BRAVO INDUSTRIES
123 BUNNY LANE
AARONVILLE, TN 39108
615.555.1212

SOURCES EQUIFAX EXPERIAN TRANS UNION
TYPE LOAN NO. PROPERTY ADDRESS PRICE ORDERED BY



$25.00
APPLICATION DATA
APPLICANT
NAME AEACOMMON, ALPHONSO P SOCIAL 133-40-5381 DEPENDENTS
AKA
ADDRESS 5 COMPLIANT AV, FANTASY ISLAND IL 60750 LENGTH
PREV ADDRESS LENGTH

EMPLOYER SINCE
POSITION PHONE
VERIFIED BY INCOME
PUBLIC RECORDS
COURT IL CIRCUIT COURT AMOUNT $1500
PLAINTIFF FILED 08/99
TYPE Civil judgement PAID
REF NO. 986146 REPORTED BY
COURT IL CIRCUIT COURT AMOUNT $789
PLAINTIFF FILED 07/99
TYPE Civil judgement PAID
REF NO. 98643314 REPORTED BY
SCORE MODELS
APPLICANT (AVG 612 )
SCORECARD EQUIFAX EDAS 526
REASONS NUMBER OF ACCOUNTS SHOWING PAYMENT LATE BY 90 DAYS OR MORE/ PUBLIC RECORD ITEMS
UTILIZATION OF AVAILABLE CREDIT ON ALL ACCOUNTS
NUMBER OF MONTHS SINCE OLDEST ACCOUNT HAS BEEN OPENED
NO REVOLVING DEPARTMENT STORE ACCOUNTS REPORTED - LAST 9 MONTHS

SCORECARD EQUIFAX BEACON 658
REASONS Account not paid as agreed, public record, or collection agency filing
Too many accounts with balances
Length of time accounts have been established
Proportion of balances to credit limits is too high on bank revolving or other revolving

SCORECARD EXPERIAN Experian/Fair, Isaac Model 697
REASONS Length of time accounts have been established
Proportion of balance to high credit on bank revolving or all revolving accounts
Current balances on accounts
Number of recent inquiries

SCORECARD EXPERIAN New National Risk Model 94
REASONS Existing balances on accounts
Number of credit inquiries
Average age of accounts
Balance to limit ratios on accounts

SCORECARD EXPERIAN Experian/MDS Bankruptcy Model 431
REASONS Ratio of balances to total credit limit on all accounts
Age of oldest reported account
Ratio of bank revolving balances to credit limits or lack of bank revolving account information
Presence of recent inquiries

SCORECARD EXPERIAN Experian/Fair, Isaac Bankcard Model 693
REASONS Length of time accounts have been established
Proportion of balance to high credit on bank revolving or all revolving accounts
Current balances on accounts
Number of recent inquiries

SCORECARD EXPERIAN Experian/Fair, Isaac Installment Model 673
REASONS Length of time accounts have been established
Proportion of current loan balance to original loan amount
Proportion of balance to high credit on bank revolving or all revolving accounts
Current balance on revolving accounts

SCORECARD TRANS UNION TransRisk Auto 613
REASONS Length of time bank revolving accounts have been established is too short
Too many recent inquiries
Too few satisfactory accounts
Too many recent delinquencies

SCORECARD TRANS UNION EMPIRICA 494
REASONS Serious delinquency, and public record or collection filed
Time since delinquency is too recent or unknown
Length of time since derogatory public record or collection is too short
Number of accounts with delinquency

