3B Credit Report (JSON)

{
  "CREDIT_RESPONSE": {
    "@MISMOVersionID": "2.4",
    "@CreditResponseID": "CRRep0001",
    "@CreditReportIdentifier": "1157-17854841-868520",
    "@CreditReportFirstIssuedDate": "2021-02-12T20:42:56.270Z",
    "@CreditReportMergeTypeIndicator": "ListAndStack",
    "@CreditRatingCodeType": "Equifax",
    "_DATA_INFORMATION": {
      "DATA_VERSION": [
        {
          "@_Name": "Credmo",
          "@_Number": "1.3"
        },
        {
          "@_Name": "Equifax",
          "@_Number": "5"
        },
        {
          "@_Name": "Experian",
          "@_Number": "7"
        },
        {
          "@_Name": "TransUnion",
          "@_Number": "4"
        }
      ]
    },
    "CREDIT_BUREAU": null,
    "CREDIT_REPOSITORY_INCLUDED": {
      "@_EquifaxIndicator": "Y",
      "@_ExperianIndicator": "Y",
      "@_TransUnionIndicator": "Y"
    },
    "CREDIT_FROZEN_STATUS": {
      "@_EquifaxIndicator": "false",
      "@_ExperianIndicator": "false",
      "@_TransUnionIndicator": "false"
    },
    "REQUESTING_PARTY": null,
    "CREDIT_REQUEST_DATA": {
      "@BorrowerID": "Borrower01",
      "CREDIT_REPOSITORY_INCLUDED": {
        "@_EquifaxIndicator": "N",
        "@_ExperianIndicator": "N",
        "@_TransUnionIndicator": "N"
      }
    },
    "BORROWER": {
      "@BorrowerID": "Borrower01",
      "@_BirthDate": "1968-09-22",
      "@_FirstName": "PAUL",
      "@_MiddleName": "M",
      "@_LastName": "SYRUS",
      "@_SSN": "555333444",
      "@_UnparsedName": "PAUL M SYRUS ",
      "@_PrintPositionType": "Borrower",
      "_RESIDENCE": [
        {
          "@_StreetAddress": "5003 SHOP ST",
          "@_City": "CHESTER",
          "@_State": "VA",
          "@_PostalCode": "238314235",
          "@BorrowerResidencyType": "Current"
        },
        {
          "@_StreetAddress": "316 SUNSET BV",
          "@_City": "CHESTER",
          "@_State": "VA",
          "@_PostalCode": "238362640",
          "@BorrowerResidencyType": "Prior"
        }
      ]
    },
    "CREDIT_LIABILITY": [
      {
        "@CreditLiabilityID": "TRADE001",
        "@BorrowerID": "Borrower01",
        "@CreditFileID": "TA01 RA01 EA01",
        "@CreditTradeReferenceID": "Primary",
        "@_AccountBalanceDate": "2021-01-31",
        "@_AccountIdentifier": "31230213936651000",
        "@_AccountOpenedDate": "2018-05-11",
        "@_AccountOwnershipType": "Individual",
        "@_AccountReportedDate": "2021-01-31",
        "@_AccountStatusDate": "2021-01-01",
        "@_AccountStatusType": "Open",
        "@_AccountType": "Installment",
        "@_DerogatoryDataIndicator": "N",
        "@_HighBalanceAmount": "17440",
        "@_HighCreditAmount": "17440",
        "@_LastActivityDate": "2021-01-05",
        "@_MonthlyPaymentAmount": "457",
        "@_MonthsReviewedCount": "33",
        "@_PastDueAmount": "0",
        "@_TermsMonthsCount": "72",
        "@_TermsDescription": "72M$457",
        "@_TermsSourceType": "Provided",
        "@_UnpaidBalanceAmount": "11961",
        "@CreditBusinessType": "Finance",
        "@CreditLoanType": "Automobile",
        "@CreditLoanTypeCode": "AU",
        "@_OriginalBalanceAmount": "17440",
        "@IsMortgageIndicator": "N",
        "@IsClosedIndicator": "N",
        "@LastPaymentDate": "2021-01-05",
        "_CREDITOR": {
          "@_Name": "SANTANDER CONSUMER USA",
          "@_StreetAddress": "PO BOX  961211",
          "@_City": "FORT WORTH",
          "@_State": "TX",
          "@_PostalCode": "76161",
          "CONTACT_DETAIL": {
            "CONTACT_POINT": {
              "@_Type": "Phone",
              "@_Value": "8882224227"
            }
          }
        },
        "_CURRENT_RATING": {
          "@_Code": "1",
          "@_Type": "AsAgreed"
        },
        "_LATE_COUNT": {
          "@_30Days": "00",
          "@_60Days": "00",
          "@_90Days": "00"
        },
        "_PAYMENT_PATTERN": {
          "@_Data": "CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC",
          "@_StartDate": "2021-01-31"
        },
        "CREDIT_COMMENT": [
          {
            "@_SourceType": "Experian",
            "@_Type": "StatusCode",
            "@_Code": "11",
            "_Text": "THIS IS AN ACCOUNT IN GOOD STANDING"
          },
          {
            "@_SourceType": "TransUnion",
            "@_Type": "Other",
            "@_TypeOtherDescripton": "TrendedData",
            "_Text": 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itLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2020-02/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000014158/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2020-01/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000014351/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-12/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000014522/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-11/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000014688/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-10/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000014861/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-09/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000015021/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-08/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000015187/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-07/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000015340/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-06/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000015491/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-05/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000015648/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-04/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000015792/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-03/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000015944/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-02/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000016082/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-01/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000016248/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000017440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000457/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATIONS>"
          }
        ],
        "CREDIT_REPOSITORY": [
          {
            "@_SourceType": "TransUnion",
            "@_SubscriberCode": "01R18003"
          },
          {
            "@_SourceType": "Equifax",
            "@_SubscriberCode": "682FA10137"
          },
          {
            "@_SourceType": "Experian"
          }
        ]
      },
      {
        "@CreditLiabilityID": "TRADE002",
        "@BorrowerID": "Borrower01",
        "@CreditFileID": "TA01",
        "@CreditTradeReferenceID": "Secondary",
        "@_AccountIdentifier": "31230213936651000",
        "@_AccountOpenedDate": "2018-05-11",
        "@_AccountOwnershipType": "Individual",
        "@_AccountReportedDate": "2021-01-31",
        "@_AccountStatusType": "Open",
        "@_AccountType": "Installment",
        "@_DerogatoryDataIndicator": "N",
        "@_HighBalanceAmount": "17440",
        "@_HighCreditAmount": "17440",
        "@_LastActivityDate": "2021-01-05",
        "@_MonthlyPaymentAmount": "457",
        "@_MonthsReviewedCount": "32",
        "@_PastDueAmount": "0",
        "@_TermsMonthsCount": "72",
        "@_TermsDescription": "72M$457",
        "@_TermsSourceType": "Provided",
        "@_UnpaidBalanceAmount": "11961",
        "@CreditBusinessType": "Finance",
        "@CreditLoanType": "Automobile",
        "@CreditLoanTypeCode": "AU",
        "@_OriginalBalanceAmount": "000017440",
        "@IsMortgageIndicator": "N",
        "@IsClosedIndicator": "N",
        "@LastPaymentDate": "2021-01-05",
        "_CREDITOR": {
          "@_Name": "SANTANDER",
          "@_StreetAddress": "PO BOX  961211",
          "@_City": "FORT WORTH",
          "@_State": "TX",
          "@_PostalCode": "76161",
          "CONTACT_DETAIL": {
            "CONTACT_POINT": {
              "@_Type": "Phone",
              "@_Value": "8882224227"
            }
          }
        },
        "_CURRENT_RATING": {
          "@_Code": "1",
          "@_Type": "AsAgreed"
        },
        "_LATE_COUNT": {
          "@_30Days": "00",
          "@_60Days": "00",
          "@_90Days": "00"
        },
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          "@_Type": "StatusCode",
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          "_Text": "THIS IS AN ACCOUNT IN GOOD STANDING"
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        "@_MonthlyPaymentAmount": "25",
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        "@_TermsDescription": "M$25",
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        "@IsMortgageIndicator": "N",
