Equifax Credit Report (JSON)
{
"CREDIT_RESPONSE": {
"@MISMOVersionID": "2.4",
"@CreditResponseID": "CRRep0001",
"@CreditReportIdentifier": "90M194405",
"@CreditReportFirstIssuedDate": "2022-04-01T19:44:04.136Z",
"@CreditReportMergeTypeIndicator": "ListAndStack",
"@CreditRatingCodeType": "Equifax",
"_DATA_INFORMATION": {
"DATA_VERSION": [
{
"@_Name": "Credmo",
"@_Number": "1.3"
},
{
"@_Name": "Equifax",
"@_Number": "5"
}
]
},
"CREDIT_BUREAU": null,
"CREDIT_REPOSITORY_INCLUDED": {
"@_EquifaxIndicator": "Y",
"@_ExperianIndicator": "N",
"@_TransUnionIndicator": "N"
},
"CREDIT_FROZEN_STATUS": {
"@_EquifaxIndicator": "false",
"@_ExperianIndicator": "",
"@_TransUnionIndicator": ""
},
"REQUESTING_PARTY": null,
"CREDIT_REQUEST_DATA": {
"@BorrowerID": "Borrower01",
"CREDIT_REPOSITORY_INCLUDED": {
"@_EquifaxIndicator": "Y",
"@_ExperianIndicator": "N",
"@_TransUnionIndicator": "N"
}
},
"BORROWER": {
"@BorrowerID": "Borrower01",
"@_BirthDate": "1963-02-07",
"@_FirstName": "DENISE",
"@_LastName": "HENNESSY",
"@_SSN": "666662921",
"@_UnparsedName": "DENISE HENNESSY ",
"@_PrintPositionType": "Borrower",
"_RESIDENCE": {
"@_StreetAddress": "50 ROBERTSON",
"@_City": "HAMDEN",
"@_State": "CT",
"@_PostalCode": "06518",
"@BorrowerResidencyType": "Current"
}
},
"CREDIT_LIABILITY": [
{
"@CreditLiabilityID": "TRADE001",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@CreditTradeReferenceID": "Primary",
"@_AccountIdentifier": "1747-3695570469109",
"@_AccountOpenedDate": "2020-05-01",
"@_AccountOwnershipType": "AuthorizedUser",
"@_AccountReportedDate": "2022-01-01",
"@_AccountStatusType": "Open",
"@_AccountType": "Revolving",
"@_ConsumerDisputeIndicator": "N",
"@_DerogatoryDataIndicator": "N",
"@_CreditLimitAmount": "350",
"@_LastActivityDate": "2022-01-01",
"@_MonthlyPaymentAmount": "11",
"@_MonthsReviewedCount": "20",
"@_TermsDescription": "M$11",
"@_TermsSourceType": "Provided",
"@_UnpaidBalanceAmount": "254",
"@CreditBusinessType": "DepartmentAndMailOrder",
"@IsMortgageIndicator": "N",
"@IsClosedIndicator": "N",
"@IsCollectionIndicator": "N",
"@IsChargeoffIndicator": "N",
"@TradelineHashComplex": "8b731f153a3282839abad036a805d80b",
"@TradelineHashSimple": "f3efb2967e2933e1ebf38f91b76e92c0",
"_CREDITOR": {
"@_Name": "CBUSASEARS",
"@_StreetAddress": "8725 W. SAHARA AVE.",
"@_City": "THE LAKES",
"@_State": "NV",
"@_PostalCode": "89163",
"@_Phone": "MAIL ONLY",
"CONTACT_DETAIL": {
"CONTACT_POINT": {
"@_Type": "Phone",
"@_Value": " MAIL ONLY"
}
}
},
"_CURRENT_RATING": {
"@_Code": "1",
"@_Type": "AsAgreed"
},
"_LATE_COUNT": {
"@_30Days": "00",
"@_60Days": "00",
"@_90Days": "00"
},
"CREDIT_COMMENT": {
"@_SourceType": "Equifax",
"@_Type": "BureauRemarks",
"@_Code": "AV",
"_Text": "CHARGE"
},
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "906DC00029"
}
},
{
"@CreditLiabilityID": "TRADE002",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@CreditTradeReferenceID": "Primary",
"@_AccountIdentifier": "45785629018901238",
"@_AccountOpenedDate": "2020-03-01",
"@_AccountOwnershipType": "Individual",
"@_AccountReportedDate": "2022-01-01",
"@_AccountStatusType": "Open",
"@_AccountType": "Revolving",
"@_ConsumerDisputeIndicator": "N",
"@_DerogatoryDataIndicator": "N",
"@_CreditLimitAmount": "1700",
"@_LastActivityDate": "2021-10-01",
"@_MonthlyPaymentAmount": "8",
"@_MonthsReviewedCount": "22",
"@_TermsDescription": "M$8",
"@_TermsSourceType": "Calculated",
"@_UnpaidBalanceAmount": "154",
"@CreditBusinessType": "Banking",
"@IsMortgageIndicator": "N",
"@IsClosedIndicator": "N",
"@IsCollectionIndicator": "N",
"@IsChargeoffIndicator": "N",
"@TradelineHashComplex": "6d6a096042595c61bc07bc4f89d4a452",
"@TradelineHashSimple": "e99be3ad7c221880a6fc25b69214332a",
"_CREDITOR": {
"@_Name": "WELLS FARGO BANK, NA",
"@_StreetAddress": "P.O. BOX 3117",
"@_City": "WINSTON-SALEM",
"@_State": "NC",
"@_PostalCode": "27102",
"@_Phone": "MAIL ONLY",
"CONTACT_DETAIL": {
"CONTACT_POINT": {
"@_Type": "Phone",
"@_Value": " MAIL ONLY"
}
}
},
"_CURRENT_RATING": {
"@_Code": "1",
"@_Type": "AsAgreed"
},
"_LATE_COUNT": {
"@_30Days": "00",
"@_60Days": "00",
"@_90Days": "00"
},
"CREDIT_COMMENT": {
"@_SourceType": "Equifax",
"@_Type": "BureauRemarks",
"@_Code": "FE",
"_Text": "CREDIT CARD"
},
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "805BB87407"
}
},
{
"@CreditLiabilityID": "TRADE003",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@CreditTradeReferenceID": "Primary",
"@_AccountIdentifier": "134569078021",
"@_AccountOpenedDate": "2020-09-01",
"@_AccountOwnershipType": "Individual",
"@_AccountReportedDate": "2022-01-01",
"@_AccountStatusType": "Open",
"@_AccountType": "Open",
"@_ConsumerDisputeIndicator": "N",
"@_DerogatoryDataIndicator": "N",
"@_HighBalanceAmount": "0",
"@_HighCreditAmount": "0",
"@_LastActivityDate": "2022-01-01",
"@_MonthsReviewedCount": "1",
"@_UnpaidBalanceAmount": "0",
"@CreditBusinessType": "OilAndNationalCreditCards",
"@IsMortgageIndicator": "N",
"@IsClosedIndicator": "N",
"@IsCollectionIndicator": "N",
"@IsChargeoffIndicator": "N",
"@TradelineHashComplex": "d5ca974db9f2bb9c27fcd747bff86595",
"@TradelineHashSimple": "b7b3c3fe785f5a7fb9f929afcc05d882",
"_CREDITOR": {
"@_Name": "AMERICAN EXPRESS",
"@_StreetAddress": "PO BOX 981537",
"@_City": "EL PASO",
"@_State": "TX",
"@_PostalCode": "79998",
"@_Phone": "9545033787",
"CONTACT_DETAIL": {
"CONTACT_POINT": {
"@_Type": "Phone",
"@_Value": "9545033787"
}
}
},
"_CURRENT_RATING": {
"@_Code": "1",
"@_Type": "AsAgreed"
},
"_LATE_COUNT": {
"@_30Days": "00",
"@_60Days": "00",
"@_90Days": "00"
},
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "906ON00259"
}
},
{
"@CreditLiabilityID": "TRADE004",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@CreditTradeReferenceID": "Primary",
"@_AccountIdentifier": "38934907",
"@_AccountOpenedDate": "2021-08-01",
"@_AccountOwnershipType": "Individual",
"@_AccountReportedDate": "2022-01-01",
"@_AccountStatusType": "Open",
"@_AccountType": "Revolving",
"@_ConsumerDisputeIndicator": "N",
"@_DerogatoryDataIndicator": "N",
"@_CreditLimitAmount": "149",
"@_LastActivityDate": "2021-09-01",
"@_MonthsReviewedCount": "4",
"@_UnpaidBalanceAmount": "0",
"@CreditBusinessType": "DepartmentAndMailOrder",
"@IsMortgageIndicator": "N",
"@IsClosedIndicator": "N",
"@IsCollectionIndicator": "N",
"@IsChargeoffIndicator": "N",
"@TradelineHashComplex": "809ab79c2cdca2a3e5f995943084e35b",
"@TradelineHashSimple": "678845b9ceecca88bfede67e94dce754",
"_CREDITOR": {
"@_Name": "BOSCOV'S DEPARTMENT",
"@_StreetAddress": "P.O. BOX 4505",
"@_City": "READING",
"@_State": "PA",
"@_PostalCode": "19606",
"@_Phone": "2157792000",
"CONTACT_DETAIL": {
"CONTACT_POINT": {
"@_Type": "Phone",
"@_Value": "2157792000"
}
}
},
"_CURRENT_RATING": {
"@_Code": "1",
"@_Type": "AsAgreed"
},
"_LATE_COUNT": {
"@_30Days": "00",
"@_60Days": "00",
"@_90Days": "00"
},
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "496DC00129"
}
},
{
"@CreditLiabilityID": "TRADE005",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@CreditTradeReferenceID": "Primary",
"@_AccountIdentifier": "1713-3408273668063",
"@_AccountOpenedDate": "2019-12-01",
"@_AccountOwnershipType": "Individual",
"@_AccountReportedDate": "2021-09-01",
"@_AccountStatusType": "Open",
"@_AccountType": "Revolving",
"@_ConsumerDisputeIndicator": "N",
"@_DerogatoryDataIndicator": "N",
"@_CreditLimitAmount": "720",
"@_LastActivityDate": "2021-09-01",
"@_MonthsReviewedCount": "20",
"@_UnpaidBalanceAmount": "0",
"@CreditBusinessType": "DepartmentAndMailOrder",
"@IsMortgageIndicator": "N",
"@IsClosedIndicator": "N",
"@IsCollectionIndicator": "N",
"@IsChargeoffIndicator": "N",
"@TradelineHashComplex": "10b2b7e51e7af7d0ffba85145bf992af",
"@TradelineHashSimple": "7ed6bf01322c79b30c93d48c86b824c2",
"_CREDITOR": {
"@_Name": "CBUSASEARS",
"@_StreetAddress": "8725 W. SAHARA AVE.",
"@_City": "THE LAKES",
"@_State": "NV",
"@_PostalCode": "89163",
"@_Phone": "MAIL ONLY",
"CONTACT_DETAIL": {
"CONTACT_POINT": {
"@_Type": "Phone",
"@_Value": " MAIL ONLY"
}
}
},
"_CURRENT_RATING": {
"@_Code": "1",
"@_Type": "AsAgreed"
},
"_LATE_COUNT": {
"@_30Days": "00",
"@_60Days": "00",
"@_90Days": "00"
},
"CREDIT_COMMENT": {
"@_SourceType": "Equifax",
"@_Type": "BureauRemarks",
"@_Code": "AV",
"_Text": "CHARGE"
},
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "906DC00029"
}
},
{
"@CreditLiabilityID": "TRADE006",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@CreditTradeReferenceID": "Primary",
"@_AccountIdentifier": "909023909",
"@_AccountOpenedDate": "2020-03-01",
"@_AccountOwnershipType": "Individual",
"@_AccountReportedDate": "2021-08-01",
"@_AccountStatusType": "Open",
"@_AccountType": "Revolving",
"@_ConsumerDisputeIndicator": "N",
"@_DerogatoryDataIndicator": "N",
"@_CreditLimitAmount": "1000",
"@_LastActivityDate": "2021-08-01",
"@_MonthsReviewedCount": "16",
"@_UnpaidBalanceAmount": "",
