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Equifax 3-Bureau Credit Report and Scores as of Novem ber 23, 2012
Name: Confirmation Number: Section Title 1. Credit Score 2. Credit Report ANAND DAFF 2828413671 Section Description Summary, Understanding Your Score, How Lenders See You Personal, Credit, Account, Inquiry, Public and Dispute Information

CREDIT SCORE
Section Title 1. Credit Score Summary 2. Understanding Your Score 3. Your Loan Risk Rating Section Description Summary of how your score rates Summary of factors that are affecting your score The bottom line on how lenders may view your credit risk

Credit Score Summary Where You Stand

Experian TransUnion

769

Excellent

759

Very Good

750

Very Good

The Equifax Credit Score ranges from 280-850. Higher scores are view ed more favorably. Your 3 credit scores are calculated by Equifax using the information contained in your Equifax, Experian, and TransUnion credit reports. Equifax: Your score is considered excellent. Based on this score, you should be able to qualify for some of the low est interest rates available and a w ide variety of competitive credit offers should be available to you. Experian & TransUnion: Your score is considered very good. Based on this score, you should be able to qualify for credit w ith competitive interest rates, and a w ide variety of credit offers should be available to you.

Range US Population

280 - 559 Poor 12

560 - 659 Fair 21

660 - 724 Good 18

725 - 759 Very Good 12

760 - 850 Excellent 37

What's Impacting Your Scores

Below are the key areas from these credit reports that are impacting your scores.

Experian
Equi f a x

TransUnion

Paym ent History Your history of paying bills on time. Very Good Very Good Very Good

Am ount of Debt Your total amount of outstanding debt.

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Very Good

Very Good

Very Good

Length of Credit History How long you've had credit Poor Poor Poor

Am ount of New Credit Your recent credit history of new loans or applications Very Good Good Very Good

Type of Credit The various types of credit accounts that you have. Fair Fair Fair

Understanding Your Score

Helping your score
Your payment history is excellent. You do not have too much outstanding debt. You have not applied for credit recently. Experian TransUnion

Hurting your score

There is insufficient information about installment accounts. You have a low credit line on credit card accounts.

Experian

TransUnion

What's helping your score

Below are the aspects of your credit profile and history that are helping each of your 3 credit scores. They are listed in order of impact to your scores - the first has the most positive impact, and the last has the least positive impact. You should make an effort to continue these good credit habits.

Experian Your payment history is excellent. You have an excellent payment history on your accounts, which helps your credit score. Paying your bills on time will continue to benefit your credit score.

TransUnion

Your number of accounts that were either 30 days past due in the last 6 months, or in charge-off, repossession, collections, bankruptcy or foreclosure status in the last 2 years: 0 Equifax 760+ Club About 97% of Equifax 760+ Club members have accounts that were neither 30 days past due in the last 6 months nor in charge-off, repossession, collections, bankruptcy or foreclosure status in the last 2 years. You do not have too much outstanding debt. You have limited the amount of credit you are utilizing on revolving accounts. If you keep your credit utilization low, it will continue to help your credit score. Equifax 760+ Club About 98% of Equifax 760+ Club members have either no closed credit card accounts, or they have closed credit card accounts with $0 balance.

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You have not applied for credit recently. You don't have recent credit inquiries, which helps your credit score. In general, your score benefits when you are not actively seeking credit. Your number of inquiries is: 1 Equifax 760+ Club About 88% of Equifax 760+ Club members have had less than 3 credit inquiries in the last 2 years.

What's hurting your score

Below are the aspects of your credit profile and history that are hurting each of your 3 credit scores. They are listed in order of impact to your scores - the first has the most negative impact, and the last has the least negative impact.

Experian There is insufficient information about installment accounts. You either have no installment accounts, or there is insufficient information about these types of accounts, in your credit file. People without installment accounts or those who do not have sufficient information about installment accounts are considered riskier by lenders. It is important to have various types of credit that are held in good standing in your credit file, including installment accounts.

TransUnion

Equifax 760+ Club About 81% of Equifax 760+ Club members either have a balance of less than $177,000 on installment accounts (including mortgages), or have no open installment accounts. You have a low credit line on credit card accounts. Your credit report shows that you have a low credit line on your credit cards. People with low amounts of available credit on credit cards are seen as higher risk by lenders. Your credit score was hurt by this low credit line. As you demonstrate a track record of responsible payments, creditors should be willing to increase your available credit.

