Documentation for HR-XML - Human Resources XML
Definition Type: ComplexType
Name: CreditLiabilityType
Namespace: http://ns.hr-xml.org/2007-04-15
Containing Schema: Credit.xsd
Abstract
Collapse XSD Schema Diagram:
Drilldown into InformationalMessage in schema credit_xsd Drilldown into AdditionalItems in schema credit_xsd Drilldown into UnpaidBalanceAmount in schema credit_xsd Drilldown into TermsSourceType in schema credit_xsd Drilldown into TermsMonthsCount in schema credit_xsd Drilldown into TermsDescription in schema credit_xsd Drilldown into PaymentStatus in schema credit_xsd Drilldown into PaymentLevelDate in schema credit_xsd Drilldown into PastDueAmount in schema credit_xsd Drilldown into MonthsReviewedCount in schema credit_xsd Drilldown into ScheduledPaymentAmount in schema credit_xsd Drilldown into EstimatedPaymentAmount in schema credit_xsd Drilldown into ActualPaymentAmount in schema credit_xsd Drilldown into PriorAdverseRating in schema credit_xsd Drilldown into PaymentPattern in schema credit_xsd Drilldown into OriginalLoanAmount in schema credit_xsd Drilldown into MostRecentAdverseRating in schema credit_xsd Drilldown into LateCount in schema credit_xsd Drilldown into HighestAdverseRating in schema credit_xsd Drilldown into MannerOfPayment in schema credit_xsd Drilldown into LastActivityDate in schema credit_xsd Drilldown into HighCreditAmount in schema credit_xsd Drilldown into HighBalanceAmount in schema credit_xsd Drilldown into DeferredAccountTerms in schema credit_xsd Drilldown into DerogatoryDataIndicator in schema credit_xsd Drilldown into CurrentRating in schema credit_xsd Drilldown into ConsumerDisputeIndicator in schema credit_xsd Drilldown into CollateralDescription in schema credit_xsd Drilldown into ChargeOffAmount in schema credit_xsd Drilldown into CreditLoanType in schema credit_xsd Drilldown into CreditLimitAmount in schema credit_xsd Drilldown into BalloonPaymentAmount in schema credit_xsd Drilldown into BalanceDate in schema credit_xsd Drilldown into AccountType in schema credit_xsd Drilldown into AccountStatusDate in schema credit_xsd Drilldown into AccountStatusType in schema credit_xsd Drilldown into AccountReportedDate in schema credit_xsd Drilldown into AccountPaidDate in schema credit_xsd Drilldown into AccountOwnershipType in schema credit_xsd Drilldown into AccountOpenedDate in schema credit_xsd Drilldown into AccountIdentifier in schema credit_xsd Drilldown into AccountClosedDate in schema credit_xsd Drilldown into Creditor in schema credit_xsd Drilldown into FurtherReviewRequired in schema credit_xsd Drilldown into vendor in schema credit_xsd Drilldown into liabilityType in schema credit_xsdXSD Diagram of CreditLiabilityType in schema credit_xsd (HR-XML - Human Resources XML)
Collapse XSD Schema Code: 
<xsd:complexType name="CreditLiabilityType">
    <xsd:sequence>
        <xsd:element name="FurtherReviewRequired" type="xsd:boolean" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>Information may need further review.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="Creditor" type="CreditContactType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>Organization name of credit grantor</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="AccountClosedDate" type="FlexibleDatesType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The date that the credit liability account was closed by the liability holder (by either the borrower or the liability holder).</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="AccountIdentifier" type="xsd:string" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The account number assigned to the liability account as provided by the credit repository bureau.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="AccountOpenedDate" type="FlexibleDatesType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>Date the account was opened.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="AccountOwnershipType" type="AccountOwnershipTypeType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>Describes the ownership relation of the borrower(s) to the liability account (i.e. are they solely responsible, jointly responsible, a co-signer on the account, etc.) Also refered to as ECOA Code.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="AccountPaidDate" type="FlexibleDatesType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The date that the credit liability was reported paid to zero by the liability holder.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="AccountReportedDate" type="FlexibleDatesType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The date that the credit liability data was reported by the liability holder.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="AccountStatusType" type="AccountStatusTypeType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>Status for an account as of the Account Status Date.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="AccountStatusDate" type="FlexibleDatesType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The Status Date is the date that the accounts Current Rating was CHANGED to that status by the liability holder. If the Current Rating status is Bankruptcy, for example, the Status Date would be when the account first went into bankkruptcy.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="AccountType" type="AccountTypeType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>This describes the type of account established with the Liability Account Holder - credit line, installment, mortgage, open, revolving).</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="BalanceDate" type="FlexibleDatesType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>Balance owed as of date.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="BalloonPaymentAmount" type="CurrencyAmountType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>Credit Liability Balloon Payment Amount.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="CreditLimitAmount" type="CurrencyAmountType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The current credit limit for the account as reported by the liability holder.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="CreditLoanType" type="CreditLoanTypeType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>This element contains an enumerated list of common loan types. If the loan type is Other, then preceed the description with x:.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="ChargeOffAmount" type="CurrencyAmountType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The amount charged off by a liability holder, usually for an account in collection.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="CollateralDescription" type="xsd:string" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>A description of any collateral for the loan (for example, 97 Corvette).</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="ConsumerDisputeIndicator" type="xsd:boolean" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>This element indicates whether or not the consumer (borrower) disputes information reported for this account and has filed a FCRA dispute form.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="CurrentRating" type="CreditRatingType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The liability accounts current rating (as of Date Reported) for how timely the borrower has been making payments on this account.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="DerogatoryDataIndicator" type="xsd:boolean" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>This element indicates whether or not the liability account contains adverse or derogatory information.
