Prepared For

FREDA BAUER
Personal & Confidential

Date Generated
Apr 27, 2023
Report Number
2682-6416-49

At a
Glance 17 Accounts 0 Public Records 1 Hard Inquiries

Personal Information

7 Names 7 Addresses 3 Employers 3 Other Records

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

FREDA BAUER FREDA C ALFREDA ALFREDA C

BAUER BAUER BAUER
Name ID
#30430 Name ID Name ID Name ID
#9055 #10825 #26736

FREDIA C FREDA FREDA C

BAUER BOWER BUAER
Name ID Name ID #3 Name ID
#17132 #1039
Addresses

411 W MAPLE 411 MAPLE 2072 N STATE 2072 N STATE

ST ST HIGH WAY HIGHWAY 109
PARIS AR, PARIS AR, 109 MAGAZINE
72855-4741 72855 PARIS AR, AR, 72943-
72855 8581
Address ID Address ID
#0135860928 #0135858737 Address ID Address ID
Single family Single family #0753810261 #0253399340
Single family Single family

PO BOX 182 4 CALVERT E 306 E WAHL

SUBIACO AR, AVE ST
72865-0182 EDISON NJ, PARIS AR,
08820-3262 72855-4816
Address ID
#0346702484 Address ID Address ID
Post office #0833034039 #0135860942
box Single family Single family

Year of Birth

1957
 Phone Numbers

(479) 438-9230 (479) 963-3046

Cellular Residential

Employers

STARK CLOYES GEAR AND STARR MFG

MANUFACTORING LLC PRODUCT

Accounts
Includes credit cards, real estate loans and installment loans. This information is reported to
the credit bureaus from your creditors.

ADS/COMENITY/STAGE

 Account Info
Account Name ADS/COMENITY/STAGE Balance $370

Account Number 585637XXXXXXXXXX Balance Updated 04/16/2023

Account Type Charge Card Recent Payment $40 as of 4/11/2023

Responsibility Individual Monthly Payment $40

Date Opened 12/09/2018 Credit Limit $1,000

 Status Closed/Never late. Highest Balance $988

Status Updated Dec 2022 Terms NA

On Record Until Apr 2033

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 CLS CLS CLS CLS — — — — — — — —

2022 CLS CLS CLS CLS CLS       CLS

2021    CLS CLS CLS CLS CLS CLS CLS CLS CLS

2020            

2019            

2018 — — — — — — — — — —  

 Current / Terms met

CLS Closed

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $400 $40 $29 on 3/12/2023

Feb 2023 $390 $29 $40 on 2/8/2023

Jan 2023 $421 $40 $40 on 1/8/2023

Dec 2022 $449 $40 $40 on

12/11/2022

Jun 2022 $571 $40 $71 on 5/31/2022

May 2022 $629 $31 $0 on 4/13/2022

Apr 2022 $576 $40 $40 on 4/13/2022

Mar 2022 $563 $40 $40 on 3/11/2022

Feb 2022 $589 $40 $135 on 2/3/2022

Jan 2022 $711 $36 $0 on 1/18/2022

 Scheduled
Date Balance Payment Paid

Dec 2021 $667 $33 $34 on

12/10/2021

Nov 2021 $685 $34 $35 on 11/9/2021

Oct 2021 $704 $35 $40 on 9/29/2021

Sep 2021 $728 $40 $40 on 9/1/2021

Aug 2021 $752 $40 $40 on 8/1/2021

Jul 2021 $774 $40 $40 on 7/5/2021

Jun 2021 $796 $40 $41 on 6/11/2021

May 2021 $819 $41 $42 on 5/8/2021

Apr 2021 $842 $42 $41 on 4/14/2021

Additional info
Between Apr 2021 and Mar 2023, your credit limit/high balance was $1,000

 Contact Info
Address PO BOX 182789,
COLUMBUS OH 43218

 Comment
Current:

Account closed at credit grantor's request.

Previous:

Account closed at credit grantor's request.

Dec 2022 to Mar 2023

AVANT
 Account Info
Account Name AVANT Balance NA

Account Number 284XXXX Balance Updated

Account Type Unsecured Recent Payment -

Responsibility Individual Monthly Payment NA

Date Opened 03/23/2018 Original Balance $3,000

Status Paid, Closed/Never late. Highest Balance NA

Status Updated Mar 2020 Terms 24 Months

On Record Until Mar 2030

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020   CLS — — — — — — — — —

2019            

2018 — — —         

 Current / Terms met

CLS Closed

 Contact Info
Address 222 W MERCHANDISE MART
PLZ 900,
CHICAGO IL 60654

Phone Number (800) 712-5407

BARCLAYS BANK DELAWARE

 Account Info
Account Name BARCLAYS BANK Balance $1,325
DELAWARE
Balance Updated 04/12/2023
Account Number 000360XXXXXXXXX
Recent Payment $117 as of 3/19/2023
Account Type Credit Card
Monthly Payment $72
Responsibility Individual
Credit Limit $1,400
Date Opened 09/14/2021
 Status Open/Never late. Highest Balance $1,408

Status Updated Apr 2023 Terms NA

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022            

2021 — — — — — — — —    

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $1,408 $45 $0 on 2/8/2023

Feb 2023 $1,270 $45 $45 on 2/8/2023

Jan 2023 $1,283 $44 $44 on 1/8/2023

Dec 2022 $1,294 $45 $45 on 12/8/2022

Nov 2022 $1,307 $44 $44 on 11/8/2022

Oct 2022 $1,319 $44 $45 on 10/2/2022

Sep 2022 $1,333 $42 $42 on 9/4/2022

Aug 2022 $1,263 $41 $50 on 7/30/2022

Jul 2022 $1,283 $42 $42 on 7/7/2022

Jun 2022 $1,296 $38 $40 on 6/5/2022

May 2022 $1,306 $34 $40 on 5/5/2022

Apr 2022 $1,127 $31 $40 on 4/1/2022

Mar 2022 $1,066 $59 $60 on 3/1/2022

Feb 2022 $1,005 $29 $29 on 2/10/2022

Jan 2022 $886 $29 $29 on 1/1/2022

 Scheduled
Date Balance Payment Paid

Dec 2021 $374 $29 $50 on

11/28/2021

Nov 2021 $80 $23 $23 on 11/9/2021

Oct 2021 $23 $0 $0

Sep 2021 $0 $0 $0

Additional info
Between Sep 2021 and Mar 2023, your credit limit/high balance was $1,400

