Credit Report Record-Experian

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

If you click 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.

Experian 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.

• Select (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.
• Select (1) After to send the credit report request after a specified date and time. When the system date and time reach the values you specified in the Queue After Date and Queue After Time fields, 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. Select (1) Experian to request a credit report from Experian. 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 value from the Birth Date field of 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 value from the Birth Date field of 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 value from the Birth Date field of 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 value from the Birth Date field of the Credit Report record you specify.

Loan Terms

You can access this field only if you select (0) Experian Report, (2) Experian Collection Report, or (4) Experian Instant Update at the Inquiry Type field. Enter the number of months (0-999) in the term of the loan.

Loan Amount

You can access this field only if you select (0) Experian Report, (2) Experian Collection Report, or (4) Experian Instant Update at the Inquiry Type field. Enter the amount of the loan.

Inquiry Type

This field specifies the type of Experian inquiry. The type of inquiry you choose determines which fields on the Option screen you can access.

• Select (0) Experian Report to request a standard Experian credit report. You can access the following fields on the Option screen:
  • Operator Code (required entry)
  • Loan Type
  • Loan Terms
  • Loan Amount
  • SSN/TIN Search 1
  • SSN/TIN Search 2
  • SSN/TIN Search 3
  • SSN/Tin Search FACS+ Flag
  • Risk Model 1 - Risk Model 5
  • Addr Verification
• Select (1) Experian Employment Report to request a report on current and previous employment only. You can access the following fields on the Option screen:
  • Operator Code (required entry)
  • Send Consumer Copy
• Select (2) Experian Collection Report to request a custom version of the Experian credit report used primarily for skip tracing collection accounts and locating individuals in collections. This option is available for Experian Version 6 only. You can access the following fields on the Option screen:
  • Operator Code (required entry)
  • Loan Type
  • Loan Terms
  • Loan Amount
  • Risk Model 1 - Risk Model 5
• Select (3) Experian Bullseye to make changes to the credit file and print out the company’s tradeline. You can access the following fields on the Option screen:
  • Operator Code (required entry)
  • Bullseye Acct
• Select (4) Experian Instant Update to make online negative changes to your own information on an individual’s credit report. This option is available for Experian Version 6 only. You can access the following fields on the Option screen:
  • Operator Code (required entry)
  • Loan Type
  • Loan Terms
  • Loan Amount
  • Status Code
  • Date Opened
  • Date of Occurrence
  • Special Comment
  • Association Code
• Select (5) Select Check to request an online credit check using generic risk scores and standard predefined screening criteria (Standard Select Check), or using custom predefined screening criteria (Custom Select Check). This option is available for Experian Version 6 only. You can access the following fields on the Option screen:
  • Operator Code (required entry)
  • Select Check Code

Operator Code

Required entry: Enter your credit union-assigned two-character operator code (for example, your initials).

Addr Verification

You can access this field only if you select (0) Experian Report at the Inquiry Type field. Enter the account number (up to 20 characters) of an account that can be used for address verification (for example, a credit card number).

Optional Feature Code

You can specify optional features offered by Experian in addition to the standard credit report. See your Experian manuals for descriptions of the optional features available. You can enter multiple optional feature codes in this field. Do not separate optional feature codes with commas, dashes, or spaces. You can enter any of the following optional feature codes:

• Enter C (Check) to request Experian to check for Social Security Numbers or individual Taxpayer Identification Numbers marked “Deceased” and for non-resident addresses. Experian returns the information in 382 Segments (Experian Version 6).

• Enter D (Decode) to request Experian to check subscriber telephone numbers and addresses. This option is available only in Experian Version 6. Experian returns the information in 336 Segments.

• EnterE for Credit Score Disclosure General (CSDG) to request Experian to send the general Credit Score Disclosure Exception Notice (risk-based pricing).

• Enter F (Fraud Shield) to aid with fraud prevention. The Experian Fraud Shield is a flanking product to FACS+. Fraud Shield has all the power of FACS+ plus new features. If you utilize this option, you can view the available features with the standard Experian specfiles: RD.XPNV6 and RD.XPNV7.

  Note: Please contact your Experian representative to find out which features are available and have them turned on.

• Enter G (Address Update) to request Experian to send the subscriber address in 336 Segments (Experian Version 6).

• Enter K (Direct Check) to request Experian to send the subscriber address and telephone number in 370 Segments (Experian Version 6).

• EnterMfor Credit Score Disclosure Mortgage (CSDM) to request Experian to send the mortgage version of the Credit Score Disclosure Exception Notice (risk-based pricing).

• Enter B (Military Lending Act Search) to request that Experian include the Military Lending Act (MLA) 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 S(Fraud shield) to deal with fraud prevention.

• Enter T (Credit Trends) to provide in-depth consumer information to help customers make more informed risk management decisions.

  Note: Please contact your Experian representative to access this product.

You cannot specify G (Address Update) and K (Direct Check) at the same time. You cannot specify G (Address Update), K (Direct Check) or T (Credit Trends) when you request address verification. You cannot specify D (Decode) with any other feature code. You cannot specify C (Check) and F (Fraud Shield) at the same time. Eand Mcannot be combined.

If you enter anything but 0 at the Inquiry Type field and then request E or M, Symitar Quest displays an error message:

Credit Score Disclosure Exception Notice
only allowed for Inquiry Type 0

Some optional features are available for Experian Version 6 only. To convert to Experian Version 6, you must contact Symitar Quest Support and request that your configuration number be changed. If you have written your own PowerOn specfiles to display Experian credit reports, you must modify those specfiles for use with Experian Version 6 credit reports.

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 of the following suffixes to the subject’s name:

• SR = Senior
• JR = Junior
• 2 or II = Second
• 3 or III = Third
• 4 or IV = Fourth

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.

Employer Street

Enter the street address of the subject’s employer (up to 30 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 employer street address computed by parsing the Curr Employer Address 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 Street from the Credit Report record you specify.

Employer City

Enter the city of the subject’s employer (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 employer city computed by parsing the Curr Employer Address 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 City from the Credit Report record you specify.

