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Prepared For

TERESA BARRS
Personal & Confidential

Date Generated Aug 2, 2024

Report Number 0571-6463-03

At a
Glance 21 Accounts 0 Public Records 2 Hard Inquiries

Personal Information

4 Names 19 Addresses 2 SSN Variations 4 Employers 4 Other Records

Because your personal information is reported by you, your creditors, and other sources, it's typical to
see small variations in reported personal information, like names and addresses. For security
reasons, many of these items can't be disputed online, but don't worry—they don't affect your credit
score.

Names

TERESA BARRS TERESA A BARRS TERESA ANN THERESA BARRS

BARRS
Name ID #14860 Name ID #20035 Name ID #20950
Name ID #31534

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Addresses

3300 NUNEZ CT 18820 3300 NEWMANS 12443 TECH

ROUND ROCK TX, RUSHMORE ST COURT RIDGE BLVD
78665-2136 MANOR TX, MARQUEZ TX, APT1122
78653-2186 77865 AUSTIN TX,
Address ID
78753-3398
#0848801793 Address ID Address ID
Single family #0920929733 #0883889401 Address ID
Single family Single family #0461236880
Apartment
complex

15205 VALERIAN 509 DELMAR AVE 5900 SIGNAL PT 5736 PINON

TEA DR AUSTIN TX, AUSTIN TX, VISTA DR
PFLUGERVILLE 78752-2624 78724-6160 AUSTIN TX,
TX, 78660-3074 78724-6170
Address ID Address ID
Address ID #0158559774 #0158302189 Address ID
#0644360520 Single family Single family #0205807488
Single family Single family

2506 BAXTER DR 5204 E BEN 7240 NORTHEAST 1917

AUSTIN TX, WHITE BLVD DR MARGALENE WAY
78745-4302 AUSTIN TX, AUSTIN TX, APTB
78741-7306 78723-1468 AUSTIN TX,
Address ID
78728-6253
#0158464974 Address ID Address ID
Single family #0158417236 #0158285138 Address ID
Single family Multifamily #0158322752
Apartment
complex

US 12501 TECH 12501 TECH 7011 CREIGHTON

, 78741 RIDGE # 134 BLVD RIDGE # 134 BLVD LN
ROUND ROCK TX, ROUND ROCK TX, AUSTIN TX,
Address ID
78665 78665 78723-1537
#0258090810
Address ID Address ID Address ID
#0855237495 #0855237496 #0158285369
Single family Single family Single family

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15205 WALERIAN 7240 NORTHEAST 7204A LILAC LN

TEA D DR APT111 AUSTIN TX,
PFLUGERVILLE AUSTIN TX, 78745-5296
TX, 78660 78723-1434
Address ID
Address ID Address ID #0158468971
#0667530009 #0158279206 Single family
Single family Apartment
complex

Social Security Numbers

XXX-XX-7327 XXX-XX-7234

Year of Birth

1978

Phone Numbers

(512) 462-9324 (512) 282-5742 (512) 565-0803

Residential Residential Cellular

Employers

DAVACO STAFFMARK RADIATION PEARSON INC

DETECTION COM

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

AFFIRM INC

 Account Info
Account Name AFFIRM INC

Account Number IRYJXXXX

Account Type Unsecured

Responsibility Individual

Date Opened 02/09/2021

Status Paid, Closed/Never late.

Status Updated Nov 2021

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $861

Highest Balance -

Terms 12 Months

On Record Until Nov 2031

 Payment History
J F M A M J J A S O N D

2021 — — —        CLS —

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Nov 2031.

 Contact Info
Address 650 CALIFORNIA ST FL 12,
SAN FRANCISCO CA 94108

Phone Number (855) 423-3729

AMERICREDIT/GM FINANCIAL
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POTENTIALLY NEGATIVE

 Account Info
Account Name AMERICREDIT/GM FINANCIAL

Account Number 45177XXXX

Account Type Auto Loan

Responsibility Individual

Date Opened 09/26/2013

Status Paid, Closed.

Status Updated May 2020

Balance -

Balance Updated -

Recent Payment $1,470 as of 4/20/2020

Monthly Payment -

Original Balance $23,053

Highest Balance -

Terms 79 Months

 Payment History
J F M A M J J A S O N D

2020     CLS — — — — — — —

2019 ND ND  30 30  30     

2018 ND ND ND ND ND ND ND ND ND ND ND ND

2017     ND ND ND ND ND ND ND ND

2016    ND ND ND ND ND ND ND ND 

2015 ND ND ND ND   ND ND ND ND ND ND

2014 ND     ND ND ND ND ND ND ND

2013 — — — — — — — — — —  ND

 Current / Terms met 30 Past due 30 days

No data for this
CLS Closed ND
period

Payment history guide

30 days past due as of Jul 2019, May 2019, Apr 2019

 Historical Info
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Original Creditor GM FINANCIAL

 Contact Info
Address PO BOX 181145,
ARLINGTON TX 76096

Phone Number (800) 284-2271

APPLE CARD/GS BANK USA

 Account Info
Account Name APPLE CARD/GS BANK USA

Account Number 120001XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 07/07/2022

Status Open/Never late.

Status Updated June 2024

Balance $10,469

Balance Updated 06/30/2024

Recent Payment -

Monthly Payment $340

Credit Limit $10,000

Highest Balance $10,469

Terms -

 Payment History
J F M A M J J A S O N D

2024       — — — — — —

2023            

2022 — — — — — —      

 Current / Terms met

 Balance Histories

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Date Balance Scheduled Payment Paid

May 2024 $10,135 $332 $332 on 5/31/2024

Apr 2024 $10,117 $340 $350 on 4/30/2024

Mar 2024 $10,136 $324 $324 on 3/31/2024

Feb 2024 $10,107 $348 $348 on 2/29/2024

Jan 2024 $9,974 $350 $500 on 1/31/2024

Dec 2023 $10,125 $341 $341 on 12/31/2023

Nov 2023 $10,183 $341 $0 on 11/29/2023

Oct 2023 $9,893 $337 $0 on 10/31/2023

Sep 2023 $10,224 $340 $0 on 8/31/2023

Aug 2023 $9,880 $340 $0 on 8/31/2023

Jul 2023 $9,942 $335 $0 on 7/31/2023

Jun 2023 $10,020 $337 $0 on 6/30/2023

May 2023 $9,974 $320 $0 on 5/31/2023

Apr 2023 $9,642 $249 $0 on 4/30/2023

Mar 2023 $8,204 $136 $0 on 3/31/2023

Feb 2023 $5,186 $45 $0 on 2/28/2023

Jan 2023 $4,447 $25 $0 on 1/31/2023

Dec 2022 $2,371 $25 $0 on 12/31/2022

Nov 2022 $2,317 $25 $0 on 11/30/2022

Oct 2022 $1,777 $25 $0 on 10/31/2022

Sep 2022 $840 $25 $0 on 9/28/2022

Aug 2022 $151 $25 $0 on 8/31/2022

Additional info
Between Aug 2022 and May 2024, your credit limit/high balance was $10,000

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 Contact Info
Address LOCKBOX 6112 P.O. BOX 7247,
PHILADELPHIA PA 19170

Phone Number (877) 255-5923

CAPITAL ONE AUTO FINANCE

 Account Info
Account Name CAPITAL ONE AUTO FINANCE

Account Number 620627XXXXXXXXXXX

Account Type Auto Loan

Responsibility Joint with JERMAINE L MONROE

Date Opened 10/10/2020

Status Paid, Closed/Never late.

