user guide - RentCheck

Transcription

USER
GUIDE
A Step-by-Step Member’s Guide
HOW TO INTERPRET
to Obtaining Online Rental History
A TENANCY
and Credit HISTORY
Reports onREPORT
Your
AND
TRANSUNION
Tenancy
ApplicantsCREDIT REPORT
TABLE OF CONTENTS
Sample Report
3
Report Options Selected by the User
9
Input Provided by the User
9
Recommendation
10
Tenancy History
Identification
10
Residences
11
Rent File Summary
11
Tenancy History
12
Legal Items
12
Rent Inquiries
13
Sample Credit Report Explanation
Financial History
(TransUnion) Identification
14
Credit File Summary
14
Credit Utilization and Trade Balance 15
Employment
15
File Summary
16
Special Messages
16
Bureau Scores
17
Banking
17
Trades and Mortgages
18
Registered Items
19
Bankruptcy and/or
Consumer Proposal
Legal Items
Collection Information
Inquiries
20
Remarks
20
19
19
20
TransUnion
Credit Report Codes
High Risk Fraud Alert Interpretation 22
21
How to Interpret a Tenancy History Report and TransUnion 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
737
SCOREVista:
737
Type
score
descripTion
PO
RentScore: 780
ERS: 687
RENT SCORE: 780 ERS – 687
N
ScOREVista:
CY
Approve
APPROVE
RE
Recommendation (Learn more about ScoReVista)
RT
CoDy TESTHaRVEy
33 ToRonTo n ST, UXBRIDGE, on l6P 1E6
97 TEnTH STREET, ToRonTo, on M8V 3E9
05aUG1933
y, y, n, n
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
Tenancy grantors may wish to review the credit and 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
700 – 729
585 - 669
Decline
501 - 584
HIGH RISK
VERY HIGH
RISK
N
and references. Tenancy applicants in this category have exhibited good
Tenancy grantors typically view tenancy applicants in this category at 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
670 – 699
SA
MODERATE
RISK
M
Pre-Decline
be viewed as a very low risk tenancy by most tenancy grantors.
TE
LOW RISK
730 – 990
PL
APPROVED
E
SCORE
A
Approve
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
mayaccommodation
require additional
security
such
as a co-signor
guarantor
in order
to and a
extend
but require
higher
deposits
on accountorwhere
legislation
permits
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 TENANCY REPORT
SAMPLE
TENANCY HISTORY REPORT
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)
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.
O – Open Account (payment in full)
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 HISTORY REPORT
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
Primary
Alias
Surname
TESTHARVEY
HARVEYS
On File
01Jun04
Last Inq
22Sep10
Given Names
CODY
COD
Social Ins. No.
000000000
Birth
05Aug33
Telephone
4162275392
Credit File Summary
0.57%
PL
E
CR
Trade Balance: From Jun04 to May08
O Open
R Revolving
I Installments
M Mortgage
ON
ON
ON
Occupation
CASHIER
WELDER
WELDER
City
TORONTO
TORONTO
TORONTO
Prov
ON
ON
ON
Residence(s)
SA
M
Employers Name and Address
HENRY’S HOT DOGS
NATIONAL STEEL CAR
SUREARC WELDING
Street
123 MAIN STREET 101
456 BACK STREET
789 FRONT STREET
Pass
Fail
Conditional
RE
ED
IT
Dec08
Sep10
Credit Utilization
Employment
Result
41840
240
70
718
12
0
11
0
0
0
4
98
0
0
PO
Date
RT
Category
High Credit Total
Current Balance Total
Past Due Total
Payment
Total Number of Account
Negative
Paid
Total Number of Registered Items
Bankruptcy
Legal
Collections
Inquiries
Inquiries in the last 6 months
Collection
HC: 41840
Bal: 240
0
240
0
0
Since
Jul1998
Jul2000
Sep2004
Postal
M1M 1M1
L1L 1L1
T1T 1T1
Since
Dec2006
Jul1994
Oct1990
File Summary
Legal= 1Jan2004
Bkrp= 1Dec2002
High= $9500
Baln= $2352
Trade= Jul1994/Feb2001
Coll= 2Dec2003
Pdue=$0
Balances
Insq= 3Jul2005
Paym=$310
Inst= $2352
6Mnth= 1
Acc= 3
Rev=$0
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
#Reg= 1
6
SAMPLE
saMPle CReDIT RePoRT
CREDIT REPORT
Messages
ID Mismatch Alert
High Risk Fraud Alert
applicant’s SIN is Invalid
#Hk# Consumer fraud Warnings on file
Bureau Scores
TransUnion RiskScore
FICO® Revenue Score
687 **aleRT**
007 *aleRT**
64 lack of recent revolving account information
53 lack of recent consumer finance account information
68 Monthly payment due on accounts
57 Time since most recent retail account established
657 **aleRT**
38 serious delinquency, and public record or collection filed
18 number of accounts with delinquency
16 lack of recent revolving account information
40 Derogatory public record or collection filed
308
po
rt
FICO® Bankruptcy Score
FICO® Application Fraud Score
re
Banking
Open
Banking Information
Royal Bank of CanaDa, 9058162712
apr2006 CHeQUInG aCCoUnT 160 UnColleCTeD oVeRDRafT oR CHaRGes sTIll oWInG
it
Reptd
BR
apr2007
ed
Trade
Open
Last
H. Credit Balance
PastDue
CHase CaRD seRVICes, 800265365
apr1996
Jun2003
1000
0
0
InCl In BankRUPTCy
BB
aug2006
CIBC DealeR DIReCT loans, 8002657807
feb2001
Jun2005
7500
oC
Jul2003
GeMoney, 8006613861
Jul1994
Reptd
BB
aug2006
e
pl
m
Sa
Mortgages
cr
Reptd
DC
Jul2005
Jul2002
1000
3RD PaRTy Coll
0/M
Payment Pattern
30/60/90/#M
MOP
999999999543211111111111
1
1 11 110
R9
1111111111111XXXXX111111
0 0 0 72
I1
999995432111111111111111
1 1 7 84
o9
Terms
2352
0
310/M
0
0
0/M
Open
Last
H. Credit
Balance
PastDue
Terms
0000000
aug2006
70000 30000
MoRTGaGe
0
200/M
Payment Pattern
30/60/90/#M
432111111111
1 1 1
MOP
M4
7
saMPle CReDIT RePoRT
SAMPLE
CREDIT REPORT
Registered Items
Reptd
ZZ
Jan2000
Open
alTeRna Bank
Jan2000
Mature
Amount
Security
Dec2003
15000
a
e
Bankruptcy and Insolvency
Trustee
BURT HoWe
HoWe & assoCIaTes
sMC HaM
Assets
500
DIsCHaRGe JoInT
15456
Reptd
Jan2004
Plaintiff's Name
aBC
HaMIlTon sMall ClaIMs CoURT
JUDGe 13465
Rsvd
Jun2005
Reptd
Dec2003
Agency/Creditor's Name
aRTIC seRVICes/CaBle CoMPany
sep2004
Jul2003
aIC/Gas Co
rt
Reptd
01Dec2002
Rsvd
sep2004
re
Legal Items
Balance
0
01Jul2004
Amount
404
sTIll oWInG
577
PaID sep2004
Balance
404
0
pl
e
Credit Grantor
ya allIeD InTeRnaTIonal CReDIT, 8884788181
BB CIBC/PResIDenTs CHoICe
DC ZelleRs, 8002632599
m
Date
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
Amount
1500
saTIsfIeD
Information
#Hk# ConfIRMeD fRaUD VICTIM; BefoRe eXTenDInG CReDIT VeRIfy all
#Hk# aPPlICanT InfoRMaTIon. ConTaCT ConsUMeR foR VeRIfICaTIon aT
#Hk# HoMe: (416) 5555-1212 DaTeD 07/2005 VICTIMe ConfIRMe De fRaUD
#Hk# ne Pas aCCoRDeR De CReDIT sans VeRIfIeR ToUTes les InfoRMaTIon
#Hk# DU PosTUlanT De PlUs CoMMUnIQUeR aVeC le ConsoMMaTeUR DIReCTeMenT
#Hk# a DoMICIle PoUR VeRIfICaTIon aU: (416) 555-1212 DaTe 07/2005
Sa
Remarks
Liab
75520
01Jun2003
cr
Inquiries
ed
it
collection
Date
25Jul2005
01May2002
25nov1999
po
Rsvd
Jul2005
This completes the file for CODY TESTHARVEY
THIs RePoRT Is PRIVaTe anD ConfIDenTIal. ReleasInG CoPIes To anyone InClUDInG THe aPPlICanT Is a VIolaTIon of yoUR
MeMBeRsHIP aGReeMenT WITH RenTCHeCk as Well as ConsUMeR RePoRTInG aGenCy leGIslaTIon. THe aPPlICanT Can oBTaIn a CoPy
of THeIR oWn CReDIT fIle By ConTaCTInG THe CReDIT BUReaU soURCe aT THe folloWInG nUMBeRs: TRansUnIon 1.800.663.9980 anD/
oR eQUIfaX 1.800.465.7166 anD/oR RenTCHeCk 1.800.661.7312 eXT 221. for support please email us at [email protected] with your Member ID
8
SAMPLE
TENANCY HISTORY REPORT EXPLANATION
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, TU
RC, TU
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
File Requested by:
Recommendation (Learn more about SCOREVista)
APPROVE
SCOREVista:
TYPE
737
SCORE
RC, TU [1]
RC, TU [2]
12/14/2012 2:20:54 [3]
RentScore: 780
ERS: 687
DESCRIPTION
Approve
730 - 990
tenancy grantors.
Pre-Approve
700 - 729
Tenancy applicants in this category have exhibited good tenancy and/or credit management.
Conditional
670 - 699
order to approve tenancy applicants.
Pre-Decline
585 - 669
tenancy grantors still make accommodation available, they will likely require a co-signor and
Decline
501 - 584
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 may monitor
[1]
[2]
[3]
3
Member ID:
1000
lists
the report options25onBANK
theSTREET,
sample
creditON
report
(example; TU = TransUnion, RC = RentCheck).
Address:
TORONTO,
M6K 1R4
lists the report types delivered.
The
date and time the report(s) were generated.
Subject's Name:
CODY TESTHARVEY
Current Address:
Previous Address:
05AUG1933
Fraud
Scoring,
BNI,
RIR
Y, Y,
SAMPLE TENAN
CN,YN R E P O R T
APPROVE
T: 1 (800) 661-7312
Input Provided
by737
the User
SCOREVista:
TYPE
T: 1 (800) 661-7312
F: 1 (800) 871-3380
Data Source
Delivered:
Date
RC, TU
RC, TU
12/14/2012 2:20:54
File Requested by:
1000
Subject's Name:
Current Address:
Previous Address:
CODY TESTHARVEY
05AUG1933
Y, Y, N, N
APPROVE
TYPE
737
SCORE
Approve
730 - 990
RentScore: 780
ERS: 687
DESCRIPTION
tenancy grantors.
Pre-Approve
700 - 729
Conditional
670 - 699
Pre-Decline
585 - 669
Decline
501 - 584
RC, TU
RC, TU
687
12/14/2012ERS:
2:20:54
DESCRIPTION
Application
Conditional Information
670 - 699 Submitted:
[7] Subject's Name:
CODY TESTHARVEY
order to
tenancyON
applicants.
[8] Current Address:
33 TORONTO
N approve
ST, UXBRIDGE,
L6P 1E6
[9] Previous Address:
Pre-Decline
585
669
Tenancy
grantors
typically
view
tenancy applicants in this category at higher risk. While many
05AUG1933
[10] Date of Birth, SIN/SSN:
Y, Y, N, Ntenancy grantors still make accommodation available, they will likely require a co-signor and
[11] Fraud Scoring, BNI, RIR
SCOREVista:
Data Source
Delivered:
RentScore: 780
Date
[4] File
Requested 730
by: - 990
Approve
[5] Member ID:
1000 tenancy grantors.
[6] Address:
Pre-Approve
700 - 729
Member ID:
Address:
SCORE
F: 1 (800) 871-3380
Decline
3
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
501 - 584
accommodation
to this group which may not have sufficient history or no file at all. Others may
Recommendation (Learn more
about SCOREVista)
lists the name of the Requestor
or other
reference
information.
