Consumer
Credit Report
User Guide
sAmpLe report
(Please see format specific user guides for system-to-system outputs).
1
7
CONSUMER CREDIT FILE
[1] 1-800-465-7166
[3] File Requested by:
Identification
Name:
Current Address:
Previous Address:
[2] CCYY/MM/DD
[32] Information from the Superintendent of Bankruptcy:
TEST, FILE, EQUIFAX
5650 YONGE STREET, TORONTO, ON, M2M 4G3
110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Filed
Type
Court Name
Court No
Filed By
CCYY/MM/DD BKRPT MIN OF ATTORNEY GEN 472VF00022
Subject:
IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition:
Discharged. CCYY/MM
Description:
Bankrupt Absolute Discharge
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference:
JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
3
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
Rptd
CANADA
COLLECTION
CCYY/MM/DD
Verified Date:
Acct/Creditor:
Description:
[6] SAFESCAN
SF-9 Possible True Name Fraud
8
[7] Product Score
Equifax Risk Score
609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Identification
9
6
Member
ABC CREDIT
Bal
280000
Reason
Asset
480
Ledger Number
2500
CCYY/MMDD 2212 Unknown
CCYY/MM
55555 ABC RETAIL INC
Subject disputes this account
1111111
[34] Financing Statement:
Filed
Court Name
Court No
Maturity
CCYY/MM/DD CENT REG TOR
481VC00214
CCYY/MM/DD
Creditor/Amt:
FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description:
Security Disposition Unknown
Status
Date
[36] Trade Information
Member Trades:
DLA
PMT-AMT
DT Closed
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351
CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD
28000
24000
4000
550
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
TR
RT
Past Due
FRST/DELQ
21
0
BB
CCYY/MM/DD
CCYY/MM/DD
325000
212000
156200
1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
R1
M1
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
Date
CCYY/MM/DD
Amt
DLA
481YC00036
Bus/ID Code
DT Rptd
DT Opnd
Credit Limit
High Credit
Balance
WRTN OFF/AMT ACT PMT/AMT
MEM# ID
PREV/MEM# ID
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Date
Me mbe r Name
CCYY/MM/DD
AB C B A NK
CCYY/MM/DD
RETAIL WORLD
CCYY/MM/DD
CANADA CAR LOANS
CCYY/MM/DD
MORTGAGE WORLD
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Type
UP/CL
PD/CL
Unpaid
[35] Judgment:
Filed
Type
Court Name Amt
CCYY/MM/DD JDGT
481VC00297 4800
Defendant:
Test File Equifax
Case No:
5555502
Plaintiff:
NATIONAL CREDIT HOUSE
Description:
Disposition Unknown
230
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name:
TEST, FILE, EQUIFAX
[15] Current Address:
5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since:
CCYY/MM
[17] Reported:
STS Reported
[18] Former Address:
110, SHEPPARD, TORONTO, ON, M2B 6S1
Since:
CCYY/MM
Reported:
Tape Reported
[19] 2nd Former Address:
2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since:
CCYY/MM
Reported:
Tape Reported
[20] AKA/Also Known As:
PRETEND, FILE, EQUIFAX
5
Liab
[33] Collection
2
4
High Credit
Rating
2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
JDOE
Bankruptcy Navigator Index
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
[30] Summary
Pub/Other Trade Oldest-Newest
Total
4
CCYY/MM/DD-CCYY/MM/DD 3
[37] Credit Utilization: 22%
Te le phone
222-555-3333
555-555-1234
555-999-0000
000-555-0987
10
Description
372DC00000
30800
6776
[38] Banking
Checking/Saving:
Rptd
ABC BANK,
CCYY/MM/DD
NB NSF, Status:
Opnd
Amount
Account No Account Type
001BB05697, (999) 999-9999
CCYY/MM L5F
Chequing/Saving
4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
End of Report
All available fields are returned on the credit file, however may not be populated if the information is not
supplied to Equifax.
2
CONSUMER CREDIT FILE
1
[1] 1-800-465-7166
[3] File Requested by:
Identification
Name:
Current Address:
Previous Address:
[30] Summary
Pub/Other Trade Oldest-Newest
Total
4
CCYY/MM/DD-CCYY/MM/DD 3
[2] CCYY/MM/DD
[31] Public Records/Other Information
JDOE
TEST, FILE, EQUIFAX
5650 YONGE STREET, TORONTO, ON, M2M 4G3
110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference:
JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
CONSUMER
CREDIT FILE
Consumer Alert
[5] Warnings
1-800-465-7166
CCYY/MM/DD
Invalid
Social Insurance
NumberTELEPHONE [2]
[1] [1]
CONSUMER
REFERRAL
NUMBER:
Consumers to be
[3] SAFESCAN
File Requested by: JDOE
[6]
provided referral telephone number for Equifax as required.
SF-9 Possible True Name Fraud
Identification
3
Filed
Type
Court Name
C
Filed By
CCYY/MM/DD BKRPT MIN OF ATTORNEY GEN 47
Subject:
IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition:
Discharged. CCYY/MM
Description:
Bankrupt Absolute Discharge
Rptd
Type
Amt
DLA
B
481YC00036
CANADA
UP/CL
COLLECTION
[30]
Summary PD/CL
CCYY/MM/DD
Unpaid
2500
CCYY/MMDD
2
Pub/Other Trade
Oldest-Newest
Total
High Cre
Date:
CCYY/MM
4 VerifiedCCYY/MM/DD-CCYY/MM/DD
3
2800 - 28
Acct/Creditor:
55555 ABC RETAIL INC
Description:
Subject disputes this account
[31] Public Records/Other Information
[32]
from the Superintendent of Bankru
[34] Information
Financing Statement:
Filed
Court Name
Court No
Filed
Type
Court Name
C
Current Risk
Address:
5650 YONGE
CCYY/MM/DD CENT REG TOR
481VC00214
Equifax
Score
609STREET, TORONTO, ON, M2M 4G3
Filed By
Previous
Address:
110,
SHEPPARD
AVE
TORONTO,
M2B 6S1 the file.
