Credit Report Record-Equifax

The Credit Report record stores the information entered at the time a request is created.

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.

Equifax credit report requests use 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 installed. If your credit union does not have the Credit Retrieval System, 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.

Request Number

Symitar Quest assigns this number when you create a credit report request. You cannot perform file maintenance on this field.

User

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

Request Date

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

Request Time

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

Bureau

This field identifies the credit bureau from which you request the credit report. Enter (2) Equifax to request a credit report from Equifax. 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.

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 Spouse Birth Date from the Credit Report record you specify.

Months Count Inq

This field lets you specify the length of credit history you want the credit bureau to return.

• Enter A to request credit history for the last 3 months.
• Enter B to request credit history for the last 6 months.
• Enter C to request credit history for the last 9 months.
• Enter D to request credit history for the last 12 months.
• Leave this field blank to request credit history for the last 24 months, or if you request FICO® Score, DECISION POWER, or DAS at the Optional Feature Code field.

Months Count Max Delinq

This field lets you specify the amount of delinquency history you want the credit bureau to return.

• Enter A to request all delinquencies in the last 3 months.
• Enter B to request all delinquencies in the last 6 months.
• Enter C to request all delinquencies in the last 9 months.
• Enter D to request all delinquencies in the last 12 months.
• Leave this field blank to request all delinquencies in the last 6 years and 9 months, or if you request FICO® Score, DECISION POWER, or DAS at the Optional Feature Code field.

Optional Feature Code

You can enter one or more optional feature codes to request optional features from Equifax. See your Equifax manuals for explanations of these optional features.

• Enter PS or S to request the 24-Month Payment History option. Enter PS when sending only this code, or enter S when combining this code with other optional feature codes.
• Enter B to request that Equifax include the Military Lending Act Covered Borrower status on the credit report. The MLA requires that financial institutions identify the military status of the borrower in any credit report application run for a loan to which the Military Lending Act applies.
• Enter C to request the Consumer Referral Location option.
• Enter D to request the On-Line Directory option.
• Enter F to request the Fraud Advisor option.
• Enter M to request the risk-based pricing (RBP) score info in FICO® Score and model segments
• Enter O to request the Bankruptcy Navigator, RABM, VantageScore®, VantageScore 2.0, or VantageScore 4.0 Risk Model; or other Equifax Risk Model option.
• Enter Q to request the risk-based pricing score info in FICO® Score segment only
• Enter X to request the FICO® Score option.
• Enter Y to request the DECISION POWER option.
• Enter Z to request the DAS option.

Note: Valid combination codes include:

• XQ - Request FICO® Score with RBP data for FICO® Score
• XM - Request FICO® Score with RBP data for FICO® Score + score models (should act exactly like XQ)
• OM - Request score models with RBP for those score models returned (omits FICO® Score)
• OXQ - Request FICO® Score with other models, returns RBP data only for FICO® Score CP segment
• OXM - Request FICO® Score with other models, returns RBP data for both FICO® Score CP and MM (MarketMax) segments

The combinations QMand OQare not allowed. The RBP information specific to option Q is included in the response for option M.

ECOA Inquiry Type

This field lets you request an individual or joint credit report.

• Enter I to request an individual credit report.
• Enter J to request a joint credit report.

First Name

• Enter the subject’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 Name/Employment Screen with information from the record you specify.

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

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

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.

Name Suffix

Enter any suffix to the subject’s name (SR, JR, ST, ND, RD, or TH only).

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

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.

Employer Name

• Enter the name of the subject’s employer (up to 30 characters).
• If you enter an asterisk (*), Symitar Quest lists all Application Person records associated with the account and prompts for a Choice. Select the Application Person record you want to copy. Symitar Quest updates this field with the Curr Employer Name from the Application Person record you specify.

If you update the Name/Employment Screen from an existing Name record, this field remains blank. Symitar Quest cannot update this field from a Name record.

If you update the Name/Employment Screen from an existing Application Person record, Symitar Quest updates this field with the Curr Employer 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 Employer Name from the Credit Report record you specify.

Occupation

Enter the subject’s occupation (up to 20 characters).

If you update the Name/Employment Screen from an existing Name record, this field remains blank. Symitar Quest cannot update this field from a Name record.

If you update the Name/Employment Screen from an existing Application Person record, Symitar Quest updates this field with the Curr Occupation 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 Occupation from the Credit Report record you specify.

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 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 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 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 SSN/TIN from the Credit Report record you specify.

Curr Address House Number

• Enter the house number in the subject’s current address (up to 10 characters). Do not include fractions in the house number. For box numbers, enter B followed by the box number (for example, B123).
• 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 house number computed by parsing 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 current house number computed by parsing 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 House Number from the Credit Report record you specify.

Curr Address Street Name

Enter the street name in the subject’s current address (up to 40 characters). For a post office box, enter PO (and enter B followed by the box number at the Curr Address House Number field). For a route or rural route, enter RT.

If you update the Current Address Screen from an existing Name record, Symitar Quest updates this field with the street name computed by parsing 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 name computed by parsing 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 Street Type

Enter the street type in the subject’s current address (2 characters).

