Credit Profile Details
Credit Profile JSON Structure
| Tag | Required to Display | Data Type | Max Length | Description |
|---|---|---|---|---|
| Error | ||||
| HostID | N | A/N | 1 | Denotes which Experian host responded to inquiry. |
| ApplicationID | N | A | 1 | "C" constant. Indicates credit application. |
| ReportDate | N | N | 8 | Date of report. Format = MMDDCCYY |
| ReportTime | N | N | 6 | Time inquiry reported to Experian. Format = HHMMSS |
| ReportType | N | A | 1 | "X" = ARF Format |
| Preamble | N | A/N | 4 | Consumer Assistance Preamble for area accessed. |
| RegionCode | N | A | 1 | Constant 'W' |
| ARFVersion | N | N | 2 | Experian online ARF version that report was derived from |
| Surname | N | A/N | 10 | First ten characters of consumer surname |
| FirstName | N | A/N | 3 | First three characters of consumer 1st name |
| ErrorCode | N | N | 3 | Refer to techinical manual Appendix A -Error Messages |
| ActionIndicator | N | A/N | 1 | Attribute: code= I=Informative C =Correct and/or resubmit R =Report condition or database problem S= Suspend |
| ModuleID | N | A/N | 3 | Used by Experian to denote module in which error code was generated. |
| ReferenceNumber | N | A/N | 30 | Echoed back from inquiry transaction. Can be used as a control number for subscribers to link this response to their inquiry. |
| Header | ||||
| ReportDate | Y | N | 8 | Date of report. Format = MMDDCCYY |
| ReportTime | Y | N | 6 | Time of report. Format = HHMMSS |
| Preamble | N | A/N | 4 | Consumer Assistance Preamble for area accessed. |
| ARFVersion | N | N | 2 | Experian online ARF version that report was derived from |
| ReferenceNumber | N | A/N | 30 | Echoed back from inquiry transaction. Can be used as a control number for subscribers to link this response to their inquiry. |
| RiskModel | ||||
| ModelIndicator | Y | A/N | 2 | Attribute: code=. Indicates which model is being returned. Refer to Appendix M-Risk Model Indicators. |
| Score | Y | N | 4 | |
| ScoreFactorCodeOne | Y | A/N | 2 | Refer to Appendix D-Risk Model Score Factor Codes |
| ScoreFactorCodeTwo | Y | A/N | 2 | Refer to Appendix D-Risk Model Score Factor Codes |
| ScoreFactorCodeThree | Y | A/N | 2 | Refer to Appendix D-Risk Model Score Factor Codes |
| ScoreFactorCodeFour | Y | A/N | 2 | Refer to Appendix D-Risk Model Score Factor Codes |
| Evaluation | N | A/N | 1 | Attribute: code=. Sign of risk score N = Score is a negative number. P = Score is a positive number. |
| ConsumerIdentity | ||||
| Name | ||||
| Type | N | A/N | 1 | Attribute: code=. A = AKA N = Nickname S= Similar Name |
| Surname | Y | A/N | 20 | Consumer's last name.May contain blanks. |
| SecondSurname | N | A/N | 20 | Second half of the surname when hyphenated name is reported. Represents a dual surname. May contain blanks. |
| First | Y | A/N | 20 | Consumer's full first name. |
| Middle | N | A/N | 20 | Consumer's full middle name or middle initial |
| Gen | N | A/N | 6 | Generation number or suffix |
| YOB | N | N | 4 | Year of birth |
| DOB | N | N | 8 | Date of Birth. MMDDCCYY. |
| Spouse | ||||
| FirstName | N | A/N | 11 | Spouse's first name |
| Phone | ||||
| Type | Y | Attribute: code=. R = Residence B = Business P= Pager F= Fax C = Cellular T = Pay Phone I = Institution Blank = Unknown |
||
| Number | Y | N | 10 | Consumers phone number |
| Source | N | Attribute: code=. P= Published residential phone book U = Update tapes I = Inquiry D = Directory Assistance Blank = Uknown |
||
| AddressInformation | ||||
| FirstReportedDate | Y | A/N | 8 | Date address first reported. Format = MMDDCCYY or 2 (right-justified) = Greater than 10 years Blank = Unknown |
| LastUpdatedDate | Y | A/N | 8 | Date address last updated. Format = MMDDCCYY or 2 (right-justified) = Greater than 10 years blank = Unknown |
| Origination | Y | Source of Address. Attribute: code=. 1 = Reported via A/R tape, but different from inquiry 2 = Reported via A/R tape 4 = PDS-Experian's Proprietary Data Source different from inquiry 5 = PDS-Experian's Proprietary Data Source same as inquiry 6 = Reported via Inquiry, but different from inquiry 7 = Reported via manual data, but different from inquiry 8 = Reported via Inquiry 9 = Reported via manual data |
||
| TimesReported | Y | N | 2 | Number of times the address was reported to Experian via update |
| LastReportingSubcode | Y | N | 7 | Last subscriber number to update this address. May be blanks. |
