AVANTUS LLC SAMPLE CUSTOMER 600 Saw Mill Rd SAMPLE …

[Pages:17]600 Saw Mill Road West Haven, CT 06516 800-530-8008 Fax: 203-931-2055 Consumer Inquiry: 401-781-7770

Ordered

03/25/2014

Released

03/25/2014

Applicant

Name

Nickie Green

Current Address

100 Terrace Av West Haven, CT 06516

TransUnion

FICO Risk Score, Classic (04)

730

Experian

Fair Isaac (v2)

[ 732 ]

AVANTUS LLC SAMPLE CUSTOMER

600 Saw Mill Rd West Haven, CT 06516

Report ID

71486

Customer Code

SAMPLE

Requested By

bbhnb

Reissued

Social Security Number

123-00-3333

Equifax

Beacon 5.0

734

Co-Applicant

Name

Current Address

Repositories Requested

TransUnion, Experian, Equifax

Social Security Number

TransUnion

Experian

Equifax

Credit AssureTM

+8

We found opportunities to raise your credit score by 8 points with the default settings.

Credit AssureTM

Credit AssureTM

+20

+4

We found opportunities to raise We found opportunities to raise

your credit score by 20 points with your credit score by 4 points with

the default settings.

the default settings.

* Available cash is set at $3,500. Timeframe: Rapid Rescore mode.CreditXpert(R) products are based on information derived from credit reports produced by the major credit reporting agencies. CreditXpert Inc. is not responsible for inaccurate results due to incorrect, missing, or outdated credit report information. CreditXpert Inc. does not represent that CreditXpert Credit Scores(TM) are identical or similar to credit scores produced by any other company. CreditXpert Inc. is not associated with Fair Isaac Corporation. Score changes predicted by CreditXpert products are only estimates and are not guaranteed. CreditXpert Inc. is not a credit counseling or a credit repair organization. THE FOREGOING IS NOT INTENDED TO PROVIDE OR IMPLY WARRANTIES OF ANY KIND. CREDITXPERT PRODUCTS ARE PROVIDED ON AN "AS IS" BASIS, AND CREDITXPERT INC. AND ITS DISTRIBUTORS DISCLAIM ANY AND ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, NON-INTERFERENCE AND/OR ACCURACY OF INFORMATIONAL CONTENT. Copyright (c) 2000-2007, CreditXpert Inc. All rights reserved. CreditXpert(R) is a registered trademark of CreditXpert Inc.

Credit Summary

Account Type

Number of Accounts Open Accounts Accounts Currently Past Due

Past Due

Payment

Balance Accounts

Historical Late Payments

30 Days

60 Days

Mortgage

0

0

0

$0

$0

$0 0

0

0

Installment

5

0

0

$0

$0

$0 1

5

5

Revolving/Credit Line

28

26

0

$0

$449 $15,893 2

3

0

Totals

33

26

0

$0

$449 $15,893 3

8

5

Number of Public Records:

0

Number of Collections/Charge-offs:

0

Bankruptcy:

No

Available Credit: Revolving/Credit Line Used:

Number of Inquiries: Number of Authorized User Accounts:

Late Payment History

$87,595 15% 4 2

90+ Days

0 0 0 0

1 Current 2 30-59 Days Late 3 60-89 Days Late

4 90-119 Days Late 5 120-149 Days Late 6 150+ Days Late

8 Repossession 9 Charged Off / Collection X No Data Available

Trade

AHM (1112) FUSA NA (0931) WFNNB/EXP (4741)

2010

2011

2012

2013

Type F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J

Inst 2 2 3 3 X X X X X X X X X X 1 X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X

Rev X X X X 2 2 X X X X X X X X X X X X 1

Rev X X X X X 2 X X X X X X X X X X X X X X 1 X X X X X X X X X X X X X X X X X X X X X X X X X X X

600 Saw Mill Road West Haven, CT 06516 800-530-8008 Fax: 203-931-2055 Consumer Inquiry: 401-781-7770

Ordered

03/25/2014

Released

03/25/2014

Applicant

Reissued

Merge(3)

AVANTUS LLC SAMPLE CUSTOMER

600 Saw Mill Rd West Haven, CT 06516

Page 1 of 8

Report ID

71486

Customer Code

SAMPLE

Requested By

bbhnb

Co-Applicant

Repositories Requested

TransUnion, Experian, Equifax

Name

Nickie Green

Current Address

100 Terrace Av West Haven, CT 06516

Social Security Number DOB

123-00-3333

Former Address

Marital Status

Name Current Address

Repository Files

Social Security Number DOB Former Address

Marital Status

Name

Social Security Number

Repository

Score(s)

