experian - report summary

8/9/2014 Experian - Report Summary

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 1/24

Experian credit report prepared forJOHN J HAYESReport date: August 09, 2014Your report number is

1586-1011-65

Your Credit Report:

Potentially negative items

Accounts in good standing

Requests for your credit history

Personal information

Important message from Experian

Contact us

Know your rights

Online Personal Credit Report

What if I want to dispute an item in my report?

Review each section of your credit report. Visit experian.com/disputes to start or check the status of your

dispute.

Report Summary:

There are 1 potentially negative items in your report.

You have 14 accounts in good standing in your report.

Experian collects and organizes information about you and your credit history from public records, your creditorsand other reliable sources. By law, we cannot disclose certain medical information (relating to physical, mental, orbehavioral health or condition). Although we do not generally collect such information, it could appear in the nameof a data furnisher (i.e., "Cancer Center") that reports your payment history to us. If so, those names display in yourreport, but in reports to others they display only as "Medical Information Provider." Consumer statements includedon your report at your request that contain medical information are disclosed to others.



Contact us

Need to view your report online again?

You can view this report online at experian.com/view

See incorrect information on your report?

If you have reviewed your credit report and you believe there are inaccuracies, the fastest way to resolve theerrors is to dispute online.

Dispute this report online at experian.com/disputereport

Already requested a dispute?

See the status of your dispute at experian.com/checkstatus

You may also contact us by mail at:NCACP.O. Box 9701Allen, TX 75013For more information about disputing by mail, visit experian.com/disputebymail

Or, by phone at:1 800 493 1058Monday through Friday, 9 am to 5 pm in your time zone.

You may also submit additional relevant information or supporting documentation for your disputeselectronically at experian.com/upload

Be advised that written information or documents you provide with respect to your disputes may beshared with any and all creditors with which you are disputing.

Potentially Negative Items or items for further review

This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed

payments and most public record items may remain on the credit report for up to seven years, except Chapters 7, 11 and

12 bankruptcies and unpaid tax liens, w hich may remain for up to 10 years. A paid tax lien may remain for up to seven

years. Transferred accounts that have not been past due remain up to 10 years after the date the account w as

transferred.

Public Records

Credit grantors may carefully review the items listed below when they check your credit history. Please notethat the account information connected with some public records, such as bankruptcy, also may appear withyour credit items listed later in this report.

CHAMPAIGN LAW MAGISTRATE

Address: Identification Judgment in favor of:



OK Current/Terms of agreement met

30 Account 30 days past due






CRD Creditor received deed

FS Foreclosure proceedings started

F Foreclosed

VS Voluntarily surrendered

R Repossession

PBC Paid by creditor

IC Insurance claim

G Claim filed w ith government

D Defaulted on contract

C Collection

CO Charge off

CLS Closed

ND No data for this time period

Payment history legend

101 E MAIN ST

URBANA , IL 61801

No phone number

available

Number: 10SC930

TODD THORSTENSON.

Address Identification Number:0128809744

Status: Civil claim judgment. Status Details: This item is scheduled to continue on record until Aug2017.

This item remained unchanged from our processing of your dispute in

Nov 2012.

Date Filed:08/05/2010

Date Resolved:NA

Responsibility:Individual

Claim Amount:$1,200

Liability Amount:NA

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.

AMERICAN EXPRESS

Address: PO BOX 981537

EL PASO, TX 79998

(800) 874-2717

Account Number:3499921028847133


Status: Open/Never late. Date Opened:02/2014

Reported Since:02/2014

Date of Status:07/2014

Last Reported:07/2014

Type:Credit card

Terms:NA

Monthly Payment:$0


Credit Limit/Original Amount:$4,500

High Balance:$4,346

Recent Balance:$4,346 as of 07/2014

Recent Payment:$0

Payment History:



2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

2014

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2012

DEC

OK

NOV

OK

OCT

OK

SEP

OK

Balance History - The following data will appear in the following format:account balance / date payment received / scheduled payment amount / actual amount paid

Jun 2014: $3,685 / no data / Unknow n / no data

May 2014: $2,792 / no data / Unknow n / no data

Apr 2014: $1,873 / no data / Unknow n / no data

Mar 2014: $658 / no data / Unknow n / no data

Betw een Mar 2014 and Jun 2014, your credit limit/high balance w as $4,500

CHASE BANK USA


WILMINGTON, DE 19850

(800) 955-9900

Account Number:426684129888....


