Merge(3)
Prepared By Credit Information Bureau Mortgage Services 600 Saw Mill Rd. West Haven, CT 06517 203-931-2000	Prepared For HTML Test Customer 600 Saw Mill Rd West Haven, CT 06516	Report ID 17642 Customer Code MJDHTML

Ordered 04/21/2004

Released 04/21/2004

Reissued 04/23/2004

Price

Repositories Requested TransUnion, Experian, Equifax

Applicant						Co-Applicant
Name Michael Abacommon		Social Security Number 076-84-9627				Name		Social Security Number
Current Address 1 Compliant Dr Fantasy Island, IL 60750			Former Address			Current Address			Former Address
Employer Test Position Test			Former Employer Abc Co			Employer			Former Employer

Repository Files
Name	Social Security Number	Repository	Score(s)	Pulled	File ID
Michael Abacommon	076-84-9627	TransUnion	607	04/21/2004	TUC-A1
Michael Abacommon	076-84-9627	Experian	142, 649, 655, 639, 654	04/21/2004	EXP-A1
Michael Abacommon	076-84-9627	Equifax	628	04/21/2004	EQX-A1

Credit Score Information
Score 607	Name Michael Abacommon	Repository TransUnion	Model New Empirica	Developed By Fair, Isaac	Range 200-800	Calculated 04/21/2004	Reported On TUC-A1
	Factors   • Derogatory public record or collection filed   • Length of time since derogatory public record or collection is too short   • Proportion of balances to credit limits is too high on bank revolving or other revolving accounts   • Level of delinquency on accounts
Score 142	Name Michael Abacommon	Repository Experian	Model National Risk	Developed By Fair, Isaac	Range 200-800	Calculated 04/21/2004	Reported On EXP-A1
	Factors   • Number of credit inquiries.   • Presence of non_satisfactory ratings on accounts or lack of open accounts.   • Presence of derogatory public record information.   • Balances on revolving accounts.
Score 649	Name Michael Abacommon	Repository Experian	Model Fair Isaac Bankcard	Developed By Fair, Isaac	Range 200-800	Calculated 04/21/2004	Reported On EXP-A1
	Factors   • Derogatory public record or collection filed.   • Number of accounts delinquent.   • Proportion of balance to high credit on bank revolving or all revolving accounts.   • Delinquency reported on accounts.
Score 639	Name Michael Abacommon	Repository Experian	Model Fair Isaac	Developed By Fair, Isaac	Range 200-800	Calculated 04/21/2004	Reported On EXP-A1
	Factors   • Derogatory public record or collection filed.   • Number of accounts delinquent.   • Proportion of balance to high credit on bank revolving or all revolving accounts.   • Delinquency reported on accounts.
Score 654	Name Michael Abacommon	Repository Experian	Model Fair Isaac Installment	Developed By Fair, Isaac	Range 200-800	Calculated 04/21/2004	Reported On EXP-A1
	Factors   • Derogatory public record or collection filed.   • Number of accounts delinquent.   • Proportion of balance to high credit on bank revolving or all revolving accounts.   • Delinquency reported on accounts.
Score 628	Name Michael Abacommon	Repository Equifax	Model Beacon 96	Developed By Fair, Isaac	Range 200-800	Calculated 04/21/2004	Reported On EQX-A1
	Factors   • Derogatory public record or collection field   • Proportion of balances to credit limits is too high on bank revolving or other revolving accounts   • Number of accounts with delinquency   • Length of time since derogatory public record or collection is too short

