2020-09-21-Prescreen Of One.yaml

openapi: 3.0.0
info:
  description: |
    # Introduction
      
      Equifax’s Prescreen of One is a sales tool that is intended to entice the consumer to take a step toward opening a credit or loan account. Lenders can make offers of credit or insurance, in real time, in person or over the phone.
      
    # Getting Started
    
    1. **<a href="/user/applications" target="_blank">Create</a>** an application
    
    2. **<a href="/user/applications" target="_blank">Subscribe</a>** to Prescreen of One API
    
    3. **<a href="/products/consumer-credit-report" target="_blank">Explore</a>** the Sandbox environment
    
    # Promoting to UAT
    
    To successfully submit test transactions through your application in the UAT environment, a test member number is required.  You may use your existing Equifax test member number(s).  Please contact your Equifax Account Representative if a new test member number is needed. The steps below can be used to test in the UAT environment.
    
    Transactions generated using a test member number do not return identical results as a sandbox transaction.  A sandbox transaction will reflect everything that is exposed in the API whereas a test member number is configured to align with the specifications of your contract. Please contact us to ensure your test member number is configured to your expectations.    
    
    1. **<a href="/user/applications" target="_blank">Promote</a>** application to test
    
    2. **<a href="/documentation" target="_blank">Update</a>** requests details for UAT
    
    3. **<a href="/documentation" target="_blank">Test</a>** scenarios in UAT environment
    
    
    # For More Details
    
      * **<a href="/contact" target="_blank">Contact Us</a>** - Equifax Developer Center Support Website
      * **ACRO Migration Support**
          * phone: 1-888-407-0359; Option 2 followed by Option 5  
          * email:  BT.Acro.tech@equifax.com
          
  version: 1.0.0
  title: Prescreen of One
  termsOfService: ''
servers:
  - description: SANDBOX URL
    url: 'https://api.sandbox.equifax.com/business/prescreen-of-one/v1/'
    
paths:
  /report-requests:
    post:
      tags:
        - Prescreen of One
      operationId: requestPrescreenOfOne
      security:
        - OAuth 2.0: ["scopes: https://api.equifax.com/business/prescreen-of-one/v1"]
      parameters:
        - in: header
          name: efx-client-correlation-id
          description: ID provided by client to uniquely track service request
          required: false
          schema:
            type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreditReportRequest'
            examples:
              request:
                $ref: '#/components/examples/CreditReportRequest'
      
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CreditReportResponse'
              examples:
                response:
                  $ref: '#/components/examples/CreditReportResponse' 
        
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIErrorResponse'
              examples:
                '400.01':
                  $ref: '#/components/examples/400.01'
                  
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIErrorResponse'
              examples:
                '401.03':
                  $ref: '#/components/examples/401.03'
                  
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIErrorResponse'
              examples:
                '403.01':
                  $ref: '#/components/examples/403.01'
                  
        '404':
          description: Not Found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIErrorResponse'
              examples:
                '404.01':
                  $ref: '#/components/examples/404.01'
                  
        '415':
          description: Unsupported Media Type
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIErrorResponse'
              examples:
                '415.01':
                  $ref: '#/components/examples/415.01'
                  
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIErrorResponse'
              examples:
                '500.01':
                  $ref: '#/components/examples/500.01'
                
        '501':
          description: Not-implemented
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIErrorResponse'
              examples:
                '501.01':
                  $ref: '#/components/examples/501.01'
                  
        '503':
          description: Service Unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIErrorResponse'
              examples:
                '503.01':
                  $ref: '#/components/examples/503.01'
                  
        '504':
          description: Gateway timeout
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIErrorResponse'
              examples:
                '504.01':
                  $ref: '#/components/examples/504.01'
      
components:
  securitySchemes:
    OAuth 2.0:
      type: http
      scheme: bearer
      
  schemas:
    FullDate:
      type: string
      format: date
      description: Date in format MMDDYYYY where MM is the Month, DD is the day of the month and YYYY is the year
      minLength: 0
      maxLength: 8
      example: "MMDDYYYY"
      
    PartialDate:
      type: string
      description: Date in format MMYYYY where MM is the Month and YYYY is the year
      maxLength: 6
      example: "MMYYYY"
      
    TelephoneNumber: 
      type: string
      maxLength: 10
      description: Telephone number including a valid area code
      
    CreditorClassificationCode:
      type: object
      minItems: 0
      maxItems: 2
      description: > 
        A general type of business for the original creditor and is only applicable for trades reported by Debt Buyers
      properties:
        code: 
          type: string
          description: Code value
          
        description:
          type: string
          description: >
            Business type of original creditor
              - 01: RETAIL
              - 02: MEDICAL/HEALTH CARE
              - 03: OIL COMPANY
              - 04: GOVERNMENT
              - 05: PERSONAL SERVICES
              - 06: INSURANCE
              - 07: EDUCATIONAL
              - 08: BANKING
              - 09: RENTAL/LEASING
              - 10: UTILITIES
              - 11: CABLE/CELLULAR
              - 12: FINANCIAL
              - 13: CREDIT UNION
              - 14: AUTOMOTIVE
              - 15: CHECK GUARANTEE
              
    FraudVerificationWarningCodes:
      type: array
      minItems: 0
      maxItems: 4
      items: 
        type: object
        properties:
          code: 
            type: string
            maxLength: 3
            description: >
              Warning codes and descriptions:
                - 801: Important Application Data Missing
                - 802: The input SSN is reported as deceased
                - 803: The input SSN was issued prior to the input Date of Birth
                - 804: The input Last Name and SSN are verified, but not with the input Address and Phone
                - 805: The input bill-to and ship-to addresses are geographically distant
                - 806: The input SSN is invalid
                - 807: The input phone number may be disconnected
                - 808: The input phone number is potentially invalid
                - 809: The input phone number is a pager number
                - 810: The input phone number is a mobile number
                - 811: The input address may be invalid according to postal specifications
                - 812: The input zip code belongs to a post office box
                - 813: The input address has an invalid apartment designation
                - 814: The input address is a transient commercial or institutional address
                - 815: The input phone number matches a transient commercial or institutional address
                - 816: The input phone number and input zip code combination is invalid
                - 817: The input bill-to and ship-to phone numbers are geographically distant
                - 818: Unused - Future Use
                - 819: Unable to verify name, address, SSN/TIN and phone
                - 820: Unable to verify applicant name, address and phone number
                - 821: Unable to verify applicant name and phone number
                - 822: Unable to verify applicant name and address
                - 823: Unable to verify applicant name and SSN
                - 824: Unable to verify applicant address and SSN
                - 825: Unable to verify applicant address
                - 826: Unable to verify SSN / TIN
                - 827: Unable to verify applicant phone number
                - 828: Unable to verify applicant date-of-birth
                - 829: The input SSN/TIN may have been miskeyed
                - 830: The input address may have been miskeyed
                - 831: The input phone number may have been miskeyed
                - 832: The input name matches the OFAC file
                - 834: Incomplete verification
                - 835: Insufficient verification to return a score under CA law
                - 836: Identity elements not fully verified on all available sources
                - 837: Unable to verify applicant name
                - 838: The input SSN is associated with multiple last names
                - 839: The input SSN is recently issued
                - 840: The input zip code is a corporate-only, military zip code
                - 841: The input driver’s license number is invalid for the input DL State
                - 842: The input SSN matches the bankruptcy file
                - 843: The input name and address match the bankruptcy file
                - 844: The input phone area code is changing
                - 845: The input SSN and address are not associated with the input last name and phone
                - 847: The input phone is associated with a different business name or address
                - 848: Unable to verify first name
                - 849: The input phone and address are geographically distant (>10 miles)
                - 850: The input address matches a prison address
                - 851: The input last name is not associated with the input SSN
                - 852: The input first name is not associated with input SSN
                - 853: The input home phone and work phone are geographically distant (>100 miles)
                - 855: The input work phone is potentially invalid
                - 856: The input work phone is potentially disconnected
                - 857: The input work phone is a mobile number
                - 864: The input address returns a different phone number
                - 866: The input SSN is associated with a different last name, same first name
                - 871: The input SSN is not found in the public record
                - 872: The input SSN is associated with a different name and address
                - 873: The input phone number is not found in the public record
                - 874: The input phone number is associated with a different name and address
                - 875: The input name and address are associated with an unlisted/non-published phone number
                - 876: The input name may have been miskeyed
                - 877: The input name was missing
                - 878: The input address was missing
                - 879: The input SSN/TIN was missing or incomplete
                - 880: The input phone was missing or incomplete
                - 881: The input date-of-birth was missing or incomplete
                - 882: The input name and address return a different phone number
                - 883: The input date-of-birth may have been miskeyed
                - 885: The input SSN was issued to a non-US citizen
                - 889: The input SSN was issued within the last three years
                - 890: The input SSN was issued after age five (post-1990)
                - 891: Security Freeze (CRA corrections database)
                - 892: Security Alert (CRA corrections database)
                - 893: Identity Theft Alert (CRA corrections database)
                - 894: Dispute On File (CRA corrections database)
                - 895: Unused – For Future Use
                - 896: Corrections Database Information Utilized (CRA corrections database)
                - 897: Criminal record found
                - 898: Lien / Judgment record found
                - 899: The input address is verified but may not be primary residence
                - 89A: No evidence of property ownership
                - 89B: Evidence of historical property ownership but no current record
                - 89C: Length of residence
                - 89D: Change of address frequency
                - 89E: Number of sources confirming identity and current address
                - 89F: Date of confirming source update
                - 89G: Insufficient Age
                - 8IA: The input IP address is unknown
                - 89H: Evidence of sub-price credit services solicited
                - 89I: No evidence of post-secondary education
                - 89J: Age of oldest public record on file
                - 8EV: Eviction record found
                - 8MI: Multiple identities associated with the input SSN
                - 8MN: The input SSN was issued within the last seventeen years
                - 8MS: Multiple SSNs reported with applicant
                - 8PV: Insufficient property value
                - 89K: Address dwelling type
                - 89L: Distance between the current and previous address
                - 89M: Insufficient evidence of wealth
                - 89N: Correctional institution in address history
                - 89O: No evidence of phone service at address
                - 89P: Number of consumer finance inquiries
                - 89Q: Number of inquiries in the last 12 months
                - 89R: Length of time on sources confirming identity
                - 89S: Type of mortgage
                - 89T: Input phone is invalid, non-residential, or disconnected
                - 89U: Input address is invalid, non-residential, or undeliverable
                - 89V: Input SSN is invalid, recently issued, or inconsistent with date of birth
                - 89W: Bankruptcy record on file
                - 89X: Insufficient information on file
                - 89Y: Insufficient purchase activity reported
          
          description:
            type: string
            description: Description for the given code
      description: Fraud Verification Warning codes
        
      
    NarrativeCodes:
      type: array
      minItems: 0
      maxItems: 2
      items: 
        type: object
        properties:
          code: 
            type: string
            description: Code value
          
          description:
            type: string
            description: > 
              Narrative codes and descriptions:
                - AA: CONSUMER SAYS MERCHANDISE OR SERVICE UNSATISFACTORY
                - AB: CONSUMER SAYS ACCOUNT PAID/BEING PAID BY INSURANCE
                - AC: CONSUMER SAYS ACCT IS RESPONSIBILITY OF SEPARATED OR DIVORCED SPOUSE
                - AE: CONSUMER SAYS ACCT. INVOLVED IN BUSINESS VENTURE HELD PERSONALLY LIAB
                - AF: CONSUMER SAYS ACCOUNT INVOLVES LEASE AGREEMENT DISPUTE
                - AG: CONSUMER DISPUTES ACCOUNT - LITIGATION PENDING
                - AH: CONSUMER SAYS ACCOUNT SLOW DUE TO BILLING DISPUTE WITH CREDITOR
                - AI: CONSUMER SAYS ACCOUNT SLOW DUE TO EMPLOYMENT ISSUES
                - AJ: CONSUMER SAYS ACCOUNT SLOW DUE TO MEDICAL EXPENSES/ILLNESS
                - AL: CONSUMER SAYS WARRANTY DISPUTE
                - AM: VOLUNTARY SURRENDER; THERE MAY BE A BALANCE DUE
                - AN: INVOLUNTARY REPOSSESSION
                - AO: AUTO
                - AP: COMMERCIAL ACCOUNT
                - AQ: HOUSEHOLD GOODS
                - AR: HOME LOAN
                - AS: HOME IMPROVEMENT LOAN
                - AT: CHECKING ACCOUNT LOAN PLAN
                - AU: PERSONAL LOAN
                - AV: CHARGE
                - AW: SECURED BY HOUSEHOLD GOODS
                - AX: PAID BY DEALER
                - AY: VOLUNTARILY SURRENDERED – THEN REDEEMED OR REINSTATED
                - AZ: AMOUNT IN H/C COLUMN IS CREDIT LIMIT
                - BB: CONSUMER DISPUTES THIS ACCOUNT INFORMATION
                - BC: ACCOUNT TRANSFERRED OR SOLD
                - BD: PAID - CREDIT LINE CLOSED
                - BE: CREDIT LINE CLOSED
                - BG: CLAIM FILED WITH GOVERNMENT
                - BH: DISPUTE - RESOLUTION PENDING
                - BK: REDEEMED OR REINSTATED REPOSSESSION
                - BL: CONSUMER SAYS ACCOUNT SLOW DUE TO DOMESTIC PROBLEMS
                - BM: CONSUMER SAYS PAID ON NOTIFICATION - NO PRIOR KNOWLEDGE OF BALANCE DUE
                - BN: CONSUMER SAYS CO-SIGNED ACCOUNT - NOT AWARE OF DELINQUENCY
                - BO: CONSUMER SAYS NO STATEMENT RECEIVED DUE TO ADDRESS CHANGE
                - BP: CONSUMER SAYS THIS ACCOUNT SPOUSE’S RESPONSIBILITY
                - BQ: PAID CHARGE OFF
                - BR: FORECLOSURE PROCESS STARTED
                - BS: PAID OR BEING PAID BY GOVERNMENT GUARANTOR
                - BT: LEASE
                - BU: STUDENT LOAN
                - BV: CONSUMER DISPUTE FOLLOWING RESOLUTION
                - BW: INCLUDED IN BANKRUPTCY
                - BX: PAYMENTS MANAGED BY FINANCIAL COUNSELING PROGRAM
                - BY: COLLECTION AGENCY ACCOUNT - STATUS UNKNOWN
                - BZ: ACCOUNT PAID FOR LESS THAN FULL BALANCE
                - CA: CHARGE OFF - MAKING PAYMENTS
                - CB: CHARGED OFF - CHECK PRESENTED WAS UNCOLLECTIBLE
                - CD: CUSTOMER HAS NOW LOCATED CONSUMER
                - CE: REFINANCED
                - CF: CLOSED ACCOUNT
                - CG: ACCOUNT CLOSED - REASON UNKNOWN
                - CH: ACCOUNT PAID AFTER FORECLOSURE STARTED
                - CI: INSURANCE CLAIM PENDING
                - CJ: CUSTOMER UNABLE TO LOCATE CONSUMER
                - CK: DEBIT CARD
                - CL: PAID OR BEING PAID BY CO-SIGNER OR GUARANTOR
                - CM: ACCOUNT ASSUMED BY ANOTHER PARTY
                - CN: PAYING UNDER A PARTIAL PAYMENT AGREEMENT
                - CP: CONSUMER SAYS PERSONAL BANKRUPTCY FILED DUE TO BUSINESS FAILURE
                - CQ: PLTFF VERIFIED JUDGMENT PAID/SATISFACTION NOT RECORDED WITH COURT
                - CS: SECURED CREDIT LINE
                - CT: VOLUNTARY
                - CU: INVOLUNTARY
                - CV: LINE OF CREDIT
                - CW: ACCOUNT CLOSED BY CREDIT GRANTOR
                - CX: PAYMENT IS PAYROLL DEDUCTIBLE
                - CY: ACCOUNT CHARGED TO PROFIT AND LOSS
                - CZ: COLLECTION ACCOUNT
                - DA: ACCOUNT CLOSED BY CONSUMER
                - DB: CHARGED OFF ACCOUNT
                - DC: CONSUMER SAYS ACCOUNT NOT PAID PROMPTLY - INSURANCE CLAIM DELAYED
                - DD: BALANCE IS DEFICIENCY AMOUNT
                - DE: CONSUMER SAYS ACCOUNT PAID IN FULL
                - DG: TITLE 1 LOAN
                - DH: BALANCE NOT PAID BY INSURANCE
                - DI: BALANCE PAID OR BEING PAID BY INSURANCE COMPANY
                - DJ: FORECLOSURE
                - DK: PAID OR BEING PAID BY GARNISHMENT
                - DL: CONSUMER RECALLED TO ACTIVE MILITARY DUTY
                - DM: FORFEIT OF DEED IN LIEU OF FORECLOSURE
                - DN: BROKEN LEASE AGREEMENT
                - DO: BANKRUPTCY CHAPTER 13
                - DP: CONVERSION LOSS PAID BY INSURANCE
                - DQ: STUDENT LOAN - PAYMENT DEFERRED
                - DS: SINGLE PAYMENT LOAN
                - DT: AMORTIZED MORTGAGE
                - DU: SHERIFF SALE
                - DV: AMOUNT IN HIGH CREDIT INCLUDES FINANCE CHARGE
                - DW: RETURN MAIL
                - DX: BALANCE OWING - AMOUNT NOT REPORTED
                - EA: PAID OR MAKING PAYMENTS - NOT ACCORDING TO TERMS OF AGREEMENT
                - EB: LEASE - EARLY TERMINATION BY DEFAULT
                - EC: HOME EQUITY
                - ED: MAKING PAYMENT - FORECLOSURE WAS INITIATED
                - EE: SECURED
                - EF: REAL ESTATE MORTGAGE
                - EG: GUARANTEED STUDENT LOAN
                - EH: NATIONAL DIRECT STUDENT LOAN
                - EI: CONSUMER DISPUTES ACCOUNT - LITIGATION FILED BY CREDITOR PENDING
                - EJ: CONSUMER DISPUTES ACCOUNT - LITIGATION FILED BY CONSUMER PENDING
                - EK: CHILD/FAMILY SUPPORT OBLIGATION
                - EL: DEFENDANT VERIFIED ITEM PD/SATISFACTION NOT RECORDED WITH COURT
                - EM: VOLUNTARY RETURN OF PURCHASE
                - EP: FIXED RATE
                - EQ: VARIABLE/ADJUSTABLE RATE
                - ER: PAID COLLECTION
                - ES: CHARGED BACK TO DEALER
                - ET: PAID REPOSSESSION
                - EU: SEE CONSUMER STATEMENT
                - EV: BANKRUPTCY CHAPTER 11
                - EX: UNSECURED
                - EY: BUSINESS ACCOUNT - PERSONAL GUARANTEE
                - EZ: HAS CO-SIGNER
                - FA: CLOSED OR PAID ACCOUNT/ZERO BALANCE
                - FB: INCLUDED IN ORDERLY PAYMENT DEBT
                - FC: CREDIT LINE SUSPENDED
                - FD: DEFAULTED STUDENT LOAN
                - FE: CREDIT CARD
                - FF: CONSUMER SAYS ACCOUNT NOT HIS/HERS
                - FG: CONSUMER SAYS ACCOUNT NEVER LATE
                - FH: CONSUMER SAYS THIS PUBLIC RECORD NOT HIS/HERS
                - FL: CONSUMER SAYS THIS PUBLIC RECORD FILED IN ERROR
                - FM: CONSUMER SAYS THIS PUBLIC RECORD ITEM SATISFIED OR RELEASED
                - FO: CONSUMER SAYS BANKRUPTCY DISCHARGED
                - FP: CONSUMER SAYS BANKRUPTCY DISMISSED
                - FQ: CONSUMER SAYS CURRENT RATE/STATUS INCORRECT
                - FR: MAKING PAYMENTS
                - FS: ANNUAL PAYMENT
                - FU: CHARGED OFF CHECKING ACCOUNT
                - FV: PLTFF VERIFIED LIEN PD/RELEASE NOT RECORDED WITH COURT
                - FW: CONSUMER DISPUTES – REINVESTIGATION IN PROGRESS
                - FX: ACCOUNT LISTED AS PUBLIC RECORD
                - FZ: ACCOUNT REINSTATED WITH LENDER
                - GA: PAID BY COLLATERAL
                - GB: ACCOUNT BEING PAID THROUGH WEP
                - GC: ACCOUNT BEING PAID THROUGH FINANCIAL COUNSELING PLAN
                - GD: ACCOUNT PAID THROUGH FINANCIAL COUNSELING PLAN
                - GE: CONSUMER DISPUTES THIS ITEM
                - GF: REAFFIRMATION OF DEBT
                - GH: PLAINTIFF/COUNSEL VERIFIED JUDGEMENT PAID
                - GI: UTILITY
                - GJ: STUDENT LOAN ASSIGNED TO GOVERNMENT
                - GK: AFFECTED BY NATURAL DISASTER
                - GL: FIRST PAYMENT NEVER RECEIVED
                - GM: ACCOUNT ACQUIRED BY FDIC/NCUA
                - GN: GOVERNMENT DEBT
                - GO: DEBT CONSOLIDATION
                - GP: MANUFACTURED HOUSING
                - GQ: RECREATIONAL MERCHANDISE
                - GR: SECURED CREDIT CARD
                - GS: MEDICAL
                - HF: ACCOUNT CLOSED BY CONSUMER
                - HL: 100% PAYMENT TO CREDITORS FILING CLAIMS
                - HO: RETURNED CHECK
                - HP: FHA MORTGAGE
                - HQ: VA MORTGAGE
                - HR: CONVENTIONAL MORTGAGE
                - HS: SECOND MORTGAGE
                - HT: AGRICULTURAL
                - HU: COMMERCIAL MORTGAGE-INDIVIDUAL LIABLE, COMPANY IS GUARANTOR
                - HV: DEPOSIT RELATED
                - HW: CHILD/FAMILY SUPPORT
                - HX: TRANSFERRED TO RECOVERY
                - IB: LEASE - FULL TERMINATION
                - IC: LEASE - EARLY TERMINATION
                - ID: STATUS PENDING
                - IE: FANNIE MAE ACCOUNT
                - IF: FREDDIE MAC ACCOUNT
                - IG: PREPAID LEASE
                - IH: CONSUMER PAYS BALANCE IN FULL EACH MONTH
                - II: PRINCIPAL DEFERRED/INTEREST PAYMENT ONLY
                - IJ: PAYMENT DEFERRED
                - IK: BANKRUPTCY VOLUNTARILY WITHDRAWN
                - IL: BANKRUPTCY CHAPTER 7
                - IM: BANKRUPTCY CHAPTER 12
                - IN: REAFFIRMATION OF DEBT RESCINDED
                - IP: CONSUMER DISPUTES THIS ACCOUNT INFORMATION
                - IQ: CONSUMER DISPUTES AFTER RESOLUTION
                - IR: ACCOUNT CLOSED AT CONSUMER’S REQUEST
                - IT: ACCOUNT ACQUIRED FROM ANOTHER LENDER
                - IZ: AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT
                - JA: ELECTION OF REMEDY
                - JD: CONSUMER DECEASED
                - JE: ADJUSTMENT PENDING
                - JF: INACTIVE ACCOUNT
                - JG: DOLLAR AMOUNT IN EXCESS OF $1 BILLION
                - JH: PERSONAL RECEIVERSHIP – REPAYMENT MANAGED BY COURT TRUSTEE
                - JI: GUARANTEED/INSURED
                - JJ: TIME SHARE LOAN
                - JK: 120 DAYS PAST DUE
                - JL: 150 DAYS PAST DUE
                - JM: 180 DAYS OR MORE PAST DUE
                - JN: PARTIALLY SECURED
                - JO: NOTE LOAN
                - JP: RENTAL AGREEMENT
                - JQ: AUTO LEASE
                - JR: TELECOMMUNICATIONS/CELLULAR
                - JS: UNSECURED GOVERNMENT LOAN
                - JT: SECURED GOVERNMENT LOAN
                - JU: HOME EQUITY LINE OF CREDIT
                - JV: ATTORNEY FEES
                - JW: CONSTRUCTION LOAN
                - JX: FLEXIBLE SPENDING CREDIT CARD
                - JY: COMBINED CREDIT PLAN
                - JZ: DEBT BUYER ACCOUNT
                - KA: INSTALLMENT SALES CONTRACT
                - KB: BANKRUPTCY PETITION
                - KC: BANKRUPTCY DISCHARGED
                - KD: BANKRUPTCY COMPLETED
                - KE: LEASE ASSUMPTION
                - KF: ACCOUNT PREVIOUSLY IN DISPUTE – NOW RESOLVED BY DATA FURNISHER
                - KG: CHAPTER 7 BANKRUPTCY DISMISSED
                - KH: CHAPTER 11 BANKRUPTCY DISMISSED
                - KI: CHAPTER 12 BANKRUPTCY DISMISSED
                - KJ: CHAPTER 13 BANKRUPTCY DISMISSED
                - KK: CHAPTER 7 BANKRUPTCY WITHDRAWN
                - KL: CHAPTER 11 BANKRUPTCY WITHDRAWN
                - KM: CHAPTER 12 BANKRUPTCY WITHDRAWN
                - KN: CHAPTER 13 BANKRUPTCY WITHDRAWN
                - KO: BANKRUPCTY – UNDESIGNATED CHAPTER
                - KP: ACCOUNT CLOSED DUE TO INACTIVITY
                - KQ: CREDIT LINE NO LONGER AVAILABLE - IN REPAYMENT PHASE
                - KR: CREDIT LINE REDUCED DUE TO COLLATERAL DEPRECIATION
                - KS: CREDIT LINE SUSPENDED DUE TO COLLATERAL DEPRECIATION
                - KT: COLLATERAL RELEASED BY CREDITOR/BALANCE OWING
                - KU: LOAN MODIFIED UNDER A FEDERAL GOVERNMENT PLAN
                - KV: LOAN MODIFIED
                - KW: ACCOUNT IN FORBEARANCE
                - KZ: ACCOUNT PAID IN FULL; WAS A VOLUNTARY SURRENDER
                - LB: HOMEOWNERS ASSOCIATION (HOA)

    AlertContactAddress:
      type: object
      description: Contact's address information
      properties: 
        addressLine1: 
          type: string
          maxLength: 50
          description: House number, street name & street type
        
        addressLine2: 
          type: string
          maxLength: 25
          description: Apartment, condo, suite, or unit number

        cityName: 
          type: string
          maxLength: 20
          description: City name
        
        stateAbbreviation: 
          type: string
          maxLength: 2
          description: State name's abbreviation
        
        zipCode: 
          type: string
          maxLength: 9
          description: Zip code
        
        countryCode: 
          type: string
          maxLength: 3
          description: Country code
          

      
    AddressRequest:
      type: object
      required: 
        - identifier
        - city
        - state
      properties:
        identifier:
          type: string
          example: ["Current", "Co-applicant", "Property address"]
          description: Address type of the report subject
        houseNumber:
          type: string
          maxLength: 10
          description: House number
        quadrant: 
          type: string
          maxLength: 2
          description: Quadrant
        streetName:
          type: string
          maxLength: 26
          description: Street name
        streetType:
          type: string
          maxLength: 2
          description: Street type
          example: ["AV", "ST"]
        apartmentNumber:
          type: string
          maxLength: 5
          description: Apartment/Condo/Unit number
        city:
          type: string
          maxLength: 20
          description: City name
        state:
          type: string
          maxLength: 2
          description: State abbreviation
        zip:
          type: string
          maxLength: 9
          description: Zip code
        
    Address:
      type: object
      description: Subject's address(es) information
      properties:
        addressType:
          type: string
          maxLength: 2
          enum: 
            - "current"
            - "former"
            - "additional"
          description: >
            The address type:
              - current: Current Address. A maximum of 1 current Address can be returned per report
              - former: Former Address. A maximum of 1 former Address can be returned per report
              - additional: Additional Address. A maximum of 8 additional Addresses can be returned per report
        houseNumber:
          type: string
          description: Street Number/House number
          maxLength: 10
        streetName:
          type: string
          maxLength: 26
          description: Street name
        streetType:
          type: string
          description: Street type/Direction/Apartment number
          maxLength: 26
        cityName:
          type: string
          maxLength: 20
          description: City name
        stateAbbreviation:
          type: string
          maxLength: 2
          description: State abbreviation
        zipCode:
          type: string
          maxLength: 9
          description: Zip code
        rentOwnBuy: 
          type: string
          maxLength: 1
          description: Rent/Own/Buy
        sourceOfAddress:
          type: object
          description: The source of address data
          properties:
            code:
              type: string
              maxLength: 1
              description: Code value
            description:
              type: string
              description: >
                Sources of address:
                  - C: EQUIFAX
                  - D: OTH/Sys-Sys
                  - T: AUT
          
        telephoneNumber: 
          $ref: '#/components/schemas/TelephoneNumber'
        sourceOfTelephoneNumber:
          type: object
          description: Source of Telephone data
          properties:
            code:
              type: string
              maxLength: 1
              description: Code value
            description:
              type: string        
              description: >
                Sources of telephone number:
                  - 1: Special Vendor
                    
                  - 2: Equifax
                    
                  - 3: OTH/Sys-Sys
                    
                  - 4: Automated Update Indicator
          
        addressVarianceIndicator:
          type: object
          description: >
            The Address Variance Indicator will alert you to the differences between the address submitted current and other addresses displayed on the consumer report.The Address Variance Indicator will return a code, for each address displayed on the report, informing you of the degree to which the first address submitted in the inquiry matched the address on the Equifax database.
            Address Variance Indicator is an optional feature offered by Equifax. 
            Please contact your Equifax Sales Associate for additional information and activation.
          properties:
            code:
              type: string
              maxLength: 1
              description: Code value
            description:
              type: string        

        addressLine1:
          type: string
          maxLength: 62
          description: Combination of address components
        dateFirstReported:
          description: First date the address was reported to Equifax
          allOf:
            - $ref: '#/components/schemas/FullDate'
        dateLastReported:
          description: Last date the address was reported to Equifax
          allOf:
            - $ref: '#/components/schemas/FullDate'
        dateTelephoneReported: 
          description: Date the telephone number was reported to Equifax
          allOf:
            - $ref: '#/components/schemas/FullDate'
          
    APIErrorResponse:
      type: object
      required:
        - efxErrorCode
        - description
      properties:
        efxErrorCode:
          type: number
          description: Error code
        description:
          type: string
        additionalErrorDetails:
          $ref: '#/components/schemas/AdditionalErrorDetails'
    AdditionalErrorDetails:
      type: object
      required:
        - status
        - timestamp
      description: Additional error details
      properties:
        status:
          type: number
          description: HTTP status code
        errors:
          $ref: '#/components/schemas/ErrorResponse'
        code:
          type: number
          description: Internal code to identify the error
        message:
          type: string
          description: Short error message
        timeStamp:
          type: string
          description: Date and time when the error occurred
    
    ErrorResponse:
      type: array
      items: 
        type: object
        required:
          - code
          - errorType
        description: >
          
        properties: 
          code: 
            type: string
            description: >
              Error code types\:
              
              
              CERR: Code Error Message Response 
              
              
              NARRATIVE CODES:
                - 001: CUSTOMER NUMBER/SECURITY CODE INVALID (DIAL)
                - 002: TELEPROCESSING TYPE CODE INVALID
                - 003: CUSTOMER CODE INVALID
                - 004: INPUT FORMAT CODE INVALID
                - 005: OUTPUT FORMAT CODE INVALID
                - 006: NUMBER OF MONTHS TO COUNT INQUIRIES INVALID (DIAL)
                - 007: NUMBER OF MONTHS TO COUNT MAXIMUM DELINQUENCIES INV. (DIAL)
                - 008: INPUT FORMAT INVALID
                - 009: ADDITIONAL INPUT INVALID UNTIL DIAL COMPLETE
                - 010: CUSTOMER NUMBER INVALID/DTEC ONLY (DIAL)
                - 015: ACCOUNT SUSPENDED DUE TO NON-PAYMENT. CALL 800-685-6000 FOR RESOLUTION
                - 00A: MULTIPLE CODE INVALID
                - 00B: INPUT FORMAT INVALID
                - 00C: FILE SELECTION CODE INVALID
                - 00D: DIAL LINE DOES NOT END WITH A PERIOD
                - 00E: INVALID PLAIN/TRADITIONAL LANGUAGE REQUEST CODE - FIXED INPUT
                - 00F: INDUSTRY CODE INVALID FOR ACCESS CODE (DIAL-ACIS)
              
              
              REQUEST CODES:
                - 021: SEGMENT COUNT NOT EQUAL TO SEGMENTS IN
                - 026: CUSTOMER NUMBER/SECURITY CODE INVALID (IDNT)
                - 027: SEGMENT COUNT NON-NUMERIC
                - 028: ECOA INQUIRY TYPE INVALID
                - 029: TYPE OF PROCESSING CODE INVALID
                - 032: INDUSTRY CODE INVALID FOR ACCESS CODE (IDNT-ACIS)
                - 033: CUSTOMER NUMBER INVALID/DTEC ONLY (IDNT)
                - 034: INVALID OPTIONAL FEATURE CODE
                - 02A: NUMBER OF MONTHS TO COUNT INQUIRIES INVALID (IDNT)
                - 02B: NUMBER OF MONTHS TO COUNT MAXIMUM DELINQ. INV. IDNT
                - 02C: INVALID SEGMENT IDENTIFIER
                - 02D: MINNESOTA FILES ARE BLOCKED
                - 02E: CHARACTER NOT IN STANDARD CHARACTER SET
                - 02F: INCOMPLETE IDNT SEGMENT
                - 03A: IMPROPER DELIMITER ON ACRO INQUIRY
                - 03B: CUSTOMER NUMBER IS EQUAL TO ‘IG’, ‘IL’ ‘IZ’ AND ‘ZB’ AND A PERMISSIBLE PURPOSE CODE IS NOT PRESENT
                - 03C: REQUIRED FIELD IS MISSING ON “EU” SEGMENT
                - 03D: MORE THAN ONE “EU” SEGMENT IS PRESENT ON IDNT
                - 03E: CUSTOMER NUMBER IS NOT EQUAL TO A “ZB” AND “EU” IS PRESENT
                - 03F: VERMONT FILES BLOCKED - CONTACT 1-800-685-5000 FOR REQUIRED CERTIFICATION
                - 0E0: \*\*END USER NOT IDENTIFIED – CONTACT 1-800-685-5000 FOR INFORMATION\*\*
                - 0EF: PERMISSIBLE PURPOSE CODE IS REQUIRED FOR THIS PRODUCT
                - 0F1: PRODUCT NOT AVAILABLE TO INSURANCE INDUSTRY
              
              
              The following refers to the first 42 bytes of the record:
                - 101: INVALID CUSTOMER NUMBER
                - 102: INVALID TELEPROCESSING TYPE
                - 103: INVALID COMPANY CODE
                - 104: INVALID INPUT/OUTPUT CODE
                - 105: ACCOUNT SUSPENDED DUE TO NON-PAYMENT. CALL 800-685-6000 FOR RESOLUTION
                - 1F1: LINE ONE DUPLICATE LINES
                - 1F2: LINE ONE UNACCEPTABLE FOREIGN BUREAU LINE
                - 1F3: LINE ONE INVALID LINE MNEMONIC
                - 1F4: LINE ONE LONGER THAN 80 BYTES
              
              
              Error codes used in the segment’s name portion:
                - 201: INVALID LAST NAME
                - 202: INVALID FIRST NAME
                - 203: INVALID MIDDLE NAME
                - 204: INVALID SUFFIX
                - 205: INVALID SPOUSE NAME
                - 2F1: LINE TWO DUPLICATE LINES
                - 2F2: LINE TWO UNACCEPTABLE FOREIGN BUREAU LINE
                - 2F3: LINE TWO INVALID LINE MNEMONIC
                - 2F4: LINE TWO LONGER THAN 80 BYTES
              
              
              Inquiry Search Information Error Codes:
                - 031: INVALID PHONE NUMBER
                - 401: INVALID SUBJECT SOCIAL SECURITY NUMBER
                - 403: INVALID SUBJECT AGE
                - 404: INVALID SUBJECT SEX
                - 405: INVALID SPOUSE BIRTH DATE
                - 406: INVALID SPOUSE SOCIAL SECURITY NUMBER
                - 407: INVALID NUMBER OF DEPENDENTS
                - 408: INVALID MARITAL STATUS
                - 4F1: LINE FOUR DUPLICATE LINES
                - 4F2: LINE FOUR UNACCEPTABLE FOREIGN BUREAU LINE
                - 4F3: LINE FOUR INVALID LINE MNEMONIC
                - 4F4: LINE FOUR LONGER THAN 80 BYTES
                - 022: MAXIMUM NUMBER OF “AD” SEGMENTS EXCEEDED
                - 025: AD SEGMENT DOES NOT FOLLOW IDNT SEGMENT    
              
              
              The codes to follow refer to the first AD Segment:
                - 301: INVALID STREET NUMBER
                - 302: INVALID STREET NAME
                - 303: INVALID STREET TYPE
                - 304: INVALID CITY NAME
                - 305: INVALID STATE CODE
                - 306: INVALID ZIP CODE
                - 307: INVALID FILE SINCE
                - 308: INVALID R-O-B CODE
                - 3F1: LINE THREE DUPLICATE LINES
                - 3F2: LINE THREE UNACCEPTABLE FOREIGN BUREAU LINE
                - 3F3: LINE THREE INVALID LINE MNEMONIC
                - 3F4: LINE THREE LONGER THAN 80 BYTES
              
              
              These next codes refer to the second AD Segment:
                - 501: INVALID FORMER ADDRESS STREET NUMBER
                - 503: INVALID FORMER ADDRESS STREET TYPE
                - 504: INVALID FORMER ADDRESS CITY NAME
                - 505: INVALID FORMER ADDRESS STATE CODE
                - 506: INVALID FORMER ADDRESS ZIP CODE
                - 507: INVALID FORMER ADDRESS DATE SINCE
                - 508: INVALID FORMER ADDRESS R-O-B CODE
                - 5F1: LINE FIVE DUPLICATE LINES
                - 5F2: LINE FIVE UNACCEPTABLE FOREIGN BUREAU LINE
                - 5F3: LINE FIVE INVALID LINE MNEMONIC
                - 5F4: LINE FIVE LONGER THAN 80 BYTES
                - 6F1: LINE SIX DUPLICATE LINES
                - 6F2: LINE SIX UNACCEPTABLE FOREIGN BUREAU LINE
                - 6F3: LINE SIX INVALID LINE MNEMONIC
                - 6F4: LINE SIX LONGER THAN 80 BYTES   
              
              
              JA Segment Error Conditions:
                - 032: MORE THAN ONE JA SEGMENT WAS FOUND  
              
              
              ES Segment Error Conditions:
                - 023: MORE THAN ONE ES SEGMENT ENCOUNTERED
                - 024: ES SEGMENT DOES NOT FOLLOW AD SEGMENT
                - 030: EMPLOYER NAME IS LONGER THAN 35 BYTES  
              
              
              EU Segment Error Conditions:
                - 03B: CUSTOMER NUMBER IS EQUAL TO ‘IG’, ‘IL’, ‘IZ’ AND ‘ZB’ AND A PERMISSIBLE PURPOSE CODE IS NOT PRESENT
                - 03C: TEXT OR PERMISSIBLE PURPOSE CODE NOT ON “EU” SEG
                - 03D: MORE THAN ONE “EU” SEGMENT IS PRESENT ON IDNT
                - 03E: CUSTOMER NUMBER IS NOT EQUAL TO A “ZB” AND “EU” IS PRESENT
                - 0E0: \*\* END USER NOT IDENTIFIED – CONTACT 1-800-685-5000 FOR INFORMATION \*\*
                - 0EF: PERMISSIBLE PURPOSE CODE IS REQUIRED FOR THIS PRODUCT
                - 0F0: INVALID FCRA PERMISSIBLE PURPOSE OR GLB EXCEPTION FOR PRODUCT REQUESTED
                - 0F1: PRODUCT NOT AVAILABLE TO INSURANCE INDUSTRY
                - 602: LINE 6 FIELD 2 PROBLEM (DIAL SEGMENT = LINE 1)
                - 702: INCORRECT PERMISSIBLE PURPOSE CODE      
              
              
              PC Segment Error Conditions:
                - 0E2: INVALID PC CODE
                - 0E3: MULTIPLE PC CODES NOT ALLOWED
                - 0E4: ZIP CODE IS A REQUIRED FIELD
                - 0E5: PC SEGMENT REQUIRED WITH PI
                - 0E6: ONLY ONE PC SEGMENT ALLOWED
                - 0E9: MAXIMUM ALLOWANCE OF PC CODES EXCEEDED
                - 0EA: RISKWISE AUTHORIZATION REQUIRED – CONTACT YOUR SALES REP
                - 0EB: FRAUD ADVISOR NOT AVAILABLE – CONTACT YOUR SALES REP
                - 0EC: ID ADVISOR NOT AVAILABLE – CONTACT YOUR SALES REP
                - 0ED: ID ADVISOR PLUS NOT AVAILABLE – CONTACT YOUR SALES REP
                - 0EE: MARKETMAX NOT AVAILABLE – CONTACT YOUR SALES REP   
              
              
              PI Segment Error Conditions:
                - 0E5: PC SEGMENT REQUIRED WITH PI
                - 0E7: ONLY ONE PI SEGMENT ALLOWED
                - 0E8: INVALID OR INCOMPLETE DATA ON PI SEGMENT    
              
              
              Processing Error Codes (Processing Error Codes apply to the Fixed Inquiry Format.):
                - 002: NO RECORD FOUND - CHECK INPUT FOR ACCURACY, IF SOCIAL AVAILABLE TRY DTEC
                - 003: ERROR IN MASTER RECORD - CONTACT EQUIFAX AUTOMATED DELIVERY SYSTEMS
                - 006: SPOUSE NAME REQUIRED FOR JOINT FILE ACCESS
                - 008: THIS AREA OF RECORDS TEMPORARILY UNAVAILABLE - PLEASE TRY LATER
                - 009: THIS AREA OF RECORDS TEMPORARILY UNAVAILABLE - PLEASE TRY LATER
                - 00A: YOUR TRANSACTION WAS NOT COMPLETED - ERROR HAS OCCURRED IN SEARCHING FILE
                - 014: RE-ENTER YOUR ENTIRE TRANSACTION - FILE HAS BEEN CHANGED SINCE YOU INQUIRED
                - 015: CONTACT EQUIFAX - AUTOMATED DELIVERY SYSTEMS
                - 01B: YOUR NM LINE IS INVALID
                - 01C: YOUR ADDRESS LINE IS INVALID
                - 01D: CURRENT AND FORMER ADDRESS BOTH OUT OF AREA
                - 021: ERROR IN PREPARING YOUR FORM - RE-ORDER FORM - BILLING AND MAINTENANCE IS OK
                - 02B: CA - CITY OR STATE IS MISSPELLED OR NOT IN ACROPAC SYSTEM
                - 02C: FA - CITY OR STATE IS MISSPELLED OR NOT IN ACROPAC SYSTEM
                - 02D: F2 - CITY OR STATE MISSPELLED OR NOT IN ACROPAC SYSTEM
                - 02E: THIS AREA OF RECORDS TEMPORARILY UNAVAILABLE - PLEASE TRY LATER
                - 03A: NO ADDITIONAL BILLING ENTRIES ALLOWED WITH BILL - NO
                - 03E: YOUR REPLY IS INVALID SINCE IT HAS ALREADY BEEN ENTERED ON THIS TRANSACTION
                - 040: NOT AUTHORIZED TO RECEIVE THIS PRODUCT
                - 045: PROGRAM ERROR - PRINT TOTAL TRANSACTION AND NOTIFY AUTOMATION DIVISION (CONTACT BUREAU)
                - 046: ADDRESS - CITY OR STATE IS MISSPELLED OR NOT IN ACROPAC SYSTEM
                - 04A: INVALID SECURITY CODE - USE YOUR CORRECT CODE
                - 06E: INVALID REQUEST
                - 076: CONTACT BUREAU SUPERVISOR - FILE EXCEEDS MAXIMUM LENGTH
                - 077: CANCELED CUSTOMER NUMBER - CONTACT EQUIFAX SALES DEPARTMENT
                - 078: SECURITY VIOLATION - UNAUTHORIZED TRANSACTION TYPE
                - 079: UNABLE TO BUILD SUMMARY OUTPUT FOR THIS RECORD
                - 07A: UNABLE TO BUILD TOTALVIEW FULL-FILE FIXED OUTPUT FOR THIS RECORD
                - 07B: UNABLE TO BUILD PRINT IMAGE OUTPUT FOR THIS RECORD
                - 07C: INSUFFICIENT INFORMATION FOR FILE SEARCH – ADDITIONAL DATA IS NEEDED
                - 0A3: SOCIAL SECURITY NUMBER IS REQUIRED TO ACCESS PUERTO RICO FILES
                - 0A4: NO RECORD SUBJECT (JOINT FILE ACCESS) - CHECK INPUT FOR ACCURACY, IF SOCIAL AVAILABLE TRY DTEC
                - 0A5: NO RECORD SPOUSE (JOINT FILE ACCESS) - CHECK INPUT FOR ACCURACY, IF SOCIAL AVAILABLE TRY DTEC
                - 0A7: COMBINED FILE IS TOO LARGE FOR PROCESSING. PLEASE RE-SUBMIT USING ONLY CANADIAN ADDRESS
                - 0A8: NO CANADIAN ADDRESS IN THE INQUIRY.
                - 0A9: CANADIAN FILE NOT AVAILABLE IN ACROFILE PLUS FORMAT
                - 0C6: SOCIAL SECURITY NUMBER REQUIRED ON INPUT WHEN USING MILITARY ADDRESS
                - 0E1: VERMONT FILES BLOCKED - CONTACT 1-800-685-5000 FOR REQUIRED CERTIFICATION
                - 0F0: INVALID FCRA PERMISSIBLE PURPOSE OR GLB EXCEPTION FOR PRODUCT REQUESTED
                - 0F9: CURRENT ADDRESS ON FILE IS MINNESOTA - FILE BLOCKED
                - 4F5: INVALID ACCOUNT NUMBER
              
              
              MERR: Model Data Response Error
              
              
              NARRATIVE CODES:
                - M00010: Model Segment Invalid
                - M20010: Invalid Model Segment Input Data.
                - M20020: Message will be one of the following five:
                - M20030:
                - M20040: Invalid Alpha-nn
                - M20050: Invalid Numeric-nn
                - M20060: Invalid Alpha/Numeric-nn
                - M20070: Invalid Date-nn
                - M20080: Invalid Length-nn
                - M20100: Where “nn” and the 4th and 5th digits of the error number indicate which “MD” field that is error
                - M20400: Member Number is not Authorized for Model Delivery
                - M20500: “MD” Segment contains Invalid Number of Input Fields
                - M20600: Error in Report ID not using a prescreen
                - M20700: Error in Report ID multi model Not G,P, or DDT09
                - M20800: Error conflicting report Ids in the MAT table set up
          
          errorType: 
            type: string
            description: Error type
            enum:
              - CERR
              - MERR
          
          message: 
            type: string
            description: Error description
            
    CustomerConfiguration:
      type: object
      description: Configuration related to the customer request
      required: 
        - memberNumber
        - securityCode
        
      properties: 
        memberNumber: 
          type: string
          minLength: 10
          maxLength: 10
          description: >
            This is your Equifax Customer Number. This number is used to both access and invoice for Equifax data, products and services.
            Please contact your Equifax Sales Associate for additional information and activation.
        securityCode: 
          type: string
          minLength: 3
          maxLength: 3
          description: Security code
        
        codeDescriptionRequired:
          description: Request code descriptions
          type: boolean
        
        endUserInformation:
          type: object
          description: >
            End user information:
            Customers using an "IG", "IL", "IZ" or "RT" Industry Code are only required to send the appropriate Permissible Purpose Code.
            Customers using a "ZB" or "ZT" Industry Code must include both the "End Users Name" and the applicable Permissible Purpose code.
          required:
            - endUsersName
            - permissiblePurposeCode
            
          properties:
            endUsersName:
              type: string
              maxLength: 20
              description: Company name of the final recipient of the consumer report making the request
            
            permissiblePurposeCode:
              type: string
              maxLength: 2
              description: >
                Code to audit the purposes for which Equifax consumer information is furnished thus providing continued compliance with the FCRA
                  - 01: Intends to use the information as a potential investor servicer or current insurer in connection with a valuation of or assessment of the credit or prepayment risks.
                  - 03: In accordance with written instructions of the consumer to whom it relates.
                  - 04: In connection with a collection transaction involving a credit account of the consumer.
                  - 05: In response to an agency administering a state plan under Section 454 of the Social Security Act (42 U.S.C. 654) for use to set an initial or modified child support award.
                  - 06: In accordance with written instructions of the consumer through a reseller.
                  - 07: In response to a request by the head of a state or local child support enforcement agency (or a state or local government official authorized by the head of such an agency) that has met all requirements of Section 604(a)(4)(ABCD).
                  - 08: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer. For use only when the transaction cannot be described with a more specific code.
                  - 09: For employment purposes (Only PERSONA is available with this code)
                  - 10: In connection with a determination of eligibility for a license or other benefit granted by a governmental instrument required by law to consider financial responsibility or status.
                  - 11: In connection with the underwriting of insurance.
                  - 12: In connection with the review of existing policy holders for insurance underwriting purposes.
                  - 13: A legitimate business need to review an account to determine whether the consumer continues to meet the terms of the account.
                  - 14: In response to the order of a court having jurisdiction or a subpoena issued by a federal grand jury.
                  - 15: In connection with a tenant screen application involving the consumer.
                  - 16: For use by a governmental agency pursuant to FCRA Section 608.
                  - 17: To protect against or prevent actual or potential fraud unauthorized transactions claims or other liability.
                  - 18: For required institutional risk control or for resolving consumer disputes or inquiries.
                  - 19: Due to holding a legal or beneficial interest relating to the consumer.
                  - 20: To law enforcement agencies or for an investigation on a matter related to public safety.
                  - 21: As necessary to effect administer or enforce a transaction; to underwrite insurance at the consumer’s request for reinsurance purposes or for the following purposes related to the consumer’s insurance;  account administration reporting investigating fraud prevention premium payment processing claim processing benefit administration or research projects.
                  - 22: To persons acting in a fiduciary or representative capacity on behalf of and with the consent of the consumer.
                  - 23: As necessary to effect administer or enforce a transaction requested or authorized by the consumer including location for collection of a delinquent account.
                  - 24: In conjunction with access to a commercial file on a sole proprietorship.
                  - 25: In conjunction with access to a commercial file on a corporation where specific consumer consent is given.
                  - 26: In connection with a credit transaction involving the extension of credit to or review or collection of an account of the consumer where the medical information to be furnished is relevant to process or effect the transaction and specific consumer consent was provided for the furnishing of the consumer report that describes the use of which the medical information will be furnished.
                  - 27: For employment purposes where the medical information to be furnished is relevant to process or effect the transaction and specific consumer consent was provided for the furnishing of the consumer report that describes the use for which the medical information will be furnished. 
                  - 28: In connection with the underwriting of insurance. Specific consumer consent was given for the release of medical information contained within the consumer report.
                  - 29: In connection with a transaction where the credit file including any medical information in it is only to be provided directly to the individual consumer to whom the information relates and specific consumer consent was received for the receipt and furnishing of the consumer report including medical information to the consumer.
                  - 51: In accordance with written instructions of the consumer providing consent for use related to bankruptcy filing purposes.
                  - 52: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to an automobile or truck.
                  - 53: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to automotive repair.
                  - 54: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to automotive parts tires etc.
                  - 55: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to a boat or recreational vehicle.
                  - 56: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to farm equipment.
                  - 57: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to a mortgage loan origination.
                  - 58: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to a mortgage loan refinancing.
                  - 59: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to a home equity loan line of credit.
                  - 60: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to a personal loan.
                  - 61: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to a credit card.
                  - 62: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to home furnishings.
                  - 63: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to general contracting / home improvement.
                  - 64: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to air conditioning / heating / plumbing or electrical.
                  - 65: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to lumber / building materials / hardware.
                  - 66: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to hospitalization / medical care / dental care.
                  - 67: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to personal services.
                  - 68: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to home heating oil / fuel.
                  - 69: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to telephone / electrical / gas / water utilities or household garbage removal.
                  - 70: In connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer related to wholesale goods.
                  - 71: For the purpose of providing a consumer with a copy of his/her consumer report or credit score upon the consumer’s request.
                  - 72: For the purpose of administering a credit file or credit score monitoring service to which the consumer has subscribed.
                  - 73: For use by a housing counseling agency where the consumer has provided his / her specific consent.
                  
        productCodes:
          type: array
          maxItems: 20
          description: >
            Codes related to the optional Equifax products \:
            Please contact your Equifax Sales Associate for additional information and activation of the desired optional services. Product code values include:
              - 01: Equifax Fraud Advisor 2.0 and up to 4 warning codes with Consumer report
              - N1: Equifax Fraud Advisor 2.0 and up to 4 warning codes without Consumer report
              - 03: Equifax ID Advisor Plus Raw Data returned with Consumer report
              - N3: Equifax ID Advisor Plus Raw Data returned without Consumer report
              - 08: Fraud Advisor 2.0 = Fraud Advisor with ID Advisor Plus Raw Data returned on high \# risk group only (scores of 1-5) with Consumer report
              - N8: Fraud Advisor 2.0 = Fraud Advisor with ID Advisor Plus Raw Data returned on high \# risk group only (1-5) without Consumer report
              - 10: Fraud Advisor 2.0 = Fraud Advisor with ID Advisor Plus Raw Data returned on all \# risk groups (scores of 1-9) with Consumer report
              - NA: Fraud Advisor 2.0 = Fraud Advisor with ID Advisor Plus Raw Data returned on all \# risk groups (scores of 1-9) without Consumer report
              - MM: MarketMax with a Consumer Report
              - NZ: MarketMax without a Consumer Report
              - 31: ID Score® - Risk with Consumer report
              - 32: ID Score® - Risk without Consumer report
          items:
            type: string
            maxLength: 2
        
        productInformation:
          type: object
          properties:
            driverLicenseNumber:
              type: array
              items:
                type: object
                properties:
                  identifier:
                    type: string
                    example: ["Current","Co-applicant"]
                    description: Owner of the drivers license
                  
                  driverLicenseNumber:
                    type: string
                    maxLength: 25
                    description: Subject's drivers license number
            
            coApplicantDateOfBirth: 
              description: Co-applicant's birth date
              allOf:
                - $ref: '#/components/schemas/FullDate'
        models: 
          description: Model Score
          type: array
          minItems: 0
          maxItems: 20
          items: 
            type: object
            properties: 
              identifier: 
                type: string
                maxLength: 5
                description: Model number
                
              modelField: 
                type: array
                items:
                  type: string
                  maxLength: 20
                  description: Model field associated with custom models
        
        customerCode:
          type: string
          maxLength: 4
          description: Assigned customer code
        
        multipleReportIndicator:
          type: string
          maxLength: 1
          example: ["1", "F"]
          description: >
            Indicates if the report allows more than 1 credit report
              - 1: one report
              - F: multiple reports (Puerto Rico only)
        
        ECOAInquiryType:
          type: string
          example: ["Individual", "Co-applicant"]
          description: Type of inquiry
          
        optionalFeatureCode:
          description: >
            The optional features requested in the credit report.
            Please contact your Equifax Sales Associate for additional information and activation
            Optional feature code:
              - B: Military Lending Act with Credit Data
              - D: ON-LINE DIRECTORY or ON-LINE DIRECTORY w/Address
              - G: Dimensions Data
              - M: Return Risk-Based Pricing score information in the FICO and Model Segments
              - Q: Return Risk-Based Pricing score information in the FICO segment only
              - V: Enhanced Delinquency Alert System (EDAS) & FICO Score based on Equifax Data
              - X: FICO Score based on Equifax Data
              - Z: Enhanced Delinquency Alert System (EDAS)
              - &: FraudIQ Synthetic ID Alerts
          type: array
          maxItems: 18
          items:
            type: string
            maxLength: 2
            
        
        vendorIdentificationCode:
          type: string
          maxLength: 2
          description: Required for all third-party channel partners and vendors who support end-customer access to Equifax products and services
        
        riskModelCodeOnly:
          type: string
          description: > 
            It can be one of the following indicators:
              
             Pre-screen of One model request
             - ^: For a single prescreen model
                   
             - %: For multiple prescreen models
             In-Person rules require that 3 or more items in the request match to a consumer's file to be considered a hit/match.
             - P: In Person rules apply based on the state code in the request
                   
             - Q: In Person rules apply based on the state code in the Current Address on the file
             Mortgage Reissue 
             - M: if Mortgage Reissue is requested this indicator is required. Used by the mortgage industry when a consumer’s credit report is reissued to another company for additional services. 

    CreditReportRequest:
      type: object
      required:
        - consumers
        - customerConfiguration
      properties:
        consumers: 
          type: object
          required:
            - name
          properties:
            name: 
              type: array
              description: Consumer name
              items: 
                type: object
                required: 
                  - identifier
                  - lastName
                  - firstName
                  
                properties: 
                  identifier: 
                    type: string
                    default: "Current"
                    example: ["Current","Co-applicant"]
                    description: Record identifier
                  firstName: 
                    type: string
                    maxLength: 15
                    description: First name
                  lastName: 
                    type: string
                    maxLength: 25
                    description: Last name
                  middleName: 
                    type: string
                    maxLength: 15
                    description: Middle name or initial
                  suffix: 
                    type: string
                    maxLength: 2
                    description: Suffix 
            socialNum: 
              type: array
              description: Social Security Number
              items:
                type: object
                required:
                  - identifier
                  - number
                  
                properties:
                  identifier: 
                    type: string
                    default: Current
                    example: ["Current", "Co-applicant"]
                    description: Record identifier
                  number:
                    type: string
                    minLength: 0
                    maxLength: 9
                    description: Social Security Number (SSN)
            dateOfBirth: 
              allOf:
                - $ref: '#/components/schemas/FullDate'
              description: Date of Birth 
            age: 
              type: string
              maxLength: 2
              description: Age 
            addresses: 
              type: array
              minItems: 1
              maxItems: 3
              description: Address information. A maximum of 2 addresses can be sent per inquiry. If socialNum is not provided, the houseNumber, streetName, city and state are required
              items: 
                $ref: '#/components/schemas/AddressRequest'
            phoneNumbers: 
              type: array
              minItems: 0
              maxItems: 2
              items: 
                type: object
                required:
                    - identifier
                    - number
                    
                properties: 
                  identifier: 
                    type: string
                    example: ["Current", "Co-applicant"]
                  
                  number: 
                    type: string
                    maxLength: 10
            employments:
              type: object
              properties:
                occupation:
                  type: string
                  maxLength: 35
                  description: Occupation
                
                employerName:
                  type: string
                  maxLength: 35
                  description: Employer
        externalDataSources:
          type: object
          properties: 
            alternateDataSources:
              type: object
              required:
                  - consumerReportIndicator
              
              properties:
                consumerReportIndicator:
                  type: boolean
                
                customerOrchestrationCode:
                  type: string
                  maxLength: 20
                
                customerOrganizationCode:
                  type: string
                  maxLength: 20
                
                dataProviderTag:
                  type: string
                  maxLength: 10
                


        customerReferenceIdentifier: 
          type: string
          minLength: 0
          maxLength: 20
          description: Unique identifier provided by customer
        customerConfiguration: 
          description: Configurations related to the credit report being requested
          type: object
          properties:
            equifaxUSConsumerCreditReport:
              allOf:
                - $ref: '#/components/schemas/CustomerConfiguration'
        
    
    Bankruptcy:
      type: object
      description: Details associated with bankruptcy
      properties: 
        customerNumber: 
          type: string
          maxLength: 10
          description: Court customer number
        
        type: 
          type: string
          maxLength: 1
          example: ["B","I"]
          description: >
            Type of bankruptcy:
            
            - B: Business
            
            - I: Individual
        
        filer: 
          type: string
          maxLength: 1
          example: ["I","J","W"]
          description: >
            How filed:
            
            - I: Individual
            
            - J: Joint
            
            - W: Spouse
        
        industryCode: 
          title: IndustryCode
          type: string
          description: Industry code
        
        currentIntentOrDispositionCode:
          type: object
          description: Indicates the chapter type and the current status of the bankruptcy
          properties:
            code:
              type: string
              maxLength: 1
              description: Code value
            description:
              type: string        
              description: >
                Chapter types and current status:
                
                - A: DISCHARGED CH-7 The amount owed was included in the “order of relief.” Debtor no longer liable for debts listed in “order of relief.”
                
