EFTA00134142
Credit Profile Report
Unsurpassed data precision and file coverage
## Experian™
## The best decisions begin with the best information. The Credit Profile Report from Experian offers unparalleled accuracy and superior data quality generated by the File One system.
Experian's Credit Profile Report gives you the accurate, current and complete information you need to:
- Acquire new business — Make decisions about new customers and new accounts with speed and accuracy
- Manage customers — Monitor, evaluate and make decisions based on changes in the customer profile as they occur
- Maximize collections — Detect potential fraudulent activity and take action where your recovery chances are greatest
## File One™ is your key to profitable decision making
Complete — File One is the most comprehensive nationwide consumer credit information available.
Accurate — High-integrity, current information is provided.
Easy to read — Our format groups similar data elements together for faster analysis.
Flexible — Optional display formats are available.
Current and relevant credit information
- Higher hit ratios and more complete files
- Unique file matching system that examines many variables
## Saves you time and money
- Eliminates multiple inquiries
- Replaces manual searches for information
For your reference, a sample Credit Profile Report is provided on the following pages.
EFTA00134143
## Inquiry sample
## TCA1
| RTS 3122250X1J CONSUMER,JONATHAN QUINCY 999999990; |
| CONSUMER,NANCY CHRISTINE 123456789; |
| CA-10655 NORTH BIRCH STREET/BURBANK CA 91502,PH-714.555.1111,DL:CA N2345678; |
| PA-1314 SOPHIA LANE APT #3/SANTA ANA CA 92708-5678,Y-1951,T-04048060; |
| E-AJAX HARDWARE/2035 BROADWAY SUITE 300/LOS ANGELES CA 90019 |
## Credit Profile Report
TCA1
RTS 3122250X1J
CONSUMER.JONATHAN QUINCY\textcircled{b}
999999990;
CONSUMER,NANCY CHRISTINE
123456789;
CA-10655 NORTH BIRCH STREET/BURBANK CA 91502,
PH-714.555.1111, f
DL: CAN2345678; **9**
PA-1314 SOPHIA LANE APT #3/SANTA ANACA 92708-5678,
Y-1951, ➡️
T-04048060;
E-AJAX HARDWARE/2035 BROADWAY SUITE 300/LOS ANGELES CA 90019
## Experian's Credit Profile Report
Files on more than 215 million credit-active consumers nationwide are maintained in Experian's database. Your inquiry initiates a search of this database, which produces an applicant's credit history — the Credit Profile Report. An illustration and description of a sample Credit Profile Report follow.
Reminder: To ensure compliance with the Fair Credit Reporting Act, reasonable care should be taken to input accurate identification belonging to the consumer when requesting services.
## Inquiry
a Subscriber number and password
b Consumer's name
c Social Security number (SSN)
d Spouse's name and SSN
e Current address
f Telephone number
g Driver's license number
h Previous address
Year of birth
j Type of terms and amount
k Employment
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TCA1 RTS 3122250*** CONSUMER,JONATHAN QUINCY 999999990;CA-10655 NORTH BIRCH STREET/BURBANK CA 91502
PAGE 1 DATE 3-28-2006 TIME 11:19:56 V001 TCA1 $\textcircled{1}$
JONATHAN QUINCY CONSUMER $\textcircled{2}$
10655 N BIRCH ST
BURBANK CA 91502-1234
RPTD: 4-01 TO 1-04 U 3X
LAST SUB: 2390446 $\textcircled{3}$
SS: 999-99-9990
234-56-7891*
123-45-6789*
DOB: 1/10/1951
E: AJAX HARDWARE ❼
2035 BROADWAY SUITE 300
LOS ANGELES CA 90019
RPTD: 6-04 I
*1314 SOPHIA LN APT 3
SANTA ANA CA 92708-5678 $\textcircled{4}$
RPTD: 1-99 U 1X
LAST SUB: 1199999
E: BELL AUTOMOTIVE
111 MAIN STREET
BURBANK CA 91503
RPTD: 5-97 TO 11-02 I
$$\textcircled{5}$$ *2600 BOWSER ST #312
LOS ANGELES CA 90017-9876
RPTD: 9-97 I$$
*JACK CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR
## Consumer identifying information
1 A code that identifies the Experian or credit reporting agency office nearest to the consumer's current address. Used for consumer referrals.
