Response Service Attributes

Consumers

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

ConsumerReport

Report Response

softwareProviderId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

string

4

Identifier of the Innovis application used to process the request. Gateway (IGTW), Batch (IBAT), Innovis Web (IWEB)

ConsumerReport

softwareProviderVersion

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

string

4

Customer-provided application identifier passed in on the softwareProviderID.

ConsumerReport

customerTraceNumber

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

string

30

Customer’s Trace Number echoed back from input. Customer-specified guest engagement number.

ConsumerReport

userId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

string

10

User Identification. Echoed back from input (if provided).

ConsumerReport

reportReferenceNumber

SECONDUSE

string

30

Contains a unique sequence number generated from Inquiry.

ConsumerReport

productCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

string

10

Type of report requested.

ConsumerReport

customerId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

string

16

Innovis customer identification number. Assigned by Innovis.

ConsumerReport

applicantId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

string

2

Sequential number 1A through 9A. Echoed back from input.

ConsumerReport

consumerId

SECONDUSE

string

16

Consumer’s identification number. Assigned by Innovis.

ConsumerReport

returnCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

string

9

Record, No Record, Suppress, Error, Exempt

ConsumerReport

returnReasonCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

string

4

See Appendix.

ConsumerReport

returnReasonDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

string

30

See Appendix.

ConsumerReport

accessMethod

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE, SECONDUSE

string

2

Abbreviated or Unique Input Data used to access the product requested. Valid Values: Blank (standard value), SN = Social Security Number, ID = Innovis ID, AN = Account Number

ConsumerReport

names

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

ConsumerName

ConsumerReport

addresses

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

ConsumerAddress

ConsumerReport

ssns

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

ConsumerSsn

ConsumerReport

datesOfBirth

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

ConsumerDateOfBirth

ConsumerReport

phoneNumbers

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

ConsumerPhoneNumber

ConsumerReport

accounts

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

Account

ConsumerReport

statements

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

ConsumerStatement

ConsumerReport

messages

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

Message

ConsumerReport

directories

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

Directory

ConsumerReport

first

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Applicant’s First Name.

ConsumerName

middle

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Applicant’s Middle Name.

ConsumerName

secondarySurname

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Applicant’s secondary surname. In the case of a hyphenated surname (Smith-Jones), the first name in the pair will be the secondary (ex: Smith).

ConsumerName

last

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Applicant’s last name.

ConsumerName

generationCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

1

Applicant’s Generation Code. (S, J, 2-9)

ConsumerName

firstReportedDate

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

First date the name was reported

ConsumerName

lastReportedDate

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Last reported date of this name.

ConsumerName

totalOccurrences

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

3

Number of occurrences for this name.

ConsumerName

activeOccurrences

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

3

Number of active occurrences for this name.

ConsumerName

refId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

3

Corresponds to refId in other elements.

ConsumerName

addressSource

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

1

I = Input Address O = Output Address

ConsumerAddress

countyCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

8

Code that defines a county.

ConsumerAddress

countyCodeDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Contains the description of the county code.

ConsumerAddress

countryCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

2

Standard Country Code abbreviation. See Appendix.

ConsumerAddress

street

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

40

Street Address.

ConsumerAddress

line2

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

40

Line2 of address.

ConsumerAddress

city

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Applicant’s City.

ConsumerAddress

state

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

2

Applicant’s State.

ConsumerAddress

zip

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

5

Applicant’s Zip Code.

ConsumerAddress

zip4

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

4

Applicant’s Zip +4.

ConsumerAddress

firstReportedDate

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

First date the address was reported.

ConsumerAddress

lastReportedDate

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Last reported date of this address.

ConsumerAddress

totalOccurrences

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

3

Number of occurrences for this address.

ConsumerAddress

activeOccurrences

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

3

Number of active occurrences for this address.

ConsumerAddress

refId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

3

Corresponds to refId in other elements.

ConsumerAddress

parsedAddress

ParsedAddress

ConsumerAddress

streetPreDirCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

5

Directional code that appears in front of the street name.

ParsedAddress

streetNumber

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

10

Street Number.

ParsedAddress

streetName

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Street Name.

ParsedAddress

streetType

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

10

Street type (e.g. Dr, Ave, Blvd, etc).

ParsedAddress

streetPostDirCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

5

Directional code that appears after the street name.

ParsedAddress

unitType

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

10

Type of unit (usually #).

ParsedAddress

unitNumber

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

10

Unit Number (e.g. Apartment #, Suite #, etc).