                - C: CH-13 FILED Adjustment of debts of an individual with consistent income. Debtor petitions the court for permission to pay a percent of his income over a period of years until debt is satisfied (usually not over three years).
                
                - D: CH-11 FILED Business Reorganization. Business debtor is granted relief from payment under terms of initial contract reorganization period.
                
                - E: DISMSD/CLSD CH11 Petition for reorganization of debt has been withdrawn by debtor or honored - subject liable for debts.
                
                - F: DISCHARGED CH-11 Petition by debtor for complete relief of all debts is honored. Debtor no longer liable for debts listed in “order of relief.”
                
                - G: CH-12 FILED The Chapter 12 plan applies only to family farmers who have regular annual incomes sufficient to make payments under a proposed plan. Payment under the plan must be completed in three years. In certain situations, payment of no longer than five years is permitted.
                
                - H: DISCHARGED CH-12 A discharge is entered after the completion of all payments under the plan. However, certain payments on some long term claims, which are due after the last payment under the plan, will continue after the date of discharge.
                
                - I: INVOLUNTARY CH-7 The debtor is forced into bankruptcy by the petition of a sufficient number of his creditors.
                
                - J: DISMSD/CLSD CH12 The court may dismiss the plan or terminate the plan for various reasons, including unreasonable delays, gross mismanagement, non payment of any fees and charges, failure to file a plan in a timely manner, failure to make timely payments required by a confirmed plan, denial of confirmation or request made for additional time, and so forth.
                
                - K: DISMSD/CLSD CH13 The petition by debtor for permission to pay a percent of his income over a period of years has been withdrawn by debtor or has not been followed by debtor. Debtor remains liable for his debts under initial terms of the contract.
                
                - L: DISCHARGED CH-13 Plan by debtor to pay percent of income over a period of years has been completed. Debtor no longer liable for debts listed in payment plan.
                
                - M: DISMSD/CLSD CH7 The bankruptcy petition has been withdrawn by or has not been honored by the court. Subject remains liable for his debts under the terms of the initial contract.
                
                - V: VOLUNTARY CH-7 Bankruptcy proceeding is initiated by the debtor's own petition to be declared bankrupt and have benefit of the law.
          
        narrativeCodes:
          $ref: '#/components/schemas/NarrativeCodes'        
              
        rawNarrativeCodes:
          type: array
          minItems: 0
          maxItems: 2
          description: Raw narrative codes included in the report
          items: 
            type: string
            maxLength: 2
            description: Narrative code

        caseNumber: 
          type: string
          maxLength: 5
          description: Case number
        
        dispositionDate:
          description: Disposition Date
          allOf:
            - $ref: '#/components/schemas/PartialDate'
        
        dateFiled:
          description: Date Last Filed
          allOf:
            - $ref: '#/components/schemas/FullDate'
        
        currentDispositionDate:
          description: Contains the date of the final status of the case whether discharged or dismissed
          allOf:
            - $ref: '#/components/schemas/FullDate'
        
        verifiedDate:
          description: Date of verification for any updates to the bankruptcy disposition according to court records.
          allOf:
            - $ref: '#/components/schemas/FullDate'
        
        priorIntentOrDispositionCode:
          type: object
          description: Chapter type and status of the bankruptcy just prior to that in the Current Intent/Disposition Code field
          properties:
            code:
              type: string
              maxLength: 1
              description: Code value
            description:
              type: string
          
        dateReported:
          description: Date the bankruptcy was reported to Equifax
          allOf:
            - $ref: '#/components/schemas/FullDate'
    
    Collection:
      type: object
      description: Provides information about any collection item
      properties: 
        industryCode: 
          title: IndustryCode
          type: string
          description: Industry code
        customerNumber: 
          type: string
          maxLength: 10
          description: Collection agency customer number
        clientNameOrNumber: 
          type: string
          maxLength: 30
          description: Original creditor name/number
        statusCode: 
          type: object
          description: Current status of the collection
          properties:
            code:
              type: string
              maxLength: 1
              description: Code value
            description:
              type: string
              description: >
                - D: UNPAID Subject has not satisfied debt.
                
                - F: FINANCIAL COUNSELOR Identifies that a subject is receiving professional guidance on financial matters, and is under a payment plan.
                
                - J: ADJUSTMENT Settlement of a debt in which full payment is not made or when the amount involved is not certain.
                
                - M: WAGE EARNER Chapter 13 (Debtors with regular income). This chapter allows an individual to reorganize finances and protect assets while a court approved repayment plan is in effect.
                
                - N: NEW LISTING Collection account which has just been turned over for collection of past due debt.
                
                - P: PAID Subject has satisfied debt.
                
                - S: ACCOUNT DISPUTED Merchant and consumer disagree on various particulars regarding merchandise, terms of agreement or amount owing.
                
                - T: PAYMENT Subject submits portion of money owing.
                
                - U: STATUS UNKNOWN Indicates status is not verified.
                
                - X: CHECKED As of the date reported, the balance was not paid and the account was verified at the request of the consumer via a dispute.
                
                - Z: IN BANKRUPTCY The legal process under the Federal Bankruptcy Act by which debtors are granted some form of relief from their financial obligations.
          
        narrativeCodes: 
          $ref: '#/components/schemas/NarrativeCodes'
        rawNarrativeCodes: 
          type: array
          minItems: 0
          maxItems: 2
          description: Raw narrative codes included in the report
          items: 
            type: string
            maxLength: 2
            description: Narrative code
        indicator: 
          type: string
          maxLength: 1
          description: Automated Update Indicator
        dateReported: 
          description: Date the collection was reported to Equifax
          allOf:
            - $ref: '#/components/schemas/FullDate'
        dateAssigned: 
          description: Date Assigned
          allOf:
            - $ref: '#/components/schemas/FullDate'
        originalAmount: 
          type: string
          maximum: 999999999
          description: Original amount in USD
        statusDate: 
          description: Current Status Date
          allOf:
            - $ref: '#/components/schemas/FullDate'
        balance: 
          type: string
          maximum: 999999999
          description: Balance in USD
        lastPaymentDate: 
          description: Date of most recent payment
          allOf:
            - $ref: '#/components/schemas/FullDate'
        dateOfFirstDelinquency:
          description: Indicates the date of first delinquency as reported by the original creditor
          allOf:
            - $ref: '#/components/schemas/FullDate'
        accountNumber: 
          type: string
          maxLength: 30
          description: Account number
        accountDesignatorCode:
          $ref: '#/components/schemas/AccountDesignatorCode'
          
        creditorClassificationCode:
          $ref: '#/components/schemas/CreditorClassificationCode'
          
    AccountTypeCode:
      type: object
      description: Codes describing the account type
      properties:
        code: 
          type: string
          description: Code value
          
        description:
          type: string
          description: >
            Account Type Codes:
              - 00: Auto
              - 01: Unsecured
              - 02: Secured
              - 03: Partially Secured
              - 04: Home Improvement
              - 05: Federal Housing Administration Home Improvement
              - 06: Installment Sales Contract
              - 07: Charge Account
              - 08: Real Estate
              - 10: Business Loan - Individual is personally liable
              - 11: Recreational Merchandise
              - 12: Education Loan
              - 13: Lease
              - 14: Co-Maker Not Borrower (Retired 9-18-09)
              - 15: Line of Credit
              - 17: Manufactured Housing
              - 18: Credit Card
              - 19: Federal Housing Administration Real Estate Mortgage
              - 20: Note Loan
              - 21: Note Loan With Co-Maker
              - 22: Secured By Household Goods
              - 23: Secured By Household Goods/Collateral
              - 25: Veteran’s Administration Real Estate Mortgage
              - 26: Conventional Real Estate Mortgage
              - 27: Real Estate Mortgage
              - 29: Rental Agreement
              - 34: Debt Counseling Service
              - 37: Combined Credit Plan (represents two credit plans being reported as one account)
              - 43: Debit Card (used when backed by a line of credit or overdraft protection)
              - 47: Credit Line Secured
              - 48: Collection Agency/Attorney
              - 49: Insurance Claim Pending
              - 50: Family Support
              - 65: Government Unsecured Guaranteed Loan
              - 66: Government Secured Guaranteed Loan
              - 67: Government Unsecured Direct Loan
              - 68: Government Secured Direct Loan
              - 69: Government Grant
              - 70: Government Overpayment
              - 71: Government Fine
              - 72: Government Fee for Services
              - 73: Government Employee Advance
              - 74: Government Miscellaneous Debt
              - 75: Government Benefit
              - 77: Returned Check
              - 78: Installment Loan
              - 85: Bi-Monthly Mortgage Payment (every other month)
              - 87: Semi-Monthly Mortgage Payment (twice per month)
              - 89: Home Equity Line of Credit
              - 90: Medical Debt
              - 91: Debt Consolidation
              - 92: Utility Company
              - 93: Child Support
              - 94: Spouse Support
              - 95: Attorney Fees
              - 0A: Time Share Loan (a purchased time share)
              - 1A: Lender Placed Insurance
              - 2A: Secured Credit Card
              - 3A: Auto Lease
              - 5A: Real Estate (junior liens and non-purchase money first)
              - 6A: Commercial Installment Loan (Individual personally liable; company is guarantor)
              - 7A: Commercial Line of Credit (Individual personally liable; company is guarantor)
              - 8A: Business Credit Card (Individual has primary responsibility)
              - 9A: Secured Home Improvement
              - 5B: Second Mortgage
              - 6B: Commercial Mortgage Loan (Individual is personally liable; company is guarantor)
              - 7B: Agricultural
              - 8B: Deposit Related (overdrawn account)
              - 9B: Business Line Personally Guaranteed
              - 0C: Debt Buyer Account
              - 1C: Household Goods
              - 2C: US Department of Agriculture Real Estate Mortgage Loan
              - 4D: Telecommunication/Cellular
              - 6D: Home Equity
              - 0F: Construction Loan
              - 0G: Flexible Spending Credit Card
              
    AccountDesignatorCode:
      type: object
      description: Consumer relationship with account
      properties:
        code: 
          type: string
          description: Code value
          
        description:
          type: string
          description: >
            - A: Authorized User – This is an authorized user of this account; another individual has contractual responsibility.
            
            - B: On behalf of another person – The subject has financial responsibility for an account, which is used exclusively by another person.
            
            - C: Co-maker – The subject has co-signed for a loan, and will be responsible for payment if the borrower should default.
            
            - I: Individual Account – The subject of the report has contractual responsibility for this account and is primarily responsible for its payment.
            
            - J: Joint Account – The subject and another person (or persons) are jointly responsible for payment on this account.
            
            - M: Maker – The subject is responsible for payment of a loan, but a co-maker will be responsible for payment if maker defaults.
            
            - S: Shared, but otherwise undesignated – This code is an indication that the credit grantor knows that the subject and at least one other person share the account, but not enough information is available to designate the account as “J” or “A”.
            
            - T: Terminated – The subject’s relationship to this account has ended, although other parties who once shared the account may continue to maintain the account.
            
            - U: Undesignated
            
            - X: Deceased (Not returned on Trade Lines)

    FraudOrVerificationAlert:
      type: array
      description: >
        It can contain various combinations of information depending upon the product code sent in the inquiry or a one-byte Reject Code for the Equifax ID Advisor or ID Advisor Plus products.
        
        
        ID Advisor and ID Advisor Plus are optional products offered by Equifax. Contact your Equifax Sales Associate for additional information and activation.
      minItems: 0
      maxItems: 99
      items:
        type: object
        properties:
          version2IndicatorCode:
            type: string
            maxLength: 1
            description: blank or 2 - what version is returned
          fraudAdvisorIndex: 
            type: object
            properties:
              code:
                type: string
                maxLength: 3
                description: Code value

              description:
                type: string
                description: >
                  It is an on-line index that identifies potential fraud risk. Equifax uses validation and higher risk data and analysis techniques to produce the index. The Fraud Advisor index rank orders fraud risk, identifies applicants with the highest fraud potential and streamlines manual review questions.
          warningCodesForFraudAdvisorIndex:
            $ref: '#/components/schemas/FraudVerificationWarningCodes'        
          
          rejects:
            type: object
            description: Reject codes
            properties:
              code: 
                type: string
                maxLength: 1
                description: Code value
          
              description:
                type: string
                description: > 
                  - B: RISKWISE AUTHORIZATION REQUIRED – CONTACT YOUR SALES REP
                  
                  - R: DATA SOURCE CURRENTLY UNAVAILABLE
                  
                  - S: DATA SOURCE CURRENTLY UNAVAILABLE
                  
                  - T: REQUESTED PRODUCT UNAVAILABLE, CONTACT SALES REP
                  
                  - U: UNABLE TO ACCESS DATA SOURCE
                  
                  - V: UNABLE TO ACCESS DATA SOURCE
                  
                  - W: DATA SOURCE IS TEMPORARILY OUT OF SERVICE
                  
                  - X: DATA SOURCE IS TEMPORARILY OUT OF SERVICE
                  
                  - Y: REQUIRED DATA NOT PRESENT
                  
                  - Z: REQUIRED DATA NOT PRESENT 04
          
          firstNameCounter:
            type: object
            properties:
              code:
                type: string
                maxLength: 2
              description: 
                type: string
                description: >
                  The verification level code:
                  
                   - 00: Not verified
                   
                   - 01: 1 Data Source checked
                   
                   - 02: 2 or more Data Sources checked
          lastNameCounter:
            type: object
            properties:
              code:
                type: string
                maxLength: 2
              description: 
                type: string
                description: >
                  The verification level code:
                  
                   - 00: Not verified
                   
                   - 01: 1 Data Source checked
                   
                   - 02: 2 or more Data Sources checked
          businessNameCounter:
            type: object
            properties:
              code:
                type: string
                maxLength: 2
              description: 
                type: string
                description: >
                  The verification level code:
                  
                   - 00: Not verified
                   
                   - 01: 1 Data Source checked
                   
                   - 02: 2 or more Data Sources checked
          streetAddressCounter:
            type: object
            properties:
              code:
                type: string
                maxLength: 2
              description: 
                type: string
                description: >
                  The verification level code:
                  
                   - 00: Not verified
                   
                   - 01: 1 Data Source checked
                   
                   - 02: 2 or more Data Sources checked
          socialNumCounter:
            type: object
            properties:
              code:
                type: string
                maxLength: 2
              description: 
                type: string
                description: >
                  The verification level code:
                  
                   - 00: Not verified
                   
                   - 01: 1 Data Source checked
                   
                   - 02: 2 or more Data Sources checked
          homePhoneNumberCounter:
            type: object
            properties:
              code:
                type: string
                maxLength: 2
              description: 
                type: string
                description: >
                  The verification level code:
                  
                   - 00: Not verified
                   
                   - 01: 1 Data Source checked
                   
                   - 02: 2 or more Data Sources checked
          workPhoneNumberCounter:
            type: object
            properties:
              code:
                type: string
                maxLength: 2
              description: 
                type: string
                description: >
                  The verification level code:
                  
                   - 00: Not verified
                   
                   - 01: 1 Data Source checked
                   
                   - 02: 2 or more Data Sources checked
          dateOfBirthConfirmed:
            type: object
            properties:
              code:
                type: string
                maxLength: 2
              description: 
                type: string
                description: >
                  The verification level code:
                  
                   - 00: Not verified
                   
                   - 01: 1 Data Source checked
                   
                   - 02: 2 or more Data Sources checked
          driverLicenseNumberConfirmed:
            type: object
            properties:
              code:
                type: string
                maxLength: 2
              description: 
                type: string
                description: >
                  The verification level code:
                  
                   - 00: Not verified
                   
                   - 01: 1 Data Source checked
                   
                   - 02: 2 or more Data Sources checked
          emailAddressConfirmed:
            type: object
            properties:
              code:
                type: string
                maxLength: 2
              description: 
                type: string
                description: >
                  The verification level code:
                  
                   - 00: Not verified
                   
                   - 01: 1 Data Source checked
                   
                   - 02: 2 or more Data Sources checked
          socialNumVerificationLevel:
            type: object
            properties:
              code:
                type: string
                maxLength: 2
              description: 
                type: string
                description: >
                  Number of sources verified and what was matched
                   - 00: NOT VERIFIED
                   - 01: NAME AND ADDRESS DIFFERENT
                   - 02: FIRST NAME AND SOCIAL MATCH, LAST NAME AND ADDRESS DIFFERENT
                   - 03: SOCIAL AND ADDRESS MATCH, FIRST AND LAST NAME DIFFERENT
                   - 04: LAST NAME AND SOCIAL MATCH, ADDRESS DIFFERENT
                   - 05: FULL NAME AND SOCIAL MATCH, ADDRESS DIFFERENT
                   - 06: FIRST NAME, SOCIAL AND ADDRESS MATCH
                   - 07: LAST NAME, SOCIAL AND ADDRESS MATCH
                   - 08: FULL NAME, SOCIAL AND ADDRESS MATCH
          numberOfVerifiedFields:
            type: string
            maxLength: 2
            description: Number of verified fields where counter is greater than 0
          sumOfVerificationCounters:
            type: string
            maxLength: 2
            description: Sum of verification counters.
          IDAdvisorOrIDAdvisorPlusIndex:
            type: string
            maxLength: 3
            description: >
              Determines if the report is using ID Advisor or ID Advisor Plus.
              
               - 000: ID Advisor
               - 001: ID Advisor Plus
          warningCodesForIDAdvisorPlusIndex:
            $ref: '#/components/schemas/FraudVerificationWarningCodes'        
          
          firstName:
            type: string
            maxLength: 15
            description: Subject's first name
          lastName:
            type: string
            maxLength: 20
            description: Subject's last name
          streetAddress:
            type: string
            maxLength: 50
            description: Street name
          city:
            type: string
            maxLength: 30
            description: City name
          stateAbbreviation:
            type: string
            maxLength: 2
            description: State name's abbreviation
          zipCode:
            type: string
            maxLength: 9
            description: Zip code
          socialNum:
            type: string
            maxLength: 9
            description: Subject's Social Security Number (SSN)
          dateOfBirth:
            description: Date of birth
            allOf:
              - $ref: '#/components/schemas/FullDate'
          homePhoneNumber:
            $ref: '#/components/schemas/TelephoneNumber'
    Trade:
      type: object
      properties: 
        automatedUpdateIndicator: 
          type: string
          maxLength: 1
          description: Automated Update Indicator
        monthsReviewed: 
          type: string
          maxLength: 2
          description: How many months the trade was reviewed
        accountDesignator: 
          $ref: '#/components/schemas/AccountDesignatorCode'
        accountNumber: 
          type: string
          maxLength: 20
          description: Account number 
        thirtyDayCounter: 
          type: integer
          maximum: 99
          description: Number of times the consumer has been 30 days delinquent in payment
        sixtyDayCounter: 
          type: integer
          maximum: 99
          description: Number of times the consumer has been 60 days delinquent in payment
        ninetyDayCounter: 
          type: integer
          maximum: 99
          description: Number of times the consumer has been 90+ days delinquent in payment
        previousHighRate1: 
          type: integer
          maximum: 999999999
          description: >
            First highest rate that occurred outside of the timeframe of the payment history that has beed requested (Valid Rates\: 2-5, 8 and 9)
        previousHighDate1: 
          $ref: '#/components/schemas/PartialDate'
        previousHighRate2: 
          type: integer
          maximum: 999999999
          description: >
            Second highest rate that occurred outside of the timeframe of the payment history that has beed requested (Valid Rates\: 2-5, 8 and 9)
        previousHighDate2: 
          $ref: '#/components/schemas/PartialDate'
        previousHighRate3: 
          type: integer
          maximum: 999999999
          description: >
            Third highest rate that occurred outside of the timeframe of the payment history that has beed requested (Valid Rates\: 2-5, 8 and 9)
        previousHighDate3: 
          $ref: '#/components/schemas/PartialDate'
        24MonthPaymentHistory: 
          type: array
          minItems: 0
          maxItems: 25
          items:
            type: object
            properties: 
              code:
                type: string
                maxLength: 1
              description:
                type: string
                description: >
                  The most recent payment history on the trade for the last 24 months
                  
                  It's an optional feature offered by Equifax. Please contact your Equifax Sales Associate for additional information and activation.
        customerName:
          type: string
          maxLength: 20
          description: Customer name.
        
        dateReported: 
          description: >
            Represents the "as of" date of the most recent update received from the data furnisher. Accounts may continue to be updated by the data furnisher even after they are closed, paid out or become severely delinquent (charge off, repossession, etc.).
          allOf:
            - $ref: '#/components/schemas/FullDate'
        
        dateOpened: 
          description: Date account originally opened
          allOf:
            - $ref: '#/components/schemas/FullDate'
        
        highCredit: 
          type: integer
          maximum: 999999999
          description: Highest outstanding balance or original amount
        creditLimit: 
          type: integer
          maximum: 999999999
          description: Highest available credit limit
        balance: 
          type: integer
          maximum: 999999999
          description: Account balance
        pastDueAmount: 
          type: integer
          maximum: 999999999
          description: Amount past due on an account (late)
        portfolioTypeCode:
          type: object
          description: Describes the payment arrangement of the account (revolving, open, installment, line of credit or mortgage)
          properties:
            code:
              type: string
              maxLength: 1
              description: Code value
            
            description:
              type: string
              description: >
                  Portfolio Type Codes:
                    - C: Line of Credit (payment amounts based on the outstanding balance)
                    - I: Installment (fixed number of payments)
                    - M: Mortgage (fixed number of payments – usually for real estate)
                    - O: Open Account (entire balance is due upon demand)
                    - R: Revolving (payment amounts based on the outstanding balance)
                    - Blank: No Portfolio Type available
                    
        rateStatusCode: 
          type: object
          description: Current status or rating of the account
          properties:
            code:
              type: string
              maxLength: 1
              description: Code value
            
            description:
              type: string
              description: >
                
                 - 0: Too new to rate; Approved but not used
                    :
                 - 1: Pays account as agreed
                    :
                 - 2: Not more than two payments past due
                    :
                 - 3: Not more than three payments past due
                    :
                 - 4: Not more than four payments past due
                    :
                 - 5: At least 120 days or more than four payments past due
                    :
                 - 6: Collection account (Enhanced Trade Only)
                    :
                 - 7: Included in Chapter 13
                    :
                 - 8: Repossession
                    :
                 - 9: Charge-off
                 
                 - Blank: No rate reported
        
        rate: 
          type: object
          properties:
              code:
                type: integer
                maxLength: 9
              
              description:
                type: string
              
        lastActivityDate: 
          type: string
          description: Contains the date of last activity
          maxLength: 6
          example: ["MMYYYY"]
          
        narrativeCodes: 
          $ref: '#/components/schemas/NarrativeCodes'
              
        rawNarrativeCodes: 
          type: array
          description: Raw codes for the narratives
          minItems: 0
          maxItems: 4
          items: 
            type: string
            maxLength: 2
            description: Narrative code
          
        accountTypeCode:
          $ref: '#/components/schemas/AccountTypeCode'
        
        lastPaymentDate: 
          description: Date of the most recent payment.
          allOf:
            - $ref: '#/components/schemas/FullDate'
        
        closedDate: 
          description: Contains the date the account was closed
          allOf:
            - $ref: '#/components/schemas/FullDate'
        
        dateMajorDelinquencyFirstReported: 
          description: >
            If current Rate/Status code is 6, 7, 8, 9, M, Z or if trade contains narrative code 081 (foreclosure), this date will reflect the first time that Rate/Status or narrative code was reported.
          allOf:
            - $ref: '#/components/schemas/FullDate'
        
        actualPaymentAmount: 
          type: integer
          maximum: 999999999
          description: Payment actually received for a reporting period
        scheduledPaymentAmount: 
          type: integer
          maximum: 999999999
          description: >
            Contractual amount due for a payment period. (The figure in this field should be the monthly amount due regardless of the actual payment frequency.) 
        termsFrequencyCode:
          type: object
          description: Reflects how often payments are due
          properties:
            code:
              type: string
              maxLength: 1
              description: Code value
            
            description:
              type: string
              description: > 
                - B: Biweekly (due every 2 weeks)
                
                - D: Deferred
                
                - E: Semi-monthly (due twice a month)
                
                - L: Bi-monthly (due every 2 months)
                
                - M: Monthly (due every month)
                
                - P: Single Payment Loan
                
                - Q: Quarterly (due every 3 months)
                
                - S: Semi-annually (due twice a year)
                
                - T: Tri-annually (due every 4 months)
                
                - W: Weekly (due every week)
                
                - Y: Annually (due every year)
                
        termsDurationCode:
          type: object
          description: Amount of time to repay the loan
          properties:
            code: 
              type: string
              maxLength: 1
              description: Code value
          
            description: 
              type: string
              description: >
                Terms duration codes 
                  - D: Days
                  - M: Months
                  - Y: Years
              
        purchasedFromOrSoldCreditorIndicator:
          type: object
          description: Purchased From/Sold To/Original Creditor Name is the purchaser, seller or original creditor
          properties:
            code: 
              type: string
              maxLength: 1
              description: Code value
          
            description:
              type: string
              description: >
                Purchased From/Sold To/Original Creditor Values
                  - O: Original Creditor
                  - P: Purchased From
                  - S: Sold To
        
        purchasedFromOrSoldCreditorName:
          type: string
          maxLength: 30
          description: Denotes who the account was either purchased from or sold to or the Original Creditor’s name
        creditorClassificationCode: 
          $ref: '#/components/schemas/CreditorClassificationCode'
              
        activityDesignatorCode:
          type: object
          description: Describes the final state of the account.
          properties:
            code: 
              type: string
              maxLength: 1
              description: Code value
          
            description:
              type: string        
              description: >
                - B: Paid and Closed
                
                - C: Closed
                
                - D: Transfer/Sold/Paid
                
                - L: Lost/Stolen
                
                - P: Paid
                
                - R: Refinanced
                
                - T: Transfer/Sold
          
        originalChargeOffAmount: 
          type: integer
          maximum: 999999999
          description: Amount originally charged to loss by the creditor
        deferredPaymentStartDate: 
          description: Contains the date the first payment is due for deferred loans
          allOf:
            - $ref: '#/components/schemas/FullDate'
        
        ballonPaymentAmount: 
          type: integer
          maximum: 999999999
          description: Amount of the balloon payment
        ballonPaymentDueDate: 
          description: Contains the date the balloon payment is due
          allOf:
            - $ref: '#/components/schemas/FullDate'
        
        mortgageIDNumber:
          type: string
          maxLength: 18
          description: >
            Number assigned to a mortgage loan that remains constant throughout the life of the loan. The MIN indicates that the loan is registered with the Mortgage Electronic Registration Systems, Inc., the electronic registry for tracking the ownership of mortgage rights.
        paymentHistory1to24:
          type: array
          minItems: 0
          maxItems: 25
          items:
            type: object
            properties: 
              code:
                type: string
                maxLength: 1
              description:
                type: string
                description: >
                  The valid values for the standard 24, 36 and 48 Month Payment History are:
                   
                   - Blank: not populated based on the Date Open (payment history will only be populated for each of the months that the account has been open) 
                   - E: Zero balance and current account  
                   - \*: Rate/Status was not available for that month
                   - 2 – 6, 8 and 9 (See Rate/Status Codes for values)
                   - 6: Valid value for Payment History
        paymentHistory25to36:
          type: array
          minItems: 0
          maxItems: 13
          items:
            type: object
            properties: 
              code:
                type: string
                maxLength: 1
              description:
                type: string
                description: >
                  The valid values for the standard 24, 36 and 48 Month Payment History are:
                   - Blank: not populated based on the Date Open (payment history will only be populated for each of the months that the account has been open)
                   - E: Zero balance and current account
                   - \*: Rate/Status was not available for that month
                   - 2 - 6, 8 and 9 (See Rate/Status Codes for values)
                   - 6: Valid value for Payment History
        paymentHistory37to48:
          type: array
          minItems: 0
          maxItems: 13
          items:
            type: object
            properties: 
              code:
                type: string
                maxLength: 1
              description:
                type: string
                description: >
                  The valid values for the standard 24, 36 and 48 Month Payment History are:
                   - Blank: not populated based on the Date Open (payment history will only be populated for each of the months that the account has been open)
                   - E: Zero balance and current account
                   - \*: Rate/Status was not available for that month
                   - 2 – 6, 8 and 9 (See Rate/Status Codes for values)
                   - 6: Valid value for Payment History
        previousHighRatePaymentHistory:
          type: string
          maxLength: 1
        
        previousHighDatePaymentHistory:
          $ref: '#/components/schemas/PartialDate'
        
        dimensionsDataStartDate:
          $ref: '#/components/schemas/PartialDate'
        
        dimensionsNumberOfMonths:
          type: string
          maxLength: 2
          description: Number of months of Dimensions data requested
        dimension:
          type: array
          description: >
            Information over the most recent 24 months of historical data. There may be gaps of historical Dimensions data if that month (or field) is not available
            
            Dimensions Data is an optional feature offered by Equifax. Please contact your Equifax Sales Associate for additional information and activation.
          items:
            type: object
            properties:
              dimensionsBalance: 
                type: integer
                maximum: 999999999
                description: Balance during the month being reported
              dimensionsActualPaymentAmount: 
                type: integer
                maximum: 999999999
                description: Payment actually received for a reporting period
              dimensionsScheduledPaymentAmount: 
                type: integer
                maximum: 999999999
                description: Contractual amount due for a payment period. (The figure in this field should be the monthly amount due regardless of the actual payment frequency.)
              dimensionsLastPaymentDate: 
                description: Date of the most recent payment
                allOf:
                  - $ref: '#/components/schemas/FullDate'
                
              dimensionsHighCredit: 
                type: integer
                maximum: 999999999
                description: Highest outstanding balance or original amount 
              dimensionsCreditLimit: 
                type: integer
                maximum: 999999999
                description: Highest available credit amount
              dimensionsPastDueAmount: 
                type: integer
                maximum: 999999999
                description: Current amount overdue on a trade
              dimensionsNarrativeCodes: 
                $ref: '#/components/schemas/NarrativeCodes'
                    
              dimensionsRawNarrativeCodes: 
                type: array
                description: Raw Dimensions Data naratives. It contains up to 4 narratives
                minItems: 0
                maxItems: 4
                items: 
                  type: string
                  maxLength: 3
                  description: Narrative code
                
              dimensionsAccountDesignatorCode: 
                $ref: '#/components/schemas/AccountDesignatorCode'
                
              dimensionsAccountTypeCode:
                $ref: '#/components/schemas/AccountTypeCode'
    
    OFACAlerts: 
      type: array
      minItems: 0
      maxItems: 5
      description: >
        It will contain data from the Compliance Data Center (CDC)
        
        
        Multiple reports on the same consumer are not available with OFAC Alert. Only the first report is returned. OFAC Alert can be only returned with a Consumer Report and when a No‐Hit on the credit file occurs.
      items: 
        type: object
        properties: 
          revisedLegalVerbiageIndicator: 
            type: string
            maxLength: 1
            description: A value of 2 indicates a revised legal verbiage will be returned
          memberFirmCode:
            type: string
            maxLength: 4
            description: Firm Code from CDC
          cdcTransactionDate:
            description: Date of Compliance Data Center transaction
            allOf:
              - $ref: '#/components/schemas/FullDate'
          cdcTransactionTime: 
            type: string
            maxLength: 6
            example: ["HHMMSS"]
            description: Time of Compliance Data Center transaction
          transactionType: 
            type: string
            maxLength: 1
            description: A value of O indicates OFAC only
          cdcResponseCode: 
            type: string
            maxLength: 1
            description: Indicates CDC database search result
          cdcProblemCode: 
            type: string
            maxLength: 2
            description: Problem code indicates on which government list the entry appeared
          matchCodes: 
            type: string
            maxLength: 6
            description: >
              Match Code identifies which of the input ID information matched the CDC database ID information for the entry being reported. The presence of each code indicates a match on the ID item
          problemReportDate: 
            description: >
              The date the problem was reported
            allOf:
               - $ref: '#/components/schemas/FullDate'
          
          issueSource: 
            type: string
            maxLength: 20
            description: When OFAC information is being reported, this field may contain the blocked country name relating to the match (Belarus, Iran, etc) or a code indicating the OFAC program associated with the match
          issueIDOrReference: 
            type: string
            maxLength: 20
            description: If available, the issue ID, which is the unique OFAC ID code or government listing reference assigned by the U.S. Treasury or other government agency to the match name, is returned
          comment: 
            type: string
            maxLength: 100
            description: >
              A variable field containing either "O" or "V" related to a possible name variation.
              
                - O: Indicates that the hit is a match to the original name used in the inquiry.
              
                - V: Indicates that the hit is the result of Equifax using a name variation - use the OFAC Alert last name to verify. 
              
              This field may also contain miscellaneous information, when available, such as date of birth, passport number, Cedula, Columbia National ID, Place of Birth, etc. The following statement is returned in the last 51 positions of this field for an OFAC Hit\: PLEASE READ MSG BELOW, IF QUESTIONS CALL 8002213758
          subjectName: 
            type: object
            description: OFAC Alert subject name information
            properties: 
              firstName: 
                type: string
                maxLength: 13
                description: Subject's first name
              lastName: 
                type: string
                maxLength: 19
                description: Subject's last name
              middleInitial: 
                type: string
                maxLength: 1
                description: Subject's middle name or initial
          address: 
            type: object
            description: OFAC Alert subject's address information
            properties: 
              primaryAddress: 
                type: string
                maxLength: 30
                description: Subject's street address
              cityName: 
                type: string
                maxLength: 15
                description: City name
              stateAbbreviation: 
                type: string
                maxLength: 2
                description: State name's abbreviation
              zipCode: 
                type: string
                maxLength: 9
                description: Zip code
              OFACCountryCode: 
                type: string
                maxLength: 3
                description: Country code
          legalVerbiage: 
            type: string
            maxLength: 260
            description: Legal Verbiage for an OFAC Hit/No Hit/Error
          dataSegmentRegulated: 
            type: string
            maxLength: 1
            description: N in this field indicates non-regulated data
    CreditReportResponse:
      type: object
      properties:
        status: 
            type: string
            description: Transaction status. It could include some comments related to the transaction
            example: [
              "completed",
              "completed === Request Schema Validation Error"
            ]
            
            
        consumers:
          $ref: '#/components/schemas/ConsumerCreditReport'
        
    ConsumerCreditReport: 
      type: object
      properties: 
        equifaxUSConsumerCreditReport: 
          type: array
          items: 
            type: object
            properties:
              identifier:
                type: string 
                example: ["Primary Report #","Secondary Report #","Individual Report #"]
              
              customerReferenceNumber: 
                type: string 
                maxLength: 20
                description: This field will return a value sent in the request
              
              customerNumber: 
                type: string 
                maxLength: 10
                description: This field returns the same value provided in the request
              consumerReferralCode: 
                type: string
                maxLength: 3
                description: Credit Reporting Agency Number
              multipleReportIndicator: 
                type: string
                maxLength: 1
                description: Indicates if the report contains more than 1 credit report file
              ECOAInquiryType: 
                type: string
                maxLength: 1
                description: Type of inquiry
              outputFormatCode: 
                type: string
                maxLength: 2
                description: The report output format
              numberOfMonthsToCountInquiries: 
                type: string
                maxLength: 1
                description: Number of months inquiried
              hitCode:
                type: object
                description: Hit code
                properties:
                  code: 
                    type: string
                    maxLength: 1
                    description: Code value
                  description:
                    type: string                    
                    description: >
                      - 1: Hit
                      
                      - 2: No-Hit
                      
                      - 3: Manual File (Returned if credit report has been designated by Equifax as manual return only or in response to an on-line prescreen transaction when the file contains a promo block.)
                      
                      - 4: Manual File Review Required - Due to reasons such as unable to deliver Consumer Narrative(s), Fraud/Active Duty Alert(s), or Address Discrepancy Indicator
                      
                      - 5: Referred File (File is under review or file is being referred to another)
                      
                      - 6: Hit and Automated Consumer Narrative
                      
                      - 7: Fraud/Verification Product Being Requested Without Requesting a Credit File
                      
                      - 8: "Thin File" when using Fraud/Verification Products
                      
                      - 9: No-Hit/Auto-DTEC**
                      
                      - A: Consumer Requested Security Freeze on His/Her Credit File Report Unavailable (See Attachment 15 Legislative Information)
                      
                      - C: No-Hit With Information From Additional Data Source(s) Returned
                      
                      - D: Manual File With Information From Additional Data Source(s) Returned
                      
                      - E: Manual Consumer Narrative With Information From Additional Data Source(s) Returned
                      
                      - F: Referred File With Information from Additional Data Source(s) Returned
                      
                      - G: Consumer Requested Security Freeze on His/Her Credit File – Report Unavailable With Information From Additional Data Source(s) Returned (except MarketMax) 
                      
                      - I*: Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery 
                      
                      - J*: Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery – with information from additional data source(s) returned
                      
                      - L*: Consumer Requested Equifax Lock on His/Her Credit File – Report Unavailable
                      
                      - M*: Consumer Requested Equifax Lock on His/Her Credit File – Report Unavailable With Information From Additional Data Source(s) Returned
                      
                      - T: Additional data source being returned without requesting a consumer report 
                      
                      - *:Optional Hit Codes require your customer number to be activated through your Sales Representative.
                      
              
              fileSinceDate: 
                description: >
                  Date file was established. 
                  
                  The File Since Date is not intended to represent the date the consumer first became credit active
                allOf:
                  - $ref: '#/components/schemas/FullDate'
              
              lastActivityDate: 
                description: Date of Last Activity, (i.e. Header Date of most recent activity in file.) 
                allOf:
                  - $ref: '#/components/schemas/FullDate'
              reportDate: 
                description: Date of this report
                allOf:
                  - $ref: '#/components/schemas/FullDate'
              
              subjectName: 
                type: object
                description: Subject's full name
                properties: 
                  firstName: 
                    type: string
                    maxLength: 15
                    description: Subject's first name
                  lastName: 
                    type: string
                    maxLength: 25
                    description: Subject's last name
                  middleName: 
                    type: string
                    maxLength: 15
                    description: Subject's middle name
                  suffix: 
                    type: string
                    maxLength: 2
                    description: Subject's suffix name
              subjectSocialNum: 
                type: string
                maxLength: 9
                description: Subject's Social Security Number (SSN)
              birthDate: 
                description: Date of birth of the primary applicant
                allOf:
                  - $ref: '#/components/schemas/FullDate'
              
              age: 
                type: string
                maxLength: 2
                description: Subject's age
               
              nameMatchFlags: 
                type: object
                description: Flags indicate if the subject's name matches
                properties: 
                  firstNameMatchFlag: 
                    type: string
                    maxLength: 1 
                    description: Flag indicates if the subject's first name matches
                    enum:
                      - Y
                      - N
                  
                  lastNameMatchFlag: 
                    type: string
                    maxLength: 1
                    description: Flag indicates if the subject's last name matches
                    enum:
                      - Y
                      - N
                  middleNameMatchFlag: 
                    type: string
                    maxLength: 1
                    description: Flag indicates if the subject's middle name matches
                    enum:
                      - Y
                      - N
                  suffixMatchFlag: 
                    type: string
                    maxLength: 1
                    description: Flag indicates if the subject's suffix name matches
                    enum:
                      - Y
                      - N
                
              linkIndicator: 
                type: string
                description: >
                  The result of various conditions by the database search using the data submitted in the inquiry, such as
                  
                   - A file with the same name and address is not found, but the social search finds a file believed to be the subject of the search.
                   
                   - Results from a marriage or divorce. The consumer's file has the maiden name and the inquiry has the married name. The same holds true in a divorce case where the consumer reverts to a maiden name
                   
                   - Results of a consumer using a middle name when applying for credit instead of the first name which is the name that resides on the data base.
                   
                   - Results of a consumer using an address that does not currently reside on the consumer's credit file.
              doNotCombineIndicator: 
                type: string
                maxLength: 1
                description: >
                  This indicator may appear on the report for various reasons, such as:
                  
                   - The system encountered a condition where a father/son, brother/brother, or non‐related consumer/consumer files have been mixed by applying a consumer's data to the wrong file.
                   
                   - When a fraud indicator (Q, R, T or V) is placed on the file, the Do Not Combine indicator is placed on the file to avoid the file from combining with a file that may have been created as a result of fraud.
              addressDiscrepancyIndicator: 
                type: string
                maxLength: 1
                description: >
                  Indicates if a substantial difference was found between address(es) submitted in the inquiry and the address(es) already existing on a credit file.
                  
                  
                  The Address Discrepancy Indicator codes that can be returned in the Header element are:
                  
                   - Y: a substantial difference occurred
                   
                   - N: no substantial difference occurred
              fraudSocialNumAlertCode:
                type: object
                description: FraudIQ™ SSN Alert compares the inquiry social security number and returns a flag to alert customers
                properties:
                  code: 
                    type: string
                    maxLength: 1
                    description: Code value
                  description:
                    type: string
                    description: >
                      FLAG FLAG VERBIAGE DESCRIPTION
                      
                      - A: Inquiry SSN is associated with another consumer - SSN Mismatch
                        The social security number provided in the inquiry matches
                        to another consumer on the Equifax database. A credit file
                        is returned for the consumer name and address provided,
                        however the social security number on that file is different
                        from the social security number provided on the inquiry.
                        
                      - B: Inquiry SSN not present 
                        Inquiry did not contain a social security number, 
                        therefore no comparison can be made.
                          
                      - N: No Alert available
                        The social security number provided in the inquiry 
                        cannot be matched to a specific consumer based
                        on the Equifax proprietary comparison algorithm.
                        
                      - P: Inquiry SSN is associated with the consumer
                        The social security number provided in the inquiry
                        matches to the requested consumer.
                        
                      - V*: SSN affirm variation 
                        Inquiry ssn has a slight variation with consumer. 
                        The social security number provided in the inquiry
                        has a slight variation to the requested consumer.
                        
                      - W: Inquiry SSN is associated with another consumer
                        The social security number provided in the inquiry
                        matches to another consumer in the Equifax database. 
                        No credit file is available for the requested consumer.
                        
                      - *: Optional code – requires that your Equifax Customer Number be activated to
                        be returned when encountered.  
                  
              impactedDataIndicator:
                type: string
                maxLength: 1
                enum: 
                  - Y
                  - N
                  - U
                description: >
                  Are you impacted by the Equifax Breach?
                  
                  - Y: SSN likely impacted
                  
                  - N: SSN unlikely impacted
                  
                  - U: SSN impact cannot be determined
              
              fraudVictimIndicator:
                type: object
                description: Indicates fraud victim alert type
                properties:
                  code: 
                    type: string
                    maxLength: 1
                    description: Code value
                  description:
                    type: string                    
                    description: >
                      The following indicator codes can be returned in the Header segment:
                         - N: Active Duty Alert
                         - Q: Active Duty Alert with Fraud Victim “Initial Alert”
                         - R: Active Duty Alert with Fraud Victim T (police report)
                         - T: Fraud Victim (associated with trade)
                         - V: Fraud Victim “Initial Alert”
                         - W: Active Duty Alert with Fraud Victim “Extended Alert”
                         - X: Fraud Victim “Extended Alert”
                      
                      Consumers or their representatives may request that an Initial Fraud Alert or, if the consumer is a member of the military on active duty, an Active Duty Alert be placed on their credit file. The Initial Fraud Alert will remain on the credit file for one year (366 days); the Active Duty Alert will remain on file for twelve months. Equifax will return an “N”, “Q”, or “V”, as applicable, in the Header segment.
                      
                      A user receiving a report containing an Initial Fraud Alert or Active Duty Alert may not grant credit without first determining the identity of the person making the request. If the consumer has provided a telephone number, it will be returned in a second Consumer Narrative Statement segment or Alert Contact segment and must be used for identity verification purposes before granting credit.
                
              addresses: 
                type: array
                description: It contains Equifax report data pertaining to the subject's addresses 
                minItems: 1
                maxItems: 10
                items: 
                  $ref: '#/components/schemas/Address'
            
              identityScan:
                type: object
                description: >
                  It contains the FraudIQ Identity Scan Alert information.
                  
                  
                  FraudIQ Identity Scan Alert is an optional product offered by Equifax. Please contact your Equifax Sales Associate for additional information and activation of your Identity Scan Alert option.
                properties:
                  alertCodes:
                    type: array
                    description: It contains up to 15 Identity Scan Alert codes
                    minItems: 0
                    maxItems: 15
                    items:
                      type: object
                      description: Describes the Identity Scan Alerts
                      properties:
                        code:
                          type: string
                          maxLength: 1
                          description: Code value
                        description:
                          type: string
                          description: >
                            Description for the given code
                              - A: INQUIRY SSN HAS NEVER BEEN ISSUED OR WAS ISSUED AFTER JUNE 2011
                              - B: INQUIRY SSN REPORTED AS MISUSED
                              - C: INQUIRY ADDRESS ASSOCIATED WITH MORE THAN ONE NAME OR SSN
                              - D: INQUIRY ADDRESS UNVERIFIABLE
                              - G: INQUIRY ADDRESS IS LISTED AS A U.S. POST OFFICE STREET ADDRESS
                              - H: INQUIRY ADDRESS IS LISTED AS A CAMPGROUND
                              - I: INQUIRY SSN ASSOCIATED WITH PERSON REPORTED AS DECEASED
                              - J: INQUIRY ADDRESS IS LISTED AS A HOTEL/MOTEL
                              - L: FRAUD VICTIM ALERT PRESENT IN DATABASE
                              - M: INQUIRY SSN ISSUED RECENTLY
                              - N: ACTIVE DUTY ALERT PRESENT IN DATABASE
                              - O: INQUIRY SSN ISSUED PRIOR TO INQUIRY DATE OF BIRTH
                              - P: INQUIRY ADDRESS IS LISTED AS A CORRECTIONAL INSTITUTION ADDRESS
                              - Q: INQUIRY SSN REPORTED AS DECEASED AND LAST NAME DOES NOT MATCH
                              - R: INQUIRY ADDRESS IS NOT ASSOCIATED WITH THIS CONSUMER NAME
                              - S: IDENTITY SCAN DID NOT DETECT ANY ALERTS
                              - W: INQUIRY ADDRESS IS LISTED AS A NON-RESIDENTIAL ADDRESS
                              - X: INQUIRY ADDRESS ASSOCIATED WITH REPORTED FRAUD
                              - Y: INQUIRY TELEPHONE NUMBER LISTED AS A COMMERCIAL PHONE
                              - Z: INQUIRY ADDRESS IS LISTED AS A MAIL RECEIVING SERVICE
                              - 0: INCOMPLETE SCAN - LIMITED DATA SOURCES AVAILABLE
                              - 1: INQUIRY ADDRESS IS LISTED AS A MULTI-DWELLING UNIT
                              - 2: INQUIRY ADDRESS HAS BEEN REPORTED AS MISUSED
                              - 4: INQUIRY SSN MAY BE A TAX ID NUMBER
                              - 5: INQUIRY TELEPHONE NUMBER MAY BELONG TO A MOBILE PHONE
                              - 7: UNABLE TO PERFORM SSN VALIDATION DUE TO INSUFFICIENT SSN INPUT
                              - 8: UNABLE TO PERFORM TELEPHONE VALIDATION DUE TO INSUFFICIENT TELEPHONE INPUT
                              - 9: INQUIRY SSN IS INVALID
                                                          
                  identityScanRegulated:
                    type: string
                    maxLength: 1
                    description: byte that distinguished ID Scan is Non-regulated
              formerNames: 
                type: array
                description: It contains any former name of the subject
                minItems: 0
                maxItems: 99
                items: 
                  type: object
                  properties: 
                    lastName: 
                      type: string
                      maxLength: 25
                      description: Subject's former last name
                    firstName: 
                      type: string
                      maxLength: 15
                      description: Subject's former first name
                    middleInitial: 
                      type: string
                      maxLength: 15
                      description: Subject's former middle name
                    suffix: 
                      type: string
                      maxLength: 2
                      description: Subject's former suffix
              deathDate: 
                $ref: '#/components/schemas/PartialDate'
              
              employments: 
                type: array
                minItems: 0
                maxItems: 3
                description: It contains information to the subject's employments
                items: 
                  type: object
                  properties: 
                    identifier: 
                      type: string
                      maxLength: 12
                      description: It describes the type of employment
                      example: ["current","former","secondFormer"]
                    
                    occupation: 
                      type: string
                      maxLength: 35
                      description: Subject's occupation
                    
                    employer: 
                      type: string
                      maxLength: 35
                      description: Employer's name
                   
                    dateLastReported: 
                      $ref: '#/components/schemas/PartialDate'
                    
                    dateFirstReported: 
                      $ref: '#/components/schemas/PartialDate'
                    
              otherIdentification:
                type: array
                minItems: 0
                maxItems: 99
                description: It contains information related to other identification
                items:
                    type: object
                    properties:
                      dateReported:
                        description: Date the other identification was reported to Equifax
                        allOf:
                          - $ref: '#/components/schemas/FullDate'
                      
                      typeCode:
                        type: object
                        description: The type of identification
                        properties:
                          code:
                            type: string
                            maxLength: 1
                            description: Code value
                          
                          description:
                            type: string
                            description: >
                              
                               - C: S.I.N.
                               
                               - S:  SSN
                               
                               - T: TAX ID
                        
                      identificationNumber:
                        type: string
                        maxLength: 35
                        description: Identification number
                      reasonCode:
                        type: object
                        description: Reason code
                        properties:
                          code:
                            type: string
                            maxLength: 1
                            description: Code value
                          
                          description:
                            type: string
                            description: >
                              Reason codes
                              
                              - B: Tax ID Number
                              
                              - C: Minor child
                              
                              - E: S.I.N. (Canadian Social Insurance Number)
                              
                              - V: Variation
                        
              bankruptcies: 
                type: array
                minItems: 0
                maxItems: 99
                description: Public record information as it pertains to bankruptcy
                items: 
                  $ref: '#/components/schemas/Bankruptcy'
              collections: 
                type: array
                minItems: 0
                maxItems: 99
                items:
                  $ref: '#/components/schemas/Collection'
              fileIdentificationNumber:
                type: string
                maxLength: 18
                description: >
                  Provides the consumer's unique file identification number. 
                 
                  The return of the File Identification Number is an optional feature offered by Equifax. 
                  Contact your Equifax Sales Associate for additional information and activation.
              alertContacts: 
                type: array
                description: >
                  Contains contact information for the consumer when a Fraud or Active Duty Alert is on the report. If the credit file contains a Consumer Statement, the Alert Contact information will follow the Consumer Statement on file. A Consumer Statement may be returned regardless of a Fraud or Active Duty Alert being on file (such as when a consumer is explaining his/her circumstances for filing bankruptcy). The Consumer Statement will continue to be returned on those consumer reports.
                minItems: 0
                maxItems: 2
                items: 
                  type: object
                  properties: 
                    alertType:
                      type: object
                      description: Types of reported alerts
                      properties:
                        code:
                          type: string
                          maxLength: 1
                          description: Code value
                        
                        description:
                          type: string                          
                          description: >
                            
                             - E: Extended Fraud
                             
                             - L: Initial Fraud
                             
                             - M: Military

                    dateReported: 
                      description: Date of reported alert
                      allOf:
                        - $ref: '#/components/schemas/FullDate'
                    
                    effectiveDate: 
                      description: Date the contact info became effective
                      allOf:
                        - $ref: '#/components/schemas/FullDate'
                    
                    status: 
                      type: string
                      maxLength: 1
                      description: >
                      
                        - N: No Contact Information Provided
                    telephoneNumbers: 
                      type: array
                      minItems: 0
                      maxItems: 3
                      items: 
                        type: object
                        description: Contact's telephone information
                        properties: 
                          telephoneNumberType:
                            type: object
                            description: Types of telephone numbers
                            properties:
                              code:
                                type: string
                                maxLength: 1
                                description: Code value
                              
                              description:
                                type: string                                
                                description: >
                                  
                                   - C: Cellular
                                   
                                   - D: Daytime
                                   
                                   - E: Evening
                                   
                                   - P: Pager
                            
                          countryCode: 
                            type: string
                            maxLength: 4
                            description: the telephone's country code
                          telephoneNumber: 
                            $ref: '#/components/schemas/TelephoneNumber'
                          extension: 
                            type: string
                            maxLength: 5
                            description: Telephone extension if it's present
                    address: 
                      $ref: '#/components/schemas/AlertContactAddress'
                    additionalInformation: 
                      type: string
                      maxLength: 100
                      description: Free text with extra info regarding the contact
              trades: 
                type: array
                minItems: 0
                maxItems: 198
                items:
                  $ref: '#/components/schemas/Trade'
              inquiries: 
                type: array
                minItems: 0
                maxItems: 198
                items: 
                  type: object
                  properties: 
                    type: 
                      type: string
                      description: Inquiries from customers requesting Equifax credit reports and other products
                      example: [
                        "inquiryfileInquiry"
                      ]
                    
                    industryCode: 
                      title: IndustryCode
                      type: string
                      description: Customer's industry code
                    inquiryDate: 
                      description: Date of inquiry
                      allOf:
                        - $ref: '#/components/schemas/FullDate'
                    
                    customerNumber: 
                      type: string
                      maxLength: 18
                      description: Customer's member number who made the inquiry
                    customerName: 
                      type: string
                      maxLength: 20
                      description: Customer's name who made the inquiry
                    
                    expandedAccountTypeOrInquiryIntent:
                      $ref: '#/components/schemas/AccountTypeCode'
              consumerStatements: 
                type: array
                description: Show consumer comments about the report information. A maximum of 99 Consumer Statements can be returned
                minItems: 0
                maxItems: 99
                items: 
                  type: object
                  properties: 
                    dateReported: 
                      $ref: '#/components/schemas/PartialDate'
                    datePurged: 
                      $ref: '#/components/schemas/PartialDate'
                    statement: 
                      type: string
                      maxLength: 495
                      description: Consumer Statement text
              models: 
                type: array
                description: >
                  Specific Scoring Model being requested by the customer (optional)
                  
                  Risk-Based Pricing score information, Dodd Frank, MarketMax, Models and ID Score - Risk are optional services. 
                  Please contact your Equifax Sales Associate for additional information and activation of optional services.
                minItems: 0
                maxItems: 101
                items: 
                  type: object
                  properties: 
                    type:
                      type: string
                      description: Determine what type of model is
                      enum: 
                        - EDAS
                        - FICO
                        - MARKETMAX
                        - IDSCORE
                        - MODEL
                        - RBP
                        - DODDFRANK
                      example: [
                          "EDAS","FICO","MARKETMAX","IDSCORE","MODEL","RBP","DODDFRANK"
                      ]
                    
                    modelNumber: 
                      type: string
                      maxLength: 5
                      description: Model number code
                    FICOScoreIndicatorCode:
                      type: object
                      description: FICO Score Indicator
                      properties:
                        code:
                          type: string
                          maxLength: 1
                          description: Code value
                        
                        description:
                          type: string                          
                          description: > 
                            NF = Non‐FACTA; F = FACTA version
                              - S: FICO® Score 9 based on Equifax Data (NF)
                              - 4: FICO® Auto Score 9 based on Equifax Data (NF)
                              - 8: FICO® Bankcard Score 9 based on Equifax Data (NF)
                              - V: FICO® Risk Score 9 based on Equifax Data (F)
                              - @: FICO® Auto Score 9 based on Equifax Data (F)
                              - $: FICO® Bankcard Score 9 based on Equifax Data (F)
                              - 9: FICO® Score 8 based on Equifax Data (NF)
                              - C: FICO® Auto Score 8 based on Equifax Data (NF)
                              - D: FICO® Bankcard Score 8 based on Equifax Data (NF)
                              - O: FICO® Mortgage Score 8 based on Equifax Data (NF)
                              - G: FICO® Score 8 based on Equifax Data (F)
                              - H: FICO® Auto Score 8 based on Equifax Data (F)
                              - X: FICO® Bankcard Score 8 based on Equifax Data (F)
                              - Q: FICO® Mortgage Score 8 based on Equifax Data (F)
                              - J: FICO® Score 5 based on Equifax Data (NF)
                              - K: FICO® Auto Score 5 based on Equifax Data (NF)
                              - L: FICO® Bankcard Score 5 based on Equifax Data (NF)
                              - M: FICO® Personal Finance Score 5 based on Equifax Data (NF)
                              - N: FICO® Installment Score 5 based on Equifax Data (NF)
                              - Z: FICO® Score 5 based on Equifax Data (F)
                              - R: FICO® Auto Score 5 based on Equifax Data (F)
                              - W: FICO® Bankcard Score 5 based on Equifax Data (F)
                              - U: FICO® Personal Finance Score 5 based on Equifax Data (F)
                              - P: FICO® Installment Score 5 based on Equifax Data (F) 
                              
                      
                    score: 
                      type: integer
                      maximum: 99999
                      description: Numeric score returned by the model requested by the customer
                    reasons: 
                      type: array
                      description: Reason codes for the score that was returned
                      minItems: 0
                      maxItems: 4
                      items: 
                        type: object
                        properties:
                          code: 
                            type: string
                            description: Code value
                            
                          description:
                            type: string
                            description: > 
                              Description for the given code
                              