Status Updated Feb 2021

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $12,499

Highest Balance -

Terms 66 Months

On Record Until Feb 2031

 Payment History
J F M A M J J A S O N D

2021  CLS — — — — — — — — — —

2020 — — — — — — — — —   

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Feb 2031.

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 Contact Info
Address PO BOX 259407,
PLANO TX 75025

Phone Number (800) 946-0332

CELTIC BANK/CONTFINCO

 Account Info
Account Name CELTIC BANK/CONTFINCO

Account Number 534636XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 08/01/2023

Status Open/Never late.

Status Updated Jul 2024

Balance $1,605

Balance Updated 07/09/2024

Recent Payment -

Monthly Payment $95

Credit Limit $1,500

Highest Balance $1,605

Terms -

 Payment History
J F M A M J J A S O N D

2024        — — — — —

2023 — — — — — — — —    

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jun 2024 $1,536 $62 $60 on 6/5/2024

May 2024 $1,458 $59 $60 on 5/7/2024

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Date Balance Scheduled Payment Paid

Apr 2024 $1,481 $60 $50 on 4/5/2024

Mar 2024 $739 $35 $50 on 3/4/2024

Feb 2024 $743 $35 $41 on 1/30/2024

Jan 2024 $739 $35 $40 on 1/2/2024

Dec 2023 $733 $35 $40 on 11/29/2023

Nov 2023 $686 $35 $50 on 11/5/2023

Oct 2023 $719 $35 $40 on 10/2/2023

Sep 2023 $741 $35 $0

Additional info
Between Mar 2024 and Jun 2024, your credit limit/high balance was $1,500

Between Sep 2023 and Feb 2024, your credit limit/high balance was $750

 Contact Info
Address 4550 NEW LINDEN HILL RD #400,
WILMINGTON DE 19808

Phone Number (866) 449-4514

CITI CARDS/CITIBANK

 Account Info
Account Name CITI CARDS/CITIBANK

Account Number 542418XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 08/31/2019

Status Open/Never late.

Status Updated Jul 2024

Balance $306

Balance Updated 07/22/2024

Recent Payment -

Monthly Payment $41

Credit Limit $300

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Highest Balance $325

Terms -

 Payment History
J F M A M J J A S O N D

2024        — — — — —

2023            

2022            

2021            

2020            

2019 — — — — — — — —    

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jun 2024 $215 $41 $0 on 6/21/2024

May 2024 $306 $54 $0 on 5/15/2024

Apr 2024 $302 $54 $0 on 4/19/2024

Mar 2024 $233 $54 $0 on 3/14/2024

Feb 2024 $233 $41 $0 on 2/22/2024

Jan 2024 $296 $41 $0 on 1/17/2024

Dec 2023 $276 $41 $0 on 12/16/2023

Nov 2023 $293 $41 $0 on 11/10/2023

Oct 2023 $263 $41 $0 on 10/20/2023

Sep 2023 $301 $41 $0 on 9/10/2023

Aug 2023 $295 $41 $0 on 8/8/2023

Jul 2023 $289 $49 $0 on 6/23/2023

Jun 2023 $281 $49 $0 on 6/21/2023

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Date Balance Scheduled Payment Paid

May 2023 $253 $49 $0 on 5/16/2023

Apr 2023 $247 $49 $0 on 4/15/2023

Mar 2023 $186 $49 $0 on 3/16/2023

Feb 2023 $232 $49 $0 on 2/15/2023

Jan 2023 $128 $41 $0 on 1/13/2023

Dec 2022 $154 $41 $0 on 12/19/2022

Nov 2022 $201 $41 $0 on 11/18/2022

Oct 2022 $251 $41 $0 on 10/6/2022

Sep 2022 $246 $41 $0 on 8/31/2022

Aug 2022 $200 $41 $0 on 7/29/2022

Additional info
Between Aug 2022 and Jun 2024, your credit limit/high balance was $300

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

Phone Number (800) 950-5114

CITI CARDS/CITIBANK

 Account Info
Account Name CITI CARDS/CITIBANK

Account Number 546616XXXXXXXXXX

Account Type Credit Card

Responsibility Individual

Date Opened 01/19/2022

Status Open/Never late.

Status Updated Jul 2024

Balance $968

Balance Updated 07/12/2024

Recent Payment -

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Monthly Payment $41

Credit Limit $1,000

Highest Balance $1,047

Terms -

 Payment History
J F M A M J J A S O N D

2024        — — — — —

2023            

2022 —           

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jun 2024 $1,047 $88 $0 on 5/24/2024

May 2024 $1,018 $59 $0 on 4/22/2024

Apr 2024 $977 $41 $0 on 4/10/2024

Mar 2024 $1,012 $53 $0 on 3/4/2024

Feb 2024 $991 $41 $0 on 2/7/2024

Jan 2024 $988 $41 $0 on 1/1/2024

Dec 2023 $955 $41 $0 on 12/9/2023

Nov 2023 $1,010 $51 $0 on 11/8/2023

Oct 2023 $1,016 $57 $0 on 10/2/2023

Sep 2023 $1,019 $60 $0 on 8/29/2023

Aug 2023 $916 $41 $0 on 8/6/2023

Jul 2023 $954 $41 $0 on 6/23/2023

Jun 2023 $1,022 $63 $0 on 5/23/2023

May 2023 $920 $35 $0 on 5/10/2023

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Date Balance Scheduled Payment Paid

Apr 2023 $826 $69 $0 on 4/10/2023

Mar 2023 $786 $72 $0 on 3/7/2023

Feb 2023 $791 $72 $0 on 2/8/2023

Jan 2023 $809 $72 $0 on 1/6/2023

Dec 2022 $911 $72 $0 on 12/10/2022

Nov 2022 $965 $72 $0 on 11/4/2022

Oct 2022 $950 $35 $0 on 10/6/2022

Sep 2022 $937 $35 $0 on 8/31/2022

Aug 2022 $913 $35 $0 on 7/29/2022

Additional info
Between Aug 2022 and Jun 2024, your credit limit/high balance was $1,000

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

Phone Number (800) 950-5114

CREDIT ONE BANK

 Account Info
Account Name CREDIT ONE BANK

Account Number 444796XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 02/03/2020

Status Open/Never late.

