MERGED INFILE CREDIT REPORT

Transcription

1 PREPARED FOR 1 -, CA 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 STREET, VANCOUVER, WA LENGTH PIOUS ADDRESS LENGTH SCORE MODELS EQUIFAX/BEACON '96 - JONATHON CONSUMER SCORE: SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK OLVING OR OTHER OLVING ACCOUNTS TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN AMOUNT OWED ON DELINQUENT ACCOUNTS TRANSUNION/EMPIRICA - JONATHON CONSUMER SCORE: SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN NUMBER OF ACCOUNTS WITH DELINQUENCY PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK OLVING OR OTHER OLVING ACCOUNTS EXPERIAN/FAIR, ISAAC (VER 2) SCORE: SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED 13 - LENGTH OF TIME (OR UNKNOWN TIME) SINCE ACCOUNT DELINQUENT 18 - NUMBER OF ACCOUNTS DELINQUENT 21 - AMOUNT PAST DUE ON ACCOUNTS EQUIFAX/BEACON '96 - BETTY CONSUMER SCORE: SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED LACK OF RECENT BANK OLVING INFORMATION NUMBER OF ACCOUNTS WITH DELINQUENCY TRANSUNION/EMPIRICA - BETTY CONSUMER SCORE: SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN LEVEL OF DELINQUENCY ON ACCOUNTS PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK OLVING OR

2 PREPARED FOR 1 -, CA CONSUMER, JONATHON OTHER OLVING ACCOUNTS ORDERED 07/02/2003 REPOSITORIES PRPD' BY PRICE 00 LOAN TYPE REF # SAMPLE FILE CONSUMER, BETTY EXPERIAN/FAIR, ISAAC (VER 2) - BETTY CONSUMER SCORE: SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED 13 - LENGTH OF TIME (OR UNKNOWN TIME) SINCE ACCOUNT DELINQUENT 14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 18 - NUMBER OF ACCOUNTS DELINQUENT E C O A W H O S E CREDITOR OPENED REPORTED DLA CREDIT HIGH CREDIT OR LIMIT ACCT TYPE BALANCE TERMS PAST DUE MO STATUS SOURCE P J PRINCIPAL RESIDENTL /03 11/98 05/03 $ MTG Late Dates: 7/02-30, 6/02-30, 5/02-30, 4/02-30 VA REAL ESTATE LOAN C C PCTLO RR FCU 1CS0001 B B CAPITAL ONE BANK Late Dates: 6/03-30 C C MCCBG/OLDNAVY C11A Late Dates: 6/03-30 C C BENFCL/HFC CLOSED C C BON MHE/FDSB /03 09/00 05/03 06/03 10/02 05/03 06/03 12/01 11/02 06/00 01/99 03/00 06/03 06/92 08/00 $7837 AUTO $207 $500 $1000 INST $259 B B CAPITAL ONE BANK /01 03/00 06/01 $174 Late Dates: 6/01-60, 5/01-30 ACCOUNT CLOSED AT CONSUMER'S REQUEST B B CITIFINANCIAL /99 06/97 07/97 INSTALLMENT SALES CONTRACT $2650 INST $ $1093 $ $156 $236 MIN $15 $219 MIN $ CUR WAS AS AGREED $ DELINQ 30 $ DELINQ PAID AS AGREED PD WAS PAID

3 PREPARED FOR 1 -, CA CONSUMER, JONATHON J C FIRST SECURITY BANK /96 10/95 06/96 B B FIRST USA /99 10/96 10/98 Late Dates: 1/99-30, 12/98-30 ACCOUNT OR SOLD $7890 AUTO $1500 ORDERED 07/02/2003 REPOSITORIES PRPD' BY PRICE 00 LOAN TYPE REF # SAMPLE FILE CONSUMER, BETTY 060 B B FSB BANKCARD /00 04/97 12/98 $3587 ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST B B FST BANKCARD /96 06/93 03/95 ACCOUNT CLOSED BY CONSUMER $300 J C FUSA NA /02 08/94 10/98 $1784 Late Dates: NO LATES IN PAST 24 MONTHS ACCOUNTS CLOSED BY CREDIT GRANTOR B B HEILIG MEYERS /97 05/94 --/-- C C JCP--MCCBG /94 03/93 03/94 CREDIT CARD STOLEN OR LOST C C MBGA/JC PENNEY /03 12/01 03/02 $800 $500 C C MBNA AMERICA /02 01/00 10/00 $3500 ACCOUNT CLOSED BY CREDIT GRANTOR C C MBNA AMERICA BANK NA /02 01/00 10/00 $ PAID PD WAS PAID PAID PD WAS INACTIVE CRCDLOST TU AS AGREED PAID AS AGREED XP ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST; CHECK CREDIT OR LINE OF CREDIT B B MCDF/CBUSA /99 07/96 03/98 CLOSED; COMBINED CREDIT PLAN $2000 COLLECTION ACCOUNTS PAID

