OPEN ACCOUNTS HI CREDIT PAYMENT $533 $31206 BALANCE PAST DUE $28626 HI CREDIT PAYMENT $4000 $10 BALANCE PAST DUE $228 HI CREDIT PAYMENT $500 BALANCE

Size: px
Start display at page:

Download "OPEN ACCOUNTS HI CREDIT PAYMENT $533 $31206 BALANCE PAST DUE $28626 HI CREDIT PAYMENT $4000 $10 BALANCE PAST DUE $228 HI CREDIT PAYMENT $500 BALANCE"

Transcription

1 3265 CASTLE COURT SUITE 3, EVERGREEN, CO 8439 Phone: Fax: MERGED INFILE CREDIT REPORT Reporting Bureau certifies compliance contractual requirements governing check of public records with these results. Public Records Found For: Applicant Spouse SEND TO: Evergreen Credit A 99 REQUESTED BY: HAPPY DAZE FILE #: CASTLE COURT, EVERGREEN, CO 8439 DATE: 3/9/25 REF. #: REPOSITORIES: APPLICANT INFORMATION APPLICANT: TESTCASE, CARLOS CURRENT ADDRESS: 964 ORIOLE, ANTHILL, MO LENGTH: APPLICANT 743 EQUIFAX/FICO CLASSIC V5 FACTA RANGE: MARISOL LEMUS TESTCASE SCORE MODELS 3 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 4 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 8 TOO MANY INQUIRIES LAST 2 MONTHS 2 LENGTH OF TIME OLVING ACCOUNTS HAVE BEEN ESTABLISHED 74 TRANSUNION/FICO CLASSIC (98) RANGE: MARISOL L TESTCASE 4 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 2 LENGTH OF TIME OLVING ACCOUNTS HAVE BEEN ESTABLISHED 8 TOO MANY INQUIRIES LAST 2 MONTHS 3 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT FA INQUIRIES IMPACTED THE CREDIT SCORE 745 EXPERIAN/FAIR, ISAAC (VER. 2) RANGE: MARISOL TESTCASE 4 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 8 TOO MANY INQUIRIES LAST 2 MONTHS 9 TOO MANY ACCOUNTS RECENTLY ALERT APPLICANT OFAC: CLEAR MARISOL TESTCASE YOB: 98 EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS OTHERWISE INDICATED Request New Tradeline OPEN ACCOUNTS CITI ACCT4 MTG 36 3/5 3/4 $23 $2 $975 $ /5 ECOA KEY: B=BORROWER; C=COBORROWER; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S=COSIGNER ADVANTAGE CREDIT: 3265 CASTLE COURT SUITE 3, EVERGREEN, CO 8439 (P) (F) complies with the provisions of Public Law 958, the Fair Credit Reporting Act. Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA Page /5

2 SEND TO: Evergreen Credit A 99 REQUESTED BY: HAPPY DAZE FILE #: CASTLE COURT, EVERGREEN, CO 8439 DATE: 3/9/25 REF. #: REPOSITORIES: Request New Tradeline OPEN ACCOUNTS 2 USAA FEDERAL SAVINGS ACCT6 AUTO 69 2/5 6/4 $326 $28626 $533 $ /4 3 CHASE ACCT2 MIN 3/5 8/4 $4 $228 $ $ /5 4 GEMB/JCP ACCT7 3/5 2/ $5 $ $ $ /3 DEROGATORY ACCOUNTS GTE SOUTHWEST INC ACCT5 OTHE 2/5 8/4 $5 $75 $ CHARGE OFF 2/5 UTILITY COMPANY 2 HSBC/MCRAE ACCT 3/5 6/ $9 $ $ $ CUR WAS 3 /4 CLOSED ACCOUNTS NBGLMCRAES ACCT3 4/5 6/ $9 $45 $25 $ /5 2 DISCOVER FIN SVS LLC ACCT3 3/5 4/2 $75 $ $ $ PAID 3/4 ACCOUNT CLOSED AT CONSUMER'S REQUEST 3 TOYOTA MOTOR CREDIT ACCT2 AUTO 72 7/4 6/4 $3973 $ $ $ PAID 7/4 OTHER CREDIT HISTORY *** NONE *** ECOA KEY: B=BORROWER; C=COBORROWER; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S=COSIGNER ADVANTAGE CREDIT: 3265 CASTLE COURT SUITE 3, EVERGREEN, CO 8439 (P) (F) complies with the provisions of Public Law 958, the Fair Credit Reporting Act. Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA Page 2/5

3 SEND TO: Evergreen Credit A 99 REQUESTED BY: HAPPY DAZE FILE #: CASTLE COURT, EVERGREEN, CO 8439 DATE: 3/9/25 REF. #: REPOSITORIES: PUBLIC RECORDS / J HOWDY HIGH COURT Docket #: ABC FILE DATE 3/ PLAINTIFF CLUSTER TIGHT INC AMOUNT $2, INQUIRIES (LAST 2 DAYS) STATUS DATE /2 SATISFIED ACTION TYPE CHAPTER BANKRUPTCY WHOSE COMPANY BUSINESS TYPE INQUIRY DATE BUREAU B FISERV CREDSTAR FINANCE 3/4/5 XP/EF B CHASE CREDIT REAL ESTATE 3/4/5 TU B MBNA BANKING 3/8/5 XP B CITI BANKING 2/6/5 TU TRADE SUMMARY TYPE COUNT HIGH CREDIT S MORTGAGE $2 $23 $975 $ AUTO 2 $28626 $326 $533 $ EDUCATION $ $ $ $ OTHER INSTALLMENT $ $ $ $ OPEN $ $ $ $ OLVING 5 $678 $63 $35 $ OTHER $75 $5 $ $75 TOTAL 9 $49379 $ $543 $75 SECURED DEBT $28626 OLDEST TRADELINE 6/ UNSECURED DEBT $2753 DEBT/HIGH CREDIT 56% DEROGATORY SUMMARY CHARGE OFFS: 3 DAYS: 2 INQUIRIES: 4 COLLECTIONS: 6 DAYS: MOST RECENT LATE: undetermined BANKRUPTCY: 9 DAYS: PUBLIC RECORDS: OTHER: ECOA KEY: B=BORROWER; C=COBORROWER; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S=COSIGNER ADVANTAGE CREDIT: 3265 CASTLE COURT SUITE 3, EVERGREEN, CO 8439 (P) (F) complies with the provisions of Public Law 958, the Fair Credit Reporting Act. Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA Page 3/5

