Needed PDF

9/22/2016 FreeScoresAndMore
Preparedfor:LUCYEGUERRA|ReportDate:9/22/2016(GMT)
PersonalProfile
Below is your personal information as it appears in your credit le. This information includes your legal name,
current and previous addresses, employment information and other details.
Experian Equifax TransUnion
Name: LUCY GUERRA LUCY E GUERRA LUCY E GUERRA

Also Known As: LUCY PAZ LUCY E PAZ-GUERRA GUERRA,ELVIA,LUCY
Year of Birth: 1946 1946 1946
4129 W VOGEL AVE, PHOENIX, 4129 W VOGEL AVE, PHOENIX, 4129 VOGEL AV, PHOENIX, AZ
AZ 85051-1074 AZ 85051 85051
9440 N 42ND AVE, PHOENIX, AZ 9440 N 42ND AVE, PHOENIX, AZ 9440 42ND AV, PHOENIX, AZ
Address(es): 85051-1003 85051 85051
3856 W PURDUE AVE, 4006 W CAROL AVE, PHOENIX, 3856 PURDUE AV, PHOENIX, AZ
PHOENIX, AZ 85051-3374 AZ 85051 85051
Current Employer: RETIRED IL DEPT OF REHAB MAGEE & ASSOC

Previous Employer(s): OFFICE OF REHAB ILL DEPT OF REHAB RETIRED
CreditSummary
Below is an overview of your present and past credit status including open and closed accounts and balance
information.
Real Estate Accounts:

Count: 3 4 3
Balance: $388,244.00 $388,244.00 $388,244.00
Current:
Closed:
Revolving Accounts:
Count: 5 4 5
Balance: $20,147.00 $20,147.00 $20,147.00
Current:
Closed:
Installment Accounts:
Count: 1 1 1
Balance: $3,180.00 $3,180.00 $3,180.00
Current:
Closed:
Other Accounts:
Count: 11 9 11
Balance:
Current:
Closed:
Derogatory Summary:
Inquiries: 6 8 6
https://www.freescoresandmore.com/ViewCreditReport.html?RPID=cb005a55e5e7e61d4c84e1c4f1b29547 1/38
Public Records: 0 2 0
Collections Accounts: 2 1 2
Current Delinquencies: 1 1 1
Prior Delinquencies: 3 1 3
PublicRecords
Below is an overview of your public records and can include details of bankruptcy lings, court records, tax liens
and other monetary judgments. Public records typically remain on your Credit Report for 7 - 10 years.

Public Record Type: Judgement
Date Filed: 4/1/2011
Amount: $2,641.00
Case Number: CC2011000736RC
Plaintiff: SKYSTREAK LLC
ECOA:

Public Record Type: Civil judgement
Amount:
Case Number: 011000736RC
Plaintiff: SKYSTREAK LLC
ECOA:

Public Record Type: Judgement
Amount: $3,175.00
Case Number: CC2011085039RC
Plaintiff: AZCAR CAPITAL INC
ECOA:

Public Record Type: Civil judgement
Amount:
Case Number: 011085039RC
Plaintiff: AZCAR CAPITAL INC
ECOA:
CreditInquiries
Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries
such as these can remain on your credit le for up to two years.
CBCINNOVIS
Mortgage Reporters
4/13/2016
EMS-HOMEWD
Miscellaneous Reptg.
Agencies
4/13/2016
CIC
Agencies
4/13/2016
CIC CREDIT
Mortgage Reporters
4/13/2016
EQUIFAX MTG
Mortgage Reporters
4/13/2016
THD/CBNA
Personal Loans Cos.
4/11/2016
EMS-HOMEWD
Agencies
3/30/2016
EQUIFAX MORTGAGE SERVI
Mortgage Reporters
3/30/2016
US BANK
Banks and S&Ls
11/17/2015
CREDIT ONE BANK NA
Bank Credit Cards
8/3/2015
THD/CBNA
Personal Loans Cos.
6/4/2015
CLC/QUICKN
Finance, personal
1/8/2015
CAMLBK TOYOT
Automotive
10/25/2014
CAMELBACK TOYOTA
Automotive - non specic
10/25/2014
ALHAMBRA CREDIT UNION
Credit Unions
10/21/2014
AccountHistory
Below is information on any accounts you may have opened in the past. Accounts that are paid as agreed can
remain on your report for up to 10 years from the date of last activity. Typically, a consumer reporting agency will
not report negative information that is more than seven years old, or bankruptcies that are more than 10 years
old.

Account Name: RSI ENTERPRISES-RSIMD

Account Number: 731118X 731118X
Collection Department / Agency / Collection Account
Account Type:
Attorney
Account Status: Closed Closed
Monthly Payment:
Date Opened: 11/1/2014 11/1/2014
Balance: $46.00 $46.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $46.00
Seriously past due date / Unpaid
assigned to attorney, collection
Payment Status:
agency, or credit grantor's
internal collection department
MEDICAL
Comments: Unpaid

24-Month Payment History
Date: Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16 16 16

KD ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND KD
Experian:

Equifax:

TransUnion:
WESTERN DENTAL SERVICES INC2
AARGON COLLECTION AGEN WESTERN DENTAL SERVICES

Account Name:
INC2
Account Number: 374402XXXX 374402XXXX
Collection Department / Agency / Collection Account
Account Type:
Attorney
Account Status: Closed Open
Monthly Payment:
Date Opened: 12/1/2011 12/9/2011
Balance: $716.00 $716.00
Terms: Unknown
High Balance:
Limit:
Past Due: $716.00
Seriously past due date /
assigned to attorney, collection
Payment Status:
agency, or credit grantor's
internal collection department
Placed for collection
Comments:

Date: Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb
10 10 10 10 10 10 10 10 10 10 11 11 11 11 11 11 11 11 11 11 11 11 12 12

ALHAMBRA CU Equifax: KD ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND KD
Experian:


Account Name: ALHAMBRA CREDIT UNION ALHAMBRA CREDIT UNIO ALHAMBRA CU
Account Number:
TransUnion: 484100XXXXXXXXXX 484100XXXXXXXXXX 484100XXXXXX
Account Type: Credit Card - Revolving Terms Revolving or Option Revolving account
Account Status: Open Open Open
Monthly Payment: $25.00
Date Opened: 1/1/2015 1/1/2015 1/22/2015
Balance: $0.00 $0.00 $0.00
Terms: Revolving
High Balance: $94.00 $94.00
Limit: $100.00 $100.00 $100.00
Past Due: $0.00
Payment Status: Current Pays account as agreed Paid or paying as agreed
CREDIT CARD
Comments:

Date: Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul
14 14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian:
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax:
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion:
SEARS/CBNA
Account Name: CBNA SEARS/CBNA