| DwellingType | Y | Attribute: code=. A = Apartment complex G = General Delivery M = Multi-family dwelling P = Post Office Box R = Rural route S = Single-family dwelling 1 = Military 2 = Mexican address 3 = Canadian address Blank = Unknown |
||
| HomeOwnership | Y | Blank constant = Unknown | ||
| StreetPrefix | N | A/N | 32 | Data that preceded the street name word.Most commonly includes house number and directional.House number may be hyphenated. PO Boxes, rural routes, and any other type of accommodation address is spelled out. |
| StreetName | N | A/N | 20 | Full street name.May be present if PO Box or accommodation address is spelled out. |
| StreetSuffix | N | A/N | 32 | Street name type.When exclusion word not reported, this field may include numerics indicating apartment, suite, etc. |
| UnitType | N | A/N | 10 | Words such as apartment, suite, etc. as reported to Experian. May be an abbreviation. |
| UnitID | N | A/N | 20 | Identity associated with the exclusion word.May be a number or a letter and may include blanks. |
| City | N | A/N | 30 | May not be present if address source is an inquiry.May contain blanks. |
| State | N | A/N | 2 | Valid two-letter state code or Canadian province. May be CD, CN, MC or MX. |
| Zip | N | N | 9 | ZIP code |
| CensusGeoCode | N | A/N | 7 | 1-6 = Census tract 7 = Block group |
| CountyCode | N | A/N | 3 | |
| StateCode | N | N | 2 | |
| MSACode | N | N | 4 | Metropolitan Statistical Area code |
| EmploymentInformation | ||||
| FirstReportedDate | Y | A/N | 4 | Date employment first reported. Format = MMDDCCYY or 2 (right-justified) = Greater than 10 years Blank = Unknown |
| LastUpdatedDate | Y | A/N | 4 | Date employment last updated. Format = MMDDCCYY or 2 (right-justified) = Greater than 10 years Blank = Unknown |
| Origination | N | Attribute: code=. 2 = Inquiry 8 = Update |
||
| Name | N | A/N | 30 | Employer's name |
| AddressFirstLine | N | A/N | 32 | 1st line of employer's address |
| AddressSecondLine | N | A/N | 32 | 2nd line of employer's address |
| AddressExtraLine | N | A/N | 32 | Extra line of employer's address |
| Zip | N | A/N | 10 | ZIP code of employer. Note: The Employer’s ZIP code may be present in either the 2nd or Extra Address Line fields, or in the Employer ZIP Code field. |
| PublicRecord | ||||
| Status | N | Attribute: code=. Refer to Appendix C -Legal Status Codes. |
||
| StatusDate | N | N | 8 | Date action filed with court. Format = MMDDCCYY |
| FilingDate | N | N | 8 | Original filing date Format = MMDDCCYY. |
| Evaluation | N | Attribute: code=. N constant = negative |
||
| Amount | N | A/N | 8 | Full rounded dollar amount. Refer to Appendix I-Special Amounts. |
| ConsumerComment | N | A/N | 1000 | Comment text |
| Court | N | The Court Code is found in the “code=” attribute and the Court Name in the “name=” | ||
| ReferenceNumber | N | A/N | 24 | Contains docket number (if judgment/bankruptcy) or certificate ID (if tax lien). |
| PlaintiffName | N | A/N | 32 | Plaintiff name. May contain book/page number or docket number. |
| DisputeFlag | N | A/N | 1 | Y indicates a dispute. |
| ECOA | Y | N | 1 | Attribute: code=. 1= Individual 2= Joint H = Individual terminated B = Joint terminated Blank = Unknown |
| Bankruptcy | ||||
| Type | Y | Attribute: code=. V = Voluntary I = Involuntary |
||
| AssetAmount | N | A/N | 8 | Full dollar amount (refer to Appendix I-Special Amounts) |
| LiabilitiesAmount | N | A/N | 8 | Full dollar amount (refer to Appendix I-Special Amounts |
| RepaymentPercent | N | N | 3 | Chapter 13 only |
| AdjustmentPercent | N | N | 3 | Chapter 13 only |
| BookPageSequence | N | A/N | 24 | Book, page, and sequence number |
| TradeLine | ||||
| SpecialComment | N | A/N | 2 | Attribute: code=. Refer to Appendix B -Special Comments. |
| Evaluation | N | A | 1 | Attribute: code=. N = Closer review is required. P= No additional review is required |
| OpenDate | N | A/N | 8 | Date account opened. Format = MMDDCCYY. Real Estate loans may report as CCYY. 1 (right-justified) = Greater than 5 years 2 (right-justified) = Greater than 10 years Blank = Unknown |
| StatusDate | N | A/N | 8 | Refer to technical manual Glossary. Format = MMDDCCYY. Real Estate loans may report as CCYY. 1 (right-justified) = Greater than 5 years 2 (right-justified) = geater than 10 years |
| PaymentStatus | N | A/N | 2 | Attribute: code=. Refer to Appendix L- Account Condition/Payment Status Codes. |
| MaxDelinquencyDate | N | A/N | 8 | Date of worst payment code beyond the monthly payment profile. Format = MMDDCCYY. |
