Equifax Trade Check Rating Codes

Installment Revolving or Option Account Open Account
(30, 60, or 90-day account.)
Meaning
I0 R0 O0 Too new to rate
I1 R1 O1 Pays account as agreed
I2 R2 O2 Not more than two payments past due
I3 R3 O3 Not more than three payments past due
I4 R4 O4 Not more than four payments past due
I5 R5 O5 More than 120 days or four payments past due
I7 R7 O7 Making regular payments under WEP.
I8 R8 O8 Repossession
I9 R9 O9 Bad debt; placed for collection
IA RA OA Account is inactive
IB RB OB Lost or stolen card
IC RC OC Contact member for status
ID RD OD Refinanced or renewed
IE RE OE Consumer deceased
IF RF OF In financial counseling
IG RG OG Foreclosure process started
IH RH OH In WEP of other party
IJ RJ OJ Adjustment pending
IM RM OM Included in Chapter 13