FRAUD ADVISOR:FRAUD DETECTION TOOL

Types, Names, Descriptions, Testimony
David A. Szwak

FRAUD ADVISOR:FRAUD DETECTION TOOL

Postby David A. Szwak » Thu Nov 03, 2005 6:36 pm

Sample Report
Identify, rank order and translate risk potential while verifying consumer ID.

EQUIFAX FRAUD Report
EQUIFAX
P O BOX 740241
ATLANTA GA 303740241
8006851111
Date Reported: 5/19/2003


Personal InformationName: PAULA CCERASTOSTIGMA Date of Birth: 5/2/1974
SSN: 574-46-2864 Phone:
On File Since: 5/2/1993

Address: 45231 MOESIA RD
BOLIVIA NC
Reported On: 2/1/1999

Address: 701 MXKKT RKCOY XJ YK
BOLIVIA NC 28422
Reported On: 4/1/1998

Address: HUD 72G XZ 7
WINNABOW NC 28479
Reported On: 11/1/1997




Employment InformationCompany Name: PFDQGHUVRQ LQF Occupation:
Date Hired: Separation Date:
Income:


Company Name: EUXQVZLFN FRXQW Occupation:
Date Hired: Separation Date:
Income:


Company Name: XV DUPB Occupation:
Date Hired: Separation Date:
Income:





Report SummaryTotal # of Trades: 6
Current Trades: 3
Unrated Trades: 0
Curr Neg Trades: 3
Hist Neg Trades: 3
No. of Accts Paid: 1
Curr Past Due: 0
Amount Past Due: $0
30 Days: 0
60 Days: 0
90+ Days: 0
Inquiries: 11
Inq. last 6 mnths: 6
Public Records: 0
Collections: 0
Oldest Trade: 10/1/1994
Accounts Balance: $1,185
Mnthly Payment: $238
Credit Limit: $8,868
High Credit: $8,868
Total Real Est. Bal.: $0
Total Rev. Bal.: $0
Tot. Installment Bal.: $1,185
Available %: 100

ScorecardsScorecard: EDAS
Score: 605
Reasons: NUMBER OF ACCOUNTS SHOWING PAYMENT LATE BY 90 DAYS OR MORE/ PUBLIC RECORD ITEMS


NUMBER OF MONTHS SINCE MOST RECENT LATE PAYMENT


NUMBER OF RETAIL FINANCE ACCOUNTS REPORTED - LAST 6 MONTHS


NUMBER OF PERSONAL LOAN FINANCE INQUIRIES - LAST 24 MONTHS


Scorecard: BEACON
Score: 622
Reasons: Account not paid as agreed, public record, or collection agency filing


Time since delinquency is too recent or unknown


Number of accounts with delinquency


Amount past due on accounts





Trade LinesFirm Name/ID Opened Credit Limit Balance MoPmnt 30 60 90
Account Number Reported High Credit Past Due MoRep Pattern
Acct. Type KOB Chargeoff Orig. Amt. Date Closed Terms
Status Closed Ind Owner
Narratives

COSI RECV/484BB01563 5/1/1995 $1,658 $935 $150 - - -
90909000012 4/1/2003 $1,658 $0 - -
Installment (fixed number of payments) 0 0 - -
(1)Pays account as agreed - Individual



CAP 1 FSB/484BB01456 5/1/1995 $6,873 $250 $50 - - -
90909012455 4/1/2003 $6,873 $0 - -
Installment (fixed number of payments) 0 0 - -
(1)Pays account as agreed - Individual



LECHMERE/404DV00011 2/1/1995 $789 $789 $22 - - -
1/1/2003 $789 $789 - -
Revolving or Option (open-end account) 0 0 - -
(9)Bad debt; placed for collection; skip - Individual
CHARGED OFF ACCOUNT
ACCOUNT INVOLVED IN CHAPTER 13 DEBT ADJ


