# Accounts CSV columns

One row per account per month. Dates are YYYY-MM-DD, money is in dollars (cents are dropped), yes / no columns take Y or N.
Up to three consumers per account: c1_ is the primary borrower, c2_ and c3_ are co-borrowers, co-signers or guarantors.
Blank cells are fine: a column that does not apply to an account stays empty.

| Column | Meaning |
|---|---|
| `id` | Optional label for the row (e.g. your loan ID) |
| `account_number` | Account number as reported: letters and digits only, never the SIN |
| `new_account_number` | Only in the month the number changes: the new number (sends an L1 segment) |
| `portfolio_type` | I installment, M mortgage, C line of credit, R revolving, O open |
| `account_type` | Equifax Canada account type, e.g. 00 auto, 01 unsecured, 3A auto lease, 26 mortgage |
| `date_opened` | Date the account was opened |
| `credit_limit` | Lines of credit and revolving accounts only |
| `original_amount` | Original loan amount (highest balance for lines) |
| `terms_payments` | Number of scheduled payments (installment / mortgage) |
| `terms_frequency` | M monthly, B every 2 weeks, E twice a month, W weekly, D deferred, P single payment |
| `scheduled_payment` | Payment due each period |
| `payments_this_period` | Total received this month |
| `current_balance` | Balance at month end (0 when paid) |
| `amount_past_due` | Amount 30+ days past due |
| `oldest_unpaid_due_date` | Due date of the oldest unpaid payment; blank when nothing is overdue |
| `date_last_payment` | Date of the most recent payment |
| `date_paid` | Date paid in full (payoff month only) |
| `date_closed` | Date closed (lines of credit) |
| `closed_by` | GRANTOR, CONSUMER or INACTIVITY |
| `worst_days_late_this_period` | Payoff month: worst days late during the month (sets the rating) |
| `rating_first_delinquency_date` | Payoff month rated 1-6: first 30-day delinquency behind that rating |
| `charged_off` | Y if written off |
| `charge_off_amount` | Amount written off (never changes) |
| `in_collections` | Y if placed with collections |
| `repossession` | VOLUNTARY (surrender) or INVOLUNTARY |
| `settled_for_less` | Y if paid for less than the full balance |
| `final_disposition` | SOLD or TRANSFERRED: sends the final record |
| `final_date` | Sale / transfer date |
| `sold_to` | Buyer name (sends a K2 segment) |
| `transferred_internally` | Y if transferred within the company |
| `dispute_open` | Y while a consumer dispute is being investigated |
| `dispute_type` | CONSUMER or BILLING |
| `arrangement_type` | DEFERRAL or FORBEARANCE |
| `arrangement_payment` | Payment due during the arrangement (0 = nothing due) |
| `first_payment_due_date` | Deferral: first payment due date (sends a K4 segment) |
| `ever_in_repayment` | N if the loan has never been in repayment |
| `last_update` | When the account data was last updated: YYYY-MM-DDTHH:MM:SS |
| `last_status` | Status sent last month; blank = first time reported |
| `last_payment_history` | The 24-character payment history sent last month |
| `last_nothing_due` | Y if nothing was due last month (deferral) |
| `first_delinquency_date` | Stored date of first delinquency of the current delinquency |
| `c1_role` (also `c2_`, `c3_`) | PRIMARY (c1), JOINT, COSIGNER or GUARANTOR |
| `c1_relation` (also `c2_`, `c3_`) | individual, joint, cosigned (primary with a co-signer), cosigner, guaranteed, guarantor, assumed |
| `c1_surname` (also `c2_`, `c3_`) | Accents are fine: the file carries them as plain letters |
| `c1_first_name` (also `c2_`, `c3_`) |  |
| `c1_middle_name` (also `c2_`, `c3_`) |  |
| `c1_generation` (also `c2_`, `c3_`) | J, S or 2-9 |
| `c1_sin` (also `c2_`, `c3_`) | Optional: leave blank when not collected |
| `c1_date_of_birth` (also `c2_`, `c3_`) | Required when there is no SIN |
| `c1_phone` (also `c2_`, `c3_`) | 10 digits |
| `c1_address1` (also `c2_`, `c3_`) | Street address or PO Box |
| `c1_address2` (also `c2_`, `c3_`) | Unit, station, etc. |
| `c1_city` (also `c2_`, `c3_`) |  |
| `c1_province` (also `c2_`, `c3_`) | AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT |
| `c1_postal_code` (also `c2_`, `c3_`) | A1A 1A1 |
| `c1_identity_change` (also `c2_`, `c3_`) | This month only: NAME, ADDRESS, SIN, or e.g. NAME+ADDRESS |
| `c1_insolvency_type` (also `c2_`, `c3_`) | BANKRUPTCY, PROPOSAL, OPD, COUNSELLING or RECEIVERSHIP |
| `c1_insolvency_stage` (also `c2_`, `c3_`) | FILED, COMPLETED (discharged), DISMISSED (annulled) or WITHDRAWN |
| `c1_insolvency_date` (also `c2_`, `c3_`) | Filing / decision date |
| `c1_insolvency_includes_account` (also `c2_`, `c3_`) | Y if this account is in the insolvency (default Y) |