Angela Davis - I PDF

Report Created On: 10/29/2016
File Number: 350271701
-Begin Credit Report-
You have been on our files since 10/01/1992

Date of Birth: 02/10/1974
SSN: XXX-XX-0669
Your SSN has been masked for your protection.
Names Reported: ANGELA Y. DAVIS, ANGELA YVETTE DAVIS and ANGELA MASON
Addresses Reported:
Address
401 E 25TH ST APT P12, BALTIMORE, MD 21218-5374
4226 NADINE DR, BALTIMORE, MD 21215-2250
8257 SEVERN ORCHARD CIR, SEVERN, MD 21144-2547
4109 CALLAWAY AVE, BALTIMORE, MD 21215-6113
C26 MADINE DR, BALTIMORE, MD 21215
4226 MADINE DR, BALTIMORE, MD 21215
Date Reported
12/03/2011
06/01/2001
05/01/2001
11/19/2013
09/15/2013
10/26/2012
Telephone Numbers Reported:

(443) 529-3598
(410) 358-0609
(410) 900-9229
(410) 358-3910
(443) 759-8388
(410) 247-2661
(410) 963-4394
(410) 706-7751
(410) 961-9245
(410) 497-5865
Employment Data Reported:

Employer Name
Location
Position
Date Verified
MAPWORKS
BELTSVILLE, MD
COORDINATOR
03/01/2007
BEAZER HOMES
COLUMBIA, MD
PURCHASING
01/14/2006
PURCHASING COORDINAT
07/14/2005
SPARKS
CMG HEALTH
10/01/1997
This information was collected from public records sources by TransUnion or a company we hired. You may be required to explain these items to potential creditors. Public record
items generally remain on your credit file for up to 7 years.
BAL CITY DISTRICT COURT Docket# 10100316272011

501 E. FAYETTE ST
BALTIMORE, MD 21202
(410) 333-4664
Date Filed:
Date Paid:
Date Updated:
04/10/2012
06/20/2014
07/01/2014
Type:
Responsibility:
Plaintiff:
PAID CIVIL JUDGMENT

Contractually Liable Debt
ASHBURTON LIMITED PART
Amount:
Court Type:
$2,275
Circuit Court
Estimated month and year that this item will be removed: 03/2019
Typically, creditors report any changes made to your account information monthly. This means that some accounts listed below may not reflect the most recent activity until the
creditor's next reporting. This information may include things such as balances, payments, dates, remarks, ratings, etc. The key(s) below are provided to help you understand some of
the account information that could be reported.
Rating Key
Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings in the key below describe the payments that may be reported
by your creditors. Please note: Some but not all of these ratings may be present in your credit report.
Page 1 of 27
Remarks Key
Additionally, some creditors may notate your account with comments each month. We refer to these creditor comments as 'Remarks'. The key below gives the descriptions of the
abbreviated remarks contained in your credit file. Any remark containing brackets > < indicates that this remark is considered adverse.
PDE
PAYMENT DEFERRED
Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have
added >brackets< to those items in this report. For any account that contains medical information, the information following 'Medical-' is not displayed to anyone but you except where
permitted by law. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note: Accounts are reported as "Current; Paid or
paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid on or before the due date.
CAPITAL ONE AUTO FINANCE #6206218848169****

CB DISPUTES TEAMP O BOX 259407
PLANO, TX 75025
(800) 946-0332
Date Opened:
Responsibility:
Account Type:
Loan Type:
05/02/2014
Joint Account
Installment Account
AUTOMOBILE
Date Updated:
Payment Received:
Last Payment Made:
09/30/2016
$0
08/31/2016
Pay Status:
>Account 60 Days Past

Due Date<
Terms:
$264 per month, paid
Monthly for 48 months
>Maximum Delinquency of 60 days in 11/2015 for
$783 and in 09/2016 for $416<
High Balance: High balance of $8,453 from 05/2014 to 09/2016

09/2016
Balance
05/2016
04/2016
03/2016
02/2016
01/2016
12/2015
$5,565
$5,818
$5,708
$5,909
$5,797
$6,296
$6,642
$6,824
$264
$264
$264
$264
$264
$264
$264
$264
$264
$264
$0
$664
$350
$0
$300
$0
$600
$450
$300
$350
$416
$0
$287
$372
$107
$142
$0
$213
$398
$433
Past Due
60
OK
60
60
30
30
OK
30
60
60
11/2015
10/2015
09/2015
08/2015
07/2015
06/2015
05/2015
04/2015
03/2015
02/2015
$6,810
$6,810
$6,868
$6,868
$6,868
$6,868
$7,422
$7,535
$7,616
$7,616
$264
$264
$264
$264
$264
$264
$264
$264
$264
$264
$0
$272
$265
$1
$0
$697
$274
$349
$0
$0
$783
$519
$529
$529
$0
$0
$433
$443
$529
$0
Scheduled
Payment
Amount Paid
Past Due
Rating
06/2016
$4,992
Amount Paid
Balance
07/2016
$5,358
Scheduled
Payment
Rating
08/2016
60
30
30
30
OK
Page 2 of 27
OK
30
30
30
OK
01/2015
Balance
12/2014
11/2014
10/2014
09/2014
08/2014
07/2014
06/2014
05/2014
$7,616
$7,685
$7,801
$7,933
$8,071
$8,175
$8,295
$8,409
$8,453
Scheduled
Payment
$264
$264
$264
$264
$264
$264
$264
$264
$264
Amount Paid
$264
$264
$264
$264
$264
$264
$264
$264
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Past Due
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
FEDLOAN SERVICING #4612871200FD0****

POB 60610
HARRISBURG, PA 17106
(800) 699-2908
Date Opened:
Responsibility:
Account Type:
Loan Type:
08/24/2010
Individual Account
Installment Account
STUDENT LOAN
09/2016
Balance
Date Updated:
Payment Received:
08/2016
07/2016
06/2016
09/30/2016
$0
05/2016
Pay Status:
Current; Paid or Paying as

