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Applicant

Applicant info entered during report verification process.
Name Employment Status Employment Income Assets Other Income Request Status
John Doe Employed $1,237.50 PerMonth $0.00 $0.00 PerMonth Accepted

Application Status

Indicates any bureau-specific status, error or warning messages.
Record Found Frozen File Report Date Bureau Status Address Discrepancy
Yes No 2017-07-28 ** HAWK: Clear for all searches. TU MESSAGE No

Score

Score Score Factor 1 Score Factor 2 Score Factor 3 Score Factor 4
486 Level of delinquency on accounts Too few bank revolving accounts Number of accounts with delinquency Unknown

Recommendation

Decline


Based on the credit requirements you've set for this property, the credit history for these applicants contains adverse events that indicate a significant risk in the applicants' ability to meet the lease terms you've indicated. The risk is significant enough that you should not lease to these applicants 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 applicants.

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 $19,192.00 0 $0.00 $0.00 $0.00 0%
Revolving $0.00 2 $0.00 $0.00 $0.00 0%
Installment $28,355.00 28 $0.00 $26,594.00 $474.00 0%
Mortgage $0.00 1 $0.00 $0.00 $0.00 0%
Open $0.00 1 $0.00 $0.00 $0.00 0%
Total $47,547.00 32 $0.00 $26,594.00 $945.00 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
1 4 7 12 66

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
0 $927.00 0 0 $4631.00 $5558.00

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 2608 Mary Land Park ANYTOWN CA 90210 Address contained in bureau database
Personal 5678 AnyStreet Avenue ANYTOWN CA 90210 Address contained in bureau database
Personal 1234 Main Street ANYTOWN CA 90210 Address contained in bureau database

AKAs

Lists different names a consumer may use over time at different institutions.
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.
1 Name Loan Type Designator Industry Current Rating
CAP ONE Credit Card Individual account Banks Charged off as bad debt
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$579.00 $579.00 $300.00 $579.00
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2013-02-03 2011-01-19 2012-02-18 Unknown Account closed by credit grantor 0
2 Name Loan Type Designator Industry Current Rating
CAP ONE Credit Card Individual account Banks Charged off as bad debt
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$515.00 $515.00 $300.00 $515.00
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2013-02-03 2011-04-14 2012-02-10 Unknown Account closed by credit grantor 0
3 Name Loan Type Designator Industry Current Rating
CAPITAL 1 FA Automobile Joint contractual liability on account Finance, personal Repossession
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$18,098.00 $3,537.00 $0.00 $19,708.00
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2013-01-31 2011-04-11 2012-10-31 Monthly (due every month) Repossession 0
4 Name Loan Type Designator Industry Current Rating
SALLIE MAE Student Loan Individual account Banks 120 days past due
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$1,145.00 $482.00 $0.00 $1,253.00 0 0 10
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2013-01-31 2004-09-28 Monthly (due every month) No Comments 48 Payments
5 Name Loan Type Designator Industry Current Rating
SALLIE MAE Student Loan Individual account Banks 120 days past due
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$1,108.00 $445.00 $0.00 $1,750.00 0 0 9
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2013-01-31 2009-09-22 Monthly (due every month) No Comments 40 Payments
6 Name Loan Type Designator Industry Current Rating
CAR CREDIT Automobile Joint contractual liability on account Automotive 90 days past due
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$0.00 $0.00 $0.00 $11,035.00 1 1 0
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2010-05-10 2009-12-08 2010-05-10 Monthly (due every month) Account closed due to transfer 5 Payments
7 Name Loan Type Designator Industry Current Rating
GATEWY METRO Automobile Joint contractual liability on account Finance other than personal Paid or paying as agreed
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$0.00 $0.00 $0.00 $1,604.00 0 0 0
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2007-02-28 2006-01-12 2007-02-28 Monthly (due every month) Closed 13 Payments
8 Name Loan Type Designator Industry Current Rating
1ST SOURCE B Conventional Real Estate Mortgage Joint contractual liability on account Banks Paid or paying as agreed
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$0.00 $0.00 $0.00 $112,400.00 0 0 0
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2006-10-31 2006-09-15 2006-10-31 Monthly (due every month) Transfer 3 Payments
9 Name Loan Type Designator Industry Current Rating
GATEWY METRO Automobile Joint contractual liability on account Finance other than personal Paid or paying as agreed
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$0.00 $0.00 $0.00 $5,155.00 0 0 0
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2006-01-31 2003-06-24 2006-01-31 Monthly (due every month) Closed 32 Payments
10 Name Loan Type Designator Industry Current Rating
WORLD FIN Secured Individual account Finance, personal Paid or paying as agreed
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$0.00 $0.00 $0.00 $462.00 0 0 0
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2005-10-18 2005-06-10 2005-10-18 Monthly (due every month) Closed 4 Payments
11 Name Loan Type Designator Industry Current Rating
WORLD FIN Secured Individual account Finance, personal Paid or paying as agreed
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$0.00 $0.00 $0.00 $462.00 0 0 0
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2005-06-10 2005-01-07 2005-06-10 Monthly (due every month) Closed 5 Payments
12 Name Loan Type Designator Industry Current Rating
WORLD FIN Secured Individual account Finance, personal Paid or paying as agreed
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$0.00 $0.00 $0.00 $462.00 0 0 0
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2005-01-07 2004-09-01 2005-01-07 Monthly (due every month) Closed 3 Payments
13 Name Loan Type Designator Industry Current Rating
WORLD FIN Secured Individual account Finance, personal Paid or paying as agreed
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$0.00 $0.00 $0.00 $462.00 0 0 0
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2004-09-01 2004-06-07 2004-09-01 Monthly (due every month) Closed 3 Payments
14 Name Loan Type Designator Industry Current Rating
US DEP ED Student Loan Individual account Government Unrated or bankruptcy
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$0.00 $0.00 $0.00 $10,638.00 0 0 0
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2010-12-31 2010-02-19 2010-12-31 Unspecified No Comments 0
15 Name Loan Type Designator Industry Current Rating
VERIZON Telecommunications/Cellular Individual account Utilities and fuel Unrated or bankruptcy
Balance Past Due Credit Limit High Limit 30 days late 60 days late 90 days late
$0.00 $0.00 $0.00 $798.00
Date Reported Date Opened Date Closed Date Paid Out Payment Terms Remarks Payment Pattern
2010-09-04 2007-02-13 2007-08-01 Unknown Chap. 7/dispute of account information 0

