Jesse Hammen Credit Report
Jesse Hammen Credit Report
Prepared For
                                                                                                                                      JESSE B HAMMEN
                                                                                                                                      Personal & Confidential
Personal Information
            Because your personal information is reported by you, your creditors, and other sources, it’s typical to see small variations in reported
            personal information, like names and addresses. For security reasons, many of these items can’t be disputed online, but don’t worry—they
            don’t affect your credit score.
Names
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9/1/2021                                                                     Annual Credit Report - Experian
Addresses
                2318 WINDING CV                     4233 SUNNY BROOK WAY                   1131 KERWOOD CIR         1125 KERWOOD CIR
                OVIEDO FL, 32765-6376               APT107                                 OVIEDO FL, 32765-6193    OVIEDO FL, 32765-6193
                                                    WINTER SPRINGS FL,
                Address ID #0553270571                                                     Address ID #0439655251   Address ID #0482627190
                                                    32708-6611
                Single family                                                              Single family            Single family
                                                    Address ID #0377697478
                                                    Apartment complex
                113 KERWOOD CIR                     16768 130TH N AVE                      2235 RIVER PARK CIR      2338 RIVER PARK CIR
                OVIEDO FL, 32765                    JUPITER FL, 33478-6012                 APT521                   APT1812
                                                                                           ORLANDO FL, 32817-4846   ORLANDO FL, 32817-5500
                Address ID #0467503245              Address ID #0074754104
                Single family                       Single family                          Address ID #0070179436   Address ID #0070179112
                                                                                           Apartment complex        Apartment complex
XXX-XX-3940
Year of Birth
1975
https://usa.experian.com/acr/printReport?type=CDI                                                                                            2/60
9/1/2021                                                         Annual Credit Report - Experian
Phone Numbers
Spouse or Co-Applicant
HEATHER
Employers
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9/1/2021                                                                       Annual Credit Report - Experian
Notices
            Accounts
            Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors.
AMERICAN EXPRESS
             Account Info
                     Account Name                                                         AMERICAN EXPRESS
Responsibility Individual
Balance $5,431
Recent Payment $0
Monthly Payment $0
Credit Limit -
Terms 1 Months
https://usa.experian.com/acr/printReport?type=CDI                                                                                                     4/60
9/1/2021                                                              Annual Credit Report - Experian
             Payment History
                            J              F        M       A     M      J              J               A   S   O   N      D
2021 — — — —
2020
2019
2018
2017
2016
2015
2014 — — — — — — — —
                     Current on
                     payments
             Balance Histories
                       Date                             Balance          Scheduled Payment                          Paid
https://usa.experian.com/acr/printReport?type=CDI                                                                              5/60
9/1/2021                                                                             Annual Credit Report - Experian
                     Additional info
                     Between Sep 2019 and Jul 2021, your credit limit/high balance was $8,908
https://usa.experian.com/acr/printReport?type=CDI                                                                             6/60
9/1/2021                                                        Annual Credit Report - Experian
             Contact Info
                     Address                                               PO BOX 981537,
                                                                           EL PASO TX 79998
BANK OF AMERICA
             Account Info
                     Account Name                                          BANK OF AMERICA
Responsibility Individual
Balance $0
Recent Payment $0
Monthly Payment $0
Terms NA
             Payment History
                              J            F        M   A   M      J                J             A   S   O   N   D
2021 — — — —
             2020
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9/1/2021                                                                Annual Credit Report - Experian
             2020
2019
2018
2017
2016 — — — — — —
                     Current on
                     payments
             Balance Histories
                       Date                         Balance       Scheduled Payment                       Paid
https://usa.experian.com/acr/printReport?type=CDI                                                                           8/60
9/1/2021                                                                             Annual Credit Report - Experian
                     Additional info
                     Between Sep 2019 and Jul 2021, your credit limit/high balance was $6,000
             Contact Info
                     Address                                                                    PO BOX 982238,
                                                                                                EL PASO TX 79998
BANK OF AMERICA
https://usa.experian.com/acr/printReport?type=CDI                                                                                       9/60
9/1/2021                                                        Annual Credit Report - Experian
             Account Info
                     Account Name                                          BANK OF AMERICA
Responsibility Individual
Balance $0
Recent Payment $0
Monthly Payment $0
Terms NA
             Payment History
                              J            F        M   A   M      J              J               A   S   O   N   D
2021 — — — —
2020
2019
2018
2017
2016
2015
2014 — — — — — — — —
                     Current on
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9/1/2021                                                            Annual Credit Report - Experian
                     Current on
                     payments
             Balance Histories
                       Date                         Balance   Scheduled Payment                       Paid
