TransUnion Credit Report
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1 TransUnion Credit Report zangelo Andrews File #: /9/2010 5:46:51 PM Reported: 11/7/2010 SSN: XXXXX1250 Date of Birth: 7/15/1975 Address: 139 Treetop City/State/Zip: Fantasy Island, IL Page 1 of 10 Report Summary Tradeline Overview Account Status Credit line Information Total: Current: Unrated: Current Neg: Historical Neg: Accts Paid: Current Past Due: Total Past Due: Day 30: Day 60: 0 2 $ Credit Limit: High Credit: Real Est. Balance: Rev. Balance Balance: $89,400 $227,623 $76,356 $794 $38,082 Oldest Trade: 5/22/1998 Day 90: 1 Available Percentage: 72% Account Balance: $140,697 Inquires: 19 Monthly Payment: $2,387 Past 6 mo.: 4 Collections: 1 Public Records: 0 Score Scoring Model: FICO Risk Score, Classic 08 Score: 614 Reasons affecting score: (038) Serious delinquency, and public record or collection filed (013) Time since delinquency is too recent or unknown (012) Length of time revolving accounts have been established (010) Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Inquiries impacted the credit score For customer support regarding credit reports, please contact our data partner StarPoint Screening at CREDIT INFORMATION PROVIDED BY: TRANS UNION 555 WEST ADAMS CHICAGO, IL
2 Page 2 of 10 Scoring Model: FICO CLASSIC 08 ALERT: Score: 614 Reasons affecting score: SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED; PROPORTION OF BALANCES TO C Personal Information DOB: ZANGELO XX ANDREWS On File Since: 7/25/2010 Phone: SSN: XXXXX1250 Name Primary name Address: Address: FANTASY ISLAND IL Reported On: 7/15/ TREETOP Street FANTASY ISLAND IL Reported On: 7/10/ EVEN Lane Address: FANTASY ISLAND IL DUMBARTON Drive Reported On: DOB: EVANS,ZELAINE,XX On File Since: 7/25/2010 Phone: SSN: Name Alias name DOB: DECKER,ZDAN,XX On File Since: 7/25/2010 Phone: SSN: Name Alias name DOB: CHASTAIN,ZCOLE,XX On File Since: 7/25/2010 Phone: SSN: Name Alias name Employment Information Company TEST A Occupation: A TESTER Salary: In File Company Address: Date Hired: Separation 11/1/2005 For customer support regarding credit reports, please contact our data partner StarPoint Screening at CREDIT INFORMATION PROVIDED BY: TRANS UNION 555 WEST ADAMS CHICAGO, IL
3 Company Occupation: Salary: In File AJILON IT Company Address: Date Hired: Separation 1/1/2005 Page 3 of 10 Collections Creditor: Member Number: Balance: Account: CREDITOR AMERITECH MICH /I C SYSTEM $ Industry: Report Balance Status: Date Assigned: Date Closed: Record Code: CL01 Closed Code: Collection services 2/28/2007 (9B)Collection account Tradelines Creditor Account Number Date Rptd Date Opened Date Last Activity Open Accounts High Credit Balance Payment Term Credit Limit Histotical Status Payment Amount Account Type Status Closed Date Amount Past Due MOBIL OIL/O 0347R003 Open GEMB/M WARD/D S CBUSASEARS/D NATIONSCREDT/Q WASHMUTFIN/F 0643Y101 7/24/2003 8/6/ /3/2008 5/25/ /2/2009 $794 $794 $794 (09)Charged off as bad debt $385 $ $40 (02)30 days past due $536 $443 $3, $14 $3,610 $2, Months $150 $660 $ For customer support regarding credit reports, please contact our data partner StarPoint Screening at CREDIT INFORMATION PROVIDED BY: TRANS UNION 555 WEST ADAMS CHICAGO, IL
4 WASHMUTFIN/F 0643Y101 NATIONSCREDT/Q WFNNB/VCTRIA/C 016US001 0XXXXXXXXX1111 AT&TWIRELESS/U 01GEM007 Overdraft/reserve checking CHEVY CHASE/B CITI/B 0282E001 CHASE AUTO/B 0402D038 FST USA BNK/B FLEET CC/B 0517R013 FIRST CARD/B /1/ /7/2008 1/31/ /8/ /31/2006 2/2/2007 5/24/2008 5/23/ /7/2009 7/27/2006 $504 $0 12 Months $42 $ Months $77 $0 $0 $ $0 $14,000 $0 $14, $12,000 $4,928 MIN $12, $109 $18,293 $12, Months $390 $6,000 $2,440 MIN $6, $38 $1,500 $0 $1, $5,500 $4,953 $6, $10 Page 4 of 10 For customer support regarding credit reports, please contact our data partner StarPoint Screening at CREDIT INFORMATION PROVIDED BY: TRANS UNION 555 WEST ADAMS CHICAGO, IL
5 FST USA BK B/B WACHOV/FTU/B 0362N400 AT&TWIRELESS/U 01GEM007 Open CITI/B 064DB003 GEMB/PAYLESS/Q N JC PENNEY/D CHEVRON/O 0103T001 CBUSASEARS/D FST USA BK B/B TARGET N.B./D /1/2007 7/26/ /6/2006 3/3/1999 3/2/2009 5/1/2010 5/22/1998 2/29/2008 7/25/ /9/2008 $11,000 $69 MIN $11,000 $63 $8,011 $4,293 MIN $8, $158 $0 $ $0 $0 $1, $0 $0 $1,500 $351 $0 $0 $0 $0 $0 $700 $1,000 $28 $1, $200 $0 $ Page 5 of 10 For customer support regarding credit reports, please contact our data partner StarPoint Screening at CREDIT INFORMATION PROVIDED BY: TRANS UNION 555 WEST ADAMS CHICAGO, IL
