1printablereport 1

Credit Report Prepared For:
CARMELLA M DICKERSON
Report as Of: 12/5/2014
Personal & Confidential

Please Keep in a safe place for your records.
Report As Of: 12/5/2014
Table of Contents
Personal Information _____________________________________________________________________
Report Summary ________________________________________________________________________
Bankruptcy & Court Judgments ____________________________________________________________
Credit Inquires __________________________________________________________________________
Credit Cards, Loans & Other Debt ___________________________________________________________
Credit Score ___________________________________________________________________________
14
Experian ____________________________________________________________________________
15
Equifax ______________________________________________________________________________
16
Transunion ___________________________________________________________________________
17
CreditReport.com | A Part of Experian
Personal Information
Here you will find your personal information, including your legal name(s), year of birth, current and previous addresses, and current and previous employers.
Profile
Name
(Also Known As) AKA
Year of Birth
Address(es)
Current Employer
Previous Employer
CARMELLA DICKERSON
CARMELLA MONIQUE DICKERSON
1990
842 RIVERBIRCH DR # 203,
CHARLOTTE, NC 28210
1990
8425 RIVERBIRCH DR APT 203,
CHARLOTTE, NC 28210
1990
8425 RIVERBIRCH DR APT 203,

CHARLOTTE, NC 28210-6070
1227 NE MILES RD, BLYTHEWOOD,

SC 29016
1227 NE MILES RD, BLYTHEWOOD,

SC 29016-8103
842 RIVERBIRCH DR 203,

CHARLOTTE, NC 28210
TELEPERFORMANCE
TELEPERFORMANCE
TELEPERFORMANCE
CAREPRO
TARGET DISTRIBUTION CENTE
8425 RIVERBIRCH DR 203,

CHARLOTTE, NC 28210
1227 MILES RD, BLYTHEWOOD, SC
29016
Personal Statement
Your Experian Statement:

06& 10-24-14 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN
USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME
PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING . THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN
YEARS BEGINNING 10- 24- 14.
Your Equifax Statement:

FRAUD VICTIM. "EXTENDED ALERT". CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CONSUMER DID NOT
PROVIDE ADDITIONAL INFORMATION.
Your Transunion Statement:

OUNT
Personal Information Page 1 of 1
Report Summary
Bankruptcies
Credit Inquires
Credit Cards & Loans
Credit Score
Report Summary
This section provides you some of the most important data points on the credit report.
Summary
Accounts Listed Negative

Collections Accounts
Real Estate Debt
Installment Debt
Revolving Debt
% Revolving Credit Available
1
1
$0.00
$32,764.00
$0.00
100%
Report Summary Page 1 of 1
Bankruptcies
1
1
$0.00
$32,764.00
$0.00
100%
Credit Inquires
0
0
$0.00
$33,826.00
$0.00
100%
Credit Score
Bankruptcy & Court Judgments

Here you will find any court-related information, including bankruptcies, state and county court records, tax liens, monetary judgments, and in some states, overdue
child support payments. Remember, bankruptcies remain on your report for 7-10 years.
Public Records
There are no Public Records on your credit
report at this time.
Report Summary
No History
Bankruptcies Page 1 of 1
No History
Credit Inquires
No History
Credit Score
Credit Inquiries
Here you will find the names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on
your report for up to 2 years.
FINGERHUT/WEBBANK
Business Name
Inquiry Date
Business Type
FINGERHUT/WEBBANK
12/2/2014
FINGERHUT/WEBBANK
12/2/2014
Finance Companies - non specific
Mail Order Firms
WEBBNK/FHUT
12/2/2014
Department, variety, local, regional,
and national chains
800-356-2347
6509 FLYING CLOUD DR
EDEN PRAIRIE, MN 55344
SAFE FEDERAL CREDIT

