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Applicant

Applicant info entered during report verification process.
Name Employment Status Employment Income Assets Other Income Request Status
John C Doe Employed $2,300.00 Per Month $0.00 $2,300.00 Per Month

Application Status

Indicates any bureau-specific status, error or warning messages.
Record Found Frozen File Report Date Bureau Status Address Discrepancy
Yes No 2017-10-19 PHONE APPEND: Area code and phone number found on new source. No

Score

476
Score Factor 1 Score Factor 2 Score Factor 3 Score Factor 4
Available credit on bankcard accounts is too low Number of satisfactory accounts is too low in proportion to total number of accounts Too many revolving accounts with balances too high in proportion to credit limits Average limit of bankcard accounts is too low

Recommendation

Decline
Based on the credit requirements you've set for this property, the credit history for this applicant contain adverse events that indicate a significant risk in the applicant's ability to meet the lease terms you've indicated. The risk is significant enough that you should not lease to this applicant without additional financial security (e.g. a cosigner/guarantor). At this point no further steps are necessary other than to communicate your decision to the applicant.

Credit Summary

Summary information regarding various items contained in the credit report.
Type Balance Count Credit Limit High Credit Monthly Payment Percent Credit Available
Closed with Balance $0.00 0 $0.00 $0.00 $0.00 0%
Revolving $2,263.00 4 $2,200.00 $2,420.00 $135.00 6%
Installment $18,058.00 4 $0.00 $19,340.00 $478.00 0%
Mortgage $0.00 0 $0.00 $0.00 $0.00 0%
Open $0.00 0 $0.00 $0.00 $0.00 0%
Total $20,321.00 8 $2,200.00 $21,760.00 $613.00 0%

Derogatory Items

Derogatory items are those that count negatively towards a individual's credit rating.
Public Records Collections Negative Tradelines Negative Tradeline History Occurance History
3 8 6 2 2

Past Due

This item summarizes lines of credit with an amount listed as past due (i.e. not paid on time).
Revolving Past Due Installment Past Due Mortgage Past Due Open Past Due Closed With Balance Past Due Total Past Due
$149.00 $0.00 $0.00 $0.00 $0.00 $149.00

Previous Addresses

Includes any number of possible locations including current and previous homes, past or current employers, etc.
Address Type Address City State Zip Source
Personal 1234 ANYTOWN DR CYPRESS TX 77429 Address contained in bureau database
Personal 1234 LOUIS ARMSTRONG DR AUSTIN TX 78750 Address contained in bureau database
Personal 1234 AVENUE ABC WICHITA FALLS TX 76309 Address contained in bureau database

Known Aliases (AKAs)

Name Birth Date
Doey, Johnny 1979-02-06

Tradelines

A tradeline is an entry by a credit grantor to a consumer's credit history describing the consumer's account status and activity.

FIRST PROGRESS 2016-08-31

Loan Info

Loan Type: Credit Card
Designator: Individual account
Industry: Banks
Current Rating: 60 days past due

Date

Reported: 2017-09-16
Opened: 2016-08-31

Balance

Balance: $397.00
Past Due: $54.00
Credit Limit: $300.00
High Limit: $397.00
30 Days Late: 1

Payment Terms

Terms: Unknown
Remarks: No Comments
Payment Pattern: 12 Payments

CREDIT FIRST 2016-10-03

Loan Info

Loan Type: Charge Account
Designator: Individual account
Industry: Automotive
Current Rating: 30 days past due

Date

Reported: 2017-10-13
Opened: 2016-10-03

Balance

Balance: $1,271.00
Past Due: $95.00
Credit Limit: $1,200.00
High Limit: $1,271.00

Payment Terms

Terms: Unknown
Remarks: No Comments
Payment Pattern: 12 Payments

WEBBNK/FHUT 2016-06-05

Loan Info

Loan Type: Charge Account
Designator: Individual account
Industry: Department stores
Current Rating: Paid or paying as agreed

Date

Reported: 2017-10-06
Opened: 2016-06-05

Balance

Balance: $302.00
Past Due: $0.00
Credit Limit: $400.00
High Limit: $424.00
30 Days Late: 1

Payment Terms

Terms: Unknown
Remarks: Affected by natural/declared disaster
Payment Pattern: 16 Payments

CREDIT ONE BANK 2017-02-08

Loan Info

Loan Type: Credit Card
Designator: Individual account
Industry: Banks
Current Rating: Paid or paying as agreed

Date

Reported: 2017-09-18
Opened: 2017-02-08

Balance

Balance: $293.00
Past Due: $0.00
Credit Limit: $300.00
High Limit: $328.00

Payment Terms

Terms: Unknown
Remarks: No Comments
Payment Pattern: 7 Payments

CONNS 2017-06-24

Loan Info

Loan Type: Secured
Designator: Individual account
Industry: Home furnishing
Current Rating: Paid or paying as agreed

Date

Reported: 2017-09-15
Opened: 2017-06-24

Balance

Balance: $1,653.00
Past Due: $0.00
Credit Limit: $0.00
High Limit: $1,680.00

Payment Terms

Terms: Monthly (due every month)
Remarks: Affected by natural/declared disaster
Payment Pattern: 2 Payments

SANTANDER 2016-10-08

Loan Info

Loan Type: Automobile
Designator: Individual account
Industry: Finance, personal
Current Rating: Paid or paying as agreed

Date

Reported: 2017-08-31
Opened: 2016-10-08

Balance

Balance: $16,405.00
Past Due: $0.00
Credit Limit: $0.00
High Limit: $17,660.00

Payment Terms

Terms: Monthly (due every month)
Remarks: No Comments
Payment Pattern: 10 Payments