2 Consumer's name and address, including time frame reported, source and number of subscribers reporting the address.
U = Update tape
I = Inquiry
M = Manual data
P = PDS — Experian's proprietary data source
5 An asterisk preceding any address indicates the address did not match inquiry address.
4 Consumer's previous addresses with source, in order by reliability of source.
3 Last subscriber reporting the consumer at his or her current address.
6. Consumer's Social Security number and other Social Security numbers reported on the consumer's file, in descending order based on number of occurrences reported; asterisk denotes any social not matching inquiry input social.
7 Consumer's year of birth or date of birth.
8 Employer's name and address, including time frame reported and source.
U = Update tape
I = Inquiry
9 Previous employer's name and address, with time frame reported and source.
10 Alternate names such as different, previous surnames or nicknames associated with the consumer's file.
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DEMOGRAPHICS
PH: 818.555.1111 UR
GEO: 35 123 456789 0 1234
PH: 706.432.9876 IB
PH: 213.876.1234 UB
INPUT SSN RECORDED AS DECEASED
DOB: 1-10-1951 DOD: 3-30-2004
INPUT SSN ISSUED 1965-1966
TELEPHONE NUMBER INCONSISTENT W/ADDRESS
FROM 12-01-05 INQ COUNT FOR SSN=5
FROM 12-01-05 INQ COUNT FOR ADDRESS=15
INQ: PHONE ANSWERING SERVICE:
ABC ANSWER-ALL
10655 N BIRCH ST
BURBANK CA 91502
FILE: COMMERCIAL BUSINESS ADDRESS:
J&J INVESTMENTS
2600 BOWSER STREET #312
LOS ANGELES CA 90017
213.111.2222
PROFILE SUMMARY
PUBLIC RECORDS----3
INSTALL BAL--$27,750
R ESTATE BAL-$263,551
REVOLVNG BAL--$2,123
| Formula |
|---|
| PAST DUE AMT--$3,644 |
| SCH/EST PAY---$1,327 |
| R ESTATE PAY--$1,887 |
| REVOLVNG AVAIL---77% |
| CNT | 05/03/05/23 |
|---|
| INQUIRIES--3 | SATIS ACCTS---6 |
| INQS/6 MO--3 | NOW DEL/DRG---2 |
| TRADELINE-10 | WAS DEL/DRG---2 |
| PAID ACCT--1 | OLD TRADE-12-89 |
## SCORE SUMMARY
VANTAGESCORE
SCOREX PLUS NEW ACCT
BANKRUPTCY PLUS
= 611 SCORE FACTORS: 91, 50, 12, 31
= 518 SCORE FACTORS: 61, 63, 40, 56
= 1040 SCORE FACTORS: 39, 48, 90, 34
## Demographics
Demographics contains the consumer's telephone number (including source and phone type):
R = Residential
B = Business
C = Cellular
P = Pager
T = Pay telephone
F = Fax
I = Institution
Also includes GEO code of the current address. Optional by contacting your Experian sales representative.
## D Fraud Shield™ Summary
Fraud Shield™ Summary contains messages related to the Fraud Shield fraud prevention services. Optional with SHIELD keyword on inquiry or contact your Experian sales representative.
## Profile Summary
Profile Summary contains 17 significant calculations from the Credit Profile Report. Optional with PSUM keyword on inquiry or contact your Experian sales representative.
## Score Summary
Risk model scores are generated if you use Experian’s credit risk models. Optional with RM keyword on inquiry or contact your Experian sales representative. May also optionally display score factor code definitions.
