Credit Report Prepared For:

HEATHER BURCH
Report as Of: 2/9/2009

Personal & Confidential

Please Keep in a safe place for your records.
HEATHER BURCH
Report As Of: 2/9/2009

Table of Contents

Personal Profile _________________________________________________________________________ 1

Credit Summary ________________________________________________________________________ 2

Public Records _________________________________________________________________________ 3

Credit Inquires __________________________________________________________________________ 4

Account History ________________________________________________________________________ 5

Credit Score ___________________________________________________________________________ 10

Experian _____________________________________________________________________________ 11

FreeCreditReport.com | A Part of Experian

HEATHER BURCH
Report As Of: 2/9/2009

Personal Profile
Here you will find the personal information contained in your credit file, including your legal name(s), current and previous addresses, current and previous
employers, and date of birth.

Profile

Name HEATHER BURCH

(Also Known As) AKA HEATHER R RECCA
Year of Birth 1977
Address(es) 248 TRACTOR DR, GRAY COURT,
SC 29645-4942 What's missing from this picture?

121 LANIER LN, MAULDIN, SC 29662- See your Experian®, Equifax® and Log In Now!
2605 www.FreeCreditReport.com
TransUnion® Credit Reports and Scores
at a special "Members Only" price.
760 J C COOPER RD, FOUNTAIN INN,
SC 29644-4617

Current Employer
Previous Employer

Personal Statement

This space is reserved for statements of dispute. For most consumers, no information appears in this section.

Personal Profile Page 1 of 1 Credit Summary Public Records Credit Inquires Account History Credit Score
HEATHER BURCH
Report As Of: 2/9/2009

Credit Summary
This section gives you a broad look at your current and past credit status. Here you'll find the total number of open and closed accounts in your name, the total
balance on those accounts, and delinquencies.

Real Estate Count 3

Current Account(s) Balance $26,736.00
Current 2
Delinquent 0
Other 1

Revolving Count 0
Balance $0.00
Current 0
Delinquent 0
Other 0

What's missing from this picture?

Installments Count 0
Balance $0.00
Current 0 See your Experian®, Equifax® and Log In Now!
www.FreeCreditReport.com
Delinquent 0 TransUnion® Credit Reports and Scores
Other 0 at a special "Members Only" price.

Other Count 0
Balance $0.00
Current 0
Delinquent 0
Other 0

Collections Count 5
Current Account(s) Balance $267.00
Current 0
Delinquent 0
Other 0

What's missing from this picture?

All Accounts Count 8
Current Account(s) Balance $27,003.00
Current 2 See your Experian®, Equifax® and Log In Now!
www.FreeCreditReport.com
Delinquent 0 TransUnion® Credit Reports and Scores
Other 1 at a special "Members Only" price.

Personal Profile Credit Summary Page 1 of 1 Public Records Credit Inquires Account History Credit Score
HEATHER BURCH
Report As Of: 2/9/2009

Public Records
The information in this section comes from federal district bankruptcy records, state and county court records, tax liens and monetary judgments, and in some states,
overdue child support records. Public records remain on your credit report for 7-10 years. Most consumers do not have public records information on their credit
reports. There is no need to be concerned if no information is available.

Bankruptcy chapter 13-dismissed

Date Filed 12/19/2003 What's missing from this picture?

Reference # 0315744JEW
Court US BKPT CT SC COLUMBIA See your Experian®, Equifax® and Log In Now!
Plaintiff www.FreeCreditReport.com
TransUnion® Credit Reports and Scores
Liability $0.00
at a special "Members Only" price.
Asset Amount

Bankruptcy Chapter13-petition filed

Date Filed 2/25/2003 What's missing from this picture?

Reference # 200302297
Court US BKPT CT SC COLUMBIA See your Experian®, Equifax® and Log In Now!
Plaintiff www.FreeCreditReport.com
TransUnion® Credit Reports and Scores
Liability
at a special "Members Only" price.
Asset Amount

Personal Profile Credit Summary Public Records Page 1 of 1 Credit Inquires Account History Credit Score
HEATHER BURCH
Report As Of: 2/9/2009

Credit Inquiries
This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely.
We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.