Employer State

Enter the 2-character U.S. Postal Service code for the state of the subject’s employer.

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 employer state computed by parsing the Curr Employer Address 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 State from the Credit Report record you specify.

Employer Zip Code

Enter the ZIP Code for the subject’s employer.

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 employer ZIP Code computed by parsing the Curr Employer Address 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 Zip Code 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 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 Suffix

Enter any of the following suffixes to the subject spouse’s name:

• SR = Senior
• JR = Junior
• 2 or II = Second
• 3 or III = Third
• 4 or IV = Fourth

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

Spouse Employer Name

• Enter the name of the subject spouse’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 Spouse screen from an existing Name record, this field remains blank. Symitar Quest cannot update this field from a Name record.

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

Spouse Employer Street

Enter the street address of the subject spouse’s employer (up to 30 characters).

If you update the Spouse screen from an existing Name record, this field remains blank. Symitar Quest cannot update this field from a Name record.

If you update the Spouse screen from an existing Application Person record, Symitar Quest updates this field with the employer street address computed by parsing the Curr Employer Address 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 Employer Street from the Credit Report record you specify.

Spouse Employer City

Enter the city of the subject spouse’s employer (up to 20 characters).

If you update the Spouse screen from an existing Name record, this field remains blank. Symitar Quest cannot update this field from a Name record.

If you update the Spouse screen from an existing Application Person record, Symitar Quest updates this field with the employer city computed by parsing the Curr Employer Address 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 Employer City from the Credit Report record you specify.

Spouse Employer State

Enter the 2-character U.S. Postal Service code for the state of the subject spouse’s employer.

If you update the Spouse screen from an existing Name record, this field remains blank. Symitar Quest cannot update this field from a Name record.

If you update the Spouse screen from an existing Application Person record, Symitar Quest updates this field with the employer state computed by parsing the Curr Employer Address 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 Employer State from the Credit Report record you specify.

Spouse Employer Zip Code

Enter the ZIP Code for the subject spouse’s employer.

If you update the Spouse screen from an existing Name record, this field remains blank. Symitar Quest cannot update this field from a Name record.

If you update the Spouse screen from an existing Application Person record, Symitar Quest updates this field with the employer ZIP Code computed by parsing the Curr Employer Address 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 Employer Zip Code 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.

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.

Curr Address Zip Code

Required entry: 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.

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.

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.

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.

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 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.

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.

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.

Prev Addr 2 Zip Code

Enter the ZIP Code in a second previous address for the subject (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 Prev Addr 2 Zip Code from the Credit Report record you specify.

Subscriber Code

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

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

Password

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

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

Bureau Info

Enter your Experian User Identification Code (8 characters), a slash, your Experian Preamble (4 characters), a slash, and your U.S. Postal Service state code (2 characters). For example, enter ABCDE123/ABC1/CA.

SSN/TIN Search 1

You can access this field only if you select (0) Experian Report at the Inquiry Type field. Enter a Social Security Number or individual Taxpayer Identification Number for a search.

SSN/TIN Search 2

You can access this field only if you select (0) Experian Report at the Inquiry Type field. Enter a Social Security Number or individual Taxpayer Identification Number for a search.

SSN/TIN Search 3

You can access this field only if you select (0) Experian Report at the Inquiry Type field. Enter a Social Security Number or individual Taxpayer Identification Number for a search.

SSN/TIN Search FACS+

You can access this field only if you select (0) Experian Report at the Inquiry Type field. Choose one of the following:

• Enter Y to request FACS+ data for the Social Security Numbers or individual Taxpayer Identification Numbers entered at the SSN/TIN Search 1, SSN/TIN Search 2, and SSN/TIN Search 3 fields.
• Enter N if you do not want FACS+ data for the Social Security Numbers or individual Taxpayer Identification Numbers entered at the SSN/TIN Search 1, SSN/TIN Search 2, and SSN/TIN Search 3 fields.

Risk Model 1 - Risk Model 5

You can access these fields only if you select (0) Experian Report or (2) Experian Collection Report at the Inquiry Type field. Enter one or more of the following codes (one code per field) to specify the type of risk model. For full details on the Experian Model Type Indicators, their codes, and their descriptions, see the latest version of the File One Appendix from Experian Products and Services.

• A = National

• B = MDS Bankruptcy

• D = Retail Risk

• E = Equivalency Option

• F = Fair Isaac Risk V.2

• K = Fair Isaac Bankcard V.2

• N = Fair Isaac Installment V.2

• Q = VantageScore

• R = Fair Isaac Personal Finance V.2

• V = Fair Isaac Auto V.2

• 3 = National Risk Score

• 4 = Equivalency Risk Score

• 5 = Bankruptcy Watch

• AA = Fair Isaac Version 3

• AB = Fair Isaac Auto Loan Version 3

• AC = Fair Isaac Personal Finance version 3

• AD = Fair Isaac Installment Loan Version 3

• AE = Fair Isaac Bankcard Version 3

• AF = Fair Isaac Risk Model V8

• AG = Fair Isaac Auto Loan Model V8

• AJ = Fair Isaac BankCard Model V8

• BP = Bankruptcy PLUS

• BQ = Bankruptcy PLUS Model Rescaled

• F9 = FICO Classic Risk Model V9

• FE = FICO Auto Loan V9

• FF = FICO Bankcard V9

• II = Income Insight

  • D1 = Total Debt-To-Income Insight
  • D2 = First Mortgage Debt-To-Income Insight
  • D3 = Total Mortgage Debt-To-Income Insight

  You can request models D1, D2, or D3 only if you request them along with model II.

• IW = Income Insight W2

  • D4 = Total Debt-To-Income Insight W2
  • D5 = Total Debt-To-Income Insight Joint W2
  • D6 = First Mortgage Debt-To-Income Insight W2
  • D7 = Total Mortgage Debt-To-Income Insight W2

  You can request models D4, D5, D6, or D7 only if you request them along with model IW.

