Page 1 of 22

Equifax Credit Report ™ for Donna R. Rainville

As of: 02/24/2012
Report Does Not Update
Available until: 02/23/2013
Confirmation #: 2555832772

Section Title Section Description

1. Credit Summary Summary of account activity

2. Account Information Detailed account information

3. Inquiries Companies that have requested or viewed your credit information

4. Negative Information Bankruptcies, liens, garnishments and other judgments

5. Personal Information Personal data, addresses, employment history

6. Dispute File Information How to dispute information found on this credit report

Credit Summary
Your Equifax Credit Summary highlights the information in your credit file that is most important in determining your
credit standing by distilling key credit information into one easy-to-read summary.

Accounts
Lenders usually take a positive view of individuals with a range of credit accounts - car loan, credit cards, mortgage,
etc. - that have a record of timely payments. However, a high debt to credit ratio on certain types of revolving (credit
card) accounts and installment loans will typically have a negative impact.

Debt to Monthly Accounts

Open Total Credit Credit Payment with a
Accounts Number Balance Available Limit Ratio Amount Balance
Mortgage 2 $139,600 $28,600 $168,200 83% $1,360 2
Installment 2 $42,557 $7,802 $50,359 85% $305 2
Revolving 8 $53,028 $9,993 $62,570 84% $1,457 8
Other 0 $0 N/A N/A N/A $0 0
Total 12 $235,185 $46,395 $281,129 84% $3,122 12

Debt by Account Type

 Page 2 of 22

Debt to Credit Ratio by Account Type

NOTE: Total may not equal 100% due to rounding.

Account Age
Usually, it is a good idea to keep your oldest credit account open, as a high average account age generally
demonstrates stability to lenders. Also, especially if you have been managing credit for a short time, opening many
new accounts will lower your average account age and may have a negative impact.

Length of Credit History 34 Years , 8 Months

Average Account Age 14 Years, 2 Months
Oldest Account SEARS/CBNA (Opened 06/1977)
Most Recent Account MACY'S/DSNB (Opened 10/2007)

Inquiries - Requests for your Credit History

Numerous inquires on your credit file for new credit may cause you to appear risky to lenders, so it is usually better
to only seek new credit when you need it. Typically, lenders distinguish between inquiries for a single loan and many
new loans in part by the length of time over which the inquiries occur. So, when rate shopping for a loan it's a good
idea to do it within a focused period of time.

Inquiries in the Last 2 Years 0

Most Recent Inquiry N/A

Potentially Negative Information

Late payments, collections and public records can have a negative impact on your credit standing. The more severe
and recent they are, the more negative the potential impact might be.

Public Records 0
Negative Accounts 0
Collections 0

Mortgage Accounts
Mortgage accounts include first mortgages, home equity loans, and any other loans secured by real estate you own.

Open Accounts
Date Date Past Credit
Account Name Account Number Balance Status
Opened Reported Due Limit
BANK OF 2466XXXX 05/2003 $47,831 01/2012 PAYS AS
AMERICA, N.A AGREED
 Page 3 of 22

Date Date Past Credit

Account Name Account Number Balance Status
Opened Reported Due Limit

BAC HOME LNS LP/CTRYWDE

450 American St
Simi Valley, CA-930656285
(800) 669-6607
Account Number: 2466XXXX Status: PAYS AS
AGREED
Account Owner: Joint Account High Credit: $68,200
Type of Account : Mortgage Credit Limit:
Term Duration: 20 Years Terms Frequency: Monthly (due
every month)
Date Opened: 05/2003 Balance: $47,831
Date Reported: 01/2012 Amount Past Due:
Date of Last Payment: 01/2012 Actual Payment Amount:
Scheduled Payment Amount: $653 Date of Last Activity: 01/2012
Date Major Delinquency First Months Reviewed: 99
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Conventional
RE Mortgage
Date of First Delinquency: N/A
Comments:

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * * *

BANK OF 6817900142XXXX 09/2006 $91,769 01/2012 PAYS AS $100,000

AMERICA, N.A AGREED

BANK OF AMERICA
4161 Piedmont Pkwy
Greensboro, NC-274108110
(800) 451-6362
Account Number: 6817900142XXXX Status: PAYS AS
AGREED
Account Owner: Joint Account High Credit: $99,559
Type of Account : Line of Credit Credit Limit: $100,000
Term Duration: Terms Frequency: Monthly (due
every month)
 Page 4 of 22

