| ===== Phrack Magazine presents Phrack 16 ===== | |
| ===== File 7 of 12 ===== | |
| ------------------------------------------------------------------------ | |
| - The Disk Jockey - | |
| - presents: - | |
| - - | |
| - Reading Trans-Union Reports: - | |
| - A lesson in terms used - | |
| - (A 2af presentation) - | |
| ------------------------------------------------------------------------ | |
| This file is dedicated to all the phreaks/hacks that were busted in the summer | |
| of 1987, perhaps one of the most crippling summers ever for us. | |
| Preface: | |
| ------- | |
| Trans-Union is a credit service much like CBI, TRW or Chilton, but offers | |
| more competitive rates, and is being used more and more by many credit | |
| checking agencies. | |
| Logging in: | |
| ---------- | |
| Call one of the Trans Union dial-ups at 300,E,7,1, Half Duplex. Such a | |
| dial-up is 314-XXX-XXXX. After connecting, hit Ctrl-S. The system will echo | |
| back a 'GO ' and then awaits you to begin the procedure of entering the | |
| account and password, then mode, i.e.: S F1111,111,H,T. The system will | |
| then tell you what database you are logged on to, which is mostly | |
| insignificant for your use. To then pull a report, you would type the | |
| following: P JONES,JIM* 2600,STREET,CHICAGO,IL,60604** <Ctrl-S>. The name | |
| is Jim Jones, 2600 is his street address, street is the street name, Chicago | |
| is the city, IL is the state, 60604 is the zip. | |
| The Report: | |
| ---------- | |
| The report will come out, and will look rather odd, with all types of | |
| notation. An example of a Visa card would be: | |
| SUB NAME/ACCT# SUB# OPEND HICR DTRP/TERM BAL/MAX.DEL PAY.PAT MOP | |
| CITIBANK B453411 3/87 $1000 9/87A $0 12111 R01 | |
| 4128XXXXXXXXX $1500 5/87 $120 | |
| Ok, Citibank is the issuing bank. B453411 is their subscriber code. 3/87 is | |
| when the account was opened. HICR is the most that has been spent on that | |
| card. 9/87 is when the report was last updated (usually monthly if active). | |
| $1000 is the credit line. $0 is the current balance. 12111 is the payment | |
| pattern, where 1=pays in 30 days and 2=pays in 60 days. R01 means that it is a | |
| "Revolving" account, meaning that he can make payments rather than pay the | |
| entire bill at once. 4128-etc is his account number (card number). $1500 is | |
| his credit line. 5/87 is when he was late on a payment last. $120 is the | |
| amount that he was late with. | |
| Here is a list of terms that will help you identify and understand the reports | |
| better: | |
| ECOA Inquiry and Account Designators | |
| ------------------------------------ | |
| I Individual account for sole use of applicant | |
| C Joint spousal contractual liability | |
| A Authorized user of shared account | |
| P Participant in use of account that is neither C nor A | |
| S Co-signer, not spouse | |
| M Maker primarily liable for account, co-signer involved | |
| T Relationship with account terminated | |
| U Undesignated | |
| N Non-Applicant spouse inquiry | |
| Remarks and FCBA Dispute Codes | |
| ------------------------------ | |
| AJP Adjustment pending | |
| BKL Bankruptcy loss | |
| CCA Consumer counseling account | |
| CLA Placed for collection | |
| CLO Closed to further purchases | |
| CTS Contact Subscriber | |
| DIS Dispute following resolution | |
| DRP Dispute resolution pending | |
| FCL Foreclosure | |
| MOV Moved, left no forwarding address | |
| ND No dispute | |
| PRL Profit and loss write-off | |
| RFN Account refinanced | |
| RLD Repossession, paid by dealer | |
| RLP Repossession, proceeds applied towards debt | |
| RPO Repossession | |
| RRE Repossession, redeemed | |
| RS Dispute resolved | |
| RVD Returned voluntarily, paid by dealer | |
| RVN Returned voluntarily | |
| RVP Returned voluntarily, proceeds go towards debt | |
| RVR Returned voluntarily, redeemed | |
| SET Settled for less than full balance | |
| STL Plate (card) stolen or lost | |
| TRF Transferred to another office | |
| Type of Account | |
| --------------- | |
| O Open account (30 or 90 days) | |
| R Revolving or option account (open-end) | |
| I Installment (fixed number of payments) | |
| M Mortgage | |
| C Check credit (line of credit at a bank) | |
| Usual Manner of Payment | |
| ----------------------- | |
| 00 Too new to rate; approved, but not used or not rated | |
| 01 Pays (or paid) within 30 days of billing, pays accounts as agreed | |
| 02 Pays in more than 30 days, but not more than 60 days | |
| 03 Pays in more than 60 days, but not more than 90 days | |
| 04 Pays in more than 90 days, but not more than 120 days | |
| 05 Pays in 120 days or more | |
| 07 Makes payments under wage earner plan or similar arrangement | |
| 08 Repossession | |
| 8A Voluntary repossession | |
| 8D Legal repossession | |
| 8R Redeemed repossession | |
| 09 Bad debt; placed for collection; suit; judgement; skip | |
| 9B Placed for collection | |
| UR Unrated | |
| UC Unclassified | |
| Kinds of Business Classification | |
| ------------------------------- | |
| A Automotive | |
| B Banks | |
| C Clothing | |
| D Department and variety | |
| F Finance | |
| G Groceries | |
| H Home furnishings | |
| I Insurance | |
| J Jewelry and cameras | |
| K Contractors | |
| L Lumber, building materials | |
| M Medical and related health | |
| N National credit card | |
| O Oil and national credit card | |
| P Personal services other than medical | |
| Q Mail order houses | |
| R Real estate and public accommodations | |
| S Sporting goods | |
| T Farm and garden supplies | |
| U Utilities and fuel | |
| V Government | |
| W Wholesale | |
| X Advertising | |
| Y Collection services | |
| Z Miscellaneous | |
| Type of Installment Loan | |
| ------------------------ | |
| AF Appliance/Furniture | |
| AP Airplane | |
| AU Automobile | |
| BT Boat | |
| CA Camper | |
| CL Credit line | |
| CM Co-maker | |
| CO Consolidation | |
| EQ Equipment | |
| FH FHA contract loan | |
| FS Finance statement | |
| HI Home improvement | |
| IN Insurance | |
| LE Leases | |
| MB Mobile home | |
| MC Miscellaneous | |
| MT Motor home | |
| PI Property improvement plan | |
| PL Personal loan | |
| RE Real estate | |
| ST Student loan | |
| SV Savings bond, stock, etc. | |
| US Unsecured | |
| VA Veteran loan | |
| Date Codes | |
| ---------- | |
| A Automated, most current information available | |
| C Closed date | |
| F Repossessed/Written off | |
| M Further updates stopped | |
| P Paid | |
| R Reported data | |
| S Date of last sale | |
| V Verified date | |
| Employment Verification Indicator | |
| --------------------------------- | |
| D Declined verification | |
| I Indirect | |
| N No record | |
| R Reported, but not verified | |
| S Slow answering | |
| T Terminated | |
| V Verified | |
| X No reply | |
| Hope this helps. Anyone that has used Trans-Union will surely appreciate | |
| this, as the result codes are sometimes hard to decipher. | |
| -The Disk Jockey | |