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

Transcription

1 2 Credco Instant Merge Credit Report Ref#: /4/26 Upgrade TID#: /4/26 2:38:43 Prepared For: Prepared By: INSTANT MERGE Client Loan # :42-234B CoreLogic Credco SAMPLE RPEORT Account # : P.O. BOX 5924, SAN 277 SCRIPPS RANCH BLVD Notes :234 DIEGO, CA 925 Tel: (8) SAN DIEGO, CA 923 USA Fax: (8) URL: 4 APPLICANT INFORMATION Name Address Address Type Requested :,, - I Delivered :,, Add/Remove Credit Repository SSN DOB or Age TESTCO, GREER Current: 2545 E BADWATER ST, SON, AZ 8576 US FRAUD ALERT, ACTIVE DUTY ALERT PRESENT INSTANT MERGE CREDIT SUMMARY ACCOUNT DISTRIBUTION CURRENT STATUS (Tradelines) Account Type Number Payments Current Closed Unrt * Real Estate 2 $65,3 $667 Installment 2 2 Revolving $2,277 7 $ All Other Accounts 2 Total 7 $77,47 Accounts In Dispute: AVAILABLE CREDIT Revolving 84.% $66,4 INQUIRIES PUBLIC RECORDS 6-month Total 3 * 2 Elim Same Day N/A Adjusted Total 2 New Trades (6 mos) Last 2 yrs N/A (*) Identifies Bankruptcy Oldest Trade: 2/94 On file: 3/98 Disclaimer: Only (s) information included in the Summary. 6 WARNING REPOSITORY FILES Item # Name SSN# Score 5 $935 7 Number of tradelines with serious deliquency: 2 Authorized User Accounts: HISTORICAL DELINQUENCIES (COUNT) Account Type Last Dlq Real Estate Installment Revolving All Other Accounts Total 2 Date Generated TESTCO, GREER T TESTCO, GREER TROTTER [76] TESTCO, GREER T XXX-XX-XXXX Disclaimer:[Score] in bracket indicates the 'Middle Score'. Disclaimer: Check Identification Section for details Page of TID: Transaction Identification A unique -digit number that identifies individual transactions, along with the date and time the transaction took place Prepared For & Prepared By: Important contact information displayed at the beginning of the report for easy reference. Client Loan #: Conveniently located so you can easily match credit reports with loan documents on file. Notes: A field that allows you to type additional information for your reference. The bureaus will not store this information 3 Smart report hyperlinks provide quick and easy access to product additions, upgrades and supplements 4 Information: Logically displays all submitted applicant(s) information 5 Warning Section: All warning messages, if any, are displayed in red text. These warning messages may point you to other areas of the report requiring further review. Also displayed are FACT Act specific messages such as fraud alert present, active duty alert present, and security alert present. Credit Summary: Provides an at-a-glance evaluation of all activities within the report so you can easily assess the quality of the applicant s credit history 7 Total amounts are segmented based on account types 8 References derogatory status count. Counts are notated below in red 9 Authorized User Accounts: displays the number of authorized users found for the applicant(s) Public Records: If one of the repositories returned a bankruptcy public record, an asterisk will be displayed on the corresponding repository Repository Files: Displays unmerged identification information along with scores from each repository for each applicant. The following disclaimer will be displayed in case of significant SSN variation Disclaimer- Check Identification Section for the details in red color.