"@CreditBusinessType": "OilAndNationalCreditCards",
"@IsMortgageIndicator": "N",
"@IsClosedIndicator": "N",
"@IsCollectionIndicator": "N",
"@IsChargeoffIndicator": "N",
"@TradelineHashComplex": "456b17e6af40b68da100314a658eb6a0",
"@TradelineHashSimple": "cc14eb0d8ab59b9f70f137f921cce86b",
"_CREDITOR": {
"@_Name": "FIRST UNION RECOVERY",
"@_StreetAddress": "4299 NW 36TH ST, 5TH FL",
"@_City": "MIAMI",
"@_State": "FL",
"@_PostalCode": "33166",
"@_Phone": "8008333010",
"CONTACT_DETAIL": {
"CONTACT_POINT": {
"@_Type": "Phone",
"@_Value": "8008333010"
}
}
},
"_CURRENT_RATING": {
"@_Code": "1",
"@_Type": "AsAgreed"
},
"_LATE_COUNT": {
"@_30Days": "00",
"@_60Days": "00",
"@_90Days": "00"
},
"CREDIT_COMMENT": {
"@_SourceType": "Equifax",
"@_Type": "BureauRemarks",
"@_Code": "FE",
"_Text": "CREDIT CARD"
},
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "496ON00218"
}
},
{
"@CreditLiabilityID": "TRADE007",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@CreditTradeReferenceID": "Primary",
"@_AccountIdentifier": "4476-6358574340",
"@_AccountOpenedDate": "2021-07-01",
"@_AccountOwnershipType": "Individual",
"@_AccountReportedDate": "2022-01-01",
"@_AccountStatusType": "Open",
"@_AccountType": "Revolving",
"@_ConsumerDisputeIndicator": "N",
"@_DerogatoryDataIndicator": "N",
"@_HighBalanceAmount": "396",
"@_HighCreditAmount": "396",
"@_LastActivityDate": "2021-09-01",
"@_MonthlyPaymentAmount": "40",
"@_MonthsReviewedCount": "6",
"@_TermsDescription": "M$40",
"@_TermsSourceType": "Provided",
"@_UnpaidBalanceAmount": "0",
"@CreditBusinessType": "JewelryAndCamera",
"@IsMortgageIndicator": "N",
"@IsClosedIndicator": "N",
"@IsCollectionIndicator": "N",
"@IsChargeoffIndicator": "N",
"@TradelineHashComplex": "36f70f55a2278fa3f5052e5b44510d12",
"@TradelineHashSimple": "66f94b391e661299295398bc59c9bfa1",
"_CREDITOR": {
"@_Name": "KAY JEWELERS",
"@_StreetAddress": "375 GHENT RD.",
"@_City": "AKRON",
"@_State": "OH",
"@_PostalCode": "443332668",
"@_Phone": "MAIL ONLY",
"CONTACT_DETAIL": {
"CONTACT_POINT": {
"@_Type": "Phone",
"@_Value": " MAIL ONLY"
}
}
},
"_CURRENT_RATING": {
"@_Code": "1",
"@_Type": "AsAgreed"
},
"_LATE_COUNT": {
"@_30Days": "00",
"@_60Days": "00",
"@_90Days": "00"
},
"CREDIT_COMMENT": {
"@_SourceType": "Equifax",
"@_Type": "BureauRemarks",
"@_Code": "AV",
"_Text": "CHARGE"
},
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "594JA11359"
}
},
{
"@CreditLiabilityID": "TRADE008",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@CreditTradeReferenceID": "Primary",
"@_AccountIdentifier": "6745894534905",
"@_AccountOpenedDate": "2021-11-01",
"@_AccountOwnershipType": "Undesignated",
"@_AccountReportedDate": "2022-01-01",
"@_AccountStatusType": "Open",
"@_AccountType": "Installment",
"@_ConsumerDisputeIndicator": "N",
"@_DerogatoryDataIndicator": "N",
"@_LastActivityDate": "2022-01-01",
"@_UnpaidBalanceAmount": "",
"@CreditBusinessType": "UtilitiesAndFuel",
"@IsMortgageIndicator": "N",
"@IsClosedIndicator": "N",
"@IsCollectionIndicator": "N",
"@IsChargeoffIndicator": "N",
"@TradelineHashComplex": "ebe1d7cc5d2b4980c5774d5ee51a3cc2",
"@TradelineHashSimple": "0544c1638e998d304f68b4ec6c7f6aef",
"_CREDITOR": {
"@_Name": "MET-ED",
"@_StreetAddress": "PO BOX 15152",
"@_City": "READING",
"@_State": "PA",
"@_PostalCode": "196125152",
"@_Phone": "MAIL ONLY",
"CONTACT_DETAIL": {
"CONTACT_POINT": {
"@_Type": "Phone",
"@_Value": " MAIL ONLY"
}
}
},
"_CURRENT_RATING": {
"@_Code": "A",
"@_Type": "NoDataAvailable"
},
"_LATE_COUNT": {
"@_30Days": "00",
"@_60Days": "00",
"@_90Days": "00"
},
"CREDIT_COMMENT": {
"@_SourceType": "Equifax",
"@_Type": "BureauRemarks",
"@_Code": "JF",
"_Text": "INACTIVE ACCOUNT"
},
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "496UE00101"
}
},
{
"@CreditLiabilityID": "TRADE009",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@CreditTradeReferenceID": "Primary",
"@_AccountIdentifier": "6756567812347",
"@_AccountOpenedDate": "2020-12-01",
"@_AccountOwnershipType": "Undesignated",
"@_AccountReportedDate": "2022-01-01",
"@_AccountStatusType": "Open",
"@_AccountType": "Installment",
"@_ConsumerDisputeIndicator": "N",
"@_DerogatoryDataIndicator": "N",
"@_LastActivityDate": "2021-12-01",
"@_UnpaidBalanceAmount": "",
"@CreditBusinessType": "UtilitiesAndFuel",
"@IsMortgageIndicator": "N",
"@IsClosedIndicator": "N",
"@IsCollectionIndicator": "N",
"@IsChargeoffIndicator": "N",
"@TradelineHashComplex": "160858f56445e22966f5e5df3cab2d1e",
"@TradelineHashSimple": "f0e22cd58a9292d34ab74664568c52e2",
"_CREDITOR": {
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"@_StreetAddress": "PO BOX 15152",
"@_City": "READING",
"@_State": "PA",
"@_PostalCode": "196125152",
"@_Phone": "MAIL ONLY",
"CONTACT_DETAIL": {
"CONTACT_POINT": {
"@_Type": "Phone",
"@_Value": " MAIL ONLY"
}
}
},
"_CURRENT_RATING": {
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"@_Type": "NoDataAvailable"
},
"_LATE_COUNT": {
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"@_90Days": "00"
},
"CREDIT_COMMENT": {
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"_Text": "INACTIVE ACCOUNT"
},
"CREDIT_REPOSITORY": {
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"@_SubscriberCode": "496UE00101"
}
},
{
"@CreditLiabilityID": "TRADE010",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@CreditTradeReferenceID": "Primary",
"@_AccountIdentifier": "907803127",
"@_AccountOpenedDate": "2020-04-01",
"@_AccountOwnershipType": "Undesignated",
"@_AccountReportedDate": "2022-01-01",
"@_AccountStatusType": "Closed",
"@_AccountType": "Installment",
"@_ConsumerDisputeIndicator": "N",
"@_DerogatoryDataIndicator": "N",
"@_LastActivityDate": "2021-04-01",
"@_UnpaidBalanceAmount": "",
"@CreditBusinessType": "DepartmentAndMailOrder",
"@IsMortgageIndicator": "N",
"@IsClosedIndicator": "Y",
"@IsCollectionIndicator": "N",
"@IsChargeoffIndicator": "N",
"@TradelineHashComplex": "32a537587b23c226f77f311c086a6714",
"@TradelineHashSimple": "bb6fa8dd83cc8d7183cda1adb28ccd70",
"_CREDITOR": {
"@_Name": "THE BON TON",
"@_StreetAddress": "POB 2285",
"@_City": "YORK",
"@_State": "PA",
"@_PostalCode": "174052285",
"@_Phone": "7178492109",
"CONTACT_DETAIL": {
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}
}
},
"_CURRENT_RATING": {
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},
"_LATE_COUNT": {
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"@_90Days": "00"
},
"CREDIT_COMMENT": [
{
"@_SourceType": "Equifax",
"@_Type": "BureauRemarks",
"@_Code": "DA",
"_Text": "ACCOUNT CLOSED BY CONSUMER"
},
{
"@_SourceType": "Equifax",
"@_Type": "BureauRemarks",
"@_Code": "JF",
"_Text": "INACTIVE ACCOUNT"
},
{
"@_SourceType": "Equifax",
"@_Type": "BureauRemarks",
"@_Code": "AV",
"_Text": "CHARGE"
}
],
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "496DC00095"
}
}
],
"CREDIT_INQUIRY": [
{
"@CreditInquiryID": "INQUIRY001",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Name": "DIGITAL MATRIX SYSTE",
"@_Date": "2022-02-06",
"@CreditBusinessType": "Finance",
"@_PurposeType": "HARD",
"@InquiryHashComplex": "4086c6f12b825ec2b0333e8e1aeecb73",
"@InquiryHashSimple": "4770a9246c15c2801b03e0627e735a03",
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "999FF00383"
}
},
{
"@CreditInquiryID": "INQUIRY002",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Name": "KROLL FACTUAL DATA -",
"@_Date": "2022-02-06",
"@CreditBusinessType": "MiscellaneousAndPublicRecord",
"@_PurposeType": "HARD",
"@InquiryHashComplex": "2116cf76491d21530ff725183aed0bea",
"@InquiryHashSimple": "4770a9246c15c2801b03e0627e735a03",
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "999ZB04441"
}
},
{
"@CreditInquiryID": "INQUIRY003",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Name": "KROLL FACTUAL DATA -",
"@_Date": "2022-02-04",
"@CreditBusinessType": "MiscellaneousAndPublicRecord",
"@_PurposeType": "HARD",
"@InquiryHashComplex": "1eccf6dcb32b26b38d45ab4d80903154",
"@InquiryHashSimple": "3dccba4f454618adeff59a845a4bc9ac",
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
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}
},
{
"@CreditInquiryID": "INQUIRY004",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Name": "KROLL FACTUAL DATA -",
"@_Date": "2022-02-04",
"@CreditBusinessType": "MiscellaneousAndPublicRecord",
"@_PurposeType": "HARD",
"@InquiryHashComplex": "1eccf6dcb32b26b38d45ab4d80903154",
"@InquiryHashSimple": "3dccba4f454618adeff59a845a4bc9ac",
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "999ZB04441"
}
},
{
"@CreditInquiryID": "INQUIRY005",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Name": "KROLL FACTUAL DATA",
"@_Date": "2022-02-03",
"@CreditBusinessType": "MiscellaneousAndPublicRecord",
"@_PurposeType": "HARD",
"@InquiryHashComplex": "5411dc8530fbadc885cd66139bf75e23",
"@InquiryHashSimple": "21b5ee861556cfc0777284eba5308a3a",
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "999ZB04433"
