Countries and Languages
| Countries | Languages |
|---|---|
| Any | English |
Extracted Fields
| Field | Description |
|---|---|
| Bureau Source Code | The reporting national credit agency. Can have one of the following values: Experian (XPN), Equifax (EQF), TransUnion (TU) |
| Report Date | The report date |
Borrower
| Field | Description |
|---|---|
| Full Name | Information about the borrower. SSN stands for social security number |
| Last Name | Information about the borrower. SSN stands for social security number |
| First Name | Information about the borrower. SSN stands for social security number |
| Middle Name | Information about the borrower. SSN stands for social security number |
| Name Suffix | Information about the borrower. SSN stands for social security number |
| SSN | Information about the borrower. SSN stands for social security number |
| Date of Birth | Information about the borrower. SSN stands for social security number |
Co-Borrower
| Field | Description |
|---|---|
| Full Name | Information about the co-borrower. SSN stands for social security number |
| Last Name | Information about the co-borrower. SSN stands for social security number |
| First Name | Information about the co-borrower. SSN stands for social security number |
| Middle Name | Information about the co-borrower. SSN stands for social security number |
| Name Suffix | Information about the co-borrower. SSN stands for social security number |
| SSN | Information about the co-borrower. SSN stands for social security number |
| Date of Birth | Information about the co-borrower. SSN stands for social security number |
Address
| Field | Description |
|---|---|
| Full Address | The address of the borrower |
| Street | The address of the borrower |
| City | The address of the borrower |
| State | The address of the borrower |
| Zip Code | The address of the borrower |
Credit Score
| Field | Description |
|---|---|
| Score | The credit score |
| Bureau Source | The source credit agency |
| Date | The date on which the credit rating was reported |
| Factors | The risk factors. Can have one of the following values: 1 (too much unpaid outstanding debt) 2 (missed payments) 3 (too few revolving credit accounts), etc. |
Credit History
| Field | Description |
|---|---|
| ECOA | Specifies the information provided to the credit bureau with regards to the Equal Credit Opportunity Act. This field contains an alphanumeric character denoting a specific ECOA code: A (Authorized User) - the borrower is an authorized user of the account while another party has contractual responsibility I (Individual Account) - the borrower has contractual responsibility for the account and has primary responsibility for its payment J (Joint Account) - there are other parties aside from the borrower that have contractual responsibility, etc. |
| Creditor | The lending organization |
| Reported | The date on which the credit account was last checked |
| Opened | The date on which the credit account was opened |
| Last Active | The date on which the last activity occurred |
| High Credit | Highest monthly balance owed by the borrower over the account’s lifetime |
| Type | The credit type (e.g. installment, revolving) |
| Balance | The credit account balance |
| Terms | The credit terms |
| Past Due | The amount overdue |
| Number 30 Days Late | The number of payments late for at least 30 days |
| Number 60 Days Late | The number of payments late for at least 60 days |
| Number 90+ Days Late | The number of payments late for at least 90 days |
| Status | The account status. This field contains an alphanumeric character denoting a particular status: 05 - the account has been transferred to a different bank 11 - active account 13 - closed account, etc. |
| Bureau Source | The source credit agency |
Public Record
| Field | Description |
|---|---|
| Source | The source credit agency |
| Amount | The total amount owed across all accounts |
| Status Date | The status acquisition date |
| Action Type | The account action type |
| Status | The account status |
Key Fields
- Report Date
- Borrower Full Name
- Borrower SSN
- Co-Borrower Full Name
- Co-Borrower SSN
- Bureau Source Code: Experian (XPN), Equifax (EQF), or TransUnion (TU)