Detailed information from Equifax on their credit bureau report

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Fraud Services

2. Consumer Credit Report
NOTE: THIS REPORT SHOWS A SAMPLE OF POTENTIAL INFORMATION FOUND ON A CREDIT REPORT. THIS IS NOT AN ACTUAL REPORT.
[1] NM-TEST,EQUIFAX.
CA-110,SHEPPARD,,TORONTO,ON, M2B6S1
FA-1231,15TH AVE,,CALGARY, AB, T3C0X6
ID-BDS-02-16-42,SSS-424-694-038.
ES-OWNER,TESTS HAIR SALON
[2] Equifax and Affiliate Bureaus - Refer Consumer inquiries to 1-800-465-7166.
[3] CAUTION - WRONG SSS NUMBER
[4] FN 00-0008094-00-021 UN 3455234199 [5] 01/07/03
[6] SAFESCAN WARNING:
CONFIRMED TRUE NAME FRAUD
[7] RISK SCORE : 453
SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED.
TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN.
LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED.
NUMBER OF ACCOUNTS WITH DELINQUENCY
BANK. NAV. INDEX SCORE: 191
AGE OF DEROGATORY PUBLIC RECORDS.
AVERAGE AGE OF RETAIL TRADES.
AVERAGE AGE OF TRADES.
NUMBER OF RETAIL TRADES WITH HIGH UTILIZATION
[8] *TEST,FILE,EQUIFAX [9] SINCE 01/23/75 [10] FAD 02/12/03
[11] 110,SHEPPARD,,TORONTO,ON M2B6S1,STS RPTD 01/03
[12] 1231,15TH AVE,,CALGARY,AB T3C0X6,TAPE RPTD 01/02
[13] 2314,11TH AVE 1201,,TORONTO,ON M4W3C1,CRT RPTD 01/00
[14] AKA-PRETEND,FILE,EQUIFAX
[15] BDS-02/16/42
[16] *INQS-SUBJECT SHOWS 3 INQUIRIES SINCE 12/02
[17] 01/28/03 001BB5697 BANQUE SCOTIA (514) 499-5922
12/08/02 481FF722 ASSOCIATES FINANCIAL (800) 253-7854
12/02/02 057ON374 PRESIDENTS CHOICE MC (866)246-7262
10/13/02 481BB99080 SCOTIABANK
06/02/02 INTLUSA 401BB17978,TD/GM VISA
[18] # INQS - 38
[19] ES - OWNER,TESTS HAIR SALON.
[20] EF - HAIR STYLIST,HILTON HOTEL.
[21] E2 - HAIR STYLIST,DISNEY CRUISE LINE,TOR,ON,EMP 04/95,VER,02/99,1900$,LEFT 02/99
[22] SUMMARY 01/01 - 01/03, 4-PR/OI, FB-NO, TOTAL-3, HC$2K-28K, 1-ONE, 1-TWO, 1-OTHER
[23] *PUBLIC RECORDS OR OTHER INFORMATION
01/00 BKRPT MIN OF ATTORNEY GEN,22855,MORRIS ETAL,LIAB$2800,ASSET$480,SUBJECT,IND,DISCHARGED 10/00
BANKRUPT ABSOLUTE DISCHARGE
[24] 04/02 UP CL NORDON COLLECTION,$482,DC,BRN-55555 SEARS,
DLA - 01/02,BAL-$482,ACC-1111111,
SUBJECT DISPUTES THIS ACCOUNT
[25] 08/02 SECLN CENT REG TOR, FP,SUPERIOR CREDIT 9 ELLIS AV TOR
3600,,MATURE 12/04 SECURITY DISPOSITION UNKNOWN
[26] 05/02 JUDG,481VC297,$4800,DEF-FILE TEST,55555/02TRANS CANADA CREDT
DISPOSITION UNKNOWN
[27] TRADE INFORMATION SECTION
BUS/ID CODE RPTD OPND H/C TRMS BAL P/D RT 30/60/90 MR DLA
CIBC (403) 974-6326
J 007BB1351 01/03 04/01 28K 555 4200 555 I2 04 03 01 21 11/02
PREV HI RATES: I3 07/02, I4 06/02, I5 02/02.
