ECOA Conversion Information
Please note that the information below does not include customization of ECOA codes

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An ECOA code identifies a trade as belonging to an Individual, Joint, Co-Signer, etc. Each bureau has different ways of reporting an Individual ECOA; however, Trans Union and Equifax both report ECOAs in a similar, alphabetical fashion. Therefore, no matter if the Convert ECOA service is turned on or off, ECOAs from TU and EFX will always be the same if you have not customized your ECOAs.

The difference lies in Experian and Trans Chicago/Fannie Mae (TC/EFX, TC/TU, TC/XPN) ECOAs. This is because these bureaus report ECOAs in numeric values. When the Convert ECOA service is turned on for a product, these numeric ECOAs will convert from numeric to alphabetical values.

Users can now customize their ECOAs that they receive from each bureau! Click here for more information.

In summary:
  • EFX--aphabetical ECOA. EFX ECOA values will not change when Convert ECOA service is enabled.
  • TU--alphabetical ECOA. TU ECOA values will not change when Convert ECOA service is enabled.
  • XPN--numeric ECOA. XPN ECOA values will change from numeric to alphabetical when Convert ECOA service is enabled.
  • TC/EFX--numeric ECOA. TC/EFX values will change from numeric to alphabetical when Convert ECOA service is enabled.
  • TC/TU--numeric ECOA. TC/TU values will change from numeric to alphabetical when Convert ECOA service is enabled.
  • TC/XPN--numeric ECOA. TC/XPN values will change from numeric to alphabetical when Convert ECOA service is enabled.

Here are the ECOA codes and corresponding definitions for Equifax trade lines (these are also called Trade Check Codes by EFX):

A Authorized User
B On behalf of another
C Co-maker
I Individual
J Joint
M Maker
S Shared
T Terminated
U Undesignated



Here are the ECOA codes and corresponding definitions for Trans Union trade lines:

U Undesignated account
I Individual account
C Joint account
A Authorized account
P Participant on account
S Co-signer on account
M Primary borrower on account
T Account relationship terminated
X Consumer deceased



Here are the ECOA codes and corresponding definitions for Experian trade lines when the Convert ECOA service is NOT turned on:

0 Undesignated
1 Individual
2 Joint account
3 Authorized user
4 Joint account
5 Cosigner
6 On behalf of
7 Signer



Here are the ECOA codes and corresponding definitions for Experian trade lines when the Convert ECOA service IS turned on:

XPN ECOA Converted ECOA Definition
0 U Undesignated
1 A Individual
2 J Joint Account
3 Z Authorized user
4 J Joint Account
5 C Co-signer
6 J On behalf of
7 J Signer
W No conversion¹ Business/Commercial
X T Deceased

¹This ECOA code is not converted, and will remain "W" even if the Convert ECOA service is enabled


Here are the ECOA codes and corresponding definitions for TC/FNMA (EFX, TU, and XPN) trade lines when the Convert ECOA service IS turned on:

TC/FNMA (EFX, TU, XPN) ECOA Converted ECOA Definition
0 U Undesignated
1 I Individual
2 J Joint
3 A Authorized user
4 S Joint/Separate
5 C Co-signer/Co-maker
6 B On behalf of
7 M Signer/Maker

If the Convert ECOA is not turned on, the numeric value (original ECOA as received from TC/EFX, TC/TU, TC/XPN)
will display on the printout.

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