2 Ref#: /4/26 Upgrade TID#: /4/26 2:38:43 Item # Product Score BEACON FICO-II [76] 3 3 FICO Classic DATA SOURCES SCORE INFORMATION Factor Information Factor:,, 4 AMOUNT OWED ON ACCOUNTS IS TOO HIGH PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS 4 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 2 LEVEL OF DELIQUENCY ON ACCOUNTS Factor: 4, 2, 32, 4 DEROGATORY PUBLIC RECORD OR COLLECTION FILED 2 TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT 32 LACK OF RECENT INSTALLMENT LOAN INFORMATION RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH Factor: 4, 2,, 4 4 DEROGATORY PUBLIC RECORD OR COLLECTION FILED 2 LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS 4 LACK OF RECENT INSTALLMENT LOAN INFORMATION 4 2 Public Record Description: JUDGEMENT by LEPPO INC ATY J M ZEGLEN BY MAIL ONLY 2 ONTARIOS STREET HIGHLEY, AZ COURT NAME CIRCUIT COURT Docket 253 ******DEROGATORY ITEMS****** PUBLIC RECORDS Public Records may contain duplicate information. This report displays all information reported by the repositories accessed. Public Record Description: COURT NAME ECOA Filed Date Amount VOL CH7 BANKRUPTCY US BANKRUPTCY INDIVIDUAL - $4,873 COURT, AZ Status Date Liabilities 594VF597 BY MAIL ONLY Docket SATISFIED Satisfied Date Assets 25 SUPERIOR AVE. SON, AZ Verified Date Exempt ECOA INDIVIDUAL Status SATISFIED Filed Date - 5 Date Satisfied Date 5-2 Verified Date Amount $58,67 Liabilities Assets Exempt Public Record Description: STATE TAX LIEN 43 EUCLID AVE. SON, AZ 8576 (62) COURT NAME RECORDER OF DEEDS Docket J624 ECOA UNDESIGNATED Status FILED Filed Date -2 Date Satisfied Date Verified Date Amount $324 Liabilities Assets Exempt 594VC59 Page 2 of 9 2 s Score Information: Each score for each applicant is conveniently placed in its own section. All the corresponding factor codes and descriptions are included 3 The Middle Score for each applicant will automatically be highlighted using bold text and brackets for easy identification 4 Factor Description (5th Factor Code) Depending on the bureau, this FACT Act specific statement will display if the number of inquiries aversely affected the score 5 Public Record Information: This will list the type of public record (Tax Lien, Bankruptcy, etc.), the date filed with the court, the status of the judgment (whether it was released or not), where the item was filed and the decode number for that court. In cases where there are no public records, following text will be displayed: No Public Record Information Found 6 : The column reflects the credit repository reporting the item

3 2 Ref#: /4/26 Upgrade TID#: /4/26 2:38:43 SURETY ACCEPTANCE E BROADWAY BLVD, SON, AZ 857 (52) ACCT SUBMITTED TO COLLECTION COLLECTION PAID; CHARGE OFF; PAID Creditor: HAMSTRA HEATING & COOLING INC Closed Date -5; Date -5 Group Total Accounts 2 Open Collection -5 High Credit $268 ECOA INDIVIDUAL Accounts under Credit Limit High Credit $43 Account Type Credit Limit COLLECTION UNKNOWN COLLECTION COLLECTION-9 COLLECTION -5 Scheduled Payment Manner Of Payment REV 6 Monthly Payment 2 3 Days - 3 days late 6 Days - 9+ Days 6 days - Y923J3 ACCT SUBMITTED TO COLLECTION COLLECTION PAID Creditor: HAMSTRA HEATING COOLING INC -5 DEROGATORY COLLECTION-9 ITEMS COLLECTION-9 2 SURETY ACCEPTANCE ECOA High Credit 3 Days 6 Days 9+ Days INDIVIDUAL $225 N/A YC E BROADWAY -5 COLLECTION 9 BLVD, SON, AZ Collection UNKNOWN REV (52) date ******END OF DEROGATORY ITEMS****** Account(s) In Dispute 3 CITI ECOA High Credit 3 Days 6 Days 9+ Days INDIVIDUAL $3,3 $,258 LAST PAYMENT BB4 9-5 CITIBANK DR. -6 REVOLVING $3,3 $23 SAN ANTONIO, TX Closed $23 (8) ACCT IN DISPUTE Date 3-5; Last Payment Date DAYS LATE-2 $ DAYS LATE-2 Group Accounts Open High Credit Credit Limit Monthly Payment 3 days late 6 days 9+ date Total $3,3 $3,3 $,258 Page 3 of $23 2 Page 3 of 9 7 Credit History: All applicant data is presented in easy-to-read tables with clearly labeled columns to ensure all data is properly identified. Joint accounts and accounts under applicant are listed separately. field labels are displayed immediately above the actual data field value for each tradeline 8 hyperlinks allow you to order a supplement directly from the credit tradeline 9 Payment Dates (MM-YY) displayed in the corresponding 3-day, 6-day and 9+day (4, 5, 6) late columns for the prior 2 years 2 : Payment patterns for tradelines are available for the past 48 months, when provided by the repositories. A space separates the years for legibility Group Total: An at-a-glance summary of the accounts, balance and payment amounts 22 Disputed Items: Section displays disputed derogatory and non-derogatory tradelines 23 : Displays the total liability on each account

