Credit Summary Attributes

This document describes the attributes that you'll find in the CREDIT_SUMMARY sections of the credit report.

Attribute Structure

Each attribute is represented as an object in the CREDIT_SUMMARY._DATA_SET array. For example, here we see three attributes:

"CREDIT_SUMMARY": 
{
  "@BorrowerID": "Borrower01",
  "@_Name": "Attributes",
  "_DATA_SET": [ // The array that contains the attribute objects
    { // Attribute 1
      "@_ID": "AP001",
      "@_Value": "7",
      "@_Name": "Number of tradelines",
    },
    { // Attribute 2
      "@_ID": "AP002",
      "@_Value": "62",
      "@_Name": "Average age of open tradelines",
    },
    { // Attribute 3
      "@_ID": "AP003",
      "@_Value": "58",
      "@_Name": "Average age of open tradelines; exclude auth user and joint ecoa",
    },
    ...

Each object contains three properties:

  • @_ID is string token that uniquely identifies the attribute.

  • @_Valueis the value of the attribute. The value is always presented as a string, regardless of its natural data type. All attributes are included in the credit report; if an attribute isn't applicable the @_Value property is set to -3, -4, -5, or N/A; we'll look at these values more closely, below.

  • @_Name provides a description of the attribute using industry lingo. The descriptions in the tables, below, are more user-friendly, if terse.

Attributes with "Inapplicable" Values

In general, the four "inapplicable" @_Value values (N/A, -3, -4, -5) can be treated the same: They mean that the attribute doesn't apply to the borrower, and thus can't be measured. However, there are some differences between these values:

  • -3 means that the borrower has no open accounts.

  • -4 means that the report is empty. When a single attribute's value is -4, all of the other attributes will be -4 or N/A.

  • -5 means that the borrower has no items that the attribute is measuring. For example, if the borrower has no public records, the "G095S: Number of months since the most recent public record" attribute can't be measured, and thus is set to -5.

  • N/A is the same as -4.

Master List

This section lists all of the attributes sorted by @_ID value.

  • Unless otherwise noted, an attribute that's measured across accounts refers to all accounts that have ever been reported. For example "AP001: Number of accounts."" means the number of accounts that have ever appeared in the borrower's credit file, even if some of the accounts are now closed. If an attribute only measures open accounts, the description says so; for example, "AP002: Average age in months of an open account."

  • There are a handful of duplicate attributes. Duplicate entries provide alternative methods for measuring the same attribute.

