COLLECTION ACCOUNTS: Count 0 0 0 Balance $0.00 $0.00 $0.00 Current 0 0 0 Delinquent 0 0 0 Other 0 0 0 TOTAL ACCOUNTS: Count 5 5 5 Balance $0.00 $0.00 $0.00 Current 5 5 5 Delinquent 0 0 0 Other 0 0 0 ACCOUNTS SUMMARY: Open s: 0 0 0 C losed s: 5 5 5 Public Records: 0 0 0 Inquiries: 2 0 5 Public Records The information in this section comes from federal district bankruptcy records, state and county court records, tax liens and monetary judgments, and in some states, overdue child support records. Public records remain on your credit report for 7-10 years. There are 0 public record items on your report. Credit Inquiries This section contains the names of those who obtained a copy of your credit report. Inquiries remain on your report up to two years. UNIVERSAL CREDIT SERVI Auto Reseller 11/5/2013 UCS CR SVC Finance other than personal 11/5/2013 FIRSTSOURCE C ollection services 9/20/2012 VITAL REC SR C ollection services 5/14/2012 SAFERENT Miscellaneous and public record 1/18/2012 ROLLS AU SA Automotive 12/17/2011 History This section contains specific information on each account you've opened in the past. Positive information about your accounts remains on your report indefinitely. BMW FIN SVC BMW FINANCIAL SERVICES BMW FINANCIAL SERVIC BMW FIN SVC 100068XXXX 100068XXXX 100068XXXX Acct Type: Auto Loan Installment Installment account Acct Closed Closed Closed https://www.creditchecktotal.com/member/reportview.aspx?nav=false§ion=print&oid=341178457&siteversionid=752&siteid=100244&status=a&sc=66826 2/9
: $1,097.00 $1,097.00 Date Open: 6/1/2008 6/1/2008 6/26/2008 $0.00 $0.00 Terms: 62 Months 62 Months $56,867.00 $56,867.00 24-Month History Paid satisfactorily Pays account as agreed Paid or paying as agreed BALANC E AUTO Closed Date: Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov 07 08 08 08 08 08 08 08 08 08 08 08 08 09 09 09 09 09 09 09 09 09 09 09 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK ND OK CHASE 52897006XXXX 52897006XXXX Acct Type: Auto Loan Installment Acct Closed Closed : $740.00 Date Open: 5/1/2007 5/1/2007 $0.00 Terms: 72 Months $33,274.00 Past Due: Paid satisfactorily Pays account as agreed BALANC E AUTO 24-Month History Date: Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08 08 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK CHASE 52897003XXXX 52897003XXXX Acct Type: Auto Loan Installment Acct Closed Closed : $451.00 Date Open: 6/1/2006 6/1/2006 $0.00 Terms: 66 Months https://www.creditchecktotal.com/member/reportview.aspx?nav=false§ion=print&oid=341178457&siteversionid=752&siteid=100244&status=a&sc=66826 3/9
Past Due: Paid satisfactorily 24-Month History $17,599.00 Pays account as agreed BALANC E AUTO Date: May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr 05 05 05 05 05 05 05 05 06 06 06 06 06 06 06 06 06 06 06 06 07 07 07 07 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK CHASE 52897002XXXX 52897002XXXX Acct Type: Auto Loan Installment Acct Closed Closed : $271.00 Date Open: 11/1/2005 11/1/2005 $0.00 Terms: Unknown $8,705.00 Past Due: Paid satisfactorily Pays account as agreed BALANCE 24-Month History Date: Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug 04 04 04 04 05 05 05 05 05 05 05 05 05 05 05 05 06 06 06 06 06 06 06 06 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 52897006XXXX Acct Type: Installment account Acct Closed : $740.00 Date Open: 5/8/2007 $0.00 Terms: 72 Months $33,274.00 Paid or paying as agreed https://www.creditchecktotal.com/member/reportview.aspx?nav=false§ion=print&oid=341178457&siteversionid=752&siteid=100244&status=a&sc=66826 4/9
Closed 24-Month History Date: Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08 08 OK OK OK OK OK OK OK OK OK OK OK OK OK OK 52897003XXXX Acct Type: Installment account Acct Closed : $451.00 Date Open: 6/8/2006 $0.00 Terms: 66 Months $17,599.00 Paid or paying as agreed Closed 24-Month History Date: May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr 05 05 05 05 05 05 05 05 06 06 06 06 06 06 06 06 06 06 06 06 07 07 07 07 OK OK OK OK OK OK OK OK OK OK OK 52897002XXXX Acct Type: Installment account Acct Closed : $271.00 Date Open: 11/29/2005 $0.00 Terms: 48 Months $8,705.00 Paid or paying as agreed Closed 24-Month History Date: Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug 04 04 04 04 05 05 05 05 05 05 05 05 05 05 05 05 06 06 06 06 06 06 06 06 OK OK OK OK OK OK OK OK OK OK https://www.creditchecktotal.com/member/reportview.aspx?nav=false§ion=print&oid=341178457&siteversionid=752&siteid=100244&status=a&sc=66826 5/9
