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                                           CreditXpert Essentials™                           Applicant View



 Credit Bureau: TransUnion on 02/23/2004



      CreditXpert Credit Score™ Summary


Currently, your credit score will make it difficult for               Your CreditXpert Credit Score™ is:
you to get the best offers from lenders, especially for
credit cards. Be prepared to pay higher fees and
interest rates and/or to make a deposit or down
payment. Also, you may not be able to get high
credit limits and loan amounts. However, if you
demonstrate that you are reliable by always paying
your bills on time, your credit scores can improve
significantly.

Your credit scores are based on the information in
your credit bureau reports. Higher scores are better,
because they increase your chances of getting the
loans you want. Keep in mind that when lenders
evaluate a credit application, credit scores are not
the only factor they use in making their decision.
They usually ask for additional information (such as
income and monthly payments) to determine your
ability to repay the loan.

                                                                Your CreditXpert Credit Score™ is higher than
                                                                        25% of the U.S. population.


     Credit Analysis


Both negative and positive factors influence your credit score. The most important factors of each are
listed below, in their order of importance. Remember, these factors vary in how strongly they impact
your credit score. For example, if you have a very high credit score, the negative factors in your analysis
are likely to have a small impact. The same is true for positive factors if you have a very low credit
score.

Additional details are provided for some factors to help you better understand how they relate to your
credit accounts.

       Negative Factors


1. Payment history

    You missed the most consecutive payments or became derogatory 1 year and 2 months ago. This
    only includes accounts for which the payment history was reported.

    This is making your score lower. Missing payments is a negative factor. Not having a reported history
    of payments on any account is also a negative factor, since it does not give lenders information about
    whether you have missed payments. Some cases of missing payments are worse than others. If you
   have not missed any payment recently, lenders may think you are, or have become, responsible and
   do not, or will no longer, miss payments. Lenders realize that many people occasionally miss a
   payment or pay late. Therefore, missing payments on one account may not be as harmful as missing
   payments on many. Similarly, missing a single payment may not be as harmful as missing several
   consecutive payments. Note that many lenders consider missing 3 or more consecutive payments to
   be an indication that you may never repay them. Also, lenders may view missing payments as a more
   serious problem if you have collection accounts or negative public records such as court judgments or
   bankruptcies. These types of credit records indicate a pattern of credit problems. Finally, it may not be
   as harmful to miss payments if the past due balances are small, because lenders stand to lose less
   money if they remain unpaid.

   Here is a list of all the credit records used to calculate this factor.

    Payment Status            Lending Institution,                                                   Date Last
                                                                         Comment
        Date                   Account Number                                                        Reported

                                    AAFES
         12/2002                                                     Was "30 days late".              06/2003
                                601944100235****




2. Credit usage

   On average, you are using 31% of the credit limit on your revolving account(s). If the credit limit was
   not reported, your highest balance was used as the credit limit. This only includes accounts for which
   the credit limit or highest balance is reported. Lost or stolen, transferred, or sold accounts may be
   excluded from this factor.

   This is making your score lower. High usage (such as balances above 50% of the credit limit) is
   usually considered negative, because lenders worry that you may be using more credit than you can
   reasonably afford to repay. Being "maxed out" or overlimit on a credit card (when your balance is close
   to, or above, the credit limit) is especially negative. The more accounts in this situation, the more it
   affects your scores. Note that in some cases, such as for very high credit scores, as little as 15%
   usage may have a negative impact, although minor. Low usage, on the other hand, is usually
   considered positive because it provides lenders with information on how you use credit. It also shows
   that you do not need to use all of the credit available to you. However, not using your credit accounts
   may be considered a negative factor, because it does not provide lenders with information about how
   you typically use credit and repay your debts.

   Here is a list of all the credit records used to calculate this factor.

