www.equifax.ca

SAFESCAN User GuideNOTE: THIS REPORT SHOWS A SAMPLE OF POTENTIAL INFORMATION

FOUND ON A CREDIT REPORT. THIS IS NOT AN ACTUAL REPORT.

SAFESCAN MESSAGE MEANING

Inquiry Social Insurance Number reported retired. Social Insurance Number invalid. The person to whom it was assigned is deceased.

Inquiry Social Insurance Number reported misused. Social Insurance Number has reportedly been used in known orhighly suspicious fraud situations.

† Inquiry Social Insurance Number has not yet been issued. Inquiry SIN is greater than the last number issued by the CentralRegistry Office of Canada.

† Inquiry Social Insurance Number has been reported lost or stolen. Inquiry SIN has been reported lost or stolen.† Inquiry Social Insurance Number has been associated with Inquiries have been made using the same SIN with different names

more than one name or address. and/or addresses within a short time frame.† Inquiry credit card account number has been reported lost or Inquiry credit card account number has been reported lost or stolen

stolen. within the past year.

Inquiry address has been associated with more than one Inquiries have been made using the same address with differentname or Social Insurance Number. names and/or Social Insurance Numbers within a short time frame.

Possible true name fraud. Criteria has been met indicating that a person’s identity and personalinformation is possibly being used by another person to obtain credit.

†Confirmed true name fraud. It has been confirmed that fraudulent credit applications have beensubmitted using the inquiry name.

Inquiry address is a mail drop. The inquiry address is the same as a mail receiving service.Inquiry address is a post office. The inquiry address is the same as a post office.Inquiry address is a detention centre. The inquiry address is the same as a provincial or federal prison or

detention facility.Inquiry address is a hotel/motel. The inquiry address is the same as a hotel/motel.Inquiry address reported misused. The inquiry address has reportedly been used in known or highly

highly suspicious fraud situations.† Inquiry/credit file address is new within 30 days. Inquiry address does not match the address on the Consumer Credit

Report; this address is new within 30-60 days.† Inquiry address does not match credit file address. Inquiry address does not match the address currently listed on the

Consumer Credit Report.* Inquiry residential telephone number reported misused. The inquiry residential telephone number has reportedly been used

in known or highly suspicious fraud situations.* Inquiry business telephone number reported misused. The inquiry business telephone number has reportedly been used in

known or highly suspicious fraud situations.* Inquiry residential telephone number is a public pay telephone. The inquiry residential telephone number is a public pay telephone.* Inquiry business telephone number is a public pay telephone. The inquiry business telephone number is a public pay telephone.* Inquiry residential telephone number is a cellular. The inquiry residential telephone number is a cellular.* Inquiry business telephone number is a cellular. The inquiry business telephone number is a cellular.† Inquiry telephone number has been associated with more than Inquiries have been made using the same telephone number with

one name or address. different names and/or SINs within a short time frame.† Inquiry telephone number is a hotel/motel. Inquiry telephone number is the same as a hotel/motel.SAFESCANNED Inquiry has passed through the SAFESCAN database. No fraud

indication was detected.

*Available to System-to-System Users, Version 4.0 or higher.†Available to Packaging Users.

POSSIBLE CAUSES VERIFICATION SUGGESTIONS

• A retired number used by a surviving spouse receiving death • Check accuracy of operator input: benefits from the Social Insurance Administration. • Correct Social Insurance Number.

• Operator input inaccurate. • Full name instead of only initials.• Applicant, in error, entered inaccurate number. • Suffix entry (Jr., Sr., II, etc.).• Applicant, in error, entered incorrect number (for fraudulent • Social Insurance Number.

reasons). • Apartment.• Applicant intentionally creating new credit identity. • Verify accuracy of information on application (contact customer).• Nickname used. • Check with secondary sources:• Full name of applicant not used. • Employer for job and SIN verification, length of employment

• Credit references.• Operator input inaccurate. • Check accuracy of operator input.• Credit card number has been reported lost or stolen by the

issuing company.• Operator input inaccurate or incomplete. • Check operator input accuracy for:• Full name of applicant not used. • Full name instead of only initials.• Applicant trying to obtain credit fraudulently. • Suffix entry (Jr., Sr., II, etc.).• Nickname used. • Social Insurance Number.

• Apartment numbers.• Correct spellings.

• Operator input inaccurate or incomplete. • Verify accuracy of information on application (contact customer).• Applicant information inaccurate. • Check secondary sources:• Applicant may be using another person’s identity to obtain credit. • Employer for time employed and current address.• Applicant may be a previous victim of someone misusing their • Credit references for consistency of information.

identity. • Credit files, with special attention to inquiries that have notresulted in a new trade line.

• Operator input inaccurate or incomplete. • Check operator input accuracy for correct address.• Applicant is an employee at the prison. • Contact applicant by calling telephone number not on application.• Applicant has mail delivered to post office or mail receiving • Check secondary sources:

source. • Employment.• Applicant’s current address is a hotel/motel. • Credit references.

• Operator input inaccurate or incomplete. • Verify accuracy of information on application (contact customer).• Applicant moved to that address after the fraud was committed. • Check operator input accuracy for correct address.• The applicant has used this address fraudulently in the past. • Check telephone directory.• Applicant has recently moved. • Check secondary sources:• Fraudulent applications have been submitted using that address. • Employment.

• Credit references.

• Operator input inaccurate. • Check operator input accuracy for correct address.• Applicant, in error, entered incorrect number. • Check telephone directory.• Applicant intentionally entered number. • Check secondary sources:• The applicant has used this telephone number fraudulently in the • Employment.

past. • Credit references.

