Residential Mortgage Credit Report (RMCR) Sample
----------------------------------------------------------------------------------Ref #: PFM-0000-0000-0193
Acct #: PFMT-EST3 TID: PFM-0000-0193
Report type: RESIDENTIAL MORTGAGE
Prepared for: PFM TEST ACCOUNT
Received: Completed: Revised:
07/10/13 07/11/13
Attention/Additional information:
9210
Charges:
Credit and public record sources:
00.00
EFX, XPN, TUC
----------------------------------------------------------------------------------Applicant
SAMPLE, STEVE
Soc. Sec. No. 111-22-3333
AGE: 40
Co-applicant SAMPLE, SHARON
Soc. Sec. No. 333-11-2222
AGE: 38
Address
4536 CORELOGIC AVE
Marital status MARRIED
TESTSITE, CA 9XX07
Dependents
APP:0;CAP:0
Length
02Y00M
----------------------------------------------------------------------------------Applicant
Co-applicant
----------------------------------------------------------------------------------Employer
BERLIN TIRE
Employer
ACME FINANCE
Position
UNKNOWN
Position
VICE PRESIDENT
Length
07Y02M
Length
02Y02M
Income
Income
Verified
Verified
----------------------------------------------------------------------------------Account Name/Number (Sources)
Past due
Last
Open
High
Payment
Balance MOP Status Rptd 30 60 90+ MR Dlq
----------------------------------------------------------------------------------Joint Accounts:
--------------1. BANK OF AMERICA MORTGAGE/133065435XXXX (EFX*,XPN-FPXX86040*,TUC*)
J 07-07
147286
1326
139339 M-2 DEL 30
06-13 09 01 00 59 06-13
Hist: 06-13 221111212211211121132211
JNT
Lates: 1x60:11-11 ; 9x30:6-13,5-13,12-12,10-12,9-12,6-12,ADDTNL LATES
2. WELLS FARGO HOME MTG/578XXXX (EFX-180XX00931,XPN,TUC)
J 10-08
40000
429
36543 M-1 CURRENT 06-13 00 00 00
Hist: 06-13 111111111111111111111111
JNT
Lates:
3. CHEVRON USA/734501XXXX (EFX-906OCXX024*,XPN*,TUC*)
S 01-02
860
0
CLOSED R-1 CURRENT 05-13 01 02 02
Hist: 05-13 543321111111111111111111
JNT
Lates: 2x90+:5-13,4-13 ; 2x60:3-13,2-13 ; 1x30:1-13
ACCOUNT SUBMITTED TO COLLECTION; PAID COLL 05-13
CREDIT CARD
Accounts under Applicant:
------------------------4. WFS FINANCIAL/5122007XXXX (EFX,XPN-FXX828796,TUC)
I 09-10
12764
285
8985 I-1 CURRENT 07-13 00 00 00
Hist: 07-13 111111111111111111111111
APP
Lates:
5. FNANB/BEST BUY/1523180315866XXXX (EFX-401XX00615*,XPN*,TUC*)
I 06-08
1186
33
742 R-1 CURRENT 06-13 02 01 03
Hist: 06-13 111111111111154325211111
APP
Lates: 3x90+:5-12,4-12,1-12 ; 1x60:3-12 ; 2x30:2-12,12-11
CREDIT CARD
56
98 05-13
25
24 05-12
Page 1 of 3
This sample report contains compiled data in order to showcase a wide variety of format features. Therefore, data content represented within this report may not be consistent across all
report sections, or with other sample reports. Your account profile will determine whether certain features presented on this sample report appear on your Residential Mortgage report, as
well as the order in which the data is presented.
© Copyright CoreLogic Credco 2013. All trademarks herewithin are trademarks of their respective companies.
