Credit Report Sample



This is the report you requested. (this is not a real person, but used for a sample)

It can be sent to you directly in an email, or put into Microsoft Word as an attachment.

|    Identification (as requested) |

|Applicant's last name |First name |Middle |Suffix |DOB |Social Security |

| Doe | Jonathan |  |  | 02/27/1979 | 123-45-6789 |

|    Residence Information (as requested) |

|Present | 2200 Maple Lane | Miami | FL | 32310 |Telephone |

| | | | | |  |

|    File Variations |

|   Trans Union |  BU1 |  123-45-6789 |   DOE, John B |  02/1979 |  07/19/05 18:15 |   |

|   Equifax |  BQ1 |  123-45-6789 |   Doe, Jonathan T |  02/1979 |  07/19/05 18:15 |   |

|   Experian |  BX1 |  123-45-6789 |   Doe, Jonathan |   |  07/19/05 18:15 |   |

| |

|    Public Records |

|  |

|No Public Records found |

|(normally judgments, tax liens go here if there are any) |

|    Inquiry Information |

|  07/19/2005  DCC  (BU1) | |  07/14/2005  BADCOCK  (BQ1) |

|  06/27/2005  PIONEER CRED  (BU1) | |  07/14/2005  FLAG CU  (BQ1) |

|  06/14/2005  CIC  (BU1) | |  07/13/2005  BELLSOUTH  (BQ1) |

|  06/23/2005  CREDCO  (BQ1) | | |

|  06/06/2005  TEAM ISUZU  (BQ1) | | |

|  06/20/2005  ACCOUNTS RECEIVABLE MG  (BX1) | | |

|  06/04/2005  CIC MORTGAGE REPORTING  (BX1) | | |

|  05/13/2005  APPLICATION PROCESSING  (BX1) | | |

|    Database Residence Information |First |Last |  |

|  2345 MAIN RD | MIAMI | FL | 32333 | 02/03 | 03/05 | BU1 BQ1 |

|  2200 MAPLE LANE | MIAMI | FL | 32328 | --- | 06/04 | BU1 |

|  1122 LAWNVIEW AVE | MIAMI | FL | 32314 | 11/99 | 01/05 | BU1 BX1 |

|  925 SHERREN STREET | MIAMI | FL | 32379 | 03/05 | 05/05 | BQ1 BX1 |

|  4901 5TH STREET | MIAMI | FL | 32331 | 05/05 | 05/05 | BX1 |

|    Database Employment Information |First |Last |  |

|    STATE OF CALIFORNIA | ADMIN SEC | 01/99 | 01/03 | BU1 BQ1 BX1|

|    MIAMI DOLPHINS | PRO FOOTBALL | --- | --- | BU1 |

|    HSS | SECT | --- | --- | BQ1 |

|    PEOPLE TRAIN |  | --- | --- | BQ1 |

|    FLORIDA TRAIN |  | 02/05 | 02/05 | BX1 |

|    TruAlert - Applicant |

|     OFAC Compliance |

|     Applicant input name checked. No exact match found on the OFAC list |

|    AKA |

|  AKA: DOE, JOHN, B |

|    BU1 |

|  FORMER NAME: DOE JOHN, DOE |

|  FORMER NAME: DOE, JOHN T |

|  FORMER NAME: DOE, JONATHAN P |

|    BQ1 |

|  Similar Name: DOE, JOHN T |

|  AKA: DOE, JOHN B |

|  Nickname: JOHN, DOE T |

|    BX1 |

|    Fraud Search |

|  FACTA: Address mismatch alert - The current input address does not match the file address. |

|    BU1 |

|  FACTA: Address mismatch Alert - The address submitted in the inquiry is substantially different from the address on file. |

|    BQ1 |

|  FACTA: Address mismatch alert: Input address did not match the best address on file. |

|    BX1 |

|    Credit Score Information |

|497 |Repository |Brand |Type | 123-45-6789 | DOE, JOHN B | BQ1 |

| | Equifax | BEACON 5 | FICO | | | |

| |    38 - Serious delinquency, and derogatory public record or collection filed |

| |    10 - Proportion of balances to credit limits is too high on bank revolving or other revolving accounts |

