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Household Finance Corporation
Household Revolving Home Equity Loan
Revolving Home Equity Loan Asset Backed Certificates - Series 1995-1
P & S Agreement Date: May 1, 1995
Original Settlement Date: May 25, 1995
Series Number of Class A-1 Certificates: 441919AE7
Series Number of Class A-2 Certificates: 441919AF4
Original Sale Balance: $474,825,000
Servicer Certificate (Page 1 of 3)
Distribution Date: 10/20/2000
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Investor Certificateholder Floating Allocation 85.70%
Percentage
Investor Certificateholder Fixed Allocation Percentage 97.90%
Aggregate Amount of Collections 2,054,189.92
Aggregate Amount of Interest Collections 738,539.46
Aggregate Amount of Principal Collections 1,315,650.46
Class A Interest Collections 632,904.75
Class A Principal Collections 1,198,170.92
Seller Interest Collections 105,634.71
Seller Principal Collections 117,479.54
Weighted Average Loan Rate 14.81%
Net Loan Rate 13.81%
Weighted Average Maximum Loan Rate 19.63%
Class A-1 Certificate Rate 6.84%
Maximum Investor Certificate Rate 13.81%
Class A-1 Certificate Interest Distributed 274,626.16
Class A-1 Investor Certificate Interest Shortfall 0.00
before Policy Draw
Unpaid Class A-1 Certificate Interest Shortfall 0.00
Received
Unpaid Class A-1 Certificate Interest Shortfall 0.00
Remaining
Unpaid Class A-1 Carryover Interest Amount 0.00
Class A-2 Certificate Rate 6.78%
Maximum Investor Certificate Rate 13.81%
Class A-2 Certificate Interest Distributed 11,963.09
Class A-2 Investor Certificate Interest Shortfall 0.00
before Policy Draw
Unpaid Class A-2 Certificate Interest Shortfall 0.00
Received
Unpaid Class A-2 Certificate Interest Shortfall 0.00
Remaining
Unpaid Class A-2 Carryover Interest Amount 0.00
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Maximum Principal Dist. Amount (MPDA) 1,288,081.00
Alternative Principal Dist. Amount (APDA) 1,198,170.92
Rapid Amortization Period? (Y=1, N=0) 0.00
Scheduled Principal Distribution Amount (SPDA) 1,198,170.92
Principal allocable to Class A-1 1,147,702.76
Principal allocable to Class A-2 50,468.16
SPDA deposited to Funding Account 0.00
Accelerated Principal Distribution Amount 0.00
APDA allocable to Class A-1 0.00
APDA allocable to Class A-2 0.00
Reimbursement to Credit Enhancer 0.00
Reduction in Certificate Principal Balance
due to Current Class A-1 Liquidation Loss Amount 80,583.15
Reduction in Certificate Principal Balance
due to Current Class A-2 Liquidation Loss Amount 3,543.50
Cumulative Investor Liquidation Loss Amount 84,126.65
Total Principal allocable to A-1 1,228,285.91
Total Principal allocable to A-2 54,011.66
Beginning Class A-1 Certificate Principal Balance 48,153,628.26
Beginning Class A-2 Certificate Principal Balance 2,117,360.50
Ending Class A-1 Certificate Principal Balance 46,925,342.35
Ending Class A-2 Certificate Principal Balance 2,063,348.84
Class A-1 Factor 0.1031723
Class A-2 Factor 0.1031674
Pool Factor (PF) 0.1242313
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Servicer Certificate (Page 2 of 3)
Distribution Date: 10/20/2000
Retransfer Deposit Amount 0.00
Servicing Fees Distributed 43,911.31
Beg. Accrued and Unpaid Inv. Servicing Fees 0.00
Accrued and Unpaid Inv. Servicing Fees Recv'd 0.00
End. Accrued and Unpaid Inv. Servicing Fees 0.00
Aggregate Investor Liquidation Loss Amount 84,126.65
Investor Loss Reduction Amount 0.00
Beginning Pool Balance 61,488,375.73
Ending Pool Balance 60,192,226.64
Beginning Invested Amount 52,693,575.76
Ending Invested Amount 51,411,278.19
Beginning Seller Principal Balance 8,794,799.97
Ending Seller Principal Balance 8,780,948.45
Additional Balances 117,479.54
Beginning Funding Account Balance 0.00
Ending Funding Account Balance 0.00
Ending Funding Account Balance % (before any purchase 0.00%
of Subsequent Loans)
Principal Balance of Subsequent Loans 0.00
Beginning Reserve Account Balance 1,211,294.00
Ending Reserve Account Balance 1,211,294.00
Beginning Seller Interest 14.3032%
Ending Seller's Interest 14.5882%
Delinquency & REO Status
30 - 59 days (Del Stat 3)
No. of Accounts 210
Trust Balance 5,974,493.41
60 - 89 days (Del Stat 4)
No. of Accounts 51
Trust Balance 1,612,824.21
90+ days (Del Stat 5+)
No. of Accounts 94
Trust Balance 2,438,160.12
270+ days (Del Stat 11+)
No. of Accounts 117
Trust Balance 3,777,819.73
REO
No. of Accounts 11
Trust Balance 260,017.10
Rapid Amortization Event ? No
Failure to make payment within 5 Business Days of No
Required Date ?
