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  • Table of Contents
  • Personal Information
  • Report Summary
  • Bankruptcy & Court Judgments
  • Credit Inquiries
  • Credit Cards & Loans
  • Credit Score
Dispute Requested

Credit Report Prepared For:

BOBBY F BARKER

Report as Of: 2/26/2016

Page 1

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
Page 2

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

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

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
Page 3

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.

 

Real Estate

Current Account(s)

Count 0 0 0
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

 

All Accounts

Current Account(s)

Count 12 14 13
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
Page 4

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.

Judgment

Date Filed
Reference #
Court
Plaintiff
Liability
Asset Amount
4/2/2010
2009CM14155
CLAYTON CO MAGISTRATE
NORMAN JONES
2000
$2,000.00
Personal Information Report Summary Bankruptcies Page 1 of 1 Credit Inquiries Credit Cards & Loans Credit Score
Page 5

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.

SYNCB

Business Name
Inquiry Date
Business Type
BYMAILONLY
PO BOX 965033
ORLANDO, FL 32896
SYNCB
9/2/2015
Sales Financing Company

CAPITAL ONE AUTO FIN

Business Name
Inquiry Date
Business Type
8009460332
3905 N DALLAS PKWY
PLANO, TX 75093
CAPITAL ONE AUTO FIN
7/30/2015
Auto Financing Companies
FIRST INVESTORS FIN
7/30/2015
Auto Financing
EXETER FIN
7/30/2015
Finance, personal

SANTANDER CONSUMER USA

Business Name
Inquiry Date
Business Type
8669239282
8585 N STEMMOMS FWY
DALLAS, TX 75247
SANTANDER CONSUMER USA
7/30/2015
Finance Companies - non specific
AMERICREDIT FINANCIA
7/30/2015
Auto Financing
COAF
7/30/2015
Finance, personal

CONSUMER PORTFOLIO SVC

Business Name
Inquiry Date
Business Type
BYMAILONLY
16355 LAGUNA CANYON RD
IRVINE, CA 92618
CONSUMER PORTFOLIO SVC
7/30/2015
Auto Financing Companies
CONSUMER PORTFOLIO S
7/30/2015
Auto Financing
Personal Information Report Summary Bankruptcies Credit Inquiries Page 1 of 7 Credit Cards & Loans Credit Score
Page 6

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.

KIA OF UNION CITY INC

Business Name
Inquiry Date
Business Type
7709643454
4080 JONESBORO RD
UNION CITY, GA 30291
KIA OF UNION CITY INC
7/30/2015
Automobile Dealers, New
KIA OF UNION CITY
7/30/2015
Automobile Dealers, New
KIA OF UNION
7/30/2015
Automotive

CARFINANCE.COM

Business Name
Inquiry Date
Business Type
8009005150
7525 IRVINE CENTER DR ST
IRVINE, CA 92618
CARFINANCE.COM
7/30/2015
Auto Financing Companies

COMMERCIAL RCVY SYS

Business Name
Inquiry Date
Business Type
4694538190
671 E 18 ST
PLANO, TX 75074
COMMERCIAL RCVY SYS
10/20/2014
Other Collection Agencies

CONSUMER PORTFOLIO SVC

Business Name
Inquiry Date
Business Type
BYMAILONLY
16355 LAGUNA CANYON RD
IRVINE, CA 92618
CONSUMER PORTFOLIO SVC
9/29/2014
Auto Financing Companies
CONSUMER PORTFOLIO S
9/29/2014
Auto Financing
Personal Information Report Summary Bankruptcies Credit Inquiries Page 2 of 7 Credit Cards & Loans Credit Score
Page 7

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.