ZELLERS
I 650DV14 01/03 01/01 2800 26 2555 R1 00 00 00 23 01/03
TD VISA (416) 982-5065
650ON44 01/03 LOST OR STOLEN CARD
[28] BANKING INFORMATION SECTION
SCOTIABANK (514) 499-5922
01/03 001BB5697 09/99 L5F,CHEQING/SAVINGS ACCT, 4 NSF 2002
[29] NARRATIVE RPTD 04/02 PURGE 06/05
*****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT CREDIT
APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU ACCESS
THIS FILE AS PART OF A CREDIT CHECK,PLEASE VERIFY WITH THE CUSTOMER THAT IT IS
LEGITIMATE BEFORE EXTENDING CREDIT/PHONE (123) 456-7890
[30] SAFESCANNED [31] &
END OF REPORT

3. Legend
[1] INQUIRY DATA: Shows information used to inquire on the file.
[2] CONSUMER REFERRAL TELEPHONE NUMBER:
Tells credit grantor where consumers may call if they are denied credit.
[3] CONSUMER FILE ALERT: Information on inquiry does not match file or is invalid.
[4] FN, UN: File Number and Unique number for Equifax internal use only.
[5] Date file was accessed (mm/dd/yy).
[6] SAFESCAN WARNING: Fraud alert message warns you of potential application fraud. (Available only to SafeScan subscribers.)
[7] SCORES AND REASON CODES: A risk score accompanied by up to four reason codes appears in this section. Reason codes indicate
the main reasons for the score. (Available only to risk score subscribers.)
IDENTIFICATION SECTION:
[8] Subject.
[9] Date file was established.
[10] Date of last activity on file.
[11] Current address, origin and date added to file.
[12] Former address.
[13] Second former address.
[14] AKA or name subject is also known as.
[15] Date of birth (mm/dd/yy). SIN will only display here if provided on input and matches with information on file.
INQUIRIES SECTION:
[16] INQS - Indicates the number of inquiries in the last 90 days.
[17] Date and member name for inquiries in the past 36 months.
[18] Member phone number for inquiries in past 12 months.
# INQS: Total number of inquiries since file established.
EMPLOYMENT SECTION:
[19] ES (employment subject) Position, firm, location, date employed, date verified, monthly salary.
[20] EF (employment former) Position, firm, location, date employed, date verified, date left.
[21] E2 (employment second former) Position, firm, location.
[22] SUMMARY SECTION (provides synopsis of file items):
01/01 Oldest opening date of trade.
01/03 Newest reporting date of trade.
4-PR/OI Number of public record items or other information on file.
FB-NO Foreign bureau information. NO indicates file contains no foreign bureau information.
TOTAL- 3 Number of trades on file.
HC$2-28K High credit range of trades on file.
1-ONE
1-TW0 Ratings of trades on file.
1-OTHER
[23] PUBLIC RECORDS OR OTHER INFORMATION:
Bankruptcies: A person legally declared to be unable to pay debts (date filed, type of action, court name code, case number and trustee, liability,
assets, filer [subject, spouse or both], type of bankruptcy [IND for personal; BUS for business].
[24] Third party collections: A debt which a creditor is unable to collect and hires a third party to do so (reported date, type of collection
[UP CL - unpaid collection or PD - paid collection], name of third party collection agency, original amount of collection, industry classification
[creditor], branch and company [creditor], date of last consumer activity, balance as of date reported).
[25] Secured loans: A chattel mortgage, registered loan, or registered lien is a loan where the debtor has given personal property as collateral and
the loan is registered with the provincial government. This is not derogatory information. (Secured loans are not extended in the province of
Quebec.) [date reported; type of account; name of reporting government agency; industry type of creditor; case number, name and address of
creditor; amount of loan; maturity date]; disposition (security disposition unknown or security discharged).
[26] Judgments: A court order against a debtor for payment of monies owing (date judgment granted or date filed; judgment status [ST JD - satisfied
judgment, JD GT - judgment]; court identification number/name of court; amount of judgment; defendant; judgment number; plaintiff; status of
judgment [satisfied, unsatisfied or disposition unknown] and date, when applicable).
Other public record information may include foreclosures, credit counselling, and orderly payment of debt (OPD).
[27] TRADE
Company name and/or telephone number and/or customer number.
Second Line:
RPTD - Date item last reported to Equifax.
OPND - Date account was opened with credit grantor.