                              Score Reason corresponding to Model Number 02781
                                - 00001: Number of Consumer Initiated Inquiries in the Past 6 Months
                                - 00002: Number of Consumer Initiated Finance Company Inquiries in the Past 24 Months
                                - 00003: Length of Time Accounts Have Been opened
                                - 00006: Accounts Reported in the Past 12 Months
                                - 00007: Total Amount of Available Credit on All Accounts reported in the past 12 months
                                - 00008: Number of Accounts With Past Due Balances
                                - 00009: Current Delinquent Rating Reported
                                - 00011: Number of Accounts With High Balances
                                - 00013: Total Outstanding Balances on Bank Revolving Accounts
                                - 00014: Total Available Line of Credit on Bank Revolving Accounts Reported in the Past 12 Months
                                - 00015: Length of Time Bank Revolving Accounts Have Been opened
                                - 00019: Number of Bank Revolving Accounts With High Balances
                                - 00024: Utilization of Available Credit on Accounts
                                - 00025: Utilization of Available Credit on Bank Revolving Accounts
                                - 00026: Utilization of Available Credit on Department Store Accounts
                                - 00031: Number of Credit Union Accounts ever reported 60+ days past due
                                - 00032: Percent of Accounts Reported in the Past 12 Months versus Total Accounts on File
                                - 00033: Percent of Bank Revolving Accounts Reported in the Past 12 Months versus Total Bank Revolving Accounts on File
                                - 00035: Number of Accounts ever reported 30 + days past due
                                - 00040: Number of Accounts Currently Reported 90+ days past due
                                - 00041: Percent of Bank Revolving Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00042: Percent of Department Store Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00043: Percent of Bank Installment Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00049: Percent of Accounts Open in the past 6 months versus total accounts reported in the past 12 months
                                - 00051: Time Since Most Recent Derogatory Public Record Filed
                                - 00052: Number of Derogatory Public Records in the Past 24 Months
                                - 00053: Number of Collection Items Reported
                                - 00054: Number of Credit Union Accounts ever reported 30+ days past due
                                - 00055: Total Outstanding Balances on Department Store Accounts reported in the past 12 months
                                - 00058: Number of Credit Union Accounts ever Paid as Agreed
                                - 00060: Number of Finance Company Accounts reported in the past 12 months
                                - 00061: Number of Derogatory Public Records Items on File
                                - 00062: Number of Accounts reported 30+ days past due the past 24 Months
                                - 00064: Number of Accounts currently paid As Agreed
                                - 00066: Number of Accounts ever reported As Bad Debt
                                - 00071: Number of Accounts with Low Balance reported in the past 12 months
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00076: Percent of Credit Union Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months
                                - 00082: Total Available Line of Credit on Consumer Finance Accounts Reported in the Past 12 Months
                                - 00089: Length of Time Department Store Accounts Have Been opened
                                - 00090: Number of Department Store Accounts With High Balances
                                - 00091: Number of Finance Company Accounts With High Balances
                                - 00094: Number of Bank Revolving Accounts with Past Due Balances
                                - 00103: Number of Bank Revolving Accounts Reported 90-120 days past due in the Past 24 Months
                                - 00106: Amount of Average Balance on Revolving Accounts
                                - 00119: Number of Accounts Opened in the Past 6 Months
                                - 00121: Number of Credit Union Accounts currently Past Due
                                - 00122: Number of Bank Rev. Accounts reported 30+ days past due in the past 24 months
                                - 00124: Number of accounts reported 60 days + late in the past 24 months and Number of Public Records Ever
                                - 00129: Number of Accounts Reported Bad Debt in the Past 24 Months or Derogatory Public Records
                                - 00132: Number of Accounts Ever Reported 90 - 120 days past due
                                - 00133: Number of Bank Revolving Accounts Currently Reported as 60+ days past due
                                - 00134: Amount Past Due on Department Store Accounts with Reported Late Payments
                                - 00135: Total maximum credit on revolving trades reported in the past 6 months
                                - 00140: Number of Accounts currently paid as agreed with outstanding balances
                                - 00141: Number of Accounts ever reported 30 or 60 days past due
                                - 00142: Total Balance on All Accounts reported in the past 12 months
                                - 00144: Number of Bank Revolving accounts Reported 60 Days past due in the past 24 Months
                                - 00146: Total balances for revolving accounts reported in the past 12 months
                                - 00147: Number of Department Store Accounts Currently 90-120 Days Past Due
                                - 00148: Number of Retail Accounts Reported in the past 12 months
                                - 00149: Number of Auto Finance Accounts Ever paid as agreed
                                - 00152: Number of Auto finance Accounts reported in the past 12 months
                                - 00154: Number of Credit Union Accounts ever reported 90-120 days past due
                                - 00156: Number of Bank Revolving Accounts currently paid as agreed with outstanding balances
                                - 00157: Number of Accounts Currently Reported 30 days past due
                                - 00159: Number of Credit Union Accounts
                                - 00161: Number of Personal Finance accounts past due
                                - 00163: Number of Bank Installment accounts currently Past Due
                                - 00164: Number of Auto Finance accounts Currently Past Due
                                - 00167: Number of Finance Trade ever reported 30+ days past due
                                - 00168: Number of accounts opened in the past 24 months
                                - 00169: Percentage of Accounts paid as Agreed
                                - 00171: Number of Opened Accounts
                                - 00173: Amount Currently Past Due on Accounts
                                - 00175: Amount Past Due For Bank Revolving Accounts
                                - 00178: Number of Auto Finance Accounts
                                - 00179: Number of Consumer Finance accounts reported in the past 12 months
                                - 00182: Number of Personal Finance Accounts
                                - 00184: Total Available Line of Credit on Department Store Accounts Reported in the Past 12 Months
                                - 00186: Number of Department Store Accounts currently paid as agreed with outstanding balances
                                - 00189: Total Balance on Revolving Accounts reported in the past 6 Months
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Accounts Information
                                - 00192: Lack of Recently Reported Retail Account Information
                                - 00193: Lack of Recently Reported Auto Finance Account Information
                                - 00194: Lack of Recently Reported Bank Installment Account Information
                                - 00195: Lack of Recently Reported Department Store Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                - 00200: Lack of Recently Reported Account Information
                                - 00201: No Recent Public Record Information Available
                                - 00202: Number of Accounts Currently Reported 60 days past due
                                - 00203: Number of Department Store Accounts Ever Reported 30 or 60 days past due
                                - 00242: Number of Bank Revolving Accounts Ever Paid as Agreed
                                - 00249: Number of Bank Revolving Accounts Reported in the Past 12 Months with Outstanding Balances
                                - 00282: Number of Bank Revolving Accounts Ever Reported 30+ days past due
                                - 00283: Number of Department Store Accounts Ever Reported 30+ days past due
                                - 00297: Length of Time Since Most Recent Bank Revolving Account Opened
                                - 00317: Number of Other 'Retail Accounts' Reported as Bad Debt ever
                                - 00323: Number of Accounts Reported 90+ days past due/Derogatory Public Records Filed in the Past 24 months
                                - 00325: Number of Consumer Initiated bank Inquiries in the Past 12 Months
                                - 00326: Number of Bank revolving accounts Reported 30 Days Past Due in the Past 24 Months
                                - 00331: Number of Bank installment loans ever reported as bad debt
                                - 00337: Number of Retail Accounts ever reported 30+ days late
                                - 00345: Number of Bank Revolving Accounts Reported in the Past 12 months
                                - 00346: Lack of recently reported personal finance information
                                - 00352: Number of Dept Store accounts currently 60 days delinquent or worse
                                - 00353: Percent of active auto trades to total active trades
                                - 00354: Total High Credit of Open Bank Installment Trades in Last 12 months
                                - 00356: Lack of Recently Reported Consumer Finance Information
                                - 00359: Lack of Recently Reported Inquiry Information
                                - 00360: Lack of Recently Reported Bankcard Information
                                - 00361: Lack of Recently Reported Installment Account Information
                                - 00363: Number of 30 day delinquencies on Revolving accounts within last 12 months
                                - 00364: Number of 30 day delinquencies on installment accounts within last 12 months
                                - 00366: Number of 60 day delinquencies on Revolving accounts within last 12 months
                                - 00367: Number of 60 day delinquencies on installment accounts within last 12 months
                                - 00369: Number of 90 day delinquencies on Revolving accounts within last 12 months
                                - 00370: Number of 120-180 day delinquencies on Bankcards within last 12 months
                                - 00372: Number of major derogatory items on bankcards within last 12 months
                                - 00373: Number of major derogatory items on revolving accounts within last 12 months
                                - 00374: Number of bankcards reported within last 3 months with balance
                                - 00375: Number of revolving trades reported within last 3 months with balance
                                - 00376: Number of consumer initiated inquiries in past 3 months
                                - 00378: Balance on all open accounts reported in last 3 months
                                - 00380: Number of revolving trades with past due balances
                                - 00381: Total amount currently past due
                                - 00383: Total amount past due reported on installment accounts within last 3 months
                                - 00384: Number of open bankcards
                                - 00385: Number of open revolving accounts
                                - 00386: Total balance for open bankcards
                                - 00387: Total balance for open revolving accounts
                                - 00390: Total high credit for open revolving accounts
                                - 00392: Number of past due bankcards
                                - 00394: Number of open bankcards with alance greater than or equal to 75% of high credit reported in last 3 months
                                - 00395: Number of open revolving accounts with balance greater than or equal to 75% of high credit reported in last 3 months
                                - 00396: Number of open department store accounts with balance greater than or equal to 75% of high credit
                                - 00398: Number of open revolving accounts with balance greater than or equal to 50% of high credit
                                - 00400: Number of open installment accounts
                                - 00401: Number of open retail accounts
                                - 00403: Number of open credit union accounts
                                - 00404: Number of open personal finance accounts
                                - 00405: Number of installment accounts with past due balances reported in last 3 months
                                - 00406: Percent of bankcards reported satisfactory to total number of bankcards
                                - 00407: Percent of revolving accounts reported satisfactory to total revolving accounts
                                - 00408: Number of installment accounts ever 60+ days delinquent
                                - 00409: Number of auto finance accounts ever 60+ days delinquent
                                - 00411: Number of revolving accounts ever 90+ days delinquent
                                - 00412: Number of bankcards ever 90+ days delinquent
                                - 00414: Number of personal finance accounts ever 90+ days delinquent
                                - 00415: Number of installment accounts ever 30+ days delinquent
                                - 00416: Number of auto finance accounts ever 30+ days delinquent
                                - 00417: Number of revolving accounts ever 30+ days delinquent
                                - 00420: Number of 3rd party collections within last 24 months
                                - 00422: Number of 3rd party collections within last 12 months
                                - 00425: Number of Accounts With Past Due Balances reported in last 3 months
                                - 00426: Number of Open Department Store Accounts
                                - 00427: Number of Accounts Ever Reported 30+ Days Past Due
                                - 00428: Lack of Recently Reported Collection Information
                                - 00431: Number of Trades Currently reported Bad Debt
                                - 00432: Balance on Consumer Finance Trades
                                - 00433: Number of Bank Revolving Accounts Paid As Agreed
                                - 00434: Number of Bank Revolving Accounts Currently 30 day delinquent
                                - 00435: Number of Consumer Finance Trades Currently 90-120 delinquent
                                - 00436: Number of Consumer Finance Trades Ever Paid as Agreed
                                - 00437: Number Bank Revolving Trades Ever Bad Debt
                                - 00438: Number of Open Automotive Trades
                                - 00439: Number of Personal Finance Trades Ever 30 days delinquent
                                - 00440: Number of Auto Trades Ever Bad Debt
                                - 00441: Number of Auto Finance Trades Ever Bad Debt
                                - 00442: Number of Auto Finance Trades Ever 90+
                                - 00443: Total Balance on Open Bank Installment Trades
                                - 00444: Utilization on Bank Installment Trades
                                - 00445: Number of Personal Finance Trades Ever Satisfactory
                                - 00446: Number of Credit Union Trades Ever Bad Debt
                                - 00450: Number of Consumer Finance trades 90-120 days past due in past 24 months
                                - 00451: Number of Auto Finance Trades Ever 90-120 days delinquent
                                - 00453: Number of Personal Finance Trades Ever 90 - 120 days delinquent
                                - 00454: Number of Other Retail Trades Ever 30+
                                - 00455: Number of Personal Finance Trades Ever 30+
                                - 00456: Amount of Average Balance on Revolving Trades
                              
                              Score Reason corresponding to Model Number 02782
                                - 00001: Number of Consumer Initiated Inquiries in the Past 6 Months
                                - 00002: Number of Consumer Initiated Finance Company Inquiries in the Past 24 Months
                                - 00003: Length of Time Accounts Have Been opened
                                - 00006: Accounts Reported in the Past 12 Months
                                - 00007: Total Amount of Available Credit on All Accounts reported in the past 12 months
                                - 00008: Number of Accounts With Past Due Balances
                                - 00009: Current Delinquent Rating Reported
                                - 00011: Number of Accounts With High Balances
                                - 00013: Total Outstanding Balances on Bank Revolving Accounts
                                - 00014: Total Available Line of Credit on Bank Revolving Accounts Reported in the Past 12 Months
                                - 00015: Length of Time Bank Revolving Accounts Have Been opened
                                - 00019: Number of Bank Revolving Accounts With High Balances
                                - 00024: Utilization of Available Credit on Accounts
                                - 00025: Utilization of Available Credit on Bank Revolving Accounts
                                - 00026: Utilization of Available Credit on Department Store Accounts
                                - 00031: Number of Credit Union Accounts ever reported 60+ days past due
                                - 00032: Percent of Accounts Reported in the Past 12 Months versus Total Accounts on File
                                - 00033: Percent of Bank Revolving Accounts Reported in the Past 12 Months versus Total Bank Revolving Accounts on File
                                - 00035: Number of Accounts ever reported 30 + days past due
                                - 00040: Number of Accounts Currently Reported 90+ days past due
                                - 00041: Percent of Bank Revolving Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00042: Percent of Department Store Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00043: Percent of Bank Installment Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00049: Percent of Accounts Open in the past 6 months versus total accounts reported in the past 12 months
                                - 00051: Time Since Most Recent Derogatory Public Record Filed
                                - 00052: Number of Derogatory Public Records in the Past 24 Months
                                - 00053: Number of Collection Items Reported
                                - 00054: Number of Credit Union Accounts ever reported 30+ days past due
                                - 00055: Total Outstanding Balances on Department Store Accounts reported in the past 12 months
                                - 00058: Number of Credit Union Accounts ever Paid as Agreed
                                - 00060: Number of Finance Company Accounts reported in the past 12 months
                                - 00061: Number of Derogatory Public Records Items on File
                                - 00062: Number of Accounts reported 30+ days past due the past 24 Months
                                - 00064: Number of Accounts currently paid As Agreed
                                - 00066: Number of Accounts ever reported As Bad Debt
                                - 00071: Number of Accounts with Low Balance reported in the past 12 months
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00076: Percent of Credit Union Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months
                                - 00082: Total Available Line of Credit on Consumer Finance Accounts Reported in the Past 12 Months
                                - 00089: Length of Time Department Store Accounts Have Been opened
                                - 00090: Number of Department Store Accounts With High Balances
                                - 00091: Number of Finance Company Accounts With High Balances
                                - 00094: Number of Bank Revolving Accounts with Past Due Balances
                                - 00103: Number of Bank Revolving Accounts Reported 90-120 days past due in the Past 24 Months
                                - 00106: Amount of Average Balance on Revolving Accounts
                                - 00119: Number of Accounts Opened in the Past 6 Months
                                - 00121: Number of Credit Union Accounts currently Past Due
                                - 00122: Number of Bank Rev. Accounts reported 30+ days past due in the past 24 months
                                - 00124: Number of accounts reported 60 days + late in the past 24 months and Number of Public Records Ever
                                - 00129: Number of Accounts Reported Bad Debt in the Past 24 Months or Derogatory Public Records
                                - 00132: Number of Accounts Ever Reported 90 - 120 days past due
                                - 00133: Number of Bank Revolving Accounts Currently Reported as 60+ days past due
                                - 00134: Amount Past Due on Department Store Accounts with Reported Late Payments
                                - 00135: Total maximum credit on revolving trades reported in the past 6 months
                                - 00140: Number of Accounts currently paid as agreed with outstanding balances
                                - 00141: Number of Accounts ever reported 30 or 60 days past due
                                - 00142: Total Balance on All Accounts reported in the past 12 months
                                - 00144: Number of Bank Revolving accounts Reported 60 Days past due in the past 24 Months
                                - 00146: Total balances for revolving accounts reported in the past 12 months
                                - 00147: Number of Department Store Accounts Currently 90-120 Days Past Due
                                - 00148: Number of Retail Accounts Reported in the past 12 months
                                - 00149: Number of Auto Finance Accounts Ever paid as agreed
                                - 00152: Number of Auto finance Accounts reported in the past 12 months
                                - 00154: Number of Credit Union Accounts ever reported 90-120 days past due
                                - 00156: Number of Bank Revolving Accounts currently paid as agreed with outstanding balances
                                - 00157: Number of Accounts Currently Reported 30 days past due
                                - 00159: Number of Credit Union Accounts
                                - 00161: Number of Personal Finance accounts past due
                                - 00163: Number of Bank Installment accounts currently Past Due
                                - 00164: Number of Auto Finance accounts Currently Past Due
                                - 00167: Number of Finance Trade ever reported 30+ days past due
                                - 00168: Number of accounts opened in the past 24 months
                                - 00169: Percentage of Accounts paid as Agreed
                                - 00171: Number of Opened Accounts
                                - 00173: Amount Currently Past Due on Accounts
                                - 00175: Amount Past Due For Bank Revolving Accounts
                                - 00178: Number of Auto Finance Accounts
                                - 00179: Number of Consumer Finance accounts reported in the past 12 months
                                - 00182: Number of Personal Finance Accounts
                                - 00184: Total Available Line of Credit on Department Store Accounts Reported in the Past 12 Months
                                - 00186: Number of Department Store Accounts currently paid as agreed with outstanding balances
                                - 00189: Total Balance on Revolving Accounts reported in the past 6 Months
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Accounts Information
                                - 00192: Lack of Recently Reported Retail Account Information
                                - 00193: Lack of Recently Reported Auto Finance Account Information
                                - 00194: Lack of Recently Reported Bank Installment Account Information
                                - 00195: Lack of Recently Reported Department Store Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                - 00200: Lack of Recently Reported Account Information
                                - 00201: No Recent Public Record Information Available
                                - 00202: Number of Accounts Currently Reported 60 days past due
                                - 00203: Number of Department Store Accounts Ever Reported 30 or 60 days past due
                                - 00242: Number of Bank Revolving Accounts Ever Paid as Agreed
                                - 00249: Number of Bank Revolving Accounts Reported in the Past 12 Months with Outstanding Balances
                                - 00282: Number of Bank Revolving Accounts Ever Reported 30+ days past due
                                - 00283: Number of Department Store Accounts Ever Reported 30+ days past due
                                - 00297: Length of Time Since Most Recent Bank Revolving Account Opened
                                - 00317: Number of Other 'Retail Accounts' Reported as Bad Debt ever
                                - 00323: Number of Accounts Reported 90+ days past due/Derogatory Public Records Filed in the Past 24 months
                                - 00325: Number of Consumer Initiated bank Inquiries in the Past 12 Months
                                - 00326: Number of Bank revolving accounts Reported 30 Days Past Due in the Past 24 Months
                                - 00331: Number of Bank installment loans ever reported as bad debt
                                - 00337: Number of Retail Accounts ever reported 30+ days late
                                - 00345: Number of Bank Revolving Accounts Reported in the Past 12 months
                                - 00346: Lack of recently reported personal finance information
                                - 00352: Number of Dept Store accounts currently 60 days delinquent or worse
                                - 00353: Percent of active auto trades to total active trades
                                - 00354: Total High Credit of Open Bank Installment Trades in Last 12 months
                                - 00356: Lack of Recently Reported Consumer Finance Information
                                - 00359: Lack of Recently Reported Inquiry Information
                                - 00360: Lack of Recently Reported Bankcard Information
                                - 00361: Lack of Recently Reported Installment Account Information
                                - 00363: Number of 30 day delinquencies on Revolving accounts within last 12 months
                                - 00364: Number of 30 day delinquencies on installment accounts within last 12 months
                                - 00366: Number of 60 day delinquencies on Revolving accounts within last 12 months
                                - 00367: Number of 60 day delinquencies on installment accounts within last 12 months
                                - 00369: Number of 90 day delinquencies on Revolving accounts within last 12 months
                                - 00370: Number of 120-180 day delinquencies on Bankcards within last 12 months
                                - 00372: Number of major derogatory items on bankcards within last 12 months
                                - 00373: Number of major derogatory items on revolving accounts within last 12 months
                                - 00374: Number of bankcards reported within last 3 months with balance
                                - 00375: Number of revolving trades reported within last 3 months with balance
                                - 00376: Number of consumer initiated inquiries in past 3 months
                                - 00378: Balance on all open accounts reported in last 3 months
                                - 00380: Number of revolving trades with past due balances
                                - 00381: Total amount currently past due
                                - 00383: Total amount past due reported on installment accounts within last 3 months
                                - 00384: Number of open bankcards
                                - 00385: Number of open revolving accounts
                                - 00386: Total balance for open bankcards
                                - 00387: Total balance for open revolving accounts
                                - 00390: Total high credit for open revolving accounts
                                - 00392: Number of past due bankcards
                                - 00394: Number of open bankcards with alance greater than or equal to 75% of high credit reported in last 3 months
                                - 00395: Number of open revolving accounts with balance greater than or equal to 75% of high credit reported in last 3 months
                                - 00396: Number of open department store accounts with balance greater than or equal to 75% of high credit
                                - 00398: Number of open revolving accounts with balance greater than or equal to 50% of high credit
                                - 00400: Number of open installment accounts
                                - 00401: Number of open retail accounts
                                - 00403: Number of open credit union accounts
                                - 00404: Number of open personal finance accounts
                                - 00405: Number of installment accounts with past due balances reported in last 3 months
                                - 00406: Percent of bankcards reported satisfactory to total number of bankcards
                                - 00407: Percent of revolving accounts reported satisfactory to total revolving accounts
                                - 00408: Number of installment accounts ever 60+ days delinquent
                                - 00409: Number of auto finance accounts ever 60+ days delinquent
                                - 00411: Number of revolving accounts ever 90+ days delinquent
                                - 00412: Number of bankcards ever 90+ days delinquent
                                - 00414: Number of personal finance accounts ever 90+ days delinquent
                                - 00415: Number of installment accounts ever 30+ days delinquent
                                - 00416: Number of auto finance accounts ever 30+ days delinquent
                                - 00417: Number of revolving accounts ever 30+ days delinquent
                                - 00420: Number of 3rd party collections within last 24 months
                                - 00422: Number of 3rd party collections within last 12 months
                                - 00425: Number of Accounts With Past Due Balances reported in last 3 months
                                - 00426: Number of Open Department Store Accounts
                                - 00427: Number of Accounts Ever Reported 30+ Days Past Due
                                - 00428: Lack of Recently Reported Collection Information
                                - 00431: Number of Trades Currently reported Bad Debt
                                - 00432: Balance on Consumer Finance Trades
                                - 00433: Number of Bank Revolving Accounts Paid As Agreed
                                - 00434: Number of Bank Revolving Accounts Currently 30 day delinquent
                                - 00435: Number of Consumer Finance Trades Currently 90-120 delinquent
                                - 00436: Number of Consumer Finance Trades Ever Paid as Agreed
                                - 00437: Number Bank Revolving Trades Ever Bad Debt
                                - 00438: Number of Open Automotive Trades
                                - 00439: Number of Personal Finance Trades Ever 30 days delinquent
                                - 00440: Number of Auto Trades Ever Bad Debt
                                - 00441: Number of Auto Finance Trades Ever Bad Debt
                                - 00442: Number of Auto Finance Trades Ever 90+
                                - 00443: Total Balance on Open Bank Installment Trades
                                - 00444: Utilization on Bank Installment Trades
                                - 00445: Number of Personal Finance Trades Ever Satisfactory
                                - 00446: Number of Credit Union Trades Ever Bad Debt
                                - 00450: Number of Consumer Finance trades 90-120 days past due in past 24 months
                                - 00451: Number of Auto Finance Trades Ever 90-120 days delinquent
                                - 00453: Number of Personal Finance Trades Ever 90 - 120 days delinquent
                                - 00454: Number of Other Retail Trades Ever 30+
                                - 00455: Number of Personal Finance Trades Ever 30+
                                - 00456: Amount of Average Balance on Revolving Trades
                                
                              Score Reason corresponding to Model Number 02783
                                - 00001: Number of Consumer Initiated Inquiries in the Past 6 Months
                                - 00002: Number of Consumer Initiated Finance Company Inquiries in the Past 24 Months
                                - 00003: Length of Time Accounts Have Been opened
                                - 00006: Accounts Reported in the Past 12 Months
                                - 00007: Total Amount of Available Credit on All Accounts reported in the past 12 months
                                - 00008: Number of Accounts With Past Due Balances
                                - 00009: Current Delinquent Rating Reported
                                - 00011: Number of Accounts With High Balances
                                - 00013: Total Outstanding Balances on Bank Revolving Accounts
                                - 00014: Total Available Line of Credit on Bank Revolving Accounts Reported in the Past 12 Months
                                - 00015: Length of Time Bank Revolving Accounts Have Been opened
                                - 00019: Number of Bank Revolving Accounts With High Balances
                                - 00024: Utilization of Available Credit on Accounts
                                - 00025: Utilization of Available Credit on Bank Revolving Accounts
                                - 00026: Utilization of Available Credit on Department Store Accounts
                                - 00031: Number of Credit Union Accounts ever reported 60+ days past due
                                - 00032: Percent of Accounts Reported in the Past 12 Months versus Total Accounts on File
                                - 00033: Percent of Bank Revolving Accounts Reported in the Past 12 Months versus Total Bank Revolving Accounts on File
                                - 00035: Number of Accounts ever reported 30 + days past due
                                - 00040: Number of Accounts Currently Reported 90+ days past due
                                - 00041: Percent of Bank Revolving Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00042: Percent of Department Store Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00043: Percent of Bank Installment Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00049: Percent of Accounts Open in the past 6 months versus total accounts reported in the past 12 months
                                - 00051: Time Since Most Recent Derogatory Public Record Filed
                                - 00052: Number of Derogatory Public Records in the Past 24 Months
                                - 00053: Number of Collection Items Reported
                                - 00054: Number of Credit Union Accounts ever reported 30+ days past due
                                - 00055: Total Outstanding Balances on Department Store Accounts reported in the past 12 months
                                - 00058: Number of Credit Union Accounts ever Paid as Agreed
                                - 00060: Number of Finance Company Accounts reported in the past 12 months
                                - 00061: Number of Derogatory Public Records Items on File
                                - 00062: Number of Accounts reported 30+ days past due the past 24 Months
                                - 00064: Number of Accounts currently paid As Agreed
                                - 00066: Number of Accounts ever reported As Bad Debt
                                - 00071: Number of Accounts with Low Balance reported in the past 12 months
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00076: Percent of Credit Union Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months
                                - 00082: Total Available Line of Credit on Consumer Finance Accounts Reported in the Past 12 Months
                                - 00089: Length of Time Department Store Accounts Have Been opened
                                - 00090: Number of Department Store Accounts With High Balances
                                - 00091: Number of Finance Company Accounts With High Balances
                                - 00094: Number of Bank Revolving Accounts with Past Due Balances
                                - 00103: Number of Bank Revolving Accounts Reported 90-120 days past due in the Past 24 Months
                                - 00106: Amount of Average Balance on Revolving Accounts
                                - 00119: Number of Accounts Opened in the Past 6 Months
                                - 00121: Number of Credit Union Accounts currently Past Due
                                - 00122: Number of Bank Rev. Accounts reported 30+ days past due in the past 24 months
                                - 00124: Number of accounts reported 60 days + late in the past 24 months and Number of Public Records Ever
                                - 00129: Number of Accounts Reported Bad Debt in the Past 24 Months or Derogatory Public Records
                                - 00132: Number of Accounts Ever Reported 90 - 120 days past due
                                - 00133: Number of Bank Revolving Accounts Currently Reported as 60+ days past due
                                - 00134: Amount Past Due on Department Store Accounts with Reported Late Payments
                                - 00135: Total maximum credit on revolving trades reported in the past 6 months
                                - 00140: Number of Accounts currently paid as agreed with outstanding balances
                                - 00141: Number of Accounts ever reported 30 or 60 days past due
                                - 00142: Total Balance on All Accounts reported in the past 12 months
                                - 00144: Number of Bank Revolving accounts Reported 60 Days past due in the past 24 Months
                                - 00146: Total balances for revolving accounts reported in the past 12 months
                                - 00147: Number of Department Store Accounts Currently 90-120 Days Past Due
                                - 00148: Number of Retail Accounts Reported in the past 12 months
                                - 00149: Number of Auto Finance Accounts Ever paid as agreed
                                - 00152: Number of Auto finance Accounts reported in the past 12 months
                                - 00154: Number of Credit Union Accounts ever reported 90-120 days past due
                                - 00156: Number of Bank Revolving Accounts currently paid as agreed with outstanding balances
                                - 00157: Number of Accounts Currently Reported 30 days past due
                                - 00159: Number of Credit Union Accounts
                                - 00161: Number of Personal Finance accounts past due
                                - 00163: Number of Bank Installment accounts currently Past Due
                                - 00164: Number of Auto Finance accounts Currently Past Due
                                - 00167: Number of Finance Trade ever reported 30+ days past due
                                - 00168: Number of accounts opened in the past 24 months
                                - 00169: Percentage of Accounts paid as Agreed
                                - 00171: Number of Opened Accounts
                                - 00173: Amount Currently Past Due on Accounts
                                - 00175: Amount Past Due For Bank Revolving Accounts
                                - 00178: Number of Auto Finance Accounts
                                - 00179: Number of Consumer Finance accounts reported in the past 12 months
                                - 00182: Number of Personal Finance Accounts
                                - 00184: Total Available Line of Credit on Department Store Accounts Reported in the Past 12 Months
                                - 00186: Number of Department Store Accounts currently paid as agreed with outstanding balances
                                - 00189: Total Balance on Revolving Accounts reported in the past 6 Months
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Accounts Information
                                - 00192: Lack of Recently Reported Retail Account Information
                                - 00193: Lack of Recently Reported Auto Finance Account Information
                                - 00194: Lack of Recently Reported Bank Installment Account Information
                                - 00195: Lack of Recently Reported Department Store Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                - 00200: Lack of Recently Reported Account Information
                                - 00201: No Recent Public Record Information Available
                                - 00202: Number of Accounts Currently Reported 60 days past due
                                - 00203: Number of Department Store Accounts Ever Reported 30 or 60 days past due
                                - 00242: Number of Bank Revolving Accounts Ever Paid as Agreed
                                - 00249: Number of Bank Revolving Accounts Reported in the Past 12 Months with Outstanding Balances
                                - 00282: Number of Bank Revolving Accounts Ever Reported 30+ days past due
                                - 00283: Number of Department Store Accounts Ever Reported 30+ days past due
                                - 00297: Length of Time Since Most Recent Bank Revolving Account Opened
                                - 00317: Number of Other 'Retail Accounts' Reported as Bad Debt ever
                                - 00323: Number of Accounts Reported 90+ days past due/Derogatory Public Records Filed in the Past 24 months
                                - 00325: Number of Consumer Initiated bank Inquiries in the Past 12 Months
                                - 00326: Number of Bank revolving accounts Reported 30 Days Past Due in the Past 24 Months
                                - 00331: Number of Bank installment loans ever reported as bad debt
                                - 00337: Number of Retail Accounts ever reported 30+ days late
                                - 00345: Number of Bank Revolving Accounts Reported in the Past 12 months
                                - 00346: Lack of recently reported personal finance information
                                - 00352: Number of Dept Store accounts currently 60 days delinquent or worse
                                - 00353: Percent of active auto trades to total active trades
                                - 00354: Total High Credit of Open Bank Installment Trades in Last 12 months
                                - 00356: Lack of Recently Reported Consumer Finance Information
                                - 00359: Lack of Recently Reported Inquiry Information
                                - 00360: Lack of Recently Reported Bankcard Information
                                - 00361: Lack of Recently Reported Installment Account Information
                                - 00363: Number of 30 day delinquencies on Revolving accounts within last 12 months
                                - 00364: Number of 30 day delinquencies on installment accounts within last 12 months
                                - 00366: Number of 60 day delinquencies on Revolving accounts within last 12 months
                                - 00367: Number of 60 day delinquencies on installment accounts within last 12 months
                                - 00369: Number of 90 day delinquencies on Revolving accounts within last 12 months
                                - 00370: Number of 120-180 day delinquencies on Bankcards within last 12 months
                                - 00372: Number of major derogatory items on bankcards within last 12 months
                                - 00373: Number of major derogatory items on revolving accounts within last 12 months
                                - 00374: Number of bankcards reported within last 3 months with balance
                                - 00375: Number of revolving trades reported within last 3 months with balance
                                - 00376: Number of consumer initiated inquiries in past 3 months
                                - 00378: Balance on all open accounts reported in last 3 months
                                - 00380: Number of revolving trades with past due balances
                                - 00381: Total amount currently past due
                                - 00383: Total amount past due reported on installment accounts within last 3 months
                                - 00384: Number of open bankcards
                                - 00385: Number of open revolving accounts
                                - 00386: Total balance for open bankcards
                                - 00387: Total balance for open revolving accounts
                                - 00390: Total high credit for open revolving accounts
                                - 00392: Number of past due bankcards
                                - 00394: Number of open bankcards with alance greater than or equal to 75% of high credit reported in last 3 months
                                - 00395: Number of open revolving accounts with balance greater than or equal to 75% of high credit reported in last 3 months
                                - 00396: Number of open department store accounts with balance greater than or equal to 75% of high credit
                                - 00398: Number of open revolving accounts with balance greater than or equal to 50% of high credit
                                - 00400: Number of open installment accounts
                                - 00401: Number of open retail accounts
                                - 00403: Number of open credit union accounts
                                - 00404: Number of open personal finance accounts
                                - 00405: Number of installment accounts with past due balances reported in last 3 months
                                - 00406: Percent of bankcards reported satisfactory to total number of bankcards
                                - 00407: Percent of revolving accounts reported satisfactory to total revolving accounts
                                - 00408: Number of installment accounts ever 60+ days delinquent
                                - 00409: Number of auto finance accounts ever 60+ days delinquent
                                - 00411: Number of revolving accounts ever 90+ days delinquent
                                - 00412: Number of bankcards ever 90+ days delinquent
                                - 00414: Number of personal finance accounts ever 90+ days delinquent
                                - 00415: Number of installment accounts ever 30+ days delinquent
                                - 00416: Number of auto finance accounts ever 30+ days delinquent
                                - 00417: Number of revolving accounts ever 30+ days delinquent
                                - 00420: Number of 3rd party collections within last 24 months
                                - 00422: Number of 3rd party collections within last 12 months
                                - 00425: Number of Accounts With Past Due Balances reported in last 3 months
                                - 00426: Number of Open Department Store Accounts
                                - 00427: Number of Accounts Ever Reported 30+ Days Past Due
                                - 00428: Lack of Recently Reported Collection Information
                                - 00431: Number of Trades Currently reported Bad Debt
                                - 00432: Balance on Consumer Finance Trades
                                - 00433: Number of Bank Revolving Accounts Paid As Agreed
                                - 00434: Number of Bank Revolving Accounts Currently 30 day delinquent
                                - 00435: Number of Consumer Finance Trades Currently 90-120 delinquent
                                - 00436: Number of Consumer Finance Trades Ever Paid as Agreed
                                - 00437: Number Bank Revolving Trades Ever Bad Debt
                                - 00438: Number of Open Automotive Trades
                                - 00439: Number of Personal Finance Trades Ever 30 days delinquent
                                - 00440: Number of Auto Trades Ever Bad Debt
                                - 00441: Number of Auto Finance Trades Ever Bad Debt
                                - 00442: Number of Auto Finance Trades Ever 90+
                                - 00443: Total Balance on Open Bank Installment Trades
                                - 00444: Utilization on Bank Installment Trades
                                - 00445: Number of Personal Finance Trades Ever Satisfactory
                                - 00446: Number of Credit Union Trades Ever Bad Debt
                                - 00450: Number of Consumer Finance trades 90-120 days past due in past 24 months
                                - 00451: Number of Auto Finance Trades Ever 90-120 days delinquent
                                - 00453: Number of Personal Finance Trades Ever 90 - 120 days delinquent
                                - 00454: Number of Other Retail Trades Ever 30+
                                - 00455: Number of Personal Finance Trades Ever 30+
                                - 00456: Amount of Average Balance on Revolving Trades
                                
                              Score Reason corresponding to Model Number 02784
                                - 00001: Number of Consumer Initiated Inquiries in the Past 6 Months
                                - 00002: Number of Consumer Initiated Finance Company Inquiries in the Past 24 Months
                                - 00003: Length of Time Accounts Have Been opened
                                - 00006: Accounts Reported in the Past 12 Months
                                - 00007: Total Amount of Available Credit on All Accounts reported in the past 12 months
                                - 00008: Number of Accounts With Past Due Balances
                                - 00009: Current Delinquent Rating Reported
                                - 00011: Number of Accounts With High Balances
                                - 00013: Total Outstanding Balances on Bank Revolving Accounts
                                - 00014: Total Available Line of Credit on Bank Revolving Accounts Reported in the Past 12 Months
                                - 00015: Length of Time Bank Revolving Accounts Have Been opened
                                - 00019: Number of Bank Revolving Accounts With High Balances
                                - 00024: Utilization of Available Credit on Accounts
                                - 00025: Utilization of Available Credit on Bank Revolving Accounts
                                - 00026: Utilization of Available Credit on Department Store Accounts
                                - 00031: Number of Credit Union Accounts ever reported 60+ days past due
                                - 00032: Percent of Accounts Reported in the Past 12 Months versus Total Accounts on File
                                - 00033: Percent of Bank Revolving Accounts Reported in the Past 12 Months versus Total Bank Revolving Accounts on File
                                - 00035: Number of Accounts ever reported 30 + days past due
                                - 00040: Number of Accounts Currently Reported 90+ days past due
                                - 00041: Percent of Bank Revolving Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00042: Percent of Department Store Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00043: Percent of Bank Installment Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00049: Percent of Accounts Open in the past 6 months versus total accounts reported in the past 12 months
                                - 00051: Time Since Most Recent Derogatory Public Record Filed
                                - 00052: Number of Derogatory Public Records in the Past 24 Months
                                - 00053: Number of Collection Items Reported
                                - 00054: Number of Credit Union Accounts ever reported 30+ days past due
                                - 00055: Total Outstanding Balances on Department Store Accounts reported in the past 12 months
                                - 00058: Number of Credit Union Accounts ever Paid as Agreed
                                - 00060: Number of Finance Company Accounts reported in the past 12 months
                                - 00061: Number of Derogatory Public Records Items on File
                                - 00062: Number of Accounts reported 30+ days past due the past 24 Months
                                - 00064: Number of Accounts currently paid As Agreed
                                - 00066: Number of Accounts ever reported As Bad Debt
                                - 00071: Number of Accounts with Low Balance reported in the past 12 months
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00076: Percent of Credit Union Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months
                                - 00082: Total Available Line of Credit on Consumer Finance Accounts Reported in the Past 12 Months
                                - 00089: Length of Time Department Store Accounts Have Been opened
                                - 00090: Number of Department Store Accounts With High Balances
                                - 00091: Number of Finance Company Accounts With High Balances
                                - 00094: Number of Bank Revolving Accounts with Past Due Balances
                                - 00103: Number of Bank Revolving Accounts Reported 90-120 days past due in the Past 24 Months
                                - 00106: Amount of Average Balance on Revolving Accounts
                                - 00119: Number of Accounts Opened in the Past 6 Months
                                - 00121: Number of Credit Union Accounts currently Past Due
                                - 00122: Number of Bank Rev. Accounts reported 30+ days past due in the past 24 months
                                - 00124: Number of accounts reported 60 days + late in the past 24 months and Number of Public Records Ever
                                - 00129: Number of Accounts Reported Bad Debt in the Past 24 Months or Derogatory Public Records
                                - 00132: Number of Accounts Ever Reported 90 - 120 days past due
                                - 00133: Number of Bank Revolving Accounts Currently Reported as 60+ days past due
                                - 00134: Amount Past Due on Department Store Accounts with Reported Late Payments
                                - 00135: Total maximum credit on revolving trades reported in the past 6 months
                                - 00140: Number of Accounts currently paid as agreed with outstanding balances
                                - 00141: Number of Accounts ever reported 30 or 60 days past due
                                - 00142: Total Balance on All Accounts reported in the past 12 months
                                - 00144: Number of Bank Revolving accounts Reported 60 Days past due in the past 24 Months
                                - 00146: Total balances for revolving accounts reported in the past 12 months
                                - 00147: Number of Department Store Accounts Currently 90-120 Days Past Due
                                - 00148: Number of Retail Accounts Reported in the past 12 months
                                - 00149: Number of Auto Finance Accounts Ever paid as agreed
                                - 00152: Number of Auto finance Accounts reported in the past 12 months
                                - 00154: Number of Credit Union Accounts ever reported 90-120 days past due
                                - 00156: Number of Bank Revolving Accounts currently paid as agreed with outstanding balances
                                - 00157: Number of Accounts Currently Reported 30 days past due
                                - 00159: Number of Credit Union Accounts
                                - 00161: Number of Personal Finance accounts past due
                                - 00163: Number of Bank Installment accounts currently Past Due
                                - 00164: Number of Auto Finance accounts Currently Past Due
                                - 00167: Number of Finance Trade ever reported 30+ days past due
                                - 00168: Number of accounts opened in the past 24 months
                                - 00169: Percentage of Accounts paid as Agreed
                                - 00171: Number of Opened Accounts
                                - 00173: Amount Currently Past Due on Accounts
                                - 00175: Amount Past Due For Bank Revolving Accounts
                                - 00178: Number of Auto Finance Accounts
                                - 00179: Number of Consumer Finance accounts reported in the past 12 months
                                - 00182: Number of Personal Finance Accounts
                                - 00184: Total Available Line of Credit on Department Store Accounts Reported in the Past 12 Months
                                - 00186: Number of Department Store Accounts currently paid as agreed with outstanding balances
                                - 00189: Total Balance on Revolving Accounts reported in the past 6 Months
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Accounts Information
                                - 00192: Lack of Recently Reported Retail Account Information
                                - 00193: Lack of Recently Reported Auto Finance Account Information
                                - 00194: Lack of Recently Reported Bank Installment Account Information
                                - 00195: Lack of Recently Reported Department Store Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                - 00200: Lack of Recently Reported Account Information
                                - 00201: No Recent Public Record Information Available
                                - 00202: Number of Accounts Currently Reported 60 days past due
                                - 00203: Number of Department Store Accounts Ever Reported 30 or 60 days past due
                                - 00242: Number of Bank Revolving Accounts Ever Paid as Agreed
                                - 00249: Number of Bank Revolving Accounts Reported in the Past 12 Months with Outstanding Balances
                                - 00282: Number of Bank Revolving Accounts Ever Reported 30+ days past due
                                - 00283: Number of Department Store Accounts Ever Reported 30+ days past due
                                - 00297: Length of Time Since Most Recent Bank Revolving Account Opened
                                - 00317: Number of Other 'Retail Accounts' Reported as Bad Debt ever
                                - 00323: Number of Accounts Reported 90+ days past due/Derogatory Public Records Filed in the Past 24 months
                                - 00325: Number of Consumer Initiated bank Inquiries in the Past 12 Months
                                - 00326: Number of Bank revolving accounts Reported 30 Days Past Due in the Past 24 Months
                                - 00331: Number of Bank installment loans ever reported as bad debt
                                - 00337: Number of Retail Accounts ever reported 30+ days late
                                - 00345: Number of Bank Revolving Accounts Reported in the Past 12 months
                                - 00346: Lack of recently reported personal finance information
                                - 00352: Number of Dept Store accounts currently 60 days delinquent or worse
                                - 00353: Percent of active auto trades to total active trades
                                - 00354: Total High Credit of Open Bank Installment Trades in Last 12 months
                                - 00356: Lack of Recently Reported Consumer Finance Information
                                - 00359: Lack of Recently Reported Inquiry Information
                                - 00360: Lack of Recently Reported Bankcard Information
                                - 00361: Lack of Recently Reported Installment Account Information
                                - 00363: Number of 30 day delinquencies on Revolving accounts within last 12 months
                                - 00364: Number of 30 day delinquencies on installment accounts within last 12 months
                                - 00366: Number of 60 day delinquencies on Revolving accounts within last 12 months
                                - 00367: Number of 60 day delinquencies on installment accounts within last 12 months
                                - 00369: Number of 90 day delinquencies on Revolving accounts within last 12 months
                                - 00370: Number of 120-180 day delinquencies on Bankcards within last 12 months
                                - 00372: Number of major derogatory items on bankcards within last 12 months
                                - 00373: Number of major derogatory items on revolving accounts within last 12 months
                                - 00374: Number of bankcards reported within last 3 months with balance
                                - 00375: Number of revolving trades reported within last 3 months with balance
                                - 00376: Number of consumer initiated inquiries in past 3 months
                                - 00378: Balance on all open accounts reported in last 3 months
                                - 00380: Number of revolving trades with past due balances
                                - 00381: Total amount currently past due
                                - 00383: Total amount past due reported on installment accounts within last 3 months
                                - 00384: Number of open bankcards
                                - 00385: Number of open revolving accounts
                                - 00386: Total balance for open bankcards
                                - 00387: Total balance for open revolving accounts
                                - 00390: Total high credit for open revolving accounts
                                - 00392: Number of past due bankcards
                                - 00394: Number of open bankcards with alance greater than or equal to 75% of high credit reported in last 3 months
                                - 00395: Number of open revolving accounts with balance greater than or equal to 75% of high credit reported in last 3 months
                                - 00396: Number of open department store accounts with balance greater than or equal to 75% of high credit
                                - 00398: Number of open revolving accounts with balance greater than or equal to 50% of high credit
                                - 00400: Number of open installment accounts
                                - 00401: Number of open retail accounts
                                - 00403: Number of open credit union accounts
                                - 00404: Number of open personal finance accounts
                                - 00405: Number of installment accounts with past due balances reported in last 3 months
                                - 00406: Percent of bankcards reported satisfactory to total number of bankcards
                                - 00407: Percent of revolving accounts reported satisfactory to total revolving accounts
                                - 00408: Number of installment accounts ever 60+ days delinquent
                                - 00409: Number of auto finance accounts ever 60+ days delinquent
                                - 00411: Number of revolving accounts ever 90+ days delinquent
                                - 00412: Number of bankcards ever 90+ days delinquent
                                - 00414: Number of personal finance accounts ever 90+ days delinquent
                                - 00415: Number of installment accounts ever 30+ days delinquent
                                - 00416: Number of auto finance accounts ever 30+ days delinquent
                                - 00417: Number of revolving accounts ever 30+ days delinquent
                                - 00420: Number of 3rd party collections within last 24 months
                                - 00422: Number of 3rd party collections within last 12 months
                                - 00425: Number of Accounts With Past Due Balances reported in last 3 months
                                - 00426: Number of Open Department Store Accounts
                                - 00427: Number of Accounts Ever Reported 30+ Days Past Due
                                - 00428: Lack of Recently Reported Collection Information
                                - 00431: Number of Trades Currently reported Bad Debt
                                - 00432: Balance on Consumer Finance Trades
                                - 00433: Number of Bank Revolving Accounts Paid As Agreed
                                - 00434: Number of Bank Revolving Accounts Currently 30 day delinquent
                                - 00435: Number of Consumer Finance Trades Currently 90-120 delinquent
                                - 00436: Number of Consumer Finance Trades Ever Paid as Agreed
                                - 00437: Number Bank Revolving Trades Ever Bad Debt
                                - 00438: Number of Open Automotive Trades
                                - 00439: Number of Personal Finance Trades Ever 30 days delinquent
                                - 00440: Number of Auto Trades Ever Bad Debt
                                - 00441: Number of Auto Finance Trades Ever Bad Debt
                                - 00442: Number of Auto Finance Trades Ever 90+
                                - 00443: Total Balance on Open Bank Installment Trades
                                - 00444: Utilization on Bank Installment Trades
                                - 00445: Number of Personal Finance Trades Ever Satisfactory
                                - 00446: Number of Credit Union Trades Ever Bad Debt
                                - 00450: Number of Consumer Finance trades 90-120 days past due in past 24 months
                                - 00451: Number of Auto Finance Trades Ever 90-120 days delinquent
                                - 00453: Number of Personal Finance Trades Ever 90 - 120 days delinquent
                                - 00454: Number of Other Retail Trades Ever 30+
                                - 00455: Number of Personal Finance Trades Ever 30+
                                - 00456: Amount of Average Balance on Revolving Trades   
                              
                              Score Reason corresponding to Model Number 02502
                                - 00001: Number of consumer initiated inquiries in the past 6 months
                                - 00002: Number of Consumer Initiated Finance Company Inquiries in the Past 24 Months
                                - 00003: Length of time accounts have been established
                                - 00007: Total Amount of Available Credit on All Open Accounts
                                - 00008: Number of accounts with past due balances
                                - 00014: Total available line of credit on bank revolving accounts
                                - 00015: Length of time bank revolving accounts have been established
                                - 00019: Number of bank revolving accounts with high balances
                                - 00023: Number of bank installment accounts always paid as agreed
                                - 00028: Too few bank revolving accounts paid as agreed
                                - 00032: Percent of Accounts Reported in the Past 12 Months Versus Total Accounts on File
                                - 00033: Percent of Bank Revolving Accounts Reported in the Past 12 Months Versus Total Bank Revolving Accounts on File
                                - 00035: Number of accounts with reported late payments
                                - 00041: Percent of bank revolving accounts versus total accounts reported in the past 12 months
                                - 00042: Percent of department store accounts versus total accounts reported in the past 12 months
                                - 00043: Percent of bank installment accounts versus total accounts reported in the past 12 months
                                - 00052: Number of Derogatory public Records Filed in the Past 24 Months
                                - 00054: Number of Credit Union Accounts Reported 30+ Days Late
                                - 00055: Total Outstanding Balances on Department Store Accounts
                                - 00056: Time Since Most Recent Activity
                                - 00057: Percent of Accounts Opened in the Last 12 Months Versus Active Accounts
                                - 00058: Number of credit union accounts always paid as agreed
                                - 00059: Time Since Consumer Initiated Inquiry Reported
                                - 00064: Number of Accounts Paid As Agreed
                                - 00067: Number of Accounts Reported as 60 Days Late in the Past 24 Months
                                - 00068: Number of accounts reported as 90-120 days late in the past 24 months
                                - 00071: Number of Accounts with Low Balance compared to High Credit
                                - 00072: Number of consumer initiated inquiries in the past 12 months
                                - 00077: Utilization on revolving accounts reported in the past 6 months
                                - 00084: Insufficient Number or Lack of Bank Installment Accounts
                                - 00087: Number of accounts reported as 30 days late in the past 24 months
                                - 00090: Number of Department Store Accounts With High Balances
                                - 00103: Number of Bank Revolving Accounts 90 - 120 Days Late in the Past 24 Months or Status of Accounts Unknown
                                - 00118: Number of Auto Finance Accounts Currently or in the Past 30+ Days Late
                                - 00121: Number of Credit Union Accounts Past Due or Status of Acts Unknown
                                - 00123: Percent of Auto Finance Trades versus Total Accounts Reported in the Past 12 Months
                                - 00135: Total Amount of Available Credit on Revolving Trades Reported in the Last 6 Months
                                - 00138: Number of Bank Revolving Trades Currently Reported 90+ Days Late
                                - 00142: Total Balance on All Open Accounts
                                - 00146: Amount of Outstanding Balance on Revolving Accounts
                                - 00148: Number of Retail Accounts
                                - 00158: Number of trades established in last 3 months
                                - 00160: Number of Bank Revolving Trades
                                - 00168: Number of Trades opened in the last 24 months
                                - 00173: Amount Currently Past Due on Accounts
                                - 00175: Amount Past Due for Bank Revolving Accounts
                                - 00176: Number of Bank Installment Accounts Ever Reported as 90+ days past due or worse
                                - 00177: Number of Credit Union Accounts ever Reported as 90+ Days Past Due or Worse
                                - 00179: Number of Consumer Finance Trades
                                - 00180: Total Balance on Revolving Accounts in the Last 24 Months
                                - 00181: Number of accounts opened in the last 12 months
                                - 00182: Number of Personal Finance Accounts
                                - 00183: Number of Open Credit Union Accounts
                                - 00184: Total Available Line of Credit on Department Store Accounts
                                - 00185: Number of Department Store Accts 90-120 in the last 24 months or status of Department Store Accounts Unknown
                                - 00186: Number of Department Store Accounts Paid as Agreed with Recently Reported Balances
                                - 00187: Number of Automotive Accounts
                                - 00188: Number of accounts reported 60 days + late in the past 24 months and Number of Public Records Ever
                                - 00189: Total Balance on Revolving Accounts in the Last 6 Months
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Accounts Information
                                - 00193: Lack of Recently Reported Auto Finance Account Information
                                - 00194: Lack of Recently Reported Bank Installment Account Information
                                - 00195: Lack of Recently Reported Department Store Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                - 00200: Lack of Recently Reported Account Information
                                - 00201: No Recent Public Record Information Available   
                             
                              Score Reason corresponding to Model Number 02503
                                - 00001: Number of consumer initiated inquiries in the past 6 months
                                - 00002: Number of Consumer Initiated Finance Company Inquiries in the Past 24 Months
                                - 00003: Length of time accounts have been established
                                - 00007: Total Amount of Available Credit on All Open Accounts
                                - 00008: Number of accounts with past due balances
                                - 00014: Total available line of credit on bank revolving accounts
                                - 00015: Length of time bank revolving accounts have been established
                                - 00019: Number of bank revolving accounts with high balances
                                - 00023: Number of bank installment accounts always paid as agreed
                                - 00028: Too few bank revolving accounts paid as agreed
                                - 00032: Percent of Accounts Reported in the Past 12 Months Versus Total Accounts on File
                                - 00033: Percent of Bank Revolving Accounts Reported in the Past 12 Months Versus Total Bank Revolving Accounts on File
                                - 00035: Number of accounts with reported late payments
                                - 00041: Percent of bank revolving accounts versus total accounts reported in the past 12 months
                                - 00042: Percent of department store accounts versus total accounts reported in the past 12 months
                                - 00043: Percent of bank installment accounts versus total accounts reported in the past 12 months
                                - 00052: Number of Derogatory public Records Filed in the Past 24 Months
                                - 00054: Number of Credit Union Accounts Reported 30+ Days Late
                                - 00055: Total Outstanding Balances on Department Store Accounts
                                - 00056: Time Since Most Recent Activity
                                - 00057: Percent of Accounts Opened in the Last 12 Months Versus Active Accounts
                                - 00058: Number of credit union accounts always paid as agreed
                                - 00059: Time Since Consumer Initiated Inquiry Reported
                                - 00064: Number of Accounts Paid As Agreed
                                - 00067: Number of Accounts Reported as 60 Days Late in the Past 24 Months
                                - 00068: Number of accounts reported as 90-120 days late in the past 24 months
                                - 00071: Number of Accounts with Low Balance compared to High Credit
                                - 00072: Number of consumer initiated inquiries in the past 12 months
                                - 00077: Utilization on revolving accounts reported in the past 6 months
                                - 00084: Insufficient Number or Lack of Bank Installment Accounts
                                - 00087: Number of accounts reported as 30 days late in the past 24 months
                                - 00090: Number of Department Store Accounts With High Balances
                                - 00103: Number of Bank Revolving Accounts 90 - 120 Days Late in the Past 24 Months or Status of Accounts Unknown
                                - 00118: Number of Auto Finance Accounts Currently or in the Past 30+ Days Late
                                - 00121: Number of Credit Union Accounts Past Due or Status of Acts Unknown
                                - 00123: Percent of Auto Finance Trades versus Total Accounts Reported in the Past 12 Months
                                - 00135: Total Amount of Available Credit on Revolving Trades Reported in the Last 6 Months
                                - 00138: Number of Bank Revolving Trades Currently Reported 90+ Days Late
                                - 00142: Total Balance on All Open Accounts
                                - 00146: Amount of Outstanding Balance on Revolving Accounts
                                - 00148: Number of Retail Accounts
                                - 00158: Number of trades established in last 3 months
                                - 00160: Number of Bank Revolving Trades
                                - 00168: Number of Trades opened in the last 24 months
                                - 00173: Amount Currently Past Due on Accounts
                                - 00175: Amount Past Due for Bank Revolving Accounts
                                - 00176: Number of Bank Installment Accounts Ever Reported as 90+ days past due or worse
                                - 00177: Number of Credit Union Accounts ever Reported as 90+ Days Past Due or Worse
                                - 00179: Number of Consumer Finance Trades
                                - 00180: Total Balance on Revolving Accounts in the Last 24 Months
                                - 00181: Number of accounts opened in the last 12 months
                                - 00182: Number of Personal Finance Accounts
                                - 00183: Number of Open Credit Union Accounts
                                - 00184: Total Available Line of Credit on Department Store Accounts
                                - 00185: Number of Department Store Accts 90-120 in the last 24 months or status of Department Store Accounts Unknown
                                - 00186: Number of Department Store Accounts Paid as Agreed with Recently Reported Balances
                                - 00187: Number of Automotive Accounts
                                - 00188: Number of accounts reported 60 days + late in the past 24 months and Number of Public Records Ever
                                - 00189: Total Balance on Revolving Accounts in the Last 6 Months
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Accounts Information
                                - 00193: Lack of Recently Reported Auto Finance Account Information
                                - 00194: Lack of Recently Reported Bank Installment Account Information
                                - 00195: Lack of Recently Reported Department Store Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                - 00200: Lack of Recently Reported Account Information
                                - 00201: No Recent Public Record Information Available  
                             
                              Score Reason corresponding to Model Number 05146
                                - 5: PERCENT OF BANKCARD ACCOUNTS 60+ DAYS DELINQUENT
                                - 15: PERCENT OF MORTGAGE BALANCE OUTSTANDING
                                - 20: PERCENT OF OPEN ACCOUNTS
                                - 36: PERCENT OF ACCOUNTS INSTALLMENT
                                - 40: PERCENT OF ACCOUNTS SATISFACTORY
                                - 51: 30 DAYS DELINQUENCY OCCURRENCES ON INSTALLMENT ACCOUNTS
                                - 67: AGE OF BANKCARD ACCOUNT ACTIVITY
                                - 68: AGE OF BANKCARD ACCOUNTS
                                - 70: AGE OF INSTALLMENT ACCOUNT ACTIVITY
                                - 72: AGE OF JUDGMENT
                                - 73: AGE OF MORTGAGE ACCOUNTS
                                - 78: AGE OF TAX LIEN
                                - 79: AGE OF ACCOUNT ACTIVITY
                                - 80: AGE OF ACCOUNTS
                                - 81: TOTAL AMOUNT PAST DUE FOR BANKCARD ACCOUNTS
                                - 83: BANKCARD HIGH CREDIT
                                - 95: NUMBER OF AUTO ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 106: NUMBER OF BANKCARD ACCOUNTS WITH BALANCE
                                - 107: NUMBER OF BANKCARD ACCOUNTS WITH HIGH UTILIZATION
                                - 109: NUMBER OF COLLECTIONS
                                - 123: NUMBER OF INQUIRIES
                                - 124: NUMBER OF INSTALLMENT ACCOUNTS
                                - 137: NUMBER OF MORTGAGE ACCOUNTS WITH HIGH BALANCE OUTSTANDING
                                - 138: NUMBER OF MORTGAGE ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 144: NUMBER OF OPEN MORTGAGE ACCOUNTS
                                - 166: NUMBER OF REVOLVING ACCOUNTS
                                - 176: NUMBER OF REVOLVING ACCOUNTS PAST DUE
                                - 178: NUMBER OF REVOLVING ACCOUNTS WITH HIGH UTILIZATION
                                - 179: NUMBER OF REVOLVING ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 191: NUMBER OF ACCOUNTS
                                - 201: NUMBER OF ACCOUNTS WITH BALANCE
                                - 202: NUMBER OF ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 203: OCCURRENCE OF SEVERE DEROGATORY EVENT
                                - 209: TOTAL AMOUNT PAST DUE FOR INSTALLMENT ACCOUNTS
                                - 214: TOTAL BALANCE ON BANKCARD ACCOUNTS
                                - 216: TOTAL BALANCE ON DEPARTMENT STORE ACCOUNTS
                                - 219: TOTAL BALANCE ON PERSONAL FINANCE OR STUDENT LOAN ACCOUNTS
                                - 220: TOTAL BALANCE ON RETAIL ACCOUNTS
                                - 221: TOTAL BALANCE ON REVOLVING ACCOUNTS
                                - 223: TOTAL BALANCE ON ACCOUNTS
                                - 224: TOTAL COLLECTION AMOUNT
                                - 226: WORST RATING FOR MORTGAGE ACCOUNTS
                                - 290: INSUFFICIENT INFORMATION ON OR LACK OF BANKCARD ACCOUNTS
                                - 292: INSUFFICIENT INFORMATION ON OR LACK OF DEPARTMENT STORE ACCOUNTS
                                - 293: INSUFFICIENT INFORMATION ON OR LACK OF INSTALLMENT ACCOUNTS
                                - 294: INSUFFICIENT INFORMATION ON OR LACK OF MORTGAGE ACCOUNTS
                                - 295: INSUFFICIENT INFORMATION ON OR LACK OF PERSONAL FINANCE OR STUDENT LOAN ACCOUNTS
                                - 297: INSUFFICIENT INFORMATION ON OR LACK OF REVOLVING ACCOUNTS
                                - 299: INSUFFICIENT INFORMATION ON OR LACK OF ACCOUNTS
                                - 304: NUMBER OF NON-UTILITY INQUIRIES
                                - 305: NUMBER OF AUTO ACCOUNTS
                                - 306: NUMBER OF STUDENT LOAN ACCOUNTS
                                - 308: NUMBER OF MORTGAGE ACCOUNTS
                                - 317: 60+ DAYS DELINQUENCY OCCURRENCES ON INSTALLMENT ACCOUNTS
                                - 332: WORST RATING FOR ALL ACCOUNTS
                                - C33: PERCENT OF ACCOUNTS STUDENT LOAN
                                - C91: NO TRADE INFORMATION
                                - C92: OCCURRENCE OF BANKRUPTCY EVENT
                                - C93: OCCURRENCE OF 60+ DAYS DELINQUENT OR DEROGATORY
                                - C94: OCCURRENCE OF PUBLIC RECORDS OTHER THAN TAX LIENS, SUITS AND JUDGMENTS
                                - C95: PERSONAL FINANCE OR STUDENT LOAN TRADES ON FILE  
                              
