| Header Information |
This section provides general
information about the report.
- Generated On
- This line displays the date and the time when the report was
generated.
- Search Terms
- This line displays the search terms that you entered into the search
form.
- Report Created For
- This line displays who the report was created for.
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| Summary |
This section returns the most recent information that is on file
for the subject. The information in this section may not match the
search terms (input information) if the most recent information on
file is not used as the search input. Mismatch indicators return if
the input information does not match the most recent information on
file. |
| Consumer Statements |
This section is returned only when one or more statements are added to the subject’s
file, by the subject, regarding a dispute about the data that is in
their file. A file-level statement or a record-level statement can be
returned.
- A file-level statement is made, by the subject, regarding their
entire consumer report.
- A record-level statement is made, by the subject, regarding a
particular record (for example, a bankruptcy record).
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| RiskView Score
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The RiskView
Score is an empirically-derived and statistically-sound model that is
designed to predict the likelihood of an account becoming past due. RiskView
possible scores range from 501 (highest risk) through 900 (lowest
risk). RiskView
Score also returns the top four factors (five factors if an inquiry
is involved in the score calculation) that influenced the score
calculation. The Score Explanations indicate factors that influenced
the score calculation. Score results can also vary from other
industry credit scores because each agency uses their own
mathematical formula and data content to calculate individual credit
scores. Talk to your LexisNexis® Risk Solutions account
representative about establishing appropriate score cutoffs with the
RiskView
Scoring Models. |
| At a Glance |
This section provides a summary of the consumer report content
that is returned for the subject. Blue triangles indicate the
presence of positive information or the lack of derogatory
information. Red double triangle icons indicate the presence of
derogatory information or the lack of positive information. The
absence of a blue triangle or the absence of a red double triangle
indicates that the condition is neutral, meaning that there is a
lack of positive information, but the condition is not a derogatory
condition. |
| Alerts |
The RiskView Score Report returns alerts to
highlight regulatory notices or score exception conditions on a subject’s file. Alerts may
also be returned to indicate the bankruptcy chapter if a bankruptcy is on file. Alerts can
be referenced for additional information when a RiskView Score of 0 is returned or when
the RiskView Premium Report is
blank. Because of state or federal law, some conditions may restrict the return of a RiskView Score Report or RiskView Premium Report.The RiskView Score Report may return the
following alerts:
- Security Freeze On File
- The subject requested a security freeze on their file.
 | In collection scenarios
that are not related to debt, state laws prohibit the
return of a RiskView Score Report result. |
- Security Fraud Alert On File
- The subject placed a security fraud alert on their file. Other RiskView Report content may return as part of the result when this
alert is on file.
- Consumer Statement On File
- The subject placed one or more dispute statements on their file either at a file level
(concerning the entire consumer report) or at the record
level (concerning an individual record).
- Insufficient Verification To Return A Consumer Report Under State Or Federal Law
- LexisNexis Risk Solutions is unable to generate a
RiskView Score Report result for the subject because of
insufficient verification of input data.
- Subject Reported As Deceased
- LexisNexis Risk Solutions is unable to generate a
RiskView Score Report for the subject because the subject is
identified on file as deceased.
- Unable to Return Results As Identity Not Found
- LexisNexis Risk Solutions is unable to generate a
RiskView Score Report result because there is insufficient data
available on file to generate a report for the subject.
- Chapter 7 Bankruptcy On File
- Chapter 9 Bankruptcy On File
- Chapter 11 Bankruptcy On File
- Chapter 12 Bankruptcy On File
- Chapter 13 Bankruptcy On File
- Chapter 15 Bankruptcy On File
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| Address History |
This section returns the address history that is on file for the
subject as reported within the last five years. This address history
is based on the first seen dates and the last seen dates that are on
file for the sources that report these addresses. |
| Assets |
This section returns information about real property and personal
assets that are associated with the subject. These details include
real property ownership, property purchases, and property sales.
This section also returns information about personal property asset
registrations that are associated with the subject, including
watercraft and aircraft. |
| Liens, Judgments, and Landlord/Tenant Cases |
This section returns public record filing information about tax
lien, court judgment, and landlord/tenant cases from civil courts
and federal courts that are associated with the subject. The
following record types return in this section:
- Judgment
- Judgments return in multiple ways.
- A civil judgment is a ruling against the subject
in a court of law that pertains to non-criminal
matters. A civil judgment often requires the
payment of damages that exceed the small claims
court limits. A civil court judgment record
indicates that the subject was sued and that the
court filed a judgment that required monetary
reparations to satisfy the judgment.
- Foreclosure judgment records include court
filings against the subject that may require
monetary payment or another action by the subject
to satisfy a foreclosure judgment.
