TransUnion Key To The Credit Report

Information and details maintained within your TransUnion^SM credit report are presented in a certain order. Credit professionals know exactly where to look for the information they need. This is the order of information:

 

(1) Inquiry Information
Subscriber inquiry information is displayed at the top of the report. On every TransUnion^SM Credit Report the inquiring subscriber's TransUnion^SM-assigned code, name, market area where the file resides within the TransUnion^SM system, date the file was created, and inquiry date and time (central time zone) of the inquiry are displayed.

(2) Demographic Information
Helps you verify consumer identification by providing:

• Consumer's name, plus any known aliases.
• Current address and date reported.
• Up to two previous addresses, date reported on first previous address.
• Social security number.
• If available, date of birth, telephone number and most current employer, one previous employer, including addresses, position, income and date employment was verified, reported and/or hired.

Special Messages
Highlights specific credit file conditions that may include:

• Suspected fraud, as indicated by TRANSALERT^SM or HAWK^SM.
• Presence of consumer statement.
• No subject found.
• (3) A TransAlert^SM message appears when the input address, SSN or surname does not match what is on file; or when a minimum of four inquiries have been made against the file within the last 60 days; or if the SSN has not been issued by the Social Security Administration.
• (4) Hawk^SM messages (optional) appears if address, phone number or SSN have been used in suspected fraudulent activity; or if the information is inappropriate on an application, such as a commercial or institutional address; or if the SSN is that of a deceased person as reported by the Social Security Administration.

Model Profile
Displays unbiased predictive scores to project a consumer's future credit risk.  Other scores available estimate income, project recovery dollars and predict insurance risk.

• (5) Risk score factors are displayed numerically or in text.  Up to four factors are disclosed with EMPIRICA^SM, NEW DELPHI^SM, PATROL^SM and ASSIST^SM.  These factors are displayed in order based on their relative impact on the final score.
• (6) ***ALERT^SM*** appears after model profile heading when MOP 7 or greater, a negative public record or a collection is present on the file.
• (7) ***NEW DELPHI^SM*** predicts the likelihood of an applicant becoming bankrupt within the next 12 months.

Credit Summary
Provides a "snapshot" of all activity on the consumer's credit report.

• Available as an option covering either total file history or 12-month file history.
• "Total File History" or "12 Month History" will print in the upper right hand corner of the credit summery depending on the option chosen.

From left to right, headers in the first row read as follows:
(8) Total number of public records

(9) Total number of collection accounts; account with Kinds-Of-Business (KOB) code of "Y".

(10) Total number of accounts with a current manner of payment (MOP) 2 or greater.

(11) HISTORICAL NEGATIVE: Displayed in tt-iii format.
tt=Total number of accounts with an historical MOP 2 or greater.
iii=Total number of times MOP 2 or greater rating have historically occurred.  Excludes current MOP.

(12) Total number of trades. TRD value is the sum of RVL, INST, MTG and OPN values.

(13) Total number of revolving and/or check credit accounts (Account types "R" and "C").

(14) Total number of installment accounts (Account type "I").

(15) Total number of mortgage accounts (Account type "M").

(16) Total number of open accounts (Account type "O").

(17) Total number of inquiries.

From left to right, headers on the second row read as follows:
(18) Highest amount ever owed on an account.

(19) Maximum credit amount approved by credit grantor.

(20) Balance owed as of the date verified.

(21) Amount past due as of the date verified or closed.

(22) From the "TERMS" field on the account; subscriber-reported monthly payment.

(23) Percent of credit available for revolving, check credit and open accounts.  Field is calculated by subtracting balance from credit limit divided by credit limit

(24) Totals for second row headers are included for: Revolving, Installment, (Mortgage, Open and Closed with Balance accounts not shown on sample report).

*Note: Fields with dollar amounts will display K=Thousands, M=Millions.

