Disputes Demo
- Table of Contents
- Personal Information
- Report Summary
- Bankruptcy & Court Judgments
- Credit Inquiries
- Credit Cards & Loans
- Credit Score

Credit Report Prepared For:
BOBBY F BARKER
Report as Of: 2/26/2016
BOBBY F BARKER
Report As Of: 2/26/2016
Table of Contents
Personal Information | 3 |
Report Summary | 4 |
Bankruptcy & Court Judgments | 5 |
Credit Inquiries | 6 |
Credit Cards, Loans & Other Debt | 13 |
Credit Score | 29 |
BOBBY F BARKER
Report As Of: 2/26/2016
Personal Information
Here you will find your personal information, including your legal name(s), year of birth, currenty and previous addresses, and current and previous employers.
Profile |
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Name | BOBBY F BARKER | BOBBY F BARKER | BOBBY F BARKER |
(Also Known As) AKA | BOBBY F BAKER | ||
Year of Birth | 1958 | 1958 | 1958 |
Address(es) | 124 SPRING ST, JONESBORO, GA 30236-3556 | 124 SPRING ST, JONESBORO, GA 30236 | 124 SPRING ST, JONESBORO, GA 30236 |
Current Employer | DS UBITY MBC | BB CONS | DS UBITY MBC |
Previous Employer | BM CONTRACTORS | HENRY CTY SCHOOLS |
Personal Statement |
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This space is reserved for statements of dispute. For most consumers, no information appears in this section. |
Personal Information Page 1 of 1 | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
Report Summary
Here you will find a summary of all your open and closed accounts, including any delinquencies. Open accounts contain current balances at the time the report was pulled. Account totals, including total debt, are found at the end of this section.
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![]() Real Estate Current Account(s) |
Count | 0 | 0 | 0 |
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Balance | $0.00 | $0.00 | $0.00 | |
Current | 0 | 0 | 0 | |
Delinquent | 0 | 0 | 0 | |
Other | 0 | 0 | 0 | |
![]() Revolving Current Account(s) |
Count | 2 | 3 | 3 |
Balance | $506.00 | $653.00 | $653.00 | |
Current | 1 | 1 | 1 | |
Delinquent | 1 | 2 | 2 | |
Other | 0 | 0 | 0 | |
![]() Installments Current Account(s) |
Count | 6 | 7 | 7 |
Balance | $111,676.00 | $110,662.00 | $110,662.00 | |
Current | 4 | 7 | 6 | |
Delinquent | 2 | 0 | 0 | |
Other | 0 | 0 | 1 | |
![]() Other Current Account(s) |
Count | 0 | 2 | 0 |
Balance | $0.00 | $1,014.00 | $0.00 | |
Current | 0 | 0 | 0 | |
Delinquent | 0 | 1 | 0 | |
Other | 0 | 1 | 0 | |
![]() Collections Current Account(s) |
Count | 4 | 2 | 3 |
Balance | $1,382.00 | $872.00 | $1,310.00 | |
Current | 0 | 0 | 0 | |
Delinquent | 4 | 2 | 0 | |
Other | 0 | 0 | 0 |
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![]() All Accounts Current Account(s) |
Count | 12 | 14 | 13 |
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Balance | $113,564.00 | $113,201.00 | $112,625.00 | |
Current | 5 | 8 | 7 | |
Delinquent | 7 | 5 | 2 | |
Other | 0 | 1 | 1 |
Personal Information | Report Summary Page 1 of 1 | Bankruptcies | Credit Inquiries | Credit Cards & Loans | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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4/2/2010
2009CM14155
CLAYTON CO MAGISTRATE
NORMAN JONES
2000
$2,000.00
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Personal Information | Report Summary | Bankruptcies Page 1 of 1 | Credit Inquiries | Credit Cards & Loans | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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SYNCB
9/2/2015
Sales Financing Company
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CAPITAL ONE AUTO FIN
7/30/2015
Auto Financing Companies
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FIRST INVESTORS FIN
7/30/2015
Auto Financing
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EXETER FIN
7/30/2015
Finance, personal
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SANTANDER CONSUMER USA
7/30/2015
Finance Companies - non specific
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AMERICREDIT FINANCIA
7/30/2015
Auto Financing
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COAF
7/30/2015
Finance, personal
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CONSUMER PORTFOLIO SVC
7/30/2015
Auto Financing Companies
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CONSUMER PORTFOLIO S
7/30/2015
Auto Financing
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries Page 1 of 7 | Credit Cards & Loans | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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KIA OF UNION CITY INC
7/30/2015
Automobile Dealers, New
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KIA OF UNION CITY
7/30/2015
Automobile Dealers, New
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KIA OF UNION
7/30/2015
Automotive
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CARFINANCE.COM
7/30/2015
Auto Financing Companies
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COMMERCIAL RCVY SYS
10/20/2014
Other Collection Agencies
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CONSUMER PORTFOLIO SVC
9/29/2014
Auto Financing Companies
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CONSUMER PORTFOLIO S
9/29/2014
Auto Financing
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries Page 2 of 7 | Credit Cards & Loans | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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PRESTIGE FINANCIAL SVC
9/29/2014
Auto Financing Companies
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PRESTIGE FINANCIAL S
9/29/2014
Auto Financing
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PRESTIGE FIN
9/29/2014
Finance, personal
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NOWCOM/WESTLAKE FINANC
9/10/2014
Auto Financing Companies
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CARFINANCE CAPITAL L
9/10/2014
Auto Financing
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SANTANDER CONSUMER USA
9/10/2014
Finance Companies - non specific
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GM FINANCIAL
9/10/2014
Auto Financing
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COAF
9/10/2014
Finance, personal
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CDK/HERITAGE CADILLAC
9/10/2014
Automobile Dealers, New
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HERITAGE CADILLAC, I
9/10/2014
Automobile Dealers, New
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HERITAGE CAD
9/10/2014
Automotive
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries Page 3 of 7 | Credit Cards & Loans | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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CARFINANCE.COM
9/10/2014
Auto Financing Companies
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WELLS FARGO DEALER S
9/10/2014
Auto Financing
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CAPITAL ONE AUTO FIN
9/10/2014
Auto Financing Companies
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CAPITAL ONE
9/10/2014
Auto Financing
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SYNCB
7/10/2014
Sales Financing Company
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TERRY CULLEN SOUTHLA
10/19/2015
Automobile Dealers, New
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TERRY CULLEN
10/19/2015
Automotive
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries Page 4 of 7 | Credit Cards & Loans | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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CAPITAL ONE
7/30/2015
Auto Financing
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REGIONAL ACCEPTANCE
7/30/2015
Personal Loans Cos.
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NMAC
7/30/2015
Auto Financing
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COMCAST-ATLANTA
1/21/2015
Telephone Companies
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries Page 5 of 7 | Credit Cards & Loans | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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SAFCO
9/29/2014
Auto Financing
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REGIONAL ACCEPTANCE
9/29/2014
Personal Loans Cos.
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GLOBAL LENDING SERVI
9/29/2014
Auto Financing
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C & F FINANCE COMPAN
9/29/2014
Auto Financing
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries Page 6 of 7 | Credit Cards & Loans | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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ALLY FINANCIAL
9/10/2014
Auto Financing
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AT & T SERVICES INC
4/29/2014
Telephone Companies
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FLAGSHIP CRE
7/30/2015
Finance, personal
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries Page 7 of 7 | Credit Cards & Loans | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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24 Month Payment History |
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 1 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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24 Month Payment History |
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24 Month Payment History |
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 2 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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24 Month Payment History |
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24 Month Payment History |
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 3 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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24 Month Payment History |
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24 Month Payment History |
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 4 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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24 Month Payment History |
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24 Month Payment History |
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 5 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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24 Month Payment History |
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24 Month Payment History |
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 6 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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24 Month Payment History |
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24 Month Payment History |
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 7 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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24 Month Payment History |
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 8 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 9 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 10 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 11 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 12 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 13 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 14 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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.
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page 15 of 15 | Credit Score |
BOBBY F BARKER
Report As Of: 2/26/2016
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 |
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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 |
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Personal Information | Report Summary | Bankruptcies | Credit Inquiries | Credit Cards & Loans Page Legend | Credit Score |

