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TRW keeps tabs on the financial standing of businesses, both big and small.
Just about everyone from AT&T to Billy-Bud's Bait Shop is referenced in their
files. Just exactly what kind of information do they have? What kind of data
do they give to creditors. Exactly what kind of things could reflect
negatively on your credit standing? Following is a sample of a typical TRW
business report and a sample small business advisory report. These will show
the type of information that TRW hands out to creditors and how they interpret
said information.
TRW SAMPLE REPORT
~~~~~~~~~~~~~~~~~
PAGE RPT DATE TIME PORT TYPE
1 03-02-90 08:40:13 BC99 PROFILE 219
- --------------------------------------------------------------------------------
SAMPLE COMPANY TRW FILE NUMBER: 000000001
1000 MAIN STREET TRW FILE ESTABLISHED: PRIOR JAN 1977
ANYTOWN USA 11111 SIC NO: 0000
PHONE: 714-555-1212 BUS: SELLING GOODS TO AMERICA
- --------------------------------------------------------------------------------
EXECUTIVE SUMMARY
-----------------
DAYS BEYOND TERMS (DBT) FOR SAMPLE COMPANY
AS OF 03-02-90 : DBT IS THE AVERAGE NUMBER OF DAYS LATE A FIRM TAKES
PREDICTION : TO PAY ITS BILLS. THE DBT IS WEIGHTED BY THE DOLLAR
AMOUNT OF EACH ACCOUNT. THE PREDICTION IS A FORECAST
DBT NORMS OF THE DBT FOR 60 DAYS INTO THE FUTURE. IT IS BASED
SAMPLE CO INDUSTRY : ON THE TREND IN DBT, THE TYPE OF INDUSTRY OF THE
ALL INDUSTRIES : FIRM, ANY DEROGATORY PUBLIC RECORD INFORMATION,
COLLECTION ACCOUNTS, # OF INQUIRIES, YEARS IN
BUSINESS/FILE, ETC. THE INDUSTRY INFORMATION IS
PROVIDED TO EVALUATE HOW THIS FIRM PAYS TODAY
RELATIVE TO FIRMS IN THE SAME INDUSTRY (AT THE 2
DIGIT SIC LEVEL).
CONTINUOUS AND NEWLY REPORTED TRADELINES ARE USED FOR
THE DBT VALUES. A SUMMARY WILL ONLY BE PROVIDED WHEN
THERE IS SUFFICIENT DATA.
HISTORICAL PAYMENT GUIDE
6 MONTH ACCOUNT BALANCE RANGE : THIS LINE INDICATES THE TOTAL AMOUNT OWED
BY THE FIRM FOR THE PAST 6 MONTHS AND THE CURRENT
TOTAL.
HIGHEST CREDIT AMOUNT EXTENDED: THIS LINE INDICATES THE LARGEST INDIVIDUAL
AMOUNT OF CREDIT EXTENDED TO THE FIRM IN THE PAST 12
MONTHS AND THE MEDIAN AMOUNT (IE THAT VALUE IN WHICH
50% OF THE ACCOUNTS ARE GREATER AND 50% ARE LOWER).
THE PURPOSE IS TO COMPARE THE CURRENT CREDIT REQUEST
TO THESE AMOUNTS TO DETERMINE THE CREDIT GRANTOR'S
RELATIVE RISK.
INDUSTRY PAYMENT COMPARISON : THIS LINE REPRESENTS THE CONCLUSION FROM A
COMPARISON OF THE 6 MONTH HISTORICAL DBT OF THE FIRM
TO ITS INDUSTRY. THREE POSSIBLE CONCLUSIONS CAN BE
MADE: A FIRM PAYS "THE SAME", "LATER THAN", OR
"SOONER THAN" RELATED BUSINESSES. TO CONCLUDE A FIRM
PAYS LATER OR SOONER, 4 OUT OF 6 MONTHS MUST DEVIATE
FROM AT LEAST 50% OF THE FIRMS IN THE INDUSTRY.
