Is the
most common and standard type of report accessed.
Contains information from credit grantors, courts, and
collection agencies regarding the historical loans by
the consumer.
Personal Information
Name:
JOE W DOE SR
Date of Birth:
1931
SSN:
***-**-0000
Phone:
Address:
4915 ANYSTREET
ROAD
ANYCITY US
00000
Reported On:
8/1/2004; Reported
via A/R tape, but different from inquiry
Last Updated Date:
3/1/2006 (13)
Last Subcode:
000000
Address:
4565 S ANYSTREET
ROAD
ANYCITY US
00000
Reported On:
8/1/2005; Reported
via A/R tape, but different from inquiry
Last Updated Date:
8/1/2005 (0)
Last Subcode:
Address:
116
ANYSTREET DR
ANYCITY US
00000
Reported On:
5/1/2000; Reported
via A/R tape, but different from inquiry
Last Updated Date:
12/1/2004 (0)
Last Subcode:
Employment Information
Company Name: ANYCOMPANY
Date Hired:
Occupation:
Date Reported: 4/1/1900
Income:
Separation Date:
Company Name: TEST
COMPANY
Date Hired:
Occupation:
Date Reported: 3/1/1900
Income:
Separation Date:
Report Summary
Total # of Trades:
16
Current Trades:
11
Unrated Trades:
N/A
Curr Neg Trades:
3
Hist Neg Trades:
2
No. of Accts Paid:
4
Curr Past Due:
2
Amount Past Due:
$445
30 Days:
5
60 Days:
3
90+ Days:
5
Inquiries:
22
Inq. last 6 mnths:
1
Public Records:
0
Collections:
0
Oldest Trade:
10/1/1993
Accounts Balance:
$92,836
Mnthly Payment:
$1,276
Credit Limit:
$3,980
High Credit:
$120,480
Total Real Est.
Bal.:
$58,146
Total Rev. Bal.:
$25,998
Tot. Installment
Bal.:
$8,692
Available %:
20
Scorecards
Scorecard:
Experian/Fair Isaac Risk Model V2
Score:
451
Reasons:
(39) Serious delinquency
(10) Proportion of balance to high
credit on bank revolving or all
revolving accounts
(18) Number of accounts delinquent
(13) Length of time (or unknown
time) since account delinquent
Trade Lines
Firm Name/ID
Opened
Credit Limit
Balance
MoPmnt
30
60
90
Account Number
Reported
High Credit
Past Due
MoRep
Pattern
KOB
Acct. Type
Chargeoff
Orig. Amt.
Date Closed
Status
Lst. Paymnt.
Closed Ind
Owner
Terms
ANYCOMPANY
ASSN/0000000
8/1/2002
-
-
-
0
0
7
000000000000
3/28/2006
$1,500
-
62
All (Education Loan)
Installment
-
1500
-
(05)Account
transferred to another office.
-
closed
Individual
Unknown
(31)Transferred
to another lender or claim purchased
ANYCOMPANY
ASSN/0000000
4/1/1999
$3,010
$3,237
$96
1
1
0
000000000000
4/23/2006
$3,237
-
86
Bank (Check Credit Or
Line Of Credit)
Revolving
-
-
-
(78)Account
delinquent 60 days past due date.
2/1/2006
closed
Individual
Revolving
(19)Credit
line closed-consumer request-reported by
subscriber
ANYCOMPANY
ASSN/0000000
11/1/2004
-
-
-
0
0
0
000000000000
2/22/2005
$1,069
-
4
Personal (Installment
Sales Contract)
Installment
-
1069
-
(12)Account/paid
satisfactorily.
-
closed
Individual
24
ANYCOMPANY
ASSN/0000000
3/1/2005
-
-
-
0
0
0
000000000000
4/20/2005
$2,178
-
1
Personal (Secured By
Household Goods)
Installment
-
2178
-
(13)Paid
account/zero balance.
-
closed
Individual
24
ANYCOMPANY
ASSN/0000000
10/1/1993
-
-
-
0
0
0
000000000000
12/28/2002
$4,445
-
1
All (Auto Loan)
Installment
-
10259
-
(13)Paid
account/zero balance.
-
closed
Joint Account
65
ANYCOMPANY
ASSN/0000000
10/1/2004
-
$6,123
$132
1
1
1
000000000000
4/5/2006
$6,224
$380
8
Personal (Check Credit Or
Line Of Credit)
Revolving
-
-
-
(80)Account
delinquent 90 days past due date.
12/1/2005
open
Joint Account
Revolving
ANYCOMPANY
ASSN/0000000
7/1/2003
-
$1,738
$52
2
1
0
000000000000
4/13/2006
$1,801
$65
33
Bank (Credit Card, Terms
REV)
Revolving
-
-
-
(77)Account
was delinquent 60 days past due date/now 30
days past due date.