INQUIRY
DATA: and
Data
submitted
EFXEAST,
byfiled
the
memberON,
to request
Creditor/Amt:
FURNITURE HOUSE 99 ELLIS AVE
Serious
delinquency
public
record orto
collection
BKRPT MIN OF ATTORNEY GEN 47
CCYY/MM/DD
[30]
Summary
CONSUMER
CREDIT
Description:
Security Disposition Unknown
Time since delinquency
is tooFILE
recent or unknown
Subject:
IND
Pub/Other
Trade
Oldest-Newest
Total High Cre
Date
of
Birth:
CCYY/MM/DD,
Number of accounts with delinquency
Case No/Trustee:
22855 MORRIS ETAL
4
CCYY/MM/DD-CCYY/MM/DD
3
2800 - 28
SIN:
999-999-999
[35] Judgment:
Medium
Risk Region, Subprime Credit File
[1]
1-800-465-7166
[2] CCYY/MM/DD
Disposition:
Discharged. CCYY/MM
Reference:
JDOE
Filed
Type
Court Name Amt
Description:
BankruptInformation
Absolute Discharge
Bankruptcy
Navigator
230
[3] File Requested
by: Index
JDOE
[31]
Public Records/Other
CCYY/MM/DD
JDGT
481VC00297 4800
Employment
Age
of derogatory public records
[33]
Collection
Identification
Defendant:
Test
File
Equifax
Employer,
Occupation:
TESTS
MECHANIC
SHOP,
OWNER
[32]
Information
from
the
Superintendent
of Bankru
Average age of retail trades
[4] SUBJECT
Name:
TEST, FILE, EQUIFAX
Case No: 1: Sections
5555502 of the
Rptd
Type
Amt
DLA
Number
of
recent
inquiries
Filed
Type
Court
Name
CB
[4] Subject
1: Alert, Score,5650
Identification,
Inquiries,TORONTO,
Employment,
Summary,
Public
Current
Address:
YONGE STREET,
ON,
M2M 4G3
Plaintiff:
NATIONAL
CREDIT
HOUSE
481YC00036
CANADA
UP/CL
current
are populated
Filed
Byfile that
Records, Banking,
Statement orAVE
Alert.
Previous
Address:Consumer
110, SHEPPARD
EAST, TORONTO, ON, M2B 6S1
Description:
Disposition Unknown
COLLECTION
PD/CL
Identification
BKRPT MIN OF ATTORNEY GEN 47
CCYY/MM/DD
and
displayed.
CCYY/MM/DD
Unpaid
2500
CCYY/MMDD 2
Consumer Alert
[36]
Trade
Information
Subject:
IND
Date of Birth: CCYY/MM/DD,
Verified
Date:
[5]
Warnings
[8] Unique
Number 1234567899
Member
Trades: 22855CCYY/MM
Case No/Trustee:
MORRIS ETAL
SIN: 999-999-999
Acct/Creditor:
55555 CCYY/MM
ABC RETAIL INC
Invalid
Insurance
Number
[9]
FileSocial
Number
00-00000000-00-000
Disposition:
Discharged.
Reference:
JDOE
Bus/ID
Code
DT
Rptd
DT Opnd
DL
Description:
Subject
disputes
this account
[10] Date File Opened: CCYY/MM/DD
Description:
Bankrupt
Absolute
Discharge
[6] SAFESCAN
Credit Limit
High Credit
Balance
PM
Employment
[11] Date of Last Activity: CCYY/MM/DD
SF-9 Possible True Name Fraud
WRTN
OFF/AMT
ACT PMT/AMT
DT
[33]
Collection
[34]
Financing
Statement:
Employer,
Occupation: TESTS MECHANIC SHOP, OWNER
[12]
DOB: CCYY/MM/DD
MEM#
ID
PREV/MEM#
ID
Filed
Court
Name
Court
No
[7]
Product
Score
[13] SIN: 999-999-999
Rptd
Type
Amt
DLA
B
[4] Subject
1: Alert,
Identification,
CCYY/MM/DD UP/CL
CENT REG
TOR
481VC00214
Equifax
Risk
ScoreScore,
[13B]
** Consumer
Statement
** 609 Inquiries, Employment, Summary, Public
481YC00036
CANADA
Records,
Banking,
Consumer
Statement
or
Alert.
CANADA
BANK
(555)
999-9999
481BB00000
Creditor/Amt:
FURNITURE HOUSE 99 ELLIS AVE
Serious
delinquency and public record
or collection
filed
[14] Name:
TEST,
FILE, EQUIFAX
COLLECTION
PD/CL
*J
007BB01351 Security
CCYY/MM/DD CCYY/MM/DD
CC
Description:
Unknown
TimeCurrent
since Alert
delinquency
or unknown
[15]
Address: is too recent
5650
YONGE STREET, TORONTO, ON, M2M
CCYY/MM/DD
Unpaid Disposition
2500
CCYY/MMDD 2
[5]4G3
CONSUMER FILE
ALERT:
Information
input
Consumer
28000
24000
4000
55
Number
of accounts with delinquency
[16]
Since:
CCYY/MM
Verified Date:
CCYY/MM
[5]
Warnings
Account
Number:
on inquiry does not
file or 8452675
is invalid.
