Hart Software, Inc. - Screenshots - Home Disclosure Notification

EXPERIAN REPORT - 03/30/02

Input Name: JONATHAN CONSUMER
Input SSN: 999-99-9990
Input Address: 10655 N BIRCH ST
Input City: BURBANK
Input State: CA
Input Zip: 91502

Personal Information
		Reported
Name SSN Address Address Address	JONATHAN QUINCY CONSUMER YOB: 1951 Nickname - JACK CONSUMER AKA - JOHN SMITH AKA - JONATHAN SMITH JONES JR 999-99-9990 234-56-7891 - SSN is different than input 123-45-6789 - SSN is different than input 10655 N BIRCH ST,BURBANK CA 91502-1234 Last Sub: 1220855 1314 SOPHIA LN APT 3,SANTA ANA CA 92708-5678 Last Sub: 2390446 2600 BOWSER ST #312,LOS ANGELES CA 90017-9876 Last Sub:* 2390446	06/95 To 01/98 3X 1X

Employment
		Date Reported	Last Updated	Origination
Employer Employer	AJAX HARDWARE 2035 BROADWAY SUITE 300 LOS ANGELES CA BELL AUTOMOTIVE 111 MAIN STREET BURBANK CA	unknown 05/91	12/98 09/91	Inquiry Inquiry

Scoring

Score Model: FICO V2 +700
Factor: 22 SERIOUS DELINQUENCY, DEROGATORY PUBLIC RECORD OR COLLECTION FILED
Factor: 13 TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
Factor: 18 NUMBER OF ACCOUNTS WITH DELINQUENCY
Factor: 34 AMOUNT OWED ON DELINQUENT ACCOUNTS

+700

Score Model: National Risk Model +502
Factor: 19 AVERAGE AGE OF ACCOUNTS
Factor: 35 DELINQUENCY ON BANK INSTALLMENT LOANS
Factor: 01 TOO FEW ACCOUNTS NOW CURRENT
Factor: 08 PRESENCE OF NON-SATISFACTORY RATINGS ON ACCOUNTS OR LACK OF OPEN ACCOUNTS

+502

Score Model: Experian Bankruptcy Model +925
Factor: K RATIO OF BANK REVOLVING BALANCES TO CREDIT LIMITS OR LACK OF BANK REVOLVING ACCOUNT INFORMATION
Factor: C PRESENCE OF DEROGATORY ACCOUNTS
Factor: H RECENTLY ACTIVE OR LACK OF BANK, RETAIL OR FINANCE ACCOUNTS
Factor: B PRESENCE OF DELINQUENT ACCOUNTS

+925

Profile Summary

Public Records	3	Dispd Accounts	1	Now Del/Drg	3	30 day delinq	0
Tradelines	10	Paid Accounts	2	Was Del/Drg	0	60 day delinq	0
Satis Accts	6	Inquiries	3	# Derog Months	0	90 day delinq	0
Inqs/6 MO	0	Oldest Trade	01/68

Type	High	Limit	Balance	Past Due	Payment	%Avail
Revolving	$16,720	$20,000	$14,657	$0	$435	27%
Installment	$0	$66,575	$45,037	$1,421	*$1,471	-
Real Estate	$0	$400,000	$234,000	$0	$3,128	-
Totals	$16,720	$486,575	$293,694	$1,421	$5,034
**High, Limit and Payment values are calculated for open accounts only. Balances and Past Due items are calculated for all trade lines.
* Indicates estimated payment total
^ Not all tradelines are included in monthly payment amount.

Public Records
Date Filed/ $Amount	Type/ Plaintiff	Reference/ Paid	Court/ Court Code
06/20/94 $12.4K	County tax lien released 07/01/95	Cid 45078321	SO CALIF DISTRICT COURT 3051111
09/19/93 $1200	Judgement ALLIED COMPANY	D 7505853	COUNTY SPR CT SANTA ANA 3019999
02/10/93 $100K	Bankruptcy Chapter 13 - petition filed	D 35054539906234561	U S BANKRUPTCY COURT 3009999