H/C - High credit on the account; the highest amount owed or credit limit.
TRMS - Monthly repayment amount.
BAL - Balance owing as of date reported.
P/D - Past due amount as of date reported (shown if applicable).
RT- Types of accounts or manner of payment:
30/60/90 - Number of times account has been reported past due 30/60/90 days.
MR- Months reviewed.
DLA - Date of last activity.
*Indicates the information was updated by an accounts receivable tape.
[28] BANKING INFORMATION SECTION:
Company name and telephone number; date item was reported to Equifax; Type of account; customer's member number; date account was
opened with credit grantor; balance of account (approximate range); additional information on account.
[29] CONSUMER STATEMENT SECTION: Statement the consumer or subject added to the file to explain discrepancies or other comments.
[30] SAFESCANNED: Indicates inquiry was run through our fraud database. Available to subscribers only.
[31] &: Indicates end of report.

4. Consumer Credit Report
TRADE INFORMATION DESCRIPTIONS
SUMMARY Section: Recap of trade lines oldest opening date of trade to newest reporting date of trade; PR/OI number of public record/other informa-
tion items; FB number of foreign bureau postings or inquiries; TOTAL number of trade items; HC High Credit range; number of ratings.
Types of accounts:
O - Open account (30 days or 90 days)
C - Line of Credit
R - Revolving or option (open-end account)
M- Mortgage
I - Installment (fixed number of payments)
MANNER OF PAYMENT (North American Standard Account Ratings):
0 - Too new to rate; approved but not used.
1 - Pays (or paid) within 30 days of payment due date or not over one payment past due.
2 - Pays (or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than two payments past due.
3 - Pays (or paid) in more than 60 days from payment due date, but not more than 90 days, or not more than three payments past due.
4 - Pays (or paid) in more than 90 days from payment due date, but not more than 120 days, or four payments past due.
5 - Account is at least 120 days overdue but is not yet rated "9".
7 - Making regular payments under a consolidation order or similar arrangement.
8 - Repossession (voluntary or involuntary return of merchandise).
9 - Bad debt; placed for collection; skip.
Glossary
Key words are specific abbreviations in various sections of the credit file. Please use this list to interpret the abbreviations when you see them.
* Indicates an update from a trade source FORCL Foreclosure SINCE Date file was established
A Spousal account FS Date file was established SPECL Special notice item
ACC Account number GARN Garnishment SSS Social insurance/subject
AGE Age of subject H/C High Credit STJD Satisfied judgment
AKA Also known ss I Installment account (individual) STS System-to-system
ASSET Assets (Amount) ID Identification information customer
B Both IND Individual TRMS Terms
BAL Balance INQS Inquiries U Unknown
BDS Birth date-Subject IN VOL Involuntary UN Unique file number
BKRPT Bankruptcy INVER Indirectly verified UPCL Unpaid collection
BRN Creditor's name and/or address J Joint VER Date verified
BUS Business industry code JUDG Judgment VLDEP Voluntary deposit
CA Current address LEFT Date left employment VOL Voluntary
CASE NO. Case number LIAB Liabilities (amount) W Widow, widower
CDC Consumer debt counselling LWR Lawyer XX Automatic combine
CHKAC Chequing account M Married & End of report
CRCLD Court consolidation MAR Marital status
CRT Update by in-house operator MATURE Date of maturity
D Divorced MR Months reviewed
DAPA Debtor assistance pool account N/RES Non-responsibility notice
DEF Defendant NSF Non-sufficient funds
DEPS Dependants NV Not Verified
DIS Dispute following resolution O Own or open account
DLA Date of last activity OPD Orderly payment of debt
DN Death notice P Separated
EF Subject's former employment PD Date paid
EMP Date employed PDCL Paid collection
ES Employment - subject P/D Past due amount
E2 Subject's second former PR/BK Proposal under bankruptcy
employment PR/OI Public records or other
FA Former address information
F2 Second former address R Revolving account
FAD File activity date RPTD Date reported
FB Foreign bureau RT Current rating
FN File number or former name S Single / Subject
(depends on line) SAVAC Savings account
SECLN Secured loan
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Equifax representative or call toll free 1 877 227-8800
Equifax is a registered trademark of Equifax Inc. Visit our website at www.equifax.ca
CIS 105 0303 E