Previous Address(es): No Addresses Information on File. Employment History: No employment history on file. Public Records No Public Record Information on file. No bankruptcies on file No liens on file No judgements on file No garnishments on file No secured loans on file No marital statuses on file No financial counseling on file No foreclosures on file No non-responsibility entries on file Collection Accounts No collections on file. Credit Information Citi Cards Cbsdna XXXXXXXXXXXXXX INDIVIDUAL ACCOUNT Date opened 04/2001 Last activity 02/2003 Type of Account and status Revolving PAYS AS AGREED High credit $6500 Terms 20 Balance $330 Date reported 02/2003 Prior Paying History CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT -------------------------------------------------------------------------------- Discover Financial Services XXXXXXXXXXXXXX INDIVIDUAL ACCOUNT Date opened 03/2001 Last activity 02/2003 Type of Account and status Revolving PAYS AS AGREED High credit $64 Balance $0 Date reported 02/2003 CREDIT CARD -------------------------------------------------------------------------------- Discover Financial Services XXXXXXXXXXXXXXXX INDIVIDUAL ACCOUNT Date opened 04/2001 Last activity 11/2002 Type of Account and status Revolving PAYS AS AGREED High credit $0 Balance $0 Date reported 11/2002 ACCOUNT CLOSED AT CONSUMER'S REQUEST. PAID ACCOUNT/ZERO BALANCE -------------------------------------------------------------------------------- MCCBG/Old Navy CXXXXX-XXXXXXX INDIVIDUAL ACCOUNT Date opened 04/2002 Last activity 07/2002 Type of Account and status Revolving PAYS AS AGREED High credit $500 Balance $0 Date reported 10/2002 PAID ACCOUNT/ZERO BALANCE CHARGE -------------------------------------------------------------------------------- Additional Information Companies that Requested your Credit File 03/18/2003 ID-Equifax Consumer Services, Inc 03/18/2003 Equifax Consumer Services 03/18/2003 Equifax Consumer Services 03/18/2003 Equifax Consumer Services 12/17/2002 AR-MCCBG/Old Navy 12/12/2002 PRM-At&T Wireless 11/01/2002 PRM-At&T Wireless Services 09/25/2002 PRM-California Commerce Bank 05/23/2002 AR-MCCBG/Old Navy 05/13/2002 PRM-First USA Bank 05/06/2002 AR-MCCBG/Old Navy 04/08/2002 PRM-First USA Bank 04/01/2002 PRM-First USA Bank 10/13/2001 Equifax Consumer Services ---------------------------------------------------- It also says my FICO score is 764 Positive Factors Here are the top factors that reflect your good credit behavior (they are listed in priority of impact on your score): You have no late payments reported on your credit accounts More information You have a low proportion of balances to credit limits on your revolving/charge accounts More information You have established bank/national revolving credit obligations being reported More information Negative Factors Here are the top factors where you have the most opportunity to take action that will increase your FICO score over time (they are listed in priority of impact on your score): The length of time your accounts have been established is relatively short ------------------------------------------------------- Howcome my Old Navy shows up as PAID ACCOUNT/ZERO BALANCE? Also It looks like Old Navy and First USA and AT&T likes to look at my report, what is wrong with them!!
1) Would you like them to show a balance? Have you paid them off completely? If yes, that's why... 2) Because Old Navy and FUSA and ATT love you...Actually, all those listed on your report look to be promotional and are soft (does not hurt your score). Maybe they want to offer you more credit...?
