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What does 1 mean on equifax credit report

what does 1 mean on equifax credit report The Credit Information Score measures seven information elements that could appear in every Equifax credit report, e. The Merit Credit Engine uses the Equifax Internet System to System web interface to access STS 6. 1-Bureau Credit Report. Aug 24, 2021 · Equifax is a credit bureau, or a company that compiles information about individual consumer lending habits to create a credit report. These three credit bureaus, Experian ®, Equifax ® and TransUnion ®, collect financial information about you, like your payment history, and put them in a credit report. But there is a range of scores that both FICO and VantageScore use. Date of birth. Both Equifax and TransUnion have shortened the time that consumer proposals remain on a credit report and impact a credit score. Mortgage July 2007 - £0. The Merit credit API documentation shows how you can also request that Equifax generate human readable text reports as part of its response. Jun 08, 2017 · A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. Date of Last Payment: 1/2002. Atlanta, GA 30374-0256. The credit reporting industry sometimes uses what seem like "secret codes" on your report for the status of an account. Understanding a credit report and its' codes can be overwhelming. I have never had a department store credit card or financing plan 2. Some lenders may choose to report to only one or two of the three major credit reporting companies (Experian, TransUnion and Equifax), and some choose not to report to any. Equifax Risk Score 2. If your credit report reflects inaccurate information, you can dispute the information with your creditor and try to have it corrected. What is a good credit score? You’re not going to like this: there’s no simple number to indicate what a good credit score is. It also doesn’t count when a lender requests a credit report or score in order to make a “pre-approved” credit offer, or to review the account with them, even though these inquiries may show up on the credit report. Mar 27, 2018 · For a score with a range of 300-850, a credit score that is above 700 is generally accepted as good. Date Reported: 4/2005. 95 1. How do would add a Consumer Statement to my credit report? Check your credit reports and credit scores before applying to better understand what information potential lenders and creditors may be evaluating. $19. Lenders can view this if you’re applying for credit in this time. When you form a relationship with a credit card issuer or loan provider, that information may be reported to the three major credit reporting agencies: Equifax, Experian, and . BOX 1000 CHESTER, PA. Personal information. Jul 06, 2012 · Equifax - Account Information. In the case of erroneous information, an item should be deleted, saving you the trouble of writing additional r. P. Credit scores are calculated using information in your credit reports, including your payment history, the amount of debt you have, and the length of your credit history. 1) DATE REPORTED – The date when the collection was reported 2) AGENCY NUMBER – The collection agency’s number Code Translations. 1 FFR (fixed format response) data. Best when you only need one bureau-choose between Experian, TransUnion or Equifax. Factual Data Corp, or FDC, is a credit reporting agency employed by lenders to obtain potential borrowers’ credit reports from Experian, Equifax, and TransUnion. Allen, TX 75013-0036. buy. TRANS UNION Credit Profile Report TRANS UNION 2 BALDWIN PLACE, P. Your credit report is simply updated to show which address they believe is your current residence, based on what your creditors are reporting. Sep 19, 2017 · The simple explanation is that Equifax is a credit reporting agency and based on the information that they have on consumers, they come up with a credit score. credit report is ordered from a credit reporting agency, such as to check it for accuracy, the score does not count. If you find incorrect identity information on one of your credit reports, you can file a dispute or an update with the reporting credit bureau to change it. I haven't been late on any known payments (confirmed by the "hard" info in the credit report) 3. If you were a victim of the breach and a minor, even more services are available at no cost. Here is what does a credit report look like. Bankruptcies and collection information. Your credit score range explained. "R" stands for a revolving account, such as credit card or home equity line, and "I" is for installment loan, such as an auto or student loan. Nov 15, 2011 · When you suppress your credit report, that means that anybody who pulls your credit report will get no information back. Sep 17, 2017 · After Equifax failed to secure financial and other sensitive information belonging to 143 million U. You will need to provide specific . Australian credit reporting bureau Equifax has rolled out a new credit score system and it could mean your credit behaviours are better reflected. consumers, as the national average FICO score is 711 as of . CRTP. What I'm wondering is this -- I was involved in that Capital One breach in 2019. CS. Jan 21, 2020 · If your high credit amount of $4,000 were listed on your credit report as your credit limit, your current utilization on this credit card would be 75 percent using the following formula: Current . Only when these conditions are met – you should contact Equifax directly. In that blog, we also discussed the various items found on the credit report from Transunion. TransUnion Credit Report Format. 