Credit Report Record

Requests from Equifax®, Experian®, TransUnion®, and ChexSystems use different fields in the Credit Report record. The fields in the Credit Report record accept different values for each of the credit bureaus and for ChexSystems.

Credit and ChexSystems report requests may 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.

This document contains the field name, field description, field number, mnemonic, data type, and default information for each field. Other pertinent information includes:

**Source**  
 Indicates where the data in the field comes from:

    **User-entered**  
    The user creates the information in this field.

    **System-entered**  
    A system process populates the value for the field. This value can include data transmitted by the ATM network, when applicable.

    **System-calculated**  
    The system calculates but does not store the value of the field each time the field appears on an inquiry or file maintenance screen.## EFT Type

The Credit Report record includes the following fields:

Request Number

This field is used for all credit bureaus. The system assigns this number when you create a credit report request.

You cannot perform file maintenance on this field.

User

This field is used for all credit bureaus. The system 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

This field is used for all credit bureaus. The system 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

This field is used for all credit bureaus. The system 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 is used for all credit bureaus. 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. The system 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, the system sends the request to the credit bureau as soon as the Credit Retrieval System can secure a modem.

Queue After Date

This field is used for all credit bureaus.

If you specify (1) After at the Queue Code field, you can enter the date on which or after which the system 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

This field is used for all credit bureaus.

If you specify (1) After at the Queue Code field, you can enter the time of day after which the system 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

This field is used for all credit bureaus.

The system 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

This field is used for all credit bureaus.

The system 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

This field is used for all credit bureaus.

The system 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 is used for all credit bureaus. This field identifies the credit bureau from which you request the credit report.

Choose one of the following:

• Enter (1) Experian to request a credit report from Experian.
• Enter (2) Equifax to request a credit report from Equifax.
• Enter (3) Trans Union to request a credit report from TransUnion.
• Enter (4) ChexSystems to request an account report from ChexSystems.

The Credit Retrieval System automatically updates the Subscriber Code and Password fields with the subscriber code and password that we have set up for you.

Birth Date

This field is used for all credit bureaus. Enter the subject’s birth date.

Spouse Birth Date

Enter the subject spouse’s birth date.

Income

This field is used only for TransUnion.

Maximum value: $999,999,999,999.99

Income amount cannot be negative.

Multiple File

This field is used for all credit bureaus.

The system updates this field with 0 if the credit report request does not include multiple files, or 1 if the credit report request includes multiple files.

You cannot perform file maintenance on this field.

Loan Terms

This field is used only for Experian. It is not used for Equifax or TransUnion.

Loan Amount

This field is used only for Experian and TransUnion. Enter the amount of the loan.

Maximum value: $999,999,999,999.99

Loan amount cannot be negative.

Inquiry Type

Only Experian, TransUnion, and ChexSystems use this field. Equifax does not use this field.

For field values for Experian, see Inquiry Typein Credit Report Record Fields: Experian.

For field values for TransUnion, see Inquiry Type in Credit Report Record Fields: TransUnion.

For field values for ChexSystems, see Inquiry Type in Credit Report Record Fields: ChexSystems.

Operator Code

This field is a required entry for Experian. It is not used for Equifax or TransUnion. For field values, see Operator Code in Credit Report Record Fields: Experian.

Addr Verification

This field is used only for Experian. It is not used for Equifax or TransUnion. For field values, see Addr Verification in Credit Report Record Fields: Experian.

Months Count Inq

This field is used only for Equifax. It is not used for Experian or TransUnion. For field values, see Months Count Inq in Credit Report Record Fields: Equifax.

Months Count Max Delinq

This field is used only for Equifax. It is not used for Experian or TransUnion. For field values, see Months Count Max Delinq in Credit Report Record Fields: Equifax.

Joint File Access

Note: This field was used in a version of Equifax (prior to version 5.0) that has been retired.

Member Plain Description

Note: This field was used in a version of Equifax (prior to version 5.0) that has been retired.

