user guide - RentCheck

Transcription

USER
GUIDE
A Step-by-Step Member’s Guide
HOW TO INTERPRET A TENANCY HISTORY
to Obtaining Online Rental History
REPORT AND EQUIFAX CREDIT REPORT
and Credit Reports on Your
Tenancy Applicants
TABLE OF CONTENTS
TOC
2
Sample Tenancy History Report
3
Sample Credit Report 6
Report Options Selected by the User 9
Recommendation
10
Identification 10
Residences
11
Rent File Summary
11
Tenancy History
12
Legal Items
12
Rent Inquiries 13
Tenancy History
Financial History (Equifax)
Identification 14
Consumer Alert
14
Product Score 15
Credit Summary
15
Credit Inquiries
16
Employment
16
Public Records
17
Collections
17
Trade Information
18
Consumer Statement 19
How to Interpret a Tenancy History Report and Equifax Credit Report 02
SAMPLE
SaMPlE TEnanCy REPoRT
TENANCY HISTORY REPORT
T: 1 (800) 661-7312
F: 1 (800) 871-3380
Data Source
Delivered:
Date
RC, EQ
RC, EQ
12/14/2012 2:20:54
File Requested by:
Member ID:
Address:
1000
25 Bank STREET, ToRonTo, on M6k 1R4
Application Information Submitted:
Subject's Name:
current Address:
Previous Address:
Date of Birth, SIN/SSN:
Fraud Scoring, BNI, RIR
CoDy TESTHaRVEy
33 ToRonTo n ST, UXBRIDGE, on l6P 1E6
97 TEnTH STREET, ToRonTo, on M8V 3E9
05aUG1933
y, y, n, n
Recommendation (Learn more about ScoReVista)
Approve
APPROVE
ScOREVista:
737
SCOREVista:
737
Type
score
RentScore: 780
descripTion
ERS: 687
RENT SCORE: 780 ERS – 687
Approve
TYPE
730 - 990
Tenancy applicants in this category are likely to be viewed as a very low tenancy risk by most
DESCRIPTION
tenancy grantors.
Pre-Approve
700 - 729
Tenancy
applicants
in this
category
exhibited
good tenancy
and/or
credit are
management.
Subject
is a VERY
LOW
RISK.have
Tenancy
applicants
in this
category
likely to
Conditional
670 - 699
LOW RISK
Pre-Decline
585700
- 669– 729
Decline
501 - 584
APPROVED
MODERATE
RISK
HIGH RISK
VERY HIGH
RISK
SCORE
730 – 990
670 – 699
be viewed
asmay
a very
low
risk tenancy
byand
most
tenancy
grantors.
Tenancy
grantors
wish
to review
the credit
tenancy
history
of tenancy applicant in this
category in more depth and may require additional security such as a co-signor or guarantor in
order
to approve
tenancy
applicants.
Subject
is a LOW
RISK.
Contact the subject after you verify their information
and references.
Tenancy
in this in
category
haveatexhibited
good
Tenancy
grantors typically
viewapplicants
tenancy applicants
this category
higher risk.
While many
tenancy
management
and viewed asavailable,
a low risk
tenancy.
tenancy
grantors
still make accommodation
they
will likely require a co-signor and
increased security deposits to compensate for higher default rates in this category.
Subject is a MODERATE RISK. Tenancy grantors may wish to review the credit
Tenancy grantors generally view this as a very risky group. Many prefer not to extend
and tenancytohistory
of tenancy
applicants
in this category
andmay
accommodation
this group
which may
not have sufficient
history orin
nomore
file atdepth
all. others
extend
but require
higher
deposits
on accountorwhere
legislation
permits
mayaccommodation
require additional
security
such
as a co-signor
guarantor
in order
to and a
co-signor
to compensate
for the increase
riskas
associated
withrisk
thistenancy.
category and may monitor
approve
tenancy applicants.
Viewed
a medium
these accounts more closely.
585 – 669
Subject is a HIGH RISK. Tenancy grantors typically view tenancy applicants
in this category as high-risk tenancy. While many tenancy grantors still make
accommodation available, they will likely require a co-signor and increased
security deposits (where applicable by law) to compensate for higher default
rates in this category.
501 – 584
Subject is a VERY HIGH RISK. Tenancy grantors generally view this as a very
high-risk tenancy group. Many prefer not to extend accommodation to this
group, which may not have sufficient history or no file at all. Others may extend
accommodation but require higher deposits on account where legislation
permits and a co-signor to compensate for the increase risk associated with
this category and may3monitor these accounts more closely.
SAMPLE
SAMPLE TENANCY REPORT
TENANCY HISTORY REPORT
(continued)
Identification (subject 1)
Alias
Surname
TESTHARVEY
HARVEYS
On File
22Feb05
Last Inq
15Mar11
Given Name(s)
CODY
COD
Street (recent on top)
YONGE PO BOX 45047
400-55 STANDISH CRT
33 TORONTO ST
City
TOR
MISSISSAUGA
UXBRIDGE
Date
Terms
NA
TE
M
PL
Company Name
MoveIn
MoveOut
Bal
AMCO INTERNATIONAL PROPERTIES LTD
PROPERTY MAN (416) 922-8129
$0.00
SA
0
1
2
3
4
Result
1
167
$1,900.00
$0.00
$0.00
32
30
3
0
4
9
E
Rental History (subject 1)
Reptd
RA
Dec12
Tel Evg
Post/Zip
M4P 3E3
L5R 4J4
L6P 1E8
Pass
Fail
Ys
Conditional
NC
Y
Category
Legal
Inquiries
Balance
Damages
Collections
Approved
Approved with conditions
Declined
Declined with reasons
Debtor search
Cancelled
RE
Rent File Summary (subject 1)
Pr/St
ON
ON
ON
Tel Day
PO
Rptd
Aug10
Nov09
Jan09
Birth
05Aug33
RT
Residence (subject 1)
Social Ins. No.
000000000
Payment Pattern
30/60/90/
#M
Rt
111111111111 111111111111
0 0 0
24
01
RENT MOP (types of account/Manner of Payment)
O – Open Account (payment in full)
Too new to rate; just moved in, no history yet
Pays (or paid) as agreed within 1-5 days.
Pays (or paid) in within 6 to 30 days.
5
6
7
8
9
Pays (or paid) within 91 to 120 days but no action filed yet.
Legal Action commenced, termination notice or application filed.
Making regular payments under consent Order or mediated settlement.
Tenancy termination order or judgement issued, repossession.
In collection, bad debt, or write-off.
4
SAMPLE
TENANCY
REPORT
S A M P L E T E N A N C YHISTORY
REPORT
(continued)
Legal Items (subject 1)
File No.
SOL-24256-88
Filed
Landlord Name/Phone
03Jul05
JOSEPH IRVING/(416) 256-8876
Grounds for Reporting: Non-Payment of Rent
Arrears
$1,900,00
Damages
$0.00
Inquiries (subject 1)
Tenancy Grantor
LANDLORD 1
LANDLORD 2
LANDLORD 3
Telephone
(416) 344-2222
(416) 123-4657
(416) 098-7654
PO
Status Code Description For Inquiries Section
C = Conditions
RE
Description
Co-Signor
Guarantor approved
SA
M
PL
E
TE
NA
NC
Y
Status Code
C(1)
C(2)
Status
MoveIn Date
Approved
Jan2012
Approved with conditions C(1)
01Dec10
Cancelled
RT
Date
Oct2011
24Nov10
05Oct10
5
SAMPLE
SAMPLE CREDIT REPORT
CREDIT REPORT
Identification
Unique Number:
Date File Opened:
DOB:
File Number:
Date of Last Activity:
SIN:
123456789
CCYY/MM/DD
CCYY/MM/DD
00-00000000-00-000
CCYY/MM/DD
999-999-999
Name:
Current Address:
Since:
Reported:
Former Address:
Since:
Reported:
2nd Former Address:
Since:
Reported:
AKA/Also Known as:
Telephone:
Date first reported:
Date last received:
RE
PO
TEST, FILE, EQUIFAX
5650 YONGE STREET, TORONTO, ON M2M 4G3
CCYY/MM/DD
STS Reported
110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
CCYY/MM
Tape Reported
2314 11TH AVE 1201, TORONTO, ON, M4W 3C1
CCYY/MM
Tape Reported
PRETEND, FILE, EQUIFAX
555-555-1234 EXT Residential/Home
CCYY/MM/DD
CCYY/MM/DD
IT
Consumer Alert
Warnings
SAFESCAN:
ED
Invalid Social Insurance Number
SF-9 Possible True Name Fraud
Product Score
E
PL
SA
M
Bankruptcy Navigator Index
Pub/Other
4
687
Serious delinquency and public record or collection filed.
Time since delinquency is too recent or unknown.
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File.
CR
Equifax RiskScore
Summary
RT
**Consumer Declaration**
Trade Oldest-Newest
CCYY/MM/DD-CCYY/MM/DD
230
Age of derogatory public records.
Average age of retail trades.
Number of recent inquiries.
Total
3
High Credit
2800-28000
Rating
1-One, 1-Two, 1-Other
6
SAMPLE
CREDIT
S A M P L E C R E D IREPORT
T REPORT
(continued)
Inquiries
Subject shows 3 inquiries since CCYY/MM/DD
MEMBER INQUIRIES
Date
CCYY/MM/DD
CCYY/MM/DD
CCYY/MM/DD
CCYY/MM/DD
Member Name
ABC BANK
RETAIL WORLD
CANADA CAR LOANS
MORTGAGE WORLD
Telephone
222-555-3333
555-555-1234
555-999-0000
00-555-0987
Member No/City
INTLUSA 401BB17978
Province and Description
TD/GM/VISA
Employment Information
Current Employer:
Since,Left, Position, Salary:
Former Employer:
Since, Left, Position, Salary:
2nd Former Employer:
City, Province:
Verified Status:
CR
Public Records/Other Information
ED
IT
RE
TESTS MECHANIC SHOP
OWNER,
ABC MECHANICS
AUTO MECHANIC
THE CAR SHOP
TORONTO, ON
CCYY/MM, CCYY/MM, Mechanic JR, 1900
CCYY/MM
PO
Date
06/02/2002
RT
Total Number of Inquiries:
Foreign Bureau Inquiries:
INFORMATION FROM THE SUPERINTENDENT OR BANKRUPTCY
E
M
PL
Collection
Type
Court Name
IND
MIN OF ATTORNEY GEN
22855 MORRIS ETAL
Discharged, CCYY/MM
Bankrupt absolute discharge
SA
Filed
CCYY/MM/DD
Case No/Trustee:
Disposition:
Description:
Rptd
CANADA COLLECTION
CCYY/MM
Verified Date:
Acct/Creditor:
Description:
Type
Amt
481YC00036
Unpaid
2500
CCYY/MM
55555 ABC RETAIL INC
Subject disputes this account
Court No.
472VF00022
Liab
28000
Asset
280
DLA
Bal
Reason
CCYY/MM
2212
Unknown
Filed By
Subject
Ledger Number
1111111
7
SAMPLE
S A M P L E C R E D IREPORT
T REPORT
CREDIT
(continued)
Trade Information
MEMBER TRADES
DT Opnd
Balance
DT Closed
CANADA BANK (555) 999-9999
481BB00000
*J 007BB01351
CCYY/MM
CCYY/MM
28000
24000
4000
Account Number:
8452675
Description:
Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 11111111 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
DLA 02/03/04+
MT+Amt
FRST/DELQ
TR RT
Past Due
CCYY/MM
550
21
0
CCYY/MM
M1
212000
1250
Second Mortgage, Months reviewed is greater than 24
11111111 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Credit Utilization:
22%
6755
IT
30800
Consumer Declaration
PL
E
CR
ED
CCYY/MM, CCYY/MM
**WARNING**
CONFIRMED TRUE NAME FRAUD/FRAUDULENT CREDIT APPLICATIONS HAVE BEEN SUBMITTED
USING THIS NAME/IF YOU ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH
THE CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000) 555-1234
SA
M
Rptd, Purge:
Declaration:
0
RE
BB
CCYY/MM
325000
Description:
Trade Payment Profile:
R1
RT
DT Rptd
High Credit
ACT PMT/AMT
PREV/MEM# ID
PO
Bus/ID Code
Credit Limit
WRTN OFF/AMT
MEM# ID
END OF REPORT
8
REPORT OPTIONS
SELECTED BY THE USER
S A M P L E T E N A N C Y R E P O R T E X P L A N AT I O N
Report Options Selected by the User
T: 1 (800) 661-7312
F: 1 (800) 871-3380
Data Source
Delivered:
Date
T: 1 (800) 661-7312
RC, EQ
RC, EQ
12/14/2012 2:20:54
F: 1 (800) 871-3380
File Requested by:
Member ID:
Address:
1000
25 BANK STREET, TORONTO, ON M6K 1R4
Data Source
Delivered:
Date
Subject's Name:
Current Address:
Previous Address:
CODY TESTHARVEY
33 TORONTO N ST, UXBRIDGE, ON L6P 1E6
97 TENTH STREET, TORONTO, ON M8V 3E9
05AUG1933
Y, Y, N, N
Recommendation (Learn more about SCOREVista)
APPROVE
SCOREVista:
737
TYPE
SCORE
Approve
730 - 990
RentScore: 780
ERS: 687
DESCRIPTION
tenancy grantors.
Tenancy applicants in this category have exhibited good tenancy and/or credit management.
Pre-Approve
700 - 729
Conditional
670 - 699
Tenancy grantors may wish to review the credit and tenancy history of tenancy applicant in this
order to approve tenancy applicants.
Pre-Decline
585 - 669
Tenancy grantors typically view tenancy applicants in this category at higher risk. While many
tenancy grantors still make accommodation available, they will likely require a co-signor and
Decline
SAMPLE
accommodation to this group which may not have sufficient history or no file at all. Others may
but require higher deposits on account where legislation permits and a
T E N A N C Yextend
R E accommodation
PORT
co-signor to compensate for the increase risk associated with this category and may monitor
501 - 584
T: 1 (800) 661-7312
F: 1 (800) 871-3380
Data Source
Delivered:
Date
RC, EQ
RC, EQ
12/14/2012 2:20:54
SFile
AM
P L E Tby:
ENANCY REPORT
Requested
Report Member
Options
Selected
ID:
1000by the User
[1]
[2]
[3]
File Requested by:
Member ID:
Address:
1000
Subject's Name:
Current Address:
Previous Address:
CODY TESTHARVEY
3
05AUG1933
Y, Y, N, N
APPROVE
TYPE
737
SCORE
RentScore: 780
ERS: 687
DESCRIPTION
Approve
730 - 990
tenancy grantors.
Pre-Approve
700 - 729
Conditional
670 - 699
Pre-Decline
585 - 669
Decline
501 - 584
extend accommodation but require higher deposits on account where legislation permits and a
Lists
the report options25onBANK
theSTREET,
sample
creditON
report
(Example; EQ = Equifax, RC = RentCheck).
Address:
TORONTO,
M6K 1R4
Lists the report types delivered.
