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Mukesh

The personal credit report for Mukesh Dusa, created on March 29, 2025, includes personal information, addresses, phone numbers, and employment history. It details various accounts, including credit cards, their balances, payment history, and statuses, indicating that most accounts are current and paid as agreed. Additionally, it provides information on disputing items and adding consumer statements related to financial hardships.

Uploaded by

jocelynkennedytx

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0% found this document useful (0 votes)

30 views149 pages

Mukesh

Uploaded by

jocelynkennedytx

We take content rights seriously. If you suspect this is your content, claim it here.

Available Formats

Download as PDF, TXT or read online on Scribd

You are on page 1/ 149

Personal Credit Report for:

MUKESH DUSA

File Number:
445871393

Date Created:
03/29/2025

Visit transunion.com/dispute to start a dispute online.

If you are experiencing a financial hardship related to a public health emergency or your personal circumstances, you can add
a consumer statement to your credit file to explain your situation by visiting us at www.transunion.com/credit-help .

 Personal Information

You have been on our files since 11/15/2013. Your SSN has been masked for your protection.

Credit Report Date

03/29/2025

Social Security Number

XXX-XX-8150

Date of Birth

05/07/1981

Date Reported

11/15/2013

Phone Numbers

Phone Number

(609) 202-1318

Phone Number

(203) 585-6628

Employers

Employer

TECH MAHINDRA

Date Verified
12/03/2013

 Accounts

Typically, creditors report any changes made to your account information monthly. This means that some accounts listed
below may not reflect the most recent activity until the creditor's next reporting. This information may include things such as
balances, payments, dates, remarks, ratings, etc. The rating key is provided to help you understand some of the account
information that could be reported. Pay Status represents the current status of accounts and indicates how you are currently
paying. For accounts that have been paid and closed, sold, or transferred, Pay Status represents the last reported status of
the account.

 TransUnion is now including some Buy Now, Pay Later (BNPL) installment loans, also known as a "point-of-sale installment
loans" on credit reports. At this time, BNPL information provided to TransUnion is visible to you, but scoring providers,
lenders, insurers or other authorized companies that may access your credit report will not be able to use this data. As a
result, it will not affect credit decisions or credit scores calculated using TransUnion data. In the future, Buy Now, Pay
Later may be factored in to credit scores and credit decisions (for example, account opening or account review decisions).
Visit our FAQs  to learn more.

Payment/Remarks Key

Ratings

OK Current, paying or paid as agreed

N/R Not Reported

X Unknown

https://annualcreditreport.transunion.com/dss/disclosure.page 4/149
30 Account 30 days late

60 Account 60 days late

90 Account 90 days late

120 Account 120 or more days late

COL Transferred to collection

VS Voluntarily surrendered

RPO Repossession

C/O Charged off by account provider

FC Foreclosure

Remarks

AAP: Loan assumed by another party

ACQ: Acquired from another lender
ACR: Account closed due to refinance
ACT: Account closed due to transfer
AFR: Account acquired by RTC/FDIC
AID: Account information disputed by consumer
AJP: Adjustment pending
AMD: Active military duty
AND: Affected by natural disaster
BAL: Balloon payment
BKL: Included in bankruptcy
BKW: Bankruptcy withdrawn
CAD: Dispute account/closed by consumer
CBC: Account closed by consumer
CBD: Dispute resolved/consumer disagrees/closed by consumer
CBG: Canceled by credit grantor
CBL: Chapter 7 bankruptcy
CBR: Chapter 11 bankruptcy
CBT: Chapter 12 bankruptcy
CLA: Placed for collection
CLO: Closed
CLS: Credit line suspended
CRB: Collateral released—balance owing
CTR: Account closed—transfer to refinance
CTS: Contact subscriber
DDR: -none-
DLU: Deed in lieu
DM: Bankruptcy dismissed
DRC: Dispute resolved/consumer disagrees

https://annualcreditreport.transunion.com/dss/disclosure.page 5/149
DRG: Dispute resolved reported by credit grantor
ER: Election of remedy
ETB: Early termination/balance owing
ETI: Early termination by default
ETO: Early termination/obligation settled
ETS: Early termination/status pending
FCL: Foreclosure
FPD: Account paid, foreclosure started
FPI: Foreclosure initiated
FRD: Foreclosure collateral sold
FTB: Full termination/balance owing
FTO: Full termination/obligation satisfied
FTS: Full termination/status pending
INA: Inactive account
INP: Debt being paid through insurance
INS: Paid by insurance
IRB: Involuntary repossession/balance owing
IRE: Involuntary repossession
IRO: Involuntary repossession/obligation satisfied
JUG: Judgment granted
LA: Lease assumption
LMN: Loan Modified Not GOVT (government)
LNA: Credit line is no longer available
MCC: Managed by credit counseling service
MOV: No forwarding address
NIR: Student loan not in repayment
NPA: Now paying
PAL: Purchase by another lender
PCL: Paid collection
PDD: Paid by dealer
PDE: Payment deferred
PDI: Principle deferred/initial payment only
PFC: Account paid from collateral
PLL: Prepaid lease
PLP: Profit and loss now paying
PNR: First payment never received
PPA: Paying partial payment agreement
PPD: Paid by co-maker
PPL: Paid profit and loss
PRD: Payroll deduction
PRL: Profit and loss write-off

https://annualcreditreport.transunion.com/dss/disclosure.page 6/149
PWG: Account payment, wage garnish
REA: Reaffirmation of debt
REP: Substitute/replacement account
RFN: Refinanced
RPD: Paid repossession
RPO: Repossession
RRE: Repossession redeemed
RVN: Returned voluntarily
RVR: Returned voluntarily/redeemed
SET: Settled—less than full balance
SGL: Government secured guaranteed
SIL: Simple interest loan
SLP: Student loan perm assign government
SPL: Single payment loan
STL: Credit card lost/stolen
TRF: Transfer
TRL: Transferred to another lender
TTR: Transferred to recovery
WEP: Chapter 13 bankruptcy
For account information other than payment history, we may show brackets > < to indicate information that may
negatively affect your credit health.

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

Account Name

AMERICAN EXPRESS 349993247005****

Account Information

Address PO BOX 981537 EL PASO, TX 79998

Phone (800) 874-2717

Monthly Payment $210

Date Opened 05/21/2024

Responsibility Individual Account

https://annualcreditreport.transunion.com/dss/disclosure.page 7/149
Account Type Revolving Account

Loan Type CREDIT CARD

Balance $2,560

Date Updated 03/20/2025

Pay Status Current Account

Terms $210 per month; paid Monthly

High balance of $1,724 from 07/2024 to 07/2024; $2,143

from 08/2024 to 08/2024; $2,830 from 09/2024 to
High Balance (Hist.) 12/2024; $3,106 from 01/2025 to 03/2025

Credit limit of $15,000 from 07/2024 to 11/2024;

Credit Limit (Hist.) $19,500 from 12/2024 to 03/2025

Payment History

https://annualcreditreport.transunion.com/dss/disclosure.page 8/149
June 2024 July 2024 August 2024 September 2024 October 2024 November 2024

Balance Balance Balance Balance Balance Balance

--- $1,724 $2,143 $2,830 $2,570 $2,299

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

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- $40 $42 $126 $125 $125

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

December 2024 January 2025 February 2025 March 2025

Balance Balance Balance Balance

$2,496 $3,106 $3,005 $2,560

Past Due Past Due Past Due Past Due

$0 $0 $0 $0

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment

$125 $214 $215 $210

Rating Rating Rating Rating

OK OK OK OK

Total Month

AMERICAN EXPRESS 349992962586****

Account Information

Address PO BOX 981537 EL PASO, TX 79998

Phone (800) 874-2717

Date Opened 03/09/2022

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

https://annualcreditreport.transunion.com/dss/disclosure.page 9/149
Date Updated 03/09/2025

Pay Status Current Account

Terms Paid Monthly

High Balance (Hist.) High balance of $1,958 from 09/2022 to 03/2025

Credit limit of $32,000 from 09/2022 to 05/2024;

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

Total Month

AMERICAN EXPRESS 349993141825****

Account Information

Address PO BOX 981537 EL PASO, TX 79998

Phone (800) 874-2717

Date Opened 07/21/2023

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

https://annualcreditreport.transunion.com/dss/disclosure.page 12/149
Date Updated 05/21/2024

