Stephanie Land - TransUnion VantageScore
Product Code: tui1bReportScore
Score Type: VantageScore
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"@BorrowerID": "Borrower01",
"@CreditFileID": "TA01",
"@_Date": "2015-06-09",
"@CreditReportIdentifier": "2-stephanie-land-19680",
"@_FACTAInquiriesIndicator": "Y",
"@RiskBasedPricingPercent": "13",
"@RiskBasedPricingMin": "560",
"@RiskBasedPricingMax": "565",
"@_ModelNameType": "Other",
"@_ModelNameTypeOtherDescription": "TransUnionVantageScore3.0",
"@_Value": "562",
"@CreditRepositorySourceType": "TransUnion",
"_FACTOR": [
{
"@_Code": "12",
"@_Text": "The date that you opened your oldest account is too recent"
},
{
"@_Code": "95",
"@_Text": "You have too many collection agency accounts that are unpaid"
},
{
"@_Code": "63",
"@_Text": "Lack of sufficient relevant real estate account information"
},
{
"@_Code": "83",
"@_Text": "Lack of sufficient relevant installment account information"
},
{
"@_Code": "I",
"@_Text": "Inquiries did impact the credit score"
}
]
},
"CREDIT_SUMMARY": [
{
"@BorrowerID": "Borrower01",
"@_Name": "Attributes",
"_DATA_SET": [
{
"@_Name": "Number of tradelines",
"@_ID": "AP001",
"@_Value": "35"
},
{
"@_Name": "Average age of open tradelines",
"@_ID": "AP002",
"@_Value": "55"
},
{
"@_Name": "Average age of open tradelines; exclude auth user and joint ecoa",
"@_ID": "AP003",
"@_Value": "55"
},
{
"@_Name": "Number of hard inquiries",
"@_ID": "AP004",
"@_Value": "6"
},
{
"@_Name": "Number of payments",
"@_ID": "AP005",
"@_Value": "1036"
},
{
"@_Name": "Revolving utilization on open credit cards",
"@_ID": "AP006",
"@_Value": "64"
},
{
"@_Name": "Total occurrences of minor delinqs",
"@_ID": "AP007",
"@_Value": "2"
},
{
"@_Name": "Total number of major derogatory tradelines",
"@_ID": "AP008",
"@_Value": "6"
},
{
"@_Name": "Total number of major derogatory tradelines calculated by TU",
"@_ID": "AP008_RAW",
"@_Value": "6"
},
{
"@_Name": "AT01S:Number of trades",
"@_ID": "AT01S",
"@_Value": "35"
},
{
"@_Name": "AT02S:Number of open trades",
"@_ID": "AT02S",
"@_Value": "25"
},
{
"@_Name": "AT06S:Number of trades opened in past 6 months",
"@_ID": "AT06S",
"@_Value": "1"
},
{
"@_Name": "AT09S:Number of trades opened in past 24 months",
"@_ID": "AT09S",
"@_Value": "6"
},
{
"@_Name": "AT20S:Months since oldest trade opened",
"@_ID": "AT20S",
"@_Value": "140"
},
{
"@_Name": "AT28A:Total credit line of open trades verified in past 12 months",
"@_ID": "AT28A",
"@_Value": "20707"
},
{
"@_Name": "AT28B:Total credit line of open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT28B",
"@_Value": "20707"
},
{
"@_Name": "AT33A:Total balance of open trades verified in past 12 months",
"@_ID": "AT33A",
"@_Value": "14400"
},
{
"@_Name": "AT33B:Total balance of open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT33B",
"@_Value": "14400"
},
{
"@_Name": "AT34A:Utilization for open trades verified in past 12 months",
"@_ID": "AT34A",
"@_Value": "70"
},
{
"@_Name": "AT34B:Utilization for open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT34B",
"@_Value": "70"
},
{
"@_Name": "AT36S:Months since most recent delinquency",
"@_ID": "AT36S",
"@_Value": "31"
},
{
"@_Name": "AT57S:Total past due amount of open trades verified in past 12 months",
"@_ID": "AT57S",
"@_Value": "0"
},
{
"@_Name": "AT103S:Percentage of satisfactory open trades to all open trades",
"@_ID": "AT103S",
"@_Value": "80"
},
{
"@_Name": "AT104S:Percentage of all trades opened in past 24 months to all trades",
"@_ID": "AT104S",
"@_Value": "20"
},
{
"@_Name": "ATAP01:Total scheduled monthly payment for all trades verified in past 12 months",
"@_ID": "ATAP01",
"@_Value": "3588"
},
{
"@_Name": "AU28S:Total credit line of open auto trades verified in past 12 months",
"@_ID": "AU28S",
"@_Value": "0"
},
{
"@_Name": "AU33S:Total balance of open auto trades verified in past 12 months",
"@_ID": "AU33S",
"@_Value": "0"
},
{
"@_Name": "AU34S:Utilization for open auto trades verified in past 12 months",
"@_ID": "AU34S",
"@_Value": "N/A"
},
{
"@_Name": "AU57S:Total past due amount of open auto trades verified in past 12 months",
"@_ID": "AU57S",
"@_Value": "N/A"
},
{
"@_Name": "BC02S:Number of open credit card trades",
"@_ID": "BC02S",
"@_Value": "3"
},
{
"@_Name": "BC06S:Number of credit card trades opened in past 6 months",
"@_ID": "BC06S",
"@_Value": "0"
},
{
"@_Name": "BC102S:Average credit line of open credit card trades verified in past 12 months",
"@_ID": "BC102S",
"@_Value": "300"
},
{
"@_Name": "BC12S:Number of open credit card trades verified in past 12 months",
"@_ID": "BC12S",
"@_Value": "3"
},
{
"@_Name": "BC20S:Months since oldest credit card trade opened",
"@_ID": "BC20S",
"@_Value": "68"
},
{
"@_Name": "BC28S:Total credit line of open credit card trades verified in past 12 months",
"@_ID": "BC28S",
"@_Value": "900"
},
{
"@_Name": "BC30S:Percentage of open credit card trades > 50% of credit line verified in past 12 months",
"@_ID": "BC30S",
"@_Value": "75"
},
{
"@_Name": "BC31S:Percentage of open credit card trades > 75% of credit line verified in past 12 months",
"@_ID": "BC31S",
"@_Value": "75"
},
{
"@_Name": "BC33S:Total balance of open credit card trades verified in past 12 months",
"@_ID": "BC33S",
"@_Value": "853"
},
{
"@_Name": "BC34S:Utilization for open credit card trades verified in past 12 months",
"@_ID": "BC34S",
"@_Value": "95"
},
{
"@_Name": "BC57S:Total past due amount of open credit card trades verified in past 12 months",
"@_ID": "BC57S",
"@_Value": "0"
},
{
"@_Name": "CO04S:Months since most recent charged-off trade was first reported",
"@_ID": "CO04S",
"@_Value": "32"
},
{
"@_Name": "FC04S:Months since most recent foreclosure trade was first reported",
"@_ID": "FC04S",
"@_Value": "N/A"
},
{
"@_Name": "G020S:Number of trades with maximum delinquency of 30 days past due in past 24 months",
"@_ID": "G020S",
"@_Value": "0"
},
{
"@_Name": "G051S:Percentage of trades ever delinquent",
"@_ID": "G051S",
"@_Value": "23"
},
{
"@_Name": "G093S:Number of public records",
"@_ID": "G093S",
"@_Value": "1"
},
{
"@_Name": "G094S:Number of public record bankruptcies",
"@_ID": "G094S",
"@_Value": "0"
},
{
"@_Name": "G095S:Months since most recent public record",
"@_ID": "G095S",
"@_Value": "52"
},
{
"@_Name": "G103S:Months since most recent credit inquiry",
"@_ID": "G103S",
"@_Value": "3"
},
{
"@_Name": "G202A:Total open to buy of open trades verified in past 12 months (excl installs and morts)",
"@_ID": "G202A",
"@_Value": "6307"
},
{
"@_Name": "G215B:Number of non-medical third party collections with balance > $0",
"@_ID": "G215B",
"@_Value": "2"
},
{
"@_Name": "G217S:Total past due amount of all trades verified in past 12 months",
"@_ID": "G217S",
"@_Value": "0"
},
{
"@_Name": "G218B:Number of trades verified in the past 12 months that are currently 30+ DPD",
"@_ID": "G218B",
"@_Value": "0"
},
{
"@_Name": "G224A:Number of 90 days past due or worse items ever (excluding medical colls)",
"@_ID": "G224A",
"@_Value": "3"
},
{
"@_Name": "G238S:Number of credit inquiries in past 12 months (excl coll inqs)",
"@_ID": "G238S",
"@_Value": "3"
},
{
"@_Name": "G244S:Number of inquiries (includes duplicates) in past 12 months",
"@_ID": "G244S",
"@_Value": "3"
},
{
"@_Name": "G250A:Number of 30 DPD or worse items ever (excluding medical colls)",
"@_ID": "G250A",
"@_Value": "4"
},
{
"@_Name": "G250B:Number of 30 DPD or worse items in the past 12 months (excluding medical colls)",
"@_ID": "G250B",
"@_Value": "2"
},
{
"@_Name": "G250C:Number of 30 DPD or worse items in the past 24 months (excluding medical colls)",
"@_ID": "G250C",
"@_Value": "2"
},
{
"@_Name": "G251A:Number of 60 DPD or worse items ever (excluding medical colls)",
"@_ID": "G251A",
"@_Value": "4"
},
{
"@_Name": "G302S:Worst rating on revolving trades in past 12 months",
"@_ID": "G302S",
"@_Value": "N/A"
},
{
"@_Name": "G304S:Worst rating on installment trades in past 12 months",
"@_ID": "G304S",
"@_Value": "9"
},
{
"@_Name": "G310S:Worst rating on all trades in past 12 months",
"@_ID": "G310S",
"@_Value": "9"
},
{
"@_Name": "GB311:Indicates if bankruptcies have been filed",
"@_ID": "GB311",
"@_Value": "0"
},
{
"@_Name": "HI57S:Total past due amount of open home equity loan trades verified in past 12 months",
"@_ID": "HI57S",
"@_Value": "N/A"
},
{
"@_Name": "HR57S:Total past due amount of open HELOC trades verified in past 12 months",
"@_ID": "HR57S",
"@_Value": "N/A"
},
{
"@_Name": "IN02S:Number of open installment trades",
"@_ID": "IN02S",
"@_Value": "5"
},
{
"@_Name": "IN06S:Number of installment trades opened in past 6 months",
"@_ID": "IN06S",
"@_Value": "1"
},
{
"@_Name": "IN28S:Total credit line of open installment trades verified in past 12 months",
"@_ID": "IN28S",
"@_Value": "2912"
},
{
"@_Name": "IN33S:Total balance of open installment trades verified in past 12 months",
"@_ID": "IN33S",
"@_Value": "2912"
},
{
"@_Name": "IN34S:Utilization for open installment trades verified in past 12 months",
"@_ID": "IN34S",
"@_Value": "100"
},
{
"@_Name": "IN36S:Months since most recent installment delinquency",
"@_ID": "IN36S",
"@_Value": "1"
},
{
"@_Name": "IN57S:Total past due amount of open installment trades verified in past 12 months",
"@_ID": "IN57S",
"@_Value": "0"
},
{
"@_Name": "MT02S:Number of open mortgage trades",
"@_ID": "MT02S",
"@_Value": "0"
},
{
"@_Name": "MT06S:Number of mortgage trades opened in past 6 months",
"@_ID": "MT06S",
"@_Value": "0"
},
{
"@_Name": "MT28S:Total credit line of open mortgage trades verified in past 12 months",
"@_ID": "MT28S",
"@_Value": "0"
},
{
"@_Name": "MT33S:Total balance of open mortgage trades verified in past 12 months",
"@_ID": "MT33S",
"@_Value": "0"
},
{
"@_Name": "MT34S:Utilization for open mortgage trades verified in past 12 months",
"@_ID": "MT34S",
"@_Value": "N/A"
},
{
"@_Name": "MT36S:Months since most recent mortgage delinquency",
"@_ID": "MT36S",
"@_Value": "N/A"
},
{
"@_Name": "MT57S:Total past due amount of open mortgage trades verified in past 12 months",
"@_ID": "MT57S",
"@_Value": "N/A"
},
{
"@_Name": "RE02S:Number of open revolving trades",
"@_ID": "RE02S",
"@_Value": "20"
},
{
"@_Name": "RE06S:Number of revolving trades opened in past 6 months",
"@_ID": "RE06S",
"@_Value": "0"
},
{
"@_Name": "RE12S:Number of open revolving trades verified in past 12 months",
"@_ID": "RE12S",
"@_Value": "19"
},
{
"@_Name": "RE20S:Months since oldest revolving trade opened",
"@_ID": "RE20S",
"@_Value": "140"
},
{
"@_Name": "RE21S:Months since most recent revolving trade opened",
"@_ID": "RE21S",
"@_Value": "8"
},
{
"@_Name": "RE28S:Total credit line of open revolving trades verified in past 12 months",
"@_ID": "RE28S",
"@_Value": "17795"
},
{
"@_Name": "RE30S:Percentage of open revolving trades > 50% of credit line verified in past 12 months",
"@_ID": "RE30S",
"@_Value": "58"
},
{
"@_Name": "RE31S:Percentage of open revolving trades > 75% of credit line verified in past 12 months",
"@_ID": "RE31S",
"@_Value": "29"
},
{
"@_Name": "RE33S:Total balance of open revolving trades verified in past 12 months",
"@_ID": "RE33S",
"@_Value": "11488"
},
{
"@_Name": "RE34S:Utilization for open revolving trades verified in past 12 months",
"@_ID": "RE34S",
"@_Value": "65"
},
{
"@_Name": "RE34T:Utilization for all bureau open revolving trades verified in past 12 months",
"@_ID": "RE34T",
"@_Value": "65"
},
{
"@_Name": "RE36S:Months since most recent revolving delinquency",
"@_ID": "RE36S",
"@_Value": "31"
},
{
"@_Name": "RE57S:Total past due amount of open revolving trades verified in past 12 months",
"@_ID": "RE57S",
"@_Value": "0"
},
{
"@_Name": "RE102S:Average credit line of open revolving trades verified in past 12 months",
"@_ID": "RE102S",
"@_Value": "937"
},
{
"@_Name": "RP04S:Months since most recent repossession trade was first reported",
"@_ID": "RP04S",
"@_Value": "N/A"
},
{
"@_Name": "S004S:Average number of months trades have been on file",
"@_ID": "S004S",
"@_Value": "53"
},
{
"@_Name": "S043S:Number of open trades > 50% of credit line verified in 12 mons (excl installs and morts)",
"@_ID": "S043S",
"@_Value": "58"
},
{
"@_Name": "S061S:Months since most recent 60 or more days past due",
"@_ID": "S061S",
"@_Value": "31"
},
{
"@_Name": "S062S:Months since most recent 90 or more days past due",
"@_ID": "S062S",
"@_Value": "N/A"
},
{
"@_Name": "S068A:Number of third party collections",
"@_ID": "S068A",
"@_Value": "6"
},
{
"@_Name": "S114S:Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)",
"@_ID": "S114S",
"@_Value": "1"
},
{
"@_Name": "S204A:Total balance of non-medical third party collections verified in past 12 months",
"@_ID": "S204A",
"@_Value": "1860"
},
{
"@_Name": "S207A:Months since most recent tradeline bankruptcy",
"@_ID": "S207A",
"@_Value": "N/A"
},
{
"@_Name": "S207S:Months since most recent public record bankruptcy",
"@_ID": "S207S",
"@_Value": "N/A"
},
{
"@_Name": "S209A:Months since most recent non-medical third party collection",
"@_ID": "S209A",
"@_Value": "5"
},
{
"@_Name": "ST28S:Total credit line of open student loan trades verified in past 12 months",
"@_ID": "ST28S",
"@_Value": "0"
},
{
"@_Name": "ST33S:Total balance of open student loan trades verified in past 12 months",
"@_ID": "ST33S",
"@_Value": "0"
},
{
"@_Name": "ST34S:Utilization for open student loan trades verified in past 12 months",
"@_ID": "ST34S",
"@_Value": "N/A"
},
{
"@_Name": "ST57S:Total past due amount of open student loan trades verified in past 12 months",
"@_ID": "ST57S",
"@_Value": "N/A"
},
{
"@_Name": "PT014:Total Scheduled Monthly Payment",
"@_ID": "PT014",
"@_Value": "3588"
},
{
"@_Name": "PT016:Utilization on revolving trades",
"@_ID": "PT016",
"@_Value": "64"
},
{
"@_Name": "PT017:Total balance on open revolving trades",
"@_ID": "PT017",
"@_Value": "11488"
},
{
"@_Name": "PT019:Total Mortgage Monthly Payment",
"@_ID": "PT019",
"@_Value": "-5"
},
{
"@_Name": "PT020:Total balance on open Mortgages",
"@_ID": "PT020",
"@_Value": "-5"
},
{
"@_Name": "PT021:Total Monthly Automobile Payment",
"@_ID": "PT021",
"@_Value": "-5"
},
{
"@_Name": "PT022:Date of oldest trade",
"@_ID": "PT022",
"@_Value": "102003"
},
{
"@_Name": "PT023:Months since infile created at bureau",
"@_ID": "PT023",
"@_Value": "169"
},
{
"@_Name": "PT027:Total occurrances of delinquencies in past 12 months",
"@_ID": "PT027",
"@_Value": "0"
},
{
"@_Name": "PT038:Number of Inquiries in past 6 months",
"@_ID": "PT038",
"@_Value": "1"
},
{
"@_Name": "PT054:Total Credit Limit/High Credit on open tradelines",
"@_ID": "PT054",
"@_Value": "20807"
},
{
"@_Name": "PT056:Total balance on all tradelines",
"@_ID": "PT056",
"@_Value": "16577"
},
{
"@_Name": "PT063:Number of currently delinquent tradelines",
"@_ID": "PT063",
"@_Value": "0"
},
{
"@_Name": "PT064:Number of currently delinquent revolving tradelines",
"@_ID": "PT064",
"@_Value": "0"
},
{
"@_Name": "PT065:Number of currently delinquent installment tradelines",
"@_ID": "PT065",
"@_Value": "0"
},
{
"@_Name": "PT068:Average balance on open tradelines",
"@_ID": "PT068",
"@_Value": "576"
},
{
"@_Name": "PT069:Number of Chargeoffs in past 12 months",
"@_ID": "PT069",
"@_Value": "0"
},
{
"@_Name": "PT071:Total occurrances of delinquencies in the past 2 years",
"@_ID": "PT071",
"@_Value": "0"
},
{
"@_Name": "PT072:Total occurrances of delinquencies in the past 30 days",
"@_ID": "PT072",
"@_Value": "0"
},
{
"@_Name": "PT073:Total occurrances of delinquencies in the past 60 days",
"@_ID": "PT073",
"@_Value": "0"
},
{
"@_Name": "PT074:Total occurrances of delinquencies in the past 7 years",
"@_ID": "PT074",
"@_Value": "2"
},
{
"@_Name": "PT076:Date of oldest trade",
"@_ID": "PT076",
"@_Value": "102003"
},
{
"@_Name": "PT079:Number of months since oldest installment tradeline opened",
"@_ID": "PT079",
"@_Value": "68"
},
{
"@_Name": "PT080:Number of months since oldest revolving tradeline opened",
"@_ID": "PT080",
"@_Value": "140"
},
{
"@_Name": "PT082:Number of months since most recent tradeline opened",
"@_ID": "PT082",
"@_Value": "5"
},
{
"@_Name": "PT083:Number of mortgage trades",
"@_ID": "PT083",
"@_Value": "0"
},
{
"@_Name": "PT088:Number of months since 90+ late or worse derogatory",
"@_ID": "PT088",
"@_Value": "1"
},
{
"@_Name": "PT089:Number of tradelines reported in past 2 months and currently 120 days past due",
"@_ID": "PT089",
"@_Value": "0"
},
{
"@_Name": "PT090:Number of tradelines currently 30 days past due",
"@_ID": "PT090",
"@_Value": "0"
},
{
"@_Name": "PT091:Number of tradelines 90+ days past due in past 24 months",
"@_ID": "PT091",
"@_Value": "0"
},
{
"@_Name": "PT092:Number of tradelines opened in past 12 months",
"@_ID": "PT092",
"@_Value": "4"
},
{
"@_Name": "PT093:Percentage of tradelines never delinquent",
"@_ID": "PT093",
"@_Value": "97"
},
{
"@_Name": "PT094:Number of tradelines ever 120 days past due",
"@_ID": "PT094",
"@_Value": "0"
},
{
"@_Name": "PT095:Number of months since oldest bank installment tradeline",
"@_ID": "PT095",
"@_Value": "68"
},
{
"@_Name": "PT103:Total credit limit/high credit on open installment tradelines",
"@_ID": "PT103",
"@_Value": "2912"
},
{
"@_Name": "PT104:Number of currently satisfactory tradelines",
"@_ID": "PT104",
"@_Value": "24"
},
{
"@_Name": "PT105:Number of revolving tradelines",
"@_ID": "PT105",
"@_Value": "24"
},
{
"@_Name": "PT110:Number of revolving tradelines opened in past 7 years",
"@_ID": "PT110",
"@_Value": "17"
},
{
"@_Name": "PT111:Total credit limit/high credit on open revolving tradelines",
"@_ID": "PT111",
"@_Value": "17895"
},
{
"@_Name": "PT112:Total available credit on open bankcard tradelines verified in the last 6 mons",
"@_ID": "PT112",
"@_Value": "47"
},
{
"@_Name": "PT115:Percent of bankcard tradelines gt 75% of credit limit",
"@_ID": "PT115",
"@_Value": "75"
},
{
"@_Name": "PT118:Total credit limit/high credit on open bankcard tradelines",
"@_ID": "PT118",
"@_Value": "900"
},
{
"@_Name": "PT119:Number of bankcard tradelines",
"@_ID": "PT119",
"@_Value": "4"
},
{
"@_Name": "PT120:Number of months since most recent bankcard tradeline opened",
"@_ID": "PT120",
"@_Value": "8"
},
{
"@_Name": "PT121:Number of bankcard tradelines opened in the past 6 months",
"@_ID": "PT121",
"@_Value": "0"
},
{
"@_Name": "PT122:Number of bankcard tradelines never delinquent",
"@_ID": "PT122",
"@_Value": "4"
},
{
"@_Name": "PT125:Number of months since most recent bankcard delinquency",
