andres1513
Professional
i sell Scores and Credit Reports: Experian, Equifax, TransUnion ... for $ 90
Reference #:
F49300242 Original Report Date: 05/13/2010
Name:
Tim Roberts DOB: 05/01/1960
Address: 309 Lee Circle Dover, TN 37058
Account Type Count Balance Payments Open Closed Deferred/Unknown
Real Estate
Equifax
0 $0 $0 0 0 0
Experian
0 $0 $0 0 0 0
TransUnion
0 $0 $0 0 0 0
Installment
Equifax
4 $14,710 $841 2 2 0
Experian
4 $14,710 $841 2 2 0
TransUnion
4 $14,710 $841 2 2 0
Revolving
Equifax
2 $0 $0 0 2 0
Experian
7 $1,552 $31 1 6 0
TransUnion
2 $0 $0 0 2 0
Other
Equifax
1 $1,552 $31 1 0 0
Experian
0 $0 $0 0 0 0
TransUnion
1 $1,552 $31 1 0 0
Delinquencies
Inquiries Public Records Collection Accounts Now Prior
Equifax
0
0
0
0
0
Experian
0
0
0
0
0
TransUnion
0
0
0
0
0
See Contact Information to contact creditor
Account Information
Bureau
Court and Tax Recordings
No data was reported
See Contact Information to contact creditor
Account Information
Account: FIRST STATE BANK Acct #: 805XXXX Type: Installment
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax J 04/2008 $19,459 $342 $13,294 04/2010 Open -
Experian J 04/2008 $19,459 $342 $13,294 04/2010 Open -
TransUnion J 04/2008 $19,459 $342 $13,294 04/2010 Open $0
Comments: TransUnion Installment Sales Contract
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 04/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 04/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 04/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: CHASE Acct #: 42668412XXXX Type: Net 30
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax I 08/1998 $6,247 $31 $1,552 05/2010 Open -
Experian I 08/1998 $6,247 $31 $1,552 05/2010 Open -
TransUnion I 08/1998 $6,247 $31 $1,552 05/2010 Open $0
Comments: TransUnion Credit Card
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: FRD MOTOR CR Acct #: 3740XXXX Type: Installment
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax J 07/2004 $29,775 $499 $1,416 05/2010 Open -
Experian J 07/2004 $29,775 $499 $1,416 05/2010 Open -
TransUnion J 07/2004 $29,775 $499 $1,416 05/2010 Open $0
Comments: TransUnion Auto
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: FRD MOTOR CR Acct #: 2056XXXX Type: Installment
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax J 06/1999 $17,839 $320 $0 07/2004 Paid -
Experian J 06/1999 $17,839 - - 07/2004 Paid -
TransUnion J 06/1999 $17,839 $320 $0 07/2004 Closed $0
Comments: TransUnion Auto
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 07/2004
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 07/2004
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 07/2004
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: GEMB/BELK Acct #: 10XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
TransUnion I 02/2001 $0 - $0 02/2001 Paid $0
Comments: TransUnion Charge Account
Bureau Days Past Due History
Date 24 Month History
30 60 90+
TransUnion
- - -
Account: SEARS/CBSD Acct #: 50499401XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax I 06/2004 $4,000 - $0 03/2010 Paid -
Experian I 06/2004 $4,000 - - 03/2009 Closed -
TransUnion I 06/2004 $4,000 - $0 03/2010 Closed $0
Comments: Experian Account closed at consumers request TransUnion Charge Account
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 12/2004
✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 03/2009
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 03/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: WORLD OMNI F Acct #: 181000000020XXXX Type: Installment
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax J 12/1999 $22,352 $397 $0 07/2004 Paid -
Experian J 12/1999 $22,352 - - 07/2004 Paid -
TransUnion J 12/1999 $22,352 $397 - 06/2004 Closed $0
Comments: TransUnion Auto
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 06/2004
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 07/2004
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 06/2004
✔ – – – – – ✔ – – ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: DISCOVER FIN SVCS LLC Acct #: 60110064XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Experian I 06/1995 $10,000 - - 05/2005 Closed -
Comments: Experian Account closed at consumers request
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Experian
0 0 0 05/2005
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: FIRST USA BANK N A Acct #: 54171223XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Experian I 06/1994 $9,000 - - 04/2000 Closed -
Comments: Experian Account closed at consumers request
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Experian
0 0 0 04/2000
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: FIRST USA BANK N A Acct #: 54664705XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Experian I 10/1998 - - - 04/2000 Closed -
Comments: Experian Account closed at consumers request
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Experian
0 0 0 04/2000
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: FUSA NA Acct #: 44171284XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax I 08/1998 $9,000 $15 - 08/2001 Paid -
