Sample Report
Is the most common and standard type of report accessed. Contains information from credit grantors, courts, and collection agencies regarding the historical loans by the consumer.


Personal Information
 
Name: JOE W DOE SR Date of Birth: 1931 
SSN: ***-**-0000 Phone:  
 
Address: 4915 ANYSTREET ROAD 
  ANYCITY US 00000 
Reported On: 8/1/2004; Reported via A/R tape, but different from inquiry 
Last Updated Date: 3/1/2006 (13) Last Subcode: 000000 
 
Address: 4565 S ANYSTREET ROAD 
  ANYCITY US 00000 
Reported On: 8/1/2005; Reported via A/R tape, but different from inquiry 
Last Updated Date: 8/1/2005 (0) Last Subcode:  
 
Address: 116 ANYSTREET DR 
  ANYCITY US 00000
Reported On: 5/1/2000; Reported via A/R tape, but different from inquiry 
Last Updated Date: 12/1/2004 (0) Last Subcode:  
 
Employment Information
 
Company Name: ANYCOMPANY Date Hired: Occupation:
  Date Reported: 4/1/1900 Income:
  Separation Date:  
Company Name: TEST COMPANY Date Hired: Occupation:
  Date Reported: 3/1/1900 Income:
  Separation Date:  
 
Report Summary
 
Total # of Trades: 16
Current Trades: 11
Unrated Trades: N/A
Curr Neg Trades: 3
Hist Neg Trades: 2
No. of Accts Paid: 4
Curr Past Due: 2
Amount Past Due: $445
  
30 Days: 5
60 Days: 3
90+ Days: 5
Inquiries: 22
Inq. last 6 mnths: 1
Public Records: 0
Collections: 0
Oldest Trade: 10/1/1993
  
Accounts Balance: $92,836
Mnthly Payment: $1,276
Credit Limit: $3,980
High Credit: $120,480
Total Real Est. Bal.: $58,146
Total Rev. Bal.: $25,998
Tot. Installment Bal.: $8,692
Available %: 20
 
Scorecards
 
Scorecard: Experian/Fair Isaac Risk Model V2
Score: 451
Reasons: (39) Serious delinquency
(10) Proportion of balance to high credit on bank revolving or all revolving accounts
(18) Number of accounts delinquent
(13) Length of time (or unknown time) since account delinquent
 
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
ANYCOMPANY ASSN/0000000  8/1/2002 - - - 0 0 7 
000000000000  3/28/2006 $1,500 - 62  
All (Education Loan)  Installment - 1500 -  
   
(05)Account transferred to another office.  - closed Individual Unknown 
(31)Transferred to another lender or claim purchased 
 
ANYCOMPANY ASSN/0000000   4/1/1999 $3,010 $3,237 $96 1 1 0 
000000000000  4/23/2006 $3,237 - 86  
Bank (Check Credit Or Line Of Credit)  Revolving - - -  
   
(78)Account delinquent 60 days past due date.  2/1/2006 closed Individual Revolving 
(19)Credit line closed-consumer request-reported by subscriber 
 
ANYCOMPANY ASSN/0000000  11/1/2004 - - - 0 0 0 
000000000000  2/22/2005 $1,069 - 4  
Personal (Installment Sales Contract)  Installment - 1069 -  
(12)Account/paid satisfactorily.  - closed Individual 24 
 
ANYCOMPANY ASSN/0000000  3/1/2005 - - - 0 0 0 
000000000000  4/20/2005 $2,178 - 1  
Personal (Secured By Household Goods)  Installment - 2178 -  
(13)Paid account/zero balance.  - closed Individual 24 
 
ANYCOMPANY ASSN/0000000  10/1/1993 - - - 0 0 0 
000000000000  12/28/2002 $4,445 - 1  
All (Auto Loan)  Installment - 10259 -  
(13)Paid account/zero balance.  - closed Joint Account 65 
 
