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Credit
Report Prepared for:
JOHN
SAMPLE
| Prepared on: 8/27/2002 |
Expires on: 9/26/2002
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| Personal
Information |
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This segment of your credit report contains
names and aliases, Social Insurance Number, Date-of-Birth
information and telephone number etc. This information is
updated regularly and will always appear on your credit report. |
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Credit Report Prepared on:
Credit Report Expires on:
Surname:
Given Name:
Also Known As:
SIN:
Date of Birth:
Telephone:
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Date you applied for your credit report
Date your credit report will be updated
Last name
First name
Nickname, second name
Social Insurance Number
Birth date
Current telephone #
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| Residence(s) |
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This segment of your credit report
contains information regarding your residences listed in order
of most current to least current. This information remains on
your credit report indefinitely. |
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Address(s):
City:
Province:
Postal Code:
Since:
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Address as appears on credit report (most
recent on top)
City of address
Province of address
Postal Code of address
Date you moved to address
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| Employment
Records |
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This segment of your credit report contains all information
pertaining to your employment status to date. This information
is updated regularly and will always appear on your credit
report.
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Employer Name:
Occupation:
Since:
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Your current employer (Most recent on top)
Job description/Title
Date first employed through said company
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| Credit
Summary |
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Date
Credit File Opened:
Date Credit File Last Updated:
Total Credit Limit on all Accounts:
Total Balance on all Accounts:
Total Monthly Payment Amount:
Total Number of Accounts of File:
Number of Accounts Paid as Agreed:
Number of Accounts with Late Payments:
Credit Utilization:
Installment:
Total Installment Account Balance:
Total Installment Amount Monthly:
Total Installment Amount due less
120 days:
Total Installment Amount due over
120 days:
Revolving:
Total Revolving Account Balance:
Total Revolving Amount Monthly:
Total Revolving Amount due less
120 days:
Total Revolving Amount due over
120 days:
Times 30+ days delinquent:
Times 60+ days delinquent:
Times 90+ days delinquent:
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Date Credit file began
Date of most recent update
Total available credit limit
Total outstanding balance
Total monthly payments
Total account recorded on file
Account paid up-to-date
Accounts behind in payments
Percentage of available credit being used
Installments have a fixed term with regular payments
Total balance of all installment accounts
Total monthly payments due for installment accounts
Total installment payments overdue less 120 days
Total installment payments overdue 120 days
Revolving accounts have open terms and varying payments
Total balance of all installment accounts
Total monthly payments due for installment accounts
Total installment payments overdue less 120 days
Total installment payments overdue 120 days
Total times Payments made 30 days late
Total times Payments made 60 days late
Total times Payments made 90 days late
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| Account
Information |
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This segment of your credit report outlines your consumer
credit activity and related accounts. It contains information on
all installment, revolving and mortgage. It reflects your
payment history, your method of payment and balance totals. This
information is retained on your credit report for up to 6 years.
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Creditor's Name:
Creditor's Phone Number:
Account Type:
Account Number:
Date Opened:
Credit Limit:
Account Balance:
Date Balance Last Updated:
Minimum Payment Amount:
Past Due Amount:
Months History Reported:
Credit Rating:
Payment History on this Account:
30 Days Late:
60 Days Late:
90+ Days Late:
Type of Account:
Revolving or Option:
Open Account:
Installment:
Mortgage:
Manner of Payment:
Too New to Rate:
Approved, But Not Used:
Making Regular Payments Under a
Consolidation Order or Similar
Arrangement:
Repossession:
Bad debt, placed for collection, skip:
Comments:
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Company with whom you have an account or credit
Company Telephone contact number.
I=Installment R=Revolving
Number placed on your account (may only have last 4 #'s if not
entered by you when filling out report request form)
Date account opened with said lender
Credit limit placed on particular account
Current Balance on said account.
Date creditor updated balance
Minimum amount due at set term
Amount owing overdue
Number of month's account reported to credit bureau
Very Poor, Poor, Fair, Good or Excellent
Provides payment patterns for maximum of 24 months.
