200 - Mortgage Credit Report

FUNCTIONAL GROUP=ME

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).

SCHEMA

ST

Segment	Name	Position
ST	Transaction Set Header	0100
BGN	Beginning Segment	0200
CRO	Credit Report Order Details	0300
AAA	Request Validation	0350
DTP	Date or Time or Period	0400
REF	Reference Information	0500
AMT	Monetary Amount Information	0600
NX1	Property or Entity Identification	0700
NX2	Location ID Component	0800

N1

Segment	Name	Position
N1	Party Identification	0900
N2	Additional Name Information	1000
N3	Party Location	1100
N4	Geographic Location	1200
REF	Reference Information	1300
PER	Administrative Communications Contact	1400

LX

Segment	Name	Position
LX	Transaction Set Line Number	0100
REF	Reference Information	0200

IN1

Segment	Name	Position
IN1	Individual Identification	0300
IN2	Individual Name Structure Components	0400
DMG	Demographic Information	0500
N10	Quantity and Description	0600
PER	Administrative Communications Contact	0700
QTY	Quantity Information	0800
YNQ	Yes/No Question	0900
NTE	Note/Special Instruction	1000

NX1

Segment	Name	Position
NX1	Property or Entity Identification	1100
NX2	Location ID Component	1200
DTP	Date or Time or Period	1300
N10	Quantity and Description	1400
ARS	Applicant Residence Specifics	1500
YNQ	Yes/No Question	1600
NTE	Note/Special Instruction	1700

N1

Segment	Name	Position
N1	Party Identification	1800
N2	Additional Name Information	1900
N3	Party Location	2000
N4	Geographic Location	2100
REF	Reference Information	2200
PER	Administrative Communications Contact	2300
DTP	Date or Time or Period	2400
YNQ	Yes/No Question	2500
NTE	Note/Special Instruction	2600

SOI

Segment	Name	Position
SOI	Source of Income	2700
EMS	Employment Position	2800
DTP	Date or Time or Period	2900
N10	Quantity and Description	2950
YNQ	Yes/No Question	3000

AIN

Segment	Name	Position
AIN	Income	3100
YNQ	Yes/No Question	3200

TLN

Segment	Name	Position
TLN	Tradeline	3300
N1	Party Identification	3400
N2	Additional Name Information	3500
N3	Party Location	3600
N4	Geographic Location	3700
REF	Reference Information	3800
PER	Administrative Communications Contact	3900
DTP	Date or Time or Period	4000
TBI	Trade Line Bureau Identifier	4100
PPD	Payment Pattern Details	4200
NTE	Note/Special Instruction	4300
YNQ	Yes/No Question	4350

AMT

Segment	Name	Position
AMT	Monetary Amount Information	4400
NTE	Note/Special Instruction	4500

RO

Segment	Name	Position
RO	Public Record or Obligation	4600
CDS	Case Description	4700
TBI	Trade Line Bureau Identifier	4800
DTP	Date or Time or Period	4900
NTE	Note/Special Instruction	5000
YNQ	Yes/No Question	5050

AMT

Segment	Name	Position
AMT	Monetary Amount Information	5100
NTE	Note/Special Instruction	5200

N1

Segment	Name	Position
N1	Party Identification	5300
N2	Additional Name Information	5400
N3	Party Location	5500
N4	Geographic Location	5600

CCI

Segment	Name	Position
CCI	Credit Counseling Information	5700
DTP	Date or Time or Period	5800
MSG	Message Text	5900

INQ

Segment	Name	Position
INQ	Credit Inquiry Details	6000
TBI	Trade Line Bureau Identifier	6100
N1	Party Identification	6200
N2	Additional Name Information	6300
N3	Party Location	6400
N4	Geographic Location	6500
PER	Administrative Communications Contact	6600
DTP	Date or Time or Period	6700
YNQ	Yes/No Question	6800
NTE	Note/Special Instruction	6900

VAR

Segment	Name	Position
VAR	Credit File Variation	7000
NTE	Note/Special Instruction	7100
IN1	Individual Identification	7200
IN2	Individual Name Structure Components	7300
DMG	Demographic Information	7400
N10	Quantity and Description	7500

NX1

Segment	Name	Position
NX1	Property or Entity Identification	7600
NX2	Location ID Component	7700

N1

Segment	Name	Position
N1	Party Identification	7800
N2	Additional Name Information	7900
N3	Party Location	8000
N4	Geographic Location	8100
REF	Reference Information	8200
PER	Administrative Communications Contact	8300
EMS	Employment Position	8400
DTP	Date or Time or Period	8500

SCM

Segment	Name	Position
SCM	Credit Score Model	8600
SCS	Credit Score	8700
LS	Loop Header	8800

NTE

Segment	Name	Position
NTE	Note/Special Instruction	8900
TBI	Trade Line Bureau Identifier	9000
MSG	Message Text	9100
LE	Loop Trailer	9200
LS	Loop Header	9220

REF

Segment	Name	Position
REF	Reference Information	9230
G32	Survey Question Response	9240
NTE	Note/Special Instruction	9250
LE	Loop Trailer	9260
SE	Transaction Set Trailer	9300

COMMENTS

Notes
1/0400	The DTP segment is used to state the original release and last-ordered date.
1/0500	The REF segment is used to state order, case, loan, and data-authentication numbers.
1/0600	The AMT segment records charges for a credit report.
1/0900	The N1 loop is used to describe reporting agency, requestor, repository, and bill-to-info information.
2/0200	The REF segment is used to record an internal control number.
2/0300	The IN1 loop describes applicant's name and aliases.
2/0600	The N10 segment is used to indicate age in number of years or text.
2/0800	The QTY segment is used to state the number and age of dependents.
2/0900	The YNQ segment indicates whether or not the applicant has been interviewed.
2/1000	The NTE segment is used to report any interview comments.
2/1100	The NX1 loop describes details of applicant's current and previous addresses.
2/1600	The YNQ segment indicates whether or not the rent has been verified.
2/1800	The N1 loop describes the names of current and previous employers, tenants, and nonemployment income sources.
2/2500	The YNQ segment indicates whether or not the employer has been verified.
2/3000	The YNQ segment indicates whether or not the position has been verified.
2/3200	The YNQ segment indicates whether or not the income has been verified.
2/3400	The N1 segment is used to state the credit grantor name.
2/5300	The N1 segment is used to state the court, attorney, or garnishee name.
2/6000	The INQ loop details credit inquiries.
2/6800	The YNQ segment indicates whether or not the inquiry has been verified.
2/7000	The VAR loop describes any variations discovered between credit files.
2/8600	The SCM loop describes credit scoring specifics.
2/9230	The REF loop is used to convey summarized credit information.
2/9240	The G32 segment is used to convey summarized credit details.

rev 28/11/2024