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Prepared for: AMANDA S KESSELL Report Date: 11/5/2009
Personal Profile
Here you will find the personal information
contained in your credit file, including your
legal name(s), address(es), current and previous
employers, and date of birth.
EXPERIAN
EQUIFAX
TRANSUNION
Name: AMANDA S KESSELLAMANDA S KESSELLAMANDA S

KESSELL
Also Known As:
Year of Birth: 198619861986
Address(es): 10727 PENDRAGON PL, RALEIGH, NC
27614-8993
13101 BRIAR FOREST D APT 6406F, HOUSTON, TX

77077-2046
RR 1 BOX 380, LIBERTY, WV 25124-9700
13101 BRIAR FOREST DR APT 6406F, HOUSTON, TX

77077
RR 1 BOX 380, LIBERTY, WV 25124
10727 PENDRAGON PL, RALEIGH, NC 27614
13101 BRIAR FOREST DR 6406F, HOUSTON, TX 77077
3416 SUNCREST VILLAGE LN, RALEIGH, NC 27616
1 RR 1 BOX 380, LIBERTY, WV 25124
Current Employer: ALDERSON BROADDUS

COLLEALDERSON BROADDUS COLLEGE
Previous Employer(s): ALDERSON-BROADDUS
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Credit Summary
This section gives you a broad look at your
current and past credit status. Here you'll find
the total number of open and closed accounts in
your name, the total balance on those accounts,
and delinquencies.
EXPERIAN
EQUIFAX
TRANSUNION
REAL ESTATE ACCOUNTS:

Count000
Balance$0.00$0.00$0.00
Current000
Delinquent000
Other000
REVOLVING ACCOUNTS:
Count224
Balance$0.00$0.00$0.00
Current202
Delinquent000
Other000
INSTALLMENT ACCOUNTS:
Count888
Balance$26,890.00$26,890.00$26,890.00
Current666
Delinquent020
Other000
OTHER ACCOUNTS:
Count000
Balance$0.00$0.00$0.00
Current000
Delinquent000
Other000
COLLECTION ACCOUNTS:
Count1174
Balance$4,612.00$8,058.00$2,782.00
Current110
Delinquent000
Other000
TOTAL ACCOUNTS:
Count211716
Balance$31,502.00$34,948.00$29,672.00
Current978
Delinquent020
Other000
ACCOUNTS SUMMARY:
Open Accounts:6012
Closed Accounts:1504
Public Records:000
Inquiries:5115
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Public Records
The information in this section comes from
federal district bankruptcy records, state and
county court records, tax liens and monetary
judgments, and in some states, overdue child
support records. Public records remain on your
credit report for 7-10 years.
There are 0 public record items on your report.
Credit Inquiries
This section contains the names of those who
obtained a copy of your credit report. Inquiries
remain on your report up to two years.
EXPERIAN
EQUIFAX
TRANSUNION
RESIDENTCHECK.COM
Tenant Screeners (Reseller)
8/21/2009
WLMS FUDGE
Other
8/17/2009
WACHOVIA BAN
Banks and S&Ls
8/8/2009
SAFERENT
Tenant Screeners (Reseller)
8/6/2009
AT&T SVCS,INC CONS S

Telephone Companies
6/22/2009
FIRSTPOINTCR
Collection services
6/17/2009
NES
Collection services
4/30/2009
CREDITORS FINANCIAL
Other Collection Agencies
3/5/2009
UNITED RECOVERY SYSTEM

Other Collection Agencies
2/23/2009
LEITH TOYOTA
Automobile Dealers, New
8/20/2008
CITIFINANCIAL AUTO
Personal Loans Cos.
8/20/2008
CAPITAL ONE
Auto Financing
8/20/2008
AMERICREDIT FINANCIA
Auto Financing
8/20/2008
CHASE AUTO
Miscellaneous
8/20/2008
SOUTHEAST TOYOTA FIN

