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Prepared For

MICHAEL WEDLICK
Personal & Confidential

Date Generated Oct 9, 2023

Report Number 1278-7705-41

At a
Glance 29 Accounts 0 Public Records 7 Hard Inquiries

Personal Information

5 Names 4 Addresses 2 Employers 5 Other Records

Because your personal information is reported by you, your creditors, and other sources, it's
typical to see small variations in reported personal information, like names and addresses. For
security reasons, many of these items can't be disputed online, but don't worry—they don't affect
your credit score.

Names

MICHAEL D MICHAEL MICHEAL D MIKE WEDLICK

WEDLICK WEDLICK WEDLICK
Name ID
Name ID Name ID Name ID #25628
#16171 #30994 #15201

M WEDLICK

Name ID #5999

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Addresses

25 WILDWOOD 30 LINDBERGH 102 COLONY 655 DEBRUCE

CT LN AVE RD
MONTVALE NEW CITY NY, PARK RIDGE LIVINGSTON
NJ, 07645- 10956-3110 NJ, 07656- MANOR NY,
1215 1045 12758-2010
Address ID
Address ID #0020876114 Address ID Address ID
#0013049121 Single family #0013096048 #0541228151
Single family Single family Single family

Year of Birth

1970

Phone Numbers

(201) 802-1724 (845) 536-5160 (845) 536-8160

Residential Residential Cellular

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Spouse or Co-Applicant

MELANIE

Employers

US INFORMATION SYSTEMS VSIS

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

AMERICAN EXPRESS

 Account Info
Account Name AMERICAN EXPRESS Balance $27,222

Account Number 3499912968530213 Balance Updated 09/27/2023

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment $0

Date Opened 03/27/1989 Credit Limit -

Status Open/Never late. Highest Balance $35,977

Status Updated Sep 2023 Terms 1 Months

 Payment History

J F M A M J J A S O N D

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2023          — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — — —   

 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Aug 2023 $26,803 $0 $0

Jul 2023 $22,149 $0 $0

Jun 2023 $21,035 $0 $0

May 2023 $19,867 $0 $0

Apr 2023 $17,489 $0 $0

Mar 2023 $15,481 $0 $0

Feb 2023 $14,948 $0 $0

Jan 2023 $13,332 $0 $0

Dec 2022 $16,456 $0 $0

Nov 2022 $12,913 $0 $0

Oct 2022 $10,653 $0 $0

Sep 2022 $10,141 $0 $0

Aug 2022 $35,806 $0 $0

Jul 2022 $30,307 $0 $0

Jun 2022 $28,047 $0 $0

May 2022 $25,521 $0 $0

Apr 2022 $23,924 $0 $0

Mar 2022 $21,750 $0 $0

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Date Balance Scheduled Payment Paid

Feb 2022 $19,946 $0 $0

Jan 2022 $20,076 $0 $0

Dec 2021 $18,903 $0 $0

Nov 2021 $15,160 $0 $0

Oct 2021 $15,286 $0 $0

Additional info
Between Oct 2021 and Aug 2023, your credit limit/high balance was $35,977

 Contact Info
Address PO BOX 981537,
EL PASO TX 79998

Phone Number (800) 874-2717

AMERICAN HONDA FINANCE CORP

 Account Info
Account Name AMERICAN HONDA Balance -
FINANCE CORP
Balance Updated -
Account Number 18380XXXX
Recent Payment -
Account Type Auto Lease
Monthly Payment -
Responsibility Individual
Original Balance $19,440
Date Opened 09/22/2014
Highest Balance -
Status Paid, Closed/Never late.
Terms 36 Months
Status Updated Sep 2017
On Record Until Sep 2027

 Payment History

J F M A M J J A S O N D

2017         CLS — — —

2016            

2015            

2014 — — — — — — — — — —  

 Current / Terms met

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CLS Closed

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

 Contact Info
Address PO BOX 168128,
IRVING TX 75016

Phone Number (800) 542-2432

BARCLAYS BANK/GAP

 Account Info
Account Name BARCLAYS BANK/GAP Balance -

Account Number 000393XXXXXXXXX Balance Updated -

Account Type Credit card Recent Payment -

Responsibility Authorized user Monthly Payment -

Date Opened 07/08/2010 Credit Limit $1,024

Status Paid, Closed/Never late. Highest Balance $1,428

Status Updated Mar 2023 Terms -

On Record Until Mar 2033

 Payment History

J F M A M J J A S O N D

2023   CLS — — — — — — — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — —         

 Current / Terms met

CLS Closed

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

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 Balance Histories

Date Balance Scheduled Payment Paid

Feb 2023 $0 $0 $0 on 2/21/2020

Jan 2023 $0 $0 $0 on 2/21/2020

Dec 2022 $0 $0 $0 on 2/21/2020

Nov 2022 $0 $0 $0 on 2/21/2020

Oct 2022 $0 $0 $0 on 2/21/2020

Sep 2022 $0 $0 $0 on 2/21/2020

Aug 2022 $0 $0 $0 on 2/21/2020

Jul 2022 $0 $0 $0 on 2/21/2020

Jun 2022 $0 $0 $0 on 2/21/2020

May 2022 $0 $0 $0 on 2/21/2020

Apr 2022 $0 $0 $0 on 2/21/2020

Mar 2022 $0 $0 $0 on 2/21/2020

Feb 2022 $0 $0 $0 on 2/21/2020

Jan 2022 $0 $0 $0 on 2/21/2020

Dec 2021 $0 $0 $0 on 2/21/2020

Nov 2021 $0 $0 $0 on 2/21/2020

Oct 2021 $0 $0 $0 on 2/21/2020

Additional info
Between Oct 2021 and Feb 2023, your credit limit/high balance was $1,024

 Contact Info
Address PO BOX 8803,
WILMINGTON DE 19899

Phone Number (866) 370-5931

 Comment

Current:

Closed due to inactivity

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Previous:

None

CAPITAL ONE

 Account Info
Account Name CAPITAL ONE Balance $0

Account Number 555675XXXXXXXXXX Balance Updated 09/16/2023

Account Type Business Card Recent Payment -

Responsibility Individual Monthly Payment $0

Date Opened 01/20/2022 Credit Limit $15,000

Status Open/Never late. Highest Balance $458

Status Updated Sep 2023 Terms -

 Payment History

J F M A M J J A S O N D

2023          — — —

2022 —           

 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Aug 2023 $0 $0 $0 on 5/12/2023

Jul 2023 $0 $0 $0 on 5/12/2023

Jun 2023 $0 $0 $0 on 5/12/2023

May 2023 $0 $0 $0 on 5/12/2023

Apr 2023 $0 $0 $0

Mar 2023 $0 $0 $0

Feb 2023 $0 $0 $0

Jan 2023 $0 $0 $0

Dec 2022 $0 $0 $0

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Date Balance Scheduled Payment Paid

Nov 2022 $0 $0 $0

Oct 2022 $0 $0 $0

Sep 2022 $0 $0 $0

Aug 2022 $0 $0 $0

Jul 2022 $0 $0 $0

Jun 2022 $0 $0 $0

May 2022 $0 $0 $0

Apr 2022 $0 $0 $0

Mar 2022 $0 $0 $0

Feb 2022 $0 $0 $0

Additional info
Between Feb 2022 and Aug 2023, your credit limit/high balance was $15,000

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

Phone Number (800) 955-7070

CAPITAL ONE

 Account Info
Account Name CAPITAL ONE Balance $13,826

Account Number 546325XXXXXXXXXX Balance Updated 09/16/2023

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment $307

Date Opened 02/26/1998 Credit Limit $20,000

Status Open/Never late. Highest Balance $20,771

Status Updated Sep 2023 Terms -

 Payment History

J F M A M J J A S O N D

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2023          — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — — —   

 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Aug 2023 $12,030 $267 $0 on 8/11/2023

Jul 2023 $10,108 $205 $0 on 7/11/2023

Jun 2023 $6,935 $69 $0 on 6/10/2023

May 2023 $1,008 $27 $0 on 5/13/2023

Apr 2023 $1,946 $27 $0 on 4/11/2023

Mar 2023 $1,181 $27 $0 on 3/8/2023

Feb 2023 $447 $27 $0 on 2/9/2023

Jan 2023 $354 $84 $0 on 1/14/2023

Dec 2022 $8,953 $129 $0 on 12/10/2022

Nov 2022 $1,608 $27 $0 on 11/5/2022

Oct 2022 $222 $42 $0 on 10/8/2022

Sep 2022 $19,569 $394 $0 on 9/9/2022

Aug 2022 $19,389 $391 $0 on 8/9/2022

Jul 2022 $19,679 $384 $0 on 7/9/2022

Jun 2022 $19,722 $368 $0 on 6/14/2022

May 2022 $18,677 $348 $0 on 5/10/2022

Apr 2022 $17,369 $326 $0 on 4/12/2022

Mar 2022 $16,792 $309 $0 on 3/11/2022

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Date Balance Scheduled Payment Paid

Feb 2022 $16,089 $295 $0 on 2/8/2022

Jan 2022 $17,378 $325 $0 on 1/8/2022

Dec 2021 $17,715 $338 $0 on 12/14/2021

Nov 2021 $18,565 $342 $0 on 11/9/2021

Oct 2021 $19,213 $357 $0 on 10/9/2021

Additional info
Between Oct 2021 and Aug 2023, your credit limit/high balance was $20,000

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

Phone Number (800) 955-7070

CAPITAL ONE

 Account Info
Account Name CAPITAL ONE Balance -

Account Number 384060XXXXXXX Balance Updated -

Account Type Mortgage Recent Payment -

Joint with MELANIE D Monthly Payment -

Responsibility
WEDLICK
Original Balance $373,800
Date Opened 02/21/2012
Highest Balance -
Status Transferred,closed/Never
Terms 15 Years
late.
On Record Until Jun 2028
Status Updated June 2018
Mortgage Agency Name Fannie Mae ID

 Payment History

J F M A M J J A S O N D

2018      CLS — — — — — —

2017            

2016  ND  ND        

2015            

2014            
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2013            

2012 — — —         

 Current / Terms met

CLS Closed
ND No data for this period

This account is scheduled to continue on record until Jun 2028.

 Contact Info
Address PO BOX 21887,
EAGAN MN 55121

Phone Number (877) 535-1212

 Comment

Current:

Transferred to another lender

Previous:

None

CAPITAL ONE AUTO FINANCE

 Account Info
Account Name CAPITAL ONE AUTO Balance $19,529
FINANCE
Balance Updated 08/31/2023
Account Number 620102XXXXXXXXXXX
Recent Payment $433 as of 8/19/2023
Account Type Auto Loan
Monthly Payment $433
Responsibility Individual
Original Balance $21,576
Date Opened 01/11/2023
Highest Balance -
Status Open/Never late.
Terms 60 Months
Status Updated Aug 2023

 Payment History

J F M A M J J A S O N D

2023         — — — —

 Current / Terms met

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 Balance Histories

Date Balance Scheduled Payment Paid

Jul 2023 $19,838 $433 $433 on 7/20/2023

Jun 2023 $20,144 $433 $433 on 6/20/2023

May 2023 $20,453 $433 $433 on 5/20/2023

Apr 2023 $20,755 $433 $433 on 4/20/2023

Mar 2023 $21,060 $433 $433 on 3/20/2023

Feb 2023 $21,359 $433 $433 on 2/20/2023

Jan 2023 $21,669 $433 $0

Additional info
The original amount of this account was $21,576

 Contact Info
Address PO BOX 259407,
PLANO TX 75025

Phone Number (800) 946-0332

DISCOVER BANK

 Account Info
Account Name DISCOVER BANK Balance -

Account Number 500000XXXXXX Balance Updated -

Account Type Unsecured Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 04/08/2016 Original Balance $20,000

Status Paid, Closed/Never late. Highest Balance -

Status Updated Jan 2018 Terms 36 Months

On Record Until Jan 2028

 Payment History

J F M A M J J A S O N D

2018 CLS — — — — — — — — — — —

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2017            

2016 — — —         

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Jan 2028.

