Creditreport 1597869732925 PDF

CREDIT REPORT
JENNIFER BARNES
Report Confirmation
0732839070
Dear JENNIFER BARNES:
Thank you for requesting your Equifax credit report. Your credit report contains information received primarily from companies which
have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater
accuracy by reviewing all of the enclosed material carefully.
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ordering system at: 1-877-SCORE-11.
JENNIFER BARNES | Aug 19, 2020 Page 2 of 134

1. Summary
Review this summary for a quick view of key information contained in your Equifax Credit Report.
Report Date Aug 19, 2020
Credit File Status No fraud indicator on file
Alert Contacts 0 Records Found
Average Account Age 11 Years, 1 Month
Length of Credit History 26 Years, 8 Months
Accounts with Negative Information 3
Oldest Account COMENITYBANK/KAYJEWELERS (Opened Dec 18, 1993)
Most Recent Account COMENITY BANK/PTTRYBRN (Opened Jul 30, 2019)
Credit Accounts
Your credit report includes information about activity on your credit accounts that may affect your credit score and rating.
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment
Revolving 24 23 $86,707 $13,633 $100,340 86.0% $3,227
Mortgage 0 0
Installment 1 1 $2,340 $4,330 $6,670 35.0% $205
Other
Total 25 24 $89,047 $17,963 $107,010 83.0% $3,432
Other Items
Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may
affect your credit score and rating.
Consumer Statements 1 Statements Found
Personal Information 11 Items Found
Inquiries 24 Inquiries Found
Most Recent Inquiry COMENITY BANK/VCTRSSECAug 09, 2020
Public Records 0 Records Found
Collections 0 Collections Found

2. Revolving Accounts
Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards.
2.1 BESTBUY/CBNA
Summary
Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.
Account Number Reported Balance $1,758
Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 98%
Available Credit $1,800
Account History
The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.
Balance
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2018 $1,063 $1,096 $1,085 $1,162 $1,105
2019 $1,211 $1,112 $1,004 $1,055 $1,021 $1,333 $1,675 $1,727 $1,769 $1,798 $1,756 $1,729
2020 $1,823 $1,706 $1,702 $1,679 $1,708 $1,678 $1,769
Available Credit
2018
2019
2020
Scheduled Payment
2018 $34 $61 $73 $34 $34
2019 $36 $33 $66 $72 $34 $34 $52 $52 $54 $55 $51 $53
2020 $54 $50 $53 $49 $51 $49 $51

Actual Payment
2018
2019
2020
High Credit
2018 $1,233 $1,233 $1,233 $1,233 $1,233
2019 $1,255 $1,255 $1,255 $1,255 $1,255 $1,333 $1,746 $1,792 $1,792 $1,831 $1,831 $1,831
2020 $1,831 $1,831 $1,831 $1,831 $1,831 $1,831 $1,831
Credit Limit
2018 $1,200 $1,200 $1,200 $1,200 $1,200
2019 $1,200 $1,200 $1,200 $1,200 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800
2020 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a
payment was past due; the letters indicate other account events, such as bankruptcy or collections.

2020
2019
2018
2017
2016
2015
2014
2013
Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available
Account Details
View detailed information about this account. Contact the creditor or lender if you have any questions about it.
High Credit $1,831 Owner INDIVIDUAL
Credit Limit $1,800 Account Type REVOLVING
Terms Frequency MONTHLY Term Duration 0
Balance $1,758 Date Opened Dec 05, 2009
Amount Past Due Date Reported Aug 18, 2020
Actual Payment Amount Date of Last Payment Aug 01, 2020
Date of Last Activity Scheduled Payment Amount $51
Months Reviewed 82 Delinquency First Reported
Activity Designator Creditor Classification UNKNOWN
Deferred Payment Start Date Charge Off Amount
Balloon Payment Date Balloon Payment Amount
Loan Type Credit Card Date Closed
Date of First Delinquency

Comments Contact
BESTBUY/CBNA
PO BOX 6497
SIOUX FALLS, SD 57117

2.2 SYNCB/LOWES
Summary
Account History
Balance
2018 $8,218 $8,190 $8,078 $7,945 $7,998
2019 $8,045 $8,317 $8,310 $8,333 $8,213 $8,664 $8,555 $7,869 $8,127
2020 $7,451 $7,692 $7,757 $7,631 $7,636
Available Credit
2018
2019
2020
Scheduled Payment
2018 $274 $265 $269 $298 $305
2019 $246 $265 $275 $270 $312 $309 $328 $306 $293
2020 $246 $245 $298 $249 $256
Actual Payment

2018 $365 $300 $300 $350
2019 $675 $350 $350 $350 $350 $350 $913
2020 $847 $246 $375 $298 $400
High Credit
2018 $8,622 $8,622 $8,622 $8,622 $8,622
2019 $8,622 $8,622 $8,622 $8,622 $8,622 $8,664 $8,664 $8,664 $8,664
2020 $8,664 $8,664 $8,664 $8,664 $8,664
Credit Limit
2018 $8,200 $8,200 $8,200 $8,200 $8,200
2019 $8,200 $8,200 $8,200 $8,200 $8,200 $8,200 $8,200 $8,200 $7,930
2020 $7,930 $7,930 $7,930 $7,930 $7,930
Amount Past Due
2018
2019 $626 $585 $554
2020
Activity Designator
2018
2019
2020
Payment History
2020 30

2019 30 30
2018 30
2017
2016
2015
2014
2013
Account Details
Balance $7,694 Date Opened Apr 09, 1998
Actual Payment Amount $300 Date of Last Payment Aug 01, 2020
Loan Type Charge Account Date Closed
Comments Contact
SYNCB/LOWES
4125 WINDWARD PLAZA
ALPHARETTA, GA 30005

2.3 CREDIT ONE BANK
Summary
Account History
Balance
2018 $1,714 $1,543 $1,582 $1,667 $1,742
2019 $1,730 $1,635 $1,602 $1,708 $1,594 $1,635 $1,818 $1,771 $1,816 $1,771 $1,735
2020 $1,563 $1,617 $1,568 $1,602 $1,579 $1,516
Available Credit
2018
2019
2020
Scheduled Payment
2018 $86 $78 $80 $84 $88
2019 $87 $82 $81 $86 $80 $82 $91 $89 $91 $89 $87
2020 $79 $81 $79 $81 $79 $76
Actual Payment

2018 $175 $375 $150 $150 $150
2019 $150 $175 $175 $175 $175 $175 $175 $150 $150
2020 $275 $150 $150 $150 $150 $150
High Credit
2018 $1,743 $1,743 $1,743 $1,743 $1,743
2019 $1,743 $1,765 $1,765 $1,765 $1,765 $1,765 $1,818 $1,818 $1,818 $1,818 $1,818
2020 $1,818 $1,818 $1,818 $1,818 $1,818 $1,516
Credit Limit
2018 $1,700 $1,700 $1,700 $1,700 $1,700
2019 $1,700 $1,700 $1,700 $1,700 $1,700 $1,700 $1,700 $1,700 $1,700 $1,700 $1,700
2020 $1,700 $1,700 $1,700 $1,700 $1,700 $1,700
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
Account Details
Balance $1,677 Date Opened Feb 09, 2014
Comments Contact
CREDIT ONE BANK