Thiswith
information
willmayalso
show on your
co-signor
to compensate
for the increase
risk associated
this category and
monitor
APPROVE
accounts
more closely.
monthly
RentCheck Invoice; these
if your
method
of payment is by cheque.
SCOREVista:
737
ERS: 687
Identifies
the Member
ID of the account used to perform the report. RentScore: 780
TYPE
SCORE listed on
DESCRIPTION
Identifies
the address
the account for the Member ID in part [5].
name
of the subject
searched.
Approve
730 - 990
tenancy grantors.
address of the subject searched.
Previous
address
of- 729
the subject.
Pre-Approve
700
Date
of the Birth670
and
social Insurance
no. (sIn/ssn) of the subject searched (sIn is optional).
Conditional
- 699
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.
Pre-Decline
585 - 669
tenancy grantors
still make accommodation
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
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:
S Member
A M PID:
L E T E N A N 1000
CY REPORT
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
SAMPLE
Address:
Subject's Name:
Current Address:
Previous Address:
CODY TESTHARVEY
T: 1 (800) 661-7312
97 TENTH STREET, TORONTO, ON
F: 1 M8V
(800)3E9
871-3380
05AUG1933
Y, Y, N, N
Data Source
Delivered:
Date
RC, EQ
RC, EQ
12/14/2012 2:20:54
S A M P L E T E N ARecommendation
N C YFile
RRequested
E P Oby:R T 1000
E X P L A N AT I O N
Member ID:
Recommendation
Address:
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:
Address:
Subject's Name:
Current Address:
Previous Address:
CODY TESTHARVEY
05AUG1933
Y, Y, N, N
APPROVE
SCOREVista:
737
TYPE
RentScore: 780
SCORE
[12]Application Information Submitted:
Subject's
Name:
SCOREVista:
Address:
[13]Current
SCOREVista:
Previous
TYPEAddress:
1000
ERS: 687
730 - 990
tenancy grantors.
Pre-Approve
700 - 729
Conditional
Recommendation
670 - 699
S APre-Decline
M P L E T E 585
N A- 669
N C Y RTenancy
E P Ograntors
R T typically view tenancy applicants in this category at higher risk. While many
Decline
T: 1 (800) 661-7312
Data Source
RC, TU
extend accommodation but require higher depositsDelivered:
on account where legislation permits
and a
RC, TU
co-signor to compensate
the increase
risk associated
and may2:20:54
monitor
F:for
1 (800)
871-3380
Date with this category
12/14/2012
501 - 584
File Requested by:
Member ID:
Address:
1000
CODY TESTHARVEY
05AUG1033
Y, Y, N, N
3
APPROVE
SCOREVista:
TYPE
737
SCORE
Approve
730 - 990
RentScore: 780
RiskScore: 687
DESCRIPTION
tenancy grantors.
Pre-Approve
700 - 729
Conditional
670 - 699
Pre-Decline
585 - 669
Decline
501 - 584
3
737
730 – 990
Recommendation
(Learn
more about SCOREVista)
APPROVED
order
to approve
applicants.
Subject
is a LOWtenancy
RISK. Contact
the subject after you verify their information and
737
780 tenancy management
ERS: 687
[13] SCOREVista:
references. Tenancy applicants in this category haveRentScore:
exhibited good
LOW
RISK
Pre-Decline
585700
- 669– 729 Tenancy
grantors
typically
view
tenancy applicants in this category at higher risk. While many
and
viewed
as
a
low
risk
tenancy.
TYPE
SCORE
DESCRIPTION
Approve
730 - 990
Subject
is a MODERATE RISK. Tenancy grantors may wish to review the credit and tenancy
tenancy
grantors.
Decline
501 - 584
history of tenancy applicants in this category in more depth and may require additional
MODERATE700 - 729
Pre-Approve
Tenancy
applicants
category
exhibited
good to
tenancy and/or
creditapplicants.
management.
security
such asinathis
co-signor
orhave
guarantor
in order
tenancy
Viewed
670 – 699 extend
accommodation
but require
higher deposits
on approve
account where
legislation permits
and a
RISK
as a medium
risk tenancy.
co-signor
to compensate
the increase
risk
associated
with this
categoryapplicant
and mayinmonitor
Conditional
670 - 699
Tenancy
grantors
may wish tofor
review
the credit
and
tenancy history
of tenancy
this
these
accounts
more
closely.
Subject is a HIGH RISK. Tenancy grantors typically view tenancy applicants in this category
as high-risk
many tenancy
grantors
makeataccommodation
Pre-Decline
585 - 669
Tenancy
grantorstenancy.
typicallyWhile
view tenancy
applicants
in this still
category
higher risk. Whileavailable,
many
they grantors
will likelystill
require
co-signor and increased
security
deposits
(where
applicable
585 – 669 tenancy
make aaccommodation
available, they
will likely
require
a co-signor
and by
HIGH RISK
law) tosecurity
compensate
fortohigher
defaultfor
rates
in this
category.
increased
deposits
compensate
higher
default
rates in this category.
[12]
Subject's Name:
Current Address:
Previous Address:
(When declined by a tenancy grantor an Adverse Notice is provided which
explains where the applicant can get help.)
737 CODY TESTHARVEY
RentScore: 780
ERS: 687
Rent score: 780 ERS – 687
STREET, TORONTO, ON M8V 3E9
SCORE97 TENTH DESCRIPTION
05AUG1933
TYPE
DESCRIPTION
Fraud
Scoring, BNI, RIR730SCORE
Y, Y, N, N Tenancy applicants in this category are
Approve
- 990
likely to be viewed as a very low tenancy risk by most
tenancy grantors.
Subject is a VERY LOW RISK. Tenancy applicants in this category are likely to be viewed
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.
DESCRIPTION
Approve
(Learn
more
about
SCOREVista)
25 BANK
STREET,
TORONTO,
ON M6K 1R4
APPROVE
APPROVE
Conditional
670 - 699
APPROVE
Decline
accommodation
to thisHIGH
groupRISK.
whichTenancy
may not grantors
have sufficient
history
or this
no file
all. Others
may
Subject is a VERY
generally
view
as at
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
501 – 584 these accounts more closely.
501 - 584
VERY HIGH
RISK
higher deposits on account where legislation permits and a co-signor to compensate for the
increase risk associated with this category and may monitor these accounts more closely.
3
Thisisisa arecommendation
recommendationonly
only
after
reviewing
factors
relating
to this
subject.
This
after
reviewing
allall
factors
relating
to this
subject.
[12]
A recommendation categorized into five types of decisions you can make: Approve, Pre-Approve,
[12]
AConditional,
recommendation
categorized
into five types of decisions you can make: Approve, Pre-Approve,
Pre-Decline,
and Decline.
Pre-Decline,
Decline.
[13] Conditional,
The SCOREVista
737 is and
a recommendation
only and takes in consideration the Credit Scores and
[13]
The
SCOREVista
737 isReport,
a recommendation
only factors
and takes
in consideration
Credit Scores and
Rentcheck's
Tenancy
as well as other
in the
Rent Bureau the
Reports.
Rentcheck's Tenancy Report, as well as other factors in the Rent Bureau Reports.
Credit Scoring Option must be included in your
3 report package to receive SCOREVista. To add
SCOREVista,
please email
to included
[email protected]
or visittowww.rentcheckcorp.com/scorevista
Credit
Scoring Option
must be
in your report package
receive SCOREVista. To 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.
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
Rental History [14]
- Identification
Surname
[15] Given Name(s)
TESTHARVEY
TESTHARVEY
Rptd
Jan09
33 TORONTO ST
Aug10
YONGE PO BOX 45047
SA
M P L E T E400-55
NAN
CY REPORT
Nov09
STANDISH CRT
City
TOR
MISSISSAUGA
UXBRIDGE
Pr/St
ON
ON
ON
Post/Zip
M4P 3E3
L5R 4J4
L6P 1E8
Ys
Category
Legal
Inquiries
Balance
Identification
(subject 1)
Damages
Surname
Collections
TESTHARVEY
Approved
TESTHARVEY
Declined
OnDeclined
File
Last Inq
with reasons
22Feb05
Debtor search 15Mar11
Cancelled
Date
Result
Pass
1
167
$1,900.00
$0.00
$0.00 Social Ins. No.
32 000000000
30
3
0 Tel Day
4
9
Given Name(s)
CODY
CODY
Rental History
(subject
1)top)
Rptd
Street
(recent on
City
Pr/St
YONGE PO BOX 45047
TOR
ON
Company Name
400-55 STANDISH CRT
MISSISSAUGA
ON
MoveIn
MoveOut
Bal
Terms
33 TORONTO ST
UXBRIDGE
ON
RAAMCO INTERNATIONAL PROPERTIES LTD C/O GATEWAY
$0.00
Fail
Conditional
Tel Evg
Post/Zip
M4P 3E3
Payment Pattern
L5R 4J4
30/60/90/
L6P 1E8
Aug10
Nov09
Reptd
Jan09
RA
Dec12
Ys
111111111111 111111111111
0 0 0
#M
Rt
24
01
Category
Date
Result
Pass
Fail
Conditional
RENT MOP (types of account/Manner of1 Payment)
Legal
Inquiries
O – Open Account (payment in167
full)
Balance
$1,900.00
Damages
$0.00
0 Too new to rate; just moved in, no history yet
5 Pays (or paid)
within 91 to 120 days but no action filed yet.
Collections
1 Pays (or paid) as agreed within 1-5 days.
6 Legal Action$0.00
commenced, termination notice or application filed.
Approved
32
2 Pays (or paid) in within 6 to 30 days.
7 Making regular payments under consent Order or mediated settlement.
30
8 Tenancy termination order or judgement issued, repossession.
Declined
3
9
0
Debtor search
4
Cancelled
9
Reptd
RA
Dec12
Company Name
MoveIn
MoveOut
Bal
Terms
$0.00 4
Payment Pattern
30/60/90/
#M
Rt
111111111111 111111111111
0 0 0
24
01
5 Pays (or paid) within 91 to 120 days but no action filed yet.
6 Legal Action commenced, termination notice or application filed.
9 In collection, bad debt, or write-off.
4
(subject 1)
[18]Identification
[19]
On File
Last Inq
[15] Given Name(s)
22Feb05 [14] Surname
15Mar11
TESTHARVEY
TESTHARVEY
Birth
05Aug33
[16] Social Ins. No.
000000000
CODY
CODY
Tel Day
[16] Social Ins. No.
000000000
CODY
CODY
[17] Birth
05Aug33
[20]
Tel Evg
[17] Birth
05Aug33
[14,15]
[19] DateTelofDay
last inquiry
on
name.
On Filethe full
Last Inq of the subject searched.
Tel subject's
Evg
[18] Lists
[19]name
[20]
Rptd
City
Pr/St
Post/Zip
Ys
22Feb05
15Mar11
[16]
SIN/SSN
of the
subject
searched.
[20]
Contact number(s)
Aug10
YONGE
PO BOX
45047
TOR
ON
M4P 3E3of the subject searched.
Nov09
STANDISH
CRT
MISSISSAUGA
ON
L5R 4J4
[17]
Date
of Birth of400-55
the subject
searched.
Jan09
33 TORONTO
ST
UXBRIDGE
ON
L6P 1E8
Residence
(subject
1)
[18]
Date of first credit inquiry.
Rptd
City
Pr/St
Post/Zip
Ys
Aug10
YONGE PO
BOX 45047
TOR
ON
M4P 3E3
Rent
(subject
1)
[14,15] Lists
theFile
full Summary
name
of the
subject
[19]
of last inquiry
on subject's name.
Nov09
400-55
CRT searched.
MISSISSAUGA
ONtheDate
L5R 4J4
Review the
filed date and
theSTANDISH
lastSTinquiry
whether
subject
isPass
active
in making payments,
Category
Datedate to ensure
Result
Conditional acquiring
Jan09
33
TORONTO
UXBRIDGE
ON
L6P 1E8 Fail
[16]
SIN/SSN
of the subject searched.
[20] Contact
number(s)
of the subject
searched.
Legal
1
credit and recent activity.
[17]
Date
of Birth of the subject searched.
Inquiries
167
Rent
File
Summary
(subject
1)
Balance
$1,900.00
[18]
Date
of first credit inquiry.