"@_ID": "PT125",
"@_Value": "N/A"
},
{
"@_Name": "PT126:Percent utilization on bankcard tradelines",
"@_ID": "PT126",
"@_Value": "60"
},
{
"@_Name": "PT129:Number of Public Records with amount gt 100",
"@_ID": "PT129",
"@_Value": "0"
},
{
"@_Name": "PT130:Number of Tax Liens",
"@_ID": "PT130",
"@_Value": "0"
},
{
"@_Name": "PT132:Total amount on Collections",
"@_ID": "PT132",
"@_Value": "2912"
},
{
"@_Name": "PT133:Number of repossessions",
"@_ID": "PT133",
"@_Value": "0"
},
{
"@_Name": "PT134:Number of foreclosures",
"@_ID": "PT134",
"@_Value": "0"
},
{
"@_Name": "PT136:Number of Collections/Chargeoffs in past 24 months; excluding medical",
"@_ID": "PT136",
"@_Value": "2"
},
{
"@_Name": "PT137:Total amount on Collections in past 36 months; excluding medical",
"@_ID": "PT137",
"@_Value": "3"
},
{
"@_Name": "PT138:Number of tradelines active within the past 6 months",
"@_ID": "PT138",
"@_Value": "25"
},
{
"@_Name": "PT139:Number of mortgage tradelines opened in past 6 months",
"@_ID": "PT139",
"@_Value": "-5"
},
{
"@_Name": "PT140:Number of open installment tradelines opened within the past 24 months",
"@_ID": "PT140",
"@_Value": "2"
},
{
"@_Name": "PT141:Total occurrances of 30 days late within the past 12 months on Mortgage trades",
"@_ID": "PT141",
"@_Value": "-5"
},
{
"@_Name": "PT142:Number of mortgages passed due 30 days or more in the last 6 months",
"@_ID": "PT142",
"@_Value": "-5"
},
{
"@_Name": "PT143:Total occurrances of 30 days late within the past 12 months",
"@_ID": "PT143",
"@_Value": "0"
},
{
"@_Name": "PT144:Number of collections with amount gt 500",
"@_ID": "PT144",
"@_Value": "2"
},
{
"@_Name": "PT145:Total balance on unsecured credit card tradelines",
"@_ID": "PT145",
"@_Value": "13665"
},
{
"@_Name": "PT146:Total balance on unsecured tradelines",
"@_ID": "PT146",
"@_Value": "16577"
},
{
"@_Name": "PT147:Total amount on Tax Liens filed within the past 36 months",
"@_ID": "PT147",
"@_Value": "0"
},
{
"@_Name": "PT148:Total amount on Judgements filed within the past 36 months",
"@_ID": "PT148",
"@_Value": "0"
},
{
"@_Name": "PT149:Number of Public Records filed in past 24 months",
"@_ID": "PT149",
"@_Value": "0"
},
{
"@_Name": "PT150:Number of non-federal Student Loan tradelines",
"@_ID": "PT150",
"@_Value": "0"
},
{
"@_Name": "PT151:Number of repossessed auto loan tradelines",
"@_ID": "PT151",
"@_Value": "-5"
},
{
"@_Name": "PT153:Percent utilization on installment tradelines",
"@_ID": "PT153",
"@_Value": "85"
},
{
"@_Name": "PT154:Number of revolving tradelines with balance gt 0",
"@_ID": "PT154",
"@_Value": "20"
},
{
"@_Name": "PT155:Number of installment tradelines opened in past 12 months",
"@_ID": "PT155",
"@_Value": "2"
},
{
"@_Name": "PT157:Number of revolving tradelines opened in past 12 months",
"@_ID": "PT157",
"@_Value": "2"
},
{
"@_Name": "PT158:Number of revolving tradelines opened in past 24 months",
"@_ID": "PT158",
"@_Value": "4"
},
{
"@_Name": "PT159:Number of credit union tradelines",
"@_ID": "PT159",
"@_Value": "0"
},
{
"@_Name": "PT160:Percent utilization on all open tradelines",
"@_ID": "PT160",
"@_Value": "69"
},
{
"@_Name": "PT162:Maximum balance on revolving tradelines",
"@_ID": "PT162",
"@_Value": "3011"
},
{
"@_Name": "PT163:Number months since more recent installment tradeline opened",
"@_ID": "PT163",
"@_Value": "5"
},
{
"@_Name": "PT165:Number of auto tradelines 30 days past due in past 6 months",
"@_ID": "PT165",
"@_Value": "-5"
},
{
"@_Name": "PT166:Number of auto tradelines opened in past 6 months",
"@_ID": "PT166",
"@_Value": "-5"
},
{
"@_Name": "PT167:Number of retail tradelines opened in past 6 months",
"@_ID": "PT167",
"@_Value": "0"
},
{
"@_Name": "PT168:Number of student loans opened in past 12 months",
"@_ID": "PT168",
"@_Value": "-5"
},
{
"@_Name": "PT174:Total amount on Collections; excluding medical",
"@_ID": "PT174",
"@_Value": "1860"
},
{
"@_Name": "PT175:Total amount on Tax Liens",
"@_ID": "PT175",
"@_Value": "0"
},
{
"@_Name": "PT176:Total amount on Judgements",
"@_ID": "PT176",
"@_Value": "5600"
},
{
"@_Name": "PT177:Total credit limit on open credit card trades",
"@_ID": "PT177",
"@_Value": "17895"
},
{
"@_Name": "PT178:Total credit limit on open retail trades",
"@_ID": "PT178",
"@_Value": "16995"
},
{
"@_Name": "PT179:Total balance on open credit card trades",
"@_ID": "PT179",
"@_Value": "11488"
},
{
"@_Name": "PT180:Total balance on open retail trades",
"@_ID": "PT180",
"@_Value": "10635"
},
{
"@_Name": "PT181:Age of oldest trade in months",
"@_ID": "PT181",
"@_Value": "140"
},
{
"@_Name": "PT182:Total number of open credit card trades",
"@_ID": "PT182",
"@_Value": "20"
},
{
"@_Name": "PT183:Total number of open retail trades",
"@_ID": "PT183",
"@_Value": "17"
},
{
"@_Name": "PT184:Total number of trades ever delinquent",
"@_ID": "PT184",
"@_Value": "1"
},
{
"@_Name": "PT185:Total number of tradelines delinquent in the last 6 months",
"@_ID": "PT185",
"@_Value": "0"
},
{
"@_Name": "PT186:Total number of installment tradelines 60 days late or worse in the last 6 months",
"@_ID": "PT186",
"@_Value": "0"
},
{
"@_Name": "PT187:Total balances on currently delinquent tradelines",
"@_ID": "PT187",
"@_Value": "0"
},
{
"@_Name": "PT188:Worst current status on any open tradeline",
"@_ID": "PT188",
"@_Value": "9"
},
{
"@_Name": "PT189:Worst status in the past 12 months on any mortgage tradeline",
"@_ID": "PT189",
"@_Value": "0"
},
{
"@_Name": "PT190:Total number of closed credit card trades",
"@_ID": "PT190",
"@_Value": "4"
},
{
"@_Name": "PT191:Total number of closed installment trades",
"@_ID": "PT191",
"@_Value": "1"
},
{
"@_Name": "PT192:Percent of revolving credit available",
"@_ID": "PT192",
"@_Value": "59"
},
{
"@_Name": "PT193:Number of loans or credit cards applied for in past 24 months",
"@_ID": "PT193",
"@_Value": "6"
},
{
"@_Name": "PT194:Number of Installment tradelines not delinquent within the last 24 months",
"@_ID": "PT194",
"@_Value": "1"
},
{
"@_Name": "PT195:Max credit limit on open bank credit cards",
"@_ID": "PT195",
"@_Value": "400"
},
{
"@_Name": "PT196:Number of collections with amount gt 0",
"@_ID": "PT196",
"@_Value": "5"
},
{
"@_Name": "PT197:Total Number of delinquent credit card and retail trades in last 6 months",
"@_ID": "PT197",
"@_Value": "0"
},
{
"@_Name": "PT198:Total number of open credit card tradelines with utilization gt 90%",
"@_ID": "PT198",
"@_Value": "3"
},
{
"@_Name": "PT199:Total number of open retail tradelines with utilization gt 90%",
"@_ID": "PT199",
"@_Value": "8"
},
{
"@_Name": "PT200:Number of closed trades; no exclusions",
"@_ID": "PT200",
"@_Value": "10"
},
{
"@_Name": "PT201:Number of open trades; no exclusions",
"@_ID": "PT201",
"@_Value": "25"
},
{
"@_Name": "PT202:Total balance on all trades; no exclusions",
"@_ID": "PT202",
"@_Value": "16577"
},
{
"@_Name": "Deceased Indicator",
"@_ID": "AP009",
"@_Value": "N"
},
{
"@_Name": "Public Record Info",
"@_ID": "AP010",
"@_Value": "Other,2011-02-18,Unknown,5600|"
}
]
},
{
"@BorrowerID": "Borrower01",
"@_Name": "TransUnion Credit Summary",
"_DATA_SET": [
{
"@_Name": "Number of Public Records",
"@_Value": "001"
},
{
"@_Name": "Number of Collections",
"@_Value": "006"
},
{
"@_Name": "Number of Negative Trades",
"@_Value": "000"
},
{
"@_Name": "Trades with any Historical Negative",
"@_Value": "001"
},
{
"@_Name": "Occurrences of Historical Negatives",
"@_Value": "002"
},
{
"@_Name": "Number of Trades",
"@_Value": "029"
},
{
"@_Name": "Number of Revolving and Check Credit Trades",
"@_Value": "029"
},
{
"@_Name": "Number of Installment Trades",
"@_Value": "000"
},
{
"@_Name": "Number of Mortgage Trades",
"@_Value": "000"
},
{
"@_Name": "Number of Open Trade Accounts",
"@_Value": "000"
},
{
"@_Name": "Number of Inquiries",
"@_Value": "006"
}
]
}
],
"CREDIT_SUMMARY_TUI": {
"@BorrowerID": "Borrower01",
"@_Name": "Attributes",
"_DATA_SET": [
{
"@_Name": "Number of tradelines",
"@_ID": "AP001",
"@_Value": "35"
},
{
"@_Name": "Average age of open tradelines",
"@_ID": "AP002",
"@_Value": "55"
},
{
"@_Name": "Average age of open tradelines; exclude auth user and joint ecoa",
"@_ID": "AP003",
"@_Value": "55"
},
{
"@_Name": "Number of hard inquiries",
"@_ID": "AP004",
"@_Value": "6"
},
{
"@_Name": "Number of payments",
"@_ID": "AP005",
"@_Value": "1036"
},
{
"@_Name": "Revolving utilization on open credit cards",
"@_ID": "AP006",
"@_Value": "64"
},
{
"@_Name": "Total occurrences of minor delinqs",
"@_ID": "AP007",
"@_Value": "2"
},
{
"@_Name": "Total number of major derogatory tradelines",
"@_ID": "AP008",
"@_Value": "6"
},
{
"@_Name": "Total number of major derogatory tradelines calculated by TU",
"@_ID": "AP008_RAW",
"@_Value": "6"
},
{
"@_Name": "AT01S:Number of trades",
"@_ID": "AT01S",
"@_Value": "35"
},
{
"@_Name": "AT02S:Number of open trades",
"@_ID": "AT02S",
"@_Value": "25"
},
{
"@_Name": "AT06S:Number of trades opened in past 6 months",
"@_ID": "AT06S",
"@_Value": "1"
},
{
"@_Name": "AT09S:Number of trades opened in past 24 months",
"@_ID": "AT09S",
"@_Value": "6"
},
{
"@_Name": "AT20S:Months since oldest trade opened",
"@_ID": "AT20S",
"@_Value": "140"
},
{
"@_Name": "AT28A:Total credit line of open trades verified in past 12 months",
"@_ID": "AT28A",
"@_Value": "20707"
},
{
"@_Name": "AT28B:Total credit line of open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT28B",
"@_Value": "20707"
},
{
"@_Name": "AT33A:Total balance of open trades verified in past 12 months",
"@_ID": "AT33A",
"@_Value": "14400"
},
{
"@_Name": "AT33B:Total balance of open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT33B",
"@_Value": "14400"
},
{
"@_Name": "AT34A:Utilization for open trades verified in past 12 months",
"@_ID": "AT34A",
"@_Value": "70"
},
{
"@_Name": "AT34B:Utilization for open trades verified in past 12 months (excl mort and home equity)",
"@_ID": "AT34B",
"@_Value": "70"
},
{
"@_Name": "AT36S:Months since most recent delinquency",
"@_ID": "AT36S",
"@_Value": "31"
},
{
"@_Name": "AT57S:Total past due amount of open trades verified in past 12 months",
"@_ID": "AT57S",
"@_Value": "0"
},
{
"@_Name": "AT103S:Percentage of satisfactory open trades to all open trades",
"@_ID": "AT103S",
"@_Value": "80"
},
{
"@_Name": "AT104S:Percentage of all trades opened in past 24 months to all trades",
"@_ID": "AT104S",
"@_Value": "20"
},
{
"@_Name": "ATAP01:Total scheduled monthly payment for all trades verified in past 12 months",
"@_ID": "ATAP01",
"@_Value": "738"
},
{
"@_Name": "AU28S:Total credit line of open auto trades verified in past 12 months",
"@_ID": "AU28S",
"@_Value": "0"
},
{
"@_Name": "AU33S:Total balance of open auto trades verified in past 12 months",
"@_ID": "AU33S",
"@_Value": "0"
},
{
"@_Name": "AU34S:Utilization for open auto trades verified in past 12 months",
"@_ID": "AU34S",
"@_Value": "N/A"
},
{
"@_Name": "AU57S:Total past due amount of open auto trades verified in past 12 months",
"@_ID": "AU57S",
"@_Value": "N/A"
},
{
"@_Name": "BC02S:Number of open credit card trades",
"@_ID": "BC02S",
"@_Value": "3"
},
{
"@_Name": "BC06S:Number of credit card trades opened in past 6 months",
"@_ID": "BC06S",
"@_Value": "0"
},
{
"@_Name": "BC102S:Average credit line of open credit card trades verified in past 12 months",
"@_ID": "BC102S",
"@_Value": "300"
},
{
"@_Name": "BC12S:Number of open credit card trades verified in past 12 months",
"@_ID": "BC12S",
"@_Value": "3"
},
{
"@_Name": "BC20S:Months since oldest credit card trade opened",
"@_ID": "BC20S",
"@_Value": "68"
},
{
"@_Name": "BC28S:Total credit line of open credit card trades verified in past 12 months",
"@_ID": "BC28S",
"@_Value": "900"
},
{
"@_Name": "BC30S:Percentage of open credit card trades > 50% of credit line verified in past 12 months",
"@_ID": "BC30S",
"@_Value": "75"
},
{
"@_Name": "BC31S:Percentage of open credit card trades > 75% of credit line verified in past 12 months",
"@_ID": "BC31S",
"@_Value": "75"
},
{
"@_Name": "BC33S:Total balance of open credit card trades verified in past 12 months",
"@_ID": "BC33S",
"@_Value": "853"
},
{
"@_Name": "BC34S:Utilization for open credit card trades verified in past 12 months",
"@_ID": "BC34S",
"@_Value": "95"
},
{
"@_Name": "BC57S:Total past due amount of open credit card trades verified in past 12 months",
"@_ID": "BC57S",
"@_Value": "0"
},
{
"@_Name": "CO04S:Months since most recent charged-off trade was first reported",
"@_ID": "CO04S",
"@_Value": "32"
},
{
"@_Name": "FC04S:Months since most recent foreclosure trade was first reported",
"@_ID": "FC04S",
"@_Value": "N/A"
},
{
"@_Name": "G020S:Number of trades with maximum delinquency of 30 days past due in past 24 months",
"@_ID": "G020S",
"@_Value": "0"
},
{
"@_Name": "G051S:Percentage of trades ever delinquent",
"@_ID": "G051S",
"@_Value": "23"
},
{
"@_Name": "G093S:Number of public records",
"@_ID": "G093S",
"@_Value": "1"
},
{
"@_Name": "G094S:Number of public record bankruptcies",
"@_ID": "G094S",
"@_Value": "0"
},
{
"@_Name": "G095S:Months since most recent public record",
"@_ID": "G095S",
"@_Value": "52"
},
{
"@_Name": "G103S:Months since most recent credit inquiry",
"@_ID": "G103S",
"@_Value": "3"
},
{
"@_Name": "G202A:Total open to buy of open trades verified in past 12 months (excl installs and morts)",
"@_ID": "G202A",
"@_Value": "6307"
},
{
"@_Name": "G215B:Number of non-medical third party collections with balance > $0",
"@_ID": "G215B",
"@_Value": "2"
},
{
"@_Name": "G217S:Total past due amount of all trades verified in past 12 months",
"@_ID": "G217S",
"@_Value": "0"
},
{
"@_Name": "G218B:Number of trades verified in the past 12 months that are currently 30+ DPD",
"@_ID": "G218B",
"@_Value": "0"
},
{
"@_Name": "G224A:Number of 90 days past due or worse items ever (excluding medical colls)",
"@_ID": "G224A",
"@_Value": "3"
},
{
"@_Name": "G238S:Number of credit inquiries in past 12 months (excl coll inqs)",
"@_ID": "G238S",
"@_Value": "3"
},
{
"@_Name": "G244S:Number of inquiries (includes duplicates) in past 12 months",
"@_ID": "G244S",
"@_Value": "3"
},
{
"@_Name": "G250A:Number of 30 DPD or worse items ever (excluding medical colls)",
"@_ID": "G250A",
"@_Value": "4"
},
{
"@_Name": "G250B:Number of 30 DPD or worse items in the past 12 months (excluding medical colls)",
"@_ID": "G250B",
"@_Value": "2"
},
{
"@_Name": "G250C:Number of 30 DPD or worse items in the past 24 months (excluding medical colls)",
"@_ID": "G250C",
"@_Value": "2"
},
{
"@_Name": "G251A:Number of 60 DPD or worse items ever (excluding medical colls)",
"@_ID": "G251A",
"@_Value": "4"
},
{
"@_Name": "G302S:Worst rating on revolving trades in past 12 months",
"@_ID": "G302S",
"@_Value": "N/A"
},
{
"@_Name": "G304S:Worst rating on installment trades in past 12 months",
"@_ID": "G304S",
"@_Value": "9"
},
{
"@_Name": "G310S:Worst rating on all trades in past 12 months",
"@_ID": "G310S",
"@_Value": "9"
},
{
"@_Name": "GB311:Indicates if bankruptcies have been filed",
"@_ID": "GB311",
"@_Value": "0"
},
{
"@_Name": "HI57S:Total past due amount of open home equity loan trades verified in past 12 months",
"@_ID": "HI57S",
"@_Value": "N/A"
},
{
"@_Name": "HR57S:Total past due amount of open HELOC trades verified in past 12 months",
"@_ID": "HR57S",
"@_Value": "N/A"
},
{
"@_Name": "IN02S:Number of open installment trades",
"@_ID": "IN02S",
"@_Value": "5"
},
{
"@_Name": "IN06S:Number of installment trades opened in past 6 months",
"@_ID": "IN06S",
"@_Value": "1"
},
{
"@_Name": "IN28S:Total credit line of open installment trades verified in past 12 months",
"@_ID": "IN28S",
"@_Value": "2912"
},
{
"@_Name": "IN33S:Total balance of open installment trades verified in past 12 months",
"@_ID": "IN33S",
"@_Value": "2912"
},
{
"@_Name": "IN34S:Utilization for open installment trades verified in past 12 months",
"@_ID": "IN34S",
"@_Value": "100"
},
{
"@_Name": "IN36S:Months since most recent installment delinquency",
"@_ID": "IN36S",
"@_Value": "1"
},
{
"@_Name": "IN57S:Total past due amount of open installment trades verified in past 12 months",
"@_ID": "IN57S",
"@_Value": "0"
},
{
"@_Name": "MT02S:Number of open mortgage trades",
"@_ID": "MT02S",
"@_Value": "0"
},
{
"@_Name": "MT06S:Number of mortgage trades opened in past 6 months",
"@_ID": "MT06S",
"@_Value": "0"
},
{
"@_Name": "MT28S:Total credit line of open mortgage trades verified in past 12 months",
"@_ID": "MT28S",
"@_Value": "0"
},
{
"@_Name": "MT33S:Total balance of open mortgage trades verified in past 12 months",
"@_ID": "MT33S",
"@_Value": "0"
},
{
"@_Name": "MT34S:Utilization for open mortgage trades verified in past 12 months",
"@_ID": "MT34S",
"@_Value": "N/A"
},
{
"@_Name": "MT36S:Months since most recent mortgage delinquency",
"@_ID": "MT36S",
"@_Value": "N/A"
},
{
"@_Name": "MT57S:Total past due amount of open mortgage trades verified in past 12 months",
"@_ID": "MT57S",
"@_Value": "N/A"
},
{
"@_Name": "RE02S:Number of open revolving trades",
"@_ID": "RE02S",
"@_Value": "20"
},
{
"@_Name": "RE06S:Number of revolving trades opened in past 6 months",
"@_ID": "RE06S",
"@_Value": "0"
},
{
"@_Name": "RE12S:Number of open revolving trades verified in past 12 months",
"@_ID": "RE12S",
"@_Value": "19"
},
{
"@_Name": "RE20S:Months since oldest revolving trade opened",
"@_ID": "RE20S",
"@_Value": "140"
},
{
"@_Name": "RE21S:Months since most recent revolving trade opened",
"@_ID": "RE21S",
"@_Value": "8"
},
{
"@_Name": "RE28S:Total credit line of open revolving trades verified in past 12 months",
"@_ID": "RE28S",
"@_Value": "17795"
},
{
"@_Name": "RE30S:Percentage of open revolving trades > 50% of credit line verified in past 12 months",
"@_ID": "RE30S",
"@_Value": "58"
},
{
"@_Name": "RE31S:Percentage of open revolving trades > 75% of credit line verified in past 12 months",
"@_ID": "RE31S",
"@_Value": "29"
},
{
"@_Name": "RE33S:Total balance of open revolving trades verified in past 12 months",
"@_ID": "RE33S",
"@_Value": "11488"
},
{
"@_Name": "RE34S:Utilization for open revolving trades verified in past 12 months",
"@_ID": "RE34S",
"@_Value": "65"
},
{
"@_Name": "RE34T:Utilization for all bureau open revolving trades verified in past 12 months",
"@_ID": "RE34T",
"@_Value": "65"
},
{
"@_Name": "RE36S:Months since most recent revolving delinquency",
"@_ID": "RE36S",
"@_Value": "31"
},
{
"@_Name": "RE57S:Total past due amount of open revolving trades verified in past 12 months",
"@_ID": "RE57S",
"@_Value": "0"
},
{