4 PREPARED FOR 1 -, CA CONSUMER, JONATHON E C O A W H O S E CREDITOR OPENED REPORTED DLA HIGH CREDIT OR LIMIT ACCT TYPE ORDERED 07/02/2003 REPOSITORIES PRPD' BY PRICE 00 LOAN TYPE REF # SAMPLE FILE CONSUMER, BETTY BALANCE TERMS PAST DUE MO STATUS SOURCE C C AFS /98 10/97 12/96 $4808 COLL $4808 UNK $4808 $ CHARGE OFF NO FORWARDING ADDRESS; ORIGINAL CREDITOR: FIRST SECURITY NEW LOANS C C 1ST SEC BK /00 03/95 11/96 $10030 AUTO Late Dates: NO LATES IN PAST 24 MONTHS CHARGED OFF ACCOUNT B B PALISADE COLLECTIONS AT T ORIGINAL CREDITOR: AT T B B AAFES Late Dates: 9/99-30 INCLUDED IN BANKRUPTCY B B ATTWSSEPCS Late Dates: 4/98-60 PAID CHARGE OFF 04/03 01/02 04/98 07/01 06/93 03/01 05/99 06/97 01/98 B B FST BANKCARD 08/99 10/ /99 INCLUDED IN BANKRUPTCY B B FST USA BK B 08/99 05/ /99 Late Dates: 2/99-30, 1/99-60, 12/98-30 INCLUDED IN BANKRUPTCY B B KEYBANK NA /03 05/98 04/00 $283 OPEN $2200 OPEN $1614 $5500 $9223 AUTO $ $381 $ $7* UNK OTHER CREDIT HISTORY *** NONE *** PUBLIC RECORDS I C SLC COUNTY File Date: 06/98 Plaintiff: AFS INC $ CHARGE OFF $ COLLECTION XP/EF BANKRUPTCY PAID CHGOFF BANKRUPTCY BANKRUPTCY BANKRUPTCY

5 PREPARED FOR 1 -, CA ORDERED 07/02/2003 REPOSITORIES PRPD' BY PRICE 00 LOAN TYPE REF # SAMPLE FILE CONSUMER, JONATHON CONSUMER, BETTY Docket #: Source: XP/TU Amount: $4,808 Status Date: 10/98 Action Type: JUDGMENT Status: RELEASED I B US BKPT CT UT SALT LAK Docket #: GEC Source: XP File Date: 04/99 Amount: - Status Date: 07/99 Plaintiff: Action Type: CHAPTER 7 BANKRUPTCY Status: DISCHARGED INQUIRIES (LAST 90 DAYS) XP 06/30/03 THE CREDIT NETWORK EF 06/30/03 PRCPLE RED XP 06/03/03 NORWEST MORTG/FHLMC SOURCE OF INFORMATION 1 EXPERIAN - PULLED ON: 07/02/03 NM: BETTY CONSUMER AD: 9999 MAKE BELIEVE ST, VANCOUVER, WA REPORTED 05/02 2 TRANSUNION - PULLED ON: - INFILE : 07/01/92 NM: BETTY CONSUMER SS: AD: 9999 MAKE BELIEVE ST, VANCOUVER, WA REPORTED 04/02 3 TRANSUNION - PULLED ON: 07/02/03 - INFILE : 04/01/93 NM: JONATHON CONSUMER SS: AD: 9999 MAKE BELIEVE, VANCOUVER, WA REPORTED 03/03 4 EXPERIAN - PULLED ON: 07/02/03 NM: JONATHON CONSUMER AD: 9999 MAKE BELIEVE ST, VANCOUVER, WA REPORTED 04/02 5 EQUIFAX - PULLED ON: 07/02/03 - INFILE : 07/19/92 NM: BETTY CONSUMER SS: AD: 9999 MAKE BELIEVE ST, VANCOUVER, WA EQUIFAX - PULLED ON: 07/02/03 - INFILE : 02/26/93 NM: JONATHON CONSUMER SS: AD: 9999 MAKE BELIEVE ST, VANCOUVER, WA CREDITORS 1ST NATIONWIDE AUTO AURORA AVE N, SEATTLE WA ASSOCIATED FINANCIAL 3839 S WEST TEMPLE, SALT LAKE CITY, UT AT& T WIRELESS SERVI 151 WYMORE ROAD, ALTAMONTE SPRINGS, FL BENFCL/HFC 961 WEIGEL DRIVE, ELMHURST IL MAIL ONLY