00 trial from identityiq Credit Reports Plus Identity Theft Protection because all 3 are equally important. Watson this week and an American Cust Svc rep ( Thank Goodness), Atlanta, GA @ Equifax Exec Cus. It acts like a less-strict version of a freeze on my Equifax credit report. I've spoken to D. Most people have more than one credit report. Credit Reporting Time Period. Equifax is the oldest credit bureau and began in 1899 as the Retail Credit Company. Hide alert details. I have no idea why I'm seeing all this now. If victims choose to opt-out of the free credit monitoring option, they may be eligible for a $125 cash payment. If you do find an error, you can dispute it online through that credit bureau's website or give them a call: Equifax – 1-800-685-1111 Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Equifax. 1-888-397-3742. Mar 07, 2019 · The "Status of Accounts" section is viewed by lenders so they can assess your creditworthiness. Chase usually does a “double pull”, using Experian as their primary credit bureau and Equifax or TransUnion as a secondary. g. Fact Checked. with one free credit report . If you'd like to remove a closed account from your credit report, you can contact the credit bureaus to remove inaccurate information, ask the creditor to remove it or just wait it out. Information Solutions business unit, understands how important 'alternative data' can be in enabling broader access to credit for millions of underserved individuals. Sep 09, 2003 · An inquiry is posted to a consumer’s credit report every time an individual or a business reviews or obtains a copy of the credit report. There are two other major credit bureaus, Experian and TransUnion. Sep 01, 2021 · The lender must request these FICO credit scores for each borrower from each of the three major credit repositories when they order the three in-file merged credit report. When you check your credit report, it will always be from . Sep 14, 2017 · Get a copy of your credit report from each of the three major credit reporting agencies, Equifax, Experian, and TransUnion. Knowing the difference between these two is very important. If an account never appeared on your credit report, there should be no change to your credit score based on your payment behavior with that particular account. We began the discussion about how you can read your credit report in Canada. For this reason, credit scores almost always differ by bureau. From Arby’s to Saks Fifth Avenue, in 2017 alone there were 27 before the recent breach at Equifax. (Note: FICO Scores only consider inquiries made during the 12 months prior to the time the Score is calculated. How to Read an Equifax Credit Report June 2014 FADV0037 . The Merit Credit Engine is often used for custom credit report layouts, XML, and custom scoring -- but if you want human-readable credit reports in the standard TransUnion print image format, MCE can generate them from the TU 4 or TU 4. When it comes to . This guide is designed to introduce you to the various sections of the print image TransUnion Credit Report. What does EQUIFAX mean? Information and translations of EQUIFAX in the most comprehensive dictionary definitions resource on the web. A credit score is a three-digit number, typically between 300 and 850, designed to represent your credit risk, or the likelihood you will pay your bills on time. The first is a traditional credit risk score (range: 100 to 992), which analyzes your company’s credit history – credit utilization, past delinquencies, length of credit history, and the like. Every code and every number has a meaning. 0 or System 5 fixed-format data, from which it generates the human readable report. 1. Dec 11, 2020 · 1. By definition, a high credit score doesn’t have a lot of significant factors pushing it down. By June 30, 2020, Equifax will automatically classify . Federal law provides for you to get a free copy of your credit report annually from each of the credit reporting agencies. Find out what all of the codes in your credit report mean. HighCred - High Credit, the original amount of the loan or the highest balance ever attained. Experian Layout. Costa Mesa, CA 92626. There are different sections to your credit report: Identification information This includes information like your name, date of birth, address history as well as your driver’s licence number and employment history. Credit reporting companies, also known as credit bureaus or consumer reporting agencies, collect and store financial data . Once a year, you can check your credit report from all three of the major credit bureaus for free at annualcreditreport. The second report they pull (5) … Mar 30, 2020 — Chase provides financing to car shoppers with all types of credit, but it reserves the best rates for those with an excellent credit score. Equifax also uses File Access notations to record when it has accessed an individual’s credit report. Narrative changed Dec 19, 2004 · All credit agencies have to offer a statutory report for £2. Equifax tracks the credit history of borrowers in order to generate credit reports and credit scores. S. They may show up on your credit history as Kroll Factual Data, Inc or Kroll Factual Data. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond. Equifax's key features. Dec 26, 2018 · You can also call Equifax to initiate a dispute at 866-349-5191 or can mail in forms initiating a dispute to: Equifax. Understand more about how a consumer proposal is the first step in improving your credit by reading our article A Clean Credit Report Does Not Equal A Good Credit Report. It sells this information to banks and other financial . Phone number. Therefore, this blog will take hints from the previous one and expand your knowledge of reading credit reports. It was developed to in response to: Jul 26, 2021 · Where Does Credit Report Information Come From? Most credit report information comes from a variety of financial institutions and lenders, known as data furnishers. If the credit report is for one person, the number will be a "1. Feb 23, 2007 · There is an item on my Equifax CR for Household Bank that has a $0 balance and a credit limit of $1 which is odd in itself. years on file, how suppliers are paid and the occurrence of negative data (collection claims, suits, judgments, and returned cheques). Aug 02, 2003 · But for some reason, when I just went to check that free info on Equifax's Web site, the "free" included my entire credit report, credit score and all. Customer Service or CreditSecure or Credir Sesame (depends on context) CSR. . 2. Credit Reporting Agency ( Equifax, Experian, TransUnion) CRO. In either case, the Merit Credit Engine User Guide shows how it is an easy matter for credit software developers to pass the text report to the end-user to display or print. One of the ways Equifax does this is via the File Access notation, known as Other Access on a My Credit File report. : Equifax, Experian, and TransUnion. 0 predicts the likelihood of your customers or prospects going 90+ days delinquent within 12 months. 19022 800-888-4213 Date Reported: 7/30/2003 Several scenarios entitle you to an Equifax free credit report in addition to your free government credit report. While TransUnion disputes are reportedly removed right away (during the phone call, in most cases), Equifax and Experian disputes can take up to 72 hours to be removed from your reports. CredLmt - Credit Limit, the maximum amount of credit available on an account. This section displays details about the subject’s collection information on file with Equifax. The lower the score, the lower your creditworthiness. As a consumer, your credit score is a number based on information from your credit reports at the three major credit reporting bureaus—Equifax, Experian, and TransUnion. If you are struggling with too much debt, call us today at 1-866-747-0660 or email us for a free debt evaluation. It was developed to in response to: CREDIT SCORE REASON FACTORS RATING TransUnion (TU) – Empirica / Equifax (EFX) – Beacon / Experian (XPN) – Fair Isaac (Account Type & Current Manner of Payment) 00 No adverse factor 01 Amount owed on accounts is too high O Open Account 02 Level of delinquency on accounts R Revolving or Option Credit Profile Report Page 4 | Product sheet Credit Profile Report (continued) CONSUMER, JONATHAN QUINCY 999999990;CA-10665 NORTH BIRCH STREET/BURBANK CA 91502 PAGE 1 DATE 5-03-2017 TIME 13:14:37 V501 TCA1 PAGE JONATHAN QUINCY CONSUMER SS: 999-99-9990 E: AJAX HARDWARE With an extensive database of currently reported mortgage and credit data, Equifax Risk Score 2. If you disputed lates, then the current account status was not the specific issue disputed, and they were required to complete their reinvestigation within 30 days of the dispute . In these cases, the "1" will represent the first person listed on the report request, and the "2" represents the second person. It will not even give the header that comes on the credit reports. What differentiates Equifax from the other entities is that Equifax is one of the three largest credit agencies in the U. You mentioned the repossession occurred in November 2011, which means it will be reported until late 2018 or early 2019. The Equifax Data Breach: What Does It Mean for You? It appears we hear of new data breaches every day. Equifax provides you with an overall credit score, expressed as a number between 0-1000. Sep 07, 2021 · You can access your Equifax credit score and report direct from Equifax or, alternatively, through ClearScore*. 17/05/2021 - 5 min read. 3. If you see something you don’t recognize, contact the company who reported the information for further details. Mortgage Interest saved - £63790. Inquiry types of “AR” (Account Review) and “PRM” (Promotional) appear only on credit reports received directly by the consumer. 