Instant Merge Credit Report

Instant Merge Credit Report Ref #: 1-00717-31453-0000 01/27/2007 Client Loan # : 42-123456B Account # : 7XX87 Notes : 9210 TID #: 1-00726-11477 01/27/2007 10:36:20 Requested Delivered : EFX, XPN, TUC-J : EFX, XPN, TUC Prepared For: Instant Merge Sample Report 12395 First American Way Poway, CA 92064 Attention: John IM Sample Prepared By: First American CREDCO 12395 First American Way Poway, CA 92064 Tel: (800) 300-3032 Fax: (800) 938-7200 URL: www.credco.com APPLICANT INFORMATION Name SAMPLE, STEVE SAMPLE, SHARON Address Current: Previous: Current: Previous: 4536 FIRST AMERICAN AVE, TESTSITE, CA 9XX07 123 EAGLE ROAD, TOMORROW, OR 995XX 4536 FIRST AMERICAN AVE, TESTSITE, CA 9XX07 123 EAGLE ROAD, TOMORROW, OR 995XX Address Type OWN RENT OWN RENT SSN 911-72-3333 333-22-1111 DOB or Age 05-20-62 38 Applicant Identifier APP1 APP2 WARNING POSSIBLE NON-APP INFORMATION PRESENT IN THE REPORT FRAUD ALERT, ACTIVE DUTY ALERT PRESENT SSN POSSIBLE ITIN INSTANT MERGE CREDIT SUMMARY ACCOUNT DISTRIBUTION Account Type Real Estate Installment Revolving All Other Accounts Total AVAILABLE CREDIT Revolving INQUIRIES 6 Month Total Elim. same day Adjusted Total New Trades (6 mos) Number 2 1 3 1 7 31% 5 1 4 0 Balance $177,245 $8,985 $1,738 $130 $188,098 $765 PUBLIC RECORDS EFX 1 XPN N/A TUC 1 Last 2 yrs N/A HISTORICAL DELINQUENCIES (COUNT) Account Type Last Dlq Real Estate 09/00 Installment Revolving 08/00 All Other Accounts 08/00 Total 30 9 0 3 0 12 60 1 0 3 0 4 90+ 0 0 4 1 5 CURRENT STATUS (Tradelines) Payments Current Closed $1,755 1 0 $285 1 0 $49 3 1 $0 0 0 $2,122 5 1 Unrt 0 0 0 0 0 30 1 0 0 0 1 60 0 0 0 0 0 90+ 0 0 0 1 1 Oldest Trade: 03/98 On file: 12/91 Disclaimer: Only Applicant(s) information included in the Summary. DATA SOURCES SCORE INFORMATION Item # 1 Product Score BEACON 5.0 536 Factor Information Factor: 00039, 00013, 00034, 00018 00039 SERIOUS DELINQUENCY 00013 DELINQUENCY IS TOO RECENT OR UNKNOWN 00034 AMOUNT OWED ON DELINQUENT ACCOUNTS 00018 NUMBER OF ACCOUNTS WITH DELINQUENCY * Number of Inquiries Adversely Affected the Score Not provided by the repository Data Source EFX Applicant Identifier APP1 2 FICO-II XPN APP1 Page 1 of 7 Instant Merge Credit Report Ref #: 1-00717-31453-0000 01/27/2007 TID #: 1-00726-11477 01/27/2007 10:36:20 DATA SOURCES SCORE INFORMATION Item # 3 4 5 6 Product Score EMPIRICA BEACON 5.0 FICO-II EMPIRICA 564 Not provided by the repository Not provided by the repository Not provided by the repository Factor: 012, 002, 010 008 012 LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED 002 LEVEL OF DELINQUENCY ON ACCOUNTS 010 PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACOCUNTS 008 TOO MANY INQUIRIES LAST 12 MONTHS * Number of Inquiries Adversely Affected the Score Factor Information Data Source TUC EFX XPN TUC Applicant Identifier APP1 APP2 APP2 APP2 CREDIT HISTORY I Credit Grantor T E Account Number M # Category/Terms Remarks Date Rptd Open Credit Highest Limit Balance Joint Accounts Present Status Monthly Pymt Amt Account Type – MOP Status 40000 37906 429 M-1 CURRENT 43 MR 30 00 60 00 90+ 00 Historical Status Times Past Due Data Source ECOA Appl. Subscriber Ident. Info EFX 180XX00931 XPN TUC 1 COUNTRYWIDE HOME 05-06 LOANS 5462119 10-02 HOME EQUITY LOAN J APP1 APP2 Group Total 