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- presents: - |
- - |
- Reading Trans-Union Reports: - |
- A lesson in terms used - |
- (A 2af presentation) - |
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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) |
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