experian credit report and vantagescore
TRANSCRIPT
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
1/17
Experian Credit Report and VantageScore®
12/05/2011 – 02:49:00 PM
Personal InformationBest Name Other Name(s) Date of Birth
THOMAS DUTCH URBANO-PEREZ THOMAS E PEREZ; DUTCH ENRIQUE; FIELDS
PEREZ; DUTCH T URBAND
Best Address Other Address(es)
1056 VAN VOORHIS RD APT K-4
MORGANTOWN WV 26505-1209
2222 CORONADO AVE # 211
SAN DIEGO CA 92154-2037
323 HOIST RD
BECKLEY WV 25801-9058
Best Employer Other Employer(s)
ROADWAY ROADWAY EXP
MessagesInformational Messages
Type Message
0084 SSN MATCHES
0335 Q Q0NUMBER OF INQUIRIES WAS ALSO A FACTOR, BUT EFFECT WAS NOT
SIGNIFICANT
Score SummaryRisk Model & Score Score Factor Description
685VantageScore
You have no real estate accounts that can be used in determining a credit score.
None of your bank credit card accounts show a credit amount.
Time since oldest account opened is too recent.
Not enough of your accounts have been paid on time in recent months.
CreditorsInstallment Accounts
LADCO LEASING
Open Date Original Amount Charge Off Amount Past Due Current Balance
05/17/2007 $2,397 $1,498 $1,498 $1,498
Account Condition: Unpaid balance reported as loss Account Type: Lease
Payment Status: Seriously past due Account Terms: 48 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Sep09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9
TXU ENERGY
Open Date Original Amount Charge Off Amount Past Due Current Balance
07/03/2009 $255 $255 $255 $255
Account Condition: Account Type: Unknow n
Payment Status: Unpaid balance reported as loss Account Terms: 10 Month
Payment History:(Up to 25 months)
Oct10
9
NCO FIN/22
Open Date Original Amount Past Due Current Balance
08/28/2009 $4,490 $5,151 $5,151
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
2/17
Account Condition: Account Type: Unknow n
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 - 9 9 9 9 9 9 9 9
O riginal c reditor: NC O /A SSIGNEE O F FIRST USA
NCO FIN/22
Open Date Original Amount Past Due Current Balance
01/05/2009 $6,158 $12,077 $12,077
Account Condition: Account Type: Unknow n
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
9 9 9 9 - 9 9 9 9 9 9 9 - 9 9 9 9 9 9 9 9 9 9 9 9
O riginal c reditor: NC O P -PURC HA SER FRO M C IT IBA NK
PENN CREDIT CORPORATIO
Open Date Original Amount Past Due Current Balance
03/25/2011 $102 $102 $102
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9
O riginal c reditor: C ITY O F DA LLA S
ARROW FINANCIAL SERVIC
Open Date Original Amount Past Due Current Balance
01/06/2009 $985 $1,629 $1,629
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
- - 9 - 9 - - - - - - 9 - - - 9 9 9 9 9 9 9 - 9 -
O riginal c reditor: A .F.S. A SSIGNEE O F GE
ARROW FINANCIAL SERVIC
Open Date Original Amount Past Due Current Balance
09/25/2009 $156 $257 $257
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
- 9 - - - - - - 9 9 9 9 - - - - - - -
O riginal c reditor: A .F.S. A SSIGNEE O F TA RGET
PARAGON WAY INC
Open Date Original Amount Past Due Current Balance
02/18/2009 $8,287 $8,287 $8,287
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Sep09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
9 9 9 9 9 9 9 - 9 9 9 9 9 9 - 9 9 9 9 9 9 9 9 9 9
O riginal c reditor: WELLS FA RGO
UNITED REVENUE CORP
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
3/17
Open Date Original Amount Past Due Current Balance
11/13/2009 $355 $355 $355
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: Unknow n
Payment History:(Up to 25 months)
Jan10
9
O riginal c reditor: MEDIC A L PA YMENT DA TA
NCO FIN/38
Open Date Original Amount Past Due Current Balance
09/24/2009 $947 $947 $947
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: Unknow n
Payment History:(Up to 25 months)
Dec09
9
O riginal c reditor: MEDIC A L PA YMENT DA TA
KCA FINANCIAL SVCS
Open Date Original Amount Past Due Current Balance
06/27/2008 $64 $64 $64
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Oct09
9
