Credit Bureau Transmission Metro II Format

Constant ‘366’ in binary

Constant ‘header’

Constant ‘01’

Used by CCA – constant “cunadata”

Used by Equifax – constant ‘cunadata’

Used by Experian – constant D1720

Used by Trans Union – constant ‘cunadata’

Date tape was created

Date tape was created

Blank filled

The length of the physical record. The length of each segment should be included in the RDW.

For example:
Base Segment = 426
J2 Segment = 200
RDW = 0626

Constant ‘1’

MMDDYYYYHHMMSS - Date of transmission

Constant ‘0’

CUID and branch

Blank filled

The member's credit union-assigned account number followed by the note number.

The Consumer Account Number is comprised of the following:

1. 13 zeros
2. 11 digits of the member number. The 11 digits are selected based on the 350 Report Rule option: F indicates to use the first 11 digits (last digit truncated), and L indicates to use the last 11 digits (first digit truncated).
3. The six character note number of the loan with leading spaces translated to zeros.

The portfolio type derived from the Account Indicator field on the Loans – Credit Bureau tab. Any changes to the Account Indicator field may cause duplicate tradelines if the consumer reporting agencies are not notified prior to the change. The valid values are:

C - Line of Credit (Account Indicator is L or C)

I - Installment

M - Mortgage

The account type specified on the Loans – Credit Bureau tab.

MMDDYYYY – The loan open date specified in the Original Date field the Loans - General tab. Any changes to the Original Date field may cause duplicate tradelines if the consumer reporting agencies are not notified prior to the change.

The credit limit as specified in the Credit Limit field in the Loan Plan section on the Loans – General tab.

Portico will use a loan’s portfolio type to determine if the value in the Credit Limit field on the Loans – General tab should be reported. Portico derives the portfolio type from the Account Indicator field on the Loans - Credit Bureau tab. Open-ended loans with an Account Indicator field of I (Installment) or M (Mortgage) will be reported with a credit limit of 0.00, regardless of the actual value in the Credit Limit field on the Loans – General tab. To report the actual value in the Credit Limit field, you can change the Account Indicator field to L (Line of Credit). Any changes to the Account Indicator field may cause duplicate tradelines if the consumer reporting agencies are not notified prior to the change.

The highest amount of credit used by the member or the original loan amount depending on the loan portfolio type from the Highest Credit or Original Amount field on the Loans - Credit Bureau tab.

Portico derives the portfolio type from the Account Indicator field on the Loans - Credit Bureau tab.

• When the loan is a line of credit portfolio type (Account Indicator L or C), the Highest Credit or Original Amount field will display the highest amount of credit used by the member.
• When the loan is an installment or mortgage portfolio type (Account Indicator I or M), the Highest Credit or Original Amount field will display the original loan amount. If a loan is booked with a 0.00 balance, the field will be updated with the first disbursal amount processed on the loan. The value will not change after the first disbursal transaction, if multiple disbursal transactions are performed.

The duration of the credit extended:

Line of credit - LOC (portfolio types L and C)

Installment - Number of months (Calculation based on Terms Frequency. See Credit Reporting Resource Guide for details.)

Mortgage - Number of years (Calculation based on Terms Frequency. See Credit Reporting Resource Guide for details.)

Open - 001

Term - 001 ((portfolio types I and M)

Revolving - REV

Loans in deferment will report blank.

The payment frequency derived from the Frequency field on the Loans – Payment tab.

Loans in deferment will report D.

The calculated monthly payment amount due on the loan.

Loans in deferment will report 0.00.

For balloon loans where the final payment due date is before or the same as the reporting date, the amount to payoff the loan will be reported.

Loans paid in full will report 0.00.

For loans sold to another institution, Portico reports 0.00 as the payment amount due.

The payments applied to loan. Portico will use financial history to total all the payments applied on a loan in the reporting period.

The account status code as reflected in the Status Code field on the Loans - Credit Bureau tab, as determined in the month end back office cycle when applicable.

If the deferment type is M or S, loans in deferment will report status code 11 during the deferment period and in the month the loan the comes out of deferment. Then, the loan will report the status code according to the loan due date, if the status before deferment was 11 or 71-84.

If the deferment type is P, loans in deferment will report the status code reported the month end prior to entering the deferment period. If the deferred loan becomes current or paid/closed, the status code will be reported as current (11) or paid/closed (13) instead of the value saved from the month end prior to entering deferment.

