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Credit Report
| Prepared on: |
Credit Report Prepared for:
|
Expires on: |
| 8/27/2002 |
|
9/26/2002 |
Personal Information
| Surname: |
Given Name: |
Social Insurance
Number: |
| SAMPLE |
JOHN |
|
| Birth Date: |
Telephone Number: |
| Jun 28, 1955 |
6045551111 |
Residence(s)
| House Number: |
Street Name: |
City: |
|
Prov: |
|
Postal: |
Since: |
| 336 |
Bassett Drive |
Vancouver |
|
BC |
|
K1J3P2 |
Apr 1, 2001 |
| 22 |
149 St. |
Moosejaw |
|
SASK |
|
V3P5K9 |
Oct 4, 1999 |
| 4340 |
Stetan Ave |
Calgary |
|
AB |
|
A4L2B7 |
Aug 20, 1998 |
| 580A |
Amelia Cres |
Toronto |
|
ONT |
|
G0A1T0 |
Oct, 1995 |
Employment Records
| Employer Name: |
Occupation: |
Since: |
| THE RESTAURANT |
SERVER |
OCT 26, 1999 |
| PLANET PLUTO NIGHTCLUB |
DISK JOCKEY |
AUG, 1997 |
| YXZ |
TCONCIERGE |
MAY, 1980 |
Credit Summary
|
Date File Opened:
|
Date
Updated: |
Date of Last Credit Check:
|
Total
Credit Limit All Accounts: |
| Sep 05, 1933 |
Aug 27, 2002 |
Aug 27, 2002 |
$11,500.00 |
|
Total Balance All Accounts:
|
Total Monthly Payment Amount:
|
Total Number of Accounts on File:
|
| $2,050.00 |
$43.00 |
3 |
|
Number of Accounts Paid as
Agreed:
|
Number of Accounts with Late
Payments:
|
Credit Utilization:
|
| 0 |
3 |
17.83% |
|
Installment Accounts
|
|
Revolving Accounts
|
|
|
Account Balance:
|
$0.00 |
Account Balance:
|
$2,050.00 |
|
Amount Monthly:
|
$43.00 |
Amount Monthly:
|
$0.00 |
|
Amount due less 120 days:
|
$0.00 |
Amount due less 120 days:
|
$0.00 |
|
Amount due over 120 days:
|
$0.00 |
Amount due over 120 days:
|
$0.00 |
|
Total Times Delinquent
|
|
| 30
Days Late |
: 3Time(s) |
|
60
Days Late |
: 2Time(s) |
|
90+
Days Late |
: 2Time(s) |
|
Creditor's Name:
|
Telephone Number:
|
Account Type:
|
| MASTERCAD |
8006984785 |
Revolving |
|
Account Number:
|
***********3006 |
|
|
Date Account Opened:
|
Aug 05,
1997 |
30 Days Late
|
: 1 Time(s) |
|
Credit Limit:
|
$4,000.00 |
|
Current Balance:
|
$350.00 |
60 Days Late
|
: 0
Time(s) |
|
Date Balance Last Updated:
|
Jul 16, 2002 |
|
Minimum Payment Amount:
|
$15.00 |
90+ Days Late
|
: 1
Time(s) |
|
Amount Past Due:
|
$0.00 |
|
Number of Months History is
Reported Over:
|
60 |
Credit Rating
|
: Delinquent |
|
Comments/Current Payment Status:
|
|
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Creditor's Name:
|
Telephone Number:
|
Account Type:
|
| VISA |
8005463256 |
Revolving |
|
Account Number:
|
************7130 |
|
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Date Account Opened:
|
Oct 05,
1998 |
30 Days Late
|
: 1 Time(s) |
|
Credit Limit:
|
$5,000.00 |
|
Current Balance:
|
$900.00 |
60 Days Late
|
: 1
Time(s) |
|
Date Balance Last Updated:
|
Aug 02, 2002 |
|
Minimum Payment Amount:
|
$12.00 |
90+ Days Late
|
: 0
Time(s) |
|
Amount Past Due:
|
$0.00 |
|
Number of Months History is
Reported Over:
|
48 |
Credit Rating
|
: Delinquent |
|
Comments/Current Payment Status:
|
|
|
Creditor's Name:
|
Telephone Number:
|
Account Type:
|
| DINERS CLUB |
8009564512 |
Revolving |
|
Account Number:
|
**********5017 |
|
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Date Account Opened:
|
Jan 11,
1997 |
30 Days Late
|
: 1 Time(s) |
|
Credit Limit:
|
$2,500.00 |
|
Current Balance:
|
$800.00 |
60 Days Late
|
: 1
Time(s) |
|
Date Balance Last Updated:
|
Aug 04, 2002 |
|
Minimum Payment Amount:
|
$16.00 |
90+ Days Late
|
: 1
Time(s) |
|
Amount Past Due:
|
$0.00 |
|
Number of Months History is
Reported Over:
|
60 |
Credit Rating
|
: Delinquent |
|
Comments/Current Payment Status:
|
|
Collections
|
Collection Agency Name:
|
CHRIS'COLLECTIONS
|
Phone Number:
|
6048777895 |
|
Amount Still Owing:
|
$600.00 |
Date Collection was Reported:
|
May 12,
2001 |
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Collection Status:
|
DISCHARGED |
Date Info was Last Updated:
|
Jun 12, 2001 |
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Date Status Last Updated:
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Sep 15, 2002 |
Initial Amount for Collection:
|
$700.00 |
Public Records
| Plaintiff's Name: |
BC HYDRO |
Date Reported |
Sep 05, 2001 |
| Court Information: |
12 |
Status of Dispute: |
NOT VERIFIED |
| Court Case Number: |
1094 |
Amount Disputed: |
$2,500.00 |
| Lawyers Name: |
MARK ROOTS |
Date Status last
Updated: |
|
Bankruptcies
|
Trustee Information:
|
A B C COMPNAY |
Court Information:
|
Bankruptcy Court |
|
Court Case Number:
|
3025 |
Status:
|
NOT VERIFIED |
|
Date Reported:
|
May
16, 2001 |
Date Status Last Updated:
|
Jun
28, 2002 |
|
Assets Less Liability Amount at
Time of Filing:
|
$3,025.00 |
|
Credit References
|
Name of Reference:
|
|
Reference Phone Number:
|
Reference
Date: |
| HERNANDEZ
INC |
|
6048865969 |
Apr 05,
2002 |
Credit Checks
| Company Name: |
|
Phone Number: |
Date of Inquiry: |
Reason for Inquiry: |
| IQUIRI INC |
|
6045553333 |
Aug 27, 2002 |
|
| A B C INQUIRIES |
|
6049583652 |
Jun 12, 2002 |
|
| Hertz Rental |
|
6045554444 |
Aug 7, 1999 |
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| Telus Mobility |
|
6042223333 |
Jun 1, 2001 |
|
| A B C INQUIRIES |
|
6049583652 |
Jun 12, 2002 |
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Consumer Statements and Notes
| Notes: |
|
Date Note Added to
Credit Report: |
| VISA Paid as agreed. |
|
May 14, 2001 |
|
Personalized Credit
Analysis
Credit Rating
Your Current Credit Rating is:
Fair
What Does My Credit Rating Mean?
Your personalized credit
analysis is based on the information in your credit bureau record.
Your Credit Rating is an overall summary of your credit worthiness.
Higher ratings are better. With a high rating, you have a good
chance of getting the credit and loan(s) you want. Your score or
rating is not the only thing lenders look at when making their
decision. Other information is also evaluated like account balances,
payment patterns and monthly credit payment amounts.
Currently, your Credit Rating is FAIR.
This will make it difficult for you to get the best offers,
especially for credit cards. Be prepared to pay higher fees and
interest rates as well as make deposits and down payments. Also, you
may not be able to get high credit limits and/or high loan amounts.
If you demonstrate that you are reliable by always paying your bills
on time, your credit score can improve significantly within a year.
Check the Factors That Affect Your Credit section to find out
specifically what is affecting your credit rating.
Personalized Credit Analysis
Credit Summary
JOHN SAMPLE , your credit file was opened on 1/11/1997 when you opened
your DINERS CLUB account. As of today, you currently have 3 accounts
listed on your credit file with a combined outstanding balance of
$2,050.00 with monthly payments of $43.00. The following 3
creditors have recorded at least one late payment:
- MASTERCAD
- VISA
- DINERS CLUB
Your file was last updated by creditors
on 9/5/2001 and now reflects a total of 3 payment(s) that were 30 days
late, 2 payments that were 60 days late and 2 payments that were 90 or
more days late. You currently owe a total of $0.00 to creditors that you
have not paid in over 120 days. A $11,500.00 credit limit has been made
available to you, of which, you are currently utilizing 17.83% percent.
