Basic Experian Credit Report with no Score

• The Credit Profile report is a composite history of a consumer's credit and identification information.
  It is the most comprehensive credit decision making tool used in the industry today, providing timely
  and in-depth credit information that allows faster, more accurate, and cost-effective decisions.
  

  The Credit Profile report is a very effective credit information tool. It has an easy-to-read block format
  that contains relevant information designed to help customers make profitable credit decisions. In
  addition, optional display formats offer customer flexibility in tailoring a credit report to meet their
  specific operational needs.

  The Credit Profile report displays consumer information in a standard, objective, easy-to-read manner.
  Experian designed the Credit Profile report, with customer input, to be easy to interpret. Report
  features are listed below:

  
  • Groups similar information to enable customers to analyze data faster.
  • Displays public record information (i.e., bankruptcies, liens, and judgments against a
  consumer) before tradeline information because of its importance to the credit-granting
  process.
  • Automatically generates band and tradeline headings, making it easier to read.
  • Displays inquiries separately with the most recent inquiry first.
  • Asterisk (*) precedes important or derogatory information, bringing it to the customer's
  attention for closer review.
  • Address standardization for consistent search, match, and display.
  • Improved bestness rules for similar name and Social Security number.
  • AKA name based on source/date reported.

  • Counter indicating the number of credit grantors reporting the same address with the last
    subcode reporting the address displayed.
  • Demographic information including telephone number, driver's license number, home
    ownership status and GEO code displayed in a separate band (optional).
  • Score Factor Code definition display when a credit risk model is produced (optional).
    Two (2) tradeline formats (with new elements or with delinquency counters).
  • Selection of bands and band sequence options.
  • Tradeline sort sequence option.
  • No date rolling option.
  • New public record fields and statuses.
  • More detailed picture of payment pattern, including:
    -Account Condition field
    -New Status Codes
    -New Type Codes
    -New Special Comment Codes
    -Delinquency and derog counters
    -New Grid Codes
    -Twenty-five (25) month payment history
    -Maximum Payment Code and Date beyond payment profile
    -Months reviewed
    -Two (2) recent delinquency dates
    Benefits
  • FICO or National Risk Score
  • Credit Summary & Profile
  • Public Records
  • Detailed list of accounts