PCS Credit Report

5550 Merrick Road Suite #203 Tel: (516) 799-9600
Massapequa, NY 11758 Fax: (516) 799-9610
www.platinumcreditservices.com
PLATINUM CREDIT E-Mail:
SERVICES
PREPARED FOR:

Platinum Credit Services, Inc.
5550 MERRICK ROAD, SUITE 203 MASSAPEQUA, NY 11758
Reference #: AHBPF-5012004 Request Date: 2/16/2007
AUS Reference #: Completed Date: 2/16/2007
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Credit Assure
Applicant: CONSUMER, JONATHON

High Middle Low
Credit bureau Experian Equifax TransUnion
Current score 700 670 664
Potential improvement* +44 +10 +60
Opportunity type Credit management Credit management Credit management
Timeframe 30 days 30 days 30 days
Potential score 744 680 724

*Potential Improvement
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Credit Assure and the effect of time. Time may account for none, some, or all of a potential improvement, and may decrease it or even cause it to be negative.

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CreditXpert® products are based on information derived from credit reports produced by the major credit reporting agencies. CreditXpert Inc. is not responsible for inaccurate results, including
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AHBPF-5012004

SERVICES
PREPARED FOR:

Attention: PCS Prepared By: Report Type: TRI-MERGE
Reference #: AHBPF-5012004 Request Date: 2/16/2007 Sources: TU, EFX and XPN
Password: b2JzphMzQ7 Completed Date: 2/16/2007 Loan Type:
Client Loan #: Client #: 100 ECOA Type: INDIVIDUAL
AUS Reference #:
Loan Officer:

Applicant Information
Applicant: CONSUMER, JONATHON DOB: 11/07/1938 SSN#: ***-**-6789
Co-Applicant: DOB: SSN#:
Street Address: 10655 N BIRCH STREET Marital Status:
City, State, Zip: BURBANK, CA 90210 Own/Rent:
Length of Time: Dependants:
Property:

Score Information
FOR: CONSUMER,
EFX BEACON 5.0 SCORE 670 Range 300 to 850
JONATHAN Q JR
Score Date: 2/16/2007 EFX-1
39 SERIOUS DELINQUENCY
14 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
13 TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
08 TOO MANY INQUIRIES LAST 12 MONTHS

FOR: CONSUMER,
TU FICO CLASSIC 04 664 Range 336 to 843
JONATHON Q
Score Date: 2/16/2007 TU-1
016 LACK OF RECENT REVOLVING ACCOUNT INFORMATION
INQUIRIES IMPACTED THE CREDIT SCORE

AHBPF-5012004 Page 1 of 5

Score Information
FOR: CONSUMER,
XPN/FAIR, ISAAC MODEL II +700 Range 300 to 850
JONATHAN QUINCY
Score Date: 2/16/2007 XPN-1
22 SERIOUS DELINQUENCY, DEROGATORY PUBLIC RECORD OR COLLECTION FILED
18 NUMBER OF ACCOUNTS WITH DELINQUENCY
34 AMOUNT OWED ON DELINQUENT ACCOUNTS

Employment Information
Applicant Co-Applicant
Employer: AJAX HARDWARE Employer:
Position Held: Position Held:
Start/Stop Dates: Start/Stop Dates:
Income: Income:
Verified By/Date: Verified By/Date:
See Additional Employment section for more information.

Trade Information
Date Date High Balance Current Historical Status
Creditor Name Terms Past Due
Reported Opened Credit Owing Status
Credit Acct. Times Past Due Last Past
Account Number DLA ECOA #Mo
Limit Type 30 60 90 Due

HOME FINANCIAL 01/98 05/90 400000 234000 3128 CURR 92 0 0 0
24000098500012 12/97 INST 2 XPN-1
Loan Term: 360M
AMOUNT IS ORIGINAL LOAN AMOUNT
OPEN ACCOUNT
THIS IS AN ACCOUNT IN GOOD STANDING
REAL ESTATE SPECIFIC TYPE UNKNOWN

CENTRAL BANK 06/96 12/93 22350 11050 465 30 SLOW 31 1 0 0 465
23802654388 05/96 INST 1 XPN-1 06/96
Loan Term: 48M
OPEN ACCOUNT
ACCOUNT 30 DAYS PAST DUE DATE
AUTO LOAN