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 05/09/2024

High Balance (Hist.) High balance of $162 from 09/2023 to 05/2024

Credit Limit (Hist.) Credit limit of $2,000 from 09/2023 to 05/2024

Remarks Account closed at consumer's request; CLOSED

Payment History

August 2023 September 2023 October 2023 November 2023 December 2023 January 2024

Balance Balance Balance Balance Balance Balance

--- $3 $0 $0 $0 $0

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

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- $3 --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

February 2024 March 2024 April 2024 May 2024

Balance Balance Balance Balance

$0 $0 $0 $0

Past Due Past Due Past Due Past Due

$0 $0 $0 $0

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment

--- --- --- ---

Rating Rating Rating Rating

OK OK OK OK

Total Month

https://annualcreditreport.transunion.com/dss/disclosure.page 13/149
AMERICAN EXPRESS 349992467602****

Account Information

Address PO BOX 981537 EL PASO, TX 79998

Phone (800) 874-2717

Date Opened 06/21/2017

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 09/18/2022

High Balance $0

Credit Limit $6,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 04/26/2018

Rating Rating Rating Rating Rating Rating

X X X X X X

https://annualcreditreport.transunion.com/dss/disclosure.page 15/149
January 2022 February 2022 March 2022 April 2022 May 2022 June 2022

Rating Rating Rating Rating Rating Rating

X X X X X X

July 2022 August 2022

Rating Rating
X X

Total Month

AMERICAN EXPRESS 349992085636****

Account Information

Address PO BOX 981537 EL PASO, TX 79998

Phone (800) 874-2717

Date Opened 12/03/2013

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 07/20/2021

High Balance $678

Credit Limit $1,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Address PO BOX 981537 EL PASO, TX 79998

Phone (800) 874-2717

Date Opened 01/15/2013

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 05/11/2018

High Balance $3,336

Credit Limit $10,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

August 2017 September 2017 October 2017 November 2017 December 2017 January 2018

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

February 2018 March 2018 April 2018

Rating Rating Rating

OK OK OK

Total Month

AMEX/CITIBANK, N.A. 37748101231****

Account Information

Address PO BOX 8218 MASON, OH 45040

Phone Phone number not available

Date Opened 02/21/2020

Responsibility Individual Account

Account Type Revolving Account

https://annualcreditreport.transunion.com/dss/disclosure.page 20/149
Loan Type CREDIT CARD

Balance $0

Date Updated 08/14/2024

Last Payment Made 05/18/2023

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 05/01/2024

Date Paid 05/18/2023

High balance of $235 from 09/2022 to 05/2024; $235

High Balance (Hist.) from 08/2024 to 08/2024

Credit limit of $1,200 from 09/2022 to 05/2024; $1,200

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

Total Month

APPLE CARD - GS BANK USA 110001110315****

Account Information

Address 11850 S ELECTION RD DRAPER, UT 84020

Phone (877) 255-5923

Date Opened 08/15/2019

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 02/28/2025

Last Payment Made 01/01/2023

Pay Status Current Account

Terms Paid Monthly

Date Paid 01/01/2023

https://annualcreditreport.transunion.com/dss/disclosure.page 26/149
High Balance (Hist.) High balance of $91 from 09/2022 to 02/2025

Credit limit of $17,500 from 09/2022 to 06/2023;

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

September 2024 October 2024 November 2024 December 2024 January 2025 February 2025

Balance Balance Balance Balance Balance Balance

$0 $0 $0 $0 $0 $0

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

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

Total Month

BANK OF AMERICA 440066570215****

Account Information

https://annualcreditreport.transunion.com/dss/disclosure.page 30/149
100 N TRYON STREET,NC1-0007-19-26 CHARLOTTE, NC
Address 28255

Phone (800) 421-2110

Date Opened 08/19/2022

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 03/26/2025

Last Payment Made 01/18/2025

Pay Status Current Account

Terms Paid Monthly

Date Paid 01/18/2025

Credit limit of $20,000 from 09/2022 to 04/2024;

Credit Limit (Hist.) $30,000 from 05/2024 to 03/2025

Payment History

https://annualcreditreport.transunion.com/dss/disclosure.page 31/149
August 2022 September 2022 October 2022 November 2022 December 2022 January 2023

Balance Balance Balance Balance Balance Balance

--- $331 $797 $763 $920 $1,528

High Credit High Credit High Credit High Credit High Credit High Credit
--- $331 $797 $880 $1,078 $1,557

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

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- $35 $35 $35 $35 $35

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

February 2023 March 2023 April 2023 May 2023 June 2023 July 2023

Balance Balance Balance Balance Balance Balance

$1,368 $1,513 $1,585 $1,772 $2,112 $2,244

High Credit High Credit High Credit High Credit High Credit High Credit
$1,614 $1,691 $1,774 $1,774 $2,286 $2,608

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

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$35 $35 $35 $35 $35 $35

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 32/149
August 2023 September 2023 October 2023 November 2023 December 2023 January 2024

Balance Balance Balance Balance Balance Balance

$3,007 $75 $134 $155 $4 $741

High Credit High Credit High Credit High Credit High Credit High Credit
$3,287 $3,287 $3,287 $3,287 $3,287 $3,287

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

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$35 $35 $35 $35 $4 $35

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

February 2024 March 2024 April 2024 May 2024 June 2024 July 2024

Balance Balance Balance Balance Balance Balance

$1,568 $1,463 $1,258 $1,202 $829 $592

High Credit High Credit High Credit High Credit High Credit High Credit
$3,287 $3,287 $3,287 $3,287 $3,287 $3,287

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

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$35 $36 $35 $35 $35 $35

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 33/149
August 2024 September 2024 October 2024 November 2024 December 2024 January 2025

Balance Balance Balance Balance Balance Balance

$181 $2 $153 $0 $0 $0

High Credit High Credit High Credit High Credit High Credit High Credit
$3,287 $3,287 $3,287 $3,287 $3,287 $3,287

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

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$35 $2 $35 --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

February 2025 March 2025

Balance Balance
$0 $0

High Credit High Credit

$3,287 $3,287

Past Due Past Due

$0 $0

Scheduled Payment Scheduled Payment

--- ---

Rating Rating
OK OK

Total Month

BANK OF AMERICA 440066518512****

Account Information

100 N TRYON STREET,NC1-0007-19-26 CHARLOTTE, NC

Address 28255

Phone (800) 421-2110

Date Opened 08/28/2019

Responsibility Individual Account

https://annualcreditreport.transunion.com/dss/disclosure.page 34/149
Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 03/25/2025

Last Payment Made 12/14/2024

Pay Status Current Account

Terms Paid Monthly

Date Paid 12/14/2024

High Balance (Hist.) High balance of $21,119 from 09/2022 to 03/2025

Credit limit of $55,600 from 09/2022 to 04/2023;

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

September 2024 October 2024 November 2024 December 2024 January 2025 February 2025

Balance Balance Balance Balance Balance Balance

$7 $0 $34 $0 $0 $22

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

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$7 --- $25 --- --- $22

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

March 2025

Balance
$0

Past Due
$0

Scheduled Payment
---

Rating
OK

Total Month

BANK OF AMERICA 519947130872****

Account Information

https://annualcreditreport.transunion.com/dss/disclosure.page 39/149
100 N TRYON STREET,NC1-0007-19-26 CHARLOTTE, NC
Address 28255

Phone (800) 421-2110

Date Opened 05/03/2023

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 05/14/2023

High Balance $0

Credit Limit $19,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 05/03/2023

Remarks Account closed at consumer's request; CLOSED

BANK OF AMERICA 440066460446****

Account Information

100 N TRYON STREET,NC1-0007-19-26 CHARLOTTE, NC

Address 28255

Phone (800) 421-2110

Date Opened 01/05/2021

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

https://annualcreditreport.transunion.com/dss/disclosure.page 40/149
Balance $0

Date Updated 09/18/2022

Last Payment Made 08/19/2022

High Balance $3,766

Credit Limit $3,400

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 08/19/2022

Date Paid 08/19/2022

Remarks Account closed at consumer's request; CLOSED

Payment History

January 2021 February 2021 March 2021 April 2021 May 2021 June 2021

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

July 2021 August 2021 September 2021 October 2021 November 2021 December 2021

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

January 2022 February 2022 March 2022 April 2022 May 2022 June 2022

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

July 2022 August 2022

Rating Rating
OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 41/149
Total Month

