Credit Report Prepared For:

CHAD M MCQUARRIE
Report as Of: 7/9/2012
Personal & Confidential
Please Keep in a safe place for your records.

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Table of Contents
Personal Information _____________________________________________________________________ 1

Report Summary ________________________________________________________________________ 2

Bankruptcy & Court Judgments ____________________________________________________________ 3

Credit Inquires __________________________________________________________________________ 4

Credit Cards, Loans & Other Debt ___________________________________________________________ 8

Credit Score ___________________________________________________________________________ 19

Experian ____________________________________________________________________________ 20

Equifax ______________________________________________________________________________ 21

Transunion ___________________________________________________________________________ 22

CreditScore.com | A Part of Experian

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Personal Information
Here you will find your personal information, including your legal name(s), year of birth, current and previous addresses, and current and previous employers.
Profile

Name CHAD M MCQUARRIE CHAD M MCQUARRIE CHAD M MCQUARRIE
(Also Known As) AKA MCQUARRIE CHAD MCQUARRIE,CHAD,MICHAEL
Year of Birth 1980 1980 1980

Address(es) 605 BLACKSHOALS DR, CARY, NC

27511-5728
5430 REBECCA LYNN LN, RALEIGH,
NC 27613-1069
6300 CHADFORD DR APT 1824,
RALEIGH, NC 27612-7198

605 BLACKSHOALS DR, CARY, NC

27511
5430 REBECCA LYNN LN, RALEIGH,
NC 27613
6300 CHADFORD DR APT 1824,
RALEIGH, NC 27612

605 BLACKSHOALS DR, CARY, NC

27511
5430 REBECCA LYNN LN, RALEIGH,
NC 27613
46 22ND ST, RICHMOND, IN 47374
Current Employer CHEESECAKE FACTORY GARFIELDS
Previous Employer SYKES ENTERPRISES AMPRIDESTERLING
This space is reserved for statements of dispute. For most consumers, no information appears in this section.
Personal Statement
Personal Information Page 1 of 1 Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Report Summary
This section provides you some of the most important data points on the credit report.
Summary

Accounts Listed Negative 0 0 0

Collections Accounts 5 7 7
Real Estate Debt $0.00 $0.00 $0.00
Installment Debt $39,361.00 $21,279.00 $21,279.00
Revolving Debt $431.00 $431.00 $431.00
% Revolving Credit Available 28.17% 100% 28%
Personal Information Report Summary Page 1 of 1 Bankruptcies Credit Inquires Credit Cards & Loans Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Bankruptcy & Court Judgments
Here you will find any court-related information, including bankruptcies, state and county court records, tax liens, monetary judgments, and in some states, overdue
child support payments. Remember, bankruptcies remain on your report for 7-10 years.
Public Records
There are no Public Records on your credit
report at this time.
No History No History No History
Personal Information Report Summary Bankruptcies Page 1 of 1 Credit Inquires Credit Cards & Loans Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Inquiries
Here you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on
your report for up to 2 years.
GECRB

Business Name GECRB
Inquiry Date 7/9/2012
Business Type

Credit card and travel / entertainment
companies
No Phone Provided
C/O PO BOX 965037
ORLANDO, FL 32896



TARGET NATIONAL BANK

Business Name TARGET NATIONAL BANK
Inquiry Date 6/22/2012
Business Type Complete Dept. Stores
888-755-5856
C/O TARGET CREDIT SERVICES
P O BOX 673
MINNEAPOLIS, MN 55440-0673



WEBBANK/BML

Business Name WEBBANK/BML
Inquiry Date 2/16/2012
Business Type National Credit Card Cos.
866-528-3733
9690 DEERCO ROAD
TIMONIUM, MD 21093



GECRB/AMAZON PLCC

Business Name GECRB/AMAZON PLCC
Inquiry Date 11/14/2011
Business Type Bank Credit Cards
866-597-1513
PO BOX 981400
EL PASO, TX 79998



Personal Information Report Summary Bankruptcies Credit Inquires Page 1 of 4 Credit Cards & Loans Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Inquiries
Here you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on
your report for up to 2 years.
GECRB/LOWES

Business Name GECRB/LOWES
Inquiry Date 9/8/2011
Business Type

Credit card and travel / entertainment
companies
800-444-1408
PO BOX 965005
ORLANDO, FL 32896



GECRB/AMAZON

Business Name GECRB/AMAZON
Inquiry Date 9/2/2011
Business Type Banks and S&Ls
866-634-8379
PO BOX 965015
ORLANDO, FL 32896