Business Name
Inquiry Date
Business Type
SAFE FEDERAL CREDIT

11/28/2014
Credit Unions
803-469-8600
WESMARK BLVD EXT
SUMTER, SC 29150-0000
WFB AUTO
Business Name
Inquiry Date
Business Type
WFB AUTO
11/28/2014
Automotive
800-559-3557
PO BOX 29704
Phoenix, AZ 85038
RFC 651
Business Name
Inquiry Date
Business Type
RFC 651
5/5/2014
Personal Loans Cos.
864-422-8011
4401 EAST INDEPENDENCE BLVD.
STE. 102
CHARLOTTE, NC 28205
Report Summary
Bankruptcies
Credit Inquires Page 1 of 5
Credit Score
Credit Inquiries
SAFE FEDERAL CREDIT

Business Name
Inquiry Date
Business Type
SAFE FEDERAL CREDIT

5/3/2014
Credit Unions
803-469-8600
WESMARK BLVD EXT
SUMTER, SC 29150-0000
TIME WARNER CABLE-CH

Business Name
Inquiry Date
Business Type
TIME WARNER CABLE-CH

3/1/2014
Miscellaneous Utilities
Business Name
Inquiry Date
Business Type
ALLY FINANCIAL
12/2/2013
Auto Financing
Business Name
Inquiry Date
Business Type
ALLY FINANCIAL
11/30/2013
Auto Financing
No Phone Provided
3140 WEST ARROWOOD RD
CHARLOTTE, NC 28273
ALLY FINANCIAL
800-200-4622
P.O BOX 380901
BLOOMINGTON, MN 55438
ALLY FINANCIAL
800-200-4622
P.O BOX 380901
BLOOMINGTON, MN 55438
Report Summary
Bankruptcies
Credit Score
Credit Inquiries
GALEANA CHRYSLER JEE

Business Name
Inquiry Date
Business Type
GALEANA CHRYSLER JEE

11/30/2013
Automobile Dealers, New
803-779-7300
180 GREYSTONE BLVD
COLUMBIA, SC 29210-8015
JPMORGAN CHASE BANK

Business Name
Inquiry Date
Business Type
JPMORGAN CHASE BANK

11/30/2013
All Banks
800-999-6564
4915 INDEPENDENCE PARKWAY
TAMPA, FL 33634
JPMORGAN CHASE BANK

Business Name
Inquiry Date
Business Type
JPMORGAN CHASE BANK

11/30/2013
All Banks
800-336-6675
201 N. CENTRAL AVE, FLOOR 19
INTERNAL MAIL CODE: AZ1-1208
PHOENIX, AZ 85004
WELLS FARGO DEALER S

Business Name
Inquiry Date
Business Type
WELLS FARGO DEALER S

11/30/2013
Auto Financing
No Phone Provided
E2718-034 //23 PASTEUR
27XHRA816467001PT(167)
IRVINE, CA 92618
Report Summary
Bankruptcies
Credit Score
Credit Inquiries
WILSON CHRYSLER PLY

Business Name
Inquiry Date
Business Type
WILSON CHRYSLER PLY

11/30/2013
830-635-4923
238 SOUTH CONGRESS STREET
WINNSBORO, SC 29180
DODGELAND OF COLUMBI
Business Name
Inquiry Date
Business Type
DODGELAND OF COLUMBI
8/10/2013
Business Name
Inquiry Date
Business Type
ALL SOUTH FEDERAL CU

5/16/2013
Credit Unions
803-799-1900
190 GREYSTONE BLVD
COLUMBIA, SC 29210
ALL SOUTH FEDERAL CU
803-736-3110
6923 TRENHOLM RD
COLUMBIA, SC 29206
T-MOBILE
Business Name
Inquiry Date
Business Type
T-MOBILE
5/10/2013
Utilities and fuel
800-318-9270
12920 SE 38TH STRE
BELLEVUE, WA 98006
Report Summary
Bankruptcies
Credit Score
Credit Inquiries
SAFE FEDERAL CREDIT

Business Name
Inquiry Date
Business Type
SAFE FEDERAL CREDIT

4/9/2013
Credit Unions
803-469-8600
WESMARK BLVD EXT
SUMTER, SC 29150-0000
Report Summary
Bankruptcies
Credit Score
Credit Cards, Loans & Other Debt

