Auroara P Client

Credit Report Prepared For:
AURORA PAKROO
Report as Of: 8/6/2015
Personal & Confidential

Please Keep in a safe place for your records.
AURORA PAKROO
Report As Of: 8/6/2015
Table of Contents
....................................................................................................................................................................................................................................................
Personal Information
....................................................................................................................................................................................................................................................
Report Summary
....................................................................................................................................................................................................................................................
Bankruptcy & Court Judgments
....................................................................................................................................................................................................................................................
Credit Inquiries
....................................................................................................................................................................................................................................................
Credit Cards, Loans & Other Debt
10
....................................................................................................................................................................................................................................................
Credit Score
30
AURORA PAKROO
Here you will find your personal information, including your legal name(s), year of birth, currenty and previous addresses, and current and previous employers.
Profile
Name
(Also Known As) AKA
Year of Birth
Address(es)
Current Employer
Previous Employer
AURORA PAKROO
AURORA PAKROO
AURORA PAKROO
1951
21021 ERWIN ST APT 431,
WOODLAND HILLS, CA 91367
3844
1951
11740 DORAL AVE,
NORTHRIDGE, CA 91326
1951
11740 DORAL AV, NORTHRIDGE,
CA 91326
SBI GROUP
SPI GROUP
Personal Statement
This space is reserved for statements of dispute. For most consumers, no information appears in this section.
Personal Information Page 1 of 1
Report Summary
Bankruptcies
Credit Inquiries
Credit Cards & Loans
Credit Score
Page 3
AURORA PAKROO
Report Summary
Here 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.
Count
Balance
Current
Delinquent
Other
2
$0.00
0
2
0
0
$0.00
0
0
0
0
$0.00
0
0
0
Count
Balance
Current
Delinquent
Other
16
$6,781.00
16
0
0
16
$9,171.00
16
0
0
16
$6,751.00
16
0
0
Count
Balance
Current
Delinquent
Other
0
$0.00
0
0
0
0
$0.00
0
0
0
0
$0.00
0
0
0
Other
Count
Balance
Current
Delinquent
Other
0
$0.00
0
0
0
2
$0.00
1
0
0
1
$0.00
1
0
0
Collections
Count
Balance
Current
Delinquent
Other
0
$0.00
0
0
0
0
$0.00
0
0
0
0
$0.00
0
0
0
Count
Balance
Current
Delinquent
Other
18
$6,781.00
16
2
0
18
$9,171.00
17
0
0
17
$6,751.00
17
0
0
Real Estate
Current Account(s)
Revolving
Current Account(s)
Installments
Current Account(s)
Current Account(s)
All Accounts
Current Account(s)
Report Summary Page 1 of 1
Bankruptcies
Credit Inquiries
Credit Score
Page 4
AURORA PAKROO
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.
Public Records
There are no Public Records on your credit
report at this time.
Report Summary
Bankruptcies Page 1 of 1
Credit Inquiries
Credit Score
Page 5
AURORA PAKROO
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.
WF CRD SVC
Business Name
Inquiry Date
Business Type
WF CRD SVC
10/10/2014
Bank Credit Cards
Business Name
Inquiry Date
Business Type
AMEX
10/8/2014
Bank Credit Cards
Business Name
Inquiry Date
Business Type
VENTURA CCU/ML
8/6/2014
Credit Unions
8006424720
PO BOX 14517
DES MOINES, IA 50306
AMEX
8008742717
PO BOX 981537
EL PASO, TX 79998
VENTURA CCU/ML
8054774000
6026 TELEPHONE RD
VENTURA, CA 93003
US BANK CONSOLIDATED
Business Name
Inquiry Date
Business Type
US BANK CONSOLIDATED
6/24/2014
All Banks - non specific
8003647390
PO BOX 17143
DENVER, CO 80217
Report Summary
Bankruptcies
Credit Inquiries Page 1 of 4
Credit Score
Page 6
AURORA PAKROO
Credit Inquiries
CHASE CARD
Business Name
Inquiry Date
Business Type
CHASE CARD
7/6/2013
Bank Credit Cards
8004323117
PO BOX 15298
WILMINGTON, DE 19850
USBANK
Business Name
Inquiry Date
Business Type
USBANK
3/13/2015
All Banks
6512050229
2751 SHEPARD ROAD
ST PAUL, MN 55116
VERIZON WIRELESS-CS
Business Name
Inquiry Date
Business Type
VERIZON WIRELESS-CS
10/14/2014
Telephone Companies
MAIL ONLY
5175 EMERALD PKWY
DUBLIN, OH 43017
AT&T SERVICES, INC.