PRESTIGE FINANCIAL SVC

Business Name
Inquiry Date
Business Type
8018442100
1420 S 500 W
SALT LAKE CITY, UT 84115
PRESTIGE FINANCIAL SVC
9/29/2014
Auto Financing Companies
PRESTIGE FINANCIAL S
9/29/2014
Auto Financing
PRESTIGE FIN
9/29/2014
Finance, personal

NOWCOM/WESTLAKE FINANC

Business Name
Inquiry Date
Business Type
3236924040
4751 WILSHIRE BLVD
LOS ANGELES, CA 90010
NOWCOM/WESTLAKE FINANC
9/10/2014
Auto Financing Companies
CARFINANCE CAPITAL L
9/10/2014
Auto Financing

SANTANDER CONSUMER USA

Business Name
Inquiry Date
Business Type
8669239282
8585 N STEMMOMS FWY
DALLAS, TX 75247
SANTANDER CONSUMER USA
9/10/2014
Finance Companies - non specific
GM FINANCIAL
9/10/2014
Auto Financing
COAF
9/10/2014
Finance, personal

CDK/HERITAGE CADILLAC

Business Name
Inquiry Date
Business Type
7709600060
7134 JONESBORO RD
MORROW, GA 30260
CDK/HERITAGE CADILLAC
9/10/2014
Automobile Dealers, New
HERITAGE CADILLAC, I
9/10/2014
Automobile Dealers, New
HERITAGE CAD
9/10/2014
Automotive
Personal Information Report Summary Bankruptcies Credit Inquiries Page 3 of 7 Credit Cards & Loans Credit Score
Page 8

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.

CARFINANCE.COM

Business Name
Inquiry Date
Business Type
8009005150
7525 IRVINE CENTER DR ST
IRVINE, CA 92618
CARFINANCE.COM
9/10/2014
Auto Financing Companies
WELLS FARGO DEALER S
9/10/2014
Auto Financing

CAPITAL ONE AUTO FIN

Business Name
Inquiry Date
Business Type
8009460332
3905 N DALLAS PKWY
PLANO, TX 75093
CAPITAL ONE AUTO FIN
9/10/2014
Auto Financing Companies
CAPITAL ONE
9/10/2014
Auto Financing

SYNCB

Business Name
Inquiry Date
Business Type
BYMAILONLY
PO BOX 965033
ORLANDO, FL 32896
SYNCB
7/10/2014
Sales Financing Company

TERRY CULLEN SOUTHLA

Business Name
Inquiry Date
Business Type
7709684444
1250 BATTLECREEK RD CHEVROLET
JONESBORO, GA 30236
TERRY CULLEN SOUTHLA
10/19/2015
Automobile Dealers, New
TERRY CULLEN
10/19/2015
Automotive
Personal Information Report Summary Bankruptcies Credit Inquiries Page 4 of 7 Credit Cards & Loans Credit Score
Page 9

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.

CAPITAL ONE

Business Name
Inquiry Date
Business Type
MAIL ONLY
15000 CAPITAL ONE DRIVE PO
# EPUS2-0000473587
RICHMOND, VA 23238
CAPITAL ONE
7/30/2015
Auto Financing

REGIONAL ACCEPTANCE

Business Name
Inquiry Date
Business Type
2523217700
223 W NASH STREET
WILSON, NC 27893
REGIONAL ACCEPTANCE
7/30/2015
Personal Loans Cos.

NMAC

Business Name
Inquiry Date
Business Type
8007776116
P O BOX 660360
DALLAS, TX 75266-0360
NMAC
7/30/2015
Auto Financing

COMCAST-ATLANTA

Business Name
Inquiry Date
Business Type
MAIL ONLY
2925 COURTYARDS DR
NORCROSS, GA 30071
COMCAST-ATLANTA
1/21/2015
Telephone Companies
Personal Information Report Summary Bankruptcies Credit Inquiries Page 5 of 7 Credit Cards & Loans Credit Score
Page 10

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.

