Equal Credit Opportunity Act (ECOA) codes

Use ECOA codes to designate the relationship between the person primarily responsible for the debt and any secondary parties who may be responsible. In The Collector System you can create this relationship by using ECOA codes in Fiscal fields that you create. For more information, see Menu 10.1.9 - Financial Screens.

The following table lists valid ECOA codes that report to the credit reporting agency:

Code	Description
0	Undesignated
1	Individual
2	Joint contractual liability
4	Joint cannot be better defined
6	On-behalf-of
7	Maker
T	Association with account terminated
W	Business commercial
X	Consumer deceased
Z	Delete borrower