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Prepared For

THANG PHAM
Personal & Confidential

Date Generated Feb 22, 2024

Report Number 1858-6516-27

At a
Glance 17 Accounts 0 Public Records 12 Hard Inquiries

Personal Information

4 Names 9 Addresses 3 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

THANG X PHAM THANG PHAM PHAM X THANG THANG XUAN

PHAM
Name ID #23060 Name ID #17624 Name ID #29813
Name ID #17442

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Addresses

35243 DAVISON 580 E 13 MILE RD 4734 E 12 MILE 580 E 13 MILE RD

ST APT101 RD MADISON
STERLING HTS MADISON WARREN MI, HEIGHTS MI,
MI, 48310-5151 HEIGHTS MI, 48092-2312 48071-2145
48071-2145
Address ID Address ID Address ID
#0109995543 Address ID #0102285521 #0258872567
Single family #0102048472 Single family Multifamily
Apartment
complex

13 MILE ROAD 530 E 13 MILE RD 118 LEXINGTON 280 E 13 MILE RD

APT 101 APT101 AVE APT101
MADISON MADISON EAST LANSING MADISON
HEIGHTS MI, HEIGHTS MI, MI, 48823-4623 HEIGHTS MI,
48071 48071-2141 48071-2100
Address ID
Address ID Address ID #0111501979 Address ID
#0505261318 #0102048433 Single family #0218852383
Apartment Apartment Apartment
complex complex complex

129 SWEET
WATER BND
ROYAL PALM
BEACH FL, 33411-
8659

Address ID
#0074054528
Single family

Year of Birth

1975

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Phone Numbers

(248) 607-9067 (248) 508-7327 (586) 838-0508

Residential Cellular Cellular

Employers

BE NAILS PARIS NAILS AND SPA PRO SPA

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

AMERICAN HONDA FINANCE

 Account Info
Account Name AMERICAN HONDA FINANCE

Account Number 47373XXXX

Account Type Auto Loan

Responsibility Joint with TRINH NGUYEN

Date Opened 08/29/2023

Status Paid, Closed/Never late.

Status Updated Oct 2023

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $17,072

Highest Balance -

Terms 48 Months

On Record Until Oct 2033

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

2023 — — — — — — —   CLS — —

 Current / Terms met CLS Closed

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

 Balance Histories
Date Balance Scheduled Payment Paid

Sep 2023 $16,753 $411 $411 on 9/25/2023

Aug 2023 $17,072 $411 $0

Additional info
The original amount of this account was $17,072

 Contact Info
Address PO BOX 168128,
IRVING TX 75016

Phone Number (800) 916-9930

AMERICAN HONDA FINANCE

 Account Info
Account Name AMERICAN HONDA FINANCE

Account Number 47551XXXX

Account Type Auto Loan

Responsibility Joint with TRINH T NGUYEN

Date Opened 10/17/2023

Status Open/Never late.

Status Updated Feb 2024

Balance $19,844

Balance Updated 02/17/2024

Recent Payment $389 as of 2/3/2024

Monthly Payment $389

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Original Balance $21,157

Highest Balance -

Terms 60 Months

 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

Jan 2024 $20,165 $389 $389 on 1/3/2024

Dec 2023 $20,481 $389 $389 on 12/1/2023

Nov 2023 $20,811 $389 $389 on 11/5/2023

Oct 2023 $21,157 $389 $0

Additional info
The original amount of this account was $21,157

 Contact Info
Address PO BOX 168128,
IRVING TX 75016

Phone Number (800) 916-9930

BANK OF AMERICA

 Account Info
Account Name BANK OF AMERICA

Account Number 440066XXXXXXXXXX

Account Type Credit card

Responsibility Individual

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Date Opened 05/21/2012

Status Paid, Closed/Never late.

Status Updated Apr 2021

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $1,500

Highest Balance $1,568

Terms -

On Record Until Apr 2031

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

2021    CLS — — — — — — — —

2020            

2019            

2018            

2017            

2016            

2015            

2014 — — — —        

 Current / Terms met CLS Closed

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

 Contact Info
Address PO BOX 982238,
EL PASO TX 79998

Phone Number (800) 421-2110

 Comment
Current:

Account closed at consumer's request.

Previous:
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None

BEST BUY/CBNA

 Account Info
Account Name BEST BUY/CBNA

Account Number 700119XXXXXXXXXX

Account Type Charge Card

Responsibility Individual

Date Opened 09/28/2011

Status Paid, Closed/Never late.

Status Updated Sep 2020

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $700

Highest Balance $680

Terms -

On Record Until Sep 2030

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

2020         CLS — — —

2019            

2018            

2017            

2016            

2015            

2014            

2013 — — — — — — — — — —  

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Sep 2030.