Credit History
Tradeline Summary
Number of Trades 45		Number of Open Trades 45		Number of Delinquent Trades 17		Credit Limit $115,754	High Credit $197,053	Past Due $0	Payment $1,259	Balance $244,307
CAPITAL CRDT 9900 SW Wilshire Portland, OR 97225 503-297-4488 Account Number 2047944	ECOA Individual	Opened 12/2002	Last Activity	Closed	Reported 12/2003M	Credit Limit	High Credit	Past Due $0	Payment	Balance $97,547
	Account Type Open	Collateral	Terms	Reported On TUC-A1		Manner of Payment Collection
	Comment PLACED FOR COLLECTION / CREDITOR: TEST
TEST 8000 Arlington Expresswa Jacksonville, FL 32211 Account Number 076849627	ECOA	Opened 06/2002	Last Activity 04/2001	Closed	Reported 06/2003A	Credit Limit	High Credit $97,547	Past Due $0	Payment	Balance $97,547
	Account Type U	Collateral	Terms	Reported On EQX-A1		Manner of Payment Collection
	Comment UNPAID
CITI P.O. Box 6500 Siou Falls, SD 57117 Account Number 427138208647	ECOA Individual	Opened 11/1998	Last Activity 12/2003	Closed 12/2003	Reported 12/2003A	Credit Limit $14,000	High Credit	Past Due $0	Payment (Est.) $614	Balance $12,282
	Account Type Revolving	Collateral	Terms	Reported On EQX-A1		Manner of Payment Current
	Months Reviewed 61	30-59 Days Late		60-89 Days Late		90+ Days Late
CITIBANK PREFERRED VIS PO Box 6500 Sioux Falls, SD 57117 Account Number 42713820	ECOA Individual	Opened 02/1998	Last Activity 04/2003	Closed	Reported 04/2003A	Credit Limit $14,000	High Credit	Past Due $0	Payment $148	Balance $12,206
	Account Type Revolving	Collateral Credit Card, Terms Rev	Terms	Reported On EXP-A1		Manner of Payment Current
	Months Reviewed 64	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment CURR ACCT
CITI POB 6500 Sioux Falls, SD 57117 800-950-5118 Account Number 4271	ECOA Individual	Opened 01/1999	Last Activity	Closed	Reported 03/2004V	Credit Limit $14,000	High Credit $0	Past Due $0	Payment $148	Balance $12,200
	Account Type Revolving	Collateral Credit Card	Terms	Reported On TUC-A1		Manner of Payment Current
	Months Reviewed 48	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
HUDSON CRDTU 159 Barnegat Road Poughkeepsie, NY 12601 914-463-3011 Account Number 85337013	ECOA Individual	Opened 07/2003	Last Activity	Closed	Reported 03/2004V	Credit Limit	High Credit $11,500	Past Due $0	Payment $233	Balance $9,995
	Account Type Installment	Collateral Automobile	Terms 60 Months	Reported On TUC-A1, EXP-A1, EQX-A1		Manner of Payment Current
	Months Reviewed 22	30-59 Days Late 1 Times 07/2002		60-89 Days Late 0 Times		90+ Days Late 0 Times
CITIBANK 143 Sparks Ave Pelham, NY 10803 203-931-2000 Account Number 1281	ECOA Joint	Opened 02/2002	Last Activity	Closed	Reported 04/2004V	Credit Limit	High Credit $1,500	Past Due $0	Payment (Est.) $58	Balance $1,164
	Account Type Revolving	Collateral Line of Credit	Terms	Reported On TUC-A1		Manner of Payment Current
	Months Reviewed 22	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
CITIBNK OD 143 Sparks Ave Pelham, NY 10803 Account Number 12810000	ECOA Joint	Opened 12/2001	Last Activity 01/2004	Closed 01/2004	Reported 01/2004A	Credit Limit $1,500	High Credit	Past Due $0	Payment (Est.) $58	Balance $1,164
	Account Type Revolving	Collateral	Terms	Reported On EQX-A1		Manner of Payment Current
	Months Reviewed 24	30-59 Days Late		60-89 Days Late		90+ Days Late
CAPITAL CRDT 9900 SW Wilshire Portland, OR 97225 503-297-4488 Account Number 361314	ECOA Individual	Opened 07/2003	Last Activity	Closed	Reported 02/2004M	Credit Limit	High Credit $101	Past Due $0	Payment	Balance $101
	Account Type Open	Collateral	Terms	Reported On TUC-A1		Manner of Payment Collection
	Comment PLACED FOR COLLECTION / CREDITOR: TEST
TEST 8000 Arlington Expresswa Jacksonville, FL 32211 Account Number 076849627	ECOA	Opened 01/2003	Last Activity 11/2001	Closed	Reported 08/2003A	Credit Limit	High Credit $101	Past Due $0	Payment	Balance $101
	Account Type U	Collateral	Terms	Reported On EQX-A1		Manner of Payment Collection
	Comment UNPAID
AT&T WIRELESS SERVICES 15 E Midland Ave Paramus, NJ 07652 Account Number 250000003888	ECOA Individual	Opened 02/2003	Last Activity 03/2003	Closed	Reported 04/2003A	Credit Limit	High Credit	Past Due $0	Payment	Balance $0
	Account Type Installment	Collateral Unknown _ Credit Extension, Review, Or Collection	Terms 1 Payments	Reported On EXP-A1		Manner of Payment Current
	Months Reviewed 3	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment CURR ACCT
ATTWSNEPCS 15 East Midland Ave Paramus, NJ 07652 Account Number 2500000038880000	ECOA Individual	Opened 11/2003	Last Activity 12/2003	Closed 12/2003	Reported 12/2003A	Credit Limit	High Credit $0	Past Due $0	Payment	Balance $0
