Consumer Credit Report User Guide
Contents
1. Identification 8 Unique Number 9 File Number 10 Date File Opened 11 Date of Last Activity 12 DOB 1234567899 00 00000000 00 000 CCYY MM DD CCYY MM DD CCYY MM DD 13 SIN 999 999 999 13B Consumer Statement 14 Name 15 Current Address TEST FILE EQUIFAX 5650 YONGE STREET TORONTO ON M2M 4G3 CCYY MM STS Reported 10 SHEPPARD TORONTO ON M2B 6S1 Since CCYY MM Reported Tape Reported 19 2nd Former Address 2314 11 TH AVE 1201 TORONTO ON M4W 3C1 Since CCYY MM 16 Since 17 Reported 18 Former Address Reported 20 AKA Also Known As Tape Reported PRETEND FILE EQUIFAX Telephone 21 Telephone 555 555 1234 EXTN Residential Home CCYY MM DD CCYY MM DD Date first reported Date last received Inquiries 22 Subject shows 3 inquiries since CCYY MM DD 23 Member Inquiries Date Member Name CCYY MM DD ABC BANK CCYY MM DD RETAIL WORLD CCYY MM DD CANADA CAR LOANS CCYY MM DD MORTGAGE WORLD 24 Total Number of Inquiries 25 Foreign Bureau Inquires Date Member No City CCYY MM DD INTLUSA 401BB17978 Telephone 222 555 3333 555 555 1234 555 999 0000 000 555 0987 Description ABC CREDIT IDENTIFICATION SECTION 8 9 10 11 12 13 Unique Number Reference number for consumers regarding their own file File Number for internal use only Date file was established Date of last activity on file Date o2. Employment Information 26 Current Employer TESTS MECHANIC SHOP 27 Since Left Position Salary OWNER 28 Former Employer ABC MECHANICS subject start date left date and salary Since Left Position Salary AUTO MECHANIC 28 Former Employer Company name of 29 Second Former Employer THE CAR SHOP previous employer Since Left Position City Province TOR ON Salary Occupation of subject start date Since Left Position Salary CCYY MM CCYY MM MECHANIC JR 1900 left date and salary Verified CCYY MM 29 Second Former Employer company name of second previous employer Since Left Position Salary Occupation of subject and date of verification 30 Summary Pub Other Trade Oldest Newest Total High Credit Rating 4 CCYY MM DD CCYY MM DD 3 2800 28000 1 One 1 Two 1 Other 31 Public Records Other Information 32 Information from the Superintendent of Bankruptcy Filed Type Court Name Court No Liab Asset Filed by Subject CCYY MM DD BKRPT MIN OFATTORNEY GEN 472VF00022 280000 480 IND Case No Trustee 22855 MORRIS ETAL Discharged CCYY MM Bankrupt Absolute Discharge Disposition Description 33 Collection Rptd Type Amt DLA Bal Reason CANADA COLLECTION 481YC00036 CCYY MM Unpaid 2900 Ledger Number CCYY MM 2212 Unknown 1111111 CCYY MM 55555 ABC RETAIL INC Subject disputes this account Verified Date Acct Creditor Description 30 Pub Other Number of Public Records or Other informa
3. Guide intended for information purposes only Equifax is a registered trademark of Equifax Canada 2012 Equifax Canada All rights reserved Brows E 09 12 INFORM 2 ENRICH EMPOWER Consumer Credit Report User Guide INFORM ENRICH EMPOWER Consumer Credit Report Sa m p je Re p 0 rt Please see format specific user guides for system to system outputs CONSUMER CREDIT FILE 1 1 800 465 7166 2 CCYY MM DD 3 File Requested by JDOE Identification Name TEST FILE EQUIFAX Current Address 5650 YONGE STREET TORONTO ON M2M 4G3 Previous Address 110 SHEPPARD AVE EAST TORONTO ON M2B 6S1 Date of Birth CCYY MM DD SIN 999 999 999 Reference JDOE Employment Employer Occupation TESTS MECHANIC SHOP OWNER 4 Subject 1 Alert Score Identification Inquiries Employment Summary Public Records Banking Consumer Statement or Alert I Consumer Alert 5 Warnings _ Invalid Social Insurance Number 6 SAFESCAN SF 9 Possible True Name Fraud 7 Product Score Equifax Risk Score 609 Serious delinquency and public record or collection filed Time since delinquency is too recent or unknown Number of accounts with delinquency Medium Risk Region Subprime Credit File Bankruptcy Navigator Index 230 Age of derogatory public records Average age of retail trades Number of recent inquiries Identification 8 Unique Number 1234567899 9 File Number 00