 Contact Info
Address PO BOX 15316,
WILMINGTON DE 19850

Phone Number (800) 347-2683

DISCOVER BANK

 Account Info
Account Name DISCOVER BANK Balance -

Account Number 500006XXXXXX Balance Updated -

Account Type Unsecured Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 10/17/2018 Original Balance $25,000

Status Paid, Closed/Never late. Highest Balance -

Status Updated Apr 2019 Terms 48 Months

On Record Until Apr 2029

 Payment History

J F M A M J J A S O N D

2019    CLS — — — — — — — —

2018 — — — — — — — — —   

 Current / Terms met

CLS Closed

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

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 Contact Info
Address PO BOX 15316,
WILMINGTON DE 19850

Phone Number (800) 347-2683

DISCOVER BANK

 Account Info
Account Name DISCOVER BANK Balance -

Account Number 500007XXXXXX Balance Updated -

Account Type Unsecured Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 06/11/2019 Original Balance $20,000

Status Paid, Closed/Never late. Highest Balance -

Status Updated Mar 2021 Terms 36 Months

On Record Until Mar 2031

 Payment History

J F M A M J J A S O N D

2021   CLS — — — — — — — — —

2020            

2019 — — — — —       

 Current / Terms met

CLS Closed

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

 Contact Info
Address PO BOX 15316,
WILMINGTON DE 19850

Phone Number (800) 347-2683

DISCOVER BANK

 Account Info

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Account Name DISCOVER BANK Balance -

Account Number 500011XXXXXX Balance Updated -

Account Type Unsecured Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 07/01/2021 Original Balance $15,000

Status Paid, Closed/Never late. Highest Balance -

Status Updated Jan 2023 Terms 36 Months

On Record Until Jan 2033

 Payment History

J F M A M J J A S O N D

2023 CLS — — — — — — — — — — —

2022            

2021 — — — — — —      

 Current / Terms met

CLS Closed

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

 Balance Histories

Date Balance Scheduled Payment Paid

Dec 2022 $8,511 $484 $500 on 12/6/2022

Nov 2022 $8,939 $484 $500 on 11/6/2022

Oct 2022 $9,366 $484 $484 on 10/6/2022

Sep 2022 $9,771 $484 $484 on 9/6/2022

Aug 2022 $10,175 $484 $484 on 8/6/2022

Jul 2022 $10,573 $484 $484 on 7/6/2022

Jun 2022 $10,968 $484 $484 on 6/6/2022

May 2022 $11,363 $484 $484 on 5/6/2022

Apr 2022 $11,751 $484 $484 on 4/6/2022

Mar 2022 $12,140 $484 $484 on 3/6/2022

Feb 2022 $12,521 $484 $484 on 2/6/2022

Jan 2022 $12,910 $484 $484 on 1/6/2022

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Date Balance Scheduled Payment Paid

Dec 2021 $13,285 $484 $484 on 12/6/2021

Nov 2021 $13,658 $484 $484 on 11/6/2021

Oct 2021 $14,030 $484 $484 on 10/6/2021

Additional info
The original amount of this account was $15,000

 Contact Info
Address PO BOX 15316,
WILMINGTON DE 19850

Phone Number (800) 347-2683

EXXNMOBIL/CBNA

 Account Info
Account Name EXXNMOBIL/CBNA Balance $326

Account Number 730234XXXXXXXXXX Balance Updated 09/09/2023

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment $29

Date Opened 06/13/1994 Credit Limit $2,000

Status Open/Never late. Highest Balance $588

Status Updated Sep 2023 Terms -

 Payment History

J F M A M J J A S O N D

2023          — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — — —   

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 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Aug 2023 $221 $29 $0 on 7/14/2023

Jul 2023 $153 $29 $0 on 6/15/2023

Jun 2023 $160 $29 $0 on 5/12/2023

May 2023 $41 $29 $0 on 4/14/2023

Apr 2023 $109 $29 $0 on 3/13/2023

Mar 2023 $120 $29 $0 on 2/10/2023

Feb 2023 $100 $29 $0 on 1/13/2023

Jan 2023 $143 $29 $0 on 12/13/2022

Dec 2022 $94 $29 $0 on 11/10/2022

Nov 2022 $0 $0 $0 on 11/10/2022

Oct 2022 $84 $29 $0 on 9/16/2022

Sep 2022 $103 $29 $0 on 8/15/2022

Aug 2022 $219 $29 $0 on 7/18/2022

Jul 2022 $225 $29 $0 on 6/11/2022

Jun 2022 $257 $29 $0 on 5/16/2022

May 2022 $192 $29 $0 on 4/15/2022

Apr 2022 $257 $29 $0 on 3/12/2022

Mar 2022 $180 $29 $0 on 2/10/2022

Feb 2022 $247 $29 $0 on 1/14/2022

Jan 2022 $137 $29 $0 on 12/13/2021

Dec 2021 $305 $29 $0 on 11/10/2021

Nov 2021 $46 $0 $0 on 11/10/2021

Oct 2021 $290 $29 $0 on 9/13/2021

Additional info

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Between Oct 2021 and Aug 2023, your credit limit/high balance was $2,000

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

Phone Number (800) 344-4355

JPMCB AUTO

 Account Info
Account Name JPMCB AUTO Balance -

Account Number 1270XXXX Balance Updated -

Account Type Auto Lease Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 01/29/2020 Original Balance $10,980

Status Paid, Closed/Never late. Highest Balance -

Status Updated Jan 2023 Terms 36 Months

On Record Until Jan 2033

 Payment History

J F M A M J J A S O N D

2023 CLS — — — — — — — — — — —

2022            

2021            

2020 —           

 Current / Terms met

CLS Closed

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

 Balance Histories

Date Balance Scheduled Payment Paid

Dec 2022 $305 $305 $305 on 12/1/2022

Nov 2022 $610 $305 $305 on 11/1/2022

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Date Balance Scheduled Payment Paid