Damages
$0.00
Category
Collections
Legal
Date
Result
$0.00
1
Pass
Fail
Conditional
Approved
167 32 is active in making payments, acquiring
Review theInquiries
filed
date and the last inquiry date to ensure whether the subject
Balance
$1,900.00 30
credit and Damages
recent
Declinedactivity.
$0.00 3
Collections
$0.00 0
10
4
How to Interpret a Tenancy History Report32and
TransUnion Credit Report 10
Debtor search
Approved
Cancelled
Approved
with conditions
Declined
Rental
History (subject 1)
Debtor
search
Cancelled
Company Name
10
30
3
0
4
9
9
Payment Pattern
SAMPLE
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
Residences
On File
22Feb05
[21]
Surname
TESTHARVEY
TESTHARVEY
Given Name(s)
CODY
CODY
Last Inq
15Mar11
Social Ins. No.
000000000
Birth
05Aug33
Tel Day
Tel Evg
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
Last Inq
15Mar11
PON
BOX
S A M P L E TYONGE
ENA
C 45047
Y REPORT
400-55 STANDISH CRT
Rptd
Aug10
Nov09
Jan09
Given Name(s)
CODY
CODY
Ys
Social Ins. No.
000000000
Birth
05Aug33
Tel Day
Tel Evg
Rptd
Aug10
Nov09
Jan09
On File
22Feb05
Surname
TESTHARVEY
TESTHARVEY
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 search
Cancelled
Date
Result
1
167
$1,900.00
$0.00
$0.00
32
30
3
0
4
9
Pass
Fail
Conditional
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
[21]
4
Category
Date
Result
Pass
Fail
Legal
1
Inquiries
167
lists
the current and last known addresses for the subject
searched.
Balance
$1,900.00
Identification
(subject 1)
Damages
$0.00
Collections
$0.00
Surname
Given Name(s)
Social Ins. No.
Approved
32
If both
the name
and
address
do
not
match
the
results
shown
in the reports,
you
TESTHARVEY
CODY
000000000
30
TESTHARVEY
CODY
the
subject to ask for documentation to verify their current address.
Declined
3
0
On
File search
Last Inq
Tel Day
Debtor
4
22Feb05
15Mar11
Cancelled
9
Residence
(subject
1) 1)
Rental History
(subject
Rptd
Street
(recent
on top)
Company
Name
City
Pr/St
33 TORONTO
ST (416) 922-8129
PROPERTY
MAN
UXBRIDGE
$0.00
Aug10
YONGE PO BOX 45047
TOR
ON
Reptd
MoveIn
MoveOut
Bal
Terms
Rent File
Summary
Nov09
400-55 STANDISH
CRT
MISSISSAUGA
ON
RA
RAAMCO
INTERNATIONAL
PROPERTIES
LTD C/O GATEWAY
Jan09
Dec12
[22]
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
Legal
Inquiries
Balance
Damages
Collections
Approved
Declined
Debtor search
Cancelled
Date
Result
1
167
$1,900.00
$0.00
$0.00
32
30
3
0
4
9
Pass
Fail
Conditional
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
4
ON
Conditional
Birth
will 05Aug33
need to go back to
Post/Zip
Payment Pattern
30/60/90/ M4P 3E3
L5R 4J4
L6P 1E8
111111111111 111111111111
0 0 0
Tel Evg
Ys
#M
Rt
24
01
[23] Conditional
Category
Date
Result
Pass
Fail
O – Open Account (payment in full) 1
Legal
Inquiries
167
5 Pays (or paid)$1,900.00
within 91 to 120 days but no action filed yet.
Balance
6 Legal Action commenced,
Damages
$0.00 termination notice or application filed.
2
Pays
(or
paid)
in
within
6
to
30
days.
7
Making
regular
payments
Collections
$0.00 under consent Order or mediated settlement.
8 Tenancy termination order
Approved
32 or judgement issued, repossession.
30
Declined
3
0
Debtor search
4
Cancelled
9
Reptd
Company Name
MoveIn
MoveOut
Bal 4
Terms
Payment Pattern
30/60/90/
#M
Rt
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
the subject's past tenancy. Three categories (Pass,
of
$0.00 Fail, Conditional)
0 0 0are displayed with
24 the availability
01
the check boxes, which can be used to determine if the subject's tenancy history is acceptable for approval.
[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
11
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
SAMPLE
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
Category
Legal
Inquiries
Balance
Damages
Collections
Approved
Declined
Debtor search
Cancelled
Date
Result
1
167
$1,900.00
$0.00
$0.00
32
30
3
0
4
9
Rental History
[24] Reptd
Surname
TESTHARVEY
TESTHARVEY
Given Name(s)
CODY
CODY
Last Inq
15Mar11
Social Ins. No.
000000000
Birth
05Aug33
Tel Day
Tel Evg
RA
Dec12
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 search
Cancelled
Date
Result
1
167
$1,900.00
$0.00
$0.00
32
30
3
0
4
9
Pass
Fail
Conditional
Company Name
[28] Terms
[26] MoveOut
[27] Bal
$0.00
[25] MoveIn
Conditional
Company Name
MoveIn
MoveOut
Bal
Terms
$0.00
Payment Pattern
30/60/90/
#M
Rt
111111111111 111111111111
0 0 0
24
01
111111111111 111111111111
0 0 0
[30] #M
24
[31] Rt
01
[32] 0 Too new to rate; just moved in, no history yet
Payment Pattern
[29] 30/60/90/
Ratings
(Rt) Legend of Payment)
RENT MOP (types
of account/Manner
Reptd
RA
Dec12
Fail
On File
22Feb05
Pass
1
2
3
4
4
[24]
[25]
[26]
[27]
[28]
[29]
[30]
[31]
[32]
Pays (or paid) as agreed within 1-5 days.
5
6
7
8
9
Legal Action commenced, termination notice or application filed.
Making regular payments under consent Order or mediated settlement.
Tenancy termination order or judgement issued, repossession.
In collection, bad debt, or write-off.
Date item was reported to Rentcheck.
Date subject moved into landlord's unit.
Date subject moved out of the landlord's unit. 4
arrears owing as of date reported.
Rent payment ($ per period, m=monthly, B=bi-weekly, W=weekly).
The first line of payment pattern shows monthly ratings for 24 months; leftmost number = current
month. The second line shows the number of times subject has been 30, 60, or 90 days past due with
this account.
months Reviewed – the number of times or months the subject has been reported.
The first character is a letter – Rental accounts will always be type open (o); the rating number can be
matched to the rating legend; see [32].
The ratings legend explains the account type and ratings numbers for a period of 24 months.
This section reports rental history collected from members and reporting only members through various
methods. You can report delinquent tenants by emailing [email protected].
Legal Items
File No.
SOL-24256-88
Filed
Landlord Name/Phone
03Jul05
Arrears
$1,900,00
[33] File No.
[34] Filed
[35] Landlord Name/Phone
SOL-24256-88
03Jul05
[38] Grounds for Reporting: Non-Payment of Rent
Damages
$0.00
Date
15Mar11
24Nov10
24Nov10
05Oct10
Tenancy Grantor
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
[36] Arrears
$1,900,00
[37] Damages
$0.00
C = Conditions
Status Code
C(1)
C(2)
Description
Co-Signor
Guarantor approved
Date
15Mar11
Tenancy Grantor
LANDLORD 1
Telephone
(416) 344-2222
Status
Approved
MoveIn Date
01Apr11
24Nov10
05Oct10
LANDLORD 3
LANDLORD 4
(416) 566-7060
(416) 098-7654
Cancelled
This
section offersLANDLORD
information
on past court orders
reported
toconditions
the Rental
24Nov10
2
(416)
123-4657 by Landlords
Approved with
C(1) History
01Dec10Database.
5
[33]
[34]
[35]
[36]
[37]
[38]
01Dec10
case
FileCode
number
of legal
item.
Status
Description
For
Inquiries Section
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.
12
SAMPLE
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
File No.
Filed
Landlord Name/Phone
03Jul05
SOL-24256-88
Rent Inquiries
[39] Date
Filed
Landlord Name/Phone
03Jul05
Arrears
$1,900,00
Damages
$0.00
Tenancy Grantor
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)
[40]
15Mar11
24Nov10
24Nov10
05Oct10
Date
15Mar11
24Nov10
24Nov10
05Oct10
Damages
$0.00
File No.
SOL-24256-88
Arrears
$1,900,00
Description
Co-Signor
Guarantor approved
[41] Telephone
Tenancy Grantor
LANDLORD 1[26]
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
SAMPLE
CREDIT REPORT EXPLANATION
s a M P l e C R e D I T R e P o R T e X P l a n aT I o n
Financial History (TransUnion) – Identification
Identification
[46] Primary
Alias
[45] Surname
TESTHARVEY
HARVEYS
[49] On File
01Jun04
[50] Last Inq
22Sep10
Identification
Primary
Alias
Surname
TESTHARVEY
HARVEYS
On File
01Jun04
Last Inq
22Sep10
Given Names
CODY
CODY
Social Ins. No.
000000000
Birth
05Aug33
Telephone
4162275392
Credit File Summary
Category
High Credit Total
Past Due Total
Payment
Negative
Paid
Bankruptcy
Legal
Collections
Inquiries
Collection
Date
Credit Utilization
0.57%
Result
41840
240
70
718
12
0
11
0
0
0
4
98
0
0
Dec08
Sep10
Pass
HC: 41840
O Open
R Revolving
I Installments
M Mortgage
Fail
Conditional
0
240
0
0
ON
ON
ON
Occupation
CASHIER
WELDER
WELDER
City
TORONTO
TORONTO
TORONTO
Prov
ON
ON
ON
Postal
M1M 1M1
L1L 1L1
T1T 1T1
Since
Dec2006
Jul1994
Oct1990
File Summary
Legal= 1Jan2004
Bkrp= 1Dec2002
High= $9500
Baln= $2352
Coll= 2Dec2003
Pdue=$0
Balances
Insq= 3Jul2005
Paym=$310
Inst= $2352
6Mnth= 1
Acc= 3
Rev=$0
[48] Birth
05Aug33
[51] Telephone
4162275392
Credit File Summary
Since
Jul1998
Jul2000
Sep2004
Residence(s)
Street
123 MAIN STREET 101
456 BACK STREET
789 FRONT STREET
Social Ins. No.
[47] 000000000
Bal: 240
Employment
HENRY’S HOT DOGS
NATIONAL STEEL CAR
SUREARC WELDING
Given Names
CODY
CODY
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
#Reg= 1
6
[45]
[46]
[47]
[48]
[49]
[50]
[51]
Category
Date
Inquiries
Sep10
Result
Pass
Fail
Conditional
41840
240
70
718
12
0
11
0
0
0
4
98
0
matches
the information in this section;
0
High
Credit
Total
list
the
name(s)
of subject.
list
the
alIas of the subject.
Pastall
Due
Total
Payment
sIn/ssn
Negative
Date
of Birth of subject searched.
Paid
Date
the file
was created
for subject.
Totalof
Number
of Registered
Items
Bankruptcy
Date
of last inquiry on subject's credit file.
Legal
Contact
information of subject.
Collections
Dec08
ensure
Collectionthe information inputted in against the subject
S A M P LifE the
C Rreport
E D I Tyou
R Eare
P Olooking
RT
otherwise
at does not belong to the customer you searched, you need
Utilization
HC: 41840
toCredit
cross
reference to make0.57%
sure you have entered in everything
correctly.Bal: 240
O Open
R
Revolving
Identification
I Installments
Surname
Given Names
M Mortgage
Primary
TESTHARVEY
CODY
Alias
HARVEYS
CODY
0
240
0
0 Social Ins. No.
000000000
Employment
On File Summary
Last Inq
credit File
Employers
Address
01Jun04 Name and
22Sep10
HENRY’S HOT DOGS
NATIONAL STEEL CAR
SUREARC WELDING
Credit File Summary
Primary
Alias
Surname
TESTHARVEY
HARVEYS
Last Inq
22Sep10
Given Names
CODY
CODY
Social Ins. No.