4. See Trade Information Descriptions and Manner of Payment for detailed rating descriptions Credit Limit Maximum credit amount assigned to the credit product High Credit Highest amount ever owed on the product Balance Amount owed at time of reporting PMT AMT Actual dollar amount of most recent payment by the consumer PMT TERMS Frequency of required payments to be made by the consumer Past Due Past due amount as of date reported WRTN OFF AMT Actual dollarm amount written off by the credit grantor ACT PMT AMT Actual last payment amount by the consumer DT Closed Date of closure of the account FRST DELQ Date of first payment delinquency by the consumer MEM ID Equifax Member number PREV MEM ID Previous Equifax Member number Description Provides additional information about the account Trade Payment Profile Numeric summary of up to 36 months of previous ratings Read left to right recent rating to historical ratings Mortgage Trade line Industry code is displayed Example BB mortgage issuer name date opened are masked 37 Credit Utilization Provides the percentage of all available credit that is currently utilized by the consumer as of report date total of current balances owed divided by total credit limits The total of all open credit limit amounts and all open account balances are also displayed Available to internet customers only
5. IND Individual Bus ID Code Company name telephone member INQS Inquiries number IN VOL Involuntary CA Current address INVER Indirectly verified CASE NO Case number J Joint CCYY MM DD Year Month Day JUDG Judgment CDC Consumer debt counseling LEFT Date left employment CHKAC Chequing account LIAB Liabilities amount CRCLD Court consolidation LWR Lawyer Credit Limit Maximum credit amount assigned to the MATURE Date of maturity credit product MEM ID Equifax Member number CRT Update by in house operator Mortgage DAPA Debtor assistance pool account Trade line Industry code is displayed Example BB DEF Defendant mortgage issuer name date opened are Description Provides additional information about the masked account NSF Non sufficient funds DIS Dispute following resolution NV Not Verified DLA Date of last activity by the consumer PD Date paid DN Death notice Past Due Past due amount as of date reported DT OPND Date account was opened with the PMT AMT Payment Terms credit grantor R O I L C M Portfolio Types DT Closed Date of closure of the account DT RPTD Date item was reported to Equifax PREV MEM ID Previous Equifax Member number PR BK Proposal under bankruptcy PR OI Public records or other information RPTD Date reported RT Type of account and manner of repayment Current rating SAVAC Savings account SECLN Secured loan SINCE Date file was established SPECL Special notice item SSS Socia
6. or not more than three payments past due R Revolving or option open end account 0 Too new to rate approved but not used 0 Open account 30 days or 90 days 1 Pays or paid within 30 days of payment due date or not over one payment past due l Installment fixed number of payments 2 L Lease Account 3 C Line of Credit 4 Pays or paid in more than 90 days from payment due date but not more than 120 days or four payments past due M Mortgage 5 Account is at least 120 days overdue but is not yet rated 9 7 Making regular payments under a consolidation order or similar arrangement 8 Repossession voluntary or involuntary return of merchandise 9 Bad debt placed for collection skip account GLOSSARY Key words are specific abbreviations in various sections of EMP the credit file Please use this list to interpret the abbreviations when you see them E2 Subject s second former Employment FA Former address Date employed Employment subject ACC Account number FAD File activity date ACT PMT AMT Actual last payment amount by the FN File number or former name depends on line consumer FORCL Foreclosure AGE Age of subject FRST DELQ Date of first payment delinquency by the AKA Also known as consumer B Both FS Date file was established Balance Amount owed at time of reporting High Credit Highest amount ever owed on the product BDS Birth date Subject ID Identification information BKRPT Bankruptcy
