CREDIT REPORT – FOR CREDITOR USE

Inquiry Information: Includes subscriber code, name, market area where the file resides, date the file was created, and inquiry date and time.

FOR

SUB NAME

MARKET SUB

INFILE

DATE

TIME OF ISSUE

Demographic Information: Verifies consumer identification. Includes consumer's name, plus any aliases; current address and date reported; up to two previous addresses, date reported on first previous address; social security number; and if available, date of birth, telephone number, most current employer, one previous employer, including addresses, position, income and date employment was verified, reported and/or commenced.

SUBJECT

SSN

BIRTH DATE

ALSO KNOWN AS

TELEPHONE

CURRENT ADDRESS

FORMER ADDRESS

DATE REPORTED

CURRENT EMPLOYER AND ADDRESS

FORMER EMPLOYER AND ADDRESS

POSITION INCOME

VERF

RPTD

HIRE

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SPECIAL MESSAGES: Highlights specific credit file conditions, including suspected fraud, consumer statement or no subject found.

S P E C I A LM E S S A G E S

***TRANS-ALERT***: A TRANS ALERT message appears when the input address, social security number or surname does not match what is on file; or when a minimum of four inquires have been made against the file within the last 60 days.

***TRANS-ALERT***

***HAWK-ALERT: HAWK messages appear if address, phone number or Social Security number 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 social security number has not been issued by the Social Security Administration or is that of a deceased person as reported by the Social Security Administration.

***HAWK-ALERT

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MODEL PROFILE: Displays unbiased predictive scores to project a consumer's future credit risk. Other scores available estimate income, project recovery dollars and predicts insurance risk.

M O D E L P R O F I L E ***ALERT***

***ALERT*** - appears after model profile heading when MOP (manner of payment) 7 or greater, a negative public record or a collection is present on the file.

***NEW DELPHI ALERT: ***NEW DELPHI predicts the likelihood of an applicant becoming bankrupt within the next 12 months.

***NEW DELPHI ALERT:

SCORE - 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.

SCORE

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CREDIT SUMMARY: Provides a 'snapshot' of all activity on the consumer's credit report. 'Total File History' or '12-Month History' will print in the upper right corner of the credit summary depending on the option chosen.

C R E D I TS U M M A R Y ***T O T A L F I L E H I S T O R Y

PR=1 - Total number of public records.

PR=1

COL=1 - Total number of collection accounts; accounts with a Kinds-Of-Business (KOB) code of 'Y'.

COL=1

NEG=1 - Total number of accounts with a current manner of payment (MOP) 2 or greater.

NEG=1

HSTNET=1-6 - HISTORICAL NEGATIVE: Derived from the payment pattern field. Displayed in tt-iii format.

tt = Total number of accounts with an historical MOP 2 or greater.

iii = Total number of times MOP2 or greater ratings have historically occurred. Excludes current MOP.

HSTNET=1-6

TRD=2 - Total number of trades. TRD is the sum of RVL, INST, MTG and OPN values.

TRD=2

RVL=1 - Total number of revolving and/or check credit accounts (Account types 'R' and 'C').

RVL=1

ISNT=1 - Total number of installment accounts (Account type 'I').

INST=1

MTG=1 - Total number of mortgage accounts (Account type 'M').

MTG=1

OPN=0 - Total number of open accounts (Account type 'O').

OPN=0

INQ=1 - Total number of inquiries.

INQ=1

REVOLVING:
INSTALLMENT:

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

TOTALS:

HIGH CRED - Highest amount ever owed on an account.

HIGH CRED

CRED LIM - Maximum credit amount approved by credit grantor.

CRED LIM

BALANCE - Balance owed as of the date verified.

BALANCE

PAST DUE - Amount past due as of the date verified or closed.

PAST DUE

MNTHLY PAY AVAILABLE - From the 'TERMS' field on the account; subscriber-reported monthly payment.

MNTHLY PAY AVAILABLE

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

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PUBLIC RECORDS: 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 notifications of:

Civil judgments or tax liens reported for the consumer over the past seven years.