Business Name
Inquiry Date
Business Type
AT&T SERVICES, INC.

10/12/2014
Telephone Companies
MAIL ONLY
12911 E 183RD ST
FRAUD DEPT
CERRITOS, CA 90703
Report Summary
Bankruptcies
Credit Score
Page 7
AURORA PAKROO
Credit Inquiries
SPRINT NEXTEL
Business Name
Inquiry Date
Business Type
SPRINT NEXTEL
10/12/2014
Telephone Companies
MAIL ONLY
1006 PARK MEADOWS DR
LONE TREE, CO 80124
SYNCB/LOWES
Business Name
Inquiry Date
Business Type
SYNCB/LOWES
10/10/2014
Credit card and travel /
entertainment companies
Business Name
Inquiry Date
Business Type
BRCLYSBANKDE
10/8/2014
Banks and S&Ls
Business Name
Inquiry Date
Business Type
FNDTN FINANC
9/15/2014
Finance, personal
8004441408
PO BOX 965005
ORLANDO, FL 32896
BRCLYSBANKDE
8663705931
PO BOX 8803
FNDTN FINANC
8552410024
700 EAGLE NEST BLV
ROTHSCHILED, WI 54474
Report Summary
Bankruptcies
Credit Score
Page 8
AURORA PAKROO
Credit Inquiries
BRCLYSBANKDE
Business Name
Inquiry Date
Business Type
BRCLYSBANKDE
7/28/2014
Banks and S&Ls
Business Name
Inquiry Date
Business Type
BRCLYSBANKDE
7/21/2014
Banks and S&Ls
8663705931
PO BOX 8803
BRCLYSBANKDE
8663705931
PO BOX 8803
Report Summary
Bankruptcies
Credit Score
Page 9
AURORA PAKROO

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.
AMEX
Current Closed
8008742717
PO BOX 297871
FORT LAUDERDALE, FL 33329
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
AMEX
349991945068XXXX
Bank Credit Cards
$0.00
$0.00
6/1/2012
Closed
$0.00
Paid satisfactorily
$2,487.00
$0.00
1 Month
2012
2013
2014
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
OK OK OK OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK
AMEX
Current
8008742717
PO BOX 297871
FORT LAUDERDALE, FL 33329
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
AMEX
349992183238XXXX
Bank Credit Cards
$3,117.00
$0.00
11/1/2014
Open
$0.00
Current
$9,232.00
$30,000.00
Revolving
2013
2014
2015
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
OK OK ND OK
OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Cards & Loans Page 1 of 19
Credit Score
Page 10
AURORA PAKROO

BARCLAYS BANK DELAWARE

Current Closed
3022558000
125 S WEST ST
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

00006562220XXXX
Bank Credit Cards
$0.00
$0.00
12/1/2007
Closed
$0.00
Paid satisfactorily
$211.00
$2,500.00
Revolving
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 OK OK OK OK
OK OK OK OK OK OK OK OK

Current
3022558000
125 S WEST ST
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

00021879540XXXX
Bank Credit Cards
$0.00
$0.00
8/1/2014
Open
$20.00
Current
$2,025.00
$7,500.00
Revolving
2013
2014
2015
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
OK OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 11
AURORA PAKROO

