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

Transcription

1 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: Identity Theft Worksheet OFAC/PLC LIST CHECK TRADE LINES INQUIRIES ADDRESS FRAUD ALERT SSN CHECK/MESSAGES CONSUMER STATEMENT DATE TIME 10:37:16 VZ01 TCA1 JONATHAN QUINCY CONSUMER SS: E: AJAX HARDWARE N BIRCH ST * 2035 BROADWAY SUITE 300 BURBANK CA * LOS ANGELES CA RPTD: 6-95 TO 1-98 O 3X YOB: 1951 RPTD: I LAST SUB: E: BELL AUTOMOTIVE *1314 SOPHIA LN APT MAIN STREET SANTA ANA CA BURBANK CA RPTD: 0- TO 2-95 R 1X RPTD: 5-91 TO 9-91 I LAST SUB: *2600 BOWSER ST #312 LOS ANGELES CA RPTD: 0- TO 9-93 R LAST SUB: *JACK CONSUMER, JOHN SMITH, *JONATHAN SMITH JONES JR NO MATCH FOUND 0 New Tradelines in the past 30 days 0 New Inquiries in the past 30 days Reported via Expanded Inquiry, but different from inquiry PHONE ANSWERING SERVICE:/ABC ANSWER-ALL/10655 N BIRCH ST/BURBANK CA 91502/ FROM INQ COUNT FOR SSN=8 FROM INQ COUNT FOR ADDRESS=15 INPUT SSN ISSUED COMMERCIAL BUSINESS ADDRESS:/J&J INVESTMENTS/2600 BOWSER ST #312/LOS ANGELES CA 90017/ CKPT: INPUT SSN RECORDED AS DECEASED SSN is different than input SSN is different than input HK# ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICANT INFORMATION. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING FRAUD SHIELD SUMMARY INPUT SSN RECORDED AS DECEASED INQ: PHONE ANSWERING SERVICE: DOB: DOD: ABC ANSWER-ALL INPUT SSN ISSUED N BIRCH ST FROM INQ COUNT FOR SSN=8 BURBANK CA FROM INQ COUNT FOR ADDRESS= FILE: COMMERCIAL BUSINESS ADDRESS: J&J INVESTMENTS 2600 BOWSER ST #312

2 LOS ANGELES CA PROFILE SUMMARY CNT 04/01/04/21 PUBLIC RECORDS PAST DUE AMT----$1,421 INQUIRIES---3 SATIS ACCTS---6 INST/OTH BAL---$11,300 SCH/EST PAY-----$1,856 INQS/6 MO---0 NOW DEL/DRG---3 R ESTATE BAL--$234,000 R ESTATE PAY----$3,128 TRADELINE--10 WAS DEL/DRG---1 TOT REV BAL----$14,657 TOT REV AVAIL % PAID ACCT---2 OLD TRADE SCORE SUMMARY EXP/FAIR ISAAC RISK SCORE = 700 SCORE FACTORS: 22, 13, 18, 34 NATIONAL RISK SCORE = 502 SCORE FACTORS: 19, 35, 01, 08 EXPERIAN BANKRUPTCY = 925 SCORE FACTORS: PUBLIC RECORDS *SO CALIF DISTRICT COURT $12,450 CO LIEN REL D#: BP: B476P2109 *COUNTY SPR CT SANTA ANA $1,200 CIV CL JUDG D#: PLAINTIFF: ALLIED COMPANY BP: B1234P50987 *U S BANKRUPTCY COURT $100,000-L BK 7-PETIT D#: $8,500-A VOLUN TRADES SUBSCRIBER OPEN AMT-TYP1 AMT-TYP2 ACCTCOND PYMT STATUS SUB# KOB TYP TRM ECOA BALDATE BALANCE PYMT LEVEL MOS REV PYMT HISTORY ACCOUNT # LAST PD MONTH PAY PAST DUE MAXIMUM BY MONTH *CREDIT AND COLLECTION 9-94 $500-O COLLACT COLLACCT YC HEI UNK $ (20) E / ORIGINAL CREDITOR: DR. JOHN KILDARE ** ACCOUNT INFORMATION DISPUTED BY CONSUMER. ** *ISLAND SAVINGS 5-96 $7,000-L $5,700-H CLOSED CURR ACCT BC CRC REV $ (18) B0CCCCCCCCCCC CCCCC ** ACCOUNT CLOSED AT CONSUMER'S REQUEST. ** HEMLOCKS 2-95 $1,000-L OPEN CURR ACCT DC ISC $1, (17) NNNNNNNNNNNNN NNNN *CENTRAL BANK $22,350-O OPEN 30 DAY DEL BI AUT $11, (31) 1CCCCCCCCCCCC $465 $465 /1 CCCCCCCCCCCC *MOUNTAIN BK 3-93 $43,225-O OPEN 30 DAY DEL-3X BI SEC $19, (39) 1CCCCCC1CCCCC 3562A R $956 $ /1 CCCCCCCCCCCC *BAY COMPANY 1-68 $1,400-L BKADJPLN DEL DC CHG REV $ (99) CCCC /7 CCCCCCCCCCCC ** ACCOUNT PREVIOUSLY IN DISPUTE - NOW RESOLVED. ** EMPLOYEES CREDIT UNION 2-85 $10,000-L $7,108-H OPEN CURR ACCT BC CRC REV $6, (99) CCCCCCCCCCCC $ CCCC

