CR Report (for training purposes only)

CIC Report Styles (CR)

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

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.

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

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:

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.