BANK OF AMERICA 440066769739****

Account Information

100 N TRYON STREET,NC1-0007-19-26 CHARLOTTE, NC

Address 28255

Phone (800) 421-2110

Date Opened 08/04/2014

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 01/07/2021

Last Payment Made 10/13/2020

High Balance $6,180

Credit Limit $19,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 01/05/2021

Total Month

BANK OF AMERICA 552433878847****

Account Information

100 N TRYON STREET,NC1-0007-19-26 CHARLOTTE, NC

Address 28255

Phone (800) 421-2110

https://annualcreditreport.transunion.com/dss/disclosure.page 44/149
Date Opened 04/26/2018

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 05/26/2020

Last Payment Made 05/09/2020

High Balance $14,164

Credit Limit $3,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 05/06/2020

100 N TRYON STREET,NC1-007-19-26 CHARLOTTE, NC

Address 28255

Phone (800) 421-2110

Date Opened 06/24/2014

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Balance $0

Date Updated 04/25/2018

Last Payment Made 05/10/2016

High Balance $8,552

Credit Limit $20,500

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

December 2017 January 2018 February 2018 March 2018

Rating Rating Rating Rating

OK OK OK OK

Total Month

BARCLAYS BANK DELAWARE 00033601594****

Account Information

Address PO BOX 8803 WILMINGTON, DE 19899

Phone (888) 232-0780

Date Opened 08/29/2019

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Balance $0

Date Updated 09/16/2019

Payment Received $0

High Balance $0

Credit Limit $9,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 09/02/2019

https://annualcreditreport.transunion.com/dss/disclosure.page 48/149
Remarks Account closed at consumer's request; CLOSED

Payment History

August 2019

Rating
OK

Total Mon

BARCLAYS BANK DELAWARE 00028437434****

Account Information

Address PO BOX 8803 WILMINGTON, DE 19899

Phone (888) 232-0780

Date Opened 03/26/2017

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Balance $0

Date Updated 03/24/2019

Payment Received $4

Last Payment Made 03/15/2019

High Balance $5,458

Credit Limit $6,800

Pay Status Paid, Closed; was Paid as agreed

BARCLAYS BANK DELAWARE 00024366204****

Account Information

Address PO BOX 8803 WILMINGTON, DE 19899

Phone (888) 232-0780

Date Opened 06/16/2015

Responsibility Individual Account

Account Type Revolving Account

https://annualcreditreport.transunion.com/dss/disclosure.page 50/149
Loan Type CREDIT CARD

Balance $0

Date Updated 04/11/2016

Payment Received $0

Last Payment Made 08/10/2015

High Balance $228

Credit Limit $500

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 04/03/2016

Date Paid 08/10/2015

Remarks Account closed at consumer's request; CLOSED

Payment History

June 2015 July 2015 August 2015 September 2015 October 2015 November 2015

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

December 2015 January 2016 February 2016 March 2016

Rating Rating Rating Rating

OK OK OK OK

Total Month

BARCLAYS BANK DELAWARE/BANANA REPUBLIC 00050231608****

Account Information

Address P.O. BOX 8803 WILMINGTON, DE 19899

https://annualcreditreport.transunion.com/dss/disclosure.page 51/149
Phone (866) 370-5931

Date Opened 04/08/2023

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 05/20/2024

Payment Received $0

Last Payment Made 05/20/2023

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 04/30/2024

Date Paid 05/20/2023

High balance of $100 from 04/2023 to 04/2023; $136

High Balance (Hist.) from 05/2023 to 05/2024

Credit limit of $15,000 from 04/2023 to 04/2023; $500

Credit Limit (Hist.) from 05/2023 to 05/2024

Remarks Account closed at consumer's request; CLOSED

Payment History

https://annualcreditreport.transunion.com/dss/disclosure.page 52/149
April 2023 May 2023 June 2023 July 2023 August 2023 September 2023

Balance Balance Balance Balance Balance Balance

$100 $36 $0 $0 $0 $0

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$0 $100 $36 $0 $0 $0

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$0 $30 --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

October 2023 November 2023 December 2023 January 2024 February 2024 March 2024

Balance Balance Balance Balance Balance Balance

$0 $0 $0 $0 $0 $0

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

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

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 53/149
April 2024 May 2024

Balance Balance
$0 $0

Past Due Past Due

$0 $0

Amount Paid Amount Paid

$0 $0

Scheduled Payment Scheduled Payment

--- ---

Rating Rating
OK OK

Total Month

BEST BUY/CBNA 603535021766****

Account Information

Address 5800 South Corporate Place SIOUX FALLS, SD 57108

Phone Phone number not available

Date Opened 11/27/2014

Responsibility Individual Account

Account Type Revolving Account

Loan Type CHARGE ACCOUNT

Balance $0

Date Updated 03/19/2025

Last Payment Made 02/06/2022

Pay Status Current Account

Terms Paid Monthly

Date Paid 02/06/2022

https://annualcreditreport.transunion.com/dss/disclosure.page 54/149
High Balance (Hist.) High balance of $3,753 from 09/2022 to 03/2025

Credit limit of $1,000 from 09/2022 to 04/2024; $9,000

Rating Rating Rating Rating Rating

OK OK OK OK OK

Total Month

CAP1/KOHLS DEPARTMENT STORE 639305094073****

Account Information

https://annualcreditreport.transunion.com/dss/disclosure.page 59/149
Address PO BOX 3115 MILWAUKEE, WI 53201

Phone (800) 564-5740

Date Opened 11/29/2019

Responsibility Individual Account

Account Type Revolving Account

Loan Type CHARGE ACCOUNT

Balance $0

Date Updated 02/14/2020

Payment Received $0

Last Payment Made 01/09/2020

High Balance $759

Credit Limit $900

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 01/19/2020

Date Paid 01/09/2020

Remarks Account closed at consumer's request; CLOSED

Payment History

December 2019 January 2020

Rating Rating
OK OK

Total Mont

CAP1/KOHLS DEPARTMENT STORE 639305087410****

https://annualcreditreport.transunion.com/dss/disclosure.page 60/149
Account Information

Address PO BOX 3115 MILWAUKEE, WI 53201

Phone (800) 564-5740

Date Opened 08/10/2017

Responsibility Individual Account

Account Type Revolving Account

Loan Type CHARGE ACCOUNT

Balance $0

Date Updated 05/10/2018

Payment Received $0

High Balance $145

Credit Limit $700

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 04/18/2018

Remarks Account closed at consumer's request; CLOSED

Payment History

September 2017 October 2017 November 2017 December 2017 January 2018 February 2018

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

March 2018 April 2018

Rating Rating
OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 61/149
Total Mont

CAPITAL ONE 414709903921****

Account Information

Address P O Box 31293 Salt Lake City, UT 84131

Phone (800) 955-7070

Date Opened 03/29/2016

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Balance $0

Date Updated 07/28/2018

Last Payment Made 06/20/2018

High Balance $7,596

Credit Limit $9,250

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 06/21/2018

Date Paid 06/20/2018

CITICARDS CBNA 542418106887****

Account Information
5800 SOUTH CORPORATE PLACE SIOUX FALLS, SD
Address 57108

Phone (888) 248-4728

Date Opened 11/03/2015

Responsibility Individual Account

Account Type Revolving Account

https://annualcreditreport.transunion.com/dss/disclosure.page 63/149
Loan Type CREDIT CARD

Balance $0

Date Updated 03/23/2020

Last Payment Made 11/07/2017

High Balance $3,762

Credit Limit $12,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 04/27/2018

May 2019 June 2019 July 2019 August 2019 September 2019 October 2019

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2019 December 2019 January 2020 February 2020

Rating Rating Rating Rating

OK OK OK OK

Total Month

CITICARDS CBNA 410039002297****

Account Information

5800 SOUTH CORPORATE PLACE SIOUX FALLS, SD

Address 57108

Phone (855) 378-6467

https://annualcreditreport.transunion.com/dss/disclosure.page 65/149
Date Opened 06/25/2016

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Balance $0

Date Updated 03/17/2020

Last Payment Made 07/19/2016

High Balance $34

Credit Limit $6,500

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 06/12/2017

Date Paid 07/19/2016

COMENITY BANK/EXPRESS 211711045672****

Account Information
3095 LOYALTY CIRCLE,BUILDING A COLUMBUS, OH
Address 43219

Phone Phone number not available

Date Opened 03/01/2024

Responsibility Individual Account

Account Type Revolving Account

https://annualcreditreport.transunion.com/dss/disclosure.page 67/149
Loan Type CHARGE ACCOUNT

