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This my (Bo Majors) 721 FICO score credit report from 2001. I started
at 570 in 1992.
Check bottom: GRAND TOTALS, I owed $131,252 with
a monthly payment total of 1745. 45% monthly debt to
income ratio is maxed out.
I would need to make at least 3800 GROSS
household income per month for new good credit.
What is a FICO
SCORE *721* 656
597
463
TOO MANY BANK OR NATIONAL REVOLVING ACCOUNTS /
proportion LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
PROPORTION OF BALANCES TO CREDIT LIMITS, TOO HIGH ON BANK/OTHER REVOLVING ACCTS
LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
SON ISSUED-68 yr STATE ISSUED-SC sis#
issued in south Carolina
last name, first name,2 SINCE 07/01/88 AD 11/06/01 FN-278 Women
might have alias here. Sometimes a name gets misspelled and ends
up here
"last inquired" address sate and zip ,TAPE RAPT 04/97 These
are the addresses I listed when I applied for credit at some
point.
previous address,zip,TAPE RAPT 06/01
previous address,CRT RAPT 10/96
BEDS-date of birth's-social security number
01 ES - HIJ Auto Sales 10/95 These
are the jobs i had when I applied for credit at some
point
02 EVE - DEF Office Sales 01/92
03 E2 - ABC woodworking 05/90
bankruptcy, public records,
liens judgment, collections, public records show up in this are. Non are on
this report
*SUM-04/87-01/02,PR/OI-NO,COLL-NO,FB-NO, ACCTS:28,HC$0-107K, 26-ONES, 2-OTHERS.
FIRM / IDENT CODE CS RPTD LIMIT HICR BAL $ DLA MR (30-60-90+)MAX/DEL
ECOA/ACCOUNT NUMBER OPND
P/DUE TERM 24 MONTH HISTORY
First Line:
Summary of all acounts and dates on this credit report.
SUM-04/87-01/02 shows beginning to today how many years i have had
credit.
PR/O1-NO shows no public records. it could say yes public records in last
7 years
COLL-NO reflects no collection accounts in past seven years of reported
credit
ACCT:28 number of reported lines of credit in past 7 years on this report
HC$0-107 = is showing a person with 107.000 for a high credit limit on one
of the accounts reported
26-ONES = accounts have a customer rating of 1 of a scale of 1 ONE to 9
NINE. ie: R1or I1
2-OTHERS = means 2 accounts have not been rated because other
Second Line:
Terms and recent credit with
each creditor
FIRM / IDENT CODE Company name and register number for
CS-
customers-current-payment-status-rating R1
R9 I1 I9
RPTD =
last time creditor reported on this account
LIMIT = Total approved high credit line
HICR
= the total amount of the high credit limit that i have borrowed on
that account
BALS $
= How much is owe right now on the account
DLA
= Date of the last activity
on this account
MR
= number of months this account has been open
(30-60-90+) MAX/DEL
= times this account has been
30 60 or 90 days late
Third Line
ECOA/ACCOUNT Type of account, individual, co signor, joint
OPENED
Month and Year account was opened
P/DUE in amount that is past due now
even one or two days.
TERM
Monthly payments obligation for this account
24
MONTH HISTORY
It will show the past 24 months and which payments were
more than 30 days late during that period
-------------------------------------------------------------------------------
BP/CITI *60....752 r1 01/02 600 --- 172 01/02 02
J/
08/90 --- 10
CREDIT CARD
bp citi credit card, acc# ri good, 01/02
date opened, 600 high credit limit
owe 172 now, last reported 01.02 and the account has been open
for 2 months.
two people sing joint account j, looks like this was
closed at one time because it show open in 08/90
but it shows open 2 months and has a 10 dollar per month
payment.
MBNA AMER *8.....19 R1 01/02 13300 --- 3528 12/01 13
I/ 09/99
--- 79
CREDIT CARD
AEDC CR UN*77......78 r1 01/02 --- 2000 1342 01/02 34
C/ 09/97
--- 50
LINE OF CREDIT
CHASE NA *458....71 R1 01/02 15300 --- 13565 01/02 10
I/
03/01 --- 271
CREDIT CARD
FUSA NA *45.....41 R1 01/02 10000 --- 4109 01/02 06
I/
07/01 --- 82
CREDIT CARD
CITIFINANC*8......53 R1 12/01 4500 --- 745 12/01 04
I/
07/01 --- 22
FUSA NA *45......1 R1 12/01 9500 --- 0 11/99 36
I/
12/98 --- ---
CREDIT CARD
TRV BNK *8......88 R1 12/01 6500 --- 0 05
S/
07/01 --- ---
CHARGE
FLEET CC *49.....1 R1 10/01 --- 1500 0 11/98 47
J/
11/97 --- ---
PAID ACCOUNT/ZERO BALANCE
ACCOUNT CLOSED BY CREDIT GRANTOR
BANKAMERIC*41.....28 R1 10/01 6000 --- 0 10/01 41
I/
0
5/98 --- ---
CREDIT CARD
FUSA NA *4......7 R1 02/00 --- 8500 0 09/98 27
A/
08/97 --- ---
ACCOUNT CLOSED BY CONSUMER
PAID ACCOUNT/ZERO BALANCE
