Corene Boyd - TransUnion Personal Credit Report - 20160125 2

Report Created On: 01/25/2016
File Number: 338547614
-Begin Credit Report-
You have been on our files since 09/01/1970

SSN: XXX-XX-2208 Date of Birth: 08/10/1934
Your SSN has been masked for your protection.
Names Reported: CORENE J. BOYD
Addresses Reported:
Address Date Reported
RENDALIA ST, BELLFLOWER, CA 90706-4221 09/01/1993
W 13TH ST, SAN BERNARDINO, CA 92405-4952 09/05/2013
E IMPERIAL HWY, LYNWOOD, CA 90262-2728 10219 08/01/1993
HILDRETH AVE, SOUTH GATE, CA 90280-6847
Telephone Numbers Reported:
(562) 925-1229 (909) 880-7634 Employment Data
Reported:
Employer Name Location Position Date Verified
U S POST OFFICE 08/01/2003
US POSTAL CLRK 21YRS 04/01/1991
US POSTAL SERVICE LOS ANGELES, CA CLERK 05/01/1987
UNITED STATES POST OFFICE CA CLERK 08/01/1974
Typically, creditors report any changes made to your account information monthly. This means that some accounts listed below may not reflect the most recent activity until the
creditor's next reporting. This information may include things such as balances, payments, dates, remarks, ratings, etc. The key(s) below are provided to help you understand some of
the account information that could be reported.
Rating Key
Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings in the key below describe the payments that may be reported
by your creditors. Please note: Some but not all of these ratings may be present in your credit report.
Remarks Key
Additionally, some creditors may notate your account with comments each month. We refer to these creditor comments as 'Remarks'. The key below gives the descriptions of the
abbreviated remarks contained in your credit file. Any remark containing brackets > < indicates that this remark is considered adverse.
CBC ACCOUNT CLOSED BY CONSUMER CBG CLOSED BY CREDIT GRANTOR CLO CLOSED
INA INACTIVE ACCOUNT
The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note:
Accounts are reported as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid
on or before the due date.
BANK OF AMERICA #488893624224****

PO BOXZ 982238
EL PASO, TX 79998
(800) 421-2110
Date Opened: 06/01/1991 Date Updated: 01/14/2016 Pay Status: Current; Paid or Paying as
Agreed
Responsibility: Individual Account
Page 1 of 25
Revolving Payment Received: $0 Terms: $111 per month, paid
Account Last Payment Made: 01/07/2016 Monthly
Account Type:
Loan Type: CREDIT CARD
High Balance: High balance of $3,524 from 07/2013 to 07/2015; $3,770 from 08/2015 to 08/2015; $4,031 from 09/2015 to 09/2015; $4,168 from 10/2015 to 01/2016
Credit Limit: Credit limit of $3,500 from 07/2013 to 01/2016
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
07/2013 06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012
09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011
11/2011 10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011
01/2011 12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010
03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009
05/2009 04/2009 03/2009
Rating OK OK OK
Page 2 of 25
CAPITAL ONE #548042002537****
P O BOX 30253
SALT LAKE CITY, UT 84130-0253
(800) 477-6000
Date Opened: 04/29/2005

Date Updated: Pay Status: Current; Paid or Paying as
Responsibility: Individual
Last
Account
Payment Made: Agreed
Account Type: Revolving Account Terms: $85 per month, paid
Loan Type: CREDIT CARD Monthly
lance: High balance of $4,367 from 07/2013 to 12/2015 Credit Limit: Credit limit of
rom 07/2013 to 12/2015
12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015
$3,877 $3,848 $4,080 $3,930 $3,973 $4,011 $4,082 $4,101 $4,113 $4,181
ed
$85 $84 $88 $85 $89 $87 $88 $90 $89 $91
t
Paid
e $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
OK OK OK OK OK OK OK OK OK OK
02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014
$4,017 $3,844 $3,888 $3,960 $3,828 $3,903 $3,857 $3,807 $3,880 $3,865
ed
$83 $84 $85 $85 $83 $83 $84 $84 $84 $85
t
Paid
e $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013 07/2013
$3,935 $3,964 $3,959 $4,021 $4,080 $4,136 $4,192 $4,179 $4,246 $4,201
ed
$85 $88 $82 $87 $90 $89 $92 $90 $92 $92
t
Paid $150 $150 $150 $150
e $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012 09/2012
08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011
10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011
12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010 03/2010
02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009
Page 3 of 25
02/2009
04/2009 03/2009
OK OK OK
AL ONE / LEVITZ #5532211****