Here you will find specific information on each account you opened, including current status and any past due information. Positive credit information remains on your
report indefinitely. Creditor contact information has been provided in order to make it easier for you to resolve any issues.
SYNCB/BELK
Potentially Negative
800-669-6550
PO BOX 965028
ORLANDO, FL 32896
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
SYNCB/BELK
604583152185XXXX
Charge Account
12/1/2008
Closed
Charge-off
$300.00
Revolving
Transferred to another lender or
claim purchased
SYNCB/BELK
60458315XXXX
Revolving or Option
$0.00
$0.00
12/1/2008
Closed
SYNCB/BELK
60458315XXXX
Revolving account
$0.00
$0.00
12/1/2008
Open
Bad debt & placed for collection &

skip
Payment after charge off / collection
$300.00
$174.00
$0.00
CONSUMER DISPUTES REINVESTIGATION IN PROGRESS
Purchased by another lender
2012
2013
2014
Month NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT
KD
KD KD KD KD KD KD KD KD OK
Experian KD
KD
KD KD KD KD KD KD KD KD OK OK OK OK
OK OK OK OK OK OK OK OK OK OK
Equifax KD
TransUnion
DBA PARAGON REVENUE GR

Potentially Negative Closed
800-868-1899
PO BOX 126
CONCORD, NC 28026
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
DBA PARAGON REVENUE GR

1590XXXX
Collection Department / Agency /
Attorney
$624.00
$624.00
12/1/2013
Closed
Seriously past due date / assigned to
attorney, collection agency, or credit
grantor's internal collection
department
1590XXXX
Collection Account
$624.00
12/1/2013
Closed
Unpaid
1 Month
Credit line closed-consumer requestreported by subscriber
CONSUMER DISPUTES REINVESTIGATION IN PROGRESS

MEDICAL
Unpaid
2012
2013
2014
Month NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT
KD ND ND KD ND ND ND ND KD
Experian
Equifax
TransUnion
Report Summary
Bankruptcies
Credit Inquires
Credit Cards & Loans Page 1 of 5
Credit Score

CAPITAL ONE AUTO FINAN

Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
Current
No Phone Provided
3901 DALLAS PKWY
PLANO, TX 75093
CAPITAL ONE AUTO FINAN

6206217617720XXXX
Auto Loan
$10,455.00
CAPITAL ONE AUTO FIN

6206217617720XXXX
Installment
$10,455.00
3/1/2011
Open
$435.00
Current
3/1/2011
Open
$435.00
Pays account as agreed
$17,208.00
73 Months
CAP ONE AUTO

6206217617720XXXX
Installment account
$10,455.00
$0.00
3/10/2011
Open
$435.00
Paid or paying as agreed
$17,208.00
73 Months
AUTO
2012
2013
Month OCT NOV DEC JAN FEB MAR APR MAY
OK OK
OK OK OK OK OK
Experian OK
OK OK
OK OK OK OK OK
Equifax OK
OK OK
OK OK OK OK OK
TransUnion OK
JUN
OK
OK
OK
JUL
OK
OK
OK
AUG
OK
OK
OK
SEP OCT NOV

OK OK OK
OK OK OK
OK OK OK
2014
DEC JAN FEB MAR APR
OK OK OK OK OK
OK OK OK OK OK
OK OK OK OK OK
MAY
OK
OK
OK
JUN
OK
OK
OK
JUL
OK
OK
OK
AUG
OK
OK
OK
SEP
OK
OK
OK
CHRYSLER CAPITAL
Current
800-423-7712
PO BOX 961275
FORT WORTH, TX 76161
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
CHRYSLER CAPITAL
3000016483941XXXX
Auto Loan
$22,309.00
CHRYSLER CAPITAL
3000016483941XXXX
Installment
$22,309.00
11/1/2013
Open
$443.00
Current
11/1/2013
Open
$443.00
$23,589.00
73 Months
73 Months
AUTO
2012
2013
Month NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV
Experian
OK
Equifax
TransUnion
Report Summary
CHRYSLERCAP
3000016483941XXXX
Installment account
$22,309.00
$0.00
11/30/2013
Open
$443.00
$23,589.00
Bankruptcies
DEC
OK
OK
OK
Credit Inquires
2014
JAN FEB MAR APR MAY
OK OK OK OK OK
OK OK OK OK OK
OK OK OK OK OK
JUN
OK
OK
OK
JUL AUG SEP OCT

