Employment
Screening Credit Reports
Other Names for FICO Scores
All of these scores were developed using the same
methods by Fair, Isaac and have been tested to ensure they provide the
most accurate picture of credit risk possible using credit report
information. Each of the three credit reporting agencies has different
names for FICO scores. Equifax calls it a Beacon score, Experian
calls it a Fair Isaac Risk Model and TransUnion has labeled it as
Empirica.
Site inspections
required for credit reports:
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These FCRA compliant reports do not result in
a credit "inquiry" and do not adversely affect an applicant's credit history.
The information contained in these reports includes bankruptcies, liens,
judgments, and a credit history which provides a summary of how the applicant
manages his/her financial obligations. These reports are also useful as an
additional source of identity verification as they provide information on the
applicant’s aliases, social security number, address history, and employment
history.
|
Personal Information FAD 09/08/08 |
|
|
Reported |
Bur |
|
Name
Inquiry SSN
SSN Info
Address
Address
Address |
AAAA, JOE MAGUEL JR
581-00-0000
Issued: 1981 St: PR
80 CALLE 1 REPTO ARENALES, LAS PIRAS, PR 77771
3018 VINCE RD, NICHOLASVILLE, KY 40300
5159 GLENCOVE LN, WEST PALM BEACH, FL 33444 |
08/08
08/08
08/08
|
EFX
EFX
EFX
EFX
EFX
EFX |
|
Consumer Narrative |
|
(EFX) Reported: 09/08
EMPLOYER: BEFORE TAKING ADVERSE ACTION IN AN EMPLOYMENT DECISION BASED
ON A PERSONAL REPORT, THE FCRA REQUIRES YOU TO PROVIDE THE CONSUMER
WITH A COPY OF THE CONSUMER REPORT, ALONG WITH A WRITTEN DESCRIPTION
OF THE CONSUMER'S RIGHTS UNDER THE FCRA EQUIFAX HAS PROVIDED YOUR
COMPANY WITH COPIES OF THE CONSUMER'S RIGHTS STATEMENTS FOR THIS
PURPOSE. |
|
Alert Messages |
|
(EFX) SAFESCAN Warning: Inquiry address has
been associated with more than one name or Social Security number.
Thorough verification suggested. |
|
Employment |
Subject Name
Employer
Occupation |
City,State
Income |
Hired
Separated |
Reported/Verified
Last Updated |
Bur |
|
AAAAAA, Jose MaGuel JR
FOLDING SHUTTERS
INSTALLER |
|
|
|
EFX |
|
AAAAA, Jose MaGuel JR
PALM COAST SHUTTERS
INSTALLOR |
|
|
|
EFX |
|
AAAAA, Jose MaGuel JR
FOLDING SHUTTERS
INSTALLOR |
|
|
|
EFX |
|
Credit Summary |
| Trades |
12 |
|
Curr Accts |
4 |
|
Revolving |
2 |
|
30 |
0 |
|
Hist 30 |
20 |
|
| Public Recs |
0 |
|
Derogs |
6 |
|
Installments |
4 |
|
60 |
0 |
|
Hist 60 |
1 |
|
| Collections |
5 |
|
Open Trades |
9 |
|
Mortgages |
0 |
|
90 |
0 |
|
Hist 90 |
21 |
|
| Inquiries |
0 |
|
CLSD Trades |
3 |
|
Other |
6 |
|
120 |
4 |
|
|
| Type |
High |
Limit |
Balance |
Past Due |
Payment |
%Avail |
| Revolving |
$0 |
$584 |
$387 |
$0 |
$21 |
34% |
| Installment |
$6,225 |
$0 |
$3,575 |
$3,575 |
$300 |
- |
| Mortgage |
$0 |
$0 |
$0 |
$0 |
$0 |
- |
| Other |
$1,865 |
$0 |
$1,920 |
$1,920 |
$52 |
- |
| Totals |
$8,090 |
$584 |
$5,882 |
$5,495 |
$373 |
- |
|
|
Collections |
Creditor
SubCode
Firm
Acct# |
DLA
PAID
PLCD
CLSD |
RPTD/VRFD
ECOA
MOP |
Amt
Bal
Bal Date |
Status
Date |
Remarks |
Bur |
|
WELLINGTON REGI
402YC00000
0000, Jose MaGuel JR |
01/02
07/02
|
09/02
Individual
|
$225
$225
09/02 |
Unpaid
09/02 |
|
EFX |
|
WELLINGTON REGI
402YC00000
AAAAA, Jose Maguel JR |
02/02
07/02
|
09/02
Individual
|
$616
$616
09/02 |
Unpaid
09/02 |
|
EFX |
|
ADELPHIA CABLE
682YC04000
AAAA, Jose Maguel JR |
06/02
09/02
|
11/02
Individual
|
$155
$155
11/02 |
Unpaid
11/02 |
|
EFX |
|
FOREST CLUB
