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Sample Credit Report

This is an example of a bad credit report with an explanation of what it means.

"I" means installment account, "R" means revolving credit, "M" means mortgage account, "O" means open account.

These accounts are graded from 1 to 9. So M01 means mortgage account paid within 30 days of due date. M02 means mortgage paid in more than 30 days and less than 60 days. M03 means mortgage more than 60 days but less than 90 days.M04 means more than 90 days but less than 120 days. M05 is mortgage more than 120 days past due. M07 is making regular payments under Wage Earner Plan or similar.

08 is a repossession. 8A is voluntary repossession, 8D is legal repossession.  M09 means bad debt. By the way, if you see, 00 it means too new to rate.

TRANS UNION REPORT

Exact Match between SSN on input and SSN on file.      (This means that the Social security number given is valid and matches)

Personal Information (name, SSN, address and phone number) 
Since 11/1/86 FAD 5/22/01

    Reported
Name MCXXXXX, MIXXXXXL A  
SSN 2XX-XX-1XX2  
Address 4X, N, EXX, DR, Columbia, SC 29XXX 6/1/98
Address 4XX, IXXX, ST. Lancaster, SC 29XXX 1/1/95
Address 3XX, GXXXXXXX ST. Statesville, NC 28XXX  
Phone 2XX-XXXX Personal  

 
 

Add-On Products Summary

Product: Hawk (Hawk is a check for fraud. Such as SSN used in a deathclaim)
Status: Requested product delivered
Available and Clear

Credit Summary (summary of how many of each item is on the report. You will see on this one 4 collection accounts and 3 public record filing) From 11/1/86 FAD 5/22/01

Public Records 3 Collections 4 Negative Trades 1  
Hist Neg Trades 0 # Trades 1 Revolving 0  
Hist Neg Occurr 0 Installement 0 Mortgage 0  
Open Trades 1 Inquiries 3      
Type High Limit Balance Past Due Payment %Avail
Closed $0 $0 $202 $202 $0 -
Totals $0 $0 $202 $202 $0 -

 

Public Records (As you can see the subject has filed bankruptcy and got 2 judgements against him. You can see the date, amount, case # and type.

Reported/Amount ECOA/Subscriber Assets Type/Plaintiff/Attorney Docket/Paud Court/City/State
0X/95 C
Z )XXXXXX
  Civil\ Judgement
Pltff: BXXXX Motor CO
Attn: VXXX P1
95CVM11X Superier Court
0X/98 I
Z 0XXXXXX
 
  Chapter 7 bnkrptcy discharged
Attn: Thomas X HXXXX
9802XXX
0X/99
Federal District
0X/98
1903
I
Z 0XXXXXX
  Civil Judgement
Pltff: Petter Rabbit
21XXX Common Pleas

 
 

Collection Accounts (These are bad debts. You can see medical bills unpaid. 09B is bad debt placed for collected. Placed and balance is the same in this case. Subject has paid nothing towards bills.
Firm/ID Code Paid/ECOA Placed/CLSD VRFD/CS(MOP) $PLCD/BAL Acc# Creditor Name Remarks
ATTN L.L.C.
Y 0XXXXXX1
I 05/99          
CREDBURSYS
Y 0XXXXXXX1
I 09/98          
CREDBURSYS
Y XXXXXXXX1
I 02/98          
CAP RCV SVC
Y 0XXXXXX
I 07/94