6bc3f3a21f
- tax/: 84 files across 2014-2025 with full .md transcriptions - immigration/: 734 files (H-1B, green card, visa stamping, travel visas, passport) with 26 summary.md files - Loose files sorted: SSN cards → id/, vaccines → medical/covid/, credit check + lease addendum → lease/, UChicago offer → employment/, wine archive → receipts/ - home.md: removed green card timeline (moved to immigration/greencard/greencard/summary.md)
8.3 KiB
type, category, person, date, source
| type | category | person | date | source |
|---|---|---|---|---|
| credit-check | housing | Yanxin Lu | 2020 | adler_credit_check_2020.pdf |
Rental Report for Yanxin Lu
Report Date: 11/16/2020 Property: Unit 113 at The Adler Apartments Prepared by: RP On-Site LLC (2201 Lakeside Blvd., Richardson, TX 75082; 1-877-222-0384)
California Required Notices
This report does not guarantee the accuracy or truthfulness of the information as to the subject of the investigation, but only that it is accurately copied from public records, and information generated as a result of identity theft, including evidence of criminal activity, may be inaccurately associated with the consumer who is the subject of the report.
An investigative consumer reporting agency shall provide a consumer seeking to obtain a copy of a report or making a request to review a file, a written notice in simple, plain English and Spanish setting forth the terms and conditions of his or her right to receive all disclosures, as provided in CA Civil Code Section 1786.26.
Avisos obligatorios en el estado de California
El presente informe no garantiza la exactitud ni la veracidad de la informacion con respecto al tema de investigacion, sino unicamente que es una copia exacta de los registros publicos y es posible que la informacion generada como consecuencia del robo de identidad, incluidos los registros de antecedentes delictivos, se haya asociado por error con el consumidor objeto del presente informe.
Page 1: Identity & Address Verification
Identity
| Field | From Application | From Equifax |
|---|---|---|
| Name | Yanxin Lu | YANXIN LU |
| SSN | 636-29-**** | 636-29-**** |
| Birth Date | 10/**/1989 | 10/**/1989 |
Addresses
| From Application | From Equifax |
|---|---|
| 12411 W Fielding Circle #2248, Playa Vista, CA 90094 - US | 1000 ESCALON AVE. K2087, SUNNYVALE, CA 94085 (Applicant) - Reported 11/2020 |
| 3517 N HILLS DR. A104, AUSTIN, TX 78731 (Applicant) - Reported 5/2020 | |
| 2686 MURWORTH DR. 713, HOUSTON, TX 77054 (Applicant) - Reported 10/2018 |
Employment
| Field | From Application | From Equifax |
|---|---|---|
| Applicant | Software Engineer, Facebook Inc., $8,400.00/Mo. Total monthly Income: $8,400.00 |
Landlord Tenant Court Records
There were no previous Landlord Tenant Court records found.
Page 2: OFAC, Rental History & Risk Models
OFAC SDN Search
| Requested For | Results | Returned |
|---|---|---|
| Yanxin Lu | No records found | 11/16/2020 |
Rental History Records
From Equifax: There are no rental history records on file with Equifax.
From RealPage:
| Field | Record 1 | Record 2 |
|---|---|---|
| Landlord | THE MEADOWS (Applicant) | THE MEADOWS (Applicant) |
| Late Payments | 0 | 0 |
| Rent | $3,425.00 | $3,530.00 |
| Current Balance | $0.00 | |
| Tenant | YANXIN LU | YANXIN LU |
| Lease Dates | 12/28/2018-- | 12/28/2019-- |
| Landlord Phone | (408) 720-1170 | (408) 720-1170 |
Risk Models
From RealPage:
| Risk Model Name | Score | Score Factors |
|---|---|---|
| RealPage AI Score (Applicant) | 931 | Tradeline scoring, Debt-to-income ratio, Credit Score, Rental Payment History |
RealPage AI Score uses machine-learning and data patterns in credit score, debt/liability types, trade lines, rental payment history, and renter behavior to achieve reduced bad debt. The RealPage AI Score range is between 1 and 1000 (the higher the score, the less risky the consumer).
From Equifax:
| Risk Model Name | Score | Score Factors |
|---|---|---|
| Credit Score (Applicant) | 792 | Lack of sufficient credit history on bankcard or revolving accounts; Lack of sufficient relevant first mortgage account information; The date that you opened your oldest account is too recent; You have either very few loans or too many loans with recent delinquencies |
This credit score is a widely used risk model that uses credit report data to predict the likelihood of default. The credit score range is between 300 and 850 (the higher the score, the less risky the consumer).