475 Anton Blvd. Each agency accepts freeze requests online, by phone, or by postal mail. " In some cases, a service will pull a combined report for more than one person. The three credit reference agencies — TransUnion, Experian, and Equifax — all use different methods to calculate it, which means it will be different with each one. These may remain on your Equifax credit report for 24 months. Nov 13, 2013 · Bingo! Sounds consistent with the bank man's report (from Equifax). Jul 26, 2021 · Where Does Credit Report Information Come From? Most credit report information comes from a variety of financial institutions and lenders, known as data furnishers. I would publish the direct link here but Equifax have chosen to break their website at this time. Previously, the Equifax credit score scale ranged from zero to 700 and fell into five bands: very poor, poor, fair . Under the Fair Credit Reporting Act, most derogatories, including repossessions, can be reported on a credit report for 7½ years. 95. Your credit score is based on your credit report, which is a record of your credit history and how you’ve managed your finances in the past. Equifax Confidential and Proprietary Information 3 Information Included in an Equifax Credit Report •Personal Information - Name, address, Social Security number, date of birth, employment history •Credit History - Account details such as open date, credit limit, loan amount, balance, payment terms and history Your Equifax credit report contains information about bankruptcy public records and related details such as the filing date and chapter (type of bankruptcy). This includes past-due accounts that have been turned over to a collection agency. Experian Online: Experian Freeze Center Phone: 1-888-397-3742 By mail, write to: Experian Security Freeze PO Box 9554 Allen, TX 75013. MARK LUBER, chief product officer for Equifax's U. Experian. Credit report basics TransUnion Credit Reports draw information from the TransUnion database, which maintains credit Mar 09, 2021 · It does not consider what used to be on your credit report last year or even last week. It also enables them to determine how high (or low) a lending risk you are and how high (or low) your loan interest rate will be. A consumer proposal will continue to appear for three years after a consumer proposal is fully performed. ”Hard” inquiries do impact credit scores. Creditors you have accounts with may report your credit history to one or all three of the bureaus based on their existing relationship with that bureau. Credit Reports for the consumer insight they need to make the best decisions. Original Mortgage Termination Date - Nov 2018. Mortgage Feb 2001 - £129,000. TransUnion. But any way this is my question. credit report, 1. Jan 24, 2020 · 13361. Be sure to request dispute removals well before you really need them to be removed. Request a fraud or active duty alert Place an alert on your credit reports to warn lenders that you may be a victim of fraud or on active military duty. 11 Review your credit reports for any errors that could negatively affect your score. Date of Last Activity: 1/2002 It also indicates which credit reporting company (CRC) — the three national CRCs are Equifax, Experian, and TransUnion — supplied your score to the lender. Sep 08, 2021 · You have a credit report from each of the three major credit bureaus — Equifax, Experian and TransUnion — which get data about your accounts from lenders and compile it. Each of the seven elements is measured on a scale from zero to 10. While it is hard to definitely say what a "good" credit score is, most credit scores fall in the 600's and 700's. Jun 24, 2021 · Factual Data Credit Inquiry. Social Security number. FICO Score ratings are as follows: Poor: 300-579. That data is then used . The next section of the report is the applicant's personal information. Equifax is unique in that it assigns your company 3 different scores, inside of a single report. Review your Equifax credit report. And, unfortunately, whenever there’s heightened awareness around any big news or event, it is pretty much guaranteed that the criminals are hard at work. The following changes were reported for your Bank of America account : Comments on your account changed from Consumer disputes - reinvestigation in process to Account transferred or sold , Charge off account , Secured credit card , Trsf/Sold May 11, 2021 · Equifax Business Credit Reports. my credit report 10 What card the symbolsnumbers mean dilute the Current Repayment. Factual Data most commonly provide mortgage lenders with merged . Name. However, you may be missing out on a potential credit score boost from timely payments on an account. Mar 20, 2018 · Equifax Credit Report and Score is a commercial product which enables monitoring your credit score and report. Creditors check your credit (a "hard inquiry") which typically lowers your credit score and remains on your credit report for two years. There are two different types of credit pulls: “soft pulls” and “hard pulls. Jun 23, 2020 · 714-830-7000. Collection Information Section . Box 740256. Any questions or issues regarding score should be