Your Loan Risk Rating

Experian TransUnion

769

Excellent

759

Very Good

750

Very Good

- The Equifax Credit Score ranges betw een 280 and 850. - Higher Scores are view ed more favorably by lenders because they represent a low er risk of delinquency or default.

The Bottom Line: Equifax & Experian

Lenders consider many factors in addition to your score w hen making credit decisions. How ever, most lenders w ould consider you to be a low risk. You may qualify for favorable interest rates and offers from lenders and a variety of credit products may be available to you. If you're in the market for credit, this is w hat you might expect: You should be able to obtain higher than average credit limits on your credit card. Many lenders may offer you attractive interest rates and

Delinquency Rates*
*Delinquency Rate is defined as the percentage of borrow ers w ho reach 90 days past due or w orse (such as bankruptcy or account charge-off) on any credit account over a tw o year 7% period.
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72% 50% 33% 20% 12%

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offers. You may qualify for some special incentives and rew ards that aren't alw ays offered to the general public.
Up to 545 546602 603647 648686 687721 722752

The Bottom Line: TransUnion

Lenders consider many factors in addition to your score w hen making credit decisions. How ever, most lenders w ould consider you to be a low risk. You may qualify for favorable interest rates and offers from lenders and a variety of credit products may be available to you. If you're in the market for credit, this is w hat you might expect: You should be able to obtain higher than average credit limits on your credit card. Many lenders may offer you attractive interest rates and offers. You may qualify for some special incentives and rew ards that aren't alw ays offered to the general public. It is important to understand that your credit score is not the only factor that lenders evaluate w hen making credit decisions. Different lenders set their ow n policies and tolerance for risk, and may consider other elements, such as your income, w hen analyzing your creditw orthiness for a particular loan.

4% 2% 753776 777795 1% 796850

CREDIT REPORT
Section Title 1. Credit Summary 2. Account Information 3. Inquiries 4. Negative information 5. Personal Information 6. Dispute File Information Section Description Summary of account activity Detailed account information Companies that have requested or viewed your credit information Bankruptcies, liens, garnishments and other judgements Personal data, addresses, employment history How to dispute information found on this credit report

Credit Summary
Your Credit Summary highlights the information in your credit file that is most important in determining your credit standing, distilling key credit information into one easy-to-read summary.

Accounts
Lenders usually take a positive view of individuals w ith a range of credit accounts - car loan, credit cards, mortgage, etc. -- that have a record of timely payments. How ever, a high debt to credit ratio on certain types of revolving (credit card) accounts and installment loans w ill typically have a negative impact. Equifax Total Mortgage Accounts Balance Credit Limit Debt to Credit Ratio Total Installm ent Accounts Balance High Balance Debt to Credit Ratio 0 $0 N/A N/A 0 $0 N/A N/A TransUnion 0 $0 N/A N/A 0 $0 N/A N/A Experian 0 $0 N/A N/A 0 $0 N/A N/A
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Total Revolving Accounts Balance Credit Limit Debt to Credit Ratio Total Other Accounts Balance Total Open Accounts Total Balance Total Credit Limit Total Debt to Credit Ratio Total Monthly Payment Amount Total Open Accounts w ith a Balance

2 $847 $2,245 38% 0 $0 2 $847 $2,245 38% $23 2

2 $847 $2,245 38% 0 $0 2 $847 $2,245 38% $23 2

2 $847 $2,245 38% 0 $0 2 $847 $2,245 38% $23 2

Debt by Account Type Equifax

Transunion

Experian

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NOTE: Total may not equal 100% due to rounding

Account Age
Usually it is a good idea to keep your oldest credit account open, as a high average account age generally demonstrates stability to lenders. Also, especially if you have been managing credit for a short time, opening many new accounts w ill low er your average account age and may have a negative impact.
Equifax Length of Credit History Av erage Account Age Oldest Account Most Recent Account 2 Years, 2 Months 1 Years, 6 Months 1 Year MIT FEDERAL CREDIT UNION (Opened 09/2010) AMERICAN EXPRESS (Opened 02/2012) TransUnion 2 Years, 2 Months 1 Years, 6 Months 1 Year MIT EFCU (Opened 09/2010) AMEX (Opened 02/2012) Experian 2 Years, 2 Months 1 Years, 6 Months 1 Year MIT FEDERAL CU (Opened 09/2010) AMEX (Opened 02/2012)

