Update: Information from this blog post has been updated to the latest iteration of Schedule C, formally approved by the Steering Committee, and to be adopted this year.

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As new data become available in the catalogue, it is important for users to understand what they can and cannot do with it.  Unfortunately, it can be difficult to understand the Legalese associated with data sharing and end use—Legalese to which you've already agreed by registering as users. 

Contents

1. Introduction

2. Three quick notes before we start

3. TransUnion Credit Report Characteristics basics

4. Digging into the data: variables, values, and units

5. What the table actually looks like: a sample row

6. What to do now

Introduction

What is the product profile?

Several people have been asking me about Beyond 20/20 training in recent weeks.  Fortunately, Beyond 20/20 provides a number of online training videos to help new users understand how it works.  This post explains Beyond 20/20, and provides links to the training videos for Beyond 20/20 Professional Browser.  It's intended for members of the Community Data Program who aren't familiar with the .ivt format.  So let's dive in.