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

Applicant Information

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


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 $1654 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
ALLTEL-CHA Telephone Companies
GREATNORW Credit Unions
SNET Telephone Companies
The following credit inquiries are exclusively to you only.
Date of Inquiry
1ST COM Credit Unions

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