CREDIT_LIABILITY

CREDIT_LIABILITY_DETAIL

EntityType	Dependent
Logical Entity Name	CREDIT_LIABILITY_DETAIL
Default Table Name	DEAL/SERVICES/SERVICE/CREDIT/CREDIT_REQUEST/CREDIT_LIABILITIES/CREDIT_LIABILITY/CREDIT_LIABILITY_DETAIL
Definition
Note

CREDIT_LIABILITY_DETAIL Attributes

Attribute/Logical Rolename Domain Datatype NULL Definition

CreditBusinessType CreditBusinessEnum VARCHAR(0) YES The credit repository bureaus can identify the type of business of the liability holder or the entity requesting a credit report as listed in a credit inquiry record. This information is needed for an automated scoring application. This data is available for liability and inquiry records from Equifax, Experian and Trans Union.

CreditCounselingIndicator MISMOIndicator BIT NO This indicator is set to Y when the credit liability is being managed by a credit counseling agency.

CreditLiabilityAccountBalanceDate MISMODate DATE NO The date that the reported Credit Liability Unpaid Balance Amount was reached.

CreditLiabilityAccountClosedDate MISMODate DATE NO The date that the credit liability account was closed by the liability holder (by either the borrower or the liability holder).

CreditLiabilityAccountIdentifier MISMOIdentifier VARCHAR(0) NO The account number assigned to the liability account as provided by the credit repository bureau.

CreditLiabilityAccountOpenedDate MISMODate DATE NO The date that the credit liability account was opened by the liability holder.

CreditLiabilityAccountOwnershipType CreditLiabilityAccountOwnershipEnum VARCHAR(0) YES Describes the ownership relation of the borrower(s) to the liability account (i.e. are they solely responsible, jointly responsible, a co-signer on the account, etc.)

CreditLiabilityAccountPaidDate MISMODate DATE NO The date that the credit liability was reported paid to zero by the liability holder.

CreditLiabilityAccountReportedDate MISMODate DATE NO The date that the credit liability data was reported by the liability holder.

CreditLiabilityAccountStatusDate MISMODate DATE NO The Status Date is the date that the accounts Current Rating was changed to that status by the liability holder. If the Current Rating status is Bankruptcy, for example, the Status Date would be when the account first went into bankruptcy.

CreditLiabilityAccountStatusType CreditLiabilityAccountStatusEnum VARCHAR(0) YES This data element is an enumerated status list for an account as of the Account Status Date.

CreditLiabilityAccountType CreditLiabilityAccountEnum VARCHAR(0) YES This describes the type of account established with the Liability Account Holder - credit line, installment, mortgage, open, revolving).

CreditLiabilityBalloonPaymentAmount MISMOAmount DECIMAL(0, 2) NO The amount that will be due on the account in the form a lump sum balloon payment.

CreditLiabilityBalloonPaymentDueDate MISMODate DATE NO According to the contract / invoice, the date that full payment is due on an account.

CreditLiabilityChargeOffAmount MISMOAmount DECIMAL(0, 2) NO The amount charged off by a liability holder, usually for an account in collection.

CreditLiabilityChargeOffDate MISMODate DATE NO The date that the creditor put the account in a "charge off " status and declared the account balance as uncollectable.

CreditLiabilityCollateralDescription MISMOString VARCHAR(0) NO A description of any collateral for the loan (for example, 97 Corvette).

CreditLiabilityConsumerDisputeIndicator MISMOIndicator BIT NO This element indicates whether or not the consumer (borrower) disputes information reported for this account and has filed a FCRA dispute form.

CreditLiabilityCreditLimitAmount MISMOAmount DECIMAL(0, 2) NO The current credit limit for the account as reported by the liability holder.

CreditLiabilityDerogatoryDataIndicator MISMOIndicator BIT NO This element indicates whether or not the liability account contains adverse or derogatory information.

CreditLiabilityHighBalanceAmount MISMOAmount DECIMAL(0, 2) NO The highest balance recorded for the account by the liability holder.

CreditLiabilityLastActivityDate MISMODate DATE NO The date of last account activity (such as last charge or last payment)reported by the liability holder.

CreditLiabilityManualUpdateIndicator MISMOIndicator BIT NO This element indicates whether or not the data in the liability account has been manually updated by the credit bureau based on an investigation.

CreditLiabilityMonthlyPaymentAmount MISMOAmount DECIMAL(0, 2) NO The dollar amount of the monthly payment required on borrowers liability account as reported on a credit report. The amount is either calculated by the credit bureau or provided by the credit liability holder.

CreditLiabilityMonthsRemainingCount MISMOCount INTEGER NO The number of months from the Credit Liability Account Reported Date that are remaining to be paid on an installment loan account.

CreditLiabilityMonthsReviewedCount MISMOCount INTEGER NO The number of months of account history reported by the liability holder. This is the period over which Late Counts are accumulated.

CreditLiabilityOriginalCreditorName MISMOString VARCHAR(0) NO When a liability account has been transferred or is being handled by a collection agency, this element indicates the name of original creditor.