• V2 = VantageScore 2.0

• V3 = VantageScore 3.0

• V4 = VantageScore 4.0

• VQ = VantageScore 4.0 with Positive Score Factors

• W = Telecommunications, Energy & Cable Risk Model (TEC)

  (formerly called Wireless Model)

*These models cannot be used for the Credit Score Disclosure Exception Notice.

Decode 01

You can access this field only if you type D (Decode) in the Optional Feature Code field on the request screen, and then click Go To Option Screen. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 02

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 03

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then choose to click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 04

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then choose to click the Go to Option Screen button.You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 05

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then choose to click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 06

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then choose to click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 07

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then choose to click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 08

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then choose to click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 09

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then choose to click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 10

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then choose to click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 11

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then choose to click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 12

You can access this field only if you enter D (Decode) at the Optional Feature Code on the request screen, then choose to Go To Option Screen. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 13

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 14

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 15

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Decode 16

You can access this field only if you type D (Decode) at the Optional Feature Code field on the request screen, then click the Go to Option Screen button. You must have Experian Version 6 to use this feature. Enter a subscriber code (7 characters) to check that subscriber’s telephone number and address.

Bullseye Acct

Enter your Bullseye subscriber account number (up to 20 characters). This field is optional, available to those using Experian’s Bullseye report product.

• Leaving this field blank causes the request to return all of a financial institution’s individual accounts (tradelines).
• Filling in the first six characters of a Bullseye account returns all tradelines that match the first six characters.
• Filling in a complete Bullseye account (which can be obtained from a credit report) returns only the matching tradeline.

Date Opened

You can access this field only if you select (4) Experian Instant Update at the Inquiry Type field. Enter the date the account was first opened.

Date of Occurrence

You can access this field only if you select (4) Experian Instant Update at the Inquiry Type field. Enter the date the account status changed.

Special Comment

You can access this field only if you select (4) Experian Instant Update at the Inquiry Type field. Enter one of the following special comment codes:

• C: Paid by cosigner
• E: Primary maker filed bankruptcy
• F: Secondary maker filed bankruptcy
• I: Election of remedy
• L: Credit line closed
• M: Credit line closed by grantor
• N: Credit line closed by consumer
• P : Subscriber reports dispute resolved
• S: Special handling
• X: Account in dispute
• V: Adjustment pending

Association Code

You can access this field only if you select (4) Experian Instant Update at the Inquiry Type field. Enter one of the following association codes:

• 1: Individual
• 2: Joint account, contractual responsibility
• 3: Authorized user
• 4: Joint account
• 5: Cosigner
• 6: On behalf of
• 7: Signer
• T: Terminated association
• X: Deceased

Instant Update Acct

You can access this field only if you select (4) Experian Instant Update at the Inquiry Type field. Enter your Instant Update account number (up to 20 characters).

Status Code

You can access this field only if you select (4) Experian Instant Update at the Inquiry Type field. Enter one of the following status codes:

• 00 = NO STATUS; No status
• 01 = INQUIRY; A copy of the profile report has been sent to this credit grantor at their request.
• 03 = CR CD LOST; Credit card lost or stolen
• 04 = CLOS INACT; Closed inactive account
• 05 = TRANSFERRED; Account transferred to another office
• 07 = CURWAS60-2; Current account/was delinquent 60 days past due date two times
• 08 = CURWAS60-3; Current account/was delinquent 60 days past due date three times
• 09 = CURWAS60-4+; Current account/was delinquent 60 days past due date four or more times
• 10 = REFINANCED; Account renewed or refinanced
• 11 = CURR ACCT; This is either an open or closed account in good standing. If the account is a credit card or charge account, it should be available for use and there may be a balance due. If the account is closed, there were no past due amounts reported and it was paid.
• 12 = PAID SATIS; Account paid satisfactorily
• 13 = PAID ACCT; Paid account/zero balance
• 14 = CURWAS90-2; Current account/was delinquent 90 days past due date two times
• 15 = CURWAS90-3+; Current account/was delinquent 90 days past due date three or more times.
• 16 = CURWAS120-2+; Current account/was delinquent 120 days past due date two or more times.
• 17 = CURWAS150-2+; Current account/was delinquent 150 days past due date two or more times
• 20 = CR LN CLOS; Credit line closed/reason unknown or by consumer request/there may be balance due
• 21 = DECEASED; Consumer reported as deceased
• 22 = 60 2 TIMES; Account 60 days past due two times
• 23 = 60 3 TIMES; Account 60 days past due three times
• 24 = 60 4+ TIMES; Account 60 days past due four or more times
• 25 = 90 2 TIMES; Account 90 days past due two times
• 26 = 90 3+ TIMES; Account 90 days past due three or more times
• 27 = 120 2+ TIMES; Account 120 days past due two or more times
• 28 = 150 2+ TIMES; Account 150 days past due two or more times
• 29 = 90 WAS 120+; Account 90 days past due date, was delinquent 120 days or more past due date
• 30 = CUR WAS DL; Current account/was past due
• 31 = CUR WAS 30; Current account/was 30 days past due date
• 32 = CURWAS30-2; Current account/was 30 days past due date two times
• 33 = CURWAS30-3; Current account/was 30 days past due date three times
• 34 = CURWAS30-4; Current account/was 30 days past due date four times
• 35 = CURWAS30-5; Current account/was 30 days past due date five times
• 36 = CURWAS30+6; Current account/was 30 days past due date six times or more
• 37 = CUR WAS 60; Current account/was delinquent 60 days past due date
• 38 = CUR WAS 90; Current account/was delinquent 90 days past due date
• 39 = CUR WAS120; Current account/was delinquent 120 days past due date
• 40 = CUR WAS150; Current account/was delinquent 150 days past due date
• 41 = CUR WAS180; Current account/was delinquent 180 days past due date
• 42 = REDMD REPO; Account was a repossession/now redeemed
• 43 = CUR WASCOL; Current account/was collection account, insurance claim, or government claim
• 44 = CR LN RNST; Account now available for use and in good standing/was a closed account
• 45 = CUR WASFOR; Current account/foreclosure was started
• 50 = PD NOT AA; Paid account/some payments were made past the agreed due dates
• 51 = PD WAS 30; Paid account/was 30 days past due date
• 52 = PD WAS30-2; Paid account/was 30 days past due date two or three times
• 53 = PD WAS30-4; Paid account/was 30 days past due date four times
• 54 = PD WAS30-5; Paid account/was 30 days past due date five times
• 55 = PD WAS30+6; Paid account/was 30 days past due date six times or more
• 56 = PD WAS 60; Paid account/was delinquent 60 days past due date
• 57 = PD WAS 90; Paid account/was delinquent 90 days past due date
• 58 = PD WAS 120; Paid account/was delinquent 120 days past due date
• 59 = PD WAS 150; Paid account/was delinquent 150 days past due date
• 60 = PD WAS 180; Paid account/was delinquent 180 days past due date
• 61 = PD VOL SUR; Paid account/was a voluntary surrender
• 62 = PD COLL AC; Paid account/was a collection account, insurance claim, or government claim
• 63 = PD REPO; Paid account/was a repossession
• 64 = PD CHG OFF; Paid account/was a charge-off
• 65 = PD FORECLO; Paid account/foreclosure was started
• 66 = PD BY DLER; Credit grantor paid by company who originally sold the merchandise
• 67 = BK LIQ REO; Debt included in or discharged through bankruptcy Chapter 7, 11, or 13
• 68 = SETTLED; Account legally paid in full for less than the full balance
• 69 = BK ADJ PLN; Debt included in or completed through bankruptcy Chapter 13
• 70 = NOT PAY AA; Account not being paid as agreed
• 71 = 30 DAY DEL; Account 30 days past due date
• 72 = 30 2 TIMES; Account 30 days past due date two times
• 73 = 30 3 TIMES; Account 30 days past due date three times
• 74 = 30 4 TIMES;Account 30 days past due date four times
• 75 = 30 5 TIMES; Account 30 days past due date five times
• 76 = 30 6+TIMES; Account 30 days past due date six times or more
• 77 = 30 WAS 60; Account was delinquent 60 days past due date, now 30 days past due date
• 78 = DELINQ 60; Account delinquent 60 days past due date
• 79 = DEL WAS 90; Account was delinquent 90 days past due date, now 30 or 60 days past due date
• 80 = DELINQ 90; Account delinquent 90 days past due date
• 81 = DEL WAS 120+; Account was delinquent 120 days past due date, now 30 or 60 days past due date
• 82 = DELINQ 120; Account delinquent 120 days past due date
• 83 = DELINQ 150; Account delinquent 150 days past due date
• 84 = DELINQ 180; Account delinquent 180 days past due date
• 85 = SCNL NWLOC; Credit grantor could not locate consumer/consumer now located
• 86 = CO NOW PAY; Now paying/was a charge-off
• 87 = FORE PROC; Foreclosure proceeding started
• 88 = GOV CLAIM; Claim filed with government for insured portion of balance on defaulted student loan
• 89 = DEEDINLIEU; Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage
• 90 = CLOS NP AA; Credit line closed/not paying as agreed
• 91 = TERM DFALT; Early termination by default of original terms of lease or sales contract
• 92 = INS CLAIM; Claim filed with government for insured portion of balance on account secured by real estate
• 93 = COLL ACCT; Account seriously past due date/account assigned to attorney, collection agency, or credit grantor’s internal collection department
• 94 = FORECLOSED; Credit grantor reclaimed collateral to settle defaulted mortgage
• 95 = VOLUN SURR; Voluntary surrender
• 96 = REPO; Merchandise was taken back by credit grantor/there may be a balance due
• 97 = CHARGE OFF; Unpaid balance reported as a loss by credit grantor
• 98 = SCNL; Credit grantor cannot locate consumer

Select Check Code

You can access this field only if you select (6) Select Check in the Inquiry Type field. Enter the Select Check code assigned by Experian (up to 8 characters).

Send Consumer Copy

You can access this field only if you select (1) Experian Employment Report at the Inquiry Type field. Choose one of the following:

• Enter Y if you want Experian to send a copy of the employment report to the consumer.
• Leave this field blank if you do not want Experian to send a copy of the employment report the consumer.

Loan Type

You can access this field only if you select (0) Experian Report, (2) Experian Collection Report, or (4) Experian Instant Update at the Inquiry Type field. The valid data type is alphanumeric. Enter one of the following Experian loan type codes:

• (00) Auto
• (01) Unsecured
• (02) Secured
• (03) Partially Secured
• (04) Home Improvement
• (05) FHA Home Improvement
• (06) Installment Sales Contract
• (07) Charge Account
• (08) Real Estate, Specific Type Unknown, Terms in Years
• (09) Secured by Co-Signer
• (10) Business
• (11) Recreational
• (12) Educational
• (13) Lease
• (14) Co-Maker
• (15) Check Credit or Line of Credit
• (16) FHA CO-Maker (Not Borrower)
• (17) Mobile Home
• (18) Credit Card
• (19) FHA Real Estate Mortgage, Terms in Years
• (20) Note Loan
• (21) Note Loan with CO-Maker
• (22) Household Goods (Secured)
• (23) Household Goods and Other Collateral Auto (Secured)
• (24) Auto
• (25) VA Real Estate Mortgage, Terms in Years
• (26) Conventional Real Estate Mortgage, Terms in Years
• (27) Real Estate Mortgage with or without Other Collateral (Usually Second Mortgage), Term in Months, Amount Shown in $100.00 Increments
• (28) CO-Maker (Not Borrower)
• (29) Rental Agreement
• (30) Summary of Accounts with Same Status
• (31) Unknown
• (34) Debt Counseling Service
• (37) Combined Credit Plan
• (43) Debit Card
• (47) Credit Line (Secured)
• (48) Collection Attorney
• (49) Insurance Claims
• (50) Child Support
• (65) Government Unsecured Guaranteed Loan
• (66) Government Secured Guaranteed Loan
• (67) Government Unsecured Direct Loan
• (68) Government Secured Direct Loan
• (69) Government Grant
• (70) Government Overpayment
• (71) Government Fine
• (72) Government Fee for Service
• (73) Government Employee Advance
• (74) Government Miscellaneous Debt
• (75) Government Benefit
• (76) Real Estate Mortgage
• (77) Returned Check
• (78) Installment Loan
• (83) Post Prescreen/Extract Prescreen Inquiry

Note: You cannot enter a single character freeze override code in the Loan Type field. The override code must be two characters so you will need to enter a leading zero to any single character codes.

