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Order Date: 1/4/2017
Investigation: Tenant Screening Comprehensive
Prepared for: Paradigm Real Estate
IDENTIFYING INFORMATION REPORT SUMMARY
Name: JOHN Q PUBLIC
Social Security Number: XXX-XX-4815
Date of Birth: 05/23/1987
Address: 6151 Rural Plains Circle
Franklin, TN 37064

RENTAL RECOMMENDATION
Based on the credit requirements youÂ’ve set for this property, the credit history for this applicant contain adverse events that indicate a significant risk in the applicant's ability to meet the lease terms you've indicated. The risk is significant enough that you should not lease to this applicant without additional financial security (e.g. a cosigner/guarantor). At this point no further steps are necessary other than to communicate your decision to the applicant.
Status: Complete
Complete Date: 1/4/2017
SEARCH TYPE RESULTS DETAILS
Eviction Records Review Records: 2
Nationwide Criminal Results Review Records: 13
Past Address History Complete Address Count: 3
Credit Report with Score Complete Credit Score: 480
Public Records: 0   Collections: 7
Charge off Accounts: 0   Credit Inquiries: 17
Bankruptcies: 0   30 Days Late: 3
60 Days Late: 1   90 Days Late: 16

Credit Report with Score Results - COMPLETE
Last update: 01/04/2017


CREDIT SCORE ANALYSIS
480
A credit score of 480 equates to a rating of F. According to accepted industry standards over the next 2 years there will be a Delinquency Rate of 87%.
 
PAST DUE
All account payments are current.
 
SUMMARY COUNT AND CREDIT RATIOS
There is a debt to high credit ratio of 121.11 This is a potential at risk ratio.

There is a Secured Debt of $30,490.00. Secured debt consists of Mortgage, Auto, and other Installment accounts.

There is an Unsecured Debt of $5,725.00. Unsecured debt consists of Credit Cards, most Student Loans, and other Revolving Balance Account debt that is not collateralized by a lien on specific assets.

 
COLLECTIONS
CREDITORS
NAME
CUSTOMER # COLLECTION
AGENCY
INDUSTRY
CODE
DATE
VERIFIED
DATE
OPENED
DATE
CLOSED
DATE
PAID OUT
DATE
REPORTED
CURRENT
BALANCE
HIGH
CREDIT
PAST DUE
JUNCTION 47 02AEP001 FCO Collection services 12/20/2016 6/8/2016 6/8/2016 $4,537.00 $4,537.00
HARBOR STEPS 02AEP001 FCO Collection services 12/20/2016 8/13/2015 8/13/2015 $329.00 $329.00
T MOBILE 0744U001 AMSHER COLL Collection services 12/19/2016 8/25/2016 8/25/2016 $300.00 $300.00
MEDICAL 01H71001 STERNRECSVCS Collection services 12/11/2016 7/4/2015 7/4/2015 $95.00 $95.00
WAVE BROADBAND SEATTLE EAST 04326001 CRD PRT ASSO Collection services 11/22/2016 5/27/2016 5/27/2016 $396.00 $396.00
MEDICAL 029CL001 OPTIMUM OUT Collection services 10/23/2016 6/3/2016 6/3/2016 $91.00 $91.00
CITY OF CHARLOTTE UTILITIES I 050CQ001 SCA Collection services 2/6/2013 5/24/2010 9/30/2010 5/24/2010 $0.00 $149.00
 
 
ACCOUNT SUMMARY
Account Type Total Active Accounts Current Balance for Active Accounts High Credit for Active Accounts Debt to High Credit Ratio for Active Accounts
HOME 0 $0.00 $0.00 N/A
VEHICLE 1 $30,490.00 $29,953.00 101.79%
STUDENT LOANS 1 $5,632.00 $5,138.00 109.61%
OTHER INSTALLMENT 0 $0.00 $0.00 N/A
CREDIT CARDS 1 $93.00 $1,108.00 8.39%
OPEN 0 $0.00 $0.00 N/A
OTHER 0 $0.00 $0.00 N/A
 
