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TRANSUNION CONSUMER CREDIT REPORT ABC HOTELS Position: CONCIERGE Start: 3/01 In File Since: 5/07 ANYTOWN, IL. End: Effective: 5/07 ACME SYSTEMS INC Position: ADMIN ASST Start: In File Since: 3/00 OAKLAND, CA. End: Effective: 3/01EMPLOYMENT Type Explanation ID MISMATCH ALERT PREVIOUS INPUT ADDRESS DOES NOT MATCH FILE ADDRESS(ES) HIGH RISK FRAUD ALERT INPUT SSN NOT ISSUED BY SOCIAL SECURITY ADMINISTRATION SSN YEAR OF ISSUANCE FILE SSN ISSUED: 1957-1960; STATE ISSUED: IL; EST. AGE OBTAINED: 4-8 IDENTITY MANAGER VERIFICATION FRAUD MODEL SCORE: +200, ID SCORE: 500, SCORE FACTOR CODES: 345 PHONE NUMBER ASSOCIATED WITH A MAIL BOX FACILITY, 678 IDENTITY ELEMENTS LINKED TO SUSPECTED FRAUD ACTIVITY, 901 IDENTITY LOW RISK FOR IDENTITY FRAUD; (IDA TRANSACTION#: 73126113617059) OFAC NAME SCREEN ALERT CLEAR CONSUMER STATMENT SEE END RPTALERTS AND SPECIAL MESSAGES Type Score Explanation VANTAGESCORE +590TK Worst status on accounts is delinquent/derog 52 No real estate accounts with valid credit amount RF Worst status of any revolving account is delinquent/derog 10 No usable installment accounts SCORECARD: 02 TRANSUNION BANKRUPTCY MODEL +533 24 Insuf ficient credit experience 07 Delinquent credit obligations 15 Number of recent inquiries on credit report 08 No real estate accounts with valid credit amount SCORINGDuncan, Elizabeth Also Known As: SSN: 666-58-5521 Phone: 555-555-5555 In File Since: 4/78 Cook, Elizabeth Date of Birth: 02/14/1954 Current Address: Previous Address: Previous Address: 9932 WOODBINE, #9B CHICAGO, IL. 60068 Reported 1/0510 N. CAMINO OAKLAND, CA. 94583 Reported 4/018500 N. WESTERN AV. CHICAGO, IL 60645Reference ID: 1234 SSN: XXX-XX-5521 Name: duncan, elizabeth Current Address: 9932 woodbine chicago, il 60068INPUT PARAMETERS FOR SECONDARY SUBJECTSubscriber Name: ABC DEPARTMENT STORE Subscriber Code/Market: I D248 06 CH Results Issued: 05/20/10 09:36 CT Public Records: 2 Collections: 1 Trades: 4 Inquiries: 4 Negative Trade Accounts:1 Trade Accounts with Any Historical Negatives: 2 Occurrence of Historical Negatives: 9 Count High Credit Credit Limit Balance Past Due Payment Available Revolving 2 $10,100 $18,200 $5,350 $0 $225 71% Installment 1$ 1 6, 9 0 0 n / a $ 1 2, 9 0 0 $ 1, 1 2 8 $ 2 8 2 n / a Mortgage 1 $232,500 n/a $173,200 $0 $1,470 n/a Total 4 $259,500 $18,200 $191,450 $1,128 $1,977CREDIT INFORMATION, Summary (Total History)This sample report is intended for educational purposes and cannot be used for testing. The actual Credit Report you receive will be customized to meet your specific request. Sample Credit Report INTRODUCTION TO THE CREDIT REPORT USER GUIDE Credit Report Fields 2 | Credit Report Guide Oct 2011.pdf |
COLLECTIONS ADVANCED COL (Y 999C004) Account # 12345 Account Rating 09B Original Creditor: ABC BANK Remarks: Amount Placed: $2,500 Opened: 5/02 Account Type: AG Balance: $1,000 Paid: Responsibility: I Past Due: Closed: Last Payment: Veri fied: 4/07 ATRANSUNION CONSUMER CREDIT REPORT DAUPHIN CP (Z 4937063) Docket # 99B38521 Type: CHAPTER 7 BANKRUPTCY Assets: Filed: Location: Liabilities: Veri fied:10/05 Court: Plaintiff: Orig Balance:$2,668 Paid: Responsibility: C Attorney: D. WINSLOW Curr Balance:$14,668PUBLIC RECORDS Type: PAID CIVIL JUDGMENT Assets: Filed: Location: Liabilities: $3,128 $0Verified: Court: Plaintiff: Orig Balance: Paid: 6/054/05 Responsibility: I Attorney: WILLIAMSBANK A Curr Balance:KINGS BK (ZP 5027011) Docket # 98M987654 Page: 2 of 3Results Issued: 5/20/10 09:36 CT TRADES Late Payments Delinquency Maximum: 1/07 Payment Pattern Months 1-12: 445543211111 (20 months) Amount: $1410 Months 13-24: 11111111Account Type: AUTOMOBILE Credit Limit: $16,900Balance: $12,900 Opened: 8/05 Responsibility: I High Credit: Past Due: $1,128 Paid: Remarks: ACCOUNT IN DISPUTE Terms: 60M282 Closed: Verified: 5/07 AABC BK (B 6781001) Account # 9876543210 Account Rating I05 1 1 5 Account Type: CREDIT CARD Credit Limit: $16,700 Balance: $5,200 Opened: 12/04 Responsibility: I High Credit: $9,600 Past Due: $0 Paid: Remarks: Terms: MIN200 Closed: Verified: 5/07 A Late Payments Delinquency Maximum: 2/05 Payment Pattern Months 1-12: 111111111111 (29 months) Amount: $230 Months 13-24: 111111111111ABC RETAILER (D 1234567) Account # 1234567890 Account Rating R01 1 1 030 60 90 30 60 90 Account Type: CONVENTIONAL MORTGAGECredit Limit: Balance: $173,200 Opened: 11/01 Responsibility: C High Credit: $232,500 Past Due: Paid: Remarks: Terms: 360M1470 Closed: Verified: 5/07 AABC MORTGAGE (Q 1111111) Account # 1112223333 Account Rating M01 0 0 0 30 60 90 Account Type: CREDIT CARD Credit Limit: $1,500 Balance: $150 Opened: 12/06 Responsibility: I High Credit: $ 500 Past Due: Paid: Remarks: Terms: MIN25 Closed: Verified: 5/07 AABC DEPARTMENT (D 7654321) Account # 123123123123 Account Rating R01 0 0 0 30 60 90Late Payments Delinquency Maximum: Payment Pattern Months 1-12: 11111 (5 months) Amount: Months 13-24:Late Payments Delinquency Maximum: Payment Pattern Months 1-12: 111111111111 (48 months) Amount: Months 13-24: 111111111111 INTRODUCTION TO THE CREDIT REPORT USER GUIDE Credit Report Fields 3 | Credit Report Guide Oct 2011.pdf |
INQUIRIES Date Subscriber Name (Code) Type Amount 5/20/10 ABC DEPT STORE (DCH248) 3/07/07 TEST BANK (BPH9999 EAS)2/20/07 MAIN ST AUTO (ASD1234 CAL) 1/01/07 123 RETAILER (DNY777 EAS) INQUIRY ANALYSIS Date Subscriber Name (Code) Identifying Info 03/07/07 TEST BANK (B 9999) DUNCAN, ELIZABETH (773) 123-4567 9932 WOODBINE, CHICAGO, IL 60693 02/20/07 MAIN ST AUTO (A 1234) DUNCAN, ELIZABETH (773) 555-1234 9932 WOODBINE, CHICAGO, IL 60693 10 N. CAMINO, OAKLAND, CA 94583 EMPLOYER: GRAND HOTELTRANSUNION CONSUMER CREDIT REPORT Page: 3 of 3Results Issued: 5/20/10 09:36 CT CONSUMER STATEMENT #HK#EFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. REPORT SERVICED BY TRANSUNION CONSUMER RELATIONS HTTP://WWW. TRANSUNION. COM/MYOPTIONS (800) 888-4213 2 BALDWIN PLACE, P. O. BOX 1000, CHEST ER, PA 19022 END OF TRANSUNION REPORT Manage Your Credit. Manage Your Life with transunion. com. INTRODUCTION TO THE CREDIT REPORT USER GUIDE Credit Report Fields 4 | Credit Report Guide Oct 2011.pdf |
