Abstract:
The tool of the invention is a data gathering and analytical process that uses internal customer data and external CRA data to build a consumer credit market data base and data structure. The internal customer data is classified according to identified Customer Attributes, the CRA data is also classified according to identified Consumer Attributes and the combined data is further classified according to additional Value Added Attributes. The resulting data structure is organized at the individual level such that each individual has associated therewith values for each of the Customer Attributes, Consumer Attributes and Value Added Attributes. The resulting analysis can be used to set institutional strategies and/or to make predictive decisions on individual borrower credit requests.

Description:
BACKGROUND 
     The invention relates generally to credit lending strategies and decision processes and more particularly to an improved method and apparatus for obtaining, organizing, and analyzing internal customer credit data and external consumer credit data. 
     Typically, banks and other lending institutions have access to different independent sources of consumer credit information. The first source of information are Consumer Reporting Agencies (CRA&#39;s) that gather and sell consumer credit information to lending institutions so that these lending institutions can make rational decisions as to the credit worthiness of a particular prospective borrower. Most lending institutions report the credit activity of their customers to a CRA such that the CRA can accumulate and maintain a data base of the borrowing/credit history for individual borrowers. The most common type of CRA is the credit bureau. The Fair Credit Reporting Act (FCRA), enforced by the Federal Trade Commission, is designed to promote accuracy and ensure the privacy of the information used in consumer reports. The information reported by the CRA&#39;s, called a consumer report, contains data that is maintained and reported as it relates to a particular individual consumer. Lending institutions use the information in the consumer reports to make a risk assessment regarding the extension of credit and/or the lending of money to an individual consumer. 
     Other data that a lending institution has access to is the institution&#39;s own customer information. For example, a lending institution such as a bank will have a wide variety of customer data on all of its banking customers such as the customer&#39;s type and size of accounts, borrowing and credit history, banking behavior patterns and the like. This data, while detailed, is limited to individuals that have an existing relationship with the institution. 
     The lending institutions also have access to publicly available data such as reports issued by the government. This data tends to be very high level and is accurate only at a very gross level. Moreover, because this data is available to everyone, it does not offer a competitive advantage to any one lending institution. 
     Thus, a tool for analyzing the consumer credit market that is accurate, scalable, predictive and specifically tailored to the needs of the institution is desired. 
     SUMMARY 
     The tool of the invention is a data gathering and analytical process that uses internal customer data and external CRA data to build a consumer credit market data base and data structure. The data base and data structure can be used to analyze the consumer credit market, reduce analysis time, and enable actionable prediction to support risk/reward strategies for consumer lending. The tool of the invention combines the consumer data maintained by the CRA&#39;s with the lending institution&#39;s internal customer data to create a data base and structure representative of the consumer credit market that has strategic planning value as well as predictive capabilities. The internal customer data is classified according to identified Customer Attributes, the CRA data is also classified according to identified Consumer Attributes and the combined data is further classified according to additional Value Added Attributes. The resulting data structure is organized at the individual level such that each individual has associated therewith values for each of the Customer Attributes, Consumer Attributes and Value Added Attributes. The data structure is searchable and the data is organized such that the institution in control of the data base can analyze the consumer lending market by any one or a combination of attributes. The resulting analysis can be used to set institutional strategies and/or to make predictive decisions on individual borrower credit requests. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  is a block diagram showing one embodiment of the operating environment for the present invention. 
         FIG. 2  is a flow chart showing one embodiment of the creation of the data structure of the present invention. 
         FIG. 3  shows the data structure for the Consumer Data file. 
         FIG. 4  shows the data structure for the Customer Relationship file. 
         FIG. 5  shows the data structure for the Consumer Sample file. 
         FIG. 6  shows the data structure for the Merged file. 
         FIG. 7  shows the data structure for the Customer/Consumer Attribute file. 
         FIG. 8  shows the data structure for the User file. 
         FIG. 9  is a flow chart showing an example analysis using the system and User file of the invention. 
     
    
    
     DETAILED DESCRIPTION 
     The present invention will now be described in terms of specific example embodiments. It is to be understood that the invention is not limited to the example embodiments disclosed. It should also be understood that not every feature of the methods and systems described is necessary to implement the invention as claimed in any one of the appended claims. Also, throughout this disclosure, where a process or method is shown or described, the steps of the method may be performed in any order or simultaneously, unless it is clear from the context that one step depends on another being performed first. Additionally, there can be significant time lag between steps. 
     As previously discussed, the invention relates to a data base and data structure and analytical tool that can be used to analyze the consumer credit market, reduce analysis time, and enable actionable prediction to support risk/reward strategies for consumer lending. It should be understood that terms like “bank,” “financial institution,” and “institution” are used herein in their broadest sense. Institutions, organizations, or even individuals that process loans or extend credit are widely varied in their organization and structure. Terms like bank and institution are intended to encompass all such possibilities, including but not limited to, finance companies, stock brokerages, credit unions, mortgage companies, manufacturers who grant loans to secure the purchase of goods, finance companies, etc. Additionally, disclosed embodiments may suggest or illustrate the use of agencies or contractors external to the financial institution to perform some of the calculations and data repository services. These illustrations are examples only, and an institution or business can implement the entire invention on their own computer systems or even a single work station if appropriate databases are present and can be accessed. 
       FIG. 1  is a block diagram illustrating one example operating environment for the present invention. Processing platform  2  can include one or more processors  4  and a certain amount of memory  6 . Such a processing platform has associated with it data storage  10  such as optical disks, magnetic tape or other storage device for storing the data files shown generally at  8 , and computer programs or computer program code as shown at  11 . Processing platform  2  may reside at the financial institution or with a contractor. In the example of  FIG. 1 , processing platform  2  and the affiliated storage and computer program code and data storage elements are used to aggregate and maintain historical data, transaction attribute information, credit bureau data, etc. This processing platform can also direct the updating and creation of User files or User file information as will hereinafter be described. In this example, processing platform  2  can communicate with credit bureau systems  7 . Credit Bureau systems  7  are known in the art and reside at and are managed by the credit bureaus. The structure of the credit bureau systems  7  do not form part of the present invention except as described with respect to the creation and use of the Consumer Sample file  22  and the Merged file  24  as will hereinafter be described. Communication can take place over network  20 , which may be via virtual private networking (VPN) or other encrypted connections over the Internet, or via private networking facilities. Decisioning systems  21  can access information from Processing Platform  2  as needed. These decisioning systems  21  may reside, for example, at financial institution branches, management offices, or technical and operation centers. Decisioning systems  21  may include customer service systems, loan application systems, collection systems and tracking systems. 
     As previously discussed, it should be noted that computer program code in the form of various computer program instructions can be used to implement at least portions of the processes involved in carrying out embodiments of the invention. Such computer program code can be supplied via a computer program product containing all or a portion of the computer program instructions stored on a media. The media may be fixed, or removable. Such a media is conceptually illustrated at  11  of  FIG. 1  as a fixed storage media, but it could also be a removable optical or magnetic disc or tape. The computer program instructions can reside on any medium that can contain, store, communicate, propagate, or transport computer program code for execution by any type of computing platform, instruction execution system, or collection of such systems interconnected via a buss or network. Such a computer readable medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or propagation medium. Other examples of the computer-readable medium would include an electrical connection having one or more wires, a portable computer diskette or portable fixed disk, an optical fiber, a compact disc read-only memory (CD-ROM), and a digital versatile disc read-only memory (DVD-ROM). Note that the computer-usable or computer-readable medium could even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via, for instance, optical scanning of the paper or other medium, then compiled, interpreted, or otherwise processed in a suitable manner, if necessary, and then stored in a computer memory. Computer program instructions which implement all or a portion of the invention may also be embodied in a stream of information being retrieved over a network such as the Internet. All of the computer program code involved in carrying out the processes described herein can reside with one party, or on a single system. This would be the case for example if a financial institution wished to have complete control of the process. 
     The process for developing the data base, data structure and analytical tool of the invention will be described with reference to  FIGS. 1 and 2 . The institution has an existing data store shown as data base  10  that includes a Customer Data file  12 , maintained at the individual customer level. As best shown in  FIG. 3  the Customer Data file  12  includes personal customer information  301  such as name, customer number, address, social security number and the like; account information  302  such as types and sizes of accounts, loan and debt activity and the like; and behavior information  303  such as on-line versus face-to-face interaction, branch usage and the like. The information described and shown in  FIG. 3  is by way of example only and substantial other information may be maintained by the institution for its customers. This information is organized at the customer level such that for each of the institution&#39;s customers  304 , the customer&#39;s personal, account and behavior activity is associated with that customer. It will be appreciated that the Customer Data file  12  may include information on millions of customers for a large institution. It is also contemplated that customer data file  12  may be maintained by a third party for the benefit of the institution. 
     From this customer information Customer Relationship Attributes are developed that define the relationship between the customer and the institution (block  201 ). A list of example Customer Relationship Attributes is set forth at the end of this Detailed Description. While a preferred set of Customer Relationship Attributes is exemplified herein, it is to be understood that a fewer or greater number of attributes may be used in the use of the system of the invention. The attributes actually used will depend on those attributes that are identified by the institution as being important to defining the relationship with the customer. It will further be understood that these attributes can change over time as the relationship between the institution and its customers changes over time. 
     Once these attributes have been identified a Customer Relationship file  14  is created (block  202 ). The Customer Relationship  14  file would typically be stored in a data store such as data base  10 . It is to be understood that while the Customer Relationship file  14  is shown as being stored in data base  10  that also stores the institution&#39;s Customer Data file  12 , separate data stores may be used. The Customer Relationship file  14  has a data structure, as best shown in  FIG. 4 , that is at the customer level such that for each institution customer  401 , the customer is evaluated for the Customer Relationship Attributes  402  and a “value” is set for that attribute. The “value” could comprise a numerical value such as a ranking or dollar amount or it could comprise information such as zip code or it could be a binary flag such as Yes/No. Thus, for each customer of the institution  401  in the Customer Relationship file  14 , the attributes  402  associated with that customer may be identified and captured. It is to be understood that not every customer of an institution need be included in the Customer Relationship file  14 . 