6801 S. CIMARRON ROAD
LAS VEGAS, NV 89113
1-877-825-3242

2.4 SYNCB/QVC
Summary
Account History
Balance
2018 $1,802 $1,749 $1,443 $1,347 $1,296
2019 $1,452 $1,459 $1,742 $2,155 $2,700 $2,595 $2,598 $2,556 $2,514
2020 $2,577 $2,506 $2,428 $2,400 $2,373 $2,347 $2,324
Available Credit
2018
2019
2020
Scheduled Payment
2018 $58 $56 $50 $74 $44
2019 $49 $47 $55 $68 $88 $92 $87 $84 $84
2020 $85 $81 $83 $79 $77 $75 $76
Actual Payment

2018 $185 $200 $400 $200 $125
2019 $125 $325 $175 $200 $225 $175 $525 $100 $100
2020 $84 $100 $100 $83 $79 $77 $75
High Credit
2018 $2,207 $2,207 $2,207 $2,207 $2,207
2019 $2,207 $2,207 $2,207 $2,207 $2,700 $2,700 $2,700 $2,700 $2,700
2020 $2,700 $2,700 $2,700 $2,700 $2,700 $2,700 $2,700
Credit Limit
2018 $1,500 $1,500 $1,500 $1,500 $1,500
2019 $1,500 $1,500 $1,500 $2,200 $2,200 $2,200 $2,200 $2,200 $2,200
2020 $2,200 $2,200 $2,200 $2,200 $2,200 $2,200 $2,200
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
2013
Account Details
Comments Contact
SYNCB/QVC
4125 WINDWARD PLAZA

2.5 CREDIT ONE BANK
Summary
Account History
Balance
2018 $1,440 $1,499 $1,375 $1,346 $1,458
2019 $1,558 $1,510 $1,345 $1,529 $1,531 $1,565 $1,509 $1,506 $1,486 $1,508
2020 $1,518 $1,379 $1,396 $1,341 $1,415 $1,414
Available Credit
2018
2019
2020
Scheduled Payment
2018 $73 $75 $69 $68 $73
2019 $78 $76 $68 $77 $77 $79 $76 $76 $75 $76
2020 $76 $69 $70 $68 $71 $71
Actual Payment

2018 $175 $150 $300 $150 $150
2019 $175 $375 $175 $175 $175 $125 $150
2020 $100 $325 $150 $150 $150 $150
High Credit
2018 $1,529 $1,529 $1,529 $1,529 $1,529
2019 $1,558 $1,558 $1,558 $1,558 $1,558 $1,565 $1,565 $1,565 $1,565 $1,565
2020 $1,565 $1,565 $1,565 $1,565 $1,565 $1,414
Credit Limit
2018 $1,500 $1,500 $1,500 $1,500 $1,500
2019 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500
2020 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
Account Details
Comments Contact
CREDIT ONE BANK

6801 S. CIMARRON ROAD
LAS VEGAS, NV 89113
1-877-825-3242

2.6 SYNCB/SAMS CLUB
Summary
Account History
Balance
2018 $2,943 $2,879 $2,922
2019 $2,881 $2,949 $2,879 $2,658 $4,233 $4,173 $4,077 $4,012 $3,945
2020 $3,855 $3,961 $3,989 $3,939 $3,893 $4,005
Available Credit
2018
2019
2020
Scheduled Payment
2018 $89 $90 $92
2019 $89 $87 $89 $90 $134 $132 $125 $126 $123
2020 $115 $122 $117 $120 $114 $118
Actual Payment

2018 $100 $125 $89
2019 $100 $100 $95 $589 $135 $150 $135 $150 $150
2020 $125 $115 $122 $130 $120 $120
High Credit
2018 $3,699 $3,699 $3,699
2019 $3,699 $3,699 $3,699 $3,699 $4,277 $4,277 $4,277 $4,277 $4,277
2020 $4,277 $4,277 $4,277 $4,277 $4,277 $4,277
Credit Limit
2018 $2,700 $2,700 $2,700
2019 $2,700 $2,700 $2,700 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000
2020 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
2013
Account Details
Balance $4,072 Date Opened Sep 18, 2003
Comments Contact
SYNCB/SAMS CLUB
4125 WINDWARD PLAZA

2.7 WF/DILLARDS
Summary
Account History
Balance
2018 $4,693 $4,695 $5,285 $6,096 $6,129
2019 $5,947 $5,591 $5,405 $5,220 $5,030 $4,635 $4,431 $5,336 $5,822 $6,290
2020 $6,141 $5,967 $5,786 $5,598 $5,402 $5,203
Available Credit
2018
2019
2020
Scheduled Payment
2018 $140 $147 $152 $183 $190
2019 $178 $174 $168 $167 $161 $145 $141 $149 $178 $214
2020 $188 $186 $177 $168 $159 $153
Actual Payment

2018 $215 $200 $200 $200 $300
2019 $300 $300 $300 $300 $300 $300 $300 $300 $300 $160
2020 $275 $300 $300 $300 $300 $300
High Credit
2018 $5,284 $5,284 $5,285 $6,096 $6,129
2019 $6,129 $6,129 $6,129 $6,129 $6,129 $6,129 $6,129 $6,129 $6,129 $6,290
2020 $6,290 $6,290 $6,290 $6,290 $6,290 $6,290
Credit Limit
2018 $4,650 $4,650 $4,650 $4,650 $4,650
2019 $4,650 $4,650 $4,650 $4,650 $4,650 $4,650 $4,650 $4,650 $4,650 $4,650
2020 $4,650 $4,650 $4,650 $4,650 $4,650 $4,650
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
2013
Account Details
High Credit $6,290 Owner JOINT_CONTRACTUAL_LIABILITY
Balance $5,006 Date Opened Jun 01, 1997
Actual Payment Amount $300 Date of Last Payment Jul 01, 2020

Comments Contact
WF/DILLARDS
PO BOX 14517
CBS MAC F8235-01C
DES MOINES, IA 50306
1-866-762-4359

2.8 SYNCB/CARE CREDIT
Summary
Account History
Balance
2018 $7,102 $6,920 $7,126
2019 $6,829 $6,685 $6,785 $7,191 $7,145 $7,260 $7,221 $7,488 $7,314 $7,136 $7,000
2020 $6,896 $7,086 $7,086 $7,283 $7,500
Available Credit
2018
2019
2020
Scheduled Payment
2018 $231 $225 $236
2019 $237 $218 $221 $234 $251 $236 $259 $271 $238 $232 $235
2020 $251 $231 $265 $275 $244
Actual Payment

2018 $275 $300
2019 $465 $265 $265 $225 $225 $250 $225 $225 $325 $330 $300
2020 $250 $255 $225 $225 $372
High Credit
2018 $7,497 $7,497 $7,497
2019 $7,497 $7,497 $7,497 $7,497 $7,497 $7,497 $7,497 $7,517 $7,517 $7,517 $7,517
2020 $7,517 $7,517 $7,517 $7,517 $7,517
Credit Limit
2018 $7,520 $7,520 $7,520
2019 $7,520 $7,520 $7,520 $7,520 $7,520 $7,520 $7,520 $7,520 $7,520 $7,520 $7,520
2020 $7,520 $7,520 $7,520 $7,520 $7,520
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
Account Details
Balance $7,482 Date Opened Jan 26, 2014
Comments Contact
SYNCB/CARE CREDIT
C/O P.O. BOX 965036
ORLANDO, FL 32896-5036
1-866-396-8254

