How To Read An Equifax Credit Report - 700credit.com · telephone (404) 555-1212 crt rptd 07/03 410, orange grove, dr, san jose, ... gen info: this field is for additional information,

How To Read An Equifax Credit ReportCustomer Tutorial

2Equifax Confidential and Proprietary Information

Important Legal NoteThe information in this presentation is not to be relied

upon is not intended to be nor should it be used or construed as legal advice Equifax assumes no liability

for any errors or omissions in the information in this presentation Compliance with the Fair Credit

Reporting Act (FCRA) the Equal Credit Opportunity Act (ECOA) or their respective regulations is the

responsibility of each entity to which such laws apply All specific consumer customer and other third party

information in this presentation is fictitious

This presentation contains Equifax proprietary and confidential information Do not distribute or copy

Information Included in an Equifax Credit Reportbull Personal Information - Name address Social

Security number date of birth employment history

bull Credit History - Account details such as open date credit limit loan amount balance payment terms and history

bull Inquiries - Record of who has procured the credit report

bull Public Records and Collections - Liens bankruptcies judgments items being handled by a collection agency

Information NOT Included in an Equifax Credit Reportbull Checking or savings account databull Bankruptcies more than 10 years oldbull Charged-off debts or collection items more than

seven years oldbull Gender ethnicity religion or political affiliationbull Medical historybull Criminal recordsbull Motor vehicle recordsbull Actual items purchased by credit card

Permissible Purposes Under The FCRA

bull The Fair Credit Reporting Act limits the use of consumer reports to protect consumers privacy

bull All users must have a permissible purpose under the FCRA to obtain a consumer report

Permissible Purposes under the FCRA Include Without Limitationbull For the extension of credit as a result of an application

from a consumer bull For employment purposes including hiring and

promotion decisions where the consumer has given written permission

bull When there is a legitimate business need in connection with a business transaction that is initiated by the consumer

bull To review a consumers account to determine whether the consumer continues to meet the terms of the account

Equifax Database and Report Names

bull ACRO - An acronym for Automated Credit Report On-Line (Equifaxrsquos consumer credit database)

ndash ACROFILEndash ACROFILE PLUS

ACROFILE and ACROFILE PLUS both contain

ACROFILE PLUS contains items above plus

bull Address Discrepancy Messagebull Fraud and Active Duty Military Alertsbull Consumer Referral Messagebull Identificationbull Employmentbull Summary of File Itemsbull Public Records or Other Informationbull Inquiriesbull Trade

bull Summarized historical delinquency informationbull Collection items grouped in a separate section from public recordsbull Accounts grouped by trade type (revolving open and installment)

and subtotals calculated for eachbull Tradeline information stacked in a two-line formatbull A 24-month payment history that provides customers with a graphic

representation of the consumerrsquos delinquency history

SAMPLE REPORT ACROFILE amp ACROFILE PLUS

ADDRESS DISCREPANCY - NO SUBSTANTIAL DIFFERENCE

EXTENDED FRAUD VICTIM ACTIVE MILITARY

001 Equifax Information Services

P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

CONSUMER JOHN Q JR SINCE 031081 FAD 122805 FN-2389412 MAIN STATLANTA GA 30302 TAPE RPT 0703

TELEPHONE (404) 555-1212 CRT RPTD 0703410 ORANGE GROVE DR SAN JOSE CA 95119 CRT RPT 060046 KENNEDY DR DETROIT MI DAT RPT 0399

ALSO KNOWN AS - CCONSUMER JACKFORMER NAME - CONSUMER QUINCY

BDS-03031961 SSN 900-00-0000 SSN VER Y01 ALERT CONTACT - MILITARY RPTD- 07222005 EFFECT 07042005ADDRESS ndash 4000011 MAIN ST APARTMENT 50 TULSA OK 33333CELLULAR (11111) 770-444-5555PAGER (12222) 770-444-5555DAYTIME (13333) 770-444-5555 EXT-88888GEN INFO THIS FIELD IS FOR ADDITIONAL INFORMATION SUCH AS AN E-MAIL ADDRESS

Address Discrepancy Indicator MessageThe Fair and Accurate Credit Transaction Act (FACTA) obligates consumer reporting agencies (CRAs) to return an address discrepancy indicator where appropriate

If the inquiry address substantially differs from the address(es) on the credit file the following message will display ldquoADDRESS DISCREPANCY ndash A SUBSTANTIAL DIFFERENCE OCCURREDrdquo

Address Discrepancy Indicator Address Discrepancy Indicator MessageMessageThe Fair and Accurate Credit Transaction The Fair and Accurate Credit Transaction Act (FACTA) obligates consumer reporting Act (FACTA) obligates consumer reporting agencies (CRAs) to return an address agencies (CRAs) to return an address discrepancy indicator where appropriatediscrepancy indicator where appropriate

If the inquiry address substantially differs If the inquiry address substantially differs from the address(es) on the credit file the from the address(es) on the credit file the following message will display following message will display ldquoldquoADDRESS DISCREPANCY ADDRESS DISCREPANCY ndashndash A A SUBSTANTIAL DIFFERENCE OCCURREDSUBSTANTIAL DIFFERENCE OCCURREDrdquordquo

Fraud Alerts and Active Duty Military AlertThe FACTA obligates a CRA to indicate when a consumer has placed an initial or extended fraud alert or active duty military alert on his or her file

INITIAL FRAUD VICTIM (Alert stays on file for 90 days)EXTENDED FRAUD VICTIM(Alert stays on file for 7 years)ACTIVE DUTY MILITARY(Alert stays on file for 12 months)

When an Initial or Extended Fraud Victim alert or an Active Duty Military alert is added to the file the consumer may provide contact information to the CRA which must then include such information in the report

Fraud Alerts and Fraud Alerts and Active Duty Military AlertActive Duty Military AlertThe FACTA obligates a CRA to indicate The FACTA obligates a CRA to indicate when a consumer has placed an initial or when a consumer has placed an initial or extended fraud alert or active duty military extended fraud alert or active duty military alert on his or her file alert on his or her file

INITIAL FRAUD VICTIM INITIAL FRAUD VICTIM (Alert stays on file for 90 days)(Alert stays on file for 90 days)EXTENDED FRAUD VICTIMEXTENDED FRAUD VICTIM(Alert stays on file for 7 years)(Alert stays on file for 7 years)ACTIVE DUTY MILITARYACTIVE DUTY MILITARY(Alert stays on file for 12 months)(Alert stays on file for 12 months)

When an Initial or Extended Fraud Victim When an Initial or Extended Fraud Victim alert or an Active Duty Military alert is alert or an Active Duty Military alert is added to the file the consumer may added to the file the consumer may provide contact information to the CRA provide contact information to the CRA which must then include such information which must then include such information in the reportin the report

ADDRESS DISCREPANCY ndash NO SUBSTANTIAL DIFFERENCE

P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Consumer Referral MessageCredit reporting agency address and telephone number for consumer contact

The FCRA mandates that CRA contact information be provided on adverse action or declination letters when the decision is based on the credit report

Consumer Referral MessageConsumer Referral MessageCredit reporting agency address and Credit reporting agency address and telephone number for consumer contact telephone number for consumer contact

The FCRA mandates that CRA contact The FCRA mandates that CRA contact information be provided on adverse action information be provided on adverse action or declination letters when the decision is or declination letters when the decision is based on the credit reportbased on the credit report

P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

IdentificationAssists with verifying consumer informationIncludesbull Subject namebull SINCE - date file was establishedbull FAD - date of most recent activity bull FN - file number for internal usebull Up to three addresses ndash current and

formerbull Telephone numbersbull Also known as (AKA) and former name

(FN)bull Birth date(1) SSN and Social Security

Number Verified (2)

(1) Creditors may report age instead of birth date to protect the consumerrsquos privacy

(2) An optional service that reports if Social Security Number has been verified through major Equifax reporting customers Verification is not through the Social Security Administration

IdentificationIdentificationAssists with verifying consumer informationAssists with verifying consumer informationIncludesIncludesbullbull Subject nameSubject namebullbull SINCE SINCE -- date file was establisheddate file was establishedbullbull FAD FAD -- date of most recent activity date of most recent activity bullbull FN FN -- file number for internal usefile number for internal usebullbull Up to three addresses Up to three addresses ndashndash current and current and

formerformerbullbull Telephone numbersTelephone numbersbullbull Also known as (AKA) and former name Also known as (AKA) and former name