Revolving Accounts
				Current Status			Hist Status
Acc Name/Address	Status/ ECOA/ Condition	BALDT/ OPEN/ LSTPD/ DEL	Amt1/ Amt2	Pmt/ Term	$Bal	$Past Due	Mths 30 60 90	Rating
STATE BANK Acct: 4271008232 Subcode: 1299987 KOB: BC Status: CURR ACCT Loan Type: 18 CRC	01/90 1 OPEN	06/96 01/90 05/96	10K-L 9612-H	255 REV	8628		85 00 00 00 CCCCCCCCCCC CCCCCC000CCCC	R
EMPLOYEES CREDIT UNION Acct: 525556601 Subcode: 1220855 KOB: BC Status: CURR ACCT Loan Type: 18 CRC	02/85 2 OPEN	01/98 02/85 01/98	10K-L 7108-H	180 REV	6029		99 00 00 00 CCCCCCCCCCC C00000000CCCC	R
ISLAND SAVINGS Acct: 405855254820 Subcode: 1211248 KOB: BC Status: CURR ACCT Credit line closed - consumer request - reported by subscriber Loan Type: 18 CRC	05/96 C 2 CLOSED	10/97 05/96	7000-L 5700-H	REV			18 00 00 00 B0CCCCCCCCCC CCCCCC	R B
BAY COMPANY Acct: 525556601 Subcode: 2390446 KOB: DC Status: DELINQ 180 Account was in dispute - now resolved - reported by subscriber Loan Type: 07 CHG	05/96 C 2 BK ADJ PLN	05/96 01/68 05/96	1400-L	REV			99 01 01 04 7654321CCCC0 0CCCCCCCCCCCC	R 7
Revolving Totals				$435	$14,657	$0

Installment Accounts
				Current Status			Hist Status
Acc Name/Address	Status/ ECOA/ Condition	BALDT/ OPEN/ LSTPD/ DEL	Amt1/ Amt2	Pmt/ Term	$Bal	$Past Due	Mths 30 60 90	Rating
HOME FINANCIAL Acct: 240000985000 12 Subcode: 5935250 KOB: FM Status: CURR ACCT Loan Type: 08 R/E	05/90 2 OPEN	01/98 05/90 12/97	400K-O	3128 360MO	234K		92 00 00 00 CCCCCCCCCCC CCCCCC000CCCC	I
MOUNTAIN BK Acct: 3562A0197325 346R12345 Subcode: 1119999 KOB: BI Status: 30 3 TIMES Loan Type: 02 SEC	12/96 2 OPEN	12/96 03/93 11/96 12/96	43.2K-O	956 60MO	19.3K	956	39 03 00 00 1CCCCCC1CCCC CCCCCCCCCCCCC	I 1
CENTRAL BANK Acct: 23802654388 Subcode: 1132912 KOB: BI Status: 30 DAY DEL Loan Type: 00 AUT	06/96 1 OPEN	06/96 12/93 05/96 06/96	22.3K-O	465 48MO	11.0K	465	31 01 00 00 1CCCCCCCCCCC CCCCCCCCCCCCC	I 1
HEMLOCKS Acct: 828510311126 1 Subcode: 2313849 KOB: DC Status: CURR ACCT Loan Type: 06 ISC	02/95 3 OPEN	06/96 02/95	1000-L	50-est 24MO	1000		17 00 00 00 NNNNNNNNNNNN NNNNN	I N
Installment Totals				$4,599	$265,380	$1,421

Trade Accounts
				Current Status			Hist Status
Acc Name/Address	Status/ ECOA/ Condition	BALDT/ OPEN/ LSTPD/ DEL	Amt1/ Amt2	Pmt/ Term	$Bal	$Past Due	Mths 30 60 90	Rating
CREDIT AND COLLECTION OrigCreditor: DR. JOHN KILDARE Acct: 98E543182136 Subcode: 3980999 KOB: YC Status: COLLACCT Customer disputed account - reported by subscriber Loan Type: 31 UNK	09/94 2 COLLACCT	04/96 09/94 09/94	500-O	10-est	250		20 00 00 00 999999999999 99999999	U 9
TRAVEL CHARGE USA Acct: 4271008232 Subcode: 3488520 KOB: N Status: CURR ACCT Loan Type: 18 CRC	12/97 C 1 PAID	12/97 03/95	4000-L 3612-H	1MO			34 00 00 00 CCCCCCCCCCC CCCCCC000CCCC	U
Trade Totals				$10	$250	$0

