chads credit report
TRANSCRIPT
Credit Report Prepared For:
CHAD M MCQUARRIEReport as Of: 7/9/2012
Personal & ConfidentialPlease Keep in a safe place for your records.
CHAD M MCQUARRIEReport As Of: 7/9/2012
Table of Contents
Personal Information _____________________________________________________________________ 1 Report Summary ________________________________________________________________________ 2 Bankruptcy & Court Judgments ____________________________________________________________ 3 Credit Inquires __________________________________________________________________________ 4 Credit Cards, Loans & Other Debt ___________________________________________________________ 8 Credit Score ___________________________________________________________________________ 19
Experian ____________________________________________________________________________ 20
Equifax ______________________________________________________________________________ 21
Transunion ___________________________________________________________________________ 22
CreditScore.com | A Part of Experian
CHAD M MCQUARRIEReport As Of: 7/9/2012
Personal InformationHere you will find your personal information, including your legal name(s), year of birth, current and previous addresses, and current and previous employers.
Profile
Name CHAD M MCQUARRIE CHAD M MCQUARRIE CHAD M MCQUARRIE
(Also Known As) AKA MCQUARRIE CHAD MCQUARRIE,CHAD,MICHAELYear of Birth 1980 1980 1980
Address(es) 605 BLACKSHOALS DR, CARY, NC 27511-5728
5430 REBECCA LYNN LN, RALEIGH, NC 27613-1069
6300 CHADFORD DR APT 1824, RALEIGH, NC 27612-7198
605 BLACKSHOALS DR, CARY, NC 27511
5430 REBECCA LYNN LN, RALEIGH, NC 27613
6300 CHADFORD DR APT 1824, RALEIGH, NC 27612
605 BLACKSHOALS DR, CARY, NC 27511
5430 REBECCA LYNN LN, RALEIGH, NC 27613
46 22ND ST, RICHMOND, IN 47374
Current Employer CHEESECAKE FACTORY GARFIELDS
Previous Employer SYKES ENTERPRISES AMPRIDESTERLING
This space is reserved for statements of dispute. For most consumers, no information appears in this section.
Personal Statement
Personal Information Page 1 of 1 Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Report SummaryThis section provides you some of the most important data points on the credit report.
Summary
Accounts Listed Negative 0 0 0Collections Accounts 5 7 7
Real Estate Debt $0.00 $0.00 $0.00
Installment Debt $39,361.00 $21,279.00 $21,279.00
Revolving Debt $431.00 $431.00 $431.00
% Revolving Credit Available 28.17% 100% 28%
Personal Information Report Summary Page 1 of 1 Bankruptcies Credit Inquires Credit Cards & Loans Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Bankruptcy & Court JudgmentsHere you will find any court-related information, including bankruptcies, state and county court records, tax liens, monetary judgments, and in some states, overdue child support payments. Remember, bankruptcies remain on your report for 7-10 years.
Public Records
There are no Public Records on your credit report at this time.
No History No History No History
Personal Information Report Summary Bankruptcies Page 1 of 1 Credit Inquires Credit Cards & Loans Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.
GECRB
Business Name GECRB
Inquiry Date 7/9/2012Business Type
Credit card and travel / entertainment companies
No Phone Provided
C/O PO BOX 965037ORLANDO, FL 32896
TARGET NATIONAL BANK
Business Name TARGET NATIONAL BANK
Inquiry Date 6/22/2012 Business Type Complete Dept. Stores
888-755-5856
C/O TARGET CREDIT SERVICESP O BOX 673MINNEAPOLIS, MN 55440-0673
WEBBANK/BML
Business Name WEBBANK/BML
Inquiry Date 2/16/2012 Business Type National Credit Card Cos.
866-528-3733
9690 DEERCO ROADTIMONIUM, MD 21093
GECRB/AMAZON PLCC
Business Name GECRB/AMAZON PLCC
Inquiry Date 11/14/2011 Business Type Bank Credit Cards
866-597-1513
PO BOX 981400EL PASO, TX 79998
Personal Information Report Summary Bankruptcies Credit Inquires Page 1 of 4 Credit Cards & Loans Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.
