Your personal credit report by mmcsx

VIEWS: 45 PAGES: 18

									Your personal                                                                                                                                                                Prepared for: JOHN Q CONSUMER
                                                                                                                                                                             Date: December 20, 2010
                                                                                                                                                                             Report number: 1562-3035-64
                                                                                                                                                                                                                                                                  Page 1 of 18




credit report

                                                                                                                                                                   In response to your recent request, we’re pleased to send you
                                                                                                                                                                   this credit report. Your credit information can change over time,
                                                                                                                                                                   so we recommend you keep track of any changes by signing up
                                                                                                                                                                   for credit monitoring service at experian.com/monitor.




                                                                                                                                                                                                                           Contents
                                                                                                                                                                                                                           2   About the information in this report
                                                                                                                                                                                                                           2   Tools to manage your personal credit
                                                                                                                                                                                                                           2   Disputing information in this report
                                                                                                                                                                                                                           3   Your accounts that may be considered negative
                         -C05-P00000-I




                                                                                               ADDTFADTTFTDTFDTDDDFTTDTFFDFFDTADFDAFTTTDTTFTTDADAFADAFFFFDTTDAFT




                                                                                                                                                                                                                           9   Your accounts in good standing
                                                                                                                                                                                                                           14 Record of requests for your credit history
                                                                                                                                                                                                                           15 Your personal information
                         02 SP 1.050 **SNGLP 1 1 2424 01095-116499




                                                                                                                                                                                                                           17 Dispute form
                                                                                                                                                                                                                           18 Notification of Rights
                                                                     WILBRAHAM MA 01095-1164
                                                                     2205 BOSTON RD APTL112




                                                                                                                                                                                                                                                                                 2424-05-00-0000002-0001-0000009
                                                                     JOHN Q CONSUMER




                                                                                                                                                                                                                         For your attention
                                                                                                                                                                                                                         Visit experian.com/view to view this credit report
                         0000002




                                                                                                                                                                                                                         instantly online. You may also dispute information
  11001000000000010101
  10101010101010101010
  10100001001010110011
  10001001010111111000
  10001110110001110111
  10000010101010110110
  10001011011101001011
  10011111001011011100
  11110111001000100001
  10110010100000000010
  11100010100111101001
  10010101000101000110
  10011101011100100111
  11110010010010101100
  11011011000010111001
  11111111100001100010
  11011111111001111101
  11011110110010111000
  11111111111111111111
  10001010000001111010




                                                                                                                                                                                                                         directly and easily within the online report.
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                                                                                                                                               Page 2 of 18

n About the information in this report                                          n Medical Information
Here’s an explanation of the key information about you and your credit          By law, we cannot disclose certain medical information (relating to physical,
history that’s included in this report:                                         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.,
Your credit items that may be considered negative
                                                                                “Cancer Center”) that reports your payment history to us. If so, those names
The most common items in this section are late payments, accounts that
                                                                                display in your report, but in reports to others they display only as “Medical
have been charged off or sent to collection, bankruptcies, liens, and
                                                                                Information Provider”. Consumer statements included on your report at your
judgments. It also may contain items that are not necessarily negative, but
                                                                                request that contain medical information are disclosed to others.
that a potential creditor might want to review more closely, such as an
account that has been settled or transferred. The key word is “potentially.”    n Tools to manage your personal credit
Experian doesn’t make judgments about the information in your credit report.    What’s your credit score?
The list is provided as a service to direct your attention to what Experian     Find out by ordering your VantageScore® from Experian for only $7.95. To
thinks lenders are likely to consider negative when reviewing your credit       order your VantageScore, call 1 888 322 5583.
history. For example, if you have missed payments in the past, they would
likely be viewed negatively.                                                    Credit Monitoring
                                                                                Monitor and protect your credit with Experian’s credit management tools.
Your accounts in good standing
                                                                                Visit experian.com/monitor to find out more.
Items display in this section when your creditor reports that you have
satisfactorily met the terms of your agreements with them. Some creditors       n Disputing information in this report
may not report consumer credit information to us, so all of your accounts       Before contacting us, please review this report carefully. If you disagree with
may not be listed. This section also includes up to two years of your monthly   any of your personal or credit information, you may dispute it. Because your
balances on an account if reported by your creditor.                            report is updated often, contact us within 90 days of the date of this report.
Companies that have requested your credit history                               We will contact the source of the information and ask them to check their
We list anyone that has requested your credit information in the last two       records.
years, including companies that have requested your credit report as a result   The fastest and easiest way to dispute information is to visit us at:
of an action you took, such as applying for credit. We also include requests    www.experian.com/disputes
about you from those with a permissible purpose, such as a potential
employer, investor or pre-approved credit grantor.                              You can also complete the dispute form at the end of this report and mail it
                                                                                to us at:
Your personal information
This information is reported to us by you, your creditors and other sources,    Experian
and includes your name, variations of your name reported to us, addresses,      NCAC
Social Security number (and variations reported to us), date of birth,          PO BOX 9701
telephone numbers and employers.                                                Allen TX 75013
                                                                                Or you can call us at:




                                                                                                                                                                   2424-05-00-0000002-0001-0000009
                                                                                800 509 8495, Dispute services are available 24 hours a day.