O riginal c reditor: MC I WO RLDC O M C O MMUNIC A T IO NS
NCO FIN/38
Open Date Original Amount Past Due Current Balance
02/28/2009 $4,321 $4,321 $4,321
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: Unknow n
Payment History:(Up to 25 months)
May09
9
O riginal c reditor: MEDIC A L PA YMENT DA TA
UNITED REVENUE CORP
Open Date Original Amount Past Due Current Balance
03/23/2009 $241 $241 $241
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: Unknow n
Payment History:(Up to 25 months)
May09
9
O riginal c reditor: MEDIC A L PA YMENT DA TA
FIRSTSOURCE ADVANTAGE
Open Date Original Amount Past Due Current Balance
10/20/2007 $502 $502 $502
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec07
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
- - - - - - - - - - 9 9 - - - - - - - - - - -
O riginal c reditor: MEDIC A L PA YMENT DA TA
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
4/17
FIRSTSOURCE ADVANTAGE
Open Date Original Amount Past Due Current Balance
07/03/2008 $406 $406 $406
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec07
Nov07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
- 9 9 - - - - - - - - - - -
O riginal c reditor: MEDIC A L PA YMENT DA TA
FIRSTSOURCE ADVANTAGE
Open Date Original Amount Past Due Current Balance
07/03/2008 $2,901 $2,901 $2,901
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec07
Nov07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
- 9 9 - - - - - - - - - - -
O riginal c reditor: MEDIC A L PA YMENT DA TA
FIRSTSOURCE ADVANTAGE
Open Date Original Amount Past Due Current Balance
09/27/2008 $3,383 $3,383 $3,383
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec07
Nov07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
- 9 9 - - - - - - - - - - -
O riginal c reditor: MEDIC A L PA YMENT DA TA
TXU ENERGY
Open Date Original Amount Charge Off Amount Past Due Current Balance
11/23/1994 $834 $834
Account Condition: Paid/zero balance Account Type: Unknow n
Payment Status: Unpaid balance reported as loss Account Terms: 10 Month
Payment History:(Up to 25 months)
Dec08
Nov08
Oct08
Sep08
Jul09
Jun09
May09
Apr09
Mar09
Feb09
Jan09
- - - 9 B - - - - - -
TD AUTO FINANCE
Open Date Original Amount Past Due Current Balance
07/28/2006 $10,347
Account Condition: Paid/zero balance Account Type: Auto Loan
Payment Status: 30 days past due 6 times or more Account Terms: 48 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Sep09
Aug09
Jul09
Jun09
May09
Apr09
Mar09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Mar11
Feb11
Jan11
1 1 C 1 1 C C C C C - - - - - 1 1 1 1 1 C C B - -
Revolving Accounts
CHASE
Open Date Credit Limit High Balance Past Due Current Balance
02/08/2010 $10,500 $8,036 $0
Account Condition: Open Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
C C C C C C C C C C C 0 C C C C C C C C C
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
5/17
CHASE
Open Date Credit Limit High Balance Past Due Scheduled Payment Current Balance
10/21/2010 $5,300 $5,504 $91 $4,565
Account Condition: Open Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec10
Nov10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
C C C C C C C C C C C C
GEMB/WALMART
Open Date Credit Limit High Balance Past Due Current Balance
09/01/1993 $6,500 $3,471 $0
Account Condition: Open Account Type: Revolving Charge Account
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
BANK OF AMERICA
Open Date Credit Limit High Balance Past Due Scheduled Payment Current Balance
09/24/2009 $14,000 $13,225 $126 $12,655
Account Condition: Open Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
C C C - C C C C C C C C C C C C C C C C C - C - -
CHASE
Open Date Credit Limit High Balance Past Due Current Balance
12/01/2001 $24,000 $11,000 $0
Account Condition: Open Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
C C C C C C C C C C C C C C C 0 C C C C C C C C C
HSBC BANK
Open Date Credit Limit High Balance Past Due Current Balance
12/27/2009 $7,000 $5,000 $0
