Sample Report

Get total risk assessment with the most advanced merging workhorse available.  MicroMerge Credit Profile PROVIDED FOR ANYCOMPANY INDUSTRIES 123 BUNNY LANE ANYCITY, ST 12345 000.123.1212 SOURCES EQUIFAX EXPERIAN TRANS UNION TYPE LOAN NO. PROPERTY ADDRESS PRICE ORDERED BY APPLICATION DATA APPLICANT NAME DOE, JOE P SOCIAL 000-00-0000 DEPENDENTS AKA ADDRESS 5 ANYSTREET AV, FANTASY ISLAND IL 60750 LENGTH PREV ADDRESS LENGTH EMPLOYER SINCE POSITION PHONE VERIFIED BY INCOME PUBLIC RECORDS COURT IL CIRCUIT COURT AMOUNT $1500 PLAINTIFF FILED 08/99 TYPE Civil judgement PAID REF NO. 986146 REPORTED BY COURT IL CIRCUIT COURT AMOUNT $789 PLAINTIFF FILED 07/99 TYPE Civil judgement PAID REF NO. 98643314 REPORTED BY SCORE MODELS APPLICANT (AVG 612 ) SCORECARD EQUIFAX EDAS 526 REASONS NUMBER OF ACCOUNTS SHOWING PAYMENT LATE BY 90 DAYS OR MORE/ PUBLIC RECORD ITEMS UTILIZATION OF AVAILABLE CREDIT ON ALL ACCOUNTS NUMBER OF MONTHS SINCE OLDEST ACCOUNT HAS BEEN OPENED NO REVOLVING DEPARTMENT STORE ACCOUNTS REPORTED - LAST 9 MONTHS SCORECARD EQUIFAX BEACON 658 REASONS Account not paid as agreed, public record, or collection agency filing Too many accounts with balances Length of time accounts have been established Proportion of balances to credit limits is too high on bank revolving or other revolving SCORECARD EXPERIAN Experian/Fair, Isaac Model 697 REASONS Length of time accounts have been established Proportion of balance to high credit on bank revolving or all revolving accounts Current balances on accounts Number of recent inquiries SCORECARD EXPERIAN New National Risk Model 94 REASONS Existing balances on accounts Number of credit inquiries Average age of accounts Balance to limit ratios on accounts SCORECARD EXPERIAN Experian/MDS Bankruptcy Model 431 REASONS Ratio of balances to total credit limit on all accounts Age of oldest reported account Ratio of bank revolving balances to credit limits or lack of bank revolving account information Presence of recent inquiries SCORECARD EXPERIAN Experian/Fair, Isaac Bankcard Model 693 REASONS Length of time accounts have been established Proportion of balance to high credit on bank revolving or all revolving accounts Current balances on accounts Number of recent inquiries SCORECARD EXPERIAN Experian/Fair, Isaac Installment Model 673 REASONS Length of time accounts have been established Proportion of current loan balance to original loan amount Proportion of balance to high credit on bank revolving or all revolving accounts Current balance on revolving accounts SCORECARD TRANS UNION TransRisk Auto 613 REASONS Length of time bank revolving accounts have been established is too short Too many recent inquiries Too few satisfactory accounts Too many recent delinquencies SCORECARD TRANS UNION EMPIRICA 494 REASONS Serious delinquency, and public record or collection filed Time since delinquency is too recent or unknown Length of time since derogatory public record or collection is too short Number of accounts with delinquency CREDIT CREDITOR ACCOUNT NUMBER REPORTED OPENED HIGH CREDIT BALANCE PAST DUE MO PAYM TERMS MONS RATED 30 | 60 | 90+ PAYMENT PATTERN OPEN ACCOUNTS I VOLVO FIN 10160000 07/02 04/02 $15522 $13930 - $398 - - I1 AT:Installment (fixed number of payments). TT:Auto Financing OD:Individual N1:LEASE *** EQUIFAX *** I VOLVO FIN 10160000 07/02 04/02 $15522 $13930 - $398 - - I1 I CITI No Acct# reported 06/02 09/00 $1560 $506 - - - 19 R1 