Product sheet

Credit Profile Report

Precise data. Unsurpassed file coverage.

You can’t make the best decisions if you don’t have the best information. That’s where we come in.
With Experian’s Credit Profile Report, you get everything you need to deliver the most profitable
results. Accurate, current, complete data — and the peace of mind that comes with it.

Unparalleled accuracy. Superior data quality. • Easy to read — Our format groups similar data
Comprehensive profile information on more than elements together for faster analysis.
220 million credit-active consumers. Experian’s • Flexible — You can choose your display format.
Credit Profile Report gives you what you need to:
Our industry leading match logic ensures more complete
• Acquire new business — Make decisions about new
files and more accurate hit rates, saving you time and
customers and new accounts quickly and accurately.
money by eliminating multiple inquiries and manual
• Manage customers — Monitor, evaluate and searches for data. Take a look at a sample Credit Profile
make decisions based on real-time updates to Report on the following pages.
customer profiles.
• Maximize collections — Identify potential fraud and Credit Profile Report
take action where your recovery chances are greatest. Files on nearly 220 million credit-active consumers
nationwide are maintained in the Experian database. Your
Harness the power of File OneSM inquiry initiates a search of this database that produces
With Credit Profile Report, you gain unique access to an applicant’s credit history — the Credit Profile Report.
the data from Experian’s File OneSM — the most An illustration and description of a sample Profile Report
comprehensive nationwide credit database available. follows.
• Complete — File One holds current credit information
on more than 220 million credit-active consumers.
• Accurate — High-integrity, current information.
 Product sheet
Credit Profile Report

Inquiry Sample
TCA1
RTS 3122250X1J CONSUMER,JONATHAN QUINCY 999999990;
CONSUMER,NANCY CHRISTINE 123456789;
CA-10665 NORTH BIRCH STREET/BURBANK CA 91502, PH-714.555.1111, DL-CA 9876543;
PA-1314 SOPHIA LANE APT #3/SANTA ANA CA 92708-5678, Y-1976, T-04048060;
E-AJAX HARDWARE/2035 BROADWAY SUITE 300/LOS ANGELES CA 90019

Credit Profile Report

A TCA1

RTS1234567ABC CONSUMER,JONATHAN
A
a QUINCY 999999990;
b c

CONSUMER,NANCY CHRISTINE 123456789; d

CA-10665 NORTH BIRCH STREET/BURBANK CA 91502, e PH-714.555.1111, f DL-CA 9876543; g

PA-1314 SOPHIA LANE APT #3/SANTA ANA CA 92708-5678, h Y-1976, i T-04048060; j

E-AJAX HARDWARE/2035 BROADWAY SUITE 300/LOS ANGELES CA 90019 k

CONSUMER, JONATHAN QUINCY 999999990;CA-10665 NORTH BIRCH STREET/BURBANK CA 91502
CONSUMER, JONATHAN QUINCY 999999990;CA-10665 NORTH BIRCH STREET/BURBANK CA 91502