                                                                 0003196447
                                                                                        000000001
                                                                Prepared for: JOHN Q CONSUMER                                                                    Page 3 of 18
                                                                Date: December 20, 2010
                                                                Report number: 1562-3035-64


Your accounts that may be considered negative                                                     Payment history legend
The most common items in this section are late payments, accounts that have been charged
                                                                                                  OK      Current/Terms of agreement met    VS    Voluntarily surrendered
off or sent to collection, bankruptcies, liens, and judgments. It also may contain items that
are not necessarily negative, but that a potential creditor might want to review more closely,     30     Account 30 days past due           R    Repossession
such as an account that has been settled or transferred. This information is generally             60     Account 60 days past due          PBC Paid by creditor
removed seven years from the initial missed payment that led to the delinquency. Missed            90     Account 90 days past due           IC   Insurance claim
payments and most public record items may remain on the credit report for up to seven             120     Account 120 days past due          G    Claim filed with government
years, except Chapters 7, 11 and 12 bankruptcies and unpaid tax liens, which may remain           150     Account 150 days past due          D    Defaulted on contract
for up to 10 years. A paid tax lien may remain for up to seven years. Transferred accounts        180     Account 180 days past due          C    Collection
that have not been past due remain up to 10 years after the date the account was                  CRD Creditor received deed                CO    Charge off
transferred.                                                                                      FS      Foreclosure proceedings started   CLS Closed
                                                                                                   F      Foreclosed                        ND    No data for this time period

n Public Records
 US BKPT CT WA SPOKANE                 Identification number   Date filed      Claim amount             Status
 PO BOX 2164                           200108661               Jul 2004        $0                       Chapter 13 bankruptcy petition. This item is scheduled to continue
 SPOKANE WA 99210                      Responsibility          Date resolved   Liability amount         on record until Jul 2011.
 No phone number available             Joint                   Not reported    $0
 Address identification number
 0000538907

 US BKPT CT WA SPOKANE                 Identification number   Date filed      Claim amount             Status
 PO BOX 2164                           0108661PCW              Oct 2004        $0                       Chapter 13 bankruptcy petition. This item is scheduled to continue
 SPOKANE WA 99210                      Responsibility          Date resolved   Liability amount         on record until Oct 2011.
 No phone number available             Joint                   Not reported    $0
 Address identification number
 0000538907

 US BKPT CT WA SPOKANE                 Identification number   Date filed      Claim amount             Status
 PO BOX 2164                           0108661PCW              Jul 2004        $0                       Chapter 13 bankruptcy petition. This item is scheduled to continue
 SPOKANE WA 99210                      Responsibility          Date resolved   Liability amount         on record until Jul 2011.
 No phone number available             Joint                   Not reported    $0




                                                                                                                                                                                 2424-05-00-0000002-0002-0000010
 Address identification number
 0000538907




                                                                 0003196447
                                                             Prepared for: JOHN Q CONSUMER                                                     Page 4 of 18
                                                             Date: December 20, 2010
                                                             Report number: 1562-3035-64


Your accounts that may be considered negative (continued)
 STEVENS CNTY DIST CT               Identification number   Date filed      Claim amount       Status
 215 S OAK ST                       Y03708314               Jul 2006        $957               Civil claim judgment.
 COLVILLE WA 99114                  Responsibility          Date resolved   Liability amount   Plaintiff
 No phone number available          Joint                   Not reported    Not reported       ASSOCIATED CREDIT SRVS. This item is scheduled to continue on
 Address identification number                                                                 record until Jul 2013.
 0000538907                                                                                    This item was verified on May 2010 and remained unchanged.

 WICOMICO CO DISTRICT CT            Identification number   Date filed      Claim amount       Status
 COURT HOUSE                        020005904               Nov 2005        $1,561             Civil claim paid.
 SALISBURY MD 21801                 Responsibility          Date resolved   Liability amount   Plaintiff
 No phone number available          Individual              Jul 2006        Not reported       PENINSULA REGIONAL MEDICAL. This item is scheduled to
 Address identification number                                                                 continue on record until Nov 2012.
 0000538907

 WICOMICO CO DISTRICT CT            Identification number   Date filed      Claim amount       Status
 COURT HOUSE                        590402                  Nov 2005        $1,516             Civil claim judgment.
 SALISBURY MD 21801                 Responsibility          Date resolved   Liability amount   Plaintiff
 No phone number available          Not reported            Not reported    Not reported       PENINSULA REGIONAL MEDICAL CENTE. This item is scheduled
 Address identification number                                                                 to continue on record until Nov 2012.
 0000538907

 ANNE ARUNDEL CO CIR                Identification number   Date filed      Claim amount       Status
 PO BOX 71                          178011700               Nov 2004        $1,809             State tax lien filed.
 ANNAPOLIS MD 21404                 Responsibility          Date resolved   Liability amount   This item was verified on May 2010 and remained unchanged.
 No phone number available          Not reported            Not reported    Not reported
 Address identification number
 0000538907

 ANNE ARUNDEL CO CIR                Identification number   Date filed      Claim amount       Status
 PO BOX 71                          205018900               Nov 2005        $1,237             State tax lien filed.
 ANNAPOLIS MD 21404                 Responsibility          Date resolved   Liability amount   This item was verified on May 2010 and remained unchanged.
 No phone number available          Not reported            Not reported    Not reported




                                                                                                                                                               2424-05-00-0000002-0002-0000010
 Address identification number
 0000538907

 MARION COUNTY CLERK                Identification number   Date filed      Claim amount       Status
 200 E WASHINGTON ST                SQ03221067              Oct 2001        $1,691             State tax lien paid,released.
 INDIANAPOLIS IN 46204              Responsibility          Date resolved   Liability amount
 No phone number available          Joint                   Feb 2003        Not reported
 Address identification number
 0000375966


                                                              0003196447
                                                                                           000000002
                                                             Prepared for: JOHN Q CONSUMER                                                     Page 5 of 18
                                                             Date: December 20, 2010
                                                             Report number: 1562-3035-64


Your accounts that may be considered negative (continued)
 MARION COUNTY CLERK                Identification number   Date filed      Claim amount       Status
 200 E WASHINGTON ST                SQ03244774              Dec 2001        $83                State tax lien paid,released.
 INDIANAPOLIS IN 46204              Responsibility          Date resolved   Liability amount
 No phone number available          Joint                   Aug 2003        Not reported
 Address identification number
 0000375966

 MARION COUNTY CLERK                Identification number   Date filed      Claim amount       Status
 200 E WASHINGTON ST                SQ03310519              Jun 2002        $1,700             State tax lien paid,released.
 INDIANAPOLIS IN 46204              Responsibility          Date resolved   Liability amount
 No phone number available          Joint                   Feb 2003        Not reported
 Address identification number
 0000375966

