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63238
123 Main Street
PENDING
Decline
1 of 2 Complete
  Income Ratio: 2.2
 
 Monday, July 31, 2017
 Wednesday, August 30, 2017
Smartmove Recommendation Details:
Based on the credit requirements you've set for this property, the credit history for these applicants contains adverse events that indicate a significant risk in the applicants' ability to meet the lease terms you've indicated. The risk is significant enough that you should not lease to these applicants without additional financial security (e.g. a cosigner/guarantor). At this point no further steps are necessary other than to communicate your decision to the applicants.

JOE SMITH

SSN: SSN Match (confirmed by bureau) Report Date: Monday, July 31, 2017

Income (Entered by Applicant)

Employment Income Pay Type Other Income Other Income Type Income-to-Rent Ratio (this applicant only)
$12,000.00 Per Year $1,200.00 Per Month 2.2

Addresses

Address Address Type Date Reported
1. 1 RR1 BOX 166 Personal Jun 1, 2017
GRASONVILLE, MD 21638 Address contained in bureau database

Employment

Employer Verified Date
TEST Thursday, June 1, 2017
DATAWORKS Thursday, June 1, 2017

Fraud Indicators

No indicators found.

Profile Summary

Record Counts

Tradelines:

7

Collections:

4

Public Records:

1

Inquiries:

1

Derogatory Items

Negative Tradelines:

7

Tradelines with any historical negatives:

2

Occurrence of any historical negatives:

9

Tradeline Summary Count High Credit Credit Limit Balance Past Due Payment Available
Revolving 7 $960.00 $900.00 $960.00 $214.00 $45.00 0%
Installment 0 N/A N/A N/A N/A N/A N/A
Mortgage 0 N/A N/A N/A N/A N/A N/A
Open 0 N/A N/A N/A N/A N/A N/A
Closed with Balance - N/A N/A $1,990.00 $1,104.00 $42.00 N/A
Total 7 $960.00 $900.00 $2,950.00 $1,318.00 $87.00 N/A

Resident Score

This is the range used by TransUnion. Please note the ResidentScore is not the only item that should be used to determine your decision.

477

Score Factor
Level of delinquency on accounts
Too few bank revolving accounts
Number of accounts with delinquency
Number of Collections within 36 months

Tradelines

Tradelines Total

Count:

7

Balance Total:

$2,950.00

Total Credit Limit:

$900.00

Total Past Due:

$1,318.00

Trades

SWISS COLONY

Industry: Department stores Open: 01/13 Balance: $155.00
Loan Type: Charge Account Verified: 04/17 Past Due: $151.00
Loan Terms: - Closed: 09/16 Credit Limit: -
Account Type: Individual account
Status: Charged off as bad debt
Notes: Profit and loss write-off
Late Payment Summary (48 Months)

0

90

0

60

0

30

SEVENTH AVE

Industry: Department stores Open: 11/13 Balance: $89.00
Loan Type: Charge Account Verified: 04/17 Past Due: $87.00
Loan Terms: - Closed: 09/16 Credit Limit: -
Account Type: Individual account
Status: Charged off as bad debt
Notes: Profit and loss write-off
Late Payment Summary (48 Months)

0

90

0

60

0

30

TDRC/LEHS

Industry: Clothing Open: 08/12 Balance: $223.00
Loan Type: Charge Account Verified: 03/17 Past Due: $0.00
Loan Terms: - Closed: 09/16 Credit Limit: $700.00
Account Type: Individual account
Status: Charged off as bad debt
Notes: Profit and loss write-off
Late Payment Summary (48 Months)

0

90

0

60

0

30

BLAIR CORP

Industry: Clothing Open: 05/13 Balance: $677.00
Loan Type: Charge Account Verified: 03/17 Past Due: $677.00
Loan Terms: - Closed: 11/16 Credit Limit: -
Account Type: Individual account
Status: Collection account
Notes: Placed for collection
Late Payment Summary (48 Months)

0

90

0

60

0

30

GINNY'S INC

Industry: Department stores Open: 02/15 Balance: $0.00
Loan Type: Charge Account Verified: 04/17 Past Due: $0.00
Loan Terms: - Closed: 09/16 Credit Limit: -
Account Type: Individual account
Status: Payment after charge off/ collection
Notes: Paid profit and loss
Late Payment Summary (48 Months)

0

90

0

60

0

30

FASHION BUG

Industry: Clothing Open: 12/12 Balance: $960.00
Loan Type: Charge Account Verified: 04/17 Past Due: $214.00
Loan Terms: MIN Closed: - Credit Limit: $900.00
Account Type: Individual account
Status: 120 days past due
Notes: -
Late Payment Summary (48 Months)