ParsedAddress

poBox

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

10

Post Office Box.

ParsedAddress

ruralRoute

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

10

Rural Route.

ParsedAddress

ruralRouteBox

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

10

Rural Route Box.

ParsedAddress

privateMailBox

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

14

Private Mail Box.

ParsedAddress

urbanization

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

65

Urbanization

ParsedAddress

phoneSource

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

1

I = Input O = Output

ConsumerPhoneNumber

phone

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

10

Applicant’s Phone Number.

ConsumerPhoneNumber

phoneExt

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

6

Consumer’s phone extension.

ConsumerPhoneNumber

phoneType

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

4

Applicant’s Phone Type MOBL = Mobile Phone INVD = Invalid Phone NULL = Null Phone

ConsumerPhoneNumber

phoneStatus

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

4

ConsumerPhoneNumber

firstReportedDate

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

First date the Phone was reported.

ConsumerPhoneNumber

lastReportedDate

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Last reported date for this Phone.

ConsumerPhoneNumber

totalOccurrences

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Number of occurrences for this Phone.

ConsumerPhoneNumber

activeOccurrences

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Number of active occurrences for this Phone.

ConsumerPhoneNumber

refid

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Corresponds to refId in other elements.

ConsumerPhoneNumber

dob

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Applicant's Date of Birth.

ConsumerDateOfBirth

firstReportedDate

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

First date the DOB was reported

ConsumerDateOfBirth

lastReportedDate

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Last reported date for this DOB.

ConsumerDateOfBirth

totalOccurrences

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Number of occurrences for this DOB.

ConsumerDateOfBirth

activeOccurrences

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Number of active occurrences for this DOB.

ConsumerDateOfBirth

refId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Corresponds to refId in other elements.

ConsumerDateOfBirth

ssn

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

9

Applicant’s Social Security Number.

ConsumerSsn

firstReportedDate

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

First date the SSN was reported

ConsumerSsn

lastReportedDate

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Last reported date for this SSN.

ConsumerSsn

totalOccurrences

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Number of occurrences for this SSN.

ConsumerSsn

activeOccurrences

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Number of active occurrences for this SSN.

ConsumerSsn

refId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Corresponds to refId in other elements.

ConsumerSsn

contributorIdNumber

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

9

The Contributor Identification Number that was reported at this time.

ConsumerStatement

contributorName

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Contributor Name.

ConsumerStatement

Date

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Entry date for Consumer Statement.

ConsumerStatement

type

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

8

Statement Type: Alert, Fraud, Suppress, Dispute, Comment. See Appendix.

ConsumerStatement

subCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

4

see Appendix.

ConsumerStatement

subCodeDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

see Appendix.

ConsumerStatement

statement

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

1000

Consumer Statement.

ConsumerStatement

refId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Reference number, if needed, to tie this consumer statement back to the specific tradeline. Will be blank for statements pertaining to the entire file.

ConsumerStatement

contributorId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

9

Contributor's Innovis Identification Number.

Account

contributor

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Contributor Name.

Account

kob

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

2

See Appendix.

Account

kobDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

See Appendix.

Account

coreId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

9

Associated Corporate Identification Number.

Account

coreName

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Associated Corporate Name.

Account

accountNumber

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Consumer’s Account Number.

Account

type

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

2

Account type code that describes the classification of this account.

Account

typeDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

See Appendix.

Account

portfolioType

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

1

Portfolio type; valid types are: I = Installment, R = Revolving, O = Open , M = Mortgage, C = Line of Credit

Account

ecoaCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

1

Association code.

Account

termsFreqCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

1

Frequency of Terms.

Account

termsDuration

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

3

Duration of credit extended: Installment: Terms in months, Revolving: Constant of REV, Open: Constant of 001, Mortgage: Terms in years, Line of Credit: Constant of LOC

Account

statusCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

2

Current condition of this account. See Appendix.

Account

statusCodeDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Description of the Account Status Code. See Appendix.

Account

paymentGrid1

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

24

24 month account history; each byte represents 1 month, starting with the previous month. See Appendix.

Account

paymentGrid2

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

57

For Months 25-81. See Appendix.

Account

commentCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

2

Code to further define the condition of this account. See Appendix.

Account

commentCodeDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

See Appendix.

Account

complianceCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

2

Code to further define the condition of this account. For compliance with the FCRA and/or FCBA. See Appendix.

Account

complianceCodeDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

60

See Appendix.