@_IDDescription
AP001Number of accounts.
AP002Average age in months of an open account.
AP003Average age in months of an open account excluding authorized user and joint accounts.
AP004Number of hard inquiries in the past 24 months.
AP005Number of payments on all accounts.
AP006Credit utilization on open credit cards excluding authorized user accounts.
AP007Number of minor delinquencies across all accounts.
AP008Number of accounts that have had major derogatory marks.
AP009Is the borrower deceased? (1=yes; 0=no).
AP010Public record information.
AT01SNumber of accounts.
AT02SNumber of open accounts.
AT06SNumber of accounts opened in the past 6 months.
AT09SNumber of accounts opened in the past 24 months.
AT103SPercentage of open accounts that are rated as satisfactory.
AT104SPercentage of accounts that were opened in the past 24 months.
AT20SAge in months of the oldest account.
AT28ACredit limit on open accounts that have been active in the past 12 months.
AT28CCredit limit on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts.
AT33ABalance on open accounts that have been active in the past 12 months.
AT33BBalance on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts.
AT34ACredit utilization on open accounts that have been active in the past 12 months.
AT34CCredit utilization on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts.
AT36SNumber of months since the most recent delinquency.
AT57SPast due amount of open accounts that have been active in the past 12 months.
ATAP01Monthly payment on all accounts that have been active in the past 12 months.
AU28SCredit limit on open auto loans that have been active in the past 12 months.
AU33SBalance on open auto loans that have been active in the past 12 months.
AU34SCredit utilization on open auto loans that have been active in the past 12 months.
AU57SPast due amount of open auto loans that have been active in the past 12 months.
BC02SNumber of open credit cards.
BC06SNumber of credit cards that were opened in the past 6 months.
BC102SAverage credit limit on an open credit card account that has been active in the past 12 months.
BC12SNumber of open credit cards that have been active in the past 12 months.
BC20SAge in months of the oldest credit card account.
BC28SCredit limit on open credit cards that have been active in the past 12 months.
BC30SPercentage of open credit cards with 50%+ credit utilization that have been active in the past 12 months.
BC31SPercentage of open credit cards with 75%+ credit utilization that have been active in the past 12 months.
BC33SBalance on open credit cards that have been active in the past 12 months.
BC34SCredit utilization on open credit cards that have been active in the past 12 months.
BC57SPast due amount of open credit cards that have been active in the past 12 months.
CO04SNumber of months since the most recent charge-off was reported.
FC04SNumber of months since the most recent foreclosure was reported.
G020SNumber of accounts with a maximum delinquency of 30 days late in the past 24 months.
G051SPercentage of accounts that have ever been delinquent.
G093SNumber of public records.
G094SNumber of bankruptcies.
G095SNumber of months since the most recent public record.
G103SNumber of months since the most recent inquiry.
G202AAvailable credit on open accounts that have been active in the past 12 months excluding installment accounts and mortgages.
G215BNumber of non-medical accounts in third-party collections that have a non-zero balance.
G217SPast due amount of all accounts that have been active in the past 12 months.
G218BNumber of accounts that are currently 30+ days late and that have been active in the past 12 months.
G224ANumber of non-medical accounts that have been 90+ days late.
G238SNumber of inquiries in the past 12 months excluding collections inquiries.
G244SNumber of inquiries including duplicates in the past 12 months.
G250ANumber of 30+-days-late reports on non-medical accounts.
G250BNumber of 30+-days-late reports on non-medical accounts in the past 12 months.
G250CNumber of 30+-days-late reports on non-medical accounts in the past 24 months.
G251ANumber of 60+-days-late reports on non-medical accounts.
G302SWorst rating on revolving accounts in the past 12 months.
G304SWorst rating on installment accounts in the past 12 months.
G310SWorst rating on all accounts in the past 12 months.
GB311Has a bankruptcy ever been reported? (1=yes, 0=no).
HI57SPast due amount of open home equity accounts that have been active in the past 12 months.
HR57SPast due amount of open home equity and line of credit accounts that have been active in the past 12 months.
