The following "Merged credit report" for myself is obsolete a bit:

1. I live in San Leandro now,
2. My Employer is QSpace, Inc.
3. I've got "0" balance on all my credit accounts,

- Credit Bureaus get infornation with some delay...

... but the following report was produced with the program I made in QSpace :


YURIY V STUPAK
Obtained on: Sep 10, 1999
Your Personal Information
  1. Experian 2. Equifax 3. Trans Union
Current Address: 1324 ADDISON ST APT 4/BERKELEY CA 947021730 1324 ADDISON ST #4/BERKELEY CA 94702 1324 ADDISON ST 4/BERKELEY CA 94702
Previous Address: 3675 MT DIABLO BLVD STE 200/LAFAYETTE CA 945493793 3675 MT DIABLO BV SUITE/LAFAYETTE CA 94549 3675 MT DIABLO BV 200/LAFAYETTE CA 94549
Prior 2 Address: 380000 CAMDEN ST 83/FREMONT CA 94536 380000 CAMDEN ST 8/FREMONT CA 94536 380000 CAMDEN ST 8/FREMONT CA 94536
Date of Birth: 1954   Dec 1954
Current Employer: GROUP IPEX    
PreviousEmployer: METABYTE INC    


Your Account Summary
  1. Experian 2. Equifax (*) 3. Trans Union
Balances

Balance on all accounts

 (*) $1496 (*) $1496 $0

Total Monthly Payment

 $55 (*) $55 $0
Revolving Summary $1496 (*) $1496 $0
Revolving Available 062 % N/A   %
Installment Summary $0 (*) $0 $0
Mortgage Summary N/A (*) $0 $0
Mortgage Monthly N/A (*) $0 $0
Entire Accounts Summary
Total Accounts 6 (*) 5 4
Past Due Amount $0 (*) $0 $0
Oldest Account Opened Nov 1997 (*) Nov 1997 (*) Nov 1997
Delinquencies Reported
30 Day Delinquencies 0 (*) 0 (*) 0
60 Day Delinquencies 0 (*) 0 (*) 0
90 Day Delinquencies 0 (*) 0 (*) 0
Due Accounts (*) 0 (*) 0 (*) 0
Paid Accounts 4 (*) 4 (*) 4
Satisfactory 6 (*) 5 (*) 4
Now Delinquent 0 (*) 0 0
Was Delinquent 0 (*) 0 0
Inquiries and Public Records
Inquiries (6 months) 4 (*) 2 (*) 5
Total Inquiries 13 (*) 5 7
Public Records 0 (*) 0 0


Your Public Records
You Don't have Public Records


Inquiries To Your Credit
  Bureau Institution Phone Address Date
1 Trans Union Q SPACE INC     Sep 20, 1999
2 Trans Union Q SPACE INC     Sep 20, 1999
3 Trans Union Q SPACE INC     Sep 20, 1999
4 Trans Union Q SPACE INC     Sep 13, 1999
5 Equifax RES DATA     Jul 22, 1999
6 Experian PATELCO CREDIT UNION 4154426200 156 2ND S/SAN FRANCISCO CA 94105 Jul 21, 1999
7 Equifax WELLSFARGO     Jul 03, 1999
8 Experian PACIFIC BELL WIRELESS 9252273000 4420 ROSEWOOD DR FL 1/PLEASANTON CA 94588 Jun 18, 1999
9 Trans Union Q SPACE INC     Apr 26, 1999
10 Experian PATELCO CREDIT UNION 4154426200 156 2ND S/SAN FRANCISCO CA 94105 Apr 08, 1999
11 Experian TECHNOLOGY CREDIT UNIO 4084519111 2010 N 1ST ST STE 200/SAN JOSE CA 95131 Mar 31, 1999
12 Experian PATELCO CREDIT UNION 4154426200 156 2ND S/SAN FRANCISCO CA 94105 Jan 27, 1999
13 Experian WELLS FARGO BANK 8006424720 P O BOX 29476/PHOENIX AZ 85038 Jan 19, 1999
14 Trans Union 1ST PREMIER     Aug 24, 1998
15 Experian FIRST USA BANK 8006226528 201 N WALNUT ST/6TH F/WILMINGTON DE 19801 Jun 08, 1998
16 Experian PATELCO CREDIT UNION 4154426200 156 2ND S/SAN FRANCISCO CA 94105 May 26, 1998
17 Experian NAT TENANT NETWORK 9252841204 PO BOX 1145/LAFAYETTE CA 94549 Jan 13, 1998
18 Experian NCNB NATL BANK OF TX 2815373200 140 CYPRESS STN DR/S-208/HOUSTON TX 77090 Nov 25, 1997
19 Experian PATELCO CREDIT UNION 4154426200 156 2ND S/SAN FRANCISCO CA 94105 Nov 25, 1997
20 Equifax BANKAMERIC     Nov 25, 1997
21 Equifax BOA     Nov 25, 1997
22 Experian HAYWARD TOYOTA BYMAILONLY 24773 MISSION BLVD/HAYWARD CA 94544 Nov 24, 1997
23 Equifax HAYW TOY     Nov 24, 1997
24 Experian PATELCO CREDIT UNION 4154426200 156 2ND S/SAN FRANCISCO CA 94105 Nov 10, 1997
25 Trans Union WELLS CCD     Oct 29, 1997