}
},
{
"@CreditInquiryID": "INQUIRY006",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Name": "AT&T SERVICES, INC A",
"@_StreetAddress": "5338 OPORTO RD",
"@_City": "BIRMINGHAM",
"@_State": "AL",
"@_PostalCode": "35210",
"@_Date": "2022-01-27",
"@CreditBusinessType": "UtilitiesAndFuel",
"@_PurposeType": "HARD",
"@InquiryHashComplex": "60f3ffe7e0bf35c0208e9b19da2bcd99",
"@InquiryHashSimple": "6a5b9a853a059bb4dbb1df1310c0ad87",
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "910UT10979"
}
},
{
"@CreditInquiryID": "INQUIRY007",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Name": "COX COMMUNICATIONS",
"@_StreetAddress": "2120 CANAL STREET",
"@_City": "NEW ORLEANS",
"@_State": "LA",
"@_PostalCode": "701123040",
"@_Phone": "MAIL ONLY",
"@_Date": "2022-01-18",
"@CreditBusinessType": "UtilitiesAndFuel",
"@_PurposeType": "HARD",
"@InquiryHashComplex": "6289f920f377a05d884cf941c93e5ff6",
"@InquiryHashSimple": "e00f2ac05fc3aa269e933e519b799dde",
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "910UZ01686"
}
},
{
"@CreditInquiryID": "INQUIRY008",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Name": "DON BOHN FORD INC",
"@_StreetAddress": "3737 LAPALCO BLVD",
"@_City": "HARVEY",
"@_State": "LA",
"@_PostalCode": "700582393",
"@_Phone": "5043477000",
"@_Date": "2022-01-07",
"@CreditBusinessType": "Automotive",
"@_PurposeType": "HARD",
"@InquiryHashComplex": "a9adcb30c0ef6a5220da11a8bfd9da6e",
"@InquiryHashSimple": "f66fd0c871e41603de772629178f0b88",
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "495AN01908"
}
},
{
"@CreditInquiryID": "INQUIRY009",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Name": "AMERICAN EXPRESS TRS",
"@_StreetAddress": "4315 SOUTH 2700 WEST",
"@_City": "SALT LAKE CITY",
"@_State": "UT",
"@_PostalCode": "841842145",
"@_Phone": "MAIL ONLY",
"@_Date": "2021-12-07",
"@CreditBusinessType": "OilAndNationalCreditCards",
"@_PurposeType": "HARD",
"@InquiryHashComplex": "e51e61d440c0af2eb66b1b2b76d38153",
"@InquiryHashSimple": "732c8f0dbfefe71fd635e6933576dae1",
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "190ON01836"
}
},
{
"@CreditInquiryID": "INQUIRY010",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Name": "CAP1/BOSCOVS",
"@_StreetAddress": "26525 NORTH RIVERWOODS BLVD",
"@_City": "METTAWA",
"@_State": "IL",
"@_PostalCode": "60045",
"@_Phone": "8006956950",
"@_Date": "2021-08-20",
"@CreditBusinessType": "DepartmentAndMailOrder",
"@_PurposeType": "HARD",
"@InquiryHashComplex": "0e40a648cae45f464ee72b7112824c6f",
"@InquiryHashSimple": "2f1fef866eb37d0a3ba313d733c22b2d",
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "496DC01002"
}
},
{
"@CreditInquiryID": "INQUIRY011",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Name": "STERLING",
"@_StreetAddress": "375 GHENT ROAD STORE #10",
"@_City": "AKRON",
"@_State": "OH",
"@_PostalCode": "443334601",
"@_Phone": "8008773616",
"@_Date": "2021-07-12",
"@CreditBusinessType": "JewelryAndCamera",
"@_PurposeType": "HARD",
"@InquiryHashComplex": "149537a1829eda48295b12fef0ee8bf3",
"@InquiryHashSimple": "3a7b5b1a514207a1b447670ccdc71bfa",
"CREDIT_REPOSITORY": {
"@_SourceType": "Equifax",
"@_SubscriberCode": "594JA10751"
}
}
],
"CREDIT_FILE": {
"@CreditFileID": "EA01",
"@BorrowerID": "Borrower01",
"@CreditScoreID": "SCORE001",
"@CreditRepositorySourceType": "Equifax",
"@_InfileDate": "2022-04-01",
"@_ResultStatusType": "FileReturned",
"_ALERT_MESSAGE": [
{
"@_CategoryType": "FACTAAddressDiscrepancy",
"@_Type": "Other",
"@_TypeOtherDescription": "Facta Address",
"@_Code": "Y",
"_Text": "- A SUBSTANTIAL DIFFERENCE IN ADDRESS OCCURRED"
},
{
"@_CategoryType": "FACTARiskScoreValue",
"@_Type": "Other",
"@_TypeOtherDescription": "Facta Fifth Reason Code",
"_Text": "THE NUMBER OF INQUIRIES HAS ADVERSELY AFFECTED THE CREDIT SCORE"
}
],
"_BORROWER": {
"@_UnparsedName": "DENISE HENNESSY",
"@_BirthDate": "1963-02-07",
"@_FirstName": "DENISE",
"@_LastName": "HENNESSY",
"@_SSN": "666662921",
"_RESIDENCE": {
"@BorrowerResidencyType": "Current",
"@_StreetAddress": "50 ROBERTSON",
"@_City": "HAMDEN",
"@_State": "CT",
"@_PostalCode": "06518",
"@BorrowerResidencyDurationMonths": "3",
"@_DateReported": "2022-02-04"
}
}
},
"CREDIT_SCORE": {
"@CreditScoreID": "SCORE001",
"@BorrowerID": "Borrower01",
"@CreditFileID": "EA01",
"@_Date": "2022-04-01",
"@CreditReportIdentifier": "90M194405",
"@_FACTAInquiriesIndicator": "Y",
"@RiskBasedPricingPercent": "54",
"@RiskBasedPricingMin": "738",
"@RiskBasedPricingMax": "740",
"@_ModelNameType": "Other",
"@_ModelNameTypeOtherDescription": "EquifaxVantageScore3.0",
"@_Value": "740",
"@CreditRepositorySourceType": "Equifax",
"_FACTOR": [
{
"@_Code": "12",
"@_Text": "The date that you opened your oldest account is too recent"
},
{
"@_Code": "14",
"@_Text": "Lack of sufficient credit history"
},
{
"@_Code": "63",
"@_Text": "Lack of sufficient relevant real estate account information"
},
{
"@_Code": "16",
"@_Text": "The total of all balances on your open accounts is too high"
},
{
"@_Code": "Y",
"@_Text": "Number of inquiries adversely affected the score but not significantly"
}
]
},
"CREDIT_SUMMARY": {
"@BorrowerID": "Borrower01",
"@_Name": "Attributes",
"_DATA_SET": [
{
"@_Name": "Number of tradelines",
"@_ID": "AP001",
"@_Value": "10"
},
{
"@_Name": "Average age of open tradelines",
"@_ID": "AP002",
"@_Value": "17"
},
{
"@_Name": "Average age of open tradelines; exclude auth user and joint ecoa",
"@_ID": "AP003",
"@_Value": "19"
},
{
"@_Name": "Number of hard inquiries",
"@_ID": "AP004",
"@_Value": "11"
},
{
"@_Name": "Number of payments",
"@_ID": "AP005",
"@_Value": "N/A"
},
{
"@_Name": "Revolving utilization on open credit cards",
"@_ID": "AP006",
"@_Value": "6"
},
{
"@_Name": "Total occurrences of minor delinqs",
"@_ID": "AP007",
"@_Value": "0"
},
{
"@_Name": "Total number of major derogatory tradelines",
"@_ID": "AP008",
"@_Value": "0"
},
{
"@_Name": "AT01S:Number of trades",
"@_ID": "AT01S",
"@_Value": "10"
},
{
"@_Name": "AT02S:Number of open trades",
"@_ID": "AT02S",
"@_Value": "9"
},
{
"@_Name": "AT06S:Number of trades opened in past 6 months",
"@_ID": "AT06S",
"@_Value": "1"
},
{
"@_Name": "AT09S:Number of trades opened in past 24 months",
"@_ID": "AT09S",
"@_Value": "7"
},
{
"@_Name": "AT20S:Months since oldest trade opened",
"@_ID": "AT20S",
"@_Value": "28"
},
{
"@_Name": "AT28A:Total credit line of open trades verified in past 12 months",
"@_ID": "AT28A",
"@_Value": "3965"
},
{
"@_Name": "AT28B:Total credit line of open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT28B",
"@_Value": "3965"
},
{
"@_Name": "AT33A:Total balance of open trades verified in past 12 months",
"@_ID": "AT33A",
"@_Value": "154"
},
{
"@_Name": "AT33B:Total balance of open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT33B",
"@_Value": "154"
},
{
"@_Name": "AT34A:Utilization for open trades verified in past 12 months",
"@_ID": "AT34A",
"@_Value": "4"
},
{
"@_Name": "AT34B:Utilization for open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT34B",
"@_Value": "4"
},
{
"@_Name": "AT36S:Months since most recent delinquency",
"@_ID": "AT36S",
"@_Value": "N/A"
},
{
"@_Name": "AT57S:Total past due amount of open trades verified in past 12 months",
"@_ID": "AT57S",
"@_Value": "0"
},
{
"@_Name": "AT103S:Percentage of satisfactory open trades to all open trades",
"@_ID": "AT103S",
"@_Value": "100"
},
{
"@_Name": "AT104S:Percentage of all trades opened in past 24 months to all trades",
"@_ID": "AT104S",
"@_Value": "67"
},
{
"@_Name": "ATAP01:Total scheduled monthly payment for all trades verified in past 12 months",
"@_ID": "ATAP01",
"@_Value": "48"
},
{
"@_Name": "AU28S:Total credit line of open auto trades verified in past 12 months",
"@_ID": "AU28S",
"@_Value": "0"
},
{
"@_Name": "AU33S:Total balance of open auto trades verified in past 12 months",
"@_ID": "AU33S",
"@_Value": "0"
},
{
"@_Name": "AU34S:Utilization for open auto trades verified in past 12 months",
"@_ID": "AU34S",
"@_Value": "N/A"
},
{
"@_Name": "AU57S:Total past due amount of open auto trades verified in past 12 months",
"@_ID": "AU57S",
"@_Value": "N/A"
},
{
"@_Name": "BC02S:Number of open credit card trades",
"@_ID": "BC02S",
"@_Value": "1"
},
{
"@_Name": "BC06S:Number of credit card trades opened in past 6 months",
"@_ID": "BC06S",
"@_Value": "0"
},
{
"@_Name": "BC102S:Average credit line of open credit card trades verified in past 12 months",
"@_ID": "BC102S",
"@_Value": "1700"
},
{
"@_Name": "BC12S:Number of open credit card trades verified in past 12 months",
"@_ID": "BC12S",
"@_Value": "1"
},
{
"@_Name": "BC20S:Months since oldest credit card trade opened",
"@_ID": "BC20S",
"@_Value": "25"
},
{
"@_Name": "BC28S:Total credit line of open credit card trades verified in past 12 months",
"@_ID": "BC28S",
"@_Value": "1700"
},
{