000000000
Birth
05Aug33
Telephone
4162275392
Credit File Summary
Category
High Credit Total
Past Due Total
Payment
Negative
Paid
Bankruptcy
Legal
Collections
Inquiries
Collection
Date
Credit Utilization
0.57%
Result
41840
240
70
718
12
0
11
0
0
0
4
98
0
0
Dec08
Sep10
Pass
HC: 41840
O Open
R Revolving
I Installments
M Mortgage
Fail
Conditional
Bal: 240
0
240
0
0
Employment
HENRY’S HOT DOGS
NATIONAL STEEL CAR
SUREARC WELDING
ON
ON
ON
Occupation
CASHIER
WELDER
WELDER
City
TORONTO
TORONTO
TORONTO
Prov
ON
ON
ON
Since
Jul1998
Jul2000
Sep2004
Residence(s)
Street
123 MAIN STREET 101
456 BACK STREET
789 FRONT STREET
Postal
M1M 1M1
L1L 1L1
T1T 1T1
Since
Dec2006
Jul1994
Oct1990
File Summary
Legal= 1Jan2004
Bkrp= 1Dec2002
High= $9500
Baln= $2352
Coll= 2Dec2003
Pdue=$0
Balances
Insq= 3Jul2005
Paym=$310
Inst= $2352
6Mnth= 1
Acc= 3
Rev=$0
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
Occupation
CASHIER
WELDER
WELDER
[52] Category
Date
Residence(s)
High Credit Total
Current
Balance
Total
Street
City
Prov
Past
Due Total
123 MAIN
STREET 101
TORONTO
ON
Payment
456 BACK STREET
TORONTO
ON
Total
Number
of Account
789 FRONT
STREET
TORONTO
ON
Negative
Paid
Total
of Registered Items
File Number
Summary
Bankruptcy
Legal= 1Jan2004
Bkrp= 1Dec2002 Coll= 2Dec2003
Insq= 3Jul2005
Legal
High= $9500
Baln= $2352
Pdue=$0
Paym=$310
Collections
Dec08
Balances
Inst= $2352
Inquiries
Sep10
Collection
Identification
On File
01Jun04
ON
ON
ON
#Reg= 1
6
Credit Utilization
[52]
[53]
Since
Jul1998
Jul2000
Sep2004
Result
41840
240
Postal
701M1
M1M
L1L718
1L1
T1T 12
1T1
0
11
0
0
6Mnth=
0 1
Acc= 43
Rev=$0
98
0
0
Birth
05Aug33
Telephone
4162275392
Pass
Fail
Conditional
Since
Dec2006
Jul1994
Oct1990
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
[53]
#Reg= 1
0.57%
6
O Open
R Revolving
summarizes
I Installments the financial history
M Mortgage
HC: 41840
Bal: 240
0
240
results on the subject.
0
0
Users can check off the criteria which they use to identify an approved/declined
client.
Employment
This
section offers a complete history of allOccupation
illegal inquiries,Since
balances, financial, collections, etc. related to
the
subject's
past Credit. Three
(Pass, Fail and conditional)
are displayed with the availability of
HENRY’S
HOT DOGS
ON categories CASHIER
Jul1998
NATIONAL
STEEL
CAR can be used
ON to determine
WELDER
Jul2000
check
boxes,
which
if the applicants
Credit history is acceptable for approval.
SUREARC WELDING
ON
WELDER
Sep2004
Residence(s)
Street
123 MAIN STREET 101
456 BACK STREET
789 FRONT STREET
City
TORONTO
TORONTO
TORONTO
Prov
ON
ON
ON
Postal
M1M 1M1
L1L 1L1
T1T 1T1
Since
Dec2006
Jul1994
Oct1990
File Summary
Legal= 1Jan2004
Bkrp= 1Dec2002
High= $9500
Baln= $2352
Coll= 2Dec2003
Pdue=$0
Balances
Insq= 3Jul2005
Paym=$310
Inst= $2352
6Mnth= 1
Acc= 3
Rev=$0
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
SAMPLE
CREDIT REPORT
14
#Reg= 1
6
Identification
Primary
Alias
Surname
TESTHARVEY
HARVEYS
On File
01Jun04
Last Inq
22Sep10
Given Names
CODY
CODY
Social Ins. No.
000000000
Birth
05Aug33
Telephone
4162275392
Credit File Summary
SAMPLE
Category
High Credit Total
Past Due Total
Payment
Negative
Paid
Bankruptcy
Legal
Collections
Inquiries
Collection
Date
Result
41840
240
70
718
12
0
11
0
0
0
4
98
0
0
Dec08
Sep10
credit Utilization and Trade
Balance
[54] Credit Utilization
Identification
Primary
Alias
Surname
TESTHARVEY
HARVEYS
On File
01Jun04
Last Inq
22Sep10
Given Names
CODY
CODY
Social Ins. No.
000000000
Credit File Summary
Category
High Credit Total
Past Due Total
Payment
Negative
Paid
Bankruptcy
Legal
Collections
Inquiries
Collection
Date
Credit Utilization
0.57%
Result
41840
240
70
718
12
0
11
0
0
0
4
98
0
0
Dec08
Sep10
Pass
HC: 41840
O Open
R Revolving
I Installments
M Mortgage
Fail
Conditional
Bal: 240
0
240
0
0
Employment
Employment
HENRY’S HOT DOGS
NATIONAL STEEL CAR
SUREARC WELDING
ON
ON
ON
Occupation
CASHIER
WELDER
WELDER
City
TORONTO
TORONTO
TORONTO
Prov
ON
ON
ON
On File
Since
Jul1998
Jul2000
Sep2004
Postal
M1M 1M1
L1L 1L1
T1T 1T1
Since
Dec2006
Jul1994
Oct1990
File Summary
Legal= 1Jan2004
Bkrp= 1Dec2002
High= $9500
Baln= $2352
Coll= 2Dec2003
Pdue=$0
Balances
Insq= 3Jul2005
Paym=$310
Inst= $2352
6Mnth= 1
Acc= 3
Rev=$0
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
HC: 41840
0
240
0
0
Given Names
CODY
CODY
Last Inq
Fail
#Reg= 1
6
[54]
[55]
Bal: 240
Social Ins. No.
000000000
NATIONAL STEEL CAR
ON
WELDER
Jul2000
0.57%
Category
Trade Balance: From Jun04 to May08 Date
High
Credit Total
O Open
Current
Balance Total
R Revolving
Past
Due Total
I Installments
Payment
M Mortgage
Negative
Paid
Employment
Number of Registered Items
[56] Total
Bankruptcy
HENRY’S HOT DOGS
ON
Legal
NATIONAL STEEL CAR
ON
Collections
Dec08
SUREARC WELDING
ON
Inquiries
Sep10
Collection
HC: 41840
6
employment
Identification
Primary
Alias
Surname
TESTHARVEY
HARVEYS
Last Inq
22Sep10
Given Names
CODY
CODY
Social Ins. No.
000000000
Birth
05Aug33
Telephone
4162275392
Credit File Summary
Date
Credit Utilization
0.57%
Result
41840
240
70
718
12
0
11
0
0
0
4
98
0
0
Dec08
Sep10
Pass
HC: 41840
O Open
R Revolving
I Installments
M Mortgage
Fail
Conditional
Bal: 240
0
240
0
0
[56]
[57]
[58]
Employment
HENRY’S HOT DOGS
NATIONAL STEEL CAR
SUREARC WELDING
ON
ON
ON
Occupation
CASHIER
WELDER
WELDER
City
TORONTO
TORONTO
TORONTO
Prov
ON
ON
ON
Since
Jul1998
Jul2000
Sep2004
Residence(s)
Street
123 MAIN STREET 101
456 BACK STREET
789 FRONT STREET
Postal
M1M 1M1
L1L 1L1
T1T 1T1
Since
Dec2006
Jul1994
Oct1990
File Summary
Legal= 1Jan2004
Bkrp= 1Dec2002
High= $9500
Baln= $2352
Coll= 2Dec2003
Pdue=$0
Balances
Insq= 3Jul2005
Paym=$310
Inst= $2352
6Mnth= 1
Acc= 3
Rev=$0
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
#Reg= 1
6
Identification
Primary
Alias
Surname
TESTHARVEY
HARVEYS
Last Inq
22Sep10
Given Names
CODY
CODY
Social Ins. No.
000000000
Birth
05Aug33
Telephone
4162275392
Credit File Summary
Date
Credit Utilization
0.57%
Result
41840
240
70
718
12
0
11
0
0
0
4
98
0
0
Dec08
Sep10
Pass
HC: 41840
O Open
R Revolving
I Installments
M Mortgage
Fail
Conditional
Residence(s)
ON
ON
ON
Occupation
CASHIER
WELDER
WELDER
R Revolving
I Installments
File
Summary
M
Mortgage
Legal= 1Jan2004
Insq= 3Jul2005
High= $9500
Baln= $2352
Pdue=$0
Paym=$310
Employment
Balances
Inst= $2352
Occupation
HENRY’S HOT DOGS
ON
CASHIER
NATIONAL STEEL CAR
ON
WELDER
SUREARC WELDING
ON
WELDER
Postal
HC:
41840
M1M 1M1
L1L 1L1
T1T 1T1 0
240
0
0
6Mnth= 1
Acc= 3
Rev=$0
Since
Jul1998
Jul2000
Sep2004
Bal: 240
Fail
Conditional
Bal:Since
240
Dec2006
Jul1994
Oct1990
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
#Reg= 1
6
City
TORONTO
TORONTO
TORONTO
Prov
ON
ON
ON
Coll= 2Dec2003
Pdue=$0
Balances
Postal
M1M 1M1
L1L 1L1
T1T 1T1
Insq= 3Jul2005
Paym=$310
Inst= $2352
Since
Dec2006
Jul1994
Oct1990
6Mnth= 1
Acc= 3
Rev=$0
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
6
Street
123 MAIN STREET 101
456 BACK STREET
789 FRONT STREET
City
TORONTO
TORONTO
TORONTO
File Summary
Legal= 1Jan2004
Bkrp= 1Dec2002
High= $9500
Baln= $2352
Prov
ON
ON
ON
Prov
ON
ON
ON
Postal
M1M 1M1
L1L 1L1
T1T 1T1
Legal= 1Jan2004
Insq= 3Jul2005
Lists currentHigh=
and$9500
past residences,
with datePdue=$0
of occupancy. Paym=$310
Baln= $2352
Since
Jul1998
Jul2000
Sep2004
Residence(s)
Street
123 MAIN STREET 101
456 BACK STREET
789 FRONT STREET
Result
Pass
41840 0
240240
70 0
718 0
12
0
11
[58] Since 0
0
Jul1998
0
Jul2000
4
Sep2004
98
0
0
Since
Dec2006
Jul1994
Oct1990
File Summary
Bal: 240
0
240
0
0
Employment
HENRY’S HOT DOGS
NATIONAL STEEL CAR
SUREARC WELDING
Conditional
Residence(s)
Category
High Credit Total
Past Due Total
Payment
Negative
Paid
Bankruptcy
Legal
Collections
Inquiries
Collection
[57] Occupation
CASHIER
WELDER
WELDER
Street
City
lists
current
and past employers.
Credit
Utilization
0.57%
123 MAIN STREET 101
TORONTO
lists
456 position
BACK
STREET
Trade
Balance:
From Jun04 to May08 TORONTO
789
FRONT
STREET
lists
time at
current and pastTORONTO
employers.
O
Open
Residence(s)
On File
01Jun04
Fail
Street
City
Prov
Postal
Since
Past
DueSTREET
Total 101
123
MAIN
TORONTO
ON
M1M 70
1M1
Dec2006
Payment
718
456
BACK STREET
TORONTO
ON
L1L 1L1
Jul1994
Total
Number
of Account
12
789
FRONT
STREET
TORONTO
ON
T1T 1T1
Oct1990
Credit
Utilization
Percentage
Negative
0
Identification
Paid percentage of High Credit (HC) available to the subject, 11a total of all open high credit amounts an
This
TotalSummary
Number of Registered Items
0
File
Surname
Namesby the Balance owing (Bal) which
Socialis
Ins.
