FROM THE TOP
| 1. The Heading is at the very top right of the report.
It contains the Credit Bureau's information. The Credit Agency, their
address, their phone number, and the date the report was inquired upon. |
|
EXPERIAN Credit Profile Report
EXPERIAN 701 Experian Parkway P.O.Box 2002 Allen, TX 75013-0036 1-888-397-3742 Date Reported: 8/1/2003 |
PERSONAL INFORMATION
| 2. The next section of the report is the
applicant's personal information. This includes the Consumer's name,
social security number, up to three different addresses, date of birth
(if available), and telephone number (if available). |
|
Date of Birth: ??/??/???? Phone: 555-6439 |
Check the addresses against those submitted in the rental application. Do they match? The addresses are located below the applicants name with the most current address directly below the applicants name and chronologically listed from there. The employment and birth date information are located to the right of the applicant's addresses and above the summary score. Former addresses and employment information is inputted when a consumer applies for credit. Therefore it can or cannot be a definitive verification of the last three residences or jobs. |
EMPLOYMENT INFORMATION
| 3. This section of the report is the applicant's employment information.
This includes the company name, date hired (if available), income (if
available), occupation (if available), and separation date (if available). |
| Company Name: ACCURATE CREDIT BUREAU Date Hired: 11/1/1999 Income: $???,??? |
Occupation: CREDIT BUREAU Separation Date: |
Check the employment history against those submitted in the rental application. Do they match? The employment history may not necessary have the most current information. Former addresses and employment information is inputted when a consumer applies for credit. Therefore it can or cannot be a definitive verification of the last three residences or jobs. |
REPORT SUMMARY
| 4. Here is the overall summary of the applicant's credit history.
This will tell you the total number of accounts the applicant has, accounts
that are still currently active or negative or too new to be rated,
accounts that are past due or paid off, person(s) that have inquired
upon the applicant's credit history, accounts that are in collections
or public records, total amount still owed, and a breakdown of the amount. |
| Total # of Trades: 14 Current Trades: 8 Unrated Trades: 1 Curr Neg Trades: 5 Hist Neg Trades: 3 No. of Accts Paid: 5 Curr Past Due: 4 Amount Past Due: $5,442 |
30 Days: 0 60 Days: 0 90+ Days: 1 Inquiries: 3 Inq. last 6 mnths: 1 Public Records: 0 Collections: 2 Oldest Trade: 3/1/1994 |
Accounts Balance: $102,748 Mnthly Payment: $1,348 Credit Limit: $0 High Credit: $107,247 Total Real Est. Bal.: $77,576 Total Rev. Bal.: Tot. Installment Bal.: $16,246 Available %: 0 |
| Total number of accounts | Accounts that are 30 days past due | Total amount that is still owed |
| Accounts that are currently active | Accounts that are 60 days past due | Total minimum amount due monthly |
| Accounts that are too new | Accounts that are 90+ days past due | Most amount that can be borrowed |
| Current accounts that have been past due | Number of person(s) that have inquired upon this credit history | Most amount that has been owed |
| Past accounts that have been past due | Number of person(s) that have inquired within the past 6 months | Total amount of mortgage loans |
| Accounts that have been paid off | Number of accounts that are in public records | Total amount of credit card balances |
| Current accounts that are past due | Number of accounts that are in collections | Total amount of loan balances |
| Total amount of the past due accounts | Oldest account | Available percentage of the credit limit |
SCORECARDS
| 5. The score summary, Experian/FICO, is above the applicants
credit and trade information and is the overall rating of the applicant's
credit. Up to four factors are disclosed and are displayed in order
based on their relative impact on the final score. Generally scores
exceeding 625 are considered by banks as worthy of loans. The lowest
scores are in the low 400's and the highest scores close to 850 (Very
few). Scores between 600 and 700 are very common and considered very
good. Most tenant applicants will fall between 550 and 650 credit scores.
Scores below 575 are considered a risk, and usually warrant further
documentation or higher security deposits if the landlord proceeds.
