Printable Report

Credit Report Prepared For:

YEVETTE DIANE SYKESReport as Of: 2/29/2012

Personal & ConfidentialPlease Keep in a safe place for your records.

YEVETTE DIANE SYKESReport As Of: 2/29/2012

Table of Contents

Personal Information _____________________________________________________________________ 1 Report Summary ________________________________________________________________________ 2 Bankruptcy & Court Judgments ____________________________________________________________ 3 Credit Inquires __________________________________________________________________________ 4 Credit Cards, Loans & Other Debt ___________________________________________________________ 8 Credit Score ___________________________________________________________________________ 15

Experian ____________________________________________________________________________ 16

Equifax ______________________________________________________________________________ 17

Transunion ___________________________________________________________________________ 18

FreeCreditReport.com | A Part of Experian


Personal InformationHere you will find your personal information, including your legal name(s), year of birth, current and previous addresses, and current and previous employers.

Profile

Name YEVETTE D SYKES YEVETTE DIANE SYKES YEVETTE D SYKES

(Also Known As) AKA YVETTE D SYKES SYKES,YEVETTE,DIANEYear of Birth 1969 1969 1969

Address(es) 6667 E SCARLETT ST, TUCSON, AZ 85710-1006

PO BOX 27759, TUCSON, AZ 85726-7759

3815 E BELLEVUE ST, TUCSON, AZ 85716-4011

6667 E SCARLETT ST, TUCSON, AZ 85710

PO BOX 27759, TUCSON, AZ 85726

3815 E BELLEVUE ST APT B, TUCSON, AZ 85716

6667 SCARLETT ST, TUCSON, AZ 85710

3815 BELLEVUE ST B, TUCSON, AZ 85716

27759 PO BOX 27759, TUCSON, AZ 85726

Current Employer YMCA YMCA YMCA

Previous Employer MULCAHY CITY YMCA YMCA

This space is reserved for statements of dispute. For most consumers, no information appears in this section.

Personal Statement

Personal Information Page 1 of 1 Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score


Report SummaryHere you will find a summary of all your open and closed accounts, including any delinquencies. Open accounts contain current balances at the time the report was pulled. Account totals, including total debt, are found at the end of this section.

Real Estate Delinquent Account(s)

Count 1 1 1

Balance $168,200.00 $168,200.00 $168,200.00Current 0 0 0

Delinquent 1 1 1Other 0 0 0

Revolving Current Account(s)

Count 5 4 4

Balance $3,214.00 $1,802.00 $1,802.00Current 2 1 1


Installments Delinquent Account(s)

Count 2 2 2

Balance $12,474.00 $12,474.00 $12,474.00Current 1 1 1


Other

Count 0 0 0Balance $0.00 $0.00 $0.00Current 0 0 0


Collections Current Account(s)

Count 2 1 2

Balance $874.00 $1,413.00 $874.00Current 0 0 0


All Accounts Delinquent Account(s)

Count 10 8 9

Balance $184,762.00 $183,889.00 $183,350.00Current 3 2 2


Personal Information Report Summary Page 1 of 1 Bankruptcies Credit Inquires Credit Cards & Loans Credit Score


Bankruptcy & Court JudgmentsHere you will find any court-related information, including bankruptcies, state and county court records, tax liens, monetary judgments, and in some states, overdue child support payments. Remember, bankruptcies remain on your report for 7-10 years.

Public Records

There are no Public Records on your credit report at this time.