GECRB/LOWES
Business Name GECRB/LOWES
Inquiry Date 9/8/2011Business Type
Credit card and travel / entertainment companies
800-444-1408
PO BOX 965005ORLANDO, FL 32896
GECRB/AMAZON
Business Name GECRB/AMAZON
Inquiry Date 9/2/2011Business Type Banks and S&Ls
866-634-8379
PO BOX 965015ORLANDO, FL 32896
WEBBANK/BML
Business Name WEBBANK/BML
Inquiry Date 5/3/2011 Business Type National Credit Card Cos.
866-528-3733
9690 DEERCO ROADTIMONIUM, MD 21093
CHASE BANK USA, N. A
Business Name CHASE BANK USA, N. A
Inquiry Date 4/7/2011 Business Type National Credit Card Cos.
800-677-7101
201 N.WALNUT STREETWILMINGTON, DE 19801
Personal Information Report Summary Bankruptcies Credit Inquires Page 2 of 4 Credit Cards & Loans Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.
CAPITAL ONE/HSBC
Business Name CAPITAL ONE/HSBC
Inquiry Date 2/26/2011 Business Type All Banks
800-695-6950
26525 NORTH RIVERWOODS BLVDMETTAWA, IL 60045
CAPITAL ONE/HSBC
Business Name CAPITAL ONE/HSBC
Inquiry Date 2/26/2011 Business Type All Banks
800-695-6950
26525 NORTH RIVERWOODS BLVDMETTAWA, IL 60045
1ST PREMIER
Business Name 1ST PREMIER
Inquiry Date 11/14/2010Business Type Banks and S&Ls
605-357-3440
3820 N LOUISE AVESIOUX FALLS, SD 57104
CREDCO
Business Name CREDCO
Inquiry Date 10/8/2010 Business Type Miscellaneous Reptg. Agencies
Personal Information Report Summary Bankruptcies Credit Inquires Page 3 of 4 Credit Cards & Loans Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.
GECRB
Business Name GECRB
Inquiry Date 9/7/2010 Business Type Sales Financing
No Phone Provided
C/O PO BOX 965037ORLANDO, FL 32896-5037
Personal Information Report Summary Bankruptcies Credit Inquires Page 4 of 4 Credit Cards & Loans Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
ABSOLUTE COLLECT SVC
Potentially Negative
Account Name ABSOLUTE COLLECT SVC ACS
Account # A2476XXXX A2476XXXXAccount Type Collection Department / Agency /
Attorney Collection Account
919-755-3900 Balance $1,055.00 $1,055.00
421 FAYETTEVILLE ST STERALEIGH, NC 27601
Past Due $1,055.00 Date Opened 1/1/2010 1/4/2010
Account Status Closed OpenMo. Payment
Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Collection account
High Balance Limit
Terms 1 Month Comments Placed for collection
2008 2009 2010MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
KD
Month Experian
Equifax TransUnion
ABSOLUTE COLLECT SVC
Potentially Negative
Account Name ABSOLUTE COLLECT SVC ACS
Account # A1967XXXX A1967XXXX A1967XXXXAccount Type Collection Department / Agency /
Attorney Collection Account Collection Account
919-755-3900 Balance $196.00 $196.00 $196.00
421 FAYETTEVILLE ST STERALEIGH, NC 27601
Past Due $196.00 Date Opened 6/1/2006 6/1/2006 6/19/2006
Account Status Closed Closed OpenMo. Payment
Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Unpaid Collection account
High Balance Limit
Terms 1 Month Comments
MEDICALUnpaid
Placed for collection
2004 2005 2006DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV
KD
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 1 of 10 Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
ABSOLUTE COLLECT SVC
Potentially Negative
Account Name ABSOLUTE COLLECT SVC ACS
Account # A1961XXXX A1961XXXX A1961XXXXAccount Type Collection Department / Agency /
Attorney Collection Account Collection Account
919-755-3900 Balance $196.00 $196.00 $196.00
421 FAYETTEVILLE ST STERALEIGH, NC 27601
Past Due $196.00 Date Opened 5/1/2006 5/1/2006 5/22/2006
Account Status Closed Closed OpenMo. Payment
Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Unpaid Collection account
High Balance Limit
Terms 1 Month Comments
MEDICALUnpaid
Placed for collection
2004 2005 2006OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP
KD
Month Experian
Equifax TransUnion
ACS
Potentially Negative
Account Name ACS
Account # A2523XXXXAccount Type Collection Account
919-755-3900 Balance $705.00
421 FAYETTEVILLE SSUITE 600RALEIGH, NC 27601
Past Due Date Opened 4/26/2010
Account Status OpenMo. Payment
Payment Status Collection accountHigh Balance