1 Accounts Activity: PYMT 05-06 Pymt Hist: 05-06 111111111111111111111111 Addt’l Dates: LACT 05-06 Monthly Balance Pymt Amt 37906 429 30 00 60 00 90+ 00 CREDIT HISTORY I Credit Grantor T E Account Number M # Category/Terms Remarks 2 WFS FINANCIAL 51327007 AUTO LOAN 36 MON AUTO LOAN 3 AMERICAN EXPRESS 05-06 XXXXXXXXXXXX4891 03-06 721 0 5000 Activity: PYMT 04-02 Pymt Hist: 05-02 111 Monthly Balance Pymt Amt 8985 285 0 Date Credit Rptd Highest Open Limit Balance Accounts under Applicant 1 Present Status Monthly Pymt Amt Account Type – MOP Status 05-06 05-04 12764 8985 13000 285 I-1 CURRENT 24 MR 30 00 60 00 90+ 00 Historical Status Times Past Due Data Source ECOA Appl. Subscriber Ident. Info EFX Activity: PYMT 05-06 Pymt Hist: 05-06 111111111111111111111111 R-1 CURRENT 3 00 00 00 I XPN FXX828796 APP1 TUC I XPN 7400XX0NZ APP1 EFX Group Total 2 Accounts 30 00 60 00 90+ 00 Page 2 of 7 Instant Merge Credit Report Ref #: 1-00717-31453-0000 01/27/2007 TID #: 1-00726-11477 01/27/2007 10:36:20 CREDIT HISTORY I Credit Grantor T E Account Number M # Category/Terms Remarks Date Credit Rptd Highest Open Limit Balance Accounts under Applicant 2 Present Status Monthly Pymt Amt Account Type – MOP Status 1327 996 49 R-1 CURRENT 52 MR 30 00 60 00 90+ 00 Historical Status Times Past Due Data Source ECOA Appl. Subscriber Ident. Info EFX 15XXB0374 I 7 XPN TUC APP2 4 DISCOVER FINANCIAL 06-06 SVC 601039808 02-02 Activity: PYMT 06-06 Pymt Hist: 06-06 111111111111111111111111 Addt’l Dates: LACT 04-06; PYMT 06-06 Group Total 1 Accounts Balance 996 Monthly Pymt Amt 49 30 00 60 00 90+ 00 CREDIT HISTORY I Credit Grantor T E Account Number M # Category/Terms Remarks 5 GMAC 445Ac86325 Date Credit Rptd Highest Open Limit Possible Non-Applicant Accounts Present Status Balance Monthly Pymt Amt Account Type – MOP Status 07-06 11-03 5600 3831 61 I-1 CURRENT 91 MR 30 00 60 00 90+ 00 Historical Status Times Past Due Data Source ECOA Appl. Subscriber Ident. Info Group Total 1 Accounts Pymt Hist: 07-06 111111111111111111111111 Addt’l Dates: LACT 05-02 Monthly Balance Pymt Amt 3831 61 EFX F53016XX2 I APP ID5 30 00 60 00 90+ 00 DEROGATORY ITEMS CREDIT HISTORY I Credit Grantor T E Account Number M # Category/Terms Remarks 6 BANK OF AMERICA MORTGAGE 1330469355684 Date Credit Rptd Highest Open Limit Balance Joint Accounts Present Status Monthly Pymt Amt Account Type – MOP Status 06-06 07-01 147286 139339 1326 M-2 DEL 30 59 MR 30 09 60 01 90+ 00 Historical Status Times Past Due Data Source ECOA Appl. Subscriber Ident. Info EFX J XPN FPXX86040 APP1 APP2 TUC Activity: PYMT 12-04 Delinquency Pymt Hist: 06-02 221111212211211121132211 MOP Date Amount 3 11-04 Lates: 1X60: 11-04; 9X30: 06-06, 05-06, 12-05, Max 10-05, 09-05, 06-05, 02-05, 10-04, 09-04 Last 2 06-06 Page 3 of 7 Instant Merge Credit Report Ref #: 1-00717-31453-0000 01/27/2007 TID #: 1-00726-11477 01/27/2007 10:36:20 CREDIT HISTORY I Credit Grantor T E Account Number M # Category/Terms Remarks 7 CHEVRON U S A Date Credit Rptd Highest Open Limit Balance Joint Accounts Present Status Monthly Pymt Amt Account Type – MOP Status 06-06 860 CLOSED 734001 03-98 ACCT SUBMITTED TO COLLECTION; PAID COLL 05-06 CREDIT CARD 8 GRANT & WEBER 05-06 230 N/A G800CAL776113 01-98 CN: CALIFORNIA PACIFIC ACCT SUBMITTED TO COLLECTION COLL 05-06 Group