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Credit Information

National Credit Report

An applicant's credit worthiness is your number one concern. This easy-to-read report from a national credit bureau is a fast, cost-effective tool to financially qualify an applicant:

  • Outstanding credit accounts.
  • Payment history.
  • Past due to creditors.
  • Tax liens.
  • Bankruptcy info.
  • Collections.
  • Address History.

Sample Report:

Credit Risk Summary

  1. Applicant has between a 68.5-71% likelihood of defaulting on a credit obligation in the next 24 months.
  2. 17% of RHR applicants fall within this range.
  3. The RHR average credit score for the rent amount indicated is 630.
  4. 55% of RHR applicants have a better credit score.
Other Financial Data
  1. The rent to reported primary income ratio is 135.1%. The RHR average is 28.5%.
  2. The debt to reported primary income ratio is 0.0%. The RHR average is 20.3%.
  3. No Public Records found (Bankruptcy, Judgement, Tax Lien, or Garnishment)
  4. 3 Third Party Collections found


Credit Report Summary

  Public Records: 0 Past Due Amount: $1,078 Inquiries: 1
  Installment Balance: $1,078 Monthly Payment: $0 Inquiries/6 Mo: 0
  Mortgage Balance: N/A Mortgage Payment: N/A Derogatory Accts: 3
  Revolving Balance: N/A Revolving Available: N/A 30/60/90: 2 / 1 / 0
 
  Credit Score: 525    (300 low - 850 high)
  Credit Score Factors: 1) SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED
    2) NUMBER OF ACCOUNTS DELINQUENT
    3) LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
    4) LENGTH OF TIME (OR UNKNOWN TIME) SINCE ACCOUNT DELINQUENT

Credit Information

1. Creditor: UNIVERSAL LOANS INC Type: AUTO LOAN
  Opened: 05/11 Last Reported: 07/12 Last Late:
07/12 MOP: 9
30/60/90: 2 / 1 / 0
  High Credit: $8,402 Balance: $0 Mo Pymt: $0 Past Due: $0
  * 09/11-60,08/11-30,07/11-30

Third Party Collections
The following records identify collections that have been turned over by the primary creditor to an independent third party collection agency. Collection records may also be found in the Credit Information section of the report if the primary creditor has not sold the debt to a third party.

1. Agency: FTCS Creditor: COMCAST CABLE COMMUNICATIONS
  Placed: 05/13 Last Reported: 06/13
  Placed Amt: $167 Balance: $167 Status: COLLECTION ACCOUNT

2. Agency: SUPERIOR RECOVERY INC Creditor: COMCAST
  Placed: 08/12 Last Reported: 09/12
  Placed Amt: $652 Balance: $652 Status: COLLECTION ACCOUNT

3. Agency: JACKSON COLLECTION SV Creditor: MEDICAL PAYMENT DATA
  Placed: 07/12 Last Reported: 08/12
  Placed Amt: $259 Balance: $259 Status: COLLECTION ACCOUNT

Public Records
The following records identify legal civil action items such as judgments, garnishments, foreclosures, bankruptcies, and federal & state tax liens.

NO RECORDS FOUND

Inquiries
  12/12/2012 VERIZON WIRELESS

Credit Risk Summary

The letter grade shows the range of where your applicant's credit score falls.

Credit Report Summary

RHR's convenient summary section allows you to quickly interpret the entire credit profile. Negative information will generally highlight in red.

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