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Prepared By
CIBMS - CT
5 Main St.
New Haven, IL 00112
800-530-8008 Fax: 555-555-5555 		Prepared For
Cibms
600 Saw Mill Road
West Haven, CT 06516 		Report ID
33356
Customer Code
M1234
Requested By
michele
Ordered
05/03/2005 		Released
05/03/2005 		Reissued
Price
$18.36 		Repositories Requested
TransUnion, Experian, Equifax
Applicant Co-Applicant
Name
Andrew D. Dvacommon 		Name
Current Address
225 Cove Av
Fantasy Island, IL 60750 		Former Address
Current Address

Former Address
Employer
Fni 		Former Employer
Dollar World 		Employer
Former Employer
Repository Files
Name Social Security Number Repository Score(s) Pulled File ID
Andrew D. Dvacommon 181-50-1952 TransUnion 637 05/03/2005 TUC-A1
Andrew P. Dvacommon 181-50-1952 Experian 579 05/03/2005 EXP-A1
Andrew P. Dvacommon 181-50-1952 Equifax 625 05/03/2005 EQX-A1
Credit Score Information
Score

637
Name
Andrew D. Dvacommon 		Repository
TransUnion 		Model
Fico Risk Score, Classic (98) 		Developed By
Fair, Isaac 		Range
336-843 		Calculated
05/03/2005 		Reported On
TUC-A1
Factors (039, 018, 010, 002)
  • Serious delinquency
  • Number of accounts with delinquency
  • Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
  • Level of delinquency on accounts
Score

579
Name
Andrew P. Dvacommon 		Repository
Experian 		Model
Fair Isaac 		Developed By
Fair, Isaac 		Range
300-850 		Calculated
05/03/2005 		Reported On
EXP-A1
Factors (38, 18, 10, 13)
  • Serious delinquency and public record or collection filed.
  • Number of accounts delinquent.
  • Proportion of balance to high credit on bank revolving or all revolving accounts.
  • Length of time (or unknown time) since account delinquent.
Score

625
Name
Andrew P. Dvacommon 		Repository
Equifax 		Model
Beacon 5.0 		Developed By
Fair, Isaac 		Range
300-850 		Calculated
05/03/2005 		Reported On
EQX-A1
Factors (38, 18, 10, 13)
  • Serious delinquency, and derogatory public record or collection filed
  • Number of accounts with delinquency
  • Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
  • Time since delinquency is too recent or unknown
  • Score value was adversely affected by credit inquiries present in the credit file.
File Summary
Account Type Number of
Accounts 		Open
Accounts 		Accounts Currently
Past Due 		Past Due Payment Balance Historical Late Payments
Accounts 30 Days 60 Days 90+ Days
Mortgage 3 0 0 $0 $0 $0 2 15 0 0
Installment 4 0 0 $0 $0 $0 4 12 1 0
Revolving/Credit Line 5 4 1 $167 $298 $4,531 3 4 0 1
Totals 12 4 1 $167 $298 $4,531 9 31 1 1
Number of Public Records: 5 Available Credit: $140
Number of Collections/Charge-offs: 1 Number of Inquiries: 5
 
Credit History
Summary
Number of Accounts
12 		Number of Open Accounts
4 		Number of Delinquent Accounts
1
Credit Limit
$7,300
High Credit
$485,646
Past Due
$167
Payment
$298
Balance
$4,531
PROVIDIAN
POB 9023
Pleasanton, CA 94566
800-964-6000

Account Number
240061
ECOA
Individual 		Opened
03/2003 		Last Activity
03/2005 		Closed
Reported
05/2005V
Credit Limit
$2,300
High Credit
$2,334
Past Due
$0
Payment (Min.)
$70
Balance
$2,331
Account Type
Revolving 		Collateral
Returned Check 		Terms
Reported On
TUC-A1, EQX-A1 		Manner of Payment
Current
Months Reviewed
27 		30-59 Days Late
2 Times
04/2004, 12/2003 		60-89 Days Late
0 Times 		90+ Days Late
0 Times
CAPITAL 1 BK
P O Box 85015
Richmond, VA 23285
888-298-2919

