EFTA01681789

EqUIFAK May 20, 2020 RE: Request for Records Equifax Inc. PO Box 105139 Atlanta, Georgia 30348 Dear Sir/Madam: In response to your request for records, Equifax states as follows: Credit report (s) dated May 20, 2020 for: Rourch, Timothy (fax) Equifax Information Services, LLC has not located any additional information responsive to your request. If you have any further questions please feel free to contact me at the above address. Note: Equifax has provided the entire credit file, but has removed blank pages and pages containing consumer notices that automatically print with the consumer file. As a result, there may be gaps in page numbers. Sincerely, Elisa Lyons Legal Support Associate EFTA01681789 DECLARATION OF CUSTODIAN OF RECORDS STATE OF GEORGIA ) COUNTY OF FULTON ) I, the undersigned declare as follows: 1. My name is Elisa Lyons. I am over 21 years of age and I am competent to testify as to the matters stated herein. I am a Legal Support Associate in the Office of Consumer Affairs for Equifax Information Services LLC and have authority to submit this declaration on its behalf. 2. I have personal knowledge of the facts set forth herein, except to the extent that I state herein another source for my knowledge. 3. The documents identified herein are true and accurate copies of the documents maintained by Equifax Information Services LLC. 4. These records and documents were prepared by personnel of Equifax in the ordinary course of business at or near the time of the acts, conditions or events described in the records. I declare under penalty of perjury that the foregoing is true and correct. Executed this 1/ day of May, 2020. Elisa Lyons Legal Support Associate & Records Custodian Equifax Information Services LLC EFTA01681790 EqUIFA7C CREDIT FILE : May 11, 2020 Personal Identification Information (This section includes your name, current and previous addresses, and any other identifying information reported by your creditors.) Name On File: Social Security # Current Address: Previous Address(es): Timothy M Routch Formerly Known As: Tim M Routch Last Reported Employment: Apv; Previous Employment(s): Self Employed: Confirmation • Please address all future correspondence to: I www.equifax.cornipersonal/disputes Equifax Information Services LLC P.O. Box 740241 Atlanta, GA 30374 PRIPto 5:00pm in your time zone. Collection Agency Information (This section includes accounts that credit grantors have placed for collection with a collection agency) Credit Account Information (For your security, the last 4 digits of account number(s) have been replaced by') (This section includes by credit grantors) open and closed accounts reported Account Column Title Descriptions: Account Number - The Account number reported by credit grantor Date Acct. Opened - The Date that the credit grantor opened the account High Credit - The Highest Amount Charged Credit Limit - The Highest Amount Permitted Terms Duration - The Number of Installments or Payments Terms Frequency - The Scheduled Time Between Payments Months Reviewed - The Number of Months Reviewed Activity Designator - The Most Recent Account Activity Creditor Class - The Type of Company Reporting The Account Date Reported - Date of Last Reported Update Balance Amount - The Total Amount Owed as of the Date Reported Status - Condition of Account When Last Updated by Creditor or Otherwise Amount Past Due - The Amount Past Due as of the Date Reported Date of Last Paymnt - The Date of Last Payment Actual Pay Amt - The Actual Amount of Last Payment Sched Pay Amt - The Requested Amount of Last Payment Date of 1st Delinquency - The Date of First Delinquency Date of Last Actvty - The