Balance $0

Date Updated 03/19/2025

Payment Received $0

Pay Status Current Account

Terms Paid Monthly

High Balance (Hist.) High balance of $0 from 03/2024 to 03/2025

Credit Limit (Hist.) Credit limit of $750 from 03/2024 to 03/2025

Payment History

March 2024 April 2024 May 2024 June 2024 July 2024 August 2024

Balance Balance Balance Balance Balance Balance

$0 $0 $0 $0 $0 $0

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

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

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

September 2024 October 2024 November 2024 December 2024 January 2025 February 2025

Balance Balance Balance Balance Balance Balance

$0 $0 $0 $0 $0 $0

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

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

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 68/149
March 2025

Balance
$0

Past Due
$0

Amount Paid
$0

Rating
OK

Total Month

COMENITYBANK/KAY JEWELERS 778850401394****

Account Information

3095 LOYALTY CIRCLE,BUILDING A COLUMBUS, OH

Address 43219

Phone Phone number not available

Date Opened 02/08/2020

Responsibility Individual Account

Account Type Revolving Account

Loan Type CHARGE ACCOUNT

Balance $0

Date Updated 06/06/2020

Payment Received $0

High Balance $807

Credit Limit $6,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

https://annualcreditreport.transunion.com/dss/disclosure.page 69/149
Date Closed 05/05/2020

Remarks Account closed at consumer's request; CLOSED

Payment History

March 2020 April 2020 May 2020

Rating Rating Rating

OK OK OK

Total Mont

COMENITYCAPITALBANK/DELL 578097006148****

Account Information

Address PO BOX 182120 COLUMBUS, OH 43218

Phone Phone number not available

Date Opened 11/19/2023

Responsibility Individual Account

Account Type Revolving Account

Loan Type CHARGE ACCOUNT

Balance $0

Date Updated 03/12/2025

Payment Received $0

Pay Status Current Account

Terms Paid Monthly

High Balance (Hist.) High balance of $0 from 12/2023 to 03/2025

Credit Limit (Hist.) Credit limit of $5,000 from 12/2023 to 03/2025

Payment History
https://annualcreditreport.transunion.com/dss/disclosure.page 70/149
December 2023 January 2024 February 2024 March 2024 April 2024 May 2024

Balance Balance Balance Balance Balance Balance

$0 $0 $0 $0 $0 $0

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

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

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

June 2024 July 2024 August 2024 September 2024 October 2024 November 2024

Balance Balance Balance Balance Balance Balance

$0 $0 $0 $0 $0 $0

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

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

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

December 2024 January 2025 February 2025 March 2025

Balance Balance Balance Balance

$0 $0 $0 $0

Past Due Past Due Past Due Past Due

$0 $0 $0 $0

Amount Paid Amount Paid Amount Paid Amount Paid

$0 $0 $0 $0

Rating Rating Rating Rating

OK OK OK OK

Total Month

DELL FINL SVCS WEB BANK 687945012200093****

Account Information

https://annualcreditreport.transunion.com/dss/disclosure.page 71/149
Address P O BOX 81607 AUSTIN, TX 78708

Phone (800) 283-2210

Date Opened 02/22/2017

Responsibility Individual Account

Account Type Revolving Account

Loan Type CHARGE ACCOUNT

Balance $0

Date Updated 06/29/2018

Payment Received $0

High Balance $0

Credit Limit $3,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 05/04/2018

Remarks Account closed at consumer's request; CLOSED

Payment History

February 2017 March 2017 April 2017 May 2017 June 2017 July 2017

Rating Rating Rating Rating Rating Rating

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

August 2017 September 2017 October 2017 November 2017 December 2017 January 2018

Rating Rating Rating Rating Rating Rating

N/R N/R N/R N/R N/R N/R

https://annualcreditreport.transunion.com/dss/disclosure.page 72/149
February 2018 March 2018 April 2018 May 2018

Rating Rating Rating Rating

N/R N/R OK OK

Total Month

DIGITAL FED CU 555824****

Account Information

Address 853 DONALD LYNCH BLVD MARLBOROUGH, MA 01752

Phone (800) 328-8797

Date Opened 12/04/2013

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 02/28/2025

Payment Received $0

Last Payment Made 07/02/2021

Pay Status Current Account

Terms Paid Monthly

High balance of $5,000 from 09/2022 to 03/2023;

$5,000 from 05/2023 to 08/2023; $5,000 from 10/2023
High Balance (Hist.) to 02/2025

Credit limit of $24,000 from 09/2022 to 03/2023;

Rating Rating Rating Rating Rating

OK OK OK OK OK

Total Month

DIGITAL FED CU 555824****

Account Information

Address 853 DONALD LYNCH BLVD MARLBOROUGH, MA 01752

Phone (800) 328-8797

Monthly Payment $122

Date Opened 05/15/2020

Responsibility Individual Account

Account Type Installment Account

Loan Type UNSECURED

https://annualcreditreport.transunion.com/dss/disclosure.page 78/149
Balance $577

Date Updated 02/28/2025

Payment Received $122

Last Payment Made 02/10/2025

Pay Status Current Account

Terms $122 per month, paid Monthly for 60 months

High balance of $6,300 from 09/2022 to 03/2023;

$6,300 from 05/2023 to 08/2023; $6,300 from 10/2023
High Balance (Hist.) to 02/2025

Payment History

https://annualcreditreport.transunion.com/dss/disclosure.page 79/149
May 2020 June 2020 July 2020 August 2020 September 2020 October 2020

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2020 December 2020 January 2021 February 2021 March 2021 April 2021

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 80/149
May 2021 June 2021 July 2021 August 2021 September 2021 October 2021

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2021 December 2021 January 2022 February 2022 March 2022 April 2022

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 81/149
May 2022 June 2022 July 2022 August 2022 September 2022 October 2022

Balance Balance Balance Balance Balance Balance

--- --- --- --- $3,770 $3,666

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- $122 $122

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- $122 $122

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2022 December 2022 January 2023 February 2023 March 2023 April 2023

Balance Balance Balance Balance Balance Balance

$3,566 $3,462 $3,359 $3,256 $3,149 ---

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$122 $122 $122 $122 $122 ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$122 $122 $122 $122 $122 ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 82/149
May 2023 June 2023 July 2023 August 2023 September 2023 October 2023

Balance Balance Balance Balance Balance Balance

$2,938 $2,832 $2,725 $2,617 --- $2,400

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$122 $122 $122 $122 --- $122

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$122 $122 $122 $122 --- $122

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2023 December 2023 January 2024 February 2024 March 2024 April 2024

Balance Balance Balance Balance Balance Balance

$2,291 $2,180 $2,071 $1,959 $1,847 $1,735

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$122 $122 $122 $122 $122 $122

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$122 $122 $122 $122 $122 $122

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 83/149
May 2024 June 2024 July 2024 August 2024 September 2024 October 2024

Balance Balance Balance Balance Balance Balance

$1,622 $1,509 $1,394 $1,279 $1,164 $1,048

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$122 $122 $122 $122 $122 $122

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$122 $122 $122 $122 $122 $122

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2024 December 2024 January 2025 February 2025

Balance Balance Balance Balance

$931 $814 $696 $577

Past Due Past Due Past Due Past Due

$0 $0 $0 $0

Amount Paid Amount Paid Amount Paid Amount Paid

$122 $122 $122 $122

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment

$122 $122 $122 $122

Rating Rating Rating Rating

OK OK OK OK

Total Month

DIGITAL FED CU 555824****

Account Information

Address 853 DONALD LYNCH BLVD MARLBOROUGH, MA 01752

Phone (800) 328-8797

Monthly Payment $131

Date Opened 05/15/2020

https://annualcreditreport.transunion.com/dss/disclosure.page 84/149
Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $485

Date Updated 02/28/2025

Payment Received $131

Last Payment Made 02/21/2025

Pay Status Current Account

Terms $131 per month, paid Monthly for 60 months

High balance of $7,430 from 09/2022 to 03/2023;

$7,430 from 05/2023 to 08/2023; $7,430 from 10/2023
High Balance (Hist.) to 02/2025