| AccountType | N | A/N | 2 | Attribute: code=. Refer to Appendix G -Type Codes. |
| TermsDuration | N | A/N | 3 | Attribute: code=. Terms are in months (including Real Estate), REV or UNK: 001 =One month 010 = Ten months REV=Revolving UNK = Unknown |
| ECOA | N | A/N | 1 | Attribute: code= Refer to Appendix H -ECOA Codes. |
| Amount | N | Can be more than one set of Amount tags | ||
| Qualifier | N | A/N | 1 | Attribute: code=. L= Limit H= High balance O= Original C= Charge off amount Blank = Unknown |
| Value | N | A/N | 8 | Refer to Appendix I for special amounts. |
| BalanceDate | N | A/N | 8 | Date account was last updated. Paid date for paid accounts. Format = MMDDCCYY |
| BalanceAmount | N | A/N | 10 | Refer to Appendix I for special amounts. |
| Status | N | A/N | 2 | Attribute: code=. Refer to Appendix L- Account Condition/Payment Status Codes. |
| AmountPastDue | N | A/N | 10 | Refer to Appendix I for special amounts. |
| OpenOrClosed | N | A/N | 1 | Attribute: code= O = Open C = Closed |
| RevolvingOrInstallment | N | A/N | 1 | Attribute: code= R = Revolving I = Installment Blank = Unknown |
| ConsumerComment | N | A/N | 1000 | Comment Text |
| Balloon | N | The Payment Due Date is found in the “dueDate=” attribute and the Payment Amount in the “amount=” atttribute | ||
| MonthsHistory | N | N | 2 | Number of months reviewed |
| DelinquenciesOver30Days | N | N | 2 | Number of 30-59 day delinquencies |
| DelinquenciesOver60Days | N | N | 2 | Number of 60-89 day delinquencies |
| DelinquenciesOver90Days | N | N | 2 | Number of 90-180 day delinquencies |
| DerogCounter | N | N | 2 | Number of months the account has been reported as seriously derogatory |
| Collateral | N | A/N | 30 | Collateral on loan |
| PaymentProfile | N | A/N | 84 | See Appendix T for codes. The 1st (left most) position is the current month and equates to the balance date |
| MonthlyPaymentAmount | N | A/N | 10 | Full dollar amount or all blanks or blankUNKNOWN |
| MonthlyPaymentType | N | A/N | 1 | Attribute: code= Blank = Estimated S = Scheduled Term |
| LastPaymentDate | N | A/N | 8 | Date of last payment. MMDDCCYY Blank = Unknown |
| Subcode | N | A/N | 7 | Subscriber number that reported trade data |
| KOB | N | A/N | 2 | Attribute: code= Kind of business code of subscriber. Refer to Appendix K- Kind of Business Codes. |
| SubscriberDisplayName | N | A/N | 22 | Subscriber name text |
| OriginalCreditorName | N | A/N | 30 | Name of original creditor if a collection account |
| SoldToName | N | A/N | 30 | Creditor to whom the account was sold |
| DisputeFlag | N | A/N | 1 | Attribute: code= Y indicates trade is disputed by consumer and denied by subscriber |
| MaxPayment | N | A/N | 1 | Highest Payment code for Maximum Delinquency Date. Refer to Appendix T. |
| FirstDelinquencyDate | N | A/N | 8 | Most recent delinquency date date. MMDDCCYY. |
| SecondDelinquencyDate | N | A/N | 8 | Second most recent delinquency date. MMDDCCYY. |
| EnhancedPaymentData | ||||
| InitialPaymentLevelDate | N | A/N | 8 | Date the account first reached present status level. MMDDCCYY. Real Estate loans may report as CCYY. 1 (right-justified) = Greater than 5 years 2 (right-justified) = Greater than 10 years |
| AccountCondition | N | A/N | 2 | Attribute: code=. Refer to Appendix L -Account Condition/Payment Status Codes. Can be blank. |
| PaymentStatus | N | A/N | 2 | Attribute: code=. Refer to Appendix L -Account Condition/Payment Status Codes |
| AccountType | N | A/N | 2 | Attribute: code=. Refer to Appendix G -Type Codes |
| SpecialComment | N | A/N | 2 | Attribute: code=. Refer to Appendix B -Special Comments |
| Inquiry | ||||
| Date | Y | A/N | 8 | Date of inquiry. MMDDCCYY. |
| Amount | Y | A/N | 8 | Full dollar amount. Refer to Appendix I-Special Amounts. |
| Type | N | A/N | 2 | Attribute: code=. Refer to Appendix G |
| Terms | N | A/N | 3 | Attribute: code=. Number of months, REV or UNK |
| AccountNumber | N | A/N | 40 | Account number |
| Subcode | N | N | 7 | Subcode of inquiring creditor |
| KOB | N | A/N | 2 | Attribute: code=. Refer to Appendix K -Kind of Business Codes |
| SubscriberDisplayName | N | A/N | 24 | Subscriber name |
| InformationalMessage | ||||
| MessageNumber | Y | N | 2 | Refer to Appendix O-Message Codes and Text |
| MessageText | Y | A/N | 99 | |
| Statement | ||||
| Type | Y | A/N | 2 | Attribute: code=. Refer to Appendix P -Statement Type Codes and Text. |
| DateReported | N | A/N | 8 | Date reported to Experian. MMDDCCYY |
