Score Power® as of March 20, 2008

Name:	Melissa Carson
Confirmation Number:	123456789
This Score Power® , including your Equifax Credit Report ™ and FICO® score analysis, is available for you to view until 04/20/2008 . If you would like a current Score Power, you may order another one in the Member Center.

Section Title	Section Description
1. Credit Score	Summary, Understanding Your Score, Helping Your Score, Hurting Your Score, How Lenders See You
2. Credit Report	Personal, Credit, Account, Inquiry, Public and Dispute Information

CREDIT SCORE

Section Title	Section Description
1. Credit Score Summary	Summary of how your score rates
2. Understanding Your Score	Summary of factors that are affecting your score
3. Helping Your Score	Detailed information of factors helping your score
4. Hurting Your Score	Detailed information of factors hurting your score
5. How Lenders See You	The bottom line on how lenders may view your credit risk

Credit Score Summary

Factors Affecting Your Score

Your Equifax FICO® score is based on the information in your Equifax Credit Report ™ . Below are factors in your credit report that are hurting or helping your score.

Amount of Debt Your total amount of outstanding debt.	Amount of New Credit Amount of credit you've recently obtained or applied for.
Payment History Your history of paying bills on time.	Length of Credit History How long you've had credit.

Understanding Your Score

Here are the top factors hurting and helping your score. The factors are listed from highest to lowest impact to your score.

What's Hurting Your Score? Few accts. paid on time No credit card activity Short account history

vs

What's Helping Your Score? No missed payments Not seeking credit Few new accounts

Hurting Your Score

Helping Your Score

How Lenders See You

The Bottom Line

A FICO^® score of 704 is a little below average. Keep in mind, however, that many lenders consider scores in this range as acceptable. Based on your score alone, you might expect the following:

• A wide array of loans and credit products will likely be available to you.
• Most lenders will consider offering you very competitive rates and terms on loans.
• Some lenders may require additional information, such as income or time at job, to help them more accurately set the terms of your loan.

See More Information in Understanding Your Score Section

The FICO® score is calculated based on the information contained in your Equifax credit history. While knowing your actual score is a good start, understanding the key factors affecting your FICO® score is much more important. These factors will provide you direction on how future changes in your credit behavior might affect your FICO® score over time. Remember that there are no quick fixes; accurate and timely information on your credit report cannot be removed in order to change your score. Only by maintaining your credit behavior over time can you positively affect your creditworthiness.

CREDIT REPORT

Section Title	Section Description
1. Credit Summary	Summary of account activity
2. Account Information	Detailed account information
3. Inquiries	Companies that have requested or viewed your credit information
4. Negative Information	Bankruptcies, liens, garnishments and other judgments
5. Personal Information	Personal data, addresses, employment history
6. Dispute File Information	How to dispute information found on this credit report

Credit Summary

Your Equifax Credit Summary highlights the information in your credit file that is most important in determining your credit standing by distilling key credit information into one easy-to-read summary.

Accounts

Lenders usually take a positive view of individuals with a range of credit accounts - car loan, credit cards, mortgage, etc. - that have a record of timely payments. However, a high debt to credit ratio on certain types of revolving (credit card) accounts and installment loans will typically have a negative impact.

Open Accounts	Total Number	Balance	Available	Credit Limit	Debt to Credit Ratio	Monthly Payment Amount	Accounts with a Balance
Mortgage	2	$253,433	$0	$56,250	451%	$1,825	2
Installment	1	$17,087	N/A	$19,843	86%	$377	1
Revolving	3	$0	$21,400	$21,400	0%	$0	0
Other	0	$0	N/A	N/A	N/A	$0	0
Total	6	$270,520	$21,400	$97,493	277%	$2,202	3

           Debt by Account Type             Debt to Credit Ratio by Account Type

NOTE: Total may not equal 100% due to rounding

Account Age

Usually, it is a good idea to keep your oldest credit account open, as a high average account age generally demonstrates stability to lenders. Also, especially if you have been managing credit for a short time, opening many new accounts will lower your average account age and may have a negative impact.