2.9 GFS/JARED GALLERIA OF JEWELRY
Summary
Account History
Balance
2018 $3,938 $3,054 $4,664 $4,342
2019 $3,894 $3,528 $2,793 $2,473 $2,128 $1,758 $1,408 $1,052 $692 $3,664
2020 $3,981 $4,611 $4,451 $4,289 $4,124 $4,456
Available Credit
2018
2019
2020
Scheduled Payment
2018 $317 $290 $396 $394
2019 $386 $382 $374 $372 $369 $237 $70 $53 $35 $143
2020 $167 $204 $202 $200 $197 $219
Actual Payment

2018 $300 $60 $920 $360
2019 $485 $400 $400 $350 $375 $375 $375 $375 $50
2020 $200 $225 $225 $225 $225 $225
High Credit
2018 $5,077 $5,077 $5,077 $5,077
2019 $5,077 $5,077 $5,077 $5,077 $5,077 $5,077 $5,077 $5,077 $5,077 $5,077
2020 $5,077 $5,077 $5,077 $5,077 $5,077 $5,077
Credit Limit
2018 $5,100 $5,100 $5,100 $5,100
2019 $5,100 $5,100 $5,100 $5,100 $5,100 $5,100 $5,100 $5,100 $5,100 $5,100
2020 $5,100 $5,100 $5,100 $5,100 $5,100 $5,100
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
Account Details
Comments Contact
GFS/JARED GALLERIA OF JEWELRY

PO BOX 4485
BEAVERTON, OR 97076
1-877-328-8334

2.10 COMENITY BANK/PTTRYBRN
Summary
Account Number Reported Balance $602
Account History
Balance
2018
2019 $568
2020 $686 $653 $618 $1,040 $956
Available Credit
2018
2019
2020
Scheduled Payment
2018
2019 $28
2020 $35 $35 $35 $52 $48
Actual Payment

2018
2019 $50
2020 $100 $50 $50 $50 $100
High Credit
2018
2019 $568
2020 $770 $770 $770 $1,070 $1,110
Credit Limit
2018
2019 $4,000
2020 $4,000 $4,000 $4,000 $4,000 $4,000
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
Account Details
Balance $602 Date Opened Jul 30, 2019
Comments Contact
COMENITY BANK/PTTRYBRN
PO BOX 182789
COLUMBUS, OH 43218

2.11 COMENITYBANK/KAYJEWELERS
Summary
Account History
Balance
2018 $4,954 $4,714 $4,429 $7,475 $7,222 $6,942
2019 $6,761 $6,423 $6,225 $6,037 $6,197 $5,579 $5,406 $5,240 $5,074 $5,091
2020 $5,366 $5,204 $5,047 $4,888 $4,737 $4,586
Available Credit
2018
2019
2020
Scheduled Payment
2018 $251 $240 $225 $380 $365 $350
2019 $345 $325 $315 $305 $315 $285 $275 $270 $260 $260
2020 $270 $265 $260 $250 $245 $240
Actual Payment

2018 $715 $325 $365 $365 $400 $425
2019 $350 $335 $325 $315 $290 $285 $275 $270 $260
2020 $260 $270 $265 $260 $250 $245
High Credit
2018 $7,210 $7,210 $7,210 $7,475 $7,475 $7,475
2019 $7,475 $7,475 $7,475 $7,475 $7,475 $7,475 $7,475 $7,475 $7,475 $7,475
2020 $7,475 $7,475 $7,475 $7,475 $7,475 $7,475
Credit Limit
2018 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600
2019 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600
2020 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
Account Details
Comments Contact
COMENITYBANK/KAYJEWELERS
PO BOX 182789
COLUMBUS, OH 43218

2.12 COMENITYBANK/KAYJEWELERS
Summary
Account History
Balance
2018 $3,836 $3,671 $3,548 $3,427 $3,308 $3,593
2019 $3,515 $3,340 $3,211 $3,116 $3,022 $2,918 $2,830 $2,830 $2,690 $5,448
2020 $5,207 $5,193 $4,916 $4,633 $4,354 $5,341
Available Credit
2018
2019
2020
Scheduled Payment
2018 $195 $190 $180 $175 $170 $185
2019 $185 $175 $165 $160 $155 $150 $145 $150 $140 $355
2020 $355 $355 $355 $350 $350 $400
Actual Payment

2018 $150 $195 $200 $200 $190 $200
2019 $185 $200 $200 $165 $160 $150 $150 $100 $200 $150
2020 $355 $355 $355 $355 $350 $350
High Credit
2018 $3,836 $3,836 $3,836 $4,448 $4,448 $4,448
2019 $4,448 $4,448 $4,448 $4,448 $4,448 $4,448 $4,448 $4,448 $4,448 $5,526
2020 $5,526 $5,526 $5,526 $5,526 $5,526 $5,611
Credit Limit
2018 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600
2019 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600
2020 $7,600 $7,600 $7,600 $7,600 $7,600 $7,600
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
2013
Account Details
Comments Contact
COMENITYBANK/KAYJEWELERS
PO BOX 182789
COLUMBUS, OH 43218

2.13 MACY'S/DSNB
Summary
Account History
Balance
2018 $1,215 $1,346 $1,295 $1,276
2019 $1,253 $1,688 $1,636 $1,626 $1,563 $1,692 $1,631 $1,567 $1,528
2020 $1,454 $1,426 $1,381 $1,345 $1,298 $1,250
Available Credit
2018
2019
2020
Scheduled Payment
2018 $39 $44 $42 $43
2019 $39 $53 $54 $82 $53 $52 $56 $51 $51
2020 $46 $47 $43 $43 $40 $40
Actual Payment

2018
2019
2020
High Credit
2018 $1,447 $1,447 $1,447 $1,447
2019 $1,447 $1,726 $1,726 $1,726 $1,726 $1,726 $1,726 $1,726 $1,726
2020 $1,726 $1,726 $1,726 $1,726 $1,726 $1,726
Credit Limit
2018 $1,200 $1,200 $1,200 $1,200
2019 $1,200 $1,200 $1,200 $1,200 $1,200 $1,200 $1,200 $1,200 $1,200
2020 $1,200 $1,200 $1,200 $1,200 $1,200 $1,200
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
Account Details
Balance $1,201 Date Opened Nov 17, 2014
Actual Payment Amount Date of Last Payment Aug 01, 2020
Comments Contact
MACY'S/DSNB
911 DUKE BLVD
MASON, OH 45040
1-800-243-6552

2.14 SYNCB/AMAZON PLCC
Summary
Account History
Balance
2018 $4,427 $4,260 $4,631 $4,354
2019 $3,841 $4,037 $4,603 $4,503 $4,420 $4,267 $4,095 $4,585 $4,394 $4,297 $4,140 $4,046
2020 $4,006 $4,024 $3,920 $3,907 $4,020 $4,041
Available Credit
2018
2019
2020
Scheduled Payment
2018 $144 $176 $188 $142
2019 $130 $173 $185 $147 $148 $140 $138 $212 $171 $175 $164 $161
2020 $156 $130 $161 $125 $167 $166
Actual Payment

2018 $300 $300 $375
2019 $625 $250 $200 $225 $250 $250 $300 $300 $300 $200 $250 $275
2020 $200 $200 $225 $225 $175 $200
High Credit
2018 $4,803 $4,803 $4,803 $4,803
2019 $4,803 $4,803 $4,803 $4,803 $4,803 $4,803 $4,803 $4,803 $4,803 $4,803 $4,803 $4,803
2020 $4,803 $4,803 $4,803 $4,803 $4,803 $4,803
Credit Limit
2018 $4,000 $4,000 $4,000 $4,000
2019 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000
2020 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
Account Details
Balance $3,870 Date Opened May 29, 2014
Comments Contact
SYNCB/AMAZON PLCC
4125 WINDWARD PLAZA

