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PCS Credit Report

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PCS\' Sample Credit Report.

PCS\' Sample Credit Report.


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  • 1. 5550 Merrick Road Suite #203 Tel: (516) 799-9600 Massapequa, NY 11758 Fax: (516) 799-9610 www.platinumcreditservices.com PLATINUM CREDIT E-Mail: SERVICES PREPARED FOR: Platinum Credit Services, Inc. 5550 MERRICK ROAD, SUITE 203 MASSAPEQUA, NY 11758 Reference #: AHBPF-5012004 Request Date: 2/16/2007 AUS Reference #: Completed Date: 2/16/2007 TM Credit Assure Applicant: CONSUMER, JONATHON High Middle Low Credit bureau Experian Equifax TransUnion Current score 700 670 664 Potential improvement* +44 +10 +60 Opportunity type Credit management Credit management Credit management Timeframe 30 days 30 days 30 days Potential score 744 680 724 *Potential Improvement Available cash is set at $2,000. Click on a "more..." button above to try different settings which may yield better results. Potential score improvements include the impact of actions identified by TM Credit Assure and the effect of time. Time may account for none, some, or all of a potential improvement, and may decrease it or even cause it to be negative. TM Credit Assure disclaimer: CreditXpert® products are based on information derived from credit reports produced by the major credit reporting agencies. CreditXpert Inc. is not responsible for inaccurate results, including any due to incorrect, missing, or outdated credit report information. Score changes predicted by CreditXpert products are only estimates and are not guaranteed. CreditXpert Inc. does not TM represent that CreditXpert Credit Scores are identical or similar to credit scores produced by any other company. CreditXpert Inc. is not associated with Fair Isaac Corporation. CreditXpert Inc. is not a credit counseling or a credit repair organization. THE FOREGOING IS NOT INTENDED TO PROVIDE OR IMPLY WARRANTIES OF ANY KIND. CREDITXPERT PRODUCTS ARE PROVIDED ON AN "AS IS" BASIS, AND CREDITXPERT INC. AND ITS DISTRIBUTORS DISCLAIM ANY AND ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, NON-INTERFERENCE AND/OR ACCURACY OF INFORMATIONAL CONTENT. Copyright © 2000-2006, CreditXpert Inc. All rights reserved. CreditXpert® is a registered trademark of CreditXpert Inc. AHBPF-5012004
  • 2. 5550 Merrick Road Suite #203 Tel: (516) 799-9600 Massapequa, NY 11758 Fax: (516) 799-9610 www.platinumcreditservices.com PLATINUM CREDIT E-Mail: SERVICES PREPARED FOR: Platinum Credit Services, Inc. 5550 MERRICK ROAD, SUITE 203 MASSAPEQUA, NY 11758 Attention: PCS Prepared By: Report Type: TRI-MERGE Reference #: AHBPF-5012004 Request Date: 2/16/2007 Sources: TU, EFX and XPN Password: b2JzphMzQ7 Completed Date: 2/16/2007 Loan Type: Client Loan #: Client #: 100 ECOA Type: INDIVIDUAL AUS Reference #: Loan Officer: Applicant Information Applicant: CONSUMER, JONATHON DOB: 11/07/1938 SSN#: ***-**-6789 Co-Applicant: DOB: SSN#: Street Address: 10655 N BIRCH STREET Marital Status: City, State, Zip: BURBANK, CA 90210 Own/Rent: Length of Time: Dependants: Property: Score Information FOR: CONSUMER, EFX BEACON 5.0 SCORE 670 Range 300 to 850 JONATHAN Q JR Score Date: 2/16/2007 EFX-1 39 SERIOUS DELINQUENCY 14 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 13 TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN 08 TOO MANY INQUIRIES LAST 12 MONTHS FOR: CONSUMER, TU FICO CLASSIC 04 664 Range 336 to 843 JONATHON Q Score Date: 2/16/2007 TU-1 039 SERIOUS DELINQUENCY 016 LACK OF RECENT REVOLVING ACCOUNT INFORMATION 013 TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN 014 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED INQUIRIES IMPACTED THE CREDIT SCORE AHBPF-5012004 Page 1 of 5
