3535 East Coast Highway #305 – Corona del Mar, CA 92625 (714) …isvr.net/usr/1328311900/CustomPages/Roommate_Complete... · 2010-04-16 · Verified Income Summary *Please note

3535 East Coast Highway #305 – Corona del Mar, CA 92625 (714) 890-0099 Office – (714) 866-0489 Cell – (800) 892-7774 Fax

[email protected]

July 17, 2050 To: Agent E mail: [email protected] Subject: Rental/Lease Application Package Property Address: 0000 East Oshkosh Ave - Anaheim, CA 90000 Lessees: Alyssa Tenant, Ava Tenant, Erica Tenant, Priscilla Tenant Hello Kris, Attached you will find the application package for the referenced tenants. All of whom are extremely interested in executing a lease of the referenced property. This is an exceptional roommate group. All tenants are juniors or seniors Cal State Fullerton students with mature demeanors and good GPA’s. Every member of this group have steady income in the form of stable jobs, scholarships, and/or parents willing to be financial guarantors to ensure lease obligations are fulfilled, if necessary. The total combined monthly income into the household will be a minimum of $8,500. As mentioned, we specialize in pre-screening college roommate groups and submit rental applications only after we counsel all roommate groups in establishing written house rules, shoes off at the door for tenants and visitors, paying with a single joint checking account, maintaining property cleanliness, respecting neighbors, the requirement for renter’s insurance, etc. They have agreed to pay the listed rent amount of $2,800 per month and are comfortable with the security deposit amount up to $3,100. Also, they are willing to enter into the lease agreement immediately with move-in no later than August 1st. Please review and call me on my cell phone with any questions and to discuss at your earliest.

Jessie Hunter

Jessie Hunter Broker / Realtor

Verified Income Summary

*Please note that in addition to parental support and financial aid most tenants have part time jobs or are in the process of starting new jobs. All have parental support to ensure rent payment. Parents are willing to be rent guarantors. (See parent applications and credit reports at end of applications package.)

Name Income Source $ 1,500

Income Per Month LA Fitness

(Pay stubs Attached) Alyssa Tenant

$ 1,000 Monthly Assistance

Parents (See Attached)

PLUS, $27,000 Cash Reserves

Ava Tenant

$ 1,500 Income Per Month



AT&T Representative Erica Tenant

$ 1,250 Monthly Assistance



Hooters Restaurant (Pay stubs Attached) Priscilla

Tenant $ 1,250 Monthly Assistance


Combined Monthly Income

$ 8,500 Total Household

Income Per Month

APPLICATION TO RENT/SCREENING FEE

I. APPLICATION TO RENT

THIS SECTION TO BE COMPLETED BY APPLICANT. A SEPARATE APPLICATION TO RENT IS REQUIRED FOR EACHOCCUPANT 18 YEARS OF AGE OR OVER, OR AN EMANICIPATED MINOR.

Application to rent property at ("Premises")

FULL NAME OF APPLICANTSocial Security No. Driver's license No. State ExpiresPhone Number: Home Work

Name(s) of all other proposed occupant(s) and relationship to applicant

Pet(s) or service animals (number and type)Auto: Make License No.

In case of emergency, person to notify RelationshipAddress PhoneDoes applicant or any proposed occupant plan to use liquid-filled furniture?

Model Year State Color

TypeHas applicant been a party to an unlawful detainer action or filed bankruptcy within the last seven years?

If yes, explainHas applicant or any proposed occupant ever been convicted of or pleaded no contest to a felony?