4 SEND TO: Evergreen Credit A 99 REQUESTED BY: HAPPY DAZE FILE #: CASTLE COURT, EVERGREEN, CO 8439 DATE: 3/9/25 REF. #: REPOSITORIES: MORTGAGE SUMMARY TYPE APPLICANT COAPPLICANT # OF 3 DAY MTG DELINQ # OF 6 DAY MTG DELINQ # OF 9 DAY MTG DELINQ # OF INQUIRIES 4 TRADELINE COUNT 9 MISCELLANEOUS INFORMATION Instant View Password: BE35494 To verify the authenticity of this credit report, please visit and click on the Instant View link. Enter report number and password BE35494 to view the report. For any inquiries regarding this report or services provided by ADVANTAGE CREDIT please contact us at EXPERIAN PULLED ON: 3/9/5 OF INFORMATION MARISOL TESTCASE N/A TESTCASE MARISOL N/A N/A N/A 22 LOCUST AVE, ANTHILL, MO /4 3/5 744 S JAMACHA RD, ANTHILL, MO /5 Employer Occupation Reported US AIR FORCE 7/4 2 TRANSUNION PULLED ON: 3/9/5 INFILE DATE: 6// MARISOL L TESTCASE N/A N/A 5/27/8 N/A N/A 22 LOCUST AV, ANTHILL, MO /4* 744 S JAMACHA RD, ANTHILL, MO /4 Phone Type Reported 5552 RESIDENCE Employer Occupation Reported FLETCHER MOTORCARS CAR SALES 3 EQUIFAX PULLED ON: 3/9/5 INFILE DATE: 6/3/ MARISOL LEMUS TESTCASE 5/27/8 N/A N/A ECOA KEY: B=BORROWER; C=COBORROWER; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S=COSIGNER ADVANTAGE CREDIT: 3265 CASTLE COURT SUITE 3, EVERGREEN, CO 8439 (P) (F) complies with the provisions of Public Law 958, the Fair Credit Reporting Act. Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA Page 4/5

5 SEND TO: Evergreen Credit A 99 REQUESTED BY: HAPPY DAZE FILE #: CASTLE COURT, EVERGREEN, CO 8439 DATE: 3/9/25 REF. #: REPOSITORIES: OF INFORMATION 22 LOCUST AVE, ANTHILL, MO /4* 744 S JAMACHA RD, ANTHILL, MO / CREDITORS SUBSCRIBER NAME ADDRESS PHONE ANB/CITIBANK SD P O BOX 5687, WILMINGTON, DE BANK OF AMERICA POB 754, WILMINGTON, DE BANK ONE BANK ONE CARD SERV, WESTERVILLE OH CATO CORPORATION PO BOX 3426, CHARLOTTE, NC CHASE 8 BROOKSEDGE BLVD, WESTERVILLE, OH CITI CARDS CBSDNA POB 624, SIOUX FALLS, SD DISCOVER FINANCIAL S PO BOX536, ATT:CMS/PROD DEVELOP, WILMINGTON, DE GE CONSUMER FINANCE/JCPENNEY PO BOX 98426, EL PASO, TX GEMB/JCP PO BOX 984, EL PASO, TX HB/MCRAES 3455 HWY 8 W, JACKSON, MS M.B.N.A AMER 4 CHRISTIANIA ROAD, NEWARK, DE MBGA/JCPENEY P.O. BOX 2757, ALBUQUERQUE NM 8725 NBGLMCRAES P O BOX 327, JACKSON, MS NBGLMCRAES CREDIT DEP PO BOX 327, JACKSON, MS USAA FEDERAL SAVINGS B PO BOX 4754, SAN ANTONIO, TX DISCLAIMER An asterisk (*) following the payment amount indicates the repositories have no payment data and that the amount was automatically calculated as a percentage of the account balance. This is a report containing information supplied by the repositories listed above. The merge process is automated and the report may include some duplications and/or omissions. Inquiries regarding any disputed items should be directed to the creditor reporting the item, or to the appropriate repository service center(s) listed below. EXPERIAN TRANSUNION EQUIFAX PO BOX 22 PO BOX PO BOX 7424 ALLEN, TX 753 CHESTER, PA 922 ATLANTA, GA transunion.com/myoptions ECOA KEY: B=BORROWER; C=COBORROWER; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S=COSIGNER ADVANTAGE CREDIT: 3265 CASTLE COURT SUITE 3, EVERGREEN, CO 8439 (P) (F) complies with the provisions of Public Law 958, the Fair Credit Reporting Act. Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA Page 5/5 *** END OF REPORT 3/26/25 6:4:6 AM ***

