EFTA01265460

Credit Profile Report Unsurpassed data precision and file coverage • •• • S... er• ExperIan' • • • . t . Li. , I t, 'tir „;iris unparalleled accuracy arid superior data quality generate(' by the File One sisters. Experian's Credit Profile Report gives you the accurate, current and complete information you need to: Acquire new business - Make decisions about new customers and new accounts with speed and accuracy Manage customers — Monitor. evaluate and make decisions based on changes in the customer profile as they occur Maximize collections - Detect potential fraudulent activity and take action where wnii weever chances are (neatest File One- is your key to profitable decision making Complete - File One is the most comprehensive nationwide consumer credit information available. Accurate - High-integrity, current information is provided. Easy to read - Our format groups similar data elements together for faster analysis. Flexible - Optional display formats are available. Current and relevant credit information Higher hit ratios and more complete files Unique file matching system that examines many variables Saves you time and money • Eliminates multiple inquiries • Replaces manual searches for information For your reference. a sample Credit Profile Report is provided on the following pages. SONY_GM_00004661 EFTA 00118734 EFTA01265460 tz* Inquiry sample TCAI RTS ONSUMER,,JO Y CONSUMER.NANCY CHRISTINE CAI PA-1 E-AJ Credit Profile Report T CAI T CONSUMER.NANCY CHRISTINE Experian's Credit Profile Report a b C d e f 9 h CONSUMER. ONATHAN (WIN( y ED) • •• • sn:Experian ••::••, txperian 0 00. Inquiry SDNY_GM_00004662 EFTA_00 I 18735 EFTA01265461 • .. • • Expenan- • • • TCA1 RTS CONSUMER,JONATHAN QUINC STREET/BURBANK CA 91502 l i;1010. PAGE 1 DATE 3-28-2006 TIME 11 :19: 56 V001 TCA1 ) JONATHAN QUINCY CONSUMER® SS: *JACK CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR ® Consumer identifying information 1 A code that identifies the Experian or credit reporting agency office nearest to the consumer's current address. Used for consumer referrals. 2 Consumer's name and address, including time frame reported. source and number of subscribers reporting the address. U = Update tape I = Inquiry M = Manual data P= PDS — Expenan's proprietary data source 3 Last subscriber reporting the consumer at his or her current address. 4 Consumer's previous addresses with source. in order by reliability of source. 5 An asterisk preceding any address indicates the address did not match inquiry address. 6 Consumer's Social Security number and other Social Security numbers reported on the consumer's file, in descending order based on number of occurrences reported; asterisk denotes any social not matching inquiry input social. BELL AUTOMOTI 7 Consumer's year of birth or date of birth. 8 Employer's name and address, including time frame reported and source. U = Update tape I = Inquiry 9 Previous employer's name and address, with time frame reported and source. 