Credit Inquiries
There are no Credit Inquiries on your credit No History What's missing from this picture?
report at this time.
See your Experian®, Equifax® and Log In Now!
www.FreeCreditReport.com
TransUnion® Credit Reports and Scores
at a special "Members Only" price.

Personal Profile Credit Summary Public Records Credit Inquires Page 1 of 1 Account History Credit Score
HEATHER BURCH
Report As Of: 2/9/2009

Account History
This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely.
We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.

STERN & ASSOCIATES

Account Name STERN & ASSOCIATES

Potentially Negative Closed Account # J7XXXX
Account Type Collection Department / Agency /
Attorney
336-272-0800 Balance $70.00
Past Due
415 N EDGEWORTH ST STE 2 What's missing from this picture?
Date Opened 6/1/2008
GREENSBORO, NC 27401
Account Status Closed
Mo. Payment See your Experian®, Equifax® and Log In Now!
www.FreeCreditReport.com
Payment Status Seriously past due date / assigned to TransUnion® Credit Reports and Scores
attorney, collection agency, or credit at a special "Members Only" price.
grantor's internal collection
department
High Balance
Limit
Terms 1 Month
Comments

2006 2007 2008

Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG
Experian KD

STERN & ASSOCIATES

Account Name STERN & ASSOCIATES

Potentially Negative Closed Account # J7XXXX
Account Type Collection Department / Agency /
Attorney
336-272-0800 Balance $40.00
Past Due
415 N EDGEWORTH ST STE 2 What's missing from this picture?
Date Opened 6/1/2008
GREENSBORO, NC 27401
Account Status Closed
Mo. Payment See your Experian®, Equifax® and Log In Now!
www.FreeCreditReport.com
Payment Status Seriously past due date / assigned to TransUnion® Credit Reports and Scores
attorney, collection agency, or credit at a special "Members Only" price.
grantor's internal collection
department
High Balance
Limit
Terms 1 Month
Comments

2006 2007 2008

Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG
Experian KD
Personal Profile Credit Summary Public Records Credit Inquires Account History Page 1 of 4 Credit Score
HEATHER BURCH
Report As Of: 2/9/2009

Account History
This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely.
We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.

STERN & ASSOCIATES

Account Name STERN & ASSOCIATES

Potentially Negative Closed Account # J7XXXX
Account Type Collection Department / Agency /
Attorney
336-272-0800 Balance $67.00
Past Due
415 N EDGEWORTH ST STE 2 What's missing from this picture?
Date Opened 6/1/2008
GREENSBORO, NC 27401
Account Status Closed
Mo. Payment See your Experian®, Equifax® and Log In Now!
www.FreeCreditReport.com
Payment Status Seriously past due date / assigned to TransUnion® Credit Reports and Scores
attorney, collection agency, or credit at a special "Members Only" price.
grantor's internal collection
department
High Balance
Limit
Terms 1 Month
Comments

2006 2007 2008

Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG
Experian KD

STERN & ASSOCIATES

Account Name STERN & ASSOCIATES

Potentially Negative Closed Account # J7XXXX
Account Type Collection Department / Agency /
Attorney
336-272-0800 Balance $67.00
Past Due
415 N EDGEWORTH ST STE 2 What's missing from this picture?
Date Opened 6/1/2008
GREENSBORO, NC 27401
Account Status Closed
Mo. Payment See your Experian®, Equifax® and Log In Now!
www.FreeCreditReport.com
Payment Status Seriously past due date / assigned to TransUnion® Credit Reports and Scores
attorney, collection agency, or credit at a special "Members Only" price.
grantor's internal collection
department
High Balance
Limit
Terms 1 Month
Comments

2006 2007 2008

Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG
Experian KD
Personal Profile Credit Summary Public Records Credit Inquires Account History Page 2 of 4 Credit Score
HEATHER BURCH
Report As Of: 2/9/2009

Account History
This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely.
We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.