Status: Open/Never late. Date Opened:07/2012




Type:Credit card

Terms:NA

Monthly Payment:$25



High Balance:$676

Recent Balance:$676 as of 08/2014

Recent Payment:$0

Payment History:


Jul 2014: $549 / July 1, 2014 / $25 / no data

Jun 2014: $556 / June 1, 2014 / $25 / no data

May 2014: $181 / May 1, 2014 / $25 / no data

Apr 2014: $14 / February 5, 2014 / $14 / no data

Mar 2014: $0 / February 5, 2014 / $25 / no data

Feb 2014: $0 / February 5, 2014 / $25 / $25

Jan 2014: $106 / January 1, 2014 / $25 / $98

Dec 2013: $98 / December 1, 2013 / $25 / $101

Nov 2013: $101 / November 1, 2013 / $25 / $152

Oct 2013: $152 / October 1, 2013 / $25 / $106

Sep 2013: $106 / September 1, 2013 / $25 / $212

Aug 2013: $83 / July 29, 2013 / $25 / $250

Jul 2013: $7 / June 27, 2013 / $7 / $272

Jun 2013: $43 / June 2, 2013 / $25 / $234

May 2013: $95 / April 23, 2013 / $25 / $7

Apr 2013: $7 / March 28, 2013 / $7 / $7

Mar 2013: $7 / February 1, 2013 / $7 / no data



2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

ND

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2012

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2011

DEC

ND

NOV

ND

OCT

ND

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2010

DEC

ND

NOV

OK

OCT

OK

SEP

OK

Feb 2013: $0 / February 1, 2013 / $25 / $319

Jan 2013: $140 / January 4, 2013 / $25 / $79

Dec 2012: $0 / December 4, 2012 / $25 / $299

Nov 2012: $35 / October 30, 2012 / $25 / $131

Oct 2012: $22 / October 1, 2012 / $22 / $202

Sep 2012: $129 / August 21, 2012 / $25 / $7

Betw een Mar 2013 and Jul 2014, your credit limit/high balance w as $600

Betw een Sep 2012 and Feb 2013, your credit limit/high balance w as $300

DEPT OF EDUCATION/NELNET

Address: 121 S 13TH ST

LINCOLN, NE 68508

No phone number available



Status: Open/Never late. Deferred, payments begin Dec 2014. Date Opened:09/2010




Type:Education

Terms:120 Months

Monthly Payment:$36



High Balance:NA


Recent Payment:$0

Payment History:


Jun 2014: $3,500 / no data / $36 / no data

May 2014: $3,500 / no data / $36 / no data

Apr 2014: $3,500 / no data / $36 / no data

Mar 2014: $3,500 / no data / $36 / no data

Feb 2014: $3,500 / no data / $36 / no data

Dec 2013: $3,500 / no data / $36 / no data

Nov 2013: $3,500 / no data / $36 / no data

Oct 2013: $3,500 / no data / $36 / no data

Sep 2013: $3,500 / no data / $36 / no data

Aug 2013: $3,500 / no data / $36 / no data

Jul 2013: $3,500 / no data / $36 / no data






Jan 2013: $3,500 / no data / $36 / no data





2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

ND

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2012

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2011

DEC

ND

NOV

ND

OCT

ND

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2010

DEC

ND

NOV

OK

OCT

OK

SEP

OK




The original amount of this account w as $3,500



LINCOLN, NE 68508








Type:Education

Terms:120 Months

Monthly Payment:$94



High Balance:NA


Recent Payment:$0

Payment History:



