PAYMENT TREND INDICATION : THIS LINE PROVIDES THE CONCLUSION FROM AN
ANALYSIS OF HOW THE PAYMENT BEHAVIOR OF THE FIRM IS
PAGE RPT DATE TIME PORT TYPE
2 03-02-90 08:40:13 BC99 PROFILE 219
- -------------------------------------------------------------------------------
SAMPLE COMPANY TRW FILE NUMBER: 000000001
- -------------------------------------------------------------------------------
PAYMENT TREND INDICATION (CONTINUED)
CHANGING IN THE PAST 6 MONTHS. FOR A TREND TO OCCUR, AT LEAST THE
MOST RECENT TWO MONTHS OF DBT MUST DEVIATE FROM 70% OF THE NORMAL
HISTORICAL RANGE OF DBT'S.
FOUR POSSIBLE CONCLUSIONS CAN BE MADE: THE FIRM IS "IMPROVING
TOWARD TERM REQUIREMENTS ","INCREASINGLY LATE", "STABLE" OR
OR "NO TREND IDENTIFIABLE".
SIGNIFICANT PUBLIC RECORD DATA
THIS SECTION SUMMARIZES REPORTED PUBLIC RECORD OR OTHER DEROGATORY
INFORMATION IN THE FOLLOWING WAYS:
1) BANKRUPTCY FILINGS WITHIN THE PAST 10 YEARS.
2) OPEN TAX LIENS/JUDGEMENTS REGARDLESS OF THE AMOUNT OF THE LIEN,
OR ANY FILING RELEASED WITHIN THE PAST 5 YEARS.
3) A SUMMARY OF THE NUMBER OF UCC FILINGS WITH ONE OR MORE OF THE
FOLLOWING PLEDGED COLLATERAL:
-ACCOUNTS
-ACCOUNTS RECEIVABLE
-INVENTORY
-CONTRACTS
-HEREAFTER ACQUIRED PROPERTY
-PROCEEDS
-LEASES
-NOTES RECEIVALBE
4) REPORTED COLLECTION ACCOUNTS.
5) FRAUDULENT TELECOMMUNICATIONS ACCOUNTS THAT ARE REPORTED AS
SERVICE DISCONNECTS, WRITE-OFFS, SKIPS, ETC.
IF NO PUBLIC RECORD DATA IS REPORTED, THEN IT WILL BE STATED.
RELEVANT DATES AND AMOUNTS WILL BE INCLUDED.
TRADE PAYMENT INFORMATION
-------------------------
TRADE PAYMENT EXPERIENCES
(TRADE LINES WITH AN "*" AFTER DATE REPORTED ARE NEWLY REPORTED)
RECENT ------ ACCOUNT STATUS ------
HIGH -DAYS PAST DUE-
BUSINESS DATE LAST PAYMENT CREDIT BALANCE 1- 31- 61-
CATEGORY REP'D SALE TERMS $ $ CUR 30 60 90 91+ COMMENTS
---------- ----- ----- ------- -------- -------- --- --- --- --- --- ----------
THIS SECTION PROVIDES THE DETAILED ACCOUNT RECEIVABLE INFORMATION FOR THE FIRM
INQUIRED UPON. ONLY THOSE ACCOUNTS THAT ARE CONTINUOUSLY REPORTED OR NEWLY
PAGE RPT DATE TIME PORT TYPE
3 03-02-90 08:40:13 BC99 PROFILE 219
- -------------------------------------------------------------------------------
SAMPLE COMPANY TRW FILE NUMBER: 000000001
- -------------------------------------------------------------------------------
TRADE PAYMENT EXPERIENCES (CONTINUED)
REPORTED WILL BE INCLUDED IN THIS SECTION. THEREFORE, THE CREDIT GRANTOR IS
EVALUATING ONLY THE MOST CURRENT TRADE INFORMATION. A CONTINUOUSLY REPORTED
TRADE LINE MUST BE IN THE TRW FILE FOR AT LEAST SIX MONTHS AND UPDATED AT LEAST
ONCE IN THE PAST THREE MONTHS. A NEWLY REPORTED TRADE LINE HAS BEEN ADDED TO
THE FILE WITHIN THE LAST 3 MONTHS. EACH TRADELINE REPRESENTS A UNIQUE CREDIT
EXPERIENCE.