2.15 WELLS FARGO BANK NA
Summary
Available Credit $800
Account History
Balance
2018 $619 $533 $564 $731
2019 $596 $508 $655 $635 $638 $641 $655 $693 $637 $762 $730
2020 $698 $639 $673 $614 $553 $490
Available Credit
2018
2019
2020
Scheduled Payment
2018 $40 $40 $40 $51
2019 $40 $40 $60 $61 $60 $60 $61 $61 $60 $40 $40
2020 $40 $40 $40 $40 $40 $40
Actual Payment

2018 $200 $100 $250
2019 $150 $100 $175 $75 $50 $50 $40 $40 $110 $100 $50
2020 $50 $75 $75 $75 $75 $75
High Credit
2018 $709 $709 $709 $818
2019 $818 $818 $818 $818 $818 $818 $818 $818 $818 $818 $818
2020 $818 $818 $818 $818 $818 $818
Credit Limit
2018 $800 $800 $800 $800
2019 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800
2020 $800 $800 $800 $800 $800 $800
Amount Past Due
2018
2019 $64
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019 30
2018
Account Details
High Credit $818 Owner INDIVIDUAL
Credit Limit $800 Account Type REVOLVING
Balance $427 Date Opened Feb 04, 2018
Amount Past Due Date Reported Jul 28, 2020
Comments Contact
WELLS FARGO BANK NA

PO BOX 14517
CBS MAC F8235-01C
DES MOINES, IA 50306
1-866-762-4359

2.16 SYNCB/OLD NAVY
Summary
Account History
Balance
2018 $112 $371
2019 $217 $292 $393 $400 $522 $458 $368 $445 $405 $442 $377 $338
2020 $280 $480 $378 $356
Available Credit
2018
2019
2020
Scheduled Payment
2018 $25 $36
2019 $38 $38 $39 $39 $28 $28 $28 $28 $28 $28 $28 $40
2020 $39 $53 $53 $50
Actual Payment

2018 $50
2019 $150 $50 $75 $75 $75 $75 $100 $50 $50 $75 $75 $75
2020 $65 $150
High Credit
2018 $191 $371
2019 $371 $371 $393 $400 $522 $522 $522 $522 $522 $522 $522 $522
2020 $522 $522 $522 $522
Credit Limit
2018 $200 $300
2019 $300 $300 $450 $450 $450 $450 $450 $450 $450 $450 $450 $450
2020 $450 $450 $450 $450
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
Account Details
Comments Contact
SYNCB/OLD NAVY
4125 WINDWARD PLAZA

2.17 THD/CBNA
Summary
Account History
Balance
2018 $775 $677 $681
2019 $611 $575 $1,166 $1,056 $1,104 $1,046 $1,013 $955 $932 $878 $838 $782
2020 $715 $670 $635 $873 $818 $761 $779
Available Credit
2018
2019
2020
Scheduled Payment
2018 $27 $27 $27
2019 $27 $27 $27 $28 $30 $28 $27 $28 $31 $30 $29 $28
2020 $28 $28 $28 $28 $29 $28 $28
Actual Payment

2018
2019
2020
High Credit
2018 $836 $836 $836
2019 $836 $836 $1,166 $1,166 $1,184 $1,184 $1,184 $1,184 $1,184 $1,184 $1,184 $1,184
2020 $1,184 $1,184 $1,184 $1,184 $1,184 $1,184 $1,184
Credit Limit
2018 $800 $800 $800
2019 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800
2020 $800 $800 $800 $800 $800 $800 $800
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
Account Details
Balance $779 Date Opened Aug 14, 2014
Actual Payment Amount Date of Last Payment Jul 01, 2020
Comments Contact
THD/CBNA
ONE COURT SQUARE
LONG ISLAND CITY, NY 11120

2.18 KOHLS/CAPITAL ONE
Summary
Account History
Balance
2018 $196 $170 $332
2019 $329 $256 $221 $262 $227 $192 $156 $119 $109 $81 $52 $0
2020
Available Credit
2018
2019
2020
Scheduled Payment
2018 $27 $27 $35
2019 $46 $27 $27 $27 $27 $27 $27 $27 $30 $27 $27
2020
Actual Payment

2018 $50 $30
2019 $50 $80 $40 $40 $40 $40 $40 $40 $40 $30 $30
2020
High Credit
2018 $313 $313 $332
2019 $335 $335 $335 $335 $335 $335 $335 $335 $335 $335 $335 $335
2020
Credit Limit
2018 $300 $300 $300
2019 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300
2020
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
Account Details
Balance $0 Date Opened Nov 03, 2014
Actual Payment Amount Date of Last Payment Dec 01, 2019
Date of Last Activity Scheduled Payment Amount
Comments Contact
KOHLS/CAPITAL ONE
PO BOX 3115
MILWAUKEE, WI 53201-3115
1-800-564-5740

2.19 SYNCB/ROOMS TO GO
Summary
Account History
Balance
2018 $6,238 $5,928 $5,530 $5,168
2019 $4,453 $4,103 $6,202 $4,455 $4,105 $3,783 $3,474 $3,124 $2,774 $2,649 $3,489
2020 $2,954 $2,872 $2,790 $2,479 $2,306 $2,131 $1,956
Available Credit
2018
2019
2020
Scheduled Payment
2018 $379 $380 $349 $351
2019 $297 $252 $267 $267 $195 $146 $159 $118 $111 $90 $181
2020 $183 $159 $158 $142 $142 $113 $113
Actual Payment

2018 $400 $350 $400
2019 $715 $350 $350 $350 $350 $350 $350 $350 $350 $125 $125
2020 $125 $125 $125 $315 $175 $175 $175
High Credit
2018 $7,117 $7,117 $7,117 $7,117
2019 $7,117 $7,117 $7,117 $7,117 $7,117 $7,117 $7,117 $7,117 $7,117 $7,117 $7,117
2020 $7,117 $7,117 $7,117 $7,117 $7,117 $7,117 $7,117
Credit Limit
2018 $10,000 $10,000 $10,000 $6,300
2019 $6,300 $6,300 $6,300 $6,300 $6,300 $6,300 $6,300 $6,300 $6,300 $6,300 $6,300
2020 $6,300 $4,600 $4,600 $4,600 $4,600 $4,600 $4,600
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
Account Details
Comments Contact
SYNCB/ROOMS TO GO
C/O P.O. BOX 965036
1-866-396-8254

2.20 SYNCB/GAP
Summary
Account History
Balance
2018
2019 $342 $299
2020 $284 $240 $382 $341 $247 $242 $197
Available Credit
2018
2019
2020
Scheduled Payment
2018
2019 $28 $28
2020 $39 $39 $39 $39 $39 $47 $39
Actual Payment

2018
2019 $50 $50
2020 $50 $50 $50 $50 $50 $50
High Credit
2018
2019 $384 $384
2020 $384 $384 $384 $384 $384 $384 $384
Credit Limit
2018
2019 $400 $400
2020 $400 $400 $400 $400 $400 $400 $400
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
Account Details
Balance $197 Date Opened Jun 16, 2019
Comments Contact
SYNCB/GAP
4125 WINDWARD PLAZA

2.21 BANK OF AMERICA
Summary
Account History
Balance
2018 $15,584 $14,713 $14,296 $13,641
2019 $13,264 $13,915 $13,622 $14,061 $13,694 $13,317 $13,468 $16,164 $15,567 $15,214 $15,069
2020 $14,652 $13,584 $13,687 $13,317 $13,514
Available Credit
2018
2019
2020
Scheduled Payment
2018 $413 $374 $373 $348
2019 $353 $361 $336 $363 $358 $354 $347 $444 $396 $397 $421
2020 $396 $340 $327 $327 $320
Actual Payment

