Consumer's payment history during the past 25 months beginning with the month represented by the balance date. Months reviewed indicates the total number of months history has been maintained for the account. The following codes reflect the status of the account for each month and are displayed for balance reporting subscriber 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        4-   120 days past the due date

5-   150 days past the due date      6-   180 days past the due date

7-   Wage Earner Plan, Chapter 13 Bankruptcy (Petitioned, Discharged, Reaffirmation of debt rescinded)

8-   Derogatory, e.g. foreclosure proceeding, deed in lieu, repossession, voluntary surrender

9-   Collection, Chargeoff, Insurance Claim, Chapter 7, 11 or 12 Bankruptcy (Petitioned, Discharged, Reaffirmation of debt rescinded)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

Demographics (optional)

Demographics contains the consumer's telephone number (including source and phone type: R=Residential; B=Business; C=Cellular; P=Pager; T=Pay Telephone; F=Fax; I=Institution), driver's license number, home ownership status and the GEO code of the current address.

Fraud Shield, FACS+ Summaries (optional)

Fraud shield summary contains messages related to the Fraud Shield fraud prevention services. FACS+ identifies potential fraudulent activity by various alerts. Optional with CHECK keyword on inquiry or contact your Experian sales representative.

Profile Summary (optional)

Profile Summary contains 17 significant calculations from the Credit Profile report. Optional with PSUM keyword on inquiry or contact your Experian sales representative.

Credit Trends Summary (optional)

Credit Trends summary provides up to 24 months of historical balance and credit utilization information on a consumer's revolving installment and mortgage accounts. Optional with HBIS keyword on inquiry or contact your Experian sales representative.

Scoring (optional)

Risk model scores are generated if you use Experian's credit risk models. Optional with RM-keyword on inquiry or contact your Experian sales representative. May also optionally display score factor code definitions.

Public Records

Public record information consists of bankruptcies, liens and civil actions against a consumer.

• Original filing date with court
• Amount of public record
• Type of public record
• Plaintiff's name
• Status date if status is satisfied, released, vacated, discharged or dismissed
• Certificate or docket number
• Reporting court's name
• Reporting court's number

Reminder: To ensure compliance with the Fair Credit Reporting Act, reasonable care should be taken to input accurate identification belonging to the consumer when requesting services.

Tradelines

Trade Lines are presorted by type. If desired, they can be ordered by descending balance or most derogatory status within the account types. A highlighted tradeline indicates that information needs further review. Any or all of the following information may appear if provided by a subscriber:

• Reporting subscriber's name
• Consumer's account number
• Reporting subscriber's number
• KOB (Kind of Business Code) describes a subscriber's business. The first letter designates an industry. The second character more narrowly defines a subscriber's business.
• Payment status comments reflect the payment history of the account as of the balance date
• Special comments reported by a subscriber or consumer to distinguish accounts which may require special handling
• Payment level date is the date the account first reached the present status level
• Code describing consumer's association to the account per the Equal Credit Opportunity Act
• The account condition indicates the state of account
• 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 the account was opened
• Date of consumer's last payment on the account
• Amount of the loan or credit established
• Two accounts may display. Indicates the dollar amount has a $ (L)imit and the $ (H)ighest balance. Also indicates if the amount is an original loan (O), initial charge-off (C) or unknown (blank)
   

• Payment amount the consumer is scheduled to pay on the account; may also be estimated as calculated by Experian based on reporters formula
• Terms of account
• Current balance on the account
• The amount past due for the account
   

Inquiries Inquiries indicate that a Credit 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.

Messages The messages section may include general consumer statements, informational or other special messages. Consumer statements relating to a tradeline or public record item appear directly after the item.

Consumer Assistance

The Name, address and telephone number of Experian Consumer Assistance office or Credit Bureau nearest to the consumer's current address. Use for consumer referrals. Display is elective; contact your Experian sales representative.