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9/1/2021                                                                             Annual Credit Report - Experian
                     Additional info
                     Between Sep 2019 and Jul 2021, your credit limit/high balance was $8,300
             Contact Info
                     Address                                                                    PO BOX 982238,
                                                                                                EL PASO TX 79998
BANK OF AMERICA
             Account Info
                     Account Name                                                               BANK OF AMERICA
Responsibility Individual
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9/1/2021                                                                Annual Credit Report - Experian
                     Date Opened                                                   04/12/2021
Balance $7,178
Recent Payment $0
Terms NA
             Payment History
                              J            F        M         A   M        J              J               A   S          O         N   D
2021 — — — — — — —
                     Current on
                     payments
             Balance Histories
                       Date                         Balance       Scheduled Payment                               Paid
Apr 2021 $0 $0 $0
Additional info
https://usa.experian.com/acr/printReport?type=CDI                                                                                          13/60
9/1/2021                                                                             Annual Credit Report - Experian
                     Between Apr 2021 and Jul 2021, your credit limit/high balance was $8,000
             Contact Info
                     Address                                                                    PO BOX 982238,
                                                                                                EL PASO TX 79998
             Account Info
                     Account Name                                                               BARCLAYS BANK DELAWARE
Responsibility Individual
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Terms NA
             Payment History
https://usa.experian.com/acr/printReport?type=CDI                                                                          14/60
9/1/2021                                                                   Annual Credit Report - Experian
                            J             F               M        A   M     J             J                 A    S    O   N   D
2014 CLS — — —
2013 — — — — — — —
                     Current on
                                                    CLS   Closed
                     payments
             Contact Info
                     Address                                                          PO BOX 8803,
                                                                                      WILMINGTON DE 19899
             Comment
                     Current:
Previous:
None
             Account Info
                     Account Name                                                     BARCLAYS BANK DELAWARE
Responsibility Individual
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9/1/2021                                                                   Annual Credit Report - Experian
                     Status                                                           Paid, Closed/Never late.
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Terms NA
             Payment History
                              J             F                M     A   M        J              J             A   S   O   N   D
2018 CLS — — — — — — — — — —
2017 — — — — — — — — — — —
                     Current on
                                                    CLS   Closed
                     payments
             Contact Info
                     Address                                                          PO BOX 8803,
                                                                                      WILMINGTON DE 19899
             Comment
                     Current:
                             i
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9/1/2021                                                        Annual Credit Report - Experian
                     Previous:
None
CAP ONE
             Account Info
                     Account Name                                          CAP ONE
Responsibility Individual
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Terms NA
             Payment History
                               J              F     M   A   M      J             J                A   S   O   N     D
             2016
https://usa.experian.com/acr/printReport?type=CDI                                                                         17/60
9/1/2021                                                                   Annual Credit Report - Experian
             2016
2015
2014 — — — — — — — —
                     Current on
                                                    CLS   Closed
                     payments
             Contact Info
                     Address                                                          PO BOX 31293,
                                                                                      SALT LAKE CITY UT 84131
             Comment
                     Current:
Previous:
None
CARMAX
             Account Info
                     Account Name                                                     CARMAX
Responsibility Individual
https://usa.experian.com/acr/printReport?type=CDI                                                                18/60
9/1/2021                                                                   Annual Credit Report - Experian
                     Status Updated                                                   Nov 2013
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Highest Balance $0
Terms 60 Months
             Payment History
                             J             F              M        A   M     J             J                 A     S   O   N     D
2013 CLS —
2012
2011 — —
                     Current on
                                                    CLS   Closed
                     payments
             Contact Info
                     Address                                                          12800 TUCKAHOE CREEK PKWY,
                                                                                      RICHMOND VA 23238
CITI CARDS/CITIBANK
                     Account Info
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9/1/2021                                                              Annual Credit Report - Experian
Responsibility Individual
Balance $4
Recent Payment $0
Monthly Payment $4
Highest Balance $4
Terms NA
             Payment History
                              J            F        M         A   M      J                J             A   S   O   N      D
2021 — — — — — — — — — —
                     Current on
                     payments
             Balance Histories
