3/20/2015 Experian 

­ Report Summary

Online Personal Credit Report

What if I want to dispute an item in my report?
Review each section of your credit report. Visit experian.com/disputes to start or check the status of your dispute.

Report Summary:
There are 16 potentially negative items in your report.
You have 29 accounts in good standing in your report.

Experian credit report prepared for Your Credit Report:
CARISSA BAKER Potentially negative items
Report date: March 20, 2015 Accounts in good standing
Your report number is
Requests for your credit history
2539­8768­86 Personal information
Important message from Experian
Contact us
Know your rights

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

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 1/39
3/20/2015 Experian ­ Report Summary

 
 
Contact us

Need to view your report online again?
You can view this report online at experian.com/view

See incorrect information on your report?
If you have reviewed your credit report and you believe there are inaccuracies, the fastest way to resolve the
errors is to dispute online.

Dispute this report online at experian.com/disputereport

Already requested a dispute?
See the status of your dispute at experian.com/checkstatus

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

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

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

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

 
 
Potentially Negative Items or items for further review
 
This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed
payments and most public record items may remain on the credit report for up to seven years, except Chapters 7, 11 and
12 bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date.
Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due
remain up to 10 years after the date the account was transferred.

Payment history legend  
OK  Current/Terms of agreement met VS  Voluntarily surrendered
30  Account 30 days past due R  Repossession
60  Account 60 days past due PBC  Paid by creditor
90  Account 90 days past due IC  Insurance claim
120  Account 120 days past due G  Claim filed with government
150  Account 150 days past due D  Defaulted on contract
180  Account 180 days past due C  Collection
CRD  Creditor received deed CO  Charge off
FS  Foreclosure proceedings started CLS  Closed
F  Foreclosed ND  No data for this time period

Public Records
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 2/39
3/20/2015 Experian ­ Report Summary

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

U.S. BANKRUPTCY­CENTRAL DISTRICT
Address:  Identification
3420 12TH ST STE Number: 
125  0917792PC 
RIVERSIDE  ,  CA  
92501 
(855) 460­9641
Address Identification Number:
0184110958 
Status:  Chapter 7 bankruptcy discharged.  Status Details:  This item is scheduled to continue on record until Apr
2019.

Date Filed: Claim Amount:
04/22/2009 NA
Date Resolved: Liability Amount:
08/14/2009 $0
Responsibility:
Individual 

Credit Items

For your protection, the last few digits of your account numbers do not display.

AMERICAN EDUCATION SERVICES
Address:  Account Number:
PO BOX 61047 6191974370PA0....
HARRISBURG, PA 17106
(800) 233­0557 
Address Identification Number:
0516045331 
Status:  Open.  Status Details:  By Jan 2017, this account is scheduled to go to a
positive status. 

Date Opened: Type: Credit Limit/Original Amount:

05/2007 Education $22,346
Reported Since: Terms: High Balance:
06/2007 174 Months NA
Date of Status: Monthly Payment: Recent Balance:
06/2010 $286 $29,008 as of 02/2015
Last Reported: Responsibility: Recent Payment:
02/2015 Individual $0
Payment History:
2015 2014 2013
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2012
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2011 2010
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK 60 30 OK OK 120 90 60 30 OK OK OK OK OK 150 120

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 3/39
3/20/2015 Experian ­ Report Summary
2008
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
60 60 30 OK OK OK OK OK OK OK OK OK

Account History:
150 days past due as of Apr 2009
120 days past due as of Jan 2010, Mar 2009
90 days past due as of Dec 2009
60 days past due as of May 2010, Nov 2009, Feb
2009, Jan 2009
30 days past due as of Apr 2010, Oct 2009, Dec
2008

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Jan 2015: $29,008 / January 30, 2015 / $286 / $572
Dec 2014: $29,176 / November 27, 2014 / $286 / $286
Nov 2014: $29,310 / November 3, 2014 / $286 / $286
Oct 2014: $29,386 / October 1, 2014 / $286 / $286
Sep 2014: $29,480 / September 1, 2014 / $286 / $286
Aug 2014: $29,562 / July 31, 2014 / $286 / no data
Jul 2014: $29,562 / July 31, 2014 / $286 / $286
Jun 2014: $29,630 / June 27, 2014 / $286 / $286
May 2014: $29,730 / May 29, 2014 / $286 / $286
Apr 2014: $29,823 / April 29, 2014 / $286 / $286
Mar 2014: $29,922 / March 31, 2014 / $286 / $573
Feb 2014: $30,111 / January 31, 2014 / $286 / no data
Jan 2014: $30,111 / January 31, 2014 / $286 / $286
Dec 2013: $30,188 / December 30, 2013 / $286 / $573
Nov 2013: $30,366 / October 31, 2013 / $286 / $286
Oct 2013: $30,455 / October 1, 2013 / $286 / $286
Sep 2013: $30,549 / September 2, 2013 / $286 / $287
Aug 2013: $30,616 / July 31, 2013 / $287 / no data
Jul 2013: $30,616 / July 31, 2013 / $287 / $287
Jun 2013: $30,684 / June 28, 2013 / $287 / $287
May 2013: $30,759 / May 31, 2013 / $287 / $575
Apr 2013: $30,759 / March 27, 2013 / $287 / no data
Mar 2013: $30,759 / March 27, 2013 / $287 / $287

The original amount of this account was $22,346
  

AMERICAN EDUCATION SERVICES/RBS
Address:  Account
PO BOX 61047 Number:
HARRISBURG, 6191974370PA0....
PA 17106
(800) 233­0557 
Address Identification Number:
0184110958 
Status:  Petition for Chapter 7 Status Details:  This account is scheduled to continue on record until May
Bankruptcy.  2016. 

Date Opened: Type: Credit Limit/Original Amount:

11/2007 Education $5,586
Reported Since: Terms: High Balance:
12/2007 1 Months NA
Date of Status: Monthly Payment: Recent Balance:
05/2009 $0 $0 as of 06/2009
Last Reported: Responsibility: Recent Payment:
06/2009 Individual $0
Payment History:
2009 2008 2007
APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC
150 120 60 60 30 OK OK OK OK OK OK OK OK OK OK OK OK

Account History:
150 days past due as of Apr 2009
120 days past due as of Mar 2009
60 days past due as of Feb 2009, Jan 2009
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 4/39
3/20/2015 Experian ­ Report Summary
30 days past due as of Dec 2008
Filed Chapter 7 Bankruptcy on May 31,
2009

CAPITAL ONE
Address:  Account Number:
PO BOX 30281 517805723034....
SALT LAKE CITY, UT 84130
(800) 955­7070 
Address Identification Number:
0063405981 
Status:  Discharged through Bankruptcy Chapter 7. 
Date Opened: Type: Credit Limit/Original Amount:
12/2008 Credit card $1,000
Reported Since: Terms: High Balance:
01/2009 NA $1,077
Date of Status: Monthly Payment: Recent Balance:
08/2009 $0 $0 as of 03/2015
Last Reported: Responsibility: Recent Payment:
03/2015 Individual $0
Comment:  Account closed at credit grantor's request. 

Payment History:
2009
JUL JUN MAY APR MAR FEB JAN
CLS CLS 30 OK OK OK OK

Account History:
, Jul 2009, Jun 2009
30 days past due as of May 2009
Debt included in Chapter 7 Bankruptcy on Aug 14, 2009

CHAPMAN COLLEGE
Address:  Account Number:
333 N GLASSELL ST 9609409PE....
ORANGE, CA 92866
(714) 744­7814 
Address Identification Number:
0186781999 
Status:  Paid,Closed. 
Date Opened: Type: Credit Limit/Original Amount:
12/2005 Education $2,000
Reported Since: Terms: High Balance:
08/2008 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
CLS C C C C C C 60 30 OK OK OK OK OK OK OK OK OK
2008
FEB JAN DEC NOV OCT SEP AUG
OK OK OK OK OK OK OK

Account History:
Collection as of Feb 2010 to Jul 2010
60 days past due as of Jan 2010
30 days past due as of Dec 2009

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 5/39
3/20/2015 Experian ­ Report Summary
CHASE CARD
Address:  Account Number:
PO BOX 15298 426684106777....
WILMINGTON, DE 19850
(800) 432­3117 

Address Identification Number:
0408728013 
Status:  Discharged through Bankruptcy Chapter 7. 
Date Opened: Type: Credit Limit/Original Amount:
10/2005 Credit card $2,700
Reported Since: Terms: High Balance:
11/2005 NA $3,352
Date of Status: Monthly Payment: Recent Balance:
08/2009 $0 $0 as of 05/2009
Last Reported: Responsibility: Recent Payment:
05/2009 Individual $0
Comment:  Account closed at credit grantor's request. 

