How to Interpret

Transunion and
Equifax Credit
Scoring

A numerical value representing an individual’s credit worthiness.

Generates high to low-risk scores ranging from 300-900

Analyzes past and current financial behavior patterns

Effective for applicants with new or limited credit profiles

Ensures faster and more reliable application decisions

Adding a Credit Score to your Rentcheck Premium Report

package increases your knowledge of other financial obligation
risk.

CS.PF.20180423.v.1.3
A MAJOR FACTOR TO CONSIDER ABOUT
CREDIT SCORES
CONSUMER credit scores may differ from PERSONAL credit scores.

Consumer Credit Scores for Businesses

Consumer Credit Scores such as Equifax's - Consumer Risk Predictor (CRP) or TransUnion's - Transunion Credit Vision
(TCV) produce a future prediction of risk, up to 24 months out, and not a snapshot in time. Predictive scores are
designed for creditors to gauge repayment risk.

Personal Credit Scores for Individuals

Personal Credit Scores obtained by consumer's accessing their own credit reports and scores, do not predict future
risk but represent a snapshot of the credit risk of an individual as of the date and time of the report.

CREDIT SCORING - GENERAL GUIDELINES

SCORE CREDIT RISK
RANGE STANDING FACTOR
RISK ASSESSMENT

Most lenders would regard this score as the Lowest Risk and would expect
800 - 850 Excellent Lowest the least number of people in this category to experience serious problems
with repaying credit.
Most lenders would regard this score as Very Low Risk and would expect
750 - 799 Very Good Very Low very few people in this category to experience serious problems with
repaying credit.

Most lenders would regard this score as Low Risk and would expect few
700 - 749 Good Low
people in this category to experience serious problems with repaying credit.

Most lenders would regard this score as Moderate Risk and would expect
650 - 699 Fair Moderate only a small proportion of people in this category to experience serious
problems with repaying credit.
Most lenders would regard this score as High Risk and would expect a high
600 - 649 Poor High proportion of people in this category to experience serious problems with
repaying credit.
Most lenders would regard this score as Very High Risk and would expect a
300 - 599 Bad Very High very high proportion of people in this category to experience serious
problems with repaying credit.

Page 2 of 1
CreditVision

Introducing TransUnion CreditVision – Canada’s next generation risk solution.

Analyze and predict consumer credit behaviour with Get a deeper and broader view into consumer behaviour
improved accuracy with TransUnion CreditVision Premium Algorithms
TransUnion® CreditVisionTM is a new suite of solutions Whether your institution is refining existing strategies
that can help you make more precise lending decisions or developing entirely new policies, CreditVision can
based on the enhanced ability to identify specific help your institution understand risk indicators and
consumer behaviours. Rather than looking at a single direction of specific consumer behaviours. This can
snapshot in time, CreditVision incorporates up to help you define consumer credit stability, product
24 months of account history – along with actual offerings and risk segmentation.
payment amounts – to provide insights into
An intensive analysis of thousands of attributes in
consumer behaviour.
TransUnion’s historical audit trail data uncovered
more than 300 highly predictive algorithms that were
segmented into sets to align with lender strategies.

Trended data allows for improved accuracy of predicting future behaviour

Access to additional dimensions of consumer behaviour supports improved lending decisions.

Future spend by Future spend by

Future current balance Pastspend
Traditional Bureau Data
Total Card Spend Next 12 Months Total Card Spend Next 12 Months

?
With standard credit information, see the
Balance

Today: Lowest Spend Highest Spend Lowest Spend Highest Spend

consumer’s balance at the point in time when
$12,500 Lowest Lowest
the credit report is ordered. 13.4% 8.4% 1.5% 0.6% 0.1% 15.8% 2.8% 0.8% 0.4% 0.1%
Total card balance

Total card balance

Balance Balance
- What will the balance be in the future months?
point in time

point in time

4.7% 8.2% 4,4% 2.6% 1.1% 2.0% 10.5% 4.9% 1.5% 0.3%
- How will this impact a credit decision?

0.5% 3.9% 6.2% 5.9% 3.6% 0.8% 4.8% 8.5% 4.9% 1.0%

Past Future 0.6% 2.8% 4.2% 5.5% 7.0% 0.3% 1.5% 4.8% 8.9% 4.4%
Transunion CreditVision
Highest Highest
Obtain a much more granular view of 0.8% 1.9% 3.7% 5.5% 8.2% 0.1% 0.4% 1.1% 4.3% 14.2%
Balance

?
Balance Balance
consumer behavior. Today:
$12,500
- Now, what will be the balance be in future months?
- Would the decision have changed?
42%
Lift
Traditional bureau data is based on attributes from a single If consumer spending patterns are relatively consistent, a more
point in time. CreditVision provides insights into historical effective way to predict future spend is by looking at the past -
trends for improved predictions of future behaviours. a lens not available through traditional, static credit data.

Page 2
Understand key consumer behaviour patterns such as revolving
credit, balance build and loyalty to enhance strategies.
TransUnion CreditVision Premium Algorithms
Revolver Balance Magnitude

Improve segmentation by assigning more effective Better evaluate future credit risk by capturing the
treatment strategies. Bankcard and retail tradelines direction of change in consumer balances over
are defined as transacting, revolving or inactive for time. Balance Magnitude algorithms measure the
the previous 24 months. Revolver algorithms are direction and recency of balance change over the
built in combination with historical credit limits, as past 24 months.
well as balances and payments at the tradeline and →→ Identify the direction and recency of change in a
aggregated to the consumer level. consumer’s total indebtedness

Capture consumers that drive profit →→ Determine whether the consumer is paying down or
ramping up total balance
→→ Better align product offers to consumer behaviour
→→ Increase response rates by targeting revolver/
transactor behaviour with the appropriate product offer

Identify consumers that may indicate higher risk Balance Magnitude Algorithm

→→ Improve evaluation of consumer cash flow and Consumer A

Consumers A,
B and C all
look the same
capacity to pay
Balance

→→ Segment consumer risk based on historical use of Consumer B

revolving credit
Consumer C
T-0: Current month

Payment T-24: 24 months prior

T-24 TIME T-0

Better understand consumers’ ability and likelihood
What Balance Magnitude Algorithms What the lender sees today,
to pay by evaluating payment behaviour over time. will beable to tell the lender. when reviewing loan applications

Payment algorithms identify payment-based credit

behaviours such as actual-to minimum payment,
prepayment frequency and amount.

