Equifax Credit Report Request for Make Sale/Sales Request Wizard

This window is displayed as part of the Make Sale/Sales Request wizard when the customer's credit class has not yet been established (or when there were problems with a previous credit check). This window also lets you request a credit check based on specified personal and address information, view the report summary and details, and fix address discrepancies if necessary. If you are not satisfied with the result of a credit check you may submit a new request by changing one or more personal or address items.

Submitting a Request

To submit a request:

Enter the appropriate information in the Personal and Address sections according to credit bureau requirements and your company policy.
Note:
Certain fields will be pre-populated with the information you entered through the Customer Information window earlier in the wizard.
For details see Credit Report Request Field Definitions.
Click Submit and wait for a response.
Note:
If your request results in multiple matches, a preliminary results window is displayed with a list of matches. In this case you'll need to select which match to use. See .
Multiple Matches
In the event the credit report request results in multiple responses/hits, the responses are displayed in the Preliminary Results window.
Note:
Equifax attempts to determine which response best matches the specified report criteria. If Equifax determines that one response is a better match than the other responses, a green check mark is displayed in the Best Match column for that response.
From the Preliminary Results window, you can:
- Submit a credit report request for one of the displayed responses, by right-clicking on the desired response and selecting Submit Request. The system submits a credit report request to the Equifax system and waits for a response. Upon receipt of a response, the system displays the resulting credit report in the Equifax Credit Report window (described above).
- View the detailed information received for one of the displayed responses, by right-clicking on the desired response and selecting View Details. All information that was returned in Equifax's response is displayed in the Credit Report # Details window (described above). The title bar includes the Credit Report ID assigned to this credit report. Use the scroll bar on the right side of the window to view the full report. Refer to your Equifax documentation for information regarding the contents of this detailed credit report.
  Note:
  View Detail must be enabled in your Permission Profile (under Security > Profiles > Permission Profiles > Application > CostGuard Client > Credit Scoring). If not, the View Details option is not provided in the submenu that is displayed when you right-click a response.
When the credit check is completed, the result is indicated in the Credit Check Results area in the lower left part of the window.
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A message is displayed if any one of the following occurs:

The order cannot be completed (credit denied or some other reason).
The order is referred (as a result of the fraud or SafeScan check).
An address discrepancy is found.
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Order Cannot Continue
Address Discrepancy
Order Referred

How to Proceed

If credit is approved and you want to continue with the order, simply click Finish.

If you want to view credit report details, or if you encounter one of the messages described above, refer to the applicable guidelines below.

Viewing Credit Report Details

After a request has been submitted and the credit check is completed the Credit Response button is activated.

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Credit Response Buttom

You can use this button to:

View the Credit Report Summary (More)
Credit Report Summary
View the Full Credit Report Details
Full Credit Report Details
For help on interpreting certain codes in the credit report, see:
fraud check codes
Any of the Fraud statuses below will result in the order being set to Referred.
Code Description
N Active Duty Alert
Q Active Duty Alert with Fraud Victim "Initial Alert"
R Active Duty Alert with Fraud Victim T
T California Resident Fraud Victim
V Fraud Victim "Initial Alert"
W Active Duty Alert with Fraud Victim "Extended Alert"
X Fraud Victim "Extended Alert"
SafeScan codes
Any code other than the codes listed below will result in the order being set to Referred.
Code Description
M Social security number issued by the Social Security Administration within the last five years.
S SafeScan passed.
D Inquiry address unverifiable
L Fraud victim alert present in database
N Active duty alert present in database
Q Inquiry SSN reported as deceased and last name does not match
R Inquiry address is not associated with this consumer name
W Inquiry address is listed as a non-residential address
X Inquiry address associated with reported fraud
1 Inquiry address is listed as a multi-dwelling unit
5 Inquiry telephone number may belong to a mobile phone
7 Unable to perform SSN validation due to insufficient SSN input
8 Unable to perform telephone validation due to i1,nsufficient telephone input
9 Inquiry SSN is invalid
address discrepancy check
Code Description
Y A substantial discrepancy exists between the address entered in the request for credit check and any of the addresses on record for the customer (current and previous addresses on record at the credit bureau, or addresses recorded in CostGuard).
N No substantial discrepancy exists.
Blank Address elements were unavailable or not used.

A Match is Found But Credit is Denied

If credit is denied, this is indicated in the Credit Report Result area and a message box is displayed indicating the order cannot proceed. In this case:

Click OK to acknowledge the message.
Click Cancel to cancel the order
OR
Re-submit the credit report request with new information.

No Response from the Credit Bureau

There are two basic scenarios when there is no response from the credit bureau, depending on the BTA (Bill-to-Account) status:

If there is no response from the credit bureau and BTA is NOT allowed for this customer, the credit class is set to denied and the corresponding message is displayed.
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Order Cannot Continue
Address Discrepancy
Order Referred
In this case:
1. Click OK to acknowledge and dismiss the message.
2. Click Cancel to cancel the order
  OR
  Enter new customer and address information and re-submit the request.
If there is no response from the credit bureau and BTA is allowed for this customer, the credit class is set to the level determined by the decision matrix.
In this case you can either click Finish to accept the result and continue with the order or enter new customer and address information and re-submit the request.

Order is Referred

The order may be referred for several reasons, for example the or does not provide a favorable result.

SafeScan

Any code other than the codes listed below will result in the order being set to Referred.

Code Description

M Social security number issued by the Social Security Administration within the last five years.

S SafeScan passed.

D Inquiry address unverifiable

L Fraud victim alert present in database

N Active duty alert present in database

Q Inquiry SSN reported as deceased and last name does not match

R Inquiry address is not associated with this consumer name

W Inquiry address is listed as a non-residential address

X Inquiry address associated with reported fraud

1 Inquiry address is listed as a multi-dwelling unit

5 Inquiry telephone number may belong to a mobile phone

7 Unable to perform SSN validation due to insufficient SSN input

8 Unable to perform telephone validation due to i1,nsufficient telephone input

9 Inquiry SSN is invalid

fraud check

Any of the Fraud statuses below will result in the order being set to Referred.

Code Description

N Active Duty Alert

Q Active Duty Alert with Fraud Victim "Initial Alert"

R Active Duty Alert with Fraud Victim T

T California Resident Fraud Victim

V Fraud Victim "Initial Alert"

W Active Duty Alert with Fraud Victim "Extended Alert"

X Fraud Victim "Extended Alert"

In this case, you can continue with the order; however, it will not be submitted for fulfillment until the problem is resolved. To continue:

Click OK to acknowledge and dismiss the message.
Click Finish to continue with the order.
As an option you may re-submit the request with new personal and/or address information.

Address Discrepancy

When an address discrepancy has been found, the discrepancy must be corrected before you can complete the order. To do this:

Click OK to acknowledge and dismiss the message.
Click the Credit Response button and then select Address Discrepancy from the menu.
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This displays a list of addresses entered for the customer in the IDI platform as well as any previous and current addresses returned from the credit bureau.
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Click Yes to fix the address discrepancy. This displays a dialog for entering the correct address.
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Note:
Clicking No will stop the order.
Select whether the address is current or previous from the Address Type drop-down menu.
Enter the correct address.
Click Save.
If there are no other problems with the credit check, the credit class is set and you may proceed with the order.

Equifax Credit Report Request for Make Sale/Sales Request Wizard

Submitting a Request

Order Cannot Continue

Address Discrepancy

Order Referred

How to Proceed

Order Cannot Continue

Address Discrepancy

Order Referred