Account Condition: Open Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
0 0 0 0 0 0 0 C C C C C C 0 0 0 0 0 0 0 0 0
DISCOVER FIN SVCS LLC
Open Date Credit Limit Charge Off Amount Past Due Current Balance
07/28/2006 $5,000 $4,922
Account Condition: Unpaid balance reported as loss Account Type: Credit Card
Payment Status: 180 days past due Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Nov06
Oct06
Sep06
Aug06
Jul06
Jun06
Dec07
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Jan07
C C C C C C 0 9 6 6 5 4 3 2 1 C C C C
Sold portfolio to: FIRST SELEC T 1-888-924-2000
A C C O UNT TRA NSFERRED TO A NO THER LENDER
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
6/17
DISCOVER FIN SVCS LLC
Open Date Credit Limit Charge Off Amount Past Due Current Balance
11/07/2006 $7,500 $7,611
Account Condition: Unpaid balance reported as loss Account Type: Credit Card
Payment Status: 180 days past due Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Nov06
Oct06
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Jan07
C C C 9 6 6 5 4 3 2 1 C C C
Sold portfolio to: FIRST SELEC T 1-888-924-2000
A C C O UNT TRA NSFERRED TO A NO THER LENDER
WELLS FARGO BANK
Open Date Credit Limit Charge Off Amount Past Due Current Balance
11/26/2005 $8,500 $8,287 $3,407 $8,287
Account Condition: Unpaid balance reported as loss Account Type: Credit Card
Payment Status: 150 days past due Account Terms: Revolving
Payment History:(Up to 25 months)
Dec07
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
Feb09
Jan09
5 4 3 2 1 C C C C C C 9 9 9 9 9 9 9 9 9 9 9 9 9 9
A C C O UNT TRA NSFERRED TO A NO THER LENDER
BANK OF AMERICA
Open Date Credit Limit Charge Off Amount Past Due Current Balance
09/01/2006 $7,700 $8,486
Account Condition: Unpaid balance reported as loss Account Type: Credit Card
Payment Status: 150 days past due Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Nov06
Oct06
Sep06
Dec07
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Jan07
C - - C 9 5 4 4 3 2 1 C C C C C
A C C O UNT TRA NSFERRED TO A NO THER LENDER
KOHLS/CHASE
Open Date High Balance Charge Off Amount Past Due Current Balance
10/15/2005 $213 $213 $126 $126
Account Condition: Account Type: Credit Card
Payment Status: Unpaid balance reported as loss Account Terms: Revolving
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Sep09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9
AMEX
Open Date High Balance Charge Off Amount Past Due Current Balance
11/21/2005 $1,959 $1,959 $1,959 $1,959
Account Condition: Account Type: Credit Card
Payment Status: Unpaid balance reported as loss Account Terms: 1 Month
Payment History:(Up to 25 months)
Mar07
9
A C C O UNT C LO SED A T C REDIT GRA NTO R'S REQ UEST
AMEX
Open Date High Balance Charge Off Amount Past Due Current Balance
01/17/2007 $1,951 $1,951 $1,947 $1,951
Account Condition: Account Type: Credit Card
Payment Status: Unpaid balance reported as loss Account Terms: Revolving
Payment History:(Up to 25 months)
Mar07
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
7/17
9A C C O UNT C LO SED A T C REDIT GRA NTO R'S REQ UEST
HSBC BANK
Open Date High Balance Past Due Current Balance
07/22/2008 $1,020
Account Condition: Transferred Account Type: Credit Card
Payment Status: Unpaid balance reported as loss Account Terms: Revolving
Payment History:(Up to 25 months)
Oct09
Sep09
9 9
A C C O UNT TRA NSFERRED TO A NO THER LENDER
CHASE
Open Date Credit Limit Charge Off Amount Past Due Current Balance
10/13/2005 $3,000 $4,489
Account Condition: Transferred Account Type: Credit Card
Payment Status: 180 days past due Account Terms: Revolving
Payment History:(Up to 25 months)
Dec08
Nov08
Oct08
Sep08
Dec09
Nov09
Oct09
Sep09
Aug09
Jul09
Jun09
May09
Apr09
Mar09
Feb09
Jan09
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 9 6 6 6 6 6 6 6 6
A C C O UNT TRA NSFERRED TO A NO THER LENDER
CHASE BANK USA, NA
Open Date High Balance Past Due Current Balance
12/21/2007 $8,486
Account Condition: Account Type: Credit Card
Payment Status: Transferred Account Terms: Revolving
