EFTA01265460.pdf

Credit Profile Report Unsurpassed data precision
and file coverage
• •• •
S...
er• ExperIan'
• • •
. t . Li. , I t, 'tir „;iris
unparalleled accuracy arid superior data quality
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Experian's Credit Profile Report gives Easy to read - Our format groups
you the accurate, current and complete similar data elements together for
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and new accounts with speed
and accuracy Current and relevant credit
information
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evaluate and make decisions based Higher hit ratios and more
on changes in the customer profile complete files
as they occur
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Maximize collections - Detect examines many variables
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following pages.
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SONY_GM_00004661
EFTA 00118734
EFTA01265460

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• •• •
Inquiry sample
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CONSUMER.NANCY CHRISTINE
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Credit Profile Report txperian
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CONSUMER.NANCY CHRISTINE
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SDNY_GM_00004662
EFTA_00 I 18735
EFTA01265461

• .. •
• Expenan-
• • •
TCA1 RTS CONSUMER,JONATHAN QUINC
STREET/BURBANK CA 91502
l
;i1010. PAGE 1 DATE 3-28-2006 TIME 11 :19:5 6 V001 TCA1 )
JONATHAN QUINCY CONSUMER® SS:
BELL AUTOMOTI
®
*JACK CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR
Consumer identifying information 3 Last subscriber reporting 7 Consumer's year of birth or date
the consumer at his or her of birth.
1 A code that identifies the current address.
Experian or credit reporting 8 Employer's name and address,
agency office nearest to the 4 Consumer's previous addresses including time frame reported
consumer's current address. Used with source. in order by reliability and source.
for consumer referrals. of source. U = Update tape
I = Inquiry
2 Consumer's name and address, 5 An asterisk preceding any address
including time frame reported. indicates the address did not match 9 Previous employer's name and
source and number of subscribers inquiry address. address, with time frame reported
reporting the address. 6 Consumer's Social Security and source.
U = Update tape number and other Social 10 Alternate names such as different.
I = Inquiry Security numbers reported on previous surnames or nicknames
M = Manual data the consumer's file, in descending associated with the consumer's file.
P= PDS — Expenan's order based on number of
proprietary data source occurrences reported; asterisk
denotes any social not matching
inquiry input social.
SDNY_GM_00004663
EFTA_00 I 18736
EFTA01265462

PH:
GE(
FRAUD SHIELD SUMMARY
INP
DOB:
INP
TELE
FROM
FROM
CNT 05/03/05/23
PUBLIC RECORDS 3 PAST DUE AMT--$3,644 INQUIRIES--3 SATIS ACCTS---6
INSTALL BAL--$27,750 SCH/EST PAY---$1,327 INQS/6 MO--3 NOW DEL/DRG---2
R ESTATE BAL-$263,551 R ESTATE PAY--$1,887 TRADELINE-10 WAS DEL/DRG---2
REVOLVNG BAL--$2,123 REVOLVNG AVAIL---77% PAID ACCT--1 OLD TRADE-12-89
Ik
SCORE SUMMARY
ANTAGESCORE = 611 SCORE FACTORS: 91, 50, 12, 31
SCOREX PLUS NEW ACCT = 518 SCORE FACTORS: 61, 63, 40, 56
BANKRUPTCY PLUS = 1040 SCORE FACTORS: 39, 48, 90, 34
0
Demographics FmudShieleSummary 10. Score Summary
O
P. Profile Summary
SDNY_GM_00004664
EFTA _00118737
EFTA01265463