IN02SNumber of open installment accounts.
IN06SNumber of installment accounts opened in the past 6 months.
IN28SCredit limit on open installment accounts that have been active in the past 12 months.
IN33SBalance on open installment accounts that have been active in the past 12 months.
IN34SCredit utilization on open installment accounts that have been active in the past 12 months.
IN36SNumber of months since the most recent installment account delinquency.
IN57SPast due amount of open installment accounts that have been active in the past 12 months.
MT02SNumber of open mortgages.
MT06SNumber of mortgages opened in the past 6 months.
MT28SCredit limit on open mortgages that have been active in the past 12 months.
MT33SBalance on open mortgages that have been active in the past 12 months.
MT34SCredit utilization on open mortgages that have been active in the past 12 months.
MT36SNumber of months since the most recent mortgage delinquency.
MT57SPast due amount of open mortgages that have been active in the past 12 months.
PT014Monthly payment on all accounts.
PT016Credit utilization on revolving accounts.
PT017Balance on open revolving accounts.
PT019Monthly payment on mortgages.
PT020Balance on open mortgages.
PT021Monthly payment on auto loans.
PT022Initial reporting date (MMYYYY) of the oldest account.
PT023Age in months of the borrower's credit file.
PT027Number of delinquencies in the past 12 months.
PT038Number of inquiries in the past 6 months.
PT054Credit limit on open accounts.
PT056Balance on all accounts.
PT063Number of currently delinquent accounts.
PT064Number of currently delinquent revolving accounts.
PT065Number of currently delinquent installment accounts.
PT068Average balance on an open account.
PT069Number of charge-offs in the past 12 months.
PT071Number of delinquencies in the past 2 years.
PT072Number of delinquencies in the past 30 days.
PT073Number of delinquencies in the past 60 days.
PT074Number of delinquencies in the past 7 years.
PT076Initial reporting date (MMYYYY) of the oldest account.
PT079Age in months of the oldest installment account.
PT080Age in months of the oldest revolving account.
PT082Age in months of the newest account.
PT083Number of mortgage accounts.
PT088Number of months since an account has been 90+ days late.
PT089Number of accounts that were reported as 120+ days late in the past 2 months, and that continue to be 120+ days late.
PT090Number of accounts currently 30 days late.
PT091Number of accounts that have been 90+ days late in the past 24 months.
PT092Number of accounts opened in the past 12 months.
PT093Percentage of accounts that have never been delinquent.
PT094Number of accounts that have been 120 days late.
PT095Age in months of the oldest installment account.
PT103Credit limit on open installment accounts.
PT104Number of open accounts that are rated as satisfactory.
PT105Number of revolving accounts.
PT110Number of revolving accounts opened in the past 7 years.
PT111Credit limit on open revolving accounts.
PT112Available credit on open bankcard accounts that have been active in the past 6 months.
PT115Percentage of bankcard accounts with 75%+ credit utilization.
PT118Credit limit on open bankcard accounts.
PT119Number of bankcard accounts.
PT120Age in months of the newest bankcard account.
PT121Number of bankcard accounts opened in the past 6 months.
PT122Number of bankcard accounts that have never been delinquent.
PT125Number of months since the most recent bankcard delinquency.
PT126Credit utilization on bankcard accounts.
PT129Number of public records with a past due amount greater than $100.
PT130Number of tax liens.
PT132Balance on collection accounts.
PT133Number of repossessions.
PT134Number of foreclosures.
PT136Number of non-medical collection and charged-off accounts in the past 24 months.
PT137Balance on non-medical collection accounts in the past 6 months.
PT138Number of accounts that have been active in the past 6 months.
PT139Number of mortgages opened in the past 6 months.
PT140Number of open installment accounts opened in the past 24 months.
PT141Number of 30-days-late reports on mortgages in the past 12 months.
PT142Number of 30+-days-late reports on mortgages in the past 6 months.
PT143Number of 30-days-late reports in the past 12 months.
PT144Number of collection accounts that have a balance that's greater than $500.
PT145Balance on unsecured credit cards.
PT146Balance on unsecured accounts.
PT147Dollar amount of tax liens filed in the past 6 months.
PT148Dollar amount of judgments filed in the past 6 months.
PT149Number of public records filed in the past 24 months.