| StatementText | N | A/N | 1000 | Text |
| ConsumerAssistanceReferralAddress | ||||
| OfficeName | N | A/N | 32 | Name of CRS office |
| StreetName | N | A/N | 32 | CRS Street |
| POBox | N | A/N | 64 | CRS PO Box Address |
| CityStateZip | N | A/N | 64 | CRS City, State, ZIP |
| Phone | N | A/N | 10 | CRS Phone Number |
| ProfileSummaryAttributes Requires activation. |
||||
| Qualifier | N | A/N | Attributes: desc=Description of the Attribute code=Code of the Attribute |
|
| Value | N | A/N | Value of the Attribute More information |
Sample Credit Profile JSON
{
"CreditProfile": {
"Header": {
"ReportDate": "03/31/2016",
"ReportTime": "02:48:25 PM CT"
},
"ConsumerIdentity": [
{
"Name": {
"Type": {
"desc": null,
"code": null
},
"Surname": "WHALEN",
"First": "ANABEL",
"Middle": null
}
},
{
"Name": {
"Type": {
"desc": "AKA",
"code": "A"
},
"Surname": "ZAJAC",
"First": "ANABIL",
"Middle": null
}
},
{
"Name": {
"Type": {
"desc": "AKA",
"code": "A"
},
"Surname": "ZAJOE",
"First": "ANNABELLE",
"Middle": null
}
},
{
"Name": {
"Type": {
"desc": "AKA",
"code": "A"
},
"Surname": "ZAJAC",
"First": "SAENZ",
"Middle": null
}
},
{
"Name": {
"Type": {
"desc": "AKA",
"code": "A"
},
"Surname": "ZAJAC",
"First": "ANGELICA",
"Middle": null
}
}
],
"AddressInformation": [
{
"FirstReportedDate": "09/27/2006",
"LastUpdatedDate": "10/02/2015",
"Origination": {
"desc": "Update",
"code": "2"
},
"TimesReported": "0",
"LastReportingSubcode": "3143770",
"DwellingType": {
"desc": "Single-family dwelling",
"code": "S"
},
"HomeOwnership": {
"desc": "Single-family dwelling",
"code": null
},
"StreetPrefix": null,
"StreetName": "1461 LAKE CHRISTOPHER DR",
"StreetSuffix": null,
"City": "VIRGINIA BEACH",
"State": "VA",
"Zip": "23464",
"CensusGeoCode": null,
"CountyCode": null
},
{
"FirstReportedDate": "04/20/2014",
"LastUpdatedDate": "04/22/2015",
"Origination": {
"desc": "Update",
"code": "1"
},
"TimesReported": "0",
"LastReportingSubcode": null,
"DwellingType": {
"desc": "Single-family dwelling",
"code": "S"
},
"HomeOwnership": {
"desc": "Single-family dwelling",
"code": null
},
"StreetPrefix": null,
"StreetName": "8352 STREAMWOOD DR",
"StreetSuffix": null,
"City": "BALTIMORE",
"State": "MD",
"Zip": "21208",
"CensusGeoCode": null,
"CountyCode": null
},
{
"FirstReportedDate": "05/19/2013",
"LastUpdatedDate": "10/04/2013",
"Origination": {
"desc": "Update",
"code": "1"
},
"TimesReported": "0",
"LastReportingSubcode": null,
"DwellingType": {
"desc": "Post Office Box",
"code": "P"
},
"HomeOwnership": {
"desc": "Post Office Box",
"code": null
},
"StreetPrefix": null,
"StreetName": "PO BOX 5141",
"StreetSuffix": null,
"City": "WILLIAMSBURG",
"State": "VA",
"Zip": "23188",
"CensusGeoCode": null,
"CountyCode": null
}
],
"EmploymentInformation": [
{
"Name": "SAINT BARNABAS HOSPITAL",
"Zip": null,
"LastUpdatedDate": null,
"FirstReportedDate": "10/2015",
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"AddressFirstLine": null,
"AddressSecondLine": null,
"AddressExtraLine": null
},
{
"Name": "SHORELINE BEH HLTH",
"Zip": null,
"LastUpdatedDate": null,
"FirstReportedDate": "09/2009",
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"AddressFirstLine": null,
"AddressSecondLine": null,
"AddressExtraLine": null
}
],
"PublicRecord": [
{
"Status": {
"desc": "Bankruptcy chapter 7-discharged",
"code": "15"
},
"StatusDate": "06/12/2015",
"FilingDate": "03/01/2015",
"Evaluation": {
"desc": "Negative",
"code": "N"
},
"Amount": "$0",
"ConsumerComment": null,
"Court": {
"desc": "US BKPT CT MO KANSAS C",
"code": "2008441"
},
"ReferenceNumber": "0520194DRD",
"PlaintiffName": null,
"DisputeFlag": null,
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Bankruptcy": {
"Type": {
"desc": null,
"code": null
},
"AssetAmount": "$0",
"LiabilitiesAmount": "$0",
"RepaymentPercent": null,
"AdjustmentPercent": null
},
"BookPageSequence": null
},
{
"Status": {
"desc": "Bankruptcy chapter 7-discharged",
"code": "15"
},
"StatusDate": "03/12/2015",
"FilingDate": "12/01/2014",
"Evaluation": {
"desc": "Negative",
"code": "N"
},
"Amount": "$0",
"ConsumerComment": null,
"Court": {
"desc": "US BKPT CT MO KANSAS C",
"code": "2008441"
},
"ReferenceNumber": "0520194DRD",
"PlaintiffName": null,
"DisputeFlag": null,
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Bankruptcy": {
"Type": {
"desc": null,
"code": null
},
"AssetAmount": "$0",
"LiabilitiesAmount": "$0",
"RepaymentPercent": null,
"AdjustmentPercent": null
},
"BookPageSequence": null
}
],