"@_Name": "RE102S:Average credit line of open revolving trades verified in past 12 months",
"@_ID": "RE102S",
"@_Value": "937"
},
{
"@_Name": "RP04S:Months since most recent repossession trade was first reported",
"@_ID": "RP04S",
"@_Value": "N/A"
},
{
"@_Name": "S004S:Average number of months trades have been on file",
"@_ID": "S004S",
"@_Value": "53"
},
{
"@_Name": "S043S:Number of open trades > 50% of credit line verified in 12 mons (excl installs and morts)",
"@_ID": "S043S",
"@_Value": "58"
},
{
"@_Name": "S061S:Months since most recent 60 or more days past due",
"@_ID": "S061S",
"@_Value": "31"
},
{
"@_Name": "S062S:Months since most recent 90 or more days past due",
"@_ID": "S062S",
"@_Value": "N/A"
},
{
"@_Name": "S068A:Number of third party collections",
"@_ID": "S068A",
"@_Value": "6"
},
{
"@_Name": "S114S:Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)",
"@_ID": "S114S",
"@_Value": "1"
},
{
"@_Name": "S204A:Total balance of non-medical third party collections verified in past 12 months",
"@_ID": "S204A",
"@_Value": "1860"
},
{
"@_Name": "S207A:Months since most recent tradeline bankruptcy",
"@_ID": "S207A",
"@_Value": "N/A"
},
{
"@_Name": "S207S:Months since most recent public record bankruptcy",
"@_ID": "S207S",
"@_Value": "N/A"
},
{
"@_Name": "S209A:Months since most recent non-medical third party collection",
"@_ID": "S209A",
"@_Value": "5"
},
{
"@_Name": "ST28S:Total credit line of open student loan trades verified in past 12 months",
"@_ID": "ST28S",
"@_Value": "0"
},
{
"@_Name": "ST33S:Total balance of open student loan trades verified in past 12 months",
"@_ID": "ST33S",
"@_Value": "0"
},
{
"@_Name": "ST34S:Utilization for open student loan trades verified in past 12 months",
"@_ID": "ST34S",
"@_Value": "N/A"
},
{
"@_Name": "ST57S:Total past due amount of open student loan trades verified in past 12 months",
"@_ID": "ST57S",
"@_Value": "N/A"
},
{
"@_Name": "PT014:Total Scheduled Monthly Payment",
"@_ID": "PT014",
"@_Value": "738"
},
{
"@_Name": "PT016:Utilization on revolving trades",
"@_ID": "PT016",
"@_Value": "64"
},
{
"@_Name": "PT017:Total balance on open revolving trades",
"@_ID": "PT017",
"@_Value": "11488"
},
{
"@_Name": "PT019:Total Mortgage Monthly Payment",
"@_ID": "PT019",
"@_Value": "-5"
},
{
"@_Name": "PT020:Total balance on open Mortgages",
"@_ID": "PT020",
"@_Value": "-5"
},
{
"@_Name": "PT021:Total Monthly Automobile Payment",
"@_ID": "PT021",
"@_Value": "-5"
},
{
"@_Name": "PT022:Date of oldest trade",
"@_ID": "PT022",
"@_Value": "102003"
},
{
"@_Name": "PT023:Months since infile created at bureau",
"@_ID": "PT023",
"@_Value": "169"
},
{
"@_Name": "PT027:Total occurrances of delinquencies in past 12 months",
"@_ID": "PT027",
"@_Value": "0"
},
{
"@_Name": "PT038:Number of Inquiries in past 6 months",
"@_ID": "PT038",
"@_Value": "1"
},
{
"@_Name": "PT054:Total Credit Limit/High Credit on open tradelines",
"@_ID": "PT054",
"@_Value": "20807"
},
{
"@_Name": "PT056:Total balance on all tradelines",
"@_ID": "PT056",
"@_Value": "16577"
},
{
"@_Name": "PT063:Number of currently delinquent tradelines",
"@_ID": "PT063",
"@_Value": "0"
},
{
"@_Name": "PT064:Number of currently delinquent revolving tradelines",
"@_ID": "PT064",
"@_Value": "0"
},
{
"@_Name": "PT065:Number of currently delinquent installment tradelines",
"@_ID": "PT065",
"@_Value": "0"
},
{
"@_Name": "PT068:Average balance on open tradelines",
"@_ID": "PT068",
"@_Value": "576"
},
{
"@_Name": "PT069:Number of Chargeoffs in past 12 months",
"@_ID": "PT069",
"@_Value": "0"
},
{
"@_Name": "PT071:Total occurrances of delinquencies in the past 2 years",
"@_ID": "PT071",
"@_Value": "0"
},
{
"@_Name": "PT072:Total occurrances of delinquencies in the past 30 days",
"@_ID": "PT072",
"@_Value": "0"
},
{
"@_Name": "PT073:Total occurrances of delinquencies in the past 60 days",
"@_ID": "PT073",
"@_Value": "0"
},
{
"@_Name": "PT074:Total occurrances of delinquencies in the past 7 years",
"@_ID": "PT074",
"@_Value": "2"
},
{
"@_Name": "PT076:Date of oldest trade",
"@_ID": "PT076",
"@_Value": "102003"
},
{
"@_Name": "PT079:Number of months since oldest installment tradeline opened",
"@_ID": "PT079",
"@_Value": "68"
},
{
"@_Name": "PT080:Number of months since oldest revolving tradeline opened",
"@_ID": "PT080",
"@_Value": "140"
},
{
"@_Name": "PT082:Number of months since most recent tradeline opened",
"@_ID": "PT082",
"@_Value": "5"
},
{
"@_Name": "PT083:Number of mortgage trades",
"@_ID": "PT083",
"@_Value": "0"
},
{
"@_Name": "PT088:Number of months since 90+ late or worse derogatory",
"@_ID": "PT088",
"@_Value": "1"
},
{
"@_Name": "PT089:Number of tradelines reported in past 2 months and currently 120 days past due",
"@_ID": "PT089",
"@_Value": "0"
},
{
"@_Name": "PT090:Number of tradelines currently 30 days past due",
"@_ID": "PT090",
"@_Value": "0"
},
{
"@_Name": "PT091:Number of tradelines 90+ days past due in past 24 months",
"@_ID": "PT091",
"@_Value": "0"
},
{
"@_Name": "PT092:Number of tradelines opened in past 12 months",
"@_ID": "PT092",
"@_Value": "4"
},
{
"@_Name": "PT093:Percentage of tradelines never delinquent",
"@_ID": "PT093",
"@_Value": "97"
},
{
"@_Name": "PT094:Number of tradelines ever 120 days past due",
"@_ID": "PT094",
"@_Value": "0"
},
{
"@_Name": "PT095:Number of months since oldest bank installment tradeline",
"@_ID": "PT095",
"@_Value": "68"
},
{
"@_Name": "PT103:Total credit limit/high credit on open installment tradelines",
"@_ID": "PT103",
"@_Value": "2912"
},
{
"@_Name": "PT104:Number of currently satisfactory tradelines",
"@_ID": "PT104",
"@_Value": "24"
},
{
"@_Name": "PT105:Number of revolving tradelines",
"@_ID": "PT105",
"@_Value": "24"
},
{
"@_Name": "PT110:Number of revolving tradelines opened in past 7 years",
"@_ID": "PT110",
"@_Value": "17"
},
{
"@_Name": "PT111:Total credit limit/high credit on open revolving tradelines",
"@_ID": "PT111",
"@_Value": "17895"
},
{
"@_Name": "PT112:Total available credit on open bankcard tradelines verified in the last 6 mons",
"@_ID": "PT112",
"@_Value": "47"
},
{
"@_Name": "PT115:Percent of bankcard tradelines gt 75% of credit limit",
"@_ID": "PT115",
"@_Value": "75"
},
{
"@_Name": "PT118:Total credit limit/high credit on open bankcard tradelines",
"@_ID": "PT118",
"@_Value": "900"
},
{
"@_Name": "PT119:Number of bankcard tradelines",
"@_ID": "PT119",
"@_Value": "4"
},
{
"@_Name": "PT120:Number of months since most recent bankcard tradeline opened",
"@_ID": "PT120",
"@_Value": "8"
},
{
"@_Name": "PT121:Number of bankcard tradelines opened in the past 6 months",
"@_ID": "PT121",
"@_Value": "0"
},
{
"@_Name": "PT122:Number of bankcard tradelines never delinquent",
"@_ID": "PT122",
"@_Value": "4"
},
{
"@_Name": "PT125:Number of months since most recent bankcard delinquency",
"@_ID": "PT125",
"@_Value": "N/A"
},
{
"@_Name": "PT126:Percent utilization on bankcard tradelines",
"@_ID": "PT126",
"@_Value": "60"
},
{
"@_Name": "PT129:Number of Public Records with amount gt 100",
"@_ID": "PT129",
"@_Value": "0"
},
{
"@_Name": "PT130:Number of Tax Liens",
"@_ID": "PT130",
"@_Value": "0"
},
{
"@_Name": "PT132:Total amount on Collections",
"@_ID": "PT132",
"@_Value": "2912"
},
{
"@_Name": "PT133:Number of repossessions",
"@_ID": "PT133",
"@_Value": "0"
},
{
"@_Name": "PT134:Number of foreclosures",
"@_ID": "PT134",
"@_Value": "0"
},
{
"@_Name": "PT136:Number of Collections/Chargeoffs in past 24 months; excluding medical",
"@_ID": "PT136",
"@_Value": "2"
},
{
"@_Name": "PT137:Total amount on Collections in past 36 months; excluding medical",
"@_ID": "PT137",
"@_Value": "3"
},
{
"@_Name": "PT138:Number of tradelines active within the past 6 months",
"@_ID": "PT138",
"@_Value": "25"
},
{
"@_Name": "PT139:Number of mortgage tradelines opened in past 6 months",
"@_ID": "PT139",
"@_Value": "-5"
},
{
"@_Name": "PT140:Number of open installment tradelines opened within the past 24 months",
"@_ID": "PT140",
"@_Value": "2"
},
{
"@_Name": "PT141:Total occurrances of 30 days late within the past 12 months on Mortgage trades",
"@_ID": "PT141",
"@_Value": "-5"
},
{
"@_Name": "PT142:Number of mortgages passed due 30 days or more in the last 6 months",
"@_ID": "PT142",
"@_Value": "-5"
},
{
"@_Name": "PT143:Total occurrances of 30 days late within the past 12 months",
"@_ID": "PT143",
"@_Value": "0"
},
{
"@_Name": "PT144:Number of collections with amount gt 500",
"@_ID": "PT144",
"@_Value": "2"
},
{
"@_Name": "PT145:Total balance on unsecured credit card tradelines",
"@_ID": "PT145",
"@_Value": "13665"
},
{
"@_Name": "PT146:Total balance on unsecured tradelines",
"@_ID": "PT146",
"@_Value": "16577"
},
{
"@_Name": "PT147:Total amount on Tax Liens filed within the past 36 months",
"@_ID": "PT147",
"@_Value": "0"
},
{
"@_Name": "PT148:Total amount on Judgements filed within the past 36 months",
"@_ID": "PT148",
"@_Value": "0"
},
{
"@_Name": "PT149:Number of Public Records filed in past 24 months",
"@_ID": "PT149",
"@_Value": "0"
},
{
"@_Name": "PT150:Number of non-federal Student Loan tradelines",
"@_ID": "PT150",
"@_Value": "0"
},
{
"@_Name": "PT151:Number of repossessed auto loan tradelines",
"@_ID": "PT151",
"@_Value": "-5"
},
{
"@_Name": "PT153:Percent utilization on installment tradelines",
"@_ID": "PT153",
"@_Value": "85"
},
{
"@_Name": "PT154:Number of revolving tradelines with balance gt 0",
"@_ID": "PT154",
"@_Value": "20"
},
{
"@_Name": "PT155:Number of installment tradelines opened in past 12 months",
"@_ID": "PT155",
"@_Value": "2"
},
{
"@_Name": "PT157:Number of revolving tradelines opened in past 12 months",
"@_ID": "PT157",
"@_Value": "2"
},
{
"@_Name": "PT158:Number of revolving tradelines opened in past 24 months",
"@_ID": "PT158",
"@_Value": "4"
},
{
"@_Name": "PT159:Number of credit union tradelines",
"@_ID": "PT159",
"@_Value": "0"
},
{
"@_Name": "PT160:Percent utilization on all open tradelines",
"@_ID": "PT160",
"@_Value": "69"
},
{
"@_Name": "PT162:Maximum balance on revolving tradelines",
"@_ID": "PT162",
"@_Value": "3011"
},
{
"@_Name": "PT163:Number months since more recent installment tradeline opened",
"@_ID": "PT163",
"@_Value": "5"
},
{
"@_Name": "PT165:Number of auto tradelines 30 days past due in past 6 months",
"@_ID": "PT165",
"@_Value": "-5"
},
{
"@_Name": "PT166:Number of auto tradelines opened in past 6 months",
"@_ID": "PT166",
"@_Value": "-5"
},
{
"@_Name": "PT167:Number of retail tradelines opened in past 6 months",
"@_ID": "PT167",
"@_Value": "0"
},
{
"@_Name": "PT168:Number of student loans opened in past 12 months",
"@_ID": "PT168",
"@_Value": "-5"
},
{
"@_Name": "PT174:Total amount on Collections; excluding medical",
"@_ID": "PT174",
"@_Value": "1860"
},
{
"@_Name": "PT175:Total amount on Tax Liens",
"@_ID": "PT175",
"@_Value": "0"
},
{
"@_Name": "PT176:Total amount on Judgements",
"@_ID": "PT176",
"@_Value": "5600"
},
{
"@_Name": "PT177:Total credit limit on open credit card trades",
"@_ID": "PT177",
"@_Value": "17895"
},
{
"@_Name": "PT178:Total credit limit on open retail trades",
"@_ID": "PT178",
"@_Value": "16995"
},
{
"@_Name": "PT179:Total balance on open credit card trades",
"@_ID": "PT179",
"@_Value": "11488"
},
{
"@_Name": "PT180:Total balance on open retail trades",
"@_ID": "PT180",
"@_Value": "10635"
},
{
"@_Name": "PT181:Age of oldest trade in months",
"@_ID": "PT181",
"@_Value": "140"
},
{
"@_Name": "PT182:Total number of open credit card trades",
"@_ID": "PT182",
"@_Value": "20"
},
{
"@_Name": "PT183:Total number of open retail trades",
"@_ID": "PT183",
"@_Value": "17"
},
{
"@_Name": "PT184:Total number of trades ever delinquent",
"@_ID": "PT184",
"@_Value": "1"
},
{
"@_Name": "PT185:Total number of tradelines delinquent in the last 6 months",
"@_ID": "PT185",
"@_Value": "0"
},
{
"@_Name": "PT186:Total number of installment tradelines 60 days late or worse in the last 6 months",
"@_ID": "PT186",
"@_Value": "0"
},
{
"@_Name": "PT187:Total balances on currently delinquent tradelines",
"@_ID": "PT187",
"@_Value": "0"
},
{
"@_Name": "PT188:Worst current status on any open tradeline",
"@_ID": "PT188",
"@_Value": "9"
},
{
"@_Name": "PT189:Worst status in the past 12 months on any mortgage tradeline",
"@_ID": "PT189",
"@_Value": "0"
},
{
"@_Name": "PT190:Total number of closed credit card trades",
"@_ID": "PT190",
"@_Value": "4"
},
{
"@_Name": "PT191:Total number of closed installment trades",
"@_ID": "PT191",
"@_Value": "1"
},
{
"@_Name": "PT192:Percent of revolving credit available",
"@_ID": "PT192",
"@_Value": "59"
},
{
"@_Name": "PT193:Number of loans or credit cards applied for in past 24 months",
"@_ID": "PT193",
"@_Value": "6"
},
{
"@_Name": "PT194:Number of Installment tradelines not delinquent within the last 24 months",
"@_ID": "PT194",
"@_Value": "1"
},
{
"@_Name": "PT195:Max credit limit on open bank credit cards",
"@_ID": "PT195",
"@_Value": "400"
},
{
"@_Name": "PT196:Number of collections with amount gt 0",
"@_ID": "PT196",
"@_Value": "5"
},
{
"@_Name": "PT197:Total Number of delinquent credit card and retail trades in last 6 months",
"@_ID": "PT197",
"@_Value": "0"
},
{
"@_Name": "PT198:Total number of open credit card tradelines with utilization gt 90%",
"@_ID": "PT198",
"@_Value": "3"
},
{
"@_Name": "PT199:Total number of open retail tradelines with utilization gt 90%",
"@_ID": "PT199",
"@_Value": "8"
},
{
"@_Name": "PT200:Number of closed trades; no exclusions",
"@_ID": "PT200",
"@_Value": "10"
},
{
"@_Name": "PT201:Number of open trades; no exclusions",
"@_ID": "PT201",
"@_Value": "25"
},
{
"@_Name": "PT202:Total balance on all trades; no exclusions",
"@_ID": "PT202",
"@_Value": "16577"
},
{
"@_Name": "Deceased Indicator",
"@_ID": "AP009",
"@_Value": "N"
},
{
"@_Name": "Public Record Info",
"@_ID": "AP010",
"@_Value": "Other,2011-02-18,Unknown,5600|"
}
]
}
}
}
<RESPONSE_GROUP MISMOVersionID="2.4">
<RESPONDING_PARTY/>
<RESPOND_TO_PARTY/>
<RESPONSE ResponseDateTime="2022-07-27T19:49:56">
<KEY _Name="ReturnCode" _Value="0"/>
<KEY _Name="ReturnMessage" _Value="Successfully Parsed"/>
<KEY _Name="MPProduct" _Value="Attribute"/>
<KEY _Name="MPProduct" _Value="Merge"/>
<KEY _Name="CreditScoreRankPercent_CRRep0001_SCORE001" _Value="13"/>
<KEY _Name="TransUnionVantageScore3.0_MinimumValue" _Value="560"/>
<KEY _Name="TransUnionVantageScore3.0_MaximumValue" _Value="565"/>
<RESPONSE_DATA>
<CREDIT_RESPONSE MISMOVersionID="2.4" CreditResponseID="CRRep0001" CreditReportIdentifier="2-stephanie-land-19680" CreditReportFirstIssuedDate="2022-07-27T19:49:54.580Z" CreditReportMergeTypeIndicator="ListAndStack" CreditRatingCodeType="Equifax">
<_DATA_INFORMATION>
<DATA_VERSION _Name="Credmo" _Number="1.3"/>
<DATA_VERSION _Name="TransUnion" _Number="4"/>
</_DATA_INFORMATION>
<CREDIT_BUREAU/>
<CREDIT_REPOSITORY_INCLUDED _EquifaxIndicator="N" _ExperianIndicator="N" _TransUnionIndicator="Y"/>
<CREDIT_FROZEN_STATUS _EquifaxIndicator="" _ExperianIndicator="" _TransUnionIndicator="false"/>
<REQUESTING_PARTY/>
<CREDIT_REQUEST_DATA BorrowerID="Borrower01">
<CREDIT_REPOSITORY_INCLUDED _EquifaxIndicator="N" _ExperianIndicator="N" _TransUnionIndicator="Y"/>
</CREDIT_REQUEST_DATA>
<BORROWER BorrowerID="Borrower01" _BirthDate="1968-01-01" _FirstName="STEPHANIE" _MiddleName="G" _LastName="LAND" _SSN="XXXXXXXXX" _UnparsedName="STEPHANIE G LAND " _PrintPositionType="Borrower">
<_RESIDENCE _StreetAddress="338 E 100TH ST" _City="NEW YORK" _State="NY" _PostalCode="10029" BorrowerResidencyType="Current"/>
<_RESIDENCE _StreetAddress="23 E 109TH ST" _City="NEW YORK" _State="NY" _PostalCode="10029" BorrowerResidencyType="Prior"/>
</BORROWER>
<CREDIT_LIABILITY CreditLiabilityID="TRADE001" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="600880781761" _AccountOpenedDate="2003-12-14" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-25" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="3400" _HighBalanceAmount="3622" _HighCreditAmount="3622" _LastActivityDate="2015-04-09" _MonthlyPaymentAmount="150" _MonthsReviewedCount="28" _PastDueAmount="0" _TermsDescription="M$150" _TermsSourceType="Provided" _UnpaidBalanceAmount="3011" CreditBusinessType="DepartmentAndMailOrder" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-09" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Department/varietyAndOtherRetail" RawIndustryCode="D" TradelineHashComplex="6f4330a37183d4d83c99e5fbd2c5df0b" TradelineHashSimple="39a109506b73d560aab21f9f89af0d18" TUI_Handle="TR01_-863266052_691577269_82">
<_CREDITOR _Name="SYNCB/JCP"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03-25"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-863266052_691577269_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235058D"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE002" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="601916134916" _AccountOpenedDate="2014-05-02" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-30" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="4000" _HighBalanceAmount="3250" _HighCreditAmount="3250" _LastActivityDate="2015-04-09" _MonthlyPaymentAmount="79" _MonthsReviewedCount="10" _PastDueAmount="0" _TermsDescription="M$79" _TermsSourceType="Provided" _UnpaidBalanceAmount="2092" CreditBusinessType="Finance" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-09" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Finance/personal" RawIndustryCode="F" TradelineHashComplex="33351eff13953209c6ae9983ffb92805" TradelineHashSimple="e0cd6c84d61813d0506289cfe33a5bb3" TUI_Handle="TR01_-1328251053_-1510307835_82">
<_CREDITOR _Name="SYNCB/CARECR"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCC" _StartDate="2015-03-30"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-1328251053_-1510307835_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0999206T"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE003" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountClosedDate="2012-07-25" _AccountIdentifier="405009478719" _AccountOpenedDate="2010-10-31" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-19" _AccountStatusType="Closed" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="3000" _HighBalanceAmount="3328" _HighCreditAmount="3328" _LastActivityDate="2015-05-15" _MonthlyPaymentAmount="0" _MonthsReviewedCount="48" _PastDueAmount="0" _UnpaidBalanceAmount="1477" CreditBusinessType="Banking" CreditLoanType="CreditCard" CreditLoanTypeCode="CC" IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N" DateClosedIndicator="C" LastPaymentDate="2015-05-15" RawAccountStatus="C" RawAccountType="R" RawIndustryText="BanksAndS&l" RawIndustryCode="B" TradelineHashComplex="f0bbefa55db7f94c2e54bb5349c098d0" TradelineHashSimple="737f586a3d0d6e08b4a1d67d5325988f" TUI_Handle="TR01_2019117258_804122595_82">