Payment History:
2009 2008 2007
MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC
CLS CLS 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005
MAY APR MAR FEB JAN DEC NOV
OK OK OK OK OK OK OK

Account History:
90 days past due as of May 2009
60 days past due as of Apr 2009
30 days past due as of Mar 2009
Debt included in Chapter 7 Bankruptcy on Aug 14, 2009

NELNET STUDENT LOANS
Address:  Account Number:
6420 SOUTHPOINT PKWY 50000000080....
JACKSONVILLE, FL 32216
(888) 486­4722 
Address Identification Number:
0184110958 
Status:  Paid,Closed. 
Date Opened: Type: Credit Limit/Original Amount:
10/2006 Education $8,500
Reported Since: Terms: High Balance:
11/2006 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
07/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
07/2010 Individual NA
Payment History:
2010 2009
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB
CLS OK 180 180 150 120 90 OK OK OK OK OK OK OK OK 120 90 OK
2008 2007
JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
OK OK OK OK OK ND ND OK ND ND OK ND ND OK ND ND OK ND
2006
JUL JUN MAY APR MAR FEB JAN DEC NOV
ND OK ND ND OK OK OK OK OK

Account History:
180 days past due as of May 2010, Apr 2010
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 6/39
3/20/2015 Experian ­ Report Summary
150 days past due as of Mar 2010
120 days past due as of Feb 2010, Apr 2009
90 days past due as of Jan 2010, Mar 2009

NELNET STUDENT LOANS
Address:  Account Number:
6420 SOUTHPOINT PKWY 50000000080....
JACKSONVILLE, FL 32216
(888) 486­4722 
Address Identification Number:
0184110958 
Status:  Paid,Closed. 
Date Opened: Type: Credit Limit/Original Amount:
10/2006 Education $10,000
Reported Since: Terms: High Balance:
11/2006 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
07/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
07/2010 Individual NA
Payment History:
2010 2009
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB
CLS OK 180 180 150 120 90 OK OK OK OK OK OK OK OK 120 90 OK
2008 2007
JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
OK OK OK OK OK ND ND OK ND ND OK ND ND OK ND ND OK ND
2006
JUL JUN MAY APR MAR FEB JAN DEC NOV
ND OK ND ND OK OK OK OK OK

Account History:
180 days past due as of May 2010, Apr 2010
150 days past due as of Mar 2010
120 days past due as of Feb 2010, Apr 2009
90 days past due as of Jan 2010, Mar 2009

NELNET STUDENT LOANS
Address:  Account Number:
6420 SOUTHPOINT PKWY 50000000080....
JACKSONVILLE, FL 32216
(888) 486­4722 
Address Identification Number:
0184110958 
Status:  Paid,Closed. 
Date Opened: Type: Credit Limit/Original Amount:
05/2007 Education $4,250
Reported Since: Terms: High Balance:
06/2007 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
07/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
07/2010 Individual NA
Payment History:
2010 2009
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB
CLS OK 180 180 150 120 90 OK OK OK OK OK OK OK OK 120 90 OK
2008 2007
JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
OK OK OK OK OK ND ND OK ND ND OK ND ND OK ND ND OK ND

JUL JUN
OK OK

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 7/39
3/20/2015 Experian ­ Report Summary
Account History:
180 days past due as of May 2010, Apr 2010
150 days past due as of Mar 2010
120 days past due as of Feb 2010, Apr 2009
90 days past due as of Jan 2010, Mar 2009

NELNET STUDENT LOANS
Address:  Account Number:
6420 SOUTHPOINT PKWY 50000000080....
JACKSONVILLE, FL 32216
(888) 486­4722 
Address Identification Number:
0184110958 
Status:  Paid,Closed. 
Date Opened: Type: Credit Limit/Original Amount:
05/2007 Education $4,140
Reported Since: Terms: High Balance:
06/2007 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
07/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
07/2010 Individual NA
Payment History:
2010 2009
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB
CLS OK 180 180 150 120 90 OK OK OK OK OK OK OK OK 120 90 OK
2008 2007
JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
OK OK OK OK OK ND ND OK ND ND OK ND ND OK ND ND OK ND

JUL JUN
OK OK

Account History:
180 days past due as of May 2010, Apr 2010
150 days past due as of Mar 2010
120 days past due as of Feb 2010, Apr 2009
90 days past due as of Jan 2010, Mar 2009

NELNET STUDENT LOANS
Address:  Account Number:
6420 SOUTHPOINT PKWY 50000005223....
JACKSONVILLE, FL 32216
(888) 486­4722 
Address Identification Number:
0184110958 
Status:  Paid,Closed. 
Date Opened: Type: Credit Limit/Original Amount:
08/2007 Education $8,500
Reported Since: Terms: High Balance:
08/2007 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
07/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
07/2010 Individual NA
Payment History:
2010 2009
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB
CLS OK 180 180 150 120 90 OK OK OK OK OK OK OK OK 120 90 OK
2008 2007
JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
OK OK OK OK OK ND ND OK ND ND OK OK OK OK OK OK OK OK

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 8/39
3/20/2015 Experian ­ Report Summary
Account History:
180 days past due as of May 2010, Apr 2010
150 days past due as of Mar 2010
120 days past due as of Feb 2010, Apr 2009
90 days past due as of Jan 2010, Mar 2009

NELNET STUDENT LOANS
Address:  Account Number:
6420 SOUTHPOINT PKWY 50000005223....
JACKSONVILLE, FL 32216
(888) 486­4722 
Address Identification Number:
0184110958 
Status:  Paid,Closed. 
Date Opened: Type: Credit Limit/Original Amount:
08/2007 Education $9,342
Reported Since: Terms: High Balance:
08/2007 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
07/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
07/2010 Individual NA
Payment History:
2010 2009
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB
CLS OK 180 180 150 120 90 OK OK OK OK OK OK OK OK 120 90 OK
2008 2007
JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
OK OK OK OK OK ND ND OK ND ND OK OK OK OK OK OK OK OK

Account History:
180 days past due as of May 2010, Apr 2010
150 days past due as of Mar 2010
120 days past due as of Feb 2010, Apr 2009
90 days past due as of Jan 2010, Mar 2009

PARTNERS FED CR UN
Address:  Account
13705 INTERNATIONAL Number:
DR S 404636100304....
ORLANDO, FL 32821
No phone number available
Address Identification Number:
0184138663 
Status:  Discharged through Bankruptcy Status Details:  This account is scheduled to continue on record until
Chapter 7.  Mar 2016. 

Date Opened: Type: Credit Limit/Original Amount:

10/2005 Credit card $3,000
Reported Terms: High Balance:
Since: NA $3,259
11/2005 Monthly Payment: Recent Balance:
Date of Status: $0 $0 as of 09/2014
08/2009 Responsibility: Recent Payment:
Last Reported: Joint with JOSHUA R $0
09/2014 BAKER
Your Statement: 

Account closed at consumer's request. 

Payment History:
2009 2008
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB
CLS CLS CLS CLS 30 OK OK OK OK OK OK OK OK OK OK OK OK OK

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 9/39
3/20/2015 Experian ­ Report Summary
2007 2006
JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005
JUL JUN MAY APR MAR FEB JAN DEC NOV
OK OK OK OK OK OK OK OK OK

Account History:
, Jul 2009
150 days past due as of Jul 2009
120 days past due as of Jun 2009
90 days past due as of May 2009
60 days past due as of Apr 2009
30 days past due as of Mar 2009
Debt included in Chapter 7 Bankruptcy on Aug
14, 2009

PARTNERS FED CR UN
Address:  Account
PO BOX 10000 Number:
LAKE BUENA VISTA, 87194....
FL 32830
(800) 948­6677 
Address Identification Number:
0184138663 
Status:  Discharged through Bankruptcy Status Details:  This account is scheduled to continue on record until
Chapter 7.  Mar 2016. 