Hawk Indicator

This field is used only for TransUnion. It is not used for Equifax or Experian. For field values, see Inquiry Type in Credit Report Record Fields: TransUnion.

There are two values for this field:

• N (No) shows that this record is of a credit inquiry only.

• Y (Yes) shows the record includes a Hawk Alert search as well as a credit inquiry.

  Note: If the value of this field is Y, it indicates a Hawk Message on this account. Hawk messages appear if any of these conditions exist for this record:

  • The address, phone number, Social Security Number or individual Taxpayer Identification Number has been used in suspected fraudulent activity.
  • The information on an application is inappropriate, such as a commercial or institutional address.
  • The SSN or TIN listed has not been issued by the Social Security Administration.
  • The SSN or TIN is that of a deceased person as reported by the Social Security Administration.

Alias 1

This field is used only for TransUnion. It is not used for Equifax or Experian. For field values, see Alias 1 in Credit Report Record Fields: TransUnion

Alias 2

This field is used only for TransUnion. It is not used for Equifax or Experian. For field values, see Alias 2 in Credit Report Record Fields: TransUnion

Alias 3

This field is used only for TransUnion. It is not used for Equifax or Experian. For field values, see Alias 3 in Credit Report Record Fields: TransUnion

Optional Feature Code

This field is used for all credit bureaus.

For field values for Equifax, see Optional Feature Code in Credit Report Record Fields: Equifax.

For field values for Experian, see Optional Feature Code in Credit Report Record Fields: Experian.

For field values for TransUnion, see Optional Feature Code in Credit Report Record Fields: TransUnion.

ECOA Inquiry Type

This field is used for all credit bureaus.

For field values for Equifax, see ECOA Inquiry Type in Credit Report Record Fields: Equifax.

For field values for Experian, see ECOA Inquiry Type in Credit Report Record Fields: Experian.

For field values for TransUnion, see ECOA Inquiry Type in Credit Report Record Fields: TransUnion.

First Name

All credit bureaus use this field.

It is required for the consumer ChexSystems suite and consumer Address Analysis inquiries; it is optional, though recommended, for all other types of inquiries.

Choose one of the following:

• Enter the subject’s first name (up to 20 characters).
• If you enter an asterisk (*****), the system 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. The system updates the fields on the Name/Employment Screen with information from the record you specify.

Middle Name

All credit bureaus use this field. It is optional for all ChexSystems (FIS) consumer inquiries. Enter the subject’s middle name (up to 10 characters).

Last Name

This field is a required entry for all credit bureaus with one exception. While FIS requires it for the consumer ChexSystems suite and consumer Address Analysis inquiries, it is optional, though recommended, for all other types of FIS inquiries. Enter the subject’s last name (up to 20 characters).

Name Suffix

This field is used for all credit bureaus.

For entry options for Equifax, see Name Suffix in Credit Report Record Fields: Equifax.

For entry options for Experian, see Name Suffix in Credit Report Record Fields: Experian.

For entry options for TransUnion, see Name Suffix in Credit Report Record Fields: TransUnion.

SSN/TIN

This field is used for all credit bureaus. Enter the subject’s Social Security Number or individual Taxpayer Identification Number.

Employer Name

This field is used for all credit bureaus.

Choose one of the following:

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

Employer House Number

This field is used only for TransUnion. It is not used for Equifax or Experian. For entry options, see Employer House Number in Credit Report Record Fields: TransUnion.

Employer Street

This field is used only for Experian and TransUnion. It is not used for Equifax.

For entry options for Experian, see Employer Street in Credit Report Record Fields: Experian.

For entry options for TransUnion, see Employer Street in Credit Report Record Fields: TransUnion.

Employer City

This field is used only for Experian and TransUnion. It is not used for Equifax. Enter the city of the subject’s employer (up to 20 characters).

Employer State

This field is used only for Experian and TransUnion. It is not used for Equifax. Enter the 2-character U.S. Postal Service code for the state in the employer’s address.