<_CREDITOR _Name="CHASE"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-19"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="CBC">
<_Text>ACCOUNT CLOSED BY CONSUMER</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_2019117258_804122595_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="026QK001"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE004" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="8X4X4X6X6X" _AccountOpenedDate="2015-01-27" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-19" _AccountStatusType="Open" _AccountType="Open" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="Y" _HighBalanceAmount="1032" _LastActivityDate="2015-05-19" _MonthlyPaymentAmount="1032" _OriginalCreditorName="T MOBILE" _TermsDescription="M$1032" _TermsSourceType="Calculated" _UnpaidBalanceAmount="1032" CreditBusinessType="CollectionServices" _OriginalBalanceAmount="000001032" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="Y" IsChargeoffIndicator="N" CollectionDate="2015-01" RawAccountStatus="O" RawAccountType="O" RawIndustryText="CollectionServices" RawIndustryCode="Y" TradelineHashComplex="0cb377835c4d20db24151d7a5ca564fe" TradelineHashSimple="fac2192a956258a95c24fb0659584536" TUI_Handle="TR01_237393068_1680812151_89">
<_CREDITOR _Name="MIDLAND FUND"/>
<_CURRENT_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_HIGHEST_ADVERSE_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_MOST_RECENT_ADVERSE_RATING _Code="9" _Date="2015-05-19" _Type="CollectionOrChargeOff"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="CLA">
<_Text>PLACED FOR COLLECTION</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_237393068_1680812151_89"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="036ET009"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE005" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="600885256184" _AccountOpenedDate="2011-05-04" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-15" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="1400" _HighBalanceAmount="1020" _HighCreditAmount="1020" _LastActivityDate="2015-05-02" _MonthlyPaymentAmount="49" _MonthsReviewedCount="47" _PastDueAmount="0" _TermsDescription="M$49" _TermsSourceType="Provided" _UnpaidBalanceAmount="986" CreditBusinessType="DepartmentAndMailOrder" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-05-02" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Department/varietyAndOtherRetail" RawIndustryCode="D" TradelineHashComplex="c3d44a858d3cb37e73dcfac781567f5c" TradelineHashSimple="8ae9a5ed30db9322884a9264ebbaf00e" TUI_Handle="TR01_-866488007_691577269_82">
<_CREDITOR _Name="SYNCB/JCP"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-15"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-866488007_691577269_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235058D"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE006" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="8X7X1" _AccountOpenedDate="2011-07-18" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-30" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="1030" _HighBalanceAmount="920" _HighCreditAmount="920" _LastActivityDate="2015-04-08" _MonthlyPaymentAmount="40" _MonthsReviewedCount="45" _PastDueAmount="0" _TermsDescription="M$40" _TermsSourceType="Provided" _UnpaidBalanceAmount="831" CreditBusinessType="Clothing" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-08" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Clothing" RawIndustryCode="C" TradelineHashComplex="bd337ad32db406292a29d02253993f51" TradelineHashSimple="1f42452b81294e8d8b9068404a769a6e" TUI_Handle="TR01_54394416_-79448674_82">
<_CREDITOR _Name="CB/VICSCRT"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03-30"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_54394416_-79448674_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="016US001"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE007" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="8X4X8X1X3X" _AccountOpenedDate="2014-06-30" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-19" _AccountStatusType="Open" _AccountType="Open" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="Y" _HighBalanceAmount="828" _LastActivityDate="2015-05-19" _MonthlyPaymentAmount="828" _OriginalCreditorName="T MOBILE" _TermsDescription="M$828" _TermsSourceType="Calculated" _UnpaidBalanceAmount="828" CreditBusinessType="CollectionServices" _OriginalBalanceAmount="000000828" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="Y" IsChargeoffIndicator="N" CollectionDate="2014-06" RawAccountStatus="O" RawAccountType="O" RawIndustryText="CollectionServices" RawIndustryCode="Y" TradelineHashComplex="9e519174777d9c874d3f729e6bc82862" TradelineHashSimple="ecc64f8b5ead9dfe9354e599519ce170" TUI_Handle="TR01_351760624_1680812151_89">
<_CREDITOR _Name="MIDLAND FUND"/>
<_CURRENT_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_HIGHEST_ADVERSE_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_MOST_RECENT_ADVERSE_RATING _Code="9" _Date="2015-05-19" _Type="CollectionOrChargeOff"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="CLA">
<_Text>PLACED FOR COLLECTION</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_351760624_1680812151_89"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="036ET009"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE008" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountClosedDate="2013-02-19" _AccountIdentifier="603539784313" _AccountOpenedDate="2003-10-25" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-21" _AccountStatusType="Closed" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="7300" _HighBalanceAmount="4494" _HighCreditAmount="4494" _LastActivityDate="2015-05-05" _MonthlyPaymentAmount="0" _MonthsReviewedCount="48" _PastDueAmount="0" _UnpaidBalanceAmount="700" CreditBusinessType="Banking" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N" DateClosedIndicator="C" LastPaymentDate="2015-05-05" RawAccountStatus="C" RawAccountType="R" RawIndustryText="BanksAndS&l" RawIndustryCode="B" TradelineHashComplex="39a31addc13b97794a6bae50aea77689" TradelineHashSimple="b2ecc5228881923c13f57f0a16f0bfc5" TUI_Handle="TR01_-1051843644_795095926_82">
<_CREDITOR _Name="THD/CBNA"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-21"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="CBG">
<_Text>ACCOUNT CLOSED BY CREDIT GRANTOR</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-1051843644_795095926_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="026H3005"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE009" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="601853985032" _AccountOpenedDate="2008-01-19" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-03" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="1100" _HighBalanceAmount="830" _HighCreditAmount="830" _LastActivityDate="2015-04-18" _MonthlyPaymentAmount="33" _MonthsReviewedCount="48" _PastDueAmount="0" _TermsDescription="M$33" _TermsSourceType="Provided" _UnpaidBalanceAmount="659" CreditBusinessType="Clothing" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-18" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Clothing" RawIndustryCode="C" TradelineHashComplex="650eddd63cc1f3bbf8cb6b9ed81a24eb" TradelineHashSimple="ba006568b9944fd072f1c1d26928eb4f" TUI_Handle="TR01_726638424_691577271_82">
<_CREDITOR _Name="SYNCB/GAP"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-03"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_726638424_691577271_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235058F"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE010" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="410266635" _AccountOpenedDate="2004-08-25" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-21" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _LastActivityDate="2015-04-07" _MonthlyPaymentAmount="25" _MonthsReviewedCount="48" _PastDueAmount="0" _TermsDescription="M$25" _TermsSourceType="Provided" _UnpaidBalanceAmount="510" CreditBusinessType="DepartmentAndMailOrder" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-07" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Department/varietyAndOtherRetail" RawIndustryCode="D" TradelineHashComplex="de3733101c20490a6b28114e4353347b" TradelineHashSimple="ec40da7d6e6eaf6902636d683fa242d0" TUI_Handle="TR01_1133502585_1093452787_82">
<_CREDITOR _Name="DSNB MACYS"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03-21"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_1133502585_1093452787_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="02A5T001"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE011" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="601855812717" _AccountOpenedDate="2012-08-02" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-02" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="700" _HighBalanceAmount="496" _HighCreditAmount="496" _LastActivityDate="2015-04-18" _MonthlyPaymentAmount="25" _MonthsReviewedCount="28" _PastDueAmount="0" _TermsDescription="M$25" _TermsSourceType="Provided" _UnpaidBalanceAmount="494" CreditBusinessType="Clothing" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-18" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Clothing" RawIndustryCode="C" TradelineHashComplex="c10f304657f05d12c1a7bcc80b6368f1" TradelineHashSimple="a98874e9b526616cca171540b742193d" TUI_Handle="TR01_-1828498011_691577272_82">
<_CREDITOR _Name="SYNCB/OLDNAV"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-02"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-1828498011_691577272_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235058G"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE012" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="604588537670" _AccountOpenedDate="2013-07-04" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-03" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="600" _HighBalanceAmount="602" _HighCreditAmount="602" _LastActivityDate="2015-04-18" _MonthlyPaymentAmount="25" _MonthsReviewedCount="20" _PastDueAmount="0" _TermsDescription="M$25" _TermsSourceType="Provided" _UnpaidBalanceAmount="487" CreditBusinessType="Clothing" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-18" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Clothing" RawIndustryCode="C" TradelineHashComplex="1aae4ba919b3af2e508c6e100d0d9198" TradelineHashSimple="aed2df4911d504c7bdf18a0f755b0fb9" TUI_Handle="TR01_-2073527215_691578146_82">
<_CREDITOR _Name="SYNCB/TJX"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-03"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-2073527215_691578146_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235065M"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE013" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="6X0X9X8X6" _AccountOpenedDate="2009-10-05" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-18" _AccountStatusType="Open" _AccountType="Open" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="Y" _HighBalanceAmount="428" _LastActivityDate="2015-04-18" _MonthlyPaymentAmount="428" _OriginalCreditorName="MEDICAL" _TermsDescription="M$428" _TermsSourceType="Calculated" _UnpaidBalanceAmount="428" CreditBusinessType="CollectionServices" _OriginalBalanceAmount="000000428" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="Y" IsChargeoffIndicator="N" CollectionDate="2009-10" RawAccountStatus="O" RawAccountType="O" RawIndustryText="CollectionServices" RawIndustryCode="Y" TradelineHashComplex="5e3dccb167bf731de0c184c4db653a77" TradelineHashSimple="709f3445316678611afbd2046446bdc9" TUI_Handle="TR01_-2139585747_847827166_89">
<_CREDITOR _Name="NCO FIN /99"/>
<_CURRENT_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_HIGHEST_ADVERSE_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_MOST_RECENT_ADVERSE_RATING _Code="9" _Date="2015-04-18" _Type="CollectionOrChargeOff"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="CLA">
<_Text>PLACED FOR COLLECTION</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-2139585747_847827166_89"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="073CJ001"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE014" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="6X9X9X7X2" _AccountOpenedDate="2010-09-06" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-18" _AccountStatusType="Open" _AccountType="Open" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="Y" _HighBalanceAmount="423" _LastActivityDate="2015-04-18" _MonthlyPaymentAmount="423" _OriginalCreditorName="MEDICAL" _TermsDescription="M$423" _TermsSourceType="Calculated" _UnpaidBalanceAmount="423" CreditBusinessType="CollectionServices" _OriginalBalanceAmount="000000423" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="Y" IsChargeoffIndicator="N" CollectionDate="2010-09" RawAccountStatus="O" RawAccountType="O" RawIndustryText="CollectionServices" RawIndustryCode="Y" TradelineHashComplex="d3bccd7ae9abc7b2a5a8812864f64e11" TradelineHashSimple="a53afa53328c0d732f41c22829af6adf" TUI_Handle="TR01_1552979121_847827166_89">
<_CREDITOR _Name="NCO FIN /99"/>
<_CURRENT_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_HIGHEST_ADVERSE_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_MOST_RECENT_ADVERSE_RATING _Code="9" _Date="2015-04-18" _Type="CollectionOrChargeOff"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="CLA">
<_Text>PLACED FOR COLLECTION</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_1552979121_847827166_89"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="073CJ001"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE015" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="601917090925" _AccountOpenedDate="2008-11-13" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-04" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="1500" _HighBalanceAmount="1535" _HighCreditAmount="1535" _LastActivityDate="2015-04-18" _MonthlyPaymentAmount="25" _MonthsReviewedCount="48" _PastDueAmount="0" _TermsDescription="M$25" _TermsSourceType="Provided" _UnpaidBalanceAmount="417" CreditBusinessType="Finance" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-18" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Finance/personal" RawIndustryCode="F" TradelineHashComplex="f2642d153e7895d5af155a99d333bdf0" TradelineHashSimple="7f9a7511bcb96703dd8d21cba62c5d81" TUI_Handle="TR01_-463954531_-1510300113_82">
<_CREDITOR _Name="SYNCB/PCRICH"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-04"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-463954531_-1510300113_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="09992888"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE016" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="444796985972" _AccountOpenedDate="2014-10-02" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-06" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="400" _HighBalanceAmount="423" _HighCreditAmount="423" _LastActivityDate="2015-05-02" _MonthlyPaymentAmount="25" _MonthsReviewedCount="6" _PastDueAmount="0" _TermsDescription="M$25" _TermsSourceType="Provided" _UnpaidBalanceAmount="358" CreditBusinessType="Banking" CreditLoanType="CreditCard" CreditLoanTypeCode="CC" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-05-02" RawAccountStatus="O" RawAccountType="R" RawIndustryText="BanksAndS&l" RawIndustryCode="B" TradelineHashComplex="a887a3ac27ff1df57ebb05ec67a39399" TradelineHashSimple="def1ef1efbc5a47126b12a0351f0e259" TUI_Handle="TR01_-162624642_-889077474_82">
<_CREDITOR _Name="CREDITONEBNK"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCC" _StartDate="2015-04-06"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-162624642_-889077474_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="054MR013"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE017" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="601917081630" _AccountOpenedDate="2014-06-14" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-30" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="1000" _HighBalanceAmount="558" _HighCreditAmount="558" _LastActivityDate="2015-04-18" _MonthlyPaymentAmount="25" _MonthsReviewedCount="9" _PastDueAmount="0" _TermsDescription="M$25" _TermsSourceType="Provided" _UnpaidBalanceAmount="297" CreditBusinessType="Banking" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-18" RawAccountStatus="O" RawAccountType="R" RawIndustryText="BanksAndS&l" RawIndustryCode="B" TradelineHashComplex="81e72fe389882d4ffd5817c72dc4e441" TradelineHashSimple="0401d29b968ce23490039c7a22cac0a5" TUI_Handle="TR01_-464851118_-1510306907_82">
<_CREDITOR _Name="SYNCB/SLEEPY"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCC" _StartDate="2015-03-30"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-464851118_-1510306907_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="09992163"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE018" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="520115585072" _AccountOpenedDate="2012-07-03" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-26" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="300" _HighBalanceAmount="320" _HighCreditAmount="320" _LastActivityDate="2015-04-07" _MonthlyPaymentAmount="15" _MonthsReviewedCount="32" _PastDueAmount="0" _TermsDescription="M$15" _TermsSourceType="Provided" _UnpaidBalanceAmount="267" CreditBusinessType="Banking" CreditLoanType="CreditCard" CreditLoanTypeCode="CC" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-07" RawAccountStatus="O" RawAccountType="R" RawIndustryText="BanksAndS&l" RawIndustryCode="B" TradelineHashComplex="3efad4a6f44c5014c388773f44df9d34" TradelineHashSimple="13138ba57e6d0edd1a2c8ae77000dc40" TUI_Handle="TR01_246629979_1009623304_82">