Credit Report Codes Responsibility CODE DESCRIPTION A Authorized user of shared account C Joint contractual liability I Individual account for sole use of customer M Account for which subject is liable but co-signer has liability if the maker defaults P Participant in shared account which cannot be distinguished as C or A S Account for which subject is co-signer and becomes liable if maker defaults T Relationship with account terminated U Undesignated X Deceased Date Indicators CODE DESCRIPTION A Automated C Closed F Repossessed/Written Off/Collection M Manually Frozen P Paid Out R Reported V Verified Current Manner of Payment (MOP) CODE DESCRIPTION 01 Pays as agreed 02 30-59 days past the due date03 60-89 days past the due date04 90-119 days past the due date05 120 days or more past the due date07 Paying or paid under Wage Earner Plan or similar arrangement 08 Repossession8A Voluntary repossession8P Paying or paid account with MOP 0809 Charged off to bad debt9B Collection account9P Paying or paid account with MOP 09 or 9BUR Unrated Type of Account CODE DESCRIPTION O Open Account (30, 60 or 90 days)R Revolving or Option I Installment M Mortgage C Check credit (line of credit) Kind of Business Classifications (KOB) CODE DESCRIPTION A Automotive B Banks and Savings and Loan Institutions C Clothing D Department, Variety and Other Retail E Educational Organizations and Employment Services Companies F Finance, Personal G Groceries H Home Furnishings I Insurance J Jewelry, Cameras and Computers K Contractors L Lumber, Building Ma terial and Hardware M Medical and Related Health N Credit Card and Travel/Entertainment Companies O Oil Companies P Personal Services Other Than Medical Q Credit Unions and Finance Companies Other Than Personal Finance Companies R Real Estate and Public Accommodations S Sporting Goods T Farm and Garden Supplies U Utilities and Fuel V Government W Wholesale X Advertising Y Collection Z Miscellaneous INTRODUCTION TO THE CREDIT REPORT USER GUIDE Credit Report Fields 5 | Credit Report Guide Oct 2011.pdf |
Subscriber-provided input and information The actual consumer information you entered to locate the file from Trans Union will be displayed in the upper right-hand corner of the print image format report. On every Trans Union Credit Report the inquiring subscriber's Trans Union-assigned code, name, geogr aphic area where the file resides within the Trans Union system, date the file was creat ed and inquiry date and time (Central Time) are displayed. Consumer demographic information Helps verify consumer identification by providing: Names reported by data furnishers Current address and date it was first reported Up to two previous addresses and the date initially reported on first previous address Social Security number (SSN) if available Date of birth if available Telephone number or Phone Append (optional) Employment if available (including most current and one previous position, date employment was verified, reported and/or hired)Reference ID: 1234 SSN: XXX-XX-5521 Name: duncan, elizabeth Current Address: 9932 woodbine chicago, il 60068INPUT PARAMETERS FOR SECONDARY SUBJECTSubscriber Name: ABC DEPARTMENT STORE Subscriber Code/Market: I D248 06 CH Results Issued: 05/20/10 09:36 CTTRANSUNION CONSUMER CREDIT REPORT ABC HOTELS Position: CONCIERGE Start: 3/01 In File Since: 5/07 ANYTOWN, IL. End: Effective: 5/07 ACME SYSTEMS INC Position: ADMIN ASST Start: In File Since: 3/00 OAKLAND, CA. End: Effective: 3/01EMPLOYMENT Type Explanation ID MISMATCH ALERT PREVIOUS INPUT ADDRESS DOES NOT MATCH FILE ADDRESS(ES) HIGH RISK FRAUD ALERT INPUT SSN NOT ISSUED BY SOCIAL SECURITY ADMINISTRATION SSN YEAR OF ISSUANCE FILE SSN ISSUED: 1957-1960; STATE ISSUED: IL; EST. AGE OBTAINED: 4-8 IDENTITY MANAGER VERIFICATION FRAUD MODEL SCORE: +200, ID SCORE: 500, SCORE FACTOR CODES: 345 PHONE NUMBER ASSOCIATED WITH A MAIL BOX FACILITY, 678 IDENTITY ELEMENTS LINKED TO SUSPECTED FRAUD ACTIVITY, 901 IDENTITY LOW RISK FOR IDENTITY FRAUD; (IDA TRANSACTION#: 73126113617059) OFAC NAME SCREEN ALERT CLEAR CONSUMER STATMENT SEE END RPTALERTS AND SPECIAL MESSAGES Type Score Explanation VANTAGESCORE +590TK Worst status on accounts is delinquent/derog 52 No real estate accounts with valid credit amount RF Worst status of any revolving account is delinquent/derog 10 No usable installment accounts SCORECARD: 02 TRANSUNION BANKRUPTCY MODEL +533 24 Insuf ficient credit experience 07 Delinquent credit obligations 15 Number of recent inquiries on credit report 08 No real estate accounts with valid credit amount SCORINGDuncan, Elizabeth Also Known As: SSN: 111-11-1111 Phone: 555-555-5555 In File Since: 4/78 Cook, Elizabeth Date of Birth: 02/14/1954 Current Address: Previous Address: Previous Address: 9932 WOODBINE, #9B CHICAGO, IL. 60068 Reported 1/0510 N. CAMINO OAKLAND, CA. 94583 Reported 4/018500 N. WESTERN AV. CHICAGO, IL 60645Reference ID: 1234 SSN: XXX-XX-1111 Name: duncan, elizabeth Current Address: 9932 woodbine chicago, il 60068INPUT PARAMETERS FOR SECONDARY SUBJECTSubscriber Name: ABC DEPARTMENT STORE Subscriber Code/Market: I D248 06 CH Results Issued: 05/20/07 09:36 CT Public Records: 2 Collections: 1 Trades: 4 Inquiries: 4 Negative Trade Accounts:1 Trade Accounts with Any Historical Negatives:2 Occurrence of Historical Negatives:8 Count High Credit Credit Limit Balance Past Due Payment Available Revolving 