PAGE 1 DATE 5-03-2017 TIME 13:14:37 V501 TCA1

PAGE 1 DATE 5-03-2017 TIME 13:14:37 V501 TCA1 1

2 JONATHAN QUINCY CONSUMER 6 SS: 999-99-9990 8 E: AJAX HARDWARE

10655
JONATHAN N BIRCH
QUINCYSTCONSUMER SS: 234-56-7891*
999-99-9990 2035 BROADWAY
E: AJAX SUITE 300
HARDWARE
BURBANK
10655 N CA 91502-1234
BIRCH ST 123-45-6789*
234-56-7891* LOS
2035ANGELES
BROADWAY CASUITE
90019300
RPTD: 4-10
BURBANK TO 1-16 U 3X
CA 91502-1234 7 DOB:123-45-6789*
4/29/1976 RPTD:
LOS 6-15 I
ANGELES CA 90019
LAST
RPTD:SUB: 4-101220855
TO 1-16 U3 3X DOB: 4/29/1976 RPTD: 6-15 I
LAST SUB: 1220855 9 E: BELL AUTOMOTIVE
B 4 1314 SOPHIA LN APT 3 111BELL
E: MAINAUTOMOTIVE
STREET
SANTA
1314 SOPHIAANA CALN92708-5678
APT 3 BURBANK
111 MAINCA 91503
STREET
RPTD: ANA
SANTA 1-07CA
U 92708-5678
1X RPTD:
BURBANK5-06
CA TO 11-13 I
91503
RPTD: 1-07 U 1X RPTD: 5-06 TO 11-13 I
5 *2600 BOWSER ST #312
LOS ANGELES
*2600 BOWSER CAST 90017-9876
#312
RPTD:
LOS ANGELES9-05 ICA 90017-9876
RPTD: 9-05 I
10 *JACK CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR
*JACK CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR
-------------------------------- DEMOGRAPHICS ---------------------------------
C PH: 818.555.1111 UR
-------------------------------- PH:DEMOGRAPHICS
706.555.9876---------------------------------
IB PH: 213.555.1234 UB
GEO: 35 123 456789
PH: 818.555.1111 UR0 1234 PH: 706.555.9876 IB PH: 213.555.1234 UB
GEO: 35 123 456789 0 1234
--------------------------- FRAUD SHIELD SUMMARY -----------------------------
INPUT SSN RECORDED AS DECEASED
--------------------------- INQ: PHONE
FRAUD SHIELD SUMMARY ANSWERING SERVICE:
-----------------------------
Page 2 | Product sheet
DOB: 4-29-1976
INPUT DOD:AS
SSN RECORDED 3-30-2014
DECEASED ABC ANSWER-ALL
INQ: PHONE ANSWERING SERVICE:
INPUT SSN ISSUED
DOB: 1-10-1976 1975-1976
DOD: 3-30-2014 10655
ABC N BIRCH ST
ANSWER-ALL
TELEPHONE
INPUT NUMBER 1975-1976
SSN ISSUED INCONSISTENT W/ADDRESS BURBANK
10655 N CA 91502
BIRCH ST
FROM 12-01-15 INQ COUNT FOR SSN=5 818.555.1212
 Product sheet
Credit Profile Report

Inquiry (A) 3.  Last subscriber reporting the consumer at his or her

a. Subscriber number and password. current address.
b. Consumer’s name. 4.  Consumer’s previous addresses (up to 2) with source,
c. Social Security number (SSN). in order by reliability of source.
d. Spouse’s name and SSN.
5.  A
 n asterisk preceding any address indicates the
e. Current address.
address did not match inquiry address.
f. Telephone number.
g. Driver’s license number. 6.  Consumer’s Social Security number and other Social
h. Previous address. Security numbers reported on the consumer’s file, in
i. Year of birth. descending order based on number of occurrences
j. Type of terms and amount. reported; asterisk denotes any SSN not matching
k. Employment. inquiry input SSN.
7. Consumer’s year of birth or date of birth.
Reminder: To ensure compliance with the Fair Credit
Reporting Act, reasonable care should be taken to input 8. E
 mployer’s name and address, including time frame
accurate identification belonging to the consumer when reported and source.
requesting services. U = Update tape.
I = Inquiry.
Consumer Identifying Information (B) 9.  P
 revious employer’s name and address, with time
1.  A code that identifies the Experian or credit reporting frame reported and source.
agency office nearest to the consumer’s current 10. Alternate names such as different, previous surnames
address. Used for consumer referrals. or nicknames associated with the consumer’s file.
2.  C
 onsumer’s name and address, including time frame
reported, source and number of subscribers reporting Demographics (C)
the address. Demographics contains the consumer’s telephone
U = Update tape number (including source and phone type):
I = Inquiry R = Residential.
M = Manual data C = Cellular.
P = PDS — Experian’s proprietary data source P = Pager.
Also includes GEO code of the current address.

