CIC Report Styles (CR)

 

 
 

Contemporary Information Corporation.
42913 Capital Dr., Unit 101, Lancaster CA 93535.
Phone: 800-288-4757.
Fax: 800-677-8494.
 

 For:

Date Requested:

10-12-2006

    

 Contemporary Information Corp.

Requested By:

Testco

  

 Report#:

401683

Unit/Apt:

2791

Rent Amt:

1200
 

Bureaus:

EXPERIAN

    
.

 INFORMATION REPORTED BY APPLICANT

Report On:

Consumer, Jonathan Q

 SSN#:

548-60-XXXX

 DOB:

01-01-1951

Current Address:

10655 Birch

Burbank, 

CA

91502
 
.

CrosXscore*

 

  

DECLINED

    


 


Declined is based on the following Derogatories:
  Tradelines 30 Days Past Due
  Wager Earner Plan/Pymt Arrangement
  Excessive Collections/Public Rec amount
  Experian Risk Score is too high

The Following items were flagged as possible Derogatories:
  SSN Does Not Match
  Multiple Subjects/SSN
  Mis-match Eviction Record
.
 The application should be carefully REVIEWED and VERIFIED before making final determination.
 .
.

INFORMATION REPORTED BY EXPERIAN

Applicant Name:

  

JONATHAN QUINCY CONSUMER

Birth:  1951

.

Current Address:

  

10655 N Birch ST

BURBANK CA 91502-1234

  

RPTD:

Previous Address:

  

1314 SOPHIA LN APT 3

SANTA ANA CA 92708-5678

  

RPTD:

Previous Address:

  

2600 BOWSER ST #312

LOS ANGELES CA 90017-9876

  

RPTD:

 

  

 

    

 

Employer:

  

AJAX HARDWARE

    

RPTD:

Employer:

  

BELL AUTOMOTIVE

    

RPTD:

 

        

FILE IDENTIFICATION AND FRAUD SEARCH

Source Provided By:  

 

Experian

  

.

Experian Reports On File Since:  

NOT REPORTED

  
 

(WARNING) SSN Match:  NO

 

Ssn-first Possible Year: 1965

    

Ssn-last Possible Year:  1966

    

 Since 03-01-96 There Have Been 0 Social Security Inquiries

  

 Since 03-01-96 There Have Been 0 Address Inquiries

  

 

    

 Phone Answering Service:/abc Answer-all/10655 N Birch St/burank CA

 91502/818.555.1212

 Commercial Business Address:/j&j Investments/2600 Bowser St #312/los

 Angeles CA 90017/213.111.2222

  

 Date Of Birth:  01-10-1951

  

 Date Of Death:  03-30-1996

  

 

    

 Ckpt: Input Ssn Recorded As Deceased

  

.

 

CONSUMER STATEMENT:

 

 03-30-2002   **#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.

.
.

RENTAL HISTORY

Address:

 10655 Birch
 

Verification Not Performed
.

EMPLOYMENT & INCOME VERIFICATIONS
   
 

Employment Verification Not Requested
.

CHECK SCAN
 

Check Authorization Status
 

Approved 8300

CREDIT HISTORY TREND

CREDIT HISTORY SUMMARY AND ACCOUNT DETAILS

Total Number of Tradelines:

   11

 

Number of times Payment Late/Last 24 Mos:

  

13

Number of Positive Tradelines:

   4

 

Total Estimated Monthly Debts:

  

6147

Number of Negative Tradelines:

   7

 

Total Past Due:

  

1387

Number of Open Accounts:

   6

 

Available Credit (%):

  

6.31%

.
 Important Notice: there are 1 tradelines that the payment amount(s) were not provided by the respective credit bureau.
 Total unpaid balance for these unaccounted items is $2117. The above information may be inadequate to determine ones
 credit worth.
.

 Total number of Collections Accounts reported: 1

  

 Total Outstanding Balance of Collection Accounts: 250

 Warning: Careful consideration must be used when combining the outstanding collection amount with total debts.
This figure in whole or part may already be calculated from an original credit tradeline listed below.
.

CREDIT HISTORY

CREDITOR
ACCOUNT NUMBER

DATE
REPORTED

DATE
OPENED

ACCT
Status

HIGH
CREDIT

APPROX.
BALANCE

TERMS

MOS
REV

TIMES
PAST DUE

E
C
O
A

AMOUNT
PAST DUE

DATE OF
LAST
ACTIVITY

30+

60+

90+

 Home Financial

 01-1998

05-1990

M-1

400000

234000

3128

92

0

0

0

J

21299

12-1997

     24000098500012

 

 

 

 

 

 

 

 

 

 

 

 

 

     Pays As Agreed

 

 

 

 

 

 

 

 

 

 

 

 

 

.

 . . . . . . . . . . . . .

 Travel Charge Usa

09-1997

03-1995

 -1

3612

 

 

34

0

0

0

I

 

 

     4271008232

 

 

 

 

 

 

 

 

 

 

 

 

 

     Acnt Pd Satisfactorily

                          

.

