EFTA00091698.pdf

Unsurpassed data precision Credit Profile Report and file coverage . •• . E •. •• • • xperian •.... The best decisions begin with the best information. The Credit Profile Report from Experian offers unparalleled accuracy and superior data quality generated by the File One' system. Experian's Credit Profile Report gives Easy to read — Our format groups you the accurate, current and complete similar data elements together for information you need to: faster analysis. Acquire new business — Make Flexible — Optional display decisions about new customers formats are available. and new accounts with speed and accuracy Current and relevant credit information Manage customers— Monitor, evaluate and make decisions based Higher hit ratios and more on changes in the customer profile complete files as they occur Unique file matching system that Maximize collections— Detect examines many variables potential fraudulent activity and take action where your recovery Saves you time and money chances are greatest • Eliminates multiple inquiries • Replaces manual searches File One is your key to profitable for information decision making For your reference, a sample Credit Complete — File One is the most Profile Report is provided on the comprehensive nationwide consumer following pages. credit information available. Accurate— High-integrity, current information is provided. EFTA00091698  • •• • k Inquiry sample TCAI *:• • • txperian RTS 3122250X I J CONSUMER.JONATHAN QUINCY CONSUMER.NANCY CHRISTINE Credit Profile Report • •• • E • • • xperian- •• •• • •• Experian's Credit Profile Report Inquiry Files on more than 215 million credit-active consumers nationwide a Subscriber number and password are maintained in Experian's database. b Consumer's name Your inquiry initiates a search of this database, which produces an C Social Security number (SSN) applicant's credit history -the Credit d Spouse's name and SSN Profile Report. An illustration and description of a sample Credit Profile e Current address Report follow. f Telephone number Reminder: To ensure compliance g Driver's license number with the Fair Credit Reporting Act, h Previous address reasonable care should be taken to input accurate identification belonging to the Year of birth consumer when requesting services. Type of terms and amount k Employment 2 EFTA00091699  • •• • bin!: Experian CONSUMER,JONATHAN QUINCY Consumer identifying information 3 Last subscriber reporting 7 Consumer's year of birth or date the consumer at his or her of birth. 1 A code that identities the current address. Experian or credit reporting 8 Employer's name and address, agency office nearest to the 4 Consumer's previous addresses including time frame reported consumer's current address. Used with source, in order by reliability and source. for consumer referrals. of source. U = Update tape I = Inquiry 2 Consumer's name and address, 5 An asterisk preceding any address including time frame reported, indicates the address did not match 9 Previous employer's name and source and number of subscribers inquiry address. address, with time frame reported reporting the address. and source. 6 Consumer's Social Security U = Update tape number and other Social 10 Alternate names such as different, I = Inquiry Security numbers reported on previous surnames or nicknames M = Manual data the consumer's file, in descending associated with the consumer's file. P= PDS — Experian's order based on number of proprietary data source occurrences reported; asterisk denotes any social not matching inquiry input social. 3 EFTA00091700 I:* Demographics Demographics contains the consumer% Fraud Shield" Summary Fraud Shield" Summary contains Opp Score Summary Risk model scores are generated telephone number (including source and messages related to the Fraud Shield if you use Experian's credit risk phone type): fraud prevention services. Optional with models. Optional with RM keyword on R = Residential SHIELD keyword on inquiry or contact inquiry or contact your Experian sales B = Business your Experian sales representative. representative. May also optionally C = Cellular display score factor code definitions. P = Pager Profile Summary T = Pay telephone F = Fax Profile Summary contains 17 significant I = Institution calculations from the Credit Profile Also includes GEO code Report. Optional with PSUM keyword of the current address. Optional on inquiry or contact your Experian by contacting your Experian sales representative. sales representative. 4 EFTA00091701  Public records 19 Book and page number. 23 Compliance condition code reported by a subscriber to Public record information consists 20 Plaintiff's name. distinguish accounts that are of bankruptcies, liens and civil actions 21 Liability and asset amounts "Closed by Consumer" and/or against a consumer. for bankruptcies only. "Disputed Accounts:' 11 Reporting court's name. 22 Voluntary indicator only; may 24 Special comments reported display as VOLUN if consumer by a subscriber or consumer to 12 Original filing date with court. voluntarily dismissed bankruptcy. distinguish accounts that may 13 Status date if status is satisfied, require special handling. released, vacated, discharged or dismissed. 