Credit Report Prepared For:

CHAD M MCQUARRIEReport as Of: 7/9/2012

Personal & ConfidentialPlease Keep in a safe place for your records.

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Table of Contents

Personal Information _____________________________________________________________________ 1 Report Summary ________________________________________________________________________ 2 Bankruptcy & Court Judgments ____________________________________________________________ 3 Credit Inquires __________________________________________________________________________ 4 Credit Cards, Loans & Other Debt ___________________________________________________________ 8 Credit Score ___________________________________________________________________________ 19 

Experian ____________________________________________________________________________ 20 

Equifax ______________________________________________________________________________ 21 

Transunion ___________________________________________________________________________ 22 

CreditScore.com | A Part of Experian

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Personal InformationHere you will find your personal information, including your legal name(s), year of birth, current and previous addresses, and current and previous employers.

Profile    

   Name  CHAD M MCQUARRIE    CHAD M MCQUARRIE    CHAD M MCQUARRIE

(Also Known As) AKA  MCQUARRIE CHAD         MCQUARRIE,CHAD,MICHAELYear of Birth  1980    1980    1980

 

Address(es)  605 BLACKSHOALS DR, CARY, NC 27511-5728

5430 REBECCA LYNN LN, RALEIGH, NC 27613-1069

6300 CHADFORD DR APT 1824, RALEIGH, NC 27612-7198

 

 605 BLACKSHOALS DR, CARY, NC 27511

5430 REBECCA LYNN LN, RALEIGH, NC 27613

6300 CHADFORD DR APT 1824, RALEIGH, NC 27612

 

 605 BLACKSHOALS DR, CARY, NC 27511

5430 REBECCA LYNN LN, RALEIGH, NC 27613

46 22ND ST, RICHMOND, IN 47374

  Current Employer  CHEESECAKE FACTORY        GARFIELDS

  Previous Employer  SYKES ENTERPRISES        AMPRIDESTERLING

This space is reserved for statements of dispute. For most consumers, no information appears in this section.

Personal Statement

Personal Information Page 1 of 1 Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Report SummaryThis section provides you some of the most important data points on the credit report.

Summary    

    

Accounts Listed Negative  0    0    0Collections Accounts  5    7    7

  Real Estate Debt  $0.00    $0.00    $0.00

  Installment Debt  $39,361.00    $21,279.00    $21,279.00

  Revolving Debt  $431.00    $431.00    $431.00

  % Revolving Credit Available  28.17%    100%    28%

Personal Information Report Summary Page 1 of 1 Bankruptcies Credit Inquires Credit Cards & Loans Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Bankruptcy & Court JudgmentsHere you will find any court-related information, including bankruptcies, state and county court records, tax liens, monetary judgments, and in some states, overdue child support payments. Remember, bankruptcies remain on your report for 7-10 years.

Public Records

There are no Public Records on your credit report at this time.

No History No History No History

Personal Information Report Summary Bankruptcies Page 1 of 1 Credit Inquires Credit Cards & Loans Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

GECRB    

   Business Name          GECRB

Inquiry Date          7/9/2012Business Type

        Credit card and travel / entertainment companies

No Phone Provided          

C/O PO BOX 965037ORLANDO, FL 32896

         

                  

TARGET NATIONAL BANK    

   Business Name      TARGET NATIONAL BANK    

Inquiry Date      6/22/2012    Business Type      Complete Dept. Stores    

888-755-5856          

C/O TARGET CREDIT SERVICESP O BOX 673MINNEAPOLIS, MN 55440-0673

         

                  

WEBBANK/BML    

   Business Name      WEBBANK/BML    

Inquiry Date      2/16/2012    Business Type      National Credit Card Cos.    

