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Credit Report Prepared For:
YEVETTE DIANE SYKESReport as Of: 2/29/2012
Personal & ConfidentialPlease Keep in a safe place for your records.
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Table of Contents
Personal Information _____________________________________________________________________ 1 Report Summary ________________________________________________________________________ 2 Bankruptcy & Court Judgments ____________________________________________________________ 3 Credit Inquires __________________________________________________________________________ 4 Credit Cards, Loans & Other Debt ___________________________________________________________ 8 Credit Score ___________________________________________________________________________ 15
Experian ____________________________________________________________________________ 16
Equifax ______________________________________________________________________________ 17
Transunion ___________________________________________________________________________ 18
FreeCreditReport.com | A Part of Experian
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Personal InformationHere you will find your personal information, including your legal name(s), year of birth, current and previous addresses, and current and previous employers.
Profile
Name YEVETTE D SYKES YEVETTE DIANE SYKES YEVETTE D SYKES
(Also Known As) AKA YVETTE D SYKES SYKES,YEVETTE,DIANEYear of Birth 1969 1969 1969
Address(es) 6667 E SCARLETT ST, TUCSON, AZ 85710-1006
PO BOX 27759, TUCSON, AZ 85726-7759
3815 E BELLEVUE ST, TUCSON, AZ 85716-4011
6667 E SCARLETT ST, TUCSON, AZ 85710
PO BOX 27759, TUCSON, AZ 85726
3815 E BELLEVUE ST APT B, TUCSON, AZ 85716
6667 SCARLETT ST, TUCSON, AZ 85710
3815 BELLEVUE ST B, TUCSON, AZ 85716
27759 PO BOX 27759, TUCSON, AZ 85726
Current Employer YMCA YMCA YMCA
Previous Employer MULCAHY CITY YMCA YMCA
This space is reserved for statements of dispute. For most consumers, no information appears in this section.
Personal Statement
Personal Information Page 1 of 1 Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Report SummaryHere you will find a summary of all your open and closed accounts, including any delinquencies. Open accounts contain current balances at the time the report was pulled. Account totals, including total debt, are found at the end of this section.
Real Estate Delinquent Account(s)
Count 1 1 1
Balance $168,200.00 $168,200.00 $168,200.00Current 0 0 0
Delinquent 1 1 1Other 0 0 0
Revolving Current Account(s)
Count 5 4 4
Balance $3,214.00 $1,802.00 $1,802.00Current 2 1 1
Delinquent 0 0 0Other 0 0 0
Installments Delinquent Account(s)
Count 2 2 2
Balance $12,474.00 $12,474.00 $12,474.00Current 1 1 1
Delinquent 1 1 1Other 0 0 0
Other
Count 0 0 0Balance $0.00 $0.00 $0.00Current 0 0 0
Delinquent 0 0 0Other 0 0 0
Collections Current Account(s)
Count 2 1 2
Balance $874.00 $1,413.00 $874.00Current 0 0 0
Delinquent 0 0 0Other 0 0 0
All Accounts Delinquent Account(s)
Count 10 8 9
Balance $184,762.00 $183,889.00 $183,350.00Current 3 2 2
Delinquent 2 2 2Other 0 0 0
Personal Information Report Summary Page 1 of 1 Bankruptcies Credit Inquires Credit Cards & Loans Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Bankruptcy & Court JudgmentsHere you will find any court-related information, including bankruptcies, state and county court records, tax liens, monetary judgments, and in some states, overdue child support payments. Remember, bankruptcies remain on your report for 7-10 years.
Public Records
There are no Public Records on your credit report at this time.
No History No History No History
Personal Information Report Summary Bankruptcies Page 1 of 1 Credit Inquires Credit Cards & Loans Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.
CREDITORS INTERCHG
Business Name CREDITORS INTERCHG
Inquiry Date 1/5/2012 Business Type Other Collection Agencies
716-614-7500
80 HOLTZ DRBUFFALO, NY 14225
COX COMM - ARIZONA
Business Name COX COMM - ARIZONA
Inquiry Date 8/12/2011 Business Type Miscellaneous Utilities
No Phone Provided
1550 W DEER VALLEY ROADPHOENIX, AZ 85027
WFFNATBANK
Business Name WFFNATBANK
Inquiry Date 7/5/2011Business Type Collection services
800-231-5089
MAC N8235-04M PO BOX 14517DES MOINE, IA 50306
WFFNATBANK
Business Name WFFNATBANK
Inquiry Date 6/2/2011Business Type Collection services
800-231-5089
MAC N8235-04M PO BOX 14517DES MOINE, IA 50306
Personal Information Report Summary Bankruptcies Credit Inquires Page 1 of 4 Credit Cards & Loans Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.
