![]() Civil judgments or tax liens reported for the consumer over the past 7 years.This information is obtained from county, state and federal courts and provides notification of: Public record information is maintained on a consumer’s file in compliance with the Fair Credit Reporting Act (FCRA) and Fair and Accurate Credit Transactions Act (FACTA). *Note: Fields with dollar amounts will display K=Thousands, M=Millions. (24) Totals for second row headers are included for: Revolving, Installment, (Mortgage, Open and Closed with Balance accounts not shown on sample report). Field is calculated by subtracting balance from credit limit divided by credit limit (23) Percent of credit available for revolving, check credit and open accounts. (22) From the “TERMS” field on the account subscriber-reported monthly payment. (21) Amount past due as of the date verified or closed. (20) Balance owed as of the date verified. (19) Maximum credit amount approved by credit grantor. (18) Highest amount ever owed on an account. (16) Total number of open accounts (Account type “O”).įrom left to right, headers on the second row read as follows: (15) Total number of mortgage accounts (Account type “M”). (14) Total number of installment accounts (Account type “I”). (13) Total number of revolving and/or check credit accounts (Account types “R” and “C”). (12) Total number of trades. TRD value is the sum of RVL, INST, MTG and OPN values. Iii=Total number of times MOP 2 or greater rating have historically occurred. Tt=Total number of accounts with an historical MOP 2 or greater. ![]() (11) HISTORICAL NEGATIVE: Displayed in tt-iii format. (10) Total number of accounts with a current manner of payment (MOP) 2 or greater. (9) Total number of collection accounts account with Kinds-Of-Business (KOB) code of “Y”.
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