Length of Credit History	9 Years , 6 Months
Average Account Age	5 Years, 1 Months
Oldest Account	ABC LOANS  (Opened 09/1997)
Most Recent Account	XYZ INSTALLMENT LOANS  (Opened 04/2006)

Inquiries - Requests for your Credit History

Numerous inquires on your credit file for new credit may cause you to appear risky to lenders, so it is usually better to only seek new credit when you need it. Typically, lenders distinguish between inquiries for a single loan and many new loans in part by the length of time over which the inquiries occur. So, when rate shopping for a loan it's a good idea to do it within a focused period of time.

Inquiries in the Last 2 Years	3
Most Recent Inquiry	123 UTILITY  (03/05/07)

Potentially Negative Information

Late payments, collections and public records can have a negative impact on your credit standing. The more severe and recent they are, the more negative the potential impact might be.

Public Records	3
Negative Accounts	2
Collections	1

Mortgage Accounts

Mortgage accounts include first mortgages, home equity loans, and any other loans secured by real estate you own.

Open Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
123 Mortgage Company	642889XXXX	12/2003	$210,0 75	02/2007	$0	PAYS AS AGREED	$0
123 Mortgage Company 123 Sumter Rd Albany, NY-12201 (518) 555-8843 Account Number: 642889XXXX  Current Status: PAYS AS AGREED  Account Owner: Joint Account  High Credit: $225,000   Type of Account : Mortgage Credit Limit: $0   Term Duration: 360 Months  Terms Frequency: Monthly (due every month)  Date Opened: 2003/12  Balance: $210,075   Date Reported: 02/2007  Amount Past Due: $0  Date of Last Payment: 02/2007  Actual Payment Amount: $0   Scheduled Payment Amount: $1,475   Date of Last Activity: 01/2004  Date Major Delinquency First Reported:   Months Reviewed: 50  Creditor Classification:   Activity Description: N/A  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed:   Type of Loan: Conventional  Date of First Delinquency: N/A Comments: Freddie Mac Account   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2007 *                       2006 * * * * * * * * * * * * 2005 * * * * * * * * * * * * 2004 * * * * * * * * * * * * 2003                     * *
ABC HOME EQU ITY	745XXXX	12/2003	$43,35 8	01/2007	$0	PAYS AS AGREED	$56,25 0
ABC HOME EQUITY 123 Homewood Blvd Catskill, NY-12414 (518) 555-3367 Account Number: 745XXXX  Current Status: PAYS AS AGREED  Account Owner: Joint Account  High Credit: $56,250   Type of Account : Line of Credit Credit Limit: $56,250   Term Duration:   Terms Frequency: Monthly (due every month)  Date Opened: 2003/12  Balance: $43,358   Date Reported: 01/2007  Amount Past Due: $0  Date of Last Payment: 01/2007  Actual Payment Amount: $750   Scheduled Payment Amount: $350   Date of Last Activity: 01/2004  Date Major Delinquency First Reported:   Months Reviewed: 50  Creditor Classification:   Activity Description: N/A  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed:   Type of Loan: Home Equity Line of Credit  Date of First Delinquency: N/A Comments:   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2006 * * * * * * * * * * * * 2005 * * * * * * * * * * * * 2004 * * * * * * * * * * * * 2003                     * *

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Installment Accounts

Installment accounts are credit accounts in which the amount of the payment and the number of payments are predetermined or fixed, such as a car loan.

Open Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
XYZ INSTALLM ENT LOANS	33699568XX XX	04/2006	$17,08 7	01/2007	$0	PAYS AS AGREED	$0
XYZ INSTALLMENT LOANS 123 Kendall Rd Birmingham, AL-35204 (205) 555-3345 Account Number: 33699568XXXX  Current Status: PAYS AS AGREED  Account Owner: Individual Account  High Credit: $19,843   Type of Account : Installment Credit Limit: $0   Term Duration: 999 Months  Terms Frequency: Biweekly (due every 2 weeks)  Date Opened: 2006/04  Balance: $17,087   Date Reported: 01/2007  Amount Past Due: $0  Date of Last Payment: 01/2007  Actual Payment Amount: $174   Scheduled Payment Amount: $377   Date of Last Activity: 01/2007  Date Major Delinquency First Reported:   Months Reviewed: 9  Creditor Classification:   Activity Description: N/A  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed:   Type of Loan: Auto  Date of First Delinquency: N/A Comments:   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2006       * * * * * * * * *

Closed Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
123 LENDING CO	8433XXXX	10/1997	$0	02/2003	$0	PAYS AS AGREED	$0
123 LENDING CO 123 Tilly Mill Rd Atlanta, GA-30339 (770) 555-5578 Account Number: 8433XXXX  Current Status: PAYS AS AGREED  Account Owner: Individual Account  High Credit: $1,000   Type of Account : Installment Credit Limit: $0   Term Duration:   Terms Frequency:   Date Opened: 1997/10  Balance: $0   Date Reported: 02/2003  Amount Past Due: $0  Date of Last Payment:   Actual Payment Amount: $0   Scheduled Payment Amount: $50   Date of Last Activity: 02/2003  Date Major Delinquency First Reported:   Months Reviewed: 1  Creditor Classification:   Activity Description: N/A  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed:   Type of Loan:   Date of First Delinquency: N/A Comments: Closed or paid account zero balance, Student loan   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2003 *                       2002 * * * * * * * * * * * * 2001 * * * * * * * * * * * * 2000 * * * * * * * * * * * * 1999 * * * * * * * * * * * * 1998 * * * * * * * * * * * * 1997     * * * * * * * * * *
ABC Lending Co	422XXXX	09/2003	$0	04/2006	$0	PAYS AS AGREED	$0
ABC LENDING CO 123 Millbrook Ave Birmingham, AL-35201 (205) 555-5252 Account Number: 422XXXX  Current Status: PAYS AS AGREED  Account Owner: Joint Account  High Credit: $12,000   Type of Account : Installment Credit Limit: $0   Term Duration: 60 Months  Terms Frequency: Monthly (due every month)  Date Opened: 2003/09  Balance: $0   Date Reported: 04/2006  Amount Past Due: $0  Date of Last Payment: 04/2006  Actual Payment Amount: $330   Scheduled Payment Amount: $231   Date of Last Activity: 04/2006  Date Major Delinquency First Reported:   Months Reviewed: 31  Creditor Classification:   Activity Description: Paid and Closed  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed: 04/2006  Type of Loan: Auto  Date of First Delinquency: N/A Comments:   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2006 * * *                   2005 * * * * * * * * * * * * 2004 * * * * * * * * * * * * 2003 * * * * * * * * * * * * 2002 * * * * * * * * * * * * 2001 * * * * * * * * * * * * 2000         * * * * * * * *

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Revolving Accounts

Revolving accounts are charge accounts that have a credit limit and require a minimum payment each month, such as most credit cards.

Open Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
ABC BANKCARD	4332989861 00XXXX	12/1998	$0	01/2007	$0	PAYS AS AGREED	$8,800
ABC BANKCARD PO Box 123 Oklahoma City, OK-73101 (405) 555-8100 Account Number: 433298986100XXXX  Current Status: PAYS AS AGREED  Account Owner: Individual Account  High Credit: $5,021   Type of Account : Revolving Credit Limit: $8,800   Term Duration:   Terms Frequency: Monthly (due every month)  Date Opened: 1998/12  Balance: $0   Date Reported: 01/2007  Amount Past Due: $0  Date of Last Payment: 08/2005  Actual Payment Amount: $0   Scheduled Payment Amount: $0   Date of Last Activity: 08/2005  Date Major Delinquency First Reported:   Months Reviewed: 85  Creditor Classification:   Activity Description: N/A  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed:   Type of Loan: Credit card  Date of First Delinquency: N/A Comments:   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2006 * * * * * * * * * * * * 2005 * * * * * * * * * * * * 2004 * * * * * * * * * * * * 2003 * * * * * * * * * * * * 2002 * * * * * * * * * * * * 2001 * * * * * * * * * * * * 2000       * * * * * * * * *
ABC CREDIT C ARDS	4223663512 33XXXX	03/2003	$0	01/2007	$0	PAYS AS AGREED	$4,600
ABC CREDIT CARDS 123 W 43rd St Baltimore, MD-21075 (410) 555-0075 Account Number: 422366351233XXXX  Current Status: PAYS AS AGREED  Account Owner: Joint Account  High Credit: $439   Type of Account : Revolving Credit Limit: $4,600   Term Duration:   Terms Frequency:   Date Opened: 2003/03  Balance: $0   Date Reported: 01/2007  Amount Past Due: $0  Date of Last Payment: 01/2007  Actual Payment Amount: $0   Scheduled Payment Amount: $0   Date of Last Activity: 01/2007  Date Major Delinquency First Reported:   Months Reviewed: 1  Creditor Classification:   Activity Description: N/A  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed:   Type of Loan: Credit card  Date of First Delinquency: N/A Comments:   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2006 * * * * * * * * * * * * 2005 * * * * * * * * * * * * 2004 * * * * * * * * * * * * 2003 * * * * * * * * * * * * 2002 * * * * * * * * * * * * 2001   * * * * * * * * * * *
XYZ BANKCARD	4873664803 16XXXX	08/2001	$0	01/2007	$287	PAYS 91-120 DAYS	$8,000
XYZ BANKCARD 123 Riverside Ave Tuscon, AZ-85701 (520) 555-1244 Account Number: 487366480316XXXX  Current Status: PAYS 91-120 DAYS  Account Owner: Individual Account  High Credit: $7,215   Type of Account : Revolving Credit Limit: $8,000   Term Duration:   Terms Frequency:   Date Opened: 2001/08  Balance: $0   Date Reported: 01/2007  Amount Past Due: $287  Date of Last Payment: 01/2007  Actual Payment Amount: $0   Scheduled Payment Amount: $0   Date of Last Activity: 01/2007  Date Major Delinquency First Reported:   Months Reviewed: 1  Creditor Classification:   Activity Description: N/A  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed:   Type of Loan: Credit card  Date of First Delinquency: 11/2006  Comments:   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2006 * * * * * * * * * 30 60 90 2005 * * * * * * * * * * * * 2004 * * * * * * * * * * * * 2003 * * * * * * * * * * * * 2002 * * * * * * * * * * * * 2001   * * * * * * * * * * *

Closed Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
123 CREDIT C O	5336968842 21XXXX	02/2001	$0	06/2006	$0	PAYS AS AGREED	$3,200
123 CREDIT CO 123 Allyson Rd Tuscon, AZ-19019 (215) 555-8863 Account Number: 533696884221XXXX  Current Status: PAYS AS AGREED  Account Owner: Individual Account  High Credit: $0   Type of Account : Revolving Credit Limit: $3,200   Term Duration:   Terms Frequency:   Date Opened: 2001/02  Balance: $0   Date Reported: 06/2006  Amount Past Due: $0  Date of Last Payment:   Actual Payment Amount: $0   Scheduled Payment Amount: $0   Date of Last Activity: 05/2006  Date Major Delinquency First Reported:   Months Reviewed: 64  Creditor Classification:   Activity Description: Paid and Closed  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed: 01/2004  Type of Loan: Credit card  Date of First Delinquency: N/A Comments: Account closed by consumer   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2006 * * * * *               2005 * * * * * * * * * * * * 2004 * * * * * * * * * * * * 2003 * * * * * * * * * * * * 2002 * * * * * * * * * * * * 2001 * * * * * * * * * * * * 2000             * * * * * *
321 CREDIT C ARDS	6332488211 13XXXX	03/2003	$0	05/2004	$0	PAYS AS AGREED	$4,000
321 CREDIT CARDS 123 Vance Dr Peoria, IL-61601 (309) 555-9968 Account Number: 633248821113XXXX  Current Status: PAYS AS AGREED  Account Owner: Individual Account  High Credit: $4,278   Type of Account : Revolving Credit Limit: $4,000   Term Duration:   Terms Frequency: Monthly (due every month)  Date Opened: 2003/03  Balance: $0   Date Reported: 05/2004  Amount Past Due: $0  Date of Last Payment: 01/2004  Actual Payment Amount: $0   Scheduled Payment Amount: $0   Date of Last Activity: 01/2004  Date Major Delinquency First Reported:   Months Reviewed: 14  Creditor Classification:   Activity Description: Paid and Closed  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed: 02/2004  Type of Loan: Combined Credit Plan  Date of First Delinquency: N/A Comments: Account closed at consumers request   81-Month Payment History No 81-Month Payment Data available for display.
XYZ CREDIT C O	6332488211 13XXXX	03/2004	$0	01/2007	$0	PAYS AS AGREED	$2,000
XYZ CREDIT CO 123 Lawrence Village Oklahoma City, OK-73103 (800) 555-8100 Account Number: 633248821113XXXX  Current Status: PAYS AS AGREED  Account Owner: Individual Account  High Credit: $794   Type of Account : Revolving Credit Limit: $2,000   Term Duration:   Terms Frequency:   Date Opened: 2004/03  Balance: $0   Date Reported: 01/2007  Amount Past Due: $0  Date of Last Payment: 04/2004  Actual Payment Amount: $0   Scheduled Payment Amount: $0   Date of Last Activity: 09/2004  Date Major Delinquency First Reported:   Months Reviewed: 34  Creditor Classification:   Activity Description: Paid and Closed  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed:   Type of Loan: Credit card  Date of First Delinquency: N/A Comments: Account closed by consumers   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2006 * * * * * * * * * * * * 2005 * * * * * * * * * * * * 2004 * * * * * * * * * * * * 2003 * * * * * * * * * * * * 2002 * * * * * * * * * * * * 2001   * * * * * * * * * * *

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Other Accounts

These are all accounts that do not fall into the other categories and can include 30-day accounts such as American Express.

Closed Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
ABC LOANS	31667XXXX	09/1997	$0	09/2003	$0	CHARGE-OFF	$0
ABC LOANS 123 Martin Ave Olympia, WA-98503 (206) 555-1237 Account Number: 31667XXXX  Current Status: CHARGE-OFF  Account Owner: Individual Account  High Credit: $2,625   Type of Account : Open Credit Limit: $0   Term Duration:   Terms Frequency:   Date Opened: 1997/09  Balance: $0   Date Reported: 09/2003  Amount Past Due: $0  Date of Last Payment: 03/2003  Actual Payment Amount: $0   Scheduled Payment Amount: $0   Date of Last Activity: 03/2003  Date Major Delinquency First Reported:   Months Reviewed: 70  Creditor Classification:   Activity Description: N/A  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed: 04/2003  Type of Loan:   Date of First Delinquency: N/A Comments: Paid Charge-Off   81-Month Payment History No 81-Month Payment Data available for display.

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Payment History Key

Meaning	Symbol	Meaning	Symbol
Pays or Paid as Agreed:	*	180+ Days Past Due:	180
30-59 Days Past Due:	30	Collection Account:	CA
60-89 Days Past Due:	60	Foreclosure:	F
90-119 Days Past Due:	90	Voluntary Surrender:	VS
120-149 Days Past Due:	120	Repossession:	R
150-179 Days Past Due:	150	Charge Off:	CO

Inquiries

A request for your credit history is called an inquiry.Inquiries remain on your credit report for two years. There are two types of inquires those that may impact your credit rating and those that do not.

Inquiries that may impact your credit rating
These inquires are made by companies with whom you have applied for a loan or credit.

Name of Company	Date of Inquiry
123 UTILITY	03/05/07
Creditor Contact Information 123 UTILITY 123 Perry St Boston, MA 02101
ABC LENDING CO	02/06/07
Creditor Contact Information ABC LENDING CO 123 Millbrook Ave Birmingham, AL 35201 (205) 555-5252
XYZ CREDIT	01/29/07
Creditor Contact Information XYZ CREDIT 123 Walton Ave Grand Rapids, MI 49501

Inquiries that do not impact your credit rating
These inquires include requests from employers, companies making promotional offers and your own requests to check your credit. These inquiries are only viewable by you.

Company Information	Date of Inquiry
ND-Promotional Inquiry	07/11/06
EFX-Equifax Consumer Services	01/17/07
PRM-ECAS	12/03/06, 12/15/06

Prefix	Prefix Description
PRM	Inquiries with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit or insurance. (PRM inquiries remain for twelve months.)
AM or AR	Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors. (AM and AR inquiries remain for twelve months.)
EMPL	Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months)
Equifax or EFX	Inquiries with these prefixes indicate Equifax’s activity in response to your contact with us for a copy of your credit file or a research request.
ND	Inquiries with this prefix are general inquiries that do not display to credit grantors. (ND inquiries remain for twelve months.)
ND MR	Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company in connection with a mortgage loan. (ND MR inquiries remain for 24 months.)
PR	Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing. (PR inquiries remain for 12 months.)

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Negative Accounts

Accounts that contain a negative account status. These accounts remain a part of your credit report for up to ten years from the date of last activity. The date of last activity is the last date financial activity was reported by the lender.

Open Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
XYZ BANKCARD	4873664803 16XXXX	08/2001	$0	01/2007	$287	PAYS 91-120 DAYS	$8,000
XYZ BANKCARD 123 Riverside Ave Tuscon, AZ-85701 (520) 555-1244 Account Number: 487366480316XXXX  Current Status: PAYS 91-120 DAYS  Account Owner: Individual Account  High Credit: $7,215   Type of Account : Revolving Credit Limit: $8,000   Term Duration:   Terms Frequency:   Date Opened: 2001/08  Balance: $0   Date Reported: 01/2007  Amount Past Due: $287  Date of Last Payment: 01/2007  Actual Payment Amount: $0   Scheduled Payment Amount: $0   Date of Last Activity: 01/2007  Date Major Delinquency First Reported:   Months Reviewed: 1  Creditor Classification:   Activity Description: N/A  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed:   Type of Loan: Credit card  Date of First Delinquency: 11/2006  Comments:   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2006 * * * * * * * * * 30 60 90 2005 * * * * * * * * * * * * 2004 * * * * * * * * * * * * 2003 * * * * * * * * * * * * 2002 * * * * * * * * * * * * 2001   * * * * * * * * * * *

Closed Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
ABC LOANS	31667XXXX	09/1997	$0	09/2003	$0	CHARGE-OFF	$0
ABC LOANS 123 Martin Ave Olympia, WA-98503 (206) 555-1237 Account Number: 31667XXXX  Current Status: CHARGE-OFF  Account Owner: Individual Account  High Credit: $2,625   Type of Account : Open Credit Limit: $0   Term Duration:   Terms Frequency:   Date Opened: 1997/09  Balance: $0   Date Reported: 09/2003  Amount Past Due: $0  Date of Last Payment: 03/2003  Actual Payment Amount: $0   Scheduled Payment Amount: $0   Date of Last Activity: 03/2003  Date Major Delinquency First Reported:   Months Reviewed: 70  Creditor Classification:   Activity Description: N/A  Charge Off Amount: $0   Deferred Payment Start Date:   Balloon Payment Amount: $0   Balloon Payment Date:   Date Closed: 04/2003  Type of Loan:   Date of First Delinquency: N/A Comments: Paid Charge-Off   81-Month Payment History No 81-Month Payment Data available for display.

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Collections

A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed.

ABC Collections
Agency Address:	7754 W 84th St Chicago, IL 60601 (318) 555-4549
Date Reported:	10/2006
Date Assigned:	03/2005
Creditor Classification:
Creditor Name:	321 INSTALLMENT LOANS
Account Number:	25XXXX
Account Owner:	Individual Account.
Original Amount Owned:	$35
Date of 1 st Delinquency:	12/2004
Balance Date:	10/2006
Balance Owned:	$35
Last Payment Date:	N/A
Status Date:	10/2006
Status:	D - Unpaid
Comments:	N/A

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Public Records

Public record information includes bankruptcies, liens or judgments and comes from federal, state or county court records.