 Contact Info
Address PO BOX 8803,
WILMINGTON DE 19899

Phone Number (888) 232-0780

BEST EGG

 Account Info
Account Name BEST EGG Balance $4,403

Account Number 4417XXXX Balance Updated 03/31/2023

Account Type Unsecured Recent Payment $291 as of 3/22/2023

Responsibility Individual Monthly Payment $291

Date Opened 09/23/2021 Original Balance $7,500

Status Open/Never late. Highest Balance NA

Status Updated Mar 2023 Terms 36 Months

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023    — — — — — — — — —

2022            

2021 — — — — — — — —    
  Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Feb 2023 $4,604 $291 $291 on

2/22/2023

Jan 2023 $4,811 $291 $291 on

1/22/2023

Dec 2022 $5,005 $291 $291 on

12/22/2022

Nov 2022 $5,196 $291 $291 on

11/22/2022

Oct 2022 $5,386 $291 $291 on

10/22/2022

Sep 2022 $5,569 $291 $291 on

9/22/2022

Aug 2022 $5,752 $291 $291 on

8/22/2022

Jul 2022 $5,928 $291 $291 on

7/22/2022

Jun 2022 $6,101 $291 $291 on

6/24/2022

May 2022 $6,274 $291 $581 on

5/24/2022

Apr 2022 $6,437 $291 $291 on

4/29/2022

Mar 2022 $6,604 $291 $291 on

3/22/2022

Feb 2022 $6,763 $291 $291 on

2/22/2022

Jan 2022 $6,933 $291 $291 on

1/22/2022
 Scheduled
Date Balance Payment Paid

Dec 2021 $7,086 $291 $291 on

12/22/2021

Nov 2021 $7,237 $291 $291 on

11/22/2021

Oct 2021 $7,389 $291 $291 on

10/22/2021

Sep 2021 $7,534 $291 $0

Additional info
The original amount of this account was $7,500

 Contact Info
Address PO BOX 42912,
PHILADELPHIA PA 19101

Phone Number (855) 282-6353

CCS/BRYANT STATE BANK

 Account Info
Account Name CCS/BRYANT STATE BANK Balance $1,586

Account Number 521044XXXXXXXXXX Balance Updated 04/12/2023

Account Type Credit card Recent Payment $65 as of 4/5/2023

Responsibility Individual Monthly Payment $64

Date Opened 12/07/2016 Credit Limit $1,750

Status Open/Never late. Highest Balance $1,766

Status Updated Apr 2023 Terms NA

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022            
 2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — — — — — 

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $1,615 $65 $66 on 3/6/2023

Feb 2023 $1,645 $66 $68 on 2/6/2023

Jan 2023 $1,677 $68 $78 on 1/2/2023

Dec 2022 $1,669 $78 $68 on 12/8/2022

Nov 2022 $1,677 $68 $67 on 11/7/2022

Oct 2022 $1,664 $67 $64 on 10/2/2022

Sep 2022 $1,577 $64 $65 on 9/4/2022

Aug 2022 $1,610 $65 $66 on 7/31/2022

Jul 2022 $1,644 $66 $68 on 7/7/2022

Jun 2022 $1,681 $68 $72 on 6/5/2022

May 2022 $1,626 $72 $66 on 5/8/2022

Apr 2022 $1,637 $66 $159 on

3/24/2022

Mar 2022 $1,766 $74 $0 on 2/3/2022

Feb 2022 $1,710 $69 $78 on 2/3/2022

Jan 2022 $1,757 $71 $69 on 1/2/2022

Dec 2021 $1,701 $69 $61 on

 Scheduled
Date Balance Payment Paid

11/29/2021

Nov 2021 $1,509 $61 $60 on

10/31/2021

Oct 2021 $1,490 $60 $61 on 9/30/2021

Sep 2021 $1,524 $61 $58 on 9/2/2021

Aug 2021 $1,449 $58 $55 on 8/2/2021

Jul 2021 $1,351 $55 $56 on 7/4/2021

Jun 2021 $1,382 $56 $57 on 5/31/2021

May 2021 $1,414 $57 $58 on 5/3/2021

Apr 2021 $1,445 $58 $56 on 4/4/2021

Additional info
Between Aug 2021 and Mar 2023, your credit limit/high balance was $1,750

Between Apr 2021 and Jul 2021, your credit limit/high balance was $1,500

 Contact Info
Address 500 E 60TH ST N,
SIOUX FALLS SD 57104

Phone Number (605) 782-3468

CCS/FIRST NATIONAL BANK

 Account Info
Account Name CCS/FIRST NATIONAL Balance $581
BANK
Balance Updated 04/07/2023
Account Number 423980XXXXXXXXXX
Recent Payment $30 as of 4/2/2023
Account Type Credit card
Monthly Payment $30
Responsibility Individual
Credit Limit $750
Date Opened 04/03/2019
Highest Balance $740
Status Open/Never late.
 Status Updated Apr 2023 Terms NA