                              Score Reason corresponding to Model Number 05147
                                - 5: PERCENT OF BANKCARD ACCOUNTS 60+ DAYS DELINQUENT
                                - 15: PERCENT OF MORTGAGE BALANCE OUTSTANDING
                                - 20: PERCENT OF OPEN ACCOUNTS
                                - 36: PERCENT OF ACCOUNTS INSTALLMENT
                                - 40: PERCENT OF ACCOUNTS SATISFACTORY
                                - 51: 30 DAYS DELINQUENCY OCCURRENCES ON INSTALLMENT ACCOUNTS
                                - 67: AGE OF BANKCARD ACCOUNT ACTIVITY
                                - 68: AGE OF BANKCARD ACCOUNTS
                                - 70: AGE OF INSTALLMENT ACCOUNT ACTIVITY
                                - 72: AGE OF JUDGMENT
                                - 73: AGE OF MORTGAGE ACCOUNTS
                                - 78: AGE OF TAX LIEN
                                - 79: AGE OF ACCOUNT ACTIVITY
                                - 80: AGE OF ACCOUNTS
                                - 81: TOTAL AMOUNT PAST DUE FOR BANKCARD ACCOUNTS
                                - 83: BANKCARD HIGH CREDIT
                                - 95: NUMBER OF AUTO ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 106: NUMBER OF BANKCARD ACCOUNTS WITH BALANCE
                                - 107: NUMBER OF BANKCARD ACCOUNTS WITH HIGH UTILIZATION
                                - 109: NUMBER OF COLLECTIONS
                                - 123: NUMBER OF INQUIRIES
                                - 124: NUMBER OF INSTALLMENT ACCOUNTS
                                - 137: NUMBER OF MORTGAGE ACCOUNTS WITH HIGH BALANCE OUTSTANDING
                                - 138: NUMBER OF MORTGAGE ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 144: NUMBER OF OPEN MORTGAGE ACCOUNTS
                                - 166: NUMBER OF REVOLVING ACCOUNTS
                                - 176: NUMBER OF REVOLVING ACCOUNTS PAST DUE
                                - 178: NUMBER OF REVOLVING ACCOUNTS WITH HIGH UTILIZATION
                                - 179: NUMBER OF REVOLVING ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 191: NUMBER OF ACCOUNTS
                                - 201: NUMBER OF ACCOUNTS WITH BALANCE
                                - 202: NUMBER OF ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 203: OCCURRENCE OF SEVERE DEROGATORY EVENT
                                - 209: TOTAL AMOUNT PAST DUE FOR INSTALLMENT ACCOUNTS
                                - 214: TOTAL BALANCE ON BANKCARD ACCOUNTS
                                - 216: TOTAL BALANCE ON DEPARTMENT STORE ACCOUNTS
                                - 219: TOTAL BALANCE ON PERSONAL FINANCE OR STUDENT LOAN ACCOUNTS
                                - 220: TOTAL BALANCE ON RETAIL ACCOUNTS
                                - 221: TOTAL BALANCE ON REVOLVING ACCOUNTS
                                - 223: TOTAL BALANCE ON ACCOUNTS
                                - 224: TOTAL COLLECTION AMOUNT
                                - 226: WORST RATING FOR MORTGAGE ACCOUNTS
                                - 290: INSUFFICIENT INFORMATION ON OR LACK OF BANKCARD ACCOUNTS
                                - 292: INSUFFICIENT INFORMATION ON OR LACK OF DEPARTMENT STORE ACCOUNTS
                                - 293: INSUFFICIENT INFORMATION ON OR LACK OF INSTALLMENT ACCOUNTS
                                - 294: INSUFFICIENT INFORMATION ON OR LACK OF MORTGAGE ACCOUNTS
                                - 295: INSUFFICIENT INFORMATION ON OR LACK OF PERSONAL FINANCE OR STUDENT LOAN ACCOUNTS
                                - 297: INSUFFICIENT INFORMATION ON OR LACK OF REVOLVING ACCOUNTS
                                - 299: INSUFFICIENT INFORMATION ON OR LACK OF ACCOUNTS
                                - 304: NUMBER OF NON-UTILITY INQUIRIES
                                - 305: NUMBER OF AUTO ACCOUNTS
                                - 306: NUMBER OF STUDENT LOAN ACCOUNTS
                                - 308: NUMBER OF MORTGAGE ACCOUNTS
                                - 317: 60+ DAYS DELINQUENCY OCCURRENCES ON INSTALLMENT ACCOUNTS
                                - 332: WORST RATING FOR ALL ACCOUNTS
                                - C33: PERCENT OF ACCOUNTS STUDENT LOAN
                                - C91: NO TRADE INFORMATION
                                - C92: OCCURRENCE OF BANKRUPTCY EVENT
                                - C93: OCCURRENCE OF 60+ DAYS DELINQUENT OR DEROGATORY
                                - C94: OCCURRENCE OF PUBLIC RECORDS OTHER THAN TAX LIENS, SUITS AND JUDGMENTS
                                - C95: PERSONAL FINANCE OR STUDENT LOAN TRADES ON FILE      
                              
                              Score Reason corresponding to Model Number 05276
                                - 00005: PERCENT OF BANKCARD ACCOUNTS 60+ DAYS DELINQUENT
                                - 00015: PERCENT OF MORTGAGE BALANCE OUTSTANDING
                                - 00020: PERCENT OF OPEN ACCOUNTS
                                - 00036: PERCENT OF ACCOUNTS INSTALLMENT
                                - 00040: PERCENT OF ACCOUNTS SATISFACTORY
                                - 00051: 30 DAYS DELINQUENCY OCCURRENCES ON INSTALLMENT ACCOUNTS
                                - 00067: AGE OF BANKCARD ACCOUNT ACTIVITY
                                - 00068: AGE OF BANKCARD ACCOUNTS
                                - 00070: AGE OF INSTALLMENT ACCOUNT ACTIVITY
                                - 00072: AGE OF JUDGMENT
                                - 00073: AGE OF MORTGAGE ACCOUNTS
                                - 00078: AGE OF TAX LIEN
                                - 00079: AGE OF ACCOUNT ACTIVITY
                                - 00080: AGE OF ACCOUNTS
                                - 00081: TOTAL AMOUNT PAST DUE FOR BANKCARD ACCOUNTS
                                - 00083: BANKCARD HIGH CREDIT
                                - 00095: NUMBER OF AUTO ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 00106: NUMBER OF BANKCARD ACCOUNTS WITH BALANCE
                                - 00107: NUMBER OF BANKCARD ACCOUNTS WITH HIGH UTILIZATION
                                - 00109: NUMBER OF COLLECTIONS
                                - 00123: NUMBER OF INQUIRIES
                                - 00124: NUMBER OF INSTALLMENT ACCOUNTS
                                - 00137: NUMBER OF MORTGAGE ACCOUNTS WITH HIGH BALANCE OUTSTANDING
                                - 00138: NUMBER OF MORTGAGE ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 00144: NUMBER OF OPEN MORTGAGE ACCOUNTS
                                - 00166: NUMBER OF REVOLVING ACCOUNTS
                                - 00176: NUMBER OF REVOLVING ACCOUNTS PAST DUE
                                - 00178: NUMBER OF REVOLVING ACCOUNTS WITH HIGH UTILIZATION
                                - 00179: NUMBER OF REVOLVING ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 00191: NUMBER OF ACCOUNTS
                                - 00201: NUMBER OF ACCOUNTS WITH BALANCE
                                - 00202: NUMBER OF ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 00203: OCCURRENCE OF SEVERE DEROGATORY EVENT
                                - 00209: TOTAL AMOUNT PAST DUE FOR INSTALLMENT ACCOUNTS
                                - 00214: TOTAL BALANCE ON BANKCARD ACCOUNTS
                                - 00216: TOTAL BALANCE ON DEPARTMENT STORE ACCOUNTS
                                - 00219: TOTAL BALANCE ON PERSONAL FINANCE OR STUDENT LOAN ACCOUNTS
                                - 00220: TOTAL BALANCE ON RETAIL ACCOUNTS
                                - 00221: TOTAL BALANCE ON REVOLVING ACCOUNTS
                                - 00223: TOTAL BALANCE ON ACCOUNTS
                                - 00224: TOTAL COLLECTION AMOUNT
                                - 00226: WORST RATING FOR MORTGAGE ACCOUNTS
                                - 00290: INSUFFICIENT INFORMATION ON OR LACK OF BANKCARD ACCOUNTS
                                - 00292: INSUFFICIENT INFORMATION ON OR LACK OF DEPARTMENT STORE ACCOUNTS
                                - 00293: INSUFFICIENT INFORMATION ON OR LACK OF INSTALLMENT ACCOUNTS
                                - 00294: INSUFFICIENT INFORMATION ON OR LACK OF MORTGAGE ACCOUNTS
                                - 00295: INSUFFICIENT INFORMATION ON OR LACK OF PERSONAL FINANCE OR STUDENT LOAN ACCOUNTS
                                - 00297: INSUFFICIENT INFORMATION ON OR LACK OF REVOLVING ACCOUNTS
                                - 00299: INSUFFICIENT INFORMATION ON OR LACK OF ACCOUNTS
                                - 00304: NUMBER OF NON-UTILITY INQUIRIES
                                - 00305: NUMBER OF AUTO ACCOUNTS
                                - 00306: NUMBER OF STUDENT LOAN ACCOUNTS
                                - 00308: NUMBER OF MORTGAGE ACCOUNTS
                                - 00317: 60+ DAYS DELINQUENCY OCCURRENCES ON INSTALLMENT ACCOUNTS
                                - 00332: WORST RATING FOR ALL ACCOUNTS
                                - 00701: PERCENT OF ACCOUNTS STUDENT LOAN
                                - 00702: NO TRADE INFORMATION
                                - 00703: OCCURRENCE OF BANKRUPTCY EVENT
                                - 00704: OCCURRENCE OF 60+ DAYS DELINQUENT OR DEROGATORY
                                - 00705: OCCURRENCE OF PUBLIC RECORDS OTHER THAN TAX LIENS, SUITS AND JUDGMENTS
                                - 00706: PERSONAL FINANCE OR STUDENT LOAN TRADES ON FILE
                              
                              Score Reason corresponding to Model Number 05277
                                - 00005: PERCENT OF BANKCARD ACCOUNTS 60+ DAYS DELINQUENT
                                - 00015: PERCENT OF MORTGAGE BALANCE OUTSTANDING
                                - 00020: PERCENT OF OPEN ACCOUNTS
                                - 00036: PERCENT OF ACCOUNTS INSTALLMENT
                                - 00040: PERCENT OF ACCOUNTS SATISFACTORY
                                - 00051: 30 DAYS DELINQUENCY OCCURRENCES ON INSTALLMENT ACCOUNTS
                                - 00067: AGE OF BANKCARD ACCOUNT ACTIVITY
                                - 00068: AGE OF BANKCARD ACCOUNTS
                                - 00070: AGE OF INSTALLMENT ACCOUNT ACTIVITY
                                - 00072: AGE OF JUDGMENT
                                - 00073: AGE OF MORTGAGE ACCOUNTS
                                - 00078: AGE OF TAX LIEN
                                - 00079: AGE OF ACCOUNT ACTIVITY
                                - 00080: AGE OF ACCOUNTS
                                - 00081: TOTAL AMOUNT PAST DUE FOR BANKCARD ACCOUNTS
                                - 00083: BANKCARD HIGH CREDIT
                                - 00095: NUMBER OF AUTO ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 00106: NUMBER OF BANKCARD ACCOUNTS WITH BALANCE
                                - 00107: NUMBER OF BANKCARD ACCOUNTS WITH HIGH UTILIZATION
                                - 00109: NUMBER OF COLLECTIONS
                                - 00123: NUMBER OF INQUIRIES
                                - 00124: NUMBER OF INSTALLMENT ACCOUNTS
                                - 00137: NUMBER OF MORTGAGE ACCOUNTS WITH HIGH BALANCE OUTSTANDING
                                - 00138: NUMBER OF MORTGAGE ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 00144: NUMBER OF OPEN MORTGAGE ACCOUNTS
                                - 00166: NUMBER OF REVOLVING ACCOUNTS
                                - 00176: NUMBER OF REVOLVING ACCOUNTS PAST DUE
                                - 00178: NUMBER OF REVOLVING ACCOUNTS WITH HIGH UTILIZATION
                                - 00179: NUMBER OF REVOLVING ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 00191: NUMBER OF ACCOUNTS
                                - 00201: NUMBER OF ACCOUNTS WITH BALANCE
                                - 00202: NUMBER OF ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 00203: OCCURRENCE OF SEVERE DEROGATORY EVENT
                                - 00209: TOTAL AMOUNT PAST DUE FOR INSTALLMENT ACCOUNTS
                                - 00214: TOTAL BALANCE ON BANKCARD ACCOUNTS
                                - 00216: TOTAL BALANCE ON DEPARTMENT STORE ACCOUNTS
                                - 00219: TOTAL BALANCE ON PERSONAL FINANCE OR STUDENT LOAN ACCOUNTS
                                - 00220: TOTAL BALANCE ON RETAIL ACCOUNTS
                                - 00221: TOTAL BALANCE ON REVOLVING ACCOUNTS
                                - 00223: TOTAL BALANCE ON ACCOUNTS
                                - 00224: TOTAL COLLECTION AMOUNT
                                - 00226: WORST RATING FOR MORTGAGE ACCOUNTS
                                - 00290: INSUFFICIENT INFORMATION ON OR LACK OF BANKCARD ACCOUNTS
                                - 00292: INSUFFICIENT INFORMATION ON OR LACK OF DEPARTMENT STORE ACCOUNTS
                                - 00293: INSUFFICIENT INFORMATION ON OR LACK OF INSTALLMENT ACCOUNTS
                                - 00294: INSUFFICIENT INFORMATION ON OR LACK OF MORTGAGE ACCOUNTS
                                - 00295: INSUFFICIENT INFORMATION ON OR LACK OF PERSONAL FINANCE OR STUDENT LOAN ACCOUNTS
                                - 00297: INSUFFICIENT INFORMATION ON OR LACK OF REVOLVING ACCOUNTS
                                - 00299: INSUFFICIENT INFORMATION ON OR LACK OF ACCOUNTS
                                - 00304: NUMBER OF NON-UTILITY INQUIRIES
                                - 00305: NUMBER OF AUTO ACCOUNTS
                                - 00306: NUMBER OF STUDENT LOAN ACCOUNTS
                                - 00308: NUMBER OF MORTGAGE ACCOUNTS
                                - 00317: 60+ DAYS DELINQUENCY OCCURRENCES ON INSTALLMENT ACCOUNTS
                                - 00332: WORST RATING FOR ALL ACCOUNTS
                                - 00701: PERCENT OF ACCOUNTS STUDENT LOAN
                                - 00702: NO TRADE INFORMATION
                                - 00703: OCCURRENCE OF BANKRUPTCY EVENT
                                - 00704: OCCURRENCE OF 60+ DAYS DELINQUENT OR DEROGATORY
                                - 00705: OCCURRENCE OF PUBLIC RECORDS OTHER THAN TAX LIENS, SUITS AND JUDGMENTS
                                - 00706: PERSONAL FINANCE OR STUDENT LOAN TRADES ON FILE   
                              
                              Score Reason corresponding to Model Number 02037
                                - 00003: Length of Time Accounts Have Been Established
                                - 00005: Too Few Accounts Established
                                - 00008: Number of Accounts With Past Due Balances
                                - 00009: Current Delinquent Rating Reported
                                - 00024: Utilization of Available Credit on Accounts
                                - 00027: Too Few Accounts Currently or in the Past Paid as Agreed
                                - 00028: Too Few Bank Revolving Accounts Currently or in the Past Paid as Agreed
                                - 00041: Percent of Bank Revolving Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00042: Percent of Department Store Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00043: Percent of Bank Installment Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00061: Number of Derogatory Public Record Items on File
                                - 00062: Number of Accounts Not Paid as Agreed in the Past 24 Months
                                - 00071: Number of Accounts with Low Balances of High Credit is Too Few in the Last 12 Months
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00073: Number of Consumer Initiated Retail Inquiries in the Past 24 Months
                                - 00074: Number of Telco/Utility Accounts Reported as Bad Debt
                                - 00075: Too Few Auto Finance Accounts with No Reported Late Payments
                                - 00076: Percent of Credit Union Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months       
                              
                              Score Reason corresponding to Model Number 02525
                                - 00003: Length of Time Accounts Have Been Established
                                - 00005: Too Few Accounts Established
                                - 00008: Number of Accounts With Past Due Balances
                                - 00009: Current Delinquent Rating Reported
                                - 00024: Utilization of Available Credit on Accounts
                                - 00027: Too Few Accounts Currently or in the Past Paid as Agreed
                                - 00028: Too Few Bank Revolving Accounts Currently or in the Past Paid as Agreed
                                - 00041: Percent of Bank Revolving Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00042: Percent of Department Store Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00043: Percent of Bank Installment Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00061: Number of Derogatory Public Record Items on File
                                - 00062: Number of Accounts Not Paid as Agreed in the Past 24 Months
                                - 00071: Number of Accounts with Low Balances of High Credit is Too Few in the Last 12 Months
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00073: Number of Consumer Initiated Retail Inquiries in the Past 24 Months
                                - 00074: Number of Telco/Utility Accounts Reported as Bad Debt
                                - 00075: Too Few Auto Finance Accounts with No Reported Late Payments
                                - 00076: Percent of Credit Union Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months   
                              
                              Score Reason corresponding to Model Number 02725
                                - 00003: Length of Time Accounts have been opened
                                - 00006: Number of Accounts Reported in the Past 12 Months
                                - 00007: Total Amount of Available Credit on All Accounts reported in the past 12 months
                                - 00008: Number of Accounts with Past Due Balances
                                - 00010: Number of Accounts Reported in the Past 12 Months With Outstanding Balances
                                - 00011: Number of Accounts With High Balances
                                - 00015: Length of Time Bank Revolving Accounts Have Been opened
                                - 00019: Number of Bank Revolving Accounts with High Balances
                                - 00024: Utilization of Available Credit on Accounts
                                - 00034: Percent of Department Store Accounts Reported in Past 12 months
                                - 00035: Number of Accounts ever reported 30 + days past due
                                - 00041: Percent of Bank Revolving accounts versus Total Accounts
                                - 00054: Number of Credit Union Accounts ever reported 30+ days past due
                                - 00062: Number of Accounts reported 30+ days past due in the past 24 months
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months
                                - 00124: Number of accounts reported 60 days + late in the past 24 months and Number of Public Records Ever
                                - 00159: Number of Credit Union Accounts
                                - 00169: Percentage of Accounts paid as Agreed
                                - 00181: Number of Accounts Opened in the Past 12 Months
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                - 00200: Lack of Recently Reported Account Information
                                - 00201: No Recent Public Record Information Available
                                - 00218: Presence of a Derogatory Public Record Item
                                - 00322: Number of revolving trades reported in the past 12 months    
                             
                              Score Reason corresponding to Model Number 02874
                                - 00003: Percent of Bankcard Balance Past Due
                                - 00012: Percent of Installment Balance Outstanding
                                - 00019: Percent of Open Revolving Trades
                                - 00020: Percent of Open Trades
                                - 00025: Percent of Revolving Trades 90+ Days Delinquent
                                - 00026: Percent of Revolving Trades Opened Recently
                                - 00030: Percent of Trades 120+ Days Delinquent
                                - 00031: Percent of Trades 60+ Days Delinquent
                                - 00032: Percent of Trades 90+ Days Delinquent
                                - 00035: Percent of Trades Department Store
                                - 00036: Percent of Trades Installment
                                - 00037: Percent of Trades Opened Recently
                                - 00038: Percent of Trades Retail
                                - 00039: Percent of Trades Revolving
                                - 00040: Percent of Trades Satisfactory
                                - 00041: Percent of Trades with Major Derogatory Event
                                - 00042: 120-180 or More Days Delinquency Occurrences
                                - 00044: 120-180 or More Days Delinquency Occurrences on Department Store Trades
                                - 00045: 120-180 or More Days Delinquency Occurrences on Installment Trades
                                - 00048: 30 Days Delinquency Occurrences
                                - 00051: 30 Days Delinquency Occurrences on Installment Trades
                                - 00053: 30 Days Delinquency Occurrences on Revolving Trades
                                - 00054: 60 Days Delinquency Occurrences
                                - 00059: 60 Days Delinquency Occurrences on Revolving Trades
                                - 00060: 90 Days Delinquency Occurrences
                                - 00068: Age of Bankcard Trades
                                - 00069: Age of Department Store Trades
                                - 00071: Age of Installment Trades
                                - 00072: Age of Judgment
                                - 00073: Age of Mortgage Trades
                                - 00074: Age of Retail Trades
                                - 00076: Age of Revolving Trades
                                - 00079: Age of Trade Activity
                                - 00080: Age of Trades
                                - 00083: Bankcard High Credit
                                - 00084: Bankcard Utilization
                                - 00088: Mortgage High Credit
                                - 00094: Number of Auto Finance Trades with Balance Outstanding
                                - 00103: Number of Bankcard Trades 90+ Days Delinquent
                                - 00107: Number of Bankcard Trades with High Utilization
                                - 00109: Number of Collections
                                - 00120: Number of Department Store Trades with Balance
                                - 00123: Number of Inquiries
                                - 00124: Number of Installment Trades
                                - 00126: Number of Installment Trades 120-180 or More Days Delinquent
                                - 00129: Number of Installment Trades 60+ Days Delinquent
                                - 00133: Number of Installment Trades Opened Recently
                                - 00135: Number of Installment Trades with High Balance Outstanding
                                - 00136: Number of Installment Trades with Major Derogatory Event
                                - 00139: Number of Open Auto Finance Trades
                                - 00140: Number of Open Bankcard Trades
                                - 00141: Number of Open Credit Union Trades
                                - 00142: Number of Open Department Store Trades
                                - 00144: Number of Open Mortgage Trades
                                - 00145: Number of Open Personal Finance Trades
                                - 00146: Number of Open Retail Trades
                                - 00148: Number of Open Sales Finance Trades
                                - 00154: Number of Recent Inquiries
                                - 00164: Number of Retail Trades with High Utilization
                                - 00166: Number of Revolving Trades
                                - 00173: Number of Revolving Trades 90+ Days Delinquent
                                - 00174: Number of Revolving Trades Less Than 59 Days Delinquent
                                - 00175: Number of Revolving Trades Opened Recently
                                - 00178: Number of Revolving Trades with High Utilization
                                - 00185: Number of Satisfactory Bankcard Trades
                                - 00190: Number of Satisfactory Trades
                                - 00191: Number of Trades
                                - 00193: Number of Trades 120-180 or More Days Delinquent
                                - 00194: Number of Trades 30 Days Delinquent
                                - 00195: Number of Trades 60 Days Delinquent
                                - 00197: Number of Trades 90 Days Delinquent
                                - 00199: Number of Trades Opened Recently
                                - 00200: Number of Trades Past Due
                                - 00202: Number of Trades with Major Derogatory Event
                                - 00205: Revolving High Credit
                                - 00206: Revolving Utilization
                                - 00209: Total Amount Past Due for Installment Trades
                                - 00211: Total Amount Past Due for Revolving Trades
                                - 00212: Total Amount Past Due for Trades
                                - 00214: Total Balance on Bankcard Trades
                                - 00215: Total Balance on Credit Union Trades
                                - 00216: Total Balance on Department Store Trades
                                - 00217: Total Balance on Installment Trades
                                - 00219: Total Balance on Personal Finance Trades
                                - 00220: Total Balance on Retail Trades
                                - 00221: Total Balance on Revolving Trades
                                - 00222: Total Balance on Sales Finance Trades
                                - 00223: Total Balance on Trades
                                - 00224: Total Collection Amount
                                - 00226: Worst Rating for Mortgage Trades
                                - 00290: Insufficient information on or lack of bankcard trades
                                - 00291: Insufficient information on or lack of credit union trades
                                - 00292: Insufficient information on or lack of department store trades
                                - 00293: Insufficient information on or lack of installment trades
                                - 00294: Insufficient information on or lack of mortgage trades
                                - 00295: Insufficient information on or lack of personal finance trades
                                - 00296: Insufficient information on or lack of retail trades
                                - 00297: Insufficient information on or lack of revolving trades
                                - 00298: Insufficient information on or lack of sales finance trades
                                - 00299: Insufficient information on or lack of trades
                                - 00301: 30 Days or Worse Delinquency Occurrences
                                - 00302: Number of Trades 30 Days or Worse Delinquent
                                - 00303: Number of Trades 30 Days or Worse Delinquent or with Major Derogatory Event
                                - 00304: 30 Days or Worse Delinquency Occurrences on Installment Trades
                                - 00305: 60 Days or Worse Delinquency Occurrences on Revolving Trades 
                              
                              Score Reason corresponding to Model Number 02875
                                - 00003: Percent of Bankcard Balance Past Due
                                - 00012: Percent of Installment Balance Outstanding
                                - 00019: Percent of Open Revolving Trades
                                - 00020: Percent of Open Trades
                                - 00025: Percent of Revolving Trades 90+ Days Delinquent
                                - 00026: Percent of Revolving Trades Opened Recently
                                - 00030: Percent of Trades 120+ Days Delinquent
                                - 00031: Percent of Trades 60+ Days Delinquent
                                - 00032: Percent of Trades 90+ Days Delinquent
                                - 00035: Percent of Trades Department Store
                                - 00036: Percent of Trades Installment
                                - 00037: Percent of Trades Opened Recently
                                - 00038: Percent of Trades Retail
                                - 00039: Percent of Trades Revolving
                                - 00040: Percent of Trades Satisfactory
                                - 00041: Percent of Trades with Major Derogatory Event
                                - 00042: 120-180 or More Days Delinquency Occurrences
                                - 00044: 120-180 or More Days Delinquency Occurrences on Department Store Trades
                                - 00045: 120-180 or More Days Delinquency Occurrences on Installment Trades
                                - 00048: 30 Days Delinquency Occurrences
                                - 00051: 30 Days Delinquency Occurrences on Installment Trades
                                - 00053: 30 Days Delinquency Occurrences on Revolving Trades
                                - 00054: 60 Days Delinquency Occurrences
                                - 00059: 60 Days Delinquency Occurrences on Revolving Trades
                                - 00060: 90 Days Delinquency Occurrences
                                - 00068: Age of Bankcard Trades
                                - 00069: Age of Department Store Trades
                                - 00071: Age of Installment Trades
                                - 00072: Age of Judgment
                                - 00073: Age of Mortgage Trades
                                - 00074: Age of Retail Trades
                                - 00076: Age of Revolving Trades
                                - 00079: Age of Trade Activity
                                - 00080: Age of Trades
                                - 00083: Bankcard High Credit
                                - 00084: Bankcard Utilization
                                - 00088: Mortgage High Credit
                                - 00094: Number of Auto Finance Trades with Balance Outstanding
                                - 00103: Number of Bankcard Trades 90+ Days Delinquent
                                - 00107: Number of Bankcard Trades with High Utilization
                                - 00109: Number of Collections
                                - 00120: Number of Department Store Trades with Balance
                                - 00123: Number of Inquiries
                                - 00124: Number of Installment Trades
                                - 00126: Number of Installment Trades 120-180 or More Days Delinquent
                                - 00129: Number of Installment Trades 60+ Days Delinquent
                                - 00133: Number of Installment Trades Opened Recently
                                - 00135: Number of Installment Trades with High Balance Outstanding
                                - 00136: Number of Installment Trades with Major Derogatory Event
                                - 00139: Number of Open Auto Finance Trades
                                - 00140: Number of Open Bankcard Trades
                                - 00141: Number of Open Credit Union Trades
                                - 00142: Number of Open Department Store Trades
                                - 00144: Number of Open Mortgage Trades
                                - 00145: Number of Open Personal Finance Trades
                                - 00146: Number of Open Retail Trades
                                - 00148: Number of Open Sales Finance Trades
                                - 00154: Number of Recent Inquiries
                                - 00164: Number of Retail Trades with High Utilization
                                - 00166: Number of Revolving Trades
                                - 00173: Number of Revolving Trades 90+ Days Delinquent
                                - 00174: Number of Revolving Trades Less Than 59 Days Delinquent
                                - 00175: Number of Revolving Trades Opened Recently
                                - 00178: Number of Revolving Trades with High Utilization
                                - 00185: Number of Satisfactory Bankcard Trades
                                - 00190: Number of Satisfactory Trades
                                - 00191: Number of Trades
                                - 00193: Number of Trades 120-180 or More Days Delinquent
                                - 00194: Number of Trades 30 Days Delinquent
                                - 00195: Number of Trades 60 Days Delinquent
                                - 00197: Number of Trades 90 Days Delinquent
                                - 00199: Number of Trades Opened Recently
                                - 00200: Number of Trades Past Due
                                - 00202: Number of Trades with Major Derogatory Event
                                - 00205: Revolving High Credit
                                - 00206: Revolving Utilization
                                - 00209: Total Amount Past Due for Installment Trades
                                - 00211: Total Amount Past Due for Revolving Trades
                                - 00212: Total Amount Past Due for Trades
                                - 00214: Total Balance on Bankcard Trades
                                - 00215: Total Balance on Credit Union Trades
                                - 00216: Total Balance on Department Store Trades
                                - 00217: Total Balance on Installment Trades
                                - 00219: Total Balance on Personal Finance Trades
                                - 00220: Total Balance on Retail Trades
                                - 00221: Total Balance on Revolving Trades
                                - 00222: Total Balance on Sales Finance Trades
                                - 00223: Total Balance on Trades
                                - 00224: Total Collection Amount
                                - 00226: Worst Rating for Mortgage Trades
                                - 00290: Insufficient information on or lack of bankcard trades
                                - 00291: Insufficient information on or lack of credit union trades
                                - 00292: Insufficient information on or lack of department store trades
                                - 00293: Insufficient information on or lack of installment trades
                                - 00294: Insufficient information on or lack of mortgage trades
                                - 00295: Insufficient information on or lack of personal finance trades
                                - 00296: Insufficient information on or lack of retail trades
                                - 00297: Insufficient information on or lack of revolving trades
                                - 00298: Insufficient information on or lack of sales finance trades
                                - 00299: Insufficient information on or lack of trades
                                - 00301: 30 Days or Worse Delinquency Occurrences
                                - 00302: Number of Trades 30 Days or Worse Delinquent
                                - 00303: Number of Trades 30 Days or Worse Delinquent or with Major Derogatory Event
                                - 00304: 30 Days or Worse Delinquency Occurrences on Installment Trades
                                - 00305: 60 Days or Worse Delinquency Occurrences on Revolving Trades  
                              
                              Score Reason corresponding to Model Number 02893
                                - 00003: Percent of Bankcard Balance Past Due
                                - 00012: Percent of Installment Balance Outstanding
                                - 00019: Percent of Open Revolving Trades
                                - 00020: Percent of Open Trades
                                - 00025: Percent of Revolving Trades 90+ Days Delinquent
                                - 00026: Percent of Revolving Trades Opened Recently
                                - 00030: Percent of Trades 120+ Days Delinquent
                                - 00031: Percent of Trades 60+ Days Delinquent
                                - 00032: Percent of Trades 90+ Days Delinquent
                                - 00035: Percent of Trades Department Store
                                - 00036: Percent of Trades Installment
                                - 00037: Percent of Trades Opened Recently
                                - 00038: Percent of Trades Retail
                                - 00039: Percent of Trades Revolving
                                - 00040: Percent of Trades Satisfactory
                                - 00041: Percent of Trades with Major Derogatory Event
                                - 00042: 120-180 or More Days Delinquency Occurrences
                                - 00044: 120-180 or More Days Delinquency Occurrences on Department Store Trades
                                - 00045: 120-180 or More Days Delinquency Occurrences on Installment Trades
                                - 00048: 30 Days Delinquency Occurrences
                                - 00051: 30 Days Delinquency Occurrences on Installment Trades
                                - 00053: 30 Days Delinquency Occurrences on Revolving Trades
                                - 00054: 60 Days Delinquency Occurrences
                                - 00059: 60 Days Delinquency Occurrences on Revolving Trades
                                - 00060: 90 Days Delinquency Occurrences
                                - 00068: Age of Bankcard Trades
                                - 00069: Age of Department Store Trades
                                - 00071: Age of Installment Trades
                                - 00072: Age of Judgment
                                - 00073: Age of Mortgage Trades
                                - 00074: Age of Retail Trades
                                - 00076: Age of Revolving Trades
                                - 00079: Age of Trade Activity
                                - 00080: Age of Trades
                                - 00083: Bankcard High Credit
                                - 00084: Bankcard Utilization
                                - 00088: Mortgage High Credit
                                - 00094: Number of Auto Finance Trades with Balance Outstanding
                                - 00103: Number of Bankcard Trades 90+ Days Delinquent
                                - 00107: Number of Bankcard Trades with High Utilization
                                - 00109: Number of Collections
                                - 00120: Number of Department Store Trades with Balance
                                - 00123: Number of Inquiries
                                - 00124: Number of Installment Trades
                                - 00126: Number of Installment Trades 120-180 or More Days Delinquent
                                - 00129: Number of Installment Trades 60+ Days Delinquent
                                - 00133: Number of Installment Trades Opened Recently
                                - 00135: Number of Installment Trades with High Balance Outstanding
                                - 00136: Number of Installment Trades with Major Derogatory Event
                                - 00139: Number of Open Auto Finance Trades
                                - 00140: Number of Open Bankcard Trades
                                - 00141: Number of Open Credit Union Trades
                                - 00142: Number of Open Department Store Trades
                                - 00144: Number of Open Mortgage Trades
                                - 00145: Number of Open Personal Finance Trades
                                - 00146: Number of Open Retail Trades
                                - 00148: Number of Open Sales Finance Trades
                                - 00154: Number of Recent Inquiries
                                - 00164: Number of Retail Trades with High Utilization
                                - 00166: Number of Revolving Trades
                                - 00173: Number of Revolving Trades 90+ Days Delinquent
                                - 00174: Number of Revolving Trades Less Than 59 Days Delinquent
                                - 00175: Number of Revolving Trades Opened Recently
                                - 00178: Number of Revolving Trades with High Utilization
                                - 00185: Number of Satisfactory Bankcard Trades
                                - 00190: Number of Satisfactory Trades
                                - 00191: Number of Trades
                                - 00193: Number of Trades 120-180 or More Days Delinquent
                                - 00194: Number of Trades 30 Days Delinquent
                                - 00195: Number of Trades 60 Days Delinquent
                                - 00197: Number of Trades 90 Days Delinquent
                                - 00199: Number of Trades Opened Recently
                                - 00200: Number of Trades Past Due
                                - 00202: Number of Trades with Major Derogatory Event
                                - 00205: Revolving High Credit
                                - 00206: Revolving Utilization
                                - 00209: Total Amount Past Due for Installment Trades
                                - 00211: Total Amount Past Due for Revolving Trades
                                - 00212: Total Amount Past Due for Trades
                                - 00214: Total Balance on Bankcard Trades
                                - 00215: Total Balance on Credit Union Trades
                                - 00216: Total Balance on Department Store Trades
                                - 00217: Total Balance on Installment Trades
                                - 00219: Total Balance on Personal Finance Trades
                                - 00220: Total Balance on Retail Trades
                                - 00221: Total Balance on Revolving Trades
                                - 00222: Total Balance on Sales Finance Trades
                                - 00223: Total Balance on Trades
                                - 00224: Total Collection Amount
                                - 00226: Worst Rating for Mortgage Trades
                                - 00290: Insufficient information on or lack of bankcard trades
                                - 00291: Insufficient information on or lack of credit union trades
                                - 00292: Insufficient information on or lack of department store trades
                                - 00293: Insufficient information on or lack of installment trades
                                - 00294: Insufficient information on or lack of mortgage trades
                                - 00295: Insufficient information on or lack of personal finance trades
                                - 00296: Insufficient information on or lack of retail trades
                                - 00297: Insufficient information on or lack of revolving trades
                                - 00298: Insufficient information on or lack of sales finance trades
                                - 00299: Insufficient information on or lack of trades
                                - 00301: 30 Days or Worse Delinquency Occurrences
                                - 00302: Number of Trades 30 Days or Worse Delinquent
                                - 00303: Number of Trades 30 Days or Worse Delinquent or with Major Derogatory Event
                                - 00304: 30 Days or Worse Delinquency Occurrences on Installment Trades
                                - 00305: 60 Days or Worse Delinquency Occurrences on Revolving Trades   
                              
                              Score Reason corresponding to Model Number 02481
                                - 00003: Percent of Bankcard Balance Past Due
                                - 00012: Percent of Installment Balance Outstanding
                                - 00019: Percent of Open Revolving Trades
                                - 00020: Percent of Open Trades
                                - 00025: Percent of Revolving Trades 90+ Days Delinquent
                                - 00026: Percent of Revolving Trades Opened Recently
                                - 00030: Percent of Trades 120+ Days Delinquent
                                - 00031: Percent of Trades 60+ Days Delinquent
                                - 00032: Percent of Trades 90+ Days Delinquent
                                - 00035: Percent of Trades Department Store
                                - 00036: Percent of Trades Installment
                                - 00037: Percent of Trades Opened Recently
                                - 00038: Percent of Trades Retail
                                - 00039: Percent of Trades Revolving
                                - 00040: Percent of Trades Satisfactory
                                - 00041: Percent of Trades with Major Derogatory Event
                                - 00042: 120-180 or More Days Delinquency Occurrences
                                - 00044: 120-180 or More Days Delinquency Occurrences on Department Store Trades
                                - 00045: 120-180 or More Days Delinquency Occurrences on Installment Trades
                                - 00048: 30 Days Delinquency Occurrences
                                - 00051: 30 Days Delinquency Occurrences on Installment Trades
                                - 00053: 30 Days Delinquency Occurrences on Revolving Trades
                                - 00054: 60 Days Delinquency Occurrences
                                - 00059: 60 Days Delinquency Occurrences on Revolving Trades
                                - 00060: 90 Days Delinquency Occurrences
                                - 00068: Age of Bankcard Trades
                                - 00069: Age of Department Store Trades
                                - 00071: Age of Installment Trades
                                - 00072: Age of Judgment
                                - 00073: Age of Mortgage Trades
                                - 00074: Age of Retail Trades
                                - 00076: Age of Revolving Trades
                                - 00079: Age of Trade Activity
                                - 00080: Age of Trades
                                - 00083: Bankcard High Credit
                                - 00084: Bankcard Utilization
                                - 00088: Mortgage High Credit
                                - 00094: Number of Auto Finance Trades with Balance Outstanding
                                - 00103: Number of Bankcard Trades 90+ Days Delinquent
                                - 00107: Number of Bankcard Trades with High Utilization
                                - 00109: Number of Collections
                                - 00120: Number of Department Store Trades with Balance
                                - 00123: Number of Inquiries
                                - 00124: Number of Installment Trades
                                - 00126: Number of Installment Trades 120-180 or More Days Delinquent
                                - 00129: Number of Installment Trades 60+ Days Delinquent
                                - 00133: Number of Installment Trades Opened Recently
                                - 00135: Number of Installment Trades with High Balance Outstanding
                                - 00136: Number of Installment Trades with Major Derogatory Event
                                - 00139: Number of Open Auto Finance Trades
                                - 00140: Number of Open Bankcard Trades
                                - 00141: Number of Open Credit Union Trades
                                - 00142: Number of Open Department Store Trades
                                - 00144: Number of Open Mortgage Trades
                                - 00145: Number of Open Personal Finance Trades
                                - 00146: Number of Open Retail Trades
                                - 00148: Number of Open Sales Finance Trades
                                - 00154: Number of Recent Inquiries
                                - 00164: Number of Retail Trades with High Utilization
                                - 00166: Number of Revolving Trades
                                - 00173: Number of Revolving Trades 90+ Days Delinquent
                                - 00174: Number of Revolving Trades Less Than 59 Days Delinquent
                                - 00175: Number of Revolving Trades Opened Recently
                                - 00178: Number of Revolving Trades with High Utilization
                                - 00185: Number of Satisfactory Bankcard Trades
                                - 00190: Number of Satisfactory Trades
                                - 00191: Number of Trades
                                - 00193: Number of Trades 120-180 or More Days Delinquent
                                - 00194: Number of Trades 30 Days Delinquent
                                - 00195: Number of Trades 60 Days Delinquent
                                - 00197: Number of Trades 90 Days Delinquent
                                - 00199: Number of Trades Opened Recently
                                - 00200: Number of Trades Past Due
                                - 00202: Number of Trades with Major Derogatory Event
                                - 00205: Revolving High Credit
                                - 00206: Revolving Utilization
                                - 00209: Total Amount Past Due for Installment Trades
                                - 00211: Total Amount Past Due for Revolving Trades
                                - 00212: Total Amount Past Due for Trades
                                - 00214: Total Balance on Bankcard Trades
                                - 00215: Total Balance on Credit Union Trades
                                - 00216: Total Balance on Department Store Trades
                                - 00217: Total Balance on Installment Trades
                                - 00219: Total Balance on Personal Finance Trades
                                - 00220: Total Balance on Retail Trades
                                - 00221: Total Balance on Revolving Trades
                                - 00222: Total Balance on Sales Finance Trades
                                - 00223: Total Balance on Trades
                                - 00224: Total Collection Amount
                                - 00226: Worst Rating for Mortgage Trades
                                - 00290: Insufficient information on or lack of bankcard trades
                                - 00291: Insufficient information on or lack of credit union trades
                                - 00292: Insufficient information on or lack of department store trades
                                - 00293: Insufficient information on or lack of installment trades
                                - 00294: Insufficient information on or lack of mortgage trades
                                - 00295: Insufficient information on or lack of personal finance trades
                                - 00296: Insufficient information on or lack of retail trades
                                - 00297: Insufficient information on or lack of revolving trades
                                - 00298: Insufficient information on or lack of sales finance trades
                                - 00299: Insufficient information on or lack of trades
                                - 00301: 30 Days or Worse Delinquency Occurrences
                                - 00302: Number of Trades 30 Days or Worse Delinquent
                                - 00303: Number of Trades 30 Days or Worse Delinquent or with Major Derogatory Event
                                - 00304: 30 Days or Worse Delinquency Occurrences on Installment Trades
                                - 00305: 60 Days or Worse Delinquency Occurrences on Revolving Trades  
                              
                              Score Reason corresponding to Model Number 02527
                                - 00001: Number of consumer initiated inquiries in the past 6 months
                                - 00003: Length of time accounts have been established
                                - 00004: Too many accounts opened in the past 24 months
                                - 00005: Too Few Accounts Established
                                - 00008: Number of accounts with past due balances
                                - 00010: Number of accounts reported in past 12 months with outstanding balances
                                - 00011: Number of accounts with high balances
                                - 00014: Total available line of credit on bank revolving accounts
                                - 00015: Length of time bank revolving accounts have been established
                                - 00019: Number of bank revolving accounts with high balances
                                - 00023: Number of bank installment accounts always paid as agreed
                                - 00024: Utilization of available credit on accounts
                                - 00026: Utilization of available credit on department store accounts
                                - 00027: Too few accounts paid as agreed
                                - 00028: Too few bank revolving accounts paid as agreed
                                - 00035: Number of accounts with reported late payments
                                - 00037: Number of department store accounts with reported late payments
                                - 00038: Number of accounts reported 60+ days late in the past 24 months
                                - 00039: Number of accounts reported in the past 12 months
                                - 00041: Percent of bank revolving accounts versus total accounts reported in the past 12 months
                                - 00042: Percent of department store accounts versus total accounts reported in the past 12 months
                                - 00043: Percent of bank installment accounts versus total accounts reported in the past 12 months
                                - 00058: Number of credit union accounts always paid as agreed
                                - 00061: Number of derogatory public record items on file
                                - 00068: Number of accounts reported as 90-120 days late in the past 24 months
                                - 00070: Length of time or unknown time since department store accounts have been established
                                - 00072: Number of consumer initiated inquiries in the past 12 months
                                - 00076: Percent of credit union accounts versus total accounts reported in the past 12 months
                                - 00077: Utilization on revolving accounts reported in the past 6 months
                                - 00080: Amount past due on accounts with reported late payments
                                - 00087: Number of accounts reported as 30 days late in the past 24 months
                                - 00088: Number of accounts reported as bad debt in the past 24 months
                                - 00089: Length of time department store accounts have been established
                                - 00093: Time since most recent activity on bank revolving accounts or status of bank revolving accounts is unknown
                                - 00094: Number of bank revolving accounts with past due balances or status of accounts unknown
                                - 00109: Number of bank revolving accounts 60+ days late or status unknown
                                - 00112: Insufficient number or lack of credit union accounts
                                - 00113: Number of accounts reported 90+ days late/derogatory public records filed in the past 24 months
                                - 00126: Number of department store accounts reported 90+ days late or bad debt in the past 24 months
                                - 00133: Number of bank revolving accounts currently reported as 60+ days late
                                - 00134: Amount past due on department store accounts with reported late payments
                                - 00135: Total amount of available credit on revolving trades reported in the last 6 months
                                - 00137: Number of bank revolving accounts reported in the past 12 months
                                - 00138: Number of bank revolving trades currently reported 90+ days late
                                - 00139: Number of bank revolving trades currently reported bad debt in the past 24 months
                                - 00140: Number of accounts paid as agreed with recently reported balances     
                              
                              Score Reason corresponding to Model Number 02575
                                - 00001: Number of consumer initiated inquiries in the last 6 months
                                - 00003: Length of time accounts have been established
                                - 00010: Number of accounts reported in the past 12 months with outstanding balances
                                - 00011: Number of accounts with high balances
                                - 00015: Length of time bank revolving accounts have been established
                                - 00019: Number of bank revolving accounts with high balances
                                - 00026: Utilization of available credit on department store accounts
                                - 00059: Time since consumer initiated inquiry reported
                                - 00062: Number of accounts reported 30+ days late in the last 24 months
                                - 00072: Number of consumer initiated inquiries in the past 12 months
                                - 00077: Utilization on revolving accounts reported in the past 6 months
                                - 00084: Number of bank installment accounts
                                - 00087: Number of accounts reported as 30 days past due in the past 24 months
                                - 00089: Length of time department store accounts have been opened
                                - 00130: Number of accounts ever reported paid as agreed
                                - 00159: Number of credit union accounts
                                - 00173: Amount currently past due on accounts
                                - 00188: Number of accounts reported 60 days + late in the past 24 months and number of public records ever
                                - 00242: Number of bank revolving accounts ever paid as agreed
                                - 00281: Number of accounts ever reported 30+ days late
                                - 00297: Length of time since most recent bank revolving account opened
                                - 00304: Maximum bank revolving utilization ratio reported in the past 12 months    
                              
                              Score Reason corresponding to Model Number 02531
                                - A0: Account payment history is too new to rate
                                - A1: Accounts last reported in delinquent status
                                - A2: Amount of credit available on revolving accounts
                                - A3: Amount owed on accounts is too high
                                - A4: Amount owed on bank/national revolving accounts
                                - A5: Amount owed on collections filed
                                - A6: Amount owed on delinquent accounts
                                - A7: Amount owed on recently opened accounts is too high
                                - A8: Amount owed on recently opened bank/national revolving accounts is too high
                                - A9: Amount owed on recently opened consumer finance company accounts is too high
                                - B0: Amount owed on recently opened retail accounts is too high
                                - B1: Amount owed on recently opened revolving accounts is too high
                                - B2: Amount owed on recently opened sales finance company accounts is too high
                                - B3: Amount owed on retail accounts
                                - B4: Amount owed on revolving accounts
                                - B5: Amount owed on revolving accounts is too high
                                - B6: Amount past due on accounts
                                - D0: Bankruptcy filing reported
                                - D1: Date of last inquiry too recent
                                - D2: Delinquency on accounts
                                - D3: Delinquency on recently opened accounts
                                - D4: Derogatory public record or collection filed
                                - D5: Frequency of delinquency
                                - D6: Level of delinquency on accounts
                                - D7: Serious delinquency
                                - D8: Serious delinquency, and public record or collection filed
                                - F0: Insufficient installment payment history
                                - F1: Lack of recently established credit accounts
                                - F2: Lack of recently established revolving accounts
                                - F3: Lack of recent auto finance loan information
                                - F4: Lack of recent auto loan information
                                - F5: Lack of recent bank/national revolving information
                                - F6: Lack of recent consumer finance company account information
                                - F7: Lack of recent installment loan information
                                - F8: Lack of recent reported mortgage loan information
                                - F9: Lack of recent non-mortgage installment loan information
                                - G0: Lack of recent retail account information
                                - G1: Lack of recent revolving account information
                                - G2: No mortgage loans reported
                                - G3: No recent bank/national revolving balances
                                - G4: No recent non-mortgage balance information
                                - G5: No recent retail balances
                                - G6: No recent revolving balances
                                - J0: Length of time accounts have been established
                                - J1: Length of time auto accounts have been established
                                - J2: Length of time bank/national revolving accounts have been established
                                - J3: Length of time consumer finance company loans have been established
                                - J4: Length of time installment loans been established
                                - J5: Length of time reported mortgage accounts have been established
                                - J6: Length of time open installment loans have been established
                                - J7: Length of time retail accounts have been established
                                - J8: Length of time revolving accounts have been established
                                - J9: Time since account activity is too long
                                - K0: Time since delinquency is too recent or unknown
                                - K1: Time since derogatory public record or collection is too short
                                - K2: Time since most recent account opening is too short
                                - K3: Time since most recent auto account opening is too short
                                - K4: Time since most recent bank/national account opening is too short
                                - K5: Time since most recent consumer finance company account opening is too short
                                - K6: Time since most recent installment loan account opening is too short
                                - K7: Time since most recent retail account established
                                - K8: Time since most recent revolving account established
                                - K9: Time since most recent sales finance company account opening is too short
                                - M0: Number of accounts currently in delinquent status
                                - M1: Number of accounts with delinquency
                                - M2: Number of accounts with recent delinquency
                                - M3: Number of active bank/national revolving accounts
                                - M4: Number of active retail accounts
                                - M5: Number of adverse/derog public records
                                - M6: Number of bank/national revolving accounts with balances
                                - M7: Number of bank/national revolving accounts
                                - M8: Number of bank/national revolving or other revolving accounts
                                - M9: Number of collections filed
                                - N0: Number of consumer finance company accounts established relative to length of consumer finance history
                                - N1: Number of consumer finance company inquiries
                                - N2: Number of established accounts
                                - N3: Number of open installment loans
                                - N4: Number of recently opened consumer finance company accounts
                                - N5: Number of retail accounts
                                - N6: Number of retail accounts with balances
                                - N7: Number of revolving accounts
                                - N8: Number of revolving accounts with balances higher than limits
                                - P0: Proportion of balance to limit on auto accounts is too high
                                - P1: Proportion of balance to limit on delinquent accounts is too high
                                - P2: Proportion of balance to limit on consumer finance company accounts is too high
                                - P3: Proportion of balance to limit on retail accounts is too high
                                - P5: Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high
                                - P6: Proportion of balances to credit limits on revolving accounts is too high
                                - P7: Proportion of balance to limit on sales finance company accounts is too high
                                - P8: Proportion of balances to loan amounts on mortgage loans is too high
                                - P9: Proportion of loan balances to loan amounts is too high
                                - Q0: Proportion of revolving balances to total balances is too high
                                - Q1: Proportion of balances to credit limits on bank/national revolving accounts is too high
                                - R0: Too few accounts currently paid as agreed
                                - R1: Too few accounts with balances
                                - R2: Too few accounts with recent payment information
                                - R3: Too few active accounts
                                - R4: Too few bank/national revolving accounts
                                - R5: Too few bank/national revolving accounts with recent payment information
                                - R6: Too few consumer finance company accounts with recent payment information
                                - R7: Too few installment accounts
                                - R8: Too few retail accounts
                                - R9: Too few retail accounts with recent payment information
                                - S0: Too few revolving accounts
                                - S1: Too few revolving accounts with recent payment information
                                - S2: Too few sales finance company accounts with recent payment information
                                - T0: Too many accounts recently opened
                                - T1: Too many accounts with balances
                                - T2: Too many bank/national revolving accounts
                                - T3: Too many consumer finance company accounts
                                - T4: Too many installment accounts
                                - T5: Too many inquiries last 12 months
                                - T6: Too many recently active accounts
                                - T7: Too many recently active auto accounts
                                - T8: Too many recently active bank/national revolving accounts
                                - T9: Too many recently active consumer finance company accounts
                                - U0: Too many recently active installment loan accounts
                                - U1: Too many recently active retail accounts
                                - U2: Too many recently active sales finance company accounts
                                - U4: Too many recently opened accounts with balances
                                - U5: Too many recently opened bank/national revolving accounts
                                - U6: Too many recently opened consumer finance company accounts
                                - U7: Too many recently opened installment accounts
                                - U8: Too many recently opened retail accounts with balances
                                - U9: Too many recently opened revolving accounts
                                - V0: Too many recently opened revolving accounts with balances
                                - V1: Too many recently opened sales finance company accounts
                                - V2: Too many retail accounts
                                - V3: Too many revolving accounts
                                - V4: Too many recently opened bank/national revolving accounts with balances
                                - X0: Payments due on accounts    
                              
                              Score Reason corresponding to Model Number 02825
                                - A0: Account payment history is too new to rate
                                - A1: Accounts last reported in delinquent status
                                - A2: Amount of credit available on revolving accounts
                                - A3: Amount owed on accounts is too high
                                - A4: Amount owed on bank/national revolving accounts
                                - A5: Amount owed on collections filed
                                - A6: Amount owed on delinquent accounts
                                - A7: Amount owed on recently opened accounts is too high
                                - A8: Amount owed on recently opened bank/national revolving accounts is too high
                                - A9: Amount owed on recently opened consumer finance company accounts is too high
                                - B0: Amount owed on recently opened retail accounts is too high
                                - B1: Amount owed on recently opened revolving accounts is too high
                                - B2: Amount owed on recently opened sales finance company accounts is too high
                                - B3: Amount owed on retail accounts
                                - B4: Amount owed on revolving accounts
                                - B5: Amount owed on revolving accounts is too high
                                - B6: Amount past due on accounts
                                - D0: Bankruptcy filing reported
                                - D1: Date of last inquiry too recent
                                - D2: Delinquency on accounts
                                - D3: Delinquency on recently opened accounts
                                - D4: Derogatory public record or collection filed
                                - D5: Frequency of delinquency
                                - D6: Level of delinquency on accounts
                                - D7: Serious delinquency
                                - D8: Serious delinquency, and public record or collection filed
                                - F0: Insufficient installment payment history
                                - F1: Lack of recently established credit accounts
                                - F2: Lack of recently established revolving accounts
                                - F3: Lack of recent auto finance loan information
                                - F4: Lack of recent auto loan information
                                - F5: Lack of recent bank/national revolving information
                                - F6: Lack of recent consumer finance company account information
                                - F7: Lack of recent installment loan information
                                - F8: Lack of recent reported mortgage loan information
                                - F9: Lack of recent non-mortgage installment loan information
                                - G0: Lack of recent retail account information
                                - G1: Lack of recent revolving account information
                                - G2: No mortgage loans reported
                                - G3: No recent bank/national revolving balances
                                - G4: No recent non-mortgage balance information
                                - G5: No recent retail balances
                                - G6: No recent revolving balances
                                - J0: Length of time accounts have been established
                                - J1: Length of time auto accounts have been established
                                - J2: Length of time bank/national revolving accounts have been established
                                - J3: Length of time consumer finance company loans have been established
                                - J4: Length of time installment loans been established
                                - J5: Length of time reported mortgage accounts have been established
                                - J6: Length of time open installment loans have been established
                                - J7: Length of time retail accounts have been established
                                - J8: Length of time revolving accounts have been established
                                - J9: Time since account activity is too long
                                - K0: Time since delinquency is too recent or unknown
                                - K1: Time since derogatory public record or collection is too short
                                - K2: Time since most recent account opening is too short
                                - K3: Time since most recent auto account opening is too short
                                - K4: Time since most recent bank/national account opening is too short
                                - K5: Time since most recent consumer finance company account opening is too short
                                - K6: Time since most recent installment loan account opening is too short
                                - K7: Time since most recent retail account established
                                - K8: Time since most recent revolving account established
                                - K9: Time since most recent sales finance company account opening is too short
                                - M0: Number of accounts currently in delinquent status
                                - M1: Number of accounts with delinquency
                                - M2: Number of accounts with recent delinquency
                                - M3: Number of active bank/national revolving accounts
                                - M4: Number of active retail accounts
                                - M5: Number of adverse/derog public records
                                - M6: Number of bank/national revolving accounts with balances
                                - M7: Number of bank/national revolving accounts
                                - M8: Number of bank/national revolving or other revolving accounts
                                - M9: Number of collections filed
                                - N0: Number of consumer finance company accounts established relative to length of consumer finance history
                                - N1: Number of consumer finance company inquiries
                                - N2: Number of established accounts
                                - N3: Number of open installment loans
                                - N4: Number of recently opened consumer finance company accounts
                                - N5: Number of retail accounts
                                - N6: Number of retail accounts with balances
                                - N7: Number of revolving accounts
                                - N8: Number of revolving accounts with balances higher than limits
                                - P0: Proportion of balance to limit on auto accounts is too high
                                - P1: Proportion of balance to limit on delinquent accounts is too high
                                - P2: Proportion of balance to limit on consumer finance company accounts is too high
                                - P3: Proportion of balance to limit on retail accounts is too high
                                - P5: Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high
                                - P6: Proportion of balances to credit limits on revolving accounts is too high
                                - P7: Proportion of balance to limit on sales finance company accounts is too high
                                - P8: Proportion of balances to loan amounts on mortgage loans is too high
                                - P9: Proportion of loan balances to loan amounts is too high
                                - Q0: Proportion of revolving balances to total balances is too high
                                - Q1: Proportion of balances to credit limits on bank/national revolving accounts is too high
                                - R0: Too few accounts currently paid as agreed
                                - R1: Too few accounts with balances
                                - R2: Too few accounts with recent payment information
                                - R3: Too few active accounts
                                - R4: Too few bank/national revolving accounts
                                - R5: Too few bank/national revolving accounts with recent payment information
                                - R6: Too few consumer finance company accounts with recent payment information
                                - R7: Too few installment accounts
                                - R8: Too few retail accounts
                                - R9: Too few retail accounts with recent payment information
                                - S0: Too few revolving accounts
                                - S1: Too few revolving accounts with recent payment information
                                - S2: Too few sales finance company accounts with recent payment information
                                - T0: Too many accounts recently opened
                                - T1: Too many accounts with balances
                                - T2: Too many bank/national revolving accounts
                                - T3: Too many consumer finance company accounts
                                - T4: Too many installment accounts
                                - T5: Too many inquiries last 12 months
                                - T6: Too many recently active accounts
                                - T7: Too many recently active auto accounts
                                - T8: Too many recently active bank/national revolving accounts
                                - T9: Too many recently active consumer finance company accounts
                                - U0: Too many recently active installment loan accounts
                                - U1: Too many recently active retail accounts
                                - U2: Too many recently active sales finance company accounts
                                - U4: Too many recently opened accounts with balances
                                - U5: Too many recently opened bank/national revolving accounts
                                - U6: Too many recently opened consumer finance company accounts
                                - U7: Too many recently opened installment accounts
                                - U8: Too many recently opened retail accounts with balances
                                - U9: Too many recently opened revolving accounts
                                - V0: Too many recently opened revolving accounts with balances
                                - V1: Too many recently opened sales finance company accounts
                                - V2: Too many retail accounts
                                - V3: Too many revolving accounts
                                - V4: Too many recently opened bank/national revolving accounts with balances
                                - X0: Payments due on accounts                                    
                                    