Status Updated Jul 2024

Balance $1,246

Balance Updated 07/14/2024

Recent Payment $61 as of 7/10/2024

Monthly Payment $63

Credit Limit $1,200

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Highest Balance $1,248

Terms -

 Payment History
J F M A M J J A S O N D

2024        — — — — —

2023            

2022            

2021            

2020 —           

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jun 2024 $1,213 $61 $60 on 6/11/2024

May 2024 $1,181 $60 $60 on 5/9/2024

Apr 2024 $1,173 $59 $60 on 4/10/2024

Mar 2024 $1,154 $58 $60 on 3/5/2024

Feb 2024 $1,047 $53 $54 on 2/9/2024

Jan 2024 $1,075 $54 $56 on 1/10/2024

Dec 2023 $1,105 $56 $131 on 12/11/2023

Nov 2023 $1,208 $61 $62 on 11/8/2023

Oct 2023 $1,236 $62 $65 on 10/2/2023

Sep 2023 $1,183 $60 $60 on 9/10/2023

Aug 2023 $1,108 $56 $100 on 8/7/2023

Jul 2023 $1,119 $56 $100 on 6/25/2023

Jun 2023 $1,169 $59 $60 on 6/8/2023

May 2023 $1,020 $52 $50 on 5/10/2023

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Date Balance Scheduled Payment Paid

Apr 2023 $999 $50 $55 on 4/10/2023

Mar 2023 $1,008 $51 $60 on 3/7/2023

Feb 2023 $1,022 $52 $65 on 2/7/2023

Jan 2023 $1,022 $52 $104 on 1/12/2023

Dec 2022 $1,079 $54 $60 on 12/4/2022

Nov 2022 $1,066 $54 $70 on 11/4/2022

Oct 2022 $1,020 $52 $100 on 9/28/2022

Sep 2022 $941 $48 $100 on 9/6/2022

Aug 2022 $877 $44 $200 on 7/29/2022

Additional info
Between May 2023 and Jun 2024, your credit limit/high balance was $1,200

Between Aug 2022 and Apr 2023, your credit limit/high balance was $1,050

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

Phone Number (877) 825-3242

 Comment
Current:

None

Previous:

Special handling - contact subscriber for additional information.

Nov 2023 to Feb 2024

CREDIT ONE BANK

 Account Info
Account Name CREDIT ONE BANK
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Account Number 444796XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 06/13/2021

Status Open/Never late.

Status Updated Jul 2024

Balance $1,855

Balance Updated 07/24/2024

Recent Payment $91 as of 7/17/2024

Monthly Payment $93

Credit Limit $1,800

Highest Balance $1,857

Terms -

 Payment History
J F M A M J J A S O N D

2024        — — — — —

2023            

2022            

2021 — — — — —       

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jun 2024 $1,811 $91 $100 on 6/20/2024

May 2024 $1,811 $91 $100 on 5/15/2024

Apr 2024 $1,823 $92 $95 on 4/19/2024

Mar 2024 $1,857 $93 $90 on 3/14/2024

Feb 2024 $1,622 $82 $83 on 2/20/2024

Jan 2024 $1,650 $83 $85 on 1/19/2024

Dec 2023 $1,695 $85 $88 on 12/20/2023

Nov 2023 $1,741 $88 $90 on 11/21/2023

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Date Balance Scheduled Payment Paid

Oct 2023 $1,788 $90 $90 on 10/20/2023

Sep 2023 $1,766 $89 $100 on 9/19/2023

Aug 2023 $1,806 $91 $100 on 8/7/2023

Jul 2023 $1,846 $93 $100 on 6/26/2023

Jun 2023 $1,850 $93 $100 on 6/14/2023

May 2023 $1,836 $92 $100 on 5/17/2023

Apr 2023 $1,704 $86 $100 on 4/16/2023

Mar 2023 $1,689 $85 $100 on 3/16/2023

Feb 2023 $1,680 $85 $80 on 2/9/2023

Jan 2023 $1,529 $77 $120 on 1/13/2023

Dec 2022 $1,598 $80 $90 on 12/19/2022

Nov 2022 $1,637 $82 $156 on 11/9/2022

Oct 2022 $1,631 $82 $100 on 9/28/2022

Sep 2022 $1,547 $78 $282 on 9/21/2022

Aug 2022 $1,397 $70 $200 on 7/29/2022

Additional info
Between Feb 2023 and Jun 2024, your credit limit/high balance was $1,800

Between Aug 2022 and Jan 2023, your credit limit/high balance was $1,600

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

Phone Number (877) 825-3242

 Comment
Current:

None

Previous:

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Special handling - contact subscriber for additional information.

Nov 2023 to Jan 2024

CREDIT ONE BANK

 Account Info
Account Name CREDIT ONE BANK

Account Number 470793XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 09/06/2022

Status Open/Never late.

Status Updated Jul 2024

Balance $1,038

Balance Updated 07/18/2024

Recent Payment $36 as of 7/15/2024

Monthly Payment $37

Credit Limit $1,000

Highest Balance $1,048

Terms -

 Payment History
J F M A M J J A S O N D

2024        — — — — —

2023            

2022 — — — — — — — —    

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jun 2024 $1,011 $36 $40 on 6/12/2024

May 2024 $1,019 $36 $40 on 5/9/2024

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Date Balance Scheduled Payment Paid

Apr 2024 $975 $35 $40 on 4/10/2024

Mar 2024 $941 $33 $55 on 3/11/2024

Feb 2024 $964 $34 $40 on 2/13/2024

Jan 2024 $972 $35 $50 on 1/14/2024

Dec 2023 $989 $35 $50 on 12/5/2023

Nov 2023 $1,006 $36 $40 on 11/14/2023

Oct 2023 $1,022 $36 $50 on 9/19/2023

Sep 2023 $1,048 $37 $40 on 9/14/2023

Aug 2023 $893 $32 $100 on 8/8/2023

Jul 2023 $867 $31 $100 on 6/25/2023

Jun 2023 $947 $34 $50 on 6/14/2023

May 2023 $930 $33 $35 on 5/12/2023

Apr 2023 $896 $32 $40 on 4/12/2023

Mar 2023 $915 $33 $40 on 3/7/2023

Feb 2023 $888 $32 $51 on 2/7/2023

Jan 2023 $865 $31 $70 on 1/12/2023

Dec 2022 $915 $33 $50 on 12/11/2022

Nov 2022 $810 $30 $55 on 11/11/2022

Oct 2022 $557 $30 $100 on 9/28/2022

Additional info
Between Nov 2022 and Jun 2024, your credit limit/high balance was $1,000

Between Oct 2022 and Oct 2022, your credit limit/high balance was $800

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

Phone Number (877) 825-3242

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DISCOVER BANK

 Account Info
Account Name DISCOVER BANK

Account Number 601100XXXXXXXXXX

Account Type Credit card

Responsibility Authorized user

Date Opened 06/14/2019

Status Inactive/Never late.