| |    18 - Number of accounts with delinquency |

| |    20 - Length of time since derogatory public record or collection is too short |

| | FACTA: Inquiries impacted this score. |

|490 |Repository |Brand |Type | 123-45-6789 | Doe, Jonathan | BX1 |

| | Experian | Fair Isaac | FICO | | | |

| |    38 - Serious delinquency and public record or collection field |

| |    18 - Number of accounts delinquent |

| |    10 - Proportion of balance to high credit on bank revolving or all revolving accounts |

| |    33 - Proportion of current loan balance to original loan amount |

| | FACTA: NUMBER OF RECENT INQUIRIES |

|487 |Repository |Brand |Type | 123-45-6789 | DOE, JOHN T | BU1 |

| | TransUnion | Empirica | FICO | | | |

| |    038 - Serious delinquency, and public record or collection filed |

| |    013 - Time since delinquency is too recent or unknown |

| |    018 - Number of accounts with delinquency |

| |    010 - Proportion of balances to credit limits is too high on bank revolving or other revolving accounts |

| | FACTA: Inquiries impacted the credit score and derogatory information is found in the file. |

|    Credit History | |Payment |Balance |

| | | | |

|BUYERCHOIC |Opened |Reported|High balance|Reviewed |

|1298200240 | 12/04 | 06/05 | 17,482 | 6 mos |

|WFFINANCE |Opened |Reported|High balance|Reviewed |

|1011901131578 | 01/01 | 07/02 | 7,752 | 18 mos |

|NELNET LOANS |Opened |Reported|High balance|Reviewed |

|13453A201 | 09/03 | 06/05 | 2,625 | 19 mos |

|CAPITAL ONE |Opened |Reported|High balance|Reviewed |

|5291012416295 | 11/02 | 07/05 | 1,890 | --- |

|WACH/REC |Opened |Reported|High balance|Reviewed |

|1056427233701 | 10/04 | 06/05 | Unknown | --- |

|ARROW FINCL |Opened |Reported|High balance|Reviewed |

|23444 | 01/04 | 06/05 | 403 | --- |

|ARROW SER |Opened |Reported|High balance|Reviewed |

|AFS ASSIG12345678 | --- | 06/05 | 403 | --- |

|ALLTEL COMM |Opened |Reported|High balance|Reviewed |

|1230499512 | --- | 06/05 | 546 | --- |

|ANDERSON FINANCIAL |Opened |Reported|High balance|Reviewed |

|1091332274 | 04/05 | 05/05 | 471 | --- |

|CASH ADVANCE |Opened |Reported|High balance|Reviewed |

|401951198924 | 12/03 | 03/04 | --- | --- |

|UNITED COMPUCRED |Opened |Reported|High balance|Reviewed |

|82442166 | 12/03 | 05/05 | 300 | --- |

|CERTIFIED RECOVERY SYS |Opened |Reported|High balance|Reviewed |

|521636 | 08/04 | 10/04 | 320 | --- |

|CERTIFIED RECOVERY SYS |Opened |Reported|High balance|Reviewed |

|45117548 | 05/04 | 07/04 | 320 | --- |

|CBCS |Opened |Reported|High balance|Reviewed |

|151358641557 | 03/05 | 06/05 | 159 | --- |

|CBCS |Opened |Reported|High balance|Reviewed |

|11368521588 | 11/04 | 03/05 | --- | --- |

|TELECHECK SERVI |Opened |Reported|High balance|Reviewed |

|24413314 | 04/05 | 07/05 | --- | --- |

|AMERICREDIT |Opened |Reported|High balance|Reviewed |

|416111523 | 02/99 | 03/04 | 8,138 | --- |

|BANKAMERICA |Opened |Reported|High balance|Reviewed |

|1234567890123456 | 08/94 | 06/03 | 14,748 | 84 mos |

|FIRST PREMIER |Opened |Reported|High balance|Reviewed |

|541390209C51 | 09/01 | 02/04 | 403 | --- |

|FIRST PREMIER BANK |Opened |Reported|High balance|Reviewed |

