Credit Profile Report for Tenant Screening

Identify who’s likely to be Credit Profile Report your best tenant. for Tenant Screening

The best screening decisions begin with the best information. Experian’s Credit Profile Report and Score helps you to determine whether or not prospective tenants are going to pay their rent.

Experian’s Credit Profile Report and Complete — The most comprehensive Score allows property managers, nationwide consumer credit information housing authorities, condominium available associations and real-estate agents to quickly determine: Accurate — High-integrity, current information is provided • Whether or not the renter is going to pay by providing access to his or her Easy to read — Our easy-to-read payment history. format groups similar data elements • How long he or she is likely to rent by together for faster analysis returning average length of residence. Our reports return the current address Current and relevant credit and up to 10 previous addresses. information — Higher hit ratios, more complete files and a unique • Why he or she is renting . Does the file matching system that examines renter have a foreclosure on their many variables credit profiles or have they never owned a home? Saves you time and money — • Credit risk. VantageScore® predicts Eliminates multiple inquiries the likelihood of a consumer becoming and replaces manual searches 90 days or greater delinquent on any for information account within 24 months. For your reference, a sample Credit Experian’s tenant screening services Profile Report is provided on the leverage our FileOneSM consumer following pages. database of more than 215 million credit-active consumers, offering you To access test data using test access to information that is: subcodes, please contact your Experian sales representative. A1 A2 A3 A4 A5 A

A6 A7 A8 A9 A10

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Experian’s Credit Profile A8 Telephone number B5 Consumer’s year of birth or Report and Score date of birth Your inquiry initiates a search to our A9 Year of birth or date of birth FileOneSM database, which produces an B6 Consumer’s address, including A10 VantageScore risk model applicant’s credit history — the Credit time frame reported, source and Profile Report. An illustration and number of subscribers reporting description of a sample Credit Profile B Personal Information the address Report follow. B1 Consumer’s name B7 Consumer’s previous addresses B2 Alternate names such as with source, in order by reliability A Inquiry different, previous surnames or of source A1 Consumer’s name nicknames associated with the consumer’s file B8 Last subscriber reporting A2 Social Security number (SSN) the consumer at his or her B3 Consumer’s SSN current address A3 Spouse’s name and SSN B4 Other SSNs reported on the B9 Employer’s name and address, A4 Current address consumer’s file, in descending including time frame reported order based on the number of and source A5 Previous address occurrences reported; an asterisk B10 Previous employer’s name and A6 Driver’s license number denotes any SSN not matching the inquiry input SSN address, with time frame reported A7 Employment and source

2 C

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E3 E7 E6 E4 E8

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C Messages (consumer) E Public records E9 Book and page numbers The Messages section may include Public record information consists general consumer statements of bankruptcies, liens and civil E10 Plaintiff’s name and informational or other special actions against a consumer. messages. Consumer statements E11 Voluntary indicator only; may display relating to a tradeline or a public E1 Reporting court’s name as VOLUN if consumer voluntarily record item appear directly after dismissed bankruptcy the item. E2 Reporting court’s subscriber number E12 Liability and asset amounts for E3 Type of public record/status of bankruptcies only D VantageScore summary public record VantageScore is a highly predictive and easy-to-understand risk score. E4 Original filing date with court It predicts the likelihood of a consumer becoming 90 days or E5 Status date if status is satisfied, greater delinquent on any trade released, vacated, discharged within 24 months. It is available to or dismissed both lenders and consumers. E6 Amount of public record Reminder: To ensure compliance with the Fair Credit Reporting Act, E7 Code describing the consumer’s you must exercise reasonable care association to the public record item to input accurate identification per the Equal Credit Opportunity Act belonging to the consumer when requesting services. E8 Certificate ID or docket number

*An asterisk preceding public record information or a trade indicates that information may need further review. 3 F