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 08/2001
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: REGION/AMS Acct #: 67XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Experian I 05/1995 $1,500 - - 04/2010 Paid -
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Experian
0 0 0 04/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: UNVL/CITI Acct #: 53984200XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Experian I 08/1995 - - - 04/2000 Paid -
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Experian
0 0 0 04/2000
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
See Contact Information to contact creditor
Bureau Date Credit Inquiry
No data was reported
Bureau Date Address City State Zip
Equifax 07/1998 309 LEE CIR DOVER TN 37058
Equifax 05/1995 PO BOX 416 DOVER TN 37058
Equifax 05/2008 270 WINTERS CT CLARKSVILLE TN 37043
Experian 09/2008 270 WINTERS CT CLARKSVILLE TN 370431986
Experian 07/1993 309 LEE CIR DOVER TN 370583214
Experian 03/1991 PO BOX 416 DOVER TN 370580416
TransUnion 04/1995 309 LEE CI DOVER TN 37058
TransUnion 05/2008 270 WINTERS CT CLARKSVILLE TN 37043
TransUnion 416 PO BOX 416 DOVER TN 37058
Bureau Employer
Equifax GERBER TECH
Equifax GGT
Equifax OSH KOSH BY GOSH INC
Experian OSH KOSH
TransUnion GGT
TransUnion OSH KOSH BY GOSH INC
Bureau Alias
Equifax TIM A ROBERTS
Derogatory Contact Information
Name Address City State Zip Phone
No data was reported
Credit Contact Information
Name Address City State Zip Phone
No data was reported
Credit Inquiry Contact Information
Name Address City State Zip Phone
No data was reported
Credit Bureau Contact Information
Name Address City State Zip Phone
Equifax Information Svcs P.O. Box 740256 Atlanta GA 30374 800-685-1111
Experian P.O. Box 2002 Allen TX 75013 888-397-3742
TransUnion LLC P.O. Box 34012 Fullerton CA 92834 800-916-8800
This report is furnished at your request. This credit report is issued to permissible users as defined by the Fair Credit Reporting Act (Public Law 91-508) and is done in the strictest of confidence. Good faith effort has been made to obtain information from sources deemed as reliable, but the accuracy of this information is not guaranteed. (First Advantage CREDCO, FAMS, 12395 First American Way, Poway, CA 92064.)
Copyright (c) 2010, First Advantage CREDCO, Inc
Para informacion en espanol, visite www.ftc.gov/credit o escribe a la FTC Consumer ResponseCenter, Room 130-A 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information.
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
a person has taken adverse action against you because of information in your credit report;
you are the victim of identify theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.
In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need - usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.ftc.gov/credit.
You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888- 567-8688).
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are:
TYPE OF BUSINESS:
CONTACT:
Consumer reporting agencies, creditors and others not listed below
Federal Trade Commission: Consumer Response Center - FCRA
Washington, DC 20580 1-877-382-4357
National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name)
Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219 800-613-6743
Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks)
Federal Reserve Consumer Help(FRCH)
P O Box 1200
Minneapolis, MN 55480
Telephone: 888-851-1920
Website Address:www.federalreserveconsumerhelp.gov
Email Address: [email protected]
Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name)
Office of Thrift Supervision
Consumer Complaints
Washington, DC 20552 800-842-6929
Federal credit unions (words "Federal Credit Union" appear in institution's name)
National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314 703-519-4600
State-chartered banks that are not members of the Federal Reserve System
Federal Deposit Insurance Corporation
Consumer Response Center, 2345 Grand Avenue, Suite 100
Kansas City, Missouri 64108-2638 1-877-275-3342
Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission
Department of Transportation , Office of Financial Management
Washington, DC 20590 202-366-1306
Activities subject to the Packers and Stockyards Act, 1921
Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250 202-720-7051
Reference #:
F49300242 Original Report Date: 05/13/2010
Name:
Tim Roberts DOB: 05/01/1960
Address: 309 Lee Circle Dover, TN 37058
Your credit score is based on information from your 3 Bureau Merged credit report. The higher your score is, the better chance you have of getting the credit you apply for.
Your credit score based on your
Equifax credit report is 714 on a scale of 352-848
Experian credit report is 764 on a scale of 352-848
TransUnion credit report is 708 on a scale of 352-848
Your credit score is based on information from your 1-bureau (Equifax) credit report. The higher your score is, the better chance you have of getting the credit you apply for.
Your credit score based on your Equifax report is 714 on a scale of 352-848 .
