Provides demographic and financial information that can be used by
employers to aid in the hiring process.
Personal
Information
Name:
JANE DOE
Date of Birth:
SSN:
000-00-0000
Phone:
On File Since:
5/24/1900
Address:
123 ANY ST
ANYCITY US 00000
Reported On:
7/1/1900
Address:
321 ANY RD
ANYCITY US 00000
Reported On:
10/1/1900
Address:
00 ANY ST
ANYCITY US 00000
Reported On:
3/1/1900
Employment
Information
Company Name: VI WUDGLQJ
FR VDQ O
Date Hired:
Occupation:
Date Reported:
Income:
Separation Date:
Company Name: PDULQ UHHI
ILVKHU FR OWG
Date Hired:
Occupation:
VDOHVPDQ
Date Reported:
Income:
Separation Date:
Report
Summary
Total # of Trades:
17
Current Trades:
17
Unrated Trades:
0
Curr Neg Trades:
0
Hist Neg Trades:
1
No. of Accts Paid:
5
Curr Past Due:
0
Amount Past Due:
$0
30 Days:
1
60 Days:
0
90+ Days:
0
Inquiries:
8
Inq. last 6 mnths:
5
Public Records:
0
Collections:
0
Oldest Trade:
1/1/1996
Accounts Balance:
$173,817
Mnthly Payment:
$1,487
Credit Limit:
$565,500
High Credit:
$565,500
Total Real Est.
Bal.:
$0
Total Rev. Bal.:
$173,817
Tot. Installment
Bal.:
$0
Available %:
69
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
ANY FIRM/0000000000
1/1/2003
$162,000
$155,000
$1,265
-
-
-
2/1/2007
$162,000
$0
39
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
11/1/2006
Joint
-
ANY ACCOUNT
REAL ESTATE MORTGAGE
FTBNT/0000000000
10/1/2001
$17,000
$0
$289
-
-
-
2/1/2007
$17,000
$0
60
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
7/1/2006
Individual
-
PAID ACCOUNT / ZERO
BALANCE
SECURED
ANYFIRM/0000000000
1/1/2003
$162,000
$0
$859
-
-
-
2/1/2007
$162,000
$0
3
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
5/1/2003
Joint
-
ACCOUNT TRANSFERRED OR
SOLD
REAL ESTATE MORTGAGE
ANYCOMPANY/000000000
1/1/2001
$166,000
$0
$995
-
-
-
2/1/2007
$166,000
$0
23
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
12/1/2002
Joint
-
REAL ESTATE MORTGAGE
/000000000
1/1/2001
$166,000
$0
$995
-
-
-
2/1/2007
$166,000
$0
23
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
12/1/2002
Joint
-
REAL ESTATE MORTGAGE
/0000000000
10/1/2001
$17,000
$0
$289
-
-
-
2/1/2007
$17,000
$0
60
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
7/1/2006
Individual
-
MEDICAL
PAID ACCOUNT / ZERO
BALANCE
ANYCOMPANY/000000000
4/1/2002
$13,000
$593
$10
-
-
-
12/1/2006
$13,000
$0
55
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
11/1/2006
Individual
-
CREDIT CARD
AMOUNT IN H/C COLUMN IS
CREDIT LIMIT
/0000000000
1/1/1996
$4,000
$1,900
$48
-
-
-
11/1/2006
$4,000
$0
65
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
10/1/2006
Joint
-
CREDIT CARD
AMOUNT IN H/C COLUMN IS
CREDIT LIMIT
ANYFIRM/0000000000
6/1/2004
$10,000
$3,144
$58
-
-
-
11/1/2006
$10,000
$0
23
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
11/1/2006
Joint
-
AMOUNT IN H/C COLUMN IS
CREDIT LIMIT
/0000000000
12/1/2005
$13,000
$4,068
-
-
-
-
12/1/2006
$13,000
$0
12
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
12/1/2006
Individual
-
CREDIT CARD
AMOUNT IN H/C COLUMN IS
CREDIT LIMIT
ANYCOMPANY/0000000000
11/1/2002
$8,500
$0
-
1
0
0
11/1/2006
$8,500
$0
48
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
5/1/2006
Individual
-
ACCOUNT CLOSED BY
CONSUMER
CREDIT CARD
ANYCOMPANY/0000000000
12/1/2005
$12,700
$4,068
-
-
-
-
12/1/2006
$12,700
$0
12
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
12/1/2006
Individual
-
CREDIT CARD
AMOUNT IN H/C COLUMN IS
CREDIT LIMIT