7. 00000000 00 000 10 Date File Opened CCYY MM DD 11 Date of Last Activity CCYY MM DD 12 DOB CCYY MM DD 13 SIN 999 999 999 13B Consumer Statement 14 Name TEST FILE EQUIFAX 15 Current Address 16 Since CCYY MM 17 Reported STS Reported 18 Former Address 110 SHEPPARD TORONTO ON M2B 6S1 5650 YONGE STREET TORONTO ON M2M 4G3 Since CCYY MM Reported Tape Reported 19 2nd Former Address 2314 11 TH AVE 1201 TORONTO ON M4W 3C1 Since CCYY MM Reported Tape Reported 20 AKA Also Known As PRETEND FILE EQUIFAX Telephone 21 Telephone 555 555 1234 EXTN Residential Home Date first reported CCYY MM DD Date last received CCYY MM DD Inquiries 22 Subject shows 3 inquiries since CCYY MM DD 23 Member Inquiries Date Member Name Telephone CCYY MM DD ABC BANK 222 555 3333 CCYY MM DD RETAIL WORLD 555 555 1234 CCYY MM DD CANADA CAR LOANS 555 999 0000 CCYY MM DD MORTGAGE WORLD 000 555 0987 24 Total number of inquiries 28 25 Foreign Bureau Inquiries Date Member CCYY MM DD ABC CREDIT Description 372DC00000 Employment Information 26 Current Employer TESTS MECHANIC SHOP 27 Since Left Position Salary OWNER 28 Former Employer ABC MECHANICS Since Left Position Salary AUTO MECHANIC 29 Second Former Employer THE CAR SHOP City Province TOR ON Since Left Position Salary CCYY MM CCYY MM MECHANIC JR 1900 Verified Status CCYY M
8. 3600 Description Security Disposition Unknown 35 Judgment CourtName Amt Status Date 481VC00297 4800 Filed Type CCYY MM JDGT Defendant Test File Equifax Case No 5555502 Plaintiff NATIONAL CREDIT HOUSE Description Disposition Unknown Trade information and descriptions Portfolio Types Manner of payment North American Standard account ratings 34 Financing Statement A chattel mortgage registered loan or registered lien is a loan where the debtor has given personal property as collateral and the loan is registered with the provincial government under PPSA This is not derogatory information Secured loans are not extended in the province of Quebec Date reported name of reporting government agency member number of reporting agency maturity date of the loan name and address of creditor amount of loan Description of loan status 35 Judgments A court order against a debtor for payment of monies owing date judgment granted or date filed judgment status ST JD satisfied judgment JDGT judgment Court identification number name of court amount of judgment defendant judgment number plaintiff status of judgment satisfied unsatisfied or disposition unknown and date when applicable Pays or paid in more than 30 days from payment due date but not more than 60 days or not more than two payments past due Pays or paid in more than 60 days from payment due date but not more than 90 days
9. FRAUD FRAUDULENT CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME IF YOU ACCESS THIS FILE AS PART OF A CREDIT CHECK PLEASE VERIFY WITH THE CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT PHONE 000 555 1234 L5F Chequing Saving 38 BANKING INFORMATION SECTION Type of account name and telephone number of institution date item was reported to Equifax Type of account customer s member number date account was opened with credit grantor balance of account approximate range additional information on account Ex L4F low 4 figures 1 2K H5F high 5 figures 670K 99K 39 CONSUMER STATEMENT Rptd Purge Date reported and date information will be deleted At the request of the consumer EFX will add one of the following to the file True Name Fraud Identity Verification Alert Consumer Statement Consumer is a true victim of fraud Consumer has not been a victim of fraud cautionary alert added available to Ontario and Manitoba residents only Statement provided by the consumer in order to explain items information on file EQUIFAX 36 TRADE INFORMATION Bus ID Code Company name telephone member number DT RPTD Date item was reported to Equifax DT OPND Date account was opened with the credit grantor DLA Date of last activity on the account by the consumer TR Number of times the credit grantor has reported an account update RT Type of account and manner of repayment