SAFCO

Business Name
Inquiry Date
Business Type
9546772200
6700 N ANDREWS AVE, SUITE 500
FORT LAUDERDALE, FL 33309
SAFCO
9/29/2014
Auto Financing

REGIONAL ACCEPTANCE

Business Name
Inquiry Date
Business Type
2523217700
223 W NASH STREET
WILSON, NC 27893
REGIONAL ACCEPTANCE
9/29/2014
Personal Loans Cos.

GLOBAL LENDING SERVI

Business Name
Inquiry Date
Business Type
8643856564
FIVE CONCOURSE PARKWAY
SUITE 2925
ATLANTA, GA 30328
GLOBAL LENDING SERVI
9/29/2014
Auto Financing

C & F FINANCE COMPAN

Business Name
Inquiry Date
Business Type
8046438479
1927 C&F DRIVE
HAMPTON, VA 23666
C & F FINANCE COMPAN
9/29/2014
Auto Financing
Personal Information Report Summary Bankruptcies Credit Inquiries Page 6 of 7 Credit Cards & Loans Credit Score
Page 11

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.

ALLY FINANCIAL

Business Name
Inquiry Date
Business Type
8002004622
P.O BOX 380901
BLOOMINGTON, MN 55438
ALLY FINANCIAL
9/10/2014
Auto Financing

AT & T SERVICES INC

Business Name
Inquiry Date
Business Type
8667182011
PO BOX 181929
DALLAS, TX 75218
AT & T SERVICES INC
4/29/2014
Telephone Companies

FLAGSHIP CRE

Business Name
Inquiry Date
Business Type
8007070115
3 CHRISTY DRIVE
SUITE 200
CHADDS FORD, PA 19317
FLAGSHIP CRE
7/30/2015
Finance, personal
Personal Information Report Summary Bankruptcies Credit Inquiries Page 7 of 7 Credit Cards & Loans Credit Score
Page 12

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.

CAPITAL ACCOUNTS

Account Name
UnknownAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
PO BOX 140065Limit
NASHVILLE, TN 37214Terms
Comments
CAPITAL ACCOUNTS
108XXXX
Other Collection Agencies
$653.00
$653.00
2/1/2013
 
$0.00
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
$0.00
$0.00
1 Month
 

24 Month Payment History

2014 2015 2016
Month MARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEB
Experian -Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve

CONSUMER PORTFOLIO SVC

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
BYMAILONLYHigh Balance
PO BOX 57071Limit
IRVINE, CA 92619Terms
Comments
CONSUMER PORTFOLIO SVC
4001566XXXX
Auto Financing Companies
$22,948.00
$0.00
7/1/2015
Open
$509.00
Current
$0.00
$0.00
72 Months
 

24 Month Payment History

2014 2015 2016
Month FEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJAN
Experian OKOKOKOKOK
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 1 of 15 Credit Score
Page 13

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.

CREDIT MANAGEMENT LP

Account Name
UnknownAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
8003777723High Balance
4200 INTERNATIONAL PKWYLimit
CARROLLTON, TX 75007Terms
Comments
CREDIT MANAGEMENT LP
5531XXXX
Other Collection Agencies
$94.00
$94.00
11/1/2013
 
$0.00
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
$0.00
$0.00
1 Month
 

24 Month Payment History

2012 2013 2014
Month APRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEBMAR
Experian -VeND-Ve

CREDIT ONE BANK NA

Account Name
Potentially Negative ClosedAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
7022691000High Balance
PO BOX 98875Limit
LAS VEGAS, NV 89193Terms
Comments
CREDIT ONE BANK NA
444796224307XXXX
Bank Credit Cards
$0.00
$0.00
12/1/2013
Closed
$0.00
Charge-off
$0.00
$300.00
Revolving
 
CREDIT ONE BANK
444796224307XXXX
All Banks
$0.00
$0.00
12/1/2013
Closed
$0.00
Bad debt & placed for collection & skip
$675.00
$300.00
 
CHARGED OFF ACCOUN

24 Month Payment History

2014 2015
Month JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC
Experian OKOKOKOKOKOKOKOK306090120120120-VeNDNDND-VeND-VeNDNDND
Equifax OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 2 of 15 Credit Score
Page 14

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.