WEBBANK/BML

Business Name WEBBANK/BML
Inquiry Date 5/3/2011
Business Type National Credit Card Cos.
866-528-3733
9690 DEERCO ROAD
TIMONIUM, MD 21093



CHASE BANK USA, N. A

Business Name CHASE BANK USA, N. A
Inquiry Date 4/7/2011
Business Type National Credit Card Cos.
800-677-7101
201 N.WALNUT STREET
WILMINGTON, DE 19801



Personal Information Report Summary Bankruptcies Credit Inquires Page 2 of 4 Credit Cards & Loans Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Inquiries
Here you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on
your report for up to 2 years.
CAPITAL ONE/HSBC

Business Name CAPITAL ONE/HSBC
Inquiry Date 2/26/2011
Business Type All Banks
800-695-6950
26525 NORTH RIVERWOODS BLVD
METTAWA, IL 60045



CAPITAL ONE/HSBC

Business Name CAPITAL ONE/HSBC
Inquiry Date 2/26/2011
Business Type All Banks
800-695-6950
26525 NORTH RIVERWOODS BLVD
METTAWA, IL 60045



1ST PREMIER

Business Name 1ST PREMIER
Inquiry Date 11/14/2010
Business Type Banks and S&Ls
605-357-3440
3820 N LOUISE AVE
SIOUX FALLS, SD 57104



CREDCO

Business Name CREDCO
Inquiry Date 10/8/2010
Business Type Miscellaneous Reptg. Agencies




Personal Information Report Summary Bankruptcies Credit Inquires Page 3 of 4 Credit Cards & Loans Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Inquiries
Here you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on
your report for up to 2 years.
GECRB

Business Name GECRB
Inquiry Date 9/7/2010
Business Type Sales Financing
No Phone Provided
C/O PO BOX 965037
ORLANDO, FL 32896-5037

Personal Information Report Summary Bankruptcies Credit Inquires Page 4 of 4 Credit Cards & Loans Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Cards, Loans & Other Debt
Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
ABSOLUTE COLLECT SVC
Potentially Negative

Account Name ABSOLUTE COLLECT SVC ACS
Account # A2476XXXX A2476XXXX
Account Type Collection Department / Agency /
Attorney
Collection Account
919-755-3900 Balance $1,055.00 $1,055.00
421 FAYETTEVILLE ST STE
RALEIGH, NC 27601
Past Due $1,055.00
Date Opened 1/1/2010 1/4/2010
Account Status Closed Open
Mo. Payment
Payment Status Seriously past due date / assigned to
attorney, collection agency, or credit
grantor's internal collection
department
Collection account
High Balance
Limit
Terms 1 Month
Comments Placed for collection
2008 2009 2010
MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
KD


Month
Experian
Equifax
TransUnion
ABSOLUTE COLLECT SVC
Potentially Negative

Account Name ABSOLUTE COLLECT SVC ACS
Account # A1967XXXX A1967XXXX A1967XXXX
Account Type Collection Department / Agency /
Attorney
Collection Account Collection Account
919-755-3900 Balance $196.00 $196.00 $196.00
421 FAYETTEVILLE ST STE
RALEIGH, NC 27601
Past Due $196.00
Date Opened 6/1/2006 6/1/2006 6/19/2006
Account Status Closed Closed Open
Mo. Payment
Payment Status Seriously past due date / assigned to
attorney, collection agency, or credit
grantor's internal collection
department
Unpaid Collection account
High Balance
Limit
Terms 1 Month
Comments

MEDICAL
Unpaid
Placed for collection
2004 2005 2006
DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV
KD


Month
Experian
Equifax
TransUnion

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 1 of 10 Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Cards, Loans & Other Debt
Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
ABSOLUTE COLLECT SVC
Potentially Negative

Account Name ABSOLUTE COLLECT SVC ACS
Account # A1961XXXX A1961XXXX A1961XXXX
Account Type Collection Department / Agency /
Attorney
Collection Account Collection Account
919-755-3900 Balance $196.00 $196.00 $196.00
421 FAYETTEVILLE ST STE
RALEIGH, NC 27601
Past Due $196.00
Date Opened 5/1/2006 5/1/2006 5/22/2006
Account Status Closed Closed Open
Mo. Payment
Payment Status Seriously past due date / assigned to
attorney, collection agency, or credit
grantor's internal collection
department
Unpaid Collection account
High Balance
Limit
Terms 1 Month
Comments