PT150Number of non-federal student loans.
PT151Number of repossessed auto loans.
PT153Credit utilization on installment accounts.
PT154Number of revolving accounts with a non-zero balance.
PT155Number of installment accounts opened in the past 12 months.
PT157Number of revolving accounts opened in the past 12 months.
PT158Number of revolving accounts opened in the past 24 months.
PT159Number of credit union accounts.
PT160Credit utilization on open accounts.
PT162Highest balance on a revolving account.
PT163Age in months of the newest installment account.
PT165Number of auto loans that have been 30 days late in the past 6 months.
PT166Number of auto loans opened in the past 6 months.
PT167Number of retail accounts opened in the past 6 months.
PT168Number of student loans opened in the past 12 months.
PT174Balance on non-medical collection accounts.
PT175Dollar amount of tax liens.
PT176Dollar amount of judgments.
PT177Credit limit on open credit cards.
PT178Credit limit on open retail accounts.
PT179Balance on open credit card accounts.
PT180Balance on open retail accounts.
PT181Age in months of the oldest account.
PT182Number of open credit cards.
PT183Number of open retail accounts.
PT184Number of accounts that have ever been delinquent.
PT185Number of accounts that have been 30+ days late in the past 6 months.
PT186Number of installment accounts that have been 60+ days late in the past 6 months.
PT187Balance on currently delinquent accounts.
PT188Worst rating on currently open accounts.
PT189Worst rating on mortgages in the past 12 months.
PT190Number of closed credit cards.
PT191Number of closed installment accounts.
PT192Available credit as a percentage of the credit limit on revolving accounts.
PT193Number of loans and credit cards applied for in the past 24 months.
PT194Number of installment accounts that have stayed current over the past 24 months.
PT195Highest credit limit on an open bank credit card.
PT196Number of collection accounts with a non-zero balance.
PT197Number of credit cards and retail accounts that have been 30+ days late in last 6 months.
PT198Number of open credit cards with a 90%+ credit utilization.
PT199Number of open retail accounts with a 90%+ credit utilization.
PT200Number of closed accounts.
PT201Number of open accounts.
PT202Balance on all accounts.
RE02SNumber of open revolving accounts.
RE06SNumber of revolving accounts opened in the past 6 months.
RE102SAverage credit limit on an open revolving account that have been active in the past 12 months.
RE12SNumber of open revolving accounts that have been active in the past 12 months.
RE20SAge in months of the oldest revolving account.
RE21SAge in months of the newest revolving account.
RE28SCredit limit on open revolving accounts that have been active in the past 12 months.
RE30SPercentage of open revolving accounts with 50%+ credit utilization that have been active in the past 12 months.
RE31SPercentage of open revolving accounts with 75%+ credit utilization that have been active in the past 12 months.
RE33SBalance on open revolving accounts that have been active in the past 12 months.
RE34SCredit utilization on open revolving accounts that have been active in the past 12 months.
RE36SNumber of months since the most recent revolving account delinquency.
RE57SPast due amount of open revolving accounts that have been active in the past 12 months.
RP04SNumber of months since the most recent repossession was reported.
S004SAverage age in months of an account.
S043SNumber of open accounts with 50%+ credit utilization that have been active in the past 12 months excluding installment accounts and mortgages.
S061SNumber of months since an account has been 60+ days late.
S062SNumber of months since an account has been 90+ days late.
S068ANumber of third-party collection accounts.
S114SNumber of inquiries in the past 6 months excluding duplicates, auto loan inquiries, and mortgage inquiries.
S204ABalance on non-medical third party collection accounts that have been active in the past 12 months.
S207ANumber of months since an account was reported as part of a bankruptcy.
S207SNumber of months since the most recent bankruptcy was filed.
S209ANumber of months since the most recent non-medical account fell into third party collections.
ST28SCredit limit on open student loans that have been active in the past 12 months.
ST33SBalance on open student loans that have been active in the past 12 months.
ST34SCredit utilization on open student loans that have been active in the past 12 months.
ST57SPast due amount of open student loans that have been active in the past 12 months.