TRADE LINES
CREDITOR OPEN
DATE
CREDITOR ID AMOUNT LOAN
TYPE
CREDIT
LIMIT
HIGH
CREDIT
BALANCE
AMOUNT
AMOUNT
PAST DUE
30 DAYS
LATE
60 DAYS
LATE
90 DAYS
LATE
STATUS
DATE
STATUS Comments
FST PREMIER 10/18/2010 041PF045 Credit Card $300.00 $614.00 $614.00 $614.00 04/25/2011 Closed Account information disputed by consumer
WFDS 12/31/2006 0839N077 $449.00 Automobile $0.00 $23,966.00 $0.00 $0.00 10/31/2011 Closed Dispute resolved—customer disagrees
CHI AU ACCP 12/15/2012 02C99002 $480.00 Automobile $0.00 $13,294.00 $7,013.00 $7,013.00 08/31/2013 Closed Account information disputed by consumer
UNIFOUR FIN 09/20/2014 02CK5001 $568.00 Automobile $0.00 $18,538.00 $0.00 $0.00 04/12/2016 Closed Paid repossession
GO FINANCIAL 06/27/2016 01SFX004 $744.00 Automobile $0.00 $29,953.00 $30,490.00 $744.00 1 0 0 11/30/2016 Active
FSTPROGRESS 08/24/2015 02D8V001 Credit Card $300.00 $375.00 $0.00 $0.00 1 1 1 12/05/2016 Closed Account closed by credit grantor
CITI 06/14/2016 064DB002 $25.00 Secured Credit Card $1,000.00 $1,108.00 $93.00 $0.00 1 0 0 12/26/2016 Active
USDOE/GLELSI 02/15/2012 0368N5AV $63.00 Student Loan $0.00 $5,138.00 $5,632.00 $0.00 0 0 15 11/30/2016 Active
 
INQUIRIES
SUBSCRIBER NAME INQUIRY DATE  
LEASINGDESKS 12/14/2016  
T-MOBILE 12/13/2016  
CAP ONE 12/5/2016  
CREDIT PLUS 9/23/2016  
CAP ONE 9/8/2016  
CAP ONE 6/13/2016  
CAP ONE 5/2/2016  
CAP ONE 12/13/2015  
CLEARSTAR IN 9/1/2015  
CAP ONE 8/2/2015  
CELTIC/CONT 7/11/2015  
QUALSTAR CU 5/25/2015  
GOOD CHEVROL 5/16/2015  
CAP ONE 3/31/2015  
COAF 3/23/2015  
EXETER FIN 3/21/2015  
COAF 3/21/2015  
 
EMPLOYMENT SUMMARY
Employment Status: Employed  
Employment Income: $63,500.00 PerYear  
Other Income: $0.00 PerMonth  
Assets: $0.00  
Employer Date Verified Date Employed
LYNXSPRING INC 10/20/2012  
BANK OF AMERICA 7/1/2011 2011-02-01T00:00:00
 
PAST ADDRESS HISTORY
NAME ADDRESS DATE REPORTED
JOHN PUBLIC 643 N ALEXANDER ST CHARLOTTE, NC 28202 06/17/2016
JOHN PUBLIC 6151 RURAL PLAINS CI, 205 FRANKLIN , TN 37064 10/12/2016
JOHN PUBLIC 4700 SW CALIFORNIA AVE 509 SEATTLE, WA 98116 10/12/2016