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| PUBLIC RECORD | | | | |
|---|
| *SO CALIF DISTRICT COURT | 6-21-03 | 7-01-04 | 3011111 | $12,450 | CO LIEN REL |
| C#: 45078321 | 1 | BP: B476P2109 | 19 | 14 | 15 |
| *COUNTY SPR CT SANTA ANA | 9-19-03 | | 3019999 | $1,200 | CIV CL JUDG |
| D#: 7505853 | 1 | BP: B1234P50987 | PLAINTIFF: ALLIED COMPANY | 20 |
| *U S BANKRUPTCY COURT | 6-12-00 | 1-11-01 | 3009999 | $129,803-L | BK 7-PETIT |
| D#: 350545399062345612 | | | $85,500-A VOLUN | |
| 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 10-03 $1,590-O |
| 3980999 YC COL 1 | 12-25-06 | $1,590 | 11-03 | (28) | COLLACCT |
| 98E543182136 | | | $1,590 | 11-03/G | GGGG-GGGG-GG |
a ORIGINAL CREDITOR: MEDICAL PAYMENT DATA ACCOUNT INFORMATION DISPUTED BY CONSUMER** **DEBT BEING PAID THROUGH INSURANCE** |
| *ISLAND SAVINGS 3-03 $500-L $775-H PAID CUR WAS 30 |
| 1211248 BC CRC REV 2 | 4-20-05 | | 4-05 | (26) | BCCCCCCCCCCC |
| 405855254820 | 4-05 | | | | CCC1CCCCCCC |
| **ACCOUNT CLOSED AT CONSUMER'S REQUEST** |
| HEMLOCKS 25 | 2-05 | $2,000-L | | OPEN | CURR ACCT |
| 2313849 DV ISC 024-D 3 | 6-10-06 | $2,000 | 2-05 | (17) | NNNNNNNNNNNNN |
| b DEFERRED PAYMENT START DATE: 03/01/2007 |
## Public records
Public record information consists of bankruptcies, liens and civil actions against a consumer.
11 Reporting court's name.
12 Original filing date with court.
13 Status date if status is satisfied, released, vacated, discharged or dismissed.
14 Reporting court's subscriber number.
16 Type of public record.
18 Code describing the consumer's association to the public record item per the Equal Credit Opportunity Act.
15 Amount of public record.
17 Certificate ID or docket number.
19 Book and page number.
20 Plaintiff's name.
21 Liability and asset amounts for bankruptcies only.
22 Voluntary indicator only; may display as VOLUN if consumer voluntarily dismissed bankruptcy.
## Trades
Any or all of the following information may appear if provided by a subscriber:
a. Original credit grantor name for third-party collection agency tradelines
b. Balloon payment information (date and amount) or deferred payment start date for deferred loans
23 Compliance condition code reported by a subscriber to distinguish accounts that are "Closed by Consumer" and/or "Disputed Accounts."
24 Special comments reported by a subscriber or consumer to distinguish accounts that may require special handling.
25 "D" indicates the terms of the loan have been deferred to a future date.
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| | 9-05 | $21,424-O | | OPEN | DELINQ 30 |
|---|
| *CENTRAL BANK | | 12-28-06 | $19,814 | 2-06 | ( 6) | 1CCCCC |
| 1132912 BI AUT 59 | | | $400 | $400 | | |
| 23802654388 | | | | | | |
| *MOUNTAIN BANK | | 10-02 | $43,337-O | | OPEN | 60 4+ TIMES |
| 1119999 BI SEC 60 1 | | 4-06-06 | $4,346 | 4-06 | (42) | 21-1C1C111CC2 |
| 3562A019732534 | | 2-06 | $827 | $1654 | 11-03/1 | 2211CC211111 |
| | | | | | |
| *BAY COMPANY | | 6-95 | $1,730-L | $2,437-H | BK7PET | CHARGOFF |
| 2390446 DC CHG REV 1 | | 7-07-00 | $0 | 7-00 | (62) | 9LL665432121C |
| 525556601 | | 10-99 | | | | CC-CCCCCCCCC |
c. Mortgage Identification Number (MIN) for mortgage tradelines
26 An asterisk preceding public record information or a tradeline indicates that information may need further review.
27 Reporting subscriber's name.
28 Reporting subscriber's number.
29 KOB (Kind of Business) Code describes a subscriber's business. The first letter designates an industry. The second character more narrowly defines a subscriber's business.
30 Type of account.
34 Date the account was opened.
32 Code describing consumer's association to the account per the Equal Credit Opportunity Act.
31 Terms of account.
33 Consumer's account number.
35 Balance date is the date of the subscriber's reported update on account.
36 Date of consumer's last payment on the account.
37 Amount of the loan or credit established.
38 Indicates if the amount is an original loan (O), credit limit (L), high balance (H), initial charge-off (C) or unknown (blank).
