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<urating> UBCH credit score

<urating> (1)

inn

Subject’s TIN

[N,10] 10 numeric characters

lname

Subject’s last name

[TEXT,40] variable length text format, up to 40 characters

fname

Subject’s name

[TEXT,40] variable length text format, up to 40 characters

mname

Subject’s middle name

[TEXT,40] variable length text format, up to 40 characters

bdate

Date of birth

[YYYY-MM-DD], YYYY – year (1920–2099), MM – month (01–12), DD – day (01–31)

score

Credit score (0-700, NA)

[TEXT,3] variable length text format, up to 3 characters

scorelast

Previous credit score Credit score (0-700, NA)

[TEXT,3] variable length text format, up to 3 characters

scoredate

Score calculation date

[YYYY-MM-DD], YYYY – year (1920–2099), MM – month (01–12), DD – day (01–31)

scorelevel

Credit score level (0-5) -

0 - default (the presence in the credit history of current overdue debt of 90+ days),

1 - very low,

2 - low,

3 - medium,

4 - high,

5 - very high.

[TEXT,2] variable length text format, up to 2 characters

score3

Credit rating of the previous version. Used at the time of issuing a new rating model until partners switch to using the new one (0-700, NA)

[TEXT,3] variable length text format, up to 3 characters

<dinfo> (1)

all

Number, total credit transactions

[N,10] 10 numeric characters

open

Number, open credit transactions

[N,10] 10 numeric characters

opentext

Text, banks with open credit transactions

[TEXT,250] variable length text format, up to 250 characters

close

Number, closed credit transactions

[N,10] 10 numeric characters

expyear

Text, arrears present in the last year

[TEXT,250] variable length text format, up to 250 characters

maxnowexp

Maximum current arrears

[TEXT,250] variable length text format, up to 250 characters

datelastupdate

Credit transactions data update date

[YYYY-MM-DD], YYYY – year (1920–2099), MM – month (01–12), DD – day (01–31)

expall

The number of credit agreements with payment delays

[N,10] 10 numeric characters

expnow

The number of credit agreements with current overdue

[N,10] 10 numeric characters

reqs12m

The number of requests for credit over the past 12 months

[N,10] 10 numeric characters

smexpnow

The amount of current overdue debt

[TEXT,250] variable length text format, up to 250 characters

smalldebt

The amount of total current debt

[TEXT,250] variable length text format, up to 250 characters

vpall

Number of executive proceedings

[N,10] 10 numeric characters

vpopen

The number of open executive proceedings

[N,10] 10 numeric characters

<comments> (1)

count

Number, qty of comments within this tag

[N,10] 10 numeric characters

<comment> (1..*)

id

Number, comment entry ID

[N,10] 10 numeric characters

text

Text, textual description of score

[TEXT,280] variable length text format, up to 250 characters

<pfactors> (1)

count

Number, qty of positive facts within this tag

[N,10] 10 numeric characters

<comment> (1..*)

text

Textual description of n factor

[TEXT,280] variable length text format, up to 250 characters

<nfactors> (1)

count

Number, qty of negative facts within this tag

[N,10] 10 numeric characters

<comment> (1..*)

text

Textual description of factor n

[TEXT,280] variable length text format, up to 250 characters

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