                                Lending Institution,                                                 Date Last
         % Used                                                           Comment
                                 Account Number                                                      Reported

                                   MBNA AMERICA                Credit limit is $11,000. Balance is
           69%                                                                                        06/2003
                                     549099****                               $7,590.

                                       AAFES                   Credit limit is $27,000. Balance is
           63%                                                                                        06/2003
                                   601944100235****                          $17,000.

                                    HSSI-NTL CRD                 Credit limit is $500. Balance is
           50%                                                                                        12/1997
                                       417****                                 $250.

                                   MADISON BANK                 Credit limit is $7,000. Balance is
           49%                                                                                        06/2003
                                    1002891****                               $3,430.

                                    AMER GEN FIN                Account not used. Credit limit is
           0%                                                                                         07/1995
                                   588943100003****                 $6,000. Balance is $0.

                                    BARRIE PACE                 Account not used. Credit limit is
           0%                                                                                         07/1998
                                   600814000000****                 $400. Balance is $0.

                                     FNANB/CIRC                 Account not used. Credit limit is
           0%                                                                                         07/1999
                                   152300339524****                 $4,000. Balance is $0.

                                    FRMFLT/CBUSA                Account not used. Credit limit is
           0%                                                                                         04/2003
                                   603543211045****                 $500. Balance is $0.

                                    FST AMER BK                 Account not used. Credit limit is
           0%                                                                                         03/1997
                                   544491210000****                 $5,000. Balance is $0.
                                    HARRIS BK NH                Account not used. Credit limit is
           0%                                                                                       12/1999
                                   523002201161****                 $5,000. Balance is $0.

                                    HARRIS BK NH                Account not used. Credit limit is
           0%                                                                                       12/1999
                                   523003394008****                $10,000. Balance is $0.

                                     HB/BESTBUY                 Account not used. Credit limit is
           0%                                                                                       07/2003
                                    7001168000****                  $1,000. Balance is $0.

                                   MBNA AMERICA                 Account not used. Credit limit is
           0%                                                                                       12/2003
                                     549099****                    $11,700. Balance is $0.

                                  NORDSTROMFSB                  Account not used. Credit limit is
           0%                                                                                       12/2000
                                      1****                         $300. Balance is $0.

                                   SCA/BARRIEPC                 Account not used. Credit limit is
           0%                                                                                       05/1999
                                  1820001000000****                 $400. Balance is $0.

                                   CARECRD/GECC                 Credit limit, highest balance not
            ?                                                                                       02/2004
                                   601918180951****                          reported.

                                   CARECRD/GECC                 Credit limit, highest balance not
            ?                                                                                       11/2003
                                   601918180951****                          reported.




3. Credit applications

   You applied for credit 26 time(s) in the past 12 months, as recorded in this credit report. All mortgage
   applications within a 14-day period count as a single application. This is also true of applications for
   auto loans.

   This is making your score lower. Applying for credit many times within a short period can hurt your
   credit scores. When you apply for any type of credit (such as an auto loan, credit card, department
   store card, or mortgage), the lender considering your credit application checks your credit history. This
   is recorded in your credit reports as a "hard inquiry." Although inquiries are an unavoidable result of
   applying for credit, lenders dislike seeing many within a short period (such as 6 months). This is
   because they do not know whether you are "shopping" for the best offer, or if you are desperately
   trying to get credit because of financial trouble. Therefore, try to limit your comparison to a small
   number of lenders when "shopping" for the best offer.

   Here is a list of all the credit records used to calculate this factor.