(FN)(FN)bullbull Birth date(1) SSN and Social Security Birth date(1) SSN and Social Security

Number Verified (2) Number Verified (2)

(1) Creditors may report age instead of birth (1) Creditors may report age instead of birth date to protect the consumerdate to protect the consumerrsquorsquos privacys privacy

(2) An optional service that reports if Social (2) An optional service that reports if Social Security Number has been verified Security Number has been verified through major Equifax reporting through major Equifax reporting customers Verification is not through the customers Verification is not through the Social Security AdministrationSocial Security Administration

Name SegmentbullRedefined fields

ndash Last Name ndash expanded from 25 to 51 positionsndash First Name ndash expanded from 15 to 25 positionsndash Middle Name ndash expanded from 15 to 25 positions

bullBenefitsndash Allows Equifax to provide longer names in keeping

with the current international practicesndash Enhances quality and accuracyndash Enhances the file search process (future

enhancement)

New Segmentsbull Other Identification Segment (OS) contains

ndash Date Reported ndash the date the OS segment was applied to the filendash Type Code Field ndash Denotes the type of data that resides in the Other

Identification Number field such as bull C = SIN S = SSN and T = Tax ID

ndash Other Identification Number such as Tax ID numberndash Reason codes to explain the type of ID added to the file

bull Tax ID

bull Minor Child SSN

bull Social Insurance Number (Canada)

bull Benefitsndash Assists in ID verification and fraud detectionprevention

EmploymentDisplays up to three employers (current and two previous) May include the following information (to the extent available)

bull Position bull Employer or firmbull City and state of employerbull Date employed date verified date left

Employment is listed by line number as follows

Line 01 = current employer (ES)Line 02 = former employer (EF)Line 03 = second former employer (E2)

EmploymentEmploymentDisplays up to three employers (current Displays up to three employers (current and two previous) May include the and two previous) May include the following information (to the extent following information (to the extent available)available)

bullbull Position Position bullbull Employer or firmEmployer or firmbullbull City and state of employerCity and state of employerbullbull Date employed date verified date leftDate employed date verified date left

Employment is listed by line number as Employment is listed by line number as followsfollows

Line 01 = current employer (ES)Line 01 = current employer (ES)Line 02 = former employer (EF)Line 02 = former employer (EF)Line 03 = second former employer (E2)Line 03 = second former employer (E2)

001 Equifax Information Services P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

01 ES- ENGINEER ACME MFG ATLANTA GA 060002 EF- ENGINEER CENTRAL POWER SAN JOSE CA03 E2- ENGINEER MAJOR MOTORSDETROITMI

Summary of File ItemsSnapshot of credit information found in

the file and includes

bull Oldest open date of tradebull Newest reported date of tradebull Presence of Public RecordsOther

Information (indicated by yes or no)bull FB-NO (Foreign Bureau) - File contains

no information from a non-Equifax affiliate

bull Number of trade lines (accounts) bull Range of high credit amountsbull Number of accounts with each current

status code (0-9) Example Four trade lines are rated ldquo1rdquo

Summary of File ItemsSummary of File ItemsSnapshot of credit information found in Snapshot of credit information found in

the file and includesthe file and includes

bullbull Oldest open date of tradeOldest open date of tradebullbull Newest reported date of tradeNewest reported date of tradebullbull Presence of Public RecordsOther Presence of Public RecordsOther

Information (indicated by yes or no)Information (indicated by yes or no)bullbull FBFB--NO (Foreign Bureau) NO (Foreign Bureau) -- File contains File contains

no information from a nonno information from a non--Equifax Equifax affiliateaffiliate

bullbull Number of trade lines (accounts) Number of trade lines (accounts) bullbull Range of high credit amountsRange of high credit amountsbullbull Number of accounts with each current Number of accounts with each current

status code (0status code (0--9) Example Four trade 9) Example Four trade lines are rated lines are rated ldquoldquo11rdquordquo

SUM- 0782-0106 PROI-YES FB-NO ACCTS7 HC$450-160K 4-ONES 1-TWO 1-FIVE 1 -OTHER

PUBLIC RECORDS OR OTHER INFORMATION04 0703 BKRPT 111VF000 12345678-DSP-0903 INDIVD PERSONAL

DISMSD CH-705 0106 COLL 0305 111YC00000 FOR

AMT$532 BAL$300 PAYMENT DLA1104 I654321MEDICAL

06 0503 ST JD 111VF000 $500 DEF-SUBJECT 12345 ANY BANK USA VER 0106 SATISFIED 0803

07 1105 LIEN 111VF000 1234567 $580VF12050106

SAMPLE REPORT ACROFILE

Historical DelinquencyIs added to the summary line and reflects the highest delinquency rating in either the maximum delinquency or 24-month history for each trade line

Inquiry AlertWhen 3 or more inquiries are present within a 90 day period an alert message will display

Public Record DisplayACROFILE PLUS groups public records in a separate section from collections

Historical DelinquencyHistorical DelinquencyIs added to the summary line and reflects Is added to the summary line and reflects the highest delinquency rating in either the the highest delinquency rating in either the maximum delinquency or 24maximum delinquency or 24--month history month history for each trade line for each trade line

Inquiry AlertInquiry AlertWhen 3 or more inquiries are present When 3 or more inquiries are present within a 90 day period an alert message within a 90 day period an alert message will displaywill display

Public Record DisplayPublic Record DisplayACROFILE PLUS groups public records in ACROFILE PLUS groups public records in a separate section from collectionsa separate section from collections

SUM- 0782-0106 PROI-YES COLL-YES FB-NO ACCTS7 HC$450-160K 4-ONES 1-TWO 1-FIVE 1 -OTHER HIST DEL - 1-THREE 1-FOUR

INQUIRY ALERT - SUBJECT SHOWS 3 INQUIRIES SINCE 1005

DISMSD CH-705 0503 ST JD 111VF000 $500 DEF-SUBJECT 12345 ANY BANK USA VER

0106 SATISFIED 080306 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS LIST RPTD AMTBAL DLAECOA AGENCYCLIENT STATUSSERIAL0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321MEDICAL

SAMPLE REPORT ACROFILE PLUS

07 1105 LIEN 111VF000 1234567 $580VF12050106

Public RecordsInformation collected from city state and federal courthouses by third-party vendors Once retrieved this information is incorporated into the body of the credit file and may include

bull Bankruptcybull Judgmentbull Lien

Public RecordsPublic RecordsInformation collected from city state and Information collected from city state and federal courthouses by thirdfederal courthouses by third--party party vendors Once retrieved this information vendors Once retrieved this information is incorporated into the body of the credit is incorporated into the body of the credit file and may include file and may include

bullbull BankruptcyBankruptcybullbull JudgmentJudgmentbullbull LienLien

SUM- 0782-0106 PROI-YES COLL-YESFB-NO ACCTS7 HC$450-160K 4-ONES 1-TWO 1-FIVE 1 -OTHER HIST DEL - 1-THREE 1-FOUR

Public Records Displayed in the ACROFILE PLUS format

Public Records Displayed in the Public Records Displayed in the ACROFILE PLUS formatACROFILE PLUS format

PUBLIC RECORDS OR OTHER INFORMATION 04 0703 BKRPT 111VF000 12345678-DSP-0903 INDIVD PERSONAL DISMSD CH-705 0503 ST JD 111VF000 $500 DEF-SUBJECT 12345 ANY BANK USA VER

0106 SATISFIED 080306 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcybull Date filed (0703)bull Courthouse customer number

(111VF000)bull Case number (12345678) and

disposition date bull Filer (individual)bull Type of bankruptcy (personal)bull Disposition and Chapter

(dismissed Chapter 7)

BankruptcyBankruptcybullbull Date filed (0703)Date filed (0703)bullbull Courthouse customer number Courthouse customer number

(111VF000)(111VF000)bullbull Case number (12345678) and Case number (12345678) and

disposition date disposition date bullbull Filer (individual)Filer (individual)bullbull Type of bankruptcy (personal)Type of bankruptcy (personal)bullbull Disposition and Chapter Disposition and Chapter

(dismissed Chapter 7)(dismissed Chapter 7)

Dismissed (DISMSD) indicates the bankruptcy was not accepted by the court and discharged (DSCHGD) indicates the bankruptcy was grantedChapter 7 is a straight bankruptcy with the debtors assets distributed to the creditors and Chapter 13 (Wage Earner Plan) is a court-arranged payment plan

