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Note: This report example is only an illustration of the type of information provided when your TransUnion Personal Credit Report is ordered. The information in the report example does not reflect your personal situation. You must order your TransUnion Personal Credit Report to obtain the credit information that pertains to your personal situation.

File Number: 
Date issued:
123456789
Jun 14, 2006
Name:
EXAMPLE TEST USER

You have been on our files since 05/1999
SSN:
XXX-XX-0001
Telephone
(555) 555-1234x12345
Your SSN is partially masked for your protection

CURRENT ADDRESS
Address: 
1100 CURRENT ST.
PERCITY, CA 10000
Reported: 
09/2002

EMPLOYMENT DATA REPORTED
Employer Name: EMPLOYER 1
Date Reported: 06/2004
Position: JOB/OCCUPATION 1
Hired: 05/2004

Special Notes: Your Social Security number has been masked for your protection. You may request disclosure of the full number by writing to us at the address found at the end of this report. Also, any item on your credit report that begins with 'MED1' indicates medical information. The data following this word is not displayed to anyone but you, except where permitted by law.


Public Information
The following items obtained from public records appear on your report. You may be required to explain public record items to potential creditors. Any bankruptcy information will remain on your report for 10 years from the date of the filing. Unpaid tax liens may generally be reported for an indefinite period of time depending on your state of residence. Paid tax liens may be reported for 7 years from date of payment. All other public record information, including discharged chapter 13 bankruptcy and any accounts containing adverse information, remain for up to 7 years.

CRCITY MUNICIPAL   Docket#: 95C00558
222 E. MAIN
SUITE 101
CRCITY, CA 40003 
(555) 111-2222
Type: Civil Judgment  Date Filed: 12/2002 
Court Type: Municipal  Responsibility: Participant on account 
Date Paid: 07/2004  Plaintiff: BANK OF NEW YORK 
Assets: $1,079  Plaintiff Attorney: PERRY MASON 
    Amount:  $1,079 
Estimated date that this item will be removed:  06/2009


Key to reading your payment history data.
Some creditors report how you make payments each month in relation to your agreement with them. The key below outlines how to read the payment history section for each account:

The following accounts contain information which some creditors may consider to be adverse. Adverse account information may generally be reported for 7 years from the date of the first delinquency, depending on your state of residence. The adverse information in these accounts has been printed in >brackets< or is shaded for your convenience, to help you understand your report. They are not bracketed or shaded this way for creditors. (Note: The account # may be scrambled by the creditor for your protection).

R DEPARTMENT ONE #0000000000000001

4401 E. CREDITOR S ST SUITE401
CRCITY , CA 40001
(800) 555-4000 

Balance: 
$153 
Pay Status: 
Paid or Paying as Agreed 
Updated: 
07/2004 
Account Type: 
Revolving account 
High Balance: 
$532 
Responsibility: 
Individual account 
Opened: 
01/1999 
Credit Limit: 
$5,000 
Past Due: 
$0 
Loan Type: 
Appliance/Furniture 

Late Payments

(last 48 months)


2

0

0
Last 4

Years

















































The following accounts are reported with no adverse information.

OTHER FINANCE ONE #000000002

4402 E. CREDITOR S ST SUITE402
CRCITY , CA 40002
(800) 555-4001 

Balance: 
$0 
Pay Status: 
Paid or Paying as Agreed 
Updated: 
07/2004 
Account Type: 
Installment account 
High Balance: 
$20,000 
Responsibility: 
Individual account 
Opened: 
05/1999 
Credit Limit: 
$0 
Past Due: 
$0 

Late Payments

(last 61 months)


0

0

0
Last 4

Years

















































CREDIT CARD CO #000000003

1111 N. FAKESTREET WY
CRCITY , CA 40002
(800) 555-4002 

Balance: 
$0 
Pay Status: 
Paid or Paying as Agreed 
Updated: 
07/2004 
Account Type: 
Revolving account 
High Balance: 
$4,000 
Responsibility: 
Individual account 
Opened: 
03/2000 
Credit Limit: 
$6,000 
Past Due: 
$0 

Late Payments

(last 51 months)


0

0

0
Last 4

Years

















































Inquiry Analysis
The following companies have received your credit report. Their inquiries remain on your credit report for two years.
INQUIRY ANALYSIS NAME 1
5501 NW. INQUIRY E ST., #501
INCITY , CA 50001


Requested on:
Inquiry Type:
10/2004
Individual account
Permissible Purpose:  Employment 
EXAMPLE INQUIRY COMPANY
1234 S. CREDIT ST., #123
ANYTOWN, IL 12345

Requested on:
Inquiry Type:
06/2004
Individual account
Permissible Purpose:  Credit Transaction  

Inquiry Analysis
The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following information.

INQUIRY ANALYSIS NAME 1

Requested on:

10/2004


Identifying Information They Provided:

EXAMPLE TEST USER

1100 CURRENT ST.
PERCITY, CA 10001



Inquiries
The companies listed below received your name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full credit report, and these inquiries are not seen by anyone but you.
SAMPLE BANK  
5678 MAIN RD.
SUITE 123
SOME CITY, VA 98765 
(800)555-5555
Requested on: 03/05/2003

The companies listed below obtained information from your consumer report for the purpose of an account review or other business transaction with you. These inquiries are not displayed to anyone but you and will not affect any creditor's decision or any score (except insurance companies may have access to other insurance company inquiries, where permitted by law).
OTHER FINANCE ONE   
4402 E. CREDITOR ST
CRCITY , CA 40002
(800) 555-4001 
Requested on: 11/01/2002
Inquiry Type: Individual
 
SAMPLE INSURANCE CO
Permissible Purpose:  Insurance Underwriting
1111 N. FAKESTREET WY
CRCITY , CA 40002
(800) 555-4002
Requested on: 05/01/2004
Inquiry Type: Individual
 
 

My wallet was stolen on June 19, 2004. Please ask for identification when you receive an application for credit.
(Note: This statement is set to expire in 12/2004.)
 

SECURITY ALERT: #HK#CACRA Consumer's identity may have been used without his or her consent. Recipients of this report are advised to verify the consumer's identity prior to issuing credit. Verify at 805 555-1212.
(Note: This statement is set to expire in 12/2004.)
 

Note: This report example is only an illustration of the type of information provided when your TransUnion Personal Credit Report is ordered. The information in the report example does not reflect your personal situation. You must order your TransUnion Personal Credit Report to obtain the credit information that pertains to your personal situation.

Office of Information Technology • Main Office: ECS 125 • Phone: 410-455-3838 • Email: oit@umbc.edu