Employer Zip Code

This field is used only for Experian and TransUnion. It is not used for Equifax. Enter the ZIP Code for the subject’s employer.

Occupation

This field is used only for Equifax and TransUnion. It is not used for Experian. Enter the subject’s occupation (up to 20 characters).

Date Hired

This field is used only for TransUnion. It is not used for Equifax or Experian. Enter the date the applicant was hired by the employer (YYMM).

Date Separated

This field is used only for TransUnion. It is not used for Equifax or Experian. If applicable, enter the date the applicant was separated from the employer (YYMM).

Pay Basis

This field is used only for TransUnion. It is not used for Equifax or Experian. For entry options, see Pay Basis in Credit Report Record Fields: TransUnion.

Spouse First Name

This field is used for all credit bureaus. Choose one of the following:

• Enter the subject spouse’s first name (up to 20 characters).
• If you enter an asterisk (*****), the system 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. The system updates the fields on the Spouse Screen with information from the record you specify.

Spouse Middle Name

This field is used only for Experian and TransUnion. It is not used for Equifax. Enter the subject spouse’s middle name (up to 10 characters).

Spouse Last Name

This field is used only for Equifax and TransUnion. It is not used for Experian. Enter the subject spouse’s last name (up to 20 characters).

Spouse Suffix

This field is used only for Experian and TransUnion. It is not used for Equifax. For entry options, see Spouse Suffix in Credit Report Record Fields: Experian.

Spouse SSN/TIN

This field is used for all credit bureaus. Enter the subject spouse’s Social Security Number or individual Taxpayer Identification Number.

Spouse Employer Name

This field is used only for Experian. It is not used for Equifax or TransUnion.

Choose one of the following:

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

Spouse Employer Street

This field is used only for Experian. It is not used for Equifax or TransUnion. Enter the street address of the subject spouse’s employer (up to 30 characters).

Spouse Employer City

This field is used only for Experian. It is not used for Equifax or TransUnion. Enter the city of the subject spouse’s employer (up to 20 characters).

Spouse Employer State

This field is used only for Experian. It is not used for Equifax or TransUnion. Enter the two-character U.S. Postal Service code for the state of the subject spouse’s employer.

Spouse Employer Zip Code

This field is used only for Experian. It is not used for Equifax or TransUnion. Enter the ZIP Code for the subject spouse’s employer.

Curr Address House Number

This field is used only for Equifax and TransUnion. It is not used for Experian.

For entry options for Equifax, see Curr Address House Number in Credit Report Record Fields: Equifax.

For entry options for TransUnion, see Curr Address House Number in Credit Report Record Fields: TransUnion.

Curr Address Directional

This field is used only for TransUnion. It is not used for Equifax or Experian. For entry options, see Curr Address Directional in Credit Report Record Fields: TransUnion.

Curr Address Street Name

FIS requires this field for all Consumer Chex Systems suite requests and ignores it for all Business requests.

For entry options for Equifax, see Curr Address Street Name in Credit Report Record Fields: Equifax.

For entry options for Experian, see Curr Address Street Name in Credit Report Record Fields: Experian.

For entry options for TransUnion, see Curr Address Street Name in Credit Report Record Fields: TransUnion.

For entry options see Curr Address Street Name in Credit Report Record Fields: ChexSystems.

Curr Address Street Type

This field is used only for Equifax and TransUnion. It is not used for Experian.

For entry options for Equifax, see Curr Address Street Type in Credit Report Record Fields: Equifax.

For entry options for TransUnion, see Curr Address Street Type in Credit Report Record Fields: TransUnion.

Curr Address Quadrant

This field is used only for Equifax and TransUnion. It is not used for Experian. For entry options for Equifax, see Curr Address Quadrant in Credit Report Record Fields: Equifax. For entry options for TransUnion, see Curr Address Quadrant in Credit Report Record Fields: TransUnion.

Curr Address Unit Type

This field is used only for Equifax and TransUnion. It is not used for Experian.

