Credit Report Record-ChexSystems

ChexSystems is third-party software which, like the credit bureaus, stores information in Credit Report records and can provide various account verification services.

ChexSystems performs identity screen and fraud protection. It uses the following fields in the Credit Report record. Each field is defined below. These fields apply only to credit unions with the Credit Retrieval System and ChexSystems installed. If you do not have the Credit Retrieval System and ChexSystems, a PowerOn specfile will not find any of these fields in the Account file, and you cannot access the Credit Report record for file maintenance.

If you choose to Copy Another Cred Rep, Symitar Quest updates all the fields in this Credit Report record from the corresponding fields in the Credit Report record you specify, and each field has a source of Calculated real time. This section indicates only the other sources each field can have.

ChexSystems requests use the following fields in the Credit Report record. Each field is defined below:

Request Number

Symitar Quest assigns this number when you create a credit report request. You cannot revise this field.

User

Symitar Quest updates this field with the user number of the person who creates a credit report request. You cannot revise this field.

Symitar Quest does not send this field in the inquiry message for a Consumer Add IDV Action request or a Consumer Add OFAC Override request.

Request Date

Symitar Quest updates this field with the current AIX system date when you create a credit report request. You cannot revise this field.

Request Time

Symitar Quest updates this field with the current system time when you create a credit report request. You cannot revise this field.

Queue Code

This field lets you specify when a credit report request should be queued and sent to a credit bureau.

• Enter (0) Immediate to send a credit report request immediately. Symitar Quest sends the request to the credit bureau as soon as the Credit Retrieval System can secure a modem.
• Enter (1) After to send the credit report request after a specified date and time. When the system date and time reach the specified Queue After Date and Queue After Time, Symitar Quest sends the request to the credit bureau as soon as the Credit Retrieval System can secure a modem.

Queue After Date

If you specify (1) After at the Queue Code field, you can enter the date on which or after which Symitar Quest should queue the credit report request to be sent to the credit bureau. You cannot access this field if you specify (0) Immediate at the Queue Code field.

Queue After Time

If you specify (1) After at the Queue Code field, you can enter the time of day after which Symitar Quest should queue the credit report request to be sent to the credit bureau. You cannot access this field if you specify (0) Immediate at the Queue Code field.

Completion Code

Symitar Quest updates this field with the current status of the credit report request:

• (0) Pending if the request is still in the queue
• (1) Completed if the request was completed successfully
• (2) Too Large if the returned credit report is larger than the Credit Retrieval System can handle (this status seldom occurs)
• (3) Incomplete if the credit bureau found unacceptable information in your request and sent back an error message
• (4) Canceled if the request was canceled
• (5) Modem Problem if the request was not completed successfully because of a modem-related problem (a busy phone line, no dial tone, a handshake failure, a faulty modem, Internet communication, a faulty cable, or a modem that needs to be reset)
• (6) Protocol Problem if the request was not completed successfully because of a transmission protocol problem

You cannot revise this field.

Completion Date

Symitar Quest updates this field with the current system date when the credit bureau responds to the credit report request. You cannot revise this field.

Completion Time

Symitar Quest updates this field with the current system time when the credit bureau responds to the credit report request. You cannot revise this field.

Bureau

This field identifies the credit bureau from which you request the credit report. Enter (4) ChexSystems to run a ChexSystems report. The Credit Retrieval System automatically updates the Subscriber Code and Password fields with the subscriber code and password we have set up for you.

Birth Date

Enter the subject’s birth date.

If you update the Name/Employment screen from an existing Name record, Symitar Quest updates this field with the Birth Date from the Name record you specify.

If you update the Name/Employment screen from an existing Application Person record, Symitar Quest updates this field with the Birth Date from the Application Person record you specify.

If you update the Name/Employment screen from an existing Credit Report record, Symitar Quest updates this field with the Birth Date from the Credit Report record you specify.

FIS requires this field when you send requests for ID Verification. It is optional for the Consumer Address Analysis request.

Spouse Birth Date

Enter the subject spouse’s birth date.

If you update the Spouse screen from an existing Name record, Symitar Quest updates this field with the Birth Date from the Name record you specify.

If you update the Spouse screen from an existing Application Person record, Symitar Quest updates this field with the Birth Date from the Application Person record you specify.

If you update the Spouse screen from an existing Credit Report record, Symitar Quest updates this field with the Birth Date from the Credit Report record you specify.

Inquiry Type

For consumer accounts (Commercial Code = 0), choose from the following options:

• (1) ChexSystems Suite: To request reports from the Business ChexSystems suite
• (2) Add IDV Action: To update a previously pulled IDV report with Action Text.
• (3) Add IDV Override: To update a previously pulled IDV Report with Override Text.
• (4) Add OFAC Override: To update a previously pulled OFAC Report with Override Text.
• (5) Address Analysis: To request an Address Analysis report.
• (6) Red Flag Alert: To request a Red Flag Checklist report.
• (7) Red Flag Updates: This option is available to the PULLCREDITREPORT PowerOn specfile. It may not be available from the screen; or if available, you cannot select it. This option indicates that you should run the ChexSystems Red Flag Update specfile.