Oct 2022 $915 $305 $305 on 9/30/2022

Sep 2022 $1,220 $305 $305 on 9/1/2022

Aug 2022 $1,525 $305 $305 on 8/1/2022

Jul 2022 $1,830 $305 $305 on 7/1/2022

Jun 2022 $2,135 $305 $305 on 6/1/2022

May 2022 $2,440 $305 $305 on 4/29/2022

Apr 2022 $2,745 $305 $305 on 4/1/2022

Mar 2022 $3,050 $305 $305 on 3/1/2022

Feb 2022 $3,355 $305 $305 on 2/1/2022

Jan 2022 $3,660 $305 $305 on 12/31/2021

Dec 2021 $3,965 $305 $305 on 12/1/2021

Nov 2021 $4,270 $305 $305 on 11/1/2021

Oct 2021 $4,575 $305 $305 on 10/1/2021

Additional info
The original amount of this account was $10,980

 Contact Info
Address 700 KANSAS LN MAIL CODE
LA,
MONROE LA 71203

Phone Number (800) 336-6675

JPMCB CARD

 Account Info
Account Name JPMCB CARD Balance -

Account Number 418437XXXXXXXXXX Balance Updated -

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 05/20/2005 Credit Limit $23,500

Status Paid, Closed/Never late. Highest Balance $19,891

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Status Updated Mar 2015 Terms -

On Record Until Mar 2025

 Payment History

J F M A M J J A S O N D

2015   CLS — — — — — — — — —

2014            

2013            

2012            

2011            

2010            

2009            

2008 — — —         

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Mar 2025.

 Contact Info
Address PO BOX 15369,
WILMINGTON DE 19850

Phone Number (800) 945-2000

JPMCB CARD

 Account Info
Account Name JPMCB CARD Balance -

Account Number 588877XXXXXXXXXX Balance Updated -

Account Type Line of Credit Recent Payment -

Joint with DAVID P Monthly Payment -

Responsibility WEDLICK, MELANIE D
Credit Limit $6,700
WEDLICK
Highest Balance $6,742
Date Opened 11/01/2000
Terms -
Status Paid, Closed/Never late.
On Record Until Oct 2026
Status Updated Oct 2016

 Payment History

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J F M A M J J A S O N D

2016          CLS — —

2015            

2014 — — — — — — — — —   

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Oct 2026.

 Contact Info
Address PO BOX 15369,
WILMINGTON DE 19850

Phone Number (800) 945-2000

NISSAN MOTOR ACCEPTANCE

 Account Info
Account Name NISSAN MOTOR Balance -
ACCEPTANCE
Balance Updated -
Account Number 102442XXXXXXXXX
Recent Payment -
Account Type Auto Loan
Monthly Payment -
Responsibility Individual
Original Balance $20,539
Date Opened 08/15/2016
Highest Balance -
Status Paid, Closed/Never late.
Terms 75 Months
Status Updated Mar 2020
On Record Until Mar 2030

 Payment History

J F M A M J J A S O N D

2020   CLS — — — — — — — — —

2019            

2018            

2017            

2016 — — — — — —      

 Current / Terms met

CLS Closed

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

 Contact Info
Address 8900 FREEPORT PKWY,
IRVING TX 75063

Phone Number (800) 456-6622

NISSAN-INFINITI LT

 Account Info
Account Name NISSAN-INFINITI LT Balance -

Account Number 250064XXXXX Balance Updated -

Account Type Auto Lease Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 07/01/2011 Original Balance $20,305

Status Paid, Closed/Never late. Highest Balance -

Status Updated Nov 2014 Terms 39 Months

On Record Until Nov 2024

 Payment History

J F M A M J J A S O N D

2014 — — — — — — — — —  CLS —

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Nov 2024.

 Contact Info
Address 8900 FREEPORT PKWY,
IRVING TX 75063

Phone Number (800) 627-4437

 Comment

Current:

Full termination/obligation satisfied.

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Previous:

None

NISSAN-INFINITI LT

 Account Info
Account Name NISSAN-INFINITI LT Balance -

Account Number 250084XXXXX Balance Updated -

Account Type Auto Lease Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 06/29/2019 Original Balance $11,016

Status Paid, Closed/Never late. Highest Balance -

Status Updated June 2022 Terms 36 Months

On Record Until Jun 2032

 Payment History

J F M A M J J A S O N D

2022      CLS — — — — — —

2021            

2020            

2019 — — — — —       

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Jun 2032.

 Balance Histories

Date Balance Scheduled Payment Paid

May 2022 $287 $287 $0 on 5/31/2022

Apr 2022 $574 $287 $0 on 4/30/2022

Mar 2022 $861 $287 $0 on 3/31/2022

Feb 2022 $1,148 $287 $0 on 2/28/2022

Jan 2022 $1,435 $287 $0 on 1/31/2022

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Date Balance Scheduled Payment Paid

Dec 2021 $1,722 $287 $0 on 12/31/2021

Nov 2021 $2,009 $287 $0 on 11/30/2021

Oct 2021 $2,296 $287 $0 on 10/31/2021

Additional info
The original amount of this account was $11,016

 Contact Info
Address 8900 FREEPORT PKWY,
IRVING TX 75063

Phone Number (800) 627-4437

NISSAN-INFINITI LT

 Account Info
Account Name NISSAN-INFINITI LT Balance $2,718

Account Number 250110XXXXX Balance Updated 09/30/2023

Account Type Auto Lease Recent Payment -

Responsibility Individual Monthly Payment $339

Date Opened 12/07/2022 Original Balance $6,117

Status Open/Never late. Highest Balance -

Status Updated Sep 2023 Terms 18 Months

 Payment History

J F M A M J J A S O N D

2023          — — —

2022 — — — — — — — — — — — 

 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Aug 2023 $3,058 $339 $0 on 8/31/2023

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Date Balance Scheduled Payment Paid

