Credit Report

Date: August 25, 2025

Confirmation # 5237601045

Prepared for:
GLYNN E THOMPSON

DID YOU KNOW?

If you find something in your report that looks like a mistake, contact us at equifax.com/personal/disputes or call 888-EQUIFAX (888-378-4329)
to start a new dispute or check the status of your dispute.

There are many types of consumer reporting agencies, including credit bureaus and specialty agencies. A list can be found by accessing the CFPB’s
website at: consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list
Looking for telecommunications, pay TV, and utility data? That information is maintained by a different company, the National Consumer Telecom
and Utilities Exchange (NCTUE), and can be accessed at: nctue.com/consumer

000000001-DISC Page 1 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

An Overview of Your Credit Report

Your credit report provides different types of information, including:

Personal Information
This section includes your name (including any former names), current and previous addresses and phone numbers, employment
data, Social Security number, and birthdate. Personal information is provided by you or your lenders and creditors. While this
information is not used to calculate credit scores it is important to check for typos and any unfamiliar information.

Consumer File Notices

Notices on your credit report can include fraud and active duty alerts, security freezes or locks, and opt-outs of receiving
prescreened offers of credit or insurance. You can also choose to add a consumer statement to your credit report to provide an
explanation for why you missed a payment or why you believe something is being reported incorrectly. For more information on
these consumer added notices visit equifax.com/personal/help/.

Account Information
Your credit report can include all types of credit accounts, such as revolving accounts, mortgage accounts, and any other
installment loans or open lines of credit. When reviewing your account information, make sure accounts listed belong to you and
look for the following:

l Account Status: See if an account is open, closed, paid on time, or past due. Closed accounts should have no money
owed.
l Payment History: Check if you made payments on time for each account. Paying on time helps your credit, while late
or missed payments hurt it. Payment history is provided, where available, for each account. To view up to 24 months of
your historical payment and balance data, log in to your 'myEquifax' account at www.myequifax.com.
l Credit Limits and Balances: Look at the credit limits on credit cards and compare them to what you owe. It's better to
keep the balance low compared to the limit. This helps improve your credit.
l Account Types: Notice the different kinds of credit accounts you have (like credit cards, loans, mortgages). Having a mix
of account types is good for your credit.

Negative Information (Collections and Bankruptcy Public Records)

Be aware of any negative details such as late payments, debts that were given up on, or money owed to collections. Bankruptcies
may also be shown on your credit report. These negative items can hurt your credit score. If there's something there, make sure
it’s correct and up to date.

Inquiries
This section shows who accessed your credit report and when. Too many hard inquiries can negatively impact your credit score
and any unfamiliar inquiries may be a sign of identity theft.

If you find information you believe to be incorrect, you may visit us at equifax.com/personal/disputes or call us at
888-EQUIFAX (888-378-4329) to submit a dispute. You may also mail your dispute request to: Equifax | PO Box 740241 |
Atlanta, GA 30374

Note: When you provide documents to Equifax as part of your dispute, including a letter, the documents may be submitted to
one or more companies whose information are the subject of your dispute.

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Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

Your Credit Report

Summary
A quick view of key information contained in your Equifax Credit Report.

Report Date August 25, 2025

Average Account Age 12 Years, 10 Months
Length of Credit History 27 Years, 6 Months
Oldest Account CITICARDS CBNA | February 1998
Most Recent Account DISCOVER PERSONAL LOANS | May 2023

Personal Information
Creditors use your personal information to identify you. This information has no impact on your credit score.

GLYNN E THOMPSON
38453 VISTA DR, CATHEDRAL CITY, CA 92234
Social Security Number: XXX-XX-8414
Date of Birth: 01/10/1956

Former Name(s): Employment Information: Consumer File Notices:

None RETIRED - Current None
WEST VALLEY SCHOOL, PRINCIPAL - Former

Former Address(es): Former Phone Number(s):

1710 E SONORA RD, PALM SPRINGS, None
CA 92264
18292 SALTBUSH CT, SAN
BERNARDINO, CA 92407
12223 HIGHLAND AVE STE 106,
RANCHO CUCAMONGA, CA 91739
1040 SEMINOLE DR APT 855, FORT
LAUDERDALE, FL 33304
2256 WILTON PARK DR, WILTON
MANORS, FL 33305
7331 SHELBY PL APT 102, RANCHO
CUCAMONGA, CA 91739
2286 SIERRA BLVD APT F,
SACRAMENTO, CA 95825
3151 S ST APT 243, SACRAMENTO, CA
95816
1081 INDEPENDENCE DR, ALAMEDA,
CA 94501

Consumer Statement:
No Statement on file.

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Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

Credit Accounts
This includes all types of credit accounts, such as revolving accounts, mortgage accounts, and any other installment loans or open
lines of credit.