FRANKLIN COLLECTION SV

Account Name
UnknownAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
6628447776High Balance
2978 W JACKSON STLimit
TUPELO, MS 3880Terms
Comments
FRANKLIN COLLECTION SV
102743XXXX
Other Collection Agencies
$219.00
$219.00
1/1/2016
 
$0.00
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
$0.00
$0.00
1 Month
 

24 Month Payment History

2014 2015 2016
Month MARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEB
Experian -Ve

LVNV FUNDING LLC

Account Name
UnknownAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
8664641183High Balance
PO BOX 10497Limit
GREENVILLE, SC 29603Terms
Comments
LVNV FUNDING LLC
444796224307XXXX
Bulk Purchase Finance
$675.00
$675.00
3/1/2015
 
$0.00
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
$0.00
$0.00
1 Month
 

24 Month Payment History

2014 2015 2016
Month MARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEBMARAPR MAYJUNJULAUGSEPOCTNOVDECJANFEB
Experian -Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 3 of 15 Credit Score
Page 15

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.

PDQ SERVICES INC

Account Name
UnknownAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
6785692900High Balance
700 CHURCHILL CTLimit
WOODSTOCK, GA 30188Terms
Comments
PDQ SERVICES INC
70XXXX
Other Collection Agencies
$416.00
$416.00
5/1/2015
 
$0.00
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
$0.00
$0.00
1 Month
 

24 Month Payment History

2014 2015 2016
Month MARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEB
Experian -Ve-Ve-Ve-Ve-Ve-Ve

REGIONAL ACCEPTANCE

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
6784744858High Balance
2300 PLEASANT HILL RDLimit
DULUTH, GA 30096Terms
Comments
REGIONAL ACCEPTANCE
3715465XXXX
Auto Financing Companies
$27,208.00
$0.00
7/1/2015
Open
$635.00
Current
$0.00
$0.00
72 Months
 

24 Month Payment History

2014 2015 2016
Month FEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJAN
Experian OKOKOKOKOKOK
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 4 of 15 Credit Score
Page 16

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.

SCANA ENERGY MARKETING

Account Name
Potentially Negative ClosedAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
8774672262High Balance
3344 PEACHTREE RD NE STELimit
ATLANTA, GA 30326Terms
Comments
SCANA ENERGY MARKETING
731012022XXXX
Utilities And Fuel - non specific
$339.00
$339.00
10/1/2009
Closed
$0.00
Charge-off
$0.00
$0.00
1 Month
 

24 Month Payment History

2014 2015 2016
Month MARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEB
Experian -Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve

US DEPT OF ED/GLELSI

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
BYMAILONLYHigh Balance
PO BOX 7860Limit
MADISON, WI 53707Terms
Comments
US DEPT OF ED/GLELSI
348479XXXX
Student Loans
$50,923.00
$0.00
5/1/2011
Open
$541.00
Current
$0.00
$0.00
Unknown
 

24 Month Payment History

2014 2015 2016
Month FEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJAN
Experian NDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDOKOK
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 5 of 15 Credit Score
Page 17

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.

US DEPT OF ED/GLELSI

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
BYMAILONLYHigh Balance
PO BOX 7860Limit
MADISON, WI 53707Terms
Comments
US DEPT OF ED/GLELSI
348479XXXX
Student Loans
$9,583.00
$0.00
2/1/2010
Open
$50.00
Current
$0.00
$0.00
Unknown
 

24 Month Payment History

2014 2015 2016
Month FEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJAN
Experian NDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDOKOKOKNDNDNDOKOK

WELLS FARGO BANK

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
8006424720High Balance
PO BOX 14517Limit
DES MOINES, IA 50306Terms
Comments
WELLS FARGO BANK
442644XXXX
Bank Credit Cards
$506.00
$0.00
8/1/2012
Open
$25.00
Current
$655.00
$506.00
Revolving
 

24 Month Payment History

2014 2015 2016
Month MARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEB
Experian OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 6 of 15 Credit Score
Page 18

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.

