AAA CREDIT SCREENING SERVICES, LLC EL CAMINO REAL HOUSTON, TX Phone: (888) Fax: (888)

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1 about:blank EXAMPLE TRANS UNION CREDIT REPORT Page 1 of 6 2/18/2010 AAA CREDIT SCREENING SERVICES, LLC EL CAMINO REAL HOUSTON, TX Phone: (888) Fax: (888) File No: Requested By: Name: Q W CONSUMER Date Ordered: 02/18/2010 SSN: ***-**-3388 Date Completed: Address: N BIRCH ST BURBANK, CA Prepared For: TEST AAA SCREENING EL CAMINO REAL HOUSTON, TX EXECUTIVE SUMMARY Report Type Description Status Tenant Credit Infile Trans Union Completed

2 IRIS Report about:blank Page 2 of 6 2/18/2010 AAA CREDIT SCREENING SERVICES, LLC EL CAMINO REAL HOUSTON, TX Phone: (888) Fax: (888) Tenant Credit Infile Prepared For: TEST AAA SCREENING EL CAMINO REAL HOUSTON, TX Sources: TU Ordered: 02/18/2010 Completed: Report No: Requested By: lpennington574 APPLICANT Name Phone Social Security Age/DOB Dependents Address CONSUMER, Q W ***-** N BIRCH ST BURBANK, CA RESIDENCE Type Ownership App/CoApp Address PRESENT APPLICANT 2800 S MILL AV100 TEMPE, AZ PREVIOUS APPLICANT N BIRCH SPREET BURBANK, CA PREVIOUS APPLICANT 1234 WALK LN CLARKSON, WA Since To 01/09 11/06 ABC CO EMPLOYER EMPLOYMENT From VerDate MGR 10/09 Employer Position Income TO VerBy SCORES Risk Assessment TUC-01 <TransUnionClassic2004> FILE NOT SCORED BECAUSE SUBJECT IS DESCEASED Codes NONE FOUND. PUBLIC RECORDS Reporting Bureau certifies compilance with contractual requirements governing check of public records

3 IRIS Report about:blank Page 3 of 6 2/18/2010 with these results. CREDIT HISTORY E Historical C O Creditor Name Account Number Type Date Reported Date Opened Last Activity Hi Credit Term Mo Balance Term Amount Past Due Amount Mo MOP A I TEMPE SCHOOL CRE 01/10 11/07 $550 $ LINE OF CREDIT ACCOUNT BY CONSUMER M TEMPE SCHOOL INS 01/10 12/09 $10000 $ $215 AUTOMOBILE C FOOTHIL EFCU INS 02/09 02/09 $20000 $ /09 60 $514 AUTOMOBILE I COMM ARTS CU INS 01/09 08/08 $ $219 SECURED I Y-12 FCU INS 10/03 10/03 $120 $ $2 UNSECURED I CU OF SO CAL INS 01/10 01/10 $40000 $ $836 AUTOMOBILE I SCHOOLSFIRST CRE 11/09 10/07 $0 $ CREDIT LINE SECURED ACCOUNT BY CONSUMER I SCHOOLSFIRST CRE 11/09 10/07 $0 $ CREDIT LINE SECURED ACCOUNT BY CONSUMER

4 IRIS Report about:blank Page 4 of 6 2/18/2010 I TEMPE SCHOOL INS 10/09 10/09 $200 $ $0 UNSECURED M TEMPE SCHOOL INS 01/09 03/96 $12879 $ /07 48 $334 AUTOMOBILE I SCHOOLSFIRST INS 11/08 11/08 $15000 $ $292 AUTOMOBILE I CU OF SO CAL INS 03/08 03/08 $ $ $3748 UNSECURED I TEMPE SCHOOL INS 02/08 01/08 $ $0 UNSECURED I TEMPE SCHOOL INS 06/06 06/06 $200 $ $0 UNSECURED INQUIRIES Date Name Code IC 02/18/2010 AAA CREDIT S Z /17/2010 INFRM RESRCH R /15/2010 UCS CR SVC Q /12/2010 UCS CR SVC Q /11/2010 EAUTOBUY A /11/2010 EQUIFAX MORT Z /11/2010 NCO CREDIT S Z /10/2010 NCO CREDIT S Z /05/2010 NCO CREDIT S Z /05/2010 NCO CREDIT S Z /05/2010 NTN/KAUPANGE R /04/2010 ADVCREDITBUR Z /04/2010 AMRICOMP INC A /02/2010 SIR Z /01/2010 ADVCREDITBUR Z