 MARION COUNTY CLERK                Identification number   Date filed      Claim amount       Status
 200 E WASHINGTON ST                SQ03346353              Dec 2002        $119               State tax lien paid,released.
 INDIANAPOLIS IN 46204              Responsibility          Date resolved   Liability amount
 No phone number available          Joint                   Aug 2003        Not reported
 Address identification number
 0000375966

 WICOMICO CO CIRCUIT CT             Identification number   Date filed      Claim amount       Status
 COURTHOUSE                         5016000301              Jul 2004        $1,161             State tax lien filed.
 SALISBURY MD 21801                 Responsibility          Date resolved   Liability amount   This item was verified on May 2010 and remained unchanged.
 No phone number available          Not reported            Not reported    Not reported
 Address identification number
 0000538907

 WICOMICO CO CIRCUIT CT             Identification number   Date filed      Claim amount       Status
 COURTHOUSE                         153001                  Aug 2004        $1,434             State tax lien filed.
 SALISBURY MD 21801                 Responsibility          Date resolved   Liability amount
 No phone number available          Not reported            Not reported    Not reported
 Address identification number




                                                                                                                                                              2424-05-00-0000002-0003-0000011
 0000538907




                                                              0003196447
                                                             Prepared for: JOHN Q CONSUMER                                                             Page 6 of 18
                                                             Date: December 20, 2010
                                                             Report number: 1562-3035-64


Your accounts that may be considered negative (continued)

n Credit items
 VALLEY BANK DISCLOSURE NAME        Date opened      Type           Credit limit or   Recent balance       Responsibility
 PO BOX 1991                        May 2005         Collection     original amount   $71 as of May        Joint with
 KNOXVILLE TN 37901                 First reported   Terms          $50               2005                 BECKY JOVELL
 No phone number available          May 2005         1 Months       High balance                           BECKY JOVELL
 Partial account number             Date of status   Monthly        Not reported                           Status
 WAF03....                          May 2005         payment                                               Collection account. $71 past due as of May 2005.
 Address identification number                       Not reported                                          This account is scheduled to continue on record until Nov
 0000538907                                                                                                2011.
 Original creditor WHITTEN OIL                                                                             This item was verified on May 2010 and remained
 #1-COLVILLE                                                                                               unchanged.
 Payment history
 2005
 MAY
  C

 AUTOMATED ACCOUNTS INC             Date opened      Type           Credit limit or   Recent balance       Responsibility
 430 W SHARP AVE                    Apr 2008         Collection     original amount   $93 as of Jun 2008   Individual
 SPOKANE WA 99201                   First reported   Terms          $93                                    Status
 No phone number available          Jun 2008         1 Months       High balance                           Collection account. $93 past due as of Jun 2008.
 Partial account number             Date of status   Monthly        Not reported                           This account is scheduled to continue on record until Aug
 12070460000302885                  Jun 2008         payment                                               2014.
 Address identification number                       Not reported
 0000538907
 Original creditor SUNSHINE
 DISPOSAL INC
 Payment history
 2008
 JUN
  C




                                                                                                                                                                       2424-05-00-0000002-0003-0000011
                                                               0003196447
                                                                                             000000003
                                                             Prepared for: JOHN Q CONSUMER                                                             Page 7 of 18
                                                             Date: December 20, 2010
                                                             Report number: 1562-3035-64


Your accounts that may be considered negative (continued)
 CHECK RECOVERY SYSTEMS             Date opened      Type           Credit limit or   Recent balance       Responsibility
 6700 S. CENTINELA BLVD 3RD FL      May 2007         Collection     original amount   $138 as of Jun       Individual
 CULVER CITY CA 90230               First reported   Terms          $108              2008                 Status
 No phone number available          Jul 2007         1 Months       High balance                           Collection account. $138 past due as of Jun 2008.
 Partial account number             Date of status   Monthly        Not reported                           This account is scheduled to continue on record until Aug
 1816083104383843                   Jul 2007         payment                                               2013.
 Address identification number                       Not reported                                          Comment
 0000538907                                                                                                FCBA dispute resolved - consumer disagrees.
 Original creditor SAFEWAY                                                                                 This item was verified on May 2010 and remained
                                                                                                           unchanged.
 Payment history
 2008
 JUN FEB OCT JUL
  C   C   C   C

 DISCOVER FIN SVCS LLC              Date opened      Type           Credit limit or   Recent balance       Responsibility
 PO BOX 15316                       Jan 2003         Revolving      original amount   Not reported as of   Individual
 WILMINGTON DE 19850                First reported   Terms          $1,500            Apr 2008             Status
 Phone number                       Nov 2004         Not reported   High balance                           Petition for Chapter 13 Bankruptcy.
 (800) 347-2683                     Date of status   Monthly        $2,049                                 This account is scheduled to continue on record until Aug
 Partial account number             Nov 2004         payment                                               2011.
 601100969063....                                    Not reported                                          This item was verified on May 2010 and remained
 Address identification number                                                                             unchanged.
 0000538907                                                                                                Account History
                                                                                                           Filed Chapter 13 Bankruptcy on Nov 13, 2004

 FIGIS INC                          Date opened      Type           Credit limit or   Recent balance       Responsibility
 3200 S MAPLE AVE                   Oct 2007         Installment    original amount   $161 as of May       Individual
 MARSHFIELD WI 54449                First reported   Terms          $161              2008                 Status
 No phone number available          May 2008         1 Months       High balance                           Collection account. $161 past due as of May 2008.
 Partial account number             Date of status   Monthly        Not reported                           This account is scheduled to continue on record until Oct
 16686....                          May 2008         payment                                               2014.




