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CASE STUDY #1 – HUSBAND (BEFORE)
11/16/04

SAFESCAN WARNING:
1 – NO FRAUD INDICATION WAS DETECTED
***********************************************************

BEACON SCORE:     520
SERIOUS DELINQUENCY.
TOO MANY ACCOUNTS WITH BALANCES.
TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN.
LEVEL OF DELINQUENCY ON ACCOUNTS.
*CASE STUDY #1 HUSBAND (NAME OF CLIENT) SINCE 08/25/94  FAD 10/26/04
123, HAPPY ST, TORONTO, ON M9M 1A2, STS RPTD 04/03
123, HAPPY ST, TORONTO, ON M9M 1A2, STS RPTD 03/03
*INQS-SUBJECT SHOWS 2 INQUIRIES SINCE 08/04
10/26/04          TD CANADA TRUST               (416) 111-1111
10/21/04          TRANS CANADA CREDIT           (905) 555-5555
06/29/04          HOUSEHOLD FIN CORP            (905) 333-3333
05/06/04          TRANS CANADA CREDIT           (905) 555-5555
03/15/04          INTLUSA, CITIFIN       
10/09/03                                        (800) 444-4444
04/16/03          HOUSEHOLD FIN CORP            (905) 333-3333
03/10/03          TDCT                          (416) 222-2222
03/10/03          TD CANADA TRUST               (416) 111-1111
01/30/03          TDCT                          (416) 222-2222
01/30/03          TD CANADA TRUST               (416) 111-1111
12/03/02          CITIBANK CANADA               (905) 123-4567
10/07/02          TDCT                          (416) 222-2222
06/22/02          TDCT                          (416) 222-2222
03/20/02          CIBC                          (800) 123-1234
02/13/02          TRANS CANADA CREDIT           (905) 555-5555
12/17/01          BANK OF MONTREAL              (416) 555-1234
12/13/01          TDCT                          (416) 222-2222
11/23/01                                        (800) 444-4444
09/12/01          INTLUSA, CAPITAL 1
12/02/00          INTLUSA, CAPITAL 1
# INQS – 32
ES - J AND P BROTHERS
EF – GNP BROTHER CONSTRUCTION
E2- G P BROTHERS
SUMMARY 01/95-11/04,1-PR/OI,FB-NO, TOTAL-11, HC$0-33K, 11-ONES.
*PUBLIC RECORDS OR OTHER INFORMATION
03/01 SECLN CENT REG TOR,   ,BANK OF MONTREAL $33371,
SECUIRTY DEPOSIT UNKWOWN
* BUS/ID CODE RPTD OPND  H/C TERMS BAL   P/D RT  30/60/90  MR   DLA   

TRANS CANADA CREDIT     (905) 555-5555
            10/04 05/04 0    62    1995  0   R1  01 00 00  04   10/04 
ACCOUNT NUMBER XXX
      PREV HI RATES: R2 08/04
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

CDN TIRE M C         (416) 666-6666
              11/04  01/03  3077   81     2707   0   R1  01 00 00  21   11/04
ACCOUNT NUMBER XXX
       PREV HI RATES:  R2 05/03

CITI MC FORMERLY CT        (905)444-4444
              10/04  01/97  11K    222    10K    0   R1  03 00 00  57  10/04
ACCOUNT NUMBER XXX  
PREV HI RATES:  R2 06/03, R2 05/03, R2 04/03.
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

HFC RETAIL SERVICES (519) 555-5555
              11/04  03/98  1405   63     1085   0   R1  07 00 00  47  09/04
ACCOUNT XXX
       PREV HI RATES:  R2 03/04, R2 02/04, R2 08/03.
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

BANK OF MONTREAL            (416)555-1234
              10/04  03/01  33K    657    10K    0   I1  00 00 00  41  10/04
ACCOUNT NUMBER XXX
AUTO LOAN
MONTHLY PAYMENTS

