acrofile plus

ACROFILE PLUS
Complete Consumer Credit Information Grouped and Totaled For Fast, Informed Decisions
In today’s demanding work environment, you cannot afford to spend an excessive amount of time reviewing consumer credit
information. ACROFILE PLUS TM, the consumer credit report delivered by Equifax, provides complete credit information in a concise
format that groups the consumer’s 24-month payment history and financial totals by trade type.
• Simplify the adverse action process with the credit reporting agency address and
telephone number that must be used in adverse action notices or declination letters.
• Reduce application fraud and improve skip-tracing efforts with access to the
consumer’s identification information and employment information.
• Make faster decisions with the ACROFILE PLUS summary line and 24-month payment
history that provide a quick overview of the consumer’s report.
• Reduce credit risk and improve skip-tracing efforts with access to the consumer’s
public record, inquiry and trade information.
• Maximize the decision-making power of ACROFILE PLUS with optional scoring
models and fraud protection tools such as:
Equifax Risk Score SM - Predicts the probability of serious delinquency (90+ days past
due) within a 24-month period.
Bankruptcy Navigator Index ® 3.0 - Predicts the likelihood of a consumer filing
bankruptcy within a 24-month period.
BEACON® 5.0 - Predicts the likelihood of serious credit risk within a 24-month period
(including bankruptcies, charge-offs, repossessions, loan defaults, and severe
delinquencies).
Pinnacle SM 2.0 - Uses advanced performance and multi-dimensional variables to predict
the likelihood of default within a 24-month period.
Equifax Fraud AdvisorSM with Equifax ID AdvisorSM - Rank-orders fraud risk and
identifies high-risk applicants who warrant further investigation.
ACROFILE PLUS is built from a
national online consumer
credit database that maximizes
the return of your requested
information:
• More than 200 million consumer credit files
• Updated daily with current
consumer data
• Operated using advanced
search techniques and
matching logic
ACROFILE PLUS is available via:
• Equifax ePORT TM (Internet
delivery)
• System-to-System
• Personal computer (PC)
software
• Direct Access Terminal (DAT)
See a sample ACROFILE PLUS
report on reverse.
SAFESCAN® - Compares consumer-provided information against a separate nationwide
warning system and alerts you to fraudulent or potentially fraudulent information
elements.
Social Security Number Verified Indicator - Displays a YES/NO indicator as to whether
or not a consumer’s Social Security number has been verified.
Improve Account Profitability Today!
For more information about ACROFILE PLUS and a free brochure on how to read the report, call 1-800-879-1025 or contact your
Equifax representative.
www.equifax.com
ACROFILE PLUS Sample Report
1
2
3
4
Consumer Referral Section: Access
the credit reporting agency address
and telephone number that must be
used in adverse action notices or
declination letters.
Identification Section: Confirm
application information with access
to the consumer’s name, current
address, former address, previous
former address, birth date, AKA (also
known as), former names, and Social
Security number.
Employment Section: Confirm
application information with access
to
the
consumer’s
current
employment information as well
as former and previous former
employment information.
Summary Line: Get a quick overview
of the report (includes oldest date of
information, number of accounts,
range of high credit amounts, and
historical delinquency).
5
Public Records: Easily spot
bankruptcies, judgments, tax liens,
and garnishments from courthouses.
6
Collection Items: Easily spot if the
consumer has seriously delinquent
financial obligations such as
collection accounts from collection
agencies.
7
8
9
BEACON 5 SCORE:
577
00038/00034/00013/00002
SERIOUS DELINQUENCY AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED
AMOUNT OWED ON DELINQUENT ACCOUNTS
TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
LEVEL OF DELINQUENCY ON ACCOUNTS
***************************************************************************
SAFESCAN WARNING:
INQUIRY ADDRESS HAS BEEN ASSOCIATED WITH MORE THAN ONE NAME OR SOCIAL SECURITY NUMBER.
THOROUGH VERIFICATION SUGGESTED.
***************************************************************************
SSN ISSUED- 79
*001 EQUIFAX INFORMATION SERVICES
P O BOX 740241 ATLANTA GA 30374-0241 800/685-1111
2
*CONSUMER,JOHN,Q,JR
SINCE 03/10/82
FAD 09/06/01
9412,MAIN,ST,ATLANTA,GA,30302,TAPE RPTD 07/00
TELEPHONE NUMBER
(404)555-1212 TAPE RPTD 07/00
410,ORANGE GROVE,DR,SAN JOSE,CA,95119,CRT RPTD 06/99
46,KENNEDY,DR,DETROIT,MI,48201 TAPE RPTD 03/96
****ALSO KNOWN AS-CCONSUMER,JACK****
****FORMER NAME-CONSUMER,QUINCY****
BDS-03/03/1961,SSS-900-00-0000 SSN VERIFIED: Y
01 ES-ENGINEER, CENTRAL POWER, ATLANTA,GA, 06/00
02 EF-ENGINEER, ACME MFG, SAN JOSE,CA
03 E2-ENGINEER, MAJOR MOTORS, DETROIT,MI
3
4
Totals: View the consumer’s
accounts by type (revolving, open
and installment) with subtotals and
grand total of financial information.
