Import CUDE

Importing Experian CU/Credit Decision Expert

Importing Experian Credit Union Decision Expert data will require you to format the imported data fields in a specific manner. Each data field can contain many data elements. Each data element within a data field is separated by a slash “/.”

Product Codes (XPRProd)
The Customer and Experian set up these codes. Contact your Experian representative for more information.

Client and Product Information (XPRInfo)

Field name
Required
Data Type
Max Length
Description
INFO example: S/60///S/120//
Loan Use
N
A/N
1
B = Business
P = Personal
Loan Amount
N
N
7
The whole dollar amount of the loan
Term Of Loan
N
N
3
Term of the loan in months
Interest Rate Requested
N
N
4
Requested interest rate. Two decimal places are implied (nn.nn).
Association Code
N
A/N
1
ECOA code
Age Of Auto
N
N
2
Age in years
Vehicle Cash Price
N
N
7
Vehicle cash price whole dollar amount
Down Payment Amount
N
N
7
Down payment whole dollar amount
Net Trade-In Value
N
N
7
Net trade-in whole dollar amount
Vehicle Status
N
A/N
1
N = New
U = Used
New Monthly
Payment Amount
N
N
7
New monthly payment whole dollar
amount
Old Monthly Payment
Amount
N
N
7
Old monthly payment whole dollar
amount

Job Information (XPRJob, XPRJob1, XPRJob2)
Some data fields allow for information to be entered in a variety of formats. For example, for the JOB1 and JOB2 employment fields, you can enter one of the following for length of employment: Time on Current Job in Months, Current Job Start Date, or Current Job For-Period. In the example below, Time on Current Job in Months was used. The additional slashes “/” are used to hold data element positions within the data field.

Field name
Required
Data Type
Max Length
Description
JOB, JOB1, JOB2 example: S/60///S/120//
Current Job Type
N
A/N
1
E = Student
H = Homemaker
L = Salaried
R = Retired
S = Self-employed
U = Unemployed
Current Job Duration
N
Current job information
Duration In Months
N
N
3
Total months at the job
Duration Since CCYY
N
N
4
Format = CCYY
Duration Since CCYYMM
N
N
6
Format = CCYYMM
Duration Since CCYYMMDD
N
N
8
Format = CCYYMMDD
Duration For Period YY
N
N
2
Format = YY
Duration For Period YYMM
N
N
4
Format = YYMM
Previous Job Type
N
A/N
1
E = Student
H = Homemaker
L = Salaried
R = Retired
S = Self-employed
U = Unemployed
Previous Job Duration
N
Previous job information
Duration In Months
N
N
3
Total months at the job
Duration Since CCYY
N
N
4
Format = CCYY
Duration Since CCYYMM
N
N
6
Format = CCYYMM
Duration Since CCYYMMDD
N
N
8
Format = CCYYMMDD
Duration For Period YY
N
N
2
Format = YY
Duration For Period YYMM
N
N
4
Format = YYMM

Income Information (XPRInc, XPRInc1, XPRInc2)
Gross Income can be entered using either a Total Gross Income or a combination of Gross Salary and Other Gross Income. Income information can be entered for the Primary applicant (INC1) and the Secondary applicant (INC2), or both can be combined in the Global section (INC) on Joint Inquiries.

Field name
Required
Data Type
Max Length
Description
INC, INC1, INC2 example: M/3000/M/2500/M/500
If used, Total Gross Income must equal Salary + Other Gross Income
Total Gross Income Freq
N
A/N
1
Total gross income frequency:
H = Hourly
W = Weekly
B = Biweekly (every 2 weeks)
M = Monthly
T = Semi-Monthly
Q = Quarterly
S = Semi-Annually
Y = Yearly
TotGross Income Amt
N
N
7
Total gross income whole dollar
amount
Salary Freq
N
A/N
1
Total gross income frequency:
H = Hourly
W = Weekly
B = Biweekly (every 2 weeks)
M = Monthly
T = Semi-Monthly
Q = Quarterly
S = Semi-Annually
Y = Yearly
Salary Amt
N
N
7
Total salary whole dollar amount
Other Gross Income Freq
N
A/N
1
Total gross income frequency:
H = Hourly
W = Weekly
B = Biweekly (every 2 weeks)
M = Monthly
T = Semi-Monthly
Q = Quarterly
S = Semi-Annually
Y = Yearly
Other Gross Income Amt
N
N
7
Other gross income whole dollar
amount

Residence Information (XPRRes, XPRRes1, XPRRes2)
Residence information can be entered for the Primary applicant (RES1) and the Secondary applicant (RES2), or both can be combined in the Global section (RES) on Joint Inquiries. The additional slashes “/” are used to hold data element positions within the data field.