     The institution also gathers information from the relevant CRA&#39;s. Specifically, the institution defines criteria and provides the criteria to one or more CRA&#39;s to define the consumers for which the institution desires consumer report data (block  203 ). The terms “customer” and “consumer” are used herein to distinguish between individuals that have a known relationship with the institution (customers) and individuals that may or may not have a relationship with the institution that are identified by a CRA as having a consumer credit relationship with another institution (consumers). The criteria may identify consumers based on specific criteria such as all consumers that have booked a particular institution product (e.g. credit card) during a desired time frame. Alternatively, the criteria may define a random sample of all consumers known to the CRA. A typical CRA data base  16  may have 280 million records on file. In order to manage the data, a sample of the total number of records may be used where, for example, the CRA samples every tenth record (block  204 ). A Consumer Sample file  22 , shown in  FIG. 5 , is created by the CRA that is again at the individual consumer level where for each consumer  501  in the Consumer Sample file  22  all of the information  502  maintained by the CRA is associated with that consumer (block  205 ). 
     The Customer Relationship file  14  and the Consumer Sample file  22  are merged to create Merged file  24  (block  206 ). To merge the files a commercially available merging program using match logic such as PermID developed by TRANSUNION may be used. The resulting Merged file  24 , shown in  FIG. 6 , will again be at the individual level where all of the attributes  402  captured in the Customer Relationship file  14  and all of the information  502  in the Consumer Sample file  22  are associated with an individual  601 . In the merged file it will be appreciated that the individual may be a customer of the institution, a consumer or both (i.e. have an existing relationship with the institution and a consumer credit relationship with another institution). The Merged file  24  includes information maintained by the CRA for its consumers and all Consumer Attributes maintained and identified by the institution and captured in the Consumer Relationship file  14 . Typically the Merged file  24  will be created by the CRA at the direction of the institution based on the criteria identified by the institution for selecting the consumers for the Consumer Sample file  22 . The CRA, however, may send its consumer file to the institution where the institution will create the merged file or a third party may receive the Consumer Sample file from the CRA and the Consumer Relationship file from the Institution and create the merged file for the benefit of the institution. 
     In order to maintain the confidentiality of individual credit status the CRA may delete all information related to the identity of a particular consumer in the Merged file  24 . Thus the Merged file  24  will identify the consumers/customers by reference number or other non-individual specific identifier. The information associated with that consumer/customer reference number will be specific to the individual but all identifying personal information such as name, social security number, address and the like will be removed from the Merged file  24 . 
     Consumer Attributes are identified that define the relationship between the consumer and any institution with which the consumer has a relationship (block  207 ). A list of example Consumer Attributes is set forth at the end of this Detailed Description. While a preferred set of Consumer Attributes is exemplified herein, it is to be understood that a fewer or greater number of attributes may be used in the system of the invention. The Consumer Attributes actually used will depend on those relationships that are identified by the institution as being most important to defining the relationship between the consumer and the consumer credit market. It will further be understood that these attributes can change over time as the relationship between consumers and the consumer credit market changes over time. 
     Once these Consumer Attributes have been identified a Customer/Consumer Attribute file  28  is created (block  208 ). The Customer/Consumer Attribute file  28  would typically be stored in a data store such as data base  10 . It is to be understood that while the Customer/Consumer Attribute file is shown as being stored in data base  10  that also stores the institutions other files, separate data stores may be used. Referring to  FIG. 7 , the Customer/Consumer Attribute file  28  has a data structure that is at the customer/consumer level such that for each individual customer and/or consumer  701 , the individual is evaluated for each of the Consumer Attributes. The Customer/Consumer Attribute file  28  captures the data for each Customer Attribute  402  and for each Consumer Attribute  702  where a “value” is set for each attribute. The “value” may comprise a numerical value such as a ranking or dollar amount or it may comprise a piece of information such as zip code or it may be a binary flag such as Yes/No or the like. 
     Thus, for each customer/consumer in the Customer/Consumer Attribute file  28 , the attributes associated with that customer and/or consumer are identified and captured. It is to be understood that some individuals will be consumers, some individuals will be customers and some individuals will be both consumers and customers. Consumers will only have Consumer Attributes  702  identified, customers will have only Customer Attributes  402  identified while consumer/customers have both Consumer Attributes and Customer Attributes identified. This file is at the individual level but does not include information that would allow the individuals to be identified as previously explained. 
     Value Added Attributes are defined (block  209 ) and a User File  32  is created (block  210 ) that includes the Value Added Attributes  802  in addition to the information contained in the Customer/Consumer Attribute file. The Value Added Attributes  802  consist primarily of comparative attributes and market total attributes. A list of example Value Added Attributes is set forth at the end of this Detailed Description. The comparative attributes are attributes that compare customer data and consumer data and market wide data. Market total attributes are attributes of the total consumer credit market. While a preferred set of Value Added Attributes  802  are exemplified herein, it is to be understood that a fewer or greater number of attributes may be used in the use of the system of the invention. The attributes actually used will depend on those relationships that are identified by the institution as being important to defining the relationship between the customer and consumer and the total consumer credit market. It will further be understood that these attributes can change over time as the relationship between customers and consumers and the consumer credit market changes over time. 
     The User file  32  would typically be stored in a data store such as data base  10 . It is to be understood that while the User file  32  is shown as being stored in data base  10 , a separate data store may be used. The User file  32  has a data structure, best shown in  FIG. 8 , maintained at the customer/consumer level such that for each individual customer and/or consumer  801 , the individual is evaluated for each of the Value Added Attributes  802  and a “value” is set for that attribute. The “value” could comprise a numerical value such as a ranking or dollar amount or it could comprise a piece of information such as zip code or it could be a binary flag such as Yes/No. 
     Thus for each customer/consumer  801  in the User file  32 , the Customer Attributes  402 , Consumer Attributes  702  and Value Added Attributes  802  associated with that customer and/or consumer would be identified and captured. It is to be understood that some individuals will be consumers, some individuals will be customers and some individuals will be both consumers and customers. Consumers will have Consumer Attributes and Value Added Attributes identified, customers will have Customer Attributes and Value Added Attributes identified while consumer/customers will have all attributes identified. As previously explained this file is at the individual level but does not include information that would allow the individuals to be identified. It is to be understood that the status of an individual as a customer or consumer may change over time. 
     When creating the User file  32 , in addition to identifying the Value Added Attributes, the data is scaled up from the sample provided by the CRA to a national level. The data is also scaled down in order to account for duplicative data. Duplicative data may result, for example, where one individual holds a joint account with another individual. Because the data is maintained and organized at the individual level this data would show up in the attributes associated with both joint account holders, in effect it would be captured twice. In order to scale up the data from the sample size to the actual market size, the sample could simply be multiplied by the sample rate, SR, (e.g. multiply the sample by 10 if one out of ten records is sampled) to estimate the size of the market; however, this will not account for duplicative data as described above. 
     The weighting methodology of the invention adjusts each line in the sample to combine the scaling up and scaling down in a single factor. To scale the data down a method for taking into account joint accounts has been developed. While most joint accounts are held by two people some accounts have more than two people. Therefore, the average number of holders per joint account is estimated at 2.1. The weighting of the data sample will be explained by way of example. Assume that an individual has three accounts and one of the accounts is a joint account and the other two accounts are individual accounts. To scale the data, the number of accounts held by the individual are totaled. In this example the total number of accounts (T) is 3. An ECOA (Equal Credit Opportunity Act) code that is unique to an account is used to identify joint account holders. Thus the system can identify which of the accounts are joint accounts. For each account a QT factor (number of holders per account) is assigned. For an independent account the QT factor is 1 and for the joint account the QT factor is 2.1. In the given example two of the accounts are individual and one of the accounts is joint. The QT factors for this individual are totaled (1+1+2.1=4.1) such that the customer&#39;s QT value is 4.1. The QT value (4.1) is scaled down by dividing it by the total number of accounts, T, (in this example T=3), such that the scale down factor is 4.1/3. To scale up this individual&#39;s accounts to determine the portion of the total market this account represents, the individual&#39;s total number of accounts (T=3) is multiplied by 10 (the sample rate, SR) and then divided by the scale down factor (4.1/3) or:
 
( T×SR )/( QT/T )=(3×10)/(4.1/3)=21.95.
 
     Thus, this single individual represents 21.95 accounts of the total market. The individual values of this individual&#39;s attributes can be multiplied by 21.95 to determine the partial market represented by this individual. The total market can be determined by adding the partial market values of all of the individuals in the sample. Account balances are treated the same way. 
     Once the User file  32  is created it can be used for in depth market analysis and/or for its predictive value. For market analysis the data can be analyzed to show specific consumer behavior or institution versus market performance or consumer versus institution versus market behavior. In one example market analysis, the institution may compare the activity of individuals, both customers and consumers, for a particular product offering in order to identify the attributes of individuals that were booked with the institution compared to the attributes of individuals that were not booked with the institution. 
     This analysis will be further explained by way of example with reference to  FIG. 9 . All customers that applied to the institution for a particular product offering are identified from the Customer Attributes in User file  32  based on specific criteria (block  901 ). Assume for purposes of this example that the product offering under review is auto loans. The criteria could further limit the customers by targeting a specific time frame such as first quarter year  1 . All consumers that opened an auto loan during the same time period with another institution are also identified from the Consumer Attributes in User file  32  (block  902 ). If this information is identifiable from the attributes in an existing User file (block  903 ), both sets of individuals can be identified and all attributes related to the two sets can be identified (block  904 ). If for some reason the individuals cannot be identified from the existing User file (for example, the User file information was not gathered for the desired time frame) an analysis specific User file can be created following the procedure outlined with reference to  FIG. 2  (block  905 ). In this instance the Customer Relationship file  14  is created from the Customer data file  12  for only those individuals that meet the analysis criteria (e.g. customers that applied for an auto loan during the target time period). Likewise the Consumer Sample File  22  is created from a sample of those consumers that opened an auto loan with another institution during the target time period. These files are merged and the User file is created as previously described except that this User file captures only those individuals that meet the desired criteria. This User file allows access to all attributes for the targeted individuals such that attributes of auto loan customers can be compared to the attributes of auto loan consumers generally. The two sets of data allow the institution to view any variation of the auto loan market including individuals that: 
     Applied to and booked with the institution; 
     Applied to and were approved by the institution but booked elsewhere; 
     Applied to but were declined by the institution and booked elsewhere; 
     Applied elsewhere and were booked elsewhere; and 
     Applied to the institution but did not book anywhere. 
     Prior to the implementation of the analytical tool of the invention, the institution would only have a complete view of individuals that applied to and booked with the institution and a partial view of individuals that applied to the institution but did not book with the institution. 
