Credit Reports Repair . Com
Credit reports repair information to help you carry out self credit report repair
Experian Credit Report
A copy of experian credit reports can be obtain by providing experian with your social secrurity number and a legal mailing address.
Given here is a sample of experian credit reports
Experian Credit Report Layout
1. Inquiry Data in experian credit report shows the request data including operator initials, consumer name, SSN, current address, and keywords.
2. Report Header. Appears at the top of experian credit reports to identify the operator, a user reference (if provided) and the timestamp.
3. The consumer's name and address, as known to Experian. (An asterisk may indicate an address discrepancy.)
4. Social security number in experian credit report may include other numbers the consumer has used, or an erroneous SSN reported by creditors.
5. Employment history in experian credit reports includes employers and dates reported.
6. RPTD in experian credit report indicates when the address was reported. LAST SUB is the last Experian subscriber reporting it. A former address is often included.
7. Date of Birth.
8. Aliases and AKA names. A maiden name may appear here, as well as nicknames, typing errors, and data input variations.
9. Demographics (Experian option.) PH - Phone number, coded for source and type. DL - Drivers license. HM - Homeowner or renter.
10. Fraud Shield Summary (Experian option, formerly FACS+) warns you of potentially fraudulent or inconsistent information based on the inputted address, date of birth, phone number, drivers license and Social Security number.
11. Profile Summary (Experian option.) CNT shows the count of 30, 60, 90, and 7-year total derogatory trade items. PAST DUE AMT in experian credit report is the total of past due amounts. NOW DEL/DRG is how many accounts show current derogatory status. OLD TRADE indicates credit experience, based on the oldest account.
12. Risk Models (Report option or bureau preset.) FICO or other credit scores appear here, along with the most significant Score Factors (reason codes) for the particular consumer
13. Public Records in experian credit report may include bankruptcy, judgments, tax liens, etc. Line 1 of experian credit report shows court name, filing date, status date, court code, amount, and type of public record. Line 2 of experian credit report shows reference number, ECOA code and plaintiff. Line 3 of experian credit report shows book page, docket number, and consumer's comment, if applicable.
14. Trades are the main body of the report, and may include installment loans, revolving accounts, mortgages, collections and other accounts, whether open or closed.
15. Inquiries in experian credit report shows the Experian subscribers that have recently requested the credit report, by name, date, subscriber code, and kind of business (with type, terms and amount, in some cases.)
16. Consumer Assistance Contact provides Experian's address and phone number (to be given to the consumer with any adverse action notice based on this credit report.)
17. Consumer's Statement is a short message added to the credit file by request of the consumer, typically to dispute or explain derogatory items that were not successfully removed.
Back To -> Credit Reports Dispute
copyright © www.credit-reports-repair.com 2005