866-528-3733          

9690 DEERCO ROADTIMONIUM, MD 21093

         

                  

GECRB/AMAZON PLCC    

   Business Name  GECRB/AMAZON PLCC        

Inquiry Date  11/14/2011        Business Type  Bank Credit Cards        

866-597-1513          

PO BOX 981400EL PASO, TX 79998

         

                  

Personal Information Report Summary Bankruptcies Credit Inquires Page 1 of 4 Credit Cards & Loans Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

GECRB/LOWES    

   Business Name          GECRB/LOWES

Inquiry Date          9/8/2011Business Type

        Credit card and travel / entertainment companies

800-444-1408          

PO BOX 965005ORLANDO, FL 32896

         

                  

GECRB/AMAZON    

   Business Name          GECRB/AMAZON

Inquiry Date          9/2/2011Business Type          Banks and S&Ls

866-634-8379          

PO BOX 965015ORLANDO, FL 32896

         

                  

WEBBANK/BML    

   Business Name      WEBBANK/BML    

Inquiry Date      5/3/2011    Business Type      National Credit Card Cos.    

866-528-3733          

9690 DEERCO ROADTIMONIUM, MD 21093

         

                  

CHASE BANK USA, N. A    

   Business Name      CHASE BANK USA, N. A    

Inquiry Date      4/7/2011    Business Type      National Credit Card Cos.    

800-677-7101          

201 N.WALNUT STREETWILMINGTON, DE 19801

         

                  

Personal Information Report Summary Bankruptcies Credit Inquires Page 2 of 4 Credit Cards & Loans Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

CAPITAL ONE/HSBC    

   Business Name      CAPITAL ONE/HSBC    

Inquiry Date      2/26/2011    Business Type      All Banks    

800-695-6950          

26525 NORTH RIVERWOODS BLVDMETTAWA, IL 60045

         

                  

CAPITAL ONE/HSBC    

   Business Name      CAPITAL ONE/HSBC    

Inquiry Date      2/26/2011    Business Type      All Banks    

800-695-6950          

26525 NORTH RIVERWOODS BLVDMETTAWA, IL 60045

         

                  

1ST PREMIER    

   Business Name          1ST PREMIER

Inquiry Date          11/14/2010Business Type          Banks and S&Ls

605-357-3440          

3820 N LOUISE AVESIOUX FALLS, SD 57104

         

                  

CREDCO    

   Business Name      CREDCO    

Inquiry Date      10/8/2010    Business Type      Miscellaneous Reptg. Agencies    

                                    

Personal Information Report Summary Bankruptcies Credit Inquires Page 3 of 4 Credit Cards & Loans Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

GECRB    

   Business Name      GECRB    

Inquiry Date      9/7/2010    Business Type      Sales Financing    

No Phone Provided          

C/O PO BOX 965037ORLANDO, FL 32896-5037

         

                  

 

Personal Information Report Summary Bankruptcies Credit Inquires Page 4 of 4 Credit Cards & Loans Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

ABSOLUTE COLLECT SVC    

Potentially Negative

   Account Name ABSOLUTE COLLECT SVC        ACS

Account # A2476XXXX        A2476XXXXAccount Type Collection Department / Agency /

Attorney        Collection Account

919-755-3900 Balance $1,055.00        $1,055.00

421 FAYETTEVILLE ST STERALEIGH, NC 27601

Past Due $1,055.00        Date Opened 1/1/2010        1/4/2010

Account Status Closed        OpenMo. Payment        

Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

       Collection account

High Balance        Limit        

Terms 1 Month        Comments        Placed for collection

  2008 2009 2010MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR

                                              KD                                                                                              

Month Experian 

Equifax TransUnion 

ABSOLUTE COLLECT SVC    

Potentially Negative

   Account Name ABSOLUTE COLLECT SVC        ACS

Account # A1967XXXX    A1967XXXX    A1967XXXXAccount Type Collection Department / Agency /

Attorney   Collection Account     Collection Account

919-755-3900 Balance $196.00    $196.00    $196.00

421 FAYETTEVILLE ST STERALEIGH, NC 27601

Past Due $196.00        Date Opened 6/1/2006    6/1/2006    6/19/2006

Account Status Closed    Closed    OpenMo. Payment        

Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

   Unpaid    Collection account

High Balance        Limit        

Terms 1 Month        Comments

  MEDICALUnpaid

   Placed for collection

  2004 2005 2006DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV

                                              KD                                                                                              

Month Experian 

Equifax TransUnion 

 

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 1 of 10 Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