Account

consumerInfoInd

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

2

Indicates a special condition of the account. This special condition may be that a bankruptcy was filed, discharged, dismissed, or withdrawn; a debt was reaffirmed; or the consumer cannot be located or is now located.

Account

consumerInfoIndDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

See Appendix.

Account

opened

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Date this account was opened.

Account

reported

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Activity Date/Reported Date.

Account

accountInfo

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Date of account information.

Account

lastPayment

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Date of last payment for this account.

Account

closed

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Date account closed.

Account

creditLimit

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

9

Credit limit of this account.

Account

highCreditOrig

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

9

Amount of highest credit or original amount of this account.

Account

origChargeOff

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

9

Dollar amount that was originally charged off to bad debt.

Account

balance

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

9

Current account balance. Credit balances will be reported as negative balances.

Account

schedPayment

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

9

Scheduled monthly payment amount.

Account

actualPayment

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

9

Actual payment amount.

Account

pastDue

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

9

Amount currently past due.

Account

balloonPayment

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

9

For accounts with a balloon payment, amount of balloon payment.

Account

balloonDue

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

For accounts with a balloon payment, due date of balloon payment.

Account

deferredLoanStart

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

date

Deferred Loan Start Date for this account.

Account

origCreditor

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

For Collections Accounts, Name of Original Creditor.

Account

origCreditorIndustryCode

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

2

See Appendix.

Account

origCreditorIndustryDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Original Credit Industry Classification. See Appendix.

Account

portfolioInd

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

1

1 = Portfolio purchased from, 2 = Portfolio sold to

Account

portfolioIndDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Description of the Portfolio Indicator.

Account

portfolioPurchSoldTo

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Free-form name of company from which the account was purchased or to which the account was sold.

Account

agencyIdentifier

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

2

Indicates which secondary marketing agency has interest in this loan: 01 = Fannie Mae, 02 = Freddie Mac

Account

agencyIdentifierDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Description of Agency Identifier.

Account

mortgageAccount

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

Account number assigned by the secondary marketing agency.

Account

mortgageInfoNumber

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

1

The mortgage information number is assigned to a mortgage loan that is registered with the Mortgage Electronic Registration Systems (MERS).

Account

interestTypeIndicator

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

1

Interest Type Indicator.

Account

disputeInd

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

4

Open Dispute exists on account: Y= Yes, Blank

Account

disputeIndDesc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

60

Description of dispute indicator.

Account

accountCrossReference

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

AccountCrossReference

Account

refId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Corresponds to refId in other elements.

Account

consumerNameRefId

REFUPD

number

3

Points to name information supplied with account (000 if no name contributed or name not included on report)

AccountCrossReference

consumerAddressRefId

REFUPD

number

3

Points to address information supplied with account (000 if no address contributed or address not included on report)

AccountCrossReference

consumerSsnRefId

REFUPD

number

3

Points to ssn information supplied with account (000 if no ssn contributed or ssn not included on report)

AccountCrossReference

consumerDOBRefId

REFUPD

number

3

Points to date of birth information supplied with account (000 if no date of birth contributed or date of birth not included on report)

AccountCrossReference

consumerPhoneNbrRefId

REFUPD

number

3

Points to phone information supplied with account (000 if no phone contributed or phone not included on report)

AccountCrossReference

relatedAddressRefId

REFUPD

number

3

Points to related address information supplied with account (000 if no related address contributed or related address not included on report)

AccountCrossReference

idNumber

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

9

Identifier of the contributor, court or customer.

Directory

name

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

50

Name of the customer, contributor, or court.

Directory

address

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

40

Street address.

Directory

city

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

30

City.

Directory

state

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

2

State.

Directory

zip

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

5

Zip code.

Directory

zip4

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

4

Zip + 4.

Directory

phone

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

10

Contact telephone number.

Directory

ext

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

6

Extension number.

Directory

fax

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

10

Contact fax number.

Directory

email

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

80

Email address for the customer.

Directory

type

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

8

Type of the message: Alert Inform

Message

subType

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

8

The subtype of the message: Address Consumer SSN, Message source: I = Input , O = Output

Message

refId

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

3

Corresponds to another element such as Name, Address, Social Security Number, Account etc. Will be blank if the message pertains to the entire file.

Message

msgNumber

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

number

6

See Appendix.

Message

desc

PREQUAL, PREAPP, CR, REFUPD, PRECLOSE

string

1000

See Appendix.

Message