MERGED INFILE CREDIT REPORT

MERGED INFILE CREDIT REPORT PREPARED FOR 1 -, CA 12345 MERGED INFILE CREDIT REPORT ORDERED 07/02/2003 REPOSITORIES PRPD' BY PRICE 00 LOAN TYPE REF # SAMPLE FILE CONSUMER, JONATHON CONSUMER, BETTY CURRENT ADDRESS 9999 MAKE BELIEVE

More information

CONSUMER EXPLANATION LETTER

CONSUMER EXPLANATION LETTER Explanation Letter ADVANTAGE CREDIT ONLINE SHOW ALL English CONSUMER EXPLANATION LETTER FILE #: 8328 CREDIT REPORT PROVIDED BY: REFERENCE #: TESTCASE DAVID ADVANTAGE CREDIT APPLICANT: TESTCASE, SUSIE 3265

More information

Credco Instant Merge Credit Report

Credco Instant Merge Credit Report 2 Credco Instant Merge Credit Report Ref#: 74504 05/26/205 Upgrade TID#: 74504 05/26/205 2:38:43 Prepared For: Prepared By: INSTANT MERGE Client Loan # :42234B CoreLogic Credco SAMPLE RPEORT Account #

More information

The. Path. Credit. www.totalmortgage.com October 2012. totalmortgage.com 877-868-2503 1

The. Path. Credit. www.totalmortgage.com October 2012. totalmortgage.com 877-868-2503 1 The Path Credit www.totalmortgage.com October 2012 totalmortgage.com 877-868-2503 1 The Path Credit Understanding your credit is an essential skill in modern American life. Credit is a tool you can use

More information

CBCInnovis Infile Credit Report Reference Guide

CBCInnovis Infile Credit Report Reference Guide 1 2 3 4 5 6 6 7 7 8 A A A B C C C 9 D E F G H I J K 10 11 1 1 2 3 4 5 6 7 8 9 PROCESSING CENTER CONTACT INFORMATION: Please contact the Processing Center if you have any questions regarding a CBCInnovis

More information

Your Credit Score and the Price You Pay for Credit

Your Credit Score and the Price You Pay for Credit SIMPSONS MORTGAGE 724 EVER GREEN TERR SPRINGFIELD, MA 01002 4063334444 REPORT #: 38918 RETURN SERVICE REQUESTED DAVE TESTCASE 5359 FRIDAY STREET ANTHILL, MO 65488 Your Credit Score and the Price You Pay

More information

Report #: 74186 Request Date: 01/14/2015. Applicant: Nickie Green Experian Equifax TransUnion. Current Score [ 732 ] 734 730

Report #: 74186 Request Date: 01/14/2015. Applicant: Nickie Green Experian Equifax TransUnion. Current Score [ 732 ] 734 730 Report #: 74186 Request : 01/14/2015 Applicant: Nickie Green Experian Equifax TransUnion Current Score [ 732 ] 734 730 Potential Improvement* +20 +4 +8 Potential New Score 752 738 738 order report for

More information

Ordered Released Reissued Repositories Requested 03/25/2014 03/25/2014 TransUnion, Experian, Equifax

Ordered Released Reissued Repositories Requested 03/25/2014 03/25/2014 TransUnion, Experian, Equifax 600 Saw Mill Road 800-530-8008 Fax: 203-931-2055 Consumer Inquiry: 401-781-7770 AVANTUS LLC SAMPLE CUSTOMER 600 Saw Mill Rd Ordered Released Reissued Repositories Requested 03/25/2014 03/25/2014 TransUnion,

More information

3/17/13 Credit Report

3/17/13 Credit Report Print Report Sarah Palin 1-Bureau Credit Report Personal Information Personal information including your name, address, and place of employment is used to identify you. Previous addresses and places of

More information

Credit report review checklist

Credit report review checklist Credit report review checklist Once you get your credit report, you will want to review it carefully. Ordering it is not enough you have to read it. Credit reports may have mistakes. And if there are mistakes,

More information

How To Check Your Credit Report For Not Credit History

How To Check Your Credit Report For Not Credit History Your Credit Report P.O. Box 15128 Spokane Valley, WA 99215 800.852.5316 www.hzcu.org You may not think about them every day, but your credit report and the three little digits that make up your credit

More information

MERGED INFILE CREDIT REPORT

MERGED INFILE CREDIT REPORT https://ucsmeridianlinkcom/shared/reports/print_htmaspx?reporttype=prq&orderid=3427708 TRANSUNIN/FIC CLASSIC (98) MARISL L TSTCAS 000000001 SCR: 741 014 LNGTH F TIM ACCUNTS HAV BN STABLISHD 012 LNGTH F

More information

Your Credit Report. 595 Market Street, 16th Floor San Francisco, CA 94105 888.456.2227 www.balancepro.net

Your Credit Report. 595 Market Street, 16th Floor San Francisco, CA 94105 888.456.2227 www.balancepro.net Your Credit Report 750. 670. 620. 575. You may not think about them every day, but your credit reports and the three little digits that make up your credit score probably influence your life in many ways.

More information

Your Credit Report. 595 Market Street, 16th Floor San Francisco, CA 94105 888.456.2227 www.balancepro.net

Your Credit Report. 595 Market Street, 16th Floor San Francisco, CA 94105 888.456.2227 www.balancepro.net Your Credit Report 750. 670. 620. 575. You may not think about them every day, but your credit report and the three little digits that make up your credit score probably influence your life in many ways.