Date Opened: Type: Credit Limit/Original Amount:

09/2008 Unsecured $5,917
Reported Terms: High Balance:
Since: 48 Months NA
09/2008 Monthly Payment: Recent Balance:
Date of Status: $0 $0 as of 02/2015
08/2009 Responsibility: Recent Payment:
Last Reported: Joint with JOSHUA R $0
02/2015 BAKER
Payment History:
2009 2008
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
CO CO 90 60 30 OK OK OK OK OK OK

Account History:
Charge Off as of Jul 2009, Jun 2009
90 days past due as of May 2009
60 days past due as of Apr 2009
30 days past due as of Mar 2009
Debt included in Chapter 7 Bankruptcy on Aug
14, 2009

UNIV OF CENTRAL FLORIDA
Address:  Account Number:
12424 RESEARCH PKWY STE 395 57009999994....
ORLANDO, FL 32826
No phone number available 
Address Identification Number:
0184110958 
Status:  Paid,Closed. 
Date Opened: Type: Credit Limit/Original Amount:
09/2006 Education $4,000
Reported Since: Terms: High Balance:
09/2006 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 10/39
3/20/2015 Experian ­ Report Summary
07/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
07/2010 Individual NA
Payment History:
2010 2009
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB
30 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2008 2007
JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK

Account History:
30 days past due as of Jul 2010, Jun 2010

UNIVERSITY OF SO CALIF
Address:  Account Number:
1150 W JEFFERSON BLVD # 100 9609409PE....
LOS ANGELES, CA 90089
(213) 740­4077 
Address Identification Number:
0184110958 
Status:  Paid,Closed. 
Date Opened: Type: Credit Limit/Original Amount:
10/2003 Education $1,000
Reported Since: Terms: High Balance:
09/2008 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
CLS OK 90 60 30 OK OK OK OK OK OK OK OK ND ND ND ND C
2008
FEB JAN DEC NOV OCT SEP
60 30 OK OK OK OK

Account History:
Collection as of Mar 2009
90 days past due as of Jun 2010
60 days past due as of May 2010, Feb 2009
30 days past due as of Apr 2010, Jan 2009

 
 
Accounts in Good Standing
 
These items may stay on your credit report for as long as they are open. Once an account is closed or paid off it may
continue to appear on your report for up to ten years.

BARCLAYS BANK DELAWARE
Address:  Account Number:
700 PRIDES XING 00018733213....
NEWARK, DE 19713
(877) 523­0478 
Address Identification Number:
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 11/39
3/20/2015 Experian ­ Report Summary
0516045331 
Status:  Open/Never late. 

Date Opened: Type: Credit Limit/Original Amount:

08/2013 Credit Card $2,000
Reported Since: Terms: High Balance:
08/2013 NA $1,877
Date of Status: Monthly Payment: Recent Balance:
02/2015 $25 $543 as of 02/2015
Last Reported: Responsibility: Recent Payment:
02/2015 Individual $1,599

Payment History:
2015 2014 2013
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

AUG
OK

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Jan 2015: $0 / January 23, 2015 / $6 / $78
Dec 2014: $6 / December 11, 2014 / $6 / $976
Nov 2014: $4 / November 17, 2014 / $4 / $70
Nov 2014: $0 / October 20, 2014 / $20 / $70
Sep 2014: $0 / September 16, 2014 / $20 / $1,606
Aug 2014: $1,480 / July 31, 2014 / $20 / $246
Jul 2014: $246 / June 30, 2014 / $20 / $10
Jun 2014: $10 / June 16, 2014 / $10 / $768
May 2014: $612 / May 5, 2014 / $20 / $276
Apr 2014: $0 / April 21, 2014 / $20 / $2,296
Mar 2014: $0 / March 17, 2014 / $20 / $1,458
Feb 2014: $0 / February 17, 2014 / $20 / $2,465
Jan 2014: $176 / January 20, 2014 / $20 / $1,002
Dec 2013: $31 / December 23, 2013 / $20 / $3,134
Nov 2013: $1,877 / November 1, 2013 / $20 / $20
Oct 2013: $1,863 / September 30, 2013 / $20 / $726
Sep 2013: $726 / no data / $20 / no data
Aug 2013: $0 / no data / Unknown / no data

Between Aug 2013 and Jan 2015, your credit limit/high balance was $2,000
  

CAPITAL ONE
Address:  Account Number:
PO BOX 30281 517805749688....
SALT LAKE CITY, UT 84130
(800) 955­7070 
Address Identification Number:
0516045331 
Status:  Open/Never late. 
Date Opened: Type: Credit Limit/Original Amount:
08/2011 Credit card $2,750
Reported Since: Terms: High Balance:
09/2011 NA $2,044
Date of Status: Monthly Payment: Recent Balance:
03/2015 $15 $0 /paid as of 03/2015
Last Reported: Responsibility: Recent Payment:
03/2015 Individual $0
Payment History:
2015 2014 2013
MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2012
SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2011
MAR FEB JAN DEC NOV OCT SEP
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 12/39
3/20/2015 Experian ­ Report Summary
OK OK OK OK OK OK OK

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Feb 2015: $1,169 / January 30, 2015 / $15 / no data
Jan 2015: $99 / January 6, 2015 / $15 / no data
Dec 2014: $371 / November 25, 2014 / $15 / no data
Nov 2014: $1,719 / October 29, 2014 / $20 / no data
Oct 2014: $1,166 / September 22, 2014 / $15 / no data
Sep 2014: $164 / September 4, 2014 / $15 / no data
Aug 2014: $1,766 / August 4, 2014 / $20 / no data
Jul 2014: $396 / June 28, 2014 / $15 / no data
Jun 2014: $197 / June 3, 2014 / $15 / no data
May 2014: $3 / May 5, 2014 / $3 / no data
Apr 2014: $88 / March 31, 2014 / $15 / no data
Mar 2014: $844 / February 24, 2014 / $15 / no data
Feb 2014: $608 / January 31, 2014 / $15 / no data
Jan 2014: $0 / December 31, 2013 / $15 / $111
Dec 2013: $418 / November 26, 2013 / $15 / $919
Nov 2013: $10 / November 5, 2013 / $10 / $103
Oct 2013: $709 / September 30, 2013 / $28 / $500
Sep 2013: $1,129 / August 29, 2013 / $28 / $120
Aug 2013: $472 / July 22, 2013 / $15 / $345
Jul 2013: $695 / June 17, 2013 / $21 / $15
Jun 2013: $595 / June 3, 2013 / $15 / $150
May 2013: $686 / April 25, 2013 / $15 / $239
Apr 2013: $575 / March 30, 2013 / $15 / $575
Mar 2013: $0 / March 4, 2013 / $15 / $180

Between Apr 2014 and Feb 2015, your credit limit/high balance was $2,750
Between Aug 2013 and Mar 2014, your credit limit/high balance was $1,250
Between Mar 2013 and Jul 2013, your credit limit/high balance was $750   

CAP ONE
Address:  Account
PO BOX 30253 Number:
SALT LAKE CITY, 526835007348....
UT 84130
(800) 477­6000 
Address Identification Number:
0516045331 
Status:  Closed/Never late.  Status Details:  This account is scheduled to continue on record until Sep
2023. 

Date Opened: Type: Credit Limit/Original Amount:

07/2012 Credit card $500
Reported Since: Terms: High Balance:
08/2012 NA $64
Date of Status: Monthly Payment: Recent Balance:
09/2013 $0 NA
Last Reported: Responsibility: Recent Payment:
09/2013 Individual NA
Your Statement:  Comment:  Purchased by another lender. 
Account closed at consumer's request. 

Payment History:
2013 2012
SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
CLS OK OK OK OK OK OK OK ND ND ND ND OK OK

CENLAR FEDERAL SAVINGS & LOAN
Address:  Account Number:
425 PHILLIPS BLVD 300003736....
EWING, NJ 08618
No phone number available 
Address Identification Number:
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 13/39
3/20/2015 Experian ­ Report Summary
0516045331 
Mortgage Identification Number:
100288210000707196  

Status:  Open/Never late. 
Date Opened: Type: Credit Limit/Original Amount:
07/2012 FHA Mortgage $148,633
Reported Since: Terms: High Balance:
11/2012 30 Years NA
Date of Status: Monthly Payment: Recent Balance:
03/2015 $1,065 $139,209 as of 03/2015
Last Reported: Responsibility: Recent Payment:
03/2015 Individual $0
Payment History:
2015 2014 2013
MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2012
SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV
OK OK OK OK OK OK OK OK OK OK OK