OK OK OK OK
OK OK OK OK
ND OK OK OK
Credit Score

SC STUDENT LOAN CORP

Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
Current
803-772-9480
PO BOX 21487
COLUMBIA, SC 29221
SC STUDENT LOAN CORP

10131XXXX
Education Loan
$1,062.00
SOUTH CAROLINA STUDE

10131XXXX
Installment
$1,062.00
$0.00
9/1/2008
Open
9/1/2008
Open
$50.00
Current

$1,000.00
118 Months
118 Months
Student loan - payment deferred
2012
2013
Month NOV DEC JAN FEB MAR APR MAY
OK OK OK OK OK
Experian OK OK
OK OK OK OK OK
Equifax OK OK
OK OK OK OK OK
TransUnion OK OK
JUN
OK
OK
OK
SC STUDNTLN
10131XXXX
Installment account
$1,062.00
$0.00
9/15/2008
Open
$0.00
$1,000.00
STUDENT LOAN - PAYMENT

DEFERRED
JUL AUG SEP OCT NOV

OK OK OK OK OK
OK OK OK OK OK
OK OK OK OK OK
DEC
OK
OK
OK
2014
JAN FEB MAR APR MAY
OK OK OK OK OK
OK OK OK OK OK
OK OK OK OK OK
JUN
OK
OK
OK
JUL AUG SEP OCT

OK OK OK OK
OK OK OK OK
OK OK OK OK
US DEPT OF ED/GLELSI
Current
No Phone Provided
PO BOX 7860
MADISON, WI 53707
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
US DEPT OF ED/GLELSI
427279XXXX
Education Loan
$27,839.00
11/1/2011
Open
Current
Report Summary
USDOE/GLELSI
427279XXXX
Installment account
$27,839.00
$0.00
11/23/2011
Open

$27,839.00

$27,839.00
STUDENT LOAN - PAYMENT

DEFERRED
Payment deferred
Unknown
Student loan - payment deferred
2012
2013
Month OCT NOV DEC JAN FEB MAR APR MAY
OK OK
OK OK OK OK ND
Experian OK
OK OK
OK OK OK OK OK
Equifax OK
OK OK
OK OK OK OK ND
TransUnion OK
US DEPT. OF EDUCATIO
427279XXXX
Installment
$27,839.00
$0.00
11/1/2011
Open
JUN
ND
OK
ND
Bankruptcies
JUL
ND
OK
ND
AUG SEP OCT NOV

ND ND ND ND
OK OK OK OK
ND ND ND ND
Credit Inquires
2014
DEC JAN FEB MAR APR
ND
ND ND OK ND
OK OK OK OK OK
ND
ND ND OK ND
MAY
ND
OK
ND
JUN
ND
OK
ND
JUL AUG SEP

ND ND ND
OK OK OK
ND ND ND
Credit Score

AMER CR ACPT
Current Closed
866-544-3430
961 E MAIN ST
2ND FLOOR
SPARTANBURG, SC 29302
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
AMERICAN CREDIT ACCE

4720010109553XXXX
Installment
$0.00
2/1/2011
Closed
$410.00
$11,730.00
AMER CR ACPT
4720010109553XXXX
Installment account
$0.00
$0.00
2/26/2011
Closed
$410.00
Unrated or bankruptcy
$11,730.00
49 X
PAID ACCOUNT / ZERO BALANCE

AUTO
Closed
2010
2011
2012
Month MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR
Experian
OK OK OK OK OK OK OK OK OK OK OK
OK OK OK OK
Equifax
TransUnion
AMERICAN CREDIT ACCEPT

Current Closed
866-441-0251
961 E MAIN ST
SPARTANBURG, SC 29302
Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
AMERICAN CREDIT ACCEPT

4720010109553XXXX
Auto Loan
2/1/2011
Closed
Paid, zero balance
49 Months
2009
2010
2011
Month APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR
OK
Experian
Equifax
TransUnion
Report Summary
Bankruptcies
Credit Inquires
Credit Score