|351162874 | 09/01 | 02/04 | --- | --- |

|FLAG CU |Opened |Reported|High balance|Reviewed |

|7507912842015 | 03/95 | 09/95 | 775 | 5 mos |

|FLAG CU |Opened |Reported|High balance|Reviewed |

|750711984015 | 02/99 | 06/99 | 500 | 3 mos |

|FLAG FCU |Opened |Reported|High balance|Reviewed |

|7502934872015 | 09/95 | 02/98 | 1,450 | 28 mos |

|FLAG FEDERAL CR UNION |Opened |Reported|High balance|Reviewed |

|204721 | 02/04 | 06/04 | 1,000 | 4 mos |

|HEILIG MEYERS |Opened |Reported|High balance|Reviewed |

|4114555 | 12/97 | 04/03 | 263 | 1 mos |

|HSBC NV |Opened |Reported|High balance|Reviewed |

|13222033885 | 06/03 | 11/04 | --- | --- |

|WFFINANCE |Opened |Reported |High balance |Reviewed |30 |60 |

|62611001178 | 01/01 | 07/03 | --- | 0 mos |  0 |  0 |

|    Creditor Information |

|  ACCOUNTS RECEIVABLE MG   (856)931-4500    | |  FARMER FUR   (229)228-4405    |

|  155 MID ATLANTIC PARKWAY, THOROFARE, NJ 08086 | |  2738 E PINETREE BLVD, THOMASVILLE, GA 31792-0000 |

| | | |

|  ALLTEL COMM   (800)255-8351    | |  FIRST PREMIER   (605)357-3440    |

|  1 ALLIED DRIVE, LITTLE ROCK, AR 72203 | |  900 DELAWARE SUITE 7 TAPE ONLY, SIOUX FALLS, SD 57104 |

| | | |

|  AMERICREDIT   (817)882-7000    | |  FIRST PREMIER BANK   (605)357-3440    |

|  200 BAILEY AVE, FORT WORTH, TX 76107-1211 | |  601 S MINNESOTA AVE, SIOUX FALLS, SD 57104 |

| | | |

|  ANDERSON FINANCIAL   (800)371-3645    | |  FLAG CU   (850)488-6781    |

|  404 BROCK DR PO BOX 3097, BLOOMINGTON, IL 61701 | |  3125 CONNER BLVD, MIAMI, FL 32301 |

| | | |

|  APPLICATION PROCESSING   (813)949-7461    | |  FLAG FCU   (850)488-6781    |

|  205 FLAGSHIP DR, LUTZ, FL 33549 | |  3125 CONNER BLVD, MIAMI, FL 32301 |

| | | |

|  ARROW FINCL   (800)279-0224    | |  FLAG FEDERAL CR UNION   (850)488-6781    |

|  5996 W TOUHY AVE, NILES, IL 60714 | |  3125 CONNER BLVD, MIAMI, FL 32301 |

| | | |

|  ARROW SER   (800)279-0224    | |  GEMB/DILLARD       |

|  5996 WEST TOUHY AVE PO # SMI-0000013221, NILES, IL 60714 | |  PO BOX 52005, PHOENIX, AZ 85072 |

| | | |

|  BADCOCK   (863)425-4921    | |  HEILIG MEYERS   (904)942-5447    |

|  PO BOX 497, MULBERRY, FL 33860 | |  3213 APALACHEE PKWY, MIAMI, FL 32311 |

| | | |

|  BANKAMERICA   (800)944-1444    | |  HSBC NV       |

|  10401 DEERWOOD PARK BLVD FL9-015-03-28, JACKSONVILLE, FL | |  1441 SCHILLING PL, SALINAS, CA 93901 |

|32256 | | |

| | |  NELNET LOANS       |

|  BELLSOUTH       | |  6420 SOUTHPOINT PKWY, JACKSONVILLE, FL 32216 |

|  1025 LENOX PARK BLVD 9B44, ATLANTA, GA 30319 | | |

| | |  RELIABLE CRD   (904)386-6853    |

|  BUYERCHOIC   (229)243-7283    | |  PO BOX 4269, MIAMI, FL 32315 |

|  1027 EAST SHOTWELLST, BAINBRIDGE, GA 31717 | | |

| | |  TEAM ISUZU   (850)575-6600    |

|  CAPITAL ONE       | |  2800 W. TENNESSEE STREET DBA TEAM ISUZU, MIAMI, FL 32304 |

|  PO BOX 85015, RICHMOND, VA 23285-5075 | | |

| | |  UNITED COMPUCRED   (888)490-7755    |

|  CASH ADVANCE   (713)464-4449    | |  4190 HARRISON AV, CINCINNATI, OH 45211 |

|  7207 REGENCY SQUARE SUITE 100, HOUSTON, TX 77036 | | |

| | |  WACH/REC       |

|  CAVALRY PORT   (602)667-0128    | |  PO BOX 3117, WINSTON-SALEM, NC 27102 |

|  4050 E COTTON CENTER BLV, PHOENIX, AZ 85040 | | |