2 $10,100 $18,200 $5,400 $0 $225 71% Installment 1 $16,900 n/a $12,900 $1,128 $282 n/a Mortgage 1 $232,500 n/a $173,200 $0 $1,470 n/a Total 4 $259,500 $18,200 $191,500 $1,128 $1,977CREDIT INFORMATION, Summary (Total History) ABC HOTELS Position: CONCIERGE Start: 3/01 In File Since: 5/07 ANYTOWN, IL. End: Effective: 5/07 ACME SYSTEMS INC Position: ADMIN ASST Start: In File Since: 3/00 OAKLAND, CA. End: Effective: 3/01EMPLOYMENTDuncan, Elizabeth Also Known As: SSN: 666-58-5521 Phone: 555-555-5555 In File Since: 4/78 Cook, Elizabeth Date of Birth: 02/14/1954 Current Address: Previous Address: Previous Address: 9932 WOODBINE, #9B CHICAGO, IL. 60068 Reported 1/0510 N. CAMINO OAKLAND, CA. 94583Reported 4/018500 N. WESTERN AV. CHICAGO, IL 60645TRANSUNION CONSUMER CREDIT REPORT ABC HOTELS Position: CONCIERGE Start: 3/01 In File Since: 5/07 ANYTOWN, IL. End: Effective: 5/07 ACME SYSTEMS INC Position: ADMIN ASST Start: In File Since: 3/00 OAKLAND, CA. End: Effective: 3/01EMPLOYMENT Type Explanation ID MISMATCH ALERT PREVIOUS INPUT ADDRESS DOES NOT MATCH FILE ADDRESS(ES) HIGH RISK FRAUD ALERT INPUT SSN NOT ISSUED BY SOCIAL SECURITY ADMINISTRATION SSN YEAR OF ISSUANCE FILE SSN ISSUED: 1957-1960; STATE ISSUED: IL; EST. AGE OBTAINED: 4-8 IDENTITY MANAGER VERIFICATION FRAUD MODEL SCORE: +200, ID SCORE: 500, SCORE FACTOR CODES: 345 PHONE NUMBER ASSOCIATED WITH A MAIL BOX FACILITY, 678 IDENTITY ELEMENTS LINKED TO SUSPECTED FRAUD ACTIVITY, 901 IDENTITY LOW RISK FOR IDENTITY FRAUD; (IDA TRANSACTION#: 73126113617059) OFAC NAME SCREEN ALERT CLEAR CONSUMER STATMENT SEE END RPTALERTS AND SPECIAL MESSAGES Type Score Explanation VANTAGESCORE +590TK Worst status on accounts is delinquent/derog 52 No real estate accounts with valid credit amount RF Worst status of any revolving account is delinquent/derog 10 No usable installment accounts SCORECARD: 02 TRANSUNION BANKRUPTCY MODEL +533 24 Insuf ficient credit experience 07 Delinquent credit obligations 15 Number of recent inquiries on credit report 08 No real estate accounts with valid credit amount SCORINGDuncan, Elizabeth Also Known As: SSN: 111-11-1111 Phone: 555-555-5555 In File Since: 4/78 Cook, Elizabeth Date of Birth: 02/14/1954 Current Address: Previous Address: Previous Address: 9932 WOODBINE, #9B CHICAGO, IL. 60068 Reported 1/0510 N. CAMINO OAKLAND, CA. 94583 Reported 4/018500 N. WESTERN AV. CHICAGO, IL 60645Reference ID: 1234 SSN: XXX-XX-1111 Name: duncan, elizabeth Current Address: 9932 woodbine chicago, il 60068INPUT PARAMETERS FOR SECONDARY SUBJECTSubscriber Name: ABC DEPARTMENT STORE Subscriber Code/Market: I D248 06 CH Results Issued: 05/20/07 09:36 CT Public Records: 2 Collections: 1 Trades: 4 Inquiries: 4 Negative Trade Accounts:1 Trade Accounts with Any Historical Negatives:2 Occurrence of Historical Negatives:8 Count High Credit Credit Limit Balance Past Due Payment Available Revolving 2 $10,100 $18,200 $5,400 $0 $225 71% Installment 1 $16,900 n/a $12,900 $1,128 $282 n/a Mortgage 1 $232,500 n/a $173,200 $0 $1,470 n/a Total 4 $259,500 $18,200 $191,500 $1,128 $1,977CREDIT INFORMATION, Summary (Total History) INTRODUCTION TO THE CREDIT REPORT USER GUIDE Credit Report Fields 6Credit Report Fields | Credit Report Guide Oct 2011.pdf |
Alerts and special messages TRANSUNION CONSUMER CREDIT REPORT ABC HOTELS Position: CONCIERGE Start: 3/01 In File Since: 5/07 ANYTOWN, IL. End: Effective: 5/07 ACME SYSTEMS INC Position: ADMIN ASST Start: In File Since: 3/00 OAKLAND, CA. End: Effective: 3/01EMPLOYMENT Type Explanation ID MISMATCH ALERT PREVIOUS INPUT ADDRESS DOES NOT MATCH FILE ADDRESS(ES) HIGH RISK FRAUD ALERT INPUT SSN NOT ISSUED BY SOCIAL SECURITY ADMINISTRATION SSN YEAR OF ISSUANCE FILE SSN ISSUED: 1957-1960; STATE ISSUED: IL; EST. AGE OBTAINED: 4-8 IDENTITY MANAGER VERIFICATION FRAUD MODEL SCORE: +200, ID SCORE: 500, SCORE FACTOR CODES: 345 PHONE NUMBER ASSOCIATED WITH A MAIL BOX FACILITY, 678 IDENTITY ELEMENTS LINKED TO SUSPECTED FRAUD ACTIVITY, 901 IDENTITY LOW RISK FOR IDENTITY FRAUD; (IDA TRANSACTION#: 73126113617059) OFAC NAME SCREEN ALERT CLEAR CONSUMER STATMENT SEE END RPTALERTS AND SPECIAL MESSAGES Type Score Explanation VANTAGESCORE +590TK Worst status on accounts is delinquent/derog 52 No real estate accounts with valid credit amount RF Worst status of any revolving account is delinquent/derog 10 No usable installment accounts SCORECARD: 02 TRANSUNION BANKRUPTCY MODEL +533 24 Insuf ficient credit experience 07 Delinquent credit obligations 15 Number of recent inquiries on credit report 08 No real estate accounts with valid credit amount SCORINGDuncan, Elizabeth Also Known As: SSN: 111-11-1111 Phone: 555-555-5555 In File Since: 4/78 Cook, Elizabeth Date of Birth: 02/14/1954 Current Address: Previous Address: Previous Address: 9932 WOODBINE, #9B CHICAGO, IL. 60068 Reported 1/0510 N. CAMINO OAKLAND, CA. 94583 Reported 4/018500 N. WESTERN AV. CHICAGO, IL 60645Reference ID: 1234 SSN: XXX-XX-1111 Name: duncan, elizabeth Current Address: 9932 woodbine chicago, il 60068INPUT PARAMETERS FOR SECONDARY SUBJECTSubscriber Name: ABC DEPARTMENT STORE Subscriber Code/Market: I D248 06 CH Results Issued: 05/20/07 09:36 CT Public Records: 2 Collections: 1 Trades: 4 Inquiries: 4 Negative Trade Accounts:1 Trade Accounts with Any Historical Negatives:2 Occurrence of Historical Negatives:8 Count High Credit Credit Limit Balance Past Due Payment Available Revolving 2 $10,100 $18,200 $5,400 $0 $225 71% Installment 1 $16,900 n/a $12,900 $1,128 $282 n/a Mortgage 1 $232,500 n/a $173,200 $0 $1,470 n/a Total 4 $259,500 $18,200 $191,500 $1,128 $1,977CREDIT INFORMATION, Summary (Total History)Type Explanation ID MISMATCH ALERT PREVIOUS INPUT ADDRESS DOES NOT MATCH FILE ADDRESS(ES) HIGH RISK FRAUD ALERT INPUT SSN NOT ISSUED BY SOCIAL SECURITY ADMINISTRATION