(Note: No Hit means that the consumer has no credit history whatsoever
and nobody has even inquired upon their credit history) |
| Scorecard: Experian/Fair, Isaac Model Score: 676 Reasons: Serious delinquency, and public record or collection filed
|
COLLECTIONS
| 6. Identifies consumer accounts that have been transferred to a professional
debt-collecting firm. Collection information includes the name of the
collection agency providing the information, collector's kind-of-business
designators, and the consumer's account number with the collection agency.
Also included is the date the amount was charged off by the original
creditor, date the information was verified, the original dollar amount
of collection, the balance owed as of date verified or closed, name
of the original creditor, and an explanation of current account status
as reported by the collection agency. |
| CHARTER COMMUNICATIONS OF SUFF Other Collection Agencies |
10/4/2002 10/4/2002 |
CREDIT MANAGEMENT INC/3980798 22073282 |
$97 - |
| (62)Paid account/was a collection account,
insurance claim or government claim or was terminated by default. |
-
|
closed |
| FINGERHUT Other Collection Agencies |
7/8/2003 7/8/2003 |
RJM ACQUISITIONS FUNDI/1984265 188RJM80886959 |
$116 $116 |
| (93)Account seriously past due date/account
assigned to attorney, collection agency, or credit grantor's internal
collection department. |
- |
closed |
| SOUTH SUBURBAN HOSPITAL -2- Other Collection Agencies |
12/8/2002 12/8/2002 |
MEDICAL RECOVERY SPECI/1982651 5388820 |
$212 $212 |
| (93)Account seriously past due date/account
assigned to attorney, collection agency, or credit grantor's internal
collection department. |
- |
closed |
| Name of the creditor Type of service Status of the account Notes on the account |
Date the account was reported Last verified date on the account |
Member number associated with the account Account number for the account Date the account was closed |
Original amount that is owed Current balance as of the verified date Verifies that the account has been closed |
PUBLIC RECORDS
| 7. If there are any civil actions with dollar amounts
awarded, they will appear below the score summary in a field named Public
Records. Public Records information consists of bankruptcies, liens,
and civil actions against a consumer. This information will include;
the reporting account's name and number, original filing date with court,
status date if status is satisfied, released, vacated, discharged or
dismissed, amount and type of public record, certificate or docket number,
and code describing the consumer's association to the public record
item per the Equal
Credit Opportunity Act. Also provided is the plaintiff name; liability
and asset amounts for bankruptcies only, voluntary indicator for bankruptcies
only. |
| Judgment 97M1734093 |
11/14/1997
- Individual |
-
SIGNATURE HOUSING SOL - |
$611
- - |
| Bankruptcy Chapter 13-petition
filed 0210085MG |
1/2/2002 - Individual |
- - - |
- - - |
| Type of the record Type of court Docket number associated with record Type of disposition |
Date the record was reported Date the record was paid Type of account |
Member number associated with record Name of the plaintiff Name of the attorney |
Total amount that is owed Amount of assets Amount for liability |
TRADE LINES
| 8. Under the trade lines portion of the credit report,
creditors report the amount of loans and credit cards with payment histories.
