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A code which identifies the Experian
or Credit Bureau offic nearest to the consumer's
current address. Use for consumer referrals.(TCA1)
Consumer's name and address
including time frame reported and source. Number of subscribers
reporting the address via update tap. U=Update Tape, I=Inquiry,
M=Manual Data, and P=PDS-Experian Proprietary Data Source.(JONATHAN
QUINCY CONSUMER)
Last subscriber reporting the consumer at their current
address.(LAST SUB: 23904 46)
Consumer's previous addresses with source, in order
by reliability of source. Up to two may display.(1314
SOPHIA LN APT 3)
An asterisk preceding any address indicates the address
was not entered on inquiry.
Consumer's Social Security number and other Social
Security numbers reported on the consumer's file. An asterisk
denotes any SSN not matching the inquiry. Display is in descending
order based on number of occurrences reported.(SS: 548-60-3388)
Consumer's year of birth.(DOB: 1/10/1951)
Employer's name and address including time frame
reported and source. U=Update Tape, I=Inquiry.(E: AJAX
HARDWARE)
Previous employer's name and address with time frame
reported and source.(E: BELL AUTOMOTIVE)
Alternate names such as aliases, maiden or previous surnames,
or nicknames associated with the consumer's file.(JACK
CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR)
Demographics: contains the consumer's telephone including
source and phone type (R=Residential, B=Business, C=Cellular,
P=Pager, T=Pay Telephone, F=FAX, I=Institution), driver's
license number, home ownership status and the GEO code of
the current address.(DEMOGRAPHICS)
FACS+ Summary: contains messages related to the FACS+
fraud prevention services. Optional with CHECK keywork
on inquiry.(FACS+ SUMMARY)
Profile Summary contains 17 significant calculations
from the Profile report. Optional; contact your Experian
representative.(PROFILE SUMMARY)
Risk model score: generated if you use Experian's
credit risk models. Optional with RM keyword on inquiry,
May also optionally display score factor code definitions.(SCORE
SUMMARY)
Public Record information consists of bankruptcies,
liens and civil actions against a consumer.(PUBLIC RECORDS)
Reporting court's name.(SO CALIF DISTRICT COURT)
Original filing date with court.(11-20-92)
Status date if status is satisfied, released, vacated,
discharged or dismissed.(12-01-93)
Reporting court's number.(3011111)
Amount of public record.($12,450)
Type of public record.(CO LIEN REL)
Certificated or docket number.(C#: 45078321)
Code describing the consumer's association to the
public record item per the Equal Credit Opportunity Act.(1)
Book and page number(BP: B476P2109)
Plaintiff name.(PLAINTIFF: ALLIED COMPANY)
Liability and assett amounts for bankruptcies
only.($100,000-L)
Volundary indicator only. May display as VOLUN or
INVOL.(VOLUN)
An asterisk preceding public record information or
a tradeline indicated that information may need further review.
Reporting subscriber's name(MOUNTAIN BK)
Reporting subscriber's number(1119999)
KOB (Kind of Business Code) describes a subscriber's
business. The first letter designates an industry. The second
character more narrowly defines a subscriber's business.(BI)
Type of account.(SEC)
Terms of account.(60)
Code describing consumer's association to the account
per the Equal Credit Opportunity Act.(2)
Consumer's account number(3562A0197325346R12345>>3562A019732534)
Date the account was opened(3-93)
Balance date is the date of the subscriber's accounts
receivable tape for open accounts; the date of the last reporter
update tape for the accounts with a zero balance that were
not provided by a reporter on each update tape and the date
paid for paid accounts.(5-17-96)
Date of consumer's last payment on the account.(4-96)
The amount of the loan or credit established.($43,225-)
Indicates if the amount is an original loan (O),
credit limit (L), high balance (H), initial
charge-off (C) or unknown (blank)(O)
Current balance on the account.($19,330)
Payment amount the consumer is sccheduled to pay
on the amount.($956)
Payment level date: the date the account first reached
the present status level.(5-96)
The amount past due for the account.($956)
The account condition indicates the state of account.(OPEN)
Months reviewed indicates the total number of months
history has been maintained for the account.((39))
Maximum delinquency and payment code are the
most recent date and code of the worst status beyond the 25-month
payment history.(2-94/1)
Payment status comments reflect the payment history
of the account as of the balance date.(30 3 TIMES)
The consumer's payment history during the past 25
months beginning with the month represented by the balance
date. The codes reflect thes status of the account for each
month and are displayed for balance reporting subscribers
only.(1CCCCCC1CCCCC)
| C |
Current |
| N |
Current account/zero balance--no update tape received. |
| 0 |
Current account/zero balance--reported on update tape. |
| 1 |
30 days past the due date |
| 2 |
60 days past the due date |
| 3 |
90 days past the due date |
| 4 |
120 days past the due date |
| 5 |
150 days past the due date |
| 6 |
180 days past the due date |
| 7 |
Making regular payments or paid under wage earner
plan or similar arrangements. |
| 8 |
derogatory, e.g. repossession, foreclosure. |
| 9 |
derogatory, e.g. collection, charge off. |
| B |
Account condition change, payment code not applicable |
| -(Dash) |
No history reported for that month. |
| Blank |
No history maintained; |
Two amounts may display. Indicates the account was a $1,400
(L)imit and the (H)ighest balance was $1,200($1,400-L
$1,200-H)
Monthly payment estimated, indicated by the 'E' directly
after the monthly payment amount, calculated by Experian based
on reporter's formula. A scheduled monthly payment is indicated
if there is no 'E'.(E)
Special comments reported by a subscriber or consumer
to distinguish accounts which may require special handling.(**ACCOUNT
WAS IN DISPUTE-NOW RESOLVED-REPORTED BY SUBSCRIBER**)
Indicates the consumer's collateral against this account.
Balloon payment information (date and $ amount), 'sold to'
creditor name or the original credit grantor name for third
party collection agency tradelines may appear, if provided
by a subscriber.(COLLATERAL: 1994 FORD TAURUS)
Inquiries: indicate a Profile report was received
on that date by the subscriber listed. Inquiring subscriber
name, number and KOB are shown. Type, terms and amount may
display and are from the subscriber's inquiry input.(INQUIRIES)
The messages section may include general consumer
statements, informational or other special messages. Consumer
statements relating to a tradeline or public record item appear
directly after the item.(MESSAGES)
Name, address and telephone number of Experian office
or Credit Bureau nearest to the consumer's current address.
Use for consumer referrals. Display is elective; contact your
Experian representative.(CONSUMER ASSISTANCE CONTACT:
EXPERIAN
701 EXPERIAN PARKWAY, PO BOX 949, ALLEN, TX 75013-0000
800.682.7654)
Inquiry Information
Subscriber Number and Password
(3122250X1J)
Consumer's Name
(CONSUMER,JONATHAN QUINCY)
Social Security Number
(548603388)
Spouse Name and Social Security Number
(SMITH/NANCY CHRISTINE 526102333)
Telephone Number
(PH-714.555.1111)
Driver's License Number
(DL-CA 9876543)
Current Address
(CA-10655 NORTH BIRCH STREET/BURBANK CA 91502)
Previous Address
(PA-1314 SOPHIA LANE APT #3/SANTA ANA CA 92708-5678)
Year of Birth
(Y-1951)
Type Terms and Amount
(T-04048060)
Employment
(E-AJAX HARDWARE/2035 BROADWAY SUITE 300/LOS ANGELES CA
90019)
Permissible Purpose Reminder:
To ensure compliance with the Fair Credit Reporting Act, reasonable
care should be taken to input accurate identification belonging
to the consumer when requesting services.
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