------------------------------ -------- -------- --- --- --- --- --- ----------
TRADE LINE TOTALS: DBT: (THE
SAME AS REPORTED
IN THE SUMMARY)
ADDITIONAL PAYMENT EXPERIENCES
(INCLUDES NON-TRADE ACCOUNTS PLUS PREVIOUSLY REPORTED TRADE LINES)
THIS SECTION WILL CONTAIN THOSE ACCOUNTS THAT REPRESENT PAYMENT INFORMATION,
BUT DO NOT BEHAVE THE SAME AS A TRADE CREDIT ACCOUNT (IE THE ACCOUNT TYPE AND
THE REPORTED DATA BEHAVES DIFFERENTLY THAN A TRADE ACCOUNT). FOR EXAMPLE, A
LOAN WILL REFLECT THE TOTAL VALUE OF THE LOAN IN THE BALANCE INFORMATION AND
THE AGING DATA REFLECTS THE CURRENCY OF THE MONTHLY PAYMENT ONLY. THIS SECTION
INCLUDES TRADELINES NOT UPDATED BY CONTRIBUTORS WITHIN THE PAST 6 MONTHS. THE
DATA, HOWEVER, CAN BE USED TO IDENTIFY ANY SIGNIFICANT DEROGATORY ACCOUNTS IN
THE PAST.
PAYMENT TOTALS
RECENT ------ ACCOUNT STATUS ------
HIGH -DAYS PAST DUE-
CREDIT BALANCE 1- 31- 61-
$ $ CUR 30 60 90 91+ COMMENTS
-------- -------- --- --- --- --- --- ----------
CONTINUOUSLY REPORTED LINES: THIS SECTION PROVIDES A SUMMARY OF THE TOTALS
NEWLY REPORTED LINES: FOR THE TWO TRADELINE TYPES. IT CAN BE USED TO
EVALUATE HOW MUCH THE NEW INFORMATION MAY EFFECT
CONCLUSIONS FOR PAST PAYMENT BEHAVIOR.
------------------------------ -------- -------- --- --- --- --- --- ----------
TRADE LINE TOTALS: DBT:
PAGE RPT DATE TIME PORT TYPE
4 03-02-90 08:40:13 BC99 PROFILE 219
- -------------------------------------------------------------------------------
SAMPLE COMPANY TRW FILE NUMBER: 000000001
- -------------------------------------------------------------------------------
PAYMENT TRENDS
(BASED ON CONTINUOUSLY REPORTED TRADE LINES ONLY)
-DAYS PAST DUE-
BALANCE 1- 31- 61-
DBT $ CUR 30 60 90 91+
--- -------- --- --- --- --- ---
AS OF 03-02-90 THIS SECTION EXAMINES THE NEAR TERM CHANGES IN PAY-
12-01-88 MENT TRENDS. IT USES ONLY CONTINUOUSLY REPORTED
11-01-88 TRADELINES IN ORDER TO PROVIDE AN INDICATION OF
10-01-88 WHETHER OR NOT AN IMMEDIATE CHANGE IN PAYMENT
09-01-88 BEHAVIOR IS OCCURING. THE CONCLUSION FROM THE DATA
08-01-88 IS PRESENTED IN THE SUMMARY. A NEAR TERM CHANGE IN
07-01-88 BEHAVIOR CAN BE DUE TO THE WILLINGNESS OR ABILITY
OF THE DEBTOR TO PAY ITS OBLIGATIONS.
PAYMENT HISTORY--QUARTERLY AVERAGES
(BASED ON CONTINUOUSLY AND NEWLY REPORTED TRADE LINES)
-DAYS PAST DUE-
BALANCE 1- 31- 61-
DBT $ CUR 30 60 90 91+
--- -------- --- --- --- --- ---
4TH-Q-89 (OCT-DEC): THIS SECTION PRESENTS A ONE AND A QUARTER YEAR ANAL-
3RD-Q-89 (JUL-SEP): YSIS OF THE PAYMENT TRENDS. THE LONG TERM CHANGES IN
2ND-Q-89 (APR-JUN): DBT REFLECT THE ABILITY OF THE COMPANY TO GENERATE
1ST-Q-89 (JAN-MAR): SUSTAINED CASH FLOW OVER TIME. IF THE DBT IS
4TH-Q-88 (OCT-DEC): BECOMING SIGNIFICANTLY LARGER, IT IS LIKELY THAT THE
COMPANY IS LESS ABLE TO PAY.
PUBLIC RECORD INFORMATION
-------------------------
THIS SECTION REFLECTS THE DETAIL OF BANKRUPTCY, TAX LIENS (FEDERAL, STATE,
AND COUNTY), JUDGEMENTS, AND UCC FILINGS FOR A PARTICULAR ENTITY. IT INCLUDES
THE DATE OF FILINGS, AMOUNTS, LOCATIONS, ETC.