USDOE/GLELSI US DEPT OF ED/GLELSI US DEPT. OF EDUCATIO USDOE/GLELSI 78779XXXX 78779XXXX 78779XXXX Acct Type: Education Loan Installment Installment account Acct Closed Closed Closed : Date Open: 10/1/2010 10/1/2010 10/13/2010 $0.00 $0.00 Terms: Unknown $0.00 24-Month History Paid satisfactorily Pays account as agreed Paid or paying as agreed BALANC E STUDENT LOAN Closed Date: Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct 08 08 09 09 09 09 09 09 09 09 09 09 09 09 10 10 10 10 10 10 10 10 10 10 OK Legend OK Current 90 90 Days Late ND No Data Provided* 120 120 Days Late 30 30 Days Late KD Key Derogatory** 60 60 Days Late RF Repossession or Foreclosure PP Plan *Som etim es the credit bureaus do not have inform ation from a particular m onth on file. ** For additional inform ation on Key Derogatory, please see your Credit Report Guide. PLUS Score SM Report A PLUS Score is a numerical representation of your credit worthiness. The majority of lenders use some sort of credit scoring model to help predict what kind of credit risk you may be. For each bureau's score and personalized analysis, click on the colored tabs below. PLUS Score from Experian This PLUS Score is based on information from your Experian credit report. Calculated on the PLUS Score m odel, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders. Learn m ore. Since inform ation often differs am ong your three bureau reports, your PLUS Scores based on those reports will also vary. Your PLUS Score is: 723 on a scale of 330-830. Your Credit Category is: Very Poor Poor Fair Good Excellent Percentile: Your credit rating ranks higher than 49.61% of U.S. consumers. PLUS Score Analysis https://www.creditchecktotal.com/member/reportview.aspx?nav=false§ion=print&oid=341178457&siteversionid=752&siteid=100244&status=a&sc=66826 6/9
What your PLUS Score means: Overall, your credit factors indicate that you have a good credit standing, and you will more than likely get good offers from lenders. What this means to you: Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. While lenders may use different scoring models to determine how you score, and each major credit bureau has its own method for calculating credit scores, the scoring models have been fairly well standardized so that a score at one bureau is roughly equivalent to the same score at another. What factors raise your PLUS Score: You have done a great job at making all of your payments on time. The purpose of a credit score is to help lenders predict whether or not you will miss payments in the future, so keeping your record clean is a very positive factor. You do not have any Public Records (i.e. bankruptcies, tax liens, and court judgments) on your credit report. Lenders see these issues as major barriers to extending additional credit. What factors lower your PLUS Score: Most lenders report information to the credit bureaus on a monthly basis. The information on your credit report is considered out-of-date because there have been no updates to any of your accounts for the last six months. Without any open credit cards, it is difficult for lenders to predict whether or not you know how to use credit responsibly (i.e. paying your bills on time and keeping your balances low). Lenders recognize that obtaining and maintaining a mortgage requires more skill and discipline than other account types. People who have mortgages and pay them on time see an increase in their credit worthiness. Consumer Statement: Date: 12/6/2007 Statement: 06& 12-06-07 0000000 ID FRAUD VICTIM 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 APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 12-06-07. PLUS Score from Equifax This PLUS Score is based on information from your Equifax credit report. Calculated on the PLUS Score m odel, your Equifax Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders. Learn m ore. Since inform ation often differs am ong your three bureau reports, your PLUS Scores based on those reports will also vary. Your PLUS Score is: 735 on a scale of 330-830. Your Credit Category is: Very Poor Poor Fair Good Excellent Percentile: Your credit rating ranks higher than 55.80% of U.S. consumers. https://www.creditchecktotal.com/member/reportview.aspx?nav=false§ion=print&oid=341178457&siteversionid=752&siteid=100244&status=a&sc=66826 7/9