Limit Terms
Comments Placed for collection
-JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 2 of 10 Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
FAC/NAB
Potentially Negative
Account Name FAC/NAB FAC/NAB
Account # 1084XXXX 1084XXXX 1084XXXXAccount Type Collection Department / Agency /
Attorney Collection Account Collection Account
615-256-7100 Balance $848.00 $848.00 $848.00
480 JAMES ROBERTSON PKWYNASHVILLE, TN 37219
Past Due $848.00 Date Opened 2/1/2008 2/1/2008 2/20/2008
Account Status Closed Closed OpenMo. Payment
Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Unpaid Collection account
High Balance Limit
Terms 1 Month Comments
MEDICALUnpaid
Placed for collection
2010 2011 2012JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUNKD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD
Month Experian
Equifax TransUnion
INTERCREDCOL
Potentially Negative
Account Name INTERCREDCOL
Account # 461XXXXAccount Type Collection Account
336-777-3524 Balance $73.00
711 COLISEUM PLAZAWINSTON SALEM, NC 27106
Past Due Date Opened 12/13/2006
Account Status OpenMo. Payment
Payment Status Collection accountHigh Balance
Limit Terms
Comments Placed for collection
-JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 3 of 10 Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
SCA COLLECTIONS INC
Potentially Negative
Account Name SCA COLLECTIONS INC SCA COLLECT
Account # 198XXXX 198XXXX 198XXXXAccount Type Collection Department / Agency /
Attorney Collection Account Collection Account
252-355-5500 Balance $79.00 $79.00 $79.00
PO BOX 876GREENVILLE, NC 27835
Past Due $79.00 Date Opened 10/1/2008 10/1/2008 10/7/2008
Account Status Closed Closed OpenMo. Payment
Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Unpaid Collection account
High Balance Limit
Terms 1 Month Comments
MEDICALUnpaid
Placed for collection
2007 2008JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
KD
Month Experian
Equifax TransUnion
Potentially Negative Closed
Account Name
Account # A2176XXXX Account Type Collection Account
Balance $2,007.00 Past Due
Date Opened 5/1/2008 Account Status Closed
Mo. Payment Payment Status Unpaid
High Balance Limit
Terms Comments
MEDICALUnpaid
-JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 4 of 10 Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
Potentially Negative Closed
Account Name
Account # 897XXXX Account Type Collection Account
Balance $90.00 Past Due
Date Opened 3/1/2008 Account Status Closed
Mo. Payment Payment Status Unpaid
High Balance Limit
Terms Comments
MEDICALUnpaid
-JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
Month Experian
Equifax TransUnion
Potentially Negative Closed
Account Name
Account # A2126XXXX Account Type Collection Account
Balance $115.00 Past Due
Date Opened 12/1/2007 Account Status Closed
Mo. Payment Payment Status Unpaid
High Balance Limit
Terms Comments
MEDICALUnpaid
-JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 5 of 10 Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
MONROE COUNTY CHILD SU
Potentially Negative Closed
Account Name MONROE COUNTY CHILD SU
Account # 529XXXX Account Type Child Support
812-349-2675 Balance $18,082.00
238 W 7TH STBLOOMINGTON, IN 47404
Past Due $18,082.00 Date Opened 1/1/2006
Account Status Closed Mo. Payment
Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
High Balance Limit
Terms 1 Month Comments
2010 2011 2012JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN
KD
Month Experian
Equifax TransUnion
CAP ONE
Current
Account Name CAP ONE CAPITAL ONE CAP ONE
Account # 526835019189XXXX 526835019189XXXX 52683501XXXXAccount Type Credit Card Revolving or Option Revolving account
800-477-6000 Balance $198.00 $198.00 $198.00
PO BOX 5253CAROL STREAM, IL 60197
Past Due $0.00Date Opened 2/1/2011 2/1/2011 2/26/2011
Account Status Open Open OpenMo. Payment $25.00 $25.00 $25.00
Payment Status Current Pays account as agreed Paid or paying as agreedHigh Balance $323.00 $323.00
Limit $300.00 $300.00 $300.00Terms Revolving Minimum