→→ Capture consumer behaviour that drives profit or

indicates risk
→→ Identify consumers more likely to pay

Improve your strategies Marketing, including:

→→ Better target potential loan consolidation consumers
across the customer lifecycle by understanding revolver vs. transactor behaviour
and balance shifts over time
→→ Understand consumer balance build off-portfolio and
how it affects your receivables

© 2015 Trans Union of Canada, Inc. All Rights Reserved  |  15-2774 Pag3
Wallet Share Spend

Gain insight into how consumers build and move Determine consumer spend to gain valuable
balances across bankcards and retail cards over insights into consumer behaviour, and refine risk
time. Wallet Share algorithms capture bankcard trade and marketing strategies. Spend algorithms analyze
activity indicative of significant changes in balance customer spending patterns such as aggregate wallet
from month to month. For example, maximum balance spend, seasonal spend patterns and year-over-year
change or number of balance shifts greater than 25%. spending trends.

→→ Detect card preference movement, indicative of →→ Identify and target high spenders and increasing
how consumers respond to offers spenders
→→ Evaluate product elasticity (for example, pricing and →→ Manage exposure to higher-risk revolvers while
promotional offers) improving high spender usage

General
Wallet Share Algorithm
Allows you to gain insight into how consumers build and move Further segment and define behaviours based on
balances over time across bankcards and retail cards.
unique business objectives. These algorithms track
Month 1: In any given month, a Month 2: The following month, the
consumer's total card balance is same consumer's card balances consumer and aggregate behaviours over time.
divided across the cards on the could be very different
credit report
Month 1 Share of Month 1 Share of changes in
Balance wallet Balance wallet wallet share

Card A $1,000 10% Card A $1,000 10% 0 pts

Card B $400 4% Card B $500 5% +1 pt

Card C $3,000 30% Card C $3,000 30% 0 pts

Card D $100 1% Card D $4,500 45% +44 pts 2 wallet

share shifts
Card E $6,500 65% Card E $1,000 10% -55 pts >25%

Total Card Total Card

$10,000 $10,000
Balance Balance

Risk management, including: Collections, including:

→→ Quantify and address the risk associated with →→ Prioritize accounts in collection by using consumer’s
revolvers vs. transactors actual payments
→→ More effectively predict risk using up to 24 months
of consumer’s credit history

Pa4
 LEARN MORE
To learn more or to set up a
product demonstration, contact
your TransUnion representative.
Visit transunion.ca/business
Call 1-855-488-4636 option 4

3115 Harvester Road,

Suite 201
Burlington, ON L7N 3N8

© 2015 Trans Union of Canada, Inc. All Rights Reserved  |  15-2774 Pag5
Consumer
Credit Report
User Guide

6
sAmpLe report
(Please see format specific user guides for system-to-system outputs).

1 CONSUMER CREDIT FILE 7 [30] Summary

Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[1] 1-800-465-7166 [2] CCYY/MM/DD

[3] File Requested by: JDOE [31] Public Records/Other Information

Identification [32] Information from the Superintendent of Bankruptcy:
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3 Filed Type Court Name Court No Liab Asset
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1 Filed By
CCYY/MM/DD BKRPT MIN OF ATTORNEY GEN 472VF00022 280000 480
Date of Birth: CCYY/MM/DD, Subject: IND
SIN: 999-999-999 Case No/Trustee: 22855 MORRIS ETAL
Reference: JDOE Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER [33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
2 [4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert. CANADA UP/CL 481YC00036
COLLECTION PD/CL
Consumer Alert CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
3 [5] Warnings Verified Date: CCYY/MM
Invalid Social Insurance Number Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score 8 [34] Financing Statement:
Filed Court Name Court No Maturity
Equifax Risk Score 609 CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Serious delinquency and public record or collection filed Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Time since delinquency is too recent or unknown Description: Security Disposition Unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File [35] Judgment:
Filed Type Court Name Amt Status Date
Bankruptcy Navigator Index 230
CCYY/MM/DD JDGT 481VC00297 4800
Age of derogatory public records
Defendant: Test File Equifax
Average age of retail trades
Case No: 5555502
Number of recent inquiries
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
4 Identification
[36] Trade Information
[8] Unique Number 1234567899 9 Member Trades:
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD Bus/ID Code DT Rptd DT Opnd DLA TR RT
[11] Date of Last Activity: CCYY/MM/DD Credit Limit High Credit Balance PMT-AMT Past Due
[12] DOB: CCYY/MM/DD WRTN OFF/AMT ACT PMT/AMT DT Closed FRST/DELQ
[13] SIN: 999-999-999 MEM# ID PREV/MEM# ID
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX CANADA BANK (555) 999-9999 481BB00000
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3 *J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
[16] Since: CCYY/MM 28000 24000 4000 550 0
[17] Reported: STS Reported Account Number: 8452675
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1 Description: Personal Loan, Semi-Monthly Payments
Since: CCYY/MM Trade Payment Profile: 111111111111111111111111
Reported: Tape Reported
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1 BB
Since: CCYY/MM CCYY/MM/DD CCYY/MM/DD M1
Reported: Tape Reported 325000 212000 156200 1250
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD SMARTSHOP RETAIL (555) 999-9999 723DC00000
Date last received: CCYY/MM/DD CCYY/MM/DD
Status: Lost or stolen card

5 Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries: [37] Credit Utilization: 22% 30800 6776
Date Me mbe r Name Te le phone
CCYY/MM/DD AB C B A NK 222-555-3333
CCYY/MM/DD
CCYY/MM/DD
RETAIL WORLD
CANADA CAR LOANS
555-555-1234
555-999-0000
10 [38] Banking

CCYY/MM/DD MORTGAGE WORLD 000-555-0987 Checking/Saving:

[24] Total number of inquiries: 28 Rptd Opnd Amount Account No Account Type
[25] Foreign Bureau Inquiries: ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD CCYY/MM L5F Chequing/Saving
Date Member Description NB NSF, Status: 4 NSF CCYY/MM
CCYY/MM/DD ABC CREDIT 372DC00000
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
6 Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
[27] Since, Left, Position, Salary: OWNER, ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
[28] Former Employer: ABC MECHANICS CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
Since, Left, Position, Salary: AUTO MECHANIC 555-1234
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON End of Report
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM

All available fields are returned on the credit file, however may not be populated if the information is not
supplied to Equifax.
7
 CONSUMER CREDIT FILE [30] Summary
Pub/Other Trade Oldest-Newest Total High Cre
1 [1] 1-800-465-7166 [2] CCYY/MM/DD
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28