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 Contact Info
Address PO BOX 6497,
SIOUX FALLS SD 57117

Phone Number (888) 574-1301

 Comment
Current:

Account closed at credit grantor's request.

Previous:

None

CAPITAL ONE

 Account Info
Account Name CAPITAL ONE

Account Number 517805XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 11/30/2010

Status Open/Never late.

Status Updated Feb 2024

Balance $1,230

Balance Updated 02/12/2024

Recent Payment -

Monthly Payment $36

Credit Limit $9,750

Highest Balance $3,879

Terms -

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

2024   — — — — — — — — — —

2023            

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2022            

2021            

2020            

2019            

2018            

2017 — —          

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jan 2024 $1,570 $41 $0 on 12/19/2023

Dec 2023 $3,399 $33 $0 on 11/15/2023

Nov 2023 $492 $15 $0 on 10/19/2023

Oct 2023 $720 $15 $0 on 9/29/2023

Sep 2023 $1,035 $32 $0 on 8/19/2023

Aug 2023 $1,866 $49 $0 on 7/20/2023

Jul 2023 $1,474 $40 $0 on 6/15/2023

Jun 2023 $2,210 $61 $0 on 5/16/2023

May 2023 $890 $26 $0 on 4/18/2023

Apr 2023 $974 $26 $0 on 3/17/2023

Mar 2023 $1,051 $28 $0 on 2/16/2023

Feb 2023 $1,099 $30 $0 on 1/18/2023

Jan 2023 $1,495 $48 $0 on 12/20/2022

Dec 2022 $2,560 $68 $0 on 11/16/2022

Nov 2022 $2,892 $65 $0 on 10/20/2022

Oct 2022 $1,193 $32 $0 on 9/20/2022

Sep 2022 $1,005 $25 $0 on 8/18/2022

Aug 2022 $966 $25 $0 on 7/16/2022

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Date Balance Scheduled Payment Paid

Jul 2022 $1,232 $31 $0 on 6/18/2022

Jun 2022 $1,584 $19 $0 on 5/20/2022

May 2022 $1,301 $30 $0 on 4/16/2022

Apr 2022 $1,161 $32 $0 on 3/23/2022

Mar 2022 $1,620 $42 $0 on 2/17/2022

Feb 2022 $2,003 $52 $0 on 1/19/2022

Additional info
Between Feb 2022 and Jan 2024, your credit limit/high balance was $9,750

 Contact Info
Address PO BOX 31293,
SALT LAKE CITY UT 84131

Phone Number (800) 955-7070

CITIZENS AUTO FINANCE

 Account Info
Account Name CITIZENS AUTO FINANCE

Account Number 275947XXXX

Account Type Auto Loan

Responsibility Individual

Date Opened 07/03/2017

Status Paid, Closed/Never late.

Status Updated Nov 2017

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $18,725

Highest Balance -

Terms 60 Months

On Record Until Nov 2027

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

2017 — — — — — —     CLS —

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Nov 2027.

 Contact Info
Address 480 JEFFERSON BLVD,
WARWICK RI 02886

Phone Number (800) 610-7300

CREDIT ONE BANK

 Account Info
Account Name CREDIT ONE BANK

Account Number 444796XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 09/20/2011

Status Paid, Closed/Never late.

Status Updated May 2019

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $1,950

Highest Balance $1,027

Terms -

On Record Until May 2029

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

2019     CLS — — — — — — —

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2018            

2017            

2016            

2015            

2014            

2013            

2012 — — — — —       

 Current / Terms met CLS Closed

This account is scheduled to continue on record until May 2029.

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

Phone Number (877) 825-3242

 Comment
Current:

Account closed at consumer's request.

Previous:

None

CREDIT ONE BANK

 Account Info
Account Name CREDIT ONE BANK

Account Number 546645XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 02/12/2017

Status Paid, Closed/Never late.

Status Updated May 2019

Balance -

Balance Updated -

Recent Payment -

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Monthly Payment -

Credit Limit $1,000

Highest Balance $60

Terms -

On Record Until May 2029

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

2019     CLS — — — — — — —

2018            

2017 —           

 Current / Terms met CLS Closed

This account is scheduled to continue on record until May 2029.

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

Phone Number (877) 825-3242

 Comment
Current:

Account closed at consumer's request.

Previous:

None

JPMCB CARD

 Account Info
Account Name JPMCB CARD

Account Number 521307XXXXXXXXXX

Account Type Credit Card

Responsibility Individual

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Date Opened 11/13/2022

Status Open/Never late.