Payment History:(Up to 25 months)
Mar09
B
A C C O UNT TRA NSFERRED TO A NO THER LENDER
CHASE BANK USA, NA
Open Date High Balance Past Due Current Balance
01/26/2008 $4,922
Account Condition: Account Type: Credit Card
Payment Status: Transferred Account Terms: Revolving
Payment History:(Up to 25 months)
Mar09
B
A C C O UNT TRA NSFERRED TO A NO THER LENDER
CHASE BANK USA, NA
Open Date High Balance Past Due Current Balance
12/27/2007 $7,611
Account Condition: Account Type: Credit Card
Payment Status: Transferred Account Terms: Revolving
Payment History:(Up to 25 months)
Mar09
B
A C C O UNT TRA NSFERRED TO A NO THER LENDER
CHASE BANK USA, NA
Open Date Credit Limit High Balance Past Due Current Balance
05/26/2005 $2,504 $1,087
Account Condition: Closed Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History: Dec Nov Oct Sep Aug Jul Jun May Apr Mar Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Mar Feb Jan
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
8/17
(Up to 25 months) 06 06 06 06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08
0 0 C C C C C C C C 0 0 0 0 0 0 0 0 0 0 0 0 B 0 0
A C C O UNT C LO SED A T C O NSUMER'S REQ UEST
BAC/FLEET-BKCARD
Open Date Credit Limit Past Due Current Balance
11/11/2006 $500
Account Condition: Paid/zero balance Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
Dec09
Nov09
Oct09
Sep09
Aug09
Jul09
Jun09
May09
Apr09
Mar09
Feb09
Jan09
0 0 0 0 0 0 0 0 0 0 0 0 0 B 0 0 0 0 0 0 0 0 0 0 0
A C C O UNT C LO SED A T C REDIT GRA NTO R'S REQ UEST
SEARS/CBSD
Open Date Credit Limit Past Due Current Balance
06/15/2006 $4,000
Account Condition: Paid/zero balance Account Type: Revolving Charge Account
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Nov06
Oct06
Sep06
Aug06
Jul06
Dec07
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Jan07
Feb08
Jan08
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 B 0
A C C O UNT C LO SED A T C O NSUMER'S REQ UEST
WELLS FARGO BANK
Open Date Credit Limit High Balance Past Due Current Balance
11/14/2004 $500 $554
Account Condition: Paid/zero balance Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec05
Nov05
Oct05
Dec06
Nov06
Oct06
Sep06
Aug06
Jul06
Jun06
May06
Apr06
Mar06
Feb06
Jan06
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Jan07
C C C 0 C C 0 0 0 0 0 0 0 0 C B 0 0 0 0 0 0 0 0 0
A C C O UNT C LO SED A T C O NSUMER'S REQ UEST
CAP ONE
Open Date High Balance Past Due Current Balance
12/24/2006 $6
Account Condition: Paid/zero balance Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Mar07
Feb07
Jan07
C B C C
A C C O UNT C LO SED A T C O NSUMER'S REQ UEST
CAP ONE
Open Date Past Due Current Balance
10/26/2006
Account Condition: Paid/zero balance Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Nov06
Oct06
B C C
A C C O UNT C LO SED A T C O NSUMER'S REQ UEST
InquiriesDate Subscriber Type
04/21/2010 UNIFUND CORP /O ther C ollec tion A genc ies Collection Department/Agency/Attorney
01/21/2010 UNIFUND CORP /O ther C ollec tion A genc ies Collection Department/Agency/Attorney
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
9/17
11/09/2009 FMA ALLIANCE LIMITED /O ther C ollec tion A genc ies Collection Department/Agency/Attorney
09/20/2009 UNIFUND CORP /O ther C ollec tion A genc ies Collection Department/Agency/Attorney
END -- Experian C redit Report and V antageScore�
Personal InformationBest Name Other Name(s) Date of Birth
THOMAS DUTCH URBANO-PEREZ THOMAS E PEREZ; DUTCH ENRIQUE; FIELDS
PEREZ; DUTCH T URBAND
Best Address Other Address(es)
1056 VAN VOORHIS RD APT K-4
MORGANTOWN WV 26505-1209
2222 CORONADO AVE # 211
SAN DIEGO CA 92154-2037
323 HOIST RD
BECKLEY WV 25801-9058
Best Employer Other Employer(s)
ROADWAY ROADWAY EXP
MessagesInformational Messages
Type Message
0084 SSN MATCHES
0335 Q Q0NUMBER OF INQUIRIES WAS ALSO A FACTOR, BUT EFFECT WAS NOT
SIGNIFICANT
Score SummaryRisk Model & Score Score Factor Description
685VantageScore
You have no real estate accounts that can be used in determining a credit score.