Product sheet | Page 3

 LOS ANGELES
*2600 BOWSER CA
ST 90017-9876
#312
LOS ANGELES CA 90017-9876
RPTD: 9-05 I CA 90017-9876
LOS ANGELES
RPTD: 9-05 I
RPTD: 9-05 I
*JACK CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR
*JACK
Product sheet CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR
*JACK CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR
Credit Profile Report
-------------------------------- DEMOGRAPHICS ---------------------------------
-------------------------------- DEMOGRAPHICS ---------------------------------
PH: 818.555.1111 UR
--------------------------------PH: DEMOGRAPHICS
706.555.9876 ---------------------------------
IB PH: 213.555.1234 UB
PH: 818.555.1111 UR PH: 706.555.9876 IB PH: 213.555.1234 UB
GEO: 35 123 456789UR0 1234
PH: 818.555.1111 PH: 706.555.9876 IB PH: 213.555.1234 UB
GEO: 35 123 456789 0 1234 Credit Profile Report (continued)
GEO: 35 123 456789 0 1234
--------------------------- FRAUD SHIELD SUMMARY -----------------------------
--------------------------- FRAUD SHIELD SUMMARY -----------------------------
INPUT SSN RECORDED AS DECEASED
--------------------------- INQ: PHONE
FRAUD SHIELD SUMMARY ANSWERING SERVICE:
-----------------------------
INPUT SSN RECORDED AS DECEASED INQ: PHONE ANSWERING SERVICE:
DOB:
INPUT4-29-1976 DOD: AS
SSN RECORDED 3-30-2014
DECEASED INQ: ABC ANSWER-ALL
PHONE ANSWERING SERVICE:
DOB: 4-29-1976 DOD: 3-30-2014 ABC ANSWER-ALL
INPUT SSN ISSUEDDOD:
DOB: 1-10-1976 1975-1976
3-30-2014 10655 N BIRCH ST
ABC ANSWER-ALL
INPUT SSN ISSUED 1975-1976 10655 N BIRCH ST
TELEPHONE
INPUT SSN NUMBER
ISSUED INCONSISTENT
1975-1976 W/ADDRESS BURBANK
10655 N CA 91502
BIRCH ST
TELEPHONE NUMBER INCONSISTENT W/ADDRESS BURBANK CA 91502
FROM 12-01-15
TELEPHONE INQ INCONSISTENT
NUMBER COUNT FOR SSN=5 W/ADDRESS 818.555.1212
BURBANK CA 91502
D FROM 12-01-15 INQ COUNT FOR SSN=5 818.555.1212
FROM
FROM 12-01-15
12-01-15 INQ
INQ COUNT
COUNT FOR
FOR ADDRESS=15
SSN=5 818.555.1212
FROM 12-01-15 INQ COUNT FOR ADDRESS=15
FROM 12-01-15 INQ COUNT FOR ADDRESS=15 FILE: COMMERCIAL BUSINESS ADDRESS:
FILE: COMMERCIAL BUSINESS ADDRESS:
FILE: J&J INVESTMENTS
COMMERCIAL BUSINESS ADDRESS:
J&J INVESTMENTS
2600 BOWSER STREET #312
J&J INVESTMENTS
2600 BOWSER STREET #312
LOS
2600ANGELES
BOWSER CA 90017#312
STREET
LOS ANGELES CA 90017
213.555.2222
LOS ANGELES CA 90017
