TRIMERGED CREDIT REPORT PREPARED FOR
Name:
 Joe Price
Address:
 501 Blackhawk Road
City, State, Zip Code:
 Hacketstown, NY 30042

Your Report Number: 12345897

Your Report Date: 10/15/2004
Questions about your report ? Call 1-800-227-4740

Your Credit Profile
This section lists the most of a consumer's credit accounts - as reported by the three bureaus. It includes the date when those accounts were opened, payment history, debt owed and any co-signers. Watch out for accounts that are not familiar—these could be accounts that were opened fraudulently in your name. This Report provided by Equidata.
Account Information
Equifax
Experian
Trans-Union
Acct Name
VISA
VISA
VISA
Acct Number
436512547896xxxx
436512547896xxxx
436512547896xxxx
Acct Type
Line of Credit
Line of Credit
Line of Credit
Tradeline Type
Individual
Individual
Individual
Date Opened
January-02
January-02
January-02
Last Date Reported
January-04
January-04
January-04
Last Activity Date
May-04
May-04
May-04
Current Status
Closed
Closed
Closed
High Credit/Limit
$2,500
$2,500
$2,500
Balance
$2,500
$2,500
$2,500
Mo Pymnt
$0
$0
$0
Past Due Amount
$2,500
$2,500
$2,500
Delinquency
30
60
90+
1
2
30
60
90+
1
2
30
60
90+
1
2

24-Month Payment History
Equifax

*

*

*

*

*

*

*

30

60

*

*

*

30

*

*

*

*

*

*

*

*

*

*

*

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

02

02

02

02

01

01

01

01

01

01

01

01

01

01

01

01

00

00

00

00

00

00

00

00
Experian

*

*

*

*

*

*

*

30

*

*

*

*

*

*

*

*

*

*

*

*

*

*

*

*

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

02

02

02

02

01

01

01

01

01

01

01

01

01

01

01

01

00

00

00

00

00

00

00

00

Trans Union

*

*

*

*

*

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

02

02

02

02

01

01

01

01

01

01

01

01

01

01

01

01

00

00

00

00

00

00

00

00

Account Commentary
Credit Card
Collection
Creditor reports account 120 days or more past due

Account Information
Equifax
Experian
Trans-Union
Acct Name
MASTERCARD
MASTERCARD
MASTERCARD
Acct Number
513269856985xxxx
513269856985xxxx
513269856985xxxx
Acct Type
Line of Credit
Line of Credit
Line of Credit
Tradeline Type
Individual
Individual
Individual
Date Opened
April-02
April-02
April-02
Last Date Reported
January-04
January-04
January-04
Last Activity Date
April-04
April-04
April-04
Current Status
Closed
Open
Open
High Credit/Limit
$2,000
$2,000
$2,000
Balance
$1,400
$1,400
$1,400
Mo Pymnt
$75
$75
$75
Past Due Amount
$75
$75
$75
Delinquency
30
60
90+
1
2
30
60
90+
1
2
30
60
90+
1
2

24-Month Payment History
Equifax

*

*

*

*

*

*

*

30

60

*

*

*

30

*

*

*

*

*

*

*

*

*

*

*

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

02

02

02

02

01

01

01

01

01

01

01

01

01

01

01

01

00

00

00

00

00

00

00

00
Experian

*

*

*

*

*

*

*

30

*

*

*

*

*

*

*

*

*

*

*

*

*

*

*

*

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

02

02

02

02

01

01

01

01

01

01

01

01

01

01

01

01

00

00

00

00

00

00

00

00

Trans Union

*

*

*

*

*

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

02

02

02

02

01

01

01

01

01

01

01

01

01

01

01

01

00

00

00

00

00

00

00

00

Account Information
Equifax
Experian
Trans-Union
Acct Name
AMEX
AMEX
AMEX
Acct Number
37458123659xxxx
37458123659xxxx
37458123659xxxx
Acct Type
Line of Credit
Line of Credit
Line of Credit
Tradeline Type
Individual
Individual
Individual
Date Opened
March-02
March-02
March-02
Last Date Reported
--
--
--
Last Activity Date
September-04
September-04
September-04
Current Status
Open
Open
Open
High Credit/Limit
--
--
--
Balance
$3,500
$3,500
$3,500
Mo Pymnt
$150
$150
$150
Past Due Amount
$150
$150
$150
Delinquency
30
60
90+
1
2
30
60
90+
1
2
30
60
90+
1
2

24-Month Payment History
Equifax

*

*

*

*

*

*

*

30

60

*

*

*

30

*

*

*

*

*

*

*

*

*

*

*

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

02

02

02

02

01

01

01

01

01

01

01

01

01

01

01

01

00

00

00

00

00

00

00

00
Experian

*

*

*

*

*

*

*

30

*

*

*

*

*

*

*

*

*

*

*

*

*

*

*

*

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

02

02

02

02

01

01

01

01

01

01

01

01

01

01

01

01

00

00

00

00

00

00

00

00

Trans Union

*

*

*

*

*

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

Jul

Jun

May

02

02

02

02

01

01

01

01

01

01

01

01

01

01

01

01

00

00

00

00

00

00

00

00

Account Commentary
Credit Card
Collection
Creditor reports account 120 days or more past due

