P.O. BOX 347
HENDERSONVILLE, TN
37077
www.accuratefs.com
ACCURATE FINANCIAL
SERVICES, INC.
Tel: (615) 826-7123
(800) 373-5333
Fax: (615) 826-9667
E-Mail: [email protected]
REQUESTED BY:
PEOPLES HOME EQUITY
1801 S MEYERS ROAD, SUITE 500 OAKBROOK TERRACE, IL 60181
Reference #:
BRCMI-3221247
AUS Reference #:
Request Date:
3/13/2017
Completed Date:
3/13/2017
TM
Credit Assure
Applicant: BOSS-WALKER, SVEN R
Credit bureau
Current score
Potential improvement*
Opportunity type
Timeframe
Potential score
High
Experian
704
+34
Credit management
Immediate
738
Middle
Equifax
690
+24
Credit management
Immediate
714
Low
TransUnion
690
+30
Credit management
Immediate
720
*Potential Improvement
Available cash is set at $5,000. Click on a "more..." button above to try different settings which may yield better results. Potential score improvements include the impact of actions identified by
TM
Credit Assure and the effect of time. Time may account for none, some, or all of a potential improvement, and may decrease it or even cause it to be negative.
TM
Credit Assure disclaimer:
CreditXpert® products are based on information derived from credit reports produced by the major credit reporting agencies. CreditXpert Inc. is not responsible for inaccurate results, including
any due to incorrect, missing, or outdated credit report information. Score changes predicted by CreditXpert products are only estimates and are not guaranteed. CreditXpert Inc. does not
TM
represent that CreditXpert Credit Scores are identical or similar to credit scores produced by any other company. CreditXpert Inc. is not associated with Fair Isaac Corporation. CreditXpert Inc.
is not a credit counseling or a credit repair organization.
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BRCMI-3221247
P.O. BOX 347
HENDERSONVILLE, TN
37077
www.accuratefs.com
Tel: (615) 826-7123
(800) 373-5333
Fax: (615) 826-9667
E-Mail: [email protected]
ACCURATE FINANCIAL
SERVICES, INC.
REQUESTED BY:
PEOPLES HOME EQUITY
1801 S MEYERS ROAD, SUITE 500 OAKBROOK TERRACE, IL 60181
Attention:
ALLEN
Prepared By:
BRCMI-3221247 Request Date:
3/13/2017
vBbf9a4z9R
Completed Date: 3/13/2017
LenderID
Client #:
450
Reference #:
Password:
Client Loan #:
Report Type: INFILE
Sources:
TU, EFX and XPN
Loan Type:
ECOA Type: INDIVIDUAL
AUS Reference #:
Loan Officer:
Applicant Information
Applicant:
BOSS-WALKER, SVEN R
DOB: 08/15/1977
Street Address: 607 W DEMING PLACE UNIT 1
City, State, Zip: CHICAGO, IL 60614
Length of Time:
SSN#: 682-58-4481
Marital Status:
Own/Rent:
Dependants:
Property:
Notice: Your Credit Report is covered by Identity Care Services
In the event this report reflects information that appears incorrect you may contact our consumer
assistance advocate at the phone number listed above for dispute assistance and/or ID resolution
services. This report is covered by the Identity Care Program.
Score Information
TU FICO CLASSIC 04
690
Range 309 to 839
FOR: BOSS WALKER, SVEN R
TU-1
Score Date: 3/13/2017
014 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING
010
ACCOUNTS
008 TOO MANY INQUIRIES LAST 12 MONTHS
012 LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
INQUIRIES IMPACTED THE CREDIT SCORE
XPN/FAIR, ISAAC MODEL II
14
10
05
08
704
Range 300 to 850
FOR: BOSS-WALKER, SVEN R
XPN-1
Score Date: 3/13/2017
LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH
TOO MANY ACCOUNTS WITH BALANCES
TOO MANY INQUIRIES LAST 12 MONTHS
BRCMI-3221247
Page 1 of 4
Score Information
EFX FACTA BEACON 5.0
14
08
10
05
690
Range 334 to 818
FOR: BOSS-WALKER, SVEN R
EFX-1
Score Date: 3/13/2017
LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
TOO MANY INQUIRIES LAST 12 MONTHS
PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING
ACCOUNTS
TOO MANY ACCOUNTS WITH BALANCES
Alerts and Validation
IDENTITYSCAN
EFX-1
INQUIRY SSN HAS NEVER BEEN ISSUED OR WAS ISSUED AFTER JUNE 2011
IDENTITYSCAN
EFX-1
INQUIRY ADDRESS IS LISTED AS A HOTEL/MOTEL