Status Updated Dec 2020

Balance -

Balance Updated -

Recent Payment -

Monthly Payment $20

Credit Limit $1,750

Highest Balance $269

Terms -

On Record Until Dec 2025

 Payment History
J F M A M J J A S O N D

2020            

2019 — — — — —       

 Current / Terms met

This account is scheduled to continue on record until Dec 2025.

 Contact Info
Address PO BOX 30939,
SALT LAKE CITY UT 84130

Phone Number (800) 347-2683

JPMCB CARD

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 Account Info
Account Name JPMCB CARD

Account Number 426684XXXXXXXXXX

Account Type Credit card

Responsibility Authorized user

Date Opened 08/03/2023

Status Open/Never late.

Status Updated Jul 2024

Balance $3,382

Balance Updated 07/21/2024

Recent Payment -

Monthly Payment $118

Credit Limit $3,900

Highest Balance $3,660

Terms -

 Payment History
J F M A M J J A S O N D

2024        — — — — —

2023 — — — — — — —     

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jun 2024 $3,660 $122 $0 on 6/18/2024

May 2024 $3,384 $102 $0 on 5/17/2024

Apr 2024 $2,705 $93 $0 on 4/18/2024

Mar 2024 $2,580 $89 $0 on 3/16/2024

Feb 2024 $2,740 $88 $0 on 2/14/2024

Jan 2024 $2,312 $78 $0 on 1/18/2024

Dec 2023 $1,896 $46 $0 on 12/18/2023

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Date Balance Scheduled Payment Paid

Nov 2023 $774 $40 $0 on 11/17/2023

Oct 2023 $795 $40 $0 on 10/12/2023

Sep 2023 $661 $40 $0 on 9/13/2023

Aug 2023 $167 $40 $0

Additional info
Between Dec 2023 and Jun 2024, your credit limit/high balance was $3,900

Between Aug 2023 and Nov 2023, your credit limit/high balance was $2,900

 Contact Info
Address PO BOX 15369,
WILMINGTON DE 19850

Phone Number (800) 945-2000

SYNCB/HOME DESIGN NAHFA

 Account Info
Account Name SYNCB/HOME DESIGN NAHFA

Account Number 601919XXXXXXXXXX

Account Type Charge Card

Responsibility Individual

Date Opened 02/01/2021

Status Paid, Closed/Never late.

Status Updated Nov 2022

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $1,000

Highest Balance $1,000

Terms -

On Record Until Nov 2032

 Payment History
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J F M A M J J A S O N D

2022           CLS —

2021 —           

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Nov 2032.

 Balance Histories
Date Balance Scheduled Payment Paid

Oct 2022 $0 $0 $0 on 3/3/2022

Sep 2022 $0 $0 $0 on 3/3/2022

Aug 2022 $0 $0 $0 on 3/3/2022

Additional info
Between Aug 2022 and Oct 2022, your credit limit/high balance was $1,000

 Contact Info
Address C/O P O BOX 965036,
ORLANDO FL 32896

Phone Number (866) 396-8254

 Comment
Current:

Account closed at credit grantor's request.

Previous:

None

SYNCB/ROOMS TO GO

 Account Info
Account Name SYNCB/ROOMS TO GO

Account Number 601919XXXXXXXXXX

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Account Type Charge Card

Responsibility Individual

Date Opened 06/22/2022

Status Open/Never late.

Status Updated Jul 2024

Balance $1,329

Balance Updated 07/03/2024

Recent Payment $40 as of 6/27/2024

Monthly Payment $39

Credit Limit $2,010

Highest Balance $2,100

Terms -

 Payment History
J F M A M J J A S O N D

2024        — — — — —

2023            

2022 — — — — — —      

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jun 2024 $1,369 $39 $40 on 5/23/2024

May 2024 $1,409 $39 $50 on 4/28/2024

Apr 2024 $1,459 $39 $50 on 3/26/2024

Mar 2024 $1,509 $39 $50 on 2/23/2024

Feb 2024 $1,559 $39 $50 on 1/25/2024

Jan 2024 $1,609 $39 $50 on 12/26/2023

Dec 2023 $1,659 $39 $50 on 11/22/2023

Nov 2023 $1,709 $39 $41 on 10/26/2023

Oct 2023 $1,750 $39 $50 on 9/25/2023

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Date Balance Scheduled Payment Paid

Sep 2023 $1,800 $39 $50 on 8/25/2023

Aug 2023 $1,850 $39 $50 on 7/27/2023

Jul 2023 $1,900 $39 $50 on 6/23/2023

Jun 2023 $1,950 $39 $50 on 5/23/2023

May 2023 $2,000 $39 $50 on 4/16/2023

Apr 2023 $2,050 $39 $50 on 3/17/2023

Mar 2023 $2,100 $39 $0

Feb 2023 $0 $0 $0

Jan 2023 $0 $0 $0

Dec 2022 $0 $0 $0

Nov 2022 $0 $0 $0

Oct 2022 $0 $0 $0

Sep 2022 $0 $0 $0

Aug 2022 $0 $0 $0

Additional info
Between Jun 2023 and Jun 2024, your credit limit/high balance was $2,010

Between Aug 2022 and May 2023, your credit limit/high balance was $2,500

 Contact Info
Address C/O P.O. BOX 965036,
ORLANDO FL 32896

Phone Number (866) 396-8254

TEXAS HEALTH CREDIT UNIO

 Account Info
Account Name TEXAS HEALTH CREDIT UNIO

Account Number 238937XXXXXXX

Account Type Auto Loan

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Responsibility Individual

Date Opened 06/22/2020

Status Paid, Closed/Never late.

Status Updated June 2023

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $21,481

Highest Balance -

Terms 66 Months

On Record Until Jun 2033

 Payment History
J F M A M J J A S O N D

2023      CLS — — — — — —

2022            

2021            

2020 — — —         

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Jun 2033.