Your Score
Confidential Credit Smart Score (Smart Score) is provided solely as a tool to assist you in better understanding how lenders evaluate your credit reports. The score is for educational purposes only, and does not qualify you for any loan. Your lender may use a scoring model that differs from the one used by Smart Score. As a result, your Smart Score and the factors we have identified as contributing to your Smart Score may vary from the score produced by your lender's scoring model and the score factors identified by that model. In addition, a credit score is only one of many factors used by a lender in underwriting loans, and such other factors may affect a lender's credit decision. Each lender has its own underwriting criteria, and the weight given to a particular credit score by lenders may differ.
The explanatory materials accompanying your Smart Score are not intended to be a "quick fix" for improving your credit score. Since under most scoring models, in order to improve your credit score, you must concentrate on paying your bills on time, paying down outstanding balances, maintaining the proper amount and mix of debt, and developing a consistent track-record of being able to handle your accounts over a significant period of time, it is likely to take some time to meaningfully improve your credit score. Moreover, the operation of the factors used credit scores is complex, and a change intended to improve a specific factor may backfire and result in an overall decline the score. For example, while opening new accounts may improve a person's debt mix, it may also lower the average account age and increase the amount of debt owed resulting in an overall lower credit score.
The explanatory materials are general in nature, and should not be construed as advice in handling your financial problems or making financial decisions. If you are having trouble paying your bills, you should contact a non-profit or other legitimate credit counselor. Rather, the explanatory materials have been provided solely to help you understand how specific features in your credit report are reflected in your Smart Score. Therefore, you should use the materials for educational purposes only.
Your credit score is based on information from your 1-bureau (Experian) credit report. The higher your score is, the better chance you have of getting the credit you apply for.
Your credit score based on your Experian report is 764 on a scale of 352-848 .
Your Score
Your credit report reflects 3 account(s) with balances that are considered active.
Lenders like to see a good mix of account types and loans on a credit report with all accounts showing good payment history. They want to see that other lenders have extended you credit and that you have managed it with care. A high number of accounts in any one type may indicate that your credit report does not reflect a balanced mix of accounts. Too many accounts may also indicate too much available credit. Paying down and closing accounts or consolidating your accounts may help improve your score.
The total balance of the 1 revolving account(s) on your credit report is impacting your credit score.
This type of account is typically accessed via a credit card. There is a credit limit, the balance can be carried over from month to month, and the minimum monthly payment is calculated on a percentage of the unpaid balance. Higher amounts of outstanding debt can make you a greater credit risk. Total balances that are too high (given your credit situation) may mean that you would have difficulty paying back an additional loan. They may also indicate that you have not managed your debt effectively. Lower balances indicate to lenders that you will be more likely to pay back any new loans. Paying down some of your balances without increasing debt in other accounts should help improve your score.
The total credit extended to you in your 1 bank installment loan(s) is impacting your credit score.
Installment loans are loans that have equal payments over a fixed period. The full loan amount is given to the borrower at the beginning of the term and the borrower then makes payments until the loan in repaid. Mortgages, auto loans, and furniture loans are examples of installments. Lenders like to see a good mix of account types and loans on a credit report with all accounts showing good payment history. They want to see that other lenders have extended you credit and that you have managed it with care. A low amount of credit extended in any one type of account may indicate an inability to establish credit. It may also make it difficult to gauge credit worthiness and your ability to manage debt. An additional account of this type or a higher limit from one of your existing accounts may help increase your score. However, taking on more debt than you can handle will almost always negatively impact your score to a greater degree than not having enough debt.
The total balance of the active 2 installment account(s) on your credit report is too close to the total original loan amount(s).
Installment loans are loans that have equal payments over a fixed period. The full loan amount is given to the borrower at the beginning of the term and the borrower then makes payments until the loan in repaid. Mortgages, auto loans, and furniture loans are examples of installments. Higher amounts of outstanding debt in relation to credit limits can indicate that you are a credit risk. High debt to limit ratios may indicate that you are having trouble paying back your existing debt or that you would have trouble if you added another account. They may also indicate that you have not managed your debt effectively. Lenders typically like to see balances that total less than 50% of your credit limits with less than 30% being optimal. Paying down some of your balances without increasing debt in other accounts should help improve your score.
The total credit extended to you in your 0 retail account(s) is impacting your credit score.
These are revolving accounts issued by retail stores (e.g. clothing, electronics, and sporting goods stores that offer a charge card). They are typically accessed via a credit card. There is a credit limit, the balance can be carried over from month to month, and the minimum monthly payment is calculated on a percentage of the unpaid balance. Lenders like to see a good mix of account types and loans on a credit report with all accounts showing good payment history. They want to see that other lenders have extended you credit and that you have managed it with care. A low amount of credit extended in any one type of account may indicate an inability to establish credit. It may also make it difficult to gauge credit worthiness and your ability to manage debt. An additional account of this type or a higher limit from one of your existing accounts may help increase your score. However, taking on more debt than you can handle will almost always negatively impact your score to a greater degree than not having enough debt.
