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- Consumer identification information
Verifies the consumer you're looking for by providing specifics on the consumer's name, address, alias names, Social Security number, spouse name, year of birth and family generation title. The "source" indicator shows whether the data was reported to Experian via monthly reporting tape, inquiry or manually through the maintenance process. Your inquiry information may indicate possible fraud if it conflicts with data on file for the consumer.
- Deceased on file
Warning message indicates the person has been reported to Experian by a credit grantor as deceased. By calling subscribers listed in our "tradeline" section, you can confirm this data and continue your collection efforts by contacting the acting executor.
- Match code
An alpha-numeric comment you may input via the "M" keyword that enables you to quickly cross-reference the report to your internal account numbers. You can even specify that the report be sent to a specific department or contact person.
- Additional address information
The debtor's other known addresses as reported to Experian. You can try contacting the consumer directly or you can use this data to check names and phone numbers of neighbors who could give you further information on the debtor's location.
- Employer information
The most recent employer name and address as reported to Experian. Contact the employer to find out more information about the debtor, or to make arrangements to garnish wages.
- Fraud ShieldSM / risk score information
This optional feature allows you to receive Experian's Fraud Shield and/or risk model services. Experian's Fraud Shield service offers a range of options to uncover potential fraudulent activity associated with a consumer's Social Security number and/or address. Experian's risk model services help you identify high-risk accounts that appear to be creditworthy. Collection and recovery models can help you prioritize the most collectible accounts.
- Tradeline information
Information about the debtor's accounts as reported by credit grantors over the last 12 months. Data fields include account status, type of account, date reported and potential assets available. Accounts are sorted first by status (deceased, current, delinquent, paid or under dispute) and then by most recent date reported within each status category. This format helps you immediately identify and prioritize accounts so you can concentrate your efforts on contacting credit grantors with the most recent information or on collecting accounts with the highest repayment potential.
- Recently opened account
Indicates, through the symbol "O," that the account was opened within the last six months. The creditor of the new account is probably the last to have significant contact with the debtor. By calling this creditor, you're likely to find out the debtor's most recent location, available credit and payment performance.
- Debt counseling
Indicates, through the symbol "B," consumers who are repaying their bills through debt counseling. By contacting the credit grantor who reported the debt counseling, you may be able to locate the counselor and be added to the debtor's repayment program.
- Account status
Immediately tells you if the account is current, delinquent/derogatory, paid, closed, belonging to a person reported as deceased, or under dispute. Use this data to help prioritize which accounts to collect first and which companies to contact for more information.
- Type of account
Defines whether the account pertains to a real estate, installment or auto loan; bank credit card; retail charge card; other charge card; or other type of account. This data helps you quickly identify and contact credit grantors you feel are most likely to assist in skip tracing.
- Date of activity
This is the date the consumer made his/her last payment on the account. If this date is unavailable, it will be the date the credit grantor last reported information to Experian. Contact the subscriber with the most recent report date to learn more about the debtor's present location and financial situation.
- Amount available
Reflects some potential assets of debtors so you can quickly contact consumers who appear most able to pay. The amount available figure is the difference between the balance and credit limit, on revolving accounts only, indicating the amount available for cash advances that could be used as repayment.
- Subscriber phone numbers
Phone numbers are for the specific branch or office location of the credit grantor who reported the data to Experian, enabling you to speak directly with creditors who may have more information about the consumer's location and financial status.
- Inquiry information
Lists companies that have received credit information on the debtor in the last six months. These companies may have more current information on your debtor based on attempts to open new accounts.
- Public record information
Displays all bankruptcies until the time they are removed from the consumer's file as mandated by the Fair Credit Reporting Act. Judgments, liens and other items of public record filed during the past 12 months also will display. Bankruptcy data is especially useful when negotiating repayment with debtors. For example, if their bankruptcy is nearing expiration, you can encourage them to pay in order to establish a clean start. Or, if their bankruptcy was recently filed, you will know not to accept declaring another bankruptcy as a non-payment excuse.
- Subscriber address information
Enables you to contact credit grantors to confirm or receive more information about the debtor. Subscriber addresses are supplied when phone numbers are unavailable.
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