BOBBY F BARKER
Report As Of: 2/26/2016
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 each have their own set of data in your credit file. That's why Credit Scores may vary between bureaus.
About your FICO ® Score:
Your FICO Score powered by Experian data is formulated using the information in your credit file. Your FICO Score can range between 300 and 850, 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, cinsistency, and better terms and rates for American consumers through reduced costs and losses for lenders. While lenders may use different scoring modles to determine how you score, and each major credit bureah 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.
DISCLAIMER
FICO Scores are developed by Fair Isaac Corporation. The FICO Score provided by Experian is based on the FICO 8 scoring model and is powered by Experian credit data. Many but not all lenders use the FICO 8 scoring model.
There are many different credit scoring models that can give a different assessment of the credit risk (risk of default) for the same consumer and credit file. Your lender or insurer may use a different FICO Score than FICO 8, or another type of credit score altogether. Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of FICO 8 could vary from the score used by your lender. The statements that “90% of top lenders use FICO Scores” and “FICO Scores are used in 90% of credit decisions” are based on a third-party study of all versions of FICO Scores sold to lenders, including but not limited to scores based on the FICO 8 scoring model.
FICO 8 scores range from 300 to 850. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower FICO Score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies—Experian, TransUnion and Equifax—that maintain a record of your credit history known as your credit file. Your FICO Score is based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your FICO Score can vary if the information they have on file for you is different. Since the information in your file can change over time, your FICO Score may also change.

