359 lines
13 KiB
Plaintext
359 lines
13 KiB
Plaintext
ZDDDDDDDDDDDDDDDDDD? IMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM; ZDDDDDDDDDDDDDDDDDD?
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3 Founded By: 3 : Network Information Access : 3 Mother Earth BBS 3
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3 Guardian Of Time 3D: 04JUN90 :D3 NUP:> DECnet 3
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3 Judge Dredd 3 : Guardian Of Time : 3Text File Archives3
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@DDDDDDDDBDDDDDDDDDY : File 34 : @DDDDDDDDDBDDDDDDDDY
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3 HMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM< 3
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3 IMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM; 3
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@DDDDDDDDDDD6 THE TRW CREDIT PROFILE REPORT :DDDDDDDDDDDY
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HMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM<
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$_Introduction
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TRW has changed their format once more, I will try to copy in the exact
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format of their New Easy To Read Credit Reports, this way, if you happen to
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pull one, come across one, you'll know that its TRW and then you'll know how
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to read them.
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* WARNING: The LINE LENGTH of this file IS over 80 Colums, do to the fact
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* WARNING: That TRW's Credit Report is Impossible to read in regular 80
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* WARNING: Column Format, so this will take some LONG LINES. Just dump this
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* WARNING: File directly to your printer do NOT ATTEMPT TO READ OFF SCREEN!!
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$_Begin
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THE TRW CREDIT PROFILE REPORT
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W/ imput from our subscribers, the TRW Credit Profile report was designed in
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an easy to read format. Information has been included which will enhance
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your decision-making capabilities. Similar data elements are grouped
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together so you can analyze data faster.
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Files on nearly 170 million credit active consumers nationwide are
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maintained in the TRW data base. Your inquiry initiates a search of this
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data base which produces an applicat's credit history -- The TRW Credit
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Profile report. An illustration and description of a sample Profile report
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are shown in this brochure.
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1 A code which identifies the TRW or Credit Bureau Office nearest to the
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consumer's current address. Use for Consumer referrals.
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2 Consumer's name/address as recorded on automated subscriber tapes,
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including date of most recent update.
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3 Consumer's Social Security Number.
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4 Consumer's Year Of Birth.
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5 Spouse's First Name Initial.
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6 Employer's name/address as reported via a subscriber inquiry as of the
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date shown.
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7 FACS+ Summary: Contains messages related to the FACS+ fraud prevention
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Services
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8 Message which displayes if a consumer's Socieal Security number has not
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been issued or if the number is not valid, based on a check of Social
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Security Administration Records.
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9 The number of previous inquiries using this consumer's Social Secuirty
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number w/in the last four months. ( OPTIONAL ).
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10 The number of previous inquiries using this consumer's current address
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w/n the last for months ( OPTIONAL ).
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11 The nonresidential type of establishment, address and telephone number
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displays if a consumer's address matches an address listed in TRW's file of
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nonresidential addresses.
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12 The Profile Summary: contains 16 significant calculatins from the Profile
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report ( OPTIONAL ).
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13 The total number of public record items.
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14 Total installment loan account balance owed by the consumer.
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15 Total real estate loan account balance owed by the consumer.
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16 total revolving charge account balance owed by the consumer.
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17 Total dollar amount of past due payments owed by the consumer.
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18 The combined total of scheduled and estimated monthly payments owed by
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the consumer.
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19 Total dollar amount of real estate payments owed by the consumer.
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20 Total percentage of revolving credit still available to the consumer.
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NOTE: AN ASTERISK FOLLOWING ANY PROFILE SUMMARY TOTAL INDICATES NOT ALL
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TRADE LINES HAD AN AMOUNT WHICH COULD BE INCLUDED IN THE TOTAL.
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21 Total number of inquiries.
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22 Total of inquiries w/in six months preceding the date of the Profile
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report.
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23 Total number of trade lines on the Profile report.
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24 Total of accounts which have been paid satisfactory or paid after having
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been previously delinquent.
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25 Total of accounts which are current or paid satisfactory.
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26 Total of account which were delinquent or derogatory, and either have
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been paid in full, or brought current.
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27 Total of acocunts which were delinquent or derogatory, and either have
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been paid in full, or brought current.
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28 The date the oldest trade line on the report was opened.
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29 Risk Modem Score: Generated if you use one of TRW's credit risk models.
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( OPTIONAL ).
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30 Score Factors: Codes which contributed to the risk model score generated
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if you use one of TRW's credit risk models. ( OPTIONAL ).
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31 Public Record: court name, case number, filing date, plaintiff, court
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code, amount and type of public record. Public record information consists
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of bankruptcies, liens, and jugments against a consumer.
