CREDIT_SCORE_MODEL_DETAIL Attribute Details

CreditScoreCategoryType

Base Entity	CREDIT_SCORE_MODEL_DETAIL
Attribute Name	CreditScoreCategoryType
Logical Rolename
ColumnName	CreditScoreCategoryType
RoleName
Domain	CreditScoreCategoryEnum
Definition	An enumerated list that describes the general type or purpose of a credit score model. This allows LOS systems to extract scores by a more general category, without having to know the specific score model names.
Note

CreditScoreCategoryType Logical Attribute Properties

Logical Attribute Name CreditScoreCategoryType

Datatype VARCHAR(0)

Nullable YES

CreditScoreCategoryType Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreCategoryType Reference Value (Bound to Domain)

Name ValidationRule119

Description

Type By List

Value Value Description

Bankruptcy A risk index representing the likelihood of an individual to file for bankruptcy in the near future.

CreditRepository A score model jointly developed by the credit repository bureaus using the same algorithms to evaluate potential credit performance and calculate risk of delinquency.

FICO A credit score model developed by Fair Isaac Corporation, representing the financial credit worthiness of an individual.

FICONextGen A credit score model developed by Fair Isaac Corporation as part of their Next Gen scoring algorithm, representing the financial credit worthiness of an individual.

Other Use this enumeration for any credit score category that is not one of the pre-defined category types. The actual category type should be stored in the new Credit Score Category Type Other Description.

ThinFile A credit score model that uses non-traditional data such as utility bill payment history and residential rental history to determine the credit worthiness of an an individual. This score model is normally used for individuals who to not have sufficient credit history.

CreditScoreCategoryType Bound Attachments

Name Current Value

CreditScoreCategoryType User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreCategoryType Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreCategoryType Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreCategoryType Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreCategoryType Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreCategoryTypeOtherDescription

Base Entity	CREDIT_SCORE_MODEL_DETAIL
Attribute Name	CreditScoreCategoryTypeOtherDescription
Logical Rolename
ColumnName	CreditScoreCategoryTypeOtherDescription
RoleName
Domain	MISMOString
Definition	When Credit Score Category Type is set to "Other", enter its value in this data element.
Note

CreditScoreCategoryTypeOtherDescription Logical Attribute Properties

Logical Attribute Name CreditScoreCategoryTypeOtherDescription

Datatype VARCHAR(0)

Nullable NO

CreditScoreCategoryTypeOtherDescription Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreCategoryTypeOtherDescription Bound Attachments

Name Current Value

CreditScoreCategoryTypeOtherDescription User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreCategoryTypeOtherDescription Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreCategoryTypeOtherDescription Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreCategoryTypeOtherDescription Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreCategoryTypeOtherDescription Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreMaximumValue

Base Entity	CREDIT_SCORE_MODEL_DETAIL
Attribute Name	CreditScoreMaximumValue
Logical Rolename
ColumnName	CreditScoreMaximumValue
RoleName
Domain	MISMOValue
Definition	This is the upper range of possible score values for this Credit Score Model Name Type. The range of credit score values is required to be part of the FACTA disclosure.
Note

CreditScoreMaximumValue Logical Attribute Properties

Logical Attribute Name CreditScoreMaximumValue

Datatype VARCHAR(0)

Nullable NO

CreditScoreMaximumValue Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreMaximumValue Bound Attachments

Name Current Value

CreditScoreMaximumValue User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreMaximumValue Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreMaximumValue Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreMaximumValue Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreMaximumValue Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreMinimumValue

Base Entity	CREDIT_SCORE_MODEL_DETAIL
Attribute Name	CreditScoreMinimumValue
Logical Rolename
ColumnName	CreditScoreMinimumValue
RoleName
Domain	MISMOValue
Definition	This is the lower range of possible score values for this Credit Score Model Name Type. The range of credit score values is required to be part of the FACTA disclosure.
Note