Account Number
52910713
ECOA
Individual 		Opened
01/2002 		Last Activity
04/2005 		Closed
Reported
05/2005A
Credit Limit
High Credit
$1,304
Past Due
$0
Payment (Min.)
$35
Balance
$1,177
Account Type
Revolving 		Collateral
Credit Card 		Terms
Reported On
TUC-A1, EXP-A1, EQX-A1 		Manner of Payment
Current
Months Reviewed
40 		30-59 Days Late
0 Times 		60-89 Days Late
0 Times 		90+ Days Late
0 Times
PROVIDIAN BANCORP
PO Box 9098
Pleasanton, CA 94566
800-964-6000

Account Number
41213727
ECOA
Individual 		Opened
02/1999 		Last Activity
04/2000 		Closed
Reported
04/2000A
Credit Limit
$900
High Credit
$965
Past Due
$0
Payment
$26
Balance
$856
Account Type
Revolving 		Collateral
Credit Line Secured, Revolving 		Terms
Reported On
EXP-A1 		Manner of Payment
Current
Months Reviewed
15 		30-59 Days Late
2 Times
03/2000, 11/1999 		60-89 Days Late
0 Times 		90+ Days Late
0 Times
Comment
CURWAS30_2
MACYS / GEMB

Agency
MACY'S EAST / GECCCC
PO Box 8122
Mason, OH 45040
800-243-6552

Account Number
141334140000
ECOA
Individual 		Opened
08/1982 		Last Activity
09/1998 		Closed
09/1998 		Reported
03/2003A
Credit Limit
High Credit
$0
Past Due
$167
Payment
$167
Balance
$167
Account Type
Revolving 		Collateral
Terms
Reported On
EQX-A1 		Manner of Payment
Charged Off
Comment
CHARGED OFF ACCOUNT / ACCOUNT CLOSED BY CREDIT GRANTOR
AT&T WIRELESS SERVICES
15 E Midland Ave
Paramus, NJ 07652

Account Number
250000002979
ECOA
Individual 		Opened
06/2000 		Last Activity
01/2001 		Closed
Reported
03/2001A
Credit Limit
High Credit
$82
Past Due
$0
Payment
 
Balance
$0
Account Type
Installment 		Collateral
Unknown _ Credit Extension, Review, Or Collection 		Terms
1 Payments 		Reported On
EXP-A1 		Manner of Payment
Current
Months Reviewed
7 		30-59 Days Late
1 Time
12/2000 		60-89 Days Late
0 Times 		90+ Days Late
0 Times
Comment
CUR WAS 30
AVCO FINANCE
2500 Central Pk
Yonkers, NY 10710
914-779-5770

Account Number
5560000059960
ECOA
Individual 		Opened
12/1996 		Last Activity
Closed
12/1999 		Reported
12/1999A
Credit Limit
High Credit
$5,056
Past Due
$0
Payment
$140
Balance
$0
Account Type
Installment 		Collateral
Secured 		Terms
36 Months 		Reported On
TUC-A1, EXP-A1 		Manner of Payment
30-59 Days Late
Months Reviewed
17 		30-59 Days Late
4 Times
12/1999, 10/1999, 07/1999, 02/1999 		60-89 Days Late
0 Times 		90+ Days Late
0 Times
CHASE MHT BK
250 W Huron Road
Cleveland, OH 44113
800-838-1010

Account Number
86100008483
ECOA
Joint 		Opened
10/1995 		Last Activity
11/2003 		Closed
11/2003 		Reported
11/2003A
Credit Limit
High Credit
$30,000
Past Due
$0
Payment
$482
Balance
$0
Account Type
Installment 		Collateral
Real Estate Mortgage 		Terms
120 Months 		Reported On
TUC-A1, EXP-A1, EQX-A1 		Maximum Delinquency
12/1999, $1,229, 60-89 Days Late 		Manner of Payment
Current
Months Reviewed
48 		30-59 Days Late
2 Times
01/2000, 11/1999 		60-89 Days Late
1 Time
12/1999 		90+ Days Late
0 Times
Comment
CLOSED
CHASE MORT
Testing
Testing, TS

