Printable Report

Credit Report Prepared For:
KARRIEM A JOHNSON
Report as Of: 11/20/2009
Personal & Confidential

Please Keep in a safe place for your records.
KARRIEM A JOHNSON
Report As Of: 11/20/2009
Table of Contents
Personal Information _____________________________________________________________________ 1
Report Summary ________________________________________________________________________ 2
Bankruptcy & Court Judgments ____________________________________________________________ 3
Credit Inquires __________________________________________________________________________ 4
Credit Cards, Loans & Other Debt ___________________________________________________________ 10
Credit Score ___________________________________________________________________________ 50
Experian ____________________________________________________________________________ 51
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KARRIEM A JOHNSON
Personal Information
Here 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 KARRIEM A JOHNSON KARRIEM A JOHNSON KARRIEM A JOHNSON

(Also Known As) AKA A J KARRIEM ABDUL JONHSON JOHNSON,KARRIEM,AJ
Year of Birth 1972 1972 1972
Address(es) 45566 ALPINE PL, TEMECULA, CA 45100 VIA DE LOS FIDEOS, 45100 VIA DE LOS FIDEOS,
92592-6866 TEMECULA, CA 92590 TEMECULA, CA 92590
OAKHURST CT, MURRIETA, CA 11622 COMPASS POINT DR N APT 24810 OAKHURST CT, MURRIETA,
92563 100, SAN DIEGO, CA 92126 CA 92563
45100 VIA DE LOS FIDEOS, 45566 ALPINE PL, TEMECULA, CA 821 REGULO PL 1733, CHULA
TEMECULA, CA 92590-3154 92592 VISTA, CA 91910
Current Employer ABBOTTS VASCULAR 184100 USMC

Previous Employer 199300
US NAVY ABBOTT VASCULAR
257500
Personal Statement
Your Experian Statement:
27& 09-11-09 2499947 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 VERIFYING THE
IDENTITY OF THE APPLICANT. I CAN BE REACHED AT 951-442-9398. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING 09-
11-09.
Your Equifax Statement:
No statement on file.
Your Transunion Statement:
No statement on file.
Personal Information Page 1 of 1 Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score
KARRIEM A JOHNSON
Report Summary
This section provides you some of the most important data points on the credit report.
Summary
Accounts Listed Negative 23 29 31

Collections Accounts 4 9 12
Real Estate Debt $0.00 $383.00 $883.00
Installment Debt $14,091.00 $13,991.00 $13,991.00
Revolving Debt $524.00 $524.00 $524.00
% Revolving Credit Available -74% -74% -74%
Personal Information Report Summary Page 1 of 1 Bankruptcies Credit Inquires Credit Cards & Loans Credit Score
KARRIEM A JOHNSON
Bankruptcy & Court Judgments

Here 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.
Civil judgement
Date Filed 9/25/2008

Reference # TEC083734
Court Municipal Court
Plaintiff MILITARYLOANS COM
Liability $1,902.00
Asset Amount
Personal Information Report Summary Bankruptcies Page 1 of 1 Credit Inquires Credit Cards & Loans Credit Score
KARRIEM A JOHNSON
Credit Inquiries
Here 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.
INCENTIVE FINANCIAL SE
Business Name INCENTIVE FINANCIAL SE

Inquiry Date 11/3/2009
Business Type Other Collection Agencies
510-231-9070
2345 MACDONALD AVE FL 3
RICHMOND, CA 94804
DISH NETWK
Business Name DISH NETWK DISH NETWORK

Inquiry Date 10/15/2009 10/15/2009
Business Type Satellite TV / Direct Broadcast
Miscellaneous Utilities
Providers
303-723-3106
9601 S MERIDIAN BLVD
ENGLEWOOD, CO 80112
HSBC BEST BUY
Business Name HSBC BEST BUY

Business Type National Credit Card Cos.
No Phone Provided
PO BOX 15518
WILMINGTON, DE 19850
DISH NETWORK
Business Name DISH NETWORK

Business Type Miscellaneous Utilities
No Phone Provided
9601 S. MERIDIAN BLVD
BLDG 1 FLR 3 CMO
ENGLEWOOD, CO 80112
Personal Information Report Summary Bankruptcies Credit Inquires Page 1 of 5 Credit Cards & Loans Credit Score
KARRIEM A JOHNSON
Credit Inquiries
DISH NETWK
Business Name DISH NETWK

Business Type Satellite TV / Direct Broadcast
Providers
303-723-3106
9601 S MERIDIAN BLVD
ENGLEWOOD, CO 80112
DIRECTV
Business Name DIRECTV

Business Type Miscellaneous Utilities
No Phone Provided
2230 EAST IMPERIAL HIGHWAY
MAIL STATION LA1/N367
EL SEGUNDO, CA 90245
VERIZON COMMUNICATIONS
Business Name VERIZON COMMUNICATIONS

Business Type Local Telephone Service Providers
No Phone Provided
99 SHAWN RD, FLR 2 RM 20
COCKEYSVILLE, MD 21030
TATE & KIRLI
Business Name TATE & KIRLI

Business Type Collection services
215-464-4500
2810 SOUTHAMPTON R
PHILADELPHIA, PA 19154
KARRIEM A JOHNSON
Credit Inquiries
M R S LLC
Business Name M R S LLC

856-988-0004
1930 OLNEY AVE
CHERRY HILL, NJ 08003
CREDIT ACCEPTANCE
Business Name CREDIT ACCEPTANCE

Business Type Sales Financing Company
No Phone Provided
PO BOX 513
SOUTHFIELD, MI 48037
INCENTIVE FINANCIAL SE
Business Name INCENTIVE FINANCIAL SE

510-231-9070
2345 MACDONALD AVE FL 3
RICHMOND, CA 94804
AT&T MOBILITY
Business Name AT&T MOBILITY

Business Type Telephone Companies
800-813-4505
4120 ROSEWOOD DRIVE
BLDG 1, 4TH FLOOR
PLEASANTON, CA 94500
KARRIEM A JOHNSON
Credit Inquiries
SRA ASSOCIATES
Business Name SRA ASSOCIATES

856-755-0500
401 MINNETONKA RD
SOMERDALE, NJ 08083
CREDITORS FINANCIAL
Business Name CREDITORS FINANCIAL

303-369-2345
3131 S VAUGHN WAY STE 12
AURORA, CO 80014
MACDOWELL & ASSOC LTD
Business Name MACDOWELL & ASSOC LTD

Business Type Collections Attorney
949-756-8114
3636 BIRCH ST STE 290
NEWPORT BEACH, CA 92660
HSBC AUTO
Business Name HSBC AUTO

Business Type Auto Financing Companies
800-418-1888
6602 CONVOY CT
SAN DIEGO, CA 92111
KARRIEM A JOHNSON
Credit Inquiries
MFI
Business Name MFI

Business Type Mortgage Reporters
714-899-2656
7181 GARFIELD AVE
HUNTINGTON BEACH, CA 92648
MFI CREDIT S
Business Name MFI CREDIT S

Business Type Finance other than personal
714-899-2656
7181 GARFIELD AVE
HUNTINGTON BEA, CA 92648
SCOTTRADE
Business Name SCOTTRADE

