1st Page Header of the Credit Report
File # to be used when calling us for questions concerning a specific report, Ordering information such as
Client, Client Address, Date ordered and Requestor
This is the information entered into the Credit Report system, via the Web or by our Customer Service Rep. Always check for errors in the information entered in this section if no credit information is returned.
View Credit Interpretation PDF
View Credit Report Codes
Credit Bureau Report
Scores – Please see the supplied document on Credit Scoring. Credit Summary: A quick interpretation of the Total credit trade lines on the report Financial Summary: A calculated summary of payments, balances, and past due information, sorted by Type of account; (i.e.)
- Mortgage: Mortgage Payment
- Installment: Same monthly balances such as Car loans.
- OPEN: Paid in full monthly balances such as AMEX, Utilities
- Revolving: Percentage paid balances, such as Credit Cards
- Edu: Education / School loans The Proposed Rent Section is populated if you use our Tenant Score Card Product.
Personal Information Comparison: Previous address listed at the credit bureau level, also Date of Birth and SSN. AKA – Also Known As: Represents variations in the name such as John, Johnnie, Jonathan Address Comparison: Previous Addresses for your Applicant listed at the bureau level Employment Comparison: Previous Employment list at the bureau level (rarely up to date)
Creditor: is the account holder/company name reporting
Opening Date/ Months Reviewed: When this account was opened
Reported Date: is when this account was last updated to the bureau
High Credit: Reflects the Amount available to the consumer or the most the account has been extended
Balance: Balance currently owing
Past Due Amt: The amount currently outstanding
Historical: The amount of time the account has gone 30,60 or 90 days late
Type Terms: Denotes: Mortgage, Installment, Revolving Open. Also the loan term in months, and payment amount
Present Status: the status of the account
As Agreed- The account is paid on time Delinq30, Delinq60.
Delinq90: Denotes account as 30, 60, 90 days late
Bankruptcy: Denotes the account was included in a Bankruptcy
Collection: The account is in collections / over 120 days late.
ECOA Codes: ECOA KEY: B = BORROWER; C = CO-BORROWER; S = SHARED; J = JOINT; U = UNDESIGNATED; A = AUTHORIZED USER
Late Date: If the account has been late, (if available) specific late dates are noted as to when the infraction occurred.
Remarks: The type of account/ original creditor
Judgments, Liens, Bankruptcies. The Status is the most important part of this section. Check to see if it is satisfied (paid) if not satisfied, it is still owed
Any time a credit is pulled an “inquiry” is placed on the credit report. This will tell you who and when looked at this credit report and possibly extended credit to the applicant.
This will show on consumer statements that are placed on the credit report. (i.e.) Victim of Fraud
The Credit bureau that this report came from
Is the contact information for the credit bureau (s)
ECOA Inquiry and Account Designators
A = Authorized user of the shared account. Does not have responsibility for the account.
B = On behalf of another person. The subject has financial responsibility for an account which is used exclusively by another person.
C = Co-maker contractual liability
I = Individual account for sole use of customer
J = Joint contractual liability
M = Account for which subject is liable, but co-signer has liability if the maker defaults.
P = Participant in shared account which cannot be distinguished as C or A
S = Account for which subject is co-signer and becomes liable if maker defaults.
T = Relationship with account terminated.
U = Undesignated, or unknown.
X = Deceased
Z = Creditor reports as included in a bankruptcy