Dismissed (DISMSD) indicates the bankruptcy was not accepted Dismissed (DISMSD) indicates the bankruptcy was not accepted by the court and discharged (DSCHGD) indicates the bankruptcy by the court and discharged (DSCHGD) indicates the bankruptcy was grantedwas grantedChapter 7 is a straight bankruptcy with the debtors assets Chapter 7 is a straight bankruptcy with the debtors assets distributed to the creditors and Chapter 13 (Wage Earner Plan) distributed to the creditors and Chapter 13 (Wage Earner Plan) is is a courta court--arranged payment planarranged payment plan

Bankruptcy Segmentbull New Fields

ndash Prior IntentDisposition Code ndash contains a code that indicates the status of the bankruptcies prior to that in the Current IntentDisposition Code fieldbull Added to address customer needs to track bankruptcies

that move from one type of filing to another (ex Chapter 13 to a Chapter 7)

ndash Current Disposition Date ndash contains the date of the final status of the case (previously stored in the case number field)bull Added to create a specific field for this information Assists

in model development

Bankruptcy Segment contrsquod

bull New Fieldsndash Verified Date ndash contains the date that the

information contained in the bankruptcy was verified manually (previously stored in the case number field)bull Added to create a specific field for this information

ndash Date Reported ndash The date the bankruptcy was reported to Equifaxbull Currently only Date Filed is provided

bull Enhances file quality

Abstract of Judgmentbull Date filed (0503)bull Courthouse customer number

(111VF000)bull Amount of Judgmentbull Defendant is the subjectbull Case number (12345)bull Plaintiff is Any Bank USAbull Date item was verified (0106)bull Status (satisfied)bull Date Satisfied (0803)

Lienbull Date filed (1105)bull Courthouse customer number

(111VF000)bull Case number (1234567)bull Amount Due ($580)bull Industry code (Federal or State)bull Date released (1205)bull Date verified (0106)

Abstract of JudgmentAbstract of Judgmentbullbull Date filed (0503)Date filed (0503)bullbull Courthouse customer number Courthouse customer number

(111VF000)(111VF000)bullbull Amount of JudgmentAmount of Judgmentbullbull Defendant is the subjectDefendant is the subjectbullbull Case number (12345)Case number (12345)bullbull Plaintiff is Any Bank USAPlaintiff is Any Bank USAbullbull Date item was verified (0106)Date item was verified (0106)bullbull Status (satisfied)Status (satisfied)bullbull Date Satisfied (0803)Date Satisfied (0803)

LienLienbullbull Date filed (1105)Date filed (1105)bullbull Courthouse customer number Courthouse customer number

(111VF000)(111VF000)bullbull Case number (1234567)Case number (1234567)bullbull Amount Due ($580)Amount Due ($580)bullbull Industry code (Federal or State)Industry code (Federal or State)bullbull Date released (1205)Date released (1205)bullbull Date verified (0106)Date verified (0106)

PUBLIC RECORDS OR OTHER INFORMATION04 0703 BKRPT 111FV000 12345678-DSP-0903 INDIVD PERSONAL

06 0106 COLL 0604 111YC01243 ABC COLL FOR METRO TELEAMT $58 BAL$0 PAID DLA 0504 I 51150

08 1105 LIEN 111VF000 1234567 $580VF12050106

CollectionsAccounts placed with third party collection agencies are found in this section of the ACROFILE format Collection items includebull Date reported (0106)bull Date assigned to collection agency

(0305)bull Agency customer number (111YC00000)bull Agencyrsquos name and agencyrsquos client (FOR ndash not stated)bull Amount originally owed ($532)bull Balance due ($300)bull Date of last payment also date of

balance (1104)bull ECOA - whose account (individual) See

bull Account number (654321)bull Medical debt

NOTE The FCRA prohibits the original creditor from being disclosed on medical debts

CollectionsCollectionsAccounts placed with third party Accounts placed with third party collection agencies are found in this collection agencies are found in this section of the ACROFILE format section of the ACROFILE format Collection items includeCollection items includebullbull Date reported (0106)Date reported (0106)bullbull Date assigned to collection agency Date assigned to collection agency

(0305)(0305)bullbull Agency customer number (111YC00000)Agency customer number (111YC00000)bullbull AgencyAgencyrsquorsquos name and agencys name and agencyrsquorsquos client (FOR s client (FOR ndashndash not stated)not stated)bullbull Amount originally owed ($532)Amount originally owed ($532)bullbull Balance due ($300)Balance due ($300)bullbull Date of last payment also date of Date of last payment also date of

balance (1104)balance (1104)bullbull ECOA ECOA -- whose account (individual) See whose account (individual) See

slide 30bullbull Account number (654321)Account number (654321)bullbull Medical debtMedical debt

NOTE The FCRA prohibits the original creditor NOTE The FCRA prohibits the original creditor from being disclosed on medical debtsfrom being disclosed on medical debts

Collectionbull Date listed with collection agency (0305)bull Date last reported to CRA (0106)bull Amount Owed ($532) and balance ($300)bull Date of balance (0104)bull ECOA-whose account (individual)bull Agency customer number (111YC00000)bull Agency name ndash not statedbull Status (payment)bull Serial number is the account number

(654321)bull MEDICAL - indicates agency client for a

medical account

CollectionCollectionbullbull Date listed with collection agency (0305)Date listed with collection agency (0305)bullbull Date last reported to CRA (0106)Date last reported to CRA (0106)bullbull Amount Owed ($532) and balance ($300)Amount Owed ($532) and balance ($300)bullbull Date of balance (0104)Date of balance (0104)bullbull ECOAECOA--whose account (individual)whose account (individual)bullbull Agency customer number (111YC00000)Agency customer number (111YC00000)bullbull Agency name Agency name ndashndash not statednot statedbullbull Status (payment)Status (payment)bullbull Serial number is the account number Serial number is the account number

(654321)(654321)bullbull MEDICAL MEDICAL -- indicates agency client for a indicates agency client for a

medical accountmedical account

Collection Segment 60bull New Fields

ndash Creditor Classification ndash indicates the type of business of the original creditor bull Added to assist in identifying type of collections

bull Only reported if a Third Party Collection agency supplies the information (It is not required)

ndash Last Payment Date ndash captures the last date a collection payment was receivedbull Shows the date the consumer last made a payment on the account

ndash Date of 1st Delinquency (previously the date of last activity) ndash indicates the date of first delinquency as reported by the original creditor

bull Added to reflect currently reported values

FIRMID CODE RPTD OPND HC TRM BAL PD CS MR ECOA ACCOUNT NUMBERSKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705ACCOUNT CLOSED BY CREDIT GRANTOR

HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611TOWNCU 111FC000 1004 0899 LOST OR STOLEN CARD 24511ampEND OF REPORT EQUIFAX AND AFFILIATES - 010406

Tradelinesbull FIRMID CODE ndash Name and customer number of reporting company an asterisk indicates trade

information is from an automated data supplier (SKY BANK 111BB0000)bull RPTD ndash Date item was reported most customers report information monthly (0106)bull OPND ndash Date account was opened (1105)bull HC ndash High credit on revolving accounts may indicate credit limit (2500)bull TRM ndash Monthly repayment amount or number of months or years shown with M or Y in the field ($20)bull BAL ndash Balance owed as of reported date (650)bull PD ndash Past due amount as of reported date

TradelinesTradelinesbullbull FIRMID CODE FIRMID CODE ndashndash Name and customer number of reporting company an asterisk indiName and customer number of reporting company an asterisk indicates trade cates trade

information is from an automated data supplier (SKY BANK 111BB00information is from an automated data supplier (SKY BANK 111BB0000)00)bullbull RPTD RPTD ndashndash Date item was reported most customers report information monthDate item was reported most customers report information monthly (0106)ly (0106)bullbull OPND OPND ndashndash Date account was opened (1105)Date account was opened (1105)bullbull HC HC ndashndash High credit on revolving accounts may indicate credit limit (2High credit on revolving accounts may indicate credit limit (2500)500)bullbull TRM TRM ndashndash Monthly repayment amount or number of months or years shown witMonthly repayment amount or number of months or years shown with M or Y in the field ($20)h M or Y in the field ($20)bullbull BAL BAL ndashndash Balance owed as of reported date (650)Balance owed as of reported date (650)bullbull PD PD ndashndash Past due amount as of reported datePast due amount as of reported date

