The following quick reference is a sample of a blank credit report. You may use this document as a guide or key to understanding the primary elements of a credit report. Roll your mouse over any blue underlined word to see a description for that section of the credit report. After the credit report table, we have added a table of TransUnion Credit Report Codes to further increase your understanding of how to read a credit report and a link to a PDF file containing three sample credit reports.

CREDIT REPORT – FOR CREDITOR USE

FOR

SUB NAME

MARKET SUB

INFILE

DATE

TIME OF
ISSUE

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

S P E C I A L M E S S A G E S

***TRANS-ALERT***

***HAWK-ALERT

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

***NEW DELPHI ALERT: SCORE

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

PR=1 COL=1 NEG=1 HSTNET=1-6 TRD=2 RVL=1 INST=1 MTG=1 OPN=0 INQ=1

REVOLVING:
INSTALLMENT:

TOTALS:

HIGH CRED

CRED LIM

BALANCE

PAST DUE

MNTHLY PAY AVAILABLE

---

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

SOURCE
TYPE

DATE

LIAB

ECOA
COURTLOC

ASSETS

DOCKET #
PLAINTIFF/ATTORNEY

C O L L E C T I O N S

SUBNAME
ACCOUNT #

SUBCODE

ECOA

OPENED
VERIFIED

CLOSED

$ PLACED
BALANCE

CREDITOR
REMARKS

MOP

T R A D E S

SUBNAME
ACCOUNT #
ECOA

SUBCODE
COLLATRL/LOANTYP

OPENED
VERIFIED
CLSD/PD

HIGHCRED
CREDLIM
BALANCE

TERMS
PASTDUE
REMARKS

MAXDELQ
AMT-MOP

PAY PAT 1-12
PAY PAT 13-24
MO 30/60/90

MOP

I N Q U I R I E S

DATE

SUBCODE

SUBNAME

DATE

SUBCODE

SUBNAME

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:

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.

See Also:
Three Credit Report Samples

Loan Prospector – How To Read A Credit Report

CREDIT REPORT – FOR CREDITOR USE