Your TransUnion Credit Report Summary

Personal Credit Report for: A quick heads up:
JOSEPH LEFFEL
Your credit score is not included with
your TransUnion credit report.
File Number: Learn about your options to get your credit

338756205 score.
300 850
Date Created:
03/24/2021
Your TransUnion Credit Report

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! Personal Information
Your SSN has been masked for your protection.
Credit Report Date
03/24/2021
Social Security Number
XXX-XX-5901
Date of Birth
05/31/1952
Name
JOSEPH SAMUEL LEFFEL
Also Known As
AKA
:
JOE LEFFEL
AKA
J S. LEFFEL
Addresses
Current Address
654 CHESTNUT AVE TEANECK, NJ 07666-2402
Date Reported
12/01/1997
Phone Numbers
Phone Number
(914) 579-9422
Employers
Employer
HACKENSACK MERIDIAN HEALTH
Occupation Date Verified

IT 02/17/2020
RETIRED
Date Verified
09/14/2019
HACKEMNSACK MEDICAL CTR
Occupation Date Hired

SYSTEMS IT MANAGER 04/01/1999
Date Verified
10/08/2018
HACKENSACK UNIV MED CENTER

:
Occupation Date Verified
PROJECT MANAGER 12/28/2007
HACKENSACK MED CENTER
Date Verified
07/26/2006
HACKENSACK MEDICAL CENTER
Date Verified
05/01/2005
HACKENSACK UNIV MEDICAL CTR
Date Verified
04/01/2002
" Accounts
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 rating key is
provided to help you understand some of the account information that could be reported. Pay Status
represents the current status of accounts and indicates how you are currently paying. For accounts that have
been paid and closed, sold, or transferred, Pay Status represents the last reported status of the account.
Payment/Remarks Key
Ratings
OK Current, paying or paid as agreed
N/R Not Reported
X Unknown
30 Account 30 days late
120 Account 120 or more days late
COL Transferred to collection
VS Voluntarily surrendered
:
RPO Repossession
C/O Charged off by account provider
FC Foreclosure
Remarks
AAP: Loan assumed by another party
ACQ: Acquired from another lender
ACR: Account closed due to refinance
ACT: Account closed due to transfer
AFR: Account acquired by RTC/FDIC
AID: Account information disputed by consumer
AJP: Adjustment pending
AMD: Active military duty
AND: Affected by natural disaster
BAL: Balloon payment
BKL: Included in bankruptcy
BKW: Bankruptcy withdrawn
CAD: Dispute account/closed by consumer
CBC: Account closed by consumer
CBD: Dispute resolved/consumer disagrees/closed by consumer
CBG: Canceled by credit grantor
CBL: Chapter 7 bankruptcy
CBR: Chapter 11 bankruptcy
CBT: Chapter 12 bankruptcy
CLA: Placed for collection
CLO: Closed
CLS: Credit line suspended
CRB: Collateral released—balance owing
CTR: Account closed—transfer to refinance
CTS: Contact subscriber
DDR: -none-
DLU: Deed in lieu
DM: Bankruptcy dismissed
DRC: Dispute resolved/consumer disagrees
DRG: Dispute resolved reported by credit grantor
ER: Election of remedy
:
ETB: Early termination/balance owing
ETI: Early termination by default
ETO: Early termination/obligation settled
ETS: Early termination/status pending
FCL: Foreclosure
FPD: Account paid, foreclosure started
FPI: Foreclosure initiated
FRD: Foreclosure collateral sold
FTB: Full termination/balance owing
FTO: Full termination/obligation satisfied
FTS: Full termination/status pending
INA: Inactive account
INP: Debt being paid through insurance
INS: Paid by insurance
IRB: Involuntary repossession/balance owing
IRE: Involuntary repossession
IRO: Involuntary repossession/obligation satisfied
JUG: Judgment granted
LA: Lease assumption
LMN: Loan Modified Not GOVT (government)
LNA: Credit line is no longer available
MCC: Managed by credit counseling service
MOV: No forwarding address
NIR: Student loan not in repayment
NPA: Now paying
PAL: Purchase by another lender
PCL: Paid collection
PDD: Paid by dealer
PDE: Payment deferred
PDI: Principle deferred/initial payment only
PFC: Account paid from collateral
PLL: Prepaid lease
PLP: Profit and loss now paying
PNR: First payment never received
PPA: Paying partial payment agreement
PPD: Paid by co-maker
PPL: Paid profit and loss
:
PRD: Payroll deduction
PRL: Profit and loss write-off
PWG: Account payment, wage garnish
REA: Reaffirmation of debt
REP: Substitute/replacement account
RFN: Refinanced
RPD: Paid repossession
RPO: Repossession
RRE: Repossession redeemed
RVN: Returned voluntarily
RVR: Returned voluntarily/redeemed
SET: Settled—less than full balance
SGL: Government secured guaranteed
SIL: Simple interest loan
SLP: Student loan perm assign government
SPL: Single payment loan
STL: Credit card lost/stolen
TRF: Transfer
TRL: Transferred to another lender
TTR: Transferred to recovery
WEP: Chapter 13 bankruptcy
For account information other than payment history, we may show brackets > < to indicate information
that may negatively affect your credit health.
Adverse Accounts
Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To
help you understand what is generally considered adverse, we have added >brackets< to those items in this
report. For your protection, your account numbers have been partially masked, and in some cases scrambled.
Please note: Accounts are reported as "Current; Paid or paying as agreed" if paid within 30 days of the due
date. Accounts reported as Current may still incur late fees or interest charges if not paid on or before the
due date.
CAPITAL ONE BANK USA NA

529115804240****
Address Phone
P O Box 31293 Salt Lake City, UT 84131 (800) 955-7070
:
Monthly Payment Date Opened
$28 10/04/1997
Responsibility Account Type

Individual Account Revolving Account
Loan Type Date Updated

CREDIT CARD 02/23/2021
Last Payment Made Pay Status

02/18/2021 Current Account
Terms Date Closed

$28 per month; paid Monthly 11/06/2019
High Balance (Hist.) Credit Limit (Hist.)

High balance of $4,141 from 09/2018 to 04/2020; Credit limit of $4,300 from 09/2018 to 04/2020;
$4,141 from 08/2020 to 02/2021 $4,300 from 08/2020 to 02/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $1,264 $2,267 $2,502 ---
Past Due: $0 $0 $0 ---
Scheduled Payment: $33 $97 $70 ---
Remarks: CBC CBC --- ---
Rating:
OK OK OK OK
Feb
Balance: $1,181 $2,343 $2,489 ---
Past Due: $0 $58 $0 ---
Remarks: CBC CBC --- ---
Rating:
OK 30 OK OK
:
Mar
Balance: $2,076 $2,470 ---
Past Due: $0 $0 ---
Scheduled Payment: $53 $65 ---
Remarks: CBC --- ---
Rating:
OK OK OK
Apr
Balance: $2,007 $2,464 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: --- $2,431 ---
Past Due: --- $0 ---
Scheduled Payment: --- $67 ---
Remarks: --- --- ---
Rating:
30 OK OK
Jun
Balance: --- $2,408 ---
Past Due: --- $0 ---
Remarks: --- --- ---

:
Rating:
60 OK OK
Jul
Balance: --- $2,383 ---
Past Due: --- $0 ---
Remarks: --- --- ---
Rating:
90 OK OK
Aug
Balance: $1,838 $2,372 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $1,766 $2,440 $2,542
Past Due: $0 $0 $0
Scheduled Payment: $45 $93 $70
Rating:
OK OK OK
Oct
Balance: $1,692 $1,635 $2,546
Past Due: $0 $0 $0

:
Rating:
OK OK OK
Nov
Balance: $1,619 $2,355 $2,534
Past Due: $0 $0 $0
Remarks: CBC CBC ---
Rating:
OK OK OK
Dec
Balance: $1,443 $2,192 $2,519
Past Due: $0 $0 $0
Remarks: CBC CBC ---
Rating:
OK OK OK

523914968537****
Address Phone
P O Box 31293 Salt Lake City, UT 84131 (800) 955-7070

$75 07/24/2013


:
Terms Date Closed

$75 per month; paid Monthly 11/13/2019

$4,288 from 07/2020 to 03/2021 $5,500 from 07/2020 to 03/2021
Payment History
2021 2020 2019
Jan
Balance: $2,958 $3,993
Past Due: $0 $0
Scheduled Payment: $88 $122
Remarks: CBC CBC
Rating:
OK OK
Feb
Balance: $2,814 $4,116
Past Due: $0 $0
Remarks: CBC CBC
Rating:
OK OK
Mar
Balance: $2,713 $4,235
Past Due: $0 $122

:
Remarks: CBC CBC
Rating:
OK 30
Apr
Balance: $3,863
Past Due: $0
Scheduled Payment: $113
Remarks: CBC
Rating:
OK
May
Balance: $3,735
Past Due: $0
Remarks: CBC
Rating:
OK
Jun
Balance: ---
Past Due: ---
Scheduled Payment: ---
Remarks: ---
Rating:
30
Jul
Balance: $4,169
Past Due: $222

:
Remarks: CBC
Rating:
60
Aug
Balance: $3,596
Past Due: $0
Remarks: CBC
Rating:
OK
Sep
Balance: $3,413
Past Due: $0
Remarks: CBC
Rating:
OK
Oct
Balance: $3,326 ---
Past Due: $0 ---
Scheduled Payment: $96 ---
Remarks: CBC ---
Rating:
OK X
Nov
:
Balance: $3,240 $4,088
Past Due: $0 $0
Remarks: CBC CBC
Rating:
OK OK
Dec
Balance: $3,099 $4,211
Past Due: $0 $0
Remarks: CBC CBC
Rating:
OK OK
SUNOCO CITIBANK CBNA

1800055****
Address Phone
5800 South Corporate Place SIOUX FALLS, SD (800) 278-6626
57108
Date Opened Responsibility

08/01/1985 Individual Account
Account Type Loan Type

Revolving Account CREDIT CARD
Date Updated Last Payment Made

03/10/2021 12/14/2019
Pay Status Terms

Current Account Paid Monthly
Date Paid High Balance (Hist.)

12/14/2019 High balance of $1,162 from 09/2018 to 03/2021
Credit Limit (Hist.)

