Experian Credit Report for:

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1 Experian Credit Report for: Date of birth: 2/5/ , HIGH STREET, ANYTOWN, MIDSHIRE, A12 4CD Reference: Date of report: January 21 A guide to your Experian Credit Report. Your Experian Credit Report is a record of your credit history, containing details that range from your electoral roll information to every credit account agreement you ve ever held. All the information is broken down into 15 sections. Here are things to look out for: 1 At the beginning of each section, a short explanation tells you what information is contained within. 2 Your personal details Always check carefully. Incorrect information here could mean someone is using your identity, which could affect your credit rating and ability to get credit on favourable terms. These are warning/hints and tips boxes to help you get the most out of your Experian Credit Report and Identity Protection Alert cover. Status History The traffic light codes tell you your payment status. Green: Everything is fine n Your payments are up to date nd Your account is inactive nu The lender has not yet updated your account Amber: Warning n1 payment late n2 payments late n3 payments late Red: Danger n4 n5 n6 n8 payments late payments late payments late Your account is in default 3 4 How to spot identity theft Check each section carefully. Inaccuracies could be genuine errors or they could be signs of identity theft. Incorrect addresses. This could indicate that an identity thief is having bills sent to a location you know nothing about. Unfamiliar credit or loan accounts. If someone has applied for credit or a loan in your name, you ll see it in the section Credit account information. Higher-than-expected credit limits. Check your credit limits with your original agreements. It s not unusual for an identity thief to make a few payments in order to raise your credit limit, providing access to larger amounts of money. Previous credit searches. When you apply for credit, lenders view your Experian Credit Report. If you re surprised to see your Experian Credit Report has been searched, this could be a sign that credit has been applied for in your name. Any Questions? Call our Helpline on Lines are open 8am 8pm, 7 days a week. Your Experian Credit Report is provided as part of your Identity Protection policy which is arranged by Card Protection Plan Limited on behalf of the insurer, Homecare Insurance Limited. The content of this report is not guaranteed by us; it relies on third party information being passed to Experian, and it is accurate only at the time of publication. Continued overleaf...

2 Your Experian Credit Report. Have you moved recently? If so, you could be at risk of identity theft. If you haven t already, redirect your post and register with the Mail Preference Service to stop unsolicited mail. 1 Application details These are the details we used to produce your report. Your date of birth: 9/1/1972 Other names you have been known by: People you are financially connected to: MISS JESSICA AN BODY MR SIMON R SOMEBODY Date of birth: 2/5/1974 Present address details: Other address(s): 186, HIGH STREET, ANYTOWN, MIDSHIRE, A12 4CD 1 CITY ROAD, SOUTHTOWN, RIVERPORT, X43 2ZZ 2 Electoral roll information The dates your name was registered on the electoral roll and your recorded addresses. Local authority: From: To: SOMEBODY JESSICA 186 HIGH STREET ANYTOWN, MIDSHIRE, A12 4CD ANYTOWN LA 1/24 Present Local authority: From: To: SOMEBODY JESSICA 1, CITY ROAD, SOUTHTOWN, RIVERPORT, X43 2ZZ ANYTOWN LA /24

3 Check carefully. If a name appears that you don t recognise, this could mean someone is posing as you. 3 Aliases Any other names lenders have known you by. 186, HIGH STREET, ANYTOWN, MIDSHIRE, A12 4CD Date of birth: 9/1/1972 Also known as: Confirmed by: MISS JESSICA ANYBODY BOODLES BANK PLC Date: 18/5/7 186, HIGH STREET, ANYTOWN, MIDSHIRE, A12 4CD Date of birth: 9/1/1972 Also known as: MISS JESSICA ANYBODY Confirmed by: EXPERIAN CREDIT REPORT (2) Date: 18/5/7 This information was provided to us as part of a report application or from information given after receiving an Experian Credit Report. Continued overleaf...

