How to read an AmRent Report
       
AMRENT
950 THREADNEEDLE, STE 255
HOUSTON, TX 77079		 Bureau Address PHONE: 713-266-1870
FAX: 713-260-1290		 Bureau Phone and Fax Number
 
Decision Report   The header identifies what type the report is, such as Infile, Full Report or Decision.
 
PREPARED FOR:
TEST
1651 HAPPY LANE
COLUMBUS OH 43220
PREPARED FOR identifies what property management company, the report was prepared for.		 ATTN: WEB00013
ATTENTION shows who the report was ordered by. CHARGE shows the report price.		 LENDER CASE #:
1234567890123456
COMPUTER ID#:
098765432109876
LENDER CASE# is the report number assigned by the customer or if left blank will default to a 15-digit unique number. COMPUTER ID is the computer identification number assigned by CBC Companies.		 DATE RCVD: 01/12/03
DATE COMP: 01/12/03
DATE RECEIVED is the date the request was made. DATE COMPLETED if a FULL report, is the date the report was completed by the bureau. PREPARED BY identifies who prepared the report at the bureau. REPORT TYPE identifies whether the report is Individual or Joint.
 
  1.    Bureau Address.
2.    Bureau phone and fax numbers.
3.    The header identifies what type the report is, such as Infile, Full Report or Decision reports.
4.    Prepared For identifies what property management company, the report was prepared for.
5.    Attention shows who the report was ordered by.  Charges show the report price.
6.    Lender Case # is the report number assigned by the customer or if left blank will default to a
      15-digit unique number.
       Computer Id is the computer identification number assigned by AmRent.
7.    Date Received is the date the request was made.  Date Completed if a FULL report, is the date the
       report was completed by the bureau.  Prepared By identifies who prepared the report at the bureau.
       Report Type identifies whether the report is Individual or Joint.
 
Applicant
 
INPUT INFORMATION:
NAME: SPEED RACER
SSN: 000-01-6000
333 RACEWAY
FANTASY ISLAND, IL 60750

CURRENT ADDRESS:
333 RACEWAY W.
FANTASY ISLAND, IL 60750

PREVIOUS ADDRESS:
123 MAIN ST
COLUMBUS, OH 43215-5555
APPLICANT INFORMATION includes name, social security, martial status, home and work phone numbers, date of birth, number of dependents, current and up to 2 previous addresses, and whether the applicant rents or owns at the addresses. (Input address represents the address the user has input into CBCWin or CBCWeb and current is the address on file with the vendor, if different).

 DOB: 12/16/77 PRESENT EMPLOYMENT:
EMPLOYMENT INFORMATION shows the applicant’s current employer’s name, address and phone number; start date, position held, income amount, verification of income, the date the information was verified and who verified the information. It also shows up to 2 previous employer’s information.
 
  8.   Applicant information includes name, social security, martial status, home and work phone
      numbers, date of birth, number of dependents, input, current and up to 2 previous addresses, and
      whether the applicant rents or owns at the addresses.  (Input address represents the address the
      user has input into CBCWin or CBCWeb and current is the address on file with the vendor, if different).
9.   Employment Information shows the applicant’s current employer’s name, address and phone
      number;  start date, position held, income amount, verification of income, the date the information was
      verified and who verified the information.  It also shows up to 2 previous employer’s information.
 
Decision Results  Decisions rendered by the CBC Decision Program based on the client's predetermined resident selection criteria.
 
10.  APPLICANT DECLINED - NO FURTHER SCREENING - SEND ADVERSE LETTER
 
Decision Factors   Significant factors that lead to the Decision Result.
 
11.  CONVICTION EXISTS
        ONE OR MORE PAST DUE RENTAL ACCOUNTS EXIST
 
File Identifications   The applicant’s information from the vendor(s).
 
SPEED RACER
000-01-0000
The applicant’s name and social security number on file with the vendor.		 12/16/77
Date of birth, if the vendor returns one.		 333 RACEWAY
FANTASY ISLAND, IL 60750
Address on file with the vendor.		 DAMR01
The vendor supplying the information. EFX is Equifax, TRU is Trans Union, XPN is Experian and AMR is AmRent.
 
  12.  File Identifications shows the applicant’s information from the vendor(s).
    A.   The applicant’s name and social security number on file with the vendor.
B.   Date of birth, if the vendor returns one.
C.   Address on file with the vendor.
D.   The vendor supplying the information. EFX is Equifax, TRU is Trans Union, XPN is Experian
       and AMR is AmRent.
 
