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Sample Equifax Credit Report - Know how to read and analyze report

Applicant Information
Name: PAT DEBTCC
Social Security Number: 673-37-4823
Present Address: 309 Cedar Street #89,
Santa Cruz, CA 95060

Report Date: 11/2005
Former Address: 309 Cedar Street #89,
Santa Cruz, CA 95060

Report Date: 10/2004

Prior Address: 309 Cedar Street #89,
Santa Cruz, CA 95060

Report Date: 10/2003
Date of Birth: 04/20/1960

Employer(s): J.K.AUTOMATION
Present Employment: Manager
Former Employment: Junior Manager
Other Source of Income: Rent



Accounts
Types
Number
Available credit
Total balance
Credit limit
Monthly Payment
No Of accounts with balance
Installment
3
$1,000
$15,000
$16,000
$250
1
Revolving
4
$20,000
$0
$20,000
0%
0
Home Loan
2
$20,000
$100,000
$120,000
$1,654
0
Total
9
$41,000
$115,000
$156,000
$1904
1



Age of the Accounts
Recent Account: LBCOA Mortgage Company
Oldest Account: LACAMSCU Credit Unions
Length of your credit history: 8 Years, 3 Months
Average age of the accounts: 4 Years, 2 Months



Credit Inquiries
The following section reflects the name of the creditors who have requested Equifax to check your credit report:
Date of Inquiry
02/02/2005
03/05/2006
04/08/2004
Name
ALLTEL-CHA Telephone Companies
GREATNORW Credit Unions
SNET Telephone Companies

The following credit inquiries are exclusively to you only.
Date of Inquiry
12/15/2003
12/13/2003
01/07/2004
Name
1ST COM Credit Unions
UNION STAT
CITIZENS Banks



Potentially Negative Information
A. Public Records
i) Type: Judgment
Case Number: 3333
Plaintiff: American Express
Status: Satisfied
Date Resolved: 03/2004
Responsibility: Individual
ii) Type: Foreclosure
Case Number: 6666
Plaintiff: ABC Mortgage Loans
Claimed Amount: $75,000
Current Status: Deficiency Judgment
Date Resolved: 03/2005
B. Negative Accounts
i) Creditor: Bank of America
Date reported: 07/2004
Status: Charge-off
Outstanding balance: $540
Account Number: 45454545...
Account Type: Installment
Responsibility: Individual
Date of Last Activity: 06/2003
C. Accounts in collections
i) Amex account assigned to the ABC Collection agency
The Total Outstanding Balance: $4587
Report Date: 06/2004
Status: Paid in Full
CA Reference Number: 5555
Last Activity Date: 05/2005
Date Reported Paid: 02/2006
Responsibility: Individual
ii) Chase account assigned to the XYZ Collection agency
The Total Outstanding Balance: $8,234
Report Date: 07/2005
Status: 60 days past due
CA Reference Number: 7777
Last Activity Date: 05/2005
Responsibility: Individual



Consumer Statement
Equifax has received the following statement of the consumer in 11/2006.
Consumer filed bankruptcy due to overwhelming debts
Estimated Date on which the statement will be removed 11/2013



* Disclosures:
  • By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
  • Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
  • Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  • Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  • The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.
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