Collections

Collections
Name Type Industry Rating Balance High Credit Past Due Agency
ELECTRIC COMPANY Individual account Collection services Collection account $414.00 $405.00 $0.00 CONSUMER ADJ
Placed for collection Date Opened: 2012-11-05
SPRINT Individual account Collection services Collection account $2,169.00 $1,325.00 $0.00 NCO FIN /99
Placed for collection Date Opened: 2012-09-04
COMCAST COMMUNICATIONS Individual account Collection services Collection account $519.00 $519.00 $0.00 CRD PRT ASSO
Placed for collection Date Opened: 2012-09-11
CTU ONLINE Individual account Collection services Collection account $761.00 $761.00 $0.00 GENERAL REV
Placed for collection Date Opened: 2012-09-18

Employments

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
Charter Communications 2012-11-19
US POSTAL SERVICE 2011-07-18
Student Nurse 2010-12-30

Public Records

Records of legal proceedings affecting an individual's credit-worthiness. These items are all negative and include such items as foreclosures, bankruptcies, tax liens, etc.
Type Court Ref # Designator Industry Amount Asset Amount Liabilities Amount
State tax lien RD 29195 I Miscellaneous 1324
Paid civil judgement CI 15091 C Miscellaneous 1415
State tax lien RD 29515 I Miscellaneous 1599

Inquiries

An inquiry is the record of a credit check on the consumer's file.
Name ID Industry Date
GECRB 146004 Credit card, travel/entertainment 2012-11-23
GECRB/JCP 255787 Credit card, travel/entertainment 2012-11-23
T-MOBILE 1483426 Utilities and fuel 2012-11-17
GENERAL REVE 1001320 Collection services 2012-09-19
T-MOBILE 2021438 Utilities and fuel 2012-08-08
TRAK-1 305965 Miscellaneous 2012-05-14
EQUIFAX MORT 1477328 Miscellaneous 2012-04-17
GCS CREDIT U 1630547 Finance, personal 2012-04-11
FDC 1386541 Miscellaneous 2012-04-04
COAF 288608 Finance, personal 2011-04-11
CAP ONE 1371844 Banks 2011-04-09
OLIVER C JOS 1373570 Automotive 2011-04-09

Criminal History

Pennsylvania Administrator of Courts - PA

Court Action
Arrest
Activity ID Court Record ID Filing Date Case Title Effective Date Disposition Date
-- MJ-1234-NT-1234-1234 2009-04-02 -- -- --
Court Charge
Description Disposition
HARASSMENT - SUBJECT OTHER TO PHYSICAL CONTACT NOT GUILTY
Charge Severity Felony Statute ID Counts Verdict Date Status
-- -- STATUTE - 18 - 2709 - A1 -- -- --
Plead Guilty Negotiated Plea No Contest Plea Description
-- -- -- --

Pennsylvania Administrator of Courts - PA

Court Action
Arrest
Activity ID Court Record ID Filing Date Case Title Effective Date Disposition Date
-- MJ-3434-NT-3434334-2322 2008-08-27 -- -- --
Court Charge
Description Disposition
BAD CHECKS GUILTY PLEA
Charge Severity Felony Statute ID Counts Verdict Date Status
-- -- STATUTE - 18 - 4105 - A1 -- -- --
Plead Guilty Negotiated Plea No Contest Plea Description
-- -- -- --

Eviction Records

Name Location Matches Previously Known Address
JOHN DOE ANYTOWN, PA 19050 Yes
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