Business Type
314-965-1555
12800 CORPORATE HILL DRIVE
ST. LOUIS, MO 63131
GEMB/WALMART
Business Name GEMB/WALMART

Business Type Sales Financing
877-294-7880
P.O. BOX 981400
EL PASO, TX 79998-1400
KARRIEM A JOHNSON
Credit Cards, Loans & Other Debt

Here 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.
AMERCOMMSYS
Potentially Negative Account Name AMERCOMMSYS

Account # 24XXXX
Account Type Collection Account
559-276-6263 Balance $306.00
4670 NORTH ELCAPIT Past Due
SUITE 209 Date Opened 4/30/2007
FRESNO, CA 93722 Account Status Open
Mo. Payment
Payment Status Collection account
High Balance
Limit
Terms
Comments Placed for collection
-
Month JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
Experian
Equifax
TransUnion
ARMD FRC LNS
Potentially Negative Account Name ARMED FORCES LOANS O ARMD FRC LNS
Account # A2488XXXX A2488XXXX
Account Type Installment Installment account
702-868-6204 Balance $3,317.00 $3,317.00
Past Due $1,942.00 $1,942.00
3824 SOUTH JONES
Date Opened 10/1/2003 10/9/2003
LAS VEGAS, NV 89103
Account Status Open
Mo. Payment $320.00 $320.00
Payment Status not more than four payments past
90 days past due
due
High Balance $3,836.00 $3,836.00
Limit
Terms 12 Months
Comments UNSECURED
2007 2008 2009

Month AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL
Experian
Equifax 90 90 90 90 90 90 90 90 90 90 90 90 90 90 90 90 90 OK 90 OK 90 90 90 90
TransUnion 90 90 90 90 90 90 90 90 90 90 90 90 90 90 90 90 90 ND 90 ND 90 90 90 90
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Page 1 of 39 Credit Score
KARRIEM A JOHNSON

ARMED FORCES LOANS OF
Potentially Negative Account Name ARMED FORCES LOANS OF

Account # 8XXX
Account Type Unsecured Loan
702-868-6204 Balance $3,317.00
Past Due $1,942.00
3824 S JONES BLVD STE G
Date Opened 10/1/2003
LAS VEGAS, NV 89103
Account Status Open
Mo. Payment $320.00
Payment Status 30, 60, or 90 days past due date,
was past due 120 days or more
High Balance
Limit
Terms 12 Months
Comments
2007 2008 2009

Month SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG
Experian 90 90 90 90 90 90 90 90 ND 90 90 90 90 90 90 90 ND 90 ND 90 90 90 90 90
Equifax
TransUnion
ARROW FINANCIAL SERVIC
Account Name ARROW FINANCIAL SERVIC ARROW FINANCIAL SERV ARROW FINCL
Potentially Negative Account # 3542XXXX AFS ASSIG-3542XXXX 3542XXXX
Account Type Collection Department / Agency /
Open Account Collection Account
Attorney
800-279-0224 Balance $727.00 $727.00 $727.00
Past Due $727.00 $727.00
5996 W TOUHY AVE
Date Opened 7/1/2006 7/1/2006 7/3/2006
NILES, IL 60714
Account Status Closed Open
Mo. Payment
Payment Status Seriously past due date / assigned to
attorney, collection agency, or credit At least 120 days or more than four
Collection account
grantor's internal collection payments past due
department
High Balance $403.00
Limit
Terms 1 Month
Comments Account in dispute-reported by Account information disputed by
COLLECTION ACCOUNT
subscriber consumer
2007 2008 2009

Month JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY
Experian KD KD KD KD KD ND ND ND ND ND KD ND KD ND KD KD KD KD KD KD KD KD KD KD
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion
KARRIEM A JOHNSON

CAL SVC BUR
Potentially Negative Account Name CAL SVC BUR

Account # 210XXXX
415-892-6422 Balance $100.00
Past Due
1602 GRANT AV
NOVATO, CA 94947
Account Status Open
Mo. Payment
High Balance
Limit
Terms
-
Experian
Equifax
TransUnion
COLLECTION
Potentially Negative Account Name COLLECTION

Account # 3444XXXX
877-289-0281 Balance $114.00
Past Due
PO BOX 9134
NEEDHAM, MA 02494
Account Status Open
Mo. Payment
High Balance
Limit
Terms
-
Experian
Equifax
TransUnion
KARRIEM A JOHNSON

CREDIT MANAGEMENT LP
Account Name CREDIT MANAGEMENT LP CREDIT MANAGEMENT CMI

Potentially Negative Account # 4018XXXX 4018XXXX 4018XXXX
Collection Account Collection Account
Attorney
800-377-7789 Balance $1,332.00 $1,332.00 $1,332.00
Past Due $1,332.00
4200 INTERNATIONAL PKWY
Date Opened 6/1/2009 6/1/2009 6/12/2009
CARROLLTON, TX 75007
Mo. Payment
attorney, collection agency, or credit
Unpaid Collection account
grantor's internal collection
department
High Balance
Limit
Terms 1 Month
Comments Unpaid Placed for collection
2007 2008 2009

Month OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP
Experian KD
Equifax
TransUnion
DPT TREASURY
Potentially Negative Account Name DPT TREASURY

Account # 250XXXX
Account Type Open account
202-874-8870 Balance $176.00
Past Due $176.00
3700 EAST WEST HIG
HYATTSVILLE, MD 20782
Account Status Open
Mo. Payment
Payment Status 120 days past due
Limit
Terms
Comments
2007 2008 2009

Experian
Equifax
TransUnion 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120
KARRIEM A JOHNSON

DPT TREASURY
Potentially Negative Account Name DPT TREASURY

Account # 250XXXX
202-874-8870 Balance $107.00
Past Due $107.00
3700 EAST WEST HIG
Account Status Open
Mo. Payment
High Balance $94.00
Limit
Terms
Comments
2007 2008 2009

Experian
Equifax
TransUnion 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120
FAIR COLLECTIONS & OUT
Account Name FAIR COLLECTIONS & OUT FAIR COLLECTIONS & O FCO
Attorney
877-324-7959 Balance $1,678.00 $1,678.00 $1,678.00
Past Due $1,678.00
12304 BALTIMORE AVE STE
Date Opened 4/1/2004 4/1/2004 4/21/2004
BELTSVILLE, MD 20705
Mo. Payment
department
High Balance
Limit
Terms 1 Month
subscriber Unpaid consumer
2006 2007 2008

Experian ND ND ND ND ND ND KD ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND KD
Equifax
TransUnion
KARRIEM A JOHNSON

FIRST FED CREDIT & COL
Account Name FIRST FED CREDIT & COL FIRST FEDERAL CREDIT FFCC/ALCHRO
Attorney
305-653-7634 Balance $3,839.00 $3,839.00 $3,839.00
Past Due $3,839.00
5821 HOLLYWOOD BLVD STE
Date Opened 8/1/2006 8/1/2006 8/1/2006
HOLLYWOOD, FL 33021
Mo. Payment
department
High Balance
Limit
Terms 1 Month
2007 2008 2009