(25) Public Record
Public record information is maintained on a consumer's file in compliance with the Fair Credit Reporting Act (FCRA) and Fair and Accurate Credit Transactions Act (FACTA). This information is obtained from county, state and federal courts and provides notification of:

• Civil judgments or tax liens reported for the consumer over the past 7 years.
• Bankruptcies the consumer has filed during the past 10 years.
• Public record information includes the source, type of public record, date the public record was reported to the credit bureau, any liabilities, the ECOA designator; (see the “codes page” for more details) court location, any assets and the date public record was paid (if applicable). Also list the docket number, the plaintiff and attorney involved in the case.

(26) Collections
Identifies consumer accounts that have been transferred to a professional debt-collecting firm.
Collection information includes the name of the collection agency providing information, consumer's account number with the collection agency, collector's Kinds-of-Business designator and TransUnion^SM assigned reporting subscriber number (all collection agency subcodes begin with a "Y"), the ECOA designator (see the “codes page” for more details), date the amount was charged off by the original creditor, date the information was verified along with an indicator code (see the “codes page” for more details), date the item was turned over to a collection agency, original dollar amount of collection, the balance owed as of date verified or closed, name of the original creditor, and an explanation of current account status as reported by the collection agency.

Trades
Provides an on-going historical and current record of the consumer's buying and payment activities.

• Trades are available sorted by most derogatory followed by date verified and vice-versa.
• Payment pattern is available displaying either 12 or 24 months.

Trade information includes the following:
(27) Abbreviated name of credit grantor with whom consumer has an account. (SUBNAME)

(28) Consumer's account number with the credit grantor. (ACCOUNT#)

(29) ECOA indicated responsibility for paying the account; (see the "codes page" for more details). (ECOA)

(30) Credit Grantor's Kinds-Of-Business designator and TransUnion^SM-assigned reporting subscriber number (see the “codes page” for more details). (SUBCODE)

(31) Collateral for an installment loan or type of loan. (COLLATRL/LOANTYPE)

(32) Date the account was opened. (OPENED)

(33) Date of last activity on the account; (see the “codes page” for more details). (VERIFIED)

(34) Date an account was closed or paid out. (CLSD/PD)

(35) Highest amount ever owed by the consumer on that account. (HIGHCRED)

(36) Maximum amount of credit approved by credit grantor. (CREDLIM)

(37) Balance owed as of date verified or closed. (BALANCE)

(38) Number of payments, payment frequency, and dollar amount agreed upon. (TERMS)

(39) Amount past due as date verified or closed. (PASTDUE)

(40) Explanation of dispute or account credit condition, as reported by credit grantor. (REMARKS)

(41) Date on which the maximum level of delinquency for that account occurred. (MAXDELQ)

(42) Dollar amount of consumer's maximum delinquency and the manner of payment rating at the time. (AMT-MOP)

(43) Manner of payment for the last 12 months. (PAYPAT 1-12)

(44) Manner of payment for the 12 months preceding those reported under PAYPAT 1-12. (PAYPAT 13-24)

(45) 4 - column display; describing payment history.
MO=Number of months reviewed (MO 30/60/90)
30 = Number of times over 30 days late
60 = Number of times over 30 days late
90 = Number of times over 30 days late

(46) Type of account (R,I,M,O,C) and manner of payment code at which the account is currently reported; (see the “codes page” for more details). (MOP)

(47) Inquiries
Displays which companies have viewed the consumer's credit file over the last 2 years. Includes date the inquiry occurred, inquiring subscriber's TransUnion^SM-assigned account number and name.

• Available in one or two column display.
• If two column, inquiries are displayed either left to right or top to bottom, by date.

"Report Serviced By"
Identifies the TransUnion^SM bureau owning or servicing the credit report. This information directs consumers to the appropriate location.

FIELDS NOT DISPLAYED IN SAMPLE REPORT

CONSUMER STATEMENT, when provided, will appear at the bottom of the report.

MISCELLANEOUS STATEMENTS may appear at the end of the report to provide relevant information that does not meet criteria for inclusion in other sections.

LOOK^TM identifies subscriber's name, complete address and telephone number if available for quicker, easier referral.

OPTIONAL MODELS AVAILABLE

EMPIRICA^SM predicts the likelihood of an applicant becoming delinquent within the next 24 months.

NEW DELPHI^SM predicts the likelihood of an applicant becoming bankrupt within the next 12 months.