Payment History

https://annualcreditreport.transunion.com/dss/disclosure.page 85/149
May 2020 June 2020 July 2020 August 2020 September 2020 October 2020

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2020 December 2020 January 2021 February 2021 March 2021 April 2021

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 86/149
May 2021 June 2021 July 2021 August 2021 September 2021 October 2021

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2021 December 2021 January 2022 February 2022 March 2022 April 2022

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 87/149
May 2022 June 2022 July 2022 August 2022 September 2022 October 2022

Balance Balance Balance Balance Balance Balance

--- --- --- --- $4,139 $4,017

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- $131 $131

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- $131 $131

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2022 December 2022 January 2023 February 2023 March 2023 April 2023

Balance Balance Balance Balance Balance Balance

$3,896 $3,773 $3,650 $3,528 $3,404 ---

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$131 $131 $131 $131 $131 ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$131 $131 $131 $131 $131 ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 88/149
May 2023 June 2023 July 2023 August 2023 September 2023 October 2023

Balance Balance Balance Balance Balance Balance

$3,157 $3,033 $2,908 $2,784 --- $2,533

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$131 $131 $131 $131 --- $131

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$131 $131 $131 $131 --- $131

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2023 December 2023 January 2024 February 2024 March 2024 April 2024

Balance Balance Balance Balance Balance Balance

$2,408 $2,282 $2,156 $2,029 $1,902 $1,775

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$131 $131 $131 $131 $131 $131

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$131 $131 $131 $131 $131 $131

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 89/149
May 2024 June 2024 July 2024 August 2024 September 2024 October 2024

Balance Balance Balance Balance Balance Balance

$1,648 $1,520 $1,392 $1,263 $1,134 $1,005

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$131 $131 $131 $131 $131 $131

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$131 $131 $131 $131 $131 $131

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2024 December 2024 January 2025 February 2025

Balance Balance Balance Balance

$876 $746 $616 $485

Past Due Past Due Past Due Past Due

$0 $0 $0 $0

Amount Paid Amount Paid Amount Paid Amount Paid

$131 $131 $131 $131

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment

$131 $131 $131 $131

Rating Rating Rating Rating

OK OK OK OK

Total Month

DIGITAL FED CU 555824****

Account Information

Address 853 DONALD LYNCH BLVD MARLBOROUGH, MA 01752

Phone (800) 328-8797

Monthly Payment $0

Date Opened 04/11/2017

https://annualcreditreport.transunion.com/dss/disclosure.page 90/149
Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $0

Date Updated 05/15/2020

Payment Received $3,730

Last Payment Made 04/20/2020

High Balance $8,015

Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 65 months

Date Closed 05/15/2020

Remarks CLOSED

OK OK OK OK OK OK

April 2020

Rating
OK

Total Month

DISCOVER BANK 601101372313****

Account Information

Address PO BOX 30939 SALT LAKE CITY, UT 84130

Phone (800) 347-2683

Date Opened 03/08/2022

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 03/25/2025

https://annualcreditreport.transunion.com/dss/disclosure.page 92/149
Pay Status Current Account

Terms Paid Monthly

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

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- $35 --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

March 2025

Balance
$0

Past Due
$0

Scheduled Payment
---

Rating
OK

Total Month

DISCOVER BANK 601100043836****

Account Information

Address PO BOX 30939 SALT LAKE CITY, UT 84130

Phone (800) 347-2683

Date Opened 02/05/2015

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

https://annualcreditreport.transunion.com/dss/disclosure.page 95/149
Date Updated 02/19/2021

Last Payment Made 08/20/2018

High Balance $4,120

Credit Limit $800

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 02/08/2021

Date Paid 08/20/2018

Remarks CLOSED

Date Opened 07/05/2016

Responsibility Individual Account

Account Type Line of Credit Account

Loan Type LINE OF CREDIT

Balance $0

Date Updated 02/28/2025

Payment Received $0

Pay Status Current Account

Terms Paid Monthly

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

Rating Rating Rating Rating Rating

OK OK OK OK OK

Total Month

FIRST TECH FCU 526102000006****

Account Information

Address PO BOX 2100 BEAVERTON, CA 97075

Phone (877) 233-4766

Date Opened 07/09/2015

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

https://annualcreditreport.transunion.com/dss/disclosure.page 103/149
Date Updated 02/16/2020

Payment Received $0

High Balance $0

Credit Limit $10,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

January 2020

Rating
OK

Total Month

JPMCB CARD SERVICES 414740045036****

Account Information

Address PO BOX 15369 WILMINGTON, DE 19850

Phone (800) 945-2000

https://annualcreditreport.transunion.com/dss/disclosure.page 105/149
Date Opened 12/05/2024

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Balance $0

Date Updated 03/11/2025

Last Payment Made 03/11/2025

Pay Status Current Account

Terms Paid Monthly

Date Paid 03/11/2025

High balance of $0 from 01/2025 to 02/2025; $24 from

High Balance (Hist.) 03/2025 to 03/2025

Credit Limit (Hist.) Credit limit of $26,600 from 01/2025 to 03/2025

Payment History

January 2025 February 2025 March 2025

Balance Balance Balance

$0 $0 $0

Past Due Past Due Past Due

$0 $0 $0

Rating Rating Rating

OK OK OK

Total Mont

JPMCB CARD SERVICES 414720240611****

Account Information

Address PO BOX 15369 WILMINGTON, DE 19850

https://annualcreditreport.transunion.com/dss/disclosure.page 106/149
Phone (800) 945-2000

Date Opened 06/06/2019

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Balance $0

Date Updated 07/05/2019

High Balance $0

Credit Limit $19,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 06/22/2019

Remarks Account closed at consumer's request; CLOSED

JPMCB CARD SERVICES 426684137665****

Account Information

Address PO BOX 15369 WILMINGTON, DE 19850

Phone (800) 945-2000

Date Opened 08/20/2014

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Balance $0

Date Updated 07/20/2017

https://annualcreditreport.transunion.com/dss/disclosure.page 107/149
Last Payment Made 10/08/2015

High Balance $4,167

Credit Limit $20,500

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 06/25/2017

Date Paid 10/08/2015

Remarks CLOSED

Date Opened 07/20/2015

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Balance $0

Date Updated 08/21/2016

Last Payment Made 10/30/2015

High Balance $11

Credit Limit $2,500

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 07/21/2016

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Date Paid 10/30/2015

Remarks Account closed at consumer's request; CLOSED

Payment History

August 2015 September 2015 October 2015 November 2015 December 2015 January 2016

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

February 2016 March 2016 April 2016 May 2016 June 2016 July 2016

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

Total Month

MACYS/CITIBANK, N.A. 603534008118****

Account Information

Address PO BOX 8218 MASON, OH 45050

Phone (800) 289-6229

Date Opened 07/28/2018

Responsibility Individual Account

Account Type Revolving Account

Loan Type CHARGE ACCOUNT

Balance $0

Date Updated 12/21/2019

Last Payment Made 12/14/2018

High Balance $135

Credit Limit $1,600

https://annualcreditreport.transunion.com/dss/disclosure.page 110/149
Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 02/17/2019

Date Paid 12/14/2018

Remarks Account closed at consumer's request; CLOSED

Payment History

August 2018 September 2018 October 2018 November 2018 December 2018 January 2019

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

February 2019 March 2019 April 2019 May 2019 June 2019 July 2019

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

August 2019 September 2019 October 2019 November 2019

Rating Rating Rating Rating

OK OK OK OK

Total Month

NORDSTROMTDBANKUSA 447043111186****

Account Information

Address 13531 E CALEY AVE ENGLEWOOD, CO 80111

Phone (800) 964-1800

Date Opened 03/09/2018

Responsibility Individual Account

Account Type Revolving Account

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Loan Type CREDIT CARD

Balance $0

Date Updated 07/09/2018

Payment Received $0

High Balance $50

Credit Limit $5,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 04/26/2018

Remarks Account closed at consumer's request; CLOSED

Payment History

March 2018 April 2018 May 2018 June 2018

Rating Rating Rating Rating

OK OK OK OK

Total Mont

SYNCB/AMAZON PLCC 604578162518****

Account Information

Address PO BOX 71737 PHILADELPHIA, PA 71737

Phone (866) 634-8379

Monthly Payment $29

Date Opened 11/08/2023

Responsibility Individual Account

Account Type Revolving Account

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Loan Type CHARGE ACCOUNT

Balance $95

Date Updated 03/06/2025

Payment Received $0

Last Payment Made 02/23/2025

Pay Status Current Account

Terms $29 per month; paid Monthly

High Balance (Hist.) High balance of $773 from 11/2023 to 03/2025

Credit limit of $1,100 from 11/2023 to 04/2024; $3,300

Credit Limit (Hist.) from 05/2024 to 03/2025

Payment History

https://annualcreditreport.transunion.com/dss/disclosure.page 113/149
November 2023 December 2023 January 2024 February 2024 March 2024 April 2024