directed to the reporting bureau. Jul 23, 2021 · Equifax : Bank Transaction Data Can Help the Underserved. If you believe the information is inaccurate, you can dispute it with the company who reported it or initiate a dispute with Equifax. It will now also be limited to a maximum of six years after the consumer proposal was originally filed. Mar 24, 2020 · A credit score is a three-digit number used by lenders to determine whether you qualify for credit, such as a loan or credit card. When a consumer applies for a loan . Payment codes range from 1 to 9 and use the letters "R" for revolving, and "I" for installment. Credit report codes revealed. Credit Profile Report Page 4 | Product sheet Credit Profile Report (continued) CONSUMER, JONATHAN QUINCY 999999990;CA-10665 NORTH BIRCH STREET/BURBANK CA 91502 PAGE 1 DATE 5-03-2017 TIME 13:14:37 V501 TCA1 PAGE JONATHAN QUINCY CONSUMER SS: 999-99-9990 E: AJAX HARDWARE If your credit report reflects inaccurate information, you can dispute the information with your creditor and try to have it corrected. CREDIT SCORE REASON FACTORS RATING TransUnion (TU) – Empirica / Equifax (EFX) – Beacon / Experian (XPN) – Fair Isaac (Account Type & Current Manner of Payment) 00 No adverse factor 01 Amount owed on accounts is too high O Open Account 02 Level of delinquency on accounts R Revolving or Option Credit Reporting Agency ( Equifax, Experian, TransUnion) CRO. Neither Trans Union nor Equifax show a department store credit line 4. The VantageScore or FICO algorithms are then applied to those reports to determine your credit score. Therefore, it is possible to have an account that does not appear on your credit report. i8, r9, OFAC, ECOA. Equifax issues a credit score based on a range from 280 to 850. Credit Profile Report Page 4 | Product sheet Credit Profile Report (continued) CONSUMER, JONATHAN QUINCY 999999990;CA-10665 NORTH BIRCH STREET/BURBANK CA 91502 PAGE 1 DATE 5-03-2017 TIME 13:14:37 V501 TCA1 PAGE JONATHAN QUINCY CONSUMER SS: 999-99-9990 E: AJAX HARDWARE Some lenders may choose to report to only one or two of the three major credit reporting companies (Experian, TransUnion and Equifax), and some choose not to report to any. Address. In the UK, there’s no such thing as a universal credit score. Know where you fall on the score range. Aug 30, 2021 · Equifax, like Experian and TransUnion, used to count phone and internet service inquiries as hard inquiries. What about Experian? If you need to see all 3 together you can take out a $1. Bankruptcies and past-due accounts that have been turned over to a collection agency, including accounts with doctors, hospitals and cable companies, could also be included in your Equifax credit . These include being declined credit, unemployed and looking for a job, a victim of identity theft, disputing a credit report and a few more. He shares thoughts on consumer bank transaction data, how it's used . RT - Portfolio type, payment or condition code used to identify the status of the account. To provide some more info: 1. The "1" in a status code indicates that the account holder has never missed a payment and the alpha character abbreviates the type of debt. A score above 780 will put you in the top 20% of borrowers, whereas a . Equifax is a credit bureau . TR - Times Reported, the number of times the account was reported to Equifax. Dec 17, 2018 · As long as they stay on your credit report, closed accounts can continue to impact your credit score. ”. Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. Credit Repair Organization. , how likely it is that you will responsibly borrow and pay back funds). An R1 or I1 is an indication of a good payment history. O. Experian format is illustrated and described below. The new scoring system, Equifax One Score, aims to provide greater consistency and reliability than other scoring systems. consumers, it’s no surprise that Americans are concerned — very concerned, in fact. Narrative changed Understanding a credit report and its' codes can be overwhelming. But, effective April 6, 2020, inquiries on Equifax credit reports for wired and wireless phone, internet, and pay TV accounts can be counted by service providers as soft inquiries. It would still allow access to creditors who want to make me a pre . The following is a sample 3-in-1 credit report that combines your credit information from the 3 major credit bureaus (Equifax, Experian & Transunion) into a single report, to help you with the process of checking it. Credit reports are filled with codes that signify the status of your accounts and the history of nearly every financial transaction you've ever made. Tenant screening companies, such as NTN, are strictly regulated under the terms of the Fair Credit Reporting Act. A credit report is an important measure of your applicant’s financial ability to afford the rent and is obtained from one (or all) of the three national credit bureaus. The A to Z of the Equifax Credit Report. Identity information on your reports may include your …. Jun 28, 2020 · 1. Jan 18, 2011 · Title says it all, I just purchased a credit report with equifax and looking through it shows one major