CITIFINANCIAL
Business Name CITIFINANCIAL
Inquiry Date 11/24/2010 Business Type Personal Loan Companies
520-747-1376
6545 E 22ND STTUCSON, AZ 85710
CAP ONE
Business Name CAP ONE CAP ONE
Inquiry Date 11/8/2010 11/8/2010Business Type Bank Credit Cards Banks and S&Ls
No Phone Provided
PO BOX 30281SALT LAKE CITY, UT 84130
CAPITAL ONE BANK USA
Business Name CAPITAL ONE BANK USA
Inquiry Date 11/8/2010 Business Type All Banks
No Phone Provided
15000 CAPITAL ONE DRIVEPO# 12000-0000130428 RICHMOND, VA 23238
WFFNATBANK
Business Name WFFNATBANK
Inquiry Date 8/28/2010Business Type Contractors
800-231-5089
MAC N8235-04M PO BOX 14517DES MOINES, IA 50306
Personal Information Report Summary Bankruptcies Credit Inquires Page 2 of 4 Credit Cards & Loans Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.
BK OF AMER
Business Name BK OF AMER
Inquiry Date 7/22/2010Business Type Banks and S&Ls
800-421-2110
PO BOX 982238EL PASO, TX 79998
BANK OF AMERICA
Business Name BANK OF AMERICA
Inquiry Date 7/21/2010 Business Type Bank Credit Cards
800-421-2110
PO BOX 17054WILMINGTON, DE 19850
WFFNATBANK
Business Name WFFNATBANK
Inquiry Date 7/1/2010Business Type Home Furnishing
800-231-5089
MAC N8235-04M PO BOX 14517DES MOINES, IA 50306
COX COMM - ARIZONA
Business Name COX COMM - ARIZONA
Inquiry Date 4/30/2010 Business Type Miscellaneous Utilities
No Phone Provided
1550 W DEER VALLEY ROADPHOENIX, AZ 85027
Personal Information Report Summary Bankruptcies Credit Inquires Page 3 of 4 Credit Cards & Loans Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.
CREDCO
Business Name CREDCO CREDCO FA CREDCO
Inquiry Date 3/23/2010 3/23/2010 3/23/2010Business Type Mortgage Reporters Miscellaneous Reptg. Agencies Finance, personal
800-637-2422
12395 FIRST AMERICAN WAYPOWAY, CA 92064
Personal Information Report Summary Bankruptcies Credit Inquires Page 4 of 4 Credit Cards & Loans Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
ALLIANCEONE INC
Potentially Negative
Account Name ALLIANCEONE INC ALLIANCEONE
Account # 2655XXXX 2655XXXXAccount Type Collection Department / Agency /
Attorney Collection Account
800-456-8838 Balance $786.00 $786.00
6565 KIMBALL DRGIG HARBOR, WA 98335
Past Due $786.00 Date Opened 9/1/2011 9/9/2011
Account Status Closed OpenMo. Payment
Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Collection account
High Balance Limit
Terms 1 Month Comments Placed for collection
2009 2010 2011NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT
KD
Month Experian
Equifax TransUnion
BANK OF AMERICA, N.A.