Page 3: Credit Accounts
From Equifax
1. CITICARDS CBNA (Joint)
| Field | Value |
|---|---|
| Opened | 1/2017 |
| Last Active | 8/2020 |
| Balance | $1,270.00 |
| Monthly Payment | $35.00 |
| High Credit | $5,168.00 |
| Type | REVOLVING |
| Rate/Status | 1: Pays account as agreed |
| 30-59 / 60-89 / 90+ Late | 0 / 0 / 0 |
| Payment History | All 0s from 12/2018 through 10/2020 |
2. JPMCB - CARD SERVICE (Applicant)
| Field | Value |
|---|---|
| Opened | 10/2018 |
| Last Active | 10/2020 |
| Balance | $583.00 |
| Monthly Payment | $35.00 |
| High Credit | $2,287.00 |
| Type | REVOLVING |
| Rate/Status | 1: Pays account as agreed |
| 30-59 / 60-89 / 90+ Late | 0 / 0 / 0 |
| Payment History | All 0s from 1/2019 through 11/2020 |
3. JPMCB - CARD SERVICE (Joint)
| Field | Value |
|---|---|
| Opened | 1/2014 |
| Last Active | 2/2020 |
| Balance | $0.00 |
| Monthly Payment | |
| High Credit | $7,502.00 |
| Type | REVOLVING |
| Rate/Status | 1: Pays account as agreed |
| 30-59 / 60-89 / 90+ Late | 0 / 0 / 0 |
| Payment History | All 0s from 12/2018 through 10/2020 |
4. BANK OF AMERICA (Applicant)
| Field | Value |
|---|---|
| Opened | 8/2012 |
| Last Active | 9/2019 |
| Balance | $0.00 |
| Monthly Payment | |
| High Credit | $1,930.00 |
| Type | REVOLVING |
| Rate/Status | 1: Pays account as agreed |
| 30-59 / 60-89 / 90+ Late | 0 / 0 / 0 |
| Payment History | All 0s from 12/2018 through 10/2020 |
5. DISCOVER BANK (Joint)
| Field | Value |
|---|---|
| Opened | 12/2012 |
| Last Active | 2/2020 |
| Balance | $0.00 |
| Monthly Payment | |
| High Credit | $1,358.00 |
| Type | REVOLVING |
| Rate/Status | 1: Pays account as agreed |
| 30-59 / 60-89 / 90+ Late | 0 / 0 / 0 |
| Payment History | All 0s from 12/2018 through 10/2020 |
Previous Credit Inquiries
From Equifax:
- 12/2018: LEASINGDESK (Applicant)
Pages 4-6: Legal Disclosures
A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Key rights include:
- You must be told if information in your file has been used against you.
- You have the right to know what is in your file.
- You have the right to ask for a credit score.
- You have the right to dispute incomplete or inaccurate information.
- Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
- Consumer reporting agencies may not report outdated negative information.
- Access to your file is limited.
- You must give your consent for reports to be provided to employers.
- You may limit "prescreened" offers of credit and insurance.
- Consumers have the right to obtain a security freeze.
- You may seek damages from violators.
- Identity theft victims and active duty military personnel have additional rights.
A Summary of Your Additional Rights in California
- Right to obtain a copy of your credit report (free if turned down within 60 days).
- Right to dispute inaccurate information (CRA must investigate within 30 business days).
- Right to bring civil action against anyone who improperly obtains access to your file.
- Right to request information not be provided to third parties for marketing.
- Right to place a fraud security alert.
- Right to place a security freeze.
Security Freeze Contact Information
- Equifax Security Freeze: P.O. Box 105788, Atlanta, GA 30348; (800) 685-1111; https://www.freeze.equifax.com
- Experian Security Freeze: P.O. Box 9554, Allen, TX 75013; (888) 397-3742; https://www.experian.com/freeze/center.html
- TransUnion LLC: P.O. Box 2000, Chester, PA 19022-2000; (888) 909-8872; www.transunion.com/personal-credit/credit-disputes/credit-freezes.page
California Notice of Rights to Request and Obtain Credit Score
You have the right to request and obtain your credit score if one was provided with On-Site's report. A credit score is a numerical value derived from a statistical tool used to predict the likelihood of certain credit behaviors, including default.