None of your bank credit card accounts show a credit amount.
Time since oldest account opened is too recent.
Not enough of your accounts have been paid on time in recent months.
CreditorsInstallment Accounts
LADCO LEASING
Open Date Original Amount Charge Off Amount Past Due Current Balance
05/17/2007 $2,397 $1,498 $1,498 $1,498
Account Condition: Unpaid balance reported as loss Account Type: Lease
Payment Status: Seriously past due Account Terms: 48 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Sep09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9
TXU ENERGY
Open Date Original Amount Charge Off Amount Past Due Current Balance
07/03/2009 $255 $255 $255 $255
Account Condition: Account Type: Unknow n
Payment Status: Unpaid balance reported as loss Account Terms: 10 Month
Payment History:(Up to 25 months)
Oct10
9
NCO FIN/22
Open Date Original Amount Past Due Current Balance
08/28/2009 $4,490 $5,151 $5,151
Account Condition: Account Type: Unknow n
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
10/17
9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 - 9 9 9 9 9 9 9 9
O riginal c reditor: NC O /A SSIGNEE O F FIRST USA
NCO FIN/22
Open Date Original Amount Past Due Current Balance
01/05/2009 $6,158 $12,077 $12,077
Account Condition: Account Type: Unknow n
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
9 9 9 9 - 9 9 9 9 9 9 9 - 9 9 9 9 9 9 9 9 9 9 9 9
O riginal c reditor: NC O P -PURC HA SER FRO M C IT IBA NK
PENN CREDIT CORPORATIO
Open Date Original Amount Past Due Current Balance
03/25/2011 $102 $102 $102
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9
O riginal c reditor: C ITY O F DA LLA S
ARROW FINANCIAL SERVIC
Open Date Original Amount Past Due Current Balance
01/06/2009 $985 $1,629 $1,629
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
- - 9 - 9 - - - - - - 9 - - - 9 9 9 9 9 9 9 - 9 -
O riginal c reditor: A .F.S. A SSIGNEE O F GE
ARROW FINANCIAL SERVIC
Open Date Original Amount Past Due Current Balance
09/25/2009 $156 $257 $257
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
- 9 - - - - - - 9 9 9 9 - - - - - - -
O riginal c reditor: A .F.S. A SSIGNEE O F TA RGET
PARAGON WAY INC
Open Date Original Amount Past Due Current Balance
02/18/2009 $8,287 $8,287 $8,287
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Sep09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
9 9 9 9 9 9 9 - 9 9 9 9 9 9 - 9 9 9 9 9 9 9 9 9 9
O riginal c reditor: WELLS FA RGO
UNITED REVENUE CORP
Open Date Original Amount Past Due Current Balance
11/13/2009 $355 $355 $355
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: Unknow n
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
11/17
Payment History:(Up to 25 months)
Jan10
9
O riginal c reditor: MEDIC A L PA YMENT DA TA
NCO FIN/38
Open Date Original Amount Past Due Current Balance
09/24/2009 $947 $947 $947
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: Unknow n
Payment History:(Up to 25 months)
Dec09
9
O riginal c reditor: MEDIC A L PA YMENT DA TA
KCA FINANCIAL SVCS
Open Date Original Amount Past Due Current Balance
06/27/2008 $64 $64 $64
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Oct09
9
O riginal c reditor: MC I WO RLDC O M C O MMUNIC A T IO NS
NCO FIN/38
Open Date Original Amount Past Due Current Balance
02/28/2009 $4,321 $4,321 $4,321
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: Unknow n
Payment History:(Up to 25 months)
May09
9
O riginal c reditor: MEDIC A L PA YMENT DA TA
UNITED REVENUE CORP
Open Date Original Amount Past Due Current Balance
03/23/2009 $241 $241 $241
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: Unknow n
Payment History:(Up to 25 months)
May09
9
O riginal c reditor: MEDIC A L PA YMENT DA TA
FIRSTSOURCE ADVANTAGE