Credit limit of $1,000 from 09/2018 to 11/2019;
$300 from 12/2019 to 03/2021
:
Payment History
2021 2020 2019 2018
Jan
Balance: $0 $0 $0 ---
Past Due: $0 $0 $0 ---
Scheduled Payment: --- --- --- ---
Rating:
OK OK OK OK
Feb
Balance: $0 $0 $0 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $0 $0 $0 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Apr
Balance: $0 $0 ---
Past Due: $0 $0 ---
Scheduled Payment: --- --- ---
Rating:
OK OK OK
:
May
Balance: $0 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $0 $21 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $0 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $0 $41 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $0 $0 $9
:
Past Due: $0 $0 $0
Scheduled Payment: --- --- $9
Rating:
OK OK OK
Oct
Balance: $0 $46 $0
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $0 $75 $0
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $0 $116 $26
Past Due: $0 $56 $0
Scheduled Payment: --- $42 $26
Rating:
OK 30 OK
Satisfactory Accounts
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.
ALLY FINANCIAL
62892745****
Address Phone
P.O. BOX 380901 BLOOMINGTON, MN 55438 (888) 925-2559

$0 10/08/2018

Individual Account Installment Account

AUTOMOBILE 03/09/2020
Payment Received Last Payment Made

$0 03/09/2020
Pay Status Terms

Current Account $0 per month, paid Monthly for 75 months
Date Closed High Balance (Hist.)

03/09/2020 High balance of $22,525 from 12/2018 to 12/2019;
$22,525 from 03/2020 to 03/2020
Remarks
Account information disputed by consumer (FCRA);
CLOSED
Payment History
2020 2019 2018
Jan
Balance: --- $21,816
Past Due: --- $0
Amount Paid: --- $400
Scheduled Payment: --- $378
Rating:
OK OK
:
Feb
Balance: --- $21,555
Past Due: --- $0
Amount Paid: --- $400
Scheduled Payment: --- $378
Rating:
OK OK
Mar
Balance: $0 $21,278
Past Due: $0 $0
Amount Paid: $0 $400
Rating:
OK OK
Apr
Balance: $21,014
Past Due: $0
Amount Paid: $400
Rating:
OK
May
Balance: $20,743
Past Due: $0
Amount Paid: $400

:
Rating:
OK
Jun
Balance: $20,475
Past Due: $0
Amount Paid: $400
Rating:
OK
Jul
Balance: $20,201
Past Due: $0
Amount Paid: $400
Rating:
OK
Aug
Balance: $19,930
Past Due: $0
Amount Paid: $400
Rating:
OK
Sep
Balance: $19,656
Past Due: $0
Amount Paid: $400

:
Rating:
OK
Oct
Balance: $19,377
Past Due: $0
Amount Paid: $400
Rating:
OK
Nov
Balance: $19,101
Past Due: $0
Amount Paid: $400
Rating:
OK
Dec
Balance: $18,818 $22,075
Past Due: $0 $0
Rating:
OK OK
AMERICAN EXPRESS
349992024042****
:
Address Phone
PO BOX 981537 EL PASO, TX 79998 (800) 874-2717

$41 04/19/1986


Pay Status Terms

Current Account $41 per month; paid Monthly

High balance of $4,306 from 09/2018 to 02/2021 Credit limit of $14,800 from 09/2018 to 04/2019;
$19,200 from 05/2019 to 07/2019; $22,000 from
08/2019 to 02/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $1,896 $2,258 $1,967 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $1,720 $2,090 $1,860 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
:
Balance: $1,918 $1,766 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Apr
Balance: $1,960 $2,000 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $1,880 $1,910 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $1,757 $2,720 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $2,321 $2,967 ---
Past Due: $0 $0 ---

:
Rating:
OK OK OK
Aug
Balance: $2,153 $2,935 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $2,087 $2,796 $2,630
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $1,919 $2,728 $2,468
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $1,745 $2,570 $2,303
Past Due: $0 $0 $0
Rating:
OK OK OK
:
Dec
Balance: $1,568 $2,409 $2,136
Past Due: $0 $0 $0
Rating:
OK OK OK
BANK OF AMERICA
426452510165****
Address Phone
PO BOX 982238 EL PASO, TX 79998-2235 (800) 421-2110

$56 02/21/2008



Terms High Balance (Hist.)

$56 per month; paid Monthly High balance of $8,903 from 09/2018 to 02/2021

Credit limit of $7,200 from 09/2018 to 02/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $3,145 $3,405 $723 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
:
Feb
Balance: $3,071 $3,637 $805 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $3,934 $1,003 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Apr
Balance: $3,964 $988 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $3,847 $1,058 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
:
Balance: $3,729 $1,058 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $3,650 $3,691 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $3,581 $3,524 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $3,531 $3,533 $867
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $3,460 $3,467 $775
Past Due: $0 $0 $0

:
Rating:
OK OK OK
Nov
Balance: $3,389 $3,402 $808
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $3,317 $3,334 $690
Past Due: $0 $0 $0
Rating:
OK OK OK
BANK OF AMERICA
37444795332****
Address Phone
PO BOX 982238 EL PASO, TX 79998-2235 (800) 421-2110

$43 08/28/2006




:
Payment History
2021 2020 2019 2018
Jan
Balance: $2,591 $1,394 $2,648 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $2,813 $1,253 $2,015 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $2,680 $1,111 $1,877 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Apr
Balance: $1,118 $1,740 ---
Past Due: $0 $0 ---

:
Rating:
OK OK OK
May
Balance: $1,422 $1,601 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $1,364 $1,621 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $1,410 $1,508 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $1,269 $1,307 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
:
Sep
Balance: $1,716 $1,805 $3,170
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $2,743 $1,812 $3,041
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $2,813 $1,674 $2,911
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $2,707 $1,534 $2,780
Past Due: $0 $0 $0
Rating:
OK OK OK
BARCLAYS BANK DELAWARE

00031303273****
:
Address Phone
PO BOX 8803 WILMINGTON, DE 19899 (888) 232-0780

$214 07/27/2018


FLEXIBLE SPENDING CREDIT CARD 02/28/2021

$214 02/23/2021
Pay Status Terms


$9,200 from 03/2020 to 02/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $7,910 $9,155 $8,091
High Balance: $9,878 $9,878 $8,091
Past Due: $0 $0 $0
Amount Paid: $213 $256 $371
Rating:
OK OK OK
Feb
Balance: $7,831 $9,063 $9,478
High Balance: $9,878 $9,878 $9,535
Past Due: $0 $0 $0
:
Amount Paid: $214 $259 $230
Rating:
OK OK OK
Mar
Balance: $8,962 $9,379
High Balance: $9,878 $9,535
Past Due: $0 $0
Rating:
OK OK
Apr
Balance: $8,770 $9,809
Past Due: $0 $0
Rating:
OK OK
May
Balance: $8,677 $9,707
Past Due: $0 $0
Rating:
:
OK OK
Jun
Balance: $8,595 $9,616
Past Due: $0 $0
Rating:
OK OK
Jul
Balance: $8,504 $9,514 ---
High Balance: $9,878 $9,878 ---
Past Due: $0 $0 ---
Amount Paid: $232 $278 ---
Rating:
OK OK OK
Aug
Balance: $8,424 $9,425 ---
High Balance: $9,878 $9,878 ---
Past Due: $0 $0 ---
Amount Paid: $225 $269 ---
Rating:
OK OK OK
Sep
:
Balance: $8,340 $9,328 $3,753
High Balance: $9,878 $9,878 $3,753
Past Due: $0 $0 $0
Amount Paid: $227 $273 $60
Rating:
OK OK OK
Oct
Balance: $8,252 $9,228 $7,485
High Balance: $9,878 $9,878 $7,510
Past Due: $0 $0 $0
Amount Paid: $225 $268 $200
Rating:
OK OK OK
Nov
Balance: $8,174 $9,271 $7,623
High Balance: $9,878 $9,878 $7,681
Past Due: $0 $0 $0
Amount Paid: $218 $258 $400
Rating:
OK OK OK
Dec
Balance: $7,987 $9,241 $7,944
High Balance: $9,878 $9,878 $7,989

:
Past Due: $0 $0 $0
Amount Paid: $321 $261 $216
Rating:
OK OK OK

00005587669****
Address Phone

$29 08/09/2007



$130 03/01/2021
Pay Status Terms


High balance of $1,382 from 09/2018 to 03/2021 Credit limit of $1,000 from 09/2018 to 03/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $705 $794 $332 ---
Past Due: $0 $0 $0 ---
Amount Paid: $100 $320 $60 ---
Rating:
OK OK OK OK
:
Feb
Balance: $843 $883 $529 ---
Past Due: $0 $0 $0 ---
Amount Paid: $110 $60 $60 ---
Rating:
OK OK OK OK
Mar
Balance: $732 $845 $483 ---
Past Due: $0 $0 $0 ---
Amount Paid: $130 $60 $60 ---
Rating:
OK OK OK OK
Apr
Balance: $806 $399 ---
Past Due: $0 $0 ---
Amount Paid: $60 $360 ---
Rating:
OK OK OK
May
Balance: $766 $605 ---
Past Due: $0 $0 ---

:
Rating:
OK OK OK
Jun
Balance: $725 $649 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $684 $453 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $743 $716 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $702 $614 $174
Past Due: $0 $0 $0
:
Amount Paid: $60 $160 $224
Rating:
OK OK OK
Oct
Balance: $661 $717 $174
Past Due: $0 $0 $0
Amount Paid: $60 $60 $60
Rating:
OK OK OK
Nov
Balance: $619 $653 $150
Past Due: $0 $0 $0
Amount Paid: $60 $120 $160
Rating:
OK OK OK
Dec
Balance: $627 $731 $322
Past Due: $0 $0 $0
Rating:
OK OK OK
BRANCH B&T
:
8099290660782****
Address Phone
223 WEST NASH ST WILSON, NC 27893 (888) 562-6228

$379 02/17/2020

Joint Account Installment Account

AUTOMOBILE 02/28/2021

$379 02/02/2021
Pay Status Terms

High Balance (Hist.)