REWARD^SM rank orders delinquent accounts by estimated repayment dollars within 6 months.

TIE^SM estimates individual consumer income.

PATROL^SM measures the likelihood of a consumer carrying required collateral insurance.

ASSIST^SM rank orders insurance consumers on the basis of the predicted loss ratio range group.

KEY TO THE CREDIT REPORT

(1)Inquiry Information Subscriber inquiry information is displayed at the top of the report. On every Trans Union Credit Report the inquiring subscriber's Trans Union-assigned code, name, market area where the file resides within the Trans Union system, date the file was created, and inquiry date and time (central time zone) of the inquiry are displayed. (2)Demographic Information Helps you verify consumer identification by providing: Consumer's name, plus any known aliases. Current address and date reported. Up to two previous addresses, date reported on first previous address. Social security number. If available, date of birth, telephone number and most current employer, one previous employer, including addresses, position, income and date employment was verified, reported and/or hired. Special Messages Highlights specific credit file conditions that may include: Suspected fraud, as indicated by TRANS ALERT or HAWK. Presence of consumer statement. No subject found. (3)A TRANS ALERT message appears when the input address, SSN or surname does not match what is on file; or when a minimum of four inquiries have been made against the file within the last 60 days; or if the SSN has not been issued by the Social Security Administration. (4)HAWK messages (optional) appears if address, phone number or SSN have been used in suspected fraudulent activity; or if the information is inappropriate on an application, such as a commercial or institutional address; or if the SSN is that of a deceased person as reported by the Social Security Administration. Model Profile Displays unbiased predictive scores to project a consumer's future credit risk.  Other scores available estimate income, project recovery dollars and predict insurance risk. (5)Risk score factors are displayed numerically or in text.  Up to four factors are disclosed with EMPIRICA, NEW DELPHI, PATROL and ASSIST.  These factors are displayed in order based on their relative impact on the final score. (6)***ALERT*** appears after model profile heading when MOP 7 or greater, a negative public record or a collection is present on the file. (7)***NEW DELPHI*** predicts the likelihood of an applicant becoming bankrupt within the next 12 months. Credit Summary Provides a "snapshot" of all activity on the consumer's credit report. Available as an option covering either total file history or 12-month file history. "Total File History" or "12 Month History" will print in the upper right hand corner of the credit summery depending on the option chosen. From left to right, headers in the first row read as follows: (8)Total number of public records (9)Total number of collection accounts; account with Kinds-Of-Business (KOB) code of "Y". (10)Total number of accounts with a current manner of payment (MOP) 2 or greater. (11)HISTORICAL NEGATIVE: Displayed in tt-iii format. tt=Total number of accounts with an historical MOP 2 or greater. iii=Total number of times MOP 2 or greater rating have historically occurred.  Excludes current MOP. (12)Total number of trades.  TRD value is the sum of RVL, INST, MTG and OPN values. (13)Total number of revolving and/or check credit accounts (Account types "R" and "C"). (14)Total number of installment accounts (Account type "I"). (15)Total number of mortgage accounts (Account type "M"). (16)Total number of open accounts (Account type "O"). (17)Total number of inquiries. From left to right, headers on the second row read as follows: (18)Highest amount every owed on an account. (19)Maximum credit amount approved by credit grantor. (20)Balance owed as of the date verified. (21)Amount past due as of the date verified or closed. (22)From the "TERMS" field on the account; subscriber-reported monthly payment. (23)Percent of credit available for revolving, check credit and open accounts.  Field is calculated by subtracting balance from credit limit divided by credit limit (24)Totals for second row headers are included for: Revolving, Installment, (Mortgage, Open and Closed with Balance accounts not shown on sample report). *Note: Fields with dollar amounts will display K=Thousands, M=Millions. (25)Public Record Public record information is maintained on a consumer's file in compliance with the Fair Credit Reporting Act (FCRA).  