"@_Name": "BC30S:Percentage of open credit card trades > 50% of credit line verified in past 12 months",
"@_ID": "BC30S",
"@_Value": "0"
},
{
"@_Name": "BC31S:Percentage of open credit card trades > 75% of credit line verified in past 12 months",
"@_ID": "BC31S",
"@_Value": "0"
},
{
"@_Name": "BC33S:Total balance of open credit card trades verified in past 12 months",
"@_ID": "BC33S",
"@_Value": "154"
},
{
"@_Name": "BC34S:Utilization for open credit card trades verified in past 12 months",
"@_ID": "BC34S",
"@_Value": "9"
},
{
"@_Name": "BC57S:Total past due amount of open credit card trades verified in past 12 months",
"@_ID": "BC57S",
"@_Value": "0"
},
{
"@_Name": "CO04S:Months since most recent charged-off trade was first reported",
"@_ID": "CO04S",
"@_Value": "N/A"
},
{
"@_Name": "FC04S:Months since most recent foreclosure trade was first reported",
"@_ID": "FC04S",
"@_Value": "N/A"
},
{
"@_Name": "G020S:Number of trades with maximum delinquency of 30 days past due in past 24 months",
"@_ID": "G020S",
"@_Value": "0"
},
{
"@_Name": "G051S:Percentage of trades ever delinquent",
"@_ID": "G051S",
"@_Value": "0"
},
{
"@_Name": "G093S:Number of public records",
"@_ID": "G093S",
"@_Value": "0"
},
{
"@_Name": "G094S:Number of public record bankruptcies",
"@_ID": "G094S",
"@_Value": "0"
},
{
"@_Name": "G095S:Months since most recent public record",
"@_ID": "G095S",
"@_Value": "-4"
},
{
"@_Name": "G103S:Months since most recent credit inquiry",
"@_ID": "G103S",
"@_Value": "2"
},
{
"@_Name": "G202A:Total open to buy of open trades verified in past 12 months (excl installs and morts)",
"@_ID": "G202A",
"@_Value": "3811"
},
{
"@_Name": "G215B:Number of non-medical third party collections with balance > $0",
"@_ID": "G215B",
"@_Value": "0"
},
{
"@_Name": "G217S:Total past due amount of all trades verified in past 12 months",
"@_ID": "G217S",
"@_Value": "0"
},
{
"@_Name": "G218B:Number of trades verified in the past 12 months that are currently 30+ DPD",
"@_ID": "G218B",
"@_Value": "0"
},
{
"@_Name": "G224A:Number of 90 days past due or worse items ever (excluding medical colls)",
"@_ID": "G224A",
"@_Value": "0"
},
{
"@_Name": "G238S:Number of credit inquiries in past 12 months (excl coll inqs)",
"@_ID": "G238S",
"@_Value": "11"
},
{
"@_Name": "G244S:Number of inquiries (includes duplicates) in past 12 months",
"@_ID": "G244S",
"@_Value": "11"
},
{
"@_Name": "G250A:Number of 30 DPD or worse items ever (excluding medical colls)",
"@_ID": "G250A",
"@_Value": "0"
},
{
"@_Name": "G250B:Number of 30 DPD or worse items in the past 12 months (excluding medical colls)",
"@_ID": "G250B",
"@_Value": "0"
},
{
"@_Name": "G250C:Number of 30 DPD or worse items in the past 24 months (excluding medical colls)",
"@_ID": "G250C",
"@_Value": "0"
},
{
"@_Name": "G251A:Number of 60 DPD or worse items ever (excluding medical colls)",
"@_ID": "G251A",
"@_Value": "0"
},
{
"@_Name": "G302S:Worst rating on revolving trades in past 12 months",
"@_ID": "G302S",
"@_Value": "N/A"
},
{
"@_Name": "G304S:Worst rating on installment trades in past 12 months",
"@_ID": "G304S",
"@_Value": "N/A"
},
{
"@_Name": "G310S:Worst rating on all trades in past 12 months",
"@_ID": "G310S",
"@_Value": "N/A"
},
{
"@_Name": "GB311:Indicates if bankruptcies have been filed",
"@_ID": "GB311",
"@_Value": "0"
},
{
"@_Name": "HI57S:Total past due amount of open home equity loan trades verified in past 12 months",
"@_ID": "HI57S",
"@_Value": "N/A"
},
{
"@_Name": "HR57S:Total past due amount of open HELOC trades verified in past 12 months",
"@_ID": "HR57S",
"@_Value": "N/A"
},
{
"@_Name": "IN02S:Number of open installment trades",
"@_ID": "IN02S",
"@_Value": "3"
},
{
"@_Name": "IN06S:Number of installment trades opened in past 6 months",
"@_ID": "IN06S",
"@_Value": "1"
},
{
"@_Name": "IN28S:Total credit line of open installment trades verified in past 12 months",
"@_ID": "IN28S",
"@_Value": "0"
},
{
"@_Name": "IN33S:Total balance of open installment trades verified in past 12 months",
"@_ID": "IN33S",
"@_Value": "0"
},
{
"@_Name": "IN34S:Utilization for open installment trades verified in past 12 months",
"@_ID": "IN34S",
"@_Value": "N/A"
},
{
"@_Name": "IN36S:Months since most recent installment delinquency",
"@_ID": "IN36S",
"@_Value": "N/A"
},
{
"@_Name": "IN57S:Total past due amount of open installment trades verified in past 12 months",
"@_ID": "IN57S",
"@_Value": "0"
},
{
"@_Name": "MT02S:Number of open mortgage trades",
"@_ID": "MT02S",
"@_Value": "0"
},
{
"@_Name": "MT06S:Number of mortgage trades opened in past 6 months",
"@_ID": "MT06S",
"@_Value": "0"
},
{
"@_Name": "MT28S:Total credit line of open mortgage trades verified in past 12 months",
"@_ID": "MT28S",
"@_Value": "0"
},
{
"@_Name": "MT33S:Total balance of open mortgage trades verified in past 12 months",
"@_ID": "MT33S",
"@_Value": "0"
},
{
"@_Name": "MT34S:Utilization for open mortgage trades verified in past 12 months",
"@_ID": "MT34S",
"@_Value": "N/A"
},
{
"@_Name": "MT36S:Months since most recent mortgage delinquency",
"@_ID": "MT36S",
"@_Value": "N/A"
},
{
"@_Name": "MT57S:Total past due amount of open mortgage trades verified in past 12 months",
"@_ID": "MT57S",
"@_Value": "N/A"
},
{
"@_Name": "RE02S:Number of open revolving trades",
"@_ID": "RE02S",
"@_Value": "5"
},
{
"@_Name": "RE06S:Number of revolving trades opened in past 6 months",
"@_ID": "RE06S",
"@_Value": "0"
},
{
"@_Name": "RE12S:Number of open revolving trades verified in past 12 months",
"@_ID": "RE12S",
"@_Value": "5"
},
{
"@_Name": "RE20S:Months since oldest revolving trade opened",
"@_ID": "RE20S",
"@_Value": "28"
},
{
"@_Name": "RE21S:Months since most recent revolving trade opened",
"@_ID": "RE21S",
"@_Value": "8"
},
{
"@_Name": "RE28S:Total credit line of open revolving trades verified in past 12 months",
"@_ID": "RE28S",
"@_Value": "3965"
},
{
"@_Name": "RE30S:Percentage of open revolving trades > 50% of credit line verified in past 12 months",
"@_ID": "RE30S",
"@_Value": "0"
},
{
"@_Name": "RE31S:Percentage of open revolving trades > 75% of credit line verified in past 12 months",
"@_ID": "RE31S",
"@_Value": "0"
},
{
"@_Name": "RE33S:Total balance of open revolving trades verified in past 12 months",
"@_ID": "RE33S",
"@_Value": "154"
},
{
"@_Name": "RE34S:Utilization for open revolving trades verified in past 12 months",
"@_ID": "RE34S",
"@_Value": "4"
},
{
"@_Name": "RE36S:Months since most recent revolving delinquency",
"@_ID": "RE36S",
"@_Value": "N/A"
},
{
"@_Name": "RE57S:Total past due amount of open revolving trades verified in past 12 months",
"@_ID": "RE57S",
"@_Value": "0"
},
{
"@_Name": "RE102S:Average credit line of open revolving trades verified in past 12 months",
"@_ID": "RE102S",
"@_Value": "793"
},
{
"@_Name": "RP04S:Months since most recent repossession trade was first reported",
"@_ID": "RP04S",
"@_Value": "N/A"
},
{
"@_Name": "S004S:Average number of months trades have been on file",
"@_ID": "S004S",
"@_Value": "18"
},
{
"@_Name": "S043S:Number of open trades > 50% of credit line verified in 12 mons (excl installs and morts)",
"@_ID": "S043S",
"@_Value": "0"
},
{
"@_Name": "S061S:Months since most recent 60 or more days past due",
"@_ID": "S061S",
"@_Value": "N/A"
},
{
"@_Name": "S062S:Months since most recent 90 or more days past due",
"@_ID": "S062S",
"@_Value": "N/A"
},
{
"@_Name": "S068A:Number of third party collections",
"@_ID": "S068A",
"@_Value": "0"
},
{
"@_Name": "S114S:Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)",
"@_ID": "S114S",
"@_Value": "8"
},
{
"@_Name": "S204A:Total balance of non-medical third party collections verified in past 12 months",
"@_ID": "S204A",
"@_Value": "0"
},
{
"@_Name": "S207A:Months since most recent tradeline bankruptcy",
"@_ID": "S207A",
"@_Value": "N/A"
},
{
"@_Name": "S207S:Months since most recent public record bankruptcy",
"@_ID": "S207S",
"@_Value": "-4"
},
{
"@_Name": "S209A:Months since most recent non-medical third party collection",
"@_ID": "S209A",
"@_Value": "N/A"
},
{
"@_Name": "ST28S:Total credit line of open student loan trades verified in past 12 months",
"@_ID": "ST28S",
"@_Value": "0"
},
{
"@_Name": "ST33S:Total balance of open student loan trades verified in past 12 months",
"@_ID": "ST33S",
"@_Value": "0"
},
{
"@_Name": "ST34S:Utilization for open student loan trades verified in past 12 months",
"@_ID": "ST34S",
"@_Value": "N/A"
},
{
"@_Name": "ST57S:Total past due amount of open student loan trades verified in past 12 months",
"@_ID": "ST57S",
"@_Value": "N/A"
},
{
"@_Name": "PT014:Total Scheduled Monthly Payment",
"@_ID": "PT014",
"@_Value": "48"
},
{
"@_Name": "PT016:Utilization on revolving trades",
"@_ID": "PT016",
"@_Value": "4"
},
{
"@_Name": "PT017:Total balance on open revolving trades",
"@_ID": "PT017",
"@_Value": "154"
},
{
"@_Name": "PT019:Total Mortgage Monthly Payment",
"@_ID": "PT019",
"@_Value": "-5"
},
{