Attributes by Category

The following subsections list and describe the credit summary attributes by category.

Number and Age of Accounts

@_IDDescription
PT023Age in months of the borrower's credit file.
PT082Age in months of the newest account.
PT120Age in months of the newest bankcard account.
PT163Age in months of the newest installment account.
RE21SAge in months of the newest revolving account.
AT20SAge in months of the oldest account.
PT181Age in months of the oldest account.
BC20SAge in months of the oldest credit card account.
PT079Age in months of the oldest installment account.
PT095Age in months of the oldest installment account.
PT080Age in months of the oldest revolving account.
RE20SAge in months of the oldest revolving account.
S004SAverage age in months of an account.
AP002Average age in months of an open account.
AP003Average age in months of an open account excluding authorized user and joint accounts.
PT022Date in MMYYYY format that the oldest account was first reported.
PT076Date in MMYYYY format that the oldest account was first reported
AP001Number of accounts
AT01SNumber of accounts
AT06SNumber of accounts opened in the past 6 months.
PT092Number of accounts opened in the past 12 months.
AT09SNumber of accounts opened in the past 24 months.
PT138Number of accounts that have been active in the past 6 months.
PT166Number of auto loans opened in the past 6 months.
PT119Number of bankcard accounts.
PT121Number of bankcard accounts opened in the past 6 months.
PT200Number of closed accounts.
PT190Number of closed credit cards.
PT191Number of closed installment accounts.
BC06SNumber of credit cards that were opened in the past 6 months.
PT159Number of credit union accounts.
IN06SNumber of installment accounts opened in the past 6 months.
PT155Number of installment accounts opened in the past 12 months.
PT194Number of installment accounts that have stayed current over the past 24 months.
PT193Number of loans and credit cards applied for in the past 24 months.
PT083Number of mortgage accounts.
PT139Number of mortgages opened in the past 6 months.
MT06SNumber of mortgages opened in the past 6 months.
PT150Number of non-federal student loans.
AT02SNumber of open accounts.
PT201Number of open accounts.
BC02SNumber of open credit cards.
PT182Number of open credit cards.
BC12SNumber of open credit cards that have been active in the past 12 months.
IN02SNumber of open installment accounts.
PT140Number of open installment accounts opened in the past 24 months.
MT02SNumber of open mortgages.
PT183Number of open retail accounts.
RE02SNumber of open revolving accounts.
RE12SNumber of open revolving accounts that have been active in the past 12 months.
PT167Number of retail accounts opened in the past 6 months.
PT105Number of revolving accounts.
RE06SNumber of revolving accounts opened in the past 6 months.
PT157Number of revolving accounts opened in the past 12 months.
PT158Number of revolving accounts opened in the past 24 months.
PT110Number of revolving accounts opened in the past 7 years.
PT168Number of student loans opened in the past 12 months.
PT104Number of open accounts that are rated as satisfactory.
AT104SPercentage of accounts that were opened in the past 24 months.
AT103SPercentage of open accounts that are rated as satisfactory.

Account Ratings

See Account Ratings for an explanation of the account rating systems and values.

@_IDDescription
G310SWorst rating on all accounts in the past 12 months.
PT188Worst rating on currently open accounts.
G304SWorst rating on installment accounts in the past 12 months.
PT189Worst rating on mortgages in the past 12 months.
G302SWorst rating on revolving accounts in the past 12 months.

Balances and Payments

@_IDDescription
PT068Average balance on an open account.
PT056Balance on all accounts.
PT202Balance on all accounts.
PT187Balance on currently delinquent accounts.
AT33ABalance on open accounts that have been active in the past 12 months.
AT33BBalance on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts.
AU33SBalance on open auto loans that have been active in the past 12 months.
PT179Balance on open credit card accounts.
BC33SBalance on open credit cards that have been active in the past 12 months.
IN33SBalance on open installment accounts that have been active in the past 12 months.
PT020Balance on open mortgages.
MT33SBalance on open mortgages that have been active in the past 12 months.
PT180Balance on open retail accounts.
PT017Balance on open revolving accounts.
RE33SBalance on open revolving accounts that have been active in the past 12 months.
ST33SBalance on open student loans that have been active in the past 12 months.
PT146Balance on unsecured accounts.
PT145Balance on unsecured credit cards.
PT162Highest balance on a revolving account.
PT014Monthly payment on all accounts.
ATAP01Monthly payment on all accounts that have been active in the past 12 months.
PT021Monthly payment on auto loans.
PT019Monthly payment on mortgages.
AP005Number of payments that have been made on all accounts.
PT154Number of revolving accounts with a non-zero balance.

