Zombie Debt Course

Account Information

What is needed to post

Account Number - Report the individual's complete and unique account number as extracted from your file. If you are changing an existing account number you will need to click on the "Change" button to the right of the field and enter in the new account number. The account number will be updated the next time you report to the credit bureau.

Account Type - Account type that identifies the account classification. Refer to the reference section on Account Type Codes and Account Type Codes By Industry for detailed information.

Portfolio Type - Type of account portfolio. Refer to the reference section on portfolio type for available values and their definitions.

Date Opened - Report the date the account was originally opened. Retain the original Date Opened regardless of future activity, such as transfer, refinance, lost or stolen car, etc. Valid Dates Opened must be reported - field cannot be zero or blank filled, nor contain a date in the future. For companies who report returned checks, such as collection agencies, report the date of the check.

Date Closed - For all portfolio types, enter the date the account was closed to further purchases or paid in full. For Line of Credit, Open or Revolving accounts, there may be a balance due. If not applicable, leave blank.

Original Charge-Off Amount - Only report this value if the account status is:

Account paid in full, was a charge-off (64)
Unpaid balance reported as a loss by credit grantor (charge-off) (97)

Credit Limit - This field will only be active if the portfolio type is Line of Credit or Revolving. If this field is active report the assigned credit limit, report whole dollars only. If this field is inactive, grayed out, do not report a credit limit.

Highest Credit or Original Amount (Largest Balance)- This value depends on the portfolio type for this account. For companies who report returned checks, such as collection agencies, report the original amount of the check, excluding fees and interest.

If Portfolio Type is Value to report is

Line of Credit (C) Highest balance ever attained
Installment (I) Original amount of the loan excluding interest payments
Mortgage (M) Original amount of the loan excluding interest payments
Open (O) Highest balance ever attained
Revolving (R) Highest balance ever attained

Current Balance - Report the total current balance of the account, whether increasing or declining, in whole dollars only. This amount can include late charges and fees. Report credit balance (negative balances) as zero. For accounts that have a portfolio type of mortgage, report the principal balance plus the interest due this month. Do not include future interest, escrow, fees or insurance payments.

Account Status - Report the account status that properly identifies the current condition of the account as of the Date of Account Information.

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Zombie Debt Course

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Account Information

What is needed to post