The name of the creditor is in the left column, the credit amount information
in the center column, and the payment history is in the right column. |
|
BESTBANK/ACQD BY FDIC/0201640
Revolving (52)Paid account/was 30 days past due date two or three times. |
6/1/1998
2/24/1999 Bank Credit Card |
$600
$721 - |
-
- - |
- 7 - - |
B1--1-C Revolving Individual |
|
|
|
|
CROSS COUNTRY BANK/1216355 Revolving (97)Unpaid balance reported as a loss by credit grantor. |
7/1/2000 3/7/2003 Bank Credit Card |
$350 - 723 |
$723 $723 - |
- 32 - - |
999999999999994 Revolving Individual |
1 |
1 |
2 |
|
FIRESIDE THRIFT CO/3591185 5324065053001386 Installment (97)Unpaid balance reported as a loss by credit grantor. |
4/1/2000 7/3/2003 Personal Loan Companies |
- $12,558 5593 |
$5,377 $5,593 12558 |
- 39 - - |
966-654324332111 43 Individual |
9 |
2 |
16 |
| Name of the company |
Date the account was opened |
Most amount the consumer can owe |
Currently still owes |
Minimum monthly payment |
Number of times 30 days late |
Number of times 60 days late |
Number of times 90+ days late |
|
| Account number with the company |
Date the account was last reported |
Most amount the consumer has owed |
Amount that is past due |
Number of months repaid |
Payment pattern (Left being the most current) |
|||
| Type of account |
Kind of business of the company |
Amount that was charged off |
Original amount owed |
Date the account was closed |
Payment terms made with the company |
|||
| Notes about the account |
Users on the account |
PAYMENT HISTORY
| 9. On the far right hand side of the report is the consumer
payment history for the past 24 months. These codes reflect the
monthly status of an account and are displayed for balance reporting
loans. Collections and charge-offs are not graded. These codes stand
for: |
|
|
Current |
| N | Current account/zero balance-no update tape received |
| 0 | Current account/zero balance-reported on update tape |
| 1 | 30 days past the due date |
| 2 | 60 days past the due date |
| 3 | 90 days past the due date |
| 4 | 120 days past the due date |
| 5 | 150 days past the due date |
| 6 | 180 days past the due date |
| 7 | Bankruptcy Chapter 13 (Petitioned, Discharged, Reaffirmation of Debt Rescinded) |
| 8 | Derogatory, e.g. foreclosure proceeding, deed in lieu |
| 9 | Bankruptcy Chapter 7, 11, or 12 (Petitioned, Discharged, Reaffirmation of Debt Rescinded) |
| G | Collection |
| H | Foreclosure |
| J | Voluntary Surrender |
| K | Repossession |
| L | Charge-off |
| B | Account condition change, payment code not applicable |
| - | No history reported for that month |
| No history maintained |
INQUIRIES
|
10. This portion of the report is named inquiries.
This is a list of companies that have inquired about the applicant's
credit, usually for the purpose of extending new or additional credit.
Numerous inquiries lower the applicant's summary score by about two
points per inquiry.
|
| 7/18/2003 12/12/2002 9/11/2002 5/20/2002 5/17/2002 5/13/2002 |
RUSH CREDIT REPORTS RNB TARGET ASSOCIATED RECOVERY SY ADVANCE DISPOSAL CO AMERICAN TENANT SERVIC U D REGISTRY INC |
3951493 2322810 3980666 1943823 3950740 3951883 |
Unknown amount Unknown amount Unknown amount Unknown amount Unknown amount Unknown amount |
| Date the report was obtained | Name of the company that inquired upon the report | Company's subscriber number | Does not apply |
WARNING MESSAGES
|
11. The last portion of the report is called warning
messages. This is a list of messages that have to do about the
applicant's credit, social security number, name, and/or address.
|
| 0084 SSN MATCHES Reported via A/R tape, but different from inquiry Reported via A/R tape, but different from inquiry Reported via A/R tape, but different from inquiry |
| 0084 is a code that Experian uses to signify that the social security
number does match. Reported via A/R tape, but different from inquiry means that the information that was inputted manually is also reported via tape. |
|
12. Remember, if you have any questions or need assistance,
please call us 626 798-6670. Our customer service is available 6AM
to 6PM Monday through Saturday and 10AM to 4PM Sundays PST.
|
13. The Three Credit Reporting Agencies are; EQUIFAX, CONSUMER ASSISTANCE, P.O. Box 740241, Atlanta, GA 30374-0241 Telephone (800)685-1111; EXPERIAN, CONSUMER ASSISTANCE, P.O. Box 2002, Allen, TX 75013-0036 Telephone (888)397-3742; and TRANS UNION CORP, CUSTOMER RELATIONS, 2 Baldwin Pl., P.O. Box 1000, Chester, PA 19022 Telephone (800) 888-4213. |