No History No History No History

Personal Information Report Summary Bankruptcies Page 1 of 1 Credit Inquires Credit Cards & Loans Credit Score


Credit InquiriesHere you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

CREDITORS INTERCHG

Business Name CREDITORS INTERCHG

Inquiry Date 1/5/2012 Business Type Other Collection Agencies

716-614-7500

80 HOLTZ DRBUFFALO, NY 14225

COX COMM - ARIZONA

Business Name COX COMM - ARIZONA

Inquiry Date 8/12/2011 Business Type Miscellaneous Utilities

No Phone Provided

1550 W DEER VALLEY ROADPHOENIX, AZ 85027

WFFNATBANK

Business Name WFFNATBANK

Inquiry Date 7/5/2011Business Type Collection services

800-231-5089

MAC N8235-04M PO BOX 14517DES MOINE, IA 50306

WFFNATBANK


Inquiry Date 6/2/2011Business Type Collection services

800-231-5089

MAC N8235-04M PO BOX 14517DES MOINE, IA 50306

Personal Information Report Summary Bankruptcies Credit Inquires Page 1 of 4 Credit Cards & Loans Credit Score



CITIFINANCIAL

Business Name CITIFINANCIAL

Inquiry Date 11/24/2010 Business Type Personal Loan Companies

520-747-1376

6545 E 22ND STTUCSON, AZ 85710

CAP ONE

Business Name CAP ONE CAP ONE

Inquiry Date 11/8/2010 11/8/2010Business Type Bank Credit Cards Banks and S&Ls

No Phone Provided

PO BOX 30281SALT LAKE CITY, UT 84130

CAPITAL ONE BANK USA

Business Name CAPITAL ONE BANK USA

Inquiry Date 11/8/2010 Business Type All Banks

No Phone Provided

15000 CAPITAL ONE DRIVEPO# 12000-0000130428 RICHMOND, VA 23238

WFFNATBANK


Inquiry Date 8/28/2010Business Type Contractors

800-231-5089

MAC N8235-04M PO BOX 14517DES MOINES, IA 50306




BK OF AMER

Business Name BK OF AMER

Inquiry Date 7/22/2010Business Type Banks and S&Ls

800-421-2110

PO BOX 982238EL PASO, TX 79998

BANK OF AMERICA

Business Name BANK OF AMERICA

Inquiry Date 7/21/2010 Business Type Bank Credit Cards

800-421-2110

PO BOX 17054WILMINGTON, DE 19850

WFFNATBANK


Inquiry Date 7/1/2010Business Type Home Furnishing

800-231-5089

MAC N8235-04M PO BOX 14517DES MOINES, IA 50306

COX COMM - ARIZONA

Business Name COX COMM - ARIZONA

Inquiry Date 4/30/2010 Business Type Miscellaneous Utilities

No Phone Provided

1550 W DEER VALLEY ROADPHOENIX, AZ 85027




CREDCO

Business Name CREDCO CREDCO FA CREDCO

Inquiry Date 3/23/2010 3/23/2010 3/23/2010Business Type Mortgage Reporters Miscellaneous Reptg. Agencies Finance, personal

800-637-2422

12395 FIRST AMERICAN WAYPOWAY, CA 92064



Credit Cards, Loans & Other DebtHere you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.

ALLIANCEONE INC

Potentially Negative

Account Name ALLIANCEONE INC ALLIANCEONE

Account # 2655XXXX 2655XXXXAccount Type Collection Department / Agency /

Attorney Collection Account

800-456-8838 Balance $786.00 $786.00

6565 KIMBALL DRGIG HARBOR, WA 98335

Past Due $786.00 Date Opened 9/1/2011 9/9/2011

Account Status Closed OpenMo. Payment

Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

Collection account

High Balance Limit

Terms 1 Month Comments Placed for collection

2009 2010 2011NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT

KD

Month Experian

Equifax TransUnion

BANK OF AMERICA, N.A.