Jul 2023 $3,398 $339 $0 on 7/31/2023

Jun 2023 $3,738 $339 $0 on 6/30/2023

May 2023 $4,078 $339 $0 on 5/31/2023

Apr 2023 $4,418 $339 $0 on 4/30/2023

Mar 2023 $4,758 $339 $0 on 3/31/2023

Feb 2023 $5,098 $339 $0 on 2/28/2023

Jan 2023 $5,437 $339 $0 on 1/31/2023

Dec 2022 $5,777 $339 $0 on 12/31/2022

Additional info
The original amount of this account was $6,117

 Contact Info
Address 8900 FREEPORT PKWY,
IRVING TX 75063

Phone Number (800) 627-4437

NR/SMS/CAL

 Account Info
Account Name NR/SMS/CAL Balance -

Account Number 57832XXXX Balance Updated -

Account Type Mortgage Recent Payment -

Joint with MELANIE Monthly Payment -

Responsibility
WEDLICK
Original Balance $373,800
Date Opened 02/21/2012
Highest Balance -
Status Paid, Closed/Never late.
Terms 15 Years
Status Updated Apr 2019
On Record Until Apr 2029

Mortgage Agency Name Fannie Mae ID

Mortgage Identification 100015306086693472

Number

 Payment History

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J F M A M J J A S O N D

2019    CLS — — — — — — — —

2018 — — — — — — —     

 Current / Terms met

CLS Closed

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

 Contact Info
Address 55 BEATTIE PL STE 110,
GREENVILLE SC 29601

Phone Number (866) 637-0744

NR/SMS/CAL

 Account Info
Account Name NR/SMS/CAL Balance -

Account Number 57893XXXX Balance Updated -

Account Type Mortgage Recent Payment -

Joint with MELANIE D Monthly Payment -

Responsibility
WEDLICK
Original Balance $300,000
Date Opened 04/18/2019
Highest Balance -
Status Paid, Closed/Never late.
Terms 15 Years
Status Updated Mar 2020
On Record Until Mar 2030

Mortgage Agency Name Fannie Mae ID

Mortgage Identification 100754400000845097

Number

 Payment History

J F M A M J J A S O N D

2020   CLS — — — — — — — — —

2019 — — —         

 Current / Terms met

CLS Closed

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

https://usa.experian.com/acr/printReport?type=CDI 27/49
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 Contact Info
Address 55 BEATTIE PL STE 110,
GREENVILLE SC 29601

Phone Number (866) 637-0744

NR/SMS/CAL

 Account Info
Account Name NR/SMS/CAL Balance -

Account Number 58011XXXX Balance Updated -

Account Type Mortgage Recent Payment -

Joint with MELANIE D Monthly Payment -

Responsibility
WEDLICK
Original Balance $378,000
Date Opened 03/23/2020
Highest Balance -
Status Paid, Closed/Never late.
Terms 20 Years
Status Updated Oct 2021
On Record Until Oct 2031

Mortgage Agency Name Freddie Mac ID

Mortgage Identification 100754400001375045

Number

 Payment History

J F M A M J J A S O N D

2021          CLS — —

2020 — — — —        

 Current / Terms met

CLS Closed

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

 Contact Info
Address 55 BEATTIE PL STE 110,
GREENVILLE SC 29601

Phone Number (866) 637-0744

NR/SMS/CAL

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 Account Info
Account Name NR/SMS/CAL Balance $341,539

Account Number 67489XXXX Balance Updated 08/31/2023

Account Type Mortgage Recent Payment $3,447 as of 8/1/2023

Joint with MELANIE D Monthly Payment $3,447

Responsibility
WEDLICK
Original Balance $367,800
Date Opened 10/07/2021
Highest Balance -
Status Open/Never late.
Terms 20 Years
Status Updated Aug 2023
Mortgage Agency Name Freddie Mac ID

Mortgage Identification 100754400002854691

Number

 Payment History

J F M A M J J A S O N D

2023         — — — —

2022            

2021 — — — — — — — — —   

 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Jul 2023 $342,774 $3,447 $3,447 on 7/1/2023

Jun 2023 $344,006 $3,447 $3,447 on 6/1/2023

May 2023 $345,236 $3,447 $3,447 on 5/1/2023

Apr 2023 $346,463 $3,447 $3,447 on 4/1/2023

Mar 2023 $347,688 $3,447 $3,447 on 3/1/2023

Feb 2023 $348,910 $3,447 $3,447 on 2/1/2023

Jan 2023 $350,130 $3,447 $3,447 on 1/1/2023

Dec 2022 $351,347 $3,447 $3,447 on 12/2/2022

Nov 2022 $352,541 $3,449 $3,376 on 11/1/2022

Oct 2022 $353,753 $3,376 $3,376 on 10/1/2022

Sep 2022 $354,963 $3,376 $3,376 on 9/1/2022

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Date Balance Scheduled Payment Paid

Aug 2022 $356,170 $3,376 $3,376 on 8/1/2022

Jul 2022 $357,374 $3,376 $3,376 on 7/1/2022

Jun 2022 $358,576 $3,376 $3,376 on 6/1/2022

May 2022 $359,776 $3,376 $3,376 on 5/1/2022

Apr 2022 $360,973 $3,376 $3,376 on 4/1/2022

Mar 2022 $362,167 $3,376 $3,376 on 3/1/2022

Feb 2022 $363,359 $3,376 $3,376 on 2/1/2022

Jan 2022 $364,549 $3,376 $3,376 on 1/1/2022

Dec 2021 $365,736 $3,376 $3,376 on 12/6/2021

Nov 2021 $366,901 $3,376 $0

Oct 2021 $366,901 $3,376 $0

Additional info
The original amount of this account was $367,800

 Contact Info
Address 55 BEATTIE PL STE 110,
GREENVILLE SC 29601

Phone Number (866) 637-0744

SYNCB/SCORE REWARDS DC

 Account Info
Account Name SYNCB/SCORE REWARDS Balance -
DC
Balance Updated -
Account Number 524364XXXXXXXXXX
Recent Payment -
Account Type Credit card
Monthly Payment -
Responsibility Individual
Credit Limit $1,024
Date Opened 10/16/2012
Highest Balance $73
Status Paid, Closed/Never late.
Terms -
Status Updated Dec 2014
On Record Until Dec 2024

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 Payment History

J F M A M J J A S O N D

2014            CLS

2013            

2012 — — — — — — — — —   

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Dec 2024.

 Contact Info
Address PO BOX 965005,
ORLANDO FL 32896

Phone Number (877) 471-5638

 Comment

Current:

Account closed at consumer's request.