"@_Name": "PT020:Total balance on open Mortgages",
"@_ID": "PT020",
"@_Value": "-5"
},
{
"@_Name": "PT021:Total Monthly Automobile Payment",
"@_ID": "PT021",
"@_Value": "-5"
},
{
"@_Name": "PT022:Date of oldest trade",
"@_ID": "PT022",
"@_Value": "122019"
},
{
"@_Name": "PT023:Months since infile created at bureau",
"@_ID": "PT023",
"@_Value": "2"
},
{
"@_Name": "PT027:Total occurrances of delinquencies in past 12 months",
"@_ID": "PT027",
"@_Value": "0"
},
{
"@_Name": "PT038:Number of Inquiries in past 6 months",
"@_ID": "PT038",
"@_Value": "9"
},
{
"@_Name": "PT054:Total Credit Limit/High Credit on open tradelines",
"@_ID": "PT054",
"@_Value": "3965"
},
{
"@_Name": "PT056:Total balance on all tradelines",
"@_ID": "PT056",
"@_Value": "154"
},
{
"@_Name": "PT063:Number of currently delinquent tradelines",
"@_ID": "PT063",
"@_Value": "0"
},
{
"@_Name": "PT064:Number of currently delinquent revolving tradelines",
"@_ID": "PT064",
"@_Value": "0"
},
{
"@_Name": "PT065:Number of currently delinquent installment tradelines",
"@_ID": "PT065",
"@_Value": "0"
},
{
"@_Name": "PT068:Average balance on open tradelines",
"@_ID": "PT068",
"@_Value": "19"
},
{
"@_Name": "PT069:Number of Chargeoffs in past 12 months",
"@_ID": "PT069",
"@_Value": "0"
},
{
"@_Name": "PT071:Total occurrances of delinquencies in the past 2 years",
"@_ID": "PT071",
"@_Value": "0"
},
{
"@_Name": "PT072:Total occurrances of delinquencies in the past 30 days",
"@_ID": "PT072",
"@_Value": "0"
},
{
"@_Name": "PT073:Total occurrances of delinquencies in the past 60 days",
"@_ID": "PT073",
"@_Value": "0"
},
{
"@_Name": "PT074:Total occurrances of delinquencies in the past 7 years",
"@_ID": "PT074",
"@_Value": "0"
},
{
"@_Name": "PT076:Date of oldest trade",
"@_ID": "PT076",
"@_Value": "122019"
},
{
"@_Name": "PT079:Number of months since oldest installment tradeline opened",
"@_ID": "PT079",
"@_Value": "24"
},
{
"@_Name": "PT080:Number of months since oldest revolving tradeline opened",
"@_ID": "PT080",
"@_Value": "28"
},
{
"@_Name": "PT082:Number of months since most recent tradeline opened",
"@_ID": "PT082",
"@_Value": "5"
},
{
"@_Name": "PT083:Number of mortgage trades",
"@_ID": "PT083",
"@_Value": "0"
},
{
"@_Name": "PT088:Number of months since 90+ late or worse derogatory",
"@_ID": "PT088",
"@_Value": "-5"
},
{
"@_Name": "PT089:Number of tradelines reported in past 2 months and currently 120 days past due",
"@_ID": "PT089",
"@_Value": "0"
},
{
"@_Name": "PT090:Number of tradelines currently 30 days past due",
"@_ID": "PT090",
"@_Value": "0"
},
{
"@_Name": "PT091:Number of tradelines 90+ days past due in past 24 months",
"@_ID": "PT091",
"@_Value": "0"
},
{
"@_Name": "PT092:Number of tradelines opened in past 12 months",
"@_ID": "PT092",
"@_Value": "3"
},
{
"@_Name": "PT093:Percentage of tradelines never delinquent",
"@_ID": "PT093",
"@_Value": "100"
},
{
"@_Name": "PT094:Number of tradelines ever 120 days past due",
"@_ID": "PT094",
"@_Value": "0"
},
{
"@_Name": "PT095:Number of months since oldest bank installment tradeline",
"@_ID": "PT095",
"@_Value": "24"
},
{
"@_Name": "PT103:Total credit limit/high credit on open installment tradelines",
"@_ID": "PT103",
"@_Value": "0"
},
{
"@_Name": "PT104:Number of currently satisfactory tradelines",
"@_ID": "PT104",
"@_Value": "9"
},
{
"@_Name": "PT105:Number of revolving tradelines",
"@_ID": "PT105",
"@_Value": "5"
},
{
"@_Name": "PT110:Number of revolving tradelines opened in past 7 years",
"@_ID": "PT110",
"@_Value": "5"
},
{
"@_Name": "PT111:Total credit limit/high credit on open revolving tradelines",
"@_ID": "PT111",
"@_Value": "3965"
},
{
"@_Name": "PT112:Total available credit on open bankcard tradelines verified in the last 6 mons",
"@_ID": "PT112",
"@_Value": "1546"
},
{
"@_Name": "PT115:Percent of bankcard tradelines gt 75% of credit limit",
"@_ID": "PT115",
"@_Value": "0"
},
{
"@_Name": "PT118:Total credit limit/high credit on open bankcard tradelines",
"@_ID": "PT118",
"@_Value": "1700"
},
{
"@_Name": "PT119:Number of bankcard tradelines",
"@_ID": "PT119",
"@_Value": "1"
},
{
"@_Name": "PT120:Number of months since most recent bankcard tradeline opened",
"@_ID": "PT120",
"@_Value": "25"
},
{
"@_Name": "PT121:Number of bankcard tradelines opened in the past 6 months",
"@_ID": "PT121",
"@_Value": "0"
},
{
"@_Name": "PT122:Number of bankcard tradelines never delinquent",
"@_ID": "PT122",
"@_Value": "1"
},
{
"@_Name": "PT125:Number of months since most recent bankcard delinquency",
"@_ID": "PT125",
"@_Value": "-5"
},
{
"@_Name": "PT126:Percent utilization on bankcard tradelines",
"@_ID": "PT126",
"@_Value": "9"
},
{
"@_Name": "PT129:Number of Public Records with amount gt 100",
"@_ID": "PT129",
"@_Value": "-4"
},
{
"@_Name": "PT130:Number of Tax Liens",
"@_ID": "PT130",
"@_Value": "0"
},
{
"@_Name": "PT132:Total amount on Collections",
"@_ID": "PT132",
"@_Value": "0"
},
{
"@_Name": "PT133:Number of repossessions",
"@_ID": "PT133",
"@_Value": "0"
},
{
"@_Name": "PT134:Number of foreclosures",
"@_ID": "PT134",
"@_Value": "0"
},
{
"@_Name": "PT136:Number of Collections/Chargeoffs in past 24 months; excluding medical",
"@_ID": "PT136",
"@_Value": "0"
},
{
"@_Name": "PT137:Total amount on Collections in past 36 months; excluding medical",
"@_ID": "PT137",
"@_Value": "0"
},
{
"@_Name": "PT138:Number of tradelines active within the past 6 months",
"@_ID": "PT138",
"@_Value": "4"
},
{
"@_Name": "PT139:Number of mortgage tradelines opened in past 6 months",
"@_ID": "PT139",
"@_Value": "-5"
},
{
"@_Name": "PT140:Number of open installment tradelines opened within the past 24 months",
"@_ID": "PT140",
"@_Value": "3"
},
{
"@_Name": "PT141:Total occurrances of 30 days late within the past 12 months on Mortgage trades",
"@_ID": "PT141",
"@_Value": "-5"
},
{
"@_Name": "PT142:Number of mortgages passed due 30 days or more in the last 6 months",
"@_ID": "PT142",
"@_Value": "-5"
},
{
"@_Name": "PT143:Total occurrances of 30 days late within the past 12 months",
"@_ID": "PT143",
"@_Value": "0"
},
{
"@_Name": "PT144:Number of collections with amount gt 500",
"@_ID": "PT144",
"@_Value": "0"
},
{
"@_Name": "PT145:Total balance on unsecured credit card tradelines",
"@_ID": "PT145",
"@_Value": "154"
},
{
"@_Name": "PT146:Total balance on unsecured tradelines",
"@_ID": "PT146",
"@_Value": "154"
},
{
"@_Name": "PT147:Total amount on Tax Liens filed within the past 36 months",
"@_ID": "PT147",
"@_Value": "-4"
},
{
"@_Name": "PT148:Total amount on Judgements filed within the past 36 months",
"@_ID": "PT148",
"@_Value": "-4"
},
{
"@_Name": "PT149:Number of Public Records filed in past 24 months",
"@_ID": "PT149",
"@_Value": "-4"
},
{
"@_Name": "PT150:Number of non-federal Student Loan tradelines",
"@_ID": "PT150",
"@_Value": "0"
},
{
"@_Name": "PT151:Number of repossessed auto loan tradelines",
"@_ID": "PT151",
"@_Value": "-5"
},
{
"@_Name": "PT153:Percent utilization on installment tradelines",
"@_ID": "PT153",
"@_Value": "N/A"
},
{
"@_Name": "PT154:Number of revolving tradelines with balance gt 0",
"@_ID": "PT154",
"@_Value": "1"
},
{
"@_Name": "PT155:Number of installment tradelines opened in past 12 months",
"@_ID": "PT155",
"@_Value": "1"
},
{
"@_Name": "PT157:Number of revolving tradelines opened in past 12 months",
"@_ID": "PT157",
"@_Value": "2"
},
{
"@_Name": "PT158:Number of revolving tradelines opened in past 24 months",
"@_ID": "PT158",
"@_Value": "2"
},
{
"@_Name": "PT159:Number of credit union tradelines",
"@_ID": "PT159",
"@_Value": "0"
},
{
"@_Name": "PT160:Percent utilization on all open tradelines",
"@_ID": "PT160",
"@_Value": "4"
},
{
"@_Name": "PT162:Maximum balance on revolving tradelines",
"@_ID": "PT162",
"@_Value": "154"
},
{
"@_Name": "PT163:Number months since more recent installment tradeline opened",
"@_ID": "PT163",
"@_Value": "5"
},
{
"@_Name": "PT165:Number of auto tradelines 30 days past due in past 6 months",
"@_ID": "PT165",
"@_Value": "-5"
},
{
"@_Name": "PT166:Number of auto tradelines opened in past 6 months",
"@_ID": "PT166",
"@_Value": "-5"
},
{
"@_Name": "PT167:Number of retail tradelines opened in past 6 months",
"@_ID": "PT167",
"@_Value": "0"
},
{
"@_Name": "PT168:Number of student loans opened in past 12 months",
"@_ID": "PT168",
"@_Value": "-5"
},
{
"@_Name": "PT174:Total amount on Collections; excluding medical",
"@_ID": "PT174",
"@_Value": "0"
},
{
"@_Name": "PT175:Total amount on Tax Liens",
"@_ID": "PT175",
"@_Value": "-4"
},
{
"@_Name": "PT176:Total amount on Judgements",
"@_ID": "PT176",
"@_Value": "-4"
},
{
"@_Name": "PT177:Total credit limit on open credit card trades",
"@_ID": "PT177",
"@_Value": "2700"
},
{
"@_Name": "PT178:Total credit limit on open retail trades",
"@_ID": "PT178",
"@_Value": "1265"
},
{
"@_Name": "PT179:Total balance on open credit card trades",
"@_ID": "PT179",
"@_Value": "154"
},
{
"@_Name": "PT180:Total balance on open retail trades",