 . . . . . . . . . . . . .

 Island Savings

10-1997

05-1996

R-1

5700

 

 

18

0

0

0

J

 

 

     40558854820

 

 

 

 

 

 

 

 

 

 

 

 

 

     Credit Line Closed  -

Consumers

'Request  

- Reporte 

d by Sub

scriber./---

pays 

As  Agr

eed

 

 

 

 

 

.

 . . . . . . . . . . . . .

 Bay Company

05-1996

01-1968

R-7

 

 

 

99

1

1

4

J

 

 

     52555254820

 

 

 

 

 

 

 

 

 

 

 

 

 

    Account Previously 

In Dispute -

Now  Res

olved- Re

ported By

Subscribe

r./--- ac

nt 180 D

ays 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 
 

     

 

 TYPE OF ACCOUNT

 
 

CS - Current Status of Account

Code

 Description

0

 Too New to Rate; Approved But Not Used

1

 Paid as Agreed; Satisfactory, Current

2

 Pays 31-60 Days; Not More Than 2 Payments Past Due

3

 Pays 61-90 Days; Not More Than 3 Payments Past Due

4

 Pays 91-120 Days; Not More than 5 Payments Past Due

5

 Pays over 120 Days; Not More Than 5 Payments or More Past Due

7

 Making Reg Payments or Paid Under Wage Earner Plan or Similar Agreement

8

 Repossession

9

 Charged Off To Bad Debt


 
 

 R=Revolving
 O=Open Account (30, 60 or 90  
 Days)
 I=Installment Account
 M=Mortgage

 Examples:

  M-1 = Mortgage, Paid as Agreed
 I-9 = Installment, Charged Off

 
 

.

ACCOUNTS PLACED FOR COLLECTION

 Creditor

Open Date

Status

DLA

Orig. Amt

MOP

ECOA

VI

IS

SRC

 Account Number

Report Date

Bal. Date

Closed

Balance

Original

Creditor

 

 

 

 Status

Remarks

 

 

 

 

 

 

 

 

 Credit And Collection

09-94

09-94

 

500

9

2

N

A

Exp

 98e543182136

04-05-96

04-05-96

 

250

Medical Bills

 Collection Amount

Customer Disputed Account/reported By Subscriber
.

.

Public Records Reported By Bureau(s)

 Public Records reported by Experian

 Date Srce/Typ/Crt Plaintiff/Attorney Case No. Liability Assets Status/Note

  Filed
 Action

  Activity
  Plaintiff

 

Court
Docket/Bookpage

 

Assets
Liability

 

 

  

----- Subject 1 -----

 

 

 

 

County lien released

 

 

 

 

 

 

 

 

SO CALIF DISTRICT COURT

 

12,450

 

 B476P2109

 

 

A71245078321

 

 

 

.
 

Judgment

 

COUNTY SPR CT SANTA ANA

 

1,200

 

 

ALLIED COMPANY

 

A7117505853

 

 

 

 B1234P50987

 

 

 

 

 

 

.

 Bankruptcy Chapter 13

 

US BANKRUPTCY COURT

 

100,000

 

 

 

 

A72135054539906234561

 

 

 
 
.

SCORE(s) and RISK MODEL FROM BUREAUS

 Score Type:  Fair Isaac Model II

EXP Score: 700+

This is the FICO Score

 

 22

Account (s) Not Paid As Agreed And/or Legal Item Filed

 

 

 

 13

Length Of Time (or Unknown Time) Since Account Delinquent

 

 

 

 18

Number Of Accounts Delinquent

 

 

 

 34

Amount Owed On Delinquent Accounts

 

 

 

.

 Score Type: National Risk Score

EXP Score: 502+

The Experian RISK Score

 

 19

Average Age Of Accounts

 

 

 

 35

Delinquency On Bank Installment Loans

 

 

 

 01

Too Few Accounts Now Current

 

 

 

 08

Presence of Non-satisfactory Ratings On Accounts Or Lack Of Open Accounts

 

 

 

The model shown is for a credit report ran on Experian only.  Adding Equifax will add more information here
.

.

PRIOR INQUIRIES

 Creditor

Inquiry Type

Date

ECOA

SRC

 Inquiries during the last 720 days.

 

 

EXP

 Bank of America

Unknown/Credit Ext.

01-22-1996

 

 

 GMAC

Auto

12-22-1995

 

EXP

 Citibank

Credit Authorization

10-15-1995

 

EXP

 

 

 

 

 

BUREAU CONTACT INFORMATION
.

 Experian Information
 P.O. Box 2002
 Allen, TX 75013
 Phone:  1-888-397-3742       www.experian.com/reportaccess

 This report is confidential and is not to be disclosed except for persons who have legitimate purposes as defined in the Fair Credit Reporting Act and other applicable
 Federal and State regulations. Neither CIC, nor its sources or distributors warrant such information nor shall they be liable for your use or reliance upon it.

* ALL reports shown with optional CrosXscore component shown.

End of Report