Date of the Last Account Activity Date Maj Delq Rptd - The Date the 1st Major Delinquency Was Reported Charge Off Amt - The Amount Charged Off by Creditor Deferred Pay Date - The 1st Payment Due Date for Deferred Loans Balloon Pay Amt - The Amount of Final(Balloon) Payment Balloon Pay Date - The Date of Final(Balloon) Payment Date Closed - The Date the Account was Closed Account History Status Code Descriptions 1 : 30-59 Days Past Due 2 : 60-89 Days Past Due 3 : 90-119 Days Past Due 4 : 120-149 Days Past Due 5 : 150-179 Days Past Due 6 : 180 o More Days Past Due G : Collection Account H : Foreclosure J Voluntary Surrender K Repossession L Charge Off ( Continued On Next Page ) Page 5 of 24 1- 1-S EFTA01681791 Barclays Bank Delaware Acco n:litrrocr PO Box 8803 Wilmington DE 19899.8803 : Dale Cponed Hgh Ciotti Crude Urn Terms Malkin Tomes Fawn" 10/06/1989 $5,858 $17,000 Monthly Mcrae Revd Actulty OesIgnalsr 90 Paid and Closed Q.s Classecat on Items A: of flalan:c Antal Cara Mita Scheduled Dec. el 1St Dee 01 OM MIS Cunt/ Off DStedPiy Saloon Pay Stoat Dale Date Repoina Arrearil Pal Due UM Pasant Parent Nowt Parent Amin Deprophemy Last Addva Del 1st Rpld Amour( Start Cele Mewl Pay Date Closed 11/25/2013 $0 08/2010 08/2010 06/2010 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Flexible Spending Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Closed At Consumers Request; Closed or Paid Account/Zero Balance; Barclays Bank Delaware PO Box 8803 Wilmington DE 18899-8803 Cate Opened ttgh Creel Cr ecli s Watt Terms Fradency Mara Revd Rowdy Dehunatec Oreclux Cants:on 09/21/2008 $79 $5,000 Monthly 61 Paid and Closed Hears As of Balrca Amount Data of Actual Scheckad Date ol 1st Pete of Dale Mk Chime OR Dern] Pay Balloon Pay BMW Dale Da•r R000rtea Am' st Past Coe Last Pared Parrs Amount Phone Arnow Dolndusncy ActlAly Del III RIM Angie" Start Dae AMOurrt Pay Date Cased 11/19/2013 $0 10/2008 Status - Pays As Agreed: Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; Credit Card; Best Buy/CBNA 5800 S CORPORATE PL M C 234 MAIL CODE 294 SIOUX FALLS SD 57108 Data Opened High Dodd Credit LIM Teens °taboo Terms Frequency 07/16/2016 $1,603 $4,000 Monthly Months Revd Aohtty °swam 44 Paid and Closed Credlor dtasufezeon Urns As rt Diana Armin Cale ef ACAS Scheduled Dale el IR Dabs Dec. las Chime Off Deferred Pay Baktan Pay Balloon Date Dee Reported Amount Pail Cue Patriot Parml Musa Patent Amami Deets:Nem Lai Rata/ Del ISO Rptd Amaze Stan Dale Amen' Pay Dale Clout, 12/2017 12/2017 12/2019 03/25/2020 $0 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Individual Account ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; Charge; Account Closed Due to Inactivity; Histoncal Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan I Activity Designator 04/20 No Data Available 03/20 No Data Available 02/20 No Data Available 01/20 No Data Available 12/19 No Data Available 11/19 $0 12/1/2017 $1.603 $4.000 Charge Account 10/19 $0 I 12/1/2017 $1.603 $4,000 Charge Account ( Continued On Next Page ) Page 6 of 24 1- 1 - S EFTA01681792 Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 09/19 50 I 12/1/2017 $1,603 $4,000 Charge Account 08/19 $0 12/1/2017 $1,603 $4.000 Charge Account 07/19 SO 12/1/2017 $1,603 $4,000 Charge Account 06/19 $0 12/1/2017 $1,603 1$4.000 Charge Account 06/19 SO 12/1/2017 $1,603 54.000 Charge Account 04/19 $0 12/1/2017 $1.603 $4.000 Charge Account 03/19 $0 12/1/2017 51.603 $4,000 Charge Account 02/19 $0 12/1/2017 51.603 $4,000 Charge Account 01/19 $0 12/1/2017 151,603 I $4,000 Charge Account 12/18 No Data Available 11/18 50 12/112017 $1,603 $4,000 ICharge Account 10/18 $0 12/1/2017 51.603 $4,000 I Charge Account 09/18 SO 