If yes, explain

(C.A.R. Form LRA, Revised 4/03)

OtherEmail

The copyright laws of the United States (Title 17 U.S. Code) forbid theunauthorized reproduction of this form, or any portion thereof, by photocopymachine or any other means, including facsimile or computerized formats. Applicant's Initials ( ) ( )Copyright © 1991-2003, CALIFORNIA ASSOCIATION OF REALTORS®, INC.ALL RIGHTS RESERVED. Reviewed by LRA REVISED 4/03 (PAGE 1 OF 2)

Date

APPLICATION TO RENT/SCREENING FEE (LRA PAGE 1 OF 2)

Current addressCity/State/Zip

Name of Landlord/ManagerLandlord/Manager's phoneDo you own this property?Reason for leaving current address

From to

YesNo

Previous addressCity/State/ZipFrom toName of Landlord/ManagerLandlord/Manager's phoneDid you own this property? No YesReason for leaving this address

Current employer Supervisor FromEmployer's address Supervisor's phonePosition or title

Previous employer

Phone number to verify employment

Employer's addressPosition or title Employment gross income $ per

Other vehicle(s):

RESIDENCE HISTORY

PERSONAL INFORMATION

PREMISES INFORMATION

Applicant is completing Application as a (check one) tenant tenant with co-tenant(s) or guarantor/co-signor.Total number of applicants

Rent: $ per Proposed move-in date

Other $ per Source

Has applicant or any proposed occupant ever been asked to move out of a residence?

If yes, explain

EMPLOYMENT AND INCOME HISTORY

Employment gross income $ per month

To

Supervisor's phoneFrom ToSupervisor

No Yes

No Yes

No Yes

No Yes

.

Prepared using WINForms® softwareAgent: Phone: eFax:Broker:

Jessie Hunter (714) 866-0489 (714) 388-3809Jessie Hunter - CA Real Estate Broker 3535 East Coast Hwy #305, Corona Del Mar CA 92625

✔

1234 Anywhere St. Somewhere, CA 900002500 month 05/01/2050

Vicki Tenant222-22-2222 C00011 AZ 06/01/2065

(123) 777- 8888 (123) [email protected]

N/A

NoBMW 760Li 2010 A1B2C3D4 AZ Green

Self5678 Anywhere St. Somewhere, CA 90000 (123) 666-7777

●

●

●

4321 Old Home Rd. 9876 Old House Dr.Somewhere, CA 90000 Somewhere, CA 90000

01/01/2050 02/01/2050 03/01/2050 04/01/2050Mr. Mananger Mr. Owner(123) 222- 3333 (123) 333-4444

● ●

Lease expired Foreclosure

Great Job Mrs. Boss 01/01/2020 Present6633 Job Ave (123) 444- 2222

Server Same3,000

Self Self 12/01/2020 12/02/20209876 Old House Dr. Somewhere, CA 90000 (123) 222-3333

Owner 1,000,000 Year

VT MT

HL 01/01/2050

Print Form

THIS FORM HAS BEEN APPROVED BY THE CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.). NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY ORADEQUACY OF ANY PROVISION IN ANY SPECIFIC TRANSACTION. A REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ADVISE ON REAL ESTATETRANSACTIONS. IF YOU DESIRE LEGAL OR TAX ADVICE, CONSULT AN APPROPRIATE PROFESSIONAL.This form is available for use by the entire real estate industry. It is not intended to identify the user as a REALTOR®. REALTOR® is a registered collective membership markwhich may be used only by members of the NATIONAL ASSOCIATION OF REALTORS® who subscribe to its Code of Ethics.

California Association of REALTORS®Published by the

LRA REVISED 4/03 (PAGE 2 OF 2)

Applicant Signature Date

The undersigned has read the foregoing and acknowledges receipt of a copy.

Property Address: Date:

II. SCREENING FEETHIS SECTION TO BE COMPLETED BY LANDLORD, MANAGER OR AGENT.Applicant has paid a nonrefundable screening fee of $ , applied as follows:

$ for credit reports prepared by

$ for (other out-of-pocket expenses); and

$ for processing.

Reviewed by Date


The undersigned has received the screening fee indicated above.