Auto Financing
8/20/2008
COAF
Finance, personal
8/20/2008
MACKENAN AUTOMOTIVE
Automobile Dealers, New
8/18/2008
ROADLOANS
Auto Financing
8/17/2008
WACHOVIA
Banks and S&Ls
3/6/2008
CITIBANK NA
Mortgage Cos.
2/11/2008
VERIZON WIRELESS
Wireless Telephone Service Provider
1/18/2008
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Account History
This section contains specific information on
each account you've opened in the past. Positive
information about your accounts remains on your
report indefinitely.
ACS
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:ABSOLUTE COLLECT SVC ACS

Account Number:A2402XXXX A2402XXXX A2402XXXX
Acct Type:Collection Department / Agency /
Attorney Collection Account Collection Account
Acct Status:Closed Open

Monthly Payment:
Date Open:8/1/2009 8/1/2009 8/4/2009
Balance:$554.00 $554.00 $554.00
Terms:1 Month
High Balance:
Limit:
Past Due:$554.00
Payment Status:Seriously past due date /
assigned to attorney, collection agency, or
credit grantor's internal collection department
Unpaid Collection account
Comments: MEDICAL
Unpaid
Placed for collection
24-Month Payment History? Legend
Date:NovDecJanFebMarAprMayJunJulAugSepOctNovDecJan
FebMarAprMayJunJulAugSepOct
070708080808080808080808080809090909090909090909
KD
Experian:
Equifax:
TransUnion:
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ACS
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:ABSOLUTE COLLECT SVC ACS

Account Number:A2402XXXX A2402XXXX A2402XXXX
Attorney Collection Account Collection Account

Monthly Payment:
Date Open:8/1/2009 8/1/2009 8/4/2009
Balance:$698.00 $698.00 $698.00
Terms:1 Month
High Balance:
Limit:
Past Due:$698.00
Unpaid Collection account
Comments: MEDICAL
Unpaid
070708080808080808080808080809090909090909090909
KD
Experian:
Equifax:
TransUnion:
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EXPERIAN
EQUIFAX
TRANSUNION
Account Name:KROSS/LIEBERMAN & STON

Account Number:41XXXX 41XXXX
Attorney Collection Account
Acct Status:Closed
Monthly Payment:
Date Open:12/1/2008 12/1/2008
Balance:$645.00 $645.00
Terms:1 Month
High Balance:
Limit:
Past Due:$645.00
Unpaid
Comments: MEDICAL
Unpaid
Date:OctNovDecJanFebMarAprMayJunJulAugSepOctNovDec
JanFebMarAprMayJunJulAugSep
070707080808080808080808080808090909090909090909
KDNDNDNDNDNDNDKD
Experian:
Equifax:
TransUnion:
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EXPERIAN
EQUIFAX
TRANSUNION
Account Name:
Account Number: 41XXXX
Acct Type: Collection Account
Acct Status:
Monthly Payment:
Date Open: 12/1/2008
Balance: $0.00
Terms:
High Balance:
Limit:
Past Due:
Payment Status: Paid
Comments: MEDICAL
Paid
Date:JanFebMarAprMayJunJulAugSepOctNovDecJanFebMar
AprMayJunJulAugSepOctNovDec
------------------------
Experian:
Equifax:
TransUnion:
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EXPERIAN
EQUIFAX
TRANSUNION
Account Name:ABSOLUTE COLLECT SVC

Account Number:A2288XXXX A2288XXXX
Acct Status:Closed
Monthly Payment:
Date Open:4/1/2009 4/1/2009
Balance:$48.00 $48.00
Terms:1 Month
High Balance:
Limit:
Past Due:$48.00
Unpaid
Comments: MEDICAL
Unpaid
Date:AugSepOctNovDecJanFebMarAprMayJunJulAugSepOct
NovDecJanFebMarAprMayJunJul
070707070708080808080808080808080809090909090909
KD
Experian:
Equifax:
TransUnion:
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AES/PNC
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:AES/PNC AES/PNC EDUCATION LO

