LexisNexis Consumer

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Determine Your Risk Category Based on Score

Risk Catetory

Sample Reason Codes

To provide a better understanding of your score, we offer detailed reason codes on your report.
0101 Number of derogatory public record items. More info
0102 Number of inquiries for transactions initiated by consumer in last 6 months. More info

View All Reason Codes

LexisNexis® Attract™ Auto Insurance Score - Sample Report

score Date Ordered: 01 / 13 / 2010 Expires On: 06/12/2010

LexisNexis® Attract™ Auto Insurance Score

Reference #: 10413101307321 Date of Order: 01 / 13 / 2010
Account: 501735 LEXISNEXIS Date of Receipt: 01 / 13 / 2010

WHAT YOUR SCORE MEANS

Your score of 698 places you in the 49% percentile of consumers throughout the nation. If an insurance company evaluated you solely on your insurance score, you would be considered a AVERAGE risk. Because insurance companies use your insurance score with other underwriting guidelines (i.e. motor vehicle records, claims loss history), your risk level could change. For example, if you are considered a good risk but have a poor driving record and claims history, your ranking could be lowered.

It is important to know your insurance score because it is a determining factor in your auto insurance. It is important to understand how your score is determined so you can improve your score over time.

Score: 698
score value
insurance score
percentage

Graph shows the percentage of consumers who would receive a lower insurance score than yours. The maximum insurance score is 997.

score rank

FACTORS AFFECTING YOUR SCORE

Your LexisNexis® Attract Auto Insurance Score is based on the information on your Equifax® credit history. Knowing your insurance score and understanding the key factors affecting your score is important. The key factors will help you understand how you can improve or maintain your insurance score over time.

The key factors in influencing your score are:

0155 % OF OPEN OIL COMPANY ACCOUNTS TO TOTAL OPEN ACCOUNTS ...more info
0137 # OF RETAIL ACCOUNTS ESTABLISHED ...more info

HOW INSURANCE SCORES ARE USED

Insurance companies use financial history along with other factors to properly classify you according to your potential risk. Studies have shown a correlation between a consumer's financial history and his/her future insurance loss potential. Thus, insurance companies believe the use of credit helps to underwrite an applicant at a cost that reflects their specific risk.

Each insurer develops underwriting decisions based on their own business requirements. Insurance companies evaluate credit reports and/or insurance scores according to their own proprietary strategies. Other information is frequently used to underwrite your insurance and determine your premiums, such as:

Your score of 698 places you in the AVERAGE risk category.

IMPORTANT NOTE

The LexisNexis® Attract Insurance Score that you have received was generated using LexisNexis' proprietary model. The score used by your insurance company may differ if it is generated using a different scoring model.

Credit Report From Equifax

PERSONAL INFORMATION
Name: JOHN W DOE
SSN: XXX-XX-XXXX
Date of Birth: 01 / XX / 19XX
Address: 12345 DEAD END DR
ALPHARETTA, GA 30004-0000
Previous Address: 54321 NOWHERE CT
MONTGOMERY, AL 36117-0000
Date Reported: N/A
Previous Address: 999 PENNY LN
MONTGOMERY, AL 36111-0000
Date Reported: N/A
EMPLOYMENT HISTORY
Employer Employment Date Verified Date
SIEMENS ENERGY & AUTOMATION N/A N/A
COMPUTER SCIENCES CORP N/A N/A
CSC N/A N/A
PUBLIC RECORDS
Type of Record: JUDGMENT Court #: 100752 Status: SATISFIED
Date Filed: 12/1998 Case #: 121999 Amount: $22,450
Date Resolved: 12/1999 Plaintiff: Bubblegum, Inc  
COLLECTION ITEMS
Date Reported: 12 / 2009 Status: UNPAID
Date Assigned: 10 / 2009 Status Date: 12 / 2009
Original Amount: $342 Last Activity: 02 / 2009
Balance Amount: $342 Type: SUBJECT (INDIVIDUAL)
Balance Date: 12 / 2009 Agency ID: 464YA00286
Credit Grantor: AT T
CREDIT ITEMS
Creditor: HSBC BANK Account #: N/A Status: PAYS ACCOUNT AS AGREED
Date Opened: 11 / 2002 Type: REVOLVING High Credit: $15,500
Date Reported: 12 / 2009 Responsibility: SUBJECT (INDIVIDUAL) Balance: $5,876
Last Activity: 12 / 2009 Terms/Payment: N/A Past Due: $0
Payment History: d 30 days past due 00 times, 60 days past due 00 times, 90+ days past due 00 times
CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT
Creditor: THD/CBSD Account #: N/A Status: PAYS ACCOUNT AS AGREED
Date Opened: 10 / 1999 Type: REVOLVING High Credit: $5,700
Date Reported: 12 / 2009 Responsibility: SUBJECT (INDIVIDUAL) Balance: $0
Last Activity: 09 / 2006 Terms/Payment: N/A Past Due: $0
Payment History: 30 days past due 00 times, 60 days past due 00 times, 90+ days past due 00 times
ACCOUNT CLOSED AT CONSUMERS REQUEST CLOSED OR PAID ACCOUNT/ZERO BALANCE
CREDIT INQUIRIES
LANDSAFE: 06 / 01 / 2009
SCOTTRADE: 02 / 20 / 2009
AT&T SRVS: 02 / 19 / 2008
PERSONAL STATEMENT
Date Filed: 12/1996 Purge Date: 12/2003