The Credit Bureau Report skill extracts data from credit bureau reports — the statements that credit bureaus (Experian, Equifax, TransUnion) issue with a borrower’s credit history and current debt situation, including loan payment history, credit account balances, and credit rating. Lenders use these reports to determine whether a borrower is meeting existing credit terms and to calculate potential interest rates. The Credit Bureau Report skill is a preview skill. It has been trained on a limited set of documents and is designed to help you quickly get started with processing credit bureau reports. For production use, you may need to uptrain the skill with your own document samples.Documentation Index
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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)