Report Created On: 05/12/2019

File Number: 310744123

You have been on our files since 12/22/2004

SSN: XXX-XX-9030 Date of Birth: 07/05/1987
Your SSN has been masked for your protection.
Names Reported: CHRISTOPHER R. STEGER, CHRISTOPHER CHRISTOPHER, CHRISTOPHE STEGER and CHRISTOPHE R. STEGER
Addresses Reported:
Address Date Reported
6651 ARBOR FARM, SAN ANTONIO, TX 78239-3264 12/29/2018
21302 ENCINO COMMONS APT 9207, SAN ANTONIO, TX 78259-2729 10/19/2017
1301 N A W GRIMES BLVD APT 1528, ROUND ROCK, TX 78665-3495 08/16/2015
1406 ROARING FRK, LEANDER, TX 78641-3652 03/31/2013
101 COLORADO ST APT 3105, AUSTIN, TX 78701-4304 06/03/2013
3000 COLONIAL PKWY APT 7106, CEDAR PARK, TX 78613-6619 08/12/2012
1399 PHILLIPS RD APT E60, NEW BEDFORD, MA 02745-1937 09/04/2011
55 SEA BREEZE DR, SOUTH DARTMOUTH, MA 02748-3002 02/01/2011
41 SEA BREEZE DR APT B, SOUTH DARTMOUTH, MA 02748-3043 08/06/2010
52 RIDGELINE DR, NEWPORT BEACH, CA 92660-6824 06/16/2009
3908 TEXAS WILDLIFE TRL, AUSTIN, TX 78735-1749 12/01/2004
421 LINDSEY ST, SAN MARCOS, TX 78666-3313 11/01/2004
203 SPENCE ST APT 9, KERRVILLE, TX 78028-5147 02/11/2007
1150 RIVER RIDGE PKWY APT 214, SAN MARCOS, TX 78666-6848 04/29/2010
1399 PHILLIPS RD APT 60, NEW BEDFORD, MA 02745-1910 09/18/2011
213 INCA DOVE, LEANDER, TX 78641-1893 09/15/2014
UNIT NUMBER 1528, ROUND ROCK, TX 78665 09/02/2016
2108 ROSEMARY LN, ROUND ROCK, TX 78664-7139 06/05/2016
1301 N A W GRIMES BLVD APT 15, ROUND ROCK, TX 78665-3458 09/03/2015
101 COLORADO ST APT 3409, AUSTIN, TX 78701-4462 12/11/2013

Telephone Numbers Reported:

(210) 255-0809 (817) 897-7404 (512) 743-5466 (512) 263-8565 (210) 202-8369 (512) 528-5582

Employment Data Reported:

Employer Name Location Position Date Verified
CHARTER COMMUNICATIONS SALESCOMM 04/17/2019
SPECTRUM 03/09/2019
RACKSPACE SAN ANTONIO, TX 01/08/2019
UPS SALES 07/26/2018
PREMIRE BOOTH LLC 05/27/2016
OFFICE DEPOT 10/10/2015
STUDENT 03/27/2008
GREENERY KERRVILLE, TX LANDSCAPER 01/31/2006

Typically, creditors report any changes made to your account information monthly. This means that some accounts listed below may not reflect the most recent activity until the
creditor's next reporting. This information may include things such as balances, payments, dates, remarks, ratings, etc. The key(s) below are provided to help you understand some of
the account information that could be reported.

Rating Key
Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings in the key below describe the payments that may be reported
by your creditors. Please note: Some but not all of these ratings may be present in your credit report.

Remarks Key
Additionally, some creditors may notate your account with comments each month. We refer to these creditor comments as 'Remarks'. The key below gives the descriptions of the

Page 1 of 28
 abbreviated remarks contained in your credit file. Any remark containing brackets > < indicates that this remark is considered adverse.

CBG CLOSED BY CREDIT GRANTOR PAL PURCHASED BY ANOTHER LENDER >PRL< UNPAID BALANCE CHARGED OFF

Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have
added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note: Accounts are
reported as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid on or before
the due date.

AMERICAN EXPRESS #349991949121****

PO BOX 981537
EL PASO, TX 79998
(800) 874-2717

Date Opened: 06/25/2012 Balance: $338 Pay Status: >Charged Off<

Responsibility: Individual Account Date Updated: 03/23/2017 Terms: Paid Monthly
Account Type: Revolving Account High Balance: $27,904 Date Closed: 07/28/2015
Loan Type: CREDIT CARD Credit Limit: $20,000
Past Due: >$338<

Remarks: CLOSED BY CREDIT GRANTOR; >UNPAID BALANCE CHARGED OFF<

Estimated month and year that this item will be removed: 05/2023

02/2017 01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016

Rating X X X X X X X X X X

04/2016 03/2016 02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015

Rating X X X X X X X X X X

06/2015 05/2015 04/2015 03/2015 02/2015 01/2015 12/2014 11/2014 10/2014 09/2014

Rating X X X X X X OK OK OK OK

08/2014 07/2014 06/2014 05/2014 04/2014 03/2014 02/2014 01/2014 12/2013 11/2013

Rating OK OK OK OK OK OK OK OK OK OK

10/2013 09/2013 08/2013 07/2013 06/2013 05/2013 04/2013 03/2013 02/2013 01/2013

Rating OK OK OK OK OK OK OK OK OK OK

12/2012 11/2012 10/2012 09/2012 08/2012 07/2012

Rating OK OK OK OK OK OK

BARCLAYS BANK DELAWARE #00024505757****

PO BOX 8803
WILMINGTON, DE 19899
(888) 232-0780

Date Opened: 07/13/2015 Date Updated: 12/01/2016 Pay Status: >Charged Off<
Responsibility: Individual Account Payment Received: $0 Terms: Paid Monthly
Account Type: Revolving Account Last Payment Made: 05/09/2016 Date Closed: 08/04/2016
Loan Type: CREDIT CARD Original ChargeOff: $2,828 >Maximum Delinquency of 120 days in 09/2016 for
$313 and in 11/2016 for $577<

Page 2 of 28
High Balance: High balance of $3,536 from 11/2016 to 12/2016
Credit Limit: Credit limit of $700 from 11/2016 to 12/2016
Estimated month and year that this item will be removed: 04/2023

12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016 03/2016

Balance $3,536 $3,536

Scheduled $145
Payment

Amount Paid $0 $0

Past Due $3,536 $577

CBG
Remarks >PRL< CBG

Rating C/O 120 120 120 90 60 30 OK OK OK

02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015

Rating OK OK OK OK OK OK OK OK

CHASE CARD #414720221648****

PO BOX 15369
WILMINGTON, DE 19850
(800) 945-2000

Date Opened: 04/19/2011 Date Updated: 10/17/2018 Pay Status: >Charged Off<
Responsibility: Individual Account Last Payment Made: 03/09/2016 Terms: Paid Monthly
Account Type: Revolving Account Original ChargeOff: $12,426 Date Closed: 07/03/2016
Loan Type: FLEXIBLE >Maximum Delinquency of 120 days in 09/2016 for
SPENDING CREDIT $1,439 and in 11/2016 for $2,087<
CARD

High Balance: High balance of $15,853 from 11/2016 to 11/2017; $15,853 from 10/2018 to 10/2018
Credit Limit: Credit limit of $11,000 from 11/2016 to 11/2017; $11,000 from 10/2018 to 10/2018
Estimated month and year that this item will be removed: 04/2023

10/2018 09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018

Balance $12,425

Scheduled
Payment

Past Due $12,425

CBG
Remarks >PRL<

Rating C/O C/O C/O C/O C/O C/O C/O C/O C/O C/O

12/2017 11/2017 10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017

Balance $12,426 $12,426 $12,426 $12,426 $12,426 $12,426 $12,426 $12,426 $12,426

Scheduled
Payment

Past Due $12,426 $0 $12,426 $12,426 $12,426 $12,426 $12,426 $12,426 $12,426
CBG CBG CBG CBG CBG CBG CBG CBG CBG
Remarks >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL<