AES/PNC
Account Number:997548382PA0XXXX
997548382PA0XXXX 997548382PA0XXXX
Acct Type:Education Loan Installment
Installment account
Acct Status:Open Open
Monthly Payment:
Date Open:8/1/2005 8/1/2005 8/30/2005
Balance:$3,500.00 $3,170.00 $3,170.00
Terms:Unknown
High Balance: $3,170.00 $3,170.00
Limit:
Past Due: $0.00 $0.00
Payment Status:Current Pays account as agreed
Paid or paying as agreed
Comments:Student loan - payment deferred
STUDENT LOAN - PAYMENT DEFERRED
Payment deferred
Date:SepOctNovDecJanFebMarAprMayJunJulAugSepOctNov
DecJanFebMarAprMayJunJulAug
070707070808080808080808080808080909090909090909
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Experian:
Equifax:
TransUnion:
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AES/PNC
EXPERIAN
EQUIFAX
TRANSUNION

AES/PNC
997548382PA0XXXX 997548382PA0XXXX
Installment account
Monthly Payment:
Date Open:8/1/2005 8/1/2005 8/17/2005
Balance:$3,170.00 $3,500.00 $3,500.00
Terms:Unknown
High Balance: $3,500.00 $3,500.00
Limit:
Past Due: $0.00 $0.00
Payment deferred
070707070808080808080808080808080909090909090909
Experian:
Equifax:
TransUnion:
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AES/PNC
EXPERIAN
EQUIFAX
TRANSUNION

AES/PNC
997548382PA0XXXX 997548382PA0XXXX
Installment account
Monthly Payment:
Date Open:10/1/2006 10/1/2006 10/3/2006
Balance:$5,500.00 $5,500.00 $5,500.00
Terms:Unknown
High Balance: $5,500.00 $5,500.00
Limit:
Past Due: $0.00 $0.00
Payment deferred
070707070808080808080808080808080909090909090909
Experian:
Equifax:
TransUnion:
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ALDRSN BRDUS
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:ALDERSON BROADDUS ALDERSON

BROADDUS CO ALDRSN BRDUS
Account Number:234298346PEXXXX 234298346PEXXXX
234298346PEXXXX
Installment account
Acct Status:Closed Closed
Monthly Payment: $40.00 $40.00
Date Open:8/1/2004 8/1/2004 8/21/2004
Balance:$1,425.00 $1,425.00 $1,425.00
Terms:27 Months 27 Months
High Balance: $1,000.00 $1,000.00
Limit:
Past Due:$1,425.00 $1,425.00 $1,425.00
At least 120 days or more than four payments
past due Collection account
Comments: COLLECTION ACCOUNT
STUDENT LOAN
070707080808080808080808080808090909090909090909
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK306090120120KDKD
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK306090120120OK
Experian:
Equifax:
TransUnion:
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AMERICREDIT
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:AMERICREDIT AMERICREDIT

AMERICREDIT
Account Number:43622XXXX 43622XXXX 43622XXXX
Acct Type:Auto Loan Installment Installment
account
Monthly Payment:$266.00 $266.00 $266.00
Date Open:9/1/2007 9/1/2007 9/10/2007
Balance:$6,898.00 $6,898.00 $6,898.00
High Balance: $9,557.00 $9,557.00
Limit:
Past Due: $0.00
Payment Status:Current, was past due 30 days
Pays account as agreed Paid or paying as agreed
Comments: AUTO
FIXED RATE
070707080808080808080808080808090909090909090909
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKND30OKOKOKOKOKOKOK
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOK30OKOKOKOKOKOKOKOK
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOK30OKOKOKOKOKOKOKOK
Experian:
Equifax:
TransUnion:
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ARC
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:CONTRACT CALLERS INC ARC

Account Number:ARC28XXXX ARC28XXXX
Acct Status:Closed
Monthly Payment:
Date Open:8/1/2007 8/1/2007
Balance:$425.00 $425.00
Terms:1 Month
High Balance:
Limit:
Past Due:
Unpaid
Comments: Unpaid
070707080808080808080808080808090909090909090909
KDNDKDNDNDKDKDKDKDNDKDKDKDKDKDNDKDKDKDKDKDKDKD
Experian:
Equifax:
TransUnion:
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BK OF AMER
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:BANK OF AMERICA BANK OF AMERICA