The oldest account on your credit report or the average length of all open accounts on your credit report is only 191 month(s).
Lenders like to see all accounts reflect a good payment history over time. Recently opened accounts can indicate an increase in available credit and other changes to your overall credit picture. Lenders typically like to see how you handle your available credit and recently opened accounts may make it difficult to gauge credit worthiness and your ability to manage debt. The time frames for considering an account recent are typically short (6-12 months). If you pay your bills on time for these and all other accounts, their negative impact on your score should go away.
Confidential Credit Smart Score (Smart Score) is provided solely as a tool to assist you in better understanding how lenders evaluate your credit reports. The score is for educational purposes only, and does not qualify you for any loan. Your lender may use a scoring model that differs from the one used by Smart Score. As a result, your Smart Score and the factors we have identified as contributing to your Smart Score may vary from the score produced by your lender's scoring model and the score factors identified by that model. In addition, a credit score is only one of many factors used by a lender in underwriting loans, and such other factors may affect a lender's credit decision. Each lender has its own underwriting criteria, and the weight given to a particular credit score by lenders may differ.
The explanatory materials accompanying your Smart Score are not intended to be a "quick fix" for improving your credit score. Since under most scoring models, in order to improve your credit score, you must concentrate on paying your bills on time, paying down outstanding balances, maintaining the proper amount and mix of debt, and developing a consistent track-record of being able to handle your accounts over a significant period of time, it is likely to take some time to meaningfully improve your credit score. Moreover, the operation of the factors used credit scores is complex, and a change intended to improve a specific factor may backfire and result in an overall decline the score. For example, while opening new accounts may improve a person's debt mix, it may also lower the average account age and increase the amount of debt owed resulting in an overall lower credit score.
The explanatory materials are general in nature, and should not be construed as advice in handling your financial problems or making financial decisions. If you are having trouble paying your bills, you should contact a non-profit or other legitimate credit counselor. Rather, the explanatory materials have been provided solely to help you understand how specific features in your credit report are reflected in your Smart Score. Therefore, you should use the materials for educational purposes only.
Your credit score is based on information from your 1-bureau (TransUnion) credit report. The higher your score is, the better chance you have of getting the credit you apply for.
Your credit score based on your TransUnion report is 708 on a scale of 352-848 .
Your Score
Your credit report reflects 3 account(s) in good standing, and have been open for over 6 months.
Satisfactory accounts are accounts that meet a number of criteria that lenders look for in order to assess credit worthiness. They are open accounts that are not currently late. They should not show previous derogatory information (payments 30 days or more late in history). Typically they are only considered if they have been on your credit report for a minimum amount of time (6 months - 2 years). Lenders want to see that other lenders have extended you credit and that you have managed it with care. A low number of satisfactory accounts may indicate an inability to establish credit. It may also make it difficult to gauge credit worthiness and your ability to manage debt. Keep all of your accounts current and try to maintain longer relationships with a few lenders as opposed to closing and opening new accounts on a regular basis.
Confidential Credit Smart Score (Smart Score) is provided solely as a tool to assist you in better understanding how lenders evaluate your credit reports. The score is for educational purposes only, and does not qualify you for any loan. Your lender may use a scoring model that differs from the one used by Smart Score. As a result, your Smart Score and the factors we have identified as contributing to your Smart Score may vary from the score produced by your lender's scoring model and the score factors identified by that model. In addition, a credit score is only one of many factors used by a lender in underwriting loans, and such other factors may affect a lender's credit decision. Each lender has its own underwriting criteria, and the weight given to a particular credit score by lenders may differ.
The explanatory materials accompanying your Smart Score are not intended to be a "quick fix" for improving your credit score. Since under most scoring models, in order to improve your credit score, you must concentrate on paying your bills on time, paying down outstanding balances, maintaining the proper amount and mix of debt, and developing a consistent track-record of being able to handle your accounts over a significant period of time, it is likely to take some time to meaningfully improve your credit score. Moreover, the operation of the factors used credit scores is complex, and a change intended to improve a specific factor may backfire and result in an overall decline the score. For example, while opening new accounts may improve a person's debt mix, it may also lower the average account age and increase the amount of debt owed resulting in an overall lower credit score.
The explanatory materials are general in nature, and should not be construed as advice in handling your financial problems or making financial decisions. If you are having trouble paying your bills, you should contact a non-profit or other legitimate credit counselor. Rather, the explanatory materials have been provided solely to help you understand how specific features in your credit report are reflected in your Smart Score. Therefore, you should use the materials for educational purposes only.