*SO CALIF DISTRICT CO $12,450 CO LIEN REL
0
*COUNTY CPR CT SANTA ANA 9 -1 - 7n1 999 $1,200 CIV CL JUDG
D#: .NAINTIFF: ALLIED COMPANY
*U S VYSLX LUU 6 - IL -UV 1 -11-X0' 5999 $129,803-L BK 7-PETIT
Oft : $85,500-A VOLUN
©SUBSCRIBER
OPEN AMT-TYP1 AMT-TYP2 ACCTCOND PYMT STATUS
SUB# KOB TYP TAM ECOA BALDATE BALANCE PYMT LEVEL MOS REV PYMT HISTORY
ACCOUNT # LAST PD MONTH PAY PAST DUE MAXIMUM BY MONTH
*CREDIT AND COLLECTION 10-03 $1,590-0 COLLACCT
12-25-06 $1,590 11-03 (28) GGGG-GGGGG-GG
$1,590 11-03/G GGGGGGGG-G--
AL PAYMENT DATA
-O
UTED BY CONSUMER**
H INSURANCE**
'ISLAND SAVINGS 3-03 $500-L $775-H PAID CUR WAS 30
4-20-05 4-05 (26) BCCCCCCCCCCCC
4-05 CCC1CCCCCCCC
:ONSUMER'S REQUEST**
25
HEMLOCKS 2-05 $2,000-L OPEN CURR ACCT
6-10-06 $2,000 2-05 (17) NININNNNITNNNNNN
MINN
ATE: 03/01/2007
O
N. Public records 19 Book and page number. 23 Compliance condition code
reported by a subscriber to
20 Plaintiff's name.
distinguish accounts that are
k uptc res. Lein 4/1(1 Civil LIctturi, 21 Liability and asset amounts "Closed by Consumer" and/or
against a consumer. for bankruptcies only. "Disputed Accounts."
11 Reporting court's name. 22 Voluntary indicator only; may 24 Special comments reported
d.splay as VOLUN if consumer by a subscriber or consumer to
12 Original filing date with court.
voluntarily dismissed bankruptcy. distinguish accounts that may
13 Status date if status is satisfied, require special handling.
released. vacated, discharged Trades
25 "O" indicates the terms of the loan
or dismissed.
have been deferred to a future date.
Any or all of the following information
14 Reporting court's
may appear if provided by a subscriber
subscriber number.
a. Original credit grantor name
15 Amount of public record.
for third-party collection
16 Type of public record. agency tradelines
17 Certificate ID or docket number. b. Balloon payment information (date
and amount) or deferred payment
1$ Code describing the consumer's
start date for deferred loans
association to the public
record item per the Equal Credit
Opportunity Act.
SDNY_GM_00004665
EFTA_00I 18738
EFTA01265464

*CENTRAL BANK 9-05 $21,424-0 OPEN DELINQ 30
12-28-06 $19,814 2-06 ( 6) 1C CCCC
$400 $400
e
10-02 $43,337-0 41 QOPEN 60 4+ TIMES
4-06-06 $4,346 4-06 (42) 21-1C1C111CC2
2-06 $827 $1354 11-03/1 2211CC211111
0 (
(1)
*BAY COMPANY 6-95 $1,730-L $2,437-H BK7PET CHARGOPT
7-07-00 $0 7-00 (62) 9LL665432121C
10-99 CC- CCCCCCCCC
TCA1 RTS 3122250*** CONSUMER,JONATHAN QUINCY
STREET/BURBANK CA 91502
EMPLOYEES CREDIT UNION 6-02 $12,500-L $10,659-H OPEN CURR ACCT
3-24-06 $0 3-06 (46) OCCCCCCCCCCCC
10-05 CCCCCCCCCCCC
7-02 $275,000-0 OPEN CURR ACCT
31 -0 6 $263,551 1-06 (3 8) C- CC- CCCCCCCC
1-06 $1887 CCCCCCCCCCCC
35 Balance date $s the cat 45 Maximum delinquency and
the subscriber's reported . . payment code is the most recent
. account. :late and code of the worst status
26 .t,tet iNk
36 Date of consumer's last paymew 46 Payment status comments reflect
• the account. the payment history of the account
of the balance date.
37 Amount of the loan or credit
27 aablished. 47 Consumer's payment history
wring the past 25 months
28 38 hinicates if the amount is an or
'ginning with the month
loan (0). credit limit (1). high
29 !cur aipresented by the balance date.
ludance (H). initial charge-oft (C'
The codes reflect the status of the
• anknown (blank).
account for each month and are
39 Current balance on the accouir displayed for balance reporting
subscribers only:
40 Payment amount the consume, is
scheduled to pay on the account. C Current
30 Type cf
41 Payment level date is the current N Current account/Zero
31 Terms oh.. L Lint. status date. balance — no update tape
received for this trade
32 consumer's 42 The amount past due for
Lai," • account. 0 Current account/Zero
balance—reported on
43 I ne account condition indicates
update tape
33 account IIIIIIIher the current condition of account.
30 days past the due date
34 Date • opened 44 Month,. reviewed •• •• • "•••
60 days past the due (Sat-
90 days past the due datia
SDNY_GM_00004666
EFTA_00 I 18739
EFTA01265465