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

Curr Address Unit Number

This field is used only for Equifax and TransUnion. It is not used for Experian. Enter the unit number (apartment, building, or suite number) in the subject’s current address (up to 10 characters).

Curr Address City

This field is a required entry for Equifax, TransUnion, and all Consumer ChexSystems suite requests. It is also used for Experian. Enter the city in the subject’s current address (up to 20 characters).

Curr Address State

This field is a required entry for Equifax, TransUnion, and all Consumer ChexSystems suite requests. Experian also uses this field, but it is not required.

Enter the two-character U.S. Postal Service code for the state in the subject’s current address. If copying from a Name record where the state name is spelled out, the system translates the state name into the two-character code.

Curr Address Zip Code

This field is a required entry for Equifax, TransUnion, and all Consumer ChexSystems suite requests. Experian also uses this field, but does not require its use.

Enter the ZIP Code in the subject’s current address (xxxxx orxxxxx-xxxx). The Credit Retrieval System removes the hyphen if you use the 9-digit format.

Curr Home Phone

Equifax, Transunion, and ChexSystems requests use this field. Experian does not use this field.

Enter the phone number at the subject’s current address (xxx-xxxx or xxxxxxxor xxx-xxx-xxxxor xxxxxxxxxx). If you enter the number with a hyphen or hyphens, the CRS removesthe hyphen or hyphens whatever format you use

Prev Addr 1 House Number

This field is used only for Equifax and TransUnion. It is not used for Experian.

For entry options for Equifax, see Prev Addr 1 House Number in Credit Report Record Fields: Equifax.

For entry options for TransUnion, see Prev Addr 1 House Number in Credit Report Record Fields: TransUnion.

Prev Addr 1 Directional

This field is used only for TransUnion. It is not used for Equifax or Experian. For entry options, see Prev Addr 1 Directional in Credit Report Record Fields: TransUnion.

Prev Addr 1 Street Name

This field is used for all credit bureaus.

For entry options for Equifax, see Prev Addr 1 Street Name in Credit Report Record Fields: Equifax.

For entry options for Experian, see Prev Addr 1 Street Name in Credit Report Record Fields: Experian.

For entry options for TransUnion, see Prev Addr 1 Street Name in Credit Report Record Fields: TransUnion.

Prev Addr 1 Street Type

This field is used only for Equifax and TransUnion. It is not used for Experian.

For entry options for Equifax, see Prev Addr 1 Street Type in Credit Report Record Fields: Equifax.

For entry options for TransUnion, see Prev Addr 1 Street Type in Credit Report Record Fields: TransUnion.

Prev Addr 1 Quadrant

This field is used only for Equifax and TransUnion. It is not used for Experian.

For entry options for Equifax, see Prev Addr 1 Quadrant in Credit Report Record Fields: Equifax.

For entry options for TransUnion, see Prev Addr 1 Quadrant in Credit Report Record Fields: TransUnion.

Prev Addr 1 Unit Type

This field is used only for Equifax and TransUnion. It is not used for Experian.

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

Prev Addr 1 Unit Number

This field is used only for Equifax and TransUnion. It is not used for Experian.

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

Prev Addr 1 City

This field is used for all credit bureaus. Enter the city in the subject’s previous address (up to 20 characters).

Prev Addr 1 State

This field is used for all credit bureaus. Enter the two-character U.S. Postal Service code for the state in the subject’s previous address.

Prev Addr 1 Zip Code

This field is used for all credit bureaus. Enter the ZIP Code in the subject’s previous address (xxxxx or xxxxx-xxxx).

Prev Addr 2 House Number

This field is not currently used.

Prev Addr 2 Directional

This field is not currently used.

Prev Addr 2 Street Name

This field is used only for Experian. It is not used for Equifax or TransUnion.

Choose one of the following:

• Enter a second previous street address for the subject (up to 40 characters).
• If you enter an asterisk (*****), the system 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. The system updates the fields on the Current Address Screen with information from the record you specify.

Prev Addr 2 Street Type

This field is not currently used.

Prev Addr 2 Quadrant

This field is not currently used.