[3] File Requested by: JDOE [31] Public Records/Other Information

Identification [32] Information from the Superintendent of Bankru
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3 Filed Type Court Name C
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1 Filed By
CCYY/MM/DD BKRPT MIN OF ATTORNEY GEN 47
Date of Birth: CCYY/MM/DD, Subject: IND
SIN: 999-999-999 Case No/Trustee: 22855 MORRIS ETAL
Reference: JDOE Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER [33] Collection

[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public Rptd Type Amt DLA B
Records, Banking, Consumer Statement or Alert. CANADA UP/CL 481YC00036
COLLECTION
Summary PD/CL
CONSUMER
Consumer Alert
CREDIT FILE [30]
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2
Pub/Other Trade Oldest-Newest Total High Cre
[5] Warnings 4 VerifiedCCYY/MM/DD-CCYY/MM/DD
Date: CCYY/MM 3 2800 - 28
[1] [1] 1-800-465-7166
Invalid Social Insurance
CONSUMER NumberTELEPHONE [2]
REFERRAL CCYY/MM/DD
NUMBER: Consumers to be Acct/Creditor:
Description:
55555 ABC RETAIL INC
Subject disputes this account
[3] SAFESCAN
[6] File Requested by: JDOE [31] Public Records/Other Information
provided referral telephone number for Equifax as required.
SF-9 Possible True Name Fraud
Identification [32]
[34] Information from the Superintendent of Bankru
Financing Statement:
Name:
[2] [7]
Date of file
Product request TEST,
Score by theFILE, EQUIFAX
member. Filed Court Name Court No
Current Risk Address: 5650 YONGE Filed Type Court Name C
Equifax Score 609STREET, TORONTO, ON, M2M 4G3 CCYY/MM/DD CENT REG TOR 481VC00214
Previous Address: 110, SHEPPARD AVE Filed By
[3] INQUIRY
Serious DATA: and
delinquency Data submitted
public record orto EFXEAST,
collection byfiledTORONTO,
the memberON, M2B 6S1 the file.
to request Creditor/Amt:
CCYY/MM/DD
FURNITURE HOUSE 99 ELLIS AVE
BKRPT MIN OF ATTORNEY GEN 47
CONSUMER
Time since delinquency CREDIT is tooFILE
recent or unknown
[30] Summary
Description: Security Disposition Unknown
Date of Birth: CCYY/MM/DD, Subject:
Pub/Other Trade IND
Oldest-Newest Total High Cre
Number of accounts with delinquency
SIN: 999-999-999 4 Case No/Trustee: 22855 MORRIS ETAL
CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28
Medium
[1] Risk Region, Subprime Credit File
1-800-465-7166 [2] CCYY/MM/DD [35] Judgment:
Reference: JDOE Disposition: Discharged. CCYY/MM
Filed Type Court Name Amt
Bankruptcy
[3] File Requested Navigator
by: Index
JDOE 230 Description:
[31] Public Records/Other BankruptInformation
Absolute Discharge
Employment CCYY/MM/DD JDGT 481VC00297 4800
Age of derogatory public records
Identification
Employer, Occupation: TESTS MECHANIC SHOP, OWNER [33]
[32] Collection
Defendant:
Information Test
fromFile Equifax
the Superintendent of Bankru
2 Average age of retail trades
Name:
Number
[4] Subject
Current
of recent inquiries
TEST, FILE, EQUIFAX
1: Alert, Score,5650
Address: Identification, Inquiries,TORONTO,
YONGE STREET, Employment, Summary,
ON, M2M 4G3 Public
[4] SUBJECT
Case No: 1: Sections
Rptd
Filed
Plaintiff:
current
5555502 of the
Type
Type
NATIONAL
Amt
Court Name
CREDIT
DLA
HOUSE CB
Records, Banking,
Previous Address:Consumer Statement orAVE
110, SHEPPARD Alert.
EAST, TORONTO, ON, M2B 6S1
CANADA
Filed Byfile that
Description:
are populated
UP/CL 481YC00036
Disposition Unknown
Identification COLLECTION
CCYY/MM/DD PD/CL
BKRPT MIN OF ATTORNEY GEN 47
Consumer Alert
and
[36]
displayed.
CCYY/MM/DD
Trade Unpaid
Information 2500 CCYY/MMDD 2
Date of Birth: CCYY/MM/DD, Subject: IND
[5] Warnings
[8] Unique Number 1234567899 Verified
Member Date:
Trades: 22855CCYY/MM
Case No/Trustee: MORRIS ETAL
SIN: 999-999-999
Invalid
[9] FileSocial
Number Insurance Number
00-00000000-00-000 Acct/Creditor:
Disposition: 55555 CCYY/MM
Discharged. ABC RETAIL INC
Reference: JDOE Bus/ID Code DT Rptd DT Opnd DL
[10] Date File Opened: CCYY/MM/DD Description:
Description: Subject
Bankrupt disputes
Absolute this account
Discharge
[6] SAFESCAN Credit Limit High Credit Balance PM
Employment
[11] Date of Last Activity: CCYY/MM/DD
SF-9 Possible True Name Fraud WRTN
[33] OFF/AMT
Collection ACT PMT/AMT DT
Employer,
[12] Occupation: TESTS MECHANIC SHOP, OWNER
DOB: CCYY/MM/DD [34] Financing Statement:
[7] Product Score
[13] SIN: 999-999-999 MEM#
Filed ID PREV/MEM#
Court Name ID Court No
[4] Subject 1: Alert, Rptd Type Amt DLA B
Equifax
[13B] Risk
** Consumer ScoreScore,
Statement Identification,
** 609 Inquiries, Employment, Summary, Public CCYY/MM/DD UP/CL
CANADA CENT REG TOR
481YC00036 481VC00214
Records, Banking, Consumer Statement or Alert. CANADA BANK (555) 999-9999 481BB00000
3
Serious
[14] Name: delinquency and public record TEST,or collection filed
FILE, EQUIFAX Creditor/Amt:
COLLECTION FURNITURE HOUSE 99 ELLIS AVE
PD/CL
TimeCurrent
since Alert
delinquency
Address: is too recent or unknown *J 007BB01351 Security
Description: CCYY/MM/DD CCYY/MM/DD CC
[15]
Consumer 5650 YONGE STREET, TORONTO, ON, M2M CONSUMER FILE
[5]4G3 ALERT:
CCYY/MM/DD Unpaid Disposition
Information input
2500 Unknown
CCYY/MMDD 2
Number
[16] Since:of accounts with delinquency CCYY/MM 28000 24000 4000 55
[5] Warnings Verified Date: CCYY/MM
Medium
[17]
Invalid Risk Region,
Reported:
Social InsuranceSubprime
NumberCredit STSFile
Reported on inquiry does not [35] match
Account
Acct/Creditor:
file or 8452675
Number:
Judgment: is invalid.
55555 ABC RETAIL INC
[18] Former Navigator
Address: Index 110, Description:
Filed Personal
Type Loan, Semi-Monthly
Court Payments
Namethis Amt
Bankruptcy
[6] SAFESCAN 230SHEPPARD, TORONTO, ON, M2B 6S1 [6] SAFESCAN WARNING:
Description:
Trade Payment
FraudJDGTProfile:
Subject
alert message
disputes
111111111111111111111111
account
Since: C C Y Y / M M CCYY/MM/DD 481VC00297 4800
Age
SF-9 of derogatory
Possible Truepublic
Name records
Fraud
Reported: Tape Reported Defendant:
[34] Financing Test File Equifax
Statement:
Average age of retail trades warns you of potential
Case No:
application5555502
fraud.
[19] 2ndof
[7] Product
Number Former
Score Address:
recent inquiries 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1 BB
Filed Court Name Court No
Since:
Equifax Risk Score C C Y
609 Y / M M (Available only to SafeScan
Plaintiff: subscribers)
CCYY/MM/DD CENT NATIONAL
CCYY/MM/DD
REG CREDIT
TOR HOUSE 481VC00214
Reported:
Serious delinquency and public record Tape orRcollection
eported filed Description:
325000
Creditor/Amt: Disposition
212000 Unknown
FURNITURE HOUSE 156200 125
99 ELLIS AVE
Identification [7] SCORES AND REASON CODES: Amortgage,
risk score
[20]
TimeAKA/Also Known As:
since delinquency is too recent PRETEND,
or unknown FILE, EQUIFAX Description: Second Months reviewed is gr
[36] Trade Information Disposition Unknown
Description: Security
Number
[8] Unique of accounts
Number with delinquency
1234567899 accompanied byMemberTrade
up toPayment
three Profile:codes
reason and
111111111111111111111111
Trades:
Telephone
Medium
[9] Risk
File Number # Region, Subprime Credit File
00-00000000-00-000 [35] Judgment:
[21]
[10] Telephone #: 555-555-1234
Date FileNavigator
Opened: CCYY/MM/DD EXTN: Residential/Home score card indicator.