COMMERCIAL BANKING RELATIONSHIPS
--------------------------------
THIS SECTION IDENTIFIES THE NAME, ADDRESS, PHONE NUMBER, AND ACCOUNT NUMBER
OF THE PRIMARY BANK UTILIZED BY THE BUSINESS.
PAGE RPT DATE TIME PORT TYPE
5 03-02-90 08:40:13 BC99 PROFILE 219
- -------------------------------------------------------------------------------
SAMPLE COMPANY TRW FILE NUMBER: 000000001
- -------------------------------------------------------------------------------
KEY FACTS INFORMATION
---------------------
THIS SECTION TYPICALLY INCLUDES THE TYPE OF PRODUCTS/SERVICES OFFERED BY THE
BUSINESSES, THE NUMBER OF YEARS IN BUSINESS, THE BUSINESS OWNERSHIP AND
PRINCIPAL OFFICERS, ETC.
INQUIRIES
----------
BUSINESS 1990 1989
CATEGORY JAN DEC NOV OCT SEP AUG JUL JUN MAY
---------- --- --- --- --- --- --- --- --- ---
THE INQUIRIES WILL BE SUMMARIZED BY THE BUSINESS CATEGORY AND
IDENTIFY THE NUMBER OF INQUIRIES EACH MONTH. THIS ALLOWS THE CREDIT
MANAGER TO QUICKLY DETERMINE WHERE AND WHEN THE MOST FREQUENT CREDIT
ACTIVITY ON THE PART OF THE DEBTOR HAS BEEN OCCURING.
FEDERAL GOVERNMENT INFORMATION
-----------------------------
THIS SECTION CONTINUES TO REFLECT THE FINANCIAL AND CONTRACT DATA PROVIDED BY
GOVERNMENT AGENCIES (EG THE SMALL BUSINESS ADMINISTRATION).
STANDARD & POORS INFORMATION
----------------------------
PROVIDES FINANCIAL INFORMATION ON PUBLICLY HELD COMPANIES AS COMPILED BY
STANDARD AND POORS. THE INFORMATION INCLUDES:
1) THE MOST RECENT THREE YEARS OF PROFIT/LOSS STATEMENTS AND BALANCE SHEETS.
2) CRITICAL RATIOS OF PERFORMANCE RELATIVE TO INDUSRTY AVERAGES.
3) SUMMARY BUSINESS DESCRIPTION AND RECENT DEVELOPMENTS.
THE INFORMATION HEREIN IS FURNISHED IN CONFIDENCE FOR YOUR EXCLUSIVE USE
FOR LEGIMATE BUSINESS PURPOSES AND SHALL NOT BE REPRODUCED. NEITHER
TRW INC, NOR ITS SOURCES OR DISTRIBUTORS WARRENT SUCH INFORMATION NOR
SHALL THEY BE LIABLE FOR YOUR USE OR RELIANCE UPON IT.
COPYRIGHT (C) 1989 TRW INC.
**END REPORT**
TRW SMALL BUSINESS ADVISORY SAMPLE REPORT
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
PAGE RPT DATE TIME PORT TYPE
1 03-02-90 08:40:13 BC99 SBAR 219
- --------------------------------------------------------------------------------
PRINCIPAL NAME/ADDRESS BUSINESS NAME/ADDRESS EMPLOYER NAME/ADDRESS
- --------------------------------------------------------------------------------
JOHN Q PROPRIETOR PROPRIETOR CO AJAX HARDWARE
10655 BIRCH ST 604 BAKER ST 2035 BROADWAY
BURBANK CA 91501 STUDIO CITY CA 90485 LOS ANGELES CA 90019
LAST UPDATE 12-89 AS ACCESSED 03-90 LAST UPDATE 06-88
- --------------------------------------------------------------------------------
RISK PROFILE
------------
CHANCE OF ACCOUNT ENTERING SERIOUSLY DEROGATORY STATUS WITHIN 1 YEAR: 3%
THE PERCENTAGE ABOVE IS CALCULATED BY THE NATIONAL RISK MODEL, WHICH USES A
POINT-SCORING SYSTEM THAT ADDS OR SUBTRACTS POINTS BASED ON A PROPRIETOR'S
CREDIT BEHAVIOR. THE MODEL ONLY EXAMINES INFORMATION THAT APPEARS ON A
PROPRIETOR'S SBAR REPORT, AND DOES NOT TAKE INTO ACCOUNT OTHER DATA, SUCH AS
THE PROPRIETOR'S INCOME OR NET WORTH.