AT:Revolving or Option (open-end account). TT:All Banks OD:Individual N1:AMOUNT IN H/C COLUMN IS CREDIT LIMIT *** EQUIFAX *** I CITI No Acct# reported 06/02 09/00 $1560 $506 - - - 19 R1 I VOLVO FINANCE NA 1016 04/01 12/00 $ $13930 - $398 39 01 1 I1 AT:Installment (fixed number of payments). TT:Lease KB:Sales Financing Company OD:Individual *** EXPERIAN *** I VOLVO FINANCE NA 1016 04/01 12/00 $ $13930 - $398 39 01 C I11 I CITIBANK MASTERCARD 54241801 03/01 05/99 $1560 $1044 - $20 - 23 111111111111 11111111111 R1 AT:Revolving or Option (open-end account). TT:Credit Card, Terms REV KB:Bank Credit Card OD:Individual *** EXPERIAN *** I CITIBANK MASTERCARD 54241801 03/01 05/99 $1560 $1044 - $20 - 23 CCCCCCCCCCCC CCCCCCCCCCC R11 I CITI 54241801 09/02 11/00 $1600 $1044 - $20 MIN 23 111111111111 11111111111 R1 AT:Revolving or Option (open-end account). TT:Credit Card KB:Banks and S&Ls OD:Individual *** TRANS UNION *** I CITI 54241801 09/02 11/00 $1600 $1044 - $20 MIN 23 111111111111 11111111111 R01 COLLECTIONS I AL GAS 976415 04/02 12/00 $2596 $2596 - - - - O9 AT:Open Account (30, 60, or 90 day account). TT:Other collection services OD:Individual *** EQUIFAX *** I CAPITOLCRDT 976415 07/01 12/00 $245 $0 - - - - O9 *** EQUIFAX *** I AL GAS 976415 04/02 12/00 $2596 $2596 - - - - O9 I CAPITAL CRDT 55784 10/00 02/99 $5845 $5845 - - - 26 I9 AT:Installment (fixed number of payments). TT:Unknown - Credit Extension, Review, Or Collection KB:Other Collection Agencies OD:Individual *** TRANS UNION *** O CAPITAL CRDT No Acct# reported 10/00 unkn $5845 $5845 - - - - CCCCCCCCCCCC CCCCCCCCCCC O9B *** EXPERIAN *** I CAPITAL CRDT 55784 10/00 02/99 $ $5845 - - - 26 I93 I AL GA 76415 02/01 10/99 $ $2596 - - - 18 I9 AT:Installment (fixed number of payments). TT:Unknown - Credit Extension, Review, Or Collection KB:Other Collection Agencies OD:Individual *** EXPERIAN *** I AL GA 76415 02/01 10/99 $ $2596 - - - 18 I93 O CAPITAL CRDT No Acct# reported 06/01 unkn $245 $245 - - - 18 O9 AT:Open Account (30, 60, or 90 day account). KB:Collection services N2:Placed for collection *** EXPERIAN *** I CAPITAL CRDT 76461 10/00 10/99 $ $245 - - - 18 I93 *** TRANS UNION *** O CAPITAL CRDT No Acct# reported 06/01 unkn $245 $245 - - - - O9B I BOSS FINANCE 7641 01/01 10/93 $ $150 - - - 99 I9 AT:Installment (fixed number of payments). TT:Unknown - Credit Extension, Review, Or Collection KB:Other Collection Agencies OD:Individual *** EXPERIAN *** I BOSS FINANCE 7641 01/01 10/93 $ $150 - - - 99 I93 I AL GAS 976415 10/02 06/01 $2596 $2596 $2596 - - - I9 AT:Installment (fixed number of payments). KB:Utilities and fuel OD:Individual N1:Placed for collection *** TRANS UNION *** I AL GAS 976415 10/02 06/01 $2596 $2596 $2596 - - - I9B I BOSS FINANCI 97641 09/02 06/95 $150 $150 $150 - - - O9 AT:Open Account (30, 60, or 90 day account). KB:Finance, personal OD:Individual N1:Placed for collection *** TRANS UNION *** I BOSS FINANCI 97641 09/02 06/95 $150 $150 $150 - - - O9B OTHER DEROGATORY CLOSED ACCOUNTS CREDIT SUMMARY COUNT W/BAL BALANCE PAYMENTS PASTDUE 30 60 90 LAST LATE MORTGAGE 0 0 0 0 0 0 0 0 INSTALLMENT 2 2 27,860 796 0 0 0 0 REVOLVING 3 3 2,594 40 0 0 0 0 COLLECTION 3 3 5,342 0 0 0 0 0 OTHER 0 0 0 0 0 0 0 0 TOTAL 8 8 $35,796 $836 $0 0 0 0 PAID AS AGREED 5 LIENS 0 45% Available CURR DELINQUENT 3 JUDGEMENTS 2 TOTAL DELINQUENT 3 FORECLOSURES 0 INQUIRES 2 BANKRUPTCIES 0 PUBLIC RECORDS 2 GARNISHMENTS 0 OTHER PUBLIC RECORDS 0 EMPLOYMENT APPLICANT