Field name
Required
Data Type
Max Length
Description
RES, RES1, RES2 example: 01/24///04/12//
Housing Type
N
N
2
Current housing type:
01 = mortgaged house/condominium
02 = owned house/condo/apartment
03 = mortgages/owns mobile home
04 = rents house/condo/apartment
05 = rents mobile home
06 = lives with parents/relatives
07 = boards
08 = other
Duration Of Stay
N
Provide only one of the following six
duration items.
Duration In Months
N
N
3
Total months at residence
Duration Since CCYY
N
N
4
Format = CCYY
Duration Since CCYYMM
N
N
6
Format = CCYYMM
Duration Since CCYYMMDD
N
N
8
Format = CCYYMMDD
Duration For Period YY
N
N
2
Format = YY
Duration For Period YYMM
N
N
4
Format = YYMM
Prev Residence Type
N
N
2
Previous housing type:
01 = mortgaged house/condominium
02 = owned house/condo/apartment
03 = mortgages/owns mobile home
04 = rents house/condo/apartment
05 = rents mobile home
06 = lives with parents/relatives
07 = boards
08 = other
PrevResidence
DurationOfStay
N
Provide only one of the following six
duration items.
DurationInMonths
N
N
3
Total months at residence
DurationSinceCCYY
N
N
4
Format = CCYY
DurationSinceCCYYMM
N
N
6
Format = CCYYMM
DurationSinceCCYYMMDD
N
N
8
Format = CCYYMMDD
DurationForPeriodYY
N
N
2
Format = YY
DurationForPeriodYYMM
N
N
4
Format = YYMM

Expense Information (XPRExp, XPRExp1, XPRExp2)
Expense information can be entered for the Primary applicant (EXP1) and the Secondary applicant (EXP2), or both can be combined in the Global section (EXP) on Joint Inquiries. Expenses can further be separated into Residence Expenses and Other Expenses.

Field name
Required
Data Type
Max Length
Description
EXP, EXP1, EXP2 Example: M/2000/1/M/1200/M/800
If used, Total Expense must equal Residence + Other
Total Expenses Freq
N
A/N
1
Expense frequency:
H = Hourly
W= Weekly
B = Biweekly (every 2 weeks)
M= Monthly
T = Semi-Monthly
Q = Quarterly
S = Semi-Annually
Y = Yearly
Total Expenses Amt N N 7 Total expenses whole dollar amount
Residence Expense Type N N 1 Residence expense type:
1 = Mortgage
2 = Rent
Residence Expense Freq N A/N 1 Expense frequency:
H = Hourly
W= Weekly
B = Biweekly (every 2 weeks)
M= Monthly
T = Semi-Monthly
Q = Quarterly
S = Semi-Annually
Y = Yearly
Residence Expense Amount N N 7 Residence expenses the whole dollar
amount
Other Expense Freq Other expense frequencies:
H = Hourly
W= Weekly
B = Biweekly (every 2 weeks)
M= Monthly
T = Semi-Monthly
Q = Quarterly
S = Semi-Annually
Y = Yearly
Other Expense Amount N N 7 All other expenses whole dollar amount

Banking Relationship (XPRBre, XPRBre1, XPRBre2)
Banking relationship information can be entered for the Primary applicant (BRE1) and the Secondary applicant (BRE2), or both can be combined in the Global section (BRE) on Joint Inquiries. Values range from 0 to 4.

Field name
Required
Data Type
Max Length
Description
BRE, BRE1, BRE2
Banking Relationship
N
N
1
0 – No Relationship
1 – Checking Account
2 – Savings Account
3 – Checking and Savings
4 – Accounts of unknown type

Dependents (XPRDep, XPRDep1, XPRDep2)
Dependent information can be entered for the Primary applicant (DEP1) and the Secondary applicant (DEP2), or both can be combined in the Global section (DEP) on Joint Inquiries.

Field name
Required
Data Type
Max Length
Description
DEP, DEP1, DEP2
Dependents
N
N
2
Total number of dependents excluding applicants

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