CIC Report Styles (CP)

 


Contemporary Information Corp.

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

 

Contemporary Info Corp

Bureaus:

Experian
 

Report Number:

804280

Date Requested:

10-15-2009

Rent Amt:

350

Reference:


INFORMATION REPORTED BY APPLICANT
 

Report On:

Consumer, Jonathan Q
 

Address:

10655 Birch, Burbank, Ca 91502
 

SSN#:

548-60-XXXX
 

DOB:

01-01-1951

INFORMATION REPORTED BY EXPERIAN

Applicant Name:

JONATHAN QUINCY CONSUMER

DOB:

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:

CrosXscore


DENIED




DENIED is based on the following derogatories:
% of Del + Coll too high
Calculated Income to Debt Ratio (Including Rent) is below requirments

The Following items were flagged as possible derogatories
Trade Lines 30 Days Past Due
% of Delinquincies too high
Payment Plan/ Wage Garnishment
CONDITIONAL IR Ratio - extra security deposit required
Western Eviction Hit
National Eviction Hit
The application should be carefully REVIEWED and VERIFIED before making final determination.

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/BURBANK 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 FROM EXPERIAN



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.

EVICTION SEARCH RESULTS

 


---- WESTERN REPOSITORY EVICTION SEARCH RESULTS ----



Defendant:      CONSUMER, JONATHAN                            SSN: N/A
10655 BIRCH , BURBANK, CA 91502

Filing Date:    12-22-1905         Case: CV032753           Court: 79
Judgment Amt:   .00         Notice Type: PQ
Plaintiff:      CARLSON APARTMENTS
Phone:          310-555-1212
Disposition:
Plaintiff Atty: TARLICK, HERB
Phone:





---- NATIONAL REPOSITORY EVICTION SEARCH RESULTS ----



Defendant:      DAVIS, TESTCASE A                             SSN: 002464347
RR 2  BOX 134, DUNDEE, NY 14837

Filing Date:    21-07-2005         Case: 92149              Court: OKLAHAOMA DISTRICT COURT
Judgment Amt:   $1,200.00   Notice Type: Small claims judgement
Plaintiff:      PROPERTY MGMT SERVICES INC

CHECK SCAN


Authorization Status:
RSP0002,APPROVAL RECOM

 

If status is an error call CIC to run again (800)288-4757 ext.1

24 Month History Chart

10/07

11/07

12/07

01/08

02/08

03/08

04/08

05/08

06/08

07/08

08/08

09/08

10/08

11/08

12/08

01/09

02/09

03/09

04/09

05/09

06/09

07/09

08/09

09/09

11

10

9

8

7

6

5

4

3

2

1

0

 

 

CREDIT SUMMARY AND ACCOUNT DETAILS

.

Total Number of Tradelines:

9

Number of late payments/Last 24 Mos:

0

Number of Positive Tradelines:

6

Total Estimated Monthly Debts:

5334

Number of Negative Tradelines:

3

Total Past Due:

1421

Number of Open Accounts:

6

Available Credit (%):

12.3%

.

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 $1000. The above information may be inadequate to determine ones credit worth.


No. of Collection Accts reported:

 1

Bal. of Outstanding Collection Accts:

 250


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

CREDIT HISTORY

Creditor                  Date    Date   Acct  High   Approx          MOS xPastDue     Amount
Account Number            Reptd  Opened Status Credit  Balance  Terms REV 30+60+90 E  PstDue  DLA
BAY COMPANY             |05-1996|01-1968|R-7 |       |       |       |99| 1  1  4|J|       |
EXP   CHARGE ACCOUNT/ACNT 180 DAYS PAST DUE/ACCOUNT PREVIOUSLY IN DISPUTE - NOW RESOLVED -
REPORTED BY SUBSCRIBER.

CENTRAL BANK            |06-1996|12-1993|I-2 |  22350|  11050|    465|31| 1  0  0|I|    465|05-1996
EXP   AUTO/ACNT 30 DAYS PAST DUE

EMPLOYEES CREDIT UNION  |01-1998|02-1985|R-1 |   7108|   6029|    180|99| 0  0  0|J|       |01-1998
EXP   CREDIT CARD/PAYS AS AGREED

HEMLOCKS                |06-1996|02-1995|I-1 |       |   1000|       |17| 0  0  0|A|       |
EXP   INSTALLMENT/PAYS AS AGREED

HOME FINANCIAL          |01-1998|05-1990|M-1 | 400000| 234000|   3128|92| 0  0  0|J|       |12-1997
EXP   REAL ESTATE (UNK)/PAYS AS AGREED

ISLAND SAVINGS          |10-1997|05-1996|R-1 |   5700|       |       |18| 0  0  0|J|       |
EXP   CREDIT CARD/PAYS AS AGREED/CREDIT LINE CLOSED - CONSUMER'S REQUEST - REPORTED BY
SUBSCRIBER.

MOUNTAIN BK             |12-1996|03-1993|I-2 |  43225|  19330|    956|39| 3  0  0|J|    956|11-1996
EXP   SECURED/ACNT 30 DAYS 3 TIMES

STATE BANK              |06-1996|01-1990|R-1 |   9612|   8628|    255|85| 0  0  0|I|       |05-1996
EXP   CREDIT CARD/PAYS AS AGREED

TRAVEL CHARGE USA       |12-1997|03-1995|- 1 |   3612|       |       |34| 0  0  0|I|       |
EXP   CREDIT CARD/ACNT PD SATISFACTORILY

.

 

      Account Type

 Status Codes & Description

 

 

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

Number of Collection Accounts: 1


 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  DR. JOHN KILDAREF2
COLLECTION ACCOUNT       CUSTOMER DISPUTED ACCOUNT/REPORTED BY SUBSCRIBER

PUBLIC RECORDS REPORTED by BUREAUS

Number of Public Records: 3


Filed       Activity                                  Court                                     Assets
Action      Plaintiff                                 Docket/Bookpage                           Liability
--- Subject 1 ---
County li8en released                     SO CALIF DISTRICT COURT                   12,450
A71245078321
B476P2109

Judgement                                 COUNTY SPR CT SANTA ANA                   1,200
ALLIED COMPANY                            A7117505853
B1234P50987

Bankruptcy Chapter 13                     U S BANKRUPTCY COURT                      100,000
A72135054539906234561

SCORE and RISK MODEL from BUREAUS

Experian Nat'l Risk Score (0-1000) & Equifax Delinquency Alert System (0-1200) are lower score better risk; Fair Isaac/FICO & Equifax Beacon 300-800s) are higher score better risk.


Score Type: Fair Isaac Model II                  EXP Score: 700+
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+
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

PRIOR INQUIRIES


Creditor                  Inquiry Type               Date        ECOA  SRC

Number of Inquires in the last 720 days: 0

SOURCE INFORMATION

 Account #          Creditor              Phone          Address
BOSTONS/CARSONS      2390446     800 6280679  140 W INDUSTRIAL DR, ELMHURST, IL 60126

BUREAU CONTACT INFORMATION



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

END OF REPORT

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.