Full Detailed Sample Credit Report
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Instant Credit Decision:
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Collections:
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3 |
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30 Days Past Due:
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2 |
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Past Due:
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7 |
60 Days Past Due:
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2 |
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Amount Past Due:
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$19,657 |
90 Days Past Due:
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2 |
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Public Records:
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2 |
Total Revolving Amt:
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$0 |
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Current Trades:
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0 |
Total Installment Amt:
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$0 |
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Inquiries:
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3 |
Account Balance:
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$20,277 |
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Accounts Paid:
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0 |
High Credit:
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$4,032 |
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Avg. Mo. Payment:
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$0 |
Credit Limit:
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$3000 |
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Range: 330-830
(FICO)
Description:
Fair Isaac Co. Model
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  Score: 546
Score Factors:
Serious delinquency and public record or collection filed
Number of accounts delinquent
Proportion of balance to high credit on bank revolving or all revolving accounts
Proportion of current loan balance to original loan amount
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Range: 0-1000
(NRS)
Description:
Experian National Risk Score Model
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Score: 380
Score Factors:
Presence of non-satisfactory rating on accounts or lack of open accounts
Average age of accounts
Too few accounts now current
Presence of non-satisfactory rating on revolving accounts
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Current |
Warning |
30 – 59 days past due |
No history |
Not Applicable |
UKN
Unknown |
Zero balance not on update tape |
Student Loan / Educational |
Alert |
60 – 89 days past due |
90 – 119 days past due |
120+ days past due |
150+ days past due |
180+ days past due |
Medical |
Utilities |
Collection |
Foreclosure |
Reposession |
Charge off |
Chp 13 Bankruptcy |
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Name
JONATHAN QUINCY CONSUMER
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DOB
1951
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SSN
999-99-9990
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Phone
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File Date
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Spouse Name
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Spouse SSN
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Other AKA/SSN’s
JACK CONSUMER
JOHN SMITH
JONATHAN SMITH JONES JR
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Phone Status
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Indicators
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Addresses
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Report Date
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Address Variances
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Last Updated
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Times Reported
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10655 N BIRCH ST
BURBANK CA 91502-1234 |
6/1/1995 |
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3 |
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1314 SOPHIA LN APT 3
SANTA ANA CA 92708-5678 |
2/1/1995 |
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1 |
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2600 BOWSER ST #312
LOS ANGELES CA 90017-9876 |
4/1/2004 |
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0 |
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Company
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Occupation
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Hire Date
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Separaton Date
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Income
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File Date
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AJAX HARDWARE
2035 BROADWAY SUITE 300
LOS ANGELES CA |
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12/1/1998 |
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BELL AUTOMOTIVE
111 MAIN STREET
BURBANK CA |
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5/1/1991 |
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1
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Report Date
6/7/2005
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Member
XYZ MEDICAL COLLECTION/1982739
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Account
107169105
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Creditor
XYZ MEDICAL COLLECTION
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Narratives
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Amount
$3,390.00
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Balance Date
6/7/2005
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Balance
$3,390.00
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Date Assigned
9/1/2003
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Collection Type
Collection Department/Agency/Attorney
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Industry
Other Collection Agencies
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Closed
closed
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Date Closed
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Record Code
357
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Status
(93)Account seriously past due date/account assigned to attorney, collection agency, or credit grantor’s internal collection department.
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2
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Report Date
1/18/2005
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Member
FIDELITY INFO CORP/3980247
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Account
902177545
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Creditor
SUPERIOR PROP MGMT
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Narratives
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Amount
$3076.00
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Balance Date
1/18/2005
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Balance
$3076.00
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Date Assigned
11/1/2004
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Collection Type
Delinquent Rent Collection
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Industry
Other Collection Agencies
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Closed
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Date Closed
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Record Code
357
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Status
(93)Account seriously past due date/account assigned to attorney, collection agency, or credit grantor’s internal collection department.
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3
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Report Date
6/3/2004
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Member
ABC COLLECTION SERVICE/1981091
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Account
395801012
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Creditor
SAN DIEGO UTILITIES
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Narratives
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Amount
$241.00
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Balance Date
6/3/2004
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Balance
$241.00
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Date Assigned
4/1/2004
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Collection Type
Collection Department/Agency/Attorney
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Industry
Other Collection Agencies
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Closed
open
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Date Closed
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Record Code
357
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Status
(85)Credit Grantor could not locate consumer/consumer now located.
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Date Filed
7/1/1995
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Original Date
6/20/1994
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Court Name/Number
SO CALIF DISTRICT COURT/3051111
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Court Type
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Docket
45078321
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Record Type
County tax lien released
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Industry
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Member
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Liability
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Account Designation
Individual
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Industry
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Amount
$12,450
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Plaintiff
ALLIED COMPANY
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Assets
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Date Paid
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Status
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Disposition
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Attorney
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Date Filed
9/19/1993
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Original Date
6/20/1994
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Court Name/Number
COUNTY SPR CT SANTA ANA/3019999
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Court Type
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Docket
7505853
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Record Type
Judgment
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Industry
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Member
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Liability
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Account Designation
Individual
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Industry
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Amount
$1,200
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Plaintiff
CA LANDLORD
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Assets
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Date Paid
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Disposition
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Attorney
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1
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Creditor
TXU ELECTRIC/3940215
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Account Number
123456789
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Trade Type
Unknown – Credit Extension, Review, Or Collection
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Account Ownership
Individual
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Date Opened
10/1/2000
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Status
(97)Unpaid balance reported as a loss by credit grantor.
