Equifax Personal Solutions_ Credit Reports.pdf

11/22/12Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Theft and more

1/11

769 Excellent 759 Very Good

Experian

750 Very Good

TransUnion

E q u i f a x

Experian TransUnion

Payment History Your history of paying bills on time.

Very Good Very Good Very Good

Amount of Debt Your total amount of outstanding debt.

Equifax 3-Bureau Credit Report and Scores as of November 23, 2012

Name: ANAND DAFF

Confirmation Number: 2828413671

Section Title Section Description

1. Credit Score Summary, Understanding Your Score, How Lenders See You

2. Credit Report Personal, Credit, Account, Inquiry, Public and Dispute Information

CREDIT SCORE


1. Credit Score Summary Summary of how your score rates

2. Understanding Your Score Summary of factors that are affecting your score

3. Your Loan Risk Rating The bottom line on how lenders may view your credit risk

Credit Score Summary

Where You Stand

The Equifax Credit Score™ ranges from 280-850. Higher scores are view ed more favorably.

Your 3 credit scores are calculated by Equifax using the information contained in your Equifax, Experian, and TransUnion credit

reports.

Equifax: Your score is considered excellent. Based on this score, you should be able to qualify for some of the low est interest

rates available and a w ide variety of competitive credit offers should be available to you.

Experian & TransUnion: Your score is considered very good. Based on this score, you should be able to qualify for credit w ith

competitive interest rates, and a w ide variety of credit offers should be available to you.

Range 280 - 559Poor

560 - 659Fair

660 - 724Good

725 - 759Very Good

760 - 850Excellent

US Population 12 21 18 12 37

What's Impacting Your Scores

Below are the key areas from these credit reports that are impacting your scores.

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Very Good Very Good Very Good

Length of Credit History How long you've had credit

Poor Poor Poor

Amount of New Credit Your recent credit history of new loans or applications

Very Good Good Very Good

Type of Credit The various types of credit accounts that you have.

Fair Fair Fair

Understanding Your Score

Helping your score Experian TransUnion

Your payment history is excellent.

You do not have too much outstanding debt.

You have not applied for credit recently.

Hurting your score Experian TransUnion

There is insufficient information about installment accounts.

You have a low credit line on credit card accounts.

What's helping your scoreBelow are the aspects of your credit profile and history that are helping each of your 3 credit scores. They are listed in order of

impact to your scores - the f irst has the most positive impact, and the last has the least positive impact. You should make an

effort to continue these good credit habits.

Experian TransUnion

Your payment history is excellent.You have an excellent payment history on your accounts, which helps your

credit score. Paying your bills on time will continue to benefit your creditscore.

Your number of accounts that were either 30 days past due in the last 6 months, or in charge-off, repossession,collections, bankruptcy or foreclosure status in the last 2 years: 0

Equifax 760+ ClubAbout 97% of Equifax 760+ Club members have accounts that were neither 30 days past due in the last 6 months norin charge-off, repossession, collections, bankruptcy or foreclosure status in the last 2 years.

You do not have too much outstanding debt.You have limited the amount of credit you are utilizing on revolvingaccounts. If you keep your credit utilization low, it will continue to help yourcredit score.

Equifax 760+ ClubAbout 98% of Equifax 760+ Club members have either no closed credit card accounts, or they have closed credit card

accounts with $0 balance.



769 Excellent 759 Very Good

Experian

750 Very Good

TransUnion

The Bottom Line:Equifax & ExperianLenders consider many factors in addition to your score w hen

making credit decisions. How ever, most lenders w ould

consider you to be a low risk. You may qualify for favorable

interest rates and offers from lenders and a variety of credit

products may be available to you. If you're in the market for

credit, this is w hat you might expect:

You should be able to obtain higher than average credit limits

on your credit card.

Many lenders may offer you attractive interest rates and

72%

50%

33%20%

12%

7%

Delinquency Rates*

*Delinquency Rate is

defined as the

percentage of

borrow ers w ho

reach 90 days past

due or w orse (such

as bankruptcy or

account charge-off)

on any credit account

over a tw o year

period.

You have not applied for credit recently.You don't have recent credit inquiries, which helps your credit score. Ingeneral, your score benefits when you are not actively seeking credit.