Potentially Negative
Account Name BANK OF AMERICA, N.A. BANK OF AMERICA, N.A BK OF AMER
Account # 21693XXXX 21693XXXX 21693XXXXAccount Type FHA Real Estate Loan Real Estate Mortgage account
No Phone Provided Balance $168,200.00 $168,200.00 $168,200.00
450 AMERICAN STSIMI VALLEY, CA 93065
Past Due $3,647.00 $3,647.00 $3,647.00Date Opened 4/1/2010 4/1/2010 4/19/2010
Account Status Open Open OpenMo. Payment $1,220.00 $1,220.00 $1,220.00
Payment StatusPast due 90 days
not more than four payments past due
90 days past due
High Balance $171,830.00 $171,830.00Limit
Terms 360 Months 360 MonthsComments
REAL ESTATE MORTGAGEFHA MORTGAGE
2010 2011 2012FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 60 90 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 60 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 60
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 1 of 6 Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
CAPITAL ONE AUTO FINAN
Potentially Negative
Account Name CAPITAL ONE AUTO FINAN CAPITAL ONE AUTO FIN CAPITAL 1 FA
Account # 6206210699591XXXX 6206210699591XXXX 6206210699591XXXXAccount Type Auto Loan Installment Installment account
No Phone Provided Balance $12,474.00 $12,474.00 $12,474.00
3901 DALLAS PKWYPLANO, TX 75093
Past Due $1,636.00 $1,636.00 $1,636.00Date Opened 1/1/2008 1/1/2008 1/9/2008
Account Status Open Open OpenMo. Payment $545.00 $545.00 $545.00
Payment StatusPast due 60 days
not more than three payments past due
60 days past due
High Balance $23,771.00 $23,771.00Limit
Terms 72 Months 72 MonthsComments AUTO
2010 2011 2012FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JANOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 30 60 30 60 30 60OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 30 60 30 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 30 60 30 60 30
Month Experian
Equifax TransUnion
NCO FIN 02
Potentially Negative
Account Name NCO FIN 02 NCO FIN /02
Account # 2533XXXX 2533XXXXAccount Type Collection Department / Agency /
Attorney Collection Account
800-709-8613 Balance $88.00 $88.00
507 PRUDENTIAL RDHORSHAM, PA 19044
Past Due $88.00 Date Opened 1/1/2012 1/9/2012
Account Status Closed OpenMo. Payment
Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Collection account
High Balance Limit
Terms 1 Month Comments Placed for collection
2010 2011 2012MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB
KD
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 2 of 6 Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
CAP ONE
Potentially Negative Closed
Account Name CAP ONE CAPITAL ONE BANK USA CAP ONE
Account # 51780584XXXX 51780584XXXX 51780584XXXXAccount Type Credit Card Revolving or Option Revolving account
No Phone Provided Balance $545.00 $545.00 $545.00
PO BOX 85520RICHMOND, VA 23285
Past Due $545.00 $545.00 $545.00Date Opened 11/1/2010 11/1/2010 11/9/2010
Account Status Closed Closed ClosedMo. Payment
Payment StatusCharge-off
Bad debt & placed for collection & skip
Charged off as bad debt
High Balance $545.00 $545.00Limit $300.00 $300.00
Terms Revolving Comments
Credit line closed-grantor request-reported by subscriber
CHARGED OFF ACCOUNTACCOUNT CLOSED BY CREDIT GRANTOR
Canceled by credit grantor
2010 2011 2012FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN
OK OK 30 60 90 120 120 ND ND KD KD KD KD KD OK OK OK 30 60 90 120 120 OK OK OK OK OK OK OK
Month Experian
Equifax TransUnion
HOMEPRJVISA
Potentially Negative Closed
Account Name HOME PROJECTS VISA C HOMEPRJVISA
Account # 470500024508XXXX 47050002XXXXAccount Type Revolving or Option Revolving account
800-231-5089 Balance $0.00 $0.00
CSCL DISPUTE TEAMPO BOX 14517DES MOINES, IA 50306
Past Due $0.00Date Opened 8/1/2010 8/28/2010
Account Status Closed ClosedMo. Payment $47.00
Payment Status
Bad debt & placed for collection & skip
Charged off as bad debt
High Balance $1,412.00 $1,412.00Limit $5,400.00
Terms Comments
ACCOUNT TRANSFERRED OR SOLDCHARGED OFF ACCOUNT
Purchased by another lender
2009 2010 2011SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG
OK OK OK 30 60 90 120 120 120 OK OK OK OK
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 3 of 6 Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
WFFNATBANK
Potentially Negative Closed
Account Name WFFNATBANK
Account # 470500024508XXXX Account Type Credit Card
800-737-6682 Balance $1,412.00
PO BOX 94498LAS VEGAS, NV 89193
Past Due $720.00 Date Opened 8/1/2010
