Understanding the Credit Report Information Screens

When a credit report is pulled by the online system, the information can be viewed from many different access points within CU*BASE. Credit data is displayed using a series of summary and detail screens, as illustrated below:

• Summary - This is the first summary screen that is displayed once a credit report number is selected. This summary screen shows key credit history summarized from the full detailed report. One of the most valuable advantages of the online access system, this screen provides easy access to the credit data you need most—without always having to perform time-consuming “research” into the full report. (Stored online for six months.)

• Detail - This screen shows the actual, formatted credit report, which can be used for further research into items you see on the Profile screen. (Stored online for sixty days.)

• Decision - This screen shows the results of decision model, either FUEL or a custom-designed model if you have one. This screen lets you quickly say Yes to your member for any credit union product or service. (Stored online for six months.)

NOTE: Retention periods are configurable; additional fees may apply for longer retention times. Contact a CU*BASE representative for more information.

Remember that the Inquiry Type chosen when the report was pulled will determine how much data was actually received for this individual. If no data was received because of the type of inquiry that was made, the screens may appear but will be blank. Click here to read more about inquiry types.