If you update the Current Address Screen from an existing Name record, Symitar Quest updates this field with the street type computed by parsing 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 type computed by parsing 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 Type from the Credit Report record you specify.

Curr Address Quadrant

Enter the compass quadrant in the subject’s current address.

• E = East
• S = South
• W = West
• N = North
• SE = Southeast
• SW = Southwest
• NE = Northeast
• NW = Northwest

If you update the Current Address Screen from an existing Name record, Symitar Quest updates this field with the address quadrant computed by parsing 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 address quadrant computed by parsing 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 Quadrant from the Credit Report record you specify.

Curr Address Unit Type

Enter the type of unit in the subject’s current address (APT, BUILDING, or SUITE, for example).

If you update the Current Address Screen from an existing Name record, Symitar Quest updates this field with the address unit type computed by parsing 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 address unit type computed by parsing 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 Unit Type from the Credit Report record you specify.

Curr Address Unit Number

Enter the unit number (apartment, building, or suite number) in the subject’s current address (up to 10 characters).

If you update the Current Address Screen from an existing Name record, Symitar Quest updates this field with the address unit number computed by parsing 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 address unit number computed by parsing 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 Unit Number from the Credit Report record you specify.

Curr Address City

Required entry: 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.

Curr Address State

Required entry: 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.

Curr Address Zip Code

Enter the ZIP Code in the subject’s current address (xxxxx or xxxxx-xxxx).

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 home telephone number at the subject’s current address (xxx-xxxx or xxx-xxx-xxxx).

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 House Number

• Enter the house number in the subject’s previous address (up to 10 characters). Do not include fractions in the house number. For box numbers, enter B followed by the box number (for example, B123).
• 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 Previous 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 house number computed by parsing 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 current house number computed by parsing 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 House Number from the Credit Report record you specify.

Prev Addr 1 Street Name

Enter the street name in the subject’s previous address (up to 40 characters). For a post office box, enter PO (and enter B followed by the box number at the Curr Address House Number field). For a route or rural route, enter RT.

If you update the Previous Address Screen from an existing Name record, Symitar Quest updates this field with the street name computed by parsing 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 name computed by parsing 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.

Prev Addr 1 Street Type

Enter the street type in the subject’s previous address (2 characters).

If you update the Previous Address Screen from an existing Name record, Symitar Quest updates this field with the street type computed by parsing 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 type computed by parsing 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 Type from the Credit Report record you specify.

Prev Addr 1 Quadrant

Enter the compass quadrant in the subject’s previous address.

• E = East
• S = South
• W = West
• N = North
• SE = Southeast
• SW = Southwest
• NE = Northeast
• NW = Northwest

If you update the Previous Address Screen from an existing Name record, Symitar Quest updates this field with the address quadrant computed by parsing 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 address quadrant computed by parsing 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 Quadrant from the Credit Report record you specify.

Prev Addr 1 Unit Type

Enter the type of unit in the subject’s previous address (APT, BUILDING, or SUITE, for example).

If you update the Previous Address Screen from an existing Name record, Symitar Quest updates this field with the address unit type computed by parsing 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 address unit type computed by parsing 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 Unit Type from the Credit Report record you specify.

Prev Addr 1 Unit Number

Enter the unit number (apartment, building, or suite number) in the subject’s previous address (up to 10 characters).

If you update the Previous Address Screen from an existing Name record, Symitar Quest updates this field with the address unit number computed by parsing 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 address unit number computed by parsing 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 Unit Number from the Credit Report record you specify.

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 Curr Address City from the Credit Report record you specify.

Prev Addr 1 State

Enter the two-character US 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 Curr Address State from the Credit Report record you specify.

Prev Addr 1 Zip Code

Enter the ZIP Code in the subject’s previous address (xxxxx or xxxxx-xxxx).

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 value in the Curr Address Zip Code field from the Credit Report record you specify.

Subscriber Code

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

• Press Enter to accept the default Equifax subscriber code Symitar Quest enters automatically when you specify (1) Equifax at the Bureau field.
• Enter a different Equifax subscriber code (up to 10 characters).

Password

This field specifies your credit union’s Equifax password. An asterisk (*) displays in place of each character of the password.

• Press Enter to accept the default Equifax password Symitar Quest enters automatically when you specify (1) Equifax at the Bureau field.
• Enter a different Equifax password (up to 10 characters).

Bureau Info

Enter your credit union’s Equifax customer code (4 characters). You can also enter the bureau information in either of the following formats:

• xxxxx/xxxx (your MCI login/your Equifax customer code)
• MCI/xxxxx/xxxx (MCI/your MCI login/your Equifax customer code)

SSN/TIN Search 1

You can enter a Social Security Number or an individual Taxpayer Identification Number for a DTEC SSN/TIN search. This causes Equifax to return a DTEC report instead of a regular credit report. For more information about the DTEC SSN/TIN search, see your Equifax Automated Delivery Systems manual.

