Consumer Credit Report User Guide

NOTE: THIS REPORT SHOWS A SAMPLE OF POTENTIAL INFORMATION

FOUND ON A CREDIT REPORT. THIS IS NOT AN ACTUAL REPORT.

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 CONSUMER REPORT
[1] 1 800 465-7166 [2] 6/16/2004
LEGEND [3] File Requested by: N T R E M

[1] CONSUMER REFERRAL TELEPHONE NUMBER: Identification

Tells credit grantor where consumers may call if they are denied credit. Name: TEST, FILE,P.
[2] Date file was accessed (mm/dd/yy). Current Address: 110, SHEPPARD AVE, NORTH YORK, ON,M2N6S1
[3] INQUIRY DATA: Shows information used to inquire on the file. Previous Address: 60, BLOOR ST W, TORONTO,ON,M4W3C1.
[4] Subject 1: Details sections of the file that are populated and displayed Date of Birth, SIN: 1942/02/16, 999-999-998.
Reference: NTREM
[5] CONSUMER FILE ALERT: Information input on inquiry does not match
file or is invalid. Employment
[6] SAFESCAN WARNING: Fraud alert message warns you of potential Employer, Occupation: OWNER TESTS HAIR SALON
application fraud. (Available only to SafeScan subscribers)
[7] SCORES AND REASON CODES: A risk score accompanied by up to four [4] Subject 1: Alert, Score, Identification , Inquiries, Employment, Summary, Public,
reason codes appears in this section. Reason codes indicate the main Trades, Banking, Declaration.
reasons for the score. (Available only to risk score subscribers.) Consumer Alert (Subject 1)
[5] Warnings
IDENTIFICATION SECTION: Invalid Social Insurance Number
[8] Unique Number: for Equifax internal use only.
[9] File Number: for Equifax internal use only. [6] SAFESCAN
[10] Date file was established. SF-9 Possible True Name Fraud
[11] Date of last activity on file.
[7] Product Score (Subject 1)
[12] Date of birth or age of Subject (mm/dd/yy). Risk Score 509
[13] SIN: Social Insurance Number (will only display here if provided on input Serious delinquency and public record or collection filed
and matches with information on file). Time since delinquency is too recent or unknown
[14] Subject name. Number of accounts with delinquency
[15] Current address. Length of time revolving accounts have been established
[16] Since: Date address was reported and added to the Equifax Report.
Bank. Nav. Index 230
R/O/B: Indicates if the subject Rents Owns or Boards their current Age of derogatory public records.
address. Average age of retail trades.
[17] Reported: Indicates type of customer that reported the address Number of recent inquiries.
information, STS = direct link customer, Tape = monthly tape reporting Average age of trades.
customer, DAT = Internet customer - verbal internal Equifax person.
[18] Former address - Previous address of subject. Identification (Subject 1)
[19] Second former address. [8] Unique Number 3455234199 [9] File Number 00-0008095-00-037
[10] Date File Opened: 01/23/1975 [11] Date of Last Activity: 06/03/2004
[20] AKA or name subject is also known as - this credit report will contain the [12] DOB/Age: 02/16/1942 [13] SIN:
information under both the name information and this section,
therefore, no need to make additional credit report inquiries under this ** Consumer Declaration **
name. [14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
INQUIRIES SECTION: [16] Since, R/O/B: 01/2003
[17] Reported: STS Reported
[21] Alert message appears if there have been three or more inquiries within [18] Former Address: 1231, 15 TH AVE, CALGARY, AB, T3C 0X6
the past 90 days. Since, R/O/B: 01/2003
[22] Date, member number and member name for inquiries in the past 36 Reported: Tape Reported
months. Member phone number will display for inquiries in past 12 [19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
months. Since, R/O/B: 01/2003
[23] Total Number of Inquiries: Total number of inquiries since file was Reported: Verbally Reported
established. [20] Also Known As: PRETEND, FILE, EQUIFAX
[24] Foreign Bureau Inquires: Date, Member number and name of U.S. Inquiries (Subject 1)
inquiring customers. [21] Subject shows 3 inquiries since 03/17/2004
[22] Member Inquiries:
EMPLOYMENT SECTION:
[25] Current Employer: Company name of most recent reported current Date Member No Member Name Telephone
employer. 06/03/2004 001BB05697 BANQUE SCOTIA (222) 333-3333
05/08/2004 481FF00722 ASSOCIATES FINANCIAL (111) 222-2222
[26] Since, Left ,Position,Salary: Occupation of subject and when verified 05/02/2004 057ON00374 PRESIDENTS CHOICE MC (333) 777-7777
start date, left date and salary. 10/13/2002 481BB99080 SCOTIABANK (444) 555-5555
[27] Former Employer: Company name of previous employer. [23] Total number of inquiries: 4
Since, Left, Position, Salary: Occupation of subject and when verified start [24] Foreign Bureau Inquiries:
date, left date and salary.
[28] Second Former Employer: Company name of second or previous Date Member No/City Province and Description
employer. 06/02/2002 INTLUSA 401BB17978 TD/GM VISA
Since, Left, Position, Salary: Occupation of subject and when verified Employment (Subject 1)
start date, left date and salary. Employment Information :
[25] Current Employer: TESTS HAIR SALON
[29] SUMMARY SECTION (provides synopsis of file items): [26] Since, Left, Position, Salary: , , OWNER,
Pub/Other - Number of Public Record or Other information found in the [27] Former Employer: HILTON HOTEL
Public Record section. Since, Left, Position, Salary: , , HAIR STYLIST,
[28] Second Former Employer: DISNEY CRUISE LINE
Trade Oldest - Newest: Oldest opening date of trade and most recent City, Province: TOR, ON
reporting date of trade. Since, Left, Position, Salary: 04/1999, 02/2001, HAIR STYLIST, 1900
Total - Total number of trades on the file. Verified, Status: 02/2001,
High Credit - High credit range of trades on file.
Rating for R/O/I/M/C: Ratings of the trades on file. R = Revolving [29] Summary (Subject 1)
account, I = Installment account O = Open account, M = Mortgage Pub/Other Trade Oldest-Newest Total High Credit Rating for R/O/I/M/C
account and C = Line of Credit 4 01/2001 - 06/2004 3 2800 - 28K 1-One, 1-Two, 1-Other
[30] Public Records/Other Information (Subject 1)