SANTANDER CONSUMER USA

Account Name
Account #
Account Type
Balance
Past Due
Date Opened
Account Status
Mo. Payment
Payment Status
High Balance
Limit
Terms
Comments
Current Closed
866-923-9282
PO BOX 961245
FT WORTH, TX 76161
2011 2012
Month DEC JAN FEB MAR APR
OK OK
Experian
OK OK
Equifax
OK OK
TransUnion
MAY
OK
OK
OK
SANTANDER CONSUMER USA

3000010909205XXXX
Auto Loan
SANTANDER CONSUMER U
3000010909205XXXX
Installment
$0.00
3/1/2012
Closed
3/1/2012
Closed
$296.00
$8,838.00
Paid satisfactorily
48 Months
48 Months
PAID ACCOUNT / ZERO BALANCE
AUTO
JUN
OK
OK
OK
JUL
OK
OK
OK
AUG
OK
OK
OK
SANTANDER
3000010909205XXXX
Installment account
$0.00
$0.00
3/1/2012
Closed
$296.00
$8,838.00
SEP OCT NOV

OK ND OK
OK OK OK
OK OK OK
DEC
OK
OK
OK
2013
JAN FEB MAR APR MAY
OK OK OK OK OK
OK OK OK OK OK
OK OK OK OK OK
Closed
JUN
OK
OK
OK
JUL
OK
OK
OK
AUG
OK
OK
OK
SEP OCT NOV

OK OK OK
OK OK OK
OK OK OK
Payment History Legend
OK Current
30
30 Days Late
KD Key Derogatory**
ND No Data*
60
60 Days Late
RF
90
90 Days Late
PP Payment Plan
Repossession or Foreclosure
120 120 Days Late
*Sometimes the credit bureaus do not have information from a particular month on file.
** For additional information on Key Derogatory, please see your Credit Report Guide.
Account Status Legend
Current
Current Closed
Potentially Negative
Potentially Negative Closed
Report Summary
Bankruptcies
Unknown
Credit Inquires
Credit Score
Credit Score
Your Credit Score is a numerical representation of your credit worthiness that is used by most lenders and credit card issuers. Remember, Experian, Equifax and
TransUnion has its own set of data in your credit file. That's why Credit Scores may vary between bureaus.
About your PLUS Score:

Your PLUS Score is formulated using the information in your credit file. Your PLUS Score can range between 330 and 830, with a higher score indicating a
lower risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. But
regardless of what scoring model is used, they all have one purpose: to summarize your creditworthiness. Keep in mind that your score is just one factor used
in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan.
What this means to you:

Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have
included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs
and losses for lenders. While lenders may use different scoring models to determine how you score, and each major credit bureau has its own method for
calculating credit scores, the scoring models have been fairly well standardized so that a score at one bureau is roughly equivalent to the same score at
another.
DISCLAMER
The PLUS ScoreSM, developed by Experian, is not an endorsement or guarantee of your credit worthiness as seen by lenders. The different risk levels presented here are for
educational use only. Your PLUS Score can help you understand what factors impact your credit score.
Please be aware that there are many scoring models used in the marketplace, and each lenders scoring model has its own set of factors. How each lender weighs their chosen
factors may vary, but the exact formula used to calculate your score is proprietary. In general, the higher your score, the better your chances are of obtaining favorable rates and
terms.
Your PLUS Score was calculated using your actual data from your credit file on the day that you requested your report, making it comparable to most scoring models in the industry.
Keep in mind however that other factors, such as length of employment and annual salary, are often taken into consideration by lenders when making decisions about you.
Also note that each bureau has its own set of data, resulting in a separate PLUS Score for each of your credit files.
Credit Score
609
596
709
Poor
Your Experian PLUS Score Explanation