2018
2019
2020
High Credit
2018 $17,847 $17,847 $17,847 $17,847
2019 $17,847 $17,847 $17,847 $17,847 $17,847 $17,847 $17,847 $17,847 $17,847 $17,847 $17,847
2020 $17,847 $17,847 $17,847 $17,847 $17,847
Credit Limit
2018 $13,500 $13,500 $13,500 $13,500
2019 $13,500 $13,500 $13,500 $13,500 $13,500 $13,500 $13,500 $13,500 $13,500 $13,500 $13,500
2020 $13,500 $13,500 $13,500 $13,500 $13,500
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
2013
Account Details

Comments Contact
BANK OF AMERICA
DE5-019-03-07
4060 OGLETOWN/STANTON RD
NEWARK, DE 19714
1-800-759-6262

2.22 DISCOVER BANK
Summary
Account History
Balance
2018 $11,963 $11,939 $12,039 $12,020 $12,016
2019 $11,999 $11,978 $11,930 $11,945 $11,916 $11,897 $11,867 $11,847 $11,824 $11,788 $11,759 $11,719
2020 $11,688 $11,656 $11,606 $11,557 $11,499 $11,447 $11,387
Available Credit
2018
2019
2020
Scheduled Payment
2018 $297 $297 $293 $302 $292
2019 $304 $303 $275 $302 $293 $301 $292 $300 $297 $285 $291 $281
2020 $289 $288 $270 $271 $262 $269 $260
Actual Payment

2018
2019
2020
High Credit
2018 $11,970 $11,970 $12,039 $12,039 $12,039
2019 $12,039 $12,039 $12,039 $12,039 $12,039 $12,039 $12,039 $12,039 $12,039 $12,039 $12,039 $12,039
2020 $12,039 $12,039 $12,039 $12,039 $12,039 $12,039 $12,039
Credit Limit
2018 $12,000 $12,000 $12,000 $12,000 $12,000
2019 $12,000 $12,000 $12,000 $12,000 $12,000 $12,000 $12,000 $12,000 $12,000 $12,000 $12,000 $12,000
2020 $12,000 $12,000 $12,000 $12,000 $12,000 $12,000 $12,000
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
2013
Account Details

Comments Contact
DISCOVER BANK
PO BOX15316
ATT:CMS/PROD DEVELOP
WILMINGTON, DE 19850-5316
1-800-347-2683

2.23 SYNCB/JC PENNEYS
Summary
Account History
Balance
2018 $5,154 $5,144 $5,296 $5,209 $5,325
2019 $5,308 $5,218 $5,142 $5,236 $5,216 $5,288 $5,278 $5,185 $5,165 $5,060 $5,157 $5,171
2020 $5,105 $5,119 $5,062 $4,995 $4,955 $4,890 $4,827
Available Credit
2018
2019
2020
Scheduled Payment
2018 $171 $167 $204 $170 $174
2019 $172 $163 $176 $207 $173 $170 $214 $173 $206 $166 $169 $171
2020 $170 $163 $169 $159 $169 $159 $161
Actual Payment

2018 $215 $200 $200 $204
2019 $200 $200 $200 $176 $215 $180 $170 $214 $173 $220 $166 $169
2020 $185 $170 $175 $175 $159 $175 $175
High Credit
2018 $5,497 $5,497 $5,497 $5,497 $5,497
2019 $5,497 $5,497 $5,497 $5,497 $5,497 $5,497 $5,497 $5,497 $5,497 $5,497 $5,497 $5,497
2020 $5,497 $5,497 $5,497 $5,497 $5,497 $5,497 $5,497
Credit Limit
2018 $4,400 $4,400 $4,400 $4,400 $4,400
2019 $4,400 $4,400 $4,400 $4,400 $4,400 $4,400 $4,400 $4,400 $4,400 $4,400 $4,400 $4,400
2020 $4,400 $4,400 $4,400 $4,400 $4,400 $4,400 $4,400
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
2013
Account Details
Comments Contact
SYNCB/JC PENNEYS
4125 WINDWARD PLAZA

2.24 COMENITYBANK/VICTORIASSECRET
Summary
Account History
Balance
2018 $2,238 $2,176 $2,120 $2,062 $2,059
2019 $2,002 $1,892 $1,797 $1,985 $1,936 $1,885 $1,828 $1,768 $1,723
2020 $2,298 $2,239 $2,178 $2,312 $2,244 $2,346
Available Credit
2018
2019
2020
Scheduled Payment
2018 $110 $105 $105 $100 $100
2019 $100 $90 $85 $95 $95 $90 $90 $85 $85
2020 $110 $110 $105 $115 $110 $115
Actual Payment

2018 $100 $110 $105 $105 $110
2019 $100 $100 $90 $100 $95 $95 $100 $100 $85
2020 $100 $110 $110 $105 $115 $110
High Credit
2018 $2,238 $2,238 $2,238 $2,238 $2,238
2019 $2,238 $2,238 $2,238 $2,238 $2,238 $2,238 $2,238 $2,238 $2,238
2020 $2,353 $2,353 $2,353 $2,367 $2,367 $2,406
Credit Limit
2018 $2,150 $2,150 $2,150 $2,150 $2,150
2019 $2,150 $2,150 $2,150 $2,400 $2,400 $2,400 $2,400 $2,400 $2,400
2020 $2,400 $2,400 $2,400 $2,400 $2,400 $2,400
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2020

2019
2018
2017
2016
2015
2014
2013
Account Details
Balance $2,346 Date Opened Oct 28, 2009
Comments Contact
COMENITYBANK/VICTORIASSECRET
PO BOX 182789
COLUMBUS, OH 43218

2.25 SEARS/CBNA (CLOSED)
Summary
Payment History
2019
2018
2017
2016
2015
2014
2013
Account Details
High Credit $4,857 Owner UNDESIGNATED

Amount Past Due Date Reported Dec 25, 2019
Actual Payment Amount Date of Last Payment Mar 01, 2015
Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN
Loan Type Credit Card Date Closed Jun 01, 2011
Comments Contact
Consumer disputes this account information SEARS/CBNA

PO BOX 6497
Account closed by credit grantor
SIOUX FALLS, SD 57117

2.26 SYNCB/ASHLEY HOME STORES (CLOSED)
Summary
Payment History
2017
2016
Account Details
Amount Past Due Date Reported Dec 24, 2017
Actual Payment Amount Date of Last Payment

Loan Type Charge Account Date Closed Aug 01, 2017
Comments Contact
Account closed due to inactivity SYNCB/ASHLEY HOME STORES

C/O P.O. BOX 965036
1-866-396-8254

2.27 KAY JEWELERS (CLOSED)
Summary
Payment History
2017
2016
2015
Account Details
Balance $0 Date Opened Jan 31, 2015
Amount Past Due Date Reported Oct 28, 2017
Actual Payment Amount Date of Last Payment Sep 01, 2017

Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN
Loan Type Charge Account Date Closed Oct 01, 2017
Comments Contact
KAY JEWELERS
375 GHENT RD.
AKRON, OH 44333-2668

2.28 KAY JEWELERS (CLOSED)
Summary
Payment History
2017
2016
2015
2014
2013
2012
2011
Account Details

Balance $0 Date Opened Dec 18, 1993
Loan Type Charge Account Date Closed Oct 01, 2017
Comments Contact
KAY JEWELERS
375 GHENT RD.
AKRON, OH 44333-2668