4 Is everything as it should be? Your credit status is affected by your financial associations. If someone is listed that you don t recognise, this could be a sign that your details are vulnerable. 4 Financial associations This is anyone, such as a partner, you are financially connected to, either by joint accounts, joint credit applications, joint court judgments or simply from information you ve given us. 86, HIGH STREET, ANYTOWN, MIDSHIRE A12 4CD Date of birth: 9/1/1972 Associated with: MR SIMON SOMEBODY Date of birth: 2/5/74 Type of association: Association confirmed by: JOINT ACCOUNT BOODLES BANK PLC Date: 2/5/7 86, HIGH STREET, ANYTOWN, MIDSHIRE A12 4CD Date of birth: 9/1/1972 Associated with: MR SIMON SOMEBODY Date of birth: 2/5/74 Type of association: FINANCIAL CONNECTION Association confirmed by: EXPERIAN CREDIT REPORT (2) Date: 9/3/7 This information was provided to us as part of a report application or from information given after receiving an Experian Credit Report. 86, HIGH STREET, ANYTOWN, MIDSHIRE A12 4CD Date of birth: 9/1/1972 Associated with: MR SIMON SOMEBODY Date of birth: 2/5/74 Type of association: Association confirmed by: JOINT APPLICATION GENERAL BANK PLC Date: 11/12/5

5 5 Public record information This includes any court judgments, bankruptcies or individual voluntary arrangements. 186, HIGH STREET, ANYTOWN, MIDSHIRE, A12 4CD BANKRUPTCY ORDER Date: 3/12/6 Discharged: 3/12/7 Court name: ANYTOWN COUNTY COURT Case number: Source: INSOLVENCY SERVICE When your bankruptcy has been annulled or discharged we will be informed by the Insolvency Service. 186, HIGH STREET, ANYTOWN, MIDSHIRE, A12 4CD VOLUNTARY ARRANGEMENT Date: 17/6/4 End date: 24/1/6 Court name: Case number: Source: UNKNOWN IVA45658 INSOLVENCY SERVICE If you have any questions about voluntary arrangements you should speak to the issuer. 186, HIGH STREET, ANYTOWN, MIDSHIRE, A12 4CD VOLUNTARY ARRANGEMENT COMPLETE Date: 17/6/4 End date: 24/1/6 Court name: Case number: Source: UNKNOWN IVA45658 INSOLVENCY SERVICE This information shows that the conditions of the Arrangement have been met. Details of the Voluntary Arrangement will continue to be held on your report for six years from the date of the Arrangement. Continued overleaf...

6 Public record information continued , HIGH STREET, ANYTOWN, MIDSHIRE, A12 4CD SATISFIED JUDGMENT Date: 1/8/4 Amount: 481 Satisfied: 16/11/5 Court name: Case number: Source: SOUTHTOWN COUNTY COURT ST7143 REGISTRY TRUST LTD Satisfied judgments are automatically removed from your report after six years. 1 CITY ROAD, SOUTHTOWN, RIVERPORT, X43 2ZZ JUDGMENT Date: 1/7/4 Amount: 1257 Court name: Case number: SOUTHTOWN COUNTY COURT ST41135 Source: REGISTRY TRUST LTD If you have paid a judgment you should contact the court involved and make sure they are informed. You may wish to request a Certificate of Satisfaction as proof of the change. We will be told that the judgment is satisfied and we will update our records.

7 Check everything carefully. If there are any credit or loan agreements you don t recognise, you could be a victim of identity theft. 6 Credit account information A recent history of your credit and loan agreement with lenders. 186 HIGH STREET, ANYTOWN, MIDSHIRE, A12 4CD Date of birth: 9/1/72 CURRENT ACCOUNT LENDU MONEY LIMITED Started: 19/1/6 Balance: 344 Credit limit: 36 Status history: nnnnnnn In the last 7 months of account activity, the number of status 1-2 is and the number of status 3+ is File updated for the period to: 1/5/7 186 HIGH STREET, ANYTOWN, MIDSHIRE, A12 4CD Date of birth: 9/1/72 CREDIT CARD Started: 19/1/2 Balance: 1126 Credit limit: 13 Status history: File updated for the period to: 1/3/7 BOODLES BANK PLC n3 nnnnn 2 1 U nnnnn In the last 36 months of account activity, the number status 1-2 is 2 and the number of status 3+ is 1 Continued overleaf...

8 Credit account information continued HIGH STREET, ANYTOWN, MIDSHIRE A12 4CD Date of birth: 9/1/72 JOINT ACCOUNT GENERAL BANK PLC LOAN Started: 4/6/1 Balance: Settled: 4/6/6 Status history: nnnnnnnnnnnn In the last 24 months of account activity, the number of status 1-2 is and the number of status 3+ is File updated for the period to: 28/6/6 Settled accounts are kept on file for six years from the settlement date. The status history in respect of a settled account relates to the period of time prior to the date of settlement. 1, CITY ROAD, SOUTHTOWN, RIVERPORT, X43 2ZZ Date of birth: 9/1/72 Arrangement from: 1/5 to 8/5 MOBILE PHONE FIRM RENTAL Started: 5/7/1 Default: 548 Defaulted: 6/1/5 Balance: Satisfied Status history: File updated for the period to: 19/7/6 n 8 NOTICE OF CORRECTION Reference See final page of report A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe.

