Sample Credit Report | Free Annual Credit Report | Experian Credit Report | Experian Credit Score

Report number:
Online Personal Credit Report from Experian for You will need your report
Index: number to contact Experian
Experian credit report prepared for - Potentially negative items online, by phone or by mail.
JOHN Q CONSUMER - Accounts in good standing
Your report number is
- Requests for your credit history
1562064065 1 - Personal information
Report date:
- Important message from Experian Index:
04/24/2012 2
- Contact us
Navigate through the
Experian collects and organizes information about you and your credit history from public records, your creditors and other reliable sources. sections of your credit report
Experian makes your credit history available to your current and prospective creditors, employers and others as allowed by law, which can using these links.
expedite your ability to obtain credit and can make offers of credit available to you. We do not grant or deny credit; each credit grantor makes
that decision based on its own guidelines.

To return to your report in the near future, log on to www..experian.com/consumer and select View your report again or Dispute and then enter Potentially negative
your report number. items:
If you disagree with information in this report, return to the Report Summary page and follow the instructions for disputing. Items that creditors may
view less favorably. It
Potentially Negative Items 3 includes the creditor's name
and address, your account
Public Records number (shortened for
security), account status,
Credit grantors may carefully review the items listed below when they check your credit history. Please note that the account information type and terms of the
connected with some public records, such as bankruptcy, also may appear with your credit items listed later in this report.
account and any other
MAIN COUNTY CLERK information reported to
Address: Identification Number: Plaintiff: Experian by the creditor.
123 MAINTOWN S 1 ANY COMMISSIONER O. Also includes any
BUFFALO , NY 10000
bankruptcy, lien and
judgment information
Status: Status Details:
Civil claim paid. This item was verified and updated in Apr 2012.
obtained directly from the
courts.
Date Filed: Claim Amount:
10/15/2012 $200
Date Resolved: Liability Status:
03/04/2012 Amount:
Indicates the current status
NA
Responsibility: of the account.
INDIVIDUAL

Credit Items
For your protection, the last few digits of your account numbers do not display.

ABCD BANKS
Address: Account Number: If you believe information in
100 CENTER RD 1000000.... your report is inaccurate,
BUFFALO, NY 10000
(555) 555-5555
you can dispute that item
quickly, effectively and cost
Status: Paid/Past due 60 days. 4 free by using Experian's
online dispute service
Date Opened: Type: Credit Limit/Original Amount: located at:
10/2012 Installment $523
Reported Since: Terms: High Balance: www.experian.com/disputes
11/2012 12 Months NA
Date of Status: Monthly Recent Balance: Disputing online is the
04/2012 Payment: $0 as of 04/2012 fastest way to address any
$0 Recent Payment: concern you may have
Last Reported: Responsibility: $0 about the information in
04/2012 Individual your credit report.

Account History:
60 days as of 12-2012
30 days as of 11-2012
MAIN COLL AGENCIES
Address: Account Number: Original Creditor:
PO BOX 123 0123456789 TELEVISE CABLE COMM.
ANYTOWN, PA 10000
(555) 555-5555
Status: Collection account. $95 past due as of 4-2012.

Date Opened: Type: Credit Limit/Original Amount:

01/2005 Installment $95
Reported Since: Terms: High Balance:
04/2012 NA NA
Date of Status: Monthly Recent Balance:
04/2012 Payment: $95 as of 04/2012
$0 Recent Payment:
Last Reported: Responsibility: $0
04/2012 Individual

Your statement: ITEM DISPUTED BY CONSUMER Accounts in good

standing:
Account History: Lists accounts that have a
Collection as of 4-2012 positive status and may be
viewed favorably by
creditors. Some creditors
do not report to us, so some
of your accounts may not be
Accounts in Good Standing 5 listed.
AUTOMOBILE AUTO FINANCE
Address: Account Number:
100 MAIN ST E 12345678998....
SMALLTOWN, MD 90001 Type:
(555) 555-5555
Status: Open/Never late. Account type indicates
whether your account is a
revolving or an installment
Date Opened: Type: Credit Limit/Original Amount:
01/2006 Installment 6 $10,355
account.
Reported Since: Terms: High Balance:
01/2012 65 Months NA
Date of Status: Monthly Recent Balance:
04/2012 Payment: $7,984 as of 04/2012
$210 Recent Payment:
Last Reported: Responsibility: $0
04/2012 Individual

MAIN
Address: Account Number:
PO BOX 1234 1234567899876
FORT LAUDERDALE, FL 10009
Status: Closed/Never late.

