Equifax Credit Report & Score - Harsh Nilkamal Kajiwala - Apr 18, 2021 PDF

4/18/2021 Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Theft and more Equifax Credit Report and Score ™ as of 04/18/2021 Name: Harsh Nilkamal Kajiwala Confirmation Number: 4108717861 C...

4/18/2021 Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Theft and more Equifax Credit Report and Score ™ as of 04/18/2021 Name: Harsh Nilkamal Kajiwala Confirmation Number: 4108717861 Credit Score Summary Where You Stand The Equifax Credit Score™ ranges from 300-900. Higher scores are viewed more favorably. Your Equifax credit score is calculated from the information in your 672 Good Equifax Credit Report. Most lenders would consider your score good. Based on this score, you should be able to qualify for credit with average interest rates and offers. Range 300 - 559 560 - 659 660 - 724 725 - 759 760 + Poor Fair Good Very Good Excellent Canada Population 4% 10% 15% 14% 57% What's Impacting Your Score Below are the aspects of your credit profile and history that are important to your Equifax credit score. They are listed in order of impact to your score - the first has the largest impact, and the last has the least. Number of national credit cards trades with balance greater than or equal to 99%of high credit. Number of trades with high utilization. Utilization for revolving trades. Your Loan Risk Rating 672 Good Your credit score of 672 is better than 16% of Canadian consumers. The Equifax Credit Score ™ ranges from 300-900. Higher scores are viewed more The Bottom Line : favorably. Lenders consider many factors in addition to your score when making credit decisions. However, most lenders would consider you to be a moderate risk. You may not qualify for credit with all lenders. When you do qualify for credit, you may pay higher Delinquency Rates* interest rates and be subject to more restrictive loan terms than those with higher scores If you're in the market for credit, this is what you might expect: You may not qualify for high credit limits on your credit card. 55% You are likely to pay higher interest rates on all types of loans than 33% those with higher scores. 21% The loan terms you receive may be somewhat restrictive. 11% 5% 2% It is important to understand that your credit score is not the 1% only factor that lenders evaluate when making credit decisions. 1% Different lenders set their own policies and tolerance for risk, and may consider other elements, such as your income, when 300- 500- 550- 600- 650- 700- 750- 800+ analyzing your creditworthiness for a particular loan. 499 549 599 649 699 749 799 * Delinquency Rate is defined as the percentage of borrowers who reach 90 days past due or worse (such as bankruptcy or account charge-off) on any credit account over a two year period. https://www.econsumer.equifax.ca/canadaotc/viewPopUpDetail.ehtml?prod_cd=CAUPLAN&sub_cd=CA_ACRO_XML&oi_num=CA517655195&c… 1/4 4/18/2021 Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Theft and more CREDIT REPORT Personal Information Personal Data Name: HARSH NILKAMAL KAJIWALA SIN: 936XXX328 Date of Birth: 1994-12-XX Current Address Previous Address Address: 113 SANWOOD BLVD Address: 155 PLEASANT VIEW DR SCARBOROUGH, ON NORTH YORK, ON Date Reported: 2019-03 2018-10 2016-09 Date Reported: 2019-03 2018-10 2016-09 Special Services No Special Services Message Consumer Statement No Consumer Statement on File Credit Information This section contains information on each account that you've opened in the past. It is retained in our database for not more than 6 years from the date of last activity. An installment loan is a fixed-payment loan in which the monthly payment does not change from month to month. Examples of such loans are a car loan or a student loan. Mortgage information may appear in your credit report, but is not used to calculate your credit score. A revolving loan is a loan in which the balance or amount owed changes from month to month, such as a credit card. Note: The account numbers have been partially masked for your security. AMERICAN EXPRESS Phone Number: (800)668-6500 High Credit/Credit Limit: $8,200.00 Account Number: XXX...500 Payment Amount: Not Available Association to Account: Individual Balance: $8,309.00 Type of Account: Revolving Past Due: $0.00 Date Opened: 2018-05 Date of Last Activity: 2021-04 Status: Paid as agreed and up to date Date Reported: 2021-04 Months Reviewed: 35 Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: Comments: Monthly payments Amount in h/c column is credit limit SCOTIABANK VISA Phone Number: (800)387-6508 High Credit/Credit Limit: $0.00 Account Number: XXX...452 Payment Amount: $15.00 Association to Account: Individual Balance: $0.00 Type of Account: Revolving Past Due: $0.00 Date Opened: 2017-02 Date of Last Activity: 2021-03 Status: Paid as agreed and up to date Date Reported: 2021-03 Months Reviewed: 50 Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: Comments: Account Closed Account paid TDCT