Account Number: 504994XXXXXX 504994XXXXXX
Account Type: Revolving Charge Account Revolving account
Monthly Payment:
Date Opened: 4/1/1983 4/1/1983
Balance: $0.00
Terms: Revolving
High Balance: $2,349.00 $2,349.00
Limit: $250.00 $250.00
Past Due: $0.00
Payment Status: Paid satisfactorily Paid or paying as agreed
Credit line closed-grantor Canceled by credit grantor
Comments: request-reported by subscriber

14 14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16

Experian:

Equifax:
TransUnion:
CBNA
Account Name: CBNA

Account Number: 525650XXXXXXXXXX
Account Type: Credit Card - Revolving Terms
Account Status: Closed
Monthly Payment:
Date Opened: 11/1/2005
Balance:
Terms: Revolving
High Balance:
Limit: $500.00
Past Due:
Payment Status: Paid satisfactorily
Credit line closed-grantor
Comments: request-reported by subscriber

Date: Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun
06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08 08

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK ND OK OK OK
Experian:

Equifax:

TransUnion:
THD/CBNA
Account Name: CBNA THD/CBNA THD/CBNA

Account Number: 603532XXXXXXXXXX 603532XXXXXXXXXX 603532XXXXXX
Account Type: Revolving Charge Account Revolving or Option Revolving account
Monthly Payment: $25.00 $25.00 $25.00
Date Opened: 6/1/2015 6/1/2015 6/4/2015
Balance: $472.00 $472.00 $472.00
Terms: Revolving Minimum
High Balance: $2,570.00 $2,570.00
Limit: $2,700.00 $2,700.00 $2,700.00
Past Due: $0.00
CHARGE
Comments:

Date: Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug
14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16 16

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian:
Equifax:
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion:
CCB/HSN
Account Name: COMENITY CAPITAL/HSN COMENITY CAPITAL/HSN CCB/HSN

Account Number: 578097XXXXXX 578097XXXXXX 578097XXXXXX
Account Type: Revolving Charge Account Revolving or Option Revolving account
Monthly Payment: $29.00 $29.00 $29.00
Date Opened: 6/1/2016 6/1/2016 6/13/2016
Balance: $583.00 $583.00 $583.00
High Balance: $583.00 $583.00
Limit: $3,750.00 $3,750.00 $3,750.00
Past Due: $0.00
CHARGE
Comments:

14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16 16

OK OK
Experian:
Equifax:
OK OK
TransUnion:
CHASE CARD
Account Name: CHASE CARD CHASE BANK USA, NA CHASE CARD

Account Number: 540168XXXXXX 540168XXXXXX 540168XXXXXX
Account Status: Closed Closed Closed
Monthly Payment:
Date Opened: 10/1/2007 10/1/2007 10/16/2007
Balance: $0.00 $0.00
Terms: Revolving
High Balance: $2,000.00 $0.00
Limit: $2,000.00 $2,000.00
Past Due: $0.00
Payment Status: Paid satisfactorily Pays account as agreed Paid or paying as agreed
Credit line closed-grantor PAID ACCOUNT / ZERO Canceled by credit grantor
request-reported by subscriber BALANCE
Comments: ACCOUNT CLOSED BY CREDIT
GRANTOR

Date: Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
06 06 06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08

OK OK OK OK OK
Experian:
Equifax:
OK OK OK OK OK
TransUnion:
CITIBANK CBNA
Account Name: CITIBANK CBNA

Account Number: 525650XXXXXXXXXX
Account Type: Revolving or Option
Monthly Payment:
Balance: $0.00
Terms:
High Balance: $500.00
Limit:
Past Due:
Payment Status: Pays account as agreed
PAID ACCOUNT / ZERO
BALANCE
GRANTOR

Date: Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan
12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13 13 14

Experian:
Equifax:

TransUnion:
CMRE. 877-572-7555
Account Name: CMRE. 877-572-7555

Account Number: T790VAXXXXXXXXXXXXXX
Collection Department / Agency /
Account Type:
Attorney
Monthly Payment:
Balance:
Terms: 1 Month
High Balance:
Limit:
Past Due:
Paid, was a collection account,
insurance claim or government
Payment Status:
claim or was terminated for
default
Comments:
10 10 10 11 11 11 11 11 11 11 11 11 11 11 11 12 12 12 12 12 12 12 12 12

KD ND OK
Experian:

Equifax:

TransUnion:
CREDITONEBNK
Account Name: CREDIT ONE BANK NA CREDIT ONE BANK CREDITONEBNK

Account Number: 444796XXXXXXXXXX 444796XXXXXXXXXX 444796XXXXXX
Monthly Payment: $25.00 $25.00 $25.00
Date Opened: 8/1/2015 8/1/2015 8/10/2015
Balance: $323.00 $323.00 $214.00
High Balance: $633.00 $633.00
Limit: $1,000.00 $1,000.00 $750.00
Past Due: $0.00
CREDIT CARD
Comments:

14 14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16

OK OK OK OK OK OK OK OK OK OK OK OK
Experian:
Equifax:
OK OK OK OK OK OK OK OK OK OK OK
TransUnion:
MEDICAL
Account Name: MEDICAL

Account Number: 522493XXXXXXX
Account Type: Installment account
Account Status: Open
Monthly Payment:
Balance:
Terms:
Limit:
Past Due:
Payment Status: 90 days past due
Comments:
08 08 08 08 09 09 09 09 09 09 09 09 09 09 09 09 10 10 10 10 10 10 10 10

Experian:

Equifax:
60
TransUnion:
MEDICAL PAYMENT DATA
Account Name: MEDICAL PAYMENT DATA

Account Number: 90VANEXXXXXXXXXXXX
Account Type: Collection Account
Monthly Payment:
Balance: $0.00
Terms:
High Balance:
Limit:
Past Due:
Payment Status:
Paid collection
Comments:

Date: Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
- - - - - - - - - - - - - - - - - - - - - - - -

Experian:

Equifax:

TransUnion:
NOVASTAR MTG
Account Name: NOVASTAR FINANCIAL NOVASTAR MORTGAGE NOVASTAR MTG

Account Number: 361000XXXXXXX 361000XXXXXXX 361000XXXXXXX
Conventional Real Estate Loan, Real Estate Mortgage account
Account Type:
Including Purchase Money First
Account Status: Closed Open Closed
Monthly Payment: $992.00 $992.00
Date Opened: 8/1/2006 8/1/2006 8/25/2006
Balance: $0.00 $0.00
Terms: 360 Months 360 Months
High Balance: $105,000.00 $105,000.00
Limit:
Past Due: $0.00
Account transferred to another Pays account as agreed Paid or paying as agreed
Payment Status:
ofce
Transferred to another lender or ACCOUNT TRANSFERRED OR Transferred to another lender
claim purchased SOLD
Comments:
REAL ESTATE MORTGAGE