</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="DeferredAccountTerms" minOccurs="0">
            <xsd:complexType>
                <xsd:simpleContent>
                    <xsd:extension base="xsd:string">
                        <xsd:attribute name="type" type="DeferredLoanTermsType" use="optional" />
                    </xsd:extension>
                </xsd:simpleContent>
            </xsd:complexType>
        </xsd:element>
        <xsd:element name="HighBalanceAmount" type="CurrencyAmountType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The highest balance recorded for the account by the liability holder.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="HighCreditAmount" type="CurrencyAmountType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The highest credit limit established for the account by the liability holder. It could be higher than the current credit limit.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="LastActivityDate" type="FlexibleDatesType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The date of last account activity (such as last charge or last payment)reported by the liability holder.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="MannerOfPayment" type="xsd:string" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>Current Manner of Payment</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="HighestAdverseRating" type="CreditRatingType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The most recent date and payment history code of the worst status beyond the current payment history element's contents.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="LateCount" type="LateDelinquentCountType" minOccurs="0" maxOccurs="unbounded">
            <xsd:annotation>
                <xsd:documentation>The number of times the liability account was reported  late by the liability holder. This count will typically cover 30, 60, 90 and 120 days.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="MostRecentAdverseRating" type="CreditRatingType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The most recent amount that the borrower was reported delinquent by the liability holder.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="OriginalLoanAmount" type="CurrencyAmountType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The original amount of the loan.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="PaymentPattern" type="PaymentPatternType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>This is a set of previous monthly payment ratings beginning with the Payment Pattern Start Date. </xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="PriorAdverseRating" type="CreditRatingType" minOccurs="0" maxOccurs="unbounded" />
        <xsd:element name="ActualPaymentAmount" type="CurrencyAmountType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The monthly amount the consumer has paid or is scheduled to pay.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="EstimatedPaymentAmount" type="CurrencyAmountType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The estimated monthly amount the consumer will pay or is scheduled to pay.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="ScheduledPaymentAmount" type="CurrencyAmountType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The monthly amount the consumer  is scheduled to pay.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="MonthsReviewedCount" type="xsd:integer" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The number of months of account history reported by the liability holder. This is the period over which Late Counts are accumulated.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="PastDueAmount" type="CurrencyAmountType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The amount that the borrower is currently past due as reported by the liability holder.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="PaymentLevelDate" type="FlexibleDatesType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The date the account first reached the present status level.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="PaymentStatus" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>Comments reflecting the payment history of the account as of the balance date.</xsd:documentation>
            </xsd:annotation>
            <xsd:complexType>
                <xsd:sequence>
                    <xsd:element name="Description" type="xsd:string" minOccurs="0">
                        <xsd:annotation>
                            <xsd:documentation>Comments reflecting the payment history of the account as of the balance date.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:element>
                    <xsd:element name="Code" type="xsd:string" minOccurs="0">