DISCOVER PERSONAL LOANS

PO BOX 30954, SALT LAKE CITY, UT 841300954 | (877) 256-2632 Date Reported: 07/31/2025 | Balance: $12,978
Account Number: *6560 | Owner: Individual Account Credit Limit: | High Credit: $25,000
Loan/Account Type: Unsecured | Status: Pays As Agreed

Date Opened: 05/08/2023 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 07/31/2025 Date Major Delinquency 1st Reported: Months Reviewed: 26
Scheduled Payment Amount: $601 Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: $601 Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 07/05/2025 Date Closed: Balloon Payment Date:
Term Duration: 48 Months Activity Designator: Narrative Code(s): 238

Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2025
2024
2023

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

24 Month History

Balance Scheduled Actual Payment Last Payment Past Due High Credit Credit Limit Narrative Codes
Payment Amount Amount Date Amount
06/25 $13,503 $601 $601 06/05/2025 $25,000 238
05/25 $14,027 $601 $601 05/05/2025 $25,000 238
04/25 $14,546 $601 $601 04/05/2025 $25,000 238
03/25 $15,064 $601 $601 03/05/2025 $25,000 238
02/25 $15,576 $601 $601 02/05/2025 $25,000 238
01/25 $16,094 $601 $601 01/05/2025 $25,000 238
12/24 $16,601 $601 $601 12/05/2024 $25,000 238
11/24 $17,104 $601 $601 11/05/2024 $25,000 238
10/24 $17,608 $601 $601 10/05/2024 $25,000 238
09/24 $18,106 $601 $601 09/05/2024 $25,000 238
08/24 $18,604 $601 $601 08/05/2024 $25,000 238
07/24 $19,096 $601 $601 07/05/2024 $25,000 238
06/24 $19,585 $601 $601 06/05/2024 $25,000 238
05/24 $20,074 $601 $601 05/05/2024 $25,000 238
04/24 $20,557 $601 $601 04/05/2024 $25,000 238
03/24 $21,042 $601 $601 03/05/2024 $25,000 238
02/24 $21,519 $601 $601 02/05/2024 $25,000 238
01/24 $22,002 $601 $601 01/05/2024 $25,000 238
12/23 $22,474 $601 $601 12/05/2023 $25,000 238
11/23 $22,942 $601 $601 11/05/2023 $25,000 238
10/23 $23,413 $601 $601 10/05/2023 $25,000 238
09/23 $23,876 $601 $601 09/05/2023 $25,000 238
08/23 $24,341 $601 $601 08/05/2023 $25,000 238

Narrative Code Narrative Code Description

238 Unsecured

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Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

CITICARDS CBNA

5800 SOUTH CORPORATE PLACE, SIOUX FALLS, SD 57108 | (800) 950-5114 Date Reported: 08/19/2025 | Balance: $6,952
Account Number: *0705 | Owner: Individual Account Credit Limit: $59,700 | High Credit: $53,065
Loan/Account Type: Flexible Spending Credit Card | Status: Pays As Agreed

Date Opened: 02/01/1998 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 07/29/2025 Date Major Delinquency 1st Reported: Months Reviewed: 99
Scheduled Payment Amount: $70 Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 07/29/2025 Date Closed: Balloon Payment Date:
Term Duration: Activity Designator: Narrative Code(s): 167, 275

Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2025
2024
2023
2022
2021
2020

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

24 Month History

Balance Scheduled Actual Payment Last Payment Past Due High Credit Credit Limit Narrative Codes
Payment Amount Amount Date Amount
07/25 $4,503 $45 07/02/2025 $53,065 $59,700 167, 275, 233
06/25 $8,906 $89 06/03/2025 $53,065 $59,700 167, 275, 233
05/25 $4,046 $41 05/03/2025 $53,065 $59,700 167, 275, 233
04/25 $9,348 $93 04/02/2025 $53,065 $59,700 167, 275, 233
03/25 $5,242 $52 03/01/2025 $53,065 $59,700 167, 275, 233
02/25 $5,340 $53 02/01/2025 $53,065 $59,700 167, 275, 233
01/25 $3,355 $41 01/03/2025 $53,065 $59,700 167, 275, 233
12/24 $3,227 $41 12/03/2024 $53,065 $59,700 167, 275, 233
11/24 $6,850 $69 11/02/2024 $53,065 $59,700 167, 275, 233
10/24 $9,511 $2,252 10/03/2024 $53,065 $59,700 167, 275, 233
09/24 $5,181 $52 08/31/2024 $53,065 $59,700 167, 275, 233
08/24 $1,831 $41 08/02/2024 $53,065 $59,700 167, 275, 233
07/24 $3,395 $41 07/02/2024 $53,065 $59,700 167, 275, 233
06/24 $6,351 $64 06/01/2024 $53,065 $59,700 167, 275, 233
05/24 $3,424 $41 05/02/2024 $53,065 $59,700 167, 275, 233
04/24 $6,049 $60 04/10/2024 $53,065 $59,700 167, 275, 233
03/24 $3,770 $41 03/02/2024 $53,065 $59,700 167, 275, 233
02/24 $3,761 $41 02/02/2024 $53,065 $59,700 167, 275, 233
01/24 $3,400 $41 01/03/2024 $53,065 $59,700 167, 275, 233
12/23 $11,319 $116 12/02/2023 $53,065 $59,700 167, 275, 233
11/23 $3,083 $41 11/02/2023 $53,065 $59,700 167, 275, 233
10/23 $5,578 $56 09/30/2023 $53,065 $59,700 167, 275, 233
09/23 $4,689 $156 09/02/2023 $53,065 $59,700 167, 275, 233
08/23 $7,993 $192 08/02/2023 $53,065 $59,700 167, 275, 233