Agreed
Terms:
$27 per month, paid
$120 and in 10/2014 for $194<
04/2016
03/2016
02/2016
$2,544
$2,544
$2,544
$2,503
$2,503
$2,503
$2,503
$27
$27
$26
$26
$26
$26
$26
Amount Paid
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$0
$0
$0
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
Scheduled
Payment
High Balance
Rating
01/2016
12/2015
OK
OK
OK
OK
OK
OK
OK
11/2015
10/2015
09/2015
08/2015
07/2015
06/2015
05/2015
04/2015
03/2015
02/2015
Balance
$2,446
$2,400
$25
$25
Amount Paid
$0
$0
Past Due
$0
$0
$2,250
$2,250
Scheduled
Payment
High Balance
Rating
Page 3 of 27
OK
OK
01/2015
Balance
12/2014
11/2014
10/2014
09/2014
08/2014
07/2014
06/2014
05/2014
04/2014
$2,400
$2,400
$2,324
$2,324
$2,324
$2,324
$2,324
$2,324
$2,324
$25
$25
$24
$24
$24
$24
$24
$24
$24
Amount Paid
$0
$0
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$194
$169
$145
$120
$95
$71
$0
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
Scheduled
Payment
High Balance
Rating
Rating
OK
OK
120
120
120
120
90
60
OK
03/2014
02/2014
01/2014
12/2013
11/2013
10/2013
09/2013
08/2013
07/2013
06/2013
OK
OK
OK
OK
05/2013
04/2013
03/2013
02/2013
01/2013
12/2012
11/2012
10/2012
09/2012
08/2012
07/2012
06/2012
05/2012
04/2012
03/2012
02/2012
01/2012
12/2011
11/2011
10/2011
09/2011
08/2011
07/2011
06/2011
05/2011
04/2011
03/2011
02/2011
01/2011
12/2010
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK
11/2010
10/2010
09/2010
OK
OK
OK
Rating
Rating
Rating
Rating

POB 60610
(800) 699-2908
Date Opened:
Responsibility:
Account Type:
Loan Type:
08/24/2010
Individual Account
Installment Account
STUDENT LOAN
09/2016
Balance
Date Updated:
Payment Received:
08/2016
07/2016
06/2016
09/30/2016
$0
05/2016
Pay Status:

Agreed
Terms:
$52 per month, paid
$217 and in 10/2014 for $350<
04/2016
03/2016
02/2016
$4,364
$4,364
$4,364
$4,257
$4,257
$4,257
$4,257
$52
$52
$50
$50
$50
$50
$50
Amount Paid
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$0
$0
$0
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
Scheduled
Payment
High Balance
Rating
OK
OK
OK
OK
Page 4 of 27
OK
OK
OK
01/2016
12/2015
11/2015
10/2015
09/2015
08/2015
07/2015
06/2015
05/2015
04/2015
Balance
03/2015
02/2015
$4,031
$3,928
$46
$46
Amount Paid
$0
$0
Past Due
$0
$0
$3,000
$3,000
Scheduled
Payment
High Balance
OK
OK
01/2015
12/2014
11/2014
10/2014
09/2014
08/2014
07/2014
06/2014
05/2014
04/2014
Rating
Balance
$3,928
$3,928
$3,748
$3,748
$3,750
$3,750
$3,750
$3,750
$3,750
$46
$46
$44
$44
$44
$44
$44
$44
$44
Amount Paid
$0
$0
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$350
$305
$261
$217
$173
$129
$0
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
Scheduled
Payment
High Balance
Rating
Rating
OK
OK
120
120
120
120
90
60
OK
03/2014
02/2014
01/2014
12/2013
11/2013
10/2013
09/2013
08/2013
07/2013
06/2013
OK
OK
OK
OK
05/2013
04/2013
03/2013
02/2013
01/2013
12/2012
11/2012
10/2012
09/2012
08/2012
07/2012
06/2012
05/2012
04/2012
03/2012
02/2012
01/2012
12/2011
11/2011
10/2011
09/2011
08/2011
07/2011
06/2011
05/2011
04/2011
03/2011
02/2011
01/2011
12/2010
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK
11/2010
10/2010
09/2010
OK
OK
OK
Rating
Rating
Rating
Rating

POB 60610
(800) 699-2908
Date Opened:
Responsibility:
Account Type:
Loan Type:
09/09/2005
Individual Account
Installment Account
STUDENT LOAN
Date Updated:
Payment Received:
09/30/2016
$0
Page 5 of 27
Pay Status:
>Account 120 Days Past

Due Date<
Terms:
$566 and in 09/2016 for $1,966<
09/2016
Balance
05/2016
04/2016
03/2016
02/2016
01/2016
12/2015
$24,541
$24,541
$24,541
$24,541
$24,541
$24,541
$24,541
$24,541
$196
$196
$196
$196
$196
$196
$196
$196
$196
$196
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,966
$1,769
$1,572
$1,572
$1,376
$1,178
$982
$785
$0
$0
$18,048
$18,048
$18,048
$18,048
$18,048
$18,048
$18,048
$18,048
$18,048
$18,048
Past Due
Balance
06/2016
$24,541
Amount Paid
Rating
07/2016
$24,541
Scheduled
Payment
High Balance
08/2016
120
120
120
120
120
120
120
90
OK
OK
11/2015
10/2015
09/2015
08/2015
07/2015
06/2015
05/2015
04/2015
03/2015
02/2015
$24,541
$24,541
$23,732
$23,383
$196
$196
$186
$186
Amount Paid
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$18,048
$18,048
$18,048
$18,048
Scheduled
Payment
High Balance
Rating
Balance
OK
OK
OK
OK
01/2015
12/2014
11/2014
10/2014
09/2014
08/2014
07/2014
06/2014
05/2014
04/2014
$23,383
$14,677
$14,222
$14,222
$14,222
$14,222
$14,222
$14,222
$14,222
$186
$117
$114
$114
$114
$114
$114
$114
$114
Amount Paid
$0
$0
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$908
$794
$680
$566
$451
$337
$0
$18,048
$11,964
$11,964
$11,964
$11,964
$11,964
$11,964
$11,964
$11,964
Scheduled
Payment
High Balance
Rating
Rating
Rating
Rating
Rating
OK
OK
120
120
120
120
90
60
OK
03/2014
02/2014
01/2014
12/2013
11/2013
10/2013
09/2013
08/2013
07/2013
06/2013
OK
60
OK
OK
05/2013
04/2013
03/2013
02/2013
01/2013
12/2012
11/2012
10/2012
09/2012
08/2012
OK
OK
07/2012
06/2012
05/2012
04/2012
03/2012
02/2012
01/2012
12/2011
11/2011
10/2011
OK
09/2011
08/2011
07/2011
06/2011
05/2011
04/2011
03/2011
02/2011
OK
OK
OK
OK
OK
OK
OK
Page 6 of 27