High balance of $22,897 from 02/2020 to 02/2021
Payment History
2021 2020
Jan
Balance: $20,330
Past Due: $0
Amount Paid: $379
Rating:
OK
Feb
Balance: $20,042 $22,946
Past Due: $0 $0

:
Rating:
OK OK
Mar
Balance: $22,681
Past Due: $0
Amount Paid: $379
Rating:
OK
Apr
Balance: $22,791
Past Due: $0
Amount Paid: $0
Rating:
OK
May
Balance: $22,525
Past Due: $0
Amount Paid: $379
Rating:
OK
Jun
Balance: $22,253
Past Due: $0
Amount Paid: $379

:
Rating:
OK
Jul
Balance: $21,983
Past Due: $0
Amount Paid: $379
Rating:
OK
Aug
Balance: $21,712
Past Due: $0
Amount Paid: $379
Rating:
OK
Sep
Balance: $21,437
Past Due: $0
Amount Paid: $379
Rating:
OK
Oct
Balance: $21,163
:
Past Due: $0
Amount Paid: $379
Rating:
OK
Nov
Balance: $20,884
Past Due: $0
Amount Paid: $379
Rating:
OK
Dec
Balance: $20,608
Past Due: $0
Amount Paid: $379
Rating:
OK
CITICARDS CBNA
542418124155****
Address Phone
5800 SOUTH CORPORATE PLACE SIOUX FALLS, (888) 248-4728
SD 57108

$23 04/19/2017

:



Payment History
2021 2020 2019 2018
Jan
Balance: $770 $754 $1,206 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $783 $692 $1,193 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $898 $625 $1,135 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
:
Apr
Balance: $573 $1,136 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $521 $1,078 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $467 $1,052 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $311 $1,021 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $291 $961 ---
:
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $412 $999 $1,417
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $490 $939 $1,392
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $451 $880 $1,312
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $616 $817 $1,231
Past Due: $0 $0 $0
Rating:
:
OK OK OK
COMENITY BANK/BLAIR
578098101181****
Address Phone
PO BOX 182120 COLUMBUS, OH 43218-2120 Phone number not available


Revolving Account CHARGE ACCOUNT
Date Updated Payment Received

02/28/2021 $0

Terms Date Paid

Paid Monthly 12/16/2019
Payment History
2021 2020 2019 2018
Jan
Balance: $0 --- --- ---
Credit Limit: $1,360 --- --- ---
High Balance: $847 --- --- ---
Past Due: $0 --- --- ---
Amount Paid: $0 --- --- ---
Rating:
OK OK OK OK
Feb
Balance: $0 $0 $60 ---

:
Credit Limit: $1,360 $1,360 $1,360 ---
High Balance: $847 $847 $847 ---
Past Due: $0 $0 $0 ---
Amount Paid: $0 $69 $0 ---
Scheduled Payment: --- --- $5 ---
Rating:
OK OK OK OK
Mar
Balance: $0 $0 ---
Credit Limit: $1,360 $1,360 ---
High Balance: $847 $847 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Apr
Balance: --- $0 ---
Credit Limit: --- $1,360 ---
High Balance: --- $847 ---
Past Due: --- $0 ---
Amount Paid: --- $60 ---
Rating:
OK OK OK
May
:
Balance: $0 --- ---
Credit Limit: $1,360 --- ---
High Balance: $847 --- ---
Past Due: $0 --- ---
Amount Paid: $69 --- ---
Rating:
OK OK OK
Jun
Balance: $0 $0 ---
Credit Limit: $1,360 $1,360 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: --- $154 ---
Credit Limit: --- $1,360 ---
High Balance: --- $847 ---
Past Due: --- $0 ---
Amount Paid: --- $0 ---
Rating:
OK OK OK
Aug
:
Balance: $0 $185 ---
Credit Limit: $1,360 $1,360 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $0 $113 $78
Credit Limit: $1,360 $1,360 $1,360
High Balance: $847 $847 $847
Past Due: $0 $0 $0
Scheduled Payment: --- $27 $27
Rating:
OK OK OK
Oct
Balance: --- --- $107
Credit Limit: --- --- $1,360
High Balance: --- --- $847
Past Due: --- --- $0
Amount Paid: --- --- $0
Rating:
OK OK OK
:
Nov
Balance: $0 $69 ---
Credit Limit: $1,360 $1,360 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Dec
Balance: $0 $0 $32
Credit Limit: $1,360 $1,360 $1,360
High Balance: $847 $847 $847
Past Due: $0 $0 $0
Rating:
OK OK OK
COMENITY CAPITAL/HABAND
578097955860****
Address Phone
PO BOX 182120 COLUMBUS, OH 43218-2120 Phone number not available



03/07/2021 $0
:
Terms Date Paid


High balance of $200 from 09/2018 to 07/2019; Credit limit of $880 from 09/2018 to 03/2021
$237 from 08/2019 to 10/2019; $382 from 11/2019
to 03/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $0 $276 $0 ---
Past Due: $0 $0 $0 ---
Amount Paid: $0 $100 $0 ---
Scheduled Payment: --- $27 --- ---
Rating:
OK OK OK OK
Feb
Balance: $0 $316 $0 ---
Past Due: $0 $0 $0 ---
Amount Paid: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $0 $258 $0 ---
Past Due: $0 $0 $0 ---
Amount Paid: $0 $70 $0 ---

:
Rating:
OK OK OK OK
Apr
Balance: $297 $0 ---
Past Due: $0 $0 ---
Scheduled Payment: $15 --- ---
Rating:
OK OK OK
May
Balance: $206 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $242 $42 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $168 $151 ---
:
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $201 $168 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $102 $186 $0
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $163 $143 $0
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
:
Balance: $0 $321 $0
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $0 $363 $0
Past Due: $0 $0 $0
Rating:
OK OK OK
DISCOVER FINCL SVC LLC

601120886983****
Address Phone
PO BOX 15316 WILMINGTON, DE 19850-5316 (800) 347-2683

$50 06/10/2015




$50 per month; paid Monthly High balance of $4,256 from 09/2018 to 10/2018;
$4,307 from 11/2018 to 02/2021
:
$11,500 from 03/2019 to 06/2020; $3,400 from
07/2020 to 02/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $1,501 $2,440 $4,019 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $1,485 $2,240 $3,753 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $2,264 $3,719 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Apr
Balance: $2,348 $3,549 ---
Past Due: $0 $0 ---

:
Rating:
OK OK OK
May
Balance: $2,433 $3,373 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $2,218 $3,243 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $2,636 $3,098 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $2,545 $3,181 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
:
Sep
Balance: $2,345 $3,064 $4,209
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $2,139 $2,925 $4,197
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $1,931 $2,764 $4,307
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $1,718 $2,595 $4,178
Past Due: $0 $0 $0
Rating:
OK OK OK

601149943303****
:
Address Phone
PO BOX 15316 WILMINGTON, DE 19850-5316 (800) 347-2683

$36 09/15/2005





$3,500 from 07/2020 to 03/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $1,777 $3,865 $3 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $1,609 $3,837 $3 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
:
Mar
Balance: $1,439 $3,808 $3 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Apr
Balance: $3,625 $3 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $3,151 $136 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $2,974 $185 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $2,798 $5 ---

:
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $2,625 $77 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $2,453 $414 $230
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $2,282 $1,919 $51
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $2,114 $2,385 $125
Past Due: $0 $0 $0
Rating:
:
OK OK OK
Dec
Balance: $1,945 $2,869 $3
Past Due: $0 $0 $0
Rating:
OK OK OK
DSNB/MACYS
42243802****
Address Phone
PO BOX 8218 MASON, OH 45050 (800) 289-6229


Balance Date Updated

$0 02/28/2019

$0 12/26/2013
High Balance Credit Limit

$255 $100
Pay Status Terms

Date Closed Date Paid

06/29/2016 12/26/2013
Remarks
CLOSED BY CREDIT GRANTOR; CLOSED
Payment History
2019 2018 2017 2016

:
Jan
Rating: OK OK OK OK
Feb
Rating: OK OK OK
Mar
Rating: OK OK OK
Apr
Rating: OK OK OK
May
Rating: OK OK OK
Jun
Rating: OK OK OK
Jul
Rating: OK OK OK
Aug
Rating: OK OK OK
Sep
Rating: OK OK OK
Oct
:
Rating:
OK OK OK
Nov
Rating: OK OK OK
Dec
Rating: OK OK OK
ELAN FINANCIAL
417903000544****
Address Phone
CB DISPUTES,PO BOX 108 SAINT LOUIS, MO 63166 (866) 234-4750

$73 08/29/2013



$150 02/01/2021
Pay Status Terms


Payment History
2021 2020 2019 2018
Jan
Balance: $3,045 $4,160 $5,184 ---
Past Due: $0 $0 $0 ---
Amount Paid: $0 $150 $150 ---

:
Rating:
OK OK OK OK
Feb
Balance: $2,928 $4,218 $5,259 ---
Past Due: $0 $0 $0 ---
Amount Paid: $150 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $3,968 $5,177 ---
Past Due: $0 $0 ---
Amount Paid: $300 $150 ---
Rating:
OK OK OK
Apr
Balance: $3,865 $4,943 ---
Past Due: $0 $0 ---
Amount Paid: $150 $300 ---
Rating:
OK OK OK
May
Balance: $3,914 $4,861 ---
:
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $3,657 $4,932 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $3,553 $4,695 ---
Past Due: $0 $0 ---
Amount Paid: $150 $300 ---
Rating:
OK OK OK
Aug
Balance: $3,448 $4,615 ---
Past Due: $0 $0 ---
Amount Paid: $150 $150 ---
Rating:
OK OK OK
:
Sep
Balance: $3,337 $4,527 $5,643
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $3,231 $4,435 $5,412
Past Due: $0 $0 $0
Amount Paid: $150 $150 $300
Rating:
OK OK OK
Nov
Balance: $3,118 $4,497 $5,335
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $3,006 $4,252 $5,262
Past Due: $0 $0 $0
Amount Paid: $150 $300 $150

:
Rating:
OK OK OK
ELAN FINANCIAL
403766003035****
Address Phone
CB DISPUTES,PO BOX 108 SAINT LOUIS, MO 63166 (866) 234-4750