ANYCOMPANY/0000000000
6/1/2004
$10,000
$3,144
$58
-
-
-
11/1/2006
$10,000
$0
23
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
11/1/2006
Joint
-
AMOUNT IN H/C COLUMN IS
CREDIT LIMIT
ANYCOMPANY/0000000000
7/1/2001
$300
$0
-
-
-
-
11/1/2006
$300
$0
64
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
11/1/2006
Joint
-
CHARGE
AMOUNT IN H/C COLUMN IS
CREDIT LIMIT
ANYFIRM/0000000000
1/1/1996
$4,000
$1,900
$48
-
-
-
11/1/2006
$4,000
$0
65
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
10/1/2006
Joint
-
CREDIT CARD
AMOUNT IN H/C COLUMN IS
CREDIT LIMIT
ANYCOMPANY/0000000000
10/1/1997
$4,500
$0
-
-
-
-
10/1/2006
$4,500
$0
99
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
10/1/2006
Joint
-
AMOUNT IN H/C COLUMN IS
CREDIT LIMIT
ANYCOMPANY/0000000000
8/1/2005
$3,612
$0
-
-
-
-
11/1/2005
$3,612
$0
3
-
-
Rev/Opt
0
0
-
(1)Pays account as
agreed
11/1/2005
Individual
-
CHARGE
AMOUNT IN H/C COLUMN IS
CREDIT LIMIT
Inquiries
Date
Subscriber Name
Subscriber #
Amount
Mkt.
SubMkt.
KOB
2/2/2007
ANYCOMPANY
0000000000
12/28/2006
ANYCOMPANY
0000000000
12/28/2006
ANYCOMPANY
0000000000
12/27/2006
ANYCOMPANY
0000000000
11/7/2006
ANYCOMPANY
0000000000
12/4/2005
ANYCOMPANY
0000000000
9/19/2005
ANYCOMPANY
0000000000
9/1/2005
ANYCOMPANY
0000000000
Account
Detail
Number
Name
Phone
Address
0000000000
ANYCOMPANY
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
0000000000
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
123 ANY
ST ANYCITY US
00000-0000
0000000000
ANYCOMPANY
123 ANY
ST ANYCITY US
00000-0000
Warning
Messages
SAFESCANNED: Your inquiry has
gone through our SAFESCAN data base.
(FACT ACT) Address
Discrepancy Indicator: No substantial difference
occurred
Consumer Statement:
3/1/2007-EMPLOYER: BEFORE TAKING ADVERSE ACTION IN
AN EMPLOYMENT DECISION BASED ON A PERSONA REPORT,
THE FCRA REQUIRES YOU TO PROVIDE THE CONSUMER WITH
A COPY OF THE CONSUMER REPORT, ALONG WITH A
WRITTEN DESCRIPTION OF THE CONSUMER'S RIGHTS UNDER
THE FCRA EQ UIFAX HAS PROVIDED YOUR COMPANY WITH
COPIES OF THE CONSUMER'S RIGHTS STATEMENTS FOR
THIS PURPOSE.
INQR Subject's SSN is
000-00-0000;year issued: 1900;state:
US
Legal
Summary Statement
Para informacion en
espanol, visite www.ftc.gov/credit o escribe a
la FTC Consumer Response Center, Room 130-A 600,
Pennsylvania Ave. N.W., Washington, D.C.
20580.
A summary of your rights
under the Fair Credit Reporting Act: the Federal
Fair Credit Reporting Act (FRAY) promotes the
accuracy, fairness, and privacy of information
in the files of consumer reporting agencies.
There are many types of consumer reporting
agencies, including credit bureaus and specialty
agencies (such as agencies that sell information
about check writing histories, medical records,
and rental history records). Here is a summary
of your major rights under the FRAY. For more
information, including information about
additional rights, go to www.ftc.gov/credit or
write to: Consumer Response Center, Room 130-A,
Federal Trade Commission, 600 Pennsylvania Ave.
N.W., Washington, D.C. 20580.
*
You must be told if information in your file has
been used against you.*
Anyone who uses a credit
report or another type of consumer report to
deny your application for credit, insurance, or
employment - or to take another adverse action
against you - must tell you, and must give you
the name, address, and phone number of the
agency that provided the information.