Inquiries - Requests for your Credit History

Numerous inquires on your credit file for new credit may cause you to appear risky to lenders, so it is usually better to only seek new credit w hen you need it. Typically lenders distinguish betw een inquiries for a single loan and many new loans in part by the length of time over w hich the inquiries occur. So, w hen rate shopping for a loan it's a good idea to do it w ithin a focused period of time.
Equifax Inquiries in the Last 2 Years Most Recent Inquiry 1 AMEX (Opened 02/2012) TransUnion 1 AMEX (Opened 02/2012) Experian 2 AMEX (Opened 02/2012)

Potentially Negative Information

Late payments, collections and public records can have a negative impact on your credit standing. The more severe they are and the more recent they are, the more negative the potential impact.
Equifax Public Records Negativ e Accounts Collections 0 0 0 TransUnion 0 0 0 Experian 0 0 0

Mortgage Accounts
Mortgage accounts include first mortgages, home equity loans, and any other loans secured by real estate you ow n. You have no Mortgage accounts on file Back to Top

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Installment Accounts
Installment accounts are credit accounts in w hich the amount of the payment and the number of payments are predetermined or fixed, such as a car loan. You have no Installm ent accounts on file Back to Top

Revolving Accounts
Revolving accounts are charge accounts that have a credit limit and require a minimum payment each month, such as most credit cards.

Open Accounts
AMERICAN EXPRESS Equifax Account Type: Account Number: Payment Responsibility: Date Opened: Balance Date: Balance Amount: Monthly Payment: High/Limit: Account Status: Past Due Amount: Comments: Revolving -349991919571XXXX Individual 02/2012 11/2012 $824 $0 $1,245 As Agreed $0 CREDIT CARD $1,245 As Agreed $0 $1,245 As Agreed $0 OPEN CURRENT ACCOUNT LAST PAID: TransUnion Open 349991919571XXXX Individual 02/2012 11/2012 $824 Experian Revolving 349991919571XXXX Individual 02/2012 11/2012 $824

AMERICAN EXPRESS
PO Box 981537 El Paso, TX-799981537 (800) 874-2717

24-Month Paym ent History

Equifax * * * * * * * * NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec 12 12 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10 TransUnion * * * * * * * * NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov 12 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10 10 Experian * * * * * * * * * NR NR NR NR NR NR NR NR NR NR NR NR NR NR NR Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec 12 12 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10
Seven-Year Paym ent History

30 Days Past Due: 60 Days Past Due: 90 Days Past Due:

Equifax 0 0 0

TransUnion 0 0 0

Experian 0 0 0
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MIT FEDERAL CREDIT UNION Equifax Account Type: Account Number: Payment Responsibility: Date Opened: Balance Date: Balance Amount: Monthly Payment: High/Limit: Account Status: Past Due Amount: Comments: Revolving 485176000996XXXX Individual 09/2010 10/2012 $23 $23 $1,000 As Agreed $0 CREDIT CARD AMT IN HIGH CREDIT IS CREDIT LIMIT TransUnion Revolving 48517600XXXX Individual 09/2010 10/2012 $23 $23 $1,000 As Agreed $0 Experian Revolving 96XXXX Individual 09/2010 10/2012 $23 $23 $1,000 As Agreed $0 OPEN CURRENT ACCOUNT LAST PAID: 10/2012

MIT FEDERAL CREDIT UNION

700 Technology Sq Cambridge, MA-021393586 (617) 253-2844

24-Month Paym ent History

Equifax * * * * * * * * * * * * * * * * * * * * * * NR NR Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov 12 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10 10 TransUnion * * * * * * * * * * * * * * * * * * * * NR NR NR NR Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10 10 10 Experian * * * * * * * * * * * * * * * * * * * * * * * * Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov 12 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10 10
Seven-Year Paym ent History

30 Days Past Due: 60 Days Past Due: 90 Days Past Due:

Equifax 0 0 0

TransUnion 0 0 0

Experian 0 0 0

Back to Top

Other Accounts
These are all accounts that do not fall into the other categories and can include 30-day accounts such as American Express. You have no other accounts on file Back to Top

Payment History Key

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Meaning Pays or Paid as Agreed: * 30-59 Days Past Due: 30 60-89 Days Past Due: 60 90-119 Days Past Due: 90 120-149 Days Past Due: 120 150-179 Days Past Due: 150

Symbol

Meaning 180+ Days Past Due: 180 Collection Account: CA Foreclosure: F Voluntary Surrender: VS Repossession: R Charge Off: CO

Symbol

Inquiries
A request for your credit history is called an inquiry. Inquiries remain on your credit report for tw o years. These inquires are made by companies w ith w hom you have applied for a loan or credit.

