DATATrue™ has two types of credit reports available; a standard report with a FICA score as well as a standard report without a FICA score for use as a back end collection tool with applications in many venues such as but not limited to the subprime industry (RTO, PDL, Title or Signature Loans). The score-less report is a valuable back-end collection tool in that it provides valuable Trade-line, Credit Header, Fraud Alert and Consumer Statement sections with full data such as accompanying business names, addresses, phone numbers and transactions amounts. This is an instant report.