STATE BANK 12-89 $15,000-L $8,479-H OPEN CURR ACCT
2-27-06 $2,123 2-06 (50) CCCCCCCCCCCCC
2-06 $100-A CCCCCCCCCCCC
O RCMAShU PORTFOLIO FR M: SOUTHWEST BANK
6-00 UNK OPEN CURR ACCT
1 2-28-06 2-06 (1) C
1-06
INQUIRIES
HEMLOCKS 01-05-06 2313849 DC
BAY COMPANY 12-03-05 2390446 DC $1,500 CHG REV
HILLSIDE BANK 10-21-05 2240679 BC
MESSAGES
*CONSUMER STATEMENT* 06& 01-20-06
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 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
01-20-06.
CONSUMER ASSISTANCE CONTACT: EXPERIAN
END -- EXPERIAN
D
4 120 days past the due date - (dash) No history reported for illso Inquiries
that month
5 150 days past the due date Inquiries indicate that a Credit Profile
6 180 days past the due date Blank No history maintained: Report was received on that date by
see payment status the subscriber listed. Inquiring
7 Chapter 13 Bankruptcy comment subscriber name, number and KOB
(Petitioned, Discharged,
48 Two amounts may display. are shown.Type, terms and amount
Reaffirmation of debt Indicates the account has a 312.500 may display and are from the
rescinded) (L)imit and the (H)ighest balance subscriber's inquiry input.
8 Foreclosure proceeding, was $10.659. Pfr
deed in lieu 48 Actual monthly payment is e• Messages
9 Chapter 7.11 or 12 Bankruptcy indicated by the "-A" directly
The Messages section may include
(Petitioned, Discharged, after the monthly payment amount;
general consumer statements
Reaffirmation of debt represents the actual payment
and informational or other special
rescinded) amount received by the lender for
messages. Consumer statements
that reporting period.
G Collection relating to a tradeline or public record
Scheduled monthly payment is item appear directly after the item.
H Foreclosure
implied if there is no "-A. or "-E."
J Voluntary surrender 50 Name. address and telephone
Estimated monthly payment number of Experian's consumer
K Repossession is indicated by the "-E" directly assistance office or credit
L Charge-off after the monthly payment amount, reporting agency nearest to the
calculated by Experian based on consumer's current address. Use
B Account condition change, reporters formula. for consumer referrals. Display is
payment code not applicable d. Portfolio "Sold To:" or "Purchased elective; contact your Experian
From:" name sales representative.
SDNY_GM_00004667
EFTA_00 I 18740
EFTA01265466