9 Credit account information continued... 1, CITY ROAD, SOUTHTOWN, RIVERPORT, X43 2ZZ Date of birth: 9/1/72 MOBILE PHONE COMPANY RENTAL Started: 27/8/98 Default: 121 Defaulted: 8/9/4 Current balance: 695 Status history: n 8 File updated for the period to: 7/9/5 A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe. Remember, incorrect information can affect your credit status. As this section contains more details, there s more room for error. Check every detail carefully to make sure everything is as it should be. 7 Credit account information with account management details Some lenders provide more details about your credit account information. When they do, it appears in this section of your Experian Credit Report. It shows, in more detail, how you manage your account. MR JOHN SMITH 15, HIGH STREET, ANYTOWN, COUNTYSHIRE, FR3 8JU Date of birth: 5/1/1957 CREDIT/STORE CARD ABC BANK PLC Started: 6/3/95 Status history: nnnnnnn In the last 36 months of account activity, the number of status 1-2 is 5 and the number of status 3+ is File updated for the period to: 24/3/2 Continued overleaf...

10 Credit account information with account management details continued... Status Code Balance Payment Amount Previous Statement Balance Number of Cash Advances Amount of Cash Advances Payment Code Promotional Rate Indicator M Y M Y Y Y M Y Y M M Credit Limit Current 1/6 2/2 1/1 8/ The first part of the record contains similar information to that shown for all other credit accounts. This information is explained in more detail in the Credit account information section of this leaflet. The central section, shown as a table, records the way in which the account has been used and repaid each month. Each row shows the information the lender sent to us for a particular month, with the most recent information shown on the top row and the oldest information on the bottom row. Up to twelve months worth of information may be shown. The payment code and promotional rate indicator will only contain a value under certain circumstances (see table overleaf). If other rows or individual fields are blank this indicates that the lender has not provided this information for that month.

11 Credit account information with account management details continued... Status Code Balance Payment Amount Previous Statement Balance Cash Advances (Number) Cash Advances (Amount) Payment Code Promotional Rate Indicator The status codes are the same for all credit accounts. You should read the status code history from top (most recent) to bottom (oldest). This is the balance of the account at the time our records were last updated by the lender. This is the total amount you repaid in response to your last statement. This is the total outstanding balance shown on your previous statement. This is the total number of cash advances that you took out using your card since the lender last updated the information. This is the total value of the cash that you took out using your card since the lender last updated the information. An M shows whether the amount you paid in response to your last statement was equal to the minimum payment shown on that statement. If you repaid more or less than the minimum payment, this field will be blank. A Y shows that a promotional offer was applicable to some or part of the balance on your account when the lender last updated the information, such as a period of interest-free credit. 8 Council of Mortgage Lenders (CML) information This is recorded information on customers who have given up their homes or had them repossessed. If this includes you, you may see up to three addresses: the address which was repossessed or surrendered, along with your previous and forwarding address(es). 186 HIGH STREET, ANYTOWN, MIDSHIRE, A12 4CD MORTGAGE YOUR HOUSE PLC Forwarding address: - Possession order: 16/11/4 File updated for the period to: 24/12/2 Continued overleaf...

12 Lenders should only view your Experian Credit Report with your consent. If you have no knowledge of any search listed here, call CPP on This could be a sign that you re at risk for identity theft. 9 Previous searches When you apply for credit or obtain insurance quotes, lenders may view your Experian Credit Report to determine your credit worthiness. The following searches were undertaken on your report. 186 HIGH STREET, ANYTOWN, A12 4CD Date of birth: 9/1/72 Time at address: 3 years 7 months Searched on: 27/5/7 Searched by: Application type: LENDU MONEY LIMITED REVOLVING CREDIT 186 HIGH STREET, ANYTOWN, A12 4CD OPT OUT Date of birth: 9/1/72 Time at address: 3 years 6 months Searched on: 15/5/7 Searched by: Application type: HOPE BING AND LAMOUR LIMITED UNRECORDED ENQUIRY 186 HIGH STREET, ANYTOWN, A12 4CD Date of birth: 9/1/72 Time at address: 3 years 2 months Searched on: 9/3/7 Previously searched on: 8/4/6, 14/12/5, 13/3/4, 12/12/3 Searched by: EXPERIAN REPORT (1) Application type: CREDIT REPORT This information was provided to us by you when you applied for your Experian Credit Report via our website.