HAROLDS 02/07 04/99 300 0 CURR 88 0 0 0
3059100576 01/05 REV I EFX-1
ACCOUNT CLOSED BY CONSUMER
CHARGE

ISLAND SAVINGS 10/97 05/96 5700 0 CURR 18 0 0 0
405855254820 7000 REV 2 XPN-1
CREDIT LINE CLOSED-CONSUMER REQUESTED-REPORTED BY SUBSCRIBER
CLOSED ACCOUNT
THIS IS AN ACCOUNT IN GOOD STANDING
CREDIT CARD, TERMS REV

MEDWAY 10/01 12/99 3200 0 111 UNRATED 13 0 0 0
19006544000001 INST I EFX-1
UNSECURED


Trade Information
Date Date High Balance Current Historical Status
Creditor Name Terms Past Due
Reported Opened Credit Owing Status
Credit Acct. Times Past Due Last Past
Account Number DLA ECOA #Mo
Limit Type 30 60 90 Due

SCHOOLS FCU 01/07 09/05 0 0 800 CURR 48 0 0 0
307419060205 INST I TU-1
Loan Term: 36M
CLOSED OR PAID ACCOUNT/ZERO BALANCE
RECREATIONAL MERCHANDISE

SCHOOLS FCU 01/07 09/05 0 0 CURR 48 0 0 0
307419060300 INST I TU-1
CLOSED OR PAID ACCOUNT/ZERO BALANCE
RECREATIONAL MERCHANDISE

SCHOOLS FCU 01/07 09/05 0 0 CURR 16 0 0 0 0
30741906 REV I TU-1
LINE OF CREDIT
CLOSED

Collection Information
Date Date High
Account Name Balance Acct. Type Account Status Past Due
Reported Opened Credit
Last Past
Account Number Client Credit Limit ECOA
Due

CREDIT AND COLLECTION 04/96 09/94 500 250 CHG OFF
98E543182136 DR. JOHN KILDARE 2 XPN-1 09/94
CUSTOMER DISPUTED ACCOUNT - REPORTED BY SUBSCRIBER
ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT
GRANTOR'S INTERNAL COLLECTION DEPARTMENT
UNKNOWN - CREDIT EXTENSION, REVIEW, OR COLLECTION

Public Record Information
Date Original
Public Record Type Date Filed Balance Current Status Amount Past Due
Reported Amount
Case/Court Number Name Segment
OBTAINED THROUGH TU, EFX and XPN
THE REPORTING BUREAU CERTIFIES THAT: public records have been checked for judgments, foreclosures, garnishments, bankruptcies,
tax liens, and other legal actions involving the subject(s). Public Records were obtained directly through the repositories used, or by direct
searches, or a public records search firm other than the repository, or by all methods with the following results:
BANKRUPTCY CH-13 LIAB ASSET EXEMPT XPN-1
35054539906234561 / 3009999 02/93 02/93 100000 8500 BK 13-PETIT
BK 13-PETIT
U S BANKRUPTCY COURT
VOLUNTARY

Additional Employment Information
Current Employment - Applicant

Employer: AJAX HARDWARE Hire Date: Date Discharged:

Additional Address Information
Former Address(es)
W 10655 BIRCH ST, BURBANK, CA 91502 12/08/2004 TU-1


Inquiries
PLATINUM CR 2/16/2007 TU-1

ISSOLUT 1/29/2007 EFX-1

Creditor Information List
Company Phone Address City,State,Zip

MEDWAY SAVINGS BANK 81 MAIN STREET MEDWAY MA 02053

Source(s) of Information
File Segment File Holder Name Social Security # Address

EFX-1 CONSUMER, JONATHAN Q JR

TU-1 CONSUMER, JONATHON Q ***-**-8956 N 10633 BIRCH ST, NORTH HOLLYWOOD, CA
91603

XPN-1 CONSUMER, JONATHAN QUINCY ***-**-9990 10655 N BIRCH ST, BURBANK, CA 91502-1234

Alerts and Validation
ID FRAUD VICTIM ALERT XPN-1
**#HK# ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY
HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT
WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICANT INFORMATION. THIS SECURITY ALERT
WILL BE MAINTAINED FOR 90 DAYS BEGINNING 05-01-02.

EDIT ALERT TU-1
PI01 - SOCIAL SECURITY NUMBER. INVALID FORMAT IGNORED.

