Help Desk

• Personal Information
  Customer information is displayed at the top of the report. Date the report was created, and inquiry date are displayed. To help you verify consumer identification the following information is provided if available:
  
  • Most recent address reported and date reported.
  • Up to three previous addresses, date reported on first previous address.
  • Social Security Number.
  • If available, date of birth and telephone number.
  
  
• Employment
  If available, the most current employer, one previous employer, including addresses, position, income and date employment was verified, reported and/or hired will be provided.
  
  
• 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 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, 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.
  
  
• 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 assigned reporting subscriber number (all collection agency subscriber codes begin with a "Y"), the ECOA designator, date the amount was charged off by the original creditor, date the information 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.
  
  
• Trades: Revolving, Open, Installment, Mortgage, and Overdraft Accounts
  Provides an ongoing 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. Trades may be sorted by descending balance as well. Payment pattern is available displaying either 12 or 24 months.
  Trade information includes the following:
  
  • Abbreviated name of credit grantor with whom consumer has an account.
  • Consumer's account number with the credit grantor.
  • ECOA indicates responsibility for paying the account.
  • Credit Grantor's Kinds-of-Business designator and assigned reporting subscriber number.
  • Collateral for an installment loan or type of loan.
  • Date the account was opened.
  • Date of last activity on the account.
  • Date an account was closed or paid out.
  • Highest amount ever owed by the consumer on that account.
  • Maximum amount of credit approved by credit grantor.
  • Balance owed as of date verified or closed.
  • Number of payments, payment frequency, and dollar amount agreed upon.
  • Amount past due as of date verified or closed.
  • Explanation of dispute or account credit condition, as reported by the credit grantor.
  • Date on which the maximum level of delinquency for that account occurred.
  • Dollar amount of consumer's maximum delinquency and the manner of payment rating at the time.
  • Manner of payment for the last 12 months.
  • Manner of payment for the 12 months preceding those reported under PAYPAT 1-12.
  • 4-column display; describing payment history.
  • MO = Number of months reviewed
  • 30 = Number of times over 30 days late
  • 60 = Number of times over 60 days late
  • 90 = Number of times over 90 days late
  • Type of account (R, I, M, O, C) and manner of payment code at which the account is currently reported
  
  
• Inquiries
  Displays which companies have viewed the consumer's credit file over the last 2 years. Includes date the inquiry occurred, inquiring subscriber's 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.
  
  
• 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.
  
  
• Date and Time (Central)
  The date and time the report was accessed.