Rating C/O C/O C/O C/O C/O C/O C/O C/O C/O C/O

Page 3 of 28
 02/2017 01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016

Balance $12,426 $12,426 $12,426 $12,426

Scheduled $299
Payment

Past Due $12,426 $2,386 $2,087 $2,087

CBG CBG CBG
Remarks >PRL< >PRL< >PRL< CBG

Rating C/O C/O C/O 120 120 120 90 60 30 OK

04/2016 03/2016 02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015

Rating OK OK OK OK OK OK OK OK OK OK

06/2015 05/2015 04/2015 03/2015 02/2015 01/2015 12/2014 11/2014 10/2014 09/2014

Rating OK OK OK OK OK OK OK OK OK OK

08/2014 07/2014 06/2014 05/2014 04/2014 03/2014 02/2014 01/2014 12/2013 11/2013

Rating OK OK OK OK OK OK OK OK OK OK

10/2013 09/2013 08/2013 07/2013 06/2013 05/2013 04/2013 03/2013 02/2013 01/2013

Rating OK OK OK OK OK OK OK OK OK OK

12/2012 11/2012 10/2012 09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012

Rating OK OK OK OK OK OK OK OK OK OK

02/2012 01/2012 12/2011

Rating OK OK OK

CHASE CARD #558967101388****

PO BOX 15369
WILMINGTON, DE 19850
(800) 945-2000

Date Opened: 10/11/2012 Date Updated: 11/12/2017 Pay Status: >Charged Off<
Responsibility: Individual Account Last Payment Made: 03/25/2016 Terms: Paid Monthly
Account Type: Revolving Account Original ChargeOff: $5,949 Date Closed: 07/10/2016
Loan Type: FLEXIBLE >Maximum Delinquency of 120 days in 09/2016 for
SPENDING CREDIT $656 and in 11/2016 for $1,037<
CARD

High Balance: High balance of $6,134 from 11/2016 to 11/2017

Credit Limit: Credit limit of $5,000 from 11/2016 to 11/2017
Estimated month and year that this item will be removed: 04/2023

Page 4 of 28
 11/2017 10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017

Balance $5,949 $5,949 $5,949 $5,949 $5,949 $5,949 $5,949 $5,949 $5,949 $5,949

Scheduled
Payment

Past Due $5,949 $0 $5,949 $5,949 $5,949 $5,949 $5,949 $5,949 $5,949 $5,949
CBG CBG CBG CBG CBG CBG CBG CBG CBG CBG
Remarks >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL<

Rating C/O C/O C/O C/O C/O C/O C/O C/O C/O C/O

01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016

Balance $5,949 $5,949 $5,949

Scheduled $209
Payment

Past Due $1,246 $1,037 $1,037

CBG CBG
Remarks >PRL< >PRL< CBG

Rating C/O C/O 120 120 120 90 60 30 OK OK

03/2016 02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015

Rating OK OK OK OK OK OK OK OK OK OK

05/2015 04/2015 03/2015 02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014

Rating OK OK OK OK OK OK OK OK OK OK

07/2014

Rating OK

DISCOVER FINCL SVC LLC #601120891136****

PO BOX 15316
WILMINGTON, DE 19850-5316
(800) 347-2683

Date Opened: 11/28/2012 Date Updated: 04/22/2019 Pay Status: >Charged Off<
Responsibility: Individual Account Last Payment Made: 05/05/2016 Terms: Paid Monthly
Account Type: Revolving Account Original ChargeOff: $6,461 Date Closed: 10/14/2016
Loan Type: CREDIT CARD >Maximum Delinquency of 120 days in 09/2016 for
$627 and in 11/2016<

High Balance: High balance of $6,461 from 12/2016 to 04/2019

Credit Limit: Credit limit of $5,400 from 12/2016 to 04/2019
Estimated month and year that this item will be removed: 03/2023

04/2019 03/2019 02/2019 01/2019 12/2018 11/2018 10/2018 09/2018 08/2018 07/2018

Balance $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461

Past Due $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461

Remarks >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL<

Rating C/O C/O C/O C/O C/O C/O C/O C/O C/O C/O

Page 5 of 28
 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017 11/2017 10/2017 09/2017

Balance $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461

Past Due $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461

Remarks >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL<

Rating C/O C/O C/O C/O C/O C/O C/O C/O C/O C/O

08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016

Balance $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461

Past Due $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461 $6,461

Remarks >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL<

Rating C/O C/O C/O C/O C/O C/O C/O C/O C/O 120

10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016 03/2016 02/2016 01/2016

Rating 120 120 90 60 30 OK OK OK OK OK

12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015

Rating OK OK OK OK OK OK OK OK OK OK

02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014

Rating OK OK OK OK OK OK OK OK OK OK

04/2014 03/2014 02/2014 01/2014 12/2013

Rating OK OK OK OK OK

DISCOVER FINCL SVC LLC #601120894703****

PO BOX 15316
WILMINGTON, DE 19850-5316
(800) 347-2683

Date Opened: 12/12/2010 Date Updated: 04/15/2019 Pay Status: >Charged Off<
Responsibility: Individual Account Last Payment Made: 05/09/2016 Terms: Paid Monthly
Account Type: Revolving Account Original ChargeOff: $8,567 Date Closed: 06/19/2016
Loan Type: CREDIT CARD >Maximum Delinquency of 120 days in 11/2016 for
$885 and in 12/2016<

High Balance: High balance of $8,409 from 11/2016 to 11/2016; $8,567 from 01/2017 to 04/2019
Credit Limit: Credit limit of $6,000 from 11/2016 to 11/2016; $6,000 from 01/2017 to 04/2019
Estimated month and year that this item will be removed: 04/2023

Page 6 of 28
 04/2019 03/2019 02/2019 01/2019 12/2018 11/2018 10/2018 09/2018 08/2018 07/2018

Balance $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567

Scheduled
Payment

Past Due $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567

Remarks >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL<

Rating C/O C/O C/O C/O C/O C/O C/O C/O C/O C/O

06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017 11/2017 10/2017 09/2017

Balance $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567

Scheduled
Payment

Past Due $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567

Remarks >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL<

Rating C/O C/O C/O C/O C/O C/O C/O C/O C/O C/O

08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016

Balance $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,409

Scheduled $179
Payment

Past Due $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $8,567 $885

Remarks >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< CBG

Rating C/O C/O C/O C/O C/O C/O C/O C/O 120 120

10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016 03/2016 02/2016 01/2016

Rating 90 60 30 OK OK OK OK OK OK OK

12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015

Rating OK OK OK OK OK OK OK OK OK OK

02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014

Rating OK OK OK OK OK OK OK OK OK OK

04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013

Rating OK OK OK OK OK OK OK

DSNB/MACYS #603534106531****
PO BOX 8218
MASON, OH 45050
(800) 289-6229

Date Opened: 12/23/2010 Date Updated: 04/29/2019 Pay Status: >Charged Off<
Responsibility: Individual Account Payment Received: $0 Terms: Paid Monthly
Account Type: Revolving Account Last Payment Made: 03/30/2018 Date Closed: 07/29/2018

Page 7 of 28
Loan Type: CHARGE Original ChargeOff: $408 >Maximum Delinquency of 120 days in 07/2018 and in
ACCOUNT 09/2018 for $270<

High Balance: High balance of $302 from 11/2016 to 12/2017; $316 from 08/2018 to 08/2018; $362 from 09/2018 to 09/2018; $408 from 10/2018 to 04/2019
Credit Limit: Credit limit of $100 from 11/2016 to 12/2017; $100 from 08/2018 to 04/2019
Estimated month and year that this item will be removed: 03/2025

04/2019 03/2019 02/2019 01/2019 12/2018 11/2018 10/2018 09/2018 08/2018 07/2018

Balance $408 $408 $408 $408 $408 $408 $408 $362 $316

Scheduled $49 $48

Payment

Amount Paid $0 $0 $0 $0 $0 $0 $0 $0 $0

Past Due $408 $408 $408 $408 $408 $408 $408 $270 $222
CBG CBG CBG CBG CBG CBG CBG
Remarks >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< CBG CBG

Rating C/O C/O C/O C/O C/O C/O C/O 120 120 120

06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017 11/2017 10/2017 09/2017

Balance $94 $114 $66 $0

Scheduled $27 $27 $27

Payment

Amount Paid $0 $0 $0 $0

Past Due $0 $0 $0 $0

Rating 90 60 30 OK 60 30 OK OK OK OK

08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016

Balance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Amount Paid $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Rating OK OK OK OK OK OK OK OK OK OK

10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016 03/2016 02/2016 01/2016