X 30253
KE CITY, UT 84130-0253
5-6950
ened: 08/03/1996
Balance: Pay Status: Current; Paid or Paying as
sibility: IndividualDate
Account
Updated: Agreed
t Type: RevolvingPayment
AccountReceived: Date Closed: 06/19/2012
pe: CHARGELast Payment Made: Date Paid: 03/30/2010
ACCOUNT High Balance:
Credit Limit:
s: CLOSED
05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011 10/2011 09/2011 08/2011
07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010 10/2010
09/2010 08/2010 07/2010 06/2010 05/2010 04/2010 03/2010 02/2010 01/2010 12/2009
OK OK OK N/R N/R OK OK OK OK OK
11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009 04/2009 03/2009 02/2009
01/2009 12/2008 11/2008 10/2008 09/2008 08/2008 07/2008 06/2008 05/2008 04/2008
03/2008 02/2008 01/2008 12/2007 11/2007 10/2007 09/2007 08/2007 07/2007 06/2007
05/2007 04/2007 03/2007 02/2007 01/2007 12/2006 11/2006 10/2006 09/2006 08/2006
07/2006 06/2006 05/2006 04/2006 03/2006 02/2006 01/2006 12/2005 11/2005 10/2005
09/2005 08/2005
OK OK
RON #100641****
AMOND BLVD ROOM
RD, CA 94520
3-8766
Date Opened:01/10/2001
Date Updated: Agreed
Last Payment Made: Date Closed: 12/07/2007
Page 4 of 25
High Balance:
Credit Limit:
t Type: Revolving Account
pe: CREDIT CARD
s: PURCHASED BY ANOTHER LENDER
03/2008 02/2008 01/2008 12/2007 11/2007 10/2007 09/2007 08/2007 07/2007 06/2007
05/2007 04/2007 03/2007 02/2007 01/2007 12/2006 11/2006 10/2006 09/2006 08/2006
OK OK OK N/R OK OK OK OK OK X
07/2006 06/2006 05/2006 04/2006 03/2006 02/2006 01/2006 12/2005 11/2005 10/2005
OK OK OK OK X OK OK OK OK OK
09/2005 08/2005 07/2005 06/2005 05/2005 04/2005 03/2005 02/2005 01/2005 12/2004
11/2004 10/2004 09/2004 08/2004 07/2004 06/2004 05/2004 04/2004 03/2004 02/2004
X OK OK OK OK OK OK OK OK OK
01/2004 12/2003 11/2003 10/2003 09/2003 08/2003 07/2003 06/2003 05/2003 04/2003
OK X OK OK OK OK OK OK OK OK
03/2003 02/2003 01/2003
OK OK OK
CITIFINANCIAL AUTO #204111****

2208 HIGHWAY 121 STE 100
BEDFORD, TX 76021-5981
Phone number not available

Responsibility: IndividualDate
Account
Updated: Agreed
Account Type: Installment
Payment
AccountReceived: Terms: $0 per month, paid Monthly
Loan Type: AUTOMOBILE
Last Payment Made: for 72 months
High Balance: Date Closed: 08/31/2009
Remarks: CLOSED
07/2009 06/2009 05/2009 04/2009 03/2009 02/2009 01/2009 12/2008 11/2008 10/2008
09/2008 08/2008 07/2008 06/2008 05/2008 04/2008 03/2008 02/2008 01/2008 12/2007
11/2007 10/2007 09/2007 08/2007 07/2007 06/2007 05/2007 04/2007 03/2007 02/2007
Page 5 of 25
12/2006 11/2006 10/2006 09/2006 08/2006 07/2006 06/2006 05/2006 04/2006
01/2007
Rating OK OK OK OK OK OK OK X OK OK
03/2006 02/2006 01/2006 12/2005 11/2005 10/2005 09/2005 08/2005 07/2005 06/2005
05/2005 04/2005 03/2005 02/2005 01/2005 12/2004 11/2004 10/2004 09/2004 08/2004
07/2004 06/2004 05/2004 04/2004 03/2004 02/2004 01/2004 12/2003 11/2003 10/2003
09/2003 08/2003
Rating OK OK
NITYBANK/RH #585637714040****
182789
BUS, OH 43218-2789
umber not available
ened: 04/20/1992 Balance: Pay Status: Current; Paid or Paying as

