Consumer
Credit report
user Guide
sAmpLe report
(Please see format specific user guides for system-to-system outputs).
All available fields are returned on the credit file, however may not be populated if the information is not
supplied to Equifax.
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
1 7
8
9
10
2
3
4
5
6
2
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
3
[1] CONSUMER REFERRAL TELEPHONE NUMBER: Consumers to be
provided referral telephone number for Equifax as required.
[2] Date of file request by the member.
[3] INQUIRY DATA: Data submitted to EFX by the member to request the file.
1
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
[4] SUBJECT 1: Sections of the
current file that are populated
and displayed.
2
[5] CONSUMER FILE ALERT: Information input
on inquiry does not match file or is invalid.
[6] SAFESCAN WARNING: Fraud alert message
warns you of potential application fraud.
(Available only to SafeScan subscribers)
[7] SCORES AND REASON CODES: A risk score
accompanied by up to three reason codes and
score card indicator. Provides details on what
information on file had a negative impact on
the score (even if minimal impact).
(Available only to risk score subscribers).
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
3
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
4
IDENTIFICATION SECTION:
[8] UNIQUE NUMBER: Reference number for
consumers regarding their own file.
[9] FILE NUMBER: for internal use only.
[10] Date file was established.
[11] Date of last activity on file.
[12] Date of birth or age of Subject: (CCYY/MM/DD)
[13] SIN: Social Insurance Number: (will only
display if provided on input and corresponds
with the SIN on file)
[13B] Consumer Statement: Indicates declaration or
alert on file (refer to section 10, line 39)
[14] Subject name.
[15] Current address.
[16] Since: Date the address was first reported to
the file.
[17] Reported: Indicates how the information was
reported to EFX STS: direct link customer,
Tape: electronic reporting customer, DAT:
Direct Access Terminal.
[18] Former address - Previous address of subject.
[19] Second former address.
[20] AKA OR ALSO KNOWN AS: The credit report
contains all information under the names
provided. (combined reports)
[21] Telephone #: Maximum 3 iterations of telephone
#/extension, including type (home/business/
cellular), date  rst reported to EFX, date last
received at EFX.
4
5
6
INQUIRIES SECTION:
[22] Alert message appears if there
have been three or more inquiries
within the past 90 days.
[23] Date and member name of
inquiries in the past 36 months.
Member phone number will
display for inquiries in past 12
months.
[24] Total Number of Inquiries: Total
number of inquiries since file
was established.
[25] Foreign Bureau Inquires: Date,
Member number and name of
inquiring customers.
EMPLOYMENT SECTION:
[26] Current Employer: Company name of most recently reported
employer.
[27] Since, Left, Position, Salary: Occupation of subject, start date, left
date and salary.
[28] Former Employer: Company name of previous employer. Since,
Left, Position, Salary: Occupation of subject, start date, left date
and salary.
[29] Second Former Employer: company name of second previous
employer. Since, Left, Position, Salary: Occupation of subject and
date of verification.
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
5
6
7
[30] Pub/Other: Number of Public Records or Other information
Trade Oldest-Newest: Oldest trade open date-most recent trade reporting date
Total: Total number of trades on the file.
High Credit: High credit range of trades on file.
Rating for R/O/I/L/C/M: R: Revolving account, O: Open account, I: Installment account, L: Lease Account,
C: Line of Credit, M: Mortgage.
[31] PUBLIC RECORDS OR OTHER INFORMATION: Information obtained from Public Court Records.
[32] Bankruptcies/Bankruptcy Category: A person legally declared to be unable to pay debt (date filed, type
of action, [IND for personal; BUS for business], court name, court code, liability, assets, filer [subject,
spouse or both], case number, trustee, disposition and description of the bankruptcy). Segment may contain
non-bankruptcy information including: Orderly payment of debt or Credit Counselling.
