Author: Becky

Sample Credit Report
Page 1 of 4

expenan"

Report number:
You will need your report number to contact Experian online, by phone or by mail.
Online Personal Credit Report from Experlan for
Index:
Navigate through the sections of your credit report using these links.
- Accounts in QOofl standing
- Requests Jor your credit fristorv
- Person Elf information
n
Expenan credit report prepared for
JOHN Q CONSUMER
Your report number is   |——i
1562064065	L.-_i"""
Report dale:
01/24/2005
R from ExDcrieir
Expenan collects and organize? information about you and your credit history IVom public records, your creditors and other reliable sources. Expenan makes your credil hlslory available ro your current anrf prospective creditors, employers and others as allowed by law, which can expedite your ability to obtain credit and can make offers of credit available to you. We do not grant or deny credil; each credit grantor makes that decision based on its own guidelines.

Potentially negative items:
Items that creditors may view less favorably. It includes the creditor's name and address, your account
number (shortened for security), account status, type and terms of the account and any other information reported to Experian by the creditor. Also includes any bankruptcy, lien and judgment information obtained directly from the courts.
Status:
Indicates the current status of the account.
Potentially Negative Items____ Public Records
Credit grantors may carefully review the items listed below when they check your credit history Pleasn nole that the accouni information connected with some public records, such as bankruptcy, also may appear with your credit items listed later in this report.
MAIN COUNTY CLERK
Plaintiff:
ANY COMMISSIONER O.
Identification Number: 1
Address: 1Z3MAIMTOWN5 BUFFALO .  NY   10000
Status Details:
This item was verified and updated on 05-2001
Status:
Civil claim paid.
Date Filed:	Claim Amount:
10/15/2000             $200
Date Resolved:    Liability
01/04/2001            Amount:
NA
Responsibility. INDIVIDUAL
Credit Items
For your protection, the last few digits of your account numbers do not display. ABCD BANKS

If you believe information in your report is inaccurate, you can dispute that item quickly, effectively and cost free by using Experian's online dispute service located at:
www.expertan.cqm/disputes
Disputing online is the fastest way to address any concern you may have about the information in your credit report,

Address: 10. D CENTER RD BUFFALO, NY  10000 (555| 555-5555

Account Number:                ^^~-^"~ 1000000....                   ^^
_O
^^

Status' Paid/Past due 80 days. |
Date Opened:        Type; | Credit Limit/Original Amount:
10/1997                    Installment | $523
Reported Since:    Terms' | High Balance:
11/1987                   12Months | NA
Date of Status:      Monthly | Recent Balance'
01/1999                 Payment: | $0 as of 01/1 999
SO | Recent Payment:
Last Reported:      Responsibility: | SO
01/1999                    Individual |
Account History: 60 days as of 12-1998 30daysasDf11-1998

Sample Credit Report
Page 2 of 4

MAIN COLL AGENCIES
Account Number: 0123456789
Original Creditor: TELEVISE CABLE COM M
Address: PO BOX 123 AMYTOWM, PA 10000 (555) 555-5555

 

Status. Collection account. £95 past due as of 4-2000.

Date Opened:        Type: | Credit Limit/Original Amount:
01/2000                 Installment | $95
Reported Since:    Terms: | High Balance;
04/2000                   NA | NA
Date of Status:      Monthly | Recent Balance:
04/2000                    Payment: | $95 as of 04/2000
SO | Recent Payment:
Last Reported:      Responsibility: | $0
04/2000
Individual

• Accounts in good standing:
Lisls accounts that have a positive status and may bB viewed favorably by creditors. Some creditors do not report to us, so some of your accounts may not be listed.
Your statement:  ITEM DISPUTED BY CONSUMER
Account History^1 Collection as of 4-2000
Accounts in Good Standing

AUTOMOBILE AUTO FINANCE

 

Account Number:
1234567899S....
Type:
Installment
Terms:
65 Months
Monthly
Payment:
$210
Responsibility:
Individual
Address:
100 MAIN ST E SMALLTOWN, MD 90001 (555) 555-5555
Status: Open/Never late
Date Opened:
01/2000
Reported Since:
01/2000
Date of Status:
03/2001
Last Reported: 08/2001

Credit Limit/Original Amount:
$10,355
High Balance:
NA
Recent Balance: S7.9B4 as of OS/2001 Recent Payment: SO

Type:
Account type indicates whether your account is a revolving or an installment account.

wain
Address:
PO BOX 1234
FORT LALIDERDALE, FL 10009
Status: Closed/Never late
Account Number: 1234567899876

Date Opened:        Type: | Credit Li mi tf Original Amount:
03/1991                    Revolving | NA
Reported Since:    Terms: | High Balance:
03/1991                   1 Months | $3,228
Date of Status:      Monthly | Recent Balance:
OB/2000                   Payment: | $0 /paid as of 08/2000
SO | Recent Payment:
Last Reported:      Responsibility: | $0
08/2000                 Individual |
Your statement:
Account closed at consumer's request