                                                                                                                                                                       2424-05-00-0000002-0004-0000012
 Address identification number                       Not reported                                          This item was verified on May 2010 and remained
 0000538907                                                                                                unchanged.
 Payment history
 2008
 MAY
  C




                                                               0003196447
                                                                 Prepared for: JOHN Q CONSUMER                                                           Page 8 of 18
                                                                 Date: December 20, 2010
                                                                 Report number: 1562-3035-64


Your accounts that may be considered negative (continued)
 FINGERHUT CREDIT ADVANTA              Date opened      Type           Credit limit or   Recent balance      Responsibility
 16 MCLELAND RD                        Oct 2002         Revolving      original amount   $0 as of Oct 2004   Individual
 SAINT CLOUD MN 56303                  First reported   Terms          $518                                  Status
 No phone number available             Jan 2004         Not reported   High balance                          Discharged through Bankruptcy Chapter 13.
 Partial account number                Date of status   Monthly        $501                                  This account is scheduled to continue on record until Sep
 8050051369566....                     Nov 2004         payment                                              2011.
 Address identification number                          Not reported                                         Account History
 0000538907                                                                                                  Debt included in Chapter 13 Bankruptcy on Nov 07, 2004
 Payment history
 2004
 OCT SEP AUG JUL JUN APR MAR FEB JAN
  60 30 OK OK OK OK 60 60 OK

 WFNNB/CLARK                           Date opened      Type           Credit limit or   Recent balance      Responsibility
 4590 E BROAD ST                       Apr 2002         Revolving      original amount   $0 as of Sep 2008   Joint
 COLUMBUS OH 43213                     First reported   Terms          $210              Recent payment      Status
 No phone number available             Jul 2003         Not reported   High balance      $7                  Open.
 Partial account number                Date of status   Monthly        $411                                  As of Nov 2013, this account is scheduled to go to a positive
 707654030021....                      Mar 2007         payment                                              status.
 Address identification number                          $6                                                   This item was verified on May 2010 and remained
 0000375966                                                                                                  unchanged.
 Payment history
 2008                                2007                                            2006                                            2005
 SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR
  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
             2004                                            2003
 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL
 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK




                                                                                                                                                                             2424-05-00-0000002-0004-0000012
                                                                  0003196447
                                                                                                 000000004
                                                                                       Prepared for: JOHN Q CONSUMER                                                                                       Page 9 of 18
                                                                                       Date: December 20, 2010
                                                                                       Report number: 1562-3035-64


Your accounts in good standing
These items may stay on your credit report for as long as they are open. Once an account is
closed or paid off it may continue to appear on your report for up to ten years.

n Credit items
 DOUBLE ELEVAN CREDIT UNI                           Date opened            Type               Credit limit or          Recent balance             Responsibility
 445 S POST RD                                      Aug 2006               Installment        original amount          $9,650 as of Nov           Individual
 INDIANAPOLIS IN 46219                              First reported         Terms              $11,000                  2008                       Status
 No phone number available                          Aug 2006               120 Months         High balance                                        Open/Never late.
 Partial account number                             Date of status         Monthly            Not reported                                        This item was verified and updated on Jul 2010.
 9382....                                           Nov 2008               payment
 Address identification number                                             $148
 0000375966
 Payment history
 2008                                        2007                                            2006
 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
 Account history - If your creditor reported your account balances to us, we list them in this section as additional information about your account. Your balance history may also include your credit limit and high balance or
 the original loan amount for an installment loan. This section also includes the scheduled payment amounts, amounts actually paid and the dates those payments were made. ND: No Data.
                                            AB = Account balance ($)        DPR = Date payment received               SPA = Scheduled payment amount ($)           AAP = Actual amount paid ($)
           Oct08 Sep08
   AB      9,723   9,793
  DPR      -       -
  SPA      0       0
  AAP      0       0
  The original amount of this account was $11,000

 FASHION BUG/SOANB                                  Date opened            Type               Credit limit or          Recent balance             Responsibility
 1103 ALLEN DR                                      Aug 1997               Revolving          original amount          $0 /paid as of Jan         Individual
 MILFORD OH 45150                                   First reported         Terms              $300                     2005                       Status
 Phone number                                       Aug 1997               Not reported       High balance                                        Inactive/Never late.
 (706) 644-2194                                     Date of status         Monthly            Not reported                                        This account is scheduled to continue on record until Jan
 Partial account number                             Jan 2005               payment                                                                2015.
 600466008420....




                                                                                                                                                                                                                                   2424-05-00-0000002-0005-0000013
                                                                           Not reported
 Address identification number
 0000538907




                                                                                         0003196447
                                                                 Prepared for: JOHN Q CONSUMER                                                          Page 10 of 18
                                                                 Date: December 20, 2010
                                                                 Report number: 1562-3035-64


Your accounts in good standing (continued)
 Payment history
 2005 2004                                           2003                                            2002                                            2001
 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
                             2000                                            1999                                            1998
 JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB
 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

 FORD CRED                             Date opened      Type           Credit limit or   Recent balance      Responsibility
 PO BOX 152271                         Jul 2003         Installment    original amount   Not reported        Individual
 IRVING TX 75015                       First reported   Terms          $15,722                               Status
 Phone number                          Aug 2003         60 Months      High balance                          Paid,Closed/Never late.
 (800) 727-7000                        Date of status   Monthly        Not reported                          This account is scheduled to continue on record until Aug
 Partial account number                Aug 2008         payment                                              2018.
 2566....                                               Not reported
 Address identification number
 0000375966
 Payment history
 2008                            2007                                            2006                                            2005
 AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
         2004                                            2003
 FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

 GEMB/HH GREGG                         Date opened      Type           Credit limit or   Recent balance      Responsibility
 PO BOX 981439                         Jun 2008         Revolving      original amount   $1,525 as of Nov    Joint
 EL PASO TX 79998                      First reported   Terms          $3,000            2008                Status
 Phone number                          Jun 2008         Not reported   High balance      Recent payment      Open/Never late.
 (866) 396-8254                        Date of status   Monthly        $1,990            $100
 Partial account number                Nov 2008         payment
 601917021017....                                       $45
 Address identification number




                                                                                                                                                                           2424-05-00-0000002-0005-0000013
 0000375966
 Payment history
 2008
 NOV OCT SEP AUG JUL JUN
  OK OK OK OK OK OK