     A further analytical approach would be to repeat the forgoing process for the same product at a later date. For example, customers that applied to the institution for the same product offering are identified (block  906 ). The criteria are modified from the initial analysis in that the specific time frame is redefined as first quarter year  3 . All consumers that opened an auto loan during the same time period with another institution are also identified from the Consumer Attributes in User file  32  (block  907 ). If this information is identifiable from the attributes in an existing User file (block  908 ), both sets of individuals can be identified and all attributes related to the two sets can be identified (block  909 ). If for some reason the individuals cannot be identified from the existing User file an analysis specific User file can be created following the procedure outlined with reference to  FIG. 2  (block  905 ). The second User file in addition to capturing loan applications and booking information may also include loan performance criteria including delinquencies, charge offs, repossessions and the like reported by the CRA. By comparing the two User files (block  910 ) the institution can identify which loan applicants were credit worthy and which were not and the attributes of each group of loan applicants. The institution can compare actual loan performance with predicted credit worthiness to determine if the institution&#39;s loan scoring criteria was actually predictive of performance. The institution can also plan future strategies to focus on the more credit worthy applicants (block  911 ). Any other attribute of the groups can also be compared and contrasted such that performance over time can be tracked. Other market analysis can also be performed using the data base as shown and described. 
     In one such strategy the User data base can be used for its predictive value. To make the decision for loaning money or extending credit to a potential borrower is typically made based on a credit score that represents the credit trustworthiness of the applicant. The credit score is compared to a cutoff score that is developed based on the pass rates and bad rates for the particular type of loan the applicant seeks and the decision to make the loan is based on this comparison. The CRA may compute and provide the applicant&#39;s score to the lending institution or the CRA may provide the raw data to the lending institution and the lending institution will compute its own score. The lending institution may take into account information the lending institution has determined has a bearing on its decision to lend money from the foregoing analysis. For example, the lending institution may be more likely to make a loan to a customer that holds a certain type of account and/or dollar amount with the institution, or that has other attributes that are identified as being indicators of the credit worthiness of an individual borrower. 
     Customer Relationship Attributes 
     ID 
     SSN 
     First name 
     Middle name 
     Last name 
     Suffix 
     Address line 1 
     Address line 2 
     City 
     State 
     Zip first 5 digits code 
     Zip 4 
     On us flag 
     Type of tax identification code 
     INST (“Institute”) first mortgage number of open accounts 
     INST first mortgage sum of balances for open accounts 
     INST first mortgage sum of originations for open accounts 
     Months on book for oldest open first mortgage account 
     Months on book for youngest open first mortgage account 
     INST home equity loan number of open accounts 
     INST home equity loan sum of balances for open accounts 
     INST home equity loan sum of originations for open accounts 
     Months on book for oldest open home equity loan account 
     Months on book for youngest open home equity loan account 
     INST auto number of open accounts 
     INST auto sum of balances for open accounts 
     INST sum of originations for open accounts 
     Months on book for oldest open auto account 
     Months on book for youngest open auto account 
     INST other installment number of open accounts 
     INST other installment sum of balances for open accounts 
     INST other installment sum of originations for open accounts 
     Months on book for oldest open other installment account 
     Months on book for youngest open other installment account 
     INST heloc number of open accounts 
     INST heloc sum of balances for open accounts 
     INST heloc sum of originations for open accounts 
     Months on book for oldest open heloc account 
     Months on book for youngest open heloc account 
     INST bankcard number of open accounts 
     INST bankcard sum of balances for open accounts 
     INST bankcard sum of originations for open accounts 
     Months on book for oldest open bankcard account 
     Months on book for youngest open bankcard account 
     INST other loc number of open accounts 
     INST other loc sum of balances for open accounts 
     INST other loc sum of originations for open accounts 
     Months on book for oldest open other loc account 
     Months on book for youngest open other loc account 
     INST any deposit number of open accounts 
     INST any deposit sum of balances for open accounts 
     Months on book for oldest open deposit account 
     Months on book for youngest open deposit account 
     INST any investment number of open accounts 
     INST any investment sum of balances for open accounts 
     Months on book for oldest open investment account 
     Months on book for youngest open investment account 
     Bureau refresh score 
     INST dfs auto number of open accounts 
     INST dfs auto sum of balances for open accounts 
     INST dfs speciality number of open accounts 
     INST dfs speciality sum of balances for open accounts 
     INST heloc number of increase accounts in last 3 month 
     INST heloc sum of balances for increase accounts in last 3 months 
     INST heloc sum of line amount for increase accounts in last 3 months 
     INST heloc sum of incremental line amount for increase accounts in last 3 months 
     INST secured bankcard number of open accounts 
     INST secured bankcard sum of balances for open accounts 
     INST secured bankcard sum of line amount for open accounts 
     INST checking number of open accounts 
     INST checking sum of balances for open accounts 
     INST cd number of open accounts 
     INST cd sum of balances for open accounts 
     INST ira number of open accounts 
     INST ira sum of balances for open accounts 
     INST money market number of open accounts 
     INST money market sum of balances for open accounts 
     INST regular savings number of open accounts 
     INST regular savings sum of balances for open accounts 
     INST annuity number of open accounts 
     INST annuity sum of balances for open accounts 
     INST brokerage number of open accounts 
     INST brokerage sum of balances for open accounts 
     INST money manager number of open accounts 
     INST money manager sum of balances for open accounts 
     INST number of atm/check cards 
     INST first mortgage nibt amount for open accounts 
     INST home equity loan nibt amount for open accounts 
     INST auto nibt amount for open accounts 
     INST other installment nibt amount for open accounts 
     INST heloc nibt amount for open accounts 
     INST bankcard nibt amount for open accounts 
     INST other loc nibt amount for open accounts 
     INST any deposit nibt amount for open accounts 
     INST any investment nibt amount for open accounts 
     Insufficient funds fees amount 
     Overdraft charge amount 
     Fully allocated net income amount 
     Net interest income amount 
     Non interest income amount 
     Non interest expense amount 
     # of months party has had a bofa relationship 
     Name form code 
     Service level indicator code 
     Sales and service sales channel code 
     Plus code 
     Number of premier sales channel accounts 
     Number of private bank sales channel accounts 
     Number of small business sales channel accounts 
     Associate indicator 
     Customer age 
     Gender 
     Seg_cd when seg_typ_cd=pprf 
     Seg_cd when seg_typ_cd=nedatt 
     Seg_cd when seg_typ_cd=ciggrp 
     Seg_cd when seg_typ_cd=potndep 
     Seg_cd when seg_typ_cd=potnin 
     Seg_cd when seg_typ_cd=potninv 
     Seg_cd when seg_typ_cd=potntotbl 
     Seg_cd when seg_typ_cd=valuquad 
     Realized profit amount 
     Realized profit deposit amount 
     Realized profit investment amount 
     Realized profit loan amount 
     Unrealized total balance amount 
     Unrealized deposit amount 
     Unrealized investment amount 
     Unrealized loan amount 
     Unrealized profit amount 
     Unrealized profit deposit amount 
     Unrealized profit investment amount 
     Unrealized profit loan amount 
     Ethnicity code 
     Ethnicity code 
     Market segment code 
     Party collection child indicator 
     Party collection demographic cluster code 
     Party collection demographic cluster group code 
     Home purchase amount 
     Home market value amount 
     Available home equity amount 
     Loan to value percent 
     Home owner indicator 
     Home owner rent code 
     Number of service calls to the vru system 
     Number of times logged in to online banking/billpay 
     Premier migration quarters on book 
     Loan purpose 
     Loan channel 
     Application date 
     Amount requested 
     Score 
     Custom score 
     Actual ltv 
     Actual dti 
     Final application status 
     Interest rate 
     Days to fund 
     Line increase flag 
     Allowable ltv 
     Allowable dti 
     INST lien position 
     Total lien amount 
     Prequel flag 
     Application date 
     Amount requested 
     Score 
     Custom score 
     Actual ltv 
     Actual dti 
     Final application status 
     Interest rate 
     Days to fund 
     Number of applications 
     Escrow deposit at closing 
     Property zipcode 
     On us refinance transaction indicator 
     Property sales price 
     Total ltv 
     Incomplete application decline 
     Asset related decline 
     Bankruptcy related decline 
     Credit report delinquency decline 
     Employment related decline 
     Income related decline 
     Insufficient credit reference decline 
     Other decline 
     Derogatory public record decline 
     Property related decline 
     Score decline 
     Credit card channel 
     Mtg product 
     Home equity product 
     CCA cobrand count 
     CCA cobrand balance 
     CCA aggregate count 
     CCA aggregate balance 
     Total teller deposit count 
     Total teller withdrawal count 
     Total ATM withdrawal count 
     Total ATM deposit count 
     Max teller deposit count 
     Max teller withdrawal count 
     Max vru inquery count 
     Max online banking logon count 
     Max ATM withdrawal count 
     Max ATM deposit count 
     Heloc channel 
     Fleet match 
     Heloc increase flag 
     Heloc increase months on book 
     Heloc increase line 
     Consumer Attributes 
     TU zip code 
     TU city 
     TU state 
     Job specific sequence # created by TU (7Z070100000001-7Z073999999999) 
     INST first lien number of open accounts 
     INST first lien number of open accounts opened w/in the last 3 m 
     INST first lien sum of bal for open accounts 
     INST first lien sum of bal for open accounts opened w/in 3 m 
     INST first lien number of accounts currently 90+ verified w/in the last 6 m 
     INST first lien sum of bal currently 90+ verified w/in the last 6 m 
     INST first lien sum of amount financed for open accounts 
     INST first lien sum of amount financed for open accounts w/in 3 m 
     INST lien age of oldest trade 
     Non-INST non-finance first lien number of open accounts 
     Non-INST non-finance first lien number of open accounts opened w/in the last 3 m 
     Non-INST non-finance first lien sum of bal for open accounts 