Reference #:
F49300242 Original Report Date: 05/13/2010
Name:
Tim Roberts DOB: 05/01/1960
Address: 309 Lee Circle Dover, TN 37058
Account Type Count Balance Payments Open Closed Deferred/Unknown
Real Estate
Equifax
0 $0 $0 0 0 0
Experian
0 $0 $0 0 0 0
TransUnion
0 $0 $0 0 0 0
Installment
Equifax
4 $14,710 $841 2 2 0
Experian
4 $14,710 $841 2 2 0
TransUnion
4 $14,710 $841 2 2 0
Revolving
Equifax
2 $0 $0 0 2 0
Experian
7 $1,552 $31 1 6 0
TransUnion
2 $0 $0 0 2 0
Other
Equifax
1 $1,552 $31 1 0 0
Experian
0 $0 $0 0 0 0
TransUnion
1 $1,552 $31 1 0 0
Delinquencies
Inquiries Public Records Collection Accounts Now Prior
Equifax
0
0
0
0
0
Experian
0
0
0
0
0
TransUnion
0
0
0
0
0
See Contact Information to contact creditor
Account Information
Bureau
Court and Tax Recordings
No data was reported
See Contact Information to contact creditor
Account Information
Account: FIRST STATE BANK Acct #: 805XXXX Type: Installment
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax J 04/2008 $19,459 $342 $13,294 04/2010 Open -
Experian J 04/2008 $19,459 $342 $13,294 04/2010 Open -
TransUnion J 04/2008 $19,459 $342 $13,294 04/2010 Open $0
Comments: TransUnion Installment Sales Contract
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 04/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 04/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 04/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: CHASE Acct #: 42668412XXXX Type: Net 30
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax I 08/1998 $6,247 $31 $1,552 05/2010 Open -
Experian I 08/1998 $6,247 $31 $1,552 05/2010 Open -
TransUnion I 08/1998 $6,247 $31 $1,552 05/2010 Open $0
Comments: TransUnion Credit Card
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: FRD MOTOR CR Acct #: 3740XXXX Type: Installment
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax J 07/2004 $29,775 $499 $1,416 05/2010 Open -
Experian J 07/2004 $29,775 $499 $1,416 05/2010 Open -
TransUnion J 07/2004 $29,775 $499 $1,416 05/2010 Open $0
Comments: TransUnion Auto
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 05/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: FRD MOTOR CR Acct #: 2056XXXX Type: Installment
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax J 06/1999 $17,839 $320 $0 07/2004 Paid -
Experian J 06/1999 $17,839 - - 07/2004 Paid -
TransUnion J 06/1999 $17,839 $320 $0 07/2004 Closed $0
Comments: TransUnion Auto
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 07/2004
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 07/2004
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 07/2004
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: GEMB/BELK Acct #: 10XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
TransUnion I 02/2001 $0 - $0 02/2001 Paid $0
Comments: TransUnion Charge Account
Bureau Days Past Due History
Date 24 Month History
30 60 90+
TransUnion
- - -
Account: SEARS/CBSD Acct #: 50499401XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax I 06/2004 $4,000 - $0 03/2010 Paid -
Experian I 06/2004 $4,000 - - 03/2009 Closed -
TransUnion I 06/2004 $4,000 - $0 03/2010 Closed $0
Comments: Experian Account closed at consumers request TransUnion Charge Account
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 12/2004
✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 03/2009
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 03/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: WORLD OMNI F Acct #: 181000000020XXXX Type: Installment
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax J 12/1999 $22,352 $397 $0 07/2004 Paid -
Experian J 12/1999 $22,352 - - 07/2004 Paid -
TransUnion J 12/1999 $22,352 $397 - 06/2004 Closed $0
Comments: TransUnion Auto
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 06/2004
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Experian
0 0 0 07/2004
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
TransUnion
0 0 0 06/2004
✔ – – – – – ✔ – – ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: DISCOVER FIN SVCS LLC Acct #: 60110064XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Experian I 06/1995 $10,000 - - 05/2005 Closed -
Comments: Experian Account closed at consumers request
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Experian
0 0 0 05/2005
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: FIRST USA BANK N A Acct #: 54171223XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Experian I 06/1994 $9,000 - - 04/2000 Closed -
Comments: Experian Account closed at consumers request
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Experian
0 0 0 04/2000
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: FIRST USA BANK N A Acct #: 54664705XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Experian I 10/1998 - - - 04/2000 Closed -
Comments: Experian Account closed at consumers request
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Experian
0 0 0 04/2000
– ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: FUSA NA Acct #: 44171284XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Equifax I 08/1998 $9,000 $15 - 08/2001 Paid -
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Equifax
