AmRent Report Reference Guide

Transcription

1 AmRent Report Reference uide

2 AmRent 87 RNTR ROA 8 PARKWAY NTR PITTSBUR, PA PRPAR FOR: AMRNT TST OMPANY 789 R APPL R OLUMBUS O 43 ATTNTION: YOUR NAM R ISION RIT RPORT AT RIV: //3 3 APPLIANT RPORT TYP: INIVIUAL INPUT INFORMATION: NAM: JO ONSUMR SSN: XXX-XX-796 OB: 8//8 43 RR LASOW KY 44 URRNT ARSS: 43 RRA LASOW KY 44 SIN: 4/ X 6 APPLIANT OS NOT MT PROPRTY RITRIA USTOMR MAY INSRT USTOM MSSA VITION FILIN FLONY SX OFFNR RISTRY SXUALLY ORINT OFFNSS RVOLVIN INSTALLMNT RAL STAT OPN/OTR TOTAL 4 OMPUTR I #: LNR AS #: AMRNT_SAMPL ISION RSULTS ISION FATORS RIT SUMMARY PRSNT MPLOYMNT: AM AUTOBOY FROM: //9 POSITION: LA MANI PRVIOUS MPLOYMNT: TTL AUTOPARTS FROM: 4// POSITION: MANI TFT, BURLARY, LARNY, BRAKIN & NTRIN, ROBBRY FLONY - ONVITION 7 Phone: Fax: AT OMPLT: //3 MPLOYMNT INFORMATION PAYMNTS BALANS LIMITS TRAS ,34 4,93 8,78,77 97,64 4,493 3,8, 8, #INQUIRIS PUBLI RORS F 3 #BANKRUPTIS WORST TRA 9 OLST AT I 8//88 #SATISFATORY J 8 PAST US K,63 8 A A A B SORIN RNTWIS +88 I PROPORTION OF LINQUNT TRAS AN/OR PUBLI RORS PAYMNTS U ON AOUNTS LIMIT RIT XPRIN PROPORTION OF BAL TO RIT LIMITS TOO I ON RVOLVIN ATS

3 PRPAR FOR: Name of the company requesting the report and the person who ordered it. OMPUTR I NUMBR: enerated by AmRent to uniquely identify the report. This is helpful when contacting the AmRent elp esk. 7 RIT SUMMARY: A All amounts on the report for revolving, installment, real estate and accounts showing as open or other, indicating monthly payments, balances, and credit limits B Total number of tradelines by each account type: revolving, installment, real estate, open or other AT RIV/AT OMPLT: ate report was requested/ate report was provided by AmRent. APPLIANT: Information is input by user and, if available, the applicant s current and previous employers, addresses and job titles are supplied by repositories. ISION RSULTS: (OPTIONAL) Indicates if applicant meets property specified criteria; can be customized to customer s needs. ISION FATORS: Reasons that the applicant does or does not meet property specified criteria. Total number of times tradelines have been delinquent in 3, 6, 9+ days Total amount for each column heading Number of inquiries within a period of time (usually years) The number of public records on the report Number of bankruptcies on the report The most delinquent tradeline (-9) displayed on the report Oldest date of a tradeline on the report Number of accounts rated satisfactory Total amount of all past due values on all tradelines on the report SORIN: (OPTIONAL) isplays any requested scores, including credit, and property management models. Numeric and/or narrative reason codes can also be displayed. F I J K 9 WAT LISTS (INLUS OFA): ONSUMR, JO NO MAT FOUN FOR WAT LIST FRAU ALRT TRANS ALRT # INQUIRIS IN LAST 6 AYS: INPUT SUBJT SSN OS NOT MAT FIL SSN I RISK FRAU ALRT AWK AVAILABL AN LAR 9 FRAU ALRT: (OPTIONAL) omparison of applicant s information from credit report or input information with national fraud system data. Fraud detection products alert you to potentially dishonest or counterfeit information. Repository reporting fraud information is displayed. Rating odes: Account too new to rate; approved but not used Pays/paid as agreed, customarily within 3 days of payment due date Pays/paid at least 3 days past due 3 Pays/paid at least 6 days past due 4 Pays/paid at least 9 days past due Pays/paid at least days past due 6 Pays/paid at least 8 days past due 7 Account included under Wage arner, hapter 3 Bankruptcy, NPF Plan 8 Merchandise repossessed 9 Bad debt, placed for collection X No information or rating available N No activity, current account with zero balance

