HOW TO READ A CREDIT REPORT - Tenant Data Services, Inc.

HOW TO READ A CREDIT REPORT
PAGE 1 DATE 11-21-99 TIME 10:23:53 PCA08 V401 TCA7
A - JONATHAN QUINCY CONSUMER D - SS: 548-60-3388 E -E: AJAX HARDWARE
10655 N BIRCH ST YOB: 1951 RPTD: 4-99 I
BURBANK CA 91502-1234
B - RPTD: 11-96 TO 3-99 U 3X
E: BELL AUTOMOTIVE
LAST SUB: 2390446
RPTD: 10-89 TO 2-99 I
C - *2600 BOWSER ST #312
LOS ANGELES CA 90017-9876
RPTD: 2-91 I
F - *JACK CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR
------------------------------ PROFILE SUMMARY -------------------------------
G - CNT 04/01/01/20
PUBLIC RECORDS-------2 PAST DUE AMT------$956 INQUIRIES---3 SATIS ACCTS---2
INSTALL BAL----$30,630 SCH/EST PAY-----$1,431 INQS/6 MO---2 NOW DEL/DRG---2
R ESTATE BAL-------N/A R ESTATE PAY-------N/A TRADELINE---5 WAS DEL/DRG---1
REVOLVNG BAL-------$50 REVOLVNG AVAIL-----96% PAID ACCT---1 OLD TRADE--1-68
------------------------------- SCORE SUMMARY --------------------------------
H - NEW NATIONAL RISK SCORE = 205
SCORE FACTORS:
02 RECENT INQUIRIES
19 AVERAGE AGE OF ACCOUNTS
05 BALANCES ON REVOLVING ACCOUNTS
------------------------------ PUBLIC RECORDS --------------------------------
I -*MONTGOMERY COUNTY J - 2-19-98 3019999 K -$12,450 L -STATE TAX LN
BP: B1234P50987 1
*DOUGLAS COUNTY 6-10-99 3009999 $1,200 CIV CL JUDG
D#: 7505853 1 PLAINTIFF: CHANDLER APARTMENTS
----------------------------------- TRADES -----------------------------------
SUBSCRIBER OPEN AMT-TYP1 AMT-TYP2 ACCTCOND PYMT STATUS
SUB# KOB TYP TRM ECOA BALDATE BALANCE PYMT LEVEL MOS REV PYMT HISTORY
ACCOUNT # LAST PD MONTH PAY PAST DUE MAXIMUM BY MONTH
M - *CREDIT AND COLLECTION 9-94 $500-O COLLACCT
3980999 YC UNK UNK 2 4-05-99 $250 9-94 (20) 9999999999999
98E543182136 9999999
ORIGINAL CREDITOR: DR. JOHN KILDARE
HEMLOCKS O - 2-95 P - $900-L Q - $500-H R -CLOSED CUR ACCT
N - 2313849 DC CHG REV 3 6-10-99 $0 2-95 (17) BNCCCCCCCCC-C
8285103111261 CNNC
Experian Credit Report
*MOUNTAIN BK 3-93 $43,225-O OPEN W - 30 3 TIMES
1119999 BI SEC 60 S - 5-17-99 T -$19,330 5-96 V - (39) 1CCCCCC1CCCCC
3562A0197325346R12345< 4-99 U - $956 $956 2-94/1 CCCCCCCCCCCC
>3562A019732534
+++++MORE
©Tenant Data Services, Inc. SM 2000

BRC3 TDS 5861287
CONSUMER, JONATHAN Q 548603388; CA-10655 NORTH BIRCH #1/BURB
PAGE 2
DATE 11-21-99 TIME 10:23:53 PCA08 V401 TCA7
SUBSCRIBER OPEN AMT-TYP1 AMT-TYP2 ACCTCOND PYMT STATUS
SUB# KOB TYP TRM ECOA BALDATE BALANCE PYMT LEVEL MOS REV PYMT HISTORY
ACCOUNT # LAST PD MONTH PAY PAST DUE MAXIMUM BY MONTH
*BAY COMPANY 1-68 $1,400-L $1,200-H OPEN CUR WAS 90
2390446 DC CHG REV 3 5-16-99 $50 3-96 (99) C0C321CCCC000
525556601 3-99 $10-E X - CCCCCCCCCCCC
Y - **ACCOUNT WAS IN DISPUTE-NOW RESOLVED-REPORTED BY SUBSCRIBER**
CENTRAL BANK 12-93 $22,350-O OPEN CUR ACCT
1132912 BI AUT 48 1 6-15-99 $11,050 12-93 (31) CCCCCCCCCCCCC
23802654388 5-99 $465 CCCCCCCCCCCC
COLLATERAL: 1994 FORD TAURUS
--------------------------------- INQUIRIES ----------------------------------
Z - TENANT DATA SERVICES 10-31-98 2958076 ZT
HEMLOCKS
5-05-99 2313849 DC
BAY COMPANY 5-03-99 2390446 DC $1,500 CHG REV
HILLSIDE BANK
3-21-99 2240679 BC
CONSUMER ASSISTANCE CONTACT: EXPERIAN
701 EXPERIAN PARKWAY, PO BOX 2002, ALLEN, TX 75013 888.397.3742
END – EXPERIAN
©Tenant Data Services, Inc. SM 2000