MEDICAL
Unpaid
Placed for collection
2004 2005 2006
OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP
KD


Month
Experian
Equifax
TransUnion
ACS
Potentially Negative

Account Name ACS
Account # A2523XXXX
Account Type Collection Account
919-755-3900 Balance $705.00
421 FAYETTEVILLE S
SUITE 600
RALEIGH, NC 27601
Past Due
Date Opened 4/26/2010
Account Status Open
Mo. Payment
Payment Status Collection account
High Balance
Limit
Terms
Comments Placed for collection
-
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC



Month
Experian
Equifax
TransUnion

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 2 of 10 Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Cards, Loans & Other Debt
Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
FAC/NAB
Potentially Negative

Account Name FAC/NAB FAC/NAB
Account # 1084XXXX 1084XXXX 1084XXXX
Account Type Collection Department / Agency /
Attorney
Collection Account Collection Account
615-256-7100 Balance $848.00 $848.00 $848.00
480 JAMES ROBERTSON PKWY
NASHVILLE, TN 37219
Past Due $848.00
Date Opened 2/1/2008 2/1/2008 2/20/2008
Account Status Closed Closed Open
Mo. Payment
Payment Status Seriously past due date / assigned to
attorney, collection agency, or credit
grantor's internal collection
department
Unpaid Collection account
High Balance
Limit
Terms 1 Month
Comments

MEDICAL
Unpaid
Placed for collection
2010 2011 2012
JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN
KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD


Month
Experian
Equifax
TransUnion
INTERCREDCOL
Potentially Negative

Account Name INTERCREDCOL
Account # 461XXXX
Account Type Collection Account
336-777-3524 Balance $73.00
711 COLISEUM PLAZA
WINSTON SALEM, NC 27106
Past Due
Date Opened 12/13/2006
Account Status Open
Mo. Payment
Payment Status Collection account
High Balance
Limit
Terms
Comments Placed for collection
-
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC



Month
Experian
Equifax
TransUnion

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 3 of 10 Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Cards, Loans & Other Debt
Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
SCA COLLECTIONS INC
Potentially Negative

Account Name SCA COLLECTIONS INC SCA COLLECT
Account # 198XXXX 198XXXX 198XXXX
Account Type Collection Department / Agency /
Attorney
Collection Account Collection Account
252-355-5500 Balance $79.00 $79.00 $79.00
PO BOX 876
GREENVILLE, NC 27835
Past Due $79.00
Date Opened 10/1/2008 10/1/2008 10/7/2008
Account Status Closed Closed Open
Mo. Payment
Payment Status Seriously past due date / assigned to
attorney, collection agency, or credit
grantor's internal collection
department
Unpaid Collection account
High Balance
Limit
Terms 1 Month
Comments

MEDICAL
Unpaid
Placed for collection
2007 2008
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
KD


Month
Experian
Equifax
TransUnion

Potentially Negative Closed

Account Name
Account # A2176XXXX
Account Type Collection Account
Balance $2,007.00
Past Due
Date Opened 5/1/2008
Account Status Closed
Mo. Payment
Payment Status Unpaid
High Balance
Limit
Terms
Comments

MEDICAL
Unpaid

-
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC



Month
Experian
Equifax
TransUnion

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 4 of 10 Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Cards, Loans & Other Debt
Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

Potentially Negative Closed

Account Name
Account # 897XXXX
Account Type Collection Account
Balance $90.00
Past Due
Date Opened 3/1/2008
Account Status Closed
Mo. Payment
Payment Status Unpaid
High Balance
Limit
Terms
Comments

MEDICAL
Unpaid

-
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC



Month
Experian
Equifax
TransUnion

Potentially Negative Closed

Account Name
Account # A2126XXXX
Account Type Collection Account
Balance $115.00
Past Due
Date Opened 12/1/2007
Account Status Closed
Mo. Payment
Payment Status Unpaid
High Balance
Limit
Terms
Comments

MEDICAL
Unpaid

-
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC



Month
Experian
Equifax
TransUnion

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 5 of 10 Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Cards, Loans & Other Debt
Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
MONROE COUNTY CHILD SU
Potentially Negative Closed

Account Name MONROE COUNTY CHILD SU
Account # 529XXXX
Account Type Child Support
812-349-2675 Balance $18,082.00
238 W 7TH ST
BLOOMINGTON, IN 47404
Past Due $18,082.00
Date Opened 1/1/2006
Account Status Closed
Mo. Payment
Payment Status Seriously past due date / assigned to
attorney, collection agency, or credit
grantor's internal collection
department

