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TRANS UNION CREDIT REPORT FIELDS
ΠInquiry Information
Subscriber inquiry information is displayed at the top of the report. On every Trans Union Credit Report the inquiring subscriber's Trans Union-assigned code, name, market area where the file resides within the Trans Union system, date the file was created, and inquiry date and time (central time zone) of the inquiry are displayed.
Demographic Information
Helps you verify consumer identification by providing:
• Consumer's name, plus any known aliases.
• Current address and date reported.
• Up to two previous addresses, date reported on first previous address.
• Social security number.
• 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.
Special Messages
Highlights specific credit file conditions that may include:
• Suspected fraud, as indicated by TRANS ALERT or HAWK.
• Presence of consumer statement.
• No subject found.
Ž • A TRANS ALERT 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.
• HAWK messages (optional) appear 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.
Model Profile
Displays unbiased predictive scores to project a consumer's future credit risk. Other scores available estimate income, project recovery dollars and predict insurance risk.
• Risk score factors are displayed numerically or in text. Up to four factors are disclosed with EMPIRICA, NEW DELPHI, PATROL and ASSIST. . These factors are displayed in order based on their relative impact on the final score.
• ***ALERT'*** appears after model profile heading when MOP 7 or greater, a negative public record or a collection is present on the file.
• *** NEW DELPHI *** predicts the likelihood of an applicant becoming bankrupt within the next 12 months.
Credit Summary
Provides a "snapshot" of all activity on the consumer's credit report.
• Available as an option covering either total file history or 12-month file history.
• "Total File History" or "12 Month History" will print in the upper right hand corner of the credit summary depending on the option chosen.
From left to right, headers in the first row read as follows:
Total number of public records.
Total number of collection accounts; accounts with a Kinds-Of-Business (KOB) code of "Y".
Total number of accounts with a current manner of payment (MOP) 2 or greater.
11 HISTORICAL NEGATIVE: Displayed in tt-iii format.
tt = Total number of accounts with an historical MOP 2 or greater.
iii = Total number of times MOP 2 or greater ratings have historically occurred. Excludes current MOP.
12 Total number of trades. TRD value is the sum of RVL, IN ST, MTG and OPN values.
13 Total number of revolving and/or check credit accounts (Account types "R" and "C").
14 Total number of installment accounts (Account type "I").
15 Total number of mortgage accounts (Account type "M").
16 Total number Or Open accounts (Account type "0").
17 Total number of inquiries.
From left to right, headers on the second you read as follows:
18 Highest amount ever owed on an account.
19 Maximum credit amount approved by credit grantor.
20 Balance owed as of the date verified
21 Amount past due as of the date verified or closed.
22 From the "TERMS" field on the account; subscriber- reported monthly payment.
23 Percent of credit available for revolving, check credit and open accounts. Field is calculated by subtracting balance from credit limit divided by credit limit.
24 Totals for second row headers are included for: Revolving, Installment, (Mortgage, Open and Closed with Balance accounts not shown on sample report).
* Note: Fields with dollar amounts will display K = Thousands, M = Millions
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