Previous:

None

SYNOVUSBK/THDLOANSRVCS

 Account Info
Account Name SYNOVUSBK/THDLOANSRV Balance -
CS
Balance Updated -
Account Number 549269XXXXXXXXXX
Recent Payment -
Account Type Unsecured
Monthly Payment -
Responsibility Individual
Original Balance $5,851
Date Opened 05/27/2022
Highest Balance -
Status Paid, Closed/Never late.
Terms 66 Months
Status Updated Dec 2022
On Record Until Dec 2032

 Payment History

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J F M A M J J A S O N D

2022 — — — — — —      CLS

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Dec 2032.

 Balance Histories

Date Balance Scheduled Payment Paid

Nov 2022 $305 $117 $117 on 11/16/2022

Oct 2022 $422 $117 $0 on 9/22/2022

Sep 2022 $422 $117 $5,100 on 9/22/2022

Aug 2022 $5,522 $117 $229 on 8/23/2022

Jul 2022 $5,751 $112 $100 on 7/16/2022

Jun 2022 $5,494 $81 $0

Additional info
The original amount of this account was $5,851

 Contact Info
Address 5565 GLENRIDGE
CONNECTOR,
ATLANTA GA 30342

Phone Number (866) 936-0605

TD BANK N.A.

 Account Info
Account Name TD BANK N.A. Balance $0

Account Number 100425XXXXXXX Balance Updated 09/30/2023

Account Type Line of Credit Recent Payment $1 as of 9/8/2023

Responsibility Individual Monthly Payment $0

Date Opened 04/03/2012 Credit Limit $1,000

Status Open/Never late. Highest Balance $1,000

Status Updated Sep 2023 Terms -

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 Payment History

J F M A M J J A S O N D

2023          — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — — —   

 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Aug 2023 $0 $0 $0 on 4/8/2022

Jul 2023 $0 $0 $0 on 4/8/2022

Jun 2023 $0 $0 $0 on 4/8/2022

May 2023 $0 $0 $0 on 4/8/2022

Apr 2023 $0 $0 $0 on 4/8/2022

Mar 2023 $0 $0 $0 on 4/8/2022

Feb 2023 $0 $0 $0 on 4/8/2022

Jan 2023 $0 $0 $0 on 4/8/2022

Dec 2022 $0 $0 $0 on 4/8/2022

Nov 2022 $0 $0 $0 on 4/8/2022

Oct 2022 $0 $0 $0 on 4/8/2022

Sep 2022 $0 $0 $0 on 4/8/2022

Aug 2022 $0 $0 $0 on 4/8/2022

Jul 2022 $0 $0 $0 on 4/8/2022

Jun 2022 $0 $0 $0 on 4/8/2022

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Date Balance Scheduled Payment Paid

May 2022 $0 $0 $0 on 4/8/2022

Apr 2022 $0 $0 $274 on 4/8/2022

Mar 2022 $265 $20 $0 on 2/28/2022

Feb 2022 $265 $20 $100 on 2/28/2022

Jan 2022 $360 $28 $100 on 1/21/2022

Dec 2021 $451 $37 $250 on 12/28/2021

Nov 2021 $690 $20 $250 on 11/15/2021

Oct 2021 $355 $20 $90 on 10/15/2021

Additional info
Between Oct 2021 and Aug 2023, your credit limit/high balance was $1,000

 Contact Info
Address PO BOX 219,
LEWISTON ME 04243

Phone Number (866) 246-0192

US BANK

 Account Info
Account Name US BANK Balance $0

Account Number 403784XXXXXXXXXX Balance Updated 09/29/2023

Account Type Credit card Recent Payment $100 as of 9/27/2023

Responsibility Individual Monthly Payment $0

Date Opened 05/13/2019 Credit Limit $8,500

Status Open/Never late. Highest Balance $8,258

Status Updated Sep 2023 Terms -

 Payment History

J F M A M J J A S O N D

2023          — — —

2022            

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2021            

2020            

2019 — — — —        

 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Aug 2023 $0 $0 $356 on 8/21/2023

Jul 2023 $0 $0 $100 on 7/28/2023

Jun 2023 $0 $0 $457 on 6/27/2023

May 2023 $356 $40 $0 on 4/26/2023

Apr 2023 $0 $0 $50 on 4/26/2023

Mar 2023 $0 $0 $256 on 3/7/2023

Feb 2023 $256 $40 $0 on 12/28/2022

Jan 2023 $0 $0 $0 on 12/28/2022

Dec 2022 $0 $0 $364 on 12/28/2022

Nov 2022 $0 $0 $720 on 11/22/2022

Oct 2022 $0 $0 $150 on 10/12/2022

Sep 2022 $140 $115 $12,900 on 9/27/2022

Aug 2022 $8,323 $315 $750 on 8/22/2022

Jul 2022 $7,728 $165 $250 on 7/21/2022

Jun 2022 $3,462 $79 $875 on 6/22/2022

May 2022 $3,343 $40 $0 on 4/12/2022

Apr 2022 $0 $0 $1,671 on 4/12/2022

Mar 2022 $1,671 $55 $300 on 3/22/2022

Feb 2022 $815 $40 $200 on 2/22/2022

Jan 2022 $0 $0 $1,463 on 1/31/2022

Dec 2021 $1,363 $40 $500 on 12/14/2021

Nov 2021 $433 $0 $0 on 10/26/2021

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Date Balance Scheduled Payment Paid

Oct 2021 $0 $0 $244 on 10/26/2021

Additional info
Between Oct 2021 and Aug 2023, your credit limit/high balance was $8,500

 Contact Info
Address PO BOX 108,
SAINT LOUIS MO 63166

Phone Number (866) 234-4750

VISIONS FCU

 Account Info
Account Name VISIONS FCU Balance $0

Account Number 110008XXXXXXXX Balance Updated 09/07/2023

Account Type Line of Credit Recent Payment -

Responsibility Individual Monthly Payment $0

Date Opened 03/14/2006 Credit Limit $3,000

Status Open/Never late. Highest Balance $0

Status Updated Sep 2023 Terms -

 Payment History

J F M A M J J A S O N D

2023          — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — — —   

 Current / Terms met

 Balance Histories

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Date Balance Scheduled Payment Paid