Pulled

Nickie C. Green

123-00-3333

TransUnion

730

01/20/2014

Nickie C. Green

123-00-3333

Experian

[ 732 ]

01/20/2014

Nickie C. Green

123-00-3333

Equifax

734

Credit Score Information

01/20/2014

Score

Name

Nickie C. Green

Repository

Model

TransUnion FICO Risk Score, Classic (04)

Developed By

Fair Isaac

Range

250-900

730

Score

Factors (018, 030, 012, 010)

? Number of accounts with delinquency ? Time since most recent account opening is too short ? Length of time revolving accounts have been established ? Proportion of balances to credit limits is too high on bank revolving or other revolving accounts ? Score value was adversely affected by credit inquiries present in the credit file.

Name

Nickie C. Green

Repository

Experian

Model

Fair Isaac (v2)

Developed By

Fair Isaac

Range

300-850

[ 732 ]

Score

Factors (18, 10, 08, 05)

? Number of accounts delinquent. ? Proportion of balance to high credit on bank revolving or all revolving accounts. ? Number of recent inquiries. ? Number of accounts with balances.

Name

Nickie C. Green

Repository

Equifax

Model

Beacon 5.0

Developed By

Fair Isaac

Range

300-850

734

Factors (30, 18, 23, 5)

? Time since most recent account opening is too short ? Number of accounts with delinquency ? Number of bank or national revolving accounts with balances ? Too many accounts with balances ? Score value was adversely affected by credit inquiries present in the credit file.

File ID

TUC-A1 EXP-A1 EQX-A1

Calculated

01/20/2014

Reported On

TUC-A1

Calculated

01/20/2014

Reported On

EXP-A1

Calculated

01/20/2014

Reported On

EQX-A1

Credit History

Summary

Number of Accounts

33

Number of Open Accounts

26

CHASE

201 N Walnut Street Mailstop D Wilmington, DE 19801 800-955-9900

Account Number

5258313135432079

ECOA

Individual

Account Type

Open

Opened

10/2013

Collateral

Months Reviewed 30-59 Days Late

1

0 Times

120-149 Days Late

0 Times

Comment

CREDIT CARD

Last Activity

12/2013

Terms

Number of Delinquent Accounts

0

Credit Limit High Credit

Past Due

$89,200 $74,682 $0

Closed

Reported

12/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$5,499

Manner of Payment

Current (O01)

90-119 Days Late

0 Times

Past Due

$0

Payment

$449

Payment

$107

Balance

$15,893

Balance

$5,379

Applicant

Nickie Green

Merge(3)

Applicant's SSN Co-Applicant

123-00-3333

Co-Applicant's SSN Loan Number

Credit History (continued)

Page 2 of 8

Report ID

71486

AMEX

Box 7871

Fort Lauderdale, FL

33329

ECOA

Individual

Account Type

Revolving

Opened

05/2009

Collateral

Last Activity

11/2013

Terms

Months Reviewed 30-59 Days Late

Account Number

-186581359125413993

1

0 Times

120-149 Days Late

0 Times

Comment

CREDIT CARD

Closed

Reported

11/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$14,500

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

Payment (Est.)