2.29 SYNCB/BELK (CLOSED)
Summary
Payment History
2017
2016
2015
2014
2013
2012
2011
2010
Account Details

Balance $0 Date Opened Apr 19, 1995
Loan Type Charge Account Date Closed Apr 01, 2016
Comments Contact
Account closed at consumer’s request SYNCB/BELK

4125 WINDWARD PLAZA

2.30 SYNCB/BELK (CLOSED)
Summary
Payment History
2017
2016
2015
2014
2013
2012
2011
2010
Account Details

Balance $0 Date Opened Mar 21, 1995
Loan Type Charge Account Date Closed Mar 01, 2016
Comments Contact
Account closed at consumer’s request SYNCB/BELK

4125 WINDWARD PLAZA

2.31 SYNCB/AMERICAN EAGLE (CLOSED)
Summary
Payment History
2017
2016
2015
2014
2013
2012
2011
2010
Account Details

Balance $0 Date Opened Mar 02, 2009
Amount Past Due Date Reported May 25, 2017
Loan Type Charge Account Date Closed Aug 01, 2014
Comments Contact
SYNCB/AMERICAN EAGLE
4125 WINDWARD PLAZA

2.32 SUNTRUST BANK, CHATTANOOGA (CLOSED)
Summary
Payment History
You currently do not have any Payment History in your file.
Account Details
High Credit $515 Owner JOINT_CONTRACTUAL_LIABILITY
Balance $0 Date Opened Jan 01, 1994
Amount Past Due Date Reported Nov 01, 2010
Actual Payment Amount $36 Date of Last Payment Nov 01, 2010
Loan Type Line of Credit Date Closed Jan 01, 2010

Comments Contact
Account closed by credit grantor SUNTRUST BANK, CHATTANOOGA

3535 BRAINERD ROAD - B0260
TN - CHATTANOOGA - 0551
CHATTANOOGA, TN 37411
1-423-757-3661

3. Mortgage Accounts
Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off.
3.1 JPMCB - HOME LENDING (CLOSED)
Summary
Account Number xxxxxxxxx 4887 Reported Balance $0
Available Credit
Payment History
Account Details
Credit Limit Account Type MORTGAGE
Balance $0 Date Opened Oct 23, 2003
Actual Payment Amount $78,064 Date of Last Payment Jul 01, 2014

Loan Type Conventional Real Estate Date Closed Jul 01, 2014
Mortgage
Comments Contact
Freddie mac account JPMCB - HOME LENDING

301 N WALNUT ST, FLOOR 09
Fixed rate
WILMINGTON, DE 19801-3935
1-800-848-9136

3.2 GATEWAY BANK & TRUST (CLOSED)
Summary
Payment History
Account Details
Credit Limit $20,000 Account Type MORTGAGE
Amount Past Due Date Reported Sep 14, 2012
Actual Payment Amount $109 Date of Last Payment Sep 01, 2012
Loan Type Date Closed

Comments Contact
GATEWAY BANK & TRUST

5102 ALABAMA HIGHWAY
RINGGOLD, GA 30736
1-706-965-5500

4. Installment Accounts
Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans.
4.1 BANK OF LAFAYETTE
Summary
Account Number xxxxx 11 Reported Balance $2,340
Available Credit
Account History
Balance
2018 $6,483 $6,116 $5,954
2019 $5,383 $5,233 $5,048 $4,724 $4,354 $4,004
2020 $3,689 $3,306 $3,133 $2,530 $2,340
Available Credit
2018
2019
2020
Scheduled Payment
2018 $205 $205 $205
2019 $205 $205 $205 $205 $205 $205
2020 $205 $205 $205 $205 $205

Actual Payment
2018 $250 $410
2019 $205 $420
2020 $376 $420 $215 $615 $205
High Credit
2018 $6,670 $6,670 $6,670
2019 $6,670 $6,670 $6,670 $6,670 $6,670 $6,670
2020 $6,670 $6,670 $6,670 $6,670 $6,670
Credit Limit
2018
2019
2020
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Comments 1
Date Comment
09/2018 Fixed rate

Date Comment
10/2018 Fixed rate
12/2018 Fixed rate
01/2019 Fixed rate
03/2019 Fixed rate
04/2019 Fixed rate
07/2019 Fixed rate
08/2019 Fixed rate
11/2019 Fixed rate
01/2020 Fixed rate
03/2020 Fixed rate
04/2020 Fixed rate
05/2020 Fixed rate
06/2020 Fixed rate
Payment History
2020
2019 30 30
2018
Account Details
Credit Limit Account Type INSTALLMENT

Balance $2,340 Date Opened Aug 07, 2018
Actual Payment Amount Date of Last Payment Jun 01, 2020
Loan Type Secured Date Closed
Comments Contact
Fixed rate BANK OF LAFAYETTE

P O BOX 1149
LAFAYETTE, GA 30728
1-706-638-2520

4.2 BANK OF LAFAYETTE (CLOSED)
Summary
Account Number xxxxx 83 Reported Balance $0
Available Credit
Account History
Balance
2018 $8,211 $7,911
2019
2020
Available Credit
2018
2019
2020
Scheduled Payment
2018 $359 $359
2019
2020
Actual Payment

2018 $359 $359
2019
2020
High Credit
2018 $11,653 $11,653
2019
2020
Credit Limit
2018
2019
2020
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Comments 1
Date Comment
07/2018 Fixed rate
08/2018 Fixed rate
Payment History

2018
2017
Account Details
Balance $0 Date Opened Aug 21, 2017
Amount Past Due Date Reported Jan 02, 2019
Loan Type Auto Date Closed Sep 01, 2018
Comments Contact

P O BOX 1149
LAFAYETTE, GA 30728
1-706-638-2520

4.3 REPUBLIC FINANCE INC (CLOSED)
Summary
Account Number xxxxxx 5071 Reported Balance $0
Available Credit
Account History
Balance
2018 $151
2019
2020
Available Credit
2018
2019
2020
Scheduled Payment
2018 $225
2019
2020
Actual Payment

2018
2019
2020
High Credit
2018 $4,198
2019
2020
Credit Limit
2018
2019
2020
Amount Past Due
2018
2019
2020
Activity Designator
2018
2019
2020
Payment History
2018

2017
2016
Account Details
Loan Type Note Loan Date Closed Sep 01, 2018
Comments Contact
REPUBLIC FINANCE INC

97 CRYE LEIKE DR
FT OGLETHORPE, GA 30742-4055
1-706-866-5751

Summary
Account Number xxxx 35 Reported Balance $0
Available Credit
Payment History
2018
2017
Account Details
Balance $0 Date Opened May 09, 2017

Loan Type Recreational Merchandise Date Closed Jul 01, 2018
Comments Contact

P O BOX 1149
LAFAYETTE, GA 30728
1-706-638-2520

Summary
Account Number xxxx 01 Reported Balance $0
Available Credit
Payment History
2017
2016
Account Details

Loan Type Unsecured Date Closed Jul 01, 2017
Comments Contact

P O BOX 1149
LAFAYETTE, GA 30728
1-706-638-2520

Summary
Available Credit
Payment History
2016
2015
2014
Account Details

Loan Type Note Loan Date Closed
Comments Contact
Refinanced REPUBLIC FINANCE INC

97 CRYE LEIKE DR
1-706-866-5751

4.7 FIRST VOLUNTEER BANK (CLOSED)
Summary
Payment History
Account Details
Credit Limit $20,000 Account Type INSTALLMENT
Loan Type Installment Sales Contract Date Closed Jul 01, 2014

Comments Contact
Variable/adjustable rate FIRST VOLUNTEER BANK

728 BROAD STREET
1-423-265-5001

Summary
Available Credit
Payment History
Account Details
Amount Past Due Date Reported May 01, 2014
Actual Payment Amount Date of Last Payment Jan 01, 2014

Comments Contact

97 CRYE LEIKE DR
1-706-866-5751

Summary
Available Credit
Payment History
Account Details
Balance $0 Date Opened May 10, 2013
Amount Past Due Date Reported Sep 01, 2013
Actual Payment Amount Date of Last Payment Jun 01, 2013

Comments Contact

97 CRYE LEIKE DR
1-706-866-5751

5. Other Accounts
Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support
obligations or rental agreements.
You currently do not have any Other Accounts in your file.