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022            

2021            

2020            

2019 — — —         

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $591 $30 $30 on 3/1/2023

Feb 2023 $600 $30 $30 on 1/31/2023

Jan 2023 $609 $30 $30 on 1/2/2023

Dec 2022 $618 $30 $50 on 12/1/2022

Nov 2022 $647 $30 $30 on 11/1/2022

Oct 2022 $655 $30 $30 on 10/2/2022

Sep 2022 $663 $30 $30 on 9/1/2022

Aug 2022 $671 $30 $49 on 8/1/2022

Jul 2022 $697 $49 $30 on 7/7/2022

Jun 2022 $679 $30 $30 on 5/24/2022

May 2022 $687 $30 $30 on 5/2/2022

Apr 2022 $694 $30 $30 on 4/1/2022

Mar 2022 $701 $30 $30 on 3/1/2022

Feb 2022 $707 $30 $50 on 1/27/2022

 Scheduled
Date Balance Payment Paid

Jan 2022 $734 $50 $30 on 1/3/2022

Dec 2021 $715 $30 $30 on

11/29/2021

Nov 2021 $722 $30 $30 on

10/31/2021

Oct 2021 $728 $30 $30 on 9/30/2021

Sep 2021 $598 $30 $30 on 8/30/2021

Aug 2021 $454 $30 $30 on 7/31/2021

Jul 2021 $406 $30 $50 on 6/27/2021

Jun 2021 $440 $30 $30 on 5/31/2021

May 2021 $453 $30 $30 on 4/29/2021

Apr 2021 $466 $30 $30 on 3/29/2021

Additional info
Between Aug 2021 and Mar 2023, your credit limit/high balance was $750

Between Apr 2021 and Jul 2021, your credit limit/high balance was $500

 Contact Info
Address 500 E 60TH ST N,
SIOUX FALLS SD 57104

Phone Number (888) 883-9824

CITI CARDS/CITIBANK

 Account Info
Account Name CITI CARDS/CITIBANK Balance $1,080

Account Number 542418XXXXXXXXXX Balance Updated 04/24/2023

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment $38

 Date Opened 04/27/2017 Credit Limit $1,100

Status Open/Never late. Highest Balance $1,098

Status Updated Apr 2023 Terms NA

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022            

2021            

2020            

2019            

2018            

2017 — — — —        

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $1,086 $34 $0 on 3/19/2023

Feb 2023 $1,038 $33 $0 on 2/19/2023

Jan 2023 $1,049 $34 $0 on 1/19/2023

Dec 2022 $994 $32 $0 on 12/19/2022

Nov 2022 $1,002 $62 $0 on 11/21/2022

Oct 2022 $1,060 $35 $0 on 10/19/2022

Sep 2022 $1,070 $33 $0 on 9/12/2022

Aug 2022 $991 $31 $0 on 8/20/2022

Jul 2022 $1,000 $30 $0 on 7/17/2022

Jun 2022 $1,010 $30 $0 on 6/19/2022

May 2022 $1,020 $30 $0 on 5/12/2022

 Scheduled
Date Balance Payment Paid

Apr 2022 $1,031 $30 $0 on 4/11/2022

Mar 2022 $1,051 $30 $0 on 3/16/2022

Feb 2022 $1,063 $31 $0 on 2/14/2022

Jan 2022 $1,078 $34 $0 on 1/12/2022

Dec 2021 $1,087 $32 $0 on 12/16/2021

Nov 2021 $1,098 $32 $0 on 11/18/2021

Oct 2021 $1,021 $29 $0 on 10/15/2021

Sep 2021 $972 $28 $0 on 9/16/2021

Aug 2021 $985 $30 $0 on 8/18/2021

Jul 2021 $1,014 $29 $0 on 7/15/2021

Jun 2021 $1,025 $29 $0 on 6/14/2021

May 2021 $1,055 $32 $0 on 5/6/2021

Apr 2021 $1,066 $31 $0 on 4/4/2021

Additional info
Between Apr 2021 and Mar 2023, your credit limit/high balance was $1,100

 Contact Info
Address PO BOX 6241,
SIOUX FALLS SD 57117

Phone Number (800) 950-5114

CREDIT ONE BANK

 Account Info
Account Name CREDIT ONE BANK Balance $1,189

Account Number 444796XXXXXXXXXX Balance Updated 04/02/2023

 Account Type Credit card Recent Payment $59 as of 3/26/2023

Responsibility Individual Monthly Payment $60

Date Opened 09/25/2015 Credit Limit $1,250

Status Open/Never late. Highest Balance $1,221

Status Updated Apr 2023 Terms NA

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — —        

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $1,164 $59 $57 on 2/26/2023

Feb 2023 $1,135 $57 $99 on 1/26/2023

Jan 2023 $1,199 $60 $57 on

12/28/2022

Dec 2022 $1,129 $57 $100 on

11/29/2022

Nov 2022 $1,129 $57 $51 on

10/26/2022

Oct 2022 $1,006 $51 $52 on 9/20/2022

Sep 2022 $1,028 $52 $53 on 8/16/2022

Aug 2022 $1,050 $53 $50 on 7/22/2022

 Scheduled
Date Balance Payment Paid

Jul 2022 $992 $50 $51 on 6/24/2022

Jun 2022 $1,013 $51 $52 on 5/24/2022

May 2022 $1,037 $52 $54 on 4/24/2022

Apr 2022 $1,062 $54 $52 on 3/27/2022

Mar 2022 $1,021 $52 $51 on 2/25/2022

Feb 2022 $1,008 $51 $52 on 1/27/2022

Jan 2022 $1,032 $52 $53 on

12/19/2021

Dec 2021 $1,056 $53 $52 on

11/17/2021

Nov 2021 $1,024 $52 $48 on

10/17/2021

Oct 2021 $944 $48 $49 on 9/20/2021

Sep 2021 $966 $49 $50 on 8/19/2021

Aug 2021 $989 $50 $51 on 7/23/2021

Jul 2021 $1,012 $51 $52 on 6/14/2021

Jun 2021 $1,036 $52 $52 on 5/25/2021

May 2021 $1,028 $52 $48 on 4/25/2021

Apr 2021 $951 $48 $184 on

3/18/2021

Additional info
Between Oct 2022 and Mar 2023, your credit limit/high balance was $1,250