Credit Accounts History

1
  Institution: PATELCO CREDIT UNION   Account # ****1101
  Address: 156 2ND S/SAN FRANCISCO CA 94105   Phone: 4154426200
  Experian Equifax Trans Union
 Opened/ClosedDate: Nov 1997 / Jan 1999 Nov 1997 / Dec 1998 Nov 1997 / Jan 1999
 Balance/StatusDate: Jan 1999 / Jan 1999 Dec 1998 / Jan 1999 Jan 1999 / Jan 1999
 LastPay/ProfileDate:   / Jan 1999   / Jan 1999   / Jan 1999
 Credit Limit: $14705 $14705 $0
 High Credit: $0 $14705 $14705
 Balance: $0 $0 $0
 Past Due: $0 $0 $0
 Monthly Pay: $0 $341 $341
 30/60/90/Der/Rev: 0 / 0 / 0 / 0 / 15 0 / 0 / 0 / 0 / 13 0 / 0 / 0 / 0 / 15
 Status: 60 : IC (*) 43 : IC 60 : IC
 PaymentHistory:
     1997
--- --- --- -CC
     1998
CCC CCC CCC CCC
     1999
B              
     1997
--- --- --- ---
     1998
--- --- --- ---
     1999
-              
     1997
--- --- --- -11
     1998
111 111 111 111
     1999
X              
2
  Institution: PATELCO CREDIT UNION   Account # ****1130
  Address: 156 2ND S/SAN FRANCISCO CA 94105   Phone: 4154426200
  Experian Equifax Trans Union
 Opened/ClosedDate: Dec 1997 / Apr 1999 Dec 1997 / Mar 1999 Dec 1997 / Apr 1999
 Balance/StatusDate: Apr 1999 / Apr 1999 Mar 1999 / Apr 1999 Apr 1999 / Apr 1999
 LastPay/ProfileDate:   / Apr 1999   / Apr 1999   / Apr 1999
 Credit Limit: $1504 $1504 $1000
 High Credit: $956 $1504 $1504
 Balance: $0 $0 $0
 Past Due: $0 $0 $0
 Monthly Pay: $0 $43 $0
 30/60/90/Der/Rev: 0 / 0 / 0 / 0 / 16 0 / 0 / 0 / 0 / 15 0 / 0 / 0 / 0 / 16
 Status: RC RC RC
 PaymentHistory:
     1997
--- --- --- ---
     1998
00C CCC CCC CCC
     1999
CCC B          
     1997
--- --- --- ---
     1998
--- --- --- ---
     1999
--- -          
     1997
--- --- --- ---
     1998
1X1 111 111 111
     1999
111 X          
3
  Institution: PATELCO CREDIT UNION   Account # ****1103
  Address: 156 2ND S/SAN FRANCISCO CA 94105   Phone: 4154426200
  Experian Equifax Trans Union
 Opened/ClosedDate: Jun 1998 / Jun 1999 Jun 1998 / May 1999 Jun 1998 / Jun 1999
 Balance/StatusDate: Jun 1999 / Jun 1999 May 1999 / Jun 1999 Jun 1999 / Jun 1999
 LastPay/ProfileDate:   / Jun 1999   / Jun 1999   / Jun 1999
 Credit Limit: $3994 $3994 $4000
 High Credit: $3994 $3994 $3994
 Balance: $0 $0 $0
 Past Due: $0 $0 $0
 Monthly Pay: $0 $12 $0
 30/60/90/Der/Rev: 0 / 0 / 0 / 0 / 13 0 / 0 / 0 / 0 / 11 0 / 0 / 0 / 0 / 13
 Status: RC (*) 332 : IC CC
 PaymentHistory:
     1997