Percentile: Your credit rating ranks higher than 24.36% of U.S. consumers.
What factors RAISE you PLUS Score:
What factors LOWER you PLUS Score:
You do not have any Public Records (i.e. bankruptcies, tax liens, and
court judgments) on your credit report. Lenders see these issues as
major barriers to extending additional credit.
Report Summary
Bankruptcies
Missing payments is the most damaging thing you can do to your

credit. The purpose of a credit score is to help lenders predict whether
or not you will miss payments in the future, so even a single missed
payment can significantly lower your score.
Without any open credit cards, it is difficult for lenders to predict

whether or not you know how to use credit responsibly (i.e. paying your
bills on time and keeping your balances low).
Lenders recognize that obtaining and maintaining a mortgage

requires more skill and discipline than other account types. People
who have mortgages and pay them on time see an increase in their
credit worthiness.
Credit Inquires
Credit Score Page 1 of 3
Credit Score
609
596
709
Poor
Your EquiFax PLUS Score Explanation

Report Summary
Bankruptcies
Missing payments is the most damaging thing you can do to your

credit. The purpose of a credit score is to help lenders predict whether
or not you will miss payments in the future, so even a single missed
payment can significantly lower your score.

Every time you apply for a loan, credit card, or retail card an inquiry is
recorded on your credit report. Having a lot of inquiries on your credit
report worries lenders, because it is a sign that you may use credit
and loans to supplement your income, and might be spending beyond
your means.

credit worthiness.
Credit Inquires
Credit Score
609
596
709
Good
Your TransUnion PLUS Score Explanation

You have done a great job at making all of your payments on time. The
purpose of a credit score is to help lenders predict whether or not you
will miss payments in the future, so keeping your record clean is a
very positive factor.
Report Summary
Bankruptcies

Installment loans usually carry large fixed monthly payments. Having

three or more installment loans tells lenders that you already have
committed to some large monthly payments and that you might not be
able to take on any additional debt.

credit worthiness.
Credit Inquires

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Credit Report Prepared For:

Personal & Confidential

Personal Information _____________________________________________________________________

Report Summary ________________________________________________________________________

Bankruptcy & Court Judgments ____________________________________________________________

Credit Inquires __________________________________________________________________________

Credit Cards, Loans & Other Debt ___________________________________________________________

Credit Score ___________________________________________________________________________

CreditReport.com | A Part of Experian

CARMELLA MONIQUE DICKERSON

8425 RIVERBIRCH DR APT 203,

1227 NE MILES RD, BLYTHEWOOD,

1227 NE MILES RD, BLYTHEWOOD,

842 RIVERBIRCH DR 203,

TARGET DISTRIBUTION CENTE

8425 RIVERBIRCH DR 203,

Your Experian Statement:

Your Equifax Statement:

Your Transunion Statement:

Personal Information Page 1 of 1

Credit Cards & Loans

Accounts Listed Negative

Report Summary Page 1 of 1

Credit Cards & Loans

Bankruptcy & Court Judgments

Credit Cards & Loans

Finance Companies - non specific

Mail Order Firms

SAFE FEDERAL CREDIT

SAFE FEDERAL CREDIT

Credit Inquires Page 1 of 5

Credit Cards & Loans

SAFE FEDERAL CREDIT

SAFE FEDERAL CREDIT

TIME WARNER CABLE-CH

TIME WARNER CABLE-CH

Credit Inquires Page 2 of 5

Credit Cards & Loans

GALEANA CHRYSLER JEE

GALEANA CHRYSLER JEE

JPMORGAN CHASE BANK

JPMORGAN CHASE BANK

JPMORGAN CHASE BANK

JPMORGAN CHASE BANK

WELLS FARGO DEALER S

WELLS FARGO DEALER S

Credit Inquires Page 3 of 5

Credit Cards & Loans

WILSON CHRYSLER PLY

WILSON CHRYSLER PLY

ALL SOUTH FEDERAL CU

ALL SOUTH FEDERAL CU

Credit Inquires Page 4 of 5

Credit Cards & Loans

SAFE FEDERAL CREDIT

SAFE FEDERAL CREDIT

Credit Inquires Page 5 of 5

Credit Cards & Loans

Credit Cards, Loans & Other Debt

Bad debt & placed for collection &

Payment after charge off / collection

CONSUMER DISPUTES REINVESTIGATION IN PROGRESS

Purchased by another lender