12/1/2017 $1,603 $4,000 1 Charge Account 08/18 $0 12/1/2017 51,603 $4,000 Charge Account 07/18 50 12/1/2017 $1,603 $4,000 Charge Account 06/18 SO 12/1/2017 $1.603 $4.000 Charge Account 05/18 $0 12/1/2017 $1,603 $4.000 Charge Account ( Continued On Next Page ) Page 7 of 24 1- 1 - S EFTA01681793 Capital One Bank USA Na PO Box 85015 Richmond VA 23285.5015 Ataxia Melbtf CIOIO Opened Mph Gryd Geed lime Tarn Oaten Tema Frequency ei0nen Rawl Meta Oryleryle* GedeofOleadalitn 10/30/2016 $3,433 $15,000 Monthly 41 llama As of Banta Amami Dad Adv.' SeNletied Dell a1$1 Ceded Dale M. Chwp Oe Dalefrod Pry Balloon Pay Balloon Daft DIM Reported Anseuil Past Due Lall Payne** PINOTIII Amato Pawed Amount Dcenqaancy Lag Atarn Del In Reid Amount Sten Date AFIWAIIII Pry Dela Class 04/17/2020 $375 04/2020 $25 04/2020 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Flexible Spending Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION-; Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 04/20 $375 $25 4/1/2020 33,433 $15.000 Flexible Spending Credit Card 03/20 $897 $25 3/1/2020 $3,433 $15,000 Flexible Spending Credit Card 02/20 $1,336 $25 1/1/2020 $3,433 $15,000 Flexible Spending Credit Card 01/20 $1,573 $25 1/1/2020 $3,433 $15,000 Flexible Spending Credit Card 12/19 $360 $25 12/1/2019 $3,433 $15,000 Flexible Spending Credit Card 11/19 $1,602 $25 11/1/2019 $3,433 $15.000 Flexible Spending Credit Card 10/19 $1,219 $25 10/1/2019 $3,433 $15.000 Flexible Spending Credit Card 09/19 $368 $25 9/1/2019 $3,433 $15,000 Flexible Spending Credit Card 08/19 $1,754 $25 7/1/2019 $3.433 $15,000 Flexible Spending Credit Card 07/19 $1,803 $25 6/1/2019 1 $3,433 $15,000 Flexible Spending Credit Card 06/19 $989 $25 6/1/2019 $3,433 $15,000 Flexible Spending Credit Card 05/19 $810 $25 5/1/2019 $3,433 $15,000 Flexible Spending Credit Card 04/19 $1.778 $25 4/1/2019 $3,433 $15,000 Flexible Spending Credit Card 03/19 $982 $25 3/1/2019 $3,433 $15,000 Flexible Spending Credit Card 02/19 $777 $25 1/1/2019 $3,433 $15,000 Flexible Spending Credit Card ( Continued On Next Page ) Page 8 of 24 1- 1 - S EFTA01681794 Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 01/19 $868 $25 1/1/2019 $3,433 $15,000 Flexible Spending Credit Card 12/18 $1,548 $25 11/1/2018 $3,433 $15,000 Flexible Spending Credit Card 11/18 $2,887 $28 10/1/2018 $3,062 $15,000 Flexible Spending Credit Card 10/18 $1,180 $25 10/1/2018 $3,062 $15,000 Flexible Spending Credit Card 09/18 $316 $25 9/1/2018 $3,062 $15,000 Flexible Spending Credit Card 08/18 $1,629 $25 8/1/2018 $3,062 $15.000 Flexible Spending Credit Card 07/18 $1,056 $25 6/1/2018 $3,062 $15,000 Flexible Spending Credit Card 06/18 $948 $25 5/1/2018 $3,062 $15,000 Flexible Spending Credit Card 05/18 $1,688 $25 4/1/2018 $3,062 $15,000 Flexible Spending Credit Card Citkards CBNA PO Box 6241 Sioux Falls SD 67117-6241 : OateOpened High Credt Creel lint Terns Curren Terms Ftequexy 03/11/2015 $4,443 $7,500 Monthly Items Al of Balance Amort Nee or Actual Scheduled Date el 1st Oat. Reported Amount Past Cue Lan Parra Parse Amman Parr Amon poincm,,,cy 12/11/2017 $0 09/2017 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Flexible Spending Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION • Account Closed At Consumers Request; Closed or Paid Account/Zero Balance; ; Account History 07/2017 with Status Codas 1 Cola 04 LOU Mowry Del. lit Rpm Amount Stan Deb AmdM 09/2017 Porde Revd Amity Operator 32 Paid and Closed Gretna fiesallicalco Dahl Mat. CIWgre Oil Chewed Pay Balloon Pay Whom Pay Oa* Due CJosect 07/2017 Chicards CBNA PO Box 6241 Sioux Falls SD 57117-6241 : Account Number Date Opened High Creel Gedl Law' 10/05/2013 $1,360 $8,500 lams As of Balance