SSN YEAR OF ISSUANCE FILE SSN ISSUED: 1957-1960; STATE ISSUED: IL; EST. AGE OBTAINED: 4-8 IDENTITY MANAGER VERIFICATION FRAUD MODEL SCORE: +200, ID SCORE: 500, SCORE FACTOR CODES: 345 PHONE NUMBER ASSOCIATED WITH A MAIL BOX FACILITY, 678 IDENTITY ELEMENTS LINKED TO SUSPECTED FRAUD ACTIVITY, 901 IDENTITY LOW RISK FOR IDENTITY FRAUD; (IDA TRANSACTION#: 73126113617059) OFAC NAME SCREEN ALERT CLEAR CONSUMER STATMENT SEE END RPTALERTS AND SPECIAL MESSAGES Highlights specific credit file conditions that may include: Presence of consumer statement No subject found Some optional products may also appear. ID MISMATCH ALERT messages (optional) appear when the input address, SSN or surname does not match what is on file; when a minimum of four inquiries have been made against the file within the last 60 days; or when an invalid ZIP code is entered. HIGH RISK FRAUD ALERT messages (optional) appear if address, SSN or phone number have been used in suspected fraudulent activity; if the information on an application is inappropriate, such as a commerci al or institutional address; or if the SSN has not been issued by the Social Security Administration or is that of a deceased person as reported by the Social Security Administration. SSN YEAR OF ISSUANCE (optional) provides state, year/range of years and age of consumer when SSN was issued. IDENTITY MANAGER VERIFICATIONSM (optional) combines sophisticated data analytics and multisourced databases to verify and validate consumer-provided information, detect suspicious information, and identify potentially fraudulent transactions and/or accounts. Fraud messages are generated to alert subsc ribers of suspicious data and an identity/fraud score is provided which assesses the level of risk associated with the account. The ID Score ® from ID Analytics® is available as an option for an additional lift in fraud detection. OFAC NAME SCREEN (optional) is designed to screen an applicant's name against an enhanced U. S. Treasury Department's Office of Foreign Assets Control (OFAC) database of specially designated nationals (SDNs), drug traffickers and money launderers. INTRODUCTION TO THE CREDIT REPORT USER GUIDE Credit Report Fields 7Scoring (optional) Displays empirically derived scores to help predict a consumer's future credit performance. Other available scores predict likelihood of bankruptcy, project recovery dollars, predict insurance risk, etc. Risk score factors are displayed numerically o r in text, and are displayed in order based on their relative impact on the final score. ***ALERT*** appears after Scoring heading when Account Rating is 7 or greater, or when a negative public record or a collection is present on the file. Type Score Explanation VANTAGESCORE +590TK Worst status on accounts is delinquent/derog 52 No real estate accounts with valid credit amount RF Worst status of any revolving account is delinquent/derog 10 No usable installment accounts SCORECARD: 02 TRANSUNION BANKRUPTCY MODEL +533 24 Insuf ficient credit experience 07 Delinquent credit obligations 15 Number of recent inquiries on credit report 08 No real estate accounts with valid credit amount SCORINGTRANSUNION CONSUMER CREDIT REPORT ABC HOTELS Position: CONCIERGE Start: 3/01 In File Since: 5/07 ANYTOWN, IL. End: Effective: 5/07 ACME SYSTEMS INC Position: ADMIN ASST Start: In File Since: 3/00 OAKLAND, CA. End: Effective: 3/01EMPLOYMENT Type Explanation ID MISMATCH ALERT PREVIOUS INPUT ADDRESS DOES NOT MATCH FILE ADDRESS(ES) HIGH RISK FRAUD ALERT INPUT SSN NOT ISSUED BY SOCIAL SECURITY ADMINISTRATION SSN YEAR OF ISSUANCE FILE SSN ISSUED: 1957-1960; STATE ISSUED: IL; EST. AGE OBTAINED: 4-8 IDENTITY MANAGER VERIFICATION FRAUD MODEL SCORE: +200, ID SCORE: 500, SCORE FACTOR CODES: 345 PHONE NUMBER ASSOCIATED WITH A MAIL BOX FACILITY, 678 IDENTITY ELEMENTS LINKED TO SUSPECTED FRAUD ACTIVITY, 901 IDENTITY LOW RISK FOR IDENTITY FRAUD; (IDA TRANSACTION#: 73126113617059) OFAC NAME SCREEN ALERT CLEAR CONSUMER STATMENT SEE END RPTALERTS AND SPECIAL MESSAGES Type Score Explanation VANTAGESCORE +590TK Worst status on accounts is delinquent/derog 52 No real estate accounts with valid credit amount RF Worst status of any revolving account is delinquent/derog 10 No usable installment accounts SCORECARD: 02 TRANSUNION BANKRUPTCY MODEL +533 24 Insuf ficient credit experience 07 Delinquent credit obligations 15 Number of recent inquiries on credit report 08 No real estate accounts with valid credit amount SCORINGDuncan, Elizabeth Also Known As: SSN: 111-11-1111 Phone: 555-555-5555 In File Since: 4/78 Cook, Elizabeth Date of Birth: 02/14/1954 Current Address: Previous Address: Previous Address: 9932 WOODBINE, #9B CHICAGO, IL. 60068 Reported 1/0510 N. CAMINO OAKLAND, CA. 94583 Reported 4/018500 N. WESTERN AV. CHICAGO, IL 60645Reference ID: 1234 SSN: XXX-XX-1111 Name: duncan, elizabeth Current Address: 9932 woodbine chicago, il 60068INPUT PARAMETERS FOR SECONDARY SUBJECTSubscriber Name: ABC DEPARTMENT STORE Subscriber Code/Market: I D248 06 CH Results Issued: 05/20/07 09:36 CT Public Records: 2 Collections: 1 Trades: 4 Inquiries: 4 Negative Trade Accounts:1 Trade Accounts with Any Historical Negatives:2 Occurrence of Historical Negatives:8 Count High Credit Credit Limit Balance Past Due Payment Available Revolving 2 $10,100 $18,200 $5,400 $0 $225 71% Installment 1 $16,900 n/a $12,900 $1,128 $282 n/a Mortgage 1 $232,500 n/a $173,200 $0 $1,470 n/a Total 4 $259,500 $18,200 $191,500 $1,128 $1,977CREDIT INFORMATION, Summary (Total History) | Credit Report Guide Oct 2011.pdf |
