CSS Impact reports to the credit bureaus using the Metro 2 Export Format
1. Verify that you have filled out your subscriber codes on your company/companies set up. Each company that you report must have a subscriber code filled in on the Credit Bureau ID Tab.
The figure below illustrates navigation to the Company table:
2. Review Credit Reporting set-up on all client codes – found on the Coding tab, verify all clients are set up as you require.
NOTE: Loan Servicing clients must be set up as CBR TYPE = Retail, In-house First Party and must have payment arrangement type 2 entries to report as loan servicing accounts. Loan type is based upon creditor class.
The figure below illustrates navigation to the Client table:
- CBR Type must be set to Retail
- The Referral Amount of each account Must Meet or Exceed the Minimum Amount
- The Referral Date of each account must not be greater than Report Thru Date minus the Delay Days (EXAMPLE: Report Thru Date = 1/30/2013, Delay Days = 10, so 1/30/2013 – 10 = 1/20/2013. Account referred 1/25/2013 would not qualify because of the delay days, (Referral Date 1/25/2013 is > 1/20/2013 so account does not qualify. The Credit Report Type on the Debtor (dbt_cbr_type) must be equal to one of the following:
Y-Report Debtor to CBR
D-Dispute, CCC Required
L-Purchased by Another Lender
- Missed Pmt Delay Days If the account has never been reported and the Missed Pmt Delay is filled in: The system takes the Last Payment Date if filled in otherwise it takes the Referral Date and takes the difference of the Report Thru Date. If the calculated days are >= greater than or equal to the Missed Pmt Delay Days, the account gets put into the bureau report from then on.
3. Review set up of SYSTEM PARAMETERS – STS Classes TAB – RPT CBR column for appropriate entries for the corresponding class.
The figure below illustrates navigation to the System Parameters: