Credit Summary Attributes
This document describes the attributes that you'll find in the CREDIT_SUMMARY
sections of the credit report.
-
Attribute Structure explains how the attribute objects are constructed.
-
Master List is a list of the attributes sorted by ID.
-
Attributes by Category lists the attributes broken into categories: "Number and Age of Accounts", "Account Ratings", and so on.
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. -
@_Value
is 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
, orN/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
orN/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.
@_ID | Description |
---|---|
AP001 | Number of accounts. |
AP002 | Average age in months of an open account. |
AP003 | Average age in months of an open account excluding authorized user and joint accounts. |
AP004 | Number of hard inquiries in the past 24 months. |
AP005 | Number of payments on all accounts. |
AP006 | Credit utilization on open credit cards excluding authorized user accounts. |
AP007 | Number of minor delinquencies across all accounts. |
AP008 | Number of accounts that have had major derogatory marks. |
AP009 | Is the borrower deceased? (1=yes; 0=no). |
AP010 | Public record information. |
AT01S | Number of accounts. |
AT02S | Number of open accounts. |
AT06S | Number of accounts opened in the past 6 months. |
AT09S | Number of accounts opened in the past 24 months. |
AT103S | Percentage of open accounts that are rated as satisfactory. |
AT104S | Percentage of accounts that were opened in the past 24 months. |
AT20S | Age in months of the oldest account. |
AT28A | Credit limit on open accounts that have been active in the past 12 months. |
AT28C | Credit limit on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts. |
AT33A | Balance on open accounts that have been active in the past 12 months. |
AT33B | Balance on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts. |
AT34A | Credit utilization on open accounts that have been active in the past 12 months. |
AT34C | Credit utilization on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts. |
AT36S | Number of months since the most recent delinquency. |
AT57S | Past due amount of open accounts that have been active in the past 12 months. |
ATAP01 | Monthly payment on all accounts that have been active in the past 12 months. |
AU28S | Credit limit on open auto loans that have been active in the past 12 months. |
AU33S | Balance on open auto loans that have been active in the past 12 months. |
AU34S | Credit utilization on open auto loans that have been active in the past 12 months. |
AU57S | Past due amount of open auto loans that have been active in the past 12 months. |
BC02S | Number of open credit cards. |
BC06S | Number of credit cards that were opened in the past 6 months. |
BC102S | Average credit limit on an open credit card account that has been active in the past 12 months. |
BC12S | Number of open credit cards that have been active in the past 12 months. |
BC20S | Age in months of the oldest credit card account. |
BC28S | Credit limit on open credit cards that have been active in the past 12 months. |
BC30S | Percentage of open credit cards with 50%+ credit utilization that have been active in the past 12 months. |
BC31S | Percentage of open credit cards with 75%+ credit utilization that have been active in the past 12 months. |
BC33S | Balance on open credit cards that have been active in the past 12 months. |
BC34S | Credit utilization on open credit cards that have been active in the past 12 months. |
BC57S | Past due amount of open credit cards that have been active in the past 12 months. |
CO04S | Number of months since the most recent charge-off was reported. |
FC04S | Number of months since the most recent foreclosure was reported. |
G020S | Number of accounts with a maximum delinquency of 30 days late in the past 24 months. |
G051S | Percentage of accounts that have ever been delinquent. |
G093S | Number of public records. |
G094S | Number of bankruptcies. This includes all bankruptcies that are recorded as a public record, without regard for the bankruptcy's disposition. |
G095S | Number of months since the most recent public record. |
G103S | Number of months since the most recent inquiry. |
G202A | Available credit on open accounts that have been active in the past 12 months excluding installment accounts and mortgages. |
G215B | Number of non-medical accounts in third-party collections that have a non-zero balance. |
G217S | Past due amount of all accounts that have been active in the past 12 months. |
G218B | Number of accounts that are currently 30+ days late and that have been active in the past 12 months. |
G224A | Number of non-medical accounts that have been 90+ days late. |
G238S | Number of inquiries in the past 12 months excluding collections inquiries. |
G244S | Number of inquiries including duplicates in the past 12 months. |
G250A | Number of 30+-days-late reports on non-medical accounts. |
G250B | Number of 30+-days-late reports on non-medical accounts in the past 12 months. |
G250C | Number of 30+-days-late reports on non-medical accounts in the past 24 months. |
G251A | Number of 60+-days-late reports on non-medical accounts. |
G302S | Worst rating on revolving accounts in the past 12 months. |
G304S | Worst rating on installment accounts in the past 12 months. |
G310S | Worst rating on all accounts in the past 12 months. |
GB311 | Has a bankruptcy ever been reported? (1=yes, 0=no). |
HI57S | Past due amount of open home equity accounts that have been active in the past 12 months. |
HR57S | Past due amount of open home equity and line of credit accounts that have been active in the past 12 months. |
IN02S | Number of open installment accounts. |
IN06S | Number of installment accounts opened in the past 6 months. |
IN28S | Credit limit on open installment accounts that have been active in the past 12 months. |
IN33S | Balance on open installment accounts that have been active in the past 12 months. |
IN34S | Credit utilization on open installment accounts that have been active in the past 12 months. |
IN36S | Number of months since the most recent installment account delinquency. |
IN57S | Past due amount of open installment accounts that have been active in the past 12 months. |
MT02S | Number of open mortgages. |
MT06S | Number of mortgages opened in the past 6 months. |
MT28S | Credit limit on open mortgages that have been active in the past 12 months. |
MT33S | Balance on open mortgages that have been active in the past 12 months. |
MT34S | Credit utilization on open mortgages that have been active in the past 12 months. |
MT36S | Number of months since the most recent mortgage delinquency. |
MT57S | Past due amount of open mortgages that have been active in the past 12 months. |
PT014 | Monthly payment on all accounts. |
PT016 | Credit utilization on revolving accounts. |
PT017 | Balance on open revolving accounts. |
PT019 | Monthly payment on mortgages. |
PT020 | Balance on open mortgages. |
PT021 | Monthly payment on auto loans. |
PT022 | Initial reporting date (MMYYYY ) of the oldest account. |
PT023 | Age in months of the borrower's credit file. |
PT027 | Number of delinquencies in the past 12 months. |
PT038 | Number of inquiries in the past 6 months. |
PT054 | Credit limit on open accounts. |
PT056 | Balance on all accounts. |
PT063 | Number of currently delinquent accounts. |
PT064 | Number of currently delinquent revolving accounts. |
PT065 | Number of currently delinquent installment accounts. |
PT068 | Average balance on an open account. |
PT069 | Number of charge-offs in the past 12 months. |
PT071 | Number of delinquencies in the past 2 years. |
PT072 | Number of delinquencies in the past 30 days. |
PT073 | Number of delinquencies in the past 60 days. |
PT074 | Number of delinquencies in the past 7 years. |
PT076 | Initial reporting date (MMYYYY ) of the oldest account. |
PT079 | Age in months of the oldest installment account. |
PT080 | Age in months of the oldest revolving account. |
PT082 | Age in months of the newest account. |
PT083 | Number of mortgage accounts. |
PT088 | Number of months since an account has been 90+ days late. |
PT089 | Number of accounts that were reported as 120+ days late in the past 2 months, and that continue to be 120+ days late. |
PT090 | Number of accounts currently 30 days late. |
PT091 | Number of accounts that have been 90+ days late in the past 24 months. |
PT092 | Number of accounts opened in the past 12 months. |
PT093 | Percentage of accounts that have never been delinquent. |
PT094 | Number of accounts that have been 120 days late. |
PT095 | Age in months of the oldest installment account. |
PT103 | Credit limit on open installment accounts. |
PT104 | Number of open accounts that are rated as satisfactory. |
PT105 | Number of revolving accounts. |
PT110 | Number of revolving accounts opened in the past 7 years. |
PT111 | Credit limit on open revolving accounts. |
PT112 | Available credit on open bankcard accounts that have been active in the past 6 months. |
PT115 | Percentage of bankcard accounts with 75%+ credit utilization. |
PT118 | Credit limit on open bankcard accounts. |
PT119 | Number of bankcard accounts. |
PT120 | Age in months of the newest bankcard account. |
PT121 | Number of bankcard accounts opened in the past 6 months. |
PT122 | Number of bankcard accounts that have never been delinquent. |
PT125 | Number of months since the most recent bankcard delinquency. |
PT126 | Credit utilization on bankcard accounts. |
PT129 | Number of public records with a past due amount greater than $100. |