10 Alternate names such as different. previous surnames or nicknames associated with the consumer's file. SDNY_GM_00004663 EFTA_00 I 18736 EFTA01265462 PH: GE( INP DOB: INP TELE FROM FROM FRAUD SHIELD SUMMARY PUBLIC RECORDS 3 PAST DUE AMT--$3,644 CNT 05/03/05/23 INQUIRIES--3 SATIS ACCTS---6 INSTALL BAL--$27,750 SCH/EST PAY---$1,327 INQS/6 MO--3 NOW DEL/DRG---2 R ESTATE BAL-$263,551 R ESTATE PAY--$1,887 TRADELINE-10 WAS DEL/DRG---2 REVOLVNG BAL--$2,123 REVOLVNG AVAIL---77% PAID ACCT--1 OLD TRADE-12-89 IkANTAGESCORE SCOREX PLUS NEW ACCT BANKRUPTCY PLUS Demographics SCORE SUMMARY = 611 SCORE FACTORS: 91, 50, 12, 31 = 518 SCORE FACTORS: 61, 63, 40, 56 = 1040 SCORE FACTORS: 39, 48, 90, 34 FmudShieleSummary O P. Profile Summary 0 10. Score Summary SDNY_GM_00004664 EFTA _00118737 EFTA01265463 *SO CALIF DISTRICT CO *COUNTY CPR CT SANTA ANA 9 -1 - D#: *U S Oft : VYSLX LUU 6 - IL -UV $12,450 CO LIEN REL 0 7n1 999 $1,200 CIV CL JUDG .NAINTIFF : ALLIED COMPANY 1 -X0'5999 1 -1 $129,803-L ©SUBSCRIBER OPEN AMT-TYP1 SUB# KOB TYP TAM ECOA BALDATE BALANCE ACCOUNT # LAST PD MONTH PAY *CREDIT AND COLLECTION 'ISLAND SAVINGS 25 HEMLOCKS O N. Public records $85,500-A VOLUN BK 7-PETIT AMT-TYP2 PYMT LEVEL PAST DUE 10-03 $1,590-0 12-25-06 $1,590 11-03 $1,590 AL PAYMENT DATA UTED BY CONSUMER** -O H INSURANCE** 3-03 $500-L $775-H 4-20-05 4-05 4-05 :ONSUMER'S REQUEST** k uptc res. Lein 4/1(1 Civil LIctturi , against a consumer. 11 Reporting court's name. 12 Original filing date with court. 13 Status date if status is satisfied, released. vacated, discharged or dismissed. 14 Reporting court's subscriber number. 15 Amount of public record. 16 Type of public record. 17 Certificate ID or docket number. 1$ Code describing the consumer's association to the public record item per the Equal Credit Opportunity Act. 2-05 6-10-06 $2,000 2-05 $2,000-L ATE: 03/01/2007 19 Book and page number. 20 Plaintiff's name. 21 Liability and asset amounts for bankruptcies only. 22 Voluntary indicator only; may d.splay as VOLUN if consumer voluntarily dismissed bankruptcy. Trades Any or all of the following information may appear if provided by a subscriber a. Original credit grantor name for third-party collection agency tradelines b. Balloon payment information (date and amount) or deferred payment start date for deferred loans ACCTCOND MOS REV MAXIMUM PYMT STATUS PYMT HISTORY BY MONTH COLLACCT (28) GGGG-GGGGG-GG 11-03/G GGGGGGGG-G-- PAID (26) OPEN (17) CUR WAS 30 BCCCCCCCCCCCC CCC1CCCCCCCC CURR ACCT NININNNNITNNNNNN MINN 23 Compliance condition code reported by a subscriber to distinguish accounts that are "Closed by Consumer" and/or "Disputed Accounts." 24 Special comments reported by a subscriber or consumer to distinguish accounts that may require special handling. 25 "O" indicates the terms of the loan have been deferred to a future date. SDNY_GM_00004665 EFTA_00I 18738 EFTA01265464 *CENTRAL BANK *BAY COMPANY 9-05 12-28-06 e $21,424-0 $19,814 $400 2-06 $400 OPEN ( 6) DELINQ 30 1 CCCCC 10-02 $43,337-0 41 60 4+ TIMES 4-06-06 $4,346 4-06 Q OPEN (42) 21-1C1C111CC2 2-06 $827 $1354 11-03/1 2211CC211111 0 ( (1) 6-95 $1,730-L $2,437-H BK7PET CHARGOPT 7-07-00 $0 7-00 (62) 9LL665432121C 10-99 CC - CCCCCCCCC TCA1 RTS 3122250*** CONSUMER,JONATHAN QUINCY STREET/BURBANK CA 91502 EMPLOYEES CREDIT UNION 26 .t,tet iNk 27 28 29 !cur 30 Type cf 31 Terms oh.. L Lint. 32 consumer's Lai," • 33 34 Date account IIIIIIIher • opened 6-02 $12,500-L $10,659-H OPEN CURR ACCT 3-24-06 $0 3-06 (46) OCCCCCCCCCCCC 10-05 CCCCCCCCCCCC 7-02 $275,000-0 OPEN CURR ACCT 3 1- 0 6 $263,551 1-06 ( 38 ) C - CC - CCCCCCCC 1-06 $1887 CCCCCCCCCCCC 35 Balance date $s the cat the subscriber's reported . . . account. 