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