[31] Information from Bankruptcy Superintendent: [30] PUBLIC RECORDS OR OTHER INFORMATION: Information obtained
Filed Type Court Name Court No Liab Asset Filed By
from Public Sources.
01/2000 Ind MIN OF ATTORNEY GEN 472VF00022 2 8 0 0 0 480 Subject [31] Bankruptcies: A person legally declared to be unable to pay debts
Case No/Trustee: 22855 MORRIS ETAL (date filed, type of action, [IND for personal; BUS for business], court
Disposition: Discharged. 10/2001 name, court code, liability, assets, filer [subject, spouse or both], case
Description: Bankrupt Absolute Discharge number and trustee, disposition of bankruptcy and description of the
bankruptcy).
[32] Collection:
[32] Third party collections: A debt which a creditor is unable to collect
Rptd Type Amt DLA Bal Reason Ledger Number and hires a third party to do so (name of third party collection agency,
NORDON COLLECTION, 481YC00036 collection agency member number, reported date, type of collection [UP
04/2002 Unpaid 482 01/2002 482 Unknown 1111111 CL - unpaid collection or PD - paid collection], original amount of
Verified Date: 04/2002 collection, date of last activity with credit grantor, balance as of date
Acct/Creditor: 55555 SEARS reported, reason, ledger number, verified date, Credit grantor and
Description: Subject disputes this account account number, description).
[33] Secured Loan:
[33] Secured loans: A chattel mortgage, registered loan, or registered lien
is a loan where the debtor has given personal property as collateral
Filed Court Name Court No Maturity and the loan is registered with the provincial government. This is not
08/2002 CENT REG TOR 481VC00214 12/2004 derogatory information. (Secured loans are not extended in the province
Creditor/Amt: SUPERIOR CREDIT 9 ELLIS AV TOR 3600 of Quebec.) [Date reported; name of reporting government agency;
Description: Security Disposition Unknown member number of reporting agency, maturity date of the loan, name
and address of creditor; amount of loan; Description of loan status].
[34] Judgment:
[34] Judgments: A court order against a debtor for payment of monies
Filed Type Court Name Court No Amt Status Date Vrfd owing (date judgment granted or date filed; judgment status [ST JD -
05/2002 Jdgm 481VC00297 4800 satisfied judgment, JD GT - judgment]; court identification number/name
Defendant: Test File of court; amount of judgment; defendant; judgment number; plaintiff;
Case No: 55555/02 status of judgment [satisfied, unsatisfied or disposition unknown] and
Plaintiff: TRANS CANADA CREDIT date, when applicable).
Description: Disposition Unknown
Other public record information may include foreclosures, credit
[35] Trade Information (Subject 1) counseling, and orderly payment of debt (OPD).
Member Trades: [35] TRADE INFORMATION
Bus/ID Code: Company name and/or telephone number and/or
Bus/ID Code Rptd Opnd H C Terms Bal PDA Rt 30/60/90 M R DLA customer number.
CIBC (999) 999-9999 Second Line:
*J 007BB01351 06/2004 04/2001 28K 555 4200 555 I2 4/3/1 2 1 04/2004
RPTD - Date item was reported to Equifax.
Prev Hi Rates: I3-07/2002, I4-06/2002, I5-02/2002
Account: 8454545 OPND - Date account was opened with credit grantor.
Description: Personal Loan H/C - High credit on the account; the highest amount owed or credit
Semi-Monthly Payments limit.
ZELLERS TRMS - Monthly repayment amount.
*I 650DV00014 06/2004 01/2001 28002 6 2555 R 1 0/0/0 1 6 05/2004 BAL - Balance owing as of date reported.
Account: 845555555 PDA - Past due amount as of date reported (shown if applicable).
Description: Amount in H/C Column is credit limit
Monthly Payments
RT - Type of account and manner of repayment: see Trade Information
TD VISA (999) 999-9999 Descriptions and Manner of Payment (North American Standard ratings)
*650ON00044 06/2004 0/0/0 for detailed rating descriptions
Status: Lost or stolen card 30/60/90 - Number of times subject has been 30, 60 or 90 days past due
with this account
[36] Credit Utilization: 22% 30800 6755 MR - Months Reviewed - the number of times or months this account has
reported
[37] Banking (Subject 1)
DLA - Date Last Activity - Date of last activity with this account, could be
Checking/Saving: purchase date, last payment date or in worst case, write off date.
Rptd Opnd Amount Account No Account Type * Indicates the information was updated by an accounts receivable tape.
BANQUE SCOTIA, 001BB05697, (999) 999-9999 Prev Hi Rates - relates to the 30/60/90 section provides ratings and
06/2004 09/1999 L5F Checking/Saving Account dates of the 3 most recent delinquencies
Nb NSF, Status: 4 NSF 2002, Description - Provides additional information about the account.
[38] Consumer Declaration (Subject 1)
[36] Credit Utilization: Provides the percentage that the customer has
Rptd, Purge: 06/2004, 06/2005 utilized their credit by dividing balances by high credit. The total of all
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT open high credit amounts and all open account balances are also
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU ACCESS THIS FILE displayed.
AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE CUSTOMER THAT IT IS LEGITIMATE [37] BANKING INFORMATION SECTION:
BEFORE EXTENDING CREDIT/PHONE (123)456-7890 Type of account, name and telephone number of institution; date item
was reported to Equifax; Type of account; customer’s member number;
End Of Report
date account was opened with credit grantor; balance of account
(approximate range); additional information on account.
[38] CONSUMER STATEMENT SECTION: Rptd, Purge: Date reported and
date information will be deleted from the credit report - Declaration:
Statement the consumer or subject added to the file to explain
discrepancies or other comments.
TRADE INFORMATION DESCRIPTIONS
Types of accounts:
O - Open account (30 days or 90 days)
R - Revolving or option (open-end account)
I - Installment (fixed number of payments)
C - Line of Credit
M - Mortgage