475 Anton Blvd.
Costa Mesa. CA 92626
T: 1 888 414 1120
wenv.expanan.com
SDNY_GM_00004668
EFTA_001 I 8741
EFTA01265467

Glossary of account conditions
and payment status
Version 8 — Numeric
•••• E
S • • •
S: xperian
• • .
Account conditions
Code Account Explanation Code Account Explanation
condition condit ion
A BK7PET x BK I2RESC
, , • ,
B BKiIPET Cu
V BK13RESC ROatfiln'atit,i) of (WM msr HO
Chapter 13 haniatilif
C BKI2PET I
At OPEN
D BK BRET Petrbnned for Ch .pIer II A2 PAID Paid arCrurifid f...
CLOSED CI ted,r Haunt
E BKTDISC D s haiut Al INACTIVE Ina ..-
Cliaptig f tta,l.ltipt • p
CO CRCDLOST Cr. d din Hal • l•
F BKI1DISC v
Cb,1itei II bankrupt es TRANSFER Aix cm' to
ancr oft
O BKI2DISC hangs
10 REFINANC
BKI3DISC D shun 21• DECEASED C011,lifflyr Ipp,pr!-“i o, de' I.
Cfri.1P!..., . PDBYDLER
BK7DISM r •
J BKIIDISM BKLIOREO
K BK12DISM
BK13DISM f) • an SETTLED AC(
M BK7V1/13 •I
N BKIINI/D V.,•••••• I a. BKADJPLN
BK12W/D Wrtd
SK13W/D Vidk9a...n Goaort A SCNL LOC COOSUIIIPI 14'C IRO V..
BKREAFF Reiff ir.iiatki del,' 07, FOREPROC
V BK7RESC Real fr. no, GOVCLAIM
• ,
BKIIRESC
SONY_GM_00004669
EFTA 0011874?
EFTA01265468

Account conditions (continued)
Code Account Explanation LCode Account Explanation
condition condition
IN Dif II 9.: I ^21 CI Os
t•
gt, 1,5 P.,, `-t
Display Payment amount types
25-month payment history
Delinquency counters
Terms frequency
SDNY_GM_00004670
EFTA_00 I I 8743
EFTA01265469

Payment status
Code Payment status Explanation Code Payment status Explanation
OD NO STATUS 37* CUR WAS 60 Cur cont n:comet Was on d tps
It
or CUR WAS 60-2
3S* CUR WAS 90
not tadt.
OP CUR WAS 60.3
; :stir • •• 39' CUR WAS 120
w CUR WAS 60-1- (...r tent tilli
OT
11 CURR ACCT 419 CUR WAS 180
CUR WAS 90-3
42' REDEEMD REPO A la . r..L.
15' CUR WAS 90-3.
ar CUR WAS COLL
Otter dr Ill I •
16. CUR WAS 120-24 COI IOW ri•rt • • •
120 dais nest nut• nat.. • ' t. - I
t• or non- trim
4S• CUR WAS FORE Ccua-•
17" CUR WAS 150-2+ Current at • . tea Was
150 lows past du- eat.
71' JO DAY DEL Account C. di:, rod tic- it.
OD 2TIMES Account GO cla,s past dill tad 720 30 ?TIMES
hr..) lone>.
2T 60 3TIMES Account 60 dile, past due date 303TIMES A • ^ ;30 clans past tine (late
three times Oil Orr I rt..,
24* 601• TIMES Account 60 chic µall due date le 304 TIMES cia.s past due 0,0.•
lour or there t Enc, taro,
25 90 ?TIMES Account 9) as! o 296 30 5TIMES A • • ate 31 dais past due clean
IA., trues
2IP 90 3- TIMES Account 9t) (tag a past nue en 77 306. TIMES A • tut as bar. pa d tic
three et lac.-;en;
TT' 1202* TIMES Aceoutn 120 cll.; c,.-ict TM 30 WAS 60 A 01di oast d_.
Ls ria."t ast chip .late
2:8' 1502. TIMES Accou"' I5u , du.. DELINC) 60 .or i+i OA., Im I di,. datr
dale tau ,r f" '.111t..r. The DEL WAS 90 tat. 3. r p,'
29* 90 WAS 120• A..., (pa.: tatt na, r.•
oast d
OM DELINO 90
31' CUR WAS 30 Loucot a ,1 Via 1 da 6, DEL WAS 120.
rad 0.•
CUR WAS 30-2 Current a. • id Was 30 Pa
Or DELINO 120
33° CUR WAS 30-3 Current 3, ,,-t•Nasju ad..
past dco 'lit- Peen s Or DELINCI 150
14^ CUR WAS 30-1 Curent d' ' 't 3),la,s
▪ DELINO 160
35. CUR WAS 30-5 Cohen t Wa , AI d
naSt ti tet•t 3.. COFF NOW PAY '.
CUR WAS 30-6- ON OPI rirrl
30 dal s past ado dot-
si. Of ffir fr. hole.;
3
SDNY_GM_00004671
EFTA _00118744
EFTA01265470

