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