Decode 01

Enter a customer number to request the names, addresses, and telephone numbers of inquiries, collections, public records, and trade items.

Decode 02

Enter a customer number to request the names, addresses, and telephone numbers of inquiries, collections, public records, and trade items.

This field is not displayed on Equifax version 5.0 credit reports.

Decode 03

Enter a customer number to request the names, addresses, and telephone numbers of inquiries, collections, public records, and trade items.

This field is not displayed on Equifax version 5.0 credit reports.

Decode 04

Enter a customer number to request the names, addresses, and telephone numbers of inquiries, collections, public records, and trade items.

This field is not displayed on Equifax version 5.0 credit reports.

Decode 05

Enter a customer number to request the names, addresses, and telephone numbers of inquiries, collections, public records, and trade items.

This field is not displayed on Equifax version 5.0 credit reports.

DPower 01

Decision Power is a tool from Equifax for determining cross-sale eligibility. This field is used only in conjunction with the Equifax Decision Power product. It is not used for Experian or TransUnion.

DPower 02

Decision Power is a tool from Equifax for determining cross-sale eligibility. This field is used only in conjunction with the Equifax Decision Power product. It is not used for Experian or TransUnion.

DPower 03

Decision Power is a tool from Equifax for determining cross-sale eligibility. This field is used only in conjunction with the Equifax Decision Power product. It is not used for Experian or TransUnion.

Locator

The Locator field value in each record is unique within each member account. This means that the Locator can be used as a unique identification of a specific record. Symitar Quest automatically assigns the Locator value when the record is created, and you cannot change it. The value is a positive number greater than zero and up to about two billion.

The Locator can be used during PowerOn file maintenance (both on demand and batch) to uniquely identify a record. Using the Locator is recommended since a record’s ordinal sequence number may change if someone else inserts or deletes a record with a lower ordinal sequence number just before you post your file maintenance.

Branch

This field contains the branch number at the time the credit request was queued. You cannot modify the value in this field.

Version

This field contains the credit bureau version number at the time the credit request was queued. You cannot modify the value in this field.

Source

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

• (0) indicates the credit report was pulled directly from the credit bureau.
• (1) indicates 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.

Access PIN

With the passing of California Senate Bill 168, residents of California can freeze their credit reports, thereby not allowing clients to pull reports. This field is used if a member would like to have the freeze overridden. To pull an Equifax report for an account frozen by a member, you must enter the value in this field. For Equifax, the member specifies this field. Please contact Equifax to ensure that you have an up-to-date list of freeze override Reason Codes (also known as Account Purpose Type Codes).

Spouse Access PIN

Enter the value supplied by the spouse or secondary borrower on the loan to unfreeze the spouse’s credit report. Equifax limits the PIN to four characters.

Test Environment

Select one of the following:

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

Note: We recommend that you contact your credit bureau before running a test to inquire whether you will be charged for using the test environment.

Copy Another Cred Rep

This field lets you use information from a previous credit report request (Credit Report record) for the same account.

• Enter Y to use information from a previous request. Symitar Quest lists each request associated with the account and prompts for a Choice. Select the request you want to copy. The request screen redisplays with all the information from the request you specify.
• Enter N if you do not want to use information from a previous request.

Go To Name/Employment Screen

You can enter Y to go to the Name/Employment Screen to enter name and employment information about the subject of the credit report request. You can update the following fields on the Name/Employment Screen for Equifax:

• First Name
• Middle Name
• Last Name
• Name Suffix
• SSN/TIN
• Birth Date
• Employer Name
• Occupation

Go To Current Address Screen

You can enter Y to go to the Current Address Screen to enter current address information about the subject of the credit report request. You can update the following fields on the Current Address Screen for Equifax:

• Curr Address House Number
• Curr Address Street Name
• Curr Address Street Type
• Curr Address Quadrant
• Curr Address Unit Type
• Curr Address Unit Number
• Curr Address City
• Curr Address State
• Curr Address Zip Code
• Curr Home Phone

Go To Option Screen

You can enter Y to go to the Option Screen to request special options with the credit report. You can update the following fields on the Option Screen for Equifax:

• Months Count Inq
• Months Count Max Delinq
• SSN/TIN Search 1
• Decode 01
• Decode 02
• Decode 03
• Decode 04
• Decode 05

Go To Spouse Screen

You can enter Y to go to the Spouse Screen to enter name and employment information about the subject’s spouse. You can update the following fields on the Spouse Screen for Equifax:

• Spouse First Name
• Spouse Last Name
• Spouse SSN/TIN
• Spouse Birth Date

Go To Previous Address Screen

You can enter Y to go to the Previous Address Screen to enter previous address information about the subject of the credit report request. You can update the following fields on the Spouse Screen for Equifax:

• Prev Addr 1 House Number
• Prev Addr 1 Street Name
• Prev Addr 1 Street Type
• Prev Addr 1 Quadrant
• Prev Addr 1 Unit Type
• Prev Addr 1 Unit Number
• Prev Addr 1 City
• Prev Addr 1 State
• Prev Addr 1 Zip Code