- - - 08/2001
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: REGION/AMS Acct #: 67XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Experian I 05/1995 $1,500 - - 04/2010 Paid -
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Experian
0 0 0 04/2010
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Account: UNVL/CITI Acct #: 53984200XXXX Type: Revolving
Bureau Bureau
Code Date
Open High
Limit Monthly
Payment Account
Balance Last
Reported Account
Status Amount
Past Due
Experian I 08/1995 - - - 04/2000 Paid -
Bureau Days Past Due History
Date 24 Month History
30 60 90+
Experian
0 0 0 04/2000
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
See Contact Information to contact creditor
Bureau Date Credit Inquiry
No data was reported
Bureau Date Address City State Zip
Equifax 07/1998 309 LEE CIR DOVER TN 37058
Equifax 05/1995 PO BOX 416 DOVER TN 37058
Equifax 05/2008 270 WINTERS CT CLARKSVILLE TN 37043
Experian 09/2008 270 WINTERS CT CLARKSVILLE TN 370431986
Experian 07/1993 309 LEE CIR DOVER TN 370583214
Experian 03/1991 PO BOX 416 DOVER TN 370580416
TransUnion 04/1995 309 LEE CI DOVER TN 37058
TransUnion 05/2008 270 WINTERS CT CLARKSVILLE TN 37043
TransUnion 416 PO BOX 416 DOVER TN 37058
Bureau Employer
Equifax GERBER TECH
Equifax GGT
Equifax OSH KOSH BY GOSH INC
Experian OSH KOSH
TransUnion GGT
TransUnion OSH KOSH BY GOSH INC
Bureau Alias
Equifax TIM A ROBERTS
Derogatory Contact Information
Name Address City State Zip Phone
No data was reported
Credit Contact Information
Name Address City State Zip Phone
No data was reported
Credit Inquiry Contact Information
Name Address City State Zip Phone
No data was reported
Credit Bureau Contact Information
Name Address City State Zip Phone
Equifax Information Svcs P.O. Box 740256 Atlanta GA 30374 800-685-1111
Experian P.O. Box 2002 Allen TX 75013 888-397-3742
TransUnion LLC P.O. Box 34012 Fullerton CA 92834 800-916-8800
This report is furnished at your request. This credit report is issued to permissible users as defined by the Fair Credit Reporting Act (Public Law 91-508) and is done in the strictest of confidence. Good faith effort has been made to obtain information from sources deemed as reliable, but the accuracy of this information is not guaranteed. (First Advantage CREDCO, FAMS, 12395 First American Way, Poway, CA 92064.)
Copyright (c) 2010, First Advantage CREDCO, Inc
Para informacion en espanol, visite www.ftc.gov/credit o escribe a la FTC Consumer ResponseCenter, Room 130-A 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information.
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
a person has taken adverse action against you because of information in your credit report;
you are the victim of identify theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.
In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need - usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.ftc.gov/credit.
You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888- 567-8688).
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are:
TYPE OF BUSINESS:
CONTACT:
Consumer reporting agencies, creditors and others not listed below
Federal Trade Commission: Consumer Response Center - FCRA
Washington, DC 20580 1-877-382-4357
National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name)
Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219 800-613-6743
Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks)
Federal Reserve Consumer Help(FRCH)
P O Box 1200
Minneapolis, MN 55480
Telephone: 888-851-1920
Website Address:www.federalreserveconsumerhelp.gov
Email Address: [email protected]
Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name)
Office of Thrift Supervision
Consumer Complaints
Washington, DC 20552 800-842-6929
Federal credit unions (words "Federal Credit Union" appear in institution's name)
National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314 703-519-4600
State-chartered banks that are not members of the Federal Reserve System
Federal Deposit Insurance Corporation
Consumer Response Center, 2345 Grand Avenue, Suite 100
Kansas City, Missouri 64108-2638 1-877-275-3342
Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission
Department of Transportation , Office of Financial Management
Washington, DC 20590 202-366-1306
Activities subject to the Packers and Stockyards Act, 1921
Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250 202-720-7051
Reference #:
F49300242 Original Report Date: 05/13/2010
Name:
Tim Roberts DOB: 05/01/1960
Address: 309 Lee Circle Dover, TN 37058
Your credit score is based on information from your 3 Bureau Merged credit report. The higher your score is, the better chance you have of getting the credit you apply for.
Your credit score based on your
Equifax credit report is 714 on a scale of 352-848
Experian credit report is 764 on a scale of 352-848
TransUnion credit report is 708 on a scale of 352-848
Your credit score is based on information from your 1-bureau (Equifax) credit report. The higher your score is, the better chance you have of getting the credit you apply for.
Your credit score based on your Equifax report is 714 on a scale of 352-848 .