sibility: Individual Account Date Updated: Agreed
t Type: Revolving Account Date Closed:
Payment Received: 08/20/2008
pe: CHARGE Date Paid:
Last Payment Made: 04/16/2010
ACCOUNT High Balance:
Credit Limit:
s: CLOSED BY CREDIT GRANTOR
05/2010 04/2010 03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009
07/2009 06/2009 05/2009 04/2009 03/2009 02/2009 01/2009 12/2008 11/2008 10/2008
09/2008 08/2008 07/2008 06/2008 05/2008 04/2008 03/2008 02/2008 01/2008 12/2007
11/2007 10/2007 09/2007 08/2007 07/2007 06/2007 05/2007 04/2007 03/2007 02/2007
01/2007 12/2006 11/2006 10/2006 09/2006 08/2006 07/2006 06/2006 05/2006 04/2006
03/2006 02/2006 01/2006 12/2005 11/2005 10/2005 09/2005 08/2005 07/2005 06/2005
Page 6 of 25
05/2005 04/2005 03/2005 02/2005 01/2005 12/2004 11/2004 10/2004 09/2004 08/2004
07/2004 06/2004 05/2004 04/2004 03/2004 02/2004 01/2004 12/2003 11/2003 10/2003
09/2003 08/2003
OK OK
MACYS #43500587****
8218
OH 45050
9-6229
ened: 10/01/1990
sibility: IndividualPayment
Account Received: Agreed
t Type: RevolvingLast
Account
Payment Made: Terms: Paid Monthly
pe: CHARGE Date Closed: 11/06/2014
ACCOUNT Date Paid: 03/30/2012
High Balance: High balance of $4,343 from 07/2013 to 11/2014; $4,343 from 08/2015 to 08/2015
Credit Limit: Credit limit of $2,600 from 07/2013 to 02/2014; $100 from 03/2014 to 11/2014; $100 from 08/2015 to 08/2015
10/2014 09/2014 08/2014 07/2014 06/2014 05/2014 04/2014 03/2014 02/2014 01/2014
Balance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Amount Paid $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
12/2013 11/2013 10/2013 09/2013 08/2013 07/2013 06/2013 05/2013 04/2013 03/2013
Balance $0 $0 $0 $0 $0 $0
Amount Paid $0 $0 $0 $0 $0 $0
Past Due $0 $0 $0 $0 $0 $0
02/2013 01/2013 12/2012 11/2012 10/2012 09/2012 08/2012 07/2012 06/2012 05/2012
04/2012 03/2012 02/2012 01/2012 12/2011 11/2011 10/2011 09/2011 08/2011 07/2011
Page 7 of 25
06/2011 05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010 10/2010 09/2010
08/2010 07/2010 06/2010 05/2010 04/2010 03/2010 02/2010 01/2010 12/2009 11/2009
10/2009 09/2009 08/2009 07/2009 06/2009 05/2009 04/2009 03/2009 02/2009 01/2009
12/2008 11/2008 10/2008
Rating OK OK OK
DSNB/MACYS #44000740****
PO BOX 8218
MASON, OH 45050
(800) 289-6229
Date Opened: 07/20/1996 Balance: $0 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Date Updated: 08/25/2015 Agreed
Account Type: Revolving Account Payment Received: $0 Terms: Paid Monthly
Loan Type: CHARGE Last Payment Made: 12/10/2007 Date Closed: 06/16/2007
ACCOUNT High Balance: $365 Date Paid: 12/10/2007
Credit Limit: $300
Remarks: ACCOUNT CLOSED BY CONSUMER; CLOSED
07/2015 06/2015 05/2015 04/2015 03/2015 02/2015 01/2015 12/2014 11/2014 10/2014
09/2014 08/2014 07/2014 06/2014 05/2014 04/2014 03/2014 02/2014 01/2014 12/2013
11/2013 10/2013 09/2013 08/2013 07/2013 06/2013 05/2013 04/2013 03/2013 02/2013
01/2013 12/2012 11/2012 10/2012 09/2012 08/2012 07/2012 06/2012 05/2012 04/2012
03/2012 02/2012 01/2012 12/2011 11/2011 10/2011 09/2011 08/2011 07/2011 06/2011
05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010 10/2010 09/2010 08/2010
07/2010 06/2010 05/2010 04/2010 03/2010 02/2010 01/2010 12/2009 11/2009 10/2009
Page 8 of 25
09/2009 08/2009 07/2009 06/2009 05/2009 04/2009 03/2009 02/2009 01/2009 12/2008
Rating OK OK OK OK OK OK OK N/R OK OK
11/2008 10/2008
Rating OK OK
ELAN FINANCIAL #403769730201****

CB DISPUTES
PO BOX 108
SAINT LOUIS, MO 63166
(800) 558-3424
Responsibility: Individual Account Payment Received: $59 Agreed
Account Type: Revolving Account Last Payment Made: 12/07/2015 Terms: $57 per month, paid
Loan Type: CREDIT CARD Monthly
High Balance: High balance of $2,290 from 07/2013 to 05/2015; $2,339 from 06/2015 to 12/2015
12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015
Balance $1,934 $1,955 $2,114 $2,191 $2,173 $2,195 $2,251 $2,283 $1,999 $2,109
Scheduled
$57 $59 $101 $98 $61 $65 $86 $61 $59 $57
Payment
Amount Paid $59 $200 $159 $61 $65 $150 $100 $59 $150 $150
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014
Balance $2,066 $2,091 $2,197 $1,858 $1,916 $2,024 $2,135 $1,984 $1,992 $1,891
Scheduled
$58 $62 $54 $56 $60 $57 $57 $58 $54 $55
Payment
Amount Paid $150 $150 $150 $150 $150 $150 $150 $150 $150 $150
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013 07/2013
Balance $1,568 $1,574 $1,664 $1,761 $1,593 $1,723 $1,848 $1,975 $2,010 $2,060
Scheduled
$50 $50 $52 $52 $50 $55 $54 $54 $58 $56
Payment
Amount Paid $140 $150 $150 $150 $150 $150 $150 $150 $150 $150
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012 09/2012
08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011
Page 9 of 25
09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011
10/2011
Pay Status: Current; Paid or Paying as
Agreed
Terms: $38 per month, paid
Monthly
12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010 03/2010
02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009
04/2009 03/2009 02/2009
Rating OK OK OK
NORDSTROMTDBANKUSA #809049****
PO BOX 13589
SCOTTSDALE, AZ 85267
(800) 964-1800
Date Opened: 04/26/1991 Date Updated: 01/07/2016
Responsibility: Individual Account Payment Received: $0
Account Type: Revolving Account Last Payment Made: 09/02/2015
Loan Type: CHARGE
ACCOUNT
High Balance: High balance of $1,240 from 07/2013 to 01/2016
01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015
Balance $522 $0 $0 $0 $0 $252 $284 $377 $469 $494
Scheduled
$38 $38 $38 $38 $38 $35 $35
Payment
Amount Paid $0 $0 $0 $0 $252 $38 $100 $100 $35 $100
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
03/2015 02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014
Balance $583 $695 $681 $396 $512 $626 $731 $836 $728 $473
Scheduled
$35 $35 $35 $35 $35 $35 $37 $42 $37 $35
Payment
Amount Paid $125 $125 $125 $125 $125 $120 $120 $100 $120 $100
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
05/2014 04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013
Balance $563 $700 $683 $715 $801 $333 $425 $516 $604 $691
Scheduled
$35 $36 $35 $36 $41 $35 $35 $35 $35 $35
Payment
Amount Paid $150 $100 $100 $100 $100 $100 $100 $100 $100 $100
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
07/2013 06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012
Page 10 of 25
Rating
09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011
11/2011 10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011
01/2011 12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010
03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009
05/2009 04/2009 03/2009
Rating OK OK OK
PRIORITY ONE CU #26513****