ANYCOMPANY ASSN/0000000  10/1/2004 - $6,123 $132 1 1 1 
000000000000  4/5/2006 $6,224 $380 8  
Personal (Check Credit Or Line Of Credit)  Revolving - - -  
(80)Account delinquent 90 days past due date.  12/1/2005 open Joint Account Revolving 
 
ANYCOMPANY ASSN/0000000  7/1/2003 - $1,738 $52 2 1 0 
000000000000  4/13/2006 $1,801 $65 33  
Bank (Credit Card, Terms REV)  Revolving - - -  
   
(77)Account was delinquent 60 days past due date/now 30 days past due date.  3/8/2006 open Joint Account Revolving 
 
ANYCOMPANY ASSN/0000000  3/1/2005 - $12,373 $281 1 0 0 
000000000000  4/5/2006 $12,396 - 10  
Personal (Check Credit Or Line Of Credit)  Revolving - - -  
(31)Current account/was 30 days past due date.  3/25/2006 open Joint Account Revolving 
 
ANYCOMPANY ASSN/0000000  10/1/2004 - $0 - 0 0 0 
000000000000  6/11/2006 $6,224 - 19  
Personal (Check Credit Or Line Of Credit)  Revolving - - -  
(11)This is an account in good standing.  6/4/2005 open Joint Account Revolving 
 
ANYCOMPANY ASSN/0000000   7/1/2004 - $58,146 $637 0 0 0 
000000000000  4/28/2006 $58,950 - 4  
Mortgage (Fha Real Estate Loan)  Installment - 58950 -  
(11)This is an account in good standing.  4/11/2006 open Individual 360 
 
ANYCOMPANY ASSN/0000000  3/1/2003 $500 $500 $20 0 0 0 
000000000000  4/15/2006 $550 - 37  
All (Check Credit Or Line Of Credit)  Revolving - - -  
   
(11)This is an account in good standing.  - open Joint Account Revolving 
 
ANYCOMPANY ASSN/0000000  11/1/2004 $470 $464 $13 0 0 0 
000000000000  4/8/2006 $464 - 17  
Complete (Revolving Charge Account)  Revolving - - -  
(11)This is an account in good standing.  4/3/2006 open Individual Revolving 
 
ANYCOMPANY ASSN/0000000   6/1/2004 - $792 $87 0 0 0 
000000000000  4/2/2006 $394 - 33  
Complete (Revolving Charge Account)  Revolving - - -  
   
(11)This is an account in good standing.  3/27/2006 open Joint Account Revolving 
 
ANYCOMPANY ASSN/0000000   1/1/2002 - $5,620 $356 0 0 0 
000000000000  3/28/2006 $16,579 - 51  
All (Auto Loan)  Installment - 16579 -  
   
(11)This is an account in good standing.  3/7/2006 open Individual 60 
 
ANYCOMPANY ASSN/0000000  6/1/2004 - $771 $84 0 0 0 
000000000000  3/26/2006 $560 - 31  
Complete (Revolving Charge Account)  Revolving - - -  
   
(11)This is an account in good standing.  2/28/2006 open Joint Account Revolving 
 
ANYCOMPANY ASSN/0000000  10/1/2004 - $3,072 $155 0 0 0 
000000000000  11/28/2005 $3,909 - 14  
Personal (Unsecured Loan)  Installment - 3909 -  
(11)This is an account in good standing.  10/3/2005 open Joint Account 36 
 
