| Attribute/Logical Rolename |
Domain |
Datatype |
NULL |
Definition |
| CreditReportIdentifier |
MISMOIdentifier |
VARCHAR(0) |
NO |
A reference number assigned by the credit bureau to a specific credit report. This report number is also referenced when a Reissue, Upgrade, or Status Query of an existing report is requested. |
| CreditReportType |
CreditReportEnum |
VARCHAR(0) |
YES |
The type of credit report that was requested or produced. Most common types are Merged report (data from credit data repositories is merged), and RMCR (Residential Mortgage Credit Report - contains verified liabilities, employment, etc.)
|
| CreditReportTypeOtherDescription |
MISMOString |
VARCHAR(0) |
NO |
When Credit Report Type is set to Other, enter its description in this element. |
| CreditRepositorySingleSourceIndicator |
MISMOIndicator |
BIT |
NO |
If true, indicates the credit report was based on the input from a single credit repository. Also know as a single in-file credit report. |
| CreditRepositorySourceIndicator |
MISMOIndicator |
BIT |
NO |
Indicates whether a Credit Repository Source is available. If a Credit Repository Source is available then the source can be provided in Credit Repository Source Type. |
| CreditRepositorySourceType |
CreditRepositorySourceEnum |
VARCHAR(0) |
YES |
This element describes the source of the credit file, Equifax, Experian, Trans Union or Unspecified if the specific sources are not specified.
|
| CreditRepositorySourceTypeOtherDescription |
MISMOString |
VARCHAR(0) |
NO |
When Credit Repository Source Type is set to Other, enter its value in this data element. |
| CreditScoreCategoryType |
CreditScoreCategoryEnum |
VARCHAR(0) |
YES |
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.
|
| CreditScoreCategoryTypeOtherDescription |
MISMOString |
VARCHAR(0) |
NO |
When Credit Score Category Type is set to "Other", enter its value in this data element. |
| CreditScoreDate |
MISMODate |
DATE |
NO |
Date that the referenced credit score was produced. |
| CreditScoreExclusionReasonType |
CreditScoreExclusionReasonEnum |
VARCHAR(0) |
YES |
An enumerated list of reasons why a credit score could not be generated.
|
| CreditScoreFACTAInquiriesIndicator |
MISMOIndicator |
BIT |
NO |
This indicator is set to True when the Credit Risk Score Value of the borrower was negatively affected by the presence of credit inquiry records on their credit report. There may be FACT Act compliance requirements related to this alert message. |
| CreditScoreImpairmentType |
CreditScoreImpairmentEnum |
VARCHAR(0) |
YES |
Identifies a characteristic of the Credit Score that impairs its effectiveness as an indicator of credit risk.
|
| CreditScoreImpairmentTypeOtherDescription |
MISMOString |
VARCHAR(0) |
NO |
A free form text field used to collect additional information when Other is selected for Credit Score Impairment Type. |
| CreditScoreModelNameType |
CreditScoreModelNameEnum |
VARCHAR(0) |
YES |
Identifies the score algorithm model name used to produce the referenced credit risk score.
|
| CreditScoreModelNameTypeOtherDescription |
MISMOString |
VARCHAR(0) |
NO |
When the Credit Score Model Name Type is set to Other, this element holds the description. |
| CreditScoreRankPercentileDescription |
MISMOString |
VARCHAR(0) |
NO |
A detailed description of how the credit score compares to the scores of other consumers. |
| CreditScoreRankPercentileValue |
MISMOValue |
VARCHAR(0) |
NO |
The percentile that the parties credit score is in comparison to all consumers. |
| CreditScoreValue |
MISMOValue |
VARCHAR(0) |
NO |
Numeric credit score resulting from credit evaluation model. |