Date Date Past Credit

Account Name Account Number Balance Status
Opened Reported Due Limit
Date Opened: 09/2006 Balance: $91,769
Date Reported: 01/2012 Amount Past Due:
Date of Last Payment: 01/2012 Actual Payment Amount: $575
Scheduled Payment Amount: $707 Date of Last Activity: 01/2012
Date Major Delinquency First Months Reviewed: 64
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Home Equity
Line of Credit
Date of First Delinquency: N/A
Comments:

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * *

Closed Accounts
Account Date Date Past Credit
Account Name Balance Status
Number Opened Reported Due Limit
NATIONAL CITY BK 36824XXXX 10/2001 $0 06/2007 PAYS AS
-CLS AGREED

NATIONAL CITY
PO Box 94982
C B Dispute Lot#01-7103
Cleveland, OH-441014982
(800) 434-7894
Account Number: 36824XXXX Status: PAYS AS
AGREED
Account Owner: Joint Account High Credit: $67,000
Type of Account : Installment Credit Limit:
Term Duration: 15 Years Terms Frequency:
Date Opened: 10/2001 Balance: $0
Date Reported: 06/2007 Amount Past Due:
Date of Last Payment: 09/2006 Actual Payment Amount:
Scheduled Payment Amount: Date of Last Activity: 09/2006
Date Major Delinquency First Months Reviewed: 27
Reported:
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Account Date Date Past Credit

Account Name Balance Status
Number Opened Reported Due Limit
Creditor Classification: Activity Designator: Paid and
Closed
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Real Estate
Date of First Delinquency: N/A
Comments:

81-Month Payment History

No 81-Month Payment Data available for display.

Back to Top

Installment Accounts
Installment accounts are credit accounts in which the amount of the payment and the number of payments are
predetermined or fixed, such as a car loan.

Open Accounts
Account Date Date Past Credit
Account Name Balance Status
Number Opened Reported Due Limit
NELNET LOAN 194XXXX 03/2003 $34,450 02/2012 PAYS AS
SERVICES AGREED

NELNET LOAN SERVICES

3015 S Parker Rd Ste 425
Aurora, CO-800142904
(888) 486-4722
Account Number: 194XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $40,769
Type of Account : Installment Credit Limit:
Term Duration: 300 Months Terms Frequency: Monthly (due
every month)
Date Opened: 03/2003 Balance: $34,450
Date Reported: 02/2012 Amount Past Due:
Date of Last Payment: 01/2012 Actual Payment Amount: $246
Scheduled Payment Amount: $247 Date of Last Activity: 02/2012
Date Major Delinquency First Months Reviewed: 92
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Education
Loan
Date of First Delinquency: N/A
Comments:
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Account Date Date Past Credit

Account Name Balance Status
Number Opened Reported Due Limit

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2012 *
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * *

NELNET LOAN 194XXXX 03/2003 $8,107 02/2012 PAYS AS

SERVICES AGREED

NELNET LOAN SERVICES

3015 S Parker Rd Ste 425
Aurora, CO-800142904
(888) 486-4722
Account Number: 194XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $9,590
Type of Account : Installment Credit Limit:
Term Duration: 300 Months Terms Frequency: Monthly (due
every month)
Date Opened: 03/2003 Balance: $8,107
Date Reported: 02/2012 Amount Past Due:
Date of Last Payment: 01/2012 Actual Payment Amount: $58
Scheduled Payment Amount: $58 Date of Last Activity: 02/2012
Date Major Delinquency First Months Reviewed: 99
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Education
Loan
Date of First Delinquency: N/A
Comments:

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2012 *
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
 Page 7 of 22

Account Date Date Past Credit

Account Name Balance Status
Number Opened Reported Due Limit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2006 * * * * * * * * * * * *
2005 * * * * * * * *

Closed Accounts
Account Date Date Past Credit
Account Name Balance Status
Number Opened Reported Due Limit
GMAC 06190115XXXX 05/2003 $0 09/2008 PAYS AS
AGREED