Dee ROW*: Amount 04/25/2016 $0 08/2014 Status - Pays As Agreed; Type of Account - Revolving. Type of Loan - Flexible Spending Credit Card; Whose Account - Individual Account ADDITIONAL INFORMATION - Account Closed At Consumers Request; Closed or Paid Accountaero Balance: : Amount Rae Due Ten* Duration Team Ftentency Monthly Monts Revd Minty Ossireet 30 Paid and Closed Ceecleat Casseificoton Dale Rep Charge Off Deterred Pay Balloon Pay Dot 1tt Rptd AniConl Stan Data Armen Payson Pa/pale Dates Aral Schelde, DSO of tat Date of Lou Payfent Parent AmouP Perin, Amount DefinplanCy Lan AollvtlY 08/2014 Dale CIOSect 06/2014 ( Continued On Next Page ) Page 9 of 24 1- 1- S EFTA01681795 Harts As cc Balance Da* Reprint AmOunt 02/18/2019 $0 MIN Dovonmuehle Mortgage In. 1501 E Woodfield Rd Schaumburg IL 601734052 Opined etch Off Great Unlit Terms Dit Tens Frequency 07/20/2016 $164,800 30Y Monthly Wean Rad Adivly Osurattx 5 Paid and Closed Crean( Classenation Items As of Balance Dale Raman knout 02/06/2017 $0 Status - Pays As Agreed; Type of Account - Mortgage; Type of Loan - Conventional Re Mortgage; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; Fixed Rate; Amami Pasl Cue OW Or AMA Unclad Dale of 1St Delia Last Parr Pawl Amur( Paymnt Amman pawpaw LW Minty 01/2017 $165.759 01/2017 Dan WI. Garr Od Deforrad Pay Balloon Pay Del Witind Awast Stan Dan Amcsnt Bakal Pay Dare Dare Cbsen 01/2017 Fifth Third Bank, N-A. Items As of B&W* Dale R coned Amours 09/30/2013 $0 5050 KINGSLEY DRIVE MD IMOCFP CINCINNATI OH 45263-0001 OW Opted Hgli Croat Owl Urns Terms Dutton Terms Frequerny 05/25/1994 $90,000 30Y Monthly WWII Dales Aural Scheduled Date°, IM Dad Pa** Out LW Parini Parini Mont Paymni Amara Deuxsystuy Last Manly 09/2013 $1,467 09/2013 Status - Pays As Agreed; Type of Account - Mortgage; Type of Loan - Conventional Re Mortgage; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance. Weals Red Acihtly Doagnalor 99 Paid and Closed Da63134 Clufge Off Weald Pay BallOan Pay Del. 1e Rptcl Arnaud Stan OW Amami Crean, Classic-non Babson Pay Den Kohls/CapItal One PO Box 3115 Milwaukee VII 53201.3115 Credit Unit Terms Duration Oat* Opened High Credit 08/10/2011 $110 $900 Amount Dee of Actual Sens-MUM Dale of Ist LW Cl Past Cu. Last Paymni Paymni Amount Parr Ammo, 04/2016 Terms FfidirCY Monthly Delnquency Last Actryty 04/2016 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account: Whose Account - Individual Account ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; Charge; Account Closed Due to Inactivity; Creator Clasuldnon Moran Red Awry Indignant 83 Paid and Closed an Mel. Maga Oil Delarred Pay Ballow Pay Del. let Rod Amount Stag Da Amount Balloon Pay Ode ra Closed 09/2013 De. aced 01/2019 Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of I Activity Loan Designator 04/20 No Data Available 03/20 No Data Available 02/20 No Data Available 01/20 No Data Available 12/19 No Data Available 11/19 No Data Available 10/19 No Data Available ( Continued On Next Rage ) Page 10 of 24 1- 1-5 EFTA01681796 Historical Account Information Balance Scheduled Payment Amount Actual Date of Paymen: Last Amount Paymert High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 09/19 No Data Available 08/19 No Data Available 07/19 No Data Available 06/19 No Data Available 05/19 No Data Available 04/19 No Data Available 03/19 No Data Available 02/19 No Data Available 01/19 $0 4/1/2016 $110 $900 Charge Account 12/18 $0 4/1/2016 $110 $900 I Charge Account 11/18 $0 I 4/1/2016 $110 $900 I Charge Account I 10/18 $0 4/1/2016 $110 $900 Charge Account 09/18 $0 I I 4/1/2016 $110 $900 I Charge Account 08/18 50 4/1/2016 $110 $900 Charge Account 07/18 50 I 4/1/2016 $110 $900 I Charge Account 06/18 $0 4/1/2016 $110 $900 Charge Account 05/18 $0 I 411/2016 $110 $900 I Charge Account ( Continued On Next Page ) Page 11 of 24 1- 1 - S EFTA01681797 Sears/CBNA PO Box 6217 SIOUX FALLS SD 57117 Date Opened Sigh DEM Ova Una $10,000 Terms Diseden Tams frequency Monthly Maly Revd Aclinly Detonator ca 99 Paid and Closed O la Classincelon 07/26/2008 $5 Items AS c4 Balance AMA Defeat Meal SCheduled Dele Of III Dated Dale Reported Amount Pal Due Lest Palma Pasmnt Amami Pamir" Mean OfilfdperdY tag AdmIY 10/2008 10109/2018 $0 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Consumer Disputes This Account Information; Closed or Paid Account/Zero Balance; Account Closed By Credit Grantor; Sears/CBNA PO Box 6217 SIOUX FALLS SD 57117 Dale Mat Charge Oil Deferral Pay Saloon Pay Bead Date Del. lat ROO Amami SIM Oat Amour* Pay Del* Cooed 02/2012 Del•OPOPOd Mph Dun! ci 05/01/2005 $841 .44 Una Terms Duman Tams f $7,730 rimming Mans Reed Monthly Aces,/ Designator ciedi 93 Paid and Closed ci alsseication NTS As CI Balance Amount Doted Actual Scheduled OM a lat Dale of Dale Mis Charge Ott Werra] Pay Balloon Pay Balboa Dale ore Reputed man! Peal Due Last Paymrd Permed Amount Perm, PnaZnalt Deenqueney Lett ACItety Del lit lapel Mount Sal Dale Arnount Pay Dge Closed 02/14/2013 $0 12/2005 12/2005 09/2006 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account- Individual Account; ADDITIONAL INFORMATION - Account Closed At Consumers Request; Closed or Paid Accountaero Balance; Syncb/Care Credit PO Box 965036 Orlando FL 32896-5036 Dale Opened High Credit Ctedt Licit 04/18/2017 $1,264 $2,000 Tams Duration Tansfmouenof Months Revd Aaiun °errata CrpcPlor Class nealrin Monthly 36 liars As of liolarce Amount Dated Meal Samined Date dist Dole a Date Pa. Charye Oil Derred Pay Palloan P.4 BLIDX.) D.: 1. Dale Ropomm Amami Past Die Lag PAMml Payirrit Amami Paymnt Amount Deinsymmy test Misty gel ld Sped AMOY" S'ar D.ra Amvant Pay Dale 04/30/2020 $0 02/2018 02/2018 Status - Pays As Agreed: Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Individual Account; ADDITIONAL INFORMATION - Charge: Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 04/20 No Data Available 03/20 $0 2/1/2018 $1,264 $2.000 I Charge Account 02/20 $0 2/1/2018 $1,264 $2,000 Charge Account 01/20 $0 2/1/2018 $1,264 $2.000 I Charge Account 12/19 $0 2/1/2018 51,264 $2.000 Charge Account I 11/19 $0 2/1/2018 $1.264 $2.000 Charge Account I 10/19 $0 2/1/2018 $1,264 $2,000 Charge Account 09/19 $0 2/1/2018 $1,264 $2,000 Charge Account i I Continued On Next Page ) Page 12 of 24 1- 1-S EFTA01681798 Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 08/19 $0 2/1/2018 $1.264 $2.000 I Charge Account 07/19 $0 2/1/2018 $1,264 $2,000 Charge Account 06/19 $0 2/1/2018 $1.264 $2.000 Charge Account 05/19 SO 2/1/2018 $1.264 $2,000 Charge Account 04/19 $0 2/1/2018 $1,264 $2,000 Charge Account 03/19 $0 2/1/2018 $1,264 $2,000 Charge Account 02/19 $0 2/1/2018 $1,264 $2.000 Charge Account 01/19 $0 I 2/1/2018 $1,264 $2,000 Charge Account 12/18 $0 2/1/2018 $1.264 $2.000 Charge Account 11/18 $0 2/1/2018 $1,264 $2.000 ICharge Account 10/18 SO 2/1/2018 $1,264 $2,000 Charge Account 09/18 SO 2/1/2018 $1,264 $2,000 Charge Account 08/18 $0 2/1/2018 $1,264 $2,000 Charge Account 07/18 $0 2/1/2018 $1,264 $2,000 Charge Account 06/18 $0 2/1/2018 $1,264 $2,000 Charge Account 05/18 $0 2/1/2018 $1,264 $2.000 Charge Account ( Continued On Next Page ) Page 13 of 24 1- 1 - S EFTA01681799 Syncb/Care Credit PO Box 965036 Orlando FL 32896-5036 Dale Opened Mqn Green 10/12/2016 $0 Credit Urn. $2,100 Terms Daimon Terms Frequency Monthly Monne Revd Annoy Detorn 18 Paid and Closed CaOlctOassMcabon It** As of