2

90

1

60

1

30
2017
120
90
60
2016
30
2015
NA
2014
NA
NA
2013

KOHLS/CHASE

Industry: Department stores Open: 06/15 Balance: $846.00
Loan Type: Credit Card Verified: 03/17 Past Due: $189.00
Loan Terms: MIN Closed: 08/16 Credit Limit: $100.00
Account Type: Individual account
Status: 120 days past due
Notes: Account closed by credit grantor
Late Payment Summary (48 Months)

3

90

1

60

1

30
2017
120
120
2016
90
60
30
2015

Collections

Collection Totals

Count:

4

Balance Total:

$417.00

Collections

COMPASS REC

Industry: Collection services Open: 09/16 Balance: $153.00
Loan Type/Terms: Open Verified: 04/17 Original Balance: $153.00
Account Type: Individual account Past Due: -
Status: Collection account
Remarks: Placed for collection
Credit Grantor: SC SWISS COLONY

ACBS COL CLA

Industry: Collection services Open: 12/16 Balance: $119.00
Loan Type/Terms: Open Verified: 01/17 Original Balance: $119.00
Account Type: Individual account Past Due: -
Status: Collection account
Remarks: Placed for collection
Credit Grantor: FIT PHYSIQUE INC

MERCHANTS CR

Industry: Collection services Open: 09/16 Balance: $89.00
Loan Type/Terms: Open Verified: 01/17 Original Balance: $89.00
Account Type: Individual account Past Due: -
Status: Collection account
Remarks: Placed for collection
Credit Grantor: SEVENTH AVENUE

CBCS

Industry: Collection services Open: 03/16 Balance: $56.00
Loan Type/Terms: Open Verified: 04/16 Original Balance: $29.00
Account Type: Individual account Past Due: -
Status: Collection account
Remarks: Placed for collection
Credit Grantor: CK OUTLOOKS FOR HAIR 53

Consumer Statements

No statements found.

Inquiries

Date Name Kind of Business
7/31/2017 TURSS Miscellaneous

Public Records

1. Date Reported: 6/05/2015 Type: Civil judgment Kind of Business: Miscellaneous
Case #: 11113 Attorney: Liability: $8,094.00
Court Type: Common Pleas Account Type: Joint contractual liability on account Asset Amount:
Court Location: Plaintiff: SALTER ROSA Member Code: 05127065
Date Settled:
Criminal Records Search Results:

No Image

Dataset: California Riverside County
State: CA
Age: UNKNOWN

Aliases

ec en

Physical Features

Sex: UNKNOWN
Height: UNKNOWN
Weight: UNKNOWN
Race: UNKNOWN

Summary

Incident(s):

0

Booking(s):

0

Arrest(s):

0

Court Action(s):

1

Sentencing(s):

0

Supervision(s):

0

Court Action

ID 14563ATD
Charge Description ** No convicted charges found **
Appealed From Lower Court false
Activity Date 2006-02-16
Eviction Records Search Results:
CA
1 SMITH, JOE .
Address: 2331 E SANTA CLARA AVE F SANTA ANA,CA 92705
County: Orange
Record ID: 1998548
File Number: CL03662
Action Date: 6/30/2005
Case Type: Landlord Tenant Filing
Plaintiff: Essex Management Corporation Inc
Judgement Amount: N/A
MD
1 SMITH, JOE I.
Address: 166 RR1 GRASONVILLE,MD 21638
County: Dallas Jp Ct 5-1 Beckley O
Record ID: MPXXXXXX14
File Number: TESTCASENUMBER14
Action Date: 7/1/2015
Case Type: Forcible Entry/Detainer
Plaintiff: Test Test
Judgement Amount: N/A
NY
1 SMITH, JOE S.
Address: 2266 GLEASON AVE #18A BRONX,NY 10462
County: Civil Court Of The City Of New York - Bronx Branch
Record ID: E011053283
File Number: 20060043262
Action Date: 12/15/2006
Case Type: Forcible Entry/Detainer
Plaintiff: Castle Realty L
Judgement Amount: N/A
NY
1 SMITH, JOE/ .
Address: 2 MACON STREET Apartment 3A BROOKLYN,NY 112160000
County: Kings
Record ID: 2320050098226
File Number: 2320050098226
Action Date: 11/16/2005
Case Type: Petitioner/Non Payment
Plaintiff: Associates L.P. 2 Macon Street
Judgement Amount: $1,470

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