The CREDIT_RESPONSE.CREDIT_LIABILITY array contains a set of objects that represent the loans, obligations, and other financial liabilities that appear on a customer's credit report. The _CURRENT_RATING subobject contains a pair of properties that denote an account's current standing:

@_Type denotes the account's standing as a CamelCase string constant.
@_Code provides the same information as a single-character code.

As an example, here we see an account that's 30 days late.

"CREDIT_LIABILITY": [
  {
    "@BorrowerID": "Borrower01",
    "@CreditBusinessType": "Banking",
    ...
    "_CURRENT_RATING": {
      "@_Type": "Late30Days", // The account's descriptive constant.
      "@_Code": "2" // The account's single-character code.
    },
    ...

The @_Code values listed here are also used (as values of the @_Value property) in the CREDIT_SUMMARY section of the report. See Credit Summary Attributes: Account Ratings for a list of a report's account rating attributes.

String Constants (@_Type)

The descriptive constants that you'll see in the @_Type property are listed and described below. The descriptions are verbatim from MISMO.

`@_Type`	Description
`AsAgreed`	Account is being paid on time and according to terms of the credit agreement.
`BankruptcyOrWageEarnerPlan`	The exact type could not be determined.
`ChargeOff`	The account was not paid on a timely basis and the debt is being written off as uncollectible by the creditor.
`Collection`	Account has not been paid on a timely basis and is been turned over to an attorney or agency for collection.
`CollectionOrChargeOff`	The exact type could not be determined.
`Foreclosure`	Legal proceedings have been initiated to sell property to settle debt on an unpaid balance.
`ForeclosureOrRepossession`	The exact type could not be determined.
`Late30Days`	Account is between 30 and 59 days past due.
`Late60Days`	Account is between 60 and 89 days past due.
`Late90Days`	Account is betwen 90 and 119 days past due.
`LateOver120Days`	Account is 120 days or more past due.
`NoDataAvailable`	Status of the account is not known.
`Repossession`	Account has not been paid on a timely basis and proceedings have been initiated to repossess collateral property to partially of fully satisfy the debt.
`TooNew`	Account has been recently established and is too new to rate payment history.
`WageEarnerPlan`	Past due debt on an account is being paid according to terms established by a court or agreement with the creditor.

Single-character Codes (@_Code)

The value of the @_Code property depends on the rating system that the report is using, as declared in the report's [email protected] property. There are two rating systems, one defined by Equifax and another by Experian (TransUnion uses the Equifax system):

{
  "CREDIT_RESPONSE": {
    "@MISMOVersionID": "2.4",
    "@CreditRatingCodeType": "Equifax", // Rating system is Equifax
    ...

{
  "CREDIT_RESPONSE": {
    "@MISMOVersionID": "2.4",
    "@CreditRatingCodeType": "Experian", // Rating system is Experian
    ...

With a single exception (the letter "C" in the Experian system) the rating codes are numeric. The lower the number, the healthier the account.

Equifax and TransUnion Codes

The descriptions are verbatim from Equifax.

`@_Code`	Description
`0`	Too new to rate; approved but not used.
`1`	Pays (or paid) within 30 days of payment due date or not more than one payment past due.
`2`	Pays (or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than two payments past due.
`3`	Pays (or paid) in more than 60 days from payment due date, but not more than 90 days, or not more than three payments past due.
`4`	Pays (or paid) in more than 90 days from payment due date, but not more than 120 days, or four payments past due.
`5`	Account is at least 120 days overdue but is not yet in collections.
`6`	There is no `6` in the Equifax rating system
`7`	Making regular payments under a consolidation order or similar arrangement.
`8`	Repossession (voluntary or involuntary return of merchandise).
`9`	Bad debt; placed for collection.

Experian Ratings

The descriptions are verbatim from Experian.

`@_Code`	Description
`C`	Current
`1`	30 days late
`2`	60 days late
`3`	90 days late
`4`	120 days late
`5`	150 days late
`6`	180 days late
`7`	Bankruptcy
`8`	Repossession
`9`	Collection/chargoff