CREDIT BUREAU EMPLOYMENT REPORT FOR:
A COMPANY INC DATE REPORT PRINTED: 10/04/2001
Z L122345678 BUREAU: 44 CA CENTRAL STANDARD TIME: 13:44
IN OUR FILES SINCE: 10/1985
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SUBJECT NAME:
REPORT, SAMPLE
SOCIAL SECURITY NUMBER: 111-22-3333
PHONE:555-1211
_______________________________________________________________________________________
CURRENT ADDRESS REPORTED 06/1986:
412 N. VIRGINIA LEE, COLUMBUS IN. 11111
FORMER ADDRESSES REPORTED 10/1985:
1920 CARROT WAY, COLUMBUS OH. 43201
EMPLOYMENT DATA REPORTED:
SELF
POSITION: VET
DATE REPORTED: 10/1985
CREDIT INFORMATION
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SPECIAL MESSAGES:
***TRANS-ALERT: 2 INQUIRIES IN THE LAST 60 DAYS***
****HAWK-ALERT:INPUT SSN ISSUED: 1936 - 1950; STATE: MI***
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THE FOLLOWING CREDIT SUMMARY REPRESENTS THE SUBJECT'S TOTAL FILE HISTORY
PUBLIC RECORDS: 0 CURRENT NEGATIVE ACCTS: 0 REVOLVING ACCTS: 4
COLLECTIONS: 0 PREVIOUS NEGATIVE ACCTS: 0 INSTALLMENT ACCTS: 0
TRADE ACCTS: 6 PREVIOUS TIMES NEGATIVE: 0 MORTGAGE ACCTS: 1
CREDIT INQUIRIES: 7 EMPLOYMENT INQUIRIES: 1 OPEN ACCTS: 1
HIGH CRED CRED LIMIT BALANCE PAST DUE MNTHLY AVAIL
REVOLVING: $5473 $5000 $0 $0 100%
OPEN: $722 $ $ $0 100%
MORTGAGE: $82 $ $72.0K $0 $521
TOTALS: $6277 $5000 $72.0K $0 $521
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THE FOLLOWING ACCOUNT INFORMATION IS PRINTED IN ORDER BY MOST NEGATIVE MANNER
OF PAYMENT (MOP) AND DATE MOST RECENTLY UPDATED.
2503 TUC COL D 5595458 REVOLVING ACCOUNT
VERIF'D 11/1988 INDIVIDUAL ACCOUNT
OPENED 01/1973 MOST OWED: $346
STATUS AS OF 11/1988: PAID AS AGREED
2503 TUC COL D 5595468 OPEN ACCOUNT
VERIF'D 11/1988 INDIVIDUAL ACCOUNT
OPENED 04/1985 MOST OWED: $722
STATUS AS OF 11/1988: PAID AS AGREED
2503 TUC COL B 5595267 MORTGAGE ACCOUNT
VERIF'D 11/1988 BALANCE: $72000 INDIVIDUAL ACCOUNT
OPENED 02/1980 MOST OWED: $82 PAY TERMS: 360 MONTHLY $521
STATUS AS OF 11/1988: PAID AS AGREED
2503 TUC COL F 5595704 REVOLVING ACCOUNT
VERIF'D 11/1988 BALANCE: $0 INDIVIDUAL ACCOUNT
OPENED 04/1981 MOST OWED: $127
STATUS AS OF 11/1988: PAID AS AGREED
AARP/BK1 VS B 3429001 REVOLVING ACCOUNT
CLOSED
VERIF'D 02/1989 BALANCE: $0 INDIVIDUAL ACCOUNT
OPENED 02/1989 MOST OWED: $2500 CREDIT LIMIT: $2500
PAID OFF 02/1989
STATUS AS OF 02/1989: UNRATED
AARP/BK1 VS B 3429001 REVOLVING ACCOUNT
CLOSED
VERIF'D 01/1989 BALANCE: $0 INDIVIDUAL ACCOUNT
OPENED 01/1989 MOST OWED: $2500 CREDIT LIMIT: $2500
PAID OFF 01/1989
STATUS AS OF 01/1989: UNRATED
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THE FOLLOWING COMPANIES HAVE REQUESTED A COPY OF THE SUBJECT'S CREDIT REPORT
DATE SUBCODE SUBSCRIBER NAME
09/07/1997 Z 11000 AUTOMATED SOURCE SV
07/17/1997 Z 3220 VERICORP INC
07/02/1997 Z 1234 TASK CREDIT REPORTING
06/13/1997 R 3333 BIRCHWOOD CREDIT SERV.