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            "@_SourceType": "TransUnion",
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        ],
        "CREDIT_REPOSITORY": [
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            "@_SourceType": "TransUnion",
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            "@_SourceType": "Equifax",
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        "@BorrowerID": "Borrower01",
        "@CreditFileID": "TA01",
        "@CreditTradeReferenceID": "Secondary",
        "@_AccountIdentifier": "555505966945",
        "@_AccountOpenedDate": "2018-11-19",
        "@_AccountOwnershipType": "Individual",
        "@_AccountReportedDate": "2021-01-16",
        "@_AccountStatusType": "Open",
        "@_AccountType": "Revolving",
        "@_DerogatoryDataIndicator": "N",
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        "@_HighBalanceAmount": "570",
        "@_HighCreditAmount": "570",
        "@_LastActivityDate": "2021-01-15",
        "@_MonthlyPaymentAmount": "25",
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        "CREDIT_COMMENT": {
          "@_SourceType": "TransUnion",
          "@_Type": "Other",
          "@_TypeOtherDescripton": "TrendedData",
          "_Text": "<CREDIT_LIABILITY_PRIOR_INFORMATIONS>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2020-12/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityCreditLimitAmount>000000300/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATIONS>"
        },
        "CREDIT_REPOSITORY": {
          "@_SourceType": "TransUnion",
          "@_SubscriberCode": "01DTV001"
        }
      },
      {
        "@CreditLiabilityID": "TRADE015",
        "@BorrowerID": "Borrower01",
        "@CreditFileID": "RA01",
        "@CreditTradeReferenceID": "Secondary",
        "@_AccountBalanceDate": "2021-01-16",
        "@_AccountIdentifier": "627805XXXXXX",
        "@_AccountOpenedDate": "2020-11-20",
        "@_AccountOwnershipType": "Individual",
        "@_AccountReportedDate": "2021-01-16",
        "@_AccountStatusDate": "2021-01-01",
        "@_AccountStatusType": "Open",
        "@_AccountType": "Revolving",
        "@_DerogatoryDataIndicator": "N",
        "@_CreditLimitAmount": "300",
        "@_HighBalanceAmount": "218",
        "@_HighCreditAmount": "218",
        "@_LastActivityDate": "2021-01-01",
        "@_MonthlyPaymentAmount": "25",
        "@_MonthsReviewedCount": "2",
        "@_TermsDescription": "M$25",
        "@_TermsSourceType": "Provided",
        "@_UnpaidBalanceAmount": "163",
        "@CreditBusinessType": "Banking",
        "@CreditLoanType": "CreditCard",
        "@CreditLoanTypeCode": "",
        "@IsMortgageIndicator": "N",
        "@IsClosedIndicator": "N",
        "_CREDITOR": {
          "@_Name": "CAPITAL ONE BANK USA N"
        },
        "_CURRENT_RATING": {
          "@_Code": "1",
          "@_Type": "AsAgreed"
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        "_LATE_COUNT": {
          "@_30Days": "0",
          "@_60Days": "0",
          "@_90Days": "0"
        },
        "_PAYMENT_PATTERN": {
          "@_Data": "CC",
          "@_StartDate": "2021-01-16"
        },
        "CREDIT_COMMENT": {
          "@_SourceType": "Experian",
          "@_Type": "StatusCode",
          "@_Code": "11",
          "_Text": "THIS IS AN ACCOUNT IN GOOD STANDING"
        },
        "CREDIT_REPOSITORY": {
          "@_SourceType": "Experian"
        }
      },
      {
        "@CreditLiabilityID": "TRADE016",
        "@BorrowerID": "Borrower01",
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        "@_AccountOpenedDate": "2020-11-20",
        "@_AccountOwnershipType": "Individual",
        "@_AccountReportedDate": "2021-01-16",
        "@_AccountStatusType": "Open",
        "@_AccountType": "Revolving",
        "@_DerogatoryDataIndicator": "N",
        "@_CreditLimitAmount": "300",
        "@_HighBalanceAmount": "218",
        "@_HighCreditAmount": "218",
        "@_LastActivityDate": "2021-01-01",
        "@_MonthlyPaymentAmount": "25",
        "@_MonthsReviewedCount": "1",
        "@_TermsDescription": "M$25",
        "@_TermsSourceType": "Provided",
        "@_UnpaidBalanceAmount": "163",
        "@CreditBusinessType": "Banking",
        "@CreditLoanType": "CreditCard",
        "@CreditLoanTypeCode": "18",
        "@IsMortgageIndicator": "N",
        "@IsClosedIndicator": "N",
        "@LastPaymentDate": "2021-01-01",
        "_CREDITOR": {
          "@_Name": "CAPITAL ONE BANK USA",
          "@_StreetAddress": "PO BOX 85015",
          "@_City": "RICHMOND",
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          "@_PostalCode": "232855075",
          "CONTACT_DETAIL": {
            "CONTACT_POINT": {
              "@_Type": "Phone",
              "@_Value": "8009557070"
            }
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        "_CURRENT_RATING": {
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        "_LATE_COUNT": {
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          "@_90Days": "00"
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        "_PAYMENT_PATTERN": {
          "@_Data": "CX",
          "@_StartDate": "2020-12-16"
        },
        "CREDIT_COMMENT": {
          "@_SourceType": "Equifax",
          "@_Type": "Other",
          "@_TypeOtherDescripton": "TrendedData",
          "_Text": "<CREDIT_LIABILITY_PRIOR_INFORMATIONS>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2021-01/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>163/>\n\t\t\t\t\t\t<CreditLiabilityCreditLimitAmount>300/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>218/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>25/>\n\t\t\t\t\t\t<CreditLiabilityLastPaymentDate>2021-01-01/>\n\t\t\t\t\t\t<CreditLiabilityAccountType>18/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2020-12/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>0/>\n\t\t\t\t\t\t<CreditLiabilityCreditLimitAmount>300/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>0/>\n\t\t\t\t\t\t<CreditLiabilityAccountType>18/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATIONS>"
        },
        "CREDIT_REPOSITORY": {
          "@_SourceType": "Equifax",
          "@_SubscriberCode": "850BB01498"
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      {
        "@CreditLiabilityID": "TRADE017",
        "@BorrowerID": "Borrower01",
        "@CreditFileID": "EA01",
        "@CreditTradeReferenceID": "Primary",
        "@_AccountIdentifier": "1065505022408",
        "@_AccountOpenedDate": "2003-10-28",
        "@_AccountOwnershipType": "Individual",
        "@_AccountReportedDate": "2015-02-06",
        "@_AccountStatusType": "Open",
        "@_AccountType": "Mortgage",
        "@_DerogatoryDataIndicator": "Y",
        "@_LastActivityDate": "2003-10-28",
        "@_MonthsReviewedCount": "2",
        "@_UnpaidBalanceAmount": "",
        "@CreditBusinessType": "Finance",
        "@CreditLoanType": "ConventionalRealEstateMortgage",
        "@CreditLoanTypeCode": "26",
        "@IsMortgageIndicator": "Y",
        "@IsClosedIndicator": "Y",
        "@LastPaymentDate": "2015-02-01",
        "_CREDITOR": {
          "@_Name": "AMERICA'S SERVICING",
          "@_StreetAddress": "8480 STAGECOACH CIRCLE",
          "@_City": "FREDERICK",
          "@_State": "MD",
          "@_PostalCode": "21701",
          "CONTACT_DETAIL": {
            "CONTACT_POINT": {
              "@_Type": "Phone",
              "@_Value": "8008427654"
            }
          }
        },
        "_CURRENT_RATING": {
          "@_Code": "7",
          "@_Type": "BankruptcyOrWageEarnerPlan"
        },
        "_HIGHEST_ADVERSE_RATING": {
          "@_Code": "7",
          "@_Type": "BankruptcyOrWageEarnerPlan"
        },
        "_LATE_COUNT": {
          "@_30Days": "00",
          "@_60Days": "00",
          "@_90Days": "00"
        },
        "CREDIT_COMMENT": {
          "@_SourceType": "Equifax",
          "@_Type": "BureauRemarks",
          "@_Code": "FW",
          "_Text": "CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS"
        },
        "CREDIT_REPOSITORY": {
          "@_SourceType": "Equifax",
          "@_SubscriberCode": "243FZ00155"
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      },
      {
        "@CreditLiabilityID": "TRADE018",
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        "@CreditFileID": "EA01 TA01 RA01",
        "@CreditTradeReferenceID": "Primary",
        "@_AccountIdentifier": "378960001",
        "@_AccountOpenedDate": "2019-11-18",
        "@_AccountOwnershipType": "Individual",
        "@_AccountPaidDate": "2020-05-01",
        "@_AccountReportedDate": "2020-06-01",
        "@_AccountStatusType": "Transferred",
        "@_AccountType": "Installment",