CreditLiabilityPastDueAmount MISMOAmount DECIMAL(0, 2) NO The amount that the borrower is currently past due as reported by the liability holder.

CreditLiabilityTermsDescription MISMOString VARCHAR(0) NO A text description for the loan terms (for example, 360 months at $820 per month).

CreditLiabilityTermsMonthsCount MISMOCount INTEGER NO The total number of months established as terms for repayment of a loan.

CreditLiabilityTermsSourceType CreditLiabilityTermsSourceEnum VARCHAR(0) YES This enumerated element indicates whether the monthly payment terms amount was provided by the repository bureau, or calculated by the credit bureau.

CreditLiabilityUnpaidBalanceAmount MISMOAmount DECIMAL(0, 2) NO The balance owed on a liability account as of the Date Reported by a repository bureau or credit bureau.

CreditLoanType CreditLoanEnum VARCHAR(0) YES This element contains an enumerated list of common loan types. If the loan type is Other, then the description is entered into the Credit Loan Type Other Description element.

CreditLoanTypeOtherDescription MISMOString VARCHAR(0) NO If Credit Loan Type was set to Other, then this element will contain a description of the loan type.

DeferredPaymentAmount MISMOAmount DECIMAL(0, 2) NO For loans allowing deferred payments, this is the amount of the loan that is to be paid, in part or in full, at a later date.

DeferredPaymentDate MISMODate DATE NO For loans allowing deferred payments, this is the date that payments are due to resume.

DetailCreditBusinessType DetailCreditBusinessEnum VARCHAR(0) YES Provides a more detailed description of the Credit Business Type.

DuplicateGroupIdentifier MISMOIdentifier VARCHAR(0) NO Data records with the same Duplicate Group Identifier value have been identified as being duplicate records from different sources. Within a set of records that have the same Duplicate Group Identifier, one record is marked with a Primary Record Indicato

PrimaryRecordIndicator MISMOIndicator BIT NO If this indicator is missing or if this indicator is set to "True", the data element is the primary record to be used for output and evaluation. Most mortgage credit report data is collected from multiple sources (i.e. Equifax, Experian and Trans Union),

CREDIT_LIABILITY_DETAIL Keys

Key Name Key Type Keys

CREDIT_LIABILITY_DETAIL Relationships

Parent Relationships:

Entity Name Type Cardinality Business Name VerbPhrase InversePhrase Foreign Keys Is Supertype

CREDIT_LIABILITY Identifying One to Zero or One NO

Child Relationships:

Entity Name Type Cardinality Business Name VerbPhrase InversePhrase Foreign Keys Is Subtype