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.

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.

Application ID

This is a required field. Enter the application ID for this request.

This is a credit-union defined field. Ask your Experian representative for information on this field.

Product Code

This is a required field. Enter a product code. Product codes are credit union-defined with Experian during setup.

Rate Requested

Enter the requested interest rate for the loan.

Vehicle Age (In years)

Enter the age of the vehicle in years.

Vehicle Status

Enter the status of the vehicle. Select one of the following:

• N = New
• U = Used

Vehicle Cash Price

Enter the vehicle’s cash price.

Vehicle Down Payment

Enter the down payment placed on the vehicle.

Vehicle Net Trade In

Enter the value of the trade-in vehicle.

Vehicle New Pmt Amount

Enter the additional monthly payments that do not show up on the credit profile (for example, the monthly payment for the loan for which the consumer is currently applying).

Vehicle Old Pmt Amount

Enter the loan amount that will be retired if the new loan is approved (for example, debt consolidation loan).

Loan Use

This is a required field: Enter one of the following values:

• B = Business
• P = Personal

Override Category

Enter the override category if you are trying to override the decision supplied by Experian through Decision Expert. This is a credit union-defined field with Experian.

Override Decision

Use this field to override the decision supplied by Decision Expert. Enter 0 for Do Not Override or 1 for Override. If you are overriding a decision supplied by Decision Expert, you must also enter the Reference ID supplied in that decision and the decision you want to use as the override (the Decision Override described below).

Reference ID

This is a required field when you override a decision supplied by Decision Expert. When you perform an override, find this ID using the PowerOn demand specfiles RD.XPNV6 or RD.XPNV7 (see PowerOn Specfile Library in the PowerOn Control book).

Decision Override

This is a required field when you override a decision supplied in Decision Expert. Choose one of the following:

• A= Accept
• D= Decline

Cred Lim Override

Use this field when requesting a decision override in Decision Expert. Enter the new credit limit amount you are using as the override.

Job 1 Employment Type

This field specifies the employment type of the primary applicant. When you use this field, enter one of the following values:

• H = Homemaker
• L = Salaried
• R = Retired
• S = Self Employed
• U = Unemployed

Job 2 Employment Type

This field specifies the employment type of the secondary applicant. When you use this field, enter one of the following values:

• H = Homemaker
• L = Salaried
• R = Retired
• S = Self Employed
• U = Unemployed

Job 1 Prev Type

This field specifies the previous employment type of the primary applicant. When you use this field, enter one of the following values:

• H = Homemaker
• L = Salaried
• R = Retired
• S = Self Employed
• U = Unemployed

Job 2 Prev Type

This field specifies the previous employment type of the secondary applicant. When you use this field, enter one of the following values:

• H = Homemaker
• L = Salaried
• R = Retired
• S = Self Employed
• U = Unemployed

Job 1 Years

You can use this field to enter the number of years the primary applicant was engaged in the activity specified in Job 1 Employment Type.

Job 2 Years

You can use this field to enter the number of years the secondary applicant was engaged in the activity specified in Job 2 Employment Type.

Job 1 Months

You can use this field to enter the number of months the primary applicant was engaged in the activity specified in Job 1 Employment Type.

Job 2 Months

You can use this field to enter the number of months the secondary applicant was engaged in the activity specified in Job 2 Employment Type.

Job 1 Prev Years

You can use this field to enter the number of years the primary applicant was engaged in the activity specified in Job 1 Prev Type.

Job 2 Prev Years

You can use this field to enter the number of years the secondary applicant was engaged in the activity specified in Job 2 Prev Type.

Job 1 Prev Months

You can use this field to enter the number of months the primary applicant was engaged in the activity specified in Job 1 Prev Type.

Job 2 Prev Months

You can use this field to enter the number of months the secondary applicant was engaged in the activity specified in Job 2 Prev Type.

Res 1 Type

You can use this field to specify the current residence type of the primary applicant. When you use this field, select one of the following:

• (1) Mortgage House/Condo
• (2) Owns House/Condo/Apt
• (3) Mort/Own Mobile Home
• (4) Rent House/Condo/Apt
• (5) Rent Mobile Home
• (6) Lives W/ Relatives
• (7) Boards
• (8) Other

Res 2 Type

You can use this field to specify the current residence type of the secondary applicant. When you use this field, select one of the following

• (1) Mortgage House/Condo
• (2) Owns House/Condo/Apt
• (3) Mort/Own Mobile Home
• (4) Rent House/Condo/Apt
• (5) Rent Mobile Home
• (6) Lives W/ Relatives
• (7) Boards
• (8) Other

Res 1 Years

You can use this field to enter the number of years the primary applicant has resided in the current residence type.

Res 2 Years

You can use this field to enter the number of years the secondary applicant has resided in the current residence type.

Res 1 Months

You can use this field to enter the number of months the primary applicant has resided in the current residence type.

Res 2 Months

You can use this field to enter the number of months the secondary applicant has resided in the current residence type.

Res 1 Prev Type

You can use this field to specify the previous residence type of the primary applicant. When you use this field, select one of the following:

• Boards
• Lives With Relatives
• Mortgage/Owns Mobile Home
• Mortgage House/Condo
• Other
• Owns House/Condo/Apt
• Rent House/Condo/Apt
• Rent Mobile Home

Res 2 Prev Type

You can use this field to specify the previous residence type of the secondary applicant. When you use this field, select one of the following:

• Boards
• Lives With Relatives
• Mortgage/Owns Mobile Home
• Mortgage House/Condo
• Other
• Owns House/Condo/Apt
• Rent House/Condo/Apt
• Rent Mobile Home

Res 1 Prev Years

You can use this field to enter the number of years the primary applicant resided in the previous residence type.