6. Consumer Statements
Consumer Statements are explanations of up to 100 words you can attach to your credit file to provide more information on an item you
may disagree with or would like to provide details on. Consumer statements are voluntary and have no impact on your credit score.
Date Statement Removal Date
Aug 01, 2015 THE POWER ACCOUNT WAS SUPPOSED TO BE TRANSFERRED TO ANOTHER PERSON'S Aug 01, 2025
ACCOUNT AFTER I CLOSED AND NORTH GA ELECTRIC DID NOT I HAD POWER ACCOUNT
CLOSED IN MY NAME AND PUT IN SOMEONE ELSE' NAME AND NORTH GA ELECTRIC DID
NOT DO AS THEY SHOULD HAVE THE NEW OWNER OF THE POWER ACCOUNT OWED THIS
BILL NOT MENORTH GA ELECTRIC ACKNOWLEDGED IT WAS THEIR MISTAKE AND TOLD ME
TO GET THIS REMOVED FROM MY CREDIT FILE

7. Personal Information
Creditors use your personal information primarily to identify you. This information has no impact on your credit score.
Identification
Identification is the information in your credit file that indicates your current identification as reported to Equifax. It does not affect your
credit score or rating.
Name JENNIFER L BARNES 2
Formerly known as JENNIFER L WINTERS
Social Security Number xxxxx 7710
Age or Date of Birth Apr 14, 1974
Other Identification
You currently do not have any Other Identifications in your file.
Alert Contact Information
You currently do not have any Alert Contacts in your file.
Contact Information
Contact information is the information in your credit file that indicates your former and current addresses as reported to Equifax. It does
not affect your credit score or rating.
Address Status Date Reported
119 SCHMITT RD Current Aug 18, 2020

ROSSVILLE, GA 30741
3987 CLOUD SPRINGS RD Former Aug 18, 2015

RINGGOLD, GA 30736
49 PEARDON LN Former Aug 20, 2015

RINGGOLD, GA 30736
2009 E 25TH ST Former Feb 04, 2011

1355 DIETZ RD Former Feb 04, 2011

RINGGOLD, GA 30736
2005 E 25TH ST Former Feb 04, 2011


309 TENNESSEE AVE Former Nov 06, 2017
ROSSVILLE, GA 30741
Employment History
Employment history is the information in your credit file that indicates your current and former employment as reported to Equifax. It
does not affect your credit score or rating.
Company Occupation
AMSOUTH BANK TELLER
HORIZON REHAB INC

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

These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years.
Date Company Request Originator
Jan 15, 2020 CREDCO COMMUNITY NATIONAL B
10277 SCRIPPS RANCH BOULEVARD

SAN DIEGO, CA 92131
1-800-637-2422
Oct 30, 2019 COMENITYCAPITAL/SEPHORAVISACC
PO BOX 182120
COLUMBUS, OH 43218
Oct 04, 2019 SYNCB/PAYPAL
9690 DEERECO ROAD

PO# 2000219380/SYNCB/PAYPAL
LUTHERVILLE-TIMONIUM, MD 21094
1-866-528-3733
Soft Inquiries
Inquiries that do not impact your credit rating/score

These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor
or your own requests to check your credit file. They may remain on your file for up to 2 years.
Date Company Request Originator Description
Aug 09, 2020 COMENITY BANK/VCTRSSEC Credit Report
Aug 09, 2020 BEST BUY / CBNA Account Review Inquiry
Aug 07, 2020 COMENITY BANK/PTTRYBRN Credit Report
Aug 04, 2020 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Jul 19, 2020 THE HOME DEPOT - CITI NA Account Review Inquiry
Jul 05, 2020 NORTHONE INC Direct Deposit Account

Jun 30, 2020 WF CRD SVC Account Review Inquiry
Jun 23, 2020 MACYS/DSNB Account Review Inquiry
Jun 13, 2020 CREDIT KARMA, INC Direct to Consumer Report
Jun 07, 2020 COMENITY BANK/VCTRSSEC Credit Report
Mar 20, 2020 AMERICAN FINANCIAL NETWORK Promotional Inquiry

INC
Mar 15, 2020 COMENITY BANK/VCTRSSEC Credit Report
Jan 24, 2020 AMERICAN FINANCIAL NETWORK Promotional Inquiry

INC
Jan 22, 2020 CITYWORTH MORTGAGE LLC Promotional Inquiry
Jan 02, 2020 WF CRD SVC Account Review Inquiry
Dec 10, 2019 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Oct 11, 2019 AMERICAN FINANCIAL NETWORK Promotional Inquiry

INC
Oct 08, 2019 COMENITY BANK Account Review Inquiry
Sep 11, 2019 CREDIT KARMA, INC Direct to Consumer Report
Jul 30, 2019 COMENITY BANK Credit Report
Jun 04, 2019 THE HERTZ CORPORATION Credit Report

9. Public Records
This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, LexisNexis.
They can be contacted at: https://equifaxconsumers.lexisnexis.com
LexisNexis Consumer Center
P.O. Box 105615
Atlanta, GA 30348-5108
Bankruptcies
Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay
on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on
your credit score.
You currently do not have any Bankruptcies in your file.
Judgments
Judgments are a legal status granted by a court that indicates you must pay back an outstanding debt. Judgments stay on your credit
report up to 7 years from the date filed and generally have a negative impact on your credit score.
You currently do not have any Judgments in your file.
Liens
A lien is a legal claim on an asset, and Equifax only collects tax related liens. Liens stay on your credit report up to 10 years and
generally have a negative impact on your credit score.
You currently do not have any Liens in your file.

10. Collections
Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your
credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit
score.
You currently do not have any Collections in your file.

11. Dispute File Information
If you believe that any of the information found on this report is incorrect, there are 3 ways to launch an investigation about the
information in this report.
When you file a dispute, the credit bureau you contact is required to investigate your dispute within 30 days. They will not remove
accurate data unless it is outdated or cannot be verified.
To initiate a dispute online please visit https://www.ai.equifax.com
To check the status or view the results of your dispute please visit https://www.ai.equifax.com

Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
12. A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer
reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as
agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your
major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/
learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street 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:
o a person has taken adverse action against you because of information in your credit report;
o you are the victim of identity theft and place a fraud alert in your file;
o your file contains inaccurate information as a result of fraud;
o you are on public assistance;
o 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 form the lists these offers are based on. You may opt out with the nationwide credit bureaus at
1-888-5-OPTOUT (1-888-567-8688).

