CreditLink ® Corporation A Revolution in the Way People Rent CL Advantage Credit Report Sample 1. Account Information: This area contains information about your account (account name and address, account number, reference number, date requested, property name, and name of person who requested the report). 2. Applicant Information The first line contains the information you submitted about your applicant (name and social security number). The “received” portion shows the information received back from the credit bureau (name, SSN, date of birth [if available], previous addresses, and employment [if available]). Note: Addresses show the last date the person applied for credit while at that address. 3. Identity Integrity This section of the report gives you details about any data returned that does not exactly match the information that was provided to you by your applicant. Generally, the results returned here are self explanatory. Examples: All Data Returned SSN differs by 1 digit 4. Summary of Accounts This is a summary of the compiled nationwide credit bureau information. Some positive information will stay on the credit report indefinitely. Negative information is usually removed from credit reports after seven (7) years, except for bankruptcies, which will stay on the report for up to ten (10) years. 5. Risk Factor (AKA FICO Score) This is a credit bureau projection of how likely it is that the creditor will have a delinquency within the next 24 months. This projection is based on a number of factors: payment history, amounts owed, length of credit history, new credit, and types of credit used. The Risk Factor/FICO scores range from 350 to 850. The higher the score, the better the applicant's credit, making them less of a possible credit risk. Please see the FICO website (www.myfico.com) for additional details regarding the FICO scores. If the Risk Factor/FICO score says “No Score; insufficient credit history” it means there are no trade lines with balances or the accounts are less than six months old. 6. Public Records: 7. Collection Records This section includes public record information regarding financial matters such as; civil judgments, tax liens, and bankruptcies. When data is available, this will include the date of the record and the plaintiff in the lawsuit. This section shows any account that has been assigned for collections to a third party company. Creditor: The name of the collection company, the original holder of the account, and the status of the accounts Opened: The date that the collection was opened Closed/Paidout: The date that the collection was closed and/or paid in full Orig Bal/Current: The original balance of the account and the current amount due. © 2015 CreditLink Corporation 6050 Santo Rd, Suite 135 San Diego, Ca 92124 858.496.1000 800.446.1421 fax 858.496.1015 creditlink.com