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CreditExpert Products: Experian® Credit Manager(SM) 3 Bureau Report with PLUS Score PLUS Score and Experian Report About PLUS Score
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Dispute Information
Credit Report Guide
Prepared for: JOHN CONSUMER Report Date: 9/26/2003
Personal
Profile		 Credit
Summary		 Public
Records		 Credit
Inquiries		 Account
History		 PLUS
Score
Personal Profile
Here you will find the personal information contained in your credit file, including your legal name(s), current and previous addresses, current and previous employers, and date of birth.
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Name: JOHN CONSUMER
Also Known As: JOHN CONSUMER
Year of Birth: 1976
Address(es):

1000 WESTMINSTER, GARDEN GROVE, CA 92683

1001 NEWHOPE WAY, SANTA ANA, CA 92707
Current Employer: ABC Company
Previous Employer(s): 123 Company
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Credit Summary
This section gives you a broad look at your current and past credit status. Here you'll find the total number of open and closed accounts in your name, the total balance on those accounts, and delinquencies.
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REAL ESTATE:
Count: 2
Balance: $233,458.00
Current: 2
Delinquent 0
Other 0
REVOLVING:
Count: 9
Balance: $950.00
Current: 9
Delinquent 0
Other 0
INSTALLMENT:
Count: 5
Balance: $771.00
Current: 5
Delinquent 0
Other 0
OTHER:
Count: 0
Balance: $0.00
Current: 0
Delinquent 0
Other 0
COLLECTION:
Count: 1
Balance: $0.00
Current: 1
Delinquent 0
Other 0
ALL:
Count: 17
Balance: $235,179.00
Current: 17
Delinquent 0
Other 0
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Public Records
The information in this section comes from federal district bankruptcy records, state and county court records, tax liens and monetary judgments, and in some states, overdue child support records. Public records remain on your credit report for 7-10 years.
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TYPE: Suit
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Date Filed: Jan 12, 1998
Reference #: AB23456
Court: US DIST CT
Plaintiff: MARY HARDT
Liability: N/A
Asset Amount: N/A
TYPE: Bankruptcy: CH-13 Filed
Date Filed: Jun 19, 1997
Reference #: CN94847
Court: US DIST CT
Plantiff: N/A
Liability: $4,526
Asset Amount: $7,580
Credit Inquiries
This section contains the names of those who obtained a copy of your credit report. Inquiries remain on your report up to two years.
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WELLS FARGO BANK
Banks and S&Ls
1/1/2002
BANANA REPUBLIC/MCCBG
Sales Financing Company
6/2/2001
ROBINSON MAY
General Clothing Stores
2/14/2001
MBNA
Banks and S&L
1/6/2001
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Account History
This section contains specific information on each account you've opened in the past. Positive information about your accounts remains on your report indefinitely.
BANANA REPUBLIC
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Account Name: BANANA REPUBLIC
Account Number: XXXX XXXX XXXX 1212
Acct Type: Revolving or Option
Acct Status: Open
Monthly Payment: $0
Date Open: 6/1/2001
Balance: $0
Terms: N/A
High Balance: $1,400
Limit: N/A
Past Due: $0
Payment Status: Pays account as agreed
Comments: CHARGE
 24-Month Payment History
Date:
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan
00 00 00 00 00 00 00 00 00 00 00 01 01 01 01 01 01 01 01 01 01 01 01 02
ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND OK
 
Experian:
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MCCBG/OLD NAVY
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Account Name: MCCBG/OLD NAVY
Account Number: XXXX XXXX XXXX 1313
Acct Type: Revolving or Option
Acct Status: Open
Monthly Payment: $0
Date Open: 12/1/2000
Balance: $0
Terms: N/A
High Balance: $900
Limit: N/A
Past Due: $0
Payment Status: Pays account as agreed
Comments: CHARGE
 24-Month Payment History
Date:
Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
00 00 00 00 00 00 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01
OK OK OK OK OK OK ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND
 
Experian:
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MBNA AMERICA
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Account Name: MBNA AMERICA
Account Number: XXXX XXXX XXXX 1414
Acct Type: Revolving or Option
Acct Status: Open
Monthly Payment: $0
Date Open: 1/1/2000
Balance: $0
Terms: N/A
High Balance: $0
Limit: $4,000
Past Due: $0
Payment Status: Pays account as agreed
Comments: CREDIT CARD
 24-Month Payment History
Date:
Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
00 00 00 00 00 00 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01 01
ND ND ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK ND ND ND ND ND ND ND
 