CAP ONE
Current Closed
8004776000
PO BOX 5253
CAROL STREAM, IL 60197
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
CAP ONE
001784XXXX
Bank Credit Cards
$0.00
$0.00
4/1/2007
Closed
$0.00
Paid satisfactorily
$429.00
$5.00
Revolving
CAPITAL ONE
10001784XXXX
All Banks
$0.00
$0.00
4/1/2007
Open
$0.00
Pays account as agreed
$429.00
$5.00
M
2006
2007
2008
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
Experian
OK OK OK OK OK OK OK
Equifax OK OK OK OK OK
OK OK OK OK OK OK
CAP ONE
Current Closed
8003797999
PO BOX 5253
CAROL STREAM, IL 60197
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
CAP ONE
54580011XXXX
Bank Credit Cards
$0.00
$0.00
9/1/2003
Closed
$0.00
Paid satisfactorily
$872.00
$2,900.00
Revolving
CAPITAL ONE
54580011XXXX
All Banks
$0.00
$0.00
9/1/2003
Closed
$0.00
$872.00
$2,900.00
M
2005
2006
2007
Experian OK OK OK OK OK OK OK OK
OK OK OK OK
Equifax OK OK OK OK OK OK OK OK
OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 12
AURORA PAKROO

CBNA
Current Closed
8009177700
PO BOX 6283
SIOUX FALLS, SD 57117
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
CBNA
512107194727XXXX
Bank Credit Cards
$0.00
$0.00
11/1/2006
Closed
$0.00
Paid satisfactorily
$36.00
$1,000.00
Revolving
2009
2010
2011
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 OK OK OK OK OK OK OK OK OK OK
OK OK
CHASE CARD
Current Closed
8004323117
PO BOX 15298
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
CHASE CARD
54182212XXXX
Bank Credit Cards
$0.00
$0.00
3/1/2008
Closed
$0.00
Paid satisfactorily
$158.00
$2,000.00
Revolving
CHASE BANK USA, NA

54182212XXXX
National Credit Card Cos.
$0.00
$0.00
3/1/2008
Open
$0.00
$158.00
$2,000.00
M
2008
2009
2010
OK OK
Equifax OK OK OK OK OK OK OK OK OK OK
OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 13
AURORA PAKROO

CITI
Current
BYMAILONLY
PO BOX 6241
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
CITI
41471106XXXX
Bank Credit Cards
$2,018.00
$0.00
11/1/2012
Open
$30.00
Current
$2,265.00
$11,000.00
Revolving
2013
2014
2015
OK OK OK OK
LOANCARE SERVICING CTR

Potentially Negative
7578921700
3637 SENTARA WAY
VIRGINIA BEACH, VA 23452
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
LOANCARE SERVICING CTR

623749XXXX
Mortgage Companies
$0.00
$0.00
6/1/2012
Open
$0.00
Foreclosure proceeding started
$0.00
$0.00
360 Months
2011
2012
2013
Experian
OK OK OK
30
60 60
90 120 120 RF
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 14
AURORA PAKROO

LOGIX FEDERAL CU
Current
8003285328
2340 N HOLLYWOOD WAY
BURBANK, CA 91505
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
LOGIX FEDERAL CU
423814600XXXX
Credit Unions
$836.00
$0.00
7/1/2014
Open
$30.00
Current
$5,000.00
$13,500.00
Revolving
2013
2014
2015
Experian
OK OK OK OK OK OK OK OK OK
OK OK OK OK
PENTAGON FEDERAL CR UN
Current
7038381000
PO BOX 1432
ALEXANDRIA, VA 22313
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
PENTAGON FEDERAL CR UN
43067911XXXX
Credit Unions
$459.00
$0.00
10/1/2012
Open
$15.00
Current
$1,273.00
$5,000.00
Revolving
2013
2014
2015
OK OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 15
AURORA PAKROO

RESIDENTIAL CREDIT SLT

Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
Potentially Negative Closed
8178340032
4282 NORTH FWY
FORT WORTH, TX 76137
High Balance
Limit
Terms
Comments
RESIDENTIAL CREDIT SLT

