Experian’s Credit Profile Report gives you the accurate, current and complete information you need to: • Acquire new business — Make decisions about new customers and new accounts with speed and accuracy • Manage customers — Monitor, evaluate and make decisions based on changes in the customer profile as they occur • Maximize collections — Detect potential fraudulent activity and take action where your recovery chances are greatest File One is your key to profitable decision making Complete — The most comprehensive nationwide consumer credit information available Accurate — High-integrity, current information is provided Easy to read — Our easy-to-read format groups similar data elements together for faster analysis Flexible — Optional display formats available Current and relevant credit information — Higher hit ratios, more complete files and a unique file matching system that examines many variables Saves you time and money — Eliminates multiple inquiries and replaces manual searches for information For your reference, a sample Credit Profile Report is provided on the following pages. To access test data using test subcodes, please contact your Experian sales representative. Credit Profile Report Unsurpassed data precision and file coverage The best decisions begin with the best information. Experian’s Credit Profile Report offers unparalleled accuracy and superior data quality generated by the File One SM system.
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Experian’s Credit Profile Report gives you the accurate, current and complete information you need to:
• Acquirenewbusiness—Makedecisionsaboutnewcustomers andnewaccountswithspeed and accuracy
• Managecustomers—Monitor,evaluateandmakedecisionsbasedon changes in the customer profile as they occur
• Maximizecollections—Detectpotentialfraudulentactivityandtakeactionwhereyourrecoverychances are greatest
FileOneisyourkeytoprofitable decisionmaking
Complete — The most comprehensive nationwideconsumercredit informationavailable
Accurate — High-integrity, current information is provided
Easy to read — Our easy-to-read format groups similar data elements together for faster analysis
Flexible — Optional display formatsavailable
Current and relevant credit information — Higher hit ratios, more complete files and a uniquefilematching system that examines manyvariables
Saves you time and money — Eliminatesmultipleinquiries and replaces manual searches for information
For your reference, a sample Credit Profile Report is provided on the followingpages.
Toaccesstestdatausingtestsubcodes,please contact your Experian salesrepresentative.
Credit Profile Report Unsurpassed data precision and file coverage
The best decisions begin with the best information. Experian’s Credit Profile Report offers unparalleled accuracy and superior data quality generated by the File OneSM system.
Experian’s Credit Profile ReportFiles on more than 215 million credit-activeconsumersnationwidearemaintainedinExperian’sdatabase.Yourinquiryinitiatesasearchofthisdatabase,whichproducesanapplicant’scredithistory—theCreditProfileReport.Anillustrationanddescription of a sample Credit Profile Reportfollow.ToaccessourSTAR2000testdatabase,pleasecontactyourExperiansalesrepresentative.
Lastsubscriberreportingtheconsumerat his or her current address
Anasteriskprecedinganyaddressindicates the address did not match inquirycurrentaddress
Employer’s name and address, including time frame reported and source:
U = Update tapeI =Inquiry
Previous employer’s name and address, withtimeframereportedandsource
Consumer identifying (personal)information
Inquiry
fe g h
Dateandtimethat thereportwaspulled
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Messages(consumer)TheMessagessectionmayincludegeneral consumer statements and informational or other special messages.Consumerstatementsrelatingtoatradelineorpublicrecord item appear directly after theitem.
FraudShieldSM summaryTheFraudShieldSM summary contains messages related to FraudShieldfraudpreventionservices.ContactyourExperiansales representative for moreinformation.
ProfileSummaryProfileSummarycontains17significant calculations from the CreditProfileReport.Thisis
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C optionalwithPSUMkeywordoninquiry,orcontactyourExperiansalesrepresentative.
ScoreSummaryRiskmodelscoresaregenerated if you use Experian’s creditriskmodels.ThisisoptionalwithRMkeywordoninquiry,orcontactyourExperiansalesrepresentative.Thisalsomay optionally display score factorcodedefinitions.
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SM
SM
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H Publicrecords Publicrecordinformationconsistsofbankruptcies,liensandcivilactionsagainstaconsumer.
Payment status comments reflect the payment history of the account asofthebalancedate.
Type of account
Consumer’s payment history during thepast25monthsbeginningwith themonthrepresentedbythebalancedate.Thecodesreflectthe status of the account for each monthandaredisplayedforbalancereportingsubscribersonly:
C Current
NCurrentaccount/Zero balance—noupdatetape received for this trade
B Accountconditionchange: paymentcodenotapplicable
-(dash)Nohistoryreportedfor that month
BlankNohistorymaintained; see payment status comment Consumer’saccountnumber
Codedescribingconsumer’s association to the account per theEqualCreditOpportunityAct.
Terms of account
Maximumdelinquencyandpayment code is the most recent date and codeoftheworststatus
Monthsreviewedindicatesthetotalnumberofmonthshistoryhasbeenmaintained for the account
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InquiriesInquiriesindicatethataCreditProfileReportwasreceivedonthatdatebythesubscriberlisted.Inquiringsubscribername,numberandKOBareshown.Type,terms and amount may display and are fromthesubscriber’sinquiryinput.
DirectCheckSM
DirectCheckSM is the fastest, mostinexpensivewaytocontactothercreditgrantorstoobtaintheupdated information that you need aboutyourcustomer.Contactyour Experian sales representative for moreinformation.
ConsumerAssistanceName,address,telephonenumberandWebsiteofExperian’sconsumerassistance office or credit reporting
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KSM
agency nearest to the consumer’s currentaddress.Useforconsumerreferrals.Displayiselective;contactyourExperiansalesrepresentative.
TofindoutmoreaboutCreditProfileReport, contact your local Experian sales representative for more informationorcall18884141120.