Account Number
612
ECOA
Participant 		Opened
02/1996 		Last Activity
08/2002 		Closed
Reported
01/2003A
Credit Limit
High Credit
$124,000
Past Due
$0
Payment
$1,446
Balance
$0
Account Type
Mortgage 		Collateral
Conventional Re Mortgage 		Terms
360 Months 		Reported On
TUC-A1, EXP-A1 		Manner of Payment
Current
Months Reviewed
48 		30-59 Days Late
12 Times
02/2002, 06/2001, 07/2000, 05/2000, 04/2000, 03/2000, 02/2000, 11/1999, 09/1999, 08/1999, 07/1999, 06/1999 		60-89 Days Late
0 Times 		90+ Days Late
0 Times
Comment
TRANSFERRED TO ANOTHER LENDER
CHASE NA
100 Duffy Ave
Hicksville, NY 11801
800-356-5555

Account Number
54224123
ECOA
Individual 		Opened
10/1992 		Last Activity
07/2001 		Closed
06/2000 		Reported
04/2003V
Credit Limit
$4,100
High Credit
$4,705
Past Due
$0
Payment
 
Balance
$0
Account Type
Revolving 		Collateral
Credit Card 		Terms
Reported On
TUC-A1, EXP-A1, EQX-A1 		Maximum Delinquency
06/2000, 120+ Days Late 		Manner of Payment
120+ Days Late
Months Reviewed
1 		30-59 Days Late
0 Times 		60-89 Days Late
0 Times 		90+ Days Late
2 Times
04/2003, 03/2003
Comment
SETTLED_LESS THAN FULL BALANCE / MHT MC
COMNET MTG
1
Warwick, RI
215-251-1616

Account Number
108100000
ECOA
Co-Signer 		Opened
02/2004 		Last Activity
Closed
Reported
05/2004A
Credit Limit
High Credit
$161,000
Past Due
$0
Payment
 
Balance
$0
Account Type
Mortgage 		Collateral
Terms
Reported On
EQX-A1 		Manner of Payment
No Rating
Comment
ACCOUNT TRANSFERRED OR SOLD / REAL ESTATE MORTGAGE
HSBC MORT CO

Account Number
981466036
ECOA
Individual 		Opened
09/1998 		Last Activity
Closed
08/2002 		Reported
08/2002A
Credit Limit
High Credit
$25,000
Past Due
$0
Payment
$0
Balance
$0
Account Type
Installment 		Collateral
Terms
48 Payments 		Reported On
TUC-A1, EXP-A1 		Manner of Payment
Current
Months Reviewed
48 		30-59 Days Late
6 Times
01/2000, 11/1999, 09/1999, 03/1999, 01/1999, 12/1998 		60-89 Days Late
0 Times 		90+ Days Late
0 Times
WASH MUTUAL
231 East Avenue
Albion, NY 14411
716-589-3300

Account Number
407299
ECOA
Joint 		Opened
08/1994 		Last Activity
09/2003 		Closed
11/2003 		Reported
11/2003A
Credit Limit
High Credit
$131,200
Past Due
$0
Payment
$1,365
Balance
$0
Account Type
Mortgage 		Collateral
Conventional Re Mortgage 		Terms
360 Months 		Reported On
TUC-A1, EXP-A1 		Manner of Payment
Current
Months Reviewed
48 		30-59 Days Late
3 Times
04/2002, 02/2002, 04/2001 		60-89 Days Late
0 Times 		90+ Days Late
0 Times
Comment
CLOSED
Public Records
THE REPORTING BUREAU CERTIFIES THAT: public records have been checked for judgements, foreclosures, bankruptcies, tax liens, and other legal actions involving the subject(s) were obtained directly through the repositories used, or by direct searches, or a public records search firm other than the repository, or by all methods with the following results:
PUBLIC RECORDS LEARNED: SEE BELOW
Subscriber Code
1011064

Westchester County Reg
110 Martin Luther King B
White Plains, NY 10601

Docket
051094 		Reported On
EXP-A1 		Court Type
ECOA
Type
09 		Filed
05/1994 		Reported Discharged Paid
01/1998
Amount
Liability
$33,104
Assets
Plaintiff
051094 Nys Tax Commission 		Attorney
Defendant
Disposition
 