Rating OK OK OK OK OK OK OK OK OK OK

12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015

Rating OK N/R N/R N/R OK OK OK OK OK OK

02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014

Rating OK OK OK OK OK OK OK OK OK OK

04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013 07/2013

Rating OK OK OK OK OK OK OK OK OK OK

Page 8 of 28
 06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012 09/2012

Rating OK OK OK OK OK OK OK OK OK OK

08/2012 07/2012 06/2012

Rating OK OK OK

KIA MOTOR FINANCE #2015060286****

POB 20835
FOUNTAIN VALLEY, CA 92728-0835
(866) 331-5632

Date Opened: 06/24/2015 Balance: $0 Pay Status: Current; Paid or Paying as

Responsibility: Individual Account Date Updated: 09/06/2016 Agreed
Account Type: Installment Account Payment Received: $0 Terms: $0 per month, paid Monthly
Loan Type: AUTOMOBILE Last Payment Made: 05/26/2016 for 36 months
High Balance: $7,400 Date Closed: 09/06/2016
>Maximum Delinquency of 30 days in 08/2016 for
$232<

Remarks: CLOSED

08/2016 07/2016 06/2016 05/2016 04/2016 03/2016 02/2016 01/2016 12/2015 11/2015

Rating 30 OK OK OK OK OK OK OK OK OK

10/2015 09/2015 08/2015 07/2015

Rating OK OK OK OK

SERVICE LOAN COMPANY ROUND ROCK TX #8829N0003****

PO BOX 2935
GAINESVILLE, GA 30503
(770) 534-1094

Date Opened: 05/11/2016 Date Updated: 04/06/2019 Pay Status: >Charged Off<
Responsibility: Individual Account Payment Received: $0 Terms: $111 per month, paid
Account Type: Installment Account Last Payment Made: 07/01/2016 Monthly for 6 months
Loan Type: NOTE LOAN Original ChargeOff: $558 Date Closed: 01/26/2017

High Balance: High balance of $670 from 05/2017 to 08/2017; $670 from 10/2017 to 04/2019
Estimated month and year that this item will be removed: 06/2023

04/2019 03/2019 02/2019 01/2019 12/2018 11/2018 10/2018 09/2018 08/2018 07/2018

Balance $558 $558 $558 $558 $558 $558 $558 $558 $558 $558

Scheduled $111 $111 $111 $111 $111 $111 $111 $111 $111 $111
Payment

Amount Paid $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Past Due $618 $618 $618 $618 $618 $618 $618 $618 $618 $618

Remarks >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL<

Rating C/O C/O C/O C/O C/O C/O C/O C/O C/O C/O

Page 9 of 28
 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017 11/2017 10/2017 09/2017

Balance $558 $558 $558 $558 $558 $558 $558 $558 $558

Scheduled $111 $111 $111 $111 $111 $111 $111 $111 $111
Payment

Amount Paid $0 $0 $0 $0 $0 $0 $0 $0 $0

Past Due $618 $618 $618 $618 $618 $618 $618 $618 $618

Remarks >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL< >PRL<

Rating C/O C/O C/O C/O C/O C/O C/O C/O C/O N/R

08/2017 07/2017 06/2017 05/2017

Balance $558 $558 $558 $558

Scheduled $111 $111 $111 $111

Payment

Amount Paid $0 $0 $0 $0

Past Due $618 $618 $618 $618

Remarks >PRL< >PRL< >PRL< >PRL<

Rating C/O C/O C/O C/O

SYNCB/AMAZON PLCC #604578108916****

PO BOX 965015
ORLANDO, FL 32896-5015
(866) 634-8379

Date Opened: 11/19/2015 Date Updated: 04/24/2017 Pay Status: >Charged Off<
Responsibility: Individual Account Payment Received: $0 Terms: Paid Monthly
Account Type: Revolving Account Last Payment Made: 04/23/2016 Date Closed: 10/13/2016
Loan Type: CHARGE Original ChargeOff: $2,932 >Maximum Delinquency of 120 days in 12/2016 for
ACCOUNT $455 and in 01/2017 for $582<

Credit Limit: Credit limit of $1,700 from 11/2016 to 02/2017; $1,700 from 04/2017 to 04/2017
Estimated month and year that this item will be removed: 04/2023

04/2017 03/2017 02/2017 01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016

Balance $0 $2,932 $2,897 $2,798 $2,700

Scheduled $128 $127 $118

Payment

Amount Paid $0 $500 $0 $0 $0

Past Due $0 $710 $582 $455 $337

High Balance $2,190 $2,190 $2,897 $2,798 $2,700

PAL
Remarks >PRL< >PRL< CBG CBG CBG

Rating C/O N/R C/O 120 120 90 60 30 OK OK

06/2016 05/2016 04/2016 03/2016 02/2016 01/2016 12/2015

Rating 30 OK OK OK OK OK OK

WEBBANK/FRESHSTART #636992031969****

Page 10 of 28
6250 RIDGEWOOD ROA
SAINT CLOUD, MN 56303
(866) 734-0342

Date Opened: 10/13/2017 Date Updated: 12/20/2018 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $26 Agreed
Account Type: Installment Account Last Payment Made: 12/20/2018 Terms: $0 per month, paid Monthly
Loan Type: INSTALLMENT for 8 months
SALES CONTRACT Date Closed: 12/20/2018
>Maximum Delinquency of 90 days in 08/2018 for $40
and in 11/2018 for $40<

High Balance: High balance of $195 from 10/2017 to 12/2018

Remarks: CLOSED

12/2018 11/2018 10/2018 09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018

Balance $0 $46 $45 $54 $73 $72 $70 $89 $87 $85

Scheduled $0 $6 $10 $10 $10 $10 $10 $10 $10 $10

Payment

Amount Paid $26 $0 $10 $20 $0 $0 $20 $0 $0 $0

Past Due $0 $40 $30 $30 $40 $30 $20 $30 $20 $0

Rating OK 90 60 60 90 60 30 60 30 OK

02/2018 01/2018 12/2017 11/2017 10/2017

Balance $69 $87 $71 $89 $73

Scheduled $10 $10 $10 $10 $10

Payment

Amount Paid $20 $0 $20 $0 $30

Past Due $0 $0 $0 $0 $0

Rating OK OK OK OK OK

CAINE & WEINER #1434****

5805 SEPULVEDA BLVD 4TH FL
SHERMAN OAKS, CA 91411
(818) 226-6000

Placed for 01/21/2019 Balance: $100 Pay Status: >In Collection<

collection: Date Updated: 03/31/2019
Responsibility: Individual Account Original Amount: $100
Account Type: Open Account Original Creditor: PROGRESSIVE
Loan Type: COLLECTION INSURANCE (Retail)
AGENCY/ATTORNEY Past Due: >$100<

Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 11/2025

I C SYSTEMS COLLECTIONS #9151****

PO BOX 64378
SAINT PAUL, MN 55164-0378
(888) 735-0516

Placed for 10/24/2018 Balance: $703 Pay Status: >In Collection<

collection: Date Updated: 05/05/2019
Responsibility: Individual Account Original Amount: $703
Account Type: Open Account Original Creditor: CHARTER
Loan Type: COLLECTION COMMUNICATIONS

Page 11 of 28
 AGENCY/ATTORNEY (Cable/Cellular)
Past Due: >$703<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 09/2024

NATIONAL CREDIT SYSTEMS #40348**

PO BOX 312125
ATLANTA, GA 31131-2125
(404) 629-9595

Placed for 01/30/2019 Balance: $444 Pay Status: >In Collection<

collection: Date Updated: 05/08/2019
Responsibility: Individual Account Original Amount: $444
Account Type: Open Account Original Creditor: WELLINGTON
Loan Type: COLLECTION ESTATES APTS
AGENCY/ATTORNEY (Rental/Leasing)
Past Due: >$444<

Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 11/2025

PORTFOLIO RECOVERY #414709932716****

120 CORPORATE BLVDSUITE 100
NORFOLK, VA 23502
(844) 675-3407

Placed for 03/20/2018 Balance: $10,917 Pay Status: >In Collection<

collection: Date Updated: 05/08/2019
Responsibility: Individual Account Original Amount: $10,917
Account Type: Open Account Original Creditor: CAPITAL ONE
Loan Type: DEBT BUYER BANK USA N A
(Banking)
Past Due: >$10,917<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 05/2023

PORTFOLIO RECOVERY #604578108916****

120 CORPORATE BLVDSUITE 100
NORFOLK, VA 23502
(844) 675-3407

Placed for 03/22/2017 Balance: $2,932 Pay Status: >In Collection<

collection: Date Updated: 05/08/2019
Responsibility: Individual Account Original Amount: $2,932
Account Type: Open Account Original Creditor: SYNCHRONY BANK
Loan Type: DEBT BUYER (Banking)
Past Due: >$2,932<

Remarks: DISP INVG COMP-CONSUM DISAGRS; >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 04/2023

The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note:
Accounts are reported as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid
on or before the due date.

