Credit Report data sanitization

Automatic data sanitization

Before a Credit Report payload is sent to the credit bureau, some fields are automatically sanitized to meet the bureau's formatting rules: disallowed characters are removed, values are upper-cased or reformatted where required, and anything longer than a field's maximum length is truncated.

Your original, unaltered values are always stored on the applicant record; only the copy forwarded to the bureau is sanitized. To avoid surprises, submit data that already conforms to the rules below.

Field sanitization rules

Field	Bureau	Allowed characters	Max length	If invalid
applicant_main.first_name, applicant_co.first_name	Equifax	All characters	15	Accepted as entered
	Experian	letters, hyphen	32	other characters removed
	TransUnion	All characters	20	Accepted as entered
applicant_main.last_name, applicant_co.last_name	Equifax	All characters	25	Accepted as entered
	Experian	letters, hyphen, apostrophe	32	an apostrophe is kept only after D, L or O (e.g. O'Brien); other characters removed
	TransUnion	All characters	32	Accepted as entered
applicant_main.middle_name, applicant_co.middle_name	Equifax	All characters	15	Accepted as entered
	TransUnion	All characters	20	Accepted as entered
applicant_main.address, applicant_co.address	Experian	letters, numbers, space, #, period, forward slash	59	Commas removed