EFTA01265460.pdf

Unsurpassed data precision Credit Profile Report and file coverage •• • • S... er•• • • ExperIan' . t . Li. , I t, 'tir „;iris unparalleled accuracy arid superior data quality generate(' by the File One sisters. 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 wnii weever Saves you time and money chances are (neatest • 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. SONY_GM_00004661 EFTA 00118734 EFTA01265460 tz* Inquiry sample TCAI RTS ONSUMER,,JO Y • •• • sn:Experian CONSUMER.NANCY CHRISTINE CAI PA -1 E-AJ Credit Profile Report ••::••, txperian T CAI T CONSUMER. ONATHAN (WIN( y ED) CONSUMER.NANCY CHRISTINE Experian's Credit Profile Report 0 00. Inquiry a b C d e f 9 h SDNY_GM_00004662 EFTA_00I 18735 EFTA01265461  • .. • •• • • Expenan- TCA1 RTS CONSUMER,JONATHAN QUINC STREET/BURBANK CA 91502 l ;i 1010. PAGE 1 DATE 3-28-2006 TIME 11:19:56 V001 TCA1 ) JONATHAN QUINCY CONSUMER® SS: BELL AUTOMOTI *JACK CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR ® 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 identifies 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 — Expenan's order based on number of proprietary data source occurrences reported; asterisk denotes any social not matching inquiry input social. SDNY_GM_00004663 EFTA_00I 18736 EFTA01265462  PH: GE( FRAUD SHIELD SUMMARY INP DOB: INP TELE FROM FROM CNT 05/03/05/23 PUBLIC RECORDS 3 PAST DUE AMT--$3,644 INQUIRIES--3 SATIS ACCTS---6 INSTALL BAL--$27,750 SCH/EST PAY---$1,327 INQS/6 MO--3 NOW DEL/DRG---2 R ESTATE BAL-$263,551 R ESTATE PAY--$1,887 TRADELINE-10 WAS DEL/DRG---2 REVOLVNG BAL--$2,123 REVOLVNG AVAIL---77% PAID ACCT--1 OLD TRADE-12-89 IkANTAGESCORE SCOREX PLUS NEW ACCT SCORE SUMMARY = 611 SCORE FACTORS: 91, 50, 12, 31 = 518 SCORE FACTORS: 61, 63, 40, 56 BANKRUPTCY PLUS = 1040 SCORE FACTORS: 39, 48, 90, 34 Demographics FmudShieleSummary 0 10. Score Summary O P. Profile Summary SDNY_GM_00004664 EFTA _00118737 EFTA01265463  *SO CALIF DISTRICT CO $12,450 CO LIEN REL 0 *COUNTY CPR CT SANTA ANA 9 -1 - 7n1 999 $1,200 CIV CL JUDG D#: .NAINTIFF: ALLIED COMPANY *U S VYSLX LUU 6 - IL -UV 1 -1 1 -X0'5999 $129,803-L BK 7 -PETIT Oft : $85,500-A VOLUN ©SUBSCRIBER OPEN SUB# KOB TYP TAM ECOA BALDATE AMT-TYP1 BALANCE AMT-TYP2 PYMT LEVEL ACCTCOND MOS REV PYMT STATUS PYMT HISTORY ACCOUNT # LAST PD MONTH PAY PAST DUE MAXIMUM BY MONTH *CREDIT AND COLLECTION 10-03 $1,590-0 COLLACCT 12-25-06 $1,590 11-03 (28) GGGG-GGGGG-GG $1,590 11-03/G GGGGGGGG-G-- AL PAYMENT DATA UTED BY CONSUMER** -O H INSURANCE** 'ISLAND SAVINGS 3-03 $500-L $775-H PAID CUR WAS 30 4-20-05 4-05 (26) BCCCCCCCCCCCC 4-05 CCC1CCCCCCCC :ONSUMER'S REQUEST** HEMLOCKS 25 2-05 $2,000-L OPEN CURR ACCT 6-10-06 $2,000 2-05 (17) NININNNNITNNNNNN MINN ATE: 03/01/2007 O N. Public records 19 Book and page number. 20 Plaintiff's name. 23 Compliance condition code reported by a subscriber to distinguish accounts that are k uptc res. Lein 4/1(1 Civil LIctturi , 21 Liability and asset amounts "Closed by Consumer" and/or against a consumer. for bankruptcies only. "Disputed Accounts." 