DLA 0106 RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

Tradelines (continued)bull CS ndash Type and current status of account (R1)bull MR ndash Months reviewed usually the number of months an account has been reported to Equifax (02)bull ECOA ndash Equal Credit Opportunity Act code indicates account owner (J) bull Account Number ndash Account number with reporting company usually truncated or partial account

number for security reasons (86911)bull DLA ndash Date of last activity either payment or purchase or the first delinquency Determines account

purge date (0106)

Tradelines (continued)Tradelines (continued)bullbull CS CS ndashndash Type and current status of account (R1)Type and current status of account (R1)bullbull MR MR ndashndash Months reviewed usually the number of months an account has beMonths reviewed usually the number of months an account has been reported to Equifax (02)en reported to Equifax (02)bullbull ECOA ECOA ndashndash Equal Credit Opportunity Act code indicates account owner (J) Equal Credit Opportunity Act code indicates account owner (J) bullbull Account Number Account Number ndashndash Account number with reporting company usually truncated or parAccount number with reporting company usually truncated or partial account tial account

number for security reasons (86911)number for security reasons (86911)bullbull DLA DLA ndashndash Date of last activity either payment or purchase or the first Date of last activity either payment or purchase or the first delinquency Determines account delinquency Determines account

purge date (0106)purge date (0106)

Display Tradelinebull Stacks tradelines in a two-line

formatbull Groups trade by type (revolving

open and installment)bull Provides subtotals which assist

with calculating debt-to-high credit ratios

bull Provides a 24-month history grid The grid displays asterisks when the account was paid as agreed or will display status (2-9) when there was a delinquency

bull A 24-month grid will not display if there have not been any delinquencies in the past two years

bull Provides a maximum delinquency Displays the most recenthighest delinquency before the 24 month history Example 0803-R4

Display TradelineDisplay Tradelinebullbull Stacks tradelines in a twoStacks tradelines in a two--line line

formatformatbullbull Groups trade by type (revolving Groups trade by type (revolving

open and installment)open and installment)bullbull Provides subtotals which assist Provides subtotals which assist

with calculating debtwith calculating debt--toto--high high credit ratioscredit ratios

bullbull Provides a 24Provides a 24--month history month history grid The grid displays asterisks grid The grid displays asterisks when the account was paid as when the account was paid as agreed or will display status (2agreed or will display status (2--9) 9) when there was a delinquency when there was a delinquency

bullbull A 24A 24--month grid will not display month grid will not display if there have not been any if there have not been any delinquencies in the past two delinquencies in the past two yearsyears

bullbull Provides a maximum Provides a maximum delinquency Displays the most delinquency Displays the most recenthighest delinquency recenthighest delinquency before the 24 month history before the 24 month history Example 0803Example 0803--R4R4

FIRM IDENT CODE CS RPTD LIMIT HICR BAL $ DLA MR (30-60-90+)MAXDELECOAACCT NUMBER OPND PDUE TERM 24 MONTH HISTORY-------------------------------------------------------------------------------------------------------------------------------------SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

ACCOUNT CLOSED BY CREDIT GRANTOR

REVOLVING TOTALS - - - 8978 6053155 185

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

bull Read the grid from left to rightbull The first field represents the previous monthrsquos activity based on the date reportedbull For the example above the ldquo4rdquo in the first field of the grid means the account was rated R4 in November

2005bull Every field represents the status of the previous month so the R3 occurred in October 2005 with an R2 in

September and August 2005 the account was current The next delinquency occurred in May 2005bull The slash in the middle separates the two-year period covered by the grid

bullbull Read the grid from left to rightRead the grid from left to rightbullbull The first field represents the previous monthThe first field represents the previous monthrsquorsquos activity based on the date reporteds activity based on the date reportedbullbull For the example above the For the example above the ldquoldquo44rdquordquo in the first field of the grid means the account was rated R4 iin the first field of the grid means the account was rated R4 in November n November

20052005bullbull Every field represents the status of the previous month so the Every field represents the status of the previous month so the R3 occurred in October 2005 with an R2 in R3 occurred in October 2005 with an R2 in

September and August 2005 the account was current The next delSeptember and August 2005 the account was current The next delinquency occurred in May 2005inquency occurred in May 2005bullbull The slash in the middle separates the twoThe slash in the middle separates the two--year period covered by the gridyear period covered by the grid

FIRM IDENT CODE CS RPTD LIMIT HICR BAL $ DLA MR (30-60-90+)MAXDELECOAACCT NUMBER OPND PDUE TERM 24 MONTH HISTORY----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

How to Read a 24-month History

SAMPLE REPORT Codes for ACROFILE and ACROFILE PLUS

Narrative CodesCreditors can further describe information about an account by including a narrative code via their monthly reporting Currently there are 253 narrative codes from which to choose Example Account Closed By Credit GrantorStatus CodesCreditors can prevent a tradeline from being updated so the consumer is not penalized due to extenuating circumstances such as when a credit card is lost or stolen or the consumer is deceased These codes are displayed overlaying the tradeline information Example Lost or Stolen CardDate File AccessedDisplays the date the credit report was accessed by the customer (is also the inquiry date that posts to the consumerrsquos file) Also serves as a notification to the customer that transmission of the report is now complete

Narrative CodesNarrative CodesCreditors can further describe information about an account by iCreditors can further describe information about an account by including a narrative code via their monthly ncluding a narrative code via their monthly reporting Currently there are 253 narrative codes from which reporting Currently there are 253 narrative codes from which to choose Example Account Closed By Credit to choose Example Account Closed By Credit GrantorGrantorStatus CodesStatus CodesCreditors can prevent a tradeline from being updated so the consCreditors can prevent a tradeline from being updated so the consumer is not penalized due to extenuating umer is not penalized due to extenuating circumstances such as when a credit card is lost or stolen or tcircumstances such as when a credit card is lost or stolen or the consumer is deceased These codes are he consumer is deceased These codes are displayed overlaying the tradeline information Example Lost odisplayed overlaying the tradeline information Example Lost or Stolen Cardr Stolen CardDate File AccessedDate File AccessedDisplays the date the credit report was accessed by the customerDisplays the date the credit report was accessed by the customer (is also the inquiry date that posts to the (is also the inquiry date that posts to the consumerconsumerrsquorsquos file) Also serves as a notification to the customer that tras file) Also serves as a notification to the customer that transmission of the report is now completensmission of the report is now complete

DLA 0106RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

TOWNCU 111FC000 1004 0782 LOST OR STOLEN CARD 24511ampEND OF REPORT EQUIFAX AND AFFILIATES - 010406

Trade Segmentbull New Fields

ndash Credit Limit ndash separate field that was previously stored in the high credit field with accompanying narrative

ndash Activity Designator ndash indicates the final status of the account such as ldquoclosedrdquo ldquopaidrdquo ldquorefinancedrdquo etc

ndash Account Type ndash indicates the type of account such as ldquoautordquoldquosecuredrdquo etc Previously denoted with narrative code

ndash Last Payment Date ndash date of most recent paymentndash Date Major Delinquency 1st Reported ndash if the current ratestatus is 6

(future use) 8 9 M Z or narrative code is ldquo081rdquo (foreclosure) this date will reflect the first time that rate status or narrative code was reported

Trade Segment (continued)

ndash Scheduled Payment Amount ndash the contractual amount due for a payment period

ndash Terms Frequency ndash reflects how often the payments are due such as ldquoweeklyrdquo

ndash Closed Date ndash indicates the date the account was closedndash Mortgage Identification Number ndash contains the number assigned to a

mortgage loan that remains constant throughout the life of the loanbull Indicates that the loan is registered with the Mortgage Electronic

Registration Systems the electronic registry for tracking the ownership of mortgage rights

bull Assists with calculation of number of current mortgages on the file

ndash Actual Payment Amount ndash indicates the payment received for a reporting period

ndash Purchased FromSold ToOriginal Creditor Indicator ndash denotes if the account was purchased fromsold toor if the following name willindicate original creditorbull Only displayed System-to-System

ndash Purchased FromSold ToOriginal Creditor Name ndashname denotes who the account was either purchased from or sold to or the OriginalCreditorrsquos name ndash if factoring company (debt purchaser) trade

ndash Deferred Payment Start Date ndash contains the date the first payment is due for deferred loans

ndash Balloon Payment Amount ndash contains the amount of the balloon payment

ndash Balloon Payment Due Date ndash contains the date the balloon payment is due

ndash Previous High Rate gt Payment History ndash contains the highest ratestatus that occurred on the trade older than the payment history months selected by the customerbull Customer can select up to 48 months of payment history