36 Date of consumer's last paymew • the account. 37 Amount of the loan or credit aablished. 38 hinicates if the amount is an or loan (0). credit limit (1). high ludance (H). initial charge-oft (C' • anknown (blank). 39 Current balance on the accouir 40 Payment amount the consume, is scheduled to pay on the account. 41 Payment level date is the current status date. 42 The amount past due for account. 43 I ne account condition indicates the current condition of account. 44 Month,. reviewed •• •• • "•• • 45 Maximum delinquency and payment code is the most recent :late and code of the worst status 46 Payment status comments reflect the payment history of the account of the balance date. 47 Consumer's payment history wring the past 25 months 'ginning with the month aipresented by the balance date. The codes reflect the status of the account for each month and are displayed for balance reporting subscribers only: C Current N Current account/Zero balance — no update tape received for this trade 0 Current account/Zero balance —reported on update tape 30 days past the due date 60 days past the due (Sat- 90 days past the due datia SDNY_GM_00004666 EFTA_00 I 18739 EFTA01265465 STATE BANK 12-89 $15,000-L 2-27-06 $2,123 2-06 $100-A $8,479-H 2-06 O RCMAShU PORTFOLIO FR M: SOUTHWEST BANK 6-00 UNK 1 2-28-06 2-06 (1) C 1-06 INQUIRIES HEMLOCKS 01-05-06 2313849 DC BAY COMPANY 12-03-05 2390446 DC $1,500 HILLSIDE BANK 10-21-05 2240679 BC *CONSUMER STATEMENT* 06& 01-20-06 ID FRAUD VICTIM ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY 555-555-5555 OR EVENING 555-555-5555. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 01-20-06. MESSAGES OPEN CURR ACCT (50) CCCCCCCCCCCCC CCCCCCCCCCCC OPEN CURR ACCT CHG REV CONSUMER ASSISTANCE CONTACT: EXPERIAN END -- EXPERIAN 4 120 days past the due date 5 150 days past the due date 6 180 days past the due date 7 Chapter 13 Bankruptcy (Petitioned, Discharged, Reaffirmation of debt rescinded) 8 Foreclosure proceeding, deed in lieu 9 Chapter 7.11 or 12 Bankruptcy (Petitioned, Discharged, Reaffirmation of debt rescinded) G Collection H Foreclosure J Voluntary surrender K Repossession L Charge-off B Account condition change, payment code not applicable - (dash) No history reported for that month Blank No history maintained: see payment status comment 48 Two amounts may display. Indicates the account has a 312.500 (L)imit and the (H)ighest balance was $10.659. 48 Actual monthly payment is indicated by the "-A" directly after the monthly payment amount; represents the actual payment amount received by the lender for that reporting period. Scheduled monthly payment is implied if there is no "-A. or "-E." Estimated monthly payment is indicated by the "-E" directly after the monthly payment amount, calculated by Experian based on reporters formula. d. Portfolio "Sold To:" or "Purchased From: " name D illso Inquiries Inquiries indicate that a Credit Profile Report was received on that date by the subscriber listed. Inquiring subscriber name, number and KOB are shown.Type, terms and amount may display and are from the subscriber's inquiry