Account Name BANK OF AMERICA, N.A. BANK OF AMERICA, N.A BK OF AMER

Account # 21693XXXX 21693XXXX 21693XXXXAccount Type FHA Real Estate Loan Real Estate Mortgage account

No Phone Provided Balance $168,200.00 $168,200.00 $168,200.00

450 AMERICAN STSIMI VALLEY, CA 93065

Past Due $3,647.00 $3,647.00 $3,647.00Date Opened 4/1/2010 4/1/2010 4/19/2010

Account Status Open Open OpenMo. Payment $1,220.00 $1,220.00 $1,220.00

Payment StatusPast due 90 days

not more than four payments past due

90 days past due

High Balance $171,830.00 $171,830.00Limit

Terms 360 Months 360 MonthsComments

REAL ESTATE MORTGAGEFHA MORTGAGE

2010 2011 2012FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 60 90 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 60 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 60

Month Experian

Equifax TransUnion

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 1 of 6 Credit Score



CAPITAL ONE AUTO FINAN


Account Name CAPITAL ONE AUTO FINAN CAPITAL ONE AUTO FIN CAPITAL 1 FA

Account # 6206210699591XXXX 6206210699591XXXX 6206210699591XXXXAccount Type Auto Loan Installment Installment account

No Phone Provided Balance $12,474.00 $12,474.00 $12,474.00

3901 DALLAS PKWYPLANO, TX 75093


Account Status Open Open OpenMo. Payment $545.00 $545.00 $545.00

Payment StatusPast due 60 days

not more than three payments past due

60 days past due

High Balance $23,771.00 $23,771.00Limit

Terms 72 Months 72 MonthsComments AUTO

2010 2011 2012FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JANOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 30 60 30 60 30 60OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 30 60 30 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 30 60 30 60 30

Month Experian

Equifax TransUnion

NCO FIN 02


Account Name NCO FIN 02 NCO FIN /02

Account # 2533XXXX 2533XXXXAccount Type Collection Department / Agency /

Attorney Collection Account

800-709-8613 Balance $88.00 $88.00

507 PRUDENTIAL RDHORSHAM, PA 19044

Past Due $88.00 Date Opened 1/1/2012 1/9/2012

Account Status Closed OpenMo. Payment

Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

Collection account

High Balance Limit

Terms 1 Month Comments Placed for collection

2010 2011 2012MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB

KD

Month Experian

Equifax TransUnion



CAP ONE

Potentially Negative Closed

Account Name CAP ONE CAPITAL ONE BANK USA CAP ONE

Account # 51780584XXXX 51780584XXXX 51780584XXXXAccount Type Credit Card Revolving or Option Revolving account

No Phone Provided Balance $545.00 $545.00 $545.00

PO BOX 85520RICHMOND, VA 23285

Past Due $545.00 $545.00 $545.00Date Opened 11/1/2010 11/1/2010 11/9/2010

Account Status Closed Closed ClosedMo. Payment

Payment StatusCharge-off

Bad debt & placed for collection & skip

Charged off as bad debt

High Balance $545.00 $545.00Limit $300.00 $300.00

Terms Revolving Comments

Credit line closed-grantor request-reported by subscriber

CHARGED OFF ACCOUNTACCOUNT CLOSED BY CREDIT GRANTOR

Canceled by credit grantor


OK OK 30 60 90 120 120 ND ND KD KD KD KD KD OK OK OK 30 60 90 120 120 OK OK OK OK OK OK OK

Month Experian

Equifax TransUnion

HOMEPRJVISA


Account Name HOME PROJECTS VISA C HOMEPRJVISA

Account # 470500024508XXXX 47050002XXXXAccount Type Revolving or Option Revolving account

