Open Solutions Inc.®
Experian Credit Score Import
Experian Import
(Application 3d4fd68e-c8b6-461c-8a5f-b6db9c46a0db)
Overview:
The Experian Import application reads in an Experian file containing credit scores and
applies the scores to the Person Credit Score history in DNA™. The application is
designed to read an export file, created by the Experian Export DNA application, which
has been sent to Experian, processed, and returned to the financial institution.
Key Benefits:
This application allows financial institutions to easily keep person credit score histories
up-to-date when used in conjunction with the Experian Export DNA application.
Processing:
The application reads in a file from Experian and maintains each person’s credit score
history in DNA™. As each record is read the application looks for an existing credit
score for the person, score date, and “Servicer Organization”. If a record is found and
the existing credit score is the same as the credit score in the file then the record is
skipped. Otherwise the application passes the social security number, the credit score,
the score date, and the “Servicer Organization” into the Core API which handles the
maintenance. All activity is recorded.
If the “Print Detail YN” parameter is set to “Y” then all records that are processed are
printed to the report. If set to “N” the report will only display records with error
conditions.
Credit score histories can be found in DNA under Relationships, Maintenance,
Person/Member, Additional, Credit Score
Parameters:
Parameter
Code
Description (how used)
Required
Default
Servicer Organization
SORG Used to identify the Experian Organization in DNA
Yes None
RptOnly_YN RPT Used to indicate whether application should
insert/update records, or only report on what will happen.
No Y
External File Name
EXFN The name of the file to be imported.
Yes None
External File Path
EXFP The path to the file to be imported.
Yes None
Print Detail YN PDYN If set to Y (Yes) then all detail rows are printed to the report. If set to N (No) then only records that failed are displayed.
No N
Variables:
None
Scheduling:
The application is run after a credit score file created by the Experian Export DNA
application has been returned from Experian.
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Reports:
The report shows summary counts of the actions taken by the application, and shows
the details for all records, or only records that are not able to be created or updated.
This choice is made by using the “Print Detail YN” parameter. Since credit score files
can contain tens of thousands of records a financial institution may choose to only have
errors shown on the report.
Field Listing:
Field
Description
Name Full name (First Name, Middle Initial, Last Name, and Suffix combined) from input file
Address Address (Address 1, Address 2, City, State, Zip combined) from input file SSN Social Security Number from input file
DOB Date of Birth from input file Score Credit Score from input file Score Date Credit Score Date from input file
Field
Description
Message Error messages generated by the application if a record cannot be created or updated
Summary Section Mode that the application was run in
“Application was run in report only mode” OR “Application was run in updating mode”
Servicer Organization
The name of the Servicer Organization parameter value
Inserts that will be attempted in update mode
A count of inserts that will be attempted; text displays only when in Report Only mode
Updates that will be attempted in update mode
A count of updates that will be attempted due to the existence of a record; text displays only when in Report Only mode
Records read in from file
Count of records in the input file
New records created Count of records created by the application; text displays only when in Updating mode
Failed to create Count of records that failed to be created by the application; text displays only when in Updating mode
Existing records updated
Count of records updated by the application; text displays only when in Updating mode
Existing records that failed update
Count of records that failed to be updated by the application; text displays only when in Updating mode
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Field
Description
Person records not found in the
database
Count of records that were skipped due to the person record not being found in the DNA database. This is common if an export file is created in one DNA database and the return file is being tested in another DNA database.
Records with a blank score or invalid score date
Count of records with no score or an invalid date
Skipped - record already exists (identical credit score for person, effective date, and credit organization)
Count of records skipped due to the fact that they already exist
Records processed by the application
Total Count of record processed. Should be equivalent to the Records read in from file value
Input File Layout – Fixed Width:
The input file is a fixed width file. The file does not have a header row. Data returned
from Experian is appended to the file sent, and starts with FILLER01 (Person Number
through Date of Birth are from the file that was sent). Experian appends a large number
of columns that contain data which could be used by a financial institution if desired.
The Experian Import application only uses two: FICO_V30A_QUEST_SCORE_VALUE
and TRADE_DATE (the credit score returned and the score date).