input. Pfr e• Messages The Messages section may include general consumer statements and informational or other special messages. Consumer statements relating to a tradeline or public record item appear directly after the item. 50 Name. address and telephone number of Experian's consumer assistance office or credit reporting agency nearest to the consumer's current address. Use for consumer referrals. Display is elective; contact your Experian sales representative. SDNY_GM_00004667 EFTA_00 I 18740 EFTA01265466 475 Anton Blvd. Costa Mesa. CA 92626 T: 1 888 414 1120 wenv.expanan.com SDNY_GM_00004668 EFTA_001 I 8741 EFTA01265467 Glossary of account conditions and payment status Version 8 — Numeric S • • • •••• E S: xperian • • . Account conditions Code Account condition Explanation Code Account Explanation condit ion A BK7PET x BK I2RESC B BKiIPET Cu , , • , V BK13RESC ROatfiln'atit,i) of (WM msr HO Chapter 13 haniatilif C BKI2PET I At OPEN D BK BRET Petrbnned for Ch .pIer II A2 PAID Paid arCrurifid f ... CLOSED CI ted,r Haunt E BKTDISC D s haiut Al INACTIVE Ina ..- Cliaptig f tta,l.ltipt • p F BKI1DISC v Cb,1itei II bankrupt CO es CRCDLOST Cr. d din Hal • l• TRANSFER Aix cm' to ancr oft O BKI2DISC hangs 10 REFINANC BKI3DISC D shun 21• DECEASED C011,lifflyr Ipp , pr!-“i o, de' I. BK7DISM Cfri.1P!..., . r • PDBYDLER J BKIIDISM BKLIOREO K BK12DISM BK13DISM f) • an SETTLED AC( M BK7V1/13 •I N BKIINI/D V., ••• ••• I a. BKADJPLN BK12W/D Wrtd A SCNL LOC COOSUIIIPI 14'C IRO V .. SK13W/D Vidk9a...n Goaort BKREAFF Reiff ir.iiatki del,' V BK7RESC BKIIRESC Real fr . no , • , 07, FOREPROC GOVCLAIM SONY_GM_00004669 EFTA 0011874? EFTA01265468 Account conditions (continued) Code Account Explanation condition IN Dif II LCode Account condition Explanation 9.: I ^21 CI Os t• gt, 1, 5 P.,, `-t Display Payment amount types 25-month payment history Delinquency counters Terms frequency SDNY_GM_00004670 EFTA_00 I I 8743 EFTA01265469 Payment status Code Payment status Explanation OD or OP w 11 15' 16. 17" 2T 24* 25 2IP TT' 2:8' 29* 31' 33° 14^ 35. NO STATUS CUR WAS 60-2 CUR WAS 60.3 CUR WAS 60-1- CURR ACCT CUR WAS 90-3 CUR WAS 90-3. Otter dr Ill I • ; :stir • • • (...r tent tilli CUR WAS 120-24 COI IOW ri•rt 120 dais nest nut• nat.. t• or non- trim CUR WAS 150-2+ Current at • . tea Was 150 lows past du- eat. OD 2TIMES Account GO cla,s past dill tad hr. .) lone>. 60 3TIMES Account 60 dile, past due date three times 601• TIMES Account 60 chic µall due date lour or there t Enc, 90 ?TIMES Account 9) as! o IA., trues 90 3- TIMES Account 9t) (tag a past nue en three et lac.-;en; 1202* TIMES Aceoutn 120 cll.; c,.-ict 1502. TIMES Accou"' I5u , du.. dal e tau ,r f" '. 111t. .r. 90 WAS 120• A..., (pa.: tatt na, r.• oast d CUR WAS 30 Loucot a ,1 Via 1 da rad 0.• CUR WAS 30-2 Current a. • id Was 30 Pa CUR WAS 30-3 Current 3, ,, -t•Na s ju ad.. past dco 'lit- Peen s CUR WAS 30-1 Curent d' ' 't 3),la,s CUR WAS 30-5 Cohen t Wa , AI d naSt ti tet•t 3.. CUR WAS 30-6- ON OPI rirrl 30 dal s past ado dot- si. Of ffir fr. hole.; Code Payment status Explanation 37* CUR WAS 60 3S* CUR WAS 90 39' CUR WAS 120 OT 419 CUR WAS 180 42' REDEEMD REPO A la . r..L. ar CUR WAS COLL Cur cont n:comet Was on d tps It not tadt. • • • • ' t. - I 4S• CUR WAS FORE Ccua-• 71' JO DAY DEL 720 30 ?TIMES Account C. di:, rod tic- it. 303TIMES A • ^ ;30 clans past tine (late Oil Orr I rt.., le 304 TIMES cia.s past due 0,0.