IDENTITYSCAN
EFX-1
INQUIRY ADDRESS IS LISTED AS A MULTI-DWELLING UNIT
EFX SSN INFO
EFX-1
CREDIT REPORT SSN VERIFIED: YES
XPN OFAC ALERT
XPN-1
NAME DOES NOT MATCH OFAC/PLC/FSE LIST
CKPT: INPUT SSN ISSUE DATE UNVERIFIED
XPN-1
CKPT: INPUT SSN ISSUE DATE UNVERIFIED
Source(s) of Information
File Segment
File Holder Name
Social Security #
Address
DOB
EFX-1
BOSS-WALKER, SVEN R 682-58-4481
607 W DEMING PL APT 1, CHICAGO, IL 60614
08/15/1977
TU-1
BOSS WALKER, SVEN R 682-58-4481
607 W DEMING PL APT 1, CHICAGO, IL 60614
08/15/1977
XPN-1
BOSS-WALKER, SVEN R 682-58-4481
607 W DEMING PL APT 1, CHICAGO, IL 60614
Profile Summary
Total App Co
Joint
Total App Co
Joint
Trades:
2
0
Delinq 30:
0
0
0
0
Charge Offs:
Balance:
Terms:
$38598
Delinq 60:
0
0
0
0
Collections:
0
$1536
Delinq 90:
0
0
0
0
Public Records:
0
Amount Past Due:
$0
Inquiries*:
1
1
0
0
Disputes:
0
2
0
0
*Number of inquiries within the last 120 days
BRCMI-3221247
Page 2 of 4
Trades
Date
Reported
Creditor Name
Account Number
Date
Opened
DLA
M&T IL
02/17
10000150218750001
Loan Term: 36M
AUTO LOAN
Company Name
M&T IL
02/17
03/16
Phone
(716) 842-5445
CITI
02/17
546616035527
Loan Term: MIN
CREDIT CARD
Company Name
CITICARDS CBNA
02/17
High
Credit
Credit
Limit
Balance
Owing
49590
Fax
07/16
35208
Historical Status
Acct.
Type
ECOA
#Mo
1486
CURR
12
INST
I
Past Due
Times Past Due
30
60
90
0
0
0
Last Past
Due
0
EFX-1 XPN-1 TU-1
Address, City, State, Zip
1 MANUFACTURERS & TRADERS PLZA, BUFFALO, NY 14203
11234
3390
12500
Phone
(800) 950-5114
Current
Status
Terms
50
CURR
REV
I
Fax
08
0
0
0
0
EFX-1 XPN-1 TU-1
Address, City, State, Zip
Derogatory Trades
No Derogatory Trades exist in this section.
Public Record Information
No Public Records exist in this section.
Additional Address Information
Current Address(es)
Date Reported Move In Date Move Out Date Length of Time Rent Amount
Unit Number
Own/Rent/
Other
Number of
Lates
607 W DEMING PL APT 1, CHICAGO, IL 60614
Balance
EFX-1 XPN-1
TU-1
03/01/2017
Landlord/Mortgage Company:
Verified Date:
Phone:
Verified By:
Former Address(es)
Date Reported Move In Date Move Out Date Length of Time Rent Amount
607 W DEMING PL PL W, CHICAGO, IL 60614
03/01/2017
Landlord/Mortgage Company:
Verified Date:
Unit Number
Own/Rent/
Other
Number of
Lates
Balance
EFX-1
Phone:
Verified By:
Employment Information
Applicant
Employer:
Position Held:
Start/Stop Dates:
Income:
Verified By/Date:
BRCMI-3221247
Applicant
Employer:
Position Held:
Start/Stop Dates:
Income:
Verified By/Date:
Page 3 of 4
The following AKA(s) were reported
Name
SSN #
, /SVEN/R/BOSS/WA **
DOB
01/01/1977
XPN-1
BOS, SVEN
TU-1
BOSS WALKER, SVEN R
TU-1
** Indicates Additional Information May Exist
Inquiries
In the last 120 days
PEOPLES HOME EQUITY
3/13/2017
TU-1
Creditor Information List
Company
Phone
Address
CITICARDS CBNA
(800) 950-5114
M&T IL
(716) 842-5445
1 MANUFACTURERS &
TRADERS PLZA
City,State,Zip
BUFFALO NY 14203
Notice: This is a Merged report containing information supplied by the sources shown. The merge process is
automated and the report may include some duplications and/or omissions.
Bureau Addresses
EQUIFAX
PO BOX 740241, ATLANTA, GA 30374
(800) 685-1111
EXPERIAN
PO BOX 2002, ALLEN, TX 75013
(888) 397-3742
TRANSUNION
2 BALDWIN PLACE, P.O. BOX 1000, CHESTER, PA 19016
(800) 888-4213
This credit report is for the intended use of originating entity only. Use of this credit report by any other entity other than the originating entity
constitutes second use. Second use users are required to post a secondary use inquiry on the consumer credit file. In addition, a Client Service
Agreement must be completed and forwarded to the originating Credit Reporting Agency. Second use users can log onto the following website to
post second use information and obtain a copy of the Client Service Agreement. https://www.xpertonline.net/SecondUse
*** END OF REPORT - 3/13/2017 8:32:47 AM ***
BRCMI-3221247
Page 4 of 4
ACCURATE FINANCIAL
SERVICES, INC.