Balance Balance Balance Balance Balance Balance

$703 $621 $585 $521 $458 $396

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$0 $62 $63 $64 $64 $63

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$62 $63 $64 $64 $63 $63

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

May 2024 June 2024 July 2024 August 2024 September 2024 October 2024

Balance Balance Balance Balance Balance Balance

$333 $285 $341 $302 $236 $170

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$63 $49 $49 $66 $67 $67

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$49 $49 $66 $67 $67 $67

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 114/149
November 2024 December 2024 January 2025 February 2025 March 2025

Balance Balance Balance Balance Balance

$104 $95 $68 $80 $95

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$67 $29 $29 $29 $0

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$29 $29 $29 $29 $29

Rating Rating Rating Rating Rating

OK OK OK OK OK

Total Mont

SYNCB/AMAZON PLCC 604578112338****

Account Information

Address PO BOX 71737 PHILADELPHIA, PA 71737

Phone (866) 634-8379

Date Opened 08/10/2018

Responsibility Individual Account

Account Type Revolving Account

Loan Type CHARGE ACCOUNT

Balance $0

Date Updated 05/26/2020

Payment Received $0

Last Payment Made 05/08/2019

High Balance $130

Credit Limit $1,300

https://annualcreditreport.transunion.com/dss/disclosure.page 115/149
Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 01/19/2020

Date Paid 05/08/2019

Remarks Account closed at consumer's request; CLOSED

Payment History

August 2018 September 2018 October 2018 November 2018 December 2018 January 2019

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

February 2019 March 2019 April 2019 May 2019 June 2019 July 2019

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

August 2019 September 2019 October 2019 November 2019 December 2019 January 2020

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

February 2020 March 2020 April 2020

Rating Rating Rating

OK OK OK

Total Month

SYNCB/AMAZON PLCC 604578107751****

Account Information

Address PO BOX 71737 PHILADELPHIA, PA 71737

Phone (866) 634-8379

https://annualcreditreport.transunion.com/dss/disclosure.page 116/149
Date Opened 10/30/2015

Responsibility Individual Account

Account Type Revolving Account

Loan Type CHARGE ACCOUNT

Balance $0

Date Updated 04/27/2018

Payment Received $0

High Balance $0

Credit Limit $1,024

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Total Month

SYNCB/AMERICAN EAGLE 478431107798****

Account Information

Address PO BOX 965005 ORLANDO, FL 32896-5005

Phone (800) 843-0875

Date Opened 12/20/2022

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 03/30/2023

Payment Received $0

Last Payment Made 01/08/2023

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 01/24/2023

Date Paid 01/08/2023

https://annualcreditreport.transunion.com/dss/disclosure.page 118/149
High balance of $69 from 12/2022 to 01/2023; $69 from
High Balance (Hist.) 03/2023 to 03/2023

Credit limit of $2,500 from 12/2022 to 01/2023; $2,500

Credit Limit (Hist.) from 03/2023 to 03/2023

Payment History

December 2022 January 2023 February 2023 March 2023

Balance Balance Balance Balance

$69 $0 --- $0

Past Due Past Due Past Due Past Due

$0 $0 --- $0

Amount Paid Amount Paid Amount Paid Amount Paid

$0 $69 --- $0

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment

$30 --- --- ---

Remarks Remarks Remarks Remarks

--- CBC/CLO --- CBC/CLO

Rating Rating Rating Rating

OK OK OK OK

Total Mont

SYNCB/AMERICAN EAGLE 478431151015****

Account Information

Address PO BOX 965005 ORLANDO, FL 32896-5005

Phone (800) 843-0875

Date Opened 06/29/2015

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

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Date Updated 05/18/2017

Payment Received $0

High Balance $0

Credit Limit $4,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Address PO BOX 965005 ORLANDO, FL 32896-5055

Phone (800) 843-0875

Date Opened 10/05/2014

Responsibility Individual Account

Account Type Revolving Account

Loan Type CHARGE ACCOUNT

Balance $0

Date Updated 10/18/2017

Payment Received $0

Last Payment Made 04/03/2015

High Balance $385

Credit Limit $1,400

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

April 2017 May 2017 June 2017 July 2017 August 2017 September 2017

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

Total Month

SYNCB/BANAREPDC 447993110013****

Account Information

Address PO BOX 965005 ORLANDO, FL 32896-5005

Phone (866) 450-2330

https://annualcreditreport.transunion.com/dss/disclosure.page 122/149
Date Opened 08/31/2017

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 07/27/2018

Payment Received $0

Last Payment Made 01/18/2018

High Balance $196

Credit Limit $800

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 01/18/2018

Date Paid 01/18/2018

Remarks Account closed at consumer's request; CLOSED

Payment History

August 2017 September 2017 October 2017 November 2017 December 2017 January 2018

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

February 2018 March 2018 April 2018 May 2018 June 2018

Rating Rating Rating Rating Rating

OK OK OK OK OK

Total Mont

https://annualcreditreport.transunion.com/dss/disclosure.page 123/149
SYNCB/PPC 604419211580****

Account Information

Address PO BOX 965005 ORLANDO, FL 32896

Phone (844) 373-4961

Monthly Payment $30

Date Opened 09/28/2014

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $591

Date Updated 03/03/2025

Payment Received $300

Last Payment Made 02/14/2025

Pay Status Current Account

Terms $30 per month; paid Monthly

High Balance (Hist.) High balance of $5,725 from 09/2022 to 03/2025

Credit limit of $6,900 from 09/2022 to 02/2023;

Credit Limit (Hist.) $10,000 from 03/2023 to 03/2025

Payment History

https://annualcreditreport.transunion.com/dss/disclosure.page 124/149
May 2019 June 2019 July 2019 August 2019 September 2019 October 2019

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2019 December 2019 January 2020 February 2020 March 2020 April 2020

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 125/149
May 2020 June 2020 July 2020 August 2020 September 2020 October 2020

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2020 December 2020 January 2021 February 2021 March 2021 April 2021

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 126/149
May 2021 June 2021 July 2021 August 2021 September 2021 October 2021

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2021 December 2021 January 2022 February 2022 March 2022 April 2022

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 127/149
May 2022 June 2022 July 2022 August 2022 September 2022 October 2022

Balance Balance Balance Balance Balance Balance

--- --- --- --- $807 $631

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- $200 $200

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- $30 $30

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2022 December 2022 January 2023 February 2023 March 2023 April 2023

Balance Balance Balance Balance Balance Balance

$461 $621 $454 $338 $247 $283

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$200 $200 $200 $200 $200 $200

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$30 $30 $30 $30 $30 $30

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 128/149
May 2023 June 2023 July 2023 August 2023 September 2023 October 2023

Balance Balance Balance Balance Balance Balance

$262 $209 $1,196 $1,998 $1,960 $1,660

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$455 $200 $200 $200 $300 $300

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$30 $30 $0 $30 $30 $30

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2023 December 2023 January 2024 February 2024 March 2024 April 2024

Balance Balance Balance Balance Balance Balance

$1,379 $1,104 $825 $848 $885 $409

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$300 $300 $300 $300 $300 $300

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$30 $30 $30 $30 $30 $30

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

https://annualcreditreport.transunion.com/dss/disclosure.page 129/149
May 2024 June 2024 July 2024 August 2024 September 2024 October 2024

Balance Balance Balance Balance Balance Balance

$293 $319 $408 $496 $340 $204

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$200 $200 $200 $0 $200 $200

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$30 $30 $30 $30 $30 $30

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2024 December 2024 January 2025 February 2025 March 2025

Balance Balance Balance Balance Balance

$151 $505 $555 $578 $591

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

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$200 $275 $200 $300 $300

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$30 $30 $30 $30 $30

Rating Rating Rating Rating Rating

OK OK OK OK OK

Total Mont

TD BANK USA/TARGET CREDI 585975213822****

Account Information

Address PO BOX 1470 MINNEAPOLIS, MN 55440

Phone Phone number not available

Date Opened 12/27/2018

Responsibility Individual Account

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Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 02/27/2019

Payment Received $0

High Balance $0

Credit Limit $2,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 02/16/2019

Remarks Account closed at consumer's request; CLOSED

Payment History

January 2019

Rating
OK

Total Mon

Inquiries

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

Name

US BANK

PO BOX 71723 11/07/2023 (855) 411-4729
PHILADELPHIA, PA 19176

Inquiry Type Permissible Purpose

Individual CREDIT TRANSACTION

BARCLAYS BANK DELAWARE

Location Requested On Phone

PO BOX 8803 04/08/2023 (866) 370-5931
WILMINGTON, DE 19899

Inquiry Type
Individual

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

Name

UNIONCREDITINC

629 N HIGH ST 11/06/2024 (844) 552-7621
STE 300
COLUMBUS, OH 43215

SUNBIT, INC.