CAPITAL ONE BANK USA NA #517805855037****

P O Box 30281
Salt Lake City, UT 84130-0281
(800) 955-7070

Page 12 of 28
Date Opened: 12/27/2018 Date Updated: 04/09/2019 Pay Status: Current; Paid or Paying as
Responsibility: Authorized Account Last Payment Made: 03/11/2019 Agreed
Account Type: Revolving Account Terms: $25 per month, paid
Monthly
Loan Type: CREDIT CARD

High Balance: High balance of $190 from 02/2019 to 04/2019

Credit Limit: Credit limit of $200 from 02/2019 to 04/2019

04/2019 03/2019 02/2019 01/2019

Balance $46 $24 $14

Scheduled $25 $24 $14

Payment

Past Due $0 $0 $0

Rating OK OK OK OK

CAPITAL ONE BANK USA NA #517805904544****

P O Box 30281
Salt Lake City, UT 84130-0281
(800) 955-7070

Date Opened: 11/27/2012 Balance: $0 Pay Status: Current; Paid or Paying as

Responsibility: Individual Account Date Updated: 04/25/2013 Agreed
Account Type: Revolving Account Payment Received: $0 Terms: Paid Monthly
Date Closed: 03/08/2013
Loan Type: CREDIT CARD High Balance: $99
Credit Limit: $2,000

Remarks: ACCOUNT CLOSED BY CONSUMER; CLOSED

03/2013 02/2013 01/2013 12/2012

Rating OK OK OK OK

CITICARDS CBNA #542418128073****

POB 6241
SIOUX FALLS, SD 57117
(888) 248-4728

Date Opened: 03/27/2019 Balance: $93 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Date Updated: 04/16/2019 Agreed
Account Type: Revolving Account Last Payment Made: 04/11/2019 Terms: $25 per month, paid
Monthly
Loan Type: SECURED CREDIT High Balance: $93
CARD Credit Limit: $300

FORD MOTOR CREDIT #4984****

POB 542000
OMAHA, NE 68154
(800) 727-7000

Date Opened: 02/01/2014 Balance: $0 Pay Status: Current; Paid or Paying as

Responsibility: Joint Account Date Updated: 07/14/2014 Agreed
Account Type: Installment Account Payment Received: $18,099 Terms: $442 per month, paid
Monthly for 49 months
Loan Type: AUTOMOBILE Last Payment Made: 07/14/2014
Date Closed: 07/14/2014
High Balance: $19,693

Remarks: CLOSED

06/2014 05/2014 04/2014 03/2014 02/2014

Rating OK OK OK OK OK

Page 13 of 28
KAY JEWELERS #800278****
375 GHENT RD
AKRON, OH 44333
(866) 875-0891

Date Opened: 07/14/2010 Balance: $0 Pay Status: Current; Paid or Paying as

Responsibility: Individual Account Date Updated: 09/20/2012 Agreed
Account Type: Revolving Account Payment Received: $0 Terms: Paid Monthly
Date Closed: 08/28/2012
Loan Type: CHARGE Last Payment Made: 08/13/2010
Date Paid: 08/13/2010
ACCOUNT High Balance: $178
Credit Limit: $178

Remarks: INACTIVE ACCOUNT; CLOSED

08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011

Rating OK OK OK OK OK OK OK OK OK OK

10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011

Rating OK OK OK OK OK OK OK OK OK OK

12/2010 11/2010 10/2010 09/2010 08/2010 07/2010

Rating OK OK OK OK OK OK

SALLIE MAE #98429422181E00****

123 JUSTISON STREET
3RD FLOOR
WILMINTON, DE 19801
(800) 472-5543

Date Opened: 11/01/2011 Balance: $0 Pay Status: Current; Paid or Paying as

Responsibility: Individual Account Date Updated: 01/04/2013 Agreed
Account Type: Installment Account Payment Received: $0 Terms: $0 per month, Deferred
Date Closed: 01/04/2013
Loan Type: STUDENT LOAN Last Payment Made: 12/03/2012
High Balance: $4,250

Remarks: CLOSED

12/2012 11/2012 10/2012 09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012

Rating OK OK OK OK OK OK OK OK OK OK

02/2012 01/2012 12/2011 11/2011

Rating OK OK OK OK

SYNCB/AMAZON PLCC #604578108003****

PO BOX 965015
ORLANDO, FL 32896-5015
(866) 634-8379

Date Opened: 11/19/2015 Balance: $0 Pay Status: Current; Paid or Paying as

Responsibility: Individual Account Date Updated: 03/13/2018 Agreed
Account Type: Revolving Account Payment Received: $0 Terms: Paid Monthly
Date Closed: 04/01/2016
Loan Type: CHARGE Last Payment Made: 03/27/2016
ACCOUNT High Balance: $321
Credit Limit: $1,700

Remarks: CREDIT CARD LOST OR STOLEN

Page 14 of 28
 02/2018 01/2018 12/2017 11/2017 10/2017 09/2017 08/2017 07/2017 06/2017 05/2017

Rating OK OK OK OK OK OK OK OK OK OK

04/2017 03/2017 02/2017 01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016

Rating OK OK OK OK OK OK OK OK OK OK

06/2016 05/2016 04/2016 03/2016 02/2016 01/2016 12/2015 11/2015

Rating OK OK OK OK OK OK OK OK

SYNCB/JC PENNEY #600889398821****

PO BOX 965007
ORLANDO, FL 32896-5007
(866) 227-5213

Date Opened: 04/29/2010 Balance: $0 Pay Status: Current; Paid or Paying as

Responsibility: Individual Account Date Updated: 05/10/2017 Agreed
Account Type: Revolving Account Payment Received: $0 Terms: Paid Monthly
Date Closed: 01/09/2015
Loan Type: CHARGE Last Payment Made: 12/03/2010
Date Paid: 12/03/2010
ACCOUNT High Balance: $79
Credit Limit: $1,000

Remarks: CLOSED

04/2017 03/2017 02/2017 01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016

Rating OK OK OK OK OK OK OK OK OK OK

06/2016 05/2016 04/2016 03/2016 02/2016 01/2016 12/2015 11/2015 10/2015 09/2015

Rating OK OK OK OK OK OK OK OK OK OK

08/2015 07/2015 06/2015 05/2015 04/2015 03/2015 02/2015 01/2015 12/2014 11/2014

Rating OK OK OK OK OK OK OK OK OK OK

10/2014 09/2014 08/2014 07/2014 06/2014 05/2014 04/2014 03/2014 02/2014 01/2014

Rating OK OK OK OK OK OK OK OK OK OK

12/2013 11/2013 10/2013 09/2013 08/2013 07/2013 06/2013 05/2013 04/2013 03/2013

Rating OK OK OK OK OK OK OK OK OK OK

02/2013 01/2013 12/2012 11/2012 10/2012 09/2012 08/2012 07/2012 06/2012 05/2012

Rating OK OK OK OK OK OK OK OK OK OK

04/2012 03/2012 02/2012 01/2012 12/2011 11/2011 10/2011 09/2011 08/2011 07/2011

Rating OK OK OK OK OK OK OK OK OK OK

06/2011 05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010 10/2010 09/2010

Rating OK OK OK OK OK OK OK OK OK OK

Page 15 of 28
 08/2010 07/2010

Rating OK OK

SYNCB/ROOMS TO GO #601919122761****
C/O PO BOX 965036
ORLANDO, FL 32896-5036
(866) 396-8254

Date Opened: 07/27/2014 Balance: $0 Pay Status: Current; Paid or Paying as

Responsibility: Individual Account Date Updated: 07/30/2017 Agreed
Account Type: Revolving Account Payment Received: $0 Terms: Paid Monthly
Date Closed: 06/20/2016
Loan Type: CHARGE Last Payment Made: 03/14/2016
Date Paid: 03/14/2016
ACCOUNT High Balance: $1,611
Credit Limit: $4,000