More information

7 All Other Accounts 2 $0 $0 $0 1 1 0 0 0 0 Total 17 $77,407 $0 Accounts In Dispute: 1

7 All Other Accounts 2 $0 $0 $0 1 1 0 0 0 0 Total 17 $77,407 $0 Accounts In Dispute: 1 2 Credco Instant Merge Credit Report Ref#: -74-594- 4/4/26 Upgrade TID#: -74-594 4/4/26 2:38:43 Prepared For: Prepared By: INSTANT MERGE Client Loan # :42-234B CoreLogic Credco SAMPLE RPEORT Account #

More information

CREDIT REPORTS WHAT EVERY CONSUMER SHOULD KNOW ABOUT MORTGAGE EQUITY P A R T N E R S

CREDIT REPORTS WHAT EVERY CONSUMER SHOULD KNOW ABOUT MORTGAGE EQUITY P A R T N E R S F WHAT EVERY CONSUMER SHOULD KNOW ABOUT CREDIT REPORTS MORTGAGE EQUITY P A R T N E R S Your Leaders in Lending B The information contained herein is for informational purposes only. The algorithymes and

More information

Topic 3 Credit Report

Topic 3 Credit Report Topic 3 Credit Report Questions to Think About: What are the different types of credit and why is credit important? What are its advantages and disadvantages? What is a credit report? How do you read it

More information

TABLE OF CONTENTS. CHAPTER 1: Credit Report.. Page 1. CHAPTER 2: Credit Score...Page 3. CHAPTER 3: Credit Reporting Agencies.

TABLE OF CONTENTS. CHAPTER 1: Credit Report.. Page 1. CHAPTER 2: Credit Score...Page 3. CHAPTER 3: Credit Reporting Agencies. TABLE OF CONTENTS CHAPTER 1: Credit Report.. Page 1 CHAPTER 2: Credit Score.....Page 3 CHAPTER 3: Credit Reporting Agencies.Page 6 CHAPTER 4: How to get a FREE Credit Report Page 8 CHAPTER 5: The 4 th

More information

Trans Union Credit Report Tutorial

Trans Union Credit Report Tutorial 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

More information

Credit Report The single most important document for protection against identity theft.

Credit Report The single most important document for protection against identity theft. Understanding your Credit Report The single most important document for protection against identity theft. What to do if you spot errors A recent study shows that 79 percent of credit reports contained

More information

Understanding a Credit Report! April 21, 2011. New York City Department of Consumer Affairs. All rights reserved.

Understanding a Credit Report! April 21, 2011. New York City Department of Consumer Affairs. All rights reserved. Understanding a Credit Report! Questions to Think About What are the different types of credit and why is credit important? What is a credit report? How does credit impact future financial goals? 3 What

More information

AAA CREDIT SCREENING SERVICES, LLC 17041 EL CAMINO REAL HOUSTON, TX 77058 Phone: (888) 282-0447 Fax: (888) 286-7128

AAA CREDIT SCREENING SERVICES, LLC 17041 EL CAMINO REAL HOUSTON, TX 77058 Phone: (888) 282-0447 Fax: (888) 286-7128 about:blank EXAMPLE TRANS UNION CREDIT REPORT Page 1 of 6 2/18/2010 AAA CREDIT SCREENING SERVICES, LLC 17041 EL CAMINO REAL HOUSTON, TX 77058 Phone: (888) 282-0447 Fax: (888) 286-7128 File No: 38238118

More information

Credit Report - What it is and How to Get it

Credit Report - What it is and How to Get it FCS7232 YOU and YOUR CREDIT: Credit Reports 1 Michael S. Gutter, Joan P. Elmore, and Travis P. Mountain 2 Credit Report Basics Whether or not you are considering making a major financial move, it s a good

More information

Reviewing C Your Credit Report

Reviewing C Your Credit Report chapter 2 Reviewing C Your Credit Report What do your creditors have to say about the way you handle money? Having a good credit score can help you turn your home-buying dream into a reality. There s much

More information

569 601 +32 ACCOUNT SUMMARY

569 601 +32 ACCOUNT SUMMARY 11132 Winners Circle Ste 207 Los Alamitos, CA 90720 www.asuitesolution.com Tel: (877) 311-1234 Fax: (877) 388-1234 Email: orders@ocredit.com ONLINE CREDIT REPORTING CORPORATION DEBTOR INFORMATION Debtor:

More information

TransUnion Credit Report Training Guide

TransUnion Credit Report Training Guide TransUnion Credit Report Training Guide Sample TransUnion Credit Report 1 1A GOi duncan,elizabeth*2 9932,woodbine,chicago,il,60068*3 555,e,jackson,st,cleveland,oh,44123*5 002-02-2222** TRANSUNION CREDIT

More information

Red Flag Compliance. Red Flag Indicators: Results: Identity Theft Worksheet SAMPLE

Red Flag Compliance. Red Flag Indicators: Results: Identity Theft Worksheet SAMPLE Red Flag Compliance Pursuant to your company's Identity Theft Protection Program, the following Red Flag indicators shown below may necessitate further required action(s). PAGE 1 Red Flag Indicators: Results:

More information

Understanding Credit Reports & Credit Scores

Understanding Credit Reports & Credit Scores Understanding Credit Reports & Credit Scores April 2015 2012 Genworth Financial, Inc. All rights reserved. Overview & Course Objectives Credit Reports & Scoring Credit Reports & Scoring is designed to

More information

Financial payment profile Fair Isaac Corporation (FICO) 300 to 850 the higher, the better

Financial payment profile Fair Isaac Corporation (FICO) 300 to 850 the higher, the better What is a credit score? Financial payment profile Fair Isaac Corporation (FICO) 300 to 850 the higher, the better National distribution of FICO scores What a low score could cost you? Tens of thousands