Available Credit, Credit Limit, and Credit Utilization

@_IDDescription
PT192Available credit as a percentage of the credit limit on revolving accounts.
G202AAvailable credit on open accounts that have been active in the past 12 months excluding installment accounts and mortgages.
PT112Available credit on open bankcard accounts that have been active in the past 6 months.
BC102SAverage credit limit on an open credit card account that has been active in the past 12 months.
RE102SAverage credit limit on an open revolving account that have been active in the past 12 months.
PT054Credit limit on open accounts.
AT28ACredit limit on open accounts that have been active in the past 12 months.
AT28CCredit limit on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts.
AU28SCredit limit on open auto loans that have been active in the past 12 months.
PT118Credit limit on open bankcard accounts.
PT177Credit limit on open credit cards.
BC28SCredit limit on open credit cards that have been active in the past 12 months.
PT103Credit limit on open installment accounts.
IN28SCredit limit on open installment accounts that have been active in the past 12 months.
MT28SCredit limit on open mortgages that have been active in the past 12 months.
PT178Credit limit on open retail accounts.
PT111Credit limit on open revolving accounts.
RE28SCredit limit on open revolving accounts that have been active in the past 12 months.
ST28SCredit limit on open student loans that have been active in the past 12 months.
PT126Credit utilization on bankcard accounts.
PT153Credit utilization on installment accounts.
PT160Credit utilization on open accounts.
AT34ACredit utilization on open accounts that have been active in the past 12 months.
AT34CCredit utilization on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts.
AU34SCredit utilization on open auto loans that have been active in the past 12 months.
AP006Credit utilization on open credit cards excluding authorized user accounts.
BC34SCredit utilization on open credit cards that have been active in the past 12 months.
IN34SCredit utilization on open installment accounts that have been active in the past 12 months.
MT34SCredit utilization on open mortgages that have been active in the past 12 months.
RE34SCredit utilization on open revolving accounts that have been active in the past 12 months.
ST34SCredit utilization on open student loans that have been active in the past 12 months.
PT016Credit utilization on revolving accounts.
PT195Highest credit limit on an open bank credit card.
S043SNumber of open accounts with 50%+ credit utilization that have been active in the past 12 months excluding installment accounts and mortgages.
PT198Number of open credit cards with a 90%+ credit utilization.
PT199Number of open retail accounts with a 90%+ credit utilization.
PT115Percentage of bankcard accounts with 75%+ credit utilization.
BC30SPercentage of open credit cards with 50%+ credit utilization that have been active in the past 12 months.
BC31SPercentage of open credit cards with 75%+ credit utilization that have been active in the past 12 months.
RE30SPercentage of open revolving accounts with 50%+ credit utilization that have been active in the past 12 months.
RE31SPercentage of open revolving accounts with 75%+ credit utilization that have been active in the past 12 months.

Delinquencies

@_IDDescription
PT187Balance on currently delinquent accounts.
PT142Number of 30+-days-late reports on mortgages in the past 6 months.
G250ANumber of 30+-days-late reports on non-medical accounts.
G250BNumber of 30+-days-late reports on non-medical accounts in the past 12 months.
G250CNumber of 30+-days-late reports on non-medical accounts in the past 24 months.
PT143Number of 30-days-late reports in the past 12 months.
PT141Number of 30-days-late reports on mortgages in the past 12 months.
G251ANumber of 60+-days-late reports on non-medical accounts.
PT090Number of accounts currently 30 days late.
G218BNumber of accounts that are currently 30+ days late and that have been active in the past 12 months.
PT094Number of accounts that have been 120 days late.
PT185Number of accounts that have been 30+ days late in the past 6 months.
PT091Number of accounts that have been 90+ days late in the past 24 months.
PT089Number of accounts that have been 120+ days late in the past 2 months, and that continue to be 120+ days late.
PT184Number of accounts that have ever been delinquent.
AP008Number of accounts that have had major derogatory marks.
G020SNumber of accounts with a maximum delinquency of 30 days late in the past 24 months.
PT165Number of auto loans that have been 30 days late in the past 6 months.
PT122Number of bankcard accounts that have never been delinquent.
PT197Number of credit cards and retail accounts that have been 30+ days late in last 6 months.
PT063Number of currently delinquent accounts.
PT065Number of currently delinquent installment accounts.
PT064Number of currently delinquent revolving accounts.
PT027Number of delinquencies in the past 12 months.
PT071Number of delinquencies in the past 2 years.
PT072Number of delinquencies in the past 30 days.
PT073Number of delinquencies in the past 60 days.
PT074Number of delinquencies in the past 7 years.
PT186Number of installment accounts that have been 60+ days late in the past 6 months.
AP007Number of minor delinquencies across all accounts.
S061SNumber of months since an account has been 60+ days late.
PT088Number of months since an account has been 90+ days late.
S062SNumber of months since an account has been 90+ days late.
PT125Number of months since the most recent bankcard delinquency.
AT36SNumber of months since the most recent delinquency.
IN36SNumber of months since the most recent installment account delinquency.
MT36SNumber of months since the most recent mortgage delinquency.
RE36SNumber of months since the most recent revolving account delinquency.
G224ANumber of non-medical accounts that have been 90+ days late.
G217SPast due amount of all accounts that have been active in the past 12 months.
AT57SPast due amount of open accounts that have been active in the past 12 months.
AU57SPast due amount of open auto loans that have been active in the past 12 months.
BC57SPast due amount of open credit cards that have been active in the past 12 months.
HI57SPast due amount of open home equity accounts that have been active in the past 12 months.
HR57SPast due amount of open home equity and line of credit accounts that have been active in the past 12 months.
IN57SPast due amount of open installment accounts that have been active in the past 12 months.
MT57SPast due amount of open mortgages that have been active in the past 12 months.
RE57SPast due amount of open revolving accounts that have been active in the past 12 months.
ST57SPast due amount of open student loans that have been active in the past 12 months.
G051SPercentage of accounts that have ever been delinquent.
PT093Percentage of accounts that have never been delinquent.