 Balance Histories
Date Balance Scheduled Payment Paid

May 2023 $10,240 $389 $200 on 5/30/2023

Apr 2023 $10,378 $389 $390 on 4/26/2023

Mar 2023 $10,675 $389 $390 on 3/8/2023

Feb 2023 $10,904 $389 $0 on 12/14/2022

Jan 2023 $10,904 $389 $0 on 12/14/2022

Dec 2022 $10,904 $389 $300 on 12/14/2022

Nov 2022 $11,107 $389 $0 on 10/26/2022

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Date Balance Scheduled Payment Paid

Oct 2022 $11,107 $389 $400 on 10/26/2022

Sep 2022 $11,437 $389 $400 on 9/21/2022

Aug 2022 $11,783 $389 $790 on 8/26/2022

Additional info
The original amount of this account was $21,481

 Contact Info
Address 4800 GROVER AVE,
AUSTIN TX 78756

Phone Number (512) 454-4636

TEXAS HEALTH CREDIT UNIO

 Account Info
Account Name TEXAS HEALTH CREDIT UNIO

Account Number 238937XXXXXXX

Account Type Unsecured

Responsibility Individual

Date Opened 06/03/2022

Status Open/Never late.

Status Updated Jul 2024

Balance $6,514

Balance Updated 07/31/2024

Recent Payment $218 as of 7/31/2024

Monthly Payment $218

Original Balance $10,000

Highest Balance -

Terms 60 Months

 Payment History
J F M A M J J A S O N D

2024        — — — — —

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2023            

2022 — — — — —       

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jun 2024 $6,623 $218 $218 on 6/18/2024

May 2024 $6,779 $218 $218 on 5/18/2024

Apr 2024 $6,936 $218 $218 on 4/18/2024

Mar 2024 $7,089 $218 $218 on 3/18/2024

Feb 2024 $7,245 $218 $218 on 2/18/2024

Jan 2024 $7,395 $218 $218 on 1/18/2024

Dec 2023 $7,544 $218 $218 on 12/18/2023

Nov 2023 $7,694 $218 $218 on 11/18/2023

Oct 2023 $7,857 $218 $448 on 10/25/2023

Sep 2023 $8,002 $218 $218 on 9/19/2023

Aug 2023 $8,143 $218 $218 on 8/18/2023

Jul 2023 $8,286 $218 $218 on 7/18/2023

Jun 2023 $8,429 $218 $218 on 6/18/2023

May 2023 $8,569 $218 $218 on 5/18/2023

Apr 2023 $8,710 $218 $218 on 4/18/2023

Mar 2023 $8,847 $218 $218 on 3/18/2023

Feb 2023 $8,991 $218 $218 on 2/18/2023

Jan 2023 $9,126 $218 $218 on 1/18/2023

Dec 2022 $9,259 $218 $218 on 12/18/2022

Nov 2022 $9,394 $218 $218 on 11/18/2022

Oct 2022 $9,525 $218 $218 on 10/18/2022

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Date Balance Scheduled Payment Paid

Sep 2022 $9,658 $218 $218 on 9/18/2022

Aug 2022 $9,787 $218 $218 on 8/18/2022

Additional info
The original amount of this account was $10,000

 Contact Info
Address 4800 GROVER AVE,
AUSTIN TX 78756

Phone Number (512) 454-4636

TEXAS HEALTH CREDIT UNIO

 Account Info
Account Name TEXAS HEALTH CREDIT UNIO

Account Number 238937XXXXXXX

Account Type Auto Loan

Responsibility Individual

Date Opened 07/31/2023

Status Open/Never late.

Status Updated Jul 2024

Balance $28,568

Balance Updated 07/31/2024

Recent Payment $618 as of 7/24/2024

Monthly Payment $618

Original Balance $31,864

Highest Balance -

Terms 72 Months

 Payment History
J F M A M J J A S O N D

2024        — — — — —

2023 — — — — — —      

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 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jun 2024 $28,877 $618 $618 on 6/20/2024

May 2024 $29,292 $618 $1,236 on 5/29/2024

Apr 2024 $29,559 $618 $620 on 4/24/2024

Mar 2024 $29,849 $618 $1,236 on 3/20/2024

Feb 2024 $30,210 $618 $618 on 2/22/2024

Jan 2024 $30,559 $618 $618 on 1/25/2024

Dec 2023 $30,793 $618 $618 on 12/19/2023

Nov 2023 $31,146 $618 $618 on 11/22/2023

Oct 2023 $31,408 $618 $618 on 10/17/2023

Sep 2023 $31,696 $618 $1,238 on 9/14/2023

Aug 2023 $31,864 $618 $0

Jul 2023 $31,864 $618 $0

Additional info
The original amount of this account was $31,864

 Contact Info
Address 4800 GROVER AVE,
AUSTIN TX 78756

Phone Number (512) 454-4636

TEXAS HEALTH CU

 Account Info
Account Name TEXAS HEALTH CU

Account Number 543031XXXXXXXXXX

Account Type Credit card

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Responsibility Joint with TYREE STRAND

Date Opened 03/18/2020

Status Paid, Closed/Never late.

Status Updated Mar 2022

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $2,000

Highest Balance $1,347

Terms -

On Record Until Mar 2032

 Payment History
J F M A M J J A S O N D

2022  CLS CLS — — — — — — — — —

2021            

2020 — —          

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Mar 2032.

 Contact Info
Address PO BOX 4003,
AUSTIN TX 78765

Phone Number (512) 454-4636

 Comment
Current:

Account closed at consumer's request.

Previous:

Account closed at consumer's request.

Feb 2022

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TEXAS HEALTH CU

 Account Info
Account Name TEXAS HEALTH CU

Account Number 543829XXXXXXXXXX

Account Type Credit card

Responsibility Joint with TYREE STRAND

Date Opened 10/04/2021

Status Transferred,closed/Never late.

Status Updated Jul 2022

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $20,000

Highest Balance $8,032

Terms -

On Record Until Jul 2032

 Payment History
J F M A M J J A S O N D

2022       CLS — — — — —

2021 — — — — — — — — —   

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Jul 2032.

 Contact Info
Address PO BOX 4003,
AUSTIN TX 78765

Phone Number (512) 454-4636

 Comment
Current:

Account closed due to transfer.

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Previous:

None

TEXAS HEALTH CU

 Account Info
Account Name TEXAS HEALTH CU

Account Number 543829XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 10/04/2021

Status Open/Never late.

