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Credit Report Prepared For:
HEATHER BURCH Report as Of: 2/9/2009
Personal & Confidential Please Keep in a safe place for your records.
HEATHER BURCH Report As Of: 2/9/2009
Table of Contents
Personal Profile _________________________________________________________________________
1
Credit Summary ________________________________________________________________________
2
Public Records _________________________________________________________________________
3
Credit Inquires __________________________________________________________________________
4
Account History ________________________________________________________________________
5
Credit Score ___________________________________________________________________________
10
Experian _____________________________________________________________________________
FreeCreditReport.com | A Part of Experian
11
HEATHER BURCH Report As Of: 2/9/2009
Personal Profile Here you will find the personal information contained in your credit file, including your legal name(s), current and previous addresses, current and previous employers, and date of birth.
Profile Name (Also Known As) AKA Year of Birth Address(es)
HEATHER BURCH HEATHER R RECCA 1977 248 TRACTOR DR, GRAY COURT, SC 29645-4942 121 LANIER LN, MAULDIN, SC 296622605 760 J C COOPER RD, FOUNTAIN INN, SC 29644-4617
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Current Employer Previous Employer
Personal Statement This space is reserved for statements of dispute. For most consumers, no information appears in this section.
Personal Profile Page 1 of 1
Credit Summary
Public Records
Credit Inquires
Account History
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Credit Summary This section gives you a broad look at your current and past credit status. Here you'll find the total number of open and closed accounts in your name, the total balance on those accounts, and delinquencies.
Real Estate
Count Balance Current Delinquent Other
3 $26,736.00 2 0 1
Revolving
Count Balance Current Delinquent Other
0 $0.00 0 0 0
Installments
Count Balance Current Delinquent Other
0 $0.00 0 0 0
Other
Count Balance Current Delinquent Other
0 $0.00 0 0 0
Collections
Count Balance Current Delinquent Other
5 $267.00 0 0 0
Count Balance Current Delinquent Other
8 $27,003.00 2 0 1
Current Account(s)
Current Account(s)
All Accounts Current Account(s)
Personal Profile
Credit Summary Page 1 of 1
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What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Public Records
Credit Inquires
Account History
Log In Now! www.FreeCreditReport.com
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Public Records The information in this section comes from federal district bankruptcy records, state and county court records, tax liens and monetary judgments, and in some states, overdue child support records. Public records remain on your credit report for 7-10 years. Most consumers do not have public records information on their credit reports. There is no need to be concerned if no information is available.
Bankruptcy chapter 13-dismissed Date Filed Reference # Court Plaintiff Liability Asset Amount
12/19/2003 0315744JEW US BKPT CT SC COLUMBIA $0.00
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Bankruptcy Chapter13-petition filed Date Filed Reference # Court Plaintiff Liability Asset Amount
Personal Profile
Credit Summary
2/25/2003 200302297 US BKPT CT SC COLUMBIA
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Public Records Page 1 of 1
Credit Inquires
Account History
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Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Credit Inquiries This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
Credit Inquiries There are no Credit Inquiries on your credit report at this time.
