification
Max 10
To specify identifying information
The REF segment is used to state order, case, loan, and data-authentication numbers.
060
Monetary Amount
Max 3
To indicate the total monetary amount
The AMT segment records charges for a credit report.
070
Property or Entity Identification
Max 1
To define the attributes of a property or an entity
080
Location ID Component
Max 10
To define types and values of a geographic location
N1 Loop
Repeat 20
090
NameMandatory
Max 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.
100
Additional Name Information
Max 2
To specify additional names or those longer than 35 characters in length
110
Address Information
Max 2
To specify the location of the named party
120
Geographic Location
Max 1
To specify the geographic place of the named party
130
Reference Identification
Max 3
To specify identifying information
140
Administrative Communications Contact
Max 5
To identify a person or office to whom administrative communications should be directed

Detail

Sequence
Segment
Name
Max use
LX Loop
Repeat 2
010
Assigned NumberMandatory
Max 1
To reference a line number in a transaction set
020
Reference Identification
Max 1
To specify identifying information
The REF segment is used to record an internal control number.
IN1 Loop
Repeat 15
030
Individual IdentificationMandatory
Max 1
To provide identification of an individual or entity
The IN1 loop describes applicant's name and aliases.
040
Individual Name Structure Components
Max 10
To sequence individual name components for maximum specificity
050
Demographic Information
Max 1
To supply demographic information
060
Quantity and Description
Max 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.
070
Administrative Communications Contact
Max 3
To identify a person or office to whom administrative communications should be directed
080
Quantity
Max 15
To specify quantity information
The QTY segment is used to state the number and age of dependents.
090
Yes/No Question
Max 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.
100
Note/Special Instruction
Max 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.
NX1 Loop
Repeat 10
110
Property or Entity IdentificationMandatory
Max 1
To define the attributes of a property or an entity
The NX1 loop describes details of applicant's current and previous addresses.
120
Location ID Component
Max 10
To define types and values of a geographic location
130
Date or Time or Period
Max 1
To specify any or all of a date, a time, or a time period
140
Quantity and Description
Max 1
To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value
150
Applicant Residence Specifics
Max 1
To provide type of residency
160
Yes/No Question
Max 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.
170
Note/Special Instruction
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
N1 Loop
Repeat 20
180
Name
Max 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.
190
Additional Name Information
Max 2
To specify additional names or those longer than 35 characters in length
200
Address Information
Max 2
To specify the location of the named party
210
Geographic Location
Max 1
To specify the geographic place of the named party
220
Reference Identification
Max 1
To specify identifying information
230
Administrative Communications Contact
Max 4
To identify a person or office to whom administrative communications should be directed
240
Date or Time or Period
Max 1
To specify any or all of a date, a time, or a time period
250
Yes/No Question
Max 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.
260
Note/Special Instruction
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
SOI Loop
Repeat 5
270
Source of Income
Max 1
To define the source and related information about the income being reported
280
Employment Position
Max 1
To describe employment position
290
Date or Time or Period
Max 1
To specify any or all of a date, a time, or a time period
295
Quantity and Description
Max 1
To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value
300
Yes/No Question
Max 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
Repeat 7
310
Income
Max 1
To provide type and amount of income obtained
320
Yes/No Question
Max 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.
TLN Loop
Repeat 1000
330
Tradeline
Max 1
To report specific details on a tradeline or credit-related item
340
NameMandatory
Max 1
To identify a party by type of organization, name, and code
The N1 segment is used to state the credit grantor name.
350
Additional Name Information
Max 2
To specify additional names or those longer than 35 characters in length
360
Address Information
Max 2
To specify the location of the named party
370
Geographic Location
Max 1
To specify the geographic place of the named party
380
Reference Identification
Max 1
To specify identifying information
390
Administrative Communications Contact
Max 4
To identify a person or office to whom administrative communications should be directed
400
Date or Time or Period
Max 7
To specify any or all of a date, a time, or a time period
410
Trade Line Bureau Identifier
Max 5
To identify the credit repository and the associated credit files or hit levels for a particular item
420
Payment Pattern Details
Max 15
To identify the payment pattern of specific, credit-related items
430
Note/Special Instruction
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
AMT Loop
Repeat 6
440
Monetary Amount
Max 1
To indicate the total monetary amount
450
Note/Special Instruction
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
RO Loop
Repeat 500
460
Public Record or Obligation
Max 1
To provide details of public records or obligations
470
Case Description
Max 1
To identify and describe a specific court case
480
Trade Line Bureau Identifier
Max 5
To identify the credit repository and the associated credit files or hit levels for a particular item
490
Date or Time or Period
Max 5
To specify any or all of a date, a time, or a time period
500
Note/Special Instruction
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
AMT Loop
Repeat 6
510
Monetary Amount
Max 1
To indicate the total monetary amount
520
Note/Special Instruction
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
N1 Loop
Repeat 5
530
NameMandatory
Max 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.