Nationwide Criminal Search Results - REVIEW
Last update: 01/04/2017

Category: Criminal
OFFENSES
Offense 1:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-01-01
State: MO
Court Record ID:111756499
Court Case Filing:2013-07-12
Offense Description:DWR/DWS { ORDINANCE RSMO: NOT AVAILABLE }
Offense Statute:9109000
Native Record Number:SCOTMICH-111756499_87FCE35F6843460487F22F82B804C5B
Component Identifier:MOCXT
Component Description:Missouri Admin Office of Courts
Court Action 1:
Record ID: 111756499
Charge Desc: DWR/DWS { ORDINANCE RSMO: NOT AVAILABLE }
Filing Date: 2013-07-12
Offense 2:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-01-01
State: MO
Court Record ID:111756498
Court Case Filing:2013-07-11
Offense Description:MISCELLANEOUS CONTROLLED SUBSTANCE { ORDINANCE RSMO: NOT AVAILABLE }
Offense Statute:9139000
Native Record Number:SCOTMICH-111756498_A1CB38DF807D471DB52F6B9C891CA0F
Component Identifier:MOCXT
Component Description:Missouri Admin Office of Courts
Court Action 1:
Record ID: 111756498
Charge Desc: MISCELLANEOUS CONTROLLED SUBSTANCE { ORDINANCE RSMO: NOT AVAILABLE }
Filing Date: 2013-07-11
Offense 3:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-01-01
State: MO
Court Record ID:111756497
Court Case Filing:2013-07-16
Offense Description:FAILED TO REGISTER VEHICLE { ORDINANCE RSMO: NOT AVAILABLE }
Offense Statute:9453000
Native Record Number:SCOTMICH-111756497_37A9C83C351441D08285D1519D137DD
Component Identifier:MOCXT
Component Description:Missouri Admin Office of Courts
Court Action 1:
Record ID: 111756497
Charge Desc: FAILED TO REGISTER VEHICLE { ORDINANCE RSMO: NOT AVAILABLE }
Filing Date: 2013-07-16


Category: Criminal
OFFENSES
Offense 1:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-07-19
Sex: M
Race: WHITE
State: NC
Court Record ID:59012042046CRS
Court Case Filing:2012-09-19
Native Record Number:ncaoc_demo_crViewSCOTTMICHAELJUSTIN1988071959012042046CRS
Component Identifier:NCCR4
Component Description:NC Admin Office of Courts demographic criminal
Court Action 1:
Record ID: 59012042046CRS
Filing Date: 2012-09-19
Offense 2:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-07-19
Sex: M
Race: WHITE
State: NC
Court Record ID:17010707936CR
Court Case Filing:2010-09-17
Offense Statute:CITATIONNO:01177E0
Native Record Number:ncaoc_demo_crViewSCOTTMICHAELJUSTIN1988071917010707936CR
Component Identifier:NCCR4
Component Description:NC Admin Office of Courts demographic criminal
Court Action 1:
Record ID: 17010707936CR
Filing Date: 2010-09-17
Offense 3:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-07-19
Sex: M
Race: WHITE
State: NC
Court Record ID:17010707937CR
Court Case Filing:2010-09-17
Offense Statute:CITATIONNO:01177E1
Native Record Number:ncaoc_demo_crViewSCOTTMICHAELJUSTIN1988071917010707937CR
Component Identifier:NCCR4
Component Description:NC Admin Office of Courts demographic criminal
Court Action 1:
Record ID: 17010707937CR
Filing Date: 2010-09-17
Offense 4:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-07-19
Sex: M
Race: WHITE
State: NC
Court Record ID:59011026092CR
Court Case Filing:2011-05-09
Offense Statute:CITATIONNO:C1486126
Native Record Number:ncaoc_demo_crViewSCOTTMICHAELJUSTIN1988071959011026092CR
Component Identifier:NCCR4
Component Description:NC Admin Office of Courts demographic criminal
Court Action 1:
Record ID: 59011026092CR
Filing Date: 2011-05-09
Offense 5:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-07-19
Sex: M
Race: WHITE
State: NC
Court Record ID:48011704315CR
Court Case Filing:2011-03-22
Offense Statute:CITATIONNO:73291E0
Native Record Number:ncaoc_demo_crViewSCOTTMICHAELJUSTIN1988071948011704315CR
Component Identifier:NCCR4
Component Description:NC Admin Office of Courts demographic criminal
Court Action 1:
Record ID: 48011704315CR
Filing Date: 2011-03-22
Offense 6:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-07-19
Sex: M
Race: WHITE
State: NC
Court Record ID:48011704316CR
Court Case Filing:2011-03-22
Offense Statute:CITATIONNO:73291E1
Native Record Number:ncaoc_demo_crViewSCOTTMICHAELJUSTIN1988071948011704316CR
Component Identifier:NCCR4
Component Description:NC Admin Office of Courts demographic criminal
Court Action 1:
Record ID: 48011704316CR
Filing Date: 2011-03-22
Offense 7:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-07-19
Sex: M
Race: WHITE
State: NC
Court Record ID:59011021960CR
Court Case Filing:2011-04-18
Offense Statute:CITATIONNO:C1483380
Native Record Number:ncaoc_demo_crViewSCOTTMICHAELJUSTIN1988071959011021960CR
Component Identifier:NCCR4
Component Description:NC Admin Office of Courts demographic criminal
Court Action 1:
Record ID: 59011021960CR
Filing Date: 2011-04-18
Offense 8:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-07-19
Sex: M
Race: WHITE
State: NC
Court Record ID:59015004039CR
Court Case Filing:2015-02-03
Offense Statute:CITATIONNO:C3369783
Native Record Number:ncaoc_demo_crViewSCOTTMICHAELJUSTIN1988071959015004039CR
Component Identifier:NCCR4
Component Description:NC Admin Office of Courts demographic criminal
Court Action 1:
Record ID: 59015004039CR
Filing Date: 2015-02-03
Offense 9:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-07-19
Sex: M
Race: WHITE
State: NC
Court Record ID:59010060333CR
Court Case Filing:2010-09-23
Offense Statute:CITATIONNO:C0863946
Native Record Number:ncaoc_demo_crViewSCOTTMICHAELJUSTIN1988071959010060333CR
Component Identifier:NCCR4
Component Description:NC Admin Office of Courts demographic criminal
Court Action 1:
Record ID: 59010060333CR
Filing Date: 2010-09-23
Offense 10:
Full Name: JOHN Q PUBLIC
Date of Birth: 1988-07-19
Sex: M
Race: WHITE
State: NC
Court Record ID:59010245809CR
Court Case Filing:2010-09-22
Offense Statute:CITATIONNO:C0863948
Native Record Number:ncaoc_demo_crViewSCOTTMICHAELJ1988071959010245809CR
Component Identifier:NCCR4
Component Description:NC Admin Office of Courts demographic criminal
Court Action 1:
Record ID: 59010245809CR
Filing Date: 2010-09-22