No. total of
Birth
the
all unpaid accounts
all
open
account
balances, isGiven
divided
Bankruptcy
0
Primary
TESTHARVEY
CODY
000000000
05Aug33
Legal=
1Dec2002
Coll=of
2Dec2003
Insq= 3Jul2005
6Mnth=
Collnq= 1
Legal 1Jan2004 toBkrp=
01 represented
expenditures
produce
a
ration
total
available
over
total
owing
by a percentage.
separately
Alias
HARVEYS
CODY
High=
$9500
Baln= $2352
Pdue=$0
Paym=$310
Acc= 3 4
Neg= 2 Paid= 2
Collections
Dec08
displayed
are the amounts for
open accounts
and
high credits
for your
scrutiny.
Trade=
Jul1994/Feb2001
Balances
Inst=
$2352
Rev=$0
Open=$0
Mort= $0
#Reg= 1
Inquiries
Sep10
98
On File
Last Inq
Telephone
0
01Jun04
22Sep10
4162275392
Collection
0
Category
High Credit Total
Past Due Total
Payment
Negative
Paid
Bankruptcy
Legal
Collections
Inquiries
Collection
Birth
05Aug33
Telephone
SUREARC WELDING
WELDER
Sep2004
Percentage
the subjectON
has utilized their
available credit.
Credit Filethat
Summary
The
percentage is calculatedDate
by dividing the sum of HC by sum
Category
Resultof BC.
Pass
Residence(s)
High
Total
41840
S A Credit
M P of
L EtheC period
R E D I of
T the
R E accounts
P O R T in the credit file summary.
summary
240
Credit
Utilization
Credit
File Summary
On File
01Jun04
Conditional
Employers
and22Sep10
Address
Occupation
Since
01Jun04
4162275392
This section
offers Name
the number
of open,ON
revolving, installment
and mortgage
accounts
against subject.
HENRY’S HOT DOGS
CASHIER
Jul1998
Residence(s)
Street
123 MAIN STREET 101
456 BACK STREET
789 FRONT STREET
0.57%
[55] Trade Balance: From Jun04 to May08
O Open
R Identification
Revolving
I Installments
Surname
M Mortgage
Primary
TESTHARVEY
Alias
HARVEYS
Birth
05Aug33
Telephone
4162275392
Pass
#Reg= 1
Balances
Inst= $2352
6Mnth= 1
Acc= 3
Rev=$0
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
#Reg= 1
6
15
Legal
Collections
Inquiries
Collection
0
4
98
0
0
Dec08
Sep10
Credit Utilization
0.57%
HC: 41840
O Open
R Revolving
I Installments
M Mortgage
Bal: 240
0
240
0
0
SAMPLE
Employment
HENRY’S HOT DOGS
NATIONAL STEEL CAR
SUREARC WELDING
ON
ON
ON
Occupation
CASHIER
WELDER
WELDER
City
TORONTO
TORONTO
TORONTO
Prov
ON
ON
ON
Since
Jul1998
Jul2000
Sep2004
Residence(s)
Street
123 MAIN STREET 101
File Summary
456 BACK STREET
789 FRONT STREET
Identification
Primary
Alias
Surname
TESTHARVEY
HARVEYS
Last Inq
22Sep10
Given Names
CODY
CODY
Social Ins. No.
000000000
Bkrp= 1Dec2002
[59] Legal= 1Jan2004
Baln= $2352
[60] High= $9500
[61] Trade= Jul1994/Feb2001
Birth
05Aug33
Telephone
4162275392
Credit File Summary
Category
High Credit Total
Past Due Total
Payment
Negative
Paid
Bankruptcy
Legal
Collections
Inquiries
Collection
Date
Credit Utilization
0.57%
Result
41840
240
70
718
12
0
11
0
0
0
4
98
0
0
Dec08
Sep10
Pass
HC: 41840
O Open
R Revolving
I Installments
M Mortgage
Fail
Conditional
ON
ON
ON
Occupation
CASHIER
WELDER
WELDER
City
TORONTO
TORONTO
TORONTO
Prov
ON
ON
ON
Coll= 2Dec2003
Pdue=$0
Balances
Insq= 3Jul2005
Paym=$310
Inst= $2352
6Mnth= 1
Acc= 3
Rev=$0
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
#Reg= 1
Bal: 240
0
240
0
0
6
Provides a snapshot of all activity on the consumer's credit report.
Employment
HENRY’S HOT DOGS
NATIONAL STEEL CAR
SUREARC WELDING
Since
Dec2006
Jul1994
Oct1990
File Summary
On File
01Jun04
Postal
M1M 1M1
L1L 1L1
T1T 1T1
Since
Jul1998
Jul2000
Sep2004
Residence(s)
Street
123 MAIN STREET 101
456 BACK STREET
789 FRONT STREET
Postal
M1M 1M1
L1L 1L1
T1T 1T1
Since
Dec2006
Jul1994
Oct1990
File Summary
Legal= 1Jan2004
Bkrp= 1Dec2002
High= $9500
Baln= $2352
Coll= 2Dec2003
Pdue=$0
Balances
Insq= 3Jul2005
Paym=$310
Inst= $2352
6Mnth= 1
Acc= 3
Rev=$0
Collnq= 1
Neg= 2 Paid= 2
Open=$0
Mort= $0
#Reg= 1
[59]
6
[60]
[61]
Total number of legal items; with date of most current.
Total number of bankruptcies; with date of most current.
Total number of collections; with date of most current.
Total number of inquiries; with date of most current.
number of inquiries in the last six months.
number of inquiries that are collection inquiries.
Total high credit to the consumer.
Running balance on the available credit.
Total past due.
Total payments.
number of accounts
number of accounts that have negative rating, including Manner of Payment (MoP) of 2,3,4,5,7,8,9.
number of accounts paid.
Date of oldest account opened and date of most current account opened.
Breakdown of total running balances: Installment, Revolving, Open, Mortgage
Total number of Registered Items.
Special Messages
Messages
[62] ID Mismatch Alert
[63] High Risk Fraud Alert
Messages
ID Mismatch Alert
Applicant’s SIN is Invalid
#HK# Consumer Fraud Warnings on File
Bureau Scores
687 **ALERT**
007 *ALERT**
64 Lack of recent revolving account information
53 Lack of recent consumer finance account information
657 **ALERT**
38 Serious delinquency, and public record or collection filed
18 Number of accounts with delinquency
308
Bureau Scores
Banking
Reptd
BR
Apr2007
Open
Banking Information
ROYAL BANK OF CANADA, 9058162712
Apr2006 CHEQUING ACCOUNT 160 UNCOLLECTED OVERDRAFT OR CHARGES STILL OWING
Trade
Reptd
DC
Jul2005
Open
Last
H. Credit Balance
PastDue
CHASE CARD SERVICES, 800265365
Apr1996
Jun2003
1000
0
0
INCL IN BANKRUPTCY
BB
Aug2006
CIBC DEALER DIRECT LOANS, 8002657807
Feb2001
Jun2005
7500
OC
Jul2003
GEMONEY, 8006613861
Jul1994
2352
Jul2002
1000
3RD PARTY COLL
0
0/M
Payment Pattern
30/60/90/#M
MOP
999999999543211111111111
1
1 11 110
R9
310/M
1111111111111XXXXX111111
0 0 0 72
Terms
0
0
Open
Last
H. Credit
Balance
PastDue
Terms
0000000
Aug2006
70000 30000
MORTGAGE
0
200/M
0/M
I1
999995432111111111111111
1 1 7 84
O9
Payment Pattern
30/60/90/#M
432111111111
1 1 1
M4
Mortgages
Reptd
BB
Aug2006
These are
MOP
[62]
7
[63]
687 **ALERT**
007 *ALERT**
53 Highlights
Lack of recent consumer
information that may include:
examples of optional products.
specificfinance
creditaccount
file conditions
FICO® Bankruptcy
Score input address
657 **ALERT**
appears
if current
does not match any addresses on returned file;
If input social Insurance number
not match
the file social Insurance number;
18 Numberdoes
of accounts
with delinquency
If there are four or more inquiries
within the last 60 days, or if the input surname does not match returned file.
FICO®information
Application Fraud
308is compared against information of known and potential frauds.
The
in Score
the inquiry
If such a match occurs against the input address, phone number or sIn, a warning message is generated
Banking further investigation.
prompting
Reptd
BR
Apr2007
Open
Banking Information
Trade
Reptd
DC
Jul2005
Open
Last
H. Credit Balance
PastDue
Apr1996
Jun2003
1000
0
0
INCL IN BANKRUPTCY
BB
Aug2006
Feb2001
Jun2005
7500
OC
Jul2003
GEMONEY, 8006613861
Jul1994
Mortgages
Jul2002
1000
3RD PARTY COLL
2352
0
0
0
0/M
Payment Pattern
30/60/90/#M
MOP
999999999543211111111111
1
1 11 110
R9
310/M
1111111111111XXXXX111111
0 0 0 72
I1
999995432111111111111111
1 1 7 84
O9
Terms
0/M
16
Payment Pattern Credit Report 16
How
to Interpret aLast
Tenancy
History Report
and
TransUnion
Open
H. Credit Balance
PastDue
Terms
30/60/90/#M
MOP
Reptd
BB
Aug2006
0000000
Aug2006
70000 30000
MORTGAGE
0
200/M
432111111111
1 1 1
M4
SAMPLE
Messages
BureauIDScores
Mismatch Alert
Bureau Scores
Messages
ID Mismatch Alert
[64] TransUnion RiskScore
[65] FICO® Revenue Score
Bureau Scores
687 **ALERT**
007 *ALERT**
657 **ALERT**
308
Banking
Reptd
BR
Apr2007
Open
Banking Information
Trade
0/M
Payment Pattern
30/60/90/#M
MOP
999999999543211111111111
1
1 11 110
R9
2352
0
310/M
1111111111111XXXXX111111
0 0 0 72
I1
0
0
0/M
999995432111111111111111
1 1 7 84
O9
Payment Pattern
30/60/90/#M
432111111111
1 1 1
M4
Reptd
DC
Jul2005
Open
Last
H. Credit Balance
PastDue
Apr1996
Jun2003
1000
0
0
INCL IN BANKRUPTCY
BB
Aug2006
Feb2001
Jun2005
7500
OC
Jul2003
GEMONEY, 8006613861
Jul1994
Jul2002
1000
3RD PARTY COLL
Terms
[66] FICO® Bankruptcy Score
Mortgages
Reptd
BB
Aug2006
Open
Last
H. Credit
Balance
PastDue
Terms
0000000
Aug2006
70000 30000
MORTGAGE
0
200/M
MOP
[67] FICO® Application Fraud Score
687 **ALERT**
007 *ALERT**
657 **ALERT**
308
Banking
7
Reptd
BR
Apr2007
SAMPLE
Open
Banking Information
ACCOUNT 160 UNCOLLECTED OVERDRAFT OR CHARGES STILL OWING
C R E D I T Apr2006
R E P OCHEQUING
RT
These are Trade
examples of optional products
[64]
[65]
[66]
[67]
Payment Pattern
ReptdTransUnion
Open Risk score displayed
Last
H. Credit Balance
Terms
30/60/90/#M
MOP are
The
numerically
withPastDue
four explanation
factors. These factors
DC
999999999543211111111111
displayed
order based on their
relative1000
impact on0 the final0 score.
when a
Messagesin
Jul2005
Apr1996
Jun2003
0/M an “alert” message
1
1 11 110 occurs
R9
INCL IN BANKRUPTCY
credit
file contains
MoP 7 orApplicant’s
greater,SIN
a negative
public record, a collection, or previous bankruptcy.
ID Mismatch
Alert
is Invalid
High Risk Fraud Alert projection model.
This
BB is a revenue
1111111111111XXXXX111111
Aug2006
Feb2001
2352
0
310/M
0 0 0 72
I1
This
is a bankruptcy
loss ratio Jun2005
model. 7500
Bureau Scores
fICo®
application
fraud score model rank orders applications by their 999995432111111111111111
likelihood of being fraudulent.
