The Equifax Credit reprot

The Equifax fields consist of the following:

Company Name: This is the name of the lender that is reporting credit information about you pertaining to an account you have with them.

Account Number: This specifies the account you have with the lender.

Whose Account: This specifies who is responsible for the account with the lender. There are nine types of accounts:
J = Joint Account I = Individual Account
U = Undesignated
A = Authorized User
M = Maker
C = Co-Maker or Co-Signer
B = On Behalf of Another
S = Shared

Date Opened: This states the month and the year when your account was opened with the lender.

Months Reviewed: This states the number of months the lender has reported your account's credit history to Equifax.

Date of Last Activity: This gives the date of last activity on your account, such as the latest payment received.

High Credit: This states the highest amount charged to your account, or the highest credit given to you by the lender.

Terms: This outlines the terms of your account with the lender,

such as, the number of installments per month, and the monthly payment amount on the loan.

Items As Of Date Reported/Balance: This states the amount owing on your account at the time it was reported to Equifax by the lender.

Items As Of Date Reported/Pmt Due: This gives the amount that is past due on your account at the time it was reported by the lender.

Items As Of Date Reported/Status: This represents the status of your account. It is given as a letter-number combination. The various codes are below:

Letter Codes:
O = Open (entire balance is due each month)
R = Revolving (payment amount is variable)
I = Installment (fixed number of payments)

Number Codes: 0 = Account is approved but unused
1 = Paid as agreed
2 = 30 days past due
3 = 60 days past due
4 = 90 days past due
5 = 120 days past due
7 = Making regular payments under wage-earner plan or similar arrangement
8 = Repossession
9 = Seriously delinquent bad debt (paid or unpaid)
(Note #6 is not used)

Date Reported: The date when information was last updated on your account.

Other Account Information: This enumerates various items that do not fit into the above categories, but still effect your credit.

Collection Accounts: This lists the accounts that your lenders turned over to collection agencies. It contains the following information:

• When the collection was reported
• When your account was given to a collection agency
• The amount involved in the collection
• The date of last activity on your account
• Type of account

Courthouse Records:

This contains public record items, obtained from local, state, and federal courts, that reflect your history of meeting your financial obligations.

Additional Information:

This gives information about your previous addresses and places of employment as reported by your lenders.

Inquiry Section:

This gives a list of businesses that have received your credit report in the last 24 months.

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The Transunion Credit Report