     Non-INST non-finance first lien sum of bal for open accounts w/in 3 m 
     Non-INST non-finance first lien number of accounts currently 90+ verified w/in 6 m 
     Non-INST non-finance first lien sum of bal currently 90+ verified w/in 6 m 
     Non-INST non-finance first lien sum of amount financed for open accounts 
     Non-INST non-finance first lien sum of amount financed for open accounts open w/in 3 m 
     Non-INST non-finance first lien age of oldest trade 
     Non-INST finance first lien number of open accounts 
     Non-INST finance first lien number of open accounts opened w/in the last 3 m 
     Non-INST finance first lien sum of bal for open accounts 
     Non-INST finance first lien sum of bal for open accounts w/in 3 m 
     Non-INST finance first lien number of accounts currently 90+ verified w/in 6 m 
     Non-INST finance first lien sum of bal currently 90+ verified w/in 6 m 
     Non-INST finance first lien sum of amount financed for open accounts 
     Non-INST finance first lien sum of amount financed for open accounts open w/in 3 m 
     Non-INST finance first lien age of oldest trade 
     INST home equity loan number of open accounts 
     INST home equity loan number of open accounts opened w/in the last 3 m 
     INST home equity loan sum of bal for open 
     INST home equity loan sum of bal for open accounts opened w/in 3 m 
     INST home equity loan number of accounts currently 90+ verified w/in the last 6 m 
     INST home equity loan sum of bal currently 90+ verified w/in the last 6 m 
     INST home equity loan sum of amount financed for open accounts 
     INST home equity loan sum of amount financed for open accounts open with 3 m 
     Non-INST non-finance home equity loan number of open accounts 
     Non-INST non-finance home equity loan number of open accounts opened w/in the last 3 m 
     Non-INST non-finance home equity loan sum of bal for open accounts 
     Non-INST non-finance home equity loan sum of bal for open accounts w/in 3 m 
     Non-INST non-finance home equity loan number of accounts currently 90+ verified w/in 6 m 
     Non-INST non-finance home equity loan sum of bal currently 90+ verified w/in 6 m 
     Non-INST non-finance home equity loan sum of amount financed for open accounts 
     Non-INST non-finance home equity loan sum of amount financed for open accounts open w/in 3 m 
     Non-INST finance home equity loan number of open accounts 
     Non-INST finance home equity loan number of open accounts opened w/in the last 3 m 
     Non-INST finance home equity loan sum of bal for open accounts 
     Non-INST finance home equity loan sum of bal for open accounts w/in 3 m 
     Non-INST finance home equity loan number of accounts currently 90+ verified w/in 6 m 
     Non-INST finance home equity loan sum of bal currently 90+ verified w/in 6 m 
     Non-INST finance home equity loan sum of amount financed for open accounts 
     Non-INST finance home equity loan sum of amount financed for open accounts open with 3 m 
     INST auto number of open accounts 
     INST auto number of open accounts opened w/in the last 3 m 
     INST auto sum of bal for open accounts 
     INST auto sum of bal for open accounts opened w/in 3 m 
     INST auto number of accounts currently 90+ verified w/in the last 6 m 
     INST auto sum of bal currently 90+ verified w/in the last 6 m 
     INST auto sum of amount financed for open accounts 
     INST auto sum of amount financed for open accounts open with 3 m 
     Non-INST non-finance auto number of open accounts 
     Non-INST non-finance auto number of open accounts opened w/in the last 3 m 
     Non-INST non-finance auto sum of bal for open accounts 
     Non-INST non-finance auto sum of bal for open accounts w/in 3 m 
     Non-INST non-finance auto number of 
     Non-INST non-finance auto sum of bal currently 90+ verified w/in 6 m 
     Non-INST non-finance auto sum of amount financed for open accounts 
     Non-INST non-finance auto sum of amount financed for open accounts open with 3 m 
     Non-INST finance auto number of open accounts 
     Non-INST finance auto number of open accounts opened w/in the last 3 m 
     Non-INST finance auto sum of 
     Non-INST finance auto sum of bal for open accounts w/in 3 m 
     Non-INST finance auto number of accounts currently 90+ verified w/in 6 m 
     Non-INST finance auto sum of bal currently 90+ verified w/in 6 m 
     Non-INST finance auto sum of amount financed for open accounts 
     Non-INST finance auto sum of amount financed for open accounts open with 3 
     INST other installment number of open accounts 
     INST other installment number of open accounts opened w/in the last 3 m 
     INST other installment sum of bal for open accounts 
     INST other installment sum of bal for open accounts opened w/in 3 m 
     INST other installment number of accounts currently 90+ verified w/in the last 6 m 
     INST other installment sum of bal currently 90+ verified w/in the last 6 m 
     INST other installment sum of amount financed for open accounts 
     INST other installment sum of amount financed for open accounts open with 3 m 
     Non-INST non-finance other installment number of open accounts 
     Non-INST non-finance other installment of open accounts opened w/in the last 3 m 
     Non-INST non-finance other installment sum of bal for open accounts 
     Non-INST non-finance other installment sum of bal for open accounts w/in 3 m 
     Non-INST non-finance other installment number of accounts currently 90+ verified w/in 6 m 
     Non-INST non-finance other installment sum of bal currently 90+ verified w/in 6 m 
     Non-INST non-finance other installment sum of amount financed for open accounts 
     Non-INST non-finance other installment sum of amount financed for open accounts open w/in 3 m 
     Non-INST finance other installment number of open accounts 
     Non-INST finance other installment number of open accounts opened w/in the last 3 m 
     Non-INST finance other installment sum of bal for open accounts 
     Non-INST finance other installment sum of bal for open accounts w/in 3 m 
     Non-INST finance other installment number of accounts currently 90+ verified w/in 6 month 
     Non-INST finance other installment sum of bal currently 90+ verified w/in 6 m 
     Non-INST finance other installment sum of amount financed for open accounts 
     Non-INST finance other installment sum of amount financed for open accounts open with 3 m 
     INST heloc number of open accounts 
     INST heloc number of open accounts in last 3 month 
     INST heloc sum of bal for open accounts 
     INST heloc sum of bal for open accounts opened w/in 3 m 
     INST heloc number of accounts currently 90+ verified w/in the last 6 m 
     INST heloc sum of bal currently 90+ verified w/in the last 6 m 
     INST heloc sum of credit limit for open accounts 
     INST heloc sum of credit limit for open accounts open w/in 3 m 
     INST heloc number of open accounts with a zero bal 
     INST heloc number of open accounts opened w/in the last 3 m 
     Non-INST non-finance heloc number of open accounts 
     Non-INST non-finance heloc number of open accounts opened w/in the last 3 m 
     Non-INST non-finance heloc sum of bal for open accounts 
     Non-INST non-finance heloc sum of bal for open accounts w/in 3 m 
     Non-INST non-finance heloc number of accounts currently 90+ verified w/in 6 m 
     Non-INST non-finance heloc sum of bal currently 90+ verified w/in 6 m 
     Non-INST non-finance heloc sum of credit limit for open accounts 
     Non-INST non-finance heloc sum of credit limit for open accounts open w/in 3 m 
     Non-INST non-finance heloc number of open accounts with a zero bal 
     Non-INST non-finance heloc number of open accounts opened w/in the last 3 m with a zero bal 
     Non-INST finance heloc number of open accounts 
     Non-INST finance heloc number of open accounts opened w/in the last 3 m 
     Non-INST finance heloc sum of bal for open accounts 
     Non-INST finance heloc sum of bal for open accounts w/in 3 m 
     Non-INST finance heloc number of accounts currently 90+ verified w/in 6 m 
     Non-INST finance heloc sum of bal currently 90+ verified w/in 6 m 
     Non-INST finance heloc sum of credit limit for open accounts 
     Non-INST finance heloc sum of credit limit for open accounts open w/in 3 m 
     Non-INST finance heloc number of open accounts with a zero bal 
     Non-INST finance heloc number of open accounts opened w/in the last 3 m with a zero bal 
     INST bankcard number of open accounts 
     INST bankcard number of open accounts opened w/in the last 3 m 
     INST bankcard sum of bal for open accounts 
     INST bankcard sum of bal for open accounts opened w/in 3 m 
     INST bankcard number of accounts currently 90+ verified w/in the last 6 m 
     INST bankcard sum of bal currently 90+ verified w/in the last 6 m 
     INST bankcard sum of credit limit for open accounts 
     INST bankcard sum of credit limit for open accounts open with 3 m 
     INST bankcard number of open accounts with a zero bal 
     INST bankcard number of open accounts opened w/in the last 3 m with a zero bal 
     INST bankcard age of oldest trade 
     INST bankcard age of youngest trade 
     INST bankcard highest open bal 
     INST bankcard credit limit for highest open bal 
     Non-INST non-finance bankcard number of open accounts 
     Non-INST non-finance bankcard number of open accounts opened w/in the last 3 m 
     Non-INST non-finance bankcard sum of bal for open accounts 
     Non-INST non-finance bankcard sum of bal for open accounts w/in 3 m 
     Non-INST non-finance bankcard number of accounts currently 90+ verified w/in 6 m 
     Non-INST non-finance bankcard sum of 
     Non-INST non-finance bankcard sum of credit limit for open accounts 
     Non-INST non-finance bankcard sum of credit limit for open accounts open w/in 3 m 
     Non-INST non-finance bankcard number of open accounts with a zero bal 
     Non-INST non-finance bankcard number of open accounts opened w/in the last 3 m with a zero bal 
     Non-INST non-finance bankcard age of oldest trade 
     Non-INST non-finance bankcard age of youngest trade 
     Non-INST non-finance bankcard highest bal 
     Non-INST non-finance bankcard credit limit for highest open bal 
     Non-INST finance bankcard number of open accounts 
     Non-INST finance bankcard number of open accounts opened w/in the last 3 m 
     Non-INST finance bankcard sum of bal for open accounts 
     Non-INST finance bankcard sum of bal for open accounts w/in 3 m 
     Non-INST finance bankcard number of accounts currently 90+ verified w/in 6 m 
     Non-INST finance bankcard sum of bal currently 90+ verified w/in 6 m 
     Non-INST finance bankcard sum of credit limit for open accounts 
     Non-INST finance bankcard sum of credit limit for open accounts open w/in 3 m 
     Non-INST finance bankcard number of open accounts with a zero bal 
     Non-INST finance bankcard number of open accounts opened w/in the last 3 m with a zero bal 
     Non-INST finance bankcard age of oldest trade 
     Non-INST finance bankcard age of youngest trade 
     Non-INST finance bankcard highest open bal 
     Non-INST finance bankcard credit limit for highest open bal 
     INST other loc number of open accounts 
     INST other loc number of open accounts opened w/in the last 3 m 
     INST other loc sum of bal for open accounts 
     INST other loc sum of bal for open accounts opened w/in 3 m 
     INST other loc number of accounts currently 90+ verified w/in the last 6 m 
     INST other loc sum of bal currently 90+ verified w/in the last 6 m 
     INST other loc sum of credit limit for open accounts 
     INST other loc sum of credit limit for open accounts open with 3 m 
     INST other loc number of open accounts with a zero bal 
     INST other loc number of open accounts opened w/in the last 3 m with a zero bal 
