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25 Public Record

 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:

 26 Civil judgments or tax liens reported for the consumer over the past 7 years.

27 Bankruptcies the consumer has Filed during the past 10 ' years

28 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; (see the "codes page" that follows for more details) 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.

 26 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 Trans Union assigned reporting subscriber number (A collection agency subcodes begin with a "Y'), the ECOA designator (see the "codes page" that follows for more details), date the amount was charged off by the original creditor, date the information was verified along with an indicator code (see the "codes page" that follows for more details), date the item was turned over to a collection agency, original dollar amount of collection, the balance owed as of date verified  (it closed  name of the original creditor, and in explanation of current account status as reported by the collection agency.)

 Trades

 Provides an on-going 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.

•Payment pattern is available displaying either 12 or 24 months.

 Trade information includes the following:

 27 Abbreviated name of credit grantor with whom consumer has an account,

28 Consumer's account number with the credit grantor.

29 ECOA indicates responsibility for paying the account; (see the "Codes page" that follows for more details).

30 Credit Grantor's Kinds-Of-Business designator and Trans Union assigned reporting Subscriber number (see the "codes page" that follows for more details).

31 Collateral for an installment loan or type of loan.

32 Date the account was opened.

33 Date of last activity on the account; (see the "codes Page" that follows for more details).

34 Date an account was closed or paid out.

35 Highest amount ever owed by the consumer on that account

36 Maximum amount of credit approved by credit grantor.

37 Balance owed as of date verified or closed.

38 Number of payments, payment frequency, and dollar amount agreed upon-

39 Amount past due as of date verified or closed.

40 Explanation of dispute or account credit condition, as reported by the credit grantor.

41 Date on which the maximum level of delinquency for that account occurred.

42 Dollar amount of consumer's maximum delinquency and the in inner of payment rating at the time.

43 Manner of payment for the last 12 months,

44 Manner of payment for the 12 months preceding those reported under PAYPAT 1-12.

45  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

46 Type of account (R, 1, M, 0, C) and manner of payment code at which the account is currently reported; (see the "codes page" that follows for more details).

 47 Inquiries

 Displays which companies have viewed the consumer's credit file over the last 2 years. Includes date the inquiry occurred, inquiring subscriber's Trans Union-assigned 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.

 "Report Serviced By"

Identifies the Trans Union bureau owning or servicing the credit report. This information directs consumers to the appropriate location.

  Fields Not Displayed In Simple Report

 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.

 LOOK"' identifies subscriber's name, complete address and telephone number if available for quicker, easier referral.

 Optional Models Available

EMPIRICA®  predicts the likelihood of an applicant becoming delinquent within the next 24 months.

 NEW DELPHI® predicts the likelihood of an applicant becoming bankrupt within the next 12 months.

 REWARD® rank orders delinquent accounts by estimated repayment dollars within 6 months.

 TIE® estimates individual consumer income.

PATROL® measures the likelihood of a consumer carrying required collateral insurance.

 ASSIST® rank orders insurance consumers on the basis of the predicted loss ratio for a score range group.

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