Credit Bureau of York, Inc. & Adams County

CREDIT REPORTING PRODUCTS AND SERVICES
Our Credit Reporting Division provides the most complete, accurate and comprehensive credit information and related products available. We provide you with the information you need to make important credit decisions. Areas of specialization include: Credit Reports, Predictive Models, Fraud Prevention Tools, Search Systems, Account Monitoring and Application Processing.

CREDIT REPORTS & RELATED PRODUCTS
Our credit report from America's leading credit information company provides concise, comprehensive demographic information coupled with extensive credit, collection and public records. A number of features and format options enable our customers to tailor it to meet their specific needs. Our report may include specific information on tradelines, collections, banksets, public records, and inquiries to provide the names, addresses and telephone numbers of subscribers at your request through an enhanced option. A credit report designed especially for Pre-Employment Screening is also available.

PREDICTIVE MODELS
Several Risk Scoring Systems are available through us which were developed by the nation's leading scoring innovators. An advanced multiple scorecard system identifies consumers within a credit population who have high potential for bankruptcy, delinquency and/or charge-offs, as well as consumers who are likely to maintain solvent, profitable relationships. Other models are available to customize credit granting policies. Specific industry overlays give users the choice to concentrate on customers in any of four credit product areas: Bankcard. Personal Finance. Auto Loans. Installment Loans. Unique scoring models for risk assessment to reduce claim losses are also available for the Insurance and Underwriting industry.

FRAUD PREVENTION TOOLS
Through the industry's most effective fraud prevention database, we provide a built-in check on credit inquiries by identifying input addresses, social security numbers and telephone numbers that may be fictitious, non-residential, or reported to have been used previously in suspected fraud activities. Social security numbers are compared to the Social Security Administration's Death Master File for deceased claimants, as well as to a table of non-issued numbers.

SEARCH SYSTEMS
Many unique products are available to provide new address, telephone numbers, and/or social security numbers of consumers nationwide. One search product, for example, provides the choice of four, broad, automated search categories to provide instant access to, or confirmation of, millions of addresses and telephone numbers, thereby increasing productivity and profitability. You can search by Subject or Address(both with access to neighbors), Surname or Phone Number. Other systems, built from the Social Security Index data can provide current and previous address, telephone number, aliases, age, employment and salary history, if available.

ACCOUNT MONITORING
An advanced account monitoring system keeps credit grantors posted on how targeted accounts are performing with other lenders. By forewarning them of potential problems in time to take appropriate action, it reduces exposure to high risk accounts while capitalizing on good performing accounts.

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