        "@_DerogatoryDataIndicator": "N",
        "@_HighBalanceAmount": "2440",
        "@_HighCreditAmount": "2440",
        "@_LastActivityDate": "2020-06-01",
        "@_MonthlyPaymentAmount": "0",
        "@_MonthsReviewedCount": "7",
        "@_PastDueAmount": "0",
        "@_TermsMonthsCount": "36",
        "@_TermsDescription": "36M",
        "@_TermsSourceType": "Provided",
        "@_UnpaidBalanceAmount": "0",
        "@CreditBusinessType": "Finance",
        "@CreditLoanType": "NoteLoan",
        "@CreditLoanTypeCode": "20",
        "@_OriginalBalanceAmount": "2440",
        "@IsMortgageIndicator": "N",
        "@IsClosedIndicator": "Y",
        "@LastPaymentDate": "2020-05-22",
        "_CREDITOR": {
          "@_Name": "CHESTERFIELD FEDERAL C",
          "@_StreetAddress": "PO BOX 820",
          "@_City": "CHESTERFIELD",
          "@_State": "VA",
          "@_PostalCode": "23832",
          "CONTACT_DETAIL": {
            "CONTACT_POINT": {
              "@_Type": "Phone",
              "@_Value": "8047481417"
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        "_CURRENT_RATING": {
          "@_Code": "1",
          "@_Type": "AsAgreed"
        },
        "_LATE_COUNT": {
          "@_30Days": "00",
          "@_60Days": "00",
          "@_90Days": "00"
        },
        "_PAYMENT_PATTERN": {
          "@_Data": "CCCCCCC",
          "@_StartDate": "2020-05-01"
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        "CREDIT_COMMENT": [
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            "@_SourceType": "Equifax",
            "@_Type": "BureauRemarks",
            "@_Code": "EP",
            "_Text": "FIXED RATE"
          },
          {
            "@_SourceType": "Equifax",
            "@_Type": "Other",
            "@_TypeOtherDescripton": "TrendedData",
            "_Text": "<CREDIT_LIABILITY_PRIOR_INFORMATIONS>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-09/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>2107/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>2440/>\n\t\t\t\t\t\t<CreditLiabilityActualPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityLastPaymentDate>2020-05-01/>\n\t\t\t\t\t\t<CreditLiabilityComment1>EP/>\n\t\t\t\t\t\t<CreditLiabilityAccountType>20/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-08/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>2165/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>2440/>\n\t\t\t\t\t\t<CreditLiabilityActualPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityLastPaymentDate>2020-04-01/>\n\t\t\t\t\t\t<CreditLiabilityComment1>EP/>\n\t\t\t\t\t\t<CreditLiabilityAccountType>20/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-07/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>2226/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>2440/>\n\t\t\t\t\t\t<CreditLiabilityActualPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityLastPaymentDate>2020-03-01/>\n\t\t\t\t\t\t<CreditLiabilityComment1>EP/>\n\t\t\t\t\t\t<CreditLiabilityAccountType>20/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-06/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>2279/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>2440/>\n\t\t\t\t\t\t<CreditLiabilityActualPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityLastPaymentDate>2020-02-01/>\n\t\t\t\t\t\t<CreditLiabilityComment1>EP/>\n\t\t\t\t\t\t<CreditLiabilityAccountType>20/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-05/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>2335/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>2440/>\n\t\t\t\t\t\t<CreditLiabilityActualPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityLastPaymentDate>2020-01-01/>\n\t\t\t\t\t\t<CreditLiabilityComment1>EP/>\n\t\t\t\t\t\t<CreditLiabilityAccountType>20/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-04/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>2389/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>2440/>\n\t\t\t\t\t\t<CreditLiabilityActualPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityLastPaymentDate>2019-12-01/>\n\t\t\t\t\t\t<CreditLiabilityComment1>EP/>\n\t\t\t\t\t\t<CreditLiabilityAccountType>20/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-03/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>2440/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>2440/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>84/>\n\t\t\t\t\t\t<CreditLiabilityComment1>EP/>\n\t\t\t\t\t\t<CreditLiabilityAccountType>20/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATIONS>"
          }
        ],
        "CREDIT_REPOSITORY": [
          {
            "@_SourceType": "Equifax",
            "@_SubscriberCode": "850FC30294"
          },
          {
            "@_SourceType": "Experian"
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          {
            "@_SourceType": "TransUnion",
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        ]
      },
      {
        "@CreditLiabilityID": "TRADE019",
        "@BorrowerID": "Borrower01",
        "@CreditFileID": "EA01",
        "@CreditTradeReferenceID": "Secondary",
        "@_AccountIdentifier": "378960001",
        "@_AccountOpenedDate": "2019-11-18",
        "@_AccountOwnershipType": "Individual",
        "@_AccountPaidDate": "2020-05-01",
        "@_AccountReportedDate": "2020-06-01",
        "@_AccountStatusType": "Transferred",
        "@_AccountType": "Installment",
        "@_DerogatoryDataIndicator": "N",
        "@_HighBalanceAmount": "2440",
        "@_HighCreditAmount": "2440",
        "@_LastActivityDate": "2020-06-01",
        "@_MonthsReviewedCount": "7",
        "@_TermsMonthsCount": "36",
        "@_TermsDescription": "36M",
        "@_TermsSourceType": "Provided",
        "@_UnpaidBalanceAmount": "0",
        "@CreditBusinessType": "Finance",
        "@CreditLoanType": "NoteLoan",
        "@CreditLoanTypeCode": "20",
        "@IsMortgageIndicator": "N",
        "@IsClosedIndicator": "Y",
        "@LastPaymentDate": "2020-05-01",
        "_CREDITOR": {
          "@_Name": "CHESTERFIELD FEDERAL",
          "@_StreetAddress": "6737 PUBLIC SAFETY WAY",
          "@_City": "CHESTERFIELD",
          "@_State": "VA",
          "@_PostalCode": "23832",
          "CONTACT_DETAIL": {
            "CONTACT_POINT": {
              "@_Type": "Phone",
              "@_Value": "8047481417"
            }
          }
        },
        "_CURRENT_RATING": {
          "@_Code": "1",
          "@_Type": "AsAgreed"
        },
        "_LATE_COUNT": {
          "@_30Days": "00",
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          "@_90Days": "00"
        },
        "_PAYMENT_PATTERN": {
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        },
        "CREDIT_COMMENT": [
          {
            "@_SourceType": "Equifax",
            "@_Type": "BureauRemarks",
            "@_Code": "EP",
            "_Text": "FIXED RATE"
          },
          {
            "@_SourceType": "Equifax",
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        "@_DerogatoryDataIndicator": "N",
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        "@_HighCreditAmount": "2440",
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        "@_MonthlyPaymentAmount": "84",
        "@_MonthsReviewedCount": "6",
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        "@_TermsDescription": "36M$84",
        "@_TermsSourceType": "Provided",
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          "@_StreetAddress": "PO BOX 820",
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        "_LATE_COUNT": {
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        "_PAYMENT_PATTERN": {
          "@_Data": "CCCCCC",
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        "CREDIT_COMMENT": {
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          "_Text": "<CREDIT_LIABILITY_PRIOR_INFORMATIONS>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2020-04/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000002165/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000002440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000084/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2020-03/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000002226/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000002440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000084/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2020-02/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000002279/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000002440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000084/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2020-01/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000002335/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000002440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000084/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-12/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000002389/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000002440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000084/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-11/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000002440/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000002440/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityMonthlyPaymentAmount>000000084/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATIONS>"