39 Current balance on the account.
40 Payment amount the consumer is scheduled to pay on the account.
42 The amount past due for the account.
41 Payment level date is the current status date.
44 Months reviewed indicates the total number of months history has been maintained for the account.
43 The account condition indicates the current condition of account.
45 Maximum delinquency and payment code is the most recent date and code of the worst status.
46 Payment status comments reflect the payment history of the account as of the balance date.
47 Consumer's payment history during the past 25 months beginning with the month represented by the balance date. The codes reflect the status of the account for each month and are displayed for balance reporting subscribers only:
C Current
N Current account/Zero balance — no update tape received for this trade
0 Current account/Zero balance — reported on update tape
1 30 days past the due date
2 60 days past the due date
3 90 days past the due date
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| STATE BANK | | 12-89 | $15,000-L | $8,479-H | OPEN | CURR ACCT |
|---|
| 1299987 BC CRC REV | 1 | 2-27-06 | $2,123 | 2-06 | (50) | CCCCCCCCCCCCC |
| 4271008232 | | 2-06 | $100-A | | | CCCCCCCCCCCCC |
| ABC UTILITY COMPANY | | 6-00 | UNK | | OPEN | CURR | ACCT |
|---|
| 3591234 UT UTI | 1 | 1 2-28-06 | 2-06 | (1) C | | | |
| 268A3B86C8 | | 1-06 | | | | | |
| HEMLOCKS | 01-05-06 | 2313849 DC | |
| BAY COMPANY | 12-03-05 | 2390446 DC | $1,500 CHG REV |
| HILLSIDE BANK | 10-21-05 | 2240679 BC | |
*CONSUMER STATEMENT* 06& 01-20-06
ID FRAUD VICTIM 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 APPLICATION INFORMATION AT DAY 555-555-5555 OR EVENING 555-555-5555. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 01-20-06.
CONSUMER ASSISTANCE CONTACT: EXPERIAN
END -- EXPERIAN
| 4 | 120 days past the due date |
| :--- | :--- |
| 5 | 150 days past the due date |
| :--- | :--- |
6 180 days past the due date
7 Chapter 13 Bankruptcy (Petitioned, Discharged, Reaffirmation of debt rescinded)
8 Foreclosure proceeding, deed in lieu
9 Chapter 7, 11 or 12 Bankruptcy (Petitioned, Discharged, Reaffirmation of debt rescinded)
G Collection
K Repossession
H Foreclosure
J Voluntary surrender
L Charge-off
B Account condition change, payment code not applicable
| - (dash) | No history reported for that month |
| Blank | No history maintained; see payment status comment |
48 Two amounts may display. Indicates the account has a $12,500 (L)imit and the (H)ighest balance was $10,659.
49 Actual monthly payment is indicated by the “-A” directly after the monthly payment amount; represents the actual payment amount received by the lender for that reporting period.
Scheduled monthly payment is implied if there is no "-A" or "-E."
Estimated monthly payment is indicated by the "-E" directly after the monthly payment amount, calculated by Experian based on reporter's formula.
d. Portfolio "Sold To:" or "Purchased From:" name
## Inquiries
Inquiries indicate that a Credit Profile Report was received on that date by the subscriber listed. Inquiring subscriber name, number and KOB are shown. Type, terms and amount may display and are from the subscriber's inquiry input.
## Messages
The Messages section may include general consumer statements and informational or other special messages. Consumer statements relating to a tradeline or public record item appear directly after the item.
50 Name, address and telephone number of Experian's consumer assistance office or credit reporting agency nearest to the consumer's current address. Use for consumer referrals. Display is elective; contact your Experian sales representative.
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| 475 Anton Blvd. |
| :--- |
| Costa Mesa, CA 92626 |
| T: 1 888 414 1120 |
| www.experian.com |
© 2008 Exponian Information Solutions, Inc. • All rights reserved
Exponian and the marks used herein are service marks or registered trademarks of Exponian Information Solutions, Inc.
Other product and company names mentioned herein may be the trademarks of their respective owners.
11/05 • 1224/1538 • 4877-CS
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