Date: Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct
05 05 06 06 06 06 06 06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07

OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian:
Equifax:
OK OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion:
OCWEN LOAN
Account Name: OCWEN LOAN SERVICING L OCWEN LOAN SERVICING OCWEN LOAN
Account Number: 719648XX 719648XX 719648XX
Account Type:
Monthly Payment: $954.00 $954.00 $954.00
Date Opened: 8/1/2006 8/1/2006 8/25/2006
Balance: $94,156.00 $94,156.00 $94,156.00
High Balance: $105,000.00 $105,000.00
Limit:
Past Due: $0.00
Current, was past due 30 days Pays account as agreed Paid or paying as agreed
Payment Status:
three times
Comments: CONVENTIONAL MORTGAGE

Date: Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun
14 14 14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16

Experian:
Equifax:
TransUnion:
PRSM/CBNA
Account Name: PRSM/CBNA

Account Number: 525650XXXXXX
Account Type: Revolving account
Monthly Payment:
Balance: $0.00
Terms:
High Balance: $0.00
Limit: $500.00
Past Due: $0.00
Payment Status: Paid or paying as agreed
Canceled by credit grantor
Comments:

Date: Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan
12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13 13 14

Experian:

Equifax:
OK OK ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion:
SAXON MTG
Account Name: SAXON MORTGAGE SERVICE SAXON MORTGAGE SERVI SAXON MTG
Account Number: 200039XXXX 200039XXXX 200039XXXX
Account Type:
Account Status: Closed Open Closed
Monthly Payment: $1,069.00 $1,069.00
Date Opened: 8/1/2006 8/1/2006 8/25/2006
Balance: $0.00 $0.00
High Balance: $105,000.00 $105,000.00
Limit:
Past Due: $0.00
Account transferred to another Pays account as agreed Paid or paying as agreed
Payment Status:
ofce
Transferred to another lender or ACCOUNT TRANSFERRED OR Transferred to another lender
claim purchased SOLD
Comments:

Date: May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
08 08 08 08 08 08 08 08 09 09 09 09 09 09 09 09 09 09 09 09 10 10 10 10

OK ND OK OK OK OK ND ND ND ND ND ND ND ND ND ND ND ND ND ND OK OK OK OK
Experian:
Equifax:
60 OK OK OK OK
TransUnion:
SEARS/CBNA
Account Name: SEARS/CBNA

Monthly Payment:
Balance: $0.00
Terms:
Limit:
Past Due:
PAID ACCOUNT / ZERO
BALANCE
GRANTOR

14 14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16

Experian:
Equifax:
TransUnion:
SYNCB/JCP
Account Name: SYNCB/JCP

Account Type: Revolving Charge Account
Monthly Payment:
Balance:
Terms: Revolving
Limit: $0.00
Past Due:
Comments:
Date: Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
10 10 10 10 10 10 10 10 10 11 11 11 11 11 11 11 11 11 11 11 11 12 12 12

Experian:

Equifax:

TransUnion:
SYNCB/SAMS CLUB
Account Name: SYNCB/SAMS CLUB

Account Type: Revolving Charge Account
Monthly Payment:
Balance:
Terms: Revolving
Limit: $0.00
Past Due:
Comments:
06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08 08 08 08 08 08

Experian:

Equifax:

TransUnion:
TOYOTA MTR
Account Name: TOYOTA MOTOR CREDIT CO TOYOTA MOTOR LEASING TOYOTA MTR
Account Number: 30682CXXXX 30682CXXXX 30682CXXXX
Account Type: Auto Lease Installment Installment account
Monthly Payment: $265.00 $265.00 $265.00
Date Opened: 10/1/2014 10/1/2014 10/25/2014
Balance: $3,180.00 $3,180.00 $3,180.00
High Balance: $8,807.00 $8,807.00
Limit:
Past Due: $0.00
AUTO
Comments: LEASE

14 14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian:
Equifax:
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion:
TRIBUTE
Account Name: TRIBUTE

Monthly Payment:
Balance: $0.00
Terms:
High Balance: $1,756.00
Limit: $1,750.00
Past Due: $0.00
Payment Status: Paid or paying as agreed
Canceled by credit grantor
Comments:

- - - - - - - - - - - - - - - - - - - - - - - -

Experian:

Equifax:

TransUnion:
WFHE
Account Name: WELLS FARGO BANK NV NA WELLS FARGO HOME EQU WFHE
Account Number: 681681XXXXXXXXXXX 681681XXXXXXXXXXX 681681XXXXXXX

Home Equity Line Of Credit - Revolving or Option Overdraft / reserve checking
Account Type:
Revolving Terms account
Monthly Payment: $70.00 $70.00 $70.00
Date Opened: 11/1/2006 11/1/2006 11/27/2006
Balance: $18,769.00 $18,769.00 $18,769.00
High Balance: $23,399.00 $19,112.00 $23,399.00
Limit: $19,112.00 $19,112.00
Past Due: $0.00
HOME EQUITY
Comments:

14 14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian:
Equifax:
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion:
WFHM
Account Name: WELLS FARGO HM MORTGAG WELLS FARGO HOME MOR WFHM
Account Type:
Monthly Payment: $1,015.00 $1,015.00 $1,015.00
Date Opened: 3/1/2006 3/1/2006 3/6/2006
Balance: $154,739.00 $154,739.00 $154,739.00
High Balance: $199,200.00 $199,200.00
Limit:
Past Due: $0.00
Comments:

14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16 16

OK OK OK OK OK OK OK OK
Experian:
Equifax:
TransUnion:
WFHM
Account Name: WELLS FARGO HM MORTGAG WELLS FARGO HOME MOR WFHM
Account Type:
Monthly Payment: $1,016.00 $1,016.00 $1,016.00
Date Opened: 2/1/2006 2/1/2006 2/28/2006
Balance: $139,349.00 $139,349.00 $139,349.00
High Balance: $172,900.00 $172,900.00
Limit:
Past Due: $0.00
Comments:

14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16 16

Experian:
Equifax:
TransUnion:
WFHM
Account Name: WELLS FARGO HOME MOR WFHM

Account Number: 512004XXXXXXX 512004XXXXXXX
Account Type: Real Estate Mortgage account
Account Status: Open Closed
Monthly Payment: $1,003.00 $1,003.00
Date Opened: 2/1/2006 2/28/2006
Balance: $0.00 $0.00
Terms: 528 Months
High Balance: $172,900.00 $172,900.00
Limit:
Past Due: $0.00
Payment Status: Pays account as agreed Paid or paying as agreed
ACCOUNT TRANSFERRED OR Transferred to another lender
SOLD
Comments:

13 13 13 14 14 14 14 14 14 14 14 14 14 14 14 15 15 15 15 15 15 15 15 15

Experian:
Equifax:
TransUnion:
WFHM
Account Name: WELLS FARGO HOME MOR WFHM

Account Number: 512004XXXXXXX 512004XXXXXXX
Account Type: Real Estate Mortgage account
Account Status: Open Closed
Monthly Payment: $1,055.00 $1,055.00
Date Opened: 3/1/2006 3/6/2006
Balance: $0.00 $0.00
Terms: 516 Months
High Balance: $199,200.00 $199,200.00
Limit:
Past Due: $0.00
Payment Status: Pays account as agreed Paid or paying as agreed
ACCOUNT TRANSFERRED OR Transferred to another lender
SOLD
Comments:

13 13 13 14 14 14 14 14 14 14 14 14 14 14 14 15 15 15 15 15 15 15 15 15

Experian:
Equifax:
TransUnion:
WELLS FARGO HOME MOR
Account Name: WELLS FARGO HOME MOR

Account Status: Open
Monthly Payment: $75.00
Balance: $0.00
Terms:
Limit:
Past Due:
ACCOUNT TRANSFERRED OR
SOLD
Comments:
HOME EQUITY

13 13 13 13 13 13 13 13 14 14 14 14 14 14 14 14 14 14 14 14 15 15 15 15

Experian:
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30
Equifax:

TransUnion:
WFF CARDS
Account Name: WFF CARDS

Monthly Payment:
Balance: $0.00
Terms:
Limit: $1,250.00
Past Due: $0.00
Payment Status:
Settled; less than full balance
Comments:

- - - - - - - - - - - - - - - - - - - - - - - -

Experian:

Equifax:

TransUnion:
WFHM
Account Name: WFHM WFHM

Account Number: 512004XXXXXXX 512004XXX
Home Equity Line Of Credit - Overdraft / reserve checking
Account Type:
Revolving Terms account
Monthly Payment:
Date Opened: 11/1/2006 11/27/2006
Balance: $0.00
Terms: Revolving
High Balance: $23,399.00 $23,399.00
Limit: $19,112.00 $19,112.00
Past Due: $0.00
Account transferred to another Paid or paying as agreed
Payment Status:
ofce
Transferred to another lender or Transferred to another lender
Comments: claim purchased

13 13 13 13 13 13 13 13 14 14 14 14 14 14 14 14 14 14 14 14 15 15 15 15

Experian:

Equifax:
TransUnion:
WFHM
Account Name: WFHM

Conventional Real Estate Loan,
Account Type:
Monthly Payment:
Balance:
Terms: 528 Months
High Balance:
Limit:
Past Due:
Account transferred to another
Payment Status:
ofce
Transferred to another lender or

13 13 14 14 14 14 14 14 14 14 14 14 14 14 15 15 15 15 15 15 15 15 15 15

Experian:

Equifax:

TransUnion:
WFHM
Account Name: WFHM

Conventional Real Estate Loan,
Account Type:
Monthly Payment:
Balance:
Terms: 516 Months
High Balance:
Limit:
Past Due:
Account transferred to another
Payment Status:
ofce
Transferred to another lender or

13 13 14 14 14 14 14 14 14 14 14 14 14 14 15 15 15 15 15 15 15 15 15 15

Experian:

Equifax:

TransUnion:
WILSHIRE CRD
Account Name: WILSHIRE CREDIT CORP WILSHIRE CREDIT CORP WILSHIRE CRD
Account Number: 172358X 172358X 172358X
Account Type:
Account Status: Closed Closed Closed
Monthly Payment: $1,028.00 $1,028.00
Date Opened: 11/1/2005 11/1/2005 11/15/2005
Balance: $0.00 $0.00
High Balance: $164,000.00 $164,000.00
Limit:
Past Due: $0.00
Payment Status: Paid satisfactorily Pays account as agreed Paid or paying as agreed
PAID ACCOUNT / ZERO Closed
BALANCE
Comments:

Date: Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb
05 05 05 05 05 05 05 05 05 05 06 06 06 06 06 06 06 06 06 06 06 06 07 07

Experian:
Equifax:
TransUnion:
CreditScore
Your Credit Score is a representation of your overall credit health. Most lenders utilize some form of credit
scoring to help determine your credit worthiness
Basedonyourcreditreportdated09/22/2016
CreditXpertScore onEquifax
Best
850
Betterthan Whatyoucanexpect:
697
FAIR
40%
ofU.S.population
Difficultyqualifyingforthebestoffersfrom
lenders
Higherfeesandinterestrates
Difficultyobtaininghighcreditlimitsandloan
350
amounts
Worst
Q: WhatshouldIknowaboutcreditscores?
A: Yourcreditscoresarebasedontheinformationinyourcreditbureaureports.Thehigher
yourcreditscores,thebetter.Withahighercreditscore,youaremorelikelytobeeligible
forthebestcreditcardandloanoffers,includingtermsandconditions,suchasinterest
rates,fees,andbenefits.Keepinmindthatlendersreviewotherfactors(suchasincome
andmonthlypayments)inadditiontocreditscoreswhenevaluatingcreditapplications.
NEGATIVEFACTORS
Therearebothpositiveandnegativefactorsthatinfluenceyourcreditscore.Themostimportantfactors
arelistedbelow,inorderofimportance.Thesefactorsvaryinhowstronglytheyimpactyourcreditscore.
Forexample,ifyouhaveaveryhighcreditscore,thenegativefactorsinyouranalysisarelikelytohave
asmallimpact.Thesameistrueforpositivefactorsifyouhaveaverylowcreditscore. Additionaldetails
areprovidedforsomefactorstohelpyoubetterunderstandhowtheyrelatetoyourcreditaccounts.
1. Your most recent collection account or negative public record is 1 year and
10monthsold.
Thislowersyourscore.Havingacollectionaccountoranegativepublicrecord(suchasa
bankruptcyoracourtjudgmentagainstyou)onyourreportisanegativefactor.Collection
accounts demonstrate a pattern of not paying your bills. Negative public records are legal
obligationsthathavepriorityoveryourdebts,sotheymayimpactyourabilitytorepayyour
debts. Public records (other than bankruptcy) often result from unpaid bills for which
creditorsfilelawsuitsinordertobepaid.Ascollectionaccountsornegativepublicrecords
getolder,theyarelessharmfultoyourcreditscores.Ifyouhavenothadanynewcollection
accountsornegativepublicrecordsreportedrecently,lendersmayconsiderthatyouhave
regainedcontrolofyourfinancialsituation.Inanycase,theserecordswillsignificantlyaffect
yourabilitytogetnewcreditaccounts.Youmayberequiredtomakeadepositand/orpay
higherfeesandinterestrates.
DateFiledorFirst Institution, DateLast