BK OF AMER
Account Number:9XXX 9XXX 9XXX
Acct Type:Credit Card - Revolving Terms
Revolving or Option Revolving account
Monthly Payment: $15.00
Date Open:6/1/2005 6/1/2005 6/24/2005
Balance: $0.00 $0.00
Terms:Revolving
High Balance: $2,794.00 $2,794.00
Limit:$2,000.00 $2,000.00
Past Due: $0.00
Payment Status:Legally paid in full for less
than the full balance Bad debt & placed for
collection & skip Payment after charge off /
collection
Comments:Election of remedy - reported by
subscriber
PAID ACCOUNT / ZERO BALANCE
SETTLEMENT ACCEPTED ON THIS ACCOUNT
Settled; less than full balance
070707080808080808080808080808090909090909090909
KDKDKDKDKDKDKDKDKDKDKDNDNDNDNDNDNDNDNDNDNDOKKD
1201206030OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Experian:
Equifax:
TransUnion:
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CITI
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:CITI CITI

Acct Type:Credit Card - Revolving Terms
Revolving account
Monthly Payment:
Date Open:7/1/2004 7/24/2004
Balance: $0.00
Terms:Revolving
High Balance:
Limit:$800.00 $800.00
Past Due: $0.00
Payment Status:Legally paid in full for less
than the full balance Payment after charge
off / collection
Comments:Account in dispute-reported by
subscriber
Account information disputed by consumer
070707070808080808080808080808080909090909090909
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOK6090120120KDKDKDKDKD
Experian:
Equifax:
TransUnion:
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CITIBANK SD, NA
EXPERIAN
EQUIFAX
TRANSUNION
Account Name: CITIBANK SD, NA

Acct Type: Revolving or Option
Acct Status:
Monthly Payment:
Date Open: 7/1/2004
Balance: $0.00
Terms:
High Balance: $800.00
Limit:
Past Due:
Payment Status: Bad debt & placed for
collection & skip
Comments:
SETTLEMENT ACCEPTED ON THIS ACCOUNT
070707080808080808080808080808090909090909090909
OKOKOKOKOKOKOKOKOKOKOKOKOKOK6090120120OKOKOKOKOKOK
Experian:
Equifax:
TransUnion:
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CMRE FINANCIAL SVCS IN

EXPERIAN
EQUIFAX
TRANSUNION
Account Name:CMRE FINANCIAL SVCS IN

Account Number:T710CMBS17451XXXX
Attorney
Acct Status:Closed
Monthly Payment:
Date Open:4/1/2007
Balance:$316.00
Terms:1 Month
High Balance:
Limit:
Past Due:$316.00
Comments:
050505050506060606060606060606060607070707070707
KD
Experian:
Equifax:
TransUnion:
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COLL SVC CTR

EXPERIAN
EQUIFAX
TRANSUNION
Account Name: COLL SVC CTR

Account Number: 7XXX
Acct Status: Open
Monthly Payment:
Date Open: 9/19/2006
Balance: $204.00
Terms:
High Balance:
Limit:
Past Due:
Payment Status: Collection account
Comments: Placed for collection
------------------------
Experian:
Equifax:
TransUnion:
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COLLEGE FOUN
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:COLLEGE FOUNDATION INC COLLEGE

FOUNDATION COLLEGE FOUN
Installment account
Monthly Payment:$40.00 $31.00 $40.00
Date Open:10/1/2007 10/1/2007 10/2/2007
Balance:$3,627.00 $2,770.00 $3,627.00
High Balance: $2,500.00 $3,386.00
Limit:
Past Due: $0.00
Payment Status:Current, was past due 180 days or
more Pays account as agreed Paid or paying as
agreed
Comments: STUDENT LOAN
070707080808080808080808080808090909090909090909
90120120120OKOKOKOKOK
OKOKOKOKOKOKOKOKOKOKOKOKOK306090120120120OKOKOKOKO
K
OKOK306090120120120NDNDNDNDOK
Experian:
Equifax:
TransUnion:
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COLLEGE FOUN
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:COLLEGE FOUNDATION INC COLLEGE
FOUNDATION COLLEGE FOUN
Installment account
Monthly Payment:$31.00 $40.00 $31.00
Date Open:10/1/2007 10/1/2007 10/2/2007
Balance:$2,770.00 $3,627.00 $2,770.00
High Balance: $3,386.00 $2,500.00
Limit:
Past Due: $0.00
Payment Status:Current, was past due 180 days or
more Pays account as agreed Paid or paying as
agreed
Comments: STUDENT LOAN
070707080808080808080808080808090909090909090909
OKOK306090120120120NDNDOKOKOK
OKOKOKOKOKOKOKOKOKOKOKOKOK306090120120120OKOKOKOKO
K
OKOK306090120120120NDNDNDNDOK
Experian:
Equifax:
TransUnion:
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FIRSTPOINT COLL RESO