The
date and time the report(s) were generated.T: 1 (800) 661-7312
Data Source
RC, EQ
Subject's Name:
CODY TESTHARVEY
Current Address:
33 TORONTO N ST, UXBRIDGE, ONF:
L6P
1E6 871-3380
1 (800)
Previous Address:
05AUG1933
Scoring,
Y, Y,
SFraud
AM
P L EBNI,TRIR
ENAN
CN,YN R E P O R T
Delivered:
Date
[1]
RC, EQ [2]
12/14/2012 2:20:54 [3]
File Requested by:
SCOREVista:
RC, EQ [1]
RC, EQ [2]
12/14/2012 2:20:54 [3]
[1]
[2]
[3]
Member ID:
1000
Lists
the report options25onBANK
theSTREET,
sample
creditON
report
(Example; EQ = Equifax, RC = RentCheck).
Address:
TORONTO,
M6K 1R4
Recommendation
(Learn
more about SCOREVista)
Lists
the report types
delivered.
The
date and time the report(s) were generated.T: 1 (800) 661-7312
Data Source
RC, EQ
APPROVE
Subject's Name:
TESTHARVEY
Input Provided
the CODY
User
Current
Address:by737
33
TORONTO N ST, UXBRIDGE, ON L6P 1E6
SCOREVista:
F: 1 (800) 871-3380
3
T: 1 (800) 661-7312
F: 1 (800) 871-3380
File Requested by:
Member ID:
Address:
1000
Subject's Name:
Current Address:
Previous Address:
CODY TESTHARVEY
05AUG1933
Y, Y, N, N
INPUT
PROVIDED BY THE USER
Data Source
Delivered:
Date
RC, EQ
RC, EQ
12/14/2012 2:20:54
Application
Conditional Information
670 - 699 Submitted:
APPROVE
SCOREVista:
TYPE
737
SCORE
Approve
730 - 990
Delivered:
RC, EQ
RentScore: 780 12/14/2012ERS:
687
Date
2:20:54
Previous Address:
TYPE
SCORE 05AUG1933
DESCRIPTION
Date
of Birth, SIN/SSN:
Fraud
Scoring,
RIR
Y, Y,
AM
P L EBNI,T730
EN
AN
CN,YNTenancy
R E Papplicants
O R T in this category are likely to be viewed as a very low tenancy risk by most
[4] S
File
Requested
by:
Approve
- 990
[5] Member ID:
1000 tenancy grantors.
[6] Address:
Recommendation
more
about
SCOREVista)
Pre-Approve
700 (Learn
- 729
Tenancy
applicants
in this category have exhibited good tenancy and/or credit management.
RentScore: 780
ERS: 687
DESCRIPTION
tenancy grantors.
Pre-Approve
700 - 729
Conditional
670 - 699
Pre-Decline
585 - 669
Decline
501 - 584
APPROVE
but require higher deposits on account where legislation permits and a
S A M P L E T E N A N C Yextend
R E accommodation
PORT
T: 1 (800) 661-7312
F: 1 (800) 871-3380
Data Source
Delivered:
Date
RC, EQ
RC, EQ
12/14/2012 2:20:54
File Requested by:
Member ID:
Address:
1000
Subject's Name:
Current Address:
Previous Address:
CODY TESTHARVEY
3
05AUG1933
Y, Y, N, N
[4]
APPROVE
SCOREVista:
TYPE
737
SCORE
RentScore: 780
ERS: 687
DESCRIPTION
tenancy grantors.
Approve
730 - 990
Pre-Approve
700 - 729
Conditional
670 - 699
Pre-Decline
585 - 669
Decline
501 - 584
3
T: 1 (800) 661-7312
Data Source
RC, EQ
category in more depth and may require additional security
such as a co-signor or guarantor
Subject's Name: by the CODY
TESTHARVEY
Delivered:
RC,inEQ
Input[7]
Provided
User
order to
tenancyON
applicants.
737
RentScore: 780 12/14/2012ERS:
687
[8] SCOREVista:
Current Address:
33 TORONTO
N approve
ST, UXBRIDGE,
L6P
1E6 871-3380
F:
1 (800)
Date
2:20:54
[5]
[6]
[7]
[8]
[9]
[10]
[4]
[11]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[9] Previous Address:
TYPE
SCORE
DESCRIPTION
Pre-Decline
585
- 669 05AUG1933
Tenancy
grantors typically view tenancy applicants in this category at higher risk. While many
of Birth, SIN/SSN:
[10] Date
Fraud
Scoring,
BNI,
RIR
[11]
[4] File
Requested 730
by: - 990 Y, Y, N, NTenancy
Approve
in this category
are likely
be viewed
as rates
a veryinlow
risk by most
increasedapplicants
security deposits
to compensate
fortohigher
default
thistenancy
category.
[5] Member ID:
1000 tenancy grantors.
Decline
501 - 584 25 BANK
Tenancy
generally
view 1R4
this as a very risky group. Many prefer not to extend
[6] Address:
STREET,grantors
TORONTO,
ON M6K
Pre-Approve
700 (Learn
- 729
Tenancy
applicants
in this
category
good tenancy
and/or
accommodation
to this
group
whichhave
mayexhibited
not have sufficient
history
or nocredit
file atmanagement.
all. Others may
Recommendation
more
about
SCOREVista)
Application
Information
Submitted:
Lists
the
name
of
the
Requestor
or
other
reference
information.
This
information
will
also
show
Conditional
670 - 699
Tenancy
may wish
review
the credit
and tenancy
of tenancy
applicant
in
this
co-signorgrantors
to compensate
fortothe
increase
risk associated
withhistory
this category
and
may
monitor
category
in more
depth
and may require additional security such as a co-signor or guarantor in
these
accounts
more
closely.
[7]
Subject's Name:
CODY TESTHARVEY
monthly
RentCheck Invoice;
if
your
method
of
payment
is
by
cheque.
order to
tenancyON
applicants.
[8] Current
Address:
33 TORONTO
N approve
ST, UXBRIDGE,
L6P 1E6
SCOREVista:
737
RentScore: 780
ERS: 687
Identifies
the Member ID
of theSTREET,
account
usedONtoM8V
perform
the report.
[9]
Previous Address:
97 TENTH
TORONTO,
3E9
Pre-Decline
585
- 669 05AUG1933
Tenancy
grantors typically view tenancy applicants in this category at higher risk. While many
TYPE
SCORE
DESCRIPTION
Date
of Birth,
SIN/SSN:
[10]
Identifies
the
address
listed on
thegrantors
account
for the
Memberavailable,
ID in part
[5].
tenancy
still
make
accommodation
they will
likely require a co-signor and
Y, Y, N, N
[11] Fraud Scoring, BNI, RIR
increased
security deposits
to compensate
fortohigher
default
thistenancy
category.
Name
of the subject
searched.
Approve
730 - 990
Tenancy applicants
in this category
are likely
be viewed
as rates
a veryinlow
risk by most
tenancy grantors.
Address
Decline of the subject
501 - 584 searched.
accommodation
to this
group
whichhave
mayexhibited
not have sufficient
history
or nocredit
file atmanagement.
all. Others may
Recommendation
more
about
SCOREVista)
Previous
address
of(Learn
the subject.
Pre-Approve
700
- 729
Tenancy
applicants
in this
category
good tenancy
and/or
Date
of
the
Birth
and
Social
Insurance
No.
(SIN/SSN)
of
the
subject
searched
(SIN
is
optional).
Lists
the
name
of
the
Requestor
or
other
reference
information.
This
information
will
also
show
co-signor
to
compensate
for
the
increase
risk
associated
with
this
category
and
may
monitor
Conditional
670 - 699
Tenancy grantors may wish to review the credit and tenancy history of tenancy applicant
in
this
these
accounts
more
closely.
category
inmethod
more
depth
may require
security such as a co-signor or guarantor in
Lists the RentCheck
types of additional
selected
inpayment
this
report.
monthly
Invoice; options
if your
ofand
isadditional
by cheque.
SCOREVista:
737
RentScore: 780
ERS: 687
APPROVE
APPROVE
on your
on your
Identifies the Member ID of the account used to perform the report.
TYPE
SCORE
DESCRIPTION
Pre-Decline
585
- 669listed on
Tenancy
typically
applicants
category
Identifies
the address
the grantors
account
for view
the tenancy
Member
ID inin this
part
[5]. at higher risk. While many
tenancy grantors
available,
they will likely
a co-signor
Please
the
above
information
against
your Rental
Application
to require
ensure
bothand
entries match.
Name
ofcheck
the subject
searched.
Approve
730 - 990
Tenancy
in this category
are likely
be viewed
as rates
a veryinlow
risk by most
increasedapplicants
security deposits
to
fortohigher
default
thistenancy
category.
3 compensate
If
you
have
inputted
incorrect
information,
you
need
to
determine
if
another
search
in required.
tenancy
grantors.
Address of the subject searched.
Decline
501
- 584
*Additional
cost700
will
apply.
Previous
address
of- 729
the
subject.
Pre-Approve
Tenancy
applicants
in this
category
good tenancy
and/or
accommodation
to this
group
whichhave
mayexhibited
not have sufficient
history
or nocredit
file atmanagement.
all. Others may
extend accommodation
but require higher
deposits
on account
where legislation
permits
and a
Date
of the Birth670
and
Social Insurance
No.may
(SIN/SSN)
of
the
subject
searched
(SIN
is
optional).
Conditional
- 699
Tenancy
wish
review
the credit
and tenancy
of tenancy
in this
co-signorgrantors
to compensate
fortothe
increase
risk associated
withhistory
this category
andapplicant
may monitor
category
in selected
more
depth
and
may require
additional security such as a co-signor or guarantor in
Lists the types of additional options
in this
report.
these accounts
more
closely.
Pre-Decline
585 - 669
tenancy grantors
they will likely
a co-signor
information
against
your Rentalavailable,
Application
to require
ensure
bothand
entries
increased security deposits to
3 compensate for higher default rates in this category.
Please check the above
match.
If you have inputted incorrect information, you need to determine if another search in required.
Decline
- 584
grantors generally view this as a very risky group. Many prefer not to extend
*Additional
cost501will
apply. Tenancy
3
9
3
How to Interpret a Tenancy History
Report and Equifax Credit Report 09
T: 1 (800) 661-7312
Data Source
Delivered:
Date
F: 1 (800) 871-3380
RC, EQ
RC, EQ
12/14/2012 2:20:54
File Requested by:
Member ID:
1000
TORONTO, ON M6K 1R4
S A M P L E T E N A N C YAddress:
R E P O R T 25EBANK
XSTREET,
PLA
N AT I O N
S Application
AMPLE T
E N A N C Submitted:
Y REPORT
Information
RECOMMENDATION
Subject's Name:
Current Address:
Previous Address:
CODY TESTHARVEY
05AUG1933
T: 1 (800) 661-7312
Y, Y, N, N
Recommendation
F: 1 (800) 871-3380
Data Source
Delivered:
Date
File Requested by:
(When declined by a tenancy grantor an Adverse Notice is provided which
S A M P L E T E N A N C[12]YMember
R EID: P O R T 1000
E X P L A N AT I O N
APPROVE
APPROVE
T: 1 (800) 661-7312
Data Source
Delivered:
Date
F: 1 (800) 871-3380
RC, EQ
RC, EQ
12/14/2012 2:20:54
1000
737
RentScore: 780
SCORE
ERS: 687
DESCRIPTION
Approve
730 - 990
tenancy grantors.
Pre-Approve
700 - 729
Conditional
670 - 699
Pre-Decline
585 - 669
Decline
501 - 584
Recommendation
APPROVED
Conditional
T: 1 (800) 661-7312
Data Source
Delivered:
Date
F: 1 (800) 871-3380
3
1000
[12]
CODY TESTHARVEY
05AUG1033
Y, Y, N, N
APPROVE
TYPE
737
SCORE
LOW
RISK
Pre-Decline
APPROVE
[13] SCOREVista:
SCOREVista:
RentScore: 780
730 - 990
tenancy grantors.
Pre-Approve
700 - 729
Conditional
670 - 699
Pre-Decline
585 - 669
Decline
501 - 584
585700
- 669– 729
737
Decline
TYPE
RiskScore: 687
DESCRIPTION
Approve
to SCOREVista)
approve
applicants.
Subject
is a LOWtenancy
RISK. Contact
the subject after you verify their information and
Recommendation (Learn more order
about
RC, TU
RC, TU
12/14/2012 2:20:54
File Requested by:
Subject's Name:
Current Address:
Previous Address:
ERS: 687
Rent score: 780 ERS – 687
730 – 990
670 - 699
Member ID:
Address:
RentScore: 780
Subject's
Name:
CODY TESTHARVEY
TYPE
DESCRIPTION
Approve
730SCORE
- 990
Tenancy applicants in this category are
likely to be viewed as a very low tenancy risk by most
Current Address:
tenancy grantors.
Previous Address:
97 TENTH STREET,
ON M8V
Subject TORONTO,
is a VERY LOW
RISK.3E9
Tenancy applicants in this category are likely to be viewed
05AUG1933
as a veryapplicants
low risk tenancy
by mosthave
tenancy
grantors.
Pre-Approve
700 - 729
Tenancy
in this category
exhibited
good tenancy and/or credit management.
Y, Y, N, N
APPROVE
TYPE
SCOREVista: 737
TYPE
SCORE Submitted:
DESCRIPTION
Application
Information
CODY TESTHARVEY
05AUG1933
Y, Y, N, N
SCOREVista:
737
[13]
Subject's Name:
Current Address:
Previous Address:
explains where the applicant can get help.)
Address:
SCOREVista:
File Requested by:
Member ID:
Address:
RC, EQ
RC, EQ
12/14/2012 2:20:54
501 - 584
SCORE
references. Tenancy applicants in this category have exhibited good tenancy management
Tenancy
grantors
tenancy applicants in this category at higher risk. While many
and viewed
as atypically
low risk view
tenancy.
increased security deposits to compensate for higher default
rates780
in this category.ERS: 687
RentScore:
Subject is a MODERATE RISK. Tenancy grantors may wish to review the credit and tenancy
DESCRIPTION
history of tenancy applicants in this category in more depth and may require additional
MODERATE
security
such asinathis
co-signor
orare
guarantor
in
toas
approve
tenancy
applicants.
Viewed
670 – 699 Tenancy
extend
accommodation
but require
highertodeposits
on
account
where
legislation
and a
Approve
730 - 990
applicants
category
likely
beorder
viewed
a very low
tenancy
risk bypermits
most
RISK
as a medium risk tenancy.
700 - 729
Conditional
670 - 699
Pre-Decline
585 - 669
Subjectsecurity
is a VERY
HIGHtoRISK.
Tenancyforgrantors
generally
view
thiscategory.
as a very high-risk
increased
deposits
compensate
higher default
rates
in this
HIGH 501 - 584
Tenancy
view
very
risky group.
Many accommodation
prefer not to extend
have grantors
sufficientgenerally
history or
nothis
file as
at aall.
Others
may extend
but require
HIGH RISK
3
co-signor
to compensate for the increase risk associated with this category and may monitor
tenancy
grantors.