                              Score Reason corresponding to Model Number 02905
                                - A0: Account payment history is too new to rate
                                - A1: Accounts last reported in delinquent status
                                - A2: Amount of credit available on revolving accounts
                                - A3: Amount owed on accounts is too high
                                - A4: Amount owed on bank/national revolving accounts
                                - A5: Amount owed on collections filed
                                - A6: Amount owed on delinquent accounts
                                - A7: Amount owed on recently opened accounts is too high
                                - A8: Amount owed on recently opened bank/national revolving accounts is too high
                                - A9: Amount owed on recently opened consumer finance company accounts is too high
                                - B0: Amount owed on recently opened retail accounts is too high
                                - B1: Amount owed on recently opened revolving accounts is too high
                                - B2: Amount owed on recently opened sales finance company accounts is too high
                                - B3: Amount owed on retail accounts
                                - B4: Amount owed on revolving accounts
                                - B5: Amount owed on revolving accounts is too high
                                - B6: Amount past due on accounts
                                - D0: Bankruptcy filing reported
                                - D1: Date of last inquiry too recent
                                - D2: Delinquency on accounts
                                - D3: Delinquency on recently opened accounts
                                - D4: Derogatory public record or collection filed
                                - D5: Frequency of delinquency
                                - D6: Level of delinquency on accounts
                                - D7: Serious delinquency
                                - D8: Serious delinquency, and public record or collection filed
                                - F0: Insufficient installment payment history
                                - F1: Lack of recently established credit accounts
                                - F2: Lack of recently established revolving accounts
                                - F3: Lack of recent auto finance loan information
                                - F4: Lack of recent auto loan information
                                - F5: Lack of recent bank/national revolving information
                                - F6: Lack of recent consumer finance company account information
                                - F7: Lack of recent installment loan information
                                - F8: Lack of recent reported mortgage loan information
                                - F9: Lack of recent non-mortgage installment loan information
                                - G0: Lack of recent retail account information
                                - G1: Lack of recent revolving account information
                                - G2: No mortgage loans reported
                                - G3: No recent bank/national revolving balances
                                - G4: No recent non-mortgage balance information
                                - G5: No recent retail balances
                                - G6: No recent revolving balances
                                - J0: Length of time accounts have been established
                                - J1: Length of time auto accounts have been established
                                - J2: Length of time bank/national revolving accounts have been established
                                - J3: Length of time consumer finance company loans have been established
                                - J4: Length of time installment loans been established
                                - J5: Length of time reported mortgage accounts have been established
                                - J6: Length of time open installment loans have been established
                                - J7: Length of time retail accounts have been established
                                - J8: Length of time revolving accounts have been established
                                - J9: Time since account activity is too long
                                - K0: Time since delinquency is too recent or unknown
                                - K1: Time since derogatory public record or collection is too short
                                - K2: Time since most recent account opening is too short
                                - K3: Time since most recent auto account opening is too short
                                - K4: Time since most recent bank/national account opening is too short
                                - K5: Time since most recent consumer finance company account opening is too short
                                - K6: Time since most recent installment loan account opening is too short
                                - K7: Time since most recent retail account established
                                - K8: Time since most recent revolving account established
                                - K9: Time since most recent sales finance company account opening is too short
                                - M0: Number of accounts currently in delinquent status
                                - M1: Number of accounts with delinquency
                                - M2: Number of accounts with recent delinquency
                                - M3: Number of active bank/national revolving accounts
                                - M4: Number of active retail accounts
                                - M5: Number of adverse/derog public records
                                - M6: Number of bank/national revolving accounts with balances
                                - M7: Number of bank/national revolving accounts
                                - M8: Number of bank/national revolving or other revolving accounts
                                - M9: Number of collections filed
                                - N0: Number of consumer finance company accounts established relative to length of consumer finance history
                                - N1: Number of consumer finance company inquiries
                                - N2: Number of established accounts
                                - N3: Number of open installment loans
                                - N4: Number of recently opened consumer finance company accounts
                                - N5: Number of retail accounts
                                - N6: Number of retail accounts with balances
                                - N7: Number of revolving accounts
                                - N8: Number of revolving accounts with balances higher than limits
                                - P0: Proportion of balance to limit on auto accounts is too high
                                - P1: Proportion of balance to limit on delinquent accounts is too high
                                - P2: Proportion of balance to limit on consumer finance company accounts is too high
                                - P3: Proportion of balance to limit on retail accounts is too high
                                - P5: Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high
                                - P6: Proportion of balances to credit limits on revolving accounts is too high
                                - P7: Proportion of balance to limit on sales finance company accounts is too high
                                - P8: Proportion of balances to loan amounts on mortgage loans is too high
                                - P9: Proportion of loan balances to loan amounts is too high
                                - Q0: Proportion of revolving balances to total balances is too high
                                - Q1: Proportion of balances to credit limits on bank/national revolving accounts is too high
                                - R0: Too few accounts currently paid as agreed
                                - R1: Too few accounts with balances
                                - R2: Too few accounts with recent payment information
                                - R3: Too few active accounts
                                - R4: Too few bank/national revolving accounts
                                - R5: Too few bank/national revolving accounts with recent payment information
                                - R6: Too few consumer finance company accounts with recent payment information
                                - R7: Too few installment accounts
                                - R8: Too few retail accounts
                                - R9: Too few retail accounts with recent payment information
                                - S0: Too few revolving accounts
                                - S1: Too few revolving accounts with recent payment information
                                - S2: Too few sales finance company accounts with recent payment information
                                - T0: Too many accounts recently opened
                                - T1: Too many accounts with balances
                                - T2: Too many bank/national revolving accounts
                                - T3: Too many consumer finance company accounts
                                - T4: Too many installment accounts
                                - T5: Too many inquiries last 12 months
                                - T6: Too many recently active accounts
                                - T7: Too many recently active auto accounts
                                - T8: Too many recently active bank/national revolving accounts
                                - T9: Too many recently active consumer finance company accounts
                                - U0: Too many recently active installment loan accounts
                                - U1: Too many recently active retail accounts
                                - U2: Too many recently active sales finance company accounts
                                - U4: Too many recently opened accounts with balances
                                - U5: Too many recently opened bank/national revolving accounts
                                - U6: Too many recently opened consumer finance company accounts
                                - U7: Too many recently opened installment accounts
                                - U8: Too many recently opened retail accounts with balances
                                - U9: Too many recently opened revolving accounts
                                - V0: Too many recently opened revolving accounts with balances
                                - V1: Too many recently opened sales finance company accounts
                                - V2: Too many retail accounts
                                - V3: Too many revolving accounts
                                - V4: Too many recently opened bank/national revolving accounts with balances
                                - X0: Payments due on accounts
                                
                              Score Reason corresponding to Model Number 02905
                                - A0: Account payment history is too new to rate
                                - A1: Accounts last reported in delinquent status
                                - A2: Amount of credit available on revolving accounts
                                - A3: Amount owed on accounts is too high
                                - A4: Amount owed on bank/national revolving accounts
                                - A5: Amount owed on collections filed
                                - A6: Amount owed on delinquent accounts
                                - A7: Amount owed on recently opened accounts is too high
                                - A8: Amount owed on recently opened bank/national revolving accounts is too high
                                - A9: Amount owed on recently opened consumer finance company accounts is too high
                                - B0: Amount owed on recently opened retail accounts is too high
                                - B1: Amount owed on recently opened revolving accounts is too high
                                - B2: Amount owed on recently opened sales finance company accounts is too high
                                - B3: Amount owed on retail accounts
                                - B4: Amount owed on revolving accounts
                                - B5: Amount owed on revolving accounts is too high
                                - B6: Amount past due on accounts
                                - D0: Bankruptcy filing reported
                                - D1: Date of last inquiry too recent
                                - D2: Delinquency on accounts
                                - D3: Delinquency on recently opened accounts
                                - D4: Derogatory public record or collection filed
                                - D5: Frequency of delinquency
                                - D6: Level of delinquency on accounts
                                - D7: Serious delinquency
                                - D8: Serious delinquency, and public record or collection filed
                                - F0: Insufficient installment payment history
                                - F1: Lack of recently established credit accounts
                                - F2: Lack of recently established revolving accounts
                                - F3: Lack of recent auto finance loan information
                                - F4: Lack of recent auto loan information
                                - F5: Lack of recent bank/national revolving information
                                - F6: Lack of recent consumer finance company account information
                                - F7: Lack of recent installment loan information
                                - F8: Lack of recent reported mortgage loan information
                                - F9: Lack of recent non-mortgage installment loan information
                                - G0: Lack of recent retail account information
                                - G1: Lack of recent revolving account information
                                - G2: No mortgage loans reported
                                - G3: No recent bank/national revolving balances
                                - G4: No recent non-mortgage balance information
                                - G5: No recent retail balances
                                - G6: No recent revolving balances
                                - J0: Length of time accounts have been established
                                - J1: Length of time auto accounts have been established
                                - J2: Length of time bank/national revolving accounts have been established
                                - J3: Length of time consumer finance company loans have been established
                                - J4: Length of time installment loans been established
                                - J5: Length of time reported mortgage accounts have been established
                                - J6: Length of time open installment loans have been established
                                - J7: Length of time retail accounts have been established
                                - J8: Length of time revolving accounts have been established
                                - J9: Time since account activity is too long
                                - K0: Time since delinquency is too recent or unknown
                                - K1: Time since derogatory public record or collection is too short
                                - K2: Time since most recent account opening is too short
                                - K3: Time since most recent auto account opening is too short
                                - K4: Time since most recent bank/national account opening is too short
                                - K5: Time since most recent consumer finance company account opening is too short
                                - K6: Time since most recent installment loan account opening is too short
                                - K7: Time since most recent retail account established
                                - K8: Time since most recent revolving account established
                                - K9: Time since most recent sales finance company account opening is too short
                                - M0: Number of accounts currently in delinquent status
                                - M1: Number of accounts with delinquency
                                - M2: Number of accounts with recent delinquency
                                - M3: Number of active bank/national revolving accounts
                                - M4: Number of active retail accounts
                                - M5: Number of adverse/derog public records
                                - M6: Number of bank/national revolving accounts with balances
                                - M7: Number of bank/national revolving accounts
                                - M8: Number of bank/national revolving or other revolving accounts
                                - M9: Number of collections filed
                                - N0: Number of consumer finance company accounts established relative to length of consumer finance history
                                - N1: Number of consumer finance company inquiries
                                - N2: Number of established accounts
                                - N3: Number of open installment loans
                                - N4: Number of recently opened consumer finance company accounts
                                - N5: Number of retail accounts
                                - N6: Number of retail accounts with balances
                                - N7: Number of revolving accounts
                                - N8: Number of revolving accounts with balances higher than limits
                                - P0: Proportion of balance to limit on auto accounts is too high
                                - P1: Proportion of balance to limit on delinquent accounts is too high
                                - P2: Proportion of balance to limit on consumer finance company accounts is too high
                                - P3: Proportion of balance to limit on retail accounts is too high
                                - P5: Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high
                                - P6: Proportion of balances to credit limits on revolving accounts is too high
                                - P7: Proportion of balance to limit on sales finance company accounts is too high
                                - P8: Proportion of balances to loan amounts on mortgage loans is too high
                                - P9: Proportion of loan balances to loan amounts is too high
                                - Q0: Proportion of revolving balances to total balances is too high
                                - Q1: Proportion of balances to credit limits on bank/national revolving accounts is too high
                                - R0: Too few accounts currently paid as agreed
                                - R1: Too few accounts with balances
                                - R2: Too few accounts with recent payment information
                                - R3: Too few active accounts
                                - R4: Too few bank/national revolving accounts
                                - R5: Too few bank/national revolving accounts with recent payment information
                                - R6: Too few consumer finance company accounts with recent payment information
                                - R7: Too few installment accounts
                                - R8: Too few retail accounts
                                - R9: Too few retail accounts with recent payment information
                                - S0: Too few revolving accounts
                                - S1: Too few revolving accounts with recent payment information
                                - S2: Too few sales finance company accounts with recent payment information
                                - T0: Too many accounts recently opened
                                - T1: Too many accounts with balances
                                - T2: Too many bank/national revolving accounts
                                - T3: Too many consumer finance company accounts
                                - T4: Too many installment accounts
                                - T5: Too many inquiries last 12 months
                                - T6: Too many recently active accounts
                                - T7: Too many recently active auto accounts
                                - T8: Too many recently active bank/national revolving accounts
                                - T9: Too many recently active consumer finance company accounts
                                - U0: Too many recently active installment loan accounts
                                - U1: Too many recently active retail accounts
                                - U2: Too many recently active sales finance company accounts
                                - U4: Too many recently opened accounts with balances
                                - U5: Too many recently opened bank/national revolving accounts
                                - U6: Too many recently opened consumer finance company accounts
                                - U7: Too many recently opened installment accounts
                                - U8: Too many recently opened retail accounts with balances
                                - U9: Too many recently opened revolving accounts
                                - V0: Too many recently opened revolving accounts with balances
                                - V1: Too many recently opened sales finance company accounts
                                - V2: Too many retail accounts
                                - V3: Too many revolving accounts
                                - V4: Too many recently opened bank/national revolving accounts with balances
                                - X0: Payments due on accounts
                                
                              Score Reason corresponding to Model Number 02682
                                - 00002: Number of Consumer Initiated Finance Company Inquiries in the Past 24 Months
                                - 00003: Length of Time Accounts Have Been Opened
                                - 00006: Number of Accounts Reported in the Past 12 Months
                                - 00008: Number of Accounts with Past Due Balances
                                - 00009: Current Delinquent Rating Reported
                                - 00015: Length of Time Bank Revolving Accounts Have Been Opened
                                - 00026: Utilization of Available Credit on Department Store Accounts
                                - 00049: Percent of Accounts Open in the Past 6 Months Versus Total Accounts
                                - 00056: Time Since Most Recent Activity
                                - 00058: Number of Credit Union Accounts Ever Paid as Agreed
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00073: Number of Retail Inquiries in Last 24 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months
                                - 00124: Number of Accounts Reported Late 60 Days or More in the Past 24 Months
                                - 00149: Number of Auto Finance Accounts Ever Paid as Agreed
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Accounts Information
                                - 00193: Lack of Recently Reported Finance Account Information
                                - 00195: Lack of Recently Reported Department Store Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00199: Lack of Recently Reported Status on Accounts
                                - 00200: Lack of Recently Reported Account Information
                                - 00219: Percent of Bank revolving Accounts Paid As Agreed
                                
                              Score Reason corresponding to Model Number 02718
                                - 00003: Length of Time Accounts Have Been Opened
                                - 00015: Length of Time Bank Revolving Accounts Have been Opened
                                - 00024: Utilization of Available Credit on Accounts
                                - 00051: Time Since Most Recent Derogatory Public Record Filed
                                - 00061: Number of Derogatory Public Records Items on File
                                - 00062: Number of Accounts Reported 30+ Days Past Due in the Past 24 Months
                                - 00116: Number of Bank Installment Accounts Ever Reported 60+ Days Past Due
                                - 00145: Number of Accounts Ever Reported 60+ Days Past Due
                                - 00146: Total Balances for Revolving Accounts Reported in the Past 12 Months
                                - 00159: Number of Credit Union Accounts
                                - 00171: Number of Opened Accounts
                                - 00173: Amount Currently Past Due on Accounts
                                - 00182: Number of Personal Finance Accounts
                                - 00191: Lack of Recently Reported Credit Union Accounts Information
                                - 00194: Lack of Recently Reported Bank Installment Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                - 00200: Lack of Recently Reported Account Information
                                - 00201: No Recent Public Record Information Available
                                - 00251: Number of Bank Installment Accounts
                                - 00346: Lack of Recently Reported Personal Finance Information
                                
                              Score Reason corresponding to Model Number 02485
                                - 00001: Bankruptcy on file
                                - 00002: Deceased
                                - 00003: Deceased and Bankruptcy on file
                                
                              Score Reason corresponding to Model Number 02505
                                - 00001: Number of Consumer Initiated Inquiries in the Past 6 Months
                                - 00003: Length of Time Accounts Have Been Established
                                - 00007: Total Amount of Available Credit on All Open Accounts
                                - 00008: Number of Accounts With Past Due Balances
                                - 00011: Number of Accounts With High Balances
                                - 00019: Number of Bank Revolving Accounts With High Balances
                                - 00035: Number of Accounts With Reported Late Payments
                                - 00039: Number of Accounts Reported in the Past 12 Months
                                - 00049: Percent of Accounts Open in the Last 6 Months Versus Active Accounts
                                - 00051: Time Since Most Recent Derogatory Public Record Filed
                                - 00061: Number of Derogatory Public Record Items on File
                                - 00062: Number of Accounts Not Paid as Agreed in the Last 24 Months
                                - 00064: Number of Accounts Paid As Agreed
                                - 00071: Number of Accounts with Low Balance compared to High Credit
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months
                                - 00079: Length of Time Most Recent Account Opened
                                - 00087: Number of Accounts Reported as 30 Days Late in the Past 24 Months
                                - 00094: Number of Bank Revolving Accounts with Past Due Balances or Status of Bank Revolving Accounts is Unknown
                                - 00095: Number of Credit Union Accounts Currently or in the Past 60 Days Late or Status of Credit Union Acct Unknown
                                - 00116: Number of Bank Installment Accounts Currently or in the Past 60+ Days Late
                                - 00124: Number of Accounts Reported 60 Days + Late or Public Record in the Past 24 Months
                                - 00138: Number of Bank Revolving Trades Currently Reported 90+ Days Late
                                - 00140: Number of Accounts Paid as Agreed with Recently Reported Balances
                                - 00141: Number of Accounts Ever 30 or 60 Days Late
                                - 00158: Number of Trades Established in Last 3 Months
                                - 00159: Number of Credit Union Accounts
                                - 00160: Number of Bank Revolving Trades
                                - 00161: Number of Personal Finance Trades Past Due
                                - 00163: Number of Bank Installment Trades Currently Past Due
                                - 00164: Number of Auto Finance Trades Currently Past Due
                                - 00165: Number of Bank Installment Trades Ever 30 Days Past Due
                                - 00166: Maximum Available Bank Installment Utilization Ratio
                                - 00168: Number of Trades Opened in the Last 24 Months
                                - 00169: Number of Accounts Paid as Agreed
                                - 00170: Maximum Available Personal Finance Utilization Ratio
                                - 00171: Number of Established Accounts
                                - 00173: Amount Currently Past Due on Accounts
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Account Information
                                - 00194: Lack of Recently Reported Bank Installment Account Information
                                - 00195: Lack of Recently Reported Department Store Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                - 00202: Number of Accounts Currently Reported 60 Days Late
                                - 00203: Number of Department Store Accounts Ever Reported 30 or 60 Days Late
                                
                              Score Reason corresponding to Model Number 02558
                                - 00001: Number of Consumer Initiated Inquiries in the Past 6 Months
                                - 00003: Length of Time Accounts Have Been Established
                                - 00007: Total Amount of Available Credit on All Open Accounts
                                - 00008: Number of Accounts With Past Due Balances
                                - 00011: Number of Accounts With High Balances
                                - 00019: Number of Bank Revolving Accounts With High Balances
                                - 00035: Number of Accounts With Reported Late Payments
                                - 00039: Number of Accounts Reported in the Past 12 Months
                                - 00049: Percent of Accounts Open in the Last 6 Months Versus Active Accounts
                                - 00051: Time Since Most Recent Derogatory Public Record Filed
                                - 00061: Number of Derogatory Public Record Items on File
                                - 00062: Number of Accounts Not Paid as Agreed in the Last 24 Months
                                - 00064: Number of Accounts Paid As Agreed
                                - 00071: Number of Accounts with Low Balance compared to High Credit
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months
                                - 00079: Length of Time Most Recent Account Opened
                                - 00087: Number of Accounts Reported as 30 Days Late in the Past 24 Months
                                - 00094: Number of Bank Revolving Accounts with Past Due Balances or Status of Bank Revolving Accounts is Unknown
                                - 00095: Number of Credit Union Accounts Currently or in the Past 60 Days Late or Status of Credit Union Acct Unknown
                                - 00116: Number of Bank Installment Accounts Currently or in the Past 60+ Days Late
                                - 00124: Number of Accounts Reported 60 Days + Late or Public Record in the Past 24 Months
                                - 00138: Number of Bank Revolving Trades Currently Reported 90+ Days Late
                                - 00140: Number of Accounts Paid as Agreed with Recently Reported Balances
                                - 00141: Number of Accounts Ever 30 or 60 Days Late
                                - 00158: Number of Trades Established in Last 3 Months
                                - 00159: Number of Credit Union Accounts
                                - 00160: Number of Bank Revolving Trades
                                - 00161: Number of Personal Finance Trades Past Due
                                - 00163: Number of Bank Installment Trades Currently Past Due
                                - 00164: Number of Auto Finance Trades Currently Past Due
                                - 00165: Number of Bank Installment Trades Ever 30 Days Past Due
                                - 00166: Maximum Available Bank Installment Utilization Ratio
                                - 00168: Number of Trades Opened in the Last 24 Months
                                - 00169: Number of Accounts Paid as Agreed
                                - 00170: Maximum Available Personal Finance Utilization Ratio
                                - 00171: Number of Established Accounts
                                - 00173: Amount Currently Past Due on Accounts
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Account Information
                                - 00194: Lack of Recently Reported Bank Installment Account Information
                                - 00195: Lack of Recently Reported Department Store Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                - 00202: Number of Accounts Currently Reported 60 Days Late
                                - 00203: Number of Department Store Accounts Ever Reported 30 or 60 Days Late
                                
                              Score Reason corresponding to Model Number 01203
                                - 00002: Percent of Balance Past Due
                                - 00003: Percent of Bankcard Balance Past Due
                                - 00005: Percent of Bankcard Accounts 60+ Days Delinquent
                                - 00023: Percent of Revolving Accounts 120+ Days Delinquent
                                - 00030: Percent of Trades 120+ Days Delinquent
                                - 00033: Percent of Accounts Bankcard
                                - 00034: Percent of Accounts Credit Union
                                - 00035: Percent of Trades Department Store
                                - 00037: Percent of Trades Opened Recently
                                - 00038: Percent of Trades Retail
                                - 00040: Percent of Trades Satisfactory
                                - 00051: 30 Days Delinquency Occurrences on Installment Trades
                                - 00053: 30 Days Delinquency Occurrences on Revolving Trades
                                - 00057: 60 Days Delinquency Occurrences On Installment Accounts
                                - 00059: 60 Days Delinquency Occurrences on Revolving Trades
                                - 00065: 90 Days Delinquency Occurrences On Revolving Accounts
                                - 00067: Age of Bankcard Account Activity
                                - 00068: Age of Bankcard Trades
                                - 00076: Age of Revolving Trades
                                - 00079: Age of Trade Activity
                                - 00080: Age of Trades
                                - 00083: Bankcard High Credit
                                - 00084: Bankcard Utilization
                                - 00088: Mortgage High Credit
                                - 00105: Number of Bankcard Accounts Past Due
                                - 00107: Number of Bankcard Trades with High Utilization
                                - 00109: Number of Collections
                                - 00121: Number of Department Store Accounts With High Utilization
                                - 00122: Number of Department Store Accounts With Major Derogatory Event
                                - 00123: Number of Inquiries
                                - 00124: Number of Installment Trades
                                - 00127: Number of Installment Accounts 30 Days Delinquent
                                - 00129: Number of Installment Trades 60+ Days Delinquent
                                - 00133: Number of Installment Accounts Opened Recently
                                - 00136: Number of Installment Trades with Major Derogatory Event
                                - 00137: Number of Mortgage Accounts With High Balance Outstanding
                                - 00139: Number of Open Auto Finance Trades
                                - 00141: Number of Open Credit Union Trades
                                - 00142: Number of Open Department Store Trades
                                - 00143: Number of Open Installment Accounts
                                - 00144: Number of Open Mortgage Trades
                                - 00145: Number of Open Personal Finance or Student Loan Trades
                                - 00147: Number of Open Revolving Accounts
                                - 00154: Number of Recent Inquiries
                                - 00167: Number of Revolving Accounts 120+ Days Delinquent
                                - 00168: Number of Revolving Accounts 120-180 or More Days Delinquent
                                - 00169: Number of Revolving Accounts 30 Days Delinquent
                                - 00170: Number of Revolving Accounts 60 Days Delinquent
                                - 00172: Number of Revolving Accounts 90 Days Delinquent
                                - 00178: Number of Revolving Trades with High Utilization
                                - 00189: Number of Satisfactory Revolving Accounts
                                - 00191: Number of Trades
                                - 00199: Number of Trades Opened Recently
                                - 00200: Number of Trades Past Due
                                - 00201: Number of Accounts With Balance
                                - 00203: Occurrence of Severe Derogatory Event
                                - 00205: Revolving High Credit
                                - 00206: Revolving Utilization
                                - 00207: Total Amount Past Due For Accounts
                                - 00208: Total Amount Past Due For Bankcard Accounts
                                - 00214: Total Balance on Bankcard Trades
                                - 00215: Total Balance on Credit Union Trades
                                - 00216: Total Balance on Department Store Trades
                                - 00219: Total Balance on Personal Finance or Student Loan Trades
                                - 00220: Total Balance on Retail Trades
                                - 00222: Total Balance on Sales Finance Trades
                                - 00223: Total Balance on Trades
                                - 00224: Total Collection Amount
                                - 00225: Worst Rating For Auto Finance Accounts
                                - 00226: Worst Rating for Mortgage Trades
                                - 00290: Insufficient information on or lack of bankcard trades
                                - 00291: Insufficient information on or lack of credit union trades
                                - 00292: Insufficient information on or lack of department store trades
                                - 00294: Insufficient information on or lack of mortgage trades
                                - 00295: Insufficient information on or lack of personal finance and student loan trades
                                - 00296: Insufficient information on or lack of retail trades
                                - 00297: Insufficient information on or lack of revolving trades
                                - 00298: Insufficient information on or lack of sales finance trades
                                - 00299: Insufficient information on or lack of trades
                                - 00304: 30 Days or Worse Delinquency Occurrences on Installment Trades
                                - 00306: Number of Revolving Accounts 120-180 or More Days Delinquent or With Major Derogatory Event
                                - 00307: Number of Auto Finance Accounts 90, 120-180 or More Days Delinquent or With Major Derogatory Event
                                - 00310: Foreclosure w/in 24 Months
                                - 00311: Bankruptcy w/in 24 Months
                                
                              Score Reason corresponding to Model Number 01204
                                - 00002: Percent of Balance Past Due
                                - 00003: Percent of Bankcard Balance Past Due
                                - 00005: Percent of Bankcard Accounts 60+ Days Delinquent
                                - 00023: Percent of Revolving Accounts 120+ Days Delinquent
                                - 00030: Percent of Trades 120+ Days Delinquent
                                - 00033: Percent of Accounts Bankcard
                                - 00034: Percent of Accounts Credit Union
                                - 00035: Percent of Trades Department Store
                                - 00037: Percent of Trades Opened Recently
                                - 00038: Percent of Trades Retail
                                - 00040: Percent of Trades Satisfactory
                                - 00051: 30 Days Delinquency Occurrences on Installment Trades
                                - 00053: 30 Days Delinquency Occurrences on Revolving Trades
                                - 00057: 60 Days Delinquency Occurrences On Installment Accounts
                                - 00059: 60 Days Delinquency Occurrences on Revolving Trades
                                - 00065: 90 Days Delinquency Occurrences On Revolving Accounts
                                - 00067: Age of Bankcard Account Activity
                                - 00068: Age of Bankcard Trades
                                - 00076: Age of Revolving Trades
                                - 00079: Age of Trade Activity
                                - 00080: Age of Trades
                                - 00083: Bankcard High Credit
                                - 00084: Bankcard Utilization
                                - 00088: Mortgage High Credit
                                - 00105: Number of Bankcard Accounts Past Due
                                - 00107: Number of Bankcard Trades with High Utilization
                                - 00109: Number of Collections
                                - 00121: Number of Department Store Accounts With High Utilization
                                - 00122: Number of Department Store Accounts With Major Derogatory Event
                                - 00123: Number of Inquiries
                                - 00124: Number of Installment Trades
                                - 00127: Number of Installment Accounts 30 Days Delinquent
                                - 00129: Number of Installment Trades 60+ Days Delinquent
                                - 00133: Number of Installment Accounts Opened Recently
                                - 00136: Number of Installment Trades with Major Derogatory Event
                                - 00137: Number of Mortgage Accounts With High Balance Outstanding
                                - 00139: Number of Open Auto Finance Trades
                                - 00141: Number of Open Credit Union Trades
                                - 00142: Number of Open Department Store Trades
                                - 00143: Number of Open Installment Accounts
                                - 00144: Number of Open Mortgage Trades
                                - 00145: Number of Open Personal Finance or Student Loan Trades
                                - 00147: Number of Open Revolving Accounts
                                - 00154: Number of Recent Inquiries
                                - 00167: Number of Revolving Accounts 120+ Days Delinquent
                                - 00168: Number of Revolving Accounts 120-180 or More Days Delinquent
                                - 00169: Number of Revolving Accounts 30 Days Delinquent
                                - 00170: Number of Revolving Accounts 60 Days Delinquent
                                - 00172: Number of Revolving Accounts 90 Days Delinquent
                                - 00178: Number of Revolving Trades with High Utilization
                                - 00189: Number of Satisfactory Revolving Accounts
                                - 00191: Number of Trades
                                - 00199: Number of Trades Opened Recently
                                - 00200: Number of Trades Past Due
                                - 00201: Number of Accounts With Balance
                                - 00203: Occurrence of Severe Derogatory Event
                                - 00205: Revolving High Credit
                                - 00206: Revolving Utilization
                                - 00207: Total Amount Past Due For Accounts
                                - 00208: Total Amount Past Due For Bankcard Accounts
                                - 00214: Total Balance on Bankcard Trades
                                - 00215: Total Balance on Credit Union Trades
                                - 00216: Total Balance on Department Store Trades
                                - 00219: Total Balance on Personal Finance or Student Loan Trades
                                - 00220: Total Balance on Retail Trades
                                - 00222: Total Balance on Sales Finance Trades
                                - 00223: Total Balance on Trades
                                - 00224: Total Collection Amount
                                - 00225: Worst Rating For Auto Finance Accounts
                                - 00226: Worst Rating for Mortgage Trades
                                - 00290: Insufficient information on or lack of bankcard trades
                                - 00291: Insufficient information on or lack of credit union trades
                                - 00292: Insufficient information on or lack of department store trades
                                - 00294: Insufficient information on or lack of mortgage trades
                                - 00295: Insufficient information on or lack of personal finance and student loan trades
                                - 00296: Insufficient information on or lack of retail trades
                                - 00297: Insufficient information on or lack of revolving trades
                                - 00298: Insufficient information on or lack of sales finance trades
                                - 00299: Insufficient information on or lack of trades
                                - 00304: 30 Days or Worse Delinquency Occurrences on Installment Trades
                                - 00306: Number of Revolving Accounts 120-180 or More Days Delinquent or With Major Derogatory Event
                                - 00307: Number of Auto Finance Accounts 90, 120-180 or More Days Delinquent or With Major Derogatory Event
                                - 00310: Foreclosure w/in 24 Months
                                - 00311: Bankruptcy w/in 24 Months
                                
                              Score Reason corresponding to Model Number 02912
                                - 00002: Percent of Balance Past Due
                                - 00003: Percent of Bankcard Balance Past Due
                                - 00005: Percent of Bankcard Accounts 60+ Days Delinquent
                                - 00023: Percent of Revolving Accounts 120+ Days Delinquent
                                - 00030: Percent of Trades 120+ Days Delinquent
                                - 00033: Percent of Accounts Bankcard
                                - 00034: Percent of Accounts Credit Union
                                - 00035: Percent of Trades Department Store
                                - 00037: Percent of Trades Opened Recently
                                - 00038: Percent of Trades Retail
                                - 00040: Percent of Trades Satisfactory
                                - 00051: 30 Days Delinquency Occurrences on Installment Trades
                                - 00053: 30 Days Delinquency Occurrences on Revolving Trades
                                - 00057: 60 Days Delinquency Occurrences On Installment Accounts
                                - 00059: 60 Days Delinquency Occurrences on Revolving Trades
                                - 00065: 90 Days Delinquency Occurrences On Revolving Accounts
                                - 00067: Age of Bankcard Account Activity
                                - 00068: Age of Bankcard Trades
                                - 00076: Age of Revolving Trades
                                - 00079: Age of Trade Activity
                                - 00080: Age of Trades
                                - 00083: Bankcard High Credit
                                - 00084: Bankcard Utilization
                                - 00088: Mortgage High Credit
                                - 00105: Number of Bankcard Accounts Past Due
                                - 00107: Number of Bankcard Trades with High Utilization
                                - 00109: Number of Collections
                                - 00121: Number of Department Store Accounts With High Utilization
                                - 00122: Number of Department Store Accounts With Major Derogatory Event
                                - 00123: Number of Inquiries
                                - 00124: Number of Installment Trades
                                - 00127: Number of Installment Accounts 30 Days Delinquent
                                - 00129: Number of Installment Trades 60+ Days Delinquent
                                - 00133: Number of Installment Accounts Opened Recently
                                - 00136: Number of Installment Trades with Major Derogatory Event
                                - 00137: Number of Mortgage Accounts With High Balance Outstanding
                                - 00139: Number of Open Auto Finance Trades
                                - 00141: Number of Open Credit Union Trades
                                - 00142: Number of Open Department Store Trades
                                - 00143: Number of Open Installment Accounts
                                - 00144: Number of Open Mortgage Trades
                                - 00145: Number of Open Personal Finance or Student Loan Trades
                                - 00147: Number of Open Revolving Accounts
                                - 00154: Number of Recent Inquiries
                                - 00167: Number of Revolving Accounts 120+ Days Delinquent
                                - 00168: Number of Revolving Accounts 120-180 or More Days Delinquent
                                - 00169: Number of Revolving Accounts 30 Days Delinquent
                                - 00170: Number of Revolving Accounts 60 Days Delinquent
                                - 00172: Number of Revolving Accounts 90 Days Delinquent
                                - 00178: Number of Revolving Trades with High Utilization
                                - 00189: Number of Satisfactory Revolving Accounts
                                - 00191: Number of Trades
                                - 00199: Number of Trades Opened Recently
                                - 00200: Number of Trades Past Due
                                - 00201: Number of Accounts With Balance
                                - 00203: Occurrence of Severe Derogatory Event
                                - 00205: Revolving High Credit
                                - 00206: Revolving Utilization
                                - 00207: Total Amount Past Due For Accounts
                                - 00208: Total Amount Past Due For Bankcard Accounts
                                - 00214: Total Balance on Bankcard Trades
                                - 00215: Total Balance on Credit Union Trades
                                - 00216: Total Balance on Department Store Trades
                                - 00219: Total Balance on Personal Finance or Student Loan Trades
                                - 00220: Total Balance on Retail Trades
                                - 00222: Total Balance on Sales Finance Trades
                                - 00223: Total Balance on Trades
                                - 00224: Total Collection Amount
                                - 00225: Worst Rating For Auto Finance Accounts
                                - 00226: Worst Rating for Mortgage Trades
                                - 00290: Insufficient information on or lack of bankcard trades
                                - 00291: Insufficient information on or lack of credit union trades
                                - 00292: Insufficient information on or lack of department store trades
                                - 00294: Insufficient information on or lack of mortgage trades
                                - 00295: Insufficient information on or lack of personal finance and student loan trades
                                - 00296: Insufficient information on or lack of retail trades
                                - 00297: Insufficient information on or lack of revolving trades
                                - 00298: Insufficient information on or lack of sales finance trades
                                - 00299: Insufficient information on or lack of trades
                                - 00304: 30 Days or Worse Delinquency Occurrences on Installment Trades
                                - 00306: Number of Revolving Accounts 120-180 or More Days Delinquent or With Major Derogatory Event
                                - 00307: Number of Auto Finance Accounts 90, 120-180 or More Days Delinquent or With Major Derogatory Event
                                - 00310: Foreclosure w/in 24 Months
                                - 00311: Bankruptcy w/in 24 Months
                                
                              Score Reason corresponding to Model Number 02903
                                - 00002: Percent of Balance Past Due
                                - 00003: Percent of Bankcard Balance Past Due
                                - 00005: Percent of Bankcard Accounts 60+ Days Delinquent
                                - 00023: Percent of Revolving Accounts 120+ Days Delinquent
                                - 00030: Percent of Trades 120+ Days Delinquent
                                - 00033: Percent of Accounts Bankcard
                                - 00034: Percent of Accounts Credit Union
                                - 00035: Percent of Trades Department Store
                                - 00037: Percent of Trades Opened Recently
                                - 00038: Percent of Trades Retail
                                - 00040: Percent of Trades Satisfactory
                                - 00051: 30 Days Delinquency Occurrences on Installment Trades
                                - 00053: 30 Days Delinquency Occurrences on Revolving Trades
                                - 00057: 60 Days Delinquency Occurrences On Installment Accounts
                                - 00059: 60 Days Delinquency Occurrences on Revolving Trades
                                - 00065: 90 Days Delinquency Occurrences On Revolving Accounts
                                - 00067: Age of Bankcard Account Activity
                                - 00068: Age of Bankcard Trades
                                - 00076: Age of Revolving Trades
                                - 00079: Age of Trade Activity
                                - 00080: Age of Trades
                                - 00083: Bankcard High Credit
                                - 00084: Bankcard Utilization
                                - 00088: Mortgage High Credit
                                - 00105: Number of Bankcard Accounts Past Due
                                - 00107: Number of Bankcard Trades with High Utilization
                                - 00109: Number of Collections
                                - 00121: Number of Department Store Accounts With High Utilization
                                - 00122: Number of Department Store Accounts With Major Derogatory Event
                                - 00123: Number of Inquiries
                                - 00124: Number of Installment Trades
                                - 00127: Number of Installment Accounts 30 Days Delinquent
                                - 00129: Number of Installment Trades 60+ Days Delinquent
                                - 00133: Number of Installment Accounts Opened Recently
                                - 00136: Number of Installment Trades with Major Derogatory Event
                                - 00137: Number of Mortgage Accounts With High Balance Outstanding
                                - 00139: Number of Open Auto Finance Trades
                                - 00141: Number of Open Credit Union Trades
                                - 00142: Number of Open Department Store Trades
                                - 00143: Number of Open Installment Accounts
                                - 00144: Number of Open Mortgage Trades
                                - 00145: Number of Open Personal Finance or Student Loan Trades
                                - 00147: Number of Open Revolving Accounts
                                - 00154: Number of Recent Inquiries
                                - 00167: Number of Revolving Accounts 120+ Days Delinquent
                                - 00168: Number of Revolving Accounts 120-180 or More Days Delinquent
                                - 00169: Number of Revolving Accounts 30 Days Delinquent
                                - 00170: Number of Revolving Accounts 60 Days Delinquent
                                - 00172: Number of Revolving Accounts 90 Days Delinquent
                                - 00178: Number of Revolving Trades with High Utilization
                                - 00189: Number of Satisfactory Revolving Accounts
                                - 00191: Number of Trades
                                - 00199: Number of Trades Opened Recently
                                - 00200: Number of Trades Past Due
                                - 00201: Number of Accounts With Balance
                                - 00203: Occurrence of Severe Derogatory Event
                                - 00205: Revolving High Credit
                                - 00206: Revolving Utilization
                                - 00207: Total Amount Past Due For Accounts
                                - 00208: Total Amount Past Due For Bankcard Accounts
                                - 00214: Total Balance on Bankcard Trades
                                - 00215: Total Balance on Credit Union Trades
                                - 00216: Total Balance on Department Store Trades
                                - 00219: Total Balance on Personal Finance or Student Loan Trades
                                - 00220: Total Balance on Retail Trades
                                - 00222: Total Balance on Sales Finance Trades
                                - 00223: Total Balance on Trades
                                - 00224: Total Collection Amount
                                - 00225: Worst Rating For Auto Finance Accounts
                                - 00226: Worst Rating for Mortgage Trades
                                - 00290: Insufficient information on or lack of bankcard trades
                                - 00291: Insufficient information on or lack of credit union trades
                                - 00292: Insufficient information on or lack of department store trades
                                - 00294: Insufficient information on or lack of mortgage trades
                                - 00295: Insufficient information on or lack of personal finance and student loan trades
                                - 00296: Insufficient information on or lack of retail trades
                                - 00297: Insufficient information on or lack of revolving trades
                                - 00298: Insufficient information on or lack of sales finance trades
                                - 00299: Insufficient information on or lack of trades
                                - 00304: 30 Days or Worse Delinquency Occurrences on Installment Trades
                                - 00306: Number of Revolving Accounts 120-180 or More Days Delinquent or With Major Derogatory Event
                                - 00307: Number of Auto Finance Accounts 90, 120-180 or More Days Delinquent or With Major Derogatory Event
                                - 00310: Foreclosure w/in 24 Months
                                - 00311: Bankruptcy w/in 24 Months
                                
                              Score Reason corresponding to Model Number 02904
                                - 00002: Percent of Balance Past Due
                                - 00003: Percent of Bankcard Balance Past Due
                                - 00005: Percent of Bankcard Accounts 60+ Days Delinquent
                                - 00023: Percent of Revolving Accounts 120+ Days Delinquent
                                - 00030: Percent of Trades 120+ Days Delinquent
                                - 00033: Percent of Accounts Bankcard
                                - 00034: Percent of Accounts Credit Union
                                - 00035: Percent of Trades Department Store
                                - 00037: Percent of Trades Opened Recently
                                - 00038: Percent of Trades Retail
                                - 00040: Percent of Trades Satisfactory
                                - 00051: 30 Days Delinquency Occurrences on Installment Trades
                                - 00053: 30 Days Delinquency Occurrences on Revolving Trades
                                - 00057: 60 Days Delinquency Occurrences On Installment Accounts
                                - 00059: 60 Days Delinquency Occurrences on Revolving Trades
                                - 00065: 90 Days Delinquency Occurrences On Revolving Accounts
                                - 00067: Age of Bankcard Account Activity
                                - 00068: Age of Bankcard Trades
                                - 00076: Age of Revolving Trades
                                - 00079: Age of Trade Activity
                                - 00080: Age of Trades
                                - 00083: Bankcard High Credit
                                - 00084: Bankcard Utilization
                                - 00088: Mortgage High Credit
                                - 00105: Number of Bankcard Accounts Past Due
                                - 00107: Number of Bankcard Trades with High Utilization
                                - 00109: Number of Collections
                                - 00121: Number of Department Store Accounts With High Utilization
                                - 00122: Number of Department Store Accounts With Major Derogatory Event
                                - 00123: Number of Inquiries
                                - 00124: Number of Installment Trades
                                - 00127: Number of Installment Accounts 30 Days Delinquent
                                - 00129: Number of Installment Trades 60+ Days Delinquent
                                - 00133: Number of Installment Accounts Opened Recently
                                - 00136: Number of Installment Trades with Major Derogatory Event
                                - 00137: Number of Mortgage Accounts With High Balance Outstanding
                                - 00139: Number of Open Auto Finance Trades
                                - 00141: Number of Open Credit Union Trades
                                - 00142: Number of Open Department Store Trades
                                - 00143: Number of Open Installment Accounts
                                - 00144: Number of Open Mortgage Trades
                                - 00145: Number of Open Personal Finance or Student Loan Trades
                                - 00147: Number of Open Revolving Accounts
                                - 00154: Number of Recent Inquiries
                                - 00167: Number of Revolving Accounts 120+ Days Delinquent
                                - 00168: Number of Revolving Accounts 120-180 or More Days Delinquent
                                - 00169: Number of Revolving Accounts 30 Days Delinquent
                                - 00170: Number of Revolving Accounts 60 Days Delinquent
                                - 00172: Number of Revolving Accounts 90 Days Delinquent
                                - 00178: Number of Revolving Trades with High Utilization
                                - 00189: Number of Satisfactory Revolving Accounts
                                - 00191: Number of Trades
                                - 00199: Number of Trades Opened Recently
                                - 00200: Number of Trades Past Due
                                - 00201: Number of Accounts With Balance
                                - 00203: Occurrence of Severe Derogatory Event
                                - 00205: Revolving High Credit
                                - 00206: Revolving Utilization
                                - 00207: Total Amount Past Due For Accounts
                                - 00208: Total Amount Past Due For Bankcard Accounts
                                - 00214: Total Balance on Bankcard Trades
                                - 00215: Total Balance on Credit Union Trades
                                - 00216: Total Balance on Department Store Trades
                                - 00219: Total Balance on Personal Finance or Student Loan Trades
                                - 00220: Total Balance on Retail Trades
                                - 00222: Total Balance on Sales Finance Trades
                                - 00223: Total Balance on Trades
                                - 00224: Total Collection Amount
                                - 00225: Worst Rating For Auto Finance Accounts
                                - 00226: Worst Rating for Mortgage Trades
                                - 00290: Insufficient information on or lack of bankcard trades
                                - 00291: Insufficient information on or lack of credit union trades
                                - 00292: Insufficient information on or lack of department store trades
                                - 00294: Insufficient information on or lack of mortgage trades
                                - 00295: Insufficient information on or lack of personal finance and student loan trades
                                - 00296: Insufficient information on or lack of retail trades
                                - 00297: Insufficient information on or lack of revolving trades
                                - 00298: Insufficient information on or lack of sales finance trades
                                - 00299: Insufficient information on or lack of trades
                                - 00304: 30 Days or Worse Delinquency Occurrences on Installment Trades
                                - 00306: Number of Revolving Accounts 120-180 or More Days Delinquent or With Major Derogatory Event
                                - 00307: Number of Auto Finance Accounts 90, 120-180 or More Days Delinquent or With Major Derogatory Event
                                - 00310: Foreclosure w/in 24 Months
                                - 00311: Bankruptcy w/in 24 Months
                                
                              Score Reason corresponding to Model Number 02470
                                - 00008: Number of Accounts with Past Due Balances
                                - 00011: Number of Accounts with High Balances
                                - 00019: Number of Bank Revolving Accounts with High Balances
                                - 00021: Lack of Recently Reported Bank Installment Accounts
                                - 00025: Utilization of Available Credit on Bank Revolving Accounts
                                - 00026: Utilization of Available Credit on Department Store Accounts
                                - 00027: Too few Accounts Currently or in the Past Paid as Agreed
                                - 00032: Percent of Accounts Reported in the Past 12 Months versus Total Accounts on File
                                - 00033: Percent of Bank Revolving Accounts Reported in the Past 12 Months versus Total Bank Revolving Accounts on File
                                - 00044: Percent of Retail Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00048: Percent of Accounts Opened in the Past 24 Months versus Total Accounts
                                - 00060: Number of Personal Finance Accounts
                                - 00063: Lack of Recently Opened Accounts
                                - 00065: Number of Accounts Currently 30+ Days Late
                                - 00068: Number of Accounts Reported as 90-120 Days Late in the Past 24 Months or Status of Accounts is Unknown
                                - 00071: Number of Accounts with Low Balance of High Credit is Too Few
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00076: Percent of Credit Union Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months
                                - 00094: Number of Bank Revolving Accounts with Past Due Balances or Status of Accounts is Unknown
                                - 00114: Insufficient Number or Lack of Personal Finance Accounts
                                - 00115: Number of Travel and Entertainment Accounts Always Paid as Agreed
                                - 00116: Number of Bank Installment Accounts Currently or in the Past 60+ Days Late
                                - 00117: Number of Personal Finance Accounts Currently or in the Past 60+ Days Late
                                - 00118: Number of Auto Finance Accounts Currently or in the Past 30+ Days Late
                                - 00119: Number of Accounts Opened in the Past 6 Months
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Account Information
                                - 00192: Lack of Recently Reported Retail Account Information
                                - 00193: Lack of Recently Reported Auto Finance Account Information
                                - 00194: Lack of Recently Reported Bank Installment Account Information
                                - 00195: Lack of Recently Reported Department Store Account Information
                                - 00196: Lack of Recently Reported Travel & Entertainment Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Bank Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                
                              Score Reason corresponding to Model Number 02557
                                - 00008: Number of Accounts with Past Due Balances
                                - 00011: Number of Accounts with High Balances
                                - 00019: Number of Bank Revolving Accounts with High Balances
                                - 00021: Lack of Recently Reported Bank Installment Accounts
                                - 00025: Utilization of Available Credit on Bank Revolving Accounts
                                - 00026: Utilization of Available Credit on Department Store Accounts
                                - 00027: Too few Accounts Currently or in the Past Paid as Agreed
                                - 00032: Percent of Accounts Reported in the Past 12 Months versus Total Accounts on File
                                - 00033: Percent of Bank Revolving Accounts Reported in the Past 12 Months versus Total Bank Revolving Accounts on File
                                - 00044: Percent of Retail Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00048: Percent of Accounts Opened in the Past 24 Months versus Total Accounts
                                - 00060: Number of Personal Finance Accounts
                                - 00063: Lack of Recently Opened Accounts
                                - 00065: Number of Accounts Currently 30+ Days Late
                                - 00068: Number of Accounts Reported as 90-120 Days Late in the Past 24 Months or Status of Accounts is Unknown
                                - 00071: Number of Accounts with Low Balance of High Credit is Too Few
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00076: Percent of Credit Union Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months
                                - 00094: Number of Bank Revolving Accounts with Past Due Balances or Status of Accounts is Unknown
                                - 00114: Insufficient Number or Lack of Personal Finance Accounts
                                - 00115: Number of Travel and Entertainment Accounts Always Paid as Agreed
                                - 00116: Number of Bank Installment Accounts Currently or in the Past 60+ Days Late
                                - 00117: Number of Personal Finance Accounts Currently or in the Past 60+ Days Late
                                - 00118: Number of Auto Finance Accounts Currently or in the Past 30+ Days Late
                                - 00119: Number of Accounts Opened in the Past 6 Months
                                - 00190: Lack of Recently Reported Revolving Account Information
                                - 00191: Lack of Recently Reported Credit Union Account Information
                                - 00192: Lack of Recently Reported Retail Account Information
                                - 00193: Lack of Recently Reported Auto Finance Account Information
                                - 00194: Lack of Recently Reported Bank Installment Account Information
                                - 00195: Lack of Recently Reported Department Store Account Information
                                - 00196: Lack of Recently Reported Travel & Entertainment Account Information
                                - 00197: Lack of Recently Reported Bank Revolving Account Information
                                - 00198: Lack of Recently Reported Bank Balances on Accounts
                                - 00199: Lack of Recently Reported Status on Accounts
                                
                              Score Reason corresponding to Model Number 02458
                                - 00003: Length of Time Accounts Have Been Established
                                - 00005: Too Few Accounts Established
                                - 00008: Number of Accounts With Past Due Balances
                                - 00009: Current Delinquent Rating Reported
                                - 00024: Utilization of Available Credit on Accounts
                                - 00027: Too Few Accounts Currently or in the Past Paid as Agreed
                                - 00028: Too Few Bank Revolving Accounts Currently or in the Past Paid as Agreed
                                - 00041: Percent of Bank Revolving Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00043: Percent of Bank Installment Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00061: Number of Derogatory Public Record Items on File
                                - 00062: Number of Accounts Not Paid as Agreed in the Past 24 Months
                                - 00071: Number of Accounts with Low Balance of High Credit is Too Few in the Last 12 Months
                                - 00072: Number of Consumer Initiated Inquiries in the Past 12 Months
                                - 00073: Number of Consumer Initiated Retail Inquiries in the Past 12 Months
                                - 00074: Number to Telco/Utility Accounts Reported Bad Debt
                                - 00075: Too Few Auto Finance Accounts with No Reported Last Payments
                                - 00076: Percent of Credit Union Accounts versus Total Accounts Reported in the Past 12 Months
                                - 00077: Utilization on Revolving Accounts Reported in the Past 6 Months
                                
                              Score Reason corresponding to Model Number 02479
                                - xxxxx: Recovery Index Score doesn&apos;t return reason code
                                
                              Score Reason corresponding to Model Number 02978
                                - 00: No usable accounts
                                - 01: No open accounts
                                - 02: No accounts with valid credit amount
                                - 03: No recently reported accounts
                                - 04: No presently rated accounts
                                - 05: No rated accounts
                                - 06: No open, rated accounts
                                - 07: No recently opened, rated accounts
                                - 08: No accounts with a valid open date
                                - 09: No open accounts with a balance
                                - 10: No usable installment accounts
                                - 11: No open installment accounts
                                - 12: No installment accounts with valid credit amount
                                - 16: No open, rated installment accounts
                                - 17: No recently opened, rated installment accounts
                                - 20: No usable revolving accounts
                                - 21: No open revolving accounts
                                - 22: No revolving accounts with a valid credit amount
                                - 28: No revolving accounts with a valid open date
                                - 30: No usable bankcard accounts
                                - 31: No open bankcard accounts
                                - 32: No bankcard accounts with a valid credit amount
                                - 33: No recently reported bankcard accounts
                                - 35: No rated bankcard accounts
                                - 36: No open, rated bankcard accounts
                                - 40: No usable auto accounts
                                - 45: No rated auto accounts
                                - 46: No open, rated auto accounts
                                - 50: No usable real estate accounts
                                - 51: No open real estate accounts
                                - 52: No real estate accounts with valid credit amount
                                - 55: No rated real estate accounts
                                - 60: No usable retail revolving accounts
                                - 61: No open retail revolving accounts
                                - 62: No retail revolving accounts with a valid credit amount
                                - 90: Too few accounts
                                - 91: Presence of a bankruptcy
                                - 1A: No recently rated installment accounts
                                - 2A: No recently rated revolving accounts
                                - 2B: No recently opened revolving accounts
                                - 3A: No recently rated bankcard accounts
                                - 4A: No recently rated auto accounts
                                - 5A: No recently rated real estate accounts
                                - AA: Too few auto accounts consistently paid on time
                                - AB: Too few auto accounts with no severe delinquency
                                - AC: Too many auto accounts with severe delinquency/derog status
                                - AD: Worst status on auto accounts is delinquent/derog
                                - AE: Worst status in recent months on auto accounts is delinquent/derog
                                - AF: Worst present status on open auto accounts is delinquent
                                - AG: Newest delinquency/derog status on auto accounts is too recent
                                - BA: Too many recently opened bankcard accounts
                                - BB: Too many open bankcard accounts
                                - BC: Too many open bankcard accounts, open for at least six months
                                - BD: Too many open bankcard accounts with a balance
                                - BE: Too many open bankcard accounts with a high balance
                                - BF: Too many bankcard accounts with high utilization
                                - BG: Too few open bankcard accounts, open for at least six months
                                - BH: Too few bankcard accounts consistently paid on time
                                - BJ: Too many bankcard accounts with delinquency/derog status in recent months
                                - BK: Worst status on bankcard accounts is delinquent/derog
                                - BL: Worst status in recent months on bankcard accounts is delinquent/derog
                                - BM: Worst present status on open bankcard accounts is delinquent
                                - BN: Sum of balances on bankcard accounts is too high
                                - BP: Available credit on open bankcard accounts is too low
                                - BQ: Average credit amount on open bankcard accounts is too low
                                - BR: Maximum credit amount on open bankcard accounts is too low
                                - BS: Open bankcard account balance/credit amount ratio is too high
                                - BT: Too high proportion of bankcard accounts were opened recently
                                - BU: Too high proportion of bankcard accounts recently delinquency/derog
                                - BV: Too high proportion of balances from open bankcard accounts
                                - BW: Too high proportion of bankcard accounts have high utilization
                                - CA: Too many collection agency accounts with an amount greater than $250
                                - CB: Too many unpaid collection agency accounts
                                - CC: Too many collection agency accounts
                                - CD: Too many recent collection agency accounts
                                - CE: Presence of a collection agency account
                                - CF: The sum of balances on collection agency accounts is too high
                                - CG: Time since youngest collection agency account opened is too recent
                                - CH: Too high proportion of collection agency accounts were opened recently
                                - CJ: Too high proportion of collection agency accounts are unpaid
                                - DA: Too many open retail revolving accounts with a balance
                                - DB: Too many retail revolving accounts with high utilization
                                - DC: Too few retail accounts with no severe delinquencies
                                - DD: Sum of balances on open retail revolving accounts is too high
                                - DE: Open retail revolving account balance/credit amount ratio is too high
                                - FA: Too many finance company accounts
                                - FB: Too many open finance company accounts
                                - IA: Too many recently opened installment accounts
                                - IB: Presence of presently delinquent/derog installment accounts
                                - IC: Presence of severe delinquency/derog status on an installment account
                                - ID: Worst status on installment accounts is delinquent/derog
                                - IE: Worst status in recent months on installment accounts is delinquent/derog
                                - IF: Worst status on recently opened installment accounts is delinquent/derog
                                - IG: Worst present status on open installment accounts is delinquent
                                - IH: Sum of balances on delinquent/derog installment accounts is too high
                                - IJ: Sum of credit amounts on open installment accounts is too low
                                - IK: Average credit amount on open installment accounts is too low
                                - IL: Amount paid down on open installment accounts is too low
                                - IM: Newest delinquency/derog status on installment accounts is too recent
                                - IN: Open installment account balance/credit amount ratio is too high
                                - IP: Too high proportion of balances from open non-installment accounts
                                - MA: Too few open real estate accounts
                                - MB: Too few real estate accounts with no severe delinquencies
                                - MC: Worst status in recent months on real estate accounts is delinquent/derog
                                - MD: Worst present status on open real estate accounts is delinquent
                                - ME: Average credit amount on open real estate accounts is too low
                                - MF: Amount paid down on open real estate accounts is too low
                                - MG: Too low proportion of accounts are real estate accounts
                                - PA: Too many public record judgments/tax liens
                                - PB: Too many recent public record judgments/tax liens
                                - PC: Too many unsatisfied public record judgments/tax liens
                                - PD: Too many public record bankruptcy filings
                                - PE: Newest public record judgment/tax lien is too recent
                                - PF: Presence of public record judgment/tax lien since bankruptcy filing
                                - PG: Too high proportion of public record judgments/tax liens are unsatisfied
                                - Q0: Number of inquiries was also a factor, but effect was not significant
                                - QA: Too many recent inquiries
                                - QB: Too many inquiries
                                - RA: Too many open revolving accounts
                                - RB: Too few revolving accounts with a high credit amount
                                - RC: Too many revolving accounts with high utilization
                                - RD: Presence of presently delinquent/derog revolving accounts
                                - RE: Too many revolving accounts with delinquency/derog status
                                - RF: Worst status of any revolving account is delinquent/derog
                                - RG: Worst status in recent months on revolving accounts is delinquent/derog
                                - RH: Worst status on recently opened revolving accounts is delinquent/derog
                                - RJ: Sum of balances on revolving accounts is too high
                                - RK: Average balance on open revolving trades is too high
                                - RL: Available credit on open revolving accounts is too low
                                - RM: Sum of balances on delinquent/derog revolving accounts is too high
                                - RN: Average credit amount on open revolving accounts is too low
                                - RP: Time since oldest revolving account opened is too recent
                                - RQ: Time since youngest revolving account opened is too recent
                                - RR: Average time since revolving accounts opened is too recent
                                - RS: Newest delinquency/derog status on revolving accounts is too recent
                                - RT: Open revolving account balance/credit amount ratio is too high
                                - RU: Recenlty opened revolving account balance/credit amount ratio is too high
                                - RV: Too high proportion of revolving account delinquencies/derogs are recent
                                - RW: Too high proportion of recently opened accounts are revolving accounts
                                - RX: Too high proportion of balances from open revolving accounts
                                - RY: Too high proportion of revolving accounts have high utilization
                                - T0: Too high proportion of account delinquencies/derogs are recent
                                - T1: Too low proportion of accounts paid on time in recent months
                                - T2: Too low proportion of accounts with no recent severe delinquency
                                - T3: Too high proportion of accounts recently delinquency/derog
                                - TA: Too many recently opened accounts
                                - TB: Too few recently reported accounts presently current
                                - TC: Too many recently reported accounts presently delinquent/derog
                                - TD: Too few accounts paid on time in recent months
                                - TE: Presence of presently delinquent/derog accounts
                                - TF: Too many open accounts presently delinquent
                                - TG: Too many recently opened accounts with delinquency/derog status
                                - TH: Too many accounts with a bankrupt status
                                - TJ: Too many accounts with delinquency/derog status in recent months
                                - TK: Worst status on accounts is delinquent/derog
                                - TL: Worst status on recently opened accounts is delinquent/derog
                                - TM: Worst present status on open accounts is delinquent
                                - TN: Worst present status on recently opened, open accounts is delinquent
                                - TP: Worst present performance on accounts is delinquent/derog
                                - TQ: Open account balance/credit amount ratio is too high
                                - TR: Sum of balances on delinquent/derog accounts is too high
                                - TS: Time since oldest account opened is too recent
                                - TT: Time since youngest account opened is too recent
                                - TU: Average time since accounts opened is too recent
                                - TV: Newest delinquency/derog status on accounts is too recent
                                - TW: Presence of delinquency/derog status since bankruptcy filing
                                - TX: Ratio of accounts consistently paid on time to all accounts is too low
                                - TY: Too high proportion of accounts are in delinquency/derog status
                                - TZ: Too high proportion of accounts were opened recently
                                - --: No adverse action applied
                                