Between Apr 2021 and Sep 2022, your credit limit/high balance was $1,100

 Contact Info
Address PO BOX 98875,
LAS VEGAS NV 89193

Phone Number (877) 825-3242

CREDIT ONE BANK

 Account Info
Account Name CREDIT ONE BANK Balance $1,699

Account Number 546645XXXXXXXXXX Balance Updated 04/07/2023

Account Type Credit card Recent Payment $83 as of 4/2/2023

Responsibility Individual Monthly Payment $85

Date Opened 06/25/2018 Credit Limit $1,750

Status Open/Never late. Highest Balance $1,727

Status Updated Apr 2023 Terms NA

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022            

2021            

2020            

2019            

2018 — — — — — —      

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $1,644 $83 $82 on 3/1/2023

Feb 2023 $1,628 $82 $83 on 1/31/2023

Jan 2023 $1,658 $83 $85 on 1/2/2023

Dec 2022 $1,689 $85 $82 on 12/1/2022

Nov 2022 $1,626 $82 $72 on 11/1/2022

 Scheduled
Date Balance Payment Paid

Oct 2022 $1,430 $72 $69 on 10/2/2022

Sep 2022 $1,377 $69 $71 on 9/4/2022

Aug 2022 $1,405 $71 $69 on 8/1/2022

Jul 2022 $1,369 $69 $70 on 7/4/2022

Jun 2022 $1,396 $70 $68 on 5/24/2022

May 2022 $1,343 $68 $69 on 5/2/2022

Apr 2022 $1,371 $69 $71 on 3/31/2022

Mar 2022 $1,401 $71 $72 on 3/1/2022

Feb 2022 $1,432 $72 $74 on 1/30/2022

Jan 2022 $1,464 $74 $71 on 1/2/2022

Dec 2021 $1,405 $71 $69 on

11/28/2021

Nov 2021 $1,378 $69 $71 on

10/31/2021

Oct 2021 $1,408 $71 $69 on 10/3/2021

Sep 2021 $1,373 $69 $71 on 8/30/2021

Aug 2021 $1,403 $71 $70 on 7/31/2021

Jul 2021 $1,397 $70 $88 on 6/27/2021

Jun 2021 $1,350 $68 $70 on 5/31/2021

May 2021 $1,380 $70 $71 on 4/28/2021

Apr 2021 $1,410 $71 $73 on 3/29/2021

Additional info
Between Sep 2022 and Mar 2023, your credit limit/high balance was $1,750

Between Apr 2021 and Aug 2022, your credit limit/high balance was $1,500

 Contact Info
 Address PO BOX 98875,
LAS VEGAS NV 89193

Phone Number (877) 825-3242

DISCOVER BANK

 Account Info
Account Name DISCOVER BANK Balance $5,366

Account Number 601100XXXXXXXXXX Balance Updated 03/27/2023

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment $140

Date Opened 09/14/2016 Credit Limit $5,500

Status Open/Never late. Highest Balance $5,605

Status Updated Mar 2023 Terms NA

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023    — — — — — — — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — —    

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Feb 2023 $5,324 $151 $0 on 2/20/2023

 Scheduled
Date Balance Payment Paid

Jan 2023 $5,256 $146 $0 on 1/20/2023

Dec 2022 $5,066 $136 $0 on 12/19/2022

Nov 2022 $4,603 $145 $0 on 11/21/2022

Oct 2022 $5,420 $143 $0 on 10/13/2022

Sep 2022 $5,295 $144 $0 on 9/20/2022

Aug 2022 $5,312 $140 $0 on 8/10/2022

Jul 2022 $5,329 $137 $0 on 7/18/2022

Jun 2022 $5,351 $138 $0 on 6/20/2022

May 2022 $5,365 $132 $0 on 5/11/2022

Apr 2022 $5,390 $136 $0 on 4/11/2022

Mar 2022 $5,398 $124 $0 on 3/16/2022

Feb 2022 $5,430 $136 $0 on 2/14/2022

Jan 2022 $5,451 $136 $0 on 1/12/2022

Dec 2021 $5,467 $132 $0 on 12/17/2021

Nov 2021 $5,387 $135 $0 on 11/17/2021

Oct 2021 $5,404 $132 $0 on 10/15/2021

Sep 2021 $5,429 $136 $0 on 9/15/2021

Aug 2021 $5,450 $137 $0 on 8/18/2021

Jul 2021 $5,467 $133 $0 on 7/15/2021

Jun 2021 $5,491 $137 $0 on 6/16/2021

May 2021 $5,508 $134 $0 on 5/14/2021

Apr 2021 $5,533 $138 $0 on 4/15/2021

Additional info
Between Apr 2021 and Feb 2023, your credit limit/high balance was $5,500
 Contact Info
Address PO BOX 30939,
SALT LAKE CITY UT 84130

Phone Number (800) 347-2683

FB&T/MERCURY

 Account Info
Account Name FB&T/MERCURY Balance $2,070

Account Number 523081XXXXXXXXXX Balance Updated 04/04/2023

Account Type Credit card Recent Payment $66 as of 3/26/2023

Responsibility Individual Monthly Payment $66

Date Opened 12/04/2021 Credit Limit $3,250

Status Open/Never late. Highest Balance $2,070

Status Updated Apr 2023 Terms NA

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022            

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $1,995 $65 $65 on 2/26/2023

Feb 2023 $1,892 $62 $62 on 1/26/2023

Jan 2023 $1,723 $61 $61 on

12/28/2022

Dec 2022 $1,694 $63 $200 on

11/27/2022
 Scheduled
Date Balance Payment Paid

Nov 2022 $1,804 $60 $60 on

10/26/2022

Oct 2022 $1,819 $53 $53 on 9/27/2022

Sep 2022 $1,676 $45 $45 on 8/25/2022

Aug 2022 $1,398 $31 $81 on 7/25/2022

Jul 2022 $959 $26 $26 on 6/19/2022

Jun 2022 $876 $18 $18 on 5/26/2022

May 2022 $625 $18 $40 on 4/12/2022

Apr 2022 $556 $17 $25 on 3/25/2022

Mar 2022 $568 $29 $50 on 2/15/2022

Feb 2022 $541 $15 $50 on 1/29/2022

Jan 2022 $345 $0 $0

Additional info
Between Jul 2022 and Mar 2023, your credit limit/high balance was $3,250