200104XXXX
Finance Companies - non specific
$0.00
$0.00
6/1/2012
Closed
$0.00
Credit Grantor reclaimed collateral
to settle defaulted mortgage
$0.00
$0.00
Unknown
2011
2012
2013
Experian
RF
SYNCB/LOWES
Current Closed
8004441408
PO BOX 965005
ORLANDO, FL 32896
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
SYNCB/LOWES
79819240XXXX
Lumber / Building Material /
Hardware - non specific
$0.00
$0.00
3/1/2007
Closed
$0.00
Paid satisfactorily
$725.00
$725.00
Revolving
2008
2009
2010
OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 16
AURORA PAKROO

SYNCB/LOWES
Current
8004441408
PO BOX 965005
ORLANDO, FL 32896
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
SYNCB/LOWES
79819260XXXX
Lumber / Building Material /
Hardware - non specific
$64.00
$0.00
10/1/2014
Open
$25.00
Current
$1,504.00
$3,000.00
Revolving
2013
2014
2015
Experian
OK OK OK OK OK OK
OK OK OK OK
US BANK
Current
BYMAILONLY
4325 17TH AVE S
FARGO, ND 58125
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
US BANK
403784006307XXXX
All Banks - non specific
$0.00
$0.00
6/1/2014
Open
$30.00
Current
$1,232.00
$7,500.00
Revolving
US BANK
40378400XXXX
$0.00
$0.00
6/1/2014
Open
$0.00
$1,232.00
$7,500.00
M
US BANK
40378400XXXX
Banks and S&Ls
$0.00
$0.00
6/1/2014
Open
$0.00
Paid or paying as agreed
$1,232.00
$7,500.00
2013
2014
2015
Experian
OK OK OK OK
Equifax ND ND ND
ND ND ND ND ND
ND
ND OK OK OK OK OK OK OK OK OK OK
OK OK OK
Transunion
OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 17
AURORA PAKROO

USAA SAVINGS BANK

Current
BYMAILONLY
PO BOX 47504
SAN ANTONIO, TX 78265
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
USAA SAVINGS BANK

5491XXXX
Bank Credit Cards
$0.00
$0.00
10/1/2012
Open
$2.00
Current
$5,494.00
$9,000.00
Revolving
2013
2014
2015
OK OK OK OK
VENTURA COUNTY CU
Current
8054774000
6026 TELEPHONE RD
VENTURA, CA 93003
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
VENTURA COUNTY CU
1525440XXXX
Credit Unions
$287.00
$0.00
8/1/2014
Open
$25.00
Current
$624.00
$5,000.00
Revolving
2013
2014
2015
Experian
OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 18
AURORA PAKROO

AMERICAN EXPRESS
Current
8008742717
P.O. BOX 981537
EL PASO, TX 79998
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
AMERICAN EXPRESS
-349992183238XXXX
All Banks
$3,109.00
$0.00
11/29/2014
Open
$0.00
$9,232.00
$30,000.00
M
AMEX
349992183238XXXX
Banks and S&Ls
$3,109.00
$0.00
11/29/2014
Open
$0.00
$9,232.00
$30,000.00
2013
2014
2015
Equifax ND ND ND ND
ND ND ND ND ND
ND
ND ND ND ND ND ND OK OK OK OK OK
OK OK OK
Transunion
OK OK ND OK
OK OK OK
AMERICAN EXPRESS
Current
8008742717
P.O. BOX 981537
EL PASO, TX 79998
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
AMERICAN EXPRESS
-349991945068XXXX
All Banks
$0.00
$0.00
6/9/2012
Open
$0.00
$2,487.00
$0.00
AMEX
349991945068XXXX
Banks and S&Ls
$0.00
$0.00
6/9/2012
Closed
$0.00
$2,487.00
$0.00
2012
2013
2014
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
Equifax ND
ND
ND OK OK OK OK OK 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
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 19
AURORA PAKROO

BARCLAYS BANK DELAWA

Current
8663705931
PO BOX 8803
ATT: CREDIT BUREAU
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

2187XXXX
All Banks
$0.00
$0.00
8/12/2014
Open
$0.00
$2,025.00
$7,500.00
M
2013
2014
2015
Equifax ND ND ND ND
ND ND ND ND ND
ND
ND ND ND OK OK OK OK OK OK OK OK
OK OK OK