CAPITAL ONE BANK            (800)666-6666
              10/04  09/01  10K    286    9899   0   R1  00 00 00  37   10/04
ACCOUNT NUMBER XXX
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

HBC CARD                   (416)555-1122
              10/04  01/95  1500          2497   0   R1  08 04 00  72   10/04
ACCOUNT NUMBER XXX
       PREV HI RATES:  R3 07/03, R3 06/03, R3 05/03.
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

CIBC CARD SERVICES   (416)555-4444
              10/04  06/96  5300   134    4489  0   R1  04 03 00  72   10/04
ACOUNT NUMBER XXX
       PREV HI RATES:  R3 0204, R2 10/03, R3 06/03.
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
CLOSED BY CREDIT GRANTOR

TDCT                       (416) 222-2222
              12/03  12/98  22K    475    0         I1  00 00 00   61   12/03
ACCOUNT NUMBER XXX
ACCOUNT PAID
MONTHLY PAYMENTS

TRANS CANADA CREDIT  (905) 555-5555
              12/01  09/00  1800   150    0         I1  01 00 00   14   11/01
ACCOUNT NUMBER XXX
       PREV HI RATES:  12 10/01.
MONTHLY PAYMENTS

 

END OF REPORT

 

CASE STUDY #1 – HUSBAND (AFTER)
10/14/05

SAFESCAN WARNING:
1 – NO FRAUD INDICATION WAS DETECTED
***********************************************************

BEACON SCORE:     610
SERIOUS DELINQUENCY.
PROPORTION OF BALANCES TO CREDIT LIMITS ON BNK/NTL REV ACCTS TOO HIGH.
TOO MANY INQUIRIES LAST 12 MONTHS.
TOO MANY ACCOUNTS WITH BALANCES.
* CASE STUDY #1 HUSBAND (NAME OF CLIENT ) SINCE 08/25/94  FAD 09/27/05
123, HAPPY ST, TORONTO, ON M9M 1A2,  STS RPTD 04/03
123, HAPPY ST, TORONTO, ON M9M 1A2, STS RPTD 03/03
* INQS-SUBJECT SHOWS 1 INQUIRIES SINCE 07/05
09/27/05          SAVECAPITAL FINANCIAL               (416) 540-9232
04/12/05          CITIBANK CANADA                     (905) 555-6666
01/10/05          CITICOMMERCE SOL                    (905) 555-7777
11/16/04          SAVECAPITAL FINANCIAL               (416) 540-9232
10/26/04          TDCT                                (416) 222-2222
10/21/04          WFF CORP CANADA                     (416) 555-4444
06/29/04          HSBC FINANCE                        (519) 111-2222
05/06/04          WFF CORP CANADA                     (416) 555-4444
03/15/04          INTLUSA, CITIFIN                    (905) 555-1111
10/09/03          BMO M C NEW APP 1                   (416) 333-3333
04/16/03          HSBC FINANCE                        (519) 111-2222
03/10/03          TDCT                                (416) 222-2222
03/10/03          TDCT                                (416) 222-2222
01/20/03          TDCT                                (416) 222-2222
01/30/03          TDCT                                (416) 222-2222
12/03/02          CITIBANK CANADA                     (905) 555-6666
09/12/01          INTLUSA, CAPITAL 1
12/02/00          INTLUSE, CAPITAL 1
# INQS – 147
ES - J AND P BROTHERS
EF – GNP BROTHER CONSTRUCTION
E2- G P BROTHERS
SUMMARY 01/95-10/05, 1-PR/OI, FB-NO, TOTAL-11, HC$0-33K, 11-ONES.
*PUBLIC RECORDS OR OTHER INFORMATION
03/01 SECLN CENT REG TOR,   ,BANK OF MONTREAL $33371,
SECURITY DEPOSIT UNKWOWN
* BUS/ID CODE RPTD OPND  H/C TERMS BAL   P/D RT  30/60/90  MR   DLA   