Credit information, summary (optional) TRANSUNION CONSUMER CREDIT REPORT ABC HOTELS Position: CONCIERGE Start: 3/01 In File Since: 5/07 ANYTOWN, IL. End: Effective: 5/07 ACME SYSTEMS INC Position: ADMIN ASST Start: In File Since: 3/00 OAKLAND, CA. End: Effective: 3/01EMPLOYMENT Type Explanation ID MISMATCH ALERT PREVIOUS INPUT ADDRESS DOES NOT MATCH FILE ADDRESS(ES) HIGH RISK FRAUD ALERT INPUT SSN NOT ISSUED BY SOCIAL SECURITY ADMINISTRATION SSN YEAR OF ISSUANCE FILE SSN ISSUED: 1957-1960; STATE ISSUED: IL; EST. AGE OBTAINED: 4-8 IDENTITY MANAGER VERIFICATION FRAUD MODEL SCORE: +200, ID SCORE: 500, SCORE FACTOR CODES: 345 PHONE NUMBER ASSOCIATED WITH A MAIL BOX FACILITY, 678 IDENTITY ELEMENTS LINKED TO SUSPECTED FRAUD ACTIVITY, 901 IDENTITY LOW RISK FOR IDENTITY FRAUD; (IDA TRANSACTION#: 73126113617059) OFAC NAME SCREEN ALERT CLEAR CONSUMER STATMENT SEE END RPTALERTS AND SPECIAL MESSAGES Type Score Explanation VANTAGESCORE +590TK Worst status on accounts is delinquent/derog 52 No real estate accounts with valid credit amount RF Worst status of any revolving account is delinquent/derog 10 No usable installment accounts SCORECARD: 02 TRANSUNION BANKRUPTCY MODEL +533 24 Insuf ficient credit experience 07 Delinquent credit obligations 15 Number of recent inquiries on credit report 08 No real estate accounts with valid credit amount SCORINGDuncan, Elizabeth Also Known As: SSN: 111-11-1111 Phone: 555-555-5555 In File Since: 4/78 Cook, Elizabeth Date of Birth: 02/14/1954 Current Address: Previous Address: Previous Address: 9932 WOODBINE, #9B CHICAGO, IL. 60068 Reported 1/0510 N. CAMINO OAKLAND, CA. 94583 Reported 4/018500 N. WESTERN AV. CHICAGO, IL 60645Reference ID: 1234 SSN: XXX-XX-1111 Name: duncan, elizabeth Current Address: 9932 woodbine chicago, il 60068INPUT PARAMETERS FOR SECONDARY SUBJECTSubscriber Name: ABC DEPARTMENT STORE Subscriber Code/Market: I D248 06 CH Results Issued: 05/20/07 09:36 CT Public Records: 2 Collections: 1 Trades: 4 Inquiries: 4 Negative Trade Accounts:1 Trade Accounts with Any Historical Negatives:2 Occurrence of Historical Negatives:8 Count High Credit Credit Limit Balance Past Due Payment Available Revolving 2 $10,100 $18,200 $5,400 $0 $225 71% Installment 1 $16,900 n/a $12,900 $1,128 $282 n/a Mortgage 1 $232,500 n/a $173,200 $0 $1,470 n/a Total 4 $259,500 $18,200 $191,500 $1,128 $1,977CREDIT INFORMATION, Summary (Total History)Public Records: 2 Collections: 1 Trades: 4 Inquiries: 4 Negative Trade Accounts:1 Trade Accounts with Any Historical Negatives: 2 Occurrence of Historical Negatives: 9 Count High Credit Credit Limit Balance Past Due Payment Available Revolving 2$ 1 0, 1 0 0 $ 1 8, 2 0 0 $ 5, 3 5 0 $ 0 $ 2 2 5 7 1 % Installment 1 $16,900 n/a $12,900 $1,128 $282 n/a Mortgage 1 $232,500 n/a $173,200 $0 $1,470 n/a Total 4 $259,500 $18,200 $191,450 $1,128 $1,977CREDIT INFORMATION, Summary (Total History) Provides a “snapshot” of activity on the consumer's credit report. Available as an option covering either total file history or 12-month file history. From left to right, headers in the first row read as follows: PUBLIC RECORDS : Total number of public records COLLECTIONS : Total number of collection accounts transferred to a third-party collection agency. These accounts are identified with a Kind of Business (KOB) code of “Y”. TRADES : Total number of trades INQUIRIES : Total number of inquiries From left to right, headers on the second row read as follows: NEGATIVE TRADE ACCOUNTS : Total number of negative accounts (derogatory) with a current Manner of Payment (MOP) of 2 or greater TRADE ACCOUNTS WITH ANY HISTORICAL NEGATIVES : Historical negative information is defined as any Account Rating of 2 or greater, occurring in any month (exc luding current month). This field describes the number of tradelines which have historical negative information. OCCURRENCE OF HISTORICAL NEGATIVES : This field describes the number of tradelines which ha ve historical negative information. From top to bottom, headers for each row in the table are as follows: REVOLVING : Total number of revolving and/or line of credit accounts INSTALLMENT : Total number of installment accounts MORTGAGE : Total number of mortgage accounts From left to right, headers for each column in the table read as follows: COUNT : Total number of accounts HIGH CREDIT : Highest amount ever owed on an account CREDIT LIMIT : Maximum credit amount approved by credit grantor BALANCE : Balance owed as of the date verified PAST DUE : Amount past due as of the date verified PAYMENT : Subscriber-reported monthly payment from the “TERMS” field on the account AVAILABLE : Percent of credit available for revolving, check credit and open accounts. Field is calcul ated by subtracting balance from credit limit divided by credit limit. INTRODUCTION TO THE CREDIT REPORT USER GUIDE Credit Report Fields 8 | Credit Report Guide Oct 2011.pdf |
Public records Public record information is maintained on a consumer's file in compliance with the Fair Credit Reporting Act (FCRA). This information is obtained from county, state and federal courts, and includes civil judgments, state tax liens, federal tax liens, and bankruptcies. The length of time each record is held on Trans Union's database varies by the type of record. Civil judgments Unpaid tax liens Paid tax liens Chapter 7, 11 or 12 bankruptcies Chapter 13 bankruptcy filings Chapter 13 bankruptcy dismissal or discharges Bankruptcies voluntarily dismissed7 years 10 years7 years from date paid10 years 10 years 7 years 7 years Typical retention periods (may vary by state)DAUPHIN CP (Z 4937063) Docket # 99B38521 Type: CHAPTER 7 BANKRUPTCY Assets: Filed: Location: Liabilities: Veri fied:10/05 Court: Plaintiff: Orig Balance:$2,668 $14,668 Paid: Responsibility: C Attorney: D. WINSLOW Curr Balance:PUBLIC RECORDS Type: PAID CIVIL JUDGMENT Assets: Filed: Location: Liabilities: $3,128 $0Verified: Court: Plaintiff: Orig Balance: Paid: 6/054/05 Responsibility: I Attorney: WILLIAMSBANK A Curr