                                                                  0003196447
                                                                                                000000005
                                                                                       Prepared for: JOHN Q CONSUMER                                                                                      Page 11 of 18
                                                                                       Date: December 20, 2010
                                                                                       Report number: 1562-3035-64


Your accounts in good standing (continued)
 Account history - If your creditor reported your account balances to us, we list them in this section as additional information about your account. Your balance history may also include your credit limit and high balance or
 the original loan amount for an installment loan. This section also includes the scheduled payment amounts, amounts actually paid and the dates those payments were made. ND: No Data.
                                        AB = Account balance ($)          DPR = Date payment received                 SPA = Scheduled payment amount ($)           AAP = Actual amount paid ($)
        Oct08 Sep08
  AB    1,625   1,825
 DPR    -       -
 SPA    0       0
 AAP    0       0
 Between Sep 2008 and Oct 2008, your credit limit/high balance was $3,000

 MILITARY STAR                                      Date opened            Type               Credit limit or          Recent balance             Responsibility
 3911 S WALTON WALKER BLVD                          Feb 1997               Revolving          original amount          Not reported               Individual
 DALLAS TX 75236                                    First reported         Terms              $5,343                                              Status
 No phone number available                          Sep 2006               Not reported       High balance                                        Transferred,closed/Never late.
 Partial account number                             Date of status         Monthly            Not reported                                        This account is scheduled to continue on record until Nov
 601945300005....                                   Nov 2006               payment                                                                2016.
 Address identification number                                             Not reported
 0000538907
 Payment history
 2006
 NOV OCT SEP
  ND OK OK

 NATIONAL CITY MORTGAGE                             Date opened            Type               Credit limit or          Recent balance             Responsibility
 6 N MAIN ST                                        Jun 2004               Mortgage           original amount          Not reported               Joint
 DAYTON OH 45402                                    First reported         Terms              $116,459                                            Status
 No phone number available                          Jul 2004               30 Years           High balance                                        Paid,Closed/Never late.
 Partial account number                             Date of status         Monthly            Not reported                                        This account is scheduled to continue on record until Oct
 433058....                                         Oct 2008               payment                                                                2018.
 Address identification number                                             Not reported
 0000375966
 Payment history
 2008                                    2007                                            2006                                            2005
 OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY




                                                                                                                                                                                                                                   2424-05-00-0000002-0006-0000014
  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
                 2004
 APR MAR FEB JAN DEC NOV OCT SEP AUG JUL
 OK OK OK OK OK OK OK OK OK OK




                                                                                         0003196447
                                                                                       Prepared for: JOHN Q CONSUMER                                                                                      Page 12 of 18
                                                                                       Date: December 20, 2010
                                                                                       Report number: 1562-3035-64


Your accounts in good standing (continued)
 Account history - If your creditor reported your account balances to us, we list them in this section as additional information about your account. Your balance history may also include your credit limit and high balance or
 the original loan amount for an installment loan. This section also includes the scheduled payment amounts, amounts actually paid and the dates those payments were made. ND: No Data.
                                           AB = Account balance ($)         DPR = Date payment received               SPA = Scheduled payment amount ($)           AAP = Actual amount paid ($)
          Sep08
  AB      108,444
 DPR      -
 SPA      0
 AAP      0
 The original amount of this account was $116,459

 NATIONAL CITY MORTGAGE                             Date opened            Type               Credit limit or          Recent balance     Responsibility
 6 N MAIN ST                                        Sep 2008               Mortgage           original amount          $118,755 as of Nov Joint
 DAYTON OH 45402                                    First reported         Terms              $118,755                 2008               Status
 No phone number available                          Nov 2008               30 Years           High balance                                Open/Never late.
 Partial account number                             Date of status         Monthly            Not reported
 433452....                                         Nov 2008               payment
 Address identification number                                             $995
 0000375966
 Payment history
 2008
 NOV
  OK

 SPEEDWAY/SUPERAMERICA                              Date opened            Type               Credit limit or          Recent balance             Responsibility
 PO BOX 1590                                        Jun 2006               Revolving          original amount          $257 as of Oct             Joint
 SPRINGFIELD OH 45501                               First reported         Terms              $400                     2008                       Status
 Phone number                                       Jun 2006               Not reported       High balance             Recent payment             Open/Never late.
 (800) 537-9580                                     Date of status         Monthly            $390                     $170
 Partial account number                             Oct 2008               payment
 100093....                                                                $51
 Address identification number
 0000375966
 Payment history




                                                                                                                                                                                                                                   2424-05-00-0000002-0006-0000014
 2008                                    2007                                            2006
 OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN
  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
 Account history - If your creditor reported your account balances to us, we list them in this section as additional information about your account. Your balance history may also include your credit limit and high balance or
 the original loan amount for an installment loan. This section also includes the scheduled payment amounts, amounts actually paid and the dates those payments were made. ND: No Data.
                                           AB = Account balance ($)         DPR = Date payment received               SPA = Scheduled payment amount ($)           AAP = Actual amount paid ($)
         Sep08
   AB    281
  DPR    -


                                                                                         0003196447
                                                                                                                                  000000006
                                                                                       Prepared for: JOHN Q CONSUMER                                                                                      Page 13 of 18
                                                                                       Date: December 20, 2010
                                                                                       Report number: 1562-3035-64


Your accounts in good standing (continued)
 SPA     0
 AAP     0
 As of Sep 2008 your credit limit/high balance was $400