F1 F2

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F Tr a d e s F6 Deferred payment start date for F14 Date of consumer’s last payment Any or all of the following deferred loans; “Loans; deferred” on the account information may appear if indicates the terms of the loan have provided by a subscriber: been deferred to a future date F15 Payment amount the consumer is scheduled to pay on the account F1 Mortgage Identification Number F7 Reporting subscriber’s name for mortgage trades F16 Actual monthly payment is indicated F8 Reporting subscriber’s number by the “-A” directly after the monthly F2 Balloon payment information payment amount; represents the (date and amount) F9 KOB (kind of business) code actual payment amount received by describes a subscriber’s business. the lender for that reporting period. F3 Original credit grantor name for The first letter designates an industry. third-party collection agency trades The second letter more narrowly Scheduled monthly payment is defines a subscriber’s business. implied if there is no “-A” or “-E.” F4 Compliance condition code reported by a subscriber to F10 Date the account was opened Estimated monthly payment is distinguish accounts that are indicated by the “-E” directly after “Closed by Consumer” and/or F11 Amount of the loan or credit the monthly payment amount, “Disputed Accounts” established calculated by Experian based on the reporter’s formula. F5 Special comments reported by F12 Payment level date is the a subscriber or a consumer to current status date F17 Balance date is the date of the distinguish accounts that may subscriber’s reported update F13 The amount past due for the account require special handling on the account.

*An asterisk preceding public record information or a trade indicates that information may need further review. 4 F6 F7 F8 F9

F10 F11 F12 F13 F14 F15 F16 F17 F18

F19 F23

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F18 Current balance on the account month and are displayed for balance- 3 = 3–90 days past the due date reporting subscribers only: F19 The account condition indicates the 4 = 4–120 days past the due date current condition of the account. C = Current 5 = 5–150 days past the due date F20 Payment status comments reflect the N = Current account/Zero balance — payment history of the account as of no update tape received for 6 = 6–180 days past the due date the balance date. this trade 7 = Chapter 13 Bankruptcy F21 Type of account 0 = Current account/Zero balance — (petitioned, discharged, reported on update tape reaffirmation of debt rescinded) F22 Consumer’s payment history during the past 25 months beginning with 1 = 1–30 days past the due date 8 = Foreclosure proceeding, the month represented by the deed in lieu balance date. The codes reflect 2 = 2–60 days past the due date the status of the account for each *An asterisk preceding public record information or a trade indicates that information may need further review. 5 F28

F29

9 = Chapter 7, 11 or 12 Bankruptcy F23 Consumer’s account number G Inquiries (petitioned, discharged, Inquiries indicate that a Credit reaffirmation of debt rescinded) F24 Code describing consumer’s Profile Report was received on association to the account per the that date by the subscriber listed. G = Collection Equal Credit Opportunity Act Inquiring subscriber name, number and KOB are shown. Type, terms and H = Foreclosure F25 Terms of account amount may display and are from the J = Voluntary surrender F26 Maximum delinquency and payment subscriber’s inquiry input. code is the most recent date and K = Repossession code of the worst status. H Consumer Assistance Name, address, telephone number L = Charge-off F27 Months reviewed indicates the total and Website of Experian’s consumer number of months history has been B = Account condition change: assistance office or credit reporting maintained for the account. payment code not applicable agency nearest to the consumer’s current address. Use for consumer F28 Portfolio “Sold To:” or “Purchased — (dash) = No history reported referrals. Display is elective; contact From:” name for that month your Experian sales representative. F29 Two amounts may display. Indicates Blank = No history maintained; To find out more about Credit the account has a 12,500 limit (L) and see payment status comment Profile Report for Tenant Screening, the highest balance (H) was $10,659. contact your local Experian sales representative or call 1 888 414 1120.

6 Experian 475 Anton Blvd. Costa Mesa, CA 92626 T: 1 888 414 1120 www.experian.com

Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc.

Other product and company names mentioned herein may be the trademarks of their respective owners.

VantageScore® is owned by VantageScore Solutions, LLC.

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