Detailed Credit Report + Beacon (FICO) 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