For business accounts (Commercial Code= 1), only the first five options are available. Neither Red Flag option (6or 7) is valid for a business account inquiry. Selecting options 6 or 7 with a PowerOn specfile for a business account results in an error.

First Name

Consumer Address Analysis requests require this field.

Enter the subject’s first name (up to 20 characters). When you send the request, Symitar Quest includes only the first 12 characters in the request message for a Consumer Add IDV Action request.

If you enter an asterisk (*), Symitar Quest lists all Name records, Application Person records, and Credit Report records associated with the account and prompts for a Choice. Select the record you want to copy. For a consumer Add IDV Action request, Symitar Quest updates the name and address fields, phone number, SSN, birth date, and identification information with data from the record you specify. For a consumer Add OFAC Override request or consumer Red Flag request, Symitar Quest copies the name fields and SSN/TIN information.

Symitar Quest does not send this information in the Consumer Add IDV Action request, the Consumer Add OFAC Override request, or the Consumer Red Flag request

If you update the Name/Employment screen from an existing Name record, Symitar Quest updates this field with the First Name from the Name record you specify.

If you update the Name/Employment screen from an existing Application Person record, Symitar Quest updates this field with the First Name from the Application Person record you specify.

If you update the Name/Employment screen from an existing Credit Report record, Symitar Quest updates this field with the First Name from the Credit Report record you specify.

Middle Name

For this optional field, enter the subject’s middle name (up to 10 characters). When sending the inquiry message, Symitar Quest includes only the first character from this field for this interface.

Symitar Quest does not send this information in the Consumer Add IDV Action request, the Consumer Add OFAC Override request, or the Consumer Red Flag request.

If you update the Name/Employment screen from an existing Name record, Symitar Quest updates this field with the Middle Name from the Name record you specify.

If you update the Name/Employment screen from an existing Application Person record, Symitar Quest updates this field with the Middle Name from the Application Person record you specify.

If you update the Name/Employment screen from an existing Credit Report record, Symitar Quest updates this field with the Middle Name from the Credit Report record you specify.

Last Name

Required entry: Enter the subject’s last name (up to 20 characters).

If you update the Name/Employment screen from an existing Name record, Symitar Quest updates this field with the Last Name from the Name record you specify.

If you update the Name/Employment screen from an existing Application Person record, Symitar Quest updates this field with the Last Name from the Application Person record you specify.

If you update the Name/Employment screen from an existing Credit Report record, Symitar Quest updates this field with the Last Name from the Credit Report record you specify.

Consumer Address Analysis requests require this field.

Symitar Quest does not send this information in the Consumer Add IDV Action request, the Consumer Add OFAC Override request, or the Consumer Red Flag request.

SSN/TIN

Enter the subject’s Social Security Number or individual Taxpayer Identification Number.

If you update the Name/Employment screen from an existing Name record, Symitar Quest updates this field with the SSN/TIN from the Name record you specify.

If you update the Name/Employment screen from an existing Application Person record, Symitar Quest updates this field with the SSN/TIN from the Application Person record you specify.

If you update the Name/Employment screen from an existing Credit Report record, Symitar Quest updates this field with the SSN/TIN from the Credit Report record you specify.

This field is optional when sending requests for all FIS products.

Symitar Quest does not send this field in the Consumer Add IDV Action request, the Consumer Add OFAC Override request, the Consumer Red Flag request, or the business Add IDV Action request. It is optional for the Consumer Address Analysis request.

Spouse First Name

• Enter the subject spouse’s first name (up to 20 characters).
• If you enter an asterisk (*), Symitar Quest lists all Name records, Application Person records, and Credit Report records associated with the account and prompts for a Choice. Select the record you want to copy. Symitar Quest updates the fields on the Spouse screen with information from the record you specify.

If you update the Spouse screen from an existing Name record, Symitar Quest updates this field with the First Name from the Name record you specify.

If you update the Spouse screen from an existing Application Person record, Symitar Quest updates this field with the First Name from the Application Person record you specify.

If you update the Spouse screen from an existing Credit Report record, Symitar Quest updates this field with the Spouse****First Name from the Credit Report record you specify.

Spouse Middle Name

Enter the subject spouse’s middle name (up to 10 characters).

If you update the Spouse screen from an existing Name record, Symitar Quest updates this field with the Middle Name from the Name record you specify.

If you update the Spouse screen from an existing Application Person record, Symitar Quest updates this field with the Middle Name from the Application Person record you specify.

If you update the Spouse screen from an existing Credit Report record, Symitar Quest updates this field with the Spouse Middle Name from the Credit Report record you specify.

Spouse Last Name

Enter the subject spouse’s last name (up to 20 characters).

If you update the Spouse screen from an existing Name record, Symitar Quest updates this field with the Last Name from the Name record you specify.