EXPERIAN
EQUIFAX
TRANSUNION
Account Name: FIRSTPOINT COLL RESO

Acct Status:
Monthly Payment:
Date Open: 6/1/2009
Balance: $5,688.00
Terms:
High Balance:
Limit:
Past Due:
Payment Status: Unpaid
Comments: Unpaid
------------------------
Experian:
Equifax:
TransUnion:
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FST PREMIER
EXPERIAN
EQUIFAX
TRANSUNION
Account Name: FST PREMIER

Acct Type: Revolving account
Acct Status: Open
Monthly Payment:
Date Open: 7/1/2003
Balance:
Terms:
High Balance: $198.00
Limit: $300.00
Past Due: $0.00
Payment Status: Paid or paying as agreed
Comments:
Date:JulAugSepOctNovDecJanFebMarAprMayJunJulAugSep
OctNovDecJanFebMarAprMayJun
010101010101020202020202020202020202030303030303
OK
Experian:
Equifax:
TransUnion:
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HEA CR F SRV
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:HEALTHCARE FINANCIAL S HEA CR F

SRV
Monthly Payment:
Date Open:9/1/2007 9/14/2007
Balance:$1,326.00 $1,326.00
Terms:1 Month
High Balance:
Limit:
Past Due:$1,326.00
Collection account
Comments: Placed for collection
060606060607070707070707070707070708080808080808
KD
Experian:
Equifax:
TransUnion:
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KROSS/LIEBERMAN & STON

EXPERIAN
EQUIFAX
TRANSUNION
Account Name:KROSS/LIEBERMAN & STON

Account Number:41XXXX
Attorney
Acct Status:Closed
Monthly Payment:
Date Open:12/1/2008
Balance:
Terms:1 Month
High Balance:
Limit:
Past Due:
Payment Status:Paid, was a collection account,
insurance claim or government claim or was
terminated for default
Comments:
070707080808080808080808080808090909090909090909
KDNDNDNDNDNDKDOK
Experian:
Equifax:
TransUnion:
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NCO FIN/99
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:NCO FIN/99

Attorney
Acct Status:Closed
Monthly Payment:
Date Open:3/1/2008
Balance:$93.00
Terms:1 Month
High Balance:
Limit:
Past Due:$93.00
Comments:
Date:MayJunJulAugSepOctNovDecJanFebMarAprMayJunJul
AugSepOctNovDecJanFebMarApr
070707070707070708080808080808080808080809090909
KDKDKDKDKDKDKDKDKDNDKDKD
Experian:
Equifax:
TransUnion:
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US DEP ED
EXPERIAN
EQUIFAX
TRANSUNION
Account Name:US DEPT OF EDUCATION U S

DEPARTMENT OF ED US DEP ED
234298XXXX
Installment account
Monthly Payment:$50.00 $50.00 $50.00
Date Open:9/1/2004 9/1/2004 9/28/2004
Balance:$0.00 $0.00 $0.00
High Balance: $5,182.00 $5,182.00
Limit:
Past Due:$0.00 $0.00 $0.00
Payment Status:Claim filed with government for
insured portion of balance on loan At least 120
days or more than four payments past due
Payment after charge off / collection
Comments: COLLECTION ACCOUNT
DEFAULTED LOAN - CLAIM FILED AGAINST GUARANTOR
Government secured guaranteed
070707080808080808080808080808090909090909090909
OKOKOKOKOKOKOKOKOKOKOKOKOK609012012012012012012012
0120KD
OKOKOKOKOKOKOKOKOKOKOKOKOK609012012012012012012012
0120120
Experian:
Equifax:
TransUnion:
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USA CREDIT
EXPERIAN
EQUIFAX
TRANSUNION
Account Name: USA CREDIT