4 26 Ref#: /4/26 Upgrade TID#: /4/26 2:38:43 Accounts under 4 WELLS FARGO HOME ECOA High Credit 3 Days 6 Days 9+ Days MORTG 2-8 INDIVIDUAL $74,7 $65,3 LAST PAYMENT FM58 $667 N/A 2-6 MORTGAGE Closed $667 REAL ESTATE MORTGAGE MOS FREDDIE MAC ACCT; REAL ESTATE MORTGAGE Collateral: FRD Date 2-6; Last Payment Date 2-6 TCD: Actual Pymt Scheduled Pymt High Credit Credit Limit Actual Pymt Scheduled Pymt High Credit Credit Limit CITI ECOA High Credit 3 Days 6 Days 9+ Days INDIVIDUAL $26, $7,75 LAST PAYMENT -6 96BB5 CITIBANK DR. -6 REVOLVING $26, $48 SAN ANTONIO, TX Closed $48 (8) REV AUTHORIZED USER ACCOUNT; -6 Date -6; Last Payment Date -6 Page 4 of 9 24 : Provides details on the type of loan 25 : Provides any additional information found on the account, including type of loan, authorized user account info and more 26 Trended : Presents the last 24 months payment history, balance, scheduled payment amount, actual payment amount, high credit and credit limit 27 Terms: Gives information on the payment terms (revolving, number of months, etc.)

5 Ref#: /4/26 Upgrade TID#: /4/26 2:38:43 6 CHASE P.O. BOX 3652 LOUISVILLE, KY 4233 (8) Closed SECURED CREDIT LINE; CREDIT LINE REDUCED DUE TO COLLATERAL DEPRECIATION Collateral: 5 E HAMPTON ST Accounts under ECOA High Credit INDIVIDUAL $4,28 $3,844 LAST ACTIVITY -6 Account Type Credit Limit Scheduled Payment Manner Of Payment OVERDRAFT/ $22, $ RESERVE $ SECURED CREDIT LINE Days 6 Days Days 655BB37694 Date -6; Last Payment Date 5-5 TCD: Actual Pymt Scheduled Pymt High Credit Credit Limit Actual Pymt Scheduled Pymt High Credit Credit Limit AVCO FINANCE N/A Date CHEVRON U S A P.O. BOX 9633 ORLANDO, FL (8) Date Paid Paid 2- ECOA High Credit 3 Days 6 Days 9+ Days INDIVIDUAL $ LAST ACTIVITY 3-9 Account Type Credit Limit Scheduled Payment Manner Of Payment F32E29Y REVOLVING UNKNOWN 3- ECOA High Credit 3 Days 6 Days 9+ Days INDIVIDUAL $76 LAST ACTIVITY 2- Account Type Credit Limit Scheduled Payment Manner Of Payment 96OC24 REVOLVING Page 5 of 9 28 Last Delinquency Date: Displays the date of the most recent delinquency, if reported 29 : Creditor Contact Information for each creditor is displayed under the creditor s name, if available 3 : Any dollar amount past due will be displayed here

6 Ref#: /4/26 Upgrade TID#: /4/26 2:38:43 9 FLEET BANK OF NEW YORK OLYMPIC TOWERS, BUFFALO, NY 422 (8) CENTRAL FIDELITY BANK PO BOX 2762, RICHMOND, VA 2326 (84) Closed Closed 5-9 BY CONSUMER; PAID Closed Date WELLS FARGO ECOA High Credit UNDESIGN- $2, ATED Account Type Credit Limit REVOLVING $2, ECOA High Credit INDIVIDUAL $957 Account Type Credit Limit REVOLVING $3,2 ECOA High Credit INDIVIDUAL $8,74 Accounts under Scheduled Payment Manner Of Payment 25 3 Days 6 Days 9+ Days 5-9 LAST PAYMENT 4-5 Scheduled Payment Manner Of Payment 67 3 Days 3 Days 6 Days 6 Days 9+ Days 9+ Days BC Date 2-6; Last Payment Date 2-6 BANK OF AMERICA ECOA High Credit 3 Days 6 Days 9+ Days 2-4 INDIVIDUAL $,286 LAST PAYMENT BB2942 BY MAIL ONLY 2-6 REVOLVING $5,3 N. TRYON ST. Paid CHARLOTTE, NC Date 2-9; Last Payment Date 2-9 TCD: Actual Pymt Scheduled Pymt High Credit Credit Limit Actual Pymt Scheduled Pymt High Credit Credit Limit BC22366 P.O. BOX INSTALLMENT B628N8 SANTA ANA, CA Closed (8) AUTO 5 ; AUTO LOAN -6 Closed Date -6; Date Page 6 of 9