CreditScoreMinimumValue Logical Attribute Properties

Logical Attribute Name CreditScoreMinimumValue

Datatype VARCHAR(0)

Nullable NO

CreditScoreMinimumValue Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreMinimumValue Bound Attachments

Name Current Value

CreditScoreMinimumValue User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreMinimumValue Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreMinimumValue Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreMinimumValue Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreMinimumValue Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelNameType

Base Entity	CREDIT_SCORE_MODEL_DETAIL
Attribute Name	CreditScoreModelNameType
Logical Rolename
ColumnName	CreditScoreModelNameType
RoleName
Domain	CreditScoreModelNameEnum
Definition	Identifies the score algorithm model name used to produce the referenced credit risk score.
Note

CreditScoreModelNameType Logical Attribute Properties

Logical Attribute Name CreditScoreModelNameType

Datatype VARCHAR(0)

Nullable YES

CreditScoreModelNameType Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreModelNameType Reference Value (Bound to Domain)

Name ValidationRule122

Description

Type By List

Value Value Description

Beacon09MortgageIndustryOption Beacon09MortgageIndustryOption

EquifaxBankruptcyNavigatorIndex02781 The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Consumer files with bankruptcies are not scored. Score Scale is 1 � 600.

EquifaxBankruptcyNavigatorIndex02782 The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Scores files with previous bankruptcies. Score Scale is 1 � 600.

EquifaxBankruptcyNavigatorIndex02783 The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Consumer files with bankruptcies are not scored. Score Scale is 1 � 200.

EquifaxBankruptcyNavigatorIndex02784 The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Scores files with previous bankruptcies. Score Scale is 1 � 300.

EquifaxBeacon Fair Isaac risk model forecasting delinquency within 24 months.

EquifaxBeacon5.0 Fair Isaac risk model forecasting delinquency within 24 months. Updated in 2003.

EquifaxBeacon5.0Auto Fair Isaac risk model for auto finance loans. Updated in 2003.

EquifaxBeacon5.0BankCard Fair Isaac risk model for bank credit cards. Updated in 2003.

EquifaxBeacon5.0Installment Fair Isaac risk model for installment loans. Updated in 2003.

EquifaxBeacon5.0PersonalFinance Fair Isaac risk model for personal finance loans.

EquifaxBeaconAuto Fair Isaac risk model for auto finance loans.

EquifaxBeaconBankcard Fair Isaac risk model for bank credit cards.

EquifaxBeaconInstallment Fair Isaac risk model for installment loans.

EquifaxBeaconPersonalFinance Fair Isaac risk model for personal finance loans.

EquifaxDAS Delinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy.

EquifaxEnhancedBeacon An updated Fair Isaac risk model forecasting the risk of delinquency within 24 months.

EquifaxEnhancedDAS Enhanced Delinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy.

EquifaxMarketMax Equifax predictive score for no-hit or thin files

EquifaxMortgageScore A custom risk score model from Equifax specifically for assessing mortgage loan risk.

EquifaxPinnacle The Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability.

EquifaxPinnacle2.0 The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003.

EquifaxVantageScore A score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.

ExperianFairIsaac Fair Isaac risk model forecasting risk of delinquency within 24 months.

ExperianFairIsaacAdvanced The Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability.

ExperianFairIsaacAdvanced2.0 The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003.

ExperianFairIsaacAuto Fair Isaac risk model for auto finance.

ExperianFairIsaacBankcard Fair Isaac risk model for bank credit cards.

ExperianFairIsaacInstallment Fair Isaac risk model for installment loans.

ExperianFairIsaacPersonalFinance Fair Isaac risk model for personal finance loans.

ExperianFICOClassicV3 Fair Isaac risk model forecasting risk of delinquency within 24 months. Updated in 2004.

ExperianMDSBankruptcyII MDS risk model that forecasts risk of consumer filing bankruptcy.