213.555.2222
213.555.2222
------------------------------ PROFILE SUMMARY -------------------------------
------------------------------ PROFILE SUMMARY -------------------------------
CNT 05/03/05/23
------------------------------ PROFILE SUMMARY -------------------------------
CNT 05/03/05/23
PUBLIC RECORDS-------3 PAST DUE AMT----$3,644 INQUIRIES---3 SATIS ACCTS---6
CNT 05/03/05/23
E PUBLIC RECORDS-------3 PAST DUE AMT----$3,644 INQUIRIES---3 SATIS ACCTS---6
INSTALL BAL----$27,750 SCH/EST
PUBLIC RECORDS-------3 PAST DUEPAY-----$1,327
AMT----$3,644 INQS/6 MO---3 NOW
INQUIRIES---3 DEL/DRG---2
SATIS ACCTS---6
INSTALL BAL----$27,750 SCH/EST PAY-----$1,327 INQS/6 MO---3 NOW DEL/DRG---2
RINSTALL
ESTATE BAL----$27,750
BAL--$263,551 RSCH/EST
ESTATE PAY-----$1,327
PAY----$1,887 TRADELINE--10
INQS/6 MO---3 WASNOW DEL/DRG---2
DEL/DRG---2
R ESTATE BAL--$263,551 R ESTATE PAY----$1,887 TRADELINE--10 WAS DEL/DRG---2
REVOLVNG
R ESTATE BAL----$2,123
BAL--$263,551 REVOLVNG
R ESTATE AVAIL-----77%
PAY----$1,887 PAID ACCT---1 OLD
TRADELINE--10 WAS TRADE-12-99
DEL/DRG---2
REVOLVNG BAL----$2,123 REVOLVNG AVAIL-----77% PAID ACCT---1 OLD TRADE-12-99
REVOLVNG BAL----$2,123 REVOLVNG AVAIL-----77% PAID ACCT---1 OLD TRADE-12-99
------------------------------- SCORE SUMMARY --------------------------------
------------------------------- SCORE SUMMARY --------------------------------
F VANTAGESCORE
------------------------------- SCORE = SUMMARY
611 SCORE FACTORS: 91, 50, 12, 31
--------------------------------
VANTAGESCORE = 611 SCORE FACTORS: 91, 50, 12, 31
RSC BANKRUPTCY PLUS
VANTAGESCORE == 320
611 SCORE
SCORE FACTORS:
FACTORS: 84,
91, 60,
50, 91,
12, 57
31
RSC BANKRUPTCY PLUS = 320 SCORE FACTORS: 84, 60, 91, 57
RSC BANKRUPTCY PLUS = 320 SCORE FACTORS: 84, 60, 91, 57
------------------------------ 12 PUBLIC RECORDS --------------------------------
14
12
------------------------------ PUBLIC RECORDS --------------------------------
*SO CALIF DISTRICT COURT 6-21-13
------------------------------ 7-01-14
PUBLIC RECORDS3011111 $12,450 CO LIEN REL
--------------------------------
*SO CALIF DISTRICT COURT 6-21-13 7-01-14 3011111 $12,450 CO LIEN REL
11 *SO
C#: CALIF
45078321
DISTRICT COURT 1
6-21-13 BP: B476P21093011111 15 $12,450 16 CO LIEN REL
13 7-01-14
C#: 45078321 1 BP: B476P2109
17 C#: 45078321 18 1 BP: B476P2109 19

