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These are all the headings on your credit report and what they
mean. |
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FIRM / IDENT CODE Company
name and register number for IN BOLD BELOW
the legal and
registered name of the company registered with this bureaus credit report
long with the official account number used by the bureau and sometimes
your actual account credit number.
Finance people look at the type, total number and multiples for the
same company. A creditor may say the applyie has 3 accounts but, they are
all from mr local banker of amercian, and suggest limited credit file. So
it is good to have 3 different types of accounts. Like a major gas card, a
major credit card and a home loan or car loan from a major car or home
company.
Mainly local finance company debt suggest
limited credit or possible income problems to some creditors.
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BP/CITI *60....752 r1 01/02 600 --- 172 01/02 02
J/
08/90 --- 10
CREDIT CARD
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
--- 514
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FIRM IDENT COD creditor account number FIRM IDENT CODE. The name and register number for creditor reporting information to Exquifax, Transuion, Experian or all three
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INSTALLMENT LOANS
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 a Credit Report with beacon credit score
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GRAND TOTALS
79000 136316 131352
revolving / installment / balance now
--- 1745
FIRM IDENT COD creditor
account number FIRM IDENT CODE. The name and register number for creditor
reporting information to Exquifax, Transuion, Experian or all three
FIRM / IDENT CODE Company
name and register number for IN BOLD
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