Account Status Closed Mo. Payment
Payment Status Charge-off High Balance
Limit $5,400.00 Terms Revolving
Comments Transferred to another lender or claim purchased
2009 2010 2011OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP
OK OK OK OK 30 60 90 120 120 KD KD KD KD OK
Month Experian
Equifax TransUnion
WFFNATBANK
Potentially Negative Closed
Account Name WFFNATBANK WELLS FARGO FINANCIA WFFNB RETAIL
Account # 577442189015XXXX 577442189015XXXX 57744218XXXXAccount Type Charge Account Revolving or Option Revolving account
800-845-6355 Balance $1,257.00 $1,257.00 $1,257.00
PO BOX 94498LAS VEGAS, NV 89193
Past Due $1,257.00 $1,257.00 $1,257.00Date Opened 7/1/2010 7/1/2010 7/1/2010
Account Status Closed Closed ClosedMo. Payment
Payment StatusCharge-off
Bad debt & placed for collection & skip
Charged off as bad debt
High Balance $1,780.00 $2,013.00Limit $2,200.00 $2,200.00
Terms Revolving Comments
CHARGED OFF ACCOUNTCHARGE
Profit and loss writeoff
2010 2011 2012FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN
OK OK OK OK OK OK 30 60 90 120 120 120 KD KD KD KD KD KD KD KD OK OK OK OK OK OK 30 60 90 120 120 OK OK OK OK OK OK OK
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 4 of 6 Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
ZENITH ACQUISITION C
Potentially Negative Closed
Account Name ZENITH ACQUISITION C
Account # BPC022PXXXX Account Type Collection Account
866-479-6011 Balance $1,413.00
170 NORTH POINTE PARKWAYSUITE 300AMHERST, NY 14228
Past Due Date Opened 9/1/2011
Account Status Closed Mo. Payment
Payment Status Unpaid High Balance
Limit Terms
Comments Unpaid
-JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
Month Experian
Equifax TransUnion
CHASE BANK USA, NA
Current Closed
Account Name CHASE BANK USA, NA
Account # 42179206XXXX Account Type Credit Card
800-955-9900 Balance
PO BOX 15298WILMINGTON, DE 19850
Past Due Date Opened 11/1/1993
Account Status Closed Mo. Payment
Payment Status Current High Balance $552.00
Limit Terms Revolving
Comments Credit line closed-grantor request-reported by subscriber
2000 2001 2002JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAYOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 5 of 6 Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
CREDIT ONE BANK
Current Closed
Account Name CREDIT ONE BANK CREDIT ONE BANK CREDITONEBNK
Account # 444796112240XXXX 444796112240XXXX 44479611XXXXAccount Type Credit Card Revolving or Option Revolving account
702-269-1000 Balance $0.00 $0.00
PO BOX 98875LAS VEGAS, NV 89193
Past Due $0.00Date Opened 9/1/2005 9/1/2005 9/13/2005
Account Status Closed Closed ClosedMo. Payment
Payment Status Paid, was past due 120 days Pays account as agreed Paid or paying as agreedHigh Balance $760.00 $250.00 $760.00
Limit $250.00 $250.00Terms Revolving
CommentsCredit line closed-grantor request-reported by subscriber
PAID ACCOUNT / ZERO BALANCEACCOUNT CLOSED BY CREDIT GRANTOR
Canceled by credit grantor
2008 2009JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DECOK OK OK OK OK OK 30 OK OK OK OK OK OK 30 OK OK 30 60 90 120 OK OK OK OK OK OK OK 30 OK OK OK OK OK OK 30 OK OK 30 60 90 120 OK OK OK OKOK OK OK OK 30 OK OK OK OK OK OK 30 OK OK 30 60 90 120 OK OK OK OK OK OK
Month Experian
Equifax TransUnion
WFDS/WDS
Current Closed
Account Name WFDS/WDS WFDS/WDS WFDS/WDS
Account # 51885011XXXX 51885011XXXX 51885011XXXXAccount Type Auto Loan Installment Installment account
No Phone Provided Balance $0.00 $0.00
PO BOX 1697WINTERVILLE, NC 28590
Past Due $0.00Date Opened 7/1/2001 7/1/2001 7/2/2001
Account Status Closed Closed ClosedMo. Payment $410.00 $410.00
Payment Status Paid satisfactorily Pays account as agreed Paid or paying as agreedHigh Balance $16,032.00 $16,032.00
Limit Terms 60 Months 60 Months
Comments
PAID ACCOUNT / ZERO BALANCEAUTO
Closed
2004 2005 2006SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUGOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Month Experian
Equifax TransUnion
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 6 of 6 Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
Payment History Legend
OK Current 30 30 Days Late KD Key Derogatory**
ND No Data* 60 60 Days Late RF Repossession or Foreclosure
90 90 Days Late PP Payment Plan
120 120 Days Late
*Sometimes the credit bureaus do not have information from a particular month on file.** For additional information on Key Derogatory, please see your Credit Report Guide.