                              Score Reason corresponding to Model Number 02991
                                - 00: No hay cuentas utilizables
                                - 01: No hay cuentas abiertas
                                - 02: No hay cuentas con monto de credito valido
                                - 03: No hay cuentas recientemente reportadas
                                - 04: No hay cuentas actualmente calificadas
                                - 05: No hay cuentas calificadas
                                - 06: No hay cuentas abiertas calificadas
                                - 07: No hay cuentas recientemente abiertas calificadas
                                - 08: No hay cuentas con fecha de apertura valida
                                - 09: No hay cuentas abiertas con saldo
                                - 10: No hay cuentas a plazo utilizables
                                - 11: No hay cuentas a plazo abiertas
                                - 12: No hay cuentas a plazo con monto de credito valido
                                - 16: No hay cuentas a plazo abiertas calificadas
                                - 17: No hay cuentas a plazo recientemente abiertas calificadas
                                - 20: No hay cuentas rotatoria utilizables
                                - 21: No hay cuentas rotatorias abiertas
                                - 22: No hay cuentas rotatorias con credito valido
                                - 28: No hay cuentas rotatorias con fecha apertura valida
                                - 30: No hay tarjetas bancarias utilizables
                                - 31: No hay tarjetas bancarias abiertas
                                - 32: No hay tarjetas bancarias con credito valido
                                - 33: No hay tarjetas bancarias recientemente reportadas
                                - 35: No hay tarjetas bancarias calificadas
                                - 36: No hay tarjetas bancarias abiertas calificadas
                                - 40: No hay cuentas de auto utilizables
                                - 45: No hay cuentas de auto calificadas
                                - 46: No hay cuentas de auto abiertas calificadas
                                - 50: No hay cuentas inmobiliarias utilizables
                                - 51: No hay cuentas inmobiliarias abiertas
                                - 52: No hay cuentas inmobiliarias con credito valido
                                - 55: No hay cuentas inmobiliarias calificadas
                                - 60: No hay cuentas rotatorias de consumo utilizables
                                - 61: No hay cuentas rotatorias de consumo abiertas
                                - 62: No hay cuentas rotatorias de consumo con credito valido
                                - 90: Muy pocas cuentas
                                - 91: Presencia de quiebra
                                - 1A: No hay cuentas a plazo recientemente calificadas
                                - 2A: No hay cuentas rotatorias recientemente calificadas
                                - 2B: No hay cuentas rotatorias recientemente abiertas
                                - 3A: No hay tarjetas bancarias recientemente calificadas
                                - 4A: No hay cuentas de auto recientemente calificadas
                                - 5A: No hay cuentas inmobiliarias recientemente calificadas
                                - AA: Muy pocas cuentas de auto consistentemente pagadas a tiempo
                                - AB: Muy pocas cuentas de auto sin mora severa
                                - AC: Numero excesivo de cuentas de auto en estado incobrable/mora severos
                                - AD: Peor estado en cuentas de auto es incobrable/mora
                                - AE: Peor estado reciente en en cuentas de auto es incobrable/mora
                                - AF: Peor estado actual en cuentas de auto abiertas es mora
                                - AG: Estado incobrable/mora mas reciente en cuentas de auto es muy reciente
                                - BA: Muchas tarjetas bancarias recientemente abiertas
                                - BB: Muchas tarjetas bancarias abiertas
                                - BC: Muchas tarjetas bancarias abiertas por lo menos seis meses
                                - BD: Muchas tarjetas bancarias abiertas con un saldo
                                - BE: Muchas tarjetas bancarias abiertas con un saldo alto
                                - BF: Muchas tarjetas bancarias con alta utilizacion
                                - BG: Muy pocas tarjetas bancarias abiertas por lo menos seis meses
                                - BH: Muy pocas tarjetas bancarias consistentemente pagadas a tiempo
                                - BJ: Muchas tarjetas bancarias con estado incobrable/mora en meses recientes
                                - BK: Peor estado tarjetas bancarias incobrable/mora
                                - BL: Peor estado reciente en tarjetas bancarias abiertas incobrable/mora
                                - BM: Peor estado actual tarjetas bancarias abiertas es mora
                                - BN: Suma saldos tarjetas bancarias es muy alta
                                - BP: Credito disponible en tarjetas bancarias abiertas es muy bajo
                                - BQ: Monto de credito promedio en tarjetas bancarias abiertas muy bajo
                                - BR: Monto de credito maximo en tarjetas bancarias abiertas muy bajo
                                - BS: Relacion saldo y monto de credito de tarjetas bancarias abiertas muy alta
                                - BT: Proporcion muy alta tarjetas bancarias fueron abiertas recientemente
                                - BU: Proporcion muy alta tarjetas bancarias recientemente en incobrables/mora
                                - BV: Proporcion muy alta de saldos de tarjetas bancarias abiertas
                                - BW: Proporcion muy alta de tarjetas bancarias tienen alta utilizacion
                                - CA: Demasiadas cuentas en agencia de cobro con un monto superior a $250
                                - CB: Demasiadas cuentas en agencia de cobro sin pagar
                                - CC: Demasiadas cuentas en agencias de cobro
                                - CD: Demasiadas cuentas en agencia de cobro recientes
                                - CE: Presencia de una cuenta en agencia de cobro
                                - CF: Suma de saldos de cuentas en agencias de cobro es muy alta
                                - CG: Plazo desde apertura de ultima cuenta con agencia de cobro muy reciente
                                - CH: Porcion muy alta de cuentas en agencias de cobro abiertas recientemente
                                - CJ: Proporcion muy alta de cuentas en agencias de cobro estan sin pagar
                                - DA: Demasiadas cuentas rotatorias de consumo abiertas con un saldo
                                - DB: Demasiadas cuentas rotatorias de consumo con alta utilizacion
                                - DC: Muy pocas cuentas de consumo sin morosidad severa
                                - DD: Suma de saldos en cuentas rotatorias de consumo abiertas es muy alta
                                - DE: Relacion saldo y monto credito ctas rotatorias consumo abiertas muy alta
                                - FA: Demasiadas cuentas con companias financieras
                                - FB: Demasiadas cuentas abiertas con companias financieras
                                - IA: Demasiadas cuentas a plazo recientemente abiertas
                                - IB: Presencia de cuentas a plazo actualmente en incobrable/mora
                                - IC: Presencia de estado incobrable/ mora severo en una cuenta a plazo
                                - ID: Peor estado en cuentas a plazo es incobrable/mora
                                - IE: Peor estado reciente en en cuentas a plazo es incobrable/mora
                                - IF: Peor estado en cuentas a plazo recientemente abiertas es incobrable/mora
                                - IG: Peor estado actual en cuentas a plazo abiertas es de mora
                                - IH: Suma de saldos en cuentas a plazo en incobrables/mora es muy alta
                                - IJ: Suma de montos de credito en cuentas a plazo abiertas es muy baja
                                - IK: Monto de credito promedio en cuentas a plazo abiertas es muy bajo
                                - IL: Monto pagado en cuentas a plazos abiertas es muy abajo
                                - IM: Estado incobrable/mora mas reciente en cuentas a plazo es muy reciente
                                - IN: Relacion entre saldo y monto de credito de cuentas a plazo es muy alta
                                - IP: Proporcion excesivamente alta saldos cuentas abiertas que no son a plazo
                                - MA: Muy pocas cuentas inmobiliarias abiertas
                                - MB: Muy pocas cuentas inmobiliarias sin mora severa
                                - MC: Peor estado reciente en en cuentas inmobiliarias es incobrable/mora
                                - MD: Peor estado actual en cuentas inmobiliarias abiertas es mora
                                - ME: Monto de credito promedio en cuentas inmobiliarias abiertas es muy bajo
                                - MF: Monto pagado en cuentas inmobiliarias abiertas es muy bajo
                                - MG: Proporcion excesivamente baja de cuentas son cuentas inmobiliarias
                                - PA: Demasiados gravamenes tributarios/sentencias anotados
                                - PB: Demasiados gravamenes tributarios/sentencias anotados recientes
                                - PC: Muchos gravamenes tributarios/sentencias anotados no pagados o ejecutadas
                                - PD: Demasiadas declaraciones de quiebra anotadas
                                - PE: Gravamen tributario o sentencia inscrito mas reciente es muy reciente
                                - PF: Hay gravamen tributario/sentencia anotados desde declaracion de quiebra
                                - PG: Muchos gravamenes tributarios/sentencias anotados no pagados o ejecutadas
                                - Q0: Numero de consultas fue un factor, pero el efecto no fue significativo
                                - QA: Numero excesivo de consultas recientes
                                - QB: Numero excesivo de consultas
                                - RA: Numero excesivo de cuentas rotatorias abiertas
                                - RB: Muy pocas cuentas rotatorias con un monto de credito alto
                                - RC: Numero excesivo de cuentas rotatorias con alta utilizacion
                                - RD: Presencia de cuentas rotatorias actualmente en incobrable/mora
                                - RE: Numero excesivo de cuentas rotatorias con estado incobrable/mora
                                - RF: Peor estado de cualquier cuenta rotatoria es incobrable/mora
                                - RG: Peor estado reciente en en cuentas rotatorias es incobrable/mora
                                - RH: Peor estado cuentas rotatorias abiertas recientemente es incobrable/mora
                                - RJ: Suma de saldos en cuentas rotatorias es muy alta
                                - RK: Saldo promedio en cuentas rotatorias abiertas es muy alto
                                - RL: Credito disponible en cuentas rotatorias abiertas es muy bajo
                                - RM: Suma de saldos de cuentas rotatorias en incobrable/mora es muy alta
                                - RN: Monto de credito promedio en cuentas rotatorias abiertas es muy bajo
                                - RP: Tiempo desde que se abrio cuenta rotatoria mas vieja es muy reciente
                                - RQ: Tiempo desde que se abrio cuenta rotatoria mas nueva es muy reciente
                                - RR: Tiempo promedio desde que se abrieron cuentas rotatorias es muy reciente
                                - RS: Estado incobrable/mora mas reciente en cuentas rotatorias es muy reciente
                                - RT: Relacion saldo y monto de credito cuentas rotatorias abiertas es muy alta
                                - RU: Ratio saldo y monto credito cuentas rotatorias recien abiertas muy alta
                                - RV: Proporcion estado incobrable/mora reciente en cuentas rotatorias muy alta
                                - RW: Proporcion muy alta de cuentas recien abiertas son cuentas rotatorias
                                - RX: Proporcion muy alta de saldos de cuentas rotatorias abiertas
                                - RY: Proporcion muy alta de cuentas rotatorias tienen alta utilizacion
                                - T0: Proporcion muy alta de estado incobrable/mora recientes en cuentas
                                - T1: Proporcion muy baja de cuentas pagadas a tiempo en meses recientes
                                - T2: Proporcion muy baja de cuentas sin morosidad severa reciente
                                - T3: Proporcion excesiva cuentas recientemente en incobrable/mora
                                - TA: Numero excesivo cuentas recientemente abiertas
                                - TB: Muy pocas cuentas recientemente reportadas actualmente pagadas a tiempo
                                - TC: Demasiadas cuentas recientemente reportadas actualmente incobrable/mora
                                - TD: Muy pocas cuentas pagadas a tiempo en meses recientes
                                - TE: Presencia cuentas actualmente en mora o incobrables
                                - TF: Numero excesivo cuentas abiertas actualmente en mora
                                - TG: Numero excesivo cuentas recientemente abiertas con estado incobrable/mora
                                - TH: Numero excesivo cuentas con un estado de quiebra
                                - TJ: Numero excesivo cuentas con un estado incobrable/mora en meses recientes
                                - TK: Peor estado en cuentas es de mora o incobrable
                                - TL: Peor estado en cuentas recientemente abiertas es incobrable/mora
                                - TM: Peor estado actual en cuentas abiertas es de mora
                                - TN: Peor estado actual en cuentas abiertas, recientemente abiertas es de mora
                                - TP: Peor rendimiento actual de cuentas es mora o incobrable
                                - TQ: Relacion entre saldo cuentas y monto del credito es muy alta
                                - TR: Suma de los saldos de cuentas en incobrable/mora es muy alta
                                - TS: Tiempo desde que se abrio cuenta mas vieja es muy reciente
                                - TT: Tiempo desde que se abrio cuenta mas nueva es muy reciente
                                - TU: Tiempo promedio desde que se abrieron cuentas es muy reciente
                                - TV: Estado mas reciente incobrable/mora en cuentas es muy reciente
                                - TW: Presencia estado incobrable/ mora desde la declaracion de quiebra
                                - TX: Proporcion de cuentas consistentemente pagadas a tiempo es muy baja
                                - TY: Proporcion excesiva cuentas estan en estado moroso o son incobrables
                                - TZ: Proporcion excesiva de cuentas fueron abiertas recientemente
                                - --: No se aplico una medida negativa
                                
                              Score Reason corresponding to Model Number 05008
                                - 00: You have no accounts that can be used in determining a credit score
                                - 01: You have no open accounts
                                - 02: None of your accounts show a credit amount
                                - 03: You have no recently reported accounts
                                - 04: You have no accounts that currently show your payment status
                                - 05: You have no accounts that show your payment status
                                - 06: You have no open accounts that show a payment status
                                - 07: You have no recently opened accounts that show a payment status
                                - 08: None of your accounts show when they were opened
                                - 09: You have no open accounts with a balance
                                - 10: No usable installment accounts
                                - 11: You have no open installment accounts
                                - 12: None of your installment accounts show a credit amount
                                - 16: You have no open installment accounts that show a payment status
                                - 17: You have no recently opened installment accounts that show a payment status
                                - 20: No usable revolving accounts
                                - 21: You have no open revolving credit accounts
                                - 22: None of your revolving accounts show a credit amount
                                - 28: None of your revolving accounts show when they were opened
                                - 30: No usable bankcard accounts
                                - 31: You have no open bank credit card accounts
                                - 32: None of your bank credit card accounts show a credit amount
                                - 33: You have no recently reported bank credit card accounts
                                - 35: You have no bank credit card accounts that show your payment status
                                - 36: You have no open bank credit card accounts that show a payment status
                                - 40: You have no auto accounts that can be used in determining a credit score
                                - 45: You have no auto accounts that show your payment status
                                - 46: You have no open auto accounts that show a payment status
                                - 50: No usable real estate accounts
                                - 51: You have no open real estate accounts
                                - 52: None of your real estate accounts show a credit amount
                                - 55: You have no real estate accounts that show your payment status
                                - 60: No usable retail revolving accounts
                                - 61: You have no open retail revolving accounts
                                - 62: None of your retail revolving accounts show a credit amount
                                - 90: You have too few credit accounts
                                - 91: There is a bankruptcy on your credit report
                                - 1A: None of your installment accounts have recently reported your payment status
                                - 2A: None of your revolving accounts have recently reported your payment status
                                - 2B: You have no recently opened revolving credit accounts
                                - 3A: No recently rated bankcard accounts
                                - 4A: None of your auto accounts have recently reported your payment status
                                - 5A: None of your real estate accounts have recently reported your payment status
                                - AA: Not enough of your auto accounts have been consistently paid on time
                                - AB: Too many of your auto accounts have a severe delinquency
                                - AC: Too many of your auto accounts are severely delinquent or derogatory
                                - AD: Worst status on auto accounts is delinquent/derogatory
                                - AE: Worst status in recent months on auto accounts is delinquent/derogatory
                                - AF: A delinquency is currently the worst status on your open auto accounts
                                - AG: Newest delinquency/derogatory status on auto accounts is too recent
                                - BA: You have too many recently opened bank credit card accounts
                                - BB: You have too many open bank credit card accounts
                                - BC: Too many open bankcard accounts, open for at least six months
                                - BD: You have too many open bank credit card accounts with a balance
                                - BE: You have too many open bank credit card accounts with a high balance
                                - BF: You have too many bank credit card accounts with high utilization
                                - BG: Too few open bankcard accounts, open for at least six months
                                - BH: Not enough of your bank credit card accounts are consistently paid on time
                                - BJ: Too many bankcard accounts with delinquency/derog status in recent months
                                - BK: Worst status on bankcard accounts is delinquent/derogatory
                                - BL: Worst status in recent months on bankcard accounts is delinquent/derogatory
                                - BM: Worst present status on open bankcard accounts is delinquent
                                - BN: The sum of your bank credit card account balances is too high
                                - BP: The available credit on your open bank credit card accounts is too low
                                - BQ: Your average credit amount on bank credit cards is too low
                                - BR: The maximum credit amount on your open bank credit card accounts is too low
                                - BS: Open bankcard account balance/credit amount ratio is too high
                                - BT: Too high a proportion of your bank credit card accounts were opened recently
                                - BU: Too high proportion of bankcard accounts recently delinquency/derogatory
                                - BV: Too high proportion of balances from open bankcard accounts
                                - BW: Too many of your bank credit card accounts have high utilization
                                - CA: Too many collection agency accounts with an amount greater than $250
                                - CB: You have too many unpaid collection agency accounts
                                - CC: You have too many collection agency accounts
                                - CD: You have too many recent collection agency accounts
                                - CE: You have a collection agency account listed on your credit report
                                - CF: You have a high sum of balances on collection agency accounts
                                - CG: You have a collection agency account that was recently opened
                                - CH: Too many of your collection agency accounts were opened recently
                                - CJ: Too many of your collection accounts are unpaid
                                - DA: You have too many open retail revolving credit accounts with a balance
                                - DB: You have too many retail revolving credit accounts with high utilization
                                - DC: Too many of your retail credit accounts have severe delinquencies
                                - DD: The sum of your open retail revolving credit account balances is too high
                                - DE: Open retail revolving account balance/credit amount ratio is too high
                                - FA: You have too many finance company accounts
                                - FB: You have too many open finance company accounts
                                - IA: You have too many recently opened installment accounts
                                - IB: You have installment accounts that are currently delinquent or derogatory
                                - IC: You have an installment account that is severely delinquent or derogatory
                                - ID: Worst status on installment accounts is delinquent/derogatory
                                - IE: Worst status in recent months on installment accounts is delinquent/derog
                                - IF: Worst status on recently opened installment accounts is delinquent/derogatory
                                - IG: Worst present status on open installment accounts is delinquent
                                - IH: Sum of balances on delinquent/derogatory installment accounts is too high
                                - IJ: Your sum of credit amounts on installment accounts is too low
                                - IK: Your average credit amount on installment accounts is too low
                                - IL: The amount paid on your open installment accounts is too low
                                - IM: Newest delinquency/derogatory status on installment accounts is too recent
                                - IN: Open installment account balance/credit amount ratio is too high
                                - IP: Too high proportion of balances from open non-installment accounts
                                - MA: You do not have enough open real estate accounts
                                - MB: Too many of your real estate accounts have been severely delinquent
                                - MC: Worst status in recent months on real estate accounts is delinquent/derog
                                - MD: Worst present status on open real estate accounts is delinquent
                                - ME: Your average credit amount on open real estate accounts is too low
                                - MF: The amount paid on your open real estate accounts is too low
                                - MG: Too low of a proportion of your accounts are real estate accounts
                                - PA: There are too many public record judgments or tax liens on your credit report
                                - PB: Too many recent public record judgments/tax liens
                                - PC: Too many unsatisfied public record judgments/tax liens
                                - PD: There are too many public record bankruptcy filings on your credit report
                                - PE: You have one or more public record judgments or tax liens that are too recent
                                - PF: Presence of public record judgment/tax lien since bankruptcy filing
                                - PG: Too high proportion of public record judgments/tax liens are unsatisfied
                                - Q0: Number of inquiries was also a factor, but effect was not significant
                                - QA: You have too many recent inquiries on your credit report
                                - QB: You have too many inquiries on your credit report
                                - RA: You have too many open revolving credit accounts
                                - RB: You have too few revolving accounts with high credit limits
                                - RC: You have too many revolving credit accounts with high utilization
                                - RD: Presence of presently delinquent/derogatory revolving accounts
                                - RE: Too many of your revolving credit accounts are delinquent or derogatory
                                - RF: Worst status of any revolving account is delinquent/derogatory
                                - RG: Worst status in recent months on revolving accounts is delinquent/derogatory
                                - RH: Worst status on recently opened revolving accounts is delinquent/derogatory
                                - RJ: The sum of your revolving credit account balances is too high
                                - RK: The average balance on open revolving credit accounts is too high
                                - RL: The available credit on your open revolving credit accounts is too low
                                - RM: Sum of balances on delinquent/derogatory revolving accounts is too high
                                - RN: Your average credit amount on open revolving accounts is too low
                                - RP: Your oldest revolving credit account was opened too recently
                                - RQ: Your newest revolving credit account was opened too recently
                                - RR: On average, your revolving credit accounts were opened too recently
                                - RS: Newest delinquency/derogatory status on revolving accounts is too recent
                                - RT: Open revolving account balance/credit amount ratio is too high
                                - RU: Recently opened revolving account balance/credit amount ratio is too high
                                - RV: Too high proportion of revolving account delinquencies/derogs are recent
                                - RW: Too high proportion of recently opened accounts are revolving accounts
                                - RX: Too high of a proportion of your balances are from open revolving accounts
                                - RY: Too many of your revolving credit accounts have high utilization
                                - T0: Too high a proportion of your account delinquencies are recent
                                - T1: Too low proportion of accounts paid on time in recent months
                                - T2: Too low proportion of accounts with no recent severe delinquency
                                - T3: Too high proportion of accounts recently delinquency/derogatory
                                - TA: You have too many recently opened accounts
                                - TB: Too many of your recently reported accounts are currently delinquent
                                - TC: Too many recently reported accounts presently delinquent/derogatory
                                - TD: Not enough of your accounts have been paid on time in recent months
                                - TE: You have accounts that are currently delinquent or derogatory
                                - TF: You have too many open accounts that are currently delinquent
                                - TG: Too many recently opened accounts with delinquency/derogatory status
                                - TH: Too many of your accounts have been included in a bankruptcy
                                - TJ: Too many of your accounts have been delinquent or derogatory in recent months
                                - TK: A delinquent or derogatory item is the worst status on your reported accounts
                                - TL: Worst status on recently opened accounts is delinquent/derogatory
                                - TM: Worst present status on open accounts is delinquent
                                - TN: Worst present status on recently opened, open accounts is delinquent
                                - TP: Worst present performance on accounts is delinquent/derogatory
                                - TQ: Open account balance/credit amount ratio is too high
                                - TR: The sum of the balances on delinquent or derogatory accounts is too high
                                - TS: Time since oldest account opened is too recent
                                - TT: Your most recently opened account is too new
                                - TU: On average, your accounts are too new
                                - TV: Newest delinquency/derogatory status on accounts is too recent
                                - TW: Presence of delinquency/derogatory status since bankruptcy filing
                                - TX: Not enough of your accounts are consistently paid on time
                                - TY: Too high of a proportion of your accounts are delinquent or derogatory
                                - TZ: Too high a proportion of your accounts were opened recently
                                - --: No adverse action applied
                                
                              Score Reason corresponding to Model Number 05028
                                - 00: No hay cuentas utilizables
                                - 01: Usted no tiene cuentas abiertas
                                - 02: Ninguna de sus cuentas muestra un monto de credito
                                - 03: Usted no tiene cuentas reportadas recientemente
                                - 04: Usted no tiene cuentas que muestren actualmente su estatus de pagos
                                - 05: Usted no tiene cuentas que muestren su estatus de pagos
                                - 06: Usted no tiene cuentas abiertas que muestren su estatus de pagos
                                - 07: No hay cuentas recientemente abiertas calificadas
                                - 08: Ninguna de sus cuentas muestran cuando fueron abiertas
                                - 09: Usted no tiene cuentas abiertas que muestren un saldo
                                - 10: No hay cuentas a plazo utilizables
                                - 11: Usted no tiene cuentas de pagos a plazo abiertas
                                - 12: Ninguna de sus cuentas de pagos a plazo muestran un monto de credito
                                - 16: No hay cuentas a plazo abiertas calificadas
                                - 17: No hay cuentas a plazo recientemente abiertas calificadas
                                - 20: No hay cuentas rotatoria utilizables
                                - 21: Usted no tiene cuentas de credito rotativo abiertas
                                - 22: Ninguna de sus cuentas rotativas muestran un monto de credito
                                - 28: Ninguna de sus cuentas rotativas muestran cuando fueron abiertas
                                - 30: No hay tarjetas bancarias utilizables
                                - 31: Usted no tiene cuentas de credito bancario abiertas
                                - 32: Ninguna de sus cuentas de credito bancario muestran un monto de credito
                                - 33: Usted no tiene cuentas de credito bancario reportadas recientemente
                                - 35: No hay tarjetas bancarias calificadas
                                - 36: No hay tarjetas bancarias abiertas calificadas
                                - 40: No hay cuentas de auto utilizables
                                - 45: No hay cuentas de auto calificadas
                                - 46: No hay cuentas de auto abiertas calificadas
                                - 50: No hay cuentas inmobiliarias utilizables
                                - 51: Usted no tiene cuentas inmobiliarias abiertas
                                - 52: Ninguna de sus cuentas inmobiliarias muestran un monto de credito
                                - 55: Usted no tiene cuentas inmobiliarias que muestren su estatus de pagos
                                - 60: No hay cuentas rotatorias de consumo utilizables
                                - 61: Usted no tiene cuentas comerciales rotativas abiertas
                                - 62: Ninguna de sus cuentas comerciales rotativas muestran un monto de credito
                                - 90: Usted tiene demasiadas pocas cuentas de credito
                                - 91: Su historial de credito muestra una bancarrota
                                - 1A: No hay cuentas a plazo recientemente calificadas
                                - 2A: No hay cuentas rotatorias recientemente calificadas
                                - 2B: Usted no tiene cuentas de credito rotativo abiertas recientemente
                                - 3A: No hay tarjetas bancarias recientemente calificadas
                                - 4A: No hay cuentas de auto recientemente calificadas
                                - 5A: No hay cuentas inmobiliarias recientemente calificadas
                                - AA: Muy pocas cuentas de auto consistentemente pagadas a tiempo
                                - AB: Muy pocas cuentas de auto sin mora severa
                                - AC: Numero excesivo de cuentas de auto en estado incobrable/mora severos
                                - AD: Peor estado en cuentas de auto es incobrable/mora
                                - AE: Peor estado reciente en en cuentas de auto es incobrable/mora
                                - AF: Peor estado actual en cuentas de auto abiertas es mora
                                - AG: Estado incobrable/mora mas reciente en cuentas de auto es muy reciente
                                - BA: Muchas tarjetas bancarias recientemente abiertas
                                - BB: Usted tiene demasiadas cuentas de tarjeta de credito bancarias abiertas
                                - BC: Muchas tarjetas bancarias abiertas por lo menos seis meses
                                - BD: Muchas tarjetas bancarias abiertas con un saldo
                                - BE: Muchas tarjetas bancarias abiertas con un saldo alto
                                - BF: Muchas tarjetas bancarias con alta utilizacion
                                - BG: Muy pocas tarjetas bancarias abiertas por lo menos seis meses
                                - BH: Muy pocas tarjetas bancarias consistentemente pagadas a tiempo
                                - BJ: Muchas tarjetas bancarias con estado incobrable/mora en meses recientes
                                - BK: Peor estado tarjetas bancarias incobrable/mora
                                - BL: Peor estado reciente en tarjetas bancarias abiertas incobrable/mora
                                - BM: Peor estado actual tarjetas bancarias abiertas es mora
                                - BN: Suma saldos tarjetas bancarias es muy alta
                                - BP: Credito disponible en tarjetas bancarias abiertas es muy bajo
                                - BQ: Monto de credito promedio en tarjetas bancarias abiertas muy bajo
                                - BR: Monto de credito maximo en tarjetas bancarias abiertas muy bajo
                                - BS: Relacion saldo y monto de credito de tarjetas bancarias abiertas muy alta
                                - BT: Proporcion muy alta tarjetas bancarias fueron abiertas recientemente
                                - BU: Proporcion muy alta tarjetas bancarias recientemente en incobrables/mora
                                - BV: Proporcion muy alta de saldos de tarjetas bancarias abiertas
                                - BW: Proporcion muy alta de tarjetas bancarias tienen alta utilizacion
                                - CA: Demasiadas cuentas en agencia de cobro con un monto superior a $250
                                - CB: Usted tiene demasiadas cuentas de agencias de cobros sin pagar
                                - CC: Usted tiene demasiadas cuentas de agencias de cobros
                                - CD: Usted tiene demasiadas cuentas recientes de agencias de cobros
                                - CE: Usted tiene una cuenta de agencia de cobros incluida en su reporte de credito
                                - CF: Usted tiene una alta suma de saldos en sus cuentas de agencias de cobros
                                - CG: Usted tiene una cuenta de agencia de cobros que ha sido abierta recientemente
                                - CH: Porcion muy alta de cuentas en agencias de cobro abiertas recientemente
                                - CJ: Muchas de sus cuentas de cobros estan sin pagar
                                - DA: Demasiadas cuentas rotatorias de consumo abiertas con un saldo
                                - DB: Demasiadas cuentas rotatorias de consumo con alta utilizacion
                                - DC: Demasiadas de sus cuentas de credito comerciales son severamente morosas
                                - DD: Suma de saldos en cuentas rotatorias de consumo abiertas es muy alta
                                - DE: Relacion saldo y monto credito ctas rotatorias consumo abiertas muy alta
                                - FA: Usted tiene demasiadas cuentas de compañias de financiamiento
                                - FB: Usted tiene demasiadas cuentas de compañias de financiamiento abiertas
                                - IA: Usted tiene demasiadas cuentas de pagos a plazo abiertas recientemente
                                - IB: Presencia de cuentas a plazo actualmente en incobrable/mora
                                - IC: Presencia de estado incobrable/ mora severo en una cuenta a plazo
                                - ID: Peor estado en cuentas a plazo es incobrable/mora
                                - IE: Peor estado reciente en en cuentas a plazo es incobrable/mora
                                - IF: Peor estado en cuentas a plazo recientemente abiertas es incobrable/mora
                                - IG: Peor estado actual en cuentas a plazo abiertas es de mora
                                - IH: Suma de saldos en cuentas a plazo en incobrables/mora es muy alta
                                - IJ: Suma de montos de credito en cuentas a plazo abiertas es muy baja
                                - IK: Monto de credito promedio en cuentas a plazo abiertas es muy bajo
                                - IL: Monto pagado en cuentas a plazos abiertas es muy abajo
                                - IM: Estado incobrable/mora mas reciente en cuentas a plazo es muy reciente
                                - IN: Relacion entre saldo y monto de credito de cuentas a plazo es muy alta
                                - IP: Proporcion excesivamente alta saldos cuentas abiertas que no son a plazo
                                - MA: Usted no tiene suficientes cuentas inmobiliarias abiertas
                                - MB: Demasiadas de sus cuentas inmobiliarias han sido severamente morosas
                                - MC: Peor estado reciente en en cuentas inmobiliarias es incobrable/mora
                                - MD: Peor estado actual en cuentas inmobiliarias abiertas es mora
                                - ME: Monto de credito promedio en cuentas inmobiliarias abiertas es muy bajo
                                - MF: La cantidad pagada en sus cuentas inmobiliarias abiertas es demasiado baja
                                - MG: Una proporcion demasiado baja de sus cuentas son cuentas inmobiliarias
                                - PA: Demasiados gravamenes tributarios/sentencias anotados
                                - PB: Demasiados gravamenes tributarios/sentencias anotados recientes
                                - PC: Muchos gravamenes tributarios/sentencias anotados no pagados o ejecutadas
                                - PD: Demasiadas declaraciones de quiebra anotadas
                                - PE: Gravamen tributario o sentencia inscrito mas reciente es muy reciente
                                - PF: Hay gravamen tributario/sentencia anotados desde declaracion de quiebra
                                - PG: Muchos gravamenes tributarios/sentencias anotados no pagados o ejecutadas
                                - Q0: Numero de consultas fue un factor, pero el efecto no fue significativo
                                - QA: Numero excesivo de consultas recientes
                                - QB: Usted tiene demasiadas solicitudes de informacion en su reporte de credito
                                - RA: Usted tiene demasiadas cuentas de credito rotativo abiertas
                                - RB: Usted tiene demasiadas pocas cuentas rotativas con limites de credito altos
                                - RC: Numero excesivo de cuentas rotatorias con alta utilizacion
                                - RD: Presencia de cuentas rotatorias actualmente en incobrable/mora
                                - RE: Demasiadas de sus cuentas de credito rotativo son morosas o incobrables
                                - RF: Peor estado de cualquier cuenta rotatoria es incobrable/mora
                                - RG: Peor estado reciente en en cuentas rotatorias es incobrable/mora
                                - RH: Peor estado cuentas rotatorias abiertas recientemente es incobrable/mora
                                - RJ: La suma de los saldos de su cuenta de credito rotativo es demasiado alta
                                - RK: Saldo promedio en cuentas rotatorias abiertas es muy alto
                                - RL: Credito disponible en cuentas rotatorias abiertas es muy bajo
                                - RM: Suma de saldos de cuentas rotatorias en incobrable/mora es muy alta
                                - RN: Monto de credito promedio en cuentas rotatorias abiertas es muy bajo
                                - RP: Tiempo desde que se abrio cuenta rotatoria mas vieja es muy reciente
                                - RQ: Su mas nueva cuenta de credito rotativa fue abierta demasiado reciente
                                - RR: Tiempo promedio desde que se abrieron cuentas rotatorias es muy reciente
                                - RS: Estado incobrable/mora mas reciente en cuentas rotatorias es muy reciente
                                - RT: Relacion saldo y monto de credito cuentas rotatorias abiertas es muy alta
                                - RU: Ratio saldo y monto credito cuentas rotatorias recien abiertas muy alta
                                - RV: Proporcion estado incobrable/mora reciente en cuentas rotatorias muy alta
                                - RW: Proporcion muy alta de cuentas recien abiertas son cuentas rotatorias
                                - RX: Proporcion muy alta de saldos de cuentas rotatorias abiertas
                                - RY: Proporcion muy alta de cuentas rotatorias tienen alta utilizacion
                                - T0: Una proporcion demasiado alta de sus cuentas moratorias es muy reciente
                                - T1: Proporcion muy baja de cuentas pagadas a tiempo en meses recientes
                                - T2: Proporcion muy baja de cuentas sin morosidad severa reciente
                                - T3: Proporcion excesiva cuentas recientemente en incobrable/mora
                                - TA: Usted tiene demasiadas cuentas abiertas recientemente
                                - TB: Muchas de sus cuentas reportadas recientemente son actualmente morosas
                                - TC: Demasiadas cuentas recientemente reportadas actualmente incobrable/mora
                                - TD: Muy pocas cuentas pagadas a tiempo en meses recientes
                                - TE: Usted tiene actualmente cuentas que son morosas o incobrables
                                - TF: Usted tiene actualmente demasiadas cuentas abiertas que son morosas
                                - TG: Numero excesivo cuentas recientemente abiertas con estado incobrable/mora
                                - TH: Demasiadas de sus cuentas han sido incluidas en una bancarrota
                                - TJ: Muchas de sus cuentas han sido morosas o incobrables en meses recientes
                                - TK: Un elemento moroso o incobrable es el peor estatus en sus cuentas reportadas
                                - TL: Peor estado en cuentas recientemente abiertas es incobrable/mora
                                - TM: Peor estado actual en cuentas abiertas es de mora
                                - TN: Peor estado actual en cuentas abiertas, recientemente abiertas es de mora
                                - TP: Peor rendimiento actual de cuentas es mora o incobrable
                                - TQ: Relacion entre saldo cuentas y monto del credito es muy alta
                                - TR: Suma de los saldos de cuentas en incobrable/mora es muy alta
                                - TS: El tiempo desde que abrio su cuenta de mas antiguedad es demasiado reciente
                                - TT: Su cuenta abierta mas recientemente es demasiado nueva
                                - TU: En promedio, sus cuentas son demasiado nuevas
                                - TV: Estado mas reciente incobrable/mora en cuentas es muy reciente
                                - TW: Presencia estado incobrable/ mora desde la declaracion de quiebra
                                - TX: Proporcion de cuentas consistentemente pagadas a tiempo es muy baja
                                - TY: Una proporcion demasiado alta de sus cuentas es morosa o incobrable
                                - TZ: Una proporcion demasiado alta de sus cuentas fue abierta recientemente
                                - --: No se aplico una medida negativa
                                
                              Score Reason corresponding to Model Number 05143
                                - 00004: The balances on your accounts are too high compared to loan amounts
                                - 00005: Too many of the delinquencies on your accounts are recent
                                - 00006: You have too many accounts that were opened recently
                                - 00007: You have too many delinquent or derogatory accounts
                                - 00008: You have either very few loans or too many loans with recent delinquencies
                                - 00009: The worst payment status on your accounts is delinquent or derogatory
                                - 00010: You have either very few loans or too many loans with delinquencies
                                - 00011: The total of your delinquent or derogatory account balances is too high
                                - 00012: The date that you opened your oldest account is too recent
                                - 00013: Your most recently opened account is too new
                                - 00014: Lack of sufficient credit history
                                - 00015: Newest delinquent or derogatory payment status on your accounts is too recent
                                - 00016: The total of all balances on your open accounts is too high
                                - 00017: Balances on previously delinquent accounts are too high compared to loan amts
                                - 00018: Total of balances on accounts never late is too high compared to loan amounts
                                - 00021: No open accounts in your credit file
                                - 00022: No recently reported account information
                                - 00023: Lack of sufficient relevant account information
                                - 00029: Too many of your open bankcard or revolving accounts have a balance
                                - 00030: Too few of your bankcard or other revolving accounts have high limits
                                - 00031: Too many bankcard or other revolving accounts were opened recently
                                - 00032: Balances on bankcard or revolving accounts too high compared to credit limits
                                - 00033: Your worst bankcard or revolving account status is delinquent or derogatory
                                - 00034: Total of all balances on bankcard or revolving accounts is too high
                                - 00035: Your highest bankcard or revolving account balance is too high
                                - 00036: Your largest credit limit on open bankcard or revolving accounts is too low
                                - 00039: Available credit on your open bankcard or revolving accounts is too low
                                - 00040: The date you opened your oldest bankcard or revolving account is too recent
                                - 00042: The date you opened your newest bankcard or revolving account is too recent
                                - 00043: Lack of sufficient credit history on bankcard or revolving accounts
                                - 00044: Too many bankcard or revolving accounts with delinquent or derogatory status
                                - 00045: Total balances too high on delinquent/derogatory bankcard or revolving accts
                                - 00047: No open bankcard or revolving accounts in your credit file
                                - 00048: No bankcard or revolving recently reported account information
                                - 00049: Lack of sufficient relevant bankcard or revolving account information
                                - 00053: The worst status on your real estate accounts is delinquent or derogatory
                                - 00054: The amount of balance paid down on your open real estate accounts is too low
                                - 00055: Open real estate account balances are too high compared to their loan amounts
                                - 00057: Too many real estate accounts with delinquent or derogatory payment status
                                - 00058: The total of all balances on your open real estate accounts is too high
                                - 00061: No open real estate accounts in your credit file
                                - 00062: No recently reported real estate account information
                                - 00063: Lack of sufficient relevant real estate account information
                                - 00064: No open first mortgage accounts in your credit file
                                - 00065: Lack of sufficient relevant first mortgage account information
                                - 00066: Your open auto account balances are too high compared to their loan amounts
                                - 00068: No open auto accounts in your credit file
                                - 00069: Lack of sufficient relevant auto account information
                                - 00071: You have either very few installment loans or too many with delinquencies
                                - 00072: Too many installment accounts with a delinquent or derogatory payment status
                                - 00073: The worst status on your installment accounts is delinquent or derogatory
                                - 00074: The balance amount paid down on your open installment accounts is too low
                                - 00075: The installment account that you opened most recently is too new
                                - 00076: You have insufficient credit history on installment loans
                                - 00077: Newest delinquent or derogatory status on installment accounts is too recent
                                - 00078: Balances on installment accounts are too high compared to their loan amounts
                                - 00079: Too many of the delinquencies on your installment accounts are recent
                                - 00081: No open installment accounts in your credit file
                                - 00083: Lack of sufficient relevant installment account information
                                - 00084: The number of inquiries was also a factor, but effect was not significant
                                - 00085: You have too many inquiries on your credit report.
                                - 00086: Your credit report contains too many derogatory public records
                                - 00087: Your credit report contains too many unsatisfied public records
                                - 00088: One or more derogatory public records in your credit file is too recent
                                - 00090: Too few discharged bankruptcies
                                - 00093: The worst status on your student loan accounts is delinquent or derogatory
                                - 00094: The balance amount paid down on your open student loan accounts is too low
                                - 00095: You have too many collection agency accounts that are unpaid
                                - 00096: The total you owe on collection agency accounts is high
                                - 00097: You have too few credit accounts
                                - 00098: There is a bankruptcy on your credit report
                                
                              Score Reason corresponding to Model Number 05151
                                - 00004: Los saldos de cuentas son altos comparados con limites de prestamos
                                - 00005: Hay demasiadas cuentas atrasadas recientes
                                - 00006: Ha abierto demasiadas cuentas recientemente
                                - 00007: Tiene demasiadas cuentas atrasadas o con credito negativo
                                - 00008: Tiene muy pocos o demasiados prestamos con pagos atrasados recientes
                                - 00009: El peor estado de pago de cuentas esta atrasado o es negativo
                                - 00010: Tiene muy pocos o demasiados prestamos con pagos atrasados
                                - 00011: Total alto de saldos de cuentas atrasadas o con credito negativo
                                - 00012: La fecha en que abrio la cuenta con mayor tiempo es muy reciente
                                - 00013: La ultima cuenta que abrio es demasiado reciente
                                - 00014: No hay suficiente historial de credito
                                - 00015: El ultimo estado de pago de cuentas atrasado o negativo es muy reciente
                                - 00016: El total de todos los saldos de las cuentas abiertas es muy alto
                                - 00017: Saldos altos de cuentas anteriormente atrasadas comparados con prestamos
                                - 00018: Total alto de saldos de cuentas nunca atrasadas comparado con prestamos
                                - 00021: No hay cuentas abiertas en su historial de credito
                                - 00022: No se ha reportado ninguna informacion de cuentas recientemente
                                - 00023: No hay suficiente informacion relevante de cuentas
                                - 00029: Demasiadas tarjetas bancarias o cuentas renovables abiertas con saldo
                                - 00030: Pocas tarjetas bancarias u otras cuentas renovables con limites altos
                                - 00031: Abrio demasiadas tarjetas bancarias o cuentas renovables recientemente
                                - 00032: Saldos altos de tarjetas o cuentas comparados con limites de credito
                                - 00033: El peor estado de tarjeta o cuenta renovable esta atrasado o es negativo
                                - 00034: Total alto de saldos de tarjetas bancarias o cuentas renovables
                                - 00035: Saldo mas alto de tarjetas bancarias o cuentas renovables es muy alto
                                - 00036: Limite de credito mas alto de tarjetas o cuentas abiertas es bajo
                                - 00039: Credito disponible de tarjetas o cuentas renovables abiertas es muy bajo
                                - 00040: Fecha en que abrio la tarjeta o cuenta con mayor tiempo es muy reciente
                                - 00042: Fecha en que abrio la ultima tarjeta o cuenta renovable no es reciente
                                - 00043: No hay suficiente historial de credito de tarjetas o cuentas renovables
                                - 00044: Demasiadas tarjetas o cuentas renovables con estado atrasado o negativo
                                - 00045: Total alto de saldos en tarjetas o cuentas atrasadas o negativas
                                - 00047: No hay tarjetas o cuentas renovables abiertas en historial de credito
                                - 00048: No se han reportado datos de tarjetas o cuentas renovables recientemente
                                - 00049: No hay informacion relevante de tarjetas bancarias o cuentas renovables
                                - 00053: El peor estado de cuentas de bienes raices esta atrasado o es negativo
                                - 00054: El saldo pagado en cuentas abiertas de bienes raices es muy bajo
                                - 00055: Saldos altos de cuentas de bienes raices comparados con prestamos
                                - 00057: Demasiadas cuentas de bienes raices con estado de pago atrasado o negativo
                                - 00058: El total de saldos de cuentas abiertas de bienes raices es muy alto
                                - 00061: No hay cuentas abiertas de bienes raices en su historial de credito
                                - 00062: No se han reportado datos de cuentas de bienes raices recientemente
                                - 00063: No hay informacion relevante de cuentas de bienes raices
                                - 00064: No hay cuentas abiertas de primera hipoteca en su historial de credito
                                - 00065: No hay informacion relevante de cuentas de primera hipoteca
                                - 00066: Saldos altos de cuentas abiertas de auto comparados con prestamos
                                - 00068: No hay cuentas abiertas de automovil en su historial de credito
                                - 00069: No hay informacion relevante de cuentas de automovil
                                - 00071: Tiene muy pocos o demasiados prestamos a plazos con pagos atrasados
                                - 00072: Demasiadas cuentas a plazos con estado de pago atrasado o negativo
                                - 00073: El peor estado de cuentas a plazos esta atrasado o es negativo
                                - 00074: El saldo pagado en cuentas a plazos abiertas es demasiado bajo
                                - 00075: La ultima cuenta a plazos que abrio es demasiado reciente
                                - 00076: No tiene suficiente historial de credito en prestamos a plazos
                                - 00077: El ultimo estado de cuentas a plazos atrasado o negativo es muy reciente
                                - 00078: Saldos altos de cuentas a plazos comparados con prestamos
                                - 00079: Hay demasiadas cuentas a plazos atrasadas recientes
                                - 00081: No hay cuentas a plazos abiertas en su historial de credito
                                - 00083: No hay suficiente informacion relevante de cuentas a plazos
                                - 00084: La cantidad de consultas fue un factor, pero no considerable
                                - 00085: Ha hecho demasiadas consultas en su reporte de credito.
                                - 00086: Reporte de credito con muchos registros publicos con credito negativo
                                - 00087: Reporte de credito con muchos registros publicos no pagados
                                - 00088: Por lo menos un registro publico con credito negativo es muy reciente
                                - 00090: Muy pocas bancarrotas saldadas
                                - 00093: El peor estado de prestamos de estudiante esta atrasado o es negativo
                                - 00094: El saldo pagado en cuentas de estudiante abiertas es muy bajo
                                - 00095: Demasiadas cuentas de agencias de cobro que no se han pagado
                                - 00096: El total que debe en cuentas de agencias de cobro es demasiado alto
                                - 00097: Tiene muy pocas cuentas de credito
                                - 00098: Hay una bancarrota en su reporte de credito
                                
                              Score Reason corresponding to Model Number 05151
                                - xxxxx: Income Predictor 2.0 doesn&apos;t return any reason code
                                
                              Score Reason corresponding to Model Number 02778
                                - 00030: Excessive amount owed on accounts
                                - 00031: Lack of recent account information
                                - 00032: Proportion of revolving balances to revolving credit limits is too high
                                - 00033: Lack of recent revolving account information
                                - 00034: Unfavorable amount owed on revolving accounts
                                - 00035: Delinquency date too recent
                                - 00036: Unfavorable percentage of recently opened revolving accounts to all rev accts
                                - 00037: Proportion of bank/natl rev balances to bank/natl rev credit limits too high
                                - 00038: Lack of recent bank or national revolving account information
                                - 00039: Insufficient length of time bank or national revolving accounts established
                                - 00040: Excessive amount owed on auto finance accounts
                                - 00051: Excessive or unknown amount owed on accounts
                                - 00055: Too many consumer finance company accounts
                                - 00056: Too many recent credit checks
                                - 00057: Too many new accounts
                                - 00058: Proportion of revolving balances to revolving credit limits is too high or there are no revolving credit accounts
                                - 00059: Unfavorable or unknown amount owed on revolving credit accounts
                                - 00061: Delinquency date too recent or date unknown
                                - 00062: Insufficient length of time of credit history
                                - 00063: Accounts currently or in the past delinquent
                                - 00067: Presence of collection account
                                - 00070: Insufficient length of time since most recent account established
                                - 00071: Unfavorable number of installments loan accounts
                                - 00083: Unfavorable number of accounts
                                - 00084: Unfavorable length of time since most recent retail account opened
                                - 00088: Presence of adverse public records
                                - 00089: Unfavorable number of accounts currently paid as agreed
                                - 00092: Unfavorable percentage of retail accounts with balances to all retail accounts
                                - 00093: Unfavorable percentage of recently opened revolving accounts to all revolving accounts or there are no revolving accounts
                                - 00094: Proportion of bank or national revolving balances to bank or national revolving credit limits is too high or there are no bank or national revolving accounts
                                - 00095: Insufficient length of time bank or national revolving accounts established or none present
                                - 00096: Unfavorable percentage of recently opened revolving accounts with balances to all revolving accounts with balances
                                - 00097: Excessive or unknown amount owed on auto finance accounts
                                - 00098: Relationship of installment loan balances to amounts
                                
                              Score Reason corresponding to Model Number 02779
                                - 00030: Excessive amount owed on accounts
                                - 00031: Lack of recent account information
                                - 00032: Proportion of revolving balances to revolving credit limits is too high
                                - 00033: Lack of recent revolving account information
                                - 00034: Unfavorable amount owed on revolving accounts
                                - 00035: Delinquency date too recent
                                - 00036: Unfavorable percentage of recently opened revolving accounts to all rev accts
                                - 00037: Proportion of bank/natl rev balances to bank/natl rev credit limits too high
                                - 00038: Lack of recent bank or national revolving account information
                                - 00039: Insufficient length of time bank or national revolving accounts established
                                - 00040: Excessive amount owed on auto finance accounts
                                - 00051: Excessive or unknown amount owed on accounts
                                - 00055: Too many consumer finance company accounts
                                - 00056: Too many recent credit checks
                                - 00057: Too many new accounts
                                - 00058: Proportion of revolving balances to revolving credit limits is too high or there are no revolving credit accounts
                                - 00059: Unfavorable or unknown amount owed on revolving credit accounts
                                - 00061: Delinquency date too recent or date unknown
                                - 00062: Insufficient length of time of credit history
                                - 00063: Accounts currently or in the past delinquent
                                - 00067: Presence of collection account
                                - 00070: Insufficient length of time since most recent account established
                                - 00071: Unfavorable number of installments loan accounts
                                - 00083: Unfavorable number of accounts
                                - 00084: Unfavorable length of time since most recent retail account opened
                                - 00088: Presence of adverse public records
                                - 00089: Unfavorable number of accounts currently paid as agreed
                                - 00092: Unfavorable percentage of retail accounts with balances to all retail accounts
                                - 00093: Unfavorable percentage of recently opened revolving accounts to all revolving accounts or there are no revolving accounts
                                - 00094: Proportion of bank or national revolving balances to bank or national revolving credit limits is too high or there are no bank or national revolving accounts
                                - 00095: Insufficient length of time bank or national revolving accounts established or none present
                                - 00096: Unfavorable percentage of recently opened revolving accounts with balances to all revolving accounts with balances
                                - 00097: Excessive or unknown amount owed on auto finance accounts
                                - 00098: Relationship of installment loan balances to amounts
                                
                              Score Reason corresponding to Model Number 05236
                                - 27: Percent of Revolving Accounts Satisfactory
                                - 28: Percent of Revolving Accounts With Major Derogatory Event
                                - 30: Percent of Accounts 120+ Days Delinquent
                                - 31: Percent of Accounts 60+ Days Delinquent
                                - 33: Percent of Accounts Bankcard
                                - 36: Percent of Accounts Installment
                                - 37: Percent of Accounts Opened Recently
                                - 39: Percent of Accounts Revolving
                                - 40: Percent of Accounts Satisfactory
                                - 49: 30 Days Delinquency Occurrences On Bankcard Accounts
                                - 68: Age of Bankcard Accounts
                                - 71: Age of Installment Accounts
                                - 75: Age of Revolving Account Activity
                                - 78: Age of Tax Lien
                                - 79: Age of Account Activity
                                - 80: Age of Accounts
                                - 83: Bankcard High Credit
                                - 95: Number of Auto Accounts With Major Derogatory Event
                                - 96: Number of Bankcard Accounts
                                - 104: Number of Bankcard Accounts Less Than 60 Days Delinquent
                                - 107: Number of Bankcard Accounts With High Utilization
                                - 109: Number of Collections 
                                - 123: Number Of Inquiries
                                - 124: Number Of Installment Accounts
                                - 125: Number Of Installment Accounts 120+ Days Delinquent
                                - 126: Number Of Installment Accounts 120-180 Or More Days Delinquent
                                - 133: Number of Installment Accounts Opened Recently
                                - 135: Number of Installment Accounts With High Balance Outstanding
                                - 136: Number of Installment Accounts With Major Derogatory Event
                                - 144: Number of Open Mortgage Accounts
                                - 149: Number of Open Accounts
                                - 154: Number of Recent Inquiries
                                - 164: Number of Retail Accounts With High Utilization 
                                - 166: Number of Revolving Accounts
                                - 174: Number of Revolving Accounts Less Than 60 Days Delinquent
                                - 190: Number of Satisfactory Accounts
                                - 191: Number of Accounts
                                - 198: Number of Accounts Less Than 60 Days Delinquent
                                - 199: Number of Accounts Opened Recently
                                - 200: Number of Accounts Past Due
                                - 203: Occurrence of Severe Derogatory Event
                                - 208: Total Amount Past Due For Bankcard Accounts
                                - 219: Total Balance On Personal Finance or Student Loan Accounts
                                - 224: Total Collection Amount
                                - 287: Insufficient Information On Credit History
                                - 290: Insufficient Information On or Lack of Bankcard Accounts
                                - 292: Insufficient Information On or Lack of Department Store Accounts
                                - 293: Insufficient Information On or Lack of Installment Accounts
                                - 296: Insufficient Information On or Lack of Retail Accounts
                                - 297: Insufficient Information On or Lack of Revolving Accounts
                                - 299: Insufficient Information On or Lack of Accounts
                                - 301: Number of Recent Utility Inquiries
                                - 302: Number of Utility Inquiries
                                - 303: Number of Recent Non-Utility Inquiries
                                - 305: Number of Auto Accounts
                                - 315: 60+ Days Delinquency Occurrences On Bankcard Accounts
                                - 317: 60+ Days Delinquency Occurrences On Installment Accounts
                                - 322: Number Of Retail Accounts Past Due
                                - 327: Length Of Credit History
                                - 330: Percent Of Utility Inquiries Posted Recently
                                - 331: Percent of Non-Utility Inquiries Posted Recently
                                - A05: Average of open balances on NCTUE non-derogatory accounts in last 12 months
                                - A14: Number of Months since the latest NCTUE involuntary disconnection
                                - A16: Number of NCTUE satisfactory occurrences reported in the last 12 months
                                - A26: # of NCTUE 60+ days past due or derogatory accounts reported in last 12 months
                                - A31: % of NCTUE accounts in last 6 month reported 30 days past due
                                - A34: Number of Months since latest NCTUE 90+ days past due reported in last 24 months
                                - C18: Insufficient information on recently reported NCTUE account balances
                                - G93: Not enough information on NCTUE paid-closed accounts 
                                - Y15: Number of NCTUE accounts connected in the last 24 months
                                - Y24: Number of NCTUE accounts connected in the last 3 months
                                - Y29: Months since latest 30+ days past due reported within 24 months on NCTUE
                                - Y33: Total of latest balances for NCTUE accounts reported in the last 2 months
                                - Y41: Number of times 60 days past due was reported in the last 6 months on NCTUE
                                - Y44: Months since the latest NCTUE charge-off reported in the last 24 months
                                - Y46: Average number of months since NCTUE connections
                                - Y47: Not enough information on latest balances reported on NCTUE
                                - Y49: Not enough information on connections of NCTUE accounts
                                - Y56: Not enough information on paid-as-agreed NCTUE accounts
                                - Y58: Worst NCTUE delinquency or derogatory reported in the last 6 months
                                - Y72: Months since latest NCTUE 60+ days past due reported in last 24 months
                                - Y74: Months since connection of oldest paid-as-agreed NCTUE account
                                - Y91: Not enough information on NCTUE accounts reported in the last 6 months 
                                - Y92: Not enough information on NCTUE accounts reported in the last 12 months 
                                - 802: The input SSN is reported as deceased
                                - 803: The input SSN was issued prior to the input date-of-birth
                                - 804: The input last name and SSN are verified, but not with the input address and phone
                                - 806: The input SSN is invalid
                                - 807: The input phone number may be disconnected
                                - 808: The input phone number is potentially invalid
                                - 809: The input phone number is a pager number
                                - 810: The input phone number is a mobile number
                                - 811: The input address may be invalid according to postal specifications
                                - 812: The input zip code belongs to a post office box
                                - 813: The input address has an invalid apartment designation
                                - 814: The input address is a transient commercial or institutional address
                                - 815: The input phone number matches a transient commercial or institutional address
                                - 816: The input phone number and input zip code combination is invalid
                                - 819: Unable to verify name, address, SSN/TIN and phone
                                - 820: Unable to verify applicant name, address and phone number
                                - 822: Unable to verify applicant name and address
                                - 823: Unable to verify applicant name and SSN
                                - 824: Unable to verify applicant address and SSN
                                - 825: Unable to verify address
                                - 826: Unable to verify SSN/TIN
                                - 827: Unable to verify phone number
                                - 828: Unable to verify date-of-birth
                                - 829: The input SSN/TIN may have been miskeyed
                                - 830: The input address may have been miskeyed
                                - 831: The input phone number may have been miskeyed
                                - 835: Insufficient verification to return a score under CA law
                                - 836: Identity elements not fully verified on all available sources
                                - 837: Unable to verify name
                                - 841: The input driver&apos;s license number is invalid for the input DL state
                                - 845: The input SSN and address are not associated with the input last name and phone
                                - 848: Unable to verify first name
                                - 849: The input phone and address are geographically distant (> 10 miles)
                                - 850: The input address matches a prison address
                                - 851: The input last name is not associated with the input SSN
                                - 852: The input first name is not associated with input SSN
                                - 871: The input SSN is not found in the public record
                                - 872: The input SSN is associated with a different name and address
                                - 873: The input phone number is not found in the public record
                                - 874: The input phone number is associated with a different name and address
                                - 877: The input name was missing
                                - 878: The input address was missing
                                - 879: The input SSN/TIN was missing or incomplete
                                - 880: The input phone was missing or incomplete
                                - 881: The input date-of-birth was missing or incomplete
                                - 882: The input name and address return a different phone number
                                - 883: The input date-of-birth may have been miskeyed
                                - 891: Security Freeze (CRA corrections database)
                                - 892: Security Alert (CRA corrections database)
                                - 893: Identity Theft Alert (CRA corrections database)
                                - 894: Dispute On File (CRA corrections database)
                                - 895: Subject has opted out of prescreen offers
                                - 897: Criminal record found
                                - 898: Lien/Judgment record found
                                - 899: The input address is verified but may not be primary residence
                                - 89A: No evidence of property ownership
                                - 89B: Evidence of historical property ownership but no current record
                                - 89C: Length of residence
                                - 89D: Change of address frequency
                                - 89E: Number of sources confirming identity and current address
                                - 89F: Date of confirming source update
                                - 89G: Insufficient Age
                                - 89H: Evidence of sub-prime credit services solicited
                                - 89I: No evidence of post-secondary education
                                - 89J: Age of Oldest Public Record on file
                                - 89K: Address dwelling type
                                - 89L: Distance between the current and previous address
                                - 89M: Insufficient evidence of wealth
                                - 89N: Correctional institution in address history
                                - 89O: No evidence of phone service at address
                                - 89P: Number of consumer finance inquiries
                                - 89Q: Number of inquiries in the last 12 months
                                - 89R: Length of time on sources confirming identity
                                - 89S: Type of mortgage
                                - 89T: Input phone is invalid, non-residential, or disconnected
                                - 89U: Input address is invalid, non-residential, or undeliverable
                                - 89V: Input SSN is invalid, recently issued, or inconsistent with date of birth
                                - 89W: Bankruptcy record on file
                                - 89X: Insufficient information on file
                                - 89Y: Insufficient purchase activity reported
                                - 8EV: Eviction record found
                                - 8MI: Multiple identities associated with the input SSN
                                - 8MN: The input SSN was issued within the last seventeen years
                                - 8MS: Multiple SSNs reported with applicant
                                - 8PV: Insufficient property value
                                - P01: No usable Public Record data
                                - P02: No usable Credit data
                                - 991: Number of open accounts and total collection amount
                                - 992: Insufficient information or number of open accounts
                                - 993: Insufficient information or number of open accounts or total collection amount
                                
