---
title: "Credit Reporting - ACE to METRO2 Mapping Logic"
slug: "credit-reporting-ace-to-metro2-mapping-logic"
updated: 2024-01-29T19:09:41Z
published: 2024-01-29T19:09:41Z
canonical: "docs.interprose.com/credit-reporting-ace-to-metro2-mapping-logic"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.interprose.com/llms.txt
> Use this file to discover all available pages before exploring further.

# ACE to METRO2 mapping logic

ACE only supports Debt Buyers (48), Collection Agencies (77) and Student Loan (12)

ACE does not support sending loan repayment terms on Student Loans

|  |  |
| --- | --- |
| **ACE Fields or Static Values** | **Metro2 Fields** |
| "0460" | // 1 Record Descriptor |
| "1" | // 2 Processing Indicator |
| Todays Date (MMddyyyyHHmmss) | // 3 Time Stamp |
| “0” | // 4 Correction Indicator |
| ACE Customer ID | // 5 Identification Number |
| “ “ (blank) | // 6 Cycle Identifier |
| ACE Debt ID | // 7 Consumer Account Number |
| “O” | // 8 Portfolio Type |
| **Account type logic** |  |
| If Client Collection Type = “PURCHASED” Then Account Type = “0C” | // 9 Account Type |
| **Else** if Client Collection Type = “RETURNED_CHECKS” Then Account Type = “77” | // 9 Account Type |
| **Else** Account Type = “48” | // 9 Account Type |
| ACE Assigned Date | // 10 Date Of Opened |
| “ “ (blank) | // 11 Credit Limit |
| ACE Owing Balance | // 12 Highest Credit |
| “001” | // 13 Terms of Duration |
| “ “ (blank) | // 14 Terms Freq |
| “ “ (blank) | // 15 Monthly Payment Amount |
| ACE Last Payment Amount | // 16 Actual Payment Amount |
| **Account Status Logic** |  |
| If Credit Bureau Delete = true Credit Bureau Status Code = “DA” | // 17a Account Status |
| **Else** ACE Credit Bureau Status Code | // 17a Account Status |
| “ “ (blank) | // 17b Payment Rating |
| “ “ (blank) | // 18 Payment History Profile |
| ACE Credit Bureau Special Status Code | // 19 Special Comment Code |
| **Compliance Condition Code Logic** |  |
| If ACE Dispute = True Then Code = ACE Dispute Type Resolution Code = ACE Dispute Resolution Code Credit Bureau Code = ACE Credit Bureau Dispute Code **If Resolution Code != New Then** Credit Bureau Code = ACE Credit Bureau Dispute Code | //20 Compliance Condition Code |
| **Else** “ “ (blank) | //20 Compliance Condition Code |
| **Current Balance Logic** |  |
| If ACE SIF Balance = True Then ACE Settled Balance | // 21 Current Balance |
| ACE Settled Balance | // 22 Amount Past Due |
| **Else** ACE Current Balance | // 21 Current Balance |
| ACE Current Balance | // 22 Amount Past Due |
| “ “ (blank) | // 23 Original Charge Off |
| Todays Date | // 24 Date of Account Information |
| ACE Delinquency Date | // 25 Date of Delinquency |
| “ “ (blank) | // 26 Date Closed |
| ACE Last Pay Date | // 27 Date of Last Payment |
| “ “ (blank) | // 28 Interest Indicator |
| “ “ (blank) | // 28 A Reserved |
| “ “ (blank) | // 29 Consumer Transaction Type |
| ACE Primary Demographic Last Name | // 30 Surname |
| ACE Primary Demographic First Name | // 31 First |
| ACE Primary Demographic Middle Name | // 32 Middle |
| “ “ (blank) | // 33 Generation Code |
| ACE Primary Demographic SSN | // 34 SSN |
| ACE Primary Demographic DOB | // 35 DOB |
| ACE Primary Demographic Home Phone | // 36 Phone Number |
| **ECOA Code Logic** |  |
| Deceased = Deceased Debt ID If Deceased = true “1” | // 37 ECOA Code |
| **Else** “X” | // 37 ECOA Code |
| *ECOA Code* ![ECOA Code screenshot](https://cdn.document360.io/6c7303ca-5ffc-4149-8868-8ea498eee635/Images/Documentation/ECOA%20Code%20screenshot.png?sv=2026-02-06&spr=https&st=2026-10-31T16%3A41%3A41Z&se=2026-10-31T17%3A41%3A41Z&sr=c&sp=r&sig=%2BpuWhpiaWeSDwGwiJafbQvF98Y9hU5yw5%2FbpV3g5anU%3D) |  |
| **Consumer Information Indicator Logic** *The Consumer Information Indicator is blank " " by default unless one of the conditions below is met.* |  |
| If Bankruptcy = true If Bankruptcy Status = “FILED” OR “CONVERSION” OR “REINSTATED” Then Case Bankruptcy Chapter Type = "7" :ConsumerIndicator = "A" Case Bankruptcy Chapter Type = "11" :ConsumerIndicator="B" Case Bankruptcy Chapter Type ="12" :ConsumerIndicator= "C" Case Bankruptcy Chapter Type = "13" ConsumerIndicator = "D" | // 38 Consumer Information Indicator |
| **Else** **If Bankruptcy Status = “DISCHARGED” Then** Case Bankruptcy Chapter Type = "7" :ConsumerIndicator = "E" Case Bankruptcy Chapter Type = "11" :ConsumerIndicator="F" Case Bankruptcy Chapter Type ="12" :ConsumerIndicator= "G" Case Bankruptcy Chapter Type = "13" ConsumerIndicator = "H" | // 38 Consumer Information Indicator |
| **Else** **If Bankruptcy Status = “DISMISSED” Then** Case Bankruptcy Chapter Type = "7" :ConsumerIndicator = "I" Case Bankruptcy Chapter Type = "11" :ConsumerIndicator="J" Case Bankruptcy Chapter Type ="12" :ConsumerIndicator= "K" Case Bankruptcy Chapter Type = "13" ConsumerIndicator = "L" | // 38 Consumer Information Indicator |
| **If ( Bankruptcy:ChapterType = 7 And the Bankruptcy Status = "REAFFIRMED" )** The Consumer Information Indicator = R **if (Bankruptcy:ChapterType = 7 And the Bankruptcy Status = "RESCINDED" )** The Consumer Information Indicator = V **if (Bankruptcy:ChapterType = 7 And the Bankruptcy Status = "REAFFIRMED_REMOVE" )** The Consumer Information Indicator = S **And on export the status of the bankruptcy is set to REAFFIRMED_REMOVE*D*** A note is also posted against the account. Future reporting on this account will send a blank for the Consumer Information Indicator unless the status is changed. | // 38 Consumer Information Indicator |
| **Else** “ “ (blank) | // 38 Consumer Information Indicator |
| “ “ (blank) | // 39 Country Code |
| ACE Primary Demographic Address 1 | // 40 Address 1 |
| ACE Primary Demographic Address 2 | // 41 Address 2 |
| ACE Primary Demographic City | // 42 City |
| ACE Primary Demographic State | // 43 State |
| ACE Primary Demographic Zip | // 44 Zip |
| “ “ (blank) | // 45 Address Indicator |
| “ “ (blank) | // 46 Residence Codeccount |