STERN & ASSOCIATES

Account Name STERN & ASSOCIATES

Potentially Negative Closed Account # J7XXXX
Account Type Collection Department / Agency /
Attorney
336-272-0800 Balance $23.00
Past Due
415 N EDGEWORTH ST STE 2 What's missing from this picture?
Date Opened 6/1/2008
GREENSBORO, NC 27401
Account Status Closed
Mo. Payment See your Experian®, Equifax® and Log In Now!
www.FreeCreditReport.com
Payment Status Seriously past due date / assigned to TransUnion® Credit Reports and Scores
attorney, collection agency, or credit at a special "Members Only" price.
grantor's internal collection
department
High Balance
Limit
Terms 1 Month
Comments

2006 2007 2008

Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG
Experian KD

NETBANK INC

Account Name NETBANK INC

Unknown Account # 594910001XXXX
Account Type Conventional Real Estate Loan,
Including Purchase Money First
803-462-8000 Balance
Past Due What's missing from this picture?
9710 TWO NOTCH RD
Date Opened 9/1/2001
COLUMBIA, SC 29223
Account Status Closed See your Experian®, Equifax® and Log In Now!
Mo. Payment www.FreeCreditReport.com
TransUnion® Credit Reports and Scores
Payment Status Account transferred to another at a special "Members Only" price.
office
High Balance
Limit
Terms 360 Months
Comments Transferred to another lender or
claim purchased

2002 2003 2004

Month JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN
Experian 30 OK OK 30 60 90 120 120 120 ND ND ND ND ND ND 120 120 120 120 120 120 120 120 OK

Personal Profile Credit Summary Public Records Credit Inquires Account History Page 3 of 4 Credit Score
HEATHER BURCH
Report As Of: 2/9/2009

Account History
This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely.
We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.

VANDERBILT MORTGAGE

Account Name VANDERBILT MORTGAGE

Current
Account # 11XXXX
Account Type Mobile Home
865-546-1820 Balance $4,767.00
Past Due What's missing from this picture?
PO BOX 15170
Date Opened 3/1/1995
KNOXVILLE, TN 37901
Account Status Open See your Experian®, Equifax® and Log In Now!
Mo. Payment $418.00 www.FreeCreditReport.com
TransUnion® Credit Reports and Scores
Payment Status Current, was past due 180 days or at a special "Members Only" price.
more
High Balance
Limit
Terms 15 Months
Comments

2007 2008 2009

Month FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN
Experian OK 30 30 30 30 OK 30 OK OK 30 30 OK 30 OK OK 30 30 60 90 120 120 OK OK OK

WILSHIRE CREDIT CORP

Account Name WILSHIRE CREDIT CORP

Current Closed Account # 77XXXX
Account Type Real Estate Mortgage - With Or
Without Other Collateral. Usually A
Second Mortgage
800-776-0100 Balance $21,969.00 What's missing from this picture?
Past Due $8,548.00
1776 SW MADISON ST
PORTLAND, OR 97205
Date Opened 9/1/2001 See your Experian®, Equifax® and Log In Now!
Account Status Closed www.FreeCreditReport.com
TransUnion® Credit Reports and Scores
Mo. Payment
at a special "Members Only" price.
Payment Status Debt included in or discharged
through Bankruptcy Chapter 13
High Balance
Limit
Terms 15 Months
Comments

2001 2002 2003

Month MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB
Experian OK 60 OK OK 60 90 120 120 PP

Personal Profile Credit Summary Public Records Credit Inquires Account History Page 4 of 4 Credit Score
HEATHER BURCH
Report As Of: 2/9/2009

Account History
This section contains specific information on each account you’ve opened in the past. Positive information about your accounts remains on your report indefinitely.
We have provided creditor contact information in order to make it easier for you to resolve any issues. Use the addresses and phone numbers to contact them.

Payment History Legend

OK Current 30 30 Days Late KD Key Derogatory**

ND No Data* 60 60 Days Late RF Repossession or Foreclosure

90 90 Days Late PP Payment Plan

120 120 Days Late

*Sometimes the credit bureaus do not have information from a particular month on file.
** For additional information on Key Derogatory, please see your Credit Report Guide.