Pre-Approve
Decline
VERY
RISK
Subject is a HIGH RISK. Tenancy grantors typically view tenancy applicants in this category
Tenancy
grantorstenancy.
may wish
to review
credit and
tenancy
tenancy applicant
in this
as high-risk
While
manythe
tenancy
grantors
stillhistory
makeof
accommodation
available,
in more
andamay
requireand
additional
security
suchdeposits
as a co-signor
or applicable
guarantor inby
they will
likelydepth
require
co-signor
increased
security
(where
585 – 669 category
order
to approve
tenancyfor
applicants.
law)
to compensate
higher default rates in this category.
tenancy group. Many prefer not to extend accommodation to this group, which may not
501 – 584 accommodation
to this
which
maylegislation
not have sufficient
history
or no file to
at all.
Others may
higher deposits
on group
account
where
permits and
a co-signor
compensate
for the
extend
accommodation
but require
higher
deposits
account
where
legislation
permits
a
increase
risk associated
with this
category
andonmay
monitor
these
accounts
moreand
closely.
3
This is a recommendation only after reviewing all factors relating to this subject.
[12]
A recommendation categorized into five types of decisions you can make: Approve, Pre-Approve,
Conditional, Pre-Decline,
and Decline.
This is a recommendation
only after reviewing
all factors relating to this subject.
[13]
The SCOREVista 737 is a recommendation only and takes in consideration the Credit Scores and
Tenancy
Report, as
well
astypes
otheroffactors
in the
Reports. Pre-Approve,
[12]
ARentcheck's
recommendation
categorized
into
five
decisions
youRent
canBureau
make: Approve,
Conditional, Pre-Decline, and Decline.
Credit Scoring Option must be included in your report package to receive SCOREVista. To add
[13]
The SCOREVista 737 is a recommendation only and takes in consideration the Credit Scores and
SCOREVista, please email to [email protected] or visit www.rentcheckcorp.com/scorevista
Rentcheck's Tenancy Report, as well as other factors in the Rent Bureau Reports.
3
A RiskScore
is onlymust
generated
if there
are active
trade lines
withinSCOREVista.
the last 6-12Tomonths.
Credit
Scoring Option
be included
in your
report package
to receive
add
SCOREVista, please email to [email protected] or visit www.rentcheckcorp.com/scorevista
A RiskScore is only generated if there are active trade lines within the last 6-12 months.
TENANCY HISTORY IDENTIFICATION
Surname
TESTHARVEY
TESTHARVEY
On File
22Feb05
Given Name(s)
CODY
CODY
Last Inq
15Mar11
Social Ins. No.
000000000
Birth
05Aug33
Tel Day
Tel Evg
[14] Surname
[15] Given Name(s)
TESTHARVEY
CODY
TESTHARVEY
CODY
Rptd
Aug10
Nov09
Jan09
YONGE PO BOX 45047
400-55 STANDISH CRT
33 TORONTO ST
City
TOR
MISSISSAUGA
UXBRIDGE
Pr/St
ON
ON
ON
Post/Zip
M4P 3E3
L5R 4J4
L6P 1E8
Ys
Category
Legal
Inquiries
Balance
Damages
Collections
Approved
Declined
Debtor
SA
M Psearch
LE TENANCY
Cancelled
Date
Result
1
167
$1,900.00
$0.00
$0.00
32
30
3
0
4
9
REPORT
Pass
Fail
Conditional
Company Name
MoveIn
MoveOut
Bal
Terms
RAAMCO INTERNATIONAL PROPERTIES LTD C/O GATEWAY
$0.00
Surname
TESTHARVEY
TESTHARVEY
Payment Pattern
30/60/90/
111111111111 111111111111
0 0 0
Given Name(s)
Social Ins. No.
CODY RENT MOP (types of account/Manner of Payment)
000000000
CODY
On File
Last Inq
0 Too new to rate;
just moved in, no history yet
22Feb05
15Mar11
1 Pays (or paid) as agreed within 1-5 days.
2 Pays (or paid) in within 6 to 30 days.
3 Pays (or (subject
paid) in within
Residence
1) 31 to 60 days.
Rptd
Aug10
YONGE PO BOX 45047
Nov09
400-55 STANDISH CRT
Jan09
33 TORONTO ST
#M
Rt
24
01
Birth
05Aug33
Tel Day
Tel Evg
5 Pays (or paid) within 91 to 120 days but no action filed yet.
6 Legal Action commenced, termination notice or application filed.
7 Making regular payments under consent Order or mediated settlement.
8 Tenancy termination order or judgement issued, repossession.
9
City
Pr/St
Post/Zip
Ys
TOR
ON
M4P 3E3
MISSISSAUGA
ON
L5R 4J4
UXBRIDGE
ON
L6P 1E8
Category
Legal
Inquiries
Balance
Damages
Collections
Approved
Declined
Debtor search
Cancelled
Date
4
Result
1
167
$1,900.00
$0.00
$0.00
32
30
3
0
4
9
Pass
Fail
Conditional
Company Name
MoveIn
MoveOut
Bal
Terms
$0.00
Payment Pattern
30/60/90/
#M
Rt
111111111111 111111111111
0 0 0
24
01
0 Too new to rate; just moved in, no history yet
9 In collection, bad debt, or write-off.
4
15Mar11
Tel Day
[20]
Tel Evg
[16] Social
[17]on
Surnameof the
Given Name(s)
Ins. No.
Birth
[14,15] Lists
the full
subject
searched.
[19] Date
of last
inquiry
subject's name.
[14]name
[15]
Rptd
Street (recent onCODY
top)
City
Pr/St
Ys
TESTHARVEY
000000000 Post/Zip 05Aug33
[16]
SIN/SSN
of the
subject
searched.
[20]
Contact
number(s)
Aug10
YONGE
PO BOX
45047
TOR
ON
M4P 3E3of the subject searched.
TESTHARVEY
CODY
Nov09
STANDISH
CRT
MISSISSAUGA
ON
L5R 4J4
[17]
Date
of Birth of400-55
the subject
searched.
File
Tel Day
33Inq
TORONTO ST
UXBRIDGE
ON
L6P 1E8 Tel Evg
[18] OnJan09
[19] Last
[20]
[18]
Date
of first credit
22Feb05
15Mar11inquiry.
Reptd
RA
Dec12
22Feb05
[17] Birth
05Aug33
Reptd
RA
Dec12
Rental[18]History
- Identification
[19] Last Inq
On File
[16] Social Ins. No.
000000000
Residence
(subject
1) last inquiry
Review the
filed date
and the
isPass
active inFail
making payments,
Category
Datedate to ensure whether the subject
Result
Conditional acquiring
Rptd
City
Pr/St
Post/Zip
Ys
Legal
1
credit andAug10
recent activity.
YONGE PO BOX 45047
TOR
ON
M4P 3E3
Inquiries
167
[14,15] Lists
the
full
name
of
the
subject
searched.
[19]
Date
of
last
inquiry
on
subject's
name.
Nov09
400-55
STANDISH
CRT
MISSISSAUGA
ON
L5R
4J4
Balance
$1,900.00
Jan09
TORONTO
ST
UXBRIDGE
ON
L6P 1E8 of the subject searched.
[16]
SIN/SSN
searched.
[20]
Contact
number(s)
Damagesof the33subject
$0.00
Collections
$0.00
[17]
Date
of Birth of the subject searched.
Approved
32
Rent
Summary (subject 1)
[18]
Date
ofFile
first
credit
inquiry.
Approved
with
conditions
30
Category
Date
Result 3 Pass
Fail
Conditional
Declined
Legal
1 0
10
Inquiries
167
Debtordate
search
4 is active in making payments, acquiring
Review the filed
and the last inquiry date to ensure whether the subject
Balance
$1,900.00 9
Cancelled
credit and Damages
recent
activity.
$0.00
Collections
$0.00
Approved
32
30
Company
Name
Payment Pattern
Declined
3
0
Debtor search
4
Cancelled
9
10
S A M P L E T E N A N C YS ARMEP LPE OT ERNTA NEC YX RPELP OARN
AT I O N
T
RESIDENCES
Surname
TESTHARVEY
TESTHARVEY
Residences
On File
Given Name(s)
CODY
CODY
Last Inq
22Feb05
15Mar11 1)
Identification
(subject
[21]
Surname
TESTHARVEY
TESTHARVEY
Given Name(s)
CODY
CODY
Last Inq
15Mar11
Social Ins. No.
000000000
Birth
05Aug33
Tel Day
Tel Evg
Rptd
Aug10
On File
Nov09
22Feb05
Jan09
Residences
SAMPLE
On File
22Feb05
Rptd
Aug10
Nov09
Jan09
YONGE PO BOX 45047
400-55 STANDISH CRT
33 TORONTO ST
City
TOR
MISSISSAUGA
UXBRIDGE
Pr/St
ON
ON
ON
Post/Zip
M4P 3E3
L5R 4J4
L6P 1E8
Ys
Category
Date
Result
1
167
$1,900.00
$0.00
$0.00
32
30
3
0
4
9
Legal
SInquiries
AMPLE TENANCY REPORT
Balance
Damages
Collections
Approved
Declined
Debtor search
Identification
(subject 1)
Cancelled
Surname
Rental HistoryTESTHARVEY
(subject 1)
TESTHARVEY
Reptd
On
File
RA
22Feb05
Dec12
Given Name(s)
CODY
CODY
Pass
Fail
Social Ins. No.
000000000
Company Name
MoveIn
MoveOut
Bal
Terms
Last
Inq
15Mar11
$0.00
[21]
Conditional
Payment Pattern
30/60/90/
Tel Day
#M
Tel Evg
Rt
111111111111 111111111111
0 0 0
24
01
[21]
Company Name
MoveIn
MoveOut
Bal
Terms
$0.00
Payment Pattern
30/60/90/
#M
Rt
111111111111 111111111111
0 0 0
24
01
[21]
4
Given Name(s)
CODY
TESTHARVEY
CODY
YONGE
Last Inq PO BOX 45047
400-55
15Mar11 STANDISH CRT
33 TORONTO ST
TENANCY REPORT
Residence
(subject 1)(subject 1)
Rent File Summary
Rptd
Category
Birth
05Aug33
Rptd
Street (recent on top) RENT MOP (types
City
Pr/St
Post/Zip
Ys
of account/Manner
of Payment)
Aug10
YONGE PO BOX 45047
TOR
ON
M4P 3E3
O – OpenMISSISSAUGA
Account (paymentON
in full)
Nov09
400-55 STANDISH CRT
L5R 4J4
Jan09
33 TORONTO ST
UXBRIDGE
ON
L6P 1E8
2 PaysFile
(or paid)
in within (subject
6 to 30 days.
Rent
Summary
1)
Category
Date
Result
Pass
Fail
Conditional
Legal
1
Inquiries
167
Balance
$1,900.00
Damages
$0.00
Collections
$0.00
Approved
32
30
Declined
3
0
Debtor search
4
4
Cancelled
9
Reptd
RA
Dec12
Surname
TESTHARVEY
Residence (subject
1)
Date
City
TOR
MISSISSAUGA
UXBRIDGE
Pr/St
ON
ON
ON
Social Ins. No.
000000000
Birth
05Aug33
Tel Day
Tel Evg
Social Ins. No.
000000000
Birth
05Aug33
Post/Zip
Tel Day M4P 3E3
L5R 4J4
L6P 1E8
Tel Evg
Ys
Pr/St
Post/Zip
Ys
Result
Pass
Fail
Conditional
ON
M4P 3E3
1
ON
L5R 4J4
Inquiries
167
Jan09
33 TORONTO ST
ON
L6P 1E8
Lists
the current
and last known addresses for the subject
searched.
Balance
$1,900.00
Identification
(subject 1)
Damages
$0.00
Collections
$0.00
Rent File Summary
(subject 1)Given Name(s)
Surname
Social Ins. No.
Birth
Approved
32
If both
the name
and addressDate
do not match the results shown
in the reports,
you
need
to go
TESTHARVEY
CODY
000000000
Category
Result
Pass
Fail will 05Aug33
Conditional
Approved
with conditions
30
TESTHARVEY
CODY
Legal
1
the
subject
to
ask
for
documentation
to
verify
their
current
address.
Declined
3
Inquiries with reasons
167
Declined
0
On
File
Last
Inq last known addresses for the subject
Tel Day
Tel Evg
Lists
thesearch
current
and
searched.
Balance
$1,900.00
Debtor
4
Identification
(subject
22Feb05
15Mar11 1)
Damages
$0.00
Cancelled
9
Collections
$0.00
Surname
Given Name(s)
Social Ins. No.
Birth
Approved
If both
the name
and
do not match the results shown32in the reports,
you will 05Aug33
need to go
TESTHARVEY
CODY
000000000
Residence
1) address
Approved
with(subject
conditions
30
Rental History
(subject
1) CODY
TESTHARVEY
the
subject
to
ask
for
documentation
to
verify
their
current
address.
Declined
3
Rptd
Street
(recent
on top)
City
Pr/St
Post/Zip
Ys
Company
Name
Payment
Pattern
0
Aug10
YONGE
TOR
ON
On
File search
Last
Inq PO BOX 45047
Tel Day M4P 3E3
Tel Evg
Reptd
MoveIn
MoveOut
Bal
Terms
#M
Rt
Debtor
4 30/60/90/
Nov09
400-55 STANDISH
CRT
MISSISSAUGA
ON
L5R 4J4
22Feb05
15Mar11
RA
RAAMCO
INTERNATIONAL
PROPERTIES
LTD
C/O
GATEWAY
Cancelled
9
Jan09
33 TORONTO
ST (416) 922-8129
UXBRIDGE
ON
L6P 1E8
Dec12
PROPERTY
MAN
111111111111 111111111111
$0.00
0 0 0
24
01
Aug10
PON
BOX
S
A M P L E TYONGE
ENA
C 45047
Y REPORT
Legal
Nov09
400-55 STANDISH CRT
City
TOR
MISSISSAUGA
UXBRIDGE
back to
back to
Rent File Summary
RENT FILE SUMMARY
[22]
Surname
TESTHARVEY
TESTHARVEY
Given Name(s)
CODY
CODY
Last Inq
15Mar11
Social Ins. No.
000000000
Birth
05Aug33
Tel Day
Tel Evg
Street
(recent
on top) RENT MOP (types
City
Pr/St
Post/Zip
Ys
of account/Manner
of Payment)
Company
Name
[23] Conditional
Date
Result Payment
PassPattern Fail
30/60/90/ M4P 3E3
#M
Rt
1
L5R 4J4
Inquiries
167
Jan09
33 TORONTO
ST
UXBRIDGE
ON
L6P 1E8
Dec12
111111111111
0 Too new to rate; PROPERTY
just moved MAN
in, no (416)
history922-8129
yet
5 Pays (or paid)$1,900.00
within 91 to111111111111
120 days but
no action filed yet.
Balance
$0.00
0 0 0
24
01
6 Legal Action commenced,
Damages
$0.00 termination notice or application filed.
2 PaysFile
(or paid)
in within (subject
6 to 30 days.
7 Making regular payments
[22] Collections
Rent
Summary
1)
$0.00 under consent Order or mediated settlement.
3
Pays
(or
paid)
in
within
31
to
60
days.
8
Tenancy
termination
order
or
judgement
issued,
repossession.
Approved
32
[23] Conditional
Category
Result
Pass
Fail
4 Pays (or paid) in within 61 to 90 days. Date
9 In collection, bad debt,
or write-off.
O – Open Account (payment in full) 301
Legal
Declined
3
Inquiries
167
Declined
with
0 to 120 days but no action filed yet.
