Credit Profile Report carbajal,jose Sr ;CA-1921 ivanhoe ave/oxnard CA 93030;Y ;VERIFY;VERIFY-Y2/RM/J2;
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1 Profile Report carbajal,jose Sr ;CA-1921 ivanhoe ave/oxnard CA 93030;Y ;VERIFY;VERIFY-Y2/RM/J2; Applicant 12/30/ :26:03 PM CT Personal Information Best Name JOSE R CARBAJAL Other Name(s) *JOSE REFUGIO Best Social Security number Other Social Security number(s) of Birth /01/1966 Best Address 1921 IVANHOE AVE OXNARD, CA Single-family dwelling Reported 5 time(s) from 09/23/2004 to 04/15/2015 Last subscriber by Update Best Employer 4 WAY MEAT MARKET INC Reported 06/2010 to 12/2015 by Inquiry Messages Informational Messages Type Message Fraud Shield Summary Other Address(es) *264 VANDERBILT DR OXNARD, CA Single-family dwelling Reported 1 time(s) from 02/07/2008 by Update Other Employer SELF EMPLOYED Reported 07/2002 by Inquiry *1101 E VENTURA BLVD SPC 144 OXNARD, CA Q Q0NUMBER OF INQUIRIES WAS ALSO A FACTOR, BUT EFFECT WAS NOT SIGNIFICANT Multi-family dwelling Reported 1 time(s) from 05/04/2007 by Update Indicator(s): Inquiry Address: On-file Address: Input SSN issued: From 09/01/2015 Inquiry Count for SSN=2 From 09/01/2015 Inquiry Count for Address=3 Score Summary Risk Model Score Code Score Factor Description VantageScore (Score range: ) Public Records Liens VENTURA COUNTY REC/ RT TS BP PC revolving account balance/credit amount ratio is too high Time since oldest account opened is too recent Available credit on open bankcard accounts is too low Too many unsatisfied public record judgments/tax liens Type / : Federal tax lien released Responsibility: Joint Filing : 12/26/2013 : $228,476 Certificate ID: : 03/31/2015 Plaintiff: Book Page: SQ Comments: VENTURA COUNTY REC/ Type / : State tax lien Responsibility: Joint Filing : 01/28/2011 : $15,268 Certificate ID: : 01/28/2011 Plaintiff: Book Page: SQ Comments: ors Mortgage s BK OF AMER / / BM - Bank - Mortgage Department 01/07/2008 $190,000 11/ /26/ /30/2012 Paid/zero balance #: : Responsibility: Joint Type: Conventional Real Estate Loan, Including Purchase Money First Terms: 30 Year 2012 C C C C C C C C C C B 2011 C C C C C C C C C C C C 2010 C C ( 7 years) Worst : Worst Delinq : Months Reviewed: 59 Page 1 of 5
2 MUFG UNION BANK N.A. / / BB - All Banks -- Non-Specific 08/27/2002 $29,697 01/ /04/ /31/2010 Paid/zero balance #: : Responsibility: Individual Type: Manufactured Home Terms: 180 Month 2010 B 2009 C C C C C C C C C C C C 2008 C C C C C C C C C C C C ( 7 years) Worst : Worst Delinq : Months Reviewed: 90 BK OF AMER / / BM - Bank - Mortgage Department 11/19/2002 $176,000 12/ /15/2015 $1,450 12/10/2015 $25,768 #: : Responsibility: Joint Type: Conventional Real Estate Loan, Including Purchase Money First Terms: 15 Year 2015 C C C C C C C C C C C C 2014 C C C C C C C C C C C C 2013 C ( 7 years) Worst : Worst Delinq : Months Reviewed: 99 Installment s ALLY FINANCIAL / / FA - Automobile Financing Company 06/30/2010 $27,729 12/ /03/ /03/2012 Paid/zero balance #: : Responsibility: Individual Type: AUT Auto Loan Terms: 72 Month 2012 C C C C C C C C C C C B 2011 C C C C C C C C C C C C 2010 C ( 7 years) Worst : Worst Delinq : Months Reviewed: 30 WFDS / / FA - Automobile Financing Company 09/07/2007 $20,569 10/ /12/ /31/2010 Paid/zero balance #: : Responsibility: Joint Type: AUT Auto Loan Terms: 72 Month 2010 C C C C C C C C C B 2009 C C C C C C C C C C C C 2008 C C C ( 7 years) Worst : Worst Delinq : Months Reviewed: 38 ALLY FINANCIAL / / FA - Automobile Financing Company 12/30/2014 $34,089 11/ /28/2015 $548 11/30/2015 $29,498 Page 2 of 5
