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Credit Report Prepared For: YEVETTE DIANE SYKES Report as Of: 2/29/2012 Personal & Confidential Please Keep in a safe place for your records.
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Page 1: Printable Report

Credit Report Prepared For:

YEVETTE DIANE SYKESReport as Of: 2/29/2012

Personal & ConfidentialPlease Keep in a safe place for your records.

Page 2: Printable Report

 

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

Page 3: Printable Report

 

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

Page 4: Printable Report

 

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

Page 5: Printable Report

 

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

Page 6: Printable Report

 

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

Page 7: Printable Report

 

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

Page 8: Printable Report

 

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

Page 9: Printable Report

 

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

Page 10: Printable Report

 

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 

 

Page 11: Printable Report

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 1 of 6 Credit Score

Page 12: Printable Report

 

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 

 

Page 13: Printable Report

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 2 of 6 Credit Score

Page 14: Printable Report

 

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 

 

Page 15: Printable Report

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 3 of 6 Credit Score

Page 16: Printable Report

 

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

Page 17: Printable Report

 

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

Page 18: Printable Report

 

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

Page 19: Printable Report

 

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

Page 20: Printable Report

 

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.

Page 21: Printable Report

 

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

Page 22: Printable Report

 

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

Page 23: Printable Report

 

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.

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 3 of 3


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