Compliance Condition Codes Guide (XB, XC, XH and more)

What the compliance condition codes (XB, XC, XH and more) signal, and when a missing or stale code is the problem.

What is inside

What the XB, XC and XH codes are meant to show
When a code should be present, and when it is missing or stale
How to flag a code problem without disputing accurate data

Who it is for: Dispute operators who see a compliance condition code on a tradeline and need to know what it does and does not prove.

Questions

Does a compliance condition code remove an account from the report?

No. It marks a condition on the account. Whether any item is removed depends on whether the underlying information is inaccurate or cannot be verified.

Should I send a dispute just because a code is present?

No. Dispute the underlying information only if it is inaccurate, incomplete or unverifiable. The code alone is not a reason to dispute.

SCAIL is software and does not repair credit or promise results. Educational information, not legal advice. Laws change; verify with counsel.