6 FRD MOTOR CR/Q EDUSERVE/V 0921D003 EDUSERVE/V 0921D003 WSFS WACHGSL/B 074BR002 WSFS WACHGSL/B 073BR001 WSFS WACHGSL/B 074BR002 DISCOVER FIN/B FILENES/D FASHION BUG/D CHASE MHT BK/B 0382D160 12/6/ /5/2009 9/20/2005 9/19/ /4/ /31/2004 1/27/2008 1/26/2009 8/5/2007 5/20/2009 $13,487 $7, Months $280 $2,610 $ $140 $2,750 $0 $148 $2,750 $ $3,057 $0 80 Months $50 $2,610 $ $0 $ $49 $0 $160 $160 MIN $10 $0 $3, Page 6 of 10 For customer support regarding credit reports, please contact our data partner StarPoint Screening at CREDIT INFORMATION PROVIDED BY: TRANS UNION 555 WEST ADAMS CHICAGO, IL
7 CHASE NA/B 0402D017 CRESCENT CU/Q 0222T009 Mortgage FLEET BANK/B FST FEDL SVG/B 0568T001 Overdraft/reserve checking CBUSASEARS/D GEMB/FILENES/Q V PHAR/CBSD/C 033ZU001 BK OF AMER/B 0363Q0EQ BK OF AMER/B 0363Q0EQ HEILGMYRS/H 0616P002 4/2/ /2/2009 3/1/2008 9/17/ /1/2008 5/19/2008 3/31/ /27/2008 6/13/2009 9/16/2009 $0 $2, $76,800 $76, $600 Months $3,000 $2,236 MIN $3, $42 $1,000 $0 $76 $0 $1, $0 $0 $500 $31 $32 $ $2,518 $2,455 MIN $4, $61 $102 $0 $1, $0 $0 $1,600 Page 7 of 10 For customer support regarding credit reports, please contact our data partner StarPoint Screening at CREDIT INFORMATION PROVIDED BY: TRANS UNION 555 WEST ADAMS CHICAGO, IL
8 DILLARD/D CHASE AUTO/B RNBMERVYN/D PNC NATL BK/B 016BS020 AVCO FINANCE/F 0321E051 JCPMCCBG/D AVCO FINANCE/F 0321E051 NELNET/E /23/ /30/2009 4/1/2007 7/22/2009 5/1/2010 2/28/2007 5/18/2008 9/18/2005 $270 $0 $1, $10,000 $9, Months $251 $53 $0 $ $3,000 $3,043 $3, $61 $1,296 $0 12 Months $108 $102 $ $489 $0 6 Months $81 Page 8 of $2,750 $3,398 $50 Months AMPLIFY FCU/Q 0964E002 1XX1717 5/21/2005 $4,958 $0 36 Months $158 NELNET/E /3/2003 $447 $ Months $50 For customer support regarding credit reports, please contact our data partner StarPoint Screening at CREDIT INFORMATION PROVIDED BY: TRANS UNION 555 WEST ADAMS CHICAGO, IL
9 NELNET/E XX /31/2004 Page 9 of 10 $2,610 $3, Months $50 AMEX/N 0656N001 1/25/2008 $0 $ Open BANKAMERICA/B 0363Q0FK 1XX1212 5/1/2010 $5,375 $0 48 Months $153 Creditor Account Number Date Rptd Date Opened Date Last Activity Closed Accounts High Credit Balance Payment Term Credit Limit Histotical Status Payment Amount Account Type Status Closed Date Amount Past Due Inquires 9/25/2010 9/25/2010 9/25/2010 9/25/2010 9/8/2008 9/4/2008 9/2/2008 8/18/2008 7/27/2008 7/20/2008 For customer support regarding credit reports, please contact our data partner StarPoint Screening at CREDIT INFORMATION PROVIDED BY: TRANS UNION 555 WEST ADAMS CHICAGO, IL
10 6/3/2008 5/18/2008 4/17/2008 3/27/2008 3/20/2008 3/6/2008 3/6/2008 2/1/ /30/2007 Page 10 of 10 Public Records Details (4501) Input SSN is not issued by social security administration (5504) File; year issued: 20060; state: ME; (est. Age obtained: 0 to ) SSN Match Indicator: Difference of 1 digit between SSN on input and SSN on file Credit data not suppressed SSN ALERT: Mismatch input does not match file (I) Score Derogatory Alert Flag: Inquiries impacted the credit score Disclaimer: The information contained herein was obtained in good faith from sources deemed reliable, but the completeness or accuracy is not guaranteed. Per the signed Screening Agreement The User submitted to The LIG Group LLC, dba StarPoint Screening and/or Rentec Direct, LLC, The User recognizes that information is secured by and through fallible database and human sources. The User agrees to release the LIG Group LLC, dba StarPoint Screening, it's officers and employees and Rentec Direct, LLC, it's officers and employees, from liability for any errors and or omissions contained in reports and from any loss or expense suffered by The User directly or indirectly from The LIG Group LLC, dba StarPoint Screening and/or Rentec Direct, LLC. The User agrees by submitting the signed Screening Agreement that this constitutes all conditions of service and of reporting, present and future and applies to all reports provided by The LIG Group LLC, dba StarPoint Screening and/or Rentec Direct, LLC and is binding in all 50 states. For customer support regarding credit reports, please contact our data partner StarPoint Screening at CREDIT INFORMATION PROVIDED BY: TRANS UNION 555 WEST ADAMS CHICAGO, IL
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