[35] match
Judgment:
Medium
Risk Region,
Subprime
[17]
Reported:
STSFile
Reported
Acct/Creditor:
55555 ABC RETAIL INC
Invalid
Social
Insurance
NumberCredit
Description:
Personal
Semi-Monthly
Payments
Filed
Type Loan,
Court
Namethis
Amt
[18] Former Navigator
Address: Index
110,
Description:
Subject
disputes
account
Bankruptcy
230SHEPPARD, TORONTO, ON, M2B 6S1
Trade
Payment
Profile:
111111111111111111111111
[6]
SAFESCAN
[6] SAFESCAN WARNING:
FraudJDGT
alert message
CCYY/MM/DD
481VC00297 4800
Since:
C
C
Y
Y
/
M
M
Age
of
derogatory
public
records
SF-9
Possible
True
Name
Fraud
Defendant:
Test File Equifax
Reported:
Tape Reported
[34]
Financing
Statement:
warns you of potential
application
fraud.
Average
age of retail trades
Case No:
5555502
[19]
2ndof
Former
2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
BB
Filed
Court Name
Court No
[7] Product
Score Address:
Number
recent
inquiries
(Available
only
to
SafeScan
subscribers)
Plaintiff:
NATIONAL
CREDIT
Since:
C
C
Y
Y
/
M
M
CCYY/MM/DD
CCYY/MM/DD CENT
REG
TOR HOUSE
481VC00214
Equifax Risk Score
609
Description:
Disposition
Reported:
Tape
eported filed
325000
212000 Unknown
156200
125
Creditor/Amt:
FURNITURE
HOUSE
99 ELLIS AVE
Serious delinquency and public record
orRcollection
Identification
[7] SCORES AND REASON
CODES:
Amortgage,
risk score
[20]
Known As:
PRETEND,
FILE, EQUIFAX
Description:
Second
Months reviewed is gr
Description:
Security
TimeAKA/Also
since delinquency
is too recent
or unknown
[36] Trade Information Disposition Unknown
Trade
Profile:codes
111111111111111111111111
Number
of accounts
delinquency
accompanied byMember
up toPayment
three
reason
and
[8]
Unique
Number with
1234567899
Trades:
Telephone
# Region,
[35] Judgment:
Medium
Risk
Subprime Credit File
[9]
File Number
00-00000000-00-000
score
card
indicator.
Provides
details
on
what
Bus/ID
DT Rptd Court Name
DT Opnd
[21] Telephone
#: 555-555-1234
EXTN: Residential/Home
Filed Code Type
Amt DL
[10]
Date FileNavigator
Opened:
CCYY/MM/DD
Bankruptcy
Index
230
Credit
Limit
High
Credit
Balance
SMARTSHOP
RETAIL
(555)on
999-9999
723DC00000
Date
firstof
reported:
CCYY/MM/DD
CCYY/MM/DD
JDGT
481VC00297
4800 PM
information
on
file
had
a
negative
impact
[11]
Date
Last
Activity:
CCYY/MM/DD
Age of derogatory public records
WRTN
OFF/AMT
DT
Date
last received:
CCYY/MM/DD
CCYY/MM/DD
Defendant:
TestACT
FilePMT/AMT
Equifax
[12]
DOB:
CCYY/MM/DD
Average age of retail trades
the score (even ifMEM#
minimal
IDLostimpact).
PREV/MEM#
ID
Status:
or stolen
card
Case
No:
5555502
[13]
SIN:
999-999-999
Number of recent inquiries
Plaintiff:
NATIONAL CREDIT HOUSE
(Available only to risk
score subscribers).
[13B]
** Consumer Statement **
Inquiries
CANADA
BANKDisposition
(555) 999-9999
Description:
Unknown 481BB00000
[14]
Name:
TEST,
FILE,
EQUIFAX
Identification
[22] Subject shows 3 inquiries since CCYY/MM/DD
*J 007BB01351
CCYY/MM/DD CCYY/MM/DD CC
[15]
Current
Address:
5650
YONGE
STREET,
TORONTO,
ON,
M2M
4G3
[23] Member Inquiries:
[36]
Trade Information
[37]
Credit
Utilization:
22%
30800
677655
28000
24000
4000
[16]Unique
Since: Number 1234567899 CCYY/MM
[8]
Member
Trades:
Account
Number:
8452675
D
a
t
e
M
e
m
b
e
r
N
a
m
e
T
e
l
e
p
h
o
n
e
[17]File
Reported:
STS Reported
[9]
Number 00-00000000-00-000
Description:
Loan, Semi-Monthly
Payments
CCYFormer
Y/MM/DD
ABC BANK110, SHEPPARD, TORONTO,
22ON,
2-55M2B
5-3336S1
3
Bus/ID
Code Personal
DT Rptd
DT Opnd
DL
[18]
[10]
Date FileAddress:
Opened: CCYY/MM/DD
Trade
Payment
Profile:
111111111111111111111111
C
C
Y
Y
/
M
M
/
D
D
R
E
T
A
I
L
W
O
R
L
D
5
5
5
5
5
5
1
2
3
4
Credit
Limit
High
Credit
Balance
PM
Since:
C
C
Y
Y
/
M
M
[38]
Banking
[11] Date of Last Activity: CCYY/MM/DD
CCYY/MM/DD
CANADA CAR
555-999-0000
WRTN OFF/AMT ACT PMT/AMT
DT
Reported:
TapeLOANS
Reported
[12]
DOB: CCYY/MM/DD
Checking/Saving:
CCYY/MM/DD
MORTGAGE
WORLD
000-555-0987
MEM#
ID
PREV/MEM#
ID
[19]
2nd
Former
Address:
2314,
11
TH
AVE
1201,
TORONTO,
ON,
M4W
3C1
BB
[13] SIN: 999-999-999
Rptd
Opnd
Amount
Acco
[24]
number of
inquiries:**28CCYY/MM
Since:
CCYY/MM/DD
CCYY/MM/DD
[13B]Total
** Consumer
Statement
ABC BANK,
001BB05697,
(999)
999-9999
[25]
Foreign
Bureau
Inquiries:
CANADA
BANK
(555)
999-9999
481BB00000
Reported:
T
ape RFILE,
eporteEQUIFAX
d
325000
212000
156200
125
[14] Name:
TEST,
CCYY/MM/DD
CCYY/MM L5F
*J
007BB01351
CCYY/MM/DD
CCYY/MM/DD
CC
[20]
AKA/Also
Known As:
PRETEND,
FILE,
EQUIFAX
Description:
Second
mortgage, Months
reviewed is gr
[15]
Address:
YONGE
STREET,
TORONTO, ON, M2M 4G3
DateCurrent
Member 5650
Description
NB
NSF,
Status:
4
NSF
CCYY/MM
28000
24000111111111111111111111111
4000
55
Trade Payment Profile:
[16]
Since:
CCYY/MM 372DC00000
CCYY/MM/DD
ABC CREDIT
Account
Number:
8452675
Telephone
#
[39]
Consumer
Declaration
[17] Reported:
STS Reported
Description:
Loan,
Semi-Monthly Payments
[21]
Telephone
#: 555-555-1234 EXTN:
Residential/Home
Rptd,
Purge: Personal
CCYY/MM,
CCYY/MM
[18] Former
Address:
110, SHEPPARD,
TORONTO, ON, M2B 6S1
Name:
EQUIFAX
[2] [7]
Date
of file
request TEST,
by theFILE,
member.