Open Date Original Amount Past Due Current Balance
10/20/2007 $502 $502 $502
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec07
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
- - - - - - - - - - 9 9 - - - - - - - - - - -
O riginal c reditor: MEDIC A L PA YMENT DA TA
FIRSTSOURCE ADVANTAGE
Open Date Original Amount Past Due Current Balance
07/03/2008 $406 $406 $406
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
12/17
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec07
Nov07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
- 9 9 - - - - - - - - - - -
O riginal c reditor: MEDIC A L PA YMENT DA TA
FIRSTSOURCE ADVANTAGE
Open Date Original Amount Past Due Current Balance
07/03/2008 $2,901 $2,901 $2,901
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec07
Nov07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
- 9 9 - - - - - - - - - - -
O riginal c reditor: MEDIC A L PA YMENT DA TA
FIRSTSOURCE ADVANTAGE
Open Date Original Amount Past Due Current Balance
09/27/2008 $3,383 $3,383 $3,383
Account Condition: Account Type: Collection Department/Agency/Attorney
Payment Status: Seriously past due Account Terms: 1 Month
Payment History:(Up to 25 months)
Dec07
Nov07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
- 9 9 - - - - - - - - - - -
O riginal c reditor: MEDIC A L PA YMENT DA TA
TXU ENERGY
Open Date Original Amount Charge Off Amount Past Due Current Balance
11/23/1994 $834 $834
Account Condition: Paid/zero balance Account Type: Unknow n
Payment Status: Unpaid balance reported as loss Account Terms: 10 Month
Payment History:(Up to 25 months)
Dec08
Nov08
Oct08
Sep08
Jul09
Jun09
May09
Apr09
Mar09
Feb09
Jan09
- - - 9 B - - - - - -
TD AUTO FINANCE
Open Date Original Amount Past Due Current Balance
07/28/2006 $10,347
Account Condition: Paid/zero balance Account Type: Auto Loan
Payment Status: 30 days past due 6 times or more Account Terms: 48 Month
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Sep09
Aug09
Jul09
Jun09
May09
Apr09
Mar09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Mar11
Feb11
Jan11
1 1 C 1 1 C C C C C - - - - - 1 1 1 1 1 C C B - -
Revolving Accounts
CHASE
Open Date Credit Limit High Balance Past Due Current Balance
02/08/2010 $10,500 $8,036 $0
Account Condition: Open Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
C C C C C C C C C C C 0 C C C C C C C C C
CHASE
Open Date Credit Limit High Balance Past Due Scheduled Payment Current Balance
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
13/17
10/21/2010 $5,300 $5,504 $91 $4,565
Account Condition: Open Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec10
Nov10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
C C C C C C C C C C C C
GEMB/WALMART
Open Date Credit Limit High Balance Past Due Current Balance
09/01/1993 $6,500 $3,471 $0
Account Condition: Open Account Type: Revolving Charge Account
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
BANK OF AMERICA
Open Date Credit Limit High Balance Past Due Scheduled Payment Current Balance
09/24/2009 $14,000 $13,225 $126 $12,655
Account Condition: Open Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
C C C - C C C C C C C C C C C C C C C C C - C - -
CHASE
Open Date Credit Limit High Balance Past Due Current Balance
12/01/2001 $24,000 $11,000 $0
Account Condition: Open Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Oct11
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
C C C C C C C C C C C C C C C 0 C C C C C C C C C
HSBC BANK
Open Date Credit Limit High Balance Past Due Current Balance
12/27/2009 $7,000 $5,000 $0
Account Condition: Open Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
0 0 0 0 0 0 0 C C C C C C 0 0 0 0 0 0 0 0 0
DISCOVER FIN SVCS LLC