THE PERCENTAGE, REFERRED TO AS A PROBABILITY PERCENTAGE, INDICATES THE
LIKELIHOOD OF A PROPRIETOR BECOMING DEROGATORY IN HIS PAYMENT HABITS.
DEROGATORY CREDIT BEHAVIOR CAN BE DEFINED AS MAINTAINING ACCOUNTS THAT HAVE
DEVELOPED INTO COLLECTION ACCOUNTS, REPOSSESSIONS, CHARGE-OFFS OR BANKRUPTCIES.
THE PERCENTAGES RANGE FROM 0% TO 100%. AS INDICATED ON THE SBAR, APPROXIMATELY
85% OF ALL PROPRIETORS HAVE A 0%-15% CHANCE OF BECOMING SERIOUSLY DEROGATORY
WITHIN 1 YEAR; 12% HAVE A 16%-49% CHANCE; AND 3% HAVE A 50%-100% CHANCE.
IN GENERAL, PROPRIETORS WITH A PROBABILITY PERCENTAGE OF 0%-15% ARE A GOOD
RISK; THOSE WITH A PERCENTAGE OF 16%-49% ARE A MEDIUM RISK; AND PERCENTAGES OF
50%-100% INDICATE A POOR RISK.
YOU MAY WANT TO IDENTIFY SEVERAL RANGES OF PERCENTAGES THAT YOU CONSIDER TO BE
GOOD, MEDIUM, AND POOR RISKS, BASED ON HOW MUCH RISK YOU ARE WILLING TO TAKE
IN EXTENDING CREDIT.
PAGE RPT DATE TIME PORT TYPE
2 03-02-90 08:40:13 BC99 SBAR 219
- --------------------------------------------------------------------------------
PRINCIPAL NAME/ADDRESS BUSINESS NAME/ADDRESS EMPLOYER NAME/ADDRESS
- --------------------------------------------------------------------------------
JOHN Q PROPRIETOR PROPRIETOR CO AJAX HARDWARE
10655 BIRCH ST 604 BAKER ST 2035 BROADWAY
BURBANK CA 91501 STUDIO CITY CA 90485 LOS ANGELES CA 90019
LAST UPDATE 12-89 AS ACCESSED 03-90 LAST UPDATE 06-88
- --------------------------------------------------------------------------------
STATUS CHARACTERISTICS
STATUS CHARACTERISTICS DEFINE THE SPECIFIC CONDITIONS WHICH CONTRIBUTE TO A
PROPRIETOR'S PROBABILITY PERCENTAGE. ONE TO FOUR CHARACTERISTICS ARE DISPLAYED
ON THE SBAR IN ORDER OF IMPORTANCE, AND GIVE YOU ADDITIONAL INSIGHT INTO A
PROPRIETOR'S PERSONAL CREDIT HISTORY.
FOR PROBABILITY PERCENTAGES OF 16%-100%, THE STATUS CHARACTERISTICS ARE A
SIGNIFICANT INDICATOR OF WHY THE PERCENTAGE IS HIGH. FOR PERCENTAGES OF 0%-15%,
THE CHARACTERISTICS ARE NOT A SIGNIFICANT INDICATOR, AND SHOULD NOT CARRY MUCH
WEIGHT IN YOUR CREDIT-GRANTING DECISION.
TO HELP YOU BETTER UNDERSTAND AND INTERPRET THE MEANING OF THE STATUS CHAR-
ACTERISTICS, A "GLOSSARY OF STATUS CHARACTERISTICS" IS INCLUDED IN THE SBAR
BROCHURE AVAILABLE FROM YOUR ACCOUNT EXECUTIVE.
ACCOUNT PROFILES
----------------
PROPRIETORS' ACCOUNTS ARE DIVIDED INTO 3 CATEGORIES: NEGATIVE, POSITIVE, AND
NEUTRAL. EACH TRADE LINE IN THE ACCOUNT PROFILE CONTAINS THE BUSINESS CATEGORY
OF THE COMPANY THAT CONTRIBUTED THE INFORMATION; THE DATE THE INFORMATION WAS
REPORTED; AND THE STATUS OF THE ACCOUNT.