G *COUNTY SPR CT SANTA ANA 9-19-15 3019999 $1,200 CIV CL JUDG

D#: 7505853 1 PLAINTIFF: ALLIED COMPANY 20
BP: B1234P50987 21
12 22
12

*U S BANKRUPTCY COURT 6-12-10 1-15-11 3009999 $129,803-L BK 7-PETIT

D#: 35054539906234561 2 $85,500-A VOLUN

----------------------------------- TRADES -----------------------------------

SUBSCRIBER OPEN AMT-TYP1 AMT-TYP2 ACCTCOND PYMT STATUS
SUB# KOB TYP TRM ECOA BALDATE BALANCE PYMT LEVEL MOS REV PYMT HISTORY
LAST PD MONTH PAY PAST DUE MAXIMUM BY MONTH

H *CREDIT AND COLLECTION 10-13 $1,590-O COLLACCT

3980999 YC UNK UNK 2 2-25-16 $1,590 11-13 (28) GGGG-GGGGG-GG
98E543182136 11-13/G GGGGGGGG-G--
ORIGINAL CREDITOR: MEDICAL PAYMENT DATA a
23 **ACCOUNT INFORMATION DISPUTED BY CONSUMER**
**DEBT BEING PAID THROUGH INSURANCE** 24

*ISLAND SAVINGS 3-13 $500-L $775-H PAID CUR WAS 30

1211248
Page 4 | Product sheet BC CRC REV 2 4-20-15 4-15 (26) BCCCCCCCCCCCC
405855254820 4-15 CCC1CCCCCCCC
**ACCOUNT CLOSED AT CONSUMER'S REQUEST**
 Product sheet
Credit Profile Report

Fraud ShieldSM Summary (D) 23. Compliance condition code reported by a subscriber
Fraud Shield Summary contains messages related
SM to distinguish accounts that are “Closed by Consumer”
to the Fraud Shield fraud prevention services. and/or “Disputed Accounts.”
24. Special comments reported by a subscriber to
Profile Summary (E) distinguish accounts that may require special handling.
Profile Summary contains 17 significant calculations 25. “D” indicates the terms of the loan have been deferred
from the Credit Profile Report. to a future date.
c. M
 ortgage Identification Number (MIN) for mortgage
Score Summary (F)
tradelines.
Risk model scores are generated if you use Experian’s
credit risk models. 26. An asterisk preceding public record information
or a tradeline indicates that information may need
Public Records (G) further review.
Public record information consists of bankruptcies, 27. Reporting subscriber’s name.
liens and civil actions against a consumer.
28. Reporting subscriber’s number.
11. Reporting court’s name.
29. K
 OB (Kind of Business) code describes a subscriber’s
12. Original filing date with court. business. The first letter designates an industry, the
13. Status date if status is satisfied, released, vacated, second more narrowly defines a subscriber’s business.
discharged or dismissed. 30. Type of account.
14. Reporting court’s subscriber number. 31. Terms of account.
 mount of public record.
15. A  ode describing consumer’s association to the account
32. C
16. Type of public record. per the Equal Credit Opportunity Act.

17. Certificate ID or docket number. 33. Consumer’s account number.

18. Code describing the consumer’s association to the 34. Date the account was opened.
public record item per the Equal Credit Opportunity Act. 35. B
 alance date is the date of the subscriber’s reported
19. B
 ook and page number. update on account.

20. Plaintiff’s name. 36. Date of consumer’s last payment on the account.

21. Liability and asset amounts for bankruptcies only. 37. Amount of the loan or credit established.

22. Voluntary indicator only; may display as VOLUN if 38. Indicates if the amount is an original loan (O),
consumer voluntarily dismissed bankruptcy. credit limit (L), high balance (H), initial charge-off
(C) or unknown (blank).
Trades (H) (continued on next page with sample report) 39. Current balance on the account.
Any or all of the following information may appear if 40. P
 ayment amount the consumer is scheduled to pay on
provided by a subscriber: the account.
a. Original credit grantor name for third-party collection 41. Payment level date is the current status date.
agency tradelines.
42. The amount past due for the account.
b. Balloon payment information (date and amount) or
43. The account condition indicates the current condition
deferred payment start date for deferred loans.
of account.

