CREDIT_SCORE_DETAIL Attribute Details

CreditReportIdentifier

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditReportIdentifier
Logical Rolename
ColumnName	CreditReportIdentifier
RoleName
Domain	MISMOIdentifier
Definition	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.
Note

CreditReportIdentifier Logical Attribute Properties

Logical Attribute Name CreditReportIdentifier

Datatype VARCHAR(0)

Nullable NO

CreditReportIdentifier Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditReportIdentifier Bound Attachments

Name Current Value

CreditReportIdentifier User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditReportIdentifier Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditReportIdentifier Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditReportIdentifier Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditReportIdentifier Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditReportType

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditReportType
Logical Rolename
ColumnName	CreditReportType
RoleName
Domain	CreditReportEnum
Definition	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.)
Note

CreditReportType Logical Attribute Properties

Logical Attribute Name CreditReportType

Datatype VARCHAR(0)

Nullable YES

CreditReportType Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditReportType Reference Value (Bound to Domain)

Name ValidationRule110

Description

Type By List

Value Value Description

Error This report type lists errors that caused the request transaction to be rejected

LoanQuality Credit report type used for performing a credit history search for undisclosed liabilities.

LoanQualityCompare Credit report type used for performing a credit history search and comparing the updated data against the original report.

Merge A merge report (also called merged infile) includes data on file from the selected credit data repositories.

MergePlus An enhanced version of the Merge product. Contact credit bureau for details.

MortgageOnly Provides a credit report showing only mortgage liabilities. The report may or may not include credit scores.

NonTraditional Provides credit evaluation for borrowers with minimal credit history.

Other Other

RiskScoresOnly Provides credit risk scores only.

RMCR Residential Mortgage Credit Report is an enhanced credit product that contains verified information and/or additional investigation.

RMCRForeign RMCR with additional foreign investigation.

Status Status

CreditReportType Bound Attachments

Name Current Value

CreditReportType User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditReportType Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditReportType Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditReportType Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditReportType Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditReportTypeOtherDescription

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditReportTypeOtherDescription
Logical Rolename
ColumnName	CreditReportTypeOtherDescription
RoleName
Domain	MISMOString
Definition	When Credit Report Type is set to Other, enter its description in this element.
Note

CreditReportTypeOtherDescription Logical Attribute Properties

Logical Attribute Name CreditReportTypeOtherDescription

Datatype VARCHAR(0)

Nullable NO

CreditReportTypeOtherDescription Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditReportTypeOtherDescription Bound Attachments

Name Current Value

CreditReportTypeOtherDescription User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditReportTypeOtherDescription Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditReportTypeOtherDescription Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditReportTypeOtherDescription Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditReportTypeOtherDescription Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySingleSourceIndicator

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditRepositorySingleSourceIndicator
Logical Rolename
ColumnName	CreditRepositorySingleSourceIndicator
RoleName
Domain	MISMOIndicator
Definition	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.
Note

CreditRepositorySingleSourceIndicator Logical Attribute Properties

Logical Attribute Name CreditRepositorySingleSourceIndicator

Datatype BIT

Nullable NO

CreditRepositorySingleSourceIndicator Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditRepositorySingleSourceIndicator Bound Attachments

Name Current Value

CreditRepositorySingleSourceIndicator User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditRepositorySingleSourceIndicator Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySingleSourceIndicator Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySingleSourceIndicator Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySingleSourceIndicator Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceIndicator

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditRepositorySourceIndicator
Logical Rolename
ColumnName	CreditRepositorySourceIndicator
RoleName
Domain	MISMOIndicator
Definition	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.
Note

CreditRepositorySourceIndicator Logical Attribute Properties

Logical Attribute Name CreditRepositorySourceIndicator

Datatype BIT

Nullable NO

CreditRepositorySourceIndicator Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditRepositorySourceIndicator Bound Attachments

Name Current Value

CreditRepositorySourceIndicator User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditRepositorySourceIndicator Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceIndicator Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceIndicator Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceIndicator Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceType

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditRepositorySourceType
Logical Rolename
ColumnName	CreditRepositorySourceType
RoleName
Domain	CreditRepositorySourceEnum
Definition	This element describes the source of the credit file, Equifax, Experian, Trans Union or Unspecified if the specific sources are not specified.
Note

CreditRepositorySourceType Logical Attribute Properties

Logical Attribute Name CreditRepositorySourceType

Datatype VARCHAR(0)

Nullable YES

CreditRepositorySourceType Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditRepositorySourceType Reference Value (Bound to Domain)

Name ValidationRule114

Description

Type By List

Value Value Description

Equifax Equifax

Experian Experian

Other Other

TransUnion TransUnion

Unspecified Unspecified

CreditRepositorySourceType Bound Attachments

Name Current Value

CreditRepositorySourceType User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditRepositorySourceType Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceType Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceType Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceType Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceTypeOtherDescription

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditRepositorySourceTypeOtherDescription
Logical Rolename
ColumnName	CreditRepositorySourceTypeOtherDescription
RoleName
Domain	MISMOString
Definition	When Credit Repository Source Type is set to Other, enter its value in this data element.
Note