Location Requested On Phone

10940 WILSHIRE BLVD 09/16/2024 (855) 678-6248
SUITE 1850
LOS ANGELES, CA 90024

PROGRESSIVE INSURANCE

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Location Requested On Phone
PO BOX 43258 07/23/2024 (216) 732-3038
RICHMOND HEIG, OH 44123

Account Review Inquiries

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

Name

TRANSUNION CONSUMER INTE

Location Requested On Phone

PO BOX 71737 03/18/2025 (866) 634-8379
PHILADELPHIA, PA 71737

SYNCB/PPC

Location Requested On Phone

MUKESH DUSA via TRANSUNION INTERACTIVE

Location Requested On Phone

100 CROSS STREET 202 03/24/2025 (844) 580-6816
SAN LUIS OBISPO, CA 93401

FACTACT FREE DISCLOSURE

https://annualcreditreport.transunion.com/dss/disclosure.page 136/149
Location Requested On Phone
P O BOX 1000 03/19/2025 (800) 888-4213
CHESTER, PA 19016

MUKESH DUSA via CREDITWISE CAPITAL1 TU-A

629 NORTH HIGH STREET 11/27/2024 (844) 552-7621
SUITE 300
COLUMBUS, OH 43215

GEICO INSURANCE

Location Requested On Phone

 Additional Information

The following disclosure of information might pertain to you. The additional information may include Special Messages, Office
of Foreign Assets Control ("OFAC") Potential Matches, Inquiry Analysis, Military Lending Act ("MLA") Covered Borrower
Information, Third Party Supplemental Information and/or Consumer Contributed Financial Information. Authorized parties
may also receive the additional information below from TransUnion.

Special Messages
The following Special Messages may be provided to an authorized party when it makes an inquiry into your TransUnion credit
report. These messages provide important details concerning the information contained in your file and/or the authorized
party’s inquiry.

INPUT SSN LIKELY NOT ISSUED PRIOR TO JUNE 2011

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

Requested
Name
On

MUKESH DUSA 01/12/2025

Address
2200 S ROCK RD APT 1410 WICHITA,
KS 67207-5336

Third Party Supplemental Information

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

Supplemental Consumer Credit Information

Data Source:

Teletrack (PO Box 740008, Atlanta, GA 30374, (877) 309-5226)

https://annualcreditreport.transunion.com/dss/disclosure.page 141/149
Requested by: Requested on:
APPLE CARDGS BANK 08/15/2019

Number of Evictions: Auto Finance Inquiries in the Last 3 Months:

0 0

Auto Finance Inquiries in the Last 6 Months: Auto Finance Inquiries in the Last 9 Months:
0 0

Auto Finance Inquiries in the Last 12 Months: Auto Finance Inquiries in the Last 24 Months:
0 0

Auto Finance Inquiries in the Last 7 Years: Cash Advance Inquiries in the Last 3 Months:
0 0

Cash Advance Inquiries in the Last 6 Months: Cash Advance Inquiries in the Last 9 Months:
0 0

Cash Advance Inquiries in the Last 12 Months: Cash Advance Inquiries in the Last 24 Months:
0 0

Cash Advance Inquiries in the Last 7 Years: Misc Financial Services in the Last 7 Years:
0 0

Rent-to-Own Inquiries in the Last 3 Months: Rent-to-Own Inquiries in the Last 6 Months:
0 0

Rent-to-Own Inquiries in the Last 9 Months: Rent-to-Own Inquiries in the Last 12 Months:
0 0

Rent-to-Own Inquiries in the Last 24 Months: Rent-to-Own Inquiries in the Last 7 Years:
0 0

All Alternative Credit Inquiries in the Last 3 months: All Alternative Credit Inquiries in the Last 6 Months:
0 0

All Alternative Credit Inquiries in the Last 24 Months: All Alternative Credit Inquiries in the Last 7 Years:
0 0

Paid Auto Finance Charge-offs in the Last 24 Months: Paid Payday Loan Charge-offs in the Last 24 Months:
0 0

Paid Rent-to-Own Charge-offs in the Last 24 Months: All Paid Charge-offs in the Last 3 Months:
0 0

All Paid Charge-offs in the Last 24 Months: All Paid Charge-offs in the Last 7 Years:
0 0

Open Auto Finance Charge-offs in the Last 24 Months: Open Payday Loan Charge-offs in the Last 24 months:
0 0

Open Rent-to-Own Charge-offs in the Last 24 Months: All Open Charge-offs in the Last 3 Months:
0 0

All Open Charge-offs in the Last 6 Months: All Open Charge-offs in the Last 9 Months:
0 0

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All Open Charge-offs in the Last 12 Months: All Open Charge-offs in the Last 24 Months:
0 0

All Open Charge-offs in the Last 7 Years:

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

Online:

To report an inaccuracy, please visit: service.transunion.com 

For answers to general questions, please visit: www.transunion.com 

By Mail:

TransUnion Consumer Relations

P.O. Box 2000
Chester, PA 19016-2000

By Phone:

(800) 916-8800

You may contact us Monday - Friday 8 AM - 11 PM Eastern Time and Saturday - Sunday 8 AM - 5 PM Eastern Time, except on
major holidays.

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

SUMMARY OF RIGHTS

GENERAL SUMMARY OF RIGHTS UNDER THE FCRA

Para informacion en espanol, visite www.consumerfinance.gov/learnmore  o escribe a la Consumer Financial Protection

Bureau, 1700 G Street NW. Washington, DC 20552.

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of
consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty
agencies (such as agencies that sell information about check writing histories, medical records, and rental history records).
Here is a summary of your major rights under 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 NW, Washington,
DC 20552.

You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of
consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against
you – must tell you, and must give you the name, address, and phone number of the agency that provided the information.

You have the right to know what is in your file. You may request and obtain all the information about you in the files of a
consumer reporting agency (your ‘file disclosure’). You will be required to provide proper identification, which may include
your Social Security Number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:

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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 credit-worthiness based on
information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or
distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you
will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is
incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute
is frivolous. See www.consumerfinance.gov/learnmore  for an explanation of dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate,
incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer
reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency
may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid
need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies
those with a valid need for access.

You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out
information about you to your employer, or a potential employer, without your written consent given to the employer.
Written consent generally is not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore .

You may limit prescreened offers of credit and insurance you get based on information in your credit report. Unsolicited
prescreened offers for credit and insurance must include a toll-free phone number you can call if you choose to remove
your name and address form the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-
888-5-OPTOUT (1-888-567-8688).

The following FCRA right applies with respect to nationwide consumer reporting agencies:

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE. You have a right to place a "security freeze" on your credit
report, which will prohibit a consumer reporting agency from releasing information in your credit report without your
express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your
name without your consent. However, you should be aware that using a security freeze to take control over who gets access
to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of
any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the
extension of credit.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person
or entity, with which you have an existing account that requests information in your credit report for the purposes of
reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring,

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credit line increases, and account upgrades and enhancements.
To place a security freeze, a consumer reporting agency will require you to provide appropriate proof of your identity, which
may include your Social Security Number. You may place a security freeze on your credit report by contacting each of the
three nationwide credit reporting agencies.

Equifax: 1-800-525-6285; www.equifax.com 

Experian: 1-888-397-3742; www.experian.com 

TransUnion: 1-800-680-7289; www.transunion.com 

As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no
cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a
consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If
you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a
furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
You may also have the right to file suit under state law.

