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In addition to the LUXCOMMON credit report format available with the Credit ++ Toolkit, institutions can display credit reports in a detailed and interactive HTML format using Luxor's CreditSharp tool.

The HTML credit report formats provide financial institutions with a detailed and organized credit report experience that includes color-coded indicators for both credit score and major/minor derogatory indicators on tradelines, as well as the ability to expand and collapse the information that appears on the screen when viewing a report.

This topic provides an overview of the HTML formats that are available to display when credit is pulled in the Lifecycle Management Suite.

HTML Formats and Tradeline Styles

CreditSharp provides two HTML formats to organize how data appears in the credit report. HTML credit reports are able to be populated in one of the following formats:

• Common01
• Lending01

With the Common01 format, data is organized into a separate credit report for each applicant. The Lending01 format has the same overall appearance, but groups all primary and secondary data into one report.

For example, when a joint credit report is pulled using the Common01 format, tradeline information for each applicant is populated separately within two different sections; the accounts for primary are listed within one section, while the accounts for the joint are listed within the other section. In the Lending01 format, the report displays one tradeline section that includes accounts for both the primary and joint applicant.

In addition to determining how a credit report is formatted, institutions are able to select a tradeline style for each format. This style determines the information that displays on each trade's summary line in the report. The following tradeline styles are available for each HTML format:

• HTML Common01 – Tradeline01
• HTML Common01 – Tradeline02
• HTML Common01 – Tradeline03
• HTML Common01 – Tradeline04
• HTML Common01 – Tradeline05
• HTML Lending01 – Tradeline01
• HTML Lending01 – Tradeline02
• HTML Lending01 – Tradeline03
• HTML Lending01 – Tradeline04
• HTML Lending01 – Tradeline05

Below is an example of a credit report displayed in the HTML Common01 – Tradeline01:

Viewing an HTML Credit Report

HTML credit report layouts enable institutions to determine both the format of the credit report, as well as the data that appears in each summary line of the Tradeline Information section. Using an HTML format, institutions are also provided with the following features:

• Expandable and collapsible sections to enable the ability to only show the desired information on the screen when the report is being viewed.
• Color-coded status indicators in the Tradeline Information section to quickly identify the Manner of Payment (Mop) status for the account.
• Color-coded credit score indicator in the Score Information section to easily identify where an applicant's score ranks in the credit score range.

Expand and Collapse Behavior

The HTML formats provide an organized and collaborative view of an applicant's credit history. Each format and tradeline style presents a different view of the information in expandable and collapsible sections.

Each section of the credit report includes Hide and Show links that can be used to expand and collapse the individual sections of a credit report.

Within the Tradeline Information section, the expand/collapse behavior provides the ability to individually display details for each trade by clicking the creditor's name. For example, clicking the link for CHASE CARD expands the tradeline details as shown below:

Tradeline Information

Tradeline Details

While the organization and style of a credit report differs by HTML format, similar data populates within the Tradeline Information section for each tradeline style. When credit is pulled in the Lifecycle Management Suite, the tradeline information displays in a collapsed view as shown in the below example of the HTML Common01 – Tradeline01 format:

The Tradeline Information section includes the following columns of data in the collapsed view:

Column	Description
Sts	Displays a colored indicator to identify the status of the trade. The icon that appears for a trade is determined by the Manner of Payment (Mop) associated with the account. Reference the table below for an overview of each icon that may appear within this column: Indicator Description Identifies an account as current, too new to rate, or unrated/unopened. This icon populates when an account is assigned one of the following Mop codes: 1 - Current 0 - Too new to rate U - Unrated/Unreported Identifies the account has a payment that is 30, 60, 90, or 120 days late. This icon populates when an account is assigned one of the following Mop codes: 2 - 30 days late 3 - 60 days late 4 - 90 days late 5 - 120 days late Identifies that the account has a payment that is 150 or greater days late, or the account is in Bankruptcy, Repossession, or Charge Off/Collection. This icon populates when an account is assigned one of the following Mop codes: 6 - 150 days late (or more) 7 - Bankruptcy 8 - Repossession 9 - Charge Off/Collection
Creditor Name	Displays the name of the creditor who provided the information to the bureau.
Open	Displays the month and year that the tradeline was opened. This column name appears as Date Open within credit reports that use the Tradeline02 or Tradeline03 style. In an instance where the exact month and year are unknown by the bureau, the format 5/YR or 10/YR may be used to indicate a time period exceeding five or ten years.
Type	Displays a three character representation of the type of credit reported in the tradeline, such as INS for installment, or REV for revolving.
Balance	Displays the outstanding balance on the account. This column only populates in credit reports that use the Tradeline04 or Tradeline05 style. For information on how this field appears in a report, please see the examples for HTML Common01 – Tradeline04 and HTML Common01 – Tradeline05 in the Tradeline Styles section of this topic.
Mop	Displays a three character representation of the Manner of Payment associated with the account, such as CUR to identify an account as current, or 030 to identify an account that has a payment marked 30 days late.
Max	Displays a three character representation of the maximum delinquency reported for the tradeline, such as 030 for a tradeline with a maximum delinquency of 30 days.
Date	Displays the month and year of the maximum delinquency reported for the tradeline. The column name appears as Max Date in credit reports that use the Tradeline02 or Tradeline03 style.
30/60/90	Displays three columns that each include a numerical counter of the number of times the borrower has been 30, 60 or 90 days delinquent making a payment on the account.
Account Number	Displays the account number associated with the tradeline. This column only populates in credit reports that use the Tradeline03 or Tradeline04 style. For information on how this field appears in a report, please see the examples for HTML Common01 – Tradeline03 and HTML Common01 – Tradeline04 in the Tradeline Styles section of this topic.
Industry/Product	Displays the operating industry associated with the product/service extended by the creditor.
Paid	Displays the month and year of the most recent payment made on the tradeline.

To access additional information for a trade, click the creditor's name to expand the details as shown below:

 

Tradeline Styles

As previously mentioned, there are two HTML formats, Common01 and Lending01, and five tradeline styles available for each format. The following section provides an overview and example of each tradeline style.

Common01 - Tradeline01

Common01 - Tradeline02

Common01 - Tradeline03

Common01 - Tradeline04

Common01 - Tradeline05

Score Information

When a credit report is displayed in a HTML format, a color-coded indicator appears under the Rank column in the Score Information section. This indicator provides the ability to easily identify the percentile in which an applicant's credit score ranks at the credit bureau.

The Credit Score indicator is a color-coded bar that illustrates a percentile range from 0 to 100, with red identifying the lowest percentile rank (0), and green identifying the highest percentile rank (100). The applicant's rank is placed on the color bar according to where his or her credit score percentage falls in the range. For example, in the credit report below, the applicant's rank of 18% and 22% appear in orange, since both values fall in a lower percentile range.

 

 

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