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~ S C A N T R O N I C S ~
~ ~
~ P U B L I C A T I O N S ~
~ ~
~ Presents ~
~ ~
~ Credit Bureau Incorporated ~
~ Equifax Credit Information ~
~ Services ~
~ ~
~ 3/29/91 Written By, ~
~ /<ludge ~
~ ~
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There have been several files written on CBI/Equifax. Most have
been written with the intent to show someone how to process inquiries on
CBI. The basis of this textfiles is to allow the reader to understand
the different parts of each type of report.
There are currently 5 services available to customers. They
include; Arcofile, Arcofile-Plus, Safe-Scan, DTEC, and a On-Line Directory.
Equifax Credit's system is available in all 50 states.
THE ARCOFILE
~~~~~~~~~~~~
Extension: P2.
ARCOFILE
* 001 Equifax Credit ATL 5505 P Tree Dunwoody RD STE 600 Atlanta GA
30342 404/123-4567
_______________________________________________________________________
| This line is the Consumer Referral Message |
-----------------------------------------------------------------------
* AAlred, John, A,,Gloria Since 08/15/72 FAD 04/10/90 FN-204
9412, Peachtree, RD, Atlanta, GA, 30302, DAT RPTD 03/90
410, Coosen, DR, San Jose, CA, 95119, CRT RPTD 01/90
46, Kennedy, DR, Detroit, MI, Tape RPTD 03/88
**** Also Known as-ALRED, JACK ****
Sex-M,MAR-M,DEPS- 3, AGE-42,SSS-101-11-2131
+----(Person's Identity)---------------------------------------------+
| SINCE-Date File Established FAD-Last Activity on file |
| FN: For Equifax Credit Internal Use Only. |
| Sex, Marital Status, Number of Defendants, Age or Birth, SS# |
+--------------------------------------------------------------------+
ES-ENGR, Lockheed, Atlanta, GA, EMP 06/88 VER 02/90, $3500
EF-ENGR, Central Power, San Jose, CA,,,, Left 05/87
E2-ENGR, General Motors, Detroit, MI,,,, Left 05/78
+----(This is the Employment Information)-----------------------------+
| ES-(Employment Subject) Position, Firm, Location |
| Date-Employed, Date Verified, Monthly Salary. |
| EF-(Employment Former) Position, Firm, Location, Date Left |
| E2-(Employment Second Former) |
+---------------------------------------------------------------------+
* Sum-05/76-04/90, PR/OI-Yes, FB-NO, accts:9,HC$300-37000, 5-Ones,
1-Two, 1-Three, 1-Five, 1-Other
+-----(Summary of File Items)------------------------------------------+
| 05/76-Oldest Opening Date of Trade 04/90-Newest Reporting Date |
| PR/OI Yes-File Has Public Records |
| FB-NO-No information obtained from other Credit Agencies |
| ACCTS.9-File Contains 9 Trade Lines |
| HC-High Credit Range ($300-37,000) |
| 5-Ones-Five Trades in File CS 1 |
| 1-Two-One Trade in File CS 2 |
| 1-Three-One Trade in File CS 3 |
| 1-Five-one Trade in File CS 5 |
| 1-Other-One Trade in File With No CS |
+----------------------------------------------------------------------+
*****Public Records or Other Information*****
07/86 BKRPT 162VF473, 4563723, LIAB $25600, ASSET $10500,
Exempt $100, INDIVID, Personal, VOL
04/90 COLL 12/89 401YC364 FOR DR WHITE, $532,02/90 PAYMENT
BAL-04/90 $200, DLA: 11/89, I,32452
05/88 ST JD, 401VC121, $769, DEF-SUBJ, 88-30378, VISA, VER 01/89
Satisfied, 12,88
+----(Public Record or Other Information)------------------------------+
| BKRPT(Bankruptcy) Date Filed, Court Number, Case Number, Liabilities|
| Assets, Exempt Amount, Filer, Type, Intent |