Failure to perform covenant relating to Trust's No
Security Interest ?
Failure to perform other covenants as described in No
the Agreement ?
Breach of Representation or Warranty ? No
Bankruptcy, Insolvency or Receivership relating to No
Seller ?
Subject to Investment Company Act of 1940 No
Regulation ?
Servicing Termination ? No
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Servicer Certificate (Page 3 of 3)
Distribution Date: 10/20/2000
Event of Default ? No
Failure by Servicer to make payment within 5 Bus. No
Days of Required Date ?
Failure by Servicer to perform covenant relating to No
Trust's Security Interest ?
Failure by Servicer to perform other covenants as No
described in the Agreement?
Bankruptcy, Insolvency or Receivership relating to No
Master Servicer ?
Trigger Event ? No
Policy Fee Distributed to Credit Enhancer (Paid N/A
directly from HFC)
Premium Distributed to Credit Enhancer 0.00
Amount Distributed to Seller 223,114.25
Master Servicer Credit Facility Amount 0.00
Guaranteed Principal Distribution Amount 0.00
Credit Enhancement Draw Amount 0.00
Application of Available Funds
Aggregate Amount of Collections 2,054,189.92
Deposit for principal not used to purchase
subsequent loans
Servicing Fee 43,911.31
Prinicpal and Interest to Class A-1 1,502,912.07
Prinicpal and Interest to Class A-2 65,974.75
Seller's portion of Principal and Interest 223,114.25
Funds deposited into Funding Account (Net) 0.00
Funds deposited into Spread Account 0.00
Excess funds released to Seller 218,277.54
Total 2,054,189.92
OFFICERS'S CERTIFICATE
All computations reflected in this Servicer
Certificate were
made in conformity with the Pooling and Servicing
Agreement.
The attached Servicing Certificate is true and correct
in all
material respects.
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A Servicing Officer
Statement to Certificateholders (Page 1 of 2)
Distribution Date: 10/20/2000
INVESTOR CERTIFICATES DISTRIBUTION SUMMARY (PER $1000)
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Class A Certificateholder Floating Allocation 85.6968%
Percentage
Class A Certificateholder Fixed Allocation Percentage 97.9045%
Beginning Class A-1 Certificate Balance 48,153,628.26
Beginning Class A-2 Certificate Balance 2,117,360.50
Class A-1 Certificate Rate 6.84375%
Class A-2 Certificate Rate 6.78000%
Class A-1 Certificate Interest Distributed 0.603806
Class A-2 Certificate Interest Distributed 0.598155
Class A-1 Certificate Interest Shortfall Distributed 0.000000
Class A-2 Certificate Interest Shortfall Distributed 0.000000
Remaining Unpaid Class A-1 Certificate Interest 0.000000
Shortfall
Remaining Unpaid Class A-2 Certificate Interest 0.000000
Shortfall
Rapid Amortization Event ? No
Class A-1 Certificate Principal Distributed 2.700568
Class A-2 Certificate Principal Distributed 2.700583
Maximum Principal Distribution Amount 2.712749
Scheduled Principal Distribution Amount (SPDA) 2.523395
Accelerated Principal Distribution Amount 0.000000
Aggregate Investor Liquidation Loss Amount 0.177174
Distributed
Total Amount Distributed to Certificateholders 3.304137
Principal Collections deposited into Funding Account 0.00
Ending Funding Account Balance 0.00
Ending Class A-1 Certificate Balance 46,925,342.35
Ending Class A-2 Certificate Balance 2,063,348.84
Class A-1 Factor 0.1031723
Class A-2 Factor 0.1031674
Pool Factor (PF) 0.1242313
Unreimbursed Liquidation Loss Amount 0.00
Accrued Interest on Unreimbursed Liquidation Loss 0.00
Amount
Accrued & Unpaid Interest on Unreimbursed Liquidation 0.00
Loss Amount
Class A Servicing Fee 43,911.31
Beginning Invested Amount 52,693,575.76
Ending Invested Amount 51,411,278.19
Beginning Pool Balance 61,488,375.73
Ending Pool Balance 60,192,226.64
Credit Enhancement Draw Amount 0.00
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Statement to Certificateholders (Page 2 of 2)
Distribution Date: 10/20/2000
DELINQUENCY & REO STATUS
30 - 59 days (Del Stat 3)
No. of Accounts 210
Trust Balance 5,974,493.41
60 - 89 days (Del Stat 4)
No. of Accounts 51
Trust Balance 1,612,824.21
90+ days (Del Stat 5+)
No. of Accounts 94
Trust Balance 2,438,160.12
REO
No. of Accounts 11
Trust Balance 260,017.10
Aggregate Liquidation Loss Amount for Liquidated Loans 98,167.78
Class A-1 Certificate Rate for Next Distribution Date To be updated
Class A-2 Certificate Rate for Next Distribution Date To be updated
Amount of any Draws on the Policy 0.00
Subsequent Mortgage Loans
No. of Accounts 0.00
Trust Balance 0.00
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