TUTraining Guide

Document Sample
TUTraining Guide Powered By Docstoc
					                                                                                                    Consumer Referral
                                                                                                        Message


                            TransUnion C redit R eport                                            This is the address and
                                                                                                   phone number of the
                                                                                                  reporting bureau. It is
                        PO Box 390, Springfield PA 19064, 800-888-4213                            provided to assist you
                                                                                                   and the consumer in
                                                                                                   the event of adverse
                                  Screened For: XX 001 - NTN Inc                                           action.
                                     Report Date: DD-MM-YYYY

                                                                                                   Personal Information
Screened Information
                                                                                                  Helps verify consumer
Consumer, Jonathan Quincy                           SSN ***-**-1111         DOB 10-Jan-1951          identification by
1014 WILLIAM ST #1                                                                                providing consumer’s
                                                                                                  name, social security
ELIZABETH NJ 07201-2637                                                                           number, date of birth,
                                                                                                     current address,
                                                                                                   previous addresses,
Personal Information                                                                               and known aliases.

JONATHAN QUINCY CONSUMER                            ***-**-1111             DOB: 10-Jan-1951           PLEASE NOTE:
1014 WILLIAM ST #1                                  From 01-Dec-2007                                   NTN’s Tenant
ELIZABETH NJ 07201-2637                                                                             Performance Report
                                                                                                   now screen’s multiple
1013 WILLIAM ST                                     From 01-Apr-2005                              states and alias names
ELIZABETH NJ 07201-2636                                                                           automatically when run
2 JOHNSON AVE                                       From 01-Dec-2001                                with the retail credit
CAPE MAY COURTHOUSE NJ 08210                                                                               report.
2009 BACHARACH ST
ATLANTIC CITY NJ 08401
                                                                                                  Employer Information

Employment Information                                                                             This section includes
                                                                                                     employer’s name,
Current                                                                                               occupation, and
Company: LOCAL 394            Occupation: Unknown   Verified: 16-May-2008                         verification date for the
Previous                                                                                           current and previous
Company: BARHAM MCBRIDE Occupation: Unknown         Verified: 20-Feb-2005                                employers.


Summary                                                                                               Retail Summary
Total Trades:           3     Historically 30:      1       Account Balance:            N/A
                                                                                                   This section contains
Current Trades:         3     Historically 60:      1       Monthly Pymnt:              N/A            18 significant
Unrated Trades:         0     Historically 90+:     0       Credit Limit:               $2,500     calculations from the
Trades Now Past Due:    1     Inquiries:            10      High Credit:                $11,196    Credit Profile Report
Trades Now Negative:    1     Inq Last 6 Mos:       4       Amt Past Due:               N/A
                                                                                                       Click here for
Hist Negative Trades:   1     Public Recs:          1       Orig Collection Amt:        $0              descriptions
                              Collections:          2

                                                                                                      Public Records

Public Records                                                                                           Public Record
                                                                                                         Information is
Record Type                   Date Reported         Member Number           Amount                      maintained on a
Court Type                    Date Paid             Plaintiff               Assets                     consumer’s file in
Docket                                              Attorney                Liability                compliance with the
                                                                                                    Fair Credit Reporting
Judgement                     06-Feb-2008                                   $815                       Act (FCRA). This
UNION CNTY DIST COURT                               ST ELIZABETH HOSPITAL   N/A                   information is obtained
1000001DC                                                                   N/A                   from county, state, and
                                                                                                      federal courts and
                                                                                                   includes bankruptcies,
                                                                                                    liens and civil actions
                                                                                                   against the consumer.

                                                                                                       Click here for
                                                                                                        descriptions
Trade Lines
Firm Name/ID              Opened            CredLim     Balance      MoPmntPay Pattern          30 60 90            Trade Lines
Account Number            Reported          HighCred    PastDue      MoRep
Account Type              Last Act                      Owner        Terms                                       Provide an ongoing
Status                                                                                                          historical and current
                                                                                                                    record of the
AMEX/000000001            01-May-1997       N/A         $0           N/A                        0 0 0          consumer’s buying and
                          01-Nov-2008       $0          N/A          1                                           payment activities.