Bankruptcies the consumer has filed during the past 10 years.

Public record information, including the source, type of public record, date the public record was reported to the credit bureau, any liabilities, the ECOA designator, court location, any assets and the date the public record was paid (if applicable). Also lists the docket number, the plaintiff and attorney involved in the case.

P U B L I CR E C O R D S

SOURCE
TYPE

DATE

LIAB

ECOA
COURTLOC

ASSETS

DOCKET #
PLAINTIFF/ATTORNEY

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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 number (all collection agency subcodes begin with 'Y'), was verified along with an indicator code, 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.

C O L L E C T I O N S

SUBNAME
ACCOUNT #

SUBCODE

ECOA

OPENED
VERIFIED

CLOSED

$ PLACED
BALANCE

CREDITOR
REMARKS

MOP

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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 or vice-versa.
Payment pattern is available displaying either 12 or 24 months.

T R A D E S

SUBNAME - Abbreviated name of credit grantor with whom consumer has account.

SUBNAME

ACCOUNT # - Consumer's account number with the credit grantor.

ACCOUNT #

ECOA - ECOA indicates responsibility for paying the account.

ECOA

SUBCODE - Credit Grantor's Kinds-of-Business designator and Trans Union assigned reporting subscriber number.

SUBCODE

COLLATRL/LOANTYP - Collateral for an installment loan or type of loan.

COLLATRL/LOANTYP

OPENED - Date the account was opened.

OPENED

VERIFIED - Date of last activity on the account.

VERIFIED

CLSD/PD - Date an account was closed or paid out.

CLSD/PD

HIGHCRED - Highest amount ever owed by the consumer on that account.

HIGHCRED

CREDLIM - Maximum amount of credit approved by credit grantor.

CREDLIM

BALANCE - Balance owed as of date verified or closed.

BALANCE

TERMS - Number of payments, payment frequency and dollar amount agreed upon.

TERMS

PASTDUE - Amount of past due as of date verified or closed.

PASTDUE

REMARKS - Explanation of dispute or account credit conditions, as reported by the credit grantor.

REMARKS

MAXDELQ - Date on which the maximum level of delinquency for that account occurred.

MAXDELQ

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

AMT-MOP

PAY PAT 1-12 - Manner of Payment (MOP) for the 12 most recent months. Payment pattern reads from left to right, with the most recent verified entry on the left of the first line. The pattern then works its way back in time. There are six different characters that may appear in the payment pattern. These are MOP values 1 through 5 and X, which are those reported by the credit grantor. The X is inserted by Trans Union if the following conditions occur:

Automated data was not received from the credit grantor for that month.

The account is reported as disputed by the consumer. In this case, an X is placed in the left-hand (most recent) position and the three next most recent values are changed to an X. This is done to ensure full compliance with the Fair Credit Billing Act (FCBA).

Any MOP other than 1 through 5 was received: for example; 00, UR or UC.

PAY PAT 1-12

PAY PAT 13-24 - Manner of payment for the 12 months preceding those reported under PAY PAT 1-12. (See PAY PAT 1-12 for explanation.)

PAY PAT 13-24

MO 30/60/90 - 4-column display; describing payment history.

MO = Number of months received.
30 = Number of times over 30 days late.
60 = Number of times over 60 days late.
90 = Number of times over 90 days late.

MO 30/60/90

MOP - Type of account (R, I, M, O, C) and manner of payment code at which the account is currently reported.

MOP

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Displays which companies have viewed the consumer's credit file over the last two years. Includes date the inquiry occurred, inquiring subscriber's Trans Union-assigned account number and name.

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

I N Q U I R I E S

DATE

SUBCODE

SUBNAME

DATE

SUBCODE

SUBNAME

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E N D OF C R E D I T R E P O R T - S E R V I C E D B Y:

SERVICED BY: Identifies the TransUnion bureau owning or servicing the credit report. This information directs consumers to the appropriate location.

Review the credit codes in the TransUnion Credit Report Codes table provided here to understand what the specific code means when used in a credit report.