  • 3. Score Information FOR: CONSUMER, XPN/FAIR, ISAAC MODEL II +700 Range 300 to 850 JONATHAN QUINCY Score Date: 2/16/2007 XPN-1 22 SERIOUS DELINQUENCY, DEROGATORY PUBLIC RECORD OR COLLECTION FILED 13 TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN 18 NUMBER OF ACCOUNTS WITH DELINQUENCY 34 AMOUNT OWED ON DELINQUENT ACCOUNTS Employment Information Applicant Co-Applicant Employer: AJAX HARDWARE Employer: Position Held: Position Held: Start/Stop Dates: Start/Stop Dates: Income: Income: Verified By/Date: Verified By/Date: See Additional Employment section for more information. Trade Information Date Date High Balance Current Historical Status Creditor Name Terms Past Due Reported Opened Credit Owing Status Credit Acct. Times Past Due Last Past Account Number DLA ECOA #Mo Limit Type 30 60 90 Due HOME FINANCIAL 01/98 05/90 400000 234000 3128 CURR 92 0 0 0 24000098500012 12/97 INST 2 XPN-1 Loan Term: 360M AMOUNT IS ORIGINAL LOAN AMOUNT OPEN ACCOUNT THIS IS AN ACCOUNT IN GOOD STANDING REAL ESTATE SPECIFIC TYPE UNKNOWN CENTRAL BANK 06/96 12/93 22350 11050 465 30 SLOW 31 1 0 0 465 23802654388 05/96 INST 1 XPN-1 06/96 Loan Term: 48M AMOUNT IS ORIGINAL LOAN AMOUNT OPEN ACCOUNT ACCOUNT 30 DAYS PAST DUE DATE AUTO LOAN HAROLDS 02/07 04/99 300 0 CURR 88 0 0 0 3059100576 01/05 REV I EFX-1 ACCOUNT CLOSED BY CONSUMER CHARGE ISLAND SAVINGS 10/97 05/96 5700 0 CURR 18 0 0 0 405855254820 7000 REV 2 XPN-1 CREDIT LINE CLOSED-CONSUMER REQUESTED-REPORTED BY SUBSCRIBER CLOSED ACCOUNT THIS IS AN ACCOUNT IN GOOD STANDING CREDIT CARD, TERMS REV MEDWAY 10/01 12/99 3200 0 111 UNRATED 13 0 0 0 19006544000001 INST I EFX-1 UNSECURED AHBPF-5012004 Page 2 of 5
  • 4. Trade Information Date Date High Balance Current Historical Status Creditor Name Terms Past Due Reported Opened Credit Owing Status Credit Acct. Times Past Due Last Past Account Number DLA ECOA #Mo Limit Type 30 60 90 Due SCHOOLS FCU 01/07 09/05 0 0 800 CURR 48 0 0 0 307419060205 INST I TU-1 Loan Term: 36M CLOSED OR PAID ACCOUNT/ZERO BALANCE RECREATIONAL MERCHANDISE SCHOOLS FCU 01/07 09/05 0 0 CURR 48 0 0 0 307419060300 INST I TU-1 CLOSED OR PAID ACCOUNT/ZERO BALANCE RECREATIONAL MERCHANDISE SCHOOLS FCU 01/07 09/05 0 0 CURR 16 0 0 0 0 30741906 REV I TU-1 LINE OF CREDIT CLOSED Collection Information Date Date High Account Name Balance Acct. Type Account Status Past Due Reported Opened Credit Last Past Account Number Client Credit Limit ECOA Due CREDIT AND COLLECTION 04/96 09/94 500 250 CHG OFF 98E543182136 DR. JOHN KILDARE 2 XPN-1 09/94 AMOUNT IS ORIGINAL LOAN AMOUNT CUSTOMER DISPUTED ACCOUNT - REPORTED BY SUBSCRIBER ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR'S INTERNAL COLLECTION DEPARTMENT UNKNOWN - CREDIT EXTENSION, REVIEW, OR COLLECTION Public Record Information Date Original Public Record Type Date Filed Balance Current Status Amount Past Due Reported Amount Case/Court Number Name Segment OBTAINED THROUGH TU, EFX and XPN THE REPORTING BUREAU CERTIFIES THAT: public records have been checked for judgments, foreclosures, garnishments, bankruptcies, tax liens, and other legal actions involving the subject(s). Public Records were obtained directly through the repositories used, or by direct searches, or a public records search firm other than the repository, or by all methods with the following results: BANKRUPTCY CH-13 LIAB ASSET EXEMPT XPN-1 35054539906234561 / 3009999 02/93 02/93 100000 8500 BK 13-PETIT BK 13-PETIT U S BANKRUPTCY COURT VOLUNTARY Additional Employment Information Current Employment - Applicant Employer: AJAX HARDWARE Hire Date: Date Discharged: Additional Address Information Former Address(es) W 10655 BIRCH ST, BURBANK, CA 91502 12/08/2004 TU-1 AHBPF-5012004 Page 3 of 5
  • 5. Inquiries PLATINUM CR 2/16/2007 TU-1 ISSOLUT 1/29/2007 EFX-1 Creditor Information List Company Phone Address City,State,Zip MEDWAY SAVINGS BANK 81 MAIN STREET MEDWAY MA 02053 Source(s) of Information File Segment File Holder Name Social Security # Address EFX-1 CONSUMER, JONATHAN Q JR TU-1 CONSUMER, JONATHON Q ***-**-8956 N 10633 BIRCH ST, NORTH HOLLYWOOD, CA 91603 XPN-1 CONSUMER, JONATHAN QUINCY ***-**-9990 10655 N BIRCH ST, BURBANK, CA 91502-1234 Alerts and Validation ID FRAUD VICTIM ALERT XPN-1 **#HK# ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICANT INFORMATION. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING 05-01-02. EDIT ALERT TU-1 PI01 - SOCIAL SECURITY NUMBER. INVALID FORMAT IGNORED. The following AKA(s) were reported Name SSN # DOB SMITH, JOHN ** XPN-1 ** Indicates Additional Information May Exist AHBPF-5012004 Page 4 of 5