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FS 001 0011 E - 11/06

CONSUMER REPORT1 800 465-7166 6/16/2004

File Requested by: NTREM

IdentificationName: TEST, FILE,P.Current Address: 110, SHEPPARD AVE, NORTH YORK, ON,M2N6S1Previous Address: 60, BLOOR ST W, TORONTO,ON,M4W3C1.Date of Birth, SIN: 1942/02/16, 999-999-998.Reference: NTREM

EmploymentEmployer, Occupation: OWNER TESTS HAIR SALON

Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public, Trades,Banking, Declaration.

Consumer Alert (Subject 1)WarningsInvalid Social Insurance Number

SAFESCANSF-9 Possible True Name Fraud

Product Score (Subject 1)Risk Score 509Serious delinquency and public record or collection filedTime since delinquency is too recent or unknownNumber of accounts with delinquencyLength of time revolving accounts have been established

Bank. Nav. Index 230Age of derogatory public records.Average age of retail trades.Number of recent inquiries.Average age of trades.

Identification (Subject 1)Unique Number 3455234199 File Number 00-0008095-00-037Date File Opened: 01/23/1975 Date of Last Activity: 06/03/2004DOB/Age: 02/16/1942 SIN:

** Consumer Declaration **Name: TEST, FILE, EQUIFAXCurrent Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1Since, R/O/B: 01/2003Reported: STS ReportedFormer Address: 1231, 15 TH AVE, CALGARY, AB, T3C 0X6Since, R/O/B: 01/2003Reported: Tape Reported2nd Former Address: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1Since, R/O/B: 01/2003Reported: Verbally ReportedAlso Known As: PRETEND, FILE, EQUIFAX

Inquiries (Subject 1)Subject shows 3 inquiries since 03/17/2004Member Inquiries:

Date Member No Member Name Telephone06/03/2004 001BB05697 BANQUE SCOTIA (222) 333-333305/08/2004 481FF00722 ASSOCIATES FINANCIAL (111) 222-2222 05/02/2004 057ON00374 PRESIDENTS CHOICE MC (333) 777-777710/13/2002 481BB99080 SCOTIABANK (444) 555-5555 Total number of inquiries: 4Foreign Bureau Inquiries:

Date Member No/City Province and Description06/02/2002 INTLUSA 401BB17978 TD/GM VISA

Employment (Subject 1)Employment Information:Current Employer: TESTS HAIR SALONSince, Left, Position, Salary: , , OWNER, Former Employer: HILTON HOTELSince, Left, Position, Salary: , , HAIR STYLIST, Second Former Employer: DISNEY CRUISE LINECity, Province: TOR, ONSince, Left, Position, Salary: 04/1999, 02/2001, HAIR STYLIST, 1900Verified, Status: 02/2001,

Summary (Subject 1)Pub/Other Trade Oldest-Newest Total High Credit Rating for R/O/I/M/C4 01/2001 - 06/2004 3 2800 - 28K 1-One, 1-Two, 1-Other

Public Records/Other Information (Subject 1)

Information from Bankruptcy Superintendent:

Filed Type Court Name Court No Liab Asset Filed By01/2000 Ind MIN OF ATTORNEY GEN 472VF00022 28000 480 SubjectCase No/Trustee: 22855 MORRIS ETALDisposition: Discharged. 10/2001Description: Bankrupt Absolute Discharge

Collection:

Rptd Type Amt DLA Bal Reason Ledger NumberNORDON COLLECTION, 481YC0003604/2002 Unpaid 482 01/2002 482 Unknown 1111111Verified Date: 04/2002Acct/Creditor: 55555 SEARSDescription: Subject disputes this account

Secured Loan:

Filed Court Name Court No Maturity08/2002 CENT REG TOR 481VC00214 12/2004Creditor/Amt: SUPERIOR CREDIT 9 ELLIS AV TOR 3600Description: Security Disposition Unknown

Judgment:

Filed Type Court Name Court No Amt Status Date Vrfd05/2002 Jdgm 481VC00297 4800Defendant: Test FileCase No: 55555/02Plaintiff: TRANS CANADA CREDITDescription: Disposition Unknown

Trade Information (Subject 1)Member Trades:

Bus/ID Code Rptd Opnd HC Terms Bal PDA Rt 30/60/90 MR DLACIBC (999) 999-9999 *J 007BB01351 06/2004 04/2001 28K 555 4200 555 I2 4/3/1 21 04/2004Prev Hi Rates: I3-07/2002, I4-06/2002, I5-02/2002Account: 8454545Description: Personal Loan

Semi-Monthly PaymentsZELLERS*I 650DV00014 06/2004 01/2001 280026 2555 R1 0/0/0 16 05/2004Account: 845555555Description: Amount in H/C Column is credit limit

Monthly PaymentsTD VISA (999) 999-9999*650ON00044 06/2004 0/0/0Status: Lost or stolen card

Credit Utilization: 22% 30800 6755

Banking (Subject 1)

Checking/Saving:Rptd Opnd Amount Account No Account TypeBANQUE SCOTIA, 001BB05697, (999) 999-9999 06/2004 09/1999 L5F Checking/Saving AccountNb NSF, Status: 4 NSF 2002,

Consumer Declaration (Subject 1)Rptd, Purge: 06/2004, 06/2005Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENTCREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU ACCESS THIS FILEAS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE CUSTOMER THAT IT IS LEGITIMATEBEFORE EXTENDING CREDIT/PHONE (123)456-7890

End Of Report

Credit cannot be denied on the basis ofa SAFESCAN message.

A SAFESCAN warning does not meanthe application information should bethoroughly verified before approval.