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F.A.Q.

What is a credit report?

A credit report is a snapshot of your experience with credit-related accounts. Aside from some basic personal information, like your name and address to help identify your report, there are three main types of information on your credit report:

  • Public Records
    Court-related information, including bankruptcies, state and county court records, tax liens, monetary judgments and, in some states, overdue child support payments.
  • Credit Inquiries
    Names of businesses or individuals that have obtained a copy of your credit report, including lenders, landlords, and employers.
  • Accounts
    Payment history on all your Real Estate, Installment, and Revolving Credit Accounts.

How is a credit score formulated?

http://www.myfico.com/crediteducation/whatsinyourscore.aspx

FICO® Scores are calculated from many different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how your FICO Scores are calculated.

Your FICO Scores consider both positive and negative information in your credit report. Late payments will lower your FICO Scores, but establishing or re-establishing a good track record of making payments on time will raise your score.

These percentages are based on the importance of the five categories for the general population. For particular groups—for example, people who have not been using credit long—the relative importance of these categories may be different.

How do I obtain a copy of my consumer credit report?

https://www.annualcreditreport.com/index.action

FREE Credit Reports. Federal law allows you to:

  • Get a free copy of your credit report every 12 months from each credit reporting company.
  • Ensure that the information on all of your credit reports is correct and up to date.

Your rights to your credit reports~

Federal law requires each of the three nationwide consumer credit reporting companies – Equifax, Experian and TransUnion to give you a free credit report every 12 months if you ask for it. They also make it easy to accomplish many credit-related tasks right from your computer.

What do the terms mean on criminal reports?