Acct Type: Revolving account
Acct Status: Open
Monthly Payment:
Date Open: 9/3/2008
Balance: $0.00
Terms:
High Balance: $0.00
Limit: $7,500.00
Past Due: $0.00
Payment Status: Paid or paying as agreed
Comments:
060606070707070707070707070707080808080808080808
OK
Experian:
Equifax:
TransUnion:
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VANGUARD FINANCIAL SER

EXPERIAN
EQUIFAX
TRANSUNION
Account Name:VANGUARD FINANCIAL SER

Attorney
Acct Status:Closed
Monthly Payment:
Date Open:8/1/2007
Balance:$447.00
Terms:Unknown
High Balance:
Limit:
Past Due:$447.00
Comments:
070708080808080808080808080809090909090909090909
NDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDKD
Experian:
Equifax:
TransUnion:
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VANGUARD FINANCIAL SER

EXPERIAN
EQUIFAX
TRANSUNION
Account Name:VANGUARD FINANCIAL SER
Attorney
Acct Status:Closed
Monthly Payment:
Date Open:4/1/2008
Balance:$60.00
Terms:Unknown
High Balance:
Limit:
Past Due:$60.00
Comments:
070708080808080808080808080809090909090909090909
NDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDNDKD
Experian:
Equifax:
TransUnion:
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Legend
OKCurrent9090 Days Late
NDNo Data Provided*120120 Days Late
3030 Days LateKDKey Derogatory**
6060 Days LateRFRepossession or Foreclosure
PPPayment Plan
*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.
PLUS ScoreSM Report

A PLUS Score is a numerical representation of
your credit worthiness. The majority of lenders
use some sort of credit scoring model to help
predict what kind of credit risk you may be. For
each bureau's score and personalized analysis,
click on the colored tabs below.
^Top of Page^
PLUS Score from Experian
This PLUS Score is based on information from
your Experian credit report.
Your PLUS Score is calculated using the
information in your credit report. Since
information often differs among your three
bureau reports, your PLUS Scores based on those
reports will also vary.
Your PLUS Score is: 511 on a scale of 330 - 830.
Your Credit Category is:
Very Poor
Poor
Fair
Good
Excellent
Percentile: Your credit rating ranks higher than

1.08% of U.S. consumers.
PLUS Score Analysis ? Help
About your PLUS Score:

Your PLUS Score is formulated using the
information in your credit file. Your PLUS Score
can range between 330 and 830, 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 your PLUS Score means:
Currently, factors in your credit file indicate
that you may be viewed as a high credit risk by
lenders. Your rates and terms are likely to be
high, such as on an auto loan, requiring large
down payments and costing you more in the long
run.
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,
consistency, and better terms and rates for
American consumers through reduced costs and
losses for lenders. While lenders may use
different scoring models to determine how you
score, and each major credit bureau 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.
What factors raise your PLUS Score:

Your credit report does not contain negative
public records, such as a bankruptcy, lien,
lawsuit or judgment filed within the last two
years. This is having a positive impact on your
credit score. Public record items may remain on
your credit report for 7 to 15 years, depending
on the item.
What factors lower your PLUS Score:

Your payment history shows 1 or more payments
that were late by 30 days or more. Late payments
count negatively against your credit score.
Negative information can stay on your credit
report for up to 7 years for some items, up to
10 years for bankruptcies and 15 years for
unpaid tax liens.
Your report does not show any open, currently

active major credit card accounts, such as
Discover, American Express, VISA, or MasterCard.
Each time a potential lender or landlord pulls

your credit report for review, an inquiry is
placed on your file. Inquiries stay on your
credit report for up to 2 years. Having several
inquiries on your credit report is negatively
affecting your score. They are not necessarily
negative information, but too many inquiries may
indicate to lenders that you are trying to take
on more new debt or possibly overextending
yourself.
Although having installment loans, such as auto