Open                                                    Individual                                                 Click here for
                                                                                                                    descriptions
Closed
1-AsAgreed
ACCOUNT CLOSED BY CONSUMER

CAPITAL 1 BK/000000002    01-Apr-2005       N/A         $0           N/A        1321111111111   1 1 0
                          01-Oct-2009       $230        N/A          18         111111

Revolving                                               Individual

Closed
1-AsAgreed
PAYMENT HISTORY : 09/2001-60; 08/2001-30
MAX DEL MOP : 03
ACCOUNT CLOSED BY CONSUMER
MAX DEL DATE : 09/01

FST USA BK B/000000004    01-May-1997       $2,500      $0            N/A       111111111111    0 0 0
                          01-Feb-2001       $2,500      N/A           29        111111111111
Revolving                 01-Oct-2001                   JointContract

Closed
1-AsAgreed
CREDIT LIMIT: 2500
ACCOUNT CLOSED BY CONSUMER


Trade Lines in Collections
                                                                                                                   Trade Lines in
Firm Name/ID              Opened            CredLim     Balance      MoPmnt     Pay Pattern     30 60 90             Collections
Account Number            Reported          High Cred   Past Due     MoRep
Account Type              Last Act                      Owner        Terms                                     Identifies Trade Lines
Status                                                                                                          that that have been
                                                                                                                listed as a collection
FIRST EXPRES/F1234569     27-Sep-2007       N/A         $6,164       N/A                        0     0    0         account(s).
                          19-Feb-2010       $11,196     $3,699
                          31-Mar-2009                   Individual   M
Closed
9-Collection
ACCOUNT WAS CLOSED BECAUSE OF CHARGE OFF OR REPOSSESSION
UNSECURED
PROFIT & LOSS WRITEOFF

Collections
Creditor                      Date Reported                    Member Number                    Balance              Collections
Industry Code                 Orig Amt Date                    Account Number                   Orig Amt
Status                                                                                          Closed          Identifies consumer
                                                                                                                accounts that have
Narratives                                                                                                     been transferred to a
                                                                                                                 professional debt
COLLECTION COMPANY OF         02-Feb-2009                      00000001                         $0                collecting firm.
                              01-Feb-2009                      100000001                        N/A
Closed                                                                                                             Click here for
COLLECTION AGENCY ATTORNEY                                                                                          descriptions
PAID ACCOUNT/WAS A COLLECTION ACCOUNT, INSURANCE CLAIM OR GOVERNMENT CLAIM OR WAS TERMINATED FOR
DEFAULT
ORIGINAL CREDITOR: VERIZON
RECENT DELINQUENCY DATE(S): 05/02
REVENUE RECOVERY GROUP        16-May-2009                         000000002                            $25
                              01-May-2009                         2000000002                           N/A
Closed
COLLECTION AGENCY ATTORNEY
ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTORS
INTERNAL COLLECTION DEPARTMENT.
ORIGINAL CREDITOR: ELIZABETH EMERGENCY PHYSICIANS
RECENT DELINQUENCY DATE(S): 05/03

                                                                                                                             Inquiries
Inquires                                                                                                                  Indicates a Credit
                                                                                                                          Profile Report was
Date           Subscriber Name           Subscriber #        |Date              Subscriber Name        Subscriber #
                                                                                                                        received on that date
23-Mar-2010    NATIONAL TENANT NETW      0000001             |21-Feb-2010       FINANCIAL ASSET MGMT   0000002
                                                                                                                          by the subscriber
09-Jan-2010    MORTGAGE SERVICES         0000003             |06-Dec-2009       LANDLORD PROTECT INC   0000004
                                                                                                                      listed. Subscriber name
17-Feb-2009    EQUIFAX MORTGAGE SER      0000005             |07-Dec-2008       AMERICAN EXPRESS       0000006
                                                                                                                           and account are
02-Oct-2008    SPRINT PCS                0000007             |16-May-2008       RETAIL AUTOMATION CR   0000008
                                                                                                                       shown. Amounts may
23-Feb-2008    DCS INC                   0000009             |20-Feb-2008       HHLD BANK              0000010
                                                                                                                           display from the
                                                                                                                         subscriber’s inquiry
                                                                                                                                 input.