GMAC

,-
(800) 200-4622
Account Number: 06190115XXXX Status: PAYS AS
AGREED
Account Owner: Joint Account High Credit: $34,042
Type of Account : Installment Credit Limit:
Term Duration: 60 Months Terms Frequency: Monthly (due
every month)
Date Opened: 05/2003 Balance: $0
Date Reported: 09/2008 Amount Past Due:
Date of Last Payment: 07/2008 Actual Payment Amount: $567
Scheduled Payment Amount: $567 Date of Last Activity: 07/2008
Date Major Delinquency First Months Reviewed: 64
Reported:
Creditor Classification: Activity Designator: Paid and
Closed
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: 07/2008 Type of Loan: Auto
Date of First Delinquency: N/A
Comments:

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2008 * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * * * * * *
2004 * * * * * * * * * * * *
2003 * * * * * * * *

GMAC 06113569XXXX 12/2000 $0 05/2006 PAYS AS

AGREED
 Page 8 of 22

Account Date Date Past Credit

Account Name Balance Status
Number Opened Reported Due Limit

GMAC

,-
(800) 200-4622
Account Number: 06113569XXXX Status: PAYS AS
AGREED
Account Owner: Joint Account High Credit: $24,583
Type of Account : Installment Credit Limit:
Term Duration: 48 Months Terms Frequency: Monthly (due
every month)
Date Opened: 12/2000 Balance: $0
Date Reported: 05/2006 Amount Past Due:
Date of Last Payment: 03/2006 Actual Payment Amount: $592
Scheduled Payment Amount: $647 Date of Last Activity: 03/2006
Date Major Delinquency First Months Reviewed: 65
Reported:
Creditor Classification: Activity Designator: Paid and
Closed
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: 03/2006 Type of Loan: Auto
Date of First Delinquency: N/A
Comments:

81-Month Payment History

No 81-Month Payment Data available for display.

NELNET LOAN 84684XXXX 08/1998 $0 03/2003 PAYS AS

SERVICES AGREED

NELNET LOAN SERVICES

3015 S Parker Rd Ste 425
Aurora, CO-800142904
(888) 486-4722
Account Number: 84684XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $1,857
Type of Account : Installment Credit Limit:
Term Duration: Terms Frequency:
Date Opened: 08/1998 Balance: $0
Date Reported: 03/2003 Amount Past Due:
Date of Last Payment: Actual Payment Amount:
Scheduled Payment Amount: $22 Date of Last Activity: 02/2003
Date Major Delinquency First Months Reviewed: 54
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
 Page 9 of 22

Account Date Date Past Credit

Account Name Balance Status
Number Opened Reported Due Limit
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan:
Date of First Delinquency: N/A
Comments: Closed or paid account zero balance

81-Month Payment History

No 81-Month Payment Data available for display.

NELNET LOAN 84684XXXX 08/1998 $0 03/2003 PAYS AS

SERVICES AGREED

NELNET LOAN SERVICES

3015 S Parker Rd Ste 425
Aurora, CO-800142904
(888) 486-4722
Account Number: 84684XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $4,784
Type of Account : Installment Credit Limit:
Term Duration: Terms Frequency:
Date Opened: 08/1998 Balance: $0
Date Reported: 03/2003 Amount Past Due:
Date of Last Payment: Actual Payment Amount:
Scheduled Payment Amount: $66 Date of Last Activity: 02/2003
Date Major Delinquency First Months Reviewed: 54
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan:
Date of First Delinquency: N/A
Comments: Closed or paid account zero balance

81-Month Payment History

No 81-Month Payment Data available for display.

NELNET LOAN 84684XXXX 07/1998 $0 03/2003 PAYS AS

SERVICES AGREED

NELNET LOAN SERVICES

3015 S Parker Rd Ste 425
Aurora, CO-800142904
(888) 486-4722
Account Number: 84684XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $3,859
Type of Account : Installment Credit Limit:
 Page 10 of 22

Account Date Date Past Credit

Account Name Balance Status
Number Opened Reported Due Limit
Term Duration: Terms Frequency:
Date Opened: 07/1998 Balance: $0
Date Reported: 03/2003 Amount Past Due:
Date of Last Payment: Actual Payment Amount:
Scheduled Payment Amount: $53 Date of Last Activity: 02/2003
Date Major Delinquency First Months Reviewed: 56
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan:
Date of First Delinquency: N/A
Comments: Closed or paid account zero balance

81-Month Payment History

No 81-Month Payment Data available for display.