[33] Third party collections: A debt which a creditor is unable to collect, transfers to a third party (name of
collection agency, collection agency member number, reported date, type of collection [UP CL: unpaid
collection or PD CL: paid collection], original debt amount, date of last activity with credit grantor, balance
as of date reported, reason, ledger number, verified date, Credit grantor and account number, description).
Includes collections related to Family Responsibility.
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/Y
YCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TEST
S MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
7
7
non-bankruptcy information including: Orderly payment of debt or Credit Counselling.
A debt which a creditor is unable to collect, transfers to a third party (name of
collection or PD CL: paid collection], original debt amount, date of last activity with credit grantor, balance
as of date reported, reason, ledger number, verified date, Credit grantor and account number, description).
Includes collections related to Family Responsibility.
8
[36] TRADE INFORMATION:
Bus/ID Code: Company name/
telephone/ member number.
DT RPTD: Date item was
reported to Equifax.
DT OPND: Date account was
opened with the credit grantor.
DLA: Date of last activity on the
account by the consumer.
TR: Number of times the credit
grantor has reported an account
update.
RT: Type of account and manner
of repayment: (See Trade
Information Descriptions and
Manner of Payment for detailed
rating descriptions).
[34] Financing Statement: A chattel mortgage, registered loan, or registered lien is a loan where the debtor
has given personal property as collateral and the loan is registered with the provincial government
under PPSA. This is not derogatory information. (Secured loans are not extended in the province of
Quebec.) [Date reported; name of reporting government agency; member number of reporting agency,
maturity date of the loan, name and address of creditor; amount of loan; Description of loan status].
[35] Judgments: A court order against a debtor for payment of monies owing (date judgment granted or
date filed; judgment status [ST JD: satisfied judgment,JDGT: judgment]. Court identification number/
name of court; amount of judgment; defendant; judgment number; plaintiff; status of judgment
[satisfied, unsatisfied or disposition unknown] and date, when applicable).
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
8
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
9
9
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
Employer, Occupation: TESTS MECHANIC SHOP, OWNER
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Records, Banking, Consumer Statement or Alert.
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Time since delinquency is too recent or unknown
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Number of recent inquiries
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[15] Current Address: 5650 YONGE STREET, TORONTO, ON, M2M 4G3
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1
Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Date last received: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/Y
YCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TEST
S MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
[39] CONSUMER STATEMENT: Rptd, Purge: Date reported and date information will be deleted. At the request of the
consumer, EFX will add one of the following to the file:
True Name Fraud: Consumer is a true victim of fraud.
Identity Verification Alert: Consumer has not been a victim of fraud: cautionary alert added (available to Ontario
and Manitoba residents only).
Consumer Statement: Statement provided by the consumer in order to explain items/information on file.
[38] BANKING INFORMATION
SECTION:
Type of account, name and
telephone number of institution;
date item was reported to Equifax;
Type of account; customer’s
member number; date account
was opened with credit grantor;
balance of account (approximate
range); additional information on
account. Ex: L4F=low 4 figures,
($1-2K), H5F= high 5 figures,
($70K-99K).
Credit Limit: Maximum credit amount assigned to the
credit product.
High Credit: Highest amount ever owed on the product.
Balance: Amount owed at time of reporting.
PMT AMT: Actual dollar amount of most recent payment
by the consumer.
PMT TERMS: Frequency of required payments to be
made by the consumer.
Past Due: Past due amount as of date reported.
WRTN OFF/AMT: Actual dollarm amount written off by
the credit grantor.
ACT PMT/AMT: Actual last payment amount by the
consumer.
DT Closed: Date of closure of the account.
FRST/DELQ: Date of  rst payment delinquency by the
consumer.
MEM#ID: Equifax Member number.
PREV/MEM# ID: Previous Equifax Member number.
Description: Provides additional information about the
account.
Trade Payment Pro le: Numeric summary of up to 36
months of previous ratings. Read left to right: recent
rating to historical ratings.