loans, on your credit report can help you build
a solid credit history, having too many
installment loans can bring your score down
because they carry fixed monthly payments. Fixed
payments are sometimes viewed by lenders as
negative because they may affect your ability to
meet other loan obligations.
Consumer Statement:
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DISCLAIMER
The PLUS ScoreSM, developed by Experian, is not

an endorsement or guarantee of your credit
worthiness as seen by lenders. The different
risk levels presented here are for educational
use only. Your PLUS Score can help you
understand what factors impact your credit
score.
Please be aware that there are many scoring

models used in the marketplace, and each
lender´s scoring model has its own set of
factors. How each lender weighs their chosen
factors may vary, but the exact formula used to
calculate your score is proprietary. In general,
the higher your score, the better your chances
are of obtaining favorable rates and terms.
Your PLUS Score was calculated using your actual

data from your credit file on the day that you
requested your report, making it comparable to
most scoring models in the industry. Keep in
mind however that other factors, such as length
of employment and annual salary, are often taken
into consideration by lenders when making
decisions about you.
Also note that each bureau has its own set of

data, resulting in a separate PLUS Score for
each of your credit files.
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your Equifax credit report.
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Prepared for: AMANDA S KESSELL Report Date: 11/5/2009

Name: AMANDA S KESSELLAMANDA S KESSELLAMANDA S

13101 BRIAR FOREST D APT 6406F, HOUSTON, TX

RR 1 BOX 380, LIBERTY, WV 25124-9700

13101 BRIAR FOREST DR APT 6406F, HOUSTON, TX

RR 1 BOX 380, LIBERTY, WV 25124

10727 PENDRAGON PL, RALEIGH, NC 27614

13101 BRIAR FOREST DR 6406F, HOUSTON, TX 77077

3416 SUNCREST VILLAGE LN, RALEIGH, NC 27616

1 RR 1 BOX 380, LIBERTY, WV 25124

Current Employer: ALDERSON BROADDUS

REAL ESTATE ACCOUNTS:

AT&T SVCS,INC CONS S

UNITED RECOVERY SYSTEM

SOUTHEAST TOYOTA FIN

Account Name:ABSOLUTE COLLECT SVC ACS

Acct Status:Closed Open

24-Month Payment History? Legend

Account Name:ABSOLUTE COLLECT SVC ACS

Acct Status:Closed Open

24-Month Payment History? Legend

Account Name:KROSS/LIEBERMAN & STON

24-Month Payment History? Legend

Account Name:ABSOLUTE COLLECT SVC

24-Month Payment History? Legend

Account Name:AES/PNC AES/PNC EDUCATION LO

24-Month Payment History? Legend

Account Name:AES/PNC AES/PNC EDUCATION LO

24-Month Payment History? Legend

Account Name:AES/PNC AES/PNC EDUCATION LO

24-Month Payment History? Legend

Account Name:ALDERSON BROADDUS ALDERSON

24-Month Payment History? Legend

Account Name:AMERICREDIT AMERICREDIT

Account Name:CONTRACT CALLERS INC ARC

24-Month Payment History? Legend

Account Name:BANK OF AMERICA BANK OF AMERICA

24-Month Payment History? Legend

Account Name:CITI CITI

24-Month Payment History? Legend

Account Name: CITIBANK SD, NA

24-Month Payment History? Legend

CMRE FINANCIAL SVCS IN

Account Name:CMRE FINANCIAL SVCS IN

24-Month Payment History? Legend

COLL SVC CTR

Account Name: COLL SVC CTR

24-Month Payment History? Legend

Account Name:COLLEGE FOUNDATION INC COLLEGE

24-Month Payment History? Legend

24-Month Payment History? Legend

FIRSTPOINT COLL RESO

Account Name: FIRSTPOINT COLL RESO

24-Month Payment History? Legend

Account Name: FST PREMIER

24-Month Payment History? Legend

Account Name:HEALTHCARE FINANCIAL S HEA CR F

24-Month Payment History? Legend

KROSS/LIEBERMAN & STON

Account Name:KROSS/LIEBERMAN & STON

24-Month Payment History? Legend

Account Name:NCO FIN/99