                       Date                             Balance        Scheduled Payment                            Paid
Jul 2021 $0 $0 $0
Additional info
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9/1/2021                                                                        Annual Credit Report - Experian
                     As of Jul 2021 your credit limit/high balance was $6,700
             Contact Info
                     Address                                                               PO BOX 6241,
                                                                                           SIOUX FALLS SD 57117
CITI CARDS/CITIBANK
             Account Info
                     Account Name                                                          CITI CARDS/CITIBANK
Responsibility Individual
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Highest Balance $0
Terms NA
             Payment History
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9/1/2021                                                                   Annual Credit Report - Experian
                               J             F               M     A   M        J             J              A   S   O   N   D
2017 CLS — — — — — — — — — — —
2016 — — — — — — — — —
                     Current on
                                                    CLS   Closed
                     payments
             Contact Info
                     Address                                                          PO BOX 6241,
                                                                                      SIOUX FALLS SD 57117
             Comment
                     Current:
Previous:
None
                CITI CARDS/CITIBANK
                Potentially Negative
             Account Info
                     Account Name                                                     CITI CARDS/CITIBANK
Responsibility Individual
https://usa.experian.com/acr/printReport?type=CDI                                                                                22/60
9/1/2021                                                                               Annual Credit Report - Experian
                     Status                                                                       Paid, Closed.
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Terms NA
             Payment History
                              J           F              M          A       M              J           J             A   S   O    N   D
2016 — — — — — 30 CLS
                     Current on
                                                    30   30 Days Past Due   CLS   Closed
                     payments
                Payment history guide
                30 days past due as of Oct 2016
             Contact Info
                     Address                                                                      PO BOX 6241,
                                                                                                  SIOUX FALLS SD 57117
             Comment
                     Current:
                     P        i
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9/1/2021                                                          Annual Credit Report - Experian
                     Previous:
None
             Account Info
                     Account Name                                            CMG MORTGAGE INC
Responsibility Individual
Balance $302,712
Recent Payment $0
Highest Balance $0
Terms 30 Years
             Payment History
                              J            F          M   A   M      J              J               A   S   O   N   D
2021 — — — — — — — — —
                     Current on
https://usa.experian.com/acr/printReport?type=CDI                                                                       24/60
9/1/2021                                                                         Annual Credit Report - Experian
                     Current on
                     payments
             Balance Histories
                       Date                         Balance             Scheduled Payment                            Paid
                     Additional info
                     The original amount of this account was $303,200
             Contact Info
                     Address                                                                PO BOX 77404,
                                                                                            EWING NJ 08628
COMENITYCAPITAL/ACADMY
             Account Info
                     Account Name                                                           COMENITYCAPITAL/ACADMY
Responsibility Individual
Balance $20
Terms NA
             Payment History
                             J             F        M         A   M          J                J             A    S         O       N   D
2021 — — — —
2020 — — — — — —
                     Current on
                     payments
             Balance Histories
                       Date                         Balance       Scheduled Payment                             Paid
https://usa.experian.com/acr/printReport?type=CDI                                                                                          26/60
9/1/2021                                                                             Annual Credit Report - Experian
                     Additional info
                     Between Jul 2020 and Jul 2021, your credit limit/high balance was $1,200
             Contact Info
                     Address                                                                    PO BOX 182120,
                                                                                                COLUMBUS OH 43218
             Account Info
                     Account Name                                                               CREDIT FIRST NA/ FIRESTONE
Responsibility Individual
                     B l
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9/1/2021                                                                     Annual Credit Report - Experian
                     Balance                                                            -
Balance Updated -
Recent Payment -
Monthly Payment $0
Terms NA
             Payment History
                             J            F               M        A     M        J              J             A   S   O   N   D
2018 — — — CLS — — — — — — — —
2017 — — — — — — — — — — — —
2016 — — — — — — — — — — — —
2015 — — — — — — — — — — — —
2014 — — — — — — — — — — —
2013 — — — — — — — — — —
                     Current on
                                                    CLS   Closed
                     payments
             Contact Info
                     Address                                                            PO BOX 81083,
                                                                                        CLEVELAND OH 44181
             Comment
https://usa.experian.com/acr/printReport?type=CDI                                                                                  28/60
9/1/2021                                            Annual Credit Report - Experian
Current:
Previous:
None
             Account Info
                     Account Name                              DISCOVER FINANCIAL SERVICES