The following AKA(s) were reported
Name SSN # DOB

SMITH, JOHN ** XPN-1

** Indicates Additional Information May Exist


Profile Summary

Credit History Summary Derogatory Summary
Count Balance Payments Past Due Count
Mortgage: 1 $234000 $3128 $0 Charge Offs: 0
Auto: 1 $11050 $465 $465 Collections: 1
Education: 0 $0 $0 $0 Incl. in Bankruptcy: 0
Installment: 3 $0 $911 $0 Late 30 Days: 1
Open: 0 $0 $0 $0 Late 60 Days: 0
Revolving: 2 $0 $0 $0 Late 90 Days: 0
Other: 1 $0 $0 $0 Public Records: 1
Total: 8 $245050 $4504 $465 Inquiries*: 2
Secured Debt: $234000
Unsecured Debt: $11050
*Number of inquires within the last 90 days

Notice: This is a Merged report containing information supplied by the sources shown. The merge process is
automated and the report may include some duplications and/or omissions.

Bureau Addresses
EQUIFAX PO BOX 105873, ATLANTA, GA 30348 (800) 685-1111
EXPERIAN PO BOX 2002, ALLEN, TX 75013 (888) 397-3742
TRANSUNION 2 BALDWIN PLACE, P. O. BOX 1000, CHESTER, PA 19022 (800) 888-4213

This credit report is for the intended use of originating entity only. Use of this credit report by any other entity other than the originating entity
constitutes second use. Second use users are required to post a secondary use inquiry on the consumer credit file. In addition, a Client Service
Agreement must be completed and forwarded to the originating Credit Reporting Agency. Second use users can log onto the following website to
post second use information and obtain a copy of the Client Service Agreement. https://www.xpertonline.net/SecondUse

*** END OF REPORT - 3/19/2007 9:50:45 AM ***


SERVICES
PREPARED FOR:

Reference #: AHBPF-5012004 Request Date: 2/16/2007
AUS Reference #: Completed Date: 2/16/2007

Applicant Information
Applicant: CONSUMER, JONATHON 11/07/1938 SSN#: ***-**-6789
Co-Applicant: SSN#:
Street Address: 10655 N BIRCH STREET
City, State, Zip: BURBANK, CA 90210

Score Information
FOR: CONSUMER,
EFX BEACON 5.0 SCORE 670 Range 300 to 850
JONATHAN Q JR
Score Date: 2/16/2007 EFX-1
08 TOO MANY INQUIRIES LAST 12 MONTHS

FOR: CONSUMER,
TU FICO CLASSIC 04 664 Range 336 to 843
JONATHON Q
Score Date: 2/16/2007 TU-1
016 LACK OF RECENT REVOLVING ACCOUNT INFORMATION
INQUIRIES IMPACTED THE CREDIT SCORE

FOR: CONSUMER,
XPN/FAIR, ISAAC MODEL II +700 Range 300 to 850
JONATHAN QUINCY
Score Date: 2/16/2007 XPN-1
22 SERIOUS DELINQUENCY, DEROGATORY PUBLIC RECORD OR COLLECTION FILED
18 NUMBER OF ACCOUNTS WITH DELINQUENCY
34 AMOUNT OWED ON DELINQUENT ACCOUNTS

AHBPF-5012004 SCORE PAGE

SCORE(S) DISCLOSURE
NOTICE TO HOME LOAN APPLICANT
In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency
(credit bureau) distributed to users and the lender used in connection with your home loan, and the key factors affecting your
credit scores.
The credit score is a computer generated summary calculated at the time of the request and based on information a consumer
reporting agency (credit bureau) or lender has on file. The scores are based on data about your credit history and payment
patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan.
They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time,
depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change.
Because the score is based on information in your credit history, it is very important that you review the credit related
information that is being furnished to make sure it is accurate. Credit records may vary from one company to another.
If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting
agency (credit bureau) at the address and telephone number provided with this notice, or contact the lender, if the lender
developed or generated the credit score. The consumer reporting agency (credit bureau) plays no part in the decision to take any
action on the loan application and is unable to provide you with specific reasons for the decision on a loan application.
If you have questions concerning the terms of the loan, contact the lender
**The credit reporting agency (CRA) is allowed to charge a reasonable fee for this disclosure**
EQUIFAX PO BOX 105873, ATLANTA, GA 30348 (800) 685-1111
EXPERIAN PO BOX 2002, ALLEN, TX 75013 (888) 397-3742
TRANSUNION 2 BALDWIN PLACE, P. O. BOX 1000, CHESTER, PA 19022 (800) 888-4213

I/We have received a copy of this disclosure as required by Federal Law and understand my/our rights
regarding my/our credit scores

(Applicant): JONATHON CONSUMER Date

AHBPF-5012004 SCORE PAGE

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