Alert Messages
CONSUMER STATEMENT : DO NOT COMBINE
REC INQUIRIES ALERT : UNKNOWN (INQUIRIES IN LAST 60 DAYS=17)
ADDRESS DISCREPANCY ALERT: MISMATCH (INQUIRIES IN LAST 60 DAYS=00) SUBSTANTIAL DIFFERENCE BETWEEN THE
ADDRESS SUBMITTED IN THE CREDIT REQUEST AND THE ADDRESS(ES) IN THE CREDIT FILE. VERIFY IDENTITY OF CONSUMER
BEFORE GRANTING CREDIT. (FACT ACT)
SSN ALERT : MISMATCH (INQUIRIES IN LAST 60 DAYS=00)                                                          Alerts and Special
FICO RISK SCORE, CLASSIC (98) - REQUESTED PRODUCT DELIVERED;                                                      Messages
REGULAR HIT ON FILE-ALL FILES ARE RETURNED
NO SSN ON INPUT BUT SSN ON FILE                                                                          This section is comprised
                                                                                                             of Alert Messages
                                                                                                               attached to the
SCOR IN G                                                                                                      consumers file;
                                                                                                           including ID Mismatch
TransUnionEmpirica                                                                                         Alert, High Risk Fraud
691                                                                                                          Alerts, SSN year of
   (18) NUMBER OF ACCOUNTS WITH DELINQUENCY                                                              issuance, and Consumer
   (08) TOO MANY INQUIRIES IN LAST 12 MONTHS                                                                     Statements.
  (15) LACK OF RECENT BANK REVOLVING INFORMATION
  (14) INSUFFICIENT LENGTH OF CREDIT HISTORY
  INQUIRY ALERT: [I] INQUIRIES IMPACTED THE SCORE (FACT ACT)


                                                             Empirica Scoring

                                         The score range for Empirica is 336-843; the lower
                                                   the score, the greater the risk.

                                         EMPRICA ALERT message occurs when a credit file
                                          contains one or more of the following: previous
                                          bankruptcy, derogatory public records, collection
                                            activity or a Status Code of seven or higher.

                                          EMPRICA NOT SCORED: INSUFFICIENT CREDIT
                                         message occurs when a credit file does not contain
                                          a trade line opened for at least six months and a
                                            trade line updated within the last six months.

                                                              PLEASE NOTE:
                                            Scoring is an optional service. Please contact your
                                                  local NTN Office for more information.
RETAIL SUMMARY
*The following ratings and the decisions they reflect are established by the credit bureaus
TOTAL TRADES                    Total number of lines of credit (accounts) opened by the consumer
CURRENT TRADES                  Accounts in good standing with payments current; does not count
                                unrated or bankruptcy accounts
UNRATED TRADES                  Not all accounts are “rates” by the bureaus. These include payment
                                deferments and bankruptcy
TRADES NOW PAST DUE             Accounts with past due balances
TRADES NOW NEGATIVE             Past due accounts may become “negative” accounts if past due
                                payments are not paid promptly
HIST NEGATIVE TRADES            All accounts with a late payment pattern-consistently late
HISTORICALLY 30+                The number of times a payment has been historically late
HISTORICALLY 60+
HISTORICALLY 90+
INQUIRIES                       Total number of times consumer’s report has been accessed by
                                creditors
INQ LAST SIX MONTHS             Total number of times consumer’s report accessed by creditors within
                                the last six months
PUBLIC RECS                     Total number of Public Records; Typically reported in this category are
                                Judgments and Liens
COLLECTIONS                     Total number of Creditors seeking collection of delinquent amounts
ACCOUNT BALANCE                 Total of all existing account balances
MNTHLY PYMNT                    Total of all the consumer’s monthly payments reported; this amount
                                should be considered an estimate only
CREDIT LIMIT                    Maximum credit amount approved by credit grantor; includes only
                                current accounts in good standing
HIGH LIMIT                      Highest amount of credit ever owed on an account
AMT PAST DUE                    Total of all past due balances