$62 08/01/2013



$66 02/01/2021
Pay Status Terms


$5,000 from 01/2019 to 02/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $1,341 $1,562 $1,201 ---
Past Due: $0 $0 $0 ---
Amount Paid: $64 $59 $51 ---
Rating:
OK OK OK OK
Feb
:
Balance: $1,317 $1,549 $1,347 ---
Past Due: $0 $0 $0 ---
Amount Paid: $66 $62 $51 ---
Rating:
OK OK OK OK
Mar
Balance: $1,536 $1,351 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Apr
Balance: $1,526 $1,342 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $1,507 $1,334 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
:
Jun
Balance: $1,484 $1,322 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $1,466 $1,500 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $1,443 $1,611 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $1,421 $1,604 $1,109
Past Due: $0 $0 $0

:
Rating:
OK OK OK
Oct
Balance: $1,404 $1,591 $1,097
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $1,380 $1,584 $1,089
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $1,360 $1,570 $1,058
Past Due: $0 $0 $0
Rating:
OK OK OK
EXXNMOBIL/CITIBANK CBNA
730241952180****
:
Address Phone
5800 South Corporate Place SIOUX FALLS, SD Phone number not available
57108


Date Updated Last Payment Made

02/22/2021 01/20/2021
Pay Status Terms



Credit limit of $700 from 09/2018 to 02/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $0 $0 $0 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $0 $0 $0 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
:
Mar
Balance: $0 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Apr
Balance: $0 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $0 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $0 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $0 $0 ---
:
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $0 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $0 $0 $0
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $0 $0 $14
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $0 $14 $0
Past Due: $0 $0 $0
Rating:
:
OK OK OK
Dec
Balance: $11 $0 $0
Past Due: $0 $0 $0
Rating:
OK OK OK
JPMCB AUTO FINANCE

1073620908****
Address Phone
PO BOX 901003,CREDIT BUREAU DISPUTE (800) 336-6675
PROCESSG FORT WORTH, TX 76101

$0 12/31/2007

Individual Account Installment Account
Loan Type Balance

AUTOMOBILE $0

01/13/2013 $260
Last Payment Made High Balance

01/11/2013 $13,476
Pay Status Terms

Date Closed Remarks

01/13/2013 CLOSED
Payment History
2012 2011 2010 2009
Jan
:
Rating: OK OK OK OK
Feb
Rating: OK OK OK OK
Mar
Rating: OK OK OK OK
Apr
Rating: OK OK OK OK
May
Rating: OK OK OK OK
Jun
Rating: OK OK OK OK
Jul
Rating: OK OK OK OK
Aug
Rating: OK OK OK OK
Sep
Rating: OK OK OK OK
Oct
Rating: OK OK OK OK
:
Nov
Rating: OK OK OK OK
Dec
Rating: OK OK OK OK
JPMCB CARD SERVICES

426684132860****
Address Phone

$35 08/23/2005





Payment History
2021 2020 2019 2018
Jan
Balance: $763 $305 $486 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
:
Feb
Balance: $731 $377 $464 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $556 $441 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Apr
Balance: $504 $419 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $471 $396 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $438 $373 ---
:
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $404 $350 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $371 $327 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $337 $304 $575
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $303 $270 $553
Past Due: $0 $0 $0

:
Rating:
OK OK OK
Nov
Balance: $584 $236 $531
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $765 $203 $509
Past Due: $0 $0 $0
Rating:
OK OK OK
JPMCB CARD SERVICES

421156610950****
Address Phone

$35 08/10/2007





:
Payment History
2021 2020 2019 2018
Jan
Balance: $528 $630 $430 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $502 $718 $413 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $831 $395 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Apr
Balance: $744 $378 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
:
May
Balance: $721 $360 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $699 $342 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $675 $323 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $652 $304 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $628 $285 $495

:
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $604 $255 $479
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $579 $224 $463
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $554 $193 $446
Past Due: $0 $0 $0
Rating:
OK OK OK
JPMCB CARD SERVICES

418586800354****
:
Address Phone

$35 07/02/2004





Payment History
2021 2020 2019 2018
Jan
Balance: $971 $590 $136 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $948 $563 $113 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
:
Balance: $534 $90 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Apr
Balance: $505 $66 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $476 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $864 $85 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $832 $599 ---
Past Due: $0 $0 ---

:
Rating:
OK OK OK
Aug
Balance: $836 $721 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $865 $696 $226
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $877 $670 $204
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $853 $644 $182
Past Due: $0 $0 $0
Rating:
OK OK OK
:
Dec
Balance: $845 $617 $159
Past Due: $0 $0 $0
Rating:
OK OK OK
JPMCB CARD SERVICES

414740021111****
Address Phone

$137 11/14/2014



Terms Credit Limit (Hist.)

$137 per month; paid Monthly Credit limit of $5,500 from 09/2018 to 02/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $5,189 $5,416 $4,556 ---
High Balance: $5,498 $5,465 $4,649 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
:
Feb
Balance: $5,214 $5,435 $4,697 ---
High Balance: $5,498 $5,474 $4,738 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $5,402 $4,855 ---
High Balance: $5,474 $4,894 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Apr
Balance: $5,438 $4,911 ---
High Balance: $5,485 $4,911 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $5,384 $4,854 ---
High Balance: $5,498 $4,911 ---
Past Due: $0 $0 ---

:
Rating:
OK OK OK
Jun
Balance: $5,415 $4,928 ---
High Balance: $5,498 $4,972 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $5,441 $5,067 ---
High Balance: $5,498 $5,118 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $5,438 $5,193 ---
High Balance: $5,498 $5,239 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $5,435 $5,259 $4,278
High Balance: $5,498 $5,259 $4,649

:
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $5,401 $5,312 $4,234
High Balance: $5,498 $5,365 $4,649
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $5,385 $5,276 $4,194
High Balance: $5,498 $5,365 $4,649
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $5,377 $5,412 $4,292
High Balance: $5,498 $5,412 $4,649
Past Due: $0 $0 $0
Rating:
OK OK OK
:
JPMCB CARD SERVICES
546626400012****
Address Phone

$193 08/30/2005




$193 per month; paid Monthly High balance of $19,968 from 09/2018 to 01/2019;
$19,968 from 03/2019 to 02/2021

$13,200 from 03/2019 to 02/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $9,333 $10,444 $11,026 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $9,240 $10,338 --- ---
Past Due: $0 $0 --- ---
Scheduled Payment: $193 $228 --- ---

:
Rating:
OK OK OK OK
Mar
Balance: $10,214 $10,792 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Apr
Balance: $10,119 $10,696 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $10,014 $12,053 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $9,917 $11,938 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
:
Balance: $9,814 $11,813 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $9,718 $11,696 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $9,620 $10,783 $11,379
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $9,520 $10,666 $11,263
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $9,524 $10,657 $11,250
Past Due: $0 $0 $0
:
Rating:
OK OK OK
Dec
Balance: $9,425 $10,546 $11,134
Past Due: $0 $0 $0
Rating:
OK OK OK
JPMCB CARD SERVICES

426684111313****
Address Phone

$35 09/12/2006




$35 per month; paid Monthly High balance of $661 from 09/2018 to 03/2021

Payment History
2021 2020 2019 2018
Jan
Balance: $170 $379 $484 ---
:
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $152 $364 $478 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $134 $347 $459 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Apr
Balance: $330 $465 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $313 $458 ---
Past Due: $0 $0 ---

:
Rating:
OK OK OK
Jun
Balance: $296 $454 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $279 $449 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $261 $445 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $244 $440 $97
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
:
Balance: $225 $425 $223
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $207 $410 $404
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $189 $395 $397
Past Due: $0 $0 $0
Rating:
OK OK OK
JPMCB HOME LENDING

156005230****
Address Phone
700 KANSAS LANE,MAIL CODE LA4-6945 (800) 848-9136
MONROE, LA 71203

$0 12/07/2001

Joint Account Mortgage Account
Loan Type Balance

CONVENTIONAL REAL ESTATE MTG $0
:
09/14/2015 $3,278
Last Payment Made High Balance

09/11/2015 $158,000
Pay Status Terms

Date Closed Remarks

09/14/2015 CLOSED
Payment History
2015 2014 2013 2012
Jan
Rating: OK OK OK OK
Feb
Rating: OK OK OK OK
Mar
Rating: OK OK OK OK
Apr
Rating: OK OK OK OK
May
Rating: OK OK OK OK
Jun
Rating: OK OK OK OK
Jul
:
Rating: N/R OK OK OK
Aug
Rating: OK OK OK OK
Sep
Rating: OK OK OK
Oct
Rating: OK OK OK
Nov
Rating: OK OK OK
Dec
Rating: OK OK OK
LAKELAND BANK
100000000991200001****
Address Phone
PO BOX 460 BRANCHVILLE, NJ 07826-0460 (973) 697-2000

12/02/1999 Joint Account

Line of Credit Account HOME EQUITY LOAN

01/15/2020 $0

:
Terms Date Closed


Payment History
2020 2019 2018 2017
Jan
Balance: $0 $0 --- ---
Past Due: $0 $0 --- ---
Amount Paid: $0 $0 --- ---
Remarks: CLO --- --- ---
Rating:
OK OK OK OK
Feb
Balance: $0 --- ---
Past Due: $0 --- ---
Remarks: --- --- ---
Rating:
OK OK OK
Mar
Balance: $0 --- ---
Past Due: $0 --- ---
Remarks: --- --- ---

:
Rating:
OK OK OK
Apr
Balance: $0 --- ---
Past Due: $0 --- ---
Remarks: --- --- ---
Rating:
OK OK OK
May
Balance: $0 --- ---
Past Due: $0 --- ---
Remarks: --- --- ---
Rating:
OK OK OK
Jun
Balance: $0 --- ---
Past Due: $0 --- ---
Remarks: --- --- ---
Rating:
OK OK OK
Jul
Balance: $0 --- ---
Past Due: $0 --- ---

:
Remarks: --- --- ---
Rating:
OK OK OK
Aug
Balance: $0 --- ---
Past Due: $0 --- ---
Remarks: --- --- ---
Rating:
OK OK OK
Sep
Balance: $0 $0 ---
Past Due: $0 $0 ---
Remarks: --- --- ---
Rating:
OK OK OK
Oct
Balance: $0 $0 ---
Past Due: $0 $0 ---
Remarks: --- --- ---
Rating:
OK OK OK
Nov
Balance: $0 $0 ---
:
Past Due: $0 $0 ---
Remarks: --- --- ---
Rating:
OK OK OK
Dec
Balance: $0 $0 ---
Past Due: $0 $0 ---
Remarks: CLO --- ---
Rating:
OK OK OK
MERRICK BANK
412061407102****
Address Phone
po box 9201 old bethpage, NY 11804 (800) 204-5936

