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This is an example of a bad credit report with an explanation of what it
means.
Click on the underlined links to display an explanation.
"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.
Exact Match between SSN on input and SSN on
file. (This means that the
Social security number given is valid and matches)
Personal
Information Since 11/1/86 FAD 5/22/01
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Reported
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Name
SSN
Address
Address
Address
Phone
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MCXXXXX, MIXXXXXL A
2XX-XX-1XX2
4X, N, EXX, DR, COLUMBIA, SC, 29XXX
4XX, IXXX, ST, LANCASTER, SC, 29XXX
3XX, GXXXXXX ST, STATESVILLE, NC, 28XXX
2XX-XXXX Personal
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6/1/98
1/1/95
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Credit Summary From 11/1/86 To 5/22/01
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Public
Records 3
Collections
4 Negative Trades
1
Hist Neg Trades 0 #
Trades
1
Revolving
0
Hist Neg Occurr 0
Installment
0
Mortgage
0
Open Trades
1
Inquiries
3
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Type High Limit Balance Past
Due Payment %Avail
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Closed $0 $0 $202 $202 $0 -
Totals $0 $0 $202 $202 $0 -
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Open Accounts
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Current Status
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Hist Status
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Acc Name/Address
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Rptd/
ECOA
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Opened/
Clsd/PD
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High/
Limit
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Pmt/
Term
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Bal
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Past Due
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Mths 30 60 90
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Rating
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S C ELEC/GAS
3XXXXXX5
Subscriber code: U 0XXXXX
Loan Type: Utility Company
Remarks: Account closed by consumer
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03/99A
I
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07/96
02/97F
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202
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202
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202
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O09
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Open
Account Totals
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$0
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$202
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Collection or Derogatory Accounts
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Firm/ID Code
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Paid/
ECOA
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Placed/
CLSD
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VRFD/
CS(MOP)
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$PLCD/
BAL
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Acc#
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Creditor Name
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Remarks
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ATTN
L.L.C.
Y 0XXXXXX1
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I
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05/99
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05/00A
O9B
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83
83
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8XXX
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COLXXXX
XXXXXXXXX MEDICAL CENT
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Placed
for collection
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CREDBURSYS
Y 0XXXXXXX1
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I
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09/98
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03/00A
O9B
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216
216
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22XXXXXXXXX
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XXXXXX
HOSPITAL
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Placed
for collection
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CREDBURSYS
Y XXXXXXXX1
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I
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02/98
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03/00A
O9B
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201
201
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825XXXXX80
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XXXXXX
HOSPITAL
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Placed
for collection
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CAP
RCV SVC
Y 0XXXXXX
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I
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07/94
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07/96A
O9B
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57
57
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2XXXX
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FOOT
XXXXX
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Placed
for collection
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Public Records
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Reported/
Amount
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ECOA/
Subscriber
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Assets
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Type/
Plaintiff/Attorney
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Docket/
Paid
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Court/
City, State
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0X/95
984
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C
Z 0XXXXXX
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Civil judgement
Pltff: BXXXX MOTOR CO
Attn: VXX P1
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95CVM11X
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Superior Court
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0X/98
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I
Z 0XXXXXX
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Chapter 7 bnkrptcy discharged
Attn: THOMAS X HXXXX
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9802XXX
0X/99
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Federal District
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0X/98
1903
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I
Z 0XXXXXX
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Civil judgement
Pltff: PETER RABBIT
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21XXX
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Common Pleas
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Inquiries
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Date
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Name/Address
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Code
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MKT
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Type Inq/Loan
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Amount
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05/22/01
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MTG XXXXXX
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YXXXXXX
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FLA
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I
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03/19/01
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AXXXXXXXX
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FMXXXXXXX
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SCT
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I
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09/06/00
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WESTERN UNIO
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FXXXXXXXXX
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CNM
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I
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Credit score by Beacon model is 490.
Credit scores go from a low of about 450 (bad credit) to a high of about 850
(excellent credit.)
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