The Experian (TRW) Credit Profile Report
Files on over 190 million credit active consumers nationwide are maintained in the TRW database. Your inquiry initiates a search of this database which produces an applicant's credit history — the TRW Credit Profile report. An illustration and description of a sample Profile report follows.
1. A code, which identifies the TRW or Credit Bureau office nearest to the consumer's current address. Use for consumer referrals.
2. Consumer's name and address including time frame reported and source. Number of subscribers reporting the address via update tape. U= Update Tape, I= Inquiry, and M= Manual Data.
3. Last subscriber reporting the consumer at their current address. Does not include inquiry sources.
4. Consumer's previous addresses with source, in order by reliability of source. Up to two may display.
5. An asterisk preceding any address indicates the address was not entered on inquiry.
6. 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.
7. Consumer's year of birth.
8. Employer's name and address including time frame reported and source. U= Update Tape, I= Inquiry.
9. Previous employer's name and address with time frame reported and source.
10. Alternate names such as aliases, maiden or previous surnames, or nicknames associated with the consumer's file.
11. Demographics: GEO Code of the consumer's current address. Represents the county, census tract and block group. Optional; contact your TRW representative.
12. FACS+ Summary: contains messages related to the FACS+ fraud prevention services. Optional with CHECK keyword on inquiry.
13. Profile Summary contains 17 significant calculations from the Profile report. Optional; contact your TRW representative.
14. Risk model score: generated if you use TRW's credit risk models. Optional with RM keyword on inquiry. May also optionally display score factor code definitions.
15. Public Record information consists of bankruptcies, liens and civil actions against a consumer.
16. Reporting court's name.
17. Original filing date with court.
18. Status date if status is satisfied, released, vacated, discharged or dismissed.
19. Reporting court's number.
20. Amount of public record.
21. Type of public record.
22. Certificate or docket number.
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