0 Too new
to reasons
rate; just moved in, no history yet
5 Pays (or paid)$1,900.00
within 91
Balance
Debtor
4
1 Pays search
(or paid) as agreed within 1-5 days.
6 Legal Action commenced,
Damages
$0.00 termination notice or application filed.
Cancelled
9
7 Making regular payments
Collections
$0.00 under consent Order or mediated settlement.
3
Pays
(or
paid)
in
within
31
to
60
days.
8
Tenancy
termination
order
Approved
32 or judgement issued, repossession.
Approved
with conditions
30
Rental History
(subject 1)
Declined
3
Company Name
0 Payment Pattern
Reptd
MoveIn
MoveOut
Bal 4
Terms
#M
Rt
Debtor search
4 30/60/90/
RA
RAAMCO
INTERNATIONAL
PROPERTIES
LTD C/O
GATEWAY balances,
Cancelled
9
This
section offers
a complete
history
of all legal,
inquiries,
damages, collections etc., related to
Dec12
111111111111 111111111111
the subject's past tenancy. Three categories (Pass,
of
$0.00 Fail, Conditional)
0 0 0are displayed with
24 the availability
01
Rptd
Aug10
Nov09
Jan09
YONGE PO BOX 45047
400-55 STANDISH CRT
33 TORONTO ST
City
TOR
MISSISSAUGA
UXBRIDGE
Pr/St
ON
ON
ON
Post/Zip
M4P 3E3
L5R 4J4
L6P 1E8
Ys
Category
Date
Result
1
167
$1,900.00
$0.00
$0.00
32
30
3
0
4
9
SLegal
Inquiries
Balance
Damages
Collections
Approved
Declined
Debtor search
Identification
(subject 1)
Cancelled
Given Name(s)
CODY
CODY
Company Name
MoveIn
MoveOut
Bal
Terms
Last
Inq
15Mar11
$0.00
Pass
Surname
(subject 1)
TESTHARVEY
Reptd
On
File
RA
22Feb05
Dec12
Fail
Social Ins. No.
000000000
Conditional
Birth
05Aug33
Payment Pattern
30/60/90/
Tel Day
#M
Tel Evg
Rt
111111111111 111111111111
0 0 0
24
01
Rptd
City
Pr/St
Post/Zip
Ys
of account/Manner
of Payment)
Aug10
YONGE PO BOX 45047
TOR
ON
M4P 3E3
Account (paymentON
in full)
Nov09
400-55 STANDISH CRT
L5R 4J4
Jan09
33 TORONTO ST
UXBRIDGE
ON
L6P 1E8
2 PaysFile
(or paid)
in within (subject
6 to 30 days.
Rent
Summary
1)
Category
Date
Result
Pass
Fail
Conditional
Legal
1
Inquiries
167
Balance
$1,900.00
Damages
$0.00
Collections
$0.00
Approved
32
30
Declined
3
0
Debtor search
4
4
Cancelled
9
Reptd
RA
Dec12
Company Name
MoveIn
MoveOut
Bal
Terms
$0.00
Payment Pattern
30/60/90/
#M
Rt
111111111111 111111111111
0 0 0
24
01
Rptd
Category
Aug10
YONGE PO BOX 45047
ON
Reptd
MoveIn
MoveOut O – OpenTOR
Bal
Terms
Account
(payment
in full)
Rent File
LegalSummary
Nov09
400-55 STANDISH
CRT
MISSISSAUGA
ON
RA
RAAMCO
INTERNATIONAL
PROPERTIES
LTD C/O GATEWAY
On File
22Feb05
Residence
(subject
1) 1)
Rental
History
(subject
Rent
File
Summary
(subject 1)
4
1) be used to determine if the subject's tenancy history is acceptable for approval.
theRental
checkHistory
boxes,(subject
which can
[22]
[23]
Company Name
Payment Pattern
Reptd
MoveIn
MoveOut
Bal 4
Terms
30/60/90/
#M
Rt
O – Open Account
(payment in full)
RA section offers
RAAMCO
INTERNATIONAL
PROPERTIES
LTD C/O
GATEWAY balances, damages, collections etc., related to
This
a complete
history
of all legal,
inquiries,
Dec12
111111111111 111111111111
0 subject's
Too new to rate;
moved in,
noThree
history
yet
5
Pays Fail,
(or paid)
within 91 to 120 are
days but
no action filed
yet.
Summarizes
thejustrental
history
results
on the(Pass,
subject.
the
past
tenancy.
categories
Conditional)
displayed
with
of
$0.00
0 0 0
24 the availability
01
Users
check
off 6the
criteria
which
they will
use
toregular
identify
antenancy
approved/declined
subject.
the
boxes,
which
can
be used
to determine
if the
subject's
history
acceptable
2 check
Payscan
(or paid)
in within
to 30
days.
7 Making
payments
under
consent
Order or is
mediated
settlement.for approval.
3 Pays (or paid) in within 31 to 60 days. RENT MOP (types of8account/Manner
Tenancy termination
order or judgement issued, repossession.
of Payment)
[22]
[23]
0 Too new to rate;
moved in,
no history
yet
Summarizes
thejustrental
history
results
on the 5subject.
Users
check
off 6the
criteria
which they will
use toregular
identify
anunder
approved/declined
subject.
2 Payscan
(or paid)
in within
to 30
days.
7 Making
payments
consent Order or mediated
settlement.
4
4
11
11
22Feb05
15Mar11 1)
Identification
(subject
Surname
Given Name(s)
CODY
TESTHARVEY
CODY
YONGE
Last
Inq PO BOX 45047
400-55
15Mar11 STANDISH CRT
33 TORONTO ST
TESTHARVEY
Residence (subject
1)
Rptd
Aug10
On
File
Nov09
22Feb05
Jan09
City
TOR
MISSISSAUGA
UXBRIDGE
Pr/St
ON
ON
ON
Social Ins. No.
000000000
Birth
05Aug33
Post/Zip
Tel Day M4P 3E3
L5R 4J4
L6P 1E8
Tel Evg
Ys
Residence
(subject 1)(subject 1)
Rent File Summary
Rptd
City
Pr/St
Post/Zip
Ys
Category
Date
Result
Pass
Fail
Conditional
Aug10
YONGE PO BOX 45047
TOR
ON
M4P 3E3
Legal
1
Nov09
400-55 STANDISH CRT
MISSISSAUGA
ON
L5R 4J4
Inquiries
167
Jan09
33 TORONTO ST
UXBRIDGE
ON
L6P 1E8
Balance
$1,900.00
Damages
$0.00
Collections
$0.00
Rent
File Summary (subject 1)
Approved
32
Category with conditions
Date
Result
Pass
Fail
Conditional
Approved
30
Legal
Declined
31
Inquiries
167
0
Balancesearch
$1,900.00
Debtor
4
Damages
$0.00
Cancelled
9
Collections
$0.00
Approved
32
Approved
with conditions
30
Rental History
(subject 1)
Declined
3
Company Name
0 Payment Pattern
[24] Reptd
[28] Terms [29]
[30] #M [31] Rt
[26] MoveOut
[27] Bal
Debtor search[25] MoveIn
4 30/60/90/
RA
Cancelled
9
Dec12
111111111111 111111111111
$0.00
0 0 0
24
01
TENANCY HISTORY
Rental History
Rental History
Surname
TESTHARVEY
TESTHARVEY
On File
22Feb05
Given Name(s)
CODY
CODY
Last Inq
15Mar11
Social Ins. No.
000000000
Birth
05Aug33
Tel Day
Tel Evg
Rptd
Aug10
Nov09
Jan09
YONGE PO BOX 45047
400-55 STANDISH CRT
33 TORONTO ST
City
TOR
MISSISSAUGA
UXBRIDGE
Pr/St
ON
ON
ON
Post/Zip
M4P 3E3
L5R 4J4
L6P 1E8
Ys
Category
Date
Result
Pass
Fail
1
167
Balance
$1,900.00
Damages
$0.00
Collections
$0.00
Approved
32
30
Declined
3
0
Debtor search
4
Identification
(subject 1)
Cancelled
9
Surname
Given Name(s)
Social Ins. No.
TESTHARVEY
CODY
000000000
(subject 1) CODY
Company Name
Payment Pattern
On
File
Last
Inq
Tel Day
Reptd
MoveIn
MoveOut
Bal
Terms
30/60/90/
22Feb05
15Mar11
RA
Dec12
111111111111 111111111111
$0.00
0 0 0
Legal
SInquiries
Conditional
[32]
Tel Evg
#M
Rt
24
01
Company Name
Payment Pattern
[25] MoveIn
[28] Terms
[30] #M [31] Rt
[26] MoveOut O – Open
[27]
Bal
Account
(payment
in full) [29] 30/60/90/
RA
Dec12
PROPERTY
MAN
(416)
922-8129
111111111111
111111111111
$0.00
0 0
24 filed. 01
6 Legal Action commenced,0termination
notice or application
[32] 3 Pays (or paid) in within 31 to 60 days.
Tenancy termination
order or judgement issued, repossession.
RENT MOP (types of8account/Manner
of Payment)
Rptd
City
Pr/St
Post/Zip
Ys
of account/Manner
of Payment)
Aug10
YONGE PO BOX 45047
TOR
ON
M4P 3E3
Account (paymentON
in full)
Nov09
400-55 STANDISH CRT
L5R 4J4
Jan09
33 TORONTO ST
UXBRIDGE
ON
L6P 1E8
Rent
Summary
1)
2 PaysFile
(or paid)
in within (subject
6 to 30 days.
3 Pays (or paid) in within 31 to 60 days. Date
8 Tenancy termination
order or judgement
repossession.
Category
Result
Pass issued,
Fail
Conditional
9 In collection, bad debt, or
Legal
1 write-off.
Inquiries
Balance
Damages
Collections
Approved
Declined
Debtor search
Cancelled
167
$1,900.00
$0.00
$0.00
32
30
3
0
4
9
4
Reptd
RA
Dec12
Company Name
MoveIn
MoveOut
Bal
Terms
$0.00
Payment Pattern
30/60/90/
#M
Rt
111111111111 111111111111
0 0 0
24
01
[24]
[25]
[26]
[27]
[28]
[24]
[29]
[25]
[30]
[26]
[31]
[27]
[28]
[32]
[29]
[30]
[31]
4
[24] Reptd
Birth
05Aug33
[32]
4 Pays
(or paid)
within 61 to 90to
days.
Date
item
wasin reported
RentCheck.
5
6
7
8
9
Legal Action commenced, termination notice or application filed.
Making regular payments under consent Order or mediated settlement.
Tenancy termination order or judgement issued, repossession.
In collection, bad debt, or write-off.
Date subject moved into Landlord's unit.
Date subject moved out of the Landlord's unit. 4
Arrears owing as of date reported.
Rent payment
per amount).
Date
item was ($
reported
to RentCheck.
Number
of times
subject
has been 30,
60, or 90 days past due with this account.
Date subject
moved
into Landlord's
unit.
Months
Reviewed
– the
of times or
months
the subject has been reported.
Date
subject
moved
out number
of the Landlord's
unit.
4
Manner owing
of Payment
– Account
will always been open (O); the numbers can be matched to the relative
Arrears
as of date
reported.
table
below. ($ per amount).
Rent payment
Legend explaining
the types
accounts
and
payment.
Number
of times subject
hasofbeen
30, 60,
or manner
90 daysof
past
due with this account.
Months Reviewed – the number of times or months the subject has been reported.
This
section
reports rental
historywill
collected
andthe
reporting
only
members
through
various
Manner
of Payment
– Account
alwaysfrom
beenmembers
open (O);
numbers
can
be matched
to the
relative
methods.
You can report delinquent tenants by emailing [email protected].
table
below.
Legend explaining the types of accounts and manner of payment.
This section reports rental history collected from members and reporting only members through various
methods.
S A M PYou
L Ecan
T Ereport
N A Ndelinquent
C Y R E Ptenants
O R T by emailing [email protected].
Legal Items
LEGAL ITEMS
1) N C Y R E P O R T
SLegal
A MItems
P L E(subject
TENA
File No.
SOL-24256-88
Filed
Landlord Name/Phone
03Jul05
Arrears
$1,900,00
Damages
$0.00
Date
15Mar11
24Nov10
24Nov10
05Oct10
Member Name
LANDLORD 1
LANDLORD 2
LANDLORD 3
LANDLORD 4
Telephone
(416) 344-2222
(416) 123-4657
(416) 566-7060
(416) 098-7654
Status
MoveIn Date
Approved
01Apr11
01Dec10
01Dec10
Cancelled
Legal Items
[33] File No.
[34] Filed
[35] Landlord Name/Phone
SOL-24256-88
03Jul05
[38] Grounds for Reporting: Non-Payment of Rent
[36] Arrears
$1,900,00
[37] Damages
$0.00
[36] Arrears
Status
$1,900,00
Approved
Damages
[37]
MoveIn
Date
$0.00
01Apr11
C = Conditions
Status Code
C(1)
C(2)
Description
Co-Signor
Guarantor approved
Legal
Items
(subject
Inquiries
(subject
1) 1)
File No.
SOL-24256-88
Filed
Landlord Name/Phone
03Jul05
Arrears
$1,900,00
Filed Name[35] Landlord Name/Phone
[33] File
[34]
DateNo.
Member
Telephone
SOL-24256-88
03Jul05 1
15Mar11
LANDLORD
(416) 344-2222
This
section offers
information
onNon-Payment
past courtoforders
reported
Grounds
for
Rent (416)
[38]
24Nov10
LANDLORD
2 Reporting:
123-4657 by
24Nov10
LANDLORD 3
(416) 566-7060
05Oct10
LANDLORD 4
(416) 098-7654
Damages
$0.00
Date
15Mar11
24Nov10
24Nov10
05Oct10
Member Name
LANDLORD 1
LANDLORD 2
LANDLORD 3
LANDLORD 4
Telephone
(416) 344-2222
(416) 123-4657
(416) 566-7060
(416) 098-7654
Status
MoveIn Date
Approved
01Apr11
01Dec10
01Dec10
Cancelled
C = Conditions
Status Code
C(1)
C(2)
Description
Co-Signor
Guarantor approved
5
5
[33]
[34]
[35]
[36]
[37]
[33]
[38]
[34]
[35]
[36]
[37]
[38]
Date
Member Name
Landlords
toconditions
the Rental
Approved with
C(1) History
01Dec10Database.
Cancelled
Case
FileCode
Number
of Legal
Item.
Status
Description
Inquiries Section
15Mar11
LANDLORD
1 For
Telephone
(416) 344-2222
Status
Approved
C = Conditions
24Nov10
LANDLORD 3
Landlord
whomLANDLORD
filed
the4 Legal
05Oct10
Status
Code
Description
(416) 566-7060
(416) 098-7654
Cancelled
01Dec10
MoveIn Date
01Apr11
This
section
offers
information
court orders
reported
toconditions
the Rental
24Nov10
LANDLORD
2 with on
(416)
123-4657 by Landlords
Approved with
C(1) History
01Dec10Database.
Date
Legal Item
was
filed
thepast
Court.
Item.
Arrears
owing reported.
C(1)
Co-Signor
C(2)
Guarantor
approved
Damages
amount
reported.
Case
FileCode
Number
of
Legal
Item.