More information

UNDERSTANDING YOUR CREDIT REPORT (Part 1) By Bill Taylor

UNDERSTANDING YOUR CREDIT REPORT (Part 1) By Bill Taylor UNDERSTANDING YOUR CREDIT REPORT (Part 1) By Bill Taylor Most studies about consumer debt have only focused on credit cards and mortgages. However, personal debt also may include medical expenses, school

More information

USER GUIDE. TransUnion Credit Report User Guide

USER GUIDE. TransUnion Credit Report User Guide USER GUIDE TransUnion Credit Report User Guide Table of Contents Introduction to the Credit Report User Guide....3 Sample credit report (print image format)...4 Credit report codes...5 Credit report fields....6

More information

Your Credit Repair Solution

Your Credit Repair Solution Your Credit Repair Solution Introduction Your Credit Report Solution will help you understand that there is help available for fixing your credit. Even though you might feel as though you are alone and

More information

UNDERSTANDING YOUR CREDIT REPORT. Understanding Your Credit Report Page 1

UNDERSTANDING YOUR CREDIT REPORT. Understanding Your Credit Report Page 1 UNDERSTANDING YOUR CREDIT REPORT Understanding Your Credit Report Page 1 SO YOU RE ABOUT TO APPLY FOR CREDIT, THE FIRST THING YOU LL WANT TO GET IS YOUR CREDIT REPORT FOR REVIEW ESPECIALLY FOR SOMETHING

More information

to Know About Credit, but Were Afraid to Ask

to Know About Credit, but Were Afraid to Ask Everything You Ever Wanted to Know About Credit, but Were Afraid to Ask What is Credit? Confidence in a purchaser's s ability and intention to pay, displayed by entrusting the buyer with goods or services

More information

TransUnion Enhanced Credit Report User Guide UNITED STATES

TransUnion Enhanced Credit Report User Guide UNITED STATES TransUnion Enhanced Credit Report User Guide UNITED STATES Introduction to the Credit Report User Guide Thousands of companies around the world depend on TransUnion Credit Reports for the consumer insight

More information

Credit Score Management Seminar. Manage, protect and improve your Credit Score!

Credit Score Management Seminar. Manage, protect and improve your Credit Score! Credit Score Management Seminar Manage, protect and improve your Credit Score! Overview What is a Credit Score How Lenders Use Your Credit Score How Your Credit Score Impacts You What Makes Up Your Credit

More information

All About Credit Reports from A to Z

All About Credit Reports from A to Z All About Credit Reports from A to Z Adverse Action Notice A notice that you have been denied credit, employment, insurance, or other benefits based on information in a credit report. The notice should

More information

Your Credit Report. Trade lines. The bulk of a credit report is dedicated to your history of handling credit. It includes:

Your Credit Report. Trade lines. The bulk of a credit report is dedicated to your history of handling credit. It includes: Your Credit Report The three major credit bureaus in the United States are Experian, TransUnion, and Equifax. These companies acquire data from banks, credit unions, mortgage lenders, and retail establishments.

More information

PA HealthCare Credit Union. The Credit Clinic. The PA HealthCare Credit Union contributes to the financial success of our members.

PA HealthCare Credit Union. The Credit Clinic. The PA HealthCare Credit Union contributes to the financial success of our members. PA HealthCare Credit Union The Credit Clinic The PA HealthCare Credit Union contributes to the financial success of our members. 1 Copyright 2006 Agenda Welcome & Introduction Overview Product Rate Credit

More information

Managing Your Credit Report and Scores. Apprisen. 800.355.2227 www.apprisen.com

Managing Your Credit Report and Scores. Apprisen. 800.355.2227 www.apprisen.com Managing Your Credit Report and Scores Apprisen 800.355.2227 www.apprisen.com Managing Your Credit Report and Scores Your credit score is one of the most important aspects of your personal finances. From

More information

BalanceTrack. The World of Credit Reports

BalanceTrack. The World of Credit Reports BalanceTrack The World of Credit Reports Credit reports and credit scores influence our lives in many ways. Your history of credit management can affect the cost of the credit you receive, your ability

More information

Accounts Total Number Balance Available

Accounts Total Number Balance Available Equifax Credit Report for Kimberly Guzman As of: 03/20/2008 Available until: 04/20/2008 Confirmation #: 123456789 Section Title Section Description 1. Credit Summary Summary of account activity 2. Account

More information

TransUnion Enhanced Credit Report User Guide UNITED STATES

TransUnion Enhanced Credit Report User Guide UNITED STATES TransUnion Enhanced Credit Report User Guide UNITED STATES Introduction to the Enhanced Credit Report User Guide Thousands of companies around the world depend on TransUnion Credit Reports for the consumer

More information

How to Analyze a Credit Report. Credit Scores and Scoring Factors: Why the score is what it is

How to Analyze a Credit Report. Credit Scores and Scoring Factors: Why the score is what it is How to Analyze a Credit Report All credit reports contain the following information but presented in various formats. Learn how and where to look for vital information that will help the customer. I.D.

More information

OHIO S IDENTITY THEFT VICTIM ASSISTANCE KIT A guide for victims of identity theft, detailing what to do and who to contact.

OHIO S IDENTITY THEFT VICTIM ASSISTANCE KIT A guide for victims of identity theft, detailing what to do and who to contact. OHIO S IDENTITY THEFT VICTIM ASSISTANCE KIT A guide for victims of identity theft, detailing what to do and who to contact. Identity theft has become one of the fastest growing crimes in the United States.