Between Jan 2022 and Jun 2022, your credit limit/high balance was $2,250

 Contact Info
Address PO BOX 84064,
COLUMBUS GA 31908

Phone Number (866) 686-2158

SYNCB/BELK

 Account Info
Account Name SYNCB/BELK Balance $193

Account Number 604583XXXXXXXXXX Balance Updated 04/04/2023

Account Type Charge Card Recent Payment $40 as of 3/27/2023

 Responsibility Individual Monthly Payment $40

Date Opened 11/22/2020 Credit Limit $340

Status Open/Never late. Highest Balance $419

Status Updated Apr 2023 Terms NA

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022            

2021            

2020 — — — — — — — — — — — 

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $229 $40 $40 on 3/3/2023

Feb 2023 $264 $40 $40 on 1/29/2023

Jan 2023 $297 $40 $29 on

12/29/2022

Dec 2022 $209 $29 $230 on

11/25/2022

Nov 2022 $230 $29 $29 on

10/26/2022

Oct 2022 $254 $29 $29 on 9/22/2022

Sep 2022 $277 $29 $50 on 8/16/2022

Aug 2022 $321 $29 $29 on 7/20/2022

Jul 2022 $342 $29 $29 on 6/24/2022

Jun 2022 $364 $29 $29 on 5/24/2022

May 2022 $335 $29 $29 on 4/25/2022

 Scheduled
Date Balance Payment Paid

Apr 2022 $357 $29 $29 on 3/27/2022

Mar 2022 $378 $29 $29 on 2/27/2022

Feb 2022 $399 $29 $29 on 1/27/2022

Jan 2022 $419 $29 $29 on

12/17/2021

Dec 2021 $374 $29 $29 on

11/21/2021

Nov 2021 $395 $29 $29 on

10/17/2021

Oct 2021 $282 $29 $29 on 9/21/2021

Sep 2021 $305 $29 $29 on 8/19/2021

Aug 2021 $327 $29 $29 on 7/23/2021

Jul 2021 $309 $29 $29 on 6/23/2021

Jun 2021 $331 $29 $29 on 5/25/2021

May 2021 $313 $29 $29 on 4/23/2021

Apr 2021 $335 $29 $29 on 3/25/2021

Additional info
Between Aug 2022 and Mar 2023, your credit limit/high balance was $340

Between Apr 2021 and Jul 2022, your credit limit/high balance was $500

 Contact Info
Address PO BOX 965028,
ORLANDO FL 32896

Phone Number (800) 669-6550

SYNCB/JCPENNEY
 Account Info
Account Name SYNCB/JCPENNEY Balance $2,653

Account Number 600889XXXXXXXXXX Balance Updated 04/09/2023

Account Type Charge Card Recent Payment $94 as of 4/2/2023

Responsibility Individual Monthly Payment $92

Date Opened 12/30/2016 Credit Limit $3,000

Status Open/Never late. Highest Balance $3,006

Status Updated Apr 2023 Terms NA

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022            

2021            

2020            

2019            

2018            

2017            

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $2,683 $94 $88 on 3/2/2023

Feb 2023 $2,704 $88 $97 on 2/1/2023

Jan 2023 $2,740 $97 $92 on 1/3/2023

Dec 2022 $2,697 $92 $300 on

12/2/2022

Nov 2022 $2,844 $94 $92 on 11/2/2022

Oct 2022 $2,738 $92 $91 on 10/2/2022

Sep 2022 $2,765 $91 $93 on 9/2/2022

 Scheduled
Date Balance Payment Paid

Aug 2022 $2,795 $93 $93 on 7/31/2022

Jul 2022 $2,824 $93 $90 on 7/3/2022

Jun 2022 $2,850 $90 $95 on 5/24/2022

May 2022 $2,884 $95 $89 on 5/3/2022

Apr 2022 $2,861 $89 $94 on 3/31/2022

Mar 2022 $2,895 $94 $88 on 3/1/2022

Feb 2022 $2,919 $88 $95 on 1/28/2022

Jan 2022 $2,955 $95 $92 on 1/3/2022

Dec 2021 $2,904 $92 $89 on

11/30/2021

Nov 2021 $2,831 $89 $91 on

10/29/2021

Oct 2021 $2,801 $91 $90 on 9/30/2021

Sep 2021 $2,829 $90 $94 on 8/30/2021

Aug 2021 $2,862 $94 $89 on 8/1/2021

Jul 2021 $2,823 $89 $90 on 6/28/2021

Jun 2021 $2,852 $90 $92 on 5/31/2021

May 2021 $2,833 $92 $91 on 4/29/2021

Apr 2021 $2,861 $91 $94 on 3/29/2021

Additional info
Between Apr 2021 and Mar 2023, your credit limit/high balance was $3,000