- Small claims judgments are typically monetary
judgments that are filed against a defendant as a
result of losing a lawsuit. The dollar limit for
small claims court filings varies by state, but it
is typically from $5,000 to $10,000. A small
claims judgment record indicates that the subject
was sued, and the court filed a judgment that
required monetary reparations to satisfy the
judgment.
- Lien
- This section can return different types of liens.
- A tax lien is imposed by legal action on a property that
is owned by the subject to secure the payment of taxes.
A tax lien may be imposed for delinquent taxes that are
owed on real property or personal property or as a
result of the failure to pay income taxes or other
taxes. Public records of tax liens can include federal,
state, county, and local government imposed liens.
- Landlord/Tenant Case
- Landlord/tenant cases are court judgments against the
subject that are initiated by a landlord as the result
of non-payment of rent. A landlord/tenant case is an
important legal step in the process to evict a tenant
from a rental property. The judgment does not
necessarily mean that the tenant was physically evicted
from the premises, because the tenant would have the
right to pay the rent to current status (and other
costs) to remain on the premises. Any future instance of
non-payment of rent could result in a new filing for a
landlord/tenant case. A repeat offender may have
multiple landlord/tenant cases that involve the same
landlord and rental property.
- Other
- Lien or judgment records that are not categorized as one
of the specified record types return as
Other. For more
information about other records, see the report
Description field.
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| Bankruptcies |
This section returns bankruptcy records from federal bankruptcy
courts that are associated with the subject. |
| Criminal Records |
This section returns criminal conviction and sexual offender
registry records that are associated with the subject.
- Criminal Conviction Records
- This section provides details about felony and
misdemeanor conviction records, excluding minor
infractions and motor vehicle traffic violations.
Criminal records are reported for seven years.
- Sexual Offender Registry Records
- This section returns sexual offender registry records
for the subject.
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| Education and Licensing |
This section returns education and professional licensing records
that are associated with the subject.
- Education
- This section provides details about the evidence of
college attendance, as reported on file. The information
is based on published student directory sources. Absence
of an educational record in the subject’s file is not
evidence that the subject did not attend a
post-secondary institution. This information can provide
an understanding around academic achievement to help
confirm high school graduation through post-secondary
attendance. These sources report attendance in a
program, not degree status.
- Licensing
- This section provides details about professional
licenses that are associated with the subject. This
information is based on the public records of
state-issued licenses to perform certain occupations.
Coverage varies by the reporting jurisdiction in
categories of occupation and in updating frequency.
Professional licenses can be used as evidence of
occupation. However, the absence of a professional
license record in the subject’s file is not evidence
that the subject does not legitimately practice these
categories of occupation. Professional license records
include historical license issuance. Not all
professional license types and jurisdictions are
currently updating. As a result, this information should
not be used as an indication of current licensing
status.
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| Business Associations |
This section returns details about formal business connections
that are associated with the subject. The sources that provide this
information return known, factual relationships between the subject
and business entities. An absence of a published association is not
necessarily evidence that there is no business association, because
most employees of a business are not reported through these sources.
These sources can be useful to identify business owners and certain
officers who are identified in public business filings. |
| Finance Activity |
This section returns short-term loan offer requests and credit
inquiries that are associated with the subject.
- Short Term Loan Offer Requests
- This section provides details that pertain to short-term
loan solicitations that are associated with the subject.
Short-term loans are consumer loans that typically have
a repayment term of a few weeks. Short-term loan
providers often charge substantial interest and fees,
and the loans are considered very expensive forms of
consumer debt compared with traditional revolving debt
or installment loans. Internet-based clearinghouses
advertise the availability of short-term loans and offer
to connect interested consumers with lending
institutions that service the consumers in their
respective state. Consumers who register with a
short-term loan clearinghouse or respond to a short-term
loan clearinghouse provide their personal identifying
information and are then contacted by one or more
lenders with an offer of credit. These requests to
receive a short-term loan solicitation are not
applications for credit, and the consumer may or may not
have actually used any loan service.
Short-term loan
offer requests are reported on the Premium Report
for 12 months, but can be used to influence the RiskView Score for up to seven years.
- Credit Inquiries
- This section provides details that pertain to LexisNexis Risk Solutions account opening inquiries and collection inquiries
that are associated with the subject. LexisNexis Risk Solutions is a CRA (consumer reporting agency) as defined
under the FCRA (Fair Credit Reporting Act) that reports
seven-factor consumer information to financial
institutions and others that have a permissible purpose
under the FCRA. The seven
factors include credit worthiness, credit standing,
credit capacity, character, general reputation, personal
characteristics, and mode of living. These factors can
be used in credit underwriting and as the basis for
taking adverse action against a consumer’s application
for credit.
Credit inquiries associated with the
subject for account opening or collection activity
are reported on the Premium Report for 12
months.
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