	Account Type Open	Collateral	Terms	Reported On EQX-A1		Manner of Payment Unrated
BANK ONE Kettering Tower,Room 2600 Dayton, OH 45401 937-449-6952 Account Number 438403375	ECOA Individual	Opened 10/2002	Last Activity 12/2002	Paid 12/2002	Reported 12/2003A	Credit Limit	High Credit $4,500	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral	Terms	Reported On EQX-A1, EXP-A1		Manner of Payment Current
	Months Reviewed 14	30-59 Days Late		60-89 Days Late		90+ Days Late
	Comment ACCOUNT CLOSED BY CONSUMER / PAID ACCOUNT/ZERO BALANCE
BK 1 CAREC P O Box 276 Dayton, OH 45401 Account Number 4	ECOA Individual	Opened 12/2002	Last Activity	Closed 06/2003	Reported 02/2004V	Credit Limit $4,500	High Credit $4,500	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Credit Card	Terms	Reported On TUC-A1		Manner of Payment Current
	Months Reviewed 12	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment ACCOUNT CLOSED BY CONSUMER
BLOOMD / FDSB 9111 Duke Blvd Mason, OH 45040 Account Number 607377	ECOA Individual	Opened 09/1991	Last Activity	Paid 08/1995	Reported 02/2004V	Credit Limit $200	High Credit $315	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral	Terms	Reported On TUC-A1, EXP-A1		Manner of Payment Current
CBUSASEARS 13200 Smith Road Cleveland, OH 44130 Account Number 6483	ECOA Individual	Opened 03/1992	Last Activity	Paid 07/2000	Reported 08/2000V	Credit Limit $1,300	High Credit $361	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Charge Account	Terms	Reported On TUC-A1	Maximum Delinquency 05/2000, $20, 60-89 Days Late	Manner of Payment Current
	Months Reviewed 34	30-59 Days Late 1 Times 04/2000		60-89 Days Late 1 Times 05/2000		90+ Days Late 0 Times
CBUSASEARS P.O.Box 660101 Dallas, TX 75266 Account Number 8414-648353529	ECOA Individual	Opened 01/1992	Last Activity 06/2000	Closed 06/2000	Reported 06/2000A	Credit Limit $1,332	High Credit	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral	Terms	Reported On EQX-A1	Maximum Delinquency 02/2000, 60-89 Days Late	Manner of Payment Current
	Months Reviewed 69	30-59 Days Late 1 Times 01/2000		60-89 Days Late 1 Times 02/2000		90+ Days Late 0 Times
	Comment CHARGE
CHRYS CRED 580 White Plains Rd Tarrytown, NY 10591 914-333-1300 Account Number 212160	ECOA Individual	Opened 03/1994	Last Activity	Closed 09/1996	Reported 09/1996A	Credit Limit $8,776	High Credit	Past Due $0	Payment	Balance $0
	Account Type Installment	Collateral Auto Loan	Terms 48 Payments	Reported On EXP-A1		Manner of Payment Current
	Months Reviewed 31	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment PAID SATIS
CITI P.O. Box 6500 Sioux Falls, SD 57117 Account Number 412800210817	ECOA Individual	Opened 02/1995	Last Activity 12/1998	Closed 12/1998	Reported 12/1998A	Credit Limit	High Credit $0	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral	Terms	Reported On EQX-A1		Manner of Payment Current
	Months Reviewed 35	30-59 Days Late		60-89 Days Late		90+ Days Late
	Comment ACCOUNT CLOSED BY CONSUMER
CITI 701 E 60th St N Sioux Falls, SD 57117 800-950-5114 Account Number 4128	ECOA Individual	Opened 04/1995	Last Activity	Closed	Reported 01/1999V	Credit Limit $6,000	High Credit $0	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Credit Card	Terms	Reported On TUC-A1		Manner of Payment Current
	Months Reviewed 18	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
CITI P.O. Box 15109 Wilmington, DE 19850 800-635-1520 Account Number 43	ECOA Individual	Opened 10/2000	Last Activity	Closed 05/2002	Reported 12/2003V	Credit Limit $9,800	High Credit $9,800	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Credit Card	Terms	Reported On TUC-A1		Manner of Payment Current
	Months Reviewed 19	30-59 Days Late 1 Times 12/2002		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment ACCOUNT CLOSED BY CONSUMER
CITIBANK 4500 New Linden Hill Rd Wilmington, DE 19808 800-635-1520 Account Number 433901	ECOA Individual	Opened 08/2000	Last Activity 03/2002	Closed 03/2002	Reported 10/2003A	Credit Limit	High Credit $9,800	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral	Terms	Reported On EQX-A1	Maximum Delinquency 03/2002, 30-59 Days Late	Manner of Payment Current
	Months Reviewed 38	30-59 Days Late 2 Times 04/2001, 08/2000		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment PAID ACCOUNT/ZERO BALANCE / CLOSED ACCOUNT
CITIBANK VISA PO Box 6500 Sioux Falls, SD 57117 Account Number 41280021	ECOA Individual	Opened 05/1994	Last Activity	Closed 04/1998	Reported 01/2001A	Credit Limit	High Credit	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Credit Card, Terms Rev	Terms	Reported On EXP-A1		Manner of Payment Current