Status Updated Feb 2024

Balance $769

Balance Updated 02/01/2024

Recent Payment -

Monthly Payment $40

Credit Limit $14,100

Highest Balance $2,365

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

Jan 2024 $1,131 $40 $0 on 12/4/2023

Dec 2023 $388 $40 $0 on 11/3/2023

Nov 2023 $0 $0 $0 on 11/3/2023

Oct 2023 $862 $40 $0 on 9/28/2023

Sep 2023 $0 $0 $0 on 9/4/2023

Aug 2023 $822 $40 $0 on 7/27/2023

Jul 2023 $987 $40 $0 on 6/28/2023

Jun 2023 $2,365 $40 $0 on 5/2/2023

May 2023 $1,598 $40 $0 on 4/4/2023

Apr 2023 $2,145 $40 $0 on 3/2/2023

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Date Balance Scheduled Payment Paid

Mar 2023 $1,854 $40 $0 on 2/2/2023

Feb 2023 $898 $40 $0 on 1/3/2023

Jan 2023 $2,129 $40 $0 on 12/7/2022

Dec 2022 $803 $40 $0

Additional info
Between Apr 2023 and Jan 2024, your credit limit/high balance was $14,100

Between Dec 2022 and Mar 2023, your credit limit/high balance was $9,100

 Contact Info
Address PO BOX 15369,
WILMINGTON DE 19850

Phone Number (800) 945-2000

MACYS/CBNA

 Account Info
Account Name MACYS/CBNA

Account Number 603534XXXXXXXXXX

Account Type Charge Card

Responsibility Individual

Date Opened 09/09/2013

Status Paid, Closed/Never late.

Status Updated Nov 2023

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $1,300

Highest Balance $1,050

Terms -

On Record Until Nov 2033

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

2023           CLS —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — — — — — 

 Current / Terms met CLS Closed

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

 Contact Info
Address PO BOX 6789,
SIOUX FALLS SD 57117

Phone Number (800) 243-6552

 Comment
Current:

Account closed at credit grantor's request.

Previous:

None

NISSAN MOTOR ACCEPTANCE

 Account Info
Account Name NISSAN MOTOR ACCEPTANCE

Account Number 102425XXXXXXXXX

Account Type Auto Loan

Responsibility Signer with TOAN X PHAM

Date Opened 06/29/2017

Status Paid, Closed/Never late.

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Status Updated Sep 2019

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $31,038

Highest Balance -

Terms 72 Months

On Record Until Sep 2029

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

2019         CLS — — —

2018            

2017 — — — — — —      

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Sep 2029.

 Contact Info
Address 8900 FREEPORT PKWY,
IRVING TX 75063

Phone Number (800) 456-6622

SYNCB/AMER EAGLE DC

 Account Info
Account Name SYNCB/AMER EAGLE DC

Account Number 478431XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 08/12/2014

Status Open/Never late.

Status Updated Feb 2024

Balance $0

Balance Updated 02/20/2024

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Recent Payment -

Monthly Payment $0

Credit Limit $14,200

Highest Balance $2,838

Terms -

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

2024   — — — — — — — — — —

2023            

2022            

2021            

2020            

2019            

2018            

2017 — —          

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jan 2024 $0 $0 $0 on 5/25/2023

Dec 2023 $0 $0 $0 on 5/25/2023

Nov 2023 $0 $0 $0 on 5/25/2023

Oct 2023 $0 $0 $0 on 5/25/2023

Sep 2023 $0 $0 $0 on 5/25/2023

Aug 2023 $0 $0 $0 on 5/25/2023

Jul 2023 $0 $0 $0 on 5/25/2023

Jun 2023 $0 $0 $144 on 5/25/2023

May 2023 $144 $30 $100 on 4/25/2023

Apr 2023 $240 $30 $150 on 3/28/2023

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Date Balance Scheduled Payment Paid

Mar 2023 $384 $30 $350 on 3/1/2023

Feb 2023 $723 $30 $150 on 2/1/2023

Jan 2023 $855 $32 $400 on 12/30/2022

Dec 2022 $1,232 $43 $550 on 12/1/2022

Nov 2022 $1,574 $47 $550 on 11/1/2022

Oct 2022 $1,293 $41 $500 on 9/30/2022

Sep 2022 $1,362 $42 $450 on 9/1/2022

Aug 2022 $786 $29 $350 on 8/1/2022

Jul 2022 $890 $30 $150 on 7/1/2022

Jun 2022 $992 $32 $150 on 6/1/2022

May 2022 $1,027 $35 $550 on 4/29/2022

Apr 2022 $1,515 $45 $550 on 4/1/2022

Mar 2022 $1,599 $52 $150 on 3/1/2022

Feb 2022 $1,541 $44 $150 on 2/1/2022

Additional info
Between Mar 2023 and Jan 2024, your credit limit/high balance was $14,200

Between Feb 2022 and Feb 2023, your credit limit/high balance was $12,000

 Contact Info
Address PO BOX 965005,
ORLANDO FL 32896

Phone Number (866) 913-6165

TD AUTO FINANCE

 Account Info
Account Name TD AUTO FINANCE

Account Number 110038XXXX

Account Type Auto Loan

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Responsibility Joint with TRUNG T TRUONG

Date Opened 06/21/2012

Status Paid, Closed/Never late.