Open Date Credit Limit Charge Off Amount Past Due Current Balance
07/28/2006 $5,000 $4,922
Account Condition: Unpaid balance reported as loss Account Type: Credit Card
Payment Status: 180 days past due Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Nov06
Oct06
Sep06
Aug06
Jul06
Jun06
Dec07
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Jan07
C C C C C C 0 9 6 6 5 4 3 2 1 C C C C
Sold portfolio to: FIRST SELEC T 1-888-924-2000
A C C O UNT TRA NSFERRED TO A NO THER LENDER
DISCOVER FIN SVCS LLC
Open Date Credit Limit Charge Off Amount Past Due Current Balance
11/07/2006 $7,500 $7,611
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
14/17
Account Condition: Unpaid balance reported as loss Account Type: Credit Card
Payment Status: 180 days past due Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Nov06
Oct06
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Jan07
C C C 9 6 6 5 4 3 2 1 C C C
Sold portfolio to: FIRST SELEC T 1-888-924-2000
A C C O UNT TRA NSFERRED TO A NO THER LENDER
WELLS FARGO BANK
Open Date Credit Limit Charge Off Amount Past Due Current Balance
11/26/2005 $8,500 $8,287 $3,407 $8,287
Account Condition: Unpaid balance reported as loss Account Type: Credit Card
Payment Status: 150 days past due Account Terms: Revolving
Payment History:(Up to 25 months)
Dec07
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
Feb09
Jan09
5 4 3 2 1 C C C C C C 9 9 9 9 9 9 9 9 9 9 9 9 9 9
A C C O UNT TRA NSFERRED TO A NO THER LENDER
BANK OF AMERICA
Open Date Credit Limit Charge Off Amount Past Due Current Balance
09/01/2006 $7,700 $8,486
Account Condition: Unpaid balance reported as loss Account Type: Credit Card
Payment Status: 150 days past due Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Nov06
Oct06
Sep06
Dec07
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Jan07
C - - C 9 5 4 4 3 2 1 C C C C C
A C C O UNT TRA NSFERRED TO A NO THER LENDER
KOHLS/CHASE
Open Date High Balance Charge Off Amount Past Due Current Balance
10/15/2005 $213 $213 $126 $126
Account Condition: Account Type: Credit Card
Payment Status: Unpaid balance reported as loss Account Terms: Revolving
Payment History:(Up to 25 months)
Dec09
Nov09
Oct09
Sep09
Dec10
Nov10
Oct10
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
Sep11
Aug11
Jul11
Jun11
May11
Apr11
Mar11
Feb11
Jan11
9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9
AMEX
Open Date High Balance Charge Off Amount Past Due Current Balance
11/21/2005 $1,959 $1,959 $1,959 $1,959
Account Condition: Account Type: Credit Card
Payment Status: Unpaid balance reported as loss Account Terms: 1 Month
Payment History:(Up to 25 months)
Mar07
9
A C C O UNT C LO SED A T C REDIT GRA NTO R'S REQ UEST
AMEX
Open Date High Balance Charge Off Amount Past Due Current Balance
01/17/2007 $1,951 $1,951 $1,947 $1,951
Account Condition: Account Type: Credit Card
Payment Status: Unpaid balance reported as loss Account Terms: Revolving
Payment History:(Up to 25 months)
Mar07
9
A C C O UNT C LO SED A T C REDIT GRA NTO R'S REQ UEST
HSBC BANK
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
15/17
Open Date High Balance Past Due Current Balance07/22/2008 $1,020
Account Condition: Transferred Account Type: Credit Card
Payment Status: Unpaid balance reported as loss Account Terms: Revolving
Payment History:(Up to 25 months)
Oct09
Sep09
9 9
A C C O UNT TRA NSFERRED TO A NO THER LENDER
CHASE
Open Date Credit Limit Charge Off Amount Past Due Current Balance
10/13/2005 $3,000 $4,489
Account Condition: Transferred Account Type: Credit Card
Payment Status: 180 days past due Account Terms: Revolving
Payment History:(Up to 25 months)
Dec08
Nov08
Oct08
Sep08
Dec09
Nov09
Oct09
Sep09
Aug09
Jul09
Jun09
May09
Apr09
Mar09
Feb09
Jan09
Sep10
Aug10
Jul10
Jun10
May10
Apr10
Mar10