Total 3 Accounts Activity: PYMT 05-06 Pymt Hist: 05-06 999 0 R-5 DEL 120 86 MR 30 01 60 02 90+ 01 Historical Status Times Past Due Data Source ECOA Appl. Subscriber Ident. Info EFX 9060C0024 S XPN TUC APP1 APP2 Activity: CLSD 05-06 Delinquency Pymt Hist: 05-06 543321111111111111111111 MOP Date Amount 5 05-06 430 Lates: 2X90: 05-06,04-06; 2X60: 03-06, 02-06; Max 1X30: 01-06 Last 5 05-06 Y-9 COLL/P&L - Delinquency MOP Date Amount Max 9 Last 9 30 10 60 03 90+ 01 XPN YC3980206 S APP1 APP2 Balance 139339 Monthly Pymt Amt 1326 CREDIT HISTORY I Credit Grantor T E Account Number M # Category/Terms Remarks Date Credit Rptd Highest Open Limit Balance Accounts under Applicant 1 Present Status Monthly Pymt Amt Account Type – MOP Status 1186 742 152300315866 06-02 REFER TO CONSUMER STATEMENT 1 CREDIT CARD 33 R-1 CURRENT 48 MR 30 02 60 01 90+ 02 Historical Status Times Past Due Data Source ECOA Appl. Subscriber Ident. Info 9 FNANB/CIRCUIT CITY 06-06 Group Total 1 Accounts Activity: PYMT 06-06 Delinquency Pymt Hist: 06-06 111111111111154321211111 MOP Date Amount Lates: 2X90+: 05-05, 04-05; 1X60: 03-05; Max 5 05-05 2X30: 02-05, 12-04 Last 5 05-05 Addt’l Dates: LACT 05-02; PYMT 12-04;TRAN 03-03; RFIN 03-02; CHRG 04-02; RPOS 01-05; BKPY 11-03; CLSD 12-02; BLON 01-04 Monthly Balance 30 60 90+ Pymt Amt 742 33 02 01 03 EFX 401HZ00615 I XPN APP1 Page 4 of 7 Instant Merge Credit Report Ref #: 1-00717-31453-0000 01/27/2007 TID #: 1-00726-11477 01/27/2007 10:36:20 PUBLIC RECORDS Bankruptcy Public Record Information Public Records may contain duplicate information. This report displays all information reported by the repositories accessed. Dates Dollars ($) Data Source Filed Item Amt/Liabilities Public Record Description Court Name Reported # Assets Subscriber Satisfied Exempt Info Verified 1 CH 7 BANKRUPTCY FILED JOINTLY FEDERAL DISTRIC COURT (LOS 02-02 ANGELES, CA) 02-02 Docket Number: 9719582 06-02 Status: DISCHARGED EFX 155VF00015 TUC ECOA Applicant Identifier J APP1 APP2 END DEROGATORY ITEMS IDENTIFICATION INFORMATION Item # 1 2 3 4 5 Name SAMPLE, STEVE SAMPLE, STEVE SAMPLE, STEVE SAMPLE, SHARON SAMPLE, STEFAN SSN 911-72-3333 911-72-3333 911-72-3333 333-11-2222 111-22-3359 Date of File Start Birth Date 07-03-62 05-22-72 08-12-72 07-03-62 04-06-72 04-01-64 05-12-74 07-31-75 05-05-82 Data Source EFX XPN TUC TUC TUC Applicant Identifier APP1 APP1 APP1 APP2 POSSIBLE NON APPLICANT APP3 INQUIRIES MADE IN LAST 6 MONTHS Item # Inquiry Made By 1 2 3 4 5 FAC TEST NORWEST-RELS TRADE AMERICAN EXPRESS Dates Inquiry Trade 07-05-06 07-05-06 03-05-06 03-06 02-27-06 02-11-06 Data SourceSubscriber Info TUC-082XX891Z XPN-397XX65FR XPN-7400XX0NZ XPN-19XX062YC TUC-071XX157Z Applicant Identifier APP2 APP1 APP1 APP2 APP2 3 VENGROFF WILLIAMS & AS LENDERS CRDT ADDRESS INFORMATION Item # 1 2 Address 4536 FIRST AMERICAN AVE TESTSITE, CA 9XX07 123 EAGLE ROAD TOMORROW, OR 995XX Address Type Since CURRENT CURRENT 08-01 Date Reported 02-06 11-05 Data Source EFX TUC Applicant Identifier APP1 APP2 APP2 AKA INFORMATION Item # 1 2 Names SAMPLE, STEVE P SAMPLE, SHARON J Data Source XPN XPN Applicant Identifier APP1 APP2 Page 5 of 7 Instant Merge Credit Report Ref #: 1-00717-31453-0000 01/27/2007 TID #: 1-00726-11477 01/27/2007 10:36:20 EMPLOYMENT INFORMATION Item Employer # Address 1 2 BERLIN