This information is obtained from county, state and federal courts and provides notification of: Civil judgements or tax liens reported for the consumer over the past 7 years. Bankruptcies the consumer has filed during the past 10 years. Public record information includes the source, type of public record, date the public record was reported to the credit bureau, any liabilities, the ECOA designator; (see the "codes page" for more details) court location, any assets and the date public record was paid (if applicable).  Also list the docket number, the plaintiff and attorney involved in the case. (26)Collections Identifies consumer accounts that have been transferred to a professional debt-collecting firm. Collection information includes the name of the collection agency providing information, consumer's account number with the collection agency, collector's Kinds-of-Business designator and Trans Union assigned reporting subscriber number (all collection agency subcodes begin with a "Y"), the ECOA designator (see the "codes page" for more details), date the amount was charged off by the original creditor, date the information was verified along with an indicator code (see the "codes page" for more details), date the item was turned over to a collection agency, original dollar amount of collection, the balance owed as of date verified or closed, name of the original creditor, and an explanation of current account status as reported by the collection agency. Trades Provides an on-going historical and current record of the consumer's buying and payment activities. Trades are available sorted by most derogatory followed by date verified and vice-versa. Payment pattern is available displaying either 12 or 24 months. Trade information includes the following: (27)Abbreviated name of credit grantor with whom consumer has an account.(SUBNAME) (28)Consumer's account number with the credit grantor.(ACCOUNT#) (29)ECOA indicated responsibility for paying the account; (see the "codes page" for more details).(ECOA) (30)Credit Grantor's Kinds-Of-Business designator and Trans Union-assigned reporting subscriber number (see the "codes page" for more details).(SUBCODE) (31)Collarteral for an installment loan or type of loan.(COLLATRL/LOANTYPE) (32)Date the account was opened.(OPENED) (33)Date of last activity on the account; (see the "codes page" for more details).(VERIFIED) (34)Date an account was closed or paid out.(CLSD/PD) (35)Highest amount ever owed by the consumer on that account.(HIGHCRED) (36)Maximum amount of credit approved by credit grantor.(CREDLIM) (37)Balance owed as of date verified or closed.(BALANCE) (38)Number of payments, payment frequency, and dollar amount agreed upon.(TERMS) (39)Amount past due as date verified or closed.(PASTDUE) (40)Explanation of dispute or account credit condition, as reported by credit grantor.(REMARKS) (41)Date on which the maximum level of delinquency for that account occurred.(MAXDELQ) (42)Dollar amount of consumer's maximum delinquency and the manner of payment rating at the time.(AMT-MOP) (43)Manner of payment for the last 12 months.(PAYPAT 1-12) (44)Manner of payment for the 12 months preceding those reported under PAYPAT 1-12.(PAYPAT 13-24) a name=45>(45)4 - column display; describing payment history. MO=Number of months reviewed(MO 30/60/90) 30 = Number of times over 30 days late 60 = Number of times over 30 days late 90 = Number of times over 30 days late (46)Type of account (R,I,M,O,C) and manner of payment code at which the account is currently reported; (see the "codes page" for more details).(MOP) (47)Inquiries Displays which companies have viewed the consumer's credit file over the last 2 years.  Includes date the inquiry occurred, inquiring subscriber's Trans Union-assigned account number and name. Available in one or two column display. If two column, inquiries are displayed either left to right or top to bottom, by date. "Report Serviced By" Identifies the Trans Union bureau owning or servicing the credit report.  This information directs consumers to the appropriate location. FIELDS NOT DISPLAYED IN SAMPLE REPORT CONSUMER STATEMENT, when provided, will appear at the bottom of the report. MISCELLANEOUS STATEMENTS may appear at the end of the report to provide relevant information that does not meet criteria for inclusion in other sections. LOOKTM identifies subscriber's name, complete address and telephone number if available for quicker, easier referral. OPTIONAL MODELS AVAILABLE EMPIRICA predicts the likelihood of an applicant becoming delinquent within the next 24 months. NEW DELPHISM predicts the likelihood of an applicant becoming bankrupt within the next 12 months. REWARDSM rank orders delinquent accounts by estimated repayment dollars within 6 months. TIE estimates individual consumer income. PATROLSM measures the likelihood of a consumer carrying required collateral insurance. ASSISTSM rank orders insurance consumers on the basis of the predicted loss ratio range group.