1631 HUNTINGTON DR
PASADENA, CA 91108
(626) 441-1999
Account Type: Installment Account High Balance: $3,630 Terms: $177 per month, paid
Loan Type: UNSECURED Bi-weekly for 24 months
Date Closed: 06/16/2008
Remarks: CLOSED
05/2008 04/2008 03/2008 02/2008 01/2008 12/2007 11/2007 10/2007 09/2007 08/2007
Rating OK OK OK OK OK N/R OK OK OK OK
07/2007 06/2007 05/2007 04/2007 03/2007 02/2007
Rating OK OK OK OK OK OK
PRIORITY ONE CU #26513****

1631 HUNTINGTON DR
PASADENA, CA 91108
(626) 441-1999
Account Type: Installment Account High Balance: $4,550 Terms: $155 per month, paid
Loan Type: UNSECURED Bi-weekly for 36 months
Remarks: CLOSED
01/2007 12/2006 11/2006 10/2006 09/2006 08/2006 07/2006 06/2006 05/2006 04/2006
03/2006 02/2006 01/2006 12/2005 11/2005 10/2005 09/2005
Rating OK OK OK OK OK OK OK
SEARS/CBNA #504994802945****
PO BOX 6282
SIOUX FALLS, SD 57117-6282
(800) 917-7700
Page 11 of 25
08/01/1994 Date Updated: 12/29/2015 Pay Status: Current; Paid or Paying as
Individual Account Payment Received: $0 Agreed
Date Opened:
Responsibility:
Loan Type: CHARGE Monthly
ACCOUNT
High Balance: High balance of $5,378 from 07/2013 to 12/2015 Credit Limit: Credit limit of $5,730 from 07/2013 to 12/2015
12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015
Balance $4,321 $4,368 $4,476 $4,494 $4,543 $4,594 $4,642 $4,704 $4,762 $4,809
Scheduled
$137 $135 $167 $139 $143 $147 $140 $149 $151 $149
Payment
Amount Paid $0 $0 $0 $0 $0 $150 $155 $160 $150 $150
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014
Balance $4,817 $4,807 $4,816 $4,619 $4,683 $4,738 $4,801 $4,772 $4,675 $4,737
Scheduled
$142 $152 $149 $143 $151 $144 $152 $149 $145 $150
Payment
Amount Paid $160 $150 $145 $160 $160 $160 $150 $150 $160 $160
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013 07/2013
Balance $4,794 $4,783 $4,829 $4,904 $4,954 $5,011 $5,067 $5,117 $5,131 $5,110
Scheduled
$147 $151 $144 $159 $153 $155 $160 $158 $161 $162
Payment
Amount Paid $160 $150 $170 $160 $160 $161 $160 $0 $0 $0
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012 09/2012
08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011
10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011
12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010 03/2010
02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009
04/2009 03/2009 02/2009
Rating OK OK OK
Page 12 of 25
SPRINGLEAF FORMERLY AGF #711252302989****
919 BOND ST
EVANSVILLE, IN 47708-1151
(562) 531-7498
Account Type: Installment Account Last Payment Made: 05/09/2014
Loan Type: SECURED
High Balance: High balance of $3,083 from 07/2013 to 06/2014
Remarks: CLOSED Pay Status: Current; Paid or Paying as
Agreed
06/2014 05/2014 04/2014 Terms:
03/2014 02/2014$109 per 01/2014
month, paid 12/2013 11/2013 10/2013 09/2013
Monthly for 37 months
Balance $0 $258 $371 Date Closed:
$460 06/30/2014
$548 $651 $757 $857 $934 $1,013
Scheduled
$109 $109 $109 $109 $109 $109 $109 $109 $109 $109
Payment
Amount Paid $120 $120 $100 $100 $120 $120 $120 $100 $100 $120
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
10/2012 09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012
12/2011 11/2011 10/2011 09/2011 08/2011 07/2011
Rating OK OK OK OK OK OK
SYNCB/CHEVRON PLCC #706159100443****