11 Reporting court's name. 22 Voluntary indicator only; may 24 Special comments reported d.splay as VOLUN if consumer by a subscriber or consumer to 12 Original filing date with court. voluntarily dismissed bankruptcy. distinguish accounts that may 13 Status date if status is satisfied, require special handling. released. vacated, discharged Trades 25 "O" indicates the terms of the loan or dismissed. have been deferred to a future date. Any or all of the following information 14 Reporting court's may appear if provided by a subscriber subscriber number. a. Original credit grantor name 15 Amount of public record. for third-party collection 16 Type of public record. agency tradelines 17 Certificate ID or docket number. b. Balloon payment information (date and amount) or deferred payment 1$ Code describing the consumer's start date for deferred loans association to the public record item per the Equal Credit Opportunity Act. SDNY_GM_00004665 EFTA_00I 18738 EFTA01265464  *CENTRAL BANK 9-05 $21,424-0 OPEN DELINQ 30 12-28-06 $19,814 2-06 ( 6) 1CCCCC $400 $400 e 10-02 $43,337-0 41 OPEN 60 4+ TIMES 4-06-06 $4,346 4-06 Q(42) 21-1C1C111CC2 2-06 $827 $1354 11-03/1 2211CC211111 0 ( (1) *BAY COMPANY 6-95 $1,730-L $2,437-H BK7PET CHARGOPT 7-07-00 $0 7-00 (62) 9LL665432121C 10-99 CC- CCCCCCCCC TCA1 RTS 3122250*** CONSUMER,JONATHAN QUINCY STREET/BURBANK CA 91502 EMPLOYEES CREDIT UNION 6-02 $12,500-L $10,659-H OPEN CURR ACCT 3-24-06 $0 3-06 (46) OCCCCCCCCCCCC 10-05 CCCCCCCCCCCC 7-02 $275,000-0 OPEN CURR ACCT 31-06 $263,551 1-06 (38) C- CC- CCCCCCCC 1-06 $1887 CCCCCCCCCCCC 35 Balance date $s the cat 45 Maximum delinquency and the subscriber's reported . . payment code is the most recent . account. :late and code of the worst status 26 .t,tet iNk 36 Date of consumer's last paymew 46 Payment status comments reflect • the account. the payment history of the account of the balance date. 37 Amount of the loan or credit 27 aablished. 47 Consumer's payment history wring the past 25 months 28 38 hinicates if the amount is an or 'ginning with the month loan (0). credit limit (1). high 29 !cur aipresented by the balance date. ludance (H). initial charge -oft (C' The codes reflect the status of the • anknown (blank). account for each month and are 39 Current balance on the accouir displayed for balance reporting subscribers only: 40 Payment amount the consume, is scheduled to pay on the account. C Current 30 Type cf 41 Payment level date is the current N Current account/Zero 31 Terms oh.. L Lint. status date. balance — no update tape received for this trade 32 consumer's 42 The amount past due for Lai," • account. 0 Current account/Zero balance —reported on 43 I ne account condition indicates update tape 33 account IIIIIIIher the current condition of account. 30 days past the due date 34 Date • opened 44 Month,. reviewed •• •• • "•• • 60 days past the due (Sat- 90 days past the due datia SDNY_GM_00004666 EFTA_00I 18739 EFTA01265465  STATE BANK 12-89 $15,000-L $8,479-H OPEN CURR ACCT 2-27-06 $2,123 2-06 (50) CCCCCCCCCCCCC 2-06 $100-A CCCCCCCCCCCC O RCMAShU PORTFOLIO FR M: SOUTHWEST BANK 6-00 UNK OPEN CURR ACCT 1 2-28-06 2-06 (1) C 1-06 INQUIRIES HEMLOCKS 01-05-06 2313849 DC BAY COMPANY 12-03-05 2390446 DC $1,500 CHG REV HILLSIDE BANK 10-21-05 2240679 BC MESSAGES *CONSUMER STATEMENT* 06& 01-20-06 ID FRAUD VICTIM ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY 555-555-5555 OR EVENING 555-555-5555. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 01-20-06. CONSUMER ASSISTANCE CONTACT: EXPERIAN END -- EXPERIAN 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: Dillso Inquiries Inquiries indicate that a Credit Profile Report was received on that date by 6 180 days past the due date 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 312.500 rescinded) (L)imit and the (H)ighest balance subscriber's inquiry input. 8 Foreclosure proceeding, was $10.659. 9 deed in lieu Chapter 7.11 or 12 Bankruptcy (Petitioned, Discharged, 48 Actual monthly payment is indicated by the "-A" directly after the monthly payment amount; Pfr e• 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, reporters formula. for consumer referrals. Display is payment code not applicable elective; contact your Experian d. Portfolio "Sold To:" or "Purchased From:" name sales representative. SDNY_GM_00004667 EFTA_00I 18740 EFTA01265466 475 Anton Blvd. Costa Mesa. CA 92626 T: 1 888 414 1120 wenv.expanan.com SDNY_GM_00004668 EFTA_001 I 8741 EFTA01265467 Glossary of account conditions and payment status Version 8 — Numeric S •••• E • • • S:• • . xperian Account conditions Code Account Explanation Code Account Explanation condition condit ion A BK7PET x BK I2RESC Cu , , • , B BKiIPET V BK13RESC ROatfiln'atit,i) of (WM msr HO Chapter 13 haniatilif C BKI2PET I At OPEN D BK BRET Petrbnned for Ch .pIer II A2 PAID Paid arCrurifid f ... CLOSED CI ted,r Haunt E BKTDISC D s haiut Al INACTIVE Ina ..- Cliaptig f tta,l.ltipt •p CO CRCDLOST Cr. d din Hal • l• F BKI1DISC v Cb,1itei II bankrupt es TRANSFER Aix cm' to ancr oft O BKI2DISC hangs 10 REFINANC BKI3DISC D shun 21• DECEASED C011,lifflyr Ipp , pr!-“i o, de' I. Cfri.1P!... , . PDBYDLER BK7DISM r • J BKIIDISM BKLIOREO K BK12DISM BK13DISM f) • SETTLED AC( an M BK7V1/13 •I N BKIINI/D V., ••• ••• I a. BKADJPLN BK12W/D Wrtd A SCNL LOC COOSUIIIPI 14'C IRO V .. SK13W/D Vidk9a...n Goaort BKREAFF Reiff ir.iiatki del,' 07, FOREPROC V BK7RESC Real fr . no , GOVCLAIM • , BKIIRESC SONY_GM_00004669 EFTA 0011874? EFTA01265468 Account conditions (continued) Code Account Explanation LCode Account Explanation condition condition IN Dif II 9.: I ^21 CI Os t• gt, 1, 5 P.,, `-t Display Payment amount types 25-month payment history Delinquency counters Terms frequency SDNY_GM_00004670 EFTA_00I I 8743 EFTA01265469 Payment status Code Payment status Explanation Code Payment status Explanation OD NO STATUS 37* CUR WAS 60 Cur cont n:comet Was on d tps It or CUR WAS 60-2 3S* CUR WAS 90 not tadt. OP CUR WAS 60.3 ; :stir • •• 39' CUR WAS 120 w CUR WAS 60-1- ( ...r tent tilli OT 11 CURR ACCT 419 CUR WAS 180 CUR WAS 90-3 42' REDEEMD REPO A la . r..L. 15' CUR WAS 90-3. ar CUR WAS COLL Otter dr Ill I • 16. CUR WAS 120-24 COI IOW ri•rt • •• 120 dais nest nut• nat.. t. - • ' I t• or non- trim 4S• CUR WAS FORE Ccua-• 17" CUR WAS 150-2+ Current at • . tea Was 150 lows past du- eat. 71' JO DAY DEL Account C. di:, rod tic- it. OD 2TIMES Account GO cla,s past dill tad 720 30 ?TIMES hr. .) lone>. 2T 60 3TIMES Account 60 dile, past due date 303TIMES A •^ ;30 clans past tine (late three times Oil Orr I rt.., 24* 601• TIMES Account 60 chic µall due date le 304 TIMES cia.s past due 0,0.• lour or there t Enc, taro, 25 90 ?TIMES Account 9) as! o 296 30 5TIMES A • • ate 31 dais past due clean IA., trues 2IP 90 3- TIMES Account 9t) (tag a past nue en 77 306. TIMES A • tut as bar. pa d tic three et lac.- ;en; TT' 1202* TIMES Aceoutn 120 cll.; c,.-ict TM 30 WAS 60 A 01di oast d_. Ls ria."t ast chip .late 2:8' 1502. TIMES Accou"' I5u , du.. DELINC) 60 .or i+i OA. , Im I di,. datr dal e tau ,r f" '. 