The Transunion Credit Report

TransUnion uses different field designations than Equifax. They are:
Subscriber Name: The field gives the name of the lender.

Account Number: This states your account number with the lender.

ECOA: This is the Equal Credit Opportunity Act account designations. These codes describe the type of ownership of your account. They are:
A = Authorized user of shared account
C = Joint contractual liability
I = Individual account for sole use of applicant
M = Co-signer primarily liable for account
N = Non-applicant spouse inquiry
P = Participant in shared account which cannot be designated as C or A
S = Co-signer, no spousal relationship
T = Relationship with account terminated
U = Undesignated

Subscriber Code: This states the lender's subscriber code number.

Date Opened: This gives the date your account was opened.

High Credit/Credit Limit: This states the high credit or the highest amount ever owed on your account.

Date Verified/Date Closed:

This is the date when the credit information was reported to TransUnion. These dates all have letter codes. They are:
A = Automated
C = Closed
D = Declined
F=Repossessed/Written Off/Collection H = Hired
I = Indirect
M = Manually frozen
N = No record
P = Paid out
R = Reported but not verified
S = Slow answering
T = Terminated or temporarily frozen
U = Never/Not used account
V = Verified
X = No reply

Balance Owing: This shows the amount owing on your account as of the date reported above.

Amount Past Due: This field shows the amount past due on your account as of the date reported above.

Type of Account and MOP: This consists of two series of codes: The type of account and the manner of payment on your account. The codes are:
Type of Account:
O = Open account (30,60,or 90 days)
R = Revolving or Option account
I = Installment account
M = Mortgage
C = Check credit (line of credit)

MOP (Manner of Payment):
00 = Not rated, too new to rate; or approved but not used
01 = Pays (or paid) within 30 days of billing; pays account as agreed
02 = Pays (or paid) in more than 30 days, but not more than 60 days, or not more than one payment past due
03 = Pays (or paid) in more than 60 days, but not more than 90 days, or two payments past due
04 = Pays (or paid) in more than 90 days, but not more than 120 days, or three payments past due
05 = Pays (or paid) in 120 days or more
07 = Making regular payments under wage-earner plan, or similar arrangement
08 = Repossession:
8A = Voluntary repossession
8D = Legal repossession
8P = Payment to a repossession account
8R = Repossession redeemed
09 = Bad debt; charged-off account
9B = Collection account
9P = Payment to a charged-off account
UR = Unrated
UC = Unclassified
RJ = Rejected

Collateral: This gives the collateral put up for an installment loan.

Terms: This outlines the term of the loan, such as, the number of payments, frequency of payment, and the dollar amount due for each payment.

Remarks/Type Loan: This describes the type of installment loan, such as, a car, a boat, personal, etc.

Maximum Delinquency (Date/Amount/MOP): This mentions the date when the maximum state of delinquency occurred, the total amount involved, and the rating at the time of delinquency.

Payment Pattern: This describes your payment pattern for your account covering the last 24 months.

Historical Status: This gives historical information about your account, such as when the account was reported to TransUnion, the number of times your payment was late, etc.

Other Account Information: This lists those items that do not fitinto the above fields.

Inquiry: This lists the names of companies that have inquired about your credit file over the last 24 months.

Promotions: This lists the companies that were given credit information about you in connection with promotional activities that they were carrying out.

Collection: This lists all your accounts that are or were turned over to collection. This field contains the following information:
 

• The subscriber code of the lender
• The amount of the collection
• The ECOA designator
• The status of your account
• The date collection was reported to TransUnion
• The date your account was paid (if applicable)
• The lender involved in the unpaid balance

 The collection status codes are as below:

 BK = Bankrupt

 BL = Discharged in bankruptcy

 CC = Consumer counseling

 CD = Dispute after resolution

 DM = Dismissed

 DP = Disputed

 MP = Making payments

 PD = Paid

 SK = Skip

 UK = Unknown

 UP = Unpaid

 WE = Wage-earner bankruptcy

Public Record:

This lists public record information about you. This will include: The location of the court where the public record was recorded, the court type, the date the public record was reported to TransUnion, the ECOA designator, any liabilities or assets, and the type of public record. This list will also include the date paid (if applicable), the docket number,the plaintiff and attorney involved in the case.

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