 

Account Name
UnknownAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
 High Balance
 Limit
 Terms
Comments
 
108XXXX
Other
$653.00
$0.00
2/9/2013
 
$0.00
Unpaid
$0.00
$0.00
MEDICAL
 

24 Month Payment History

BANK OF AMERICA

Account Name
Potentially Negative ClosedAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
8004212110High Balance
4060 OGLETOWN/STANTON RDLimit
DE5-019-03-07Terms
NEWARK, DE 19713Comments
BANK OF AMERICA
426428999839XXXX
National Credit Card Cos.
$147.00
$0.00
10/9/2012
Closed
$0.00
Bad debt & placed for collection & skip
$0.00
$0.00
M
CHARGED OFF ACCOUNT. ACCOUNT CLOSED BY CREDIT GRANTOR

24 Month Payment History

2014 2015 2016
Month FEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJAN
Equifax OKOKOKOKOKOKOKOK30-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 7 of 15 Credit Score
Page 19

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.

CONSUMER PORTFOLIO S

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
MAIL ONLYHigh Balance
19500 JAMBOREE RDLimit
FLOOR 4Terms
IRVINE, CA 92612Comments
CONSUMER PORTFOLIO S
4001566XXXX
Auto Financing
$22,948.00
$0.00
7/31/2015
Open
$509.00
Pays account as agreed
$23,042.00
$0.00
M 72M
 
CNS PORT SVC
4001566XXXX
Finance, personal
$22,948.00
$0.00
7/31/2015
Open
$509.00
Paid or paying as agreed
$23,042.00
$0.00
72 Months
 

24 Month Payment History

2014 2015
Month JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC
Equifax NDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDOKOKOKOKOKOK
TransUnion OKOKOKOK

FRANKLIN COLLECTION

Account Name
UnknownAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
6628447776High Balance
2978 W JACKSON STLimit
TUPELO, MS 38803Terms
Comments
FRANKLIN COLLECTION
102743XXXX
ACB
$219.00
$0.00
1/6/2016
 
$0.00
Unpaid
$0.00
$0.00
 
 
10 AT T
102743XXXX
Collection services
$219.00
$0.00
1/6/2016
 
$0.00
 
$0.00
$0.00
 
 

24 Month Payment History

Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 8 of 15 Credit Score
Page 20

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.

LVNV FUNDING LLC

Account Name
UnknownAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
8664641183High Balance
625 PILOT ROAD SUITE 2/3Limit
LAS VEGAS, NV 89119Terms
Comments
LVNV FUNDING LLC
444796224307XXXX
Factoring Data
$675.00
$675.00
3/11/2015
 
$0.00
 
$675.00
$0.00
 
COLLECTION ACCOUNT
12 CREDIT ONE BANK N A
444796224307XXXX
Collection services
$675.00
$0.00
3/11/2015
 
$0.00
 
$0.00
$0.00
 
 

24 Month Payment History

2014 2015 2016
Month FEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJAN
Equifax OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK

REGIONAL ACCEPTANCE

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
6784744858High Balance
2300 PLEASANT HILL RD.Limit
SUITE BTerms
DULUTH, GA 30096Comments
REGIONAL ACCEPTANCE
5465XXXX
Auto Financing
$27,208.00
$0.00
7/31/2015
Open
$635.00
Pays account as agreed
$27,709.00
$0.00
M 72M
 

24 Month Payment History

2014 2015
Month JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC
Equifax NDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDOKOKOKOKOKOK
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 9 of 15 Credit Score
Page 21

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.