 Contact Info
Address PO BOX 965007,
ORLANDO FL 32896

Phone Number (800) 542-0800

TBOM/CONTFIN

 Account Info
Account Name TBOM/CONTFIN Balance $1,323

Account Number 516648XXXXXXXXXX Balance Updated 04/09/2023

Account Type Credit card Recent Payment $51 as of 4/6/2023

Responsibility Individual Monthly Payment $53

Date Opened 06/15/2018 Credit Limit $1,350

Status Open/Never late. Highest Balance $1,448

Status Updated Apr 2023 Terms NA

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022            

2021            

2020            

2019            

2018 — — — — — —      

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $1,264 $51 $52 on 3/6/2023

Feb 2023 $1,275 $52 $52 on 2/6/2023

Jan 2023 $1,287 $52 $52 on 1/2/2023

Dec 2022 $1,298 $52 $53 on 12/6/2022

Nov 2022 $1,310 $53 $53 on 11/6/2022

Oct 2022 $1,322 $53 $54 on 10/3/2022

 Scheduled
Date Balance Payment Paid

Sep 2022 $1,336 $54 $55 on 9/4/2022

Aug 2022 $1,351 $55 $137 on

7/12/2022

Jul 2022 $1,448 $85 $0 on 6/6/2022

Jun 2022 $1,283 $52 $52 on 6/6/2022

May 2022 $1,298 $52 $53 on 5/4/2022

Apr 2022 $1,314 $53 $51 on 4/1/2022

Mar 2022 $1,260 $51 $52 on 3/2/2022

Feb 2022 $1,276 $52 $52 on 1/31/2022

Jan 2022 $1,292 $52 $53 on 1/3/2022

Dec 2021 $1,308 $53 $54 on

11/29/2021

Nov 2021 $1,325 $54 $54 on 11/4/2021

Oct 2021 $1,341 $54 $55 on 9/30/2021

Sep 2021 $1,358 $55 $56 on 9/2/2021

Aug 2021 $1,375 $56 $56 on 8/4/2021

Jul 2021 $1,392 $56 $51 on 7/6/2021

Jun 2021 $1,273 $51 $52 on 6/1/2021

May 2021 $1,289 $52 $53 on 5/3/2021

Apr 2021 $1,305 $53 $51 on 4/5/2021

Additional info
Between Apr 2021 and Mar 2023, your credit limit/high balance was $1,350

 Contact Info
Address 4550 NEW LINDEN HILL RD
#400,
WILMINGTON DE 19808
 Phone Number (866) 449-4514

UNITED FEDERAL CREDIT UN

 Account Info
Account Name UNITED FEDERAL CREDIT Balance NA
UN
Balance Updated
Account Number 510000XXXXXX
Recent Payment -
Account Type Auto Loan
Monthly Payment NA
Responsibility Individual
Original Balance $21,763
Date Opened 05/14/2016
Highest Balance NA
Status Paid, Closed/Never late.
Terms 81 Months
Status Updated Nov 2022
On Record Until Nov 2032

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2022           CLS —

2021            

2020            

2019            

2018            

2017            

2016 — — —         

 Current / Terms met

CLS Closed

 Balance Histories

Scheduled
Date Balance Payment Paid

Oct 2022 $1,567 $344 $344 on

10/25/2022
 Scheduled
Date Balance Payment Paid

Sep 2022 $1,898 $344 $344 on

9/19/2022

Aug 2022 $2,231 $344 $344 on

8/22/2022

Jul 2022 $2,562 $344 $344 on

7/25/2022

Jun 2022 $2,889 $344 $344 on

6/24/2022

May 2022 $3,215 $344 $344 on

5/24/2022

Apr 2022 $3,541 $344 $344 on

4/25/2022

Mar 2022 $3,863 $344 $344 on

3/25/2022

Feb 2022 $4,188 $344 $344 on

2/28/2022

Jan 2022 $4,507 $344 $687 on

1/28/2022

Dec 2021 $5,141 $344 $0 on 11/29/2021

Nov 2021 $5,141 $344 $344 on

11/29/2021

Oct 2021 $5,451 $344 $344 on

10/26/2021

Sep 2021 $5,758 $343 $343 on

9/20/2021

Aug 2021 $6,071 $343 $343 on

8/23/2021

Jul 2021 $6,383 $343 $343 on

7/26/2021

Jun 2021 $6,689 $343 $343 on

6/24/2021
 Scheduled
Date Balance Payment Paid

May 2021 $6,995 $343 $343 on

5/25/2021

Apr 2021 $7,302 $343 $343 on

4/27/2021

Additional info
The original amount of this account was $21,763

 Contact Info
Address 150 HILLTOP RD,
SAINT JOSEPH MI 49085

Phone Number (269) 982-1400

UPSTART NETWORK INC/ FIN

 Account Info
Account Name UPSTART NETWORK INC/ Balance $11,502
FIN
Balance Updated 04/10/2023
Account Number FW356XXXX
Recent Payment $375 as of 4/10/2023
Account Type Unsecured
Monthly Payment $375
Responsibility Individual
Original Balance $12,000
Date Opened 11/10/2022
Highest Balance NA
Status Open/Never late.
Terms 60 Months
Status Updated Apr 2023

 Payment History

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022 — — — — — — — — — — — 

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $11,599 $375 $375 on

3/10/2023

Feb 2023 $11,721 $375 $375 on

2/10/2023

Jan 2023 $11,813 $375 $375 on

1/10/2023

Dec 2022 $11,903 $375 $375 on

12/10/2022

Additional info
The original amount of this account was $12,000

 Contact Info
Address PO BOX 1503,
SAN CARLOS CA 94070

Phone Number (833) 212-6245

WELLS FARGO HOME MORTGAGE

 Account Info
Account Name WELLS FARGO HOME Balance $26,230
MORTGAGE
Balance Updated 04/11/2023
Account Number 708015XXXXXXX
Recent Payment $257 as of 3/12/2023
Account Type Mortgage
Monthly Payment $257
Responsibility Individual
Original Balance $36,426
Date Opened 11/27/2006
Highest Balance NA
Status Open/Never late.
Terms 29 Years
Status Updated Apr 2023

 Payment History
 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023     — — — — — — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — —        

 Current / Terms met

 Balance Histories

Scheduled
Date Balance Payment Paid

Mar 2023 $26,323 $257 $257 on

2/11/2023

Feb 2023 $26,415 $257 $257 on

1/13/2023

Jan 2023 $26,508 $257 $0 on 12/10/2022

Dec 2022 $26,508 $257 $515 on

12/10/2022

Nov 2022 $26,690 $257 $257 on

10/15/2022

Oct 2022 $26,780 $257 $0 on 9/12/2022

Sep 2022 $26,780 $257 $515 on

9/12/2022

Aug 2022 $26,960 $257 $0 on 7/11/2022

Jul 2022 $26,960 $257 $515 on

7/11/2022

Jun 2022 $27,136 $257 $257 on

5/14/2022

May 2022 $27,224 $257 $0 on 4/12/2022

 Scheduled
Date Balance Payment Paid

Apr 2022 $27,224 $257 $515 on

4/12/2022

Mar 2022 $27,398 $257 $257 on

2/13/2022

Feb 2022 $27,484 $257 $257 on

1/13/2022

Jan 2022 $27,569 $257 $257 on

12/13/2021

Dec 2021 $27,654 $257 $257 on

11/16/2021

Nov 2021 $27,738 $257 $257 on

10/11/2021

Oct 2021 $27,822 $257 $257 on

9/16/2021

Sep 2021 $27,906 $257 $257 on

8/24/2021

Aug 2021 $27,976 $257 $257 on

7/14/2021

Jul 2021 $28,058 $257 $257 on

6/14/2021

Jun 2021 $28,140 $257 $257 on

5/16/2021

May 2021 $28,221 $257 $257 on

4/15/2021

Apr 2021 $28,302 $257 $257 on

3/15/2021

Additional info
The original amount of this account was $36,426

 Contact Info
 Address PO BOX 10335,
DES MOINES IA 50306

Phone Number (800) 416-1472

Public Records
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.