Month DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV
Experian KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD
Equifax
TransUnion
HSBC BANK
Potentially Negative Account Name HSBC BANK HSBC BANK HSBC BANK
Account # 548955600262XXXX 55600262XXXX 54895560XXXX
Account Type Credit Card - Revolving Terms Revolving or Option Revolving account
800-477-6000 Balance $524.00 $524.00 $524.00
Past Due $21.00 $21.00 $21.00
PO BOX 5253
Date Opened 3/1/2007 3/1/2007 3/26/2007
CAROL STREAM, IL 60197
Account Status Open Open
Mo. Payment $22.00 $22.00 $22.00
Payment Status Not more than two payments past
Past due 30 days 30 days past due
due
High Balance $689.00 $689.00
Limit $300.00 $300.00 $300.00
Terms Revolving Minimum
Comments CREDIT CARD
2007 2008 2009

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
KARRIEM A JOHNSON

MIDLAND CREDIT MGMT
Account Name MIDLAND CREDIT MGMT MIDLAND CREDIT MANAG MIDLAND CRED
Account Type Unknown - Credit Extension, Review,
Open Account Collection Account
Or Collection
888-403-6206 Balance $5,184.00 $5,184.00 $5,184.00
Past Due $5,184.00 $5,184.00
8875 AERO DR
Date Opened 11/1/2008 11/1/2008 11/7/2008
SAN DIEGO, CA 92123
Mo. Payment
attorney, collection agency, or credit At least 120 days or more than four
Collection account
grantor's internal collection payments past due
department
High Balance $5,184.00
Limit
Terms 1 Month
Comments COLLECTION ACCOUNT Placed for collection
2007 2008 2009

Experian KD KD KD KD KD KD KD KD KD
Equifax OK OK OK OK OK OK OK OK OK OK OK
TransUnion
MONEY CONTROL
Account Name MONEY CONTROL MONEY CONTRO

Attorney
No Phone Provided Balance $2,388.00 $2,388.00 $2,388.00
Past Due $2,388.00
PO BOX 49990
Date Opened 5/1/2008 5/1/2008 5/1/2008
RIVERSIDE, CA 92514
Mo. Payment
department
High Balance
Limit
Terms 1 Month
Comments MEDICAL
Placed for collection
Unpaid
2006 2007 2008

Month JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN
Experian KD
Equifax
TransUnion
KARRIEM A JOHNSON

NATIONAL SER
Potentially Negative Account Name NATIONAL SERVICE BUR NATIONAL SER

Account # 101XXXX 101XXXX
Account Type Collection Account Collection Account
206-361-1676 Balance $4,117.00 $4,084.00
18820 AURORA AVENU Past Due
SUITE 205 Date Opened 5/1/2004 5/26/2004
SHORELINE, WA 98133 Account Status Open
Mo. Payment
Payment Status Unpaid Collection account
High Balance
Limit
Terms
-
Experian
Equifax
TransUnion
NTL CRDT SYS
Potentially Negative Account Name NTL CRDT SYS

Account # 9799XXXX
212-213-3000 Balance $2,012.00
117 E 24TH ST Past Due
5TH FLOOR Date Opened 3/18/2004
NEW YORK, NY 10010 Account Status Open
Mo. Payment
High Balance
Limit
Terms
-
Experian
Equifax
TransUnion
KARRIEM A JOHNSON

TOT CRDT REC
Potentially Negative Account Name TOT CRDT REC

Account # 247400XXXX
800-889-6638 Balance $4,859.00
Past Due
3025 W SAHARA
LAS VEGAS, NV 89102
Account Status Open
Mo. Payment
High Balance
Limit
Terms
-
Experian
Equifax
TransUnion
TOYOTA MOTOR CREDIT CO
Potentially Negative Account Name TOYOTA MOTOR CREDIT CO TOYOTA MOTOR CREDIT TOYOTA MTR
Account Type Auto Loan Installment Installment account
949-261-7744 Balance $10,674.00 $10,674.00 $10,674.00
Past Due $1,178.00 $1,178.00 $1,178.00
2600 MICHELSON DR STE 50
Date Opened 11/1/2005 11/1/2005 11/3/2005
IRVINE, CA 92612
Account Status Open Open
Mo. Payment $589.00 $589.00 $589.00
Payment Status 30, 60, or 90 days past due date, Not more than two payments past
30 days past due
was past due 120 days or more due
High Balance $22,593.00 $22,593.00
Limit
Terms 60 Months 60 Months
Comments Subscriber reports dispute resolved - Dispute resolved; customer
consumer disagrees AUTO disagrees
2007 2008 2009

Experian 60 90 120 OK OK OK OK 30 30 OK OK OK OK OK OK OK OK 30 ND OK 30 30 30 60
Equifax 60 60 90 120 OK OK OK OK 30 30 OK OK OK OK OK OK OK OK 30 30 30 30 30 60
TransUnion 60 60 90 120 OK OK OK OK 30 30 OK OK OK OK OK OK OK OK 30 30 30 30 30 60
KARRIEM A JOHNSON

AMERICAN GENERAL FINAN
Account Name AMERICAN GENERAL FINAN AMERICAN GENERAL FIN AMER GEN FIN
Potentially Negative Closed Account # 1103212604346XXXX 1103212604346XXXX 1103212604346XXXX
Account Type Secured By Household Goods &
Installment Installment account
Other Collateral
800-382-7951 Balance $5,184.00 $0.00
Past Due $5,184.00 $0.00
PO BOX 3251
Date Opened 11/1/2003 11/1/2003 11/14/2003
EVANSVILLE, IN 47731
Account Status Closed Closed
Mo. Payment $160.00 $160.00
Payment Status Account transferred to another Bad debt & placed for collection &
Charged off as bad debt
office skip
High Balance $5,184.00 $5,184.00
Limit
Comments Transferred to another lender or CHARGED OFF ACCOUNT
Purchased by another lender
claim purchased SECURED
2006 2007 2008

Experian ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND KD KD KD OK
Equifax
TransUnion
ASCENT
Potentially Negative Closed Account Name ASCENT

866-464-1183 Balance $0.00
Past Due $0.00
P.O. BOX 10584
GREENVILLE, SC 29603
Account Status Closed
Mo. Payment
Payment Status Payment after charge off / collection
Limit
Terms
Comments Paid collection
-
Experian
Equifax
TransUnion
KARRIEM A JOHNSON

CBA
Potentially Negative Closed Account Name CBA

Account # 972XXXX
800-659-3770 Balance $0.00
25954 EDEN LANDING Past Due
FIRST FLOOR Date Opened 9/1/2005
HAYWARD, CA 94541 Account Status Closed
Mo. Payment
High Balance
Limit
Terms
-
Experian
Equifax
TransUnion
CERTIFIED RECOVERY SYS
Account Name CERTIFIED RECOVERY SYS CERTIFI RECV

Potentially Negative Closed Account # 43XXXX 43XXXX
Collection Account
Attorney
No Phone Provided Balance $0.00
Past Due
6161 SAVOY DR STE 600
Date Opened 3/1/2004 3/18/2004
HOUSTON, TX 77036
Mo. Payment
Payment Status Paid, was a collection account,
insurance claim or government claim Payment after charge off / collection
or was terminated for default
High Balance
Limit
Terms 1 Month
subscriber consumer
2005 2006 2007