Purpose type of account
Type Short Explanation Type Short Explanation Typo Short Explanation
code name code name code name
r. f,
Ol p
04 II ryl tj' ,
'4)
N
IC 1 t'''
Pt NC_I
CC 1S[ UNK
I'
J1 t
CCP
I'
3,4 ALB
1f
Ia
IA i
BA SI II
SDNY_GM_00004672
EFTA_(N)118745
EFTA01265471

ECOA codes with definitions Public record glossary
Association with account currently active Account Explanation
conditions
Association terminaled as ot date reported BK 7-PETIT
BK 7-DISCHG
BK 7-DISMIS
0 A Undr rnirrirrilerl
BK 11-PETIT
1 H
BK 13DISCHG
BK 71-DISMIS
2 6 Lornil
ibdty BK 12-PETIT
BK I2-DISCHG
BK 12-DISMIS
3 C AutInni
BK 13-PETIT
4 D JO it gli nt BK 13-DISCEIG
BK WDISMIS
5 E CO II lt r CH SUP JUDG
CH SUP SATIS
CIV CL JUDG
6 F On In hrill of
CIV CL SATIS
CIV CL vACAT
7 G Snurr
F ED TAX LIEN
FEDTAX REL
SM CL JUDGMT
w I Bu, Con rual SM CL SATIS
SM CL VACAT
STATE TX LN
STATE Tx REI
SUTT DISMISS
SUTT FILED
5
SDNY_GM_00004673
EFTA 00118746
EFTA01265472

Kind of business codes
Code Explanation Code Explanation Code Explanation
I
SONY_GM_00004674
EFTA_OOI 18747
EFTA01265473

Cmlr t_ xi Code Explanation
Legal and related services ollectlons attorney
Check-cashing services Repossession company
Restaurants/Concessions Collections — nonspecific
Pest control
Country clubs SatelliteTV/Direct Auto reseller
broadcast provider
Employment screening Za Credit report brokers
Personal service (nonmedical)— Local telephone service provider ZG Credit reporting agencies
nonspecific Home security company
Direct-to-consumer reseller
Wireless telephone service provider Employment reseller
Mail-order houses — nonspecific Utilities and fuel— nonsdoc e• ZF Finance reseller
ZI Insurance reseller
VC City and county Zl Leasing and rental reseller
VF Federal government ZM filiinufacturing
v K Child support services ZP l'...sonal service resell,
sa vk Law enforcement ZR ▪ nail not elsewhere classil red
V S State government ZS ▪ • . ices not elsewhere claL slhed
Court codes
zT • -• • - 'eons's resell.
NT. V1 Government — nonspec rt
ZW ,:. • , e•, .1 elsewhere classlf leo
ZY filer
V. A Automotive supplies
ZZ .1, •
'NB Building supplies/Hardware
:NC Clothing and dry goods
D Drugs, chemicals and related g
V.6 Wholesale grocery and
related products
V.H Home furnishings
M Machinery, equipment surri
V. p Credit card processors
V:Z Wholesale —nonspecif
TC
Ft X 0 Direct-mall list services
N XL List processing vendors
IJ X NI Media
TZ Advertising — nonspecific
X A Collection department —ACB
VC credit bureau
UD TB Collection department -
u VC
Ur YD
department store
LIG
Collection departnit nt -
U.
loan company
SDNY_GM_00004675
EFTA _00118748
EFTA01265474

Special comment codes
Code Description Code Description
Compliance condition codes
SDNY_GM_00004676
EFTA_OOI 18749
EFTA01265475