Glossary

Free Tenant Screening

UNLAWFUL DETAINER SEARCH RESULTS / SKIPS DAMAGES SEARCH RESULTS (PROVIDED BY TSC) NOTE: CREDIT REPORTING AGENCY CONTACT INFORMATION CREDITOR CONTACT INFORMATION INQUIRIES BY CREDITORS THE DATE AND LENGTH OF DELIQUENCY HISTORY OF THE ACCOUNT / REMARKS ECOA KEY: B = BORROWER; C = CO-BORROWER; S = SHARED; J = JOINT; U = UNDESIGNATED; A = AUTHORIZED USER THE ACCOUNT PAYMENT TERMS/MONTHS — AS AGREED (NO LATE PAYS) — DELIQ (CURRENTLY DELIQUENT) THE ACCOUNT TYPE — MTG (MORTAGE) — INST (INSTALLMENT LOAN) — REV (CREDIT CARD)-EDU (EDUCATION) — AUT (AUTO) PAST DUE ACCOUNT HISTORY — 30/60/90 + DAYS LATE THE AMOUNT PAST DUE THE AMOUNT OWED THE AMOUNT BORROWED/THE CREDIT CARD HIGH LIMIT THE LAST DATE THE CREDITOR REPORTED INFORMATION TO THE CREDIT BUREAU / DLA (DATE LAST ACTIVITY) THE DATE THE ACCOUNT WAS ESTABLISHED/MONTHS REVIEWED TRADELINES PER ACCOUNT (CREDITOR) PUBLIC RECORDS — BANKRUPTCY — STATE/FEDERAL TAX LIENS — SMALL CLAIMS — MONEY JUDGEMENTS NUMBER OF PUBLIC RECORDS IN THE CREDIT FILE (SEE KEY CODE 11) TOTAL TRADELINES BROKEN DOWN INTO CATAGORIES — MORTGAGE — INSTALLMENT LOAN (AUTO-EDUCATION-UNSECURED BANK LOANS) — OPEN (NOT ABLE TO CATAGORIZE) — REVOLVING (CREDIT CARD DEBT) — OTHER (ACCOUNTS SOLD TO A COLLECTION AGENCY/WRITTEN OFF AS A BAD DEBT) THE DATE THE CREDIT FILE WAS ESTABLISHED NUMBER OF PUBLIC RECORDS IN THE CREDIT FILE (SEE KEY CODE 11) ACCOUNTS PAYMENT HISTORY — CURRENTLY SATISFACTORY — CURRENTLY DELIQUENT — PREVIOUSLY DELIQUENT — COLLECTIONS/CHARGE OFFS (ACCOUNTS SOLD TO COLLECTION AGENCYS OR WRITTEN OFF AS BAD DEBTS) TRADELINES — TOTAL NUMBER OF ACCOUNTS FOUND IN THE CREDIT FILE EXPERIAN - FAIR ISAAC Score Codes 40 - derogatory public record or collection field 39 - serious delinquency 38 - serious delinquency and public record or collection filed 33 - proportion of current loan balance to original loan amount 32 - no recent installment loan information 24 - lack of recently reported balances on revolving/open accounts 21 - amount past due to accounts 20 - length of time since legal item filed or collection item reported 18 - number of accounts delinquent 16 - insufficient or lack of revolving account information 15 - insufficient or lack of bank revolving account information 14 - length of time accounts have been established 13 - length of time (or unknown time) since account delinquent 12 - length of revolving account history 10 - proportion of balance to high credit on bank revolving or all revolving accounts 09 - number of accounts opened within the last 12 months 08 - number of recent inquiries 06 - number of finance company accounts 05 - number of accounts with balances 02 - delinquency reported on accounts 01 - current balances on accounts CREDIT SCORE LOWEST — 501 HIGHEST — 990 NATIONAL AVERAGE — 725 EMPLOYMENT ON FILE WITH THE CREDIT REPORTING AGENCY ADDRESSES ON FILE WITH THE CREDIT REPORTING AGENCY XP=EXPERIAN (CREDIT REPORTING AGENCY) AKA (ALSO KNOWN AS) OTHER NAMES PREVIOUSLY REPORTED