Narrative Code Narrative Code Description

167 Consumer Disputes After Resolution
275 Flexible Spending Credit Card
233 Amount in High Credit Column is Credit Limit

000000001-DISC Page 5 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

DISCOVER CARD

PO BOX 30939, SALT LAKE CITY, UT 841300939 | (800) 347-2683 Date Reported: 08/11/2025 | Balance: $0
Account Number: *2426 | Owner: Individual Account Credit Limit: $15,000 | High Credit: $15,016
Loan/Account Type: Credit Card | Status: Pays As Agreed

Date Opened: 04/15/2005 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 02/27/2025 Date Major Delinquency 1st Reported: Months Reviewed: 99
Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 02/27/2025 Date Closed: Balloon Payment Date:
Term Duration: Activity Designator: Narrative Code(s): 002

Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2025
2024
2023
2022
2021
2020
2019

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

24 Month History

Balance Scheduled Actual Payment Last Payment Past Due High Credit Credit Limit Narrative Codes
Payment Amount Amount Date Amount
07/25 $0 02/27/2025 $15,016 $15,000 002, 233
06/25 $0 02/27/2025 $15,016 $15,000 002, 233
05/25 $0 02/27/2025 $15,016 $15,000 002, 233
04/25 $0 02/27/2025 $15,016 $15,000 002, 233
03/25 $0 02/27/2025 $15,016 $15,000 002, 233
02/25 $3,096 $62 02/02/2025 $15,016 $15,000 002, 233
01/25 $4,096 $82 01/03/2025 $15,016 $15,000 002, 233
12/24 $6,596 $132 12/03/2024 $15,016 $15,000 002, 233
11/24 $7,596 $152 11/03/2024 $15,016 $15,000 002, 233
10/24 $2,296 $46 10/03/2024 $15,016 $15,000 002, 233
09/24 $2,796 $56 09/01/2024 $15,016 $15,000 002, 233
08/24 $3,296 $66 08/02/2024 $15,016 $15,000 002, 233
07/24 $4,296 $86 07/02/2024 $15,016 $15,000 002, 233
06/24 $4,796 $96 06/02/2024 $15,016 $15,000 002, 233
05/24 $5,395 $108 05/02/2024 $15,016 $15,000 002, 233
04/24 $2,188 $47 03/31/2024 $15,016 $15,000 002, 233
03/24 $7,411 $149 03/03/2024 $15,016 $15,000 002, 233
02/24 $8,373 $168 02/02/2024 $15,016 $15,000 002, 233
01/24 $10,822 $217 01/03/2024 $15,016 $15,000 002, 233
12/23 $11,763 $236 12/03/2023 $15,016 $15,000 002, 233
11/23 $12,951 $260 11/02/2023 $15,016 $15,000 002, 233
10/23 $13,882 $278 10/01/2023 $15,016 $15,000 002, 233
09/23 $14,113 $283 09/03/2023 $15,016 $15,000 002, 233
08/23 $14,341 $287 08/02/2023 $15,016 $15,000 002, 233

Narrative Code Narrative Code Description

002 Credit Card
233 Amount in High Credit Column is Credit Limit

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Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

JPMCB - HOME LENDING

700 KANSAS LANE,, MC: LA4-6945, MONROE, LA 71203 | (800) 848-9136 Date Reported: 08/05/2025 | Balance: $40,036
Account Number: *4972 | Owner: Individual Account Credit Limit: $56,500 | High Credit: $56,383
Loan/Account Type: Home Equity Line Of Credit | Status: Pays As Agreed

Date Opened: 10/26/2005 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 08/05/2025 Date Major Delinquency 1st Reported: Months Reviewed: 72
Scheduled Payment Amount: $237 Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: $237 Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 07/30/2025 Date Closed: 10/31/2015 Balloon Payment Date:
Term Duration: Activity Designator: Narrative Code(s): 121, 294, 073

Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2025
2024
2023
2022
2021

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

24 Month History

Balance Scheduled Actual Payment Last Payment Past Due High Credit Credit Limit Narrative Codes
Payment Amount Amount Date Amount
07/25 $40,028 $245 $245 06/30/2025 $56,383 $56,500 121, 294, 073, 233
06/25 $40,036 $237 $237 05/30/2025 $56,383 $56,500 121, 294, 073, 233
05/25 $40,028 $245 $245 04/30/2025 $56,383 $56,500 121, 294, 073, 233
04/25 $40,036 $221 $221 03/30/2025 $56,383 $56,500 121, 294, 073, 233
03/25 $40,012 $252 $252 03/01/2025 $56,383 $56,500 121, 294, 073, 233
02/25 $40,044 $240 $240 01/30/2025 $56,383 $56,500 121, 294, 073, 233
01/25 $40,047 $246 $246 12/30/2024 $56,383 $56,500 121, 294, 073, 233
12/24 $40,037 $261 $261 11/30/2024 $56,383 $56,500 121, 294, 073, 233
11/24 $40,052 $260 $260 10/30/2024 $56,383 $56,500 121, 294, 073, 233
10/24 $40,051 $278 $278 09/30/2024 $56,383 $56,500 121, 294, 073, 233
09/24 $40,069 $278 $278 08/30/2024 $56,383 $56,500 121, 294, 073, 233
08/24 $40,069 $269 $269 07/30/2024 $56,383 $56,500 121, 294, 073, 233
07/24 $40,060 $287 $287 06/30/2024 $56,383 $56,500 121, 294, 073, 233
06/24 $40,078 $260 $260 05/30/2024 $56,383 $56,500 121, 294, 073, 233
05/24 $40,069 $278 $278 04/30/2024 $56,383 $56,500 121, 294, 073, 233
04/24 $40,069 $251 $251 03/30/2024 $56,383 $56,500 121, 294, 073, 233
03/24 $40,042 $287 $287 03/01/2024 $56,383 $56,500 121, 294, 073, 233
02/24 $40,069 $278 12/30/2023 $56,383 $56,500 121, 294, 073, 233
01/24 $40,069 $278 $278 12/30/2023 $56,383 $56,500 121, 294, 073, 233
12/23 $40,070 $269 $269 11/30/2023 $56,383 $56,500 121, 294, 073, 233
11/23 $40,079 $269 $269 10/30/2023 $56,383 $56,500 121, 294, 073, 233
10/23 $40,061 $278 $278 09/30/2023 $56,383 $56,500 121, 294, 073, 233
09/23 $40,070 $272 $272 08/30/2023 $56,383 $56,500 121, 294, 073, 233
08/23 $40,064 $261 $261 07/30/2023 $56,383 $56,500 121, 294, 073, 233

Narrative Code Narrative Code Description

121 Home Equity Loan
294 Credit Line No Longer Available - In Repayment Phase
073 Line of Credit
233 Amount in High Credit Column is Credit Limit

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Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

JPMCB - HOME LENDING

700 KANSAS LANE,, MC: LA4-6945, MONROE, LA 71203 | (800) 848-9136 Date Reported: 08/05/2025 | Balance: $199,217
Account Number: *5240 | Owner: Joint Account Credit Limit: | High Credit: $272,000
Loan/Account Type: Conventional Re Mortgage | Status: Pays As Agreed

Date Opened: 03/29/2021 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 08/05/2025 Date Major Delinquency 1st Reported: Months Reviewed: 46
Scheduled Payment Amount: $2,225 Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: $2,225 Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 08/05/2025 Date Closed: Balloon Payment Date:
Term Duration: 15 Years Activity Designator: Narrative Code(s): 127, 152

Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2025
2024
2023
2022
2021

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

24 Month History

Balance Scheduled Actual Payment Last Payment Past Due High Credit Credit Limit Narrative Codes
Payment Amount Amount Date Amount
07/25 $200,618 $2,225 $2,225 07/05/2025 $272,000 127, 152
06/25 $202,016 $2,225 $2,225 06/05/2025 $272,000 127, 152
05/25 $203,411 $2,225 $2,225 05/05/2025 $272,000 127, 152
04/25 $204,803 $2,228 $2,228 04/05/2025 $272,000 127, 152
03/25 $206,193 $2,228 $2,228 03/05/2025 $272,000 127, 152
02/25 $207,580 $2,228 $2,228 02/05/2025 $272,000 127, 152
01/25 $208,964 $2,228 $2,228 01/05/2025 $272,000 127, 152
12/24 $210,345 $2,228 $2,228 12/05/2024 $272,000 127, 152
11/24 $211,724 $2,228 $2,228 11/05/2024 $272,000 127, 152
10/24 $213,100 $2,228 $2,228 10/05/2024 $272,000 127, 152
09/24 $214,473 $2,228 $2,228 09/05/2024 $272,000 127, 152
08/24 $215,844 $2,228 $2,228 08/05/2024 $272,000 127, 152
07/24 $217,211 $2,228 $2,228 07/05/2024 $272,000 127, 152
06/24 $218,576 $2,228 $2,228 06/05/2024 $272,000 127, 152
05/24 $219,939 $2,228 $2,228 05/05/2024 $272,000 127, 152
04/24 $221,299 $2,243 $2,243 04/05/2024 $272,000 127, 152
03/24 $222,656 $2,243 $2,243 03/05/2024 $272,000 127, 152
02/24 $224,010 $2,243 $2,243 02/05/2024 $272,000 127, 152
01/24 $225,362 $2,243 $2,243 01/05/2024 $272,000 127, 152
12/23 $226,711 $2,243 $2,243 12/05/2023 $272,000 127, 152
11/23 $228,057 $2,243 $2,243 11/05/2023 $272,000 127, 152
10/23 $229,401 $2,243 $2,243 10/05/2023 $272,000 127, 152
09/23 $230,742 $2,243 $2,243 09/05/2023 $272,000 127, 152
08/23 $232,080 $2,243 $2,243 08/05/2023 $272,000 127, 152

Narrative Code Narrative Code Description

127 Real Estate Mortgage
152 Conventional Mortgage

000000001-DISC Page 8 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

NATIONSTAR DBA MR COOPER.