2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

ND

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2012

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2011

DEC

ND

NOV

ND

OCT

ND

SEP

OK



LINCOLN, NE 68508








Type:Education

Terms:120 Months

Monthly Payment:$44



High Balance:NA


Recent Payment:$0

Payment History:



























LINCOLN, NE 68508





2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

ND

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2012

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2011

DEC

ND

NOV

ND

OCT

ND

SEP

OK






Type:Education

Terms:120 Months

Monthly Payment:$47



High Balance:NA


Recent Payment:$0

Payment History:



























LINCOLN, NE 68508






Type:Education

Terms:120 Months


High Balance:NA



2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

ND

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2012

DEC

OK

NOV

OK

OCT

OK

SEP

OK

2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

ND

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

2012



Monthly Payment:$14



Recent Payment:$0

Payment History:


























LINCOLN, NE 68508








Type:Education

Terms:120 Months

Monthly Payment:$35



High Balance:NA


Recent Payment:$0

Payment History:



JAN

OK

DEC

OK

NOV

OK

OCT

OK

SEP

OK

2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

ND

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2012

DEC

OK

NOV

OK

OCT

OK

SEP

OK


























LINCOLN, NE 68508








Type:Education

Terms:120 Months

Monthly Payment:$22



High Balance:NA


Recent Payment:$0

Payment History:





2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

ND

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2012

DEC

OK

NOV

OK

OCT

OK

SEP

OK
























LINCOLN, NE 68508








Type:Education

Terms:120 Months

Monthly Payment:$4



High Balance:NA


Recent Payment:$0

Payment History:
















2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

ND

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK





Jan 2013: $500 / no data / $4 / no data

Dec 2012: $500 / no data / $4 / no data

Nov 2012: $500 / no data / $4 / no data

Oct 2012: $500 / no data / $4 / no data

Sep 2012: $500 / no data / $4 / no data




LINCOLN, NE 68508








Type:Education

Terms:120 Months

Monthly Payment:$50



High Balance:NA


Recent Payment:$0

Payment History:














LINCOLN, NE 68508




2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

ND

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK

2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

ND

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK



Status: Open/Never late. Deferred, payments begin Dec 2014.

Date Opened:09/2013




Type:Education

Terms:120 Months

Monthly Payment:$14



High Balance:NA


Recent Payment:$0

Payment History:














LINCOLN, NE 68508








Type:Education

Terms:120 Months

Monthly Payment:$35



High Balance:NA


Recent Payment:$0

Payment History:








2014

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2013

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2012

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2011

DEC

OK

NOV

OK

OCT

OK

SEP

OK

AUG

OK

JUL

OK

JUN

OK

MAY

OK

APR

OK

MAR

OK

FEB

OK

JAN

OK

2010

DEC

OK

NOV

OK

OCT

OK

SEP

OK







LOYOLA UNIV OF CHICAGO

Address: 6525 N SHERIDAN RD

CHICAGO, IL 60626


Account Number:LU999998197PE....


Status: Open/Never late. Deferred, payment date not reported Date Opened:09/2010




Type:Education

Terms:NA

Monthly Payment:$0



High Balance:NA


Recent Payment:$0

Payment History:





Mar 2014: $10,000 / no data / Unknow n / no data

Feb 2014: $10,000 / no data / Unknow n / no data

Jan 2014: $10,000 / no data / Unknow n / no data

Dec 2013: $9,500 / no data / Unknow n / no data

Nov 2013: $9,500 / no data / Unknow n / no data

Oct 2013: $9,500 / no data / Unknow n / no data

Sep 2013: $9,500 / no data / Unknow n / no data

Aug 2013: $9,000 / no data / Unknow n / no data

Jul 2013: $9,000 / no data / Unknow n / no data




Mar 2013: $7,000 / no data / Unknow n / no data

Feb 2013: $7,000 / no data / Unknow n / no data

Jan 2013: $7,000 / no data / Unknow n / no data

Dec 2012: $6,500 / no data / Unknow n / no data

Nov 2012: $6,500 / no data / Unknow n / no data



Oct 2012: $6,500 / no data / Unknow n / no data

Sep 2012: $6,500 / no data / Unknow n / no data

Aug 2012: $6,000 / no data / Unknow n / no data


Record of Requests for Your Credit History

Inquiries Shared With Others

We make your credit history available to your current and prospective creditors and employers as allow ed by law .