NELNET LOAN 84684XXXX 08/1997 $0 03/2003 PAYS AS

SERVICES AGREED

NELNET LOAN SERVICES

3015 S Parker Rd Ste 425
Aurora, CO-800142904
(888) 486-4722
Account Number: 84684XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $10,029
Type of Account : Installment Credit Limit:
Term Duration: Terms Frequency:
Date Opened: 08/1997 Balance: $0
Date Reported: 03/2003 Amount Past Due:
Date of Last Payment: Actual Payment Amount:
Scheduled Payment Amount: $149 Date of Last Activity: 02/2003
Date Major Delinquency First Months Reviewed: 14
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan:
Date of First Delinquency: N/A
Comments: Closed or paid account zero balance

81-Month Payment History

No 81-Month Payment Data available for display.
 Page 11 of 22

Account Date Date Past Credit

Account Name Balance Status
Number Opened Reported Due Limit
NELNET LOAN 84684XXXX 08/1996 $0 03/2003 PAYS AS
SERVICES AGREED

NELNET LOAN SERVICES

3015 S Parker Rd Ste 425
Aurora, CO-800142904
(888) 486-4722
Account Number: 84684XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $4,000
Type of Account : Installment Credit Limit:
Term Duration: Terms Frequency:
Date Opened: 08/1996 Balance: $0
Date Reported: 03/2003 Amount Past Due:
Date of Last Payment: Actual Payment Amount:
Scheduled Payment Amount: $63 Date of Last Activity: 02/2003
Date Major Delinquency First Months Reviewed: 14
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan:
Date of First Delinquency: N/A
Comments: Closed or paid account zero balance

81-Month Payment History

No 81-Month Payment Data available for display.

NELNET LOAN 84684XXXX 08/1996 $0 03/2003 PAYS AS

SERVICES AGREED

NELNET LOAN SERVICES

3015 S Parker Rd Ste 425
Aurora, CO-800142904
(888) 486-4722
Account Number: 84684XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $3,500
Type of Account : Installment Credit Limit:
Term Duration: Terms Frequency:
Date Opened: 08/1996 Balance: $0
Date Reported: 03/2003 Amount Past Due:
Date of Last Payment: Actual Payment Amount:
Scheduled Payment Amount: $41 Date of Last Activity: 02/2003
Date Major Delinquency First Months Reviewed: 79
Reported:
Creditor Classification: Activity Designator: N/A
 Page 12 of 22

Account Date Date Past Credit

Account Name Balance Status
Number Opened Reported Due Limit
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan:
Date of First Delinquency: N/A
Comments: Closed or paid account zero balance

81-Month Payment History

No 81-Month Payment Data available for display.

NELNET LOAN 84684XXXX 08/1995 $0 03/2003 PAYS AS

SERVICES AGREED

NELNET LOAN SERVICES

3015 S Parker Rd Ste 425
Aurora, CO-800142904
(888) 486-4722
Account Number: 84684XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $5,749
Type of Account : Installment Credit Limit:
Term Duration: Terms Frequency:
Date Opened: 08/1995 Balance: $0
Date Reported: 03/2003 Amount Past Due:
Date of Last Payment: Actual Payment Amount:
Scheduled Payment Amount: $98 Date of Last Activity: 02/2003
Date Major Delinquency First Months Reviewed: 14
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan:
Date of First Delinquency: N/A
Comments: Closed or paid account zero balance

81-Month Payment History

No 81-Month Payment Data available for display.