06/10/1997 Z 097 ONE SOURCE CRDT REPORTNG
05/05/1997 Q 1992 USS CREDIT SVC
11/08/1995 Z 3080 CERTIFIED RPDT
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THE FOLLOWING COMPANIES HAVE REQUESTED THE SUBJECT'S FILE FOR EMPLOYMENT USE:
DATE SUBCODE SUBSCRIBER NAME
08/01/1997 Z 3220 VERICORP INC
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END OF PEER REPORT - SERVICED BY:
CREDIT BUREAU REPOSITORY
120 MAIN RD, POB 33
YOUR TOWN, USA 12222
(800) 888-8888
--- End of Sample Report ---
A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT
THE FEDERAL FAIR CREDIT REPORTING ACT (FCRA) IS DESIGNED TO PROMOTE ACCURACY, FAIRNESS,
AND PRIVACY OF INFORMATION IN THE FILES OF EVERY "CONSUMER REPORTING AGENCY"
(CRA). MOST CRA'S ARE CREDIT BUREAUS THAT GATHER AND SELL INFORMATION ABOUT YOU -- SUCH
AS IF YOU PAY YOUR BILLS ON TIME OR HAVE FILED BANKRUPTCY -- TO CREDITORS, EMPLOYERS,
LANDLORDS, AND OTHER BUSINESSES. YOU CAN FIND THE COMPLETE TEXT OF THE FCRA, 15 U.S.C
$$1681-1681U, AT THE FEDERAL TRADE COMMISSION'S WEB SITE (HTTP://WWW.FTC.GOV). THE FCRA
GIVES YOU SPECIFIC RIGHTS, AS OUTLINED BELOW. YOU MAY HAVE ADDITIONAL RIGHTS UNDER STATE
LAW. YOU MAY CONTACT A STATE OR LOCAL CONSUMER PROTECTION AGENCY OR A STATE ATTORNEY
GENERAL TO LEARN THOSE RIGHTS.
- YOU MUST BE TOLD IF INFORMATION IN YOUR FILE HAS BEEN USED AGAINST YOU. ANYONE WHO USES
INFORMATION FROM A CRA TO TAKE ACTION AGAINST YOU
-- SUCH AS DENYING AN APPLICATION FOR CREDIT, INSURANCE, OR EMPLOYMENT
-- MUST TELL YOU, AND GIVE YOU THE NAME, ADDRESS, AND PHONE NUMBER OF THE CRA THAT
PROVIDED THE CONSUMER REPORT.
- YOU CAN FIND OUT WHAT IS IN YOUR FILE. AT YOUR REQUEST, A CRA MUST GIVE YOU THE
INFORMATION IN YOUR FILE, AND A LIST OF EVERYONE WHO HAS REQUESTED IT RECENTLY. THERE IS
NO CHARGE FOR THE REPORT IF A PERSON HAS TAKEN ACTION AGAINST YOU BECAUSE OF INFORMATION
SUPPLIED BY THE CRA. IF YOU REQUEST THE REPORT WITHIN 60 DAYS OF RECEIVING NOTICE OF THE
ACTION. YOU ALSO ARE ENTITLED TO ONE FREE REPORT EVERY TWELVE MONTHS UPON REQUEST IF YOU
CERTIFY THAT (1) YOU ARE UNEMPLOYED AND PLAN TO SEEK EMPLOYMENT WITHIN 60 DAYS, (2) YOU
ARE ON WELFARE, OR (3) YOUR REPORT IS INACCURATE DUE TO FRAUD. OTHERWISE, A CRA MAY
CHARGE YOU UP TO EIGHT DOLLARS.
