Loan and Business Types

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 @CreditLoanType and @CreditBusinessType properties within each object describe the type of liability, and the business type of the liability's creditor, respectively.

For example, here we see a charge account at a home furnishings store:

"CREDIT_LIABILITY": [
  {
    "@BorrowerID": "Borrower01",
    "@CreditLoanType": "ChargeAccount",
    "@CreditBusinessType": "HomeFurnishing",

    ....

The following sections list the values that the @CreditLoanType and @CreditBusinessType properties can take.

Credit Loan Types

AgricultureFamilySupportNoteLoan
AirplaneFarmersHomeAdministrationFHMANoteLoanWithComaker
ApplianceOrFurnitureFederalConsolidatedLoanOther
AttorneyFeesFHAComakerNotBorrowerPartiallySecured
AutoLeaseFHAHomeImprovementPersonalLoan
AutoLoanFHARealEstateMortgageRealEstate
AutoLoanEquityTransferFinanceStatementRealEstateJuniorLiens
AutomobileFlexibleSpendingCreditCardRealEstateLoanEquityTransfer
AutoRefinanceGovernmentRealEstateMortgageWithoutOtherCollateral
BiMonthlyMortgageTermInYearsGovernmentBenefitRealEstateSpecificTypeUnknown
BoatGovernmentEmployeeAdvanceRecreational
BusinessGovernmentFeeForServiceRecreationalMerchandise
BusinessCreditCardGovernmentFineRecreationalVehicle
CamperGovernmentGrantRefinance
ChargeAccountGovernmentMiscellaneousDebtRefundAnticipationLoan
CheckCreditOrLineOfCreditGovernmentOverpaymentRentalAgreement
ChildSupportGovernmentSecuredDirectLoanResidentialLoan
CollectionGovernmentSecuredGuaranteeLoanReturnedCheck
CollectionAttorneyGovernmentUnsecuredDirectLoanRevolvingBusinessLines
ComakerGovernmentUnsecuredGuaranteeLoanSecondMortgage
CombinedCreditPlanHomeEquitySecured
CommercialCreditObligationHomeEquityLineOfCreditSecuredByCosigner
CommercialLineOfCreditHomeImprovementSecuredCreditCard
CommercialMortgageHouseholdGoodsSecuredHomeImprovement
ConditionalSalesContractHouseholdGoodsAndOtherCollateralAutoSemiMonthlyMortgagePayment
ConditionalSalesContractRefinanceHouseholdGoodsSecuredSinglePaymentLoan
ConsolidationInstallmentLoanSpouseSupport
ConstructionLoanInstallmentSalesContractSummaryOfAccountsWithSameStatus
ConventionalRealEstateMortgageInsuranceClaimsTelecommunication/Cellular
CreditCardLeaseTimeSharedLoan
CreditLineSecuredLenderPlacedInsuranceTitle1Loan
DebitCardLineOfCreditUnknownLoanType
DebtCounselingServiceManualMortgageUnsecured
DeferredStudentLoanManufacturedHomeUtilityCompany
DepositRelatedMedicalDebtV.A.RealEstateMortgage
EducationalMobileHomeVeteransAdministrationLoan
EmploymentMobilePhoneVeteransAdministrationRealEstateMortgage
FactoringCompanyAccountMortgage

Credit Business Types

AdvertisingFinanceOilAndNationalCreditCards
AutomotiveGovernmentPersonalServicesNotMedical
BankingGroceryRealEstateAndPublicAccommodation
ClothingHomeFurnishingSportingGoods
CollectionServicesInsuranceUtilitiesAndFuel
ContractorsJewelryAndCameraWholesale
DepartmentAndMailOrderLumberAndHardware
EmploymentMedicalAndHealth
FarmAndGardenSuppliesMiscellaneousAndPublicRecord