Your Score
Confidential Credit Smart Score (Smart Score) is provided solely as a tool to assist you in better understanding how lenders evaluate your credit reports. The score is for educational purposes only, and does not qualify you for any loan. Your lender may use a scoring model that differs from the one used by Smart Score. As a result, your Smart Score and the factors we have identified as contributing to your Smart Score may vary from the score produced by your lender's scoring model and the score factors identified by that model. In addition, a credit score is only one of many factors used by a lender in underwriting loans, and such other factors may affect a lender's credit decision. Each lender has its own underwriting criteria, and the weight given to a particular credit score by lenders may differ.
The explanatory materials accompanying your Smart Score are not intended to be a "quick fix" for improving your credit score. Since under most scoring models, in order to improve your credit score, you must concentrate on paying your bills on time, paying down outstanding balances, maintaining the proper amount and mix of debt, and developing a consistent track-record of being able to handle your accounts over a significant period of time, it is likely to take some time to meaningfully improve your credit score. Moreover, the operation of the factors used credit scores is complex, and a change intended to improve a specific factor may backfire and result in an overall decline the score. For example, while opening new accounts may improve a person's debt mix, it may also lower the average account age and increase the amount of debt owed resulting in an overall lower credit score.
The explanatory materials are general in nature, and should not be construed as advice in handling your financial problems or making financial decisions. If you are having trouble paying your bills, you should contact a non-profit or other legitimate credit counselor. Rather, the explanatory materials have been provided solely to help you understand how specific features in your credit report are reflected in your Smart Score. Therefore, you should use the materials for educational purposes only.
Your credit score is based on information from your 1-bureau (Experian) credit report. The higher your score is, the better chance you have of getting the credit you apply for.
Your credit score based on your Experian report is 764 on a scale of 352-848 .
Your Score
Your credit report reflects 3 account(s) with balances that are considered active.
Lenders like to see a good mix of account types and loans on a credit report with all accounts showing good payment history. They want to see that other lenders have extended you credit and that you have managed it with care. A high number of accounts in any one type may indicate that your credit report does not reflect a balanced mix of accounts. Too many accounts may also indicate too much available credit. Paying down and closing accounts or consolidating your accounts may help improve your score.
The total balance of the 1 revolving account(s) on your credit report is impacting your credit score.
This type of account is typically accessed via a credit card. There is a credit limit, the balance can be carried over from month to month, and the minimum monthly payment is calculated on a percentage of the unpaid balance. Higher amounts of outstanding debt can make you a greater credit risk. Total balances that are too high (given your credit situation) may mean that you would have difficulty paying back an additional loan. They may also indicate that you have not managed your debt effectively. Lower balances indicate to lenders that you will be more likely to pay back any new loans. Paying down some of your balances without increasing debt in other accounts should help improve your score.
The total credit extended to you in your 1 bank installment loan(s) is impacting your credit score.
Installment loans are loans that have equal payments over a fixed period. The full loan amount is given to the borrower at the beginning of the term and the borrower then makes payments until the loan in repaid. Mortgages, auto loans, and furniture loans are examples of installments. Lenders like to see a good mix of account types and loans on a credit report with all accounts showing good payment history. They want to see that other lenders have extended you credit and that you have managed it with care. A low amount of credit extended in any one type of account may indicate an inability to establish credit. It may also make it difficult to gauge credit worthiness and your ability to manage debt. An additional account of this type or a higher limit from one of your existing accounts may help increase your score. However, taking on more debt than you can handle will almost always negatively impact your score to a greater degree than not having enough debt.
The total balance of the active 2 installment account(s) on your credit report is too close to the total original loan amount(s).
Installment loans are loans that have equal payments over a fixed period. The full loan amount is given to the borrower at the beginning of the term and the borrower then makes payments until the loan in repaid. Mortgages, auto loans, and furniture loans are examples of installments. Higher amounts of outstanding debt in relation to credit limits can indicate that you are a credit risk. High debt to limit ratios may indicate that you are having trouble paying back your existing debt or that you would have trouble if you added another account. They may also indicate that you have not managed your debt effectively. Lenders typically like to see balances that total less than 50% of your credit limits with less than 30% being optimal. Paying down some of your balances without increasing debt in other accounts should help improve your score.
The total credit extended to you in your 0 retail account(s) is impacting your credit score.
These are revolving accounts issued by retail stores (e.g. clothing, electronics, and sporting goods stores that offer a charge card). They are typically accessed via a credit card. There is a credit limit, the balance can be carried over from month to month, and the minimum monthly payment is calculated on a percentage of the unpaid balance. Lenders like to see a good mix of account types and loans on a credit report with all accounts showing good payment history. They want to see that other lenders have extended you credit and that you have managed it with care. A low amount of credit extended in any one type of account may indicate an inability to establish credit. It may also make it difficult to gauge credit worthiness and your ability to manage debt. An additional account of this type or a higher limit from one of your existing accounts may help increase your score. However, taking on more debt than you can handle will almost always negatively impact your score to a greater degree than not having enough debt.