If you update the Spouse screen from an existing Application Person record, Symitar Quest updates this field with the Last Name from the Application Person record you specify.

If you update the Spouse screen from an existing Credit Report record, Symitar Quest updates this field with the Spouse Last Name from the Credit Report record you specify.

Spouse SSN/TIN

Enter the subject spouse’s Social Security Number or individual Taxpayer Identification Number.

If you update the Spouse screen from an existing Name record, Symitar Quest updates this field with the SSN/TIN number from the Name record you specify.

If you update the Spouse screen from an existing Application Person record, Symitar Quest updates this field with the SSN/TIN number from the Application Person record you specify.

If you update the Spouse screen from an existing Credit Report record, Symitar Quest updates this field with the Spouse SSN/TIN from the Credit Report record you specify.

Curr Address Street Name

Required entry:

• Enter the subject’s current street address (up to 40 characters).
• If you enter an asterisk (*), Symitar Quest lists all Name records, Application Person records, and Credit Report records associated with the account and prompts for a Choice. Select the record you want to copy. Symitar Quest updates the fields on the Current Address screen with information from the record you specify.

If you update the Current Address screen from an existing Name record, Symitar Quest updates this field with the Street Address from the Name record you specify.

If you update the Current Address screen from an existing Application Person record, Symitar Quest updates this field with the Street Address from the Application Person record you specify.

If you update the Current Address screen from an existing Credit Report record, Symitar Quest updates this field with the Curr Address Street Name from the Credit Report record you specify.

Curr Address City

Enter the city in the subject’s current address (up to 20 characters).

If you update the Current Address screen from an existing Name record, Symitar Quest updates this field with the City from the Name record you specify.

If you update the Current Address screen from an existing Application Person record, Symitar Quest updates this field with the City from the Application Person record you specify.

If you update the Current Address screen from an existing Credit Report record, Symitar Quest updates this field with the Curr Address City from the Credit Report record you specify.

FIS requires this field for a Consumer Address Analysis request.

Curr Address State

Enter the two-character U.S. Postal Service code for the state in the subject’s current address.

If you update the Current Address screen from an existing Name record, Symitar Quest updates this field with the State from the Name record you specify.

If you update the Current Address screen from an existing Application Person record, Symitar Quest updates this field with the State from the Application Person record you specify.

If you update the Current Address screen from an existing Credit Report record, Symitar Quest updates this field with the Curr Address State from the Credit Report record you specify.

FIS requires this field for a Consumer Address Analysis request.

If you copy this field from a record where the state name is spelled out, Symitar Quest converts the state name into the two-character state code.

Curr Address Zip Code

Required entry: Enter the ZIP Code in the subject’s current address (xxxxx or xxxxx-xxxx). The Credit Retrieval System removes the hyphen in the 9-digit format.

If you update the Current Address screen from an existing Name record, Symitar Quest updates this field with the Zip Code from the Name record you specify.

If you update the Current Address screen from an existing Application Person record, Symitar Quest updates this field with the Zip Code from the Application Person record you specify.

If you update the Current Address screen from an existing Credit Report record, Symitar Quest updates this field with the Curr Address Zip Code from the Credit Report record you specify.

Curr Home Phone

Enter the phone number at the subject’s current address (xxx-xxx-xxxx or xxxxxxxxxxx).

If you update the Current Address screen from an existing Name record, Symitar Quest updates this field with the Home Phone from the Name record you specify.

If you update the Current Address screen from an existing Application Person record, Symitar Quest updates this field with the Home Phone from the Application Person record you specify.

If you update the Current Address screen from an existing Credit Report record, Symitar Quest updates this field with the Curr Home Phone from the Credit Report record you specify.

Prev Addr 1 Street Name

• Enter the subject’s previous street address (up to 40 characters).
• If you enter an asterisk (*), Symitar Quest lists all Name records, Application Person records, and Credit Report records associated with the account and prompts for a Choice. Select the record you want to copy. Symitar Quest updates the fields on the Current Address screen with information from the record you specify.

If you update the Previous Address screen from an existing Name record, Symitar Quest updates this field with the Street Address from the Name record you specify.

If you update the Previous Address screen from an existing Application Person record, Symitar Quest updates this field with the Street Address from the Application Person record you specify.

If you update the Previous Address screen from an existing Credit Report record, Symitar Quest updates this field with the Prev Addr 1 Street Name from the Credit Report record you specify.

FIS requires this field for a Consumer Address Analysis request.

Prev Addr 1 City

Enter the city in the subject’s previous address (up to 20 characters).

If you update the Previous Address screen from an existing Name record, Symitar Quest updates this field with the City from the Name record you specify.

If you update the Previous Address screen from an existing Application Person record, Symitar Quest updates this field with the City from the Application Person record you specify.

If you update the Previous Address screen from an existing Credit Report record, Symitar Quest updates this field with the Prev Addr 1 City from the Credit Report record you specify.

FIS requires this field for a Consumer Address Analysis request.

Prev Addr 1 State

Enter the two-character U.S. Postal Service code for the state in the subject’s previous address.