7 Ref#: /4/26 Upgrade TID#: /4/26 2:38:43 Accounts under 3 FIRSTAR ECOA High Credit 3 Days 6 Days 9+ Days INDIVIDUAL $74,7 / TRANSFERRED 668FM4577 N/A 4-8 MORTGAGE CURRENT- Closed REAL ESTATE MORTGAGE ACCT TRANSFERRED; REAL ESTATE MORTGAGE 4-8 Date 3-8; Transferred Date FLEET BANK OF NEW ECOA High Credit 3 Days 6 Days 9+ Days YORK -5 UNDESIGN- $ ATED 76BB45 3 OLYMPIC TOWERS, -9 REVOLVING $3, BUFFALO, NY 422 Closed (8) PAID - CREDIT LINE ; ; -9 BY CONSUMER; PAID Closed Date 8-6; Date TD BANK ECOA High Credit 3 Days 6 Days 9+ Days INDIVIDUAL $2, B359A3 7 ROUTE 7 EAST -9 REVOLVING $2, UNRATED CHERRY HILL, NJ 854 Closed (888)75-9 LOST OR STOLEN CARD -9 Date MERIDIAN BK ECOA High Credit 3 Days 6 Days 9+ Days INDIVIDUAL $7,5 496BB34 2 W. WICKENBURY WY 5-2 INSTALLMENT WICKENBURY, AZ 8539 Closed (928) STUDENT LOAN 84 STUDENT LOAN; PAID - CREDIT LINE ; 5-2 Closed Date 8-6; Date 8-6 Group Total Accounts 4 Open High Credit $2,798 Credit Limit $73,5 $76,49 Monthly Payment $92 3 days late 6 days 9+ date Page 7 of 9

8 Ref#: /4/26 Upgrade TID#: /4/26 2:38:43 IDENTIFICATION INFORMATION Item # Name SSN DOB or File Start Age Date TESTCO, GREER T SSN MATCHES. 2 3 TESTCO, GREER TROTTER SSN MATCHES. 2TESTCO, GREER T XXX-XX-XXXX SSN VARIATION BY 3 OR MORE DIGITS INQUIRIES MADE IN THE LAST 8 DAYS Item # Inquiry Made By Industry Inquiry Date RELS REPORTING ONE HOME CAMPUS DES MOINES, IA 5328 ADDRESS INFORMATION Item # Address Address Type Since 2545 BADWATER ST #T SON, AZ E BADWATER ST AZ 3 Desert View LN Tucson, AZ LODGE BV SON, AZ LODGE BL # SON, AZ MISCELLANEOUS INFORMATION Item # Miscellaneous Text Text Type Trade Date - Subscriber Info Date FORMER 9-9 FRAUD VERIFICATION INFORMATION Product Fraud Message Item # Fraud Shield Not Provided By The Repository High Risk Fraud Alert AVAILABLE AND CLEAR XX62YC FORMER 4-4- CURRENT FORMER 9-88 FORMER Date Variation between Inquiry and Onfile address Address Variation 2 Variation between Inquiry and Onfile address Address Variation 3 Consumer has Active Duty Alert Active Duty 4 Extended Fraud Alert Fraud Alert 34 2 SUB-SEGMENT DATA ONLY; SINCE -7-2 THE SSN HAS BEEN USED 3 TIMES IN OTHER INQUIRIES IDSCAN IDENTITY SCAN- ACTIVE DUTY ALERT PRESENT IN DATABASE. SSN ISSUED 995 IN NY Page 8 of 9 3 Identification Information: Possible variations of the applicant s name are listed here 32 Inquiries: Depending on your account settings, you will find a listing of all inquiries made on the applicant s file in the last 2 days, 8 days, 2 months, or 2 years. Each listing includes the date of the inquiry, the name of the inquiring company, the type of account the inquiry was for, the company s subscriber code, and the bureaus that were accessed for the inquiry 33 Address Information: A list of all the applicant of addresses reported to the bureaus 34 Fraud Verification Information: All fraud messages are organized by bureau and applicant