Month APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR
Experian KD
Equifax
TransUnion
KARRIEM A JOHNSON

CERTIFIED RECOVERY SYS
Account Name CERTIFIED RECOVERY SYS CERTIFI RECV

Potentially Negative Closed Account # 43XXXX 43XXXX
Collection Account
Attorney
Past Due
6161 SAVOY DR STE 600
Date Opened 3/1/2004 3/12/2004
HOUSTON, TX 77036
Mo. Payment
insurance claim or government claim Payment after charge off / collection
High Balance
Limit
Terms 1 Month
subscriber consumer
2005 2006 2007

Month MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB
Experian KD
Equifax
TransUnion
CMI
Potentially Negative Closed Account Name CMI

Account # 2999XXXX
800-377-7723 Balance $0.00
Past Due
4200 INTERNATIONAL
Mo. Payment
High Balance
Limit
Terms
-
Experian
Equifax
TransUnion
KARRIEM A JOHNSON

DPT TREASURY
Potentially Negative Closed Account Name DPT TREASURY

202-874-8870 Balance $188.00
Past Due $188.00
3700 EAST WEST HIG
Mo. Payment
Limit
Terms
-
Experian
Equifax
TransUnion
DPT TREASURY
Potentially Negative Closed Account Name DPT TREASURY

202-874-8870 Balance $109.00
Past Due $109.00
3700 EAST WEST HIG
Mo. Payment
Limit
Terms
-
Experian
Equifax
TransUnion
KARRIEM A JOHNSON

EQUIDATA
Account Name EQUIDATA EQUIDATA EQUIDATA

Potentially Negative Closed Account # 315046000015XXXX 315046000015XXXX 315046000015XXXX
Attorney
757-873-3200 Balance $0.00 $0.00
Past Due
724 THIMBLE SHOALS BLVD
Date Opened 5/1/2004 5/1/2004 5/7/2004
NEWPORT NEWS, VA 23606
Mo. Payment
insurance claim or government claim Paid Payment after charge off / collection
High Balance
Limit
Terms 1 Month
Comments Paid Paid collection
2005 2006 2007

Experian KD
Equifax
TransUnion
FST PREMIER
Potentially Negative Closed Account Name FST PREMIER

Account Type Revolving account
Past Due $0.00
3820 N LOUISE AVE
SIOUX FALLS, SD 57104
Mo. Payment
Payment Status Charged off as bad debt
Limit $300.00
Terms
Comments Purchased by another lender
-
Experian
Equifax
TransUnion
KARRIEM A JOHNSON

HSBC/RS
Potentially Negative Closed Account Name HSBC/RS HSBC/RS

Account Type Revolving Charge Account Revolving account
No Phone Provided Balance $2,526.00
Past Due $0.00
90 CHRISTIANA RD
Date Opened 6/1/2003 6/19/2003
NEW CASTLE, DE 19720
Mo. Payment
Payment Status Past due 180 days Charged off as bad debt
High Balance $2,526.00 $2,526.00
Limit $2,500.00 $2,500.00
Terms Revolving
Comments Credit line closed-grantor request-
Canceled by credit grantor
reported by subscriber
2003 2004 2005

Experian OK OK OK OK OK OK OK OK OK OK OK 30 60 60 90 120 120 120 120 120 120 120 120 120
Equifax
TransUnion
JAGUAR CREDIT
Potentially Negative Closed Account Name JAGUAR CREDIT JAGUAR CREDIT JAGUAR CRED
Account Type Lease Installment Installment account
800-945-7000 Balance $0.00 $0.00
Past Due $0.00
PO BOX 111897
Date Opened 8/1/2003 8/1/2003 8/1/2003
NASHVILLE, TN 37222
Mo. Payment $554.00 $554.00
Payment Status Bad debt & placed for collection &
Charge-off Charged off as bad debt
skip
High Balance $15,236.00 $26,604.00
Limit
Comments CHARGED OFF ACCOUNT
Profit and loss writeoff
AUTO
2002 2003 2004

Experian OK 30 30 OK 30 60 60 60 60 60 60 90 RF
Equifax OK 30 30 OK 30 60 60 60 60 60 60 90 OK
TransUnion
KARRIEM A JOHNSON

MARINE FEDERAL CREDIT
Potentially Negative Closed Account Name MARINE FEDERAL CREDIT MARINE FEDERAL CREDI MARINE FCU
Account Type Unsecured Loan Installment Open account
910-577-7333 Balance $974.00 $974.00 $974.00
Past Due $0.00
159 BRYNN MARR RD
Date Opened 2/1/2002 2/1/2002 2/1/2002
JACKSONVILLE, NC 28546
Mo. Payment $151.00
skip
High Balance $974.00 $5,000.00
Limit
Terms 36 Months
2007 2008 2009

Month NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT
TransUnion
MIL STAR
Potentially Negative Closed Account Name MIL STAR

Past Due $0.00
3911 WALTON WALKER
DALLAS, TX 75266
Mo. Payment
Limit $3,400.00
Terms
Comments Transfer
2003 2004 2005

Experian
Equifax
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK 90 120 120 120 120
KARRIEM A JOHNSON

OMNI MILITRY
Potentially Negative Closed Account Name MILITARY LOANS.COM, OMNI MILITRY

Account # -570438807508XXXX 570438807508XXXX
Account Type Installment Installment account
914-576-1900 Balance $0.00 $3,710.00
Past Due $3,710.00
PO BOX 9731
Date Opened 8/1/2003 8/8/2003
LAS VEGAS, NV 89191
Mo. Payment $297.00 $297.00
Charged off as bad debt
skip
Limit
Terms 21 Months
Comments ACCOUNT TRANSFERRED OR SOLD
CHARGED OFF ACCOUNT
2006 2007
Experian
TransUnion
NAVY FEDERAL CR UNION
Potentially Negative Closed Account Name NAVY FEDERAL CR UNION NAVY FCU NAVY FCU
Account Type Unsecured Loan Installment Installment account
800-914-9494 Balance $2,256.00 $2,256.00 $2,256.00
Past Due $0.00
PO BOX 3600
Date Opened 9/1/2005 9/1/2005 9/26/2005
MERRIFIELD, VA 22116
Mo. Payment $40.00 $40.00
skip
High Balance $1,979.00 $1,979.00
Limit
Terms 72 Months Monthly
UNSECURED
2004 2005 2006

Experian OK OK OK OK 30 60 90 120 120
Equifax OK OK OK 30 60 90 120 120 120
TransUnion
KARRIEM A JOHNSON

Potentially Negative Closed Account Name NAVY FEDERAL CR UNION NAVY FEDERAL CU NAVY FCU
Account Type Credit Card - Revolving Terms Revolving or Option Revolving account
703-255-7430 Balance $12,761.00 $12,761.00 $12,761.00
Past Due $12,761.00 $12,761.00 $12,761.00
820 FOLLIN LN SE
Date Opened 12/1/1994 12/1/1994 12/15/1994
VIENNA, VA 22180
Mo. Payment
skip
High Balance $12,761.00 $12,854.00
Limit $12,000.00 $12,000.00
Terms Revolving
Credit line closed-grantor request-
ACCOUNT CLOSED BY CREDIT Canceled by credit grantor
GRANTOR
2006 2007 2008