PT130 | Number of tax liens. |
PT132 | Balance on collection accounts. |
PT133 | Number of repossessions. |
PT134 | Number of foreclosures. |
PT136 | Number of non-medical collection and charged-off accounts in the past 24 months. |
PT137 | Balance on non-medical collection accounts in the past 6 months. |
PT138 | Number of accounts that have been active in the past 6 months. |
PT139 | Number of mortgages opened in the past 6 months. |
PT140 | Number of open installment accounts opened in the past 24 months. |
PT141 | Number of 30-days-late reports on mortgages in the past 12 months. |
PT142 | Number of 30+-days-late reports on mortgages in the past 6 months. |
PT143 | Number of 30-days-late reports in the past 12 months. |
PT144 | Number of collection accounts that have a balance that's greater than $500. |
PT145 | Balance on unsecured credit cards. |
PT146 | Balance on unsecured accounts. |
PT147 | Dollar amount of tax liens filed in the past 6 months. |
PT148 | Dollar amount of judgments filed in the past 6 months. |
PT149 | Number of public records filed in the past 24 months. |
PT150 | Number of non-federal student loans. |
PT151 | Number of repossessed auto loans. |
PT153 | Credit utilization on installment accounts. |
PT154 | Number of revolving accounts with a non-zero balance. |
PT155 | Number of installment accounts opened in the past 12 months. |
PT157 | Number of revolving accounts opened in the past 12 months. |
PT158 | Number of revolving accounts opened in the past 24 months. |
PT159 | Number of credit union accounts. |
PT160 | Credit utilization on open accounts. |
PT162 | Highest balance on a revolving account. |
PT163 | Age in months of the newest installment account. |
PT165 | Number of auto loans that have been 30 days late in the past 6 months. |
PT166 | Number of auto loans opened in the past 6 months. |
PT167 | Number of retail accounts opened in the past 6 months. |
PT168 | Number of student loans opened in the past 12 months. |
PT174 | Balance on non-medical collection accounts. |
PT175 | Dollar amount of tax liens. |
PT176 | Dollar amount of judgments. |
PT177 | Credit limit on open credit cards. |
PT178 | Credit limit on open retail accounts. |
PT179 | Balance on open credit card accounts. |
PT180 | Balance on open retail accounts. |
PT181 | Age in months of the oldest account. |
PT182 | Number of open credit cards. |
PT183 | Number of open retail accounts. |
PT184 | Number of accounts that have ever been delinquent. |
PT185 | Number of accounts that have been 30+ days late in the past 6 months. |
PT186 | Number of installment accounts that have been 60+ days late in the past 6 months. |
PT187 | Balance on currently delinquent accounts. |
PT188 | Worst rating on currently open accounts. |
PT189 | Worst rating on mortgages in the past 12 months. |
PT190 | Number of closed credit cards. |
PT191 | Number of closed installment accounts. |
PT192 | Available credit as a percentage of the credit limit on revolving accounts. |
PT193 | Number of loans and credit cards applied for in the past 24 months. |
PT194 | Number of installment accounts that have stayed current over the past 24 months. |
PT195 | Highest credit limit on an open bank credit card. |
PT196 | Number of collection accounts with a non-zero balance. |
PT197 | Number of credit cards and retail accounts that have been 30+ days late in last 6 months. |
PT198 | Number of open credit cards with a 90%+ credit utilization. |
PT199 | Number of open retail accounts with a 90%+ credit utilization. |
PT200 | Number of closed accounts. |
PT201 | Number of open accounts. |
PT202 | Balance on all accounts. |
RE02S | Number of open revolving accounts. |
RE06S | Number of revolving accounts opened in the past 6 months. |
RE102S | Average credit limit on an open revolving account that have been active in the past 12 months. |
RE12S | Number of open revolving accounts that have been active in the past 12 months. |
RE20S | Age in months of the oldest revolving account. |
RE21S | Age in months of the newest revolving account. |
RE28S | Credit limit on open revolving accounts that have been active in the past 12 months. |
RE30S | Percentage of open revolving accounts with 50%+ credit utilization that have been active in the past 12 months. |
RE31S | Percentage of open revolving accounts with 75%+ credit utilization that have been active in the past 12 months. |
RE33S | Balance on open revolving accounts that have been active in the past 12 months. |
RE34S | Credit utilization on open revolving accounts that have been active in the past 12 months. |
RE36S | Number of months since the most recent revolving account delinquency. |
RE57S | Past due amount of open revolving accounts that have been active in the past 12 months. |
RP04S | Number of months since the most recent repossession was reported. |