Your number of inquiries is: 1

Equifax 760+ Club

About 88% of Equifax 760+ Club members have had less than 3 credit inquiries in the last 2 years.

What's hurting your scoreBelow are the aspects of your credit profile and history that are hurting each of your 3 credit scores. They are listed in order of

impact to your scores - the f irst has the most negative impact, and the last has the least negative impact.

Experian TransUnion

There is insufficient information about installment accounts.You either have no installment accounts, or there is insufficient informationabout these types of accounts, in your credit file. People without installment

accounts or those who do not have sufficient information about installmentaccounts are considered riskier by lenders. It is important to have varioustypes of credit that are held in good standing in your credit file, including

installment accounts.

Equifax 760+ Club

About 81% of Equifax 760+ Club members either have a balance of less than $177,000 on installment accounts(including mortgages), or have no open installment accounts.

You have a low credit line on credit card accounts.

Your credit report shows that you have a low credit line on your credit cards.People with low amounts of available credit on credit cards are seen ashigher risk by lenders. Your credit score was hurt by this low credit line. Asyou demonstrate a track record of responsible payments, creditors should

be willing to increase your available credit.

Your Loan Risk Rating

- The Equifax Credit Score™ ranges betw een 280 and 850.

- Higher Scores are view ed more favorably by lenders because they represent a low er risk of delinquency or default.



offers.

You may qualify for some special incentives and rew ards

that aren't alw ays offered to the general public.

The Bottom Line:TransUnionLenders consider many factors in addition to your score w hen

making credit decisions. How ever, most lenders w ould

consider you to be a low risk. You may qualify for favorable

interest rates and offers from lenders and a variety of credit

products may be available to you. If you're in the market for

credit, this is w hat you might expect:

You should be able to obtain higher than average credit limits

on your credit card.

Many lenders may offer you attractive interest rates and

offers.

You may qualify for some special incentives and rew ards

that aren't alw ays offered to the general public.

Up to545

546-602

603-647

648-686

687-721

722-752

4%

753-776

2%

777-795

1%

796-850

It is important to understand that your credit score is not the only factor that lenders evaluate w hen making credit decisions.

Different lenders set their ow n policies and tolerance for risk, and may consider other elements, such as your income, w hen

analyzing your creditw orthiness for a particular loan.

CREDIT REPORT


1. Credit Summary Summary of account activity

2. Account Information Detailed account information

3. Inquiries Companies that have requested or viewed your credit information

4. Negative information Bankruptcies, liens, garnishments and other judgements

5. Personal Information Personal data, addresses, employment history

6. Dispute File Information How to dispute information found on this credit report

Credit Summary

Your Credit Summary highlights the information in your credit f ile that is most important in determining your credit standing, distilling

key credit information into one easy-to-read summary.

Accounts

Lenders usually take a positive view of individuals w ith a range of credit accounts - car loan, credit cards, mortgage, etc. -- that

have a record of timely payments. How ever, a high debt to credit ratio on certain types of revolving (credit card) accounts and

installment loans w ill typically have a negative impact.

Equifax TransUnion Experian

Total Mortgage Accounts 0 0 0

Balance $0 $0 $0

Credit Limit N/A N/A N/A

Debt to Credit Ratio N/A N/A N/A

Total Installment Accounts 0 0 0

Balance $0 $0 $0

High Balance N/A N/A N/A

Debt to Credit Ratio N/A N/A N/A

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Total Revolving Accounts 2 2 2

Balance $847 $847 $847

Credit Limit $2,245 $2,245 $2,245

Debt to Credit Ratio 38% 38% 38%

Total Other Accounts 0 0 0

Balance $0 $0 $0

Total Open Accounts 2 2 2

Total Balance $847 $847 $847

Total Credit Limit $2,245 $2,245 $2,245

Total Debt to Credit Ratio 38% 38% 38%

Total Monthly Payment Amount $23 $23 $23

Total Open Accounts w ith a Balance 2 2 2

Debt by Account Type

Equifax

Transunion

Experian



NOTE: Total may not equal 100% due to rounding

Account Age

Usually it is a good idea to keep your oldest credit account open, as a high average account age generally demonstrates stability to

lenders. Also, especially if you have been managing credit for a short time, opening many new accounts w ill low er your average

account age and may have a negative impact.