High Balance
Limit
Terms 1 Month
Comments
2010 2011 2012
JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN
KD


Month
Experian
Equifax
TransUnion
CAP ONE
Current

Account Name CAP ONE CAPITAL ONE CAP ONE
Account # 526835019189XXXX 526835019189XXXX 52683501XXXX
Account Type Credit Card Revolving or Option Revolving account
800-477-6000 Balance $198.00 $198.00 $198.00
PO BOX 5253
CAROL STREAM, IL 60197
Past Due $0.00
Date Opened 2/1/2011 2/1/2011 2/26/2011
Account Status Open Open Open
Mo. Payment $25.00 $25.00 $25.00
Payment Status Current Pays account as agreed Paid or paying as agreed
High Balance $323.00 $323.00
Limit $300.00 $300.00 $300.00
Terms Revolving Minimum
Comments

CREDIT CARD

2010 2011 2012
JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Month
Experian
Equifax
TransUnion

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 6 of 10 Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Cards, Loans & Other Debt
Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
CARMAX AUTO FINANCE
Current

Account Name CARMAX AUTO FINANCE CARMAX AUTO FINANCE CAF
Account # 941XXXX 941XXXX 941XXXX
Account Type Auto Loan Installment Installment account
No Phone Provided Balance $12,758.00 $12,758.00 $12,758.00
2040 THALBRO ST
RICHMOND, VA 23230
Past Due $0.00
Date Opened 7/1/2009 7/1/2009 7/29/2009
Account Status Open Open Open
Mo. Payment $376.00 $376.00 $376.00
Payment Status Current, was past due 30 days Pays account as agreed Paid or paying as agreed
High Balance $20,296.00 $20,296.00
Limit
Terms 72 Months 72 Months
Comments

AUTO
FIXED RATE

2010 2011 2012
MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK
Month
Experian
Equifax
TransUnion
FED LOAN SERV
Current

Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN
Account # 4622018935FD0XXXX 4622018935FD0XXXX 4622018935FD0XXXX
Account Type Education Loan Installment Installment account
717-720-1985 Balance $2,000.00 $2,000.00 $2,000.00
PO BOX 69184
HARRISBURG, PA 17106
Past Due $0.00 $0.00
Date Opened 10/1/2011 10/1/2011 10/6/2011
Account Status Open Open Open
Mo. Payment
Payment Status Current Pays account as agreed Paid or paying as agreed
High Balance $2,000.00 $2,000.00
Limit
Terms Unknown
Comments
Student loan - payment deferred
STUDENT LOAN - PAYMENT
DEFERRED
Payment deferred
2010 2011 2012
MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
OK OK OK OK OK OK
OK OK OK OK OK OK OK
OK OK OK OK OK OK
Month
Experian
Equifax
TransUnion

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 7 of 10 Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Cards, Loans & Other Debt
Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
FED LOAN SERV
Current

Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN
Account # 4622018935FD0XXXX 4622018935FD0XXXX 4622018935FD0XXXX
Account Type Education Loan Installment Installment account
717-720-1985 Balance $3,500.00 $3,500.00 $3,500.00
PO BOX 69184
HARRISBURG, PA 17106
Past Due $0.00 $0.00
Date Opened 10/1/2011 10/1/2011 10/6/2011
Account Status Open Open Open
Mo. Payment
Payment Status Current Pays account as agreed Paid or paying as agreed
High Balance $3,500.00 $3,500.00
Limit
Terms Unknown
Comments
Student loan - payment deferred
STUDENT LOAN - PAYMENT
DEFERRED
Payment deferred
2010 2011 2012
MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
OK OK OK OK OK OK
OK OK OK OK OK OK OK
OK OK OK OK OK OK
Month
Experian
Equifax
TransUnion
FED LOAN SERV
Current

Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN
Account # 4622018935FD0XXXX 4622018935FD0XXXX 4622018935FD0XXXX
Account Type Education Loan Installment Installment account
717-720-1985 Balance $2,821.00 $200.00 $200.00
PO BOX 69184
HARRISBURG, PA 17106
Past Due $0.00 $0.00
Date Opened 6/1/2011 6/1/2011 6/6/2011
Account Status Open Open Open
Mo. Payment
Payment Status Current Pays account as agreed Paid or paying as agreed
High Balance $200.00 $200.00
Limit
Terms Unknown
Comments
Student loan - payment deferred
STUDENT LOAN - PAYMENT
DEFERRED
Payment deferred
2010 2011 2012
MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
OK OK OK OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK
Month
Experian
Equifax
TransUnion