POB 60610
(800) 699-2908
Date Opened:
Responsibility:
Account Type:
Loan Type:
05/08/2012
Individual Account
Installment Account
STUDENT LOAN
09/2016
Balance
Date Updated:
Payment Received:
08/2016
07/2016
09/30/2016
$0
06/2016
05/2016
Pay Status:

Agreed
Terms:
$43 per month, paid
$197 and in 10/2014 for $317<
04/2016
03/2016
02/2016
$4,272
$4,272
$4,272
$4,219
$4,219
$4,219
$4,219
$43
$43
$42
$42
$42
$42
$42
Amount Paid
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$0
$0
$0
$3,892
$3,892
$3,892
$3,892
$3,892
$3,892
$3,892
Scheduled
Payment
High Balance
Rating
01/2016
12/2015
OK
OK
OK
OK
OK
OK
OK
11/2015
10/2015
09/2015
08/2015
07/2015
06/2015
05/2015
04/2015
03/2015
02/2015
Balance
$4,133
$4,087
$41
$40
Amount Paid
$0
$0
Past Due
$0
$0
$3,892
$3,892
Scheduled
Payment
High Balance
Rating
Balance
OK
OK
01/2015
12/2014
11/2014
10/2014
09/2014
08/2014
07/2014
06/2014
05/2014
04/2014
$4,087
$4,087
$3,988
$3,988
$3,988
$3,988
$3,988
$3,988
$3,988
$40
$40
$40
$40
$40
$40
$40
$40
$40
Amount Paid
$0
$0
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$317
$277
$237
$197
$156
$116
$0
$3,892
$3,892
$3,892
$3,892
$3,892
$3,892
$3,892
$3,892
$3,892
Scheduled
Payment
High Balance
Rating
Rating
Rating
OK
OK
120
120
120
120
90
60
OK
03/2014
02/2014
01/2014
12/2013
11/2013
10/2013
09/2013
08/2013
07/2013
06/2013
OK
OK
OK
OK
OK
OK
OK
05/2013
04/2013
03/2013
02/2013
01/2013
12/2012
11/2012
10/2012
09/2012
OK
OK
OK
OK
OK
OK
OK
OK
OK
Page 7 of 27

POB 60610
(800) 699-2908
Date Opened:
Responsibility:
Account Type:
Loan Type:
08/22/2012
Individual Account
Installment Account
STUDENT LOAN
09/2016
Balance
Date Updated:
Payment Received:
08/2016
07/2016
09/30/2016
$0
06/2016
05/2016
Pay Status:

Agreed
Terms:
$25 per month, paid
$115 and in 10/2014 for $186<
04/2016
03/2016
02/2016
$2,511
$2,511
$2,511
$2,480
$2,480
$2,480
$2,480
$25
$25
$24
$24
$24
$24
$24
Amount Paid
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$0
$0
$0
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
Scheduled
Payment
High Balance
Rating
01/2016
12/2015
OK
OK
OK
OK
OK
OK
OK
11/2015
10/2015
09/2015
08/2015
07/2015
06/2015
05/2015
04/2015
03/2015
02/2015
Balance
$2,429
$2,402
$24
$23
Amount Paid
$0
$0
Past Due
$0
$0
$2,250
$2,250
Scheduled
Payment
High Balance
Rating
Balance
OK
OK
01/2015
12/2014
11/2014
10/2014
09/2014
08/2014
07/2014
06/2014
05/2014
04/2014
$2,402
$2,402
$2,344
$2,344
$2,344
$2,344
$2,344
$2,344
$2,344
$23
$23
$23
$23
$23
$23
$23
$23
$23
Amount Paid
$0
$0
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$186
$163
$139
$115
$92
$68
$0
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
$2,250
Scheduled
Payment
High Balance
Rating
Rating
Rating
OK
OK
120
120
120
120
90
60
OK
03/2014
02/2014
01/2014
12/2013
11/2013
10/2013
09/2013
08/2013
07/2013
06/2013
OK
OK
OK
OK
OK
OK
OK
05/2013
04/2013
03/2013
02/2013
01/2013
12/2012
11/2012
10/2012
09/2012
OK
OK
OK
OK
OK
OK
OK
OK
OK
Page 8 of 27

POB 60610
(800) 699-2908
Date Opened:
Responsibility:
Account Type:
Loan Type:
08/22/2012
Individual Account
Installment Account
STUDENT LOAN
09/2016
Balance
Date Updated:
Payment Received:
08/2016
07/2016
09/30/2016
$0
06/2016
05/2016
Pay Status:

Agreed
Terms:
$46 per month, paid
$192 and in 10/2014 for $310<
04/2016
03/2016
02/2016
$3,867
$3,867
$3,867
$3,772
$3,772
$3,772
$3,772
$46
$46
$44
$44
$44
$44
$44
Amount Paid
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$0
$0
$0
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
Scheduled
Payment
High Balance
Rating
01/2016
12/2015
OK
OK
OK
OK
OK
OK
OK
11/2015
10/2015
09/2015
08/2015
07/2015
06/2015
05/2015
04/2015
03/2015
02/2015
Balance
$3,559
$3,480
$41
$41
Amount Paid
$0
$0
Past Due
$0
$0
$3,000
$3,000
Scheduled
Payment
High Balance
Rating
Balance
OK
OK
01/2015
12/2014
11/2014
10/2014
09/2014
08/2014
07/2014
06/2014
05/2014
04/2014
$3,480
$3,480
$3,320
$3,320
$3,322
$3,322
$3,322
$3,322
$3,322
$41
$41
$39
$39
$39
$39
$39
$39
$39
Amount Paid
$0
$0
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$310
$271
$231
$192
$153
$114
$0
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
$3,000
Scheduled
Payment
High Balance
Rating
Rating
Rating
OK
OK
120
120
120
120
90
60
OK
03/2014
02/2014
01/2014
12/2013
11/2013
10/2013
09/2013
08/2013
07/2013
06/2013
OK
OK
OK
OK
OK
OK
OK
05/2013
04/2013
03/2013
02/2013
01/2013
12/2012
11/2012
10/2012
09/2012
OK
OK
OK
OK
OK
OK
OK
OK
OK
Page 9 of 27
WEBBANK/FRESHSTART #636992031178****
6250 RIDGEWOOD ROA
SAINT CLOUD, MN 56303
(866) 734-0342
Date Opened:
Responsibility:
Account Type:
Loan Type:
05/25/2015
Individual Account
Installment Account
INSTALLMENT
SALES CONTRACT
Date Updated:
Payment Received:
Last Payment Made:
Original ChargeOff:
01/21/2016
$0
12/14/2015
$180
Pay Status:
Terms:
>Charged Off<
$0 per month, paid Monthly
for 8 months
Date Closed:
01/21/2016
>Maximum Delinquency of 120 days in 12/2015<
High Balance: High balance of $198 from 06/2015 to 07/2015; $198 from 11/2015 to 11/2015; $198 from 01/2016 to 01/2016
Remarks: PURCHASED BY ANOTHER LENDER; >UNPAID BALANCE CHARGED OFF<
01/2016
12/2015
11/2015
10/2015
09/2015
08/2015
07/2015
06/2015
Balance
$0
$226
$193
$202
Scheduled
Payment
$0
$27
$27
$27
Amount Paid
$0
$0
$27
$0
Past Due
$0
$111
$0
$0
Rating
C/O
120
90
90
60
30
OK
OK
ACCESS RECEIVABLES MANAG #16730**

PO BOX 1377
COCKEYSVILLE, MD 21030
(443) 578-4444
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
10/26/2012
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Last Payment Made:
Original Amount:
Original Creditor:
Past Due:
$7,433
10/13/2016
04/28/2011
$7,433
NOTRE DAME OF
MARYLAND UNIV
(Educational)
>$7,433<
Pay Status:
>In Collection<
$108
09/05/2016
09/24/2012
$107
MEDICAL-MEDICAL
PAYMENT DATA
(Medical/Health
Care)
>$108<
Pay Status:
>In Collection<
Remarks: >PLACED FOR COLLECTION<

BERKS CREDIT & COLL #BCCC970301001085****

900 CORPORATE DR
READING, PA 19605
(888) 932-6553
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
01/14/2013
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Last Payment Made:
Original Amount:
Original Creditor:
Past Due:

Page 10 of 27
900 CORPORATE DR
READING, PA 19605
(888) 932-6553
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
06/22/2010
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
$180
09/05/2016
$179
MEDICAL-MEDICAL
PAYMENT DATA
(Medical/Health
Care)
>$180<
Pay Status:
>In Collection<
$425
09/05/2016
07/31/2014
$424
MEDICAL-MEDICAL
PAYMENT DATA
(Medical/Health
Care)
>$425<
Pay Status:
>In Collection<
$1,100
10/16/2016
$1,100
AT T (Cable/Cellular)
>$1,100<
Pay Status:
>In Collection<
$65
10/03/2016
$65
MEDICAL-MERCY
MEDICAL CENTER
(Medical/Health
Care)
>$65<
Pay Status:
>In Collection<


900 CORPORATE DR
READING, PA 19605
(888) 932-6553
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
06/12/2015
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Last Payment Made:
Original Amount:
Original Creditor:
Past Due:
ENHANCED RECOVERY COMPAN #13748****

P O Box 57547
JACKSONVILLE, FL 32241
(904) 680-2591
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
10/23/2015
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:

EQUIDATA #211156000476****
PO BOX 6610
NEWPORT NEWS, VA 23606-0610
(757) 873-0519
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
09/24/2015
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
Page 11 of 27
EQUIDATA #214126000381****
PO BOX 6610
NEWPORT NEWS, VA 23606-0610
(757) 873-0519
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
08/21/2012
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
$195
10/03/2016
$195
MEDICAL-MERCY
PHYSICIAN
BILLING S016
(Medical/Health
Care)
>$195<
Pay Status:
>In Collection<
$180
10/04/2016
$180
WEBBANK
FINGERHUT
FRESHSTART
(Financial)
>$180<
Pay Status:
>In Collection<
$52
10/09/2016
$52
MEDICAL-UMH
PROFESSIONAL
SERVICES
(Medical/Health
Care)
>$52<
Pay Status:
>In Collection<
$84
10/09/2016
$84
MEDICAL-UMH
PROFESSIONAL
SERVICES
Pay Status:
>In Collection<

LVNV FUNDING LLC #636992031178****

C/O RESURGENT CAPITAL SERVICESPO BOX 10497 MS 576
GREENVILLE, SC 29603
(866) 464-1183
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
04/28/2016
Individual Account
Open Account
DEBT BUYER
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
NTL RECOVERY AGENCY #2967****

2491 PAXTON ST
(717) 540-5605
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
10/09/2012
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:

2491 PAXTON ST
(717) 540-5605
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
04/26/2013
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Page 12 of 27
Past Due:
(Medical/Health
Care)
>$84<