FUSA BANK *1.....5 R1 02/00 --- 7000 0 10/99 26
S/
11/97 --- ---
ACCOUNT CLOSED BY CONSUMER
PAID ACCOUNT/ZERO BALANCE
FUSA NA *4.....17 R1 10/99 1500 --- 0 09/98 26
I/
08/97 --- ---
CREDIT CARD
DILLARD *90.....5 R1 07/99 0 --- 0 04/95 02
J/
02/92 --- ---
CREDIT CARD
DILLARD *9......5 R1 07/99 1000 --- 0 05/96 95
J/
06/91 --- ---
CREDIT CARD
FUSA NA *4......7 R1 09/98 8500 --- 0 09/98 13
A/
08/97 --- 15
CREDIT CARD
DILLARD 90.....5 R1 10/97 --- 373 0 04/95 39
J/
02/92 --- ---
CLOSED ACCOUNT
CITI *9......5 R1 06/96 2300 --- 0 02/96 99
A/
04/87 --- ---
ACCOUNT CLOSED BY CONSUMER
REVOLVING TOTALS
79000 19373 23461 Divide
23461 by 79000 and you get total debt to hicr ratio
--- 514
-------------------------------------
How to read, understand, improve and help
my credit report. Here are 4 real live credit reports with
explanations of each category and what they mean
Credit
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------------------------------------------
AEDC CR UN*7........8 I1 01/02 --- 9450 7665 01/02
C/72222221
02/01 --- 227
AUTO
REGIONS *7......8 I1 12/01 --- 1400 0 11/01 23
I/322222222702
01/00
--- 68
WELLS FARG*5.......8 I1 12/01 --- 107K 100K 12/01 52
J/6822222225 03/97
--- 984
REAL ESTATE MORTGAGE
WFFINANCE *7......2 I1 11/01 --- 493 226 11/01 12
I/872-59663168 10/00
--- 20
AEDC CR UN*7.......78 I1 03/98 --- 7300 0 01/98 04
C/72222201 10/97
--- 180
PAID ACCOUNT/ZERO BALANCE
AUTO
AEDC CR UN*77.......8 I1 10/97 --- 7000 0 08/97 03
C/72222203 06/97
--- 172
PAID ACCOUNT/ZERO BALANCE
AUTO
AEDC CR UN*77.......8 I1 08/96 --- 9400 0 08/96 04
C/72222201 03/96
--- 234
PAID ACCOUNT/ZERO BALANCE
AUTO
BANKAMERIC*77.......8 I1 10/93 --- 14190 0 10/93 62
J/222222222222220 07/88
--- 318
INSTALLMENT TOTALS --- 116943 107891
--- 1231
107 thousand dollars owe on a high credit limit of
116,000 and a
1231 dollars in monthly month payments
How to read, understand, improve and help my credit
report. Here are 4 real live credit reports with explanations of each
category and what they mean
-------------------------------------------------------------------------------
GRAND TOTALS 79000 136316 131352
--- 1745
grand totals for figuring debt to income ratio and
overall debt summary
79,000 dollars credit revolving total high credit limit 136,000 total
credit limit
131,000 owed on 136,000 allowed, with a 1745 per months total obligations.
the total monthly obligation is used for
DEBT TO INCOME RATIO.
Enter this total into your calculator then divide it by your GROSS income
per month.|
The debt to total provable monthly gross income should be less
than 45% in most cases.
-------------------------------------------------------------------------------
MBNA AMER *8.....19 11/01 --- --- --- 10/01
09/99
LOST OR STOLEN CARD
CREDIT CARD
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MBNA AMER *8.....19 06/01 --- --- --- 05/01
09/99
LOST OR STOLEN CARD
CREDIT CARD
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
Here are the entries for everyone who has pulled up your credit.
"Inquiries" If you have a pile of them, then that hurts your beacon score
at the rate of 2 points per entry.
*INQS-RELS 181ZB03708 01/14/02 PEOPLES BK 414BB15822 11/06/01
CITIFINANC 243FP256 07/20/01 FUSA, NA 458ON5704 07/07/01
LEND TREE 241FZ157 04/26/01 AEDC CR UN 772FC31 01/15/01
Here are phone numbers for every creditor and inquirer on your report.
This is what the bureaus use to verify your report is accurate
when you dispute a record. It is important to note that sometimes a business
goes belly up, or changes names, or location. If this is the case on a
poor credit entry, then you can have it removed because the business
can no longer prove the credit entry is correct.
Inquiries
* MEMBER # COMP. NAME TELEPHONE * MEMBER # COMP. NAME TELEPHONE
605BB56752 BP/CITI MAIL ONLY 801ON119 MBNA AMER MAIL ONLY
772FC31778 AEDC CR UN 615-4555441 458BB4171 CHASE NA 800-3565555
458ON2941 FUSA NA 302-5944000 801FP9653 CITIFINANC 931-4554534
801FP4688 TRV BNK 800-6351520 496ON291 FLEET CC 302-7914400
416BB1228 BANKAMERIC 800-7596262 496ON317 FUSA NA 800-9559900
155ON85 FUSA BANK 800-9558010 906DC755 DILLARD 800-6438278
906BB115 CITI MAIL ONLY 772BB148 REGIONS 615-9671467
558FM1508 WELLS FARG 800-2625294 772FP482 WFFINANCE 615-3934717
772BB12218 BANKAMERIC MAIL ONLY 414BB15822 PEOPLES BK 203-3383114
243FP256 CITIFINANC MAIL ONLY 458ON5704 FUSA, NA 800-6777101
241FZ157 LEND TREE 704-5415351
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