5
6
7
****** PUBLIC RECORDS OR OTHER INFORMATION ******
04 07/98 BKRPT 111VF116, 98453657-DSP-09/98,LIAB$25600,ASSET$10500, EXEMPT$100,
INDIVID,PERSONAL,DISMSD CH-7
05 05/98 ST JD,111VC51, $500,DEF-SUBJECT,88776,ANY BANK USA,VER 09/98,SATISFIED,08/98
************************************************
*********** COLLECTION ITEMS ***********
LIST
RPTD
AMT/BAL
DLA/ECOA
03/98
05/98
$532
11/97
$300
I
****************************************
AGENCY/CLIENT
401YC363 ACB COLLECTIONS
DR JONES
STATUS/SERIAL
PAYMENT
202012
FIRM/IDENT CODE
CS
RPTD LIMIT
HICR
BAL $
DLA MR (30-60-90+)MAX/DEL
ECOA/ACCOUNT NUMBER
OPND P/DUE
TERM
24 MONTH HISTORY
--------------------------------------------------------------------------------------SUNTRUST
111BB6875 R1 09/01
--2500
650
09/01 02
J/86934
07/01
--20
SEARS
111DC29
R5 08/01
--J/81750
10/99
155
ACCOUNT CLOSED BY CREDIT GRANTOR
1478
30
WACH
I/27043
5000
135
111BB771
R1
08/01
07/82
-----
8
4500
03/01 22 (03-01-01)
432*********/*****2**2***
07/01 99
OPEN TOTALS
9
--450
123
--123
--------------------------------------------------------------------------------------WAMU
11FM1117
I2 08/01
--160K
156K
07/01 63 (02-01-00)10/98-I3
J/85632
05/96
1350
1350
*********2**/****2*******
HOME LOAN
FORD MOTOR 111FA2982
I/02F16
AUTO LOAN
I1
03/98
02/93
-----
12500
275
0
03/98 60
INSTALLMENT TOTALS
--- 160000 156000
1350
1350
--------------------------------------------------------------------------------------GRAND TOTALS
--- 169428 162176
1505
1658
--------------------------------------------------------------------------------------WACH SC
111BB771
04/97
------07/82
LOST OR STOLEN CARD
if the consumer is potentially at risk
of becoming overextended with
new accounts that have not been
reported.
EFS-171-ADV-4/03
*SUM-07/82-09/01,PR/OI-YES,FB-NO, ACCTS:7, HC$450-160K, 4-ONES, 1-TWO, 1-FIVE,
1-OTHER, HIST DEL - 1-THREE, 1-FOUR
REVOLVING TOTALS
--8978
6053
155
185
--------------------------------------------------------------------------------------AM EX
111ON250
O1 09/01
--450
123
09/01 08
J/75250
01/95
--123
10 Inquiries Section: Quickly identify
Equifax, BEACON, Bankruptcy Navigator Index and
SAFESCAN are registered trademarks of Equifax Inc.
ACROFILE PLUS and Equifax ePORT are trademarks
of Equifax Inc. Equifax Fraud Advisor, Equifax ID
Advisor, Pinnacle and Equifax Risk Score are service
marks of Equifax Inc. Copyright © 2003, Equifax
Inc., Atlanta, Georgia. All rights reserved.
FN-238
INQUIRY ALERT-SUBJECT SHOWS 3 INQUIRIES SINCE 06/01
Trade Section: Efficiently assess the
financial stability, indebtedness and
payment history of the consumer —
valuable information for skip-tracing.
24-Month Payment History: View
the consumer’s payment history for
24 months prior to the current status.
STATE ISSUED- MI
1
10
*INQS- BURDINES 111DC304
09/06/01
FRIEDMAN'S
SUNTRUST 111BB6875
07/12/01
FK 111FM6875
SEARS
111DC304
10/11/99
EMPL
&
END OF REPORT EQUIFAX AND AFFILIATES - 09/30/01
111JA105
PRGCOLL
111UE502
08/31/01
10/01/00
10/08/99
SAFESCANNED