 TEACHERS CREDIT UNION                              Date opened            Type               Credit limit or          Recent balance             Responsibility
 110 S MAIN ST                                      Oct 2005               Installment        original amount          $4,661 as of Oct           Individual
 SOUTH BEND IN 46601                                First reported         Terms              $10,340                  2008                       Status
 No phone number available                          Oct 2005               60 Months          High balance                                        Open/Never late.
 Partial account number                             Date of status         Monthly            Not reported
 451476....                                         Oct 2008               payment
 Address identification number                                             Not reported
 0000375966
 Payment history
 2008                                    2007                                    2006                                        2005
 OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUN MAY APR MAR JAN DEC NOV OCT SEP AUG JUL JUN MAY MAR FEB JAN DEC NOV OCT
  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
 Account history - If your creditor reported your account balances to us, we list them in this section as additional information about your account. Your balance history may also include your credit limit and high balance or
 the original loan amount for an installment loan. This section also includes the scheduled payment amounts, amounts actually paid and the dates those payments were made. ND: No Data.
                                           AB = Account balance ($)         DPR = Date payment received               SPA = Scheduled payment amount ($)           AAP = Actual amount paid ($)
          Sep08
  AB      4,837
 DPR      -
 SPA      0
 AAP      0
 The original amount of this account was $10,340




                                                                                                                                                                                                                                   2424-05-00-0000002-0007-0000015
                                                                                         0003196447
                                                                         Prepared for: JOHN Q CONSUMER                                                           Page 14 of 18
                                                                         Date: December 20, 2010
                                                                         Report number: 1562-3035-64


Record of requests for your credit history                                                   • Experian Consumer Assistance to process a report for you;
We make your credit history available to your current and prospective creditors and          • your current creditors to monitor your accounts (date listed may reflect only the most
employers as allowed by law. Experian may list these inquiries for up to two years so          recent request).
that you will have a record of the companies that requested your credit information.
                                                                                             These inquiries DO NOT affect your credit score.
Inquiries shared with others
The section below lists all of the companies that have requested your credit information     EXPERIAN PO BOX 2002 ALLEN TX 75013
as a result of an action you took, such as applying for credit or financing or as a result   No phone number available
of a collection. The inquiries in this section are shared with companies that view your      Date of inquiry: Aug 30, 2010; Jul 30, 2010; Jun 17, 2010; May 19, 2010; Mar 17,
credit history.                                                                              2010
Examples of inquiries shared with others include:                                            EXPERIAN
• a real estate loan                                                                         No phone number available
• a home mortgage loan                                                                       Date of inquiry: Mar 17, 2010
• an auto loan                                                                               INTERTHINX 30005 LADYFACE CT AGOURA HILLS CA 91301
• an application for credit                                                                  No phone number available
                                                                                             On behalf of NATIONAL CITY MORTGAGE - for Permissible purpose review
CBCINNOVIS                                   Date                                            Date of inquiry: Sep 24, 2008; Sep 23, 2008
PO BOX 1838                                  Sep 18, 2008
COLUMBUS OH 43216                            Reason                                          INTERTHINX
No phone number available                    Conventional mortgage on behalf of 288          No phone number available
Address identification number:               USA FINANCIAL. This inquiry is scheduled        On behalf of NATIONAL CITY MORTGAGE - for Permissible purpose review
Not available                                to continue on record until Oct 2010.           Date of inquiry: Sep 23, 2008
FIRST AMERICAN CREDCO                        Date                                            CITI PO BOX 6142 SIOUX FALLS SD 57117
1500 NW BETHANY BLVD STE 370                 Jun 19, 2007                                    No phone number available
BEAVERTON OR 97006                           Reason                                          Date of inquiry: Sep 03, 2008; Aug 03, 2008
No phone number available                    Real estate loan on behalf of GMAC MTG -        CITI/THD PO BOX 6497 SIOUX FALLS SD 57117
Address identification number:               221 INDIANAPO. This inquiry is scheduled        No phone number available
Not available                                to continue on record until Jul 2009.           Date of inquiry: Sep 03, 2008; Jun 03, 2008; Nov 30, 2007; Oct 06, 2007
Inquiries shared only with you                                                               BETTER LIVING PRODUCTS 6033 W CENTURY BLVD                  LOS ANGELES CA 90045
You may not have initiated the following inquiries, so you may not recognize each            No phone number available
source. We report these requests to you only as a record of activities, and we do not        Date of inquiry: Aug 21, 2008




                                                                                                                                                                                        2424-05-00-0000002-0007-0000015
include any of these requests on credit reports to others.                                   FORD MOTOR CREDIT CO PO BOX 542000               OMAHA NE 68154
We offer credit information about you to those with a permissible purpose, such as:          No phone number available
• other creditors who want to offer you preapproved credit;                                  Date of inquiry: Jul 23, 2008
• an employer who wishes to extend an offer of employment;                                   WFFINANCE 2501 SEAPORT DR STE BH300 CHESTER PA 19013
• a potential investor in assessing the risk of a current obligation;                        No phone number available
                                                                                             Date of inquiry: May 28, 2008; Apr 01, 2008; Feb 06, 2008; Nov 30, 2007
                                                                                             CAP ONE PO BOX 30281 SALT LAKE CITY UT 84130
                                                                                             No phone number available

                                                                           0003196447
                                                                                                        000000007
                                                                  Prepared for: JOHN Q CONSUMER                                                             Page 15 of 18
                                                                  Date: December 20, 2010
                                                                  Report number: 1562-3035-64


