===== 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** . 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