Updates to Account Number Truncation

Changes noted below effective mid-January 2026

Cotality Credco is making updates to how we truncate account numbers on our credit report XML output in order to comply with recent changes made in the Payment Card Industry Data Security Standard (PCI DSS). You are being sent this notice as your company has an existing Credit API with Cotality Credco and this update will change what is returned to your application in the credit report xml response.

With this change, instead of returning the full account number for Credit Liabilities in the xml response payload, the new requirements will truncate the account number to only return the last four digits of the account number. The leading digits will all be removed, per the examples shown in the file linked below.

If you have any questions, please email CRE-DL-CreditProductSupport@cotality.com.