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        "CREDIT_COMMENT": [
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          {
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            "_Text": "<CREDIT_LIABILITY_PRIOR_INFORMATIONS>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2020-03/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityCreditLimitAmount>000000300/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityComment1>INA/>\n\t\t\t\t\t\t<CreditLiabilityComment2>CLO/>\n\t\t\t\t\t\t<CreditLiabilityComment3>CBC/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2020-02/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityCreditLimitAmount>000000300/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2020-01/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityCreditLimitAmount>000000300/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-12/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityCreditLimitAmount>000000300/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-11/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityCreditLimitAmount>000000300/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-10/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityCreditLimitAmount>000000300/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t<CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t\t<CreditLiabilityAccountReportedDate>2019-09/>\n\t\t\t\t\t\t<CreditLiabilityUnpaidBalanceAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityCreditLimitAmount>000000300/>\n\t\t\t\t\t\t<CreditLiabilityHighCreditAmount>000000000/>\n\t\t\t\t\t\t<CreditLiabilityPastDueAmount>000000000/>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_DETAIL>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATION>\n\t\t\t\t\t</CREDIT_LIABILITY_PRIOR_INFORMATIONS>"
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        "@BorrowerID": "Borrower01",
        "@CreditFileID": "EA01",
        "@CreditTradeReferenceID": "Secondary",
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        "@_AccountIdentifier": "6808895916251597",
        "@_AccountOpenedDate": "2019-10-06",
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        "@_AccountReportedDate": "2020-11-15",
        "@_AccountStatusType": "Closed",
        "@_AccountType": "Revolving",
        "@_DerogatoryDataIndicator": "Y",
        "@_CreditLimitAmount": "230",
        "@_HighBalanceAmount": "310",
        "@_HighCreditAmount": "310",
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        "@_MonthsReviewedCount": "13",
        "@_UnpaidBalanceAmount": "0",
        "@CreditBusinessType": "DepartmentAndMailOrder",
        "@CreditLoanType": "ChargeAccount",
        "@CreditLoanTypeCode": "07",
        "@IsMortgageIndicator": "N",
        "@IsClosedIndicator": "Y",
        "@LastPaymentDate": "2020-07-01",
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          "@_Name": "SYNCB/JC PENNEYS",
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            "CONTACT_POINT": {
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          "@_Code": "1",
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        "_HIGHEST_ADVERSE_RATING": {
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        "_PAYMENT_PATTERN": {
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          "@_StartDate": "2020-10-15"
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          {
            "@_SourceType": "Equifax",
            "@_Type": "Other",
            "@_TypeOtherDescripton": "TrendedData",
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        ],
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        "@_AccountStatusType": "Closed",
        "@_AccountType": "Installment",
        "@_ChargeOffAmount": "5500",
        "@_ChargeOffDate": "2010-08-28",
        "@_CollateralDescription": "07 DIRECT LOANS",
        "@_DerogatoryDataIndicator": "Y",
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        "@_LastActivityDate": "2020-11-06",
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        "@_OriginalCreditorName": "DIRECT LOANS",
        "@_PastDueAmount": "6683",
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        "@_TermsDescription": "36M",
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        "@CreditBusinessType": "Government",
        "@CreditLoanType": "Educational",
        "@CreditLoanTypeCode": "12",
        "@_OriginalBalanceAmount": "5500",
        "@IsMortgageIndicator": "N",
        "@IsClosedIndicator": "Y",
        "@IsCollectionIndicator": "Y",
        "@IsChargeoffIndicator": "Y",
        "_CREDITOR": {
          "@_Name": "U S DEPT OF ED/GSL/ATL",
          "@_StreetAddress": "PO BOX 5609",
          "@_City": "GREENVILLE",
          "@_State": "TX",
          "@_PostalCode": "75403",
          "CONTACT_DETAIL": {
            "CONTACT_POINT": {
              "@_Type": "Phone",
              "@_Value": "8006213115"
            }
          }
        },
        "_CURRENT_RATING": {
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        },
        "_HIGHEST_ADVERSE_RATING": {
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        },
        "_LATE_COUNT": {
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          },
          {
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            "_Text": "COLLECTION ACCOUNT"
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          {
            "@_SourceType": "Equifax",
            "@_Type": "Other",
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        "@BorrowerID": "Borrower01",
        "@CreditFileID": "TA01",
        "@_Name": "CREDCO",
        "@_StreetAddress": "10277 SCRIPPS RANC",
        "@_City": "SAN DIEGO",
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        "@_PostalCode": "92131",
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        "@CreditInquiryID": "INQUIRY045",
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        "CREDIT_REPOSITORY": {
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        "@CreditInquiryID": "INQUIRY046",
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        "@CreditInquiryID": "INQUIRY053",
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      {
        "@CreditInquiryID": "INQUIRY054",
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        "@_Name": "EQUIFAX AUTO MTNC UP",
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        "CREDIT_REPOSITORY": {
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      {
        "@CreditInquiryID": "INQUIRY055",
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      {
        "@CreditInquiryID": "INQUIRY057",
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        "@CreditInquiryID": "INQUIRY058",
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        "@CreditInquiryID": "INQUIRY059",
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        "@CreditInquiryID": "INQUIRY060",
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        "@CreditInquiryID": "INQUIRY061",
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        "@CreditInquiryID": "INQUIRY064",
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            {
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      },
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            {
              "@BorrowerResidencyType": "Prior",
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              "@_DateReported": "2018-12-13"
            },
            {
              "@BorrowerResidencyType": "Prior",
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            {
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        "_VARIATION": {
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      {
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        "@_ResultStatusType": "FileReturned",
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            "@_CategoryType": "FACTAAddressDiscrepancy",
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            "@_TypeOtherDescription": "Facta Address",
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          },
          {
            "@_CategoryType": "FACTARiskScoreValue",
            "@_Type": "Other",