More information

Credit Reports & Credit Scores

Credit Reports & Credit Scores Credit Reports & Credit Scores Reviewing: Information that is and isn t in your credit report. What information determines your credit score. Tips to improve your credit score. What s In Your Credit Report

More information

Credit Profile Report

Credit Profile Report Credit Profile Report Unsurpassed data precision and file coverage The best decisions begin with the best information. The Credit Profile Report from Experian offers unparalleled accuracy and superior

More information

Credit Reports. Colorado Bureau of Investigation Identity Theft & Fraud Unit

Credit Reports. Colorado Bureau of Investigation Identity Theft & Fraud Unit Checking your credit reports annually is a great way to detect Financial. Early detection is important and will allow you to report and repair the damage quickly. By following a few simple steps, you will

More information

TransUnion Credit Report User Guide UNITED STATES

TransUnion Credit Report User Guide UNITED STATES TransUnion Credit Report User Guide UNITED STATES Introduction to the Credit Report User Guide Thousands of companies around the world depend on TransUnion Credit Reports for the consumer insight they

More information

EZ Read Credit Report summary

EZ Read Credit Report summary AMSties provides full service credit reports that include our trademark EZ Read Credit Report summary. For everyone that doesn t spend everyday reading credit reports the EZ Read Credit Report Summary

More information

Your Credit Report What It Says about You

Your Credit Report What It Says about You Your Credit Report Your Credit Report What It Says about You Most people finance their homes with mortgages and pay for their cars with loans. Young people often obtain loans to pay for college. And, of

More information

Make the most of your credit score

Make the most of your credit score Make the most of your credit score Consolidated Credit 5701 West Sunrise Boulevard Fort Lauderdale, FL 33313 1-800-210-3481 www.consolidatedcredit.org Congratulations on taking this important step to learn

More information

Understanding your Credit Score

Understanding your Credit Score Understanding your Credit Score Understanding Your Credit Score Fair, Isaac and Co. is the San Rafael, California Company founded in 1956 by Bill Fair and Earl Isaac. They pioneered the field of credit

More information

Dispute Kit CREDIT REPORT. CULIK LAW PC (617) 830 1795 culiklaw.com

Dispute Kit CREDIT REPORT. CULIK LAW PC (617) 830 1795 culiklaw.com CREDIT REPORT Dispute Kit If you believe your credit report is inaccurate and need to dispute reported items, follow these steps to insure your rights are protected under the Fair Credit Reporting Act

More information

Using Your Free Credit Report

Using Your Free Credit Report Using Your Free Credit Report 5 minutes 3 times per year 2/2, 6/6, 10/10 http://fyi.uwex.edu/creditreport/ Logging In State of residence Past address if < 2 years Image with letters: e.g. LGHA7Y All CAPs

More information

Office of Privacy Protection Safeguarding Information for Your Future

Office of Privacy Protection Safeguarding Information for Your Future W I S C O N S I N Office of Privacy Protection Safeguarding Information for Your Future Credit report security freeze Wisconsin consumers have the right to place a security freeze on their credit reports.

More information

Credit. 3.3-A General Requirements_. 3.3-B Credit Analysis. Section 3.3: Credit

Credit. 3.3-A General Requirements_. 3.3-B Credit Analysis. Section 3.3: Credit Credit 3.3-A General Requirements_ Obtain at least one, preferably two or three, credit scores for each borrower; all available scores must be obtained. The scores must be obtained from all major repositories

More information

what every insurance agent needs to know about credit-based insurance scores

what every insurance agent needs to know about credit-based insurance scores what every insurance agent needs to know about credit-based insurance scores What every insurance agent needs to know about credit-based insurance scores... Insurance agents have the complex job of being

More information

Make The Most Of Your Credit Score. Understand How Your Credit Score Works and How You Can Use Your Score to Your Financial Advantage

Make The Most Of Your Credit Score. Understand How Your Credit Score Works and How You Can Use Your Score to Your Financial Advantage Make The Most Of Your Credit Score Understand How Your Credit Score Works and How You Can Use Your Score to Your Financial Advantage What s the Score? Put simply a credit score is a number used to predict

More information

How to Read an Equifax Credit Report

How to Read an Equifax Credit Report How to Read an Equifax Credit Report June 2014 CONFIDENTIAL & PROPRIETARY The recipient of this material (hereinafter "the Material") acknowledges that it contains confidential and proprietary data the

More information

www.olsonadvisory.net Credit Repair Kit

www.olsonadvisory.net Credit Repair Kit www.olsonadvisory.net Credit Rating Credit Scores Clearing Credit Mistakes Registering a Dispute Clearing Open Collection Accounts Sample Letters Credit Repair Kit Re-Aging Accounts Building Credit Letters

More information

The West Virginia State Treasurer s Office. A free publication provided by

The West Virginia State Treasurer s Office. A free publication provided by YOUR CREDIT SCORE A free publication provided by The West Virginia State Treasurer s Office Visit www.wvtreasury.com or Call 1.800.422.7498 From the Office of West Virginia State Treasurer, John D. Perdue

More information

SPOKANE Police Department Identity Theft Victim Packet

SPOKANE Police Department Identity Theft Victim Packet SPOKANE Police Department Identity Theft Victim Packet This packet should be completed after you have reported the theft of your identity to local law enforcement. The report can be filed with the Spokane

More information

Lesson 11 Take Control of Debt: Are You Credit Worthy? Check Your Credit Report

Lesson 11 Take Control of Debt: Are You Credit Worthy? Check Your Credit Report Lesson 11 Take Control of Debt: Are You Credit Worthy? Check Your Credit Report Lesson Description Students take on the role of lender in the introduction to this lesson as they consider the information

More information

Overview of Credit Scoring

Overview of Credit Scoring Overview of Credit Scoring Page 19 of 134 Overview of Credit Scoring This session will focus on providing you with both information about this topic as well as new ideas and activities for making this

More information

Do You Know. Your Credit Rights? Federal Reserve Bank of Philadelphia

Do You Know. Your Credit Rights? Federal Reserve Bank of Philadelphia Do You Know Your Credit Rights? Federal Reserve Bank of Philadelphia 1 C redit can play an important role in your daily life. For example, you may use a credit card to make purchases, or you may obtain

More information

Financial Empowerment Curriculum Moving Ahead Through Financial Management. Workshop Credit Overview

Financial Empowerment Curriculum Moving Ahead Through Financial Management. Workshop Credit Overview Financial Empowerment Curriculum Moving Ahead Through Financial Management Workshop Credit Overview 1 Workshop Objectives Explain why credit is important. Access and read a copy of your credit report.