5 IRIS Report about:blank Page 5 of 6 2/18/ /31/2010 ADVCREDITBUR Z /28/2010 EQUIFAX MORT Z /27/2010 EQUIFAX MORT Z /27/2010 FDNG STE Z /25/2010 FACTORY STOR A /20/2010 ADVCREDITBUR Z /19/2010 TX STAR AUTO A /14/2010 ADVCREDITBUR Z /14/2010 TX STAR AUTO A /13/2010 NCO CREDIT S Z /12/2010 AUTO EXPO A /11/2010 ADVCREDITBUR Z /11/2010 FDNG STE Z /06/2010 BRANDYWINE C F /06/2010 EQUIFAX MORT Z /06/2010 FDNG STE Z /06/2010 NCO CREDIT S Z /05/2010 ANTIGO AUTO A /04/2010 ANTHONY'S AU A /30/2009 INFINITI OF A /29/2009 LEGEND AUTO A /29/2009 NTN/KAUPANGE R /28/2009 CBCINNOVIS Z /28/2009 NTN/KAUPANGE R /21/2009 AUTOBAHN MTR A /17/2009 ACRANET-130 Z /16/2009 DAVID MOTOR A /16/2009 FDNG STE Z /16/2009 NCO CREDIT S Z /14/2009 NETWORK CR S Z /9/2009 AUTO SELECT A /9/2009 FDNG STE Z /9/2009 STANDARD AUT A CONSUMER,JON,Q CONSUMER,JON,KRISTEN CONSUMER,JONATHAN,QUINCY AKAs IDENTIFICATION TUC-01 Name: TRANSUNION Address: 2 BALDWIN PLACE, P. O. BOX 1000 CHESTER, PA Phone: Name:, ***-**-3388, DOB: 02/01/1951 HIGH RISK FRAUD ALERT - REQUESTED PRODUCT DELIVERED; AVAILABLE AND CLEAR. - REQUESTED PRODUCT DELIVERED;

6 IRIS Report Page 6 of 6 EQUIFAX P.O. BOX ATLANTA, GA (800) REPORT FOOTER END OF CREDIT REPORT TRANS UNION 2 BALDWIN PL. P.O. BOX 1000 CHESTER, PA (800)

7 TRANS UNION EXAMPLE REPORT ITEM DESCRIPTIONS A) APPLICANT Identification Subject Name Phone Number (if available) Social Security Number Age/Date of Birth Dependents Current Address B) RESIDENCE Addresses Current Address Former Address (if available) Second Former Address (if available) C) EMPLOYMENT Current Employer (if available) D) SCORES *See Credit Score Explanation E) PUBLIC RECORDS Bankruptcies/Judgements/Tax Liens (if applicable) *see Public Records Explanation Sheet F) CREDIT HISTORY Detailed Account Information ECOA: Equal Credit Opportunity Act (Type of Account) Code U I A J C B M T S ECOA CODES Description Undesignated Individual Authorized User Joint Co-Maker On Behalf Of Maker Association with Account Terminated Shared Creditor Name Account Number Type: Type of Account ACCOUNT TYPES REV Revolving (Credit Card) OPN Open (Does not fall under any other category INS Installment (Loans) MTG Mortgage Date Opened Date account was opened with reporting company Date of Last Activity Date of last activity on account (payment to client) Hi Credit Highest amount owed on the account since it s opening or the original loan amount Term Mo Length of time (in months) individual is required to make payments Balance Current Balance Term Amount Minimum monthly amount subject is required to pay towards balance owed Past Due Amount Past due amount owed as of reporting date Historical MO:Months Reviewed; Number of 30/60/90 days late payments MOP Manner of Payment (Current Account Payment Status) CURRENT STATUS CODES 0 Too new to rate; Approved but not used 1 Paid as agreed; Satisfactory; Current 2 Pays Days; Not more than 2 Payments Past Due 3 Pays Days; Not More Than 3 Payments Past Due 4 Pays Days; Not More Than 4 Payments Past Due 5 Pays Over 120 Days: Nore More Than 5 or More Payments Past Due 7 Making Regular Payments Or Paid Under Wage Earner 8 Repossession 9 Charged Off To Bad Debt G) INQUIRIES Member Inquiry History Date of Inquiry Member Name Identification Code Subject Name Two year history shown. H) AKAs I) IDENTIFICATION *See High Risk Fraud Alert Social Security Verification J) REPORT FOOTER Credit Bureau Phone Numbers & Addresses Date Reported