• taro, 296 30 5TIMES A • • ate 31 dais past due clean 77 306. TIMES A • tut as bar. pa d tic TM 30 WAS 60 A 01di oast d_. Ls ria."t ast chip .late DELINC) 60 .or i+i OA., Im I di,. datr The DEL WAS 90 tat. 3. r p,' OM DELINO 90 6, DEL WAS 120. Or DELINO 120 Or DELINCI 150 ▪ DELINO 160 COFF NOW PAY ' . SDNY_GM_00004671 3 EFTA _00118744 EFTA01265470 Purpose type of account Type Short Explanation code name r. f , Ol p 04 II Type Short Explanation code name N IC 1 t'' ' Pt NC_ I CC 1S[ UNK I ' J1 t CCP I' 3,4 ALB 1f Ia IA i Typo Short Explanation code name ryl tj' , '4) BA SI II SDNY_GM_00004672 EFTA_(N)118745 EFTA01265471 ECOA codes with definitions Association with account currently active 0 1 2 Association terminaled as ot date reported A Undr rnirrirrilerl H 6 ibdty Lornil 3 C AutInni 4 D JO it gli nt 5 E CO I Ilt r 6 F On In hrill of 7 G Snurr w I Bu, Con rual Public record glossary Account conditions Explanation BK 7-PETIT BK 7-DISCHG BK 7-DISMIS BK 11-PETIT BK 13DISCHG BK 71-DISMIS BK 12-PETIT BK I2-DISCHG BK 12-DISMIS BK 13-PETIT BK 13-DISCEIG BK WDISMIS CH SUP JUDG CH SUP SATIS CIV CL JUDG CIV CL SATIS CIV CL vACAT F ED TAX LIEN FEDTAX REL SM CL JUDGMT SM CL SATIS SM CL VACAT STATE TX LN STATE Tx REI SUTT DISMISS SUTT FILED SDNY_GM_00004673 5 EFTA 00118746 EFTA01265472 Kind of business codes Code Explanation Code Explanation Code Explanation I SONY_GM_00004674 EFTA_OOI 18747 EFTA01265473 Cmlr t_ xi sa NT . TC Ft N IJ VC UD u Ur LIG U. Legal and related services Check-cashing services Restaurants/Concessions Pest control Country clubs Employment screening Personal service (nonmedical) — nonspecific Mail-order houses — nonspecific Code Explanation SatelliteTV/Direct broadcast provider Local telephone service provider Home security company Wireless telephone service provider Utilities and fuel— nonsdoc e • VC City and county VF Federal government v K Child support services vk Law enforcement V S State government Court codes V1 Government — nonspec rt V. A 'NB :NC D V.6 V.H M V. p V:Z X 0 XL X NI TZ X A TB VC YD department store Collection departnit nt - loan company Automotive supplies Building supplies/Hardware Clothing and dry goods Drugs, chemicals and related g Wholesale grocery and related products Home furnishings Machinery, equipment surri Credit card processors Wholesale —nonspecif Direct-mall list services List processing vendors Media Advertising — nonspecific Collection department —ACB credit bureau Collection department - Za ZG ZF ZI Zl ZM ZP ZR ZS zT ZW ZY ZZ ollectlons attorney Repossession company Collections — nonspecific Auto reseller Credit report brokers Credit reporting agencies Direct-to-consumer reseller Employment reseller Finance reseller Insurance reseller Leasing and rental reseller filiinufacturing l'...sonal service resell, ▪ nail not elsewhere classil red ▪ • . ices not elsewhere claL slhed • -• • - 'eons's resell. ,:. • , e•, .1 elsewhere classlf leo filer .1, • SDNY_GM_00004675 EFTA _00118748 EFTA01265474 Special comment codes Code Description Code Description Compliance condition codes SDNY_GM_00004676 EFTA_OOI 18749 EFTA01265475