PO Box 199111, Dallas, TX 752199111 | (888) 480-2432 Date Reported: 06/30/2025 | Balance: $671,242
Account Number: *0298 | Owner: Joint Account Credit Limit: | High Credit: $700,000
Loan/Account Type: Conventional Re Mortgage | Status: Pays As Agreed

Date Opened: 11/02/2022 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 06/30/2025 Date Major Delinquency 1st Reported: Months Reviewed: 6
Scheduled Payment Amount: $5,811 Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: $6,500 Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 06/13/2025 Date Closed: Balloon Payment Date:
Term Duration: 30 Years Activity Designator: Narrative Code(s): 127, 152, 132

Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2025
2024

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

24 Month History

Balance Scheduled Actual Payment Last Payment Past Due High Credit Credit Limit Narrative Codes
Payment Amount Amount Date Amount
05/25 $672,688 $5,811 $6,500 05/15/2025 $700,000 127, 152, 132
04/25 $674,125 $5,811 $6,500 04/15/2025 $700,000 127, 152, 132
03/25 $674,897 $6,471 $6,500 03/14/2025 $700,000 127, 152, 132
02/25 $675,665 $6,471 $6,500 02/14/2025 $700,000 127, 152, 132
01/25 $676,429 $6,471 $6,500 01/10/2025 $700,000 127, 152, 132
12/24 $677,189 $6,471 $6,500 12/27/2024 $700,000 132, 127, 152

Narrative Code Narrative Code Description

127 Real Estate Mortgage
152 Conventional Mortgage
132 Fixed Rate

000000001-DISC Page 9 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

CAPITAL ONE BANK USA NA

PO BOX 31293, Salt Lake City, UT 841311293 | (800) 955-7070 Date Reported: 07/23/2025 | Balance: $0
Account Number: *8353 | Owner: Individual Account Credit Limit: $20,000 | High Credit: $19,953
Loan/Account Type: Flexible Spending Credit Card | Status: Pays As Agreed

Date Opened: 05/09/2003 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 02/01/2025 Date Major Delinquency 1st Reported: Months Reviewed: 99
Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 02/01/2025 Date Closed: Balloon Payment Date:
Term Duration: Activity Designator: Narrative Code(s): 275

Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2025
2024
2023
2020
2019

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

24 Month History

Balance Scheduled Actual Payment Last Payment Past Due High Credit Credit Limit Narrative Codes
Payment Amount Amount Date Amount
06/25 $0 02/01/2025 $19,953 $20,000 275, 233
05/25 $0 02/01/2025 $19,953 $20,000 275, 233
04/25 $0 02/01/2025 $19,953 $20,000 275, 233
03/25 $0 02/01/2025 $19,953 $20,000 275, 233
02/25 $0 02/01/2025 $19,953 $20,000 275, 233
01/25 $1,506 $25 01/03/2025 $19,953 $20,000 275, 233
12/24 $0 12/03/2024 $19,953 $20,000 275, 233
11/24 $72 $25 11/02/2024 $19,953 $20,000 275, 233
10/24 $459 $25 10/03/2024 $19,953 $20,000 275, 233
09/24 $591 $25 08/31/2024 $19,953 $20,000 275, 233
08/24 $3,702 $37 08/02/2024 $19,953 $20,000 275, 233
07/24 $246 $25 07/02/2024 $19,953 $20,000 275, 233
06/24 $253 $25 06/01/2024 $19,953 $20,000 275, 233
05/24 $494 $25 05/02/2024 $19,953 $20,000 275, 233
04/24 $239 $25 03/30/2024 $19,953 $20,000 275, 233
03/24 $234 $25 03/02/2024 $19,953 $20,000 275, 233
02/24 $1,904 $25 02/02/2024 $19,953 $20,000 275, 233
01/24 $258 $25 01/03/2024 $19,953 $20,000 275, 233
12/23 $206 $25 12/02/2023 $19,953 $20,000 275, 233
11/23 $184 $25 11/02/2023 $19,953 $20,000 275, 233
10/23 $204 $25 09/30/2023 $19,953 $20,000 275, 233
09/23 $444 $25 09/02/2023 $19,953 $20,000 275, 233
08/23 $130 $25 08/02/2023 $19,953 $20,000 275, 233

Narrative Code Narrative Code Description

275 Flexible Spending Credit Card
233 Amount in High Credit Column is Credit Limit

000000001-DISC Page 10 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

HYUNDAI MOTOR FINANCE - Closed

10550 Talbert Ave, Fountain Valley, CA 927086031 | (714) 965-4838 Date Reported: 11/30/2024 | Balance: $0
Account Number: *8223 | Owner: Individual Account Credit Limit: | High Credit: $12,715
Loan/Account Type: Auto Lease | Status: Pays As Agreed

Date Opened: 10/09/2021 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 10/08/2024 Date Major Delinquency 1st Reported: Months Reviewed: 37
Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 10/08/2024 Date Closed: 11/12/2024 Balloon Payment Date:
Term Duration: 36 Months Activity Designator: Paid and Closed Narrative Code(s): 158, 214, 205

Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024
2023
2022
2021

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

24 Month History

Balance Scheduled Actual Payment Last Payment Past Due High Credit Credit Limit Narrative Codes
Payment Amount Amount Date Amount
07/24 $353 $385 $385 07/02/2024 $12,715 214, 247
06/24 $706 $385 $385 06/02/2024 $12,715 214, 247
05/24 $1,059 $385 $385 05/02/2024 $12,715 214, 247
04/24 $1,412 $385 $385 04/02/2024 $12,715 214, 247
03/24 $1,766 $385 $385 03/02/2024 $12,715 214, 247
02/24 $2,119 $385 $385 02/02/2024 $12,715 214, 247
01/24 $2,472 $385 $385 01/02/2024 $12,715 214, 247
12/23 $2,825 $385 $385 12/02/2023 $12,715 214, 247
11/23 $3,178 $385 $385 11/02/2023 $12,715 214, 247
10/23 $3,532 $385 $385 10/02/2023 $12,715 214, 247
09/23 $3,885 $385 $385 09/02/2023 $12,715 214, 247
08/23 $4,238 $385 $385 08/02/2023 $12,715 214, 247

Narrative Code Narrative Code Description

158 Closed or Paid Account/Zero Balance
214 Auto
205 Lease - Full Termination
247 Lease

000000001-DISC Page 11 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

FLAGSTAR BANK - Closed

5151 Corporate Dr, Troy, MI 480982639 | (800) 945-7700 Date Reported: 12/06/2024 | Balance: $0
Account Number: *2152 | Owner: Joint Account Credit Limit: | High Credit: $700,000
Loan/Account Type: Conventional Re Mortgage | Status: Pays As Agreed

Date Opened: 11/02/2022 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 11/19/2024 Date Major Delinquency 1st Reported: Months Reviewed: 22
Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: $6,500 Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 11/19/2024 Date Closed: 12/02/2024 Balloon Payment Date:
Term Duration: 30 Years Activity Designator: Transfer/Sold Narrative Code(s): 123, 127, 152

Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024
2023

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

24 Month History

Balance Scheduled Actual Payment Last Payment Past Due High Credit Credit Limit Narrative Codes
Payment Amount Amount Date Amount
11/24 $678,695 $6,471 $6,500 10/15/2024 $700,000 127, 152, 132
10/24 $679,442 $6,471 $6,500 09/16/2024 $700,000 127, 152, 132
09/24 $680,184 $6,471 $6,500 08/20/2024 $700,000 127, 152, 132
08/24 $680,923 $6,471 $6,500 07/19/2024 $700,000 127, 152, 132
07/24 $681,657 $6,471 $6,500 06/21/2024 $700,000 127, 152, 132
06/24 $683,182 $6,471 $13,500 05/21/2024 $700,000 127, 152, 132
05/24 $688,758 $5,319 03/19/2024 $700,000 127, 152, 132
04/24 $688,733 $5,319 $6,000 03/19/2024 $700,000 127, 152, 132
03/24 $686,586 $5,319 $6,000 02/21/2024 $700,000 127, 152, 132
02/24 $687,937 $5,319 $6,000 01/19/2024 $700,000 127, 152, 132
01/24 $689,280 $5,319 $12,000 12/19/2023 $700,000 127, 152, 132
12/23 $692,790 $5,826 $6,000 11/10/2023 $700,000 127, 152, 132
11/23 $692,261 $5,826 $6,000 10/18/2023 $700,000 127, 152, 132
10/23 $692,850 $5,826 $6,000 09/15/2023 $700,000 127, 152, 132
09/23 $693,663 $5,826 $6,000 08/16/2023 $700,000 127, 152, 132
08/23 $694,470 $5,826 $6,000 07/15/2023 $700,000 127, 152, 132

Narrative Code Narrative Code Description

123 Account Transferred or Sold
127 Real Estate Mortgage
152 Conventional Mortgage
132 Fixed Rate

000000001-DISC Page 12 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

AMERICAN EXPRESS - Closed

PO Box 981537, El Paso, TX 799981537 | (800) 874-2717 Date Reported: 06/21/2016 | Balance: $0
Account Number: *6433 | Owner: Individual Account Credit Limit: $10,700 | High Credit: $1,034
Loan/Account Type: Credit Card | Status: Pays As Agreed

Date Opened: 05/08/2000 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 05/01/2016 Date Major Delinquency 1st Reported: Months Reviewed: 57
Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: Date Closed: 06/01/2016 Balloon Payment Date:
Term Duration: Activity Designator: Transfer/Sold Narrative Code(s): 123

Narrative Code Narrative Code Description

123 Account Transferred or Sold

LOANDEPOT.COM LLC - Closed

6561 IRVINE CENTER DR, IRVINE, CA 926182808 | (888) 337-6888 Date Reported: 10/07/2021 | Balance: $0
Account Number: *3006 | Owner: Joint Account Credit Limit: | High Credit: $272,000
Loan/Account Type: Conventional Re Mortgage | Status: Pays As Agreed

Date Opened: 03/29/2021 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 09/01/2021 Date Major Delinquency 1st Reported: Months Reviewed: 6
Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: $2,500 Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 09/01/2021 Date Closed: 10/01/2021 Balloon Payment Date:
Term Duration: 15 Years Activity Designator: Transfer/Sold Narrative Code(s): 123, 132

Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Narrative Code Narrative Code Description

123 Account Transferred or Sold
132 Fixed Rate

000000001-DISC Page 13 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

NAVIENT SOLUTIONS - Closed

PO BOX 8004, FISHERS, IN 460388004 | (877) 614-1160 Date Reported: 08/31/2020 | Balance: $0
Account Number: *0060 | Owner: Individual Account Credit Limit: | High Credit: $27,993
Loan/Account Type: Education Loan | Status: Pays As Agreed

Date Opened: 05/05/2006 Date of 1st Delinquency: Terms Frequency:

Date of Last Activity: 07/01/2020 Date Major Delinquency 1st Reported: Months Reviewed: 99
Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 07/01/2020 Date Closed: 08/01/2020 Balloon Payment Date:
Term Duration: Activity Designator: Paid and Closed Narrative Code(s): 158, 248, 132

Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
2019

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Narrative Code Narrative Code Description

158 Closed or Paid Account/Zero Balance
248 Student Loan
132 Fixed Rate

MERCEDES-BENZ FINANCIAL SVCS - Closed

PO Box 961, Roanoke, TX 762620961 | (800) 654-6222 Date Reported: 03/01/2017 | Balance: $0
Account Number: *5001 | Owner: Individual Account Credit Limit: | High Credit: $26,290
Loan/Account Type: Auto Lease | Status: Pays As Agreed

Date Opened: 01/26/2013 Date of 1st Delinquency: Terms Frequency: Monthly

Date of Last Activity: 02/01/2017 Date Major Delinquency 1st Reported: Months Reviewed: 49
Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date:
Actual Payment Amount: $568 Charge Off Amount: Balloon Payment Amount:
Date of Last Payment: 02/01/2017 Date Closed: Balloon Payment Date:
Term Duration: 49 Months Activity Designator: Narrative Code(s):

000000001-DISC Page 14 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

Inquiries
A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit
rating/score and those that do not. They may remain on your file for up to 2 years.
l Hard Inquiries that can impact your credit rating/score. When a lender requests to review your credit reports after
you've applied for credit, it results in a hard inquiry which may impact your credit score.
l Soft Inquiries that do not impact your credit rating/score. These are inquiries, for example, from companies making
promotional offers of credit, periodic account reviews by an existing creditor, or your own requests to check your credit
file.

Company Information Inquiry Type Inquiry Date(s)

CAP ONE VIA DEALER Hard 03/29/2024

PO BOX 259407 PLANO TX 750259407
Phone: (800) 946-0332

CREDIT KARMA, INC. Soft 11/19/2024, 11/12/2024, 11/05/2024,

760 MARKET ST FL 5 SAN FRAN CA 941022401 10/29/2024, 10/22/2024, 10/15/2024,
Phone: (510) 833-9776 10/08/2024, 10/01/2024, 09/24/2024,
09/17/2024, 09/10/2024, 09/03/2024,
08/27/2024

CITI CARDS CBNA Soft 06/02/2025

PO Box 6241 Sioux Falls SD 571176241
Phone: (800) 677-0232

CREDIT KARMA, INC Soft 07/28/2025, 10/25/2024

760 MARKET ST SAN FRAN CA 941022401
Phone: (800) 935-0572

YIELD SOLUTIONS GROUP, LLC Soft 09/14/2024

7555 E HAMPDEN AVE DENVER CO 80231-4830
Phone: (720) 405-2500

CREDIT KARMA, INC Soft 08/22/2025

760 MARKET ST SAN FRAN CA 941022401
Phone: (510) 833-9776

CITI CARDS CBNA Soft 08/12/2025

PO Box 6241 Sioux Falls SD 571176241
Phone: (800) 995-5114

JEFFERSON CAPITAL GROUP, LLC Soft 12/16/2024, 11/14/2024, 10/10/2024,

6695 PEACHTREE INDUSTRIAL BLVD DORAVILLE 09/23/2024
GA 30360-2175
Phone: (888) 833-2444

EQUIFAX - MOBILE SVCS PLATFORM Soft 10/18/2024

1505 WINDWARD CONCOURSE ALPHARETTA GA
30005-4180
Phone: (770) 740-5003

EQUIFAX - TALX Soft 08/25/2025

11432 LACKLAND RD SAINT LOUIS MO 631463516
Phone: (888) 378-4329

000000001-DISC Page 15 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

Inquiries
A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit
rating/score and those that do not.