Comments
CREDIT CARD
2010 2011 2012JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
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
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 6 of 10 Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
CARMAX AUTO FINANCE
Current
Account Name CARMAX AUTO FINANCE CARMAX AUTO FINANCE CAF
Account # 941XXXX 941XXXX 941XXXXAccount Type Auto Loan Installment Installment account
No Phone Provided Balance $12,758.00 $12,758.00 $12,758.00
2040 THALBRO STRICHMOND, VA 23230
Past Due $0.00Date Opened 7/1/2009 7/1/2009 7/29/2009
Account Status Open Open OpenMo. Payment $376.00 $376.00 $376.00
Payment Status Current, was past due 30 days Pays account as agreed Paid or paying as agreedHigh Balance $20,296.00 $20,296.00
Limit Terms 72 Months 72 Months
Comments
AUTOFIXED RATE
2010 2011 2012MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK
Month Experian
Equifax TransUnion
FED LOAN SERV
Current
Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN
Account # 4622018935FD0XXXX 4622018935FD0XXXX 4622018935FD0XXXXAccount Type Education Loan Installment Installment account
717-720-1985 Balance $2,000.00 $2,000.00 $2,000.00
PO BOX 69184HARRISBURG, PA 17106
Past Due $0.00 $0.00Date Opened 10/1/2011 10/1/2011 10/6/2011
Account Status Open Open OpenMo. Payment
Payment Status Current Pays account as agreed Paid or paying as agreedHigh Balance $2,000.00 $2,000.00
Limit Terms Unknown
CommentsStudent loan - payment deferred
STUDENT LOAN - PAYMENT DEFERRED
Payment deferred
2010 2011 2012MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 7 of 10 Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
FED LOAN SERV
Current
Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN
Account # 4622018935FD0XXXX 4622018935FD0XXXX 4622018935FD0XXXXAccount Type Education Loan Installment Installment account
717-720-1985 Balance $3,500.00 $3,500.00 $3,500.00
PO BOX 69184HARRISBURG, PA 17106
Past Due $0.00 $0.00Date Opened 10/1/2011 10/1/2011 10/6/2011
Account Status Open Open OpenMo. Payment
Payment Status Current Pays account as agreed Paid or paying as agreedHigh Balance $3,500.00 $3,500.00
Limit Terms Unknown
CommentsStudent loan - payment deferred
STUDENT LOAN - PAYMENT DEFERRED
Payment deferred
2010 2011 2012MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Month Experian
Equifax TransUnion
FED LOAN SERV
Current
Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN
Account # 4622018935FD0XXXX 4622018935FD0XXXX 4622018935FD0XXXXAccount Type Education Loan Installment Installment account
717-720-1985 Balance $2,821.00 $200.00 $200.00
PO BOX 69184HARRISBURG, PA 17106
Past Due $0.00 $0.00Date Opened 6/1/2011 6/1/2011 6/6/2011
Account Status Open Open OpenMo. Payment
Payment Status Current Pays account as agreed Paid or paying as agreedHigh Balance $200.00 $200.00
Limit Terms Unknown
CommentsStudent loan - payment deferred
STUDENT LOAN - PAYMENT DEFERRED
Payment deferred
2010 2011 2012MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
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
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 8 of 10 Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
FED LOAN SERV
Current
Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN
Account # 4622018935FD0XXXX 4622018935FD0XXXX 4622018935FD0XXXXAccount Type Education Loan Installment Installment account
717-720-1985 Balance $200.00 $2,821.00 $2,821.00
PO BOX 69184HARRISBURG, PA 17106
Past Due $0.00 $0.00Date Opened 6/1/2011 6/1/2011 6/6/2011
Account Status Open Open OpenMo. Payment
Payment Status Current Pays account as agreed Paid or paying as agreedHigh Balance $2,821.00 $2,821.00
Limit Terms Unknown
CommentsStudent loan - payment deferred
STUDENT LOAN - PAYMENT DEFERRED
Payment deferred
2010 2011 2012MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
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
Month Experian
Equifax TransUnion
FIRST PREMIER BANK
Current
Account Name FIRST PREMIER BANK FIRST PREMIER FST PREMIER