Bus/ID Provides
Filed Code Type details on what
DT Rptd Court Name DT Opnd Amt DL
Bankruptcy Index 230 Credit Limit High Credit Balance
Date
[11] firstof
Date reported:
Last CCYY/MM/DD
Activity: CCYY/MM/DD information on SMARTSHOP
CCYY/MM/DD
file had a RETAIL
JDGT
negative (555)on
impact 999-9999
481VC00297 4800 PM
723DC00000
Age of derogatory public records WRTN OFF/AMT
Date
[12] last received:
DOB: CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD
Defendant: TestACT
FilePMT/AMT
Equifax DT
Average age of retail trades the score (even ifMEM# minimal
IDLostimpact). PREV/MEM# ID
[13] SIN: 999-999-999 Status:
Case No: or stolen
5555502 card
Number of recent inquiries
[13B] ** Consumer Statement **
Inquiries
(Available only to risk score subscribers).
Plaintiff: NATIONAL CREDIT HOUSE
[14] Name: TEST, FILE, EQUIFAX CANADA
Description: BANKDisposition
(555) 999-9999
Unknown 481BB00000
Identification
[22] Subject shows 3 inquiries since CCYY/MM/DD *J 007BB01351 CCYY/MM/DD CCYY/MM/DD CC
[15] Current Address:
[23] Member Inquiries: 5650 YONGE STREET, TORONTO, ON, M2M 4G3 [36]
[37] Trade Information
Credit Utilization: 22% 30800 677655
[16]Unique
Since: Number 1234567899 CCYY/MM 28000 24000 4000
[8] Member
Account Trades:
Number: 8452675
D a t e
[17]File
Reported: M e m b e r N a m e
STS Reported T e l e p h o n e
[9] Number 00-00000000-00-000 Description:
CCYFormer
[18]
[10]
Y/MM/DD
Date FileAddress:
ABC BANK110, SHEPPARD, TORONTO,
Opened: CCYY/MM/DD
22ON,
2-55M2B 5-3336S1 3 Bus/ID Code Personal Loan, Semi-Monthly
DT Rptd Payments
DT Opnd DL
C C Y
Since: Y / M M / DD R E T A I L W O
C R
C L
YDY / M M 5 5 5 - 5 5 5 - 1 2 3 4 Trade
Credit
[38] Payment
Limit
Banking Profile:
High 111111111111111111111111
Credit Balance PM
[11] Date of Last Activity: CCYY/MM/DD
CCYY/MM/DD
Reported:
[12] DOB: CCYY/MM/DD CANADA CAR TapeLOANS
Reported 555-999-0000 WRTN OFF/AMT ACT PMT/AMT DT
CCYY/MM/DD MORTGAGE WORLD 000-555-0987 Checking/Saving:
MEM# ID PREV/MEM# ID
[19] 2nd Former
[13] SIN: 999-999-999 Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1 BB
[24] Rptd Opnd Amount Acco
[13B]Total
Since: number of
** Consumer inquiries:**28CCYY/MM
Statement CCYY/MM/DD
ABC BANK,
CCYY/MM/DD
001BB05697, (999) 999-9999
[25] Foreign
Reported: Bureau Inquiries: T ape RFILE,
eporteEQUIFAX
d CANADA
325000 BANK (555)
212000 999-9999 481BB00000
156200 125
[14] Name: TEST, CCYY/MM/DD CCYY/MM L5F
[20]
[15] AKA/Also Known As: PRETEND, FILE, EQUIFAX *J 007BB01351
Description: SecondCCYY/MM/DD
mortgage, Months CCYY/MM/DD CC
reviewed is gr
DateCurrent Address: Member 5650 YONGE STREET,
Description TORONTO, ON, M2M 4G3 NB NSF, Status: 4 NSF CCYY/MM
[16] Since: CCYY/MM 372DC00000 28000
Trade Payment Profile: 4000
24000111111111111111111111111 55
CCYY/MM/DD
Telephone
[17] Reported: #
ABC CREDIT
STS Reported
8 Account
[39] Number:
Consumer 8452675
Declaration
[21] Telephone
[18] Former #: 555-555-1234 EXTN:
Address: Residential/Home
110, SHEPPARD, TORONTO, ON, M2B 6S1 Description:
Rptd, Purge: Personal
CCYY/MM, Loan, Semi-Monthly Payments
CCYY/MM
 Equifax Risk Score 609 CCYY/MM/DD CENT REG TOR 481VC0021
Serious delinquency and public record or collection filed Creditor/Amt: FURNITURE HOUSE 99 ELLIS A
Time since delinquency is too recent or unknown Description: Security Disposition Unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File [35] Judgment:
Filed Type Court Name Amt
Bankruptcy Navigator Index 230
CCYY/MM/DD JDGT 481VC00297 4800
Age of derogatory public records
Defendant: Test File Equifax
Average age of retail trades
Case No: 5555502
Number of recent inquiries
4 Identification
Plaintiff:
Description:
NATIONAL CREDIT HOUSE
Disposition Unknown
[36] Trade Information
[8] Unique Number 1234567899 Member Trades:
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD Bus/ID Code DT Rptd DT Opnd
[11] Date of Last Activity: CCYY/MM/DD Credit Limit High Credit Balance
[12] DOB: CCYY/MM/DD WRTN OFF/AMT ACT PMT/AMT
[13] SIN: 999-999-999 MEM# ID PREV/MEM# ID
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX CANADA BANK (555) 999-9999 481BB00000
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3 *J 007BB01351 CCYY/MM/DD CCYY/MM/DD
[16] Since: CCYY/MM 28000 24000 4000
[17] Reported: STS Reported Account Number: 8452675
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1 Description: Personal Loan, Semi-Monthly Paymen
Since: CCYY/MM Trade Payment Profile: 111111111111111111111
Reported: Tape Reported
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1 BB
Since: CCYY/MM CCYY/MM/DD CCYY/MM/DD
Reported: Tape Reported 325000 212000 156200
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX Description: Second mortgage, Months reviewed is
Trade Payment Profile: 111111111111111111111
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD SMARTSHOP RETAIL (555) 999-9999 723DC000
Date last received: CCYY/MM/DD CCYY/MM/DD
Status: Lost or stolen card
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries: [37] Credit Utilization: 22% 30800 677
Date Me mbe r Name Te le phone
CCYY/MM/DD AB C B A NK 222-555-3333
IDENTIFICATION SECTION:
CCYY/MM/DD RETAIL WORLD 555-555-1234 [38] Banking
CCYY/MM/DD CANADA CAR LOANS 555-999-0000
[8] UNIQUE NUMBER:MORTGAGE
CCYY/MM/DD ReferenceWORLD
number for [16] Since:
000-555-0987 Date the addressChecking/Saving:
was first reportedOpnd
Rptd
to Amount Ac
[24] Total number of inquiries: 28
consumers regarding their
[25] Foreign Bureau Inquiries: own file. the file. ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD CCYY/MM L5F
[9] FILE NUMBER:
Date forMember
internal use only. Description [17] Reported: Indicates howNBthe information
NSF, Status: was
4 NSF CCYY/MM
CCYY/MM/DD ABC CREDIT 372DC00000
[10] Date file was established. reported to EFX STS: direct link customer,
[39] Consumer Declaration
Tape: electronic reporting customer,
Rptd, DAT: CCYY/MM
Purge: CCYY/MM,
[11] Date of lastInformation:
Employment activity on file. Declaration: *****WARNING*****CONFIRMED TRU
Direct Access Terminal.CREDIT
[26] Current Employer: TESTS MECHANIC SHOP APPLICATIONS HAVE BEEN SUBMITT
[12] [27]
Date of birth
Since, or age ofSalary:
Left, Position, Subject: (CCYY/MM/DD)
OWNER, [18] Former address - Previous ACCESS THISofFILE
address AS PART OF A CREDIT CH
subject.
[28] Former Employer: ABC MECHANICS CUSTOMER THAT IT IS LEGITIMATE BEFORE E
SIN:Left,
[13] Since, Social Insurance Number: (will only
Position, Salary: AUTO MECHANIC [19] Second former address.555-1234
display if provided on input and corresponds
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
with the SIN on file) [20] AKA OR ALSO KNOWNEnd AS:of The credit report
Report
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900contains all information under the names
[13B]Verified,
ConsumerStatus: CCYY/MM Indicates declaration or
Statement: provided. (combined reports)
alert on file (refer to section 10, line 39)
[21] Telephone #: Maximum 3 iterations of telephone
[14] Subject name. #/extension, including type (home/business/
[15] Current address. cellular), date first reported to EFX, date last
received at EFX.