Balance:KINGS BK (ZP 5027011) Docket # 98M987654 Collections Identifies consumer accounts that have been placed with a profes sional debt-collecting firm. Collection information includes the name of the collection agency providing information, consumer's account number with the collection agency and Trans Union-assigned reporting subsc riber number (a ll collection agency subcodes begin with a “Y”). Also included are the Res ponsibility designator **, date the information was verified along with an indicator code**, date the item was t urned over to a collection ag ency (shown as date open ed). Also included are o riginal doll ar amount of collection, the balance owed as of date verified or closed, name of the origin al creditor and an explanation of current account status as reported by the collection agency. ** See the Credit Report Codes page of this brochure for more details. COLLECTIONS ADVANCED COL (Y 999C004) Account # 12345 Account Rating 09B Original Creditor: BANK A Remarks: Amount Placed: $2,500 Opened: 5/02 Account Type: AG Balance: $1,000 Paid: Responsibility: I Past Due: Closed: Last Payment: Veri fied: 4/07 A INTRODUCTION TO THE CREDIT REPORT USER GUIDE Credit Report Fields 9COLLECTIONS ADVANCED COL (Y 999C004) Account # 12345 Account Rating 09P Original Creditor: ABC BANK Remarks: Amount Placed: $2,500 Opened: 5/02 Account Type: OPEN Balance: $1,000 Paid: Responsibility: I Past Due: Closed: 5/02 F Last Payment: Veri fied: 4/07 ATRANSUNION CONSUMER CREDIT REPORT DAUPHIN CP (Z 4937063) Docket # 99B38521 Type: CHAPTER 7 BANKRUPTCY Assets: Filed: Location: Liabilities: Veri fied: 10/05 R Court: Plaintiff: Orig Balance: $4,668 Paid: Responsibility: C Attorney: D. WINSLOW Curr Balance: $2,668PUBLIC RECORDS Type: PAID CIVIL JUDGMENT Assets: Filed: Location: Liabilities: $3,128 Verified: Court: Plaintiff: Orig Balance: Paid: 6/05 Responsibility: I Attorney: WILLIAMS Curr Balance:KINGS BK (ZP 5027011) Docket # 98M987654 Page: 2 of 3Results Issued: 05/20/07 09:36 CT TRADES Late Payments Delinquency Maximum: 1/07 Payment Pattern Months 1-12: 445543211111 (20 months) Amount: $1410 Months 13-24: 11111111Account Type: AUTOMOBILE Credit Limit: $16,900 Balance: $12,900 Opened: 8/05 Responsibility: I High Credit: Past Due: $1,128 Paid: Remarks: CONTACT SUBSCRIBER Terms: 60M282 Closed: Verified: 5/07 AABC BK (B 6781001) Account # 9876543210 Account Rating I05 1 1 5 Account Type: CREDIT CARD Credit Limit: $16,700 Balance: $5,200 Opened: 12/04 Responsibility: I High Credit: $9,600 Past Due: $0 Paid: Remarks: Terms: MIN200 Closed: Verified: 5/07 A Late Payments Delinquency Maximum: 2/05 Payment Pattern Months 1-12: 111111111111 (29 months) Amount: $230 Months 13-24: 111111111111ABC RETAILER (D 1234567) Account # 1234567890 Account Rating R01 1 0 030 60 90 30 60 90 Account Type: PROPERTY Credit Limit: Balance: $173,200 Opened: 11/01 Responsibility: C High Credit: $232,500 Past Due: Paid: Remarks: CH 7/ACCT DISP/CLSD Terms: 360M1470 Closed: Verified: 5/07 AABC MORTGAGE (Q 1111111) Account # 1112223333 Account Rating M01 0 0 0 30 60 90 Account Type: CREDIT CARD Credit Limit: $1,500 Balance: $150 Opened: 12/06 Responsibility: I High Credit: $ 500 Past Due: Paid: Remarks: Terms: MIN25 Closed: Verified: 5/07 AABC DEPARTMENT (D 7654321) Account # 123123123123 Account Rating R01 0 0 0 30 60 90Late Payments Delinquency Maximum: Payment Pattern Months 1-12: 11111 (5 months) Amount: Months 13-24:Late Payments Delinquency Maximum: Payment Pattern Months 1-12: 111111111111 (48 months) Amount: Months 13-24: 111111111111 COLLECTIONS ADVANCED COL (Y 999C004) Account # 12345 Account Rating 09P Original Creditor: ABC BANK Remarks: Amount Placed: $2,500 Opened: 5/02 Account Type: OPEN Balance: $1,000 Paid: Responsibility: I Past Due: Closed: 5/02 F Last Payment: Veri fied: 4/07 ATRANSUNION CONSUMER CREDIT REPORT DAUPHIN CP (Z 4937063) Docket # 99B38521 Type: CHAPTER 7 BANKRUPTCY Assets: Filed: Location: Liabilities: Veri fied: 10/05 R Court: Plaintiff: Orig Balance: $4,668 Paid: Responsibility: C Attorney: D. WINSLOW Curr Balance: $2,668PUBLIC RECORDS Type: PAID CIVIL JUDGMENT Assets: Filed: Location: Liabilities: $3,128 Verified: Court: Plaintiff: Orig Balance: Paid: 6/05 Responsibility: I Attorney: WILLIAMS Curr Balance:KINGS BK (ZP 5027011) Docket # 98M987654 Page: 2 of 3Results Issued: 05/20/07 09:36 CT TRADES Late Payments Delinquency Maximum: 1/07 Payment Pattern Months 1-12: 445543211111 (20 months) Amount: $1410 Months 13-24: 11111111Account Type: AUTOMOBILE Credit Limit: $16,900 Balance: $12,900 Opened: 8/05 Responsibility: I High Credit: Past Due: $1,128 Paid: Remarks: CONTACT SUBSCRIBER Terms: 60M282 Closed: Verified: 5/07 AABC BK (B 6781001) Account # 9876543210 Account Rating I05 1 1 5 Account Type: CREDIT CARD Credit Limit: $16,700 Balance: $5,200 Opened: 12/04 Responsibility: I High Credit: $9,600 Past Due: $0 Paid: Remarks: Terms: MIN200 Closed: Verified: 5/07 A Late Payments Delinquency Maximum: 2/05 Payment Pattern Months 1-12: 111111111111 (29 months) Amount: $230 Months 13-24: 111111111111ABC RETAILER (D 1234567) Account # 1234567890 Account Rating R01 1 0 030 60 90 30 60 90 Account Type: PROPERTY Credit Limit: Balance: $173,200 Opened: 11/01 Responsibility: C High Credit: $232,500 Past Due: Paid: Remarks: CH 7/ACCT DISP/CLSD Terms: 360M1470 Closed: Verified: 5/07 AABC MORTGAGE (Q 1111111) Account # 1112223333 Account Rating M01 0 0 0 30 60 90 Account Type: CREDIT CARD Credit Limit: $1,500 Balance: $150 Opened: 12/06 Responsibility: I High Credit: $ 500 Past Due: Paid: Remarks: Terms: MIN25 Closed: Verified: 5/07 AABC DEPARTMENT (D 7654321) Account # 123123123123 Account Rating R01 0 0 0 30 60 90Late Payments Delinquency Maximum: Payment Pattern Months 1-12: 11111 (5 months) Amount: Months 13-24:Late Payments Delinquency Maximum: Payment Pattern Months 1-12: 111111111111 (48 months) Amount: Months 13-24: 111111111111 | Credit Report Guide Oct 2011.pdf |