Responsibility Individual
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Terms NA
             Payment History
https://usa.experian.com/acr/printReport?type=CDI                                            29/60
9/1/2021                                                                   Annual Credit Report - Experian
J F M A M J J A S O N D
2017 CLS — — — — —
2016
2015
2014
2013
2012
2011
2010 — — — — — — —
                     Current on
                                                    CLS   Closed
                     payments
             Contact Info
                     Address                                                          PO BOX 15316,
                                                                                      WILMINGTON DE 19850
JPMCB CARD
             Account Info
                     Account Name                                                     JPMCB CARD
Responsibility Individual
https://usa.experian.com/acr/printReport?type=CDI                                                                                30/60
9/1/2021                                                                           Annual Credit Report - Experian
                     Status Updated                                                           Oct 2020
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Terms NA
             Payment History
                             J            F               M          A   M           J             J                 A   S          O     N   D
2020 CLS — —
2019
2018
2017
2016
2015
2014
2013 — — — — — — — — — —
                     Current on
                                                    CLS   Closed
                     payments
             Balance Histories
                       Date                                Balance           Scheduled Payment                               Paid
https://usa.experian.com/acr/printReport?type=CDI                                                                                                 31/60
9/1/2021                                                                            Annual Credit Report - Experian
                     Additional info
                     Between Sep 2019 and Sep 2020, your credit limit/high balance was $16,500
             Contact Info
                     Address                                                                     PO BOX 15369,
                                                                                                 WILMINGTON DE 19850
https://usa.experian.com/acr/printReport?type=CDI                                                                                        32/60
9/1/2021                                                                   Annual Credit Report - Experian
             Comment
                     Current:
Previous:
None
JPMCB CARD
             Account Info
                     Account Name                                                     JPMCB CARD
Responsibility Individual
Balance $0
Recent Payment $0
Monthly Payment $0
Terms NA
             Payment History
                              J            F               M       A   M      J              J               A   S   O   N   D
https://usa.experian.com/acr/printReport?type=CDI                                                                                33/60
9/1/2021                                                                Annual Credit Report - Experian
                            J              F        M         A   M        J              J               A   S           O         N   D
2021 — — — —
2020
2019
2018
2017
2016 — — — — —
                     Current on
                     payments
             Balance Histories
                       Date                         Balance       Scheduled Payment                               Paid
https://usa.experian.com/acr/printReport?type=CDI                                                                                           34/60
9/1/2021                                                                             Annual Credit Report - Experian
                     Additional info
                     Between Sep 2019 and Jul 2021, your credit limit/high balance was $6,200
             Contact Info
                     Address                                                                    PO BOX 15369,
                                                                                                WILMINGTON DE 19850
https://usa.experian.com/acr/printReport?type=CDI                                                                                        35/60
9/1/2021                                                          Annual Credit Report - Experian
JPMCB HOME
             Account Info
                     Account Name                                            JPMCB HOME
Responsibility Individual
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Highest Balance $0
Terms 25 Years
             Payment History
                              J           F           M   A   M    J              J                 A          S   O   N   D
2013 CLS — — — —
2012
2011 — —
2010 —
             2009
https://usa.experian.com/acr/printReport?type=CDI                                                                              36/60
9/1/2021                                                           Annual Credit Report - Experian
2008 —
                     Current on
                                                    CLS   Closed
                     payments
             Contact Info
                     Address                                                  700 KANSAS LN,
                                                                              MONROE LA 71203
             Comment
                     Current:
Previous:
None
JPMCB HOME
             Account Info
                     Account Name                                             JPMCB HOME
Responsibility Individual
Balance -
https://usa.experian.com/acr/printReport?type=CDI                                                        37/60
9/1/2021                                                                   Annual Credit Report - Experian
                     Balance Updated                                                  -
Recent Payment -
Monthly Payment $0
Terms NA
             Payment History
                             J            F               M        A   M    J              J                 A   S   O   N   D
2018 CLS — — — —
2017 — —
2016
2015
2014
2013
2012
2011 — — — — — — — —
                     Current on
                                                    CLS   Closed
                     payments
             Contact Info
                     Address                                                          700 KANSAS LN,
                                                                                      MONROE LA 71203
https://usa.experian.com/acr/printReport?type=CDI                                                                                38/60
9/1/2021                                                                     Annual Credit Report - Experian
LOANCARE
             Account Info
                     Account Name                                                       LOANCARE
