FILE AND DEMOGRAPHIC INFORMATION  Date the credit report was issued  Consumer's and spouse's name, plus any known aliases  Social Insurance Number for consumer and spouse  Date of birth, telephone number, current and previous employment  Date the file was created  Last date of inquiry on file  Current address and date reported  All previous addresses in our file
		FILE SUMMARY Provides a snapshot of all activity on the consumer's credit report. From left to right in the first row  Total number of legal items; with date of most current  Total number of bankruptcies; with date of most current  Total number of collections; with date of most current  Total number of inquiries; with date of most current  Number of inquiries in last six months  Number of inquiries that are collection inquiries; in the last 24 months  From left to right in the second row  Total high credit to the consumer  Balance running on the available credit  Total past due  Total payments  Number of accounts  Number of accounts that have negative rating (MOP of 3, 4, 5, 7, 8, 9)  Number of accounts paid  From left to right in the third row  Date of oldest account opened and date of most current account opened  Breakdown of total running balances - Installement, Revolving, Open, Mortgage  Total number of Registered Items
		SPECIAL MESSAGES Highlights specific credit file conditions that may include: A Trans Alert® message: appears if current input address does not match any addresses on returned file, if input social insurance number does not match the file social insurance number; if there are four or more inquiries within the last 60 days, or if the input surname does not match returned file.  A HAWK® message (optional): appears if address, phone number or SIN have been used in potentially fraudulent activity such as a commercial or institutional address.
		BUREAU RISK SCORE EMPIRICA® (Optional) Displays unbiased predictive score to project a consumer's future credit risk. It is displayed numerically with four explanation factors. These factors are displayed in order based on their relative impact on the final score. An *Alert* message occurs when a credit file contains MOP 7 or greater, a negative public record, a collection, or a previous bankruptcy.
		TRADES Provides an ongoing historical and current record of the consumer's buying and payment activities. Trade information includes the following:  Industry Code  Name and telephone number of credit grantor  Date the credit information was reported to Trans Union of Canada, Inc.  Date the account was opened  Date of last activity on the account  The high credit on the account  Balance owing as of date reported  Amount past due as of date reported  Terms of payment showing dollar amount owing and payment frequency
		Frequency codes are: L -  Bi Monthly  M -  Monthly  D -  Daily  S -  Semi Annually  Q -  Quarterly  Y -  Annually  W -  Weekly  B -  Bi Weekly
		Payment pattern gives you a detailed history of payment ratings for a maximum of 24 months. It reads from left to right with the most current verified entry on the left on the first line. The line below gives a summary of the historical status of the ratings for the total number of months the credit grantor has been reviewing the account. There are buckets for 30, 60 and 90 days. Ratings of "2" are added to the 30 day bucket, ratings of "3" are added in the 60 day bucket and all other ratings (4, 5, 7, 8, 9) are counted in the 90 day bucket. #M is the total number of months reviewed.  Type of account (R, I, O, M) and Manner Of Payment at which the account is currently reported. (see breakdown of MOP codes for more details) R - Revolving I - Installment O - Open 30, 60, 90 day account M - Mortgage A narrative is used if the account is in some type of dispute or requires an explanation of the credit condition of the account.
		REGISTERED ITEMS Gives full detail of registration including security   A - Consumer goods  B - Inventory  C - Equipment  D - Assignment of book debts  E - Other securities
		BANKRUPTCY AND/OR PROPOSAL Will be maintained on consume's file in compliance with provincial regulations. Includes: date reported, name and address of trustees, assets, liabilities, comments, date revised and discharges with date.
		LEGAL ITEMS Will be maintained on consumer's file in compliance with provincial regulations. Includes: date reported, plaintiff's name, court, amount, balance, comments and revised date..
		COLLECTION INFORMATION Includes agency name and creditor's names (if provided), amount, balance and comments, plus date reported and/or revised date.
		INQUIRIES Displays the users who have viewed the consumer's credit file. Includes the date of the inquiry, the industry code of the inquirer, their name and telephone number.
		REMARKS Consumer Statement allows for comments from the consumer regarding information on their file.