Product
Score
2
[32] Information from the Superintendent of Bankru
[33] Collection
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
[3]
High Cre
2800 - 28
3
Equifax Risk Score
609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
4
CCYY/MM/DD
Creditor/Amt:
Description:
[35] Judgment:
Filed
Type
Court Name Amt
CCYY/MM/DD JDGT
481VC00297 4800
Defendant:
Test File Equifax
Case No:
5555502
Plaintiff:
NATIONAL CREDIT HOUSE
Description:
Disposition Unknown
230
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name:
TEST, FILE, EQUIFAX
[15] Current Address:
5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since:
CCYY/MM
[17] Reported:
STS Reported
[18] Former Address:
110, SHEPPARD, TORONTO, ON, M2B 6S1
Since:
CCYY/MM
Reported:
Tape Reported
[19] 2nd Former Address:
2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since:
CCYY/MM
Reported:
Tape Reported
[20] AKA/Also Known As:
PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
IDENTIFICATION SECTION:
[8]
[9]
[10]
Date
FILE NUMBER:
CCYY/MM/DD
forMember
internal use only.
ABC CREDIT
Date file was established.
for
[36] Trade Information
Member Trades:
Bus/ID Code
DT Rptd
DT Opnd
Credit Limit
High Credit
Balance
WRTN OFF/AMT ACT PMT/AMT
MEM# ID
PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351
CCYY/MM/DD CCYY/MM/DD
28000
24000
4000
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Paymen
Trade Payment Profile: 111111111111111111111
BB
CCYY/MM/DD
CCYY/MM/DD
325000
212000
156200
Description: Second mortgage, Months reviewed is
Trade Payment Profile: 111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC000
CCYY/MM/DD
Status: Lost or stolen card
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
Date
Me mbe r Name
CCYY/MM/DD
AB C B A NK
CCYY/MM/DD
RETAIL WORLD
CCYY/MM/DD
CANADA CAR LOANS
CCYY/MM/DD
UNIQUE NUMBER:MORTGAGE
ReferenceWORLD
number
[24] Total number of inquiries: 28
consumers
regarding
their
own
file.
[25] Foreign Bureau Inquiries:
CENT REG TOR
481VC0021
FURNITURE HOUSE 99 ELLIS A
Security Disposition Unknown
[37] Credit Utilization: 22%
Te le phone
222-555-3333
555-555-1234
555-999-0000
000-555-0987
[16] Since:
30800
677
[38] Banking
Date the addressChecking/Saving:
was first reportedOpnd
to
Rptd
Amount
Ac
the file.
ABC BANK,
001BB05697, (999) 999-9999
CCYY/MM/DD
CCYY/MM
L5F
[17] Reported: Indicates howNBthe
information
was
NSF,
Status:
4 NSF CCYY/MM
reported to EFX STS: direct
link
customer,
[39] Consumer Declaration
Rptd,
Purge: CCYY/MM,
Tape: electronic reporting
customer,
DAT: CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRU
Direct Access Terminal.CREDIT
APPLICATIONS HAVE BEEN SUBMITT
Description
372DC00000
[11]
Date of lastInformation:
activity on file.
Employment
[26] Current Employer: TESTS MECHANIC SHOP
[12] [27]
Date
of birth
or age ofSalary:
Subject:
(CCYY/MM/DD)
ACCESS
THISofFILE
AS PART OF A CREDIT CH
Since,
Left, Position,
OWNER,
[18] Former address - Previous
address
subject.
CUSTOMER THAT IT IS LEGITIMATE BEFORE E
[28] Former Employer: ABC MECHANICS
[13] Since,
SIN:Left,
Social
Insurance Number: (will only
Position, Salary: AUTO MECHANIC
[19] Second former address.555-1234
display
if
provided
on
input
and
corresponds
[29] Second Former Employer: THE CAR SHOP
[20] AKA OR ALSO KNOWNEnd
AS:of The
credit report
City, Province: TOR, ON
Report
with the SIN on file)
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900contains all information under the names
Status:
CCYY/MM Indicates declaration or
[13B]Verified,
Consumer
Statement:
provided. (combined reports)
alert on file (refer to section 10, line 39)
[14]
[21]
Subject name.
[15] Current address.
4
Telephone #: Maximum 3 iterations of telephone
#/extension, including type (home/business/
cellular), date first reported to EFX, date last
received at EFX.