Date of inquiry: Apr 30, 2008; Apr 16, 2008; Feb 20, 2008; Jan 15, 2008; Aug 14,      HSBC NV 12447 SW 69TH AVE TIGARD OR 97223
2007; Aug 12, 2007; Jul 15, 2007; Jul 10, 2007; Jun 27, 2007; Jun 19, 2007; Jun 18,   No phone number available
2007; May 23, 2007; May 15, 2007; Apr 18, 2007; Apr 12, 2007; Jan 14, 2007; Dec 14,   Date of inquiry: Jan 19, 2007; Dec 20, 2006
2006
                                                                                      UPLAND MORTGAGE 111 PRESIDENTIAL BLVD                   BALA CYNWYD PA 19004
FIRST USA,NA PO BOX 8650 WILMINGTON DE 19899                                          No phone number available
(800) 955-9900                                                                        Date of inquiry: Jan 13, 2007
Date of inquiry: Mar 13, 2008; Feb 24, 2008
                                                                                      HSBC NV 12447 SW 69TH AVE            TIGARD OR 97223
FIRST USA,NA                                                                          No phone number available
No phone number available                                                             Date of inquiry: Dec 20, 2006
Date of inquiry: Feb 24, 2008
                                                                                      ORCHARD BANK 12447 SW 69TH AVE               TIGARD OR 97223
PRIMUS FINANCIAL SVCS PO BOX 542000           OMAHA NE 68154                          No phone number available
No phone number available                                                             Date of inquiry: Nov 01, 2006
Date of inquiry: Jan 17, 2008
SUMMIT MORTGAGE 555 HERNDON PKWY STE 200                HERNDON VA 20170              Personal information
No phone number available                                                             The following information is reported to us by you, your creditors and/or other sources.
Date of inquiry: Dec 18, 2007                                                         Each source may report your personal information differently, which may result in
HSBC AUTO 6602 CONVOY CT          SAN DIEGO CA 92111                                  variations of your name, address, Social Security number, etc. As part of our fraud
(800) 418-1888                                                                        protection efforts, a notice with additional information may appear.
Date of inquiry: Nov 18, 2007
                                                                                      n Names
CHOICEPOINT/INS P&C 1000 ALDERMAN DR ALPHARETTA GA 30005                              WILLIAM MICHAEL KOBILY
No phone number available                                                                 Name identification number:    27764
On behalf of GRANGE MUTUAL CASUALTY G for Insurance underwriting                      WILLIAM KOBILY
Date of inquiry: Oct 05, 2007                                                             Name identification number:    19464
GRANGE INSURANCE 650 S FRONT ST            COLUMBUS OH 43206                          BILL KOBILY
No phone number available                                                                 Name identification number:    5128
                                                                                      WILLIAM M KOBILY
Date of inquiry: Jul 01, 2007
                                                                                          Name identification number:    14963
MDA CAPITAL INC 6036 CENTRAL AVE SAINT PETERSBURG FL 33707                            WILLIAM STEPHEN
No phone number available                                                                 Name identification number:    29975
Date of inquiry: Jun 22, 2007; May 15, 2007                                           WILLIAM M MOBILY
FAC/SEATTLE MTG COMPANY 601 108TH AVE NE STE 700               BELLEVUE WA                Name identification number:    28371




                                                                                                                                                                                  2424-05-00-0000002-0008-0000016
98004
No phone number available
                                                                                      n Addresses
                                                                                      These addresses are listed in no particular order and may include previous addresses
Date of inquiry: Jun 20, 2007                                                         where you received mail. The Address identification number is how our system
MDA CAPITAL INC 6036 CENTRAL AVE           SAINT PETERSBURG FL 33707                  identifies the address and which data furnisher, such as a creditor, court or potential
No phone number available                                                             creditor reported the address to us. The geographical code shown with each address
Date of inquiry: May 15, 2007                                                         identifies the state, county, census tract, block group and Metropolitan Statistical Area
                                                                                      associated with each address. These listings do not affect your credit score.


                                                                   0003196447
                                                              Prepared for: JOHN Q CONSUMER                                                             Page 16 of 18
                                                              Date: December 20, 2010
                                                              Report number: 1562-3035-64


Personal information continued                                                    Personal information continued
Address                                Type of address      Geographical code     Address                                    Type of address           Geographical code
2205 BOSTON RD APTL112                        Apartment     0-81360110-13-8000    2203 BOSTON RD #A-2112                          Single family       0-81360110-13-8000
WILBRAHAM MA 01095-1149                        complex                            WILBRAHAM MA 01095-1160
Address identification number: 0000538907                                         Address identification number: 0573391997
17 LAWLER ST                                Single family   0-81210280-13-8000    n Social Security number variations
HOLYOKE MA 01040-2928                                                             As a security precaution, we did not list the Social Security number that you provided
Address identification number: 0000375966                                         when you contacted us. The numbers below are variations that have been reported to
2205 BOSTON RD                                Multifamily   0-81360110-13-8000    us. Only the last four digits of each reported variation are displayed. Numbers that
WILBRAHAM MA 01095-1164                                                           appear here vary from the number you used to generate this report. Actual differences
Address identification number: 0000538794                                         in the numbers may be part of the displayed portion or part of the hidden portion.
2205 BOSTON RD APT2112                        Apartment     0-81360110-13-8000    None
WILBRAHAM MA 01095-1164                        complex                            n Date of birth
Address identification number: 0367896801                                         Aug 16, 1969
2205 BOSTON RD APTJ90                         Apartment     0-81360110-13-8000
WILBRAHAM MA 01095-1146                        complex                            n Telephone numbers
Address identification number: 0000538880                                         413 596-1414
                                                                                  413 596-3114
615 RIDGE RD                                Single family   0-81360290-13-8000
WILBRAHAM MA 01095-2314                                                           n Former or current employers
Address identification number: 0000542191                                         ABERDEEN CHRYSLER CENTE PO BOX 76 901 AUTO PLAZA ABERDEEN SD
12 ROYCE CT APTF3                             Apartment     0-81220070-13-8000    57401-
W SPRINGFIELD MA 01089-2571                    complex
Address identification number: 0000519721                                                                           --- End of Report ---
L- 111                                                                 0-00- 0-
WILBRAHAM MA 01095-                                                                         If you disagree with information in your report you may dispute it at:
Address identification number: 0398272262                                                                 www.experian.com/disputes
2205 BOSTON RD APT112                         Apartment     0-81360110-13-8000
WILBRAHAM MA 01095-1164                        complex                                       You may also visit www.experian.com to view your report again.
Address identification number: 0000538768




                                                                                                                                                                           2424-05-00-0000002-0008-0000016
17 LAWLER ST #3                             Single family   0-81210280-13-8000
HOLYOKE MA 01040-2928
Address identification number: 0611671857
17 LAWLER ST #19                            Single family   0-81210280-13-8000
HOLYOKE MA 01040-2928
Address identification number: 0573896189




                                                                0003196447
                                                                                             000000008
                                                                                  Prepared for: JOHN Q CONSUMER                                                                     Page 17 of 18
                                                                                  Date: December 20, 2010
                                                                                  Report number: 1562-3035-64