Product sheet | Page 5

 405855254820
3980999 YC
YC UNK
UNK UNK
3980999SAVINGS UNK 2 4-15
2 2-25-16
2-25-16 $1,590
$1,590 11-13
11-13 (28) CCC1CCCCCCCC
(28) GGGG-GGGGG-GG
GGGG-GGGGG-GG
*ISLAND
**ACCOUNT CLOSED AT 3-13REQUEST**
CONSUMER'S $500-L $775-H PAID CUR WAS 30
98E543182136
98E543182136 11-13/G
11-13/G GGGGGGGG-G--
GGGGGGGG-G--
1211248 BC CRC REV 2 4-20-15 4-15 (26) BCCCCCCCCCCCC
ORIGINAL
ORIGINAL CREDITOR:
CREDITOR: MEDICAL
MEDICAL4-15PAYMENT
PAYMENT DATA
DATA
405855254820
HEMLOCKS 2-15 $2,000-L OPEN CCC1CCCCCCCC
CURR ACCT
**ACCOUNT INFORMATION
**ACCOUNT INFORMATION DISPUTED
DISPUTED BYBY CONSUMER**
CONSUMER**
**ACCOUNT
Product 2313849
sheet DVCLOSED
ISC AT CONSUMER'S
024-D 3 6-10-16 REQUEST**
$2,000 2-15 (17) NNNNNNNNNNNNN
**DEBT
**DEBT BEING
BEING PAID
PAID THROUGH
THROUGH INSURANCE**
INSURANCE**
8285103111261
CreditHEMLOCKS
Profile Report NNNN
DEFERRED PAYMENT START DATE; 2-15 $2,000-L
03/01/2017 OPEN CURR ACCT
*ISLAND
*ISLAND SAVINGS 3-13 $500-L $775-H PAID CUR
CUR WAS
WAS 30
2313849SAVINGS
DV ISC 024-D 3 6-10-16 3-13 $500-L
$2,000 $775-H
2-15 PAID 30
(17) NNNNNNNNNNNNN
1211248
1211248 BC
BC CRC
CRC REV
REV 2
2 4-20-15
4-20-15 4-15
4-15 (26) BCCCCCCCCCCCC
(26) BCCCCCCCCCCCC
8285103111261
*CENTRAL BANK 9-16 Profile
$21,424-O NNNN
OPEN CCC1CCCCCCCC
DELINQ 30
405855254820
405855254820 4-15
Credit
4-15 Report (continued) CCC1CCCCCCCC
DEFERREDBI
1132912 PAYMENT
AUT START
59 1 DATE; 03/01/2017
2-28-17 $19,814 2-17 ( 6) 1CCCCC
**ACCOUNT CLOSED AT CONSUMER'S
**ACCOUNT CLOSED AT CONSUMER'S REQUEST**REQUEST**
23802654388 25
12 $400 $400
*CENTRAL
HEMLOCKS BANK 9-16
2-15 $21,424-O
$2,000-L OPEN
OPEN DELINQ 30
CURR
HEMLOCKS
1132912 BI AUT 59 1 2-15
2-28-17 $2,000-L
$19,814 2-17 OPEN
( 6) CURR ACCT
1CCCCC ACCT
*MOUNTAIN
2313849
2313849 BANK
DV
DV ISC
ISC 024-D
024-D 3
3 10-12
6-10-16
6-10-16 $43,337-O
$2,000
$2,000 2-15
2-15 OPEN
(17)
(17) 60 4+ TIMES
NNNNNNNNNNNNN
NNNNNNNNNNNNN
23802654388
1119999 BI SEC 60 2 4-06-16 $400
$4,346 $400
4-16 (42) 21-1C1C111CC2
8285103111261
8285103111261 NNNN
NNNN
b 3562A019732534
DEFERRED PAYMENT
PAYMENT START
DEFERRED BANK START DATE; 2-16
DATE; 03/01/2017
03/01/2017 $827 $1,654 11-13/1 2211CC211111
*MOUNTAIN 10-12 $43,337-O OPEN 60 4+ TIMES
1119999
*BAY BI SEC 60
COMPANY 2 4-06-16
6-05 $4,346
$1,730-L 4-16
$2,437-H (42)
BK7PET 21-1C1C111CC2
CHARGOFF
*CENTRAL
*CENTRAL BANK
BANK 9-16
9-16 $21,424-O
$21,424-O OPEN
OPEN DELINQ
DELINQ 30
30
3562A019732534
2390446 2-16 $827 $1,654 11-13/1 2211CC211111
1132912 DC
1132912 BI CHG
BI AUT REV
AUT 59
59 1
1 7-07-10
2-28-17
2-28-17 $0
$19,814
$19,814 7-10
2-17
2-17 (62)
( 6)
( 6) 9LL665432121C
1CCCCC
1CCCCC