5
[36] Trade Information
BB
Member
Trades:
CCYY/MM/DD
CCYY/MM/DD
Bus/ID
DT Rptd
DT Opnd
325000Code
212000
156200
Credit
Limit Second
High
Credit Months
Balance
Description:
mortgage,
reviewed is
WRTN Payment
OFF/AMTProfile:
ACT PMT/AMT
Trade
111111111111111111111
MEM# ID
PREV/MEM# ID
[19]
2nd Former
Address:
[8] Unique
Number
1234567899 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since:
CCYY/MM
[9] File Number 00-00000000-00-000
Reported:
Tape Reported
[10] Date File Opened: CCYY/MM/DD
[20]
Known
As: CCYY/MM/DD
PRETEND, FILE, EQUIFAX
[11] AKA/Also
Date of Last
Activity:
5
[12] DOB: CCYY/MM/DD
Telephone
#
[13]
SIN: 999-999-999
[21]
#: 555-555-1234
[13B]Telephone
** Consumer
Statement ** EXTN: Residential/Home
Date
first reported: CCYY/MM/DDTEST, FILE, EQUIFAX
[14]
Name:
Date
last received:
CCYY/MM/DD5650 YONGE STREET, TORONTO, ON, M2M 4G3
[15]
Current
Address:
[16] Since:
CCYY/MM
[17]
Reported:
STS Reported
Inquiries
[18] Former
Address:
SHEPPARD, TORONTO, ON, M2B 6S1
[22]
Subject shows
3 inquiries since110,
CCYY/MM/DD
Since:
CCYY/MM
[23] Member Inquiries:
Reported:
Tape Reported
Date2nd Former Address:
Member N2314,
ame 11 TH AVE 1201, TORONTO,
TelephoON,
ne M4W 3C1
[19]
CCYY/MM/DD
ABC BANKCCYY/MM
222-555-3333
Since:
CCYY/MM/DD
RETAIL WO
RpLeDReported
555-555-1234
Reported:
Ta
CCYY/MM/DD
CANADA CAR
LOANS FILE, EQUIFAX 555-999-0000
[20]
AKA/Also Known As:
PRETEND,
CCYY/MM/DD
MORTGAGE WORLD
000-555-0987
[24] Total number
of inquiries: 28
Telephone
#
[25] Telephone
Foreign Bureau
Inquiries: EXTN: Residential/Home
[21]
#: 555-555-1234
Date
first
reported:
CCYY/MM/DD
Date
Member
Description
Date last received: CCYY/MM/DD
CCYY/MM/DD
ABC CREDIT
372DC00000
Inquiries
Employment
Information:
[22]
Subject shows
3 inquiries since CCYY/MM/DD
[26]
[23] Current
Member Employer:
Inquiries: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
DateFormer Employer:MABC
embMECHANICS
e r Name
Te le phone
[28]
CCYY/M
M/DPosition,
D
ABC BAAUTO
NK MECHANIC
222-555-3333
Since,
Left,
Salary:
CCYSecond
Y/MM/DDFormer Employer:
RETAIL WTHE
ORLCAR
D
555-555-1234
[29]
SHOP
CCYY/MM/DD
CANADA CAR LOANS
555-999-0000
City,
Province: TOR, ON
CCYY/MM/DD
MORTGAGE
WORLD
000-555-0987
Since,
Left, Position, Salary:
CCYY/MM,
CCYY/MM, MECHANIC
JR, 1900
[24] TotalStatus:
numberCCYY/MM
of inquiries: 28
Verified,
[25] Foreign Bureau Inquiries:
Date
CCYY/MM/DD
6
Member
ABC CREDIT
Description
372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
EMPLOYMENT SECTION:
[26] Current Employer: Company name of most recently reported
employer.
[27] Since, Left, Position, Salary: Occupation of subject, start date, left
date and salary.
[28] Former Employer: Company name of previous employer. Since,
Left, Position, Salary: Occupation of subject, start date, left date
and salary.
[29] Second Former Employer: company name of second previous
employer. Since, Left, Position, Salary: Occupation of subject and
date of verification.
6
CANADA
BANK
(555) 999-9999
481BB00000
SMARTSHOP
RETAIL
(555) 999-9999
723DC000
*J
007BB01351
CCYY/MM/DD CCYY/MM/DD
CCYY/MM/DD
28000
24000
4000
Status: Lost or stolen
card
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Paymen
Trade Payment Profile: 111111111111111111111
Alert
appears22%
if there
[37]message
Credit Utilization:
30800
677
INQUIRIES SECTION:
[22]
have
BB been three or more inquiries
CCYY/MM/DD
within
the past 90 CCYY/MM/DD
days.
[38]
Banking
325000
212000
156200
Description:
Second
mortgage,
[23] Date
and member
name
of Months reviewed is
Checking/Saving:
Trade Payment Profile: 111111111111111111111
Rptd in the past Opnd
Ac
inquiries
36 months.Amount
ABC BANK,
001BB05697, (999) 999-9999
Member
phone number
will
CCYY/MM/DD
CCYY/MM L5F
SMARTSHOP
RETAIL
(555)
display
for Status:
inquiries
in4 NSF
past
12999-9999 723DC000
NB NSF,
CCYY/MM
CCYY/MM/DD
months.
Status:
Lost or stolen
card
[39]
Consumer
Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
[24] Total
Number of Inquiries: Total
Declaration: *****WARNING*****CONFIRMED TRU
number
inquiries sinceHAVE
file30800
CREDITof APPLICATIONS
BEEN SUBMITT
[37] Credit Utilization: 22%
677
ACCESS
THIS FILE AS PART OF A CREDIT CH
was
established.