THE TRADE LINE MAY ALSO INCLUDE: THE DATE THE ACCOUNT WAS OPENED; TYPE AND
TERMS OF LOAN; ORIGINAL LOAN AMOUNT; CREDIT LIMIT; HISTORICAL HIGH BALANCE;
BALANCE DUE; SCHEDULED MONTHLY PAYMENT; AMOUNT PAST DUE; DATE LAST PAYMENT WAS
MADE; TRANSACTION RELATIONSHIP; COMMENTS.
ACCOUNT PROFILES PROVIDE YOU WITH DETAILED INFORMATION ABOUT A PROPRIETOR'S
PERSONAL CREDIT PORTFOLIO.
PAGE RPT DATE TIME PORT TYPE
3 03-02-90 08:40:13 BC99 SBAR 219
- --------------------------------------------------------------------------------
PRINCIPAL NAME/ADDRESS BUSINESS NAME/ADDRESS EMPLOYER NAME/ADDRESS
- --------------------------------------------------------------------------------
JOHN Q PROPRIETOR PROPRIETOR CO AJAX HARDWARE
10655 BIRCH ST 604 BAKER ST 2035 BROADWAY
BURBANK CA 91501 STUDIO CITY CA 90485 LOS ANGELES CA 90019
LAST UPDATE 12-89 AS ACCESSED 03-90 LAST UPDATE 06-88
- --------------------------------------------------------------------------------
NEGATIVE ACCOUNT PROFILE
------------------------
THIS SECTION PROVIDES YOU WITH ALL OF THE NEGATIVE TRADE LINES THAT APPEAR ON
THE PROPRIETOR'S REPORT. THESE INCLUDE TRADE LINES THAT HAVE STATUSES SUCH AS
DELINQUENT, REPOSSESSED, WRITE-OFF, CHARGED TO LOSS, BANKRUPT, ETC.
POSITIVE ACCOUNT PROFILE
------------------------
THIS SECTION PROVIDES YOU WITH ALL OF THE POSITIVE TRADE LINES THAT APPEAR ON
THE PROPRIETOR'S REPORT. IN GENERAL, THESE TRADE LINES ARE EITHER CURRENT
ACCOUNTS THAT ARE BEING PAID ACCORDING TO TERMS, OR ACCOUNTS THAT HAVE BEEN
CLOSED AND WERE PAID IN SATISFACTORY TERMS.
NEUTRAL ACCOUNT PROFILE
-----------------------
THIS SECTION PROVIDES YOU WITH ALL OF THE NEUTRAL TRADE LINES THAT APPEAR ON
THE PROPRIETOR'S REPORT. THESE TRADE LINES INCLUDE ONES HAVE BEEN DELINQUENT
AT ONE TIME, BUT ARE NOW CURRENT.
PUBLIC RECORD PROFILE
---------------------
THE PUBLIC RECORD PROFILE ENABLES YOU TO LEARN ABOUT WHAT TYPES OF LEGAL
ACTIONS HAVE BEEN FILED AGAINST THE PROPRIETOR, SUCH AS BANKRUPTCIES, FEDERAL
STATE, AND COUNTY TAX LIENS, JUDGEMENTS, AND SUITS.
PAGE RPT DATE TIME PORT TYPE
4 03-02-90 08:40:13 BC99 SBAR 219
- --------------------------------------------------------------------------------
PRINCIPAL NAME/ADDRESS BUSINESS NAME/ADDRESS EMPLOYER NAME/ADDRESS
- --------------------------------------------------------------------------------
JOHN Q PROPRIETOR PROPRIETOR CO AJAX HARDWARE
10655 BIRCH ST 604 BAKER ST 2035 BROADWAY
BURBANK CA 91501 STUDIO CITY CA 90485 LOS ANGELES CA 90019
LAST UPDATE 12-89 AS ACCESSED 03-90 LAST UPDATE 06-88
- --------------------------------------------------------------------------------
PUBLIC RECORD PROFILE (CONTINUED)
---------------------------------
EACH PUBLIC DATA ENTRY INCLUDES THE TYPE OF LEGAL ACTION FILED, DATE FILED,
COURT NAME, COURT CODE, DOCKET NUMBER, AMOUNT, AND JUDGEMENT CREDITOR.