6 PREPARED FOR 1 -, CA CONSUMER, JONATHON ORDERED 07/02/2003 REPOSITORIES PRPD' BY PRICE 00 LOAN TYPE REF # SAMPLE FILE CONSUMER, BETTY CAP 1 BANK, MAIL ONLY FIRST USA 201 N WALNUT ST, WILMINGTON DE MAIL ONLY FIRST USA BANK, NA 201 N WALNUT ST, WILMINGTON, DE BYMAILONLY FUSA NA 900 N MARKET ST, WILMINGTON DE MAIL ONLY HEILIG MEYERS P O BOX C-90309, RICHMOND, VA HEILIG-MEYERS COMPAN 2235 STAPLES MILL RD, RICHMOND, VA LANDSAFE 6400 LEGACY DR PTX-87, PLANO, TX MBNA AMER PO BOX CHECKMATE P O BOX 16527, WILMINGTON DE MAIL ONLY MCCBG/ONAV, MAIL ONLY MCDUFF/HBS PO BOX 7038, SIOUX FALLS SD MAIL ONLY MERCURY 745 N NELLIS #E5, LAS VEGAS, NV MONT/WARD PO BOX CP9-CS1 SHAWNEE, MISSION KS MOUNTAINLAND COLLECT 483 W 50 NORTH, AMERICAN FORK, UT NORWEST MORTG/FHLMC 405 SW 5TH ST, DES MOINES, IA NORWEST-RELS FIRST AMERICAN WAY, POWAY, CA OUTSOURCE RECEIVABLE 3017 TAYLOR, OGDEN, UT P1NB/PIER1, PBC, MAIL ONLY PRINCIPAL RESIDENTIA 711 HIGH, DES MOINES, IA RBMG INC 3600 FOREST DRIVE, COLUMBIA, SC RC WILLEY STERLNGBK 2301 SOUTH 300 WEST, SALT LAKE CITY, UT ONE TOWNE SQUARE 17TH FLO, SOUTHFIELD, MI 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 2002 PO BOX 2000 PO BOX ALLEN, TX CHESTER, PA ATLANTA, GA

7 PREPARED FOR 1 -, CA CONSUMER, JONATHON ORDERED 07/02/2003 REPOSITORIES PRPD' BY PRICE 00 LOAN TYPE REF # SAMPLE FILE CONSUMER, BETTY wwwexperiancom/reportaccess wwwtransunioncom wwwequifaxcom MISCELLANEOUS INFORMATION Instant View Password: CE-6E0ACE To verify the authenticity of this credit report, please visit and click on the Instant View link Enter report number and password CE-6E0ACE to view the report For any inquiries regarding this report or services provided by AMERICAN REPORTING please contact us at TRADE SUMMARY # BALANCE HIGH CREDIT PAYMENTS PAST DUE MORTGAGE AUTO EDUCATION OTHER INSTALLMENT OPEN OLVING OTHER TOTAL SECURED DEBT OLDEST TRADELINE 06/92 UNSECURED DEBT 5546 DEBT/HIGH CREDIT 95% *** END OF REPORT 5/21/2008 2:54:45 PM *** ECOA KEY: B=BORROWER; C=CO-BORROWER; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S=CO-SIGNER AMERICAN REPORTING: 4020 LAKE WASHINGTON BLVD NE SUITE 205, KIRKLAND, WA (P) (F) ! "# $ % & ' ( ) ( ( * ' ( & + * ) &, * ' &, ) - ) &, )