Experian:
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WFN VICTORIA'S SECRET
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Account Name: WFN VICTORIA'S SECRET
Account Number: XXXX XXXX XXXX 1515
Acct Type: Revolving or Option
Acct Status: Open
Monthly Payment: $0
Date Open: 3/1/1999
Balance: $0
Terms: N/A
High Balance: $1,000
Limit: N/A
Past Due: $0
Payment Status: To new to rate
Comments: CHARGE
 24-Month Payment History
Date:
Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul
00 00 00 00 00 01 01 01 01 01 01 01 01 01 01 01 01 02 02 02 02 02 02 02
ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK ND ND ND ND ND ND ND
 
Experian:
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Legend
OK Current 90 90 Days Late
ND No Data Provided* 120 120 Days Late
30 30 Days Late CO Chargeoff or Collection
60 60 Days Late RF Repossession or Foreclosure
  PP Payment Plan

*Sometimes the credit bureaus do not have information from a particular month on file.
PLUS Score® Report
A PLUS Score is a numerical representation of your credit worthiness. The majority of lenders use some sort of credit scoring model to help predict what kind of credit risk you may be. For each bureau's score and explanation, click on the colored tabs below.
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 PLUS Score from Experian
This PLUS Score is based on information from your Experian credit report.
Your PLUS Score is calculated using the information in your credit report. Since information often differs among your three bureau reports, your PLUS Scores based on those reports will also vary.
Your PLUS Score is: 768 on a scale of 330 - 830.
Your Credit Category is:
Very Poor
Poor
Fair
Good
Excellent
Percentile: Your credit rating ranks higher than 81% of U.S. consumers.
Your PLUS Score Explanation
? Help
About your PLUS Score:
Your PLUS Score is formulated using the information in your credit file. Your PLUS Score can range between 330 and 830, with a higher credit score indicating a lower risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose: to summarize your credit worthiness. Keep in mind that your credit score is just one factor used in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan.
What your PLUS Score means:
Factors in your credit file indicate you have excellent credit. Lenders will likely offer you the best rates and terms. Continue practicing good credit behavior and you should have no problem receiving favorable loan terms and offers with little to no down payments.
What this means to you:
Understanding what credit scoring is and what your individual PLUS Score means can help you improve or maintain your overall credit rating. Credit scoring can also help companies better understand how to serve you. And, the overall benefits of credit scoring are passed on to the consumer, such as faster credit approval, reduction in human error and bias, consistency, and better terms and rates for you through reduced costs and losses for lenders. While lenders may use different scoring models to determine how you score, and each major credit bureau has its own method for calculating credit scores, the scoring models have been fairly well standardized so that a score at one bureau is roughly equivalent to the same score at another. Below are common factors that are both positively and negatively affecting your PLUS Score.
What factors raise your PLUS Score:
  • You´ve paid your bills on time and currently do not have any overdue accounts or derogatory information, such as a collection, charge-off, or bankruptcy, on your report. You can be proud of the fact that you are building a good credit score, so continue with the positive credit behavior!

  • Your average credit limit for your major credit cards, such as VISA or MasterCard, is high. This tells lenders that you have enough financial experience and will be more likely to see you as a good credit risk. Keep paying all your bills on time and work toward minimizing your outstanding balance and you should have no trouble obtaining high credit limits on future credit accounts.

    		•
    What factors lower your PLUS Score:
  • Each time a potential lender or landlord pulls your credit report for review, an inquiry is placed on your file. Having too many inquiries to your credit report is negatively affecting your score. Inquiries stay on your credit report for up to two years, but they are not necessarily negative information. However, too many inquiries may indicate to lenders that you are trying to take on more new debt. Try to keep your inquiries to a minimum and apply for new credit sparingly.

  • Your overall balances are close to your overall credit limits, which may be lowering your score. Having high credit limits shows lenders that you are responsible with your credit, but you should increase the cushion between your debt and your limits by paying down your balances so lenders don't perceive you as getting in more debt than you can handle. This may help improve your credit score.

    		•
    DISCLAIMER

    The PLUS Score®, developed by Experian, is not an endorsement or guarantee of your credit worthiness as seen by lenders. The different risk levels presented here are for educational use only. Your PLUS Score can help you understand what factors raise and lower your credit rating, as well as what you can do to improve your credit standing.

    Please be aware that there are many scoring models used in the marketplace, and each lender´s scoring model has its own set of factors. How each lender weighs their chosen factors may vary, but the exact formula used to calculate your score is proprietary. But generally, the higher your score, the better your chances are of obtaining favorable rates and terms.

    Your PLUS Score was calculated using your actual data from your credit file on the day that you request your PLUS Score, making it comparable to most scoring models in the industry. But keep in mind that other factors, such as length of employment and annual salary, are often taken into consideration by lenders when making decisions about you.

    Also note that each bureau has its own set of data, resulting in a separate PLUS Score for each of your credit files.



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