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 |