Account # 517800632505XXXX 517800632505XXXX 51780063XXXXAccount Type Credit Card Revolving or Option Revolving account
605-357-3440 Balance $233.00 $233.00 $233.00
601 S MINNESOTA AVESIOUX FALLS, SD 57104
Past Due $0.00Date Opened 11/1/2010 11/1/2010 11/16/2010
Account Status Open Open OpenMo. Payment $30.00 $30.00 $30.00
Payment Status Current Pays account as agreed Paid or paying as agreedHigh Balance $319.00 $319.00
Limit $300.00 $300.00 $300.00Terms Revolving Minimum
Comments
CREDIT CARD
2010 2011 2012JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
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 OK OK OK OK OK OK
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 9 of 10 Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
VECTRA BANK COLORADO
Current
Account Name VECTRA BANK COLORADO VECTRA BANK
Account # 1301442000400XXXX 1301442000400XXXX Account Type Auto Loan Installment
303-782-7500 Balance $0.00 $0.00
1650 S COLORADO BLVDDENVER, CO 80222
Past Due $0.00 Date Opened 7/1/1998 7/1/1998
Account Status Closed Open Mo. Payment $280.00
Payment Status Paid satisfactorily Pays account as agreed High Balance $13,598.00
Limit Terms 60 Months
Comments Credit line closed-consumer request-reported by subscriber
2001 2002 2003AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JULOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Month Experian
Equifax TransUnion
CITI AUTO
Current Closed
Account Name CITI AUTO CITIFINANCIAL AUTO CITI AUTO
Account # 431991XXXX 431991XXXX 431991XXXXAccount Type Auto Loan Installment Installment account
800-486-1750 Balance $0.00 $0.00
2208 HIGHWAY 121 STE 100BEDFORD, TX 76021
Past Due $0.00Date Opened 1/1/2008 1/1/2008 1/1/2008
Account Status Closed Closed ClosedMo. Payment $334.00 $334.00
Payment Status Paid, was past due 180 days or more Pays account as agreed Paid or paying as agreedHigh Balance $17,040.00 $17,040.00
Limit Terms 72 Months 72 Months
Comments
PAID ACCOUNT / ZERO BALANCEAUTO
Closed
2008 2009 2010MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB
OK OK OK OK OK OK OK OK OK OK 30 60 120 120 120 120 OK OK OK OK OK OK OK OK OK 30 60 90 120 120 120 120
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 90 120 120 120
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 10 of 10 Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
Payment History Legend
OK Current 30 30 Days Late KD Key Derogatory**
ND No Data* 60 60 Days Late RF Repossession or Foreclosure
90 90 Days Late PP Payment Plan
120 120 Days Late
*Sometimes the credit bureaus do not have information from a particular month on file.** For additional information on Key Derogatory, please see your Credit Report Guide.
Account Status Legend
Current Current Closed Unknown
Potentially Negative Potentially Negative Closed
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page Legend Credit Score
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.
About your PLUS Score: Your PLUS Score is formulated using the information in your credit file. Your PLUS Score can range between 330 and 830, with a higher score indicating a lower risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose: to summarize your creditworthiness. Keep in mind that your score is just one factor used in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan.
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.
DISCLAMER
The PLUS ScoreSM, developed by Experian, is not an endorsement or guarantee of your credit worthiness as seen by lenders. The different risk levels presented here are for educational use only. Your PLUS Score can help you understand what factors impact your credit score.
Please be aware that there are many scoring models used in the marketplace, and each lender´s scoring model has its own set of factors. How each lender weighs their chosen factors may vary, but the exact formula used to calculate your score is proprietary. In general, the higher your score, the better your chances are of obtaining favorable rates and terms.