Account Status Legend

Current Current Closed Unknown

Potentially Negative Potentially Negative Closed

Personal Profile Credit Summary Public Records Credit Inquires Account History Page Legend Credit Score
HEATHER BURCH
Report As Of: 2/9/2009

Credit Score
A PLUS Score is a numerical representation of your credit worthiness. The majority of lenders use some sort of credit scoring model to help predict what kind of credit
risk you may be. For each bureau's score and score explanation, click on the colored tabs below.

About your PLUS Score:

Your PLUS Score is formulated using the information in your credit file. Your score helps potential lenders, landlords, and employers quickly gauge your credit
history and decide what kind of a risk they are taking if they approve your application. Your PLUS Score can range between 330 and 830, with a higher score
indicating a lower risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to
lender. But regardless of what scoring model is used, they all have one purpose: to summarize your creditworthiness. Keep in mind that your score is just one
factor used in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply
for a loan.

What this means to you:

Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have
included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs
and losses for lenders. While lenders may use different scoring models to determine how you score, and each major credit bureau has its own method for
calculating credit scores, the scoring models have been fairly well standardized so that a score at one bureau is roughly equivalent to the same score at
another.

DISCLAMER
The PLUS ScoreSM, developed by Experian, is not an endorsement or guarantee of your credit worthiness as seen by lenders. The different risk levels presented here are for
educational use only. Your PLUS Score can help you understand what factors impact your credit score.

Please be aware that there are many scoring models used in the marketplace, and each lender´s scoring model has its own set of factors. How each lender weighs their chosen
factors may vary, but the exact formula used to calculate your score is proprietary. In general, the higher your score, the better your chances are of obtaining favorable rates and
terms.

Your PLUS Score was calculated using your actual data from your credit file on the day that you requested your report, making it comparable to most scoring models in the industry.
Keep in mind however that other factors, such as length of employment and annual salary, are often taken into consideration by lenders when making decisions about you.

Also note that each bureau has its own set of data, resulting in a separate PLUS Score for each of your credit files.
HEATHER BURCH
Report As Of: 2/9/2009

Credit Score
A PLUS Score is a numerical representation of your credit worthiness. The majority of lenders use some sort of credit scoring model to help predict what kind of credit
risk you may be. For each bureau's score and score explanation, click on the colored tabs below.

What's missing from this picture?

603 See your Experian®, Equifax® and

TransUnion® Credit Reports and Scores
Log In Now!
www.FreeCreditReport.com

at a special "Members Only" price.

Poor

Your Experian PLUS Score Explanation

Percentile: Your credit rating ranks higher than 22.98% of U.S. consumers.

What factors RAISE you PLUS Score: What factors LOWER you PLUS Score:

● We do not show any record of recent inquiries on your credit report.
Every time you apply for any type of credit or loan, the lender checks
your credit history, and an [inquiry] is posted to your credit report. Not
having any new inquiries in the last 2 years shows lenders that you
are less likely to open new accounts and fall behind in your payments.
Remember that new inquiries are not necessarily viewed as negative,
but too many inquiries on your file may make it difficult for you to obtain
new credit.
● Your payment history shows 1 or more payments that were late by 30
days or more. Late payments count negatively against your credit
score. Negative information can stay on your credit report for up to 7
years for some items, up to 10 years for bankruptcies and 15 years for
unpaid tax liens.
● Your report does not show any open, currently active major credit card
accounts, such as Discover, American Express, VISA, or MasterCard.

● You have no open installment loans, such as auto loans, on your

credit report. This positively influences your credit score because
lenders feel you are more likely to pay your other bills without the fixed
monthly payment attached to an installment loan.

● Your credit file shows no record of any current delinquencies on real

estate accounts, such as a mortgage. Having real estate accounts in
good standing is viewed positively by lenders.

● Your credit report does not contain negative public records, such as a
bankruptcy, lien, lawsuit or judgment filed within the last two years.
This is having a positive impact on your credit score. Public record
items may remain on your credit report for 7 to 15 years, depending on
the item.

Personal Profile Credit Summary Public Records Credit Inquires Account History Credit Score Page 1 of 1