If you update the Previous Address screen from an existing Name record, Symitar Quest updates this field with the State from the Name record you specify.

If you update the Previous Address screen from an existing Application Person record, Symitar Quest updates this field with the State from the Application Person record you specify.

If you update the Previous Address screen from an existing Credit Report record, Symitar Quest updates this field with the Prev Addr 1 State from the Credit Report record you specify.

FIS requires this field for a Consumer Address Analysis request.

Prev Addr 1 Zip Code

FIS requires this field for a Consumer Address Analysis request.

Enter the ZIP Code in the subject’s previous address (xxxxx or xxxxx-xxxx). The CRS removes the hyphen in the 9-digit format.

If you update the Previous Address screen from an existing Name record, Symitar Quest updates this field with the Zip Code from the Name record you specify.

If you update the Previous Address screen from an existing Application Person record, Symitar Quest updates this field with the Zip Code from the Application Person record you specify.

If you update the Previous Address screen from an existing Credit Report record, Symitar Quest updates this field with the Prev Addr 1 Zip Code from the Credit Report record you specify.

Prev Addr 2 Street Name

• Enter a second previous street address for the subject (up to 40 characters).
• If you enter an asterisk (*), Symitar Quest lists all Name records, Application Person records, and Credit Report records associated with the account and prompts for a Choice. Select the record you want to copy. Symitar Quest updates the fields on the Current Address screen with information from the record you specify.

If you update the Previous Address screen from an existing Name record, Symitar Quest updates this field with the Street Address from the Name record you specify.

If you update the Previous Address screen from an existing Application Person record, Symitar Quest updates this field with the Street Address from the Application Person record you specify.

If you update the Previous Address screen from an existing Credit Report record, Symitar Quest updates this field with the Curr Address Street Name from the Credit Report record you specify.

FIS requires this field for a Consumer Address Analysis request.

Prev Addr 2 City

Enter the city in a second previous address for the subject (up to 20 characters).

If you update the Previous Address screen from an existing Name record, Symitar Quest updates this field with the City from the Name record you specify.

If you update the Previous Address screen from an existing Application Person record, Symitar Quest updates this field with the City from the Application Person record you specify.

If you update the Previous Address screen from an existing Credit Report record, Symitar Quest updates this field with the Prev Addr 2 City from the Credit Report record you specify.

FIS requires this field for a Consumer Address Analysis request.

Prev Addr 2 State

Enter the two-character U.S. Postal Service code for the state in a second previous address for the subject.

If you update the Previous Address screen from an existing Name record, Symitar Quest updates this field with the State from the Name record you specify.

If you update the Previous Address screen from an existing Application Person record, Symitar Quest updates this field with the State from the Application Person record you specify.

If you update the Previous Address screen from an existing Credit Report record, Symitar Quest updates this field with the Prev Addr 2 State from the Credit Report record you specify.

FIS requires this field for a Consumer Address Analysis request.

Prev Addr 2 Zip Code

FIS requires this field for a Consumer Address Analysis request.

Enter the ZIP Code in a second previous address for the subject (xxxxx or xxxxx-xxxx). The CRS removes the hyphen in the 9-digit format.

If you update the Previous Address screen from an existing Name record, Symitar Quest updates this field with the Zip Code from the Name record you specify.

If you update the Previous Address screen from an existing Application Person record, Symitar Quest updates this field with the Zip Code from the Application Person record you specify.

If you update the Previous Address screen from an existing Credit Report record, Symitar Quest updates this field with the Prev Addr 2 Zip Code from the Credit Report record you specify.

Subscriber Code

This field specifies your credit union’s ChexSystems subscriber code.

• Press Enter to accept the default ChexSystems subscriber code Symitar Quest enters automatically when you specify (4) ChexSystems at the Bureau prompt.
• Enter a different ChexSystems subscriber code (up to 10 characters).

Symitar Quest includes this field in every request to the ChexSystems suite and Address Analysis Inquiry for both Business and Consumer accounts.

Requests using Add IDV Actions, Add IDV Override, **Add OFAC Override,**and Red Flag Checklist options do not accept a Subscriber Code. The field displays on screen for each of these requests, but Symitar Quest does not include it in the inquiry messages for the consumer Add IDV Action request or the consumer Add OFAC Override request.

This field defaults to a value specified in one of two places:

• For credit unions using custom coded CRS configurations, this value comes from the hard-coded subscriber code entries for your institution.
• For credit unions using Credit Retrieval Parameters, this value comes from the value you enter into the Credit Retrieval Parameters: ChexSystems' Subscriber Code parameter.

Password

This required field specifies your credit union’s ChexSystems password. An asterisk (*) is displayed in place of each character of the password.

• Press Enter to accept the default ChexSystems password Symitar Quest enters automatically when you specify (4) ChexSystems at the Bureau prompt.
• Enter a different ChexSystems password (up to 10 characters).