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Highest Balance $0
Terms 30 Years
             Payment History
                              J           F               M        A   M          J             J              A    S   O   N   D
2021 CLS — — — — — — —
2020 —
2019
2018 — — — — — — — — —
                     Current on
                                                    CLS   Closed
                     payments
https://usa.experian.com/acr/printReport?type=CDI                                                                                   39/60
9/1/2021                                                                Annual Credit Report - Experian
             Balance Histories
                       Date                         Balance    Scheduled Payment                          Paid
https://usa.experian.com/acr/printReport?type=CDI                                                                               40/60
9/1/2021                                                                         Annual Credit Report - Experian
                     Additional info
                     The original amount of this account was $298,381
             Contact Info
                     Address                                                                3637 SENTARA WAY,
                                                                                            VIRGINIA BEACH VA 23452
             Account Info
                     Account Name                                                           OCWEN LOAN SERVICING
Responsibility Individual
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
https://usa.experian.com/acr/printReport?type=CDI                                                                                                   41/60
9/1/2021                                                                   Annual Credit Report - Experian
                     Original Balance                                                 $175,000
Highest Balance $0
Terms 25 Years
             Payment History
                             J            F               M        A   M    J              J                 A        S    O   N   D
2014 CLS — — —
2013 — — — — — — — —
                     Current on
                                                    CLS   Closed
                     payments
             Contact Info
                     Address                                                          1661 WORTHINGTON RD STE 100,
                                                                                      WEST PALM BEACH FL 33409
             Comment
                     Current:
Previous:
None
https://usa.experian.com/acr/printReport?type=CDI                                                                                      42/60
9/1/2021                                                                   Annual Credit Report - Experian
             Account Info
                     Account Name                                                     SELECT PORTFOLIO SERVICING
Responsibility Individual
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Highest Balance $0
Terms 25 Years
             Payment History
                              J           F               M        A   M    J              J                 A      S    O   N   D
2018 CLS — — —
2017
2016
2015
2014 — — — — — — — — — —
                     Current on
                                                    CLS   Closed
                     payments
https://usa.experian.com/acr/printReport?type=CDI                                                                                    43/60
9/1/2021                                            Annual Credit Report - Experian
             Contact Info
                     Address                                   3217 S DECKER LAKE DR,
                                                               WEST VALLEY CITY UT 84119
             Comment
                     Current:
Loan Modified
Previous:
None
SYNCB/AMAZON
             Account Info
                     Account Name                              SYNCB/AMAZON
Responsibility Individual
Balance $0
Recent Payment $0
Monthly Payment $0
https://usa.experian.com/acr/printReport?type=CDI                                          44/60
9/1/2021                                                                  Annual Credit Report - Experian
                     Terms                                                           NA
             Payment History
                             J             F        M         A   M          J              J               A    S         O       N   D
2021 — — — —
2020
2019 — — — — — — — — — —
                     Current on
                     payments
             Balance Histories
                       Date                         Balance       Scheduled Payment                             Paid
https://usa.experian.com/acr/printReport?type=CDI                                                                                          45/60
9/1/2021                                                                             Annual Credit Report - Experian
                     Additional info
                     Between Dec 2019 and Jul 2021, your credit limit/high balance was $1,700
             Contact Info
                     Address                                                                    PO BOX 965015,
                                                                                                ORLANDO FL 32896
            Public Records
https://usa.experian.com/acr/printReport?type=CDI                                                                                          46/60
9/1/2021                                                                       Annual Credit Report - Experian
            Information gathered from courts or other government agencies about legal matters associated with you. The most common Public Records
            are bankruptcies, tax liens, and monetary judgments.
            Hard Inquiries
            Hard inquiries are requests for your consumer information based on an action or process initiated by you generally related to a credit or other
            monetary obligation, such as when you apply for credit, rental property, or utility service, or default on a loan causing it to be sent to a
            collection agency. Hard inquiries are displayed to companies that receive your consumer report and may stay on your report at least two
            years.
https://usa.experian.com/acr/printReport?type=CDI                                                                                                             47/60
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https://usa.experian.com/acr/printReport?type=CDI                                                                                                                 48/60
9/1/2021                                                                       Annual Credit Report - Experian
                record until Aug 2022.              CAPITAL. This inquiry is
                                                    scheduled to continue on
                                                    record until Jul 2022.