     Non-INST non-finance other loc number of open accounts 
     Non-INST non-finance other loc number of open accounts opened w/in the last 3 m 
     Non-INST non-finance other loc sum of bal for open accounts 
     Non-INST non-finance other loc sum of bal for open accounts w/in 3 m 
     Non-INST non-finance other loc number of accounts currently 90+ verified w/in 6 m 
     Non-INST non-finance other loc sum of bal currently 90+ verified w/in 6 m 
     Non-INST non-finance other loc sum of credit limit for open accounts 
     Non-INST non-finance other loc sum of credit limit for open accounts open with 3 m 
     Non-INST non-finance other loc number of open accounts with a zero bal 
     Non-INST non-finance other loc number of open accounts opened w/in the last 3 m with a zero bal 
     Non-INST finance other loc number of open accounts 
     Non-INST finance other loc number of open accounts opened w/in the last 3 m 
     Non-INST finance other loc sum of bal for open accounts 
     Non-INST finance other loc sum of bal for open accounts w/in 3 m 
     Non-INST finance other loc number of accounts currently 90+ verified w/in 6 m 
     Non-INST finance other loc sum of bal currently 90+ verified w/in 6 m 
     Non-INST finance other loc sum of credit limit for open accounts 
     Non-INST finance other loc sum of credit limit for open accounts open with 3 m 
     Non-INST finance other loc number of open accounts with a zero bal 
     Non-INST finance other loc number of open accounts opened w/in the last 3 m with a zero bal 
     Thin file flag 
     Bankruptcy within 24 m flag 
     Consumer credit counseling w/in 24 m flag 
     Number of trades with a repossession w/in 24 m 
     Number of trades with a chargeoff w/in 24 m 
     Number of trades with a foreclosure w/in 24 m 
     Sum of collection bal 
     Number of months on the file 
     Number of non-INST inquiries with kob of B w/in 3 m 
     Number of non-INST inquiries with kob of F or Q w/in 3 m 
     Number of non-INST inquiries with kob of A w/in 3 m 
     Number of non-INST inquiries with kob other than A, B, F, or Q w/in 3 m 
     Number of INST inquiries w/in 3 m 
     # inquiries 0-5 months excluding last 7 days 
     # revolving trade lines with bal 
     Average months in file 
     Net fraction installment burden 
     Net fraction revolving burden 
     % trade lines never delinquent 
     Months since most recent delinquency 
     % installment trade lines 
     Maximum delinquency ever 
     # bank/nat&#39;l trades with bal 75% of high credit 
     # retail trade lines with bal 
     # trade lines 60+ ever and derog public records 
     # trade lines 90+ ever and derog public records 
     # revolving/open TL with bal opened in last 12 m 
     Max delq/public records in last 12 m 
     # satisfactory ratings 
     Worst credit bureau rating 
     % trade line with bal 
     Worst rating installment trade lines 
     Worst rating revolving/open trade lines 
     Months since most recent inquiry 
     # installment trade line 30+ ever 
     Months since most recent 60+ delinquency 
     Months since most recent derogatory rating 
     Months since oldest revolving/open trade line opened 
     # trade lines now current 
     # non-il trade lines with bal 50% of high credit 
     # revolving/open trade lines with bal 
     # trade lines opened in last 12 m 
     Average revolving/open bal 
     Months since oldest date opened 
     Total amount now past due 
     # inquiries 0-5 months 
     # major derogatory ratings 
     Months since most recent finance trade line opened 
     Worst credit bureau rating details 
     Worst rating trade lines reported in last 24 m 
     INST first lien current bal for open accounts with the highest bal 
     INST first lien amount financed for open accounts with the highest bal 
     INST first lien open date for open accounts with the highest bal 
     INST first lien monthly payment for open accounts with the highest bal 
     INST first lien loan amortization term for open accounts with the highest bal 
     INST first lien current bal for open accounts with the 2 nd  highest bal 
     INST first lien amount financed for open accounts with the 2 nd  highest bal 
     INST first lien open date for open accounts with the 2 nd  highest bal 
     INST first lien monthly payment for open accounts with the 2 nd  highest bal 
     INST first lien loan amortization term for open accounts with the 2 nd  highest bal 
     INST first lien current bal for open accounts with the 3 rd  highest bal 
     INST first lien amount financed for open accounts with the 3 rd  highest bal 
     INST first lien open date for open accounts with the 3 rd  highest bal 
     INST first lien monthly payment for open accounts with the 3 rd  highest bal 
     INST first lien loan amortization term for open accounts with the 3 rd  highest bal 
     Non-INST first lien current bal for open accounts with the highest bal 
     Non-INST first lien amount financed for open accounts with the highest bal 
     Non-INST first lien open date for open accounts with the highest bal 
     Non-INST first lien monthly payment for open accounts with the highest bal 
     Non-INST first lien loan amortization term for open accounts with the highest bal 
     Non-INST first lien current bal for open accounts with the 2 nd  highest bal 
     Non-INST first lien amount financed for open accounts with the 2 nd  highest bal 
     Non-INST first lien open date for open accounts with the 2 nd  highest bal 
     Non-INST first lien monthly payment for open accounts with the 2 nd  highest bal 
     Non-INST first lien loan amortization term for open accounts with the 2 nd  highest bal 
     Non-INST first lien current bal for open accounts with the 3 rd  highest bal 
     Non-INST first lien amount financed for open accounts with the 3 rd  highest bal 
     Non-INST first lien open date for open accounts with the 3 rd  highest bal 
     Non-INST first lien monthly payment for open accounts with the 3 rd  highest bal 
     Non-INST first lien loan amortization term for open accounts with the 3 rd  highest bal 
     INST first lien ECOA weighted number of open accounts 
     INST first lien ECOA weighted sum of bal for open accounts 
     INST home equity loan ECOA weighted number of open accounts 
     INST home equity loan ECOA weighted sum of bal for open accounts 
     INST auto ECOA weighted number of open accounts 
     INST auto ECOA weighted sum of bal for open accounts 
     INST other installment ECOA weighted number of open accounts 
     INST other installment ECOA weighted sum of bal for open accounts 
     INST heloc ECOA weighted number of open accounts 
     INST heloc ECOA weighted sum of bal for open accounts 
     INST bankcard ECOA weighted number of open accounts 
     INST bankcard ECOA weighted sum of bal for open accounts 
     INST other loc ECOA weighted number of open accounts 
     INST other loc ECOA weighted sum of bal for open accounts 
     Non-INST non-finance first lien ECOA weighted number of open accounts 
     Non-INST non-finance first lien ECOA weighted sum of bal for open accounts 
     Non-INST non-finance home equity loan ECOA weighted number of open accounts 
     Non-INST non-finance home equity loan ECOA weighted sum of bal for open accounts 
     Non-INST non-finance auto ECOA weighted number of open accounts 
     Non-INST non-finance auto ECOA weighted sum of bal for open accounts 
     Non-INST non-finance other installment ECOA weighted number of open accounts 
     Non-INST non-finance other installment ECOA weighted sum of bal for open accounts 
     Non-INST non-finance heloc ECOA weighted number open accounts 
     Non-INST non-finance heloc ECOA weighted sum of bal for open accounts 
     Non-INST non-finance bankcard ECOA weighted number open accounts 
     Non-INST non-finance bankcard ECOA weighted sum of bal for open accounts 
     Non-INST non-finance other loc ECOA weighted number open accounts 
     Non-INST non-finance other loc ECOA weighted sum of bal for open accounts 
     Non-INST finance first lien ECOA weighted number of open accounts 
     Non-INST finance first lien ECOA weighted sum of bal for open accounts 
     Non-INST finance home equity loan ECOA weighted number of open accounts 
     Non-INST finance home equity loan ECOA weighted sum of bal for open accounts 
     Non-INST finance auto ECOA weighted number of open accounts 
     Non-INST finance auto ECOA weighted sum of bal for open accounts 
     Non-INST finance other installment ECOA weighted number of open accounts 
     Non-INST finance other installment ECOA weighted sum of bal for open accounts 
     Non-INST finance heloc ECOA weighted number of open accounts 
     Non-INST finance heloc ECOA weighted sum of bal for open accounts 
     Non-INST finance bankcard ECOA weighted number of open accounts 
     Non-INST finance bankcard ECOA weighted sum of bal for open accounts 
     Non-INST finance other loc ECOA weighted number of open accounts 
     Non-INST finance other loc ECOA weighted sum of bal for open accounts 
     # installment trade lines with bal 
     # minor derogatory items 
     # revolving trades with bal 
     # revolving TL 30+ ever 
     # revolving/open TL 30+ ever 
     Total # of trades 
     # trades 30+ ever &amp; derog pub rec 
     Percent revolving bal 
     Percent revolving/open bal 
     Avg bal revolving TL opened last 12 mos 
     Avg bal rev/open TL opened last 12 mos 
     Average revolving bal 
     Months since most recent trade opened 
     Most since most recent inq excl 7 days 
     Months since oldest revolving TL opened 
     Net fraction bank revolving burden 
     Net fraction revolving/open burden 
     Total revolving bal 
     Total revolving/open bal 
     Worst rating revolving trade lines 
     Worst rating TL opened last 36 m 
     Months since most recent derogatory public record 
     Months since most recent 90+ trade line rating 
     # of disputed accounts 
     Transrisk new account version 2 score 
     Adverse action reason codes for transrisk new account score 
     Transrisk new account reject tag (D, I, N, X) 
     Select disposition (A—passed all selection criteria, R—failed selection criteria) 
     Select level (for now, value will always be ACC, but can change if program changes) 
     Reject reason (NA2excel—failed, levelacc—passed) 
     Ethnicity tag (A—Asian, H—Hispanic, Blank—ethnicity of consumer name is unknown) 
     Gender (F—female, M—male, I—name is initials, U—unknown, A—ambiguous) 
     Maximum current delinquency 
     # accounts rated 30 in the last 6 m 
     # accounts rated 60 in the last 6 m 
     # accounts rated 90 in the last 6 m 
     # accounts rated 30 in the last 12 m 
     # accounts rated 60 in the last 12 m 
     # accounts rated 90 in the last 12 m 
     Months since most recent 30+ trade line delinquency 
     Worst trade line rating last 12 m 
     Total assets 
     Total deposits 
     Age of consumer based on credit data (values 18-99) 
     Age of consumer is actual or not (B=actual or T=calculated) 
     Fleet first lien number of open accounts 
     Fleet first lien number of open accounts opened w/in the last 3 m 
     Fleet first lien sum of bal for open accounts 
     Fleet first lien sum of bal for open accounts opened w/in 3 m 
     Fleet first lien number of accounts currently 90+ verified w/in the last 6 m 
     Fleet first lien sum of bal currently 90+ verified w/in the last 6 m 
     Fleet first lien sum of amount financed for open accounts 
     Fleet first lien sum of amount financed for open accounts open w/in 3 m 
     Fleet first lien age of oldest trade 
     Fleet home equity loan number of open accounts 
     Fleet home equity loan number of open accounts opened w/in the last 3 m 
     Fleet home equity loan sum of bal for open 
     Fleet home equity loan sum of bal for open accounts opened w/in 3 m 
     Fleet home equity loan number of accounts currently 90+ verified w/in the last 6 m 
