CreditCheck(R) Total

Sample 3 Bureau Credit Report

Understand your entire credit history with your credit reports from all 3 credit bureaus.
And get all 3 scores FREE!

Prepared for: JOHN CONSUMER

Report Date: 9/26/2003

Personal Profile

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

EXPERIAN

EQUIFAX

TRANSUNION

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

1000 WESTMINSTER
GARDEN GROVE CA 92683-2531

1001 NEWHOPE WAY
SANTA ANA CA 92707-2420

1000 WESTMINSTER
GARDEN GROVE CA 92620

1003 BOWLING WY
SANTA MONICA CA 94704

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 open and closed accounts in your name, the total balance on those accounts, and delinquencies.

EXPERIAN

EQUIFAX

TRANSUNION

REAL ESTATE:

Count:

Balance:

$0.00

Current:

Delinquent

Other

REVOLVING:

Count:

Balance:

$64

$316

Current:

Delinquent

Other

INSTALLMENT:

Count:

Balance:

$0.00

Current:

Delinquent

Other

OTHER:

Count:

Balance:

$0.00

Current:

Delinquent

Other

COLLECTION:

Count:

Balance:

$0.00

Current:

Delinquent

Other

ALL:

Count:

Balance:

$64

$316

Current:

Delinquent

Other

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.

EXPERIAN

EQUIFAX

TRANSUNION

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

Plantiff:

N/A

Marry Jones

KRISTINA CONSUMER

Liability:

$4,526

$25,652

$50,000

Asset Amount:

$7,580

$25,600

$30,000

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.

EXPERIAN

EQUIFAX

TRANSUNION

WELLS FARGO BANK

Banks and S&Ls

1/1/2002

BANANA REPUBLIC/MCCBG

Sales Financing Company

6/2/2001

ROBINSONS MAY

General Clothing Stores

2/14/2001

MBNA

Banks and S&Ls

1/6/2001

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Account History

This section contains specific information on each account you've opened in the past. Positive information about your accounts remains on your report indefinitely.

BANANA REPUBLIC

EXPERIAN

EQUIFAX

TRANSUNION

Account Name:

BANANA REPUBLIC

Account Number:

1212 1212 1212 XXXX

We did not find information for this account.

1212XXXX

Acct Type:

Revolving or Option

Revolving account

Acct Status:

Open

Monthly Payment:

$0.00

Date Open:

6/1/2001

Balance:

$0.00

Terms:

N/A

High Balance:

$1,400.00

Limit:

$5,900.00

Past Due:

$0.00

Payment Status:

Pays account as agreed

Paid or paying as agreed

Comments:

CHARGE

N/A

24-Month Payment History

? Legend

Date:

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Jan

Experian:

Equifax:

TransUnion:

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MCCBG/OLD NAVY

EXPERIAN

EQUIFAX

TRANSUNION

Account Name:

MCCBG/OLD NAVY

Account Number:

1313 1313 1313 XXXX

1313XXXX

Acct Type:

Revolving Charge Account

Revolving or Option

Revolving account

Acct Status:

Open

Monthly Payment:

$0.00

Date Open:

12/1/2000

Balance:

$0.00

Terms:

Revolving

N/A

High Balance:

$19.00

$900.00

$19.00

Limit:

$900.00

N/A

$900.00

Past Due:

$0.00

Payment Status:

Current

Pays account as agreed

Paid or paying as agreed

Comments:

N/A

CHARGE

N/A

24-Month Payment History

? Legend

Date:

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Jan

Experian:

Equifax:

TransUnion:

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MBNA AMERICA

EXPERIAN

EQUIFAX

TRANSUNION

Account Name:

MBNA AMERICA

Account Number:

1414 1414 1414 XXXX

1414XXXX

Acct Type:

Credit Card - Revolving Terms

Revolving or Option

Revolving account

Acct Status:

Open

Monthly Payment:

$0.00

Date Open:

1/1/2000

Balance:

$0.00

Terms:

Revolving

N/A

High Balance:

N/A

$0.00

Limit:

$4,000

Past Due:

$0.00

Payment Status:

Current

Pays account as agreed

Paid or paying as agreed

Comments:

N/A

CREDIT CARD

N/A

24-Month Payment History

? Legend

Date:

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Jan

Experian:

Equifax:

TransUnion:

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WFN VICTORIA'#39;S SECRE

EXPERIAN

EQUIFAX

TRANSUNION

Account Name:

WFN VICTORIA'#39;S SECRET

WFN VICTORIA'#39;S SECREt

WFN VICTORIA'#39;S SECRET

Account Number:

1515 1515 1515 XXXX

1515XXXX

Acct Type:

Revolving Charge Account

Revolving or Option

Revolving account

Acct Status:

Open

Monthly Payment:

$0.00

Date Open:

3/1/1999

Balance:

$0.00

Terms:

Revolving

N/A

High Balance:

$20.00

$1,000.00

$0.00

Limit:

$1,000.00

N/A

$1,000.00

Past Due:

$0.00

Payment Status:

Current

Too new to rate

Unrated or bankruptcy

Comments:

N/A

CHARGE

N/A

24-Month Payment History

? Legend

Date:

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Jan

Experian:

Equifax:

TransUnion:

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Legend
OK	Current	90	90 Days Late
ND	No Data Provided*	120	120 Days Late
30	30 Days Late	KD	Key Derogatory**
60	60 Days Late	RF	Repossession or Foreclosure
		PP	Payment Plan

*Sometimes the credit bureaus do not have information from a particular month on file.
** For additional information on Key Derogatory, please see your Credit Report Guide.

PLUS Score^® Report

A PLUS Score is a numerical representation of your credit worthiness. The majority of lenders use some sort of credit 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.

Sample 3 Bureau Credit Report

Understand your entire credit history with your complete credit reports from all 3 credit bureaus.
And get all 3 scores FREE!

Prepared for: JOHN CONSUMER

Report Date: 9/26/2003

PLUS Score^® Report

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PLUS Score from 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 bureau reports, your PLUS Scores based on those reports will also vary.

Your PLUS Score is: 768 on a scale of 330 - 830.

Your Credit Category is:

Very Poor

Poor

Fair

Good

Excellent

Percentile: Your credit rating ranks higher than 81% of U.S. consumers.

Your PLUS Score Explanation

? Help

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:

Understanding what credit scoring is and what your individual PLUS Score means can help you improve or maintain your overall credit rating. 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 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.

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. This may help improve your credit score.

DISCLAIMER

The PLUS Score^®, 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. Your PLUS Score can help you understand what factors raise and lower your credit rating, as well as what you can do to improve your credit standing.

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 reports.