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Feb 2015: $139,209 / February 2, 2015 / $1,065 / $1,200
Jan 2015: $139,596 / January 5, 2015 / $1,065 / $2,265
Dec 2014: $140,232 / October 29, 2014 / $1,065 / no data
Nov 2014: $140,232 / October 29, 2014 / $1,065 / $1,400
Oct 2014: $140,815 / October 2, 2014 / $1,065 / $1,300
Sep 2014: $141,297 / September 4, 2014 / $1,065 / $2,365
Aug 2014: $142,021 / July 1, 2014 / $1,065 / no data
Jul 2014: $142,021 / July 1, 2014 / $1,065 / $2,340
Jun 2014: $142,717 / May 5, 2014 / $1,065 / no data
May 2014: $142,717 / May 5, 2014 / $1,065 / $1,300
Apr 2014: $143,192 / March 31, 2014 / $1,065 / $1,200
Mar 2014: $143,507 / March 3, 2014 / $1,065 / $1,205
Feb 2014: $143,796 / January 31, 2014 / $1,106 / $1,400
Jan 2014: $144,178 / January 2, 2014 / $1,106 / $1,105
Dec 2013: $144,416 / December 2, 2013 / $1,106 / $1,105
Nov 2013: $144,652 / November 4, 2013 / $1,106 / $1,300
Oct 2013: $145,037 / September 30, 2013 / $1,106 / $1,105
Sep 2013: $145,271 / September 4, 2013 / $1,106 / $1,105
Aug 2013: $145,505 / August 1, 2013 / $1,106 / $1,105
Jul 2013: $145,738 / June 28, 2013 / $1,106 / $1,105
Jun 2013: $145,970 / May 29, 2013 / $1,106 / $1,250
May 2013: $146,296 / May 1, 2013 / $1,106 / $1,200
Apr 2013: $146,576 / March 29, 2013 / $1,106 / $1,400
Mar 2013: $146,950 / February 28, 2013 / $1,106 / $1,095

The original amount of this account was $148,633
  

CHAPMAN COLLEGE
Address:  Account Number:
333 N GLASSELL ST 290609999994....
ORANGE, CA 92866
(714) 744­7814 
Address Identification Number:
0638095650 
Status:  Transferred,closed/Never late. Deferred, Status Details:  This account is scheduled to continue on
payment date not reported  record until Apr 2018. 

Date Opened: Type: Credit Limit/Original Amount:

12/2005 Education $2,000
Reported Since: Terms: High Balance:
12/2005 NA NA
Date of Status: Monthly Payment: Recent Balance:
04/2008 $0 NA
Last Reported: Responsibility: Recent Payment:

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 14/39
3/20/2015 Experian ­ Report Summary
04/2008 Individual NA
Comment:  Purchased by another lender. 

Payment History:
2008 2007 2006
APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV
CLS OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005
OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC
OK OK OK OK OK OK OK OK OK OK OK

DEPT OF EDUCATION/NELNET
Address:  Account
121 S 13TH ST Number:
LINCOLN, NE 68508 90000043298....
No phone number
available 
Address Identification Number:
0516045331 
Status:  Transferred,closed/Never late.  Status Details:  This account is scheduled to continue on record until Jul
2024. 

Date Opened: Type: Credit Limit/Original Amount:

01/2014 Education $10,250
Reported Since: Terms: High Balance:
02/2014 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
07/2014 $0 NA
Last Reported: Responsibility: Recent Payment:
07/2014 Individual NA
Payment History:
2014
JUL JUN MAY APR MAR FEB
CLS OK OK OK OK OK

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Jun 2014: $10,250 / no data / $119 / no data
May 2014: $10,250 / no data / $119 / no data
Apr 2014: $10,250 / no data / $119 / no data
Mar 2014: $10,250 / no data / $119 / no data
Feb 2014: $10,250 / no data / $119 / no data

The original amount of this account was
$10,250   

PARTNERS FED CR UN
Address:  Account
PO BOX 10000 Number:
LAKE BUENA VISTA, 87194....
FL 32830
(800) 948­6677 
Address Identification Number:
0693625694 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until
Sep 2018. 

Date Opened: Type: Credit Limit/Original Amount:

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 15/39
3/20/2015 Experian ­ Report Summary
03/2006 Unsecured $4,578
Reported Terms: High Balance:
Since: 36 Months NA
03/2006 Monthly Payment: Recent Balance:
Date of $0 NA
Status: Responsibility: Recent Payment:
09/2008 Joint with JOSHUA R NA
BAKER
Last
Reported:
09/2008
Payment History:
2008 2007
SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR
CLS OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK

SCHOOLSFIRST FEDERAL CREDIT
UNION
Address:  Account
PO BOX 11547 Number:
SANTA ANA, CA 92711 406077001941....
No phone number
available 
Address Identification Number:
0185295339 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until Apr
2017. 

Date Opened: Type: Credit Limit/Original Amount:

06/1997 Credit card $4,200
Reported Since: Terms: High Balance:
02/2002 NA $4,212
Date of Status: Monthly Payment: Recent Balance:
04/2007 $0 NA
Last Reported: Responsibility: Recent Payment:
04/2007 Joint NA
Your Statement: 

Account closed at consumer's request. 

Payment History:
2007 2006 2005
APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV
CLS OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2004
OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2003 2002
APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

OCT SEP AUG JUL JUN MAY APR MAR FEB

OK OK OK OK OK OK OK OK OK

CITIBANK/SEARS
Address:  Account Number:
PO BOX 6283 512107230969....
SIOUX FALLS, SD 57117
(800) 917­7700 
Address Identification Number:
0516045331 

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 16/39
3/20/2015 Experian ­ Report Summary

Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on
record until Jan 2025. 

Date Opened: Type: Credit Limit/Original Amount:

08/2012 Credit card $2,000
Reported Since: Terms: High Balance:
09/2012 NA NA
Date of Status: Monthly Payment: Recent Balance:
01/2015 $0 NA
Last Reported: Responsibility: Recent Payment:
01/2015 Individual NA
Comment:  Account closed at credit grantor's request. 

Payment History:
2015 2014 2013
JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
CLS OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2012
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Dec 2014: $0 / no data / Unknown / no data
Nov 2014: $0 / no data / Unknown / no data
Oct 2014: $0 / no data / Unknown / no data
Sep 2014: $0 / no data / Unknown / no data
Aug 2014: $0 / no data / Unknown / no data
Jul 2014: $0 / no data / Unknown / no data
Jun 2014: $0 / no data / Unknown / no data
May 2014: $0 / no data / Unknown / no data
Apr 2014: $0 / no data / Unknown / no data
Mar 2014: $0 / no data / Unknown / no data
Feb 2014: $0 / no data / Unknown / no data
Jan 2014: $0 / no data / Unknown / no data
Dec 2013: $0 / no data / Unknown / no data
Nov 2013: $0 / no data / Unknown / no data
Oct 2013: $0 / no data / Unknown / no data
Sep 2013: $0 / no data / Unknown / no data
Aug 2013: $0 / no data / Unknown / no data
Jul 2013: $0 / no data / Unknown / no data
Jun 2013: $0 / no data / Unknown / no data
May 2013: $0 / no data / Unknown / no data
Apr 2013: $0 / no data / Unknown / no data
Mar 2013: $0 / no data / Unknown / no data

Between Mar 2013 and Dec 2014, your credit limit/high
balance was $2,000   

SEARS/CITIBANK
Address:  Account Number:
PO BOX 6282 115007495....
SIOUX FALLS, SD 57117
(800) 917­7700 
Address Identification Number:
0186307082 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to
continue on record until Mar 2019. 

Date Opened: Type: Credit Limit/Original Amount:

03/2001 Charge Card $1,800
Reported Since: Terms: High Balance:
04/2001 NA $117
Date of Status: Monthly Payment: Recent Balance:
03/2009 $0 NA
Last Reported: Responsibility: Recent Payment:

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 17/39
3/20/2015 Experian ­ Report Summary
03/2009 Authorized user NA
Your Statement: 

Account closed at consumer's request and dispute investigation
completed, consumer disagrees. 

Payment History:
2008 2007
2009 FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT
MAR OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
CLS
2006
SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005 2004
APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2003
OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2002
APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR
OK OK OK OK OK OK OK OK OK OK OK OK OK

SALLIE MAE
Address:  Account Number:
PO BOX 9500 9484941520100011997....
WILKES BARRE,
PA 18773
(888) 272­5543 
Address Identification Number:
0184110958 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until
Aug 2020. 

Date Opened: Type: Credit Limit/Original Amount:

09/1997 Education $2,625
Reported Since: Terms: High Balance:
03/2000 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
CLS ND ND ND ND ND ND ND OK OK OK OK ND ND ND ND ND ND
2008 2007
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005 2004
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2003
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK OK

SALLIE MAE
Address:  Account Number:
PO BOX 9500 9484941520100021998....

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 18/39
3/20/2015 Experian ­ Report Summary
WILKES BARRE,
PA 18773
(888) 272­5543 
Address Identification Number:
0184110958 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until
Aug 2020. 

Date Opened: Type: Credit Limit/Original Amount:

09/1998 Education $3,500
Reported Since: Terms: High Balance:
03/2000 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
CLS ND ND ND ND ND ND ND OK OK OK OK ND ND ND ND ND ND
2008 2007
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005 2004
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2003
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK OK

SALLIE MAE
Address:  Account Number:
PO BOX 9500 9484941520100031999....
WILKES BARRE,
PA 18773
(888) 272­5543 
Address Identification Number:
0184110958 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until
Aug 2020. 