                               Lending Institution,                                                 Date Last
      Inquiry Date                                                       Comment
                                Account Number                                                      Reported

       02/03/2004         293JAMESWALL/JAMES,WALLA

       02/04/2004          381RBMCTESTI/CBR/DETROIT

       02/06/2004          216BERLINCITY/BERLINCITY

       02/06/2004         221SACOVALLEYCU/CBNH-MTG

       02/06/2004           323NCHYBRID/NCHYBRIDS

       02/09/2004         323USDAFSACOL/USDA/FSACO

       02/09/2004         AMERICAPMORTG/CREDITPLUS

       02/09/2004                 NTL PENN BK

       02/10/2004          381RBMCTESTI/CBR/DETROIT

       02/11/2004          381RBMCTESTI/CBR/DETROIT

       02/16/2004        221DOWNEASTE/DOWNEASTENR

       02/17/2004         144PCTESTCLI/CBCMORTGAGE

       02/17/2004        221WALDOCOUNTYO/WALDOOIL

       02/17/2004           263BANKOFBOLIVAR/BANK

       02/17/2004        317CONSUMERCR/WESTCOASTD

       02/17/2004          381RBMCTESTI/CBR/DETROIT
         02/18/2004       001LEDSGRAPHICS/1STMERIT

         02/18/2004       381RBMCTESTI/CBR/DETROIT

         02/18/2004             BARHARBOR BK

         02/18/2004                CBNH-MTG

         02/18/2004                DECIS ONE

         02/19/2004              USDA/FSA CO

         02/19/2004              USDA/FSA CO

         02/20/2004       216VINCENTSA/VINCENTSAUT

         02/23/2004      001OTAKUSTAKOT/CBCCOMACS

         02/23/2004       WILMINGTONFI/WILMINGTONF



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       Positive Factors

1. Payment history

    Last reported month, 100% of your accounts were reported as having been paid on time. Derogatory
    accounts (even if old) and accounts with no reported payment status are not considered to have been
    paid on time. Lost or stolen, transferred, or sold accounts may be excluded from this factor.

    This is making your score higher. Missing payments is a negative factor. Not having a reported history
    of payments on any account is also a negative factor, since it does not give lenders information about
    whether you have missed payments. Some cases of missing payments are worse than others. If you
    have not missed any payment recently, lenders may think you are, or have become, responsible and
    do not, or will no longer, miss payments. Lenders realize that many people occasionally miss a
    payment or pay late. Therefore, missing payments on one account may not be as harmful as missing
    payments on many. Similarly, missing a single payment may not be as harmful as missing several
    consecutive payments. Note that many lenders consider missing 3 or more consecutive payments to
    be an indication that you may never repay them. Also, lenders may view missing payments as a more
    serious problem if you have collection accounts or negative public records such as court judgments or
    bankruptcies. These types of credit records indicate a pattern of credit problems. Finally, it may not be
    as harmful to miss payments if the past due balances are small, because lenders stand to lose less
    money if they remain unpaid.


2. Collection accounts and public records

    You do not have any collection account or negative public record listed in your credit report.

    This is making your score higher. Having a collection account or a negative public record (such as a
    bankruptcy or a court judgment against you) on your report is a negative factor. Collection accounts
    show a pattern of not paying your bills. Negative public records are legal obligations that have priority
    over your debts, and so may impact your ability to repay them. They often result from unpaid bills for
    which creditors have to sue in order to get paid. Old collection accounts or negative public records are
    less harmful to your credit scores. If you have not had any new collection accounts or negative public
    records reported recently, lenders may consider that you have regained control over your financial
    situation. In any case, these records will significantly affect your ability to get new credit accounts,
    which may involve a deposit and/or higher fees and interest rates.


3. Credit accounts

    You have at least one open bankcard.

    This is making your score higher. Having accounts listed in your credit reports is a positive factor
    because the accounts' payment history shows lenders how you pay your bills. However, having too
    many accounts or adding too many new accounts may be considered negative factors because
    lenders worry that you are spending (or preparing to spend) beyond your means, even if you have
    never missed payments. Also, if you do not currently have credit, getting your first few credit cards
    may be difficult and may involve high fees, high interest rates, and low credit limits. Note that accounts
    from personal finance companies (which specialize in lending to people with credit problems) may be
    considered negative.

    Here is a list of all the credit records used to calculate this factor.