            Soft Inquiries
            Soft inquiries are generally initiated by others, like companies making promotional offers or lenders periodically reviewing your existing credit
            accounts. Soft inquiries also include checking your own credit report or using credit monitoring services, and have no impact on your credit.
https://usa.experian.com/acr/printReport?type=CDI                                                                                                               49/60
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                                                                                           PO BOX 30281,
                                                                                           SALT LAKE CITY UT
                                                                                           84130
                                                                                           (804) 967-1000
                                                                                                                     MC LEAN VA 22102
                                                                                                                     (703) 903-2000
https://usa.experian.com/acr/printReport?type=CDI                                                                                             52/60
9/1/2021                                                                     Annual Credit Report - Experian
8250 JONES BRANCH DR 251 S WHITE HORSE PO BOX 15298, PO BOX 982238,
                # MSA23,                            PIKE, 
                                WILMINGTON DE 19850      EL PASO TX 79998
                MC LEAN VA 22102                    AUDUBON NJ 08106                       (800) 432-3117           (800) 421-2110
                (800) 373-3343
Important Messages
            Medical Information
            By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Although we do not
            generally collect such information, it could appear in the name of a data furnisher (i.e., "Cancer Center") that reports your payment history to
            us. If so, those names display on your report, but on reports to others they display only as "MEDICAL PAYMENT DATA." Consumer statements
            included on your report at your request that contain medical information are disclosed to others.
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Contact Experian
            Online                                                                       Phone
            Visit Experian.com/dispute to dispute any inaccurate information,            Monday - Friday
            or click the dispute link next to the item. For FAQs and online access       9am to 5pm
            to your Experian Credit Report, Fraud Alerts, and Security Freezes,          (855) 414-6047
            visit Experian.com/help
            Mail
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            PO Box 9701
            Allen, TX 75013
            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.
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            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 file 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 in 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 additional information.
            You have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness 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 and address from the
            lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1 888 5OPTOUT (1 888 567 8688).
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            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.
            Identity theft victims and active duty military personnel have additional rights. For more Information, visit
            www.consumerfinance.gov/learnmore.
            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.
            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.
            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.
            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 more
            information about your federal rights, contact:
                1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and            a. Bureau of Consumer Financial
                their affiliates.                                                                                        Protection
                                                                                                                         1700 G Street NW
                b. Such affiliates that are not banks, savings associations, or credit unions also should list in        Washington, DC 20552
                addition to the Bureau:
                                                                                                                         b. Federal Trade Commission:
                                                                                                                         Consumer Response Center – FCRA
                                                                                                                         Washington, DC 20580
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(877) 382-4357
                2. To the extent not included in item 1 above:                                                  a. Office of the Comptroller of the
                                                                                                                Currency
                a. National banks, federal savings associations, and federal branches and federal agencies of   Customer Assistance Group
                foreign banks                                                                                   1301 McKinney Street, Suite 3450
                                                                                                                Houston, TX 77010-9050
                b. State member banks, branches and agencies of foreign banks (other than federal
                branches, federal agencies, and insured state branches of foreign banks), commercial lending    b. Federal Reserve Consumer Help
                companies owned or controlled by foreign banks, and organizations operating under section       Center
                25 or 25A of the Federal Reserve Act                                                            PO Box 1200
                                                                                                                Minneapolis, MN 55480
                c. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state
                savings associations                                                                            c. FDIC Consumer Response Center
                                                                                                                1100 Walnut Street, Box #11
                d. Federal Credit Unions                                                                        Kansas City, MO 64106
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                5. Creditors Subject to Packers and Stockyards Act                                            Nearest Packers and Stockyards
                                                                                                              Administration area supervisor
                8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks,     Farm Credit Administration
                and Production Credit Associations                                                            1501 Farm Credit Drive
                                                                                                              McLean, VA 22102-5090
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                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
                                                                                                                (877) 382-4357
            Notification of Rights
                     Notification of Rights for California Consumers
                     Notification of Rights for Colorado Consumers
                     Notification of Rights for Connecticut Consumers
                     Notification of Rights for Maryland Consumers
                     Notification of Rights for Massachusetts Consumers
                     Notification of Rights for Texas Consumers
                     Notification of Rights for Vermont Consumers
                     Notification of Rights for Washington Consumers
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