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Unformatted text preview: Credit Report Prepared For: XIAOYI ZHONG Report as Of: 9/30/2011 Personal & Confidential Please Keep in a safe place for your records. XIAOYI ZHONG Report As Of: 9/30/2011 Table of Contents Personal Information _____________________________________________________________________ 1 Report Summary ________________________________________________________________________ 2 Bankruptcy & Court Judgments ____________________________________________________________ 3 Credit Inquires __________________________________________________________________________ 4 Credit Cards, Loans & Other Debt ___________________________________________________________ 5 Credit Score ___________________________________________________________________________ 8 Experian ____________________________________________________________________________ FreeCreditReport.com | A Part of Experian 9 XIAOYI ZHONG Report As Of: 9/30/2011 Personal Information Here 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 (Also Known As) AKA Y ear of Birth Address(es) XIAOYI ZHONG 1987 515 KELTON AVE APT M10, LOS ANGELES, CA 90024- 2206 335 S ALMANSOR ST APT G, ALHAMBRA, CA 91801- 4286 1801 GARVEY AVE APT 207, ALHAMBRA, CA 91803- 5213 What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. Log In Now! www.FreeCreditReport.com Current Employer Previous Employer Personal Statement This space is reserved for statements of dispute. For most consumers, no information appears in this section. Personal Information Page 1 of 1 Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score XIAOYI ZHONG Report As Of: 9/30/2011 Report Summary Here 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 Count B alance Current Delinquent O ther 0 $0.00 0 0 0 Revolving Count B alance Current Delinquent O ther 4 $7.00 2 0 2 Count B alance Current Delinquent O ther 0 $0.00 0 0 0 Other Count B alance Current Delinquent O ther 0 $0.00 0 0 0 Collections Count B alance Current Delinquent O ther 0 $0.00 0 0 0 All Accounts Count B alance Current Delinquent O ther 4 $7.00 2 0 2 Current Account(s) Installments Current Account(s) Personal Information Report Summary Page 1 of 1 What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. Log In Now! www.FreeCreditReport.com What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. Bankruptcies Credit Inquires Credit Cards & Loans Log In Now! www.FreeCreditReport.com Credit Score XIAOYI ZHONG Report As Of: 9/30/2011 Bankruptcy & Court Judgments Here 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 What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. Personal Information Report Summary Bankruptcies Page 1 of 1 Credit Inquires Credit Cards & Loans Log In Now! www.FreeCreditReport.com Credit Score XIAOYI ZHONG Report As Of: 9/30/2011 Credit Inquiries Here 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. APARTMENT OWNERS ASSOC Business Name Inquiry Date Business Type APARTMENT OWNERS ASSOC 7/12/2010 Tenant Screeners (Reseller) What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. 818-988-9200 6445 SEPULVEDA BLVD STE VAN NUYS, CA 91411 Log In Now! www.FreeCreditReport.com BANK OF AMERICA Business Name Inquiry Date Business Type BANK OF AMERICA 3/1/2010 Bank Credit Cards What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. 800-421-2110 PO BOX 17054 WILMINGTON, DE 19850 Log In Now! www.FreeCreditReport.com BANK OF AMERICA Business Name Inquiry Date Business Type BANK OF AMERICA 1/12/2010 Bank Credit Cards See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. 800-421-2110 PO BOX 17054 WILMINGTON, DE 19850 Personal Information What's missing from this picture? Report Summary Bankruptcies Credit Inquires Page 1 of 1 Credit Cards & Loans Log In Now! www.FreeCreditReport.com Credit Score XIAOYI ZHONG Report As Of: 9/30/2011 Credit Cards, Loans & Other Debt Here 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. BANK OF AMERICA Unknown 800-421-2110 PO BOX 17054 WILMINGTON, DE 19850 Account Name Account # Account Type Balance Past Due Date Opened Account Status M o. Payment Payment Status H igh Balance L imit Terms Comments BANK OF AMERICA 3XXX Credit Card What's missing from this picture? 3/1/2010 Closed Credit card lost or stolen $1,260.00 $2,000.00 Revolving See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. Log In Now! www.FreeCreditReport.com 2008 2009 2010 Month NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT Experian OK OK OK OK OK OK OK OK BANK OF AMERICA Unknown 800-421-2110 PO BOX 17054 WILMINGTON, DE 19850 Account Name Account # Account Type Balance Past Due Date Opened Account Status M o. Payment Payment Status H igh Balance L imit Terms Comments BANK OF AMERICA 9XXX Credit Card What's missing from this picture? 