No History
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Personal Profile
Credit Summary
Public Records
Credit Inquires Page 1 of 1
Account History
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Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Account History This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
STERN & ASSOCIATES Potentially Negative Closed
336-272-0800 415 N EDGEWORTH ST STE 2 GREENSBORO, NC 27401
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
High Balance Limit Terms Comments
STERN & ASSOCIATES J7XXXX Collection Department / Agency / Attorney $70.00 6/1/2008 Closed Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
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1 Month
2006 2007 2008 Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG Experian KD
STERN & ASSOCIATES Potentially Negative Closed
336-272-0800 415 N EDGEWORTH ST STE 2 GREENSBORO, NC 27401
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
High Balance Limit Terms Comments
STERN & ASSOCIATES J7XXXX Collection Department / Agency / Attorney $40.00 6/1/2008 Closed Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
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1 Month
2006 2007 2008 Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG Experian KD
Personal Profile
Credit Summary
Public Records
Credit Inquires
Account History Page 1 of 4
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Account History This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
STERN & ASSOCIATES Potentially Negative Closed
336-272-0800 415 N EDGEWORTH ST STE 2 GREENSBORO, NC 27401
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
High Balance Limit Terms Comments
STERN & ASSOCIATES J7XXXX Collection Department / Agency / Attorney $67.00 6/1/2008 Closed Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Log In Now! www.FreeCreditReport.com
1 Month
2006 2007 2008 Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG Experian KD
STERN & ASSOCIATES Potentially Negative Closed
336-272-0800 415 N EDGEWORTH ST STE 2 GREENSBORO, NC 27401
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
High Balance Limit Terms Comments
STERN & ASSOCIATES J7XXXX Collection Department / Agency / Attorney $67.00 6/1/2008 Closed Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Log In Now! www.FreeCreditReport.com
1 Month
2006 2007 2008 Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG Experian KD
Personal Profile
Credit Summary
Public Records
Credit Inquires
Account History Page 2 of 4
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Account History This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
STERN & ASSOCIATES Potentially Negative Closed
336-272-0800 415 N EDGEWORTH ST STE 2 GREENSBORO, NC 27401
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
High Balance Limit Terms Comments
STERN & ASSOCIATES J7XXXX Collection Department / Agency / Attorney $23.00
What's missing from this picture?
6/1/2008 Closed Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Log In Now! www.FreeCreditReport.com
1 Month
2006 2007 2008 Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG Experian KD
NETBANK INC Unknown
803-462-8000 9710 TWO NOTCH RD COLUMBIA, SC 29223
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status High Balance Limit Terms Comments
NETBANK INC 594910001XXXX Conventional Real Estate Loan, Including Purchase Money First
What's missing from this picture? 9/1/2001 Closed Account transferred to another office
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360 Months Transferred to another lender or claim purchased
2002 2003 2004 Month JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN Experian 30 OK OK 30 60 90 120 120 120 ND ND ND ND ND ND 120 120 120 120 120 120 120 120 OK
Personal Profile
Credit Summary
Public Records
Credit Inquires
Account History Page 3 of 4
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Account History This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
VANDERBILT MORTGAGE Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
Current 865-546-1820 PO BOX 15170 KNOXVILLE, TN 37901
High Balance Limit Terms Comments
VANDERBILT MORTGAGE 11XXXX Mobile Home $4,767.00
What's missing from this picture?
3/1/1995 Open $418.00 Current, was past due 180 days or more
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15 Months
2007 2008 2009 Month FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN Experian OK 30 30 30 30 OK 30 OK OK 30 30 OK 30 OK OK 30 30 60 90 120 120 OK OK OK
WILSHIRE CREDIT CORP
Current Closed
800-776-0100 1776 SW MADISON ST PORTLAND, OR 97205
Account Name Account # Account Type
Balance Past Due Date Opened Account Status Mo. Payment Payment Status High Balance Limit Terms Comments
WILSHIRE CREDIT CORP 77XXXX Real Estate Mortgage - With Or Without Other Collateral. Usually A Second Mortgage $21,969.00 $8,548.00 9/1/2001 Closed Debt included in or discharged through Bankruptcy Chapter 13
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15 Months
2001 2002 2003 Month MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB Experian OK 60 OK OK 60 90 120 120 PP
Personal Profile
Credit Summary
Public Records
Credit Inquires
Account History Page 4 of 4
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Account History This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
Payment History Legend
OK Current
30
30 Days Late
KD Key Derogatory**
ND No Data*
60
60 Days Late
RF
90
90 Days Late
PP Payment Plan
Repossession or Foreclosure
120 120 Days Late
*Sometimes the credit bureaus do not have information from a particular month on file. ** For additional information on Key Derogatory, please see your Credit Report Guide.
