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Sample Experian Credit Report - View, analyze and learn your report

Applicant Information
Name: KATE DEBTCC
SSN: 392-72-8573
Current Address: 309 Cedar Street #89,
Santa Cruz, CA 95060
Former Address: 309 Cedar Street #89,
Santa Cruz, CA 95060
Report Number: YYYYYYYY
Report Date: March 28, 2004
Date of Birth: 1950

AIN: 0258259584
Residence type: Nuclear family
Geographical Code: 123456789...
Phone numbers: (831) 888 8888
Spouse: Arthur
Employer(s): TOWN FINANCIAL SERVICES
Address: CA
Report Date: 03/2004
Designation: Personal Assistant
Recruited: 05/2003

[Please Note: The applicant information section comes at the bottom of the Experian credit report]


Potentially Negative Items (The items that may have a negative impact on the creditor)

Public Records
Santa Cruz Main Courthouse
Address: 701 Ocean Street
Santa Cruz, CA
Type: Civil judgment
Plaintiff: Chase
Amount claimed: $400
Responsibility: Individual
Court Type - County
Date filed: 10/2003
Date Resolved: 02/2004
Status: Judgment paid
Plaintiff Lawyer - Alex Wilson


Credit Items
ABC Companies INC
Address: 1100 Main Street, Buffalo
Account Number: 14545872...
Account Status: Past due 180 days
Account Type: Installment
Terms: 14 months
Monthly Payment:
Responsibility: Individual
Original amount: $658
Account Opening Date :5/2002
Reported Since: 6/2002
Last Reported: 1/2003
High Balance: Not Applicable
Recent Balance: $600
Last Payment: $45
Date of Status: 02/2004
Central Valley Commercial Corp
Address: P.O Box 469, Prather California
Account Number: 4554565545...
Account Status: $450 past due
Account Type: Installment
Terms: $50 for 12 months
Monthly Payment: $0
Responsibility: Individual
Original Creditor: Citibank
Original amount: $450
Account Opening Date: 3/2003
Reported Since: 04/2003
Last Reported: 04/2003
High Balance: Not Applicable
Recent Balance: $450
Last Payment: $0
Date of Status: 04/2003
Consumer Statement: The consumer has disputed the item


Accounts in Good Standing
United Auto Credit Corporation
Address:
18191 Von Karman Avenue #300
Irvine, CA 92612-7102
Account Number: 564789854...
Account Type: Installment
Date Opened: 1/2003
Date Closed: 12/2003
Date Paid: 12/2003
Responsibility: Individual
Account Status: Paid in Full
Original Amount: $15,459
Last Payment: $0
Recent Balance: 1,150
Terms: 22 months
High Balance: N.A
Monthly Payment: $175
Credit Card Processing Corporations
Address:
3480 Granada Avenue
Santa Clara, CA 95051-3478
Account Number: 1578975789...
Account Type: Revolving
Date Opened: 2/2003
Date Closed: 6/2003
Date Paid: 6/2003
Responsibility: Individual
Account Status: Closed
Original Amount: Not Applicable
Last payment: $0
Recent Balance: 1,150
Terms: 2 months
High Balance: $4,567
Monthly payment: $0


Inquiries for Your Credit History
Requests viewed by creditors
Union Bank of California
Address: 445 S. Figueroa St.
Plaza Level
Los Angeles, CA 90071
Date of Request
08/15/2004

Purpose - Financial Transaction
Inquiry Type - Individual
Oakwood Mountain View
555 West Middlefield Road
Mountain View, California 94043-3543
Date of Request
09/17/2006
Inquiry Type - Lease Issue

Requests viewed by you This section is only viewed by the consumer
California Bank and Trust
PO Box 7168
Pasadena, CA 91109-7168
Date of Request
09/14/2007
Alliance Bank
120 Madison Street
18th Floor
Syracuse, NY 13202
Date of Request
05/18/2006
American Express
200 Vesey Street
New York, NY
10285
Date of Request
05/18/2006


Consumer Statements
Date Reported

03/18/2002
Statement Type

Victim statements
Statement

**#HK#ID

SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICANT INFORMATION. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING 05-01-02.




* 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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