Status Updated May 2017

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $21,466

Highest Balance -

Terms 72 Months

On Record Until May 2027

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

2017     CLS — — — — — — —

2016            

2015            

2014            

2013            

2012 — — — — —       

 Current / Terms met CLS Closed

This account is scheduled to continue on record until May 2027.

 Contact Info
Address PO BOX 9223,
FARMINGTON HILLS MI 48333

Phone Number (800) 556-8172

TD AUTO FINANCE
POTENTIALLY NEGATIVE

 Account Info
Account Name TD AUTO FINANCE

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Account Number 110345XXXX

Account Type Auto Loan

Responsibility Individual

Date Opened 08/25/2020

Status Open. $382 past due as of Jan 2024.

Status Updated Jan 2024

Balance $13,390

Balance Updated 01/31/2024

Recent Payment -

Monthly Payment $382

Original Balance $24,855

Highest Balance -

Terms 75 Months

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

2024 30 — — — — — — — — — — —

2023            

2022            

2021            

2020 — — — — — — — —    

 Current / Terms met 30 Past due 30 days

Payment history guide

30 days past due as of Jan 2024

By Sep 2030, this account is scheduled to go to a positive status.

 Balance Histories
Date Balance Scheduled Payment Paid

Dec 2023 $13,320 $382 $382 on 12/24/2023

Nov 2023 $13,632 $382 $382 on 11/24/2023

Oct 2023 $13,944 $382 $382 on 10/24/2023

Sep 2023 $14,253 $382 $382 on 9/24/2023

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Date Balance Scheduled Payment Paid

Aug 2023 $14,562 $382 $382 on 8/24/2023

Jul 2023 $14,868 $382 $382 on 7/24/2023

Jun 2023 $15,173 $382 $382 on 6/24/2023

May 2023 $15,479 $382 $382 on 5/24/2023

Apr 2023 $15,781 $382 $382 on 4/24/2023

Mar 2023 $16,084 $382 $382 on 3/24/2023

Feb 2023 $16,384 $382 $382 on 2/24/2023

Jan 2023 $16,689 $382 $382 on 1/24/2023

Dec 2022 $16,987 $382 $382 on 12/24/2022

Nov 2022 $17,283 $382 $382 on 11/24/2022

Oct 2022 $17,580 $382 $382 on 10/24/2022

Sep 2022 $17,874 $382 $382 on 9/24/2022

Aug 2022 $18,168 $382 $382 on 8/24/2022

Jul 2022 $18,460 $382 $382 on 7/24/2022

Jun 2022 $18,750 $382 $382 on 6/24/2022

May 2022 $19,041 $382 $382 on 5/24/2022

Apr 2022 $19,328 $382 $382 on 4/24/2022

Mar 2022 $19,617 $382 $0 on 2/24/2022

Feb 2022 $19,540 $382 $382 on 2/24/2022

Additional info
The original amount of this account was $24,855

 Contact Info
Address PO BOX 9223,
FARMINGTON HILLS MI 48333

Phone Number (800) 556-8172

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THE HUNTINGTON NATIONAL BANK

 Account Info
Account Name THE HUNTINGTON NATIONAL BANK

Account Number 200470XXXXX

Account Type Auto Loan

Responsibility Individual

Date Opened 06/25/2015

Status Paid, Closed/Never late.

Status Updated Oct 2019

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $22,135

Highest Balance -

Terms 72 Months

On Record Until Oct 2029

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

2019          CLS — —

2018            

2017            

2016            

2015 — — — — —       

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Oct 2029.

 Contact Info
Address PO BOX 1558,
COLUMBUS OH 43216

Phone Number (800) 480-4862

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THE HUNTINGTON NATIONAL BANK

 Account Info
Account Name THE HUNTINGTON NATIONAL BANK

Account Number 200563XXXXX

Account Type Auto Loan

Responsibility Individual

Date Opened 11/20/2017

Status Paid, Closed/Never late.

Status Updated Aug 2020

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $36,513

Highest Balance -

Terms 72 Months

On Record Until Aug 2030

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

2020        CLS — — — —

2019            

2018            

2017 — — — — — — — — — —  

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Aug 2030.

 Contact Info
Address PO BOX 1558,
COLUMBUS OH 43216

Phone Number (800) 480-4862

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TOYOTA MOTOR CREDIT

 Account Info
Account Name TOYOTA MOTOR CREDIT

Account Number 704030XXXXXXXXXXX

Account Type Auto Loan

Responsibility Individual

Date Opened 10/15/2019

Status Open/Never late.