<_CREDITOR _Name="HSBC BANK"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03-26"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_246629979_1009623304_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="07991189"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE019" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="504992391815" _AccountOpenedDate="2006-03-31" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-30" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="450" _HighBalanceAmount="444" _HighCreditAmount="444" _LastActivityDate="2015-04-16" _MonthlyPaymentAmount="25" _MonthsReviewedCount="48" _PastDueAmount="0" _TermsDescription="M$25" _TermsSourceType="Provided" _UnpaidBalanceAmount="267" CreditBusinessType="DepartmentAndMailOrder" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-16" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Department/varietyAndOtherRetail" RawIndustryCode="D" TradelineHashComplex="6b6b18f0aa50a6b1d447666f6cd5e1ca" TradelineHashSimple="7f1834bbd9d7a1cbd2b91046064f3caf" TUI_Handle="TR01_-181631830_-81826810_82">
<_CREDITOR _Name="SEARS/CBNA"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03-30"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-181631830_-81826810_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="06256443"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE020" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="702120875159" _AccountOpenedDate="2009-01-09" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-12" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="405" _HighBalanceAmount="1835" _HighCreditAmount="1835" _LastActivityDate="2015-05-01" _MonthlyPaymentAmount="25" _MonthsReviewedCount="48" _PastDueAmount="0" _TermsDescription="M$25" _TermsSourceType="Provided" _UnpaidBalanceAmount="237" CreditBusinessType="Banking" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-05-01" RawAccountStatus="O" RawAccountType="R" RawIndustryText="BanksAndS&l" RawIndustryCode="B" TradelineHashComplex="2cb9db5d853ec24d9de1c62a4b7b0bfe" TradelineHashSimple="7a5a136e817ea7a492f2d99c534356d4" TUI_Handle="TR01_1095927893_-276989913_82">
<_CREDITOR _Name="HSBC/BSTBY"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-12"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="DRG">
<_Text>DISPUTE RESOLVED REPORTED BY GRANTOR</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_1095927893_-276989913_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0109V300"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE021" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="426687479689" _AccountOpenedDate="2009-10-14" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-15" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="200" _HighBalanceAmount="262" _HighCreditAmount="262" _LastActivityDate="2015-05-10" _MonthlyPaymentAmount="32" _MonthsReviewedCount="48" _PastDueAmount="0" _TermsDescription="M$32" _TermsSourceType="Provided" _UnpaidBalanceAmount="228" CreditBusinessType="Banking" CreditLoanType="CreditCard" CreditLoanTypeCode="CC" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-05-10" RawAccountStatus="O" RawAccountType="R" RawIndustryText="BanksAndS&l" RawIndustryCode="B" TradelineHashComplex="2a4773170f02f3d9be2837bf4fef440e" TradelineHashSimple="881b420dec5dd25ecf1a560f5e4e7c13" TUI_Handle="TR01_-448521378_804122595_82">
<_CREDITOR _Name="CHASE"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-15"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-448521378_804122595_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="026QK001"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE022" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="603225924078" _AccountOpenedDate="2011-08-21" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-30" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="300" _HighBalanceAmount="295" _HighCreditAmount="295" _LastActivityDate="2015-04-18" _MonthlyPaymentAmount="25" _MonthsReviewedCount="36" _PastDueAmount="0" _TermsDescription="M$25" _TermsSourceType="Provided" _UnpaidBalanceAmount="221" CreditBusinessType="DepartmentAndMailOrder" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-18" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Department/varietyAndOtherRetail" RawIndustryCode="D" TradelineHashComplex="906242598c58c85836c23ea9f91cd548" TradelineHashSimple="8909898cb1b733cfba426b8c8bbe1bd2" TUI_Handle="TR01_-870590830_691577258_82">
<_CREDITOR _Name="SYNCB/WALMAR"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03-30"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-870590830_691577258_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235057X"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE023" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="6X9X9X7X3" _AccountOpenedDate="2010-09-06" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-18" _AccountStatusType="Open" _AccountType="Open" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="Y" _HighBalanceAmount="201" _LastActivityDate="2015-04-18" _MonthlyPaymentAmount="201" _OriginalCreditorName="MEDICAL" _TermsDescription="M$201" _TermsSourceType="Calculated" _UnpaidBalanceAmount="201" CreditBusinessType="CollectionServices" _OriginalBalanceAmount="000000201" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="Y" IsChargeoffIndicator="N" CollectionDate="2010-09" RawAccountStatus="O" RawAccountType="O" RawIndustryText="CollectionServices" RawIndustryCode="Y" TradelineHashComplex="d3bccd7ae9abc7b2a5a8812864f64e11" TradelineHashSimple="a53afa53328c0d732f41c22829af6adf" TUI_Handle="TR01_1552979122_847827166_89">
<_CREDITOR _Name="NCO FIN /99"/>
<_CURRENT_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_HIGHEST_ADVERSE_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_MOST_RECENT_ADVERSE_RATING _Code="9" _Date="2015-04-18" _Type="CollectionOrChargeOff"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="CLA">
<_Text>PLACED FOR COLLECTION</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_1552979122_847827166_89"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="073CJ001"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE024" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="5X5X4" _AccountOpenedDate="2011-08-04" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-30" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="Y" _CreditLimitAmount="300" _HighBalanceAmount="251" _HighCreditAmount="251" _LastActivityDate="2015-04-08" _MonthlyPaymentAmount="25" _MonthsReviewedCount="44" _PastDueAmount="0" _TermsDescription="M$25" _TermsSourceType="Provided" _UnpaidBalanceAmount="98" CreditBusinessType="Clothing" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-04-08" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Clothing" RawIndustryCode="C" TradelineHashComplex="39312e0e4f1206a22de722582f85951f" TradelineHashSimple="6342e064173e77f0e24e2a0c652a7a1c" TUI_Handle="TR01_51621934_611464418_82">
<_CREDITOR _Name="CB/NY&CO"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_HIGHEST_ADVERSE_RATING _Code="3" _Date="2012-10-01" _Type="Late60Days"/>
<_LATE_COUNT _30Days="01" _60Days="01" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCC21CCCCCCCCCCCCCC" _StartDate="2015-03-30"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_51621934_611464418_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="01NZ8074"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE025" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="604570263265" _AccountOpenedDate="2012-07-16" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-17" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="200" _HighBalanceAmount="213" _HighCreditAmount="213" _LastActivityDate="2015-05-03" _MonthlyPaymentAmount="28" _MonthsReviewedCount="33" _PastDueAmount="0" _TermsDescription="M$28" _TermsSourceType="Provided" _UnpaidBalanceAmount="28" CreditBusinessType="SportingGoods" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2015-05-03" RawAccountStatus="O" RawAccountType="R" RawIndustryText="SportingGoods" RawIndustryCode="S" TradelineHashComplex="76e9e0450bd738951d5d4d53d53fb884" TradelineHashSimple="198d7cbd2cedfbcaa187303539965a0e" TUI_Handle="TR01_1885294966_691578108_82">
<_CREDITOR _Name="SYNCB/MODELL"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-17"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_1885294966_691578108_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235064F"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE026" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountClosedDate="2013-04-30" _AccountIdentifier="4X3X5X6X" _AccountOpenedDate="2012-10-31" _AccountOwnershipType="Individual" _AccountPaidDate="2012-08-10" _AccountReportedDate="2013-04-30" _AccountStatusType="Closed" _AccountType="Open" _ChargeOffDate="2012-10-31" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="Y" _HighBalanceAmount="506" _LastActivityDate="2013-04-30" _MonthlyPaymentAmount="0" _OriginalCreditorName="T MOBILE" _UnpaidBalanceAmount="0" CreditBusinessType="CollectionServices" _OriginalBalanceAmount="000000506" IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="Y" IsChargeoffIndicator="N" DateClosedIndicator="F" CollectionDate="2012-10" RawAccountStatus="C" RawAccountType="O" RawIndustryText="CollectionServices" RawIndustryCode="Y" TradelineHashComplex="8f34b8e90433409f21433589e0c7aee2" TradelineHashSimple="8fb0d681267019d69a5865b86d846d0b" TUI_Handle="TR01_-1529208690_656537981_89">
<_CREDITOR _Name="BUR COL RECO"/>
<_CURRENT_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_HIGHEST_ADVERSE_RATING _Code="9" _Type="CollectionOrChargeOff"/>
<_MOST_RECENT_ADVERSE_RATING _Code="9" _Date="2013-04-30" _Type="CollectionOrChargeOff"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="SET">
<_Text>SETTLED - LESS THAN FULL BALANCE</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-1529208690_656537981_89"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="01PM2001"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE027" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="210115284" _AccountOpenedDate="2008-01-17" _AccountOwnershipType="Individual" _AccountPaidDate="2014-11-08" _AccountReportedDate="2015-04-11" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _LastActivityDate="2014-11-08" _MonthsReviewedCount="48" _PastDueAmount="0" _UnpaidBalanceAmount="0" CreditBusinessType="DepartmentAndMailOrder" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" LastPaymentDate="2014-11-08" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Department/varietyAndOtherRetail" RawIndustryCode="D" TradelineHashComplex="606de2ca95d5fe2aff051dba94a5a25b" TradelineHashSimple="a2ea55892332cccf920041758b1f9d86" TUI_Handle="TR01_420163978_1093452789_82">
<_CREDITOR _Name="DSNB BLOOM"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03-11"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_420163978_1093452789_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="02A5T003"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE028" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountClosedDate="2009-04-07" _AccountIdentifier="540637874570" _AccountOpenedDate="2009-01-12" _AccountOwnershipType="Individual" _AccountReportedDate="2009-04-30" _AccountStatusType="Closed" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="0" _HighBalanceAmount="130" _HighCreditAmount="130" _LastActivityDate="2009-04-07" _MonthlyPaymentAmount="0" _MonthsReviewedCount="2" _PastDueAmount="0" _UnpaidBalanceAmount="0" CreditBusinessType="Banking" CreditLoanType="CreditCard" CreditLoanTypeCode="CC" IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N" DateClosedIndicator="C" RawAccountStatus="C" RawAccountType="R" RawIndustryText="BanksAndS&l" RawIndustryCode="B" TradelineHashComplex="6c7f2d2e4c337dda331322f0894380bd" TradelineHashSimple="1f2a81835243f026bbd9db7c890b2743" TUI_Handle="TR01_1550956514_1009623304_82">
<_CREDITOR _Name="HSBC BANK"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CC" _StartDate="2009-03-30"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="STL">
<_Text>CREDIT CARD LOST OR STOLEN</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_1550956514_1009623304_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="07991189"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE029" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountClosedDate="2010-08-21" _AccountIdentifier="58960359106" _AccountOpenedDate="2006-04-03" _AccountOwnershipType="Individual" _AccountPaidDate="2008-06-26" _AccountReportedDate="2012-08-31" _AccountStatusType="Closed" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="5000" _HighBalanceAmount="2658" _HighCreditAmount="2658" _LastActivityDate="2008-06-26" _MonthlyPaymentAmount="0" _MonthsReviewedCount="48" _PastDueAmount="0" _UnpaidBalanceAmount="0" CreditBusinessType="Banking" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N" DateClosedIndicator="C" LastPaymentDate="2008-06-26" RawAccountStatus="C" RawAccountType="R" RawIndustryText="BanksAndS&l" RawIndustryCode="B" TradelineHashComplex="d2a456f8d41ef1a0937c062b6b926c34" TradelineHashSimple="52cd07e334bcb3cb52afe7819d331814" TUI_Handle="TR01_1969076144_691610916_82">
<_CREDITOR _Name="HSBC/SEAMN"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2012-07-31"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="CLO">
<_Text>CLOSED</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_1969076144_691610916_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235198P"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE030" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountClosedDate="2014-08-22" _AccountIdentifier="601856932444" _AccountOpenedDate="2011-06-24" _AccountOwnershipType="Individual" _AccountPaidDate="2014-11-14" _AccountReportedDate="2015-05-20" _AccountStatusType="Closed" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="160" _HighBalanceAmount="206" _HighCreditAmount="206" _LastActivityDate="2014-11-14" _MonthlyPaymentAmount="0" _MonthsReviewedCount="46" _PastDueAmount="0" _UnpaidBalanceAmount="0" CreditBusinessType="Clothing" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N" DateClosedIndicator="C" LastPaymentDate="2014-11-14" RawAccountStatus="C" RawAccountType="R" RawIndustryText="Clothing" RawIndustryCode="C" TradelineHashComplex="3b3b640783b180af44a65e74ef2c81a6" TradelineHashSimple="542ba357e1cd9259ff0a025a821f23b3" TUI_Handle="TR01_-910520930_691577209_82">
<_CREDITOR _Name="SYNCB/BANANA"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-20"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="CBG">
<_Text>ACCOUNT CLOSED BY CREDIT GRANTOR</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-910520930_691577209_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235056F"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE031" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountIdentifier="601917344197" _AccountOpenedDate="2011-12-04" _AccountOwnershipType="Individual" _AccountReportedDate="2012-01-04" _AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="100" _HighBalanceAmount="0" _HighCreditAmount="0" _PastDueAmount="0" _UnpaidBalanceAmount="0" CreditBusinessType="Finance" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N" RawAccountStatus="O" RawAccountType="R" RawIndustryText="Finance/personal" RawIndustryCode="F" TradelineHashComplex="97ccb697a0e05b2fe435e1b57d8b7b22" TradelineHashSimple="7f9a7511bcb96703dd8d21cba62c5d81" TUI_Handle="TR01_-382572988_-1510307835_82">
<_CREDITOR _Name="SYNCB/CARECR"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-382572988_-1510307835_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0999206T"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE032" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountClosedDate="2008-12-17" _AccountIdentifier="601858555270" _AccountOpenedDate="2008-01-19" _AccountOwnershipType="Individual" _AccountReportedDate="2013-01-03" _AccountStatusType="Closed" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="900" _HighBalanceAmount="606" _HighCreditAmount="606" _LastActivityDate="2008-12-17" _MonthlyPaymentAmount="0" _MonthsReviewedCount="48" _PastDueAmount="0" _UnpaidBalanceAmount="0" CreditBusinessType="Clothing" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N" DateClosedIndicator="C" LastPaymentDate="2008-12-17" RawAccountStatus="C" RawAccountType="R" RawIndustryText="Clothing" RawIndustryCode="C" TradelineHashComplex="4be694898f458f2028592d883d332f5d" TradelineHashSimple="c58360baa504960c2919bf87cda55544" TUI_Handle="TR01_751904410_691577271_82">
<_CREDITOR _Name="SYNCB/GAP"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2012-12-03"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="STL">
<_Text>CREDIT CARD LOST OR STOLEN</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_751904410_691577271_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235058F"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE033" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountClosedDate="2014-11-13" _AccountIdentifier="600883457373" _AccountOpenedDate="2003-12-14" _AccountOwnershipType="Individual" _AccountPaidDate="2014-11-14" _AccountReportedDate="2015-04-25" _AccountStatusType="Closed" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="3300" _HighBalanceAmount="3622" _HighCreditAmount="3622" _LastActivityDate="2014-11-14" _MonthlyPaymentAmount="0" _MonthsReviewedCount="48" _PastDueAmount="0" _UnpaidBalanceAmount="0" CreditBusinessType="DepartmentAndMailOrder" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N" DateClosedIndicator="C" LastPaymentDate="2014-11-14" RawAccountStatus="C" RawAccountType="R" RawIndustryText="Department/varietyAndOtherRetail" RawIndustryCode="D" TradelineHashComplex="fc143159d6eb7d6964d376979ce80581" TradelineHashSimple="0abc3d9f8372ed63ed89a50fd057edc2" TUI_Handle="TR01_1710761910_691577269_82">
<_CREDITOR _Name="SYNCB/JCP"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03-25"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="STL">