"Inquiry": [
{
"Date": "01/05/2016",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "3135860",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "WEBBANK/DFS"
},
{
"Date": "11/28/2015",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1232310",
"KOB": {
"desc": "Medical Group",
"code": "MG"
},
"SubscriberDisplayName": "MEDICAL PAYMENT DATA"
},
{
"Date": "10/05/2015",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "3135860",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "WEBBANK/DFS"
},
{
"Date": "07/15/2015",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1639930",
"KOB": {
"desc": "Sales Financing Company",
"code": "FF"
},
"SubscriberDisplayName": "SYNCB/OLDNAVY"
},
{
"Date": "05/12/2015",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1354830",
"KOB": {
"desc": "Complete Department Stores",
"code": "DC"
},
"SubscriberDisplayName": "SYNCB/JC PENNEY"
},
{
"Date": "05/03/2015",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1220580",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "CAP ONE"
},
{
"Date": "04/15/2015",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1639930",
"KOB": {
"desc": "Sales Financing Company",
"code": "FF"
},
"SubscriberDisplayName": "SYNCB/OLDNAVY"
},
{
"Date": "02/14/2015",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1639980",
"KOB": {
"desc": "Sales Financing Company",
"code": "FF"
},
"SubscriberDisplayName": "SYNCB/AMERICAN EAGLE"
},
{
"Date": "02/12/2015",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1354830",
"KOB": {
"desc": "Complete Department Stores",
"code": "DC"
},
"SubscriberDisplayName": "SYNCB/JC PENNEY"
},
{
"Date": "02/03/2015",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1220580",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "CAP ONE"
},
{
"Date": "11/14/2014",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1639980",
"KOB": {
"desc": "Sales Financing Company",
"code": "FF"
},
"SubscriberDisplayName": "SYNCB/AMERICAN EAGLE"
},
{
"Date": "08/11/2014",
"Amount": "UNK",
"Type": {
"desc": "Collection Department/Agency/Attorney",
"code": "48"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1984208",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "NORTHLAND GROUP, INC"
},
{
"Date": "05/11/2014",
"Amount": "UNK",
"Type": {
"desc": "Collection Department/Agency/Attorney",
"code": "48"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1984208",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "NORTHLAND GROUP, INC"
},
{
"Date": "03/10/2014",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "2342926",
"KOB": {
"desc": "Specialty Clothing Store",
"code": "CS"
},
"SubscriberDisplayName": "COMENITY BANK/LNBRYANT"
},
{
"Date": "02/06/2014",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "2685010",
"KOB": {
"desc": "Sales Financing Company",
"code": "FF"
},
"SubscriberDisplayName": "CREDIT ACCEPTANCE"
},
{
"Date": "12/03/2013",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1224630",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "DISCOVER FINANCIAL SER"
}
],
"TradeLine": [
{
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"desc": null,
"code": null
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "08/28/2014",
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"desc": "Installment Loan",
"code": "78"
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"TermsDuration": {
"desc": "10 Month",
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"ECOA": {
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{
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},
{
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}
],
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"PaymentProfile": "999999999932CC",
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"code": "FP"
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},
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}
},
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},
{
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"code": null
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"Evaluation": {
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"code": "N"
},
"OpenDate": "09/17/2014",
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{
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}
],
"BalanceDate": "03/28/2015",
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"Status": {
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"code": "67"
},