P.O. BOX 347
HENDERSONVILLE, TN 37077
www.accuratefs.com
Tel: (615) 826-7123
(800) 373-5333
Fax: (615) 826-9667
E-Mail: [email protected]
PEOPLES HOME EQUITY
1801 S MEYERS ROAD, SUITE 500
OAKBROOK TERRACE, IL 60181
Return Service Requested
BOSS-WALKER, SVEN R
607 W DEMING PLACE UNIT 1
CHICAGO, IL 60614
Reference #: BRCMI-3221247
Request Date: 3/13/2017
Completed Date: 3/13/2017
Your Credit Score and the Price You Pay For Credit
What you should know about credit scores
Your credit score is a number that reflects the information in your credit report. Your credit report is a record
of your credit history. It includes information about whether you pay your bills on time and how much you
owe to creditors. Your credit score can change, depending on how your credit history changes.
How we use your credit score
Your credit score can affect whether you can get a loan and how much you will have to pay for that loan.
The range of scores
Score ranges vary by model. The score ranges applicable to your scores are shown in graphs below.
Generally, the higher your score, the more likely you are to be offered better credit terms.
The following boxes contain information about your credit. You will see your credit score and the name of the credit bureau. You
will also see a list of key factors that adversely affected your credit score, as well as a graph that displays where your score ranks in
relation to other U.S. Consumers.
TRANSUNION FICO CLASSIC 04
690
(3/13/2017)
LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
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 REVOLVING ACCOUNTS HAVE BEEN
ESTABLISHED
INQUIRIES IMPACTED THE CREDIT SCORE
EXPERIAN FAIR, ISAAC MODEL II
25%
6%
309
9%
500
9%
550
12%
9%
600
650
16%
14%
700
750
800
(3/13/2017)
21%
704
LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER
REV ACCTS TOO HIGH
TOO MANY ACCOUNTS WITH BALANCES
TOO MANY INQUIRIES LAST 12 MONTHS
BRCMI-3221247
839
3%
300
8%
500
11%
550
10%
600
12%
650
21%
14%
700
750
800
850
SCORE PAGE 1 of 3
EQUIFAX FACTA BEACON 5.0
690
(3/13/2017)
LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
TOO MANY INQUIRIES LAST 12 MONTHS
PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON
BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
TOO MANY ACCOUNTS WITH BALANCES
24%
4%
334
8%
500
11%
550
10%
600
13%
650
14%
700
750
16%
800
818
What if there are mistakes in your credit report?
You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your
credit report, contact the consumer reporting agency
It is a good idea to check your credit report to make sure the information it contains is accurate.
How can you obtain a copy of your credit report?
Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide
consumer reporting agencies once a year.
To order your free annual credit report--By telephone:
Call toll-free: 1-877-322-8228
On the web:
Visit www.annualcreditreport.com
By mail:
Mail your completed Annual Credit Report Request Form (which you can
obtain from the Federal Trade Commission's web site at
www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
How can you get more information?
For more information about credit reports and your rights under Federal law, visit the Consumer Financial
Protection Bureau's Web site at www.consumerfinance.gov/learnmore
BRCMI-3221247
SCORE PAGE 2 of 3
SCORE(S) DISCLOSURE
NOTICE TO HOME LOAN APPLICANT
In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency (credit bureau)
distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.
The credit score is a computer generated summary calculated at the time of the request and based on information a consumer reporting agency (credit
bureau) or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they
are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered
on the mortgage. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how
credit scoring technologies change.
Because the score is based on information in your credit history, it is very important that you review the credit related information that is being
furnished to make sure it is accurate. Credit records may vary from one company to another.
If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency (credit bureau)
at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The
consumer reporting agency (credit bureau) plays no part in the decision to take any action on the loan application and is unable to provide you with
specific reasons for the decision on a loan application.
If you have questions concerning the terms of the loan, contact the lender
**The credit reporting agency (CRA) is allowed to charge a reasonable fee for this disclosure**
EQUIFAX
PO BOX 740241, ATLANTA, GA 30374
(800) 685-1111
EXPERIAN
PO BOX 2002, ALLEN, TX 75013
(888) 397-3742
TRANSUNION
2 BALDWIN PLACE, P.O. BOX 1000, CHESTER, PA 19016
(800) 888-4213
I have received a copy of this disclosure as required by Federal Law and understand my rights regarding my credit scores
Sven R Boss-Walker
BRCMI-3221247
Date
SCORE PAGE 3 of 3