Remarks: CLOSED BY CREDIT GRANTOR; CLOSED

06/2017 05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016 10/2016 09/2016

Rating OK OK OK OK OK OK OK OK OK OK

08/2016 07/2016 06/2016 05/2016 04/2016 03/2016 02/2016 01/2016 12/2015 11/2015

Rating OK OK OK OK OK OK OK OK OK OK

10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015 02/2015 01/2015

Rating OK OK OK OK OK OK OK OK OK OK

12/2014 11/2014 10/2014 09/2014 08/2014 07/2014

Rating OK OK OK OK OK OK

UBS BANK USA #439708000129****

299 SOUTH MAIN STR
SUITE 2275
SALT LAKE CITY, UT 84111
(866) 843-2512

Date Opened: 06/17/2009 Balance: $0 Pay Status: Current; Paid or Paying as

Responsibility: Individual Account Date Updated: 09/26/2011 Agreed
Account Type: Revolving Account Payment Received: $17 Terms: Paid Monthly
Date Closed: 04/04/2011
Loan Type: FLEXIBLE Last Payment Made: 06/10/2011
Date Paid: 06/10/2011
SPENDING CREDIT High Balance: $2,587
CARD Credit Limit: $1,500

Remarks: ACCOUNT CLOSED BY CONSUMER; CLOSED

08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010

Rating OK OK OK OK OK OK OK OK OK OK

10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010 03/2010 02/2010 01/2010

Rating OK OK OK OK OK OK OK OK OK OK

Page 16 of 28
 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009

Rating OK OK OK OK OK OK OK

Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit
information on the dates specified. These inquiries will remain on your credit file for up to 2 years.

SALLIE MAE BANK REGIONAL ACCEPTANCE CORPO

PO BOX 3229 1424 E FIRE TOWER
WILMINGTON, DE 19804 GREENVILLE, NC 27858
(800) 472-5543 (919) 766-1388

Requested On: 04/17/2019 Requested On: 03/09/2019

Inquiry Type: Individual Inquiry Type: Participant

CHASE AUTO ENTERPRISE CAR SALES via NCCENTERPRISE CAR

PO BOX 901076 SALES
FORT WORTH, TX 76101 11238 N 1H 35
(800) 336-6675 SAN ANTONIO, TX 78233
Phone number not available
Requested On: 03/09/2019
Inquiry Type: Joint Requested On: 03/09/2019
Inquiry Type: Individual
Permissible Purpose: CREDIT TRANSACTION

CHASE CARD ACE CASH EXPRESS

PO BOX 15077 1231 GREENWAY DR
WILMINGTON, DE 19850 SUITE 600
(800) 453-9719 IRVING, TX 75038
Phone number not available
Requested On: 02/06/2019
Inquiry Type: Individual Requested On: 01/08/2019
Inquiry Type: Individual

REGIONAL ACCEPTANCE CORPO CAPITAL ONE AUTO FINANCE

1424 E FIRE TOWER 3905 N DALLAS PARKWAY
GREENVILLE, NC 27858 PLANO, TX 75093
(919) 766-1388 (800) 946-0332

Requested On: 07/27/2018 Requested On: 07/27/2018

Inquiry Type: Individual Inquiry Type: Individual

LAMESA GM LLC via ODELAMESA CHEVROLET BUIC LENDIFY FINANCIAL LLC

2713 LUBBOCK HWY 333 BUSH ST 17TH FLOOR
LAMESA, TX 79331 SAN FRANCISCO, CA 94104
(806) 872-4400 (866) 281-3054

Requested On: 07/27/2018, 07/26/2018 Requested On: 07/26/2018

Inquiry Type: Individual Inquiry Type: Individual
Permissible Purpose: CREDIT TRANSACTION Permissible Purpose: CREDIT TRANSACTION

US BANK DEALER SERVICES C SECURITY SERVICE FCU via SSFCU

205 W FOURTH STREET PO BOX 27377
SUITE 700 SAN ANTONIO, TX 78227
CINCINNATI, OH 45202 (210) 476-4000
(303) 626-9305
Requested On: 07/13/2018

Page 17 of 28
Requested On: 07/26/2018 Inquiry Type: Individual
Inquiry Type: Individual Permissible Purpose: CREDIT TRANSACTION

CAPITAL ONE BANK USA NA DSNBMACY'S

PO BOX 30281 PO BOX 8218
SALT LAKE CITY, UT 84130 MASON, OH 45040
(800) 955-7070 (800) 243-6552

Requested On: 03/26/2018 Requested On: 10/15/2017

Inquiry Type: Individual Inquiry Type: Individual

SYNCBWALMART PLCC
PO BOX 965024
ORLANDO, FL 32896
(877) 294-7880

Requested On: 10/12/2017

Inquiry Type: Individual

The companies listed below received your name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full
credit report. These inquiries are not seen by anyone but you and do not affect your score.

TRANSUNION CONSUMER INTE TRANSUNION INTERACTIVE

100 CROSS STREET 100 CROSS STREET
SAN LUIS OBISP, CA 93401 SAN LUIS OBISPO, CA 93401
(805) 782-8282 (805) 782-8282

Requested On: 04/10/2019, 04/06/2019, 03/01/2019, 02/14/2019, 01/25/2019, Requested On: 04/10/2019, 04/06/2019, 03/01/2019, 02/14/2019
12/19/2018, 11/02/2018, 10/19/2018, 10/10/2018, 08/01/2018, 07/12/2018,
07/01/2018, 06/01/2018, 05/25/2018

METLIFE AUTO & HOME INS MONEYLION INC

700 QUAKER LANE 30 WEST 21ST ST
WARWICK, RI 02886 FLOOR 9
(800) 422-4272 NEW YORK, NY 10010
(212) 689-2410
Requested On: 03/10/2019, 01/24/2019, 01/04/2019
Requested On: 01/14/2019

PROGRESSIVE INSURANCE
PO BOX 43258
RICHMOND HEIG, OH 44123
(216) 732-3038

Requested On: 11/30/2018

The listing of a company's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you.
These inquiries are not seen by anyone but you and will not be used in scoring your credit file (except insurance companies may have access to other insurance company inquiries,
certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries,
where permitted by law).

CHRISTOPHER STEGER via TRANSUNION INTERACTIVE TU INTERACTIVE

IN 100 CROSS ST

Page 18 of 28
100 CROSS ST 202
STE 202 SAN LUIS OBISPO, CA 93401
SAN LUIS OBISPO, CA 93401 (844) 580-6816
(855) 681-3196
Requested On: 05/12/2019
Requested On: 05/12/2019
Permissible Purpose: CONSUMER REQUEST

TRANSUNION CONSUMER INTE DISCOVER FINANCIAL SERVI

760 MARKET STREET 10TH FLOOR 2500 LAKE COOK ROA
SAN FRANCISCO, CA 94102 RIVERWOODS, IL 60015
(844) 580-6816 (800) 347-2683

Requested On: 05/10/2019, 05/07/2019, 05/02/2019, 05/01/2019, 05/01/2019, Requested On: 05/09/2019, 04/19/2019, 04/16/2019, 04/10/2019, 04/09/2019,
04/30/2019, 04/26/2019, 04/25/2019, 04/24/2019, 04/19/2019, 04/17/2019, 04/06/2019, 03/27/2019, 03/16/2019, 03/11/2019, 03/09/2019, 02/16/2019,
04/15/2019, 04/13/2019, 04/10/2019, 04/08/2019, 04/04/2019, 04/01/2019, 02/14/2019, 02/09/2019, 02/08/2019, 01/16/2019, 01/10/2019, 01/09/2019,
03/25/2019, 03/18/2019, 03/11/2019, 03/04/2019, 02/25/2019, 02/18/2019, 12/19/2018, 12/16/2018, 12/09/2018, 11/22/2018, 11/16/2018, 11/09/2018,
02/11/2019, 02/04/2019, 01/28/2019, 01/21/2019, 01/14/2019, 01/07/2019, 11/02/2018, 10/16/2018, 10/10/2018, 10/09/2018, 09/16/2018, 09/09/2018,
01/02/2019, 12/27/2018, 12/17/2018, 12/10/2018, 12/04/2018, 11/26/2018, 08/23/2018, 08/16/2018, 08/10/2018, 08/09/2018, 08/09/2018, 08/01/2018,
11/19/2018, 11/13/2018, 11/05/2018, 10/29/2018, 10/22/2018, 10/15/2018, 07/29/2018, 07/28/2018, 07/25/2018, 07/16/2018, 07/15/2018, 07/12/2018,
10/08/2018, 10/01/2018, 09/24/2018, 09/17/2018, 09/10/2018, 09/07/2018, 07/09/2018, 06/16/2018, 06/09/2018, 06/01/2018, 05/25/2018, 05/16/2018
08/27/2018, 08/20/2018, 08/13/2018, 08/06/2018, 07/30/2018, 07/23/2018,
07/16/2018, 07/09/2018, 07/02/2018, 06/25/2018, 06/18/2018, 06/11/2018,
06/04/2018, 05/28/2018, 05/21/2018, 05/14/2018