default in red even though I settled the account through debt collectors. If the borrower’s credit file includes complete and accurate information to ensure the validity of the credit score, the lender does not need to further evaluate the . >: (. Missed or late payments are recorded on your credit report for six years. an enquiry, Jun 17, 2021 · What does your Equifax credit score mean now? There are three main credit reference agencies in the UK: Experian, Equifax and TransUnion – and each will hold a credit report and generate a credit score based on your information. Equifax is the only business credit report with a 3 digit score. Customer Service Representative. A credit report code of zero means that there is nothing to rate or the account is too new; 1 means paid as agreed; 2 means up to 59 days past due; 3 means more than 60 days . Lastly the business builder score outlines the probability the business will fail. The ClearScore service is free and, with 14 million users worldwide, is the most popular way of viewing your Equifax report. PERSONAL INFORMATION. May 10, 2009 · HI Forums!!:smileyhappy: I have some info on the Equifax errors if anyone besides me has gotten them when you go pulled or try to pay for your credit report on the Equifax website. These can include your credit accounts as well as accounts with doctors, hospitals . If you want to understand what your credit report means, you have to know what these codes mean and how they influence your report. Having a credit score between 670 and 739 places a borrower near or slightly above the average of U. Dec 19, 2004 · All credit agencies have to offer a statutory report for £2. com. Your Equifax credit report contains information about your history with credit. Sep 29, 2020 · There are three major credit bureaus in the U. e. On the report it is listed like this: Date Opened: 10/2001. If you’ve missed payments, it may suggest to them that you’re in some sort of financial difficulty and may have trouble paying back any new credit repayments should they give you a loan. This includes the Consumer's name, social security number, up to three different addresses, date of birth (if available), and telephone number (if available). Jun 04, 2013 · Re: What does Equifax "Account Updated" mean? The issue is what was the final resultion of the dispute, not the status of the account after the dispute was resolved'. Buy Report. In addition, if Equifax amends an individual’s credit report by removing or amending information (e. Jul 23, 2021 · Contact each credit reporting agency to place a freeze on your credit report. Credit report basics TransUnion Credit Reports draw information from the TransUnion database, which maintains credit 17/05/2021 - 5 min read. Jan 12, 2011 · The final section is a list of credit accounts including credit cards and lines of credit. For each account the report lists how many times the account has been past due 2, 3, or 4 payment periods. Sep 29, 2020 · The credit bureaus keep track of your current and your previous addresses, so even when you relocate, the old addresses don't go away. But equifax gives you get a reasonable assurance regarding Jul 22, 2019 · Then Equifax will provide the services for monitoring their report for an additional 6 years. Scores – Each credit bureau calculates a credit score based on information in their files. Bonus identity protection features include alerts whenever there's a significant . That’s because the three credit reference agencies — TransUnion, Experian, and Equifax — all use different methods to separate their score bands. Fair: 580-669. Equifax Online: Equifax Credit Report Services Phone: 1-800 . Jun 17, 2021 · What does your Equifax credit score mean now? There are three main credit reference agencies in the UK: Experian, Equifax and TransUnion – and each will hold a credit report and generate a credit score based on your information. Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Understand your credit report and improve your credit via our Credit Repair Service. Apr 29, 2021 · Good Credit Score: 670 to 739 . Looking at the heat color index reflects the average time it takes for a business to make payments. In each case I’m given a rating of R1 or C1 (depending on the account type) which mean “paid as agreed and up to date”. May 09, 2021 · Credit pulls are when an entity, usually a lender, “pulls” your credit report to review your creditworthiness (i. ) Sep 15, 2017 · The TrustedID Premier service does go a step further. They use proprietary scoring models and score independently of one another. O. Collections accounts. Also what does Default / Delinquent Balance mean as there are a few past creditors with a balance showing. 60. R1 and I1 are the most critical codes to build your credit score, and you should aim to have an many of these as possible. Below we've listed some common credit report account statuses and what they mean. 0 is our most advanced risk prediction tool yet, giving you insight that predicts consumer behaviour in today’s economic climate. Date Reported: 8/1/2003. Jul 23, 2012 · Credit Reporting. what does 1 mean on equifax credit report