The credit union is responsible for any maintenance needed to reflect the appropriate status code the month after the deferment period ends.

The status code on the Loans - Credit Bureau tab may not match the status code that is reported, as the Loans - Credit Bureau tab will reflect the actual calculated or manually-entered status code.

The 350 Report Rule options determine how Portico will update the Status Code field on the Loans - Credit Bureau tab for zero-balance loans. .

Indicates if the account is current, past due, in collections or charged off. The valid values are:

Blank - Loan has not been past due in the last 12 months (value when loan is booked)

0 - Current (less than 30 days delinquent)

1 - 30-59 days past due

2 - 60-89 days past due

3 - 90-119 days past due

4 - 120-149 days past due

5 - 150-179 days past due

6 - 180 days + past due

G - Collections

L - Charge-off

Only loans with status codes 05, 13, 65, 88, 89, 94, or 95 will report a payment rating value. All other status codes will report blank.

A loan with status code 94 and payment history H will report the number of days past due for the payment rating.

Any zero-balance loans with status code 13 (paid/closed) and a last financial transaction date prior to the current month will be reported with a payment rating value of 0.

The payment history codes of the loan at the time the 350 Report is produced. Portico reports the past 2-12 months of history (not the current month), in the credit bureau transmission and on the 350 Report. This value is obtained from Delinquency History Codes field on the Loans - Delinquency tab. The valid values are:

0 - Current (less than 30 days delinquent)

B - no payment history available prior to this time, either because the account was not open or because the payment history cannot be furnished. (For loans purchased by the credit union, B appears for the months the loan was owned by the previous lender.)

D - no payment history reported / available this month (deferred)

1 - 30-59 days delinquent. The account status code is 71.

2 - 60-89 days delinquent. The account status code is 78.

3 - 90-119 days delinquent. The account status code is 80.

4 - 120-149 days delinquent. The account status code is 82.

5 - 150-179 days delinquent. The account status code is 83.

6 - 180 plus days delinquent. The account status code is 84.

G - The account status code is 62 or 93.

H - The account status code is 94.

J - The account status code is 61 or 95.

K - The account status code is 63 or 96.

L - The account status code is 64 or 97.

The special comment code from the Loans – Credit Bureau tab. Corresponds to the Associated Credit Bureaus, Inc. Special Comment Codes. This description is used with the Account Status to further define the account for credit bureau reporting.

The 350 Report Rule options determine if Portico will change the Special Comment Code field to CJ on the Loans - Credit Bureau tab for loans with an Account Indicator of L – Line of Credit or C – Credit Card and a loan balance of 0.00.

For loans sold to another institution, Portico reports a special comment code of AH. For loans with special comment code AH that the credit union purchased from another institution, Portico changes the special comment code to blank.

The compliance condition code from the Loans – Credit Bureau tab.

The outstanding balance of the loan at the time the 350 Report is produced.

Loan balances less than $1.00, but greater than 0.00 will be reported as 1.00.

For loans sold to another institution, Portico reports 0.00 as the loan balance.

The past due amount at the time the 350 Report is produced.

For loans sold to another institution, Portico reports 0.00 as the past due amount.

The loan charge off amount from the Loans - Credit Bureau tab. The charge off amount will be reported in the credit bureau transmission and in the CHG OFF field on the 350 Report if the loan Status field is C - Charged off on the Loans - General tab and the Status Code field is 64 or 97 on the Loans - Credit Bureau tab.

MMDDYYYY – The date the transmission was created.

The date of first delinquency on the loan derived from the Status Changed field or the Bankruptcy or Personal Receivership Petition field on the Loans - Credit Bureau tab, depending on the status code, payment rating and consumer information indicator.

• Account status codes 61-65, 71-84, 88-89, and 93-97 will report the date of the first 30 day delinquency that led to this account status being reported. This should be a date 30 days after the due date when the loan first became delinquent. Portico stores this date in the Status Changed field.
• Account Status codes 05 (transfer) and 13 (paid/closed, zero balance) that have a payment rating other than 0 (current) will report the date of the first 30 day delinquency that led to this payment rating being reported. This should be a date 30 days after the due date when the loan first became delinquent. Portico stores this date in the Status Changed field.
• Consumer Information Indicators A-H, & Z (bankruptcies), 1A (Personal Receivership), and V-Y (Reaffirmation of Debt Rescinded) if the account is current (Account Status = 11, or Account Status = 05 or 13 with Payment Rating=0) report the date in the Bankruptcy or Personal Receivership Petition field.