Landlord or Manager or Agent Signature Date

;

CREDIT INFORMATION

Name of creditor Account number Monthly payment

Account balanceName of bank/branch Account number Type of account

Balance due

PERSONAL REFERENCES

Name AddressPhone Length of acquaintance OccupationName AddressPhone Length of acquaintance Occupation

NEAREST RELATIVE(S)

Name AddressPhone RelationshipName AddressPhone Relationship

Applicant understands and agrees: (i) this is an application to rent only and does not guarantee that applicant will be offered thePremises; and (ii) Landlord or Manager or Agent may accept more than one application for the Premises and, using their sole discretion,will select the best qualified applicant.Applicant represents the above information to be true and complete, and hereby authorizes Landlord or Manager or Agent to: (i) verifythe information provided; and (ii) obtain credit report on applicant.

If application is not fully completed, or received without the screening fee: (i) the application will not be processed, and (ii) theapplication and any screening fee will be returned.Applicant Date Time

Return your completed application and any applicable fee not already paid to:Address City State Zip

35.00

20.00

10.00 Application Pak Prep

5.00

Lease Agreemen

Selected Credit/Tenant Screening Svc

1234 Anywhere St. Somewhere, CA 90000 04/01/2050

See Credit Report

California Bank Confidential Checking $2000

National City Credit Union Confidential Savings $5000

Tammy Friend(123) 555- 7777James Friend(123) 888-9999

3456 Bestfriend Blvd Somewhere, CA 9000040 yrs4566 Oldboss Dr. Somewhere, CA 9000034 yrs

CEO

CEO

Johnny Sibling(123) 333- 4444Jenny Sibling(123)222- 3333

6666 Bro Dr. Anywhere, CA 90000

777 Sis St. Anywhere, CA 90000Brother

Sister

Vicki Tenant 01/01/2050 09:00 AM

Good Tenant Services3535 E. Coast Hwy #305 Corona del Mar CA 92625

04/01/2050

HL 01/01/2050












If yes, explain


OtherEmail


Date




From to

YesNo



Previous employer



Other vehicle(s):

RESIDENCE HISTORY





Other $ per Source


If yes, explain



To


No Yes

No Yes

No Yes

No Yes

.



✔


Vicki Tenant222-22-2222 C00011 AZ 06/01/2065

(123) 777- 8888 (123) [email protected]

N/A



●

●

●



● ●



Server Same3,000



VT MT

HL 01/01/2050

Print Form










$ for processing.

Reviewed by Date




;

CREDIT INFORMATION



Balance due

PERSONAL REFERENCES


NEAREST RELATIVE(S)





35.00

20.00


5.00

Lease Agreemen



See Credit Report





CEO

CEO




Sister



04/01/2050

HL 01/01/2050












If yes, explain


OtherEmail


Date




From to

YesNo



Previous employer



Other vehicle(s):

RESIDENCE HISTORY





Other $ per Source


If yes, explain



To


No Yes

No Yes

No Yes

No Yes

.



✔


Vicki Tenant222-22-2222 C00011 AZ 06/01/2065

(123) 777- 8888 (123) [email protected]

N/A



●

●

●



● ●



Server Same3,000



VT MT

HL 01/01/2050

Print Form










$ for processing.

Reviewed by Date




;

CREDIT INFORMATION



Balance due

PERSONAL REFERENCES


NEAREST RELATIVE(S)





35.00

20.00


5.00

Lease Agreemen



See Credit Report





CEO

CEO




Sister



04/01/2050

HL 01/01/2050












If yes, explain


OtherEmail


Date




From to

YesNo



Previous employer



Other vehicle(s):

RESIDENCE HISTORY





Other $ per Source


If yes, explain



To


No Yes

No Yes

No Yes

No Yes

.



✔


Vicki Tenant222-22-2222 C00011 AZ 06/01/2065

(123) 777- 8888 (123) [email protected]

N/A



●

●

●



● ●



Server Same3,000



VT MT

HL 01/01/2050

Print Form










$ for processing.

Reviewed by Date




;

CREDIT INFORMATION



Balance due

PERSONAL REFERENCES


NEAREST RELATIVE(S)





35.00

20.00


5.00

Lease Agreemen



See Credit Report





CEO

CEO




Sister



04/01/2050

HL 01/01/2050

r

July 16, 2050

To Whom it May Concern

RE: Alyssa Tenant Rental History

This letter serves as verification that Alyssa Tenant has been a resident here at theHomestead Apartments since August 8, 2040. Her lease ends August 7, 2050 and she hasgiven the proper 30 Day Notice to Vacate Tenancy.