2491 PAXTON ST
(717) 540-5605
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
06/27/2014
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
$59
10/09/2016
$59
MEDICAL-UMH
PROFESSIONAL
SERVICES
(Medical/Health
Care)
>$59<
Pay Status:
>In Collection<
$169
10/06/2016
$169
MEDICAL-H
JEFFREY
SCHWARTZ MD
(Medical/Health
Care)
>$169<
Pay Status:
>In Collection<
$50
10/06/2016
$50
MEDICAL-AMERICAN
RADIOLOGY
(Medical/Health
Care)
>$50<
Pay Status:
>In Collection<

R&R PROFESSIONAL RECOVER #D19154****

PO BOX 21575
PIKESVILLE, MD 21282
(410) 653-6180
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
02/28/2011
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
R&R PROFESSIONAL RECOVER #D21053****

PO BOX 21575
PIKESVILLE, MD 21282
(410) 653-6180
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
11/01/2011
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
RECEIVABLES OUTSOURCING, LLC #502592****

1920 GREENSPRING DRSUITE 200
TIMONIUM, MD 21093-1603
(800) 234-1357
Page 13 of 27
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
12/16/2011
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
$110
09/28/2016
$110
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$110<
Pay Status:
>In Collection<
$311
09/28/2016
$311
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$311<
Pay Status:
>In Collection<
$288
09/28/2016
$288
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$288<
Pay Status:
>In Collection<
$386
09/28/2016
$386
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$386<
Pay Status:
>In Collection<


(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
02/12/2012
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:

(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
03/23/2012
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:

(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
04/07/2012
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
Page 14 of 27

(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
07/27/2012
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
$123
09/28/2016
$123
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$123<
Pay Status:
>In Collection<
$1,156
09/28/2016
$1,156
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$1,156<
Pay Status:
>In Collection<
$479
09/28/2016
$479
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$479<
Pay Status:
>In Collection<
$684
09/28/2016
$684
MEDICAL-UNION
Pay Status:
>In Collection<


(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
10/17/2012
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:

(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
10/24/2012
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:

(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
11/16/2012
Individual Account
Open Account
Balance:
Date Updated:
Original Amount:
Original Creditor:
Page 15 of 27
Loan Type:
MEDICAL DEBT
Past Due:
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$684<


(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
12/19/2012
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
$308
09/28/2016
$308
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$308<
Pay Status:
>In Collection<
$547
09/28/2016
$547
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$547<
Pay Status:
>In Collection<
$152
09/28/2016
$152
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$152<
Pay Status:
>In Collection<


(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
12/05/2012
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:

(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
06/04/2013
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
Page 16 of 27

(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
07/13/2013
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
$763
09/28/2016
$763
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$763<
Pay Status:
>In Collection<
$380
09/28/2016
$380
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$380<
Pay Status:
>In Collection<
$65
09/28/2016
$65
MEDICAL-UNION
MEMORIAL
HOSPITAL
(Medical/Health
Care)
>$65<
Pay Status:
>In Collection<
$595
10/17/2016
03/19/2013
$595
COMCAST
(Cable/Cellular)
>$595<
Pay Status:
>In Collection<


(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
09/30/2013
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:

(800) 234-1357
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
11/20/2014
Individual Account
Open Account
MEDICAL DEBT
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
SW CREDIT SYSTEMS L.P. #5689****

4120 INTERNATIONAL PKWYSTE 1100
CARROLLTON, TX 75007
(844) 845-6546
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
09/03/2015
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Last Payment Made:
Original Amount:
Original Creditor:
Past Due:
Page 17 of 27

TRANSWORLD SYSTEMS #2121**

PO BOX 17205
WILMINGTON, DE 19850
(877) 282-1250
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
07/26/2013
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
$339
10/17/2016
$339
BALTIMORE GAS
AND ELECTRIC
(Utilities)
>$339<
Pay Status:
>In Collection<
$105
10/17/2016
$105
MEDICAL-SINAI
GENERAL MED
ASSOCIATES
(Medical/Health
Care)
>$105<
Pay Status:
>In Collection<
$85
10/17/2016
$85
MEDICAL-SINAI
GENERAL MED
ASSOCIATES
(Medical/Health
Care)
>$85<
Pay Status:
>In Collection<
$62
10/17/2016
$62
MEDICAL-SINAI
Pay Status:
>In Collection<


2235 MERCURY WAYSUITE 275
SANTA ROSA, CA 95407
(877) 282-1250
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
07/14/2011
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:

(877) 282-1250
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
07/14/2011
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:

(877) 282-1250
Placed for
collection:
Responsibility:
Account Type:
04/26/2011
Individual Account
Open Account
Balance:
Date Updated:
Original Amount:
Original Creditor:
Page 18 of 27
Loan Type:
COLLECTION
AGENCY/ATTORNEY
Past Due:
GENERAL MED
ASSOCIATES
(Medical/Health
Care)
>$62<

TRANSWORLD SYSTEMS #6551****

POB 15609
WILMINGTON, DE 19850
(877) 282-1250
Placed for
collection:
Responsibility:
Account Type:
Loan Type:
03/21/2013
Individual Account
Open Account
COLLECTION
AGENCY/ATTORNEY
Balance:
Date Updated:
Original Amount:
Original Creditor:
Past Due:
$70
10/17/2016
$70
MEDICAL-EMC
EMERGENCY
PHYSICIANS
(Medical/Health
Care)
>$70<
Pay Status:
>In Collection<

The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note:
Accounts are reported as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid
on or before the due date.
CAPITAL ONE AUTO FINANCE #6206212911250****

CB DISPUTES TEAM
P O BOX 259407
PLANO, TX 75025
(800) 946-0332
Date Opened:
Responsibility:
Account Type:
Loan Type:
04/08/2010
Joint Account
Installment Account
AUTOMOBILE
Balance:
Date Updated:
Payment Received:
Last Payment Made:
High Balance:
$0
05/17/2010
$9,626
05/17/2010
$9,437
Pay Status:
Balance:
Date Updated:
Last Payment Made:
High Balance:
$0
12/31/2010
11/07/2005
$18,049
Pay Status:
Terms:
Terms:
Date Closed:

Agreed
05/17/2010
Remarks: CLOSED
04/2010
Rating
OK
DIRECT LOAN SVC SYSTEM #213860****

PO BOX 5609
GREENVILLE, TX 75403-5609
(800) 848-0979
Date Opened:
Responsibility:
Account Type:
Loan Type:
09/09/2005
Individual Account
Installment Account
STUDENT LOAN
Page 19 of 27
Date Closed:
Unrated
12/31/2010
11/2010
10/2010
09/2010
08/2010
07/2010
06/2010
05/2010
04/2010
03/2010
02/2010
01/2010
12/2009
11/2009
10/2009
09/2009
08/2009
07/2009
06/2009
05/2009
04/2009
03/2009
02/2009
01/2009
12/2008
11/2008
10/2008
09/2008
08/2008
07/2008
06/2008
OK
OK
OK
05/2008
04/2008
03/2008
02/2008
01/2008
12/2007
11/2007
10/2007
09/2007
08/2007
OK
OK
N/R
07/2007
06/2007
05/2007
04/2007
03/2007
02/2007
01/2007
12/2006
11/2006
10/2006
OK
OK
09/2006
08/2006
07/2006
06/2006
05/2006
04/2006
03/2006
02/2006
01/2006
12/2005
OK
OK
11/2005
10/2005
09/2005
OK
Rating
Rating
Rating
Rating
Rating
Rating
Rating

POB 60610
(800) 699-2908
Date Opened:
Responsibility:
Account Type:
Loan Type:
06/09/2015
Individual Account
Installment Account
STUDENT LOAN
Date Updated:
Payment Received:
Pay Status:
09/30/2016
$0

Agreed
$36 per month, paid
Terms:
High Balance: High balance of $3,500 from 07/2015 to 05/2016; $3,500 from 07/2016 to 09/2016
09/2016
Balance
08/2016
07/2016
06/2016
05/2016
04/2016
03/2016
02/2016
01/2016
12/2015
$3,560
$3,560
$3,560
$3,500
$3,500
$3,500
$3,500
$3,500
$3,500
$36
$36
$36
$36
$36
$36
$36
$0
$0
Amount Paid
$0
$0
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$0
$0
$0
$0
$0
Scheduled
Payment
Remarks
Rating
OK
OK
OK
OK
Page 20 of 27
OK
OK
OK
PDE
PDE
OK
OK
11/2015
Balance
10/2015
09/2015
08/2015
07/2015
$3,500
$3,500
$3,500
$3,500
$3,500
Scheduled
Payment
$0
$0
$0
$0
$0
Amount Paid
$0
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$0
Remarks
PDE
PDE
PDE
PDE
PDE
Rating
OK
OK
OK
OK
OK

POB 60610
(800) 699-2908
Date Opened:
Responsibility:
Account Type:
Loan Type:
06/09/2015
Individual Account
Installment Account
STUDENT LOAN
Date Updated:
Payment Received:
Pay Status:
09/30/2016
$0

Agreed
$59 per month, paid
Terms:
High Balance: High balance of $5,538 from 07/2015 to 05/2016; $5,538 from 07/2016 to 09/2016
09/2016
Balance
08/2016
07/2016
06/2016
05/2016
04/2016
03/2016
02/2016
01/2016
12/2015
$5,815
$5,815
$5,815
$5,716
$5,716
$5,716
$5,716
$5,538
$5,538
$59
$59
$59
$59
$59
$59
$59
$0
$0
Amount Paid
$0
$0
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$0
$0
$0
$0
$0
Scheduled
Payment
Remarks
Rating
Balance
OK
OK
OK
OK
11/2015
10/2015
09/2015
08/2015
07/2015
OK
$5,538
$5,538
$5,538
$5,538
$5,538
Scheduled
Payment
$0
$0
$0
$0
$0
Amount Paid
$0
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$0
Remarks
PDE
PDE
PDE
PDE
PDE
Rating
OK
OK
OK
OK
OK
OK
OK
PDE
PDE
OK
OK
Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit
information on the dates specified. These inquiries will remain on your credit file for up to 2 years.
SUNTRUSTFMER
WELLSFARGO FNCL NAT BK
ONE CABOT RD
THIRD FLOOR
MEDFORD, MA 02155
PO BOX 14517
DES MOINES, IA 50306
(800) 642-4720
Page 21 of 27
(866) 805-3339
Requested On:
Inquiry Type:
12/13/2015
Individual
Requested On:
Inquiry Type:
T-MOBILE
CFNA
12920 SE 38TH ST
BELLEVUE, WA 98006
(800) 318-9270
PO BOX 81315
CLEVELAND, OH 44181
(216) 362-3479
Requested On:
Inquiry Type:
06/12/2015
Individual
Requested On:
Inquiry Type:
06/19/2015
Individual
06/08/2015
Individual
CAPITAL ONE BANK USA NA

PO BOX 30281
SALT LAKE CITY, UT 84130
(800) 955-7070
Requested On:
Inquiry Type:
11/29/2014
Individual
The companies listed below received your name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full
credit report. These inquiries are not seen by anyone but you and do not affect your score.
BAY COUNTRY CONSUMER FIN
FARMERS INSURANCE
6619 RICHIE HWY.