"@_ID": "PT180",
"@_Value": "0"
},
{
"@_Name": "PT181:Age of oldest trade in months",
"@_ID": "PT181",
"@_Value": "28"
},
{
"@_Name": "PT182:Total number of open credit card trades",
"@_ID": "PT182",
"@_Value": "3"
},
{
"@_Name": "PT183:Total number of open retail trades",
"@_ID": "PT183",
"@_Value": "3"
},
{
"@_Name": "PT184:Total number of trades ever delinquent",
"@_ID": "PT184",
"@_Value": "0"
},
{
"@_Name": "PT185:Total number of tradelines delinquent in the last 6 months",
"@_ID": "PT185",
"@_Value": "0"
},
{
"@_Name": "PT186:Total number of installment tradelines 60 days late or worse in the last 6 months",
"@_ID": "PT186",
"@_Value": "0"
},
{
"@_Name": "PT187:Total balances on currently delinquent tradelines",
"@_ID": "PT187",
"@_Value": "0"
},
{
"@_Name": "PT188:Worst current status on any open tradeline",
"@_ID": "PT188",
"@_Value": "0"
},
{
"@_Name": "PT189:Worst status in the past 12 months on any mortgage tradeline",
"@_ID": "PT189",
"@_Value": "0"
},
{
"@_Name": "PT190:Total number of closed credit card trades",
"@_ID": "PT190",
"@_Value": "0"
},
{
"@_Name": "PT191:Total number of closed installment trades",
"@_ID": "PT191",
"@_Value": "1"
},
{
"@_Name": "PT192:Percent of revolving credit available",
"@_ID": "PT192",
"@_Value": "96"
},
{
"@_Name": "PT193:Number of loans or credit cards applied for in past 24 months",
"@_ID": "PT193",
"@_Value": "11"
},
{
"@_Name": "PT194:Number of Installment tradelines not delinquent within the last 24 months",
"@_ID": "PT194",
"@_Value": "4"
},
{
"@_Name": "PT195:Max credit limit on open bank credit cards",
"@_ID": "PT195",
"@_Value": "1700"
},
{
"@_Name": "PT196:Number of collections with amount gt 0",
"@_ID": "PT196",
"@_Value": "0"
},
{
"@_Name": "PT197:Total Number of delinquent credit card and retail trades in last 6 months",
"@_ID": "PT197",
"@_Value": "0"
},
{
"@_Name": "PT198:Total number of open credit card tradelines with utilization gt 90%",
"@_ID": "PT198",
"@_Value": "0"
},
{
"@_Name": "PT199:Total number of open retail tradelines with utilization gt 90%",
"@_ID": "PT199",
"@_Value": "0"
},
{
"@_Name": "PT200:Number of closed trades; no exclusions",
"@_ID": "PT200",
"@_Value": "1"
},
{
"@_Name": "PT201:Number of open trades; no exclusions",
"@_ID": "PT201",
"@_Value": "9"
},
{
"@_Name": "PT202:Total balance on all trades; no exclusions",
"@_ID": "PT202",
"@_Value": "408"
},
{
"@_Name": "Deceased Indicator",
"@_ID": "AP009",
"@_Value": "N"
},
{
"@_Name": "Public Record Info",
"@_ID": "AP010",
"@_Value": ""
}
]
},
"CREDIT_SUMMARY_EFX": {
"@BorrowerID": "Borrower01",
"@_Name": "Attributes",
"_DATA_SET": [
{
"@_Name": "Number of tradelines",
"@_ID": "AP001",
"@_Value": "10"
},
{
"@_Name": "Average age of open tradelines",
"@_ID": "AP002",
"@_Value": "17"
},
{
"@_Name": "Average age of open tradelines; exclude auth user and joint ecoa",
"@_ID": "AP003",
"@_Value": "19"
},
{
"@_Name": "Number of hard inquiries",
"@_ID": "AP004",
"@_Value": "11"
},
{
"@_Name": "Number of payments",
"@_ID": "AP005",
"@_Value": "N/A"
},
{
"@_Name": "Revolving utilization on open credit cards",
"@_ID": "AP006",
"@_Value": "6"
},
{
"@_Name": "Total occurrences of minor delinqs",
"@_ID": "AP007",
"@_Value": "0"
},
{
"@_Name": "Total number of major derogatory tradelines",
"@_ID": "AP008",
"@_Value": "0"
},
{
"@_Name": "AT01S:Number of trades",
"@_ID": "AT01S",
"@_Value": "10"
},
{
"@_Name": "AT02S:Number of open trades",
"@_ID": "AT02S",
"@_Value": "9"
},
{
"@_Name": "AT06S:Number of trades opened in past 6 months",
"@_ID": "AT06S",
"@_Value": "1"
},
{
"@_Name": "AT09S:Number of trades opened in past 24 months",
"@_ID": "AT09S",
"@_Value": "7"
},
{
"@_Name": "AT20S:Months since oldest trade opened",
"@_ID": "AT20S",
"@_Value": "28"
},
{
"@_Name": "AT28A:Total credit line of open trades verified in past 12 months",
"@_ID": "AT28A",
"@_Value": "3965"
},
{
"@_Name": "AT28B:Total credit line of open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT28B",
"@_Value": "3965"
},
{
"@_Name": "AT33A:Total balance of open trades verified in past 12 months",
"@_ID": "AT33A",
"@_Value": "154"
},
{
"@_Name": "AT33B:Total balance of open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT33B",
"@_Value": "154"
},
{
"@_Name": "AT34A:Utilization for open trades verified in past 12 months",
"@_ID": "AT34A",
"@_Value": "4"
},
{
"@_Name": "AT34B:Utilization for open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT34B",
"@_Value": "4"
},
{
"@_Name": "AT36S:Months since most recent delinquency",
"@_ID": "AT36S",
"@_Value": "N/A"
},
{
"@_Name": "AT57S:Total past due amount of open trades verified in past 12 months",
"@_ID": "AT57S",
"@_Value": "0"
},
{
"@_Name": "AT103S:Percentage of satisfactory open trades to all open trades",
"@_ID": "AT103S",
"@_Value": "100"
},
{
"@_Name": "AT104S:Percentage of all trades opened in past 24 months to all trades",
"@_ID": "AT104S",
"@_Value": "67"
},
{
"@_Name": "ATAP01:Total scheduled monthly payment for all trades verified in past 12 months",
"@_ID": "ATAP01",
"@_Value": "40"
},
{
"@_Name": "AU28S:Total credit line of open auto trades verified in past 12 months",
"@_ID": "AU28S",
"@_Value": "0"
},
{
"@_Name": "AU33S:Total balance of open auto trades verified in past 12 months",
"@_ID": "AU33S",
"@_Value": "0"
},
{
"@_Name": "AU34S:Utilization for open auto trades verified in past 12 months",
"@_ID": "AU34S",
"@_Value": "N/A"
},
{
"@_Name": "AU57S:Total past due amount of open auto trades verified in past 12 months",
"@_ID": "AU57S",
"@_Value": "N/A"
},
{
"@_Name": "BC02S:Number of open credit card trades",
"@_ID": "BC02S",
"@_Value": "1"
},
{
"@_Name": "BC06S:Number of credit card trades opened in past 6 months",
"@_ID": "BC06S",
"@_Value": "0"
},
{
"@_Name": "BC102S:Average credit line of open credit card trades verified in past 12 months",
"@_ID": "BC102S",
"@_Value": "1700"
},
{
"@_Name": "BC12S:Number of open credit card trades verified in past 12 months",
"@_ID": "BC12S",
"@_Value": "1"
},
{
"@_Name": "BC20S:Months since oldest credit card trade opened",
"@_ID": "BC20S",
"@_Value": "25"
},
{
"@_Name": "BC28S:Total credit line of open credit card trades verified in past 12 months",
"@_ID": "BC28S",
"@_Value": "1700"
},
{
"@_Name": "BC30S:Percentage of open credit card trades > 50% of credit line verified in past 12 months",
"@_ID": "BC30S",
"@_Value": "0"
},
{
"@_Name": "BC31S:Percentage of open credit card trades > 75% of credit line verified in past 12 months",
"@_ID": "BC31S",
"@_Value": "0"
},
{
"@_Name": "BC33S:Total balance of open credit card trades verified in past 12 months",
"@_ID": "BC33S",
"@_Value": "154"
},
{
"@_Name": "BC34S:Utilization for open credit card trades verified in past 12 months",
"@_ID": "BC34S",
"@_Value": "9"
},
{
"@_Name": "BC57S:Total past due amount of open credit card trades verified in past 12 months",
"@_ID": "BC57S",
"@_Value": "0"
},
{
"@_Name": "CO04S:Months since most recent charged-off trade was first reported",
"@_ID": "CO04S",
"@_Value": "N/A"
},
{
"@_Name": "FC04S:Months since most recent foreclosure trade was first reported",
"@_ID": "FC04S",
"@_Value": "N/A"
},
{
"@_Name": "G020S:Number of trades with maximum delinquency of 30 days past due in past 24 months",
"@_ID": "G020S",
"@_Value": "0"
},
{
"@_Name": "G051S:Percentage of trades ever delinquent",
"@_ID": "G051S",
"@_Value": "0"
},
{
"@_Name": "G093S:Number of public records",
"@_ID": "G093S",
"@_Value": "0"
},
{
"@_Name": "G094S:Number of public record bankruptcies",
"@_ID": "G094S",
"@_Value": "0"
},
{
"@_Name": "G095S:Months since most recent public record",
"@_ID": "G095S",
"@_Value": "-4"
},
{
"@_Name": "G103S:Months since most recent credit inquiry",
"@_ID": "G103S",
"@_Value": "2"
},
{
"@_Name": "G202A:Total open to buy of open trades verified in past 12 months (excl installs and morts)",
"@_ID": "G202A",
"@_Value": "3811"
},
{
"@_Name": "G215B:Number of non-medical third party collections with balance > $0",
"@_ID": "G215B",
"@_Value": "0"
},
{
"@_Name": "G217S:Total past due amount of all trades verified in past 12 months",
"@_ID": "G217S",
"@_Value": "0"
},
{
"@_Name": "G218B:Number of trades verified in the past 12 months that are currently 30+ DPD",
"@_ID": "G218B",
"@_Value": "0"
},
{
"@_Name": "G224A:Number of 90 days past due or worse items ever (excluding medical colls)",
"@_ID": "G224A",
"@_Value": "0"
},
{
"@_Name": "G238S:Number of credit inquiries in past 12 months (excl coll inqs)",
"@_ID": "G238S",
"@_Value": "11"
},
{
"@_Name": "G244S:Number of inquiries (includes duplicates) in past 12 months",
"@_ID": "G244S",
"@_Value": "11"
},
{
"@_Name": "G250A:Number of 30 DPD or worse items ever (excluding medical colls)",
"@_ID": "G250A",
"@_Value": "0"
},
{
"@_Name": "G250B:Number of 30 DPD or worse items in the past 12 months (excluding medical colls)",