OC
GEMONEY, 8006613861
Jul2003
Jul1994
Mortgages
FICO® Bankruptcy
Reptd
Open Score
BB
Aug2006
0000000
Banking
Messages
Reptd
BR
Apr2007
Bureau Scores
687 **ALERT**
007 *ALERT**
657 **ALERT**
308
Banking
Reptd
BR
Apr2007
Payment Pattern
30/60/90/#M
432111111111
1 1 1
O9
MOP
M4
Open
Banking Information
Open
Banking Information
Trade
Trade
Reptd
DC
Jul2005
Open
Last
H. Credit Balance
PastDue
Apr1996
Jun2003
1000
0
0
INCL IN BANKRUPTCY
BB
Aug2006
Feb2001
Jun2005
7500
OC
Jul2003
GEMONEY, 8006613861
Jul1994
Jul2002
1000
3RD PARTY COLL
0/M
Payment Pattern
30/60/90/#M
MOP
999999999543211111111111
1
1 11 110
R9
1111111111111XXXXX111111
0 0 0 72
I1
999995432111111111111111
1 1 7 84
O9
Payment Pattern
30/60/90/#M
432111111111
1 1 1
M4
Terms
2352
0
310/M
0
0
0/M
Mortgages
Reptd
BB
Aug2006
1 1 7 84
Banking
ID Mismatch Alert
687 **ALERT**
Jul2002
1000
0
0
0/M
007 *ALERT**
3RD PARTY COLL
657Last
**ALERT**H. Credit Balance
PastDue
Terms
18 Number
of accounts
delinquency
Aug2006
70000 with
30000
0
200/M
16 Lack of recent
revolving account information
MORTGAGE
308
Open
Last
H. Credit
Balance
PastDue
Terms
0000000
Aug2006
70000 30000
MORTGAGE
0
200/M
7
MOP
Reptd
Open
Last
Banking information
includes
theSERVICES,
following
data:
DC
CHASE CARD
800265365
Jul2005
Apr1996
Jun2003
H. Credit
Balance
7
PastDue
1000
0
INCL IN BANKRUPTCY
0
7500
0
Terms
0/M
Payment Pattern
30/60/90/#M
MOP
999999999543211111111111
1
1 11 110
R9
Industry code, name and telephone number of credit grantor, date the credit information was reported to TransUnion,
BB
DEALER DIRECT
LOANS,
8002657807any closed for cause information.
1111111111111XXXXX111111
date the account
wasCIBC
opened,
narrative
describing
Aug2006
Feb2001
OC
Jul2003
GEMONEY, 8006613861
Jul1994
Jun2005
2352
Jul2002
1000
3RD PARTY COLL
310/M
0
0
0/M
0 0 0 72
I1
999995432111111111111111
1 1 7 84
O9
Payment Pattern
30/60/90/#M
432111111111
1 1 1
M4
Mortgages
Reptd
BB
Aug2006
Open
Last
H. Credit
Balance
PastDue
Terms
0000000
Aug2006
70000 30000
MORTGAGE
0
200/M
MOP
7
17
Messages
ID Mismatch Alert
Bureau Scores
687 **ALERT**
007 *ALERT**
657 **ALERT**
308
SAMPLE
Bankruptcy Score
S a m p l e C r e d i t rFICO®
ep
o r t e x p l a n at i o n
Banking
TradesReptd
and Mortgages
BR
Apr2007
[68]
Messages
ID Mismatch Alert
Trade
Bureau Scores
687 **ALERT**
007 *ALERT**
657 **ALERT**
308
Reptd
DC
Jul2005
Open
Last
H. Credit Balance
PastDue
Apr1996
Jun2003
1000
0
0
INCL IN BANKRUPTCY
BB
Aug2006
Feb2001
Jun2005
7500
OC
Jul2003
GEMONEY, 8006613861
Jul1994
Banking
Reptd
BR
Apr2007
Open
Banking Information
Open
Banking Information
[ 69] Payment Pattern
[ 70] MOP
Terms
30/60/90/#M
999999999543211111111111
0/M
R9
1 1 11 1110 1 11 110
R9
Trade
0/M
Payment Pattern
30/60/90/#M
MOP
999999999543211111111111
1
1 11 110
R9
2352
0
310/M
1111111111111XXXXX111111
0 0 0 72
I1
0
0
0/M
999995432111111111111111
1 1 7 84
O9
Reptd
DC
Jul2005
Open
Last
H. Credit Balance
PastDue
Apr1996
Jun2003
1000
0
0
INCL IN BANKRUPTCY
BB
Aug2006
Feb2001
Jun2005
7500
OC
Jul2003
GEMONEY, 8006613861
Jul1994
Jul2002
1000
3RD PARTY COLL
Terms
Mortgages
Reptd
BB
Aug2006
Open
Last
H. Credit
Balance
PastDue
Terms
0000000
Aug2006
70000 30000
MORTGAGE
0
200/M
Payment Pattern
30/60/90/#M
432111111111
1 1 1
MOP
M4
Jul2002
1000
3RD PARTY COLL
2352
0
310/M
0
0
0/M
1111111111111XXXXX111111
0 0 00 072 0 72
I1I1
999995432111111111111111
1 1 7 1841 7 84
O9
O9
Payment Pattern
30/60/90/#M
432111111111
1 1 1
M4
[ 71] Mortgages
7
Reptd
BB
Aug2006
Open
Last
H. Credit
Balance
PastDue
Terms
0000000
Aug2006
70000 30000
MORTGAGE
0
200/M
MOP
Provides an ongoing historical and current record of the consumer's buying and payment activities. Trade information
includes the following data:
[68]
industry Code
name and telephone number of the credit grantor
7
payment pattern
date the credit information was reported to transUnion
date the account was opened
date of last activity on the account
the high credit or credit limit on the account
Balance owing as of date reported
amount past due as of date reported
terms of payment showing the dollar amount owing and payment frequency
Frequency codes are:
D – Deferred
P – Single Payment
W – Weekly
B – Bi-weekly
[69]
[70]
R – Tri-annually
S – Semi-annually
Y – Annually
payment pattern gives a detailed history of payment ratings for a maximum of 24 months. it reads from
right to left with the most current verified entry to the left on the first line. the line below gives a
summary of the historical status of the ratings for the total number of months the credit grantor has been
reviewing the account.
type of account (r, i, o, m) and manner of payment at which the account is currently reported
(See breakdown for more details).
R – Revolving
[71]
A – Semi-monthly
M – Monthly
E – Bi-monthly
T – Quarterly
O – Open
I – Installment
M – Mortgage
a narrative is used if the account is in some type of dispute or requires an explanation of the credit condition
of the account.
For mortgage information, the name and telephone number of the credit grantor are not displayed. the open
date is not displayed.
18
SAMPLE
Registered Items
Registered Items
Registered Items
Reptd
ZZ
Jan2000
Open
ALTERNA BANK
Jan2000
Mature
Amount
Security
Dec2003
15000
A
E
Rsvd
Jul2005
Reptd
01Dec2002
Trustee
BURT HOWE
HOWE & ASSOCIATES
SMC HAM
Assets
500
DISCHARGE JOINT
15456
Liab
75520
01Jun2003
Reptd
Jan2004
Plaintiff's Name
ABC
HAMILTON SMALL CLAIMS COURT
JUDGE 13465
Amount
1500
SATISFIED
Balance
0
01JuL2004
Rsvd
Jun2005
Reptd
Dec2003
ARTIC SERVICES/CABLE COMPANY
Jul2003
AIC/GAS CO
Amount
404
STILL OWING
577
PAID Sep2004
Balance
404
Sep2004
Reptd
ZZ
Jan2000
Open
ALTERNA BANK
Jan2000
Mature
Amount
Security
Dec2003
15000
A
E
Legal Items
Rsvd
Sep2004
Collection
0
Rsvd
Inquiries
Date
25Jul2005
01May2002
25Nov1999
Credit Grantor
YA ALLIED INTERNATIONAL CREDIT, 8884788181
BB CIBC/PRESIDENTS CHOICE
DC ZELLERS, 8002632599
Reptd
Trustee
Assets
HOWE & ASSOCIATES
RSMC
E PHAM
ORT
DISCHARGE JOINT
15456
Plaintiff's Name
ABC
JUDGE 13465
Amount
1500
SATISFIED
BURT
500 as liens.
This item Jul2005
is not rated. It 01Dec2002
gives full details
of HOWE
registration including security. Also known
Remarks
Date
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
Information
#HK# CONFIRMED FRAUD VICTIM; BEFORE EXTENDING CREDIT VERIFY ALL
#HK# APPLICANT INFORMATION. CONTACT CONSUMER FOR VERIFICATION AT
#HK# HOME: (416) 5555-1212 DATED 07/2005 VICTIME CONFIRME DE FRAUD
#HK# NE PAS ACCORDER DE CREDIT SANS VERIFIER TOUTES LES INFORMATION
#HK# DU POSTULANT DE PLUS COMMUNIQUER AVEC LE CONSOMMATEUR DIRECTEMENT
#HK# A DOMICILE POUR VERIFICATION AU: (416) 555-1212 DATE 07/2005
SAMPLE CREDIT
THIS REPORT IS PRIVATE AND CONFIDENTIAL. RELEASING COPIES TO ANYONE INCLUDING THE APPLICANT IS A VIOLATION OF YOUR
MEMBERSHIP AGREEMENT WITH RENTCHECK AS WELL AS CONSUMER REPORTING AGENCY LEGISLATION. THE APPLICANT CAN OBTAIN A COPY
OF THEIR OWN CREDIT FILE BY CONTACTING THE CREDIT BUREAU SOURCE AT THE FOLLOWING NUMBERS: TRANSUNION 1.800.663.9980 AND/
OR EQUIFAX 1.800.465.7166 AND/OR RENTCHECK 1.800.661.7312 EXT 221. For support please email us at [email protected] with your Member ID
A – Consumer Goods
Legal Items
B – Inventory
Rsvd
Sep2004
8
Reptd
Jan2004
C – Equipment
E – Other securities
D – Assignment of book debts
Collection
Registered Items
Reptd
Rsvd
Reptd
Jun2005
ZZ
Jan2000
Sep2004
Open
Mature COMPANY
Dec2003
ARTIC SERVICES/CABLE
Bankruptcy and/or
consumer
Proposal
ALTERNA BANK
Registered Items
Open
ALTERNA BANK
Jan2000
Mature
Amount
Security
Dec2003
15000
A
E
Rsvd
Jul2005
Reptd
01Dec2002
Trustee
BURT HOWE
HOWE & ASSOCIATES
SMC HAM
Assets
500
DISCHARGE JOINT
15456
Liab
75520
01Jun2003
Legal Items
Rsvd
Sep2004
Reptd
Jan2004
Plaintiff's Name
ABC
JUDGE 13465
Amount
1500
SATISFIED
Balance
0
01JuL2004
Rsvd
Jun2005
Reptd
Dec2003
Jul2003
AIC/GAS CO
Amount
404
STILL OWING
577
PAID Sep2004
Balance
404
Sep2004
0
Inquiries
Credit Grantor
Remarks
Date
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
Dec2003
Balance
404 Security
A
0
Date
Credit
Grantor
Rsvd
Reptd
Trustee
25Jul2005
YA01Dec2002
ALLIED INTERNATIONAL
CREDIT, 8884788181
Jul2005
BURT HOWE
01May2002
BB CIBC/PRESIDENTSHOWE
CHOICE
& ASSOCIATES
25Nov1999
HAM
S A M P L E DCCZELLERS,
R E D I8002632599
T R SMC
EPO
RT
Assets
500
DISCHARGE JOINT
15456
Liab
75520
01Jun2003
Rsvd
Reptd
Plaintiff's Name
Amount
Date
Information
Sep2004
Jan2004
ABC
1500
30Dec2004
#HK#
CONFIRMED
FRAUD
VICTIM;
BEFORE
EXTENDING
CREDIT
VERIFY
ALL
HAMILTON
SMALL
CLAIMS
COURT
Will be maintained
on consumer's
file in compliance
with provincial regulations. SATISFIED
30Dec2004
#HK# APPLICANT INFORMATION.