Status Updated Jan 2024

Balance $13,513

Balance Updated 01/31/2024

Recent Payment $679 as of 1/16/2024

Monthly Payment $679

Original Balance $41,530

Highest Balance -

Terms 72 Months

 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

Dec 2023 $14,125 $679 $679 on 12/13/2023

Nov 2023 $14,742 $679 $679 on 11/14/2023

Oct 2023 $15,354 $679 $679 on 10/13/2023

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Date Balance Scheduled Payment Paid

Sep 2023 $15,959 $679 $679 on 9/13/2023

Aug 2023 $16,569 $679 $679 on 8/14/2023

Jul 2023 $17,170 $679 $679 on 7/14/2023

Jun 2023 $17,769 $679 $679 on 6/14/2023

May 2023 $18,368 $679 $679 on 5/15/2023

Apr 2023 $18,955 $679 $679 on 4/17/2023

Mar 2023 $19,554 $679 $679 on 3/15/2023

Feb 2023 $20,142 $679 $679 on 2/13/2023

Jan 2023 $20,736 $679 $679 on 1/17/2023

Dec 2022 $21,315 $679 $679 on 12/14/2022

Nov 2022 $21,897 $679 $679 on 11/17/2022

Oct 2022 $22,477 $679 $679 on 10/17/2022

Sep 2022 $23,051 $679 $679 on 9/13/2022

Aug 2022 $23,626 $679 $679 on 8/15/2022

Jul 2022 $24,188 $679 $679 on 7/15/2022

Jun 2022 $24,761 $679 $679 on 6/13/2022

May 2022 $25,329 $679 $679 on 5/16/2022

Apr 2022 $25,886 $679 $679 on 4/14/2022

Mar 2022 $26,452 $679 $679 on 3/16/2022

Feb 2022 $27,007 $679 $679 on 2/18/2022

Additional info
The original amount of this account was $41,530

 Contact Info
Address PO BOX 9786,
CEDAR RAPIDS IA 52409

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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.

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AMERICAN AMERICAN CITI COMENITYCB/

HONDA HONDA CARDS/CITIBA ULTA MC
FINANCE FINANCE NK Inquired on
Inquired on Inquired on Inquired on 06/26/2023
10/17/2023 08/29/2023 08/16/2023
PO BOX 182120
PO BOX 168128 Unspecified. This PO BOX 6241 COLUMBUS OH,
IRVING TX, inquiry is SIOUX FALLS 43218
scheduled to
75016 SD, 57117
continue on record Credit card. This
until Sep 2025. inquiry is
Unspecified. This Unspecified. This
inquiry is inquiry is scheduled to
scheduled to scheduled to continue on record
continue on record continue on record until Jul 2025.
until Nov 2025. until Sep 2025.

JPMCB CARD JPMCB CARD BK OF AMER THE HOME

Inquired on Inquired on Inquired on DEPOT/CITIBA
06/26/2023 06/12/2023 05/29/2023 NK
Inquired on
PO BOX 15298 Unspecified. This PO BOX 982238 05/29/2023
WILMINGTON inquiry is EL PASO TX,
scheduled to
DE, 19850 79998 PO BOX 6497
continue on record
until Jul 2025.
SIOUX FALLS
Unspecified. This Unspecified. This
SD, 57117
inquiry is inquiry is
scheduled to scheduled to Unspecified. This
continue on record continue on record
inquiry is
until Jul 2025. until Jun 2025.
scheduled to
continue on record
until Jun 2025.

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DISCOVER COMENITYBAN JPMCB CARD JPMCB CARD

FINANCIAL K/BRYLANEHO Inquired on Inquired on
SERVI ME 11/13/2022 09/05/2022
Inquired on Inquired on
PO BOX 15298 Unspecified. This
04/24/2023 03/07/2023
WILMINGTON inquiry is
scheduled to
12 READS WAY PO BOX 182789 DE, 19850
continue on record
NEW CASTLE COLUMBUS OH, until Oct 2024.
Unspecified. This
DE, 19720 43218
inquiry is
Unspecified. This Charge Card. This scheduled to
continue on record
inquiry is inquiry is
until Dec 2024.
scheduled to scheduled to
continue on record continue on record
until May 2025. until Apr 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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AFFIRM AMERICAN AMERICAN AMERICAN

INC/CROSS EXPRESS HONDA EXPRESS
RIVER B Inquired on FINANCE CORP Inquired on
Inquired on 05/29/2023 Inquired on 02/08/2024
06/26/2023 09/13/2023
200 VESEY ST, PO BOX
30 ISABELLA NEW YORK NY 20800 981537,
ST FL 4L12, 10285 MADRONA AVE, EL PASO TX
PITTSBURGH TORRANCE CA 79998
PA 15212 90503 (602) 537-8500
(855) 423-3729 (310) 781-4100