CREDIT

 CREDITOR
ACCOUNT NUMBER		 REPORTED
OPENED		 HIGH CREDIT BALANCE
PAST DUE		 MO PAYM
TERMS		 MONS RATED 30 | 60 | 90+
PAYMENT PATTERN
OPEN ACCOUNTS
I VOLVO FIN
10160000		 07/02
04/02		 $15522 $13930
-		 $398
-		 -
I1
AT:Installment (fixed number of payments).
TT:Auto Financing
OD:Individual
N1:LEASE
I CITI
No Acct# reported		 06/02
09/00		 $1560 $506
-		 -
-		 19
R1
AT:Revolving or Option (open-end account).
TT:All Banks
OD:Individual
N1:AMOUNT IN H/C COLUMN IS CREDIT LIMIT
I VOLVO FINANCE NA
1016		 04/01
12/00		 $ $13930
-		 $398
39		 01
1
I1
AT:Installment (fixed number of payments).
TT:Lease
KB:Sales Financing Company
OD:Individual
I CITIBANK MASTERCARD
54241801		 03/01
05/99		 $1560 $1044
-		 $20
-		 23
111111111111
11111111111
R1
AT:Revolving or Option (open-end account).
TT:Credit Card, Terms REV
KB:Bank Credit Card
OD:Individual
I CITI
54241801		 09/02
11/00		 $1600 $1044
-		 $20
MIN		 23
111111111111
11111111111
R1
AT:Revolving or Option (open-end account).
TT:Credit Card
KB:Banks and S&Ls
OD:Individual
COLLECTIONS
I AL GAS
976415		 04/02
12/00		 $2596 $2596
-		 -
-		 -
O9
AT:Open Account (30, 60, or 90 day account).
TT:Other collection services
OD:Individual
I CAPITAL CRDT
55784		 10/00
02/99		 $5845 $5845
-		 -
-		 26
I9
AT:Installment (fixed number of payments).
TT:Unknown - Credit Extension, Review, Or Collection
KB:Other Collection Agencies
OD:Individual
I AL GA
76415		 02/01
10/99		 $ $2596
-		 -
-		 18
I9
AT:Installment (fixed number of payments).
TT:Unknown - Credit Extension, Review, Or Collection
KB:Other Collection Agencies
OD:Individual
O CAPITAL CRDT
No Acct# reported		 06/01
unkn		 $245 $245
-		 -
-		 18
O9
AT:Open Account (30, 60, or 90 day account).
KB:Collection services
N2:Placed for collection
I BOSS FINANCE
7641		 01/01
10/93		 $ $150
-		 -
-		 99
I9
AT:Installment (fixed number of payments).
TT:Unknown - Credit Extension, Review, Or Collection
KB:Other Collection Agencies
OD:Individual
I AL GAS
976415		 10/02
06/01		 $2596 $2596
$2596		 -
-		 -
I9
AT:Installment (fixed number of payments).
KB:Utilities and fuel
OD:Individual
N1:Placed for collection
I BOSS FINANCI
97641		 09/02
06/95		 $150 $150
$150		 -
-		 -
O9
AT:Open Account (30, 60, or 90 day account).
KB:Finance, personal
OD:Individual
N1:Placed for collection
OTHER DEROGATORY
CLOSED ACCOUNTS
CREDIT SUMMARY
COUNT W/BAL BALANCE PAYMENTS PASTDUE 30 60 90 LAST LATE
MORTGAGE 0 0 0 0 0 0 0 0
INSTALLMENT 2 2 27,860 796 0 0 0 0
REVOLVING 3 3 2,594 40 0 0 0 0
COLLECTION 3 3 5,342 0 0 0 0 0
OTHER 0 0 0 0 0 0 0 0
TOTAL 8 8 $35,796 $836 $0 0 0 0

PAID AS AGREED 5 LIENS 0 45% Available
CURR DELINQUENT 3 JUDGEMENTS 2
TOTAL DELINQUENT 3 FORECLOSURES 0
INQUIRES 2 BANKRUPTCIES 0
PUBLIC RECORDS 2 GARNISHMENTS 0
OTHER PUBLIC RECORDS 0
EMPLOYMENT
APPLICANT
COMPANY NAME WEGMANS OCCUPATION
DATE HIRED 10/01 SEPARATION DATE
INCOME