3 HOME FINANCIAL 5-90 $400,000-O OPEN CURR ACCT FM R/E $234, (92) CCCCCCCCCCCC $3,128 CCCCC000CCCC STATE BANK 1-90 $10,000-L $9,612-H OPEN CURR ACCT BC CRC REV $8, (85) CCCCCCCCCCCC $255 CCCCC000CCCC TRAVEL CHARGE USA 3-95 $4,000-L $3,612-H PAID CURR ACCT N CRC $ (34) CCCCCCCCCCCC CCCCC000CCCC INQUIRIES HEMLOCKS DC UNK HEI BAY COMPANY DC REV CHG HILLSIDE BANK BC UNK HEI CONSUMER ASSISTANCE CONTACT: EXPERIAN 701 EXPERIAN PARKWAY, PO BOX 2002, ALLEN, TX END -- EXPERIAN

4 Applicant Name JONATHON CONSUMER Your Credit Score and the Price You Pay for Credit Source Experian Your Score /11/2011 Understanding Your Credit Score What you should know about your credit scores: Your credit score is a number that reflects the information in your credit report. Your credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors. Your credit score can change, depending on how your credit history changes. How we use your credit score: Your credit score can affect whether you can get a loan and how much you will have to pay for that loan. The range of scores: Scores range from a low of 232 to a high of 950. Generally, the higher your score, the more likely you are to be offered better credit terms. How your score compares to the scores of other consumers: % of Consumers with Scores in a Particular Range % % % 9% 10% 10% [ ] Experian/Fair Isaac Risk Model V2 Score Range 18% % Checking Your Credit Report What if there are mistakes in your credit report? You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your credit report, contact the consumer reporting agency. It is a good idea to check your credit report to make sure the information it contains is accurate. How can you obtain a copy of your credit report? Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year. To order your free annual credit report: By telephone: Call toll-free: On the web: By mail: Visit Mail your completed Annual Credit Report Request Form (which you can obtain from the Federal Trade Commission's web site at: to: Annual Credit Report Request Service P.O. box Atlanta, GA How can you get more information? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at or the Federal Trade Commission's web site at Applicant's Signature Provider of this form makes no warranty, expressed or implied, as to content or fitness of this form. Consult your own legal counsel. CBC-FORM NO. CSD02 (Rev. 10/10)

5 Co-Applicant Name JAMIE CONSUMER Co-Applicant's Signature Your Credit Score and the Price You Pay for Credit Source Experian Your Score NA 01/11/2011 Understanding Your Credit Score Your credit score: Your credit score is not available from Experian, which is a consumer reporting agency, because they may not have enough information about your credit history to calculate a score. What you should know about credit scores: A credit score is a number that reflects the information in a credit report. A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors. A credit score can change, depending on how a consumer's credit history changes. Why credit scores are important: Credit scores are important because consumers who have higher credit scores generally will get more favorable credit terms. Not having a credit score can affect whether you can get a loan and how much you will have to pay for that loan. Checking Your Credit Report What if there are mistakes in your credit report? You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your credit report, contact the consumer reporting agency. It is a good idea to check your credit report to make sure the information it contains is accurate. How can you obtain a copy of your credit report? Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year. To order your free annual credit report: By telephone: Call toll-free: On the web: By mail: Visit Mail your completed Annual Credit Report Request Form (which you can obtain from the Federal Trade Commission's web site at: to: Annual Credit Report Request Service P.O. box Atlanta, GA How can you get more information? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at or the Federal Trade Commission's web site at Provider of this form makes no warranty, expressed or implied, as to content or fitness of this form. Consult your own legal counsel. CBC-FORM NO. CSD02 (Rev. 10/10)