	Months Reviewed 82	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment CURR ACCT / CREDIT LINE CLOSED _ CONSUMER'S REQUEST.
DISCOVER CARD SERVICES PO Box 15316 Wilmington, DE 19850 Account Number 60110028	ECOA Individual	Opened 11/1991	Last Activity 04/2003	Closed	Reported 04/2003A	Credit Limit	High Credit $416	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Credit Card, Terms Rev	Terms	Reported On EXP-A1		Manner of Payment Current
	Months Reviewed 99	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment CURR ACCT
DISCOVER FIN POB 15316 Wilmington, DE 19850 Account Number 6011	ECOA Individual	Opened 10/1992	Last Activity	Paid 07/1999	Reported 03/2004V	Credit Limit	High Credit $0	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Credit Card	Terms	Reported On TUC-A1		Manner of Payment Current
	Months Reviewed 24	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
DISCOVR CD PO Box15316 Wilmington, DE 19850 Account Number 601100286002	ECOA Individual	Opened 08/1992	Last Activity 05/1999	Closed 05/1999	Reported 11/2003A	Credit Limit	High Credit $0	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral	Terms	Reported On EQX-A1	Maximum Delinquency 06/1998, 60-89 Days Late	Manner of Payment Current
	Months Reviewed 73	30-59 Days Late 1 Times		60-89 Days Late 1 Times		90+ Days Late 0 Times
	Comment CREDIT CARD
GDYR / CBUSA POB 5002 Sioux Falls, SD 57117 800-767-0291 Account Number 775301002005	ECOA Individual	Opened 06/1997	Last Activity	Paid 03/1999	Reported 04/2004V	Credit Limit $1,300	High Credit $202	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Charge Account	Terms	Reported On TUC-A1, EXP-A1, EQX-A1		Manner of Payment Current
	Months Reviewed 21	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
HSBC BANK 237 Main Street Buffalo, NY 14203 Account Number 40000	ECOA Individual	Opened 09/1996	Last Activity 09/1999	Closed 09/1999	Reported 09/1999A	Credit Limit	High Credit $2,000	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral	Terms	Reported On EQX-A1		Manner of Payment Current
	Months Reviewed 36	30-59 Days Late		60-89 Days Late		90+ Days Late
	Comment CLOSED ACCOUNT / CREDIT CARD
HSBC BANK One Marine Midland Tower Syracuse, NY 13221 315-424-3100 Account Number 4203499790000	ECOA Individual	Opened 05/1996	Last Activity 02/2000	Closed 02/2000	Reported 02/2000A	Credit Limit	High Credit $0	Past Due $0	Payment	Balance $0
	Account Type Installment	Collateral	Terms 48 Months	Reported On EQX-A1	Maximum Delinquency 01/1999, 30-59 Days Late	Manner of Payment Current
	Months Reviewed 44	30-59 Days Late 2 Times 04/1999, 01/1999		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment AUTO
HSBC MORT CO Account Number 420349979	ECOA Individual	Opened 07/1996	Last Activity	Closed 04/2000	Reported 04/2000V	Credit Limit	High Credit $5,114	Past Due $0	Payment	Balance $0
	Account Type Installment	Collateral	Terms	Reported On TUC-A1		Manner of Payment Current
	Months Reviewed 23	30-59 Days Late 1 Times 05/1999		60-89 Days Late 0 Times		90+ Days Late 0 Times
HSBC MORTUSA Consumer Disputes Buffalo, NY 14240 800-874-2100 Account Number 93504	ECOA Individual	Opened 11/1996	Last Activity	Paid 05/1999	Reported 12/1999V	Credit Limit	High Credit $2,000	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral	Terms	Reported On TUC-A1, EXP-A1		Manner of Payment Current
	Months Reviewed 23	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
HUDSON VALLEY FEDERAL 159 Barnegat Rd Poughkeepsie, NY 12601 914-463-3011 Account Number 85337013	ECOA Individual	Opened 04/1999	Last Activity	Closed 08/2002	Reported 08/2002A	Credit Limit $12,000	High Credit	Past Due $0	Payment	Balance
	Account Type Installment	Collateral Auto Loan	Terms 60 Payments	Reported On EXP-A1		Manner of Payment
	Months Reviewed 41	30-59 Days Late 1 Times 09/2001		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment PD WAS 30
HUDSON VLY PO Box 1750 Poughkeepsie, NY 12601 914-463-3011 Account Number 853370130000	ECOA Individual	Opened 01/2000	Last Activity 03/2003	Paid 03/2003	Reported 05/2003A	Credit Limit	High Credit $12,000	Past Due $0	Payment $243	Balance $0
	Account Type Installment	Collateral	Terms	Reported On EQX-A1	Maximum Delinquency 06/2002, 30-59 Days Late	Manner of Payment Current
	Months Reviewed 39	30-59 Days Late 1 Times 04/2002		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment PAID ACCOUNT/ZERO BALANCE / AUTO
IBC 16935 W. Bernardo San Diego, CA 92127 619-675-1070 Account Number 505624730013	ECOA Individual	Opened 04/2002	Last Activity	Closed	Reported 06/2002V	Credit Limit	High Credit $16,700	Past Due $0	Payment $497	Balance