Number of times person pays (or paid) in more than 30 days,
but not more than 60 days, or only one payment past due.
Number of times person pays (or paid) in more than 60 days,
but not more than 90 days, or two payments past due.
Number of times person pays (or paid) in more than 90 days,
but not more than 120 days, or three or more payments past
due.
There are three types of acounts; installment, revolving and
mortgage
You have a credit limit but are permitted to repay in various
ways. Example- credit card
Payment in full required within 30,60 or 90 days
Repayment in a number of payments and fixed amount
This is a mortgage account
As reported by credit grantor
Account opened to recently to report payment record
An account/credit was approved but not used
Making regular payments under a Consolidation order or similar
Payments being made through a consumer credit counseling
agency or similar
Something you owed was taken to pay overdue debt
You have not paid debt as agreed, a collection agency has been
given your account, creditor cannot locate you for repayment
of loan/credit.
Comments made by credit grantors in regards to this account
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| Collections |
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This segment of your credit report outlines
any collection activity implemented by your creditors. Your
credit accounts can be sent to a collection agency if you fail
to pay the credit according to the terms of your payment
agreement. This information remains on your credit report for up
to 6 years. |
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Collection Agency Name:
Collection Agency Phone Number:
Date Reported:
Date information Last Updated:
Total Amount:
Balance:
Collection Status:
Date Status Last Updated:
Comments:
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Name of collection agency and original creditor if provided
Telephone number of agency
Date in which the original creditor reported that your account
had gone to a collections division or agency
Last update by Agency
Original amount due to the creditor
Current balance due including any payments, credits, service or
interest charges
Current state the Collection stands
Last status update by Agency
Status and or additional information regarding the progress of
the collection efforts
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Legal
Items
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This segment of your credit report
outlines the assets, which you have purchased through a
financial institution. An example would be if you lease and
automobile through a dealership or manufacturer's financing
program. The leaser maintains ownership of the automobile until
the balance is paid in full. The automobile is considered a
registered item. This information is retained on your credit
report for up to 6 years. |
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Plaintiff's Name:
Court Case Reference Number:
Lawyer's Name:
Date Reported:
Amount Disputed:
Status of Dispute:
Date Status was Updated:
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Legal name and location of financial institution
Court number assigned to case
Name of Lawyer representing the Agency
Date on which the item was reported
Original balance due on the item
Current state the Legal item stands
Last status update by Plaintiff
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| Bankruptcies |
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This segment of your credit report
outlines any reported bankruptcy filings by you. Bankruptcy
filings can remain on your credit report for 6 to 13 years
depending on how many times you have filed. |
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Trustee Information:
Court Information:
Court Case Number:
Date Reported:
Asset Value:
Status:
Date Status Last Updated:
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Name and address of trustee
Court designation
Court number assigned to case
Date reported by the creditor
Net worth at time of filing less liability amount
Current state the bankrupcy stands
Last status update by court
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| Credit
References |
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Name of Reference:
Reference Phone Number:
Reference Date:
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Name of lending institution with which you have a loan
Reference telephone contact number
Date reported to credit bureau
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| Credit
Checks |
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This segment of your credit report
lists the number of inquiries made by credit grantors and others
who may extend a benefit to you. This information remains on
your credit report for a minimum of 3 years. |
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Company Name:
Company Phone Number:
Date of Inquiry:
Reason for Inquiry:
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The name and telephone number if provided of the creditor
The date on which the listed creditor viewed your credit report
Reason for credit check
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| Consumer
Statements and Notes |
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This segment of your credit report
provides creditors with information that you wish to add to your
file. You may use this area to add your own explanations for
late payments, change of employers or any other portions of your
credit report that are accurate, but you feel warrants
additional information. This information remains on your credit
report for up to 6 years.
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Notes/Statements:
Date Note was Added to Credit File:
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The
text that you submitted, as approved by
Date statement/notes was updated
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