9 Ref#: /4/26 Upgrade TID#: /4/26 2:38:43 Item # Employer Address 35 CER CORP OCCUPATION UNKNOWN EMPLOYMENT INFORMATION Occupation Status Earnings Hired Date Date -7 2 WINGS CORPORATION TRAVE VICE PRESIDENT CURRENT CONSUMER STATEMENT Item # Consumer Statement Date REASON FOR FILING BANKRUPTCY--DUE TO COMPANY I WORKED FOR WENT OUT OF BUSSINESS 2-8 AND DUE TO EXORBITANT MEDICAL BILLS BECAUSE OF INJURY TO MY ARM WHICH WAS NOT ALL COVERED UNDER HOSPITALIZATION 2 ACTIVE DUTY ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT 2-5 FILE E BADWATER ST, SON, AZ 8576 US DAYTIME EVENING ACCOUNT WENT TO A DELINQUENT STATUS WHILE I WAS OUT OF THE COUNTRY DATA SOURCE CONTACTS Name Address Telephone Website EQUIFAX INFORMATION SVCS P.O. BOX 7424 ATLANTA, GA 3374 EXPERIAN TRANS UNION P.O. BOX 22 ALLEN, TX 753 P.O. BOX CHESTER, PA 922 (8) (888) (8) *** END OF INSTANT MERGE REPORT****** ****** END OF INSTANT MERGE REPORT ****** Page 9 of 9 35 Employment Information: This section shows a list of past and present employers, status and earnings (if reported) 36 Consumer Statement: This section displays applicant comments in their file 37 Contacts: Complete bureau contact information including telephone numbers and websites

10 ECOA Codes MOP (Manner of Payment) UNDESIGNATED Not designated by the Creditor Account Type: Instant Merge Report Tradeline Glossary INDIVIDUAL Individual account R Revolving I Installment JOINT Joint account - Both parties contractually liable O Open, 3 days M Mortgage AUTHORIZED USER Authorized to use someone else s account C Line of Credit SHARED CO-MAKER / CO-SIGNER ON BEHALF OF MAKER / SIGNER TERMINATED DECEASED Joint participating account - contractual liability cannot be deterlmined Has guaranteed the account, assumes responsibility if the maker defaults Signed an application for the purpose of securing credit for a non-spouse Responsible for the account, which may be guaranteed by a co-maker No longer associated with account Deceased individual Universal Rating Code: English Translation: Too new to rate Current 3 days late 6 days late 9 days late 2 days late 5 days late CURRENT CURRENT DEL 3 DEL 6 DEL 9 DEL 2 DEL 5 Months The number of months of payment history reported by the repositories. 7 Wage Earner Plan or Bankruptcy WEP/BKRP 8 Repossession or Foreclosure REPO/FCL 9 Collection or Charge-off COLL/P&L U Unrated UNRATED Historical Payment Pattern Indicates month-to-month payment history for 48 months, if reported. The line reads from left to right with the most recent date reported on the left, with spaces separating each 2 months payment history. In this example, the line starts with the rating code next to the 3-5 date. The rating code indicates the account is current as of March 25; 2 indicates the account was 3 days late in February 25. See Universal Rating codes for more details. The Times section is broken into 3, 6 and 9+ days buckets. The late payment dates are listed in vertical rows under the respective column. Ratings of 2 are added to the 3 day buckets, ratings of 3 are in the 6 day buckets and all other rating codes (4, 5, 6) are counted in the 9+ day bucket Days Days 9+ Days Text Formatting Reference Red Text indicates Notification Style Information such as Fact Act footnotes, Derogatory Information reported by the repository, Errors, Warnings, Alerts, Liabilities, Variations and Summary Delinquencies. Blue Text indicates Broad Information such as Factors, Status, #, Tradeline information, Consumer Statement, Products, websites and CREDCO remarks. Green Text indicates Favorable Information received from data source(s) such as Clear. Italic Text indicates Disclaimers/Disclosures.