|
Trades/Derogatory Trades/Collection Information Tradelines can be sorted and separated in a variety of ways for seamless integration with your specific workflow. In the example, the data is presented in a typical configuration and separated into different categories. Since the same data fields apply, we are discussing the section that has the most information available for illustration. |
|||||
| 1 | Creditor
Name The creditor's name is listed for each tradeline. |
2 | Account Number Account numbers are truncated for consumer protection. You can use the partial account number shown to compare to the 1003 application. |
3 | Account Description A description of the account type. |
| 4 | Repository
Identifier The repository identifier indicates the source of the tradeline information. |
5 | Past Due Identifies the number of days the account is delinquent as of the last update. |
6 | Last Past Due Indicates the month and year of the last past due payment. |
| 7 | Payment Pattern The payment pattern provides a visual view of the payment pattern. |
8 | Past Due Legend The past due legend corresponds to the Times Past Due field and provides the dates for the lates reported. |
9 | Reported Date Indicates the date the tradeline was reported to the repository. |
| 10 | Date of Last
Activity (DLA) Indicates the date of last activity on the account. |
11 | Opened
Date The date the account was established. |
12 | ECOA Indicates the relationship of the tradeline to the borrower by ECOA code. |
| 13 | Balance As of the last update, indicates the outstanding balance on the account. |
14 | Credit Limit Indicates the reported credit limit for the account. Not all creditors report a credit limit. |
15 | Payment Indicates the payment amount due each period. |
| 16 | High
Credit Indicates the historical high balance on the account. |
17 | Terms Indicates the terms of repayment granted by the creditor. Term definitions may include the length of the payment contract if reported to the repository. |
18 | Current
Status Indicates the current payment status by code. |
| 19 | Account
Type Indicates the type of account by code. The code differs for IR Web and Optima reports. |
20 | Months Reviewed Indicates the total number of months the account has been reviewed. |
21 | Times
Past Due Breaks down the payment history as reported to the bureaus by the creditor. Indicates the number of late payments over a period. |
| 22 | Remarks/Narratives Added details about the account supplied by the creditor. |
||||
|
|
|||||||||||||||||||||||||||||||||||||||||
|
||||||||||||||||||||||||||||||||||||||||||