                              Score Reason corresponding to Model Number 05168
                                - 00801: Important Application Data Missing
                                - 00802: The input SSN is reported as deceased
                                - 00803: The input SSN was issued prior to the input Date of Birth
                                - 00804: The input Last Name and SSN are verified= but not with the input Address and Phone
                                - 00806: The input SSN is invalid
                                - 00807: The input phone number may be disconnected
                                - 00808: The input phone number is potentially invalid
                                - 00809: The input phone number is a pager number
                                - 00810: The input phone number is a mobile number
                                - 00811: The input address may be invalid according to postal specifications
                                - 00812: The input zip code belongs to a post office box
                                - 00813: The input address has an invalid apartment designation
                                - 00814: The input address is a transient commercial or institutional address
                                - 00815: The input phone number matches a transient commercial or institutional address
                                - 00816: The input phone number and input zip code combination is invalid
                                - 00819: Unable to verify name, address, SSN/TIN and phone
                                - 00820: Unable to verify applicant name, address and phone number
                                - 00821: Unable to verify applicant name and phone number
                                - 00822: Unable to verify applicant name and address
                                - 00823: Unable to verify applicant name and SSN
                                - 00824: Unable to verify applicant address and SSN
                                - 00825: Unable to verify applicant address
                                - 00826: Unable to verify SSN / TIN
                                - 00827: Unable to verify applicant phone number
                                - 00828: Unable to verify applicant date-of-birth
                                - 00829: The input SSN/TIN may have been miskeyed
                                - 00830: The input address may have been miskeyed
                                - 00831: The input phone number may have been miskeyed
                                - 00832: The input name matches the OFAC file
                                - 00835: Insufficient verification to return a score under CA law
                                - 00836: Identity elements not fully verified on all available sources
                                - 00837: Unable to verify applicant name
                                - 00838: The input SSN is associated with multiple last names
                                - 00839: The input SSN is recently issued
                                - 00842: The input SSN matches the bankruptcy file
                                - 00843: The input name and address match the bankruptcy file
                                - 00845: The input SSN and address are not associated with the input last name and phone
                                - 00848: Unable to verify first name
                                - 00849: The input phone and address are geographically distant (> 10 miles)
                                - 00850: The input address matches a prison address
                                - 00851: The input last name is not associated with the input SSN
                                - 00852: The input first name is not associated with input SSN
                                - 00871: The input SSN is not found in the public record
                                - 00872: The input SSN is associated with a different name and address
                                - 00873: The input phone number is not found in the public record
                                - 00874: The input phone number is associated with a different name and address
                                - 00877: The input name was missing
                                - 00878: The input address was missing
                                - 00879: The input SSN/TIN was missing or incomplete
                                - 00880: The input phone was missing or incomplete
                                - 00881: The input date-of-birth was missing or incomplete
                                - 00882: The input name and address return a different phone number
                                - 00883: The input date-of-birth may have been miskeyed
                                - 00889: The input SSN was issued within the last three years
                                - 00890: The input SSN was issued after age five (post-1990)
                                - 00891: Security Freeze (CRA corrections database)
                                - 00892: Security Alert (CRA corrections database)
                                - 00893: Identity Theft Alert (CRA corrections database)
                                - 00894: Dispute On File (CRA corrections database)
                                - 00895: Unused - For Future Use
                                - 00896: Corrections Database Information Utilized (CRA corrections database)
                                - 00897: Criminal record found
                                - 00898: Lien / Judgment record found
                                - 00899: The input address is verified but may not be primary residence
                                - 0089A: No evidence of property ownership
                                - 0089B: Evidence of historical property ownership but no current record
                                - 0089C: Length of residence
                                - 0089D: Change of address frequency
                                - 0089E: Number of sources confirming identity and current address
                                - 0089F: Date of confirming source update
                                - 0089G: Insufficient Age
                                - 008IA: The input IP address is unknown
                                - 0089H: Evidence of sub-price credit services solicited
                                - 0089I: No evidence of post-secondary education
                                - 0089J: Age of oldest public record on file
                                - 008EV: Eviction record found
                                - 008MI: Multiple identities associated with the input SSN
                                - 008MN: The input SSN was issued within the last seventeen years
                                - 008MS: Multiple SSNs reported with applicant
                                - 008PV: Insufficient property value
                                - 0089K: Address dwelling type
                                - 0089L: Distance between the current and previous address
                                - 0089M: Insufficient evidence of wealth
                                - 0089N: Correctional institution in address history
                                - 0089O: No evidence of phone service at address
                                - 0089P: Number of consumer finance inquiries
                                - 0089Q: Number of inquiries in the last 12 months
                                - 0089R: Length of time on sources confirming identity
                                - 0089S: Type of mortgage
                                - 0089T: Input phone is invalid, non-residential, or disconnected
                                - 0089U: Input address is invalid, non-residential, or undeliverable
                                - 0089V: Input SSN is invalid, recently issued, or inconsistent with date of birth
                                - 0089W: Bankruptcy record on file
                                - 0089X: Insufficient information on file
                                - 0089Y: Insufficient purchase activity reported
                                
                              Score Reason corresponding to Model Number 05271
                                - 00016: Percent of Open Bankcard Accounts
                                - 00035: Percent of Accounts Department Store
                                - 00037: Percent of Accounts Opened Recently
                                - 00038: Percent of Accounts Retail
                                - 00040: Percent of Accounts Satisfactory
                                - 00068: Age of Bankcard Accounts
                                - 00070: Age of Installment Account Activity
                                - 00071: Age of Installment Accounts
                                - 00075: Age of Revolving Account Activity
                                - 00076: Age of Revolving Accounts
                                - 00079: Age of Account Activity
                                - 00083: Bankcard High Credit
                                - 00087: Installment High Credit
                                - 00095: Number of Auto Accounts With Major Derogatory Event
                                - 00096: Number of Bankcard Accounts
                                - 00106: Number of Bankcard Accounts With Balance
                                - 00107: Number of Bankcard Accounts With High Utilization
                                - 00123: Number of Inquiries
                                - 00133: Number of Installment Accounts Opened Recently
                                - 00144: Number of Open Mortgage Accounts
                                - 00147: Number of Open Revolving Accounts
                                - 00154: Number of Recent Inquiries
                                - 00174: Number of Revolving Accounts Less Than 60 Days Delinquent
                                - 00175: Number of Revolving Accounts Opened Recently
                                - 00187: Number of Satisfactory Installment Accounts
                                - 00199: Number of Accounts Opened Recently
                                - 00200: Number of Accounts Past Due
                                - 00203: Occurrence of Severe Derogatory Event
                                - 00205: Revolving High Credit
                                - 00206: Revolving Utilization
                                - 00207: Total Amount Past Due For Accounts 
                                - 00213: Total Balance On Auto Accounts
                                - 00217: Total Balance On Installment Accounts
                                - 00223: Total Balance On Accounts
                                - 00287: Insufficient Information On Credit History
                                - 00289: Insufficient Information On or Lack of Auto Accounts
                                - 00290: Insufficient Information On or Lack of Bankcard Accounts
                                - 00292: Insufficient Information On or Lack of Department Store Accounts
                                - 00293: Insufficient Information On or Lack of Installment Accounts
                                - 00297: Insufficient Information On or Lack of Revolving Accounts
                                - 00299: Insufficient Information On or Lack of Accounts
                                - 00303: Number of Recent Non-Utility Inquiries
                                - 00308: Number of Mortgage Accounts
                                - 00314: 60+ Days Delinquency Occurrences
                                - 00327: Length of Credit History
                                - 00351: Number of Unpaid Collections
                                - 00352: Total Unpaid Collection Amount
                                - 00672: 30+ Days Delinquency Occurrences
                                - 00690: Number of Accounts 30+ Days Delinquent
                                
                              Score Reason corresponding to Model Number 05274
                                - 16: Percent of Open Bankcard Accounts
                                - 35: Percent of Accounts Department Store   
                                - 37: Percent of Accounts Opened Recently
                                - 38: Percent of Accounts Retail
                                - 40: Percent of Accounts Satisfactory
                                - 68: Age of Bankcard Accounts
                                - 70: Age of Installment Account Activity
                                - 71: Age of Installment Accounts
                                - 75: Age of Revolving Account Activity
                                - 76: Age of Revolving Accounts
                                - 79: Age of Account Activity
                                - 83: Bankcard High Credit
                                - 87: Installment High Credit
                                - 95: Number of Auto Accounts With Major Derogatory Event
                                - 96: Number of Bankcard Accounts
                                - 106: Number of Bankcard Accounts With Balance
                                - 107: Number of Bankcard Accounts With High Utilization
                                - 123: Number of Inquiries
                                - 133: Number of Installment Accounts Opened Recently
                                - 144: Number of Open Mortgage Accounts
                                - 147: Number of Open Revolving Accounts
                                - 154: Number of Recent Inquiries
                                - 174: Number of Revolving Accounts Less Than 60 Days Delinquent
                                - 175: Number of Revolving Accounts Opened Recently
                                - 187: Number of Satisfactory Installment Accounts
                                - 199: Number of Accounts Opened Recently
                                - 200: Number of Accounts Past Due
                                - 203: Occurrence of Severe Derogatory Event
                                - 205: Revolving High Credit
                                - 206: Revolving Utilization
                                - 207: Total Amount Past Due For Accounts 
                                - 213: Total Balance On Auto Accounts
                                - 217: Total Balance On Installment Accounts
                                - 223: Total Balance On Accounts
                                - 287: Insufficient Information On Credit History
                                - 289: Insufficient Information On or Lack of Auto Accounts
                                - 290: Insufficient Information On or Lack of Bankcard Accounts
                                - 292: Insufficient Information On or Lack of Department Store Accounts
                                - 293: Insufficient Information On or Lack of Installment Accounts
                                - 297: Insufficient Information On or Lack of Revolving Accounts
                                - 299: Insufficient Information On or Lack of Accounts
                                - 303: Number of Recent Non-Utility Inquiries
                                - 308: Number of Mortgage Accounts
                                - 314: 60+ Days Delinquency Occurrences
                                - 327: Length of Credit History
                                - 351: Number of Unpaid Collections
                                - 352: Total Unpaid Collection Amount
                                - 672: 30+ Days Delinquency Occurrences
                                - 690: Number of Accounts 30+ Days Delinquent
                                - A13: Number of NCTUE accounts involuntary disconnected in the last 48 months
                                - A15: Number of Months since the latest NCTUE voluntary disconnection
                                - A16: Number of NCTUE satisfactory occurrences reported in the last 12 months
                                - A45: Number of NCTUE accounts connected in the last 36 months
                                - A59: Months since latest NCTUE paid-closed account reported in the last 24 months
                                - G91: Not enough information on NCTUE voluntary disconnections
                                - G92: Not enough information on NCTUE accounts reported in last 6 months
                                - G93: Not enough information on paid-closed NCTUE accounts
                                - G94: Not enough information on balances reported in the last 3 months on NCTUE
                                - G95: Not enough information on NCTUE account disconnections
                                - X01: Avg Number of NCTUE satisfactory occurrences reported in the last 12 months
                                - Y14: Number of NCTUE accounts connected in the last 12 months
                                - Y15: Number of NCTUE accounts connected in the last 24 months
                                - Y26: Age of oldest NCTUE connection
                                - Y28: Months since the latest paid-as-agreed reported within 24 months on NCTUE
                                - Y36: Highest balance of NCTUE open accounts in the last 6 months
                                - Y37: Highest NCTUE balance reported in the last 6 months
                                - Y38: Total of latest payments made reported in the last 2 months
                                - Y45: Total charge-off amount on NCTUE accounts reported in the last 6 months
                                - Y46: Average number of months since NCTUE connections
                                - Y48: Not enough information on latest payments on NCTUE
                                - Y50: Not enough information on balances reported in the last 6 months on NCTUE
                                - Y53: Not enough information on NCTUE connections
                                - Y56: Not enough information on paid-as-agreed NCTUE accounts
                                - Y61: Highest balance of NCTUE open accounts in the last 3 months
                                - Y67: Months since the latest NCTUE account disconnection
                                - Y72: Months since latest NCTUE 60+ days past due reported in last 24 months
                                - Y74: Months since connection of oldest paid-as-agreed NCTUE account
                                - A14: Number of months Months since the latest NCTUE involuntary disconnection
                                - 802: The input SSN is reported as deceased
                                - 803: The input SSN was issued prior to the input date-of-birth
                                - 804: The input last name and SSN are verified, but not with the input address and phone
                                - 806: The input SSN is invalid
                                - 807: The input phone number may be disconnected
                                - 808: The input phone number is potentially invalid
                                - 809: The input phone number is a pager number
                                - 810: The input phone number is a mobile number
                                - 811: The input address may be invalid according to postal specifications
                                - 812: The input zip code belongs to a post office box
                                - 813: The input address has an invalid apartment designation
                                - 814: The input address is a transient commercial or institutional address
                                - 815: The input phone number matches a transient commercial or institutional address
                                - 816: The input phone number and input zip code combination is invalid
                                - 819: Unable to verify name, address, SSN/TIN and phone
                                - 820: Unable to verify applicant name, address and phone number
                                - 822: Unable to verify applicant name and address
                                - 823: Unable to verify applicant name and SSN
                                - 824: Unable to verify applicant address and SSN
                                - 825: Unable to verify address
                                - 826: Unable to verify SSN/TIN
                                - 827: Unable to verify phone number
                                - 828: Unable to verify date-of-birth
                                - 829: The input SSN/TIN may have been miskeyed
                                - 830: The input address may have been miskeyed
                                - 831: The input phone number may have been miskeyed
                                - 835: Insufficient verification to return a score under CA law
                                - 836: Identity elements not fully verified on all available sources
                                - 837: Unable to verify name
                                - 841: The input driver&apos;s license number is invalid for the input DL state
                                - 845: The input SSN and address are not associated with the input last name and phone
                                - 848: Unable to verify first name
                                - 849: The input phone and address are geographically distant (> 10 miles)
                                - 850: The input address matches a prison address
                                - 851: The input last name is not associated with the input SSN
                                - 852: The input first name is not associated with input SSN
                                - 871: The input SSN is not found in the public record
                                - 872: The input SSN is associated with a different name and address
                                - 873: The input phone number is not found in the public record
                                - 874: The input phone number is associated with a different name and address
                                - 877: The input name was missing
                                - 878: The input address was missing
                                - 879: The input SSN/TIN was missing or incomplete
                                - 880: The input phone was missing or incomplete
                                - 881: The input date-of-birth was missing or incomplete
                                - 882: The input name and address return a different phone number
                                - 883: The input date-of-birth may have been miskeyed
                                - 891: Security Freeze (CRA corrections database)
                                - 892: Security Alert (CRA corrections database)
                                - 893: Identity Theft Alert (CRA corrections database)
                                - 894: Dispute On File (CRA corrections database)
                                - 895: Subject has opted out of prescreen offers
                                - 897: Criminal record found
                                - 898: Lien/Judgment record found
                                - 899: The input address is verified but may not be primary residence
                                - 89A: No evidence of property ownership
                                - 89B: Evidence of historical property ownership but no current record
                                - 89C: Length of residence
                                - 89D: Change of address frequency
                                - 89E: Number of sources confirming identity and current address
                                - 89F: Date of confirming source update
                                - 89G: Insufficient Age
                                - 89H: Evidence of sub-prime credit services solicited
                                - 89I: No evidence of post-secondary education
                                - 89J: Age of Oldest Public Record on file
                                - 89K: Address dwelling type
                                - 89L: Distance between the current and previous address
                                - 89M: Insufficient evidence of wealth
                                - 89N: Correctional institution in address history
                                - 89O: No evidence of phone service at address
                                - 89P: Number of consumer finance inquiries
                                - 89Q: Number of inquiries in the last 12 months
                                - 89R: Length of time on sources confirming identity
                                - 89S: Type of mortgage
                                - 89T: Input phone is invalid, non-residential, or disconnected
                                - 89U: Input address is invalid, non-residential, or undeliverable
                                - 89V: Input SSN is invalid, recently issued, or inconsistent with date of birth
                                - 89W: Bankruptcy record on file
                                - 89X: Insufficient information on file
                                - 89Y: Insufficient purchase activity reported
                                - 8EV: Eviction record found
                                - 8MI: Multiple identities associated with the input SSN
                                - 8MN: The input SSN was issued within the last seventeen years
                                - 8MS: Multiple SSNs reported with applicant
                                - 8PV: Insufficient property value
                                - P01: No usable Public Record data
                                - P02: No usable Credit data
                                - P03: No usable NCTUE data
                              
                              Score Reason corresponding to Model Number 05285
                              
                                - 00027: Percent of Revolving Accounts Satisfactory
                                - 00028: Percent of Revolving Accounts With Major Derogatory Event
                                - 00030: Percent of Accounts 120+ Days Delinquent
                                - 00031: Percent of Accounts 60+ Days Delinquent
                                - 00033: Percent of Accounts Bankcard
                                - 00036: Percent of Accounts Installment
                                - 00037: Percent of Accounts Opened Recently
                                - 00039: Percent of Accounts Revolving
                                - 00040: Percent of Accounts Satisfactory
                                - 00049: 30 Days Delinquency Occurrences On Bankcard Accounts
                                - 00068: Age of Bankcard Accounts
                                - 00071: Age of Installment Accounts
                                - 00075: Age of Revolving Account Activity
                                - 00078: Age of Tax Lien
                                - 00079: Age of Account Activity
                                - 00080: Age of Accounts
                                - 00083: Bankcard High Credit
                                - 00095: Number of Auto Accounts With Major Derogatory Event
                                - 00096: Number of Bankcard Accounts
                                - 00104: Number of Bankcard Accounts Less Than 60 Days Delinquent
                                - 00107: Number of Bankcard Accounts With High Utilization
                                - 00109: Number of Collections
                                - 00123: Number Of Inquiries
                                - 00124: Number Of Installment Accounts
                                - 00125: Number Of Installment Accounts 120+ Days Delinquent
                                - 00126: Number Of Installment Accounts 120-180 Or More Days Delinquent
                                - 00133: Number of Installment Accounts Opened Recently
                                - 00135: Number of Installment Accounts With High Balance Outstanding
                                - 00136: Number of Installment Accounts With Major Derogatory Event
                                - 00144: Number of Open Mortgage Accounts
                                - 00154: Number of Recent Inquiries
                                - 00164: Number of Retail Accounts With High Utilization 
                                - 00166: Number of Revolving Accounts
                                - 00174: Number of Revolving Accounts Less Than 60 Days Delinquent
                                - 00190: Number of Satisfactory Accounts
                                - 00191: Number of Accounts
                                - 00198: Number of Accounts Less Than 60 Days Delinquent
                                - 00199: Number of Accounts Opened Recently
                                - 00200: Number of Accounts Past Due
                                - 00203: Occurrence of Severe Derogatory Event
                                - 00208: Total Amount Past Due For Bankcard Accounts
                                - 00219: Total Balance On Personal Finance or Student Loan Accounts
                                - 00224: Total Collection Amount
                                - 00287: Insufficient Information On Credit History
                                - 00290: Insufficient Information On or Lack of Bankcard Accounts
                                - 00292: Insufficient Information On or Lack of Department Store Accounts
                                - 00293: Insufficient Information On or Lack of Installment Accounts
                                - 00296: Insufficient Information On or Lack of Retail Accounts
                                - 00297: Insufficient Information On or Lack of Revolving Accounts
                                - 00298: Insufficient Information On or Lack of Sales Finance Accounts
                                - 00299: Insufficient Information On or Lack of Accounts
                                - 00301: Number of Recent Utility Inquiries
                                - 00302: Number of Utility Inquiries
                                - 00303: Number of Recent Non-Utility Inquiries
                                - 00305: Number of Auto Accounts
                                - 00315: 60+ Days Delinquency Occurrences On Bankcard Accounts
                                - 00317: 60+ Days Delinquency Occurrences On Installment Accounts
                                - 00322: Number Of Retail Accounts Past Due
                                - 00327: Length Of Credit History
                                - 00330: Percent Of Utility Inquiries Posted Recently
                                - 00331: Percent of Non-Utility Inquiries Posted Recently
                                - 00991: Number of open accounts and total collection amount
                                
                              Score Reason corresponding to Model Number 05264
                                - 1:   PERCENT OF AUTO BALANCE OUTSTANDING ON EQ
                                - 2:   PERCENT OF BALANCE PAST DUE ON EQ
                                - 26:  PERCENT OF REVOLVING ACCOUNTS OPENED RECENTLY ON EQ
                                - 27:  PERCENT OF REVOLVING ACCOUNTS SATISFACTORY ON EQ
                                - 28:  PERCENT OF REVOLVING ACCOUNTS WITH MAJOR DEROGATORY EVENT ON EQ
                                - 29:  PERCENT OF REVOLVING ACCOUNTS SATISFACTORY ON EQ
                                - 40:  PERCENT OF ACCOUNTS SATISFACTORY ON EQ
                                - 49:  30 DAYS DELINQUENCY OCCURRENCES ON BANKCARD ACCOUNTS ON EQ
                                - 51:  30 DAYS DELINQUENCY OCCURRENCES ON INSTALLMENT ACCOUNTS ON EQ
                                - 66:  AGE OF AUTO ACCOUNTS ON EQ
                                - 68:  AGE OF BANKCARD ACCOUNTS ON EQ
                                - 79:  AGE OF ACCOUNT ACTIVITY ON EQ
                                - 80:  LENGTH OF CREDIT TRADE HISTORY ON EQ
                                - 83:  BANKCARD HIGH CREDIT ON EQ
                                - 84:  BANKCARD UTILIZATION ON EQ
                                - 86:  DEPARTMENT STORE UTILIZATION ON EQ
                                - 95:  NUMBER OF AUTO ACCOUNTS WITH MAJOR DEROGATORY EVENT ON EQ
                                - 107: NUMBER OF OPEN BANKCARD ACCOUNTS WITH HIGH UTILIZATION ON EQ
                                - 109: NUMBER OF COLLECTIONS ON EQ
                                - 123: NUMBER OF CREDIT INQUIRIES ON EQ
                                - 133: NUMBER OF INSTALLMENT ACCOUNTS OPENED RECENTLY ON EQ
                                - 135: NUMBER OF INSTALL ACCOUNTS WITH HIGH BALANCE OUTSTANDING ON EQ
                                - 145: NUMBER OF OPEN PERSONAL FINANCE OR STUDENT LOAN ACCOUNTS ON EQ
                                - 154: NUMBER OF RECENT CREDIT INQUIRIES ON EQ
                                - 177: NUMBER OF REVOLVING ACCOUNTS WITH BALANCE ON EQ
                                - 178: NUMBER OF REVOLVING ACCOUNTS WITH HIGH UTILIZATION ON EQ
                                - 189: NUMBER OF SATISFACTORY REVOLVING ACCOUNTS ON EQ
                                - 190: NUMBER OF SATISFACTORY ACCOUNTS ON EQ
                                - 199: NUMBER OF ACCOUNTS OPENED RECENTLY ON EQ
                                - 200: NUMBER OF ACCOUNTS PAST DUE ON EQ
                                - 203: OCCURRENCE OF SEVERE DEROGATORY EVENT ON EQ
                                - 206: REVOLVING UTILIZATION ON EQ
                                - 214: TOTAL BALANCE ON BANKCARD ACCOUNTS ON EQ
                                - 220: TOTAL BALANCE ON RETAIL ACCOUNTS ON EQ
                                - 222: TOTAL BALANCE ON SALES FINANCE ACCOUNTS ON EQ
                                - 224: TOTAL COLLECTION AMOUNT ON EQ
                                - 225: WORST RATING FOR AUTO ACCOUNTS ON EQ
                                - 226: WORST RATING FOR MORTGAGE ACCOUNTS ON EQ
                                - 289: INSUFFICIENT INFORMATION ON OR LACK OF AUTO ACCOUNTS ON EQ
                                - 290: INSUFFICIENT INFORMATION ON OR LACK OF BANKCARD ACCOUNTS ON EQ
                                - 294: INSUFFICIENT INFORMATION ON OR LACK OF MORTGAGE ACCOUNTS ON EQ
                                - 296: INSUFFICIENT INFORMATION ON OR LACK OF RETAIL ACCOUNTS ON EQ
                                - 297: INSUFFICIENT INFORMATION ON OR LACK OF REVOLVING ACCOUNTS ON EQ
                                - 298: INSUFFICIENT INFORMATION ON OR LACK OF SALES FINANCE ACCTS ON EQ
                                - 299: INSUFFICIENT INFORMATION ON OR LACK OF ACCOUNTS ON EQ
                                - 303: NUMBER OF RECENT NON-UTILITY CREDIT INQUIRIES ON EQ
                                - 304: NUMBER OF NON-UTILITY CREDIT INQUIRIES ON EQ
                                - 305: NUMBER OF AUTO ACCOUNTS ON EQ
                                - 351: NUMBER OF UNPAID COLLECTIONS ON EQ
                                - 352: TOTAL UNPAID COLLECTION AMOUNT ON EQ
                                - 804: INSUFFICIENT ADDRESS INFORMATION ON LEXISNEXIS FILE
                                - 812: INSUFFICIENT NON-DEROGATORY REPORTING HISTORY ON LEXISNEXIS FILE
                                - 813: TIME AT RESIDENCE
                                - 814: NUMBER OF ADDRESS CHANGES ON LEXISNEXIS FILE
                                - 821: NUMBER OF SHORT-TERM LOAN OFFER REQUESTS ON LEXISNEXIS FILE
                                - 833: EVICTION RECORD ON LEXISNEXIS FILE
                                - 834: LIEN OR JUDGMENT RECORD ON LEXISNEXIS FILE
                                - 841: NO RECORD OF PROPERTY OWNERSHIP
                                - 842: NO RECORD OF CURRENT PROPERTY OWNERSHIP
                                - 844: NO RECORD OF OWNERSHIP OF CURRENT PROPERTY
                                - 851: INSUFFICIENT PROPERTY CHARACTERISTICS ON LEXISNEXIS FILE
                                - 857: INSUFFICIENT OCCUPATIONAL CHARACTERISTICS ON LEXISNEXIS FILE
                                - 860: NUMBER OF LEXISNEXIS INQUIRIES IN THE LAST 12 MONTHS
                                - 870: NUMBER OF PERSONAL FINANCE LEXISNEXIS INQUIRIES IN THE LAST 12 MONTHS
                                - 880: TAX ASSESSED PROPERTY VALUE FOR INPUT ADDRESS
                                - A02: WORST NCTUE DELINQUENCY OR DEROGATORY REPORTED IN THE LAST 6 MONTHS
                                - A03: WORST NCTUE DELINQUENCY OR DEROGATORY REPORTED IN THE LAST 3 MONTHS
                                - A06: HIGHEST BALANCE OF NCTUE OPEN ACCOUNTS IN THE LAST 12 MONTHS
                                - A07: HIGHEST CURRENT BALANCE OF NCTUE ACCOUNTS
                                - A16: NUMBER OF NCTUE SATISFACTORY OCCURRENCES REPORTED IN THE LAST 12 MONTHS
                                - B15: RELATION OF INCOME & AVAIL BANKCRAD AMT TO CURR DEBT AND COLLECT AMT ON EQ
                                - B16: RELATION OF INCOME AND HELOC AVAIL CREDIT TO CURRENT BANKCARD DEBT ON EQ
                                - B17: RELATION OF INCOME TO SCHEDULED PAYMENT ON BANKCARD ACCOUNTS ON EQ
                                - C02: CURRENT BANKCARD DEBT ON EQ
                                - D14: RELATION OF INCOME, AVAIL CREDIT TO CURRENT DEBT AND MAJOR DEROG AMT ON EQ
                                - D15: DEBT AND COLLECT AMT TO INC & AVAIL AMT ON BNKCRD, OTHER INSTALL & HE ON EQ
                                - D16: RELATION OF CURRENT DEBT ON BANKCARD ACCOUNTS TO INCOME ON EQ
                                - D17: RELATION OF INCOME MINUS CURRENT DEBT AND COLLECTION AMOUNT ON EQ
                                - D18: DEBT AND COLLECT AMT TO INC & AVAIL CREDIT ON INSTALL & OTHER REVOLV ON EQ
                                - D20: RELATION OF INC, EQUITY IN HOME AND AVAIL CREDIT TO COLLECT AMT ON EQ
                                - G01: INSUFFICIENT INFORMATION ON BANKCARD ACCOUNTS ON EQ
                                - G02: INSUFFICIENT INFORMATION ON INCOME, AVAILABLE CREDIT OR DEBT ON EQ
                                - G03: RELATION OF INCOME AND MORTGAGE AVAILABLE CREDIT TO CURR DEBT ON EQ
                                - G05: INSUFFICIENT INFORMATION ON REVOLVING AVAILABLE CREDIT ON EQ
                                - G06: INSUFFICIENT INFO ON CREDIT LIMIT FOR OTHER INSTALLMENT ACCOUNTS ON EQ
                                - G07: INSUFFICIENT INFO ON INCOME, CURRENT DEBT OR MAJOR DEROG AMOUNT ON EQ
                                - G08: INSUFFICIENT INFORMATION ON BANKCARD ACCOUNTS ON EQ
                                - G09: INSUFFICIENT INFO ON INCOME, CURR DEBT OR AVAIL AMT ON BANKCARD ACCTS ON EQ
                                - G10: LACK OF INFO ON DBT,COLL AMT,INC OR AVAIL AMT ON INST OR REVOLV ACCTS ON EQ
                                - G11: INSUFFICIENT INFO ON CREDIT LIMIT FOR OTHER INSTALLMENT ACCTS ON EQ
                                - G12: INSUFFICIENT INFO ON INC, AVAIL AMT ON HELOC OR CURR DEBT ON OPEN TRDS ON EQ
                                - G13: INSUFFICIENT INFO ON TOTAL AVAILABLE FOR REVOLVING AND INSTALL ACCTS ON EQ
                                - G14: INSUFFICIENT INFO ON INC, EQUITY IN HOME OR AVAIL AMT ON BNKCRD ACCTS ON EQ
                                - G16: INSUFFICIENT INFO ON INCOME, CURRENT DEBT OR COLLECTION AMOUNT ON EQ
                                - H01: CREDIT LIMIT HIGH CREDIT FOR OTHER INSTALLMENT ACCOUNTS ON EQ
                                - H02: TOTAL AVAILABLE ON REVOLVING AND INSTALLMENT ACCOUNTS ON EQ
                                - H03: TOTAL INCOME, EQUITY IN HOME AND AVAILABLE BANKCARD CREDIT ON EQ
                                - I01: MAJOR DEROGARTORY AMOUNT ON EQ
                                - J02: 3RD PARTY COLLECTION AMOUNT ON EQ
                                - L01: TOTAL BALANCE ON AUTO ACCOUNTS ON EQ
                                - O04: AVAILABLE REVOLVING CREDIT ON EQ
                                - O05: AVAILABLE CREDIT ON BANKCARD ACCOUNTS ON EQ
                                - P02: NO USABLE CREDIT DATA ON EQ
                                - P03: NO USABLE NCTUE DATA
                                - Y32: TOTAL OF LATEST BALANCES FOR NCTUE ACCOUNTS REPORTED IN THE LAST 6 MONTHS
                                - Y37: HIGHEST NCTUE BALANCE REPORTED IN THE LAST 6 MONTHS
                                - Y52: NOT ENOUGH INFORMATION ON BALANCES REPORTED IN THE LAST 6 MONTHS ON NCTUE
                                - Y54: NOT ENOUGH INFORMATION ON BALANCES REPORTED IN THE LAST 6 MONTHS ON NCTUE
                                - Y55: NOT ENOUGH INFORMATION ON BALANCES REPORTED ON NCTUE
                                - Y56: NOT ENOUGH INFORMATION ON PAID-AS-AGREED NCTUE ACCOUNTS
                                - Y72: MONTHS SINCE LATEST NCTUE 60+ DAYS PAST DUE REPORTED IN LAST 24 MONTHS
                                - Y74: MONTHS SINCE CONNECTION OF OLDEST PAID-AS-AGREED NCTUE ACCOUNT
                                - Y90: NOT ENOUGH INFORMATION ON NCTUE ACCOUNTS REPORTED IN THE LAST 3 MONTHS
                                - Y91: NOT ENOUGH INFORMATION ON NCTUE ACCOUNTS REPORTED IN THE LAST 6 MONTHS
                                - Y92: NOT ENOUGH INFORMATION ON NCTUE ACCOUNTS REPORTED IN THE LAST 12 MONTHS
                                - Y93: NOT ENOUGH INFORMATION ON NCTUE ACCOUNTS REPORTED IN THE LAST 24 MONTHS
                                
                              Score Reason corresponding to Model Number 05184
                                - 3:  PERCENT OF BANKCARD BALANCE PAST DUE
                                - 7:  PERCENT OF BANKCARD ACCOUNTS SATISFACTORY
                                - 24: PERCENT OF REVOLVING ACCOUNTS 60+ DAYS DELINQUENT OR MAJOR DEROGATORY
                                - 27: PERCENT OF RECENTLY REPORTED REVOLVING ACCOUNTS THAT ARE SATISFACTORY
                                - 33: PERCENT OF ALL OPEN ACCOUNTS THAT ARE BANKCARDS
                                - 37: PERCENT OF ACCOUNTS OPENED RECENTLY
                                - 40: PERCENT OF ACCOUNTS SATISFACTORY
                                - 66: AGE OF MOST RECENT OPEN AUTO ACCOUNT
                                - 68: AGE OF OLDEST BANKCARD ACCOUNT
                                - 71: AGE OF OLDEST INSTALLMENT ACCOUNT
                                - 76: AGE OF REVOLVING ACCOUNTS
                                - 80: AGE OF OLDEST ACCOUNT
                                - 84: BANKCARD UTILIZATION
                                - 96: NUMBER OF BANKCARD ACCOUNTS
                                - 104: NUMBER OF BANKCARD ACCOUNTS LESS THAN 60 DAYS DELINQUENT
                                - 107: NUMBER OF BANKCARD ACCOUNTS WITH HIGH UTILIZATION
                                - 109: NUMBER OF COLLECTIONS
                                - 110: NUMBER OF DEPARTMENT STORE ACCOUNTS
                                - 129: NUMBER OF INSTALLMENT ACCOUNTS 60+ DAYS DELINQUENT
                                - 133: NUMBER OF INSTALLMENT ACCOUNTS OPENED RECENTLY
                                - 136: NUMBER OF INSTALLMENT ACCOUNTS WITH MAJOR DEROGATORY EVENT
                                - 149: NUMBER OF OPEN ACCOUNTS
                                - 174: NUMBER OF REVOLVING ACCOUNTS LESS THAN 60 DAYS DELINQUENT
                                - 191: NUMBER OF ACCOUNTS
                                - 198: NUMBER OF ACCOUNTS LESS THAN 60 DAYS DELINQUENT
                                - 199: NUMBER OF ACCOUNTS OPENED RECENTLY
                                - 203: OCCURRENCE OF SEVERE DEROGATORY EVENT
                                - 209: TOTAL AMOUNT PAST DUE FOR INSTALLMENT ACCOUNTS
                                - 214: TOTAL BALANCE ON BANKCARD ACCOUNTS
                                - 219: TOTAL BALANCE ON PERSONAL FINANCE OR STUDENT LOAN ACCOUNTS
                                - 223: TOTAL BALANCE ON ACCOUNTS
                                - 289: INSUFFICIENT INFORMATION ON OR LACK OF AUTO ACCOUNTS
                                - 290: INSUFFICIENT INFORMATION ON OR LACK OF BANKCARD ACCOUNTS
                                - 292: INSUFFICIENT INFORMATION ON OR LACK OF DEPARTMENT STORE ACCOUNTS
                                - 293: INSUFFICIENT INFORMATION ON OR LACK OF INSTALLMENT ACCOUNTS
                                - 296: INSUFFICIENT INFORMATION ON OR LACK OF RETAIL ACCOUNTS
                                - 297: INSUFFICIENT INFORMATION ON OR LACK OF REVOLVING ACCOUNTS
                                - 299: INSUFFICIENT INFORMATION ON OR LACK OF ACCOUNTS
                                - 302: NUMBER OF UTILITY INQUIRIES
                                - 303: NUMBER OF RECENT NON-UTILITY INQUIRIES
                                - 304: NUMBER OF NON-UTILITY INQUIRIES
                                - 305: NUMBER OF AUTO ACCOUNTS
                                - 308: NUMBER OF MORTGAGE ACCOUNTS
                                - 309: NUMBER OF RETAIL ACCOUNTS
                                - 310: NUMBER OF RETAIL ACCOUNTS WITH BALANCE
                                - 312: STUDENT LOAN HIGH CREDIT
                                - 317: 60+ DAYS DELINQUENCY OCCURRENCES ON INSTALLMENT ACCOUNTS
                                - 331: PERCENT OF RECENT NON-UTILITY INQUIRIES POSTED RECENTLY
                                - 334: PERCENT OF RECENTLY REPORTED ACCOUNTS THAT ARE SATISFACTORY
                                - 336: AGE OF MOST RECENT OPEN BANKCARD ACCOUNT
                                - 337: AGE OF MOST RECENT OPEN ACCOUNT
                                - 338: RECENT OCCURRENCE OF BANKRUPTCY EVENT
                                - 339: OCCURRENCE OF BANKRUPTCY EVENT
                                - 340: NUMBER OF JUDGMENTS
                                - 341: TOTAL ORIGINAL COLLECTION AMOUNT ON UNPAID 3RD PARTY COLLECTIONS POSTED RECENTLY
                                - 343: TOTAL ORIGINAL COLLECTION AMOUNT ON UNPAID 3RD PARTY COLLECTIONS
                                - 344: NUMBER OF RETAIL ACCOUNTS REPORTED RECENTLY
                                - 347: AGE OF MOST RECENT OPEN RETAIL ACCOUNT
                                - 991: NUMBER OF OPEN ACCOUNTS & TOTAL COLLECTION AMOUNT
                                - 992: PERCENT OF ACCOUNTS SATISFACTORY & NUMBER OF BANKCARD ACCOUNTS WITH HIGH UTILIZATION
                                - Y01: NO HIT TO CREDIT FILE
                                - Y02: NO TRADE ON CREDIT FILE
                                - Y03: NUMBER OF OPEN TRADES ON CREDIT FILE
                                - Y04: NUMBER OF OPEN TRADES ON CREDIT FILE AND 3RD PARTY COLLECTION
                                - Y05: PERCENT OF SATISFACTORY TRADES OF ALL TRADES ON CREDIT FILE
                                - Y06: PERCENT OF SATISFACTORY TRADES & LACK OF OPEN BANKCARD TRADES ON CREDIT FILE
                                - Y07: PERCENT OF SATISFACTORY TRADES AND BANKCARD UTILIZATION ON CREDIT FILE
                                - Y08: UTILIZATION ON OPEN BANKCARD TRADES ON CREDIT FILE
                                - Y09: THIRD PARTY COLLECTION AMOUNT ON CREDIT FILE
                                - Y10: NUMBER OF INQUIRIES IN THE LAST 24 MONTHS ON CREDIT FILE
                                - Y11: PRESENCE OF PUBLIC RECORD JUDGMENT ON CREDIT FILE
                                - Y12: NUMBER OF NCTUE ACCOUNTS
                                - Y13: NUMBER OF NCTUE ACCOUNTS CONNECTED IN THE LAST 6 MONTHS
                                - Y14: NUMBER OF NCTUE ACCOUNTS CONNECTED IN THE LAST 12 MONTHS
                                - Y15: NUMBER OF NCTUE ACCOUNTS CONNECTED IN THE LAST 24 MONTHS
                                - Y16: NUMBER OF NCTUE ACCOUNTS CONNECTED IN THE LAST 48 MONTHS
                                - Y17: NUMBER OF NCTUE PAID-AS-AGREED ACCOUNTS REPORTED IN THE LAST 3 MONTHS
                                - Y18: NUMBER OF NCTUE PAID-AS-AGREED ACCOUNTS REPORTED IN THE LAST 6 MONTHS
                                - Y19: NUMBER OF NCTUE ACCOUNTS REPORTED IN LAST 6 MONTHS AS WORST 30 DAYS PAST DUE
                                - Y20: # OF NCTUE NON-DEROGATORY 60+ DAYS PAST DUE ACCTS REPORTED IN LAST 6 MONTHS
                                - Y21: # OF NCTUE NON-DEROGATORY WORST 60+ DAYS PAST DUE ACCOUNTS IN LAST 3 MONTHS
                                - Y22: # OF NCTUE ACCOUNTS 60+ DAYS PAST DUE OR DEROGATORY REPORTED IN LAST 6 MONTHS
                                - Y23: # OF NCTUE 90+ DAYS PAST DUE OR DEROGATORY ACCOUNTS REPORTED IN LAST 6 MONTHS
                                - Y24: NUMBER OF NCTUE ACCOUNTS CONNECTED IN THE LAST 3 MONTHS
                                - Y25: NUMBER OF NCTUE ACCOUNTS INVOLUNTARY DISCONNECTED IN THE LAST 3 MONTHS
                                - Y26: AGE OF OLDEST NCTUE CONNECTION
                                - Y27: AGE OF YOUNGEST NCTUE CONNECTION FOR PAID-AS-AGREED ACCOUNTS
                                - Y28: MONTHS SINCE THE LATEST PAID-AS-AGREED REPORTED WITHIN 24 MONTHS ON NCTUE
                                - Y29: MONTHS SINCE LATEST 30+ DAYS PAST DUE REPORTED WITHIN 24 MONTHS ON NCTUE
                                - Y30: MONTHS SINCE LATEST NCTUE 30+ DAYS PAST DUE OR DEROGATORY REPORTED IN 24 MOS
                                - Y31: MONTHS SINCE LATEST NCTUE DEROGATORY ACCOUNT REPORTED IN THE LAST 24 MONTHS
                                - Y32: TOTAL OF LATEST BALANCES FOR NCTUE ACCOUNTS REPORTED IN THE LAST 6 MONTHS
                                - Y33: TOTAL OF LATEST BALANCES FOR NCTUE ACCOUNTS REPORTED IN THE LAST 2 MONTHS
                                - Y34: % OF NCTUE TOTAL OPEN BALANCES OF TOTAL BALANCES REPORTED IN LAST 2 MONTHS
                                - Y35: AVERAGE BALANCE ON OPEN NCTUE ACCOUNTS IN THE LAST 6 MONTHS
                                - Y36: HIGHEST BALANCE OF NCTUE OPEN ACCOUNTS IN THE LAST 6 MONTHS
                                - Y37: HIGHEST NCTUE BALANCE REPORTED IN THE LAST 6 MONTHS
                                - Y38: TOTAL OF LATEST PAYMENTS MADE REPORTED IN THE LAST 2 MONTHS
                                - Y39: NUMBER OF TIMES PAID-AS-AGREED WAS REPORTED IN THE LAST 6 MONTHS ON NCTUE
                                - Y40: NUMBER OF TIMES 30 DAYS PAST DUE WAS REPORTED IN THE LAST 6 MONTHS ON NCTUE
                                - Y41: NUMBER OF TIMES 60 DAYS PAST DUE WAS REPORTED IN THE LAST 6 MONTHS ON NCTUE
                                - Y42: % OF NCTUE ACCOUNTS IN LAST 6 MONTH REPORTED 60+ DAYS PAST DUE OR DEROGATORY
                                - Y43: % OF NCTUE ACCOUNTS IN LAST 6 MONTH REPORTED 90+ DAYS PAST DUE OR DEROGATORY
                                - Y44: MONTHS SINCE THE LATEST NCTUE CHARGE-OFF REPORTED IN THE LAST 24 MONTHS
                                - Y45: TOTAL CHARGE-OFF AMOUNT ON NCTUE ACCOUNTS REPORTED IN THE LAST 6 MONTHS
                                - Y46: AVERAGE NUMBER OF MONTHS SINCE NCTUE CONNECTIONS
                                - Y47: NOT ENOUGH INFORMATION ON LATEST BALANCES REPORTED ON NCTUE
                                - Y48: NOT ENOUGH INFORMATION ON LATEST PAYMENTS ON NCTUE
                                - Y49: NOT ENOUGH INFORMATION ON CONNECTIONS OF NCTUE ACCOUNTS
                                - Y50: NOT ENOUGH INFORMATION ON BALANCES REPORTED IN THE LAST 6 MONTHS ON NCTUE
                                - Y51: NOT ENOUGH INFORMATION ON PAID-AS-AGREED NCTUE ACCOUNTS
                                - Y52: NOT ENOUGH INFORMATION ON BALANCES REPORTED IN THE LAST 6 MONTHS ON NCTUE
                                - Y53: NOT ENOUGH INFORMATION ON NCTUE CONNECTIONS
                                - Y54: NOT ENOUGH INFORMATION ON BALANCES REPORTED IN THE LAST 6 MONTHS ON NCTUE
                                - Y55: NOT ENOUGH INFORMATION ON BALANCES REPORTED ON NCTUE
                                - Y56: NOT ENOUGH INFORMATION ON PAID-AS-AGREED NCTUE ACCOUNTS
                                - Y57: NUMBER OF NCTUE ACCOUNTS REPORTED IN THE LAST 3 MONTHS
                                - Y58: WORST NCTUE DELINQUENCY OR DEROGATORY REPORTED IN THE LAST 6 MONTHS
                                - Y59: TOTAL LATEST BALANCE ON OPEN NCTUE ACCOUNTS REPORTED IN THE LAST 2 MONTHS
                                - Y60: AVERAGE BALANCE ON OPEN NCTUE ACCOUNTS IN THE LAST 3 MONTHS
                                - Y61: HIGHEST BALANCE OF NCTUE OPEN ACCOUNTS IN THE LAST 3 MONTHS
                                - Y62: AVERAGE NUMBER OF MONTHS SINCE NCTUE DISCONNECTION
                                - Y63: TOTAL BALANCE OF DEROGATORY NCTUE ACCOUNTS REPORTED IN THE LAST 6 MONTHS
                                - Y64: NOT ENOUGH INFORMATION ON NCTUE ACCOUNTS REPORTED IN THE LAST 3 MONTHS
                                - Y66: MONTHS SINCE THE LATEST NCTUE ACCOUNT CONNECTION
                                - Y68: MONTHS SINCE LATEST NCTUE INVOLUNTARY DISCONNECTION IN THE LAST 24 MONTHS
                                - Y69: NUMBER OF TIMES PAID AS AGREED REPORTED IN THE LAST 3 MONTHS ON NCTUE
                                - Y70: # OF NCTUE ACCOUNTS WORST NON-DEROGATORY 60+ DAYS PAST DUE IN LAST 6 MONTHS
                                - Y71: # OF NCTUE 60+ DAYS PAST DUE OR DEROGATORY ACCOUNTS REPORTED IN LAST 3 MONTHS
                                - Y72: MONTHS SINCE LATEST NCTUE 60+ DAYS PAST DUE REPORTED IN LAST 24 MONTHS
                                - Y73: TOTAL CHARGE-OFF AMOUNT ON NCTUE ACCOUNTS REPORTED IN THE LAST 2 MONTHS
                                - Y74: MONTHS SINCE CONNECTION OF OLDEST PAID-AS-AGREED NCTUE ACCOUNT
                                - Y75: MONTHS SINCE LATEST NCTUE 90+ DAYS PAST DUE OR DEROGATORY IN LAST 24 MONTHS
                                - Y77: NOT ENOUGH INFORMATION ON PAID-AS-AGREED NCTUE ACCOUNTS
                                - Y79: NOT ENOUGH INFORMATION ON PAID-AS-AGREED NCTUE ACCOUNTS
                                - Y80: NOT ENOUGH INFORMATION ON PAID-AS-AGREED NCTUE ACCOUNTS
                                - Y81: NUMBER OF COLLECTIONS ON CREDIT FILE
                                - Y82: THIRD PARTY COLLECTION AMOUNT ON CREDIT FILE
                                - Y83: NUMBER OF RECENT INQUIRIES ON CREDIT FILE
                                
                    inquiryKeyFactor: 
                      type: object
                      properties:
                        code:
                          type: string
                          maxLength: 1
                        description: 
                          type: string
                          description: FACTA 5th Reason Code Regarding Inquiries
                    riskBasedPricingOrModel: 
                      type: object
                      properties: 
                        percentage: 
                          type: string
                          maxLength: 5
                          description: Percentage of the U.S. population that the Consumers Score for this model scores
                        lowRange: 
                          type: string
                          maxLength: 5
                          description: Dodd Frank Wall Street Lowest Score available on the model requested
                        highRange: 
                          type: string
                          maxLength: 5
                          description: Dodd Frank Wall Street Highest Score available on the model requested
                    rejects: 
                      type: array
                      description: Model unable to score file; requested reject code return instead
                      items: 
                        type: object
                        description: Reject codes corresponding to the model
                        properties:
                          code: 
                            type: string
                            description: Code value
                            
                          description:
                            type: string
                            description: >
                              Reject Codes corresponding to Model Number 02781
                                - A1: File Under Review
                                - B0: Insufficient Information to Score
                                - D0: Bankruptcy On File
                                - L0: Subject Deceased
                                - N1: Inquiry Only File
                                - X7: File Cannot Be Scored
                                
                              Reject Codes corresponding to Model Number 02782
                                - A1: File Under Review
                                - B0: Insufficient Information to Score
                                - D0: Bankruptcy On File
                                - L0: Subject Deceased
                                - N1: Inquiry Only File
                                - X7: File Cannot Be Scored
                                
                              Reject Codes corresponding to Model Number 02783
                                - A1: File Under Review
                                - B0: Insufficient Information to Score
                                - D0: Bankruptcy On File
                                - L0: Subject Deceased
                                - N1: Inquiry Only File
                                - X7: File Cannot Be Scored
                                
                              Reject Codes corresponding to Model Number 02784
                                - A1: File Under Review
                                - B0: Insufficient Information to Score
                                - D0: Bankruptcy On File
                                - L0: Subject Deceased
                                - N1: Inquiry Only File
                                - X7: File Cannot Be Scored
                                
                              Reject Codes corresponding to Model Number 05146
                                - A1: File Under Review
                                - C1: No Qualifying Accounts Present
                                - C2: Bankruptcy Occurrence Present
                                - L0: Consumer Deceased
                                - R0: Insufficient Information to Score
                                - X1: Model Delivery Temporarily Unavailable
                                - X3: Too Many Inquiries on File
                                - X5: No Input Fields Provided
                                - X7: Model Delivery Temporarily Unavailable, File Cannot Be Scored
                                
                              Reject Codes corresponding to Model Number 05147
                                - A1: File Under Review
                                - C1: No Qualifying Accounts Present
                                - C2: Bankruptcy Occurrence Present
                                - L0: Consumer Deceased
                                - R0: Insufficient Information to Score
                                - X1: Model Delivery Temporarily Unavailable
                                - X3: Too Many Inquiries on File
                                - X5: No Input Fields Provided
                                - X7: Model Delivery Temporarily Unavailable, File Cannot Be Scored
                                
                              Reject Codes corresponding to Model Number 05276
                                - A1: File Under Review
                                - C1: No Qualifying Accounts Present
                                - C2: Bankruptcy Occurrence Present
                                - L0: Consumer Deceased
                                - R0: Insufficient Information to Score
                                - X1: Model Delivery Temporarily Unavailable
                                - X3: Too Many Inquiries on File
                                - X5: No Input Fields Provided
                                - X7: Model Delivery Temporarily Unavailable, File Cannot Be Scored
                              
                              Reject Codes corresponding to Model Number 05277
                                - A1: File Under Review
                                - C1: No Qualifying Accounts Present
                                - C2: Bankruptcy Occurrence Present
                                - L0: Consumer Deceased
                                - R0: Insufficient Information to Score
                                - X1: Model Delivery Temporarily Unavailable
                                - X3: Too Many Inquiries on File
                                - X5: No Input Fields Provided
                                - X7: Model Delivery Temporarily Unavailable, File Cannot Be Scored
                                
                              Reject Codes corresponding to Model Number 02502
                                - B0: No trade or inquiry reported within the last 24 months
                                - B1: Subject Deceased
                                - D0: Bankruptcy on File
                                - X7: File cannot be scored
                                
                              Reject Codes corresponding to Model Number 02503
                                - B0: No trade or inquiry reported within the last 24 months
                                - B1: Subject Deceased
                                - D0: Bankruptcy on File
                                - X7: File cannot be scored
                                
                              Reject Codes corresponding to Model Number 02037
                                - B0: No trade or inquiry reported within 24 months
                                - B1: Subject deceased
                                - X7: File cannot be scored
                                
                              Reject Codes corresponding to Model Number 02525
                                - B0: No trade or inquiry reported within 24 months
                                - B1: Subject deceased
                                - X7: File cannot be scored
                                
                              Reject Codes corresponding to Model Number 02725
                                - B0: No trade or inquiry reported within 24 months
                                - B1: Subject deceased
                                - X7: File cannot be scored
                                
                              Reject Codes corresponding to Model Number 02874
                                - B0: Model Delivery is Not Available: Insufficient Information to Score
                                - L0: Model Delivery is Not Available: Subject Deceased
                                - X7: Model Delivery is Temporarily Unavailable
                                - A1: Model Delivery is Not Available: File Under Review
                                - F1: Model Delivery is Not Available: No Qualifying Accounts Present
                                
                              Reject Codes corresponding to Model Number 02875
                                - B0: Model Delivery is Not Available: Insufficient Information to Score
                                - L0: Model Delivery is Not Available: Subject Deceased
                                - X7: Model Delivery is Temporarily Unavailable
                                - A1: Model Delivery is Not Available: File Under Review
                                - F1: Model Delivery is Not Available: No Qualifying Accounts Present
                                
                              Reject Codes corresponding to Model Number 02893
                                - B0: Model Delivery is Not Available: Insufficient Information to Score
                                - L0: Model Delivery is Not Available: Subject Deceased
                                - X7: Model Delivery is Temporarily Unavailable
                                - A1: Model Delivery is Not Available: File Under Review
                                - F1: Model Delivery is Not Available: No Qualifying Accounts Present
                                
                              Reject Codes corresponding to Model Number 02481
                                - B0: No trade or inquiry reported within 24 months
                                - L0: Subject Deceased
                                - L1: No qualifying information present
                                - X7: File cannot be scored
                                
                              Reject Codes corresponding to Model Number 02527
                                - B0: No trade or inquiry reported within 24 months
                                - L0: Subject Deceased
                                - L1: No qualifying information present
                                - X7: File cannot be scored
                                
                              Reject Codes corresponding to Model Number 02575
                                - B0: No trade or inquiry reported within 24 months
                                - L0: Subject Deceased
                                - X7: File cannot be scored
                                - A1: File Under Review
                                
                              Reject Codes corresponding to Model Number 02531
                                - P1: Subject deceased
                                - P2: No qualifying trades
                                - P3: Insufficient or unknown tradeline history
                                - P4: No recently reported tradelines
                                - P5: No recent trades w/o data suppression or disputed info
                                - P6: Unable to score
                                - X7: Model delivery is temporarily unavailable
                                
                              Reject Codes corresponding to Model Number 02825
                                - P1: Subject deceased
                                - P2: No qualifying trades
                                - P3: Insufficient or unknown tradeline history
                                - P4: No recently reported tradelines
                                - P5: No recent trades w/o data suppression or disputed info
                                - P6: Unable to score
                                - X7: Model delivery is temporarily unavailable
                                
                              Reject Codes corresponding to Model Number 02905
                                - P1: Subject deceased
                                - P2: No qualifying trades
                                - P3: Insufficient or unknown tradeline history
                                - P4: No recently reported tradelines
                                - P5: No recent trades w/o data suppression or disputed info
                                - P6: Unable to score
                                - X7: Model delivery is temporarily unavailable
                                
                              Reject Codes corresponding to Model Number 02906
                                - P1: Subject deceased
                                - P2: No qualifying trades
                                - P3: Insufficient or unknown tradeline history
                                - P4: No recently reported tradelines
                                - P5: No recent trades w/o data suppression or disputed info
                                - P6: Unable to score
                                - X7: Model delivery is temporarily unavailable
                                
                              Reject Codes corresponding to Model Number 02682
                                - A1: File Under Review
                                - B0: Insufficient Information to Score
                                - L0: Subject deceased
                                - X7: File Cannot Be Scored
                                
                              Reject Codes corresponding to Model Number 02718
                                - A1: File Under Review
                                - B0: Insufficient Information to Score
                                - L0: Subject deceased
                                - X7: File Cannot Be Scored
                                - N1: Inquiry Only File
                                
                              Reject Codes corresponding to Model Number 02485
                                - B0: No trade or inquiry reported within the last 24 months
                                - X7: File cannot be scored
                                
                              Reject Codes corresponding to Model Number 02505
                                - B1: Subject Deceased
                                - F1: No qualifying accounts present
                                - F3: No recently reported account information
                                - A0: Not available, file cannot be scored
                                
                              Reject Codes corresponding to Model Number 02558
                                - B1: Subject Deceased
                                - F1: No qualifying accounts present
                                - F3: No recently reported account information
                                - A0: Not available, file cannot be scored
                                
                              Reject Codes corresponding to Model Number 01203
                                - A1: File Under Review
                                - B0: Insufficient Information to Score
                                - F1: No Qualifying Accounts Present
                                - L0: Subject Deceased
                                - X7: Model Delivery is Temporarily Unavailable
                                
                              Reject Codes corresponding to Model Number 01204
                                - A1: File Under Review
                                - B0: Insufficient Information to Score
                                - F1: No Qualifying Accounts Present
                                - L0: Subject Deceased
                                - X7: Model Delivery is Temporarily Unavailable
                             
                              Reject Codes corresponding to Model Number 02912
                                - A1: File Under Review
                                - B0: Insufficient Information to Score
                                - F1: No Qualifying Accounts Present
                                - L0: Subject Deceased
                                - X7: Model Delivery is Temporarily Unavailable
                              
                              Reject Codes corresponding to Model Number 02903
                                - A1: File Under Review
                                - B0: Insufficient Information to Score
                                - F1: No Qualifying Accounts Present
                                - L0: Subject Deceased
                                - X7: Model Delivery is Temporarily Unavailable
                              
                              Reject Codes corresponding to Model Number 02904
                                - A1: File Under Review
                                - B0: Insufficient Information to Score
                                - F1: No Qualifying Accounts Present
                                - L0: Subject Deceased
                                - X7: Model Delivery is Temporarily Unavailable
                              
                              Reject Codes corresponding to Model Number 02470
                                - B0: No trade or inquiry reported within 24 months
                                - B1: Subject deceased
                                - X7: File cannot be scored
                              
                              Reject Codes corresponding to Model Number 02557
                                - B0: No trade or inquiry reported within 24 months
                                - B1: Subject deceased
                                - X7: File cannot be scored
                              
                              Reject Codes corresponding to Model Number 02458
                                - B0: No trade or inquiry reported within 24 months
                                - B1: Subject deceased
                                - X7: File cannot be scored
                              
                              Reject Codes corresponding to Model Number 02479
                                - B0: No trade or inquiry reported within the last 24 months
                                - B1: Subject Deceased
                                - D0: Bankruptcy on file
                                - X7: File cannot be scored
                              
                              Reject Codes corresponding to Model Number 02978
                                - L0: Deceased
                                - F1: Lack of Trades
                                - B0: Lack of Activity
                                - X7: Model Delivery is Temporarily Unavailable
                                - A1: Model Delivery is Not Available
                              
                              Reject Codes corresponding to Model Number 02991
                                - L0: Deceased
                                - F1: Lack of Trades
                                - B0: Lack of Activity
                                - X7: Model Delivery is Temporarily Unavailable
                                - A1: Model Delivery is Not Available
                              
                              Reject Codes corresponding to Model Number 05008
                                - L0: Deceased
                                - F1: Lack of Trades
                                - B0: Lack of Activity
                                - X7: Model Delivery is Temporarily Unavailable
                                - A1: Model Delivery is Not Available
                              
                              Reject Codes corresponding to Model Number 05028
                                - L0: Deceased
                                - F1: Lack of Trades
                                - B0: Lack of Activity
                                - X7: Model Delivery is Temporarily Unavailable
                                - A1: Model Delivery is Not Available
                              
                              Reject Codes corresponding to Model Number 05143
                                - 000L0: Deceased
                                - 000F1: Lack of Trades
                                - 000B0: Lack of Activity
                                - 000X7: Model Delivery is Temporarily Unavailable
                                - 000A1: Model Delivery is Not Available
                              