Date Opened: Type: Credit Limit/Original Amount:

09/1999 Education $3,500
Reported Since: Terms: High Balance:
07/2000 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
CLS ND ND ND ND ND ND ND OK OK OK OK ND ND ND ND ND ND
2008 2007
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005 2004
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 19/39
3/20/2015 Experian ­ Report Summary
OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK
2003
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK OK

SALLIE MAE
Address:  Account Number:
PO BOX 9500 9484941520100041999....
WILKES BARRE,
PA 18773
(888) 272­5543 

Address Identification Number:
0184110958 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until
Aug 2020. 

Date Opened: Type: Credit Limit/Original Amount:

09/1999 Education $2,253
Reported Since: Terms: High Balance:
07/2000 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
CLS ND ND ND ND ND ND ND OK OK OK OK ND ND ND ND ND ND
2008 2007
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005 2004
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2003
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK OK OK OK OK OK OK OK OK OK OK OK

SALLIE MAE
Address:  Account Number:
PO BOX 9500 9484941520100052002....
WILKES BARRE,
PA 18773
(888) 272­5543 
Address Identification Number:
0184110958 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until
Aug 2020. 

Date Opened: Type: Credit Limit/Original Amount:

09/2002 Education $5,500
Reported Since: Terms: High Balance:
11/2005 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 20/39
3/20/2015 Experian ­ Report Summary
CLS ND
ND ND ND ND ND ND OK OK OK OK ND ND ND ND ND ND
2008 2007
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005
FEB JAN DEC NOV
OK OK OK OK

SALLIE MAE
Address:  Account Number:
PO BOX 9500 9484941520100062003....
WILKES BARRE,
PA 18773
(888) 272­5543 
Address Identification Number:
0184110958 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until
Aug 2020. 

Date Opened: Type: Credit Limit/Original Amount:

08/2003 Education $5,500
Reported Since: Terms: High Balance:
11/2005 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
CLS ND ND ND ND ND ND ND OK OK OK OK ND ND ND ND ND ND
2008 2007
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005
FEB JAN DEC NOV
OK OK OK OK

SALLIE MAE
Address:  Account Number:
PO BOX 9500 9484941520100072004....
WILKES BARRE,
PA 18773
(888) 272­5543 
Address Identification Number:
0184110958 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until
Aug 2020. 

Date Opened: Type: Credit Limit/Original Amount:

08/2004 Education $4,125
Reported Since: Terms: High Balance:
11/2005 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 21/39
3/20/2015 Experian ­ Report Summary

Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
CLS ND ND ND ND ND ND ND OK OK OK OK ND ND ND ND ND ND
2008 2007
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005
FEB JAN DEC NOV
OK OK OK OK

SALLIE MAE
Address:  Account Number:
PO BOX 9500 9484941520100082002....
WILKES BARRE,
PA 18773
(888) 272­5543 
Address Identification Number:
0184110958 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until
Aug 2020. 

Date Opened: Type: Credit Limit/Original Amount:

09/2002 Education $5,000
Reported Since: Terms: High Balance:
11/2005 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
CLS ND ND ND ND ND ND ND OK OK OK OK ND ND ND ND ND ND
2008 2007
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005
FEB JAN DEC NOV
OK OK OK OK

SALLIE MAE
Address:  Account Number:
PO BOX 9500 9484941520100092003....
WILKES BARRE,
PA 18773
(888) 272­5543 
Address Identification Number:
0184110958 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until
Aug 2020. 

Date Opened: Type: Credit Limit/Original Amount:

08/2003 Education $5,000
Reported Since: Terms: High Balance:
11/2005 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 22/39
3/20/2015 Experian ­ Report Summary
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
CLS ND ND ND ND ND ND ND OK OK OK OK ND ND ND ND ND ND
2008 2007
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005
FEB JAN DEC NOV
OK OK OK OK

SALLIE MAE
Address:  Account Number:
PO BOX 9500 9484941520100102004....
WILKES BARRE,
PA 18773
(888) 272­5543 
Address Identification Number:
0184110958 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until
Aug 2020. 

Date Opened: Type: Credit Limit/Original Amount:

08/2004 Education $6,375
Reported Since: Terms: High Balance:
11/2005 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
08/2010 $0 NA
Last Reported: Responsibility: Recent Payment:
08/2010 Individual NA
Payment History:
2010 2009
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
CLS ND ND ND ND ND ND ND OK OK OK OK ND ND ND ND ND ND
2008 2007
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
ND ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK
2006
AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2005
FEB JAN DEC NOV
OK OK OK OK

TD BANK N.A.
Address:  Account
PO BOX 219 Number:
LEWISTON, 469099....
ME 04243
(866) 246­0192 
Address Identification Number:
0063405981 
Status:  Paid,Closed/Never late.  Status Details:  This account is scheduled to continue on record until Oct
2021. 

Date Opened: Type: Credit Limit/Original Amount:

05/2007 Secured Loan $14,242
Reported Terms: High Balance:
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 23/39
3/20/2015 Experian ­ Report Summary
Since: 61 Months NA
05/2007 Monthly Payment: Recent Balance:
Date of $0 NA
Status: Responsibility: Recent Payment:
10/2011 Joint with JOSHUA R NA
Last BAKER
Reported:
10/2011
Payment History:
2011 2010
OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY
CLS OK OK OK OK ND ND ND ND ND ND ND ND ND ND ND ND ND
2009 2008
APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV
ND ND ND ND ND ND ND ND ND OK OK OK OK OK OK OK OK OK
2007
OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

TDRCS/ROOMS TO GO
Address:  Account Number:
1000 MACARTHUR BLVD 731003600141....
MAHWAH, NJ 07430
No phone number available 
Address Identification Number:
0063405981 
Status:  Open/Never late. 
Date Opened: Type: Credit Limit/Original Amount:
08/2012 Charge Card $3,700
Reported Since: Terms: High Balance:
08/2012 NA NA
Date of Status: Monthly Payment: Recent Balance:
08/2012 $0 $0 /paid as of 08/2012
Last Reported: Responsibility: Recent Payment:
08/2012 Individual $0
Payment History:
2012
AUG
OK

UNIVERSITY OF SO CALIF
Address:  Account Number:
1150 W JEFFERSON BLVD # 100 542009999994....
LOS ANGELES, CA 90089
(213) 740­4077 
Address Identification Number:
0070136873 
Status:  Transferred,closed/Never late. Deferred, Status Details:  This account is scheduled to continue on
payment date not reported  record until Jun 2018. 

Date Opened: Type: Credit Limit/Original Amount:

10/2003 Education $1,000
Reported Since: Terms: High Balance:
01/2001 120 Months NA
Date of Status: Monthly Payment: Recent Balance:
06/2008 $0 NA
Last Reported: Responsibility: Recent Payment:
06/2008 Individual NA
Comment:  Purchased by another lender. 

Payment History:

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 24/39
3/20/2015 Experian ­ Report Summary
2007
2008 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN
JUN OK OK OK OK OK OK OK OK OK OK OK ND ND ND ND ND ND
CLS 2006 2005
DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2004
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2003 2002
JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2001
JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL
OK OK OK OK OK OK OK OK OK OK OK OK OK

GREAT LAKES HIGHER EDUCATION
Address:  Account Number:
PO BOX 7860 262205612879....
MADISON, WI 53707
No phone number available 
Address Identification Number:
0516045331 
Status:  Open/Never late. Deferred, payments begin Jan 2016. 
Date Opened: Type: Credit Limit/Original Amount:
01/2014 Education $29,628
Reported Since: Terms: High Balance:
07/2014 NA NA
Date of Status: Monthly Payment: Recent Balance:
02/2015 $0 $29,628 as of 02/2015
Last Reported: Responsibility: Recent Payment:
02/2015 Individual $0
Payment History:
2015
FEB
OK

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Jan 2015: $29,628 / no data / $0 / no data
Dec 2014: $20,500 / no data / $0 / no data
Nov 2014: $20,500 / no data / $0 / no data
Oct 2014: $20,500 / no data / $0 / no data
Sep 2014: $20,500 / no data / $0 / no data
Aug 2014: $20,500 / no data / $0 / no data
Jul 2014: $10,250 / no data / $0 / no data