AMEX AMEX AVEN BEST EGG

Inquired on Inquired on FINANCIAL, Inquired on
05/29/2023 05/29/2023 INC 05/29/2023
Inquired on
PO BOX 31525, 200 VESEY ST, 06/26/2023 1523 CONCORD
SALT LAKE NEW YORK NY PIKE STE 201,
CITY UT 84131 10285 330 PRIMROSE WILMINGTON
(800) 874-2717 RD STE 412, DE 19803
BURLINGAME (302) 358-2730
CA 94010
(650) 249-7435

BK OF AMER BK OF AMER CAP ONE CAPITAL ONE

Inquired on Inquired on Inquired on Inquired on
05/29/2023 03/23/2023 05/09/2023 01/11/2024

PO BOX 1000 SAMOSET PO BOX 30281, 15000 CAPITAL

982238, DR, SALT LAKE ONE DR,
EL PASO TX NEWARK DE CITY UT 84130 RICHMOND VA
79998 19713 23238
(800) 421-2110 (800) 421-2110

CAPITAL ONE CLARITY/SNAP CLARITY/SNAP CLARITY/SNAP

Inquired on FINANCE FINANCE LLC FINANCE LLC
03/15/2023 Inquired on Inquired on Inquired on
06/26/2023 06/26/2023 06/26/2023
15000 CAPITAL
ONE DR, 1141 W 2400 S, 1141 W 2400 S, 1141 W 2400 S,
RICHMOND VA SALT LAKE SALT LAKE SALT LAKE
23238 CITY UT 84119 CITY UT 84119 CITY UT 84119

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COMENITY COMENITY COMENITYBAN COMENITYCB/

BANK SERVICING LLC K/BRYLANEHO ULTA MC
Inquired on Inquired on ME Inquired on
03/07/2023 03/07/2023 Inquired on 06/26/2023
03/07/2023
PO BOX PO BOX PO BOX
182120, 182120, PO BOX 182120,
COLUMBUS OH COLUMBUS OH 182789, COLUMBUS OH
43218 43218 COLUMBUS OH 43218
43218

CREDIT KARMA CREDIT KARMA CREDIT KARMA CREDIT KARMA

Inquired on Inquired on INC INC
02/20/2024, 02/14/2024, Inquired on Inquired on
02/19/2024, 02/10/2024, 02/15/2024, 10/17/2023 an
02/17/2024, 02/07/2024, 12/03/2023, d 09/22/2023
02/16/2024, 02/03/2024, 09/18/2023 an
02/12/2024, 01/31/2024, d 05/29/2023 760 MARKET
02/09/2024, 01/27/2024, ST FL 2,
02/08/2024, 01/24/2024, 760 MARKET SAN
02/07/2024, 01/20/2024, ST FL 2, FRANCISCO CA
02/06/2024, 01/17/2024, SAN 94102
02/03/2024, 01/13/2024, FRANCISCO CA
02/01/2024, 01/10/2024, 94102
01/31/2024, 01/06/2024, (415) 510-5272
01/25/2024, 01/03/2024,
01/24/2024, 12/30/2023,
01/23/2024, 12/27/2023,
01/21/2024, 12/23/2023,
01/20/2024, 12/20/2023,
01/18/2024, 12/16/2023,
01/17/2024, 12/13/2023,
01/12/2024 an 12/09/2023,
d 01/11/2024 12/06/2023,
12/02/2023,
760 MARKET 11/29/2023,
ST FL 2, 11/25/2023,
SAN 11/22/2023,
FRANCISCO CA 11/18/2023,
94102 11/15/2023,
(415) 510-5272 11/11/2023,
11/08/2023,
11/04/2023,
11/01/2023,
10/28/2023,

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10/25/2023,
10/21/2023,
10/18/2023,
10/14/2023,
10/11/2023,
10/07/2023,
10/04/2023,
09/30/2023,
09/27/2023,
09/23/2023 an
d 09/20/2023

760 MARKET
ST FL 2,
SAN
FRANCISCO CA
94102

CREDIT ONE DISCOVER DISCOVER DISCOVER

BANK NA FINANCIAL FINANCIAL FINANCIAL
Inquired on SERVI SERVI SERVI
08/16/2023 Inquired on Inquired on Inquired on
05/29/2023 05/29/2023 an 05/29/2023 an
PO BOX 98875, d 04/24/2023 d 04/24/2023
LAS VEGAS NV 12 READS WAY,
89193 NEW CASTLE 2500 LAKE 12 READS WAY,
(877) 825-3242 DE 19720 COOK RD, NEW CASTLE
(800) 347-2683 RIVERWOODS DE 19720
IL 60015 (800) 347-2683

