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Credit Report Prepared For:

CARMELLA M DICKERSON
Report as Of: 12/5/2014

Personal & Confidential


Please Keep in a safe place for your records.

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Table of Contents

Personal Information _____________________________________________________________________

Report Summary ________________________________________________________________________

Bankruptcy & Court Judgments ____________________________________________________________

Credit Inquires __________________________________________________________________________

Credit Cards, Loans & Other Debt ___________________________________________________________

Credit Score ___________________________________________________________________________

14

Experian ____________________________________________________________________________

15

Equifax ______________________________________________________________________________

16

Transunion ___________________________________________________________________________

17

CreditReport.com | A Part of Experian

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Personal Information
Here 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
(Also Known As) AKA
Year of Birth
Address(es)

Current Employer
Previous Employer

CARMELLA DICKERSON

CARMELLA M DICKERSON

CARMELLA MONIQUE DICKERSON

1990
842 RIVERBIRCH DR # 203,
CHARLOTTE, NC 28210

1990
8425 RIVERBIRCH DR APT 203,
CHARLOTTE, NC 28210

1990

8425 RIVERBIRCH DR APT 203,


CHARLOTTE, NC 28210-6070

1227 NE MILES RD, BLYTHEWOOD,


SC 29016

1227 NE MILES RD, BLYTHEWOOD,


SC 29016-8103

842 RIVERBIRCH DR 203,


CHARLOTTE, NC 28210

TELEPERFORMANCE

TELEPERFORMANCE
TELEPERFORMANCE
CAREPRO

TARGET DISTRIBUTION CENTE

8425 RIVERBIRCH DR 203,


CHARLOTTE, NC 28210
1227 MILES RD, BLYTHEWOOD, SC
29016

Personal Statement

Your Experian Statement:


06& 10-24-14 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN
USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME
PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING . THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN
YEARS BEGINNING 10- 24- 14.

Your Equifax Statement:


FRAUD VICTIM. "EXTENDED ALERT". CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CONSUMER DID NOT
PROVIDE ADDITIONAL INFORMATION.

Your Transunion Statement:


OUNT

Personal Information Page 1 of 1

Report Summary

Bankruptcies

Credit Inquires

Credit Cards & Loans

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

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

Summary

Accounts Listed Negative


Collections Accounts
Real Estate Debt
Installment Debt
Revolving Debt
% Revolving Credit Available

Personal Information

1
1
$0.00
$32,764.00
$0.00
100%

Report Summary Page 1 of 1

Bankruptcies

1
1
$0.00
$32,764.00
$0.00
100%

Credit Inquires

0
0
$0.00
$33,826.00
$0.00
100%

Credit Cards & Loans

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Bankruptcy & Court Judgments


Here 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.

Personal Information

Report Summary

No History

Bankruptcies Page 1 of 1

No History

Credit Inquires

No History

Credit Cards & Loans

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Inquiries
Here 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.

FINGERHUT/WEBBANK
Business Name
Inquiry Date
Business Type

FINGERHUT/WEBBANK
12/2/2014

FINGERHUT/WEBBANK
12/2/2014

Finance Companies - non specific

Mail Order Firms

WEBBNK/FHUT
12/2/2014
Department, variety, local, regional,
and national chains

800-356-2347
6509 FLYING CLOUD DR
EDEN PRAIRIE, MN 55344

SAFE FEDERAL CREDIT


Business Name
Inquiry Date
Business Type

SAFE FEDERAL CREDIT


11/28/2014
Credit Unions

803-469-8600
WESMARK BLVD EXT
SUMTER, SC 29150-0000

WFB AUTO
Business Name
Inquiry Date
Business Type

WFB AUTO
11/28/2014
Automotive

800-559-3557
PO BOX 29704
Phoenix, AZ 85038

RFC 651
Business Name
Inquiry Date
Business Type

RFC 651
5/5/2014
Personal Loans Cos.

864-422-8011
4401 EAST INDEPENDENCE BLVD.
STE. 102
CHARLOTTE, NC 28205

Personal Information

Report Summary

Bankruptcies

Credit Inquires Page 1 of 5

Credit Cards & Loans

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Inquiries
Here 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.