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Balance
$179.00
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Credit Limit
-1
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High Balance
$179.00
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Date Reported
4/30/2002
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Terms
10
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Narrative
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Monthly Payment
-1
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Past Due
179
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Payment History
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2
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Creditor
XYZ MEDICAL DATA/8994068
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Account Number
987654321
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Trade Type
Unknown – Credit Extension, Review, Or Collection
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Account Ownership
Individual
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Date Opened
12/1/1999
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Status
(93)Account seriously past due date/account assigned to attorney, collection agency, or credit grantor’s internal collection department.
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Balance
$361.00
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Credit Limit
-1
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High Balance
$361.00
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Date Reported
4/24/2000
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Terms
Unknown
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Narrative
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Monthly Payment
-1
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Past Due
361
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Payment History
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3
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Creditor
USA BANK/7200470
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Account Number
123456789
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Trade Type
Credit Card, Terms REV
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Account Ownership
Individual
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Date Opened
8/1/2002
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Status
(67)Debt included in or discharged throught Bankruptcy Chapter 7, 11, or 12.
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Balance
$0.00
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Credit Limit
3000
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High Balance
$4,032.00
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Date Reported
4/30/2004
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Terms
Revolving
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Narrative
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Monthly Payment
-1
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Past Due
-1
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Payment History
2005
Dec
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Nov
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Oct
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Sep
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Aug
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Jul
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Jun
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May
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Apr
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Mar
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Feb
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Jan
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2004
Dec
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Nov
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Oct
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Sep
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Aug
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Jul
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Jun
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May
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4
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Creditor
STUDENT UNIVERSITY/1907179
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Account Number
987654321
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Trade Type
Education Loan
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Account Ownership
Individual
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Date Opened
1/1/2001
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Status
(62)Paid account/was a collection account, insurance claim or government claim or was terminated by default.
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Balance
$-1.00
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Credit Limit
-1
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High Balance
$2,250.00
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Date Reported
12/31/2003
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Terms
120
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Narrative
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Monthly Payment
-1
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Past Due
-1
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Payment History
2005
Dec
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Nov
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Oct
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Sep
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Aug
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Jul
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Jun
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May
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Apr
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Mar
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Feb
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Jan
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2004
Dec
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Nov
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Oct
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Sep
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Aug
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Jul
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Jun
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May
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Apr
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Mar
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Feb
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Jan
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Dec
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Name
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Type
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Date
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1
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700 CREDIT/RANCHO CHRY |
Automobile Dealers, Used |
10/5/2005 |
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2
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MBNA |
Bank Credit Cards |
10/4/2005 |
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3
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CMRE FINANCIAL SVCS IN |
Other Collection Agencies |
5/20/2004 |
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Number
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Name
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Address
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Phone
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| 1981091 |
ABC COLLECTION SERVICES |
407 S 21ST ST
SAN DIEGO, CA 92070 |
8051234567 |
| 1982739 |
XYZ MEDICAL COLLECTION |
2206 DELL RANGE BLVD
LOS ANGELES, CA 92009 |
BYMAILONLY |
| 3980247 |
FIDELITY INFORMATION CORPORATION |
PO BOX 100
PACIFIC PALISADES, CA 90272 |
8005018085 |
| 3940215 |
TXU ELECTRIC |
406 6TH ST
RIVERSIDE, CA 92301 |
BYMAILONLY |
| 8994068 |
XYZ MEDICAL DATA |
PO BOX 247
SANTA MONICA, CA 90036 |
3101234567 |
| 7200470 |
USA BANK |
PO BOX 5400
VENTURA, CA 98154 |
BYMAILONLY |
| 1907179 |
STUDENT UNIVERSITY |
200 SOMERSET CORP BLVD
LOS ANGELES, CA 91002 |
2129876543 |
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Code
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ID
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Description
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382a |
FACS+ Message: Sub-segment data only |
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382c |
FACS+ SOCIAL COUNTER: Social has been used 0 times since 11/1/2005 |
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382d |
FACS+ SOCIAL ERROR: Indicates that no error conditions occured |
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382e |
FACS+ ADDRESS COUNTER: Address has been used 0 times since 11/1/2005 |
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382f |
FACS+ ADDRESS ERROR: Indicates that no error conditions occured |
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382g |
FACS+ POSSIBLE YEARS ISSUED SSN: 1982-1984 |
| 21 |
382h |
Telephone Number Inconsistent w/Address |
| 84 |
361 |
0084 SSN MATCHES |
| 1 |
336 (Calif. AB655) |
Reported via A/R tape, but different from inquiry |
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