- YOU CAN DISPUTE INACCURATE INFORMATION WITH THE CRA. IF YOU TELL A CRA THAT YOUR FILE
CONTAINS INACCURATE INFORMATION, THE CRA MUST INVESTIGATE THE ITEMS (USUALLY WITHIN 30
DAYS) BY PRESENTING TO ITS INFORMATION SOURCE ALL RELEVANT EVIDENCE YOU SUBMIT, UNLESS
YOUR DISPUTE IS FRIVOLOUS. THE SOURCE MUST REVIEW YOUR EVIDENCE AND REPORT ITS FINDINGS
TO THE CRA. (THE SOURCE ALSO MUST ADVISE NATIONAL CRA'S -- TO WHICH IT HAS PROVIDED THE
DATA -- OF ANY ERROR.) THE CRA MUST GIVE YOU A WRITTEN REPORT OF THE INVESTIGATION, AND
A COPY OF YOUR REPORT IF THE INVESTIGATION RESULTS IN ANY CHANGE. IF THE CRA'S
INVESTIGATION DOES NOT RESOLVE THE DISPUTE, YOU MAY ADD A BRIEF STATEMENT IN FUTURE
REPORTS. IF AN ITEM IS DELETED OR A DISPUTE STATEMENT IS FILED, YOU MAY ASK THAT ANYONE
WHO HAS RECENTLY RECEIVED YOUR REPORT BE NOTIFIED OF THE CHANGE.
- INACCURATE INFORMATION MUST BE CORRECTED OR DELETED. A CRA MUST REMOVE OR CORRECT
INACCURATE OR UNVERIFIED INFORMATION FROM ITS FILES, USUALLY WITHIN 30 DAYS AFTER YOU
DISPUTE IT. HOWEVER, THE CRA IS NOT REQUIRED TO REMOVE ACCURATE DATA FROM YOUR FILE
UNLESS IT IS OUTDATED (AS DESCRIBED BELOW) OR CANNOT BE VERIFIED. IF YOUR DISPUTE RESULTS
IN ANY CHANGE TO YOUR REPORT, THE CRA CANNOT REINSERT INTO YOUR FILE A DISPUTED ITEM
UNLESS THE INFORMATION SOURCE VERIFIES ITS ACCURACY AND COMPLETENESS. IN ADDITION, THE
CRA MUST GIVE YOU A WRITTEN NOTICE TELLING YOU IT HAS REINSERTED THE ITEM. THE NOTICE
MUST INCLUDE THE NAME, ADDRESS AND PHONE NUMBER OF THE INFORMATION SOURCE.
- YOU CAN DISPUTE INACCURATE ITEMS WITH THE SOURCE OF THE INFORMATION. IF YOU TELL ANYONE
-- SUCH AS A CREDITOR WHO REPORTS TO A CRA -- THAT YOU DISPUTE AN ITEM THEY MAY NOT THEN
REPORT THE INFORMATION TO A CRA WITHOUT INCLUDING A NOTICE OF YOUR DISPUTE. IN ADDITION,
ONCE YOU'VE NOTIFIED THE SOURCE OF THE ERROR IN WRITING, IT MAY NOT CONTINUE TO REPORT THE
INFORMATION IF IT IS, IN FACT, AN ERROR.
- OUTDATED INFORMATION MAY NOT BE REPORTED. IN MOST CASES, A CRA MAY NOT REPORT NEGATIVE
INFORMATION THAT IS MORE THAN SEVEN YEARS OLD; TEN YEARS FOR BANKRUPTCIES.
- ACCESS TO YOUR FILE IS LIMITED. A CRA MAY PROVIDE INFORMATION ABOUT YOU ONLY TO PEOPLE
WITH A NEED RECOGNIZED BY THE FCRA -- USUALLY TO CONSIDER AN APPLICATION WITH A CREDITOR,
INSURER, EMPLOYER, LANDLORD, OR OTHER BUSINESS.
- YOUR CONSENT IS REQUIRED FOR REPORTS THAT ARE PROVIDED TO EMPLOYERS, OR REPORTS THAT
CONTAIN MEDICAL INFORMATION. A CRA MAY NOT GIVE OUT INFORMATION ABOUT YOU TO YOUR EMPLOYER,
OR PROSPECTIVE EMPLOYER, WITHOUT YOUR WRITTEN CONSENT. A CRA MAY NOT REPORT MEDICAL
INFORMATION ABOUT YOU TO CREDITORS, INSURERS, OR EMPLOYERS WITHOUT YOUR PERMISSION.