                              Reject Codes corresponding to Model Number 05151
                                - 000L0: Deceased
                                - 000F1: Lack of Trades
                                - 000B0: Lack of Activity
                                - 000X7: Model Delivery is Temporarily Unavailable
                                - 000A1: Model Delivery is Not Available
                              
                              Reject Codes corresponding to Model Number 02770
                                - B0: Insufficient Information to Score
                                - L0: Subject Deceased
                                - X7: Model Delivery is Temporarily Unavailable
                                - A1: File Under Review
                              
                              Reject Codes corresponding to Model Number 02778
                                - B1: Subject deceased
                                - F1: No trades on file
                                - F2: No trades on file with date open older than 5 months
                                - F3: No trades on files with date reported in last 6 months
                                - F4: No trades on file with a valid current status and without data suppression or disputed info
                                - X5: Invalid source data input (request missing a 1, 2, 3, 4 or 5 for the score desired)
                              
                              Reject Codes corresponding to Model Number 02779
                                - B1: Subject deceased
                                - F1: No trades on file
                                - F2: No trades on file with date open older than 5 months
                                - F3: No trades on files with date reported in last 6 months
                                - F4: No trades on file with a valid current status and without data suppression or disputed info
                                - X5: Invalid source data input (request missing a 1, 2, 3, 4 or 5 for the score desired)
                              
                              Reject Codes corresponding to Model Number 01958
                                - B0: No Trade/Inq  
                                - B1: Deceased
                              
                              Reject Codes corresponding to Model Number 01918
                                - B0: No Trade/Inq  
                                - L0: Deceased
                              
                              Reject Codes corresponding to Model Number 05236
                                - 01: DECEASED ON CREDIT, NCTUE AND LEXISNEXIS
                                - 02: DECEASED ON CREDIT AND NCTUE
                                - 03: DECEASED ON CREDIT AND LEXISNEXIS
                                - 04: DECEASED ON NCTUE AND LEXISNEXIS
                                - 05: DECEASED ON CREDIT
                                - 06: DECEASED ON NCTUE
                                - 07: DECEASED ON LEXISNEXIS
                                - 08: FILE IN REVIEW-CREDIT,FRAUD-NCTUE,IDENTITY THEFT -LEXISNEXIS
                                - 09: FILE IN REVIEW-CREDIT,FRAUD-NCTUE
                                - 10: FILE IN REVIEW-CREDIT,IDENTITY THEFT -LEXISNEXIS
                                - 11: FRAUD-NCTUE,IDENTITY THEFT -LEXISNEXIS
                                - 12: FILE IN REVIEW-CREDIT
                                - 13: FRAUD-NCTUE
                                - 14: IDENTITY THEFT -LEXISNEXIS
                                - 15: NO HIT-CREDIT,NO HIT-NCTUE,NO HIT-LEXISNEXIS
                                - 16: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,NO HIT-LEXISNEXIS
                                - 17: NO HIT-CREDIT,INQUIRY ONLY-NCTUE,NO HIT-LEXISNEXIS
                                - 18: INADEQUATE INFO-CREDIT,INQUIRY ONLY-NCTUE,NO HIT-LEXISNEXIS
                                - 19: NO HIT-CREDIT,BANKRUPTCY-NCTUE,NO HIT-LEXISNEXIS
                                - 20: INADEQUATE INFO-CREDIT,BANKRUPTCY-NCTUE,NO HIT-LEXISNEXIS
                                - 21: NO HIT-CREDIT,NO HIT-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 22: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 23: NO HIT-CREDIT,INQ ONLY-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 24: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 25: NO HIT-CREDIT,BKP-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 26: INADEQUATE INFO-CREDIT,BKP-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 27: NO HIT-CREDIT,NO HIT-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 28: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 29: NO HIT-CREDIT,INQ ONLY-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 30: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 31: NO HIT-CREDIT,BKP-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 32: INADEQUATE INFO-CREDIT,BKP-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 33: NO HIT-CREDIT,NO HIT-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 34: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 35: NO HIT-CREDIT,INQ ONLY-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 36: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 37: NO HIT-CREDIT,BKP-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 38: INADEQUATE INFO-CREDIT,BKP-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 39: NO HIT-CREDIT,NO HIT-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 40: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 41: NO HIT-CREDIT,INQ ONLY-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 42: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 43: NO HIT-CREDIT,BKP-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 44: INADEQUATE INFO-CREDIT,BKP-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 45: NO HIT-CREDIT,NO HIT-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 46: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 47: NO HIT-CREDIT,INQ ONLY-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 48: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 49: NO HIT-CREDIT,BKP-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 50: INADEQUATE INFO-CREDIT,BKP-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - A1: **NOT AVAILABLE, FILE UNDER REVIEW
                                - B0: INSUFFICIENT INFORMATION TO SCORE
                                - C1: MODEL DELIVERY IS NOT AVAILABLE: NO QUALIFYING ACCOUNTS PRESENT. NO HIT
                                - C2: MODEL DELIVERY UNAVAILABLE: FILE CONDITION NOT MET
                                - C3: ADDRESS FORMATTED INCORRECTLY FOR ALTERNATE DATA SOURCE
                                - C4: NAME FORMATTED INCORRECTLY FOR ALTERNATE DATA SOURCE
                                - C5: BUSINESS NAME INVALID
                                - C6: XML FORMAT ERROR BETWEEN INTERNAL DATABASES 
                                - C7: INVALID ALTERNATE DATA SOURCE MBR NBR ON DATABASE SERVER
                                - C8: ALTERNATE DATA SOURCE MBR NBR NOT AUTHORIZED ON DATABASE
                                - C9: INVALID SECURITY CODE FOR ALTERNATE DATA SRCE ON DATABASE
                                - CC: NOT AUTHORIZED TO RECEIVE INSIGHT SCORES
                                - CD: INVALID PRODUCT CONFIGURATION FOR INSIGHT SCORES
                                - CE: ALTERNATE DATA SOURCE ERROR - MAX OF 4 ADDRESSES ALLOWED
                                - CF: INVALID ONLINE MATCH CONFIGURATION FOR INSIGHT SCORE
                                - CG: ALTERNATE DATA SRC ERROR - NO CONSUMER SRCH FIELDS PROVIDED
                                - CH: MISSING REQUIRED FIELDS FOR INTERNAL DATABASE SEARCH
                                - CJ: INTERNAL DATABASE ERROR - PLEASE TRY LATER OR CONTACT EFX
                                - CK: INTERNAL MDB LAYOUT ERROR
                                - CL: RETRY TRANSACTION TRANSIENT ERROR
                                - CQ: INTERNAL PROCESSING ERROR PLEASE TRY LATER OR CONTACT EFX
                                - CS: MODEL SERVER ERROR PLEASE TRY AGAIN LATER OR CONTACT EFX
                                - CT: INTERNAL CUSTOMER ID ERROR
                                - CX: HTTP ERROR RETURNED TO OMS FROM NC+/CONNEXUS
                                - CZ: RETRY TRANSACTION - IF ERROR CONTINUES, CONTACT EQUIFAX
                                - L0: MODEL DELIVERY IS NOT AVAILABLE: SUBJECT DECEASED
                                - N1: INQUIRY ONLY FILE
                                - R0: MODEL DELIVERY IS NOT AVAILABLE: INSUFFICIENT INFORMATION TO SCORE
                                - X7: MODEL DELIVERY IS TEMPORARILY UNAVAILABLE
                              
                              Reject Codes corresponding to Model Number 05168
                                - B: RISKWISE AUTHORIZATION REQUIRED - CONTACT YOUR SALES REP
                                - R: DATA SOURCE CURRENTLY UNAVAILABLE
                                - S: DATA SOURCE CURRENTLY UNAVAILABLE
                                - T: REQUESTED PRODUCT UNAVAILABLE, CONTACT SALES REP
                                - U: UNABLE TO ACCESS DATA SOURCE
                                - V: UNABLE TO ACCESS DATA SOURCE
                                - W: DATA SOURCE IS TEMPORARILY OUT OF SERVICE
                                - X: DATA SOURCE IS TEMPORARILY OUT OF SERVICE
                                - Y: REQUIRED DATA NOT PRESENT
                                - Z: REQUIRED DATA NOT PRESENT 04
                              
                              Reject Codes corresponding to Model Number 05271
                                - A1: MODEL DELIVERY NOT AVAILABLE: FILE UNDER REVIEW
                                - C1: MODEL DELIVERY NOT AVAILABLE: NO QUALIFYING ACCOUNTS PRESENT. NO HIT
                                - L0: MODEL DELIVERY NOT AVAILABLE: SUBJECT DECEASED
                                - R0: MODEL DELIVERY NOT AVAILABLE: INSUFFICIENT INFORMATION TO SCORE
                              
                              Reject Codes corresponding to Model Number 05274
                                - 01: DECEASED ON CREDIT, NCTUE AND LEXISNEXIS
                                - 02: DECEASED ON CREDIT AND NCTUE
                                - 03: DECEASED ON CREDIT AND LEXISNEXIS
                                - 04: DECEASED ON NCTUE AND LEXISNEXIS
                                - 05: DECEASED ON CREDIT
                                - 06: DECEASED ON NCTUE
                                - 07: DECEASED ON LEXISNEXIS
                                - 08: FILE IN REVIEW-CREDIT,FRAUD-NCTUE,IDENTITY THEFT -LEXISNEXIS
                                - 09: FILE IN REVIEW-CREDIT,FRAUD-NCTUE
                                - 10: FILE IN REVIEW-CREDIT,IDENTITY THEFT -LEXISNEXIS
                                - 11: FRAUD-NCTUE,IDENTITY THEFT -LEXISNEXIS
                                - 12: FILE IN REVIEW-CREDIT
                                - 13: FRAUD-NCTUE
                                - 14: IDENTITY THEFT -LEXISNEXIS
                                - 15: NO HIT-CREDIT,NO HIT-NCTUE,NO HIT-LEXISNEXIS
                                - 16: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,NO HIT-LEXISNEXIS
                                - 17: NO HIT-CREDIT,INQUIRY ONLY-NCTUE,NO HIT-LEXISNEXIS
                                - 18: INADEQUATE INFO-CREDIT,INQUIRY ONLY-NCTUE,NO HIT-LEXISNEXIS
                                - 19: NO HIT-CREDIT,BANKRUPTCY-NCTUE,NO HIT-LEXISNEXIS
                                - 20: INADEQUATE INFO-CREDIT,BANKRUPTCY-NCTUE,NO HIT-LEXISNEXIS
                                - 21: NO HIT-CREDIT,NO HIT-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 22: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 23: NO HIT-CREDIT,INQ ONLY-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 24: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 25: NO HIT-CREDIT,BKP-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 26: INADEQUATE INFO-CREDIT,BKP-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 27: NO HIT-CREDIT,NO HIT-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 28: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 29: NO HIT-CREDIT,INQ ONLY-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 30: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 31: NO HIT-CREDIT,BKP-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 32: INADEQUATE INFO-CREDIT,BKP-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 33: NO HIT-CREDIT,NO HIT-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 34: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 35: NO HIT-CREDIT,INQ ONLY-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 36: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 37: NO HIT-CREDIT,BKP-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 38: INADEQUATE INFO-CREDIT,BKP-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 39: NO HIT-CREDIT,NO HIT-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 40: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 41: NO HIT-CREDIT,INQ ONLY-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 42: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 43: NO HIT-CREDIT,BKP-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 44: INADEQUATE INFO-CREDIT,BKP-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 45: NO HIT-CREDIT,NO HIT-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 46: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 47: NO HIT-CREDIT,INQ ONLY-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 48: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 49: NO HIT-CREDIT,BKP-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 50: INADEQUATE INFO-CREDIT,BKP-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - A1: **NOT AVAILABLE, FILE UNDER REVIEW
                                - C1: MODEL DELIVERY IS NOT AVAILABLE: NO QUALIFYING ACCOUNTS PRESENT. NO HIT
                                - C2: MODEL DELIVERY UNAVAILABLE, FILE CONDITION NOT MET
                                - C3: ADDRESS FORMATTED INCORRECTLY FOR ALTERNATE DATA SOURCE
                                - C4: NAME FORMATTED INCORRECTLY FOR ALTERNATE DATA SOURCE
                                - C5: BUSINESS NAME INVALID
                                - C6: XML FORMAT ERROR BETWEEN INTERNAL DATABASES 
                                - C7: INVALID ALTERNATE DATA SOURCE MBR NBR ON DATABASE SERVER
                                - C8: ALTERNATE DATA SOURCE MBR NBR NOT AUTHORIZED ON DATABASE
                                - C9: INVALID SECURITY CODE FOR ALTERNATE DATA SRCE ON DATABASE
                                - CC: NOT AUTHORIZED TO RECEIVE INSIGHT SCORES
                                - CD: INVALID PRODUCT CONFIGURATION FOR INSIGHT SCORES
                                - CE: ALTERNATE DATA SOURCE ERROR - MAX OF 4 ADDRESSES ALLOWED
                                - CF: INVALID ONLINE MATCH CONFIGURATION FOR INSIGHT SCORE
                                - CG: ALTERNATE DATA SRC ERROR - NO CONSUMER SRCH FIELDS PROVIDED
                                - CH: MISSING REQUIRED FIELDS FOR INTERNAL DATABASE SEARCH
                                - CJ: INTERNAL DATABASE ERROR - PLEASE TRY LATER OR CONTACT EFX
                                - CK: INTERNAL MDB LAYOUT ERROR
                                - CL: RETRY TRANSACTION TRANSIENT ERROR
                                - CQ: INTERNAL PROCESSING ERROR PLEASE TRY LATER OR CONTACT EFX
                                - CS: MODEL SERVER ERROR PLEASE TRY AGAIN LATER OR CONTACT EFX
                                - CT: INTERNAL CUSTOMER ID ERROR
                                - CX: HTTP ERROR RETURNED TO OMS FROM NC+/CONNEXUS
                                - CZ: RETRY TRANSACTION - IF ERROR CONTINUES, CONTACT EQUIFAX
                                - L0: MODEL DELIVERY IS NOT AVAILABLE: SUBJECT DECEASED
                                - R0: MODEL DELIVERY IS NOT AVAILABLE: INSUFFICIENT INFORMATION TO SCORE
                              
                              Reject Codes corresponding to Model Number 05285
                                - A1: **NOT AVAILABLE, FILE UNDER REVIEW
                                - B0: INSUFFICIENT INFORMATION TO SCORE
                                - C1: MODEL DELIVERY IS NOT AVAILABLE: NO QUALIFYING ACCOUNTS PRESENT. NO HIT
                                - L0: MODEL DELIVERY IS NOT AVAILABLE: SUBJECT DECEASED
                                - N1: INQUIRY ONLY FILE
                                - R0: MODEL DELIVERY IS NOT AVAILABLE: INSUFFICIENT INFORMATION TO SCORE
                                - X7: MODEL DELIVERY IS TEMPORARILY UNAVAILABLE
                              
                              Reject Codes corresponding to Model Number 05264
                                - 01: DECEASED ON CREDIT, NCTUE AND LEXISNEXIS
                                - 02: DECEASED ON CREDIT AND NCTUE
                                - 03: DECEASED ON CREDIT AND LEXISNEXIS
                                - 04: DECEASED ON NCTUE AND LEXISNEXIS
                                - 05: DECEASED ON CREDIT
                                - 06: DECEASED ON NCTUE
                                - 07: DECEASED ON LEXISNEXIS
                                - 08: FILE IN REVIEW-CREDIT,FRAUD-NCTUE,IDENTITY THEFT-LEXISNEXIS
                                - 09: FILE IN REVIEW-CREDIT,FRAUD-NCTUE
                                - 10: FILE IN REVIEW-CREDIT,IDENTITY THEFT -LEXISNEXIS
                                - 11: FRAUD-NCTUE,IDENTITY THEFT -LEXISNEXIS
                                - 12: FILE IN REVIEW-CREDIT
                                - 13: FRAUD-NCTUE
                                - 14: IDENTITY THEFT -LEXISNEXIS
                                - 15: NO HIT-CREDIT,NO HIT-NCTUE,NO HIT-LEXISNEXIS
                                - 16: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,NO HIT-LEXISNEXIS
                                - 17: NO HIT-CREDIT,INQUIRY ONLY-NCTUE,NO HIT-LEXISNEXIS
                                - 18: INADEQUATE INFO-CREDIT,INQUIRY ONLY-NCTUE,NO HIT-LEXISNEXIS
                                - 19: NO HIT-CREDIT,BANKRUPTCY-NCTUE,NO HIT-LEXISNEXIS
                                - 20: INADEQUATE INFO-CREDIT,BANKRUPTCY-NCTUE,NO HIT-LEXISNEXIS
                                - 21: NO HIT-CREDIT,NO HIT-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 22: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 23: NO HIT-CREDIT,INQ ONLY-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 24: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 25: NO HIT-CREDIT,BKP-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 26: INADEQUATE INFO-CREDIT,BKP-NCTUE,FAIL CA VERIFY-LEXISNEXIS
                                - 27: NO HIT-CREDIT,NO HIT-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 28: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 29: NO HIT-CREDIT,INQ ONLY-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 30: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 31: NO HIT-CREDIT,BKP-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 32: INADEQUATE INFO-CREDIT,BKP-NCTUE,SECURITY FREEZE-LEXISNEXIS
                                - 33: NO HIT-CREDIT,NO HIT-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 34: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 35: NO HIT-CREDIT,INQ ONLY-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 36: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 37: NO HIT-CREDIT,BKP-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 38: INADEQUATE INFO-CREDIT,BKP-NCTUE,SECURITY ALERT-LEXISNEXIS
                                - 39: NO HIT-CREDIT,NO HIT-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 40: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 41: NO HIT-CREDIT,INQ ONLY-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 42: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 43: NO HIT-CREDIT,BKP-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 44: INADEQUATE INFO-CREDIT,BKP-NCTUE,DISPUTE ON FILE-LEXISNEXIS
                                - 45: NO HIT-CREDIT,NO HIT-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 46: INADEQUATE INFO-CREDIT,NO HIT-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 47: NO HIT-CREDIT,INQ ONLY-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 48: INADEQUATE INFO-CREDIT,INQ ONLY-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 49: NO HIT-CREDIT,BKP-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - 50: INADEQUATE INFO-CREDIT,BKP-NCTUE,INADEQUATE INFO-LEXISNEXIS
                                - A1: **NOT AVAILABLE, FILE UNDER REVIEW
                                - C1: NOT AVAILABLE: NO QUALIFYING ACCOUNTS PRESENT. NO HIT
                                - C6: XML FORMAT ERROR BETWEEN INTERNAL DATABASES
                                - C7: INVALID ALTERNATE DATA SOURCE MBR NBR ON DATABASE SERVER
                                - C8: ALTERNATE DATA SOURCE MBR NBR NOT AUTHORIZED ON DATABASE
                                - C9: INVALID SECURITY CODE FOR ALTERNATE DATA SRCE ON DATABASE
                                - CC: NOT AUTHORIZED TO RECEIVE INSIGHT SCORES
                                - CD: INVALID PRODUCT CONFIGURATION FOR INSIGHT SCORES
                                - CE: ALTERNATE DATA SOURCE ERROR - MAX OF 4 ADDRESSES ALLOWED
                                - CF: INVALID ONLINE MATCH CONFIGURATION FOR INSIGHT SCORE
                                - CG: ALTERNATE DATA SRC ERROR-NO CONSUMER SRCH FIELDS PROVIDED
                                - CH: MISSING REQUIRED FIELDS FOR INTERNAL DATABASE SEARCH
                                - CJ: INTERNAL DATABASE ERROR - PLEASE TRY LATER OR CONTACT EFX
                                - CK: INTERNAL MDS LAYOUT ERROR
                                - CL: RETRY TRANSACTION TRANSIENT ERROR
                                - CQ: INTERNAL PROCESSING ERROR PLEASE TRY LATER OR CONTACT EFX
                                - CS: MODEL SERVER ERROR PLEASE TRY AGAIN LATER OR CONTACT EFX
                                - CX: HTTP ERROR RETURNED TO OMS FROM NC+/CONNEXUS
                                - CZ: RETRY TRANSACTION . IF ERROR CONTINUES, CONTACT EQUIFAX
                                - L0: SUBJECT DECEASED INDICATED
                                - N1: INQUIRY ONLY FILE
                                - R0: MODEL DELIVERY IS NOT AVAILABLE: INSUFFICIENT INFORMATION TO SCORE
                                - X1: MODEL DELIVERY IS TEMPORARILY UNAVAILABLE: PROGRAM NOT DEFINED OR IN THE SYSTEM
                                - X3: MODEL DELIVERY IS TEMPORARILY UNAVAILABLE: TOO MANY INQUIRIES ON FILE
                                - X5: MODEL DELIVERY IS TEMPORARILY UNAVAILABLE: MODEL NEEDS INPUT FIELDS AND NONE WERE PROVIDED
                                - X7: MODEL DELIVERY IS TEMPORARILY UNAVAILABLE: FILE CANNOT BE SCORED
                              
                              Reject Codes corresponding to Model Number 05184
                                - C1: MODEL DELIVERY UNAVAILABLE, SCORE RANGE NOT MET
                                - C2: MODEL DELIVERY UNAVAILABLE, FILE CONDITION NOT MET
                                - C3: ADDRESS FORMATTED INCORRECTLY FOR ALTERNATE DATA SOURCE
                                - C4: NAME FORMATTED INCORRECTLY FOR ALTERNATE DATA SOURCE
                                - C5: BUSINESS NAME INVALID
                                - C6: XML FORMAT ERROR BETWEEN INTERNAL DATABASES
                                - C7: INVALID ALTERNATE DATA SOURCE MBR NBR ON DATABASE SERVER
                                - C8: ALTERNATE DATA SOURCE MBR NBR NOT AUTHORIZED ON DATABASE
                                - C9: INVALID SECURITY CODE FOR ALTERNATE DATA SRCE ON DATABASE
                                - CC: NOT AUTHORIZED TO RECEIVE INSIGHT SCORES
                                - CD: INVALID PRODUCT CONFIGURATION FOR INSIGHT SCORES
                                - CE: ALTERNATE DATA SOURCE ERROR - MAX OF 4 ADDRESSES ALLOWED
                                - CF: INVALID ONLINE MATCH CONFIGURATION FOR INSIGHT SCORE
                                - CG: ALTERNATE DATA SRC ERROR-NO CONSUMER SRCH FIELDS PROVIDED
                                - CH: MISSING REQUIRED FIELDS FOR INTERNAL DATABASE SEARCH
                                - CJ: INTERNAL DATABASE ERROR - PLEASE TRY LATER OR CONTACT EFX
                                - CK: INTERNAL MDB LAYOUT ERROR
                                - CL: RETRY TRANSACTION TRANSIENT ERROR
                                - CQ: INTERNAL PROCESSING ERROR PLEASE TRY LATER OR CONTACT EFX
                                - CS: MODEL SERVER ERROR PLEASE TRY AGAIN LATER OR CONTACT EFX
                                - CT: INTERNAL CUSTOMER ID ERROR
                                - CZ: RETRY TRANSACTION - IF ERROR CONTINUES, CONTACT EQUIFAX
                                
                    EDASRegionalIndicatorCode:
                      type: object
                      description: Numeric code associated with a geographic region
                      properties:
                        code:
                          type: string
                          maxLength: 1
                          description: Code value
                        
                        description:
                          type: string
                          description: >
                            
                             - 1: SOUTH
                             
                             - 2: WEST
                             
                             - 3: CENTRAL
                             
                             - 4: NORTHEAST
                      
                    EDASIndicatorCode:
                      type: object
                      description: The EDAS/FEDAS indicator
                      properties:
                        code:
                          type: string
                          maxLength: 1
                          description: Code value
                        
                        description:
                          type: string
                          description: >
                            
                            - E: Enhanced DAS
                            
                            - F: FACTA EDAS
                            
                            Enhanced Delinquency Alert System (EDAS) and FACTA Enhanced Delinquency Alert System (EDAS) are optional products offered by Equifax. Please contact your Equifax Sales Associate for additional information and activation of the Enhanced Delinquency Alert System (EDAS) option you desire.
                      
                    modelIDOrScorecard:
                      type: string
                      maxLength: 1
                      description: Scorecard that was used to produce the score returned
                    scoreNumberOrMarketMaxIndustryCode:
                      type: object
                      properties:
                        code:
                          type: string
                          maxLength: 1
                        description:
                          type: string
                          description: Either the number of model segments being returned or MarketMax 4.0 industry Code
                    numericScoreIndicator:
                      type: string
                      maxLength: 1
                      description: Indicates whether the score is positive or negative
              onlineDirectory:
                type: array
                minItems: 0
                maxItems: 99
                description: >
                  It is a convenient, value added feature that automatically delivers telephone numbers and upon request, addresses, of all collection, inquiries and trade segment companies shown on the report.
                  
                  
                  ON-LINE DIRECTORY is an optional product offered by Equifax. Please contact your Equifax Sales Associate for additional information and activation of your desired ON-LINE DIRECTORY option.
                items:
                  type: object
                  properties:
                    customerNumber:
                      type: string
                      maxLength: 10
                      description: Equifax customer number
                    customerName:
                      type: string
                      maxLength: 20
                      description: Customer's name
                    telephoneNumber:
                      $ref: '#/components/schemas/TelephoneNumber'
                    
                    addressLine1:
                      type: string
                      maxLength: 30
                      description: Customer address line 1
                    addressLine2:
                      type: string
                      maxLength: 30
                      description: Customer address line 2
                    city:
                      type: string
                      maxLength: 21
                      description: The city name
                    stateAbbreviation:
                      type: string
                      maxLength: 2
                      description: State name's abbreviation
                    zipCode:
                      type: string
                      maxLength: 10
                      description: Zip code
              identification: 
                type: object
                description: Information as to the subject's consumer report SSN and subject's SSN submitted in the inquiry
                properties: 
                  subjectAge: 
                    type: string
                    maxLength: 2
                    description: Subject's age
                  subjectSocialNum: 
                    type: string
                    maxLength: 9
                    description: Last four digits of the Social Security Number may be masked with zeros for specific customers or industry codes to secure the consumers SSN
                  socialNumConfirmed: 
                    type: string
                    maxLength: 1
                    description: >
                      "Confirmation" of the Social Security Number is defined as having been received by three (3) major data suppliers. The SSN Confirmed indicator does not mean or imply the Social Security number has been validated through the Social Security Administration's records.
                        
                        - Y: Yes
                        
                        - N: No
                        
                        - Blank: No inquiry SSN/Not available
                  socialMatchFlags: 
                    type: string
                    maxLength: 9
                    description: >
                      Social Match Flags* (one per SSN digit)
                       
                       - Y: Byte (digit) match
                       
                       - N: Byte (digit) Not a match
                       
                       - Blank: No inquiry SSN/Not available 
                      
                      
                      The field will not be returned on reports when the customer number is activated for "Social Security Number Protect" and the social security number in the inquiry does not match what is on the consumer report.
                      
                      
                      Social Match Flags is an optional service offered by Equifax. Please contact your Equifax Sales Associate for additional information and activation of the service.
                  inquirySocialNum: 
                    type: string
                    maxLength: 9
                    description: Inquiry social security number
                  inquirySocialNumStateIssued: 
                    type: string
                    maxLength: 2
                    description: >
                      State code where the SSN was issued.
                      
                      
                      It may contain a "RR", indicating that the SSN was issued to a railroad employe. Discontinued July 1, 1963.
                  inquirySocialNumYearIssued: 
                    type: string
                    maxLength: 4
                    example: ["YYYY","P 51"]
                    description: >
                      Inquiry SSN date issued
                        The actual year or "Prior to".
                        P 51 means Prior to 1951
                  inquirySocialNumYearOfDeath: 
                    type: string
                    maxLength: 4
                    example: ["YYYY","P 92"]
                    description: >
                      Inquiry SSN death date.
                        The actual year or "Prior to".
                        P 91 means Prior to 1991
                  inquirySocialNumStateOfDeath: 
                    type: string
                    maxLength: 2
                    description: If party is deceased this is the state it was reported in
                  socialNumMatch: 
                    type: string
                    maxLength: 1
                    description: >
                      Shows if the SSN match byte-to-byte
                      
                       - Y: Match
                       
                       - N: Not a match
                      
                      The field will not be returned on reports when the customer number is activated for "Social Security Number Protect" and the social security number in the inquiry does not match what is on the consumer report.
                      
                      SSN Match is an optional service offered by Equifax. Please contact your Equifax Sales Associate for additional information and activation of the service.
              attributes: 
                type: array
                minItems: 0
                maxItems: 99
                description: >
                  Contains attributes associated with customer specific models. A maximum of 99 Data Attribute can be returned.
                  
                  
                  Please contact your Equifax Sales Associate for additional information.
                items: 
                  type: object
                  description: Model Attribute data
                  properties: 
                    modelNumber: 
                      type: string
                      maxLength: 5
                      description: Model number
                    numberOfVariableFields:
                      type: string
                      maxLength: 2
                      description: Indicates the number of fields with variables being returned
                    attributes: 
                      type: array
                      description: Fields with variables being returned
                      items: 
                        type: object
                        properties: 
                          identifier: 
                            type: string
                            description: Variable identifier
                          value: 
                            type: string
                            description: Value of the variable
              onlineGeoCode:
                type: array
                description: >
                  Delivers the folowing codes:
                  
                   - Geo S M S A Code
                   
                   
                   - Geo State Code
                   
                   
                   - Geo County Code
                   
                   
                   - Geo Census Tract
                   
                   
                   - Geo Block Group
                  
                  
                  These codes will be returned for the current address.
                  
                  
                  Equifax will also return the Property Address Geo Code when it is included in the inquiry.
                  
                  
                  On Line GEO Code and Micro Vision are optional services offered by Equifax. Please contact your Equifax Sales Associate for additional information and activation.
                minItems: 0
                maxItems: 2
                items:
                  type: object
                  properties:
                    geoSMSACode:
                      type: string
                      maxLength: 4
                      description: Metropolitan Statistical Area Code
                    geoStateCode:
                      type: string
                      maxLength: 2
                      description: State code
                    geoCountyCode:
                      type: string
                      maxLength: 3
                      description: County code
                    geoCensusTract:
                      type: string
                      maxLength: 4
                      description: Census tract code
                    geoSuffix:
                      type: string
                      maxLength: 2
                      description: Census tract code suffix
                    geoBlockGroup:
                      type: string
                      maxLength: 1
                      description: Block group code.
                    streetNumber:
                      type: string
                      maxLength: 10
                      description: Street number
                    streetName:
                      type: string
                      maxLength: 26
                      description: Street name
                    streetTypeOrDirection:
                      type: string
                      maxLength: 21
                      description: Street Type or Direction - Drive, Street, Road, etc. East, West, etc
                    geoSMSA5DigitCode:
                      type: string
                      maxLength: 5
                      description: Standard Metropolitan Statistical Area Code
                    city:
                      type: string
                      maxLength: 20
                      description: City name
                    stateAbbreviation:
                      type: string
                      maxLength: 2
                      description: State name's abbreviation
                    zipCode:
                      type: string
                      maxLength: 9
                      description: Zip code
                    typeOfAddress:
                      type: object
                      description: Type of address
                      properties:
                        code: 
                          type: string
                          description: Code value
                          
                        description:
                          type: string
                          description: Description for the given code
                    returnCode1:
                      type: object
                      description: Return code 1
                      properties:
                        code: 
                          type: string
                          description: Code value
                          
                        description:
                          type: string
                          description: Description for the given code
                    returnCode2:
                      type: object
                      description: Return code 2
                      properties:
                        code: 
                          type: string
                          description: Code value
                          
                        description:
                          type: string
                          description: Description for the given code
                    returnCode3:
                      type: object
                      description: Return code 3
                      properties:
                        code: 
                          type: string
                          description: Code value
                          
                        description:
                          type: string
                          description: Description for the given code
                    returnCode4:
                      type: object
                      description: Return code 4
                      properties:
                        code: 
                          type: string
                          description: Code value
                          
                        description:
                          type: string
                          description: Description for the given code
                    microVisionCode:
                      type: string
                      maxLength: 2
                    microVisionReturnCode:
                      type: string
                      maxLength: 1
              fraudOrVerificationAlert:
                $ref: '#/components/schemas/FraudOrVerificationAlert'
              OFACAlerts: 
                $ref: '#/components/schemas/OFACAlerts'
              consumerReferralLocation: 
                type: object
                description: Provides contact information regarding the data contained in the report
                properties: 
                  bureauCode: 
                    type: string
                    maxLength: 3 
                    description: Refereal Bureau Code
                  bureauName: 
                    type: string
                    maxLength: 50
                    description: Referral Bureau Name
                  address: 
                    type: object
                    properties: 
                      primaryAddress: 
                        type: string
                        maxLength: 50
                        description: Referral Bureau primary address
                      secondaryAddress: 
                        type: string
                        maxLength: 50
                        description: Referral Bureau secondary address
                      cityName: 
                        type: string
                        maxLength: 20
                        description: City name
                      stateAbbreviation: 
                        type: string
                        maxLength: 2
                        description: State name's abbreviation
                      zipCode: 
                        type: string
                        maxLength: 9
                        description: Zip code
                  telephoneNumber: 
                    type: object
                    description: Telephone number including a valid area code
                    properties:
                      TelephoneNumber: 
                        type: string
                        maxLength: 10
                    
              alternateDataSources:
                type: object
                description: >
                  Contains the output data for the Optional Alternate Data Sources. These Alternate Data Sources are:
                  
                  - Military Lending Covered Borrower Status
                  
                  - North American Link
                  
                  - FraudIQ® Synthetic ID Alert
                  
                  - Impacted Data Indicator
                  
                properties:
                  alternateDataSourceErrorMessage:
                    type: array
                    description: >
                      It's returned whenever it encounters a communication problem or an error with the request of an Alternate Data Source. A separate "DERR" element will be returned per Data Source. 
                      
                      DERR: Alternate Data Source Message Response
                       
                      CODE DESCRIPTION:
                        - 2001: COMMUNICATION ERROR
                        - 2002: COMMUNICATION ERROR
                        - 2003: COMMUNICATION ERROR
                        - 2004: COMMUNICATION ERROR
                        - 2005: COMMUNICATION ERROR
                        - 2006: COMMUNICATION ERROR
                        - 2007: COMMUNICATION ERROR
                        - 2008: COMMUNICATION ERROR
                        - 2009: COMMUNICATION ERROR
                        - 2010: COMMUNICATION ERROR
                        - 2011: COMMUNICATION ERROR
                        - 2012: COMMUNICATION ERROR
                        - 2013: COMMUNICATION ERROR
                        - 2014: COMMUNICATION ERROR
                        - 2015: COMMUNICATION ERROR
                        - 2016: COMMUNICATION ERROR
                        - 2017: COMMUNICATION ERROR
                        - 2018: COMMUNICATION ERROR
                        - 2019: COMMUNICATION ERROR
                        - 2020: COMMUNICATION ERROR
                        - 2021: COMMUNICATION ERROR
                        - 2022: COMMUNICATION ERROR
                        - 2023: COMMUNICATION ERROR
                        - 2024: COMMUNICATION ERROR
                        - 2025: COMMUNICATION ERROR
                    minItems: 0
                    maxItems: 99
                    items:
                      type: object
                      description: Returned if an error occurs 
                      properties:
                        customerReferenceNumber:
                          type: string
                          maxLength: 20
                          description: This field will return the same value provided in the request
                        customerNumber:
                          type: string
                          maxLength: 10
                          description: This field returns the same value provided in the request
                        errorType:
                          type: string
                          example: ["DERR"] 
                        alternateDataSourceCode:
                          type: array
                          minItems: 0
                          maxItems: 99
                          items:
                            type: object
                            properties:
                              code: 
                                type: string
                                maxLength: 2
                                description: Code value
                              description:
                                type: string
                                description: Description for the given code

                              errorCodes:
                                type: array
                                description: Container for all the errors returned by the Alternate Data Sources
                                minItems: 0
                                maxItems: 4
                                items:
                                  type: object
                                  description: Describes the error
                                  properties:
                                    verbiage: 
                                      type: string
                                      maxLength: 26
                                      description: Verbiage returned for error code
                              
                                    errorText:
                                      type: string
                                      maxLength: 80
                                      description: Error description
                                
                  militaryLendingCoveredBorrower:
                    type: object
                    description: Provides information relating to the Military Lending Act – MLA Covered Borrower Status.
                    properties:
                      regulatedIdentifier:
                        type: string
                        maxLength: 2
                        description: RG - indicates that this is Regulated Data
                      disclaimer:
                        type: string
                        maxLength: 500
                        description: >
                          Diclaimer Text
                          
                          THE DEPARTMENT OF DEFENSE ("DOD") COVERED BORROWER DATA
                          ("DATA") IS FROM THE DEFENSE MANPOWER DATA CENTER ("DMDC") BY WAY OF
                          CONTRACT BETWEEN EQUIFAX INFORMATION SERVICES LLC ("EQUIFAX") AND
                          DOD. ALL DOD DATA IS USED AND STORED BY EQUIFAX IN ACCORDANCE WITH ITS
                          LEGAL AND CONTRACTUAL OBLIGATIONS. THE DOD DATA IS NOT PART OF
                          EQUIFAX’S NATIONWIDE CREDIT DATABASE, AND EQUIFAX IS REQUIRED TO
                          MAINTAIN THE DOD DATA SEPARATE FROM AND NOT COMMINGLED WITH ANY
                          CREDIT DATA MAINTAINED BY EQUIFAX.
                      coveredBorrowerStatus:
                        type: string
                        maxLength: 1
                        description: Yes or No in Military
                      insufficientDataProvidedForMatch:
                        type: string
                        maxLength: 1
                        description: Insufficient data provided for match
                      referralContactNumber:
                        type: string
                        maxLength: 12
                        description: Contact number for MLA 
                  northAmericanLink:
                    type: object
                    description: NAL - Canadian Credit Report for Consumer's Canadian Address
                    properties:
                      regulatedIdentifier:
                        type: string
                        maxLength: 2
                        description: \'RG\' for Regulated Data Source
                      hitNohitIndicator:
                        type: string
                        maxLength: 1
                        description: If there was a responce back from the data source or not 
                      INTL5FFFConsumerReport:
                        type: string
                        description: Contents of the Canadian Report returned 
                  fraudIQSyntheticIDAlerts:
                    type: object
                    description: FraudIQ Synthetic ID Alerts provide real‐time alerts that help determine if the identity presented is real or synthetic
                    properties:
                      nonRegulatedIdentifier:
                        type: string
                        maxLength: 2
                        description: \'NR\' Non Regulated Data Source 
                      hitNohitIndicator:
                        type: string
                        maxLength: 1
                        description: If there was a responce back from the data source or not 
                      disclaimer:
                        type: string
                        maxLength: 1600
                        description: >
                          DISCLAIMER:[SYNTHETIC ID ALERT] 
                          
                          Indicator is for identity fraud risk alert purposes only and is not
                          to be used for determining an individual’s eligibility
                          for any credit or any other FCRA permissible
                          purpose. Client shall use the [SYNTHETIC ID ALERT] 
                          exclusively within Client’s own organization
                          for the purpose of identity fraud prevention. 
                          Accordingly, Client will not use an alert
                          or warning message from the [SYNTHETIC ID
                          ALERT] system in its decision-making process for
                          denying credit, but will use the message as an
                          indication that the consumer's identity and
                          personally identifiable information should be
                          independently verified to form a reasonable belief
                          that it knows the true identity of the consumer.
                          Client understands that the information supplied by
                          [SYNTHETIC ID ALERT] may or may not apply to
                          the consumer who has applied to Client for credit,
                          service, dealings, or other financial transactions.
                          Client also understands and agrees that data from
                          the [SYNTHETIC ID ALERT] system is proprietary
                          to Equifax and shall not be used as a component of
                          any database or file built or maintained by
                          Client. The use of such data shall be limited to the
                          specific transaction for which the [SYNTHETIC ID
                          ALERT] message is provided. Equifax may, by
                          written notice to Client, immediately terminate the
                          Client’s agreement for service or suspend the
                          [SYNTHETIC ID ALERT] service if Equifax has a
                          reasonable belief that Client has violated the terms
                          of this disclaimer or the agreement for service.
                      finalAssessmentFlag:
                        type: string
                        maxLength: 1
                        description: >
                          Final Synthetic ID Alert assessment will be Y if either Authorized User Velocity (AUV) Flag or ID Discrepancy Flag are Y
                      authorizedUserVelocityFlag:
                        type: string
                        maxLength: 1
                        description: >
                          Flag will be Y if combination of Number Authorized users & Number Terminated trades meets the defined criteria for the AUV Flag
                      idDiscrepancyFlag:
                        type: string
                        maxLength: 1
                        description: >
                          Flag will be Y if it meets the defined criteria for the current Identity discrepancy attributes (based on patterns exhibited by synthetic fraudsters and identity mismatches between authorized users and primary account holders like count of last name mismatches, etc)
                      numberOfAuthorizedUsers:
                        type: string
                        maxLength: 2
                        description: Count of active Authorized Users potentially associated with consumer
                      numberOfTerminatedUsers:
                        type: string
                        maxLength: 2
                        description: Count of Terminated Trades potentially associated with consumer
                  impactedDataIndicator:
                    type: object
                    description: Indicates if the consumer was impacted by the Equifax security incident
                    properties:
                      nonRegulatedIdentifier:
                        type: string
                        maxLength: 2
                        description: \'NR\' Non Regulated Data Source
                      hitNohitIndicator:
                        type: string
                        maxLength: 1
                        description: If there was a responce back from the data source or not
                      disclaimer:
                        type: string
                        maxLength: 1400
                        description: >
                          DISCLAIMER:
                          
                          THE IMPACTED DATA INDICATOR IS A
                          FRAUD TOOL AND INFORMATION SERVICE BASED
                          ON INFORMATION THAT WAS NOT COLLECTED, IN
                          WHOLE OR IN PART, FOR THE PURPOSE OF
                          SERVING AS A FACTOR IN ESTABLISHING A
                          CONSUMER’S ELIGIBILITY FOR CREDIT OR
                          INSURANCE TO BE USED PRIMARILY FOR
                          PERSONAL, FAMILY OR HOUSEHOLD PURPOSES;
                          EMPLOYMENT PURPOSES; OR ANY OTHER
                          PURPOSE AUTHORIZED UNDER THE FCRA.
                          ACCORDINGLY, CLIENT WILL NOT USE IMPACTED
                          DATA INDICATOR (I)AS PART OF ITS DECISIONMAKING
                          PROCESS FOR DETERMINING THE
                          CONSUMER’S ELIGIBILITY FOR CREDIT OR ANY
                          OTHER FCRA PERMISSIBLE PURPOSE OR (II) IN ANY
                          MANNER FOR THE PURPOSE OF TAKING “ADVERSE
                          ACTION” AGAINST A CONSUMER, AS DEFINED IN
                          THE EQUAL CREDIT OPPORTUNITY ACT AND
                          REGULATION B. CLIENT MAY ONLY USE THE
                          IMPACTED DATA INDICATOR,‘FLAGS’, INDICATORS
                          OR OTHER WARNING MESSAGE FROM THE
                          IMPACTED DATA INDICATOR AS AN INDICATION
                          THAT THE CONSUMER’S APPLICATION
                          INFORMATION SHOULD BE INDEPENDENTLY
                          VERIFIED PRIOR TO A CREDIT DECISION OR ANY
                          OTHER PURPOSE AUTHORIZED UNDER THE FCRA.
                          DUE TO THE METHOD OF MATCHING THE IMPACT
                          FILE TO THE INPUT LIST, THE PRESENCE OF A FLAG
                          (OR LACK OF FLAG) DOES NOT NECESSARILY MEAN
                          A CONSUMER’S INFORMATION WAS IMPACTED (OR
                          NOT IMPACTED).
                      nameLikelyImpacted:
                        type: string
                        maxLength: 1
                        description: >
                          Indicates id the name information was impacted.
                          
                          
                          - Y: Likely impacted
                          
                          - N: Unlikely impacted
                          
                          - U: Impact cannot be determined
                      addressLikelyImpacted:
                        type: string
                        maxLength: 1
                        description: >
                          Indicates id the address information was impacted.
                          
                          
                          - Y: Likely impacted
                          
                          - N: Unlikely impacted
                          
                          - U: Impact cannot be determined
                      socialNumLikelyImpacted:
                        type: string
                        maxLength: 1
                        description: >
                          Indicates id the social security number was impacted.
                          
                          
                          - Y: Likely impacted
                          
                          - N: Unlikely impacted
                          
                          - U: Impact cannot be determined
                      DOBLikelyImpacted:
                        type: string
                        maxLength: 1
                        description: >
                          Indicates id the date of birth information was impacted.
                          
                          
                          - Y: Likely impacted
                          
                          - N: Unlikely impacted
                          
                          - U: Impact cannot be determined
                      driversLicenseLikelyImpacted:
                        type: string
                        maxLength: 1
                        description: >
                          Indicates id the driver's license information was impacted.
                          
                          
                          - Y: Likely impacted
                          
                          - N: Unlikely impacted
                          
                          - U: Impact cannot be determined
          
  
  examples:
    CreditReportRequest:
      value:
        consumers:
          name:
          - identifier: current
            firstName: SHEMICA
            lastName: XXSHJF
            middleName: FAYE
            suffix: X
          socialNum:
          - identifier: current
            number: '666795307'
          dateOfBirth: 04281987
          age: '42'
          addresses:
          - identifier: current
            houseNumber: '7249'
            streetName: PAJJ ZAFW
            streetType: LN
            apartmentNumber: '12'
            city: HUMBLE
            state: TX
            zip: '77396'
          - identifier: former
            houseNumber: '4576'
            streetName: APJ ZAFW
            streetType: LN
            apartmentNumber: '12'
            city: HUMBLE
            state: GA
            zip: '77396'
          phonenumbers:
          - identifier: current
            number: '4585856325'
          employments:
            occupation: VELLA
            employerName: XYZ
          driverLicenseNumber: sfsgfs76767sfsf
        customerReferenceIdentifier: JSON-T2
        customerConfiguration:
          equifaxUSConsumerCreditReport:
            memberNumber: 999XX00000
            securityCode: "XXX"
            codeDescriptionRequired: true
            models:
            - identifier: 05391
            endUserInformation:
              endUsersName: ALABASTER INC
              permissiblePurposeCode: '01'
            customerCode: BQ81
            multipleReportIndicator: F
            ECOAInquiryType: Individual
            optionalFeatureCode:
            - F
            vendorIdentificationCode: FI
            riskModelCodeOnly: '^'

    
    CreditReportResponse:
      value:
        status: completed
        consumers:
          equifaxUSConsumerCreditReport:
          - identifier: Individual Report 1
            customerReferenceNumber: JSON-T2
            customerNumber: 999XX00000
            consumerReferralCode: '300'
            multipleReportIndicator: F
            ECOAInquiryType: I
            outputFormatCode: T2
            hitCode:
              code: '1'
              description: Hit
            fileSinceDate: '11012001'
            lastActivityDate: '09072019'
            reportDate: '10082019'
            subjectName: 
              firstName: SHEMICA
              lastName: XXSHJF
              middleName: FAYE
            subjectSocialNum: '666795307'
            birthDate: '09281988'
            doNotCombineIndicator: C
            addressDiscrepancyIndicator: N
            fraudVictimIndicator:
              code: V
              description: Fraud Victim Initial Alert
            addresses:
            - addressType: current
              houseNumber: '7249'
              streetName: PAJJ ZAFW
              streetType: LN
              cityName: HUMBLE
              stateAbbreviation: TX
              zipCode: '77396'
              sourceOfAddress:
                code: C
                description: EQUIFAX
              dateFirstReported: '02002018'
              dateLastReported: '09082019'
              primaryAddress: 7249 PAJJ ZAFW LN
            - addressType: former
              houseNumber: '3981'
              streetName: OVNYH
              streetType: RD
              cityName: HOUSTON
              stateAbbreviation: TX
              zipCode: '77053'
              sourceOfAddress:
              - code: C
                description: EQUIFAX
              dateFirstReported: '02002018'
              dateLastReported: '09102019'
              addressLine1: 3981 OVNYH RD
            - addressType: F2
              houseNumber: '2323'
              streetName: LYVVMQHVS
              streetType: ST
              cityName: HOUSTON
              stateAbbreviation: TX
              zipCode: '77045'
              sourceOfAddress:
              - code: C
                description: EQUIFAX
              dateFirstReported: '08002016'
              dateLastReported: '09072019'
              addressLine1: 2323 LYVVMQHVS ST
            - addressType: F2
              houseNumber: '3288'
              streetName: VJC QDISAQU
              streetType: TRL
              cityName: HOUSTON
              stateAbbreviation: TX
              zipCode: '77054'
              sourceOfAddress:
              - code: T
                description: AUT**
              dateFirstReported: '07002016'
              dateLastReported: '07042016'
              addressLine1: 3288 VJC QDISAQU TRL
            - addressType: F2
              houseNumber: '42483'
              streetName: RIJJQZAFW
              streetType: LN APT 49
              cityName: HOUSTON
              stateAbbreviation: TX
              zipCode: '77077'
              sourceOfAddress:
              - code: C
                description: EQUIFAX
              dateFirstReported: '07002016'
              dateLastReported: '09072019'
              addressLine1: 42483 RIJJQZAFW LN APT 49
            - addressType: F2
              houseNumber: '5887'
              streetName: LFJJIAYF
              streetType: BLVD APT 243
              cityName: HOUSTON
              stateAbbreviation: TX
              zipCode: '77081'
              sourceOfAddress:
              - code: T
                description: AUT**
              dateFirstReported: '05002016'
              dateLastReported: '05062016'
              addressLine1: 5887 LFJJIAYF BLVD APT 243
            - addressType: F2
              houseNumber: '3981'
              streetName: HARRISK
              streetType: DR
              cityName: HOUSTON
              stateAbbreviation: TX
              zipCode: '77045'
              sourceOfAddress:
              - code: T
                description: AUT**
              dateFirstReported: '04002016'
              dateLastReported: '07092019'
              addressLine1: 3981 HARRISK DR
            - addressType: F2
              houseNumber: '43349'
              streetName: VYPISCK
              streetType: ST
              cityName: HOUSTON
              stateAbbreviation: TX
              zipCode: '77085'
              sourceOfAddress:
              - code: C
                description: EQUIFAX
              dateFirstReported: '04002016'
              dateLastReported: '12062016'
              addressLine1: 43349 VYPISCK ST
            - addressType: F2
              houseNumber: '43118'
              streetName: YVCFV QBNIYF
              streetType: DR
              cityName: HOUSTON
              stateAbbreviation: TX
              zipCode: '77072'
              sourceOfAddress:
              - code: C
                description: EQUIFAX
              dateFirstReported: '04002016'
              dateLastReported: '12062016'
              addressLine1: 43118 YVCFV QBNIYF DR
            formerNames:
            - lastName: XXSHJF
              firstName: FAYE
            employments:
            - identifier: current
              occupation: HFIP JFICFY
              employer: IAX
            - identifier: former
              occupation: QFYZAOF QDFOAIJAQH
              employer: IAX
            bankruptcies:
            - customerNumber: 605VF49449
              type: I
              filer: I
              industryCode: VF
              currentIntentOrDispositionCode:
              - code: K
                description: DISMSD/CLSD CH13
              dispositionDate: '1217'
              dateFiled: '09212017'
              currentDispositionDate: '12062017'
              dateReported: '12072017'
            - customerNumber: 605VF49449
              type: I
              filer: I
              industryCode: VF
              currentIntentOrDispositionCode:
              - code: C
                description: CH-13 FILED
              dispositionDate: '0917'
              dateFiled: '05272017'
              currentDispositionDate: '09212017'
              dateReported: '09222017'
            collections:
            - customerNumber: 683YC02136
              clientNameOrNumber: SPEEDY CASH 67
              statusCode:
              - code: D
                description: UNPAID
              narrativeCodes:
              - code: IP
                description: CONSUMER DISPUTES THIS ACCOUNT INFORMATION
              rawNarrativeCodes:
              - IP
              indicator: "*"
              dateReported: '09032019'
              dateAssigned: '05162016'
              originalAmount: 897
              statusDate: '09032019'
              balance: 867
              dateOfFirstDelinquency: '03102016'
              accountDesignatorCode:
              - code: I
                description: Individual Account
              creditorClassificationCode:
              - code: '12'
                description: FINANCIAL
            - customerNumber: 668YC51199
              clientNameOrNumber: TARA ENERGY
              statusCode:
              - code: D
                description: UNPAID
              indicator: "*"
              dateReported: '09112019'
              dateAssigned: '09112019'
              originalAmount: 571
              statusDate: '09112019'
              balance: 571
              dateOfFirstDelinquency: '11282018'
              accountDesignatorCode:
              - code: I
                description: Individual Account
              creditorClassificationCode:
              - code: '10'
                description: UTILITIES
            alertContacts:
            - dateReported: '09162019'
              effectiveDate: '09162019'
              telephoneNumbers: 
            - telephoneNumberType:
              - code: D
                description: Daytime
              telephoneNumber: '8325551212'
            - telephoneNumberType:
              - code: E
                description: Evening
              telephoneNumber: '8325551212'
            trades:
            - termsAsNumeric: 26
              automatedUpdateIndicator: "*"
              monthsReviewed: '01'
              accountDesignator:
              - code: I
                description: Individual Account
              accountNumber: '390'
              customerName: HOUSTON FINANCE
              dateReported: '09082019'
              dateOpened: '09032019'
              highCredit: 213
              balance: 213
              pastDueAmount: 54
              portfolioTypeCode:
              - code: I
                description: Instalment (fixed number of payments)
              rate:
              - code: 3
                description: Not more than three payments past due
              narrativeCodes:
              - code: EP
                description: FIXED RATE
              rawNarrativeCodes:
              - EP
              accountTypeCode:
              - code: '01'
                description: Unsecured
              lastPaymentDate: '09002019'
              scheduledPaymentAmount: 26
              termsDurationCode:
              - code: 8M
                description: Months
            - termsAsNumeric: 38
              automatedUpdateIndicator: "*"
              monthsReviewed: '01'
              accountDesignator:
              - code: I
                description: Individual Account
              accountNumber: '000000791Z000'
              customerName: WESTERN SHAMROCK
              dateReported: '09282019'
              dateOpened: '08142019'
              highCredit: 190
              balance: 190
              pastDueAmount: 96
              portfolioTypeCode:
              - code: I
                description: Instalment (fixed number of payments)
              rate:
              - code: 2
                description: Not more than two payments past due
              narrativeCodes:
              - code: EP
                description: FIXED RATE
              - code: JO
                description: NOTE LOAN
              rawNarrativeCodes:
              - EP
              - JO
              accountTypeCode:
              - code: '20'
                description: Note Loan
              lastPaymentDate: '08002019'
              scheduledPaymentAmount: 38
              termsFrequencyCode:
              - code: M
                description: Monthly (due every month)
              termsDurationCode:
              - code: 5M
                description: Months
              paymentHistory1to24: '1'
            - termsAsNumeric: 498
              automatedUpdateIndicator: "*"
              monthsReviewed: '05'
              accountDesignator:
              - code: I
                description: Individual Account
              accountNumber: 0000222 000
              customerName: STERLING CREDIT CORP
              dateReported: '09282019'
              dateOpened: '08282018'
              highCredit: 20931
              balance: 12513
              portfolioTypeCode:
              - code: I
                description: Instalment (fixed number of payments)
              rate:
              - code: 1
                description: Pays account as agreed
              accountTypeCode:
              - code: '00'
              lastPaymentDate: '09002019'
              scheduledPaymentAmount: 498
              termsFrequencyCode:
              - code: M
                description: Monthly (due every month)
              termsDurationCode:
              - code: 42M
                description: Months
              paymentHistory1to24: 111*1*******/*
            - termsIdentifier: M
              automatedUpdateIndicator: "*"
              monthsReviewed: '32'
              accountDesignator:
              - code: I
                description: Individual Account
              accountNumber: '71000'
              thirtyDayCounter: 0
              sixtyDayCounter: 0
              ninetyDayCounter: 8
              previousHighRate1: 9
              previousHighDate1: '082019'
              previousHighRate2: 9
              previousHighDate2: '072019'
              previousHighRate3: 9
              previousHighDate3: '062019'
              24MonthPaymentHistory: 9999*9*99***/************
              customerName: CRESCENT BANK & TRUS
              dateReported: '09012019'
              dateOpened: '07082015'
              balance: 25631
              pastDueAmount: 25631
              portfolioTypeCode:
              - code: I
                description: Instalment (fixed number of payments)
              rate:
              - code: 9
                description: Charge-off
              narrativeCodes:
              - code: DB
                description: CHARGED OFF ACCOUNT
              rawNarrativeCodes:
              - DB
              accountTypeCode:
              - code: '00'
              lastPaymentDate: '09002016'
              dateMajorDelinquencyFirstReported: '04002017'
              termsDurationCode:
              - code: 1M
                description: Months
              originalChargeOffAmount: 16284
              paymentHistory1to24: 999999*9*99*/************
              previousHighRatePaymentHistory: '5'
              previousHighDatePaymentHistory: '012017'
            - termsAsNumeric: 95
              automatedUpdateIndicator: "*"
              monthsReviewed: '01'
              accountDesignator:
              - code: I
                description: Individual Account
              accountNumber: '8879000'
              customerName: 'WORLD FINANCE #473'
              dateReported: '09282019'
              dateOpened: '08142019'
              highCredit: 760
              balance: 760
              pastDueAmount: 315
              portfolioTypeCode:
              - code: I
                description: Instalment (fixed number of payments)
              rate:
              - code: 2
                description: Not more than two payments past due
              accountTypeCode:
              - code: '02'
                description: Secured
              scheduledPaymentAmount: 95
              termsFrequencyCode:
              - code: M
                description: Monthly (due every month)
              termsDurationCode:
              - code: 8M
                description: Months
              paymentHistory1to24: '1'
            - termsAsNumeric: 68
              automatedUpdateIndicator: "*"
              monthsReviewed: '02'
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              streetName: PAJJ ZAFW
              streetTypeOrDirection: LN APT 12
              city: HUMBLE
              stateAbbreviation: TX
              zipCode: '77396'
              typeOfAddress:
              - code: CA
                description: Inq Current (the inquiry is about the current address)
              returnCode1:
              - code: '1'
                description: GEO info not found ZIP missing or zeros
              returnCode2:
              - code: '0'
                description: No match of block group
              returnCode3:
              - code: '0'
                description: No match of census track
              returnCode4:
              - code: '0'
                description: No match of enumeration district
            consumerReferralLocation:
              bureauCode: '300'
              bureauName: EQUIFAX INFORMATION SERVICES LLC
              address:
                primaryAddress: P O BOX 740241
                cityName: ATLANTA
                stateAbbreviation: GA
                zipCode: '303740241'
              telephoneNumber:
                telephoneNumber: '8006851111'

    '400.00':
      value:
        efxErrorCode: '400.00'
        description: Please refer to additionalErrorDetails
        additionalErrorDetails: {}
        
    '400.01':
      value:
        efxErrorCode: '400.01'
        description: Invalid JSON payload
        
    '400.02':
      value:
        efxErrorCode: '400.02'
        description: Missing Content-type header
        
    '401.01':
      value:
        efxErrorCode: '401.01'
        description: Access Token Expired
        
    '401.02':
      value:
        efxErrorCode: '401.02'
        description: Missing mandatory parameters
        
    '401.03':
      value:
        efxErrorCode: '401.03'
        description: Invalid mandatory parameters.
       
    '401.04':
      value:
        efxErrorCode: '401.04'
        description: 'Custom response'
        
    '403.01':
      value:
        efxErrorCode: '403.01'
        description: Access denied
        
    '403.02':
      value:
        efxErrorCode: '403.02'
        description: Access Denied for user
        
    '404.01':
      value:
        efxErrorCode: '404.01'
        description: Not Found - The specified resource does not exist
        
    '415.01':
      value:
        efxErrorCode: '415.01'
        description: Payload Format is in an Unsupported Format
        
    '500.01':
      value:
        efxErrorCode: '500.01'
        description: An internal error has occurred.
        
    '501.01':
      value:
        efxErrorCode: '501.01'
        description: Not-implemented - Specified resource is not implemented
        
    '503.01':
      value:
        efxErrorCode: '503.01'
        description: Service is un-available
        
    '504.01':
      value:
        efxErrorCode: '504.01'
        description: Gateway timeout