Status
Description
For
Inquiries Section
Grounds
for
Reported
Legal
Item.
Date
Legal Item was filed with
the Court.
C = Conditions
Landlord
whom filed
the Legal Item.
Status Code
Description
Arrears
owing reported.
C(1)
Co-Signor
C(2)
approved
Damages
amount Guarantor
reported.
Grounds for Reported Legal Item.
01Dec10
12
12
S A M P L E T E N A N C YS ARMEP LPE OT ERNTA NEC YX RPELP OARN
T AT I O N
RENT INQUIRIES
File No.
SOL-24256-88
Rent Inquiries
[39] Date
Filed
Landlord Name/Phone
03Jul05
Arrears
$1,900,00
Damages
$0.00
15Mar11
24Nov10
24Nov10
05Oct10
Date
15Mar11
24Nov10
24Nov10
05Oct10
Member Name
LANDLORD 1
LANDLORD 2
LANDLORD 3
LANDLORD 4
Telephone
(416) 344-2222
(416) 123-4657
(416) 566-7060
(416) 098-7654
Status
MoveIn Date
Approved
01Apr11
01Dec10
01Dec10
Cancelled
C = Conditions
Status Code
C(1)
C(2)
Arrears
$1,900,00
Damages
$0.00
File No.
SOL-24256-88
Filed
Landlord Name/Phone
03Jul05
Description
Co-Signor
Guarantor approved
[41] Telephone
[40] Member Name
LANDLORD 1
LANDLORD 2
LANDLORD 3
LANDLORD 4
(416) 344-2222
(416) 123-4657
(416) 566-7060
(416) 098-7654
[42] Status
[43] MoveIn Date
Approved
01Apr11
01Dec10
01Dec10
Cancelled
C = Conditions
[44] Status Code
C(1)
C(2)
[45] Description
Co-Signor
Guarantor approved
5
[39]
[40]
[41]
[42]
[43]
[44]
[45]
Date of previous inquiry on subject.
List of Landlords who have been previously searched the subject.
Contact information for Landlords.
Status Code for Approved/Declined with conditions and reasons.
Move in Date granted by Landlords.
Status Code for Approved/Declined with conditions reasons.
Description for Status Codes.
This information is obtained when users go in to report the application status for their applicants. Under the
Status column, if they have been approved with conditions or declined with reasons, the status codes to match
are found after the Rent Inquiries section as shown in [44].
5
13
FINANCIAL HISTORY (EQUIFAX)
S A M P L EIDENTIFICATION
C R E D I T E X P L A N AT I O N
S A M P L E C R E D I T E X P L A N AT I O N
Identification
Identification
Identification
Unique Number:
Date File Opened:
DOB:
123456789
CCYY/MM/DD
CCYY/MM/DD
File Number:
SIN:
00-00000000-00-000
CCYY/MM/DD
999-999-999
Name:
Current Address:
Since:
Reported:
Former Address:
Since:
Reported:
2nd Former Address:
Since:
Reported:
AKA/Also Known as:
S
AMPLE CREDIT
Telephone:
Date last received:
[1] Unique Number:
Identification
[3] Date File Opened:
[5] DOB:
TEST, FILE, EQUIFAX
CCYY/MM/DD
STS Reported
CCYY/MM
Tape Reported
CCYY/MM
Tape Reported
R E555-555-1234
P O R T EXT Residential/Home
CCYY/MM/DD
CCYY/MM/DD
Identification
Consumer Alert
Warnings
Identification
SAFESCAN:
Unique Number:
Date File Opened:
Product
Score
DOB:
123456789
CCYY/MM/DD
CCYY/MM/DD
File Number:
SIN:
[1]
[7]
[3]
[8]
[5]
[9]
[10]
[11]
00-00000000-00-000
CCYY/MM/DD
999-999-999
Equifax RiskScore
687
**Consumer
Declaration**
Serious delinquency
and public record or collection filed.
Name:
TEST, FILE, EQUIFAX
Current Address:
5650 YONGE STREET,
TORONTO,
ON M2M
4G3 Credit File.
Medium
Risk Region,
Subprime
Since:
CCYY/MM/DD
Reported:
STS Reported
230
Former Address:
110, SHEPPARD AVE
EAST,
TORONTO,public
ON, M2B
6S1
Age
of derogatory
records.
Since:
CCYY/MM
Reported:
Tape Reported
2nd Former Address:
Since:
CCYY/MM
Reported:
Tape Reported
Summary
AKA/Also Known as:
Pub/Other
Trade Oldest-Newest
Total
High Credit
Rating
Telephone:
4
3
2800-28000
Date
first reported:
CCYY/MM/DD
Date last received:
CCYY/MM/DD
Consumer Alert
Warnings
SAFESCAN:
[7]
[8]
[12]
[9]
Product Score
Equifax RiskScore
687
6
230
[10]
[11]
[13]
[14]
Summary
Pub/Other
4
Trade Oldest-Newest
Total
3
High Credit
2800-28000
Rating
[12]
6
[13]
[14]
[1]
[2]
[3]
[4]
[1]
[5]
[2]
[6]
[3]
[7]
[4]
[8]
[5]
[9]
[6]
[10]
[7]
[8]
[11]
[9]
[12]
[10]
[13]
[14]
[11]
[12]
[13]
[14]
Unique
Name: Number:
Date
FileAddress:
Opened:
Current
DOB:
Since:
Reported:
Former Address:
Since:
Name:
Reported:
Current
Address:
2nd Former
Address:
Since:
Since:
Reported:
Reported:
Former
Address:
AKA/Also
Known as:
Since:
Telephone:
Reported:
Date
first reported:
nd
2
Former
Address:
Date
last received:
Since:
Reported:
AKA/Also Known
as:
Consumer
Alert
Telephone:
Warnings
SAFESCAN:
Date last received:
[2] File Number:
[4] Date of Last Activity:
[6] SIN:
123456789
CCYY/MM/DD
CCYY/MM/DD
00-00000000-00-000
CCYY/MM/DD
999-999-999
123456789
[2] File Number:
TEST, FILE, EQUIFAX
CCYY/MM/DD
Last
Activity:
[4] Date ofON
5650 YONGE STREET, TORONTO,
M2M
4G3
CCYY/MM/DD
[6] SIN:
CCYY/MM/DD
00-00000000-00-000
CCYY/MM/DD
999-999-999
STS Reported
Declaration**
110, SHEPPARD**Consumer
AVE EAST, TORONTO,
ON, M2B 6S1
CCYY/MM
TEST,
FILE,
EQUIFAX
Tape Reported
5650
YONGE
TORONTO,
ONM4W
M2M3C1
4G3
2314 11TH
AVESTREET,
1201, TORONTO,
ON,
CCYY/MM/DD
CCYY/MM
STS
TapeReported
Reported
110,
SHEPPARD
EAST, TORONTO, ON, M2B 6S1
PRETEND,
FILE, AVE
EQUIFAX
CCYY/MM
Tape
Reported
CCYY/MM/DD
CCYY/MM/DD
CCYY/MM
Tape Reported
CCYY/MM/DD Invalid Social Insurance Number
CCYY/MM/DD SF-9 Possible True Name Fraud
Reference number for consumers regarding their own file.
Product
Score
For
internal
use
Consumer
Alertonly.
Equifax
687 Social Insurance Number
Date
fileRiskScore
was established
Warnings
Invalid
Serious
delinquency
and public
SAFESCAN:
SF-9 Possible
True Name
Fraud record or collection filed.
Date
of last activity on file.
Reference
number
for
consumers
regarding
their own file.
Date of birth or age of subject (CCYY/MM/DD).
For
internal
use
SProduct
A
M PScore
LInsurance
E Conly.
R E DNumber
I T R E P(will
O Rdisplay
T
SIN:
Social
if provided on input and corresponds with the SIN on file).
Equifax
687
Date
fileRiskScore
was
established
Bankruptcy
Navigator
Index
230
Subject
name.
Serious
delinquency
and public
record or collection filed.
Age
of derogatory
public
records.
Date
of last
activity on file.
Time
since
is too recent or unknown.
Current
address.
Average
agedelinquency
of retail trades.
Number
of
accounts
with delinquency
Date
of
birth
or
age
of
subject
(CCYY/MM/DD).
Number
of
recent
inquiries.
Since:
Date
theCaddress
to theRisk
file.
Medium
Region, Subprime Credit File.
S ASocial
M
P LInsurance
E
R E DNumber
I Twas
R Efirst
P(will
Oreported
Rdisplay
T
SIN:
if provided
anddirect
corresponds
with theTape:
SIN on
file).
Identification
Reported:
Indicates
how the information
was
reportedon
to input
EFX STS:
link customer,
electronic
Bankruptcy
Navigator
Index
230
Summary
Subject
name.
Unique
Number:
123456789
File
Number:
00-00000000-00-000
reporting customer, DAT: Direct Access Terminal
Date
File address.
Opened:
CCYY/MM/DD Average
Date
Lasttrades.
Activity:
Pub/Other
Trade Oldest-Newest
Total
High Credit CCYY/MM/DD
Rating
Current
age
of of
retail
Former
address:
Previous address
of subject.
DOB:
CCYY/MM/DD
4
3 ofSIN:
2800-28000 999-999-999 1-One, 1-Two, 1-Other
Number
recent inquiries.
Since:
Date
the
address
was
first
reported
to the
file.
Second former address.
**Consumer
Declaration**
Identification
Reported:
how
information
was reported
to EFX
STS:the
direct
linkprovided
customer,
Tape: electronic
AKA
or AlsoIndicates
Known As:
Thethe
credit
report contains
all information
under
names
(combined
reports).
Summary
Unique
Number:
123456789
File Number:
00-00000000-00-000
reporting
customer,
DAT:
Direct
Access
Terminal
Name:
TEST,
FILE,
EQUIFAX
Maximum
3
iterations
of
telephone
numbers/extension,
including
type
(home/business/cellular),
date
Date
File
Opened:
CCYY/MM/DD
Date
of
Last
Activity:
CCYY/MM/DD
Pub/Other
Trade
Oldest-Newest
Total
High
Credit
Rating
Current Address:
5650 YONGE
STREET, TORONTO, ON M2M 4G3
Former
address:
Previous
address
of
subject.
DOB:
CCYY/MM/DD
4 reported to
2800-28000 999-999-999 1-One, 1-Two, 1-Other
first
EFX, date last
received at EFX 3 SIN:
Since:
CCYY/MM/DD
Second
former address.
Reported:
STS Reported
**Consumer
Declaration**
Former
110, SHEPPARD
AVE EAST,all
TORONTO,
ON, M2B
6S1 the names provided (combined reports).
AKA
or Address:
Also Known As: The credit
report contains
information
under
Since:
CCYY/MM
Name:
TEST,
FILE,numbers/extension,
EQUIFAX
Maximum
including
type (home/business/cellular), date
Reported: 3 iterations of telephone
Tape Reported
Current
Address:
5650
YONGE
TORONTO,
ONM4W
M2M3C1
4G3
2 Former
Address:
2314 11TH
AVESTREET,
1201, TORONTO,
ON,
first
reported
to EFX, date last
received
at EFX
Since:
CCYY/MM/DD
Since:
CCYY/MM
nd
Reported:
Reported:
Former
Address:
AKA/Also
Known as:
Since:
Telephone:
Reported:
Date
first
reported:
nd
2
Former
Address:
Date
last received:
Since:
Reported:
AKA/Also Known
as:
Consumer
Alert
Telephone:
[15] Warnings
[16] SAFESCAN:
Date last received:
STS
TapeReported
Reported
110,
SHEPPARD
EAST, TORONTO, ON, M2B 6S1
PRETEND,
FILE, AVE
EQUIFAX
CCYY/MM
Tape
Reported
CCYY/MM/DD
6
2314
11TH AVE 1201, TORONTO,
ON, M4W 3C1
CCYY/MM/DD
CCYY/MM
Tape Reported
Insurance Number
CCYY/MM/DD Invalid Social
6
CCYY/MM/DD SF-9 Possible True Name Fraud
Consumer Alert
CONSUMER
ALERT
Identification
Unique Number:
Date File Opened:
DOB:
123456789
CCYY/MM/DD
CCYY/MM/DD
File Number:
SIN:
00-00000000-00-000
CCYY/MM/DD
999-999-999
Name:
Current Address:
Since:
Reported:
Former Address:
Since:
Reported:
2nd Former Address:
Since:
Reported:
AKA/Also Known as:
S
AMPLE CREDIT
Telephone:
Date last received:
Consumer Alert
TEST, FILE, EQUIFAX
CCYY/MM/DD
STS Reported
CCYY/MM
Tape Reported
CCYY/MM
Tape Reported
R E555-555-1234
P O R T EXT Residential/Home
CCYY/MM/DD
CCYY/MM/DD
Product Score
Consumer
Alert
Consumer Alert
Warnings
Identification
SAFESCAN:
Unique Number:
Date File Opened:
Product
Score
DOB:
123456789
CCYY/MM/DD
CCYY/MM/DD
File Number:
SIN:
00-00000000-00-000
CCYY/MM/DD
999-999-999
Equifax RiskScore
687
**Consumer
Declaration**
Serious delinquency
Name:
TEST, FILE, EQUIFAX
Current Address:
5650 YONGE STREET,
TORONTO,
ON M2M
4G3 Credit File.
Medium
Risk Region,
Subprime
Since:
CCYY/MM/DD
Reported:
STS Reported
230
Former Address:
110, SHEPPARD AVE
EAST,
TORONTO,public
ON, M2B
6S1
Age
of derogatory
records.
Since:
CCYY/MM
Reported:
Tape Reported
2nd Former Address:
Since:
CCYY/MM
Reported:
Tape Reported
Summary
AKA/Also Known as:
Pub/Other
Trade Oldest-Newest
Total
High Credit
Rating
Telephone:
4
3
2800-28000
Date
first reported:
CCYY/MM/DD
Date last received:
CCYY/MM/DD
[15]
[16]
Consumer Alert
Warnings
SAFESCAN:
Product Score
Equifax RiskScore
687
6
230
Summary
Pub/Other
4
Trade Oldest-Newest
Total
3
6
High Credit
2800-28000
Rating
[15]
[16]
RiskScore
[15] Equifax
Warnings
[16] SAFESCAN:
687
Possible True Name Fraud
Consumer File Alert: Information input onSF-9
inquiry
does notismatch
or is invalid.
Time
since delinquency
too recentfile
or unknown.
SafeScan
Warning:
Fraud
alert
message
warns
you of potential application fraud. (Available only to
Product Score
SafeScan
subscribers).
Equifax RiskScore
687
230
Bankruptcy
SummaryNavigator Index
230
Total
High Credit
Average
age of retail trades.
3 of recent inquiries.
2800-28000
Number
of derogatory public records.
Consumer File Alert: Information input onAge
inquiry
does
notismatch
or is invalid.
Time
since
too recentfile
or unknown.
Average
agedelinquency
of retail trades.
Number
of
with delinquency
Numberyou
of accounts
recent
inquiries.
SafeScan Warning: Fraud alert message warns
of potential
application fraud. (Available only to
SafeScan subscribers).
