Credit Report Extract File Format

The following describes the format of the Credit Report Extract file that is produced by CLM for Metro I. This format will be different if using Metro II. This Credit Report Extract file is comprised of a Header Record, one or more Detail Records, and a Trailer Record.

Field Name

Columns

Length

Description/Format

Header Record

 

 

 

Record Descriptor

001-004

4

Value is "0272"

Record Identifier

005-010

6

Value is "HEADER".

Credit Bureau Institution ID

011-015

5

Value comes from the System Configuration Parameters table.

Filler

016-023

8

Blank.

"As Of" Date

024-029

6

Today's date; format is MMDDYY

Filler

030-031

2

Value is "00".

Filler

032-035

4

Value "0000".

Version

036-039

4

Value "8105".

Filler

040-043

4

Value is "0000".

Credit Bureau Federal ID

044-053

10

Value comes from the System Configuration Parameters table.

Filler

054-059

6

Blank.

Today's Date

060-065

6

Today's date; format is MMDDYY

Filler

066-114

49

Blank

Credit Bureau Reporting Organization

115-147

33

Value comes from the System Configuration Parameters table.

Credit Bureau Organization Address

148-243

96

Value comes from the System Configuration Parameters table.

Filler

244-272

29

Blank.

Detail Record

 

 

 

Record Descriptor

001-004

4

Value is "0272".

School Abbreviation

005-011

7

Value is the Credit Bureau Federal ID

Account Number

012-028

17

Value comprised of: borrower SSN + loan Campus Code + loan Open Date.

Account Type

029-030

2

Value is "12".

Account Status

031-032

2

Calculated value based on current loan information.

Update Indicator

033-033

1

Value is "0".

(reserved)

034-042

9

Value is "000000000".

Terms Frequency

043-043

1

Set to the loan Payment Frequency. If this value is a "2", it is changed to "L". If this value is "A", it is changed to "Y".

Term in Months

044-046

3

The number of months between the loan's Repayment Begins Date and the Scheduled End Date.

Transaction Type

047-047

1

The value is "1" if this is the first report for this loan; otherwise the value is "4".

Date Opened

048-053

6

This is the loan's Open Date, formatted as "MMDDYY".

Date of Occurrence

054-059

6

This is valued as follows:

Today's Date if status = "11";

Loan Closed Date if status = "03", "04", "05", "10", "13".

All other statuses, a variety of dates.

Format is 'MMDDYY'.

Date Last Paid

060-065

6

Loan's Last Paid date; format is 'MMDDYY'.

Highest Credit Amount

066-072

7

Loan's Principal Amount.

Current Balance

073-079

7

Sum of loan's principal, interest, late charge and collection cost balance.

Amount Past Due

080-086

7

Sum of loan's principal, interest, late charge and collection cost due amounts.

Payment Amount

087-093

7

Loan's regular payment amount.

SSN

094-102

9

Borrower's SSN.

Special Comment Code

103-104

2

Calculated value based on loan status or TRA.

(reserved)

105-105

1

Reserved.

Zip Code

106-111

6

First 6 characters of 10-digit Zip.

Association Code

112-112

1

Value is "1".

Cycle Identifier

113-114

2

Value is blank.

Borrower Name

115-146

32

Borrower's name formatted as "Last " + "First " + "MI".

Generation Code

147-147

1

Value based on borrower's Name Suffix (if any).

Address Line 1

148-179

32

Borrower's Address Line 1.

Address Line 2

180-211

32

Borrower's Address Line 2, or the "City" + "State" value if the borrower has no Address Line 2.

Address Line 3

212-241

30

Comprised of "City" + "State"; blank if this value appears in Address Line 2.

Country Code

242-243

2

Country of residence.

Residence Code

244-244

1

Value is blank.

Credit Limit

245-251

7

Value is "0000000".

Type of Account

252-252

1

Value is "I" for non-tuition accounts or "R" for tuition accounts.

(reserved)

253-253

1

Reserved.

Date Closed

254-259

6

Value is "000000".

Zip Code - Last 4

260-263

4

Last 4 characters of 10-digit Zip.

Interest Type

264-264

1

Value is "F".

Address Indicator

265-265

1

Value is blank.

(reserved)

266-272

7

Value is blank.

Trailer Record

 

 

 

Record Descriptor

001-004

4

Value is "0272".

Record Identifier

005-011

7

Value is "TRAILER".

Current Balance Sum

012-022

11

Sum of the Current Balance fields from the Detail records.

Past Due Sum

023-033

11

Sum of the Amount Past Due values from the Detail records.

Detail Record Count

034-042

9

Number of Detail Records.

Filler

043-051

9

Value is "000000000".

Today's Date

052-057

6

Format is "MMDDYY".

Filler

058-272

215

Value is blank.