Updated March 19, 2021
At the end of every data transmission period specified in the MSA or SOW you have executed with Trust Science, the following data (or Metro2 file if already being created) should be sent on every Active account and every account Closed less than or equal to three months prior file creation. Only the applicable segments would be reported for each account.
Header Segment:
Trust Science ID
Application Request ID
Activity Date – Date of most recent update to the account
Created Date – Date the file was created
Program Date – Date lending program was created
Institution Name
Institution Address
Institution Telephone Number
Software Vendor Name
Software Version Number
Account Segment:
Base Segment
Correction Indicator
Identification Number – Institution Code, Transit Number
Account Number
Portfolio Type
Account Type
Date Opened
Credit Limit
High Credit/Original Loan Amount
Terms Duration
Terms Frequency
Scheduled Payment Amount
Actual Payment Amount
Current Status
Payment Rating
24 Month Payment History
Special Comments – Used to provide more information on Status or Payment Rating
Condition Code – Provides more clarity about account status
Current Balance
Current Amount Past Due
Original Charge-Off Amount
Account Status Date
Date of First Delinquency
Date Closed
Date of Last Payment
Record Transaction Type
Last Name
First Name
Middle Name
Generation Code
Social Security Number
Date of Birth
Telephone Number
Association Code
Information Indicators – Special conditions on the account
Street Address – House Number, Street Name, Unit/Apt Number
City
State
Postal Code
Address Indicator
Residence Code – Owns/Rents
Employer Segment(s)
Employer Name
Employer Street Address
Employer City
Employer State
Employer Postal Code
Job Title
Associated Consumer Segment(s)
Transaction Type
Last Name
First Name
Middle Name
Generation Code
Social Security Number
Date of Birth
Telephone Number
Association Code
Information Indicators
Street Address
City
State
Postal Code
Address Indicator
Residence Code
Purchased/Sold Portfolio Segment
Portfolio Indicator
Purchased/Sold to Name
Purchased Portfolio Account Number
Mortgage Segment
Agency Identifier
Account Number
Mortgage Maturity Date
Specialized Payment Segment
Specialized Payment Indicator
Deferred Payment Start Date
Payment Due Date
Payment Amount
Specialized Payment Segment
Specialized Payment Indicator
Deferred Payment Start Date
Payment Due Date
Payment Amount
Account Number/ID Number Change Segment
Change Indicator
New Account Number
New Identifier Number
Additional Contact Segment(s)
Additional Telephone Number
Additional Telephone Type
Email Address
Driver’s License Number
Driver’s License Expiration Date
Driver’s License State
Passport Number
Passport Country Code
Passport Expiration Date
The file should be submitted within 10 days of the end of the data transmission period specified in the MSA or SOW you have executed with Trust Science via a SFTP channel. Technical requirements will be provided for detailed instructions on creating the file.
Trust Science® is a member of the American Financial Services Association (AFSA), the Canadian Lenders Association (CLA), the National Automotive Finance Association (NAF), The Online Lenders Alliance (OLA) and the Texas Consumer Finance Association (TCFA).
Trust Science® is committed to Fair Credit Reporting Act (FCRA) compliance and helping you protect and understand your consumer profile. For more information, please see our Consumer Disclosure Page.
Trust Science®, Credit Bureau 2.0® and Troo® are trademarks that are legally registered to www.TrustScience.com Inc. by the U.S. Patent & Trademark Office.
Credit Bureau+™, Six°Score™, Smart Consent™, Hidden Prime™, Invisible Prime™, Credit Bureau 3.0™, Credit Bureau 4.0™, Personal Credit Bureau™, Personal Data Vault™, Auto Six°Score™, Auto Bureau™, Auto Credit Bureau™, Rating Agency 2.0™, Cashflow Bureau™, One Touch Lending™, Lead to Loan™, Lender in the Cloud™, Fl°wbuilder™, Fl°wbuilder™, FCRA-Compliant Insights From Lead to Loan™, Go Beyond the Bureau™, Fixing the Credit Catch-22™, Find Invisible Primes™, and Helping Lenders Find Great Borrowers™ are trademarks of www.TrustScience.com Inc.