PUBLIC RECORDS
RECORD TYPE                     Type of Public Record – Judgment, Lien, Etc.
COURT TYPE                      Court involved (Municipal, District, Superior, Etc.)
DOCKET                          Certificate or Docket number of legal action filed against consumer
DATE REPORTED                   Date the legal action was reported to the bureau; this may not match
                                the filing date
DATE PAID                       Date the delinquency was paid or satisfied or the case was dismissed
MEMBER NUMBER                   Account number of the original Creditor as registered with credit
                                bureau
PLAINTIFF                       Plaintiff Name
ATTORNEY                        Attorney Name
AMOUNT                          Liability and asset amounts for bankruptcy only
ASSETS

TRADE LINES
FIRM NAME/ID                    Reporting Creditor’s Name/ Identification Number
ACCOUNT NUMBER                  Consumer’s Account Number
ACCOUNT TYPE                    Type of Account – Revolving, Installment, Etc
STATUS                       See MOP Code Chart below
OPENED                       Date the account was opened
REPORTED                     Creditor’s typically update credit records with the bureau(s) Monthly;
                             This is the date of the Creditor’s last report of the status of the
                             account to the bureau
CREDLIM                      Maximum credit amount approved by Credit grantor
HIGHCRED                     Highest amount of credit granted on account
BALANCE                      Current balance on the account
PASTDUE                      The amount past due for the account
OWNER                        ECOA (Equal Credit Opportunity Act) inquiry and account designators
                             – see ECOA Chart below
MOPMNT                       Monthly payment amount the consumer is scheduled to pay on the
                             account
MOREP                        Indicates the total number of months history has been maintained for
                             the account
TERMS                        Number of payments, payment frequency, and dollar amount agreed
                             upon
PAY PATTERN                  The Consumer’s payment history during the past 25 months beginning
                             with the month represented by the balance date. The codes reflect the
                             status of the account for each month and are displayed only when the
                             Creditor reports account balances – see Payment Code chart below
30/60/90+                    Reflects the payment history of the account as of the balance date

COLLECTIONS
CREDITOR                     Name of Collection Agency or Creditor
INDUSTRY CODE                See ECOA chart below
STATUS                       Reports whether the trade is open or closed
NARRATIVES                   Account status message
DATE REPORTED                Creditor’s typically update credit records with the Bureau(s) monthly;
                             This is the date of the Creditor’s last report of the status of the
                             account to the bureau
ORIG AMT DATE                Date the amount was originally put for collection
MEMBER NUMBER                Member number of Creditor
ACCOUNT NUMBER               Account number of Creditor
BALANCE                      Balance owed on account
ORIG AMT                     Original amount owed on account




ECOA (Equal Credit Opportunity Act) Codes
A                        Authorized user of shared account
C                        Joint contractual liability
I                        Individual account for sole use of customer
M                        Account for which subject is liable, but co-signer has liability if the
                         maker defaults
P               Participant in shared account which cannot be distinguished as C or A
S               Account for which subject is co-signer and becomes liable if maker
                defaults
T               Relationship with account is terminated
U               Undesignated
X               Deceased

PAYMENT CODES
0               Too new to rate; approved but not used
1               Paid as agreed; satisfactory; current
2               Pays 31-60 days; not more than 2 payments past due
3               Pays 61-90 days; not more than 3 payments past due
4               Pays 91-120 days; not more than 4 payments past due
5               Pays over 120 days; not more than 5 payments or more past due
7               Making regular payments or paid under wage earner plan or similar
                arrangements
8               Repossession
9               Charge off to bad debt
X               No activity reported

MOP CODES
00              Not rated, too new to rate, or approved but not used
01              Pays as agreed
02              30-59 Days past the due date
03              60-89 days past the due date
04              90-119 days past the due date
05              120 days or more past the due date
07              Paying or paid under wage earner plan or similar arrangement
08              Repossession
8A              Voluntary repossession
8D              Legal repossession
8P              Paying or paid action with MOP 8
8R              Repossession; redeemed
09              Charged off to bad debt
9B              Collection account
9P              Paying or paid account with MOP 09 or 9B
UC              Unclassified
UR              Unrated

				
DOCUMENT INFO
Shared By:
Categories:
Stats:
views:206
posted:5/10/2010
language:English
pages:6
Description: trans union transunion credit report
Du Xirui Du Xirui AAAJX http://www.aaajx.com
About http://www.aaajx.com