525556601
23802654388
23802654388 10-09 $400
$400 38 $400
$400 43 CCCCCCCCCCCC
34 37
26 *BAY COMPANY 6-05 $1,730-L $2,437-H BK7PET CHARGOFF
2390446 DCCREDIT
CHG 27
REV 32
1 7-07-10 $0 41
7-10 (62) 9LL665432121C
EMPLOYEES
*MOUNTAIN
*MOUNTAIN BANK
BANK UNION 6-12
10-12
10-12 $12,500-L
$43,337-O
$43,337-O $10,659-H OPEN
OPEN 60CURR
60 4+ ACCT
4+ TIMES
TIMES
525556601
28 1220855 10-09 CCCCCCCCCCCC
1119999 BC
1119999 BI CRC
BI SEC REV
SEC 60
60 2
2 3-24-16
4-06-16
4-06-16 35 $4,346 $0 39
$4,346 3-16
4-16
4-16 44 (46)
(42)
(42) 0CCCCCCCCCCCC
21-1C1C111CC2
21-1C1C111CC2
H 33 5396258022578
3562A019732534
3562A019732534 36 10-15
2-16
2-16 $827
40 $827 $1,654 45
42 $1,654 11-13/1
11-13/1 CCCCCCCCCCCC
2211CC211111
2211CC211111
EMPLOYEES29 CREDIT
30 UNION
31 6-12 $12,500-L $10,659-H OPEN CURR ACCT
1220855 BC
HOMECOMPANY CRC
FINANCIAL REV 2 3-24-16
7-12 $0 3-16 (46) 0CCCCCCCCCCCC
*BAY
*BAY COMPANY
5396258022578 6-05 $275,000-O
6-05
10-15
$1,730-L
$1,730-L $2,437-H
$2,437-H OPEN
BK7PET
BK7PET 46 CURR ACCT
CHARGOFF
CHARGOFF
CCCCCCCCCCCC
5935250
2390446 FM
2390446 DC R/E
DC CHG 30Y
CHG REV
REV 2
1 1-31-16
1 7-07-10 $263,551
7-07-10 $0
$0 1-16
7-10
7-10 (38)
(62)
(62) C-CC-CCCCCCCC
9LL665432121C
9LL665432121C
24000098500012
525556601
525556601 1-16
10-09
10-09 $1,887 CCCCCCCCCCCC
CCCCCCCCCCCC
c HOME 123456789012345678
MIN: FINANCIAL 7-12 $275,000-O OPEN CURR ACCT
5935250 FM R/E 30Y 2 1-31-16 $263,551 1-16 (38) C-CC-CCCCCCCC
EMPLOYEES
EMPLOYEES CREDIT
CREDIT UNION
UNION 6-12
6-12 $12,500-L
$12,500-L $10,659-H
$10,659-H 48 OPEN
OPEN CURR
CURR ACCT
ACCT
24000098500012
STATE BANK 1-16
12-99 $1,887
$15,000-L $8,479-H OPEN CCCCCCCCCCCC
CURR ACCT
1220855
1220855 BC
BC CRC
CRC REV
REV 2
2 3-24-16
3-24-16 $0
$0 3-16
3-16 (46)
(46) 0CCCCCCCCCCCC
0CCCCCCCCCCCC
MIN: 123456789012345678
1299987 BC CRC REV 1 2-27-16 $2,123 2-16 (50) CCCCCCCCCCCCC
5396258022578
5396258022578 10-15
10-15 47 CCCCCCCCCCCC
CCCCCCCCCCCC
4271008232 2-16 $100-A CCCCC000CCCC
STATE BANKPORTFOLIO FROM: SOUTHWEST
PURCHASED 12-99 $15,000-L
BANK $8,479-H OPEN CURR ACCT
HOME
HOME FINANCIAL
FINANCIAL 7-12
7-12 $275,000-O
$275,000-O OPEN
OPEN CURR
CURR ACCT
ACCT
1299987 BC CRC
ABC UTILITY REV
COMPANY 1 2-27-16 $2,123
4-17 $263,551 UNK 2-16 (50)
OPEN CCCCCCCCCCCCC
CURR ACCT
5935250
5935250 FM
FM R/E
R/E 30Y
30Y 2
2 1-31-16
1-31-16 $263,551 1-16
1-16 (38)
(38) C-CC-CCCCCCCC
C-CC-CCCCCCCC
4271008232
3591234 UT UTI 1 2-16
1 3-19-17 $100-A 49 3-17 ( 1) CCCCC000CCCC
CCCCCCCCCCCCC
24000098500012
24000098500012 1-16
1-16 $1,887
$1,887 CCCCCCCCCCCC
d PURCHASED
268A3B86C8 PORTFOLIO FROM: SOUTHWEST
3-17 BANK
MIN: 123456789012345678
MIN: 123456789012345678