CHRISTOPHER STEGER via KARMATRANSUNION CAPITAL MANAGEMENT SVCS

INTERACT 698 5 S OGDEN ST
100 CROSS STREET BUFFALO, NY 14206
SAN LUIS OBISPO, CA 93401 (716) 870-9050
(844) 580-6816
Requested On: 05/05/2019, 12/06/2017
Requested On: 05/06/2019
Permissible Purpose: CONSUMER REQUEST

CHRISTOPHER STEGER via TRANSUNION INTERACTIVE CUSTOMER 2007 via FACTORTRUST INCPROG FINA
100 CROSS STREET 202 11629 S 700 E
SAN LUIS OBISPO, CA 93401 DRAPER, UT 84020
(844) 580-6816 (801) 703-6642

Requested On: 05/04/2019 Requested On: 05/01/2019

Permissible Purpose: CONSUMER REQUEST Permissible Purpose: CREDIT TRANSACTION

PROG LEASING LLC 221702820 via CREDITWISE CAPONETUI

256 W DATA DRIVE 1680 CAPITAL ONE DRIVE
DRAPER, UT 84020 MCLEAN, VA 22102
(877) 898-1970 (877) 383-4802

Requested On: 05/01/2019, 03/09/2018 Requested On: 04/18/2019

Permissible Purpose: CREDIT MONITORING

BARCLAYS BANK DELAWARE PORTFOLIO RECOVERY ASSOCIATES

PO BOX 8803 140 CORPORATE BLVD
WILMINGTON, DE 19899 NORFOLK, VA 23502
(888) 232-0780 (844) 675-3407

Requested On: 04/18/2019, 04/09/2019, 03/10/2019, 02/17/2019, 12/18/2018, Requested On: 04/18/2019, 03/10/2019, 02/13/2019, 02/07/2019, 01/09/2019,
10/22/2018, 08/22/2018, 07/31/2018, 07/29/2018, 07/27/2018, 07/11/2018, 07/29/2018, 07/27/2018, 07/15/2018
07/10/2018

EQUIFAX CONSUMERTID GO MAPS

1550 PEACH TREE ST NW 95 FEDERAL ST
ATLANTA, GA 30309 SAN FRANCISCO, CA 94107
(770) 740-4728 (650) 842-0702

Page 19 of 28
Requested On: 02/13/2019, 02/07/2019, 01/24/2019, 01/09/2019, 12/21/2018, Requested On: 01/23/2019
11/21/2018, 11/01/2018, 09/25/2018, 08/31/2018, 08/22/2018, 07/31/2018, Permissible Purpose: INSURANCE UNDERWRITING
07/27/2018, 07/24/2018, 07/14/2018, 06/30/2018, 06/21/2018, 05/31/2018,
05/24/2018, 04/21/2018, 04/04/2018, 04/02/2018, 03/27/2018, 02/28/2018,
11/14/2017, 11/07/2017, 10/31/2017, 10/24/2017, 10/16/2017, 10/13/2017

CHECK INTO CASH SENTRY INSURANCE

201 KEITH ST SW STE 80 PO BOX 1080
CLEVELAND, TN 37311 FREEPORT, ID 61032
(423) 479-2400 (800) 334-0090

Requested On: 01/08/2019 Requested On: 01/03/2019

Permissible Purpose: INSURANCE UNDERWRITING

ELEPHANT INSURANCE LIBERTY MUTUAL

9950 MAYLAND DRIVE PO BOX 52102
SUITE 400 PHOENIX, AZ 85072
HENRICO, VA 23233 (617) 654-3741
(804) 955-1700
Requested On: 01/03/2019
Requested On: 01/03/2019 Permissible Purpose: INSURANCE UNDERWRITING
Permissible Purpose: INSURANCE UNDERWRITING

ELEPHANT INSURANCE TRAVELERS via TRAVELERS

9950 MAYLAND DRIVE CONSUMER DISCLOSURE
SUITE 400 P O BOX 59059
HENRICO, VA 23233 KNOXVILLE, TN 37950
(804) 955-1700 (800) 550-7717

Requested On: 01/03/2019, 12/03/2018 Requested On: 01/03/2019

Permissible Purpose: WRITTEN AUTHORIZATION Permissible Purpose: INSURANCE UNDERWRITING

ALLSTATE ISO via ROOT COMPANY

1819 ELECTRIC RD 34 W GAY ST
ROANOKE, VA 24018 COLUMBUS, OH 43215
(800) 255-7828 (614) 306-3837

Requested On: 01/03/2019 Requested On: 12/17/2018

Permissible Purpose: INSURANCE UNDERWRITING Permissible Purpose: INSURANCE UNDERWRITING

NORTHSTAR PRIM CRED CRDS GEICO

4285 GENESEE STREET ONE GEICO PLAZA
CHEEKTOWAGA, NY 14225 WASHINGTON, DC 20079
Phone number not available (800) 841-3000

Requested On: 12/06/2018 Requested On: 11/29/2018, 11/05/2018

Permissible Purpose: INSURANCE UNDERWRITING

METLIFE AUTO AND HOME ENHANCED RECOVERY COMPANY

PO BOX 48020 8014 BAYBERRY ROAD
DAYTON, OH 45475 JACKSONVILLE, FL 32256
(800) 438-6388 (800) 942-0015

Requested On: 10/05/2018 Requested On: 08/17/2018

Permissible Purpose: INSURANCE UNDERWRITING

CLIENT SERVICES INC via CLIENT SERVICES INC TRANSUNION INTERACTIVE IN

3451 HARRY S TRUMAN BLVD 100 CROSS ST
ST CHARLES, MO 63301 STE 202
(800) 521-3236 SAN LUIS OBISPO, CA 93401
(844) 580-6816
Requested On: 08/16/2018, 08/16/2018

Page 20 of 28
Permissible Purpose: COLLECTION Requested On: 08/08/2018

TU INTERACTIVE GETTINGTON
100 CROSS ST 6250 RIDGEWOOD ROA
202 SAINT CLOUD, MN 56303
SAN LUIS OBISPO, CA 93401 (866) 688-1091
(844) 580-6816
Requested On: 07/30/2018
Requested On: 08/08/2018

GMFINANCIAL ALLY FINANCIAL

801 CHERRY STREET PO BOX 380901
FORT WORTH, TX 76102 BLOOMINGTON, MN 55438
(817) 302-7000 (888) 925-2559

Requested On: 07/27/2018, 07/26/2018 Requested On: 07/27/2018, 07/27/2018, 07/26/2018

Permissible Purpose: INSURANCE UNDERWRITING

TRANSWORLD SYSTEMS INC TURO INC

507 PRUDENTIAL RD 667 MISSION STREET
HORSHAM, PA 19044 4TH FLOOR
(888) 446-4733 SAN FRANCISCO, CA 94105
(866) 735-2901
Requested On: 07/26/2018
Requested On: 07/24/2018
Permissible Purpose: INSURANCE UNDERWRITING

CAPITAL ONE WEBBANKLENDINGCLUB

PO BOX 30281 71 STEVENSON ST
SALT LAKE CITY, UT 84130 SUITE 1000
(800) 689-1789 SAN FRANCISCO, CA 94105
(888) 376-6642
Requested On: 07/13/2018, 03/26/2018
Requested On: 07/13/2018