CreditRepositorySourceTypeOtherDescription Logical Attribute Properties

Logical Attribute Name CreditRepositorySourceTypeOtherDescription

Datatype VARCHAR(0)

Nullable NO

CreditRepositorySourceTypeOtherDescription Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditRepositorySourceTypeOtherDescription Bound Attachments

Name Current Value

CreditRepositorySourceTypeOtherDescription User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditRepositorySourceTypeOtherDescription Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceTypeOtherDescription Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceTypeOtherDescription Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditRepositorySourceTypeOtherDescription Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreCategoryType

Base Entity	CREDIT_SCORE_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_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

CreditScoreDate

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditScoreDate
Logical Rolename
ColumnName	CreditScoreDate
RoleName
Domain	MISMODate
Definition	Date that the referenced credit score was produced.
Note

CreditScoreDate Logical Attribute Properties

Logical Attribute Name CreditScoreDate

Datatype DATE

Nullable NO

CreditScoreDate Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreDate Bound Attachments

Name Current Value

CreditScoreDate User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreDate Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreDate Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreDate Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreDate Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreExclusionReasonType

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditScoreExclusionReasonType
Logical Rolename
ColumnName	CreditScoreExclusionReasonType
RoleName
Domain	CreditScoreExclusionReasonEnum
Definition	An enumerated list of reasons why a credit score could not be generated.
Note

CreditScoreExclusionReasonType Logical Attribute Properties

Logical Attribute Name CreditScoreExclusionReasonType

Datatype VARCHAR(0)

Nullable YES

CreditScoreExclusionReasonType Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreExclusionReasonType Reference Value (Bound to Domain)

Name ValidationRule120

Description

Type By List

Value Value Description

InvalidScoreRequest InvalidScoreRequest

NotScoredCreditDataNotAvailable NotScoredCreditDataNotAvailable

NotScoredFileCannotBeScored NotScoredFileCannotBeScored

NotScoredFileIsUnderReview NotScoredFileIsUnderReview

NotScoredFileTooLong NotScoredFileTooLong

NotScoredInsufficientCredit NotScoredInsufficientCredit

NotScoredNoQualifyingAccount NotScoredNoQualifyingAccount

NotScoredNoRecentAccountInformation NotScoredNoRecentAccountInformation

NotScoredRequirementsNotMet NotScoredRequirementsNotMet

NotScoredSubjectDeceased NotScoredSubjectDeceased

ScoringNotAvailable ScoringNotAvailable

UnauthorizedScoreRequest UnauthorizedScoreRequest

CreditScoreExclusionReasonType Bound Attachments

Name Current Value

CreditScoreExclusionReasonType User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreExclusionReasonType Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreExclusionReasonType Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreExclusionReasonType Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreExclusionReasonType Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreFACTAInquiriesIndicator

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditScoreFACTAInquiriesIndicator
Logical Rolename
ColumnName	CreditScoreFACTAInquiriesIndicator
RoleName
Domain	MISMOIndicator
Definition	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.
Note

CreditScoreFACTAInquiriesIndicator Logical Attribute Properties

Logical Attribute Name CreditScoreFACTAInquiriesIndicator

Datatype BIT

Nullable NO

CreditScoreFACTAInquiriesIndicator Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreFACTAInquiriesIndicator Bound Attachments

Name Current Value

CreditScoreFACTAInquiriesIndicator User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreFACTAInquiriesIndicator Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreFACTAInquiriesIndicator Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreFACTAInquiriesIndicator Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreFACTAInquiriesIndicator Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreImpairmentType

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditScoreImpairmentType
Logical Rolename
ColumnName	CreditScoreImpairmentType
RoleName
Domain	CreditScoreImpairmentEnum
Definition	Identifies a characteristic of the Credit Score that impairs its effectiveness as an indicator of credit risk.
Note

CreditScoreImpairmentType Logical Attribute Properties

Logical Attribute Name CreditScoreImpairmentType

Datatype VARCHAR(0)

Nullable YES

CreditScoreImpairmentType Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreImpairmentType Reference Value (Bound to Domain)

Name ValidationRule121

Description

Type By List

Value Value Description

ImmaterialDisputedAccount ImmaterialDisputedAccount

InsufficientCreditHistory InsufficientCreditHistory

NonPredictiveScore NonPredictiveScore

Other Other

SignificantErrorsScore SignificantErrorsScore

Unscorable Unscorable

CreditScoreImpairmentType Bound Attachments

Name Current Value

CreditScoreImpairmentType User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreImpairmentType Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreImpairmentType Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreImpairmentType Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreImpairmentType Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreImpairmentTypeOtherDescription

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditScoreImpairmentTypeOtherDescription
Logical Rolename
ColumnName	CreditScoreImpairmentTypeOtherDescription
RoleName
Domain	MISMOString
Definition	A free form text field used to collect additional information when Other is selected for Credit Score Impairment Type.
Note

CreditScoreImpairmentTypeOtherDescription Logical Attribute Properties

Logical Attribute Name CreditScoreImpairmentTypeOtherDescription

Datatype VARCHAR(0)