$252

Balance

$5,034

BOA MBNA

400 Christiana Rd Newark, DE 19713

Account Number

4681

ECOA

Individual

Account Type

Revolving

Opened

12/2012

Collateral

Last Activity

12/2013

Terms

Months Reviewed 30-59 Days Late

12

0 Times

120-149 Days Late

0 Times

Comment

CREDIT CARD

Closed

Reported

12/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$6,000

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

Payment

$15

Balance

$2,969

BK OF AMER

P.O. Box 7047 Dover, DE 19903 800-759-6262

Account Number

599971422963

ECOA

Individual

Account Type

Revolving

Opened

02/2012

Collateral

Last Activity

12/2013

Terms

Months Reviewed 30-59 Days Late

21

0 Times

120-149 Days Late

0 Times

Comment

CREDIT CARD

Closed

Reported

12/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$11,000

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

Payment

$25

Balance

$1,377

GEMB/WALM

P.O. Box 103027 Roswell, GA 30076

Account Number

714331456132

ECOA

Individual

Account Type

Revolving

Opened

12/2007

Collateral

Months Reviewed 30-59 Days Late

72

0 Times

120-149 Days Late

0 Times

Comment

CHARGE

Last Activity

12/2013

Terms

Closed

Reported

12/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$3,600

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

Payment

$35

Balance

$832

CAP 1 BANK

PO Box 85015

Richmond, VA 23285

ECOA

Individual

Account Type

Revolving

Opened

03/2011

Collateral

Account Number

628916340666

Months Reviewed 30-59 Days Late

33

0 Times

120-149 Days Late

0 Times

Comment

CREDIT CARD

Last Activity

12/2013

Terms

Closed

Reported

12/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$1,049

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

Payment

$15

Balance

$302

Applicant

Nickie Green

Merge(3)

Applicant's SSN Co-Applicant

123-00-3333

Co-Applicant's SSN Loan Number

Credit History (continued)

AHM

600 Saw Mill Rd West Haven, CT 06516 203-931-2000

Account Number

2210-75105931112

ECOA

Individual

Account Type

Installment

Opened

07/2009

Collateral

Last Activity

06/2010

Terms

Months Reviewed 30-59 Days Late

21

5 Times

03/2010, 02/2010, 01/2010,

11/2009, 09/2009

120-149 Days Late

0 Times

Closed

Reported

Credit Limit High Credit

04/2011A

$5,182

Reported On

EQX-A1, TUC-A1, EXP-A1

Maximum Delinquency

05/2010, 60-89 Days Late

Manner of Payment

Current (I01)

60-89 Days Late

5 Times 05/2010, 04/2010, 12/2009, 10/2009, 08/2009

90-119 Days Late

0 Times

150+ Days Late

0 Times

Past Due

$0

BOA MBNA

400 Christiana Rd Newark, DE 19713

Account Number

7134

ECOA

Authorized User

Account Type

Revolving

Opened

08/2006

Collateral

Last Activity

11/2013

Terms

Months Reviewed 30-59 Days Late

29

0 Times

120-149 Days Late

0 Times

Comment

CREDIT CARD

Closed

Reported

Credit Limit High Credit

11/2013A $18,400

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

CITI

P.O. Box 6500 Sioux Falls, SD 57117

Account Number

653529182340

ECOA

Individual

Account Type

Revolving

Opened

04/2011

Collateral

Last Activity

11/2013

Terms

Months Reviewed 30-59 Days Late

31

0 Times

120-149 Days Late

0 Times

Comment

CREDIT CARD

Closed

Reported

12/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$9,900

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

CONSECO

Account Number

818561121133

ECOA

Individual

Opened

07/2007

Last Activity

08/2008

Account Type

Revolving

Collateral

Terms

Charge Account

Months Reviewed 30-59 Days Late

13

0 Times

120-149 Days Late

0 Times

Comment

CLOSED

Paid

07/2008

Reported

08/2008A

Reported On

TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$9,000 $9,010

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

FST USA BK B

3 Christiana Wilmington, DE 19801 302-594-4000

Account Number

552823979950

ECOA

Authorized User

Opened

09/2004

Last Activity

11/2004

Account Type

Revolving

Collateral

Credit Card

Terms

Months Reviewed 30-59 Days Late

8

0 Times

120-149 Days Late

0 Times

Comment

ACCOUNT CLOSED BY CREDIT GRANTOR

Closed

07/2006

Reported

11/2007A

Reported On

TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$9,000

$52

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

Page 3 of 8

Report ID

71486

*

Payment

$128

Balance

$0

Payment

Balance

$0

Payment

Balance

$0

Payment

Balance

$0

Payment

Balance

$0

Applicant

Nickie Green

FUSA NA

3 PO Box 8650 Wilmington, DE 19899 800-955-9900

Account Number

652822780931

Merge(3)

Applicant's SSN Co-Applicant

123-00-3333

Co-Applicant's SSN Loan Number

Credit History (continued)

ECOA

Individual

Opened

12/2005

Last Activity

04/2011

Closed

04/2011

Reported

Credit Limit High Credit

08/2011A

$3,500

Account Type

Revolving

Collateral

Terms

Reported On

EQX-A1, TUC-A1, EXP-A1

Maximum Delinquency

07/2010, 30-59 Days Late

Manner of Payment

Current (R01)