24 months will contain both positive and negative values 36 and 48 months will contain negative values only

ndash Previous High Date gt Payment History ndash contains the date that the previous high rate occurred older than the payment history selected by the customer

ndash Original Charge-off Amount ndash the amount originally charged to loss by the creditor (regardless of the declining balance)

ndash Creditor Classification ndash the general type of business for the original creditor ndash applicable for factoring company (debt buyers) trade

ndash RateStatus ndash new value of ldquo6rdquo that will be used to identify trade collection accountsbull Only in the payment history grid Will continue to represent

in tradeline with a rate 5 and narrative code

ndash Payment History ndash Adding new values of ldquoErdquo (current account and zero balance) ldquo1rdquo (current account) and ldquo6rdquo (collection account) Also displays multiple occurrences of rates 6 8 and 9 when they are reported by the customerbull Available in Metro 2 values (future use)

Inquiriesbull A list of customers who received a copy

of the credit reportbull Inquiries are maintained to comply with

the FCRA requirement that a CRA must disclose to consumers who has procured a copy of their report

InquiriesInquiriesbullbull A list of customers who received a copy A list of customers who received a copy

of the credit reportof the credit reportbullbull Inquiries are maintained to comply with Inquiries are maintained to comply with

the FCRA requirement that a CRA must the FCRA requirement that a CRA must disclose to consumers who has disclose to consumers who has procured a copy of their reportprocured a copy of their report

PUBLIC RECORDS OR OTHER INFORMATION 04 0703 BKRPT 111VF000 12345678-DSP-0903 INDIVD PERSONAL

AMT $532 BAL $300 PAYMENT DLA 1104 I 654321MEDICAL

INQS-SUBJECT SHOWS 3 INQUIRIES SINCE 1005MCCARTERS 111DC000 120505 STAR GEMS 111JA000 081105SKYBANK 111BB0000 111805 FK 111FM0000 PRGCOLL 061505RETAILERS 111DC000 102205

InquiriesDisplay fieldsbull Customer name (McCarters)bull Customer number (111DC000)bull Date report received (120505)

An ldquoFKrdquo inquiry indicates a customer ordered a FINDERS report to assist them in locating a ldquoskippedrdquo consumer

A standard inquiry may have an impact on credit scores A FINDERS inquiry does not affect credit scores

Both types of inquiries remain on file for 24 months

InquiriesInquiriesDisplay fieldsDisplay fieldsbullbull Customer name (McCarters)Customer name (McCarters)bullbull Customer number (111DC000)Customer number (111DC000)bullbull Date report received (120505)Date report received (120505)

An An ldquoldquoFKFKrdquordquo inquiry indicates a customer inquiry indicates a customer ordered a FINDERS report to assist them ordered a FINDERS report to assist them in locating a in locating a ldquoldquoskippedskippedrdquordquo consumerconsumer

A standard inquiry may have an impact on A standard inquiry may have an impact on credit scores A FINDERS inquiry does credit scores A FINDERS inquiry does not affect credit scoresnot affect credit scores

Both types of inquiries remain on file for Both types of inquiries remain on file for 24 months24 months

Current Status of Account CodesCURRENT MANNER OF PAYMENT R O IToo new to rate approved but not used 0 0 0Paid As Agreed Satisfactory Current 1 1 1Pays 31-60 Days Not More Than 2 Payments Past Due 2 2 2Pays 61-90 Days Not More Than 3 Payments Past Due 3 3 3Pays 91-120 Days Not More Than 4 Payments Past 4 4 4Pays Over 120 Days 5 or More Payments Past Due 5 5 5Making Regular Payments Or Paid Under Wage EarnerPlan Or Similar Arrangements

Repossession 8 8 8Charged Off To Bad Debt 9 9 9

O = Open I = Installment

R = Revolving

Code Meaning

I Individual Account The subject of the report and no one else is responsible for payment on this account

J Joint Account The subject and another person (or other persons) are jointly responsible for payment on this account

A Authorized Use This is a shared account but one person has responsibility for payment while the other person (or other persons) does not

U Undesignated This code is an indication that the credit grantor does not have enough information to give the account a more specific designator code

SShared but otherwise undesignated This code is an indication that the credit grantor knows that the subject and at least one other person share the account but not enough information is available to designate the

either J (Joint) or A (Authorized Use)

C Co-maker The subject has co-signed for an installment loan and will be responsible for payment if the borrower should default

M Maker The subject is responsible for payment of an installment loan but a co-maker is involved as assurance that the loan will be repaid

BOn Behalf of Another Person The subject has financial responsibility for an account which is used exclusively by another person as when a father opens a charge account for his daughters use at college

T Terminated The subjects relationship to this account has ended although other parties who once shared the account with the subject may continue to maintain the account This code is used often after a divorce when

party continues to maintain an account while the other party is disassociated from it

ECOA Chart

ECOA Indicator Descriptions

bull Tradelines with favorable data are retained 10 years from the DLA if tradeline indicates a delinquency it will be retained 7 years from the DLA

bull Collection items paid or unpaid are retained 7 years from the DLA with the original credit grantor

bull Bankruptcies -Chapter 7 or 11 will be retained 10 years from the original date filed if open discharged or dismissed Chapter 12 or 13 discharged items are retained 7 years from the original date filed Open or dismissed will be retained 10 years from the original date filed

bull Judgments are retained 7years from the date filed

How long does data stay on file

How long does data stay on file - continued

bull Unpaid tax liens report indefinitely from the date filed Paid tax liens are reported 7years from the paidreleased date

bull Exceptions apply in CA and NY as followsbull CA-Paid liens are retained the earlier of 7 years from

paidreleased date or 10 years from the original filing date Unpaid liens are retained 10 years from the original filing date

bull NY-Satisfied judgments are retained 5Y from date filedbull NY-Paid and unpaid collection items are retained 5Y from

the DLA with the original creditorbull NY-Tradelines with a current status of 9 and balance not

stated or zero will be retained 5Y from the DLA

QuestionsQuestions

How To Read An Equifax Credit Report

Important Legal Note

Information Included in an Equifax Credit Report

Information NOT Included in an Equifax Credit Report

Permissible Purposes under the FCRA Include Without Limitation

Name Segment

New Segments

Bankruptcy Segment

Collection Segment 60

Trade Segment

Current Status of Account Codes

Questions


Customer Tutorial

Proprietary and Confidential - For Internal Use Only


The information in this presentation is not to be relied upon is not intended to be nor should it be used or construed as legal advice Equifax assumes no liability for any errors or omissions in the information in this presentation Compliance with the Fair Credit Reporting Act (FCRA) the Equal Credit Opportunity Act (ECOA) or their respective regulations is the responsibility of each entity to which such laws apply All specific consumer customer and other third party information in this presentation is fictitious



Information Included in an Equifax
Credit Report

Personal Information - Name address Social Security number date of birth employment history

Credit History - Account details such as open date credit limit loan amount balance payment terms and history

Inquiries - Record of who has procured the credit report

Public Records and Collections - Liens bankruptcies judgments items being handled by a collection agency


Information NOT Included in an Equifax
Credit Report

Checking or savings account data

Bankruptcies more than 10 years old

Charged-off debts or collection items more than seven years old

Gender ethnicity religion or political affiliation

Medical history

Criminal records

Motor vehicle records

Actual items purchased by credit card



The Fair Credit Reporting Act limits the use of consumer reports to protect consumers privacy

All users must have a permissible purpose under the FCRA to obtain a consumer report



For the extension of credit as a result of an application from a consumer

For employment purposes including hiring and promotion decisions where the consumer has given written permission

When there is a legitimate business need in connection with a business transaction that is initiated by the consumer

To review a consumers account to determine whether the consumer continues to meet the terms of the account



ACRO - An acronym for Automated Credit Report
On-Line (Equifaxrsquos consumer credit database)

ACROFILE

ACROFILE PLUS





Summarized historical delinquency information

Collection items grouped in a separate section from public records

Accounts grouped by trade type (revolving open and installment) and subtotals calculated for each

Tradeline information stacked in a two-line format

A 24-month payment history that provides customers with a graphic representation of the consumerrsquos delinquency history