Experian may list these inquiries for up to tw o years.

The section below lists all of the companies that have requested your credit history as a result of action you took, such as

applying for credit or f inancing or as a result of a collection. The inquiries in this section are shared w ith companies that

receive your credit history.

AMERICAN EXPRESS


SALT LAKE CITY UT 84131

(800) 874-2717

Date of Request: 02/13/2014


Comments:Unspecif ied. This inquiry is scheduled to continue on record until Mar 2016.

Inquiries Shared Only With You

You may not have initiated the follow ing inquiries, so you may not recognize each source. We report these requests to

you only as a record of activities, and w e do not include any of these requests on credit reports to others.

We offer credit information about you to those w ith a permissible purpose, for example to:

other creditors w ho w ant to offer you preapproved credit;

an employer w ho w ishes to extend an offer of employment;

a potential investor in assessing the risk of a current obligation;

Experian Consumer Assistance to process a report for you;

your current creditors to monitor your accounts (date listed may reflect only the most recent request);

an end user to complete your mortgage loan application.

These inquiries do not affect your credit score.



CIC/EXPERIAN IDENTITY CH

Address: 535 ANTON BLVD STE 100

COSTA MESA CA 92626



CONSUMERINFO.COM


COSTA MESA CA 92626



ALLIANCE DATA

Address: 220 W SCHROCK RD

WESTERVILLE OH 43081



AMERICAN EXPRESS 2


EL PASO TX 79998

(800) 874-2717


AMEX


EL PASO TX 79998



AMERICAN EXPRESS CO


EL PASO TX 79998

(800) 874-2717




CHASE


WILMINGTON DE 19850

(800) 955-9900


FADV/EMPLOYMENT

Address: 140 FOUNTAIN PKWY N STE 410

ST PETERSBURG FL 33716



Comments:On behalf of WEST MONROE PARTNERS LLC for 30

FIRST ADVANTAGE/EMPLOYMENT

Address: 140 FOUNTAIN PKWY N STE 410

ST PETERSBURG FL 33716

(727) 290-1000


Comments:On behalf of WEST MONROE PARTNERS LLC for 30

CREDIT ONE BANK


LAS VEGAS NV 89193

(702) 269-1000


BK OF AMER

Address: 201 E WASHINGTON ST

PHOENIX AZ 85004



BK OF AMER


TAMPA FL 33622

(800) 432-1000




CHASE CARD SERVICES

Address: 201 N WALNUT ST # DE1-1027

WILMINGTON DE 19801

(800) 955-9900


CHASE CARD SERVICES

Address:



CREDCO/ONETECHNOLOGIES

Address: 1500 NW BETHANY BLVD STE 370

BEAVERTON OR 97006

(800) 523-0233


CIC/EXPERIAN IDENTITY CH


COSTA MESA CA 92626



CONSUMERINFO.COM INC


COSTA MESA CA 92626



EXPERIAN


ALLEN TX 75013





RCN TELECOM

Address: 100 BALTIMORE DR

WILKES BARRE PA 18702



R C N TELECOM




Date of Request: 08/21/2012, 08/20/2012

R C N TELECOM

Address:



R C N TELECOM





Personal Information

The following information is reported to us by you, your creditors and other sources. Each source may reportyour personal info differently, which may result in variations of your name, address, Social Security number,etc. As part of our fraud prevention efforts, a notice with additional information may appear. As a securityprecaution, we did not list the Social Security number that you provided when you contacted us. If any SocialSecurity number variations were reported to us, only the last four digits of each are displayed. Numbers thatappear here vary from the number you used to generate this report. Actual differences in these numbers maybe part of the displayed portion or part of the hidden portion. The names are listed in no particular order andmay include variations of your legal name. The Name identification number is how our system identifies thenames associated with respective accounts on your credit report. These addresses are listed in noparticular order and may include previous addresses where you received mail. The Address identificationnumber is how our system identifies the address. The Geographical Code shown with each addressidentifies the state, county, census tract, block group and Metropolitan Statistical Area associated with eachaddress.