Inquiries
 
Date Subscriber Name Subscriber # Amount Mkt. SubMkt. KOB
4/1/2006  ANYCOMPANY 000000000 Unknown amount Personal Loan Companies 
9/12/2005  ANYCOMPANY 000000000 Unknown amount Credit Bureaus 
8/19/2005  ANYCOMPANY 000000000 Unknown amount Mortgage Reporters 
8/16/2005  ANYCOMPANY 000000000 Unknown amount All Banks ? Non-Specific 
8/10/2005  ANYCOMPANY 000000000 Unknown amount Bank Credit Cards 
4/9/2005  ANYCOMPANY 000000000 Unknown amount Retail, Not Elsewhere Classified 
3/23/2005  ANYCOMPANY 000000000 Unknown amount Personal Loan Companies 
2/19/2005  ANYCOMPANY 000000000 Unknown amount Bank Credit Cards 
1/7/2005  ANYCOMPANY 000000000 Unknown amount Sales Financing Company 
1/6/2005  ANYCOMPANY 000000000 Unknown amount Bank Credit Cards 
12/14/2004  ANYCOMPANY 000000000 Unknown amount All Banks ? Non-Specific 
11/18/2004  ANYCOMPANY 000000000 Unknown amount Mortgage Reporters 
11/9/2004  ANYCOMPANY 000000000 Unknown amount Personal Loan Companies 
11/9/2004  ANYCOMPANY 000000000 Unknown amount All Banks ? Non-Specific 
11/9/2004  ANYCOMPANY 000000000 Unknown amount Bank Credit Cards 
11/4/2004  ANYCOMPANY 000000000 Unknown amount Retail, Not Elsewhere Classified 
10/27/2004  ANYCOMPANY 000000000 Unknown amount Personal Loan Companies 
10/25/2004  ANYCOMPANY 000000000 Unknown amount All Banks ? Non-Specific 
9/8/2004  ANYCOMPANY 000000000 Unknown amount Bank Credit Cards 
9/5/2004  ANYCOMPANY 000000000 Unknown amount Bank Credit Cards 
6/14/2004  ANYCOMPANY 000000000 Unknown amount Bank Credit Cards 
5/15/2004  ANYCOMPANY 000000000 Unknown amount Bank Credit Cards 
 
Account Detail
 
Number Name Phone Address
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY BYMAILONLY 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY BYMAILONLY 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY BYMAILONLY 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY BYMAILONLY 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 CITIMORTGAGE INC 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY BYMAILONLY 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY BYMAILONLY 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY BYMAILONLY 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY BYMAILONLY 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY BYMAILONLY 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY BYMAILONLY 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY BYMAILONLY 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
0000000 ANYCOMPANY 000000000 123 ANYSTREET
ANYCITY, US 00000
 
 
Warning Messages
 
FACS+ Message: Sub-segment data only
FACS+ SOCIAL COUNTER: Social has been used 0 times since 3/1/2006
FACS+ SOCIAL ERROR: Indicates that no error conditions occured
FACS+ ADDRESS COUNTER: Address has been used 0 times since 3/1/2006
FACS+ ADDRESS ERROR: Indicates that no error conditions occured
FACS+ POSSIBLE YEARS ISSUED SSN: 1960-1962
Inquiry/onfile current address conflict
Reported via A/R tape, but different from inquiry
Reported via A/R tape, but different from inquiry
Reported via A/R tape, but different from inquiry
 

Warning Messages

FACS+ Message: Inquiry address message

FACS+ Message Text: CKPT: BUSINESS SERVICE ON FACS+ FILE/ANYCOMPANY/123 ANY AVE/ANYCITY US 00000/000.000.0000

FACS+ SOCIAL COUNTER: Social has been used 2 times since 1/1/2001

FACS+ SOCIAL ERROR: Indicates that no error conditions occured

FACS+ ADDRESS COUNTER: Address has been used 6 times since 1/1/2001

FACS+ ADDRESS ERROR: Indicates that no error conditions occured

FACS+ POSSIBLE YEARS ISSUED SSN: 1994-1996

Inquiry address idefinfied as non-residential

Onfile address idefinfied as non-residental

FACS+ Message: Onfile address message

FACS+ Message Text: CKPT: TRADE CONTRACTOR-SPECIAL TRADE ON FACS+ FILE/ANYCOMPANY/123 ANY AVE/ANYCITY US 00000/000.000.0000

FACS+ Message: Onfile address message

FACS+ Message Text: CKPT: AUTOMOBILE SERVICE ON FACS+ FILE/ANYCOMPANY/123 ANY AVE/ANYCITY US 00000/000.000.0000

Reported via A/R tape, but different from inquiry

Reported via Inquiry, but different from inquiry