| COLL(Collection) Date Reported, Date Assigned to Collection Agency |
| Agency ID Number, Credit Grantor Name & Number, Amount, Date &|
| Status, Balance-Date of Last Activity WIth Creditor on Acct, |
| ECOA Designator, Account Serial Number. |
| STJD(Satisfied Judgement) Date Filed, Court Number, Amount, |
| Defendant, Case Number, Plaintiff, Date Verified, Status, Date |
| Satisfied. |
+----------------------------------------------------------------------+
* INQS-Subject Shows 3 Inquiries Since 01/90
Sears 906DC20 04/10/90 ATL FIN VS 49FS20 03/15/90
RICH'S 401DC25 03/13/90 GMAC 906FA35 07/25/89
MORTG CRED 650FM1366 01/14/90 BENSON HON 650AN566 09/23/99
+----(Inquiries)------------------------------------------------------+
| INQS-Alert Appears if three or more inquiries within the past 60 |
| 90 Days. Member Name, Number and Date Inquired. Two Year |
| Inquiry History Shown. |
+---------------------------------------------------------------------+
*FIRM/ID CODE RPTD OPND H/C TRM BAL P/D CS MR ECOA ACCOUNT NUMBER
ATL FIN VS *49fs28 04/90 03/87 2828 461 2828 974 R5 34 I 412179000445585
30(08)60(01)90(01) 04/90-R4,02/90-R4,01/90-R3
ACCOUNT CLOSED BY CREDITOR
SEARS *906DC2 04/90 01/90 900 10 100 R1 59 J 52972348348
30(01)60(02)90(00) 07/88-R3,06,88-R2,02/84-R3 DLA 04/90
+----(Trade)----------------------------------------------------------+
|FIRST LINE: |
| Firm/ID Code-Name & member Number of Reporting Company |
| *-Trade Information From Automated Tape Supplier |
| RPTD-Date Item Was Reported |
| OPND-Date Account Was Opened With Reporting Company |
| H/C-High Credit (On "R" (Revolving) Accounts indicates Credit Limit|
| TRM-Monthly Repayment Amount or Number of Months or Years |
| BAL-Balance Owed as of Reporting Date |
| P/D-Past Due Amount |
| CS-Current Status of Account (R(evolving) O(pen) I(nstallments) |
| 0-Too New to Rate;Approved But Not Used |
| 1-Pays (or Paid) Within 30 Days of Payment Due Date, or Not Over |
| One Payment Past Due. |
| 2-Pays (or Paid) in More Than 30 Days From The Payment Due Date |
| But Not More Than 60 Days. |
| 3-Pays (or Paid) In More Than 60 Days From The Payment Due Date |
| But Not More Than 90 Days, or Three Payments Past Due. |
| 4-Pays (or Paid) In More Than 90 Days From Payment Due Date, But |
| not More Than 120 Days, or Four Payments Past Due. |
| 5-Pays (or Paid) In More Than 120 Days, or More Than Four |
| Payments Past Due. |
| 7-Making Regular Payments Under Debtor's Plan/ |
| 8-Repossession |
| 9-Bad Debt |
| MR-Months Reviewed |
| ECOA-Type Account (I-Individual, J-Joint, S-Shared, C-CO-Maker, |
| A-Authorized Use, U-Undersiged, M-Marker, B-On Behalf of |
| Another Person, T-Terminated |
| ACCOUNT NUMBER-Subjects Account Number With Reporting Agency |
|SECOND LINE: |
| 30(01)60(02)90(00)-Number of Times Account Was 30,60,90 Days Late |
| 07/88-R3,06/88-R2,02/84-R3-Exact Dates of last Two Delinquency |
| Rating in Last Seven Years |
| DLA 4/90-Date of Last Activity on the Account |
+---------------------------------------------------------------------+
ARCO-PLUS
~~~~~~~~~
Extension: F.
ARCO-PLUS- This is a very similar type of credit report. The form has
most of the same headings. There are a few moves of the information
throughout the text, and there are a few additions. Here are the
additions.
* SUM COLL-YES---File Has Collection Items
INQUIRY ALERT--Alert Appears if 3 or More Inquiries Within the Past 90
Days.
