This is an example of a bad credit report with an explanation of what it means.
"I" means installment account, "R" means revolving credit, "M" means mortgage account, "O" means open account.
These accounts are graded from 1 to 9. So M01 means mortgage account paid within 30 days of due date. M02 means mortgage paid in more than 30 days and less than 60 days. M03 means mortgage more than 60 days but less than 90 days.M04 means more than 90 days but less than 120 days. M05 is mortgage more than 120 days past due. M07 is making regular payments under Wage Earner Plan or similar.
08 is a repossession. 8A is voluntary repossession, 8D is legal repossession. M09 means bad debt. By the way, if you see, 00 it means too new to rate.
Trans Union Report
Exact Match between SSN on input and SSN on file. (This means that the Social security number given is valid and matches)
Personal Information (name, SSN, address and phone number)
Since 11/1/86 FAD 5/22/01
Since 11/1/86 FAD 5/22/01
| Item | Sample | Reported |
|---|---|---|
| Name | MCXXXXX, MIXXXXXL A | X |
| SSN | 2XX-XX-1XX2 | X |
| Address | X, N, EXX, DR, Columbia, SC 29XXX | 6/1/98 |
| Address | 4XX, IXXX, ST. Lancaster, SC 29XXX | 1/1/95 |
| Address | 3XX, GXXXXXXX ST. Statesville, NC 28XXX | X |
| Phone | 2XX-XXXX Personal | X |
Add-On Products Summary
- Product: Hawk (Hawk is a check for fraud. Such as SSN used in a death claim)
- Status: Requested product delivered
- Available and Clear
Credit Summary
(summary of how many of each item is on the report. You will see on this one 4 collection accounts and 3 public record filing)
From 11/1/86 FAD 5/22/01
| Item | # |
|---|---|
| Public Records |
3 |
| Collections | 4 |
| Negative Trades | 1 |
| Hist Neg Trades | 0 |
| # Trades | 1 |
| Revolving | 1 |
| Open Trades | 1 |
| Inquiries | 3 |
| Type | High | Limit | Balance | Past Due | Payment | %Avail |
|---|---|---|---|---|---|---|
| Closed | $0 | $0 | $202 | $202 | $0 | - |
| Totals | $0 |
$0 |
$202 |
$202 |
$0 |
- |
Public Records
As you can see the subject has filed bankruptcy and got 2 judgements against him. You can see the date, amount, case # and type.
| Reported/Amount | ECOA/Subscriber | Assets | Type/Plantiff/Attorney | Dockey/Paud | Court/City/State |
|---|---|---|---|---|---|
| 0X/95 |
C
Z )XXXXXX
|
- | Civil\ Judgement Pltff: BXXXX Motor CO Attn: VXXX P1 |
95CVM11X |
Superior Court |
| 0X/98 | I Z 0XXXXXX |
- | Chapter 7 bankrptcy discharged Attn: Thomas X HXXXX |
9802XXX
0X/99
|
Federal District |
|
0X/98
1903
|
I Z 0XXXXXX |
- | Civil Judgement Pltff: Petter Rabbit |
21XXX | Common Plea |
Collection Accounts
These are bad debts. You can see medical bills unpaid. 09B is bad debt placed for collected. Placed and balance is the same in this case. Subject has paid nothing towards bills.
| Firm/ID Code | Paid/ECOA | Placed/CLSD | VRFD/CS(MOP) | $PLCD/BAL | Acc# | Creditor Name | Remarks |
|---|---|---|---|---|---|---|---|
| ATTN L.L.C. Y 0XXXXXX1 |
I | 05/99 | - | - | - | - | - |
| CREDBURSYS Y 0XXXXXXX1 |
I | 09/98 | - | - | - | - | - |
| CREDBURSYS Y XXXXXXXX1 |
I | 02/98 | - | - | - | - | - |
| CAP RCV SVC Y 0XXXXXX |
I | 07/94 | - | - | - | - | - |
Firm/ID Code Paid/ECOA Placed/CLSD VRFD/CS(MOP) $PLCD/BAL Acc# Creditor Name Remarks
ATTN L.L.C.
Y 0XXXXXX1 I 05/99
CREDBURSYS
Y 0XXXXXXX1 I 09/98
CREDBURSYS
Y XXXXXXXX1 I 02/98
CAP RCV SVC
Y 0XXXXXX I 07/94