Aug 2023 $0 $0 $0

Jul 2023 $0 $0 $0

Jun 2023 $0 $0 $0

May 2023 $0 $0 $0

Apr 2023 $0 $0 $0

Mar 2023 $0 $0 $0

Feb 2023 $0 $0 $0

Jan 2023 $0 $0 $0

Dec 2022 $0 $0 $0

Nov 2022 $0 $0 $0

Oct 2022 $0 $0 $0

Sep 2022 $0 $0 $0

Aug 2022 $0 $0 $0

Jul 2022 $0 $0 $0

Jun 2022 $0 $0 $0

May 2022 $0 $0 $0

Apr 2022 $0 $0 $0

Mar 2022 $0 $0 $0

Feb 2022 $0 $0 $0

Jan 2022 $0 $0 $0

Dec 2021 $0 $0 $0

Nov 2021 $0 $0 $0

Oct 2021 $0 $0 $0

Additional info
Between Oct 2021 and Aug 2023, your credit limit/high balance was $3,000

 Contact Info

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Address 24 MCKINLEY AVE,
ENDICOTT NY 13760

Phone Number (607) 754-7900

WF/TEMPUR

 Account Info
Account Name WF/TEMPUR Balance -

Account Number 577442XXXXXXXXXX Balance Updated -

Account Type Charge Card Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 12/14/2019 Credit Limit $7,700

Status Paid, Closed/Never late. Highest Balance $3,810

Status Updated Jan 2023 Terms -

On Record Until Jan 2033

 Payment History

J F M A M J J A S O N D

2023 CLS — — — — — — — — — — —

2022            

2021            

2020            

 Current / Terms met

CLS Closed

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

 Balance Histories

Date Balance Scheduled Payment Paid

Dec 2022 $0 $0 $0 on 4/10/2022

Nov 2022 $0 $0 $0 on 4/10/2022

Oct 2022 $0 $0 $0 on 4/10/2022

Sep 2022 $0 $0 $0 on 4/10/2022

Aug 2022 $0 $0 $0 on 4/10/2022

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Date Balance Scheduled Payment Paid

Jul 2022 $0 $0 $0 on 4/10/2022

Jun 2022 $0 $0 $0 on 4/10/2022

May 2022 $0 $0 $412 on 4/10/2022

Apr 2022 $412 $105 $210 on 3/27/2022

Mar 2022 $622 $105 $105 on 2/11/2022

Feb 2022 $727 $105 $105 on 1/14/2022

Jan 2022 $832 $105 $105 on 12/21/2021

Dec 2021 $937 $105 $105 on 11/21/2021

Nov 2021 $1,042 $105 $106 on 10/24/2021

Oct 2021 $1,148 $105 $210 on 9/26/2021

Additional info
Between Oct 2021 and Dec 2022, your credit limit/high balance was $7,700

 Contact Info
Address PO BOX 14517,
DES MOINES IA 50306

Phone Number (800) 642-4720

 Comment

Current:

Account closed at consumer's request.

Previous:

None

Public Records
Information gathered from courts or other government agencies about legal matters associated
with you. The most common Public Records are bankruptcies, tax liens, and monetary
judgments.

No public records reported.

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Hard Inquiries
Hard inquiries are requests for your consumer information based on an action or process
initiated by you generally related to a credit or other monetary obligation, such as when you
apply for credit, rental property, or utility service, or default on a loan causing it to be sent to a
collection agency. Hard inquiries are displayed to companies that receive your consumer report
and may stay on your report at least two years.

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BK OF AMER CAPITAL PNC BANK 700

Inquired on ONE AUTO Inquired on CREDIT/ROC
01/11/2023 FINANCE 01/11/2023 KLAND NISS
Inquired on Inquired on
PO BOX 01/11/2023 2730 12/06/2022
982238 EL LIBERTY AVE
PASO TX, PO BOX PITTSBURGH 608 ROUTE
79998 259407 PA, 15222 303 S
PLANO TX, BLAUVET NY,
Auto loan. This Auto loan. This
75025 10913
inquiry is inquiry is
scheduled to Auto loan. This scheduled to Auto loan. This
continue on inquiry is continue on inquiry is
record until Feb scheduled to record until Feb scheduled to
2025. continue on 2025. continue on
record until Feb record until Jan
2025. 2025.

NISSAN GREENSKY/T CAP1/CLUB

MOTOR HD LOAN Inquired on
ACCEPTANC SRVCES 01/19/2022
E Inquired on
Inquired on 05/27/2022 1500
12/06/2022 CAPITAL
5565 ONE DRIVE
8900 GLENRIDGE RICHMOND
FREEPORT CONNECTOR VA, 23285
PKWY ATLANTA
Unspecified.
IRVING TX, GA, 30342
This inquiry is
75063
Unspecified. scheduled to
This inquiry is continue on
Auto lease.
scheduled to record until Feb
This inquiry is
continue on 2024.
scheduled to
continue on record until Jun
record until Jan 2024.
2025.

Soft Inquiries
Soft inquiries are generally initiated by others, like companies making promotional offers or
lenders periodically reviewing your existing credit accounts. Soft inquiries also include checking

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your own credit report or using credit monitoring services, and have no impact on your credit.

