Credit Bureau Report - Document Skill

Extract data from credit bureau reports — borrower credit history, account balances, payment history, and credit ratings — used by lenders for underwriting.

The Credit Bureau Report skill extracts data from credit bureau reports — the statements that credit bureaus (Experian, Equifax, TransUnion) issue with a borrower’s credit history and current debt situation, including loan payment history, credit account balances, and credit rating. Lenders use these reports to determine whether a borrower is meeting existing credit terms and to calculate potential interest rates.

The Credit Bureau Report skill is a preview skill. It has been trained on a limited set of documents and is designed to help you quickly get started with processing credit bureau reports. For production use, you may need to uptrain the skill with your own document samples. 

Countries and Languages

Countries	Languages
Any	English

Extracted Fields

Field	Description
Bureau Source Code	The reporting national credit agency. Can have one of the following values: Experian (XPN), Equifax (EQF), TransUnion (TU)
Report Date	The report date

Borrower

Field	Description
Full Name	Information about the borrower. SSN stands for social security number
Last Name	Information about the borrower. SSN stands for social security number
First Name	Information about the borrower. SSN stands for social security number
Middle Name	Information about the borrower. SSN stands for social security number
Name Suffix	Information about the borrower. SSN stands for social security number
SSN	Information about the borrower. SSN stands for social security number
Date of Birth	Information about the borrower. SSN stands for social security number

Co-Borrower

Field	Description
Full Name	Information about the co-borrower. SSN stands for social security number
Last Name	Information about the co-borrower. SSN stands for social security number
First Name	Information about the co-borrower. SSN stands for social security number
Middle Name	Information about the co-borrower. SSN stands for social security number
Name Suffix	Information about the co-borrower. SSN stands for social security number
SSN	Information about the co-borrower. SSN stands for social security number
Date of Birth	Information about the co-borrower. SSN stands for social security number

Address

Field	Description
Full Address	The address of the borrower
Street	The address of the borrower
City	The address of the borrower
State	The address of the borrower
Zip Code	The address of the borrower

Credit Score

Field	Description
Score	The credit score
Bureau Source	The source credit agency
Date	The date on which the credit rating was reported
Factors	The risk factors. Can have one of the following values: 1 (too much unpaid outstanding debt) 2 (missed payments) 3 (too few revolving credit accounts), etc.

Credit History

Field	Description
ECOA	Specifies the information provided to the credit bureau with regards to the Equal Credit Opportunity Act. This field contains an alphanumeric character denoting a specific ECOA code: A (Authorized User) - the borrower is an authorized user of the account while another party has contractual responsibility I (Individual Account) - the borrower has contractual responsibility for the account and has primary responsibility for its payment J (Joint Account) - there are other parties aside from the borrower that have contractual responsibility, etc.
Creditor	The lending organization
Reported	The date on which the credit account was last checked
Opened	The date on which the credit account was opened
Last Active	The date on which the last activity occurred
High Credit	Highest monthly balance owed by the borrower over the account’s lifetime
Type	The credit type (e.g. installment, revolving)
Balance	The credit account balance
Terms	The credit terms
Past Due	The amount overdue
Number 30 Days Late	The number of payments late for at least 30 days
Number 60 Days Late	The number of payments late for at least 60 days
Number 90+ Days Late	The number of payments late for at least 90 days
Status	The account status. This field contains an alphanumeric character denoting a particular status: 05 - the account has been transferred to a different bank 11 - active account 13 - closed account, etc.
Bureau Source	The source credit agency

Public Record

Field	Description
Source	The source credit agency
Amount	The total amount owed across all accounts
Status Date	The status acquisition date
Action Type	The account action type
Status	The account status

Key Fields

• Report Date
• Borrower Full Name
• Borrower SSN
• Co-Borrower Full Name
• Co-Borrower SSN
• Bureau Source Code: Experian (XPN), Equifax (EQF), or TransUnion (TU)