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32 An asterisk preceding public record information or a trade line indicates
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that information may need further review.
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33 Reporting subscirber's name.
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34 Consumer's account number.
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35 Reporting subscriber's identification number.
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36 Type of account.
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37 Terms of account.
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38 Code descirbing consumer's association to the account per the Equal
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Credit Opportunity Act.
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39 Date the account was opened.
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40 Balance Date: the date balance information was extracted from the
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subscribers receivable file
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41 Date of consumer's last payment on the account.
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42 The amount of the loan or credit establsihed.
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43 Indicates if the amount is an original loan (0), credit limit (L), high
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balance (H), or charge-off (C).
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44 Current balance of the account.
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45 Monthly payment amount the consumer is scheduled to pay each month on the
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account. NOTE: A scheduled monthly payment is indicated if there is no
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qualifying character directly after the amount.
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46 Estimated Monthly payment amount: Indicated by the qualifying character
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"E" directly after the monthly payment amount.
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47 Status Date: The date the account status was reported to TRW:
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48 The Amount pas due for the account.
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49 Account status comments indicate the payment condition of the account as
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the status date.
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50 The consumer's payment history during the past 24 months. The codes
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reflect the status of the account for each month and are displayed for
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balance reporting subscirbers only.
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C CURRENT
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N CURRENT ACCOUNT/ZER BALANCE REPORTED
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1 30 DAYS PAST THE DUE DATE
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2 60 ""
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3 90 ""
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4 120 ""
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5 150 ""
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6 180 ""
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- (DASH) No history reported for that month
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Blank No history maintained; see account status comment.
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51 Inquiries: Indicate a Profile report was received by the subscriber
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listed. Inquiring subscriber, account number, date of inquiry and
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subscriber identification number are shown. Type, terms and amount may
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display and are from the subscriber's inquiry input for that particular
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report.
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52 Profile report messages: display certain differences between consumer
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identifying information supplied in the inquiry and information in the data
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base.
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53 Name, address and telephone number of TRW office or credit Bureau nearest
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to the consumer's current address. Use for consuer referrals ( OPTIONAL ).
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THE TRW CREDIT PROFILE REPORT MESSAGES
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>>>>>CHECKPOINT>>>SSN NOT ISSUED AS OF 08/87
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This checkpoint message appears on the Profile report if the applicant's
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Social Security Number has not been issued as of the date displayed in the
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message. In general, Checkpoint messages alert you to pertinent information
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about specific applicant identifiers. When you see a Checkpoint message,
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you may want to further investigate the information supplied by the
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applicant.
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>>>>>CHECKPOINT>>>SS# is 524479971
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A Checkpoint variation message will appear when the information in TRW's
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file relating to the applican't SSN, generation or year of birth does not
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correspond to the information entered in the subscribers inquriy. IT IS
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POSSIBLE THAT THE INFORMATION MAY NOT PERTAIN TO THE INDIVIDUAL INQUIRED
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UPON.
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>>>>>CHECKPOINT>>>AKA SEARCH LASTNAME IS SMITH>>>
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The AKA Search enhancement is designed to automatically retreive and display
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additional consuer data associated w/ alternative suernames such as aliases,
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misspelled names and maiden or previous surnames. ( DITTO ).
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>>>>>CHECKPOINT>>>NICKNAME SEARCH 1ST NAME IS BOB>>>
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The Nickname Search enhancement includes a Nickname Table con taining
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alterative first names which may be used by an individual. This Nickname
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Table is automaticalled referenced for each inquiry and searches w/ both the
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given name and the nickname to retrieve additonal credit information on an
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individual ( DITTO ).
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-----ATTN FILE VARIATION: MID INIT IS J
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A File Variation message will appear when there are variations in minor
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identifiers in TRW's file relating to the applican'ts middle initial, spouse
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intial, street initial, last 3 digits of the zip code or the socond and
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their characters of the first name ( DITTO ).
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-----FILE IDENT:MID INIT IS Q
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A File Ident message will appear when information is not given on input, but
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exists on file.
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* CAUTION * THE ABOVE REPORT MAY CONTAIN ITEMS FOR OTHER MEMBERS OF THE SAME
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FAMILY
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This message may appear when names and addresses are similar. It means that
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closer checking of the application or w/ the applicant may be necessary.
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*****AUTO-FILE-CONTAINS AUTOMATED SUBSCRIBER INFORMATION ONLY*****
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This message indicates geographic areas which, in general, conatin data
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received from national companies. Local credit grantor and public record
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information is not yet available.
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* CONSUMER STATEMENT *
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TRW Credit Data will accommodate statements on the Profile report in
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accordance w/ the FAIER CREDIT REPORTING ACT and state reporting laws.