If none of these conditions are met, zero will be reported in the credit bureau transmission. If zero reported in the credit bureau transmission, the 1ST DLQ field will be blank on the 350 Report. Therefore, a date may appear in the Status Changed field or the Bankruptcy or Personal Receivership Petition field on the Loans - Credit Bureau tab, but it will not appear in the 1ST DLQ field on the 350 Report.

For all portfolio types, the Date Closed field contains the date the account was closed to further purchases, paid in full, transferred or sold. For line of credit loans, a balance may be due on the loan.

The 350 Report Rule options determine how Portico will update this field automatically. For zero-balance loans, the ZERO BALANCE STATUS CODE / DATE CLOSED OPTIONS fields indicate how Portico will update the Date Closed field based on the type of loan specified in the Account Indicator field for status codes 11, 13, 61-65, 71, 78, 80, 82-84, 89, and 94. For loans with an Account Indicator field of L (line of credit) or C (credit card), the DATE CLOSED - LOANS WITH DRAW PERIOD AND ACCOUNT INDICATOR L OR C field on the 350 Report Rules indicates if Portico will populate the Date Closed field with the draw period expiration date for status codes 11, 13, 71, 78, 80, 82, 83, and 84. This option does not require a zero-balance on the loan. Refer to the 350 Report documentation for more details.

To report a loan to the credit bureau after it has been sent as closed or if the date closed that was originally reported to the credit bureau should be modified, change the Date Closed field to blank. This will indicate to Portico that the loan should be reported to the credit bureau the next month end. You can then manually enter the correct date in the Date Closed field, if necessary.

For loans sold to another institution, Portico will report the date the loan was sold. If the Date Closed field is blank, Portico reports the month-end date in which the loan was sold. If the Date Closed field is not blank, Portico reports the date in this field.

MMDDYY – The date when the last loan payment was made.

1 - Newly opened accounts

blank - Account or borrower is not new

The last name of the owner or a borrower on the loan.

The first name of the owner or a borrower on the loan.

Note: The member name is derived from the Statement Name field on the Contact Information tab. Due to the parsing of the statement name into first, middle and last name for the credit bureau transmission, statement names with a prefix (e.g. Miss, Mrs, Mr, Ms, and Dr) will be reviewed and the prefix will be removed from the credit bureau transmission and 350 Report. To ensure that the prefix is identified and removed, a period or space must appear after the prefixes Mrs, Mr, Ms, and Dr in the Statement Name field. For the prefix Miss, a space must appear after the prefix in the Statement Name field.

The middle initial of the owner or a borrower on the loan.

Generation code: J = Junior, S = Senior, 2 = II, 3 = III, 4 = IV, 5 = V, 6 = VI, 7 = VII, 8 = VIII, 9 = IX

The date of birth of the owner or a borrower on the loan.

The phone number of the owner or a borrower on the loan.

The ECOA code specified for the loan in the ECOA Code field on the Loans – Credit Bureau tab.

The consumer information code indicating a special condition applying to the member or borrower. This field is derived from the Consumer Information Indicator field on the Loans – Credit Bureau tab.

Country codes

The address of the owner or a borrower on the loan.

If the Relationship Indicator field on the Loan Borrowers/References dialog box for the borrower is 1 - Joint Borrower/Address excluded, a J1 segment is created and no address will be listed for the borrower. If a borrower on a loan has a different address than the member (Relationship Indicator field is 2 or 3), a J2 segment is created and the borrower's address will appear below the borrower's name.

If the demographic information is associated with the primary member on the loan, the information will appear on the 350 Report with the first loan, but not on any subsequent loans associated with the primary member. If the demographic information is associated with the owner of the loan, the information will appear on the 350 with the first loan and on all subsequent loans associated with the owner. If the demographic information is different from the information reported for the previous loan, the demographic information will appear on subsequent loans associated with the member. For example:

• Note 1 lists the primary member's demographic information from the Contact Information tab.
• Note 2 and note 3 have the same demographic information associated with the primary member so nothing will appear.
• For note 4, the owner of the loan is a borrower on the loan, not the member, so the borrower's demographic information will appear.
• Note 5 is owned by the member so the member's demographic information from the Contact Information tab appears.