800-231-5089 Balance $0.00 $0.00

CSCL DISPUTE TEAMPO BOX 14517DES MOINES, IA 50306

Past Due $0.00Date Opened 8/1/2010 8/28/2010

Account Status Closed ClosedMo. Payment $47.00

Payment Status



High Balance $1,412.00 $1,412.00Limit $5,400.00

Terms Comments

ACCOUNT TRANSFERRED OR SOLDCHARGED OFF ACCOUNT

Purchased by another lender

2009 2010 2011SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG

OK OK OK 30 60 90 120 120 120 OK OK OK OK

Month Experian

Equifax TransUnion



WFFNATBANK


Account Name WFFNATBANK

Account # 470500024508XXXX Account Type Credit Card

800-737-6682 Balance $1,412.00

PO BOX 94498LAS VEGAS, NV 89193

Past Due $720.00 Date Opened 8/1/2010

Account Status Closed Mo. Payment

Payment Status Charge-off High Balance

Limit $5,400.00 Terms Revolving

Comments Transferred to another lender or claim purchased

2009 2010 2011OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP

OK OK OK OK 30 60 90 120 120 KD KD KD KD OK

Month Experian

Equifax TransUnion

WFFNATBANK


Account Name WFFNATBANK WELLS FARGO FINANCIA WFFNB RETAIL

Account # 577442189015XXXX 577442189015XXXX 57744218XXXXAccount Type Charge Account Revolving or Option Revolving account

800-845-6355 Balance $1,257.00 $1,257.00 $1,257.00




Payment StatusCharge-off



High Balance $1,780.00 $2,013.00Limit $2,200.00 $2,200.00

Terms Revolving Comments

CHARGED OFF ACCOUNTCHARGE

Profit and loss writeoff


OK OK OK OK OK OK 30 60 90 120 120 120 KD KD KD KD KD KD KD KD OK OK OK OK OK OK 30 60 90 120 120 OK OK OK OK OK OK OK

Month Experian

Equifax TransUnion




ZENITH ACQUISITION C


Account Name ZENITH ACQUISITION C

Account # BPC022PXXXX Account Type Collection Account

866-479-6011 Balance $1,413.00

170 NORTH POINTE PARKWAYSUITE 300AMHERST, NY 14228

Past Due Date Opened 9/1/2011


Payment Status Unpaid High Balance

Limit Terms

Comments Unpaid

-JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC

Month Experian

Equifax TransUnion

CHASE BANK USA, NA

Current Closed

Account Name CHASE BANK USA, NA

Account # 42179206XXXX Account Type Credit Card

800-955-9900 Balance

PO BOX 15298WILMINGTON, DE 19850

Past Due Date Opened 11/1/1993


Payment Status Current High Balance $552.00

Limit Terms Revolving

Comments Credit line closed-grantor request-reported by subscriber

2000 2001 2002JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAYOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Month Experian

Equifax TransUnion




CREDIT ONE BANK

Current Closed

Account Name CREDIT ONE BANK CREDIT ONE BANK CREDITONEBNK

Account # 444796112240XXXX 444796112240XXXX 44479611XXXXAccount Type Credit Card Revolving or Option Revolving account

702-269-1000 Balance $0.00 $0.00


Past Due $0.00Date Opened 9/1/2005 9/1/2005 9/13/2005


Payment Status Paid, was past due 120 days Pays account as agreed Paid or paying as agreedHigh Balance $760.00 $250.00 $760.00

Limit $250.00 $250.00Terms Revolving

CommentsCredit line closed-grantor request-reported by subscriber

PAID ACCOUNT / ZERO BALANCEACCOUNT CLOSED BY CREDIT GRANTOR

Canceled by credit grantor

2008 2009JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DECOK OK OK OK OK OK 30 OK OK OK OK OK OK 30 OK OK 30 60 90 120 OK OK OK OK OK OK OK 30 OK OK OK OK OK OK 30 OK OK 30 60 90 120 OK OK OK OKOK OK OK OK 30 OK OK OK OK OK OK 30 OK OK 30 60 90 120 OK OK OK OK OK OK

Month Experian

Equifax TransUnion

WFDS/WDS

Current Closed

Account Name WFDS/WDS WFDS/WDS WFDS/WDS

Account # 51885011XXXX 51885011XXXX 51885011XXXXAccount Type Auto Loan Installment Installment account

No Phone Provided Balance $0.00 $0.00

PO BOX 1697WINTERVILLE, NC 28590

Past Due $0.00Date Opened 7/1/2001 7/1/2001 7/2/2001

Account Status Closed Closed ClosedMo. Payment $410.00 $410.00

Payment Status Paid satisfactorily Pays account as agreed Paid or paying as agreedHigh Balance $16,032.00 $16,032.00