$55 02/08/2013



$52 03/04/2021
Pay Status Terms


High balance of $1,983 from 09/2018 to 08/2020; Credit limit of $3,200 from 09/2018 to 03/2021
$2,180 from 09/2020 to 03/2021
Payment History
:
2021 2020 2019 2018
Jan
Balance: $2,082 $1,572 $1,399 ---
Past Due: $0 $0 $0 ---
Amount Paid: $56 $36 $40 ---
Rating:
OK OK OK OK
Feb
Balance: $2,057 $1,555 $1,383 ---
Past Due: $0 $0 $0 ---
Amount Paid: $56 $42 $40 ---
Rating:
OK OK OK OK
Mar
Balance: $2,039 $1,660 $1,370 ---
Past Due: $0 $0 $0 ---
Amount Paid: $52 $41 $38 ---
Rating:
OK OK OK OK
Apr
Balance: $1,539 $1,354 ---
Past Due: $0 $0 ---

:
Rating:
OK OK OK
May
Balance: $1,523 $1,341 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $1,506 $1,326 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $1,425 $1,312 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $1,851 $1,297 ---
:
Past Due: $0 $0 ---
Rating:
OK OK OK
Sep
Balance: $2,168 $1,284 $1,458
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $2,146 $1,270 $1,443
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $2,126 $1,255 $1,428
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
:
Balance: $2,104 $1,243 $1,414
Past Due: $0 $0 $0
Rating:
OK OK OK
SYNCB/AMAZON PLCC
604578100668****
Address Phone
PO BOX 965015 ORLANDO, FL 32896-5015 (866) 634-8379



03/01/2021 $0

Terms Date Paid


$2,066 from 05/2019 to 11/2019; $2,066 from $4,200 from 05/2019 to 11/2019; $4,200 from
01/2020 to 10/2020; $2,066 from 12/2020 to 01/2020 to 10/2020; $4,200 from 12/2020 to
03/2021 03/2021
Payment History
2021 2020 2019 2018
Jan
:
Balance: $63 $0 $0 ---
Past Due: $0 $0 $0 ---
Scheduled Payment: $27 --- --- ---
Rating:
OK OK OK OK
Feb
Balance: $0 $0 $0 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $0 $13 $27 ---
Past Due: $0 $0 $0 ---
Scheduled Payment: --- $13 $25 ---
Rating:
OK OK OK OK
Apr
Balance: $45 --- ---
Past Due: $0 --- ---
Rating:
OK OK OK
:
May
Balance: $96 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $63 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $185 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $160 $0 ---
Past Due: $0 $0 ---

:
Rating:
OK OK OK
Sep
Balance: $133 $0 $0
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $73 $58 $0
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: --- $10 $0
Past Due: --- $0 $0
Amount Paid: --- $58 $0
Rating:
OK OK OK
Dec
Balance: $12 --- $0
Past Due: $0 --- $0

:
Amount Paid: $152 --- $0
Rating:
OK OK OK
SYNCB/JC PENNEY
600889197509****
Address Phone
PO BOX 965007 ORLANDO, FL 32896-5007 (866) 227-5213


Balance Date Updated

$0 08/25/2014

$0 12/17/2013
High Balance Credit Limit

$480 $2,300
Pay Status Terms

Date Closed Remarks

08/25/2014 ACCT CLOSED DUE TO TRANSFER; CLOSED
Payment History
2014 2013 2012 2011
Jan
Rating: OK OK OK OK
Feb
Rating: OK OK OK OK
:
Mar
Rating: OK OK OK OK
Apr
Rating: OK OK OK OK
May
Rating: OK OK OK OK
Jun
Rating: OK OK OK OK
Jul
Rating: OK OK OK OK
Aug
Rating: OK OK OK
Sep
Rating: OK OK OK
Oct
Rating: OK OK OK
Nov
Rating: OK OK OK
Dec
:
Rating:
OK OK OK
SYNCB/JCPENNEY
546680201281****
Address Phone
PO BOX 965007 ORLANDO, FL 32896-5007 (866) 227-5213

$27 07/10/2014



$0 02/18/2021
Pay Status Terms


$1,909 from 02/2019 to 05/2019; $1,909 from $1,100 from 02/2019 to 05/2019; $1,100 from
10/2019 to 10/2019; $1,909 from 12/2019 to 10/2019 to 10/2019; $1,900 from 12/2019 to
03/2021 03/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $396 $914 --- ---
Past Due: $0 $0 --- ---
Amount Paid: $50 $31 --- ---
Rating:
OK OK OK OK
Feb
:
Balance: $304 $903 $0 ---
Past Due: $0 $0 $0 ---
Amount Paid: $0 $30 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $304 $854 $0 ---
Past Due: $0 $0 $0 ---
Amount Paid: $0 $70 $0 ---
Rating:
OK OK OK OK
Apr
Balance: $771 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $679 $0 ---
Past Due: $0 $0 ---
Rating:
:
OK OK OK
Jun
Balance: $593 --- ---
Past Due: $0 --- ---
Rating:
OK OK OK
Jul
Balance: $580 --- ---
Past Due: $0 --- ---
Rating:
OK OK OK
Aug
Balance: $566 --- ---
Past Due: $0 --- ---
Rating:
OK OK OK
Sep
Balance: $529 --- $217
Past Due: $0 --- $0

:
Scheduled Payment: $27 --- $38
Rating:
OK OK OK
Oct
Balance: $513 $0 $261
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $497 --- $144
Past Due: $0 --- $0
Rating:
OK OK OK
Dec
Balance: $437 $924 $186
Past Due: $0 $0 $0
Rating:
OK OK OK
SYNCB/PPC
604419222904****
:
Address Phone
PO BOX 965005 ORLANDO, FL 32896 (844) 373-4961

$43 11/23/2007



$41 03/07/2021
Pay Status Terms


$3,100 from 02/2020 to 03/2021
Payment History
2021 2020 2019
Jan
Balance: $1,649 $2,036
Past Due: $0 $0
Rating:
OK OK
Feb
Balance: $1,629 $2,014
Past Due: $0 $0
Amount Paid: $0 $52

:
Rating:
OK OK
Mar
Balance: $1,615 $2,009
Past Due: $0 $0
Rating:
OK OK
Apr
Balance: $1,988
Past Due: $0
Amount Paid: $52
Rating:
OK
May
Balance: $1,977 ---
Past Due: $0 ---
Amount Paid: $50 ---
Rating:
OK OK
Jun
Balance: $1,982 ---
Past Due: $0 ---

:
Rating:
OK OK
Jul
Balance: $1,939 ---
Past Due: $0 ---
Rating:
OK OK
Aug
Balance: $1,921 ---
Past Due: $0 ---
Rating:
OK OK
Sep
Balance: $1,886 ---
Past Due: $0 ---
Rating:
OK OK
Oct
Balance: $1,872 $1,835

:
Past Due: $0 $0
Rating:
OK OK
Nov
Balance: $1,796 $1,972
Past Due: $0 $0
Rating:
OK OK
Dec
Balance: $1,765 $1,955
Past Due: $0 $0
Rating:
OK OK
SYNCB/WALMART DUAL CARD

523914103318****
Address Phone
P O BOX 965024 ORLANDO, FL 32896-5024 (855) 893-5848


:
10/10/2019 $0

Terms Date Closed


Remarks
PURCHASED BY ANOTHER LENDER
Payment History
2019 2018 2017 2016
Jan
Balance: $4,114 --- --- ---
Past Due: $0 --- --- ---
Amount Paid: $123 --- --- ---
Rating:
OK OK OK OK
Feb
Balance: $4,061 --- --- ---
Past Due: $0 --- --- ---
Amount Paid: $132 --- --- ---
Rating:
OK OK OK OK
Mar
Balance: $4,028 --- --- ---

:
Past Due: $0 --- --- ---
Amount Paid: $120 --- --- ---
Rating:
OK OK OK OK
Apr
Balance: $4,081 --- --- ---
Past Due: $0 --- --- ---
Amount Paid: $128 --- --- ---
Rating:
OK OK OK OK
May
Balance: $4,043 --- --- ---
Past Due: $0 --- --- ---
Amount Paid: $126 --- --- ---
Rating:
OK OK OK OK
Jun
Balance: $3,976 --- --- ---
Past Due: $0 --- --- ---
Amount Paid: $228 --- --- ---
Rating:
OK OK OK OK
:
Jul
Balance: $4,083 --- --- ---
Past Due: $0 --- --- ---
Amount Paid: $125 --- --- ---
Rating:
OK OK OK OK
Aug
Balance: $4,131 --- --- ---
Past Due: $0 --- --- ---
Amount Paid: $129 --- --- ---
Rating:
OK OK OK OK
Sep
Balance: $4,114 $4,123 --- ---
Past Due: $0 $0 --- ---
Amount Paid: $131 $128 --- ---
Rating:
OK OK OK OK
Oct
Balance: $0 $4,085 --- ---
Past Due: $0 $0 --- ---
Amount Paid: $0 $125 --- ---

:
Rating:
OK OK OK OK
Nov
Balance: $4,040 --- ---
Past Due: $0 --- ---
Rating:
OK OK OK
Dec
Balance: $3,999 --- ---
Past Due: $0 --- ---
Rating:
OK OK OK
SYW MC/CBNA
512106521998****
Address Phone
57108

$28 03/29/2015



:

$500 from 03/2020 to 03/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $365 $500 $1,249 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $285 $444 $1,194 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $213 $318 $1,145 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Apr
Balance: $259 $1,093 ---
:
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $138 $1,043 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $0 $992 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $13 $890 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $11 $840 ---
Past Due: $0 $0 ---

:
Rating:
OK OK OK
Sep
Balance: $189 $792 $1,462
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $184 $684 $1,409
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $196 $632 $1,354
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $234 $581 $1,302
Past Due: $0 $0 $0
Rating:
OK OK OK
:
TD BANK USA/TARGET CREDI
511786301286****
Address Phone
NCD-0240,PO BOX 1470 MINNEAPOLIS, MN 55440 Phone number not available

