11/30/24, 6:46 AM Annual Credit Report - Experian

Prepared For

ALICE TURNER
Personal & Confidential

Date Generated Nov 30, 2024

Report Number 0809-6168-58

At a
Glance 13 Accounts 0 Public Records 2 Hard Inquiries

Personal Information

5 Names 10 Addresses 1 Employers 5 Other Records

Because your personal information is reported by you, your creditors, and other sources, it's typical
to see small variations in reported personal information, like names and addresses. For security
reasons, many of these items can't be disputed online, but don't worry—they don't affect your
credit score.

Names

ALICE TURNER ALICE J TURNER ALICE W TURNER ALICE J

TURNEER
Name ID #8636 Name ID #2651 Name ID #31691
Name ID #12896

ALICE J DAVIS

Name ID #8308

https://usa.experian.com/acr/printReport?type=CDI 1/29
11/30/24, 6:46 AM Annual Credit Report - Experian

Addresses

505 127 PALM DR 1626 OLD 7130 SIERRA

WOODHAVEN DR LANCASTER TX, HICKORY TRL WAY
WAXAHACHIE 75146-1943 APT9104 DALLAS TX,
TX, 75165-1240 DESOTO TX, 75241-5721
Address ID
75115-2285
Address ID #0498936291 Address ID
#0914657138 Single family Address ID #0598091307
Single family #0629603491 Single family
Apartment
complex

3432 GREAT 4325 COLE AVE 1930 S OXFORD 505

TRINITY FOREST DALLAS TX, AVE APT100 WOODANHAVEN
WAY APT2 067 75205-4883 LOS ANGELES DR
DALLAS TX, CA, 90018-1577 WAXAHACHIE
Address ID
75216-7851 TX, 75165
#0146637495 Address ID
Address ID Multifamily #0673987827 Address ID
#0353432610 Apartment #0951100105
Apartment complex Single family
complex

3114 MOSSY 127 TOM DR

GROVE LN LANCASTER TX,
EULESS TX, 75146
76040-7738
Address ID
Address ID #0944059345
#0950829741 Single family
Single family

Year of Birth

1955

Phone Numbers

(972) 709-7558 (213) 495-9926 (214) 374-1763

Residential Cellular Residential

https://usa.experian.com/acr/printReport?type=CDI 2/29
11/30/24, 6:46 AM Annual Credit Report - Experian

Spouse or Co-Applicant

TORRIAE

Employers

HOME INSTEAD SENIOR CARE

Accounts
Includes credit cards, real estate loans and installment loans. This information is reported to the
credit bureaus from your creditors.

ADS/COMENITY/ASHSTWRT

 Account Info
Account Name ADS/COMENITY/ASHSTWRT

Account Number 585637XXXXXXXXXX

Account Type Charge Card

Responsibility Individual

Date Opened 05/27/2023

Status Open/Never late.

Status Updated Nov 2024

Balance $354

Balance Updated 11/17/2024

Recent Payment $130 as of 11/4/2024

Monthly Payment $30

Credit Limit $1,550

Highest Balance $730

Terms -

 Payment History
J F M A M J J A S O N D

2024            —

https://usa.experian.com/acr/printReport?type=CDI 3/29
11/30/24, 6:46 AM Annual Credit Report - Experian

2023 — — — — —       

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Oct 2024 $401 $30 $49 on 10/7/2024

Sep 2024 $323 $30 $165 on 9/4/2024

Aug 2024 $353 $30 $215 on 8/5/2024

Jul 2024 $502 $30 $200 on 7/5/2024

Jun 2024 $593 $35 $150 on 6/6/2024

May 2024 $683 $45 $200 on 5/7/2024

Apr 2024 $484 $30 $225 on 4/4/2024

Mar 2024 $646 $40 $167 on 3/4/2024

Feb 2024 $539 $35 $167 on 2/5/2024

Jan 2024 $631 $40 $160 on 1/7/2024

Dec 2023 $730 $45 $80 on 12/5/2023

Nov 2023 $481 $30 $150 on 11/5/2023

Oct 2023 $498 $30 $111 on 10/2/2023

Sep 2023 $363 $30 $77 on 9/6/2023

Aug 2023 $277 $30 $63 on 8/3/2023

Jul 2023 $150 $30 $60 on 7/3/2023

Jun 2023 $138 $30 $0

Additional info
Between Aug 2024 and Oct 2024, your credit limit/high balance was $1,550