Sample Credit Report
Page 3 of 4

Requests for your
cr&dit histor,"
Also called "inquiries", requests for your credit history are logged on your report whenever anyone reviews your credit information. There are two types of inquiries.
Requests viewed by others
Inquiries resulting from a transaction initiated by you. These include inquiries from your applications for credit, housing or other loans. They also include transfer of an account to a collection agency. Creditors may view these items when evaluating your credit worth in ess.
Requests viewed only
by you
Inquiries resulting from transactions you may not have initiated but that are allowed under the FCRA. These include preappraved offers, as well as for employment, investment review, account monitoring by existing creditors, and requests by you for your own report  These items are shown only to you and have no impact on your credi(worthiness or risk scores.
Requests for Your Credit History Requests Viewed By Others
We make your credit history available id your current and prospective creditors and employers as allowed bylaw. Personal data about you may be made available to co mp an ies whose products and services may interest you.
The section below lists all who have requested in Trie recent past to review your credit history as a result of actions involving you, such as the completion of a ere dil application or the transfer of an account to a collection agency, mortgage ur loan application, etc. Creditors may view these requests when evaluating your ere (Siworthi ness.
HOMESALE REALTY CO ___________________________________________________
Address:        "	Date of Request:
2000 S MAINROAD BLVD STE                                                                                           07/16/2001
ANYTOWNCA 11111
Real estate loan on liehalf oMOOQ COPRORATE COMPANY. This inquiry is scheduled to continue on record
ABC BANK________________________________
Date of Request: 0^/23/2G01
Address: PO BOX 100 BUFFALONY 10000
(555) 5S5-5S55     ____________________________________
Cot 11
Permissible purpose. This inquiry is scheduled to continue on record until 3-2005.
ANYTQWN FUNDING INC
Date of Request: 07/25/2000
Addres?:
100WMASNAVESTE100
INTOWNCA 10000
(555| 555-5555      ____
Comments;
Permissible purpose This Inquiry is scheduled to continue on record until 3-2002.
Requests Viewed Only By You
The section below lists all who have a permissible purpose by law and have requested in the recent past to review your information. You may not have initiated these requests, so you may not recognize each source. We offer information about you to those with a permissible purpose, for example, to:
•	other creditors who want to offer you preapproved credit
•	an employer who wishes to extend an offer of employment:
.	a potential investor in assessing the risk of a current obligation:
•	Expenan or other credit repotting agencies to process a report for you:
•	your existing creditors lo monitor your credit activity (date listed may reflect only the most recent request).
We report Ihese requests only to you as a record of activities. We do not provide tfpis information to other creditors who evaluate your creditworthlness.
Date of Request: 08/10/2001
MAIN BANK USA
1 WAINCTR AA11 BUFFALONY 10000

MAINTOWN BANK
Date of Request: OB/05/2001
Address: PO BOX 100
MAINTOWNSDE 10000 (555] 555-5555

 

ANYTOWN DATA CORPS
Date of Request: 07/16/2001
Address:
2000 S MAINTOWN BLVD STE
INTOWNCO 11111
(555) 555-5555	______

Sample Credil Report
Page 4 of 4

;/nfnr<nsfion:
Personal information associated with your history that has been reported to Experian by you. your creditors and other sources.
May include name and Social Security number variations, employers, telephone numbers, etc. Experian lists all variations so you know what is being reported to us as belonging to you.
Address information-
Your current address and previous address(ss)
- Personal statement:
Any personal statement that you added to your report appears here.
Note - statements remain as part of the report for 2 years and display to anyone who has permission to review your report.
Personal Information
Ttie following information ib reported to us by you, your creditors and other sources. Each source may report your personal information differently, which may result in variations of your name, address. Social Security number, etc. As part of our fraud-prevention program, a notice with additional Information may appear. As a security precaution, the Social Security number that you used to obtain this report Is not displayed The Geographical Code shown with each address identifies the state, county, census trad, Block group and Metropolitan Statistical Area associated with each address.
Names:
JOHN O CONSUMER
JONATHON O CONSUMER J O CONSUMER
Social Security numOer variations:

Address: 123 MAIN STREET ANYTOWN. MD 90001-9999 Type of Residence: Multifamily Geographical Code: 0-1 5651 0-3 1-3840
Address: 555 SIMPLE PLACE ANVTOWM, MD 90002-7777 Type of Residence: Single family Geographical Codei 0-176510-33-3840
Year of birth:
s 999 HIGH DRIVE APT 15B ANYTOWN. MD 90003-5555 Type of Residence: Apartment complex G eogra ph i cal C ode : 0-1 56 51 0-3 1 - 8840
1954
Employers:
ABODE ENGINEERING CORP
Telephone numbers (555) 5S5 S556 Residential
Your Personal Statement
No general personal statements appear an your report
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Important Message From Experian
Bylaw, we cannot disclose certain medical information (relating >o physical, mental, or behavioral health or condition). Although we do not generally collect such information, it could appear in the name of a data furnisher (i e , "Cancer Center") thai reports your payment history to us. II so. those names display in your report, but in reports to others they display oniy as MEDICAL PAYMENT DATA. Consumer statements included on your report at your request that contain medical information are disclosed to others.
Contacting Us
Conlacl address and phona number for your area will display here.
perian 2005. All rights reserved
anan and the E'pettBn marks herein are service msiha or registered trademarks nfEyparian.