No public records reported.

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.

SYNCB/BELK
Inquired on 04/03/2021

PO BOX 965028 ORLANDO FL,

32896

Unspecified. This inquiry is scheduled

to continue on record until May 2023.

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.
AMERICAN AMERICAN ASPIRE/ATL AVEN
EXPRESS EXPRESS ANTICUS/T FINANCIAL,
Inquired on Inquired on BOM INC
04/18/2023 02/09/2023 Inquired on Inquired on
05/19/2022 02/07/2023
200 VESEY PO BOX
ST, 981537, 5 330
NEW YORK EL PASO TX CONCOURS PRIMROSE
NY 10285 79998 E PKWY STE RD STE 412,
(602) 537- 400, BURLINGAM
8500 ATLANTA E CA 94010
GA 30328

BARCLAYS BEST CAPITAL CBNA

BANK EGG/MARLE ONE Inquired on
DELAWARE TTE Inquired on 06/27/2022
Inquired on MARKET 05/24/2022 and 05/18/2
04/14/2023 Inquired on 022
15000
04/21/2023,
100 SOUTH CAPITAL 5800 S
03/21/2023,
WEST AVE, ONE DR, CORPORATE
02/21/2023,
WILMINGTO RICHMOND PL # 234,
01/21/2023,
N DE 19801 VA 23238 SIOUX
12/21/2022,
(866) 283- FALLS SD
11/21/2022,
6635 57108
10/21/2022,
(800) 745-
09/21/2022,
5473
08/21/2022,
07/21/2022,
06/21/2022
and 05/23/2
022

3419
SILVERSIDE
RD,
 WILMINGTO
N DE 19810

COMENITY COMENITY CONTINENT CREDIT

CAPITAL SERVICING AL FINANCE KARMA
BANK LLC COMP Inquired on
Inquired on Inquired on Inquired on 04/19/2023,
11/02/2022 01/16/2023 03/22/2023 04/15/2023,
04/12/2023,
PO BOX PO BOX 4550 NEW
04/08/2023,
182789, 182789, LINDEN HILL
04/05/2023,
COLUMBUS COLUMBUS RD STE400,
04/01/2023,
OH 43218 OH 43218 WILMINGTO
03/29/2023,
N DE 19808
03/25/2023,
03/22/2023,
03/18/2023,
03/15/2023,
03/11/2023,
03/08/2023,
03/04/2023,
03/01/2023,
02/25/2023,
02/22/2023,
02/18/2023,
02/15/2023,
02/11/2023,
02/08/2023,
02/04/2023,
02/01/2023,
01/28/2023,
01/25/2023,
01/21/2023,
01/18/2023,
01/14/2023,
01/11/2023,
01/07/2023,
01/04/2023,
12/31/2022,
12/28/2022,
12/24/2022,
12/21/2022,
12/17/2022,
12/14/2022,
12/10/2022,
12/03/2022,
11/30/2022,
11/26/2022,
11/23/2022,
11/19/2022,
11/16/2022,
11/12/2022,
11/09/2022,
11/07/2022,
11/02/2022,
10/29/2022,
10/26/2022,
10/22/2022,
10/19/2022,
10/12/2022,
10/08/2022,
10/05/2022,
10/01/2022,
09/28/2022,
09/24/2022,
09/17/2022,
09/14/2022,
09/10/2022,
09/07/2022,
09/03/2022,
08/31/2022,
08/27/2022,
08/24/2022,
08/20/2022,
08/17/2022,
08/13/2022,
08/10/2022,
08/06/2022,
08/03/2022,
07/30/2022,
07/27/2022,
 07/23/2022,
07/20/2022,
07/16/2022,
07/09/2022,
07/06/2022,
07/02/2022,
06/29/2022,
06/25/2022,
06/22/2022,
06/18/2022,
06/15/2022,
06/11/2022,
06/08/2022,
06/04/2022,
06/01/2022,
05/28/2022,
05/25/2022,
05/21/2022,
05/18/2022,
05/14/2022,
05/11/2022,
05/07/2022,
05/04/2022,
04/30/2022
and 04/27/2
022

760
MARKET ST
FL 2,
SAN
FRANCISCO
CA 94102

CREDIT CREDIT ONE CREDIT9 DECISION

KARMA INC BANK LLC SCIENCE/SK
Inquired on Inquired on Inquired on Y BR
04/19/2023, 12/27/2022 02/16/2023, Inquired on
01/23/2023, 11/03/2022 01/30/2023
10/30/2022, PO BOX and 08/17/2 15455
08/06/2022 98875, 022 DALLAS
and 05/18/2 LAS VEGAS PKWY,
18201 VON
022 NV 89193 ADDISON TX
KARMAN
(877) 825- 75001
760 AVE FL 7,
3242
MARKET ST IRVINE CA
FL 2, 92612
SAN
FRANCISCO
CA 94102

DISCOVER DISCOVER DISCOVER EDS/CAPITA

FINANCIAL FINANCIAL FINANCIAL L
SVCS SVCS SVCS COMMUNIT
Inquired on Inquired on Inquired on Y BK
04/05/2023 05/19/2022 05/19/2022 Inquired on
07/15/2022
2500 LAKE 2500 LAKE 2500 LAKE
COOK RD, COOK RD, COOK RD, PO BOX
RIVERWOOD RIVERWOOD RIVERWOOD 84032,
S IL 60015 S IL 60015 S IL 60015 COLUMBUS
(877) 728- GA 31908
3030 (833) 204-
2600