S004S | Average age in months of an account. |
S043S | Number of open accounts with 50%+ credit utilization that have been active in the past 12 months excluding installment accounts and mortgages. |
S061S | Number of months since an account has been 60+ days late. |
S062S | Number of months since an account has been 90+ days late. |
S068A | Number of third-party collection accounts. |
S114S | Number of inquiries in the past 6 months excluding duplicates, auto loan inquiries, and mortgage inquiries. |
S204A | Balance on non-medical third party collection accounts that have been active in the past 12 months. |
S207A | Number of months since an account was reported as part of a bankruptcy. |
S207S | Number of months since the most recent bankruptcy was filed. |
S209A | Number of months since the most recent non-medical account fell into third party collections. |
ST28S | Credit limit on open student loans that have been active in the past 12 months. |
ST33S | Balance on open student loans that have been active in the past 12 months. |
ST34S | Credit utilization on open student loans that have been active in the past 12 months. |
ST57S | Past 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
@_ID | Description |
---|---|
PT023 | Age in months of the borrower's credit file. |
PT082 | Age in months of the newest account. |
PT120 | Age in months of the newest bankcard account. |
PT163 | Age in months of the newest installment account. |
RE21S | Age in months of the newest revolving account. |
AT20S | Age in months of the oldest account. |
PT181 | Age in months of the oldest account. |
BC20S | Age in months of the oldest credit card account. |
PT079 | Age in months of the oldest installment account. |
PT095 | Age in months of the oldest installment account. |
PT080 | Age in months of the oldest revolving account. |
RE20S | Age in months of the oldest revolving account. |
S004S | Average age in months of an account. |
AP002 | Average age in months of an open account. |
AP003 | Average age in months of an open account excluding authorized user and joint accounts. |
PT022 | Date in MMYYYY format that the oldest account was first reported. |
PT076 | Date in MMYYYY format that the oldest account was first reported |
AP001 | Number of accounts |
AT01S | Number of accounts |
AT06S | Number of accounts opened in the past 6 months. |
PT092 | Number of accounts opened in the past 12 months. |
AT09S | Number of accounts opened in the past 24 months. |
PT138 | Number of accounts that have been active in the past 6 months. |
PT166 | Number of auto loans opened in the past 6 months. |
PT119 | Number of bankcard accounts. |
PT121 | Number of bankcard accounts opened in the past 6 months. |
PT200 | Number of closed accounts. |
PT190 | Number of closed credit cards. |
PT191 | Number of closed installment accounts. |
BC06S | Number of credit cards that were opened in the past 6 months. |
PT159 | Number of credit union accounts. |
IN06S | Number of installment accounts opened in the past 6 months. |
PT155 | Number of installment accounts opened in the past 12 months. |
PT194 | Number of installment accounts that have stayed current over the past 24 months. |
PT193 | Number of loans and credit cards applied for in the past 24 months. |
PT083 | Number of mortgage accounts. |
PT139 | Number of mortgages opened in the past 6 months. |
MT06S | Number of mortgages opened in the past 6 months. |
PT150 | Number of non-federal student loans. |
AT02S | Number of open accounts. |
PT201 | Number of open accounts. |
BC02S | Number of open credit cards. |
PT182 | Number of open credit cards. |
BC12S | Number of open credit cards that have been active in the past 12 months. |
IN02S | Number of open installment accounts. |
PT140 | Number of open installment accounts opened in the past 24 months. |
MT02S | Number of open mortgages. |
PT183 | Number of open retail accounts. |
RE02S | Number of open revolving accounts. |
RE12S | Number of open revolving accounts that have been active in the past 12 months. |
PT167 | Number of retail accounts opened in the past 6 months. |
PT105 | Number of revolving accounts. |
RE06S | Number of revolving accounts opened in the past 6 months. |
PT157 | Number of revolving accounts opened in the past 12 months. |
PT158 | Number of revolving accounts opened in the past 24 months. |
PT110 | Number of revolving accounts opened in the past 7 years. |
PT168 | Number of student loans opened in the past 12 months. |
PT104 | Number of open accounts that are rated as satisfactory. |
AT104S | Percentage of accounts that were opened in the past 24 months. |
AT103S | Percentage of open accounts that are rated as satisfactory. |
Account Ratings
See Account Ratings for an explanation of the account rating systems and values.