            "@_TypeOtherDescription": "Facta Fifth Reason Code",
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        ],
        "_BORROWER": {
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            {
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            {
              "@BorrowerResidencyType": "Prior",
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            },
            {
              "@BorrowerResidencyType": "Prior",
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              "@BorrowerResidencyDurationYears": "19",
              "@BorrowerResidencyDurationMonths": "3",
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            },
            {
              "@BorrowerResidencyType": "Prior",
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              "@_City": "RICHMOND",
              "@_State": "VA",
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              "@BorrowerResidencyDurationYears": "21",
              "@BorrowerResidencyDurationMonths": "9",
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              "@EmploymentReportedDate": "2019-06-01"
            },
            {
              "@_Name": "POWER PACKING",
              "@EmploymentCurrentIndicator": "N",
              "@EmploymentPositionDescription": "MACH OPR"
            },
            {
              "@_Name": "TED LANSING",
              "@EmploymentCurrentIndicator": "N",
              "@EmploymentPositionDescription": "SPACER"
            }
          ]
        },
        "_VARIATION": {
          "@_Type": "DifferentName"
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      }
    ],
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        "@CreditScoreID": "SCORE001",
        "@BorrowerID": "Borrower01",
        "@CreditFileID": "TA01",
        "@_Date": "2021-02-12",
        "@CreditReportIdentifier": "1157-17854841-868520",
        "@_FACTAInquiriesIndicator": "Y",
        "@_ModelNameType": "Other",
        "@_ModelNameTypeOtherDescription": "TransUnionVantageScore3.0",
        "@_Value": "595",
        "@CreditRepositorySourceType": "TransUnion",
        "_FACTOR": [
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            "@_Code": "98",
            "@_Text": "There is a bankruptcy on your credit report"
          },
          {
            "@_Code": "15",
            "@_Text": "Newest delinquent or derogatory payment status on your accounts is too recent"
          },
          {
            "@_Code": "63",
            "@_Text": "Lack of sufficient relevant real estate account information"
          },
          {
            "@_Code": "14",
            "@_Text": "Lack of sufficient credit history"
          },
          {
            "@_Code": "I",
            "@_Text": "Inquiries did impact the credit score"
          }
        ]
      },
      {
        "@CreditScoreID": "SCORE002",
        "@BorrowerID": "Borrower01",
        "@CreditFileID": "RA01",
        "@_Date": "2021-02-12",
        "@CreditReportIdentifier": "1157-17854841-868520",
        "@_ModelNameType": "Other",
        "@_ModelNameTypeOtherDescription": "ExperianVantageScore3.0",
        "@_Value": "591",
        "@CreditRepositorySourceType": "Experian",
        "_FACTOR": [
          {
            "@_Code": "84",
            "@_Text": "The number of inquiries was also a factor, but effect was not significant"
          },
          {
            "@_Code": "14",
            "@_Text": "Lack of sufficient credit history"
          },
          {
            "@_Code": "63",
            "@_Text": "Lack of sufficient relevant real estate account information"
          },
          {
            "@_Code": "15",
            "@_Text": "Newest delinquent or derogatory payment status on your accounts is too recent"
          },
          {
            "@_Code": "98",
            "@_Text": "There is a bankruptcy on your credit report"
          }
        ]
      },
      {
        "@CreditScoreID": "SCORE003",
        "@BorrowerID": "Borrower01",
        "@CreditFileID": "EA01",
        "@_Date": "2021-02-12",
        "@CreditReportIdentifier": "1157-17854841-868520",
        "@_FACTAInquiriesIndicator": "Y",
        "@_ModelNameType": "Other",
        "@_ModelNameTypeOtherDescription": "EquifaxVantageScore3.0",
        "@_Value": "596",
        "@CreditRepositorySourceType": "Equifax",
        "_FACTOR": [
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            "@_Code": "98",
            "@_Text": "There is a bankruptcy on your credit report"
          },
          {
            "@_Code": "15",
            "@_Text": "Newest delinquent or derogatory payment status on your accounts is too recent"
          },
          {
            "@_Code": "61",
            "@_Text": "No open real estate accounts in your credit file"
          },
          {
            "@_Code": "9",
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          },
          {
            "@_Code": "Y",
            "@_Text": "Number of inquiries adversely affected the score but not significantly"
          }
        ]
      }
    ],
    "CREDIT_SUMMARY": [
      {
        "@BorrowerID": "Borrower01",
        "@_Name": "Attributes",
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          {
            "@_Name": "Number of tradelines",
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          },
          {
            "@_Name": "Average age of open tradelines",
            "@_Value": "44"
          },
          {
            "@_Name": "Number of hard inquiries",
            "@_Value": "28"
          },
          {
            "@_Name": "Number of payments",
            "@_Value": "126"
          },
          {
            "@_Name": "Revolving utilization on open credit cards",
            "@_Value": "36"
          },
          {
            "@_Name": "Total occurrences of minor delinqs",
            "@_Value": "4"
          },
          {
            "@_Name": "Total number of major derogatory tradelines",
            "@_Value": "1"
          },
          {
            "@_Name": "AT01S:Number of trades",
            "@_Value": "10"
          },
          {
            "@_Name": "AT02S:Number of open trades",
            "@_Value": "7"
          },
          {
            "@_Name": "AT06S:Number of trades opened in past 6 months",
            "@_Value": "1"
          },
          {
            "@_Name": "AT09S:Number of trades opened in past 24 months",
            "@_Value": "7"
          },
          {
            "@_Name": "AT20S:Months since oldest trade opened",
            "@_Value": "208"
          },
          {
            "@_Name": "AT28A:Total credit line of open trades verified in past 12 months",
            "@_Value": "23087"
          },
          {
            "@_Name": "AT28B:Total credit line of open trades verified in past 12 months (excl mort and home equity)",
            "@_Value": "23087"
          },
          {
            "@_Name": "AT33A:Total balance of open trades verified in past 12 months",
            "@_Value": "14013"
          },
          {
            "@_Name": "AT33B:Total balance of open trades verified in past 12 months (excl mort and home equity)",
            "@_Value": "14013"
          },
          {
            "@_Name": "AT34A:Utilization for open trades verified in past 12 months",
            "@_Value": "61"
          },
          {
            "@_Name": "AT34B:Utilization for open trades verified in past 12 months (excl mort and home equity)",
            "@_Value": "61"
          },
          {
            "@_Name": "AT36S:Months since most recent delinquency",
            "@_Value": "7"
          },
          {
            "@_Name": "AT57S:Total past due amount of open trades verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "AT103S:Percentage of satisfactory open trades to all open trades",
            "@_Value": "86"
          },
          {
            "@_Name": "AT104S:Percentage of all trades opened in past 24 months to all trades",
            "@_Value": "70"
          },
          {
            "@_Name": "ATAP01:Total scheduled monthly payment for all trades verified in past 12 months",
            "@_Value": "591"
          },
          {
            "@_Name": "AU28S:Total credit line of open auto trades verified in past 12 months",
            "@_Value": "17440"
          },
          {
            "@_Name": "AU33S:Total balance of open auto trades verified in past 12 months",
            "@_Value": "11961"
          },
          {
            "@_Name": "AU34S:Utilization for open auto trades verified in past 12 months",
            "@_Value": "69"
          },
          {
            "@_Name": "AU57S:Total past due amount of open auto trades verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "BC02S:Number of open credit card trades",
