Credit Reporting Agency Summary Fields

When you click the View credit report summary link in the CRA Report and Summary pane of the Application page, the CRA Summary page is displayed. This section describes the fields that appear on that page.

Credit Reporting Agency Summary Page Field Descriptions
Name	Description
Months Most Recent Derogatory	The number of elapsed months between the date the credit report was obtained and the month in which the most recent trade line derogatory (90 day or greater), derogatory public record, or collection was reported to the bureau. Disputed non-collection trade lines are excluded. Other values include: I – No usable trade lines/no other items N – No trade lines/no other items T – No derogatory ratings U – Undateable derogatory ratings X – No record found Blank – No report obtained
First Online CRA Score	The first credit bureau score returned by the CRA. Range: -99999 to 99999. Other values include: N – Score not provided X – No record found Blank – No record found, score not available from the CRA, or score not requested.
Months Since Earliest CRA Info	The amount of elapsed time that the applicant has reported credit activity with the CRA.
Second Online CRA Score	The second credit bureau score returned by the CRA. Range: -99999 to 99999. Other values include: N – Score not provided X – No record found Blank – No record found, score not available from the CRA, or score not requested.
Worst Rating Reported	The worst rating for the applicant, or in the case of a joint inquiry, the worst rating for the applicant or co-applicant for trade lines reported in the last 24 months. For a list of the ratings, see CRA Worst Rating Last 24 Months.
Months Most Recent Delinquency	Number of elapsed (whole) months between the date the credit report was obtained and the month in which the most recent trade line delinquency (30 days or greater) was reported to the bureau. Disputed trade lines are excluded. Other values include: N – No trade lines I – No delinquent trade lines T – No delinquent trade lines U – Undateable delinquent trade lines X – No record found Blank – No report obtained
Months Since Recent Inquiry	Number of elapsed months between the date the credit report was obtained and the date of the inquiry. Format is yymm, where yy is the number of years and mm is the number of months. Range: yy = 00 to 99; mm = 00 to 11. Example: Fourteen months is represented as 0102. Other values include: N – No inquiries D – No usable date X – No record found Blank – No report obtained
Time Since Most Recent 60 Plus Delinquency Months	The number of elapsed months between the date the credit report was obtained and the month in which the most recent 60-day or greater trade line delinquency was reported to the CRA. Disputed trade lines are excluded. Range: 0 to 999, in whole months. Other values include: I – No usable trade lines N – No trade lines T – No 60+ delinquent trade lines U – Undateable 60+ delinquent trade lines X – No record found Blank – No report obtained
Months Since Finance Co Trade Line Open	The number of elapsed months between the date the credit report was obtained and the month in which the most recent finance company trade line was reported opened to the CRA. Other values include: N – No trade lines T – No finance company trade lines I – Finance company trade lines found but date opened not numeric X – No record found Blank – No report obtained
Bankruptcy Flag	Indicates whether a bankruptcy is present on the credit report. Other values include: N – No bankruptcy on CRA report Y – Bankruptcy on CRA report X – No record found Blank – No report obtained
Worst CRA Rating	Indicates the subject’s worst CRA rating. For a list of the ratings, see CRA Worst Ratings.
Debt Ratio	The debt ratio is calculated as (total monthly payments * 100) / total monthly income. Total monthly payments includes monthly payments from the CRA, as well as estimated loan payments, monthly housing payments, and the monthly payment adjustment value from the application. Other values include: N – No trade lines I – No usable trade lines with balance greater than zero reported in last 12 months Z – No income available from application or income is zero X – No record found Blank – No report obtained
Revolving Worst Rating	The worst revolving trade rating of the applicant, or in the case of a joint inquiry, the worst revolving trade rating for the applicant or co-applicant. For a list of worst revolving trade ratings, see CRA Revolving Worst Ratings.
Months Since Recent Inquiry Excl Last Seven	Number of elapsed months between the date the credit report was obtained and the date of the inquiry, excluding the last seven days. Other values include: N – No inquiries T – No usable inquiries X – No record Blank – No report obtained
CRA Total Monthly Payments	Sum (in whole dollars) of all active revolving trade line payment amounts. Disputed and/or unusual trade lines are excluded as well as mortgage loan trade payments. Other values include: X – No trade lines ever reported I – No trade lines reported (updated) last 12 months Blank – No report obtained
Months Since Oldest Revolving Open Opened	The number of elapsed months between the date the credit report was obtained and the month in which the oldest revolving or open account trade line was reported opened to the CRA. Other values include: N – No trade lines T – No revolving/open trade lines I – No usable revolving/open trade lines X – No record found Blank – No report obtained
Fraud Victim	A CRA-specific code indicating whether fraud victim is indicated in the consumer credit report. See the latest documentation from the CRA for the current codes and code values.
Total Revolving Balance	Total balance of all active revolving trade lines reported to the CRA (disputed and unusual revolving trade line balances excluded). Other values include: N – No trade lines ever reported I – No revolving trade lines reported (updated) last 12 months T – No usable revolving trade lines X – No record found Blank – No report obtained
Months Since Newest Trade Open	The number of elapsed months between the date the credit report was obtained and the month in which the most recent trade line was reported opened to the CRA.
Abnormal Report Indicator	Indicates the presence of an abnormal situation within this credit report. N – Normal report I – Irregular report S – Security attention report B – Irregular report with security attention E – Error response Blank – No report obtained
Fraud Alias	Indicates whether AKA (also known as) is present in the report.
Months Since Oldest Revolving Open Opened	The number of elapsed months between the date the credit report was obtained and the month in which the oldest revolving trade line was reported opened to the CRA. Other values include: N – No trade lines T – No revolving trade lines I – No usable revolving trade line X – No record found Blank – No report obtained
Most Recent Inquiry	The date of the most recent inquiry on file at the CRA (in YYMM format). Other values include: N – No inquiries D – No usable date X – No record found Blank – No report obtained
Max Delinquency	Maximum delinquency ever reported to the CRA on any trade line, except disputed trade lines. Values include: 02 – charge off, repossession, derogatory comment 03 – 120+ days delinquent 04 – 90 days delinquent 05 – 60 days delinquent 06 – 30 days delinquent 07 – Unknown delinquency 08 – Current and never delinquent (never 30+; not too new to rate) 09 – Too new to rate 10 – No trade lines I – No usable trade lines X – No record found Blank – No report obtained
Inquiry Count	The total number of inquires made in the last six months, excluding the last five days. Other values include: X – No record found Blank – No report obtained

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Credit Reporting Agency Summary Fields