CREDIT REPORTS KEY

UNDERSTANDING ABBREVIATIONS AND SIGNIFICANCES:

CONSUMER REFERRAL MESSAGE: CREDIT REPORTING AGENCY ADDRESS AND TELEPHONE NUMBER FOR CONSUMER CONTACT TO BE USED ON ADVERSE ACTION OR DECLINATION LETTERS

SINCE: DATE FILE WAS ESTABLISHED

FAD: DATE OF MOST RECENT ACTIVITY ON FILE

FN: FILE NUMBER FOR EQUIFAX INTERNAL USE ONLY

IDENTIFICATION:

SUBJECT NAME

CURRENT ADDRESS, ORIGIN AND DATE ADDED TO FILE

FORMER ADDRESS, ORIGIN AND DATE ADDED TO FILE

SECOND FORMER ADDRESS, ORIGIN AND DATE ADDED TO FILE

ALSO KNOWN AS (AKA)

FORMER NAME (FN)

BIRTH DATE, SSN, SSN VERIFIED - YES(Y) OR NO(N)

EMPLOYMENT:

ES- EMPLOYMENT SUBJECT

EF- EMPLOYMENT FORMER

E2- EMPLOYMENT FORMER SECOND

POSITION, FIRM, LOCATION, DATE EMPLOYED, DATE VERIFIED, DATE LEFT

SUMMARY OF FILE ITEMS:

00/00OLDEST OPEN DATE OF TRADE

00/00NEWEST REPORTED DATE OF TRADE

PR/01- YES, PUBLIC RECORDS PRESENT ON FILE

FB-NO WHEN FILE CONTAINS NO INFORMATION FROM CREDIT REPORTING COMPANIES NOT AFFILIATED WITH EQUIFAX

ACCTS (NUMBERS) FILE CONTAINS (NUMBERS) TRADE LINES

HC- HIGH CREDIT RANGE

4-ONES- FOUR TRADES IN FILE CODED ONE (SEE CODE DEFINITION BELOW)

1-TWO-ONE TRADE IN FILE CODED 2

PUBLIC RECORDS OR OTHER INFORMATION:

BKRPT- (BANKRUPTCY) DATE FILED, COURT HOUSE CUSTOMER NUMBER, CASE NUMBER AND DISPOSITION DATE, LIABILITIES, ASSETS, EXEMPT AMOUNT, FILER, TYPE, DISPOSITION AND CHAPTER NUMBER

COLL- (COLLECTION) DATE REPORTED, DATE ASSIGNED TO COLLECTION AGENCY, AGENCY CUSTOMER NUMBER, COLLECTION AGENCY AND AGENCY'S CLIENT, AMOUNT ORIGINALLY OWED, BALANCE, STATUS, DATE OF BALANCE, WHOSE ACCOUNT, ACCOUNT NUMBER

ST JD-(SATISFIED JUDGMENT) DATE FILED, COURTHOUSE CUSTOMER NUMBER, AMOUNT, DEFENDANT, CASE NUMBER, PLAINTIFF, DATE VERIFIED, STATUS, DATE SATISFIED

INQUIRIES:

INQS- ALERT APPEARS IF THREE OR MORE INQUIRIES OCCURRED WITHIN THE PAST 90 DAYS. CUSTOMER NAME, CUSTOMER NUMBER AND DATE INQUIRED ARE DISPLAYED. INQUIRIES RETAINED FOR TWO YEARS.

TRADE:

FIRST LINE

FIRM / ID CODE - NAME AND CUSTOMER NUMBER OF REPORTING COMPANY. AN ASTERISK (*) INDICATES TRADE INFORMATION SUPPLIED BY AUTOMATED TAPE SUPPLIER.

RPTD- DATE ITEM WAS REPORTED

OPND- DATE ACCOUNT WAS OPENED

H/C-HIGH CREDIT (FOR REVOLVING ACCOUNTS IT MAY INDICATE CREDIT LIMIT)

TRM- MONTHLY REPAYMENT AMOUNT OR NUMBER OF MONTHS OR YEARS

BAL-BALANCE OWED AS OF DATE REPORTED

P/D-PAST DUE AMOUNT AS OF REPORTED DATE

TYPE OF ACCOUNT:

R-REVOLVING ACCOUNT

O-OPEN ACCOUNT (30, 60 OR 90 DAYS)

I-INSTALLMENT ACCOUNT

CS-CURRENT STATUS OF ACCOUNT

CODE - DESCRIPTION

0- TOO NEW TO RATE, APPROVED BUT NOT USED

1- PAID AS AGREED, SATISFACTORY, CURRENT

2- PAYS 31-60 DAYS, NOT MORE THAN 2 PAYMENTS PAST DUE

3- PAYS 61-90 DAYS, NOT MORE THAN 3 PAYMENTS PAST DUE

4- PAYS 91-120 DAYS, NOT MORE THAN 4 PAYMENTS PAST DUE

5- PAYS OVER 120 DAYS, 5 OR MORE PAYMENTS PAST DUE

7- MAKING REGULAR PAYMENTS OR PAID UNDER WAGE EARNER PLAN OR SIMILAR ARRANGEMENTS

8- REPOSSESSION

9- CHARGED OFF OR BAD DEBT

MR- MONTHS REVIEWED

ACCOUNT NUMBER-SUBJECT'S ACCOUNT NUMBER WITH REPORTING COMPANY

TRADE:

SECOND LINE

30 (03) 60 (01) 90+(01)- NUMBER OF TIME ACCOUNT WAS 30, 60 OR 90+ DAYS LATE

07/01-R4, 06/01-R3, 05/01-R2- EXACT DATES OF LAST TWO DELINQUENCIES PLUS MOST SEVERE DELINQUENCY RATING IN LAST SEVEN YEARS

DLA- 03/01 - DATE OF LAST ACTIVITY IN THIS ACCOUNT

THIRD LINE

NARRATIVE CODE(S) DESCRIBES SPECIFIC ACCOUNT CONDITION