Credit Summary   Credit Summary
REVOLVING
INSTALLMENT
 REAL ESTATE
OPEN/OTHER
TOTAL
All revolving, installment, real estate and other accounts showing as open or unknown are added to provide total monthly payments, balances, credit limits and total of each column (Credit limit does not include closed accounts.)		 PAYMENTS 105
1974
1997
0
3976		 BALANCES
1110
26219LIMIT
1846578
0
2109077		 LIMITS
82875
26219
184578
0
428844		 TRADES
26
7
1
0
34
All tradelines are added to get the total number of times 30, 60 or 90 days the revolving, installment, real estate, open and unknown account that have been delinquent.		   30
0
0
0
0
0		 60
0
0
0
0
0		 90
0
0
0
0
0		  
                         
#INQUIRES
WORST TRADE		 Number of inquiries on a report, the worst tradeline status on the report, number of public records, oldest date reported, number of bankruptcies, number of satisfactory accounts and total past due amount. 42
5		   #PUBLIC RECORDS
OLDEST DATE		 0
02/01/78		   #BANKRUPTCIES
#SATISFACTORIES
PAST DUE		 0
20
10778
 
  13.  Credit Summary contains
    A.   All revolving, installment, real estate and other accounts showing as open or unknown are added to
      provide total monthly payments, balances, credit limits and total of each column (Credit limit does
      not include closed accounts.)
B.   All tradelines are added to get the total number of times 30, 60 or 90 days the revolving, installment,
      real estate, open and unknown account that have been delinquent.
C.   Number of inquiries on a report, the worst tradeline status on the report, number of public records,
      oldest date reported, number of bankruptcies, number of satisfactory accounts and total past due
      amount.
Scoring   Scoring contains the statistical assessment of models delivered by the repositories.
     
1.  RENTWISE + 896
LACK OF RECENT REVOLVING ACCOUNT INFORMATION
TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED
HIGH PROPORTION OF RECENT INQUIRIES TO RECENTLY OPENED TRADES
HIGH PROPORTION OF RECENTLY OPENED TRADES TO INQUIRES
857 565 163 333		 CBC99l
     
2.  FAIR ISACC SCORE
+ 788
NUMBER OF RECENT INQUIRIES
CURRENT BALANCES ON ACCOUNTS
TIME SINCE OLDEST TRADELINE OPENED		 XPN011
     
     14. Scoring contains the statistical assessment of models delivered by the repositories.
     
 Fraud Alert   Messaging related to input name, address, social security number or phone number that matches available fraud databases and (if activated) the Office of Foreign Asset Control (OFAC) database.
     
 15.   CBC OFAC:  TESTCASE, EDWARD
SPELLING OF INPUT NAME DID NOT MATCH OFAC LIST 		CBC01
     
Criminal Records   This section provides any criminal records found in the AmRent database.
     This search was performed in the AmRent data base and is limited to the information contained in the AmRent database.  The criminal records in the AmRent database consist of public records derived from government sources and are limited to the information provided by those sources.  AmRent does not guaranty the accuracy to such information.
 
1 CRIMINAL RECORD         AMRO1
   OFFENSE: MURDER    Docket # or case # provided by court or # generated from source documents.      
   LEVEL: CLASS A     DOCKET#: 123456  
   DEGREE: 013456     DATE FIELD: 01/01/01  
        STATUS    
   STATUS:     DATE: 01/02/01  
   CONVICTION        AMOUNT: $ 2000  
   SENTENCE: YEARS: 12 MONTHS: 12 DAYS: 12 DISPUTE: N  
   PROBATION: YEARS: 12 MONTHS: DAYS:      
   COURT: FAIRFIELD COUNTY MUNICIPAL COURT PHONE: 000-000-0000  
   ADDRESS: LANCASTER OH      
             
   COUNTY: FAIRFIELD COUNTY      
         
 
16.    Criminal Records- Name and Date of Birth are required fields and the search is limited to records contained in our database.  Multiple services are accessed and records can include felony and misdemeanor offenses as well as sexual offender data.
  A. Docket # or case # provided by court or # generated from source documents.
     
Property Management Records   This section containes property rental records provided from property management clients.
 
1  RENTAL HISTORY  AMR01
    LANDLORD: DAVE S QA CUSTOMER PHONE:  614-555-1111  
    ADDRESS: 1661 CUSTOMER STREET CUSTOMER#:  001DEMO  
  COLUMBUS, OH 43215    
  ACCOUNT#:  123456123456  
    DATE REPORTED:   09/25/01 MONTHLY:  $ 2000   MANNER OF PYMT:  2  
    MOVE IN DATE:   01/01/01 LEASE AMOUNT:  $24000      
    BALANCE AMOUNT:  $ 6000      
    PAST DUE AMT:  $4000   DISPUTE:  N  
 
       
   17.    Property Management Records – Move In and Move Out information supplied from property management companies. Positive and Negative data can be displayed.
    PROM Ratings
Payment Status
0 - Account Current
1 thru 8 # of Payment Past Due
9 - In Collection
 
Public Record Information   Shows all public record items for both the applicant and co-applicant.
 