Please note: The information in this report is derived from records in accordance with the Fair Credit Reporting Act (FCRA, U.S.C. § 1681). This information may only be used to verify statements made by an individual for employment purposes or in connection with other legitimate business needs. The depth of information available varies. Although every effort has been made to insure accuracy or completeness, final verification of an individual's identity and proper uses of report contents are the user's responsibility.

Eviction Records Search Results - REVIEW
Last update: 01/04/2017

OFFENDER CASE RECORD 1
First Name: JOHN
Middle Name: Q
Last Name: PUBLIC
Address: 4700 CALIFORNIA AVE SW#509
City: SEATTLE
State: WA
Court: SUPERIOR COURT - KENT
Filing Date: 02-19-2016
Case Number: 162040331
Plaintiff: EQUITY RESIDENTIAL MANAGEMENT
Case Type: CIVIL NEW FILING
OFFENDER CASE RECORD 2
First Name: JOHN
Middle Name: Q
Last Name: PUBLIC
Address: 4700 CALIFORNIA
City: SEATTLE
State: WA
Court: 856
Filing Date: 02-19-2016
Case Number: 040331
Plaintiff: EQUITY RESIDENTIAL MANAGEMENT LLC
Case Type: 1PV
Plaintiff Attorney: PUCKETT & REDFORD
Plaintiff Attorney Phone: 206-386-4800

Please note: The information in this report is derived from records in accordance with the Fair Credit Reporting Act (FCRA, U.S.C. § 1681). This information may only be used to verify statements made by an individual for employment purposes or in connection with other legitimate business needs. The depth of information available varies. Although every effort has been made to insure accuracy or completeness, final verification of an individual's identity and proper uses of report contents are the user's responsibility.