SAFE FEDERAL CREDIT


Business Name
Inquiry Date
Business Type

SAFE FEDERAL CREDIT


5/3/2014
Credit Unions

803-469-8600
WESMARK BLVD EXT
SUMTER, SC 29150-0000

TIME WARNER CABLE-CH


Business Name
Inquiry Date
Business Type

TIME WARNER CABLE-CH


3/1/2014
Miscellaneous Utilities

Business Name
Inquiry Date
Business Type

ALLY FINANCIAL
12/2/2013
Auto Financing

Business Name
Inquiry Date
Business Type

ALLY FINANCIAL
11/30/2013
Auto Financing

No Phone Provided
3140 WEST ARROWOOD RD
CHARLOTTE, NC 28273

ALLY FINANCIAL

800-200-4622
P.O BOX 380901
BLOOMINGTON, MN 55438

ALLY FINANCIAL

800-200-4622
P.O BOX 380901
BLOOMINGTON, MN 55438

Personal Information

Report Summary

Bankruptcies

Credit Inquires Page 2 of 5

Credit Cards & Loans

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Inquiries
Here 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.

GALEANA CHRYSLER JEE


Business Name
Inquiry Date
Business Type

GALEANA CHRYSLER JEE


11/30/2013
Automobile Dealers, New

803-779-7300
180 GREYSTONE BLVD
COLUMBIA, SC 29210-8015

JPMORGAN CHASE BANK


Business Name
Inquiry Date
Business Type

JPMORGAN CHASE BANK


11/30/2013
All Banks

800-999-6564
4915 INDEPENDENCE PARKWAY
TAMPA, FL 33634

JPMORGAN CHASE BANK


Business Name
Inquiry Date
Business Type

JPMORGAN CHASE BANK


11/30/2013
All Banks

800-336-6675
201 N. CENTRAL AVE, FLOOR 19
INTERNAL MAIL CODE: AZ1-1208
PHOENIX, AZ 85004

WELLS FARGO DEALER S


Business Name
Inquiry Date
Business Type

WELLS FARGO DEALER S


11/30/2013
Auto Financing

No Phone Provided
E2718-034 //23 PASTEUR
27XHRA816467001PT(167)
IRVINE, CA 92618

Personal Information

Report Summary

Bankruptcies

Credit Inquires Page 3 of 5

Credit Cards & Loans

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Inquiries
Here 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.

WILSON CHRYSLER PLY


Business Name
Inquiry Date
Business Type

WILSON CHRYSLER PLY


11/30/2013
Automobile Dealers, New

830-635-4923
238 SOUTH CONGRESS STREET
WINNSBORO, SC 29180

DODGELAND OF COLUMBI
Business Name
Inquiry Date
Business Type

DODGELAND OF COLUMBI
8/10/2013
Automobile Dealers, New

Business Name
Inquiry Date
Business Type

ALL SOUTH FEDERAL CU


5/16/2013
Credit Unions

803-799-1900
190 GREYSTONE BLVD
COLUMBIA, SC 29210

ALL SOUTH FEDERAL CU

803-736-3110
6923 TRENHOLM RD
COLUMBIA, SC 29206

T-MOBILE
Business Name
Inquiry Date
Business Type

T-MOBILE
5/10/2013
Utilities and fuel

800-318-9270
12920 SE 38TH STRE
BELLEVUE, WA 98006

Personal Information

Report Summary

Bankruptcies

Credit Inquires Page 4 of 5

Credit Cards & Loans

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Inquiries
Here 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.

SAFE FEDERAL CREDIT


Business Name
Inquiry Date
Business Type

SAFE FEDERAL CREDIT


4/9/2013
Credit Unions

803-469-8600
WESMARK BLVD EXT
SUMTER, SC 29150-0000

Personal Information

Report Summary

Bankruptcies

Credit Inquires Page 5 of 5

Credit Cards & Loans

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Cards, Loans & Other Debt


Here 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.