Comment
Reported ReferenceNumber Reported
Collection
11/2014 731**** 09/2016
account.
2. You were late with your payments or were derogatory 1 year and 5 months
ago.
Thisonlyincludesaccountsforwhichthepaymenthistorywasreported.
This lowers your score. Any history of late payments (including missed payments and
derogatorypaymentstatuses)isanegativefactor.Somecasesoflatepaymentsareworse
thanothers.Ifyouhavenotbeenlatewithanypaymentsrecently,lendersmaythinkyouare
responsibleanddonot(orwillnolonger)misspayments.Lendersrealizethatmanypeople
occasionallypaylate.Therefore,beinglatewithasinglepaymentistypicallynotasharmful
as being late with two or more consecutive payments. Similarly, being late on many
accounts is typically worse than being late on just one. Also, lenders may view late
payments as a more serious problem if you have collection accounts or negative public
recordssuchasbankruptciesorcourtjudgments.Thesetypesofcreditrecordsindicatea
patternofcreditproblems.Finally,itmaynotbeasharmfultobelatewithyourpaymentsif
thepastdueamountsaresmall,becauselendersstandtoloselessmoneyiftheyremain
unpaid.
PaymentStatus LendingInstitution, DateLast

Comment
Date AccountNumber Reported
WELLSFARGO
Was"30days
04/2015 HOMEMOR, 05/2015
late."
512004450****
3. You applied for credit 1 time(s) in the past 12 months, as recorded in this
creditreport.
Mortgageandautoloanapplicationswithinthelast30daysarenotcounted.Priortothis30
day window, all mortgage applications within a short period (14 or 45 days, depending on
thebureau)countasasingleapplication.Thisisalsotrueofapplicationsforautoloans.
This lowers your score. Applying for multiple credit accounts within a short period of time
canloweryourcreditscores.Whenyouapplyforanytypeofcredit(suchasanautoloan,
credit card, department store card, or mortgage), the lender considering your credit
application checks your credit history. This is recorded in your credit reports as a "hard
inquiry." Although inquiries are an unavoidable result of applying for credit, lenders dislike
seeingtoomanyinquirieswithinashortperiodoftime(suchas12months)becausethey
cannottellwhetheryouare"shopping"forthebestofferorifyouaredesperatelytryingto
obtaincreditbecauseoffinancialtrouble.
InquiryDate LendingInstitution
03/30/2016 EMSHOMEWD
POSITIVEFACTORS
1. Youhaveneverbeenseriouslylatewithyourpayments.
This raises your score. Any history of late payments (including missed payments and
unpaid.
2. You are not using 50% (or more) of your credit limit on any revolving
accounts.
Thisonlyincludesaccountsforwhichthecreditlimitorhighestbalanceisreported.Thisis
because if the credit limit is not reported, your highest balance is used instead. Also, this
onlyincludesaccountsthathavebeenupdatedbyyourlenderinthepast12months.
This raises your score. High usage (such as balances above 50% of the credit limit) is
usuallyconsiderednegativebecauselendersworrythatyoumaybeusingmorecreditthan
youcanreasonablyaffordtorepay.Infact,aslittleas15%usagemayloweryourscoreif
youhavenoseriousnegatives(suchaslatepayments)inyourreport.Being"maxedout"or
overlimit on a credit card (when your balance is close to or above the credit limit) is
particularlynegative.Themoreaccountsinthissituation,themoreitaffectsyourscores.On
the other hand, low usage is usually considered positive because it provides lenders with
informationonhowyouusecredit.Italsodemonstratesthatyoudonotneedtouseallof
thecreditavailabletoyou.However,notusingyourcreditaccountsatallmaybeconsidered
a negative factor, because it does not provide lenders with information about how you
typicallyusecreditandrepayyourdebts.
3. Youopenedyourfirstcreditaccount33yearsand5monthsago.
This raises your score. Having had credit accounts for a long time is a positive factor
because your credit history allows lenders to evaluate how you typically use credit and
repay your debts. Accounts that were opened 40 or more years ago are considered best.
Ontheotherhand,ifyouroldestaccountwasopenedupto7yearsago,yourcredithistory
maybeconsideredshort,andlessthan3yearsagoisoftenconsideredtoolittle.
Lending
DateLast
Age Institution, Comment
Reported
AccountNumber
33yearsand5 SEARS/CBNA, Openedon

08/2016
months 50499411**** 04/1983.
CreditXpertScore onExperian
Best
850
689
FAIR
35%
ofU.S.population
lenders
350
amounts
Worst
NEGATIVEFACTORS
1. Your most recent collection account or negative public record is 1 year and
10monthsold.

Comment
RSIENTERPRISES
Collection
11/2014 RSIMD, 09/2016
account.
731****
2.
You were late with your payments or were derogatory 1 year and 5 months
ago.
unpaid.
Lending
PaymentStatus DateLast
Institution, Comment
Date Reported
AccountNumber
WFHM, Was"30days
04/2015 05/2015
512004450**** late."
3. Onaverage,youareusing75%ofthecreditlimitonyourrevolvingaccounts.
onlyincludesaccountsthatareopenorhaveabalance,andonlyiftheyhavebeenupdated
byyourlenderinthepast12months.
This lowers your score. High usage (such as balances above 50% of the credit limit) is
% LendingInstitution, DateLast
Comment
Used AccountNumber Reported
WELLSFARGO
Creditlimitis$19,112.
98% BANKNVNA, 08/2016
Balanceis$18,769.
6816813774090****
CREDITONEBANK
Creditlimitis$1,000.Balance
32% NA, 09/2016
is$323.
444796229035****
CBNA, Creditlimitis$2,700.Balance
17% 09/2016
603532085240**** is$472.
COMENITY
Creditlimitis$3,750.Balance
15% CAPITAL/HSN, 09/2016
is$583.
578097958955****
ALHAMBRACREDIT
Creditlimitis$100.Balanceis
0% UNION, 09/2016
$0.
484100188502****
creditreport.
03/30/2016 EQUIFAXMORTGAGESERVI
04/13/2016 CICCREDIT
POSITIVEFACTORS
1. Youhaveneverbeenseriouslylatewithyourpayments.
unpaid.
2. Onaverage,youraccountswereopened10yearsago.
Thisonlyincludesaccountsforwhichthedateopenedisreported.
LendingInstitution, DateLast
Age Comment
AccountNumber Reported
COMENITY
Openedon
3months CAPITAL/HSN, 09/2016
06/2016.
578097958955****
CREDITONEBANK
1yearand1 Openedon
NA, 09/2016
month 08/2015.
444796229035****
1yearand3 CBNA, Openedon

09/2016
months 603532085240**** 06/2015.
ALHAMBRACREDIT
1yearand8 Openedon
UNION, 09/2016
months 01/2015.
484100188502****
TOYOTAMOTOR
1yearand11 Openedon
CREDITCO, 08/2016
months 10/2014.
30682C****
8yearsand11 CHASECARD, Openedon