P.O BOX 965015
ORLANDO, FL 32896-5015
(800) 243-8766
Responsibility: Individual Account Payment Received: $200 Agreed
Monthly
Loan Type: CHARGE
ACCOUNT
01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015
Balance $1,455 $1,538 $1,700 $1,751 $1,828 $1,773 $1,795 $1,901 $1,884 $1,935
Scheduled
$50 $54 $56 $187 $153 $59 $63 $96 $63 $90
Payment
Amount Paid $200 $200 $290 $200 $63 $63 $150 $100 $95 $125
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $2,050 $2,050 $2,050 $2,050 $2,050 $2,050 $2,050 $2,050 $2,050 $2,050
Page 13 of 25
02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014
03/2015
Balance $1,944 $1,934 $1,902 $1,885 $1,864 $1,921 $1,915 $1,907 $1,835 $1,832
Scheduled
$64 $95 $88 $63 $62 $66 $61 $64 $62 $59
Payment
Amount Paid $150 $125 $120 $125 $150 $130 $150 $120 $120 $120
Past Due $0 $0 $0 $0 $0
Agreed $0 $0 $0 $0 $0
Terms: Paid Monthly
High Balance $2,050 $2,018 $2,005 $2,005
Date Closed: $2,005
04/11/2013 $2,005 $2,001 $2,001 $2,001 $2,001
Date Paid: 03/07/2010
05/2014 04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013
Balance $1,751 $1,699 $1,674 $1,729 $1,752 $1,754 $1,801 $1,899 $1,894 $1,896
Scheduled
$58 $81 $57 $55 $60 $58 $60 $64 $62 $65
Payment
Amount Paid $150 $150 $140 $140 $140 $140 $140 $140 $140 $150
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $2,001 $2,001 $2,001 $2,001 $2,001 $2,001 $2,001 $2,001 $2,001 $2,001
07/2013 06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012
09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011
11/2011 10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011
01/2011 12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010
03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009
05/2009 04/2009 03/2009
Rating OK OK OK
SYNCB/HOWARDS #603459060377****
C/O P O BOX 965036
(866) 396-8254
Date Opened: 08/17/2006Balance: $0

Date Updated: 01/21/2016
Account Type: Revolving Account
Payment Received: $0
Loan Type: CHARGE Last Payment Made: 03/07/2010
ACCOUNTHigh Balance: $842
Credit Limit: $4,500
Remarks: CLOSED BY CREDIT GRANTOR; CLOSED
Page 14 of 25
11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015
12/2015
Page 15 of 25
OK OK OK OK OK OK OK OK OK
Rating OK
02/2015 01/2015 12/2014 11/2014

Pay Status: 10/2014Current; Paid
09/2014
or Paying as08/2014 07/2014 06/2014 05/2014
Agreed
Rating OK OK OK OK
Terms: OK $163 per month,
OK paid OK OK OK OK
Monthly
04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013 07/2013
06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012 09/2012
08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011
10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011
12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010 03/2010
02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009
04/2009 03/2009
Rating OK OK
SYNCB/JC PENNEY #600889778100****

PO BOX 965007
(866) 227-5213
Account Type: Revolving Account Last Payment Made: 12/10/2015
Loan Type: CHARGE
ACCOUNT
12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015
Balance $4,929 $5,000 $5,073 $5,097 $5,141 $5,200 $5,219 $5,275 $5,311 $5,340
Scheduled
$163 $161 $167 $164 $170 $175 $164 $174 $176 $172
Payment
Amount Paid $200 $200 $164 $180 $200 $165 $190 $180 $175 $170
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $5,459 $5,459 $5,459 $5,459 $5,459 $5,459 $5,459 $5,459 $5,459 $5,459
Page 16 of 25
01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014
02/2015
Balance $5,332 $5,378 $5,410 $5,407 $5,230 $5,252 $5,042 $5,073 $5,103 $5,023
Scheduled
$165 $178 $178 $171 $177 $162 $167 $168 $164 $166
Payment
Amount Paid $180 $180 $175 $180 $170 $170 $170 $170 $170 $170
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $5,459 $5,459 $5,410 $5,407 $5,252 $5,252 $5,110 $5,110 $5,109 $5,109
04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013 07/2013
Balance $5,054 $5,088 $4,907 $4,951 $4,976 $4,998 $5,037 $5,068 $5,101 $5,071
Agreed
Scheduled Terms: $167 Paid
$165 Monthly $158 $167
$163 $168 $152 Date Closed: 08/26/2009 $164 $168 $166
Payment
Date Paid: 04/01/2010
Amount Paid $170 $160 $170 $165 $160 $170 $170 $170 $170 $161
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $5,109 $5,109 $5,108 $5,108 $5,108 $5,108 $5,108 $5,108 $5,101 $5,100
06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012 09/2012
08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011
10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011
12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010 03/2010
02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009
04/2009 03/2009 02/2009
Rating OK OK OK
SYNCB/MERVYNS #604589112994****
PO BOX 965005
(800) 480-5014
Date Opened: 11/22/2002Balance: $0

