GENERAL INFORMATION

The subject, John M. Smith, continues to reside and can be contacted at the following address:

John M. Smith's date of birth is January 13, 1965.  His social security number was confirmed as 111-22-3232.

REAL PROPERTY OWNERSHIP

A survey of Lincoln County tax records identified the following real property titled in the subject's name:

MOTOR VEHICLE REGISTRATIONIONS

A search was initiated with the Pennsylvania Department of Motor Vehicles to identify vehicles currently registered in the subject’s name.  Clerks identified the following vehicle:

EMPLOYMENT

Mr. Smith is currently employed at the following business:

FINANCIAL HISTORY

Prior to accessing complete personal credit history for any individual, certain criteria established by the Federal Trade Commission (F.T.C.) must exist.  These include a personal guarantor, default of a promissory note, or the acquisition of a judgment.  As one of the aforementioned criteria has been satisfied, we were able to access and review Mr. Smith's credit file.

Mr. Smith's present indebtedness is reported to be $106,203.00; however, this figure does not reflect a possible real estate mortgage with Allentown Savings Bank.  His last known balance for his property loan could not be determined, but this 1997 loan was for $95,000.00.

Of the 30 creditors reporting; in the subject's file 23 reflect a zero balance. The largest creditor of record is an installment loan for recreational merchandise with a balance of $90,000.00.  There is a secondary loan for $9,654.00.  The remaining creditors are revolving credit card accounts.  The total balance of these creditors is $6,549.00.

Mr. Smith has excellent credit as he pays his creditors in a timely manner.  There have been no inquiries into his credit file in the last year.

If a credit report is desired on Mr. Smith, please call our office.

JUDGMENTS & CIVIL RECORDS

Records were searched with Lincoln County Superior Court for record of judgments or civil actions to which John Smith is named as plaintiff or defendant.  Clerks identified the following cases:

SECRETARY OF STATE/U.C.C. RECORDS

A search was initiated with the Pennsylvania Secretary of State Corporate Record Division to identify the status of John Smith.  Clerks identified no records listed in the subject's name.

BANKRUPTCY RECORDS

U.S. Federal Bankruptcy Court records were searched by name with the Districts of Pennsylvania for record of filings or petitions to file for chapter protection by the subject.  Clerks advise there is no record in Mr. Smith's name.

BANK ACCOUNT LOCATION

Depository banking affiliation was identified with the following bank:

OVERALL REVIEW & CONCLUSION

The subject, John M. Smith, continues to reside and can be contacted at 543 Skiptown Ave., Allentown, PA 20202.  A survey of Lincoln County tax records identified the subject as the titled owner of the residential property.

Mr. Smith is currently employed at Woods Construction in Allentown, Pennsylvania.  Financial records generated in his name and social security number reflect no previous employment or occupational information.

Subject's full credit report was accessed as your office has satisfied one of the aforementioned criteria.  Mr. Smith's current reported indebtedness is $106,203.00.

A survey of Lincoln County Superior Court records identified two civil actions to which the subject is a named party.  Federal Bankruptcy Court records with the Districts of Pennsylvania identified no petitions for chapter protection in the name John M. Smith.

Depository banking affiliation was identified with Allentown Savings Bank.

Thank you for your Asset and Liability Investigation request.  Should you have any questions regarding this report, please contact Investigator Bob Jones.

This investigation was conducted in compliance with the
Fair Credit Reporting Act and the Gramm-Leach-Bliley Act.