Bankruptcy
Date Filed:	08/2004
Case Number:	1A223344567
Court Number/Name:	12-Anywhere Court House
Court Address:	123 Easy Street Anytown, GA 33333 (555) 555-5555
Liabilities:	$25,000
Individual/Joint:	Joint
Individual/Business:	Business
Bankruptcy Disposition:	A-DISCHARGED CH-11
Current Disposition Date:	15/06/2005
Asset Amount:	$36,000
Exempt Amount:	$23,000
Date Verified:	13/05/2005
Date Reported:	15/06/2005
Prior Disposition:
Comments:	Discharged

Judgment
Type:	Judgment
Date Filed:	10/13/2005
Case Number:	334456567878
Court Number/Name:	11-Anytime Court House
Court Address:	123 Easy Street Anytown, GA 33333 (555) 555-5555
Plaintiff:	Mr. Plaintiff
Defendant:	Mr. Defendant
Amount:	$2,500
Status:	T - Satisfied
Satisfied Date:	11/2005
Verified Date:	11/2005
Comments:	Consumer Disputes

Tax Lien
Date Filed:	03/2001
Case Number:	334456567878
Court Number/Name:	33- Anycity Court House
Court Address:	123 Easy Street Anytown, GA 33333 (555) 555-5555
Amount:	$1,500
Class:	County/ City
Date Reported:	25/06/2003
Lien Status:	R - Released
Date Released:	02/2003
Date Verified:	05/2003
Comments:	Consumer says never late

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Personal Information

The following information is added to your file either when creditors enter requests to view your credit history, or when you report it to Equifax directly.

Name: Melissa Carson
Social Security Number: XXX-XX-6789
Age or Date of Birth: March 8, 1977

Address Information

Current/Previous	Street	City	State	Zip	Date Reported
Current	123 PEACHTREE CIRCLE	ATLANTA	GA	30303	07/2006
Former Address 1	123 WYANDHAM CT	BIRMINGHAM	AL	35226	05/2005

Other Identification

You have no other identification on file.

Employment History

Last Reported Employment:
FIELD CONSULTANT; LMNOP COMPANY; GA;

Alert(s)

File Blocked For Promotional Purposes

Fraud Alert

Consumer Statement

The following Consumer Statement was added on 05/2007 and will expire on 05/2008:

CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME (206) 555-5555 EVENING (206) 555-6666

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Dispute File Information

If you believe that any of the information found on this report is incorrect, there are 3 ways to launch an investigation about the information on this report.

If you believe that any of the information found on this file is incorrect, you may start a dispute online about any inaccuracies on your Equifax credit file. The credit reporting company is not required to remove accurate data from your file unless it is outdated or cannot be verified.

Initiating a dispute online is the easiest and fastest way to dispute credit file information. In addition, by disputing online you are also provided the ability to check online the status and results of your dispute.

To initiate a dispute online click on Dispute this Credit File online now

To check the status or view the results of your dispute click on View dispute status

As a reminder your Confirmation Number is: 123456789. Please keep your confirmation as it may be needed for future requests that you initiate with Equifax.

Frequently Asked Questions

How can I dispute inaccuracies on my Equifax Credit File?

As stated in the FCRA, you have the right to dispute information that you feel is being reported incorrectly on your Equifax credit file. You are able to initiate an online dispute immediately or you can contact our dispute center at 866-274-1453 (changes monthly). You must have a current copy of your Equifax credit file and your ten-digit confirmation number to complete the dispute process by phone.

Additionally, you can dispute inaccuracies by writing to:

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374

How can I check the status of my dispute?

Click on View dispute status

How do I dispute the personal information within my credit file?

You can dispute your personal information, including your name, address, and social security number online. However:

• If you dispute or request a change on your name or date of birth, you will need to send us a copy of your Driver's License reflecting this change.
• If you dispute or request a change on your Current Address, you will need to send us a copy of your Driver's License or a utility bill reflecting this change.
• If you dispute or request a change on your Social Security Number, you will need to send us a copy of your Social Security card or a W-2 form.

Once you have submitted you dispute online, you must provide us with a copy of your document proof. You can fax your document proof to 888-826-0549 (may change), or, you can mail a copy of your documents to:

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30348

To initiate your dispute online click on Start a Dispute Online

Equifax offers you personal credit products that enlighten, enable and empower you. Whether you are managing your credit, protecting your identity or preparing for a major purchase, Equifax offers the tools you need to make the smartest choices possible. For more information visit www.Equifax.com.

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