How to Read an Equifax Credit Report - Oracle
How to Read an Equifax Credit Report
June 2014
FADV0037
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All names in the text, or on the sample reports and screens shown in this document, are of fictitious persons and entities. Any similarity to the name of any real person, address, school, business or other entity is purely
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Table of Contents
Introduction ..................................................................................................................... 1 About this document......................................................................................................... 1 Credit Report Sections ...................................................................................................... 2
Identification Information Section .................................................................................................................. 2 Identity Scan Warning Section ....................................................................................................................... 3 Report Summary Section .............................................................................................................................. 3 Public Records Section.................................................................................................................................. 5
Bankruptcy ............................................................................................................................................. 5 Judgment ............................................................................................................................................... 6 Tax Lien.................................................................................................................................................. 7 Collection Information Section....................................................................................................................... 8 Trades Section ............................................................................................................................................ 9 Inquiries Section........................................................................................................................................ 11 Messages Section ...................................................................................................................................... 11 Consumer Statement and Consumer Assistance Contact Sections ...................................................................... 11
Appendix A: Sample of Equifax Credit Report.................................................................... 12 Appendix B: Codes and Description .................................................................................. 15
ECOA Codes............................................................................................................................................. 15 Portfolio Types.......................................................................................................................................... 15 Rate/Status Codes used in Payment History ................................................................................................... 16
How to Read an Equifax Credit Report FADV0037
June 2014
Introduction
An Equifax Credit Report provides information about the financial history of an individual. This report helps you to predict possible risk stemming from financial problems that can lead to failure in maintaining property or cause distractions, which may lead to the submission of fictitious claims or inflated legitimate claim amounts.
Note: The sections in this report appear based on the subject's financial history. For example, if a subject has no Public Records/Legal Items on record, that section will not appear in the report.
About this document
This document explains how to read and interpret the information present in an Equifax Credit Report. This document includes screenshots from a sample report and contains fictitious information.
Copyright ? 2014 First Advantage. All rights reserved.
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How to Read an Equifax Credit Report FADV0037
Credit Report Sections
Identification Information Section
June 2014
This section displays information about the subject including name, SSN, and addresses. 1) File Date ? The date when the records were obtained through Equifax 2) FILE SINCE ? The date the file was established 3) File Activity Date ? The date of most recent activity on file 4) Applicant Provided SSN ? Social Security Number provided by the subject 5) SSN Match ? Indicates if the SSN provided by the subject matches with the SSN present in the Equifax database 6) Inquiry SSN Issued Date ? The date when the SSN was issued 7) Inquiry SSN Issued State ? The state where the SSN was issued 8) SUBJECT NAME ? Name of the subject 9) FORMER NAMES ? Other names of the subject 10) CURRENT ADDRESS ? Current address of the subject 11) First Reported ? Year and month when the subject started residing at this address 12) Last Reported ? The date when the subject stopped residing at this address 13) FORMER ADDRESS(ES) ? Former addresses of the subject
Copyright ? 2014 First Advantage. All rights reserved.
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