Criminal Definitions

  • Aa by pub serv aggravated assault by public servant
  • Aa/dw aggravated assault with a deadly weapon
  • Aa/po aggravated assault against peace officer
  • Aa/pub serv aggravated assault against public servant
  • Aa/sbi aggravated assault causes severe bodily injury
  • Aa/witness aggravated assault against witness
  • Acquitted – Non-conviction The charges against the defendant are dropped.
  • Act phys asst w/o lic act as physician asst without license
  • Adjudicated Guilty – Conviction The defendant has been found guilty of the charges.
  • Adjudication Withheld – Non-conviction The court does not give a final judgment regarding the case. The defendant is given probation, a program or community service in which they have a specified amount of time to complete. If the defendant complies, the case may be dismissed, depending on the county/state. If they do not dismiss in that particular county/state, then the disposition remains adjudication withheld and the case is closed. However, if the defendant is found in violation, the case disposition may be changed and the defendant can be found in guilt.
  • Agg aslt dw aggravated assault with a deadly weapon
  • Agg aslt sbi aggravated assault causes severe bodily injury
  • Agg kidnap aggravated kidnapping
  • Agg prom prost aggravated promotion of prostitution
  • Agg rob dw aggravated robbery with a deadly weapon
  • Agg sex a-v ch drugs aggravated sexual assault child
  • Agg sex a-v ch dw aggravated sexual assault child
  • Agg sex a-v ch fear aggravated sexual assault child
  • Agg sex a-v ch fear aggravated sexual assault child
  • Agg sex a-v ch sbi aggravated sexual assault child
  • Agg sex a-v ch/14 aggravated sexual assault child
  • Agg sex a-v concert aggravated sexual assault
  • Agg sex a-v concert ch aggravated sexual assault
  • Agg sex a-v drugs aggravated sexual assault
  • Agg sex a-v dw aggravated sexual assault with deadly weapon
  • Agg theft 100k r&c theft >=$100K<$200K
  • Agg theft 200k r&c theft >=$200K
  • Agg theft 50 theft >=$50<$500
  • Agg theft 50 pub serv theft >=$50<$500 public servant
  • Agg theft r&c 20k theft >=$20K<$100K
  • Aggregate Accumulated Amount
  • ARD Program – Non-conviction Stands for “Accelerated Rehabilitative Disposition Program”. Mostly found in the state of Pennsylvania. This program given to the defendant in place of adjudication. If the defendant completes the program, the case is closed.
  • Assault B-I Assault to cause bodily injury.
  • Att burg building burglary of building
  • Att burg com burglary of coin operated machine
  • Att burg hab burglary of habitation
  • Att burg veh burglary of vehicle
  • Att mfg cs 400g poss with intent man/del controlled substance
  • Att tres hab criminal trespass of a habitation
  • Bail/Bond Forfeiture – Non-conviction The charges against the defendant are dropped. Not enough evidence to convict.
  • burg building burglary of building
  • burg com burglary of coin operated machine
  • burg hab burglary of habitation
  • burg veh burglary of vehicle
  • Burgl Burglary.
  • Burgl Habitation Breaking into someone’s house.
  • bwi boating while intoxicated
  • c/f us gov doc counterfeiting/forging of government doc
  • cc abuse credit card abuse
  • cf/tm counterfeiting trademark
  • cf/tm 100k counterfeiting trademark
  • Concurrent Sentence taking place or existing at the same time as another.
  • Conditional Discharge – Non-conviction The defendant has no finding of guilt. The court is discharging him/her from trial on special conditions that they must abide by. If they do not abide by these conditions, the discharge may be revoked and the finding may become guilty.
  • Consent Decree – Conviction This is found in New Mexico. It is designed as a disposition for juvenile cases in which the defendant pleads guilty and is placed on decree/probation for six months.
  • Convicted – Conviction The defendant has been found guilty of the charges.
  • Criminal Misc Vandalism.
  • Dangerous Drugs Possession/Delivery of Controlled Substance.
  • dc abuse debit card abuse
  • Dead Docket Charges dropped / no further action taken, it is usually attached to other charges that the offender plea-bargained on.
  • Dead Docket – Non-conviction Often seen in Fulton, Georgia. Not enough evidence that shows the defendant is guilty or that he is innocent. So case is set aside. If not brought back up, case is closed.
  • Deadly Conduct Wielding a dangerous weapon, i.e. knife, gun, etc., or threatening to cause harm onto someone.
  • Declined DA Declined to Prosecute. Not enough evidence to take to grand jury.
  • Deferred Judgment – Non-conviction The defendant has no finding of guilt. The judgment is set-aside for a deferred amount of time and the defendant must comply with any conditions give to him/her. The case can be dismissed depending on the county/state if defendant completes all requirements.
  • del cs delivery of controlled substance
  • del mj delivery of marijuana
  • DIS TRCON DEV Disregard of a Traffic Control Device.
  • dispense cs unlawful dispense dangerous drug
  • Dropped – Non-conviction Not enough evidence to convict the defendant.
  • DSMD Dismissed.
  • dui driving while under the influence
  • dwi driving while intoxicated
  • dwls driving while license suspended
  • FIX Striking a highway fixture or landscape of greater than $200.00.
  • flid failure to id
  • FLID UV Failure to Identify Fugitive- Unable to verify.
  • FMFR Failure to Maintain Financial Responsibility.
  • Fraud Remains Writing Intent to destroy or fraud an application of some type.
  • Freetext Handwritten information next to the record that did not transfer over to the database. This does not affect the actual record.
  • fsra failure to stop and render aid
  • FSRA Failure to Stop and Render Aid.
  • FTA Failure to Appear.
  • Fugitive File The case has not been to trial. Found in Virginia. The same as Returned Unserved below.
  • fwi flying while intoxicated
  • GORG Guilty of Original Charge.