 1  CIVIL JUDGEMENTS  FILED - 01/00  VRFD- 01/01  LACT - 09/00  
     CASE- CSE123456        
   AMT - 1500  LIAB 1500  ASSET - 1500  
   PLTF - WARD COMPANY    DFNT - TESTCASE.E TRU99
     ATTNY -JOHN DOE  
          
 1  EVICTION ACTION FILED  FILED - 02/02      
     CASE - 123456789        
  AMT - 10     AMR01
     PLTF - JULIE B   ATTNY -ME    
     MADISON COUNTY MUNICIPAL COURT        
         
COMMENTS SECTION FOR PUBLIC RECORD INFORMATION
  
     18.  PUBLIC RECORD INFORMATION SHOWS ALL PUBLIC RECORD ITEMS FOR BOTH THE APPLICANT AND CO-APPLICANT.    
  
               MOST EVICTION INFORMATION WILL APPEAR IN THE PUBLIC RECORD SECTION
  
Credit History   When AmRent report is accessed with credit vendors.
  
The Equal Credit Opportunity Act (ECOA) code indicates who is responsible for repayment of the debt.   HIGHEST CREDIT OR LIMIT is the highest credit or limit amount reported from the credit grantor. BALANCE is the remaining balance owed to the creditor as of the date reported. PAST DUE is the amount the account is currently past due.   Months reviewed, 30/60/90 days account delinquency, 12-24 history and delinquent dates Type/Rate Vendor is the type and overall status of the account with the creditor.
E CREDITOR
ACCT#		 RPTD
OPEN
LAST-ACT		 LIMIT/HC
BALANCE		 PAST-DUE TERMS #MONTHS 30/60/90
HISTORY		 TYPE
RATE
1







1




8		 ASSOCIATED SALES
#377736691450

E614111111




BANK OF USA
#51087433895
Creditor Name, address, phone number and applicant’s account number.

BANKAMERICA
#542076118077
0000 E BUCKEYE RD
#2723
PHOENIX AZ 85034
(123) 256-7890		 01/01
04/89
01/01



DATE REPORTED is the last time the status of the account was reported by the creditor. DATE OF LAST ACTIVITY is the last date of any activity on the account. DATE OPENED is the date the account was opened by the creditor.

12/00
11/94
12/00


03/99
11/94
10/95		 85000
9243






3297
2831



9000
0		   180 M 500

 

TERMS is the number of months or years to repay creditor and monthly payment.

E60 M 589

 

 21               2/4/4
122111333111E
44411112211
12/00 2 04/05 4
01/01 3
COMMENTS INFORMATION
WILL BE DISPLAYED HERE
11111111111  Comment Line shows any additional comments about that tradeline
22331111111
10/99 2
11/99 2

52                    0/0/0



CLOSED - CONSUMER		 * INS 1
CREDIT
CARD
XPN01




* INS 1
AUTO
XPN01


REV 1
CREDIT
CARD
EFX01
(TRU)
Multiple vendor reports will show duplicate vendor(s) in parentheses.
 
19.  Credit History (if AmRent report is accessed with credit vendors)
    A.  The Equal Credit Opportunity Act (ECOA) code indicates who is responsible for repayment of the debt.
      0 – Undesignated whether Individual or Joint
1 – Individual account for the applicant
2 – Joint account for the applicant with undesignated co-borrower
3 – Authorized user other than applicant
4 – Joint not determined whether #2 or #3
5 – Applicant is a co-maker
6 – On behalf (used only in Massachusetts
7 – Maker (if subject defaults, co-maker is liable)
8 – Co-applicant’s information
9 – Subject is no longer associated with account
       
    B.  Creditor Name, address, phone number and applicant’s account number.
    C.  Date Reported is the last time the status of the account was reported by the creditor. 
     Date of Last Activity is the last date of any activity on the account. 
     Date Opened is the date the account was opened by the creditor.
     
    D.  Highest Credit or Limit is the highest credit or limit amount reported from the credit grantor.
     Balance is the remaining balance owed to the creditor as of the date reported.
    E.  Past Due is the amount the account is currently past due.
      
    F.  Terms is the number of months or years to repay creditor and monthly payment.
    G.  Months reviewed, 30/60/90 days account delinquency, 12-24 history and delinquent dates.
     