"@_ID": "G250B",
"@_Value": "0"
},
{
"@_Name": "G250C:Number of 30 DPD or worse items in the past 24 months (excluding medical colls)",
"@_ID": "G250C",
"@_Value": "0"
},
{
"@_Name": "G251A:Number of 60 DPD or worse items ever (excluding medical colls)",
"@_ID": "G251A",
"@_Value": "0"
},
{
"@_Name": "G302S:Worst rating on revolving trades in past 12 months",
"@_ID": "G302S",
"@_Value": "N/A"
},
{
"@_Name": "G304S:Worst rating on installment trades in past 12 months",
"@_ID": "G304S",
"@_Value": "N/A"
},
{
"@_Name": "G310S:Worst rating on all trades in past 12 months",
"@_ID": "G310S",
"@_Value": "N/A"
},
{
"@_Name": "GB311:Indicates if bankruptcies have been filed",
"@_ID": "GB311",
"@_Value": "0"
},
{
"@_Name": "HI57S:Total past due amount of open home equity loan trades verified in past 12 months",
"@_ID": "HI57S",
"@_Value": "N/A"
},
{
"@_Name": "HR57S:Total past due amount of open HELOC trades verified in past 12 months",
"@_ID": "HR57S",
"@_Value": "N/A"
},
{
"@_Name": "IN02S:Number of open installment trades",
"@_ID": "IN02S",
"@_Value": "3"
},
{
"@_Name": "IN06S:Number of installment trades opened in past 6 months",
"@_ID": "IN06S",
"@_Value": "1"
},
{
"@_Name": "IN28S:Total credit line of open installment trades verified in past 12 months",
"@_ID": "IN28S",
"@_Value": "0"
},
{
"@_Name": "IN33S:Total balance of open installment trades verified in past 12 months",
"@_ID": "IN33S",
"@_Value": "0"
},
{
"@_Name": "IN34S:Utilization for open installment trades verified in past 12 months",
"@_ID": "IN34S",
"@_Value": "N/A"
},
{
"@_Name": "IN36S:Months since most recent installment delinquency",
"@_ID": "IN36S",
"@_Value": "N/A"
},
{
"@_Name": "IN57S:Total past due amount of open installment trades verified in past 12 months",
"@_ID": "IN57S",
"@_Value": "0"
},
{
"@_Name": "MT02S:Number of open mortgage trades",
"@_ID": "MT02S",
"@_Value": "0"
},
{
"@_Name": "MT06S:Number of mortgage trades opened in past 6 months",
"@_ID": "MT06S",
"@_Value": "0"
},
{
"@_Name": "MT28S:Total credit line of open mortgage trades verified in past 12 months",
"@_ID": "MT28S",
"@_Value": "0"
},
{
"@_Name": "MT33S:Total balance of open mortgage trades verified in past 12 months",
"@_ID": "MT33S",
"@_Value": "0"
},
{
"@_Name": "MT34S:Utilization for open mortgage trades verified in past 12 months",
"@_ID": "MT34S",
"@_Value": "N/A"
},
{
"@_Name": "MT36S:Months since most recent mortgage delinquency",
"@_ID": "MT36S",
"@_Value": "N/A"
},
{
"@_Name": "MT57S:Total past due amount of open mortgage trades verified in past 12 months",
"@_ID": "MT57S",
"@_Value": "N/A"
},
{
"@_Name": "RE02S:Number of open revolving trades",
"@_ID": "RE02S",
"@_Value": "5"
},
{
"@_Name": "RE06S:Number of revolving trades opened in past 6 months",
"@_ID": "RE06S",
"@_Value": "0"
},
{
"@_Name": "RE12S:Number of open revolving trades verified in past 12 months",
"@_ID": "RE12S",
"@_Value": "5"
},
{
"@_Name": "RE20S:Months since oldest revolving trade opened",
"@_ID": "RE20S",
"@_Value": "28"
},
{
"@_Name": "RE21S:Months since most recent revolving trade opened",
"@_ID": "RE21S",
"@_Value": "8"
},
{
"@_Name": "RE28S:Total credit line of open revolving trades verified in past 12 months",
"@_ID": "RE28S",
"@_Value": "3965"
},
{
"@_Name": "RE30S:Percentage of open revolving trades > 50% of credit line verified in past 12 months",
"@_ID": "RE30S",
"@_Value": "0"
},
{
"@_Name": "RE31S:Percentage of open revolving trades > 75% of credit line verified in past 12 months",
"@_ID": "RE31S",
"@_Value": "0"
},
{
"@_Name": "RE33S:Total balance of open revolving trades verified in past 12 months",
"@_ID": "RE33S",
"@_Value": "154"
},
{
"@_Name": "RE34S:Utilization for open revolving trades verified in past 12 months",
"@_ID": "RE34S",
"@_Value": "4"
},
{
"@_Name": "RE36S:Months since most recent revolving delinquency",
"@_ID": "RE36S",
"@_Value": "N/A"
},
{
"@_Name": "RE57S:Total past due amount of open revolving trades verified in past 12 months",
"@_ID": "RE57S",
"@_Value": "0"
},
{
"@_Name": "RE102S:Average credit line of open revolving trades verified in past 12 months",
"@_ID": "RE102S",
"@_Value": "793"
},
{
"@_Name": "RP04S:Months since most recent repossession trade was first reported",
"@_ID": "RP04S",
"@_Value": "N/A"
},
{
"@_Name": "S004S:Average number of months trades have been on file",
"@_ID": "S004S",
"@_Value": "18"
},
{
"@_Name": "S043S:Number of open trades > 50% of credit line verified in 12 mons (excl installs and morts)",
"@_ID": "S043S",
"@_Value": "0"
},
{
"@_Name": "S061S:Months since most recent 60 or more days past due",
"@_ID": "S061S",
"@_Value": "N/A"
},
{
"@_Name": "S062S:Months since most recent 90 or more days past due",
"@_ID": "S062S",
"@_Value": "N/A"
},
{
"@_Name": "S068A:Number of third party collections",
"@_ID": "S068A",
"@_Value": "0"
},
{
"@_Name": "S114S:Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)",
"@_ID": "S114S",
"@_Value": "8"
},
{
"@_Name": "S204A:Total balance of non-medical third party collections verified in past 12 months",
"@_ID": "S204A",
"@_Value": "0"
},
{
"@_Name": "S207A:Months since most recent tradeline bankruptcy",
"@_ID": "S207A",
"@_Value": "N/A"
},
{
"@_Name": "S207S:Months since most recent public record bankruptcy",
"@_ID": "S207S",
"@_Value": "-4"
},
{
"@_Name": "S209A:Months since most recent non-medical third party collection",
"@_ID": "S209A",
"@_Value": "N/A"
},
{
"@_Name": "ST28S:Total credit line of open student loan trades verified in past 12 months",
"@_ID": "ST28S",
"@_Value": "0"
},
{
"@_Name": "ST33S:Total balance of open student loan trades verified in past 12 months",
"@_ID": "ST33S",
"@_Value": "0"
},
{
"@_Name": "ST34S:Utilization for open student loan trades verified in past 12 months",
"@_ID": "ST34S",
"@_Value": "N/A"
},
{
"@_Name": "ST57S:Total past due amount of open student loan trades verified in past 12 months",
"@_ID": "ST57S",
"@_Value": "N/A"
},
{
"@_Name": "PT014:Total Scheduled Monthly Payment",
"@_ID": "PT014",
"@_Value": "40"
},
{
"@_Name": "PT016:Utilization on revolving trades",
"@_ID": "PT016",
"@_Value": "4"
},
{
"@_Name": "PT017:Total balance on open revolving trades",
"@_ID": "PT017",
"@_Value": "154"
},
{
"@_Name": "PT019:Total Mortgage Monthly Payment",
"@_ID": "PT019",
"@_Value": "-5"
},
{
"@_Name": "PT020:Total balance on open Mortgages",
"@_ID": "PT020",
"@_Value": "-5"
},
{
"@_Name": "PT021:Total Monthly Automobile Payment",
"@_ID": "PT021",
"@_Value": "-5"
},
{
"@_Name": "PT022:Date of oldest trade",
"@_ID": "PT022",
"@_Value": "122019"
},
{
"@_Name": "PT023:Months since infile created at bureau",
"@_ID": "PT023",
"@_Value": "2"
},
{
"@_Name": "PT027:Total occurrances of delinquencies in past 12 months",
"@_ID": "PT027",
"@_Value": "0"
},
{
"@_Name": "PT038:Number of Inquiries in past 6 months",
"@_ID": "PT038",
"@_Value": "9"
},
{
"@_Name": "PT054:Total Credit Limit/High Credit on open tradelines",
"@_ID": "PT054",
"@_Value": "3965"
},
{
"@_Name": "PT056:Total balance on all tradelines",
"@_ID": "PT056",
"@_Value": "154"
},
{
"@_Name": "PT063:Number of currently delinquent tradelines",
"@_ID": "PT063",
"@_Value": "0"
},
{
"@_Name": "PT064:Number of currently delinquent revolving tradelines",
"@_ID": "PT064",
"@_Value": "0"
},
{
"@_Name": "PT065:Number of currently delinquent installment tradelines",
"@_ID": "PT065",
"@_Value": "0"
},
{
"@_Name": "PT068:Average balance on open tradelines",
"@_ID": "PT068",
"@_Value": "19"
},
{
"@_Name": "PT069:Number of Chargeoffs in past 12 months",
"@_ID": "PT069",
"@_Value": "0"
},
{
"@_Name": "PT071:Total occurrances of delinquencies in the past 2 years",
"@_ID": "PT071",
"@_Value": "0"
},
{
"@_Name": "PT072:Total occurrances of delinquencies in the past 30 days",
"@_ID": "PT072",
"@_Value": "0"
},
{
"@_Name": "PT073:Total occurrances of delinquencies in the past 60 days",
"@_ID": "PT073",
"@_Value": "0"
},
{
"@_Name": "PT074:Total occurrances of delinquencies in the past 7 years",
"@_ID": "PT074",
"@_Value": "0"
},
{
"@_Name": "PT076:Date of oldest trade",
"@_ID": "PT076",
"@_Value": "122019"
},
{
"@_Name": "PT079:Number of months since oldest installment tradeline opened",
"@_ID": "PT079",
"@_Value": "24"
},
{
"@_Name": "PT080:Number of months since oldest revolving tradeline opened",
"@_ID": "PT080",
"@_Value": "28"
},
{
"@_Name": "PT082:Number of months since most recent tradeline opened",
"@_ID": "PT082",
"@_Value": "5"
},
{
"@_Name": "PT083:Number of mortgage trades",
"@_ID": "PT083",
"@_Value": "0"
},
{
"@_Name": "PT088:Number of months since 90+ late or worse derogatory",
"@_ID": "PT088",
"@_Value": "-5"
},
{
"@_Name": "PT089:Number of tradelines reported in past 2 months and currently 120 days past due",
"@_ID": "PT089",
"@_Value": "0"
},
{
"@_Name": "PT090:Number of tradelines currently 30 days past due",
"@_ID": "PT090",
"@_Value": "0"
},
{