NELNET LOAN 84684XXXX 08/1995 $0 03/2003 PAYS AS

SERVICES AGREED

NELNET LOAN SERVICES

3015 S Parker Rd Ste 425
Aurora, CO-800142904
(888) 486-4722
Account Number: 84684XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $4,751
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Account Date Date Past Credit

Account Name Balance Status
Number Opened Reported Due Limit
Type of Account : Installment Credit Limit:
Term Duration: Terms Frequency:
Date Opened: 08/1995 Balance: $0
Date Reported: 03/2003 Amount Past Due:
Date of Last Payment: Actual Payment Amount:
Scheduled Payment Amount: $56 Date of Last Activity: 02/2003
Date Major Delinquency First Months Reviewed: 91
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan:
Date of First Delinquency: N/A
Comments: Closed or paid account zero balance

81-Month Payment History

No 81-Month Payment Data available for display.

NELNET LOAN 84684XXXX 10/1994 $0 03/2003 PAYS AS

SERVICES AGREED

NELNET LOAN SERVICES

3015 S Parker Rd Ste 425
Aurora, CO-800142904
(888) 486-4722
Account Number: 84684XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $4,000
Type of Account : Installment Credit Limit:
Term Duration: Terms Frequency:
Date Opened: 10/1994 Balance: $0
Date Reported: 03/2003 Amount Past Due:
Date of Last Payment: Actual Payment Amount:
Scheduled Payment Amount: $70 Date of Last Activity: 02/2003
Date Major Delinquency First Months Reviewed: 99
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan:
Date of First Delinquency: N/A
Comments: Closed or paid account zero balance

81-Month Payment History

No 81-Month Payment Data available for display.
 Page 14 of 22

Back to Top

Revolving Accounts
Revolving accounts are charge accounts that have a credit limit and require a minimum payment each month, such
as most credit cards.

Open Accounts
Date Date Past Credit
Account Name Account Number Balance Status
Opened Reported Due Limit
BANK OF 549035038354XXXX 11/1977 $5,829 01/2012 PAYS AS $5,900
AMERICA AGREED

BANK OF AMERICA
PO Box 15026
Wilmington, DE-198505026
(800) 421-2110
Account Number: 549035038354XXXX Status: PAYS AS
AGREED
Account Owner: Joint Account High Credit: $5,989
Type of Account : Revolving Credit Limit: $5,900
Term Duration: Terms Frequency: Monthly (due
every month)
Date Opened: 11/1977 Balance: $5,829
Date Reported: 01/2012 Amount Past Due:
Date of Last Payment: 01/2012 Actual Payment Amount: $170
Scheduled Payment Amount: $179 Date of Last Activity: 01/2012
Date Major Delinquency First Months Reviewed: 65
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Credit Card
Date of First Delinquency: N/A
Comments:

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * * *

CHASE BANK 441712597712XXXX 08/1997 $4,062 02/2012 PAYS AS $4,100

USA, NA AGREED
 Page 15 of 22

Date Date Past Credit

Account Name Account Number Balance Status
Opened Reported Due Limit

Chase Card Services

P.O.Box 15298
Wilmington, DE-19850
(800) 955-9900
Account Number: 441712597712XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $5,773
Type of Account : Revolving Credit Limit: $4,100
Term Duration: Terms Frequency: Monthly (due
every month)
Date Opened: 08/1997 Balance: $4,062
Date Reported: 02/2012 Amount Past Due:
Date of Last Payment: 02/2012 Actual Payment Amount: $140
Scheduled Payment Amount: $134 Date of Last Activity: 02/2012
Date Major Delinquency First Months Reviewed: 99
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Credit Card
Date of First Delinquency: N/A
Comments:

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2012 *
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * *

CHASE - BEST 152300610102XXXX 11/2001 $1,959 02/2012 PAYS AS $6,500

BUY AGREED

Chase Card Services

P.O.Box 15298
Wilmington, DE-19850
(800) 955-9900
Account Number: 152300610102XXXX Status: PAYS AS
AGREED
Account Owner: Joint Account High Credit: $5,067
Type of Account : Revolving Credit Limit: $6,500
 Page 16 of 22

Date Date Past Credit

Account Name Account Number Balance Status
Opened Reported Due Limit
Term Duration: Terms Frequency: Monthly (due
every month)
Date Opened: 11/2001 Balance: $1,959
Date Reported: 02/2012 Amount Past Due:
Date of Last Payment: 02/2012 Actual Payment Amount: $50
Scheduled Payment Amount: $50 Date of Last Activity: 02/2012
Date Major Delinquency First Months Reviewed: 99
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Charge
Account
Date of First Delinquency: N/A
Comments:

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2012 *
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * *

CITICARDS CBNA 541065445107XXXX 03/1990 $24,751 02/2012 PAYS AS $24,970

AGREED

CITICARDS CBNA
PO Box 6241
Sioux Falls, SD-571176241

Account Number: 541065445107XXXX Status: PAYS AS

AGREED
Account Owner: Individual Account. High Credit: $0
Type of Account : Revolving Credit Limit: $24,970
Term Duration: Terms Frequency: Monthly (due
every month)
Date Opened: 03/1990 Balance: $24,751
Date Reported: 02/2012 Amount Past Due:
Date of Last Payment: 02/2012 Actual Payment Amount:
Scheduled Payment Amount: $658 Date of Last Activity: 02/2012
Date Major Delinquency First Months Reviewed: 99
Reported:
 Page 17 of 22

Date Date Past Credit

Account Name Account Number Balance Status
Opened Reported Due Limit
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Credit Card
Date of First Delinquency: N/A
Comments:

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2012 *
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * *

GECRB/JC 600889633136XXXX 01/2003 $2,967 02/2012 PAYS AS $7,900

PENNEYS AGREED

GECRB/JC PENNEYS
PO Box 965005
Orlando, FL-328965005
(800) 542-0800
Account Number: 600889633136XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit: $5,158
Type of Account : Revolving Credit Limit: $7,900
Term Duration: Terms Frequency: Monthly (due
every month)
Date Opened: 01/2003 Balance: $2,967
Date Reported: 02/2012 Amount Past Due:
Date of Last Payment: 01/2012 Actual Payment Amount: $160
Scheduled Payment Amount: $148 Date of Last Activity: 02/2012
Date Major Delinquency First Months Reviewed: 99
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Charge
Account
Date of First Delinquency: N/A
Comments:
 Page 18 of 22

Date Date Past Credit

Account Name Account Number Balance Status
Opened Reported Due Limit

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2012 *
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * *

MACY'S/DSNB 436357465XXXX 10/2007 $451 01/2012 PAYS AS

AGREED

MACY'S/DSNB
PO Box 8218
Mason, OH-450408218
(800) 243-6552
Account Number: 436357465XXXX Status: PAYS AS
AGREED
Account Owner: Individual Account. High Credit:
Type of Account : Revolving Credit Limit:
Term Duration: Terms Frequency: Monthly (due
every month)
Date Opened: 10/2007 Balance: $451
Date Reported: 01/2012 Amount Past Due:
Date of Last Payment: 01/2012 Actual Payment Amount:
Scheduled Payment Amount: $25 Date of Last Activity: 01/2012
Date Major Delinquency First Months Reviewed: 51
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Charge
Account
Date of First Delinquency: N/A
Comments:

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * *
 Page 19 of 22

Date Date Past Credit

Account Name Account Number Balance Status
Opened Reported Due Limit
SEARS/CBNA 504994806173XXXX 06/1977 $1,174 02/2012 PAYS AS $1,300
AGREED

SEARS/CBNA
PO Box 6282
Sioux Falls, SD-571176282

Account Number: 504994806173XXXX Status: PAYS AS

AGREED
Account Owner: Authorized User High Credit: $10,869
Type of Account : Revolving Credit Limit: $1,300
Term Duration: Terms Frequency: Monthly (due
every month)
Date Opened: 06/1977 Balance: $1,174
Date Reported: 02/2012 Amount Past Due:
Date of Last Payment: 02/2012 Actual Payment Amount:
Scheduled Payment Amount: $30 Date of Last Activity: 02/2012
Date Major Delinquency First Months Reviewed: 99
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Charge
Account
Date of First Delinquency: N/A
Comments:

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2012 *
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * *

WELLS FARGO 761042XXXX 12/1999 $11,835 01/2012 PAYS AS $11,900

BANK AGREED

WELLS FARGO BANK

Credit Bureau Dispute Resoluti
PO Box 14517
Des Moines, IA-503063517

Account Number: 761042XXXX Status: PAYS AS

AGREED
 Page 20 of 22

Date Date Past Credit

Account Name Account Number Balance Status
Opened Reported Due Limit
Account Owner: Joint Account High Credit: $15,000
Type of Account : Line of Credit Credit Limit: $11,900
Term Duration: Terms Frequency: Monthly (due
every month)
Date Opened: 12/1999 Balance: $11,835
Date Reported: 01/2012 Amount Past Due:
Date of Last Payment: 01/2012 Actual Payment Amount:
Scheduled Payment Amount: $233 Date of Last Activity: 01/2012
Date Major Delinquency First Months Reviewed: 99
Reported:
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Line of Credit
Date of First Delinquency: N/A
Comments:

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * * * * * *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * * *

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Other Accounts
These are all accounts that do not fall into the other categories and can include 30-day accounts such as American
Express.
You have no accounts classified as "Other" on file
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Payment History Key

Meaning Symbol Meaning Symbol

Pays or Paid as Agreed: * 180+ Days Past Due: 180

30-59 Days Past Due: 30 Collection Account: CA

60-89 Days Past Due: 60 Foreclosure: F

90-119 Days Past Due: 90 Voluntary Surrender: VS

120-149 Days Past Due: 120 Repossession: R

150-179 Days Past Due: 150 Charge Off: CO

 Page 21 of 22

Inquiries
A request for your credit history is called an inquiry.Inquiries remain on your credit report for two years. There are
two types of inquires those that may impact your credit rating and those that do not.

Inquiries that do not impact your credit rating

These inquires include requests from employers, companies making promotional offers and your own requests to
check your credit. These inquiries are only viewable by you.

Company Information Date of Inquiry

AR-CITIBANK NA 04/24/11

AR-CITI CARDS CBNA 01/27/12, 12/30/11

ND-Equifax Consumer Services 01/01/12, 12/03/11

ND-Equifax Consumer Services 02/19/11

AR-MACYS/DSNB 01/27/12, 12/30/11

AR-MACYS/FDSB 08/16/11

Prefix Prefix Description

PRM Inquiries 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 or insurance.
(PRM inquiries remain for twelve months.)

AM or AR Inquiries with these prefixes indicate a periodic review of your credit history by one
of your creditors.
(AM and AR inquiries remain for twelve months.)

EMPL Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for
24 months)

Equifax or EFX Inquiries with these prefixes indicate Equifax’s activity in response to your contact
with us for a copy of your credit file or a research request.

ND Inquiries with this prefix are general inquiries that do not display to credit grantors.
(ND inquiries remain for twelve months.)

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.
(ND MR inquiries remain for 24 months.)

PR Inquiries with this prefix indicate that a creditor reviewed your account as part of a
portfolio they are purchasing.
(PR inquiries remain for 12 months.)
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Negative Accounts
Accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for
7 years from the??date the account first became past due leading to the current not paid status. Late Payment
History generally remains on your credit file for 7 years from the date of the late payment.
You have no negative accounts on file.
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Collections
A collection is an account that has been turned over to a collection agency by one of your creditors because they
believe the account has not been paid as agreed.
You have no Collections on file
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 Page 22 of 22

Public Records
Public record information includes bankruptcies, liens or judgments and comes from federal, state or county court
records.
You have no Public Records on file
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Personal Information
The following information is added to your file either when creditors enter requests to view your credit history, or
when you report it to Equifax directly.
Name: Donna R. Rainville
Social Security Number: XXX-XX-8485
Age or Date of Birth: November 5, 1956

Address Information
Current/Previous Street City State Zip Date Reported
Current 10531 E OAKWOOD DR TUCSON AZ 85749 02/23/2012

Other Identification
You have no other identification on file.

Employment History
You have no Employment History on file.

Alert(s)
File Blocked For Promotional Purposes

Consumer Statement
You have no Consumer Statement on file.
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Dispute File Information

If you believe that any of the information found on this report is incorrect, there are 3 ways to launch an investigation
about the information on this report.
When you file a dispute, the credit bureau you contact is required to investigate your dispute within 30 days. They
will not remove accurate data unless it is outdated or cannot be verified.
To initiate a dispute online please visit https://www.ai.equifax.com
To check the status or view the results of your dispute please visit https://www.ai.equifax.com
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