    H.  Type/Rate Vendor is the type and overall status of the account with the creditor.
      0 – Account too new to rate
1 – Pay as agreed, customarily within 30 days
2 – At least 30 days past due
3 – At least 60 days past due
4 – At least 90 days past due
5 – At least 120 days past due
6 – At least 180 days past due
7 – Account included under wage earner, NPFC plan (Chapter 13 bankruptcy)
8 – Merchandise repossessed
9 – Bad debt, placed for collections
X – No information or rating available
N – NO activity, current account with zero balance

INS (Installment) – Fixed number of payments
OPN (Open) = Payment due at billing at 30 or 90 days
REV (Revolving) – Percentage of total due each month
MTG (Mortgage) – Fixed number of payments

EFX – Equifax
TRU – Trans Union
XPN – Experian
AMR - AmRent
       
    I.  Comment Line shows any additional comments about that tradeline.
   
 
I. No Mos Hist Rev shows the Number of months the account status has been reviewed.  30 Days, 60 Days, 90 Days shows the number of months the account has been delinquent over 30, 60, and 90 days during the months reviewed.
 
II. 12 – 24 months history is a grid that shows the record of the account over a period up to 24 months.  The rows of numbers are the ratings for each month beginning at the left with the status of the most current reported first.
 
III. Delinquent dates show up to three most recent delinquent dates and rates; and worst delinquent date.
 
# MONTHS 30/60/90
HISTORY
No Mos Hist Rev shows the Number of months the account status has been reviewed.  30 Days, 60 Days, 90 Days shows the number of months the account has been delinquent over 30, 60, and 90 days during the months reviewed.               
24
12111333111
444111112211
12 – 24 months history is a grid that shows the record of the account over a period up to 24 months.  The rows of numbers are the ratings for each month beginning at the left with the status of the most current reported first.
12/00 2 04/95 4
01/01 3
Delinquent dates shows up to three most recent delinquent dates and rates; and worst delinquent date.
     
    J. Multiple vendor reports will show duplicate vendor(s) in parentheses. 

 
Inquiries   List all inquiries up to 365 days depending on your customer setup.
 
--DATE-- ECOA KOB MEMBER-NO    
07/05/02 1   001CBC12345 AMRENT QA CUSTOMER (713) 266-1870
950 THREADNEEDLE, STE 255
HOUSTON, TX 77079		 AMR01
07/05/02 1   001CBC12345 AMRENT QA CUSTOMER (713) 266-1870
950 THREADNEEDLE, STE 255
HOUSTON, TX 77079		 AMR01
07/05/02 1   843ZB06039 LIMEWOOD APARTMENTS (123) 456-7890
000 LIMEWOOD DR
BATTLE CREEK MI 49017		 AMR01
04/10/02 1   616ZB04898 AMRENT-MTG
000 S GREENFI9ELD CIRCLE NE
GRAND RAPIDS MI 49505		 EFX01
07/05/02 1   399ZB06456 AB MORTGAGE
000 ABBOTT AVENUE
HILLSBORO TX 76645		 EFX01
 
  20.  Inquiries list all inquires up to 365 days depending on your customer setup.
 
Additional Information   Contains any additional information or changes to the report along with any repositories accessed.  This section will also contain any vendor errors that may be returned.
 
1  KNOWN ALIAS
NICKNAME: JOE B CAT JR		 XPNO1
     
1 ERROR
PROGRAM ERROR - PRINT TOTAL TRANSACTION		 EFX00
     
1 MISCELLANEOUS
THIS IS A TEST FILE		 TRU01
     
  21.  Additional Information contains any additional information or changes to the report along with any repositories accessed.  This section will also contain any vendor errors that may be returned.
 
Consumer Referral Information   Contains the address and phone number of the consumer reporting agency responsible for handling consumer disclosures and disputes. These contacts should be included on adverse action statements.
 
  AMRENT
PO BOX 605
COLUMBUS, OH 43216-0605
888-898-6196		 AMR01
     
  EQUIFAX CREDIT INFORMATION SERVICES
PO BOX 740241
ATLANTA, GA 30374-0241
800-685-1111		 EFX065
     
  TRANS UNION CORPORATION
2 BALDWIN PLACE
PO BOX 1000
CHESTER, PA 19022
800-888-4213		 TRU01
     
  EXPERIAN
701 EXPERIAN PARKWAY
PO BOX 2002
ALLEN, TX 75013-0036
800-397-3742		 XPNTIL1
     
  22.  Consumer Referral Information contains the address and phone number of the consumer reporting
agency responsible for handling consumer disclosures and disputes.  These contacts should be included on adverse action statements.