If you or your member notice an account is not being updated (or the additional signer on a loan) you should first try to find out if the loan/additional signer was included in the file sent over to the bureau. You can do this for the most recent reporting cycle by running Tool #658 Print Loan Info Sent to Credit Bureau . If the member loan/additional signer information (defined by METRO 2 as the J1 segment or J2 Segment) is present in that file you need to look further into the following types  More...

The Note # is an optional field activated in the loan category (Tool #458 Loan Category Configuration ). To be able to input a Loan Note # for loans of that category, select Use note # control. When creating a new loan account you will be able to assign a Note # for the loan, which can later be used for generating reports or queries.

Here are seven things to review if you are trying to research why a loan did not report to the credit bureau. Look to see if the loan is flagged not to report to the credit bureau: Access Tool #20 Update Account Information (shortcut: acct) for the account and click the Credit Reporting Info button. The Report to credit bureau flag must be checked. Look at the Credit Report History located in Loan Account Inquiry via the Delinquency window (F23 or click the lookup button next to the Deli  More...

No, you can still see a list of all accounts in the Full Account Summary, including a column for due dates in the Loans section. (Tip: Sub-totals under each section were also added as of 11/9/2021.) Remember that the home page is just a list of favorite accounts, not the full account summary, which is why it’s not separated into categories and doesn't include as much info (like loan due dates). If you scroll to the end of that list and click the Full Account Summary link, you get the  More...

There is currently no mechanism to simply transfer account data from one membership to another. This would cause issues with credit reporting and would require a lot of cleanup work in eOscar as well. The better method is to close the account and reopen a new one. Note: Previous credit reporting history will remain under the closed account. Transaction history cannot be transferred to the new account but will be available on the closed account for the normal retention period (usually 18 months)  More...

Keywords are not case sensitive. For example, you can type either help or HELP or even Help and you'll get the same result. BAL Reponses to BAL include the available balance on three savings accounts/and or checking accounts. Member Text: BAL Text Response: xxxxxxxxxxxxxxx:$-9,999,999.99, xxxxxxxxxxxxxxx:$-9,999,999.99, xxxxxxxxxxxxxxx:$-9,999,999.99. Reply HELP for help. Msg Data Rates May Apply. If multiple memberships are enrolled with the same phone, the response will ask you to specif  More...

The following old special Comment codes are no longer valid now that your credit data is being reported using the Metro 2 format: BU BV BW BX BY CA CB Instead, use the Consumer Information Indicator field on the loan account to report bankruptcy. This can be changed using Tool #20 Update Account Information on the loan account (click the Credit Reporting Info button to display the the Credit Bureau Reporting Information screen). NOTE: You only need to report bankrtupcy once. If the bankrupt  More...

Use Tool #20 Update Account Information to access the loan account. Click the Credit Report Info button and for the Status field choose 68 ( ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE ).

As of May 2019, the following reports can be set up in the Report Scheduler. More reports are being added all the time, though. To see if your report is included, simply look for the Save Settings button on the screen when you are running your report. Tool #108 Accrued Dividend Summary Rpt - CDs Tool #190 CD Maturity Analysis Report Tool #191 CD Selective Trial Balance Report Tool #213 Closed Account Report Tool #218 Closed Membership Report Tool #280 Contingent Liability Analysis Report Too  More...

These days, electronic communication is becoming more and more vital to your relationship with your members. Start by verifying your credit union's From: email addresses are set up properly. You can use a DNS tool to verify your domain, learn more in this Knowledge Base item . This is where bounced-back emails are delivered, one for loan status change emails (configured as part of your Underwriting Codes and generated by items in your lending queue) and all other general emails that CU*BAS  More...

Use Tool #658 Print Loan Info Sent to Credit Bureau to see all accounts that are reported to the credit bureaus. At the bottom of the report is the listing of all the bureaus to which reports are sent: Experian, Equifax, TransUnion, and Factual Data (formerly CBC/Innovis).

We pull data from many different tables into a new behind-the-scenes table called a view. When a search is performed we look at everything in that view and return a result wherever we got a hit in any column or row in that table. The view selects data from the following files: MASTER membership info (account base, DBA name, employee #*, last name, first name, middle initial, reference*, SSN, member type) MSNONMBR non-member info (SSN/TIN, first name, last name, middle initial, member type) Th  More...

There are two methods for distributing notices, one of which is preset notice levels , where a different notice is generated depending on how long the member has been delinquent. (The other is recurring notices , where the same notice is sent again and again.) Notice levels are the most common method used. Valid delinquency levels 1-4 are configured via Tool #338 Delinquency Notice Configuration . Define when and how the system should generate notices to warn both the member and credit unio  More...

CU*BASE Standards for Names and Addresses for Metro 2 Credit Reporting With the implementation of new Metro 2 standards for reporting member credit data to the national credit bureaus, following are some tips for entering names and addresses, including military addresses, properly into CU*BASE. The bureaus have given notice that any names or addresses not adhering to these standards will be rejected and not posted to the bureau's database. (Keep in mind that for online credit unions, a high   More...