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Friday, November 20, 2009

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Full Detailed Sample Credit Report:

Credit Report Summary:

Collections:
 3
30 Days Past Due:
 2
Past Due:
 7
60 Days Past Due:
 2
Amount Past Due:
 $19,657
90 Days Past Due:
 2
Public Records:
 2
Total Revolving Amt:
 $0
Current Trades:
 0
Total Installment Amt:
 $0
Inquiries:
 3
Account Balance:
 $20,277
Accounts Paid:
 0
High Credit:
 $4,032
Avg. Mo. Payment:
 $0
Credit Limit:
 $3000

Instant Credit Decision:Instant Credit Decision


Scorecards:

1
 Range: 330-830

(FICO)

Description:

Fair Isaac Co. Model
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


Scorecards:

1
 Range: 0-1000

(NRS)

Description:

Experian National Risk Score Model
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


Payment History Legend:


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


Personal Information:

1
Name

JONATHAN QUINCY CONSUMER
DOB

1951
SSN

999-99-9990
Phone
File Date
Spouse Name
Spouse SSN
Other AKA/SSN’s

JACK CONSUMER
JOHN SMITH
JONATHAN SMITH JONES JR
Phone Status
Indicators
Addresses
Report Date
Address Variances
Last Updated
Times Reported
10655 N BIRCH ST
BURBANK CA 91502-1234		 6/1/1995 3
1314 SOPHIA LN APT 3
SANTA ANA CA 92708-5678		 2/1/1995 1
2600 BOWSER ST #312
LOS ANGELES CA 90017-9876		 4/1/2004 0


Employment Information:

Company
Occupation
Hire Date
Separaton Date
Income
File Date
1
 AJAX HARDWARE
2035 BROADWAY SUITE 300
LOS ANGELES CA		 12/1/1998
2
 BELL AUTOMOTIVE
111 MAIN STREET
BURBANK CA		 5/1/1991


Collections:

1
Report Date

6/7/2005
Member

XYZ MEDICAL COLLECTION/1982739
Account

107169105
Creditor

XYZ MEDICAL COLLECTION
Narratives
Amount

$3,390.00
Balance Date

6/7/2005
Balance

$3,390.00
Date Assigned

9/1/2003
Collection Type

Collection Department/Agency/Attorney
Industry

Other Collection Agencies
Closed

closed
Date Closed
Record Code

357
Status

(93)Account seriously past due date/account assigned to attorney, collection agency, or credit grantor’s internal collection department.
2
Report Date

1/18/2005
Member

FIDELITY INFO CORP/3980247
Account

902177545
Creditor

SUPERIOR PROP MGMT
Narratives
Amount

$3076.00
Balance Date

1/18/2005
Balance

$3076.00
Date Assigned

11/1/2004
Collection Type

Delinquent Rent Collection
Industry

Other Collection Agencies
Closed
Date Closed
Record Code

357
Status

(93)Account seriously past due date/account assigned to attorney, collection agency, or credit grantor’s internal collection department.
3
Report Date

6/3/2004
Member

ABC COLLECTION SERVICE/1981091
Account

395801012
Creditor

SAN DIEGO UTILITIES
Narratives
Amount

$241.00
Balance Date

6/3/2004
Balance

$241.00
Date Assigned

4/1/2004
Collection Type

Collection Department/Agency/Attorney
Industry

Other Collection Agencies
Closed

open
Date Closed
Record Code

357
Status

(85)Credit Grantor could not locate consumer/consumer now located.


Public Records:

1
Date Filed

7/1/1995
Original Date

6/20/1994
Court Name/Number

SO CALIF DISTRICT COURT/3051111
Court Type
Docket

45078321
Record Type

County tax lien released
Industry
Member
Liability
Account Designation

Individual
Industry
Amount

$12,450
Plaintiff

ALLIED COMPANY
Assets
Date Paid
Status
Disposition
Attorney
2
Date Filed

9/19/1993
Original Date

6/20/1994
Court Name/Number

COUNTY SPR CT SANTA ANA/3019999
Court Type
Docket

7505853
Record Type

Judgment
Industry
Member
Liability
Account Designation

Individual
Industry
Amount

$1,200
Plaintiff

CA LANDLORD
Assets
Date Paid
Status
Disposition
Attorney


Tradelines:

1
Creditor

TXU ELECTRIC/3940215
Account Number

123456789
Trade Type

Unknown – Credit Extension, Review, Or Collection
Account Ownership

Individual
Date Opened

10/1/2000
Status

(97)Unpaid balance reported as a loss by credit grantor.
Balance

$179.00
Credit Limit

-1
High Balance

$179.00
Date Reported

4/30/2002
Terms

10
Narrative
Monthly Payment

-1
Past Due

179
Payment History

UKN
2
Creditor

XYZ MEDICAL DATA/8994068
Account Number

987654321
Trade Type

Unknown – Credit Extension, Review, Or Collection
Account Ownership

Individual
Date Opened

12/1/1999
Status

(93)Account seriously past due date/account assigned to attorney, collection agency, or credit grantor’s internal collection department.
Balance

$361.00
Credit Limit

-1
High Balance

$361.00
Date Reported

4/24/2000
Terms

Unknown
Narrative
Monthly Payment

-1
Past Due

361
Payment History

UKN
3
Creditor

USA BANK/7200470
Account Number

123456789
Trade Type

Credit Card, Terms REV
Account Ownership

Individual
Date Opened

8/1/2002
Status

(67)Debt included in or discharged throught Bankruptcy Chapter 7, 11, or 12.
Balance

$0.00
Credit Limit

3000
High Balance

$4,032.00
Date Reported

4/30/2004
Terms

Revolving
Narrative
Monthly Payment

-1
Past Due

-1
Payment History

2005

Dec
 Nov
 Oct
 Sep
 Aug
 Jul
 Jun
 May
 Apr
 Mar
 Feb
 Jan

2004

Dec
 Nov
 Oct
 Sep
 Aug
 Jul
 Jun
 May

4
Creditor

STUDENT UNIVERSITY/1907179
Account Number

987654321
Trade Type

Education Loan
Account Ownership

Individual
Date Opened

1/1/2001
Status

(62)Paid account/was a collection account, insurance claim or government claim or was terminated by default.
Balance

$-1.00
Credit Limit

-1
High Balance

$2,250.00
Date Reported

12/31/2003
Terms

120
Narrative
Monthly Payment

-1
Past Due

-1
Payment History

2005

Dec
 Nov
 Oct
 Sep
 Aug
 Jul
 Jun
 May
 Apr
 Mar
 Feb
 Jan

2004

Dec
 Nov
 Oct
 Sep
 Aug
 Jul
 Jun
 May
 Apr
 Mar
 Feb
 Jan


2003

Dec


Inquiries:

Name
Type
Date
1
 700 CREDIT/RANCHO CHRY Automobile Dealers, Used 10/5/2005
2
 MBNA Bank Credit Cards 10/4/2005
3
 CMRE FINANCIAL SVCS IN Other Collection Agencies 5/20/2004


Account Detail:

Number
Name
Address
Phone
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


Warnings:

Code
ID
Description
382a FACS+ Message: Sub-segment data only
382c FACS+ SOCIAL COUNTER: Social has been used 0 times since 11/1/2005
382d FACS+ SOCIAL ERROR: Indicates that no error conditions occured
382e FACS+ ADDRESS COUNTER: Address has been used 0 times since 11/1/2005
382f FACS+ ADDRESS ERROR: Indicates that no error conditions occured
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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