ABSOLUTE COLLECT SVC    

Potentially Negative

   Account Name ABSOLUTE COLLECT SVC        ACS

Account # A1961XXXX    A1961XXXX    A1961XXXXAccount Type Collection Department / Agency /

Attorney   Collection Account     Collection Account

919-755-3900 Balance $196.00    $196.00    $196.00

421 FAYETTEVILLE ST STERALEIGH, NC 27601

Past Due $196.00        Date Opened 5/1/2006    5/1/2006    5/22/2006

Account Status Closed    Closed    OpenMo. Payment        

Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

   Unpaid    Collection account

High Balance        Limit        

Terms 1 Month        Comments

  MEDICALUnpaid

   Placed for collection

  2004 2005 2006OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP

                                              KD                                                                                              

Month Experian 

Equifax TransUnion 

ACS    

Potentially Negative

   Account Name        ACS

Account #        A2523XXXXAccount Type         Collection Account

919-755-3900 Balance        $705.00

421 FAYETTEVILLE SSUITE 600RALEIGH, NC 27601

Past Due        Date Opened        4/26/2010

Account Status        OpenMo. Payment        

Payment Status        Collection accountHigh Balance        

Limit        Terms        

Comments        Placed for collection

  -JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC

                                                                                                                                             

Month Experian 

Equifax TransUnion 

 

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 2 of 10 Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

FAC/NAB    

Potentially Negative

   Account Name FAC/NAB        FAC/NAB

Account # 1084XXXX    1084XXXX    1084XXXXAccount Type Collection Department / Agency /

Attorney   Collection Account     Collection Account

615-256-7100 Balance $848.00    $848.00    $848.00

480 JAMES ROBERTSON PKWYNASHVILLE, TN 37219

Past Due $848.00        Date Opened 2/1/2008    2/1/2008    2/20/2008

Account Status Closed    Closed    OpenMo. Payment        

Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

   Unpaid    Collection account

High Balance        Limit        

Terms 1 Month        Comments

  MEDICALUnpaid

   Placed for collection

  2010 2011 2012JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUNKD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD

                                                                                              

Month Experian 

Equifax TransUnion 

INTERCREDCOL    

Potentially Negative

   Account Name        INTERCREDCOL

Account #        461XXXXAccount Type         Collection Account

336-777-3524 Balance        $73.00

711 COLISEUM PLAZAWINSTON SALEM, NC 27106

Past Due        Date Opened        12/13/2006

Account Status        OpenMo. Payment        

Payment Status        Collection accountHigh Balance        

Limit        Terms        

Comments        Placed for collection

  -JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC

                                                                                                                                             

Month Experian 

Equifax TransUnion 

 

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 3 of 10 Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

SCA COLLECTIONS INC    

Potentially Negative

   Account Name SCA COLLECTIONS INC        SCA COLLECT

Account # 198XXXX    198XXXX    198XXXXAccount Type Collection Department / Agency /

Attorney   Collection Account     Collection Account

252-355-5500 Balance $79.00    $79.00    $79.00

PO BOX 876GREENVILLE, NC 27835

Past Due $79.00        Date Opened 10/1/2008    10/1/2008    10/7/2008

Account Status Closed    Closed    OpenMo. Payment        

Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

   Unpaid    Collection account

High Balance        Limit        

Terms 1 Month        Comments

  MEDICALUnpaid

   Placed for collection

  2007 2008JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC

                                              KD                                                                                              

Month Experian 

Equifax TransUnion 

   

Potentially Negative Closed

   Account Name        

Account #    A2176XXXX    Account Type    Collection Account    

Balance    $2,007.00    Past Due        

Date Opened    5/1/2008    Account Status    Closed    

Mo. Payment        Payment Status    Unpaid    

High Balance        Limit        

Terms        Comments

  MEDICALUnpaid

   

  -JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC

                                                                                                                                             

Month Experian 

Equifax TransUnion 

 

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 4 of 10 Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

   

Potentially Negative Closed

   Account Name        

Account #    897XXXX    Account Type    Collection Account    

Balance    $90.00    Past Due        

Date Opened    3/1/2008    Account Status    Closed    

Mo. Payment        Payment Status    Unpaid    

High Balance        Limit        

Terms        Comments

  MEDICALUnpaid

   