Feb10
Jan10
6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 9 6 6 6 6 6 6 6 6
A C C O UNT TRA NSFERRED TO A NO THER LENDER
CHASE BANK USA, NA
Open Date High Balance Past Due Current Balance
12/21/2007 $8,486
Account Condition: Account Type: Credit Card
Payment Status: Transferred Account Terms: Revolving
Payment History:(Up to 25 months)
Mar09
B
A C C O UNT TRA NSFERRED TO A NO THER LENDER
CHASE BANK USA, NA
Open Date High Balance Past Due Current Balance
01/26/2008 $4,922
Account Condition: Account Type: Credit Card
Payment Status: Transferred Account Terms: Revolving
Payment History:(Up to 25 months)
Mar09
B
A C C O UNT TRA NSFERRED TO A NO THER LENDER
CHASE BANK USA, NA
Open Date High Balance Past Due Current Balance
12/27/2007 $7,611
Account Condition: Account Type: Credit Card
Payment Status: Transferred Account Terms: Revolving
Payment History:(Up to 25 months)
Mar09
B
A C C O UNT TRA NSFERRED TO A NO THER LENDER
CHASE BANK USA, NA
Open Date Credit Limit High Balance Past Due Current Balance
05/26/2005 $2,504 $1,087
Account Condition: Closed Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Nov06
Oct06
Sep06
Aug06
Jul06
Jun06
May06
Apr06
Mar06
Dec07
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Jan07
Mar08
Feb08
Jan08
0 0 C C C C C C C C 0 0 0 0 0 0 0 0 0 0 0 0 B 0 0
A C C O UNT C LO SED A T C O NSUMER'S REQ UEST
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
16/17
BAC/FLEET-BKCARD
Open Date Credit Limit Past Due Current Balance
11/11/2006 $500
Account Condition: Paid/zero balance Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec07
Dec08
Nov08
Oct08
Sep08
Aug08
Jul08
Jun08
May08
Apr08
Mar08
Feb08
Jan08
Dec09
Nov09
Oct09
Sep09
Aug09
Jul09
Jun09
May09
Apr09
Mar09
Feb09
Jan09
0 0 0 0 0 0 0 0 0 0 0 0 0 B 0 0 0 0 0 0 0 0 0 0 0
A C C O UNT C LO SED A T C REDIT GRA NTO R'S REQ UEST
SEARS/CBSD
Open Date Credit Limit Past Due Current Balance
06/15/2006 $4,000
Account Condition: Paid/zero balance Account Type: Revolving Charge Account
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Nov06
Oct06
Sep06
Aug06
Jul06
Dec07
Nov07
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Jan07
Feb08
Jan08
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 B 0
A C C O UNT C LO SED A T C O NSUMER'S REQ UEST
WELLS FARGO BANK
Open Date Credit Limit High Balance Past Due Current Balance
11/14/2004 $500 $554
Account Condition: Paid/zero balance Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec05
Nov05
Oct05
Dec06
Nov06
Oct06
Sep06
Aug06
Jul06
Jun06
May06
Apr06
Mar06
Feb06
Jan06
Oct07
Sep07
Aug07
Jul07
Jun07
May07
Apr07
Mar07
Feb07
Jan07
C C C 0 C C 0 0 0 0 0 0 0 0 C B 0 0 0 0 0 0 0 0 0
A C C O UNT C LO SED A T C O NSUMER'S REQ UEST
CAP ONE
Open Date High Balance Past Due Current Balance
12/24/2006 $6
Account Condition: Paid/zero balance Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Mar07
Feb07
Jan07
C B C C
A C C O UNT C LO SED A T C O NSUMER'S REQ UEST
CAP ONE
Open Date Past Due Current Balance
10/26/2006
Account Condition: Paid/zero balance Account Type: Credit Card
Payment Status: Current Account Terms: Revolving
Payment History:(Up to 25 months)
Dec06
Nov06
Oct06
B C C
A C C O UNT C LO SED A T C O NSUMER'S REQ UEST
InquiriesDate Subscriber Type
04/21/2010 UNIFUND CORP /O ther C ollec tion A genc ies Collection Department/Agency/Attorney
01/21/2010 UNIFUND CORP /O ther C ollec tion A genc ies Collection Department/Agency/Attorney
11/09/2009 FMA ALLIANCE LIMITED /O ther C ollec tion A genc ies Collection Department/Agency/Attorney
09/20/2009 UNIFUND CORP /O ther C ollec tion A genc ies Collection Department/Agency/Attorney
END -- Experian C redit Report and V antageScore�
12/13/11 Experian Credit Report and VantageScore<sup>®</sup>
17/17