TransUnion Credit Report Format
The Merit Credit Engine is often used for custom credit report layouts, XML, and custom scoring -- but if you want human-readable credit reports in the standard TransUnion print image format, MCE can generate them from the TU 4 or TU 4.1 FFR (fixed format response) data. Alternatively, the Merit credit API documentation shows how you can request that TransUnion generate the text reports as part of the TransUnion NetAccess TUNA II response. With either approach, it is an easy matter for software developers to pass the report text directly to the end-user for viewing or printing, as illustrated below.
1. Inquiry Data Shows the request data including TU account, consumer name and address, SSN, report options and score model algorithm.
2. Report Header. Appears at the top of reports to identify the operator, a user reference (if provided) and timestamp.
3. TransUnion bureau codes, data dates and time. Infile Date shows when this consumer's file was first created.
4. Subject. The consumer's name.
5. SSN. Social security number, birth date and (if known) the consumer's telephone number.
6. Also Known As. Other names (or misspellings) for the subject.
7. Current Address including date reported.
8. Former Addresses including dates reported.
9. Current and Former Employers. Degree of detail depends on how much is known by TransUnion.
10. A Trans Alert may indicate discrepancies between the input data and the file data. A Hawk Alert, such as an SSN discrepancy or a non-residential address, may indicate possible fraud.
11. The Credit Summary shows how many public records (PR), collection items (COL), derogatory items (NEG), derogatory items over the last 7 years (HISTNEG), tradelines (TRD), revolving accounts (RVL), installment accounts (INST), mortgages (MTG), open accounts (OPN), and inquiries (INQ). Method of Payment (MOP) shows how many items with each status code.
Dollar totals are broken out for high credit (the largest amounts borrowed,) credit limits for revolving accounts, balances, past due and monthly payments, and the percentage of unused credit is estimated.
12. Model Profile shows credit scores and the factors having the most impact on each score.
13. Public Records include bankruptcies, civil judgments, and other items.
14. Collections show the ECOA, normally I (individual) or C (joint, ) dates opened, verified, and closed, balances when placed for collection and the present balance, original creditor, remarks, and the manner of payment.
Opened Verified: Dates associated with the collection Closed: Date closed; check balance and remarks to see if the creditor was happy at the end. $Placed: Amount that was originally placed into collection Balance: Current amount owed. MOP: Manner Of Payment: Acct status code. See Codes Virtually any collection, including paid ones, are a serious red-flag. However, a collection of a small amount may be the result of a dispute in which the creditor was actually at fault. Be sure to take all factors into consideration.
15. Trades. Each 3 or 4 line segment describes an account held by the subject, whether currently open or closed.
16. Inquiries lists TransUnion subscribers that recently requested credit reports on this consumer.
17. A Consumer Statement, if present, was added at the subject's request to dispute or explain derogatory items. Consumer statements may also appear on individual items in the Trades section.
18. The Consumer Assistance Contact provides TransUnion's address and phone number (to be given to the consumer with any adverse action notice based on this credit report.)
19. LOOK (if requested) provides contact information for all Trans Union subscribers that appear in the report.
The information bands on the credit report may vary, depending on which TransUnion products or add-ons you've chosen, and your bureau settings.