Res 2 Prev Years

You can use this field to enter the number of years the secondary applicant resided in the previous residence type.

Res 1 Prev Months

You can use this field to enter the number of months the primary applicant resided in the previous residence type.

Res 2 Prev Months

You can use this field to enter the number of months the secondary applicant resided in the previous residence type.

Inc 1 Total Frequency

You can use this field to enter the total income frequency of the primary applicant. Choose one of the following:

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• T = Semimonthly (twice per month)
• B = Biweekly (every 2 weeks)
• W = Weekly
• H = Hourly

Note: If you enter a value in this field, you must also enter an Inc 1 Total Amount.

Inc 2 Total Frequency

You can use this field to enter the total income frequency of the secondary applicant. Choose one of the following:

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• T = Semimonthly (twice per month)
• B = Biweekly (every 2 weeks)
• W = Weekly
• H = Hourly

Note: If you enter a value in this field, you must also enter an Inc 2 Total Amount.

Inc 1 Salary Freq

You can use this field to enter the salary frequency of the primary applicant. If you enter a value in this field, you must also enter an Inc 1 Salary Amount, and the total of the Inc 1 Salary Amount and Inc 1 Other Amount fields must equal the Inc 1 Total Amount if their corresponding frequencies match.

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• T = Semimonthly (twice per month)
• B = Biweekly (every 2 weeks)
• W = Weekly
• H = Hourly

Inc 2 Salary Freq

You can use this field to enter the salary frequency of the secondary applicant. If you enter a value in this field, you must also enter an Inc 2 Salary Amount, and the total of the Inc 2 Salary Amount and Inc 2 Other Amount fields must equal the Inc 2 Total Amount if their corresponding frequencies match.

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• T = Semimonthly (twice per month)
• B = Biweekly (every 2 weeks)
• W = Weekly
• H = Hourly

Inc 1 Other Freq

You can use this field to enter the frequency of other income for the primary applicant. If you enter a value in this field, you must also enter an Inc 1 Other Amount, and the total of the Inc 1 Salary Amount and Inc 1 Other Amount fields must equal the Inc 1 Total Amount if their corresponding frequencies match.

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• T = Semimonthly (twice per month)
• B = Biweekly (every 2 weeks)
• W = Weekly
• H = Hourly

Inc 2 Other Freq

You can use this field to enter the frequency of other income for the secondary applicant. If you enter a value in this field, you must also enter an Inc 2 Other Amount, and the total of the Inc 2 Salary Amount and Inc 2 Other Amount fields must equal the Inc 2 Total Amount if their corresponding frequencies match.

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• T = Semimonthly (twice per month)
• B = Biweekly (every 2 weeks)
• W = Weekly
• H = Hourly

Inc 1 Total Amount

You can use this field to enter the total amount of all income for the primary applicant. If you enter a value in this field, you must also enter a value for Inc 1 Total Freq.

Inc 2 Total Amount

You can use this field to enter the total amount of all income for the secondary applicant. If you enter a value in this field, you must also enter a value for Inc 2 Total Freq.

Inc 1 Salary Amount

You can use this field to enter the salary amount of the primary applicant. If you enter a value in this field, you must also enter a value for Inc 1 Salary Freq, and the total of the Inc 1 Salary Amount and Inc 1 Other Amount fields must equal the Inc 1 Total Amount if their corresponding frequencies match.

Inc 2 Salary Amount

You can use this field to enter the salary amount of the secondary applicant. If you enter a value in this field, you must also enter a value for Inc 2 Salary Freq, and the total of the Inc 2 Salary Amount and Inc 2 Other Amount fields must equal the Inc 2 Total Amount if their corresponding frequencies match.

Inc 1 Other Amount

You can use this field to enter the amount of other income for the primary applicant. If you enter a value in this field, you must also enter a value for Inc 1 Other Freq. In addition, the total of the Inc 1 Salary Amount and Inc 1 Other Amount fields must equal the Inc 1 Total Amount if their corresponding frequencies match.

Inc 2 Other Amount

You can use this field to enter the amount of other income for the secondary applicant. If you enter a value in this field, you must also enter an Inc 2 Other Freq, and the total of the Inc 2 Salary Amount and Inc 2 Other Amount fields must equal the Inc 2 Total Amount if their corresponding frequencies match.

Bre 1 Bank Relationship

This field specifies the banking relationship of the primary applicant. Enter one of the following values:

• 0 = No relationship
• 1 = Checking share
• 2 = Savings share
• 3 = Checking and savings
• 4 = Accounts of unknown type

Bre 2 Bank Relationship

This field specifies the banking relationship of the secondary applicant. Enter one of the following values:

• 0 = No relationship
• 1 = Checking share
• 2 = Savings share
• 3 = Checking and savings
• 4 = Accounts of unknown type

Dep 1 Number of Dependants

This field specifies the number of dependants for the primary applicant.

Dep 2 Number of Dependants

This field specifies the number of dependants for the secondary applicant.

Exp 1 Frequency

This field specifies the frequency of expenses for the primary applicant. Choose one of the following:

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• B = Biweekly (every 2 weeks)
• W = Weekly

Note: If you enter a value in this field, you must also enter an Exp 1 Amount.

Exp 2 Frequency

This field specifies the frequency of expenses for the secondary applicant. Choose one of the following:

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• B = Biweekly (every 2 weeks)
• W = Weekly

Note: If you enter a value in this field, you must also enter an Exp 2 Amount.

Exp 1 Residence Type

This field specifies the type of residence expense for the primary applicant. When you use this field, enter one of the following values:

• 1 = Mortgage
• 2 = Rent

Exp 2 Residence Type

This field specifies the type of residence expense for the secondary applicant. When you use this field, select one of the following options:

• Mortgage
• Rent

Exp 1 Residence Frequency

This field specifies the frequency of residence expenses for the primary applicant. Choose one of the following:

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• B = Biweekly (every 2 weeks)
• W = Weekly

Note: If you enter a value in this field, you must also enter an Exp 1 Residence Amount.

