RECOMMEND  
  Decision Date:    11/2/2004 3:43:06 PM (ET) 
  Enduser:    ABC Properties 
  Name:    Little Bow Peep 
  SSN:    344-58-6000 
 680 to 840   Recommend. 
 697  

SCORING

 

Proportion Of Balances To Credit Limits Is Too High On Bank Revolving Or Other Revolving Accounts
Number Of Accounts With Delinquency                                                                                                                            
Time Since Delinquency Is Too Recent Or Unknown                                                                                                    
Lack Of Recent Installment Loan Information                                                                                                            

 DEBT TO INCOME INFORMATION:  
  Ratio and Calculation:    Ratio = 17.57%
- includes total gross monthly income of: $3500
- includes rent payment of $450 submitted with decision request
- includes other monthly debt payments totalling: $165
- excludes total delinquent balances of: $0 

COMMENTS

The input social security number matched the credit bureau file.

The applicant's employment does not correspond to the credit bureau file.

*The applicant appears to have long time employment (four or more years).

The applicant would need to provide documentation to verify the above income.

The input current address was found on the credit report dated 01/2002.
No previous address was input on the application screen.

The applicant's credit references indicate: Number Of Accounts With Delinquency.

 The applicant's credit references indicate that based on their credit score your chance for
delinquency is 15%. 

 The applicant's debt to income ratio is 17.57%.  


SUMMARY

Based on the applicant's credit score, debt to income ratio, and pending disclosed landlord and employment
information being positively verified, we would

RECOMMEND.


Personal Information Since 1/1/2002 FAD 11/2/2004


Reported

Name
SSN
Address
Phone

  PEEP, LITTLE BOW
  344-58-6000
  987, SHEEP, ST, FANTASY ISLAND, IL, 60750
  210-1454 Personal



1/1/2002
 


Employment


Date Hired

Date Separated

 

Employer

  ABC CO



Reported 11/29/2004

Employer

  ABC ELECTRONICS



Reported 11/27/2004

Occupation

  ENGINEER






Revolving Accounts

Current Status

Hist Status


Acc Name/Address

Rptd
DLA
ECOA

Opened
Clsd/PD

High
Limit

Pmt
Term

$Bal

$Past Due

  Mths    30    60    90

Rating

DILLARD

Subscriber: D 0356D005

11/04V

I

02/98
 

444
600

 

0

 

24    01  00  00
1111111X2111
11111111111

R1

JCP-MCCBG

Subscriber: D 01972010

11/04V

I

05/94
07/99P

478
 

 

0

 

12  
111111111111
112111111211

R1

NCB NW

Subscriber: B 01752014

11/04V

I

03/96
 

10K
 

100
MIN

5390

 

48  
111111111111
11111111111

R1

CITI

Subscriber: B 064DB003

11/04V

A

05/98
 

0
12K

35
MIN

3393

 

24  
111111111111
111111111111

R1

NCB NW

Subscriber: B 01752016

11/04V

I

07/94
 

1428
 

30
MIN

1165

 

48  
111111111111
11111111111

R1

ELDER BEERMN

Subscriber: D 04195010

11/04V

I

04/99
 

35
300

 

0

 

29  

R1

FASHION BUG

Subscriber: D 09632001

11/04V

I

08/95
03/00P

200
 

 

0

 

48  
111111111111
111111111111

R1

DILLARD

Subscriber: D 0356D005

11/04V

I

02/98
08/00P

444
 

 

0

 

24  
111111111111
111111111111

R1

CBUSASEARS

Subscriber: D 06256397

11/04V

I

03/01
05/01P

30
2700

 

0

 

03  
XX1

R1

M WARD/MBGA

Subscriber: D 0235008E
Collateral: BRCP9P DL1440

03/03V

I

09/95
03/03C

1270
3100

 

0

 

48  
111111111111
XXXXXXXX1111

R1

FASHION BUG

Subscriber: D 09632001
Remarks: Credit card lost or stolen

11/04V

I

04/89
09/95P

105
 

 

0

 

  

RUR

       Revolving Totals




$165

$9,948





Installment Accounts

Current Status

Hist Status


Acc Name/Address

Rptd
DLA
ECOA

Opened
Clsd/PD

High
Limit

Pmt
Term

$Bal

$Past Due

  Mths    30    60    90

Rating

TOL HOSP EFC

Subscriber: Q 0614P001

11/04V

I

05/99
07/01P

3525
 

 

0

 

25  
111111111111
111111111111

I1

TOL HOSP EFC

Subscriber: Q 0614P001

11/04V

I

08/97
07/01P

3000
 

 

0

 

22  
111111111111
111111111111

I1

NCB NRTHWEST

Subscriber: B 01752030

04/01V

C

08/98
04/01C

1560
 

18

0

 

06  
X11X111

I1

       Installment Totals




$0

$0





Inquiries

Date

Name/Address

Code

MKT

Type Inq/Loan

Amount

11/02/04

CREDIT INFO

R SL05550066

ILM

I

 

09/02/03

 

L PE00000370

PEO

I

 

09/02/03

 

L PE00002852

PEO

I

 


END OF REPORT 11/2/2007, 13:08:35 CT