            "@_Value": "2"
          },
          {
            "@_Name": "BC06S:Number of credit card trades opened in past 6 months",
            "@_Value": "1"
          },
          {
            "@_Name": "BC102S:Average credit line of open credit card trades verified in past 12 months",
            "@_Value": "400"
          },
          {
            "@_Name": "BC12S:Number of open credit card trades verified in past 12 months",
            "@_Value": "2"
          },
          {
            "@_Name": "BC20S:Months since oldest credit card trade opened",
            "@_Value": "27"
          },
          {
            "@_Name": "BC28S:Total credit line of open credit card trades verified in past 12 months",
            "@_Value": "800"
          },
          {
            "@_Name": "BC30S:Percentage of open credit card trades > 50% of credit line verified in past 12 months",
            "@_Value": "50"
          },
          {
            "@_Name": "BC31S:Percentage of open credit card trades > 75% of credit line verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "BC33S:Total balance of open credit card trades verified in past 12 months",
            "@_Value": "431"
          },
          {
            "@_Name": "BC34S:Utilization for open credit card trades verified in past 12 months",
            "@_Value": "54"
          },
          {
            "@_Name": "BC57S:Total past due amount of open credit card trades verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "CO04S:Months since most recent charged-off trade was first reported",
            "@_Value": "N/A"
          },
          {
            "@_Name": "FC04S:Months since most recent foreclosure trade was first reported",
            "@_Value": "N/A"
          },
          {
            "@_Name": "G020S:Number of trades with maximum delinquency of 30 days past due in past 24 months",
            "@_Value": "1"
          },
          {
            "@_Name": "G051S:Percentage of trades ever delinquent",
            "@_Value": "30"
          },
          {
            "@_Name": "G093S:Number of public records",
            "@_Value": "3"
          },
          {
            "@_Name": "G094S:Number of public record bankruptcies",
            "@_Value": "3"
          },
          {
            "@_Name": "G095S:Months since most recent public record",
            "@_Value": "43"
          },
          {
            "@_Name": "G103S:Months since most recent credit inquiry",
            "@_Value": "2"
          },
          {
            "@_Name": "G202A:Total open to buy of open trades verified in past 12 months (excl installs and morts)",
            "@_Value": "669"
          },
          {
            "@_Name": "G215B:Number of non-medical third party collections with balance > $0",
            "@_Value": "0"
          },
          {
            "@_Name": "G217S:Total past due amount of all trades verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "G218B:Number of trades verified in the past 12 months that are currently 30+ DPD",
            "@_Value": "0"
          },
          {
            "@_Name": "G224A:Number of 90 days past due or worse items ever (excluding medical colls)",
            "@_Value": "2"
          },
          {
            "@_Name": "G238S:Number of credit inquiries in past 12 months (excl coll inqs)",
            "@_Value": "11"
          },
          {
            "@_Name": "G244S:Number of inquiries (includes duplicates) in past 12 months",
            "@_Value": "11"
          },
          {
            "@_Name": "G250A:Number of 30 DPD or worse items ever (excluding medical colls)",
            "@_Value": "3"
          },
          {
            "@_Name": "G250B:Number of 30 DPD or worse items in the past 12 months (excluding medical colls)",
            "@_Value": "2"
          },
          {
            "@_Name": "G250C:Number of 30 DPD or worse items in the past 24 months (excluding medical colls)",
            "@_Value": "2"
          },
          {
            "@_Name": "G251A:Number of 60 DPD or worse items ever (excluding medical colls)",
            "@_Value": "2"
          },
          {
            "@_Name": "G302S:Worst rating on revolving trades in past 12 months",
            "@_Value": "4"
          },
          {
            "@_Name": "G304S:Worst rating on installment trades in past 12 months",
            "@_Value": "N/A"
          },
          {
            "@_Name": "G310S:Worst rating on all trades in past 12 months",
            "@_Value": "4"
          },
          {
            "@_Name": "HI57S:Total past due amount of open home equity loan trades verified in past 12 months",
            "@_Value": "N/A"
          },
          {
            "@_Name": "HR57S:Total past due amount of open HELOC trades verified in past 12 months",
            "@_Value": "N/A"
          },
          {
            "@_Name": "IN02S:Number of open installment trades",
            "@_Value": "4"
          },
          {
            "@_Name": "IN06S:Number of installment trades opened in past 6 months",
            "@_Value": "0"
          },
          {
            "@_Name": "IN28S:Total credit line of open installment trades verified in past 12 months",
            "@_Value": "21987"
          },
          {
            "@_Name": "IN33S:Total balance of open installment trades verified in past 12 months",
            "@_Value": "13582"
          },
          {
            "@_Name": "IN34S:Utilization for open installment trades verified in past 12 months",
            "@_Value": "62"
          },
          {
            "@_Name": "IN36S:Months since most recent installment delinquency",
            "@_Value": "72"
          },
          {
            "@_Name": "IN57S:Total past due amount of open installment trades verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "MT02S:Number of open mortgage trades",
            "@_Value": "1"
          },
          {
            "@_Name": "MT06S:Number of mortgage trades opened in past 6 months",
            "@_Value": "0"
          },
          {
            "@_Name": "MT28S:Total credit line of open mortgage trades verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "MT33S:Total balance of open mortgage trades verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "MT34S:Utilization for open mortgage trades verified in past 12 months",
            "@_Value": "N/A"
          },
          {
            "@_Name": "MT36S:Months since most recent mortgage delinquency",
            "@_Value": "72"
          },
          {
            "@_Name": "MT57S:Total past due amount of open mortgage trades verified in past 12 months",
            "@_Value": "N/A"
          },
          {
            "@_Name": "RE02S:Number of open revolving trades",
            "@_Value": "3"
          },
          {
            "@_Name": "RE06S:Number of revolving trades opened in past 6 months",
            "@_Value": "1"
          },
          {
            "@_Name": "RE12S:Number of open revolving trades verified in past 12 months",
            "@_Value": "3"
          },
          {
            "@_Name": "RE20S:Months since oldest revolving trade opened",
            "@_Value": "27"
          },
          {
            "@_Name": "RE21S:Months since most recent revolving trade opened",
            "@_Value": "3"
          },
          {
            "@_Name": "RE28S:Total credit line of open revolving trades verified in past 12 months",
            "@_Value": "1100"
          },
          {
            "@_Name": "RE30S:Percentage of open revolving trades > 50% of credit line verified in past 12 months",
            "@_Value": "33"
          },
          {
            "@_Name": "RE31S:Percentage of open revolving trades > 75% of credit line verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "RE33S:Total balance of open revolving trades verified in past 12 months",
            "@_Value": "431"
          },
          {
            "@_Name": "RE34S:Utilization for open revolving trades verified in past 12 months",
            "@_Value": "39"
          },
          {
            "@_Name": "RE36S:Months since most recent revolving delinquency",
            "@_Value": "7"
          },
          {
            "@_Name": "RE57S:Total past due amount of open revolving trades verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "RE102S:Average credit line of open revolving trades verified in past 12 months",
            "@_Value": "367"
          },
          {
            "@_Name": "RP04S:Months since most recent repossession trade was first reported",
            "@_Value": "N/A"
          },
          {
            "@_Name": "S004S:Average number of months trades have been on file",
            "@_Value": "32"
          },
          {