                        <xsd:annotation>
                            <xsd:documentation>Repository code identifying the payment history of the account as of the balance date.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:element>
                </xsd:sequence>
            </xsd:complexType>
        </xsd:element>
        <xsd:element name="TermsDescription" type="xsd:string" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>A text description for the loan terms (for example, 360 months at $820 per month).</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="TermsMonthsCount" type="xsd:positiveInteger" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The total number of months established as terms for repayment of a loan.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="TermsSourceType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>Indicates whether the monthly payment terms amount was provided by the repository bureau, or calculated by the credit bureau.</xsd:documentation>
            </xsd:annotation>
            <xsd:simpleType>
                <xsd:restriction base="xsd:string">
                    <xsd:enumeration value="Calculated" />
                    <xsd:enumeration value="Provided" />
                </xsd:restriction>
            </xsd:simpleType>
        </xsd:element>
        <xsd:element name="UnpaidBalanceAmount" type="CurrencyAmountType" minOccurs="0">
            <xsd:annotation>
                <xsd:documentation>The balance owed on a liability account as of the Date Reported by a repository bureau or credit bureau.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="AdditionalItems" type="FlexibleDetailType" minOccurs="0" maxOccurs="unbounded">
            <xsd:annotation>
                <xsd:documentation>Contains the individual unparsed lines of credit information. </xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="InformationalMessage" type="MessagesType" minOccurs="0" maxOccurs="unbounded">
            <xsd:annotation>
                <xsd:documentation>Informational messages provided by the organization granting the credit.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <!-- <xsd:element name="CreditAmount" maxOccurs="2"> -->
    </xsd:sequence>
    <xsd:attribute name="liabilityType" type="xsd:string" use="optional" />
    <xsd:attribute name="vendor" type="VendorType" use="optional" />
</xsd:complexType>
Collapse Child Elements:
Name Type Min Occurs Max Occurs
FurtherReviewRequired hr:FurtherReviewRequired 0 (1)
Creditor hr:Creditor 0 (1)
AccountClosedDate hr:AccountClosedDate 0 (1)
AccountIdentifier hr:AccountIdentifier 0 (1)
AccountOpenedDate hr:AccountOpenedDate 0 (1)
AccountOwnershipType hr:AccountOwnershipType 0 (1)
AccountPaidDate hr:AccountPaidDate 0 (1)
AccountReportedDate hr:AccountReportedDate 0 (1)
AccountStatusType hr:AccountStatusType 0 (1)
AccountStatusDate hr:AccountStatusDate 0 (1)
AccountType hr:AccountType 0 (1)
BalanceDate hr:BalanceDate 0 (1)
BalloonPaymentAmount hr:BalloonPaymentAmount 0 (1)
CreditLimitAmount hr:CreditLimitAmount 0 (1)
CreditLoanType hr:CreditLoanType 0 (1)
ChargeOffAmount hr:ChargeOffAmount 0 (1)
CollateralDescription hr:CollateralDescription 0 (1)
ConsumerDisputeIndicator hr:ConsumerDisputeIndicator 0 (1)
CurrentRating hr:CurrentRating 0 (1)
DerogatoryDataIndicator hr:DerogatoryDataIndicator 0 (1)
DeferredAccountTerms hr:DeferredAccountTerms 0 (1)
HighBalanceAmount hr:HighBalanceAmount 0 (1)
HighCreditAmount hr:HighCreditAmount 0 (1)
LastActivityDate hr:LastActivityDate 0 (1)
MannerOfPayment hr:MannerOfPayment 0 (1)
HighestAdverseRating hr:HighestAdverseRating 0 (1)
LateCount hr:LateCount 0 unbounded
MostRecentAdverseRating hr:MostRecentAdverseRating 0 (1)
OriginalLoanAmount hr:OriginalLoanAmount 0 (1)
PaymentPattern hr:PaymentPattern 0 (1)
PriorAdverseRating hr:PriorAdverseRating 0 unbounded
ActualPaymentAmount hr:ActualPaymentAmount 0 (1)
EstimatedPaymentAmount hr:EstimatedPaymentAmount 0 (1)
ScheduledPaymentAmount hr:ScheduledPaymentAmount 0 (1)
MonthsReviewedCount hr:MonthsReviewedCount 0 (1)
PastDueAmount hr:PastDueAmount 0 (1)
PaymentLevelDate hr:PaymentLevelDate 0 (1)
PaymentStatus hr:PaymentStatus 0 (1)
TermsDescription hr:TermsDescription 0 (1)
TermsMonthsCount hr:TermsMonthsCount 0 (1)
TermsSourceType hr:TermsSourceType 0 (1)
UnpaidBalanceAmount hr:UnpaidBalanceAmount 0 (1)
AdditionalItems hr:AdditionalItems 0 unbounded
InformationalMessage hr:InformationalMessage 0 unbounded
Collapse Child Attributes:
Name Type Default Value Use
liabilityType hr:liabilityType Optional
vendor hr:vendor Optional
Collapse Derivation Tree:
Collapse References:
hr:CreditLiability
Documentation for HR-XML - Human Resources XML

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