Equifax, Experian, and Trans Union credit reports. Now you can streamline business processes with live credit report data.

Equifax Credit Report Format

Equifax format credit reports in the standard Acrofile Plus layout for Equifax can be provided for easy integration into your application. Alternatively, the MERit Credit Engine provides credit report data in database tables or as XML, so it is possible to create your own custom-design report layouts.

The Merit Credit Engine uses the Equifax Internet System to System web interface to access STS 6.0 or System 5 fixed-format data, from which it generates the human readable report. The Merit credit API documentation shows how you can also request that Equifax generate human readable  text reports as part of its response. With either approach, it is an easy matter for software developers to pass the report text directly to the end-user for viewing or printing, as illustrated below.

Equifax Layout

Equifax format credit report layout1. Inquiry Data  Shows the data used for the request. It identifies the consumer name, current address, former address and employment (if provided,) and social security number.

2. Report Header   Appears at the top of reports to identify the operator, the user reference (if provided) and relevant dates and times.

3. Risk Models One or more credit scores may appear here, along with reason codes. This example shows a BEACON score.

4. Safescan Alerts  Possible fraud indicators, such as an SSN used with other names or reported as deceased.

5. OFAC Alert  provides a record of the check against the Office of Foreign Assets Control database for USA PATRIOT Act compliance.

6. Consumer referral address shows the credit bureau phone number and address to be provided to the consumer if credit is declined.

7.  Subject Identification shows the full name that Equifax has on file.  SINCE indicates the date the file was established, FAD is the date the file was last updated, FN is the Equifax internal file number.

8. Addresses (Current and Former) with dates reported.

9. BDS / Social Security Number Birth date of the subject and one or more Social Security numbers associated with this consumer.

10. Employment  Up to four lines showing recent employers (as known to Equifax.)

11. Profile Summary is a quick overview of the  rest of the report. SUM - The date range covered. PR/OI - Existence of public records or other information. (Yes or No.)  COLL - Existence of collection items. (Yes or No.)  FB - Foreign bureau accounts (how many.) ACCTS - Accounts (how many.)  HC - Range of lowest credit limit to highest reported credit limit or balance.
ONES, TWOS. - How many R1, R2 derogatory trade items.

12. Inquiry Alert - Warns of possibly excessive recent applications for credit.

13. Public Records - May include docket number and dollar amounts from garnishments, bankruptcies, judgments, and other court records. See table below.

14. Tradelines

A. FIRM - The lender
B. IDENT CODE - The lender's member number with Equifax, including a two-letter industry code. For example, AU designates used automobile dealer.
C. CS - Current status. R1 is a revolving account paid as agreed, R2 is a past-due account (1 or 2 payments behind,)  etc.  R0 indicates the account is too new to rate. Other status codes indicate things such as repossession, lost/stolen card, etc. Installment loans with a fixed number of payments use I (instead of R.) Open 30, 60, or 90 day accounts use O (instead of R.)  See table below.
D. ECOA - Equal Credit Opportunity Act code: I for individual, J for joint.  See table below.
E. Account Number - Number assigned to the account by the lender, such as a credit card number. Some digits may be masked or truncated.
F. RPTD, OPND Month and year this item was last reported and originally opened.
G. LIMIT, P/DUE - Credit limit for revolving accounts (if reported) and the current amount past due.
H. HICR, TERM - High credit - The highest the balance has been, and the term in months.
I. BAL$ - Balance currently owed.
J. DLA Date of Last Access (date reported)
K. MR Months reviewed.
L.  (30-60-90+) Number of 30-, 60-, & 90-day delinquencies
M. MAX/DEL Date and status-code of the worst delinquency.  Example: 04/97 R3 indicates 3 payments behind in April of 1997. See table below.
N. 24 Month History - Status codes for up to 24 months: 1=on-time payment, 2=past-due up to 2 months, 3=past-due up to 3 months, etc.  (The most recent month is at the left.)

15. INQS - Company name, Equifax member number and dates of recent credit inquiries. Normally indicates where else the subject has applied for credit.
16. Online Directory - If ordered, telephone numbers and addresses of the subject's creditors can be listed to assist in skip-tracing, etc.

Other Items

OFAC Alert, if requested, provides a record of the check against the Office of Foreign Assets Control database for USA PATRIOT Act compliance.

Consumer's Statement (if present) is the subject's side of the story for items that may have been unsuccessfully disputed, or the consumer's explanation for late payments and other derogatory items.  A fraud victim alert may have also been included at request of the consumer.

INFORMATION AT 777-777-7777 DAY OR 888-888-8888 EVENING

Equifax Codes

Public Record Codes

Code Description Code Description
AB JD Abstract Judgment (foreclosure, etc.). PD CL Paid collection ($50 and up)
BKRPT Bankruptcy SECLN Secured loan
FINCL Financial counselors SP MT Separate maintenance
FN ST Financial statement filed ST JD Satisfied judgment (foreclosure, etc.).
FORCL Foreclosure SUDI Suit dismissed
GARN Garnishment SUIT Lawsuit
LIEN Tax Lien UP CL Unpaid collection ($50 and up)
MAR Martial items (divorce, etc.) WEP Wage earner plan
N/RES Non-responsibility    

Equifax Trade Check Rating Codes

(fixed number
 of payments
Revolving or
Option Account
Open Account
(30, 60, or 90-day
I0 R0 O0 Too new to rate
I1 R1 O1 Pays account as agreed
I2 R2 O2 Not more than two payments past due
I3 R3 O3 Not more than three payments past due
I4 R4 O4 Not more than four payments past due
I5 R5 O5 More than 120 days or four payments past due
I7 R7 O7 Making regular payments under WEP.
I8 R8 O8 Repossession
I9 R9 O9 Bad debt; placed for collection
IA RA OA Account is inactive
IB RB OB Lost or stolen card
IC RC OC Contact member for status
ID RD OD Refinanced or renewed
IE RE OE Consumer deceased
IF RF OF In financial counseling
IG RG OG Foreclosure process started
IH RH OH In WEP of other party
IJ RJ OJ Adjustment pending
IM RM OM Included in Chapter 13

ECOA Codes Description
A Authorized User - This individual is an authorized user of this account; another individual has contractual responsibility
C Joint Account Contractual Responsibility - This individual is contractually obligated to repay all debts arising on this account. There are other people associated with this account who may or may not have contractual responsibility.
I Individual - This individual has contractual responsibility for this account and is primarily responsible for its payment
M Maker (signer) - This individual is responsible for this account, which is guaranteed by a Co-maker (cosigner)
P Shared Account - This individual participates in this account. The association cannot be distinguished between ECOA I or J
S coSigner - This individual has guaranteed this account and assumes responsibility should signer default
T Terminated - Account is terminated
U Undesignated - This is reported by the Bureau only
X Deceased - the subject is on record as being dead.

The information bands on the credit report may vary, depending on which Equifax products or add-on options you've chosen, and your bureau settings.

Product and company names mentioned herein are the property of their respective owners. You must have account(s) and valid log-in credentials with whichever credit reporting agencies you intend to access with the Merit Credit Engine software. Merit Credit Systems is a software provider only, is not affiliated with any credit bureau, and does not act as a provider, pass-through, or reseller of consumer credit reports.


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