The monthly rent paid was $1,645.00 and she never paid late or had any returned checks.No noise complaints or any other lease violations.

If you have any further questions regarding the rental history please feel free to contactme at 714-111-1111.

a) ?~7//~(,h:, ~

ST. JOHN LUTHERAN COMMUNITY SERVICES 5061

~J11jJIQ)'ee

Vicki Tenant , 17506 Ave, Artesia , CA 90000

Earnin s and HoursHourly wage

Q71 :00

Rate12.50

Current887.50

YTDAmount3,158.33

SSN Status (Fed/State)***-**-1111 Married/Married (two incomes)Pay Period: 08/16/2008 - 08/29/2008

Allowances/ExtraFed-1 /0/CA-1 /0Pay Date: 09/04/2008

TaxesFederal WithholdingSocial Security EmployeeMedicare EmployeeCA - Income TaxCA - Disability

Net Pay

Current·------'''''-45.00

-55.03-12.87-11.40

-7.10-131.40.

756.10

YTDAmount-140.00-195.82

-45.80-35.46-25.27

-44235

2,715.98

St John Lutheran Community Services, Inc, 18424 Bloomfield Ave, Cerritos, CA 90703-6048 562 809 8097

ST. JOHN LUTHERAN COMMUNITY SERVICES

~oYf;-;e:::e==c;c:;=--:;-::=;;o-; o=:=-=-=-~::--;c==-=...-;c=c;-------__--oS~S'-'i:;N _ Status (Fed/State)Vicki Tenant , 17506 Ave, Artesia , CA 90000 ***-**-1111 Married/Married (two incomes)

Pay Period: 08/16/2008 - 08/29/2008

5046


Earnings and HoursHourly wage

TaxesFe deral WithholdingSocial Security EmployeeMedicare EmployeeCA - Income TaxCA - Disability

Net Pay

Q76:00

Rate12.50

Current950.00

Current-51 .00-58.90-13.78-13.90

-7.60-145.18

80482

YTDAmount2,270.83

YTDAmount-95.00

-1 40.79-32.93-24.06-18.17

-310.95

1,959.88



~J11jJIQ)'ee



Q71 :00

Rate12.50

Current887.50

YTDAmount3,158.33




Net Pay

Current·------'''''-45.00

-55.03-12.87-11.40

-7.10-131.40.

756.10

YTDAmount-140.00-195.82

-45.80-35.46-25.27

-44235

2,715.98




Pay Period: 08/16/2008 - 08/29/2008

5046




Net Pay

Q76:00

Rate12.50

Current950.00

Current-51 .00-58.90-13.78-13.90

-7.60-145.18

80482

YTDAmount2,270.83

YTDAmount-95.00

-1 40.79-32.93-24.06-18.17

-310.95

1,959.88



~J11jJIQ)'ee



Q71 :00

Rate12.50

Current887.50

YTDAmount3,158.33




Net Pay

Current·------'''''-45.00

-55.03-12.87-11.40

-7.10-131.40.

756.10

YTDAmount-140.00-195.82

-45.80-35.46-25.27

-44235

2,715.98




Pay Period: 08/16/2008 - 08/29/2008

5046




Net Pay

Q76:00

Rate12.50

Current950.00

Current-51 .00-58.90-13.78-13.90

-7.60-145.18

80482

YTDAmount2,270.83

YTDAmount-95.00

-1 40.79-32.93-24.06-18.17

-310.95

1,959.88



~J11jJIQ)'ee



Q71 :00

Rate12.50

Current887.50

YTDAmount3,158.33




Net Pay

Current·------'''''-45.00

-55.03-12.87-11.40

-7.10-131.40.