Months Reviewed 30-59 Days Late

68

2 Times

07/2010, 06/2010

60-89 Days Late

0 Times

90-119 Days Late

0 Times

120-149 Days Late

0 Times

150+ Days Late

0 Times

Comment

PAID ACCOUNT/ZERO BALANCE / ACCOUNT CLOSED BY CREDIT GRANTOR

Past Due

$0

GEMB/BANAN

P O Box 103014 Roswell, GA 30076

Account Number

712960112351

ECOA

Individual

Account Type

Revolving

Opened

01/2008

Collateral

Months Reviewed 30-59 Days Late

2

0 Times

120-149 Days Late

0 Times

Comment

CHARGE

Last Activity Terms

Closed

Reported

12/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$400

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

GEMB/GAP

Branch C10t Shawnee Mission, KS 66201

Account Number

712960610132

ECOA

Individual

Opened

01/2008

Account Type

Revolving

Collateral

Months Reviewed 30-59 Days Late

25

0 Times

120-149 Days Late

0 Times

Comment

CHARGE

Last Activity

09/2009

Terms

Closed

Reported

12/2013A

Reported On

EQX-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$750

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

GEMB/JCP

PO Box 27570 Albuquerque, NM 87125

Account Number

-204749

ECOA

Individual

Account Type

Revolving

Opened

08/2006

Collateral

Last Activity

05/2012

Terms

Months Reviewed 30-59 Days Late

88

0 Times

120-149 Days Late

0 Times

Comment

CHARGE

Closed

Reported

12/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$1,000

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

GEMB/OLD

Branch C11a Shawnee Mission, KS 66201

Account Number

712960710155

ECOA

Individual

Account Type

Revolving

Opened

02/2008

Collateral

Last Activity

08/2013

Terms

Months Reviewed 30-59 Days Late

70

0 Times

120-149 Days Late

0 Times

Comment

CHARGE

Closed

Reported

12/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$1,100

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

HSBC/BSTBY

1405 Foulk Road Wilmington, DE 19808 302-425-3500

Account Number

270712-2226730350

ECOA

Individual

Account Type

Revolving

Opened

07/2009

Collateral

Months Reviewed 30-59 Days Late

52

0 Times

120-149 Days Late

0 Times

Comment

CHARGE

Last Activity

10/2013

Terms

Closed

Reported

11/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$1,600

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

Page 4 of 8

Report ID

71486

*

Payment

Balance

$0

Payment

Balance

$0

Payment

Balance

$0

Payment

Balance

$0

Payment

Balance

$0

Payment

Balance

$0

Applicant

Nickie Green

Merge(3)

Applicant's SSN Co-Applicant

123-00-3333

Co-Applicant's SSN Loan Number

Credit History (continued)

HSBC/RS

2 P.O. Box 746 Wood Dale, IL 60191

Account Number

48171221142

ECOA

Opened

Participant 04/2008

Last Activity

09/2009

Account Type

Revolving

Collateral

Terms

Charge Account

Months Reviewed 30-59 Days Late

18

0 Times

120-149 Days Late

0 Times

Paid

09/2009

Reported

10/2009A

Reported On

TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$6,500 $2,696

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

HUDSON UNT

4716 Broadway Union City, NJ 07087

Account Number

71447611112

ECOA

Joint

Opened

06/2009

Last Activity

03/2011

Paid

03/2011

Reported

09/2012A

Account Type

Collateral

Installment

Terms

Reported On

EQX-A1, TUC-A1, EXP-A1

Months Reviewed 30-59 Days Late

38

0 Times

60-89 Days Late

0 Times

120-149 Days Late

0 Times

150+ Days Late

0 Times

Comment

PAID ACCOUNT/ZERO BALANCE / SECURED

Credit Limit High Credit

$9,012

Manner of Payment

Current (I01)

90-119 Days Late

0 Times

Past Due

$0

KOHL/CHASE

N56 W17000 Ridgewood Dr Menomonee Falls, WI 53051 516-673-2387

Account Number

41329149663

ECOA

Individual

Account Type

Revolving

Opened

07/2007

Collateral

Last Activity

11/2009

Terms

Months Reviewed 30-59 Days Late

46

0 Times

120-149 Days Late

0 Times

Comment

CREDIT CARD

Closed

Reported

10/2011A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$1,500

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

MACYS

Account Number

521320409

ECOA

Individual

Opened

03/2008

Last Activity

02/2013

Account Type

Revolving

Collateral

Terms

Revolving

Charge Account

Months Reviewed 30-59 Days Late

1

0 Times

120-149 Days Late

0 Times

Comment

Curr Acct

Closed

Reported On

EXP-A1

Reported

02/2013A

Credit Limit High Credit

$1,500 $521

Manner of Payment

Current (R01)