13 Make sure the names of your financial associates in this section match the names given in Financial associations. 1 Financial associate searches If a financial associate has applied for credit, the lender will check your Experian Credit Report. This section shows you those lenders who have viewed your report. 186 HIGH STREET, ANYTOWN, A12 4CD Date of birth: 9/1/72 Name of applicant: MR SIMON SOMEBODY Date of birth: 2/5/74 Date of application: 28/4/7 Searched by: PEARLY KING AND QUEEN STORES 186 HIGH STREET, ANYTOWN, A12 4CD Date of birth: 9/1/72 Name of applicant: MR SIMON SOMEBODY Date of birth: 2/5/74 Date of application: 5/12/6 Searched by: HONEST BANKING COMPANY LTD Continued overleaf...

14 If you see an address you don t recognise, this could mean you re vulnerable to identity theft. Call CPP on Linked addresses A history of your addresses, provided by lenders or you. Linked to: Source: 1 CITY ROAD, SOUTHTOWN, RIVERPORT, X43 2ZZ 186 HIGH STREET, ANYTOWN, MIDSHIRE HOPE BING AND LAMOUR LIMITED Date of information: 15/1/4 Linked to: Source: 1 CITY ROAD, SOUTHTOWN, RIVERPORT, X43 2ZZ 2 ELSEWHERE DRIVE, SOUTHTOWN, MERSEYSIDE LENDU MONEY LIMITED Date of information: 5/1/4 Linked to: 1 CITY ROAD, SOUTHTOWN, RIVERPORT, X43 2ZZ 186 HIGH STREET, ANYTOWN, MIDSHIRE Source: EXPERIAN CREDIT REPORT (2) Date of information: 15/4/6

15 12 CIFAS - The UK s Fraud Prevention Service This is for your protection. It s a fraud warning to potential lenders if you are, or have been, at risk for fraud. If lenders see this information, they know to take extra security precautions before granting credit in your name. Name used: MRS MARY JONES Date of birth used: 12/9/1967 Address used: 1, CITY ROAD, SOUTHTOWN, RIVERPORT, X43 2ZZ Date recorded: 8/12/6 Member name: Members address: Case reference: Product type: Type of case: Reason for referral: WATCHIT TV RENTAL Watchit House, Television Road, Tellytown, Southshire Z98 1VY 14AY24 PERSONAL CREDIT CARD FALSE IDENTITY FRAUD USE OF FALSE NAME WITH AN ADDRESS DATE OF BIRTH 13 Gone Away Information Network (GAIN) This shows that you ve moved without notifying a lender of your new address, while still owing money. Date of birth: 9/1/72 Last known at: Located at: By: 1, CITY ROAD, SOUTHTOWN, RIVERPORT, X43 2ZZ 186, HIGH STREET, ANYTOWN, MIDSHIRE MOBILE PHONE FIRM Reference: On: 9/3/5 Continued overleaf...

16 14 Notice of Correction An explanation to potential lenders provided by you regarding any issues on your Experian Credit Report. Reference: Page 1 /SOMEBODY I,, WISH TO MAKE IT CLEAR TO ANY POTENTIAL LENDER THAT THE HISTORY OF ARREARS ON THIS ACCOUNT WAS SOLELY THE RESULT OF REDUNDANCY AND NOT A RESULT OF ANY UNWILLINGNESS TO PAY. I WOULD LIKE TO STRESS THAT I AM NOW IN FULL TIME EMPLOYMENT AND ALL MY MONTHLY PAYMENTS ARE MADE ON TIME. SIGNED MRS J SOMEBODY. Added: 11/1/5 JPJ 15 Useful addresses Your lenders and other organisations addresses, so you can contact them with any questions. SOUTHTOWN COUNTY COURT ANYTOWN COUNTY COURT LENDU MONEY HOPE BING AND LAMOUR LIMITED MOBILE PHONE COMPANY SERVICES GENERAL BANK QUEENS HOUSE, ROYAL STREET SOUTHTOWN, U48 7RF 1, VICARY STREET, ANYTOWN, EW67 9RW MRS VERITY HELPFUL, CUSTOMER SERVICES (DATA PROTECTION), LENDU MONEY, CASH HOUSE, 2 NEARBY ROAD, CLOSETOWN, MIDDLESHIRE, KI14 8XZ CUSTOMER SERVICES, HOPE BING AND LAMOUR LIMITED, FRIENDS PLACE, HARDLY ANYWHERE, KV12 9YY MRS SHIRLEY ANSWER, CREDIT UNDERWRITING DEPT, MOBILE PHONE COMPANY SERVICES, MOBILE HOUSE, PARK STREET, NOWHERE LK76 5YH MR ANDRES QUERY, COLLECTION & LITIGATION DEPT, GENERAL BANK, GENERAL HOUSE, LOCAL ROAD, TOWNSPACE, TG98 4TR

