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INFORMATIVERESEARCH *13030EUCLID STREET*STE. 200*GARDEN GROVE,CA* 92843*800-606-4593
GGTEST
13030Euclid st1233x
HELLO123
GgCA 92683
123456789
ClientID
9000064
OrderNumber
1007177406PQ
RequestedBy
DanielGilbreth
DateRequested
11/10/2017
Sources
XPNTU EFX
OrigOrder Number
1007176108PQ
Charges
$11.00
OrigDate Requested
10/18/2017
Identification(as requested)
Applicant'sLast Name
ANDERSON
Applicant'sFirst Name
EMERRILL
MiddleSuffixDOBSocialSecurity
XXX-XX-2740
Co-Applicant'sLast Name
BROWN
Co-Applicant'sFirst Name
STACEY
MiddleSuffixDOBSocialSecurity
XXX-XX-6728
PreCloseCreditComparison Summary
****This reportcomparescredit bureaudataaccessed on10/18/2017and11/10/2017**** Changesin BalanceorPayments InquiryTracking (120-days) Changein TotalOutstandingBalances: $0Total# ofInquirieson theOriginalReport: 9 Changein MinimumPayments:-$378 Total# ofInquirieson theNewReport: 2 Changein TotalMaximumCredit Available:-$347885NewInquiries forVerification:+2
NewCredit ActivityTradeNumbers OldNew
Changein Total#of OPENTradelines:-19 Numberof openMortgagetrades: 115 OLDCredit Utilization*/NEWCreditUtilization*: 29% /42% Numberof openInstallmenttrades: 133
Numberof openRevolvingtrades: 3936
Numberof openOthertrades: 00
Totalnumber ofopentrades: 6344
*Creditutilization basedondata reported"asis" fromthecredit bureaus
Recommendations
•Review the2newinquires, andconsiderordering averificationfrom the"Help"column intheInquiries sectionbelow.
Balance/PaymentComparison
OldBalance NewBalanceBalance
Difference
VarianceOldPayment NewPaymentPayment
Difference
Variance
Mortgage$327824$327824$00% $3614$3614$00%
Installment$1253$1253$00% $647$269-$378 -58 %
Revolving$14563$14563$00% $1589$1589$00%
Other$0$0$00% $0$0$00%
Totals$343640$343640$00% $5850$5472-$378 -6 %
CreditQuality Changes
•New "Adverse"ConditionsReported: No•Change inPastDue Amounts:$0 •New "LatePayments"Reported: No
OldNewOldNew
AmountPast
Due
Revolvingamount pastdue
Installmentamount pastdue
BalanceMonthly amountpastdue
Totalamount pastdue
$0 $0 $0 $0 $0 $0 $0 $0
Adverse
Trade Lines
Numberof collectiontradelines
Numberof bankruptcytradelines
Numberof foreclosedtradelines
0 0 0 0 0 0
LatePayments Payments30 to59days late
Payments60 to89days late
Payments90 andoverdays late
7 3 0 7 3 0
Numberof profitandloss tradelines
Numberof repossessiontradelines
Numberof adversetradelines
0 0 9 0 0 9
PreCloseCreditReport
1007177406PQ- Page1/ 2
Inquiries
Clickthe linkstoorder inquiryverifications.
DateCompanyNew/OldIndustryHelp
11/10/17INFORMATIVE( TU1TU2) NewFINANCEOrderCreditorVerification
10/14/17AMEX( XPN2)NewOILAND NATIONALCREDITCARDS OrderCreditorVerification
10/18/17INFORMATIVE( TU1TU2) OldFINANCE
09/28/17ONEMAINFI (EFX1) OldFINANCE
09/14/17AMEX( XPN2)OldOILANDNATIONALCREDITCARDS
09/14/17IRMTGCRDT (EFX2) OldFINANCE
09/11/17ADP( EFX1)OldAUTOMOTIVE
09/11/17CREDCO( EFX2)OldFINANCE
09/08/17ADP( EFX1)OldAUTOMOTIVE
09/04/17ADP( EFX1)OldAUTOMOTIVE
08/24/17CONCENTREX( EFX1)OldFINANCE
PreCloseCreditReport
1007177406PQ- Page2/ 2
13030Euclid Street
STE.200
GardenGrove, CA92843
800-606-4593
www.informativeresearch.com Attention:DanielGilbreth ReportType: PreCloseCreditReport
ClientName: GGTEST Sources:XPNTU EFX
ClientID: 9000064OrderNumber: 1007177406PQ
LoanNumber: OriginalOrderNumber:
FirstIssued: 11/10/201710:14 AMProductPrice: $11.00Other:$0.00Total:$11.00
LastUpdated: 11/10/201710:14 AM
BorrowerInformation
Borrower:EmerrillAnderson Co-Borrower:StaceyBrown
BorrowerSSN: XXX-XX-2740Co-BorrowerSSN: XXX-XX-6728
BorrowerDOB: Co-BorrowerDOB:
CurrentAddress: 4872Putter, Bakersfield,CA93308
TradeInformation
CreditorName Reported
Date
Opened
Date
BalancePaymentTermsAccount
Type
TimesPast
Due
AccountNumber DLAECOACredit
Limit High
Credit
Current
Status
Months
Reviewed
306090+
MSBBANK09/1710/131160431261360MO Mtg
50090036683109/17J1500000144000
ConventionalRealEstateMortgage
XPN2
09/17:CCCCCCCCCCCCCCCCCCCCCCCCC
XPN2:OPEN ACCOUNT
XPN2:THIS ISANACCOUNT INGOODSTANDING
OCWEN/GMAC08/1701/141101301355360MO Mtg
11111995608/17J1134000143000
ConventionalRealEstateMortgage
TU2
MORTGAGECOMPANIES09/1709/1176825787360MO Mtg
305334860609/17J810000169000
ConventionalRealEstateMortgage
XPN1
09/17:CCCCCCCCCCCCCCCCCCCCCCCCC
XPN1:OPEN ACCOUNT
XPN1:THIS ISANACCOUNT INGOODSTANDING
6414308/17J25000248260134000
HomeEquity
XPN2
08/17:CCCCCCCCCCCCCCCCCCCCCCCCC
XPN2:OPEN ACCOUNT
XPN2:THIS ISANACCOUNT INGOODSTANDING
1007177406PQPage1of 14
TradeInformation
CreditorName Reported
Date
Opened
Date
BalancePaymentTermsAccount
Type
TimesPast
Due
AccountNumber DLAECOACredit
Limit High
Credit
Current
Status
Months
Reviewed
306090+
WF/WB08/1708/974986100REVRev
541053200008/17C550056640142100
CreditCard
XPN2
LastPast Due:11/16
08/17:CCCCCCCCC1CCCCCCCCCCCCCCC
30Days: 11/16
XPN2:OPEN ACCOUNT
XPN2:CURRENT ACCOUNT/WAS30 DAYSPASTDUE DATE
VNBM/C09/1702/063875302REVRev
54313380066209/17C390039170199200
CreditCard
XPN2
LastPast Due:08/17
09/17:C1CC1CCCCCCCCCCCCCCCCCCCC
30Days: 08/17,05/17
XPN2:OPEN ACCOUNT
XPN2:CURRENT ACCOUNT/WAS30 DAYSPASTDUE DATE2TIMES
BKOFAMER09/1708/08202444REVRev
280409/17C200021700199100
CreditCard
XPN2
09/17:CCCCCCCCCCCCCCCCCCCCCCCCC
XPN2:OPEN ACCOUNT
XPN2:CURRENT ACCOUNT/WAS30 DAYSPASTDUE DATE
BMOHARRISBK07/1706/05177237REVRev
11111110106307/17C780078000148000
CreditCard
TU2
PNCBANK08/1704/13125315660MO Inst
1111100600611319208/17C94030148000
Automobile
TU2
BENFCLNB/BJ07/1704/1585517REVRev
11111401071607/17J250025000127000
CreditCard
TU2
06/17:CCCCCCCCCCCCCCCCCCCCCCCCCCC
1007177406PQPage2of 14
TradeInformation
CreditorName Reported
Date
Opened
Date
BalancePaymentTermsAccount
Type
TimesPast
Due
AccountNumber DLAECOACredit
Limit High
Credit
Current
Status
Months
Reviewed
306090+
GECRB/THEWIZ10/1712/1453666REVRev
C86W200253910/17B360020330132000
CreditCard
XPN1
10/17:CCCCCCCCCCCCCCCCCCCCCCCCC
XPN1:OPEN ACCOUNT
XPN1:THIS ISANACCOUNT INGOODSTANDING
MACYS/FDSB09/1710/9345623REVRev
1111188509/17B230017690147000
ChargeAccount
TU1
CHEVYCHASE07/1705/14591000*REVRev
11111020114109/15J900090000138000
CreditCard
TU2
TU2:CREDIT LINECLOSEDBY CUSTOMER
AFSCI09/1609/120REVRev
809/16B165216520145000
CreditCard
XPN1
09/16:C------------------------
XPN1:OPEN ACCOUNT
XPN1:THIS ISANACCOUNT INGOODSTANDING
AMEX08/1209/060REVRev
1687990007/12C0020000
CreditCard
TU2
07/12:-CCCCCCC-CC-CCCCC-CC
TU2:CREDIT LINECLOSEDBY CUSTOMER
AMEX08/1209/0601MO Open
1687990007/12C0020000
CreditCard
TU2
07/12:-CCCCCCC-CC-C-CCC-CC
TU2:CREDIT LINECLOSEDBY CUSTOMER
1007177406PQPage3of 14
TradeInformation
CreditorName Reported
Date
Opened
Date
BalancePaymentTermsAccount
Type
TimesPast
Due
AccountNumber DLAECOACredit
Limit High
Credit
Current
Status
Months
Reviewed
306090+
BAC/FLEET-BKCARD09/1710/120REVRev
40712968794109/17J60006980156110
CreditCard
XPN1
LastPast Due:07/17
09/17:CC21CCCCCCCCCCCCCCCCCCCCC
30Days: 06/17
60Days: 07/17
XPN1:OPEN ACCOUNT
XPN1:CURRENT ACCOUNT/WASDELINQUENT 60DAYSPAST DUEDATE
BANK02/1608/980REVRev
5956302/16C20000099000
CheckCreditOrLineOfCredit
XPN2
02/16:-CCCCCCCCCCCCCCCCCCCCCCCC
XPN2:CLOSED ACCOUNT
XPN2:THIS ISANACCOUNT INGOODSTANDING
XPN2:20
BANKCRCARD10/1605/140REVRev
41280032302110/16B15000127000
CreditCard
XPN1
10/16:C-----------CCCCCCCCCC
XPN1:OPEN ACCOUNT
XPN1:THIS ISANACCOUNT INGOODSTANDING
BANKCREDITCARD09/1702/160REVRev
422581031009/17B15000115000
CreditCard
XPN1
09/17:CCCC-CCCCCCC-CC
XPN1:OPEN ACCOUNT
XPN1:THIS ISANACCOUNT INGOODSTANDING
BKOFAMER10/1710/160REVRev
936310/17B6500145019000
CreditCard
XPN1
10/17:CCCCCC-CC
XPN1:OPEN ACCOUNT
XPN1:THIS ISANACCOUNT INGOODSTANDING
1007177406PQPage4of 14
TradeInformation
CreditorName Reported
Date
Opened
Date
BalancePaymentTermsAccount
Type
TimesPast
Due
AccountNumber DLAECOACredit
Limit High
Credit
Current
Status
Months
Reviewed
306090+
CAP1/BERPL10/1709/140REVRev
401550028924910/17B36040133000
CreditCard
XPN1
10/17:CCCC-CC-CCCCCCCCCCCCCCCCC
XPN1:OPEN ACCOUNT
XPN1:THIS ISANACCOUNT INGOODSTANDING
CAPONE07/1705/070REVRev
211144310407/17J870013590199000
CreditCard
XPN1
07/17:-CCCCCCCCCCCCCCCCCCCCCCCC
XPN1:PAID ACCOUNT.ZEROBALANCE
XPN1:THIS ISANACCOUNT INGOODSTANDING
XPN1:ACCOUNT/PAID SATISFACTORILY
CBUSASEARS06/1711/060REVRev
1111123004/17C18004220148000
ChargeAccount
TU2
CHASEHOMEMORTGAGECO10/1609/110PAIDMtg
311000563486010/16J81000011000
ConventionalRealEstateMortgage
XPN1
10/16:-
XPN1:ACCOUNT TRANSFERREDTOANOTHER LENDER
XPN1:ACCOUNT TRANSFERREDTOANOTHER LENDER
CHASENA07/1711/110REVRev
11111106520006/16J250025000127000
CreditCard
TU2
06/17:CCCCCCCCCCCCCCCCCCCCCCCCCCC
CHASENA07/1712/150REVRev
11111700137606/17A750075000118000
CreditCard
TU2
06/17:CCCCCCCCCCCCCCCCCC
CITI07/1708/140REVRev
11111010305702/15C150015000131000
CreditCard
TU2
06/17:CCCCCCC------------CCCCCCCCCCCC
1007177406PQPage5of 14
TradeInformation
CreditorName Reported
Date
Opened
Date
BalancePaymentTermsAccount
Type
TimesPast
Due
AccountNumber DLAECOACredit
Limit High
Credit
Current
Status
Months
Reviewed
306090+
CITI05/1704/140REVRev
11111032555008/15A40000117000
CreditCard
TU2
04/17:CCCCC--------CCCC
CITI03/1709/150REVRev
54193106228603/17B2500690015100
CreditCard
XPN1
LastPast Due:02/17
03/17:-1CCCCCCCCC-C-C
30Days: 02/17
XPN1:PAID ACCOUNT.ZEROBALANCE
XPN1:ACCOUNT 30DAYSPAST DUEDATE
XPN1:ACCOUNT CLOSEDBYCREDIT GRANTOR
XPN1:51
CITIBANKNA10/1508/070REVRev
886110/15C61000195000
CreditCard
XPN2
10/15:-------------------------
XPN2:CLOSED ACCOUNT
XPN2:THIS ISANACCOUNT INGOODSTANDING
XPN2:ACCOUNT CLOSEDBYCONSUMER
CITIBK/BRAD12/1605/070REVRev
111111434611/16J5002720148000
UnknownLoanType
TU2
11/16:C-CCCCC
DISCOVERBANK07/1704/080REVRev
11111015485104/17J0147000
CreditCard
TU2
DISCOVERFINSVCSLLC02/1412/070REVRev
60110017731302/14C15930071010
CreditCard
XPN2
02/14:-
XPN2:PAID ACCOUNT.ZEROBALANCE
quotesdbs_dbs7.pdfusesText_13
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