756.10

YTDAmount-140.00-195.82

-45.80-35.46-25.27

-44235

2,715.98




Pay Period: 08/16/2008 - 08/29/2008

5046




Net Pay

Q76:00

Rate12.50

Current950.00

Current-51 .00-58.90-13.78-13.90

-7.60-145.18

80482

YTDAmount2,270.83

YTDAmount-95.00

-1 40.79-32.93-24.06-18.17

-310.95

1,959.88


GUARANTEE: In consideration of the execution of a lease Agreement by and

between the Landlord and my child, Brandon Tenant who is one of the listed

Tenants on the lease: I_Scott C. Parent_ the undersigned do hereby

acknowledge myself, as the ("Guarantor") for the lease as agreed upon by the

tenants and do hereby:

(i) guarantee unconditionally to Landlord and Landlord's agents, successors and

assigns, the prompt payment of Rent or other sums that become due pursuant to

this Agreement, including any and all costs and fees included in enforcing the

Agreement;

(ii) Consent to any changes, modifications or alterations of any term in this

Agreement agreed to by Landlord and Tenants; and

(iii) Will allow the Landlord and/or Landlord's agents to contact me directly to

arrange corrective actions and payment for any default, late or none payment of

the lease payment occurring under this Agreement.

Guarantor

Date

Address

City

Signature

8-27-2050

7903 S. Franklin Ct.

Centennial State CO Zip 80000

Social Security Number: 111-11-1111

Telephone: (000) 888-0000

Fax: (000) 111-1111

E-mail: [email protected]

Shonna

Text Box

Credit Letter of Explanation

Previously, Ms. Tenant has prided herself on maintaining an excellent credit score for the past 15 years. The main cause of Ms. Tenant’s low credit score stems from the fact that she has been forced to Short Sale her home.

Ms. Tenant’s low credit score is also a direct result of the student loans that she has deferred. We will be working with her over the next 6 to 18 months to:

• EDUCATE – Educate them on the importance of good credit and how the credit system works.

• CORRECT – Correct any and all errors and inaccuracies on all 3 agency reports.

• IMPROVE – Adding new trade lines to increase and enhance her scores.

• MANAGE – Keeping a close eye on her reports and credit payments.

Using CreditXpert® software we are able to determine the credit score after corrections, resolutions or improvements to various accounts.

Vicki Tenant will:

1. Pay off all derogatory accounts and/or have the items deleted. 2. Pay revolving account balance to zero. 3. Add new revolving and installment trade lines.

Vicki Tenant is committed to having GOOD CREDIT and will be working

with our company, Good Credit Services, to make that happen.

Please keep this information in mind when reviewing the reports.

Merged Credit ReportEquifax Experian TransUnion

File #: 483450Account #: 2624-1-0 Ordered By: Jessie HunterPrepared for: Magnum Mortgage Date: August 27, 2050

28202 Cabot Road, Suite 300 Reference: --Laguna Niguel, CA 92677 Loan Number: --

BORROWER INFORMATION

ADDRESS: 7000 Franklin CourtLittleton, CO 00000

BORROWER: Brandon Chandler

555-11-2222

SCORE MODELS

772 EXPERIAN, FICO v2

014 Length of time accounts have been open012 Age of open revolving accounts032 Lack of recent installment account information

796 TRANS UNION, FICO Classic 98

014 Length of time accounts have been established027 Too few accounts currently paid as agreed

766 EQUIFAX, Beacon 5.0 FACTA

014 Length of time accounts have been established012 Revolving accounts are too recent

(all scores can be verified at v2.fundingsuite.com)

TRADE SUMMARY

# High Credit Balance Payment Past Due

Revolving 2 1,800 0 0 0

TOTALS: 2 $1,800 $0 $0 $0

Page 1 of 5Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213

~ingSuite·

B-UGEMB/BANANA REP Rev. Aug 08 $1,100 0 26 0 0 0 as agreed- Jul 06 0 0 Jan 08 XP EF

B-IWELLS FARGO BANK Rev. Aug 08 $700 0 14 0 0 0 as agreed- Jun 07 0 0 Aug 08 XP TU EF

Tenant, Brandon Magnum Mortgage File #: 48345028202 Cabot Road, Suite 300 Reference #: --Laguna Niguel, CA 92677

CREDIT HISTORY

Who CreditorType Reported Hi Credit Payment MR 30 60 90 Status

Term Opened Balance Past Due DLA Bureaus


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Tenant, Brandon Magnum Mortgage File #: 48345028202 Cabot Road, Suite 300 Reference #: --Laguna Niguel

None

PUBLIC RECORDS

RECENT INQUIRIES

Aug 08 FDNG STE

ALERTS

Tenant, Brandon

OFAC: No match found.


