206 lines
5.9 KiB
Plaintext
206 lines
5.9 KiB
Plaintext
===== Phrack Magazine presents Phrack 16 =====
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===== File 7 of 12 =====
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------------------------------------------------------------------------
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- The Disk Jockey -
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- presents: -
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- -
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- Reading Trans-Union Reports: -
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- A lesson in terms used -
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- (A 2af presentation) -
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------------------------------------------------------------------------
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This file is dedicated to all the phreaks/hacks that were busted in the summer
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of 1987, perhaps one of the most crippling summers ever for us.
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Preface:
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-------
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Trans-Union is a credit service much like CBI, TRW or Chilton, but offers
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more competitive rates, and is being used more and more by many credit
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checking agencies.
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Logging in:
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----------
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Call one of the Trans Union dial-ups at 300,E,7,1, Half Duplex. Such a
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dial-up is 314-XXX-XXXX. After connecting, hit Ctrl-S. The system will echo
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back a 'GO ' and then awaits you to begin the procedure of entering the
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account and password, then mode, i.e.: S F1111,111,H,T. The system will
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then tell you what database you are logged on to, which is mostly
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insignificant for your use. To then pull a report, you would type the
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following: P JONES,JIM* 2600,STREET,CHICAGO,IL,60604** <Ctrl-S>. The name
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is Jim Jones, 2600 is his street address, street is the street name, Chicago
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is the city, IL is the state, 60604 is the zip.
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The Report:
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----------
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The report will come out, and will look rather odd, with all types of
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notation. An example of a Visa card would be:
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SUB NAME/ACCT# SUB# OPEND HICR DTRP/TERM BAL/MAX.DEL PAY.PAT MOP
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CITIBANK B453411 3/87 $1000 9/87A $0 12111 R01
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4128XXXXXXXXX $1500 5/87 $120
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Ok, Citibank is the issuing bank. B453411 is their subscriber code. 3/87 is
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when the account was opened. HICR is the most that has been spent on that
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card. 9/87 is when the report was last updated (usually monthly if active).
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$1000 is the credit line. $0 is the current balance. 12111 is the payment
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pattern, where 1=pays in 30 days and 2=pays in 60 days. R01 means that it is a
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"Revolving" account, meaning that he can make payments rather than pay the
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entire bill at once. 4128-etc is his account number (card number). $1500 is
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his credit line. 5/87 is when he was late on a payment last. $120 is the
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amount that he was late with.
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Here is a list of terms that will help you identify and understand the reports
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better:
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ECOA Inquiry and Account Designators
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------------------------------------
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I Individual account for sole use of applicant
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C Joint spousal contractual liability
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A Authorized user of shared account
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P Participant in use of account that is neither C nor A
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S Co-signer, not spouse
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M Maker primarily liable for account, co-signer involved
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T Relationship with account terminated
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U Undesignated
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N Non-Applicant spouse inquiry
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Remarks and FCBA Dispute Codes
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------------------------------
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AJP Adjustment pending
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BKL Bankruptcy loss
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CCA Consumer counseling account
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CLA Placed for collection
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CLO Closed to further purchases
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CTS Contact Subscriber
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DIS Dispute following resolution
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DRP Dispute resolution pending
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FCL Foreclosure
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MOV Moved, left no forwarding address
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ND No dispute
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PRL Profit and loss write-off
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RFN Account refinanced
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RLD Repossession, paid by dealer
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RLP Repossession, proceeds applied towards debt
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RPO Repossession
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RRE Repossession, redeemed
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RS Dispute resolved
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RVD Returned voluntarily, paid by dealer
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RVN Returned voluntarily
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RVP Returned voluntarily, proceeds go towards debt
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RVR Returned voluntarily, redeemed
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SET Settled for less than full balance
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STL Plate (card) stolen or lost
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TRF Transferred to another office
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Type of Account
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---------------
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O Open account (30 or 90 days)
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R Revolving or option account (open-end)
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I Installment (fixed number of payments)
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M Mortgage
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C Check credit (line of credit at a bank)
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Usual Manner of Payment
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-----------------------
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00 Too new to rate; approved, but not used or not rated
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01 Pays (or paid) within 30 days of billing, pays accounts as agreed
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02 Pays in more than 30 days, but not more than 60 days
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03 Pays in more than 60 days, but not more than 90 days
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04 Pays in more than 90 days, but not more than 120 days
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05 Pays in 120 days or more
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07 Makes payments under wage earner plan or similar arrangement
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08 Repossession
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8A Voluntary repossession
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8D Legal repossession
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8R Redeemed repossession
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09 Bad debt; placed for collection; suit; judgement; skip
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9B Placed for collection
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UR Unrated
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UC Unclassified
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Kinds of Business Classification
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-------------------------------
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A Automotive
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B Banks
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C Clothing
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D Department and variety
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F Finance
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G Groceries
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H Home furnishings
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I Insurance
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J Jewelry and cameras
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K Contractors
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L Lumber, building materials
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M Medical and related health
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N National credit card
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O Oil and national credit card
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P Personal services other than medical
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Q Mail order houses
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R Real estate and public accommodations
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S Sporting goods
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T Farm and garden supplies
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U Utilities and fuel
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V Government
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W Wholesale
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X Advertising
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Y Collection services
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Z Miscellaneous
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Type of Installment Loan
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------------------------
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AF Appliance/Furniture
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AP Airplane
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AU Automobile
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BT Boat
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CA Camper
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CL Credit line
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CM Co-maker
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CO Consolidation
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EQ Equipment
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FH FHA contract loan
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FS Finance statement
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HI Home improvement
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IN Insurance
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LE Leases
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MB Mobile home
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MC Miscellaneous
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MT Motor home
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PI Property improvement plan
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PL Personal loan
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RE Real estate
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ST Student loan
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SV Savings bond, stock, etc.
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US Unsecured
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VA Veteran loan
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Date Codes
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A Automated, most current information available
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C Closed date
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F Repossessed/Written off
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M Further updates stopped
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P Paid
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R Reported data
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S Date of last sale
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V Verified date
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Employment Verification Indicator
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---------------------------------
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D Declined verification
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I Indirect
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N No record
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R Reported, but not verified
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S Slow answering
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T Terminated
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V Verified
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X No reply
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Hope this helps. Anyone that has used Trans-Union will surely appreciate
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this, as the result codes are sometimes hard to decipher.
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-The Disk Jockey
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