Credit Analyzer

  For:   MARC STRUBLE      (FROM AN ACTUAL FILE - NAME HAS BEEN CHANGED)
  Credit Bureau:   Equifax on 12/19/2003

Advisor View Steps

• Determine potential – see how much room there is to improve
• Take action – see specific ways to achieve potential
• Identify critical factors – understand which accounts are hurting and helping
• Verify information – make sure reported information is up-to-date and accurate

The current CreditXpert Credit Score™ is higher than 10% of the U.S. population.

How much cash is needed?

•   Cash available:   $2500.
•   Cash needed for these actions:   $2467.

The following actions may improve your score

1. Reducing the number of delinquent accounts. You can do this by paying down the balance on a delinquent account.

2.  
3. Reducing the number of delinquent accounts. You can do this by paying down the balance on a delinquent account.

4.  
5. Reducing the number of bankcards that are 50% (or more) used. You can do this by paying down the balance on such an account, or by transferring some of the balance to another account that is less used.

Impact of time on your credit score

In this simulation, we assume that you will make on-time minimum payments on all of your accounts, that you will not increase your revolving balances, and that lenders will report your new account information next month. Since some of these assumptions may not occur, your actual score in one month may vary from this projection.

Notes on Actions

• Order of actions
  The estimated credit score is based on doing all the actions in the order listed. The order of the listed actions is important because each action may build on the results of previous ones. Some actions may be repeated if they apply to multiple accounts. Keep in mind that you cannot impact negative factors such as length of credit history or past delinquencies.
• Accuracy and timeframe for score improvement
  The "optimized" score shown is only an estimate, and there is no guarantee that your credit scores will improve by this exact amount should you take all of the recommended actions. This is because other information in your credit reports (such as account balances) may change at the same time. Also, some of the recommended actions may require more than one month to take effect, as lenders may not immediately report your updated account information (such as a new account or lower balance) to the credit bureaus. As a result, allow up to 3 months for your scores to improve after you take an action on a credit account.
• Payments and balance transfers
  Payments and transfers are assumed to be made at once and completely, not gradually over time. Account terms, such as interest rate (APR) and balance transfer fees, are not available and therefore not considered when suggesting balance transfers between accounts. When transferring large balances between accounts, verify that the difference in APR will not cause you to pay excessive interest. Note that accounts for which the credit limit/loan amount is missing may not be used in some actions.
• New accounts
  Credit limit and present payment status are assumed to be reported for any new account. The credit limit is based on the current credit score (better scores are assigned a higher limit).

Credit Analyzer

  For:   MARC STRUBLE
  Credit Bureau:   Experian on 12/11/2003

Advisor View Steps

• Determine potential – see how much room there is to improve
• Take action – see specific ways to achieve potential
• Identify critical factors – understand which accounts are hurting and helping
• Verify information – make sure reported information is up-to-date and accurate

The current Credit Score is higher than 5% of the U.S. population.

How much cash is needed?

•   Cash available:   $2500.
•   Cash needed for these actions:   $1749.

The following actions may improve your score

1. Reducing the number of delinquent accounts. You can do this by paying down the balance on a delinquent account.

2.  
3. Reducing the number of delinquent accounts. You can do this by paying down the balance on a delinquent account.

4.  
5. Reducing the number of bankcards that are 50% (or more) used. You can do this by paying down the balance on such an account, or by transferring some of the balance to another account that is less used.

6.  
7. Reducing your total debt. You can do this by paying down the balance on an existing account.

Impact of time on your credit score

In this simulation, we assume that you will make on-time minimum payments on all of your accounts, that you will not increase your revolving balances, and that lenders will report your new account information next month. Since some of these assumptions may not occur, your actual score in one month may vary from this projection.