Names:



Get Your Experian Credit Score back to top

Your free annual credit report does not include your credit score. A credit score is an additional offer that canbe purchased. Along with knowing your Experian credit score you will learn what factors positively ornegatively impact your credit risk and more.

Visit www.experian.com/score to get your Experian credit score.

JOHN J HAYES

Name identification number: 1328

JOHN J HAYES Jr.


JOHN JOSEPH HAYES Jr.


JOHN JOESPH HAYES Jr.


JOHN HAYES


JACK HAYES


Social Security number variations:

XXXXX8197

Year of birth:

1991

Telephone numbers:

(217) 359-9999 Residential

(217) 377-7479 Cellular

(217) 979-3522 Cellular

Address: 1241 W LOYOLA AVE APT110 CHICAGO, IL 60626-5166

Address identification number: 0126532350

Type of Residence: Apartment complex

Geographical Code: 0-1050010-31-1600

Address: 2202 BYRNEBRUK DR CHAMPAIGN, IL 61822-9768


Type of Residence: Single family


Address: 1241 W LOYOLA AVE CHICAGO, IL 60626-5193


Type of Residence: Multifamily


Notices:

This address has pertained to a business: 2202 BYRNEBRUK DR CHAMPAIGN IL 61822 .

FINANCE-INSUR.-REAL EST. SRVC.: 2202 BYRNEBRUK DR, CHAMPAIGN, IL, 61822 .

Important Message From Experian



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

Know your rights

FCRA Rights

Para informacion en espaol, visite www.consumerfinance.gov/learnmore o escribe a la ConsumerFinancial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552.

A Summary of Your Rights under the Fair Credit Reporting Act

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

You must be told if information in your file has been used against you. Anyone who uses acredit report or another type of consumer report to deny your application for credit, insurance, oremployment or to take another adverse action against you must tell you, and must give youthe 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 informationabout you in the files of a consumer reporting agency (your "file disclosure"). You will berequired to provide proper identification, which may include your Social Security number. Inmany 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 creditreport;you are the victim of identify 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.

All consumers are entitled to one free disclosure every 12 months upon request from eachnationwide credit bureau and from nationwide specialty consumer reporting agencies. Seewww.consumerfinance.gov/learnmore for additional information.You have the right to ask for a credit score. Credit scores are numerical summaries of yourcredit-worthiness based on information from credit bureaus. You may request a credit scorefrom consumer reporting agencies that create scores or distribute scores used in residentialreal property loans, but you will have to pay for it. In some mortgage transactions, you willreceive credit score information for free from the mortgage lender.You have the right to dispute incomplete or inaccurate information. If you identify informationin your file that is incomplete or inaccurate, and report it to the consumer reporting agency, theagency must investigate unless your dispute is frivolous. Seewww.consumerfinance.gov/learnmore for an explanation of dispute procedures.Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiableinformation. Inaccurate, incomplete or unverifiable information must be removed or corrected,usually within 30 days. However, a consumer reporting agency may continue to reportinformation 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 yearsold, or bankruptcies that are more than 10 years old.Access to your file is limited. A consumer reporting agency may provide information about youonly 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 reportingagency may not give out information about you to your employer, or a potential employer, withoutyour written consent given to the employer. Written consent generally is not required in thetrucking industry. For more information, go to www.consumerfinance.gov/learnmore.You may limit "prescreened" offers of credit and insurance you get based on information inyour 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 liststhese offers are based on. You may opt-out with the nationwide credit bureaus at1 888 5OPTOUT (1 888 567 8688).You may seek damages from violators. If a consumer reporting agency, or, in some cases, auser of consumer reports or a furnisher of information to a consumer reporting agency violatesthe FCRA, you may be able to sue in state or federal court.Identity theft victims and active duty military personnel have additional rights. For moreinformation, visit www.consumerfinance.gov/learnmore.

