> For the complete documentation index, see [llms.txt](https://developers.bloomcredit.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers.bloomcredit.io/furnishment/account-events.md).

# Account Events

Bloom utilizes account events to represent actions that may be taken on an account. These events change reporting statuses and provide special comment codes or compliance condition codes.

### Account Events:

All Account Events require a subsequent Statement in order to be picked up in the next furnishment, *except* Delete events.

| Account Event                | Supported | Purpose                                                        | Requirements                                                                                                                                           | Portfolio Types                              |
| ---------------------------- | --------- | -------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------ | -------------------------------------------- |
| Add Secondary Consumer       |           |                                                                |                                                                                                                                                        |                                              |
| Charge-Off                   | Yes       | Reports a delinquent account that is written-off by furnisher. | Account must be >30 days past due. Must provide write-off amount. *Further payments must be allowed on account, and impacts subsequent credit status.* | Installment, Open, Revolving, Line of Credit |
| Close                        |           |                                                                |                                                                                                                                                        |                                              |
| Collateral Depreciation      |           |                                                                |                                                                                                                                                        |                                              |
| Credit Line Suspended        |           |                                                                |                                                                                                                                                        |                                              |
| Delete                       |           |                                                                |                                                                                                                                                        |                                              |
| Dispute - Started            |           |                                                                |                                                                                                                                                        |                                              |
| Dispute - Completed          |           |                                                                |                                                                                                                                                        |                                              |
| Foreclosure - Started        |           |                                                                |                                                                                                                                                        |                                              |
| Foreclosure - Completed      |           |                                                                |                                                                                                                                                        |                                              |
| Loan Redemption              |           |                                                                |                                                                                                                                                        |                                              |
| Loan Reinstatement           |           |                                                                |                                                                                                                                                        |                                              |
| Natural Disaster - Started   |           |                                                                |                                                                                                                                                        |                                              |
| Natural Disaster - Completed |           |                                                                |                                                                                                                                                        |                                              |
| Remove Secondary Consumer    |           |                                                                |                                                                                                                                                        |                                              |
| Remove Transfer              |           |                                                                |                                                                                                                                                        |                                              |
| Repossession                 |           |                                                                |                                                                                                                                                        |                                              |
| Transfer                     |           |                                                                |                                                                                                                                                        |                                              |
| Voluntary Surrender          |           |                                                                |                                                                                                                                                        |                                              |
| Collections                  |           |                                                                |                                                                                                                                                        |                                              |

<br>

<details>

<summary>Nice to know</summary>

* In order to report these events in Metro2, you will need to provide details about each event in the respective endpoints.
* In order for these events to be captured in the reporting cycle of a Furnishment, the event's effective date needs to occur *before* or *on* the statement date.
* If you know that an account might go into collections after a certain time, you can Future date the event to that event as long as it's within that reporting cycle.
* If an account is currently in foreclosure, but you know that they will be out of foreclosure in a week, you can future reverse that date for that current reporting cycle.

</details>


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