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 8 of 10 Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Cards, Loans & Other Debt
Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
FED LOAN SERV
Current

Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN
Account # 4622018935FD0XXXX 4622018935FD0XXXX 4622018935FD0XXXX
Account Type Education Loan Installment Installment account
717-720-1985 Balance $200.00 $2,821.00 $2,821.00
PO BOX 69184
HARRISBURG, PA 17106
Past Due $0.00 $0.00
Date Opened 6/1/2011 6/1/2011 6/6/2011
Account Status Open Open Open
Mo. Payment
Payment Status Current Pays account as agreed Paid or paying as agreed
High Balance $2,821.00 $2,821.00
Limit
Terms Unknown
Comments
Student loan - payment deferred
STUDENT LOAN - PAYMENT
DEFERRED
Payment deferred
2010 2011 2012
MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
OK OK OK OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK
Month
Experian
Equifax
TransUnion
FIRST PREMIER BANK
Current

Account Name FIRST PREMIER BANK FIRST PREMIER FST PREMIER
Account # 517800632505XXXX 517800632505XXXX 51780063XXXX
Account Type Credit Card Revolving or Option Revolving account
605-357-3440 Balance $233.00 $233.00 $233.00
601 S MINNESOTA AVE
SIOUX FALLS, SD 57104
Past Due $0.00
Date Opened 11/1/2010 11/1/2010 11/16/2010
Account Status Open Open Open
Mo. Payment $30.00 $30.00 $30.00
Payment Status Current Pays account as agreed Paid or paying as agreed
High Balance $319.00 $319.00
Limit $300.00 $300.00 $300.00
Terms Revolving Minimum
Comments

CREDIT CARD

2010 2011 2012
JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Month
Experian
Equifax
TransUnion

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 9 of 10 Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Cards, Loans & Other Debt
Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
VECTRA BANK COLORADO
Current

Account Name VECTRA BANK COLORADO VECTRA BANK
Account # 1301442000400XXXX 1301442000400XXXX
Account Type Auto Loan Installment
303-782-7500 Balance $0.00 $0.00
1650 S COLORADO BLVD
DENVER, CO 80222
Past Due $0.00
Date Opened 7/1/1998 7/1/1998
Account Status Closed Open
Mo. Payment $280.00
Payment Status Paid satisfactorily Pays account as agreed
High Balance $13,598.00
Limit
Terms 60 Months
Comments Credit line closed-consumer request-
reported by subscriber

2001 2002 2003
AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Month
Experian
Equifax
TransUnion
CITI AUTO
Current Closed

Account Name CITI AUTO CITIFINANCIAL AUTO CITI AUTO
Account # 431991XXXX 431991XXXX 431991XXXX
Account Type Auto Loan Installment Installment account
800-486-1750 Balance $0.00 $0.00
2208 HIGHWAY 121 STE 100
BEDFORD, TX 76021
Past Due $0.00
Date Opened 1/1/2008 1/1/2008 1/1/2008
Account Status Closed Closed Closed
Mo. Payment $334.00 $334.00
Payment Status Paid, was past due 180 days or more Pays account as agreed Paid or paying as agreed
High Balance $17,040.00 $17,040.00
Limit
Terms 72 Months 72 Months
Comments

PAID ACCOUNT / ZERO BALANCE

AUTO
Closed
2008 2009 2010
MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB
OK OK OK OK OK OK OK OK OK OK 30 60 120 120 120 120
OK OK OK OK OK OK OK OK OK 30 60 90 120 120 120 120
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 90 120 120 120
Month
Experian
Equifax
TransUnion

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 10 of 10 Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Cards, Loans & Other Debt
Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
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 Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page Legend Credit Score

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Score
Your Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and
TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.
About your PLUS Score:

Your PLUS Score is formulated using the information in your credit file. 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 Score
SM
, 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 lenders 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.

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Score
Your Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and
TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.