@_ID | Description |
---|---|
G310S | Worst rating on all accounts in the past 12 months. |
PT188 | Worst rating on currently open accounts. |
G304S | Worst rating on installment accounts in the past 12 months. |
PT189 | Worst rating on mortgages in the past 12 months. |
G302S | Worst rating on revolving accounts in the past 12 months. |
Balances and Payments
@_ID | Description |
---|---|
PT068 | Average balance on an open account. |
PT056 | Balance on all accounts. |
PT202 | Balance on all accounts. |
PT187 | Balance on currently delinquent accounts. |
AT33A | Balance on open accounts that have been active in the past 12 months. |
AT33B | Balance on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts. |
AU33S | Balance on open auto loans that have been active in the past 12 months. |
PT179 | Balance on open credit card accounts. |
BC33S | Balance on open credit cards that have been active in the past 12 months. |
IN33S | Balance on open installment accounts that have been active in the past 12 months. |
PT020 | Balance on open mortgages. |
MT33S | Balance on open mortgages that have been active in the past 12 months. |
PT180 | Balance on open retail accounts. |
PT017 | Balance on open revolving accounts. |
RE33S | Balance on open revolving accounts that have been active in the past 12 months. |
ST33S | Balance on open student loans that have been active in the past 12 months. |
PT146 | Balance on unsecured accounts. |
PT145 | Balance on unsecured credit cards. |
PT162 | Highest balance on a revolving account. |
PT014 | Monthly payment on all accounts. |
ATAP01 | Monthly payment on all accounts that have been active in the past 12 months. |
PT021 | Monthly payment on auto loans. |
PT019 | Monthly payment on mortgages. |
AP005 | Number of payments that have been made on all accounts. |
PT154 | Number of revolving accounts with a non-zero balance. |
Available Credit, Credit Limit, and Credit Utilization
@_ID | Description |
---|---|
PT192 | Available credit as a percentage of the credit limit on revolving accounts. |
G202A | Available credit on open accounts that have been active in the past 12 months excluding installment accounts and mortgages. |
PT112 | Available credit on open bankcard accounts that have been active in the past 6 months. |
BC102S | Average credit limit on an open credit card account that has been active in the past 12 months. |
RE102S | Average credit limit on an open revolving account that have been active in the past 12 months. |
PT054 | Credit limit on open accounts. |
AT28A | Credit limit on open accounts that have been active in the past 12 months. |
AT28C | Credit limit on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts. |
AU28S | Credit limit on open auto loans that have been active in the past 12 months. |
PT118 | Credit limit on open bankcard accounts. |
PT177 | Credit limit on open credit cards. |
BC28S | Credit limit on open credit cards that have been active in the past 12 months. |
PT103 | Credit limit on open installment accounts. |
IN28S | Credit limit on open installment accounts that have been active in the past 12 months. |
MT28S | Credit limit on open mortgages that have been active in the past 12 months. |
PT178 | Credit limit on open retail accounts. |
PT111 | Credit limit on open revolving accounts. |
RE28S | Credit limit on open revolving accounts that have been active in the past 12 months. |
ST28S | Credit limit on open student loans that have been active in the past 12 months. |
PT126 | Credit utilization on bankcard accounts. |
PT153 | Credit utilization on installment accounts. |
PT160 | Credit utilization on open accounts. |
AT34A | Credit utilization on open accounts that have been active in the past 12 months. |
AT34C | Credit utilization on open accounts that have been active in the past 12 months excluding mortgages and home equity accounts. |
AU34S | Credit utilization on open auto loans that have been active in the past 12 months. |
AP006 | Credit utilization on open credit cards excluding authorized user accounts. |
BC34S | Credit utilization on open credit cards that have been active in the past 12 months. |