Your PLUS Score was calculated using your actual data from your credit file on the day that you requested your report, making it comparable to most scoring models in the industry. Keep in mind however that other factors, such as length of employment and annual salary, are often taken into consideration by lenders when making decisions about you.
Also note that each bureau has its own set of data, resulting in a separate PLUS Score for each of your credit files.
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.
566 548 521
Poor
Your Experian PLUS Score ExplanationPercentile: Your credit rating ranks higher than 11.39% of U.S. consumers.
What factors RAISE you PLUS Score:
● Credit cards are considered "maxed-out" when you have spent 90% or more of the credit limit. Lenders view you as someone who uses their credit responsibly and spends only what they can afford.
● Credit Cards allow you to both spend money and decrease debt; unlike mortgages or installment loans where you only decrease debt. Lenders like to see multiple credit cards on your credit report, because they are able to use them to better determine your ability to manage your spending.
● 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 you PLUS Score:
● Missing payments is the most damaging thing you can do to your credit. The purpose of a credit score is to help lenders predict whether or not you will miss payments in the future, so even a single missed payment can significantly lower your score.
● You have spent more than half of the credit that has been extended to you, and lenders see this as a sign of irresponsible credit behavior. Ideally, you would pay off your balances every month or at least keep your credit-to-debt ratio under 15%.
● Lenders understand that it is much easier to manage a small amount of credit vs. a large amount of credit. Your relatively low credit limits signal to lenders that you have not had experience managing large amounts of credit, which makes them worried about extending more credit to you.
● 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.
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CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.
566 548 521
Very Poor
Your EquiFax PLUS Score ExplanationPercentile: Your credit rating ranks higher than 6.27% of U.S. consumers.
What factors RAISE you PLUS Score:
● Credit cards are considered "maxed-out" when you have spent 90% or more of the credit limit. Lenders view you as someone who uses their credit responsibly and spends only what they can afford.
● Credit Cards allow you to both spend money and decrease debt; unlike mortgages or installment loans where you only decrease debt. Lenders like to see multiple credit cards on your credit report, because they are able to use them to better determine your ability to manage your spending.
● 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 you PLUS Score:
● Missing payments is the most damaging thing you can do to your credit. The purpose of a credit score is to help lenders predict whether or not you will miss payments in the future, so even a single missed payment can significantly lower your score.
● You have spent more than half of the credit that has been extended to you, and lenders see this as a sign of irresponsible credit behavior. Ideally, you would pay off your balances every month or at least keep your credit-to-debt ratio under 15%.
● Lenders understand that it is much easier to manage a small amount of credit vs. a large amount of credit. Your relatively low credit limits signal to lenders that you have not had experience managing large amounts of credit, which makes them worried about extending more credit to you.
● 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.
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 2 of 3
CHAD M MCQUARRIEReport As Of: 7/9/2012
Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.
566 548 521
Very Poor
Your TransUnion PLUS Score ExplanationPercentile: Your credit rating ranks higher than 2.26% of U.S. consumers.
What factors RAISE you PLUS Score:
● Credit cards are considered "maxed-out" when you have spent 90% or more of the credit limit. Lenders view you as someone who uses their credit responsibly and spends only what they can afford.
● Credit Cards allow you to both spend money and decrease debt; unlike mortgages or installment loans where you only decrease debt. Lenders like to see multiple credit cards on your credit report, because they are able to use them to better determine your ability to manage your spending.
● 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 you PLUS Score:
● Missing payments is the most damaging thing you can do to your credit. The purpose of a credit score is to help lenders predict whether or not you will miss payments in the future, so even a single missed payment can significantly lower your score.
● While a short credit history does not mean that you have been irresponsible with your credit, it does make it more difficult for lenders to be confident in your ability to make future payments because you have not stood the test of time.
● You have spent more than half of the credit that has been extended to you, and lenders see this as a sign of irresponsible credit behavior. Ideally, you would pay off your balances every month or at least keep your credit-to-debt ratio under 15%.
● Lenders understand that it is much easier to manage a small amount of credit vs. a large amount of credit. Your relatively low credit limits signal to lenders that you have not had experience managing large amounts of credit, which makes them worried about extending more credit to you.
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 3 of 3