            "@_Name": "S043S:Number of open trades > 50% of credit line verified in 12 mons (excl installs and morts)",
            "@_Value": "33"
          },
          {
            "@_Name": "S061S:Months since most recent 60 or more days past due",
            "@_Value": "10"
          },
          {
            "@_Name": "S062S:Months since most recent 90 or more days past due",
            "@_Value": "10"
          },
          {
            "@_Name": "S068A:Number of third party collections",
            "@_Value": "0"
          },
          {
            "@_Name": "S114S:Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)",
            "@_Value": "7"
          },
          {
            "@_Name": "S204A:Total balance of non-medical third party collections verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "S207A:Months since most recent tradeline bankruptcy",
            "@_Value": "208"
          },
          {
            "@_Name": "S207S:Months since most recent public record bankruptcy",
            "@_Value": "43"
          },
          {
            "@_Name": "S209A:Months since most recent non-medical third party collection",
            "@_Value": "N/A"
          },
          {
            "@_Name": "ST28S:Total credit line of open student loan trades verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "ST33S:Total balance of open student loan trades verified in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "ST34S:Utilization for open student loan trades verified in past 12 months",
            "@_Value": "N/A"
          },
          {
            "@_Name": "ST57S:Total past due amount of open student loan trades verified in past 12 months",
            "@_Value": "N/A"
          },
          {
            "@_Name": "PT014:Total Scheduled Monthly Payment",
            "@_Value": "591"
          },
          {
            "@_Name": "PT016:Utilization on revolving trades",
            "@_Value": "39"
          },
          {
            "@_Name": "PT017:Total balance on open revolving trades",
            "@_Value": "431"
          },
          {
            "@_Name": "PT019:Total Mortgage Monthly Payment",
            "@_Value": "-5"
          },
          {
            "@_Name": "PT020:Total balance on open Mortgages",
            "@_Value": "-5"
          },
          {
            "@_Name": "PT021:Total Monthly Automobile Payment",
            "@_Value": "457"
          },
          {
            "@_Name": "PT022:Date of oldest trade",
            "@_Value": "102003"
          },
          {
            "@_Name": "PT023:Months since infile created at bureau",
            "@_Value": "350"
          },
          {
            "@_Name": "PT027:Total occurrances of delinquencies in past 12 months",
            "@_Value": "4"
          },
          {
            "@_Name": "PT038:Number of Inquiries in past 6 months",
            "@_Value": "9"
          },
          {
            "@_Name": "PT054:Total Credit Limit/High Credit on open tradelines",
            "@_Value": "23087"
          },
          {
            "@_Name": "PT056:Total balance on all tradelines",
            "@_Value": "14013"
          },
          {
            "@_Name": "PT063:Number of currently delinquent tradelines",
            "@_Value": "0"
          },
          {
            "@_Name": "PT064:Number of currently delinquent revolving tradelines",
            "@_Value": "0"
          },
          {
            "@_Name": "PT065:Number of currently delinquent installment tradelines",
            "@_Value": "0"
          },
          {
            "@_Name": "PT068:Average balance on open tradelines",
            "@_Value": "2002"
          },
          {
            "@_Name": "PT069:Number of Chargeoffs in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "PT071:Total occurrances of delinquencies in the past 2 years",
            "@_Value": "4"
          },
          {
            "@_Name": "PT072:Total occurrances of delinquencies in the past 30 days",
            "@_Value": "0"
          },
          {
            "@_Name": "PT073:Total occurrances of delinquencies in the past 60 days",
            "@_Value": "0"
          },
          {
            "@_Name": "PT074:Total occurrances of delinquencies in the past 7 years",
            "@_Value": "4"
          },
          {
            "@_Name": "PT076:Date of oldest trade",
            "@_Value": "102003"
          },
          {
            "@_Name": "PT079:Number of months since oldest installment tradeline opened",
            "@_Value": "208"
          },
          {
            "@_Name": "PT080:Number of months since oldest revolving tradeline opened",
            "@_Value": "27"
          },
          {
            "@_Name": "PT082:Number of months since most recent tradeline opened",
            "@_Value": "3"
          },
          {
            "@_Name": "PT083:Number of mortgage trades",
            "@_Value": "1"
          },
          {
            "@_Name": "PT088:Number of months since 90+ late or worse derogatory",
            "@_Value": "10"
          },
          {
            "@_Name": "PT089:Number of tradelines reported in past 2 months and currently 120 days past due",
            "@_Value": "0"
          },
          {
            "@_Name": "PT090:Number of tradelines currently 30 days past due",
            "@_Value": "0"
          },
          {
            "@_Name": "PT091:Number of tradelines 90+ days past due in past 24 months",
            "@_Value": "1"
          },
          {
            "@_Name": "PT092:Number of tradelines opened in past 12 months",
            "@_Value": "2"
          },
          {
            "@_Name": "PT093:Percentage of tradelines never delinquent",
            "@_Value": "80"
          },
          {
            "@_Name": "PT094:Number of tradelines ever 120 days past due",
            "@_Value": "0"
          },
          {
            "@_Name": "PT095:Number of months since oldest bank installment tradeline",
            "@_Value": "208"
          },
          {
            "@_Name": "PT103:Total credit limit/high credit on open installment tradelines",
            "@_Value": "21987"
          },
          {
            "@_Name": "PT104:Number of currently satisfactory tradelines",
            "@_Value": "9"
          },
          {
            "@_Name": "PT105:Number of revolving tradelines",
            "@_Value": "6"
          },
          {
            "@_Name": "PT110:Number of revolving tradelines opened in past 7 years",
            "@_Value": "6"
          },
          {
            "@_Name": "PT111:Total credit limit/high credit on open revolving tradelines",
            "@_Value": "1100"
          },
          {
            "@_Name": "PT112:Total available credit on open bankcard tradelines verified in the last 6 mons",
            "@_Value": "369"
          },
          {
            "@_Name": "PT115:Percent of bankcard tradelines gt 75% of credit limit",
            "@_Value": "0"
          },
          {
            "@_Name": "PT118:Total credit limit/high credit on open bankcard tradelines",
            "@_Value": "800"
          },
          {
            "@_Name": "PT119:Number of bankcard tradelines",
            "@_Value": "4"
          },
          {
            "@_Name": "PT120:Number of months since most recent bankcard tradeline opened",
            "@_Value": "3"
          },
          {
            "@_Name": "PT121:Number of bankcard tradelines opened in the past 6 months",
            "@_Value": "1"
          },
          {
            "@_Name": "PT122:Number of bankcard tradelines never delinquent",
            "@_Value": "3"
          },
          {
            "@_Name": "PT125:Number of months since most recent bankcard delinquency",
            "@_Value": "7"
          },
          {
            "@_Name": "PT126:Percent utilization on bankcard tradelines",
            "@_Value": "29"
          },
          {
            "@_Name": "PT129:Number of Public Records with amount gt 100",
            "@_Value": "0"
          },
          {
            "@_Name": "PT130:Number of Tax Liens",
            "@_Value": "0"
          },
          {
            "@_Name": "PT132:Total amount on Collections",
            "@_Value": "0"
          },
          {
            "@_Name": "PT133:Number of repossessions",
            "@_Value": "0"
          },
          {
            "@_Name": "PT134:Number of foreclosures",
            "@_Value": "0"
          },
          {
            "@_Name": "PT136:Number of Collections/Chargeoffs in past 24 months; excluding medical",
            "@_Value": "0"
          },
          {
            "@_Name": "PT137:Total amount on Collections in past 36 months; excluding medical",
            "@_Value": "0"
          },
          {
            "@_Name": "PT138:Number of tradelines active within the past 6 months",