Company Information Inquiry Type Inquiry Date(s)

EQUIFAX INC (0100) Soft 08/25/2025

1550 PEACHTREE ST NW ATLANTA GA 303092468
Phone: (404) 885-8000

EQUIFAX - DIT Soft 10/18/2024

11432 LACKLAND RD SAINT LOUIS MO
63146-3516
Phone: (314) 991-6909

DISCOVER FINANCIAL SVCS, INC/ Soft 10/18/2024

PO BOX 15157 WILMINGTON DE 19886-1003
Phone: (111) 111-1111

CHASE MTG Soft 03/04/2025, 02/03/2025

P O BOX 24969 COLUMBUS OH 43224
Phone: (800) 848-9136

EQUIFAX - DIT Soft 08/25/2025

11432 LACKLAND RD SAINT LOUIS MO 63146
Phone:

EQUIFAX- IFS Soft 10/18/2024, 04/08/2024

1525 WINDWARD CONCOURSE ALPHARETTA GA
30005-4180
Phone: (770) 740-5574

CAPITAL ONE NTL ASSOC Soft 08/21/2025

11013 W Broad St Glen Allen VA 230606017
Phone: (800) 955-7070

Capital One Soft 07/29/2025, 07/01/2025

PO Box 30253 Salt Lake City UT 841300253
Phone: (800) 477-6000

000000001-DISC Page 16 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045
Para información en español, 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.

l 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.

l 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:

m a person has taken adverse action against you because of information in your credit report;
m you are the victim of identity theft and place a fraud alert in your file;
m your file contains inaccurate information as a result of fraud;
m you are on public assistance;
m 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.

l 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.

l 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.

l 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.

000000001-DISC Page 17 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045
l 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.

l 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.

l 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.

l 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 1-888-5-OPTOUT (1-888-567-8688).

l 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.

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.

l 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.

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

000000001-DISC Page 18 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

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

TYPE OF BUSINESS: CONTACT:

1.a. Banks, savings associations, and credit unions with total assets of a. Consumer Financial Protection Bureau
over $10 billion and their affiliates. 1700 G Street, NW
Washington, DC 20552

b. Such affiliates that are not banks, savings associations, or credit b. Federal Trade Commission
unions also should list, in addition to the CFPB: Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
(877) 382-4357
2. To the extent not included in item 1 above: a. Office of the Comptroller of the Currency
Customer Assistance Group
a. National banks, federal savings associations, and federal P.O. Box 53570
Houston, TX 77052
branches and federal agencies of foreign banks
b. Federal Reserve Consumer Help Center
b. State member banks, branches and agencies of foreign banks P.O. Box 1200
(other than federal branches, federal agencies, and Insured State Minneapolis, MN 55480
Branches of Foreign Banks), commercial lending companies owned or
controlled by foreign banks, and organizations operating under c. Division of Depositor and Consumer Protection
section 25 or 25A of the Federal Reserve Act. National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
c. Nonmember Insured Banks, Insured State Branches of Foreign Kansas City, MO 64106
Banks, and insured state savings associations
d. National Credit Union Administration
d. Federal Credit Unions Office of Consumer Financial Protection
1775 Duke Street
Alexandria, VA 22314
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 the 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 the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Division Regional Office
6. Small Business Investment Companies Associate Administrator, Office of Capital Access
United States Small Business Association
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. Institutions that are members of the Farm Credit System Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Federal Trade Commission
Above Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
(877) 382-4357

000000001-DISC Page 19 of 20 5237601045-EFX-ACR-0f31010400001f4e-08252025

Prepared for:
GLYNN E THOMPSON
Date: August 25, 2025
Confirmation # 5237601045

STATE OF CALIFORNIA - NOTICE TO CONSUMERS

You have a right to obtain a copy of your credit file from a consumer credit reporting agency. You may be charged a
reasonable fee not exceeding eight dollars ($8.00). There is no fee, however, if you have been turned down for
credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding
60 days. The consumer credit reporting agency must provide someone to help you interpret the information in your
credit file.

You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly.
However, neither you nor any credit repair company or credit service organization has the right to have accurate,
current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the
consumer credit reporting agency must remove accurate, negative information from your report only if it is over
seven (7) years old. Bankruptcy information can be reported for ten (10) years.

If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of information in
your file, the consumer credit reporting agency must then, within 30 business days, reinvestigate and modify or
remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service. Any
pertinent information and copies of all documents you have concerning an error should be given to the consumer
credit reporting agency.

If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer
credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit
reporting agency must include your statement about disputed information in a report it issues about you.

You have a right to receive a record of all inquiries relating to a credit transaction initiated in 12 months preceding
your request. This record shall include the recipients of any consumer credit report.

You have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly
obtains access to a file, knowingly or willfully misuses file data, or fails to correct inaccurate file data.

If you are a victim of identity theft and provide to a consumer credit reporting agency a copy of a valid police report
or a valid identity theft report, the following shall apply:

You have a right to have any information you list on the report as allegedly fraudulent promptly blocked so that the
information cannot be reported. The information will be unblocked only if (A) the information you provide is a
material misrepresentation of the facts, (B) you agree that the information is blocked in error, or (C) you knowingly
obtained possession of goods, services, or moneys as result of the blocked transactions. If blocked information is
unblocked, you will be promptly notified.

You have a right to receive, free of charge and upon request, one copy of your credit report each month for up to 12
consecutive months.

If you have requested the credit file and not the credit score, you may request and obtain a credit score. The charge
for the credit score is $0.00. To obtain a credit score from Equifax call 888-EQUIFAX (888-378-4329).

You may also mail your request to: Equifax, P.O. Box 105379, Atlanta, GA 30348-5379. Using any other address may
delay the processing of your request. Please include your complete name, complete address, social security number
and date of birth.

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