     Fleet home equity loan sum of bal currently 90+ verified w/in the last 6 m 
     Fleet home equity loan sum of amount financed for open accounts 
     Fleet home equity loan sum of amount financed for open accounts open with 3 m 
     Fleet auto number of open accounts 
     Fleet auto number of open accounts opened w/in the last 3 m 
     Fleet auto sum of bal for open accounts 
     Fleet auto sum of bal for open accounts opened w/in 3 m 
     Fleet auto number of accounts currently 90+ verified w/in the last 6 m 
     Fleet auto sum of bal currently 90+ verified w/in the last 6 m 
     Fleet auto sum of amount financed for open accounts 
     Fleet auto sum of amount financed for open accounts open with 3 m 
     Fleet other installment number of open accounts 
     Fleet other installment number of open accounts opened w/in the last 3 m 
     Fleet other installment sum of bal for open accounts 
     Fleet other installment sum of bal for open accounts opened w/in 3 m 
     Fleet other installment number of accounts currently 90+ verified w/in the last 6 m 
     Fleet other installment sum of bal currently 90+ verified w/in the last 6 m 
     Fleet other installment sum of amount financed for open accounts 
     Fleet other installment sum of amount financed for open accounts open with 3 m 
     Fleet heloc number of open accounts 
     Fleet heloc number of open accounts in last 3 month 
     Fleet heloc sum of bal for open accounts 
     Fleet heloc sum of bal for open accounts opened w/in 3 m 
     Fleet heloc number of accounts currently 90+ verified w/in the last 6 m 
     Fleet heloc sum of bal currently 90+ verified w/in the last 6 m 
     Fleet heloc sum of credit limit for open accounts 
     Fleet heloc sum of credit limit for open accounts open w/in 3 m 
     Fleet heloc number of open accounts with a zero bal 
     Fleet heloc number of open accounts opened w/in the last 3 m 
     Fleet bankcard number of open accounts 
     Fleet bankcard number of open accounts opened w/in the last 3 m 
     Fleet bankcard sum of bal for open accounts 
     Fleet bankcard sum of bal for open accounts opened w/in 3 m 
     Fleet bankcard number of accounts currently 90+ verified w/in the last 6 m 
     Fleet bankcard sum of bal currently 90+ verified w/in the last 6 m 
     Fleet bankcard sum of credit limit for open accounts 
     Fleet bankcard sum of credit limit for open accounts open with 3 m 
     Fleet bankcard number of open accounts with a zero bal 
     Fleet bankcard number of open account opened w/in the last 3 month with a zero bal 
     Fleet bankcard age of oldest trade 
     Fleet bankcard age of youngest trade 
     Fleet bankcard highest open bal 
     Fleet bankcard credit limit for highest open bal 
     Fleet other loc number of open accounts 
     Fleet other loc number of open accounts opened w/in the last 3 m 
     Fleet other loc sum of bal for open accounts 
     Fleet other loc sum of bal for open accounts opened w/in 3 m 
     Fleet other loc number of accounts currently 90+ verified w/in the last 6 m 
     Fleet other loc sum of bal currently 90+ verified w/in the last 6 m 
     Fleet other loc sum of credit limit for open accounts 
     Fleet other loc sum of credit limit for open accounts open with 3 m 
     Fleet other loc number of open accounts with a zero bal 
     Fleet other loc number of open accounts opened w/in the last 3 m with a zero bal 
     Number of fleet inquiries w/in 3 m 
     Fleet first lien current bal for open accounts with the highest bal 
     Fleet first lien amount financed for open accounts with the highest bal 
     Fleet first lien open date for open accounts with the highest bal 
     Fleet first lien monthly payment for open accounts with the highest bal 
     Fleet first lien loan amortization term for open accounts with the highest bal 
     Fleet first lien current bal for pen accounts with the 2 nd  highest bal 
     Fleet first lien amount financed for open accounts with the 2 nd  highest bal 
     Fleet first lien open date for open accounts with the 2 nd  highest bal 
     Fleet first lien monthly payment for open accounts with the 2 nd  highest bal 
     Fleet first lien loan amortization term for open accounts with the 2 nd  highest bal 
     Fleet first lien current bal for open accounts with the 3 rd  highest bal 
     Fleet first lien amount financed for open accounts with the 3 rd  highest bal 
     Fleet first lien open date for open accounts with the 3 rd  highest bal 
     Fleet first lien monthly payment for open accounts with the 3 rd  highest bal 
     Fleet first lien loan amortization term for open accounts with the 3 rd  highest bal 
     Fleet first lien ECOA weighted number of open accounts 
     Fleet first lien ECOA weighted sum of bal for open accounts 
     Fleet home equity loan ECOA weighted number of open accounts 
     Fleet home equity loan ECOA weighted sum of bal for open accounts 
     Fleet auto ECOA weighted number of open accounts 
     Fleet auto ECOA weighted sum of bal for open accounts 
     Fleet other installment ECOA weighted number of open accounts 
     Fleet other installment ECOA weighted sum of bal for open accounts 
     Fleet heloc ECOA weighted number of open accounts 
     Fleet heloc ECOA weighted sum of bal for open accounts 
     Fleet bankcard ECOA weighted number of open accounts 
     Fleet bankcard ECOA weighted sum of bal for open accounts 
     Fleet other loc ECOA weighted number of open accounts 
     Fleet other loc ECOA weighted sum of bal for open accounts 
     Bankcard credit limit for open account with the highest credit limit 
     Bankcard balance for open account with the highest credit limit 
     Bankcard open date for open account with the highest credit limit 
     Bankcard credit limit for open account with the 2 nd  highest credit limit 
     Bankcard balance for open account with the 2 nd  highest credit limit 
     Bankcard open date for open account with the 2 nd  highest credit limit 
     Bankcard credit limit for open account with the 3 rd  highest credit limit 
     Bankcard balance for open account with the 3 rd  highest credit limit 
     Bankcard open date for open account with the 3 rd  highest credit limit 
     Bankcard credit limit for open account with the 4 th  highest credit limit 
     Bankcard balance for open account with the 4 th  highest credit limit 
     Bankcard open date for open account with the 4 th  highest credit limit 
     Bankcard credit limit for open account with the 5 th  highest credit limit 
     Bankcard balance for open account with the 5 th  highest credit limit 
     Bankcard open date for open account witj the 5 th  highest credit limit 
     Bankcard credit limit for open account with the 6 th  highest credit limit 
     Bankcard balance for open account with the 6 th  highest credit limit 
     Bankcard open date for open account with the 6 th  highest credit limit 
     INST bankcard indicator for top 6 bankcards by credit limit 
     Fleet bankcard indicator for top 6 bankcards by credit limit 
     Heloc credit limit for open account with the highest credit limit 
     Heloc balance for open account with the highest credit limit 
     Heloc open date for open account with the highest credit limit 
     Heloc credit limit for open account with the 2 nd  highest credit limit 
     Heloc balance for open account with the 2 nd  highest credit limit 
     Heloc open date for open account with the 2 nd  highest credit limit 
     INST heloc indicator for top 2 helocs by credit limit 
     Fleet heloc indicator for top 2 helocs by credit limit 
     Heloan credit limit for open account with the highest credit limit 
     Heloan balance for open account with the highest credit limit 
     Heloan open date for open account with the highest credit limit 
     Heloan credit limit for open account with the 2 nd  highest credit limit 
     Heloan balance for open account with the 2 nd  highest credit limit 
     Heloan open date for open account with the 2 nd  highest credit limit 
     INST heloan indicator for top 2 heloans by credit limit 
     Fleet heloan indicator for top 2 heloans by credit limit 
     # of months since last address change 
     Zip code of previous address 
     SSN type flag 
     # accounts with currently bal&gt;0 
     Total current bal of all accounts excluding mortgage 
     Number of accounts rated 30+ ever 
     Number of derogatory public records 
     Number of public record bankruptcies 
     # of open accounts 
     Total public record amounts 
     Total collection amounts ever owed 
     Latitude and longitude 
     Latitude and longitude flag 
     TU income estimator 
     TU income estimator code 
     TU debt to income estimator 
     Opt-out flag 
     Empirica score reject tag 
     State fips code 
     County fips code 
     Census tract 
     MSA code 
     Estimated home value based on banton score model 
     Number of INST trades ever 
     Number of fleet trades ever 
     Peer group first lien number of open accounts 
     Peer group first lien number of open accounts opened w/in the last 3 m 
     Peer group first lien sum of bal for open accounts 
     Peer group first lien sum of bal for open accounts opened w/in 3 m 
     Peer group first lien number of accounts currently 90+ verified w/in the last 6 m 
     Peer group first lien sum of bal currently 90+ verified w/in the last 6 m 
     Peer group first lien sum of amount financed for open accounts 
     Peer group first lien sum of amount financed for open accounts open w/in 3 m 
     Peer group first lien age of oldest trade 
     Peer group first lien current bal for open accounts with the highest bal 
     Peer group first lien amount financed for open accounts with the highest bal 
     Peer group first lien open date for open accounts with the highest bal 
     Peer group first lien current bal for open accounts with the 2 nd  highest bal 
     Peer group first lien amount financed for open accounts with the 2 nd  highest bal 
     Peer group first lien open date for open accounts with the 2 nd  highest bal 
     Peer group first lien ECOA weighted number of open accounts 
     Peer group first lien ECOA weighted sum of bal for open accounts 
     Number or peer group inquiries with kob of B w/in 3 m 
     Number of peer group inquiries with kob of F or Q w/in 3 m 
     Peer group bankcard indicator for top 6 bankcards by credit limit 
     Peer group heloc indicator for top 2 helocs by credit limit 
     Peer group heloan indicator for top 2 helocs by credit limit 
     INST first lien ECOA indicator for open accounts with the highest bal 
     INST first lien ECOA indicator for open accounts with the 2 nd  highest bal 
     Non-INST first lien ECOA indicator for open accounts with the highest bal 
     Non-INST first lien ECOA indicator for open accounts with the 2 nd  highest bal 
     Fleet first lien ECOA indicator for open accounts with the highest bal 
     Fleet first lien ECOA indicator for open accounts with the 2 nd  highest bal 
     Peer group first lien ECOA indicator for open accounts with the highest bal 
     Peer group first lien ECOA indicator for open accounts with the 2 nd  highest bal 
     Bankcard ECOA indicator for open account with the highest credit limit 
     Bankcard ECOA indicator for open account with the 2 nd  highest credit limit 
     Bankcard ECOA indicator for open account with the 3 rd  highest credit limit 
     Bankcard ECOA indicator for open account with the 4 th  highest credit limit 
     Bankcard ECOA indicator for open account with the 5 th  highest credit limit 
     Bankcard ECOA indicator for open account with the 6 th  highest credit limit 
     Heloc ECOA indicator for open account with the highest credit limit 
     Heloc ECOA indicator for open account with the 2 nd  highest credit limit 
     Heloan ECOA indicator for open account with the highest credit limit 
     Heloan ECOA indicator for open account with the 2 nd  highest credit limit 
