Basic Credit Report

• 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