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AMERICAN CAPITAL CAPITAL DISCOVER

EXPRESS 2 ONE ONE AUTO FINANCIAL
Inquired on Inquired on FIN PO# SVCS
09/20/2023 07/13/2023 Inquired on Inquired on
01/25/2023 01/06/2023
PO BOX 15000
981537, CAPITAL PO BOX 2500 LAKE
EL PASO TX ONE DR, 259407, COOK RD,
79998 RICHMOND PLANO TX RIVERWOOD
(800) 874- VA 23238 75025 S IL 60015
2717 (800) 946- (877) 728-
0332 3030

EXPERIAN EXPERIAN EXPERIAN GREENSKY

Inquired on Inquired on CS IDENTITY LLC
10/09/2023 02/18/2023, Inquired on Inquired on
01/11/2023, 10/09/2023 02/17/2023
475 ANTON 01/02/2023
BLVD, and 12/06/2 535 ANTON 5565
COSTA 022 BLVD STE GLENRIDGE
MESA CA 100, CONNECTOR
92626 475 ANTON COSTA ,
BLVD, MESA CA ATLANTA GA
COSTA 92626 30342
MESA CA (888) 795-
92626 6060

LEXISNEXIS/ LEXISNEXIS/ PNC BANK TD BANK

INS/P&C INS/STATE Inquired on N.A.
Inquired on FARM 01/11/2023 Inquired on
07/03/2023 Inquired on 08/14/2023
06/26/2023 1 PNC
1000 PLAZA 3RD ONE
ALDERMAN 1000 FL 249 5TH HERITAGE
DR, ALDERMAN AVE, SQ,
ALPHARETT DR, PITTSBURGH PORTLAND
A GA 30005 ALPHARETT PA 15222 ME 04112
(866) 323- A GA 30005 (888) 762- (800) 498-
0932 2265 4481

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On behalf of (800) 456-

AMERICAN 6004
STRATEGIC
INSUR for On behalf of
Insurance STATE FARM
underwriting INSURANCE
COM for
Insurance
underwriting

VISIONS WASHINGTO
FEDERAL N STATE
CREDIT U EMPL CU
Inquired on Inquired on
07/17/2023 10/09/2023

3301 PO BOX
COUNTRY WSECU,
CLUB RD, OLYMPIA WA
ENDWELL NY 98507
13760 (800) 562-
0999

Important Messages

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

Public Records Information

If your report contains public records, the Public Records section includes items from
courts that Experian may have obtained through a third party vendor, LexisNexis Risk
Data Management Inc. You may contact them at LexisNexis Consumer Center, PO Box
105615, Atlanta, GA 30348-5108, or visit https://experianconsumers.lexisnexis.com .

Contact Experian

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Online Phone Mail

Visit Experian.com/dispute to dispute any Monday - Friday Experian
inaccurate information, or click the 9am to 5pm PO Box 9701
dispute link next to the item. For FAQs (855) 414-6047 Allen, TX 75013
and online access to your Experian Credit
Report, Fraud Alerts, and Security
Freezes, visit Experian.com/help

Know Your Rights

Fair Credit Reporting Act (FCRA)

Para información en español, visite www.consumerfinance.gov/learnmore o escribe a
la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552.

A Summary of Your Rights Under the Fair Credit Reporting Act.

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

You must be told if information in your file has been used against you. Anyone who
uses a credit report or another type of consumer report to deny your application for
credit, insurance, or employment — or to take another adverse action against you — must
tell you, and must give you the name, address, and phone number of the agency that
provided the information.

You have the right to know what is in your file. You may request and obtain all the
information about you in the files of a consumer reporting agency (your "file disclosure").
You will be required to provide proper identification, which may include your Social
Security number. In many cases, the disclosure will be free. You are entitled to a free file
disclosure if:

a person has taken adverse action against you because of information in your credit
report;
you are the victim of identity theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.

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

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

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

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

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

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

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

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

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

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

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

Consumers Have The Right To Obtain A Security Freeze

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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.

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

FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:

1.a. Banks, savings associations, and credit a. Bureau of Consumer

unions with total assets of over $10 billion and Financial Protection
their affiliates. 1700 G Street NW
Washington, DC 20552
b. Such affiliates that are not banks, savings
associations, or credit unions also should list in b. Federal Trade
addition to the Bureau: Commission Consumer
Response Center
600 Pennsylvania Avenue
NW
Washington, DC 20580

2. To the extent not included in item 1 above: a. Office of the Comptroller

of the Currency
Customer Assistance Group

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a. National banks, federal savings associations, P.O. Box 53570

and federal branches and federal agencies of Houston, TX 77052
foreign banks
b. Federal Reserve
b. State member banks, branches and agencies of Consumer Help Center
foreign banks (other than federal branches, federal PO Box 1200
agencies, and insured state branches of foreign Minneapolis, MN 55480
banks), commercial lending companies owned or
controlled by foreign banks, and organizations c. Division of Depositor and
operating under section 25 or 25A of the Federal Consumer Protection
Reserve Act National Center for
Consumer and Depositor
c. Nonmember Insured banks, Insured State Assistance
Branches of Foreign Banks, and insured state Federal Deposit Insurance
savings associations Corporation
1100 Walnut Street, Box #11
d. Federal Credit Unions Kansas City, MO 64106

d. National Credit Union

Administration
Office of Consumer
Financial Protection
1775 Duke Street
Alexandria, VA 22314

3. Air carriers Assistant General Counsel

for Office of Aviation
Consumer Protection
Department of
Transportation
1200 New Jersey Avenue SE
Washington, DC 20590

4. Creditors Subject to Surface Transportation Office of Public Assistance,

Board Governmental Affairs, and
Compliance
Surface Transportation
Board
395 E Street SW
Washington, DC 20423

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5. Creditors Subject to Packers and Stockyards Nearest Packers and

Act Stockyards Division
Regional Office

6. Small Business Investment Companies Associate Administrator,

Office of Capital Access
United States Small
Business Administration
409 Third Street SW, Suite
8200
Washington, DC 20416

7. Brokers and Dealers Securities and Exchange

Commission
100 F Street NE
Washington, DC 20549

8. Federal Land Banks, Federal Land Bank Farm Credit Administration

Associations, Federal Intermediate Credit Banks, 1501 Farm Credit Drive
and Production Credit Associations McLean, VA 22102-5090

9. Retailers, Finance Companies, and All Other FTC Regional Office for
Creditors Not Listed Above region in which the creditor
operates or Federal Trade
Commission: Consumer
Response Center - FCRA
Washington, DC 20580
(877) 382-4357

Notification of Rights
Notification of Rights for California Consumers
Notification of Rights for Colorado Consumers
Notification of Rights for Connecticut Consumers
Notification of Rights for Maryland Consumers
Notification of Rights for Massachusetts Consumers
Notification of Rights for Texas Consumers
Notification of Rights for Vermont Consumers
Notification of Rights for Washington Consumers

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