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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
Unknown	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
	High Balance
PO BOX 140065	Limit
NASHVILLE, TN 37214	Terms
	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	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB
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
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
BYMAILONLY	High Balance
PO BOX 57071	Limit
IRVINE, CA 92619	Terms
	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	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN
Experian																				OK	OK	OK	OK	OK

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

CREDIT MANAGEMENT LP
	Account Name
Unknown	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
8003777723	High Balance
4200 INTERNATIONAL PKWY	Limit
CARROLLTON, TX 75007	Terms
	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	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR
Experian																						-Ve	ND	-Ve

CREDIT ONE BANK NA
	Account Name
Potentially Negative Closed	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
7022691000	High Balance
PO BOX 98875	Limit
LAS VEGAS, NV 89193	Terms
	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	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
Experian	OK	OK	OK	OK	OK	OK	OK	OK	30	60	90	120	120	120	-Ve	ND	ND	ND	-Ve	ND	-Ve	ND	ND	ND
Equifax	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK

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

FRANKLIN COLLECTION SV
	Account Name
Unknown	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
6628447776	High Balance
2978 W JACKSON ST	Limit
TUPELO, MS 3880	Terms
	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	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB
Experian																								-Ve

LVNV FUNDING LLC
	Account Name
Unknown	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
8664641183	High Balance
PO BOX 10497	Limit
GREENVILLE, SC 29603	Terms
	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	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB
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

PDQ SERVICES INC
	Account Name
Unknown	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
6785692900	High Balance
700 CHURCHILL CT	Limit
WOODSTOCK, GA 30188	Terms
	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	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB
Experian																			-Ve	-Ve	-Ve	-Ve	-Ve	-Ve

REGIONAL ACCEPTANCE
	Account Name
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
6784744858	High Balance
2300 PLEASANT HILL RD	Limit
DULUTH, GA 30096	Terms
	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	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN
Experian																			OK	OK	OK	OK	OK	OK

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

SCANA ENERGY MARKETING
	Account Name
Potentially Negative Closed	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
8774672262	High Balance
3344 PEACHTREE RD NE STE	Limit
ATLANTA, GA 30326	Terms
	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	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB
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
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
BYMAILONLY	High Balance
PO BOX 7860	Limit
MADISON, WI 53707	Terms
	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	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN
Experian	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	OK	OK

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

US DEPT OF ED/GLELSI
	Account Name
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
BYMAILONLY	High Balance
PO BOX 7860	Limit
MADISON, WI 53707	Terms
	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	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN
Experian	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	OK	OK	OK	ND	ND	ND	OK	OK

WELLS FARGO BANK
	Account Name
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
8006424720	High Balance
PO BOX 14517	Limit
DES MOINES, IA 50306	Terms
	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	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB
Experian	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK

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BOBBY F BARKER

Report As Of: 2/26/2016

Credit Cards, Loans & Other Debt


	Account Name
Unknown	Account #
	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 Closed	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
8004212110	High Balance
4060 OGLETOWN/STANTON RD	Limit
DE5-019-03-07	Terms
NEWARK, DE 19713	Comments

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

CHARGED OFF ACCOUNT. ACCOUNT CLOSED BY CREDIT GRANTOR

24 Month Payment History

	2014											2015												2016
Month	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN
Equifax	OK	OK	OK	OK	OK	OK	OK	OK	30	-Ve	-Ve	-Ve	-Ve	-Ve	-Ve	-Ve	-Ve	-Ve	-Ve	-Ve	-Ve	-Ve	-Ve	-Ve

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BOBBY F BARKER

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Credit Cards, Loans & Other Debt

CONSUMER PORTFOLIO S
	Account Name
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
MAIL ONLY	High Balance
19500 JAMBOREE RD	Limit
FLOOR 4	Terms
IRVINE, CA 92612	Comments

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	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
Equifax	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	OK	OK	OK	OK	OK	OK
TransUnion																					OK	OK	OK	OK

FRANKLIN COLLECTION
	Account Name
Unknown	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
6628447776	High Balance
2978 W JACKSON ST	Limit
TUPELO, MS 38803	Terms
	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

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BOBBY F BARKER

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Credit Cards, Loans & Other Debt

LVNV FUNDING LLC
	Account Name
Unknown	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
8664641183	High Balance
625 PILOT ROAD SUITE 2/3	Limit
LAS VEGAS, NV 89119	Terms
	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	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN
Equifax	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK

REGIONAL ACCEPTANCE
	Account Name
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
6784744858	High Balance
2300 PLEASANT HILL RD.	Limit
SUITE B	Terms
DULUTH, GA 30096	Comments