The original amount of this account was $29,628
  

GREAT LAKES HIGHER EDUCATION
Address:  Account Number:
PO BOX 7860 362205612879....
MADISON, WI 53707
No phone number available 
Address Identification Number:
0516045331 
Status:  Open/Never late. Deferred, payments begin Jan 2016. 
Date Opened: Type: Credit Limit/Original Amount:
07/2010 Education $113,584
Reported Since: Terms: High Balance:
06/2013 NA NA
Date of Status: Monthly Payment: Recent Balance:
02/2015 $0 $113,584 as of 02/2015
Last Reported: Responsibility: Recent Payment:
02/2015 Individual $0
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 25/39
3/20/2015 Experian ­ Report Summary
Payment History:
2015 2014 2013
FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP
OK ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND

AUG JUL JUN

OK OK OK

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Jan 2015: $113,584 / August 27, 2013 / $0 / no data
Dec 2014: $113,584 / August 27, 2013 / $0 / no data
Nov 2014: $113,584 / August 27, 2013 / $0 / no data
Oct 2014: $113,584 / August 27, 2013 / $0 / no data
Sep 2014: $113,584 / August 27, 2013 / $0 / no data
Aug 2014: $113,584 / August 27, 2013 / $0 / no data
Jul 2014: $113,584 / August 27, 2013 / $0 / no data
Jun 2014: $113,584 / August 27, 2013 / $0 / no data
May 2014: $113,584 / August 27, 2013 / $0 / no data
Apr 2014: $113,584 / August 27, 2013 / $0 / no data
Mar 2014: $113,584 / August 27, 2013 / $0 / no data
Feb 2014: $113,584 / August 27, 2013 / $0 / no data
Jan 2014: $113,584 / August 27, 2013 / $0 / no data
Dec 2013: $113,584 / August 27, 2013 / $0 / no data
Nov 2013: $113,584 / August 27, 2013 / $0 / no data
Oct 2013: $113,584 / August 27, 2013 / $0 / no data
Sep 2013: $113,584 / August 27, 2013 / $0 / no data
Aug 2013: $113,584 / August 27, 2013 / $298 / $298
Jul 2013: $112,554 / no data / $298 / no data
Jun 2013: $112,554 / no data / $298 / no data

The original amount of this account was $113,584
  

U.S. DEPT OF ED ­ DIRECT LOANS
Address:  Account
PO BOX 5609 Number:
GREENVILLE, 70000169593....
TX 75403
(800) 433­3243 
Address Identification Number:
0516045331 
Status:  Transferred,closed/Never late.  Status Details:  This account is scheduled to continue on record until Jun
2023. 

Date Opened: Type: Credit Limit/Original Amount:

07/2010 Education $48,166
Reported Since: Terms: High Balance:
10/2011 300 Months NA
Date of Status: Monthly Payment: Recent Balance:
06/2013 $0 NA
Last Reported: Responsibility: Recent Payment:
06/2013 Individual NA
Payment History:
2013 2012
JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN
CLS OK OK OK OK OK OK OK OK OK OK OK OK OK OK ND ND OK
2011
DEC NOV OCT
OK ND OK

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
May 2013: $49,932 / May 1, 2013 / $132 / $105
Apr 2013: $49,932 / March 26, 2013 / $132 / $105

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 26/39
3/20/2015 Experian ­ Report Summary
Mar 2013: $49,932 / March 11, 2013 / $132 / $105

The original amount of this account was
$48,166   

U.S. DEPT OF ED ­ DIRECT LOANS
Address:  Account
PO BOX 5609 Number:
GREENVILLE, 70000169593....
TX 75403
(800) 433­3243 
Address Identification Number:
0516045331 
Status:  Transferred,closed/Never late.  Status Details:  This account is scheduled to continue on record until Jun
2023. 

Date Opened: Type: Credit Limit/Original Amount:

07/2010 Education $60,406
Reported Since: Terms: High Balance:
10/2011 300 Months NA
Date of Status: Monthly Payment: Recent Balance:
06/2013 $0 NA
Last Reported: Responsibility: Recent Payment:
06/2013 Individual NA
Payment History:
2013 2012
JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN
CLS OK OK OK OK OK OK OK OK OK OK OK OK OK OK ND ND OK
2011
DEC NOV OCT
OK ND OK

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
May 2013: $62,621 / May 1, 2013 / $165 / $192
Apr 2013: $62,621 / March 26, 2013 / $165 / $192
Mar 2013: $62,621 / March 11, 2013 / $165 / $192

The original amount of this account was
$60,406   

U.S. DEPT OF ED ­ DIRECT LOANS
Address:  Account
PO BOX 5609 Number:
GREENVILLE, 9609....
TX 75403
(800) 433­3243 
Address Identification Number:
0186781999 
Status:  Transferred,closed/Never late.  Status Details:  This account is scheduled to continue on record until Sep
2021. 

Date Opened: Type: Credit Limit/Original Amount:

07/2010 Education $111,313
Reported Since: Terms: High Balance:
08/2011 295 Months NA
Date of Status: Monthly Payment: Recent Balance:
09/2011 $0 NA
Last Reported: Responsibility: Recent Payment:
09/2011 Individual NA
Payment History:
2011
SEP AUG
CLS OK
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 27/39
3/20/2015 Experian ­ Report Summary

WELLS FARGO BANK
Address:  Account Number:
PO BOX 14517 446542049189....
DES MOINES, IA 50306
(800) 642­4720 
Address Identification Number:
0516045331 
Status:  Open/Never late. 
Date Opened: Type: Credit Limit/Original Amount:
11/2011 Credit card $900
Reported Since: Terms: High Balance:
11/2011 NA $420
Date of Status: Monthly Payment: Recent Balance:
03/2015 $15 $20 as of 03/2015
Last Reported: Responsibility: Recent Payment:
03/2015 Individual $582
Payment History:
2015 2014 2013
MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2012
SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
2011
MAR FEB JAN DEC NOV
OK OK OK OK OK

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Feb 2015: $95 / February 8, 2015 / $15 / $305
Jan 2015: $125 / January 7, 2015 / $15 / $253
Dec 2014: $27 / November 16, 2014 / $15 / $15
Nov 2014: $15 / November 9, 2014 / $15 / $476
Oct 2014: $183 / September 22, 2014 / $15 / $24
Sep 2014: $4 / September 11, 2014 / $4 / $539
Aug 2014: $172 / July 25, 2014 / $15 / $79
Jul 2014: $0 / June 4, 2014 / $15 / no data
Jun 2014: $0 / June 4, 2014 / $15 / $112
May 2014: $112 / March 2, 2014 / $15 / no data
Apr 2014: $0 / March 2, 2014 / $15 / no data
Mar 2014: $0 / March 2, 2014 / $15 / $79
Feb 2014: $0 / November 3, 2013 / $15 / no data
Jan 2014: $0 / November 3, 2013 / $15 / no data
Dec 2013: $0 / November 3, 2013 / $15 / no data
Nov 2013: $0 / November 3, 2013 / $15 / $165
Oct 2013: $0 / October 1, 2013 / $15 / $214
Sep 2013: $214 / August 23, 2013 / $15 / $30
Aug 2013: $0 / July 15, 2013 / $15 / $75
Jul 2013: $75 / June 25, 2013 / $15 / $15
Jun 2013: $64 / May 31, 2013 / $15 / $165
May 2013: $0 / January 13, 2013 / $15 / no data
Apr 2013: $0 / January 13, 2013 / $15 / no data
Mar 2013: $0 / January 13, 2013 / $15 / no data

Between Nov 2013 and Feb 2015, your credit limit/high balance was $900
Between Mar 2013 and Oct 2013, your credit limit/high balance was $300   

 
 
Record of Requests for Your Credit History

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 28/39
3/20/2015 Experian ­ Report Summary

Inquiries Shared With Others

We make your credit history available to your current and prospective creditors and employers as allowed by law.
Experian may list these inquiries for up to two years.

The section below lists all of the companies that have requested your credit history as a result of action you took, such as
applying for credit or financing or as a result of a collection. The inquiries in this section are shared with companies that
receive your credit history.

CAPITAL ONE US CARD 
Address:  Date of Request: 
PO BOX 30281 08/25/2013
SALT LAKE CITY UT 84130
(800) 955­7070
Address Identification Number:
0516045331 
Comments:
Unspecified. This inquiry is scheduled to continue on record until Sep 2015.

Inquiries Shared Only With You

You may not have initiated the following inquiries, so you may not recognize each source. We report these requests to you
only as a record of activities, and we do not include any of these requests on credit reports to others.

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

other creditors who want to offer you preapproved credit;
an employer who wishes to extend an offer of employment;
a potential investor in assessing the risk of a current obligation;
Experian Consumer Assistance to process a report for you;
your current creditors to monitor your accounts (date listed may reflect only the most recent request);
an end user to complete your mortgage loan application.