STE. 13
GLEN BURNIE, MD 21061
(410) 833-8200
4680 WILSHIRE BLVD

LOS ANGELES, CA 90010-3807
(888) 327-6335
Requested On: 12/26/2015
GEICO
NATIONAL AUTO INSPECTION
1 GEICO PLZ
WASHINGTON, DC 20076-0003
(773) 582-2886
118 SHAWAN RD
SUITE 210
COCKEYSVILLE, MD 21030
(410) 527-9280

The listing of a company's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you.
These inquiries are not seen by anyone but you and will not be used in scoring your credit file (except insurance companies may have access to other insurance company inquiries,
certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries,
where permitted by law).
FIRSTSOURCE ADVANTAGE LLC
VAN RU CREDIT CORP
205 BRYANT WOODS S

AMHERST, NY 14228
(716) 564-4400
1350 E TOUHY AVENUE

SUITE 300 E
DES PLAINES, IL 60018
(800) 468-2678
Requested On: 09/14/2016, 02/04/2016

Requested On: 06/29/2016, 04/06/2016
Page 22 of 27
GLOBAL CRCOLLS CHI
DYNAMIC RECOVERY SOLUTION
5440 N CUMBERLAND AVE

SUITE 300
CHICAGO, IL 60656
(905) 413-8641
PO BOX 25759
GREENVILLE, SC 29616
(877) 966-7544
FIRSTSOURCE ADVANTAGE LLC
GEICO
205 BRYANT WOODS SOUTH

AMHERST, NY 14226
(716) 564-4400
1 GEICO BLVD
WASHINGTON, DC 20076
(800) 861-8380

Permissible Purpose: INSURANCE UNDERWRITING
TRANSWORLD SYSTEMS
VAN RU CREDIT CORPORATION
507 PRUDENTIAL RD
HORSHAM, PA 19044
(877) 282-1250
1350 E TOUHY
SUITE 300E
DES PLAINES, IL 60018
(800) 468-2678

ENHANCED RECOVERY
TRANSWORLD SYSTEMS INC
8014 BAYBERRY ROAD

(904) 645-0049
507 PRUDENTIAL RD
HORSHAM, PA 19044
(888) 446-4733
SW CREDIT SYSTEMS LP
FIRST NTL COLL BUREAU
4120 INTERNATIONAL PKWY

SUITE 1100
CARROLLTON, TX 75007
(844) 845-6546
610 WALTHAM WAY

MCCARRAN, NV 89434
(775) 322-0444
CENTRAL CRED via CENTRAL CREDIT SRVINT
TRANSWORLD SYSTEMS
7825 WASHINGTON
SUITE 310
MINNEAPOLIS, MN 55439
(800) 732-6877
507 PRUDENTIAL ROAD

HORSHAM, PA 19044
(888) 446-4733

Permissible Purpose: COLLECTION
FACTACT FREE DISCLOSURE
STELLAR RECOVERY INC
P O BOX 1000
CHESTER, PA 19016
(800) 888-4213
4500 SALISBURY ROAD

SUITE 105
(800) 954-0226

TU INTERACTIVE
TRANSWORLD SYSTEMS
100 CROSS ST
#202
SAN LUIS OBISP, CA 93401
(888) 567-8688
507 PRUDENTIAL RD
HORSHAM, PA 19044
(888) 446-4733
Page 23 of 27
NATIONWIDE CREDIT CORP

5503 CHEROKEE AVE
2ND FLOOR
ALEXANDRIA, VA 22312
(703) 642-7500
-End of Credit Report-
Should you wish to contact TransUnion, you may do so,

Online:
To report an inaccuracy, please visit: dispute.transunion.com
For answers to general questions, please visit: www.transunion.com
By Mail:
TransUnion Consumer Relations
P.O. Box 2000
Chester, PA 19016-2000
By Phone:
(800) 916-8800
You may contact us between the hours of 8:00 a.m. and 11:00 p.m. Eastern Time, Monday
through Friday, except major holidays.
For all correspondence, please have your TransUnion file number available
(located at the top of this report).
Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W.,
Washington, DC 20552.
A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting
agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell
information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the
FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to:
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of
consumer report to deny your application for credit, insurance, or employment -- or to take another adverse action against you -- must
tell you, and must give you the name, address, and phone number of the agency that provided the information.
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer
reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security
Number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
a person has taken adverse action against you because of information in your credit report;
you are the victim of identity theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.
Page 24 of 27
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and
from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information
from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in
residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information
for free from the mortgage lender.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate,
incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency
may continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may
not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Access to your file is limited.A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid
need for access.
You must give your consent for reports to be provided to employers.A consumer reporting agency may not give out information
about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is
not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore
You may limit "prescreened" offers of credit and insurance you get based on information in your credit report.Unsolicited
"prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name
and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-567-8688
(888-5OPTOUT).
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher
of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights. For more information, visit
www.consumerfinance.gov/learnmore
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights
under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For
information about your federal rights, contact:
TYPE OF BUSINESS:
CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of over $10
Bureau of Consumer Financial Protection
billion and their affiliates
1700 G Street, NW
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit unions also
Federal Trade Commission
should list, in addition to the CFPB:
Consumer Response Center - FCRA
1-877-382-4357
2. To the extent not included in item 1 above:
Office of the Comptroller of the Currency

Customer Assistance Group
a. National banks, federal savings associations, and federal branches and federal
1301 McKinney Street, Suite 3450
agencies of foreign banks
Houston, TX 77010-9050
b. State member banks, branches and agencies of foreign banks (other than federal Federal Reserve Consumer Help
branches, federal agencies, and insured state branches of foreign banks),
PO Box 1200
commercial lending companies owned or controlled by foreign banks, and
Minneapolis, MN 55480
organizations operating under section 25 or 25A of the Federal Reserve Act
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and
FDIC Consumer Response Center
Insured state savings associations
1100 Walnut Street, Box #11
Kansas City, MO 64106
d. Federal credit unions
National Credit Union Administration
Office of Consumer Protection (OCP)
Division of Consumer Compliance and Outreach
(DCCO)
1775 Duke Street
Alexandria, VA 22314
Page 25 of 27
3. Air carriers
4. Creditors Subject to Surface Transportation Board
5. Creditors subject to Packers and Stockyards Act, 1921

6. Small Business Investment Companies
7. Brokers and Dealers

8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate
Credit Banks, and Production Credit Associations
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above
Asst. General Counsel for Aviation Enforcement &