Inquiries
Inquiry Date	Subscriber/Acc#	Subcode/KOB	Amt/Type/Terms
12/05/98	HEMLOCKS	2313849 DC	/ / UNK
12/03/98	BAY COMPANY	2390446 DC	1500 / / 0
10/21/97	HILLSIDE BANK	2240679 BC	/ / UNK

Fraud Shield / FACS+ Summary

Record Type SIC Code Text	Inquiry Address Message Phone Answering Service ABC ANSWER-ALL 10655 N BIRCH ST BURBANK CA 91502 818.555.1212

Messages
From 03/01/96 inq count for ssn = 8
From 03/01/96 inq count for address = 15
Input SSN Issued 1965 - 1966

Record Type SIC Code Text	Onfile Address Message Business J&J INVESTMENTS 2600 BOWSER ST #312 LOS ANGELES CA 90017 213.111.2222

Messages

Record Type SIC Code Text	Retired Social INPUT SSN RECORDED AS DECEASED

Messages
DOB: 01/10/51
DOD: 03/30/96

Consumer Statement
Statement Type: Victim statements - 03/30/02 **#Hk# Id Security Alert: Fraudulent Applications May Be Submitted In My Name Or My Identity May Have Been Used Without My Consent To Fraudulently Obtain Goods Or Services. Do Not Extend Credit Without First Contacting Me Personally And Verifying All Applicant Information. This Security Alert Will Be Maintained For 90 Days Beginning 05-01-02.

Consumer Assistance Referral:
EXPERIAN
701 EXPERIAN PARKWAY
PO BOX 2002
ALLEN, TX 75013
(888) 397-3742

END OF REPORT - EXPERIAN

NOTICE TO HOME LOAN APPLICANT:

In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change.

Because the score is based on information in your credit history, it is very important that you review the credit related information that is being furnished to make sure it is accurate. Credit records may vary from one company to another.

If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application.

If you have questions concerning the terms of the loan, contact the lender.

For your convenience we have provided the addresses for the three national repositories as well as the credit score developer.

Experian
PO Box 2002
Allen, TX 75013
www.experian.com
888-397-3742

Trans Union
PO Box 4000
Chester, PA 19016
www.transunion.com
866-887-2673

Equifax
PO Box 740241
Atlanta, GA 30348
www.equifax.com
800-685-1111

Fair Isaac
200 Smith Ranch Road
San Rafael, CA 94903
www.fairisaac.com
415-472-2211

SCORING SUMMARY:

Experian
   XPN Model: Experian/Fair, Isaac Risk Model V2
   Score: 700  [22, 13, 18, 34] Range: 300-850
   Date Calculated: 03/30/2002
   Reason 1: Serious delinquency, derogatory public record or collection filed
   Reason 2: Time since delinquency is too recent or unknown
   Reason 3: Number of accounts with delinquency
   Reason 4: Amount owed on delinquent accounts

Experian
   XPN Model: National Risk Model
   Score: 502  [19, 35, 01, 08] Range: 0-1000
   Date Calculated: 03/30/2002
   Reason 1: AVERAGE AGE OF ACCOUNTS
   Reason 2: DELINQUENCY ON BANK INSTALLMENT LOANS
   Reason 3: TOO FEW ACCOUNTS NOW CURRENT
   Reason 4: PRESENCE OF NON-SATISFACTORY RATINGS ON ACCOUNTS OR LACK OF OPEN ACCOUNTS

Experian
   XPN Model: Experian Bankruptcy Model
   Score: 925  [K, C, H, B] Range: 108-1200+
   Date Calculated: 03/30/2002
   Reason 1: Ratio of bank revolving balances to credit limits or lack of bank revolving account information
   Reason 2: Presence of derogatory accounts
   Reason 3: Recently active or lack of bank, retail or finance accounts
   Reason 4: Presence of delinquent accounts

Consumer, Jonathan

Applicant Signature: _______________________________________________ Date: ____________________