Current Closed
8663705931
PO BOX 8803
ATT: CREDIT BUREAU
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments

656XXXX
All Banks
$0.00
$0.00
12/5/2007
Closed
$0.00
$211.00
$2,500.00
M
ACCOUNT CLOSED BY CREDIT
GRANTOR
2011 2012
2013
Equifax OK OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 20
AURORA PAKROO

CITICARDS CBNA
Current
701 E 60TH ST N
IBS CDV DISPUTES
SIOU FALLS, SD 57104-0432
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
CITICARDS CBNA
41471106XXXX
All Banks
$2,018.00
$0.00
11/26/2012
Open
$30.00
$2,265.00
$11,000.00
M
CITI
41471106XXXX
Banks and S&Ls
$2,018.00
$0.00
11/26/2012
Open
$30.00
$2,265.00
$11,000.00
Minimum
2013
2014
2015
Equifax 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
CITICARDS CBNA
Current
MAIL ONLY
701 E 60TH ST N
IBS CDV DISPUTES
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
CITICARDS CBNA
54241811XXXX
All Banks
$2,685.00
$0.00
7/1/1995
Open
$55.00
$7,767.00
$11,300.00
M
CITI
54241811XXXX
Banks and S&Ls
$0.00
$0.00
7/1/1995
Open
$0.00
$7,767.00
$11,300.00
2013
2014
2015
OK
Transunion
OK OK OK
OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 21
AURORA PAKROO

LOGIX FEDERAL CREDIT

Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
Current
8185653099
2311 HOLLYWOOD WAY
BURBANK, CA 91506
LOGIX FEDERAL CREDIT

423814600XXXX
Credit Unions
$836.00
$0.00
7/25/2014
Open
$30.00
$5,000.00
$13,500.00
M
LOGIX FCU
42381XXXX
Finance other than personal
$836.00
$0.00
7/25/2014
Open
$30.00
$5,000.00
$13,500.00
Minimum
2013
2014
2015
Equifax ND ND ND ND
ND ND ND ND ND
ND
ND ND OK OK OK OK OK OK OK OK OK
OK OK OK
Transunion
OK OK OK
PENTAGON - BANKCARD
Current
7038381000
PO BOX 1432
BANKCARD
ALEXANDRIA, VA 22313-2032
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
PENTAGON - BANKCARD
43067911XXXX
$459.00
$0.00
10/26/2012
Open
$15.00
$1,273.00
$5,000.00
M
PENTAGON FCU
43067911XXXX
$459.00
$0.00
10/26/2012
Open
$15.00
$1,273.00
$5,000.00
Minimum
2013
2014
2015
OK OK OK
OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 22
AURORA PAKROO

RESIDENTIAL CREDIT S
Account Name
Account #
Account Type
Balance
Past Due
6826472500
Date Opened
350 S. GRAND AVE, 47TH FLOOR Account Status
LOS ANGELES, CA 90071
Mo. Payment
Payment Status
RESIDENTIAL CREDIT S
200104XXXX
Mortgage Cos.
$0.00
$0.00
6/15/2012
Closed
$2,304.00
At least 120 days or more than
four payments past due
$386,250.00
$0.00
M 30Y
FORECLOSURE
High Balance
Limit
Terms
Comments
2013
2014
2015
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
Equifax OK OK
SEARS/CBNA
Current Closed
MAIL ONLY
PO BOX 6497
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
SEARS/CBNA
51210719XXXX
All Banks
$0.00
$0.00
11/18/2006
Closed
$0.00
$36.00
$1,000.00
M
ACCOUNT CLOSED BY CREDIT
GRANTOR
SEARS/CBNA
51210719XXXX
Banks and S&Ls
$0.00
$0.00
11/18/2006
Closed
$0.00
$36.00
$1,000.00
2013
2014
2015
OK OK OK
OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 23
AURORA PAKROO