********COLLECTION ITEMS*****
ECOA LIST AMT DLA AGENCY CLIENT SERIAL BAL RPTD
I 12/89 $532 11/89 401YC364 Dr White 32452 $200 04/90
*****************************
+----(Collection Items)-----------------------------------------------+
| ECOA-Equal Credit Opportunity Act Designator |
| LIST-Date Assigned to Collection Agency |
| AMT-Total Amount of Collection |
| DLA-Date of Last Activity (Payment to Creditor) |
| AGENCY-Collection Agency I.D. Number |
| CLIENT-Credit Grantor Name or Industry |
| SERIAL-Account Serial Number |
| BAL-Balance as of Date Reported |
| RPTD-Date Reported |
+---------------------------------------------------------------------+
Addition to Trade Information
MAX/DEL--Most Recent, Highest Delinquency Beyond the 24 Mont's History
24 Month History-Rate History for 24 Months Prior to Current Status.
Slash (/) Separates Two 12 Mont Periods (Read From left to Right)
*=No Delinquency Reported This Month
GRAND TOTAL-Grand Totals for Limit, High Credit, Balance, Past Due, and
Terms.
SAFE-SCAN
~~~~~~~~~
Safe-Scan inquired automatically checks though the credit file to
determine if irregular or unusual patterns exist. It examines the name,
address, employment, telephone number, and Social Security number
contained in each inquiry.
Safe-Scan is a "red Flag" system, designed to alert you to potential
problems such as mail drop/prison/previously misused addressed. And
Safe-Scan is a "living" database, one that is constantly growing through
information-gathering.
Safe-Scan is the Profiled Address warning. By monitoring every inquiry
coming through the system, Safe-Scan warns you when, from a single
address, someone is using different names or different Social Security
numbers to apply for credit or employment. Another is True name Fraud,
which warns you if someone is attempting to obtain credit by stealing
real identities of innocent consumers.
DTEC
~~~~
DTEC is a service that allows users of Equifax to make inquiries via
Social Security Number, simple as that. It allows for more accurate
inquiry entry.
ON-Line Directory
~~~~~~~~~~~~~~~~~
Extension: D
The on-Line Directory contains the current phone numbers of creditors
and inquiries which appear at the bottom of the credit report.
Connection Process
~~~~~~~~~~~~~~~~~~
Connection is established by several returns, then a <CTRL-S> to start
the login process, prompting "(CB) Please Sign-on."
The account should fit the format of:
xxxyyxx-yx or xxxyyxxxx-yx (Y=Letter X=Number)
There are extensions that you may add on to your account to pull
different types of transactions. The format is as such..
IDnumber,password,user,extensions.
One extension that you will always want to add on is Z. it allows you
to view the companies name in the firm/ID section, instead of a
alphanumeric representation.
For example, if I wanted to pull an acrofile plus report with On-Line
Directory assistance I would enter my account like:
XXXYYXXXX-YX,James,DFZ.
Extensions:
D: Online Directory
F: ARCOFILE-Plus
Z: View w/ names in FIRM/ID Field
After entering the account information you should receive the prompt:
A-XXX PROCEED:
The X's represent a location where the database is located. here is a
listing.
WA 980-994 OR 970-979 CA 900-966 ID 832-838
UT 840-838 AZ 850-865 MT 590-599 WY 820-831
CO 800-816 NM 870-884 ND 580-588 SD 570-577
NE 680-693 KS 660-679 OK 730-749 TX 750-799
MN 550-567 IA 500-528 MO 630-658 AR 716-729
LA 700-714 WI 530-549 IL 600-629 MS 386-397
MI 480-499 OH 430-458 KY 400-427 TN 370-385
AL 350-369 OH 430-458 GA 300-319 WV 247-268
ME 039-049 NY 090-149 PA 150-196 VA 220-246
NC 270-289 SC 290-299 FL 320-349 NH 030-038
VT 050-059 MA 010-027 RI 028-029 CT 060-069
NJ 070-089 DE 197-199 MD 206-219 DC 200-205
HI 995-999 VI 008 GUAM 969 PR 006,007,009
Processing Inquiries
~~~~~~~~~~~~~~~~~~~~
There are 2 ways in which I currently know how to process inquiries
either through DTEC, or through Name & Current Address Lines.
-----Name & Current Address Inquiry------
NM-last,first.<CR>
CA-####,streetname,,city,state,zip.<CR>
<CTRL-S>
-----DTEC Inquiry-----
DTEC-XXX-XX-XXXX.<CR>
<CTRL-S>
Well, that should about do it for Equifax, and off to another
credit/investigative network to write future documentaries on. I
currently have full information on TRW reports, and information on
several other networks/credit bureaus that I will be publishing
information on in the near future.
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S C A N T R O N I C S P U B L I C A T I O N S
Dedicated to Telecommunications
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