Account Status Legend
Current Current Closed Unknown
Potentially Negative Potentially Negative Closed
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page Legend Credit Score
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.
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 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.
DISCLAMER
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 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. 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.
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.
548 548 529
Very Poor
Your Experian PLUS Score ExplanationPercentile: Your credit rating ranks higher than 6.27% of U.S. consumers.
What factors RAISE you PLUS Score:
● Your credit report does not contain negative public records, such as a bankruptcy, lien, lawsuit or judgment filed within the last two years. This is having a positive impact on your credit score. Public record items may remain on your credit report for 7 to 15 years, depending on the item.
What factors LOWER you PLUS Score:
● Your payment history shows 1 or more payments that were late by 30 days or more. Late payments count negatively against your credit score. Negative information can stay on your credit report for up to 7 years for some items, up to 10 years for bankruptcies and 15 years for unpaid tax liens.
● Your report does not show any open, currently active major credit card accounts, such as Discover, American Express, VISA, or MasterCard.
● Each time a potential lender or landlord pulls your credit report for review, an inquiry is placed on your file. Inquiries stay on your credit report for up to 2 years. Having several inquiries on your credit report is negatively affecting your score. They are not necessarily negative information, but too many inquiries may indicate to lenders that you are trying to take on more new debt or possibly overextending yourself.
● Your credit score is being affected by your missed payment(s) on your real estate account, such as a mortgage. If you have a mortgage, its important to keep your payments current because a missed house payment is typically seen by lenders as a sign that you will also likely miss other types of payments.
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 1 of 3
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.
548 548 529
Very Poor
Your EquiFax PLUS Score ExplanationPercentile: Your credit rating ranks higher than 6.27% of U.S. consumers.
What factors RAISE you PLUS Score:
● Your credit report does not contain negative public records, such as a bankruptcy, lien, lawsuit or judgment filed within the last two years. This is having a positive impact on your credit score. Public record items may remain on your credit report for 7 to 15 years, depending on the item.
What factors LOWER you PLUS Score:
● Your payment history shows 1 or more payments that were late by 30 days or more. Late payments count negatively against your credit score. Negative information can stay on your credit report for up to 7 years for some items, up to 10 years for bankruptcies and 15 years for unpaid tax liens.
● Your report does not show any open, currently active major credit card accounts, such as Discover, American Express, VISA, or MasterCard.
● Your credit score is being affected by your missed payment(s) on your real estate account, such as a mortgage. If you have a mortgage, its important to keep your payments current because a missed house payment is typically seen by lenders as a sign that you will also likely miss other types of payments.
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 2 of 3
YEVETTE DIANE SYKESReport As Of: 2/29/2012
Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.
548 548 529
Very Poor
Your TransUnion PLUS Score ExplanationPercentile: Your credit rating ranks higher than 3.86% of U.S. consumers.
What factors RAISE you PLUS Score:
● Your credit report does not contain negative public records, such as a bankruptcy, lien, lawsuit or judgment filed within the last two years. This is having a positive impact on your credit score. Public record items may remain on your credit report for 7 to 15 years, depending on the item.
What factors LOWER you PLUS Score:
● Your payment history shows 1 or more payments that were late by 30 days or more. Late payments count negatively against your credit score. Negative information can stay on your credit report for up to 7 years for some items, up to 10 years for bankruptcies and 15 years for unpaid tax liens.
● Your report does not show any open, currently active major credit card accounts, such as Discover, American Express, VISA, or MasterCard.
● Each time a potential lender or landlord pulls your credit report for review, an inquiry is placed on your file. Inquiries stay on your credit report for up to 2 years. Having several inquiries on your credit report is negatively affecting your score. They are not necessarily negative information, but too many inquiries may indicate to lenders that you are trying to take on more new debt or possibly overextending yourself.
● Your credit score is being affected by your missed payment(s) on your real estate account, such as a mortgage. If you have a mortgage, its important to keep your payments current because a missed house payment is typically seen by lenders as a sign that you will also likely miss other types of payments.
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