This field defaults to a value specified in one of two places:

• For credit unions using custom coded CRS configurations, this value comes from the PASSWORD element in the CHEXSYSTEMS.INFO help file.
• For credit unions using Credit Retrieval Parameters, this value comes from the value you enter into the Credit Retrieval Parameters: ChexSystems' Password parameter.

Bureau Info

Enter your ChexSystems User Identification Code (eight characters), a slash, your ChexSystems Preamble (four characters), a slash, and your U.S. Postal Service state code (2 characters). For example, enter ABCDE123/aBC1/CA.

Source

This field is set by Symitar Quest and indicates the source of the credit report when it was pulled:

• (0) indicates that the credit report was pulled directly from the credit bureau.
• (1) indicates that the credit report was created during demonstration mode (controlled in the configuration file).
• (2) to (29) are reserved for future use.
• (30) to (99) are credit union-defined and indicate that the credit report was created from a previously downloaded file pulled using a third-party system and transferred to Symitar Quest using the PowerOn PULLCREDITREPORT function in a specfile.

You cannot modify the value in this field.

Commercial Code

Set this field to (0) Consumer to pull reports from any FIS consumer request interface and to (1) Business for reports from any FIS business request interface.

Identification Number 1

Enter the identification number (such as a driver’s license number) for the subject of the inquiry.

For a Consumer Address Analysis request, FIS requires this field if information is also provided in theIdentification State 1 field.

Identification Number 2

Enter the identification number (such as a driver’s license number) for the spouse of the subject of the inquiry.

Identification State 1

Enter the two-character code for the state of residence for the subject of the inquiry.

For a Consumer Address Analysis request, FIS requires this field if information is also provided in theIdentification Number 1 field.

Identification State 2

Enter the two-character code for the state of residence for the spouse of the subject of the inquiry.

Strategy Type

This field sends the Strategy Type Identifier for a ChexSystems QualiFile credit report to FIS.

Enter a value specified by FIS to pull a credit report based on a defined Strategy Type.

You can only update this field when you set the Include QualiFile Report field to Yes. This applies to the CRS Creation screen and values set in Credit Retrieval Parameters.

This is an optional field as defined by FIS.

• Credit unions that use only a single QualiFile strategy do not need to enter anything in this field.
• If a credit union has more than one Strategy Type, FIS expects you to provide a Strategy Type with each request, even though the field is optional. We recommend that credit unions using more than oneStrategy Type create a help file to list eachStrategy Type they use. Symitar Quest cannot validate the values you enter into the field to verify whether the Strategy Type is one that your credit union defined.

When you send a Consumer or Business inquiry, do not include responses greater than five characters in length in this field.

Note: This functionality will only take effect if a QualiFile credit report is requested for a ChexSystems credit report.

User ID

When you queue the request, your user number goes into this required field. Symitar Quest sends this value as the LocationIDelement in the request message and specifies the default in one of two places:

• For credit unions using custom coded CRS configurations, this value comes from the USERID element in the CHEXSYSTEMS.INFO help file.
• For credit unions using Credit Retrieval Parameters, this value comes from the value entered into the Credit Retrieval Parameters: ChexSystems’ User IDparameter.

IP Address

Enter your credit union’s external firewall IP (Internet Protocol) address for use with ChexSystems (if your credit union uses this third-party add-on).

Service Bureau Indicator

This field, formerly used with ChexSystems, is now suppressed.

Test Environment

Select one of the following for use with ChexSystems:

• (0) No if you are not testing the pulling of ChexSystems reports using the eFunds test environment.
• (1) Yes if you are testing the pulling of ChexSystems reports using the eFunds test environment.

This required field directs Message Server 2 or Message Server Service to connect either to:

• The Production FIS™ web services interface (when you select No for this field)
• The Staging FIS web services interface (when you selectYes for this field)

This field defaults to a value specified in one of two places:

• For credit unions using custom coded CRS configurations, this value comes from the TEST element in the CHEXSYSTEMS.INFO help file.
• For credit unions using Credit Retrieval Parameters, this value comes from the value entered into the Credit Retrieval Parameters: ChexSystems’ Test Environment parameter.

Include NewAccountChex Report

FIS no longer offers the NewAccount Chex product.

Include QualiFile Report

• Select Yesto include the QualiFile information as part of the report.
• Select Noto exclude the QualiFile information from the report.

You may not answer Yes to this element when the answer to Include NewAccount Chex Report is also Yes. This applies to the CRS Creation screen and values you set in Credit Retrieval Parameters.

Changing the answer from Yes to No in this field also clears any entry made into the Strategy Type andInquiry Identifier fields.

Changing the answer from No to Yes in this field pulls in the default Strategy Typefrom Credit Retrieval Parameters or CHEXSYSTEMS.INFO.

This field defaults to a value specified in one of two places:

• For credit unions using custom coded CRS configurations, this value comes from the hard-coded subscriber information for your institution.
• For credit unions using Credit Retrieval Parameters, this value comes from the value entered into the Credit Retrieval Parameters: ChexSystems' Include QualiFile Report parameter.