SYNCB/BELK
Potentially Negative
800-669-6550
PO BOX 965028
ORLANDO, FL 32896

Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

SYNCB/BELK
604583152185XXXX
Charge Account

12/1/2008
Closed
Charge-off
$300.00
Revolving
Transferred to another lender or
claim purchased

SYNCB/BELK
60458315XXXX
Revolving or Option
$0.00
$0.00
12/1/2008
Closed

SYNCB/BELK
60458315XXXX
Revolving account
$0.00
$0.00
12/1/2008
Open

Bad debt & placed for collection &


skip

Payment after charge off / collection

$300.00

$174.00
$0.00

CONSUMER DISPUTES REINVESTIGATION IN PROGRESS

Purchased by another lender

2012
2013
2014
Month NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT
KD
KD KD KD KD KD KD KD KD OK
Experian KD
KD
KD KD KD KD KD KD KD KD OK OK OK OK
OK OK OK OK OK OK OK OK OK OK
Equifax KD
TransUnion

DBA PARAGON REVENUE GR


Potentially Negative Closed

800-868-1899
PO BOX 126
CONCORD, NC 28026

Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status

High Balance
Limit
Terms
Comments

DBA PARAGON REVENUE GR


1590XXXX
Collection Department / Agency /
Attorney
$624.00
$624.00
12/1/2013
Closed
Seriously past due date / assigned to
attorney, collection agency, or credit
grantor's internal collection
department

1590XXXX
Collection Account
$624.00
12/1/2013
Closed

Unpaid

1 Month
Credit line closed-consumer requestreported by subscriber

CONSUMER DISPUTES REINVESTIGATION IN PROGRESS


MEDICAL
Unpaid

2012
2013
2014
Month NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT
KD ND ND KD ND ND ND ND KD
Experian
Equifax
TransUnion

Personal Information

Report Summary

Bankruptcies

Credit Inquires

Credit Cards & Loans Page 1 of 5

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Cards, Loans & Other Debt


Here 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.

CAPITAL ONE AUTO FINAN


Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

Current
No Phone Provided
3901 DALLAS PKWY
PLANO, TX 75093

CAPITAL ONE AUTO FINAN


6206217617720XXXX
Auto Loan
$10,455.00

CAPITAL ONE AUTO FIN


6206217617720XXXX
Installment
$10,455.00

3/1/2011
Open
$435.00
Current

3/1/2011
Open
$435.00
Pays account as agreed
$17,208.00

73 Months

CAP ONE AUTO


6206217617720XXXX
Installment account
$10,455.00
$0.00
3/10/2011
Open
$435.00
Paid or paying as agreed
$17,208.00
73 Months

AUTO

2012
2013
Month OCT NOV DEC JAN FEB MAR APR MAY
OK OK
OK OK OK OK OK
Experian OK
OK OK
OK OK OK OK OK
Equifax OK
OK OK
OK OK OK OK OK
TransUnion OK

JUN
OK
OK
OK

JUL
OK
OK
OK

AUG
OK
OK
OK

SEP OCT NOV


OK OK OK
OK OK OK
OK OK OK

2014
DEC JAN FEB MAR APR
OK OK OK OK OK
OK OK OK OK OK
OK OK OK OK OK

MAY
OK
OK
OK

JUN
OK
OK
OK

JUL
OK
OK
OK

AUG
OK
OK
OK

SEP
OK
OK
OK

CHRYSLER CAPITAL
Current
800-423-7712
PO BOX 961275
FORT WORTH, TX 76161

Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

CHRYSLER CAPITAL
3000016483941XXXX
Auto Loan
$22,309.00

CHRYSLER CAPITAL
3000016483941XXXX
Installment
$22,309.00

11/1/2013
Open
$443.00
Current

11/1/2013
Open
$443.00
Pays account as agreed
$23,589.00

73 Months

73 Months
AUTO

2012
2013
Month NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV
Experian
OK
Equifax
TransUnion

Personal Information

Report Summary

CHRYSLERCAP
3000016483941XXXX
Installment account
$22,309.00
$0.00
11/30/2013
Open
$443.00
Paid or paying as agreed
$23,589.00

Bankruptcies

DEC
OK
OK
OK

Credit Inquires

2014
JAN FEB MAR APR MAY
OK OK OK OK OK
OK OK OK OK OK
OK OK OK OK OK

JUN
OK
OK
OK

Credit Cards & Loans Page 2 of 5

JUL AUG SEP OCT


OK OK OK OK
OK OK OK OK
ND OK OK OK

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Cards, Loans & Other Debt


Here 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.

SC STUDENT LOAN CORP


Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

Current
803-772-9480
PO BOX 21487
COLUMBIA, SC 29221

SC STUDENT LOAN CORP


10131XXXX
Education Loan
$1,062.00

SOUTH CAROLINA STUDE


10131XXXX
Installment
$1,062.00
$0.00
9/1/2008
Open

9/1/2008
Open
$50.00
Current

Pays account as agreed


$1,000.00

118 Months

118 Months

Student loan - payment deferred

2012
2013
Month NOV DEC JAN FEB MAR APR MAY
OK OK OK OK OK
Experian OK OK
OK OK OK OK OK
Equifax OK OK
OK OK OK OK OK
TransUnion OK OK

JUN
OK
OK
OK

SC STUDNTLN
10131XXXX
Installment account
$1,062.00
$0.00
9/15/2008
Open
$0.00
Paid or paying as agreed
$1,000.00

STUDENT LOAN - PAYMENT


DEFERRED

JUL AUG SEP OCT NOV


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

DEC
OK
OK
OK

2014
JAN FEB MAR APR MAY
OK OK OK OK OK
OK OK OK OK OK
OK OK OK OK OK

JUN
OK
OK
OK

JUL AUG SEP OCT


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

US DEPT OF ED/GLELSI
Current
No Phone Provided
PO BOX 7860
MADISON, WI 53707

Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

US DEPT OF ED/GLELSI
427279XXXX
Education Loan
$27,839.00
11/1/2011
Open
Current

Report Summary

USDOE/GLELSI
427279XXXX
Installment account
$27,839.00
$0.00
11/23/2011
Open

Pays account as agreed


$27,839.00

Paid or paying as agreed


$27,839.00

STUDENT LOAN - PAYMENT


DEFERRED

Payment deferred

Unknown
Student loan - payment deferred

2012
2013
Month OCT NOV DEC JAN FEB MAR APR MAY
OK OK
OK OK OK OK ND
Experian OK
OK OK
OK OK OK OK OK
Equifax OK
OK OK
OK OK OK OK ND
TransUnion OK

Personal Information

US DEPT. OF EDUCATIO
427279XXXX
Installment
$27,839.00
$0.00
11/1/2011
Open

JUN
ND
OK
ND

Bankruptcies

JUL
ND
OK
ND

AUG SEP OCT NOV


ND ND ND ND
OK OK OK OK
ND ND ND ND

Credit Inquires

2014
DEC JAN FEB MAR APR
ND
ND ND OK ND
OK OK OK OK OK
ND
ND ND OK ND

MAY
ND
OK
ND

Credit Cards & Loans Page 3 of 5

JUN
ND
OK
ND

JUL AUG SEP


ND ND ND
OK OK OK
ND ND ND

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Cards, Loans & Other Debt


Here 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.

AMER CR ACPT
Current Closed
866-544-3430
961 E MAIN ST
2ND FLOOR
SPARTANBURG, SC 29302

Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

AMERICAN CREDIT ACCE


4720010109553XXXX
Installment
$0.00
2/1/2011
Closed
$410.00
Pays account as agreed
$11,730.00

AMER CR ACPT
4720010109553XXXX
Installment account
$0.00
$0.00
2/26/2011
Closed
$410.00
Unrated or bankruptcy
$11,730.00
49 X

PAID ACCOUNT / ZERO BALANCE


AUTO

Closed

2010
2011
2012
Month MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
Experian
OK OK OK OK OK OK OK OK OK OK OK
OK OK OK OK
Equifax
TransUnion

AMERICAN CREDIT ACCEPT


Current Closed
866-441-0251
961 E MAIN ST
SPARTANBURG, SC 29302

Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

AMERICAN CREDIT ACCEPT


4720010109553XXXX
Auto Loan

2/1/2011
Closed
Paid, zero balance

49 Months

2009
2010
2011
Month APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR
OK
Experian
Equifax
TransUnion

Personal Information

Report Summary

Bankruptcies

Credit Inquires

Credit Cards & Loans Page 4 of 5

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Cards, Loans & Other Debt


Here 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.