60-89 Days Late

0 Times

150+ Days Late

0 Times

90-119 Days Late

0 Times

Past Due

$0

MACYSDSNB

911 Duke Blvd Mason, OH 45040

Account Number

5231552697131

MACYSDSNB

911 Duke Blvd Mason, OH 45040

Account Number

5213204094731

ECOA

Individual

Account Type

Revolving

Comment

CHARGE

Opened

11/2005

Collateral

Last Activity

06/2013

Terms

ECOA

Individual

Account Type

Revolving

Opened

03/2008

Collateral

Last Activity

09/2012

Terms

Months Reviewed 30-59 Days Late

68

0 Times

120-149 Days Late

0 Times

Comment

CHARGE

Closed

Reported

12/2013A

Reported On

EQX-A1, EXP-A1

Credit Limit High Credit

$1,750

Manner of Payment

Current (R01)

Past Due

$0

Closed

Reported

12/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$1,500

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

Page 5 of 8

Report ID

71486

Payment

Balance

$0

Payment

$226

Balance

$0

Payment

Balance

$0

Payment

Balance

$0

Payment

Balance

$0

Payment

Balance

$0

Applicant

Nickie Green

Merge(3)

Applicant's SSN Co-Applicant

123-00-3333

Co-Applicant's SSN Loan Number

Credit History (continued)

MANDEES

401 Hackensack Ave Hackensack, NJ 07601 201-489-2111

Account Number

21117679

ECOA

Individual

Opened

09/2005

Last Activity

03/2008

Account Type

Revolving

Collateral

Terms

Charge Account

Months Reviewed 30-59 Days Late

43

0 Times

120-149 Days Late

0 Times

Paid

03/2008

Reported

10/2010A

Reported On

TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$200

$61

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

PEOPLE CC

Account Number

6656252114350494

ECOA

Joint

Account Type

Revolving

Opened

01/2005

Collateral

Months Reviewed 30-59 Days Late

24

0 Times

120-149 Days Late

0 Times

Comment

CREDIT CARD

Last Activity

06/2013

Terms

Closed

Reported

12/2013A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$1,900

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

PEOPLES BANK

211 State St Bridgeport, CT 06604

Account Number

251126750731112

ECOA

Individual

Opened

01/2009

Account Type

Collateral

Installment Unsecured

Months Reviewed 30-59 Days Late

9

0 Times

120-149 Days Late

0 Times

Comment

CLOSED / IAM062402

Last Activity

09/2009

Terms

24 Months

Closed

09/2009

Reported

09/2009A

Reported On

TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$3,000

Manner of Payment

Current (I01)

90-119 Days Late

0 Times

Past Due

$0

PEOPLES BANK

211 State St Bridgeport, CT 06604

Account Number

251122006721112

ECOA

Individual

Account Type

Installment

Comment

CLOSED

Opened

12/2004

Collateral

Secured

Last Activity

09/2006

Terms

Closed

Reported

02/2007A

Reported On

TUC-A1, EXP-A1

Credit Limit High Credit

$14,300

Manner of Payment

Current (I01)

Past Due

$0

PSB/PL

899 Main St Bridgeport, CT 06604 203-338-7171

Account Number

251104497391112

ECOA

Individual

Opened

02/2013

Last Activity

06/2013

Paid

06/2013

Reported

06/2013A

Account Type

Collateral

Installment

Terms

Reported On

EQX-A1, TUC-A1, EXP-A1

Months Reviewed 30-59 Days Late

4

0 Times

60-89 Days Late

0 Times

120-149 Days Late

0 Times

150+ Days Late

0 Times

Comment

PAID ACCOUNT/ZERO BALANCE / UNSECURED

Credit Limit High Credit

$4,000

Manner of Payment

Current (I01)