• The following FCRA right applies with respect to nationwide consumer reporting agencies:
CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE
You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency
from releasing information in your credit report without your express authorization. The security freeze is designed to
prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware
that using a security freeze to take control over who gets access to the personal and financial information in your credit report
may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new
loan, credit, mortgage, or any other account involving the extension of credit.
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no
cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a
consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you
are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or
entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing
or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line
increases, and account upgrades and enhancements.
• 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,
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 (see next page):

TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of a.Consumer Financial Protection Bureau 1700 G Street,
over $10 billion and their affiliates N.W.Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit b.Federal Trade Commission Consumer Response Center 600
unions also should list, in addition to the CFPB: Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357
2.To the extent not included in item 1 above: a.National banks, federal a.Office of the Comptroller of the Currency Customer Assistance
savings associations, and federal branches and federal agencies of Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050
foreign banks
b.State member banks, branches and agencies of foreign banks (other

b.Federal Reserve Consumer Help Center P.O. Box 1200
than federal branches, federal agencies, and Insured State Branches
Minneapolis, MN 55480
of Foreign Banks), commercial lending companies owned 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 c.FDIC Consumer Response Center 1100 Walnut Street, Box #11
Kansas City, MO 64106
d.Federal Credit Unions
d.National Credit Union Administration Office of Consumer Financial
Protection (OCFP) Division of Consumer Compliance Policy and
Outreach 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, S.E. Washington, DC 20590
4.Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of
Transportation 395 E Street, S.W. Washington, DC 20423
5.Creditors Subject to the Packers and Stockyards Act, 1921 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, S.W., Suite 8200
Washington, DC 20416
7.Brokers and Dealers Securities and Exchange Commission 100 F Street, N.E. Washington,
DC 20549
8.Federal Land Banks, Federal Land Bank Associations, Federal Farm Credit Administration 1501 Farm Credit Drive McLean, VA
Intermediate Credit Banks, and Production Credit Associations 22102-5090
9.Retailers, Finance Companies, and All Other Creditors Not Listed Federal Trade Commission Consumer Response Center 600
Above Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357

Commonly Asked Questions About Credit Files
Q. How can I correct a mistake in my credit file?

A. Complete the Research Request form and give details of the information you believe is incorrect. We will then check with the credit
grantor, collection agency or public record source to see if any error has been reported. Information that cannot be verified will be
removed from your file. If you and a credit grantor disagree on any information, you will need to resolve the dispute directly with the
credit grantor who is the source of the information in question.
Q. If I do have credit problems, is there someplace where I can get advice and assistance?
A. Yes, there are a number of organizations that offer assistance. For example, the Consumer Credit Counseling Service (CCCS) is a
non-profit organization that offers free or low-cost financial counseling to help people solve their financial problems. CCCS can help you
analyze your situation and work with you to develop solutions. There are more than 600 CCCS offices throughout the country. Call 1
(800) 388-2227 for the telephone number of the office nearest you.
Facts You Should Know
o The length of time an account or record remains in your credit file is shown below:
Collection Agency Accounts: Remain up to 7 years from the Date of First Delinquency.
Credit or Other reported accounts: Accounts paid as agreed remain for up to 10 years from the date last reported by the lender.
Accounts not paid as agreed (i.e., delinquent, charged off, accounts placed for collection) remain for up to 7 years from the
Date of First Delinquency.
Public Records: Bankruptcy-
Chapter 7 or 11 bankruptcies filed and discharged remain for 10 years from the date filed.
Chapter 12 and 13 bankruptcies remain for 7 years from the date filed.
Dismissed bankruptcies (all chapters) remain for 7 years from the date filed.
New York Residents Only (must be a current resident): Paid collections remain on your Equifax credit report for 5 years from the
date of the first missed payment. A paid Charged Off account remains on the file for 5 years from the Date of First Delinquency.
o Name, address, and Social Security Number information may be provided to businesses that have a legitimate need to locate or
identify a consumer.
Additional Notice to Consumer:
You may request a description of the procedure used to determine the accuracy and completeness of the information, including the
business name and address of the furnisher of information contacted, and if reasonably available the telephone number.
If the reinvestigation does not resolve your dispute, you have the right to add a statement to your credit file disputing the accuracy or
completeness of the information; the statement should be brief and may be limited to not more than one hundred words explaining
the nature of your dispute.
If the reinvestigation results in the deletion of disputed information, or you submit a statement in accordance with the preceding
paragraph, you have the right to request that we send your revised credit file to any company specifically designated by you that
received your credit report in the past six months (twelve months for California, Colorado, Maryland, New Jersey and New York
residents) for any purpose or in the past two years for employment purposes.

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CREDIT REPORT

JENNIFER BARNES | Aug 19, 2020 Page 2 of 134

Report Date Aug 19, 2020

Credit File Status No fraud indicator on file

Alert Contacts 0 Records Found

Average Account Age 11 Years, 1 Month

Length of Credit History 26 Years, 8 Months

Accounts with Negative Information 3

Oldest Account COMENITYBANK/KAYJEWELERS (Opened Dec 18, 1993)

Most Recent Account COMENITY BANK/PTTRYBRN (Opened Jul 30, 2019)

Revolving 24 23 $86,707 $13,633 $100,340 86.0% $3,227

Installment 1 1 $2,340 $4,330 $6,670 35.0% $205

Total 25 24 $89,047 $17,963 $107,010 83.0% $3,432

Consumer Statements 1 Statements Found

Personal Information 11 Items Found

Inquiries 24 Inquiries Found

Most Recent Inquiry COMENITY BANK/VCTRSSECAug 09, 2020

Public Records 0 Records Found

Collections 0 Collections Found

JENNIFER BARNES | Aug 19, 2020 Page 3 of 134

Account Number Reported Balance $1,758

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 98%

Available Credit $1,800

2018 $1,063 $1,096 $1,085 $1,162 $1,105

2020 $1,823 $1,706 $1,702 $1,679 $1,708 $1,678 $1,769

2018 $34 $61 $73 $34 $34

2020 $54 $50 $53 $49 $51 $49 $51

JENNIFER BARNES | Aug 19, 2020 Page 4 of 134

2018 $1,233 $1,233 $1,233 $1,233 $1,233

2020 $1,831 $1,831 $1,831 $1,831 $1,831 $1,831 $1,831

2018 $1,200 $1,200 $1,200 $1,200 $1,200

2020 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800

Amount Past Due

JENNIFER BARNES | Aug 19, 2020 Page 5 of 134

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

High Credit $1,831 Owner INDIVIDUAL

Credit Limit $1,800 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $1,758 Date Opened Dec 05, 2009

Amount Past Due Date Reported Aug 18, 2020

Actual Payment Amount Date of Last Payment Aug 01, 2020

Date of Last Activity Scheduled Payment Amount $51

Months Reviewed 82 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Credit Card Date Closed

Date of First Delinquency

JENNIFER BARNES | Aug 19, 2020 Page 6 of 134

JENNIFER BARNES | Aug 19, 2020 Page 7 of 134

Account Number Reported Balance $7,694

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 97%

Available Credit $7,930

2018 $8,218 $8,190 $8,078 $7,945 $7,998

2020 $7,451 $7,692 $7,757 $7,631 $7,636

2018 $274 $265 $269 $298 $305

2020 $246 $245 $298 $249 $256

JENNIFER BARNES | Aug 19, 2020 Page 8 of 134

2019 $675 $350 $350 $350 $350 $350 $913

2020 $847 $246 $375 $298 $400

2018 $8,622 $8,622 $8,622 $8,622 $8,622

2020 $8,664 $8,664 $8,664 $8,664 $8,664