  -JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC

                                                                                                                                             

Month Experian 

Equifax TransUnion 

   

Potentially Negative Closed

   Account Name        

Account #    A2126XXXX    Account Type    Collection Account    

Balance    $115.00    Past Due        

Date Opened    12/1/2007    Account Status    Closed    

Mo. Payment        Payment Status    Unpaid    

High Balance        Limit        

Terms        Comments

  MEDICALUnpaid

   

  -JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC

                                                                                                                                             

Month Experian 

Equifax TransUnion 

 

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 5 of 10 Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

MONROE COUNTY CHILD SU    

Potentially Negative Closed

   Account Name MONROE COUNTY CHILD SU        

Account # 529XXXX        Account Type Child Support        

812-349-2675 Balance $18,082.00        

238 W 7TH STBLOOMINGTON, IN 47404

Past Due $18,082.00        Date Opened 1/1/2006        

Account Status Closed        Mo. Payment        

Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

       

High Balance        Limit        

Terms 1 Month        Comments        

  2010 2011 2012JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN

                                              KD                                                                                              

Month Experian 

Equifax TransUnion 

CAP ONE    

Current

   Account Name CAP ONE    CAPITAL ONE    CAP ONE

Account # 526835019189XXXX    526835019189XXXX    52683501XXXXAccount Type Credit Card    Revolving or Option    Revolving account

800-477-6000 Balance $198.00    $198.00    $198.00

PO BOX 5253CAROL STREAM, IL 60197

Past Due        $0.00Date Opened 2/1/2011    2/1/2011    2/26/2011

Account Status Open    Open    OpenMo. Payment $25.00    $25.00    $25.00

Payment Status Current    Pays account as agreed    Paid or paying as agreedHigh Balance $323.00        $323.00

Limit $300.00    $300.00    $300.00Terms Revolving        Minimum

Comments 

 CREDIT CARD   

  2010 2011 2012JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY

                  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK                OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK                  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Month Experian 

Equifax TransUnion 

 

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 6 of 10 Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

CARMAX AUTO FINANCE    

Current

   Account Name CARMAX AUTO FINANCE    CARMAX AUTO FINANCE    CAF

Account # 941XXXX    941XXXX    941XXXXAccount Type Auto Loan    Installment    Installment account

No Phone Provided Balance $12,758.00    $12,758.00    $12,758.00

2040 THALBRO STRICHMOND, VA 23230

Past Due        $0.00Date Opened 7/1/2009    7/1/2009    7/29/2009

Account Status Open    Open    OpenMo. Payment $376.00    $376.00    $376.00

Payment Status Current, was past due 30 days    Pays account as agreed    Paid or paying as agreedHigh Balance    $20,296.00    $20,296.00

Limit        Terms 72 Months        72 Months

Comments 

 AUTOFIXED RATE

   

  2010 2011 2012MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR

  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK

Month Experian 

Equifax TransUnion 

FED LOAN SERV    

Current

   Account Name FED LOAN SERV    FED LOAN SERVICING    FEDLOAN

Account # 4622018935FD0XXXX    4622018935FD0XXXX    4622018935FD0XXXXAccount Type Education Loan    Installment    Installment account

717-720-1985 Balance $2,000.00    $2,000.00    $2,000.00

PO BOX 69184HARRISBURG, PA 17106

Past Due    $0.00    $0.00Date Opened 10/1/2011    10/1/2011    10/6/2011

Account Status Open    Open    OpenMo. Payment        

Payment Status Current    Pays account as agreed    Paid or paying as agreedHigh Balance    $2,000.00    $2,000.00

Limit        Terms Unknown        

CommentsStudent loan - payment deferred  

 STUDENT LOAN - PAYMENT DEFERRED

   Payment deferred

  2010 2011 2012MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR

                                    OK OK OK OK OK OK                                  OK OK OK OK OK OK OK                                    OK OK OK OK OK OK

Month Experian 

Equifax TransUnion 

 

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 7 of 10 Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

FED LOAN SERV    

Current

   Account Name FED LOAN SERV    FED LOAN SERVICING    FEDLOAN

Account # 4622018935FD0XXXX    4622018935FD0XXXX    4622018935FD0XXXXAccount Type Education Loan    Installment    Installment account