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},
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"PaymentProfile": "92--C-C",
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"code": "FP"
},
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"code": "67"
},
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},
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"code": null
}
},
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},
{
"SpecialComment": {
"desc": "ACCOUNT CLOSED DUE TO TRANSFER OR REFINANCE",
"code": "28"
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "05/06/2014",
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"code": "007"
},
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"desc": "Individual",
"code": "1"
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{
"Value": "$546",
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"code": "O"
}
}
],
"BalanceDate": "09/28/2014",
"BalanceAmount": null,
"Status": {
"desc": "Refinanced",
"code": "10"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": "Account closed due to refinance",
"AccountNumber": "",
"MonthsHistory": "5",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "BCCCC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "0511070",
"KOB": {
"desc": "Personal Loan Companies",
"code": "FP"
},
"SubscriberDisplayName": "WORLD FINANCE CORP",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "09/01/2014",
"AccountCondition": {
"desc": "Refinanced",
"code": "10"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Unsecured Loan",
"code": "01"
},
"SpecialComment": {
"desc": "ACCOUNT CLOSED DUE TO TRANSFER OR REFINANCE",
"code": "28"
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": "ACCOUNT CLOSED DUE TO TRANSFER OR REFINANCE",
"code": "28"
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "02/06/2014",
"StatusDate": "05/01/2014",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Unsecured Loan",
"code": "01"
},
"TermsDuration": {
"desc": "6 Month",
"code": "006"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Value": "$414",
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"desc": "Original",
"code": "O"
}
}
],
"BalanceDate": "05/28/2014",
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"Status": {
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"code": "10"
},
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"OpenOrClosed": {
"desc": "Closed",
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},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": "Account closed due to refinance",
"AccountNumber": "",
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"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "BCCC",
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"LastPaymentDate": null,
"Subcode": "0511070",
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"desc": "Personal Loan Companies",
"code": "FP"
},
"SubscriberDisplayName": "WORLD FINANCE CORP",
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"desc": "Refinanced",
"code": "10"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Unsecured Loan",
"code": "01"
},
"SpecialComment": {
"desc": "ACCOUNT CLOSED DUE TO TRANSFER OR REFINANCE",
"code": "28"
}
},
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},
{
"SpecialComment": {
"desc": "ACCOUNT TRANSFERRED TO ANOTHER LENDER",
"code": "31"
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "03/12/2009",
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"desc": "Installment Sales Contract",
"code": "06"
},
"TermsDuration": {
"desc": "22 Month",
"code": "022"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Value": "$991",
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"desc": "Original",
"code": "O"
}
}
],
"BalanceDate": "11/01/2010",
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"Status": {
"desc": "Transferred",
"code": "05"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": "Transferred to another lender",
"AccountNumber": "",
"MonthsHistory": "19",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "BCCCCCCCCCC-CCCCCCC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "2326104",
"KOB": {
"desc": "Retail, Not Elsewhere Classified",
"code": "ZR"
},
"SubscriberDisplayName": "HEILIG MEYERS",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "11/01/2010",
"AccountCondition": {
"desc": "Transferred",
"code": "05"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Installment Sales Contract",
"code": "06"
},
"SpecialComment": {