ExperianNewNationalEquivalency Experian option for the National Risk Model that produces score ranges similar to Fair Isaac models.

ExperianNewNationalRisk New version of Experians National Risk Model.

ExperianOldNationalRisk Original version of Experians National Risk Model.

ExperianScorexPLUS An Experian risk model based on their own credit data.

ExperianVantageScore A score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.

FICOExpansionScore Fair Isaac risk model based on non-traditional credit data, targeted to predict risk for consumers with non-existent or thin credit histories.

FICORiskScoreClassic04 Fair Isaac risk model forecasting risk of delinquency within 24 months. Updated in 2004.

FICORiskScoreClassic98 Fair Isaac risk model forecasting risk of delinquency within 24 months. New Trans Union product name for Empirica.

FICORiskScoreClassicAuto98 Fair Isaac risk model for auto finance loans. New Trans Union product name for Empirica Auto.

FICORiskScoreClassicBankcard98 Fair Isaac risk model for bank credit cards. New Trans Union product name for Empirica Bankcard.

FICORiskScoreClassicInstallmentLoan98 Fair Isaac risk model for installment loans. New Trans Union product name for Empirica Installment.

FICORiskScoreClassicPersonalFinance98 Fair Isaac risk model for personal finance loans. New Trans Union product name for Empirica Personal Finance.

FICORiskScoreNextGen00 The Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability. New Trans Union product name for Precision.

FICORiskScoreNextGen03 The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003. New Trans Union product name for Precision 03.

Other Used when Score Model Name is not in the enumerated list.

TransUnionDelphi MDS risk model that forecasts risk of consumer filing bankruptcy.

TransUnionEmpirica Fair Isaac risk model forecasting risk of delinquency within 24 months. Trans Union has renamed this risk model to FICO Risk Score Classic 98.

TransUnionEmpiricaAuto Fair Isaac risk model for auto finance loans. Trans Union has renamed this risk model to FICO Risk Score Classic Auto 98.

TransUnionEmpiricaBankcard Fair Isaac risk model for bank credit cards. Trans Union has renamed this risk model to FICO Risk Score Classic Bankcard 98.

TransUnionEmpiricaInstallment Fair Isaac risk model for installment loans. Trans Union has renamed this risk model to FICO Risk Score Classic Installment 98.

TransUnionEmpiricaPersonalFinance Fair Isaac risk model for personal finance loans. Trans Union has renamed this risk model to FICO Risk Score Classic Personal Finance 98.

TransUnionNewDelphi Updated MDS risk model that forecasts risk of consumer filing bankruptcy.

TransUnionPrecision The Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability. Trans Union has renamed this risk model to FICO Risk Score Next Gen 00.

TransUnionPrecision03 The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003. Trans Union has renamed this risk model to FICO Risk Score Next Gen 03.

TransUnionVantageScore A score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.

CreditScoreModelNameType Bound Attachments

Name Current Value

CreditScoreModelNameType User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreModelNameType Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelNameType Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelNameType Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelNameType Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelNameTypeOtherDescription

Base Entity	CREDIT_SCORE_MODEL_DETAIL
Attribute Name	CreditScoreModelNameTypeOtherDescription
Logical Rolename
ColumnName	CreditScoreModelNameTypeOtherDescription
RoleName
Domain	MISMOString
Definition	When the Credit Score Model Name Type is set to Other, this element holds the description.
Note

CreditScoreModelNameTypeOtherDescription Logical Attribute Properties

Logical Attribute Name CreditScoreModelNameTypeOtherDescription

Datatype VARCHAR(0)

Nullable NO

CreditScoreModelNameTypeOtherDescription Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreModelNameTypeOtherDescription Bound Attachments

Name Current Value

CreditScoreModelNameTypeOtherDescription User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreModelNameTypeOtherDescription Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelNameTypeOtherDescription Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelNameTypeOtherDescription Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelNameTypeOtherDescription Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelRangeOfScoresDescription

Base Entity	CREDIT_SCORE_MODEL_DETAIL
Attribute Name	CreditScoreModelRangeOfScoresDescription
Logical Rolename
ColumnName	CreditScoreModelRangeOfScoresDescription
RoleName
Domain	MISMOString
Definition	The range of scores possible under the credit score model.WKFS
Note

CreditScoreModelRangeOfScoresDescription Logical Attribute Properties

Logical Attribute Name CreditScoreModelRangeOfScoresDescription

Datatype VARCHAR(0)

Nullable NO

CreditScoreModelRangeOfScoresDescription Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreModelRangeOfScoresDescription Bound Attachments

Name Current Value

CreditScoreModelRangeOfScoresDescription User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreModelRangeOfScoresDescription Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelRangeOfScoresDescription Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelRangeOfScoresDescription Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelRangeOfScoresDescription Secondary Target Mappings

Columns Transformation Logic Transformation Description

Logical Attribute Name	CreditScoreCategoryType
Datatype	VARCHAR(0)
Nullable	YES

CheckConstraint
Check Constraint Name
Bound Rule
Declared Default
Bound Default

Value	Value Description
Bankruptcy	A risk index representing the likelihood of an individual to file for bankruptcy in the near future.
CreditRepository	A score model jointly developed by the credit repository bureaus using the same algorithms to evaluate potential credit performance and calculate risk of delinquency.
FICO	A credit score model developed by Fair Isaac Corporation, representing the financial credit worthiness of an individual.
FICONextGen	A credit score model developed by Fair Isaac Corporation as part of their Next Gen scoring algorithm, representing the financial credit worthiness of an individual.
Other	Use this enumeration for any credit score category that is not one of the pre-defined category types. The actual category type should be stored in the new Credit Score Category Type Other Description.
ThinFile	A credit score model that uses non-traditional data such as utility bill payment history and residential rental history to determine the credit worthiness of an an individual. This score model is normally used for individuals who to not have sufficient credit history.

