![]() ![]() Civil judgments or tax liens reported for the consumer over the past 7 years.This information is obtained from county, state and federal courts and provides notification of: 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). *Note: Fields with dollar amounts will display K=Thousands, M=Millions. (24) Totals for second row headers are included for: Revolving, Installment, (Mortgage, Open and Closed with Balance accounts not shown on sample report). Field is calculated by subtracting balance from credit limit divided by credit limit (23) Percent of credit available for revolving, check credit and open accounts. (22) From the “TERMS” field on the account subscriber-reported monthly payment. (21) Amount past due as of the date verified or closed. (20) Balance owed as of the date verified. (19) Maximum credit amount approved by credit grantor. (18) Highest amount ever owed on an account. (16) Total number of open accounts (Account type “O”).įrom left to right, headers on the second row read as follows: (15) Total number of mortgage accounts (Account type “M”). (14) Total number of installment accounts (Account type “I”). (13) Total number of revolving and/or check credit accounts (Account types “R” and “C”). (12) Total number of trades. TRD value is the sum of RVL, INST, MTG and OPN values. Iii=Total number of times MOP 2 or greater rating have historically occurred. Tt=Total number of accounts with an historical MOP 2 or greater. (11) HISTORICAL NEGATIVE: Displayed in tt-iii format. (10) Total number of accounts with a current manner of payment (MOP) 2 or greater. (9) Total number of collection accounts account with Kinds-Of-Business (KOB) code of “Y”. “Total File History” or “12 Month History” will print in the upper right hand corner of the credit summery depending on the option chosen.įrom left to right, headers in the first row read as follows:.Available as an option covering either total file history or 12-month file history. ![]() Provides a “snapshot” of all activity on the consumer’s credit report. (7) ***NEW DELPHI SM*** predicts the likelihood of an applicant becoming bankrupt within the next 12 months.(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.These factors are displayed in order based on their relative impact on the final score. Up to four factors are disclosed with EMPIRICA SM, NEW DELPHI SM, PATROL SM and ASSIST SM. (5) Risk score factors are displayed numerically or in text.Other scores available estimate income, project recovery dollars and predict insurance risk. (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.ĭisplays unbiased predictive scores to project a consumer’s future credit risk.(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.Suspected fraud, as indicated by TRANSALERT SM or HAWK SM.Highlights specific credit file conditions that may include: 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.Up to two previous addresses, date reported on first previous address.Consumer’s name, plus any known aliases.Helps you verify consumer identification by providing: 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. Subscriber inquiry information is displayed at the top of the report. Credit professionals know exactly where to look for the information they need. Information and details maintained within your TransUnion SM credit report are presented in a certain order. ![]()
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |