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:
- Applicant has between a
68.5-71%
likelihood of defaulting on a credit obligation in the next 24 months.
- 17%
of RHR applicants fall within this range.
- The RHR average credit score for the rent amount indicated is
630.
- 55%
of RHR applicants have a better credit score.
|
- The rent to reported primary income ratio is
135.1%.
The RHR average is 28.5%.
- The debt to reported primary income ratio is
0.0%.
The RHR average is 20.3%.
- No
Public Records found (Bankruptcy, Judgement, Tax Lien, or Garnishment)
- 3
Third Party Collections found
|
|
|
|
|
|
|
|
| |
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 |
|
|
|
|
|
|
|
|
|
| 1. |
Creditor: |
UNIVERSAL LOANS INC |
Type: |
AUTO LOAN |
| |
Opened: |
05/11 |
Last Reported: |
07/12 |
Last Late: |
|
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.
|
| |
12/12/2012 |
VERIZON WIRELESS |
|
|