FU~...• Su' •Iftimg Ite

DATA SOURCE INFORMATION Tenant, Brandon Names XP BRANDON W TENANT 555112222

TU BRANDON W TENANTTU 555112222 DOB:Dec 88TUEF BRANDON W TENANT 555112222 DOB:Dec 88

Addresses XP 7903 S FRANKLIN CT, CENTENNIAL, CO, 80122-3255 Since:Aug 06, until:Jun 07

TU 7903 S FRANKLIN Court, CENTENNIAL, CO, 80122 until:Jun 07EF 7903 S FRANKLIN CT, CENTENNIAL, CO, 80122 until:Aug 06

Employers XP CHAPMAN EDU

TU CHAPMAN EDU STUDENT

CREDITORSWELLS FARGO BANK PO BOX 5445 PORTLAND, OR 97228 8777785697 GEMB/BANANA REP PO BOX 981400 EL PASO, TX 79998 BYMAILONLY


NOTICE TO THE HOME LOAN APPLICANT

Brandon Tenant0000 Franklin CourtLittleton, CO 80000

In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can changeover time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change.

Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one company to another.

If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application.

If you have questions regarding the terms of the loan, contact the lender.

Your credit scores were provided by the following credit reporting agencies:

The following information about your credit scores was created on: August 27, 2050

Trans Union Experian Equifax Credit Information ServicesP.O. Box 2000 P.O. Box 2002 P.O. Box 740256

Chester, PA 19022 Allen, TX 75013 Atlanta, GA 30374800-916-8800 888-397-3742 800-685-1111

www.transunion.com www.experian.com www.equifax.com

Applicant: Brandon Tenant

Name of Score: EquifaxCredit Score: 766Key Factors affecting the score: -Length of time accounts have been established -Revolving accounts are too recent

Name of Score: Trans UnionCredit Score: 796Key Factors affecting the score: -Length of time accounts have been established -Too few accounts currently paid as agreed

Name of Score: ExperianCredit Score: 772Key Factors affecting the score: -Length of time accounts have been open -Age of open revolving accounts -Lack of recent installment account information






ADDRESS: 10000 Aletta AvenueCulver City, CA 90000

BORROWER: Calvin Tenant

666-11-0000

SCORE MODELS


014 Length of time accounts have been open033 Amount owed on accounts is too high015 Lack of recent revolving account information008 Too many inquiries in the past 12 months


015 Lack of recent bank revolving information014 Length of time accounts have been established003 Amount owed on accounts is too high001 Amount owed on accounts too high


019 Too few accounts currently paid as agreed015 Lack of recent bank revolving information014 Length of time accounts have been established032 Lack of recent installment loan information


TRADE SUMMARY


Automobile 1 8,920 8,134 172 0

Revolving 1 2,000 0 0 0

TOTALS: 2 $10,920 $8,134 $172 $0


~ingSuite·

JJACOM CU Auto Jul 08 $8,920 $172 5 0 0 0 as agreed60 Jan 08 $8,134 0 Jul 08 XP TU

B-IMCYFDSB Rev. Aug 08 $2,000 0 24 0 0 0 as agreed- Jun 05 0 0 May 08 XP TU EF

Tenant, Calvin Magnum Mortgage File #: 48345528202 Cabot Road, Suite 300 Reference #: --Laguna Niguel, CA 92677

CREDIT HISTORY




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Tenant, Calvin Magnum Mortgage File #: 48345528202 Cabot Road, Suite 300 Reference #: --Laguna Niguel