RM format sample (rev 08-13)
Residential Mortgage Credit Report (RMCR) Sample
----------------------------------------------------------------------------------Ref #:
Applicant:
Prepared for:
Acct #:
PFM-0000-0000-0193 SAMPLE, STEVE
PFM TEST ACCOUNT
PFMT-EST3
----------------------------------------------------------------------------------Account Name/Number (Sources)
Past due
Last
Open
High
Payment
Balance MOP Status Rptd 30 60 90+ MR Dlq
----------------------------------------------------------------------------------Accounts under Co-Applicant:
---------------------------6. DISCOVER FINANCIAL SVC/6010708XXXX (EFX-15XXB03747,XPN,TUC)
I 01-08
1327
49
996 R-1 CURRENT 06-13 00 00 00 52
Hist: 06-13 111111111111111111111111
CAP
Lates:
Possible Non Applicant Accounts:
-------------------------------7. GMAC/445AC8XXXX (TUC-F53016XX2)
I 11-01
5600
61
3412 I-1 CURRENT
Hist: 07-13 11111111110-11
Lates:
07-13 00 00 00
*PNA*
Collection Accounts:
-------------------8. GRANT & WEBER /G814CAL776113XXXX (XPN-YC398XX06*)
I 01-08
230
N/A
130 Y-9 COLL/P&L 05-13
- JNT
-
91
-
Lates:
CALIFORNIA PACIFIC MED. SERV.
ACCT SUBMITTED TO COLLECTION COLL 05-13
Identification Information:
--------------------------Note: * Indicates Possible Non-Applicant Information
1. SAMPLE, STEVE Ssn: 111-22-3333 Dob: 07-03-72 (EFX)
2. SAMPLE, STEVE Ssn: 111-22-3333 (XPN)
3. SAMPLE, STEVE Ssn: 111-22-3333 Dob: 07-03-72 (TUC)
4. SAMPLE, SHARON L Ssn: 333-11-2222 Dob: 04-01-74 (TUC)
5.*SAMPLE, STEFAN Ssn: 111-22-3359 Dob: 07-31-85 (TUC)
NAME AND SSN VARIATION; DOB VARIATION
Inquiries made in the last 90 days:
----------------------------------1. 07-05-13 WELLS FARGO (TUC-082XX891Z) (APP)
2. 06-25-13 QUICKEN LOANS (XPN-397XX65FR) (APP)
Previous Address Information:
----------------------------1. 123 EAGLE ROAD
TOMORROW, OR 995XX Since 07-11
(APP)
Bankruptcy Public Records:
-------------------------1. CH7 BANKRUPTCY FILED IN 02-08 JOINTLY; STATUS DISCHARGED 06-08; REPORTED 0208; US BANKRUPTCY COURT; DK: 971XX82. (EFX-155VF0XX15,TUC) (JNT)
Page 2 of 3
Residential Mortgage Credit Report (RMCR) Sample
----------------------------------------------------------------------------------Ref #:
Applicant:
Prepared for:
Acct #:
PFM-0000-0000-0193 SAMPLE, STEVE
PFM TEST ACCOUNT
PFMT-EST3
----------------------------------------------------------------------------------AKA Information:
---------------1. SAMPLE, SHARON J (CAP)
2. SAMPLE, STEVEN P (APP)
Employment Information:
----------------------1. BERLIN TIRE
OCCUPATION UNKNOWN Rptd 05-06 (TUC) (APP)
2. ACME FINANCE TESTVILL, CA
VICE PRESIDENT Rptd 05-11 (XPN) (CAP)
BUREAU SCORE INFORMATION
-----------------------EFX BEACON
(APP)= 536 Factor: 00039, 00013, 00034, 00018
00039 SERIOUS DELINQUENCY
00013 DELINQUENCY IS TOO RECENT OR UNKNOWN
00034 AMOUNT OWED ON DELINQUENT ACCOUNTS
00018 NUMBER OF ACCOUNTS WITH DELINQUENCY
EFX BEACON
(CAP)=
Not provided by the repository
TUC FICO Classic 04
(APP)=
Match not found
Consumer Statement:
------------------1. ACCOUNT WENT TO A DELINQUENT STATUS WHILE I WAS OUT OF THE COUNTRY (XPN) (CAP)
2. THIS IS A CONSUMER STATEMENT FOR TUC. (TUC) (CAP)
Decode Directory Information:
----------------------------1. A F S C I (XPN-3564XX0)
(310)370-4854 17508 HAWTHORNE BLVD TORRANCE CA 90504
2. A F S C I (TUC-086XX30FR)
(800)377-4800 17508 HAWTHORNE BOULEVARD TORRANCE CA 90504
Fraud Verification Information:
------------------------------TUC HRFA (APP)
AVAILABLE AND CLEAR.