DISCOVER DISCOVER DISCOVER DISCOVER

FINANCIAL FINANCIAL FINANCIAL FINANCIAL
SVCS SVCS SVCS SVCS
Inquired on Inquired on Inquired on Inquired on
06/26/2023 06/26/2023 05/29/2023, 05/29/2023,
04/24/2023, 04/24/2023 an
2500 LAKE 2500 LAKE 03/08/2023 an d 03/07/2023
COOK RD, COOK RD, d 03/07/2023
RIVERWOODS RIVERWOODS 2500 LAKE
IL 60015 IL 60015 2500 LAKE COOK RD,
COOK RD, RIVERWOODS
RIVERWOODS IL 60015
IL 60015

EXPERIAN EXPERIAN EXPERIAN EXPERIAN

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Inquired on Inquired on Inquired on Inquired on

02/22/2024 an 02/19/2024, 02/18/2024, 06/10/2023 an
d 05/23/2023 02/06/2024, 02/11/2024, d 05/29/2023
01/17/2024, 02/04/2024,
475 ANTON 12/17/2023, 01/28/2024, 475 ANTON
BLVD, 11/04/2023, 01/21/2024, BLVD,
COSTA MESA 10/17/2023, 01/14/2024, COSTA MESA
CA 92626 08/30/2023, 01/07/2024, CA 92626
08/29/2023, 12/31/2023, (866) 673-0140
08/16/2023, 12/24/2023,
07/04/2023, 12/17/2023,
06/26/2023, 12/10/2023,
06/17/2023, 11/26/2023,
06/12/2023, 11/19/2023,
05/30/2023, 11/12/2023,
05/29/2023, 11/05/2023,
04/24/2023 an 10/29/2023,
d 03/07/2023 10/22/2023,
10/15/2023,
475 ANTON 10/08/2023,
BLVD, 10/01/2023,
COSTA MESA 09/24/2023,
CA 92626 09/17/2023,
09/10/2023,
09/03/2023,
08/27/2023,
08/20/2023,
08/13/2023,
08/06/2023,
07/09/2023,
07/04/2023,
07/02/2023,
06/18/2023,
06/11/2023,
06/04/2023 an
d 05/29/2023

475 ANTON
BLVD,
COSTA MESA
CA 92626
(866) 431-3471

EXPERIAN EXPERIAN EXPERIAN EXPERIAN

Inquired on Inquired on CREDITMATCH CREDITMATCH
05/29/2023 05/29/2023
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475 ANTON 475 ANTON Inquired on Inquired on

BLVD, BLVD, 02/19/2024, 07/04/2023 an
COSTA MESA COSTA MESA 02/18/2024, d 05/29/2023
CA 92626 CA 92626 02/17/2024,
02/16/2024, 475 ANTON
02/15/2024, BLVD # D4,
02/14/2024, COSTA MESA
02/13/2024, CA 92626
02/12/2024,
02/11/2024,
02/10/2024,
02/09/2024,
02/08/2024,
02/07/2024,
02/06/2024,
02/05/2024,
02/04/2024,
02/03/2024,
02/02/2024,
02/01/2024,
01/31/2024,
01/30/2024,
01/29/2024,
01/28/2024,
01/27/2024,
01/26/2024,
01/25/2024,
01/24/2024,
01/23/2024,
01/22/2024,
01/21/2024,
01/20/2024,
01/19/2024,
01/18/2024,
01/17/2024,
01/16/2024,
01/15/2024,
01/14/2024,
01/13/2024,
01/12/2024,
01/11/2024,
01/10/2024,
01/09/2024,
01/08/2024,
01/07/2024,
01/06/2024,

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01/05/2024,
01/04/2024,
01/03/2024,
01/02/2024,
01/01/2024,
12/31/2023,
12/30/2023,
12/29/2023,
12/28/2023,
12/27/2023,
12/26/2023,
12/25/2023,
12/24/2023,
12/23/2023,
12/22/2023,
12/21/2023,
12/20/2023,
12/19/2023,
12/18/2023,
12/17/2023,
12/16/2023,
12/15/2023,
12/14/2023,
12/13/2023,
12/12/2023,
12/11/2023,
12/10/2023,
12/08/2023,
12/07/2023,
12/06/2023,
12/05/2023,
12/04/2023,
12/03/2023,
12/02/2023,
12/01/2023,
11/30/2023,
11/29/2023,
11/28/2023,
11/27/2023,
11/26/2023,
11/25/2023,
11/24/2023,
11/23/2023,
11/22/2023,
11/21/2023,
11/20/2023,

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11/19/2023,
11/18/2023,
11/17/2023,
11/16/2023,
11/15/2023,
11/14/2023,
11/13/2023 an
d 11/12/2023