Balanca De* Reported Amount 04130/2018 $0 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; Charge; Account Closed Due to Inactivity; Amount Date of Actual Scheduled Dale Of 1St Dale or Dale/al Onto* ON Pest Ds* Last Papwit Payrmt *Mui Pam* Amato Depoponey Last Axenty Ml. let Rpm ArnaLfd Defected Ply Balloon Pay Balms Dale Stan Date Amotrt Pay Date Ckried THD/CBNA PO Box 6217 SIOUX FALLS SD 57117 MIN Items As ol B➢lance Amount Done m Medd DOW SeeCtled Amount Pest Dm Lail Paprra Paymnt effileed 04/18/2020 $0 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account Whose Account - Individual Account ADDITIONAL INFORMATION - Charge; Data Opened HO Credt Crean Limit Terns Weikel Terms Frequency Maths Revd Awry Dosignator Monthly 16 12/15/2018 $56 $5,001 01/2019 Creator Casein:Mon 05/2017 Scheduled Date of let CV* of Dale PI* Charge CP Deferred Pay Balloon Pity Saloon Dale Pomo Amtust Delnquency Lail ACIMIy OK 1st Rpm Amount 0112019 Stan Data AMOUIll PST Dale Greed Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 04/20 $0 1/1/2019 $56 $5.001 Charge Account i I 03/20 $0 1/1/2019 $56 $5.001 Charge Account 02/20 $0 1/1/2019 $56 $6.000 Charge Account 01/20 $0 1/1/2019 1$56 $6.000 Charge Account 12/19 $0 1/1/2019 $56 $6.000 Charge Account 11/19 SO 1/1/2019 $56 $6.000 Charge Account 10/19 SO 1/1/2019 $56 56.000 Charge Account 09/19 $0 1/1/2019 $56 $6.000 Charge Account 08/19 SO 1/1/2019 S56 $6.000 Charge Account 07/19 50 1/1/2019 556 56.000 Charge Account 06/19 $0 1/1/2019 $56 $6,000 I Charge Account Continued On Next Page ) Page 14 of 24 1- 1 - S EFTA01681800 02/01/2016 $0 Histoncal Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 05/19 SO 1/1/2019 $56 $6.000 Charge Account 04/19 $0 1/1/2019 $56 $6,000 Charge Account 03/19 SO 1/1/2019 $56 $6,000 Charge Account 02/19 $0 1/1/2019 S56 $6.000 I Charge Account 01/19 $56 $29 $56 $6,000 Charge Account 12/18 $27 $27 $27 $6,000 Charge Account I USAA Federal Savings Bank PO Box 47504 San Antonio TX 78265.7504 Deb Opened KM Gaol Creel Lima 12/28/2012 $3,000 Temp etsabon Terms Frequency 60M Monthly Months Revd Actraly Des/matt 38 Paid and Closed UMW ClassificaUon lams As of Baena Amami Detect Actual Schmeded Dale at IP Oats of Dag M4 Charge Of Deemed Pay Balloon Pay MGM Date Dale Raponed Amount Past Due Last Perm' Parrante Arn0mt Parma Amount Defingrancy Lail Actrally Dal 151RFed Ambit SIM Dab Arrant Pay Date Closed 02/2016 $1,272 02/2016 02/2016 Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance: Auto: Fixed Rate: USAA Federal Savings Bank PO Box 47504 San Antonio 7X 78265-7504 : NNW cy Amount Dale Opened High Catirl 04/07/2009 55.000 Date Or mom Ctedi Until T Scheduled erms 0.ndon Tams Fragran 48M 45 Dam or 151 Date Of Monthly Monte Revd Acingy DesIgnMet werred Pay moon ps:redlot CIaSISSOOn Dale M$ Charge ce Paid and Closed Saban Dale Dale Reported Amount Peat Due Leal PaymM Payrnnl Mout Paymnl Angst Do roam Last Activity Dal IP RIM Amount Slat Date Amount Pay Date Closed 01/31/2013 $0 12/2012 12/2012 12/2012 Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Closed At Consumers Request; Closed or Paid Account/Zero Balance: USAA Savings Bank PO Box 33009 San Antonio TX 78265-3009 MEM Dale Opened bah Credt 87 12/26/2012 50 Crab tent 510.000 Monthly Term. Dmelon Tams Frequency Marta Revd Activity DesIgnakt Ctildbif Classiccation Items As a Sabra Amount Dates MUM Scheduled OM al lel Dit•Ol Data Mai. charge of Deigned Pay Ebben Pay Baran DM Date Repotted Amami Prat Due IASI Pseennt Pettiest Amoue Parent Maui Deircuency tall ActMly DM. Ill 1200 Anal Mtn Dale AmeLat Pay DOIS 03•00 04/17/2020 $0 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Flexible Spending Credit Card; Whose