491YC00000
AAAA, Jose Maguel JR |
08/02
11/02
|
08/08
Shared
|
$2,331
$2,331
08/08 |
Unpaid
08/08 |
Customer unable to locate consumer
|
EFX |
|
FLORIDA POWER L
285YC00000
AAAAA, Jose Maguel JR |
09/06
03/08
|
07/08
Individual
|
$291
$291
07/08 |
Unpaid
07/08 |
|
EFX |
|
Revolving Accounts |
| |
Current Status |
Hist Status |
|
| Acc Name/Address |
RPTD
DLA
LSTPD |
OPND
CLSD/PD
ECOA |
High
Limit |
Pmt
Term |
Bal
Date |
PastDue |
Mths 30 60 90 |
Rating |
|
GEMB/JCP
Subcode: 404FF03555
Bur: EFX
Subj: AAAAAAA, Jose Maguel JR
Amount in H/C Column is credit limit
|
06/05
09/00
|
11/93
Joint |
$100
|
$10
Est. |
$0
|
|
78 |
R1 |
|
GEMB/JCP
Subcode: 404FF00000
Bur: EFX
Subj: AAAAAAA, Jose Maguel JR
Charge
Amount in H/C Column is credit limit |
03/08
03/08
|
04/05
Auth User |
$484
|
$11 |
$387
|
|
25 02 01 00
*******232**
/************ |
R1 |
|
Revolving Totals |
|
|
|
$21 |
$387 |
$0 |
|
|
|
Installment Accounts |
| |
Current Status |
Hist Status |
|
| Acc Name/Address |
RPTD
DLA
LSTPD |
OPND
CLSD/PD
ECOA |
Orig |
Pmt
Term |
Bal
Date |
PastDue |
Mths 30 60 90 |
Rating |
|
SAFCO
Subcode: 403FA0000
Bur: EFX
Subj: AAAAAAAA, Jose Manuel JR
Closed or Paid account / Zero balance
Refinanced |
06/00
03/00
|
12/98
C
Joint |
$14,736
|
$307 |
$0
|
|
17 |
I1 |
|
CHRYSLER
Subcode: 906FA00000
Bur: EFX
Subj: AAAAAA, Jose Manuel JR
Closed or Paid account / Zero balance
|
05/00
03/00
|
06/99
C
Joint |
$21,794
|
72M
|
$0
|
|
11 |
I1 |
|
CHRYSLER
Subcode: 906FA00000
Bur: EFX
Subj: AAAAAAA, Jose Manuel JR
Closed or Paid account / Zero balance
|
07/00
09/99
|
09/99
C
Joint |
$15,081
|
66M
|
$0
|
|
|
I0 |
|
BC MOTOR
Subcode: 465AU02000
Bur: EFX
Subj: AAAAAA, Jose Manuel JR
Customer unable to locate consumer
Collection Account |
08/08
07/02
|
01/02
Individual |
$6,225
|
$300 |
$3,575
|
$3,575 |
75 18 00 21
**55*5*55555
/55555*555*55 |
I5 |
|
Installment Totals |
|
|
|
$300 |
$3,575 |
$3,575 |
|
|
|
Open Accounts |
| |
Current Status |
Hist Status |
|
| Acc Name/Address |
RPTD
DLA
LSTPD |
OPND
CLSD/PD
ECOA |
High
Limit |
Pmt
Term |
Bal
Date |
PastDue |
Mths 30 60 90 |
Rating |
|
Subcode: 496FY00000
Bur: EFX
Subj: AAAAA, Jose Manuel JR
Medical
Collection Account
|
08/08
01/02
|
Individual
|
$294
|
$10
Est. |
$294
|
$294 |
16 |
O5 |
|
Subcode: 496FY00000
Bur: EFX
Subj: AAAAA, Jose Manuel JR
Medical
Collection Account
|
08/08
02/02
|
Individual
|
$294
|
$10
Est. |
$294
|
$294 |
16 |
O5 |
|
AAC
Subcode: 168FY00000
Bur: EFX
Subj: AAAAAA, Jose Manuel JR
Collection Account
|
08/08
01/02
|
Individual
|
$437
|
$10
Est. |
$492
|
$492 |
15 |
O5 |
|
Subcode: 496MH00000
Bur: EFX
Subj: AAAAA, Jose Manuel JR
Medical
Charged off account
|
06/02
03/02
|
01/02
Individual |
$224
|
$10
Est. |
$224
|
$224 |
|
O9 |
|
Subcode: 496MH00000
Bur: EFX
Subj: AAAAA, Jose Manuel JR
Medical
Charged off account
|
06/02
05/02
|
02/02
Individual |
$616
|
$12
Est. |
$616
|
$616 |
|
O9 |
|
Open Totals |
|
|
|
$52 |
$1,920 |
$1,920 |
|
|
|
Other Accounts |
| |
Current Status |
Hist Status |
|
| Acc Name/Address |
RPTD
DLA
LSTPD |
OPND
CLSD/PD
ECOA |
High
Limit |
Pmt
Term |
Bal
Date |
PastDue |
Mths 30 60 90 |
Rating |
|
GEMB/JCP
Subcode: 404FF000000
Bur: EFX
Subj: AAAAAA, Jose Manuel JR
Stat: Lost or stolen card
Charge
Amount in H/C Column is credit limit |
08/08
12/07
|
04/05
|
|
|
|
|
|
|
|
Other Totals |
|
|
|
$0 |
$0 |
$0 |
|
|
Equifax Referral:
EQUIFAX INFORMATION SERVICES LLC
P O BOX 740241
ATLANTA /GA 303740241
(800) 685-1111 |
END OF REPORT |
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