Nullable NO

CreditScoreImpairmentTypeOtherDescription Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreImpairmentTypeOtherDescription Bound Attachments

Name Current Value

CreditScoreImpairmentTypeOtherDescription User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreImpairmentTypeOtherDescription Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreImpairmentTypeOtherDescription Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreImpairmentTypeOtherDescription Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreImpairmentTypeOtherDescription Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreModelNameType

Base Entity	CREDIT_SCORE_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_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

CreditScoreRankPercentileDescription

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditScoreRankPercentileDescription
Logical Rolename
ColumnName	CreditScoreRankPercentileDescription
RoleName
Domain	MISMOString
Definition	A detailed description of how the credit score compares to the scores of other consumers.
Note

CreditScoreRankPercentileDescription Logical Attribute Properties

Logical Attribute Name CreditScoreRankPercentileDescription

Datatype VARCHAR(0)

Nullable NO

CreditScoreRankPercentileDescription Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreRankPercentileDescription Bound Attachments

Name Current Value

CreditScoreRankPercentileDescription User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreRankPercentileDescription Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreRankPercentileDescription Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreRankPercentileDescription Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreRankPercentileDescription Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreRankPercentileValue

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditScoreRankPercentileValue
Logical Rolename
ColumnName	CreditScoreRankPercentileValue
RoleName
Domain	MISMOValue
Definition	The percentile that the parties credit score is in comparison to all consumers.
Note

CreditScoreRankPercentileValue Logical Attribute Properties

Logical Attribute Name CreditScoreRankPercentileValue

Datatype VARCHAR(0)

Nullable NO

CreditScoreRankPercentileValue Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreRankPercentileValue Bound Attachments

Name Current Value

CreditScoreRankPercentileValue User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreRankPercentileValue Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreRankPercentileValue Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreRankPercentileValue Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreRankPercentileValue Secondary Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreValue

Base Entity	CREDIT_SCORE_DETAIL
Attribute Name	CreditScoreValue
Logical Rolename
ColumnName	CreditScoreValue
RoleName
Domain	MISMOValue
Definition	Numeric credit score resulting from credit evaluation model.
Note

CreditScoreValue Logical Attribute Properties

Logical Attribute Name CreditScoreValue

Datatype VARCHAR(0)

Nullable NO

CreditScoreValue Domain Restrictions

CheckConstraint

Check Constraint Name

Bound Rule

Declared Default

Bound Default

CreditScoreValue Bound Attachments

Name Current Value

CreditScoreValue User-Defined Mappings

Model Name RoleName Parent Entity Datatype Domain Description

CreditScoreValue Direct Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreValue Secondary Source Mappings

Columns Transformation Logic Transformation Description

CreditScoreValue Direct Target Mappings

Columns Transformation Logic Transformation Description

CreditScoreValue Secondary Target Mappings

Columns Transformation Logic Transformation Description

Logical Attribute Name	CreditReportIdentifier
Datatype	VARCHAR(0)
Nullable	NO

CheckConstraint
Check Constraint Name
Bound Rule
Declared Default
Bound Default

Value	Value Description
Error	This report type lists errors that caused the request transaction to be rejected
LoanQuality	Credit report type used for performing a credit history search for undisclosed liabilities.
LoanQualityCompare	Credit report type used for performing a credit history search and comparing the updated data against the original report.
Merge	A merge report (also called merged infile) includes data on file from the selected credit data repositories.
MergePlus	An enhanced version of the Merge product. Contact credit bureau for details.
MortgageOnly	Provides a credit report showing only mortgage liabilities. The report may or may not include credit scores.
NonTraditional	Provides credit evaluation for borrowers with minimal credit history.
Other	Other
RiskScoresOnly	Provides credit risk scores only.
RMCR	Residential Mortgage Credit Report is an enhanced credit product that contains verified information and/or additional investigation.
RMCRForeign	RMCR with additional foreign investigation.
Status	Status

Value	Value Description
Equifax	Equifax
Experian	Experian
Other	Other
TransUnion	TransUnion
Unspecified	Unspecified

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
InvalidScoreRequest	InvalidScoreRequest
NotScoredCreditDataNotAvailable	NotScoredCreditDataNotAvailable
NotScoredFileCannotBeScored	NotScoredFileCannotBeScored
NotScoredFileIsUnderReview	NotScoredFileIsUnderReview
NotScoredFileTooLong	NotScoredFileTooLong
NotScoredInsufficientCredit	NotScoredInsufficientCredit
NotScoredNoQualifyingAccount	NotScoredNoQualifyingAccount
NotScoredNoRecentAccountInformation	NotScoredNoRecentAccountInformation
NotScoredRequirementsNotMet	NotScoredRequirementsNotMet
NotScoredSubjectDeceased	NotScoredSubjectDeceased
ScoringNotAvailable	ScoringNotAvailable
UnauthorizedScoreRequest	UnauthorizedScoreRequest

Value	Value Description
ImmaterialDisputedAccount	ImmaterialDisputedAccount
InsufficientCreditHistory	InsufficientCreditHistory
NonPredictiveScore	NonPredictiveScore
Other	Other
SignificantErrorsScore	SignificantErrorsScore
Unscorable	Unscorable

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.