7/1/2007 Closed Credit card lost or stolen $738.00 $700.00 Revolving See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. Log In Now! www.FreeCreditReport.com 2008 2009 2010 Month NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT Experian OK OK OK OK OK OK OK ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 1 of 2 Credit Score XIAOYI ZHONG Report As Of: 9/30/2011 Credit Cards, Loans & Other Debt Here 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. BANK OF AMERICA Current 800-421-2110 PO BOX 17054 WILMINGTON, DE 19850 Account Name Account # Account Type Balance Past Due Date Opened Account Status M o. Payment Payment Status H igh Balance L imit Terms Comments BANK OF AMERICA 4XXX Credit Card $7.00 3/1/2010 Open $7.00 Current $1,909.00 $2,000.00 Revolving What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. Log In Now! www.FreeCreditReport.com 2009 2010 2011 Month OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK BANK OF AMERICA Current 800-421-2110 PO BOX 17054 WILMINGTON, DE 19850 Account Name Account # Account Type Balance Past Due Date Opened Account Status M o. Payment Payment Status H igh Balance L imit Terms Comments BANK OF AMERICA 0XXX Credit Card $0.00 7/1/2007 Open $27.00 Current $738.00 $700.00 Revolving What's missing from this picture? See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. Log In Now! www.FreeCreditReport.com 2009 2010 2011 Month OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 2 of 2 Credit Score XIAOYI ZHONG Report As Of: 9/30/2011 Credit Cards, Loans & Other Debt Here 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 90 90 Days Late PP Payment Plan Repossession or Foreclosure 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 Potentially Negative Potentially Negative Closed Personal Information Report Summary Bankruptcies Unknown Credit Inquires Credit Cards & Loans Page Legend Credit Score XIAOYI ZHONG Report As Of: 9/30/2011 Credit Score Your 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. XIAOYI ZHONG Report As Of: 9/30/2011 Credit Score Your 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. What's missing from this picture? 736 See your Experian®, Equifax® and TransUnion® Credit Reports and Scores at a special "Members Only" price. Log In Now! www.FreeCreditReport.com Excellent Your Experian PLUS Score Explanation Percentile: Your credit rating ranks higher than 56.33% of U.S. consumers. What factors RAISE you PLUS Score: What factors LOWER you PLUS Score: q You have paid your bills on time and currently do not have any overdue accounts or derogatory information, such as a collection, charge-off, or bankruptcy, on your report. q On average, many of your accounts have been open less than 3 years. Having long term credit accounts that you consistently pay on time is an important indicator of stability to lenders. q You have a good cushion of available credit between your current balance and your credit limits on all open trades. This has a positive affect on your credit score. This cushion shows lenders that you are unlikely to overextend yourself financially. q q The total balance on all your credit cards is relatively low compared to your total available credit limit. This has a positive impact on your credit score. Having low credit limits on your accounts and loans counts negatively against your credit score. Having a high amount of credit is a positive factor because it indicates to lenders that other creditors have trusted you by lending you money in the past. However, since your major credit card limits are generally low, lenders may think you dont have enough experience with high limits. q You do not have any real estate loans. Lenders recognize that obtaining and maintaining a real estate loan requires more skill and discipline than other account types. People who have real estate loans and pay them on time see an increase in their credit worthiness q You have no open installment loans, such as auto loans, on your credit report. This positively influences your credit score because lenders feel you are more likely to pay your other bills without the fixed monthly payment attached to an installment loan. Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 1 of 1 ...
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