BOBBY F BARKER
Report As Of: 2/26/2016
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.
562 |
598 |
597 |
Poor |
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Your FICO ® Score Powered by Experian Explanation
What factors RAISE your FICO ® Score:
Your FICO® Score measures the age of your oldest account and the average age of your accounts. Your FICO® Score was helped because you have a relatively long credit history and you haven't recently opened many new accounts.
What factors LOWER your FICO ® Score:
The presence of a serious delinquency, public record (such as a bankruptcy or tax lien) and/or collection are powerful predictors of future payment risk. If these are valid, satisfying the public record or paying off the collection will not remove them from your credit report. The fact that they occurred is still predictive of future payment risk and will be considered by your FICO® Score. However as these items age and fall off of your credit report, their impact on your score will gradually decrease. Most public records, collections and delinquencies stay on your report for no more than seven years - though there are certain items that could remain longer.
Your FICO® Score evaluates your revolving credit balances in relation to your credit limits on those accounts. In your case, this ratio of balances to credit limits is too high.
The recency of a public record (such as a bankruptcy or tax lien) and/or a collection is a powerful predictor of future payment risk. If this item is valid, satisfying the public record or paying off the collection will not remove it from your credit report. The fact that it occurred is still predictive of future payment risk and will be considered by your FICO® Score. However, as the item ages and falls off of your credit report, its impact on your score will gradually decrease. Most public records and collections stay on your report for no more than seven years - though there are certain items that could remain longer.
If you missed a payment, your FICO® Score evaluates how recently that missed payment occurred. In general, the more recent the missed payment, the more impact it has on your score. In your case, your last missed payment happened recently.
Personal Information |
Report Summary |
Bankruptcies |
Credit Inquiries |
Credit Cards & Loans |
Credit Score Page 1 of 3 |

BOBBY F BARKER
Report As Of: 2/26/2016
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.
562 |
598 |
597 |
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Fair |
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Your Equifax FICO ® Score Explanation
What factors RAISE your FICO ® Score: |
What factors LOWER your FICO ® Score: |
Personal Information |
Report Summary |
Bankruptcies |
Credit Inquiries |
Credit Cards & Loans |
Credit Score Page 2 of 3 |

BOBBY F BARKER
Report As Of: 2/26/2016
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.
562 |
598 |
597 |
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|
Fair |
Your TransUnion FICO ® Score Explanation
What factors RAISE your FICO ® Score:
Your FICO® Score measures the age of your oldest account and the average age of your accounts. Your FICO® Score was helped because you have a relatively long credit history and you haven't recently opened many new accounts.
What factors LOWER your FICO ® Score:
The presence of a serious delinquency, public record (such as a bankruptcy or tax lien) and/or collection are powerful predictors of future payment risk. If these are valid, satisfying the public record or paying off the collection will not remove them from your credit report. The fact that they occurred is still predictive of future payment risk and will be considered by your FICO® Score. However as these items age and fall off of your credit report, their impact on your score will gradually decrease. Most public records, collections and delinquencies stay on your report for no more than seven years - though there are certain items that could remain longer.
Your FICO® Score evaluates your revolving credit balances in relation to your credit limits on those accounts. In your case, this ratio of balances to credit limits is too high.
Your FICO® Score measures the age of your oldest revolving account and the average age of your revolving accounts. In your case, either your oldest revolving account was opened recently or the average age of your revolving accounts is relatively low. People who do not frequently open new accounts and have longer credit histories generally pose less risk to lenders. Therefore, as your credit history lengthens and you pay your bills on time, this factor should have less of a negative impact on your score.
The recency of a public record (such as a bankruptcy or tax lien) and/or a collection is a powerful predictor of future payment risk. If this item is valid, satisfying the public record or paying off the collection will not remove it from your credit report. The fact that it occurred is still predictive of future payment risk and will be considered by your FICO® Score. However, as the item ages and falls off of your credit report, its impact on your score will gradually decrease. Most public records and collections stay on your report for no more than seven years - though there are certain items that could remain longer.
Personal Information |
Report Summary |
Bankruptcies |
Credit Inquiries |
Credit Cards & Loans |
Credit Score Page 3 of 3 |