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Personal Profile In this section you will find the personal information contained in your credit file, including: •Your legal name(s) •Any other names associated with your credit file(s) •Date of birth •Your address(es) •Your current & previous employers • Look for incorrect addresses or address changes that you did not authorize - these could be a sign that someone has stolen your identity and opened fraudulent accounts in your name, redirecting your mail to another address so that you don't find out about it.

Credit Summary This section gives you a summary of your credit standing and includes a snap shot of your accounts, debt, and delinquencies.

Types of Accounts: Real Estate Accounts = Primary and secondary real estate and mortgage loans Installment Accounts = Accounts with set payments and schedules, such as an auto loan Revolving Accounts = Bank cards (credit cards) & other accounts that carry a running balance in conjunction with available credit Collection Accounts = Accounts that have been turned over to a collection agent due to missed or passed due payments Report Terms: Count = # of accounts in each category Balance ($) = the total of all outstanding balances on the accounts within that category Payment ($) = the sum of all current minimum payments due at the time your report was pulled Current = # of accounts that have been paid on time within that category Delinquent = # of accounts that are past due Other = all other accounts not included in the given categories Open Accounts = total # of accounts open in your name Closed Accounts = total # of accounts that have been terminated Public Records = # of federal district bankruptcy records, state & county court records, tax liens and monetary judgments in your name Inquiries = # of times your credit file has been requested by a creditor in the past 6 months

Public Records This information comes from federal district bankruptcy records, wage items, state & 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. Report Terms: Type = type of public record (bankruptcy, tax lien, etc.) Date Filed = date your record was created Reference # = your record's legal identifying number Court = the court that has legal jurisdiction over your record Plaintiff = the person or company listed in the legal judgment Liability = $ amount for which the court decided you are legally responsible Asset Amount = $ amount of total personal assets taken into account in making the court decision

Credit Inquiries This section contains the names of those who have obtained a copy of your credit report.

Inquiries are commonly made by banks & department stores with which you have accounts, employers, and landlords. Anytime your credit report is pulled - whether you apply for a loan and the lender requests a copy of your report, or you order a copy of your credit report yourself directly from the credit bureau - an inquiry is added to your report There are 2 types of inquiries: Hard Inquiry = these are inquiries made by your creditors and lenders with whom you have applied for credit or a loan. When lenders order a copy of your credit report, they see only the inquiries made by other creditors and lenders with whom you applied for credit or a loan. Also, these are the only inquiries that are considered when calculating your credit rating and/or credit score. Soft Inquiry = these are made when you request your own copy of your report and/or when an employer checks out your credit history. Lenders and creditors do not see these inquiries when they pull your credit report; therefore, they do not use these inquiries to calculate your credit score and/or make loan decisions. Try to limit the number of hard inquiries placed on your report - lenders often consider a high number of inquiries as a sign of financial difficulty. Inquiries remain on your report for up to 2 years. Look for hard inquiries from company names you are unfamiliar with or did not authorize to check your credit report; these could signify credit fraud. NOTE: Your credit was not affected when QSpace.Com pulled your credit report for you because this is a soft inquiry. Information is listed as follows: Name of the person or company making the inquiry Reason for the inquiry or company's type of business Date your credit report was requested by the company

Account History This section includes specific information on each account you've opened in the past.

Positive information about your accounts remains on your report indefinitely. Check to see that all information is accurate & consistent between the bureaus (keep in mind that some creditors do not report to all 3 bureaus). Look for accounts you don't recognize - these could be accounts that were fraudulently opened in your name. Account Two Year History 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. Report Terms: Account Number = your account number Acct Type = type of account (Installment, Revolving, Open, etc.) Acct Status = status of your account (Open or Closed) Monthly Payment = last reported minimum payment due to the creditor Date Open = date your account was opened Balance = last reported $ amount due on the account Terms = # of periodic payments scheduled for the length of the payment term High Balance = highest $ amount you have ever owed on the account Limit = maximum amount of credit you have been approved for on the account Past Due = $ amount overdue to date Remarks = comments you or your creditor have recorded regarding the account Payment Status = additional comments regarding your payment history

PLUS Score Your PLUS Score is a user-friendly, consumer-focused credit score based on the information in your credit report. Your PLUS Score is calculated using a similar formula to those used by lenders, ranging from 330 to 830, with a higher score indicating lower credit risk.

Credit scoring helps potential lenders, landlords, and employers quickly gauge an applicant's credit history. Your PLUS Score is determined using many of the same factors considered by credit-scoring companies. The Score Analysis section of your PLUS Score report provides more details about the factors that affect your score. Typically, a higher score indicates a lower credit risk to lenders. Be aware, though, that 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. The PLUS Score allows you to know where you stand regardless of which scoring model may be used to assess your credit. Different Ways to View Your PLUS Score Your PLUS Score is presented in three formats in order that you may better understand your credit history. Three-digit Number The most common way scores are viewed is numerically. Your PLUS Score is calculated as a three-digit number and uses a scale widely accepted by those in the lending industry, ranging from 330 to 830. Like most score models, the higher your PLUS Score value, the lower your credit risk. Credit Category These categories offer you an alternative way to understand how your credit score looks in a "good" vs. "poor" perspective. Although each lender has different criteria on how they weigh different factors, you may likely receive the best loans and terms if you fall in the "good" or "excellent" category. This scale is to be used as an educational tool and is not a guarantee that you will be approved or turned down by lenders. The Percentile Value The percentile value is a way to see how your credit score compares to the rest of the U.S. population. The percentile scale is calculated using a sample of more than one million credit reports from U.S. consumers. The higher your percentile ranking, the more likely you are to be seen as a favorable loan prospect by lenders. Some statistics about the score distribution (percentiles): 15% of the US population is below 600 35% of the US population is below 670 50% of the US population is below 710 70% of the US population is below 755 90% of the US population is below 790 Score Analysis Your PLUS Score is calculated using information from your credit report on the day it is calculated. It is based on multiple factors similar to what lenders use. To better understand what factors negatively and positively affect your PLUS Score, please refer to the Score Analysis section of your PLUS Score report. Factors Not Used By law, factors that are NOT used in calculating your PLUS Score include age, sex, and race. These factors are excluded from credit scoring to eliminate bias and discrimination from the decision process. Contact Us - If this doesn't answer your question please contact us.

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