475 ANTON
BLVD # D4,
COSTA MESA
CA 92626
FNB OMAHA I2C/GBANK JPMCB JPMCB CARD
Inquired on Inquired on Inquired on Inquired on
08/28/2023, 06/02/2023 02/01/2024, 12/16/2023
05/10/2023 an 01/01/2024,
d 04/19/2023 9115 W 12/01/2023, PO BOX 15298,
RUSSELL RD 11/01/2023, WILMINGTON
1620 DODGE STE 110, 10/01/2023, DE 19850
ST, LAS VEGAS NV 09/01/2023, (800) 432-3117
OMAHA NE 89148 08/01/2023,
68102 07/01/2023,
(402) 342-2265 06/01/2023,
05/01/2023,
04/01/2023 an
d 03/01/2023

PO BOX 15298,
WILMINGTON
DE 19850
(800) 432-3117

JPMCB CARD JPMCB CARD JPMCB CJ LENDINGCLUB

Inquired on Inquired on Inquired on CORP
12/04/2023 06/26/2023 an 02/20/2024, Inquired on
d 06/12/2023 02/11/2024, 10/20/2023,
PO BOX 15298, 02/07/2024, 08/30/2023,
WILMINGTON PO BOX 15298, 01/21/2024, 08/05/2023,
DE 19850 WILMINGTON 12/24/2023, 07/04/2023 an
(800) 432-3117 DE 19850 12/18/2023, d 05/29/2023
(800) 432-3117 11/29/2023,
11/05/2023, 595 MARKET
10/17/2023, ST # 200,
10/01/2023, SAN
09/14/2023,

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08/31/2023, FRANCISCO CA
08/29/2023, 94105
08/16/2023,
06/27/2023,
06/26/2023,
06/12/2023,
05/31/2023,
05/29/2023,
05/04/2023,
04/24/2023,
04/05/2023,
03/25/2023 an
d 03/07/2023

PO BOX 15298,
WILMINGTON
DE 19850
(888) 401-0550

LEXISNEXIS/IN LN/ALLSTATE MICHIGAN ONEMAIN

S/STATE FARM INSURANCE CO STATE Inquired on
Inquired on Inquired on UNIVERSIT 05/29/2023
09/22/2023 10/13/2023 Inquired on
06/23/2023 PO BOX 1010,
1000 2775 SANDERS EVANSVILLE IN
ALDERMAN DR, RD, 3777 WEST RD, 47706
ALPHARETTA NORTHBROOK EAST LANSING (844) 298-9773
GA 30005 IL 60062 MI 48823
(800) 456-6004

On behalf of
STATE FARM
INSURANCE COM
for Insurance
underwriting

QSSI/CMS SOFI BANK NA SOFI BANK NA SOFI BANK NA

Inquired on Inquired on Inquired on Inquired on
12/04/2023 02/09/2024, 06/26/2023 05/29/2023
01/31/2024,
7500 SECURITY 10/18/2023, 234 1ST ST, 2750 E
BLVD, 05/17/2023 an SAN COTTONWOOD
BALTIMORE MD d 04/11/2023 FRANCISCO CA PKWY,
21244 94105 COTTONWOOD
(877) 267-2323 2750 E (415) 385-0419 HEIGHTS UT
COTTONWOOD 84121
PKWY, (855) 456-7634

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COTTONWOOD
HEIGHTS UT
84121
(855) 456-7634

SYNCHRONY TD AUTO TOYOTA VERIZON

FINANCIAL FINANCE MOTOR CREDIT WIRELESS
Inquired on Inquired on CORP Inquired on
01/24/2024 02/15/2024 Inquired on 06/26/2023
01/03/2024
4125 WINDARD 27777 INKSTER PO BOX
PLAZA, RD, PO BOX 9786, 650051,
ALPHARETTA FARMINGTON CEDAR RAPIDS DALLAS TX
GA 30005 HILLS MI 48334 IA 52409 75265
(800) 200-1513 (800) 279-9032

VERIZON WELLS FARGO WF CRD SVC

WIRELESS BANK Inquired on
Inquired on Inquired on 08/16/2023
06/26/2023 08/16/2023
PO BOX 14579,
PO BOX PO BOX 14579, DES MOINES IA
650051, DES MOINES IA 50306
DALLAS TX 50306 (800) 967-9521
75265 (800) 967-9521

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 .

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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

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.

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

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

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

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

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

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

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

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

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

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

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

Consumers Have The Right To Obtain A Security Freeze

You have a right to place a 'security freeze' on your credit report, which will prohibit a consumer
reporting agency from releasing information in your credit report without your express authorization.
The security freeze is designed to prevent credit, loans, and services from being approved in your
name without your consent. However, you should be aware that using a security freeze to take control
over who gets access to the personal and financial information in your credit report may delay,

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interfere with, or prohibit the timely approval of any subsequent request or application you make
regarding a new loan, credit, mortgage, or any other account involving the extension of credit.

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

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

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

FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:

1.a. Banks, savings associations, and credit 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
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d. Federal Credit Unions National Center for Consumer

and Depositor Assistance
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

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

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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

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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