Prev Addr 2 Unit Type

This field is not currently used.

Prev Addr 2 Unit Number

This field is not currently used.

Prev Addr 2 City

This field is used only for Experian. It is not used for Equifax or TransUnion. Enter the city in a second previous address for the subject (up to 20 characters).

Prev Addr 2 State

This field is used only for Experian and ChexSystems. It is not used for Equifax or TransUnion. Enter the two-character U.S. Postal Service code for the state in a second previous address for the subject.

Prev Addr 2 Zip Code

This field is used for Experian and ChexSystems. It is not used for Equifax or TransUnion. Enter the ZIP Code in a second previous address for the subject (xxxxx or xxxxx-xxxx).

Subscriber Code

This field is used for all credit bureaus.

This field specifies your credit union’s subscriber code for the credit bureau.

• Press Enter to accept the default subscriber code the system enters automatically when you specify the credit bureau at the Bureau prompt.
• Enter a different subscriber code (up to 10 characters).

Password

All credit bureaus use this field. It specifies your credit union’s password for the credit bureau.

We hardcode your password into the system, which uses it as the default. An asterisk (*****) appears in place of each character of the password.

• Press Enter to accept the default password the system enters automatically when you specify the credit bureau at the Bureau prompt.
• Enter a different password (up to 32 characters).

Note: Since you establish this password with the credit bureau, you normally do not make changes to it. For additional information, see Password.

Bureau Info

This field is used for all credit bureaus.

For entry options for Equifax, see Bureau Info in Credit Report Record Fields: Equifax.

For entry options for Experian, see Bureau Info in Credit Report Record Fields: Experian.

For entry options for TransUnion, see Bureau Info in Credit Report Record Fields: TransUnion.

SSN/TIN Search 1

This field is used for Equifax and Experian. It is not used for TransUnion. For entry options for Equifax, see SSN/TIN Search 1 in Credit Report Record Fields: Equifax. For entry options for Experian, see SSN/TIN Search 1 in Credit Report Record Fields: Experian.

SSN/TIN Search 2

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see SSN/TIN Search 2 in Credit Report Record Fields: Experian.

SSN/TIN Search 3

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see SSN/TIN Search 3 in Credit Report Record Fields: Experian.

SSN/TIN Search FACS+

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see SSN/TIN Search Facs+ Flag in Credit Report Record Fields: Experian.

Risk Model 1 - Risk Model 5

These fields are used only for Experian. They are not used for Equifax or TransUnion. For entry options, see Risk Model 1 - Risk Model 5 in Credit Report Record Fields: Experian.

Decode 01 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 01 in Credit Report Record Fields: Experian.

Decode 02 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 02 in Credit Report Record Fields: Experian.

Decode 03 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 03 in Credit Report Record Fields: Experian.

Decode 04 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 04 in Credit Report Record Fields: Experian.

Decode 05 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 05 in Credit Report Record Fields: Experian.

Decode 06 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 06 in Credit Report Record Fields: Experian.

Decode 07 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 07 in Credit Report Record Fields: Experian.

Decode 08 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 08 in Credit Report Record Fields: Experian.

Decode 09 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 09 in Credit Report Record Fields: Experian.

Decode 10 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 10 in Credit Report Record Fields: Experian.

Decode 11 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 11 in Credit Report Record Fields: Experian.

Decode 12 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 12 in Credit Report Record Fields: Experian.

Decode 13 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 13 in Credit Report Record Fields: Experian.

Decode 14 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 14 in Credit Report Record Fields: Experian.

Decode 15 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 15 in Credit Report Record Fields: Experian.

Decode 16 (Experian)

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Decode 16 in Credit Report Record Fields: Experian.

Bullseye Acct

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Bullseye Acct in Credit Report Record Fields: Experian.

Date Opened

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Date Opened in Credit Report Record Fields: Experian.

Date of Occurrence

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Date of Occurrence in Credit Report Record Fields: Experian.

Special Comment

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Special Comment in Credit Report Record Fields: Experian.