04/2008
months 540168305990**** 10/2007.
WELLSFARGOBANK
9yearsand10 Openedon
NVNA, 08/2016
months 11/2006.
6816813774090****
9yearsand10 WFHM, Openedon

05/2015
months 512004450**** 11/2006.
NOVASTAR
FINANCIAL, 11/2007
month 08/2006.
361000265****
OCWENLOAN
SERVICINGL, 07/2016
month 08/2006.
7196****
SAXONMORTGAGE
SERVICE, 05/2010
month 08/2006.
200039****
WELLSFARGOHM
MORTGAG, 09/2016
months 03/2006.
708048402****

10/2015
months 512004188**** 03/2006.
WELLSFARGOHM
MORTGAG, 09/2016
months 02/2006.
708048402****

10/2015
months 512004190**** 02/2006.
10yearsand10 CBNA, Openedon

06/2008
months 525650030877**** 11/2005.
WILSHIRECREDIT
CORP, 03/2007
months 11/2005.
172****
14yearsand9 SYNCB/SAMSCLUB, Openedon

10/2008
months 60459920**** 12/2001.
24yearsand6 SYNCB/JCP, Openedon

03/2012
months 60088937**** 03/1992.
33yearsand5 CBNA, Openedon

11/2010
months 50499411**** 04/1983.
3. Youhaveatleastonerevolvingaccount.
This only includes accounts that are open or have a balance, and only if they have been
updatedbyyourlenderinthepast12months.
This raises your score. Having accounts listed in your credit reports is a positive factor
becausethepaymenthistoryoftheseaccountsshowslendershowwellyoupayyourbills.
Therefore,havingtoofewaccountsmaybeconsiderednegative.However,havingtoomany
accounts or adding new accounts too quickly may also be considered negative because
lendersworrythatyouarespending(orpreparingtospend)beyondyourmeans,evenifyou
haveneverbeenlatewithanypayments.Notethatclosingaccountswillnotimprovethis.
Also, if you do not currently have credit, getting your first few credit cards may be difficult
andmayinvolvehighfees,highinterestrates,andlowcreditlimits.Notethataccountsfrom
personal finance companies (which specialize in lending to people with credit problems)
maybeconsiderednegative.
LendingInstitution,
DateOpened DateLastReported
AccountNumber
WELLSFARGOBANKNVNA,
11/2006 08/2016
6816813774090****
ALHAMBRACREDITUNION,
01/2015 09/2016
484100188502****
CBNA,
06/2015 09/2016
603532085240****
CREDITONEBANKNA,
08/2015 09/2016
444796229035****
COMENITYCAPITAL/HSN,
06/2016 09/2016
578097958955****
CreditXpertScore onTransUnion
Best
850
674
FAIR
35%
ofU.S.population
lenders
350
amounts
Worst
NEGATIVEFACTORS
1. You were late with your payments or were derogatory 1 year and 5 months
ago.
unpaid.
Lending
PaymentStatus DateLast
Institution, Comment
Date Reported
AccountNumber
WFHM, Was"30days
04/2015 05/2015
51200**** late."
2. Youhaveatleastonecollectionaccountornegativepublicrecord.

Comment
RecofDeeds, Public
04/2011 04/2011
011000736RC record.
RecofDeeds, Public
07/2011 07/2011
011085039RC record.
AARGONAGNCY, Collection
12/2011 02/2012
374402**** account.
CMREFINANCE, Collection
05/2012 11/2015
90VANE03002134**** account.
creditreport.
11/17/2015 USBANK
04/13/2016 CBCInnovis
POSITIVEFACTORS
1. Noneofyourcreditaccountshasapastdueamount.
Thisonlyincludesaccountsthathavebeenupdatedbyyourlenderinthepast12months.
unpaid.
2. You are not using 50% (or more) of your credit limit on any revolving
accounts.
onlyincludesaccountsthathavebeenupdatedbyyourlenderinthepast12months.
This raises your score. High usage (such as balances above 50% of the credit limit) is
3. Youopenedyourfirstcreditaccount33yearsand5monthsago.
Lending
DateLast
Age Institution, Comment
Reported
AccountNumber
33yearsand5 SEARS/CBNA, Openedon

08/2016
months 50499411**** 04/1983.
CreditXpert3BureauComparison
YourcreditreportsfromEquifax,Experian,andTransUnionarealldatedSeptember22,2016.
The CreditXpert 3Bureau Comparison evaluates how the differences in your credit reports
affectyourabilitytogettheloansyouwant.Itcomparesyourcreditinformationfromeachofthe
three national credit bureaus (Equifax, Experian, and TransUnion). Seeing the similarities and
differences helps you ensure that your credit records are accurate at all three bureaus. The
CreditXpert 3Bureau Comparison also compares your CreditXpert Scores and the types
of positive and negative factors influencing these scores. This way, you can better understand
howlendersviewyourcredithistorynomatterwhichbureautheyusetomaketheirdecisions.
HIGHEST
CreditXpertScores
697 onEquifax
Fair
Yourscoredifference:typical
The difference between your highest and lowest
23
CreditXpert Score is 23 points, which is typical.
Middle Studies have shown that credit score differences of up
689 onExperian to 70 points across the three credit bureaus are not
Fair
points uncommon.Scoredifferencesaretypicallytheresultof
differentinformationinyourcreditreports.
LOWEST
Itisbettertohavesimilarcreditscoresbecauseyouare
674 onTransUnion
Fair more likely to get similar loans no matter which credit
bureau the lender uses. However, it is far more
importantforyoutohavethehighestpossiblescoreat
eachbureauthantohaveallscoresbethesame.
The following table compares the types of credit factors most important for you and indicates
whethertheyhaveapositiveornegativeimpactoneachofyourcreditscores.Positivefactors
raiseyourcreditscores,whilenegativefactorslowerthem.
Typeoffactor Equifax Experian TransUnion
Collectionaccounts
andpublicrecords
Creditaccounts +
Creditapplications
Credithistory + + +
Creditusage + +
Paymenthistory + + +
+=positivefactor=negativefactorblank=nofactor+=positiveandnegativefactor
YOURCREDITRECORDS
18%arereportedbyonlyonebureauthisistypical.
18%arereportedbytwoofthethreebureausthisistypical.
64%ofyourdistinctrecordsarereportedbyallthreecreditbureaus
thisistypical.
Notethatinquiriesarenotincludedwhenthesepercentagesarecalculated,becauseyoushould
notexpectallinquiriestomatchacrosscreditbureaus.Mortgagerelatedcreditapplicationsare
typicallytheonlyonesthatproduceaninquiryatallbureaus.
Yourcreditscoredifferencewilltendtobesmallerifmostofyourinformationisthesameatthe
three credit bureaus. However, keep in mind that a single difference in credit applications or
paymenthistorymaycreatealargescoredifference.
Record Distinct %in %in %in