Field
Format
Size
Beginning
Position
Ending
Position
Description
Person Number 99999999 16 1 16 Person Number of
Person
First Name Text 20 17 36 First Name of Person
Middle Initial Text 1 37 37 Middle Initial of Person
Field
Format
Size
Beginning
Position
Ending
Position
Description
Suffix Text 1 68 68 Generational Suffix of
Person
Address Line 1 Text 30 69 98 Address Line 1
associated to the Person’s Address
Address Line 2 Text 30 99 128 Address Line 2
associated to the Person’s Address
City Text 30 129 158 City associated to the
Person’s Address
State Text 2 159 160 State associated to the
Person’s Address
Zip Code
99999-9999
10 161 170 Zip Code associated to the Person’s Address Social Security
Number
99999999 9
9 171 179 Social Security Number of the Person
Date of Birth MM-DD-YYYY
10 180 189 Date of Birth of the Person
FILLER01 Text 2 190 191 Overwrites control / line
feed on input file
CONTROL_NB Text 3 192 194 Control number
ENCRYPTED_PIN Text 17 195 211 Encrypted PIN
RECORD_NB 99999999
99
10 212 221 Record number
FILLER02 Text 2 222 223 Filler
VAL_CAT_CD Text 1 224 224 Validation category
VAL_CD Text 2 225 226 Validation code
FICO_V30A_QUES T_SCORE_VALUE
9999 4 227 230 FICO score (this is the Credit Score)
FICO_V30A_QUES T_SCORE_FACTO R1
Text 2 231 232
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Field
Format
Size
Beginning
Position
Ending
Position
Description
FICO_V30A_QUES T_SCORE_FACTO R2 Text 2 233 234FICO score factor 2 FICO_V30A_QUES
T_SCORE_FACTO R3
Text 2 235 236
FICO score factor 3 FICO_V30A_QUES
T_SCORE_FACTO R4
Text 2 237 238
FICO score factor 4 FICO_V30A_QUES
T_SCORE_FACTO R5
Text 2 239 240
FICO score factor 5
TRADE_DATE CCYYMM
DD
8 241 248 Trade date -
CCYYMMDD format – this is the Credit Score Date
HOMEEQUITY_HE Q01
999 3 249 251 Number of home equity
trades HOMEEQUITY_HE
Q02
999 3 252 254 Number of open &
current home equity trades HOMEEQUITY_HE Q08 99999999 9 9 255 263 Aggregate balance of open home equity trades HOMEEQUITY_HE
Q09
99999999 9
9 264 272 Aggregate credit of open home equity trades HOMEEQUITY_HE
Q14
99999999 9
9 273 281 Aggregate monthly
payment of home equity trades
SMARTV40_AMG01 999 3 282 284 Number of mortgage
Field
Format
Size
Beginning
Position
Ending
Position
Description
SMARTV40_AMG08 99999999 9 9 285 293 Aggregate balance of open mortgage trades SMARTV40_AMG14 999999999
9 294 302 Aggregate monthly
payment of mortgage trades
SMARTV40_APR46 999 3 303 305 Number of bankruptcies
filed within 12 months ADDR_MISMATCH_
IN
TEXT 1 306 306 Address mismatch
indicator CON_COMMENT_I
N
TEXT 1 307 307 Consumer comment
indicator
SEC_ALERT_IN TEXT 1 308 308 Security Alert Indicator SEC_ALERT_TYPE
_CD
TEXT 2 309 310 Security Alert Type Code
SEC_ALERT_DT_1 TEXT 10 311 320 Security Alert Date #1 SEC_ALERT_DT_2 TEXT 10 321 330 Security Alert Date #2 SEC_ALERT_PHON
E_NB_1
TEXT 15 331 345 Security Alert Phone
Number #1 SEC_ALERT_PHON
E_NB_2
TEXT 15 346 360 Security Alert Phone
Number #2 SEC_ALERT_PHON
E_NB_3
TEXT 15 361 375 Security Alert Phone
Number #3
XFC01 99 2 376 377 Number of voluntary
bankruptcy withdrawn by consumer
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Field
Format
Size
Beginning
Position
Ending
Position
Description
XFC02 TEXT 1 378 378 Chapter 7 bankruptcy
reported in the consumer’s file
XFC03 TEXT 1 379 379 Chapter 11 bankruptcy
reported in the consumer’s file
XFC04 TEXT 1 380 380 Chapter 12 bankruptcy
reported in the consumer’s file
XFC05 TEXT 1 381 381 Chapter 13 bankruptcy
reported in the consumer’s file XFC06 99 2 382 383 Number of accounts closed by consumer XFC07 99 2 384 385 Number of accounts disputed by consumer
Additional Requirements:
DNA™ release level 3.x
Core API Batch Start DNA application (this can be downloaded from the
DNAAppStore)
An Experian Import file, created using the Experian Export application, which has
been processed by Experian and returned to the financial institution
Add “CAPR 7728” and “Experian Import DNA app CAPI” to the desired persons
or Authorization Group (Services, Security, Authorizations)
Screen Shots of Authorization Manager System Administrator group used as an
example.
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Configuration Checklist:
Item
Test
Environment
Production
Environment
ParametersBatchStartDNA app installed and run
CAPR 7728 added to Auth Group or Persons
Experian Import DNA app CAPI added to Auth Group or Persons