More information

YOUR CREDIT SCORE. Payment History - 35%

YOUR CREDIT SCORE. Payment History - 35% YOUR REDIT SORE Many of our clients are concerned about their ability to obtain credit in the future. There are several issues related to those concerns. redit reporting agencies (Experian, Equifax, and

More information

Welcome Credit Scores & Debt Management

Welcome Credit Scores & Debt Management Welcome Credit Scores & Debt Management Agenda Budget Management Debt Management Credit Scores Debt Management Plans The Economic Environment Housing market Rising credit card interest rates Increasing

More information

Secrets of the Credit Score UCCS Employee Seminar 10/21/2014

Secrets of the Credit Score UCCS Employee Seminar 10/21/2014 Secrets of the Credit Score UCCS Employee Seminar 10/21/2014 Schuyler (Skip) Wells, Ent Federal Credit Union Question!! What do credit reports, the number of and use of credit cards, inquiries, credit

More information

How to Use Credit. Latino Community Credit Union & Latino Community Development Center

How to Use Credit. Latino Community Credit Union & Latino Community Development Center How to Use Credit Latino Community Credit Union & Latino Community Development Center How to Use Credit Latino Community Credit Union & the Latino Community Development Center www.latinoccu.org Copyright

More information

Do It Yourself Credit Repair

Do It Yourself Credit Repair Do It Yourself Credit Repair Repairing your own credit is important not only to purchase a home. Credit is pulled when you apply for credit, apply for insurance, and apply for a job. Before You Get Started

More information

Checking and Clearing Credit History for Young People

Checking and Clearing Credit History for Young People Checking and Clearing Credit History for Young People The Child and Family Services Improvement and Innovation Act of 2011 requires each youth age 16 and older in foster care to receive each year until

More information

How to Check Your Credit Report

How to Check Your Credit Report How to Check Your Credit Report year. It s important to check your credit report at least once a year. There are three major credit bureaus (officially called credit reporting agencies): Equifax, Experian,

More information

Credit Reports and Identity Theft

Credit Reports and Identity Theft Credit Reports and Identity Theft Information in this packet concerning credit reports was gathered from the Consumer Financial Protection Bureau and can be found at www.consumerfinance.gov. Information

More information

How to read a CBCWeb Credit Report

How to read a CBCWeb Credit Report How to read a Web redit Report 1 2 4 3 5 6 7 1. ureau ddress. 2. ureau phone and fax numbers. 3. The header identifies what type the report is, such as Infile, Full Report or Decision reports. 4. Prepared

More information

TransUnion Credit Report. Training Guide

TransUnion Credit Report. Training Guide TransUnion Credit Report Training Guide Sample TransUnion Credit Report 1 1A This sample report is intended for education purposes. 2 2A 2B 2C The actual Credit Report you receive will be customized to

More information

Gray 10% = New Credit Blue 10% = Type of Credit Used Gold 15 % = Length of Credit History Green 30% = Amount Owed Brown 35% = Payment History

Gray 10% = New Credit Blue 10% = Type of Credit Used Gold 15 % = Length of Credit History Green 30% = Amount Owed Brown 35% = Payment History UCREDIT SCORE UWhat is a Credit Score? Rating used to predict the risk a lender assumes in granting you credit How likely you are to make your payments on time in the next two to three years Based on a

More information

Credit Repair Personal injuries can destroy credit. Learn all about your credit score & how to repair it. Ross A. Jurewitz JUREWITZ LAW GROUP

Credit Repair Personal injuries can destroy credit. Learn all about your credit score & how to repair it. Ross A. Jurewitz JUREWITZ LAW GROUP Credit Repair Personal injuries can destroy credit. Learn all about your credit score & how to repair it. Ross A. Jurewitz JUREWITZ LAW GROUP DISCLAIMER THIS IS NOT LEGAL ADVICE. This is not financial

More information

HIGH CREDIT OR LIMIT BALANCE $230000 MTG $120000 360 $975 $28626 069 $533 $31206 AUTO $4000 REV $228 MIN $10

HIGH CREDIT OR LIMIT BALANCE $230000 MTG $120000 360 $975 $28626 069 $533 $31206 AUTO $4000 REV $228 MIN $10 32065 TL URT UIT 300, VRGRN, 80439 Phone: 3036707993 Fax: 3036708067 MRGD INFIL RDIT RPRT Reporting ureau certifies compliance contractual requirements governing check of public records with these results.