	Account Type Installment	Collateral Lease	Terms 36 Months	Reported On TUC-A1		Manner of Payment Current
LINCOLN SVGS 123 Eab Plz Uniondale, NY 11553 516-932-3400 Account Number 80610001430	ECOA Individual	Opened 04/1992	Last Activity	Closed 08/1994	Reported 08/1994V	Credit Limit	High Credit $1,500	Past Due $0	Payment $24	Balance $0
	Account Type Installment	Collateral	Terms	Reported On TUC-A1		Manner of Payment Current
MARINE MIDLAND BANK 1 Marine Midland Ctr Buffalo, NY 14203 Account Number 420349979	ECOA Individual	Opened 08/1995	Last Activity	Closed 06/1999	Reported 06/1999A	Credit Limit $5,114	High Credit $6,524	Past Due $0	Payment	Balance $0
	Account Type Installment	Collateral Auto Loan	Terms 48 Payments	Reported On EXP-A1		Manner of Payment
	Months Reviewed 46	30-59 Days Late 2 Times 08/1998, 05/1998		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment PD WAS30_2
MBGA / IKEA POB 103016 Roswell, GA 30076 800-283-9741 Account Number 8156446	ECOA Authorized User	Opened 03/2002	Last Activity	Paid 03/2003	Reported 03/2003V	Credit Limit $800	High Credit $750	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral	Terms	Reported On TUC-A1		Manner of Payment Current
	Months Reviewed 13	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
MBGA / IKEA P O Box 103000 Roswell, GA 30076 800-283-9741 Account Number CG168156-4460000	ECOA Authorized User	Opened 01/2002	Last Activity 12/2002	Closed 12/2002	Reported 01/2003A	Credit Limit	High Credit $750	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral	Terms	Reported On EQX-A1		Manner of Payment Current
	Months Reviewed 12	30-59 Days Late		60-89 Days Late		90+ Days Late
MBNA AMER 400 Christiana Rd Newark, DE 19713 Account Number 001485380000	ECOA Individual	Opened 12/1995	Last Activity	Closed	Reported 02/2000A	Credit Limit $2,500	High Credit	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral	Terms	Reported On EQX-A1		Manner of Payment Current
	Months Reviewed 12	30-59 Days Late		60-89 Days Late		90+ Days Late
MBNA AMERICA POB 15026 Wilmington, DE 19801 Account Number 53	ECOA Individual	Opened 02/1996	Last Activity	Closed 04/2001	Reported 04/2001V	Credit Limit $2,500	High Credit $1,476	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Credit Card	Terms	Reported On TUC-A1		Manner of Payment Current
	Comment ACCOUNT CLOSED BY CONSUMER
MBNA AMERICA BANK NA 400 Christiana Road Newark, DE 19713 Account Number 5	ECOA Individual	Opened 03/1995	Last Activity	Closed 05/2000	Reported 05/2000A	Credit Limit $2,500	High Credit $103	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Credit Card, Terms Rev	Terms	Reported On EXP-A1		Manner of Payment Current
	Months Reviewed 63	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment PAID SATIS / CREDIT LINE CLOSED
MBNA AMERICA BANK NA 400 Christiana Road Newark, DE 19713 Account Number 5	ECOA Individual	Opened 03/1995	Last Activity 01/2000	Closed	Reported 05/2003A	Credit Limit $2,500	High Credit	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Credit Card, Terms Rev	Terms	Reported On EXP-A1		Manner of Payment Current
	Months Reviewed 98	30-59 Days Late 0 Times		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment CURR ACCT
SEARS 13200 Smith Rd Cleveland, OH 44130 Account Number 64835	ECOA Individual	Opened 04/1991	Last Activity 07/1999	Closed	Reported 04/2003A	Credit Limit $1,332	High Credit $361	Past Due $0	Payment	Balance $0
	Account Type Revolving	Collateral Revolving Charge Account	Terms	Reported On EXP-A1	Maximum Delinquency 06/1999	Manner of Payment Current
	Months Reviewed 99	30-59 Days Late 1 Times		60-89 Days Late 1 Times		90+ Days Late 0 Times
	Comment CUR WAS 60
SLMA / LSCP 23 Beekman St Wilke Barre, PA 18702 800-458-2080 Account Number 50562473	ECOA Individual	Opened 08/1993	Last Activity	Closed 02/1995	Reported 02/1995V	Credit Limit	High Credit $1,350	Past Due $0	Payment $24	Balance $0
	Account Type Installment	Collateral Student Loan	Terms	Reported On TUC-A1		Manner of Payment Current
	Comment CLOSED
THE TRAVELERS BANK P O Box 15687 Wilmington, DE 19850 800-772-7775 Account Number 43390189	ECOA Individual	Opened 11/1999	Last Activity	Closed 05/2002	Reported 05/2002A	Credit Limit $9,800	High Credit $5,782	Past Due $0	Payment	Balance
	Account Type Revolving	Collateral Credit Card, Terms Rev	Terms	Reported On EXP-A1		Manner of Payment
	Months Reviewed 30	30-59 Days Late 2 Times 02/2002, 06/2001		60-89 Days Late 0 Times		90+ Days Late 0 Times
	Comment PD WAS30_2 / CREDIT LINE CLOSED _ CONSUMER'S REQUEST.