717-720-1985 Balance $3,500.00    $3,500.00    $3,500.00

PO BOX 69184HARRISBURG, PA 17106

Past Due    $0.00    $0.00Date Opened 10/1/2011    10/1/2011    10/6/2011

Account Status Open    Open    OpenMo. Payment        

Payment Status Current    Pays account as agreed    Paid or paying as agreedHigh Balance    $3,500.00    $3,500.00

Limit        Terms Unknown        

CommentsStudent loan - payment deferred  

 STUDENT LOAN - PAYMENT DEFERRED

   Payment deferred

  2010 2011 2012MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR

                                    OK OK OK OK OK OK                                  OK OK OK OK OK OK OK                                    OK OK OK OK OK OK

Month Experian 

Equifax TransUnion 

FED LOAN SERV    

Current

   Account Name FED LOAN SERV    FED LOAN SERVICING    FEDLOAN

Account # 4622018935FD0XXXX    4622018935FD0XXXX    4622018935FD0XXXXAccount Type Education Loan    Installment    Installment account

717-720-1985 Balance $2,821.00    $200.00    $200.00

PO BOX 69184HARRISBURG, PA 17106

Past Due    $0.00    $0.00Date Opened 6/1/2011    6/1/2011    6/6/2011

Account Status Open    Open    OpenMo. Payment        

Payment Status Current    Pays account as agreed    Paid or paying as agreedHigh Balance    $200.00    $200.00

Limit        Terms Unknown        

CommentsStudent loan - payment deferred  

 STUDENT LOAN - PAYMENT DEFERRED

   Payment deferred

  2010 2011 2012MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR

                            OK OK OK OK OK OK OK OK OK OK                          OK OK OK OK OK OK OK OK OK OK OK                            OK OK OK OK OK OK OK OK OK OK

Month Experian 

Equifax TransUnion 

 

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 8 of 10 Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

FED LOAN SERV    

Current

   Account Name FED LOAN SERV    FED LOAN SERVICING    FEDLOAN

Account # 4622018935FD0XXXX    4622018935FD0XXXX    4622018935FD0XXXXAccount Type Education Loan    Installment    Installment account

717-720-1985 Balance $200.00    $2,821.00    $2,821.00

PO BOX 69184HARRISBURG, PA 17106

Past Due    $0.00    $0.00Date Opened 6/1/2011    6/1/2011    6/6/2011

Account Status Open    Open    OpenMo. Payment        

Payment Status Current    Pays account as agreed    Paid or paying as agreedHigh Balance    $2,821.00    $2,821.00

Limit        Terms Unknown        

CommentsStudent loan - payment deferred  

 STUDENT LOAN - PAYMENT DEFERRED

   Payment deferred

  2010 2011 2012MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR

                            OK OK OK OK OK OK OK OK OK OK                          OK OK OK OK OK OK OK OK OK OK OK                            OK OK OK OK OK OK OK OK OK OK

Month Experian 

Equifax TransUnion 

FIRST PREMIER BANK    

Current

   Account Name FIRST PREMIER BANK    FIRST PREMIER    FST PREMIER

Account # 517800632505XXXX    517800632505XXXX    51780063XXXXAccount Type Credit Card    Revolving or Option    Revolving account

605-357-3440 Balance $233.00    $233.00    $233.00

601 S MINNESOTA AVESIOUX FALLS, SD 57104

Past Due        $0.00Date Opened 11/1/2010    11/1/2010    11/16/2010

Account Status Open    Open    OpenMo. Payment $30.00    $30.00    $30.00

Payment Status Current    Pays account as agreed    Paid or paying as agreedHigh Balance $319.00        $319.00

Limit $300.00    $300.00    $300.00Terms Revolving        Minimum

Comments 

 CREDIT CARD   

  2010 2011 2012JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY

          OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK          OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK          OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Month Experian 

Equifax TransUnion 

 

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 9 of 10 Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

VECTRA BANK COLORADO    

Current

   Account Name VECTRA BANK COLORADO    VECTRA BANK    

Account # 1301442000400XXXX    1301442000400XXXX    Account Type Auto Loan    Installment    

