Cotality Credit - Credco®

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December 2025

Updates to Account Number Truncation

Cotality Credco is updating its credit report XML output, effective mid-January 2026, to comply with PCI DSS: account numbers for Credit Liabilities will be truncated to the last four digits (leading digits removed) instead of returning the full number. This affects companies with an existing Credit API.

December 31, 2025

Account Number Truncation Update

Following up on prior PCI DSS 4.0 truncation communications, this update clarifies that only Revolving and Open account tradelines will show truncated account numbers (last four digits only). Mortgage and Installment tradelines are unaffected and will continue displaying full account numbers as provided by the bureaus.

December 13, 2025

Account Number Truncation Updates

Update on the PCI DSS 4.0 account number truncation change: it applies only to Revolving and Open account credit tradelines — Installment and Mortgage tradelines will still show the full account number.

December 12, 2025

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