Experian 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120
Equifax 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120
TransUnion
OMNI FINANCIAL OF NEVA
Potentially Negative Closed Account Name OMNI FINANCIAL OF NEVA OMNI FINANCIAL
Account # 570438807508XXXX -570438807508XXXX
Account Type Note Loan Installment
No Phone Provided Balance $3,710.00 $3,710.00
Past Due $3,710.00 $3,710.00
PO BOX 9731
Date Opened 8/1/2003 8/1/2003
LAS VEGAS, NV 89191
Mo. Payment $297.00
Charge-off
skip
High Balance
Limit
Terms 21 Months
2007 2008 2009

Experian KD KD KD KD KD ND KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD KD
TransUnion
KARRIEM A JOHNSON

PIONEER MILITARY LOANS
Potentially Negative Closed Account Name PIONEER MILITARY LOANS PIONEERML OF NEVADA PIONER ML NV
702-882-0284 Balance $0.00 $0.00
Past Due $0.00
4000 S EASTERN AVE STE 3
Date Opened 2/1/2005 2/1/2005 2/14/2005
LAS VEGAS, NV 89119
Mo. Payment $259.00 $259.00
skip
High Balance $6,635.00 $5,668.00
Limit
2007 2008 2009

TransUnion
PLAINS COMME
Potentially Negative Closed Account Name PLAINS COMME

800-208-5095 Balance $2,759.00
Past Due $563.00
POB 88020
Mo. Payment
Payment Status Charged off as bad debt
Limit $2,510.00
Terms
Comments Purchased by another lender
-
Experian
Equifax
TransUnion
KARRIEM A JOHNSON

PROG MGT SYS
Potentially Negative Closed Account Name PROG MGT SYS

Account # 883XXXX
800-640-9211 Balance $0.00
1521 W. CAMERON AV Past Due
FIRST FLOOR Date Opened 8/30/2004
WEST COVINA, CA 91790 Account Status Closed
Mo. Payment
High Balance
Limit
Terms
Comments Account information disputed by
consumer
-
Experian
Equifax
TransUnion
SANTANDER CONSUMER USA
Potentially Negative Closed Account Name SANTANDER CONSUMER USA SANTANDER CONSUMER U SANTANDER
214-634-1110 Balance $3,482.00 $3,482.00 $3,482.00
Past Due $1,588.00 $1,588.00 $1,588.00
8585 N STEMMONS FWY STE
Date Opened 8/1/2004 8/1/2004 8/25/2004
DALLAS, TX 75247
Mo. Payment $270.00 $270.00
skip
High Balance $9,394.00 $9,394.00
Limit
AUTO
2007 2008 2009

Experian 30 30 30 30 OK OK OK OK OK OK OK OK OK OK 30 30 30 30 30 60 90 90 KD
Equifax 30 30 30 30 OK OK OK OK OK OK OK OK OK OK 30 30 30 30 30 60 90 90 OK OK
TransUnion
KARRIEM A JOHNSON

ASCENT CARD SERVICES
Unknown Account Name ASCENT CARD SERVICES

Account Type Open Account
864-248-5785 Balance $0.00
Past Due
15 S. MAIN ST
Account Status
Mo. Payment
Payment Status At least 120 days or more than four
payments past due
Limit
Terms
Comments PAID COLLECTION
2006 2007 2008

Experian
TransUnion
BANK OF AMERICA
Unknown Account Name BANK OF AMERICA

Account Type Revolving or Option
302-791-4400 Balance $0.00
Past Due
680 BLAIR MILL ROAD
HORSHAM, PA 19044
Account Status
Mo. Payment
Payment Status Pays account as agreed
High Balance
Limit $1,700.00
Terms
2001 2002 2003

Experian
Equifax OK OK OK OK OK OK
TransUnion
KARRIEM A JOHNSON

DEPARTMENT OF TREASU
Unknown Account Name DEPARTMENT OF TREASU

202-874-8870 Balance $176.00
DEBT MANAGEMENT SERVICES Past Due $176.00
401 14TH STREET, SW, RM 446 Date Opened 1/1/0001
WASHINGTON, DC 20227 Account Status
Mo. Payment
payments past due
Limit
Terms
Comments GOVERNMENT DEBT
2007 2008 2009

Experian
Equifax 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120
TransUnion
DEPARTMENT OF TREASU
Unknown Account Name DEPARTMENT OF TREASU

202-874-8870 Balance $107.00
DEBT MANAGEMENT SERVICES Past Due $107.00
401 14TH STREET, SW, RM 446 Date Opened 1/1/0001
WASHINGTON, DC 20227 Account Status
Mo. Payment
payments past due
High Balance $94.00
Limit
Terms
Comments GOVERNMENT DEBT
2007 2008 2009

Experian
Equifax 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120
TransUnion
KARRIEM A JOHNSON

FAMILY SUPPORT DIVIS
Unknown Account Name FAMILY SUPPORT DIVIS

Account # 37000000DS240XXXX
619-338-2530 Balance $0.00
Past Due
220 WEST BROADWAY
SAN DIEGO, CA 92112
Account Status
Mo. Payment
High Balance
Limit
Terms 600 s
Comments CHILD / FAMILY SUPPORT
OBLIGATION
ACCOUNT TRANSFERRED OR SOLD
2007 2008 2009

Month FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN
Experian
Equifax OK OK OK OK OK OK OK 30 60 OK 90 60 OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion
FAMILY SUPPORT DIVISIO
Unknown Account Name FAMILY SUPPORT DIVISIO

Account Type Family Support
No Phone Provided Balance
Past Due
330 W BROADWAY STE 700
SAN DIEGO, CA 92101
Mo. Payment
Payment Status Account transferred to another
office
High Balance
Limit
Terms 1 Month
Comments
2006 2007 2008

Experian OK OK OK OK OK OK 60 ND OK OK OK OK ND 30 60 90 ND 60 OK OK OK ND OK OK
Equifax
TransUnion
KARRIEM A JOHNSON

FIRST PREMIER BANK
Unknown Account Name FIRST PREMIER BANK FIRST PREMIER

Account Type Credit Card - Revolving Terms Revolving or Option
605-357-3440 Balance $0.00
Past Due
601 S MINNESOTA AVE
Date Opened 10/1/2003 10/1/2003
Mo. Payment $20.00
Payment Status Account transferred to another Bad debt & placed for collection &
office skip
Limit $0.00
Terms Revolving
Comments Transferred to another lender or ACCOUNT TRANSFERRED OR SOLD
claim purchased CHARGED OFF ACCOUNT
2005 2006 2007

Experian ND ND ND ND ND ND ND ND ND ND ND ND ND ND KD
TransUnion
HSBC BANK
Unknown Account Name HSBC BANK HSBC BANK

Account Type Credit Card - Revolving Terms
800-477-6000 Balance
Past Due
PO BOX 5253
Date Opened 3/1/2007 3/1/2007
Mo. Payment
Payment Status Credit card lost or stolen LOST OR STOLEN CARD
Limit $0.00
Terms Revolving
2006 2007 2008