- YOU MAY CHOOSE TO EXCLUDE YOUR NAME FROM CRA LISTS FOR UNSOLICITED CREDIT AND INSURANCE
OFFERS. CREDITORS AND INSURERS MAY USE FILE INFORMATION AS THE BASIS FOR SENDING YOU
UNSOLICITED OFFERS OF CREDIT OR INSURANCE. SUCH OFFERS MUST INCLUDE A TOLL-FREE PHONE
NUMBER FOR YOU TO CALL IF YOU WANT YOUR NAME AND ADDRESS REMOVED FROM FURTURE LISTS. IF
YOU CALL, YOU MUST BE KEPT OFF THE LISTS FOR TWO YEARS. IF YOU REQUEST, COMPLETE, AND
RETURN THE CRA FORM PROVIDED FOR THIS PURPOSE, YOU MUST BE TAKEN OFF THE LISTS INDEFINITELY.
- YOU MAY SEEK DAMAGES FROM VIOLATORS. IF A CRA, A USER OR (IN SOME CASES) A PROVIDER OF
CRA DATA, VIOLATES THE FCRA, YOU MAY SUE THEM IN STATE OR FEDERAL COURT.
THE FCRA GIVES SEVERAL DIFFERENT FEDERAL AGENCIES AUTHORITY TO ENFORCE THE FCRA:
FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:
CRA'S CREDITORS AND OTHERS NOT FEDERAL TRADE COMMISSION
LISTED BELOW CONSUMER RESPONSE CENTER - FCRA
WASHINGTON, DC 20580
202-326-3761
NATIONAL BANKS, FEDERAL BRANCHES / OFFICE OF THE COMPTROLLER OF THE CURRENCY
AGENCIES OF FOREIGN BANKS (WORD COMPLIANCE MANAGEMENT, MAIL STOP 6-6
"NATIONAL" OR INITIALS "N.A." WASHINGTON, DC 20219
APPEAR IN OR AFTER BANK'S NAME) 800-613-6743
FEDERAL RESERVE SYSTEM MEMBER BANKS FEDERAL RESERVE BOARD
(EXCEPT NATIONAL BANKS, AND FEDERAL DIVISION OF COMSUMER & COMMUNITY AFFAIRS
BRANCHES / AGENCIES OF FOREIGN WASHINGTON, DC 20551
BANKS) 202-452-3693
SAVINGS ASSOCIATIONS AND FEDERALLY OFFICE OF THRIFT SUPERVISION
CHARTERED SAVINGS BANKS (WORD CONSUMER PROGRAMS
"FEDERAL" OR INITIALS "F.S.B." WASHINGTON, DC 20552
APPEAR IN FEDERAL INSTITUTION'S 800-842-6929
FEDERAL CREDIT UNIONS (WORDS NATIONAL CREDIT UNION ADMINISTRATION
"FEDERAL CREDIT UNION" APPEAR IN 1775 DUKE STREET
INSTITUTION'S NAME) ALEXANDRIA, VA 22314
703-518-6360
STATE-CHARTERED BANKS THAT ARE NOT FEDERAL DEPOSIT INSURANCE CORPORATION
MEMBERS OF THE FEDERAL RESERVE DIVISION OF COMPLIANCE & CONSUMER AFFAIRS
SYSTEM WASHINGTON, DC 20429
800-934-FDIC
AIR, SURFACE, OR RAIL COMMON DEPARTMENT OF TRANSPORTATION
CARRIERS REGULATED BY FORMER CIVIL OFFICE OF FINANCIAL MANAGEMENT
AERONAUTICS BOARD OR INTERSTATE WASHINGTON, DC 20590
202-366-1306
ACTIVITIES SUBJECT TO THE PACKERS DEPARTMENT OF AGRICULTURE
AND STOCKYARDS ACT, 1921 OFFICE OF DEPUTY ADMINISTRATOR - GIPSA
WASHINGTON, DC 20250
202-720-7051
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