<_Text>CREDIT CARD LOST OR STOLEN</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_1710761910_691577269_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235058D"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE034" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountClosedDate="2014-11-25" _AccountIdentifier="601855287419" _AccountOpenedDate="2012-08-02" _AccountOwnershipType="Individual" _AccountReportedDate="2015-05-02" _AccountStatusType="Closed" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="500" _HighBalanceAmount="464" _HighCreditAmount="464" _LastActivityDate="2014-11-24" _MonthlyPaymentAmount="0" _MonthsReviewedCount="32" _PastDueAmount="0" _UnpaidBalanceAmount="0" CreditBusinessType="Clothing" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N" DateClosedIndicator="C" LastPaymentDate="2014-11-24" RawAccountStatus="C" RawAccountType="R" RawIndustryText="Clothing" RawIndustryCode="C" TradelineHashComplex="c10f304657f05d12c1a7bcc80b6368f1" TradelineHashSimple="a98874e9b526616cca171540b742193d" TUI_Handle="TR01_-1993662196_691577272_82">
<_CREDITOR _Name="SYNCB/OLDNAV"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-04-02"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="STL">
<_Text>CREDIT CARD LOST OR STOLEN</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_-1993662196_691577272_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235058G"/>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY CreditLiabilityID="TRADE035" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountClosedDate="2014-03-18" _AccountIdentifier="603222809761" _AccountOpenedDate="2011-08-21" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04-30" _AccountStatusType="Closed" _AccountType="Revolving" _ConsumerDisputeIndicator="N" _DerogatoryDataIndicator="N" _CreditLimitAmount="100" _HighBalanceAmount="58" _HighCreditAmount="58" _LastActivityDate="2012-06-13" _MonthlyPaymentAmount="0" _MonthsReviewedCount="43" _PastDueAmount="0" _UnpaidBalanceAmount="0" CreditBusinessType="DepartmentAndMailOrder" CreditLoanType="ChargeAccount" CreditLoanTypeCode="CH" IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N" DateClosedIndicator="C" LastPaymentDate="2012-06-13" RawAccountStatus="C" RawAccountType="R" RawIndustryText="Department/varietyAndOtherRetail" RawIndustryCode="D" TradelineHashComplex="f00f37b2d1157e8778ec53ce86b25b58" TradelineHashSimple="1d04ac0769883c5701c0037d1a5ebd3e" TUI_Handle="TR01_731544874_691577258_82">
<_CREDITOR _Name="SYNCB/WALMAR"/>
<_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
<_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03-30"/>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="BureauRemarks" _Code="STL">
<_Text>CREDIT CARD LOST OR STOLEN</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="TR01_731544874_691577258_82"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="0235057X"/>
</CREDIT_LIABILITY>
<CREDIT_PUBLIC_RECORD CreditPublicRecordID="PUBREC001" BorrowerID="Borrower01" CreditFileID="TA01" CreditTradeReferenceID="Primary" _AccountOwnershipType="Individual" _CourtName="CIRCUIT COURT" _DispositionDate="" _DispositionType="Unknown" _DocketIdentifier="5X8X9X7" _ConsumerDisputeIndicator="N" _FiledDate="2011-02-18" _LegalObligationAmount="5600" _PlaintiffName="PLAINTIFF X" _Type="Other" _TypeOtherDescription="CivilJudgment" CreditBusinessType="MISCELLANEOUS" PubrecHashComplex="689c890a6060931c725e6a523d0476ef" PubrecHashSimple="d2fc1b291290a47e8b09c10fbdd4af2e" TUI_Handle="PR01_-1928150827_-1686132821">
<CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle" _Code="PR01_-1928150827_-1686132821"/>
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="04841309"/>
</CREDIT_PUBLIC_RECORD>
<CREDIT_INQUIRY CreditInquiryID="INQUIRY001" BorrowerID="Borrower01" CreditFileID="TA01" _Name="CREDCO" _Date="2015-03-20" CreditBusinessType="Finance" RawIndustryText="Finance/personal" RawIndustryCode="F" _PurposeType="HARD" InquiryHashComplex="ffe4e11e6aad17b436488e8cbc4385dc" InquiryHashSimple="ce89b29d1ccf5b09a4d54f0083c41fa3">
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="01207005"/>
</CREDIT_INQUIRY>
<CREDIT_INQUIRY CreditInquiryID="INQUIRY002" BorrowerID="Borrower01" CreditFileID="TA01" _Name="AMEX" _Date="2014-10-16" CreditBusinessType="Banking" RawIndustryText="BanksAndS&l" RawIndustryCode="B" _PurposeType="HARD" InquiryHashComplex="db1efc909ce6c70ae1345dc8404b707f" InquiryHashSimple="f1af032250c43bd17ac8e9d24ef1f410">
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="03236957"/>
</CREDIT_INQUIRY>
<CREDIT_INQUIRY CreditInquiryID="INQUIRY003" BorrowerID="Borrower01" CreditFileID="TA01" _Name="1ST NATL BK" _Date="2014-09-01" CreditBusinessType="Banking" RawIndustryText="BanksAndS&l" RawIndustryCode="B" _PurposeType="HARD" InquiryHashComplex="4c94c83850abe6d550e7f8167066609d" InquiryHashSimple="6d5fb42167556acb953e746fce6d1132">
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="00002061"/>
</CREDIT_INQUIRY>
<CREDIT_INQUIRY CreditInquiryID="INQUIRY004" BorrowerID="Borrower01" CreditFileID="TA01" _Name="WFFNATBANK" _Date="2014-03-08" CreditBusinessType="HomeFurnishing" RawIndustryText="Home/officeFurnishings" RawIndustryCode="H" _PurposeType="HARD" InquiryHashComplex="dfe573d83dad90a32234902178c2155f" InquiryHashSimple="ea5cb2b76c44f73aff52bd7600c25b27">
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="02693338"/>
</CREDIT_INQUIRY>
<CREDIT_INQUIRY CreditInquiryID="INQUIRY005" BorrowerID="Borrower01" CreditFileID="TA01" _Name="T-MOBILE" _Date="2013-08-06" CreditBusinessType="UtilitiesAndFuel" RawIndustryText="UtilitiesAndFuel" RawIndustryCode="U" _PurposeType="HARD" InquiryHashComplex="c68ea9cb8b4d78db774c0f5cbeedd790" InquiryHashSimple="6c3fcbb2d070e6d13a0f856ef60561fa">
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="03747126"/>
</CREDIT_INQUIRY>
<CREDIT_INQUIRY CreditInquiryID="INQUIRY006" BorrowerID="Borrower01" CreditFileID="TA01" _Name="CHASE CARD" _Date="2013-07-17" CreditBusinessType="Banking" RawIndustryText="BanksAndS&l" RawIndustryCode="B" _PurposeType="HARD" InquiryHashComplex="3047d030bf665a74cc098e74e3922f53" InquiryHashSimple="cf6ed764d006544ec9c17355f7867101">
<CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="00006675"/>
</CREDIT_INQUIRY>
<CREDIT_FILE CreditFileID="TA01" BorrowerID="Borrower01" CreditScoreID="SCORE001" CreditRepositorySourceType="TransUnion" _InfileDate="2015-06-09" _ResultStatusType="FileReturned">
<_ALERT_MESSAGE _CategoryType="FACTARiskScoreValue" _Type="Other" _TypeOtherDescription="Facta Fifth Reason Code" _Code="I">
<_Text>THE NUMBER OF INQUIRIES HAS ADVERSELY AFFECTED THE CREDIT SCORE</_Text>
</_ALERT_MESSAGE>
<_BORROWER _UnparsedName="STEPHANIE G LAND" _BirthDate="1968-01-01" _FirstName="STEPHANIE" _MiddleName="G" _LastName="LAND" _SSN="XXXXXXXXX">
<_ALIAS _UnparsedName="SHAVER,STEPHANIE,G" _FirstName="STEPHANIE" _MiddleName="G" _LastName="SHAVER"/>
<_RESIDENCE BorrowerResidencyType="Current" _StreetAddress="338 E 100TH ST APT 1B" _City="NEW YORK" _State="NY" _PostalCode="10029" BorrowerResidencyDurationYears="6" BorrowerResidencyDurationMonths="11" _DateReported="2008-07-17"/>
<_RESIDENCE BorrowerResidencyType="Prior" _StreetAddress="23 E 109TH ST" _City="NEW YORK" _State="NY" _PostalCode="10029" BorrowerResidencyDurationYears="5" BorrowerResidencyDurationMonths="6" _DateReported="2009-12-18"/>
<_RESIDENCE BorrowerResidencyType="Prior" _StreetAddress="3 RR 3 BOX 176" _City="KUNKLETOWN" _State="PA" _PostalCode="18058"/>
<EMPLOYER _Name="EMPLOYER X" EmploymentCurrentIndicator="Y" EmploymentPositionDescription="MANAGAER" EmploymentReportedDate="2012-01-16"/>
</_BORROWER>
<_VARIATION _Type="DifferentName"/>
</CREDIT_FILE>
<CREDIT_SCORE CreditScoreID="SCORE001" BorrowerID="Borrower01" CreditFileID="TA01" _Date="2015-06-09" CreditReportIdentifier="2-stephanie-land-19680" _FACTAInquiriesIndicator="Y" RiskBasedPricingPercent="13" RiskBasedPricingMin="560" RiskBasedPricingMax="565" _ModelNameType="Other" _ModelNameTypeOtherDescription="TransUnionVantageScore3.0" _Value="562" CreditRepositorySourceType="TransUnion">
<_FACTOR _Code="12" _Text="The date that you opened your oldest account is too recent"/>
<_FACTOR _Code="95" _Text="You have too many collection agency accounts that are unpaid"/>
<_FACTOR _Code="63" _Text="Lack of sufficient relevant real estate account information"/>
<_FACTOR _Code="83" _Text="Lack of sufficient relevant installment account information"/>
<_FACTOR _Code="I" _Text="Inquiries did impact the credit score"/>
</CREDIT_SCORE>
<CREDIT_SUMMARY BorrowerID="Borrower01" _Name="Attributes">
<_DATA_SET _Name="Number of tradelines" _ID="AP001" _Value="35"/>
<_DATA_SET _Name="Average age of open tradelines" _ID="AP002" _Value="55"/>
<_DATA_SET _Name="Average age of open tradelines; exclude auth user and joint ecoa" _ID="AP003" _Value="55"/>
<_DATA_SET _Name="Number of hard inquiries" _ID="AP004" _Value="6"/>
<_DATA_SET _Name="Number of payments" _ID="AP005" _Value="1036"/>
<_DATA_SET _Name="Revolving utilization on open credit cards" _ID="AP006" _Value="64"/>
<_DATA_SET _Name="Total occurrences of minor delinqs" _ID="AP007" _Value="2"/>
<_DATA_SET _Name="Total number of major derogatory tradelines" _ID="AP008" _Value="6"/>
<_DATA_SET _Name="Total number of major derogatory tradelines calculated by TU" _ID="AP008_RAW" _Value="6"/>
<_DATA_SET _Name="AT01S:Number of trades" _ID="AT01S" _Value="35"/>
<_DATA_SET _Name="AT02S:Number of open trades" _ID="AT02S" _Value="25"/>
<_DATA_SET _Name="AT06S:Number of trades opened in past 6 months" _ID="AT06S" _Value="1"/>
<_DATA_SET _Name="AT09S:Number of trades opened in past 24 months" _ID="AT09S" _Value="6"/>
<_DATA_SET _Name="AT20S:Months since oldest trade opened" _ID="AT20S" _Value="140"/>
<_DATA_SET _Name="AT28A:Total credit line of open trades verified in past 12 months" _ID="AT28A" _Value="20707"/>
<_DATA_SET _Name="AT28B:Total credit line of open trades verified in past 12 months (excl mort and home equity)" _ID="AT28B" _Value="20707"/>
<_DATA_SET _Name="AT33A:Total balance of open trades verified in past 12 months" _ID="AT33A" _Value="14400"/>
<_DATA_SET _Name="AT33B:Total balance of open trades verified in past 12 months (excl mort and home equity)" _ID="AT33B" _Value="14400"/>
<_DATA_SET _Name="AT34A:Utilization for open trades verified in past 12 months" _ID="AT34A" _Value="70"/>
<_DATA_SET _Name="AT34B:Utilization for open trades verified in past 12 months (excl mort and home equity)" _ID="AT34B" _Value="70"/>
<_DATA_SET _Name="AT36S:Months since most recent delinquency" _ID="AT36S" _Value="31"/>
<_DATA_SET _Name="AT57S:Total past due amount of open trades verified in past 12 months" _ID="AT57S" _Value="0"/>
<_DATA_SET _Name="AT103S:Percentage of satisfactory open trades to all open trades" _ID="AT103S" _Value="80"/>
<_DATA_SET _Name="AT104S:Percentage of all trades opened in past 24 months to all trades" _ID="AT104S" _Value="20"/>
<_DATA_SET _Name="ATAP01:Total scheduled monthly payment for all trades verified in past 12 months" _ID="ATAP01" _Value="3588"/>
<_DATA_SET _Name="AU28S:Total credit line of open auto trades verified in past 12 months" _ID="AU28S" _Value="0"/>
<_DATA_SET _Name="AU33S:Total balance of open auto trades verified in past 12 months" _ID="AU33S" _Value="0"/>
<_DATA_SET _Name="AU34S:Utilization for open auto trades verified in past 12 months" _ID="AU34S" _Value="N/A"/>
<_DATA_SET _Name="AU57S:Total past due amount of open auto trades verified in past 12 months" _ID="AU57S" _Value="N/A"/>
<_DATA_SET _Name="BC02S:Number of open credit card trades" _ID="BC02S" _Value="3"/>
<_DATA_SET _Name="BC06S:Number of credit card trades opened in past 6 months" _ID="BC06S" _Value="0"/>
<_DATA_SET _Name="BC102S:Average credit line of open credit card trades verified in past 12 months" _ID="BC102S" _Value="300"/>
<_DATA_SET _Name="BC12S:Number of open credit card trades verified in past 12 months" _ID="BC12S" _Value="3"/>
<_DATA_SET _Name="BC20S:Months since oldest credit card trade opened" _ID="BC20S" _Value="68"/>
<_DATA_SET _Name="BC28S:Total credit line of open credit card trades verified in past 12 months" _ID="BC28S" _Value="900"/>
<_DATA_SET _Name="BC30S:Percentage of open credit card trades > 50% of credit line verified in past 12 months" _ID="BC30S" _Value="75"/>
<_DATA_SET _Name="BC31S:Percentage of open credit card trades > 75% of credit line verified in past 12 months" _ID="BC31S" _Value="75"/>
<_DATA_SET _Name="BC33S:Total balance of open credit card trades verified in past 12 months" _ID="BC33S" _Value="853"/>
<_DATA_SET _Name="BC34S:Utilization for open credit card trades verified in past 12 months" _ID="BC34S" _Value="95"/>
<_DATA_SET _Name="BC57S:Total past due amount of open credit card trades verified in past 12 months" _ID="BC57S" _Value="0"/>
<_DATA_SET _Name="CO04S:Months since most recent charged-off trade was first reported" _ID="CO04S" _Value="32"/>
<_DATA_SET _Name="FC04S:Months since most recent foreclosure trade was first reported" _ID="FC04S" _Value="N/A"/>
<_DATA_SET _Name="G020S:Number of trades with maximum delinquency of 30 days past due in past 24 months" _ID="G020S" _Value="0"/>
<_DATA_SET _Name="G051S:Percentage of trades ever delinquent" _ID="G051S" _Value="23"/>
<_DATA_SET _Name="G093S:Number of public records" _ID="G093S" _Value="1"/>
<_DATA_SET _Name="G094S:Number of public record bankruptcies" _ID="G094S" _Value="0"/>
<_DATA_SET _Name="G095S:Months since most recent public record" _ID="G095S" _Value="52"/>
<_DATA_SET _Name="G103S:Months since most recent credit inquiry" _ID="G103S" _Value="3"/>
<_DATA_SET _Name="G202A:Total open to buy of open trades verified in past 12 months (excl installs and morts)" _ID="G202A" _Value="6307"/>
<_DATA_SET _Name="G215B:Number of non-medical third party collections with balance > $0" _ID="G215B" _Value="2"/>
<_DATA_SET _Name="G217S:Total past due amount of all trades verified in past 12 months" _ID="G217S" _Value="0"/>
<_DATA_SET _Name="G218B:Number of trades verified in the past 12 months that are currently 30+ DPD" _ID="G218B" _Value="0"/>
<_DATA_SET _Name="G224A:Number of 90 days past due or worse items ever (excluding medical colls)" _ID="G224A" _Value="3"/>
<_DATA_SET _Name="G238S:Number of credit inquiries in past 12 months (excl coll inqs)" _ID="G238S" _Value="3"/>
<_DATA_SET _Name="G244S:Number of inquiries (includes duplicates) in past 12 months" _ID="G244S" _Value="3"/>
<_DATA_SET _Name="G250A:Number of 30 DPD or worse items ever (excluding medical colls)" _ID="G250A" _Value="4"/>
<_DATA_SET _Name="G250B:Number of 30 DPD or worse items in the past 12 months (excluding medical colls)" _ID="G250B" _Value="2"/>
<_DATA_SET _Name="G250C:Number of 30 DPD or worse items in the past 24 months (excluding medical colls)" _ID="G250C" _Value="2"/>
<_DATA_SET _Name="G251A:Number of 60 DPD or worse items ever (excluding medical colls)" _ID="G251A" _Value="4"/>
<_DATA_SET _Name="G302S:Worst rating on revolving trades in past 12 months" _ID="G302S" _Value="N/A"/>
<_DATA_SET _Name="G304S:Worst rating on installment trades in past 12 months" _ID="G304S" _Value="9"/>
<_DATA_SET _Name="G310S:Worst rating on all trades in past 12 months" _ID="G310S" _Value="9"/>
<_DATA_SET _Name="GB311:Indicates if bankruptcies have been filed" _ID="GB311" _Value="0"/>
<_DATA_SET _Name="HI57S:Total past due amount of open home equity loan trades verified in past 12 months" _ID="HI57S" _Value="N/A"/>
<_DATA_SET _Name="HR57S:Total past due amount of open HELOC trades verified in past 12 months" _ID="HR57S" _Value="N/A"/>
<_DATA_SET _Name="IN02S:Number of open installment trades" _ID="IN02S" _Value="5"/>
<_DATA_SET _Name="IN06S:Number of installment trades opened in past 6 months" _ID="IN06S" _Value="1"/>
<_DATA_SET _Name="IN28S:Total credit line of open installment trades verified in past 12 months" _ID="IN28S" _Value="2912"/>
<_DATA_SET _Name="IN33S:Total balance of open installment trades verified in past 12 months" _ID="IN33S" _Value="2912"/>
<_DATA_SET _Name="IN34S:Utilization for open installment trades verified in past 12 months" _ID="IN34S" _Value="100"/>
<_DATA_SET _Name="IN36S:Months since most recent installment delinquency" _ID="IN36S" _Value="1"/>
<_DATA_SET _Name="IN57S:Total past due amount of open installment trades verified in past 12 months" _ID="IN57S" _Value="0"/>
<_DATA_SET _Name="MT02S:Number of open mortgage trades" _ID="MT02S" _Value="0"/>
<_DATA_SET _Name="MT06S:Number of mortgage trades opened in past 6 months" _ID="MT06S" _Value="0"/>
<_DATA_SET _Name="MT28S:Total credit line of open mortgage trades verified in past 12 months" _ID="MT28S" _Value="0"/>
<_DATA_SET _Name="MT33S:Total balance of open mortgage trades verified in past 12 months" _ID="MT33S" _Value="0"/>
<_DATA_SET _Name="MT34S:Utilization for open mortgage trades verified in past 12 months" _ID="MT34S" _Value="N/A"/>
<_DATA_SET _Name="MT36S:Months since most recent mortgage delinquency" _ID="MT36S" _Value="N/A"/>
<_DATA_SET _Name="MT57S:Total past due amount of open mortgage trades verified in past 12 months" _ID="MT57S" _Value="N/A"/>
<_DATA_SET _Name="RE02S:Number of open revolving trades" _ID="RE02S" _Value="20"/>
<_DATA_SET _Name="RE06S:Number of revolving trades opened in past 6 months" _ID="RE06S" _Value="0"/>
<_DATA_SET _Name="RE12S:Number of open revolving trades verified in past 12 months" _ID="RE12S" _Value="19"/>
<_DATA_SET _Name="RE20S:Months since oldest revolving trade opened" _ID="RE20S" _Value="140"/>
<_DATA_SET _Name="RE21S:Months since most recent revolving trade opened" _ID="RE21S" _Value="8"/>
<_DATA_SET _Name="RE28S:Total credit line of open revolving trades verified in past 12 months" _ID="RE28S" _Value="17795"/>
<_DATA_SET _Name="RE30S:Percentage of open revolving trades > 50% of credit line verified in past 12 months" _ID="RE30S" _Value="58"/>
<_DATA_SET _Name="RE31S:Percentage of open revolving trades > 75% of credit line verified in past 12 months" _ID="RE31S" _Value="29"/>
<_DATA_SET _Name="RE33S:Total balance of open revolving trades verified in past 12 months" _ID="RE33S" _Value="11488"/>
<_DATA_SET _Name="RE34S:Utilization for open revolving trades verified in past 12 months" _ID="RE34S" _Value="65"/>
<_DATA_SET _Name="RE34T:Utilization for all bureau open revolving trades verified in past 12 months" _ID="RE34T" _Value="65"/>
<_DATA_SET _Name="RE36S:Months since most recent revolving delinquency" _ID="RE36S" _Value="31"/>
<_DATA_SET _Name="RE57S:Total past due amount of open revolving trades verified in past 12 months" _ID="RE57S" _Value="0"/>
<_DATA_SET _Name="RE102S:Average credit line of open revolving trades verified in past 12 months" _ID="RE102S" _Value="937"/>