Address Discrepancy Message

Fraud and Active Duty Military Alerts

Consumer Referral Message

Identification

Employment

Summary of File Items

Public Records or Other Information

Inquiries

Trade




EXTENDED FRAUD VICTIM

ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

CONSUMER JOHN Q JR SINCE 031081 FAD 122805 FN-238

9412 MAIN STATLANTA GA 30302 TAPE RPT 0703

TELEPHONE (404) 555-1212 CRT RPTD 0703

410 ORANGE GROVE DR SAN JOSE CA 95119 CRT RPT 0600

46 KENNEDY DR DETROIT MI DAT RPT 0399

ALSO KNOWN AS - CCONSUMER JACK

FORMER NAME - CONSUMER QUINCY

BDS-03031961 SSN 900-00-0000 SSN VER Y

01 ALERT CONTACT - MILITARY RPTD- 07222005 EFFECT 07042005

ADDRESS ndash 4000011 MAIN ST APARTMENT 50 TULSA OK 33333

CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888

GEN INFO THIS FIELD IS FOR ADDITIONAL INFORMATION SUCH AS AN E-MAIL ADDRESS

Address Discrepancy Indicator Message

The Fair and Accurate Credit Transaction Act (FACTA) obligates consumer reporting agencies (CRAs) to return an address discrepancy indicator where appropriate






ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and

Active Duty Military Alert

The FACTA obligates a CRA to indicate when a consumer has placed an initial or extended fraud alert or active duty military alert on his or her file

INITIAL FRAUD VICTIM

(Alert stays on file for 90 days)


(Alert stays on file for 7 years)

ACTIVE DUTY MILITARY

(Alert stays on file for 12 months)






ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888



Credit reporting agency address and telephone number for consumer contact






ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification

Assists with verifying consumer information

Includes

Subject name

SINCE - date file was established

FAD - date of most recent activity

FN - file number for internal use

Up to three addresses ndash current and former

Telephone numbers

Also known as (AKA) and former name (FN)

Birth date(1) SSN and Social Security Number Verified (2)




Name Segment

Redefined fields

Last Name ndash expanded from 25 to 51 positions

First Name ndash expanded from 15 to 25 positions

Middle Name ndash expanded from 15 to 25 positions

Benefits

Allows Equifax to provide longer names in keeping with the current international practices

Enhances quality and accuracy

Enhances the file search process (future enhancement)


New Segments

Other Identification Segment (OS) contains

Date Reported ndash the date the OS segment was applied to the file

Type Code Field ndash Denotes the type of data that resides in the Other Identification Number field such as

C = SIN S = SSN and T = Tax ID

Other Identification Number such as Tax ID number

Reason codes to explain the type of ID added to the file

Tax ID

Minor Child SSN

Social Insurance Number (Canada)

Benefits

Assists in ID verification and fraud detectionprevention




P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


01ES- ENGINEER ACME MFG ATLANTA GA 0600

02EF- ENGINEER CENTRAL POWER SAN JOSE CA

03 E2- ENGINEER MAJOR MOTORSDETROITMI

Employment

Displays up to three employers (current and two previous) May include the following information (to the extent available)

Position

Employer or firm

City and state of employer

Date employed date verified date left


Line 01 = current employer (ES)

Line 02 = former employer (EF)

Line 03 = second former employer (E2)







PUBLIC RECORDS OR OTHER INFORMATION

04 0703 BKRPT 111VF000 12345678-DSP-0903 INDIVD PERSONAL DISMSD CH-7

05 0106 COLL 0305 111YC00000 FOR

AMT$532 BAL$300 PAYMENT DLA1104 I654321

MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106


Snapshot of credit information found in the file and includes

Oldest open date of trade

Newest reported date of trade

Presence of Public RecordsOther Information (indicated by yes or no)

FB-NO (Foreign Bureau) - File contains no information from a non-Equifax affiliate

Number of trade lines (accounts)

Range of high credit amounts

Number of accounts with each current status code (0-9) Example Four trade lines are rated ldquo1rdquo






SUM- 0782-0106 PROI-YES COLL-YES FB-NO ACCTS7 HC$450-160K

4-ONES 1-TWO 1-FIVE 1 -OTHER HIST DEL - 1-THREE 1-FOUR





06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS

LIST RPTD AMTBAL DLAECOA AGENCYCLIENT STATUSSERIAL

0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Historical Delinquency

Is added to the summary line and reflects the highest delinquency rating in either the maximum delinquency or 24-month history for each trade line

Inquiry Alert

When 3 or more inquiries are present within a 90 day period an alert message will display

Public Record Display

ACROFILE PLUS groups public records in a separate section from collections






05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records

Information collected from city state and federal courthouses by third-party vendors Once retrieved this information is incorporated into the body of the credit file and may include

Bankruptcy

Judgment

Lien



SUM- 0782-0106 PROI-YES COLL-YESFB-NO ACCTS7 HC$450-160K






06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)

Courthouse customer number (111VF000)

Case number (12345678) and disposition date

Filer (individual)

Type of bankruptcy (personal)

Disposition and Chapter (dismissed Chapter 7)

Dismissed (DISMSD) indicates the bankruptcy was not accepted by the court and discharged (DSCHGD) indicates the bankruptcy was granted

Chapter 7 is a straight bankruptcy with the debtors assets distributed to the creditors and Chapter 13 (Wage Earner Plan) is a court-arranged payment plan


Bankruptcy Segment

New Fields

Prior IntentDisposition Code ndash contains a code that indicates the status of the bankruptcies prior to that in the Current IntentDisposition Code field

Added to address customer needs to track bankruptcies that move from one type of filing to another (ex Chapter 13 to a Chapter 7)

Current Disposition Date ndash contains the date of the final status of the case (previously stored in the case number field)

Added to create a specific field for this information Assists in model development



New Fields

Verified Date ndash contains the date that the information contained in the bankruptcy was verified manually (previously stored in the case number field)

Added to create a specific field for this information

Date Reported ndash The date the bankruptcy was reported to Equifax

Currently only Date Filed is provided

Enhances file quality






06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Abstract of Judgment

Date filed (0503)


Amount of Judgment

Defendant is the subject

Case number (12345)

Plaintiff is Any Bank USA

Date item was verified (0106)

Status (satisfied)

Date Satisfied (0803)

Lien

Date filed (1105)


Case number (1234567)

Amount Due ($580)

Industry code (Federal or State)

Date released (1205)

Date verified (0106)




04 0703 BKRPT 111FV000 12345678-DSP-0903 INDIVD PERSONAL DISMSD CH-7

05 0106 COLL 0305 111YC00000 FOR


MEDICAL

06 0106 COLL 0604 111YC01243 ABC COLL FOR METRO TELE

AMT $58 BAL$0 PAID DLA 0504 I 51150


08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections

Accounts placed with third party collection agencies are found in this section of the ACROFILE format Collection items include

Date reported (0106)

Date assigned to collection agency (0305)

Agency customer number (111YC00000)

Agencyrsquos name and agencyrsquos client (FOR ndash not stated)

Amount originally owed ($532)

Balance due ($300)

Date of last payment also date of balance (1104)

ECOA - whose account (individual) See slide 30

Account number (654321)

Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection

Date listed with collection agency (0305)

Date last reported to CRA (0106)

Amount Owed ($532) and balance ($300)

Date of balance (0104)

ECOA-whose account (individual)


Agency name ndash not stated

Status (payment)

Serial number is the account number (654321)

MEDICAL - indicates agency client for a medical account



New Fields

Creditor Classification ndash indicates the type of business of the original creditor

Added to assist in identifying type of collections

Only reported if a Third Party Collection agency supplies the information (It is not required)

Last Payment Date ndash captures the last date a collection payment was received

Shows the date the consumer last made a payment on the account

Date of 1st Delinquency (previously the date of last activity) ndash indicates the date of first delinquency as reported by the original creditor

Added to reflect currently reported values



FIRMID CODE RPTD OPND HC TRM BAL PD CS MR ECOA ACCOUNT NUMBER

SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611

TOWNCU 111FC000 1004 0899 LOST OR STOLEN CARD 24511

amp

END OF REPORT EQUIFAX AND AFFILIATES - 010406

Tradelines

FIRMID CODE ndash Name and customer number of reporting company an asterisk indicates trade information is from an automated data supplier (SKY BANK 111BB0000)

RPTD ndash Date item was reported most customers report information monthly (0106)

OPND ndash Date account was opened (1105)

HC ndash High credit on revolving accounts may indicate credit limit (2500)

TRM ndash Monthly repayment amount or number of months or years shown with M or Y in the field ($20)

BAL ndash Balance owed as of reported date (650)

