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Tri-Merged Credit Reports Example

  INFILE CREDIT REPORT      FILE #  610418  FNMA # 610418   PREPARED FOR  ABC MORTGAGE TEST - TESTML     1124 BRISTOL STREET     COSTA MESA, CA 92626          DATE COMPLETED  10/3/2007  RQD' BY  INDYMAC   DATE ORDERED  10/3/2007       REPOSITORIES  EF  PR

INFILE CREDIT REPORT

 

FILE #

610418

FNMA # 610418

PREPARED FOR

ABC MORTGAGE TEST - TESTML

 

1124 BRISTOL STREET

 

COSTA MESA, CA 92626

 

 

DATE COMPLETED

10/3/2008

RQD' BY

 

DATE ORDERED

10/3/2008

 

REPOSITORIES

EF

PRPD' BY

 

PRICE

 

LOAN TYPE

 

REF. #

 

PROPERTY ADDRESS

 

APPLICANT

CO-APPLICANT

APPLICANT

ALACOMMON, ROSA

SOC SEC #

065-30-7057

DOB

 

MARITAL STATUS

 

CO-APPLICANT

 

SOC SEC #

 

DOB

 

DEPENDENTS

 

CURRENT ADDRESS

9 GLENN, FANTASY ISLAND, IL 60750

LENGTH

 

PREVIOUS ADDRESS

 

LENGTH

 

SCORE MODELS

EQUIFAX/FACTA BEACON 5.0 - ROSA ALACOMMON - 065307057
SCORE: 673
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
00010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
00005 - TOO MANY ACCOUNTS WITH BALANCES
00008 - TOO MANY INQUIRIES LAST 12 MONTHS


PUBLIC RECORDS

*** NONE ***

REAL ESTATE ACCOUNTS

*** NONE ***

NON-DEROGATORY ACCOUNTS

E
C
O
A

W
H
O
S
E

CREDITOR

DATE
REPORTED

DATE OPENED

HIGH CREDIT OR LIMIT

BALANCE

PAST
DUE

MO
REV

30

60

90+

STATUS

DLA

ACCT TYPE

TERMS

SOURCE

.

A

B

CITI

06/07

05/07
06/07

$3100
REV

$1471
$20

$0

01

0

0

0

AS AGREED
EF

.

B

B

MACY'S

07/07

03/07
07/07

$100
REV

$60
$5

$0

03

0

0

0

AS AGREED
EF

 

CHARGE

.

DEROGATORY ACCOUNTS

*** NONE ***

OTHER CREDIT HISTORY

*** NONE ***

TRADE SUMMARY

 

#

BALANCE

HIGH CREDIT

PAYMENTS

PAST DUE

MORTGAGE

0

0

0

0

0

AUTO

0

0

0

0

0

EDUCATION

0

0

0

0

0

OTHER INSTALLMENT

0

0

0

0

0

OPEN

0

0

0

0

0

REVOLVING

2

1531

3200

25

0

OTHER

0

0

0

0

0

TOTAL

2

1531

3200

25

0


SECURED DEBT

0

OLDEST TRADELINE

03/07

 

UNSECURED DEBT

1531

DEBT/HIGH CREDIT

48%

 

DEROGATORY SUMMARY

CHARGE OFFS:

0

30 DAYS:

0

INQUIRIES:

0

COLLECTIONS:

0

60 DAYS:

0

 

 

BANKRUPTCY:

0

90 DAYS:

0

 

 

PUBLIC RECORDS:

0

OTHER:

0

 

 

INQUIRIES (LAST 90 DAYS)

*** NONE ***

SOURCE OF INFORMATION

1

TRANSUNION - PULLED ON: 10/03/08

 

*** NONE ***

 

2

EXPERIAN - PULLED ON: 10/03/08

 

*** NONE ***

 

3

EQUIFAX - PULLED ON: 10/03/08 - INFILE DATE: 04/03/08

 

NM: ROSA ALACOMMON DOB: 12/27/84
SS: 065307057
AD: 9 GLENN PL, FANTASY ISLAND, IL 60751
EM: LQIRUPDWLRQ EXLOGHUV//

REMARKS

EQUIFAX OFAC ALERT: NOTHING TO REPORT
NO MATCH FOUND IN CDC'S OFAC DATABASE.

CREDITORS

CITI

P.O. BOX 6500, SIOUX FALLS SD 57117-6500

MAIL ONLY

MACY'S

PO BOX 8122, MASON OH 45040

800-243-6552

SAFE SCAN

*** SAFESCAN ***
065307057
SOCIAL SECURITY NUMBER IS ISSUED TO PERSON WHO HAS BEEN REPORTED DECEASED.
SSN ISSUED IN 1953, STATE: NY.
SSN REPORTED DECEASED IN 1998, STATE: NJ.

MISCELLANEOUS INFORMATION

Instant View Password: AE-9E72B4

To verify the authenticity of this credit report, please visit https://premium.meridianlink.com and click on the Instant View link. Enter report number 610418 and password AE-9E72B4 to view the report. For any inquiries regarding this report or services provided by PREMIUM CREDIT BUREAU please contact us at 305-468-1560.


*** END OF REPORT 4/3/2008 4:30:46 PM ***


ECOA KEY: B=BORROWER; C=CO-BORROWER; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S=CO-SIGNER


PREMIUM CREDIT BUREAU: 9594 DORAL BOULEVARD #206, MIAMI, FL 33178 (P) 305-468-1560 (F) 305-468-1565

The information is furnished in response to an inquiry for the purpose of evaluating credit risks. It has been obtained from sources deemed reliable, the accuracy of which this organization does not guarantee. The inquirer has agreed to indemnify that reporting bureau for any damage arising from misuse of this information, and this report is furnished in reliance upon that indemnity. It must be held in strict confidence and complies with the provisions of Public Law 91-508, the Fair Credit Reporting Act. Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA and the Farmers Home Administration.

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