TIRE ACME FINANCE TESTVILLE, CA Occupation UNKNOWN VICE PRESIDENT Current Status Dates Data Source Hired Reported $1000 Bi-monthly 03-00 EFX 05-00 XPN 05-05 Earnings Applicant Identifier APP1 APP2 MISCELLANEOUS INFORMATION Item # Miscellaneous Text 1 2 3 Consumer has Active Duty Alert Consumer has Extended Fraud Alert Variation between Inquiry and Onfile address. Text Type Active Duty Fraud Alert Date Data Reported Source 05-06 XPN TUC TUC Applicant Identifier APP1 APP2 APP2 CONSUMER STATEMENT Item # Consumer Statement 1 2 3 ACTIVE DUTY ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. 123 EAGLE ROAD, TOMORROW, OR 99500 DAYTIME 7709991212 EVENING 7708883434 FRAUD VICTIM. “EXTENDED ALERT”. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. PAGER 7704445555 ACCOUNT WENT TO A DELINQUENT STATUS WHILE I WAS OUT OF THE COUNTRY. Date Data Reported Source 02-05 EFX 03-05 05-05 EFX XPN Applicant Identifier APP1 APP2 APP3 ID5 DECODE DIRECTORY Decode Creditor Item # 1 2 3 4 5 6 7 8 9 AMERICAN EXPRESS Contact Method Phone/By Mail Only 800-528-4800 Data Source Address Subscriber Info PO Box 297812 Ft Lauderdale, FL 33329 110 N Tryon St Charlotte, NC 28255 PO Box 5010 Concord, CA 94524 4500 Park Granada Calabasas, CA 91302 PO Box 30943 Salt Lake City, UT 84130 PO Box 100044 Kennesaw, GA 30156 3500 W 80th St, Ste 300 Bloomington, MN 55431 26575 West Agoura Rd Calabasas, CA 91302 PO Box 25341 Santa Ana, CA 92799 XPN-7400XX0NZ XPN-FPXX86040 EFX-9060C0024 EFX-180XX00931 EFX-15XXB03747 EFX-401HZ00615 EFX-F530169XX2 XPN-YC3980206 XPN-FXX828796 Applicant Identifier APP1 APP1 APP2 APP1 APP2 APP1 APP2 APP2 APP1 APP3 APP1 APP2 APP1 ID5 BANK OF AMERICA MORTGAGE By Mail Only CHEVRON U S A COUTRYWIDE HOME LOANS DISCOVER FINANCIAL SVC FNANB/CIRCUIT CITY GMAC GRANT & WEBER WFS FINANACIAL INC 800-243-8766 By Mail Only 800-347-2683 By Mail Only 800-200-4522 818-878-7700 800-289-8004 Page 6 of 7 Instant Merge Credit Report Ref #: 1-00717-31453-0000 01/27/2007 TID #: 1-00726-11477 01/27/2007 10:36:20 FRAUD VERIFICATION INFORMATION Product Item # SAFESCAN 1 2 HRFA 1 2 3 Fraud Message SAFESCANNED: YOUR INQUIRY HAS GONE THROUGH OUR SAFESCAN DATA BASE; SSN ISSUED 1969 IN HI Not provided by the repository. Not provided by the repository. AVAILABLE AND CLEAR SUB-SEGMENT DATA ONLY; SINCE 11-07-2000 THE SSN HAS BEEN USED 3 TIMES IN OTHER INQUIRIES Data Source EFX Applicant Identifier APP1 APP2 TUC APP1 APP2 ID 5 APP3 DATA SOURCE CONTACTS Data Source EFX XPN TUC Data Source Name EQUIFAX INFORMATION SVCS CSC CREDIT SERVICES EXPERIAN TRANSUNION Address PO BOX 619044 DALLAS, TX 75261 PO BOX 2002 ALLEN, TX 75013 2 BALDWIN PLACE PO BOX 1000 CHESTER, PA 19022 Telephone (800) 392-7816 (888) 397-3741 (800) 888-4213 Website www.equifax.com www.experian.com www.transunion.com ERROR INFORMATION Item # Error Message(s) 1 TUC DATA UNAVAILABLE Error Codes E021, E160 Data Source TUC Applicant Identifier APP1 DISCLOSURE This report contains information supplied by the repositories named above. Its contents have not been verified by First American CREDCO and may contain duplicate information. While this report is being used for some real estate lending purposes, it is not a Residential Mortgage Credit Report as defined by FNMA, FHLMC, and FHA/VA guidelines. End of Instant Merge Report