ECOA Codes

ECOA CodesDescription
AAuthorized User - This individual is an authorized user of this account; another individual has contractual responsibility
CJoint Account Contractual Responsibility - This individual is contractually obligated to repay all debts arising on this account. There are other people associated with this account who may or may not have contractual responsibility.
IIndividual - This individual has contractual responsibility for this account and is primarily responsible for its payment
MMaker (signer) - This individual is responsible for this account, which is guaranteed by a Co-maker (cosigner)
P Shared Account - This individual participates in this account. The association cannot be distinguished between ECOA I or J
ScoSigner - This individual has guaranteed this account and assumes responsibility should signer default
TTerminated - Account is terminated
UUndesignated - This is reported by the Bureau only
XDeceased - the subject is on record as being dead.