https://www.econsumer.equifax.ca/canadaotc/viewPopUpDetail.ehtml?prod_cd=CAUPLAN&sub_cd=CA_ACRO_XML&oi_num=CA517655195&c… 2/4 4/18/2021 Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Theft and more Phone Number: (800)832-3321 High Credit/Credit Limit: $19,845.00 Account Number: XXX...801 Payment Amount: $307.00 Association to Account: Individual Balance: $11,629.00 Type of Account: Installment Past Due: Not Available Date Opened: 2018-02 Date of Last Activity: 2021-02 Status: Paid as agreed and up to date Date Reported: 2021-02 Months Reviewed: 37 Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: Comments: Monthly payments Credit History and Banking Information A credit transaction will automatically purge from the system six (6) years from the date of last activity. All banking information (checking or saving account) will automatically purge from the system six (6) years from the date of registration. No Banking information on file Please contact Equifax for additional information on Deposit transactions at 1-800-865-3908 Public Records and Other Information Bankruptcy A bankruptcy automatically purges six (6) years from the date of discharge in the case of a single bankruptcy. If the consumer declares several bankruptcies, the system will keep each bankruptcy for fourteen (14) years from the date of each discharge. All accounts included in a bankruptcy remain on file indicating "included in bankruptcy" and will purge six (6) years from the date of last activity. Voluntary Deposit - Orderly Payment Of Debts, Credit Counseling When voluntary deposit – OPD – credit counseling is paid, it will automatically purge from the system three (3) years from the date paid. Registered Consumer Proposal When a registered consumer proposal is paid, it will automatically purge three (3) years from the date paid. Judgments, Seizure Of Movable/Immovable, Garnishment Of Wages The above will automatically purge from the system six (6) years from the date filed. Secured Loans A secured loan will automatically purge from the system six (6) years from the date filed. (Exception: P.E.I. Public Records: seven (7) to ten (10) years.) Secured Loans Court Name: MINISTRY GOVT SERV Date Filed: 2018-02 Industry Class: Creditor's Name and Amount: 736724412 TD AUTO FINANCE (CANADA) INC $19845 Maturity Date: Comments: Security Deposit Unknown Collection Accounts A collection account under public records will automatically purge from the system six (6) years from the date of last activity. No Collections information on file Credit Inquiries to the File The following inquiries were generated because the listed company requested a copy of your credit report. An Inquiry made by a Creditor will automatically purge three (3) years from the date of the inquiry. The system will keep a minimum of five (5) inquiries. 2018-08-25 FREEDOM MOBILE INC. (888)472-2222 2018-05-09 AMER EXPRESS (800)575-2273 The following "soft" inquiries were also generated. These soft inquiries do not appear when lenders look at your file; they are only displayed to you. All Equifax Personal Sol inquiries are logged internally, however only the most current is retained for each month. 2021-04-18 AUTH EQUIFAX IDFS CA (770)740-5714 2021-04-18 EQUIFAX PERSONAL SOL (800)871-3250 2021-03-25 TD AUTO FINANCE (866)694-4392 https://www.econsumer.equifax.ca/canadaotc/viewPopUpDetail.ehtml?prod_cd=CAUPLAN&sub_cd=CA_ACRO_XML&oi_num=CA517655195&c… 3/4 4/18/2021 Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Theft and more 2021-01-10 AMERICAN EXPRESS CAN (800)668-6500 2021-01-09 TDCT (866)222-3456 2020-03-19 BLOCKCHAIN MARKETS (416)840-0231 2019-02-15 FILE REQ FICHE DM (800)465-7166 2019-02-15 YOURSELF VOUS MEME (111)111-1111 2018-08-25 FREEDOM MOBILE (416)572-0108 How can I correct an inaccuracy in my Equifax credit report? Complete and submit a Consumer Credit Report Update Form to Equifax. By mail: Equifax Canada Co. Consumer Relations Department Box 190 Jean Talon Station Montreal, Quebec H1S 2Z2 By fax: (514) 355-8502 Equifax will review any new details you provide and compare it to the information in our files. If our initial review does not resolve the problem, we will contact the source of the information to verify its accuracy. If the source informs us that the information is incorrect or incomplete, they will send Equifax updated information and we will change our file accordingly. If the source confirms that the information is correct, we will not make any change to our file. In either case, you may add a statement to our file explaining any concerns you have. Equifax will include your statement on all future credit reports we prepare if it contains 400 characters or less. If Equifax changes our file in response to your request, we will automatically send you an updated credit report to show you the changes. At your request, we will also send an updated credit report to any of our customers who received one within 60 days before the change was made. https://www.econsumer.equifax.ca/canadaotc/viewPopUpDetail.ehtml?prod_cd=CAUPLAN&sub_cd=CA_ACRO_XML&oi_num=CA517655195&c… 4/4