Pub/Other
4
Trade Oldest-Newest
Rating
Summary
Pub/Other
4
Trade Oldest-Newest
14
Total
3
High Credit
2800-28000
Rating
14
6
DOB:
CCYY/MM/DD
SIN:
999-999-999
Name:
Identification
TEST, FILE, EQUIFAX
Current Address:
Unique
123456789
File Number:
00-00000000-00-000
Since: Number:
CCYY/MM/DD
Date
File
Opened:
CCYY/MM/DD
CCYY/MM/DD
Reported:
STS
S
A
M
P
L
E
C
R
E
D
I
T
R
E PReported
ORT
DOB:
CCYY/MM/DD
SIN:
999-999-999
Former Address:
Since:
CCYY/MM
**Consumer
Declaration**
Reported:
Tape Reported
2nd Former Address:
Name:
TEST,
FILE, EQUIFAX
Since:
CCYY/MM
Current
Address:
5650
YONGE STREET, TORONTO, ON M2M 4G3
Reported:
Tape Reported
Identification
Since:
CCYY/MM/DD
AKA/Also Known as:
Reported:
Telephone:
555-555-1234
S
A MNumber:
P L E C R E D I T R STS
E123456789
PReported
O R T EXT Residential/Home
Unique
File Number:
00-00000000-00-000
Former
Address:
110,
SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date
reported:
CCYY/MM/DD
Date first
File Opened:
CCYY/MM/DD
CCYY/MM/DD
Since:
CCYY/MM
Date
last
received:
CCYY/MM/DD
DOB:
CCYY/MM/DD
SIN:
999-999-999
Reported:
Tape Reported
2nd Former Address:
Consumer
Alert
Since:
CCYY/MM
Reported:
Tape Reported
Warnings
Name:
TEST, FILE, EQUIFAX
Identification
AKA/Also
Known as:
SAFESCAN:
SF-9TORONTO,
Possible True
Current Address:
5650 YONGE STREET,
ONName
M2MFraud
4G3
Telephone:
555-555-1234
EXT
Residential/Home
Unique
123456789
File Number:
00-00000000-00-000
Since: Number:
CCYY/MM/DD
Date
first
reported:
CCYY/MM/DD
Date
File
Opened:
CCYY/MM/DD
Date
of
Last
Activity:
CCYY/MM/DD
Reported:
STS
Reported
[17] Product
Score
Date
last received:
CCYY/MM/DD
DOB:
CCYY/MM/DD
SIN:
999-999-999
Former Address:
110, SHEPPARD AVE EAST, TORONTO,
ON, M2B 6S1
Equifax
687
Since: RiskScore
CCYY/MM
Declaration**
Serious delinquency
Reported:
Tape Reported **Consumer
Consumer
Alert
Time
since delinquency
is 3C1
too recent or unknown.
2nd Former Address:
2314 11TH AVE 1201,
TORONTO,
ON, M4W
Warnings
Invalid Social
Insurance
Number
Name:
TEST,
FILE, EQUIFAX
Number
of accounts
with
delinquency
Since:
CCYY/MM
SAFESCAN:
SF-9TORONTO,
Possible
True
Fraud
Current
Address:
5650
YONGE STREET,
ONName
M2M
4G3 Credit File.
Medium
Risk Region,
Subprime
Reported:
Tape Reported
Since:
CCYY/MM/DD
AKA/Also Known as:
Reported:
STS
Reported
Bankruptcy
Navigator
Index
230
Telephone:
555-555-1234
EXT
Residential/Home
[17] Product Score
Former
Address:
110,
SHEPPARD AVE
EAST,
TORONTO,
ON, records.
M2B 6S1
Age
of derogatory
public
Date first
reported:
CCYY/MM/DD
Equifax
RiskScore
Since:
CCYY/MM
Date last
received:
CCYY/MM/DD 687
Serious
Reported:
Tape Reported
Numberdelinquency
of recent inquiries.
Time
since delinquency
is 3C1
too recent or unknown.
2nd Former Address:
2314 11TH AVE 1201,
TORONTO,
ON, M4W
Consumer
Alert
Since:
CCYY/MM
Summary
Medium
Risk
Region,
Subprime
Reported:
Tape
Reported
Warnings
Invalid Social Insurance NumberCredit File.
AKA/Also Known as: Trade Oldest-Newest
SAFESCAN:
SF-9Total
Possible True Name High
FraudCredit
Pub/Other
Rating
Bankruptcy
Navigator
Index
230
Telephone:
555-555-1234
EXT
Residential/Home
4
3
Scores
and
Reason
Codes: ACCYY/MM/DD
risk score accompanied
up2800-28000
to three reason codes
and score card
Age of derogatoryby
public
records.
Date first
reported:
Product
Score
Average
age
of
retail
trades.
Date
last
received:
CCYY/MM/DD
indicator. Provides details on what had a negative
impact on the score (even if minimal impact. Available
Equifax RiskScore
687
only
to risk score subscribers).
Consumer Alert
Summary
Warnings
Invalid
Insurance
Number
NumberSocial
of accounts
with
delinquency
SAFESCAN:
SF-9
Possible
True Name
FraudCredit
Pub/Other
Trade Oldest-Newest
Total
High
Rating
Medium
Risk Region,
Subprime
Credit File.
4
3
2800-28000
Scores and Reason Codes: A risk score accompanied by up to three reason codes
and score card
BankruptcyScore
Navigator Index
230
Product
indicator.
Provides details on what had a negative
impact
onrecords.
the score (even if minimal impact. Available
Age of derogatory
public
Equifax RiskScore
687
only
to risk score subscribers).
Serious
Numberdelinquency
of recent inquiries.
[18] Summary
PRODUCT SCORE
S A M P L E C R E DProduct
I T E XScore
P L A N AT I O N
Identification
Unique Number:
Date File Opened:
DOB:
123456789
CCYY/MM/DD
CCYY/MM/DD
Name:
Current Address:
Since:
Reported:
Former Address:
Since:
Reported:
2nd Former Address:
Since:
Reported:
AKA/Also Known as:
Telephone:
Date last received:
TEST, FILE, EQUIFAX
CCYY/MM/DD
STS Reported
CCYY/MM
Tape Reported
CCYY/MM
Tape Reported
CCYY/MM/DD
CCYY/MM/DD
File Number:
SIN:
00-00000000-00-000
CCYY/MM/DD
999-999-999
Product Score
Consumer Alert
Warnings
SAFESCAN:
Product
S
A M PScore
LE CREDIT REPORT
Equifax RiskScore
Identification
Unique Number:
Date File Opened:
DOB:
687
230
Age of derogatory
public records.
File Number:
Average age
of of
retail
Date
Lasttrades.
Activity:
Number ofSIN:
recent inquiries.
123456789
CCYY/MM/DD
CCYY/MM/DD
00-00000000-00-000
CCYY/MM/DD
999-999-999
Summary
Name:
TEST, FILE, EQUIFAX Total
Pub/Other
Trade Oldest-Newest
High Credit
Current
Address:CCYY/MM/DD-CCYY/MM/DD
ON M2M2800-28000
4G3
4
3
Since:
CCYY/MM/DD
Reported:
STS Reported
Former Address:
Since:
CCYY/MM
Reported:
Tape Reported
2nd Former Address:
Since:
CCYY/MM
Reported:
Tape Reported
AKA/Also Known as:
Telephone:
CCYY/MM/DD
Date last received:
CCYY/MM/DD
Rating
Consumer Alert
Warnings
SAFESCAN:
Invalid Social
Insurance Number
6
Product Score
Equifax RiskScore
687
230
[17]
Summary
Pub/Other
4
Trade Oldest-Newest
Total
3
High Credit
2800-28000
Rating
6
[17]
Summary
SUMMARY
Identification
Unique Number:
Date File Opened:
DOB:
123456789
CCYY/MM/DD
CCYY/MM/DD
File Number:
SIN:
Name:
Current Address:
Since:
Reported:
Former Address:
Since:
Reported:
2nd Former Address:
Since:
Reported:
AKA/Also Known as:
Telephone:
Date last received:
Pub/Other
Trade Oldest-Newest
Bankruptcy
Navigator
Index
4
00-00000000-00-000
CCYY/MM/DD
999-999-999
Summary
TEST, FILE, EQUIFAX
CCYY/MM/DD
STS Reported
CCYY/MM
Tape Reported
CCYY/MM
Tape Reported
CCYY/MM/DD
CCYY/MM/DD
6
Total
High Credit
230 3
2800-28000
Rating
Consumer Alert
Warnings
SAFESCAN:
Product
S
A M PScore
LE CREDIT REPORT
Equifax RiskScore
Identification
Unique Number:
Date File Opened:
DOB:
687
123456789
CCYY/MM/DD
CCYY/MM/DD
230
Age of derogatory
public records.
File Number:
Average age
of of
retail
Date
Lasttrades.
Activity:
Number ofSIN:
recent inquiries.
[18]
Summary
Name:
TEST, FILE, EQUIFAX Total
Pub/Other
Trade Oldest-Newest
High Credit
Current
Address:CCYY/MM/DD-CCYY/MM/DD
ON M2M2800-28000
4G3
4
3
Since:
CCYY/MM/DD
Reported:
STS Reported
Former Address:
Since:
CCYY/MM
Reported:
Tape Reported
2nd Former Address:
Since:
CCYY/MM
Reported:
Tape Reported
AKA/Also Known as:
Telephone:
CCYY/MM/DD
Date last received:
CCYY/MM/DD
Rating
Consumer Alert
Warnings
SAFESCAN:
Invalid Social
Insurance Number
6
Product Score
Equifax RiskScore
687
230
Summary
Pub/Other
4
Trade Oldest-Newest
Total
3
6
High Credit
2800-28000
Rating
[18]
Summary
Summary
Pub/Other
00-00000000-00-000
CCYY/MM/DD
999-999-999
[18]
Trade Oldest-Newest
6
Total
High Credit
Rating
4
3
Pub/Other
Number of Public
Records 2800-28000
or Other information 1-One, 1-Two, 1-Other
Trade Oldest-Newest
Oldest trade open date-most recent trade reporting date
Total
Total number of trades on the file
High Credit
High credit range of trades on file
Summary
R
Revolving account
O 6 Records
Open or
Account
Pub/Other
Number of Public
Other information
ITrade Oldest-Newest
Installment Oldest trade open
L
Lease Account
date-most
recent trade reporting date
C
Line of Credit Total number M
Mortgage
Total
of trades
on the file
High Credit
High credit range of trades on file
R
I
C
Revolving account
Installment
Line of Credit
O6
L
M
Open Account
Lease Account
Mortgage
15
How to Interpret15a Tenancy History Report and Equifax Credit Report 15
CREDIT INQUIRIES
Inquiries
Inquiries
Inquiries
Inquiries
[19] Subject shows 3 inquiries since CCYY/MM/DD
MEMBER INQUIRIES
Date
CCYY/MM/DD
CCYY/MM/DD
CCYY/MM/DD
CCYY/MM/DD
Member Name
ABC BANK
RETAIL WORLD
CANADA CAR LOANS
MORTGAGE WORLD
Telephone
222-555-3333
555-555-1234
555-999-0000
00-555-0987
Date
Member
S
A M P L E C R E D I T R INTLUSA
E P O RNo/City
T
06/02/2002
401BB17978
[20] MEMBER INQUIRIES
TD/GM/VISA
Inquiries
Current Employer:
TESTS MECHANIC SHOP
OWNER,
Former Employer:
ABC MECHANICS
AUTO MECHANIC
THE CAR SHOP
MEMBER INQUIRIES
City, Province:
TORONTO, ON
Date
Member Name
Telephone
Verified Status:
CCYY/MM
CCYY/MM/DD
ABC BANK
222-555-3333
CCYY/MM/DD
RETAIL WORLD
555-555-1234
CCYY/MM/DD
CANADA CAR LOANS
555-999-0000
Public
Records/Other
Information
CCYY/MM/DD
MORTGAGE WORLD
00-555-0987
Foreign
Filed Bureau Inquiries:
Type
Court Name
Court No.
Liab
CCYY/MM/DD
IND
MIN OF ATTORNEY GEN
472VF00022
28000
Date
Member No/City
Case No/Trustee:
22855 MORRIS ETAL
06/02/2002
INTLUSA 401BB17978
TD/GM/VISA
Disposition:
Discharged, CCYY/MM
Description:
Inquiries
Asset
280
Date
Member Name
[19] Subject
shows 3 inquiries since CCYY/MM/DD
CCYY/MM/DD
ABC BANK
CCYY/MM/DD
RETAIL WORLD
[20] MEMBER
INQUIRIES
CCYY/MM/DD
CANADA CAR LOANS
CCYY/MM/DD
MORTGAGE WORLD
Date
Member Name
ABC BANK
[21] CCYY/MM/DD
RETAIL WORLD
[22] CCYY/MM/DD
CCYY/MM/DD
CANADA CAR LOANS
CCYY/MM/DD
MORTGAGE
WORLD
Date
Member No/City
06/02/2002
INTLUSA 401BB17978
[21] Total Number of Inquiries:
A MBureau
P L EInquiries:
CREDIT REPORT
[22] S
Foreign
Filed By
Subject
Collection
Current Employer:
TESTS MECHANIC SHOP
Since,Left,
Position, Salary: Type
OWNER, Amt
Rptd
DLA
Bal
Former
Employer:
ABC MECHANICS
CANADA
COLLECTION
481YC00036
Since,
Left, Position, Salary: Unpaid AUTO MECHANIC
CCYY/MM
2500
CCYY/MM
2212
2nd
Former
Employer:
THE CAR SHOP
Verified
Date:
CCYY/MM
City,
Province:
TORONTO,
ON
Acct/Creditor:
55555 ABC
RETAIL INC
Since,
Left, Position, Salary: Subject disputes
CCYY/MM,
CCYY/MM, Mechanic JR, 1900
Description:
this account
Verified Status:
CCYY/MM
Reason
Unknown
Ledger Number
1111111
Filed
CCYY/MM/DD
Case No/Trustee:
Disposition:
Description:
Type
Court Name
IND
MIN OF ATTORNEY GEN
22855 MORRIS ETAL
Discharged, CCYY/MM
Court No.
472VF00022
Liab
28000
Asset
280
Filed By
Subject
7
Collection
Rptd
CANADA COLLECTION
CCYY/MM
Verified Date:
Acct/Creditor:
Description:
Type
Amt
481YC00036
Unpaid
2500
CCYY/MM
DLA
Bal
Reason
CCYY/MM
2212
Unknown
Ledger Number
1111111
Employment
Information
Date
7
[19]
[20]
[21]
[19]
[22]
[20]
[21]
[22]
06/02/2002
Current Employer:
Telephone
222-555-3333
555-555-1234
555-999-0000
00-555-0987
Telephone
222-555-3333
555-555-1234
555-999-0000
00-555-0987
TD/GM/VISA
Member No/City
INTLUSA
401BB17978
TESTS MECHANIC
SHOP
TD/GM/VISA
Alert
have
S
Amessages
MEmployer:
P L E Cappears
R E D I Tif there
R OWNER,
E P MECHANICS
O
R Tbeen three or more inquiries within the past 90 days.
Former
ABC
Since,
Left,member
Position,
Salary:
AUTO MECHANIC
Date
and
name for inquiries
in the past 36 months. Member phone number will display for
Inquiries
Employment
Information
THE CAR SHOP
inquiries
in past
12 months.