3 #: : Responsibility: Individual Type: AUT Auto Loan Terms: 72 Month 2015 C C C C C C C C C C C 2014 C ( 7 years) Worst : Worst Delinq : Months Reviewed: 12 Revolving s *WF CRD SVC / / BC - Bank Cards 06/29/2012 $4,000 01/ /26/2014 Paid/zero balance #: : Responsibility: Individual Type: Card, Terms REV Terms: Revolving 2014 B closed at credit grantor's request *CBNA / / ZR - Retail, Not Elsewhere Classified ( 7 years) Worst : Worst Delinq : Months Reviewed: 19 09/16/2010 $2,000 $1,746 01/ /08/ /06/2014 Paid/zero balance #: : Responsibility: Individual Type: Revolving Charge Terms: Revolving 2014 B closed at credit grantor's request SYNCB/BROOK BROS / / CG - General Clothing Store ( 7 years) Worst : Worst Delinq : Months Reviewed: 40 11/09/2008 $0 $361 12/ /05/ /22/2011 Paid/zero balance #: : Responsibility: Individual Type: Revolving Charge Terms: Revolving B ( 7 years) Worst : Worst Delinq : Months Reviewed: 38 SYNCB/SAMS CLUB / / DV - Variety Stores 03/15/2002 $0 12/ /08/2008 Page 3 of 5
4 Paid/zero balance #: : Responsibility: Individual Type: Revolving Charge Terms: Revolving B ( 7 years) Worst : Worst Delinq : Months Reviewed: 25 CHASE / / BB - All Banks -- Non-Specific 12/13/2005 $109,354 08/ /01/ /27/2007 Paid/zero balance #: : Responsibility: Joint Type: Home Equity Line Of - Revolving Terms Terms: Revolving 2007 C C C C C C C B 2006 C C - C C C ( 7 years) Worst : Worst Delinq : Months Reviewed: 14 CBNA / / ZR - Retail, Not Elsewhere Classified 09/29/2014 $10,000 $14,949 12/ /20/2015 $300 12/09/2015 $10,048 #: : Responsibility: Individual Type: Revolving Charge Terms: Revolving 2015 C C C C C C C C C C C C C C ( 7 years) Worst : Worst Delinq : Months Reviewed: 15 SYNCB/CARE CREDIT / / BB - All Banks -- Non-Specific 01/27/2015 $4,000 $2,125 12/ /24/2015 $32 12/04/2015 $0 #: : Responsibility: Individual Type: Revolving Charge Terms: Revolving 2015 C C C C C C C 2014 ( 7 years) Worst : Worst Delinq : Months Reviewed: 11 *BK OF AMER / / BB - All Banks -- Non-Specific 06/28/2007 $104,900 $181,435 11/ /02/2015 $241 11/30/2015 $91,144 #: : Responsibility: Joint Type: Home Equity Line Of - Revolving Terms Terms: Revolving 2015 C C C C C C C C C C C 2014 C C C C C C C C C C C C 2013 C C line suspended due to collateral depreciation ( 7 years) Worst : Worst Delinq : Months Reviewed: 99 Page 4 of 5
5 Inquiries Subscriber Type Terms 12/26/2015 AMPS/TEAM NISSAN/ /Automobile Dealers, New UNK Auto Loan 12/26/2015 NISSAN MOTOR ACCEPTANC/ /Automobile Financing Company UNK Auto Loan 07/31/2015 RABOBANK NA/ /All Banks -- Non-Specific UNK Business Loan Personally 06/22/2015 FDCS/CSI/ / Card Processors UNK Business Loan Personally 03/30/2015 CORELOGIC CREDCO LLC/ /Mortgage Companies UNK Real Estate Specific Type Unknown 12/30/ CREDIT/ALEXANDER B/ /Automobile Dealers, Used UNK Auto Loan 12/30/2014 ALLY FINANCIAL/ /Automobile Financing Company UNK Auto Loan 09/22/2014 EXPERIAN BUSINESS CRED/ / Bureaus UNK Business Loan Personally 04/25/2014 BOFA/LNDSF/ /Mortgage Companies UNK Real Estate Specific Type Unknown END -- Experian Profile Report Consumer Assistance EXPERIAN 701 EXPERIAN PARKWAY PO BOX 2002 ALLEN, TX (888) Page 5 of 5
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