These inquiries do not affect your credit score.

WF CRD SVC 
Address:  Date of Request: 
PO BOX 14517 03/04/2015
DES MOINES IA 50306
(800) 642­4720

CAPITAL ONE 
Address:  Date of Request: 
PO BOX 30281 02/17/2015
SALT LAKE CITY UT 84130
(800) 955­7070

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 29/39
3/20/2015 Experian ­ Report Summary

BARCLAYS BANK DELAWARE 
Address:  Date of Request: 
100 SOUTH WEST AVE 02/10/2015
WILMINGTON DE 19801
(866) 283­6635

CAPITAL ONE 
Address:  Date of Request: 
PO BOX 30281 12/19/2014
SALT LAKE CITY UT 84130
(804) 967­1000

LENDING CLUB CORP 
Address:  Date of Request: 
71 STEVENSON ST STE 300 12/11/2014
SAN FRANCISCO CA 94105
(415) 632­5600

QUICKEN LOANS 
Address:  Date of Request: 
1050 WOODWARD AVE 11/28/2014, 08/31/2014
DETROIT MI 48226
(888) 900­9962

EMBRACE HOME LOANS 
Address:  Date of Request: 
25 ENTERPRISE CTR 11/14/2014, 04/23/2014, 03/05/2014, 01/22/2014
MIDDLETOWN RI 02842
(401) 846­3100

PARTNERS FED CR UN 
Address:  Date of Request: 
13705 INTERNATIONAL DR S 11/12/2014
ORLANDO FL 32821
No phone number available

CONSUMER PORTFOLIO SERVI 

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 30/39
3/20/2015 Experian ­ Report Summary
Address:  Date of Request: 
19500 JAMBOREE RD # FLRS 4/6 08/27/2014
IRVINE CA 92612
(949) 753­6800

CREDIT ONE BANK 
Address:  Date of Request: 
PO BOX 98873 08/07/2014, 06/09/2014, 04/29/2014, 12/23/2013, 11/08/2013, 09/27/2013, 08/13/2013, 06/28/2013,
LAS 04/25/2013, 03/12/2013
VEGAS NV 89193
(877) 825­3242

WELLS FARGO BANK 
Address:  Date of Request: 
PO BOX 14517 08/04/2014
DES MOINES IA 50306
(800) 642­4720

FREEDOM MORTGAGE CORPORA 
Address:  Date of Request: 
907 PLEASANT VALLEY AVE 07/29/2014, 05/28/2014
MOUNT LAUREL NJ 08054
(856) 626­2333

SPRINGLEAF FINANCIAL SVC 
Address:  Date of Request: 
601 NW 2ND ST 06/10/2014, 05/07/2014, 01/23/2014
EVANSVILLE IN 47708
(812) 422­4107

PMAC LENDING SERVICES IN 
Address:  Date of Request: 
15325 FAIRFIELD RANCH RD 05/13/2014, 02/25/2014
CHINO HILLS CA 91709
(909) 614­2000

PMAC LENDING SERVICES IN 
Address:  Date of Request: 
02/25/2014
  
No phone number available

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 31/39
3/20/2015 Experian ­ Report Summary

TD RETAIL CARD SERVICES/HUB 
Address:  Date of Request: 
1000 MACARTHUR BLVD 02/13/2014
MAHWAH NJ 07430
(201) 818­4000

RESIDENTIAL FINANCE 
Address:  Date of Request: 
ONE EAST OVAL ST STE 400 11/29/2013, 07/05/2013
COLUMBUS OH 43219
(602) 492­4681

RESIDENTIAL FINANCE 
Address:  Date of Request: 
07/05/2013
  
No phone number available

PROGRESSIVE INSURANCE 
Address:  Date of Request: 
6300 WILSON MILLS RD 05/21/2013
CLEVELAND OH 44143
(440) 575­5119

RICHARD J BOUDREAU & AS 

Address:  Date of Request: 
50 TOWER OFFICE PARK 05/07/2013
WOBURN MA 01801
(603) 890­1944

EXPERIAN 
Address:  Date of Request: 
PO BOX 9600 04/11/2013, 06/30/2011, 04/08/2009
ALLEN TX 75013
(800) 311­4769

EXPERIAN 
Address:  Date of Request: 
04/08/2009

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 32/39
3/20/2015 Experian ­ Report Summary
  
No phone number available

 
 
Personal Information

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

Names: Address:  1660 WILLOW OAK LN 
CARISSA A BAKER  SANFORD, FL 32773­8198 
Name identification number:  23978 Address identification number:  0516045331
  Type of Residence:  Single family
CARISSA A SECORD  Geographical Code: 0­2100030­117­5960
Name identification number:  10895
  Address:  300 SHEOAH BLVD APT1104 
WINTER SPRINGS, FL 32708­5318 
CARISSA A DALQUIST 
Address identification number:  0063405981
Name identification number:  21886
Type of Residence:  Apartment complex
 
CARISSA DALQUIST  Geographical Code: 0­2140140­117­5960
Name identification number:  25502
Address:  819 W FIGUEROA ST 
  SANTA BARBARA, CA 93101­4806 
CARISSA BAKER 
Name identification number:  7163 Address identification number:  0186781999

  Type of Residence:  Single family
CARISSA ANN SECORD  Geographical Code: 0­120310­83­7480
Name identification number:  13659
  Address:  300 SHEOAH BLVD 
CASSELBERRY, FL 32708­5320 
CARISSA SECORD 
Address identification number:  0063406013
Name identification number:  24069
Type of Residence:  Multifamily
 
Geographical Code: 0­2140140­117­5960
CARISSA AN SECORD 
Name identification number:  2998
Address:  437 PINETREE WAY 
  RIVERSIDE, CA 92506­6289 
CARISSA SELORD  Address identification number:  0184110958
Name identification number:  5213 Type of Residence:  Single family
  Geographical Code: 0­4220520­65­6780

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 33/39
3/20/2015
CARISSA A SELORD 
Name identification number:  25503
CARISSA ANN SECORD DALQUIST 
Name identification number:  7505
Experian ­ Report Summary
Address:  14537 GATEWAY POINTE CIR #10 
ORLANDO, FL 32821­5157 
Address identification number:  0428328470
Type of Residence:  Apartment complex
Geographical Code: 0­1700520­95­5960

Year of birth: Address:  770 EL CERRITO DR APT1 
RIVERSIDE, CA 92507­6026 
1979 
Address identification number:  0184138663
Spouse or co­applicant: Type of Residence:  Apartment complex
JONATHAN 
Geographical Code: 0­4220610­65­5960
Employers:
Address:  14537 GATEWAY POINTE CIR APT101 
SEMINOLE STATE COLLEGE ORLANDO, FL 32821­5157 
UC RIVERSIDE
UNIVERSITY OF CALIFORNI Address identification number:  0408728013
U OF CENTRAL FLORIDA Type of Residence:  Apartment complex

Telephone numbers: Geographical Code: 0­1700520­95­6780
(321) 262­2603 Cellular 
(321) 262­2671 Cellular  Address:  7770 EL CERRITO DR APT 1 
(407) 432­7160 Cellular  RIVERSIDE, CA 92507­ 
Address identification number:  0693625694
Type of Residence:  Apartment complex
Geographical Code: 0­00­ 0­5960

Address:  6918 SHADOWOOD ST 
RIVERSIDE, CA 92506­6232 
Address identification number:  0184110676
Type of Residence:  Single family
Geographical Code: 0­4220520­65­

Address:  517 ALAFAYA WOODS BLVD APTE 
OVIEDO, FL 32765­5576 

Address identification number:  0063691486
Type of Residence:  Apartment complex
Geographical Code: 0­2130910­117­6780

Address:  14537 GATEWAY POINTE CIR APT10112 
ORLANDO, FL 32821­5146 
Address identification number:  0638095650
Type of Residence:  Apartment complex
Geographical Code: 0­1700520­95­5960

Address:  14537 GATEWAY POINTE CIR #1 
ORLANDO, FL 32821­5157 

Address identification number:  0434414568
Type of Residence:  Apartment complex

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 34/39
3/20/2015 Experian ­ Report Summary

Geographical Code: 0­1700520­95­5960

Address:  7326 VARIEL AVE APT15 
CANOGA PARK, CA 91303­1666 
Address identification number:  0176069613
Type of Residence:  Apartment complex
Geographical Code: 0­13400020­37­5960

Address:  2908 LANDTREE PL 
ORLANDO, FL 32812­5952 
Address identification number:  0070136873
Type of Residence:  Single family
Geographical Code: 0­1360410­95­4480