     Bankcard raw cl for open acc w/1 st  highest cl 
     Bankcard raw cl for open acc w/2 nd  highest cl 
     Bankcard raw cl for open acc w/3 rd  highest cl 
     Bankcard raw cl for open acc w/4 th  highest cl 
     Bankcard raw cl for open acc w/5 th  highest cl 
     Bankcard raw cl for open acc w/6 th  highest cl 
     Heloc raw cl for open acc w/1 st  highest cl 
     Heloc raw cl for open acc w/2 nd  highest cl 
     City 
     State 
     Zip first 5 digits code 
     INST on us flag 
     Type of tax identification code 
     INST first mortgage number of open accounts 
     INST first mortgage sum of balances for open accounts 
     INST first mortgage sum of originations for open accounts 
     Months on book for oldest open first mortgage account 
     Months on book for youngest open first mortgage account 
     INST home equity loan number of open accounts 
     INST home equity loan sum of balances for open accounts 
     INST home equity loan sum of originations for open accounts 
     Months on book for oldest open home equity loan account 
     Months on book for youngest open home equity loan account 
     INST auto number of open accounts 
     INST auto sum of balances for open accounts 
     INST auto sum of originations for open accounts 
     Months on book for oldest open auto account 
     Months on book for youngest open auto account 
     INST other installment number of open accounts 
     INST other installment sum of balances for open accounts 
     INST other installment sum of originations for open accounts 
     Months on book for oldest open other installment account 
     Months on book for youngest open other installment account 
     INST heloc number of open accounts 
     INST heloc sum of balances for open accounts 
     INST heloc sum of originations for open accounts 
     Months on book for oldest open heloc account 
     Months on book for youngest open heloc account 
     INST bankcard number of open accounts 
     INST bankcard sum of balances for open accounts 
     INST bankcard sum of originations for open accounts 
     Months on book for oldest open bankcard account 
     Months on book for youngest open bankcard account 
     INST other loc number of open accounts 
     INST other loc sum of balances for open accounts 
     INST other loc sum of originations for open accounts 
     Months on book for oldest open other loc account 
     Months on book for youngest open other loc account 
     INST any deposit number of open accounts 
     INST any deposit sum of balances for open accounts 
     Months on book for oldest open deposit account 
     Months on book for youngest open deposit account 
     INST any investment number of open accounts 
     INST any investment sum of balances for open accounts 
     Months on book for oldest open investment account 
     Months on book for youngest open investment account 
     Bureau refresh score 
     INST dfs auto number of open accounts 
     INST dfs auto sum of balances for open accounts 
     INST dfs speciality number of open accounts 
     INST dfs speciality sum of balances for open accounts 
     INST heloc number of increase accounts in last 3 month 
     INST heloc sum of balances for increase accounts in last 3 months 
     INST heloc sum of line amount for increase accounts in last 3 months 
     INST heloc sum of incremental line amount for increase accounts in last 3 months 
     INST secured bankcard number of open accounts 
     INST secured bankcard sum of balances for open accounts 
     INST secured bankcard sum of line amount for open accounts 
     INST checking number of open accounts 
     INST checking sum of balances for open accounts 
     INST CD number of open accounts 
     INST CD sum of balances for open accounts 
     INST IRA number of open accounts 
     INST IRA sum of balances for open accounts 
     INST money market number of open accounts 
     INST money market sum of balances for open accounts 
     INST regular savings number of open accounts 
     INST regular savings sum of balances for open accounts 
     INST annuity number of open accounts 
     INST annuity sum of balances for open accounts 
     INST brokerage number of open accounts 
     INST brokerage sum of balances for open accounts 
     INST money manager number of open accounts 
     INST money manager sum of balances for open accounts 
     INST number of ATM/check cards 
     INST first mortgage nibt amount for open accounts 
     INST home equity loan nibt amount for open accounts 
     INST auto nibt amount for open accounts 
     INST other installment nibt amount for open accounts 
     INST heloc nibt amount for open accounts 
     INST bankcard nibt amount for open accounts 
     INST other loc nibt amount for open accounts 
     INST any deposit nibt amount for open accounts 
     INST any investment nibt amount for open accounts 
     Insufficient funds fees amount 
     Overdraft charge amount 
     Fully allocated net income amount 
     Net interest income amount 
     Non interest income amount 
     Non interest expense amount 
     # of months party has had a bac relationship 
     Name form code 
     Service level indicator code 
     Sales and service sales channel code 
     Plus code 
     Number of premier sales channel accounts 
     Number of private bank sales channel accounts 
     Number of small business sales channel accounts 
     Associate indicator 
     Customer age 
     Gender 
     Seg_cd when seg_typ_cd=pprf 
     Seg_cd when seg_typ_cd=nedatt 
     Seg_cd when seg_typ_cd=ciggrp 
     Seg_cd when seg_typ_cd=potndep 
     Seg_cd when seg_typ_cd=potnin 
     Seg_cd when seg_typ_cd=potninv 
     Seg_cd when seg_typ_cd=potntotbl 
     Seg_cd when seg_typ_cd=valuquad 
     Realized profit amount 
     Realized profit deposit amount 
     Realized profit investment amount 
     Realized profit loan amount 
     Unrealized total balance amount 
     Unrealized deposit amount 
     Unrealized investment amount 
     Unrealized loan amount 
     Unrealized profit amount 
     Unrealized profit deposit amount 
     Unrealized profit investment amount 
     Unrealized profit loan amount 
     Ethnicity code 
     Ethnicity code 
     Market segment code 
     Party collection child indicator 
     Party collection demographic cluster code 
     Party collection demographic cluster group code 
     Home purchase amount 
     Home market value amount 
     Available home equity amount 
     Loan to value percent 
     Home owner indicator 
     Home owner rent code 
     Number of service calls to the vru system 
     Number of times logged in to online banking/billpay 
     Premier migration quarters on book 
     Loan purpose 
     Loan channel 
     Application date 
     Amount requested 
     Score 
     Custom score 
     Actual ltv 
     Actual dti 
     Final application status 
     Interest rate 
     Days to fund 
     Line increase flag 
     Allowable ltv 
     Allowable dti 
     INST lien position 
     Total lien amount 
     Prequal flag 
     Application date 
     Amount requested 
     Score 
     Custom score 
     Actual ltv 
     Actual dti 
     Final application status 
     Interest rate 
     Days to fund 
     Number of applicants 
     Escrow deposit at closing 
     Property zip code 
     Loan purpose 
     On us refinance transaction indicator 
     Property sales price 
     Total ltv 
     Incomplete application decline 
     Asset related decline 
     Bankruptcy related decline 
     Credit report delinquency decline 
     Employment related decline 
     Income related decline 
     Insufficient credit reference decline 
     Other decline 
     Derogatory public record decline 
     Property related decline 
     Score decline 
     Credit card channel 
     Mtg product 
     Home equity product 
     INST bankcard co-brand number of open accounts 
     INST bankcard co-brand sum of balances for open accounts 
     INST agent/affinity number of open accounts 
     INST bankcard agent/affinity sum of balances for open accounts 
     Total teller deposit quantity 
     Total teller withdrawal quantity 
     Total ATM deposit quantity 
     Total ATM withdrawal quantity 
     Max teller deposit quantity 
     Max teller withdrawal quantity 
     Max service calls to the vru system 
     Max times logged in to online banking/billpay 
     Max ATM deposit quantity 
     Max ATM withdrawal quantity 
     He loan channel 
     Fbf on us flag 
     Heloc increase flag 
     Heloc increase months on book 
     Heloc increase incremental line amount 
     Value Added Attributes 
     Weighted INST auto sum of bal for open accounts 
     Weighted INST auto sum of bal currently 90+ verified w/in the last 6 m 
     Weighted INST auto sum of amount financed for open accounts 
     Weighted INST auto number of open accounts 
     Weighted INST auto number of accounts currently 90+ verified w/in the last 6 m 
     Weighted non-INST finance auto sum of 
     Weighted non-INST finance auto sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST finance auto sum of amount financed for open accounts 
     Weighted non-INST finance auto number of open accounts 
     Weighted non-INST finance auto number of accounts currently 90+ verified w/in 6 m 
     Weighted fleet auto sum of bal for open accounts 
     Weighted fleet auto sum of bal currently 90+ verified w/in last 6 m 
     Weighted fleet auto sum of amount financed for open accounts 
     Weighted fleet auto number of open accounts 
     Weighted fleet auto number of accounts currently 90+ verified w/in the last 6 m 
     Weighted non-INST non-finance auto sum of bal for open accounts 
     Weighted non-INST non-finance auto sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST non-finance auto sum of amount financed for open accounts 
     Weighted non-INST non-finance auto number of open accounts 
     Weighted non-INST non-finance auto number of 
     Weighted non-INST total auto sum of 
     Weighted non-INST total auto sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST total auto sum of amount financed for open accounts 
     Weighted non-INST total auto number of open accounts 
     Weighted non-INST total auto number of accounts currently 90+ verified w/in 6 m 
     Weighted INST credit card sum of bal for open accounts 
     Weighted INST credit card sum of bal currently 90+ verified w/in the last 6 m 
     Weighted INST credit card sum of credit limit for open accounts 
     Weighted INST credit card number of open accounts 
     Weighted INST credit card number of accounts currently 90+ verified w/in the last 6 m 
     Weighted INST credit card number of open accounts with a zero bal 
     Weighted non-INST finance credit card sum of bal for open accounts 
     Weighted non-INST finance credit card sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST finance credit card sum of credit limit for open accounts 
     Weighted non-INST finance credit card number of open accounts 
     Weighted non-INST finance credit card number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST finance credit card number of open accounts with a zero bal 
     Weighted fleet credit card sum of bal for open accounts 
     Weighted fleet credit card sum of bal currently 90+ verified w/in the last 6 m 
     Weighted fleet credit card sum of credit limit for open accounts 
     Weighted fleet credit card number of open accounts 
     Weighted fleet credit card number of accounts currently 90+ verified w/in the last 6 m 
     Weighted fleet credit card number of open accounts with a zero balance 
     Weighted non-INST non-finance credit card sum of bal for open accounts 
     Weighted non-INST non-finance credit card sum of 
     Weighted non-INST non-finance credit card sum of credit limit for open accounts 
     Weighted non-INST non-finance credit card number of open accounts 