CUSTOMER THAT IT IS LEGITIMATE BEFORE E
555-1234
[25] Foreign
Bureau Inquires: Date,
[38] Banking
Member number and name of
End of Report
Checking/Saving:
inquiring
customers.Opnd
Rptd
Amount
ABC BANK,
CCYY/MM/DD
NB NSF, Status:
Ac
001BB05697, (999) 999-9999
CCYY/MM L5F
4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRU
CREDIT APPLICATIONS HAVE BEEN SUBMITT
ACCESS THIS FILE AS PART OF A CREDIT CH
CUSTOMER THAT IT IS LEGITIMATE BEFORE E
555-1234
End of Report
S1
blic
2M 4G3
1
4W 3C1
7
[30] Summary
Pub/Other Trade Oldest-Newest
Total
4
CCYY/MM/DD-CCYY/MM/DD 3
High Credit
Rating
2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed
Type
Court Name
Court No
Filed By
CCYY/MM/DD BKRPT MIN OF ATTORNEY GEN 472VF00022
Subject:
IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition:
Discharged. CCYY/MM
Description:
Bankrupt Absolute Discharge
Liab
280000
Asset
480
[33] Collection
Rptd
CANADA
COLLECTION
CCYY/MM/DD
Verified Date:
Acct/Creditor:
Description:
Type
UP/CL
PD/CL
Unpaid
Amt
DLA
481YC00036
Bal
Reason
Ledger Number
2500
CCYY/MMDD 2212 Unknown
CCYY/MM
55555 ABC RETAIL INC
Subject disputes this account
1111111
[34] Financing Statement:
Filed
Court Name
Court No
Maturity
CCYY/MM/DD CENT REG TOR
481VC00214
CCYY/MM/DD
Creditor/Amt:
FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description:
Security Disposition Unknown
[35] Judgment:
[30] Pub/Other:
Number of Public Records or Other information
Filed
Type
Court Name Amt
Status
Date
Trade
Oldest-Newest:
Oldest
trade open
date-most recent trade reporting date
CCYY/MM/DD
JDGT
481VC00297
4800
Defendant:
Test File Equifax
Total:
Total number
of trades on the file.
Case No:
5555502
Plaintiff:
NATIONAL
High
Credit: High
credit CREDIT
range ofHOUSE
trades on file.
Description:
Disposition Unknown
Rating for R/O/I/L/C/M: R: Revolving account, O: Open account, I: Installment account, L: Lease Account,
[36] Trade Information
C:Member
Line ofTrades:
Credit, M: Mortgage.
Bus/ID Code
Rptd
DT Opnd
DLAInformation TR
RT Public Court Records.
[31] PUBLIC
RECORDSDTOR
OTHER INFORMATION:
obtained from
Credit Limit
High Credit
Balance
PMT-AMT
Past Due
FRST/DELQ
WRTN OFF/AMT ACT PMT/AMT
DT Closed
[32] Bankruptcies/Bankruptcy
Category: A person
legally declared
to be unable to pay debt (date filed, type
MEM# ID
PREV/MEM# ID
of action, [IND for personal; BUS for business], court name, court code, liability, assets, filer [subject,
CANADA
(555) number,
999-9999 trustee,
481BB00000
spouse
or BANK
both], case
disposition and description of the bankruptcy). Segment may contain
*J 007BB01351
CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD
21
R1
non-bankruptcy
information
including:
Orderly
payment of debt
or Credit
Counselling.
28000
24000
4000
550
0
Account Number: 8452675
[33] Third
party collections: A debt which a creditor is unable to collect, transfers to a third party (name of
Description: Personal Loan, Semi-Monthly Payments
collection
agency,
collection
agency member number, reported date, type of collection [UP CL: unpaid
Trade Payment
Profile:
111111111111111111111111
collection or PD CL: paid collection], original debt amount, date of last activity with credit grantor, balance
asBBof date reported, reason, ledger number, verified date, Credit grantor and account number, description).
CCYY/MM/DD
CCYY/MM/DD
M1
Includes
related to Family
325000 collections
212000
156200Responsibility.
1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22%
30800
6776
[38] Banking
Checking/Saving:
Rptd
ABC BANK,
CCYY/MM/DD
NB NSF, Status:
Opnd
Amount
Account No Account Type
001BB05697, (999) 999-9999
CCYY/MM L5F
Chequing/Saving
4 NSF CCYY/MM
7
[33] Collection
Public
8
6S1
ublic
M2M 4G3
6S1
M4W 3C1
3
4
0
7
M2M 4G3
S1
M4W 3C1
3
4
0
7
9
Rptd
CANADA
COLLECTION
CCYY/MM/DD
Verified Date:
Acct/Creditor:
Description:
Type
UP/CL
PD/CL
Unpaid
Amt
DLA
481YC00036
Bal
Reason
2500
CCYY/MMDD 2212 Unknown
CCYY/MM
55555 ABC RETAIL INC
Subject disputes this account
Ledger Number
1111111
[34] Financing Statement:
Filed
Court Name
Court No
Maturity
CCYY/MM/DD
CENT REG TOR
481VC00214
CCYY/MM/DD
[30]
Summary
Creditor/Amt:
HOUSETotal
99 ELLIS
TOR Rating
3600
Pub/Other
TradeFURNITURE
Oldest-Newest
HighAVE
Credit
Security Disposition Unknown
4 Description:
CCYY/MM/DD-CCYY/MM/DD
3
2800 - 28000 1-One, 1-Two, 1-Other
[35] Public
Judgment:
[31]
Records/Other Information
Filed
Type
Court Name Amt
Status
Date
[32]
Information
from the Superintendent
Bankruptcy:
CCYY/MM/DD JDGT
481VC00297 of4800
Defendant:
Test
File Equifax
Filed
Type
Court Name
Court No
Liab
Asset
Case By
No:
5555502
Filed
Plaintiff:
NATIONAL
CREDIT
HOUSE GEN 472VF00022
BKRPT MIN
CCYY/MM/DD
OF ATTORNEY
280000 480
Description:
Disposition
Unknown
Subject:
IND
Case
No/Trustee:
22855 MORRIS ETAL
[36] Trade
Information
Disposition:
Member Trades: Discharged. CCYY/MM
Description:
Bankrupt Absolute Discharge
Bus/ID Code
DT Rptd
DT Opnd
DLA
TR
RT
[33] Collection
Credit Limit
High Credit
Balance
PMT-AMT
Past Due
WRTN OFF/AMTType
ACT PMT/AMT
DTBal
Closed
Rptd
Amt
DLA
Reason FRST/DELQ
Ledger Number
[34]
Financing
Statement:
A ID
chattel mortgage, registered loan, or registered lien is a loan where the debtor
MEM#
ID
PREV/MEM#
481YC00036
CANADA
UP/CL
COLLECTION
has given PD/CL
personal property as collateral and the loan is registered with the provincial government
CCYY/MM/DD
2500 481BB00000
CCYY/MMDD 2212 Unknown 1111111
CANADA BANKUnpaid
(555) 999-9999
under
PPSA.CCYY/MM/DD
ThisCCYY/MM
is not derogatory
information.