IN34S | Credit utilization on open installment accounts that have been active in the past 12 months. |
MT34S | Credit utilization on open mortgages that have been active in the past 12 months. |
RE34S | Credit utilization on open revolving accounts that have been active in the past 12 months. |
ST34S | Credit utilization on open student loans that have been active in the past 12 months. |
PT016 | Credit utilization on revolving accounts. |
PT195 | Highest credit limit on an open bank credit card. |
S043S | Number of open accounts with 50%+ credit utilization that have been active in the past 12 months excluding installment accounts and mortgages. |
PT198 | Number of open credit cards with a 90%+ credit utilization. |
PT199 | Number of open retail accounts with a 90%+ credit utilization. |
PT115 | Percentage of bankcard accounts with 75%+ credit utilization. |
BC30S | Percentage of open credit cards with 50%+ credit utilization that have been active in the past 12 months. |
BC31S | Percentage of open credit cards with 75%+ credit utilization that have been active in the past 12 months. |
RE30S | Percentage of open revolving accounts with 50%+ credit utilization that have been active in the past 12 months. |
RE31S | Percentage of open revolving accounts with 75%+ credit utilization that have been active in the past 12 months. |
Delinquencies
@_ID | Description |
---|---|
PT187 | Balance on currently delinquent accounts. |
PT142 | Number of 30+-days-late reports on mortgages in the past 6 months. |
G250A | Number of 30+-days-late reports on non-medical accounts. |
G250B | Number of 30+-days-late reports on non-medical accounts in the past 12 months. |
G250C | Number of 30+-days-late reports on non-medical accounts in the past 24 months. |
PT143 | Number of 30-days-late reports in the past 12 months. |
PT141 | Number of 30-days-late reports on mortgages in the past 12 months. |
G251A | Number of 60+-days-late reports on non-medical accounts. |
PT090 | Number of accounts currently 30 days late. |
G218B | Number of accounts that are currently 30+ days late and that have been active in the past 12 months. |
PT094 | Number of accounts that have been 120 days late. |
PT185 | Number of accounts that have been 30+ days late in the past 6 months. |
PT091 | Number of accounts that have been 90+ days late in the past 24 months. |
PT089 | Number of accounts that have been 120+ days late in the past 2 months, and that continue to be 120+ days late. |
PT184 | Number of accounts that have ever been delinquent. |
AP008 | Number of accounts that have had major derogatory marks. |
G020S | Number of accounts with a maximum delinquency of 30 days late in the past 24 months. |
PT165 | Number of auto loans that have been 30 days late in the past 6 months. |
PT122 | Number of bankcard accounts that have never been delinquent. |
PT197 | Number of credit cards and retail accounts that have been 30+ days late in last 6 months. |
PT063 | Number of currently delinquent accounts. |
PT065 | Number of currently delinquent installment accounts. |
PT064 | Number of currently delinquent revolving accounts. |
PT027 | Number of delinquencies in the past 12 months. |
PT071 | Number of delinquencies in the past 2 years. |
PT072 | Number of delinquencies in the past 30 days. |
PT073 | Number of delinquencies in the past 60 days. |
PT074 | Number of delinquencies in the past 7 years. |
PT186 | Number of installment accounts that have been 60+ days late in the past 6 months. |
AP007 | Number of minor delinquencies across all accounts. |
S061S | Number of months since an account has been 60+ days late. |
PT088 | Number of months since an account has been 90+ days late. |
S062S | Number of months since an account has been 90+ days late. |
PT125 | Number of months since the most recent bankcard delinquency. |
AT36S | Number of months since the most recent delinquency. |
IN36S | Number of months since the most recent installment account delinquency. |
MT36S | Number of months since the most recent mortgage delinquency. |
RE36S | Number of months since the most recent revolving account delinquency. |
G224A | Number of non-medical accounts that have been 90+ days late. |