Subject
shows
3 inquiries
since CCYY/MM/DD
Current
Employer:
TESTS
MECHANIC
SHOP
City, Province:
TORONTO,
ON
Since,Left,
Salary:
OWNER,
Since,number
Left,Position,
Position,
Salary:
CCYY/MM,
CCYY/MM,
Mechanic
JR, 1900
Total
of appears
inquiries
file
was
established.
Alert
messages
ifsince
there
have
been
three
or more
inquiries within the past 90 days.
MEMBER
INQUIRIES
Former
Employer:
ABC
MECHANICS
Verified Status:
CCYY/MM
Date,
Member
number
of U.S
inquiring
Since,
Left,member
Position,
Salary:
AUTO MECHANIC
Date
and
nameand
for name
inquiries
in the
past 36customers.
months. Member phone number will display for
Inquiries
DateFormer Employer:
Member
Telephone
2nd
THE
CARName
SHOP
inquiries
in past
12 months.
Subject
shows
3 inquiries
since CCYY/MM/DD
CCYY/MM/DD
ABC BANK ON
222-555-3333
City,
Province:
TORONTO,
Public
Records/Other Information
CCYY/MM/DD
RETAIL
555-555-1234
Since,
Left, Position,
Salary:
CCYY/MM,
CCYY/MM,
Mechanic JR, 1900
Total
number
of inquiries
since
fileWORLD
was
established.
MEMBER
INQUIRIES
INFORMATION
CCYY/MM/DD
CANADA OR
CARBANKRUPTCY
LOANS
555-999-0000
Verified
Status: FROM THE SUPERINTENDENT
CCYY/MM
Date,
Member number and name
of U.S
inquiring customers.
CCYY/MM/DD
MORTGAGE
WORLD
00-555-0987
Date
Member
Filed
Type
Court
NameName
Court No. TelephoneLiab
Asset
CCYY/MM/DD
ABC
222-555-3333
CCYY/MM/DD
IND Information
MIN
OFBANK
ATTORNEY GEN
472VF00022
28000
280
Total
Number
of Inquiries:
Public
Records/Other
CCYY/MM/DD
RETAIL WORLD
555-555-1234
Case
No/Trustee:
22855 MORRIS ETAL
Foreign
Bureau Inquiries:
INFORMATION FROMDischarged,
THE SUPERINTENDENT
CCYY/MM/DD
CANADA OR
CARBANKRUPTCY
LOANS
555-999-0000
Disposition:
CCYY/MM
CCYY/MM/DD
MORTGAGE
WORLD
00-555-0987
Description:
Bankrupt absolute
discharge
Date
Member
No/City
Filed
Type
Court
Name 401BB17978
Court No. TD/GM/VISA
Liab
Asset
06/02/2002
INTLUSA
CCYY/MM/DD
IND
MIN OF ATTORNEY GEN
472VF00022
28000
280
Case
No/Trustee:
22855
MORRIS
ETAL
Foreign
Bureau
Inquiries:
Collection
Disposition:
Discharged, CCYY/MM
Employment
Information
Rptd
Type
Amt
DLA
Baland DescriptionReason
Description:
Bankrupt
absolute
discharge
Date
Member
No/City
Province
CANADA
COLLECTION
481YC00036
06/02/2002
INTLUSA
401BB17978
TD/GM/VISA
Current Employer:
TESTS MECHANIC
SHOP
CCYY/MM
CCYY/MM
2212
Unknown
Since,Left, Position, Salary: Unpaid OWNER, 2500
Verified
Date:
CCYY/MM
Collection
Former Employer:
ABC MECHANICS
Acct/Creditor:
55555
ABC
RETAIL
INC
Since,
Left,
Position,
Salary:
AUTO
MECHANIC
Rptd
Type disputes
Amt
DLA
Bal
Reason
Description:
Subject
this
account
THE CAR
SHOP
CANADA
COLLECTION
481YC00036
Current
Employer:
TESTS
MECHANIC
SHOP
City, Province:
TORONTO,
ON
CCYY/MM
Unpaid
2500
CCYY/MM
2212
Unknown
Since,Left,
Position,
Salary:
OWNER,
Verified
Date:
CCYY/MM
Former
ABC
MECHANICS
VerifiedEmployer:
Status:
CCYY/MM
Acct/Creditor:
RETAIL
INC
Since, Left, Position, Salary: 55555 ABC
AUTO
MECHANIC
Description:
Subject disputes
thisSHOP
account
THE CAR
City,
Province:
TORONTO,
ON
INFORMATION
Verified
CCYY/MMOR BANKRUPTCY
EMPLOYMENT
INFORMATION
Employment
Information
[23]
Inquiries
[24]
[25]
MEMBER INQUIRIES
Date
CCYY/MM/DD
CCYY/MM/DD
CCYY/MM/DD
CCYY/MM/DD
Member Name
ABC BANK
RETAIL WORLD
CANADA CAR LOANS
MORTGAGE WORLD
Telephone
222-555-3333
555-555-1234
555-999-0000
00-555-0987
Date
Member
S
A M P L E C R E D I T R INTLUSA
E P O RNo/City
T
06/02/2002
401BB17978
TD/GM/VISA
[26]
[23]
[24]
[25]
Current Employer:
TESTS MECHANIC SHOP
OWNER,
Former Employer:
ABC MECHANICS
AUTO MECHANIC
THE CAR SHOP
MEMBER INQUIRIES
City, Province:
TORONTO, ON
Date
Member Name
Telephone
Verified Status:
CCYY/MM
CCYY/MM/DD
ABC BANK
222-555-3333
CCYY/MM/DD
RETAIL WORLD
555-555-1234
CCYY/MM/DD
CANADA CAR LOANS
555-999-0000
Public
Records/Other
Information
CCYY/MM/DD
MORTGAGE WORLD
00-555-0987
Foreign
Filed Bureau Inquiries:
Type
Court Name
Court No.
Liab
CCYY/MM/DD
IND
MIN OF ATTORNEY GEN
472VF00022
28000
Date
Member No/City
Case No/Trustee:
22855 MORRIS ETAL
06/02/2002
INTLUSA 401BB17978
TD/GM/VISA
Disposition:
Discharged, CCYY/MM
Description:
Inquiries
Asset
280
Filed By
Subject
[26]
Collection
Current Employer:
TESTS MECHANIC SHOP
Since,Left,
Position, Salary: Type
OWNER, Amt
Rptd
DLA
Bal
Former
Employer:
ABC MECHANICS
CANADA
COLLECTION
481YC00036
Since,
Left, Position, Salary: Unpaid AUTO MECHANIC
CCYY/MM
2500
CCYY/MM
2212
2nd
Former
Employer:
THE CAR SHOP
Verified
Date:
CCYY/MM
City,
Province:
TORONTO,
ON
Acct/Creditor:
55555 ABC
RETAIL INC
Since,
Left, Position, Salary: Subject disputes
CCYY/MM,
Description:
this account
Verified Status:
CCYY/MM
Reason
Unknown
Ledger Number
1111111
Filed
CCYY/MM/DD
Case No/Trustee:
Disposition:
Description:
Type
Court Name
IND
MIN OF ATTORNEY GEN
22855 MORRIS ETAL
Discharged, CCYY/MM
Court No.
472VF00022
Liab
28000
Asset
280
Filed By
Subject
7
Collection
Rptd
CANADA COLLECTION
CCYY/MM
Verified Date:
Acct/Creditor:
Description:
Type
Amt
481YC00036
Unpaid
2500
CCYY/MM
DLA
Bal
Reason
CCYY/MM
2212
Unknown
7
Ledger Number
1111111
[23]
[24]
[25]
[23]
[26]
[24]
[25]
[26]
Filed By
Subject
Filed By
Subject
Ledger Number
1111111
Ledger Number
1111111
Company name of most recent reported current employer.
Filed
Type
Court Name
Court No.
Liab
Filed By
Occupation
of subject
and MIN
when
verified GEN
start date,
left date and
salary. Asset
CCYY/MM/DD
IND Information
OF ATTORNEY
472VF00022
28000
280
Subject
Public Records/Other
Case
No/Trustee:
22855
MORRIS
ETAL
Former
Employer: THE
Company
name of previous employer.
INFORMATION FROMDischarged,
SUPERINTENDENT
Disposition:
CCYY/MM OR BANKRUPTCY7
Since,
left,name
position,
salary:
Occupation
subjectemployer.
and when verified start date, left date and salary.
Company
of
most
recent
reportedofcurrent
Description:
Bankrupt
absolute
discharge
Filed
Type
Court Name
Court No.
Liab
Filed By
2ndCCYY/MM/DD
Former Employer:
Company
name
of second
or previous
Occupation
of subject
and MIN
when
verified
start date,
left date employer.
and
salary. Asset
IND
OF ATTORNEY
GEN
472VF00022
28000
280
Subject
Case
No/Trustee:
22855
MORRISOccupation
ETAL
Since,
left,
position,
salary:
of subject
and when verified start date, left date and salary.
Former
Employer:
Company
name of previous
employer.
Collection
Disposition:
Discharged, CCYY/MM
7 and when verified start date, left date and salary.
Since,
salary:
Occupation
Rptd left, position,
Type
Amt of subject
DLA
Bal
Reason
Ledger Number
Description:
Bankrupt
absolute
discharge
COLLECTION
2ndCANADA
Former
Employer: 481YC00036
Company name of second or previous employer.
CCYY/MM
Unpaid
2500
CCYY/MM
2212
Unknown
1111111
Since,
left,
position, salary:
Occupation of subject and when verified start date, left date and salary.
Verified
Date:
CCYY/MM
Collection
Acct/Creditor:
Rptd
Description:
CANADA COLLECTION
CCYY/MM
Verified Date:
Acct/Creditor:
Description:
Type disputes this
Amt
Subject
account
481YC00036
Unpaid
2500
CCYY/MM
DLA
Bal
Reason
CCYY/MM
2212
Unknown
Ledger Number
1111111
7
16
7
16
MEMBER INQUIRIES
Inquiries
Date
Member Name
CCYY/MM/DD
ABC BANK
CCYY/MM/DD
RETAIL WORLD
MEMBER INQUIRIES
CCYY/MM/DD
CANADA CAR LOANS
CCYY/MM/DD
MORTGAGE WORLD
Date
Member Name
CCYY/MM/DD
ABC BANK
CCYY/MM/DD
RETAIL WORLD
CCYY/MM/DD
CANADA CAR LOANS
CCYY/MM/DD
MORTGAGE WORLD
Date
Member No/City
06/02/2002
INTLUSA 401BB17978
Telephone
222-555-3333
555-555-1234
555-999-0000
00-555-0987
Telephone
222-555-3333
555-555-1234
555-999-0000
00-555-0987
TD/GM/VISA
PUBLIC RECORDS
OTHER INFORMATION
S A M P L E Information
C R E D I T RMember
E P O No/City
T
Employment
S A M P L E C R E D I T EDate
XPLAN
AT I OINTLUSA
N R401BB17978
06/02/2002
Current Employer:
TESTS MECHANIC
SHOP
TD/GM/VISA
OWNER,
Former Employer:
ABC MECHANICS
SSince,
AM
PPosition,
L E Information
CSalary:
R E D I T R EAUTO
P OMECHANIC
RT
Employment
Left,
THE CAR SHOP
Current
Employer:
TESTS MECHANIC SHOP
Inquiries
City,
Province:
TORONTO, ON
OWNER,
Since,
Left,
Position,
Salary:
Subject
shows
3 inquiries
since CCYY/MM/DD
Former
Employer:
ABC MECHANICS
Verified Status:
CCYY/MM
AUTO MECHANIC
MEMBER
INQUIRIES
THE CAR SHOP
Inquiries
City,
Province:
TORONTO, ON
Public
Records/Other
Information
[27] Since,
Date Left,
Member Name
Telephone
Position,
Salary:
CCYY/MM,
Subject
shows
3 inquiries
since CCYY/MM/DD
CCYY/MM/DD
ABC BANK
222-555-3333
CCYY/MM
INFORMATION
OR BANKRUPTCY
[28] Verified
CCYY/MM/DD
RETAIL WORLD
555-555-1234
MEMBER INQUIRIES
CCYY/MM/DD
CANADA
Filed
Type
Court
Name CAR LOANS
Court No. 555-999-0000
Liab
Asset
Filed By
CCYY/MM/DD
MORTGAGE
WORLD
00-555-0987
Records/Other
[27] Public
CCYY/MM/DD
IND Information
MIN
OF ATTORNEY
472VF00022
280
Subject
Date
Member
Name GEN
Telephone28000
Case
No/Trustee:
22855
MORRIS
ETAL
CCYY/MM/DD FROM THE SUPERINTENDENT
ABC BANK
222-555-3333
OR BANKRUPTCY
[28] INFORMATION
Disposition:
Discharged, CCYY/MM
CCYY/MM/DD
RETAIL WORLD
555-555-1234
Description:
Bankrupt absolute
discharge
CCYY/MM/DD
CANADA
Filed
Type
Court
Name CAR LOANS
Court No. 555-999-0000
Liab
Asset
Filed By
CCYY/MM/DD
MORTGAGE
WORLD
00-555-0987
CCYY/MM/DD
IND
MIN
OF ATTORNEY
472VF00022
28000
Subject
Date
Member
No/CityGEN
Province and
Description 280
Case
No/Trustee:
22855 MORRIS ETAL
06/02/2002
INTLUSA
401BB17978
TD/GM/VISA
Collection
Total
Number of Inquiries:
Disposition:
Discharged, CCYY/MM
Description:
Bankrupt
absolute discharge
Rptd
Type
Amt
DLA
Bal
Reason
Ledger Number
CANADA
COLLECTION
481YC00036
Employment
Information
Information
obtained
from
Public
Date
MemberSources
No/City
CCYY/MM
Unpaid
2500
CCYY/MM
2212
Unknown
1111111
06/02/2002
INTLUSA
401BB17978
TD/GM/VISA
Current Date:
Employer:
TESTS MECHANIC
SHOP legally declared to be unable to pay debt (date filed, type
Collection
Verified
CCYY/MM
Bankruptcies/Bankruptcy
Category:
A person
Since,Left, Position, Salary: 55555 ABC
OWNER,
Acct/Creditor:
RETAIL INC
Type
Amt
DLA
Bal
Reason
Ledger
Number
ofRptd
action,
[IND
for
personal;
BUS
for
business],
court
name,
court
code,
liability
assets,
filer
[subject,
Former Employer:
ABC MECHANICS
Description:
Subject disputes
this account
CANADA
COLLECTION
481YC00036
Employment
Information
Since, Left,
Position,
Salary:
AUTO
MECHANIC
Information
obtained
from
Public
Sources
spouse
or
both],
case
number,
trustee,
disposition
and
description
of
the
bankruptcy).