Equifax Experian TransUnion
Type Records Equifax Experian TransUnion
Credit 23 18 20 21 78% 87% 91%

account
Inquiry 14 8 9 6 57% 64% 43%
Collection 3 1 3 2 33% 100% 67%

account
Public 2 2 0 2 100% 0% 100%
record
HIGHLIGHTEDDIFFERENCES
The following table summarizes the number of records that have significant differences in the
informationreportedacrossbureaus.
Numberof
TypeofInformation
Differences
Balance 11
Creditlimit/loanamount/highest 1
balance
Each credit bureau may report different information for the same credit records, and this can
affectyourcreditscores.Thefollowingtableliststhediscrepanciesthataremostlikelytoimpact
yourscores.Onlythemostwellknowntypesofinformationaredisplayed.Thesamerecordcan
be listed more than once if there are multiple discrepancies (such as the date opened and the
balance).
Remember,thefactthatonecreditscoremaybelowerthananotherdoesnotmeanthatallofthe
information reported by that credit bureau is worse than the information reported by the other.
Onepieceofinformationfromthebureauwithyourlowestscorecouldbemorepositivethanthe
correspondingpieceofinformationfromthebureauwithyourhighestscore.
Record Equifax Experian TransUnion

RecordName TypeofInformation
ID Value Value Value
5 CREDITONE Balance $323 $323 $214

BANKNA
5 CREDITONE Creditlimit/loan $1,000 $1,000 $750
BANKNA amount/highestbalance
12 CBNA Balance $0 ? $0
14 WFHM Balance $0 ? $0
17 CBNA Balance $0 ? $0
18 SAXON Balance $0 ? $0
MORTGAGE
SERVICE
19 CHASECARD Balance $0 ? $0
20 NOVASTAR Balance $0 ? $0
FINANCIAL
21 WILSHIRECREDIT Balance $0 ? $0
CORP
31 CMRE.877572 Balance ? $0
7555
hyphen()=recordnotreportedquestionmark(?)=recordisreportedbutinformationismissing.
IMPACTOFDIFFERENCES
Thefollowingtableliststherecords(accounts,inquiries,andpublicrecords)inyourcreditreports
atallthreecreditbureaus.Recordsreportedbymorethanonebureauarelistedasonesingle,
uniqueentry(eventhoughtheyoftenappearunderdifferentnames).
Different information at the credit bureaus will usually result in different credit scores, because
records may be reported differently (or not at all) by each bureau. The table below shows how
muchthesedifferencesimpactyourscores,sortedfromhightolowimpact.
HighImpactDifferences
Record Record Typesof
EquifaxName ExperianName TransUnionName
ID Type Differences
1 Collection (#731****) RSIENTERPRISESRSIMD

account (#731****)
10 Credit WELLSFARGOHOME WELLSFARGOBANKNV WFHE

account EQU NA(#6816813774090****) (#681681377****)
(#6816813774090****)
18 Credit SAXONMORTGAGE SAXONMORTGAGE SAXONMTG Balance

account SERVI(#200039****) SERVICE(#200039****) (#200039****)
32 Credit SYNCB/JCP
account (#60088937****)
33 Credit SYNCB/SAMSCLUB
account (#60459920****)
39 Credit WFFCARDS
account (#604870109006****)
40 Credit MEDICAL
account (#522493969****)
hyphen()=recordnotreportedquestionmark(?)=recordreportedbutnameismissingblank=nosignificant
differences,orreportedbyonlyonebureau.
ModerateImpactDifferences
Record Record TransUnion Typesof
EquifaxName ExperianName
ID Type Name Differences
13 Credit OCWENLOANSERVICING OCWENLOAN OCWENLOAN

account (#7196****) SERVICINGL(#7196****) (#7196****)
16 Credit WELLSFARGOHOMEMOR WFHM(#512004450****) WFHM Balance

account (#512004450****) (#51200****)
24 Inquiry CBCINNOVIS CBCINNOVIS CBCInnovis
42 Inquiry USBANK
LowImpactDifferences
Record Record Typesof
EquifaxName ExperianName TransUnionName
ID Type Differences
30 Collection AARGONCOLLECTION AARGONAGNCY

account AGEN(#374402****) (#374402****)
31 Collection CMRE.8775727555 CMREFINANCE Balance

account (#T790VANE03002134****) (#90VANE03002134****)
4 Credit ALHAMBRACREDIT ALHAMBRACREDIT ALHAMBRACU

account UNIO UNION (#48410018****)
(#484100188502****) (#484100188502****)
5 Credit CREDITONEBANK CREDITONEBANKNA CREDITONEBNK Credit

account (#444796229035****) (#444796229035****) (#444796229035****) limit/loan
amount/highest
balance,
Balance
6 Credit COMENITY COMENITYCAPITAL/HSN CCB/HSN

account CAPITAL/HSN (#578097958955****) (#57809795****)
(#57809795****)
7 Credit THD/CBNA CBNA THD/CBNA

account (#603532085240****) (#603532085240****) (#603532085240****)
8 Credit WELLSFARGO WELLSFARGOHM WFHM

account HOMEMOR MORTGAG (#708048402****)
(#708048402****) (#708048402****)
9 Credit WELLSFARGO WELLSFARGOHM WFHM

account HOMEMOR MORTGAG (#708048402****)
(#708048402****) (#708048402****)
11 Credit TOYOTAMOTOR TOYOTAMOTORCREDIT TOYOTAMTR

account LEASING CO(#30682C****) (#30682C****)
(#30682C****)
12 Credit SEARS/CBNA CBNA(#50499411****) SEARS/CBNA Balance

account (#50499411****) (#50499411****)
14 Credit WELLSFARGO WFHM(#512004190****) WFHM Balance

account HOMEMOR (#512004190****)
(#512004190****)
15 Credit WELLSFARGO WFHM(#512004188****) WFHM Balance

account HOMEMOR (#512004188****)
(#512004188****)
17 Credit CITIBANKCBNA CBNA PRSM/CBNA Balance

account (#525650030877****) (#525650030877****) (#525650030877****)
19 Credit CHASEBANKUSA, CHASECARD CHASECARD Balance

account NA (#540168305990****) (#540168305990****)
(#540168305990****)
20 Credit NOVASTAR NOVASTARFINANCIAL NOVASTARMTG Balance

account MORTGAGE (#361000265****) (#361000265****)
(#361000265****)
21 Credit WILSHIRECREDIT WILSHIRECREDITCORP WILSHIRECRD Balance

account CORP(#172****) (#172****) (#172****)
41 Credit TRIBUTE
account (#772313000564****)
22 Inquiry CIC CICCREDIT CICCREDIT
23 Inquiry EMSHOMEWD
25 Inquiry EMSHOMEWD
26 Inquiry CLC/QUICKN CREDCO/QUICKEN QUICKENLOAN

