Equifax, Experian, and Trans Union credit reports. Now you can streamline business processes with live credit report data.

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 TTY Experian layout.  

API Keywords allow you to specify whether the reports are generated by MCE from the Experian ARF System 7 data, or by Experian itself, as part of its NetConnect response. In either case, the Merit Credit Engine User Guide shows how it is an easy matter for credit software developers to pass the text report to the end-user to display or print. 

Experian format is illustrated and described below.

Experian Layout

Equifax format credit report layout1. 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 - Kind of Business code.  The first letter indicates the main classification.
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. BALANCE DATE  and LAST PAYMENT - Date of the balance and last payment.
J. AMOUNT - An amount, and a code identifying the amount, such as original loan amount, credit limit, highest balance, or charge-off.
K. BALANCE, MONTHY PAY - Balance and the monthly payment.
L. AMOUNT 2 - 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. ACCOUNT CONDITION - Open, closed, etc.
O. MONTHS REVIEWED - How many months payment history are on file.
MAXIMUM - Date the worst status was reached
P. PAYMENT STATUS - collections, current, delinquent 30 days, etc.
Q. PAYMENT HISTORY BY MONTH - Codes from left to right by month indicate whether current, current with a zero balance, 30, 60 days past due, etc.

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.

The information bands on the credit profile may vary, depending on which Experian products or add-on options you've chosen, and your bureau settings.

Product and company names mentioned herein are the property of their respective owners. You must have account(s) and valid log-in credentials with whichever credit reporting agencies you intend to access with the Merit Credit Engine software. Merit Credit Systems is a software provider only, is not affiliated with any credit bureau, and does not act as a provider, pass-through, or reseller of consumer credit reports.


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