CREDIT REPORTING
The Three CRA'S;
EXPERIAN, CONSUMER ASSISTANCE, P.O. Box 2002, Allen, TX 75013-0036 Telephone (888)397-3742;
EQUIFAX, CONSUMER ASSISTANCE, P.O. Box 740241, Atlanta, GA 30374-0241 Telephone (800)685-1111;and
TRANS UNION CORP, CUSTOMER RELATIONS, 2 Baldwin Pl., P.O. Box 1000, Chester, PA 19022 Telephone (800) 888-4213.
THE HEADING
1. The Heading is at the very top. It contains the inputting information. Time, Date, and the Bureaus' Client Reference Number. The inputting information includes the name, social security number, and address of the applicant followed by the name of the requesting party.
May 13, 2000 00:06:54 AM Inquiry 21 Reference 18792
JEFFREY DARRELL CONSUMER 675-54-4435
CA-1792 E WASHINGTON BLVD/PASADENA CA 91104
RM 1
U-George Patton/O
T-29
V-07/045/WIN14
Check the name and social security number of the person. Does it match with the rental application the applicant submitted?
IDENTIFICATION
2. The next section of the report is the applicants' identifying information. This includes the Consumer's name and address, number of subscribers including the address via the update tape.
The Account number for the last subscriber including the consumer at their current address. The Consumer's previous address with source.
The Consumer's year of birth. The Consumers Employer's name and address including time frame and source. The Consumers' Previous employer's name and address with time frame and source.
JEFFREY DARRELL CONSUMER
1792 E WASHINGTON BLVD
PASADENA, CA. 91104
|
SS********
|
E: THE TIME
COMPANY
121 PARK PLACE
LOS ANGELES CA
90091
|
RPTD: 6-99 TO 4-00 U 5X
LAST SUB: 2397645
|
DOB: 1951
|
RPTD:5-98 |
|
|
|
5250 LA CANADA BLVD LA CANADA, CA. 91011
RPTD: 7-95 TO 5-99 U 1X
|
|
MICROSOFT
111 MAIN STREET
SEATTLE, WA 89121 |
|
|
RPTD: 10-89 TO 2-98 |
|
PUBLIC RECORDS
5. If there are any civil actions with dollar amounts awarded, they will appear below the score summary in a field named Public Records. Public Record information consists of bankruptcies, liens and civil actions against a consumer.
*CHINO DISTRICT COURT
C#: 45078321
|
11-20-92 12-01-93
1 BP: B476P210
|
3011111
PLAINTIFF BILL CLINTON |
$12,450
|
CIV CL JUD
|
*U S BANKRUPTCY COURT SAN BERN D# 9907648
|
6-10-91
|
3009999 |
$100,000-L
|
BK 13-PETIT
VOLUN
|
TRADES
6. Under the trade portion, grantors include the amounts of loans and bank cards with payment histories.
The most common of the codes used to describe an accounts condition are as follows:
|
CURR ACCT
|
ACCOUNT IS CURRENT IN PAYMENTS AND IN GOOD STANDING
|
CUR WAS
30-2
|
ACCOUNT IS CURRENT WAS THIRTY DAYS LATE TWICE
|
PAID
|
ACCOUNT HAS BEEN PAID OFF TO A ZERO BALANCE AND IS INACTIVE |
CHARGOFF
|
UNPAID BALANCE HAS BEEN INCLUDED AS LOSS BY CREDIT GRANTOR AND ARE NO LONGER SEEKING REIMBURSEMENT |
COLLECT
|
ACOUNT IS SERIOUSLY PAST DUE AND ASSIGNED TO COLLECTIONS |
FORECLOS
|
PROPERTY WAS FORECLOSED |
BKLIQREQ |
DEBT FORGIVEN THROUGH CHAPTER 7, 11, OR 13 |
DELINQ 60 |
ACCOUNT IS SIXTY DAYS PAST DUE |
INACTIVE |
ACCOUNT IS INACTIVE |
CLOSED |
ACCOUNT IS CLOSED |
|
7. On the far right hand side is the consumer payment history for the past 25 months. These codes stand for:
|
C
|
Current |
| N |
Current account/zero balance-no update tape received |
| 0 |
Current account/zero balance-reported on update tape |
| 1 |
30 days past the due date |
| 2 |
60 days past the due date |
| 3 |
90 days past the due date |
| 4 |
120 days past the due date |
| 5 |
150 days past the due date |
| 6 |
180 days past the due date |
| 7 |
Bankruptcy Chapter 13 (Petitioned, Discharged, Reaffirmation of Debt Rescinded) |
| 8 |
Derogatory, e.g. foreclosure proceeding, deed in lieu |
| 9 |
Bankruptcy Chapter 7, 11, or 12 (Petitioned, Discharged, Reaffirmation of Debt Rescinded) |
| G |
Collection |
| H |
Foreclosure |
| J |
Voluntary Surrender |
|
K
|
Repossession |
| L |
Charge Off |
| B |
Account Condition changed, payment code not applicable |
| - |
No payment history that month |
INQUIRIES
People and Corportations that have checked on the applicant
|