Description
CIV CL SATIS 		Comment
Subscriber Code
1011064

Westchester County Reg
110 Martin Luther King B
White Plains, NY 10601

Docket
112996 		Reported On
EXP-A1 		Court Type
ECOA
Type
09 		Filed
11/1996 		Reported Discharged Paid
11/1999
Amount
Liability
$6,021
Assets
Plaintiff
Nys Tax Commi 		Attorney
Defendant
Disposition
 
Description
CIV CL SATIS 		Comment
Subscriber Code
404VC00069

Docket
WESTC004245 		Reported On
EQX-A1 		Court Type
ECOA
Type
JUDG 		Filed
05/2000 		Reported Discharged Paid
Amount
Liability
$4,245
Assets
Plaintiff
Westchester Dept Socia 		Attorney
Defendant
Yhurqlfd 		Disposition
 
Description
JUDGMENT 		Comment
Subscriber Code
404VC00069

Docket
DANIELS3314 		Reported On
EQX-A1 		Court Type
ECOA
Type
ST JD 		Filed
12/2000 		Reported Discharged Paid
12/2001
Amount
Liability
$33,104
Assets
Plaintiff
Nys Tax Commission 		Attorney
Defendant
Gdqlhov Yhurqlfd 		Disposition
 
Description
JUDGMENT, SATISFIED 		Comment
Subscriber Code
404VC00069

Docket
DANIELS1859 		Reported On
EQX-A1 		Court Type
ECOA
Type
ST JD 		Filed
05/2000 		Reported Discharged Paid
12/2000
Amount
Liability
$10,859
Assets
Plaintiff
Nys Tax Commission 		Attorney
Defendant
Yhurqlfd 		Disposition
 
Description
JUDGMENT, SATISFIED 		Comment
Inquiries
Date Name Subscriber Code Reported On ECOA
05/02/2005 CENTRIX FINA Z 1000725 TUC-A1 Individual
03/04/2005 CITIBANKNA
15851 Clayton Rd
Ballwin, MO 63011
314-256-1026 		N 50034 TUC-A1 Individual
02/12/2005 PROVBKCARD
309 Vine Street Ms22ld
Cincinnati, OH 45202
513-345-7812 		636ON24086 EQX-A1
08/26/2004 CONSOLDTED 444ZB00510 EQX-A1
06/03/2004 AT&T
15 East Midland Avenue
Paramus, NJ 07652 		444ZZ04598 EQX-A1
Consumer Statements
Reported On Statement
TUC-A1 DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION. VERIFY ALL IDENTIFYING INFORMATION. CONSUMER REQUESTS PASSWORD <PASSWORD>, TO BE USED FOR ADDITIONAL VERIFICATION PURPOSES.
Fraud Messages
Date Reported On Comment
05/03/2005 EXP-A1 FACTA: ADDRESS DISCREPANCY - POSSIBLE ADDRESS MISMATCH DETECTED ON
05/03/2005 EXP-A1 PREVIOUS, 2ND PREVIOUS ADDRESS
05/03/2005 EXP-A1 FACS+: SSN ISSUED BETWEEN 1964 AND 1966.
05/03/2005 EXP-A1 FACS+ INDICATOR: INQUIRY ADDRESS IDENTIFIED AS NON RESIDENTIAL
05/03/2005 EQX-A1 SAFESCAN WARNING: INQUIRY ADDRESS HAS BEEN ASSOCIATED WITH MORE THAN ONE
05/03/2005 EQX-A1 NAME OR SOCIAL SECURITY NUMBER. THOROUGH VERIFICATION SUGGESTED.
05/03/2005 EQX-A1 YEAR ISSUED - 1973 STATE ISSUED - PA
Repository Files Returned
File ID
TransUnion / TUC-A1

Pulled
05/03/2005

Infile Date
08/13/1980 		Name
Andrew D. Dvacommon

Social Security Number
181-50-1952

Age / DOB
12/01/1955 		Current Address
225 Cove Av
Fantasy Island, IL 60750

Former Address
163 E 3rd St
Mount Vernon, NY 10550

Second Former Address
151 S 14th Av
Mount Vernon, NY 10550 		Current Employer
Fni