8 1, CA CREDIT SCORE INFORMATION DISCLOSURE CONSUMER, JONATHON & CONSUMER, BETTY 9999 MAKE BELIEVE STREET VANCOUVER, WA In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file The scores are based on data about your credit history and payment patterns Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan They may also be used to determine what interest rate you may be offered on the mortgage Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate Credit records may vary from one company to another If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application If you have questions regarding the terms of the loan, contact the lender Your credit scores were provided by the following credit reporting agencies: TRANS UNION EQUIFAX CREDIT EXPERIAN PO BOX 4000 PO BOX PO BOX 2002 CHESTER, PA ATLANTA, GA ALLEN, TX wwwtransunioncom wwwequifaxcom wwwexperiancom/reportaccess The following information about your credit scores was created on 07/02/2003 Applicant:CONSUMER, JONATHON Name of Score:EQUIFAX/BEACON '96 Credit Score:591 Range: SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK OLVING OR OTHER OLVING ACCOUNTS AMOUNT OWED ON DELINQUENT ACCOUNTS Applicant:CONSUMER, JONATHON Name of Score:TRANSUNION/EMPIRICA Credit Score:557 Range:

9 SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED NUMBER OF ACCOUNTS WITH DELINQUENCY PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK OLVING OR OTHER OLVING ACCOUNTS Applicant:CONSUMER, JONATHON Name of Score:EXPERIAN/FAIR, ISAAC (VER 2) Credit Score:579 Range: SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME (OR UNKNOWN TIME) SINCE ACCOUNT DELINQUENT NUMBER OF ACCOUNTS DELINQUENT AMOUNT PAST DUE ON ACCOUNTS Name of Score:EQUIFAX/BEACON '96 Credit Score:670 Range: SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED LACK OF RECENT BANK OLVING INFORMATION NUMBER OF ACCOUNTS WITH DELINQUENCY Name of Score:TRANSUNION/EMPIRICA Credit Score:638 Range: SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED LEVEL OF DELINQUENCY ON ACCOUNTS PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK OLVING OR OTHER OLVING ACCOUNTS Name of Score:EXPERIAN/FAIR, ISAAC (VER 2) Credit Score:605 Range: SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME (OR UNKNOWN TIME) SINCE ACCOUNT DELINQUENT LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF ACCOUNTS DELINQUENT Borrower Signature Date Co-Borrower Signature Date

10 1, CA CREDIT SCORE INFORMATION DISCLOSURE CONSUMER, JONATHON & CONSUMER, BETTY 9999 MAKE BELIEVE STREET VANCOUVER, WA In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file The scores are based on data about your credit history and payment patterns Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan They may also be used to determine what interest rate you may be offered on the mortgage Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate Credit records may vary from one company to another If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application If you have questions regarding the terms of the loan, contact the lender Your credit scores were provided by the following credit reporting agencies: TRANS UNION EQUIFAX CREDIT EXPERIAN PO BOX 4000 PO BOX PO BOX 2002 CHESTER, PA ATLANTA, GA ALLEN, TX wwwtransunioncom wwwequifaxcom wwwexperiancom/reportaccess The following information about your credit scores was created on 07/02/2003 Applicant:CONSUMER, JONATHON Name of Score:EQUIFAX/BEACON '96 Credit Score:591 Range: SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK OLVING OR OTHER OLVING ACCOUNTS AMOUNT OWED ON DELINQUENT ACCOUNTS

11 Applicant:CONSUMER, JONATHON Name of Score:TRANSUNION/EMPIRICA Credit Score:557 Range: SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED NUMBER OF ACCOUNTS WITH DELINQUENCY PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK OLVING OR OTHER OLVING ACCOUNTS Applicant:CONSUMER, JONATHON Name of Score:EXPERIAN/FAIR, ISAAC (VER 2) Credit Score:579 Range: SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME (OR UNKNOWN TIME) SINCE ACCOUNT DELINQUENT NUMBER OF ACCOUNTS DELINQUENT AMOUNT PAST DUE ON ACCOUNTS Name of Score:EQUIFAX/BEACON '96 Credit Score:670 Range: SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED LACK OF RECENT BANK OLVING INFORMATION NUMBER OF ACCOUNTS WITH DELINQUENCY Name of Score:TRANSUNION/EMPIRICA Credit Score:638 Range: SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED LEVEL OF DELINQUENCY ON ACCOUNTS PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK OLVING OR OTHER OLVING ACCOUNTS Name of Score:EXPERIAN/FAIR, ISAAC (VER 2) Credit Score:605 Range: SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME (OR UNKNOWN TIME) SINCE ACCOUNT DELINQUENT LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF ACCOUNTS DELINQUENT