Mortgage Trade line: Industry code is displayed
(Example: BB): mortgage issuer name/date opened are
masked.
[37] Credit Utilization
Provides the percentage of all available credit that is
currently utilized by the consumer as of report date
(total of current balances owed divided by total credit
limits). The total of all open credit limit amounts and all
open account balances are also displayed.
(Available to
internet customers only).
10
10
trAde inFormAtion
And desCriptions
portFoLio
tYpes
mAnner oF
pAYment
NORTH AMERICAN
STANDARD ACCOUNT
RATINGS
R: Revolving or option (open-end account)
O: Open account (30 days or 90 days)
I: Installment (fixed number of payments)
L: Lease Account
C: Line of Credit
M: Mortgage
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 payment due date,
but not more than 60 days, or not more than two payments
past due.
3: Pays (or paid) in more than 60 days from payment due date,
but not more than 90 days, or not more than 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: Account is at least 120 days overdue but is not yet rated “9”.
7: Making regular payments under a consolidation order or
similar arrangement.
8: Repossession (voluntary or involuntary return of merchandise).
9: Bad debt; placed for collection; skip account.
11
GLossArY
Key words are specific abbreviations in various sections of the credit file. Please use this list to interpret the
abbreviations when you see them.
ACC: Account number
ACT PMT/AMT: Actual last payment amount by the
consumer
AGE: Age of subject
AKA: Also known as
B: Both
Balance: Amount owed at time of reporting
BDS: Birth date - Subject
BKRPT: Bankruptcy
Bus/ID Code: Company name/ telephone/member
number
CA: Current address
CASE NO: Case number
CCYY/MM/DD Year/Month/Day
CDC: Consumer debt counseling
CHKAC: Chequing account
CRCLD: Court consolidation
Credit Limit: Maximum credit amount assigned to
the credit product
CRT: Update by in-house operator
DAPA: Debtor assistance pool account
DEF: Defendant
Description: Provides additional information about
the account
DIS: Dispute following resolution
DLA: Date of last activity by the consumer
DN: Death notice
DT OPND: Date account was opened with the
credit grantor
DT Closed: Date of closure of the account
DT RPTD: Date item was reported to Equifax
EMP: Date employed
ES: Employment - subject
E2: Subject’s second former Employment
FA: Former address
FAD: File activity date
FN: File number or former name (depends
on line)
FORCL: Foreclosure
FRST/DELQ: Date of first payment delinquency by
the consumer
FS: Date file was established
High Credit: Highest amount ever owed on the
product
ID: Identification information
IND: Individual
INQS: Inquiries
IN VOL: Involuntary
INVER: Indirectly verified
J: Joint
JUDG: Judgment
LEFT: Date left employment
LIAB: Liabilities (amount)
LWR: Lawyer
MATURE: Date of maturity
MEM#ID: Equifax Member number Mortgage
Trade line: Industry code is displayed (Example:
BB): mortgage issuer name/date
opened are masked
NSF: Non-sufficient funds
NV: Not Verified
PD: Date paid
Past Due: Past due amount as of date reported
PMT AMT: Payment Terms
R/O/I/L/C/M: Portfolio Types
PREV/MEM# ID: Previous Equifax Member number
PR/BK: Proposal under bankruptcy
PR/OI: Public records or other information
RPTD: Date reported
RT: Type of account and manner of
repayment: Current rating
SAVAC: Savings account
SECLN: Secured loan
SINCE: Date file was established
SPECL: Special notice item
SSS: Social insurance/subject
STJD: Satisfied judgment
STS: System-to-system customer
TR: Number of times the credit grantor
has reported an account update Trade
Payment
Profile: Numeric summary of up to 36 months
of previous ratings
U: Unknown
UN: Unique file number
UPCL: Unpaid collection
VER: Date verified
VLDEP: Voluntary deposit
VOL: Voluntary
WRTN OFF/AMT: Actual amount written off by the credit
grantor
XX Automatic file combine
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