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| Factors that Affect
your Credit Rating |
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Frequent Delinquency
You have 7 delinquent payments recorded on your credit file.
Your failure to consistently pay at least one of your creditors
in the manner in which you agreed to when you received credit
may increase your cost in obtaining a loan or credit card
account in the future as well as affect the current rates of
interest on your existing accounts. Making payments according to
the terms of your agreement with your creditor over an extended
period of time will eliminate this problem.
|
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Too many accounts with a
balance
of your account(s) have a balance. You have an excessive amount
of accounts with a balance in your account history. Bringing one
or more of your accounts to a zero balance will eliminate this
problem.
|
|
Accounts too recent
The average period over which your accounts have been reported
to the credit bureau is 168 months. Your credit report contains
one or more accounts that have been recently opened. The length
of time since the accounts have been established has not been
sufficient enough for your creditors to properly report the
status of your accounts. Keeping your accounts up-to-date over
an extended period of time will eliminate this problem and
increase your credit worthiness in the eyes of future lenders.
|
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Date of last Credit Check too
Recent
A B C INQUIRIES recently performed a credit check on 6/12/2002.
You have recently applied for credit. Creditors often view
numerous credit applications in a short period of time as high
risk indicators, as you may obtain access to more funds than you
can afford to pay back under the agreed terms leaving lenders
exposed to a potential loss. Decreasing the amount of credit
applications you complete within a six month period will
eliminate this problem.
|
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Recent derogatory public
record or collection
You currently have 1 legal or registered item entries on your
credit file. You failed to pay one or more creditors in the
manner in which you agreed to when you obtained the credit. Your
creditors are pursuing legal avenues and/or have hired a
collection agency in an effort to be repaid by you. Legal
filings and or recent collection activity may adversely affect
your credit worthiness in the eyes of potential lenders and in
most cases will result in denial or higher cost of obtaining
credit. Making payments according to the terms of your agreement
with your creditor over an extended period of time will
eliminate this problem.
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Too few bank revolving, or
other revolving accounts
You have 3 credit card or credit line accounts listed on your
credit report. You require additional recent credit card payment
activity. You may already have a credit card account, however
lenders are reluctant to gauge your credit worthiness on the
basis of one or two credit references. Opening additional credit
card accounts and keeping them up-to-date over an extended
period of time will eliminate this problem.
|
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Derogatory public record or
collection filed
Your creditors are pursuing legal avenues and/or have hired a
collection agency in an effort to be repaid by you. Legal
filings and or recent collection activity may adversely affect
your credit worthiness in the eyes of potential lenders and in
most cases will result in denial or a higher cost of obtaining
credit. Paying your outstanding balance in full as well as
accrued interest will help you appease creditors and get you
back on track.
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Bankruptcy
You have declared bankruptcy within the last 14 years.
Bankruptcy will adversely affect your credit worthiness in the
eyes of potential lenders and in most cases will result in
denial or a higher cost of obtaining credit. In order to obtain
credit you may have to provide security, such as personal assets
or cash deposits. In extreme cases, creditors may also require a
co-signer.
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| Missing or
outdated information |
|
An
estimated 48% of credit reports contain inaccuracies or errors. It's
important to correct these errors and update the credit bureau before
they impact your buying power and credit rating.
The information reported in a credit file is provided to the credit
bureau by credit grantors, federal and provincial government offices and
public registries. The details relating to manner of payment and
historical status reflect the actual manner in which you paid your
accounts. The credit bureau cannot alter in any way the information
reported, unless the information is determined to be wrong, incomplete
or otherwise inaccurate. You have the right, as a consumer, to dispute
information contained in your credit file. For consumers who wish to
dispute any information, the credit bureau will conduct an investigation
for verification and resolution.
In order to aid you in determining the accuracy and completeness of your
file, below is information identifying areas of your credit report that
appear to be incomplete or inaccurate:
- Social Insurance Number
- Bankruptcy
- Credit Card Information
- Current Employer
Updating your file with the
correct personal information will help creditors make the most
accurate decision about you. Please visit the Credit
Information Center to learn how to update and dispute
inaccuracies on your credit report
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