111t. .r. The DEL WAS 90 tat. 3. r p,' 29* 90 WAS 120• A... , (pa .: tatt na, r.• oast d DELINO 90 OM 31' CUR WAS 30 Loucot a ,1 Via 1 da 6, DEL WAS 120. rad 0.• CUR WAS 30-2 Current a. • id Was 30 Pa Or DELINO 120 33° CUR WAS 30-3 Current 3, ,, -t•Na s ju ad.. past dco 'lit- Peen s Or DELINCI 150 14^ CUR WAS 30-1 Curent d' ' 't 3),la,s ▪ DELINO 160 35. CUR WAS 30-5 Cohen t Wa , AI d naSt ti tet•t 3.. COFF NOW PAY '. CUR WAS 30-6- ON OPI rirrl 30 dal s past ado dot- si. Of ffir fr. hole.; 3 SDNY_GM_00004671 EFTA _00118744 EFTA01265470 Purpose type of account Type Short Explanation Type Short Explanation Typo Short Explanation code name code name code name f , r. Ol p 04 II ryl tj' , '4) N IC 1 t'' ' Pt NC_ I CC 1S[ UNK I ' J1 t CCP I' 3,4 ALB 1f Ia IA i BA SI II SDNY_GM_00004672 EFTA_(N)118745 EFTA01265471 ECOA codes with definitions Public record glossary Account Explanation Association with account currently active conditions Association terminaled as ot date reported BK 7-PETIT BK 7-DISCHG BK 7-DISMIS 0 A Undr rnirrirrilerl H BK 11-PETIT 1 BK 13DISCHG BK 71-DISMIS 2 6 Lornil ibdty BK 12-PETIT BK I2-DISCHG BK 12-DISMIS 3 C AutInni BK 13-PETIT 4 D JO it gli nt BK 13-DISCEIG BK WDISMIS 5 E CO IIlt r CH SUP JUDG CH SUP SATIS CIV CL JUDG 6 F On In hrill of CIV CL SATIS CIV CL vACAT 7 G Snurr F ED TAX LIEN FEDTAX REL SM CL JUDGMT w I Bu, Con rual SM CL SATIS SM CL VACAT STATE TX LN STATE Tx REI SUTT DISMISS SUTT FILED 5 SDNY_GM_00004673 EFTA 00118746 EFTA01265472 Kind of business codes Code Explanation Code Explanation Code Explanation I SONY_GM_00004674 EFTA_OOI 18747 EFTA01265473 Cmlr t_ xi Code Explanation Legal and related services ollectlons attorney Check-cashing services Repossession company Restaurants/Concessions Collections — nonspecific Pest control Country clubs SatelliteTV/Direct Auto reseller broadcast provider Employment screening Za Credit report brokers Local telephone service provider ZG Credit reporting agencies Personal service (nonmedical) — nonspecific Home security company Direct-to-consumer reseller Wireless telephone service provider Employment reseller Mail-order houses — nonspecific Utilities and fuel— nonsdoc e • ZF Finance reseller ZI Insurance reseller VC City and county Zl Leasing and rental reseller VF Federal government ZM filiinufacturing vK Child support services ZP l'...sonal service resell, sa vk Law enforcement ZR ▪ nail not elsewhere classilred VS State government ZS ▪ • . ices not elsewhere claL slhed Court codes zT • -• • - 'eons's resell. NT . V1 Government — nonspec rt ZW ,:. • , e•, .1 elsewhere classlf leo ZY filer V. A Automotive supplies ZZ .1, • 'NB Building supplies/Hardware :NC Clothing and dry goods D Drugs, chemicals and related g V.6 Wholesale grocery and related products V.H Home furnishings M Machinery, equipment surri V. p Credit card processors V:Z Wholesale —nonspecif TC Ft X0 Direct-mall list services N XL List processing vendors IJ X NI Media TZ Advertising — nonspecific XA Collection department —ACB VC credit bureau UD TB Collection department - u VC Ur YD department store LIG Collection departnit nt - U. loan company SDNY_GM_00004675 EFTA_00118748 EFTA01265474 Special comment codes Code Description Code Description Compliance condition codes SDNY_GM_00004676 EFTA_OOI 18749 EFTA01265475