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion
KARRIEM A JOHNSON

LOANS FOR MILITARY
Unknown Account Name LOANS FOR MILITARY

Account # 570438807A0XXXX
Account Type Installment
305-682-9091 Balance $3,839.00
Past Due $3,839.00
222 PHILADELPHIA PIKE
Account Status
Mo. Payment $384.00
payments past due
Limit
Terms
Comments COLLECTION ACCOUNT
UNSECURED
2004 2005 2006

Experian
TransUnion
MILITARY STAR
Unknown Account Name MILITARY STAR

Account Type Revolving Charge Account
Past Due
3911 S WALTON WALKER BLV
DALLAS, TX 75236
Mo. Payment
office
Limit $3,703.00
Terms Revolving
Comments
2003 2004 2005

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK 90 120 120 120 120 OK
Equifax
TransUnion
KARRIEM A JOHNSON

Unknown Account Name NAVY FEDERAL CR UNION

Account Type Credit Card - Revolving Terms
703-255-7430 Balance
Past Due
820 FOLLIN LN SE
VIENNA, VA 22180
Mo. Payment
office
Limit $10,600.00
Terms Revolving
Comments
1998 1999 2000

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax
TransUnion
NAVY FEDERAL CU
Unknown Account Name NAVY FEDERAL CU

Account Type Revolving or Option
800-336-3333 Balance $0.00
Past Due
ONE SECURITY PLACE
MERRIFIELD, VA 22119-0001
Account Status
Mo. Payment
High Balance
Limit $12,000.00
Terms
2001 2002 2003

Month MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
Experian
TransUnion
KARRIEM A JOHNSON

OKMC
Unknown Account Name OKMC

Account Type Va Real Estate Loan
Past Due
4420 44TH ST SE
GRAND RAPIDS, MI 49512
Mo. Payment
office
High Balance
Limit
Terms 360 Months
Comments
1999 2000 2001

Experian OK OK OK OK ND OK OK ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax
TransUnion
PLAINS COMMERCE BANK/C
Unknown Account Name PLAINS COMMERCE BANK/C PLAINS COMMERCE BANK

Account Type Credit Card - Revolving Terms Revolving or Option
800-208-5095 Balance $0.00
Past Due
2101 W 51ST STE 34
Date Opened 5/1/2007 5/1/2007
Mo. Payment
Pays account as agreed
office
Limit $2,510.00
Terms Revolving
Comments Transferred to another lender or ACCOUNT TRANSFERRED OR SOLD
claim purchased CREDIT CARD
2006 2007 2008

Experian OK OK OK OK OK OK 30 60 90 120
Equifax OK OK OK OK OK OK 30 60 90 120 120
TransUnion
KARRIEM A JOHNSON

PROGRESSIVE MANAGEME
Unknown Account Name PROGRESSIVE MANAGEME

Account # 883XXXX
800-640-9211 Balance $0.00
1521 W CAMERON AV Past Due
MANAGEMENT Date Opened 8/1/2004
WEST COVINA, CA 91790 Account Status
Mo. Payment
Payment Status Paid
High Balance
Limit
Terms
Comments
Paid
-
Experian
Equifax
TransUnion
Current Account Name FAMILY SUPPORT DIVISIO FAMILY SUPPORT DIVIS

Account Type Family Support Open Account
No Phone Provided Balance $100.00 $100.00
Past Due
Date Opened 5/1/2006 5/1/2006
SAN DIEGO, CA 92101
Account Status Open
Mo. Payment $100.00
Payment Status Current, was past due 150 days Pays account as agreed
High Balance
Limit
Terms 1 Month 100 s
Comments CHILD / FAMILY SUPPORT
OBLIGATION
2007 2008 2009

Experian OK OK 30 60 90 120 120 OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 90 120 120 OK OK OK OK OK
TransUnion
KARRIEM A JOHNSON

Current Account Name FAMILY SUPPORT DIVISIO

Account Type Family Support
No Phone Provided Balance $14,052.00
Past Due
SAN DIEGO, CA 92101
Account Status Open
Mo. Payment $600.00
Payment Status Current, was a collection account,
insurance claim, government claim or
terminated for default
High Balance
Limit
Terms 1 Month
Comments
2005 2006 2007

Experian KD ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND OK OK
Equifax
TransUnion
FIFTH THIRD BANK
Current Account Name FIFTH THIRD BANK FIFTH THIRD

Account Type Va Real Estate Loan Mortgage account
513-579-5353 Balance
Past Due $0.00
38 FOUNTAIN SQUARE PLZ
Date Opened 12/1/1998 12/1/1998
CINCINNATI, OH 45202
Mo. Payment $1,112.00
Payment Status Paid satisfactorily Paid or paying as agreed
Limit
Comments
2001 2002 2003

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax
TransUnion OK OK OK OK OK OK
KARRIEM A JOHNSON

SAN DIEGO CO
Current Account Name SAN DIEGO CO

Account # 7306XXXX
619-531-4060 Balance $600.00
Past Due $0.00
POB 1909
SAN DIEGO, CA 92112
Account Status Open
Mo. Payment $600.00
Payment Status Paid or paying as agreed
High Balance $0.00
Limit
Terms Minimum
Comments
-
Experian
Equifax
TransUnion
AMEX
Current Closed Account Name AMERICAN EXPRESS AMEX

Account # -87801097101630XXXX 87801097101630XXXX
Account Type Revolving or Option Revolving account
800-874-2717 Balance $1,346.00
Past Due $0.00
P.O. BOX 981537
Date Opened 2/1/2003 2/1/2003
EL PASO, TX 79998
Mo. Payment
Payment Status Pays account as agreed Unrated
High Balance $1,476.00 $1,476.00
Limit $5,300.00
Terms
Comments
Account closed by consumer
CREDIT CARD
2001 2002 2003

Experian
Equifax OK OK OK OK OK OK
TransUnion OK ND ND OK
KARRIEM A JOHNSON

AMERICAN GENERAL FINAN
Account Name AMERICAN GENERAL FINAN AMERICAN GENERAL FIN AMER GEN FIN
Current Closed Account # 903115601242XXXX 903115601242XXXX 903115601242XXXX
Account Type Secured By Household Goods &
Installment Installment account
Other Collateral
858-695-1820 Balance $0.00 $0.00
Past Due $0.00
9909 MIRA MESA BLVD STE
Date Opened 9/1/2003 9/1/2003 9/19/2003
SAN DIEGO, CA 92131
Mo. Payment $120.00 $120.00
Payment Status Paid satisfactorily Pays account as agreed Paid or paying as agreed
High Balance $3,631.00 $3,631.00
Limit
Comments SECURED Closed
2001 2002 2003

Experian OK
Equifax OK OK
TransUnion OK OK ND
ASCENT CARD SERVICES
Account Name ASCENT CARD SERVICES

Current Closed Account # 032860110034XXXX
Account Type Unknown - Credit Extension, Review,
Or Collection
866-464-1183 Balance
Past Due
PO BOX 10497
Mo. Payment
insurance claim or government claim
High Balance
Limit
Terms 1 Month
Comments
2005 2006 2007