Equifax
Nam e of Com pany AMEX AMEX
4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184-2145

Date of Inquiry 02/26/12

Type of Business Banking

TransUnion
Nam e of Com pany AMEX AMEX
4315 S 2700 WEST ST. LAKE CITY, UT 84184

Date of Inquiry 02/26/12

Type of Business Banking

Experian
Nam e of Com pany AMEX AMEX
PO BOX 981537 EL PASO, TX 79998 (800) 874-2717

Date of Inquiry 02/26/12

Type of Business Oil And National Credit Cards

AMEX AMEX
20022 N 31ST AVE PHOENIX, AZ 85027

05/25/11

Finance

Back to Top

Negative Accounts
Accounts that contain a negative account status.
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You have no Negative accounts on file Back to Top

Collections
A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed. You have no collections on file Back to Top

Public Records
Public record information includes bankruptcies, liens or judgments and comes from federal, state or county court records. You have nopublic records on file Back to Top

Personal Information
The follow ing information is added to your file either w hen creditors enter requests to view your credit history, or w hen you report it to the three nationw ide credit reporting agencies directly.

Registration Information
Nam e: ANAND DASS Address: 188 KING ST SAN FRANCISCO, CA 94107 Social Security Num ber:XXX-XX-6310

Identification Information
Equifax Nam e: Social Security Num ber: Age or Date of Birth: ANAND DAFF XXX-XX-6310 08/1980 TransUnion ANAND DASS XXX-XX-6310 08/1980 Experian ANAND DASS XXX-XX-6310

Address Information
Equifax Address: 540 MEMORIAL DR APT 1301 CAMBRIDGE MA 02139 Date Reported: 09/2012 Address: Date Reported: Address: Date Reported: 3103 DAVID AVE PALO ALTO CA 94303 11/2012 66 HOMER AVE APT 204 CAMBRIDGE MA 02138 10/2012 TransUnion 3103 DAVID AV PALO ALTO CA 94303 09/2012 66 HOMER AV APT 204 CAMBRIDGE MA 02138 08/2012 540 MEMORIAL DR APT 1301 CAMBRIDGE MA 02139 Experian 3103 DAVID AVE PALO ALTO CA 94303 09/2012 540 MEMORIAL DR APT 1301 CAMBRIDGE MA 02139 03/2012 66 HOMER AVE APT 204 CAMBRIDGE MA 02138 08/2012

Employment Information
Equifax Not Reported Em ployer: Address: Date Reported: TransUnion Not Reported Experian Not Reported

Consumer Statement
Equifax
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You have no Consum er Statem ent on file.

TransUnion
You have no Consum er Statem ent on file.

Experian
You have no Consum er Statem ent on file. Back to Top

Dispute File Information

The 3-in-1 Credit Report provides a valuable comparative review of your credit report based on information from the three major credit reporting agencies. As you review your 3-in-1 Credit Report, you may find potential inaccuracies in the information provided by one or all of the credit reporting agencies. The information below outlines how you may dispute the information w ith the appropriate credit reporting company using your 3-in-1 Credit Report.

Equifax
When you file a dispute, the credit bureau you contact is required to investigate your dispute w ithin 30 days. They w ill not remove accurate data unless it is outdated or cannot be verified. To initiate a dispute online please visit https://w w w .ai.equifax.com To check the status or view the results of your dispute please visit https://w w w .ai.equifax.com

TransUnion Online
Go to http://w w w .transunion.com /dispute to begin an online investigation of information found in your file. No confirmation number is required.

By Mail
Write to TransUnion at P.O. Box 2000, Chester, PA 19022. No confirmation number is required.

Experian Online
Go to http://w w w .experian.com /rs/equifaxinvestigations.htm l to begin an online investigation of information found in your file. No confirmation number is required. Back to Top

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