17 Your Rights Plain English Campaign s Crystal Mark does not apply to the following text. Schedule 1 Regulation 4 (1) Credit reference agency files individuals (including sole traders). Your rights under Section 159 of the Consumer Credit Acts 1974 and 26 and under the Data Protection Act 1998, if you think any entry on your report is wrong. This statement of your rights is provided by Experian Ltd together with all the information we hold about you on our files. Your rights are as follows: If you think that any of the information we have sent you is wrong and that you are likely to suffer because it is wrong, you can ask us to correct it or remove it from our file. You need to write to us telling us what you want us to do. You should explain why you think the information is wrong. If you write to us, we have to reply in writing within 28 days. Our reply will tell you whether we have corrected the information, removed it from our file or done nothing. If we tell you that we have corrected the information, you will get a copy of the entry. If our reply states that we have done nothing, or if we fail to reply within 28 days, or if we correct the information but you are not happy with the correction, you can write your own note of correction and ask for it to be included on our file. To do this, you will need to write to us within 28 days of receiving our reply. If you did not get a reply from us and you want the information we sent you to be corrected, you will need to write to us within 8 weeks of the letter you wrote to us in which you asked us to correct the information or remove it from our file. Your letter will need to: Include the note of correction you have written. It must not be more than 2 words long and should give a clear and accurate explanation of why you think the information is wrong. If the information is factually correct but you think it creates a misleading impression, your note of correction can explain why. Ask us to add your note of correction to our file and to include a copy of it whenever we give anyone any of the information you think is wrong or any information based on it. If we accept your note of correction we will have to tell you in writing within 28 days that we are going to add it to our file. If we think it would be wrong to add your note of correction to our file, we have to apply for a ruling from the Information Commissioner s Office. We will apply for a ruling if we do not want to include your note of correction because we think it is wrong or because we think it is defamatory, frivolous or scandalous or unsuitable for publication for some other reason. We can only refuse to include your note of correction if the Commissioner agrees with us. If we have not written to you within 28 days of receiving your note of correction or if we have written telling you that we are not going to add your note of correction to our file, you can appeal to the Information Commissioner. If you want to do this, you will have to write to the following address: Information Commissioner, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF. Phone: Fax: mail@ico.gsi.gov.uk When you write, you must give the following details: Your full name and address. Details of the information you think is wrong, including why you think it is wrong, why you think you are likely to suffer because it is wrong and an indication of when you sent us your note of correction. It would be helpful to the Commissioner if you could include a copy of your note of correction. Before deciding what to do, the Commissioner may ask us for our side of the story and send us a copy of your letter. In return, you will be sent any comments we make. The Commissioner can make any order he thinks fit when he has considered your appeal. For example, he can order us to accept your note of correction and add it to our file. If at any stage we fail to correct or remove wrong information, you can ask the Information Commissioner to check whether we are meeting the requirements of the Data Protection Act The Data Protection Act 1998 requires us to take reasonable steps to check the accuracy of personal information. If you think we have failed to correct or remove wrong information about you, you have the right to ask the Information Commissioner at the above address, to check whether our dealing with your information has met this requirement. Important note: The various time limits referred to in this statement (mostly 28 days) start with the date following receipt and end with the day of delivery. Reminder Check your Experian Credit Report regularly to make sure everything is as it should be. If you see anything suspicious, take action. Call CPP to talk to a Personal Fraud Expert, or if you just have questions, on , 8am 8pm, 7 days a week. End of report.