9
10
10
 [36] Trade Information
[19] 2nd Former
[8] Unique Number Address:
1234567899 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1 BB
Member Trades:
Since: CCYY/MM
[9] File Number 00-00000000-00-000 CCYY/MM/DD CCYY/MM/DD
Reported: Tape Reported
[10] Date File Opened: CCYY/MM/DD Bus/ID
325000Code DT Rptd
212000 DT Opnd
156200
[20]
[11] AKA/Also Known
Date of Last As: CCYY/MM/DD
Activity: PRETEND, FILE, EQUIFAX Credit Limit Second
Description: High Credit Months
mortgage, Balance
reviewed is
[12] DOB: CCYY/MM/DD WRTN Payment
Trade OFF/AMTProfile:
ACT PMT/AMT
111111111111111111111
Telephone
[13] #
SIN: 999-999-999 MEM# ID PREV/MEM# ID
[21]
[13B]Telephone
** Consumer #: 555-555-1234
Statement ** EXTN: Residential/Home
Date
[14] first reported: CCYY/MM/DDTEST, FILE, EQUIFAX
Name: CANADA
SMARTSHOP BANK (555) 999-9999
RETAIL 481BB00000
(555) 999-9999 723DC000
Date
[15] last received:
Current Address:CCYY/MM/DD5650 YONGE STREET, TORONTO, ON, M2M 4G3 *J 007BB01351
CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD
[16] Since: 28000 24000
Status: Lost or stolen card 4000
5 [17] Reported:
Inquiries
CCYY/MM
STS Reported Account Number: 8452675
INQUIRIES SECTION:
[18] Former Address: Description: Personal Loan, Semi-Monthly Paymen
[22] Subject shows 3 inquiries since110, SHEPPARD, TORONTO, ON, M2B 6S1
CCYY/MM/DD Trade Payment Profile: 111111111111111111111
Since: CCYY/MM [22] Alert
[23] Member Inquiries: [37]message appears22%
Credit Utilization: if there
30800 677
Reported: Tape Reported
Date2nd Former Address:
[19] Member N2314,
ame 11 TH AVE 1201, TORONTO,
TelephoON,
ne M4W 3C1 have
BB been three or more inquiries
CCYY/MM/DD
Since: ABC BANKCCYY/MM 222-555-3333 within the past 90 CCYY/MM/DD
CCYY/MM/DD days.
CCYY/MM/DD
Reported: RETAIL WO RpLeDReported
Ta 555-555-1234 [38] Banking
325000 212000 156200
CCYY/MM/DD
[20] AKA/Also Known As: CANADA CAR LOANS FILE, EQUIFAX 555-999-0000
PRETEND, [23] Date and member
Description: Secondname of Months reviewed is
mortgage,
CCYY/MM/DD MORTGAGE WORLD 000-555-0987 Checking/Saving:
Trade Payment Profile: 111111111111111111111
[24] Total number
Telephone # of inquiries: 28 inquiries
Rptd in the past Opnd 36 months.Amount Ac
ABC BANK, 001BB05697, (999) 999-9999
[25] Telephone
[21] Foreign Bureau Inquiries: EXTN: Residential/Home
#: 555-555-1234 Member phone number
CCYY/MM/DD
will
CCYY/MM L5F
Date
Date first reported: CCYY/MM/DD
Member Description SMARTSHOP
display RETAIL
for Status:
inquiries (555)
in4 NSF
past 12999-9999 723DC000
NB NSF, CCYY/MM
Date last received: CCYY/MM/DD
CCYY/MM/DD ABC CREDIT 372DC00000 CCYY/MM/DD
months.
Status:
[39] Lost or stolen
Consumer card
Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Inquiries [24] Total Number of Inquiries: Total
Declaration: *****WARNING*****CONFIRMED TRU
Employment
[22] Subject showsInformation:
3 inquiries since CCYY/MM/DD
[26]
[23] Current
Member Employer:
Inquiries: TESTS MECHANIC SHOP
number
CREDITof APPLICATIONS
inquiries sinceHAVE
[37] Credit Utilization: 22%
file30800
BEEN SUBMITT
677
[27] Since, Left, Position, Salary: OWNER, ACCESS
was THIS FILE AS PART OF A CREDIT CH
established.
DateFormer Employer:MABC
[28] embMECHANICS
e r Name Te le phone CUSTOMER THAT IT IS LEGITIMATE BEFORE E
CCYY/M
Since, M/DPosition,
Left, D ABC BAAUTO
Salary: NK MECHANIC 222-555-3333 555-1234
[25] Foreign Bureau Inquires: Date,
CCYSecond
[29] Y/MM/DDFormer Employer:RETAIL WTHE ORLCAR
D SHOP 555-555-1234 [38] Banking
CCYY/MM/DD
City, Province: TOR, ON CANADA CAR LOANS 555-999-0000 Member number and name of
End of Report
Checking/Saving:
CCYY/MM/DD
Since, MORTGAGE
Left, Position, Salary: WORLD
CCYY/MM, 000-555-0987
CCYY/MM, MECHANIC JR, 1900 inquiring
Rptd
customers.Opnd Amount Ac
[24] TotalStatus:
Verified, numberCCYY/MM
of inquiries: 28
[25] Foreign Bureau Inquiries: ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD CCYY/MM L5F
Date Member Description NB NSF, Status: 4 NSF CCYY/MM
CCYY/MM/DD ABC CREDIT 372DC00000
[39] Consumer Declaration
6 Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRU
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP CREDIT APPLICATIONS HAVE BEEN SUBMITT
[27] Since, Left, Position, Salary: OWNER, ACCESS THIS FILE AS PART OF A CREDIT CH
[28] Former Employer: ABC MECHANICS CUSTOMER THAT IT IS LEGITIMATE BEFORE E
Since, Left, Position, Salary: AUTO MECHANIC 555-1234
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON End of Report
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM

EMPLOYMENT SECTION:
[26] Current Employer: Company name of most recently reported
employer.
[27] Since, Left, Position, Salary: Occupation of subject, start date, left
date and salary.
[28] Former Employer: Company name of previous employer. Since,
Left, Position, Salary: Occupation of subject, start date, left date
and salary.
[29] Second Former Employer: company name of second previous
employer. Since, Left, Position, Salary: Occupation of subject and
date of verification.

11
 7
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other

[31] Public Records/Other Information

[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
S1 Filed By
CCYY/MM/DD BKRPT MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection

blic Rptd Type Amt DLA Bal Reason Ledger Number

CANADA UP/CL 481YC00036
COLLECTION PD/CL
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account

[34] Financing Statement:

Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown

[30] Pub/Other: Number of Public Records or Other information

[35] Judgment:
Filed Type Court Name Amt Status Date
Trade Oldest-Newest:
CCYY/MM/DD JDGT Oldest trade open
481VC00297 date-most recent trade reporting date
4800
Defendant: Test File Equifax
Total: Total number
Case No: 5555502
of trades on the file.
Plaintiff:
High NATIONAL
Credit: High credit CREDIT
range ofHOUSE
trades on file.
Description: Disposition Unknown
Rating for R/O/I/L/C/M: R: Revolving account, O: Open account, I: Installment account, L: Lease Account,
[36] Trade Information
C:Member
Line ofTrades:
Credit, M: Mortgage.
Bus/ID Code
[31] PUBLIC RECORDSDTOR
Rptd DT Opnd DLAInformation TR
OTHER INFORMATION: RT Public Court Records.
obtained from
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT
[32] Bankruptcies/Bankruptcy DT Closed
Category: A person FRST/DELQ
legally declared to be unable to pay debt (date filed, type
MEM# ID PREV/MEM# ID
of action, [IND for personal; BUS for business], court name, court code, liability, assets, filer [subject,
spouse
CANADA or BANK
both], case
(555) number,
999-9999 trustee, disposition and description of the bankruptcy). Segment may contain
481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
2M 4G3 non-bankruptcy
28000
information
24000
including:
4000
Orderly payment of debt
550 0
or Credit Counselling.
Account Number: 8452675
[33] Third party collections: A debt which a creditor is unable to collect, transfers to a third party (name of
Description: Personal Loan, Semi-Monthly Payments
1
collection agency,
Trade Payment collection
Profile: agency member number, reported date, type of collection [UP CL: unpaid
111111111111111111111111
collection or PD CL: paid collection], original debt amount, date of last activity with credit grantor, balance
4W 3C1 asBBof date reported, reason, ledger number, verified date, Credit grantor and account number, description).
CCYY/MM/DD CCYY/MM/DD M1
Includes
325000 collections related to Family
212000 156200Responsibility.
1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111