"@_Name": "PT091:Number of tradelines 90+ days past due in past 24 months",
"@_ID": "PT091",
"@_Value": "0"
},
{
"@_Name": "PT092:Number of tradelines opened in past 12 months",
"@_ID": "PT092",
"@_Value": "3"
},
{
"@_Name": "PT093:Percentage of tradelines never delinquent",
"@_ID": "PT093",
"@_Value": "100"
},
{
"@_Name": "PT094:Number of tradelines ever 120 days past due",
"@_ID": "PT094",
"@_Value": "0"
},
{
"@_Name": "PT095:Number of months since oldest bank installment tradeline",
"@_ID": "PT095",
"@_Value": "24"
},
{
"@_Name": "PT103:Total credit limit/high credit on open installment tradelines",
"@_ID": "PT103",
"@_Value": "0"
},
{
"@_Name": "PT104:Number of currently satisfactory tradelines",
"@_ID": "PT104",
"@_Value": "9"
},
{
"@_Name": "PT105:Number of revolving tradelines",
"@_ID": "PT105",
"@_Value": "5"
},
{
"@_Name": "PT110:Number of revolving tradelines opened in past 7 years",
"@_ID": "PT110",
"@_Value": "5"
},
{
"@_Name": "PT111:Total credit limit/high credit on open revolving tradelines",
"@_ID": "PT111",
"@_Value": "3965"
},
{
"@_Name": "PT112:Total available credit on open bankcard tradelines verified in the last 6 mons",
"@_ID": "PT112",
"@_Value": "1546"
},
{
"@_Name": "PT115:Percent of bankcard tradelines gt 75% of credit limit",
"@_ID": "PT115",
"@_Value": "0"
},
{
"@_Name": "PT118:Total credit limit/high credit on open bankcard tradelines",
"@_ID": "PT118",
"@_Value": "1700"
},
{
"@_Name": "PT119:Number of bankcard tradelines",
"@_ID": "PT119",
"@_Value": "1"
},
{
"@_Name": "PT120:Number of months since most recent bankcard tradeline opened",
"@_ID": "PT120",
"@_Value": "25"
},
{
"@_Name": "PT121:Number of bankcard tradelines opened in the past 6 months",
"@_ID": "PT121",
"@_Value": "0"
},
{
"@_Name": "PT122:Number of bankcard tradelines never delinquent",
"@_ID": "PT122",
"@_Value": "1"
},
{
"@_Name": "PT125:Number of months since most recent bankcard delinquency",
"@_ID": "PT125",
"@_Value": "-5"
},
{
"@_Name": "PT126:Percent utilization on bankcard tradelines",
"@_ID": "PT126",
"@_Value": "9"
},
{
"@_Name": "PT129:Number of Public Records with amount gt 100",
"@_ID": "PT129",
"@_Value": "-4"
},
{
"@_Name": "PT130:Number of Tax Liens",
"@_ID": "PT130",
"@_Value": "0"
},
{
"@_Name": "PT132:Total amount on Collections",
"@_ID": "PT132",
"@_Value": "0"
},
{
"@_Name": "PT133:Number of repossessions",
"@_ID": "PT133",
"@_Value": "0"
},
{
"@_Name": "PT134:Number of foreclosures",
"@_ID": "PT134",
"@_Value": "0"
},
{
"@_Name": "PT136:Number of Collections/Chargeoffs in past 24 months; excluding medical",
"@_ID": "PT136",
"@_Value": "0"
},
{
"@_Name": "PT137:Total amount on Collections in past 36 months; excluding medical",
"@_ID": "PT137",
"@_Value": "0"
},
{
"@_Name": "PT138:Number of tradelines active within the past 6 months",
"@_ID": "PT138",
"@_Value": "4"
},
{
"@_Name": "PT139:Number of mortgage tradelines opened in past 6 months",
"@_ID": "PT139",
"@_Value": "-5"
},
{
"@_Name": "PT140:Number of open installment tradelines opened within the past 24 months",
"@_ID": "PT140",
"@_Value": "3"
},
{
"@_Name": "PT141:Total occurrances of 30 days late within the past 12 months on Mortgage trades",
"@_ID": "PT141",
"@_Value": "-5"
},
{
"@_Name": "PT142:Number of mortgages passed due 30 days or more in the last 6 months",
"@_ID": "PT142",
"@_Value": "-5"
},
{
"@_Name": "PT143:Total occurrances of 30 days late within the past 12 months",
"@_ID": "PT143",
"@_Value": "0"
},
{
"@_Name": "PT144:Number of collections with amount gt 500",
"@_ID": "PT144",
"@_Value": "0"
},
{
"@_Name": "PT145:Total balance on unsecured credit card tradelines",
"@_ID": "PT145",
"@_Value": "154"
},
{
"@_Name": "PT146:Total balance on unsecured tradelines",
"@_ID": "PT146",
"@_Value": "154"
},
{
"@_Name": "PT147:Total amount on Tax Liens filed within the past 36 months",
"@_ID": "PT147",
"@_Value": "-4"
},
{
"@_Name": "PT148:Total amount on Judgements filed within the past 36 months",
"@_ID": "PT148",
"@_Value": "-4"
},
{
"@_Name": "PT149:Number of Public Records filed in past 24 months",
"@_ID": "PT149",
"@_Value": "-4"
},
{
"@_Name": "PT150:Number of non-federal Student Loan tradelines",
"@_ID": "PT150",
"@_Value": "0"
},
{
"@_Name": "PT151:Number of repossessed auto loan tradelines",
"@_ID": "PT151",
"@_Value": "-5"
},
{
"@_Name": "PT153:Percent utilization on installment tradelines",
"@_ID": "PT153",
"@_Value": "N/A"
},
{
"@_Name": "PT154:Number of revolving tradelines with balance gt 0",
"@_ID": "PT154",
"@_Value": "1"
},
{
"@_Name": "PT155:Number of installment tradelines opened in past 12 months",
"@_ID": "PT155",
"@_Value": "1"
},
{
"@_Name": "PT157:Number of revolving tradelines opened in past 12 months",
"@_ID": "PT157",
"@_Value": "2"
},
{
"@_Name": "PT158:Number of revolving tradelines opened in past 24 months",
"@_ID": "PT158",
"@_Value": "2"
},
{
"@_Name": "PT159:Number of credit union tradelines",
"@_ID": "PT159",
"@_Value": "0"
},
{
"@_Name": "PT160:Percent utilization on all open tradelines",
"@_ID": "PT160",
"@_Value": "4"
},
{
"@_Name": "PT162:Maximum balance on revolving tradelines",
"@_ID": "PT162",
"@_Value": "154"
},
{
"@_Name": "PT163:Number months since more recent installment tradeline opened",
"@_ID": "PT163",
"@_Value": "5"
},
{
"@_Name": "PT165:Number of auto tradelines 30 days past due in past 6 months",
"@_ID": "PT165",
"@_Value": "-5"
},
{
"@_Name": "PT166:Number of auto tradelines opened in past 6 months",
"@_ID": "PT166",
"@_Value": "-5"
},
{
"@_Name": "PT167:Number of retail tradelines opened in past 6 months",
"@_ID": "PT167",
"@_Value": "0"
},
{
"@_Name": "PT168:Number of student loans opened in past 12 months",
"@_ID": "PT168",
"@_Value": "-5"
},
{
"@_Name": "PT174:Total amount on Collections; excluding medical",
"@_ID": "PT174",
"@_Value": "0"
},
{
"@_Name": "PT175:Total amount on Tax Liens",
"@_ID": "PT175",
"@_Value": "-4"
},
{
"@_Name": "PT176:Total amount on Judgements",
"@_ID": "PT176",
"@_Value": "-4"
},
{
"@_Name": "PT177:Total credit limit on open credit card trades",
"@_ID": "PT177",
"@_Value": "2700"
},
{
"@_Name": "PT178:Total credit limit on open retail trades",
"@_ID": "PT178",
"@_Value": "1265"
},
{
"@_Name": "PT179:Total balance on open credit card trades",
"@_ID": "PT179",
"@_Value": "154"
},
{
"@_Name": "PT180:Total balance on open retail trades",
"@_ID": "PT180",
"@_Value": "0"
},
{
"@_Name": "PT181:Age of oldest trade in months",
"@_ID": "PT181",
"@_Value": "28"
},
{
"@_Name": "PT182:Total number of open credit card trades",
"@_ID": "PT182",
"@_Value": "3"
},
{
"@_Name": "PT183:Total number of open retail trades",
"@_ID": "PT183",
"@_Value": "3"
},
{
"@_Name": "PT184:Total number of trades ever delinquent",
"@_ID": "PT184",
"@_Value": "0"
},
{
"@_Name": "PT185:Total number of tradelines delinquent in the last 6 months",
"@_ID": "PT185",
"@_Value": "0"
},
{
"@_Name": "PT186:Total number of installment tradelines 60 days late or worse in the last 6 months",
"@_ID": "PT186",
"@_Value": "0"
},
{
"@_Name": "PT187:Total balances on currently delinquent tradelines",
"@_ID": "PT187",
"@_Value": "0"
},
{
"@_Name": "PT188:Worst current status on any open tradeline",
"@_ID": "PT188",
"@_Value": "0"
},
{
"@_Name": "PT189:Worst status in the past 12 months on any mortgage tradeline",
"@_ID": "PT189",
"@_Value": "0"
},
{
"@_Name": "PT190:Total number of closed credit card trades",
"@_ID": "PT190",
"@_Value": "0"
},
{
"@_Name": "PT191:Total number of closed installment trades",
"@_ID": "PT191",
"@_Value": "1"
},
{
"@_Name": "PT192:Percent of revolving credit available",
"@_ID": "PT192",
"@_Value": "96"
},
{
"@_Name": "PT193:Number of loans or credit cards applied for in past 24 months",
"@_ID": "PT193",
"@_Value": "11"
},
{
"@_Name": "PT194:Number of Installment tradelines not delinquent within the last 24 months",
"@_ID": "PT194",
"@_Value": "4"
},
{
"@_Name": "PT195:Max credit limit on open bank credit cards",
"@_ID": "PT195",
"@_Value": "1700"
},
{
"@_Name": "PT196:Number of collections with amount gt 0",
"@_ID": "PT196",
"@_Value": "0"
},
{
"@_Name": "PT197:Total Number of delinquent credit card and retail trades in last 6 months",
"@_ID": "PT197",
"@_Value": "0"
},
{
"@_Name": "PT198:Total number of open credit card tradelines with utilization gt 90%",
"@_ID": "PT198",
"@_Value": "0"
},
{
"@_Name": "PT199:Total number of open retail tradelines with utilization gt 90%",
"@_ID": "PT199",
"@_Value": "0"
},
{
"@_Name": "PT200:Number of closed trades; no exclusions",
"@_ID": "PT200",
"@_Value": "1"
},
{
"@_Name": "PT201:Number of open trades; no exclusions",
"@_ID": "PT201",
"@_Value": "9"
},
{
"@_Name": "PT202:Total balance on all trades; no exclusions",
"@_ID": "PT202",
"@_Value": "408"
},
{
"@_Name": "Deceased Indicator",
"@_ID": "AP009",
"@_Value": "N"
},
{
"@_Name": "Public Record Info",
"@_ID": "AP010",
"@_Value": ""
}
]
}
}
}
Updated 12 months ago