Sample Report
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
The recommendation provided is based off of the credit history returned for your applicant. Please take a look at the report on whole before making your final decision.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 CardDesignator: Individual account
Industry: Banks
Current Rating: 60 days past due
Date
Reported: 2017-09-16Opened: 2016-08-31
Balance
Balance: $397.00Past Due: $54.00
Credit Limit: $300.00
High Limit: $397.00
30 Days Late: 1
Payment Terms
Terms: UnknownRemarks: No Comments
Payment Pattern: 12 Payments
Payment Pattern
The payment pattern shows up to a 48-month history of the account rating values on the trade account. The pattern is incremented each month - from most recent to oldest, starting with the start date - during processing of automated trade accounts.
Start Date: 08/16/2017
1. 30 days past due2. Paid or paying as agreed
3. Paid or paying as agreed
4. Paid or paying as agreed
5. Paid or paying as agreed
6. Paid or paying as agreed
7. Paid or paying as agreed
8. Paid or paying as agreed
9. Paid or paying as agreed
10. Paid or paying as agreed
11. Paid or paying as agreed
12. Paid or paying as agreed
CREDIT FIRST 2016-10-03
Loan Info
Loan Type: Charge AccountDesignator: Individual account
Industry: Automotive
Current Rating: 30 days past due
Date
Reported: 2017-10-13Opened: 2016-10-03
Balance
Balance: $1,271.00Past Due: $95.00
Credit Limit: $1,200.00
High Limit: $1,271.00
Payment Terms
Terms: UnknownRemarks: No Comments
Payment Pattern: 12 Payments
Payment Pattern
The payment pattern shows up to a 48-month history of the account rating values on the trade account. The pattern is incremented each month - from most recent to oldest, starting with the start date - during processing of automated trade accounts.
Start Date: 09/13/2017
1. Paid or paying as agreed2. Paid or paying as agreed
3. Paid or paying as agreed
4. Paid or paying as agreed
5. Paid or paying as agreed
6. Paid or paying as agreed
7. Paid or paying as agreed
8. Paid or paying as agreed
9. Paid or paying as agreed
10. Paid or paying as agreed
11. Paid or paying as agreed
12. Paid or paying as agreed
WEBBNK/FHUT 2016-06-05
Loan Info
Loan Type: Charge AccountDesignator: Individual account
Industry: Department stores
Current Rating: Paid or paying as agreed
Date
Reported: 2017-10-06Opened: 2016-06-05
Balance
Balance: $302.00Past Due: $0.00
Credit Limit: $400.00
High Limit: $424.00
30 Days Late: 1
Payment Terms
Terms: UnknownRemarks: Affected by natural/declared disaster
Payment Pattern: 16 Payments
Payment Pattern
The payment pattern shows up to a 48-month history of the account rating values on the trade account. The pattern is incremented each month - from most recent to oldest, starting with the start date - during processing of automated trade accounts.
Start Date: 09/06/2017
1. 30 days past due2. Paid or paying as agreed
3. Paid or paying as agreed
4. Paid or paying as agreed
5. Paid or paying as agreed
6. Paid or paying as agreed
7. Paid or paying as agreed
8. Paid or paying as agreed
9. Paid or paying as agreed
10. Paid or paying as agreed
11. Paid or paying as agreed
12. Paid or paying as agreed
13. Paid or paying as agreed
14. Paid or paying as agreed
15. Paid or paying as agreed
16. Paid or paying as agreed
CREDIT ONE BANK 2017-02-08
Loan Info
Loan Type: Credit CardDesignator: Individual account
Industry: Banks
Current Rating: Paid or paying as agreed
Date
Reported: 2017-09-18Opened: 2017-02-08
Balance
Balance: $293.00Past Due: $0.00
Credit Limit: $300.00
High Limit: $328.00
Payment Terms
Terms: UnknownRemarks: No Comments
Payment Pattern: 7 Payments
Payment Pattern
The payment pattern shows up to a 48-month history of the account rating values on the trade account. The pattern is incremented each month - from most recent to oldest, starting with the start date - during processing of automated trade accounts.
Start Date: 08/18/2017
1. Paid or paying as agreed2. Paid or paying as agreed
3. Paid or paying as agreed
4. Paid or paying as agreed
5. Paid or paying as agreed
6. Paid or paying as agreed
7. Paid or paying as agreed
CONNS 2017-06-24
Loan Info
Loan Type: SecuredDesignator: Individual account
Industry: Home furnishing
Current Rating: Paid or paying as agreed
Date
Reported: 2017-09-15Opened: 2017-06-24
Balance
Balance: $1,653.00Past 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
Payment Pattern
The payment pattern shows up to a 48-month history of the account rating values on the trade account. The pattern is incremented each month - from most recent to oldest, starting with the start date - during processing of automated trade accounts.
Start Date: 08/15/2017
1. Paid or paying as agreed2. Paid or paying as agreed
SANTANDER 2016-10-08
Loan Info
Loan Type: AutomobileDesignator: Individual account
Industry: Finance, personal
Current Rating: Paid or paying as agreed
Date
Reported: 2017-08-31Opened: 2016-10-08
Balance
Balance: $16,405.00Past 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
Payment Pattern
The payment pattern shows up to a 48-month history of the account rating values on the trade account. The pattern is incremented each month - from most recent to oldest, starting with the start date - during processing of automated trade accounts.
Start Date: 07/31/2017
1. Paid or paying as agreed2. Paid or paying as agreed
3. Paid or paying as agreed
4. Paid or paying as agreed
5. Paid or paying as agreed
6. Paid or paying as agreed
7. Paid or paying as agreed
8. Paid or paying as agreed
9. Paid or paying as agreed
10. Paid or paying as agreed
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
1712 ANYTOWN RD #C
DAYTON OH , 12345
Case Type:
Forcible Entry/Detainer
Record: MY06123456
File #: CVG123456
Record: MY06123456
File #: CVG123456
County:
Crawford County Municipal Court
Plaintiff: Indian Valley Llc
Judgement Amount: N/A
Plaintiff: Indian Valley Llc
Judgement Amount: N/A