VAN RU CREDIT CORPORATION FISERVCHECKFREE CORP

1350 E TOUHY AVE 6000 PERIMETER DR
SUITE 300 E DUBLIN, OH 43017
DES PLAINES, IL 60018 (877) 347-8346
(800) 468-2678
Requested On: 05/09/2018, 04/17/2018, 04/17/2018, 04/17/2018
Requested On: 06/06/2018

RADIUS GLOBAL SOLUTIONS GENFS CARD

7831 GLENROY RD PO BOX 4499
SUITE 145 BEAVERTON, OR 97076
EDINA, MN 55439 (866) 453-8636
(866) 720-0820
Requested On: 03/20/2018, 10/10/2017
Requested On: 04/03/2018

SW CREDIT SYSTEMS LP LENDINGPOINT LLC

4120 INTERNATIONAL PKWY 1301 SHILOH RD NW
SUITE 1100 SUITE 130
CARROLLTON, TX 75007 KENNESAW, GA 30144
(844) 551-7928 (713) 294-2940

Requested On: 02/05/2018 Requested On: 02/05/2018

NATIONAL GENERAL INS PERMANENT GENERAL

500 W 5TH ST 2636 ELM HILL PIKE

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WINSTON SALEM, NC 27101 NASHVILLE, TN 37214
(877) 468-3466 (800) 280-1466

Requested On: 12/13/2017 Requested On: 12/13/2017

Permissible Purpose: INSURANCE UNDERWRITING Permissible Purpose: INSURANCE UNDERWRITING

WINDHAVEN SELECT LLC DIVERSIFIED CONSULTANTS

5835 BLUE LAGOON DR 10550 DEERWOOD PK BLVD
SUITE 401 STE 309
MIAMI, FL 33126 JACKSONVILLE, FL 32256
(786) 709-4800 (800) 771-5361

Requested On: 12/11/2017 Requested On: 11/20/2017

Permissible Purpose: INSURANCE UNDERWRITING Permissible Purpose: COLLECTION

P1370659347E23800310 via CONSUMER INFOCOM ALLY FINANCIAL INC

18500 VON KARMEN AVE PO BOX 380901
900 BLOOMINGTON, MN 55438
IRVINE, CA 92612 (877) 247-2559
(877) 481-6826
Requested On: 10/17/2017, 10/17/2017, 10/07/2017, 10/05/2017
Requested On: 10/31/2017 Permissible Purpose: CONSUMER INITIATED TRANSACTION
Permissible Purpose: WRITTEN AUTHORIZATION

MABTTCI FIRST ACCESS MABTTCI TOTAL VISA

PO BOX 89028 PO BOX 89028
SIOUX FALLS, SD 57109 SIOUX FALLS, SD 57109
(877) 259-3755 (888) 257-1159

Requested On: 10/13/2017 Requested On: 10/10/2017

T-MOBILE FIRSTSOURCE ADVANTAGE LLC

12920 SE 38TH ST 205 BRYANT WOODS SOUTH
BELLEVUE, WA 98006 AMHERST, NY 14228
(800) 318-9270 (800) 486-9164

Requested On: 10/04/2017 Requested On: 09/26/2017

Permissible Purpose: AK SOCIAL SERVICE/WRITTEN AUTH/INVSTGT
FRAUD

JPMORGAN CHASE CO via BUSINESS INFORMATION GRP FINANCIAL REC SERVICES

1105 INDUSTRIAL HIGHWAY PO BOX 385908
SUITE 200 MINNEAPOLIS, MN 55438
SOUTHAMPTON, PA 18966 (877) 288-9426
(800) 260-1680
Requested On: 06/05/2017
Requested On: 09/12/2017
Permissible Purpose: CONSUMER INITIATED TRANSACTION

FRANKLIN COLLECTION
2978 W JACKSON ST
TUPELO, MS 38803
(662) 844-7776

Requested On: 05/23/2017

The following disclosure of information might pertain to you. This additional information may include Special Messages, Office of Foreign Assets Control ("OFAC") Potential Name

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 Matches, Inquiry Analysis, Military Lending Act ("MLA") Covered Borrower Information, and/or Third Party Supplemental Information. Authorized parties may also receive the additional
information below from TransUnion.

The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following
information.

SALLIE MAE BANK Identifying information they provided:

CHRISTOPHER STEGER
Requested On: 04/17/2019 6651 ARBOR FARM
SAN ANTONIO, TX 78239-3264
(210) 255-0809

Employer: CHARTER COMMUNICATIONS

REGIONAL ACCEPTANCE CORPO Identifying information they provided:

CHRISTOPH R. STEGER
Requested On: 03/09/2019 6651 ARBOR FARM
SAN ANTONIO, TX 78239-3264
(210) 255-0809

Employer: SPECTRUM

CHASE AUTO Identifying information they provided:

CHRISTOPHER R. STEGER
Requested On: 03/09/2019 6651 ARBOR FARM
SAN ANTONIO, TX 78239-3264

ENTERPRISE CAR SALES via NCCENTERPRISE CAR Identifying information they provided:
SALES CHRISTOPHER R. STEGER
6651 ARBOR FARM
Requested On: 03/09/2019 SAN ANTONIO, TX 78239-3264

In addition to the information maintained in the above credit report, TransUnion will occasionally contact a third party for supplemental information in connection with a particular
transaction in response to a request from a particular customer. Listed below is the supplemental data that TransUnion obtained from such third parties, as well as the name(s) of the
TransUnion customer for whom it was obtained.

CHECKING ACCOUNT AND DEMAND DEPOSIT ACCOUNT(DDA) ACTIVITY

Data Source: Chex Systems Inc. (7805 Hudson Road, Suite 100, Woodbury, MN 55125, (800) 513-7125)
Requested by: GMFINANCIAL
Requested on: 7/27/2018
Paid Checks in the Last 3 Years: 0
Open (Unpaid) Checks in the Last 3 Years: 1
Checking Account Closures in the Last Month: 0
Checking Account Closures in the Last 2 Months: 0
Checking Account Closures in the Last 3 Months: 0
Checking Account Closures in the Last Year: 0

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Checking Account Closures in the Last 2 Years: 1
Checking Account Closures in the Last 3 Years: 1
Average Number of Days Between Checking Account Closures: 0
DDA Closures in Last 180 Days: 0
DDA Closure in Last 5 Years: 1
Paid DDA Closures in Last 5 Years: 0
Unpaid DDA Closures in Last 2 Years: 1
Unpaid DDA Closures in Last 5 Years: 1
Unpaid DDA Closures in Last 4 Years: $0001227.23
Days Since Most Recent DDA Closure: 658
Days Since First DDA Closure: 658
Checking Account Inquiries in the Last Month: 1
Checking Account Inquiries in the Last 2 Months: 1
Checking Account Inquiries in the Last 3 Months: 1
Checking Account Inquiries in the Last 6 Months: 4
Checking Account Inquiries in the Last Year: 10
Checking Account Inquiries in the Last 2 Years: 13
DDA Inquiries in the Last 3 Years: 13
Total Days Since First Checking Account Inquiry: 708
Days Since Most Recent DDA Inquiry: 14
Credit Inquiries in the Last Year: 1
Credit Inquiries in the Last 3 Years: 14
Credit Issuance Inquiries in the Last Year: 0
Credit Issuance Inquiries in the Last 3 Years: 1
Payday Inquiries in the Last 3 Years: 7
Days Since First Credit Issuance Inquiry: 1041
Days Since Most Recent Inquiry by Payday Lender: 1032
DDA & Credit/Non-DDA Inquiries in Last 3 Years: 27
Open (Unpaid) NSFs in the Last Month: 0
Open (Unpaid) NSFs in the Last 2 Months: 0
Open (Unpaid) NSFs in the Last 3 Months: 0
Open (Unpaid) NSFs in the Last 6 Months: 0
Open (Unpaid) NSFs in the Last Year: 0
Open (Unpaid) NSFs in the Last 2 Years: 1
Open (Unpaid) NSFs in the Last Month: $0000000.00
Open (Unpaid) NSFs in the Last 2 Months: $0000000.00
Open (Unpaid) NSFs in the Last 3 Months: $0000000.00
Open (Unpaid) NSFs in the Last 6 Months: $0000000.00
Open (Unpaid) NSFs in the Last Year: $0000000.00
Open (Unpaid) NSFs in the Last 2 Years: $0000015.00
Open (Unpaid) NSFs in the Last 3 Years: $0000015.00
Paid NSFs in the Last Month: 0
Paid NSFs in the Last 2 Months: 0
Paid NSFs in the Last 3 Months: 0
Paid NSFs in the Last 6 Months: 0
Paid NSFs in the Last Year: 0
Paid NSFs in the Last 2 Years: 0
Paid NSFs in the Last Month: $0000000.00
Paid NSFs in the Last 2 Months: $0000000.00
Total Paid NSFs in the Last 3 Months: $0000000.00
Total Paid NSFs in the Last 6 Months: $0000000.00