Experian KD
Equifax
TransUnion
KARRIEM A JOHNSON

BAC HOME LOANS SERVICI
Account Name BAC HOME LOANS SERVICI BAC HOME LOANS SERVI BACHOMELOANS
Account Type Real Estate Mortgage - With Or
Without Other Collateral. Usually A Installment Mortgage account
Second Mortgage
No Phone Provided Balance $0.00 $0.00
Past Due $0.00
450 AMERICAN ST
Date Opened 1/1/2004 1/1/2004 1/26/2004
SIMI VALLEY, CA 93065
Mo. Payment $1,654.00 $1,654.00
Pays account as agreed Unrated
office
High Balance $255,200.00 $255,200.00
Limit
Comments Transferred to another lender or
claim purchased PAID ACCOUNT / ZERO BALANCE
2005 2006 2007

Experian OK OK OK OK OK OK OK
BAC HOME LOANS SERVICI
Account Name BAC HOME LOANS SERVICI BAC HOME LOANS SERVI
Current Closed Account # 5135XXXX 5135XXXX
Account Type Conventional Real Estate Loan,
Real Estate
Including Purchase Money First
Past Due
450 AMERICAN ST
Date Opened 1/1/2004 1/1/2004
SIMI VALLEY, CA 93065
Mo. Payment $0.00
Payment Status Paid satisfactorily Pays account as agreed
Limit
Terms 360 Months
Comments Credit line closed-consumer request- ACCOUNT TRANSFERRED OR SOLD
reported by subscriber SECOND MORTGAGE
2005 2006 2007

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion
KARRIEM A JOHNSON

CALIFORNIA RECOVERY BU
Account Name CALIFORNIA RECOVERY BU

Current Closed Account # 130XXXX
Attorney
760-891-0777 Balance
Past Due
135 VALLECITOS DE ORO ST
SAN MARCOS, CA 92069
Mo. Payment
Payment Status Legally paid in full for less than the
full balance
High Balance
Limit
Terms Unknown
Comments Election of remedy - reported by
subscriber
2006 2007 2008

Experian KD ND ND KD
Equifax
TransUnion
CBA COLLECTION BUREAU
Account Name CBA COLLECTION BUREAU CBA COLLECTION BUREA

Collection Account
Attorney
800-659-3770 Balance $90.00
Past Due
25954 EDEN LANDING RD
Date Opened 9/1/2005 9/1/2005
HAYWARD, CA 94545
Mo. Payment
insurance claim or government claim Unpaid
High Balance
Limit
Terms 1 Month
Comments Unpaid
2005 2006 2007

Experian KD ND ND ND ND ND ND ND ND ND ND ND ND OK
Equifax
TransUnion
KARRIEM A JOHNSON

CREDIT MANAGEMENT LP
Account Name CREDIT MANAGEMENT LP CREDIT MANAGEMENT

Collection Account
Attorney
800-377-7789 Balance $0.00
Past Due
4200 INTERNATIONAL PKWY
Date Opened 7/1/2005 7/1/2005
Mo. Payment
insurance claim or government claim Paid
High Balance
Limit
Terms 1 Month
Comments Paid
2005 2006 2007

Experian KD
Equifax
TransUnion
FIRST USA BANK N A
Current Closed Account Name FIRST USA BANK N A FST USA BK B

Account Type Credit Card - Revolving Terms Revolving account
800-955-9900 Balance $0.00
Past Due $0.00
1001 JEFFERSON PLAZA
Date Opened 9/1/1999 9/1/1999
Mo. Payment
Payment Status Paid satisfactorily Unrated
High Balance $5,000.00 $0.00
Limit $5,000.00 $5,000.00
Terms Revolving
Comments Credit line closed-consumer request-
1998 1999 2000

Experian OK OK OK OK OK OK OK OK ND OK OK OK
Equifax
TransUnion
KARRIEM A JOHNSON

FORD CRED
Current Closed Account Name FORD CRED

Account # FNN311XXXX
Account Type Lease
Past Due
PO BOX BOX 542000
OMAHA, NE 68154
Mo. Payment
Payment Status Paid satisfactorily
High Balance
Limit
Terms 36 Months
Comments
1998 1999 2000

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK ND OK OK OK OK OK OK
Equifax
TransUnion
FRD MOTOR CR
Current Closed Account Name FRD MOTOR CR

Account # FNN311XXXX
Account Type Installment account
800-727-7000 Balance $0.00
Past Due $0.00
POB 542000
OMAHA, NE 68154
Mo. Payment $338.00
Limit
Terms 36 Months
Comments Closed
1998 1999 2000

Experian
Equifax
TransUnion OK
KARRIEM A JOHNSON

GDYR/CBSD
Current Closed Account Name GDYR/CBSD

Account Type Revolving Charge Account
Past Due
PO BOX 6497
Mo. Payment
Payment Status Paid satisfactorily
High Balance
Limit $1,050.00
Terms Revolving
Comments
2002 2003 2004

Experian OK ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND OK OK OK
Equifax
TransUnion
GOODYEARCBSD
Current Closed Account Name GOODYEARCBSD

Past Due $0.00
PO BOX 6497
Mo. Payment
High Balance $0.00
Limit $1,100.00
Terms
Comments Closed
2002 2003 2004

Experian
Equifax
TransUnion OK OK ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND OK OK
KARRIEM A JOHNSON

HSBC BANK
Current Closed Account Name HSBC BANK

800-477-6000 Balance $0.00
Past Due $0.00
PO BOX 5253
Mo. Payment
Limit $0.00
Terms
Comments Credit card lost or stolen
2006 2007 2008

Experian
Equifax
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK
HSBC MORTGAGE CORP USA
Account Name HSBC MORTGAGE CORP USA HSBC MORTGAGE CORPOR HSBC MORTUSA
Account Type Real Estate Mortgage - With Or
Without Other Collateral. Usually A Real Estate Mortgage account
Second Mortgage
716-651-6111 Balance $0.00 $0.00
Past Due $0.00
2929 WALDEN AVE
Date Opened 1/1/2004 1/1/2004 1/26/2004
DEPEW, NY 14043
Mo. Payment $554.00 $554.00
Payment Status Paid satisfactorily Pays account as agreed Paid or paying as agreed
High Balance $63,800.00 $63,800.00
Limit
Comments PAID ACCOUNT / ZERO BALANCE
Closed
REAL ESTATE MORTGAGE
2005 2006 2007

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
KARRIEM A JOHNSON

Current Closed Account Name NAVY FEDERAL CR UNION NAVY FCU NAVY FCU
800-914-9494 Balance $0.00 $0.00
Past Due $0.00
PO BOX 3600
Date Opened 7/1/2000 7/1/2000 7/17/2000
Mo. Payment $300.00 $300.00
Payment Status Paid satisfactorily Pays account as agreed Unrated
High Balance $14,645.00 $14,645.00
Limit
reported by subscriber AUTO
2001 2002 2003

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Account Name NAVY FEDERAL CR UNION NAVY FCU NAVY FCU

