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07/28/2014

File Number: 346418650

-Begin Credit Report-

You have been on our files since 08/01/1986


Date of Birth: 09/23/1963

SSN: XXX-XX-3523
Your SSN has been masked for your protection.

Names Reported: PATSY L. HICKS and PATSY L. HUME


Addresses Reported:
Address
229 S RIEBELING ST, COLUMBIA, IL 62236-2024
229 SRIEBELING, COLUMBIA, IL 62236
723 N MAIN ST, COLUMBIA, IL 62236-1407
502 S MARKET ST, WATERLOO, IL 62298-1728

Date Reported
01/22/2007
12/08/2004
02/01/1997

Telephone Numbers Reported:


(618) 281-6165

Employment Data Reported:


Employer Name

Date Verified

ASSOCIATED BANK

04/15/2005

ILLINI FEDERAL

08/01/1989

Typically, creditors report any changes made to your account information monthly. This means that some accounts listed below may not reflect the most recent activity until the
creditor's next reporting. This information may include things such as balances, payments, dates, remarks, ratings, etc. The key(s) below are provided to help you understand some of
the account information that could be reported.
Rating Key
Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings in the key below describe the payments that may be reported
by your creditors. Please note: Some but not all of these ratings may be present in your credit report.

Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have
added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note: Accounts are
reported as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid on or before
the due date.

ASSOC MTG #11173****


PO BOX 23457
GREEN BAY, WI 54305-3457
(800) 242-2470
Date Opened:
Responsibility:
Account Type:
Loan Type:

09/24/2004
Joint Account
Mortgage Account
CONVENTIONAL
REAL ESTATE
MTG

Date Updated:
Payment Received:
Last Payment Made:

High Balance: High balance of $147,250 from 01/2012 to 06/2014


Mortgage Info: Fannie Mae Acct #4004179775

06/30/2014
$1,285
06/13/2014

Pay Status:

Current; Paid or Paying as


Agreed
Terms:
$1,285 per month, paid
Monthly for 360 months
>Maximum Delinquency of 60 days in 01/2012 and in
02/2013<

06/2014
Balance

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

10/2013

09/2013

$122,939

$123,231

$123,483

$123,773

$123,983

$124,310

$124,577

$124,823

$125,107

$126,209

Scheduled
Payment

$1,285

$1,285

$1,285

$1,285

$1,285

$1,285

$1,285

$1,285

$1,285

$1,297

Amount Paid

$1,285

$1,285

$1,285

$1,285

$1,285

$1,285

$1,285

$1,285

$2,582

$1,297

$0

$0

$0

$0

$0

$0

$0

$0

$0

$1,821

Past Due
Rating

Balance

OK

OK

OK

OK

OK

OK

OK

OK

OK

30

08/2013

07/2013

06/2013

05/2013

04/2013

03/2013

02/2013

01/2013

12/2012

11/2012

$126,490

$126,751

$126,130

$126,408

$126,645

$126,920

$128,833

$129,146

$128,539

$128,769

Scheduled
Payment

$1,297

$1,297

$1,297

$1,297

$1,297

$1,297

$1,297

$1,297

$1,297

$1,287

Amount Paid

$1,297

$0

$1,297

$1,297

$1,297

$3,891

$1,297

$0

$1,297

$1,287

Past Due

$1,821

$1,826

$0

$0

$0

$0

$3,100

$3,112

$1,735

$1,671

Rating

Balance

30

30

OK

OK

OK

OK

60

60

30

30

10/2012

09/2012

08/2012

07/2012

06/2012

05/2012

04/2012

03/2012

02/2012

01/2012

$129,039

$129,266

$129,534

$129,780

$129,144

$130,268

$129,630

$129,892

$130,091

$132,090

Scheduled
Payment

$1,281

$1,281

$1,281

$1,281

$1,281

$1,281

$1,281

$1,281

$1,281

$1,281

Amount Paid

$1,281

$1,281

$1,281

$0

$2,562

$0

$1,281

$1,281

$3,843

$0

Past Due

$1,599

$1,551

$1,545

$1,507

$0

$1,449

$0

$0

$0

$2,782

Rating

Rating

Rating

Rating

Rating

Rating

Rating

30

30

30

30

OK

30

OK

OK

OK

60

12/2011

11/2011

10/2011

09/2011

08/2011

07/2011

06/2011

05/2011

04/2011

03/2011

30

30

30

OK

OK

30

OK

30

OK

OK

02/2011

01/2011

12/2010

11/2010

10/2010

09/2010

08/2010

07/2010

06/2010

05/2010

OK

30

OK

OK

OK

OK

OK

OK

30

OK

04/2010

03/2010

02/2010

01/2010

12/2009

11/2009

10/2009

09/2009

08/2009

07/2009

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

06/2009

05/2009

04/2009

03/2009

02/2009

01/2009

12/2008

11/2008

10/2008

09/2008

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

08/2008

07/2008

06/2008

05/2008

04/2008

03/2008

02/2008

01/2008

12/2007

11/2007

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

10/2007

09/2007

08/2007

OK

OK

OK

ASSOCIATED BANK #885305****

PERSONAL VERIFY MS 7704PO BOX 19006


GREEN BAY, WI 54307
(800) 236-8866
Date Opened:
Responsibility:
Account Type:
Loan Type:

11/28/2006
Joint Account
Line of Credit
Account
HOME EQUITY
LOAN

Date Updated:
Payment Received:
Last Payment Made:

06/30/2014
$315
06/27/2014

Pay Status:

Current; Paid or Paying as


Agreed
Terms:
$316 per month, paid
Monthly
>Maximum Delinquency of 30 days in 06/2013 and in
01/2014<

High Balance: High balance of $27,500 from 11/2012 to 04/2013; $27,500 from 07/2013 to 11/2013; $27,500 from 02/2014 to 06/2014
Credit Limit: Credit limit of $27,500 from 11/2012 to 04/2013; $27,500 from 07/2013 to 11/2013; $27,500 from 02/2014 to 06/2014

06/2014
Balance

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

10/2013

09/2013

$27,350

$27,497

$27,498

$27,499

$27,500

$27,497

$27,498

$27,499

Scheduled
Payment

$316

$310

$317

$312

$316

$311

$309

$309

Amount Paid

$315

$314

$314

$0

$299

$310

$266

$349

$0

$0

$0

$0

$0

$0

$0

$0

Past Due
Rating

Balance

OK

OK

OK

OK

OK

30

OK

OK

OK

OK

08/2013

07/2013

06/2013

05/2013

04/2013

03/2013

02/2013

01/2013

12/2012

11/2012

$27,497

$27,082

$27,493

$27,366

$27,498

$27,493

$27,493

$27,485

$305

$306

$307

$304

$305

$301

$301

$303

Amount Paid

$9

$299

$277

$319

$305

$0

$614

$9

Past Due

$0

$0

$0

$0

$0

$0

$0

$0

Scheduled
Payment

Rating

OK

OK

30

OK

OK

OK

OK

OK

OK

OK

CAPITAL ONE / BEST BUY #700106216450****


P O BOX 30253
SALT LAKE CITY, UT 84130-0253
(800) 695-6950
Date Opened:
Responsibility:
Account Type:
Loan Type:

01/13/2009
Joint Account
Revolving Account
CHARGE
ACCOUNT

Date Updated:
Payment Received:
Last Payment Made:

09/09/2013
$210
08/30/2013

Pay Status:

Current; Paid or Paying as


Agreed
Terms:
Paid Monthly
Date Closed:
09/09/2013
>Maximum Delinquency of 30 days in 03/2013<

High Balance: High balance of $2,700 from 01/2012 to 11/2012; $4,854 from 12/2012 to 12/2012; $4,874 from 01/2013 to 01/2013; $4,939 from 04/2013 to 09/2013
Credit Limit: Credit limit of $3,600 from 01/2012 to 01/2013; $3,600 from 04/2013 to 09/2013
Remarks: PURCHASED BY ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE

09/2013
Balance

08/2013
$0

Past Due
Rating

OK

06/2013

05/2013

04/2013

03/2013

02/2013

01/2013

12/2012

$4,270

$4,416

$4,456

$4,451

$4,785

$4,874

$4,854

$107

$150

$145

$106

$144

$149

$104

$210

$210

$140

$140

$359

$50

$80

$30

$0

$0

$0

$0

$0

$0

$0

$0

Scheduled
Payment
Amount Paid

07/2013

OK

OK

OK

OK

OK

30

OK

OK

OK

11/2012
Balance

10/2012

09/2012

08/2012

07/2012

06/2012

05/2012

04/2012

03/2012

02/2012

$2,665

$2,666

$1,788

$1,814

$1,840

$1,865

$1,866

$1,895

$1,935

$1,964

Scheduled
Payment

$57

$31

$25

$25

$25

$25

$25

$25

$25

$25

Amount Paid

$30

$30

$30

$30

$30

$30

$30

$40

$30

$30

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due
Rating

Balance

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

01/2012

12/2011

11/2011

10/2011

09/2011

08/2011

07/2011

06/2011

05/2011

04/2011

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

03/2011

02/2011

01/2011

12/2010

11/2010

10/2010

09/2010

08/2010

07/2010

06/2010

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

05/2010

04/2010

03/2010

02/2010

01/2010

12/2009

11/2009

10/2009

09/2009

08/2009

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

07/2009

06/2009

05/2009

04/2009

03/2009

02/2009

OK

OK

OK

OK

OK

OK

$1,993

Scheduled
Payment

$25

Amount Paid

$30

Past Due
Rating

Rating

Rating

Rating

$0

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

ASSOCIATED BANK #942006****


PERSONAL VERIFY MS 7704
PO BOX 19006
GREEN BAY, WI 54307
(800) 236-8866
Date Opened:
Responsibility:
Account Type:
Loan Type:

08/14/2007
Joint Account
Mortgage Account
CONVENTIONAL
REAL ESTATE
MTG

Balance:
Date Updated:
Payment Received:
Last Payment Made:
High Balance:

Pay Status:

$0
10/07/2011
$0
09/15/2011
$13,065

Terms:
Date Closed:

Current; Paid or Paying as


Agreed
$0 per month, paid Monthly
for 48 months
10/07/2011

Remarks: CLOSED

Rating

09/2011

08/2011

07/2011

06/2011

05/2011

04/2011

03/2011

02/2011

01/2011

12/2010

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

Rating

Rating

Rating

Rating

11/2010

10/2010

09/2010

08/2010

07/2010

06/2010

05/2010

04/2010

03/2010

02/2010

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

01/2010

12/2009

11/2009

10/2009

09/2009

08/2009

07/2009

06/2009

05/2009

04/2009

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

03/2009

02/2009

01/2009

12/2008

11/2008

10/2008

09/2008

08/2008

07/2008

06/2008

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

05/2008

04/2008

03/2008

02/2008

01/2008

12/2007

11/2007

10/2007

09/2007

OK

OK

OK

OK

OK

OK

OK

OK

OK

ASSOCIATED BANK #942000****


PERSONAL VERIFY MS 7704
PO BOX 19006
GREEN BAY, WI 54307
(800) 236-8866
Date Opened:
Responsibility:
Account Type:
Loan Type:

04/22/2005
Joint Account
Installment Account
SECURED

Balance:
Date Updated:
Payment Received:
Last Payment Made:
High Balance:

Pay Status:

$0
03/05/2010
$284
03/03/2010
$14,465

Terms:
Date Closed:

Current; Paid or Paying as


Agreed
$0 per month, paid Monthly
for 60 months
03/05/2010

Remarks: CLOSED

Rating

Rating

Rating

Rating

Rating

Rating

02/2010

01/2010

12/2009

11/2009

10/2009

09/2009

08/2009

07/2009

06/2009

05/2009

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

04/2009

03/2009

02/2009

01/2009

12/2008

11/2008

10/2008

09/2008

08/2008

07/2008

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

06/2008

05/2008

04/2008

03/2008

02/2008

01/2008

12/2007

11/2007

10/2007

09/2007

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

08/2007

07/2007

06/2007

05/2007

04/2007

03/2007

02/2007

01/2007

12/2006

11/2006

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

10/2006

09/2006

08/2006

07/2006

06/2006

05/2006

04/2006

03/2006

02/2006

01/2006

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

12/2005

11/2005

10/2005

09/2005

08/2005

07/2005

06/2005

05/2005

04/2005

OK

OK

OK

OK

OK

OK

OK

OK

OK

ASSOCIATED BANK #698406942000****


PERSONAL VERIFY MS 7704
PO BOX 19006
GREEN BAY, WI 54307
(800) 236-8866

Date Opened:
Responsibility:

04/18/2005
Participant on
Account
Installment Account
AUTOMOBILE

Account Type:
Loan Type:

Balance:
Date Updated:
Last Payment Made:
High Balance:

Pay Status:

$0
11/28/2006
11/27/2006
$19,500

Terms:
Date Closed:

Current; Paid or Paying as


Agreed
$334 per month, paid
Monthly for 72 months
11/28/2006

Remarks: CLOSED

Rating

Rating

10/2006

09/2006

08/2006

07/2006

06/2006

05/2006

04/2006

03/2006

02/2006

01/2006

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

12/2005

11/2005

10/2005

09/2005

08/2005

07/2005

06/2005

05/2005

04/2005

OK

OK

OK

OK

OK

OK

OK

OK

OK

ASSOCIATED BANK #698406942003****


PERSONAL VERIFY MS 7704
PO BOX 19006
GREEN BAY, WI 54307
(800) 236-8866
Date Opened:
Responsibility:

06/22/2006
Participant on
Account
Installment Account
AUTOMOBILE

Account Type:
Loan Type:

Balance:
Date Updated:
Last Payment Made:
High Balance:

$0
11/28/2006
11/27/2006
$4,500

Pay Status:
Terms:
Date Closed:

Current; Paid or Paying as


Agreed
$75 per month, paid
Monthly for 72 months
11/28/2006

Remarks: CLOSED

Rating

10/2006

09/2006

08/2006

07/2006

06/2006

OK

OK

OK

OK

OK

ASSOCIATED BANK #698406441087****


PERSONAL VERIFY MS 7704
PO BOX 19006
GREEN BAY, WI 54307
(800) 236-8866
Date Opened:
Responsibility:

12/07/2004
Participant on
Account
Installment Account
AUTOMOBILE

Account Type:
Loan Type:

Balance:
Date Updated:
Last Payment Made:
High Balance:

$0
05/02/2005
04/29/2005
$10,400

Pay Status:
Terms:
Date Closed:

Current; Paid or Paying as


Agreed
$314 per month, paid
Monthly for 36 months
05/02/2005

Remarks: CLOSED

Rating

04/2005

03/2005

02/2005

01/2005

12/2004

OK

OK

OK

OK

OK

BEST BUY/CBNA #700106216450****


PO BOX 6497
SIOUX FALLS, SD 57117
Phone number not available
Date Opened:
Responsibility:
Account Type:
Loan Type:

01/13/2009
Joint Account
Revolving Account
CHARGE
ACCOUNT

Date Updated:
Payment Received:
Last Payment Made:

High Balance: High balance of $4,939 from 10/2013 to 06/2014


Credit Limit: Credit limit of $3,600 from 10/2013 to 06/2014

06/18/2014
$140
06/13/2014

Pay Status:
Terms:

Current; Paid or Paying as


Agreed
$146 per month, paid
Monthly

06/2014
Balance

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

10/2013

$3,916

$3,950

$4,051

$3,752

$3,802

$3,823

$3,945

$4,028

$4,111

Scheduled
Payment

$146

$115

$115

$128

$122

$92

$97

$98

$102

Amount Paid

$140

$175

$140

$140

$105

$175

$140

$140

$175

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due

OK

Rating

OK

OK

OK

OK

OK

OK

OK

OK

CHASE/BANK ONE CARD SERV #426684106387****


PO BOX 15298
WILMINGTON, DE 19850
(800) 955-9900
Date Opened:
Responsibility:
Account Type:
Loan Type:

06/22/2005
Authorized Account
Revolving Account
CREDIT CARD

Date Updated:
Payment Received:
Last Payment Made:

Pay Status:

07/22/2014
$0
07/15/2014

Current; Paid or Paying as


Agreed
$119 per month, paid
Monthly

Terms:

High Balance: High balance of $3,601 from 01/2012 to 07/2014


Credit Limit: Credit limit of $3,500 from 01/2012 to 07/2014

07/2014
Balance

06/2014

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

10/2013

$3,451

$3,581

$3,574

$3,580

$3,554

$3,469

$3,504

$3,534

$3,451

$3,492

$119

$158

$144

$120

$108

$114

$114

$108

$109

$106

Amount Paid

$0

$0

$0

$0

$0

$115

$115

$115

$115

$115

Past Due

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Scheduled
Payment

Rating

Balance

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

09/2013

08/2013

07/2013

06/2013

05/2013

04/2013

03/2013

02/2013

01/2013

12/2012

$3,535

$3,519

$3,396

$3,423

$3,405

$3,440

$3,393

$3,371

$3,425

$3,479

Scheduled
Payment

$107

$103

$98

$99

$96

$98

$89

$94

$95

$93

Amount Paid

$115

$115

$115

$115

$115

$115

$115

$115

$115

$115

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due
Rating

Balance

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

11/2012

10/2012

09/2012

08/2012

07/2012

06/2012

05/2012

04/2012

03/2012

02/2012

$3,500

$3,554

$3,459

$3,409

$3,413

$3,399

$3,445

$3,346

$3,412

$3,480

$95

$91

$115

$88

$85

$86

$82

$82

$80

$85

$115

$115

$115

$115

$115

$115

$115

$115

$115

$115

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Scheduled
Payment
Amount Paid
Past Due
Rating

Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

01/2012

12/2011

11/2011

10/2011

09/2011

08/2011

07/2011

06/2011

05/2011

04/2011

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

03/2011

02/2011

01/2011

12/2010

11/2010

10/2010

09/2010

08/2010

07/2010

06/2010

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

05/2010

04/2010

03/2010

02/2010

01/2010

12/2009

11/2009

10/2009

09/2009

08/2009

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

07/2009

06/2009

05/2009

04/2009

03/2009

02/2009

01/2009

12/2008

11/2008

10/2008

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

09/2008

08/2008

07/2008

06/2008

05/2008

04/2008

03/2008

02/2008

01/2008

12/2007

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

11/2007

10/2007

09/2007

OK

OK

OK

Rating

Rating

Rating

Rating

Rating

CITICARDS CBNA #075320078000****


PO BOX 6497
SIOUX FALLS, SD 57117
(800) 635-1520
Date Opened:
Responsibility:
Account Type:
Loan Type:

11/17/1989
Individual Account
Line of Credit
Account
LINE OF CREDIT

Balance:
Date Updated:
Payment Received:
Last Payment Made:
Credit Limit:

Pay Status:

$0
11/07/2007
$0
10/30/2006
$300

Date Closed:
Date Paid:

Current; Paid or Paying as


Agreed
09/27/2007
10/30/2006

Remarks: ACCOUNT CLOSED BY CONSUMER; CLOSED

Rating

Rating

Rating

Rating

Rating

Rating

10/2007

09/2007

08/2007

07/2007

06/2007

05/2007

04/2007

03/2007

02/2007

01/2007

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

12/2006

11/2006

10/2006

09/2006

08/2006

07/2006

06/2006

05/2006

04/2006

03/2006

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

02/2006

01/2006

12/2005

11/2005

10/2005

09/2005

08/2005

07/2005

06/2005

05/2005

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

04/2005

03/2005

02/2005

01/2005

12/2004

11/2004

10/2004

09/2004

08/2004

07/2004

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

06/2004

05/2004

04/2004

03/2004

02/2004

01/2004

12/2003

11/2003

10/2003

09/2003

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

08/2003

07/2003

06/2003

OK

OK

OK

COMENITY BANK/BDFRDFR #585637378186****


P O BOX 182789
COLUMBUS, OH 43218-2789
Phone number not available
Date Opened:
Responsibility:
Account Type:
Loan Type:

03/08/2009
Individual Account
Revolving Account
CHARGE
ACCOUNT

Balance:
Date Updated:
Payment Received:
Last Payment Made:
High Balance:
Credit Limit:

$0
05/28/2009
$76
04/11/2009
$76
$750

Pay Status:

$0
10/18/2007
$63
09/30/2007
$63
$1,000

Pay Status:

06/26/2014
$60
06/11/2014

Pay Status:

Current; Paid or Paying as


Agreed
04/11/2009

Date Paid:

04/2009
Rating

OK

COMENITY BANK/DRESSBRN #585637102837****


PO BOX 182789
COLUMBUS, OH 43218-2789
Phone number not available
Date Opened:
Responsibility:
Account Type:
Loan Type:

Rating

08/27/2007
Individual Account
Revolving Account
CHARGE
ACCOUNT

Balance:
Date Updated:
Payment Received:
Last Payment Made:
High Balance:
Credit Limit:

09/2007

08/2007

OK

OK

Current; Paid or Paying as


Agreed
09/30/2007

Date Paid:

COMENITY BANK/FASHBUG #600466941115****


POB 182789
COLUMBUS, OH 43218-2789
Phone number not available
Date Opened:
Responsibility:
Account Type:
Loan Type:

09/08/2005
Individual Account
Revolving Account
CHARGE
ACCOUNT

Date Updated:
Payment Received:
Last Payment Made:

Current; Paid or Paying as


Agreed
$25 per month, paid
Monthly

Terms:

High Balance: High balance of $1,269 from 01/2012 to 01/2012; $1,283 from 02/2012 to 06/2014
Credit Limit: Credit limit of $1,350 from 01/2012 to 09/2012; $1,570 from 10/2012 to 03/2013; $1,630 from 04/2013 to 06/2014

06/2014
Balance

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

10/2013

09/2013

$470

$520

$569

$616

$663

$709

$754

$797

$841

$882

Scheduled
Payment

$25

$26

$28

$31

$33

$35

$38

$40

$42

$44

Amount Paid

$60

$60

$60

$60

$60

$60

$60

$60

$60

$60

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due
Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

08/2013
Balance

07/2013

06/2013

05/2013

04/2013

03/2013

02/2013

01/2013

12/2012

11/2012

$924

$964

$1,003

$1,041

$1,079

$840

$882

$922

$939

$880

Scheduled
Payment

$46

$48

$50

$52

$54

$42

$44

$46

$47

$44

Amount Paid

$60

$60

$60

$60

$60

$60

$60

$50

$60

$60

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due
Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

10/2012

09/2012

08/2012

07/2012

06/2012

05/2012

04/2012

03/2012

02/2012

01/2012

Balance

$921

$925

$898

$939

$978

$1,018

$1,126

$1,108

$1,283

$1,263

Scheduled
Payment

$46

$46

$45

$47

$49

$51

$56

$55

$64

$63

Amount Paid

$60

$60

$60

$60

$60

$60

$40

$70

$40

$61

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due
Rating

Rating

Rating

Rating

Rating

Rating

Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

12/2011

11/2011

10/2011

09/2011

08/2011

07/2011

06/2011

05/2011

04/2011

03/2011

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

02/2011

01/2011

12/2010

11/2010

10/2010

09/2010

08/2010

07/2010

06/2010

05/2010

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

04/2010

03/2010

02/2010

01/2010

12/2009

11/2009

10/2009

09/2009

08/2009

07/2009

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

06/2009

05/2009

04/2009

03/2009

02/2009

01/2009

12/2008

11/2008

10/2008

09/2008

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

08/2008

07/2008

06/2008

05/2008

04/2008

03/2008

02/2008

01/2008

12/2007

11/2007

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

10/2007

09/2007

08/2007

OK

OK

OK

COMENITY BANK/WOMNWTHN #18776****


POB 182789
COLUMBUS, OH 43218-2789
Phone number not available
Date Opened:
Responsibility:
Account Type:
Loan Type:

07/04/2012
Individual Account
Revolving Account
CHARGE
ACCOUNT

Date Updated:
Payment Received:
Last Payment Made:

07/18/2014
$30
07/03/2014

Pay Status:
Terms:

Credit Limit: Credit limit of $500 from 07/2012 to 07/2012; $500 from 02/2013 to 02/2014; $700 from 03/2014 to 06/2014; $900 from 07/2014 to 07/2014