Segment
may
CCYY/MM
Unpaid
2500
CCYY/MM
2212
Unknown
1111111
THE CAR SHOP
Current Date:
Employer:
TESTS MECHANIC
SHOP legally
Verified
CCYY/MM
Bankruptcies/Bankruptcy
Category:
A
person
unable
to payCounselling.
debt (date filed, type
contain
non-bankruptcy
information
including
orderlydeclared
paymenttoofbe
debt
or Credit
City, Province:
TORONTO, ON
Since,Left, Position, Salary: 55555 ABC
OWNER,
Acct/Creditor:
RETAIL
INC
Since,
Left,[IND
Position, Salary:
CCYY/MM,
CCYY/MM, Mechanic
1900 court code, liability assets, filer [subject,
ofDescription:
action,
BUS
foraccount
business],
court JR,
name,
Former
Employer: for personal;
ABC
MECHANICS
Subject disputes
this
Verified Status:
CCYY/MM
Since, Left,
Position,
Salary:
AUTO
MECHANIC
spouse
or
both],
case
number,
trustee,
disposition
and
description
of the bankruptcy). Segment may
THE CAR SHOP
contain
non-bankruptcy information
including orderly payment of debt or Credit Counselling.
City, Province:
TORONTO, ON
Public
Records/Other
Information
Verified
CCYY/MMOR BANKRUPTCY
INFORMATION
Inquiries
MEMBER INQUIRIES
Date
CCYY/MM/DD
CCYY/MM/DD
CCYY/MM/DD
CCYY/MM/DD
Member Name
ABC BANK
RETAIL WORLD
CANADA CAR LOANS
MORTGAGE WORLD
Telephone
222-555-3333
555-555-1234
555-999-0000
00-555-0987
S Date
A M P L E C R E D I T R E Member
PORT
No/City
06/02/2002
TD/GM/VISA
INTLUSA 401BB17978
Inquiries
Current Employer:
TESTS MECHANIC SHOP
Since,Left,
Salary:
OWNER,
Subject
showsPosition,
3 inquiries
since CCYY/MM/DD
Former Employer:
ABC MECHANICS
Since, Left,
Position, Salary:
AUTO MECHANIC
MEMBER
INQUIRIES
THE CAR SHOP
City, Province:
TORONTO,
Date
Member
NameON
Telephone
CCYY/MM,
1900
CCYY/MM/DD
ABC
BANK CCYY/MM, Mechanic JR,
222-555-3333
Verified Status:
CCYY/MM
CCYY/MM/DD
RETAIL
WORLD
555-555-1234
CCYY/MM/DD
CCYY/MM/DD
CANADA CAR LOANS
MORTGAGE WORLD
555-999-0000
00-555-0987
Total
INFORMATION
FROM THE SUPERINTENDENT OR BANKRUPTCY
Filed
Type
Court Name
Court No.
Liab
Date
Member
No/City GEN
Province and28000
Description
CCYY/MM/DD
IND
MIN
OF ATTORNEY
472VF00022
06/02/2002
TD/GM/VISA
Case No/Trustee:
22855 MORRISINTLUSA
ETAL 401BB17978
Disposition:
Discharged, CCYY/MM
Description:
Asset
280
Filed By
Subject
Current Employer:
Collection
Former
Rptd Employer:
Since,
Left, Position,
Salary:
CANADA
COLLECTION
2nd
Former Employer:
CCYY/MM
City,
Province:
Verified
Date:
Since,
Left, Position, Salary:
Acct/Creditor:
Verified
Status:
Description:
Type
TESTS MECHANIC SHOP
OWNER,
ABC MECHANICS
Amt
DLA
AUTO MECHANIC
481YC00036
Unpaid THE CAR SHOP
2500
CCYY/MM
TORONTO, ON
CCYY/MM
CCYY/MM,
55555 ABC
RETAIL INC
SubjectCCYY/MM
disputes this account
Bal
Reason
2212
Unknown
Ledger Number
1111111
Filed
CCYY/MM/DD
Case No/Trustee:
Disposition:
Description:
Type
Court Name
IND
MIN OF ATTORNEY GEN
22855 MORRIS ETAL
Discharged, CCYY/MM
Court No.
472VF00022
Liab
28000
Asset
280
Filed By
Subject
7
Collection
Rptd
CANADA COLLECTION
CCYY/MM
Verified Date:
Acct/Creditor:
Description:
Type
Amt
481YC00036
Unpaid
2500
CCYY/MM
DLA
Bal
Reason
CCYY/MM
2212
Unknown
Ledger Number
1111111
[27]
[28]
[27]
[28]
7
Filed
Type
Court Name
Court No.
472VF00022
7
Case No/Trustee:
22855 MORRIS ETAL
Disposition:
Discharged, CCYY/MM
Description:
Filed
Type
Court Name
Court No.
CCYY/MM/DD
IND
MIN OF ATTORNEY GEN
472VF00022
7
Case
No/Trustee:
22855
MORRIS
ETAL
[29] Collection
Disposition:
Discharged, CCYY/MM
Description:
Bankrupt
absolute
discharge
Rptd
Type
Amt
DLA
CANADA COLLECTION
481YC00036
CCYY/MM
Unpaid
2500
CCYY/MM
[29] Collection
Verified Date:
CCYY/MM
Acct/Creditor:
Rptd
Type
Amt
DLA
Description:
CANADA COLLECTION
481YC00036
CCYY/MM
Unpaid
2500
CCYY/MM
Verified Date:
CCYY/MM
Acct/Creditor:
Description:
Collection
COLLECTION
Public
Records/Other
CCYY/MM/DD
IND Information
MIN OF ATTORNEY GEN
Collection
Inquiries
MEMBER INQUIRIES
Date
CCYY/MM/DD
CCYY/MM/DD
CCYY/MM/DD
CCYY/MM/DD
Member Name
ABC BANK
RETAIL WORLD
CANADA CAR LOANS
MORTGAGE WORLD
Telephone
222-555-3333
555-555-1234
555-999-0000
00-555-0987
S Date
A M P L E C R E D I T R E Member
PORT
No/City
06/02/2002
TD/GM/VISA
INTLUSA 401BB17978
Inquiries
Current Employer:
TESTS MECHANIC SHOP
Since,Left,
Salary:
OWNER,
Subject
showsPosition,
3 inquiries
since CCYY/MM/DD
Former Employer:
ABC MECHANICS
Since, Left,
Position, Salary:
AUTO MECHANIC
MEMBER
INQUIRIES
THE CAR SHOP
City, Province:
TORONTO,
Date
Member
NameON
Telephone
CCYY/MM,
1900
CCYY/MM/DD
ABC
BANK CCYY/MM, Mechanic JR,
222-555-3333
Verified Status:
CCYY/MM
CCYY/MM/DD
RETAIL
WORLD
555-555-1234
CCYY/MM/DD
CCYY/MM/DD
CANADA CAR LOANS
MORTGAGE WORLD
555-999-0000
00-555-0987
Total
INFORMATION
FROM THE SUPERINTENDENT OR BANKRUPTCY
Filed
Type
Court Name
Court No.
Liab
Date
Member
No/City GEN
Province and28000
Description
CCYY/MM/DD
IND
MIN
OF ATTORNEY
472VF00022
06/02/2002
TD/GM/VISA
Case No/Trustee:
22855 MORRISINTLUSA
ETAL 401BB17978
Disposition:
Discharged, CCYY/MM
Description:
Asset
280
Filed By
Subject
Current Employer:
Collection
Former
Rptd Employer:
Since,
Left, Position,
Salary:
CANADA
COLLECTION
2nd
Former Employer:
CCYY/MM
City,
Province:
Verified
Date:
Since,
Left, Position, Salary:
Acct/Creditor:
Verified
Status:
Description:
TESTS MECHANIC SHOP
OWNER,
Type ABC MECHANICS
Amt
DLA
AUTO MECHANIC
481YC00036
Unpaid THE CAR SHOP
2500
CCYY/MM
TORONTO, ON
CCYY/MM
CCYY/MM,
55555 ABC
RETAIL INC
SubjectCCYY/MM
disputes this account
Bal
Reason
2212
Unknown
Ledger Number
1111111
Filed
CCYY/MM/DD
Case No/Trustee:
Disposition:
Description:
Type
Court Name
IND
MIN OF ATTORNEY GEN
22855 MORRIS ETAL
Discharged, CCYY/MM
Court No.
472VF00022
Rptd
CANADA COLLECTION
CCYY/MM
Verified Date:
Acct/Creditor:
Description:
Liab
28000
Asset
280
Filed By
Subject
7
Collection
Type
Amt
481YC00036
Unpaid
2500
CCYY/MM
DLA
Bal
Reason
CCYY/MM
2212
Unknown
7
[29]
Ledger Number
1111111
[29]
Liab
28000
Asset
280
Filed By
Subject
Liab
28000
Asset
280
Filed By
Subject
Bal
Reason
2212
Unknown
Bal
Reason
2212
Unknown
Ledger Number
1111111
Ledger Number
1111111
Third Party Collections: A debt which a creditor is unable to collect, transfers to a third party (name of
collection agency, collection agency member number, reported date, type of collection [UP CL unpaid
collection or PD: paid collection], original date amount, date of last activity with credit grantor, balance as
Third
Party
Collections:
debt which
a creditor
unable
to collect,
to a third
party
(name of
of date
reported,
reason,Aledger
number,
verifiedisdate,
Credit
grantortransfers
and account
number,
description).
collection
agency, collection
agency
number,
reported date, type of collection [UP CL unpaid
Includes collections
related to
Familymember
Responsibility.
7
collection or PD: paid collection], original date amount, date of last activity with credit grantor, balance as
of date reported, reason, ledger number, verified date, Credit grantor and account number, description).
Includes collections related to Family Responsibility.
7
17
17
TRADE INFORMATION
Trade Information
[30]
Trade Information
MEMBER TRADES
Bus/ID Code
Credit Limit
WRTN OFF/AMT
MEM# ID
DT Rptd
High Credit
ACT PMT/AMT
PREV/MEM# ID
DT Opnd
Balance
DT Closed
CANADA BANK (555) 999-9999
481BB00000
*J 007BB01351
CCYY/MM
CCYY/MM
28000
24000
4000
Account Number:
8452675
Description:
Trade Payment Profile: 111111111 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
DLA 02/03/04+
MT+Amt
FRST/DELQ
TR RT
Past Due
CCYY/MM
550
21
0
BB
CCYY/MM
CCYY/MM
M1
325000
212000
1250
Description:
Credit Utilization:
22%
30800
MEMBER TRADES
Bus/ID Code
Credit Limit
WRTN OFF/AMT
MEM# ID
R1
0
6755
Rptd, Purge:
Declaration:
Trade Information
CCYY/MM, CCYY/MM
**WARNING**
DT Rptd
High Credit
ACT PMT/AMT
PREV/MEM# ID
DT Opnd
Balance
DT Closed
CANADA BANK (555) 999-9999
481BB00000
*J 007BB01351
CCYY/MM
CCYY/MM
28000
24000
4000
Account Number:
8452675
Description:
Trade Payment Profile: 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
END OF REPORT
8
BB
CCYY/MM
325000
Description:
[31] Credit Utilization:
DLA 02/03/04+
MT+Amt
FRST/DELQ
TR RT
Past Due
CCYY/MM
550
21
0
CCYY/MM
M1
212000
1250
1111111111111111111111111111111111111
22%
30800
R1
0
6755
[30]
[31]
Rptd, Purge:
Declaration:
CCYY/MM, CCYY/MM
**WARNING**
TRUE NAME FRAUD/FRAUDULENT
Bus/ID Code: CompanyCONFIRMED
name/telephone/member
number.CREDIT APPLICATIONS HAVE BEEN SUBMITTED
DT RPTD: Date item was
reported
Equifax.
THE
CUSTOMERto
THAT
IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000) 555-1234
DT OPND: Date account was opened with the credit grantor.
DLA: Date of last activity on the account by the consumer.
02/03/04+: The number of times the account has been 2/3/4 terms in arrears.
TR: Number of times the credit grantor has reported an account update.
RT: Number of account and manner of repayment: (see Trade Information Descriptions) and Manner of
Payment for detailed rating descriptions).
Credit Limit: Maximum credit amount assigned to the credit product.
High Credit: Highest amount ever owed on the product.
Balance: Amount owed at time of reporting.
PMT AMT: Payment Terms.
Past Due: Past due amount as of date reported.
WRTN OFF/AMT: Actual amount written off by the credit grantor.
END OF REPORT
ACT PMT/AMT: Actual last payment amount by the consumer.
DT Closed: Date of closure of account.
FRST/DELQ: Date of first payment delinquency by the consumer.
MEM# ID: Equifax Member number.
PREV/MEM# ID: Previous Equifax Member number.
Prev High Rates: Relates to the 2/3/4 terms past due segment: provides ratings and dates of the 3 most
recent delinquencies.
8
Description: Provides additional information about the account.
Trade Payment Profile: Numeric summary of up to 36 months of previous ratings.
Read left to right: Recent rating to historical ratings.
Mortgage Trade Line: Industry code is displayed (example: BB): mortgage issuer name/date opened are masked
Provides the percentage of all available credit that is currently utilized by the consumer as of report date (current
balances owed divided by credit limits). The total of all open credit limit amounts and all open account balances
are also displayed.
18
MEMBER TRADES
Bus/ID Code
Credit Limit
WRTN OFF/AMT
MEM# ID
DT Rptd
High Credit
ACT PMT/AMT
PREV/MEM# ID
DT Opnd
Balance
DT Closed
CANADA BANK (555) 999-9999
481BB00000
*J 007BB01351
CCYY/MM
CCYY/MM
28000
24000
4000
Account Number:
8452675
Description:
Trade Payment Profile: 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
DLA 02/03/04+
MT+Amt
FRST/DELQ
TR RT
Past Due
CCYY/MM
550
21
0
CONSUMER STATEMENT
BB
CCYY/MM
325000
Description:
CCYY/MM
M1
212000
1250
1111111111111111111111111111111111111
Consumer
Statement
Credit Utilization:
22%
[32]
MEMBER TRADES
DT Rptd
High Credit
ACT PMT/AMT
PREV/MEM# ID
DT Opnd
Balance
DT Closed
CANADA BANK (555) 999-9999
481BB00000
*J 007BB01351
CCYY/MM
CCYY/MM
28000
24000
4000
Account Number:
8452675
Description:
Trade Payment Profile: 1111111111 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
DLA 02/03/04+
MT+Amt
FRST/DELQ
TR RT
Past Due
CCYY/MM
550
21
0
BB
CCYY/MM
CCYY/MM
M1
325000
212000
1250
Description:
Credit Utilization:
22%
30800
0
6755
Rptd, Purge:
Declaration:
Trade Information
Bus/ID Code
Credit Limit
WRTN OFF/AMT
MEM# ID
30800
R1
R1
0
6755
CCYY/MM, CCYY/MM
**WARNING**
Rptd, Purge:
Declaration:
CCYY/MM, CCYY/MM
**WARNING**
END OF REPORT
[32]
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:
8
True Name Fraud: Consumer is a true victim on fraud Identity
Identity Verification Alert: Consumer has not been a victim of fraud
Cautionary alert added: (available to Ontario and Manitoba residents only)
Consumer Declaration: Statement provided by the consumer in order to explain items/information on file
END OF REPORT
8
19
2 03 –47 Colborne St | Toronto ON M5E 1P8
E [email protected] | W rentcheck.ca
F 1.800.871.3380 or 416.365.1987 | T 1.800.661.7312 x222
RC040 04–14 | © PRINTED IN CANADA

user guide - RentCheck

Transcription

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