Account - Individual Account: ADDITIONAL INFORMATION - ; ( Continued On Next Page ) Page 15 of 24 1- 1 - S EFTA01681801 Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan 04/20 $0 SO $10,000 1Flexible Spending Credit Card 03/20 I 80 SO $10,000 Flexible Spending Credit Card 02/20 $0 I I SO I $10,000 Flexible Spending Credit Card 01/20150 I $0 $10,000 Flexible Spending Credit Card 12/19 150 $0 $10,000 Flexible Spending Credit Card 11/19 $0 I $0 $10,000 i Flexible Spending Credit Card 10/19 $0 I SO $10,000 Flexible Spending Credit Card 09/19 $0 $0 $10,000 Flexible Spending Credit Card I 08/19 $0 SO $10,000 Flexible Spending Credit Card 07/19 $0 $0 $10,000 Flexible Spending Credit Card 06/19 $0 $0 $10,000 Flexible Spending Credit Card 05/19 $0 $0 $10,000 Flexible Spending Credit Card 04/19 $0 $0 $10,000 1 Flexible Spending Credit Card 03/19 $0 $0 $10,000 Flexible Spending Credit Card 02/19 $0 SO $10,000 Flexible Spending Credit Card 01/19 80 $0 1$10,000 Flexible Spending Credit Card 12118 $0 $0 $10,000 Flexible Spending Credit Card 11/18 $0 $0 $10,000 Flexible Spending Credit Card *( Continued On Next Page ) Page 16 of 24 1- 1-S EFTA01681802 Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 10/18 50 $0 $10,000 Flexible Spending Credit Card 09/18 SO $0 $10,000 Flexible Spending Credit Card 08/18 $0 $0 $10,000 Flexible Spending Credit Card 07/18 $0 $0 $10,000 Flexible Spending Credit Card 06/18 $0 $0 $10.000 Flexible Spending Credit Card 05/18 $0 $0 $10.000 Flexible Spending Credit Card A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and those that do not. Inquiries that may impact your credit rating/score. These are inquiries made by companies to whom you have applied for a loan or credit. They may remain on your fife up to 2 years. Company Information Inquiry Date 1211512018 S Citibank Na/THD Ccs Gray Ops Ctr 541 Ski Martin Rd Gray, TN 37615-6210 ( Continued On Next Page ) Page 17 of 24 1- 1 - S EFTA01681803 Inquiries that do not impact your credit rating/score. to check credit file. They may These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests your remain on your file for up to 2 years. Company Information - Prefix Descriptions: AM OR AR - Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors. CAR RENT - Inquiries with this prefix are from rental car companies regarding debit card payment acceptance. COLLECT - Inquiries with this prefix are for collection purposes and may be from the lender, a party collecting on the lenders behalf, or a company that purchased your debt. CONS RPT - Inquiries with this prefix are from your requests for your own report or requests you have authorized as part of a service or product. DDA - Inquiries with this prefix relate to a review of your consumer report for the opening of a deposit account. EMPL OR ND EMPL - Inquiries with this prefix indicate an employment inquiry. EQUIFAX OR EFX - Inquiries with these prefixes indicate Equifax's activity in response to your contact with us for a copy or your credit file or a research request. FIN PLAN - Inquiries with this prefix relate to a review of your consumer report for financial counseling or planning. INS - Inquiries with this prefix are from insurance companies regarding a review of your consumer report for insurance underwriting purposes. MEDICAL - Inquiries with this prefix are from medical service providers. ND - Inquiries with this prefix are general inquiries that do not display to creditor grantors. ND MR - Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company in connection with a mortgage loan. NON APPL - Inquiries with this prefix are used when companies review the consumer report of a spouse who is not