---------------------------------
STATE INQUIRIES ----------------------------------
STATE BANK
BANK 12-99
12-99 $15,000-L
$15,000-L $8,479-H
$8,479-H OPEN
OPEN CURR
CURR ACCT
ACCT
I HEMLOCKS
1299987 BC CRC REV 1 01-05-17
2-27-16 2313849
$2,123 DC 2-16 (50) CCCCCCCCCCCCC
1299987 BC CRC REV 1 2-27-16 $2,123 2-16 (50) CCCCCCCCCCCCC
BAY COMPANY
4271008232 12-03-16
2-16 2390446 DC
$100-A $1,500 CHG REV CCCCC000CCCC
4271008232 2-16 $100-A CCCCC000CCCC
HILLSIDE BANK
PURCHASED PORTFOLIO 10-21-16
FROM: 2240679
SOUTHWEST BANK BC
PURCHASED PORTFOLIO FROM: SOUTHWEST BANK

--------------------------------- MESSAGES -----------------------------------

*CONSUMER STATEMENT* 06& 01-20-2017
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
J PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY 555-555-5555 OR
EVENING 555-555-5555. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS
BEGINNING 01-20-24.

CONSUMER ASSISTANCE CONTACT: EXPERIAN 50

701 EXPERIAN PARKWAY, PO BOX 2002, ALLEN, TX 75013 888.397.3742

END -- EXPERIAN

Page 6 | Product sheet

 Product sheet
Credit Profile Report

44. M
 onths reviewed indicates the total number of months 48 Two amounts may display. Indicates the account has a
history has been maintained for the account. $12,500 (L)imit and the (H)ighest balance was $10,659.
45. M
 aximum delinquency and payment code represent 49 A
 ctual monthly payment is indicated by the “-A” directly
the worst delinquency that occurred outside of the after the monthly payment amount; represents the
payment grid. actual payment amount received by the lender for
46. Payment status comments reflect the payment history that reporting period.
of the account as of the balance date. Scheduled monthly payment is implied if there is no
“-A”. This amount represents the scheduled monthly
47. Consumer’s payment history during the past 25 months payment amount as reported by the lender for that
beginning with the month represented by the balance reporting period.
date. The codes reflect the status of the account for
each month and are displayed for balance reporting d. Portfolio “Sold To:” or “Purchased From:” name.
subscribers only:
Inquiries (I)
C Current.
Inquiries indicate that a Credit Profile Report was received
N C
 urrent account/Zero balance — no update tape on that date by the subscriber listed. Inquiring subscriber
received for this trade. name, number and KOB are shown. Type, terms and amount
0 Current account/Zero balance — reported on may display and are from the subscriber’s inquiry input.
update tape.
1 30 days past the due date.
Messages (J)
The Messages section may include general consumer
2 60 days past the due date. statements and informational or other special messages.
3 90 days past the due date. Consumer statements relating to a tradeline or public
record item appear directly after the item.
4 120 days past the due date.
50 Name, address and telephone number of Experian’s
5 150 days past the due date.
consumer assistance office or credit reporting agency
6 180 days past the due date. nearest to the consumer’s current address. Use for
7 Chapter 13 Bankruptcy (Petitioned, Discharged, consumer referrals. Display is elective; contact your
Reaffirmation of debt rescinded). Experian sales representative.
8 Foreclosure proceeding, deed in lieu.
9 Chapter 7, 11 or 12 Bankruptcy (Petitioned, Discharged,
Reaffirmation of debt rescinded).
G Collection H Foreclosure.
J Voluntary surrender K Repossession.
L Charge-off.
B Account condition change, payment code not applicable.
- (dash) No history reported for that month.
Blank No history maintained; see payment status comment

Product sheet | Page 7

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