None

PUBLIC RECORDS

RECENT INQUIRIES

Aug 08 FDNG STEJan 08 JACOM CREDIT UNION

ALERTS

Tenant, Calvin



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DATA SOURCE INFORMATION Tenant, Calvin Names XP CALVIN TENANT 66611000

TU CALVIN TENANTTU 666110000 DOB:Dec 86TUEF CALVIN TENANT 666110000

Addresses XP 10000 ALETTA AVE, CULVER CITY, CA, 90232-4003 Since:Jul 05, until:Dec 06

XP 3000 W 175TH ST, TORRANCE, CA, 90504-3303 Since:Jan 08, until:Jan 08TU 10000 ALETTA Avenue, CULVER CITY, CA, 90232 until:Jun 05TU 3000 W 175TH Street, TORRANCE, CA, 90504 until:Feb 08EF 10000 ALETTA AVE, CULVER CITY, CA, 90232 until:Jul 05

Employers XP VANS SKATEBOARD

TU LCACA1 CALIFORNIA

CREDITORSMCYFDSB 9111 DUKE BLVD MASON, OH 45040 8002436552



Calvin Tenant10000 Aletta AvenueCulver City, CA 90000











Applicant: Calvin Tenant

Name of Score: EquifaxCredit Score: 716Key Factors affecting the score: -Too few accounts currently paid as agreed -Lack of recent bank revolving information -Length of time accounts have been established -Lack of recent installment loan information

Name of Score: Trans UnionCredit Score: 725Key Factors affecting the score: -Lack of recent bank revolving information -Length of time accounts have been established -Amount owed on accounts is too high -Amount owed on accounts too high

Name of Score: ExperianCredit Score: 718Key Factors affecting the score: -Length of time accounts have been open -Amount owed on accounts is too high -Lack of recent revolving account information -Too many inquiries in the past 12 months






ADDRESS: 4111 Saint Roch AvenueNew Orleans, LA 70000

BORROWER: Zachary Tenant

444-11-1111

SCORE MODELS


014 Length of time accounts have been open013 Recent delinquency or unknown timeframe002 Level of delinquency on accounts010 Balance owed on revolving accounts is high


014 Length of time accounts have been established013 Time since delinquency is too recent or unknown018 Number of accounts with delinquency001 Amount owed on accounts too high


019 Too few accounts currently paid as agreed014 Length of time accounts have been established002 Level of delinquency on accounts013 Time since delinquency is too recent or unknown


TRADE SUMMARY


Revolving 1 800 270 16 0

TOTALS: 1 $800 $270 $16 $0


B-ICHASE Rev. Aug 08 $800 $16 12 1 0 0 as agreed- Aug 07 $270 0 Jul 08 XP TU EF

Late Dates: Dec 07/30Was 30 days past due date

Tenant, Zachary Magnum Mortgage File #: 48345328202 Cabot Road, Suite 300 Reference #: --Laguna Niguel, CA 92677

CREDIT HISTORY




Tenant, Zachary Magnum Mortgage File #: 48345328202 Cabot Road, Suite 300 Reference #: --Laguna Niguel

None

PUBLIC RECORDS

RECENT INQUIRIES

Aug 08 FDNG STEAug 08 AMEXJul 08 FUSA, NAJan 08 AMEXAug 07 FIRST USA NA

ALERTS

Tenant, Zachary



DATA SOURCE INFORMATION Tenant, Zachary Names XP ZACHARY M TENANT 444111111

TU ZACHARY M TENANTTU 444111111 DOB:Feb 89TUEF ZACHARY M TENANT 444111111 DOB:Feb 89

Addresses XP 4111 SAINT ROCH AVE, NEW ORLEANS, LA, 70000 Since:Sep 07, until:Sep 07

TU 4111 SAINT ROCH Avenue, NEW ORLEANS, LA, 70000 until:Aug 07EF 4111 SAINT ROCH AVE, NEW ORLEANS, LA, 70000 until:Aug 07