10. M All available fields are returned on the credit file however may not be populated if the information is not supplied to Equifax 30 Summary Pub Other Trade Oldest Newest Total High Credit Rating 4 CCYY MM DD CCYY MM DD_ 3 2800 28000 1 One 1 Two 1 Other 31 Public Records Other Information 32 Information from the Superintendent of Bankruptcy Filed Type Court Name Court No Liab Asset Filed By CCYY MM DD BKRPT MIN OF ATTORNEY GEN 472VF00022 280000 480 Subject IND Case No Trustee 22855 MORRIS ETAL Disposition Discharged CCYY MM Description Bankrupt Absolute Discharge 33 Collection Rptd Type Amt DLA Bal Reason Ledger Number CANADA UP CL 481YC00036 COLLECTION PD CL CCYY MM DD Unpaid 2500 CCYY MMDD 2212 Unknown 1111111 Verified Date CCYY MM Acct Creditor 55555 ABC RETAIL INC Description Subject disputes this account 34 Financing Statement Filed Court Name Court No Maturity CCYY MM DD CENT REG TOR 481VC00214 CCYY MM DD Creditor Amt FURNITURE HOUSE 99 ELLIS AVE TOR 3600 Description Security Disposition Unknown 35 Judgment Filed Type Court Name Amt Status Date CCYY MM DD JDGT 481VC00297 4800 Defendant Test File Equifax Case No 5555502 Plaintiff NATIONAL CREDIT HOUSE Description Disposition Unknown 36 Trade Information Member Trades Bus ID Code DT Rptd DT Opnd DLA TR RT Credit Limit High Credit Balance PMT AMT Past Due WRTN OFF AMT ACT PMT AMT DT Closed F
11. RST DELQ MEM ID PREV MEM ID CANADA BANK 555 999 9999 481BBO00000 J 007BB01351 CCYY MM DD CCYY MM DD CCYY MM DD 21 R1 28000 24000 4000 550 0 Account Number 8452675 Description Personal Loan Semi Monthly Payments Trade Payment Profile 111111111111111111111111 BB CCYY MM DD CCYY MM DD M1 325000 212000 156200 1250 Description Second mortgage Months reviewed is greater than 24 Trade Payment Profile 111111111111111111111111 SMARTSHOP RETAIL 555 999 9999 723DC00000 CCYY MM DD Status Lost or stolen card 37 Credit Utilization 22 30800 6776 38 Banking Checking Saving Rptd Opnd Amount Account No Account Type ABC BANK 001BB05697 999 999 9999 CCYY MM DD CCYY MM L5F Chequing Saving NB NSF Status 4 NSF CCYY MM 39 Consumer Declaration Rptd Purge CCYY MM CCYY MM Declaration WARNING CONFIRMED TRUE NAME FRAUD FRAUDULENT CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME IF YOU ACCESS THIS FILE AS PART OF A CREDIT CHECK PLEASE VERIFY WITH THE CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT PHONE 000 555 1234 End of Report CONSUMER CREDIT FILE 1 1 800 465 7166 2 CCYY MM DD 3 File Requested by JDOE a o identification 4 Subject 1 Alert Score Identification Inquiries Name TEST FILE EQUIFAX Employment Summary Public Records Banking Current Address 5650 YONGE STREET TORONTO Consumer Statement or Alert ON M2M 4G3 Previous Add
12. f birth or age of Subject CCYY MM DD SIN Social Insurance Number will only display if provided on input and corresponds with the SIN on file 13B Consumer Statement Indicates declaration or alert 14 15 16 17 18 19 20 21 on file refer to section 10 line 39 Subject name Current address Since Date the address was first reported to the file Reported Indicates how the information was reported to EFX STS direct link customer Tape electronic reporting customer DAT Direct Access Terminal Former address Previous address of subject Second former address AKA or ALSO KNOWN AS The credit report contains all information under the names provided combined reports Telephone Maximum 3 iterations of telephone extension including type home business cellular date first reported to EFX date last received at EFX INQUIRIES SECTION 22 Alert message appears if there have been three or more inquiries within the past 90 days 23 Date and member name of inquiries in the past 36 months Member phone number will display for inquiries in past 12 months 24 Total Number of Inquiries Total number of inquiries since file was established 25 Foreign Bureau Inquires Date Member number and name of inquiring customers EQUIFAX EMPLOYMENT SECTION 26 Current Employer Company name of most recently reported employer 27 Since Left Position Salary Occupation of