Limit Terms 60 Months 60 Months

Comments

PAID ACCOUNT / ZERO BALANCEAUTO

Closed

2004 2005 2006SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUGOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKOK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Month Experian

Equifax TransUnion




Payment History Legend

OK Current 30 30 Days Late KD Key Derogatory**

ND No Data* 60 60 Days Late RF Repossession or Foreclosure

90 90 Days Late PP Payment Plan

120 120 Days Late

*Sometimes the credit bureaus do not have information from a particular month on file.** For additional information on Key Derogatory, please see your Credit Report Guide.

Account Status Legend

Current Current Closed Unknown

Potentially Negative Potentially Negative Closed

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page Legend Credit Score


Credit ScoreYour Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.

About your PLUS Score: Your PLUS Score is formulated using the information in your credit file. Your PLUS Score can range between 330 and 830, with a higher score indicating a lower risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose: to summarize your creditworthiness. Keep in mind that your score is just one factor used in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan.

What this means to you: Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. While lenders may use different scoring models to determine how you score, and each major credit bureau has its own method for calculating credit scores, the scoring models have been fairly well standardized so that a score at one bureau is roughly equivalent to the same score at another.

DISCLAMER

The PLUS ScoreSM, developed by Experian, is not an endorsement or guarantee of your credit worthiness as seen by lenders. The different risk levels presented here are for educational use only. Your PLUS Score can help you understand what factors impact your credit score.

Please be aware that there are many scoring models used in the marketplace, and each lender´s scoring model has its own set of factors. How each lender weighs their chosen factors may vary, but the exact formula used to calculate your score is proprietary. In general, the higher your score, the better your chances are of obtaining favorable rates and terms.

Your PLUS Score was calculated using your actual data from your credit file on the day that you requested your report, making it comparable to most scoring models in the industry. Keep in mind however that other factors, such as length of employment and annual salary, are often taken into consideration by lenders when making decisions about you.

Also note that each bureau has its own set of data, resulting in a separate PLUS Score for each of your credit files.



548 548 529

Very Poor

Your Experian PLUS Score ExplanationPercentile: Your credit rating ranks higher than 6.27% of U.S. consumers.

What factors RAISE you PLUS Score:

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

What factors LOWER you PLUS Score:

● Your payment history shows 1 or more payments that were late by 30 days or more. Late payments count negatively against your credit score. Negative information can stay on your credit report for up to 7 years for some items, up to 10 years for bankruptcies and 15 years for unpaid tax liens.

● Your report does not show any open, currently active major credit card accounts, such as Discover, American Express, VISA, or MasterCard.

● Each time a potential lender or landlord pulls your credit report for review, an inquiry is placed on your file. Inquiries stay on your credit report for up to 2 years. Having several inquiries on your credit report is negatively affecting your score. They are not necessarily negative information, but too many inquiries may indicate to lenders that you are trying to take on more new debt or possibly overextending yourself.

● Your credit score is being affected by your missed payment(s) on your real estate account, such as a mortgage. If you have a mortgage, its important to keep your payments current because a missed house payment is typically seen by lenders as a sign that you will also likely miss other types of payments.

Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 1 of 3



548 548 529

Very Poor

Your EquiFax PLUS Score ExplanationPercentile: Your credit rating ranks higher than 6.27% of U.S. consumers.










548 548 529

Very Poor

Your TransUnion PLUS Score ExplanationPercentile: Your credit rating ranks higher than 3.86% of U.S. consumers.






● Each time a potential lender or landlord pulls your credit report for review, an inquiry is placed on your file. Inquiries stay on your credit report for up to 2 years. Having several inquiries on your credit report is negatively affecting your score. They are not necessarily negative information, but too many inquiries may indicate to lenders that you are trying to take on more new debt or possibly overextending yourself.



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