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