G217S | Past due amount of all accounts that have been active in the past 12 months. |
AT57S | Past due amount of open accounts that have been active in the past 12 months. |
AU57S | Past due amount of open auto loans that have been active in the past 12 months. |
BC57S | Past due amount of open credit cards that have been active in the past 12 months. |
HI57S | Past due amount of open home equity accounts that have been active in the past 12 months. |
HR57S | Past due amount of open home equity and line of credit accounts that have been active in the past 12 months. |
IN57S | Past due amount of open installment accounts that have been active in the past 12 months. |
MT57S | Past due amount of open mortgages that have been active in the past 12 months. |
RE57S | Past due amount of open revolving accounts that have been active in the past 12 months. |
ST57S | Past due amount of open student loans that have been active in the past 12 months. |
G051S | Percentage of accounts that have ever been delinquent. |
PT093 | Percentage of accounts that have never been delinquent. |
Inquiries
@_ID | Description |
---|---|
AP004 | Number of hard inquiries in the past 24 months. |
PT038 | Number of inquiries in the past 6 months. |
S114S | Number of inquiries in the past 6 months excluding duplicates, auto loan inquiries, and mortgage inquiries. |
G238S | Number of inquiries in the past 12 months excluding collections inquiries. |
G244S | Number of inquiries including duplicates in the past 12 months. |
G103S | Number of months since the most recent inquiry. |
Public Records
@_ID | Description |
---|---|
G093S | Number of public records. |
PT149 | Number of public records filed in the past 24 months. |
PT129 | Number of public records with a past due amount greater than $100. |
AP010 | Public 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:
Index | Description |
---|---|
0 | The type of public record; see Public Records: Public Record Types. |
1 | The date the record was added in YYYY-MM-DD format. |
2 | The current status, or disposition, of the record; ; see Public Records: Disposition Types |
3 | The current dollar amount (if any) of the liability addressed by the record. |
Collections, Liens, Bankruptcies, and so on
@_ID | Description |
---|---|
PT132 | Balance on collection accounts. |
PT174 | Balance on non-medical collection accounts. |
PT137 | Balance on non-medical collection accounts in the past 6 months. |
S204A | Balance on non-medical third party collection accounts that have been active in the past 12 months. |
PT176 | Dollar amount of judgments. |
PT148 | Dollar amount of judgments filed in the past 6 months. |
PT175 | Dollar amount of tax liens. |
PT147 | Dollar amount of tax liens filed in the past 6 months. |
G094S | Number of bankruptcies. This includes all bankruptcies that are recorded as a public record, without regard for the bankruptcy's disposition. |
PT069 | Number of charge-offs in the past 12 months. |
PT144 | Number of collection accounts that have a balance that's greater than $500. |
PT196 | Number of collection accounts with a non-zero balance. |
PT134 | Number of foreclosures. |
S207S | Number of months since the most recent bankruptcy (primary detection method) |
S207A | Number of months since the most recent bankruptcy (alternate detection method) |
CO04S | Number of months since the most recent charge-off. |
FC04S | Number of months since the most recent foreclosure. |
S209A | Number of months since the most recent non-medical account fell into third party collections. |
G095S | Number of months since the most recent public record. |
RP04S | Number of months since the most recent repossession. |
G215B | Number of non-medical third-party collection accounts that have a non-zero balance. |
PT136 | Number of non-medical collection and charged-off accounts in the past 24 months. |
PT151 | Number of repossessed auto loans. |
PT133 | Number of repossessions. |
PT130 | Number of tax liens. |
S068A | Number of third-party collection accounts. |
Miscellaneous
@_ID | Description |
---|---|
AP009 | Is the borrower deceased? (1=yes; 0=no) |
Updated 8 months ago