Account Status Legend
Current
Current Closed
Potentially Negative
Potentially Negative Closed
Personal Profile
Credit Summary
Public Records
Unknown
Credit Inquires
Account History Page Legend
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Credit Score A PLUS Score is a numerical representation of your credit worthiness. The majority of lenders use some sort of credit scoring model to help predict what kind of credit risk you may be. For each bureau's score and score explanation, click on the colored tabs below.
About your PLUS Score: Your PLUS Score is formulated using the information in your credit file. Your score helps potential lenders, landlords, and employers quickly gauge your credit history and decide what kind of a risk they are taking if they approve your application. Your PLUS Score can range between 330 and 830, with a higher score indicating a lower risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose: to summarize your creditworthiness. Keep in mind that your score is just one factor used in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan.
What this means to you: Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. While lenders may use different scoring models to determine how you score, and each major credit bureau has its own method for calculating credit scores, the scoring models have been fairly well standardized so that a score at one bureau is roughly equivalent to the same score at another.
DISCLAMER The PLUS ScoreSM, developed by Experian, is not an endorsement or guarantee of your credit worthiness as seen by lenders. The different risk levels presented here are for educational use only. Your PLUS Score can help you understand what factors impact your credit score. Please be aware that there are many scoring models used in the marketplace, and each lender´s scoring model has its own set of factors. How each lender weighs their chosen factors may vary, but the exact formula used to calculate your score is proprietary. In general, the higher your score, the better your chances are of obtaining favorable rates and terms. Your PLUS Score was calculated using your actual data from your credit file on the day that you requested your report, making it comparable to most scoring models in the industry. Keep in mind however that other factors, such as length of employment and annual salary, are often taken into consideration by lenders when making decisions about you. Also note that each bureau has its own set of data, resulting in a separate PLUS Score for each of your credit files.
HEATHER BURCH Report As Of: 2/9/2009
Credit Score A PLUS Score is a numerical representation of your credit worthiness. The majority of lenders use some sort of credit scoring model to help predict what kind of credit risk you may be. For each bureau's score and score explanation, click on the colored tabs below.
What's missing from this picture?
603
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Poor
Your Experian PLUS Score Explanation Percentile: Your credit rating ranks higher than 22.98% of U.S. consumers. What factors RAISE you PLUS Score: ●
What factors LOWER you PLUS Score:
We do not show any record of recent inquiries on your credit report. Every time you apply for any type of credit or loan, the lender checks your credit history, and an [inquiry] is posted to your credit report. Not having any new inquiries in the last 2 years shows lenders that you are less likely to open new accounts and fall behind in your payments. Remember that new inquiries are not necessarily viewed as negative, but too many inquiries on your file may make it difficult for you to obtain new credit.
●
You have no open installment loans, such as auto loans, on your credit report. This positively influences your credit score because lenders feel you are more likely to pay your other bills without the fixed monthly payment attached to an installment loan.
●
Your credit file shows no record of any current delinquencies on real estate accounts, such as a mortgage. Having real estate accounts in good standing is viewed positively by lenders.
●
Your credit report does not contain negative public records, such as a bankruptcy, lien, lawsuit or judgment filed within the last two years. This is having a positive impact on your credit score. Public record items may remain on your credit report for 7 to 15 years, depending on the item.
Personal Profile
Credit Summary
Public Records
●
Your payment history shows 1 or more payments that were late by 30 days or more. Late payments count negatively against your credit score. Negative information can stay on your credit report for up to 7 years for some items, up to 10 years for bankruptcies and 15 years for unpaid tax liens.
●
Your report does not show any open, currently active major credit card accounts, such as Discover, American Express, VISA, or MasterCard.
Credit Inquires
Account History
Credit Score Page 1 of 1
HEATHER BURCH Report as Of: 2/9/2009
Personal & Confidential Please Keep in a safe place for your records.