            "@_Value": "7"
          },
          {
            "@_Name": "PT139:Number of mortgage tradelines opened in past 6 months",
            "@_Value": "0"
          },
          {
            "@_Name": "PT140:Number of open installment tradelines opened within the past 24 months",
            "@_Value": "2"
          },
          {
            "@_Name": "PT141:Total occurrances of 30 days late within the past 12 months on Mortgage trades",
            "@_Value": "0"
          },
          {
            "@_Name": "PT142:Number of mortgages passed due 30 days or more in the last 6 months",
            "@_Value": "0"
          },
          {
            "@_Name": "PT143:Total occurrances of 30 days late within the past 12 months",
            "@_Value": "2"
          },
          {
            "@_Name": "PT144:Number of collections with amount gt 500",
            "@_Value": "0"
          },
          {
            "@_Name": "PT145:Total balance on unsecured credit card tradelines",
            "@_Value": "0"
          },
          {
            "@_Name": "PT146:Total balance on unsecured tradelines",
            "@_Value": "0"
          },
          {
            "@_Name": "PT147:Total amount on Tax Liens filed within the past 36 months",
            "@_Value": "0"
          },
          {
            "@_Name": "PT148:Total amount on Judgements filed within the past 36 months",
            "@_Value": "0"
          },
          {
            "@_Name": "PT149:Number of Public Records filed in past 24 months",
            "@_Value": "0"
          },
          {
            "@_Name": "PT150:Number of non-federal Student Loan tradelines",
            "@_Value": "0"
          },
          {
            "@_Name": "PT151:Number of repossessed auto loan tradelines",
            "@_Value": "0"
          },
          {
            "@_Name": "PT153:Percent utilization on installment tradelines",
            "@_Value": "62"
          },
          {
            "@_Name": "PT154:Number of revolving tradelines with balance gt 0",
            "@_Value": "2"
          },
          {
            "@_Name": "PT155:Number of installment tradelines opened in past 12 months",
            "@_Value": "0"
          },
          {
            "@_Name": "PT157:Number of revolving tradelines opened in past 12 months",
            "@_Value": "2"
          },
          {
            "@_Name": "PT158:Number of revolving tradelines opened in past 24 months",
            "@_Value": "5"
          },
          {
            "@_Name": "PT159:Number of credit union tradelines",
            "@_Value": "2"
          },
          {
            "@_Name": "PT160:Percent utilization on all open tradelines",
            "@_Value": "61"
          },
          {
            "@_Name": "PT162:Maximum balance on revolving tradelines",
            "@_Value": "268"
          },
          {
            "@_Name": "PT163:Number months since more recent installment tradeline opened",
            "@_Value": "15"
          },
          {
            "@_Name": "PT165:Number of auto tradelines 30 days past due in past 6 months",
            "@_Value": "0"
          },
          {
            "@_Name": "PT166:Number of auto tradelines opened in past 6 months",
            "@_Value": "0"
          },
          {
            "@_Name": "PT167:Number of retail tradelines opened in past 6 months",
            "@_Value": "0"
          },
          {
            "@_Name": "PT168:Number of student loans opened in past 12 months",
            "@_Value": "-5"
          },
          {
            "@_Name": "PT174:Total amount on Collections; excluding medical",
            "@_Value": "0"
          },
          {
            "@_Name": "PT175:Total amount on Tax Liens",
            "@_Value": "0"
          },
          {
            "@_Name": "PT176:Total amount on Judgements",
            "@_Value": "0"
          },
          {
            "@_Name": "Deceased Indicator",
            "@_Value": "N"
          },
          {
            "@_Name": "Public Record Info",
            "@_Value": "BankruptcyChapter7,2017-05-26,Dismissed,|BankruptcyChapter13,2017-07-24,Dismissed,|BankruptcyChapter13,2015-02-06,Discharged,|"
          }
        ]
      },
      {
        "@BorrowerID": "Borrower01",
        "@_Name": "TransUnion Credit Summary",
        "_DATA_SET": [
          {
            "@_Name": "Number of Public Records",
            "@_Value": "000"
          },
          {
            "@_Name": "Number of Collections",
            "@_Value": "NA "
          },
          {
            "@_Name": "Number of Negative Trades",
            "@_Value": "000"
          },
          {
            "@_Name": "Trades with any Historical Negative",
            "@_Value": "002"
          },
          {
            "@_Name": "Occurrences of Historical Negatives",
            "@_Value": "004"
          },
          {
            "@_Name": "Number of Inquiries",
            "@_Value": "003"
          },
          {
            "@_Name": "Number of Trades",
            "@_Value": "009"
          },
          {
            "@_Name": "Number of Open Trades",
            "@_Value": "006"
          },
          {
            "@_Name": "Number of Revolving Trades",
            "@_Value": "006"
          },
          {
            "@_Name": "Number of Open Revolving Trades",
            "@_Value": "003"
          },
          {
            "@_Name": "Number of Installment Trades",
            "@_Value": "003"
          },
          {
            "@_Name": "Number of Installment Trades",
            "@_Value": "003"
          },
          {
            "@_Name": "Number of Mortgage Trades",
            "@_Value": "NA "
          },
          {
            "@_Name": "Number of Open Mortgage Trades",
            "@_Value": "NA "
          },
          {
            "@_Name": "Number of Other Trade Accounts",
            "@_Value": "NA "
          },
          {
            "@_Name": "Number of Other Trade Accounts",
            "@_Value": "NA "
          }
        ]
      }
    ]
  }
}

Payment History Definitions

This is a set of previous monthly payment strings beginning with the Payment Pattern Start Date. 

C=Current (Paid on Time)
1=30 Days Past Due
2=60 Days Past Due
3=90 Days Past Due
4=120 Days Past Due
5=150 Days Past Due
7=Bankruptcy
8=Repossession/Foreclosure
9=Collection/Charge-off
U,X,B=No Data Available
O=Current (Zero Balance)

Current Rating Definitions

0=Too New
1=As Agreed
2=Late 30 Days
3=Late 60 Days
4=Late 90 Days
5=Late Over 120 Days
7,M,Z,#=Bankruptcy Or Wage Earner Plan
8=Repossession/Foreclosure
9=Collection/Charge-off
G=Foreclosure
D,F,J,U,X,S=No Data Available
Credit Loan Type "@CreditLoanType"
Agriculture
Airplane
ApplianceOrFurniture
AttorneyFees
AutoLease
AutoLoanEquityTransfer
Automobile
AutoRefinance
Boat
Business
BusinessCreditCard
ChargeAccount
CheckCreditOrLineOfCredit
ChildSupport
Collection
CollectionAttorney
Comaker
CombinedCreditPlan
CommercialCreditObligation
CommercialLineOfCredit
CommercialMortgage
ConditionalSalesContract
Consolidation
ConventionalRealEstateMortgage
CreditCard
CreditLineSecured
DebitCard
DebtCounselingService
DepositRelated
Educational
Employment
FactoringCompanyAccount
FamilySupport
FarmersHomeAdministrationFHMA
FederalConsolidatedLoan
FHAComakerNotBorrower
FHAHomeImprovement
FHARealEstateMortgage
FinanceStatement
GovernmentBenefit
GovernmentEmployeeAdvance
GovernmentFeeForService
GovernmentFine
GovernmentGrant
GovernmentMiscellaneousDebt
GovernmentOverpayment
GovernmentSecuredDirectLoan
GovernmentSecuredGuaranteeLoan
GovernmentUnsecuredDirectLoan
GovernmentUnsecuredGuaranteeLoan
HomeEquityLineOfCredit
omeImprovement
HouseholdGoods
HouseholdGoodsAndOtherCollateralAuto
HouseholdGoodsSecured
InstallmentLoan
InstallmentSalesContract
InsuranceClaims
Lease
LenderPlacedInsurance
ManualMortgage
MedicalDebt
MobileHome
Mortgage
NoteLoan
NoteLoanWithComaker
Other
PartiallySecured
PersonalLoan
RealEstateJuniorLiens
RealEstateLoanEquityTransfer
RealEstateMortgageWithoutOtherCollateral
RealEstateSpecificTypeUnknown
Recreational
RecreationalVehicle Refinance
RefundAnticipationLoan
RentalAgreement
ResidentialLoan
ReturnedCheck
RevolvingBusinessLines
Secured
SecuredByCosigner
SecuredCreditCard
SecuredHomeImprovement
SinglePaymentLoan
SpouseSupport
SummaryOfAccountsWithSameStatus
TimeSharedLoan
Title1Loan
UnknownLoanType
Unsecured
VeteransAdministrationLoan
VeteransAdministrationRealEstateMortgage
BiMonthlyMortgageTermInYears
ConstructionLoan
DeferredStudentLoan
SecondMortgage
SemiMonthlyMortgagePayment
Camper
ConditionalSalesContractRefinance
HomeEquity
ManufacturedHome
MobilePhone
UtilityCompany
Account Ownership Type "@_AccountOwnershipType"
AuthorizedUser
Comaker
Individual
JointContractualLiability
JointParticipating
Maker
OnBehalfOf
Terminated
Undesignated
Deceased