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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 $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
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