The address indicator specified in the Metro 2 Address Indicator field on the Ownership Information tab or the Address Indicator field on the Loan Borrowers/ References dialog box.

not used – blank filled

J1

1 - newly opened accounts

blank - account or borrower is not new

Co-borrower last name

Co-borrower first name

Co-borrower middle name

Generation code: J = Junior, S = Senior, 2 = II, 3 = III, 4 = IV, 5 = V, 6 = VI, 7 = VII, 8 = VIII, 9 = IX

Co-borrower SSN

Co-borrower birth date

Co-borrower telephone number

The ECOA code specified for the borrower in the ECOA Code field on the Loan Borrowers/References dialog box.

1 - Individual

2 - Joint Contractual Liability

3 - Authorized User

5 - Co-maker or Guarantor

7 - Maker (co-maker liable if maker defaults)

T - Terminated

W - Commercial / Business

X - Deceased

Z - Delete Customer

The consumer information code indicating a special condition applying to the member or borrower. This field is derived from the Consumer Information Indicator field on the Loan Borrowers/References dialog box.

Constant blank filled

J2

1- Newly open-ended account
blank - Account or borrower is not new

Co-borrower last name

Co-borrower first name

Co-borrower middle name

Generation code: J = Junior, S = Senior, 2 = II, 3 = III, 4 = IV, 5 = V, 6 = VI, 7 = VII, 8 = VIII, 9 = IX

Co-borrower SSN

Co-borrower birth date

Co-borrower telephone number

The ECOA code specified for the borrower in the ECOA Code field on the Loan Borrowers/References dialog box.

1 - Individual

2 - Joint Contractual Liability

3 - Authorized User

5 - Co-maker or Guarantor

7 - Maker (co-maker liable if maker defaults)

T - Terminated

W - Commercial / Business

X - Deceased

Z - Delete Customer

The consumer information code indicating a special condition applying to the member or borrower. This field is derived from the Consumer Information Indicator field on the Loan Borrowers/References dialog box.

Country code

Co-borrower address

Co-borrower address

Co-borrower city

Co-borrower state

Co-borrower zip

The address indicator specified on the Loan Borrowers/References dialog box. The valid values are:

B - Business Address (not consumer’s residence)

C - Confirmed/Verified address

D - Data reporter’s default address

M - Military address

N - Not confirmed address

P - Bill Payer Service ( not consumer’s residence)

S - Secondary Address

U - Non-deliverable address/Returned mail

Y - Known to be address of primary consumer.

This field supports the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 (known as the Red Flag Rule) which requires a consumer reporting agency (CRA) to provide the user of a consumer report “a notice of address discrepancy” if the address provided by the user is “substantially different” from the address the CRA has on the consumer. The Address Indicator field on the Metro II transmission enables you to report a confirmed or verified address to the credit bureau.

Portico will enter the value selected in the Address Indicator field on the Ownership Information tab in the Metro II transmission and in the AI column on the 350 Report.

Blank filled

Blank filled

If the Sold To/Purchased From field on the 350 Report Rules is S, Portico reports a value of 2.

If the Sold To/Purchased From field on the 350 Report Rules is P, Portico reports a value of 1.

If the Purchased From/Sold To Indicator field is 1 or 2, Portico reports the name in the Institution field on the 350 Report Rules.

If the institution field is blank, no institution name will be reported.

K4

The type of payment

01 - Balloon Payment

02 - Deferred payment

MMDDYYYY

The scheduled payment due date when a loan is currently in a deferment or accommodation period. The K4 segment is reported if the Deferred Payment Start Date is greater than the deferment end date.

The repayment begin date for student loans.

The date the balloon payment is due from the Final Payment Date field on the Residual Payment Information dialog box.

The amount of the balloon payment in whole dollars from the Final Payment field on the Residual Payment Information dialog box.

Blank filled

L1

The code representing the change being reported. Valid values:

1 - Consumer account number change only.

2 - Identification number change only.

3 - Consumer account number and identification number change.

The new consumer account number assigned to the account. This is the first 11 or last 11 digits of the 12 -digit member account number depending on the 350 Report Rules, followed by the 6 character note number. Spaces are converted to zeros. Any changes to the member account number may cause duplicate tradelines if the consumer reporting agencies are not notified prior to the change.

If change indicator is 2, this field will be blank.

Contains new identification number assigned to this account.

If change indicator is 1, this field will be blank.

Blank