SMARTSHOP RETAIL (555) 999-9999 723DC00000

CCYY/MM/DD
Status: Lost or stolen card

[37] Credit Utilization: 22% 30800 6776

[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
12
CCYY/MM/DD CCYY/MM L5F Chequing/Saving
NB NSF, Status: 4 NSF CCYY/MM
 [33] Collection

Public Rptd Type Amt DLA Bal Reason Ledger Number

CANADA UP/CL 481YC00036
COLLECTION PD/CL
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
8 [34] Financing Statement:
Filed Court Name Court No Maturity
[30] Summary
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt:
Pub/Other TradeFURNITURE HOUSETotal
Oldest-Newest 99 ELLIS
HighAVE TOR Rating
Credit 3600
4 Description: Security Disposition Unknown
CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other

[35] Public
[31] Judgment:
Records/Other Information
Filed Type Court Name Amt Status Date
[32] Information
CCYY/MM/DD JDGT from the Superintendent
481VC00297 of4800Bankruptcy:
Defendant:
Filed Test
TypeFile Equifax
Court Name Court No Liab Asset
Case By
Filed No: 5555502
6S1
Plaintiff:
CCYY/MM/DD NATIONAL
BKRPT MIN CREDIT HOUSE GEN 472VF00022
OF ATTORNEY 280000 480
Description:
Subject: Disposition
IND Unknown
Case No/Trustee:
[36] Trade 22855 MORRIS ETAL
Information
Disposition:
Member Trades: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
Bus/ID Code DT Rptd DT Opnd DLA TR RT
[33] Collection
Credit Limit High Credit Balance PMT-AMT Past Due
ublic WRTN OFF/AMTType
Rptd ACT PMT/AMT
Amt DLA DTBal
Closed
Reason FRST/DELQ
Ledger Number
[34]
MEM#
CANADAFinancing
ID Statement:
PREV/MEM#
UP/CL A ID
chattel mortgage, registered loan, or registered lien is a loan where the debtor
481YC00036
COLLECTION
has given PD/CL
personal property as collateral and the loan is registered with the provincial government
CANADA BANKUnpaid
CCYY/MM/DD 2500 481BB00000
(555) 999-9999 CCYY/MMDD 2212 Unknown 1111111
M2M 4G3
under
Verified PPSA.CCYY/MM/DD
Date:
*J 007BB01351 ThisCCYY/MM
is not derogatory
CCYY/MM/DD information. (Secured
CCYY/MM/DD 21 loans are
R1 not extended in the province of
Acct/Creditor:
28000 Quebec.) [Date 24000 55555 ABC
reported; RETAIL
4000
name INC 550 government0agency; member number of reporting agency,
of reporting
Description:
Account Number: 8452675 Subject disputes this account
maturityPersonal
Description: date ofLoan,
the loan, name and
Semi-Monthly address of creditor; amount of loan; Description of loan status].
Payments
6S1
[34]
TradeFinancing
PaymentStatement:
Profile: 111111111111111111111111
[35]
Filed
Judgments: A court order against
Court Name
a debtor for
Court No
payment of monies owing (date judgment granted or
Maturity
M4W 3C1 date
CCYY/MM/DD
BB
filed; judgment
CENT status
REG TOR [ST JD: satisfied
481VC00214 judgment,JDGT:
CCYY/MM/DD judgment]. Court identification number/
Creditor/Amt:
name of FURNITURE
court; amount HOUSE
of 99 ELLISdefendant;
judgment; AVE TOR judgment
3600 number;
CCYY/MM/DD CCYY/MM/DD M1plaintiff; status of judgment
Description: Security Disposition Unknown
325000 212000
[satisfied, unsatisfied 156200
or disposition 1250
unknown] and date, when applicable).
Description: Second mortgage, Months reviewed is greater than 24
[35] Judgment:
Trade Payment Profile: 111111111111111111111111
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
SMARTSHOP RETAIL (555) 999-9999 723DC00000
Case No: 5555502
CCYY/MM/DD
Plaintiff: NATIONAL CREDIT HOUSE
Status: Lost or stolen card
Description: Disposition Unknown
9 [36] Trade Information
Member Trades:
[37] Credit Utilization: 22% 30800 6776
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
[36] TRADE INFORMATION:
3
4
WRTN OFF/AMT ACT PMT/AMT
[38] Banking
DT Closed FRST/DELQ Bus/ID Code: Company name/
MEM# ID PREV/MEM# ID
0 telephone/ member number.
7 Checking/Saving:
CANADA
Rptd BANK (555) Opnd999-9999 Amount
481BB00000Account No Account Type DT RPTD: Date item was
M2M 4G3 *J
ABC007BB01351
BANK, CCYY/MM/DD CCYY/MM/DD
001BB05697, (999) 999-9999 CCYY/MM/DD 21 R1
28000
CCYY/MM/DD 24000
CCYY/MM L5F 4000 550 0
Chequing/Saving
reported to Equifax.
Account
NB NSF, Number:
Status: 8452675
4 NSF CCYY/MM DT OPND: Date account was
S1 Description: Personal Loan, Semi-Monthly Payments
[39] Consumer
Trade Payment Declaration
Profile: 111111111111111111111111 opened with the credit grantor.
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
DLA: Date of last activity on the
M4W 3C1 BB
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU account by the consumer.
CCYY/MM/DD
ACCESS THIS FILE CCYY/MM/DD
AS PART OF A CREDIT CHECK, PLEASE VERIFY WITHM1THE
325000
CUSTOMER THAT212000 156200
IT IS LEGITIMATE 1250
BEFORE EXTENDING CREDIT/PHONE: (000) TR: Number of times the credit
Description: Second mortgage, Months reviewed is greater than 24
555-1234
Trade Payment Profile: 111111111111111111111111
grantor has reported an account
update.
End of Report
SMARTSHOP RETAIL (555) 999-9999 723DC00000
RT: Type of account and manner
CCYY/MM/DD of repayment: (See Trade
Status: Lost or stolen card Information Descriptions and
Manner of Payment for detailed
[37] Credit Utilization: 22% 30800 6776
rating descriptions).