TUC HRFA (CAP)
AVAILABLE AND CLEAR.
Prepared By:
CoreLogic Credco
10277 Scripps Ranch Blvd.
San Diego, CA 92131
Phone (800)300-3032 Fax (800) 938-7200
****** END OF REPORT ******
Residential Mortgage Credit Report (RMCR) Sample
Tradeline Key
---------------------------------------------------------------------------------------Account Name/Number (Sources)
Past due
MR
Last
Open
High
Payment Balance MOP
Status
Rptd
30
60
90+
MD
MxDlq
---------------------------------------------------------------------------------------
1
BANK OF AMERICA MORTGA/100307535XXXX (EFX* XPN-FPXX86040*, TUC*)
2
3
4
5
1326
139339
M-2
J
07-07
147286
10
Hist:
06-13 221166554432211121132211
7
06-13
07
PYMT
06-13
JNT
02
06
8
9
59
06-13
11
12 Lates:
6x90+:2-13,1-13,12-12,11-12,10-12,9-12; 2x60:8-12,11-11; 7x30:6-13,ADDTNL LATES
1
The SOURCES for each tradeline, with the subscriber code
provided from the most recently reported repository. An asterisk
(*) indicates which repository reported derogatory information.
EFX = Equifax; XPN = Experian; TUC = TransUnion.
2
ECOA code indicates who is responsible for each account and
the type of participation for that account, as follows:
U
I
J
A
6
DEL 30
UNDESIGNATED
INDIVIDUAL
JOINT
AUTHORIZED USER
S SHARED
C CO-MAKER
B CO-SIGNER
M MAKER
T TERMINATED
X DECEASED
Not designated by the creditor
Individual account
Joint account
Authorized to use someone else's
account
Joint account
Joint responsibility for the account
Responsibility only in case of
default on the account
Individual account
Closed account
Deceased individual
3
PYMT displays the monthly liability on each account.
4
BALANCE displays the total liability on each account.
5
MOP (Method of Payment) and STATUS use the "Universal
Rating Code" with English translation of the current status of the
account as of the date reported.
MOP Codes
Account type:
R Revolving
I Installment
O Open, 30 days
M Mortgage
C Line of Credit
Y External Collection
Universal
Rating Code:
0
Too new to rate
1
Current
2
30 days late
3
60 days late
4
90 days late
5
120 days late
6
150 days late
7
Wage Earner Plan or Bankruptcy
8
Repossession or Foreclosure
9
Collection or Charge-off
U
Unrated
English
Translation:
CURRENT
CURRENT
DEL 30
DEL 60
DEL 90
DEL 120
DEL 150
WEP/BKRP
REPO/FCL
COLL/P&L
UNRATED
6
RPTD displays the date the account was reported by the
creditor.
7
PAST DUE displays the number of times the account has been
30, 60, or 90+ days past due within the account history
reported by the creditor.
8
MR (Months Reviewed) is the number of months of payment
history reported by the repositories.
9
LAST DLQ displays the date of the most recent delinquency, if
reported by the creditor.
10
HIST (Historical Payment Pattern) indicates month to month
payment history with the most recent date reported at the left.
If reported, displays up to the last 24 months. For numbers
other than 1, refer to "Universal Rating Code." A dash (-)
means not reported that month.
11
Applicant Identifier. Identifies the owner of an account by
(JNT) joint, (APP) applicant/subject, (CAP) co-applicant, or
(*PNA*) possible non-applicant.
12
LATES displays more detailed information on the late
payments that have occurred with this tradeline.