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CREDIT PROFILE
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TRW
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TCA1
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RTS 312250X1J CONSUMER JONATHON QS.,10655 B 9052,
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P-1314 S 92708,235 E 14202, S-548603388,Y-1951,T-18010005,
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E-AJAX HADWARE/2035 BROADWAY/LOS ANGELES CA 90019,L-BIRCH
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PAGE 1 DATE: 2-28-90 TIME:11:23:14 PHP26 V177 TCA1
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[1]
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JONATHON QUINCY CONSUMER [2] SSN: 548-60-3388 [3] EMPL: AJAX HARDW
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ARE [6]
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10655 BIRCH STREET YOB: 1951 [4] 2035 BROADWAY
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BURBANK CA 91502 SPOUSE: S [5] LOS ANGELES CA 9
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0019
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REPTD: 12-88 RPTD: 4-87
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FACS+ SUMMARY: [7]
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SSN NOT ISSUED AS OF 12-89 [8] TELEPHONE ANSWER
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ING SVC: [11]
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ABC ANSWER-ALL
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FROM 11-01-89 # OF INQS W/ THIS SSN=8 [9] 10655 BIRCH STRE
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ET
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FROM 11-01-89 # OF INQS Q/ THIS ADDR=15 [10] 213.555.1212
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PROFILE SUMMARY: [12]
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PUBLIC RECORDS-----1[13] PAST DUE AMT-------$956[17] INQUIRIES-----3[21] SATIS A
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CCTS-----2[25]
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INSTAL BAL----24,078[14] SCH/EST PAY-----$1,000*[18] INQS/6 MOS----0[22] NOW DEL
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/DRG-----1[26]
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R ESTATE BAL-----N/A[15] R ESTATE PAY--------N/A[19] TRADLINES-----5[23] WAS DEL
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/DRG-----2[27]
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REVOLVING BAL---$437[16] REVOLVING AVAIL-----83%[20] PAID ACCTS----1[24] OLD TRA
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DE-------5[28]
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NATIONAL DERIVED RISK SCORE = 259 [29] SCORE FACTORS: F,A,J,D [30]
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PUBLIC RECORDS:
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$ CO SPR CT SANTA ANA 10-19-86 30199999 $1,200 JUDGMT S
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AT [31]
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CASE: 7505853 PLAINTIFF: ALLIED COMPANY
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SUBSCRIBER DATE OPN AMT/TYPE A
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CCT STATUS
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ACCOUNT # BAL DATE BALANCE STATUS DATE P
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YMT HISTORY
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SUBSCR # TYPE TERMS ECOA LAST PAY MONTH PAY $PAST DUE I
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N PRIOR MOS
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[33] [42]
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* MOUNTAIN BK[33] 1-87[39] $43,000 O[43]
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30 3 TIMES[49]
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3562A0197325346R5[34] 1-26-90[40] $19,330 [44] 1-90 [47]
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CCCCCC1C1CCC[50]
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1139999[35] sec[35] 60[37] 2[38] 12-89[41] $956 [45] $956 [48]
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CCCCCCCCCCCC
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HILLSIDE BK 3-89 $6,300 O
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CURR ACCT
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29144 5C8119 1-15-90 $4,748 1-90
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CCCCCCCCC
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31499999 AUT 48 5 12-89
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**** ACCOUNT WAS IN DISPUTE-NOW RESOLVED-REPORTED BY SUBSCRIBER ****
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HEMLOCKS 10-89 $1,00 L C
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URR ACCT
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98E543184026 2-05-89 $437 2-90 NC
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CC
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330999 CHG REV 2 $44[46]
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INQUIRIES:
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CAL AUTO 3-22-89 $8,7000 1926599[51]
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1016597317
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AUT 48
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HILLSIDE BK 2-18-89 3149999
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++++++ MORE
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TCA1 RTS 31222250X1J CONSUMER JONATHON QS.,10655 B 91502
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--------------------------------------------------------
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PAGE 2 | DATE 2-28-90 | TIME 11:23:14 | PHP26 | V177 | TCA1
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>>>>>>CHECKPOINT>>>> SS# IS 548063388/OTHER FILE IDENT: ZIP IS 91503[52]
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CONSUMER RELATIONS CONTACT: CREDIT BUREAU OF SOUTHERN CALIFORNIA[53]
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100 OCEAN BLVD, SANTA MONICA CA 92000 818.222.0000
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END -- TRW
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$_End Of NIA File
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$_NIA NOTE:
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TRW Credit Data Division is Copy Righted 1990 TRW is the name and mark of TRW
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Inc. Printed in USA 7063/745 Rev. 03/90
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TRW Credit Data Division
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505 City Parkway West
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Orange, Ca 92668
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[OTHER WORLD BBS]
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