Length of Credit History 2 Years, 2 Months 2 Years, 2 Months 2 Years, 2 Months

Av erage Account Age 1 Years, 6 Months 1 Year 1 Years, 6 Months 1 Year 1 Years, 6 Months 1 Year

Oldest AccountMIT FEDERAL CREDIT

UNION (Opened 09/2010)MIT EFCU (Opened 09/2010)

MIT FEDERAL CU (Opened

09/2010)

Most Recent AccountAMERICAN

EXPRESS (Opened 02/2012)AMEX (Opened 02/2012) AMEX (Opened 02/2012)

Inquiries - Requests for your Credit History

Numerous inquires on your credit f ile for new credit may cause you to appear risky to lenders, so it is usually better to only seek

new credit w hen you need it. Typically lenders distinguish betw een inquiries for a single loan and many new loans in part by the

length of time over w hich the inquiries occur. So, w hen rate shopping for a loan it's a good idea to do it w ithin a focused period of

time.


Inquiries in the Last 2 Years 1 1 2

Most Recent Inquiry AMEX (Opened 02/2012) AMEX (Opened 02/2012) AMEX (Opened 02/2012)

Potentially Negative Information

Late payments, collections and public records can have a negative impact on your credit standing. The more severe they are and the

more recent they are, the more negative the potential impact.


Public Records 0 0 0

Negativ e Accounts 0 0 0

Collections 0 0 0

Mortgage Accounts

Mortgage accounts include f irst mortgages, home equity loans, and any other loans secured by real estate you ow n.

You have no Mortgage accounts on file

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Installment Accounts

Installment accounts are credit accounts in w hich the amount of the payment and the number of payments are predetermined or

f ixed, such as a car loan.

You have no Installment accounts on file

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Revolving Accounts

Revolving accounts are charge accounts that have a credit limit and require a minimum payment each month, such as most credit

cards.

Open Accounts

AMERICAN EXPRESS


Account Type: Revolving Open Revolving

Account Number: -349991919571XXXX 349991919571XXXX 349991919571XXXX

Payment Responsibility: Individual Individual Individual

Date Opened: 02/2012 02/2012 02/2012

Balance Date: 11/2012 11/2012 11/2012

Balance Amount: $824 $824 $824

Monthly Payment: $0

High/Limit: $1,245 $1,245 $1,245

Account Status: As Agreed As Agreed As Agreed

Past Due Amount: $0 $0 $0

Comments: CREDIT CARD OPEN CURRENT ACCOUNT

LAST PAID:

AMERICAN EXPRESS

PO Box 981537

El Paso, TX-799981537

(800) 874-2717

24-Month Payment History

Equifax

* * * * * * * * NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR

Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec

12 12 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10

TransUnion

* * * * * * * * NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR

Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov

12 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10 10

Experian

* * * * * * * * * NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR

Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec

12 12 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10

Seven-Year Payment History


30 Days Past Due: 0 0 0






MIT FEDERAL CREDIT UNION


Account Type: Revolving Revolving Revolving

Account Number: 485176000996XXXX 48517600XXXX 96XXXX

Payment Responsibility: Individual Individual Individual

Date Opened: 09/2010 09/2010 09/2010

Balance Date: 10/2012 10/2012 10/2012

Balance Amount: $23 $23 $23

Monthly Payment: $23 $23 $23

High/Limit: $1,000 $1,000 $1,000

Account Status: As Agreed As Agreed As Agreed

Past Due Amount: $0 $0 $0

Comments: CREDIT CARD AMT IN HIGH

CREDIT IS CREDIT LIMIT

OPEN CURRENT ACCOUNT

LAST PAID: 10/2012

MIT FEDERAL CREDIT UNION

700 Technology Sq

Cambridge, MA-021393586

(617) 253-2844

24-Month Payment History

Equifax

* * * * * * * * * * * * * * * * * * * * * * NR NR


12 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10 10

TransUnion

* * * * * * * * * * * * * * * * * * * * NR NR NR NR

Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct

12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10 10 10

Experian

* * * * * * * * * * * * * * * * * * * * * * * *


12 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10 10

Seven-Year Payment History





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Other Accounts

These are all accounts that do not fall into the other categories and can include 30-day accounts such as American Express.