Profile Summary
The credit summary gives you a broad look at your current and past credit status. Here you'll find the total number of closed and open accounts in your name, the total balance on those accounts, whether you have any delinquencies, and the number of inquiries made into your credit file. This Report provided by Equidata.
Repository
Acct. Balances
Mo. Pmts
# Accts
Current Accts
Closed Accts
Equifax
Installment
$1,500
$250
2
1
3
Line of Credit
$0
$0
-
-
-
Open Accts.
$2,765
$250
5
2
2
Mortgages
$0
$0
-
-
-
Revolving Charge Accts
$500
$30
1
-
1
Equifax
Installment
$1,500
$250
2
1
3
Line of Credit
$0
$0
-
-
-
Open Accts.
$2,765
$250
5
2
2
Mortgages
$0
$0
-
-
-
Revolving Charge Accts
$500
$30
1
-
1
Equifax
Installment
$1,500
$250
2
1
3
Line of Credit
$0
$0
-
-
-
Open Accts.
$2,765
$250
5
2
2
Mortgages
$0
$0
-
-
-
Revolving Charge Accts
$500
$30
1
-
1

Public Records Information
Equifax
Experian
Trans-Union
Judgement Dated 4/5/00
Docket 5678912
Judgement Dated 4/5/00
Docket 5678912
Judgement Dated 4/5/00
Docket 5678912
Plaintiff IRS $4,000
Plaintiff IRS $4,000
Plaintiff IRS $4,000
Satisfied 3/04/04
Satisfied 3/04/04
Satisfied 3/04/04
Court Information - If Available
Court Information - If Available
Court Information - If Available

Previous Addresses
Equifax
Experian
Trans-Union
2000 State St
Los Angeles , CA 95788
2000 State St
Los Angeles , CA 95788
2000 State St
Los Angeles , CA 95788
500 Nowhere Blvd.
Los Angeles, CA 99772
500 Nowhere Blvd.
Los Angeles, CA 99772
500 Nowhere Blvd.
Los Angeles, CA 99772

Previous Known Names
Equifax
Experian
Trans-Union
N/A
N/A
N/A

Employment Information
Thomasville Furniture
Home Depot Inc.
Whitman College
Albert Zimmerman, LLC
Saunders Vending Company

Inquiries Into Your Credit
Equifax
Experian
Trans-Union
Bank One May-04 Bank One May-04 Bank One May-04
MBNA Jun-04 MBNA Jun-04 MBNA Jun-04
Commonwealth
Acceptance 		Feb-99 Commonwealth
Acceptance 		Feb-99 Commonwealth
Acceptance 		Feb-99
Bank of America Nov-02 Bank of America Nov-02 Bank of America Nov-02
Navy Federal CU Oct-03 Navy Federal CU Oct-03 Navy Federal CU Oct-03

Creditor Contact Information
Bank of America
 PO Box 5900 Wycott, UT 55728

1-800-555-1212

 Trans Union
Washington Mutual
 PO Box 1234 Rockchester, NY10234
1-800-555-1212
 Trans Union
Wachovia Financial
 55 Newsplace Drive Lock, NH 59874
1-800-555-1212
 Trans Union

Credit Score Information
EFX
 CREDIT XPERT SCORE
606
 For: Joe Price
TUC
 CREDIT XPERT SCORE
693
 For: Joe Price
XPN
 CREDIT XPERT SCORE
610
 For: Joe Price

Key to Your Credit Profile


  1. Your Report Number
    Refer to this number when making inquiries.
  2. Account Name
    The account name as reported by the creditor.
  3. Account Number
    The account number as reported by the creditor.
  4. Account Type
    a) Installment Loan, b) Line of Credit, c) Mortgage Loan, d) Revolving Account, or e) Other.
  5. Tradeline Type
    This explains responsibility for the account.
  6. Date Opened
    The date the account was first opened.
  7. Last Date Reported
    This is the last date the creditor reported information on this account.
  8. Last Activity Date
    This is the date of last activity on the account as reported by the creditor.
  9. Current Status
    This indicates the status of the account - open, closed or unknown
  10. High Credit
    This is the highest credit limit amount as reported by the creditor.
  11. Balance
    This is the current account balance as last reported by the creditor.
  12. Mo Pymnt
    This is the amount of the monthly payment for this account as reported by the creditor.
  13. Past Due Amount
    This indicates the portion of your account balance that is past due.
  14. Delinquency
    T his indicates the number of times that your account has been reported as past due.
  15. Payment History
    This section indicates the status of your account on a month to month basis over the past 24 months

Payment History Key

Meaning

Pays or Paid as Agreed

30 Days Past Due

60 Days Past Due

90 Days Past Due

120+ Days Past Due/ Collection Account

Payment Plan

Repossession or Foreclosure

Charged Off to bad debt

Not Reported

Symbol

*

30

60

90

120

PP

RF

CO

NR

Status of Account  
Too New to Rate, Approved but not used
0
Pays (or paid) within 30 days of payment due date, or not over one payment past due.
1
Pays ( or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than two payments past due.
2
Pays ( or paid) in more than 60 days from payment due date, but not more than 90 days, or not more than three payments past due.
3
Pays ( or paid) in more than 90 days from payment due date, but not more than 120 days, or not more than four payments past due.
4
Pays ( or paid) in more than 120 days from payment due date, or five or more payments past due.
5
Making regular payments under debtor's plan or similar arrangement.
7
Repossession. (Indicate if it is voluntary return of merchandise by the consumer)
8
Bad Debt or Collection.
9