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	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
Equifax	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	OK	OK	OK	OK	OK	OK

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BOBBY F BARKER

Report As Of: 2/26/2016

Credit Cards, Loans & Other Debt

SCANA ENERGY
	Account Name
Potentially Negative Closed	Account #
	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

10/23/2009

Closed

$0.00

Bad debt & placed for collection & skip

$0.00

CHARGED OFF ACCOUNT

24 Month Payment History

	2014											2015												2016
Month	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN
Equifax	OK	OK	OK	OK	OK	OK	-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
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
MAIL ONLY	High Balance
PO BOX 7202	Limit
UTICA, NY 13504-7202	Terms
	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	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR
Equifax	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK
Transunion																		OK	OK	OK	OK	OK	OK	OK

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Page 22

BOBBY F BARKER

Report As Of: 2/26/2016

Credit Cards, Loans & Other Debt

U S DEPARTMENT OF ED
	Account Name
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
MAIL ONLY	High Balance
PO BOX 7202	Limit
UTICA, NY 13504-7202	Terms
	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	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR
Equifax	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK
Transunion																		OK	OK	OK	OK	OK	OK	OK

U S DEPARTMENT OF ED
	Account Name
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
MAIL ONLY	High Balance
PO BOX 7202	Limit
UTICA, NY 13504-7202	Terms
	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

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	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG
Equifax	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK

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Page 23

BOBBY F BARKER

Report As Of: 2/26/2016

Credit Cards, Loans & Other Debt

US DEPT. OF EDUCATIO
	Account Name
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
MAIL ONLY	High Balance
PO BOX 7860	Limit
MADISON, WI 53704	Terms
	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	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
Equifax	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK
Transunion	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	OK	OK	OK	ND	ND	ND	OK

US DEPT. OF EDUCATIO
	Account Name
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
MAIL ONLY	High Balance
PO BOX 7860	Limit
MADISON, WI 53704	Terms
	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	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
Equifax	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK
Transunion	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	ND	OK

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Page 24

BOBBY F BARKER

Report As Of: 2/26/2016

Credit Cards, Loans & Other Debt

WELLS FARGO BANK CAR
	Account Name
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
8006424720	High Balance
CREDIT BUREAU DISPUTE RESOLUTI	Limit
PO BOX 14517	Terms
DES MOINES, IA 50306	Comments

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	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN
Equifax	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK
Transunion	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK

10 ACKERMAN SECURITY
	Account Name
Unknown	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
7709771223	High Balance
600 CHURCHILL CT	Limit
WOODSTOCK, GA 30188	Terms
	Comments

10 ACKERMAN SECURITY
70XXXX
Collection services
$416.00
$0.00
5/14/2015

$0.00

$0.00
$0.00

24 Month Payment History

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Page 25

BOBBY F BARKER

Report As Of: 2/26/2016

Credit Cards, Loans & Other Debt

BK OF AMER
	Account Name
Potentially Negative Closed	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
8004212110	High Balance
PO BOX 982235	Limit
EL PASO, TX 79998	Terms
	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 Closed	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
8778253242	High Balance
PO BOX 98872	Limit
LAS VEGAS, NV 89193	Terms
	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

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Page 26

BOBBY F BARKER

Report As Of: 2/26/2016

Credit Cards, Loans & Other Debt

REGIONAL ACC
	Account Name
Current	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
8664744858	High Balance
2300 PLEASANT HILL	Limit
SUITE B 13/1	Terms
DULUTH, GA 30096	Comments

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	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
Transunion																				OK	OK	OK	OK	OK

US DEP ED
	Account Name
Current Closed	Account #
	Account Type
	Balance
	Past Due
	Date Opened
	Account Status
	Mo. Payment
	Payment Status
8008480979	High Balance
PO BOX 5609	Limit
GREENVILLE, TX 75403	Terms
	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	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG
Transunion								OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	ND	ND	ND	ND	ND

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Page 27

BOBBY F BARKER

Report As Of: 2/26/2016

Credit Cards, Loans & Other Debt

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

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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.

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Page 30

BOBBY F BARKER

Report As Of: 2/26/2016

Credit Score

562	598	597
	Fair

Your Equifax FICO ® Score Explanation

What factors RAISE your FICO ® Score:

What factors LOWER your FICO ® Score:

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Page 31

BOBBY F BARKER

Report As Of: 2/26/2016

Credit Score

562	598	597
		Fair

Your TransUnion FICO ® Score Explanation

What factors RAISE your FICO ® Score:

What factors LOWER your FICO ® Score:

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.

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