HEATHER BURCH Report As Of: 2/9/2009
Table of Contents
Personal Profile _________________________________________________________________________
1
Credit Summary ________________________________________________________________________
2
Public Records _________________________________________________________________________
3
Credit Inquires __________________________________________________________________________
4
Account History ________________________________________________________________________
5
Credit Score ___________________________________________________________________________
10
Experian _____________________________________________________________________________
FreeCreditReport.com | A Part of Experian
11
HEATHER BURCH Report As Of: 2/9/2009
Personal Profile Here you will find the personal information contained in your credit file, including your legal name(s), current and previous addresses, current and previous employers, and date of birth.
Profile Name (Also Known As) AKA Year of Birth Address(es)
HEATHER BURCH HEATHER R RECCA 1977 248 TRACTOR DR, GRAY COURT, SC 29645-4942 121 LANIER LN, MAULDIN, SC 296622605 760 J C COOPER RD, FOUNTAIN INN, SC 29644-4617
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
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Current Employer Previous Employer
Personal Statement This space is reserved for statements of dispute. For most consumers, no information appears in this section.
Personal Profile Page 1 of 1
Credit Summary
Public Records
Credit Inquires
Account History
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Credit Summary This section gives you a broad look at your current and past credit status. Here you'll find the total number of open and closed accounts in your name, the total balance on those accounts, and delinquencies.
Real Estate
Count Balance Current Delinquent Other
3 $26,736.00 2 0 1
Revolving
Count Balance Current Delinquent Other
0 $0.00 0 0 0
Installments
Count Balance Current Delinquent Other
0 $0.00 0 0 0
Other
Count Balance Current Delinquent Other
0 $0.00 0 0 0
Collections
Count Balance Current Delinquent Other
5 $267.00 0 0 0
Count Balance Current Delinquent Other
8 $27,003.00 2 0 1
Current Account(s)
Current Account(s)
All Accounts Current Account(s)
Personal Profile
Credit Summary Page 1 of 1
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Log In Now! www.FreeCreditReport.com
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Public Records
Credit Inquires
Account History
Log In Now! www.FreeCreditReport.com
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Public Records The information in this section comes from federal district bankruptcy records, state and county court records, tax liens and monetary judgments, and in some states, overdue child support records. Public records remain on your credit report for 7-10 years. Most consumers do not have public records information on their credit reports. There is no need to be concerned if no information is available.
Bankruptcy chapter 13-dismissed Date Filed Reference # Court Plaintiff Liability Asset Amount
12/19/2003 0315744JEW US BKPT CT SC COLUMBIA $0.00
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Bankruptcy Chapter13-petition filed Date Filed Reference # Court Plaintiff Liability Asset Amount
Personal Profile
Credit Summary
2/25/2003 200302297 US BKPT CT SC COLUMBIA
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Public Records Page 1 of 1
Credit Inquires
Account History
Log In Now! www.FreeCreditReport.com
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Credit Inquiries This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
Credit Inquiries There are no Credit Inquiries on your credit report at this time.