The oldest account on your credit report or the average length of all open accounts on your credit report is only 191 month(s).
Lenders like to see all accounts reflect a good payment history over time. Recently opened accounts can indicate an increase in available credit and other changes to your overall credit picture. Lenders typically like to see how you handle your available credit and recently opened accounts may make it difficult to gauge credit worthiness and your ability to manage debt. The time frames for considering an account recent are typically short (6-12 months). If you pay your bills on time for these and all other accounts, their negative impact on your score should go away.
Confidential Credit Smart Score (Smart Score) is provided solely as a tool to assist you in better understanding how lenders evaluate your credit reports. The score is for educational purposes only, and does not qualify you for any loan. Your lender may use a scoring model that differs from the one used by Smart Score. As a result, your Smart Score and the factors we have identified as contributing to your Smart Score may vary from the score produced by your lender's scoring model and the score factors identified by that model. In addition, a credit score is only one of many factors used by a lender in underwriting loans, and such other factors may affect a lender's credit decision. Each lender has its own underwriting criteria, and the weight given to a particular credit score by lenders may differ.
The explanatory materials accompanying your Smart Score are not intended to be a "quick fix" for improving your credit score. Since under most scoring models, in order to improve your credit score, you must concentrate on paying your bills on time, paying down outstanding balances, maintaining the proper amount and mix of debt, and developing a consistent track-record of being able to handle your accounts over a significant period of time, it is likely to take some time to meaningfully improve your credit score. Moreover, the operation of the factors used credit scores is complex, and a change intended to improve a specific factor may backfire and result in an overall decline the score. For example, while opening new accounts may improve a person's debt mix, it may also lower the average account age and increase the amount of debt owed resulting in an overall lower credit score.
The explanatory materials are general in nature, and should not be construed as advice in handling your financial problems or making financial decisions. If you are having trouble paying your bills, you should contact a non-profit or other legitimate credit counselor. Rather, the explanatory materials have been provided solely to help you understand how specific features in your credit report are reflected in your Smart Score. Therefore, you should use the materials for educational purposes only.
Your credit score is based on information from your 1-bureau (TransUnion) credit report. The higher your score is, the better chance you have of getting the credit you apply for.
Your credit score based on your TransUnion report is 708 on a scale of 352-848 .
Your Score
Your credit report reflects 3 account(s) in good standing, and have been open for over 6 months.
Satisfactory accounts are accounts that meet a number of criteria that lenders look for in order to assess credit worthiness. They are open accounts that are not currently late. They should not show previous derogatory information (payments 30 days or more late in history). Typically they are only considered if they have been on your credit report for a minimum amount of time (6 months - 2 years). Lenders want to see that other lenders have extended you credit and that you have managed it with care. A low number of satisfactory accounts may indicate an inability to establish credit. It may also make it difficult to gauge credit worthiness and your ability to manage debt. Keep all of your accounts current and try to maintain longer relationships with a few lenders as opposed to closing and opening new accounts on a regular basis.
Confidential Credit Smart Score (Smart Score) is provided solely as a tool to assist you in better understanding how lenders evaluate your credit reports. The score is for educational purposes only, and does not qualify you for any loan. Your lender may use a scoring model that differs from the one used by Smart Score. As a result, your Smart Score and the factors we have identified as contributing to your Smart Score may vary from the score produced by your lender's scoring model and the score factors identified by that model. In addition, a credit score is only one of many factors used by a lender in underwriting loans, and such other factors may affect a lender's credit decision. Each lender has its own underwriting criteria, and the weight given to a particular credit score by lenders may differ.
The explanatory materials accompanying your Smart Score are not intended to be a "quick fix" for improving your credit score. Since under most scoring models, in order to improve your credit score, you must concentrate on paying your bills on time, paying down outstanding balances, maintaining the proper amount and mix of debt, and developing a consistent track-record of being able to handle your accounts over a significant period of time, it is likely to take some time to meaningfully improve your credit score. Moreover, the operation of the factors used credit scores is complex, and a change intended to improve a specific factor may backfire and result in an overall decline the score. For example, while opening new accounts may improve a person's debt mix, it may also lower the average account age and increase the amount of debt owed resulting in an overall lower credit score.
The explanatory materials are general in nature, and should not be construed as advice in handling your financial problems or making financial decisions. If you are having trouble paying your bills, you should contact a non-profit or other legitimate credit counselor. Rather, the explanatory materials have been provided solely to help you understand how specific features in your credit report are reflected in your Smart Score. Therefore, you should use the materials for educational purposes only.