<_DATA_SET _Name="RP04S:Months since most recent repossession trade was first reported" _ID="RP04S" _Value="N/A"/>
<_DATA_SET _Name="S004S:Average number of months trades have been on file" _ID="S004S" _Value="53"/>
<_DATA_SET _Name="S043S:Number of open trades > 50% of credit line verified in 12 mons (excl installs and morts)" _ID="S043S" _Value="58"/>
<_DATA_SET _Name="S061S:Months since most recent 60 or more days past due" _ID="S061S" _Value="31"/>
<_DATA_SET _Name="S062S:Months since most recent 90 or more days past due" _ID="S062S" _Value="N/A"/>
<_DATA_SET _Name="S068A:Number of third party collections" _ID="S068A" _Value="6"/>
<_DATA_SET _Name="S114S:Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)" _ID="S114S" _Value="1"/>
<_DATA_SET _Name="S204A:Total balance of non-medical third party collections verified in past 12 months" _ID="S204A" _Value="1860"/>
<_DATA_SET _Name="S207A:Months since most recent tradeline bankruptcy" _ID="S207A" _Value="N/A"/>
<_DATA_SET _Name="S207S:Months since most recent public record bankruptcy" _ID="S207S" _Value="N/A"/>
<_DATA_SET _Name="S209A:Months since most recent non-medical third party collection" _ID="S209A" _Value="5"/>
<_DATA_SET _Name="ST28S:Total credit line of open student loan trades verified in past 12 months" _ID="ST28S" _Value="0"/>
<_DATA_SET _Name="ST33S:Total balance of open student loan trades verified in past 12 months" _ID="ST33S" _Value="0"/>
<_DATA_SET _Name="ST34S:Utilization for open student loan trades verified in past 12 months" _ID="ST34S" _Value="N/A"/>
<_DATA_SET _Name="ST57S:Total past due amount of open student loan trades verified in past 12 months" _ID="ST57S" _Value="N/A"/>
<_DATA_SET _Name="PT014:Total Scheduled Monthly Payment" _ID="PT014" _Value="3588"/>
<_DATA_SET _Name="PT016:Utilization on revolving trades" _ID="PT016" _Value="64"/>
<_DATA_SET _Name="PT017:Total balance on open revolving trades" _ID="PT017" _Value="11488"/>
<_DATA_SET _Name="PT019:Total Mortgage Monthly Payment" _ID="PT019" _Value="-5"/>
<_DATA_SET _Name="PT020:Total balance on open Mortgages" _ID="PT020" _Value="-5"/>
<_DATA_SET _Name="PT021:Total Monthly Automobile Payment" _ID="PT021" _Value="-5"/>
<_DATA_SET _Name="PT022:Date of oldest trade" _ID="PT022" _Value="102003"/>
<_DATA_SET _Name="PT023:Months since infile created at bureau" _ID="PT023" _Value="169"/>
<_DATA_SET _Name="PT027:Total occurrances of delinquencies in past 12 months" _ID="PT027" _Value="0"/>
<_DATA_SET _Name="PT038:Number of Inquiries in past 6 months" _ID="PT038" _Value="1"/>
<_DATA_SET _Name="PT054:Total Credit Limit/High Credit on open tradelines" _ID="PT054" _Value="20807"/>
<_DATA_SET _Name="PT056:Total balance on all tradelines" _ID="PT056" _Value="16577"/>
<_DATA_SET _Name="PT063:Number of currently delinquent tradelines" _ID="PT063" _Value="0"/>
<_DATA_SET _Name="PT064:Number of currently delinquent revolving tradelines" _ID="PT064" _Value="0"/>
<_DATA_SET _Name="PT065:Number of currently delinquent installment tradelines" _ID="PT065" _Value="0"/>
<_DATA_SET _Name="PT068:Average balance on open tradelines" _ID="PT068" _Value="576"/>
<_DATA_SET _Name="PT069:Number of Chargeoffs in past 12 months" _ID="PT069" _Value="0"/>
<_DATA_SET _Name="PT071:Total occurrances of delinquencies in the past 2 years" _ID="PT071" _Value="0"/>
<_DATA_SET _Name="PT072:Total occurrances of delinquencies in the past 30 days" _ID="PT072" _Value="0"/>
<_DATA_SET _Name="PT073:Total occurrances of delinquencies in the past 60 days" _ID="PT073" _Value="0"/>
<_DATA_SET _Name="PT074:Total occurrances of delinquencies in the past 7 years" _ID="PT074" _Value="2"/>
<_DATA_SET _Name="PT076:Date of oldest trade" _ID="PT076" _Value="102003"/>
<_DATA_SET _Name="PT079:Number of months since oldest installment tradeline opened" _ID="PT079" _Value="68"/>
<_DATA_SET _Name="PT080:Number of months since oldest revolving tradeline opened" _ID="PT080" _Value="140"/>
<_DATA_SET _Name="PT082:Number of months since most recent tradeline opened" _ID="PT082" _Value="5"/>
<_DATA_SET _Name="PT083:Number of mortgage trades" _ID="PT083" _Value="0"/>
<_DATA_SET _Name="PT088:Number of months since 90+ late or worse derogatory" _ID="PT088" _Value="1"/>
<_DATA_SET _Name="PT089:Number of tradelines reported in past 2 months and currently 120 days past due" _ID="PT089" _Value="0"/>
<_DATA_SET _Name="PT090:Number of tradelines currently 30 days past due" _ID="PT090" _Value="0"/>
<_DATA_SET _Name="PT091:Number of tradelines 90+ days past due in past 24 months" _ID="PT091" _Value="0"/>
<_DATA_SET _Name="PT092:Number of tradelines opened in past 12 months" _ID="PT092" _Value="4"/>
<_DATA_SET _Name="PT093:Percentage of tradelines never delinquent" _ID="PT093" _Value="97"/>
<_DATA_SET _Name="PT094:Number of tradelines ever 120 days past due" _ID="PT094" _Value="0"/>
<_DATA_SET _Name="PT095:Number of months since oldest bank installment tradeline" _ID="PT095" _Value="68"/>
<_DATA_SET _Name="PT103:Total credit limit/high credit on open installment tradelines" _ID="PT103" _Value="2912"/>
<_DATA_SET _Name="PT104:Number of currently satisfactory tradelines" _ID="PT104" _Value="24"/>
<_DATA_SET _Name="PT105:Number of revolving tradelines" _ID="PT105" _Value="24"/>
<_DATA_SET _Name="PT110:Number of revolving tradelines opened in past 7 years" _ID="PT110" _Value="17"/>
<_DATA_SET _Name="PT111:Total credit limit/high credit on open revolving tradelines" _ID="PT111" _Value="17895"/>
<_DATA_SET _Name="PT112:Total available credit on open bankcard tradelines verified in the last 6 mons" _ID="PT112" _Value="47"/>
<_DATA_SET _Name="PT115:Percent of bankcard tradelines gt 75% of credit limit" _ID="PT115" _Value="75"/>
<_DATA_SET _Name="PT118:Total credit limit/high credit on open bankcard tradelines" _ID="PT118" _Value="900"/>
<_DATA_SET _Name="PT119:Number of bankcard tradelines" _ID="PT119" _Value="4"/>
<_DATA_SET _Name="PT120:Number of months since most recent bankcard tradeline opened" _ID="PT120" _Value="8"/>
<_DATA_SET _Name="PT121:Number of bankcard tradelines opened in the past 6 months" _ID="PT121" _Value="0"/>
<_DATA_SET _Name="PT122:Number of bankcard tradelines never delinquent" _ID="PT122" _Value="4"/>
<_DATA_SET _Name="PT125:Number of months since most recent bankcard delinquency" _ID="PT125" _Value="N/A"/>
<_DATA_SET _Name="PT126:Percent utilization on bankcard tradelines" _ID="PT126" _Value="60"/>
<_DATA_SET _Name="PT129:Number of Public Records with amount gt 100" _ID="PT129" _Value="0"/>
<_DATA_SET _Name="PT130:Number of Tax Liens" _ID="PT130" _Value="0"/>
<_DATA_SET _Name="PT132:Total amount on Collections" _ID="PT132" _Value="2912"/>
<_DATA_SET _Name="PT133:Number of repossessions" _ID="PT133" _Value="0"/>
<_DATA_SET _Name="PT134:Number of foreclosures" _ID="PT134" _Value="0"/>
<_DATA_SET _Name="PT136:Number of Collections/Chargeoffs in past 24 months; excluding medical" _ID="PT136" _Value="2"/>
<_DATA_SET _Name="PT137:Total amount on Collections in past 36 months; excluding medical" _ID="PT137" _Value="3"/>
<_DATA_SET _Name="PT138:Number of tradelines active within the past 6 months" _ID="PT138" _Value="25"/>
<_DATA_SET _Name="PT139:Number of mortgage tradelines opened in past 6 months" _ID="PT139" _Value="-5"/>
<_DATA_SET _Name="PT140:Number of open installment tradelines opened within the past 24 months" _ID="PT140" _Value="2"/>
<_DATA_SET _Name="PT141:Total occurrances of 30 days late within the past 12 months on Mortgage trades" _ID="PT141" _Value="-5"/>
<_DATA_SET _Name="PT142:Number of mortgages passed due 30 days or more in the last 6 months" _ID="PT142" _Value="-5"/>
<_DATA_SET _Name="PT143:Total occurrances of 30 days late within the past 12 months" _ID="PT143" _Value="0"/>
<_DATA_SET _Name="PT144:Number of collections with amount gt 500" _ID="PT144" _Value="2"/>
<_DATA_SET _Name="PT145:Total balance on unsecured credit card tradelines" _ID="PT145" _Value="13665"/>
<_DATA_SET _Name="PT146:Total balance on unsecured tradelines" _ID="PT146" _Value="16577"/>
<_DATA_SET _Name="PT147:Total amount on Tax Liens filed within the past 36 months" _ID="PT147" _Value="0"/>
<_DATA_SET _Name="PT148:Total amount on Judgements filed within the past 36 months" _ID="PT148" _Value="0"/>
<_DATA_SET _Name="PT149:Number of Public Records filed in past 24 months" _ID="PT149" _Value="0"/>
<_DATA_SET _Name="PT150:Number of non-federal Student Loan tradelines" _ID="PT150" _Value="0"/>
<_DATA_SET _Name="PT151:Number of repossessed auto loan tradelines" _ID="PT151" _Value="-5"/>
<_DATA_SET _Name="PT153:Percent utilization on installment tradelines" _ID="PT153" _Value="85"/>
<_DATA_SET _Name="PT154:Number of revolving tradelines with balance gt 0" _ID="PT154" _Value="20"/>
<_DATA_SET _Name="PT155:Number of installment tradelines opened in past 12 months" _ID="PT155" _Value="2"/>
<_DATA_SET _Name="PT157:Number of revolving tradelines opened in past 12 months" _ID="PT157" _Value="2"/>
<_DATA_SET _Name="PT158:Number of revolving tradelines opened in past 24 months" _ID="PT158" _Value="4"/>
<_DATA_SET _Name="PT159:Number of credit union tradelines" _ID="PT159" _Value="0"/>
<_DATA_SET _Name="PT160:Percent utilization on all open tradelines" _ID="PT160" _Value="69"/>
<_DATA_SET _Name="PT162:Maximum balance on revolving tradelines" _ID="PT162" _Value="3011"/>
<_DATA_SET _Name="PT163:Number months since more recent installment tradeline opened" _ID="PT163" _Value="5"/>
<_DATA_SET _Name="PT165:Number of auto tradelines 30 days past due in past 6 months" _ID="PT165" _Value="-5"/>
<_DATA_SET _Name="PT166:Number of auto tradelines opened in past 6 months" _ID="PT166" _Value="-5"/>
<_DATA_SET _Name="PT167:Number of retail tradelines opened in past 6 months" _ID="PT167" _Value="0"/>
<_DATA_SET _Name="PT168:Number of student loans opened in past 12 months" _ID="PT168" _Value="-5"/>
<_DATA_SET _Name="PT174:Total amount on Collections; excluding medical" _ID="PT174" _Value="1860"/>
<_DATA_SET _Name="PT175:Total amount on Tax Liens" _ID="PT175" _Value="0"/>
<_DATA_SET _Name="PT176:Total amount on Judgements" _ID="PT176" _Value="5600"/>
<_DATA_SET _Name="PT177:Total credit limit on open credit card trades" _ID="PT177" _Value="17895"/>
<_DATA_SET _Name="PT178:Total credit limit on open retail trades" _ID="PT178" _Value="16995"/>
<_DATA_SET _Name="PT179:Total balance on open credit card trades" _ID="PT179" _Value="11488"/>
<_DATA_SET _Name="PT180:Total balance on open retail trades" _ID="PT180" _Value="10635"/>
<_DATA_SET _Name="PT181:Age of oldest trade in months" _ID="PT181" _Value="140"/>
<_DATA_SET _Name="PT182:Total number of open credit card trades" _ID="PT182" _Value="20"/>
<_DATA_SET _Name="PT183:Total number of open retail trades" _ID="PT183" _Value="17"/>
<_DATA_SET _Name="PT184:Total number of trades ever delinquent" _ID="PT184" _Value="1"/>
<_DATA_SET _Name="PT185:Total number of tradelines delinquent in the last 6 months" _ID="PT185" _Value="0"/>
<_DATA_SET _Name="PT186:Total number of installment tradelines 60 days late or worse in the last 6 months" _ID="PT186" _Value="0"/>
<_DATA_SET _Name="PT187:Total balances on currently delinquent tradelines" _ID="PT187" _Value="0"/>
<_DATA_SET _Name="PT188:Worst current status on any open tradeline" _ID="PT188" _Value="9"/>
<_DATA_SET _Name="PT189:Worst status in the past 12 months on any mortgage tradeline" _ID="PT189" _Value="0"/>
<_DATA_SET _Name="PT190:Total number of closed credit card trades" _ID="PT190" _Value="4"/>
<_DATA_SET _Name="PT191:Total number of closed installment trades" _ID="PT191" _Value="1"/>
<_DATA_SET _Name="PT192:Percent of revolving credit available" _ID="PT192" _Value="59"/>
<_DATA_SET _Name="PT193:Number of loans or credit cards applied for in past 24 months" _ID="PT193" _Value="6"/>
<_DATA_SET _Name="PT194:Number of Installment tradelines not delinquent within the last 24 months" _ID="PT194" _Value="1"/>
<_DATA_SET _Name="PT195:Max credit limit on open bank credit cards" _ID="PT195" _Value="400"/>
<_DATA_SET _Name="PT196:Number of collections with amount gt 0" _ID="PT196" _Value="5"/>
<_DATA_SET _Name="PT197:Total Number of delinquent credit card and retail trades in last 6 months" _ID="PT197" _Value="0"/>
<_DATA_SET _Name="PT198:Total number of open credit card tradelines with utilization gt 90%" _ID="PT198" _Value="3"/>
<_DATA_SET _Name="PT199:Total number of open retail tradelines with utilization gt 90%" _ID="PT199" _Value="8"/>
<_DATA_SET _Name="PT200:Number of closed trades; no exclusions" _ID="PT200" _Value="10"/>
<_DATA_SET _Name="PT201:Number of open trades; no exclusions" _ID="PT201" _Value="25"/>
<_DATA_SET _Name="PT202:Total balance on all trades; no exclusions" _ID="PT202" _Value="16577"/>
<_DATA_SET _Name="Deceased Indicator" _ID="AP009" _Value="N"/>
<_DATA_SET _Name="Public Record Info" _ID="AP010" _Value="Other,2011-02-18,Unknown,5600|"/>
</CREDIT_SUMMARY>
<CREDIT_SUMMARY BorrowerID="Borrower01" _Name="TransUnion Credit Summary">
<_DATA_SET _Name="Number of Public Records" _Value="001"/>
<_DATA_SET _Name="Number of Collections" _Value="006"/>
<_DATA_SET _Name="Number of Negative Trades" _Value="000"/>
<_DATA_SET _Name="Trades with any Historical Negative" _Value="001"/>
<_DATA_SET _Name="Occurrences of Historical Negatives" _Value="002"/>
<_DATA_SET _Name="Number of Trades" _Value="029"/>
<_DATA_SET _Name="Number of Revolving and Check Credit Trades" _Value="029"/>
<_DATA_SET _Name="Number of Installment Trades" _Value="000"/>
<_DATA_SET _Name="Number of Mortgage Trades" _Value="000"/>
<_DATA_SET _Name="Number of Open Trade Accounts" _Value="000"/>
<_DATA_SET _Name="Number of Inquiries" _Value="006"/>
</CREDIT_SUMMARY>
<CREDIT_SUMMARY_TUI BorrowerID="Borrower01" _Name="Attributes">
<_DATA_SET _Name="Number of tradelines" _ID="AP001" _Value="35"/>
<_DATA_SET _Name="Average age of open tradelines" _ID="AP002" _Value="55"/>
<_DATA_SET _Name="Average age of open tradelines; exclude auth user and joint ecoa" _ID="AP003" _Value="55"/>
<_DATA_SET _Name="Number of hard inquiries" _ID="AP004" _Value="6"/>
<_DATA_SET _Name="Number of payments" _ID="AP005" _Value="1036"/>
<_DATA_SET _Name="Revolving utilization on open credit cards" _ID="AP006" _Value="64"/>
<_DATA_SET _Name="Total occurrences of minor delinqs" _ID="AP007" _Value="2"/>
<_DATA_SET _Name="Total number of major derogatory tradelines" _ID="AP008" _Value="6"/>
<_DATA_SET _Name="Total number of major derogatory tradelines calculated by TU" _ID="AP008_RAW" _Value="6"/>
<_DATA_SET _Name="AT01S:Number of trades" _ID="AT01S" _Value="35"/>
<_DATA_SET _Name="AT02S:Number of open trades" _ID="AT02S" _Value="25"/>
<_DATA_SET _Name="AT06S:Number of trades opened in past 6 months" _ID="AT06S" _Value="1"/>
<_DATA_SET _Name="AT09S:Number of trades opened in past 24 months" _ID="AT09S" _Value="6"/>
<_DATA_SET _Name="AT20S:Months since oldest trade opened" _ID="AT20S" _Value="140"/>
<_DATA_SET _Name="AT28A:Total credit line of open trades verified in past 12 months" _ID="AT28A" _Value="20707"/>
<_DATA_SET _Name="AT28B:Total credit line of open trades verified in past 12 months (excl mort and home equity)" _ID="AT28B" _Value="20707"/>
<_DATA_SET _Name="AT33A:Total balance of open trades verified in past 12 months" _ID="AT33A" _Value="14400"/>
<_DATA_SET _Name="AT33B:Total balance of open trades verified in past 12 months (excl mort and home equity)" _ID="AT33B" _Value="14400"/>
<_DATA_SET _Name="AT34A:Utilization for open trades verified in past 12 months" _ID="AT34A" _Value="70"/>
<_DATA_SET _Name="AT34B:Utilization for open trades verified in past 12 months (excl mort and home equity)" _ID="AT34B" _Value="70"/>
<_DATA_SET _Name="AT36S:Months since most recent delinquency" _ID="AT36S" _Value="31"/>
<_DATA_SET _Name="AT57S:Total past due amount of open trades verified in past 12 months" _ID="AT57S" _Value="0"/>
<_DATA_SET _Name="AT103S:Percentage of satisfactory open trades to all open trades" _ID="AT103S" _Value="80"/>
<_DATA_SET _Name="AT104S:Percentage of all trades opened in past 24 months to all trades" _ID="AT104S" _Value="20"/>
<_DATA_SET _Name="ATAP01:Total scheduled monthly payment for all trades verified in past 12 months" _ID="ATAP01" _Value="738"/>
<_DATA_SET _Name="AU28S:Total credit line of open auto trades verified in past 12 months" _ID="AU28S" _Value="0"/>
<_DATA_SET _Name="AU33S:Total balance of open auto trades verified in past 12 months" _ID="AU33S" _Value="0"/>
<_DATA_SET _Name="AU34S:Utilization for open auto trades verified in past 12 months" _ID="AU34S" _Value="N/A"/>
<_DATA_SET _Name="AU57S:Total past due amount of open auto trades verified in past 12 months" _ID="AU57S" _Value="N/A"/>
<_DATA_SET _Name="BC02S:Number of open credit card trades" _ID="BC02S" _Value="3"/>
<_DATA_SET _Name="BC06S:Number of credit card trades opened in past 6 months" _ID="BC06S" _Value="0"/>
<_DATA_SET _Name="BC102S:Average credit line of open credit card trades verified in past 12 months" _ID="BC102S" _Value="300"/>
<_DATA_SET _Name="BC12S:Number of open credit card trades verified in past 12 months" _ID="BC12S" _Value="3"/>
<_DATA_SET _Name="BC20S:Months since oldest credit card trade opened" _ID="BC20S" _Value="68"/>
<_DATA_SET _Name="BC28S:Total credit line of open credit card trades verified in past 12 months" _ID="BC28S" _Value="900"/>
<_DATA_SET _Name="BC30S:Percentage of open credit card trades > 50% of credit line verified in past 12 months" _ID="BC30S" _Value="75"/>
<_DATA_SET _Name="BC31S:Percentage of open credit card trades > 75% of credit line verified in past 12 months" _ID="BC31S" _Value="75"/>
<_DATA_SET _Name="BC33S:Total balance of open credit card trades verified in past 12 months" _ID="BC33S" _Value="853"/>
<_DATA_SET _Name="BC34S:Utilization for open credit card trades verified in past 12 months" _ID="BC34S" _Value="95"/>
<_DATA_SET _Name="BC57S:Total past due amount of open credit card trades verified in past 12 months" _ID="BC57S" _Value="0"/>
<_DATA_SET _Name="CO04S:Months since most recent charged-off trade was first reported" _ID="CO04S" _Value="32"/>
<_DATA_SET _Name="FC04S:Months since most recent foreclosure trade was first reported" _ID="FC04S" _Value="N/A"/>
<_DATA_SET _Name="G020S:Number of trades with maximum delinquency of 30 days past due in past 24 months" _ID="G020S" _Value="0"/>
<_DATA_SET _Name="G051S:Percentage of trades ever delinquent" _ID="G051S" _Value="23"/>