No History
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Personal Profile
Credit Summary
Public Records
Credit Inquires Page 1 of 1
Account History
Log In Now! www.FreeCreditReport.com
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Account History This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
STERN & ASSOCIATES Potentially Negative Closed
336-272-0800 415 N EDGEWORTH ST STE 2 GREENSBORO, NC 27401
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
High Balance Limit Terms Comments
STERN & ASSOCIATES J7XXXX Collection Department / Agency / Attorney $70.00 6/1/2008 Closed Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
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1 Month
2006 2007 2008 Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG Experian KD
STERN & ASSOCIATES Potentially Negative Closed
336-272-0800 415 N EDGEWORTH ST STE 2 GREENSBORO, NC 27401
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
High Balance Limit Terms Comments
STERN & ASSOCIATES J7XXXX Collection Department / Agency / Attorney $40.00 6/1/2008 Closed Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Log In Now! www.FreeCreditReport.com
1 Month
2006 2007 2008 Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG Experian KD
Personal Profile
Credit Summary
Public Records
Credit Inquires
Account History Page 1 of 4
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Account History This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
STERN & ASSOCIATES Potentially Negative Closed
336-272-0800 415 N EDGEWORTH ST STE 2 GREENSBORO, NC 27401
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
High Balance Limit Terms Comments
STERN & ASSOCIATES J7XXXX Collection Department / Agency / Attorney $67.00 6/1/2008 Closed Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Log In Now! www.FreeCreditReport.com
1 Month
2006 2007 2008 Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG Experian KD
STERN & ASSOCIATES Potentially Negative Closed
336-272-0800 415 N EDGEWORTH ST STE 2 GREENSBORO, NC 27401
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
High Balance Limit Terms Comments
STERN & ASSOCIATES J7XXXX Collection Department / Agency / Attorney $67.00 6/1/2008 Closed Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Log In Now! www.FreeCreditReport.com
1 Month
2006 2007 2008 Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG Experian KD
Personal Profile
Credit Summary
Public Records
Credit Inquires
Account History Page 2 of 4
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Account History This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
STERN & ASSOCIATES Potentially Negative Closed
336-272-0800 415 N EDGEWORTH ST STE 2 GREENSBORO, NC 27401
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
High Balance Limit Terms Comments
STERN & ASSOCIATES J7XXXX Collection Department / Agency / Attorney $23.00
What's missing from this picture?
6/1/2008 Closed Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Log In Now! www.FreeCreditReport.com
1 Month
2006 2007 2008 Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG Experian KD
NETBANK INC Unknown
803-462-8000 9710 TWO NOTCH RD COLUMBIA, SC 29223
Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status High Balance Limit Terms Comments
NETBANK INC 594910001XXXX Conventional Real Estate Loan, Including Purchase Money First
What's missing from this picture? 9/1/2001 Closed Account transferred to another office
See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Log In Now! www.FreeCreditReport.com
360 Months Transferred to another lender or claim purchased
2002 2003 2004 Month JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN Experian 30 OK OK 30 60 90 120 120 120 ND ND ND ND ND ND 120 120 120 120 120 120 120 120 OK
Personal Profile
Credit Summary
Public Records
Credit Inquires
Account History Page 3 of 4
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Account History This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
VANDERBILT MORTGAGE Account Name Account # Account Type Balance Past Due Date Opened Account Status Mo. Payment Payment Status
Current 865-546-1820 PO BOX 15170 KNOXVILLE, TN 37901
High Balance Limit Terms Comments
VANDERBILT MORTGAGE 11XXXX Mobile Home $4,767.00
What's missing from this picture?
3/1/1995 Open $418.00 Current, was past due 180 days or more
See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price.
Log In Now! www.FreeCreditReport.com
15 Months
2007 2008 2009 Month FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN Experian OK 30 30 30 30 OK 30 OK OK 30 30 OK 30 OK OK 30 30 60 90 120 120 OK OK OK
WILSHIRE CREDIT CORP
Current Closed
800-776-0100 1776 SW MADISON ST PORTLAND, OR 97205
Account Name Account # Account Type
Balance Past Due Date Opened Account Status Mo. Payment Payment Status High Balance Limit Terms Comments
WILSHIRE CREDIT CORP 77XXXX Real Estate Mortgage - With Or Without Other Collateral. Usually A Second Mortgage $21,969.00 $8,548.00 9/1/2001 Closed Debt included in or discharged through Bankruptcy Chapter 13
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15 Months
2001 2002 2003 Month MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB Experian OK 60 OK OK 60 90 120 120 PP
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Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Account History This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely. We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.
Payment History Legend
OK Current
30
30 Days Late
KD Key Derogatory**
ND No Data*
60
60 Days Late
RF
90
90 Days Late
PP Payment Plan
Repossession or Foreclosure
120 120 Days Late
*Sometimes the credit bureaus do not have information from a particular month on file. ** For additional information on Key Derogatory, please see your Credit Report Guide.
