Field 15RequiredAccount Information

    Metro 2 Field 15: Account Type

    Two-character code indicating the type of account being reported. Determines validation rules and credit report display.

    Quick Reference

    Field Number:15
    Position:84-85
    Length:2 characters
    Type:code
    Record:Base Segment
    Required:Yes

    Allowed Values

    ValueMeaning
    00Auto
    01Unsecured
    02Secured
    03Partially secured
    04Home improvement
    05Family support
    06Student loan
    07Real estate-specific
    08Recreational merchandise
    10Revolving charge
    11Check credit/line of credit
    12Credit card
    13Flexible spending credit card
    17Charge account
    18Installment sales contract
    19Mobile home
    20Mortgage
    25Home equity line of credit
    26Conventional mortgage
    27FHA mortgage
    29VA mortgage
    43Collection
    47Collections/Utilities
    48Collection attorney
    65Commercial account
    89Rental agreement

    Validation Rules

    • Must be valid account type code
    • Must align with Portfolio Type
    • Collection accounts use specific codes

    Examples

    00122643

    Common Errors

    • Using wrong account type for portfolio
    • Collection agency using non-collection type

    Tips & Best Practices

    • Auto loans typically use 00
    • Credit cards use 12
    • Mortgages use 26, 27, or 29 depending on type

    Related Fields

    14
    Portfolio Type
    Single character indicating whether the account is installme...
    27
    Terms Duration
    For installment loans: the number of payments. For revolving...
    31
    Special Comment
    Two-character code providing additional context about the ac...

    Other Account Information

    17AAccount Status27Terms Duration28Terms Frequency14Portfolio Type10ECOA Code34Consumer Transaction Type

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