| Joint | J |
|---|---|
| Individual | I |
| Undesignated | U |
| Authorized user | A |
| Maker | M |
| Comaker | C |
| On Behalf of another person | B |
| Shared | S |
| Open Account (30 days or 90 days) | O |
| Revolving or Option (Open end account) | R |
| Installment (Fixed number of payments) | I |
| Too new to rate; approved but not used | 0 |
| Pays account as agreed | 1 |
| Pays in more than 30 days, but not more than 60 days or not more than one payment past due. | 2 |
| Pays in more than 60 days, but not more than 90 days or not more than two payment past due. | 3 |
| Pays in more than 90 days, but not more than 120 days or not more than three payment past due. | 4 |
| Pays in more than 120 days. | 5 |
| Making regular payments under wage earner or similar arrangements | 7 |
| Repossession | 8 |
| Bad debt; placed for collection | 9 |