Association Code

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Association Code in Credit Report Record Fields: Experian.

Instant Update Acct

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Instant Update Acct in Credit Report Record Fields: Experian.

Status Code

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Status Code in Credit Report Record Fields: Experian.

Select Check Code

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Select Check Code in Credit Report Record Fields: Experian.

Original Creditor

This field is not currently used.

Send Consumer Copy

This field is used only for Experian. It is not used for Equifax or TransUnion. For entry options, see Send Consumer Copy in Credit Report Record Fields: Experian.

Decode 01 (Equifax)

This field is used only for Equifax. It is not used for Experian or TransUnion. For entry options, see Decode 01 in Credit Report Record Fields: Equifax.

Decode 02 (Equifax)

This field is used only for Equifax. It is not used for Experian or TransUnion. For entry options, see Decode 02 in Credit Report Record Fields: Equifax.

Decode 03 (Equifax)

This field is used only for Equifax. It is not used for Experian or TransUnion. For entry options, see Decode 03 in Credit Report Record Fields: Equifax.

Decode 04 (Equifax)

This field is used only for Equifax. It is not used for Experian or TransUnion. For entry options, see Decode 04 in Credit Report Record Fields: Equifax.

Decode 05 (Equifax)

This field is used only for Equifax. It is not used for Experian or TransUnion. For entry options, see Decode 05 in Credit Report Record Fields: Equifax.

Look Type

This field is used only for TransUnion. It is not used for Equifax or Experian. For entry options, see Look Type in Credit Report Record Fields: TransUnion.

Lookup Segment Indicator

This field is used only for TransUnion. It is not used for Equifax or Experian. For entry options, see Lookup Segment Indicator in Credit Report Record Fields: TransUnion.

Lookup Bureau Market

This field is used only for TransUnion. It is not used for Equifax or Experian. For entry options, see Lookup Bureau Market in Credit Report Record Fields: TransUnion.

Lookup Bureau Sub Market

This field is used only for TransUnion. It is not used for Equifax or Experian. For entry options, see Lookup Bureau Sub Market in Credit Report Record Fields: TransUnion.

Industry Code to be Decoded

This field is used only for TransUnion. It is not used for Equifax or Experian. For entry options, see Industry code to be decoded in Credit Report Record Fields: TransUnion.

Member Code to be Decoded

This field is used only for TransUnion. It is not used for Equifax or Experian. For entry options, see Member code to be decoded in Credit Report Record Fields: TransUnion.

Secondary Name

This field is used only for TransUnion. It is not used for Equifax or Experian. For entry options, see Secondary Name in Credit Report Record Fields: TransUnion.

Loan Type

This field is used for TransUnion and Experian. It is not used for Equifax. For entry options, see Loan Type in Credit Report Record Fields: TransUnion or Loan Type in Credit Report Record Fields: Experian. The valid data type is alphanumeric.

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

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. The system 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. This field is not visible and you cannot modify the value in this field.

Source

This field is set by the system 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 the system using the PowerOn PULLCREDITREPORT function in a specfile.

This field is not visible and you cannot modify the value in this field.

Application ID

This field is used only for Experian. It is not used for Equifax or TransUnion.

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 field is used only for Experian. It is not used for Equifax or TransUnion.

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

Rate Requested

This field is used only for Experian. It is not used for Equifax or TransUnion.

Enter the requested interest rate for the loan.

Vehicle Age (In years)

This field is used only for Experian. It is not used for Equifax or TransUnion.

Enter the age of the vehicle in years.

Vehicle Status

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

• N = New
• U = Used

Vehicle Cash Price

This field is used only for Experian. It is not used for Equifax or TransUnion.

Enter the vehicle’s cash price.

Vehicle Down Payment

This field is used only for Experian. It is not used for Equifax or TransUnion.

Enter the down payment placed on the vehicle.

Vehicle Net Trade In

This field is used only for Experian. It is not used for Equifax or TransUnion.

Enter the value of the trade-in vehicle.