$65 01/14/2009



$65 03/07/2021
Pay Status Terms


$3,600 from 11/2018 to 10/2019; $4,400 from
11/2019 to 12/2019; $6,000 from 01/2020 to
03/2021
Payment History
2021 2020 2019 2018
Jan
Balance: $2,163 $1,959 $1,878 ---
High Balance: $2,181 $1,992 $1,893 ---
Past Due: $0 $0 $0 ---
Amount Paid: $60 $56 $56 ---
Rating:
OK OK OK OK
Feb
Balance: $2,189 $1,942 $1,859 ---

:
High Balance: $2,210 $1,992 $1,893 ---
Past Due: $0 $0 $0 ---
Amount Paid: $64 $60 $59 ---
Rating:
OK OK OK OK
Mar
Balance: $2,163 $1,920 $1,844 ---
High Balance: $2,210 $1,992 $1,893 ---
Past Due: $0 $0 $0 ---
Amount Paid: $65 $60 $59 ---
Rating:
OK OK OK OK
Apr
Balance: $1,968 $1,980 ---
High Balance: $2,082 $1,992 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
Balance: $1,640 $1,959 ---
High Balance: $2,082 $1,992 ---
Past Due: $0 $0 ---

:
Rating:
OK OK OK
Jun
Balance: $1,778 $1,940 ---
High Balance: $2,082 $1,992 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $1,812 $1,817 ---
High Balance: $2,082 $1,992 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $1,900 $1,798 ---
High Balance: $2,082 $1,992 ---
Past Due: $0 $0 ---
Rating:
:
OK OK OK
Sep
Balance: $2,031 $1,780 $1,745
High Balance: $2,082 $1,992 $1,881
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $2,046 $1,771 $1,725
High Balance: $2,082 $1,992 $1,881
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $2,072 $1,754 $1,709
High Balance: $2,082 $1,992 $1,881
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
:
Balance: $2,068 $1,838 $1,873
High Balance: $2,090 $1,992 $1,891
Past Due: $0 $0 $0
Rating:
OK OK OK
THE HOME DEPOT/CBNA

603532071933****
Address Phone
57108

$28 01/14/2003


CHARGE ACCOUNT 03/20/2021

$0 03/16/2021
Pay Status Terms


Payment History
2021 2020 2019 2018
Jan
Balance: $360 $0 $0 ---
:
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Feb
Balance: $214 $0 $0 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Mar
Balance: $164 $0 $0 ---
Past Due: $0 $0 $0 ---
Rating:
OK OK OK OK
Apr
Balance: $0 $23 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
May
:
Balance: $0 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jun
Balance: $0 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Jul
Balance: $0 $0 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
Aug
Balance: $0 $54 ---
Past Due: $0 $0 ---
Rating:
OK OK OK
:
Sep
Balance: $0 $0 $283
Past Due: $0 $0 $0
Rating:
OK OK OK
Oct
Balance: $404 $67 $162
Past Due: $0 $0 $0
Rating:
OK OK OK
Nov
Balance: $276 $0 $65
Past Due: $0 $0 $0
Rating:
OK OK OK
Dec
Balance: $176 $0 $0
Past Due: $0 $0 $0

:
Rating:
OK OK OK
# Inquiries
Regular Inquiries
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.
Name
CAPITAL ONE NA
Location Requested On
15000 CAPITAL ONE DRIVE 01/06/2021
US364412
RICHMOND, VA 23238
Phone Inquiry Type

(800) 955-7070 Individual
CITIZENS ONE
1 CITIZENS DRIVE 02/17/2020
RIVERSIDE, RI 02915
Phone Inquiry Type

(800) 610-7300 Participant
WELLSFARGODEALERSVCS
PO BOX 1697 02/17/2020
WINTERVILLE, NC 28590
Phone Inquiry Type

DECISION PRO via VALLY NTL BKINDRECT LEND

:
1445 VALLEY ROAD 02/17/2020
WAYNE, NJ 07470
Phone Inquiry Type

Permissible Purpose
CREDIT TRANSACTION
PARAMUS HYUNDAI via 700CRPARAMUS HYUNDAI
234 NJ-4 EAST 02/17/2020
PARAMUS, NJ 07652
Phone Inquiry Type

Permissible Purpose
CREDIT TRANSACTION
CAPITAL ONE
15000 CAPITAL ONE 10/06/2019
RICHMOND, VA 23238
Phone Inquiry Type

DISCOVER FINANCIAL SVCS
P O BOX 15316 09/08/2019
WILMINGTON, DE 19850
Phone Inquiry Type

Promotional Inquiries
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.
Name
:
TRANSUNION INTERACTIVE
100 CROSS STREET SUITE 101 03/08/2021
SAN LUIS OBISPO, CA 93401
Phone
(844) 580-6816
100 CROSS STREET 01/26/2021
SUITE 101
Phone
(844) 580-6816
Account Review Inquiries

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).
Name
DISCOVER FINANCIAL SERVI
2500 LAKE COOK ROA 03/21/2021
RIVERWOODS, IL 60015
Phone
(800) 347-2683
P O Box 31293 03/20/2021
Salt Lake City, UT 84131

:
Phone
(800) 955-7070
BANK OF AMERICA
PO BOX 982238 03/19/2021
EL PASO, TX 79998
Phone
(800) 421-2110
PO BOX 8803 03/17/2021
Phone
(888) 232-0780
2500 LAKE COOK RD 03/17/2021
RIVERWOODS, IL 60015-3851
Phone
(800) 347-2683
SYNCB/PPC
PO BOX 965005 03/09/2021
ORLANDO, FL 32896
Phone
(844) 373-4961
CAPITAL ONE, N.A.

:
P O Box 31293 03/09/2021
Salt Lake City, UT 84131
Phone
(800) 955-7070
SYNCB/AMAZON PLCC
PO BOX 965015 03/09/2021
ORLANDO, FL 32896-5015
Phone
(866) 634-8379
SYNCB/JCPENNEY
PO BOX 965007 03/09/2021
Phone
(866) 227-5213
MERRICK BANK
po box 9201 03/03/2021
old bethpage, NY 11804
Phone
(800) 204-5936
CITICARDS CBNA
CITI BRANDS CREDIT BUREAU DISP 02/28/2021
POB 6241
SIOUX FALLS, SD 57117
Phone
Phone number not available
:
SYNCB/SYNCB
C/O PO BOX 965036 02/25/2021
Phone
(866) 396-8254
ELAN VISA
PO BOX 108 02/24/2021
SAINT LOUIS, MO 63166
Phone
Phone number not available
SYNCB/BP
C-O PO BOX 965024 02/11/2021
ORLANDO, FL 32896
Phone
(844) 832-0035
AMERICAN EXPRESS
PO BOX 981537 09/21/2020
EL PASO, TX 79998
Phone
(800) 874-2717
BANK OF AMERICA
:
PO BOX 982238 04/22/2020
EL PASO, TX 79998
Phone
(800) 421-2110
FISERVCHECKFREE CORP
6000 PERIMETER DR 03/23/2021, 03/12/2021
DUBLIN, OH 43017
Phone
(877) 347-8346
JOSEPH LEFFEL via TRANSUNION INTERACTIVE
100 CROSS STREET 202 03/20/2021
Phone
(844) 580-6816
JOSEPH LEFFEL via TUCI - CREDIT COM
100 CROSS STREET 03/19/2021, 02/27/2021, 02/19/2021
Phone
(844) 580-6816
198462354 via CREDITWISE CAPONETUI
MCLEAN, VA 22102
Phone
(877) 383-4802
00000000000000000049 via PGX-CREDIT.COM