Date Updated: 04/17/2015
Payment Received: $0
Loan Type: CHARGE Last Payment Made: 04/01/2010
ACCOUNTHigh Balance: $869
Credit Limit: $419
Remarks: CLOSED BY CREDIT GRANTOR; CLOSED
Page 17 of 25
02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014
03/2015
05/2014 04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013
07/2013 06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012
09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011
11/2011 10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011
01/2011 12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010
03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009
05/2009 04/2009 03/2009 02/2009 01/2009 12/2008 11/2008 10/2008 09/2008 08/2008
07/2008 06/2008
Rating OK OK
TD BANK USA/TARGET CREDI #511786200247****

PO BOX 673
MINNEAPOLIS, MN 55440
Phone number not available

Payment Received: Agreed
Last Payment Made: Terms: $46 per month, paid
Monthly
Loan Type: CREDIT CARD
Page 18 of 25
High Balance: High balance of $1,020 from 07/2013 to 09/2015; $1,078 from 10/2015 to 10/2015; $1,098 from 11/2015 to 01/2016
01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015
Balance $737 $699 $1,079 $1,078 $853 $851 $820 $835 $869 $879
Scheduled
$46 $27 $32 $29 $26 $26 $25 $26 $26 $27
Payment
Amount Paid $0 $400 $40 $30 $100 $100 $100 $50 $27 $75
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Remarks CBC CBC CBC
03/2015 02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014
Balance $860 $952 $886 $835 $820 $845 $788 $881 $806 $807
Scheduled
$25 $28 $27 $26 $25 $25 $25 $27 $25 $25
Payment
Amount Paid $125 $125 $120 $120 $120 $120 $110 $100 $120 $260
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
05/2014 04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013
Balance $956 $871 $790 $831 $779 $757 $754 $847 $859 $891
Scheduled
$52 $25 $25 $25 $25 $25 $25 $25 $27 $28
Payment
Amount Paid $0 $120 $120 $100 $100 $100 $110 $100 $100 $100
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
07/2013 06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012
09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011
11/2011 10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011
01/2011 12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010
03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009
05/2009 04/2009 03/2009
Rating OK OK OK
Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit
information on the dates specified. These inquiries will remain on your credit file for up to 2 years.
SYNCB
C/O PO BOX 965037
ORLANDO, FL 32896
(866) 419-4096
Requested On: 05/21/2015

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

370 CONVENTION WAY 640 N. LASALLE ST
REDWOOD CITY, CA 94063 CHICAGO, IL 60654

(800) 964-7937 (800) 712-5407
Requested On: 12/11/2015, 11/16/2015, 10/19/2015, 09/27/2015, 08/26/2015, Requested On: 10/20/2015, 08/26/2015
06/29/2015, 06/01/2015, 05/04/2015, 04/06/2015, 03/12/2015
AXCESS FINANCIAL/CNGO ELAN VISA

7755 MONTGOMERY RD
4325 17TH AVE S
STE 400
FARGO, ND 58103
CINCINNATI, OH 45236
(800) 558-3424
(888) 296-2274
Requested On: 10/12/2015, 06/22/2015
CASTLEPAYDAY.COM GE MONEY
E23967 CHOATE RD 4246 SOUTH RIVERBOAT RD
WATERSMEET, MI 49969 SALT LAKE CITY, UT 84123
(888) 945-2727 (866) 423-3796
Requested On: 09/30/2015 Requested On: 09/23/2015, 07/29/2015, 05/27/2015
MERRICK BANK PAYOFF

10705 S JORDAN GATEWAY 3200 PARK CENTER DRIVE
SUITE 200 SUITE #800
SOUTH JORDAN, UT 84095 COSTA MESA, CA 92626
(800) 253-2322 (800) 878-0901
Requested On: 09/21/2015, 06/19/2015, 03/31/2015 Requested On: 09/06/2015, 06/30/2015
FREEDOM FINANCIAL FIRST USA

4940 S WENDLER DR
800 BROOKSEDGE BLVD
SUITE 210
WESTERVILLE, OH 43081-2822
TEMPE, AZ 85282
(877) 242-7372
(800) 544-7211
Requested On: 08/05/2015, 07/01/2015
The listing of a company's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you.
These inquiries are not seen by anyone but you and will not be used in scoring your credit file (except insurance companies may have access to other insurance company inquiries,
certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries,
where permitted by law).
BANK OF AMERICA ELAN VISA

PO BOX 982238 PO BOX 108
EL PASO, TX 79998 SAINT LOUIS, MO 63166
(800) 421-2110 Phone number not available
Requested On: 01/20/2016 Requested On: 12/24/2015
SYNCB/CHEVRON PLCC SYNCB/JC PENNEY