--- --- --- ---
     1998
--- --C CCC CCC
     1999
CCC CCB        
     1997
--- --- --- ---
     1998
--- --- --- ---
     1999
--- ---        
     1997
--- --- --- ---
     1998
--- --1 111 111
     1999
111 11X        
4
  Institution: PATELCO CREDIT UNION   Account # ****1102
  Address: 156 2ND S/SAN FRANCISCO CA 94105   Phone: 4154426200
  Experian Equifax Trans Union
 Opened/ClosedDate: Aug 1998 / Apr 1999 Aug 1998 / Mar 1999 Aug 1998 / Apr 1999
 Balance/StatusDate: Apr 1999 / Apr 1999 Mar 1999 / Apr 1999 Apr 1999 / Apr 1999
 LastPay/ProfileDate:   / Apr 1999   / Apr 1999   / Apr 1999
 Credit Limit: $1500 $1500 $0
 High Credit: $0 $1500 $1500
 Balance: $0 $0 $0
 Past Due: $0 $0 $0
 Monthly Pay: $0 $134 $134
 30/60/90/Der/Rev: 0 / 0 / 0 / 0 / 9 0 / 0 / 0 / 0 / 7 0 / 0 / 0 / 0 / 9
 Status: 12 : IC (*) 11 : IC 12 : IC
 PaymentHistory:
     1997
--- --- --- ---
     1998
--- --- -CC CCC
     1999
CCC B          
     1997
--- --- --- ---
     1998
--- --- --- ---
     1999
--- -          
     1997
--- --- --- ---
     1998
--- --- -11 111
     1999
111 X          
5
  Institution: TECHNOLOGY CREDIT UNIO   Account # ****2801
  Address: 2010 N 1ST ST STE 200/SAN JOSE CA 95131   Phone: 4084519111
  Experian Equifax Trans Union
 Opened/ClosedDate: Apr 1999 /      
 Balance/StatusDate: Aug 1999 / Aug 1999    
 LastPay/ProfileDate: Aug 1999 / Aug 1999    
 Credit Limit: $2000    
 High Credit: $0    
 Balance: $0    
 Past Due: $0    
 Monthly Pay: $0    
 30/60/90/Der/Rev: 0 / 0 / 0 / 0 / 3    
 Status: R    
 PaymentHistory:
     1997
--- --- --- ---
     1998
--- --- --- ---
     1999
--- --0 00     
NoEquivalentFound NoEquivalentFound
6
  Institution: TECHNOLOGY CREDIT UNIO   Account # ****40101036
  Address: PO BOX 1409/SAN JOSE CA 95109   Phone: 4085227700
  Experian Equifax Trans Union
 Opened/ClosedDate: Apr 1999 /   Apr 1999 /    
 Balance/StatusDate: May 1999 / May 1999 May 1999 / May 1999  
 LastPay/ProfileDate: May 1999 / May 1999   / May 1999  
 Credit Limit: $2000 $2000  
 High Credit: $1496 $2000  
 Balance: $1496 $1496  
 Past Due: $0 $0  
 Monthly Pay: $55 $55  
 30/60/90/Der/Rev: 0 / 0 / 0 / 0 / 2 0 / 0 / 0 / 0 / 0  
 Status: R R  
 PaymentHistory:
     1997
--- --- --- ---
     1998
--- --- --- ---
     1999
--- CC         
     1997
--- --- --- ---
     1998
--- --- --- ---
     1999
--- --         
NoEquivalentFound

 

1