CREDIT_LIABILITY_DETAIL Check Constraints

Check Constraint Name CheckConstraint

CREDIT_LIABILITY_DETAIL Bound Attachments

Name Current Value

CREDIT_LIABILITY_DETAIL User-Defined Mappings

Model Name Description

CREDIT_LIABILITY_DETAIL Data Movement Rules

Name Type Rule Text/Value

Attribute/Logical Rolename	Domain	Datatype	NULL	Definition
CreditBusinessType	CreditBusinessEnum	VARCHAR(0)	YES	The credit repository bureaus can identify the type of business of the liability holder or the entity requesting a credit report as listed in a credit inquiry record. This information is needed for an automated scoring application. This data is available for liability and inquiry records from Equifax, Experian and Trans Union.
CreditCounselingIndicator	MISMOIndicator	BIT	NO	This indicator is set to Y when the credit liability is being managed by a credit counseling agency.
CreditLiabilityAccountBalanceDate	MISMODate	DATE	NO	The date that the reported Credit Liability Unpaid Balance Amount was reached.
CreditLiabilityAccountClosedDate	MISMODate	DATE	NO	The date that the credit liability account was closed by the liability holder (by either the borrower or the liability holder).
CreditLiabilityAccountIdentifier	MISMOIdentifier	VARCHAR(0)	NO	The account number assigned to the liability account as provided by the credit repository bureau.
CreditLiabilityAccountOpenedDate	MISMODate	DATE	NO	The date that the credit liability account was opened by the liability holder.
CreditLiabilityAccountOwnershipType	CreditLiabilityAccountOwnershipEnum	VARCHAR(0)	YES	Describes the ownership relation of the borrower(s) to the liability account (i.e. are they solely responsible, jointly responsible, a co-signer on the account, etc.)
CreditLiabilityAccountPaidDate	MISMODate	DATE	NO	The date that the credit liability was reported paid to zero by the liability holder.
CreditLiabilityAccountReportedDate	MISMODate	DATE	NO	The date that the credit liability data was reported by the liability holder.
CreditLiabilityAccountStatusDate	MISMODate	DATE	NO	The Status Date is the date that the accounts Current Rating was changed to that status by the liability holder. If the Current Rating status is Bankruptcy, for example, the Status Date would be when the account first went into bankruptcy.
CreditLiabilityAccountStatusType	CreditLiabilityAccountStatusEnum	VARCHAR(0)	YES	This data element is an enumerated status list for an account as of the Account Status Date.
CreditLiabilityAccountType	CreditLiabilityAccountEnum	VARCHAR(0)	YES	This describes the type of account established with the Liability Account Holder - credit line, installment, mortgage, open, revolving).
CreditLiabilityBalloonPaymentAmount	MISMOAmount	DECIMAL(0, 2)	NO	The amount that will be due on the account in the form a lump sum balloon payment.
CreditLiabilityBalloonPaymentDueDate	MISMODate	DATE	NO	According to the contract / invoice, the date that full payment is due on an account.
CreditLiabilityChargeOffAmount	MISMOAmount	DECIMAL(0, 2)	NO	The amount charged off by a liability holder, usually for an account in collection.
CreditLiabilityChargeOffDate	MISMODate	DATE	NO	The date that the creditor put the account in a "charge off " status and declared the account balance as uncollectable.
CreditLiabilityCollateralDescription	MISMOString	VARCHAR(0)	NO	A description of any collateral for the loan (for example, 97 Corvette).
CreditLiabilityConsumerDisputeIndicator	MISMOIndicator	BIT	NO	This element indicates whether or not the consumer (borrower) disputes information reported for this account and has filed a FCRA dispute form.
CreditLiabilityCreditLimitAmount	MISMOAmount	DECIMAL(0, 2)	NO	The current credit limit for the account as reported by the liability holder.
CreditLiabilityDerogatoryDataIndicator	MISMOIndicator	BIT	NO	This element indicates whether or not the liability account contains adverse or derogatory information.
CreditLiabilityHighBalanceAmount	MISMOAmount	DECIMAL(0, 2)	NO	The highest balance recorded for the account by the liability holder.
CreditLiabilityLastActivityDate	MISMODate	DATE	NO	The date of last account activity (such as last charge or last payment)reported by the liability holder.
CreditLiabilityManualUpdateIndicator	MISMOIndicator	BIT	NO	This element indicates whether or not the data in the liability account has been manually updated by the credit bureau based on an investigation.
CreditLiabilityMonthlyPaymentAmount	MISMOAmount	DECIMAL(0, 2)	NO	The dollar amount of the monthly payment required on borrowers liability account as reported on a credit report. The amount is either calculated by the credit bureau or provided by the credit liability holder.
CreditLiabilityMonthsRemainingCount	MISMOCount	INTEGER	NO	The number of months from the Credit Liability Account Reported Date that are remaining to be paid on an installment loan account.
CreditLiabilityMonthsReviewedCount	MISMOCount	INTEGER	NO	The number of months of account history reported by the liability holder. This is the period over which Late Counts are accumulated.
CreditLiabilityOriginalCreditorName	MISMOString	VARCHAR(0)	NO	When a liability account has been transferred or is being handled by a collection agency, this element indicates the name of original creditor.
CreditLiabilityPastDueAmount	MISMOAmount	DECIMAL(0, 2)	NO	The amount that the borrower is currently past due as reported by the liability holder.
CreditLiabilityTermsDescription	MISMOString	VARCHAR(0)	NO	A text description for the loan terms (for example, 360 months at $820 per month).
CreditLiabilityTermsMonthsCount	MISMOCount	INTEGER	NO	The total number of months established as terms for repayment of a loan.
CreditLiabilityTermsSourceType	CreditLiabilityTermsSourceEnum	VARCHAR(0)	YES	This enumerated element indicates whether the monthly payment terms amount was provided by the repository bureau, or calculated by the credit bureau.
CreditLiabilityUnpaidBalanceAmount	MISMOAmount	DECIMAL(0, 2)	NO	The balance owed on a liability account as of the Date Reported by a repository bureau or credit bureau.
CreditLoanType	CreditLoanEnum	VARCHAR(0)	YES	This element contains an enumerated list of common loan types. If the loan type is Other, then the description is entered into the Credit Loan Type Other Description element.
CreditLoanTypeOtherDescription	MISMOString	VARCHAR(0)	NO	If Credit Loan Type was set to Other, then this element will contain a description of the loan type.
DeferredPaymentAmount	MISMOAmount	DECIMAL(0, 2)	NO	For loans allowing deferred payments, this is the amount of the loan that is to be paid, in part or in full, at a later date.
DeferredPaymentDate	MISMODate	DATE	NO	For loans allowing deferred payments, this is the date that payments are due to resume.
DetailCreditBusinessType	DetailCreditBusinessEnum	VARCHAR(0)	YES	Provides a more detailed description of the Credit Business Type.
DuplicateGroupIdentifier	MISMOIdentifier	VARCHAR(0)	NO	Data records with the same Duplicate Group Identifier value have been identified as being duplicate records from different sources. Within a set of records that have the same Duplicate Group Identifier, one record is marked with a Primary Record Indicato
PrimaryRecordIndicator	MISMOIndicator	BIT	NO	If this indicator is missing or if this indicator is set to "True", the data element is the primary record to be used for output and evaluation. Most mortgage credit report data is collected from multiple sources (i.e. Equifax, Experian and Trans Union),

Entity Name	Type	Cardinality	Business Name	VerbPhrase	InversePhrase	Foreign Keys	Is Supertype
CREDIT_LIABILITY	Identifying	One to Zero or One					NO