WFF CORP CANADA         (416)555-4444
            09/05 05/04 0           0     0   R1  01 00 00  15   12/04
ACCOUNT NUMBER XXX
      PREV HI RATES:  R2 08/04.
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

BMO                     (416) 555-1234
            09/05 03/01 33K   657   3877  0   I1  00 00 00  51    09/05             
ACCOUNT NUMBER XXX
AUTO LOAN
MONTHLY PAYMENTS
CIBC CARD SERVICES      (519)555-8888    
            10/05 04/98 4400        0    0   R1  04 01 00  70   12/04 
ACCOUNT NUMBER XXX
      PREV HI RATES:  R2 01/04, R2 10/03, R3 06/03.
CLOSED BY CREDIT GRANTOR

CAPITAL ONE BANK        (416) 555-9999
            09/05 09/01 10K         9813  0  R1  00 00 00  48   09/05
ACCOUNT NUMBER XXX
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

HBC CARD                (905)555-0000
            09/05 01/95 2000        685   0  R1  08 04 00  72   09/05
ACCOUNT NUMBER XXX
      PREV HI RATES:  R3 07/03, R3 06/03, R3 05/03.
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

CITI MC FORMERLY CT     (905)444-4444
            08/05 01/97 11K   224   10K   0  R1  03 00 00  67   08/05
ACCOUNT NUMBER XXX
      PREV HI RATES:  R2 06/03, R2 05/03, R2 04/03.
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

CIBC CARD SERVICES      (519)555-8888    
            09/05 06/96 5300        0     0  R1  04 03 00  72   12/04
ACCOUNT NUMBER XXX
      PREV HI RATES:  R3  02/04, R3 01/01, R3 06/03.
CLOSED BY CREDIT GRANTOR

CDN TIRE M C            (416)666-6666
            09/05 01/03 3000  91    3029  0  R1  01 00 00  31   08/05
ACCOUNT NUMBER XXX
      PREV HI RATES:  R2 05/03.
AMOUNT IN H/C COLUMN IS CREDIT LIMIT

HSBC RETAIL SERVICES    (519) 555-2121
01/05 03/98 1405        0     0  R1  07 00 00  49   12/04
ACCOUNT NUMBER XXX
      PREV HI RATES:  R2 03/04, R2 02/04, R2 08/03.
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

TDCT                    (416) 222-2222
            12/03 12/98 22K   475   0        I1  00 00 00  61   12/03
ACCOUNT NUMBER XXX
ACCOUNT PAID
MONTHLY PAYMENTS 

WFF CORP CANADA         (416)555-4444
            12/01 09/00 1800  150   0     0  I1  01 00 00  14   11/01
ACCOUNT NUMBER XXX
      PREV HI RATES:  I2 10/01.
MONTHLY PAYMENTS

END OF REPORT

 