SANTANDER CONSUMER USA


Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

Current Closed
866-923-9282
PO BOX 961245
FT WORTH, TX 76161

2011 2012
Month DEC JAN FEB MAR APR
OK OK
Experian
OK OK
Equifax
OK OK
TransUnion

MAY
OK
OK
OK

SANTANDER CONSUMER USA


3000010909205XXXX
Auto Loan

SANTANDER CONSUMER U
3000010909205XXXX
Installment
$0.00

3/1/2012
Closed

3/1/2012
Closed
$296.00
Pays account as agreed
$8,838.00

Paid satisfactorily

48 Months

48 Months
PAID ACCOUNT / ZERO BALANCE
AUTO

JUN
OK
OK
OK

JUL
OK
OK
OK

AUG
OK
OK
OK

SANTANDER
3000010909205XXXX
Installment account
$0.00
$0.00
3/1/2012
Closed
$296.00
Paid or paying as agreed
$8,838.00

SEP OCT NOV


OK ND OK
OK OK OK
OK OK OK

DEC
OK
OK
OK

2013
JAN FEB MAR APR MAY
OK OK OK OK OK
OK OK OK OK OK
OK OK OK OK OK

Closed

JUN
OK
OK
OK

JUL
OK
OK
OK

AUG
OK
OK
OK

SEP OCT NOV


OK OK OK
OK OK OK
OK OK OK

Payment History Legend

OK Current

30

30 Days Late

KD Key Derogatory**

ND No Data*

60

60 Days Late

RF

90

90 Days Late

PP Payment Plan

Repossession or Foreclosure

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

Potentially Negative

Potentially Negative Closed

Personal Information

Report Summary

Bankruptcies

Unknown

Credit Inquires

Credit Cards & Loans Page 5 of 5

Credit Score

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Score
Your 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 lenders 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.

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Score
Your 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.

609

596

709

Poor

Your Experian PLUS Score Explanation


Percentile: Your credit rating ranks higher than 24.36% of U.S. consumers.
What factors RAISE you PLUS Score:

What factors LOWER you PLUS Score:

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.

Personal Information

Report Summary

Bankruptcies

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.

Without any open credit cards, it is difficult for lenders to predict


whether or not you know how to use credit responsibly (i.e. paying your
bills on time and keeping your balances low).

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.

Credit Inquires

Credit Cards & Loans

Credit Score Page 1 of 3

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Score
Your 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.

609

596

709
Poor

Your EquiFax PLUS Score Explanation


Percentile: Your credit rating ranks higher than 21.00% of U.S. consumers.
What factors RAISE you PLUS Score:

What factors LOWER you PLUS Score:

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.

Personal Information

Report Summary

Bankruptcies

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.

Without any open credit cards, it is difficult for lenders to predict


whether or not you know how to use credit responsibly (i.e. paying your
bills on time and keeping your balances low).

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.

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.

Credit Inquires

Credit Cards & Loans

Credit Score Page 2 of 3

CARMELLA M DICKERSON
Report As Of: 12/5/2014

Credit Score
Your 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.

609

596

709
Good

Your TransUnion PLUS Score Explanation


Percentile: Your credit rating ranks higher than 43.61% of U.S. consumers.
What factors RAISE you PLUS Score:

What factors LOWER you PLUS Score:

You have done a great job at making all of your payments on time. The
purpose of a credit score is to help lenders predict whether or not you
will miss payments in the future, so keeping your record clean is a
very positive factor.

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.

Personal Information

Report Summary

Bankruptcies

Without any open credit cards, it is difficult for lenders to predict


whether or not you know how to use credit responsibly (i.e. paying your
bills on time and keeping your balances low).

Installment loans usually carry large fixed monthly payments. Having


three or more installment loans tells lenders that you already have
committed to some large monthly payments and that you might not be
able to take on any additional debt.

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.

Credit Inquires

Credit Cards & Loans

Credit Score Page 3 of 3