Account Status Legend
Current
Current Closed
Potentially Negative
Potentially Negative Closed
Personal Profile
Credit Summary
Public Records
Unknown
Credit Inquires
Account History Page Legend
Credit Score
HEATHER BURCH Report As Of: 2/9/2009
Credit Score A PLUS Score is a numerical representation of your credit worthiness. The majority of lenders use some sort of credit scoring model to help predict what kind of credit risk you may be. For each bureau's score and score explanation, click on the colored tabs below.
About your PLUS Score: Your PLUS Score is formulated using the information in your credit file. Your score helps potential lenders, landlords, and employers quickly gauge your credit history and decide what kind of a risk they are taking if they approve your application. Your PLUS Score can range between 330 and 830, with a higher score indicating a lower risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose: to summarize your creditworthiness. Keep in mind that your score is just one factor used in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan.
What this means to you: Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. While lenders may use different scoring models to determine how you score, and each major credit bureau has its own method for calculating credit scores, the scoring models have been fairly well standardized so that a score at one bureau is roughly equivalent to the same score at another.
DISCLAMER The PLUS ScoreSM, developed by Experian, is not an endorsement or guarantee of your credit worthiness as seen by lenders. The different risk levels presented here are for educational use only. Your PLUS Score can help you understand what factors impact your credit score. Please be aware that there are many scoring models used in the marketplace, and each lender´s scoring model has its own set of factors. How each lender weighs their chosen factors may vary, but the exact formula used to calculate your score is proprietary. In general, the higher your score, the better your chances are of obtaining favorable rates and terms. Your PLUS Score was calculated using your actual data from your credit file on the day that you requested your report, making it comparable to most scoring models in the industry. Keep in mind however that other factors, such as length of employment and annual salary, are often taken into consideration by lenders when making decisions about you. Also note that each bureau has its own set of data, resulting in a separate PLUS Score for each of your credit files.
HEATHER BURCH Report As Of: 2/9/2009
Credit Score A PLUS Score is a numerical representation of your credit worthiness. The majority of lenders use some sort of credit scoring model to help predict what kind of credit risk you may be. For each bureau's score and score explanation, click on the colored tabs below.
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Poor
Your Experian PLUS Score Explanation Percentile: Your credit rating ranks higher than 22.98% of U.S. consumers. What factors RAISE you PLUS Score: ●
What factors LOWER you PLUS Score:
We do not show any record of recent inquiries on your credit report. Every time you apply for any type of credit or loan, the lender checks your credit history, and an [inquiry] is posted to your credit report. Not having any new inquiries in the last 2 years shows lenders that you are less likely to open new accounts and fall behind in your payments. Remember that new inquiries are not necessarily viewed as negative, but too many inquiries on your file may make it difficult for you to obtain new credit.
●
You have no open installment loans, such as auto loans, on your credit report. This positively influences your credit score because lenders feel you are more likely to pay your other bills without the fixed monthly payment attached to an installment loan.
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Your credit file shows no record of any current delinquencies on real estate accounts, such as a mortgage. Having real estate accounts in good standing is viewed positively by lenders.
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Your credit report does not contain negative public records, such as a bankruptcy, lien, lawsuit or judgment filed within the last two years. This is having a positive impact on your credit score. Public record items may remain on your credit report for 7 to 15 years, depending on the item.
Personal Profile
Credit Summary
Public Records
●
Your payment history shows 1 or more payments that were late by 30 days or more. Late payments count negatively against your credit score. Negative information can stay on your credit report for up to 7 years for some items, up to 10 years for bankruptcies and 15 years for unpaid tax liens.
●
Your report does not show any open, currently active major credit card accounts, such as Discover, American Express, VISA, or MasterCard.
Credit Inquires
Account History
Credit Score Page 1 of 1
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