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Experian Credit Report Format If you need special formatting, credit scoring, or decision rules, the MERit Credit Engine can provide Experian credit results in database tables or as XML, but it can also provide human-readable credit reports to your application in the standard Experian layout.  Experian format is illustrated and described below. Experian Layout 1. Inquiry Data  Shows the request data including operator initials, consumer name, SSN, current address, and keywords. 2. Report Header.   Appears at the top of reports to identify the operator, a user reference (if provided) and the  timestamp. 3. The consumer's name and address, as known to Experian.  (An asterisk may indicate an address discrepancy.) 4. Social security number. May include other numbers the consumer has  used,  or an  erroneous SSN   reported by creditors. 5. Employment history includes employers and dates reported. 6.  RPTD indicates when the address was reported. LAST SUB is the last  Experian subscriber reporting it.  A former address is often included. 7.  Date of Birth. 8. Aliases and AKA names. A maiden name may appear here, as well as nicknames, typing errors, and data input variations. 9. Demographics (Experian option.) PH - Phone number, coded for source and type. DL - Drivers license.  HM - Homeowner or renter. 10. Fraud Shield Summary (Experian option, formerly FACS+) warns you of potentially fraudulent or inconsistent information based on the inputted address, date of birth, phone number, drivers license and Social Security number. 11. Profile Summary (Experian option.) CNT shows the count of 30, 60, 90, and 7-year total derogatory trade items. PAST DUE AMT is the total of past due amounts. NOW DEL/DRG is how many accounts show current derogatory status. OLD TRADE indicates credit experience, based on the oldest account. 12. Risk Models (Report option or bureau preset.)   FICO or other credit scores appear here, along with the most significant Score Factors (reason codes) for the particular consumer. 13. Public Records may include bankruptcy, judgments, tax liens, etc.  Line 1 shows court name, filing date, status date, court code, amount, and type of public record. Line 2 shows reference number, ECOA code and plaintiff. Line 3 shows book page, docket number, and consumer's comment, if applicable. 14. Trades are the main body of the report, and may include installment loans, revolving accounts, mortgages, collections and other accounts, whether open or closed. A. SUBSCRIBER - The lender B. SUB# - The lender's subcode (member number) with Experian. C. Account Number - The consumer's account number with the lender. May be partially masked with asterisks. D. KOB - Experian's Kind of Business code.  The first letter indicates the main classification: A Automotive B Banks and S&L C Clothing D Department, Variety, retail E Education F Finance, personal G Groceries H Home Furnishings I Insurance J Jewelry, Cameras, Computers K Contractors L Lumber, Bldg. Mat., Hardware M Medical and Health N Credit card, travel, entertainment O Oil Companies P Personal Services (non medical) Q Mail order houses R Real Estate, Hotels etc. S Sporting Goods T Farm and Garden Supplies U Utilities and Fuel V Government W Wholesale X Advertising Y Collection Services Z Miscellaneous E. TYPE - The type of loan.  For example, AUT is an auto loan, REV is a revolving account. F. TERM - Term of loan in months. REV indicates Revolving. G. ECOA - 1=Individual, 2=joint (such as husband and wife), etc. ECOA is Equal Credit Opportunity Act. H. OPEN - Date the account was opened. I. BALDATE  and LAST PD - Date of the balance shown, and (if known) date of the last payment. J. AMT-TYP1 - An amount, and a code identifying the amount. O is original loan amount,  L is credit limit, H is highest balance, C is a charge-off. K. BALANCE, MONTHY PAY - Balance and the monthly payment. L. AMT-TYP2 - Another amount, with a designation as to the amount type. M. PYMT LEVEL - Date the account reached the current status. PAST DUE - The amount past-due. N. ACCTCOND - Account condition: Open, closed, etc. O. MOS REV - How many months payment history are on file. MAXIMUM - Date the worst status was reached P. PYMT STATUS - COLLACCT is a collections, CURR ACCT is current, DELINQ 30 is 30-days delinquent. Q. PYMT HISTORY BY MONTH - from left to right. (Top-left is the BALDATE month.) C - current,  N - current with a zero balance, 1 = 30 days past due, 2 = 60-days, (etc.) 7 = paying under WEP,  8 =  repossession or foreclosure, 9 = collection or charge-off.  B = N/A, G = in collection. 15. Inquiries shows the Experian subscribers that have recently requested the credit report, by name, date, subscriber code, and kind of business (with type, terms and amount, in some cases.) 16. Consumer Assistance Contact provides Experian's address and phone number (to be given to the consumer with any adverse action notice based on this credit report.) 17. Consumer's Statement is a short message added to the credit file by request of the consumer, typically to dispute or explain derogatory items that were not successfully removed.

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