540
Additional Name Information
Max 2
To specify additional names or those longer than 35 characters in length
550
Address Information
Max 2
To specify the location of the named party
560
Geographic Location
Max 1
To specify the geographic place of the named party
CCI Loop
Repeat 5
570
Credit Counseling Information
Max 1
To define the applicant's participation in credit counseling
580
Date or Time or Period
Max 3
To specify any or all of a date, a time, or a time period
590
Message Text
Max 4
To provide a free-form format that allows the transmission of text information
INQ Loop
Repeat 100
600
Credit Inquiry Details
Max 1
To identify results of credit inquiry
The INQ loop details credit inquiries.
610
Trade Line Bureau Identifier
Max 5
To identify the credit repository and the associated credit files or hit levels for a particular item
620
Name
Max 1
To identify a party by type of organization, name, and code
630
Additional Name Information
Max 2
To specify additional names or those longer than 35 characters in length
640
Address Information
Max 2
To specify the location of the named party
650
Geographic Location
Max 1
To specify the geographic place of the named party
660
Administrative Communications Contact
Max 2
To identify a person or office to whom administrative communications should be directed
670
Date or Time or Period
Max 1
To specify any or all of a date, a time, or a time period
680
Yes/No Question
Max 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.
690
Note/Special Instruction
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
VAR Loop
Repeat 25
700
Credit File Variation
Max 1
To identify variations discovered in credit items or tradelines
The VAR loop describes any variations discovered between credit files.
710
Note/Special Instruction
Max 50
To transmit information in a free-form format, if necessary, for comment or special instruction
720
Individual Identification
Max 1
To provide identification of an individual or entity
730
Individual Name Structure Components
Max 10
To sequence individual name components for maximum specificity
740
Demographic Information
Max 1
To supply demographic information
750
Quantity and Description
Max 1
To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value
NX1 Loop
Repeat 10
760
Property or Entity Identification
Max 1
To define the attributes of a property or an entity
770
Location ID Component
Max 10
To define types and values of a geographic location
N1 Loop
Repeat >1
780
Name
Max 1
To identify a party by type of organization, name, and code
790
Additional Name Information
Max 2
To specify additional names or those longer than 35 characters in length
800
Address Information
Max 2
To specify the location of the named party
810
Geographic Location
Max 1
To specify the geographic place of the named party
820
Reference Identification
Max 1
To specify identifying information
830
Administrative Communications Contact
Max 2
To identify a person or office to whom administrative communications should be directed
840
Employment Position
Max 1
To describe employment position
850
Date or Time or Period
Max 2
To specify any or all of a date, a time, or a time period
SCM Loop
Repeat 3
860
Credit Score Model
Max 1
To define the credit score model used and the related score
The SCM loop describes credit scoring specifics.
870
Credit Score
Max 5
To identify evaluation factors used in determining an applicant's credit score
880
Loop Header
Max 1
To indicate that the next segment begins a loop
NTE Loop
Repeat 20
890
Note/Special Instruction
Max 1
To transmit information in a free-form format, if necessary, for comment or special instruction
900
Trade Line Bureau Identifier
Max 5
To identify the credit repository and the associated credit files or hit levels for a particular item
910
Message Text
Max >1
To provide a free-form format that allows the transmission of text information
920
Loop Trailer
Max 1
To indicate that the loop immediately preceding this segment is complete
922
Loop Header
Max 1
To indicate that the next segment begins a loop
REF Loop
Repeat >1
923
Reference Identification
Max 1
To specify identifying information
The REF loop is used to convey summarized credit information.
924
Survey Question ResponseMandatory
Max >1
To provide information in response to ad hoc survey questions
The G32 segment is used to convey summarized credit details.
925
Note/Special Instruction
Max 1
To transmit information in a free-form format, if necessary, for comment or special instruction
926
Loop Trailer
Max 1
To indicate that the loop immediately preceding this segment is complete
930
Transaction Set TrailerMandatory
Max 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)
Stedi is a registered trademark of Stedi, Inc. Stedi's EDI Reference and Mapping Guides are provided for marketing purposes and are free of charge. All names, logos, and brands of third parties listed on our site are trademarks of their respective owners (including “X12”, which is a trademark of X12 Incorporated). Stedi, Inc. and its products and services are not endorsed by, sponsored by, or affiliated with these third parties. Our use of these names, logos, and brands is for identification purposes only, and does not imply any such endorsement, sponsorship, or affiliation.
Stedi is a registered trademark of Stedi, Inc. Stedi's EDI Reference and Mapping Guides are provided for marketing purposes and are free of charge. All names, logos, and brands of third parties listed on our site are trademarks of their respective owners (including “X12”, which is a trademark of X12 Incorporated). Stedi, Inc. and its products and services are not endorsed by, sponsored by, or affiliated with these third parties. Our use of these names, logos, and brands is for identification purposes only, and does not imply any such endorsement, sponsorship, or affiliation.