Employers

CREDITORSCHASE 800 BROOKSEDGE BLVD WESTERVILLE, OH 43081 8009559900



Zachary Tenant4111 Saint Roch AvenueNew Orleans, LA 70000











Applicant: Zachary Tenant

Name of Score: EquifaxCredit Score: 636Key Factors affecting the score: -Too few accounts currently paid as agreed -Length of time accounts have been established -Level of delinquency on accounts -Time since delinquency is too recent or unknown

Name of Score: Trans UnionCredit Score: 636Key Factors affecting the score: -Length of time accounts have been established -Time since delinquency is too recent or unknown -Number of accounts with delinquency -Amount owed on accounts too high -Inquiries impacted

Name of Score: ExperianCredit Score: 635Key Factors affecting the score: -Length of time accounts have been open -Recent delinquency or unknown timeframe -Level of delinquency on accounts -Balance owed on revolving accounts is high






ADDRESS: 900 Anania Circle Mililani, HI 90009

BORROWER: Daniel Tenant

555-11-5555

SCORE MODELS


014 Length of time accounts have been open016 Lack of recent revolving account information015 Lack of recent revolving account information019 Too few accounts paid as agreed


014 Length of time accounts have been established003 Amount owed on accounts is too high016 Lack of recent revolving account information001 Amount owed on accounts too high


014 Length of time accounts have been established019 Too few accounts currently paid as agreed015 Lack of recent bank revolving information016 Lack of recent revolving account information


TRADE SUMMARY


Education 1 3,500 3,613 0 0

TOTALS: 1 $3,500 $3,613 $0 $0


B-ISALLIE MAE SERVICING Edu. Jul 08 $3,500 0 6 0 0 0 as agreed- Feb 08 $3,613 0 - XP TU EF

Tenant, Daniel Magnum Mortgage File #: 48344728202 Cabot Road, Suite 300 Reference #: --Laguna Niguel, CA 92677

CREDIT HISTORY




Tenant, Daniel Magnum Mortgage File #: 48344728202 Cabot Road, Suite 300 Reference #: --Laguna Niguel

None

PUBLIC RECORDS

RECENT INQUIRIES

Aug 08 FDNG STEAug 07 WELLS FARGO BANK CBG

ALERTS

Tenant, Daniel



DATA SOURCE INFORMATION Tenant, Daniel Names XP DANIEL L TENANT 555115555

TU DANIEL L TENANTTU 555115555 DOB:May 89TUEF DANIEL L TENANT 555115555 DOB:May 89

Addresses XP 94-1100 ANANIA CIR, MILILANI, HI, 96789-2013 Since:Mar 08, until:Mar 08

XP 1 UNIVERSITY DR # 1314, ORANGE, CA, 92866-1005 Since:Aug 08, until:Aug 08TU 941100 ANANIA Circle, MILILANI, HI, 96789 until:Feb 08EF 94-1100 ANANIA CIR, MILILANI TOWN, HI, 96789 until:Jun 08

Employers

CREDITORSSALLIE MAE 3RD PTY LSC 1002 ARTHUR DR LYNN HAVEN, FL 32444 8507677000



Daniel Tenant9000 Anania Circle Mililani, HI 90009











Applicant: Daniel Tenant

Name of Score: EquifaxCredit Score: 673Key Factors affecting the score: -Length of time accounts have been established -Too few accounts currently paid as agreed -Lack of recent bank revolving information -Lack of recent revolving account information

Name of Score: Trans UnionCredit Score: 668Key Factors affecting the score: -Length of time accounts have been established -Amount owed on accounts is too high -Lack of recent revolving account information -Amount owed on accounts too high

Name of Score: ExperianCredit Score: 667Key Factors affecting the score: -Length of time accounts have been open -Lack of recent revolving account information -Lack of recent revolving account information -Too few accounts paid as agreed


Documents

3535 East Coast Highway #305 – Corona del Mar, CA 92625 (714) …isvr.net/usr/1328311900/CustomPages/Roommate_Complete... · 2010-04-16 · Verified Income Summary *Please note