Include IDV Report

• Select Yesto include identity verification information as part of the report.
• Select Noto exclude identity verification information from the report.

Changing the answer from Yes to No in this field will also clear any entry made into the Action Text and Record Textfields.

This field defaults to a value specified in one of two places:

• For credit unions using custom coded CRS configurations, this value comes from the hard-coded subscriber information for your institution.
• For credit unions using Credit Retrieval Parameters, this value comes from the value entered into the Credit Retrieval Parameters: ChexSystems' Include IDV Report parameter.

Include OFAC Report

• Select Yesto include Office of Foreign Assets Control (OFAC) information as part of the report.
• Select Noto exclude OFAC information from the report.

This field defaults to a value specified in one of two places:

• For credit unions using custom coded CRS configurations, this value comes from the hard-coded subscriber information for your institution.
• For credit unions using Credit Retrieval Parameters, this value comes from the value entered into the Credit Retrieval Parameters: ChexSystems' Include OFAC Report parameter.

Inquiry Identifier

Enter the identification number of the transaction.

This is a QualiFile optional field. Symitar Quest sends no value when the field is set to Not Specified.

You can perform file maintenance on this field only when the Include QualiFilefield is answered Yes.

Action Text

Use this free-form field to post “Additional Action” comments to the record along with the request. Alternatively, you may add comments after sending the request using an Inquiry Type of Add IDV Action.

Use this field as the User Defined Transaction Text for ID Verification requests from the ChexSystems suite or when requesting an Add IDV Actions.

Only ChexSystems’ ID Verification product uses this field. For IDV it is a required field, and you must include it for both consumer and business inquires.

You can only update this field when you set the Include IDV Report field to Yes.

Record Text

Enter a unique value to identify the consumer account. FIS displays this field and returns it as the account number attribute in the response object. You can search this field on the FIS website for reporting.

Only ChexSystems’ ID Verification product uses this field.

You can only update this field when you set the Include IDV Report field to Yes.

ID Verification OID

You must send this required field for both consumer and business inquires. The value in this field is the identification number of the transaction.

For a Consumer Red Flag request, use this field to request the Red Flag Checklist generated due to a previously completed ID Verification request. Provide the Transaction ID from that request.

For Business Address Analysis requests, use this field to link a previously pulled ID Verification report to this Address Analysis request. Create the link so you only need to pull one set of Red Flag Checklists that contains the combined Red Flags generated by the ChexSystems and Address Analysis products. If you do not link ID Verification to Address Analysis at this step, FIS needs two separate Red Flag queries: one set of Red flags for the ChexSystems suite, and one for Address Analysis.

For a Consumer Red Flag request, specify at least one of these fields:

• Address Analysis OID
• ID Verification OID
• ChexSystems Transaction ID 1-3
• Red Flag Alert Log ID

If Symitar Quest does not find an applicable report, it displays this message:

No report on the account matches the required criteria for this Inquiry Type

Include this field in the OID argument you send to the Add IDV Actions procedure.

If you enter a value in this field manually (not using the dialog window option to pull in data automatically), Symitar Quest only permits numeric entry. Symitar Quest updates no other fields for Business Address Analysis requests.

Note: Although this field accepts 38 characters, you can only send or receive 10 characters when communicating with FIS. If you enter more than 10 characters, this error message displays:

ID Verification OID
is longer than 10
characters

Override Text

Enter a reason for overriding the ID Verification “product failed response.”

You must send this required field for both consumer and business inquires.

OFAC OID

This is a required field.

Enter an asterisk (*) into this field to open a dialog window, from which you can pull in data from a previously pulled and completed consumer ChexSystems suite report that requested an OFAC report and returned a failed response.

You must send this field for both consumer and business inquires.

Following are selection criteria for elements to display in this drop-down:

• Credit Report Properties:
  • Completion Code: (1) Completed
  • Bureau: (4) ChexSystems
  • Version: (2) ChexSystems 5.1
  • Commercial Code: (0) Consumer or (1) Business
  • Inquiry Type: (1) ChexSystems Suite
  • Include IDV Report: Yes
• The element displayed must have one Cred Rep Item with a non-blank OFAC Transaction ID. (According to the FIS layout as of 5/3/2011):
  • Segment Type: 0123(0217 for Business Add OFAC Override requests)
  • Sub-segment Type: 1
  • Long Char 3 is not blank and is non-zero.
• The element displayed has one Cred rep Item field that indicates the OFAC Hitmust be false.
  • Segment Type: 0124 (0218for Business Add OFAC Override requests)
  • Sub Segment Type: 1
  • Ch1:1 has a value of T

If Symitar Quest finds no applicable report, it displays this message:

No report on the account matches the required criteria for this Inquiry Type

If Symitar Quest finds a report, the system:

• Copies the First Name, Middle Name, Last Name and SSN/TIN data from the credit report into the relevant fields on this Cred Rep record
• Copies theOFAC OID value from the relevant Credit Report Item record into the OFAC OID field
• Sends this field in the OID argument to the addOFACOverride procedure

If you manually enter a value in this field (not using the dialog box option to pull in data automatically), you can only make a numeric entry.

