Metro 2 ECOA code X: consumer deceased
The person this code is attached to has died. On a joint account, it should mark only the person who died, not the surviving borrower. It describes a person rather than the account, so the account can keep reporting normally for anyone else responsible for it, including a surviving joint borrower.
How it shows on your report
A "Deceased" notation on the account or in the report header.
How it affects your score
On a living person's file it can disrupt scoring and lead lenders to deny or delay an application.
What to check
If you're alive and see a deceased flag, dispute it right away with proof of identity. It can land on the wrong person when a joint account holder dies, so check your joint accounts after a spouse or co-borrower passes away.
If this code is wrong on your report
- Metro 2 explained: the data format behind your credit reportHow lenders send coded data to the bureaus, and how disputes travel back to them.
- How to dispute a credit report error, step by stepA step-by-step guide to disputing credit report errors with Equifax, Experian and TransUnion: online vs. mail, what to include, and how to keep proof.
- Letter builderWrite dispute, goodwill, validation and identity theft letters. Free, printed by you, sent by you.
Sources
- ECOA codes (Genesys Latitude documentation)
- What is an ECOA code on a credit report? (Chase)
- Metro 2 ECOA Codes (Bureau Relay reference)
- Equal Credit Opportunity Act (ECOA) codes (Finvi documentation)
These explanations are ScoreTuner's plain-English summaries. The official specification is the CDIA Credit Reporting Resource Guide, which is copyrighted and not reproduced here. This is education, not legal advice.