PD ndash Past due amount as of reported date




SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines (continued)

CS ndash Type and current status of account (R1)

MR ndash Months reviewed usually the number of months an account has been reported to Equifax (02)

ECOA ndash Equal Credit Opportunity Act code indicates account owner (J)

Account Number ndash Account number with reporting company usually truncated or partial account number for security reasons (86911)

DLA ndash Date of last activity either payment or purchase or the first delinquency Determines account purge date (0106)



FIRM IDENT CODE CS RPTD LIMIT HICR BAL $ DLA MR (30-60-90+)MAXDEL

ECOAACCT NUMBER OPND PDUE TERM 24 MONTH HISTORY

-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222


REVOLVING TOTALS - - - 8978 6053

155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123

OPEN TOTALS - - - 450 123

- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline

Stacks tradelines in a two-line format

Groups trade by type (revolving open and installment)

Provides subtotals which assist with calculating debt-to-high credit ratios

Provides a 24-month history grid The grid displays asterisks when the account was paid as agreed or will display status (2-9) when there was a delinquency

A 24-month grid will not display if there have not been any delinquencies in the past two years

Provides a maximum delinquency Displays the most recenthighest delinquency before the 24 month history Example 0803-R4



Read the grid from left to right

The first field represents the previous monthrsquos activity based on the date reported

For the example above the ldquo4rdquo in the first field of the grid means the account was rated R4 in November 2005

Every field represents the status of the previous month so the R3 occurred in October 2005 with an R2 in September and August 2005 the account was current The next delinquency occurred in May 2005

The slash in the middle separates the two-year period covered by the grid



----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



SAMPLE REPORT Codes for ACROFILE and
ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes

Creditors can further describe information about an account by including a narrative code via their monthly reporting Currently there are 253 narrative codes from which to choose Example Account Closed By Credit Grantor

Status Codes

Creditors can prevent a tradeline from being updated so the consumer is not penalized due to extenuating circumstances such as when a credit card is lost or stolen or the consumer is deceased These codes are displayed overlaying the tradeline information Example Lost or Stolen Card

Date File Accessed

Displays the date the credit report was accessed by the customer (is also the inquiry date that posts to the consumerrsquos file) Also serves as a notification to the customer that transmission of the report is now complete


Trade Segment

New Fields

Credit Limit ndash separate field that was previously stored in the high credit field with accompanying narrative

Activity Designator ndash indicates the final status of the account such as ldquoclosedrdquo ldquopaidrdquo ldquorefinancedrdquo etc

Account Type ndash indicates the type of account such as ldquoautordquo ldquosecuredrdquo etc Previously denoted with narrative code

Last Payment Date ndash date of most recent payment

Date Major Delinquency 1st Reported ndash if the current ratestatus is 6 (future use) 8 9 M Z or narrative code is ldquo081rdquo (foreclosure) this date will reflect the first time that rate status or narrative code was reported



Scheduled Payment Amount ndash the contractual amount due for a payment period

Terms Frequency ndash reflects how often the payments are due such as ldquoweeklyrdquo

Closed Date ndash indicates the date the account was closed

Mortgage Identification Number ndash contains the number assigned to a mortgage loan that remains constant throughout the life of the loan

Indicates that the loan is registered with the Mortgage Electronic Registration Systems the electronic registry for tracking the ownership of mortgage rights

Assists with calculation of number of current mortgages on the file

Actual Payment Amount ndash indicates the payment received for a reporting period



Purchased FromSold ToOriginal Creditor Indicator ndash denotes if the account was purchased fromsold toor if the following name will indicate original creditor

Only displayed System-to-System

Purchased FromSold ToOriginal Creditor Name ndashname denotes who the account was either purchased from or sold to or the Original Creditorrsquos name ndash if factoring company (debt purchaser) trade

Deferred Payment Start Date ndash contains the date the first payment is due for deferred loans

Balloon Payment Amount ndash contains the amount of the balloon payment

Balloon Payment Due Date ndash contains the date the balloon payment is due



Previous High Rate gt Payment History ndash contains the highest ratestatus that occurred on the trade older than the payment history months selected by the customer

Customer can select up to 48 months of payment history 24 months will contain both positive and negative values 36 and 48 months will contain negative values only

Previous High Date gt Payment History ndash contains the date that the previous high rate occurred older than the payment history selected by the customer

Original Charge-off Amount ndash the amount originally charged to loss by the creditor (regardless of the declining balance)

Creditor Classification ndash the general type of business for the original creditor ndash applicable for factoring company (debt buyers) trade



RateStatus ndash new value of ldquo6rdquo that will be used to identify trade collection accounts

Only in the payment history grid Will continue to represent in tradeline with a rate 5 and narrative code

Payment History ndash Adding new values of ldquoErdquo (current account and zero balance) ldquo1rdquo (current account) and ldquo6rdquo (collection account) Also displays multiple occurrences of rates 6 8 and 9 when they are reported by the customer

Available in Metro 2 values (future use)



Inquiries

A list of customers who received a copy of the credit report

Inquiries are maintained to comply with the FCRA requirement that a CRA must disclose to consumers who has procured a copy of their report



05 0106 COLL 0305 111YC00000 FOR

AMT $532 BAL $300 PAYMENT DLA 1104 I 654321

MEDICAL

06 0503 ST JD 111VF000 $500 DEF-SUBJECT 12345 ANY BANK USA

VER 0106 SATISFIED 0803

INQS-SUBJECT SHOWS 3 INQUIRIES SINCE 1005

MCCARTERS 111DC000 120505 STAR GEMS 111JA000 081105

SKYBANK 111BB0000 111805 FK 111FM0000 PRGCOLL 061505

RETAILERS 111DC000 102205



Inquiries

Display fields

Customer name (McCarters)

Customer number (111DC000)

Date report received (120505)






05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3


Tradelines with favorable data are retained 10 years from the DLA if tradeline indicates a delinquency it will be retained 7 years from the DLA

Collection items paid or unpaid are retained 7 years from the DLA with the original credit grantor

Bankruptcies -Chapter 7 or 11 will be retained 10 years from the original date filed if open discharged or dismissed Chapter 12 or 13 discharged items are retained 7 years from the original date filed Open or dismissed will be retained 10 years from the original date filed

Judgments are retained 7years from the date filed



Unpaid tax liens report indefinitely from the date filed Paid tax liens are reported 7years from the paidreleased date

Exceptions apply in CA and NY as follows

CA-Paid liens are retained the earlier of 7 years from paidreleased date or 10 years from the original filing date Unpaid liens are retained 10 years from the original filing date

NY-Satisfied judgments are retained 5Y from date filed

NY-Paid and unpaid collection items are retained 5Y from the DLA with the original creditor

NY-Tradelines with a current status of 9 and balance not stated or zero will be retained 5Y from the DLA


Questions


CodeMeaning

I

Individual Account The subject of the report and no one else is responsible for payment on this account

J

Joint Account The subject and another person (or other persons) are jointly responsible for payment on this

account

A

Authorized Use This is a shared account but one person has responsibility for payment while the other

person (or other persons) does not

U

Undesignated This code is an indication that the credit grantor does not have enough information to give the

account a more specific designator code

S

Shared but otherwise undesignated This code is an indication that the credit grantor knows that the subject

and at least one other person share the account but not enough information is available to designate the

account as


C

Co-maker The subject has co-signed for an installment loan and will be responsible for payment if the

borrower should default

M

Maker The subject is responsible for payment of an installment loan but a co-maker is involved as assurance

that the loan will be repaid

B

On Behalf of Another Person The subject has financial responsibility for an account which is used exclusively

by another person as when a father opens a charge account for his daughters use at college

T

Terminated The subjects relationship to this account has ended although other parties who once shared the

account with the subject may continue to maintain the account This code is used often after a divorce when


ECOA Chart

CURRENT MANNER OF PAYMENT ROI

Too new to rate approved but not used000

Paid As Agreed Satisfactory Current111

Pays 31-60 Days Not More Than 2 Payments Past Due

222


333

Pays 91-120 Days Not More Than 4 Payments Past

Due

444

Pays Over 120 Days 5 or More Payments Past Due

555

Making Regular Payments Or Paid Under Wage Earner

Plan Or Similar Arrangements

777

Repossession888

Charged Off To Bad Debt999

O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning





S Shared but otherwise undesignated This code is an indication that the credit grantor knows that the subject and at least one other person share the account but not enough information is available to designate the account as