Account Number

This field is an optional field, but must you must enter the member’s account number if you make an entry in the R&T Number field.

RT Number

This is the routing and transit number. This field is an optional field, but you must enter the routing and transit number if you made an entry in the Account Number field.

Business Name

FIS requires this field for ChexSystems suite requests Symitar Quest does not send this field in a business Add IDV Action request, a business Add IDV Override request, or a business Add OFAC Override request.

Enter the name of the business or enter an asterisk (*) in this field to look up the business name from available Name, Credit Report or Person records. Entering the asterisk (*) also copies the business address and TIN from the associated Name record.

Business Type Code

Select one of the following:

• (00) Not Specified
• (01) General Partnership
• (02) Partnership (1065)
• (03) Limited Liability Partnership (LLP)
• (04) Limited Liability Corporation (LLC)
• (05) Corporation (1120)
• (06) C-Corporation
• (07) S-Corporation (1120S)
• (08) Sole Proprietor (1040 C)
• (09) Non-Profit Organization (990)

Business Street Address

FIS requires this field for QualiFile and ID Verification requests but not for OFAC requests.

Enter the street address for a business account or enter an asterisk (*) to look this up from available Name, Credit Report, or Person records. This will only fill out Business Street****Address Text, Business City Name, Business State, Business Zip Code and Business Phone fields.

Only the non-individual name format uses this field.

Business City

FIS requires this field for QualiFile and ID Verification requests but not for other FIS products.

Enter the city for a business account.

Business State

FIS requires this field for QualiFile and ID Verification requests but not for other FIS products.

Enter the state for a business account. Use the two-character U.S. Postal Service state code.

If you copy this field from a record where the state name is spelled out, Symitar Quest converts the state name into the two-character state code.

Business Zip Code

FIS requires this field for QualiFile and ID Verification requests, but not for other FIS products.

Enter the ZIP Code for a business account. If you are entering a 9-digit ZIP Code, do not use the hyphen (-). If you do, the CRS removes the hyphen.

Business Phone

This is an optional field.

Enter the phone number for a business account. Use thexxx-xxxx or xxx-xxx-xxxx format. The CRS removes the hyphens in either format.

Business Previous Street

FIS requires this field for QualiFile and ID Verification requests; it is optional for all other requests.

Enter the previous street address for a business account or enter an asterisk (*) to look this up from available Name, Credit Report, or Person records. This will only fill out Business Street****Address Text, Business City Name, Business State, Business Zip Code and Business Phone fields. Only the non-individual name format uses this field.

Business Previous City

FIS requires this field for Business Address Analysis requests; it is optional for all other requests.

Business Previous State

FIS requires this field for Business Address Analysis requests; it is optional for all other requests.

Enter the previous state code for a business account. Use the two-character U.S. Postal Service state code.

If you copy this field from a record where the state name is spelled out, Symitar Quest converts the state name into the two-character state code.

Business Previous Zip Code

FIS requires this field for Business Address Analysis requests.

Enter the ZIP Code for a business account. If you are entering a 9-digit ZIP Code, do not use the hyphen (-). If you do, the CRS removes the hyphen

Deposit Amount

You must include the decimal point if you make an entry in this optional field; do not include a dollar sign ($) or commas.

The maximum amount you can enter for business ChexSystems suite requests is 9999999.99.

Address Analysis OID

By providing the Transaction ID from a previously completed Address Analysis request, you can obtain the Red Flag Checklist generated by the previous request.

Entering an asterisk (*) in this field opens a dialog window with a drop-down list of completed Address Analysis reports on the account. Choosing one report populates the Address Analysis OID with the Address Analysis OID from the response Cred Rep Item records.

Following are selection criteria for elements displayed in the drop-down list:

• Credit Report Properties:
  • Completion Code: (1) Completed
  • Bureau: (4) ChexSystems
  • Version: (2) ChexSystems 5.1
  • Commercial Code: (0) Consumer
  • Inquiry Type: (5) Address Analysis
• The element displayed must have one Cred Rep Item with a non-blank Address Analysis Transaction ID. (According to layout as of 5/3/2011):
  • Segment Type: 302
  • Sub-segment Type: 2
  • Long Char 3 is not blank

If you linked the Address Analysis report to an ID Verification report, Symitar Quest also updates the ID Verification OID field on this request with the ID Verification OID field from the Credit Report record of the Address Analysis report.

You need to specify at least one of these fields:

• Address Analysis OID
• ID Verification OID
• ChexSystems Transaction ID 1-3
• Red Flag Alert Log ID

ChexSystems Transaction ID 1 - ChexSystems Transaction ID 3

Only the ChexSystems’ QualiFile product uses these fields.

These fields contain the Transaction ID of one QualiFile report.