566 548

521

Poor

Your Experian PLUS Score Explanation

Percentile: Your credit rating ranks higher than 11.39% of U.S. consumers.
What factors RAISE you PLUS Score:
G Credit cards are considered "maxed-out" when you have spent 90% or
more of the credit limit. Lenders view you as someone who uses their
credit responsibly and spends only what they can afford.
G Credit Cards allow you to both spend money and decrease debt;
unlike mortgages or installment loans where you only decrease debt.
Lenders like to see multiple credit cards on your credit report,
because they are able to use them to better determine your ability to
manage your spending.
G You do not have any Public Records (i.e. bankruptcies, tax liens, and
court judgments) on your credit report. Lenders see these issues as
major barriers to extending additional credit.
What factors LOWER you PLUS Score:
G Missing payments is the most damaging thing you can do to your
credit. The purpose of a credit score is to help lenders predict whether
or not you will miss payments in the future, so even a single missed
payment can significantly lower your score.
G You have spent more than half of the credit that has been extended to
you, and lenders see this as a sign of irresponsible credit behavior.
Ideally, you would pay off your balances every month or at least keep
your credit-to-debt ratio under 15%.
G Lenders understand that it is much easier to manage a small amount
of credit vs. a large amount of credit. Your relatively low credit limits
signal to lenders that you have not had experience managing large
amounts of credit, which makes them worried about extending more
credit to you.
G Lenders recognize that obtaining and maintaining a mortgage
requires more skill and discipline than other account types. People
who have mortgages and pay them on time see an increase in their
credit worthiness.
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 1 of 3

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Score
Your Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and
TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.

566 548

521

Very Poor

Your EquiFax PLUS Score Explanation

Percentile: Your credit rating ranks higher than 6.27% of U.S. consumers.
What factors RAISE you PLUS Score:
G Credit cards are considered "maxed-out" when you have spent 90% or
more of the credit limit. Lenders view you as someone who uses their
credit responsibly and spends only what they can afford.
G Credit Cards allow you to both spend money and decrease debt;
unlike mortgages or installment loans where you only decrease debt.
Lenders like to see multiple credit cards on your credit report,
because they are able to use them to better determine your ability to
manage your spending.
G You do not have any Public Records (i.e. bankruptcies, tax liens, and
court judgments) on your credit report. Lenders see these issues as
major barriers to extending additional credit.
What factors LOWER you PLUS Score:
G Missing payments is the most damaging thing you can do to your
credit. The purpose of a credit score is to help lenders predict whether
or not you will miss payments in the future, so even a single missed
payment can significantly lower your score.
G You have spent more than half of the credit that has been extended to
you, and lenders see this as a sign of irresponsible credit behavior.
Ideally, you would pay off your balances every month or at least keep
your credit-to-debt ratio under 15%.
G Lenders understand that it is much easier to manage a small amount
of credit vs. a large amount of credit. Your relatively low credit limits
signal to lenders that you have not had experience managing large
amounts of credit, which makes them worried about extending more
credit to you.
G Every time you apply for a loan, credit card, or retail card an inquiry is
recorded on your credit report. Having a lot of inquiries on your credit
report worries lenders, because it is a sign that you may use credit
and loans to supplement your income, and might be spending beyond
your means.
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 2 of 3

CHAD M MCQUARRIE
Report As Of: 7/9/2012
Credit Score
Your Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and
TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.

566 548

521

Very Poor

Your TransUnion PLUS Score Explanation

Percentile: Your credit rating ranks higher than 2.26% of U.S. consumers.
What factors RAISE you PLUS Score:
G Credit cards are considered "maxed-out" when you have spent 90% or
more of the credit limit. Lenders view you as someone who uses their
credit responsibly and spends only what they can afford.
G Credit Cards allow you to both spend money and decrease debt;
unlike mortgages or installment loans where you only decrease debt.
Lenders like to see multiple credit cards on your credit report,
because they are able to use them to better determine your ability to
manage your spending.
G You do not have any Public Records (i.e. bankruptcies, tax liens, and
court judgments) on your credit report. Lenders see these issues as
major barriers to extending additional credit.
What factors LOWER you PLUS Score:
G Missing payments is the most damaging thing you can do to your
credit. The purpose of a credit score is to help lenders predict whether
or not you will miss payments in the future, so even a single missed
payment can significantly lower your score.
G While a short credit history does not mean that you have been
irresponsible with your credit, it does make it more difficult for lenders
to be confident in your ability to make future payments because you
have not stood the test of time.
G You have spent more than half of the credit that has been extended to
you, and lenders see this as a sign of irresponsible credit behavior.
Ideally, you would pay off your balances every month or at least keep
your credit-to-debt ratio under 15%.
G Lenders understand that it is much easier to manage a small amount
of credit vs. a large amount of credit. Your relatively low credit limits
signal to lenders that you have not had experience managing large
amounts of credit, which makes them worried about extending more
credit to you.
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 3 of 3