Trades Provides a historical and curr ent record of the consumer's buying and payment activities. Trades are available sort ed by most derogatory, followed by date verified or vice-versa. Payment pattern is available displaying either 12 or 24 months. Trade information includes the following: ABBREVIATED NAME of credit grantor/data furnisher with whom consumer has an account SUBCODE (in parenthesis): Credit grantor's Kind of Business (KOB) designator** and Trans Union-assigned reporting subscriber number ACCOUNT # : Consumer's account number with the credit grantor (for consumer prot ection reasons, partial or truncated account numbers are displayed within the tradelines) ACCOUNT RATING : Type of Account (R, I, M, O, C) and Manner of Payment (MOP) code at which the account is currently reported** ACCOUNT TYPE : Type of loan RESPONSIBILITY : Code repre senting the ownership designation on the account** REMARKS : If applicable, this field is used by data furnishers to further explain a special condition related to this account CREDIT LIMIT : Maximum amount of credit approved by credit grantor HIGH CREDIT : Highest amount ever owed by the consumer on that account TERMS : Minimum required payment or number of payments, payment frequency and dollar amount agreed upon BALANCE : Balance owed as of date verified PAST DUE : Amount past due as of date verified OPENED : Date the account was opened PAID : Date the acco unt was paid** CLOSED : Date the acco unt was closed VERIFIED : Date of last update on the account** LATE PAYMENTS : Amount of payments that are 30, 60 and 90 days late DELINQUENCY : Indicates the date on which the maximum level of delinquency for that account occurred and the dollar amount of consumer's maximum delinquency PAYMENT PATTERN : The subject's payment pattern with his/her actual rating or Manner of Payment (MOP) over a period of time. Depending on which option a customer chooses, either 24 months or 12 months of information will be shown. The default setting is 24 months. The first position on the left of the first row corresponds to the account status of the previously verified month. This will not correspond to the Account Rating field, which represents the most recently reported account status, usually the current month on open or active trades. Each subsequent position to the right corresponds to one month further back in time. In the first example above, the first half of the Payment Pattern field is 445543211111. The first position indicates the information reported one month prior to verified date (MOP = 4): ** See the Credit Report Codes page of this brochure for more details. One month ago Two months ago Three months ago Four months ago MOP = 4 MOP = 4MOP = 5MOP = 5 Etc. Manner of Payment (MOP)TRADES Late Payments Delinquency Maximum: 1/07 Payment Pattern Months 1-12: 445543211111 (20 months) Amount: $1410 Months 13-24: 11111111Account Type: AUTOMOBILE Credit Limit: $16,900Balance: $12,900 Opened: 8/05 Responsibility: I High Credit: Past Due: $1,128 Paid: Remarks: ACCOUNT IN DISPUTE Terms: 60M282 Closed: Verified: 5/07 AABC BK (B 6781001) Account # 9876543210 Account Rating I05 1 1 5 Account Type: CREDIT CARD Credit Limit: $16,700 Balance: $5,200 Opened: 12/04 Responsibility: I High Credit: $9,600 Past Due: $0 Paid: Remarks: Terms: MIN200 Closed: Verified: 5/07 A Late Payments Delinquency Maximum: 2/05 Payment Pattern Months 1-12: 111111111111 (29 months) Amount: $230 Months 13-24: 111111111111ABC RETAILER (D 1234567) Account # 1234567890 Account Rating R01 1 1 030 60 90 30 60 90 INTRODUCTION TO THE CREDIT REPORT USER GUIDE Credit Report Fields 10COLLECTIONS ADVANCED COL (Y 999C004) Account # 12345 Account Rating 09P Original Creditor: ABC BANK Remarks: Amount Placed: $2,500 Opened: 5/02 Account Type: OPEN Balance: $1,000 Paid: Responsibility: I Past Due: Closed: 5/02 F Last Payment: Veri fied: 4/07 ATRANSUNION CONSUMER CREDIT REPORT DAUPHIN CP (Z 4937063) Docket # 99B38521 Type: CHAPTER 7 BANKRUPTCY Assets: Filed: Location: Liabilities: Veri fied: 10/05 R Court: Plaintiff: Orig Balance: $4,668 Paid: Responsibility: C Attorney: D. WINSLOW Curr Balance: $2,668PUBLIC RECORDS Type: PAID CIVIL JUDGMENT Assets: Filed: Location: Liabilities: $3,128 Verified: Court: Plaintiff: Orig Balance: Paid: 6/05 Responsibility: I Attorney: WILLIAMS Curr Balance:KINGS BK (ZP 5027011) Docket # 98M987654 Page: 2 of 3Results Issued: 05/20/07 09:36 CT TRADES Late Payments Delinquency Maximum: 1/07 Payment Pattern Months 1-12: 445543211111 (20 months) Amount: $1410 Months 13-24: 11111111Account Type: AUTOMOBILE Credit Limit: $16,900 Balance: $12,900 Opened: 8/05 Responsibility: I High Credit: Past Due: $1,128 Paid: Remarks: CONTACT SUBSCRIBER Terms: 60M282 Closed: Verified: 5/07 AABC BK (B 6781001) Account # 9876543210 Account Rating I05 1 1 5 Account Type: CREDIT CARD Credit Limit: $16,700 Balance: $5,200 Opened: 12/04 Responsibility: I High Credit: $9,600 Past Due: $0 Paid: Remarks: Terms: MIN200 Closed: Verified: 5/07 A Late Payments Delinquency Maximum: 2/05 Payment Pattern Months 1-12: 111111111111 (29 months) Amount: $230 Months 13-24: 111111111111ABC RETAILER (D 1234567) Account # 1234567890 Account Rating R01 1 0 030 60 90 30 60 90 Account Type: PROPERTY Credit Limit: Balance: $173,200 Opened: 11/01 Responsibility: C High Credit: $232,500 Past Due: Paid: Remarks: CH 7/ACCT DISP/CLSD Terms: 360M1470 Closed: Verified: 5/07 AABC MORTGAGE (Q 1111111) Account # 1112223333 Account Rating M01 0 0 0 30 60 90 Account Type: CREDIT CARD Credit Limit: $1,500 Balance: $150 Opened: 12/06 Responsibility: I High Credit: $ 500 Past Due: Paid: Remarks: Terms: MIN25 Closed: Verified: 5/07 AABC DEPARTMENT (D 7654321) Account # 123123123123 Account Rating R01 0 0 0 30 60 90Late Payments Delinquency Maximum: Payment Pattern Months 1-12: 11111 (5 months) Amount: Months 13-24:Late Payments Delinquency Maximum: Payment Pattern Months 1-12: 111111111111 (48 months) Amount: Months 13-24: 111111111111 | Credit Report Guide Oct 2011.pdf |