CASE STUDY #2 –(BEFORE)
06/23/06

SAFESCAN WARNING:
1 – NO FRAUD INDICATION WAS DETECTED
***********************************************************

BEACON  REJECT:I
BEACON NOT AVAILABLE, INSUFFICIENT OR UNKNOWN ACCOUNT HISTORY.
* CASE STUDY #5 (NAME OF CLIENT) SINCE 11/01/81  FAD 06/23/06
888 HAPPYWAY CRES, ETOBICOKE, ON, M9M 1BB, TAPE RPTD 02/03
888 HAPPYWAY CRES, ETOBICOKE, ON, M9M 1BB, TAPE RPTD 10/97
999 MORTGAGES BLVD, TORONTO, ON, M9M 1BC,  TAPE RPTD 05/06
* INQS-SUBJECT SHOWS 4 INQUIRIES SINCE 03/06
06/23/06          FIRST EQUITY FIN              (905)555-8989
05/31/06          SCOTIA BANK                   (416)555-0000
05/04/06          HBC CARD                      (416)111-3333
03/27/06          SCOTIA BANK                   (416)555-0000
09/19/05          FIRST EQUITY FIN              (905)555-8989
09/01/05          SCOTIA BANK                   (416)555-0000
06/02/05          CITICOMMERCE SOL              (800)222-3333
04/17/05          CITIBANK MASTERCARD           (519)555-7777
03/15/05          SCOTIABANK                    (416)555-0001
03/05/05          GE MONEY LNT                  (613)111-1111
04/22/04          SCOTIABANK                    (416)555-0001
09/25/03          SCOTIA BANK                   (416)555-0000
06/26/93          INTLUSA, TD/GM VISA
# INQS – 21
ES – SELF EMPLOYED
EF – SELF EMPLOYED,
E2 – SELF –EMPLOYED, GENERAL CONTRACTOR
SUMMARY 04/06-06/06, NO-PR/OI, FB-NO, TOTAL-1, HC$300, 1–ONE.
* BUS/ID CODE RPTD OPND  H/C TERMS BAL   P/D RT  30/60/90  MR   DLA

HBC CARD                (416)111-3333
06/06 04/06 300         0     0   R1  00 00 00  01   06/06
ACCOUNT NUMBER XXX
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

 

END OF REPORT

 

CASE STUDY #2 – (AFTER)
09/15/06

SAFESCAN WARNING:
1 – NO FRAUD INDICATION WAS DETECTED
***********************************************************

BEACON SCORE:     736
DATE OF LAST INQUIRY TOO RECENT OR UNKNOWN.
TOO MANY INQUIRIES LAST 12 MONTHS.
LACK OF RECENT BANK/NATIONAL REVOLVING INFORMATION.
LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED.
* CASE STUDY #5 (NAME OF CLIENT) SINCE 11/01/81  FAD 09/13/06
888 HAPPYWAY CRES, ETOBICOKE, ON, M9M 1BB, TAPE RPTD 02/03
888 HAPPYWAY CRES, ETOBICOKE, ON, M9M 1BB, TAPE RPTD 10/97
999 MORTGAGES BLVD, TORONTO, ON, M9M 1BC,  TAPE RPTD 05/06
*INQS-SUBJECT SHOWS 3 INQUIRIES SINCE 06/06
09/13/06          HSBC RETAIL SERVICES          (222)222-2222          
08/17/06          FIRST EQUITY FIN              (905)555-8989
06/23/06          FIRST EQUITY FIN              (905)555-8989
05/31/06          SCOTIA BANK                   (416)555-0000
05/04/06          HBC CARD                      (416)111-3333
03/27/06          SCOTIA BANK                   (416)555-0000
09/19/05          FIRST EQUITY FIN              (905)555-8989
09/01/05          SCOTIA BANK                   (416)555-0000
06/02/05          CITICOMMERCE SOL              (800)222-3333
04/17/05          CITIBANK MASTERCARD           (519)555-7777
03/15/05          SCOTIABANK                    (416)555-0001
03/05/05          GE MONEY LNT                  (613)111-1111
04/22/04          SCOTIABANK                    (416)555-0001
09/25/03          SCOTIA BANK                   (416)555-0000
06/26/93          INTLUSA, TD/GM VISA
# INQS – 25
ES – SELF EMPLOYED
EF – SELF EMPLOYED,
E2 – SELF –EMPLOYED, GENERAL CONTRACTOR
SUMMARY 04/06-08/06, NO-PR/OI, FB-NO, TOTAL-1, HC$300, 1–ONE.
* BUS/ID CODE RPTD OPND  H/C TERMS BAL   P/D RT  30/60/90  MR   DLA

HBC CARD          (416)111-3333
            08/06 04/06 300   15    15    0  R1   00 00 00  03   06/06
ACCOUNT NUMBER XXX
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MONTHLY PAYMENTS

 

END OF REPORT

     

 








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