303-782-7500 Balance $0.00    $0.00    

1650 S COLORADO BLVDDENVER, CO 80222

Past Due $0.00        Date Opened 7/1/1998    7/1/1998    

Account Status Closed    Open    Mo. Payment    $280.00    

Payment Status Paid satisfactorily    Pays account as agreed    High Balance    $13,598.00    

Limit        Terms 60 Months        

Comments Credit line closed-consumer request-reported by subscriber

       

  2001 2002 2003AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JULOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

                                               

Month Experian 

Equifax TransUnion 

CITI AUTO    

Current Closed

   Account Name CITI AUTO    CITIFINANCIAL AUTO    CITI AUTO

Account # 431991XXXX    431991XXXX    431991XXXXAccount Type Auto Loan    Installment    Installment account

800-486-1750 Balance    $0.00    $0.00

2208 HIGHWAY 121 STE 100BEDFORD, TX 76021

Past Due        $0.00Date Opened 1/1/2008    1/1/2008    1/1/2008

Account Status Closed    Closed    ClosedMo. Payment    $334.00    $334.00

Payment Status Paid, was past due 180 days or more   Pays account as agreed    Paid or paying as agreedHigh Balance    $17,040.00    $17,040.00

Limit        Terms 72 Months        72 Months

Comments 

 PAID ACCOUNT / ZERO BALANCEAUTO

   Closed

  2008 2009 2010MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB

                OK OK OK OK OK OK OK OK OK OK 30 60 120 120 120 120                OK OK OK OK OK OK OK OK OK 30 60 90 120 120 120 120

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 90 120 120 120

Month Experian 

Equifax TransUnion 

 

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 10 of 10 Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

Payment History Legend

 

OK Current 30 30 Days Late KD Key Derogatory**

ND No Data* 60 60 Days Late RF Repossession or Foreclosure

90 90 Days Late PP Payment Plan

120 120 Days Late

 

*Sometimes the credit bureaus do not have information from a particular month on file.** For additional information on Key Derogatory, please see your Credit Report Guide.

Account Status Legend

 

Current Current Closed Unknown

Potentially Negative Potentially Negative Closed

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page Legend Credit Score

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.

About your PLUS Score: Your PLUS Score is formulated using the information in your credit file. Your PLUS Score can range between 330 and 830, with a higher score indicating a lower risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose: to summarize your creditworthiness. Keep in mind that your score is just one factor used in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan.

 

What this means to you: Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. While lenders may use different scoring models to determine how you score, and each major credit bureau has its own method for calculating credit scores, the scoring models have been fairly well standardized so that a score at one bureau is roughly equivalent to the same score at another.

 DISCLAMER

The PLUS ScoreSM, developed by Experian, is not an endorsement or guarantee of your credit worthiness as seen by lenders. The different risk levels presented here are for educational use only. Your PLUS Score can help you understand what factors impact your credit score.

Please be aware that there are many scoring models used in the marketplace, and each lender´s scoring model has its own set of factors. How each lender weighs their chosen factors may vary, but the exact formula used to calculate your score is proprietary. In general, the higher your score, the better your chances are of obtaining favorable rates and terms.

Your PLUS Score was calculated using your actual data from your credit file on the day that you requested your report, making it comparable to most scoring models in the industry. Keep in mind however that other factors, such as length of employment and annual salary, are often taken into consideration by lenders when making decisions about you.

Also note that each bureau has its own set of data, resulting in a separate PLUS Score for each of your credit files.

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.

   

566 548   521         

Poor

 

 

Your Experian PLUS Score ExplanationPercentile: Your credit rating ranks higher than 11.39% of U.S. consumers.

What factors RAISE you PLUS Score:

● Credit cards are considered "maxed-out" when you have spent 90% or more of the credit limit. Lenders view you as someone who uses their credit responsibly and spends only what they can afford.

● Credit Cards allow you to both spend money and decrease debt; unlike mortgages or installment loans where you only decrease debt. Lenders like to see multiple credit cards on your credit report, because they are able to use them to better determine your ability to manage your spending.