LOANS
27 Inquiry THD/CBNA
28 Inquiry THD/CBNA
29 Inquiry CAMELBACK CAMELBACKTOYOTA CAMLBKTOYOT

TOYOTA
34 Inquiry EQUIFAXMORTGAGE EQUIFAXMTG

SERVI
35 Inquiry EQUIFAXMORTGAGE
SERVI
36 Inquiry CREDITONEBANKNA
37 Inquiry TOYOTAMOTORCREDIT
CO
38 Inquiry ALHAMBRACREDIT
UNION
2 Public StateCt RecofDeeds

record (#CC2011000736RC) (#011000736RC)
3 Public StateCt RecofDeeds

record (#CC2011085039RC) (#011085039RC)
ThefollowinginformationappliestoallCreditXpertproducts.
TheinformationusedbyCreditXpertproductsisderivedfromoneormorecreditreportsproducedbythemajorcreditreportingagencies,alsocalled
credit bureaus. The information contained in credit reports reflects the latest information provided to and recorded by the credit bureaus. Recent
activity,suchasmakingapayment,openinganewaccount,orauthorizingacreditinquiry,maynotyetbereflectedintheperson'screditreports.If
not,thisactivitywillnotbereflectedinanyCreditXpertproducts.Inaddition,resultsmaychangeeverytimenewinformationisaddedtoorremoved
fromcreditreports,aswellaswiththepassageoftime.CreditXpertproductsareonlyasaccurateastheinformationuponwhichtheyarebased.
CreditXpertInc.isnotresponsibleforincorrect,missing,oroutdatedinformationincreditreports,whichmayleadtoinaccurateresults.Usersshould
carefullyreviewalloftheinformationincreditreportstomakesureitisaccurateanduptodate.NotethatCreditXpertInc.doesnotprovidefinancial
orotheradvice,andisnotacreditcounselingorcreditrepairorganization.
CreditXpert Scores are provided to help users better understand how lenders evaluate consumer credit reports. Lenders may use a different
score to evaluate a person's creditworthiness. Therefore, nothing in CreditXpert products is an endorsement or a determination of a person's
qualificationforaloan,achangeinloantermsoranyotherextensionofcreditbylenders.Eachlenderhasspecificunderwritingstandards,soa
personshouldnotassumethatheorshewillreceivethesameevaluation,credittermsorconditionsfromeachlender.Also,CreditXpertInc.isnot
connected in any way to Fair Isaac Corporation the CreditXpert Score is not a socalled FICO score. CreditXpert Inc. does not represent that
CreditXpert Scores are identical or similar to any specific credit scores produced by any other company. Moreover, score changes predicted by
CreditXpertproductsareonlyestimates.CreditXpertInc.doesnotguaranteethatcreditscoresfromanyothercompanywillchangebythesame
numberofpoints,ifatall.
Also,CreditXpertInc.doesnotrepresentthatpotentialproblemsfoundbyitssoftwareincreditreportsarereal,orthatcorrectingsuchitemswill
resultinchangestocreditscores.Furthermore,CreditXpertInc.providesinformationtohelpconsumersmaketheirowndecisionsitdoesnotadvise
anyonetodisputeanyiteminhisorhercreditreport.Moreover,CreditXpertproductsdonotchangeanyinformationinanycreditreport,nordothey
initiateanydisputesonanyone'sbehalf.
THEFOREGOINGINFORMATIONISNOTINTENDEDTOPROVIDEORIMPLYWARRANTIESOFANYKIND.CREDITXPERTPRODUCTSARE
PROVIDEDONAN"ASIS"BASIS,ANDCREDITXPERTINC.ANDITSSUPPLIERSDISCLAIMANYANDALLWARRANTIES,EITHEREXPRESS
ORIMPLIED,INCLUDINGBUTNOTLIMITEDTOANYWARRANTYOFMERCHANTABILITY,FITNESSFORAPARTICULARPURPOSE,NON
INFRINGEMENT,SYSTEMINTEGRATION,NONINTERFERENCEAND/ORACCURACYOFINFORMATIONALCONTENT.
Copyright20002016,CreditXpertInc.Allrightsreserved.CreditXpertisaregisteredtrademarkofCreditXpertInc.
SSv6.1:::CX7.3.4

Needed PDF

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Needed PDF

Uploaded by

Copyright:

Available Formats

9/22/2016 FreeScoresAndMore

Experian Equifax TransUnion

Name: LUCY GUERRA LUCY E GUERRA LUCY E GUERRA

Current Employer: RETIRED IL DEPT OF REHAB MAGEE & ASSOC

Experian Equifax TransUnion

Real Estate Accounts:

Experian Equifax TransUnion

Experian Equifax TransUnion

Experian Equifax TransUnion

Account Name: RSI ENTERPRISES-RSIMD

24-Month Payment History

WESTERN DENTAL SERVICES INC2

Experian Equifax TransUnion

AARGON COLLECTION AGEN WESTERN DENTAL SERVICES

24-Month Payment History

24-Month Payment History

Experian Equifax TransUnion

Account Name: CBNA SEARS/CBNA

24-Month Payment History

Experian Equifax TransUnion

Account Name: CBNA

24-Month Payment History

Experian Equifax TransUnion

Account Name: CBNA THD/CBNA THD/CBNA

24-Month Payment History

Account Name: COMENITY CAPITAL/HSN COMENITY CAPITAL/HSN CCB/HSN

24-Month Payment History

Experian Equifax TransUnion

Account Name: CHASE CARD CHASE BANK USA, NA CHASE CARD

24-Month Payment History

Experian Equifax TransUnion

Account Name: CITIBANK CBNA

24-Month Payment History

Experian Equifax TransUnion

Account Name: CMRE. 877-572-7555

24-Month Payment History

Experian Equifax TransUnion

Account Name: CREDIT ONE BANK NA CREDIT ONE BANK CREDITONEBNK

24-Month Payment History

Experian Equifax TransUnion

Account Name: MEDICAL

24-Month Payment History

MEDICAL PAYMENT DATA

Account Name: MEDICAL PAYMENT DATA

24-Month Payment History

Experian Equifax TransUnion

Account Name: NOVASTAR FINANCIAL NOVASTAR MORTGAGE NOVASTAR MTG

24-Month Payment History

Experian Equifax TransUnion

24-Month Payment History

Experian Equifax TransUnion

Account Name: PRSM/CBNA

24-Month Payment History

Experian Equifax TransUnion

24-Month Payment History

Experian Equifax TransUnion

Account Name: SEARS/CBNA

24-Month Payment History

Experian Equifax TransUnion

Account Name: SYNCB/JCP

24-Month Payment History

Experian Equifax TransUnion

Account Name: SYNCB/SAMS CLUB