Sample Experian Credit Report  
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Prepared for: JOHN CONSUMER Report Date: 9/26/2003

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.
EXPERIAN
EQUIFAX
TRANSUNION
Name: JOHN CONSUMER
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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.
EXPERIAN
EQUIFAX
TRANSUNION
REAL ESTATE:
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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.
EXPERIAN
EQUIFAX
TRANSUNION
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
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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.
EXPERIAN
EQUIFAX
TRANSUNION
WELLS FARGO BANK
Banks and S&Ls
1/1/2002
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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
EXPERIAN
EQUIFAX
TRANSUNION
Account Name: BANANA REPUBLIC
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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
NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO OK
 
Experian:
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MCCBG/OLD NAVY
EXPERIAN
EQUIFAX
TRANSUNION
Account Name: MCCBG/OLD NAVY
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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 NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO
 
Experian:
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MBNA AMERICA
EXPERIAN
EQUIFAX
TRANSUNION
Account Name: MBNA AMERICA
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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
NO NO NO NO NO NO NO OK OK OK OK OK OK OK OK OK OK NO NO NO NO NO NO NO
 
Experian:
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WFN VICTORIA'S SECRET
EXPERIAN
EQUIFAX
TRANSUNION
Account Name: WFN VICTORIA'S SECRET
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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
NO NO NO NO NO OK OK OK OK OK OK OK OK OK OK OK OK NO NO NO NO NO NO NO
 
Experian:
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 PLUS ScoreSM 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 personalized analysis, 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: 799 on a scale of 330 - 830.
Your Credit Category is:
Very Poor
Poor
Fair
Good
Excellent
Percentile: Your credit rating ranks higher than 99.83% of U.S. consumers.
PLUS Score Analysis
? 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 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 creditworthiness. Keep in mind that your 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.
What this means to you:
Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers 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.
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 helping yourself maintain a good credit score, so continue with the positive credit behavior! (P-A)

  • You have a good cushion of available credit between your current balance and your credit limits on all open trades. This has a positive affect on your credit score. This cushion shows lenders that you are unlikely to overextend yourself financially. If you keep paying your bills on time and keep your credit balances low, you will likely continue to enjoy a positive credit score. (P-I)

  • You have worked a long time building a credit history, which is having a positive impact on your credit score. Having a history of long-term credit accounts that you consistently pay on-time is one way that lenders view your financial responsibility. Maintaining positive credit behavior will help you maintain a good score. (P-C)

  • 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 they will be more likely to see you as a good credit risk. Keep paying all your bills on time and minimizing your outstanding balances and you should have no trouble obtaining the same high credit limits on future credit accounts. (P-F)

  • What factors lower your PLUS Score:
  • Credit scores are calculated based on various factors in your credit report. Currently, your credit report does not show any significant negative or derogatory information. You can be proud of the fact that you are building a good credit history, so continue with your positive credit behavior! (N)

  • Consumer Statement:
    Statement: No Statement(s) present at this time

    DISCLAIMER

    The PLUS ScoreSM, 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 impact your credit score.

    Please be aware that there are many scoring models used in the marketplace, and each lenderĀ“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. In general, 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 requested your report, making it comparable to most scoring models in the industry. Keep in mind however 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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