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Total Paid NSFs in the Last Year: $0000000.00
Total Paid NSFs in the Last 2 Years: $0000000.00
Total Paid NSFs in the Last 3 Years: $0000000.00
Days Since Last Open (Unpaid) NSF: 484
Days Since Last Paid NSF: 0
Largest Opened (Unpaid) NSF Check: $0000015.00
Largest Paid NSF Check: $0000000.00
Minimum Days Taken to Pay an NSF: 0
Maximum Days Taken to Pay an NSF: 0

SUPPLEMENTAL CONSUMER CREDIT INFORMATION

Data Source: CoreLogic Inc. (1 CoreLogic Drive, Westlake, TX 76262, (866) 873-3651)
Requested by: MONEYLION INC
Requested on: 01/13/2019
Invalid SSN Indicator: 0
Presence of a Collections Skip: 0
Auto Finance Inquiries in the Last 7 Years: 006
Cash Advance Inquiries in the Last 7 Years: 000
Misc Financial Services in the Last 7 Years: 004
Rent-to-Own Inquiries in the Last 7 Years: 001
All Alternative Credit Inquiries in the Last 3 months: 001
All Alternative Credit Inquiries in the Last 6 Months: 007
All Alternative Credit Inquiries in the Last 24 Months: 007
All Alternative Credit Inquiries in the Last 7 Years: 011
All Paid Charge-offs in the Last 3 Months: 000
All Paid Charge-offs in the Last 24 Months: 000
All Paid Charge-offs in the Last 7 Years: 000
All Open Charge-offs in the Last 3 Months: 000
All Open Charge-offs in the Last 6 Months: 000
All Open Charge-offs in the Last 9 Months: 000
All Open Charge-offs in the Last 12 Months: 000
All Open Charge-offs in the Last 24 Months: 000
All Open Charge-offs in the Last 7 Years: 000

Should you wish to contact TransUnion, you may do so,

Online:
To report an inaccuracy, please visit: dispute.transunion.com
For answers to general questions, please visit: www.transunion.com

By Mail:
TransUnion Consumer Relations
P.O. Box 2000
Chester, PA 19016-2000
By Phone:
(800) 916-8800
You may contact us between the hours of 8:00 a.m. and 11:00 p.m. Eastern Time, Monday
through Friday, except major holidays.

For all correspondence, please have your TransUnion file number available
(located at the top of this report).

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Para informacion en espanol, visite www.consumerfinance.gov o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W. Washington,
DC 20552.

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. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell
information about check writing histories, medical records, and rental history records).For more information, including information about
additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W.,
Washington, DC 20552.
■ You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of
consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell
you, and must give you the name, address, and phone number of the agency that provided the information.
■ You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer
reporting agency (your 'file disclosure'). You will be required to provide proper identification, which may include your Social Security
Number. In many cases, the disclosure will be free. You are entitled to a free disclosure if:
■
a person has taken adverse action against you because of information in your credit report;
■
you are the victim of identity theft and place a fraud alert on your file;
■
your file contains inaccurate information as a result of fraud;
■
you are on public assistance;
■
you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and
from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for more additional information.
■
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information
from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in
residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information
for free from the mortgage lender.
■
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or
inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
■
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate,
incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency
may continue to report information it has verified as accurate.
■
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may
not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
■
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need
usually to consider an application with a creditor, insurer, employer, landlord or other business. The FCRA specifies those with a valid
need for access.
■
You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information
about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is
not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore.
■
You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited
"prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name

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 and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-567-8688
(888-5OPTOUT).
■
CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE. You have a right to place a "security freeze" on your credit
report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express
authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your
consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial
information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you
make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with
which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the
account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account
upgrades and enhancements.
■
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no
cost. An initial fraud alert is a 1-year alert that is placed on a consumer's credit file. Upon seeing a fraud alert display on a consumer's
credit file, a business is required to take steps to verify the consumer's identity before extending new credit. If you are a victim of
identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
■
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher
of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. You may also have
the right to file suit under state law.
■
Identity theft victims and active duty military personnel have additional rights. For more information, visit
www.consumerfinance.gov/learnmore.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights
under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For
information about your federal rights, contact:
TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of over $10 Bureau of Consumer Financial Protection
billion and their affiliates 1700 G Street NW
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit unions also Federal Trade Commission
should list, in addition to the CFPB: Consumer Response Center - FCRA
Washington, DC 20580 1-877-382-4357
2. To the extent not included in item 1 above: Office of the Comptroller of the Currency
a. National banks, federal savings associations, and federal branches and federal Customer Assistance Group
agencies of foreign banks 1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
b. State member banks, branches and agencies of foreign banks (other than federal Federal Reserve Consumer Help (FRCH)
branches, federal agencies, and insured state branches of foreign banks), PO Box 1200
commercial lending companies owned or controlled by foreign banks, and Minneapolis, MN 55480 1-888-851-1920
organizations operating under section 25 or 25A of the Federal Reserve Act
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and FDIC Consumer Response Center
Insured state savings associations 1100 Walnut Street, Box #11
Kansas City, MO 64106
d. Federal Credit Unions National Credit Union Administration
Office of Consumer Protection (OCP)
Division of Consumer Compliance and Outreach
(DCCO)
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Asst. General Counsel for Aviation Enforcement &
Proceedings
Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, S.E.
Washington, DC 20590 1-202-366-1306

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 4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Washington, DC 20423
5. Creditors subject to Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area
supervisor
6. Small Business Investment Companies Associate Deputy Administrator for Capital Access
United States Small Business Administration
409 Third Street, SW, 8th Floor
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission
100 F Street NE
Washington, DC 20549
8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Farm Credit Administration
Credit Banks, and Production Credit Associations 1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor
operates or
Federal Trade Commission: Consumer Response
Center-FCRA
Washington, DC 20580 1-877-382-4357

Information Regarding State Laws

Texas Residents
TEXAS BILLOF RIGHTS
As of September 1, 2003 you have the right to place a security alert in your consumer file, which will warn anyone who receives information in
your consumer file that your identity may have been used without your consent and that recipients of your consumer file information are
advised to verify your identity prior to issuing credit. The security alert may prevent credit, loans, and services from being approved in your
name without your consent. The security alert may delay or interfere with the timely approval of any subsequent request or application you
make that involves access to your credit information such as a new loan, credit, mortgage, insurance, rental housing, employment, investment,
license, cellular phone, utilities, digital signature, Internet credit card transaction, and an extension of credit at point of sale. The security alert
will remain on your consumer file for not less than 1 year after the date the security alert is placed on your file. You have the right to obtain a
free copy of your consumer file every 45 days while the security alert is in effect. A security alert may be requested by calling 800-680-7289 or
it may be requested in writing by sending a request to TransUnion Security Alert, Post Office Box 2000, Chester, PA 19016.
You have the following rights to file action in court or arbitrate disputes:
(1) An action to enforce an obligation of a consumer reporting agency to a consumer under the Texas Regulation of Consumer Credit
Reporting Agencies (Texas Business and Commerce Code Chapter 20) may be brought in court as provided by the FCRA, as amended, or, if
agreed to by both parties, may be submitted to binding arbitration after you have followed all dispute procedures in Section 20.06 and have
received the notice specified in Section 20.06(f) in the manner provided by the rules of the American Arbitration Association.
(2) A decision rendered by an arbitrator does not affect the validity of an obligation or debt owed by the consumer to any party.
(3) A prevailing party in an action or arbitration proceeding shall be compensated for the party's attorney fees and costs of the proceeding as
determined by the court or arbitration.
(4) A consumer may not submit to arbitration more than one action against a particular consumer reporting agency during any 120-day period.
(5) The results of an arbitration action brought against a consumer reporting agency doing business in Texas shall be communicated in a timely
manner to other consumer reporting agencies doing business in Texas.

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