90-119 Days Late

0 Times

Past Due

$0

RBS NB CC

1000 Lafayette Blvd Bridgeport, CT 06604 203-551-3548

Account Number

549943121171

ECOA

Joint

Opened

01/2005

Account Type

Revolving

Collateral

Months Reviewed 30-59 Days Late

97

0 Times

120-149 Days Late

0 Times

Comment

CREDIT CARD

Last Activity

06/2013

Terms

Closed

Reported On

EQX-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Reported

11/2013A

Credit Limit High Credit

$1,900

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

SCA/AEROPST L

1000 Macarthur Bv Mahwah, NJ 07430 201-818-4000

Account Number

943112911196

ECOA

Individual

Opened

08/2008

Last Activity

02/2009

Account Type

Revolving

Collateral

Terms

Charge Account

Months Reviewed 30-59 Days Late

6

0 Times

120-149 Days Late

0 Times

Paid

02/2009

Reported

02/2009A

Reported On

TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$700

$60

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

Page 6 of 8

Report ID

71486

Payment

Balance

$0

Payment

Balance

$0

Payment

$144

Balance

$0

Payment

$188

Balance

$0

Payment

$136

Balance

$0

Payment

Balance

$0

Payment

Balance

$0

Applicant

Nickie Green

Merge(3)

Applicant's SSN Co-Applicant

123-00-3333

Co-Applicant's SSN Loan Number

Credit History (continued)

Page 7 of 8

Report ID

71486

WFNNB/AF

4590 East Broad St

Columbus, OH 43213

614-755-3437

ECOA

Individual

Account Type

Revolving

Opened

01/2009

Collateral

Account Number

207243913083590

Months Reviewed 30-59 Days Late

10

0 Times

120-149 Days Late

0 Times

Comment

CHARGE

Last Activity

11/2009

Terms

Closed

Reported

11/2009A

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

150+ Days Late

0 Times

Credit Limit High Credit

$1,000

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

Payment

Balance

$0

WFNNB/EXP

220 W Schrock Rd Westerville, OH 43081 614-523-5017

Account Number

206624507894741

ECOA

Individual

Account Type

Revolving

Opened

01/2007

Collateral

Last Activity

10/2011

Terms

Months Reviewed 30-59 Days Late

57

1 Time

07/2010

120-149 Days Late

0 Times

Comment

CHARGE

Closed

Reported On

EQX-A1, TUC-A1, EXP-A1

60-89 Days Late

0 Times

Reported

Credit Limit High Credit

10/2011A

$680

Maximum Delinquency

07/2010, 30-59 Days Late

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

150+ Days Late

0 Times

Payment

*

Balance

$0

WM FILENE

426 Washington St Boston, MA 02101 617-357-2100

Account Number

22800

ECOA

Individual

Opened

11/2005

Last Activity

05/2013

Closed

Reported

06/2013A

Account Type

Revolving

Collateral

Terms

Reported On

EQX-A1, TUC-A1, EXP-A1

Months Reviewed 30-59 Days Late

90

0 Times

60-89 Days Late

0 Times

120-149 Days Late

0 Times

150+ Days Late

0 Times

Comment

ACCOUNT TRANSFERRED OR SOLD / CHARGE

Credit Limit High Credit

$560

Manner of Payment

Current (R01)

90-119 Days Late

0 Times

Past Due

$0

Payment

Balance

$0

Public Records

THE REPORTING BUREAU CERTIFIES THAT: public records have been checked for judgements, foreclosures, bankruptcies, tax liens, and other legal actions involving the subject(s) were obtained directly through the repositories used, or by direct searches, or a public records search firm other than the repository, or by all methods with the following results: PUBLIC RECORDS LEARNED: NONE

Inquiries

Date

Name

Subscriber Code

Reported On

ECOA

01/02/2014

CIBMS P.O. Box 26776 West Haven, CT 06516 203-931-2020

Z 419063

TUC-A1

Individual

12/19/2013

CREDIT PLUS 530 Riverside Dr Salisbury, MD 21801 301-742-9551

1971155

EXP-A1

12/19/2013

CBD 530 Riverside Dr Salisbury, MD 21801 410-742-9551

Z 49997

TUC-A1

Participant

12/19/2013

CBOFDELMAR

243ZB00420

EQX-A1

Fraud Messages

OFAC Statement: In compliance with section 326 of the Patriot Act, your credit provider has checked the applicant(s) name(s) supplied by the borrower against the Office of Foreign Asset Control (OFAC) data base maintained by the Department of the Treasury. Any messages returned by your credit provider are located in this section of this credit report.

Date

Reported On

Comment

03/25/2014

Applicant

OFAC (UltraAMPS) clear. SDN list published on 02/27/2014.

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