                               Lending Institution,                                                         Date Last
       Date Opened                                                           Comment
                                Account Number                                                              Reported

                                   AMER GEN FIN
              07/1995                                                                                        07/1995
                                  588943100003****

                                  MBNA AMERICA
              11/1996                                                                                        06/2003
                                    549099****

                                   MADISON BANK
              03/1999                                                                                        06/2003
                                    1002891****

                                   FRMFLT/CBUSA
              04/2003                                                                                        04/2003
                                  603543211045****



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      Actions


No actions found

CreditXpert Credit Wizard™ tested thousands of actions, but none improved your score significantly.

This does not mean that your score cannot improve.

Keep in mind that you cannot affect negative factors such as length of credit history or past
delinquencies.

However, you can continue your positive behavior to help maintain and improve your scores. You
cannot prevent past delinquencies from lowering your scores.

Provided you pay all of your accounts on time, these delinquencies will hurt your scores less as time
passes because older delinquencies are less negative.

Also, delinquency records may be removed from your reports after 7 years. You cannot prevent recent
credit applications from lowering your scores.

Provided you do not make more applications in the near future, this factor will impact your scores less
as time passes.

This is because inquiries matter most if they were made in the last 12 months (or, in some cases, up to
24 months).




         CreditXpert® glossary of credit industry terms: http://www.CreditXpert.com/glossary.htm




                         CreditXpert Essentials™ is comprised of CreditXpert Credit Score™, CreditXpert Credit Analysis™
                            and CreditXpert Credit Wizard™.

A CreditXpert Credit Score™ is provided to help you better understand how lenders evaluate your credit reports. It is not an
endorsement or a determination of your qualification for a loan. Each lender has specific underwriting standards, so you should
not assume that you will receive the same evaluation from each lender. As part of the underwriting process, lenders will
incorporate additional information you provide and may obtain references. In addition, even if you are approved, the terms and
conditions of loans may vary from lender to lender. The higher your credit scores, the better. With a better credit score, you are
more likely to be eligible for the best credit card and loan offers, including terms and conditions, such as interest, fees, and
benefits.

The information used to determine a CreditXpert Credit Score comes from your credit report at one of the major credit bureaus.
Your credit reports are a compilation of your credit information that is reported to the bureaus by various institutions such as
lenders with which you have accounts. The information contained in your credit reports reflects the latest information provided. If
you recently made a payment, opened a new account, or authorized a credit inquiry, it may not yet be reflected in your reports.
Likewise, it will not be reflected in your CreditXpert Credit Score™, CreditXpert Credit Analysis™, CreditXpert Credit Wizard™, or
CreditXpert 3-Bureau Comparison™. Also, disputed items are not incorporated in the assessment of a CreditXpert Credit Score.
Be aware that your scores may change every time new information is added to your credit reports. In addition, the CreditXpert
Credit Score you receive is only as accurate as the information it is based upon. CreditXpert Inc. is not responsible for
misinformation (incorrect or missing information) in your credit reports, which may lead to a counter-intuitive or even incorrect
analysis. Carefully review all the information in your credit reports to make sure it is accurate and up-to-date. If you need advice
about how to handle financial problems, you can seek help from a non-profit credit counseling organization.

The CreditXpert Credit Score is calculated based on many of the same criteria considered by the leading consumer credit scoring
companies, producing in most cases a consumer credit score that duplicates or closely approximates the typical consumer credit
score used by banks, mortgage lenders, and loan companies when determining credit worthiness. CreditXpert® is not connected
in any way with Fair Isaac Corporation; the CreditXpert Credit Score is not a so-called FICO® score. CreditXpert Inc. does not
represent that the CreditXpert Credit Scores are identical in every respect to any consumer credit score produced by any other
company.


Copyright © 2000-2003, CreditXpert Inc. All rights reserved. CreditXpert® is a registered trademark of CreditXpert Inc.

				
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