<_DATA_SET _Name="G093S:Number of public records" _ID="G093S" _Value="1"/>
<_DATA_SET _Name="G094S:Number of public record bankruptcies" _ID="G094S" _Value="0"/>
<_DATA_SET _Name="G095S:Months since most recent public record" _ID="G095S" _Value="52"/>
<_DATA_SET _Name="G103S:Months since most recent credit inquiry" _ID="G103S" _Value="3"/>
<_DATA_SET _Name="G202A:Total open to buy of open trades verified in past 12 months (excl installs and morts)" _ID="G202A" _Value="6307"/>
<_DATA_SET _Name="G215B:Number of non-medical third party collections with balance > $0" _ID="G215B" _Value="2"/>
<_DATA_SET _Name="G217S:Total past due amount of all trades verified in past 12 months" _ID="G217S" _Value="0"/>
<_DATA_SET _Name="G218B:Number of trades verified in the past 12 months that are currently 30+ DPD" _ID="G218B" _Value="0"/>
<_DATA_SET _Name="G224A:Number of 90 days past due or worse items ever (excluding medical colls)" _ID="G224A" _Value="3"/>
<_DATA_SET _Name="G238S:Number of credit inquiries in past 12 months (excl coll inqs)" _ID="G238S" _Value="3"/>
<_DATA_SET _Name="G244S:Number of inquiries (includes duplicates) in past 12 months" _ID="G244S" _Value="3"/>
<_DATA_SET _Name="G250A:Number of 30 DPD or worse items ever (excluding medical colls)" _ID="G250A" _Value="4"/>
<_DATA_SET _Name="G250B:Number of 30 DPD or worse items in the past 12 months (excluding medical colls)" _ID="G250B" _Value="2"/>
<_DATA_SET _Name="G250C:Number of 30 DPD or worse items in the past 24 months (excluding medical colls)" _ID="G250C" _Value="2"/>
<_DATA_SET _Name="G251A:Number of 60 DPD or worse items ever (excluding medical colls)" _ID="G251A" _Value="4"/>
<_DATA_SET _Name="G302S:Worst rating on revolving trades in past 12 months" _ID="G302S" _Value="N/A"/>
<_DATA_SET _Name="G304S:Worst rating on installment trades in past 12 months" _ID="G304S" _Value="9"/>
<_DATA_SET _Name="G310S:Worst rating on all trades in past 12 months" _ID="G310S" _Value="9"/>
<_DATA_SET _Name="GB311:Indicates if bankruptcies have been filed" _ID="GB311" _Value="0"/>
<_DATA_SET _Name="HI57S:Total past due amount of open home equity loan trades verified in past 12 months" _ID="HI57S" _Value="N/A"/>
<_DATA_SET _Name="HR57S:Total past due amount of open HELOC trades verified in past 12 months" _ID="HR57S" _Value="N/A"/>
<_DATA_SET _Name="IN02S:Number of open installment trades" _ID="IN02S" _Value="5"/>
<_DATA_SET _Name="IN06S:Number of installment trades opened in past 6 months" _ID="IN06S" _Value="1"/>
<_DATA_SET _Name="IN28S:Total credit line of open installment trades verified in past 12 months" _ID="IN28S" _Value="2912"/>
<_DATA_SET _Name="IN33S:Total balance of open installment trades verified in past 12 months" _ID="IN33S" _Value="2912"/>
<_DATA_SET _Name="IN34S:Utilization for open installment trades verified in past 12 months" _ID="IN34S" _Value="100"/>
<_DATA_SET _Name="IN36S:Months since most recent installment delinquency" _ID="IN36S" _Value="1"/>
<_DATA_SET _Name="IN57S:Total past due amount of open installment trades verified in past 12 months" _ID="IN57S" _Value="0"/>
<_DATA_SET _Name="MT02S:Number of open mortgage trades" _ID="MT02S" _Value="0"/>
<_DATA_SET _Name="MT06S:Number of mortgage trades opened in past 6 months" _ID="MT06S" _Value="0"/>
<_DATA_SET _Name="MT28S:Total credit line of open mortgage trades verified in past 12 months" _ID="MT28S" _Value="0"/>
<_DATA_SET _Name="MT33S:Total balance of open mortgage trades verified in past 12 months" _ID="MT33S" _Value="0"/>
<_DATA_SET _Name="MT34S:Utilization for open mortgage trades verified in past 12 months" _ID="MT34S" _Value="N/A"/>
<_DATA_SET _Name="MT36S:Months since most recent mortgage delinquency" _ID="MT36S" _Value="N/A"/>
<_DATA_SET _Name="MT57S:Total past due amount of open mortgage trades verified in past 12 months" _ID="MT57S" _Value="N/A"/>
<_DATA_SET _Name="RE02S:Number of open revolving trades" _ID="RE02S" _Value="20"/>
<_DATA_SET _Name="RE06S:Number of revolving trades opened in past 6 months" _ID="RE06S" _Value="0"/>
<_DATA_SET _Name="RE12S:Number of open revolving trades verified in past 12 months" _ID="RE12S" _Value="19"/>
<_DATA_SET _Name="RE20S:Months since oldest revolving trade opened" _ID="RE20S" _Value="140"/>
<_DATA_SET _Name="RE21S:Months since most recent revolving trade opened" _ID="RE21S" _Value="8"/>
<_DATA_SET _Name="RE28S:Total credit line of open revolving trades verified in past 12 months" _ID="RE28S" _Value="17795"/>
<_DATA_SET _Name="RE30S:Percentage of open revolving trades > 50% of credit line verified in past 12 months" _ID="RE30S" _Value="58"/>
<_DATA_SET _Name="RE31S:Percentage of open revolving trades > 75% of credit line verified in past 12 months" _ID="RE31S" _Value="29"/>
<_DATA_SET _Name="RE33S:Total balance of open revolving trades verified in past 12 months" _ID="RE33S" _Value="11488"/>
<_DATA_SET _Name="RE34S:Utilization for open revolving trades verified in past 12 months" _ID="RE34S" _Value="65"/>
<_DATA_SET _Name="RE34T:Utilization for all bureau open revolving trades verified in past 12 months" _ID="RE34T" _Value="65"/>
<_DATA_SET _Name="RE36S:Months since most recent revolving delinquency" _ID="RE36S" _Value="31"/>
<_DATA_SET _Name="RE57S:Total past due amount of open revolving trades verified in past 12 months" _ID="RE57S" _Value="0"/>
<_DATA_SET _Name="RE102S:Average credit line of open revolving trades verified in past 12 months" _ID="RE102S" _Value="937"/>
<_DATA_SET _Name="RP04S:Months since most recent repossession trade was first reported" _ID="RP04S" _Value="N/A"/>
<_DATA_SET _Name="S004S:Average number of months trades have been on file" _ID="S004S" _Value="53"/>
<_DATA_SET _Name="S043S:Number of open trades > 50% of credit line verified in 12 mons (excl installs and morts)" _ID="S043S" _Value="58"/>
<_DATA_SET _Name="S061S:Months since most recent 60 or more days past due" _ID="S061S" _Value="31"/>
<_DATA_SET _Name="S062S:Months since most recent 90 or more days past due" _ID="S062S" _Value="N/A"/>
<_DATA_SET _Name="S068A:Number of third party collections" _ID="S068A" _Value="6"/>
<_DATA_SET _Name="S114S:Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)" _ID="S114S" _Value="1"/>
<_DATA_SET _Name="S204A:Total balance of non-medical third party collections verified in past 12 months" _ID="S204A" _Value="1860"/>
<_DATA_SET _Name="S207A:Months since most recent tradeline bankruptcy" _ID="S207A" _Value="N/A"/>
<_DATA_SET _Name="S207S:Months since most recent public record bankruptcy" _ID="S207S" _Value="N/A"/>
<_DATA_SET _Name="S209A:Months since most recent non-medical third party collection" _ID="S209A" _Value="5"/>
<_DATA_SET _Name="ST28S:Total credit line of open student loan trades verified in past 12 months" _ID="ST28S" _Value="0"/>
<_DATA_SET _Name="ST33S:Total balance of open student loan trades verified in past 12 months" _ID="ST33S" _Value="0"/>
<_DATA_SET _Name="ST34S:Utilization for open student loan trades verified in past 12 months" _ID="ST34S" _Value="N/A"/>
<_DATA_SET _Name="ST57S:Total past due amount of open student loan trades verified in past 12 months" _ID="ST57S" _Value="N/A"/>
<_DATA_SET _Name="PT014:Total Scheduled Monthly Payment" _ID="PT014" _Value="738"/>
<_DATA_SET _Name="PT016:Utilization on revolving trades" _ID="PT016" _Value="64"/>
<_DATA_SET _Name="PT017:Total balance on open revolving trades" _ID="PT017" _Value="11488"/>
<_DATA_SET _Name="PT019:Total Mortgage Monthly Payment" _ID="PT019" _Value="-5"/>
<_DATA_SET _Name="PT020:Total balance on open Mortgages" _ID="PT020" _Value="-5"/>
<_DATA_SET _Name="PT021:Total Monthly Automobile Payment" _ID="PT021" _Value="-5"/>
<_DATA_SET _Name="PT022:Date of oldest trade" _ID="PT022" _Value="102003"/>
<_DATA_SET _Name="PT023:Months since infile created at bureau" _ID="PT023" _Value="169"/>
<_DATA_SET _Name="PT027:Total occurrances of delinquencies in past 12 months" _ID="PT027" _Value="0"/>
<_DATA_SET _Name="PT038:Number of Inquiries in past 6 months" _ID="PT038" _Value="1"/>
<_DATA_SET _Name="PT054:Total Credit Limit/High Credit on open tradelines" _ID="PT054" _Value="20807"/>
<_DATA_SET _Name="PT056:Total balance on all tradelines" _ID="PT056" _Value="16577"/>
<_DATA_SET _Name="PT063:Number of currently delinquent tradelines" _ID="PT063" _Value="0"/>
<_DATA_SET _Name="PT064:Number of currently delinquent revolving tradelines" _ID="PT064" _Value="0"/>
<_DATA_SET _Name="PT065:Number of currently delinquent installment tradelines" _ID="PT065" _Value="0"/>
<_DATA_SET _Name="PT068:Average balance on open tradelines" _ID="PT068" _Value="576"/>
<_DATA_SET _Name="PT069:Number of Chargeoffs in past 12 months" _ID="PT069" _Value="0"/>
<_DATA_SET _Name="PT071:Total occurrances of delinquencies in the past 2 years" _ID="PT071" _Value="0"/>
<_DATA_SET _Name="PT072:Total occurrances of delinquencies in the past 30 days" _ID="PT072" _Value="0"/>
<_DATA_SET _Name="PT073:Total occurrances of delinquencies in the past 60 days" _ID="PT073" _Value="0"/>
<_DATA_SET _Name="PT074:Total occurrances of delinquencies in the past 7 years" _ID="PT074" _Value="2"/>
<_DATA_SET _Name="PT076:Date of oldest trade" _ID="PT076" _Value="102003"/>
<_DATA_SET _Name="PT079:Number of months since oldest installment tradeline opened" _ID="PT079" _Value="68"/>
<_DATA_SET _Name="PT080:Number of months since oldest revolving tradeline opened" _ID="PT080" _Value="140"/>
<_DATA_SET _Name="PT082:Number of months since most recent tradeline opened" _ID="PT082" _Value="5"/>
<_DATA_SET _Name="PT083:Number of mortgage trades" _ID="PT083" _Value="0"/>
<_DATA_SET _Name="PT088:Number of months since 90+ late or worse derogatory" _ID="PT088" _Value="1"/>
<_DATA_SET _Name="PT089:Number of tradelines reported in past 2 months and currently 120 days past due" _ID="PT089" _Value="0"/>
<_DATA_SET _Name="PT090:Number of tradelines currently 30 days past due" _ID="PT090" _Value="0"/>
<_DATA_SET _Name="PT091:Number of tradelines 90+ days past due in past 24 months" _ID="PT091" _Value="0"/>
<_DATA_SET _Name="PT092:Number of tradelines opened in past 12 months" _ID="PT092" _Value="4"/>
<_DATA_SET _Name="PT093:Percentage of tradelines never delinquent" _ID="PT093" _Value="97"/>
<_DATA_SET _Name="PT094:Number of tradelines ever 120 days past due" _ID="PT094" _Value="0"/>
<_DATA_SET _Name="PT095:Number of months since oldest bank installment tradeline" _ID="PT095" _Value="68"/>
<_DATA_SET _Name="PT103:Total credit limit/high credit on open installment tradelines" _ID="PT103" _Value="2912"/>
<_DATA_SET _Name="PT104:Number of currently satisfactory tradelines" _ID="PT104" _Value="24"/>
<_DATA_SET _Name="PT105:Number of revolving tradelines" _ID="PT105" _Value="24"/>
<_DATA_SET _Name="PT110:Number of revolving tradelines opened in past 7 years" _ID="PT110" _Value="17"/>
<_DATA_SET _Name="PT111:Total credit limit/high credit on open revolving tradelines" _ID="PT111" _Value="17895"/>
<_DATA_SET _Name="PT112:Total available credit on open bankcard tradelines verified in the last 6 mons" _ID="PT112" _Value="47"/>
<_DATA_SET _Name="PT115:Percent of bankcard tradelines gt 75% of credit limit" _ID="PT115" _Value="75"/>
<_DATA_SET _Name="PT118:Total credit limit/high credit on open bankcard tradelines" _ID="PT118" _Value="900"/>
<_DATA_SET _Name="PT119:Number of bankcard tradelines" _ID="PT119" _Value="4"/>
<_DATA_SET _Name="PT120:Number of months since most recent bankcard tradeline opened" _ID="PT120" _Value="8"/>
<_DATA_SET _Name="PT121:Number of bankcard tradelines opened in the past 6 months" _ID="PT121" _Value="0"/>
<_DATA_SET _Name="PT122:Number of bankcard tradelines never delinquent" _ID="PT122" _Value="4"/>
<_DATA_SET _Name="PT125:Number of months since most recent bankcard delinquency" _ID="PT125" _Value="N/A"/>
<_DATA_SET _Name="PT126:Percent utilization on bankcard tradelines" _ID="PT126" _Value="60"/>
<_DATA_SET _Name="PT129:Number of Public Records with amount gt 100" _ID="PT129" _Value="0"/>
<_DATA_SET _Name="PT130:Number of Tax Liens" _ID="PT130" _Value="0"/>
<_DATA_SET _Name="PT132:Total amount on Collections" _ID="PT132" _Value="2912"/>
<_DATA_SET _Name="PT133:Number of repossessions" _ID="PT133" _Value="0"/>
<_DATA_SET _Name="PT134:Number of foreclosures" _ID="PT134" _Value="0"/>
<_DATA_SET _Name="PT136:Number of Collections/Chargeoffs in past 24 months; excluding medical" _ID="PT136" _Value="2"/>
<_DATA_SET _Name="PT137:Total amount on Collections in past 36 months; excluding medical" _ID="PT137" _Value="3"/>
<_DATA_SET _Name="PT138:Number of tradelines active within the past 6 months" _ID="PT138" _Value="25"/>
<_DATA_SET _Name="PT139:Number of mortgage tradelines opened in past 6 months" _ID="PT139" _Value="-5"/>
<_DATA_SET _Name="PT140:Number of open installment tradelines opened within the past 24 months" _ID="PT140" _Value="2"/>
<_DATA_SET _Name="PT141:Total occurrances of 30 days late within the past 12 months on Mortgage trades" _ID="PT141" _Value="-5"/>
<_DATA_SET _Name="PT142:Number of mortgages passed due 30 days or more in the last 6 months" _ID="PT142" _Value="-5"/>
<_DATA_SET _Name="PT143:Total occurrances of 30 days late within the past 12 months" _ID="PT143" _Value="0"/>
<_DATA_SET _Name="PT144:Number of collections with amount gt 500" _ID="PT144" _Value="2"/>
<_DATA_SET _Name="PT145:Total balance on unsecured credit card tradelines" _ID="PT145" _Value="13665"/>
<_DATA_SET _Name="PT146:Total balance on unsecured tradelines" _ID="PT146" _Value="16577"/>
<_DATA_SET _Name="PT147:Total amount on Tax Liens filed within the past 36 months" _ID="PT147" _Value="0"/>
<_DATA_SET _Name="PT148:Total amount on Judgements filed within the past 36 months" _ID="PT148" _Value="0"/>
<_DATA_SET _Name="PT149:Number of Public Records filed in past 24 months" _ID="PT149" _Value="0"/>
<_DATA_SET _Name="PT150:Number of non-federal Student Loan tradelines" _ID="PT150" _Value="0"/>
<_DATA_SET _Name="PT151:Number of repossessed auto loan tradelines" _ID="PT151" _Value="-5"/>
<_DATA_SET _Name="PT153:Percent utilization on installment tradelines" _ID="PT153" _Value="85"/>
<_DATA_SET _Name="PT154:Number of revolving tradelines with balance gt 0" _ID="PT154" _Value="20"/>
<_DATA_SET _Name="PT155:Number of installment tradelines opened in past 12 months" _ID="PT155" _Value="2"/>
<_DATA_SET _Name="PT157:Number of revolving tradelines opened in past 12 months" _ID="PT157" _Value="2"/>
<_DATA_SET _Name="PT158:Number of revolving tradelines opened in past 24 months" _ID="PT158" _Value="4"/>
<_DATA_SET _Name="PT159:Number of credit union tradelines" _ID="PT159" _Value="0"/>
<_DATA_SET _Name="PT160:Percent utilization on all open tradelines" _ID="PT160" _Value="69"/>
<_DATA_SET _Name="PT162:Maximum balance on revolving tradelines" _ID="PT162" _Value="3011"/>
<_DATA_SET _Name="PT163:Number months since more recent installment tradeline opened" _ID="PT163" _Value="5"/>
<_DATA_SET _Name="PT165:Number of auto tradelines 30 days past due in past 6 months" _ID="PT165" _Value="-5"/>
<_DATA_SET _Name="PT166:Number of auto tradelines opened in past 6 months" _ID="PT166" _Value="-5"/>
<_DATA_SET _Name="PT167:Number of retail tradelines opened in past 6 months" _ID="PT167" _Value="0"/>
<_DATA_SET _Name="PT168:Number of student loans opened in past 12 months" _ID="PT168" _Value="-5"/>
<_DATA_SET _Name="PT174:Total amount on Collections; excluding medical" _ID="PT174" _Value="1860"/>
<_DATA_SET _Name="PT175:Total amount on Tax Liens" _ID="PT175" _Value="0"/>
<_DATA_SET _Name="PT176:Total amount on Judgements" _ID="PT176" _Value="5600"/>
<_DATA_SET _Name="PT177:Total credit limit on open credit card trades" _ID="PT177" _Value="17895"/>
<_DATA_SET _Name="PT178:Total credit limit on open retail trades" _ID="PT178" _Value="16995"/>
<_DATA_SET _Name="PT179:Total balance on open credit card trades" _ID="PT179" _Value="11488"/>
<_DATA_SET _Name="PT180:Total balance on open retail trades" _ID="PT180" _Value="10635"/>
<_DATA_SET _Name="PT181:Age of oldest trade in months" _ID="PT181" _Value="140"/>
<_DATA_SET _Name="PT182:Total number of open credit card trades" _ID="PT182" _Value="20"/>
<_DATA_SET _Name="PT183:Total number of open retail trades" _ID="PT183" _Value="17"/>
<_DATA_SET _Name="PT184:Total number of trades ever delinquent" _ID="PT184" _Value="1"/>
<_DATA_SET _Name="PT185:Total number of tradelines delinquent in the last 6 months" _ID="PT185" _Value="0"/>
<_DATA_SET _Name="PT186:Total number of installment tradelines 60 days late or worse in the last 6 months" _ID="PT186" _Value="0"/>
<_DATA_SET _Name="PT187:Total balances on currently delinquent tradelines" _ID="PT187" _Value="0"/>
<_DATA_SET _Name="PT188:Worst current status on any open tradeline" _ID="PT188" _Value="9"/>
<_DATA_SET _Name="PT189:Worst status in the past 12 months on any mortgage tradeline" _ID="PT189" _Value="0"/>
<_DATA_SET _Name="PT190:Total number of closed credit card trades" _ID="PT190" _Value="4"/>
<_DATA_SET _Name="PT191:Total number of closed installment trades" _ID="PT191" _Value="1"/>
<_DATA_SET _Name="PT192:Percent of revolving credit available" _ID="PT192" _Value="59"/>
<_DATA_SET _Name="PT193:Number of loans or credit cards applied for in past 24 months" _ID="PT193" _Value="6"/>
<_DATA_SET _Name="PT194:Number of Installment tradelines not delinquent within the last 24 months" _ID="PT194" _Value="1"/>
<_DATA_SET _Name="PT195:Max credit limit on open bank credit cards" _ID="PT195" _Value="400"/>
<_DATA_SET _Name="PT196:Number of collections with amount gt 0" _ID="PT196" _Value="5"/>
<_DATA_SET _Name="PT197:Total Number of delinquent credit card and retail trades in last 6 months" _ID="PT197" _Value="0"/>
<_DATA_SET _Name="PT198:Total number of open credit card tradelines with utilization gt 90%" _ID="PT198" _Value="3"/>
<_DATA_SET _Name="PT199:Total number of open retail tradelines with utilization gt 90%" _ID="PT199" _Value="8"/>
<_DATA_SET _Name="PT200:Number of closed trades; no exclusions" _ID="PT200" _Value="10"/>
<_DATA_SET _Name="PT201:Number of open trades; no exclusions" _ID="PT201" _Value="25"/>
<_DATA_SET _Name="PT202:Total balance on all trades; no exclusions" _ID="PT202" _Value="16577"/>
<_DATA_SET _Name="Deceased Indicator" _ID="AP009" _Value="N"/>
<_DATA_SET _Name="Public Record Info" _ID="AP010" _Value="Other,2011-02-18,Unknown,5600|"/>
</CREDIT_SUMMARY_TUI>
</CREDIT_RESPONSE>
</RESPONSE_DATA>
</RESPONSE>
</RESPONSE_GROUP>
Updated 8 months ago