● You do not have any Public Records (i.e. bankruptcies, tax liens, and court judgments) on your credit report. Lenders see these issues as major barriers to extending additional credit.

What factors LOWER you PLUS Score:

● Missing payments is the most damaging thing you can do to your credit. The purpose of a credit score is to help lenders predict whether or not you will miss payments in the future, so even a single missed payment can significantly lower your score.

● You have spent more than half of the credit that has been extended to you, and lenders see this as a sign of irresponsible credit behavior. Ideally, you would pay off your balances every month or at least keep your credit-to-debt ratio under 15%.

● Lenders understand that it is much easier to manage a small amount of credit vs. a large amount of credit. Your relatively low credit limits signal to lenders that you have not had experience managing large amounts of credit, which makes them worried about extending more credit to you.

● Lenders recognize that obtaining and maintaining a mortgage requires more skill and discipline than other account types. People who have mortgages and pay them on time see an increase in their credit worthiness.

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 1 of 3

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.

   

566 548   521         

 

Very Poor

 

 

Your EquiFax PLUS Score ExplanationPercentile: Your credit rating ranks higher than 6.27% of U.S. consumers.

What factors RAISE you PLUS Score:

● Credit cards are considered "maxed-out" when you have spent 90% or more of the credit limit. Lenders view you as someone who uses their credit responsibly and spends only what they can afford.

● Credit Cards allow you to both spend money and decrease debt; unlike mortgages or installment loans where you only decrease debt. Lenders like to see multiple credit cards on your credit report, because they are able to use them to better determine your ability to manage your spending.

● You do not have any Public Records (i.e. bankruptcies, tax liens, and court judgments) on your credit report. Lenders see these issues as major barriers to extending additional credit.

What factors LOWER you PLUS Score:

● Missing payments is the most damaging thing you can do to your credit. The purpose of a credit score is to help lenders predict whether or not you will miss payments in the future, so even a single missed payment can significantly lower your score.

● You have spent more than half of the credit that has been extended to you, and lenders see this as a sign of irresponsible credit behavior. Ideally, you would pay off your balances every month or at least keep your credit-to-debt ratio under 15%.

● Lenders understand that it is much easier to manage a small amount of credit vs. a large amount of credit. Your relatively low credit limits signal to lenders that you have not had experience managing large amounts of credit, which makes them worried about extending more credit to you.

● Every time you apply for a loan, credit card, or retail card an inquiry is recorded on your credit report. Having a lot of inquiries on your credit report worries lenders, because it is a sign that you may use credit and loans to supplement your income, and might be spending beyond your means.

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 2 of 3

 

CHAD M MCQUARRIEReport As Of: 7/9/2012

Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.

   

566 548   521         

 

Very Poor

 

Your TransUnion PLUS Score ExplanationPercentile: Your credit rating ranks higher than 2.26% of U.S. consumers.

What factors RAISE you PLUS Score:

● Credit cards are considered "maxed-out" when you have spent 90% or more of the credit limit. Lenders view you as someone who uses their credit responsibly and spends only what they can afford.

● Credit Cards allow you to both spend money and decrease debt; unlike mortgages or installment loans where you only decrease debt. Lenders like to see multiple credit cards on your credit report, because they are able to use them to better determine your ability to manage your spending.

● You do not have any Public Records (i.e. bankruptcies, tax liens, and court judgments) on your credit report. Lenders see these issues as major barriers to extending additional credit.

What factors LOWER you PLUS Score:

● Missing payments is the most damaging thing you can do to your credit. The purpose of a credit score is to help lenders predict whether or not you will miss payments in the future, so even a single missed payment can significantly lower your score.

● While a short credit history does not mean that you have been irresponsible with your credit, it does make it more difficult for lenders to be confident in your ability to make future payments because you have not stood the test of time.

● You have spent more than half of the credit that has been extended to you, and lenders see this as a sign of irresponsible credit behavior. Ideally, you would pay off your balances every month or at least keep your credit-to-debt ratio under 15%.

● Lenders understand that it is much easier to manage a small amount of credit vs. a large amount of credit. Your relatively low credit limits signal to lenders that you have not had experience managing large amounts of credit, which makes them worried about extending more credit to you.

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 3 of 3