4 RIMINAL RORS This section consists of criminal records obtained from public record sources and are not guaranteed to be accurate. In order to determine whether the individual is the defendant described in the criminal record, compare the defendant s information with the information you have on the applicant. A criminal record will often contain the defendant s full name and physical characteristics. A search for Sex Offender Registry Records was performed and is limited to the information contained on the AmRent database. Sex Offender Registry Records may exist on this subject, but may not be contained in the database or may not be able to be accessed based upon the information the user provides. AmRent compiles sex offender records from the same state databases that can be accessed through the ru Sjodin National Sex Offender Website search engine. RIMINAL ROR OFFNR: JO ONSUMR A B NR: M IT: FT IN WIT: LBS AIR OLOR: BROWN Y OLOR: BROWN RA: WIT OFFNS: INNT LIBRTY LVL: FLONY OKT#: R AT FIL: /4/9 SNTN: YARS 3 F AMOUNT: $ PROBATION: MONTS 4 ISPUT: N OURT: BARRN OUNTY OURT OUNTY: LASOW, KY BARRN RIMINAL RORS: This section consists of criminal records obtained from public sources and are not guaranteed to be accurate. To determine whether the individual is indeed the defendant described in the criminal record, compare the defendant s information with the information you have on the applicant. For example, a criminal record will often contain the defendant s full name and physical characteristics. OFFNS Infraction of the law LVL Scale of the offense committed OKT NUMBR A number associated with the specific criminal record, which is entered at the source. In some instances, a docket number includes a journal page number to find additional information. A B OFFNR Name of defendant as supplied by the court or government agency furnishing the criminal record PYSIAL ARATRISTIS Physical characteristics of the defendant as supplied by the court or government agency furnishing the criminal record F SNTN Amount of time defendant was incarcerated PROBATION Amount of time defendant was under probation supervision OURT The court or government agency that houses the original criminal record qual redit Opportunity Act (OA) odes: = Borrower B = Borrower = Joint J = Joint 3 = Authorized User A = Authorized User 4 = Joint J = Joint = o-maker S = o-maker 7 = Maker M = Maker 8 = o-borrower = o-borrower 9 = Terminated T = Terminated = Undesignated U = Undesignated Applicant Account Ownership (Joint reports): B = Primary Applicant = o-applicant 3

5 PROPRTY MANAMNT RORS RNTAL ISTORY LANLOR: FANTASY ISLAN APTS PON: 4-- ARSS: 34 MAIN ST #4 LASOW, KY 44 AT RPORT: 3/6/3 MONTLY RNT: $8 MANNR OF PYMT: MOV IN AT: // LAS AMOUNT: $ SUFFIINT NOTI: Y MOV OUT AT: //3 BALAN AMOUNT: $ PAST U AMOUNT: $ RPT BY: JON PUBLI ROR INFORMATION A VITION ATION ISMISS B FIL - / J LAT-/3 AS-S-489 AMT - PLTF- OR SMIT K VITION JUMNT RANT FIL - / AS-S-6 AMT - PLTF- PARAIS APARTMNTS VITION ATION FIL FIL - /3 AS- AMT - 4 BARRN OUNTY OURTOUS F ATNY - JAN FNR N 3 RIT ISTORY A B O A RITOR AOUNT NO RPT F LAST AT OPN LIMIT OR IST RIT PRSNT STATUS BALAN OWIN AMOUNT PAST U I TRMS PYMT AMT J TYP/RAT VNOR ISTORIAL STATUS NO MOS IST RV L AYS AYS AYS PO #44 /3 /3 / 3 3 OPN TRU UTILITY OMPANY 9 ITI #XXXXXXXXXX6366 POB 64 SIOUX FALLS S 77 (8) 9-8 4/ 3/ /3 6, 6,9 9 v 37 RV 4 RIT AR TRU 36 4X 4/9 4 M FIRST BANK AUTO #XXXXXXXXXXXXX3 PO BOX 976 FORT WORT TX 76 6/ 6/ 7/,3,6 M 479 INS AUTO TRU 6 K XXX 4 INQUIRIS IN T LAST 9 AYS -- AT -- OA KOB MMBR-NO 3/6/3 Z AMRNT PROPRTY MANAMNT RORS: (OPTIONAL) isplays the rental history of the applicant, including address, move-in/move-out dates, and rent amount. Rental information can be verified by AmRent as a reference check or included from a third-party database. 4