JUDGE 13465 CONTACT CONSUMER FOR VERIFICATION AT
30Dec2004
30Dec2004
PAS ACCORDER DE CREDIT SANS VERIFIER TOUTES LES INFORMATION
Collection
Includes date
revised, #HK#
dateNEreported,
name and address of trustees, assets, liabilities, date
30Dec2004
Registered Items
Rsvd
Reptd
Agency/Creditor's
#HK#
A DOMICILE POUR
VERIFICATIONName
AU: (416) 555-1212 DATE 07/2005 Amount
with date.30Dec2004
Jun2005
ARTIC SERVICES/CABLE
404
Reptd
OpenDec2003
Mature COMPANY
Amount
STILL OWING
ZZ
ALTERNA BANK
Sep2004
Jul2003
AIC/GAS CO Dec2003
Jan2000
Jan2000
15000 577
PAID Sep2004
Balance
0
01JuL2004
Legal Items
Remarks
Collection
Date
25Jul2005
01May2002
25Nov1999
AIC/GAS CO
Balance
0
01JuL2004
E
Inquiries
Reptd
ZZ
Jan2000
Jan2000
Jul2003
Amount
Amount
404
STILL OWING
15000
577
PAID Sep2004
Liab
75520
01Jun2003
Information
8
Inquiries
revised and discharges
Balance
404Security
0
A
E
Date
Credit
Grantor
Rsvd
Reptd
Trustee
Assets
LiabA COPY
MEMBERSHIP
AGREEMENT
WITH
RENTCHECK
AS WELL AS CONSUMER REPORTING AGENCY LEGISLATION.
THE APPLICANT CAN OBTAIN
25Jul2005
YA
ALLIED
INTERNATIONAL
CREDIT,
8884788181
BURT
500
75520AND/
OFJul2005
THEIR OWN CREDIT01Dec2002
FILE
BY CONTACTING
THE HOWE
CREDIT
BUREAU
SOURCE AT THE FOLLOWING NUMBERS:
TRANSUNION 1.800.663.9980
BB CIBC/PRESIDENTS
CHOICE
OR01May2002
EQUIFAX 1.800.465.7166
AND/OR RENTCHECK
1.800.661.7312
EXT 221. For support please email us at [email protected]
with your01Jun2003
Member ID
HOWE
& ASSOCIATES
DISCHARGE JOINT
Legal Items
25Nov1999
Legal
Items
Remarks
Registered Items
Reptd
ZZ
Jan2000
Open
ALTERNA BANK
Jan2000
Mature
Amount
Dec2003
15000
Security
A
E
Rsvd
Jul2005
Reptd
01Dec2002
Trustee
BURT HOWE
HOWE & ASSOCIATES
SMC HAM
Assets
500
DISCHARGE JOINT
15456
Liab
75520
01Jun2003
Legal Items
Rsvd
Sep2004
Reptd
Jan2004
Plaintiff's Name
ABC
JUDGE 13465
Amount
1500
SATISFIED
Balance
0
01JuL2004
Rsvd
Jun2005
Reptd
Dec2003
Balance
404
Sep2004
Jul2003
AIC/GAS CO
Amount
404
STILL OWING
577
PAID Sep2004
Collection
0
Inquiries
Date
25Jul2005
01May2002
25Nov1999
Credit Grantor
Remarks
Date
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
Information
Rsvd
Date
Sep2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
Collection
30Dec2004
30Dec2004
Rsvd
Jun2005
Will be maintained
Sep2004 on
8
SMC HAM
15456
Reptd
Plaintiff's Name
Amount
Information
Jan2004
ABC
1500
8
#HK# CONFIRMEDHAMILTON
FRAUD VICTIM;
BEFORE
EXTENDING
SMALL
CLAIMS
COURT CREDIT VERIFY ALL
SATISFIED
#HK# APPLICANT INFORMATION.
JUDGE 13465 CONTACT CONSUMER FOR VERIFICATION AT
#HK# A DOMICILEAgency/Creditor's
POUR VERIFICATION
AU: (416) 555-1212 DATE 07/2005Amount
Reptd
Name
Dec2003
404
OWING
consumer's
file inAIC/GAS
compliance
with provincial regulations. STILL
Jul2003
CO
577
PAID Sep2004
Balance
0
01JuL2004
Balance
404
0
Includes date
revised, date reported, plaintiff's name, court, amount, balance, and comments.
Inquiries
Date
Credit Grantor
MEMBERSHIP AGREEMENT
WITH RENTCHECK AS WELL AS CONSUMER REPORTING AGENCY LEGISLATION. THE APPLICANT CAN OBTAIN A COPY
25Jul2005
YA ALLIED
INTERNATIONAL
CREDIT,
8884788181
OF THEIR OWN CREDIT
FILE BY CONTACTING
THE CREDIT
BUREAU
SOURCE AT THE FOLLOWING NUMBERS: TRANSUNION 1.800.663.9980 AND/
OR EQUIFAX 1.800.465.7166
AND/OR RENTCHECK
1.800.661.7312 EXT 221. For support please email us at [email protected] with your Member ID
01May2002
BB CIBC/PRESIDENTS
CHOICE
25Nov1999
Remarks
Date
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
Information
8
MEMBERSHIP AGREEMENT WITH RENTCHECK AS19
WELL AS CONSUMER REPORTING AGENCY LEGISLATION. THE APPLICANT CAN OBTAIN A COPY
8
Registered Items
Reptd
ZZ
Jan2000
Open
ALTERNA BANK
Jan2000
Mature
Amount
Security
SAMPLE
Dec2003
15000
s a M P l e C R e D I T RBankruptcy
e P o and
RReptd
TInsolvency
e X PTrustee
l a n aT I o n
Rsvd
Jul2005
Assets
500
DISCHARGE JOINT
15456
Liab
75520
01Jun2003
Plaintiff's Name
ABC
JUDGE 13465
Amount
1500
SATISFIED
Balance
0
01JuL2004
Agency/Creditor's
Name
Mature
Dec2003
AIC/GAS CO
Amount
Amount
404
STILL OWING
15000
577
PAID Sep2004
01Dec2002
BURT HOWE
& ASSOCIATES
RHOWE
EPO
RT
SMC HAM
Reptd
SAMPLE CREDIT
A
E
Legal Items
Rsvd
Sep2004Information
Jan2004
collection
Collection
Registered Items
Rsvd
Reptd
Jun2005
ZZ
Jan2000
Sep2004
Registered Items
Reptd
ZZ
Jan2000
Open
ALTERNA BANK
Jan2000
Mature
Amount
Dec2003
15000
Security
A
E
Rsvd
Jul2005
Reptd
01Dec2002
Trustee
BURT HOWE
HOWE & ASSOCIATES
SMC HAM
Assets
500
DISCHARGE JOINT
15456
Liab
75520
01Jun2003
Legal Items
Rsvd
Sep2004
Reptd
Jan2004
Plaintiff's Name
ABC
JUDGE 13465
Amount
1500
SATISFIED
Balance
0
01JuL2004
Rsvd
Jun2005
Reptd
Dec2003
Balance
404
Sep2004
Jul2003
AIC/GAS CO
Amount
404
STILL OWING
577
PAID Sep2004
Inquiries
Collection
0
Rsvd
Inquiries
Date
25Jul2005
01May2002
25Nov1999
Credit Grantor
Reptd
Trustee
Date
Credit
Grantor
Jul2005 on consumer's
01Dec2002
HOWE
Will be maintained
file inBURT
compliance
with provincial regulations.
25Jul2005
S A M P L E C R E D I T R HOWE
E P O&RASSOCIATES
T
Remarks
Date
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
Reptd
Open
Dec2003
ALTERNA
BANK
Jan2000
Jul2003
Information
01May2002
BB CIBC/PRESIDENTSSMC
CHOICE
HAM
Assets
500
DISCHARGE JOINT
15456
Legal Items
Rsvd
Remarks
Reptd
Plaintiff's Name
Amount
Sep2004
Jan2004
ABC
1500
Date
Information
SATISFIED
30Dec2004
#HK# CONFIRMED FRAUD
JUDGEVICTIM;
13465 BEFORE EXTENDING CREDIT VERIFY ALL
30Dec2004
30Dec2004
Registered
Collection Items
30Dec2004
30Dec2004
#HK#
DU POSTULANT
DE PLUS COMMUNIQUER
AVEC LE CONSOMMATEUR
DIRECTEMENT
Reptd
Open
Mature
Amount
Rsvd
Reptd
Agency/Creditor's
Name
Amount
30Dec2004
#HK#
ABANK
DOMICILE POUR
VERIFICATION
AU: (416)
555-1212 DATE 07/2005 404
ZZ
ALTERNA
Jun2005
Dec2003
ARTIC
SERVICES/CABLE
COMPANY
Jan2000
Jan2000
Dec2003
15000 STILL OWING
Sep2004
Jul2003
AIC/GAS CO
577
PAID Sep2004
8
Inquiries
Inquiries
Rsvd
Reptd
Trustee
Mature
Amount
Security
Dec2003
15000
A
E
Rsvd
Jul2005
Reptd
01Dec2002
Trustee
BURT HOWE
HOWE & ASSOCIATES
SMC HAM
Assets
500
DISCHARGE JOINT
15456
Liab
75520
01Jun2003
Reptd
Jan2004
Plaintiff's Name
ABC
JUDGE 13465
Amount
1500
SATISFIED
Balance
0
01JuL2004
Rsvd
Jun2005
Reptd
Dec2003
Jul2003
AIC/GAS CO
Amount
404
STILL OWING
577
PAID Sep2004
Balance
404
Sep2004
Legal Items
Rsvd
Sep2004
Legal Items
Collection
0
Inquiries
Date
25Jul2005
01May2002
25Nov1999
Credit Grantor
Remarks
Date
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
Information
8
Assets
Balance
0
01JuL2004
Security
Balance
404
A
E
0
Liab
Date
Credit
Grantor
Jul2005
01Dec2002
BURT HOWE
500
THIS
REPORT IS PRIVATE
AND
CONFIDENTIAL.
RELEASING COPIES TO ANYONE INCLUDING THE APPLICANT
IS A VIOLATION75520
OF YOUR
25Jul2005 AGREEMENT
YA ALLIED
INTERNATIONAL
CREDIT,
8884788181
HOWE
& ASSOCIATES
DISCHARGE
JOINT
01Jun2003
MEMBERSHIP
WITH RENTCHECK
AS WELL
AS CONSUMER
REPORTING AGENCY LEGISLATION.
THE APPLICANT
CAN OBTAIN
A COPY
CIBC/PRESIDENTS
CHOICE
SMC
HAM
15456
OF01May2002
THEIR OWN CREDITBB
FILE
BY CONTACTING
THE
CREDIT BUREAU SOURCE AT THE FOLLOWING NUMBERS:
TRANSUNION 1.800.663.9980 AND/
DC ZELLERS,
OR25Nov1999
EQUIFAX 1.800.465.7166
AND/OR8002632599
RENTCHECK 1.800.661.7312 EXT 221. For support please email us at [email protected] with your Member ID
Registered Items
Open
ALTERNA BANK
Jan2000
Liab
75520
01Jun2003
25Nov1999
Includes date
revised, date
reported, agency name and creditor's names (if provided), amount, balance, and comments.
Reptd
ZZ
Jan2000
Balance
Security
404
A
E
0
Rsvd
Reptd
Plaintiff's Name
Amount
Remarks
Sep2004
Jan2004
ABC
1500
Date
Information
HAMILTON
SMALL
CLAIMS
COURT
SATISFIED
Displays the
users who #HK#
haveCONFIRMED
viewed the
consumer's
credit file for credit-related
purposes.
30Dec2004
FRAUD13465
VICTIM; BEFORE 8EXTENDING CREDIT VERIFY ALL
JUDGE
#HK#
INFORMATION.
CONTACT
FOR
VERIFICATION AT
inquiry, the30Dec2004
industry code
of APPLICANT
the inquirer,
their name
and CONSUMER
telephone
number.
