CreditLink® CorporationA Revolution in the Way People Rent

CL Advantage Credit ReportSample

1. Account Information:

This area contains information about your account (account name and address, account number, reference number, date requested, property name, and name of person who requested the report).

2. Applicant Information

The first line contains the information you submitted about your applicant (name and social security number). The “received” portion shows the information received back from the credit bureau (name, SSN, date of birth [if available], previous addresses, and employment [if available]). Note: Addresses show the last date the person applied for credit while at that address.

3. Identity Integrity

This section of the report gives you details about any data returned that does not exactly match the information that was provided to you by your applicant. Generally, the results returned here are self explanatory.Examples:All Data ReturnedSSN differs by 1 digit

4. Summary of Accounts

This is a summary of the compiled nationwide credit bureau information. Some positive information will stay on the credit report indefinitely. Negative information is usually removed from credit reports after seven (7) years, except for bankruptcies, which will stay on the report for up to ten (10) years.

5. Risk Factor (AKA FICO Score)

This is a credit bureau projection of how likely it is that the creditor will have a delinquency within the next 24 months. This projection is based on a number of factors: payment history, amounts owed, length of credit history, new credit, and types of credit used. The Risk Factor/FICO scores range from 350 to 850. The higher the score, the better the applicant's credit, making them less of a possible credit risk.

Please see the FICO website (www.myfico.com) for additional details regarding the FICO scores.

If the Risk Factor/FICO score says “No Score; insufficient credit history” it means there are no trade lines with balances or the accounts are less than six months old.

6. Public Records: 7. Collection Records

This section includes public record information regarding financial matters such as; civil judgments, tax liens, and bankruptcies.

When data is available, this will include the date of the record and the plaintiff in the lawsuit.

This section shows any account that has been assigned for collections to a third party company.

Creditor: The name of the collection company, the original holder of the account, and the status of the accountsOpened: The date that the collection was openedClosed/Paidout: The date that the collection was closed and/or paid in fullOrig Bal/Current: The original balance of the account and the current amount due.

© 2015 CreditLink Corporation 6050 Santo Rd, Suite 135 San Diego, Ca 92124 858.496.1000 800.446.1421 fax 858.496.1015 creditlink.com

CreditLink® CorporationA Revolution in the Way People Rent

CL Advantage Credit ReportSample

8. Payment History

This section shows payment records for the past 24 months.The Payment Pattern column is read left (the most current payment) to right (the oldest payment).X: account is current, no payment required (like a revolving charge)1: account is current and payed as agreed2: 30-59 days past due3: 60-89 days past due4: 90-119 days past due5: 120 days or more past due

The Payment Status column can contain the following codes:Pays as agreed: The account is current and in good standing> 30 days: 30-59 days past due> 60 days: 60-89 days past due> 90 days: 90-119 days past due> 120 days: 120 days or more past dueBad Debt: A debt was charged off because it was deemed uncollectableNo Rating, Unrated, or Unclassified: Account is not rated, too new to rate, or is approved but not used.Collection: Account has been assigned to collectionsRepossess: Merchandise was voluntarily given back to the credit grantorPayment Plan: Account is being paid off in payments, often through a bankruptcy

9. Creditor Records

In the status column, you may see one of three things:1. A blank space indicates the account is still open 2. Clsd normally – the account was closed normally by the consumer or by the credit grantor3.Clsd adversely – the account was closed by the credit grantor due to some problem with the account

10. Consumer Statements

Notes put on the report by the credit bureau and/or the consumer.

Because the information transmitted from the credit bureau has a character limit, the notes may be split into a few sections, separated by new headings.

11. Inquiries

The agencies listed in this section have run a credit report on the consumer on the date indicated. The consumer may or may not have been approved by the agencies listed.

© 2015 CreditLink Corporation 6050 Santo Rd, Suite 135 San Diego, Ca 92124 858.496.1000 800.446.1421 fax 858.496.1015 creditlink.com