Manner of payment (North American Standard account ratings):

0 - Too new to rate; approved but not used.
1 - Pays (or paid) within 30 days of payment due date or not over one payment past due.
2 - Pays (or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than two payments past due.
3 - Pays (or paid) in more than 60 days from payment due date, but not more than 90 days, or not more than three payments past due.
4 - Pays (or paid) in more than 90 days from payment due date, but not more than 120 days, or four payments past due.
5 - Account is at least 120 days overdue but is not yet rated "9".
7 - Making regular payments under a consolidation order or similar arrangement.
8 - Repossession (voluntary or involuntary return of merchandise).
9 - Bad debt; placed for collection; skip.

GLOSSARY
Key words are specific abbreviations in various sections of the credit file. Please use this list to interpret the abbreviations
when you see them.
A Spousal account EMP Date employed O Own or open account
ACC Account number ES Employment - subject OPD Orderly payment of debt
AGE Age of subject E2 Subject's second former Employment P Separated
AKA Also known as FA Former address PD Date paid
B Both FAD File activity date P/D Past due amount
BAL Balance FB Foreign bureau PR/BK Proposal under bankruptcy
BDS Birth date - Subject FN File number or former name (depends on line) PR/OI Public records or other information
BKRPT Bankruptcy FORCL Foreclosure R Revolving account
BRN Creditor's name and/or address FS Date file was established RPTD Date reported
BUS Business GARN Garnishment RT Current rating
BUS Business industry code H/C High Credit S Single
CA Current address I Installment (account/individual) SAVAC Savings account
CASE NO. Case number ID Identification information SECLN Secured loan
CDC Consumer debt counseling IND Individual SINCE Date file was established
CF Co-subject's former employment INQS Inquiries SPECL Special notice item
CHKAC Chequing account IN VOL Involuntary SSC Social insurance/spouse
CRCLD Court consolidation INVER Indirectly verified SSS Social insurance/subject
CRT Update by in-house operator J Joint STJD Satisfied judgment
D Divorced JUDG Judgment STS System-to-system customer
DAPA Debtor assistance pool account LEFT Date left employment TRMS Terms
DEF Defendant LIAB Liabilities (amount) U Unknown
DEPS Dependants LWR Lawyer UN Unique file number
DIS Dispute following resolution M Married UPCL Unpaid collection
DLA Date of last activity MAR Marital status VER Date verified
DN Death notice MATURE Date of maturity VLDEP Voluntary deposit
DVFD Divorce filed MR Months reviewed VOL Voluntary
DVFL Divorce final N/RES Non-responsibility notice W Widow, widower
EC Spouse's current employment NSF Non-sufficient funds XX Automatic combine
EF Spouse's former employment NV Not Verified

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