Value	Value Description
Beacon09MortgageIndustryOption	Beacon09MortgageIndustryOption
EquifaxBankruptcyNavigatorIndex02781	The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Consumer files with bankruptcies are not scored. Score Scale is 1 � 600.
EquifaxBankruptcyNavigatorIndex02782	The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Scores files with previous bankruptcies. Score Scale is 1 � 600.
EquifaxBankruptcyNavigatorIndex02783	The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Consumer files with bankruptcies are not scored. Score Scale is 1 � 200.
EquifaxBankruptcyNavigatorIndex02784	The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Scores files with previous bankruptcies. Score Scale is 1 � 300.
EquifaxBeacon	Fair Isaac risk model forecasting delinquency within 24 months.
EquifaxBeacon5.0	Fair Isaac risk model forecasting delinquency within 24 months. Updated in 2003.
EquifaxBeacon5.0Auto	Fair Isaac risk model for auto finance loans. Updated in 2003.
EquifaxBeacon5.0BankCard	Fair Isaac risk model for bank credit cards. Updated in 2003.
EquifaxBeacon5.0Installment	Fair Isaac risk model for installment loans. Updated in 2003.
EquifaxBeacon5.0PersonalFinance	Fair Isaac risk model for personal finance loans.
EquifaxBeaconAuto	Fair Isaac risk model for auto finance loans.
EquifaxBeaconBankcard	Fair Isaac risk model for bank credit cards.
EquifaxBeaconInstallment	Fair Isaac risk model for installment loans.
EquifaxBeaconPersonalFinance	Fair Isaac risk model for personal finance loans.
EquifaxDAS	Delinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy.
EquifaxEnhancedBeacon	An updated Fair Isaac risk model forecasting the risk of delinquency within 24 months.
EquifaxEnhancedDAS	Enhanced Delinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy.
EquifaxMarketMax	Equifax predictive score for no-hit or thin files
EquifaxMortgageScore	A custom risk score model from Equifax specifically for assessing mortgage loan risk.
EquifaxPinnacle	The Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability.
EquifaxPinnacle2.0	The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003.
EquifaxVantageScore	A score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.
ExperianFairIsaac	Fair Isaac risk model forecasting risk of delinquency within 24 months.
ExperianFairIsaacAdvanced	The Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability.
ExperianFairIsaacAdvanced2.0	The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003.
ExperianFairIsaacAuto	Fair Isaac risk model for auto finance.
ExperianFairIsaacBankcard	Fair Isaac risk model for bank credit cards.
ExperianFairIsaacInstallment	Fair Isaac risk model for installment loans.
ExperianFairIsaacPersonalFinance	Fair Isaac risk model for personal finance loans.
ExperianFICOClassicV3	Fair Isaac risk model forecasting risk of delinquency within 24 months. Updated in 2004.
ExperianMDSBankruptcyII	MDS risk model that forecasts risk of consumer filing bankruptcy.
ExperianNewNationalEquivalency	Experian option for the National Risk Model that produces score ranges similar to Fair Isaac models.
ExperianNewNationalRisk	New version of Experians National Risk Model.
ExperianOldNationalRisk	Original version of Experians National Risk Model.
ExperianScorexPLUS	An Experian risk model based on their own credit data.
ExperianVantageScore	A score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.
FICOExpansionScore	Fair Isaac risk model based on non-traditional credit data, targeted to predict risk for consumers with non-existent or thin credit histories.
FICORiskScoreClassic04	Fair Isaac risk model forecasting risk of delinquency within 24 months. Updated in 2004.
FICORiskScoreClassic98	Fair Isaac risk model forecasting risk of delinquency within 24 months. New Trans Union product name for Empirica.
FICORiskScoreClassicAuto98	Fair Isaac risk model for auto finance loans. New Trans Union product name for Empirica Auto.
FICORiskScoreClassicBankcard98	Fair Isaac risk model for bank credit cards. New Trans Union product name for Empirica Bankcard.
FICORiskScoreClassicInstallmentLoan98	Fair Isaac risk model for installment loans. New Trans Union product name for Empirica Installment.
FICORiskScoreClassicPersonalFinance98	Fair Isaac risk model for personal finance loans. New Trans Union product name for Empirica Personal Finance.
FICORiskScoreNextGen00	The Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability. New Trans Union product name for Precision.
FICORiskScoreNextGen03	The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003. New Trans Union product name for Precision 03.
Other	Used when Score Model Name is not in the enumerated list.
TransUnionDelphi	MDS risk model that forecasts risk of consumer filing bankruptcy.
TransUnionEmpirica	Fair Isaac risk model forecasting risk of delinquency within 24 months. Trans Union has renamed this risk model to FICO Risk Score Classic 98.
TransUnionEmpiricaAuto	Fair Isaac risk model for auto finance loans. Trans Union has renamed this risk model to FICO Risk Score Classic Auto 98.
TransUnionEmpiricaBankcard	Fair Isaac risk model for bank credit cards. Trans Union has renamed this risk model to FICO Risk Score Classic Bankcard 98.
TransUnionEmpiricaInstallment	Fair Isaac risk model for installment loans. Trans Union has renamed this risk model to FICO Risk Score Classic Installment 98.
TransUnionEmpiricaPersonalFinance	Fair Isaac risk model for personal finance loans. Trans Union has renamed this risk model to FICO Risk Score Classic Personal Finance 98.
TransUnionNewDelphi	Updated MDS risk model that forecasts risk of consumer filing bankruptcy.
TransUnionPrecision	The Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability. Trans Union has renamed this risk model to FICO Risk Score Next Gen 00.
TransUnionPrecision03	The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003. Trans Union has renamed this risk model to FICO Risk Score Next Gen 03.
TransUnionVantageScore	A score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.