6 3 PUBLI ROR INFORMATION: *Some fields are only applicable to certain record types and may not be shown in the example. A B F I J K L M N OA The qual redit Opportunity Act (OA) code indicates who is responsible for repayment of the debt. This code is used to identify the responsible party for public records, inquiries, and alerts, as well as tradelines. (See OA odes on page 4) TYP OF ROR e.g., lien, judgment, bankruptcy, eviction FIL/RPT Month and year the information was reported to the credit repository or filed initially at the court VRF The month and year the information was last verified AS The case number often indicates the court where the information is recorded, the year the information originated, the case or docket number and, in some circumstances, a journal page number to find the information. OURT Source of information, generally court identification or level (federal, etc.) AMT The dollar amount involved in the case ASST Value of assets involved LIAB Liabilities or amount owed LAT Month and year of last activity on the case. This will be blank unless the case has been satisfied, dismissed or otherwise closed. PLTF Information regarding the plaintiff or additional notes, such as the location where the information is filed (i.e., records or deeds, county common pleas, etc.) BAL Any outstanding balances involved in the case F Information regarding the defendant ATNY Information regarding the attorney RIT ISTORY: Shaded tradelines indicate derogatory information (i.e., account was not paid as agreed) A B OA The OA code indicates who is responsible for repayment of the debt RITOR/AOUNT NO redit grantor who is reporting debt and consumer s account number. Narrative information related to the account may also be displayed (e.g., real estate, account closed by consumer, etc.). 4 F I J K L M RPT The last time the account was reported by the creditor to the credit repository(ies) LAST AT Last paid date or other activity related to the account OPN The date the account was opened with the creditor LIMIT OR IST RIT The credit limit permitted by the credit grantor, or the highest credit amount used by the consumer BALAN OWIN The outstanding balance owed to the creditor as of the date reported AMOUNT PAST U The amount currently past due TRMS/PYMT AMT Arrangements for repayment of the account (number of months and/or monthly payments) TYP, RAT and VNOR Type and status of the account reported by the creditor to the credit repository(ies) AOUNT TYPS INS Installment. Fixed number of payments over specific time OPN Open. Payment due on billing at 3 or 9 days RV Revolving. Percentage of total balance due each month MT Mortgage on real estate property -4 MONT ISTORY (OPTIONAL) Shows the record of the account over a period up to 4 months. The numbers represent the ratings for each month beginning from the top left with the status of the most current reported month first (=current, =p/due 3 days, etc.). ISTORIAL STATUS Number of months the account status has been reviewed and how many times the account has been delinquent over 3, 6, 9 days during the months reviewed RO ATS isplay of applicable derogatory dates INQUIRIS: isplays lenders, employers, and other organizations who have recently obtained a copy of the consumer s credit file. The repository reporting the inquiry is noted on the right column. You have the option of displaying the inquiries for the last 9- days, year or two years. KOB refers to the kind of business that requested the file.

7 ONSUMR RFRRAL INFORMATION AMRNT ONSUMR RLATIONS PO BOX 37 PITTSBUR, PA ISLOSUR NATIONAL RIT RPOSITORY(IS) ASS FOR TIS RIT RPORT: TRANS UNION Reporting bureau certifies with contractual requirements governing check of public records as well as credit information. ISLAIMR: T INFORMATION FURNIS BY AMRNT IN TIS RPORT IS BAS ON T LIMIT INFORMATION YOU PROVI. FURTR INVSTIATION IS NSSARY TO TRMIN WTR TIS INFORMATION APPLIS TO YOUR APPLIANT. AT A MINIMUM, IT IS SUST TAT YOU OMPAR ALL INTIFYIN INFORMATION IN TIS RPORT TO ALL INTIFYIN INFORMATION PROVI BY T APPLIANT BFOR LINKIN TIS INFORMATION TO YOUR APPLIANT. N OF RPORT 6 ONSUMR RFRRAL INFORMATION: The repository source of the report is listed with an address and phone number. an be provided to consumer applicant. ISLOSUR: The repository(ies) accessed for the respective reports are displayed on all reports with the disclaimer included for guidance. AmRent offers a variety of customization options to suit your specific needs and preferences. Your AmRent Account Representative can assist you with implementing these options. Tradeline Sort Options The default sorts tradelines alphabetically by creditor name. You also have the flexibility to sort by: escending Balance Rate: From most to least derogatory Account Status: Open > losed > erogatory Account Type: Mortgage > Installment > Revolving > Open Formatting Options erogatory ates erived from Payment istory Obtains derogatory dates and rates from payment history instead of repositories, allowing up to 4 to be displayed. erogatory Summary: Reason for elinquency xplanation Provides space for the borrower to explain each derogatory account. Alternate Scoring Format Allows for score records to be displayed in a format that changes the position of the score value and increases its font size, making it more prominent. Tradeline Numbering Tradelines can be numbered consecutively for easier reference. AmRent Reports an Be isplayed in a Variety of Formats Infile Report No ustomer ecision Message isplayed ecision Report ustomer ecision Message isplayed Full Report Includes details from all repositories, public sources and databases ecision Report with Factors Includes only the ustomer ecision Message and factors associated with the decision ecision Only Report Includes only the ustomer ecision Message 6

8 AmRent AMIF-R/