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TRANSUNION CREDIT REPORT
 
TransUnion Credit Report
 
Applicant Information - Provided
Name: HARRY DEBTCC
SSN: 442-72-4983
Address: 309 Cedar Street #89,
Santa Cruz, CA 95060
   
 
Requested By: TOWN FINANCIAL , INC
Date Requested: 06/21/2003
Time Requested: 12:15 Mountain
   
 
 
 
Applicant Information - Returned
Name: HARRY DEBTCC
AKA: KEYNES
SSN: 442-72-4983
Date of Birth: 06/03/1952
   
Current Address: 309 Cedar Street #89,
Santa Cruz, CA 95060
   
 
Employer(s): HEAVY AUTOMATION

 
 
Credit Scores
  TransUnion Empirica Score: 778
Score Factors:
Derogatory public record or collection filed
  Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
  Too many inquiries last 12 months
  Length of time accounts have been established
FICO scores range between 300 and 850. Ratings are as follows:
~ Excellent: Over 750, ~ Very Good: 720 or more, ~ Acceptable: 660 to 720, ~ Uncertain: 620 to 660, ~ Risky: less than 620

This is a mere indicator of your creditworthiness and this model will not appear in your credit report. It is for your better understanding.

Tradelines
  Name/Kind of Business Type/Terms ECOA Opened/Reported
Balance
Limit
Past Due
 
  JCP-MCCBG
Department stores
Installment
MIN
Individual account 09/01/1995
12/01/2003
$152

$0
 
  Status: 01: Paid or paying as agreed
  Payment Amount / Frequency: $40 /
 
Notes: Manual account
 
 
Payment History 2003
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
  2002
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan

  JCP-MCCBG
Department stores
Installment
Monthly
Individual account 09/19/1995
02/09/2002
$0

$0
 
  Status: 01: Paid or paying as agreed
  Payment Amount / Frequency: $29 / Monthly
 
Notes: Manual account

Account closed normally; 02/01/2002
 
 
Payment History 2002
Feb Jan
  2001
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
  2000
Dec Nov

  AMEX
Credit card, travel/entertainment
Revolving
Individual account 09/18/1997
05/15/1999
$0

$0
 
  Status: UR: Unrated or bankruptcy
 
Notes: Manual account

Account closed normally; 11/01/1999
 

  AMEX
Credit card, travel/entertainment
Open
Individual account 12/11/1997
06/01/1999



 
  Status: UR: Unrated or bankruptcy
 
Notes: Manual account

Account closed normally; 06/01/1999
 

  UNVL BK NA
Banks
Revolving
MIN
Individual account 04/13/1997
12/11/2003
$56
$5,000

 
  Status: 01: Paid or paying as agreed
  Payment Amount / Frequency: $20 /
 
Notes: Manual account
 
 
Payment History 2003
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
  2002
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan

  CHEVRON
Oil companies
Revolving
Individual account 04/12/1997
12/21/2003



 
  Status: 01: Paid or paying as agreed
 
Notes: Manual account
 
 
Payment History 2003
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
  2002
Dec



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