13. l insurance subject STJD Satisfied judgment STS System to system customer TR Number of times the credit grantor has reported an account update Trade Payment Profile Numeric summary of up to 36 months of previous ratings U Unknown UN Unique file number UPCL Unpaid collection VER Date verified VLDEP Voluntary deposit VOL Voluntary WRTN OFF AMT Actual amount written off by the credit grantor XX Automatic file combine 36 Trade Information Member Trades Bus ID Code DT Rptd DT Opnd DLA TR Credit Limit High Credit Balance MT AMT Past Due FRST DELQ WRTN OFF AMT ACT PMT AMT DT Closed MEM ID PREV MEM ID CANADA BANK 555 999 9999 481BBO00000 J 007BB01351 CCYY MM DD CCYY MM DD CCYY MM DD 28000 24000 4000 990 Account Number 8452675 Description Personal Loan Semi Monthly Payments Trade Payment Profile 111111111111111111111111 BB CCYY MM DD CCYY MM DD 325000 212000 156200 1250 Description Second mortgage Months reviewed is greater than 24 Trade Payment Profile 111111111111111111111111 SMARTSHOP RETAIL 555 999 9999 723DC00000 CCYY MM DD Status Lost or stolen card 37 Credit Utilization 22 38 Banking Checking Saving DT Rptd DT Opnd 30800 67 6 Amount Account No Account Type ABC BANK 001BB05697 999 999 9999 CCYY MM CCYY MM 4 NSF CCYY MM NSF Status 39 Consumer Statement Rptd Purge CCYY MM CCYY MM Statement WARNING CONFIRMED TRUE NAME
14. ress 110 SHEPPARD AVE EAST 4 SUBJECT 1 sections of the current file that are TORONTO ON M2B 6S1 populated and displayed Date of Birth CCYY MM DD SIN 999 999 999 Reference JDOE Employment Employer Occupation TESTS MECHANIC SHOP OWNER 1 CONSUMER REFERRAL TELEPHONE NUMBER Consumers to be provided referral telephone number for Equifax as required 2 Date of file request by the member 3 INQUIRY DATA Data submitted to EFX by the member to request the file Consumer Alert 5 Warnings Invalid Social Insurance Number 6 SAFESCAN Possible True Name Fraud 7 Product Score Equifax Risk Score 609 Serious delinquency and public record or collection filed Time since delinquency is too recent or unknown Number of accounts with delinquency Medium Risk Region Subprime Credit File Bankruptcy Navigator Index 230 Age of derogatory public records Average age of retail trades Number of recent inquiries 5 CONSUMER FILE ALERT Information input on inquiry does not match file or is invalid 6 SAFESCAN WARNING Fraud alert message warns you of potential application fraud Available only to SafeScan subscribers 7 SCORES AND REASON CODES A risk score accompanied by up to three reason codes and score card indicator Provides details on what information on file had a negative impact on the score even if minimal impact Available only to risk score subscribers Consumer Credit Report
15. tion Trade Oldest Newest Oldest trade open date most recent trade reporting date Total Total number of trades on the file High Credit High credit range of trades on file Rating for R O I L C M R Revolving account 0 Open account Installment account L Lease Account C Line of Credit M Mortgage 31 PUBLIC RECORDS OR OTHER INFORMATION Information obtained from Public Court Records 32 Bankruptcies Bankruptcy Category A person legally declared to be unable to pay debt date filed type of action IND for personal BUS for business court name court code liability assets filer subject spouse or both case number trustee disposition and description of the bankruptcy Segment may contain non bankruptcy information including Orderly payment of debt or Credit Counselling 33 Third party collections A debt which a creditor is unable to collect transfers to a third party name of collection agency collection agency member number reported date type of collection UP CL unpaid collection or PD CL paid collection original debt amount date of last activity with credit grantor balance as of date reported reason ledger number verified date Credit grantor and account number description Includes collections related to Family Responsibility Consumer Credit Report 34 Financing Statement Filed Court Name Court No Maturity CCYY MM CENT REG TOR 481VC00214 CCYY MM Creditor Amt FURNITURE HOUSE 99 ELLISAVETOR
Download Pdf Manuals
Related Search