COMPANY NAME ANYCOMPANY OCCUPATION DATE HIRED 10/01 SEPARATION DATE INCOME COMPANY NAME COMPANY CORPORATION OCCUPATION DATE HIRED SEPARATION DATE INCOME ACCOUNT DETAIL NUMBER NAME PHONE ADDRESS 444YC03713 CAPITAL CREDIT CORPO 827YC00017 ALABAMA GAS 444FA00947 VOLVO FINANCE NORTH 2017687300 906BB00040 CITI CARDS CBSDNA 654FM11943 CITIMORTGAGE 05027021 TRANS UNION CORPORAT 3126450012 111 W. JACKSON BLV CHICAGO, IL 60604 075GY001 ALABAMA GAS CORPORAT 2053268100 20 S 20TH ST BIRMINGHAM, AL 35295 034GJ001 BOSS FINANCIAL 3192437314 2201 CAMANCHE CLINTON, IA 52732 064DB002 CITI CARDS CBSDNA 8008430777 POB 6241 SIOUX FALLS, SD 57117 0596D001 CAPITAL CREDIT AND C 5032974488 9900 SW WILSHIRE PORTLAND, OR 97225 00000004 TEST CODE 1660 OLD WALT WHIT MELVILLE, NY 11747 00008281 EQUIFAX MTG 1600 PEACHTREE ST ATLANTA, GA 30309 0 01212622 VOLVO 1700 JAY ELL DR RICHARDSON, TX 75081 00023746 CITIMORTGAGE 12855 N OUTER FORT ST LOUIS, MO 63141 00012831 CITI P.O. BOX 6000 SIOUX FALLS, SD 57117 00012896 CITI 701 60TH ST N SIOUX FALLS, SD 57104 INQUIRIES DATE SUBSCRIBER NAME TYPE SUBSCRIBER NO. AMOUNT 10/29/02 TEST CODE Contractors 00000004 09/05/02 EQUIFAX MTG Miscellaneous and public record 00008281 SOURCES EQUIFAX P O BOX 740241 ATLANTA, GA 30374-0241 800-685-1111 EXPERIAN P O BOX 2002 ALLEN, TX 75013-00036 888-397-3742 TRANS UNION 555 W. ADAMS CHICAGO, IL 60661 312-258-1717 MESSAGES APPLICANT *** EXPERIAN *** FACS+ Message: Inquiry Address Message - CKPT: BUSINESS SERVICE ON FACS+ FILE/JOHNS PREMIERE LANDSCAPING/5 EAST AVE/TOMMORROW IL 60750/847.555.1336 FACS+ SOCIAL COUNTER: Social has been used 2 times since 01/01/01 FACS+ SOCIAL ERROR: Indicates that no error conditions occur. FACS+ ADDRESS COUNTER: Address has been used 6 times since 01/01/01 FACS+ ADDRESS ERROR: Indicates that no error conditions occur. FACS+ POSSIBLE YEARS SSN ISSUED: 1994 - 1996 FACS+ Fraud Services Indicator: FACS+ Fraud Services Indicator: FACS+ Message: Onfile Address Message - CKPT: TRADE CONTRACTOR-SPECIAL TRADE ON FACS+ FILE/ROCKY ELECTRIC SERVICE/7 EAST AVE/TOMMORROW IL 60750 FACS+ Message: Onfile Address Message - CKPT: AUTOMOBILE SERVICE ON FACS+ FILE/RJF AUTOMOTIVE SERVICES INC./7 5TH AVE/TOMMORROW IL 60750/847.555.1818 *** TRANS UNION *** SSN Match: Exact match between SSN on input and SSN on file Phone Append: Default product delivered; Search Status - Area code and phone number not found on new source. Phone number on CRONUS database is returned. LOOK: Requested product delivered HAWK: Requested product delivered HAWK: Input SSN issued:1965-1967; state: NY; (est. Age obtained: 00 to 00) HAWK: File SSN issued:1965-1967; state: NY; (est. Age obtained: 02 to 02) TransRisk Auto: Default product delivered EMPIRICA: Default product delivered : Default product delivered This Residential Merged Credit Report is compliant with the standards as set forth by the FHA, FNMA, VA and FHLMC. The information contained herein has been obtained from sources deemed reliable, the accuracy of which the provider does not guarantee. This information has been furnished in response to an inquiry made for the purpose of evaluating a credit risk. The inquirer has agreed to indemnify the provider for any damage arising from misuse of this information and this report is furnished in reliance upon that indemnify. This report must be held in strict confidence and may be used online in accordance with the terms of the Fair Credit Reporting Act.