SYNCB/LOWES
Current
MAIL ONLY
4125 WINDWARD PLAZA
ALPHARETTA, GA 30005
Account Name
Account #
Account Type
SYNCB/LOWES
79819240XXXX
Hardware Stores
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
$0.00
$0.00
3/15/2007
Open
$0.00
$725.00
$725.00
M
SYNCB/LOW
79819240XXXX
Lumber, building material,
hardware
$0.00
$0.00
3/15/2007
Closed
$0.00
$725.00
$725.00
2013
2014
2015
OK OK OK
OK OK OK
SYNCB/LOWES
Current
MAIL ONLY
4125 WINDWARD PLAZA
ALPHARETTA, GA 30005
Account Name
Account #
Account Type
SYNCB/LOWES
79819260XXXX
Hardware Stores
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
$64.00
$0.00
10/10/2014
Open
$25.00
$1,504.00
$3,000.00
M
SYNCB/LOW
79819260XXXX
Lumber, building material,
hardware
$64.00
$0.00
10/10/2014
Open
$25.00
$1,504.00
$3,000.00
Minimum
2013
2014
2015
Equifax ND ND ND ND
ND ND ND ND ND
ND
ND ND ND ND ND OK OK OK OK OK OK
OK OK OK
Transunion
OK OK OK OK OK OK
OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 24
AURORA PAKROO

USAA SAVINGS BANK

Current
8005318722
PO BOX 33009
SAN ANTONIO, TX 78265
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
USAA SAVINGS BANK

549123732973XXXX
$0.00
$0.00
10/24/2012
Open
$0.00
$5,494.00
$9,000.00
M
USAA SVG BK
54912373XXXX
Banks and S&Ls
$0.00
$0.00
10/24/2012
Open
$0.00
$5,494.00
$9,000.00
2013
2014
2015
OK OK OK
OK OK OK
WELLS FARGO CARD SER

Account Name
Account #
Account Type
Balance
Past Due
8006424720
Date Opened
CREDIT BUREAU DISPUTE RESOLUT
Account Status
PO BOX 14517
Mo. Payment
DES MOINES, IA 50306
Payment Status
High Balance
Limit
Terms
Comments
WELLS FARGO CARD SER

44654001XXXX
All Banks
$0.00
$0.00
7/29/2009
Open
$15.00
$3,428.00
$4,000.00
M
Current
WELLS FARGO
44654001XXXX
Banks and S&Ls
$0.00
$0.00
7/29/2009
Open
$0.00
$3,428.00
$4,000.00
2011 2012
2013
Equifax OK OK OK OK
Transunion OK OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 25
AURORA PAKROO

BRCLYSBANKDE
Current
8663705931
P.O. BOX 8803
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
BRCLYSBANKDE
0002187XXXX
Banks and S&Ls
$0.00
$0.00
8/12/2014
Open
$0.00
$2,025.00
$7,500.00
2013
2014
2015
Transunion
OK OK OK
BRCLYSBANKDE
Current Closed
8663705931
P.O. BOX 8803
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
BRCLYSBANKDE
0000656XXXX
Banks and S&Ls
$0.00
$0.00
12/5/2007
Closed
$0.00
$211.00
$2,500.00
2011 2012
2013
Transunion OK OK OK OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 26
AURORA PAKROO

CAPITAL ONE
Current Closed
8004776000
PO BOX 30253
SALT LAKE CITY, UT 84130
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
CAPITAL ONE
54911000XXXX
Banks and S&Ls
$0.00
$0.00
4/5/2007
Closed
$0.00
$429.00
$3,000.00
2006
2007
2008
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
Transunion
OK OK OK OK OK OK
CHASE
Current Closed
8004323117
P.O. BOX 15298
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
CHASE
54182212XXXX
Banks and S&Ls
$0.00
$0.00
3/4/2008
Closed
$0.00
$158.00
$2,000.00
2008
2009
2010
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
Transunion OK OK OK OK OK OK OK OK OK OK OK
OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 27
AURORA PAKROO