Dispute form                                                                                           First dispute
For the fastest and easiest way to dispute information, visit:                                         Company name:
www.experian.com/disputes                                                                              Your partial account number:
You may also mail this form to: Experian, P.O. Box 9701, Allen, TX 75013                               I believe this item is incorrect because (Choose only one):
Or, call us for assistance at 1 800 509 8495
                                                                                                       o Payment never late o Account closed o Paid in full – On what date?             /       /
Use this form for any disputes you wish to submit by mail.
                                                                                                       o Account included in bankruptcy – Chapter:                   Filing date:   /       /
Complete all of the following information and submit by mail, within 90 days from the report date
listed above. Once we receive your dispute, it may take up to 30 days (or up to 45 days for an         o Not my account – Who does it belong to?
investigation of information in an annual free credit report) to complete our investigation with the
source of the disputed information. We will then notify you of the results. You may make copies of     o Other – Must explain:
this form to submit additional disputes or use a separate piece of paper.

Remember, most accurate negative information will remain a part of your credit history for up to
seven years and bankruptcies and unpaid tax liens for up to 10 years. Experian is regulated by         Second dispute
federal law and we cannot remove information that has been verified as accurate from your credit
report.                                                                                                Company name:
                                                                                                       Your partial account number:
What’s your credit score? Find out by ordering your VantageScore® for only $7.95.
o Send my VantageScore (Score will include investigation results of any                                I believe this item is incorrect because (Choose only one):
   disputes submitted on this form. Make check or money order payable to
   Experian.)                                                                                          o Payment never late o Account closed o Paid in full – On what date?             /       /
o Request overnight delivery via FedEx for an additional $20 to receive your                           o Account included in bankruptcy – Chapter:                   Filing date:   /       /
   score report before investigation is completed.
                                                                                                       o Not my account – Who does it belong to?
Intentionally making any false statement could be punishable by law.
                                                                                                       o Other – Must explain:
 Your current identification information (correct any incorrect information)
 Fill in your Social Security number:                     -              -
 (We cannot honor your request without your Social Security number.)
                                                                                                       Third dispute
 Current Mailing Address: 2205 BOSTON RD APTL112 WILBRAHAM MA 01095
 Year of birth: 1969                                                                                   Company name:
 Enter your email address to be notified when your credit results are ready:                           Your partial account number:
                                                                                                       I believe this item is incorrect because (Choose only one):




                                                                                                                                                                                                    2424-05-00-0000002-0009-0000017
Is any of the information below incorrect on your report?                                              o Payment never late o Account closed o Paid in full – On what date?             /       /

o Spouse’s name o         Telephone number – Which one is incorrect?              /        /           o Account included in bankruptcy – Chapter:                   Filing date:   /       /

o Employer – Which one is incorrect?                                                                   o Not my account – Who does it belong to?
o Date of birth – Fill in your correct date of birth:               /                 /                o Other – Must explain:
o Address – Which one is incorrect?


                                                                                      0003196447
                                                                  Prepared for: JOHN Q CONSUMER                                                       Page 18 of 18
                                                                  Date: December 20, 2010
                                                                  Report number: 1562-3035-64


Notification of Rights for Massachusetts Consumers                                    authorization, you must contact the consumer reporting agency and provide
                                                                                      the following:
Under Massachusetts law, at your request, the credit reporting agency will
provide you with a copy of your report, at no charge, once per year. We must          (1) the personal identification number or password provided by the consumer
convey your request for investigation to the source of the information within         reporting agency;
five business days after receiving your request. The results of our investigation     (2) proper identification to verify your identity; and
will be sent to you within 10 business days after the investigation is complete.      (3) the third party or parties who are to receive the consumer report or the
You have a right to receive a record of all requests for your credit history          specified period of time for which the report shall be available to authorized
relating to a credit transaction initiated within the past six months, or two years   users of the consumer report.
if your credit history is reviewed for employment purposes. If you request, we
will provide you with the company name, address and telephone number of               A consumer reporting agency that receives a request from a consumer to lift a
any person contacted during the investigation within 15 days of your request.         freeze on a consumer report shall comply with the request not later than 3
You may be entitled to collect compensation, in certain circumstances, if you         business days after receiving the request.
are damaged by a person’s negligent or intentional failure to comply with the
provisions of the credit reporting act.                                               A security freeze shall not apply to a person or entity, or to its affiliates, or
                                                                                      collection agencies acting on behalf of the person or entity, with which you
Massachusetts Consumers Have The Right To Obtain A Security Freeze                    have an existing account, that requests information relative to your consumer
You have a right to request a "security freeze" on your consumer report. The          report for the purposes of reviewing or collecting the account, if you have
security freeze will prohibit a consumer reporting agency from releasing any          previously given consent to the use of your consumer report. "Reviewing the
information in your consumer report without your express authorization.               account" includes activities related to account maintenance, monitoring, credit
                                                                                      line increases, and account upgrades and enhancements.
A security freeze shall be requested by sending a request either by certified
mail, overnight mail or regular stamped mail to a consumer reporting agency,
or as authorized by regulation. The security freeze is designed to prevent
credit, loans or services from being approved in your name without your
consent. You should be aware that using a security freeze may delay, interfere
with, or prevent the timely approval of any subsequent request or application
you make regarding new loans, credit, mortgage, insurance, government
services or payments, rental housing, employment, investment, license,
cellular phone, utilities, digital signature, internet credit card transactions, or
other services, including an extension of credit at point of sale.




                                                                                                                                                                          2424-05-00-0000002-0009-0000017
When you place a security freeze on your consumer report, within 5 business
days of receiving your request for a security freeze, the consumer reporting
agency shall provide you with a personal identification number or password to
use if you choose to remove the freeze on your consumer report or to
authorize the release of your consumer report to a specific party or for a
specified period of time after the freeze is in place. To provide that


                                                                    0003196447
                                                                                                000000009

								
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