Credit Reports

Sample 3 Bureau Online Credit Report
Please click on the section you wish to learn about.

Prepared for: JOHN CONSUMER

Report Date: Sept 27, 2003

Personal Profile

Here you will find the personal information contained in your credit file, including your legal name(s), address(es), current and previous employers, and date of birth.

Name:

JOHN CONSUMER

JOHN M CONSUMER

Also Known As:

JOHN CONSUMER

N/A

CONSUMER, JOHN M

Year of Birth:

1976

N/A

Address(es):

1000 WESTMINSTER
GARDEN GROVE CA 92620

1001 NEWHOPE WAY
SANTA ANA CA 92707

1003 BOWLING WY SANTA
MONICA CA 94704

1000 WESTMINSTER
GARDEN GROVE CA 92620

1001 NEWHOPE WAY
SANTA ANA CA 92707

1003 BOWLING WY SANTA
MONICA CA 94704

1001 NEWHOPE WAY
SANTA ANA CA 92707

1000 WESTMINSTER
GARDEN GROVE CA 92620

Current Employer:

CONSUMERINFO.COM

No Employment details listed

TIME WARNER

Previous Employer(s):

IPLACE.COM

N/A

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Credit Summary

This section gives you a broad look at your current and past credit status. Here you’ll find the total number of closed and open accounts in your name, the total balance on those accounts, whether you have any delinquencies, and the number of inquiries made into your credit file within the past 6 months.

Real Estate Accounts:

Count:

Balance ($):

Current:

Delinquent:

Other:

Revolving Accounts:

Count:

Balance ($):

$64

$316

Current:

Delinquent:

Other:

Installment Accounts:

Count:

Balance ($):

Current:

Delinquent:

Other:

Other Accounts:

Count:

Balance ($):

Current:

Delinquent:

Other:

Collection Accounts:

Count:

Balance ($):

Current:

Delinquent:

Other:

Total Accounts:

Count:

Balance ($):

$64

$316

Current:

Delinquent:

Other:

Accounts Summary:

Open Accounts:

Closed Accounts:

Public Records:

Inquiries (Prev 6 Months):

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Public Records

The information in this section comes from federal district bankruptcy records, state and county court records, tax liens and monetary judgments, and in some states, overdue child support records. Public records remain on your credit report for 7-10 years.

Type:

Suit

Date Filed:

Jan 12, 1998

Reference #:

AB23456

Court:

US DIST CT

Plaintiff:

MARY HARDT

Liability:

N/A

Asset Amount:

N/A

Type:

Bankruptcy: CH-13 Filed

Bankruptcy Chapter13-petition filed

Chapter 13 bankruptcy filing

Date Filed:

Jun 19, 1997

Reference #:

CN94847

Court:

US DIST CT

U.S. HIGHEST COURT

NY City Court

Plaintiff:

N/A

Marry Jones

KRISTINA CONSUMER

Liability:

$4,526

$25,652

$50,000

Asset Amount:

$7,580

$25,600

$30,000

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Credit Inquiries

This section contains the names of those who obtained a copy of your credit report. Inquiries remain on your report up to two years.

ROB/MAY RGCC

Department, variety, local, regional, and national chains

Nov 10, 2001

BANANA REPUBLIC/MCCBG

Sales Financing Company

Jun 2, 2001

ROBINSONS MAY

General Clothing Stores

Feb 14, 1996

MBNA

Banks and S&Ls

Jan 6, 2000

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Account History

This section contains the names of those who obtained a copy of your credit report. Inquiries remain on your report up to two years.

BANANA REPUBLIC

Account Number:

1212121212XXXX

We did not find information for this account.

212XXXX

Acct Type:

Revolving or Option

Revolving account

Acct Status:

Open

Monthly Payment:

Date Open:

Jun, 2001

Balance:

Terms:

N/A

High Balance:

$1,400

Limit:

N/A

$1,400

Past Due:

Remarks:

CHARGE

N/A

Payment Status:

Pays account as agreed

Paid or paying as agreed

Account Two Year History

Year:	Year 1												Year 2
				2000 >												2001 >
Month:	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6
Equifax:
Transunion:

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MCCBG/OLD NAVY

Account Number:

131313XXXX

313133XXXX

31313334XXXX

Acct Type:

Revolving or Option

Revolving Charge Account

Revolving account

Acct Status:

Open

Monthly Payment:

Date Open:

Dec, 2000

Balance:

Terms:

N/A

Revolving

N/A

High Balance:

$900

$19

Limit:

N/A

$900

Past Due:

Remarks:

CHARGE

N/A

Payment Status:

Pays account as agreed

Current

Paid or paying as agreed

Account Two Year History

Year:		Year 1												Year 2
	2000 >												2001 >
Month:		11	12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10
Equifax:
Experian:
Transunion:

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MBNA AMERICA

Account Number:

141414XXXX

1414XXXX

Acct Type:

Revolving or Option

Credit Card - Revolving Terms

Revolving account

Acct Status:

Open

Monthly Payment:

Date Open:

Jan, 2000

Balance:

Terms:

N/A

Revolving

N/A

High Balance:

N/A

Limit:

$4,000

Past Due:

Remarks:

CREDIT CARD

N/A

Payment Status:

Pays account as agreed

Current

Paid or paying as agreed

Account Two Year History

Year:	Year 1												Year 2
2000 >											2001 >
Month:	12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10	11
Equifax:
Experian:
Transunion:

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MACY'S WEST/GECCCC

Account Number:

151515151515XXXX

1515XXXX

151351XXXX

Acct Type:

Revolving or Option

Revolving Charge Account

Revolving account

Acct Status:

Open

Monthly Payment:

Date Open:

Apr, 1999

Balance:

Terms:

N/A

Revolving

N/A

High Balance:

$267

Limit:

$600

Past Due:

Remarks:

CHARGE

N/A

Payment Status:

Pays account as agreed

Current

Paid or paying as agreed

Account Two Year History

Year:	Year 1												Year 2
2000 >											2001 >
Month:	12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10	11
Equifax:
Experian:
Transunion:

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WFN VICTORIA'S SECRE

Account Number:

171717171717XXXX

17171717234XXXX

17171717171732XXXX

Acct Type:

Revolving or Option

Revolving Charge Account

Revolving account

Acct Status:

Open

Monthly Payment:

Date Open:

Mar, 1999

Balance:

Terms:

N/A

Revolving

N/A

High Balance:

$1,000

$20

Limit:

N/A

$1,000

Past Due:

Remarks:

CHARGE

N/A

Payment Status:

Too new to rate

Current

Unrated or bankruptcy

Account Two Year History

Year:		Year 1												Year 2
	2000 >												2001 >
Month:		11	12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10
Equifax:
Experian:

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DISCOVER FINANCIAL S

Account Number:

1818181818XXXX

8181818123XXXX

1818XXXX

Acct Type:

Revolving or Option

Credit Card - Revolving Terms

Revolving account

Acct Status:

Open

Monthly Payment:

$10

Date Open:

Feb, 1999

Balance:

$64

Terms:

N/A

Revolving

Minimum

High Balance:

$1,926

$1,988

$1,926

Limit:

N/A

$10,000

Past Due:

Remarks:

CREDIT CARD

N/A

Payment Status:

Pays account as agreed

Current

Paid or paying as agreed

Account Two Year History

Year:		Year 1												Year 2
	2000 >												2001 >
Month:		11	12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10
Equifax:
Experian:
Transunion:

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EXPRESS

Account Number:

191919191919XXXX

19191934XXXX

191919343SDXXXX

Acct Type:

Revolving or Option

Revolving Charge Account

Revolving account

Acct Status:

Open

Monthly Payment:

Date Open:

Nov, 1997

Balance:

Terms:

N/A

Revolving

N/A

High Balance:

$1,000

$277

Limit:

N/A

$1,000

Past Due:

Remarks:

CHARGE

N/A

Payment Status:

Pays account as agreed

Current

Paid or paying as agreed

Account Two Year History

Year:		Year 1												Year 2
	2000 >												2001 >
Month:		11	12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10
Equifax:
Experian:
Transunion:

		^Top of Page^

ROBINSONS/MAY

Account Number:

We did not find information for this account.

31313131XXXX

Acct Type:

Revolving Charge Account

Revolving account

Acct Status:

Open

Monthly Payment:

Date Open:

Jun, 1997

Balance:

Terms:

Revolving

N/A

High Balance:

$48

Limit:

N/A

Past Due:

Remarks:

N/A

Payment Status:

Current

Paid or paying as agreed

Account Two Year History

Year:		Year 1												Year 2
	2000 >												2001 >
Month:		11	12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10
Experian:
Transunion:

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WELLS FARGO

Account Number:

11011011011XXXX

1101101XXXX

110110110XXXX

Acct Type:

Revolving or Option

Credit Card - Revolving Terms

Revolving account

Acct Status:

Closed

Monthly Payment:

Date Open:

Dec, 1996

Balance:

Terms:

N/A

Revolving

N/A

High Balance:

$700

$383

$700

Limit:

N/A

$700

Past Due:

Remarks:

ACCOUNT CLOSED BY CONSUMER
PAID ACCOUNT / ZERO BALANCE

Credit line closed-consumer request-reported by subscriber

Account closed by consumer

Payment Status:

Pays account as agreed

Paid satisfactorily

Unrated

Account Two Year History

Year:	Year 1												Year 2
	1998 >												1999 >
Month:	10	11	12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9
Equifax:
Experian:
Transunion:

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MBNA AMERICA BANK NA

Account Number:

We did not find information for this account.