INQUIRIES
---------
THE INQUIRY SECTION INCLUDES INFORMATION ABOUT INQUIRIES MADE ON THE PROPRIETOR
IN THE PAST 24 MONTHS. THIS TELLS YOU HOW OFTEN THE PROPRIETOR HAS REQUESTED
CREDIT IN THE PAST YEAR, AND THE TYPES AND NUMBER OF COMPANIES THAT HAVE
REQUESTED CREDIT INFORMATION ON HIM.
INQUIRIES INCLUDE THE BUSINESS CATEGORY OF THE COMPANY MAKING THE INQUIRY AND
THE DATE OF THE INQUIRY, AND MAY INCLUDE THE TYPE, TERMS, AND AMOUNT OF THE
LOAN OR CREDIT LINE.
FILE VARIATION REFERENCES
-------------------------
FILE VARIATIONS CAN BE DEFINED AS INFORMATION ABOUT THE PROPRIETOR CONTAINED
IN TRW'S FILE UNDER A DIFFERENT NAME, ADDRESS, OR SOCIAL SECURITY NUMBER
THAN WHAT YOU ENTERED DURING THE INQUIRY PROCESS.
USUALLY, NAME VARIATIONS ARE EITHER MISPELLINGS OR MAIDEN NAMES; ADDRESS
VARIATIONS ARE DEVIATIONS SUCH AS "STREET" INSTEAD OF "DRIVE", OR THE
PROPRIETOR'S PREVIOUS ADDRESS; AND SOCIAL SECURITY NUMBER VARIATIONS ARE
ONE OR TWO DIGIT TYPO MISTAKES.
IN A SMALL NUMBER OF CASES, HOWEVER, THE INFORMATION IN THE FILE VARIATION
SECTION MAY SIGNIFICANTLY CONFLICT WITH WHAT THE PROPRIETOR HAS GIVEN YOU,
AND YOU MAY FIND THAT A MORE THOROUGH REVIEW OF THE PROPRIETOR IS NECESSARY.
PAGE RPT DATE TIME PORT TYPE
5 03-02-90 08:40:13 BC99 SBAR 219
- --------------------------------------------------------------------------------
PRINCIPAL NAME/ADDRESS BUSINESS NAME/ADDRESS EMPLOYER NAME/ADDRESS
- --------------------------------------------------------------------------------
JOHN Q PROPRIETOR PROPRIETOR CO AJAX HARDWARE
10655 BIRCH ST 604 BAKER ST 2035 BROADWAY
BURBANK CA 91501 STUDIO CITY CA 90485 LOS ANGELES CA 90019
LAST UPDATE 12-89 AS ACCESSED 03-90 LAST UPDATE 06-88
- --------------------------------------------------------------------------------
FILE VARIATION REFERENCES (CONTINUED)
-------------------------------------
YOU CAN SEE WHICH TRADE LINES, PUBLIC RECORD DATA, AND INQUIRIES ARE
ASSOCIATED WITH SPECIFIC FILE VARIATIONS IN TRW'S FILE BY MATCHING THE FILE
VARIATION REFERENCES IN THE BODY OF THE REPORT TO THE ONES CONTAINED IN THE
FILE VARIATION REFERENCE SECTION.
CONSUMER STATEMENT
------------------
CONSUMERS MAY ADD EXPLANATIONS TO THEIR CREDIT REPORTS IN ACCORDANCE WITH THE
FAIR CREDIT REPORTING ACT AND STATE REPORTING LAWS. THESE STATEMENTS APPEAR AT
THE END OF THE REPORT.
THE INFORMATION CONTAINED IN THIS SMALL BUSINESS ADVISORY REPORT IS
FURNISHED IN CONFIDENCE AND MUST BE USED EXCLUSIVELY FOR LEGITIMATE
COMMERCIAL CREDIT PURPOSES. THE INFORMATION SHALL NOT BE REPRODUCED.
NEITHER TRW INC., NOR ITS SOURCES OR DISTRIBUTORS WARRANT SUCH
INFORMATION NOR SHALL THEY BE LIABLE FOR YOUR USE OR RELIANCE UPON IT.
COPYRIGHT (C) 1990 TRW INC.
**END SMALL BUSINESS ADVISORY REPORT**
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