Exp 2 Residence Frequency

This field specifies the frequency of residence expenses for the secondary applicant. Choose one of the following:

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• B = Biweekly (every 2 weeks)
• W = Weekly

Note: If you enter a value in this field, you must also enter an Exp 1 Residence Amount.

Exp 1 Other Frequency

This field specifies the frequency of other expenses for the primary applicant. Choose one of the following:

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• B = Biweekly (every 2 weeks)
• W = Weekly

Note: If you enter a value in this field, you must also enter an Exp 1 Other Amount.

Exp 2 Other Frequency

This field specifies the frequency of other expenses for the secondary applicant. Enter one of the following:

• Y = Annually
• S = Semiannually
• Q = Quarterly
• L = Bimonthly
• M = Monthly
• B = Biweekly (every 2 weeks)
• W = Weekly

Note: If you enter a value in this field, you must also enter an Exp 1 Other Amount.

Exp 1 Amount

You can use this field to enter the total amount of all expenses for the primary applicant. If you enter a value in this field, you must also enter an Exp 1 Frequency, and this field must equal the total of the Exp 1 Residence Amount and Exp 1 Other Amount fields if their corresponding frequencies match.

Exp 2 Amount

You can use this field to enter the total amount of all expenses for the secondary applicant. If you enter a value in this field, you must also enter an Exp 2 Frequency, and this field must equal the total of the Exp 2 Residence Amount and Exp 2 Other Amount fields if their corresponding frequencies match.

Exp 1 Residence Amount

You can use this field to enter the amount of all residence expenses for the primary applicant. If you enter a value in this field, you must also enter an Exp 1 Residence Frequency and an Exp 1 Residence Type. Also, the Exp 1 Amount must equal the total of this field and the Exp 1 Other Amount field if their corresponding frequencies match.

Exp 2 Residence Amount

You can use this field to enter the amount of all residence expenses for the secondary applicant. If you enter a value in this field, you must also enter an Exp 2 Residence Frequency and an Exp 2 Residence Type. Also, the Exp 2 Amount must equal the total of this field and the Exp 2 Other Amount field if their corresponding frequencies match.

Exp 1 Other Amount

You can use this field to enter the amount of all other expenses for the primary applicant. If you enter a value in this field, you must also enter an Exp 1 Other Frequency, and the Exp 1 Amount must equal the total of the Exp 1 Residence Amount field and this field if their corresponding frequencies match.

Exp 2 Other Amount

You can use this field to enter the amount of all other expenses for the secondary applicant. If you enter a value in this field, you must also enter an Exp 2 Other Frequency, and the Exp 2 Amount must equal the total of the Exp 2 Residence Amount field and this field if their corresponding frequencies match.

Auto Loan Type

This field specifies the loan type of the auto loan if the request is for an automobile loan. When you use this field, enter one of the following values:

• R = Retail
• L = Lease
• B = Balloon

Auto Status

This field specifies the status of the auto. When you use this field, enter one of the following values:

• N = New
• U = Used

Auto Year

You can use this field to enter the year of the auto. Enter the year in YYYY format.

Auto Make

This field specifies the make of the auto (up to 15 characters).

Auto Model

This field specifies the model of the auto (up to 10 characters).

Auto Residual Factor

Enter the estimated percentage of value you expect the auto to retain at the end of a lease. Use the format nn.nnnnnn. A car that retains 50% of its value, for example, has an Auto Residual Factor of 50.0000.

For a full explanation of this field and how your credit union can use it, contact your Experian representative.

Auto Money Factor

Enter the cost of funds for the auto lease in the format n.nnnnnn. Cost of funds or money factor is a fraction used to determine the return on the lessor’s investment in monthly terms. The money factor for a lease is similar to the interest rate for an auto purchase loan (but expressed per month instead of per year).

For a full explanation of this field and how your credit union can use it, contact your Experian representative.

Auto MSRP

You can use this field to enter the Manufacturer’s Suggested Retail Price (MSRP) of the auto.

Auto Sale Price

You can use this field to enter the sale price of the auto.

Auto Down Payment

You can use this field to enter the amount of the down payment on the auto.

Auto Rebate

You can use this field to enter the amount of the rebate on the auto, if any.

Auto Trade Loan Bal

You can use this field to enter the amount owed on the trade-in auto.

Auto Trade Alwnce

You can use this field to enter the amount of the allowance on the trade-in auto.

Auto Capital Cost

Enter the discounted price of the auto, after the member negotiates the price, but before factoring in down payment, trade, taxes, and other costs or deductions.

Auto Residual Value

Enter the amount showing the estimated amount of value you expect the auto will retain at the end of a lease. This is determined by multiplying the Auto MSRP by the Auto Residual Factor (see Experian Requests).

Auto Lease Term

You can use this field to enter the term in months for an auto lease loan.

Prod Code 01

You can use this field to enter a product code. Each credit union sets up its own product codes with Experian. If you make an entry in this field, it must be a two-digit numeric value. If you want to use the **Prod Code

** fields, you must start with **Prod Code

01** and fill in the rest of the fields as necessary. If you enter a Prod Code 01, you must also enter a Decision 01.

For a full explanation of this field and how it can be used, contact your Experian representative.

Prod Code 02

You can use this field to enter a second product code. If you make an entry in this field, you must also enter a Decision 02. See Prod Code 01 for an explanation.

Prod Code 03

You can use this field to enter a third product code. If you make an entry in this field, you must also enter a Decision 03. See Prod Code 01 for an explanation.

Prod Code 04

You can use this field to enter a fourth product code. If you make an entry in this field, you must also enter a Decision 04. See Prod Code 01 for an explanation.

Prod Code 05

You can use this field to enter a fifth product code. If you make an entry in this field, you must also enter a Decision 05. See Prod Code 01 for an explanation.

Prod Code 06

You can use this field to enter a sixth product code. If you make an entry in this field, you must also enter a Decision 06. See Prod Code 01 for an explanation.