*
You have the right to know what is in your
file.*
You may request and obtain
all the information about you in the files of a
consumer reporting agency (your "file
disclosure"). You will be required to provide
proper identification, which may include your
social security number. In many cases, the
disclosure will be free. You are entitled to a
free file disclosure if:
*
A person has taken adverse action against you
because of information in your credit report * You are the victim of
identity theft and place a fraud alert in your
file * Your file
contains inaccurate information as a result of
fraud * You are on
public assistance * You
are unemployed but expect to apply for
employment within 60 days.
In
addition, by September 2005 all consumers will
be entitled to one free disclosure every 12
months upon request from each nationwide credit
bureau and from nationwide specialty consumer
reporting agencies. See www.ftc.gov/credit for
additional information.
*
You have the right to ask for a credit score.*
Credit scores are numerical
summaries of your credit-worthiness based on
information from credit bureaus. You may request
a credit score from consumer reporting agencies
that create scores or distribute scores used in
residential real property loans, but you will
have to pay for it. In some mortgage
transactions, you will receive credit score
information for free from the mortgage
lender.
* You have the right to
dispute incomplete or inaccurate
information.*
If you identify information
in your file that is incomplete or inaccurate,
and report it to the consumer reporting agency,
the agency must investigate unless your dispute
is frivolous. See www.ftc.gov/credit for an
explanation of dispute procedures.
*
Consumer reporting agencies must correct or
delete inaccurate, incomplete, or unverifiable
information.*
Inaccurate, incomplete or
unverifiable information must be removed or
corrected, usually within 30 days. However, a
consumer reporting agency may continue to report
information it has verified as accurate.
*
Consumer reporting agencies may not report
outdated negative information.*
In
most cases, a consumer reporting agency may not
report negative information that is more than
seven years old, or bankruptcies that are more
than 10 years old.
* Access to your file is
limited.*
A consumer reporting agency
may provide information about you only to people
with a valid need -- usually to consider an
application with a creditor, insurer, employer,
landlord, or other business. The FRAY specifies
those with a valid need for access.
*
You must give your consent for reports to be
provided to employers.*
A
consumer reporting agency may not give out
information about you to your employer, or a
potential employer, without your written consent
given to the employer. Written consent generally
is not required in the trucking industry. For
more information, go to www.ftc.gov/credit.
*
You may limit "prescreened" offers of credit and
insurance you get based on information in your
credit report.*
Unsolicited "prescreened"
offers for credit and insurance must include a
toll-free phone number you can call if you
choose to remove your name and address from the
lists these offers are based on. You may opt-out
with the nationwide credit bureaus at
1-888-5-OPTOUT (1-888-567-8688).
*
You may seek damages from violators.*
If
a consumer reporting agency, or, in some cases,
a user of consumer reports or a furnisher of
information to a consumer reporting agency
violates the FRAY, you may be able to sue in
State or Federal Court.
*
Identity theft victims and active duty military
personnel have additional rights.*
For more information, visit
www.ftc.gov/credit.
States may enforce the
FRAY, and many states have their own consumer
reporting laws. In some cases, you may have more
rights under State Law. For more information,
contact your State or Local Consumer Protection
Agency or your State Attorney General. Federal
enforcers are:
Type of
business:
Contact:
Consumer
Reporting Agencies, Creditors and others not
listed Below
Federal
Trade Commission: Consumer Response Center -
FRAY Washington, D.C. 20580 * 1-877-382-4357
Consumer
Reporting Agencies, Creditors and others not
listed Below
Federal
Trade Commission: Consumer Response Center -
FRAY Washington, D.C. 20580 * 1-877-382-4357
National
Banks, Federal Branches /Agencies of Foreign
Banks (word "National" or initials "N.A."Appear
in or after bank's name)
Office of
the Comptroller of the Currency Compliance
Management, Mail Stop 6-6 Washington, D.C.
20219 * 800-613-6743
Federal
Reserve System Member Banks (Except National
Banks, and Federal Branches/Agencies of Foreign
Banks)
Federal
Reserve Board Division of Consumer - Community
Affairs Washington, D.C. 20551 * 202-452-3693
Savings
Associations and Federally Chartered Savings
Banks (Word "Federal" or initials F.S.B Appear
in federal institution's name)