Vehicle New Pmt Amount

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Loan Use

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

• B = Business
• P = Personal

Override Category

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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 field is used only for Experian. It is not used for Equifax or TransUnion.

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 field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

• 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 Type

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

• 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 Years

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Res 2 Years

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Res 1 Months

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Res 2 Months

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Res 2 Prev Years

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Res 1 Prev Months

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Res 2 Prev Months

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Inc 1 Total Frequency

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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

Dep 2 Number of Dependants

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Exp 1 Frequency

This field is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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

• Mortgage
• Rent

Exp 2 Residence Type

This field is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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 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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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 is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Auto Make

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Auto Model

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Auto Residual Factor

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Auto Sale Price

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Auto Down Payment

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Auto Rebate

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Auto Trade Loan Bal

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Auto Trade Alwnce

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Auto Capital Cost

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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 Equifax Requests).

Auto Lease Term

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

Prod Code 01

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

This field is used only for Experian. It is not used for Equifax or TransUnion.

Note: The system will use this currently inactive field in a future release.

Old Monthly Payment

This field is used only for Experian. It is not used for Equifax or TransUnion.

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

New Monthly Payment

This field is used only for Experian. It is not used for Equifax or TransUnion.

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. 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 Experian to ensure that you have an up-to-date list of freeze override Reason Codes (also known as Account Purpose Type Codes).

Phone Append

Phone Append is a TransUnion add-on product that searches an additional source, Permlink, for a consumer’s current personal phone number and area code. If you include Phone Append in the product request, Phone Append performs the search for all subjects returned for that product.

For all releases before Version 4, TransUnion does not use this field. For Version 4, you can access this field only if you enter (01) Credit, (03) TracePlus, (06) Peer, (08) Fact, or (10) Retrace at the Inquiry Type field.

Enter Yes (Phone Append processing requested) if you want a Phone Append report.

Score Model 01

Score models are online empirical scoring systems that analyze information about an individual to derive a numeric score that is predictive of certain behavior. Score models are TransUnion add-on products.

The system accepts up to 12 score models for a single TransUnion stand-alone product.

Note: For all versions before Version 4, TransUnion does not use the Score Model 01 - Score Model 12 fields.

*These models are available with score percentile ranking.

Score Model 02

Score models are online empirical scoring systems that analyze information about an individual to derive a numeric score that is predictive of certain behavior. Score models are TransUnion add-on products.

The system accepts up to 12 score models for a single TransUnion stand-alone product.

For a list of valid Score Model product codes, see Score Model 01.

Score Model 03

Score models are online empirical scoring systems that analyze information about an individual to derive a numeric score that is predictive of certain behavior. Score models are TransUnion add-on products.

The system accepts up to 12 score models for a single TransUnion stand-alone product.

For a list of valid Score Model product codes, see Score Model 01.

Score Model 04

Score models are online empirical scoring systems that analyze information about an individual to derive a numeric score that is predictive of certain behavior. Score models are TransUnion add-on products.

The system accepts up to 12 score models for a single TransUnion stand-alone product.

For a list of valid Score Model product codes, see Score Model 01.

Score Model 05

Score models are online empirical scoring systems that analyze information about an individual to derive a numeric score that is predictive of certain behavior. Score models are TransUnion add-on products.

The system accepts up to 12 score models for a single TransUnion stand-alone product.

For a list of valid Score Model product codes, see Score Model 01.

Score Model 06

Score models are online empirical scoring systems that analyze information about an individual to derive a numeric score that is predictive of certain behavior. Score models are TransUnion add-on products.

The system accepts up to 12 score models for a single TransUnion stand-alone product.

For a list of valid Score Model product codes, see Score Model 01.

Score Model 07

Score models are online empirical scoring systems that analyze information about an individual to derive a numeric score that is predictive of certain behavior. Score models are TransUnion add-on products.

The system accepts up to 12 score models for a single TransUnion stand-alone product.

For a list of valid Score Model product codes, see Score Model 01.

Score Model 08