"desc": "ACCOUNT TRANSFERRED TO ANOTHER LENDER",
"code": "31"
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
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},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "04/28/2010",
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"AccountType": {
"desc": "Collection Department/Agency/Attorney",
"code": "48"
},
"TermsDuration": {
"desc": "1 Month",
"code": "001"
},
"ECOA": {
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"code": "1"
},
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{
"Value": "$597",
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"desc": "Original",
"code": "O"
}
}
],
"BalanceDate": "12/28/2010",
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"Status": {
"desc": "Paid/was collection account, insurance or government claim or terminated for default",
"code": "62"
},
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"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": "Original creditor: AT&T BROADBAND OF MISSOURI IN",
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"DelinquenciesOver30Days": "0",
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"DelinquenciesOver90Days": "0",
"DerogCounter": "2",
"PaymentProfile": "B---9-9",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "3980798",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "CREDIT MANAGEMENT LP",
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"InitialPaymentLevelDate": "12/01/2010",
"AccountCondition": {
"desc": "Paid/zero balance",
"code": "A2"
},
"PaymentStatus": {
"desc": "Seriously past due",
"code": "93"
},
"AccountType": {
"desc": "Collection Department/Agency/Attorney",
"code": "48"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": "08/01/2010",
"SecondDelinquencyDate": "06/01/2010"
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "07/01/2015",
"StatusDate": "08/01/2015",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Collection Department/Agency/Attorney",
"code": "48"
},
"TermsDuration": {
"desc": "1 Month",
"code": "001"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Value": "$213",
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"desc": "Original",
"code": "O"
}
}
],
"BalanceDate": "08/09/2015",
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"Status": {
"desc": "Seriously past due",
"code": "93"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": "Original creditor: DIRECTV INC.",
"AccountNumber": "",
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"DelinquenciesOver30Days": "0",
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"DelinquenciesOver90Days": "0",
"DerogCounter": "1",
"PaymentProfile": "9",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "1985126",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "NCO FIN/NA",
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"AccountCondition": {
"desc": null,
"code": null
},
"PaymentStatus": {
"desc": "Seriously past due",
"code": "93"
},
"AccountType": {
"desc": "Collection Department/Agency/Attorney",
"code": "48"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": "08/01/2015",
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},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "09/21/2012",
"StatusDate": "03/01/2012",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Collection Department/Agency/Attorney",
"code": "48"
},
"TermsDuration": {
"desc": "Unknown",
"code": "N/A"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Value": "$49",
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"desc": "Original",
"code": "O"
}
}
],
"BalanceDate": "03/15/2013",
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"Status": {
"desc": "Seriously past due",
"code": "93"
},
"AmountPastDue": "$34",
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": "Original creditor: BOONE ELECTRIC COOPERATIVE",
"AccountNumber": "",
"MonthsHistory": "13",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "2",
"PaymentProfile": "9-----------9",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "2989784",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "MEDICREDIT, INC",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "03/01/2012",
"AccountCondition": {
"desc": null,
"code": null
},
"PaymentStatus": {
"desc": "Seriously past due",
"code": "93"
},
"AccountType": {
"desc": "Collection Department/Agency/Attorney",
"code": "48"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": "03/01/2013",
"SecondDelinquencyDate": "03/01/2012"