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

Type of Business: Contact:

1.a. Banks, savings associations, and credit unions w ith total assets of

over $10 billion and their aff iliates.

b. Such aff iliates that are not banks, savings associations, or credit

unions also should list in addition to the Bureau:

a. Bureau of Consumer

Financial Protection

1700 G Street NW

Washington, DC 20552

b. Federal Trade Commission:

Consumer Response Center -

FCRA Washington, DC 20580

(877) 382-4357

2. To the extent not included in item 1 above:

a. National banks, federal savings associations, and federal branches and

federal agencies of foreign banks

b. State member banks, branches and agencies of foreign banks (other

than federal branches, federal agencies, and insured state branches of

foreign banks), commercial lending companies ow ned or 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

a. Off ice of the Comptroller of

the Currency

Customer Assistance Group

1301 McKinney Street, Suite

3450

Houston, TX 77010-9050

b. Federal Reserve Consumer

Help Center

PO Box 1200

Minneapolis, MN 55480

c. FDIC Consumer Response

Center

1100 Walnut Street, Box #11

Kansas City, MO 64106

d. National Credit Union

Administration

Office of Consumer

Protection (OCP)

Division of Consumer

Compliance and Outreach

(DCCO)



1775 Duke Street

Alexandria, VA 22314

3. Air carriers Asst. General Counsel for

Aviation Enforcement &

Proceedings

Aviation Consumer Protection

Division

Department of Transportation

1200 New Jersey Avenue SE


4. Creditors Subject to Surface Transportation Board Office of Proceedings,

Surface Transportation Board

Department of Transportation

395 E Street, SW


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

Stockyards Administration

area supervisor

6. Small Business Investment Companies Associate Deputy

Administrator for Capital

Access

United States Small Business

Administration

409 Third Street, SW, 8th

Floor


7. Brokers and Dealers Securities and Exchange

Commission

100 F St NE


8. Federal Land Banks, Federal Land Bank Associations, Federal

Intermediate Credit Banks, and Production Credit Associations

Farm Credit Administration

1501 Farm Credit Drive

McLean, VA 22102-5090

9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Off ice for

region in w hich the creditor

operates or Federal Trade

Commission: Consumer

Response Center - FCRA


(877) 382-4357

States Rights

Notif ication of rights for Alabama consumers

Notif ication of rights for Alaska consumers

Notif ication of rights for Arkansas consumers

Notif ication of rights for California consumers

California notice of your rights to request and obtain your credit score

Notif ication of rights for Colorado consumers

Notif ication of rights for Connecticut consumers

Notif ication of rights for Delaw are consumers

Notif ication of rights for District of Columbia consumers

Notif ication of rights for Florida consumers

Notif ication of rights for Georgia consumers

Notif ication of rights for Indiana consumers



Notif ication of rights for Maryland consumers

Notif ication of rights for Massachusetts consumers

Notif ication of rights for Missouri consumers

Notif ication of rights for Montana consumers

Notif ication of rights for Nevada consumers

Notif ication of rights for New Hampshire consumers

Notif ication of rights for New Jersey consumers

Notif ication of rights for New Mexico consumers

Notif ication of rights for New York consumers

Notif ication of rights for North Carolina consumers

Notif ication of rights for North Dakota consumers

Notif ication of rights for Ohio consumers

Notif ication of rights for Oklahoma consumers

Notif ication of rights for Rhode Island consumers

Notif ication of rights for Tennessee consumers

Notif ication of rights for Texas consumers

Notif ication of rights for Vermont consumers

Notif ication of rights for Virginia consumers

Notif ication of rights for Washington consumers

Notif ication of rights for West Virginia consumers

Notif ication of rights for Wisconsin consumers

experian - report summary

Documents

experian report summaryhttps

account information

report number is1586

reviewthis information

written information

withyour credit items

certain medical information

medical information