8 PUBLIC RECORD INFORMATION Public Record Information indicates legal action has been taken which may effect the consumer's credit worthiness. JUDGEMENT (JUDG) - In extreme collection situations, creditors will bring a lawsuit against a delinquent customer. If the court agrees with the claim, a judgement is granted. A judgement is reported for 7 years. DATE FILED, JUDG, COURT NUMBER, AMOUNT, DEFENDANT, CASE NUMBER, PLAINTIFF, DATE VERIFIED, STATUS SATISFIED JUDGEMENT (ST JD) - When the consumer pays the judgement they receive a document called "Satisfaction of Judgement" from the plaintiff. This document should be filed with the court to indicate the debt is "Satisfied". A "Satisfied" Judgement is reported for 7 years from the original judgement date. DATE FILED, ST JD, COURT NUMBER, AMOUNT, DEFENDANT, CASE NUMBER, PLAINTIFF, DATE VERIFIED, STATUS, DATE SATISFIED CHAPTER 7 BANKRUPTCY (BKRPT) - Consumers may have their debts eliminated by petitioning bankruptcy court for Chapter 7 Bankruptcy. If the court "discharges" the bankruptcy, the person is freed from all obligations. A bankruptcy is "dismissed" when the court believes the individual does not have cause to file bankruptcy. A bankruptcy is reported for 10 years. DATE FILED, BKRPT, COURT NUMBER, CASE NUMBER, LIABILITIES, ASSETS, EXEMPT AMOUNT, TYPE, INTENT CHAPTER 13 BANKRUPTCY (WEP) - Consumers may be granted a "restructuring" of their debts by the court. This allows the consumer to repay their debts over a longer period of time at reduced payment amounts. WEP's are reported for 7 years. DATE FILED, WEP, COURT NUMBER, CASE NUMBER, LIABILITIES, ASSETS, EXEMPT AMOUNT, TYPE, INTENT TAX LIEN (LIEN) - Consumers who do not pay their federal or state taxes will have a lien filed against them at the court house. Once the taxes are paid, the lien is "Released" by the appropriate agency. Tax Liens, paid or unpaid, are reported for 7 years from the date the lien was filed. DATE FILED, LIEN, COURT NUMBER, CASE NUMBER, AMOUNT, DATE RELEASED, DATE VERIFIED

9 Reason Factor Codes Why did this credit file receive the score that it did? To understand why a credit report scored the way it did, look at the four reason codes given with each score. These are the top reasons why it did not score higher, although other factors probably contributed. Mortgage brokers and lenders should receive these reasons along with the score when the score is obtained through a mortgage credit reporting company. A complete list of these score factor reasons accompanies this document These reason codes are either a number or letter followed by a brief description. For example a score of 563 may have the following factors: 02 Delinquency on accounts 01 Amount owed on accounts is too high 09 Too many accounts opened in last 12 months 19 Too few accounts currently paid as agreed These score factor explanations can be relayed back to the borrower to explain how they can increase their score over time. Score factors are less meaningful for higher-scoring credit records as they merely point to the reasons why the file did not score even higher.

10 S TransUnion FICO (formerly EMPIRICA ) How the TransUnion FICO score appears on an AAA Credit Screening Services credit report: TUC FICO Score (Subject) =571 Score Factors: 005, 018, 010, 013 Repository Score (based on this consumer's Trans Union credit infile) Adverse Action Codes (In descending order, the codes corresponding to the reasons for the consumer score) FICO Scoring Factors CODE Explanation No adverse factor Amount owed on accounts is too high Level of delinquency on accounts Proportion of loan balances to loan amounts is too high Lack of recent installment loan information Too many accounts with balances Too many consumer finance company accounts Account payment history is too new to rate Too many inquiries over last 12 months Too many accounts recently opened Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Amount owed on revolving account is too high Length of time revolving accounts have been established Time since delinquency is too recent or unknown Length of time accounts have been established Lack of recent bank revolving information Lack of recent revolving account information No recent non-mortgage balance information Number of accounts with delinquency Date of last inquiry too recent Length of time since derogatory public record or collection is too short Amount past due on accounts Serious delinquency, derogatory public record or collection filed No recent revolving balances Number of bank revolving or other revolving accounts Too few accounts currently paid as agreed Number of established accounts No recent bankcard balances Time since most recent account opening is too short Amount owed on delinquent accounts Payments due on accounts Serious delinquency, and public record or collection filed Serious delinquency Derogatory public record or collection filed No recent retail balances Length of time since most recent consumer finance company account established Lack of recent retail account information Amount owed on retail accounts l Fair, Isaac Credit Bureau Risk Scores

11 High Risk Fraud Alert High Risk Fraud Alert plays an advisory role by issuing warnings about information that appears to be genuine but, in reality, may be questionable. These warning messages focus on highrisk addresses, Social Security Numbers and phone numbers to help reduce fraud, protect consumers and lower risk on both potential and existing accounts. High Risk Fraud Alert uses one of the industry s most complete national files of potentially fraudulent information and is available as an add-on to most TransUnion solutions or as a stand-alone tool. Features Multi-sourced database includes unique fraud victim data Flexible message settings may be adjusted to meet user requirements Over 50 specific and actionable warning messages are available Input Requirements Since this option is an add-on, input is dependent on core products accessed. It also offers a variety of powerful message categories. True name fraud information compares customer data to our potential and actual victim file from the industry-leading TransUnion Fraud Victim Assistance Department database. Other alerts flag non-residential information such as high-risk addresses and phone numbers. Warnings may also be generated when potentially fraudulent application information is compared to customer-contributed data. Delivery Options CPU-CPU Remote Terminal OLB TransUnion DeskTop (continued on next page) Inquiry history draws upon our extensive system intelligence of address and Social Security number usage to determine if there has been an excessive number of inquiries within a certain period of time. Plus, the Social Security Number analysis identifies the year(s), state and age obtained for valid numbers, numbers not yet issued and numbers of deceased consumers. Credit Reports High Risk Fraud Alert 2004 TransUnion LLC. All Rights Reserved. 555 West Adams Street Chicago, Illinois 60661