Status Updated Jul 2024

Balance $4,962

Balance Updated 07/18/2024

Recent Payment $155 as of 6/11/2024

Monthly Payment $149

Credit Limit $5,000

Highest Balance $8,032

Terms -

 Payment History
J F M A M J J A S O N D

2024        — — — — —

2023            

2022            

2021 — — — — — — — — —   

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jun 2024 $5,029 $180 $160 on 6/11/2024

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Date Balance Scheduled Payment Paid

May 2024 $5,009 $160 $190 on 5/16/2024

Apr 2024 $4,988 $150 $150 on 4/10/2024

Mar 2024 $4,950 $149 $250 on 2/22/2024

Feb 2024 $4,836 $146 $200 on 2/12/2024

Jan 2024 $4,714 $142 $200 on 1/9/2024

Dec 2023 $4,874 $147 $200 on 11/30/2023

Nov 2023 $5,034 $186 $200 on 11/10/2023

Oct 2023 $5,032 $183 $250 on 10/3/2023

Sep 2023 $4,918 $148 $200 on 9/11/2023

Aug 2023 $4,949 $149 $900 on 7/25/2023

Jul 2023 $2,922 $88 $2,130 on 7/11/2023

Jun 2023 $5,024 $175 $200 on 5/30/2023

May 2023 $4,949 $149 $160 on 5/12/2023

Apr 2023 $4,483 $135 $150 on 4/13/2023

Mar 2023 $4,488 $135 $1,833 on 3/8/2023

Feb 2023 $4,423 $133 $516 on 1/20/2023

Jan 2023 $2,916 $88 $130 on 1/9/2023

Dec 2022 $1,556 $47 $1,800 on 12/1/2022

Nov 2022 $3,282 $99 $900 on 11/2/2022

Oct 2022 $3,917 $118 $500 on 9/21/2022

Sep 2022 $4,038 $122 $600 on 8/26/2022

Aug 2022 $885 $27 $2,010 on 8/8/2022

Additional info
Between Aug 2022 and Jun 2024, your credit limit/high balance was $5,000

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 Contact Info
Address PO BOX 4003,
AUSTIN TX 78765

Phone Number (512) 454-4636

UPGRADE INC

 Account Info
Account Name UPGRADE INC

Account Number 11980XXXX

Account Type Line of Credit

Responsibility Individual

Date Opened 07/22/2021

Status Open/Never late.

Status Updated June 2024

Balance $2,706

Balance Updated 06/30/2024

Recent Payment $190 as of 6/17/2024

Monthly Payment $200

Credit Limit -

Highest Balance $5,553

Terms 1 Months

 Payment History
J F M A M J J A S O N D

2024       — — — — — —

2023            

2022            

2021 — — — — — —      

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

May 2024 $2,835 $200 $190 on 5/17/2024

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Date Balance Scheduled Payment Paid

Apr 2024 $2,963 $200 $190 on 4/17/2024

Mar 2024 $3,091 $200 $190 on 3/17/2024

Feb 2024 $3,211 $336 $326 on 2/17/2024

Jan 2024 $3,446 $334 $326 on 1/19/2024

Dec 2023 $3,421 $316 $309 on 12/17/2023

Nov 2023 $3,469 $316 $309 on 11/17/2023

Oct 2023 $3,474 $299 $292 on 10/17/2023

Sep 2023 $3,282 $290 $284 on 9/17/2023

Aug 2023 $3,436 $290 $284 on 8/17/2023

Jul 2023 $3,494 $285 $279 on 7/17/2023

Jun 2023 $3,587 $285 $279 on 6/17/2023

May 2023 $3,784 $272 $266 on 5/17/2023

Apr 2023 $3,647 $272 $266 on 4/17/2023

Mar 2023 $3,830 $263 $258 on 3/17/2023

Feb 2023 $3,907 $257 $252 on 2/17/2023

Jan 2023 $3,908 $257 $252 on 1/17/2023

Dec 2022 $3,983 $246 $241 on 12/17/2022

Nov 2022 $3,858 $238 $234 on 11/17/2022

Oct 2022 $3,837 $229 $225 on 10/17/2022

Sep 2022 $3,854 $222 $219 on 9/17/2022

Aug 2022 $3,830 $219 $219 on 8/17/2022

Additional info
Between Aug 2022 and May 2024, your credit limit/high balance was $5,553

 Contact Info
Address 2 N CENTRAL AVE FL 10,
PHOENIX AZ 85004

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Phone Number (855) 997-3100

Public Records
Information gathered from courts or other government agencies about legal matters associated with
you. The most common Public Records are bankruptcies, tax liens, and monetary judgments.

No public records reported.

Hard Inquiries
Hard inquiries are requests for your consumer information based on an action or process initiated by
you generally related to a credit or other monetary obligation, such as when you apply for credit, rental
property, or utility service, or default on a loan causing it to be sent to a collection agency. Hard
inquiries are displayed to companies that receive your consumer report and may stay on your report
at least two years.

CONTINENTAL FINANCE/CELT TEXAS HEALTH CREDIT UNIO

Inquired on 08/01/2023 Inquired on 07/31/2023

4550 NEW LINDEN HILL RD #400 4800 GROVER AVE AUSTIN TX, 78756
WILMINGTON DE, 19808
Credit Granting. This inquiry is scheduled to
Credit Granting. This inquiry is scheduled to continue on record until Aug 2025.
continue on record until Sep 2025.

Soft Inquiries
Soft inquiries are generally initiated by others, like companies making promotional offers or lenders
periodically reviewing your existing credit accounts. Soft inquiries also include checking your own
credit report or using credit monitoring services, and have no impact on your credit score.

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AC AUTOPAY AFTERPAY US ALTAIR/DMS/LI ALTAIR/LENDIN

LLC INC BERTY 1ST L G SCI/SMART
Inquired on Inquired on Inquired on Inquired on
10/09/2023 07/15/2024 10/04/2023 02/15/2024,
01/24/2024 an
1147 N 760 MARKET 555 d 09/27/2023
BROADWAY ST, CORPORATE DR
UNIT 100, SAN STE 130, 2140 GRAND
DENVER CO FRANCISCO CA LADERA AVE STE 235,
80203 94102 RANCH CA CHINO HILLS
(720) 961-4070 (855) 289-6014 92694 CA 91709

ALTAIR/ROCKE CLARITY/BISO CLARITY/EMO CLARITY/FEB-

TSHIP/LS N CASH NEYUSA OPPLONS
Inquired on Inquired on HOLDIN Inquired on
03/27/2024 06/29/2024 Inquired on 07/17/2024
06/29/2024
4 PARK PLZ 100C 2150 S 1300 E
STE 600, SCHOOLHOUSE 8700 STATE STE 400,
IRVINE CA CANYON RD, LINE RD STE SALT LAKE
92614 SANTA YSABEL 350, CITY UT 84106
CA 92070 LEAWOOD KS
66206

CLARITY/FINWI CONTINENTAL CREDIT KARMA CREDIT KARMA

SE-OPPLOANS FINANCE Inquired on Inquired on
Inquired on COMP 07/27/2024, 07/26/2024,
11/29/2023 Inquired on 07/24/2024, 07/25/2024,
07/23/2024 07/20/2024, 07/24/2024,
820 E 9400 S, 07/17/2024, 07/23/2024,
SANDY UT 4550 NEW 07/13/2024, 07/22/2024,
84094 LINDEN HILL 07/10/2024, 07/20/2024,
RD STE400, 07/06/2024, 07/19/2024,
WILMINGTON 07/03/2024, 07/18/2024,
DE 19808 06/29/2024, 07/06/2024,
06/26/2024, 07/04/2024,
06/22/2024, 07/02/2024,
06/19/2024, 07/01/2024,
06/15/2024, 06/30/2024,
06/12/2024, 06/26/2024,
06/08/2024, 06/25/2024,
06/01/2024, 06/22/2024,
05/29/2024, 06/20/2024,