Current; Paid or Paying as


Agreed
$20 per month, paid
Monthly

07/2014
Balance

06/2014

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

10/2013

$498

$449

$469

$177

$85

$113

$131

$158

$100

$128

Scheduled
Payment

$20

$20

$20

$20

$20

$20

$20

$20

$20

$20

Amount Paid

$30

$30

$30

$30

$30

$30

$30

$30

$30

$30

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

$498

$469

$469

$182

$182

$182

$182

$182

$182

$182

Past Due
High Balance

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

09/2013

08/2013

07/2013

06/2013

05/2013

04/2013

03/2013

02/2013

01/2013

12/2012

OK

OK

Rating

Balance

$23

$52

$61

$69

$78

$86

$182

$119

Scheduled
Payment

$20

$20

$20

$20

$20

$20

$20

$20

Amount Paid

$30

$30

$30

$30

$30

$30

$30

$0

$0

$0

$0

$0

$0

$0

$0

$0

$182

$182

$182

$182

$182

$182

$182

$119

Past Due
High Balance

OK

OK

OK

OK

OK

11/2012

10/2012

09/2012

08/2012

07/2012

Rating

OK

Balance

$0

Amount Paid

$0

Past Due

$0

High Balance

$0

OK

Rating

OK

OK

OK

OK

OK

OK

ELAN FINANCIAL #435997000188****


CB DISPUTES
PO BOX 108
SAINT LOUIS, MO 63166
(800) 558-3424
Date Opened:
Responsibility:
Account Type:
Loan Type:

08/16/2006
Individual Account
Revolving Account
FLEXIBLE
SPENDING CREDIT
CARD

Date Updated:
Payment Received:
Last Payment Made:

Pay Status:

06/30/2014
$600
06/27/2014

Current; Paid or Paying as


Agreed
$283 per month, paid
Monthly

Terms:

High Balance: High balance of $11,067 from 01/2012 to 01/2014; $11,173 from 02/2014 to 06/2014
Credit Limit: Credit limit of $11,000 from 01/2012 to 06/2014

06/2014
Balance

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

10/2013

09/2013

$10,419

$10,842

$10,969

$10,977

$10,710

$10,595

$10,983

$10,910

$10,932

$10,948

Scheduled
Payment

$283

$281

$300

$275

$463

$305

$280

$285

$291

$286

Amount Paid

$600

$300

$300

$0

$463

$585

$300

$300

$300

$300

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due
Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

08/2013
Balance

07/2013

06/2013

05/2013

04/2013

03/2013

02/2013

01/2013

12/2012

11/2012

$10,970

$10,990

$10,985

$10,606

$11,041

$10,949

$10,877

$10,923

$10,992

$10,913

Scheduled
Payment

$287

$298

$285

$336

$323

$279

$286

$324

$285

$300

Amount Paid

$300

$285

$0

$663

$280

$300

$324

$285

$300

$330

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due
Rating

Balance

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

10/2012

09/2012

08/2012

07/2012

06/2012

05/2012

04/2012

03/2012

02/2012

01/2012

$11,051

$10,985

$10,705

$11,136

$10,762

$10,896

$10,720

$10,561

$10,997

$11,008

Scheduled
Payment

$325

$288

$302

$316

$0

$0

$0

$0

$0

$0

Amount Paid

$300

$0

$618

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due
Rating

Rating

Rating

Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

12/2011

11/2011

10/2011

09/2011

08/2011

07/2011

06/2011

05/2011

04/2011

03/2011

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

02/2011

01/2011

12/2010

11/2010

10/2010

09/2010

08/2010

07/2010

06/2010

05/2010

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

04/2010

03/2010

02/2010

OK

OK

OK

SALLIE MAE #93455261651E00****


POB 9635
WILKES-BARRE, PA 18773-9635
Phone number not available
Date Opened:
Responsibility:
Account Type:
Loan Type:

09/24/2013
Individual Account
Installment Account
STUDENT LOAN

Date Updated:
Payment Received:
Last Payment Made:

Pay Status:

06/30/2014
$0
05/13/2014

Current; Paid or Paying as


Agreed
$82 per month, paid
Monthly for 120 months

Terms:

High Balance: High balance of $3,577 from 09/2013 to 01/2014; $7,153 from 02/2014 to 06/2014

06/2014
Balance

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

10/2013

09/2013

$7,251

$7,214

$7,340

$7,302

$7,263

$3,658

$3,639

$3,619

$3,600

$3,581

$82

$82

$82

$82

$82

$0

$0

$0

$0

$0

Amount Paid

$0

$164

$0

$0

$0

$0

$0

$0

$0

$0

Past Due

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Scheduled
Payment

Rating

OK

OK

SALLIE MAE #93455261651E00****

OK

OK

OK

OK

OK

OK

OK

OK

POB 9635
WILKES-BARRE, PA 18773-9635
Phone number not available
Date Opened:
Responsibility:
Account Type:
Loan Type:

06/24/2014
Individual Account
Installment Account
STUDENT LOAN

Balance:
Date Updated:
Payment Received:
High Balance:

$4,138
06/30/2014
$0
$4,133

Pay Status:

Balance:
Date Updated:
Payment Received:
Last Payment Made:
High Balance:
Credit Limit:

$0
07/13/2014
$0
03/01/1997
$512
$200

Pay Status:

Current; Paid or Paying as


Agreed
$46 per month, paid
Monthly for 120 months

Terms:

SYNCB/JC PENNEY #600889433058****


PO BOX 965007
ORLANDO, FL 32896-5007
(866) 227-5213
Date Opened:
Responsibility:
Account Type:
Loan Type:

09/16/1996
Joint Account
Revolving Account
CHARGE
ACCOUNT

Terms:
Date Closed:

Current; Paid or Paying as


Agreed
Paid Monthly
09/27/2007

Remarks: ACCOUNT CLOSED BY CONSUMER; CLOSED

Rating

Rating

Rating

Rating

Rating

Rating

Rating

Rating

Rating

06/2014

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

10/2013

09/2013

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

08/2013

07/2013

06/2013

05/2013

04/2013

03/2013

02/2013

01/2013

12/2012

11/2012

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

10/2012

09/2012

08/2012

07/2012

06/2012

05/2012

04/2012

03/2012

02/2012

01/2012

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

12/2011

11/2011

10/2011

09/2011

08/2011

07/2011

06/2011

05/2011

04/2011

03/2011

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

02/2011

01/2011

12/2010

11/2010

10/2010

09/2010

08/2010

07/2010

06/2010

05/2010

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

04/2010

03/2010

02/2010

01/2010

12/2009

11/2009

10/2009

09/2009

08/2009

07/2009

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

06/2009

05/2009

04/2009

03/2009

02/2009

01/2009

12/2008

11/2008

10/2008

09/2008

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

08/2008

07/2008

06/2008

05/2008

04/2008

03/2008

02/2008

01/2008

12/2007

11/2007

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

10/2007

09/2007

OK

OK

SYNCB/PAYPALEXTRASMC #521853100980****
PO BOX 965005
ORLANDO, FL 32896-5005
(866) 300-6432
Date Opened:
Responsibility:
Account Type:
Loan Type:

11/03/2008
Individual Account
Revolving Account
CREDIT CARD

Date Updated:
Payment Received:
Last Payment Made:

Pay Status:

06/24/2014
$105
06/10/2014

Current; Paid or Paying as


Agreed
$84 per month, paid
Monthly

Terms:

High Balance: High balance of $2,915 from 01/2012 to 06/2014


Credit Limit: Credit limit of $2,700 from 01/2012 to 06/2014

06/2014
Balance

$2,641

$2,677

$84

$79

$81

$84

$78

$82

$83

$80

$82

$81

$105

$105

$105

$105

$105

$105

$105

$105

$105

$105

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

08/2013

07/2013

06/2013

05/2013

04/2013

03/2013

02/2013

01/2013

12/2012

11/2012

$2,664

$2,689

$2,737

$2,688

$2,606

$2,641

$2,691

$2,744

$2,792

$2,735

$83

$84

$84

$81

$80

$82

$79

$86

$87

$81

$105

$105

$105

$105

$88

$105

$105

$105

$105

$105

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

10/2012

09/2012

08/2012

07/2012

06/2012

05/2012

04/2012

03/2012

02/2012

01/2012

$2,737

$2,735

$2,616

$2,637

$2,667

$2,548

$2,601

$2,581

$2,631

$2,684

$85

$83

$80

$82

$83

$78

$79

$81

$79

$84

$105

$105

$105

$105

$105

$105

$105

$105

$105

$105

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due

Rating

09/2013

$2,632

Amount Paid

Rating

10/2013

$2,739

Scheduled
Payment

Rating

11/2013

$2,726

Past Due

Rating

12/2013

$2,672

Amount Paid

Rating

01/2014

$2,675

Scheduled
Payment

Balance

02/2014

$2,692

Past Due

Rating

03/2014

$2,698

Amount Paid

Balance

04/2014

$2,650

Scheduled
Payment

Rating

05/2014

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

12/2011

11/2011

10/2011

09/2011

08/2011

07/2011

06/2011

05/2011

04/2011

03/2011

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

02/2011

01/2011

12/2010

11/2010

10/2010

09/2010

08/2010

07/2010

06/2010

05/2010

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

04/2010

03/2010

02/2010

01/2010

12/2009

11/2009

10/2009

09/2009

08/2009

07/2009

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

06/2009

05/2009

04/2009

03/2009

02/2009

01/2009

12/2008

OK

OK

OK

OK

OK

OK

OK

SYNCB/PAYPALEXTRASMC #521853100330****
PO BOX 965005
ORLANDO, FL 32896-5005
(866) 300-6432
Date Opened:
Responsibility:
Account Type:
Loan Type:

11/03/2008
Individual Account
Revolving Account
CREDIT CARD

Balance:
Date Updated:
Payment Received:
Last Payment Made:
High Balance:
Credit Limit:

Pay Status:

$0
11/22/2009
$0
11/09/2009
$2,694
$2,700

Date Closed:

Current; Paid or Paying as


Agreed
07/14/2009

Remarks: CREDIT CARD LOST OR STOLEN

Rating

Rating

10/2009

09/2009

08/2009

07/2009

06/2009

05/2009

04/2009

03/2009

02/2009

01/2009

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

12/2008

11/2008

OK

OK

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

TOWER LOAN - MS POSTING

CASTLEPAYDAY.COM

PO BOX 320001
FLOWOOD, MS 39232-0001
Phone number not available

E23967 CHOATE RD
WATERSMEET, MI 49969
(888) 945-2727

Requested On: 05/27/2014, 03/17/2014, 01/13/2014, 12/12/2013, 09/13/2013,


08/26/2013

Requested On: 05/13/2014

MUTUAL OF OMAHA

CAPITAL ONE BANK USA NA

MUTUAL OF OMAHA PL
OMAHA, NE 68175-0001
(877) 591-4243

PO BOX 30281
SALT LAKE CITY, UT 84130
(800) 955-7070

Requested On: 09/15/2013

Requested On: 09/01/2013, 08/01/2013

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

ELAN VISA

SYNCB/PAYPALEXTRASMC

PO BOX 108
SAINT LOUIS, MO 63166
Phone number not available

PO BOX 965005
ORLANDO, FL 32896-5005
(866) 300-6432

Requested On: 07/01/2014

Requested On: 06/19/2014

COMENTITY

SM SERVICING

9690 DEERCO RD
TIMONIUM, MD 21093
(866) 528-3733

P O BOX 9500
WILKES BARRE, PA 18773-9500
(703) 810-5811

Requested On: 06/18/2014

Requested On: 05/25/2014

ASSOCIATED BANK
1305 MAIN ST
STEVENS POINT, WI 54481-2830
(715) 341-0400
Requested On: 04/01/2014

-End of Credit Report-

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


Online:
To report an inaccuracy, please visit: dispute.transunion.com
For answers to general questions, please visit: www.transunion.com
By Mail:
TransUnion Consumer Relations
P.O. Box 2000
Chester, PA 19022-2000
By Phone:
(800) 916-8800
You may contact us between the hours of 8:00 a.m. and 11:00 p.m. Eastern Time, Monday
through Friday, except major holidays.

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

Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W.,
Washington, DC 20552.

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, DC
20552.
You must be told if information in your file has been used against you.
Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment -- or to take
another adverse action against you -- must tell you, and must give you the name, address, and phone number of the agency that provided the
information.
You have the right to know what is in your file.
You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be
required to provide proper identification, which may include your Social Security Number. In many cases, the disclosure will be free. You are
entitled to a free file disclosure if:
a person has taken adverse action against you because of information in your credit report;
you are the victim of identity theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;

you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from
nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.
You have the right to ask for a credit score.
Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score
from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it.
In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information.
If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must
investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting
agency may continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information.
In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are
more than 10 years old.
Access to your file is limited.
A consumer reporting agency may provide information about you only to people with a valid need - usually to consider an application with a
creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers.
A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent
given to the employer. Written consent generally is not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore
You may limit "prescreened" offers of credit and insurance you get based on information in your credit report.
Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your
name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-567-8688
(888-5OPTOUT).
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
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights
under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For
information about your federal rights, contact:
TYPE OF BUSINESS:
CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of Bureau of Consumer Financial Protection
over $10 billion and their affiliates.
1700 G Street, N.W.
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit
Federal Trade Commission
unions also should list, in addition to the CFPB:
Consumer Response Center - FCRA
Washington, DC 20580
1-877-382-4357
Office of the Comptroller of the Currency
2. To the extent not included in item 1 above:
Assistance Group
a. National banks, federal savings associations, and federal branches Customer
1301 McKinney Street, Suite 3450
and federal agencies of foreign banks
Houston, TX 77010-9050
b. State member banks, branches and agencies of foreign banks
Federal Reserve Consumer Help (FRCH)
(other than federal branches, federal agencies, and insured state
PO Box 1200
branches of foreign banks), commercial lending companies owned or Minneapolis, MN 55480
controlled by foreign banks, and organizations operating under section

25 or 25A of the Federal Reserve Act


c. Nonmember Insured Banks, Insured State Branches of Foreign
Banks, and Insured state savings associations
d. Federal credit unions

3. Air carriers

4. Creditors Subject to Surface Transportation Board

5. Creditors subject to Packers and Stockyards Act, 1921


6. Small Business Investment Companies

7. Brokers and Dealers


8. Federal Land Banks, Federal Land Bank Associations, Federal
Intermediate Credit Banks, and Production Credit Associations
9. Retailers, Finance Companies, and All Other Creditors Not Listed
Above

FDIC Consumer Response Center


1100 Walnut Street, Box #11
Kansas City, MO 64106
National Credit Union Administration
Office of Consumer Protection (OCP)
Division of Consumer Compliance and Outreach (DCCO)
1775 Duke Street
Alexandria, VA 22314
Asst. General Counsel for Aviation Enforcement & Proceedings
Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, S.E.
Washington, DC 20590
1-202-366-1306
Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Washington, DC 20423
Nearest Packers and Stockyards Administration area supervisor
Associate Deputy Administrator for Capital Access
United States Small Business Administration
409 Third Street, SW, 8th Floor
Washington, DC 20416
Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
FTC Regional Office for region in which the creditor operates or
Federal Trade Commission: Consumer Response Center-FCRA
Washington, DC 20580
1-877-382-4357