Account Type Overdraft / reserve checking
Check Credit Or Line Of Credit Revolving or Option
account
800-914-9494 Balance $0.00 $0.00
Past Due $0.00
PO BOX 3600
Date Opened 2/1/1998 2/1/1998 2/23/1998
Mo. Payment
Payment Status Paid, was past due 30 days Pays account as agreed Paid or paying as agreed
High Balance $2,062.00 $2,000.00 $2,062.00
Limit $2,000.00 $2,000.00
Terms Revolving
Comments PAID ACCOUNT / ZERO BALANCE
Credit line closed-grantor request-
ACCOUNT CLOSED BY CREDIT Canceled by credit grantor
GRANTOR
2003 2004 2005

Experian OK OK OK OK OK OK OK OK OK 30
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30
TransUnion OK OK OK OK OK ND OK OK ND 30
KARRIEM A JOHNSON

PIONEER MILITARY LOANS
Current Closed Account Name PIONEER MILITARY LOANS PIONEERML OF NEVADA PIONER ML NV
702-882-0284 Balance $0.00 $0.00
Past Due $0.00
4000 S EASTERN AVE STE 3
Date Opened 7/1/2003 7/1/2003 7/21/2003
LAS VEGAS, NV 89119
Mo. Payment $267.00 $267.00
Payment Status Account renewed or refinanced Pays account as agreed Unrated
High Balance $7,476.00 $7,476.00
Limit
reported by subscriber PAID ACCOUNT / ZERO BALANCE
2003 2004 2005

Experian OK OK OK OK OK OK ND OK OK OK OK OK OK 30 OK OK OK OK OK OK
Equifax OK OK OK OK OK 30 OK OK OK OK OK OK 30 OK OK OK OK OK OK
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
SAN DIEGO CO
Current Closed Account Name SAN DIEGO CO

Account # 37000000DXXXX
619-531-4060 Balance $0.00
Past Due $0.00
POB 1909
SAN DIEGO, CA 92112
Mo. Payment
High Balance $0.00
Limit
Terms
Comments Transfer
2007 2008 2009

Experian
Equifax
TransUnion 60 ND OK OK OK OK ND 30 ND 60 120 60 OK ND OK ND OK OK OK ND ND ND ND ND
KARRIEM A JOHNSON

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
KARRIEM A JOHNSON
Credit Score
Your 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.
KARRIEM A JOHNSON
Credit Score
511 499 522
Very Poor
Your Experian PLUS Score Explanation

Percentile: Your credit rating ranks higher than 1.08% of U.S. consumers.
What factors RAISE you PLUS Score: What factors LOWER you PLUS Score:
● Your credit report does not contain negative public records, such as a ● Your payment history shows 1 or more payments that were late by 30
bankruptcy, lien, lawsuit or judgment filed within the last two years. days or more. Late payments count negatively against your credit
This is having a positive impact on your credit score. Public record score. Negative information can stay on your credit report for up to 7
items may remain on your credit report for 7 to 15 years, depending on years for some items, up to 10 years for bankruptcies and 15 years for
the item. unpaid tax liens.
● Your overall balances are close to your overall credit limits, which may
be lowering your score. Having high credit limits shows lenders that
you are responsible with your credit, but when your balances are also
high, it can indicate to lenders that you are likely to overextend yourself.
● Having low credit limits on your accounts and loans counts negatively
against your credit score. Having a high amount of credit is a positive
factor because it indicates to lenders that other creditors have trusted
you by lending you money in the past. However, since your major
credit card limits are generally low, lenders may think you dont have
enough experience with high limits.
● 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.
Personal Information Report Summary Bankruptcies Credit Inquires Credit Cards & Loans Credit Score Page 1 of 3
KARRIEM A JOHNSON
Credit Score
511 499 522

Very Poor
Your EquiFax PLUS Score Explanation

● Your credit report does not contain negative public records, such as a ● Your payment history shows 1 or more payments that were late by 30
bankruptcy, lien, lawsuit or judgment filed within the last two years. days or more. Late payments count negatively against your credit
This is having a positive impact on your credit score. Public record score. Negative information can stay on your credit report for up to 7
items may remain on your credit report for 7 to 15 years, depending on years for some items, up to 10 years for bankruptcies and 15 years for
the item. unpaid tax liens.
● 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.
KARRIEM A JOHNSON
Credit Score
511 499 522

Very Poor
Your TransUnion PLUS Score Explanation

● Your credit file shows no record of any current delinquencies on real ● Your payment history shows 1 or more payments that were late by 30
estate accounts, such as a mortgage. Having real estate accounts in days or more. Late payments count negatively against your credit
good standing is viewed positively by lenders. 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.
● At least 1 or more of your accounts has a balance that is close to your

credit limit, which may be lowering your score. When your balance is
high, this can indicate to lenders that you are likely to overextend
yourself.

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Credit Report Prepared For:

Personal & Confidential

Personal Information _____________________________________________________________________ 1

Report Summary ________________________________________________________________________ 2

Bankruptcy & Court Judgments ____________________________________________________________ 3

Credit Inquires __________________________________________________________________________ 4

Credit Cards, Loans & Other Debt ___________________________________________________________ 10

Credit Score ___________________________________________________________________________ 50

FreeCreditReport.com | A Part of Experian

Name KARRIEM A JOHNSON KARRIEM A JOHNSON KARRIEM A JOHNSON

Current Employer ABBOTTS VASCULAR 184100 USMC

Your Experian Statement:

Your Equifax Statement:

Your Transunion Statement:

Accounts Listed Negative 23 29 31

Bankruptcy & Court Judgments

Date Filed 9/25/2008

Business Name INCENTIVE FINANCIAL SE

Business Name DISH NETWK DISH NETWORK

HSBC BEST BUY

Business Name HSBC BEST BUY

Business Name DISH NETWORK

Business Name DISH NETWK

Business Name DIRECTV

Business Name VERIZON COMMUNICATIONS

TATE & KIRLI

Business Name TATE & KIRLI

Business Name M R S LLC

Business Name CREDIT ACCEPTANCE

Business Name INCENTIVE FINANCIAL SE

Business Name AT&T MOBILITY

Business Name SRA ASSOCIATES

Business Name CREDITORS FINANCIAL

MACDOWELL & ASSOC LTD

Business Name MACDOWELL & ASSOC LTD

Business Name HSBC AUTO

Business Name MFI

Business Name MFI CREDIT S

Business Name SCOTTRADE

Business Name GEMB/WALMART

Credit Cards, Loans & Other Debt

Potentially Negative Account Name AMERCOMMSYS

ARMD FRC LNS

2007 2008 2009

Credit Cards, Loans & Other Debt

ARMED FORCES LOANS OF

Potentially Negative Account Name ARMED FORCES LOANS OF

2007 2008 2009

ARROW FINANCIAL SERVIC

2007 2008 2009

Credit Cards, Loans & Other Debt

CAL SVC BUR

Potentially Negative Account Name CAL SVC BUR

Potentially Negative Account Name COLLECTION

Credit Cards, Loans & Other Debt

Account Name CREDIT MANAGEMENT LP CREDIT MANAGEMENT CMI

2007 2008 2009

Potentially Negative Account Name DPT TREASURY

2007 2008 2009

Credit Cards, Loans & Other Debt

Potentially Negative Account Name DPT TREASURY

2007 2008 2009

FAIR COLLECTIONS & OUT

2006 2007 2008