Address:  417 E WALNUT AVE 
ORANGE, CA 92867­6745 
Address identification number:  0185329068
Type of Residence:  Single family
Geographical Code: 0­7620540­59­5960

Address:  323 N CENTER ST 
ORANGE, CA 92866­1001 
Address identification number:  0185295339
Type of Residence:  Single family
Geographical Code: 0­7590110­59­5945

Address:  444 NORMANDY AVE 
PLACENTIA, CA 92870­3430 
Address identification number:  0185384692
Type of Residence:  Single family
Geographical Code: 0­1171520­59­5945

Address:  660 W BROADWAY APT204 
ANAHEIM, CA 92805­3683 
Address identification number:  0186307082
Type of Residence:  Apartment complex
Geographical Code: 0­8720020­59­5945

Address:  497 FIGUEROA 
SANTA BARBARA, CA 93101­ 
Address identification number:  0761260810
Type of Residence:  Single family
Geographical Code: 0­00­ 0­5945

Address:  770 EL CERRITO 1 DR 
RIVERSIDE, CA 92507­ 

Address identification number:  0398548493
Type of Residence:  Single family
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 35/39
3/20/2015 Experian ­ Report Summary

Geographical Code: 0­00­ 0­

Address:  770 EL CERRITO DR 
RIVERSIDE, CA 92507­6087 
Address identification number:  0184138996
Type of Residence:  Multifamily
Geographical Code: 0­4220610­65­5945

Address:  6908 SHADOWOOD ST 
RIVERSIDE, CA 92506­6232 
Address identification number:  0692091330
Type of Residence:  Single family
Geographical Code: 0­4220520­65­5945

Address:  517 ALAFAYA WOODS BLVD 
OVIEDO, FL 32765­5576 
Address identification number:  0063697671
Type of Residence:  Multifamily
Geographical Code: 0­2130910­117­5945

back to top
Get Your FICO® Score
Your free annual credit report does not include your credit score. A credit score is an additional offer that can
be purchased. Along with knowing your FICO® score you will learn what factors positively or negatively impact
your credit risk and more.

Visit www.experian.com/score to get your FICO® score.

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

 
 
Know your rights

FCRA Rights

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

A Summary of Your Rights under the Fair Credit Reporting Act 

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of
information in the files of consumer reporting agencies. There are many types of consumer reporting
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 36/39
3/20/2015 Experian ­ Report Summary
agencies, including credit bureaus and specialty agencies (such as agencies that sell information about
check writing histories, medical records, and rental history records). Here is a summary of your major
rights under the FCRA. For more information, including information about additional rights, go to
www.consumerfinance.gov/learnmore  or write to: Consumer Financial Protection Bureau, 1700 G
Street N.W., Washington, D.C. 20552. 

You must be told if information in your file has been used against you. Anyone who uses a
credit report or another type of consumer report to deny your application for credit, insurance, or
employment – or to take another adverse action against you – must tell you, and must give you
the name, address, and phone number of the agency that provided the information.
You have the right to know what is in your file. You may request and obtain all the information
about you in the files of a consumer reporting agency (your "file disclosure"). You will be required
to provide proper identification, which may include your Social Security number. In many cases,
the disclosure will be free. You are entitled to a free file disclosure if:

a person has taken adverse action against you because of information in your credit
report;
you are the victim of identify theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.
All consumers are entitled to one free disclosure every 12 months upon request from each
nationwide credit bureau and from nationwide specialty consumer reporting agencies. See
www.consumerfinance.gov/learnmore  for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of your
credit­worthiness based on information from credit bureaus. You may request a credit score from
consumer reporting agencies that create scores or distribute scores used in residential real
property loans, but you will have to pay for it. In some mortgage transactions, you will receive
credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify information
in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the
agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore  for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable
information. Inaccurate, incomplete or unverifiable information must be removed or corrected,
usually within 30 days. However, a consumer reporting agency may continue to report
information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a
consumer reporting agency may not report negative information that is more than seven years
old, or bankruptcies that are more than 10 years old.
Access to your file is limited. A consumer reporting agency may provide information about you
only to people with a valid need ­­ usually to consider an application with a creditor, insurer,
employer, landlord, or other business. The FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers. A consumer reporting
agency may not give out information about you to your employer, or a potential employer, without
your written consent given to the employer. Written consent generally is not required in the
trucking industry. For more information, go to www.consumerfinance.gov/learnmore .
You may limit "prescreened" offers of credit and insurance you get based on information in
your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll­
free phone number you can call if you choose to remove your name and address from the lists
these offers are based on. You may opt­out with the nationwide credit bureaus at
1 888 5OPTOUT (1 888 567 8688).
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a
user of consumer reports or a furnisher of information to a consumer reporting agency violates
the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights. For more
information, visit www.consumerfinance.gov/learnmore .

States may enforce the FCRA, and many states have their own consumer reporting laws. In some
cases, you may have more rights under state law. For more information, contact your state or local
consumer protection agency or your state Attorney General. For more information about your
federal rights, contact: 
 
Type of Business: Contact:
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 37/39
3/20/2015 Experian ­ Report Summary

1.a. Banks, savings associations, and credit unions with total assets of a. Bureau of Consumer
over $10 billion and their affiliates. Financial Protection
1700 G Street NW
b. Such affiliates that are not banks, savings associations, or credit Washington, DC 20552
unions also should list in addition to the Bureau:
b. Federal Trade
Commission: Consumer
Response Center ­ FCRA
Washington, DC 20580 (877)
382­4357

2. To the extent not included in item 1 above: a. Office of the Comptroller of
the Currency 
a. National banks, federal savings associations, and federal branches and Customer Assistance Group 
federal agencies of foreign banks 1301 McKinney Street, Suite
3450
b. State member banks, branches and agencies of foreign banks (other Houston, TX 77010­9050
than federal branches, federal agencies, and insured state branches of
foreign banks), commercial lending companies owned or controlled by b. Federal Reserve
foreign banks, and organizations operating under section 25 or 25A of the Consumer Help Center
Federal Reserve Act PO Box 1200 
Minneapolis, MN 55480
c. Nonmember Insured banks, Insured State Branches of Foreign Banks,
and insured state savings associations c. FDIC Consumer Response
Center
d. Federal Credit Unions 1100 Walnut Street, Box #11
Kansas City, MO 64106

d. National Credit Union
Administration
Office of Consumer Protection
(OCP)
Division of Consumer
Compliance and Outreach
(DCCO)
1775 Duke Street
Alexandria, VA 22314

3. Air carriers Asst. General Counsel for
Aviation Enforcement &
Proceedings
Aviation Consumer Protection
Division
Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590

4. Creditors Subject to Surface Transportation Board Office of Proceedings,
Surface Transportation Board
Department of Transportation
395 E Street, SW
Washington, DC 20423

5. Creditors Subject to Packers and Stockyards Act Nearest Packers and
Stockyards Administration
area supervisor

6. Small Business Investment Companies Associate Deputy
Administrator for Capital
Access
United States Small Business
Administration
409 Third Street, SW, 8th
Floor
Washington, DC 20416

7. Brokers and Dealers Securities and Exchange
Commission
100 F St NE
Washington, DC 20549

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

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 38/39
3/20/2015 Experian ­ Report Summary
Intermediate Credit Banks, and Production Credit Associations 1501 Farm Credit Drive
McLean, VA 22102­5090

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

States Rights
Notification of rights for Alabama consumers
Notification of rights for Alaska consumers
Notification of rights for Arkansas consumers
Notification of rights for California consumers
California notice of your rights to request and obtain your credit score
Notification of rights for Colorado consumers
Notification of rights for Connecticut consumers
Notification of rights for Delaware consumers
Notification of rights for District of Columbia consumers
Notification of rights for Florida consumers
Notification of rights for Georgia consumers
Notification of rights for Indiana consumers
Notification of rights for Maryland consumers
Notification of rights for Massachusetts consumers
Notification of rights for Missouri consumers
Notification of rights for Montana consumers
Notification of rights for Nevada consumers
Notification of rights for New Hampshire consumers
Notification of rights for New Jersey consumers
Notification of rights for New Mexico consumers
Notification of rights for New York consumers
Notification of rights for North Carolina consumers
Notification of rights for North Dakota consumers
Notification of rights for Ohio consumers
Notification of rights for Oklahoma consumers
Notification of rights for Rhode Island consumers
Notification of rights for Tennessee consumers
Notification of rights for Texas consumers
Notification of rights for Vermont consumers
Notification of rights for Virginia consumers
Notification of rights for Washington consumers
Notification of rights for West Virginia consumers
Notification of rights for Wisconsin consumers

https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do 39/39