|
|
|
|
If
you purchase a credit report it will enable you to see your financial
profile the same way a landlord will. The report consists of four
main sections:
Consumer Identifying Information
,
Profile Summary
,
Trades
and
Inquiries
. To help you decipher the
information in the credit report, we've detailed what each section
consists of. Click any portion of the page at left for a complete
breakdown of all the data in the credit report.
|
|
|
|
|
|
A code which identifies the
Experian or Credit Bureau office
nearest to the consumer's current address. Use for consumer referrals.
|
|
|
|
|
|
|
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,
M=Manual Data, and P=PDS-Experian Proprietary Data Source.
|
|
|
|
|
|
|
Last subscriber
reporting the consumer at their current address.
|
|
|
|
|
|
|
Consumer's previous addresses
with source, in order by reliability of source. Up to two may
display.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
Consumer's
year of birth
or
date of birth.
|
|
|
|
|
|
|
Employer's name and address
including time frame reported and source. U=Update Tape, I=Inquiry.
|
|
|
|
|
|
|
Previous employer's name and address
with time frame reported and source.
|
|
|
|
|
|
|
Alternate names
such as aliases, maiden or previous surnames, or nicknames, associated
with the consumer's life.
|
|
|
|
Profile Summary contains 18 significant calculations from the
Profile report. Optional with PSUM keyword on inquiry or contact
your Experian representative.
|
|
|
Any or all of the following information may appear:
|
|
|
|
|
|
|
Balance date is the date of the subscriber's accounts receivable
tape for open accounts; the date of the last reporter update tape
for accounts with a zero balance that were not provided by a reporter
on each update tape and the date paid for paid accounts.
|
|
|
|
|
|
|
Date of consumer's last payment on the account.
|
|
|
|
|
|
|
The amount of the loan or credit established.
|
|
|
|
|
|
|
Indicates if the amount is an original loan (O), credit limit
(L), high balance (H), initial charge-off (C) or unknown (blank).
|
|
|
|
|
|
|
Current balance on the account.
|
|
|
|
|
|
|
The amount past due for the account.
|
|
|
|
|
|
|
The account condition indicates the state of account.
|
|
|
|
|
|
|
Payment status comments reflect the payment history of the account
as of the balance date.
|
|
|
|
|
|
|
The consumer's payment history during the past 25 months beginning
with the month represented by the balance date. The codes reflect
the status of the account for each month and are displayed for
balance reporting subscribers only.
|
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
|
|
5
|
120 days past the due date
|
|
6
|
150 days past the due date
|
|
7
|
180 days past the due date
|
|
8
|
Bankruptcy Chapter 13 (Petitioned, Discharged, Reaffirmation of
Debt Rescinded)
|
|
|
|
9
|
Derogatory, Chapter 7, 11 or 12 (Petitioned, Discharged, Reaffirmation
of Debt Rescinded)
|
|
G
|
Collection
|
|
H
|
Foreclosure
|
|
J
|
Voluntary Surrender
|
|
K
|
Repossession
|
|
L
|
Charge-off
|
|
B
|
Account condition change, payment code not applicable.
|
|
- dash
|
No history reported for that month.
|
|
Blank
|
No history maintained; see payment status comment.
|
|
|
|
Inquiries indicate that 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.
|
|
