TRANS UNION REPORT

Exact Match between SSN on input and SSN on file.

Personal Information Since 1/1/94 FAD 3/20/01
		Reported
Name SSN Address Phone	ICE, ROBERT R 301-42-3221 111, W, 8TH, ST, FANTASY ISLAND, IL, 60750 656-5656 Personal	4/1/98

Employment
		Date Hired	Date Separated	Verified/Reported
Employer	AUTO SALES			4/1/01 Reported
Employer	HOUSEHOLD	3/1/01		3/1/01 Reported

Add-On Products Summary
Product: Phone Append Status: Default product delivered Search: Area code and phone number not found on new source. Phone number on CRONUS database is returned. Product: HAWK Status: Requested product delivered Product: Score Model - EMPIRICA Status: Requested product delivered

HAWK
Messages Message: Input SSN associated with additional subject(s) not displayed/returned
Year of Issuance ID qualifier: SSN Message: Input - SSN issued: 1963-1964; state: OH; est. Age obtained: +63 to +65
ID qualifier: SSN Message: File - SSN issued: 1963-1964; state: OH; est. Age obtained: +00

Scoring

    Score Model: EMPIRICA   +599    ***ALERT***
    Factor: 040 Derogatory public record or collection filed
    Factor: 013 Time since delinquency is too recent or unknown
    Factor: 010 Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
    Factor: 018 Number of accounts with delinquency

+599

Credit Summary From 1/1/94 To 3/20/01
Public Records 3 Collections 0 Negative Trades 0 Hist Neg Trades 1 # Trades 7 Revolving 5 Hist Neg Occurr 2 Installment 2 Mortgage 0 Open Trades 0 Inquiries 2
Type High Limit Balance Past Due Payment %Avail
Revolving $26,000 $28,000 $20,100 $0 $0 28% Installment $15,000 $15,000 $3,000 $0 $0 - Totals $41,000 $43,000 $23,100 $0 $0 -

Public Records
Reported/ Amount	ECOA/ Subscriber	Assets	Type/ Plaintiff/Attorney	Docket/ Paid	Court/ City, State
09/99 10K	I Z 05027019		Federal tax lien	12345
10/99 5000	I Z 05074137		Federal tax lien	456789
12/99 800	I Z 05074137		Civil judgement	202122

Revolving Accounts
				Current Status			Hist Status
Acc Name/Address	Rptd/ ECOA	Opened/ Clsd/PD	High/ Limit	Pmt/ Term	Bal	Past Due	Mths 30 60 90	Rating
SEARS 1234567 Subscriber code: D 06256134	03/01V I	06/90	8000 8000		7000		15 111111111111 111	R01
CHOICE 772 Subscriber code: B 01679002	03/01V I	09/90	5000 5000		4000		25	R01
WARDS MWCC 128776 Subscriber code: D 0156N121	03/01V I	06/90	0		0		20 111111111111 11111111	R01
DISCOVER FIN 21 Subscriber code: B 09616003	03/01V I	06/90	13K 13K		9000		11 11111111111	R01
Revolving Totals				$0	$20,000

Overdraft/Reserve Accounts
				Current Status			Hist Status
Acc Name/Address	Rptd/ ECOA	Opened/ Clsd/PD	High/ Limit	Pmt/ Term	Bal	Past Due	Mths 30 60 90	Rating
TRADE 21 1234567 Subscriber code: B 01JPA021 Collateral: CREDIT LINE	03/01V I	11/96	0 2000		100			C01
Overdraft/Reserve Totals				$0	$100

Installment Accounts
				Current Status			Hist Status
Acc Name/Address	Rptd/ ECOA	Opened/ Clsd/PD	High/ Limit	Pmt/ Term	Bal	Past Due	Mths 30 60 90	Rating
REPUBLIC BAN 2187776 Subscriber code: B 07220001	03/01V I	09/90	5000 5000		3000		05 02 00 00 11122	I01
SIMMONS FNB 271776 Subscriber code: B 01067003	03/01V I	09/74	10K 10K		0		25	IUR
Installment Totals				$0	$3,000

Inquiries
Date	Name/Address	Code	MKT	Type Inq/Loan	Amount
03/20/01	HART SFTWRE	ZTR00001010	CHI	I
01/19/01	HOUSEHOLD	YCI01992043	NTL	I

Serviced By:
TRANS UNION LLC
2 BALDWIN PLACE, P.O. BOX 1000
CHESTER, PA 19022
800-888-4213

END OF REPORT - TRANS UNION - 3/20/01, 11:41:38 CT