PLUS Score Analysis What your PLUS Score means: Factors in your credit file indicate you have excellent credit. Lenders will likely offer you the best rates and terms. What this means to you: Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. While lenders may use different scoring models to determine how you score, and each major credit bureau has its own method for calculating credit scores, the scoring models have been fairly well standardized so that a score at one bureau is roughly equivalent to the same score at another. What factors raise your PLUS Score: You have done a great job at making all of your payments on time. The purpose of a credit score is to help lenders predict whether or not you will miss payments in the future, so keeping your record clean is a very positive factor. You do not apply for a lot of new accounts. Having a lot of inquiries on your credit report worries lenders, because it is a sign that you may use credit and loans to supplement your income, and might be spending beyond your means. You do not have any Public Records (i.e. bankruptcies, tax liens, and court judgments) on your credit report. Lenders see these issues as major barriers to extending additional credit. What factors lower your PLUS Score: Most lenders report information to the credit bureaus on a monthly basis. The information on your credit report is considered out-of-date because there have been no updates to any of your accounts for the last six months. Without any open credit cards, it is difficult for lenders to predict whether or not you know how to use credit responsibly (i.e. paying your bills on time and keeping your balances low). Lenders recognize that obtaining and maintaining a mortgage requires more skill and discipline than other account types. People who have mortgages and pay them on time see an increase in their credit worthiness. PLUS Score from TransUnion This PLUS Score is based on information from your TransUnion credit report. Calculated on the PLUS Score m odel, your TransUnion Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders. Learn m ore. Since inform ation often differs am ong your three bureau reports, your PLUS Scores based on those reports will also vary. Your PLUS Score is: 714 on a scale of 330-830. Your Credit Category is: Very Poor Poor Fair Good Excellent Percentile: Your credit rating ranks higher than 46.10% of U.S. consumers. PLUS Score Analysis What your PLUS Score means: Overall, your credit factors indicate that you have a good credit standing, and you will more than likely get good offers from lenders. https://www.creditchecktotal.com/member/reportview.aspx?nav=false§ion=print&oid=341178457&siteversionid=752&siteid=100244&status=a&sc=66826 8/9
What this means to you: Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. While lenders may use different scoring models to determine how you score, and each major credit bureau has its own method for calculating credit scores, the scoring models have been fairly well standardized so that a score at one bureau is roughly equivalent to the same score at another. What factors raise your PLUS Score: You have done a great job at making all of your payments on time. The purpose of a credit score is to help lenders predict whether or not you will miss payments in the future, so keeping your record clean is a very positive factor. You do not have any Public Records (i.e. bankruptcies, tax liens, and court judgments) on your credit report. Lenders see these issues as major barriers to extending additional credit. What factors lower your PLUS Score: Most lenders report information to the credit bureaus on a monthly basis. The information on your credit report is considered out-of-date because there have been no updates to any of your accounts for the last six months. Without any open credit cards, it is difficult for lenders to predict whether or not you know how to use credit responsibly (i.e. paying your bills on time and keeping your balances low). Every time you apply for a loan, credit card, or retail card an inquiry is recorded on your credit report. Having a lot of inquiries on your credit report worries lenders, because it is a sign that you may use credit and loans to supplement your income, and might be spending beyond your means. Lenders recognize that obtaining and maintaining a mortgage requires more skill and discipline than other account types. People who have mortgages and pay them on time see an increase in their credit worthiness. https://www.creditchecktotal.com/member/reportview.aspx?nav=false§ion=print&oid=341178457&siteversionid=752&siteid=100244&status=a&sc=66826 9/9