VENTURA CU
Current
8053394200
6026 TELEPHONE RD
POB 6920
VENTURA, CA 93003
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
VENTURA CU
152XXXX
$265.00
$0.00
8/15/2014
Open
$25.00
$624.00
$5,000.00
Minimum
2013
2014
2015
Transunion
OK OK OK OK
OK
ND OK
Report Summary
Bankruptcies
Credit Inquiries
Credit Score
Page 28
AURORA PAKROO

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
Potentially Negative
Report Summary
Bankruptcies
Unknown
Credit Inquiries
Credit Cards & Loans Page Legend
Credit Score
Page 29
AURORA PAKROO
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, cinsistency, and better terms and
rates for American consumers through reduced costs and losses for lenders. While lenders may use different scoring modles to
determine how you score, and each major credit bureah 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.
DISCLAIMER
The PLUS Score, developed by Experian, is not an endorsement or gurantee 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 itso 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.
Page 30
AURORA PAKROO
Credit Score
710
710
791
High
Your Experian PLUS Score Explanation

What factors RAISE your PLUS Score:
What factors LOWER your PLUS Score:
Currently there are no negative factors affecting your credit report.

Letting the age of your accounts grow or taking on high quality
credit such as a mortgage loan may improve your score. Be on the
lookout for negative factors that might hurt your score.
Report Summary
Bankruptcies
Currently there are no positive factors affecting your credit report.

Paying any past due accounts, keeping credit card balances low
and making all your payment deadlines is the best way to build good
credit.
Credit Inquiries
Credit Score Page 1 of 3

Page 31
AURORA PAKROO
Credit Score
710
710
791
High
Your Equifax PLUS Score Explanation


Report Summary
Bankruptcies

credit.
Credit Inquiries

Page 32
AURORA PAKROO
Credit Score
710
710
791
Very High
Your TransUnion PLUS Score Explanation


Report Summary
Bankruptcies

credit.
Credit Inquiries

Page 33

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What personal information is provided about the individual?

What personal information is provided about the individual?

What does the report summary section cover?

What does the report summary section cover?

Credit Report Prepared For:

Personal & Confidential

Personal Information Page 1 of 1

Credit Cards & Loans

Report Summary Page 1 of 1

Credit Cards & Loans

Bankruptcy & Court Judgments

Credit Cards & Loans

Credit Inquiries Page 1 of 4

Credit Cards & Loans

AT&T SERVICES, INC.

AT&T SERVICES, INC.

Credit Inquiries Page 2 of 4

Credit Cards & Loans

Credit Inquiries Page 3 of 4

Credit Cards & Loans

Credit Inquiries Page 4 of 4

Credit Cards & Loans

Credit Cards, Loans & Other Debt

Credit Cards & Loans Page 1 of 19

Credit Cards, Loans & Other Debt

BARCLAYS BANK DELAWARE

BARCLAYS BANK DELAWARE

BARCLAYS BANK DELAWARE

BARCLAYS BANK DELAWARE

Credit Cards & Loans Page 2 of 19

Credit Cards, Loans & Other Debt

Credit Cards & Loans Page 3 of 19

Credit Cards, Loans & Other Debt

CHASE BANK USA, NA

Credit Cards & Loans Page 4 of 19

Credit Cards, Loans & Other Debt

LOANCARE SERVICING CTR

LOANCARE SERVICING CTR

Credit Cards & Loans Page 5 of 19

Credit Cards, Loans & Other Debt

Credit Cards & Loans Page 6 of 19

Credit Cards, Loans & Other Debt

RESIDENTIAL CREDIT SLT

Potentially Negative Closed

RESIDENTIAL CREDIT SLT

Credit Cards & Loans Page 7 of 19

Credit Cards, Loans & Other Debt

Credit Cards & Loans Page 8 of 19

Credit Cards, Loans & Other Debt

USAA SAVINGS BANK

USAA SAVINGS BANK

Credit Cards & Loans Page 9 of 19

Credit Cards, Loans & Other Debt

Credit Cards & Loans Page 10 of 19

Credit Cards, Loans & Other Debt

BARCLAYS BANK DELAWA

BARCLAYS BANK DELAWA

BARCLAYS BANK DELAWA

BARCLAYS BANK DELAWA