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

# Enum Reference

> All payment types, status codes, and Metro 2 mappings

## payment\_type

| Value             | Description                                                |
| ----------------- | ---------------------------------------------------------- |
| `rent`            | Rental payments                                            |
| `child_support`   | Child support payments                                     |
| `alimony`         | Alimony/spousal support                                    |
| `utility`         | Gas, electric, water, etc.                                 |
| `medical`         | Medical/healthcare payments                                |
| `insurance`       | Insurance premium payments                                 |
| `subscription`    | Recurring subscription payments                            |
| `bill_pay`        | General bill payments                                      |
| `loan`            | Loan repayments                                            |
| `education`       | Education expenses (tuition, school fees, etc.)            |
| `dependent_care`  | Dependent/child care expenses                              |
| `shared_expenses` | Shared household or family expenses                        |
| `custom`          | Custom payment type (use `payment_type_label` to describe) |

## account\_status

Auto-computed from payment reports. Do not set manually.

| Value                | Metro 2 Code | Description               |
| -------------------- | ------------ | ------------------------- |
| `current`            | 11           | Paid as agreed            |
| `late_30`            | 71           | 30-59 days past due       |
| `late_60`            | 78           | 60-89 days past due       |
| `late_90`            | 80           | 90-119 days past due      |
| `late_120`           | 82           | 120-149 days past due     |
| `late_150`           | 83           | 150-179 days past due     |
| `late_180_plus`      | 84           | 180+ days past due        |
| `paid_in_full`       | 13           | Account paid in full      |
| `closed`             | 97           | Account closed            |
| `transferred`        | 05           | Account transferred       |
| `account_in_dispute` | DA           | Consumer disputes account |

## ecoa\_code

| Value             | Metro 2 Code | Description                        |
| ----------------- | ------------ | ---------------------------------- |
| `individual`      | I            | Individual account (borrower only) |
| `joint`           | J            | Joint account                      |
| `cosigner`        | C            | Co-signer                          |
| `authorized_user` | A            | Authorized user                    |
| `terminated`      | T            | Terminated                         |
| `maker`           | M            | Maker                              |

## metro2\_account\_type

| Value            | Metro 2 Code | Description      |
| ---------------- | ------------ | ---------------- |
| `revolving`      | R            | Revolving credit |
| `open`           | O            | Open account     |
| `installment`    | I            | Installment loan |
| `mortgage`       | M            | Mortgage         |
| `line_of_credit` | C            | Line of credit   |

## payment\_status

Sent with each payment report.

| Value           | Payment History Code | Description                               |
| --------------- | -------------------- | ----------------------------------------- |
| `on_time`       | 0                    | Paid on time                              |
| `late_30`       | 1                    | 30-59 days late                           |
| `late_60`       | 2                    | 60-89 days late                           |
| `late_90`       | 3                    | 90-119 days late                          |
| `late_120`      | 4                    | 120-149 days late                         |
| `late_150`      | 5                    | 150-179 days late                         |
| `late_180_plus` | 6                    | 180+ days late                            |
| `missed`        | D                    | Missed/no payment                         |
| `partial`       | 1                    | Partial payment (treated as 30 days late) |

## submission\_status

| Value       | Description                                |
| ----------- | ------------------------------------------ |
| `pending`   | Metro 2 file generated, waiting to be sent |
| `submitted` | File uploaded to bureau via SFTP           |
| `accepted`  | Bureau confirmed acceptance                |
| `rejected`  | Bureau rejected the record                 |
| `error`     | System error during submission             |

## payment\_frequency

| Value       | Description            |
| ----------- | ---------------------- |
| `weekly`    | Every week             |
| `biweekly`  | Every two weeks        |
| `monthly`   | Once a month (default) |
| `quarterly` | Every three months     |
| `annually`  | Once a year            |