Inquiries INTRODUCTION TO THE CREDIT REPORT USER GUIDE Credit Report Fields 11Inquiry analysis (optional) Returns the contact information provided by the consumer when applying for credit within the previous 90 days. Information returned will include the consumer's na me and current address, and potentially the consumer's previous address, telephone number and employment. Displays which companies viewed the consumer's credit file ov er the last two years. Include s date the inquiry occurred, and the inquiring subsc riber's Trans Union-assigned member number and name. INQUIRIES Date Subscriber Name (Code) Type Amount 5/20/10 ABC DEPT STORE (DCH248) 3/07/07 TEST BANK (BPH9999 EAS) 2/20/07 MAIN ST AUTO (ASD1234 CAL) 1/01/07 123 RETAILER (DNY777 EAS) INQUIRY ANALYSIS Date Subscriber Name (Code) Identifying Info 03/07/07 TEST BANK (B 9999) DUNCAN, ELIZABETH (773) 123-4567 9932 WOODBINE, CHICAGO, IL 60693 02/20/07 MAIN ST AUTO (A 1234) DUNCAN, ELIZABETH (773) 555-1234 9932 WOODBINE, CHICAGO, IL 60693 10 N. CAMINO, OAKLAND, CA 94583 EMPLOYER: GRAND HOTEL Consumer statement Contains an explanation of facts or conditions affecting the credit file as requested by the consumer. This section may also include statements to protect consumers against fraud. CONSUMER STATEMENT #HK#EFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. Report serviced by This information should be used to provide contact informati on to consumers in the event of an adverse action. REPORT SERVICED BY TRANSUNION CONSUMER RELATIONS HTTP://WWW. TRANSUNION. COM/MYOPTIONS(800) 888-4213 2 BALDWIN PLACE, P. O. BOX 1000, CHESTER, PA 19022INQUIRIES Date Subscriber Name (Code) Type Amount 5/20/07 ABC DEPT STORE (DCH248) 3/07/07 TEST BANK (BPH9999 EAS) 2/20/07 MAIN ST AUTO (ASD1234 CAL) 1/01/07 123 RETAILER (DNY777 EAS) INQUIRY ANALYSIS Date Subscriber Name (Code) Identifying Info 03/07/07 TEST BANK (B 9999) DUNCAN, ELIZABETH (773) 123-4567 9932 WOODBINE, CHICAGO, IL 60693 02/20/07 MAIN ST AUTO (A 1234) DUNCAN, ELIZABETH (773) 555-1234 9932 WOODBINE, CHICAGO, IL 60693 10 N. CAMINO, OAKLAND, CA 94583 EMPLOYER: GRAND HOTELTRANSUNION CONSUMER CREDIT REPORT Page: 3 of 3Results Issued: 11/29/07 09:49 CT CONSUMER STATEMENT #HK#EFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. REPORT SERVICED BY TRANSUNION (800) 888-4213 P. O. BOX 1000, CHESTER, PA 19022 CONSUMER DISCLOSURES CAN BE OBTAINED ONLINE THROUGH TRANSUNION AT: HTTP://WWW. TRANSUNION. COM/ END OF TRANSUNION REPORT Manage Your Credit. Manage Your Life with transunion. com. INQUIRIES Date Subscriber Name (Code) Type Amount 5/20/07 ABC DEPT STORE (DCH248) 3/07/07 TEST BANK (BPH9999 EAS) 2/20/07 MAIN ST AUTO (ASD1234 CAL) 1/01/07 123 RETAILER (DNY777 EAS) INQUIRY ANALYSIS Date Subscriber Name (Code) Identifying Info 03/07/07 TEST BANK (B 9999) DUNCAN, ELIZABETH (773) 123-4567 9932 WOODBINE, CHICAGO, IL 60693 02/20/07 MAIN ST AUTO (A 1234) DUNCAN, ELIZABETH (773) 555-1234 9932 WOODBINE, CHICAGO, IL 60693 10 N. CAMINO, OAKLAND, CA 94583 EMPLOYER: GRAND HOTELTRANSUNION CONSUMER CREDIT REPORT Page: 3 of 3Results Issued: 11/29/07 09:49 CT CONSUMER STATEMENT #HK#EFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. REPORT SERVICED BY TRANSUNION (800) 888-4213 P. O. BOX 1000, CHESTER, PA 19022 CONSUMER DISCLOSURES CAN BE OBTAINED ONLINE THROUGH TRANSUNION AT: HTTP://WWW. TRANSUNION. COM/ END OF TRANSUNION REPORT Manage Your Credit. Manage Your Life with transunion. com. INQUIRIES Date Subscriber Name (Code) Type Amount 5/20/07 ABC DEPT STORE (DCH248) 3/07/07 TEST BANK (BPH9999 EAS) 2/20/07 MAIN ST AUTO (ASD1234 CAL) 1/01/07 123 RETAILER (DNY777 EAS) INQUIRY ANALYSIS Date Subscriber Name (Code) Identifying Info 03/07/07 TEST BANK (B 9999) DUNCAN, ELIZABETH (773) 123-4567 9932 WOODBINE, CHICAGO, IL 60693 02/20/07 MAIN ST AUTO (A 1234) DUNCAN, ELIZABETH (773) 555-1234 9932 WOODBINE, CHICAGO, IL 60693 10 N. CAMINO, OAKLAND, CA 94583 EMPLOYER: GRAND HOTELTRANSUNION CONSUMER CREDIT REPORT Page: 3 of 3Results Issued: 11/29/07 09:49 CT CONSUMER STATEMENT #HK#EFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. REPORT SERVICED BY TRANSUNION (800) 888-4213 P. O. BOX 1000, CHESTER, PA 19022 CONSUMER DISCLOSURES CAN BE OBTAINED ONLINE THROUGH TRANSUNION AT: HTTP://WWW. TRANSUNION. COM/ END OF TRANSUNION REPORT Manage Your Credit. Manage Your Life with transunion. com. INQUIRIES Date Subscriber Name (Code) Type Amount 5/20/07 ABC DEPT STORE (DCH248) 3/07/07 TEST BANK (BPH9999 EAS) 2/20/07 MAIN ST AUTO (ASD1234 CAL) 1/01/07 123 RETAILER (DNY777 EAS) INQUIRY ANALYSIS Date Subscriber Name (Code) Identifying Info 03/07/07 TEST BANK (B 9999) DUNCAN, ELIZABETH (773) 123-4567 9932 WOODBINE, CHICAGO, IL 60693 02/20/07 MAIN ST AUTO (A 1234) DUNCAN, ELIZABETH (773) 555-1234 9932 WOODBINE, CHICAGO, IL 60693 10 N. CAMINO, OAKLAND, CA 94583 EMPLOYER: GRAND HOTELTRANSUNION CONSUMER CREDIT REPORT Page: 3 of 3Results Issued: 11/29/07 09:49 CT CONSUMER STATEMENT #HK#EFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. REPORT SERVICED BY TRANSUNION (800) 888-4213 P. O. BOX 1000, CHESTER, PA 19022 CONSUMER DISCLOSURES CAN BE OBTAINED ONLINE THROUGH TRANSUNION AT: HTTP://WWW. TRANSUNION. COM/ END OF TRANSUNION REPORT Manage Your Credit. Manage Your Life with transunion. com. | Credit Report Guide Oct 2011.pdf |
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