30Dec2004
#HK#
HOME:
(416)
5555-1212
DATED
07/2005
VICTIME
CONFIRME
DE
FRAUD
Collection
30Dec2004
Rsvd
Reptd
Agency/Creditor's
Name
Amount
30Dec2004
#HK# DU POSTULANT
DE PLUS COMMUNIQUER
AVEC LE CONSOMMATEUR
DIRECTEMENT
Jun2005
Dec2003
30Dec2004
#HK# A DOMICILEARTIC
POUR SERVICES/CABLE
VERIFICATION AU:COMPANY
(416) 555-1212 DATE 07/2005404
STILL OWING
Sep2004
Jul2003
AIC/GAS CO
577
PAID Sep2004
Inquiries
Balance
0
01JuL2004
Includes
the
date of the
Balance
404
0
Date
Credit Grantor
THIS REPORT IS PRIVATE
AND CONFIDENTIAL. RELEASING COPIES TO ANYONE INCLUDING THE APPLICANT IS A VIOLATION OF YOUR
25Jul2005 AGREEMENT
YA ALLIED
CREDIT,
8884788181
MEMBERSHIP
WITHINTERNATIONAL
RENTCHECK AS WELL
AS CONSUMER
REPORTING AGENCY LEGISLATION. THE APPLICANT CAN OBTAIN A COPY
01May2002
BB CIBC/PRESIDENTS
OF THEIR OWN CREDIT
FILE BY CONTACTINGCHOICE
THE CREDIT BUREAU SOURCE AT THE FOLLOWING NUMBERS: TRANSUNION 1.800.663.9980 AND/
25Nov1999
DC ZELLERS,
8002632599
OR
EQUIFAX 1.800.465.7166
AND/OR
RENTCHECK 1.800.661.7312 EXT 221. For support please email us at [email protected] with your Member ID
Remarks
Remarks
Date
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
Registered Items
Reptd
ZZ
Jan2000
Open
ALTERNA BANK
Jan2000
Mature
Amount
Dec2003
15000
Security
A
E
Rsvd
Jul2005
Reptd
01Dec2002
Trustee
BURT HOWE
HOWE & ASSOCIATES
SMC HAM
Assets
500
DISCHARGE JOINT
15456
Liab
75520
01Jun2003
Legal Items
Rsvd
Sep2004
Reptd
Jan2004
Plaintiff's Name
ABC
JUDGE 13465
Amount
1500
SATISFIED
Balance
0
01JuL2004
Rsvd
Jun2005
Reptd
Dec2003
Jul2003
AIC/GAS CO
Amount
404
STILL OWING
577
PAID Sep2004
Balance
404
Sep2004
Collection
0
Inquiries
Date
25Jul2005
01May2002
25Nov1999
Credit Grantor
Information
8
#HK# APPLICANT INFORMATION. CONTACT CONSUMER
FOR VERIFICATION AT
Remarks
Date
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
30Dec2004
Information
8
CONS
GEN
#HK#
Consumer statement allows for comment from the consumer regarding information on their file.
other
OF THEIR OWN CREDIT
FILE BY CONTACTING
THE CREDIT BUREAU
AT THE
FOLLOWING
TRANSUNION
1.800.663.9980
Consumer
is a confirmed
or potential
victimSOURCE
of fraud
and
has a NUMBERS:
protective
warning
on file. AND/
8
20
TRansUnIon CReDIT RePoRT CoDes
TRANSUNION
credit Report codes
CREDIT
REPORT CODES
industry of classification
types of account
kind of business
code
automotive
a
open accounts
o
Banks and Trust Companies
B
Revolving or option (30 days)
R
Clothing
C
Installment (fixed number of payments)
I
Department/Retail
D
Mortgage
finance/Personal
f
Grocery
G
usual manner of payment
Home furnishings
H
Too new to rate; approve, but not used
0
Insurance
I
Jewelry
J
Pays (or paid) within 30 days of billing;
pays account as agreed
1
Contractors
k
lumber, Building Material,Hardware
l
Pays (or paid) in more than 30 days, but not
more than 60 days
2
Medical and Related Health
M
more than 90 days
3
Credit Card and Travel/entertainment
n
oil Companies
o
more than 120 days
4
Personal service other than Medical
P
account is at least 120 days overdue but is
not yet rated a “9”
5
finance Companies other than Personal finance
Q
Real estate and Public accommodations
R
Making regular payments under consolidation
order or similar arrangement
7
sporting Goods
s
Repossession
8
farm and Garden suppliers
T
Bad debt, placed for collection; skip
9
Utilities and fuel
U
Government
V
Wholesale
W
advertising
X
Collection services
y
Miscellaneous
Z
M
21
TRANSUNION
HIGH RISK FRAUD
ALERT INTERPRETATION
HIGH
RISK FRAUD
HIGH RISK FRAUD ALERT
INTERPRETATION
CODE
HIGH RISK FRAUD ALERT MESSAGE
41, 51
61, 71
. . . . address is a PO rental box
Address matches a list of corporate/franchise rental box
locations
Purchase from Canada Post monthly
40, 50
60, 70
. . . . address is a mail drop
Address matches HRFA’s list of independent mail drop
Purchase from list brokers semi-
42, 52
62, 72
140, 141
142, 143
144, 145
146, 147
148, 149
. . . . address is a(n) . . . .
Address matches a list of commercial/institutional non-
Purchase from list brokers semi-
44
CODE
41, 51
61, 71
. . . . address is a PO rental
box (non-Canada Post)
locations
WHERE DOES THE INFORMATION
COME FROM?
WHAT DOES IT MEAN?
Address matchesannually
a list of corporate/franchise rental bo
locations
residential addresses on the HRFA database
40, 50
Address matchesannually
HRFA’s list of independent mail drop
institutional address
60, 70
locations (non-Canada Post)
hotel/motel
credit counseling service
42, cashing
52
. . . . order
address
cheque
or money
serviceis a(n) . . . .
night
club72
62,
storage facility
140, 141
(household/commercial/ lockers)
142, 143
hotel/motel
airport
truck
stop 145
or plaza credit counseling service
144,
nursing home
146, 147
cheque cashing or money
hospital/clinic
148, 149
club
telephone
answeringnight
service
storage facility
Apartment building – address should have unit
(household/commercial/
number
airport
43, 53
63, 73
81, 91
100, 110
121
WHAT DOES IT MEAN?
ALER
. . . . address . . . . truck stop or plaza
. . . . SIN . . . .
nursing home
. . . . telephone . . . .hospital/clinic
reported as misusedtelephone
44
43, 53
63, 73
81, 91
100, 110
121
Address matches a list of commercial/institutional nonresidential addresses on the HRFA database
order service
Address matches address of multi-unit building, such as
HVMR (high volume mail receiver)
list purchased from Canada Post
monthly
Address, SIN or telephone number matches an address,
SIN or telephone number on the HRFA file reported
used in a confirmed true name or credit fraud
Confirmed fraud or attempt to
perpetrate a fraud – supplied to the
database by the fraud department of
a known consumer credit grantor
lockers)
an apartment building, on the HRFA database
answering service
number
TransUnion Confidential – Internal Use Only
. . . . address . . . .
. . . . SIN . . . .
. . . . telephone . . . .
Address matches address of multi-unit building, such a
2009-06-03
Address, SIN or telephone number matches an addres
reported as misused
2009-06-03
TRANSUNION
HIGH RISK FRAUD
HIGH RISK FRAUD ALER
CODE
45, 55
65, 75
105, 115
. . . . Address . . . .
WHAT DOES IT MEAN?
. . . . SIN . . . .
. . . . telephone . . . .
CODE
HIGH RISK FRAUD
reported as misused (by victim)
82, 92
122
. . . . telephone reported as misused (actual
company)
41, 51
. . . . address is a PO
61, 71
80, 85
86, 87
90, 95
96, 97
120, 125
126, 127
83, 84
93, 94
123, 124
101, 111
102, 112
103, 113
104, 114
40, 50
60, 70
Address, SIN or telephone number matches an address,
SIN or telephone number identified by the victim as
having been used in a confirmed true name fraud. The
consumer’s file with TransUnion contains a statement
indicating that the consumer has been a victim of true
name orM
credit
fraud
ALERT
ESSAGE
WHAT DOES IT
Telephone number matches a number in the HRFA
142, 143
legitimate company
hotel/motel
When a victim (consumer) calls
TransUnion’s FVAD (Fraud Victim
Assistance Department), the
information provided is loaded into
the HRFA database
MEAN?
database
in a matchesperpetrate
fraud – supplied by the rental bo
rental
box that has been identified as used
Address
a list ofacorporate/franchise
confirmed true name or credit fraud. The telephone
fraud department of a known
locations
number has been confirmed as belonging to that of a
consumer credit grantor
. . . . telephone is a . . . .
cellular number
52 cellular number
. . . . address is a(n)
Bell 42,
Mobility
62,AT&T
72 cellular number
Rogers
Telus
cellular
numberinstitutional address
140,
141
Microcell cellular number
COME FROM?
...
Telephone number matches a list of various nonWireless cell ranges are provided by
locations (non-Canada
Post)
residential telephone numbers on the HRFA database
the companies listed. Pay phones for
Ontario and Quebec are provided by
.
Address matchesBell
a list
of commercial/institutional
Canada.
Telephone answering
residential addresses
thenumbers
HRFA are
database
serviceon
phone
purchased from list brokers semiannually.
non-
144, 145
payphone
telephone
service cashing or money
146, answering
147
cheque
order service
night club
applicant’s/co-applicant’s
SIN isfacility
retired (deceased)
The SIN is associated with a deceased person
storage
applicant’s/co-applicant’s
SIN is invalid
The Social Insurance Number entered does not pass
airport
the mod-10 validity check
truck stop or plaza
nursing home
applicant’s/co-applicant’s SIN was issued before
The month and year in which the SIN was issued is prior
hospital/clinic
date of birth
to the date of birth
telephone answering service
148, 149
Provided by various consumer credit
grantors
Algorithm built into the HRFA
database
database
applicant’s/co-applicant’s SIN was reported lost or
The consumer to whom the input SIN belongs has
by the victim (consumer) to
44
Apartment building – address
should have unit
Address matchesReported
address
of multi-unit building,
stolen
reported that their SIN was lost or stolen
our Fraud Victim Assistance
number
an apartment building,
on
Department the HRFA database
43, 53
63, 73
81, 91
100, 110
121
. . . . address . . . .
. . . . SIN . . . .
. . .TransUnion
. telephone
. . . . – Internal Use Only
Confidential
such a
2009-06-03
reported as misused
2009-06-03
TRANSUNION
HIGH RISK FRAUD
106, 116
applicant’s co-applicant’s SIN has not yet been
issued
The SIN has not yet been issued by the federal
government
database
CODE
WHAT DOES IT MEAN?
41, 51
61, 71
Address matches a list of corporate/franchise rental bo
locations
40, 50
60, 70
locations (non-Canada Post)
42, 52
62, 72
140, 141
142, 143
144, 145
146, 147
148, 149
. . . . address is a(n) . . . .
hotel/motel
cheque cashing or money order service
night club
storage facility
airport
truck stop or plaza
nursing home
hospital/clinic
44
number
43, 53
63, 73
81, 91
100, 110
121
. . . . address . . . .
. . . . SIN . . . .
. . . . telephone . . . .
TransUnion
Confidential – Internal Use Only
reported
as misused
2009-06-03
2009-06-03
TRANSUNION
HIGH RISK FRAUD
CODE
WHAT DOES IT MEAN?
COME FROM?
130
current postal/phone number is inconsistent
The HOME phone number entered does not
geographically overlay with the HOME address that has
been entered
database
200, 210
220
input address/phone SIN is past its threshold
The address, telephone and/or SIN was used on
multiple TransUnion inquiries within the time frame set
by the customer
database
49, 59,
69, 79,
107, 179,
212, 213,
214,
71
The 61,
address/Phone/SIN
has been reported in a
Bust Out
215, 216
CODE
WHAT DOES IT MEAN?
41, 51
Address matches a list of corporate/franchise rental bo
40, 50
60, 70
. . . . address is a mail
42, 52
62, 72
140, 141
142, 143
144, 145
146, 147
148, 149
. . . . address is a(n) . . . .
ADDRESS warnings may refer to:
-current
-previous
-work
-ship to
-bill to
locations
The current or previous address, phone
number and/or
SIN was reported as being associated with a known
perpetrate a fraud – supplied by the
drop
Address matches
HRFA’s
list of
case of Bust Out fraud
fraud
department
of aindependent
known
consumerPost)
credit grantor
locations (non-Canada
TELEPHONE warnings may refer to:
-current
hotel/motel
-previous
-work
cheque cashing or money order service
night club
-ship to
storage facility
-bill to
airport
truck stop or plaza
nursing home
hospital/clinic
44
number
43, 53
63, 73
81, 91
100, 110
121
. . . . address . . . .
. . . . SIN . . . .
. . . . telephone . . . .
2009-06-03
reported as misused
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
mail drop
2009-06-03

user guide - RentCheck

Transcription

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