Proceedings
Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, S.E.
1-202-366-1306
Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Nearest Packers and Stockyards Administration area
supervisor
Associate Deputy Administrator for Capital Access
United States Small Business Administration
409 Third Street, SW, 8th Floor
Securities and Exchange Commission
100 F Street, N.E.
Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
FTC Regional Office for region in which the creditor
operates or
Federal Trade Commission: Consumer Response
Center-FCRA
1-877-382-4357
Information Regarding State Laws

Maryland Residents
MARYLAND BILL OF RIGHTS
NOTICE OF RIGHTS
You have a right, under 14-1212.1 of the Commercial Law Article of the Annotated Code of Maryland, to place a security freeze on your credit
report. The security freeze will prohibit a consumer reporting agency from releasing your credit report or any information derived from your
credit report without your express authorization. The purpose of a security freeze is to prevent credit, loans, and services from being approved
in your name without your consent.
You may elect to have a consumer reporting agency place a security freeze on your credit report by written request sent by certified mail or by
electronic mail or the internet if the consumer reporting agency provides a secure electronic connection. The consumer reporting agency must
place a security freeze on your credit report within 3 business days after your request is received. Within 5 business days after a security freeze
is placed on your credit report, you will be provided with a unique personal identification number or password to use if you want to remove the
security freeze or temporarily lift the security freeze to release your credit report to a specific person or for a specific period of time. You also
will receive information on the procedures for removing or temporarily lifting a security freeze.
If you want to temporarily lift the security freeze on your credit report, you must contact the consumer reporting agency and provide all of the
following:
1. The unique personal identification number or password provided by the consumer reporting agency;
2. The proper identifying information to verify your identity; and
3. The proper information regarding the person who is to receive the credit report or the period of time for which the credit report is to be
available to users of the credit report.
A consumer reporting agency must comply with a request to temporarily lift a security freeze on a credit report within 3 business days after the
request is received or within 15 minutes for certain requests. A consumer reporting agency must comply with a request to remove a security
freeze on a credit report within 3 business days after the request is received.
If you are actively seeking credit, you should be aware that the procedures involved in lifting a security freeze may slow your own applications
for credit. You should plan ahead and lift a security freeze, either completely if you are seeking credit from a number of sources, or just for a
specific creditor if you are applying only to that creditor, a few days before actually applying for new credit.
Page 26 of 27
A consumer reporting agency may charge a reasonable fee not exceeding $5 for each placement, temporary lift, or removal of a security
freeze. However, a consumer reporting agency may not charge any fee to a consumer who, at the time of a request to place, temporarily lift, or
remove a security freeze, presents to the consumer reporting agency a police report of alleged identity fraud against the consumer or an
identity theft passport.
A security freeze does not apply if you have an existing account relationship and a copy of your credit report is requested by your existing
creditor or its agents or affiliates for certain types of account review, collection, fraud control, or similar activities.
Page 27 of 27

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Report Created On: 10/29/2016

File Number: 350271701

-Begin Credit Report-

You have been on our files since 10/01/1992

Telephone Numbers Reported:

Employment Data Reported:

BAL CITY DISTRICT COURT Docket# 10100316272011

PAID CIVIL JUDGMENT

CAPITAL ONE AUTO FINANCE #6206218848169****

>Account 60 Days Past

High Balance: High balance of $8,453 from 05/2014 to 09/2016

FEDLOAN SERVICING #4612871200FD0****

Current; Paid or Paying as

FEDLOAN SERVICING #4612871200FD0****

Current; Paid or Paying as

FEDLOAN SERVICING #4612871200FD0****

>Account 120 Days Past

FEDLOAN SERVICING #4612871200FD0****

Current; Paid or Paying as

FEDLOAN SERVICING #4612871200FD0****

Current; Paid or Paying as

FEDLOAN SERVICING #4612871200FD0****

Current; Paid or Paying as

ACCESS RECEIVABLES MANAG #16730**

Remarks: >PLACED FOR COLLECTION<

BERKS CREDIT & COLL #BCCC970301001085****

BERKS CREDIT & COLL #BCCC970301882****

Remarks: >PLACED FOR COLLECTION<

BERKS CREDIT & COLL #BCCC980613001403****

ENHANCED RECOVERY COMPAN #13748****

Remarks: >PLACED FOR COLLECTION<

Remarks: >PLACED FOR COLLECTION<

LVNV FUNDING LLC #636992031178****

NTL RECOVERY AGENCY #2967****

NTL RECOVERY AGENCY #3124****

Remarks: >PLACED FOR COLLECTION<

NTL RECOVERY AGENCY #3447****

Remarks: >PLACED FOR COLLECTION<

R&R PROFESSIONAL RECOVER #D19154****

R&R PROFESSIONAL RECOVER #D21053****

RECEIVABLES OUTSOURCING, LLC #502592****

Remarks: >PLACED FOR COLLECTION<

RECEIVABLES OUTSOURCING, LLC #502623****

RECEIVABLES OUTSOURCING, LLC #502646****

RECEIVABLES OUTSOURCING, LLC #502656****

RECEIVABLES OUTSOURCING, LLC #502721****

Remarks: >PLACED FOR COLLECTION<

RECEIVABLES OUTSOURCING, LLC #502763****

RECEIVABLES OUTSOURCING, LLC #502766****

RECEIVABLES OUTSOURCING, LLC #502772****

Remarks: >PLACED FOR COLLECTION<

RECEIVABLES OUTSOURCING, LLC #502789****

Remarks: >PLACED FOR COLLECTION<

RECEIVABLES OUTSOURCING, LLC #502792****

RECEIVABLES OUTSOURCING, LLC #502887****

RECEIVABLES OUTSOURCING, LLC #502906****

1920 GREENSPRING DRSUITE 200

Remarks: >PLACED FOR COLLECTION<

RECEIVABLES OUTSOURCING, LLC #502945****

RECEIVABLES OUTSOURCING, LLC #503150****

SW CREDIT SYSTEMS L.P. #5689****

Remarks: >PLACED FOR COLLECTION<

TRANSWORLD SYSTEMS #2121**