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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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