Public Records
Subscriber Code 1011044 Putnam County Clerk 40 S Gleneida Ave Carmel, NY 10512 Docket 92-012596	Reported On EXP-A1	Court Type	ECOA	Type 08	Reported 10/2000	Verified	Discharged	Paid	Amount	Liability $1,100	Assets
	Plaintiff Nys		Attorney		Defendant		Disposition
	Description CIV CL JUDG		Comment

Inquiries
Reported On	Name	Subscriber Code	Date	ECOA
EQX-A1	FST DTA CP	644ZS04437	03/21/2004

Fraud Messages
Date	Reported On	Comment
04/21/2004	EXP-A1	ST/TOMMORROW IL 60750/847.555.1788
04/21/2004	EXP-A1	FACS+ INDICATOR: ONFILE ADDRESS IDENTIFIED AS CAUTIOUS
04/21/2004	EXP-A1	EXP FACS+: SSN ISSUED BETWEEN 1974 AND 1976.
04/21/2004	EXP-A1	FACS+ MESSAGE: CKPT: REPORTED CAUTIOUS ON FACS+ FILE/SEA GATE/4850 37T

File Summary
Current Status
	Mortgage	Installment	Revolving	Open Line of Credit	Miscellaneous	Total
Number of Trades	0	11	29	3	2	45
Number of Current Trades	0	8	23	0	0	31
Number of Closed or Paid Trades	0	0	0	0	0	0
Number of Unrated Trades	0	0	0	1	0	1
Number of Times 30-59 Days Late	0	0	0	0	0	0
Number of Times 60-89 Days Late	0	0	0	0	0	0
Number of Times 90+ Days Late	0	0	0	0	2	2
Payment Amount	$0	$233	$1,026	$0	$0	$1,259
Trade Balance	$0	$9,995	$39,016	$97,648	$97,648	$244,307
Available Line of Credit						$71,814
Historical Status
	Mortgage	Installment	Revolving	Open Line of Credit	Miscellaneous	Total
Number of Delinquent Trades	0	6	7	2	2	17
Number of Times 30-59 Days Late	0	8	9	0	0	17
Number of Times 60-89 Days Late	0	0	4	0	0	4
Number of Times 90+ Days Late	0	0	0	0	0	0

