ACCOUNT OLDER THAN 6.75 YEARS — The account is older than 6.75 years. This occurs if there are 2,464 days or more between the Date of Referral and the Date of Delinquency, or if there are 2,464 days or more between the current date and the Date of Delinquency.

BAD PIF/SIF STATUS — The status code on the account is PIF or SIF, the account has been reported before, and is now trying to report as (93) - PAST DUE rather than (62) - PAID IN FULL.

CLIENT DOESN’T REPORT — The Client is set not to report and this account has not reported before. (System Administration -> Maintain Clients -> Add/Edit/Delete Clients)

DOR REFERENCE DATE — The Date of Delinquency is after or equal to the Date of Referral.

INVALID CO-MAKER ADDRESS — The Address 1 field on the co-maker is invalid or empty.

INVALID CO-MAKER STATE ZIP — The State/Zipcode field on the co-maker has invalid or missing data. 

INVALID DEBTOR ADDRESS — The Address 1 field on the debtor is invalid or empty.

INVALID DEBTOR STATE ZIP — The State/Zipcode field on the debtor has invalid or missing data.

INVALID SPOUSE ADDRESS — The Address 1 field on the debtor is invalid. (the spouse is assumed to live at the same address as the debtor). 

INVALID SPOUSE STATE ZIP — The State/Zipcode field on the debtor has invalid or missing data. (the spouse is assumed to live at the same address as the debtor).

MINIMUM BALANCE — The account has not reported before and does not meet the minimum balance requirement. This requirement will be set on the individual client which takes precedence:
 (System Administration -> Maintain Clients -> Add/Edit/Delete Clients -> [Select the client] -> Client CB Setup).

MISSING DEBTOR/CO-MAKER/SPOUSE SSN AND DOB — The debtor/co-maker/spouse being reported is missing both the Social Security Number and Date of Birth. At least one of these are required to report bureau.