Inquiries

@_IDDescription
AP004Number of hard inquiries in the past 24 months.
PT038Number of inquiries in the past 6 months.
S114SNumber of inquiries in the past 6 months excluding duplicates, auto loan inquiries, and mortgage inquiries.
G238SNumber of inquiries in the past 12 months excluding collections inquiries.
G244SNumber of inquiries including duplicates in the past 12 months.
G103SNumber of months since the most recent inquiry.

Public Records

@_IDDescription
G093SNumber of public records.
PT149Number of public records filed in the past 24 months.
PT129Number of public records with a past due amount greater than $100.
AP010Public record information; see explanation below.

The value of an AP010 attribute is a series of pipe-separated tuples, where each tuple represents a public record. For example, here we see a support debt that has been satisified, and an ongoing bankruptcy:

"@_Value": "SupportDebt,2018-10-07,Satisfied,000000000|Bankruptcy,2020-10-01,Unreleased,51543"

The four comma-separated elements in a public record tuple are:

IndexDescription
0The type of public record; see Public Records: Public Record Types.
1The date the record was added in YYYY-MM-DD format.
2The current status, or disposition, of the record; ; see Public Records: Disposition Types
3The current dollar amount (if any) of the liability addressed by the record.

Collections, Liens, Bankruptcies, and so on

@_IDDescription
PT132Balance on collection accounts.
PT174Balance on non-medical collection accounts.
PT137Balance on non-medical collection accounts in the past 6 months.
S204ABalance on non-medical third party collection accounts that have been active in the past 12 months.
PT176Dollar amount of judgments.
PT148Dollar amount of judgments filed in the past 6 months.
PT175Dollar amount of tax liens.
PT147Dollar amount of tax liens filed in the past 6 months.
G094SNumber of bankruptcies.
PT069Number of charge-offs in the past 12 months.
PT144Number of collection accounts that have a balance that's greater than $500.
PT196Number of collection accounts with a non-zero balance.
PT134Number of foreclosures.
S207SNumber of months since the most recent bankruptcy (primary detection method)
S207ANumber of months since the most recent bankruptcy (alternate detection method)
CO04SNumber of months since the most recent charge-off.
FC04SNumber of months since the most recent foreclosure.
S209ANumber of months since the most recent non-medical account fell into third party collections.
G095SNumber of months since the most recent public record.
RP04SNumber of months since the most recent repossession.
G215BNumber of non-medical third-party collection accounts that have a non-zero balance.
PT136Number of non-medical collection and charged-off accounts in the past 24 months.
PT151Number of repossessed auto loans.
PT133Number of repossessions.
PT130Number of tax liens.
S068ANumber of third-party collection accounts.

Miscellaneous

@_IDDescription
AP009Is the borrower deceased? (1=yes; 0=no)