P.O BOX 965015 PO BOX 965007
ORLANDO, FL 32896-5015 ORLANDO, FL 32896-5007
(800) 243-8766 (866) 227-5213
Requested On: 11/25/2015 Requested On: 11/25/2015
TRANSUNION INTERACTIVE I CORENE BOYD via KARMA/TRANSUNION INTERAC

100 CROSS ST 100 CROSS STREET
STE 202 SAN LUIS OBISP, CA 93401
SAN LUIS OBISP, CA 93401 (805) 782-8282
(888) 567-8688
Requested On: 05/21/2015 Permissible Purpose: CONSUMER REQUEST
Permissible Purpose: CREDIT MONITORING
-End of Credit Report-
Should you wish to contact TransUnion, you may do so,

Online:
To report an inaccuracy, please visit: dispute.transunion.com For
answers to general questions, please visit: www.transunion.com
By Mail:
TransUnion Consumer Relations
P.O. Box 2000 Chester,
PA 19016-2000
By Phone:
(800) 916-8800
You may contact us between the hours of 8:00 a.m. and 11:00 p.m. Eastern Time, Monday through
Friday, except major holidays.
For all correspondence, please have your TransUnion file number available
(located at the top of this report).
Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W.,
Washington, DC 20552.
A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer
reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as
agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your
major rights under the FCRA. For more information, including information about additional rights, go to
www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
You must be told if information in your file has been used against you.
Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment -- or to take
another adverse action against you -- must tell you, and must give you the name, address, and phone number of the agency that provided the
information.
You have the right to know what is in your file.
You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be
required to provide proper identification, which may include your Social Security Number. In many cases, the disclosure will be free. You are
entitled to a free file disclosure if:
a person has taken adverse action against you because of information in your credit report;
you are the victim of identity theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from
nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.
You have the right to ask for a credit score.
Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score
from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it.
In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information.
If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must
investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting
agency may continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information.
In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are
more than 10 years old.
Access to your file is limited.
A consumer reporting agency may provide information about you only to people with a valid need - usually to consider an application with a
creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers.
A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent
given to the employer. Written consent generally is not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore
You may limit "prescreened" offers of credit and insurance you get based on information in your credit report.
Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your
name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-567-8688 (888-
5OPTOUT).
You may seek damages from violators.
If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency
violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights.
For more information, visit www.consumerfinance.gov/learnmore
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights
under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For
information about your federal rights, contact:
TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of Bureau of Consumer Financial Protection
over $10 billion and their affiliates. 1700 G Street, N.W.
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit Federal Trade Commission
unions also should list, in addition to the CFPB: Consumer Response Center - FCRA
1-877-382-4357
2. To the extent not included in item 1 above: Office of the Comptroller of the Currency
a. National banks, federal savings associations, and federal branches Customer Assistance Group
and federal agencies of foreign banks 1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
b. State member banks, branches and agencies of foreign banks Federal Reserve Consumer Help (FRCH)
(other than federal branches, federal agencies, and insured state PO Box 1200
branches of foreign banks), commercial lending companies owned or Minneapolis, MN 55480
controlled by foreign banks, and organizations operating under section
25 or 25A of the Federal Reserve Act
c. Nonmember Insured Banks, Insured State Branches of Foreign FDIC Consumer Response Center
Banks, and Insured state savings associations 1100 Walnut Street, Box #11
Kansas City, MO 64106
d. Federal credit unions National Credit Union Administration
Office of Consumer Protection (OCP)
Division of Consumer Compliance and Outreach (DCCO)
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings
Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, S.E.
1-202-366-1306
4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation 395 E Street, S.W.
5. Creditors subject to 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, SW, 8th Floor
7. Brokers and Dealers Securities and Exchange Commission
100 F Street, N.E.
8. Federal Land Banks, Federal Land Bank Associations, Federal Farm Credit Administration
Intermediate Credit Banks, and Production Credit Associations 1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed FTC Regional Office for region in which the creditor operates or
Above Federal Trade Commission: Consumer Response Center-FCRA
1-877-382-4357
Information Regarding State Laws California Residents
You have the right to obtain a copy of your credit file from a consumer credit reporting agency. You may be charged a reasonable fee not
exceeding eight dollars ($8). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling
because of information in your credit report within the preceding 60 days. The consumer credit reporting agency must provide someone to help
you interpret the information in your credit file.
You have the right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any
credit repair company or credit service organization has the right to have accurate, current, and verifiable information removed from your credit
report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information from
your report only if it is over seven years old. Bankruptcy information can be reported for 10 years.
If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of information in your file, the consumer credit
reporting agency must then, within 30 business days, reinvestigate and modify or remove inaccurate information. The consumer credit
reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error
should be given to the consumer credit reporting agency.
If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to
keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about
disputed information in a report it issues about you.
You have a right to receive a record of all inquiries relating to a credit transaction initiated in 12 months preceding your request. This record
shall include the recipients of any consumer credit report.
You may request in writing that the information contained in your file not be provided to a third party for marketing purposes.
You have a right to place a "security alert" in your credit report, which will warn anyone who receives information in your credit report that your
identity may have been used without your consent. Recipients of your credit report are required to take reasonable steps, including contacting
you at the telephone number you may provide with your security alert, to verify your identity prior to lending money, extending credit, or
completing the purchase, lease, or rental of goods or services. The security alert may prevent credit, loans, and services from being approved
in your name without your consent. However, you should be aware that taking advantage of this right may delay or interfere with the timely
approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or cellular phone or other new account,
including an extension of credit at point of sale. If you place a security alert on your credit report, you have a right to obtain a free copy of your
credit report at the time the 90-day security alert period expires. A security alert may be requested by calling the following toll-free telephone
number: 800-680-7289. California consumers also have the right to obtain a "security freeze."
You have the right to place a "security freeze" on your credit report, which will prohibit a consumer credit reporting agency from releasing any
information in your credit report without your express authorization. A security freeze must be requested in writing by mail. 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 cellular
phone or other new account, including an extension of credit at point of sale. When you place a security freeze on your credit report, you will
be provided a personal identification number or password to use if you choose to remove the freeze on your credit report or authorize the
release of your credit report for a specific party or period of time after the freeze is in place. To provide that authorization you must contact the
consumer credit reporting agency and provide all of the following:
(1) The personal identification number or password.
(2) Proper identification to verify your identity.
(3) The proper information regarding the third party who is to receive the credit report or the period of time for which the report shall be
available to users of the credit report.
A consumer credit reporting agency must authorize the release of your credit report no later than three business days after receiving the above
information.
A security freeze does not apply when you have an existing account and a copy of your report is requested by your existing creditor or its
agents or affiliates for certain types of account review, collection, fraud control, or similar activities.
If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your application for
credit. You should plan ahead and lift a freeze, either completely if you are shopping around, or specifically for a certain creditor, before
applying for new credit.
A consumer credit reporting agency may not charge a fee to a consumer for placing or removing a security freeze if the consumer is a victim of
identity theft and submits a copy of a valid police report or valid Department of Motor Vehicles investigative report. A person 65 years of age or
older with proper identification may be charged a fee of no more than $5 for placing, lifting, or removing a security freeze. All other consumers
may be charged a fee of no more than $10 for each of these steps.
You have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file,
knowingly or willfully misuses file data, or fails to correct inaccurate file data.
If you are a victim of identity theft and provide to a consumer credit reporting agency a copy of a valid police report or a valid investigative
report made by a Department of Motor Vehicles investigator with peace officer status describing your circumstances, the following shall apply:
(1) You have a right to have any information you list on the report as allegedly fraudulent promptly blocked so that the information cannot be
reported. The information will be unblocked only if (A) the information you provide is a material misrepresentation of the facts, (B) you agree
that the information is blocked in error, or (C) you knowingly obtained possession of goods, services, or moneys as a result of the blocked
transactions. If blocked information is unblocked, you will be promptly notified.
(2) Beginning July 1, 2003 you have a right to receive, free of charge and upon request, one copy of your credit report each month for up to 12
consecutive months.