Prod Code 07

You can use this field to enter a seventh product code. If you If you make an entry in this field, you must also enter a Decision 07. See Prod Code 01 for an explanation.

Prod Code 08

You can use this field to enter an eighth product code. If you make an entry in this field, you must also enter a Decision 08. See Prod Code 01 for an explanation.

Prod Code 09

You can use this field to enter a ninth product code. If you make an entry in this field, you must also enter a Decision 09. See Prod Code 01 for an explanation.

Prod Code 10

You can use this field to enter a tenth product code. If you make an entry in this field, you must also enter a Decision 10. See Prod Code 01 for an explanation.

Decision 01

If there is an entry in the Prod Code 01 field, you must make an entry in this field. Choose one of the following:

• A = Account opening
• X = Cross-sell

Decision 02

If there is an entry in the Prod Code 02 field, you must make an entry in this field. Enter A for Account Opening or X for Cross-Sell.

Decision 03

If there is an entry in the Prod Code 03 field, you must make an entry in this field. Enter A for Account Opening or X for Cross-Sell.

Decision 04

If there is an entry in the Prod Code 04 field, you must make an entry in this field. Enter A for Account Opening or X for Cross-Sell.

Decision 05

If there is an entry in the Prod Code 05 field, you must make an entry in this field. Enter A for Account Opening or X for Cross-Sell.

Decision 06

If there is an entry in the Prod Code 06 field, you must make an entry in this field. Enter A for Account Opening or X for Cross-Sell.

Decision 07

If there is an entry in the Prod Code 07 field, you must make an entry in this field. Enter A for Account Opening or X for Cross-Sell.

Decision 08

If there is an entry in the Prod Code 08 field, you must make an entry in this field. Enter A for Account Opening or X for Cross-Sell.

Decision 09

If there is an entry in the Prod Code 9 field, you must make an entry in this field. Enter A for Account Opening or X for Cross-Sell.

Decision 10

If there is an entry in the Prod Code 10 field, you must make an entry in this field. Enter A for Account Opening or X for Cross-Sell.

Reference Number 1

You can use this field to enter the first customer reference number. Customer reference numbers are credit union-defined through Experian.

For a full explanation of this field and how it can be used, contact your Experian representative.

Reference Number 2

You can use this field to enter a second customer reference number, if applicable.

Customer reference numbers are credit union-defined through Experian.

For a full explanation of the field and how it can be used, contact your Experian representative.

Reference Number 3

You can use this field to enter a third customer reference number, if applicable.

Customer reference numbers are credit union-defined through Experian.

For a full explanation of the field and how it can be used, contact your Experian representative.

Loanapp ID

Note: Symitar Quest will use this currently inactive field in a future release.

Old Monthly Payment

You can use this field to enter the amount of the old monthly payment.

New Monthly Payment

You can use this field to enter the amount of the new monthly payment.

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.

Spouse Access PIN

Enter the value supplied by the spouse or secondary borrower on the loan to unfreeze the spouse’s credit report. Experian limits the PIN to 15 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.

OFAC Inquiry

Select one of the following for use with Experian credit reports:

• (0) No if you do not want to request Experian’s OFAC Name Matching service with the credit report request.
• (1) Yes if you want to request Experian’s OFAC Name Matching service with the credit report request.

Actual Payment Amount

Specify Yes or No to indicate whether to request the actual payment amount data from the credit report.

Note: You cannot select Yesif:

• The Optional Feature Code field is set to (D) Decode
• The Inquiry Type field is not set to (0) Credit Profile

If you set the Actual Payment Amount field to Yes and:

• If you entered a value for any of the SSN/TIN Search (1-3) fields, the following message displays:

Do not use Actual Payment Amount with Social Search

• If you set the Optional Feature Code field to (G) Address Update, the following message displays:

Do not use Actual Payment Amount with Address Update

You can only use the Actual Payment Amount field for Experian version 7 credit report requests.

Expanded History

Specify Yes or No to indicate whether to request the expanded history data from the credit report.

Note: You cannot select Yesif:

• The Optional Feature Code field is set to (D) Decode
• The Inquiry Type field is not set to (0) Credit Profile

If you set the Expanded History field to Yes and:

• If you entered a value for any of the SSN/TIN Search (1-3) fields, the following message displays:

Do not use Expanded History with Social Search

• If you set the Optional Feature Code field to (G) Address Update, the following message displays:

Do not use Expanded History with Address Update

You can only use the Expanded History field for Experian version 7 credit report requests.

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 Experian:

• First Name
• Middle Name
• Last Name
• Name Suffix
• SSN/TIN
• Birth Date
• Employer Name
• Employer Street
• Employer City
• Employer State
• Employer Zip Code

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 Experian:

• Curr Address Street Name
• Curr Address City
• Curr Address State
• Curr Address Zip Code

Go To Option Screen

You can enter Y to go to the Option screen to request special options with the credit report. The fields that display on the Option screen for Experian depend on your entry at the Optional Feature Code field on the request screen.

• If you enter G (Address update), K (Direct check), or C (Check) at the Optional Feature Code field, you can update the following fields on the Option screen:
  • Inquiry Type
  • Operator Code
  • Loan Type
  • Loan Terms
  • Loan Amount
  • SSN/TIN Search 1
  • SSN/TIN Search 2
  • SSN/TIN Search 3
  • SSN/TIN Search FACS+ Flag
  • Risk Model
  • Send Consumer Copy
  • Addr Verification
  • Bullseye Acct
  • Instant Update Acct
  • Status Code
  • Date Opened
  • Date of Occurrence
  • Special Comment
  • Association Code
  • Select Check Code
• If you enter D (Decode) at the Optional Feature Code field, you can update the following fields on the Option screen:
  • Decode 01
  • Decode 02
  • Decode 03
  • Decode 04
  • Decode 05
  • Decode 06
  • Decode 07
  • Decode 08
  • Decode 09
  • Decode 10
  • Decode 11
  • Decode 12
  • Decode 13
  • Decode 14
  • Decode 15
  • Decode 16