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

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.

TransUnion Layout

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.

A. Subname - The lender.
B. Account Number - The consumer's account number with the lender. May be partially masked with asterisks.
C. ECOA - I=Individual, C=joint (such as husband and wife), A=authorized user etc. ECOA stands for Equal Credit Opportunity Act.
D. Industry Code - The reporting subscriber's kind of business.
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)
Finance, other than personal 
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. SUB# - The lender's subcode (subscriber number) with TransUnion.
F. OPENED - Date account was opened
G. VERIFIED - Date that the acct was last reported
CLSD/PD - Date acct was close or paid off
H. HIGH CRED - Highest balance over the history of the account.
CRED LIMIT - Card or credit line maximum limit
I. BALANCE - Current balance owed.
J. TERMS - Length of loan payoff period (if applicable), followed by "M" and the monthly payment.
K. PAST DUE - Amount past due
- Date of worst delinquency
AMT-MOP - Amount and status code for the worst delinquency
M. Months Reviewed - Date the account reached the current status.
N. 30/60/90 - How many 30-day, 60-day, and 90-day delinquencies over the months reviewed.
O. MOP - Manner of payment status. The letter indicates type of account (R-revolving, I-installment, M-mortgage, O-open line of credit.)  Digit codes: 01 indicates current, 02 indicates presently 30-days late, UR-unrated, etc.
P. Payment Pattern - For each of (up to) 24 months, 1 is current,  2 is 30 days late, and so forth. X designates unrated (or too new to rate.)

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.


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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