  • 6. Profile Summary Credit History Summary Derogatory Summary Count Balance Payments Past Due Count Mortgage: 1 $234000 $3128 $0 Charge Offs: 0 Auto: 1 $11050 $465 $465 Collections: 1 Education: 0 $0 $0 $0 Incl. in Bankruptcy: 0 Installment: 3 $0 $911 $0 Late 30 Days: 1 Open: 0 $0 $0 $0 Late 60 Days: 0 Revolving: 2 $0 $0 $0 Late 90 Days: 0 Other: 1 $0 $0 $0 Public Records: 1 Total: 8 $245050 $4504 $465 Inquiries*: 2 Secured Debt: $234000 Unsecured Debt: $11050 *Number of inquires within the last 90 days Notice: This is a Merged report containing information supplied by the sources shown. The merge process is automated and the report may include some duplications and/or omissions. Bureau Addresses EQUIFAX PO BOX 105873, ATLANTA, GA 30348 (800) 685-1111 EXPERIAN PO BOX 2002, ALLEN, TX 75013 (888) 397-3742 TRANSUNION 2 BALDWIN PLACE, P. O. BOX 1000, CHESTER, PA 19022 (800) 888-4213 This credit report is for the intended use of originating entity only. Use of this credit report by any other entity other than the originating entity constitutes second use. Second use users are required to post a secondary use inquiry on the consumer credit file. In addition, a Client Service Agreement must be completed and forwarded to the originating Credit Reporting Agency. Second use users can log onto the following website to post second use information and obtain a copy of the Client Service Agreement. https://www.xpertonline.net/SecondUse *** END OF REPORT - 3/19/2007 9:50:45 AM *** AHBPF-5012004 Page 5 of 5
  • 7. 5550 Merrick Road Suite #203 Tel: (516) 799-9600 Massapequa, NY 11758 Fax: (516) 799-9610 www.platinumcreditservices.com PLATINUM CREDIT E-Mail: SERVICES PREPARED FOR: Platinum Credit Services, Inc. 5550 MERRICK ROAD, SUITE 203 MASSAPEQUA, NY 11758 Reference #: AHBPF-5012004 Request Date: 2/16/2007 AUS Reference #: Completed Date: 2/16/2007 Applicant Information Applicant: CONSUMER, JONATHON 11/07/1938 SSN#: ***-**-6789 Co-Applicant: SSN#: Street Address: 10655 N BIRCH STREET City, State, Zip: BURBANK, CA 90210 Score Information FOR: CONSUMER, EFX BEACON 5.0 SCORE 670 Range 300 to 850 JONATHAN Q JR Score Date: 2/16/2007 EFX-1 39 SERIOUS DELINQUENCY 14 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 13 TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN 08 TOO MANY INQUIRIES LAST 12 MONTHS FOR: CONSUMER, TU FICO CLASSIC 04 664 Range 336 to 843 JONATHON Q Score Date: 2/16/2007 TU-1 039 SERIOUS DELINQUENCY 016 LACK OF RECENT REVOLVING ACCOUNT INFORMATION 013 TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN 014 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED INQUIRIES IMPACTED THE CREDIT SCORE FOR: CONSUMER, XPN/FAIR, ISAAC MODEL II +700 Range 300 to 850 JONATHAN QUINCY Score Date: 2/16/2007 XPN-1 22 SERIOUS DELINQUENCY, DEROGATORY PUBLIC RECORD OR COLLECTION FILED 13 TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN 18 NUMBER OF ACCOUNTS WITH DELINQUENCY 34 AMOUNT OWED ON DELINQUENT ACCOUNTS AHBPF-5012004 SCORE PAGE
  • 8. SCORE(S) DISCLOSURE NOTICE TO HOME LOAN APPLICANT In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency (credit bureau) distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores. The credit score is a computer generated summary calculated at the time of the request and based on information a consumer reporting agency (credit bureau) or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change. Because the score is based on information in your credit history, it is very important that you review the credit related information that is being furnished to make sure it is accurate. Credit records may vary from one company to another. If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency (credit bureau) at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency (credit bureau) plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application. If you have questions concerning the terms of the loan, contact the lender **The credit reporting agency (CRA) is allowed to charge a reasonable fee for this disclosure** EQUIFAX PO BOX 105873, ATLANTA, GA 30348 (800) 685-1111 EXPERIAN PO BOX 2002, ALLEN, TX 75013 (888) 397-3742 TRANSUNION 2 BALDWIN PLACE, P. O. BOX 1000, CHESTER, PA 19022 (800) 888-4213 I/We have received a copy of this disclosure as required by Federal Law and understand my/our rights regarding my/our credit scores (Applicant): JONATHON CONSUMER Date AHBPF-5012004 SCORE PAGE

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