(Secured
Verified
Date:
*J 007BB01351
CCYY/MM/DD
CCYY/MM/DD
21 loans are
R1 not extended in the province of
Acct/Creditor:
55555 ABC
RETAIL
INC 550 government0agency; member number of reporting agency,
28000
24000
4000
Quebec.) [Date
reported;
name
of reporting
Description:
Subject disputes this account
Account Number: 8452675
maturityPersonal
date ofLoan,
the loan,
name and
address of creditor; amount of loan; Description of loan status].
Description:
Semi-Monthly
Payments
[34]
Financing
Trade
PaymentStatement:
Profile: 111111111111111111111111
[35]
Judgments:
A court order against
a debtor for
payment of monies owing (date judgment granted or
Filed
Court Name
Court No
Maturity
date
filed;
judgment
status
[ST
JD:
satisfied
judgment,JDGT:
judgment]. Court identification number/
CCYY/MM/DD
CENT
REG TOR
481VC00214
CCYY/MM/DD
BB
Creditor/Amt:
FURNITURE
HOUSE
99 ELLISdefendant;
AVE TOR judgment
3600
name
of
court;
amount
of
judgment;
number;
CCYY/MM/DD
CCYY/MM/DD
M1plaintiff; status of judgment
Description:
Security Disposition Unknown
325000
212000
156200
1250
[satisfied, unsatisfied
or disposition
unknown]
and date, when applicable).
Description: Second mortgage, Months reviewed is greater than 24
[35] Judgment:
Trade Payment Profile: 111111111111111111111111
Filed
Type
Court Name Amt
Status
Date
CCYY/MM/DD JDGT
481VC00297 4800
Defendant:
Test File Equifax
SMARTSHOP RETAIL (555) 999-9999 723DC00000
Case No:
5555502
CCYY/MM/DD
Plaintiff:
NATIONAL CREDIT HOUSE
Status: Lost or stolen card
Description:
Disposition Unknown
[36] Trade Information
Member Trades:
[37] Credit Utilization: 22%
30800
6776
Bus/ID Code
DT Rptd
DT Opnd
DLA
TR
RT
Credit Limit
High Credit
Balance
PMT-AMT
Past Due
FRST/DELQ
WRTN OFF/AMT ACT PMT/AMT
DT Closed
[38] Banking
MEM#
ID
PREV/MEM# ID
Checking/Saving:
CANADA
BANK (555)
999-9999 Amount
481BB00000Account No Account Type
Rptd
Opnd
*J
007BB01351
CCYY/MM/DD
CCYY/MM/DD
21
R1
ABC
BANK,
001BB05697, (999)
999-9999 CCYY/MM/DD
28000
24000
4000
550
0
CCYY/MM/DD
CCYY/MM L5F
Chequing/Saving
Account
NB NSF, Number:
Status: 8452675
4 NSF CCYY/MM
Description: Personal Loan, Semi-Monthly Payments
[39] Consumer
Trade
Payment Declaration
Profile: 111111111111111111111111
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
BB
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
CCYY/MM/DD
CCYY/MM/DD
ACCESS THIS FILE
AS PART OF A CREDIT CHECK, PLEASE VERIFY WITHM1THE
325000
156200
1250
CUSTOMER
THAT212000
IT IS LEGITIMATE
BEFORE EXTENDING
CREDIT/PHONE: (000)
Description:
Second mortgage, Months reviewed is greater than 24
555-1234
Trade Payment Profile: 111111111111111111111111
End of Report
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22%
30800
6776
[38] Banking
Checking/Saving:
Rptd
ABC BANK,
CCYY/MM/DD
Opnd
Amount
Account No Account Type
001BB05697, (999) 999-9999
CCYY/MM L5F
Chequing/Saving
8
[36] TRADE INFORMATION:
Bus/ID Code: Company name/
telephone/ member number.
DT RPTD: Date item was
reported to Equifax.
DT OPND: Date account was
opened with the credit grantor.
DLA: Date of last activity on the
account by the consumer.
TR: Number of times the credit
grantor has reported an account
update.
RT: Type of account and manner
of repayment: (See Trade
Information Descriptions and
Manner of Payment for detailed
rating descriptions).
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22%
10
30800
6776
[38] Banking
Checking/Saving:
Rptd
ABC BANK,
CCYY/MM/DD
NB NSF, Status:
Opnd
Amount
Account No Account Type
001BB05697, (999) 999-9999
CCYY/MM L5F
Chequing/Saving
4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
[38] BANKING INFORMATION
SECTION:
Type of account, name and
telephone number of institution;
date item was reported to Equifax;
Type of account; customer’s
member number; date account
was opened with credit grantor;
balance of account (approximate
range); additional information on
account. Ex: L4F=low 4 figures,
($1-2K), H5F= high 5 figures,
($70K-99K).
