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You�ve seen the advice, here and elsewhere, that it�s smart to know what�s in your credit report, especially if you
plan to apply for a big credit chunk, say, for a mortgage or a car loan.
If you�ve never seen a credit profile, Equifax shares this sample profile with Home & Family Finance Online
to help demystify the report. Look over this model, and visit the
Equifax site for more information about
credit reports.
Click the links to see more information about each section of the sample profile.
Personal Identification Information
| Your Name |
Social Security Number |
123-45-6789 |
| Your Current Address |
Date of Birth |
Day Month Year |
| City, State, Zip |
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| Previous Address(es) |
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| Your Previous Address |
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| Last Reported Employment |
Your Position and Employer |
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| Public Record Information Bankruptcy filed on 02/97 in City of Atlanta with case or other ID number
123456789012341
With Liabilities of $5,000, Assets of $60,234, Exempt Amount of $60,000 Type of Personal,
Filed Individual, and status Voluntary Ch-7
Lien filed on 03/9:Fulton CTY:Case or Other ID Number-32114:Amount-$26667:Class-State:Released 07/93:Verivied 07/93
Satisfied Judgment filed on 07/94:Fulton CTY:Case or Other ID Number-898872:Defendant-Consumer:Amount-$8984:Plaintiff-ABC Real Estate:Satisfied 03/95:Verified 05/95 |
| Collection Agency Account Information Pro Coll (800) XXX-XXXX
Collection Reported 05/96:Assigned 09/93 to Pro Coll (800) XXX-XXXX Client ABC Hospital:Amount-$978:Unpaid:Balance $978:Date of Last Activity 09/93:Individual Account:Account Number 787652JC
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| Credit Account Information
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| Additional Information Foreclosure
reported 02/97 by Firm Name verified on 02/94
Checking Account reported 02/97 opened on 04/83 closed for reason:
non-sufficient funds with amount $500 |
Companies that Requested your Credit File
| 02/15/97 |
AR Sears |
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02/13/97 |
ACIS 712000003 |
| 02/13/97 |
Richs/Facs |
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02/11/97 |
Equifax - Update |
| 01/16/97 |
Macy's |
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01/13/97 |
Equifax - Disclosure |
| 11/18/96 |
AM Macy's |
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10/16/96 |
PRM - Citibank Visa |
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THE FOLLOWING INQUIRIES ARE NOT REPORTED TO
BUSINESSES:
PRM - This is a promotional inquiry in which only your name and
address were given to a credit grantor so you could be solicited you with an offer such as
a credit card. (PRM inquiries remain on file for 12 months.)
AM or AR - These inquiries indicate a periodic review of your credit history
by one of your creditors (AM and AR inquiries remain on file for 12 months.)
EQUIFAX, ACIS or UPDATE - These inquiries indicate Equifax's activity
in response to your contact with us for either a copy of your credit file or a request for
research.
PRM, AM, AR, INQ, EQUIFAX, ACIS and UPDATE
inquiries do not show on credit files that businesses receive, only on copies provided to
you. |
For More Information
Source: Equifax Inc., reprinted with permission.
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