Other Information
Collections in the last 24 months	0	Inquiries in the last 3 months	1	Public Records in the last 24 months	1

Repository Files Returned
File ID TransUnion / TUC-A1 Pulled 04/21/2004 Infile Date 09/01/1991	Name Michael Abacommon Social Security Number 076-84-9627	Current Address 1 Compliant Dr 14 Fantasy Island, IL 60750	Current Employer Test, Test Former Employer Abc Co
File ID Experian / EXP-A1 Pulled 04/21/2004	Name Michael Abacommon Social Security Number 076-84-9627 Age / DOB 1963	Current Address 1 Compliant Dr Fantasy Island, IL 60750 Former Address 370 Austin Rd Second Former Address 4850 37th St Apt 2p	Current Employer Self, Former Employer Sprocket And Dubs, , 370 Austin Road, Tommorrow Il, 60750
File ID Equifax / EQX-A1 Pulled 04/21/2004	Name Michael Abacommon Social Security Number 076-84-9627 Age / DOB 04/28/1964	Current Address 1 Complaint Dr Fantasy Island, IL 60750 Former Address 4 Ulyhuvlgh Gu Dsw 4 North Tarrytown, NY 10591 Second Former Address 603 Dxvwlq Ug Mahopac, NY 10541	Current Employer Qef, Ylghr Hglwru

Credit Bureau Consumer Relations Centers
TransUnion P. O. Box 1000 Chester, PA 19022 800-888-4213	Experian P. O. Box 2002 Allen, TX 75013-0036 888-397-3742	Equifax P. O. Box 740241 Atlanta, GA 30374-0421 800-685-1111

Credit bureau certifies that this Merged Mortgage Credit Report (MMCR)meets the guidelines as set forth by Associated Credit Bureau (ACB). This report contains information supplied by the repositories listed on the report and may also contain duplicate information.

End of Report