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "03/12/2009",
"StatusDate": "02/01/2012",
"MaxDelinquencyDate": "10/01/2013",
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Value": "$677",
"Qualifier": {
"desc": "High balance",
"code": "H"
}
}
],
"BalanceDate": "12/18/2015",
"BalanceAmount": "$567",
"Status": {
"desc": "180 days past due",
"code": "84"
},
"AmountPastDue": "$270",
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "47",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "36",
"DerogCounter": "0",
"PaymentProfile": "66-6666666666-6666-6-6--6",
"MonthlyPaymentAmount": "$45",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "01/19/2011",
"Subcode": "1983611",
"KOB": {
"desc": "Finance Companies -- Non-Specific",
"code": "FZ"
},
"SubscriberDisplayName": "HEILIG MEYERS MASTERS",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "02/01/2012",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "180 days past due",
"code": "84"
},
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": {
"desc": "180 days delinquent",
"code": "6"
},
"FirstDelinquencyDate": "12/01/2015",
"SecondDelinquencyDate": "11/01/2015"
}
],
"RiskModel": [
{
"Score": "408",
"Evaluation": {
"desc": "Positive number",
"code": "P"
},
"ModelIndicator": {
"desc": "Vantage Score 3.0",
"code": "V3"
},
"ScoreFactorCodeOne": "98",
"ScoreFactorCodeTwo": "15",
"ScoreFactorCodeThree": "08",
"ScoreFactorCodeFour": "07",
"ScoreFactorCodeFive": null,
"positiveScoreFactorCodeOne": null,
"positiveScoreFactorCodeTwo": null,
"positiveScoreFactorCodeThree": null,
"positiveScoreFactorCodeFour": null
}
],
"ConsumerAssistanceReferralAddress": {
"OfficeName": "EXPERIAN",
"StreetName": "701 EXPERIAN PARKWAY",
"POBox": "PO BOX 2002",
"CityStateZip": "ALLEN, TX 75013",
"Phone": "(888) 397-3742"
},
"ProfileSummary": {
"DisputedAccountsExcluded": 0,
"DelinquenciesOver30Days": 0,
"DelinquenciesOver60Days": 0,
"DelinquenciesOver90Days": 0,
"DerogCounter": 0,
"PublicRecordsCount": 0,
"TotalInquiries": 0,
"MonthlyPaymentPartialFlagDesc": null,
"InquiriesDuringLast6Months": 0,
"NowDelinquentDerog": 0,
"RealEstatePaymentPartialFlagDesc": null,
"TotalTradeItems": 0,
"WasDelinquentDerog": 0,
"RevolvingAvailablePartialFlagDesc": null,
"PaidAccounts": 0,
"hasProfileSummary": false,
"InstallmentBalance": null,
"MonthlyPayment": null,
"PastDueAmount": null,
"RealEstateBalance": null,
"RealEstatePayment": null,
"RevolvingBalance": null,
"RevolvingAvailablePercent": null,
"OldestTradeOpenDate": null,
"Y2KOldestTradeline": null,
"SatisfactoryAccount": 0
},
"ProfileSummaryAttributes": [
{
"Qualifier": {
"desc": "% of On-time payments across all Accounts (except collections)",
"code": "Att01"
},
"Value": "100%"
},
{
"Qualifier": {
"desc": "Total Scheduled Monthly Payments on Open as well as Closed Accounts with a Balance (except collections)",
"code": "Att02"
},
"Value": "$762"
},
{
"Qualifier": {
"desc": "% of Credit used on Open as well as Closed Accounts with a Balance (except collections)",
"code": "Att03"
},
"Value": "95%"
},
{
"Qualifier": {
"desc": "Total Debt on Open as well as Closed Accounts with a Balance (except collections)",
"code": "Att04"
},
"Value": "$78,744"
},
{
"Qualifier": {
"desc": "Average Age of Open Accounts (except collections)",
"code": "Att05"
},
"Value": "1 year, 10 months"
},
{
"Qualifier": {
"desc": "Age of Oldest Account (across all Accounts) (except collections)",
"code": "Att06"
},
"Value": "3 years, 8 months"
}
],
"Statement": null,
"InformationalMessage": [
{
"MessageText": "0083 SSN NOT PROVIDED",
"MessageNumber": "83"
},
{
"MessageText": "0335 V384THE NUMBER OF INQUIRIES WAS ALSO A FACTOR, BUT EFFECT WAS NOT SIGNIFICANT",
"MessageNumber": "57"
}
]
},
"shareId": 3426,
"error": null,
"success": true
}
Profile Summary Attributes
| Attribute Name | Attribute Description | Valid Values |
|---|---|---|
| ATT01 | "% of On-time payments across all Accounts (except collections) | 0-100%, BLANK |
| ATT02 | Total Scheduled Monthly Payments on Open as well as Closed Accounts with a Balance (except collections) | 0-999999990 |
| ATT03 | "% of Credit used on Open as well as Closed Accounts with a Balance (except collections) | 0-100%, BLANK |
| ATT04 | Total Debt on Open as well as Closed Accounts with a Balance (except collections) | 0-999999990 |
| ATT05 | Average Age of Open Accounts (except collections) | 0-9990, BLANK |
| ATT06 | Age of Oldest Account (across all Accounts) (except collections) | 0-9990, BLANK |