     Weighted non-INST non-finance credit card number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST non-finance credit card number of open accounts with a zero bal 
     Weighted non-INST total credit card sum of bal for open accounts 
     Weighted non-INST total credit card sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST total credit car sum of credit limit for open accounts 
     Weighted non-INST total credit card number of open accounts 
     Weighted non-INST total credit card number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST total credit card number of open accounts with a zero bal 
     Weighted INST heloc sum of bal for open accounts 
     Weighted INST heloc sum of bal currently 90+ verified w/in the last 6 m 
     Weighted INST heloc sum of credit limit for open accounts 
     Weighted INST heloc number of open accounts 
     Weighted INST heloc number of accounts currently 90+ verified w/in the last 6 m 
     Weighted INST heloc number of open accounts with a zero bal 
     Weighted non-INST finance heloc sum of bal for open accounts 
     Weighted non-INST finance heloc sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST finance heloc sum of credit limit for open accounts 
     Weighted non-INST finance heloc number of open accounts 
     Weighted non-INST finance heloc number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST finance heloc number open accounts with a zero bal 
     Weighted fleet heloc sum of bal for open accounts 
     Weighted fleet heloc sum of bal currently 90+ verified w/in the last 6 m 
     Weighted fleet heloc sum of credit limit for open accounts 
     Weighted fleet heloc number of open accounts 
     Weighted fleet heloc number of accounts currently 90+ verified w/in the last 6 m 
     Weighted fleet heloc number of open accounts with a zero bal 
     Weighted non-INST non-finance heloc sum of bal for open accounts 
     Weighted non-INST non-finance heloc sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST non-finance heloc sum of credit limit for open accounts 
     Weighted non-INST non-finance heloc number of open accounts 
     Weighted non-INST non-finance heloc number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST non-finance heloc number of open accounts with a zero bal 
     Weighted non-INST total heloc sum of bal for open accounts 
     Weighted non-INST total heloc sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST total heloc sum of credit limit for open accounts 
     Weighted non-INST total heloc number of open accounts 
     Weighted non-INST total heloc number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST total heloc number of open accounts with a zero bal 
     Weighted INST home equity loan sum of bal for open 
     Weighted INST home equity loan sum of bal currently 90+ verified w/in the last 6 m 
     Weighted INST home equity loan sum of amount financed for open accounts 
     Weighted INST home equity loan number of open accounts 
     Weighted INST home equity loan number of accounts currently 90+ verified w/in the last 6 m 
     Weighted non-INST finance home equity loan sum of bal for open accounts 
     Weighted non-INST finance home equity loan sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST finance home equity loan sum of amount financed for open accounts 
     Weighted non-INST finance home equity loan number of open accounts 
     Weighted non-INST finance home equity loan number of accounts currently 90+ verified w/in 
     6 m 
     Weighted fleet home equity loan sum of bal for open 
     Weighted fleet home equity loan sum of bal currently 90+ verified w/in the last 6 m 
     Weighted fleet home equity loan sum of amount financed for open accounts 
     Weighted fleet home equity loan number of open accounts 
     Weighted fleet home equity loan number of accounts currently 90+ verified w/in the last 6 m 
     Weighted non-INST non-finance home equity loan sum of bal for open accounts 
     Weighted non-INST non-finance home equity loan sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST non-finance home equity loan sum of amount financed for open accounts 
     Weighted non-INST non-finance home equity loan number of open accounts 
     Weighted non-INST non-finance home equity loan number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST total home equity loan sum of bal for open accounts 
     Weighted non-INST total home equity loan sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST total home equity loan sum of amount financed for open accounts 
     Weighted non-INST total home equity loan number of open accounts 
     Weighted non-INST total home equity loan number of accounts currently 90+ verified w/in 6 m 
     Weighted INST other installment sum of bal for open accounts 
     Weighted INST other installment sum of bal currently 90+ verified w/in the last 6 m 
     Weighted INST other installment sum of amount financed for open accounts 
     Weighted INST other installment number of open accounts 
     Weighted INST other installment number of accounts currently 90+ verified w/in the last 6 m 
     Weighted non-INST finance other installment sum of bal for open accounts 
     Weighted Non-INST finance other installment sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST finance other installment sum of amount financed for open accounts 
     Weighted non-INST finance other installment number of open accounts 
     Weighted non-INST finance other installment number of accounts currently 90+ verified w/in 6 month 
     Weighted Fleet other installment sum of bal for open accounts 
     Weighted fleet other installment sum of bal currently 90+ verified w/in the last 6 m 
     Weighted fleet other installment sum of amount financed for open accounts 
     Weighted fleet other installment number of open accounts 
     Weighted fleet other installment number of accounts currently 90+ verified w/in the last 6 m 
     Weighted non-INST non-finance other installment sum of bal for open accounts 
     Weighted non-INST non-finance other installment sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST non-finance other installment sum of amount financed for open accounts 
     Weighted non-INST non-finance other installment number of open accounts 
     Weighted non-INST non-finance other installment number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST total other installment sum of bal for open accounts 
     Weighted non-INST total other installment sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST total other installment sum of amount financed for open accounts 
     Weighted non-INST total other installment number of open accounts 
     Weighted non-INST total other installment number of accounts currently 90+ verified w/in 6 month 
     Weighted INST other loc sum of bal for open accounts 
     Weighted INST other loc sum of bal currently 90+ verified w/in the last 6 m 
     Weighted INST other loc sum of credit limit for open accounts 
     Weighted INST other loc number of open accounts 
     Weighted INST other loc number of accounts currently 90+ verified w/in the last 6 m 
     Weighted INST other loc number of open accounts with a zero bal 
     Weighted non-INST finance other loc sum of bal for open accounts 
     Weighted non-INST finance other loc sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST finance other loc sum of credit limit for open accounts 
     Weighted non-INST finance other loc number of open accounts 
     Weighted non-Inst finance other loc number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST finance other loc number of open accounts with a zero bal 
     Weighted fleet other loc sum of bal for open accounts 
     Weighted fleet other loc sum of bal currently 90+ verified w/in the last 6 m 
     Weighted fleet other loc sum of credit limit for open accounts 
     Weighted fleet other loc number of open accounts 
     Weighted fleet other loc number of accounts currently 90+ verified w/in the last 6 m 
     Weighted fleet other loc number of open accounts with a zero bal 
     Weighted non-INST non-finance other loc sum of bal for open accounts 
     Weighted non-INST non-finance other loc sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST non-finance other loc sum of credit limit for open accounts 
     Weighted non-INST non-finance other loc number of open accounts 
     Weighted non-INST non-finance other loc number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST non-finance other loc number of open accounts with a zero bal 
     Weighted non-INST total other loc sum of bal for open accounts 
     Weighted non-INST total other loc sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST total other loc sum of credit limit for open accounts 
     Weighted non-INST total other loc number of open accounts 
     Weighted non-INST total other loc number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST total other loc number of open accounts with a zero bal 
     Weighted INST first lien sum of bal for open accounts 
     Weighted INST first lien sum of bal currently 90+ verified w/in the last 6 m 
     Weighted INST first lien sum of amount financed for open accounts 
     Weighted INST first lien number of open accounts 
     Weighted INST first lien number of accounts currently 90+ verified w/in the last 6 m 
     Weighted non-INST finance first lien sum of bal for open accounts 
     Weighted non-INST finance first lien sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST finance first lien sum of amount financed for open accounts 
     Weighted non-INST finance first lien number of open accounts 
     Weighted non-INST finance first lien number of accounts currently 90+ verified w/in 6 m 
     Weighted fleet first lien sum of bal for open accounts 
     Weighted fleet first lien sum of bal currently 90+ verified w/in the last 6 m 
     Weighted fleet first lien sum of amount financed for open accounts 
     Weighted fleet first lien number of open accounts 
     Weighted fleet first lien number of accounts currently 90+ verified w/in the last 6 m 
     Weighted non-INST non-finance first lien sum of bal for open accounts 
     Weighted non-INST non-finance first lien sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST non-finance first lien sum of amount financed for open accounts 
     Weighted non-INST non-finance first lien number of open accounts 
     Weighted non-INST non-finance first lien number of accounts currently 90+ verified w/in 6 m 
     Weighted non-INST total first lien sum of bal for open accounts 
     Weighted non-INST total first lien sum of bal currently 90+ verified w/in 6 m 
     Weighted non-INST total first lien sum of amount financed for open accounts 
     Weighted non-INST total first lien number of open accounts 
     Weighted non-INST total first lien number of accounts currently 90+ verified w/in 6 m 
     Weighted INST dfs auto number of open accounts 
     Weighted INST dfs auto sum of bal for open accounts 
     Weighted INST secured credit card number of open accounts 
     Weighted INST secured credit car sum of bal for open accounts 
     Weighted INST heloc number of increase accounts in last 3 month 
     Weighted INST heloc sum of balances for increase accounts in last 3 months 
     Weighted INST heloc sum of line of amount for increase accounts in last 3 months 
     Weighted INST heloc sum of incremental line amount for increase accounts in last 3 months 
     INST credit customer flag 
     Non-INST credit customer flag 
     Duplicate record flag 
     Census tract calculated flag 
     Market 
     Market segment 
     Estimated FICO 
     Footprint 
     Specific embodiments of an invention are disclosed herein. One of ordinary skill in the computing and financial arts will quickly recognize that the invention has other applications in other environments. Many embodiments are possible. The following claims are in no way intended to limit the scope of the invention to the specific embodiments described above.