TOWNCFT CC/444ZR00216 12/1/1996 $1,143 $0 $57 0 2 9
1/1/2003 $1,143 $0 - -
Revolving or Option (open-end account) 0 0 - -
(9)Bad debt; placed for collection; skip - Maker
PAID ACCOUNT / ZERO BALANCE
CHARGE


BB&T/422BB00537 5/1/1995 $6,873 $0 $192 - - -
909090124550000 5/1/1998 $6,873 $0 36 -
Installment (fixed number of payments) 0 0 - -
(1)Pays account as agreed - Individual



PARRISH-CA/422AT00215 10/1/1994 $337 $0 $38 - - -
11/1/1996 $337 $0 - -
Revolving or Option (open-end account) 0 0 - -
(9)Bad debt; placed for collection; skip - Individual





InquiriesDate Subscriber Name Subscriber # Amount
4/21/2003 ADS 999ZS00472
4/19/2003 ADS 999ZS00472
4/19/2003 GE CAP VFS 404FF03589
2/1/2003 FRIEDMAN'S 456JA00950
1/4/2003 ASSOC/CITI 458ON05282
11/2/2002 HB/H CARE 458ON05076
10/25/2002 MOBILECONS 594FZ10967
10/25/2002 CONSECOFIN 613FP20245
4/9/2002 FST CREDIT 146FF00056
4/2/2002 BWKR ASSOC 815HA51879
12/4/2001 SWISS CLNY 668DM04150



Account DetailNumber Name Phone Address
484BB01563 COSI RECEIVABLES MAN PO BOX 26030
RICHMOND, VA23260-6030

484BB01456 CAPITAL ONE,FSB P.O.BOX 26030
RICHMOND, VA23260-6030

404DV00011 LECHMERE/MBGA P.O. BOX 29116
CG5V
SHAWNEE MISSION, KS66201

444ZR00216 TOWNECRAFT,INC 2014459700 ONE DE BOER DRIVE
GLEN ROCK, NJ07452-3301

422BB00537 BB & T 9106421188 S MADISON ST
WHITEVILLE, NC28472-0000

422AT00215 PARRISH-CAINE INC 9107992770 4207 OLEANDER DR
WILMINGTON, NC28401

404FF03589 GE CAPITAL VFS 2037496071 10 RIVERVIEW DRIVE
PURCHASE ORDER 570001302
DANBURY, CT06810

456JA00950 FRIEDMAN'S #5398 9107900085 3500 OLEANDER DR F-22
WILMINGTON, NC28403

458ON05282 ASSOC/CITIBANK SD 110 LAKE DRIVE
NEWARK, DE19702

458ON05076 HHLD BANK/HEALTHCARE 1405 FOULK ROAD
WILMINGTON, DE19803

613FP20245 CONSECO FINANCE CORP 6053557000 1400 TURBINE DRIVE
RAPID CITY, SD57703

594FZ10967 MOBILE CONSULTANTS 8003626545 PO BOX 2060
22752 HARRISBURG-WESTVILLE RD.
ALLIANCE, OH44601-2060

146FF00056 FIRST CREDIT CORP 3034999500 PO BOX 9300
5300 MANHATTAN CIRCLE
BOULDER, CO80301-9300

815HA51879 BOWKER & ASSOCIATES 3368529330 7-A DUNDAS CIRLCE
GREENSBORO, NC27407

668DM04150 SWISS COLONY, INC 1112 7TH AVE
MONROE, WI53566-1364

Warning MessagesSAFESCANNED: Your inquiry has gone through our SAFESCAN data base.

Former Name: QOSHKXRE N RGCY

INQR Subject's SSN is 574-46-2864;year issued: 1972;state: AK

(OFAC)OFAC 20030519 131739 Nothing to report NO MATCH FOUND IN CDC'S OFAC DATABASE.

Fraud AdvisorFraud Advisor Index 5 - low fraud risk
Warning Code 1 for Fraud Advisor Index 000
Warning Code 2 for Fraud Advisor Index 000
Warning Code 3 for Fraud Advisor Index 000
Warning Code 4 for Fraud Advisor Index 000
Reject Code

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