SCANA ENERGY

Account Name
Potentially Negative ClosedAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
SCANA ENERGY
731012022XXXX
Electrical Light & Power
$339.00
$339.00
10/23/2009
Closed
$0.00
Bad debt & placed for collection & skip
$0.00
$0.00
M
CHARGED OFF ACCOUNT

24 Month Payment History

2014 2015 2016
Month FEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJAN
Equifax OKOKOKOKOKOK-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve-Ve

U S DEPARTMENT OF ED

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
MAIL ONLYHigh Balance
PO BOX 7202Limit
UTICA, NY 13504-7202Terms
Comments
U S DEPARTMENT OF ED
70000182934XXXX
All Others - Business Machines, Catering, Vending Machines, Schools, Aircraft Leasing, Railroads, Clubs, Lodges, Shopping Centers, Travel Agencies
$0.00
$0.00
2/3/2010
Open
$63.00
Pays account as agreed
$5,357.00
$0.00
M120M
 
US DEP ED
70000182934XXXX
Government
$0.00
$0.00
2/3/2010
Closed
$63.00
Paid or paying as agreed
$3,284.00
$0.00
120 Months
 

24 Month Payment History

2010 2011 2012
Month MAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEBMARAPR
Equifax OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Transunion OKOKOKOKOKOKOK
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 10 of 15 Credit Score
Page 22

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.

U S DEPARTMENT OF ED

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
MAIL ONLYHigh Balance
PO BOX 7202Limit
UTICA, NY 13504-7202Terms
Comments
U S DEPARTMENT OF ED
70000182934XXXX
All Others - Business Machines, Catering, Vending Machines, Schools, Aircraft Leasing, Railroads, Clubs, Lodges, Shopping Centers, Travel Agencies
$0.00
$0.00
2/3/2010
Open
$35.00
Pays account as agreed
$3,284.00
$0.00
M120M
 
US DEP ED
70000182934XXXX
Government
$0.00
$0.00
2/3/2010
Closed
$63.00
Paid or paying as agreed
$5,357.00
$0.00
120 Months
 

24 Month Payment History

2010 2011 2012
Month MAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEBMARAPR
Equifax OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Transunion OKOKOKOKOKOKOK

U S DEPARTMENT OF ED

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
MAIL ONLYHigh Balance
PO BOX 7202Limit
UTICA, NY 13504-7202Terms
Comments
U S DEPARTMENT OF ED
256906XXXX
All Others - Business Machines, Catering, Vending Machines, Schools, Aircraft Leasing, Railroads, Clubs, Lodges, Shopping Centers, Travel Agencies
$0.00
$0.00
2/1/2010
Open
$68.00
Pays account as agreed
$8,721.00
$0.00
D153M
STUDENT LOAN - PAYMENT DEFERRED

24 Month Payment History

2009 2010 2011
Month SEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEBMARAPRMAYJUNJULAUG
Equifax OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 11 of 15 Credit Score
Page 23

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.

US DEPT. OF EDUCATIO

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
MAIL ONLYHigh Balance
PO BOX 7860Limit
MADISON, WI 53704Terms
Comments
US DEPT. OF EDUCATIO
348479XXXX
Miscellaneous
$9,583.00
$0.00
2/3/2010
Open
$50.00
Pays account as agreed
$9,583.00
$0.00
M
 
USDOE/GLELSI
348479XXXX
Employment
$9,583.00
$0.00
2/3/2010
Open
$50.00
Paid or paying as agreed
$9,583.00
$0.00
Monthly
 

24 Month Payment History

2014 2015
Month JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC
Equifax OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Transunion NDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDOKOKOKNDNDNDOK

US DEPT. OF EDUCATIO

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
MAIL ONLYHigh Balance
PO BOX 7860Limit
MADISON, WI 53704Terms
Comments
US DEPT. OF EDUCATIO
348479XXXX
Miscellaneous
$50,923.00
$0.00
2/3/2010
Open
$541.00
Pays account as agreed
$50,923.00
$0.00
M
 
USDOE/GLELSI
348479XXXX
Employment
$50,923.00
$0.00
5/16/2011
Open
$541.00
Paid or paying as agreed
$50,923.00
$0.00
Monthly
 

24 Month Payment History

2014 2015
Month JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC
Equifax OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Transunion NDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDOK
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 12 of 15 Credit Score
Page 24

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.