a co-applicant. PR - Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing. PREQAUTO - Inquiries with this prefix are used when you have provided consent to be prequalified for an auto loan or lease. PREQCARD - Inquiries with this prefix are used when you have provided consent to be prequalified for a credit card. PREQCOMM - Inquiries with this prefix are used when you have provided consent to be prequalified for telecommunications products or services. PREQHE - Inquiries with this prefix are used when you have provided consent to be prequalified for a home equity loan or line of credit. PREQIL - Inquiries with this prefix are used when you have provided consent to be prequalified for an installment loan other than auto, mortgage or home equity. PREQINS - Inquiries with this prefix are used when you have provided consent to be prequalified for an insurance quote. PREQMTG - Inquiries with this prefix are used when you have provided consent to be prequalified for a mortgage loan. PREQOD - Inquiries with this prefix are used when you have provided consent to be prequalified for an overdraft line of credit. PREQ - Inquiries with this prefix are used when you have provided consent to be prequalified for credit or services, not specific to auto, credit card, telecommunications, home equity, installment loan, insurance, mortgage or overdraft services. PRM - Inquires with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit of insurance. REFRESH - Inquiries with this prefix relate to the use of a consumer report in the period of time between underwriting and closing of a mortgage loan to ensure no new debt is identified. SUPPORT - Inquiries with this prefix are used by a social service agency related to a government benefit or child support. UTILSERV - Inquiries with this prefix are used when requesting utility services. Company Intommtion Inquiry Date s Equifax 05/1112020 PO Box 740241 Atlanta, GA 30374-0241 Phony 04/21/2020 AR-The Home Depot - Citi Na PO Box 6497 Citibank Sioux Falls. SD 57117-6497 Phone: AR-Capital One 03131/2020 PO Box 26030 Richmond, VA 23260-6030 Phoa. 12/17/2019 AR-Best Buy / CBNA PO Box 6497 Citibank Sioux Falls, SD 57117-6497 Phone. ( Contieued On Next Page ) Page 18 of 24 1- 1 - S EFTA01681804 Corroany Information PRM-Plogressive Insurance 300 N Commons Blvd Data/ate 1,"Jyliefd Wipe, OH 44143-1599 Inquiry Dato/s 10/29/2019 PRM-C6 Cards CBNA PO BOX 6142 SIOUX FALLS, SD 57117-6142 Phone PRM-Discover Financial Services 2500 Lake Cook Rd Rivenvoods, IL 60015-3851 Phone: ■ AR-Roper Si Francis Healthcare 316 Calhoun St Catealllanee Charleston, SC 29401-1113 ND Delft-Data Facts Inc.:CUSTOMS AND BORDER P 06/11/2018 8520 Macon Rd Ste 2 Cordova, TN 38018.7147 10/28/2019 08/29/2019 07/30/2019 •••• End of Credit File "" Page 19 of 24 0132026837CAP-002756097- 1- 1 - S EFTA01681805 Para infomacion en espanol, visite www.consumerfinance. • ovilearnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.govilearnmore 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. o You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: • a person has taken adverse action against you because of information in your credit report; • you are the victim of identity theft and place a fraud alert in your file; ▪ your file contains inaccurate information as a result of fraud; • you are on public assistance; • you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information. o 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. o 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. o 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. o 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. Page 20 of 24 1- 1 - 5 EFTA01681806