Former Employer
Dollar World
File ID
Experian / EXP-A1

Pulled
05/03/2005 		Name
Andrew P. Dvacommon

Social Security Number
181-50-1952

Age / DOB
1952 		Current Address
225 Cove Av
Fantasy Island, IL 60750

Former Address
38 S 14th Ave


Second Former Address
2325 Pease St
Current Employer
Veronica Daniels

Former Employer
The Community Fuel Oil
File ID
Equifax / EQX-A1

Pulled
05/03/2005 		Name
Andrew P. Dvacommon

Social Security Number
181-50-1952

Age / DOB
10/17/1955 		Current Address
225 Cove Av
Fantasy Island, IL 60751

Former Address
61 Vr 47wk Dyh
Mount Vernon, NY 10550 		Current Employer
Frppxqlwb Ixho,
Credit Repositories
TransUnion
P. O. Box 1000
Chester, PA 19022
800-888-4213
http://www.transunion.com 		Experian
P. O. Box 2104
Allen, TX 75013
888-397-3742
http://www.experian.com 		Equifax
P. O. Box 105851
Atlanta, GA 30348
800-685-1111
http://www.equifax.com
This merged report can be used for lending purposes but does not meet the requirements of a Residential Mortgage Credit Report (RMCR). This report contains information which is supported by the repositories listed above and may also contain duplicate information.
This completed Credit Report includes all applicable Legislative Cost Recovery Fees from the respective credit repositories associated with the federal Fair and Accurate Credit Transactions Act of 2003 (FACT Act).
This report has had a 5% Maryland Sales Tax added of $0.92, total price to consumer is: $19.28.
End of Report
 
Credit Score Disclosure
Cibms
600 Saw Mill Road
West Haven, CT 06516 		Report ID
33356
Loan Number
Date
05/03/2005
Repositories Requested
TransUnion, Experian, Equifax
Applicant Co-Applicant
Name
Andrew D. Dvacommon 		Name
Current Address
225 Cove Av
Fantasy Island, IL 60750 		Current Address


"NOTICE TO THE HOME LOAN APPLICANT"

"In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change.

Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one company to another.

If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application.

If you have any questions concerning the terms of the loan, contact the lender."

For information on FICO scores, please contact the developer, Fair Isaac Corporation, at www.myfico.com or 1-800-777-2066.

Questions regarding your credit report should be directed to TRANSUNION, EXPERIAN or EQUIFAX. You will find their contact information below:
TransUnion
P. O. Box 1000
Chester, PA 19022
800-888-4213
http://www.transunion.com 		Experian
P. O. Box 2104
Allen, TX 75013
888-397-3742
http://www.experian.com 		Equifax
P. O. Box 105851
Atlanta, GA 30348
800-685-1111
http://www.equifax.com
Credit Score Information
Score

637
Name
Andrew D. Dvacommon 		Repository
TransUnion 		Model
Fico Risk Score, Classic (98) 		Developed By
Fair, Isaac 		Range
336-843 		Calculated
05/03/2005 		Reported On
TUC-A1
Factors
  • Serious delinquency
  • Number of accounts with delinquency
  • Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
  • Level of delinquency on accounts
Score

579
Name
Andrew P. Dvacommon 		Repository
Experian 		Model
Fair Isaac 		Developed By
Fair, Isaac 		Range
300-850 		Calculated
05/03/2005 		Reported On
EXP-A1
Factors
  • Serious delinquency and public record or collection filed.
  • Number of accounts delinquent.
  • Proportion of balance to high credit on bank revolving or all revolving accounts.
  • Length of time (or unknown time) since account delinquent.
Score

625
Name
Andrew P. Dvacommon 		Repository
Equifax 		Model
Beacon 5.0 		Developed By
Fair, Isaac 		Range
300-850 		Calculated
05/03/2005 		Reported On
EQX-A1
Factors
  • Serious delinquency, and derogatory public record or collection filed
  • Number of accounts with delinquency
  • Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
  • Time since delinquency is too recent or unknown
  • Score value was adversely affected by credit inquiries present in the credit file.