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05/25/2024, 06/19/2024,
05/22/2024, 06/16/2024,
05/18/2024, 06/11/2024,
05/15/2024, 05/19/2024,
05/11/2024, 05/17/2024,
05/08/2024, 05/16/2024,
05/04/2024, 05/14/2024,
05/01/2024, 05/11/2024,
04/27/2024, 05/09/2024,
04/24/2024, 05/08/2024,
04/20/2024, 05/04/2024,
04/17/2024, 05/02/2024,
04/13/2024, 05/01/2024,
04/10/2024, 04/30/2024,
04/06/2024, 04/26/2024,
04/03/2024, 04/25/2024,
03/30/2024, 04/24/2024,
03/27/2024, 04/20/2024,
03/23/2024, 04/19/2024,
03/20/2024, 04/16/2024,
03/16/2024, 04/15/2024,
03/13/2024, 04/11/2024,
03/09/2024, 04/10/2024,
03/06/2024, 04/08/2024,
03/02/2024, 04/07/2024,
02/28/2024, 04/06/2024,
02/24/2024, 04/05/2024,
02/21/2024, 04/02/2024,
02/17/2024, 04/01/2024,
02/14/2024, 03/26/2024,
02/10/2024, 03/24/2024,
02/07/2024, 03/23/2024,
02/03/2024, 03/22/2024,
01/31/2024, 03/20/2024,
01/27/2024, 03/19/2024,
01/24/2024, 03/16/2024,
01/20/2024, 03/13/2024,
01/17/2024, 03/07/2024,
01/13/2024, 03/05/2024,
01/10/2024, 03/03/2024,
01/06/2024, 03/02/2024,
01/03/2024, 03/01/2024,
12/30/2023, 02/25/2024,
12/27/2023, 02/24/2024,
12/23/2023, 02/23/2024,
12/20/2023, 02/20/2024,

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12/16/2023, 02/18/2024,
12/13/2023, 02/17/2024,
12/09/2023, 02/16/2024,
12/06/2023, 02/11/2024,
12/02/2023, 02/07/2024,
11/29/2023, 02/06/2024,
11/25/2023, 02/04/2024,
11/22/2023, 02/03/2024,
11/18/2023, 02/02/2024,
11/15/2023, 02/01/2024,
11/11/2023, 01/26/2024,
11/08/2023, 01/25/2024,
11/04/2023, 01/24/2024,
11/01/2023, 01/23/2024,
10/28/2023, 01/22/2024,
10/25/2023, 01/20/2024,
10/21/2023, 01/19/2024,
10/18/2023, 01/16/2024,
10/14/2023, 01/14/2024,
10/11/2023, 01/13/2024,
10/07/2023, 01/11/2024 an
10/04/2023, d 01/10/2024
09/30/2023,
09/27/2023, 760 MARKET
09/23/2023, ST FL 2,
09/20/2023, SAN
09/16/2023, FRANCISCO CA
09/13/2023, 94102
09/09/2023, (415) 510-5272
09/06/2023,
09/02/2023,
08/30/2023,
08/26/2023,
08/23/2023,
08/19/2023,
08/16/2023,
08/12/2023,
08/09/2023,
08/05/2023 an
d 08/02/2023

760 MARKET
ST FL 2,
SAN
FRANCISCO CA
94102

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CREDIT ONE CREDIT9 LLC DATALAB/RATE DATAMYX/TRIP

BANK Inquired on GENIUS OINT/ALLEVIAT
Inquired on 06/03/2024, Inquired on E
07/26/2024 05/17/2024, 09/25/2023 Inquired on
01/24/2024 an 10/10/2023
PO BOX 98875, d 10/13/2023 9300 UNITED
LAS VEGAS NV DR STE 180, 2600
89193 18201 VON AUSTIN TX MICHELSON DR
(877) 825-3242 KARMAN AVE 78758 STE 1500,
FL 7, (512) 302-6438 IRVINE CA
IRVINE CA 92612
92612

DLX/LENDVIA EXPERIAN EXPERIAN EXPERIAN

Inquired on Inquired on Inquired on Inquired on
06/22/2024 08/02/2024 08/02/2024 07/24/2024,
06/26/2024,
2525 MAIN ST 475 ANTON 475 ANTON 06/15/2024,
STE 420, BLVD, BLVD, 06/10/2024,
IRVINE CA COSTA MESA COSTA MESA 05/24/2024,
92614 CA 92626 CA 92626 05/20/2024,
05/18/2024,
05/16/2024,
04/24/2024,
04/10/2024,
03/25/2024,
03/16/2024,
03/13/2024,
03/06/2024,
02/24/2024,
12/23/2023,
12/08/2023,
10/19/2023,
10/14/2023,
10/08/2023,
09/23/2023,
09/19/2023,
09/16/2023,
09/09/2023 an
d 08/19/2023

475 ANTON
BLVD,

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COSTA MESA
EXPERIAN EXPERIAN EXPERIAN CS CA 92626
FIRST
Inquired on CREDITMATCH IDENTITY ADVANTAGE/E
07/22/2024, Inquired on Inquired on MPLOYMENT
07/17/2024, 07/17/2024, 11/03/2023, Inquired on
07/08/2024, 04/07/2024, 10/03/2023 an 05/21/2024 an
07/01/2024, 01/18/2024, d 09/02/2023 d 04/09/2024
06/24/2024, 12/27/2023,
06/10/2024, 12/21/2023, 535 ANTON 140 FOUNTAIN
05/27/2024, 12/05/2023, BLVD STE 100, PKWY N STE
05/13/2024, 12/04/2023, COSTA MESA 410,
04/29/2024, 11/29/2023, CA 92626 ST
04/15/2024, 11/03/2023, PETERSBURG
04/07/2024, 09/25/2023, FL 33716
04/01/2024, 08/30/2023, (727) 290-1000
03/18/2024, 08/29/2023 an
On behalf of
03/04/2024, d 08/02/2023 COMPASS GROUP
02/19/2024, USA INC
02/05/2024, 475 ANTON
01/22/2024, BLVD # D4,
01/18/2024, COSTA MESA
01/08/2024, CA 92626
12/27/2023,
12/21/2023,
12/18/2023,
12/05/2023,
12/04/2023,
11/29/2023,
11/27/2023,
11/20/2023,
11/06/2023,
11/03/2023,
10/23/2023,
10/09/2023,
09/25/2023,
09/11/2023,
08/30/2023,
08/29/2023,
08/28/2023,
08/14/2023 an
d 08/02/2023