WELLS FARGO BANK CAR

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
8006424720High Balance
CREDIT BUREAU DISPUTE RESOLUTI Limit
PO BOX 14517Terms
DES MOINES, IA 50306Comments
WELLS FARGO BANK CAR
442644101876XXXX
All Banks
$506.00
$0.00
8/20/2012
Open
$25.00
Pays account as agreed
$655.00
$506.00
M
 
WELLS FARGO
44264410XXXX
Banks and S&Ls
$506.00
$0.00
8/20/2012
Open
$25.00
Paid or paying as agreed
$655.00
$506.00
Minimum
 

24 Month Payment History

2014 2015 2016
Month FEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJAN
Equifax OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Transunion OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK

10 ACKERMAN SECURITY

Account Name
UnknownAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
7709771223High Balance
600 CHURCHILL CTLimit
WOODSTOCK, GA 30188Terms
Comments
10 ACKERMAN SECURITY
70XXXX
Collection services
$416.00
$0.00
5/14/2015
 
$0.00
 
$0.00
$0.00
 
 

24 Month Payment History

Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 13 of 15 Credit Score
Page 25

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.

BK OF AMER

Account Name
Potentially Negative ClosedAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
8004212110High Balance
PO BOX 982235Limit
EL PASO, TX 79998Terms
Comments
BK OF AMER
5XXX
Banks and S&Ls
$147.00
$0.00
10/9/2012
Closed
$40.00
Charged off as bad debt
$847.00
$700.00
 
 

24 Month Payment History

CREDITONEBNK

Account Name
Potentially Negative ClosedAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
8778253242High Balance
PO BOX 98872Limit
LAS VEGAS, NV 89193Terms
Comments
CREDITONEBNK
44479622XXXX
Banks and S&Ls
$0.00
$0.00
12/13/2013
Closed
$0.00
Charged off as bad debt
$675.00
$300.00
 
 

24 Month Payment History

Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 14 of 15 Credit Score
Page 26

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.

REGIONAL ACC

Account Name
CurrentAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
8664744858High Balance
2300 PLEASANT HILLLimit
SUITE B 13/1Terms
DULUTH, GA 30096Comments
REGIONAL ACC
5465XXXX
Finance, personal
$27,208.00
$0.00
7/31/2015
Open
$635.00
Paid or paying as agreed
$27,709.00
$0.00
72 Months
 

24 Month Payment History

2014 2015
Month JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC
Transunion OKOKOKOKOK

US DEP ED

Account Name
Current ClosedAccount #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
8008480979High Balance
PO BOX 5609Limit
GREENVILLE, TX 75403Terms
Comments
US DEP ED
256906XXXX
Government
$0.00
$0.00
2/3/2010
Closed
$0.00
 
$8,721.00
$0.00
153 X
 

24 Month Payment History

2009 2010 2011
Month SEPOCTNOVDEC JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECJANFEBMARAPRMAYJUNJULAUG
Transunion OKOKOKOKOKOKOKOKOKOKOKOKNDNDNDNDND
Personal Information Report Summary Bankruptcies Credit Inquiries Credit Cards & Loans Page 15 of 15 Credit Score
Page 27

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

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 Inquiries Credit Cards & Loans Page Legend Credit Score
Page 28

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.

Page 29

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

 

 

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

Page 30

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

 

Fair

 

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

Page 31

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

 

 

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

Page 32