[39] CONSUMER STATEMENT: Rptd, Purge: Date reported and date information will be deleted. At the request of the
consumer, EFX will add one of the following to the file:
True Name Fraud:
Consumer is a true victim of fraud.
Identity Verification Alert:
Consumer has not been a victim of fraud: cautionary alert added (available to Ontario
and Manitoba residents only).
Consumer Statement:
Statement provided by the consumer in order to explain items/information on file.
Credit Limit: Maximum credit amount assigned to the
credit product.
High Credit: Highest amount ever owed on the product.
Balance: Amount owed at time of reporting.
PMT AMT: Actual dollar amount of most recent payment
by the consumer.
PMT TERMS: Frequency of required payments to be
made by the consumer.
Past Due: Past due amount as of date reported.
WRTN OFF/AMT: Actual dollarm amount written off by
the credit grantor.
ACT PMT/AMT: Actual last payment amount by the
consumer.
DT Closed: Date of closure of the account.
FRST/DELQ: Date of first payment delinquency by the
consumer.
MEM#ID: Equifax Member number.
PREV/MEM# ID: Previous Equifax Member number.
Description: Provides additional information about the
account.
Trade Payment Profile: Numeric summary of up to 36
months of previous ratings. Read left to right: recent
rating to historical ratings.
Mortgage Trade line: Industry code is displayed
(Example: BB): mortgage issuer name/date opened are
masked.
[37] Credit Utilization
Provides the percentage of all available credit that is
currently utilized by the consumer as of report date
(total of current balances owed divided by total credit
limits). The total of all open credit limit amounts and all
open account balances are also displayed.(Available to
internet customers only).
9
trAde inFormAtion
And desCriptions
portFoLio
tYpes
R: Revolving or option (open-end account)
O: Open account (30 days or 90 days)
I: Installment (fixed number of payments)
L: Lease Account
C: Line of Credit
M: Mortgage
mAnner oF
pAYment
0: Too new to rate; approved but not used.
NORTH AMERICAN
STANDARD ACCOUNT
RATINGS
2: Pays (or paid) in more than 30 days from payment due date,
but not more than 60 days, or not more than two payments
past due.
1: Pays (or paid) within 30 days of payment due date or not over
one payment past due.
3: Pays (or paid) in more than 60 days from payment due date,
but not more than 90 days, or not more than three payments
past due.
4: Pays (or paid) in more than 90 days from payment due date,
but not more than 120 days, or four payments past due.
5: Account is at least 120 days overdue but is not yet rated “9”.
7: Making regular payments under a consolidation order or
similar arrangement.
8: Repossession (voluntary or involuntary return of merchandise).
9: Bad debt; placed for collection; skip account.
10
GLossArY
Key words are specific abbreviations in various sections of the credit file. Please use this list to interpret the
abbreviations when you see them.
ACC:
ACT PMT/AMT:
AGE:
AKA:
B:
Balance:
BDS:
BKRPT:
Bus/ID Code:
CA:
CASE NO:
CCYY/MM/DD
CDC:
CHKAC:
CRCLD:
Credit Limit:
CRT:
DAPA:
DEF:
Description:
DIS:
DLA:
DN:
DT OPND:
DT Closed:
DT RPTD:
EMP:
ES:
E2:
FA:
FAD:
FN:
FORCL:
FRST/DELQ:
FS:
High Credit:
ID:
IND:
INQS:
IN VOL:
INVER:
J:
JUDG:
LEFT:
LIAB:
LWR:
MATURE:
MEM#ID:
Trade line:
Inquiries
Involuntary
Indirectly verified
Joint
Judgment
Date left employment
Liabilities (amount)
Lawyer
Date of maturity
Equifax Member number Mortgage
Industry code is displayed (Example:
BB): mortgage issuer name/date
opened are masked
NSF:
Non-sufficient funds
NV:
Not Verified
PD:
Date paid
Past Due:
Past due amount as of date reported
PMT AMT:
Payment Terms
R/O/I/L/C/M:
Portfolio Types
PREV/MEM# ID: Previous Equifax Member number
PR/BK:
Proposal under bankruptcy
PR/OI:
Public records or other information
RPTD:
Date reported
RT:
Type of account and manner of
repayment: Current rating
SAVAC:
Savings account
SECLN:
Secured loan
SINCE:
Date file was established
SPECL:
Special notice item
SSS:
Social insurance/subject
STJD:
Satisfied judgment
STS:
System-to-system customer
TR:
Number of times the credit grantor
has reported an account update Trade
Payment
Profile:
Numeric summary of up to 36 months
of previous ratings
U:
Unknown
UN:
Unique file number
UPCL:
Unpaid collection
VER:
Date verified
VLDEP:
Voluntary deposit
VOL:
Voluntary
WRTN OFF/AMT: Actual amount written off by the credit
grantor
XX
Automatic file combine
Account number
Actual last payment amount by the
consumer
Age of subject
Also known as
Both
Amount owed at time of reporting
Birth date - Subject
Bankruptcy
Company name/ telephone/member
number
Current address
Case number
Year/Month/Day
Consumer debt counseling
Chequing account
Court consolidation
Maximum credit amount assigned to
the credit product
Update by in-house operator
Debtor assistance pool account
Defendant
Provides additional information about
the account
Dispute following resolution
Date of last activity by the consumer
Death notice
Date account was opened with the
credit grantor
Date of closure of the account
Date item was reported to Equifax
Date employed
Employment - subject
Subject’s second former Employment
Former address
File activity date
File number or former name (depends
on line)
Foreclosure
Date of first payment delinquency by
the consumer
Date file was established
Highest amount ever owed on the
product
Identification information
Individual
11
dAtA in its most
poWerFuL Form.
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