475 ANTON
BLVD,
COSTA MESA
CA 92626

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(866) 431-3471

FIRST PREMIER IR/PRIORITY LSDM/CREDIT QSSI/CMS

BANK PLUS FINANCI DIRECT Inquired on
Inquired on Inquired on Inquired on 06/06/2024
12/12/2023, 08/10/2023 12/14/2023
08/28/2023 an 7500 SECURITY
d 08/09/2023 18001 COWAN 9210 BLVD,
STE E, CORPORATE BALTIMORE MD
3820 N LOUISE IRVINE CA BLVD STE 130, 21244
AVE, 92614 ROCKVILLE MD (877) 267-2323
SIOUX FALLS 20850
SD 57107
(800) 987-5521

REPRISE REPRISE SANTANDER SKY BRIDGE

FINANCIAL FINANCIAL/WE CONSUMER FINANCIAL LLC
Inquired on BBAN USA Inquired on
04/09/2024 Inquired on Inquired on 12/06/2023
07/17/2024 an 05/22/2024,
PO BOX d 11/29/2023 02/23/2024 an 1125 E
143454, d 11/20/2023 CAMPBELL RD
IRVING TX PO BOX STE 17,
75014 143454, 8585 N RICHARDSON
(855) 475-6767 IRVING TX STEMMONS TX 75081
75014 FWY,
(855) 475-6767 DALLAS TX
75247
(888) 222-4227

SYNCHRONY THE GOLDMAN TRUELINK

FINANCIAL SACHS GROUPI Inquired on
Inquired on Inquired on 07/24/2024,
07/17/2024 07/18/2024 06/15/2024,
06/10/2024,
4125 WINDARD 200 WEST ST, 05/20/2024,
PLAZA, NEW YORK NY 05/18/2024,
ALPHARETTA 10282 04/24/2024,
GA 30005 03/25/2024,
03/06/2024,
12/08/2023,
10/19/2023,
10/14/2023,
10/08/2023,
09/23/2023,
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09/19/2023 an
d 09/09/2023

100 CROSS ST
STE 202,
SAN LUIS
OBISPO CA
93401
(805) 782-8282

Important Messages

Medical Information
By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral
health or condition). Although we do not generally collect such information, it could appear in the
name of a data furnisher (i.e., "Cancer Center") that reports your payment history to us. If so, those
names display on your report, but on reports to others they display only as "MEDICAL PAYMENT
DATA." Consumer statements included on your report at your request that contain medical
information are disclosed to others.

Public Records Information

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

Contact Experian

Online Phone
Visit Experian.com/dispute to dispute any Monday - Friday
inaccurate information, or click the dispute link 9am to 5pm
next to the item. For FAQs and online access to (855) 414-6047
your Experian Credit Report, Fraud Alerts, and
Security Freezes, visit Experian.com/help

Mail
Experian
PO Box 9701
Allen, TX 75013

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Know Your Rights

Fair Credit Reporting Act (FCRA)

Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer
Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552.

A Summary of Your Rights Under the Fair Credit Reporting Act.

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of
information in the files of consumer reporting agencies. There are many types of consumer reporting
agencies, including credit bureaus and specialty agencies (such as agencies that sell information
about check writing histories, medical records, and rental history records). Here is a summary of your
major rights under the FCRA. For more information, including information about additional rights, go
to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G
Street N.W., Washington, D.C. 20552.

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

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

a person has taken adverse action against you because of information in your credit report;
you are the victim of identity theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon request from each
nationwide credit bureau and from nationwide specialty consumer reporting agencies. See
www.consumerfinance.gov/learnmore for additional information.

You have the right to ask for a credit score. Credit scores are numerical summaries of your
creditworthiness based on information from credit bureaus. You may request a credit score from
consumer reporting agencies that create scores or distribute scores used in residential real property
loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score
information for free from the mortgage lender.

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

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable

information. Inaccurate, incomplete or unverifiable information must be removed or corrected,

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usually within 30 days. However, a consumer reporting agency may continue to report information it
has verified as accurate.

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

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

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

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

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

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

Consumers Have The Right To Obtain A Security Freeze

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

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

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

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

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consumer protection agency or your state Attorney General. For more information about your
federal rights, contact:

FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:

1.a. Banks, savings associations, and credit unions with a. Bureau of Consumer
total assets of over $10 billion and their affiliates. Financial Protection
1700 G Street NW
b. Such affiliates that are not banks, savings associations, Washington, DC 20552
or credit unions also should list in addition to the Bureau:
b. Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580

2. To the extent not included in item 1 above: a. Office of the Comptroller of

the Currency
a. National banks, federal savings associations, and federal Customer Assistance Group
branches and federal agencies of foreign banks P.O. Box 53570
Houston, TX 77052
b. State member banks, branches and agencies of foreign
banks (other than federal branches, federal agencies, and b. Federal Reserve Consumer
insured state branches of foreign banks), commercial Help Center
lending companies owned or controlled by foreign banks, PO Box 1200
and organizations operating under section 25 or 25A of the Minneapolis, MN 55480
Federal Reserve Act
c. Division of Depositor and
c. Nonmember Insured banks, Insured State Branches of Consumer Protection
Foreign Banks, and insured state savings associations National Center for Consumer
and Depositor Assistance
d. Federal Credit Unions Federal Deposit Insurance
Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106

d. National Credit Union

Administration
Office of Consumer Financial
Protection
1775 Duke Street
Alexandria, VA 22314

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3. Air carriers Assistant General Counsel for

Office of Aviation Consumer
Protection
Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590

4. Creditors Subject to Surface Transportation Board Office of Public Assistance,

Governmental Affairs, and
Compliance
Surface Transportation Board
395 E Street SW
Washington, DC 20423

5. Creditors Subject to Packers and Stockyards Act Nearest Packers and

Stockyards Division Regional
Office

6. Small Business Investment Companies Associate Administrator, Office

of Capital Access
United States Small Business
Administration
409 Third Street SW, Suite 8200
Washington, DC 20416

7. Brokers and Dealers Securities and Exchange

Commission
100 F Street NE
Washington, DC 20549

8. Federal Land Banks, Federal Land Bank Associations, Farm Credit Administration
Federal Intermediate Credit Banks, and Production Credit 1501 Farm Credit Drive
Associations McLean, VA 22102-5090

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9. Retailers, Finance Companies, and All Other Creditors FTC Regional Office for region
Not Listed Above in which the creditor operates
or Federal Trade Commission:
Consumer Response Center -
FCRA
Washington, DC 20580
(877) 382-4357

Notification of Rights
Notification of Rights for California Consumers
Notification of Rights for Colorado Consumers
Notification of Rights for Connecticut Consumers
Notification of Rights for Maryland Consumers
Notification of Rights for Massachusetts Consumers
Notification of Rights for Texas Consumers
Notification of Rights for Vermont Consumers
Notification of Rights for Washington Consumers

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