You can enter a maximum of 96 characters across these three fields:

• The first 40 in ChexSystems Transaction ID 1

• The next 40 in ChexSystems Transaction ID 2

• The last 16 in ChexSystems Transaction ID 3

  Note: You can enter up to 40 characters in the ChexSystems Transaction ID 3 field, but Symitar Quest reports an error when you leave the field if you manually enter more than 16 characters. Symitar Quest also reports an error if you make an entry to ChexSystems Transaction ID 2when ChexSystems Transaction ID 1is blank or if you make an entry to ChexSystems Transaction ID 3when ChexSystems Transaction ID 1 or ChexSystems Transaction ID 2 is blank.

Enter an asterisk (*) into ChexSystems Transaction ID 1 to open a dialog window with a drop-down list of completed QualiFile reports. Choosing one report populates ChexSystems Transaction IDs 1-3 with the QualiFile Transaction ID from the Credit Report Item records of that report.

For Symitar Quest to include a QualiFile report in the drop-down list, the report must meet these criteria:

• Credit Report Properties:
  • Completion Code: (1) Completed
  • Bureau: (4) ChexSystems
  • Version: (2) ChexSystems 5.1
  • Commercial Code: (0) Consumer
  • Inquiry Type: (1) ChexSystems Suite
  • Include QualiFile Report: Yes
• The element displayed must have one Cred Rep Item with a non-blank OFAC Transaction ID. (According to layout as of 5/3/2011):
  • Segment Type: 0100
  • Sub-segment Type: 2
  • Long Char 3 is not blank.

Note: In a future release, we may combine these three fields. This will require an enhancement to the Symitar Quest core system permitting database fields longer than 40 characters long.

Red Flag Alert Log ID

Enter an asterisk (*) into Red Flag Alert Log IDto open a dialog window with a list of completed QualiFile reports. Choosing one report populates theRed Flag Alert Log ID field with the QualiFile Transaction ID from the Credit Report Item records of that report.

Only consumer inquiries use this field, not business inquiries.

Note: Although this field accepts 38 characters, you can only send or receive 10 characters when communicating with FIS. If you enter more than 10 characters, an error message displays:

Red Flag Alert Log ID
is longer than 10
characters

Document Altered or Forged

FIS requires this field.

Enter Yesor No.

Red Flag Analysis is only for consumer, not business accounts.

Appearance Inconsistent

FIS requires this field.

Enter Yesor No.

Red Flag Analysis is only for consumer, not business accounts.

Information Inconsistent

FIS requires this field.

Enter Yesor No.

Red Flag Analysis is only for consumer, not business accounts.

Signature Inconsistent

FIS requires this field.

Enter Yesor No.

Red Flag Analysis is only for consumer, not business accounts.

Application Altered or Forged

FIS requires this field.

Enter Yesor No.

Red Flag Analysis is only for consumer, not business accounts.

Red Flag Action Type ID

FIS requires this field.

This field is a unique identifier for each red flag on the checklist.

Example: If Red Flag 3 is on the checklist and an inquiry triggers Red Flag 9, two Red Flag Action Type ID flags would pass.

Red Flag Status

Select from the following:

• (F) Fail
• (NV) Not Verified
• (V) Verified

The values in this field are in response to a Red Flag query or a Red Flag disposition.

Red Flag Analysis is only for consumer, not business accounts.

Recommended Action Type ID

Red Flag Comments 01 - Red Flag Comments 10

This field defines what steps you took if you selected the Other option at the Recommended Action Type ID field.

Red Flag Fact ID

This field holds the ID number of the Red Flag response item.

The Red Flag analysis is only for consumer accounts.

The values in this field are a response to a Red Flag query or a Red Flag disposition. If the response needs more than 40 characters, you can find the remainder of the field on the FIS website.

Months at Curr Address

This field works with Years at Curr Address. For example, if a business has been at a location four and one half years, enter 4at Years at Curr Address and 6 at Months at Curr Address. Symitar Quest sends to FIS any non-zero value. Symitar Quest does send a 0 value if the Years at Curr Address is a 0 value and Months at Curr Address is a non-zero value.

Only business requests use this optional field.

Years at Curr Address

Works with Months at Curr Address, for example, if a business has been at a location four and one half years, enter 4at Years at Curr Address and 6 at Months at Curr Address. Symitar Quest sends any non-zero value. Symitar Quest does send a 0 value if the Years at Curr Address is a non-zero value and Months at Curr Address is a 0 value.

Only business requests use his optional field.

For businesses at a current address 100 years or more, choose one of the following:

• Enter 99for Years at Curr Address and11 for Months at Curr Address
• Enter 0 for both Years at Curr Addressand Months at Curr Address. (Symitar Quest sends neither value in the inquiry.)

Copy Another Cred Rep

Click this action button to use information from a previous credit report request (Credit Report record) for the same account. Symitar Quest lists each request associated with the account. Select the request you want to copy. The request screen is re-displayed with all the information from the request you specify.

Note: You cannot use this button to copy reports from the ChexSystems Red Flag Checklist product. Those reports do not display in the drop-down list.