You have no other accounts on file

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Payment History Key





Meaning Symbol Meaning Symbol

Pays or Paid as Agreed: * 180+ Days Past Due: 180

30-59 Days Past Due: 30 Collection Account: CA

60-89 Days Past Due: 60 Foreclosure: F

90-119 Days Past Due: 90 Voluntary Surrender: VS

120-149 Days Past Due: 120 Repossession: R

150-179 Days Past Due: 150 Charge Off: CO

Inquiries

A request for your credit history is called an inquiry. Inquiries remain on your credit report for tw o years. These inquires are made by

companies w ith w hom you have applied for a loan or credit.

Equifax

Name of Company Date of Inquiry Type of Business

AMEX 02/26/12 Banking

AMEX

4315 SOUTH 2700 WEST

SALT LAKE CITY, UT 84184-2145

TransUnion


AMEX 02/26/12 Banking

AMEX

4315 S 2700 WEST

ST. LAKE CITY, UT 84184

Experian


AMEX 02/26/12 Oil And National Credit Cards

AMEX

PO BOX 981537

EL PASO, TX 79998

(800) 874-2717

AMEX 05/25/11 Finance

AMEX

20022 N 31ST AVE

PHOENIX, AZ 85027

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Negative Accounts

Accounts that contain a negative account status.


11/22/12

10/11

You have no Negative accounts on file

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Collections

A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the

account has not been paid as agreed.

You have no collections on file

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Public Records

Public record information includes bankruptcies, liens or judgments and comes from federal, state or county court records.

You have nopublic records on file

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Personal Information

The follow ing information is added to your f ile either w hen creditors enter requests to view your credit history, or w hen you report it

to the three nationw ide credit reporting agencies directly.

Registration Information

Name: ANAND DASS

Address: 188 KING ST SAN FRANCISCO, CA 94107

Social Security Number:XXX-XX-6310

Identification Information


Name: ANAND DAFF ANAND DASS ANAND DASS

Social Security Number: XXX-XX-6310 XXX-XX-6310 XXX-XX-6310

Age or Date of Birth: 08/1980 08/1980

Address Information


Address: 540 MEMORIAL DR APT 1301 3103 DAVID AV 3103 DAVID AVE

CAMBRIDGE MA 02139 PALO ALTO CA 94303 PALO ALTO CA 94303

Date Reported: 09/2012 09/2012 09/2012

Address: 3103 DAVID AVE 66 HOMER AV APT 204 540 MEMORIAL DR APT 1301

PALO ALTO CA 94303 CAMBRIDGE MA 02138 CAMBRIDGE MA 02139

Date Reported: 11/2012 08/2012 03/2012

Address: 66 HOMER AVE APT 204 540 MEMORIAL DR APT 1301 66 HOMER AVE APT 204

CAMBRIDGE MA 02138 CAMBRIDGE MA 02139 CAMBRIDGE MA 02138

Date Reported: 10/2012 08/2012

Employment Information


Not Reported Not Reported Not Reported

Employer:

Address:

Date Reported:

Consumer Statement

Equifax






You have no Consumer Statement on file.

TransUnion


Experian


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Dispute File Information

The 3-in-1 Credit Report provides a valuable comparative review of your credit report based on information from the three major

credit reporting agencies. As you review your 3-in-1 Credit Report, you may f ind potential inaccuracies in the information provided by

one or all of the credit reporting agencies. The information below outlines how you may dispute the information w ith the appropriate

credit reporting company using your 3-in-1 Credit Report.

Equifax

When you f ile a dispute, the credit bureau you contact is required to investigate your dispute w ithin 30 days. They w ill not remove

accurate data unless it is outdated or cannot be verif ied.

To initiate a dispute online please visit https://w w w .ai.equifax.com

To check the status or view the results of your dispute please visit https://w w w .ai.equifax.com

TransUnion

Online

Go to http://www.transunion.com/dispute to begin an online investigation of information found in your f ile. No confirmation

number is required.

By Mail

Write to TransUnion at P.O. Box 2000, Chester, PA 19022. No confirmation number is required.

Experian

Online

Go to http://www.experian.com/rs/equifaxinvestigations.html to begin an online investigation of information found in your f ile.

No confirmation number is required.

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Documents

Equifax Personal Solutions_ Credit Reports.pdf