212121XXXX

12121XXXX

Acct Type:

Credit Card - Revolving Terms

Revolving account

Acct Status:

Open

Monthly Payment:

$15

Date Open:

Nov, 1993

Balance:

$252

Terms:

Revolving

Minimum

High Balance:

$1,488

Limit:

$20,400

$20,000

Past Due:

Remarks:

N/A

Payment Status:

Current

Paid or paying as agreed

Account Two Year History

Year:

Year 1

Year 2

2000 >

2001 >

Month:

Experian:

Transunion:

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Legend
	Current	90 Days Late
	No Data Provided*	120 Days Late
	30 Days Late	Chargeoff or Collection
	60 Days Late	Repossession or Foreclosure
		Payment Plan
*Sometimes the credit bureaus do not have information from a particular month on file.

PLUS Score

Your PLUS Score^SM is a numerical representation of your credit worthiness. The majority of lenders use some sort of scoring model to help predict what kind of credit risk you may be. For each bureau’s score and explanation, click on the colored tabs below.

Experian

This PLUS Score is based on information from your Experian credit report.
Your PLUS Score is calculated using the information in your credit report. Since information often differs among your three credit reports, your PLUS Score based on those reports will also vary.

Your Score is: 768 on a scale of 330 - 830		Click here for 0-100 scale
Your Credit Category is:
Percentile: Your credit ranks higher than 80% of U.S. consumers.


About your PLUS Score:
Your PLUS Score is formulated using the information in your credit file. Your PLUS Score can range between 330 and 830, with a higher credit score indicating a lower risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose: to summarize your credit worthiness. Keep in mind that your credit score is just one factor used in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan.
What your PLUS Score means:
Factors in your credit file indicate you have excellent credit. Lenders will likely offer you the best rates and terms. Continue practicing good credit behavior and you should have no problem receiving favorable loan terms and offers with little to no down payments.
What this Means to You:
Credit scoring can also help companies better understand how to serve you. And, the overall benefits of credit scoring are passed on to the consumer, such as faster credit approval, reduction in human error and bias, consistency, and better terms and rates for you through reduced costs and losses for lenders. While lenders may use different scoring models to determine how you score, and each major credit bureau has its own method for calculating credit scores, the scoring models have been fairly well standardized so that a score at one bureau is roughly equivalent to the same score at another. Below are common factors that are both positively and negatively affecting your PLUS Score.
What factors lower your PLUS Score:
Each time a potential lender or landlord pulls your credit report for review, an inquiry is placed on your file. Having too many inquiries to your credit report is negatively affecting your score. Inquiries stay on your credit report for up to two years, but they are not necessarily negative information. However, too many inquiries may indicate to lenders that you are trying to take on more new debt. Try to keep your inquiries to a minimum and apply for new credit sparingly. Your overall balances are close to your overall credit limits, which may be lowering your score. Having high credit limits shows lenders that you are responsible with your credit, but you should increase the cushion between your debt and your limits by paying down your balances so lenders don't perceive you as getting in more debt than you can handle.
What factors raise your PLUS Score:
You�ve paid your bills on time and currently do not have any overdue accounts or derogatory information, such as a collection, charge-off, or bankruptcy, on your report. You can be proud of the fact that you are building a good credit score, so continue with the positive credit behavior! Your average credit limit for your major credit cards, such as VISA or MasterCard, is high. This tells lenders that you have enough financial experience and will be more likely to see you as a good credit risk. Keep paying all your bills on time and work toward minimizing your outstanding balance and you should have no trouble obtaining high credit limits on future credit accounts.

DISCLAIMER

The PLUS Score^SM, developed by Experian, is not an endorsement or guarantee of your credit worthiness as seen by lenders. The different risk levels presented here are for educational use only. The PLUS Score provides the factors that raise and lower your score.

Please be aware that there are many scoring models used in the marketplace, and each lender�s scoring model has its own set of factors. How each lender weighs their chosen factors may vary, but the exact formula used to calculate your score is proprietary. But generally, the higher your score, the better your chances are of obtaining favorable rates and terms.

Your PLUS Score was calculated using your actual data from your credit file on the day that you request your PLUS Score, making it comparable to most scoring models in the industry. But keep in mind that other factors, such as length of employment and annual salary, are often taken into consideration by lenders when making decisions about you.

Also note that each bureau has its own set of data, resulting in a separate PLUS Score for each of your credit files.