COMPANY NAME FDR OCCUPATION
DATE HIRED SEPARATION DATE
INCOME

ACCOUNT DETAIL
NUMBER NAME PHONE ADDRESS
444YC03713 CAPITAL CREDIT CORPO
827YC00017 ALABAMA GAS
444FA00947 VOLVO FINANCE NORTH 2017687300
906BB00040 CITI CARDS CBSDNA
654FM11943 CITIMORTGAGE
05027021 TRANS UNION CORPORAT 3126450012 111 W. JACKSON BLV
CHICAGO, IL 60604
075GY001 ALABAMA GAS CORPORAT 2053268100 20 S 20TH ST
BIRMINGHAM, AL 35295
034GJ001 BOSS FINANCIAL 3192437314 2201 CAMANCHE
CLINTON, IA 52732
064DB002 CITI CARDS CBSDNA 8008430777 POB 6241
SIOUX FALLS, SD 57117
0596D001 CAPITAL CREDIT AND C 5032974488 9900 SW WILSHIRE
PORTLAND, OR 97225
00000004 TEST CODE 1660 OLD WALT WHIT
MELVILLE, NY 11747
00008281 EQUIFAX MTG 1600 PEACHTREE ST
ATLANTA, GA 30309
0
01212622 VOLVO 1700 JAY ELL DR
RICHARDSON, TX 75081
00023746 CITIMORTGAGE 12855 N OUTER FORT
ST LOUIS, MO 63141
00012831 CITI P.O. BOX 6000
SIOUX FALLS, SD 57117
00012896 CITI 701 60TH ST N
SIOUX FALLS, SD 57104
INQUIRIES
DATE SUBSCRIBER NAME TYPE SUBSCRIBER NO. AMOUNT
10/29/02 TEST CODE Contractors 00000004
09/05/02 EQUIFAX MTG Miscellaneous and public record 00008281
SOURCES
EQUIFAX
P O BOX 740241
ATLANTA, GA 30374-0241
800-685-1111

EXPERIAN
P O BOX 2002
ALLEN, TX 75013-00036
888-397-3742

TRANS UNION
555 W. ADAMS
CHICAGO, IL 60661
312-258-1717

MESSAGES
APPLICANT
*** EXPERIAN ***
FACS+ Message: Inquiry Address Message - CKPT: BUSINESS SERVICE ON FACS+ FILE/JOHNS PREMIERE LANDSCAPING/5 EAST AVE/TOMMORROW IL 60750/847.555.1336
FACS+ SOCIAL COUNTER: Social has been used 2 times since 01/01/01
FACS+ SOCIAL ERROR: Indicates that no error conditions occur.
FACS+ ADDRESS COUNTER: Address has been used 6 times since 01/01/01
FACS+ ADDRESS ERROR: Indicates that no error conditions occur.
FACS+ POSSIBLE YEARS SSN ISSUED: 1994 - 1996
FACS+ Fraud Services Indicator:
FACS+ Fraud Services Indicator:
FACS+ Message: Onfile Address Message - CKPT: TRADE CONTRACTOR-SPECIAL TRADE ON FACS+ FILE/ROCKY ELECTRIC SERVICE/7 EAST AVE/TOMMORROW IL 60750
FACS+ Message: Onfile Address Message - CKPT: AUTOMOBILE SERVICE ON FACS+ FILE/RJF AUTOMOTIVE SERVICES INC./7 5TH AVE/TOMMORROW IL 60750/847.555.1818
*** TRANS UNION ***
SSN Match: Exact match between SSN on input and SSN on file
Phone Append: Default product delivered; Search Status - Area code and phone number not found on new source. Phone number on CRONUS database is returned.
LOOK: Requested product delivered
HAWK: Requested product delivered
HAWK: Input SSN issued:1965-1967; state: NY; (est. Age obtained: 00 to 00)
HAWK: File SSN issued:1965-1967; state: NY; (est. Age obtained: 02 to 02)
TransRisk Auto: Default product delivered
EMPIRICA: Default product delivered
: Default product delivered
This Residential Merged Credit Report is compliant with the standards as set forth by the FHA, FNMA, VA and FHLMC. The information contained herein has been obtained from sources deemed reliable, the accuracy of which the provider does not guarantee. This information has been furnished in response to an inquiry made for the purpose of evaluating a credit risk. The inquirer has agreed to indemnify the provider for any damage arising from misuse of this information and this report is furnished in reliance upon that indemnify. This report must be held in strict confidence and may be used online in accordance with the terms of the Fair Credit Reporting Act.