  • Guilty – Conviction It has been proven that the defendant committed the crime.
  • Guilty in Absentia – Conviction The jury has found the defendant guilty without his having appeared in court.
  • ibc issuance of bad check
  • Ignored – Non-conviction The case never went to trial. It was ignored by the state.
  • ind exp indecent exposure
  • Indec w/ child Indecency with a Child.
  • inj invalid injury to disabled body
  • int oral comm interception wire/oral/electronic communication
  • interfer po interference w/duties of public servant
  • keep gamb place keeping a gambling place
  • Larceny Theft.
  • mansi manslaughter
  • mfr dang drug manufacturing dangerous drug
  • Misdemeanor Intervention Program – Non-conviction A program designated only for misdemeanor offenses in which the defendant may comply to the conditions of the program in order to avoid a conviction.
  • MTN SUPRS GTD Motion to Supress Granted.
  • MVI Moving Vehicle Incident.
  • NDL No Driver’s License.
  • neg hom negligent homicide
  • No Action – Non-conviction The court dropped the case and did no continue with the charges.
  • No bill by grand jury Not enough evidence to indict on charges.
  • No Billed – Non-conviction The District Attorney never sent the case to court and it was not tried.
  • No Information Filed – Non-conviction Mostly found in Florida. It means the case has been dropped.
  • No Papered – Non-conviction The paperwork was never sent to the court by the District Attorney and the case was never filed. Therefore, it was never brought to trial.
  • Nolle Prosse – Non-conviction Latin for “Not Prosecuted”. This means there was not enough evidence to convict the defendant. The case is dropped.
  • Nolo ContendrT – Conviction Latin for “No Contest”. The defendant has pled no contest to the charges against him or her. Therefore the court finds him or her guilty.
  • Non-Adjudication of Guilt – Non-conviction Same as adjudication withheld.
  • NORG Not Guilty of Original Charge.
  • Not Guilty – Non-conviction A jury or judge trial finding that the defendant is innocent.
  • Other – Non-conviction Defendant is given special provisions for one year to abide by since this is a first offense. If no further violation of the same nature, case is closed.
  • Pending The case has not been to trial at this time. There is no disposition to report.
  • Pled Guilty – Conviction The defendant has pled guilty to the charges against him/her and the court accepts the plea as a conviction.
  • Prayer for Judgment – Non-conviction Deferred Prosecution, meaning state did not prosecute. Often seen in North Carolina. For example, with worthless checks it gives the defendant a chance to pay the check before being charged.
  • Pre-Trial Intervention – Non-conviction A program the defendant is placed in before going to trial. If the defendant complies prior to trial time, the trial will not be held for the charge and the defendant is not convicted.
  • Process Other – Non-conviction Defendant was not charged on this count due to being charged for another count.
  • Prohib Sub Jail Possessing a prohibited substance in a correctional facility.
  • Prost Prostitution.
  • PWC/Theft Passing Worthless Checks.
  • Quashed Dismissed.
  • Refused – Non-conviction The case never went to trial. The state refused to hear the case.
  • Rejected – Non-conviction The case never went to trial. The state rejected the hearing of the case.
  • Responsible – Non-conviction The defendant is responsible for the payment of the fines or fees of the crime. They are not found in guilt, however, must pay what they are ordered. Often found on traffic tickets or minor violation.
  • Retaliation Person commits this offense with the intension or knowingly harms or threatens to harm another; i.e. prospective witness or informant; to prevent or delay the service of another such as a public servant or prospective witness.
  • Returned Unserved The case has not been to trial at this time. Found in North Carolina. A warrant, summons or paper from the district attorney’s office was issued for delivery to the defendant to appear for trial; however, the defendant could not be located. Therefore, the case is technically pending, however, the paperwork was never served.
  • sedd securing execution of document by deception
  • SEDD or (SEC EXE DOCUMENT DEC) Securing Execution of Document by Deception.
  • Shock Probation Placed into rehab for the crime committed. The rehab illustrates what kind of harm they have placed on the victim by having the criminal listen to stories and videos of actual victims.
  • Stet Docket – Non-conviction Will not prosecute at this time. Eligible to be re-opened for one year if a violation is committed during that time. After the one-year period and no violations have been committed, it cannot be re-opened and the case is closed.
  • Stricken Off Leave – Non-conviction Often seen in Illinois. Stricken off docket with the ability to reinstate at a later date if deemed case can be prosecuted. This is often because the prosecutors run out of time to prosecute.
  • Theft Check 20 Theft by check for less than $20.
  • Theft Enhanced Record Before 1994: Theft of property less than $750. Enhanced: Has been convicted at least 2 times before for the same crime. Considered 3rd Degree felony. Record After 1994: Theft of property less than $1500. Enhanced: Has been convicted at least 2 times before for the same crime. Considered State Jail Felony.
  • theft serv 100k theft >=$100K<$200K
  • theft serv 20 theft >=$20<$50
  • theft serv 20k theft >=$20K<$100K
  • theft serv200k theft >=$200K
  • ucw unlawful carrying of weapon
  • UPF unlawful possession firearm by felon
  • Uuev unlawful use of emergency vehicle
  • Uumv unauthorized use of motor vehicle
  • vssa violation of state securities act
  • Waived – Conviction Mainly found in the state of North Carolina. This means the defendant has waived his/her right to trial and has pled guilty to the charges. In turn, the court accepts the plea of guilt.

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