14 Reporting court's P illo Trades Any or all of the following information 25 "D" indicates the terms of the loan have been deferred to a future date. may appear if provided by a subscriber: subscriber number. a. Original credit grantor name 15 Amount of public record. for third-party collection 16 Type of public record. agency tradelines 17 Certificate ID or docket number. b. Balloon payment information (date and amount) or deferred payment 18 Code describing the consumer's start date for deferred loans association to the public record item per the Equal Credit Opportunity Act. 5 EFTA00091702 CQ c. Mortgage Identification Number 35 Balance date is the date of 45 Maximum delinquency and (MIN) for mortgage tradelines the subscriber's reported update payment code is the most recent on account. date and code of the worst status. 26 An asterisk preceding public record information or a tradeline 36 Date of consumer's last payment 46 Payment status comments reflect indicates that information may need on the account. the payment history of the account further review. as of the balance date. 37 Amount of the loan or credit 27 Reporting subscriber's name. established. 47 Consumer's payment history during the past 25 months 28 Reporting subscriber's number. 38 Indicates if the amount is an original beginning with the month loan (O), credit limit (L), high 29 KOB (Kind of Business) Code represented by the balance date. balance (H), initial charge-off (C) describes a subscriber's business. The codes reflect the status of the or unknown (blank). The first letter designates an account for each month and are industry. The second character 39 Current balance on the account. displayed for balance reporting more narrowly defines a subscribers only: 40 Payment amount the consumer is subscriber's business. scheduled to pay on the account. C Current 30 Type of account. 41 Payment level date is the current N Current account/Zero 31 Terms of account. status date. balance — no update tape received for this trade 32 Code describing consumer's 42 The amount past due for association to the account per the account. 0 Current account/Zero the Equal Credit Opportunity Act. balance — reported on 43 The account condition indicates update tape 33 Consumer's account number. the current condition of account. 1 30 days past the due date 34 Date the account was opened. 44 Months reviewed indicates the total number of months history has 2 60 days past the due date been maintained for the account. 3 90 days past the due date 6 EFTA00091703 4 5 120 days past the due date 150 days past the due date - (dash) No history reported for Blank that month No history maintained; Illillo Inquiries Inquiries indicate that a Credit Profile 6 180 days past the due date Report was received on that date by see payment status the subscriber listed. Inquiring 7 Chapter 13 Bankruptcy comment subscriber name, number and KOB (Petitioned, Discharged, are shown.Type, terms and amount 48 Two amounts may display. Reaffirmation of debt may display and are from the Indicates the account has a $12,500 rescinded) subscriber's inquiry input. (L)imit and the (H)ighest balance 8 Foreclosure proceeding, was $10,659. 9 deed in lieu Chapter 7, 11 or 12 Bankruptcy (Petitioned, Discharged, 49 Actual monthly payment is indicated by the "-A" directly after the monthly payment amount; Ifr o. Messages The Messages section may include general consumer statements Reaffirmation of debt represents the actual payment and informational or other special rescinded) amount received by the lender for messages. Consumer statements that reporting period. G Collection relating to a tradeline or public record Scheduled monthly payment is item appear directly after the item. H Foreclosure implied if there is no "-A" or "-E." J Voluntary surrender 50 Name, address and telephone Estimated monthly payment number of Experian's consumer K Repossession is indicated by the "-E" directly assistance office or credit after the monthly payment amount, reporting agency nearest to the L Charge-off calculated by Experian based on consumer's current address. Use B Account condition change, reporter's formula. for consumer referrals. Display is payment code not applicable elective; contact your Experian d. Portfolio "Sold To:" or "Purchased From:" name sales representative. 7 EFTA00091704 475 Anton Blvd. Costa Mesa. CA 92626 T: I 888 414 1120 wonv.experlan.com O202dEmperon Information Soluticns.Inc.• All rights reserved Expenan and the marks used herein are service marks or regist«cd trademarks of Eaperoan Informatie., Solutcens. Inc. Other product and company names menticned herein may be the trademarks of their respective armors. iljee• 1224/1524 • 4817CS EFTA00091705