:
257 E 200 SOUTH SUITE 12 03/13/2021
00
SALT LAKE CITY, UT 84111
Phone
(801) 384-4100
P188784162E77536333 via CONSUMERINFO
535 ANTON BLVD SUITE 100 03/13/2021, 02/17/2021, 02/15/2021, 01/07/2021,
COSTA MESA, CA 92626 12/04/2020, 12/03/2020, 09/07/2020, 08/26/2020,
08/05/2020, 07/26/2020, 07/11/2020, 07/08/2020,
04/07/2020, 03/26/2020, 03/05/2020,
03/03/2020, 02/26/2020, 02/18/2020, 01/11/2020,
12/11/2019, 11/17/2019, 10/07/2019, 09/16/2019,
09/09/2019, 08/28/2019
Phone
(949) 567-3762
UPGRADE
275 BATTERY ST SUITE 2300 03/10/2021, 01/03/2021
SAN FRANCISCO, CA 94104
Phone
(801) 456-8350
100 CROSS STREET 03/10/2021, 02/24/2021, 02/13/2021, 12/21/2020,
SUITE 202 11/15/2019, 10/29/2019, 10/15/2019, 09/01/2019,
SAN LUIS OBISPO, CA 93401 08/12/2019, 08/07/2019
Phone
(805) 782-8282
GOLDMAN SACHS
PO BOX 45400 03/09/2021, 08/07/2019
:
Phone
(212) 902-1000
UPGRADE
275 BATTERY ST SUITE 2300 03/03/2021, 01/28/2021, 01/02/2021
Phone
(801) 456-8350
J LEFFEL via CREDITWISE CAPONETUI
1680 CAPITAL ONE DRIVE 03/02/2021, 02/02/2021, 01/05/2021, 12/07/2020,
MCLEAN, VA 22012 11/09/2020, 10/13/2020, 09/15/2020, 08/15/2020,
07/17/2020, 06/11/2020, 05/15/2020, 04/16/2020,
03/18/2020, 02/14/2020, 01/28/2020, 01/13/2020,
01/04/2020, 12/11/2019, 11/29/2019, 11/16/2019,
11/04/2019, 10/28/2019, 10/16/2019, 10/08/2019,
10/01/2019, 09/10/2019, 08/08/2019, 07/23/2019,
06/24/2019, 05/27/2019, 04/29/2019, 04/01/2019
Phone
(877) 383-4802
APPLE CARDGS BANK
PO BOX 45400 03/01/2021, 02/26/2021
Phone
(877) 255-5923
APPLE CARDGS BANK
PO BOX 45400 03/01/2021, 02/26/2021
Phone
(877) 255-5923
:
JOSEPH LEFFEL via TUCI - LENDING TREE
100 CROSS STREET 02/24/2021, 02/07/2021, 12/21/2020
SUITE 101
Phone
(844) 580-6816
STATE FREE DISCLOSURE
P O BOX 1000 02/18/2021
CHESTER, PA 19016
Phone
(800) 916-8800
CONSUMERINFO via CIEXP CSIDPROD
535 ANTON BLVD SUITE 100 02/16/2021, 01/10/2021, 01/26/2020, 12/19/2019,
COSTA MESA, CA 92626 11/18/2019, 10/08/2019, 08/16/2019
Phone
(949) 567-3762
UPSTART NETWORK INC
2 CIRCLE STAR WAY 01/28/2021, 12/29/2020
2ND FLOOR
SAN CARLOS, CA 94070
Phone
(650) 204-1000
PROSPERWEBBANK
PROSPER WEBBANK 01/28/2021
221 MAIN STREET SUITE 300
:
Phone
(866) 615-6319
QUINSTREET
950 TOWER LANE 01/28/2021, 01/06/2021, 11/11/2020
FOSTER CITY, CA 94404
Phone
(650) 578-7700
MONEVO INC
8910 UNIVERSITY CENTER LN 01/15/2021, 01/06/2021, 01/02/2021, 11/04/2019
SUITE 400
SAN DIEGO, CA 92122
Phone
(619) 536-0749
KLARNA
629 NORTH HIGH STREET SUI 12/30/2020
TE 300
COLUMBUS, OH 43215
Phone
(844) 552-7621
WEBBANKPYPL
3505 SILVERSIDE ROAD 12/29/2020
SUITE 200
Phone
(800) 347-5626
WEBBANKLENDINGCLUB
:
595 MARKET ST 12/29/2020, 11/04/2019, 08/07/2019
STE 400
Phone
(888) 376-6642
JOSEPH LEFFEL via KARMATRANSUNION INTERACT
100 CROSS STREET 11/07/2020
Phone
(844) 580-6816
JOSEPH LEFFEL via TRANSUNION INTERACTIVE
100 CROSS STREET 202 05/20/2020, 04/20/2020, 03/20/2020,
SAN LUIS OBISPO, CA 93401 02/10/2020, 01/20/2020, 12/20/2019, 11/17/2019,
11/08/2019, 10/07/2019, 09/17/2019, 09/09/2019,
08/28/2019, 08/05/2019, 07/20/2019, 06/20/2019,
05/20/2019, 04/20/2019
Phone
(800) 493-2392
394102573 via TRANSUNION INTERACTIVE
100 CROSS STREET 202 04/07/2020, 03/26/2020, 03/05/2020,
SAN LUIS OBISPO, CA 93401 02/26/2020, 02/18/2020, 01/11/2020, 12/11/2019,
09/16/2019, 08/28/2019
Phone
(800) 493-2392
100 CROSS STREET 202 02/17/2020, 11/16/2019, 10/06/2019, 09/08/2019
Phone
(800) 493-2392
:
CDJR OF PARAMUS via 700CR
31440 NORTHWESTERN HWY 02/17/2020
SUITE 250
FARMINGTON HILLS, MI 48334
Phone
(313) 749-0001
JOSEPH LEFFEL via TRANSUNION INTERACTIVE IN
100 CROSS ST 02/17/2020
STE 202
Phone
(855) 681-3196
ATTWIRELESS
12911 E 183RD STREET 01/17/2020
CERRITOS, CA 90703
Phone
(908) 221-2000
FACTACT FREE DISCLOSURE
P O BOX 1000 01/05/2020
CHESTER, PA 19016
Phone
(800) 888-4213
KLARNA
274 MARCONI BLVD. 12/26/2019, 11/14/2019
SUITE 320
COLUMBUS, OH 43215
:
Phone
(614) 961-4800
BETTER MORTGAGE CORPORATI
459 BROADWAY 5TH FLOOR 12/10/2019, 12/09/2019
NEW YORK, NY 10013
Phone
(888) 501-3186
TRANSUNION INTERACTIVE IN
100 CROSS ST 11/29/2019
STE 202
Phone
(844) 580-6816
CAPITAL ONE
15060 CAPITAL ONE DRIVE 11/29/2019, 09/04/2019, 08/08/2019, 08/02/2019
RICHMOND, VA 23238
Phone
(800) 689-1789
CAPITAL ONE
US364412
RICHMOND, VA 23238
Phone
(800) 955-7070
CAPITAL ONE
PO BOX 30281 11/16/2019
:
Phone
(800) 955-7070
CAPITAL ONE
P.O. BOX 259407 11/16/2019, 09/14/2019
PLANO, TX 75025
Phone
(800) 689-1789
WEBBANKAVANT LLC
222 N LASALLE ST 11/04/2019
SUITE 1600
CHICAGO, IL 60601
Phone
(800) 712-5407
UPSTART NETWORK INC
2 CIRCLE STAR WAY 11/04/2019, 08/07/2019
2ND FLOOR
SAN CARLOS, CA 94070
Phone
(650) 204-1000
WEBBANKUPGRADE
275 BATTERY STREET 09/23/2019
SUITE 2300
Phone
(855) 997-3100
WEBBANKUPGRADE
:
275 BATTERY STREET 09/23/2019, 08/07/2019
SUITE 2300
Phone
(855) 997-3100
CAPITAL ONE
US364412
RICHMOND, VA 23238
Phone
(800) 955-7070
DISCOVER
2500 LAKE COOK ROAD 09/08/2019
RIVERWOODS, IL 60015
Phone
(224) 405-1334
DISCOVERPLCYR
P O BOX 1531 09/08/2019
Phone
(800) 347-2683
LENDINGPOINT LLC
1301 SHILOH RD NW 09/04/2019
SUITE 130
KENNESAW, GA 30144
Phone
(713) 294-2940
:
GUIDE TO LENDERSQUINSTRE
950 TOWER LANE 09/04/2019
FOSTER CITY, CA 94404
Phone
(650) 578-7700
PEERFORM CREDIT
369 LEXINGTON AVE 07/01/2019
2ND FLOOR
NEW YORK, NY 10017
Phone
(510) 388-4465
Found an inaccuracy on your credit report?
START A DISPUTE REQUEST ONLINE
# Found something inaccurate on your credit report? Visit transunion.com/dispute to start a dispute
online.
# To add, remove, or modify a fraud alert, please visit service.transunion.com/fraudalerts.
$ Credit Report Messages

Your credit report contains the following messages
Promotional opt-out
This file has been opted out of promotional lists supplied by TransUnion.
(Note: This opt-out has no expiration date.)
% Additional Information
The following disclosure of information might pertain to you. This additional information may include Special
Messages, Office of Foreign Assets Control ("OFAC") Potential Name Matches, Inquiry Analysis, Military
Lending Act ("MLA") Covered Borrower Information, and/or Third Party Supplemental Information. Authorized
:
parties may also receive the additional information below from TransUnion.
Inquiry Analysis
The companies that request your credit report must first provide certain information about you. Within the
past 90 days, companies that requested your report provided the following information.
Name Requested On
JOSEPH LEFFEL 01/06/2021
Address Phone
654 CHESTNUT AVE TEANECK, NJ 07666-2402 (914) 579-9422
Third Party Supplemental Information

In addition to the information maintained in the above credit report, TransUnion will occasionally contact a
third party for supplemental information in connection with a particular transaction in response to a request
from a particular customer. Listed below is the supplemental data that TransUnion obtained from such third
parties, as well as the name(s) of the TransUnion customer for whom it was obtained.
Checking Account and Demand Deposit Account (DDA) Activity
Data Source:
Supplemental Consumer Credit Information
Data Source:
CoreLogic Inc. (1 CoreLogic Drive, Westlake, TX 76262, (866) 873-3651)
Requested by: Requested on:

APPLE CARDGS BANK 03/01/2021
Auto Finance Inquiries in the Last 3 Months: Auto Finance Inquiries in the Last 6 Months:
0 0
Auto Finance Inquiries in the Last 9 Months: Auto Finance Inquiries in the Last 24 Months:
0 0
Auto Finance Inquiries in the Last 7 Years: Cash Advance Inquiries in the Last 3 Months:
1 0
Cash Advance Inquiries in the Last 6 Months: Cash Advance Inquiries in the Last 9 Months:
0 0
:
Cash Advance Inquiries in the Last 12 Months: Cash Advance Inquiries in the Last 24 Months:
0 0
Cash Advance Inquiries in the Last 7 Years: Misc Financial Services in the Last 7 Years:
0 0
Rent-to-Own Inquiries in the Last 3 Months: Rent-to-Own Inquiries in the Last 6 Months:
0 0
Rent-to-Own Inquiries in the Last 9 Months: Rent-to-Own Inquiries in the Last 12 Months:
0 0
Rent-to-Own Inquiries in the Last 24 Months: Rent-to-Own Inquiries in the Last 7 Years:
0 0
All Alternative Credit Inquiries in the Last 3 All Alternative Credit Inquiries in the Last 6 Months:
months: 0
0
All Alternative Credit Inquiries in the Last 24 All Alternative Credit Inquiries in the Last 7 Years:
Months: 1
0
Paid Auto Finance Charge-offs in the Last 24 Paid Payday Loan Charge-offs in the Last 24
Months: Months:
0 0
Paid Rent-to-Own Charge-offs in the Last 24 All Paid Charge-offs in the Last 3 Months:
Months: 0
0
All Paid Charge-offs in the Last 24 Months: All Paid Charge-offs in the Last 7 Years:
0 0
Open Auto Finance Charge-offs in the Last 24 Open Payday Loan Charge-offs in the Last 24
Months: months:
0 0
Open Rent-to-Own Charge-offs in the Last 24 All Open Charge-offs in the Last 3 Months:
Months: 0
0
All Open Charge-offs in the Last 6 Months: All Open Charge-offs in the Last 9 Months:
0 0
All Open Charge-offs in the Last 12 Months: All Open Charge-offs in the Last 24 Months:
0 0
All Open Charge-offs in the Last 7 Years:

0
:
Supplemental Public Records and Residential Information
Requested On:
BERGENNJ

ALLY FINANCIAL 10/08/2018
Total Tax Amount: Land Mass in Acres:

+9614.44 +0.1090
Building Size in Square Feet: Total Land Mass in Square Feet:

1832 4748
Assessed Land Value: Assessed Improvement Value:

$158,200 $147,700
Total Assessed Value of the Land and Market Improvement Value:

Improvements: $163,620
$305,900
Total Market Value of the Land and Improvements: Real Estate Sale Price:
$338,872 $0
Home Equity Loans: Available Home Equity:

0 $0
Home Equity Loan Amount: Refinance Indicator:

$0 No
Refinance or Equity Fixed Mortgages in Last 24 Conventional Mortgages recorded in the Last 24
Months: Months:
0 0
FHA Mortgage Loans Recorded: First Mortgage Amount:

0 $0
Interest Rate on Most Recent Mortgage: Second Mortgage Amount:

$0
Loan Term of Most Recent Mortgage (in Months): Foreclosure:

No
Club & Subscription Activity
Data Source:
Alliant Cooperative Data Solutions (301 Fields Lane, Brewster, NY 10509-2621, (866) 310-7278)
:
ALLY FINANCIAL 10/08/2018
Write-Offs in the Last 5 Magazine Transactions: Write-Offs in the Last 5 Club/Subscription

0 Transactions:
0
Merchandise Write-Off Transactions in the Last 5 Single Payment Write-Off Transactions in the Last
Years: 5 Years:
0 0
Club and Subscription Amount sent to Collections Days Since Last Payment Was Made:
in the Last 5 years: 189
$0
Club/Subscription Write-Offs in the Last 5 Years: Days Since Last Club/Subscription Return:
0 1280
Orders in the Last Year:

$405.09
To request corrections to Additional Information on your TransUnion report, please file a dispute by phone or
mail.
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).
SUMMARY OF RIGHTS
:
GENERAL SUMMARY OF RIGHTS UNDER THE FCRA
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). 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 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 on 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 more 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 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.
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.
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.
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. You may also have the right to file suit under state law.
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
a. Consumer
Financial
Protection
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and Bureau
their affiliates 1700 G Street,
N.W.
Washington, DC
20552
b. Federal Trade
Commission
Consumer
Response
Center
b. Such affiliates that are not banks, savings associations, or credit unions also should list,
600
in addition to the CFPB:
Pennsylvania
Avenue, N.W.
Washington, DC
20580
(877) 382-4357
a. Office of the
Comptroller of
the Currency
Customer
2. To the extent not included in item 1 above: Assistance
a. National banks, federal savings associations, and federal branches and federal agencies Group
of foreign banks 1301 McKinney
Street, Suite
3450
Houston, TX
77010-9050
b. Federal
Reserve
b. State member banks, branches and agencies of foreign banks (other than federal Consumer Help
branches, federal agencies, and Insured State Branches of Foreign Banks), commercial Center
lending companies owned or controlled by foreign banks, and organizations operating P.O. Box 1200
under section 25 or 25A of the Federal Reserve Act. Minneapolis, MN
:
55480
c. FDIC
Consumer
Response
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state Center
savings associations 1100 Walnut
Street, Box #11
Kansas City, MO
64106
d. National
Credit Union
Administration
Office of
Consumer
Financial
Protection
(OCFP)
d. Federal Credit Unions Division of
Consumer
Compliance
Policy and
Outreach
1775 Duke
Street
Alexandria, VA
22314
Asst. General
Counsel for
Aviation
Enforcement &
Proceedings
Aviation
Consumer
Protection
3. Air carriers
Division
Department of
Transportation
1200 New
Jersey Avenue,
S.E.
Washington, DC
20590
Office of
Proceedings,
:
Surface
Transportation
Board
4. Creditors Subject to the Surface Transportation Board
Department of
Transportation
395 E Street,
S.W.
Washington, DC
20423
Nearest Packers
and Stockyards
5. Creditors Subject to the Packers and Stockyards Act, 1921
Administration
area supervisor
Associate
Deputy
Administrator
for Capital
Access
United States
6. Small Business Investment Companies Small Business
Administration
409 Third
Street, S.W.,
Suite 8200
Washington, DC
20416
Securities and
Exchange
Commission
7. Brokers and Dealers 100 F Street,
N.E.
Washington, DC
20549
Farm Credit
Administration
8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, 1501 Farm
and Production Credit Associations Credit Drive
McLean, VA
22102-5090
Federal Trade
Commission
Consumer
Response
Center
:
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above 600
Pennsylvania
Avenue, N.W.
Washington, DC
20580
(877) 382-4357
FRAUD VICTIM RIGHTS
SUMMARY OF RIGHTS UNDER THE FCRA OF VICTIMS OF IDENTITY THEFT
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
Remedying the Effects of Identity Theft
You are receiving this information because you have notified a consumer reporting agency that you believe
you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security
Number, date of birth, or other identifying information, without authority, to commit fraud. For example,
someone may have committed identity theft by using your personal information to open a credit card account
or get a loan in your name. For more information, visit www.consumerfinance.gov/learnmore or write to:
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe you that you are, a
victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft.
1. You have the 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.
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.
2. 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.
:
To place either of these alerts, a consumer reporting agency will require you to provide appropriate
proof of your identity, which may include your Social Security Number. If you ask for an extended alert,
you will have to provide an identity theft report. An identity theft report includes a copy of a report you
have filed with a federal, state, or local law enforcement agency, and additional information a consumer
reporting agency may require you to submit. For more detailed information about the identity theft
report, visit www.consumerfinance.gov/learnmore.
You may place a fraud alert in your file by calling just one of the three nationwide credit reporting
agencies. As soon as that agency processes your alert, it will notify the other two, which then must also
place fraud alerts in your file.
Equifax: 1-800-525-6285; www.equifax.com
Experian: 1-888-397-3742; www.experian.com
TransUnion: 1-800-680-7289;www.transunion.com
3. You have the right to free copies of the information in your file (your “file disclosure”). An initial fraud
alert entitles you to a copy of all information in your file at each of the three nationwide agencies, and
an extended alert entitles you to two free file disclosures in a 12-month period following the placing of
the alert. These additional disclosures may help you detect signs of fraud, for example, whether
fraudulent accounts have been opened in your name or whether someone has reported a change in your
address. Once a year, you also have the right to a free copy of the information in your file at any
consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity
theft. You also have the ability to obtain additional free file disclosures under other provisions of the
FCRA. See www.consumerfinance.gov/learnmore
4. You have the right to obtain documents relating to fraudulent transactions made or accounts opened
using your personal information. A creditor or other business must give you copies of applications and
other business records relating to transactions and accounts that resulted from the theft of your
identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report,
and an affidavit before giving you the documents. It also may specify an address for you to send your
request. Under certain circumstances, a business can refuse to provide you with these documents. See
5. You have the right to obtain information from a debt collector. If you ask, a debt collector must
provide you with certain information about the debt you believe was incurred in your name by an
identity thief – like the name of the creditor and the amount of the debt.
6. If you believe information in your file results from identity theft, you have the right to ask that a
consumer reporting agency block that information from your file. An identity thief may run up bills in
your name and not pay them. Information about the unpaid bills may appear on your consumer report.
:
Should you decide to ask a consumer reporting agency to block the reporting of this information, you
must identify the information to block, and provide the consumer reporting agency with proof of your
identity and a copy of your identity theft report. The consumer reporting agency can refuse or cancel
your request for a block if, for example, you don’t provide the necessary documentation or where the
block results from an error or a material misrepresentation of fact made by you. If the agency declines
or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a
person or business with notice of the block may not sell, transfer or place the debt for collection.
7. You may also prevent businesses from reporting information about you to consumer reporting
agencies if you believe the information is a result of identity theft. To do so, you must send your
request to the address specified by the business that reports the information to the consumer
reporting agency. The business will expect you to identify what information you do not want reported
and to provide an identity theft report.
To learn more about identity theft and how to deal with its consequences, visit
www.consumerfinance.gov/learnmore, or write to the Consumer Financial Protection Bureau. You may have
additional rights under state law. For more information, contact your local consumer protection agency or
your state Attorney General.
In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the
FCRA has many other important consumer protections. They are described in more detail at
:

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Your TransUnion Credit Report Summary

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Personal Credit Report for: A quick heads up:

File Number: Learn about your options to get your credit

Your TransUnion Credit Report

Credit Report Date

Social Security Number

JOSEPH SAMUEL LEFFEL

654 CHESTNUT AVE TEANECK, NJ 07666-2402

HACKENSACK MERIDIAN HEALTH

Occupation Date Verified

HACKEMNSACK MEDICAL CTR

Occupation Date Hired

HACKENSACK UNIV MED CENTER

HACKENSACK MED CENTER

HACKENSACK MEDICAL CENTER

HACKENSACK UNIV MEDICAL CTR

N/R Not Reported

30 Account 30 days late

60 Account 60 days late

90 Account 90 days late

120 Account 120 or more days late

COL Transferred to collection

C/O Charged off by account provider

CAPITAL ONE BANK USA NA

Responsibility Account Type

Loan Type Date Updated

Last Payment Made Pay Status

Terms Date Closed

High Balance (Hist.) Credit Limit (Hist.)

2021 2020 2019 2018

Past Due: $0 $0 $0 ---

Scheduled Payment: $33 $97 $70 ---

Remarks: CBC CBC --- ---

Past Due: $0 $58 $0 ---

Scheduled Payment: $28 $99 $69 ---

Remarks: CBC CBC --- ---

Past Due: $0 $0 ---

Scheduled Payment: $53 $65 ---

Remarks: CBC --- ---

Past Due: $0 $0 ---

Scheduled Payment: $51 $68 ---

Remarks: CBC --- ---

Balance: --- $2,431 ---

Past Due: --- $0 ---

Scheduled Payment: --- $67 ---

Remarks: --- --- ---

Past Due: --- $0 ---

Scheduled Payment: --- $67 ---

Remarks: --- --- ---

Past Due: --- $0 ---

Scheduled Payment: --- $65 ---

Remarks: --- --- ---

Balance: $1,838 $2,372 ---

Past Due: $0 $0 ---

Scheduled Payment: $50 $65 ---

Remarks: CBC --- ---

Scheduled Payment: $45 $93 $70

Remarks: CBC --- ---

Balance: $1,692 $1,635 $2,546

Scheduled Payment: $42 $63 $68

Scheduled Payment: $42 $100 $70

Remarks: CBC CBC ---

Scheduled Payment: $38 $58 $68