Date Opened: Type: Credit Limit/Original Amount:

03/1997 Revolving NA
Reported Since: Terms: High Balance:
03/2012 1 Months $3,228
Date of Status: Monthly Recent Balance:
08/2012 Payment: $0 /paid as of 08/2012
$0 Recent Payment:
Last Reported: Responsibility: $0
08/2012 Individual

Your statement:
Account closed at consumer's request
Requests for Your Credit History 7
Requests Viewed By Others
Requests for your credit
We make your credit history available to your current and prospective creditors and employers as allowed by law. Personal data about you
may be made available to companies whose products and services may interest you.
history:

The section below lists all who have requested in the recent past to review your credit history as a result of actions involving you, such as the Also called inquiries,
completion of a credit application or the transfer of an account to a collection agency, application for insurance, mortgage or loan application, requests for your credit
etc. Creditors may view these requests when evaluating your creditworthiness. history are logged on your
report whenever anyone
HOMESALE REALTY CO
Address: Date of Request:
reviews your credit
2000 S MAINROAD BLVD STE 07/16/2012 information. There are two
ANYTOWN CA 11111 types of inquiries.
(555) 555-5555
Comments: i.
Real estate loan on behalf of 3903 MERCHANTS EXPRESS M. This inquiry is scheduled to continue on record until 8-2014.
Inquiries resulting from a
transaction initiated by you.
M & T BANK These include inquiries
Address: Date of Request: from your applications for
PO BOX 100 02/23/2006
BUFFALO NY 10000
credit, insurance, housing
(555) 555-5555 or other loans. They also
Comments: include transfer of an
Permissible purpose. This inquiry is scheduled to continue on record until 3-2008. account to a collection
agency. Creditors may
WESTERN FUNDING INC view these items when
Address: Date of Request: evaluating your
191 W MAIN AVE STE 100 01/25/2006 creditworthiness.
INTOWN CA 10000
(559) 555-5555
Comments:
ii.
Permissible purpose. This inquiry is scheduled to continue on record until 2-2008. Inquiries resulting from
transactions you may not
have initiated but that are
allowed under the FCRA.
Requests Viewed Only By You
These include preapproved
offers, as well as for
The section below lists all who have a permissible purpose by law and have requested in the recent past to review your information. You may
not have initiated these requests, so you may not recognize each source. We offer information about you to those with a permissible purpose, employment, investment
for example, to: review, account monitoring
by existing creditors, and
l other creditors who want to offer you preapproved credit; requests by you for your
l an employer who wishes to extend an offer of employment; own report. These items
a potential investor in assessing the risk of a current obligation;
are shown only to you and
l

l Experian or other credit reporting agencies to process a report for you;

l your existing creditors to monitor your credit activity (date listed may reflect only the most recent request). have no impact on your
creditworthiness or risk
We report these requests only to you as a record of activities. We do not provide this information to other creditors who evaluate your scores.
creditworthiness.

MAIN BANK USA

Address: Date of Request:
1 MAIN CTR AA 11 08/10/2012
BUFFALO NY 14203

MYTOWN BANK
Address: Date of Request:
PO BOX 825 08/05/2006
MYTOWN DE 10000
(555) 555-5555

INTOWN DATA CORPS

Address: Date of Request:
2000 S MAINTOWN BLVD STE 07/16/2006
INTOWN CO 11111
(555) 555-5555
Personal Information 8 Personal information:
The following information is reported to us by you, your creditors and other sources. Each source may report your personal information Personal information
differently, which may result in variations of your name, address, Social Security number, etc. As part of our fraud prevention efforts, a associated with your history
notice with additional information may appear. As a security precaution, the Social Security number that you used to obtain this report is
not displayed. The Name identification number and Address identification number are how our system identifies variations of your name
that has been reported to
and address that may appear on your report. The Geographical Code shown with each address identifies the state, county, census tract, Experian by you, your
block group and Metropolitan Statistical Area associated with each address. creditors and other sources.

Names: Address: 123 MAIN STREET May include name and

JOHN Q CONSUMER ANYTOWN, MD 90001-9999 Social Security number
Name identification number: 15621 Address identification number: variations, employers,
JONATHON Q CONSUMER
0277741504
Type of Residence: Multifamily 9 telephone numbers, etc.
Name identification number: 15622 Experian lists all variations
Geographical Code: 0-156510-31-8840
so you know what is being
J Q CONSUMER reported to us as belonging
Name identification number: 15623 Address: 555 SIMPLE PLACE
ANYTOWN, MD 90002-7777 to you.
Social Security number variations: Address identification number:
0170086050
999999999 Type of Residence: Single family Address information:
Geographical Code: 0-176510-33-8840
Year of birth: Your current address and
1959
Address: 999 HIGH DRIVE APT 15B previous address(es)
Spouse or co-applicant: ANYTOWN, MD 90003-5555
Address identification number:
JANE
0170129301
Employers: Type of Residence: Apartment complex
ABCDE ENGINEERING CORP Geographical Code: 0-156510-31-8840

Telephone numbers: Personal statement:

(555) 555 5555 Residential
Any personal statement that
you added to your report
Your Personal Statement 10 appears here.

No general personal statements appear on your report. Note - statements remain as

part of the report for two
years and display to anyone
Important Message From Experian
who has permission to
By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Althou gh we do not review your report.
generally collect such information, it could appear in the name of a data furnisher (i.e., "Cancer Center") that reports your payment history to us.
If so, those names display in your report, but in reports to others they display only as MEDICAL PAYMENT DATA. Consumer statements
included on your report at your request that contain medical information are disclosed to others.

Contacting Us
Contact address and phone number for your area will display here.

Experian 2012. All rights reserved.

Experian and the Experian marks herein are service marks or registered trademarks of Experian.