Corene Boyd - TransUnion Personal Credit Report - 20160125 2

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Report Created On: 01/25/2016

File Number: 338547614

-Begin Credit Report-

You have been on our files since 09/01/1970

BANK OF AMERICA #488893624224****

Responsibility: Individual Account

Date Opened: 04/29/2005

AL ONE / LEVITZ #5532211****

s: PURCHASED BY ANOTHER LENDER

CITIFINANCIAL AUTO #204111****

Date Opened: 08/13/2003

ened: 04/20/1992 Balance: Pay Status: Current; Paid or Paying as

ELAN FINANCIAL #403769730201****

Balance $522 $0 $0 $0 $0 $252 $284 $377 $469 $494

PRIORITY ONE CU #26513****

PRIORITY ONE CU #26513****

SYNCB/CHEVRON PLCC #706159100443****

Credit Limit: Credit limit of $2,000 from 07/2013 to 01/2016

Date Opened: 08/17/2006Balance: $0

02/2015 01/2015 12/2014 11/2014

SYNCB/JC PENNEY #600889778100****

Date Opened: 11/22/2002Balance: $0

TD BANK USA/TARGET CREDI #511786200247****

Date Updated: Pay Status: Current; Paid or Paying as

Remarks CBC CBC CBC

Requested On: 05/21/2015

LENDING CLUB WEBBANK/AVANT

REDWOOD CITY, CA 94063 CHICAGO, IL 60654

AXCESS FINANCIAL/CNGO ELAN VISA

Requested On: 09/30/2015 Requested On: 09/23/2015, 07/29/2015, 05/27/2015

MERRICK BANK PAYOFF

Requested On: 09/21/2015, 06/19/2015, 03/31/2015 Requested On: 09/06/2015, 06/30/2015

FREEDOM FINANCIAL FIRST USA

BANK OF AMERICA ELAN VISA

Requested On: 01/20/2016 Requested On: 12/24/2015

SYNCB/CHEVRON PLCC SYNCB/JC PENNEY

Requested On: 11/25/2015 Requested On: 11/25/2015

TRANSUNION INTERACTIVE I CORENE BOYD via KARMA/TRANSUNION INTERAC

-End of Credit Report-

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

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