Notes on Actions

• Order of actions
  The estimated credit score is based on doing all the actions in the order listed. The order of the listed actions is important because each action may build on the results of previous ones. Some actions may be repeated if they apply to multiple accounts. Keep in mind that you cannot impact negative factors such as length of credit history or past delinquencies.
• Accuracy and timeframe for score improvement
  The "optimized" score shown is only an estimate, and there is no guarantee that your credit scores will improve by this exact amount should you take all of the recommended actions. This is because other information in your credit reports (such as account balances) may change at the same time. Also, some of the recommended actions may require more than one month to take effect, as lenders may not immediately report your updated account information (such as a new account or lower balance) to the credit bureaus. As a result, allow up to 3 months for your scores to improve after you take an action on a credit account.
• Payments and balance transfers
  Payments and transfers are assumed to be made at once and completely, not gradually over time. Account terms, such as interest rate (APR) and balance transfer fees, are not available and therefore not considered when suggesting balance transfers between accounts. When transferring large balances between accounts, verify that the difference in APR will not cause you to pay excessive interest. Note that accounts for which the credit limit/loan amount is missing may not be used in some actions.
• New accounts
  Credit limit and present payment status are assumed to be reported for any new account. The credit limit is based on the current credit score (better scores are assigned a higher limit).

Credit Analyzer

  For:   MARC STRUBLE
  Credit Bureau:   TransUnion on 12/11/2003

Advisor View Steps

• Determine potential – see how much room there is to improve
• Take action – see specific ways to achieve potential
• Identify critical factors – understand which accounts are hurting and helping
• Verify information – make sure reported information is up-to-date and accurate

The current Credit Score is higher than 5% of the U.S. population.

How much cash is needed?

•   Cash available:   $2500.
•   Cash needed for these actions:   $1759.

The following actions may improve your score

1. Reducing the number of delinquent accounts. You can do this by paying down the balance on a delinquent account.

2.  
3. Reducing the number of delinquent accounts. You can do this by paying down the balance on a delinquent account.

4.  
5. Reducing the number of bankcards that are 50% (or more) used. You can do this by paying down the balance on such an account, or by transferring some of the balance to another account that is less used.

6.  
7. Reducing your total debt. You can do this by paying down the balance on an existing account.

Impact of time on your credit score

In this simulation, we assume that you will make on-time minimum payments on all of your accounts, that you will not increase your revolving balances, and that lenders will report your new account information next month. Since some of these assumptions may not occur, your actual score in one month may vary from this projection.

Notes on Actions

• Order of actions
  The estimated credit score is based on doing all the actions in the order listed. The order of the listed actions is important because each action may build on the results of previous ones. Some actions may be repeated if they apply to multiple accounts. Keep in mind that you cannot impact negative factors such as length of credit history or past delinquencies.
• Accuracy and timeframe for score improvement
  The "optimized" score shown is only an estimate, and there is no guarantee that your credit scores will improve by this exact amount should you take all of the recommended actions. This is because other information in your credit reports (such as account balances) may change at the same time. Also, some of the recommended actions may require more than one month to take effect, as lenders may not immediately report your updated account information (such as a new account or lower balance) to the credit bureaus. As a result, allow up to 3 months for your scores to improve after you take an action on a credit account.
• Payments and balance transfers
  Payments and transfers are assumed to be made at once and completely, not gradually over time. Account terms, such as interest rate (APR) and balance transfer fees, are not available and therefore not considered when suggesting balance transfers between accounts. When transferring large balances between accounts, verify that the difference in APR will not cause you to pay excessive interest. Note that accounts for which the credit limit/loan amount is missing may not be used in some actions.
• New accounts
  Credit limit and present payment status are assumed to be reported for any new account. The credit limit is based on the current credit score (better scores are assigned a higher limit).

Additional details are provided for some factors to help you better understand how they relate to your credit accounts.

Negative Factors

1. Payment history

You missed the most consecutive payments or became derogatory 1 month ago. This only includes accounts for which the payment history was reported.

Here is a list of all the credit records used to calculate this factor.

2. Credit usage

On average, you are using 59% of the credit limit on your revolving account(s). If the credit limit was not reported, your highest balance was used as the credit limit. This only includes accounts for which the credit limit or highest balance is reported.

Here is a list of all the credit records used to calculate this factor.

3. Account balances

You currently owe $57,920 on your revolving account(s). This only includes accounts updated in the past 6 months.

Here is a list of all the credit records used to calculate this factor.

Positive Factors

1. Collection accounts and public records

You do not have any collection account or negative public record listed in your credit report.

2. Credit accounts

You have at least one open bankcard.

Here is a list of all the credit records used to calculate this factor.

3. Payment history

You are not derogatory on any account. This does not include collection accounts.