B On Behalf of Another Person The subject has financial responsibility for an account which is used exclusively by another person as when a father opens a charge account for his daughters use at college

T Terminated The subjects relationship to this account has ended although other parties who once shared the account with the subject may continue to maintain the account This code is used often after a divorce when one


GUIDE TO READING STATUS OF ACCOUNT CODES

TYPE OF ACCOUNT TYPE OF ACCOUNT

CURRENT MANNER OF PAYMENT R O I R = Revolving

Too new to rate approved but not used 0 0 0 O = Open

Paid As Agreed Satisfactory Current 1 1 1 I = Installment

Pays 31-60 Days Not More Than 2 Payments Past Due 2 2 2



Pays Over 120 Days 5 or More Payments Past Due 5 5 5

Making Regular Payments Or Paid Under Wage EarnerPlan Or Similar Arrangements 7 7 7

Repossession 8 8 8

Charged Off To Bad Debt 9 9 9

Important Legal NoteThe information in this presentation is not to be relied

upon is not intended to be nor should it be used or construed as legal advice Equifax assumes no liability

for any errors or omissions in the information in this presentation Compliance with the Fair Credit

Reporting Act (FCRA) the Equal Credit Opportunity Act (ECOA) or their respective regulations is the

responsibility of each entity to which such laws apply All specific consumer customer and other third party

information in this presentation is fictitious

P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Number Verified (2)

enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Number Verified (2)

enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Number Verified (2)

enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Number Verified (2)

enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Number Verified (2)

enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Number Verified (2)

enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Number Verified (2)

enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Number Verified (2)

enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Number Verified (2)

enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Number Verified (2)

enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111

Number Verified (2)

enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


enhancement)

bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


bull Tax ID

07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


07 1105 LIEN 111VF000 1234567 $580VF12050106

08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


08 1105 LIEN 111VF000 1234567 $580VF12050106

medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


medical account

purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


purge date (0106)

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4J81750 1099 155 30 43222

----------------------------------------------------------------------------------------------------------------------TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08J75250 0195 - - - 123

OPEN TOTALS - - - 450 123- - - 123

----------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4J81711 1099 155 30 43222

R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


R = Revolving

Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


Code Meaning

ECOA Chart

QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8


QuestionsQuestions

Name Segment

New Segments

Bankruptcy Segment

Trade Segment

Questions


Customer Tutorial






Credit Report






Credit Report





Medical history

Criminal records
















ACROFILE

ACROFILE PLUS













Identification

Employment



Inquiries

Trade





ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Fraud Alerts and














ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888









ACTIVE MILITARY


P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888


Identification


Includes

Subject name





Telephone numbers






Name Segment

Redefined fields




Benefits





New Segments







Tax ID

Minor Child SSN


Benefits





P O BOX 740241 ATLANTA GA 30374-0241 800 685-1111








BDS-03031961 SSN 900-00-0000 SSN VER Y



CELLULAR (11111) 770-444-5555

PAGER (12222) 770-444-5555

DAYTIME (13333) 770-444-5555 EXT-88888





Employment


Position

Employer or firm















05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106





















06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL



Inquiry Alert









05 0106 COLL 0305 111YC00000 FOR


MEDICAL


07 1105 LIEN 111VF000 1234567 $580VF12050106

Public Records


Bankruptcy

Judgment

Lien









06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0302 0106 $532 0102 111YC00000 PAYMENT

$300 I 654321

MEDICAL







06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106

Bankruptcy

Date filed (0703)



Filer (individual)






Bankruptcy Segment

New Fields







New Fields











06 1105 LIEN 111VF000 1234567 $580 VF 1205 0106


Date filed (0503)


Amount of Judgment


Case number (12345)



Status (satisfied)


Lien

Date filed (1105)



Amount Due ($580)








05 0106 COLL 0305 111YC00000 FOR


MEDICAL




08 1105 LIEN 111VF000 1234567 $580VF12050106

Collections







Balance due ($300)




Medical debt










06 1105 LIEN 111VF000 1234567 $580VF12050106

COLLECTION ITEMS


0305 0106 $532 0104 111YC00000 PAYMENT

$300 I 654321

MEDICAL

Collection








Status (payment)





New Fields











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp


Tradelines











SKY BANK 111BB0000 0106 1105 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 155 R5 23 J 81711

30(03) 60(01) 90+(01) 1105-R41005-R30905-R2 DLA 0705


HOMES 111FM000 1205 0900 160K 1350 156K I2 63 I 85611


amp












-------------------------------------------------------------------------------------------------------------------------------------

SKY BANK 111BB0000 R1 0106 - - - 2500 650 0106 02

J86934 1105 - - - 20

TOWNCU 111FC000 R1 0106 - - - 5000 4500 0106 99

I27043 0799 - - - 135

RETAILERS 111DC00 R5 1205 - - - 1478 903 0705 23 (03-01-01) 0803-R4

J81750 1099 155 30 43222



155 185

----------------------------------------------------------------------------------------------------------------------

TRAVELCLUB111ON000 O1 0904 - - - 450 123 0904 08

J75250 0195 - - - 123


- - - 123

----------------------------------------------------------------------------------------------------------------------

Display Tradeline
















----------------------------------------------------------------------------------------------------------------------------------------

RETAILERS 111DC00 R5 1205 ----- 1478 903 0705 23 (03-01-01) 0803-R4

J81711 1099 155 30 43222



ACROFILE PLUS


SKY BANK 111BB0000 0106 0701 2500 20 650 R1 02 J 86911

DLA 0106

RETAILERS 111DC00 1205 1099 1478 30 903 R5 23 J 81711

30(03) 60(01) 90+(01) 0701-R40601-R30501-R2 DLA 0705



amp


Narrative Codes


Status Codes


Date File Accessed



Trade Segment

New Fields






































Inquiries





05 0106 COLL 0305 111YC00000 FOR


MEDICAL









Inquiries

Display fields









05 0106 COLL 0305 111YC00000 FOR


MEDICAL










Sheet1

Sheet2

Sheet3



Sheet1

Sheet2

Sheet3















Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code Meaning






















Repossession 8 8 8











Questions


CodeMeaning

I


J


account

A



U



S



account as


C



M



B



T




ECOA Chart





222


333


Due

444


555



777

Repossession888


O = Open

I = Installment

R = Revolving

UNKNOWN-0unknown

ECOA Chart

Code		Meaning

I		Individual Account The subject of the report and no one else is responsible for payment on this account

J		Joint Account The subject and another person (or other persons) are jointly responsible for payment on this account

A		Authorized Use This is a shared account but one person has responsibility for payment while the other person (or other persons) does not

U		Undesignated This code is an indication that the credit grantor does not have enough information to give the account a more specific designator code

S		Shared but otherwise undesignated This code is an indication that the credit grantor knows that the subject and at least one other person share the account but not enough information is available to designate the account as

	either J (Joint) or A (Authorized Use)

C		Co-maker The subject has co-signed for an installment loan and will be responsible for payment if the borrower should default

M		Maker The subject is responsible for payment of an installment loan but a co-maker is involved as assurance that the loan will be repaid

B		On Behalf of Another Person The subject has financial responsibility for an account which is used exclusively by another person as when a father opens a charge account for his daughters use at college

T		Terminated The subjects relationship to this account has ended although other parties who once shared the account with the subject may continue to maintain the account This code is used often after a divorce when one

	party continues to maintain an account while the other party is disassociated from it

GUIDE TO READING STATUS OF ACCOUNT CODES

	TYPE OF ACCOUNT			TYPE OF ACCOUNT

CURRENT MANNER OF PAYMENT		R	O		I	R = Revolving

Too new to rate approved but not used		0	0		0	O = Open

Paid As Agreed Satisfactory Current		1	1		1	I = Installment

Pays 31-60 Days Not More Than 2 Payments Past Due		2	2		2

Pays 61-90 Days Not More Than 3 Payments Past Due		3	3		3

Pays 91-120 Days Not More Than 4 Payments Past Due		4	4		4

Pays Over 120 Days 5 or More Payments Past Due		5	5		5

Making Regular Payments Or Paid Under Wage EarnerPlan Or Similar Arrangements		7	7		7

Repossession		8	8		8

Charged Off To Bad Debt		9	9		9

Documents

How To Read An Equifax Credit Report - 700credit.com · telephone (404) 555-1212 crt rptd 07/03 410, orange grove, dr, san jose, ... gen info: this field is for additional information,

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