Identity theft victims and active duty military personnel have additional rights. For more information, visit
www.consumerfinance.gov/learnmore .

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more
rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney
General. For information about your federal rights, contact:

TYPE OF BUSINESS: CONTACT:

a. Consumer Financial
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their Protection Bureau
affiliates 1700 G Street, N.W.
Washington, DC 20552
b. Federal Trade
Commission
Consumer Response
b. Such affiliates that are not banks, savings associations, or credit unions also should list, in Center
addition to the CFPB: 600 Pennsylvania
Avenue, N.W.
Washington, DC 20580
(877) 382-4357
a. Office of the
Comptroller of the
2. To the extent not included in item 1 above: Currency
a. National banks, federal savings associations, and federal branches and federal agencies of Customer Assistance
foreign banks Group
P.O. Box 53570
Houston, TX 77052

b. State member banks, branches and agencies of foreign banks (other than federal branches, b. Federal Reserve
federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies Consumer Help Center
owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the P.O. Box 1200
Federal Reserve Act. Minneapolis, MN 55480

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c. Division of Depositor
and
Consumer Protection
National Center for
Consumer
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state and Depositor Assistance
savings associations Federal Deposit
Insurance
Corporation
1100 Walnut Street, Box
#11
Kansas City, MO 64106
d. National Credit Union
Administration
Office of Consumer
d. Federal Credit Unions
Financial Protection
1775 Duke Street
Alexandria, VA 22314
Asst. General Counsel for
Office of Aviation
Protection
Department of
3. Air carriers
Transportation
1200 New Jersey Avenue,
S.E.
Washington, DC 20590
Office of Public
Assistance,
Governmental Affairs,
and
4. Creditors Subject to the Surface Transportation Board
Compliance Surface
Transportation Board
395 E Street, S.W.
Washington, DC 20423
Nearest Packers and
5. Creditors Subject to the Packers and Stockyards Act, 1921 Stockyards Division
Regional Office
Associate Administrator,
Office of Capital Access
United States Small
6. Small Business Investment Companies Business Administration
409 Third Street, S.W.,
Suite 8200
Washington, DC 20416
Securities and Exchange
Commission
7. Brokers and Dealers
100 F Street, N.E.
Washington, DC 20549
Farm Credit
Administration
8. Institutions that are members of the Farm Credit System
1501 Farm Credit Drive
McLean, VA 22102-5090

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Federal Trade
Commission
Consumer Response
Center
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above
600 Pennsylvania
Avenue, N.W.
Washington, DC 20580
(877) 382-4357

TEXAS BILL OF RIGHTS

As of September 1, 2003 you have the right to place a security alert in your consumer file, which will warn anyone who receives
information in your consumer file that your identity may have been used without your consent and that recipients of your
consumer file information are advised to verify your identity prior to issuing credit. The security alert may prevent credit,
loans, and services from being approved in your name without your consent. The security alert may delay or interfere with the
timely approval of any subsequent request or application you make that involves access to your credit information such as a
new loan, credit, mortgage, insurance, rental housing, employment, investment, license, cellular phone, utilities, digital
signature, Internet credit card transaction, and an extension of credit at point of sale. The security alert will remain on your
consumer file for not less than 1 year after the date the security alert is placed on your file. You have the right to obtain a free
copy of your consumer file every 45 days while the security alert is in effect. A security alert may be requested by calling 800-
680-7289 or it may be requested in writing by sending a request to TransUnion Security Alert, Post Office Box 2000, Chester,
PA 19016.

You have the following rights to file action in court or arbitrate disputes:

(1) An action to enforce an obligation of a consumer reporting agency to a consumer under the Texas Regulation of Consumer
Credit Reporting Agencies (Texas Business and Commerce Code Chapter 20) may be brought in court as provided by the
FCRA, as amended, or, if agreed to by both parties, may be submitted to binding arbitration after you have followed all dispute
procedures in Section 20.06 and have received the notice specified in Section 20.06(f) in the manner provided by the rules of
the American Arbitration Association.
(2) A decision rendered by an arbitrator does not affect the validity of an obligation or debt owed by the consumer to any
party.
(3) A prevailing party in an action or arbitration proceeding shall be compensated for the party's attorney fees and costs of the
proceeding as determined by the court or arbitration.
(4) A consumer may not submit to arbitration more than one action against a particular consumer reporting agency during any
120-day period.
(5) The results of an arbitration action brought against a consumer reporting agency doing business in Texas shall be
communicated in a timely manner to other consumer reporting agencies doing business in Texas.

FRAUD VICTIM RIGHTS

SUMMARY OF RIGHTS UNDER THE FCRA OF VICTIMS OF IDENTITY THEFT

Para informacion en espanol, visite www.consumerfinance.gov/learnmore  o escribe a la Consumer Financial Protection

Bureau, 1700 G Street N.W. Washington, DC 20552

Remedying the Effects of Identity Theft

You are receiving this information because you have notified a consumer reporting agency that you believe you are a victim of
identity theft. Identity theft occurs when someone uses your name, Social Security Number, date of birth, or other identifying

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information, without authority, to commit fraud. For example, someone may have committed identity theft by using your
personal information to open a credit card account or get a loan in your name. For more information, visit
www.consumerfinance.gov/learnmore  or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington,
DC 20552.

The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe you that you are, a victim of identity
theft. Here is a brief summary of the rights designed to help you recover from identity theft.

1. You have the right to place a ‘security freeze’ on your credit report, which will prohibit a consumer reporting agency
from releasing information in your credit report without your express authorization.

The security freeze is designed to prevent credit, loans, and services from being approved in your name without your
consent. However, you should be aware that using a security freeze to take control over who gets access to the
personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any
subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the
extension of credit.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the
person or entity, with which you have an existing account that requests information in your credit report for the
purposes of reviewing or collecting the account. Reviewing the account includes activities related to account
maintenance, monitoring, credit line increases, and account upgrades and enhancements.

2. 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.

To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your
identity, which may include your Social Security Number. If you ask for an extended alert, you will have to provide an
identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local law
enforcement agency, and additional information a consumer reporting agency may require you to submit. For more
detailed information about the identity theft report, visit www.consumerfinance.gov/learnmore .

You may place a fraud alert in your file by calling just one of the three nationwide credit reporting agencies. As soon as
that agency processes your alert, it will notify the other two, which then must also place fraud alerts in your file.

Equifax: 1-800-525-6285; www.equifax.com 

Experian: 1-888-397-3742; www.experian.com 

TransUnion: 1-800-680-7289;www.transunion.com 

3. You have the right to free copies of the information in your file (your “file disclosure”). An initial fraud alert entitles
you to a copy of all information in your file at each of the three nationwide agencies, and an extended alert entitles you
to two free file disclosures in a 12-month period following the placing of the alert. These additional disclosures may help
you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether
someone has reported a change in your address. Once a year, you also have the right to a free copy of the information in
your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity
theft. You also have the ability to obtain additional free file disclosures under other provisions of the FCRA. See
www.consumerfinance.gov/learnmore 

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4. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your
personal information. A creditor or other business must give you copies of applications and other business records
relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A
business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It also
may specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you
with these documents. See www.consumerfinance.gov/learnmore .

5. You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with
certain information about the debt you believe was incurred in your name by an identity thief – like the name of the
creditor and the amount of the debt.

6. If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting
agency block that information from your file. An identity thief may run up bills in your name and not pay them.
Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting
agency to block the reporting of this information, you must identify the information to block, and provide the consumer
reporting agency with proof of your identity and a copy of your identity theft report. The consumer reporting agency
can refuse or cancel your request for a block if, for example, you don’t provide the necessary documentation or where
the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds
the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with
notice of the block may not sell, transfer or place the debt for collection.

7. You may also prevent businesses from reporting information about you to consumer reporting agencies if you believe
the information is a result of identity theft. To do so, you must send your request to the address specified by the
business that reports the information to the consumer reporting agency. The business will expect you to identify what
information you do not want reported and to provide an identity theft report.

To learn more about identity theft and how to deal with its consequences, visit www.consumerfinance.gov/learnmore , or
write to the Consumer Financial Protection Bureau. You may have additional rights under state law. For more information,
contact your local consumer protection agency or your state Attorney General.

In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many
other important consumer protections. They are described in more detail at www.consumerfinance.gov/learnmore .

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