EDS/REPUB EXPERIAN EXPERIAN EXPERIANH

LIC BK & Inquired on CS LTH
TRST 04/27/2023 IDENTITY Inquired on
Inquired on Inquired on 09/07/2022
475 ANTON
06/24/2022 04/04/2023,
BLVD, 720 COOL
and 05/22/2 03/02/2023,
COSTA SPRINGS
022 02/02/2023,
MESA CA BLVD STE
12/03/2022,
4030 SMITH 92626 200,
11/03/2022,
RD, FRANKLIN
10/05/2022,
TN 37067
09/05/2022,
CINCINNATI 08/03/2022, (763) 416-
OH 45209 07/05/2022, 1030
(502) 584- 06/03/2022
On behalf of
3600 and 05/04/2
SRCHAMER/M
022 ERCY HEALTH

535 ANTON
BLVD STE
100,
COSTA
MESA CA
92626

FINGERHUT IR/SIMPLE IR/SIMPLE LENDAH

/WEBBANK DEBT PATH LLC
Inquired on SOLUTIONS FINANCIAL Inquired on
10/04/2022 Inquired on Inquired on 10/11/2022
and 06/29/2 02/08/2023, 03/15/2023,
500
022 08/31/2022, 01/10/2023,
CUMMINGS
08/16/2022 08/31/2022
215 S STATE CTR STE
and 08/03/2 and 06/23/2
ST STE 800, 2550,
022 022
SALT LAKE BEVERLY
CITY UT 15821 417 MA 01915
84111 VENTURA WINTERTHU
(801) 456- BLVD STE R WAY,
8350 235, HIGHLANDS
ENCINO CA RANCH CO
91436 80129

LENDINGPOI LEXISNEXIS LSDM/CRED OPORTUN/P

NT/RPM Inquired on IT DIRECT ROGRESO
Inquired on 04/19/2023, Inquired on Inquired on
06/14/2022 01/23/2023, 08/05/2022 05/05/2022
and 05/10/2 10/30/2022,
9210 1600
022 08/06/2022
CORPORATE SEAPORT
1201 and 05/18/2 BLVD STE BLVD STE
ROBERTS 022 130, 250,
BLVD NW ROCKVILLE REDWOOD
2885
STE 200, MD 20850 CITY CA
BRECKENRI
KENNESAW 94063
DGE BLVD
GA 30144 (866) 488-
#55D,
6090
DULUTH GA
30096
(770) 752-
6000

On behalf of
SHELTER
INSURANCE
for Insurance
underwriting

SEVENTH SYNCHRON WELLS WF CRD SVC

AVENUE/DM Y FARGO Inquired on
SERVI FINANCIAL BANK MTG 01/05/2023
Inquired on Inquired on Inquired on
1220
09/12/2022 03/20/2023 12/05/2022
CONCORD
1112 7TH 4125 PO BOX AVE,
AVE, WINDARD 29482, CONCORD
MONROE WI PLAZA, DES MOINES CA 94520
53566 ALPHARETT IA 50306 (925) 686-
A GA 30005 (800) 288- 7938
3212

WF HOME
LD
Inquired on
03/02/2023

PO BOX
29482,
 DES MOINES
IA 50306
(800) 288-
3212

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.

Public Records Information

If your report contains public records, the Public Records section includes items
from courts that Experian may have obtained through a third party vendor,
LexisNexis Risk Data Management Inc. You may contact them at LexisNexis
Consumer Center, PO Box 105615, Atlanta, GA 30348-5108, or visit
https://experianconsumers.lexisnexis.com .

Contact Experian

Online Phone Mail

Visit Experian.com/dispute to dispute Monday - Friday Experian
any inaccurate information, or click the 9am to 5pm PO Box 9701
(855) 414-6047 Allen, TX 75013
dispute link next to the item. For FAQs
and online access to your Experian
Credit Report, Fraud Alerts, and Security
Freezes, visit Experian.com/help
Know Your Rights

Fair Credit Reporting Act (FCRA)

Para información en español, visite www.consumerfinance.gov/learnmore o
escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W.,
Washington, D.C. 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). Here is a summary of your major rights
under the FCRA. 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, D.C. 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 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).

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.
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.

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:

FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:

1.a. Banks, savings associations, and credit a. Bureau of Consumer

unions with total assets of over $10 billion and Financial Protection
their affiliates. 1700 G Street NW
Washington, DC 20552
b. Such affiliates that are not banks, savings
associations, or credit unions also should list in b. Federal Trade
addition to the Bureau: Commission: Consumer
Response Center - FCRA
Washington, DC 20580
(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, Customer Assistance
and federal branches and federal agencies of Group
foreign banks 1301 McKinney Street,
Suite 3450
b. State member banks, branches and agencies Houston, TX 77010-9050
of foreign banks (other than federal branches,
federal agencies, and insured state branches of b. Federal Reserve
foreign banks), commercial lending companies Consumer Help Center
owned or controlled by foreign banks, and PO Box 1200
organizations operating under section 25 or Minneapolis, MN 55480
25A of the Federal Reserve Act
c. FDIC Consumer
c. Nonmember Insured banks, Insured State Response Center
Branches of Foreign Banks, and insured state 1100 Walnut Street, Box
savings associations #11
Kansas City, MO 64106
d. Federal Credit Unions
d. 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
SE
Washington, DC 20590

4. Creditors Subject to Surface Transportation Office of Proceedings,

Board Surface Transportation
Board
Department of
Transportation
395 E Street, SW
Washington, DC 20423

5. Creditors Subject to Packers and Stockyards Nearest Packers and

Act 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 St NE
Washington, DC 20549

8. Federal Land Banks, Federal Land Bank Farm Credit Administration

Associations, Federal Intermediate Credit 1501 Farm Credit Drive
Banks, and Production Credit Associations McLean, VA 22102-5090
 9. Retailers, Finance Companies, and All Other FTC Regional Office for
Creditors Not Listed Above 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