3
4 [38] Banking
0
7 Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999 13
CCYY/MM/DD CCYY/MM L5F Chequing/Saving
 SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card

[37] Credit Utilization: 22% 30800 6776

10 [38] BANKING INFORMATION

[38] Banking SECTION:
Checking/Saving:
Rptd Opnd Amount Account No Account Type
Type of account, name and
ABC BANK, 001BB05697, (999) 999-9999 telephone number of institution;
CCYY/MM/DD CCYY/MM L5F Chequing/Saving date item was reported to Equifax;
NB NSF, Status: 4 NSF CCYY/MM
Type of account; customer’s
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
member number; date account
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT was opened with credit grantor;
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU balance of account (approximate
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000) range); additional information on
555-1234 account. Ex: L4F=low 4 figures,
($1-2K), H5F= high 5 figures,
End of Report
($70K-99K).

[39] CONSUMER STATEMENT: Rptd, Purge: Date reported and date information will be deleted. At the request of the
consumer, EFX will add one of the following to the file:
True Name Fraud: Consumer is a true victim of fraud.
Identity Verification Alert: Consumer has not been a victim of fraud: cautionary alert added (available to Ontario
and Manitoba residents only).
Consumer Statement: Statement provided by the consumer in order to explain items/information on file.

Credit Limit: Maximum credit amount assigned to the Description: Provides additional information about the
credit product. account.
High Credit: Highest amount ever owed on the product. Trade Payment Profile: Numeric summary of up to 36
Balance: Amount owed at time of reporting. months of previous ratings. Read left to right: recent
PMT AMT: Actual dollar amount of most recent payment rating to historical ratings.
by the consumer. Mortgage Trade line: Industry code is displayed
PMT TERMS: Frequency of required payments to be (Example: BB): mortgage issuer name/date opened are
made by the consumer. masked.
Past Due: Past due amount as of date reported. [37] Credit Utilization
WRTN OFF/AMT: Actual dollarm amount written off by Provides the percentage of all available credit that is
the credit grantor. currently utilized by the consumer as of report date
ACT PMT/AMT: Actual last payment amount by the (total of current balances owed divided by total credit
consumer. limits). The total of all open credit limit amounts and all
DT Closed: Date of closure of the account. open account balances are also displayed.(Available to
internet customers only).
FRST/DELQ: Date of first payment delinquency by the
consumer.
MEM#ID: Equifax Member number.
PREV/MEM# ID: Previous Equifax Member number.

14
trAde inFormAtion
And desCriptions

portFoLio R: Revolving or option (open-end account)

O: Open account (30 days or 90 days)
tYpes I: Installment (fixed number of payments)
L: Lease Account
C: Line of Credit
M: Mortgage

mAnner oF 0: Too new to rate; approved but not used.

1: Pays (or paid) within 30 days of payment due date or not over
pAYment one payment past due.
NORTH AMERICAN 2: Pays (or paid) in more than 30 days from payment due date,
STANDARD ACCOUNT but not more than 60 days, or not more than two payments
RATINGS past due.
3: Pays (or paid) in more than 60 days from payment due date,
but not more than 90 days, or not more than three payments
past due.
4: Pays (or paid) in more than 90 days from payment due date,
but not more than 120 days, or four payments past due.
5: Account is at least 120 days overdue but is not yet rated “9”.
7: Making regular payments under a consolidation order or
similar arrangement.
8: Repossession (voluntary or involuntary return of merchandise).
9: Bad debt; placed for collection; skip account.

15
GLossArY
Key words are specific abbreviations in various sections of the credit file. Please use this list to interpret the
abbreviations when you see them.
ACC: Account number INQS: Inquiries
ACT PMT/AMT: Actual last payment amount by the IN VOL: Involuntary
consumer INVER: Indirectly verified
AGE: Age of subject J: Joint
AKA: Also known as JUDG: Judgment
B: Both LEFT: Date left employment
Balance: Amount owed at time of reporting LIAB: Liabilities (amount)
BDS: Birth date - Subject LWR: Lawyer
BKRPT: Bankruptcy MATURE: Date of maturity
Bus/ID Code: Company name/ telephone/member MEM#ID: Equifax Member number Mortgage
number Trade line: Industry code is displayed (Example:
CA: Current address BB): mortgage issuer name/date
CASE NO: Case number opened are masked
CCYY/MM/DD Year/Month/Day NSF: Non-sufficient funds
CDC: Consumer debt counseling NV: Not Verified
CHKAC: Chequing account PD: Date paid
CRCLD: Court consolidation Past Due: Past due amount as of date reported
Credit Limit: Maximum credit amount assigned to PMT AMT: Payment Terms
the credit product R/O/I/L/C/M: Portfolio Types
CRT: Update by in-house operator PREV/MEM# ID: Previous Equifax Member number
DAPA: Debtor assistance pool account PR/BK: Proposal under bankruptcy
DEF: Defendant PR/OI: Public records or other information
Description: Provides additional information about RPTD: Date reported
the account RT: Type of account and manner of
DIS: Dispute following resolution repayment: Current rating
DLA: Date of last activity by the consumer SAVAC: Savings account
SECLN: Secured loan
SINCE: Date file was established
DN: Death notice SPECL: Special notice item
DT OPND: Date account was opened with the SSS: Social insurance/subject
credit grantor STJD: Satisfied judgment
DT Closed: Date of closure of the account STS: System-to-system customer
DT RPTD: Date item was reported to Equifax TR: Number of times the credit grantor
EMP: Date employed has reported an account update Trade
ES: Employment - subject
Payment
E2: Subject’s second former Employment
Profile: Numeric summary of up to 36 months
FA: Former address
of previous ratings
FAD: File activity date
U: Unknown
FN: File number or former name (depends
UN: Unique file number
on line)
UPCL: Unpaid collection
FORCL: Foreclosure
VER: Date verified
FRST/DELQ: Date of first payment delinquency by
VLDEP: Voluntary deposit
the consumer VOL: Voluntary
FS: Date file was established WRTN OFF/AMT: Actual amount written off by the credit
High Credit: Highest amount ever owed on the
grantor
product XX Automatic file combine
ID: Identification information
IND: Individual
16
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poWerFuL Form.

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