More information

Credit Unit. 4-1 Introduction to Credit 4-2 Loans 4-3 Loan Calculations & Regression 4-4 Credit Cards 4-5 Credit Card Statements

Credit Unit. 4-1 Introduction to Credit 4-2 Loans 4-3 Loan Calculations & Regression 4-4 Credit Cards 4-5 Credit Card Statements Credit Unit 4-1 Introduction to Credit 4-2 Loans 4-3 Loan Calculations & Regression 4-4 Credit Cards 4-5 Credit Card Statements 4-1 The Basics Debtors purchasers who use credit Once you use credit, you

More information

Welcome First-Time Buyers

Welcome First-Time Buyers Welcome First-Time Buyers A Guide to Financing Your First Home Equal Housing Lender. Prospect Mortgage is located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403. Prospect Mortgage, LLC is a

More information

Understanding Credit. UMassFive College Federal Credit Union

Understanding Credit. UMassFive College Federal Credit Union Understanding Credit UMassFive College Federal Credit Union Objectives Understand the role of credit bureaus Discuss the importance of your credit report Review the components of a credit score Explain

More information

Credit Score Secrets Revealed

Credit Score Secrets Revealed Credit Score Secrets Revealed This Complementary Special Report was prepared by: 2 The Secrets Behind Your Credit Scores Your life is your credit. And your Credit Score is the key to everything. As important

More information

Phoenix Company Credit Repair Services (ver. 03.10)

Phoenix Company Credit Repair Services (ver. 03.10) Phoenix Company Credit Repair Services (ver. 03.10) Thank you for contacting us regarding your credit repair needs. If you have received this information without contacting us, your broker, loan officer,

More information

A summary of your financial reliability

A summary of your financial reliability A summary of your financial reliability Used by banks and other financial institutions, landlords, utility companies and insurance companies 3 major credit bureaus: Transunion, Equifax, Experian 1. Identifying

More information

How Creditors Evaluate My FICO Credit

How Creditors Evaluate My FICO Credit May 2009 Equal Credit Opportunity: Understanding Your Rights Under the Law People use credit to pay for education or a house, a remodeling job or a car, or to finance a loan to keep their business operating.

More information

What is a Credit Bureau?

What is a Credit Bureau? What is a Credit Bureau? A library of information 250 million credit reports 4.5 billion items updated monthly 3 repositories TRANS UNION EQUIFAX EXPERIAN What is a Credit Report? All Credit Reports are:

More information

The TransUnion Credit Report Training Guide

The TransUnion Credit Report Training Guide The TransUnion Credit Report Training Guide Credit Report TransUnion Credit Report Codes ECOA (Equal Credit Opportunity Act) Inquiry and Account Designators A Authorized user of shared account C Joint

More information

ARE YOU A VICTIM OF AN IDENTITY CRIME?

ARE YOU A VICTIM OF AN IDENTITY CRIME? RESOURCE KIT FOR VICTIMS OF IDENTITY CRIME ARE YOU A VICTIM OF AN IDENTITY CRIME? If someone is using your identifying information, (name, date of birth, social security number, etc.), you ARE a victim

More information

Credit Repair Made Easy

Credit Repair Made Easy Credit Repair Made Easy A simple self help guide to credit repair By Don Troiano Introduction My name is Don Troiano and I spent over 15 years in the mortgage industry. Knowing how to guide customers in

More information

Letter from the CEO. January 25, 2014. To Our Valued Michaels Customers:

Letter from the CEO. January 25, 2014. To Our Valued Michaels Customers: Letter from the CEO January 25, 2014 To Our Valued Michaels Customers: As you may have read in the news, data security attacks against retailers have become a major topic of concern. We recently learned

More information

REINVESTIGATION REQUEST INSTRUCTIONS

REINVESTIGATION REQUEST INSTRUCTIONS REQUESTING A REINVESTIGATION REINVESTIGATION REQUEST INSTRUCTIONS 1. To help expedite your reinvestigation request, you can complete and sign attached Form CRD-002 Reinvestigation Request, with legible

More information

Employee ID Theft Resource Guide

Employee ID Theft Resource Guide Employee ID Theft Resource Guide ID Theft Resolution Legal Resources ID Theft Assistance Updates www.legalresources.net ID Theft What is Identity Theft? Identity Theft is a serious crime in which someone

More information

FICO Score Factors Guide

FICO Score Factors Guide Key score factors explain the top factors that affected your FICO Score. The order in which your FICO Score factors are listed is important. The first indicates the area that most affected your FICO Score

More information

Solving The Mystery of Credit Reports

Solving The Mystery of Credit Reports Solving The Mystery of Credit Reports 800.456.4828 www.tinkerfcu.org Credit reports and credit scores are increasingly important to our lives. They affect the cost of credit we receive, where we live,

More information

Most frequently asked questions and the answers about free credit reports:

Most frequently asked questions and the answers about free credit reports: Free credit reports The Federal Fair Credit Reporting Act (FCRA) is enforced by the Federal Trade Commission (FTC) and requires each nationwide consumer reporting company to provide you with a free copy

More information

Credit Reports and Credit Scores:

Credit Reports and Credit Scores: Journey to Financial Security Credit Reports and Credit Scores: Getting the most mileage from credit R E F E R E N C E G U I D E Journey to Financial Security Credit Reports and Credit Scores: Getting

More information

CITY OF ROCHESTER, MINNESOTA POLICE DEPARTMENT

CITY OF ROCHESTER, MINNESOTA POLICE DEPARTMENT CITY OF ROCHESTER, MINNESOTA POLICE DEPARTMENT 101 4 TH Street Southeast Rochester, Minnesota 55904-3761 507-328-6800 Fax 507-328-6975 To: From: Subject: Identity Theft and Internet Crime Victims Rochester

More information

Investigation and Prosecution of Identity Theft

Investigation and Prosecution of Identity Theft Investigation and Prosecution of Identity Theft In an effort to assist you in dealing with problems related to Identity Theft, the Menomonee Falls Police Department has prepared this packet of information

More information