The Experian Credit Report
A
B
C
D
E
F
G
H
I
J
The identifying information of your applicant. The
name and address will appear as reported to
Experian.
Rptd identifies the dates the above address was
reported to Experian. It does not necessarily
represent the move-in or move-out date. The letters
after the dates identify the source the information
came from.
U = Update by tradeline
I = Inquiry
M = Manual data
P = By consumer
A number followed by an X (a 3 in this case)
identifies how many times this address has been
reported.
Applicant’s previous addresses with source, in order
by reliability of source. Up to two may display.
This is the Social Security Number (SSN) Experian
has on file. If the consumer has used multiple SSN’s
or Experian has more than one on file, they will all
be displayed. SSN’s are listed in order of most
frequent use, with the most frequent on top. SSN’s
with an asterisk following indicates that it is not the
one you entered to request the report with. The
applicant’s date or year of birth is listed below the
SSN.
Applicant’s current and previous employer’s name
& address including time frame reported and source.
The current one precedes the previous one.
U = Update by trade line
I = Inquiry
Alternate names such as aliases, maiden, previous
surnames or nicknames are listed.
See “Experian Profile Summary” for detail.
(You may not be utilizing this feature)
The National Risk Score’s range of 0 to 1000 (low
score = low risk) translates directly into statistical
probability. For example, a score of 100 equals a
10% chance that at least one tradeline will become
seriously delinquent in the next 24 months. When
calculating the Risk Score, Experian identifies up to
four characteristics that had the most negative
impact on the score.
The name of the court the public record was filed.
The date the public record was filed. A second date
following this would indicate the date the case was
completed, satisfied, released, discharged, or
dismissed. If there is not a second date, the case
may still be pending or may have been dismissed.
O
P
Q
R
S
T
U
V
The date the account was opened.
The initial amount or limit of the account. The
amount may be followed by the following letters:
L = Credit Limit
H = High Balance
O = Original Loan
C = Initial Charge-off
Blank = Unknown
Two amounts may display. They indicate the
account has a (L)imit and a (H)igh balance.
The account condition indicates the current state of
the account.
The date the balance was last reported on open
accounts, or the date paid on paid accounts.
The balance as of the date listed in “S”.
This is the payment amount the consumer is
scheduled to pay on the account. (E)stimated,
(A)ctual or (S)cheduled may follow the payment
amount.
This indicates the total number of months that a
history has been maintained for the account.
W This comment reflects the payment history of the
account as of the balance date.
X
Y
Z
The 25-month payment history. The upper left is the
most current month reported.
C = Current
N = Current account/zero balance-no update rec’d
0 = Current account/zero balance-update rec’d
1 = 30 days past due date
2 = 60 days past due date
3 = 90 days past due date
4 = 120 days past due date
7 = Chapter 13 Bankruptcy
8 = Derogatory, e.g. foreclosure proceeding
9 = Chapter 7, 11, or 12 Bankruptcy
G = Collection
H = Foreclosure
J = Voluntary surrender
K = Repossession
L = Charge-off
B = Account condition change, payment code N/A
Dash = No history reported for that month
Blank = No history maintained
This message section may include general consumer
statements, informational or other special messages.
The name of the company that requested a credit
report. Includes date requested, subscriber number
and Kind of Business (KOB).
K The amount of the public record.
L The type of the public record.
M The name of the company (subscriber).
N The company’s subscriber number.
©Tenant Data Services, Inc. SM 2000

Experian Profile Summary
------------------------------ PROFILE SUMMARY -------------------------------
PUBLIC RECORDS------2 PAST DUE AMT-----$956 INQUIRIES--3 SATIS ACCTS---2
INSTALL BAL---$30,630 SCH/EST PAY----$1,431 INQS/6 MO--2 NOW DEL/DRG---2
R ESTATE BAL------N/A R ESTATE PAY------N/A TRADELINE--5 WAS DEL/DRG---1
REVOLVNG BAL------$50 REVOLVNG AVAIL----96% PAID ACCT--1 OLD TRADE--1-68
ABBREVIATION
PUBLIC RECORDS
INSTALL BAL
R ESTATE BAL
REVOLVNG BAL
PAST DUE AMT
SCH/EST PAY
R ESTATE PAY
REVOLVING AVAIL
INQUIRIES
INQ/6 MO
TRADELINE
PAID ACCT
SATIS ACCTS
NOW DEL/DRG
WAS DEL/DRG
OLD TRADE
DESCRIPTION
Total number of public record items.
Total installment loan account balance owed by the consumer. Examples of
installment balances include car loans, student loans or other fixed term loans excluding
mortgages.
Total real estate loan account balance owed by the consumer. This primarily consists
of mortgages.
Total revolving charge account balance owed by the consumer. This is primarily
from credit cards or accounts that can be charged up and paid off many times.
Total dollar amount of past due payments owed by the consumer. It includes ALL
types of accounts.
Combined total of scheduled and estimated monthly payments owed by the consumer
with the exception of real estate accounts.
Total dollar amount of real estate payments owed by the consumer.
Total percentage of revolving credit still available to the consumer.
Total number of inquiries in the past two years.
Total number of inquiries made within six months preceding the date of the credit
report.
Total number of tradelines on the credit report. This does not include public records or
inquires. An example of a tradeline would be Visa, Sears or GMAC.
Total of accounts that have been paid satisfactorily or paid after having been
previously delinquent.
Total of accounts that are current or paid satisfactorily.
Total of accounts that are now delinquent or derogatory.
Total of accounts that were delinquent or derogatory, and either have been paid in
full or brought current.
Date the oldest tradeline on the report was opened. This allows you to quickly find
how long credit has been established.
Note:
A plus sign (+) following a Profile Summary total indicates not all tradelines had an amount that could be
included in the total.
©Tenant Data Services, Inc. SM 2000