Collections

Name Type Industry Rating Balance High Credit Past Due Agency
T-MOBILE Individual account Collection services Collection account $424.00 $424.00 $0.00 NCO FIN /99
Placed for collection Date Opened: 2012-05-30
COMCAST COMMUNICATIONS Individual account Collection services Collection account $519.00 $519.00 $0.00 CRD PRT ASSO
Placed for collection Date Opened: 2012-05-30
ELECTRIC COMPANY Individual account Collection services Collection account $623.00 $575.00 $0.00 CONSUMER ADJ
Placed for collection Date Opened: 2014-04-03
MEDICAL Individual account Collection services Collection account $95.00 $90.00 $0.00 WAKEFIELD
Placed for collection Date Opened: 2011-06-08
MEDICAL Individual account Collection services Collection account $279.00 $257.00 $0.00 WAKEFIELD
Placed for collection Date Opened: 2014-04-03
MEDICAL Individual account Collection services Collection account $325.00 $305.00 $0.00 WAKEFIELD
Placed for collection Date Opened: 2012-06-11
MEDICAL Individual account Collection services Collection account $439.00 $411.00 $0.00 WAKEFIELD
Placed for collection Date Opened: 2012-06-11
MEDICAL Individual account Collection services Collection account $278.00 $260.00 $0.00 WAKEFIELD
Placed for collection Date Opened: 2011-06-08

Employment History

Credit reports often include information regarding the consumer's current and previous employers. This can be useful in verifying identity or looking for references.
Employer Name Date Verified Date Employed Location
ABC GENERAL COMP 2016-10-05 2015-01-10 Houston, TX
SELF EMPLOYED 2016-09-05 Not recorded Unknown

Public Records

Type Court Ref # Designator Industry Amount Asset Amount Liabilities Amount
State tax lien RD 14311 I Miscellaneous 1324
Paid civil judgement CI 21598 C Miscellaneous 1415
State tax lien RD 6200 I Miscellaneous 1599

Inquiries

An inquiry is the record of a credit check on the consumer's file.
Name ID Industry Date
GECRB 709586 Credit card, travel/entertainment 2012-11-23
GECRB/JCP 1160801 Credit card, travel/entertainment 2012-11-23
T-MOBILE 1789162 Utilities and fuel 2012-11-17
GENERAL REVE 2198389 Collection services 2012-09-19
T-MOBILE 2121599 Utilities and fuel 2012-08-08
TRAK-1 1854565 Miscellaneous 2012-05-14
EQUIFAX MORT 664072 Miscellaneous 2012-04-17
GCS CREDIT U 1932393 Finance, personal 2012-04-11
FDC 160221 Miscellaneous 2012-04-04
COAF 449685 Finance, personal 2011-04-11
CAP ONE 126069 Banks 2011-04-09
OLIVER C JOS 2072728 Automotive 2011-04-09

Criminal History

Texas Dept of Criminal Justice - TX 12345-ABCD123_12345678910111213

Court Action Court Record ID: 112 2333 45
Court Charge Description: BURG BLDG

Texas Dept of Criminal Justice - TX 12345-ABCD123_12345678910111213

Court Action Court Record ID: B-12,2334
Court Charge Description: EVADING ARREST
Sentencing

Texas Dept of Public Safety - TX 12345-ABCD123_12345678910111213

Arrest Activity ID: Arrest
Activity Date: 2002-06-07
Court Action Court Record ID: 1234566778
Court Charge Description: BURGLARY OF BUILDING
Disposition: CONVICTED
Felony: false
Plead Guilty: true
Negotiated Plea: false
No Contest Plea: false
Description: GUILTY

Texas Dept of Public Safety - TX JOHNDOE312345-ABCD123_12345678910111213

Arrest Activity ID: Arrest
Activity Date: 2003-01-09
Court Action Court Record ID: B12345
Court Charge Description: EVADING ARREST/DETENTION W/VEH
Disposition: CONVICTED
Felony: false
Plead Guilty: true
Negotiated Plea: false
No Contest Plea: false
Description: GUILTY

Smith County - TX JOHNDOE12345-ABCD123_12345678910111213

Court Action Court Record ID: 112-334-55
Filing Date: 2002-08-29
Court Charge Description: BURGLARY OF BUILDING
Disposition: GUILTY PLEA-NO JURY
Felony: false
Statute ID: 30.02(C)(1)

Smith County - TX JOHNDOE12345-ABCD123_12345678910111213

Court Action Court Record ID: 22-3434333
Filing Date: 2014-09-08
Court Charge Description: NO FISHING LICENSE (WHEN REQUIRED)
Felony: false
Statute ID: PW 46.001
Plead Guilty: false
Negotiated Plea: false
No Contest Plea: false
Description: NOLO CONTENDERE

Hunt County - TX JOHNDOE-CR111111_CCCCDDFDFDFDFFDF

Court Action Court Record ID: CR1102224221
Filing Date: 2011-11-16
Court Charge Description: POSS MARIJUANA >2OZ<=4OZ

Henderson County - TX JOHNDOEB-DDDFDFDFDFDFD-343434343434343

Court Action Court Record ID: B-12234,332
Filing Date: 2003-02-11
Court Charge Description: EVADING ARREST/DETENTION W/VEH
Disposition: GUILTY PLEA/NOLO CONTENDRE/NO JURY

Eviction Records

Ohio Evictions 10/24/2013

Address:
1712 ANYTOWN RD #C
DAYTON OH , 12345
Case Type: Forcible Entry/Detainer
Record: MY06123456
File #: CVG123456
County: Crawford County Municipal Court
Plaintiff: Indian Valley Llc
Judgement Amount: N/A