| | |  WFFINANCE   (904)477-1077    |

|  CBCS   (800)947-2987    | |  8998 PENSACOLA BLVD, PENSACOLA, FL 32534 |

|  236 EAST TOWNE ST, COLUMBUS, OH 43215 | | |

| | |  WFFINANCE   (850)941-0660    |

|  CERTIFIED RECOVERY SYS       | |  2400 W MICHIGAN AVENUE #15, PENSACOLA, FL 32526 |

|  6161 SAVOY DR STE 600, HOUSTON, TX 77036 | | |

| | |  WFFINANCIAL   (904)477-1077    |

|  CIC MORTGAGE REPORTING   (615)386-2282    | |  8998 PENSACOLA BLVD, PENSACOLA, FL 32534 |

|  PO BOX 128349, NASHVILLE, TN 37212 | | |

| | | |

|    Summary Information |

|General |08/94 | Oldest tradeline date |Payment |0 | Open revolving payments |

|summations |0 | Public records |summaries |774 | Open installment payments |

| |15 | Number of inquiries 90 days | |774 | Total open payments |

|Late |15 | Payments 30 to 59 days late |Balance |12,873 | Balance monthly owed |

|payments |9 | Payments 60 to 89 days late |owed |3,303 | Revolving balance owed |

| |17 | Payments 90 to 119 days late | |26,585 | Installment balance owed |

| |7 | Payments 150 to 179 days late | |42,761 | Total balance owed |

| |1 | Payments 180 and over days late | | | |

| |7 | | | | |

|Trades |0 | Number of open revolving trades |Amount |1,890 | Revolving amount past due |

|numbers |3 | Number of open installment trades |past |3,008 | Installment amount past due |

| |10 | Number of balance monthly trades |due |1,263 | Balance monthly amount past due |

| |13 | Total number of trades | |6,161 | Total amount past due |

|Adverse |17 | Number of collection trade lines |High credit |2,557 | Revolving credit limit |

|trade |0 | Number of bankruptcy trade lines |/balance |5,891 | Revolving high balance |

|lines |0 | Number of foreclosed trade lines | |74,349 | Installment high balance |

| |6 | Number of profit and loss trade lines | |9,856 | Balance monthly high balance |

| |0 | Number of repossession trade lines | | | |

| |26 | Number of adverse trade lines | | | |

| |36 | Total number of trade lines | | | |

|    Information sources |

|  This report includes information retrieved from the following repository(ies): |

| TransUnion Consumer Relations | Equifax Consumer Relations | Experian Consumer Relations |

|  PO Box 1000 |  PO Box 740241 |  PO Box 2002 |

|  Chester, PA 19022 |  Atlanta, GA 30374 |  Allen, TX 75013 |

|  (800) 888-4213 |  (800) 685-1111 |  (888) 397-3742 |

|   |   |   |

|  This Residential Merged Credit Report is furnished in response to a consumer or business application. The information |

|contained herein meets the standards set forth by FNMA, FHLMC, FHA/VA and the Rural Housing Service. The information contained |

|herein meets all guidelines set forth by the Fair Credit Reporting Act; it is to be held in strict confidence and may be |

|revealed only to those whose official duties require the information in relation to which this report was ordered, except that |

|which is required by law. The information has been obtained from sources deemed reliable, the accuracy of which Kroll Factual |

|Data does not guarantee. |

|  * denotes source(s) of adverse information |

|    End of Report | |

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