Between Apr 2024 and Jul 2024, your credit limit/high balance was $1,200

Between Nov 2023 and Mar 2024, your credit limit/high balance was $850

Between Jun 2023 and Oct 2023, your credit limit/high balance was $500

 Contact Info
Address PO BOX 182789,
COLUMBUS OH 43218

https://usa.experian.com/acr/printReport?type=CDI 4/29
11/30/24, 6:46 AM Annual Credit Report - Experian

CAPITAL ONE AUTO FINANCE

 Account Info
Account Name CAPITAL ONE AUTO FINANCE

Account Number 620617XXXXXXXXXXX

Account Type Auto Loan

Responsibility Individual

Date Opened 09/30/2016

Status Paid, Closed/Never late.

Status Updated May 2023

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $25,374

Highest Balance -

Terms 80 Months

On Record Until May 2033

 Payment History
J F M A M J J A S O N D

2023     CLS — — — — — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — — —   

 Current / Terms met CLS Closed

This account is scheduled to continue on record until May 2033.

 Balance Histories

https://usa.experian.com/acr/printReport?type=CDI 5/29
11/30/24, 6:46 AM Annual Credit Report - Experian

Date Balance Scheduled Payment Paid

Apr 2023 $144 $144 $0 on 3/31/2023

Mar 2023 $144 $144 $785 on 3/31/2023

Feb 2023 $928 $392 $392 on 2/2/2023

Jan 2023 $1,318 $392 $0 on 12/30/2022

Dec 2022 $1,313 $392 $785 on 12/30/2022

Nov 2022 $2,093 $392 $392 on 11/2/2022

Additional info
The original amount of this account was $25,374

 Contact Info
Address PO BOX 259407,
PLANO TX 75025

Phone Number (800) 946-0332

CAPITAL ONE AUTO FINANCE

 Account Info
Account Name CAPITAL ONE AUTO FINANCE

Account Number 620621XXXXXXXXXXX

Account Type Auto Loan

Responsibility Individual

Date Opened 04/21/2012

Status Paid, Closed/Never late.

Status Updated Sep 2016

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $22,979

Highest Balance -

Terms 73 Months

On Record Until Sep 2026

 Payment History
https://usa.experian.com/acr/printReport?type=CDI 6/29
11/30/24, 6:46 AM Annual Credit Report - Experian

J F M A M J J A S O N D

2016         CLS — — —

2015            

2014            

2013            

2012 — — —         

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Sep 2026.

 Contact Info
Address PO BOX 259407,
PLANO TX 75025

Phone Number (800) 946-0332

COMENITYCAPITAL/FAMOUS

 Account Info
Account Name COMENITYCAPITAL/FAMOUS

Account Number 544267XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 05/01/2023

Status Open/Never late.

Status Updated Nov 2024

Balance $0

Balance Updated 11/12/2024

Recent Payment -

Monthly Payment $0

Credit Limit $1,000

Highest Balance $59

Terms -

 Payment History
J F M A M J J A S O N D

2024            —

2023 — — — —        

https://usa.experian.com/acr/printReport?type=CDI 7/29
11/30/24, 6:46 AM Annual Credit Report - Experian

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Oct 2024 $0 $0 $0 on 9/26/2023

Sep 2024 $0 $0 $0 on 9/26/2023

Aug 2024 $0 $0 $0 on 9/26/2023

Jul 2024 $0 $0 $0 on 9/26/2023

Jun 2024 $0 $0 $0 on 9/26/2023

May 2024 $0 $0 $0 on 9/26/2023

Apr 2024 $0 $0 $0 on 9/26/2023

Mar 2024 $0 $0 $0 on 9/26/2023

Feb 2024 $0 $0 $0 on 9/26/2023

Jan 2024 $0 $0 $0 on 9/26/2023

Dec 2023 $0 $0 $0 on 9/26/2023

Nov 2023 $0 $0 $0 on 9/26/2023

Oct 2023 $0 $0 $2 on 9/26/2023

Sep 2023 $2 $2 $31 on 9/5/2023

Aug 2023 $31 $30 $30 on 8/3/2023

Jul 2023 $59 $30 $0 on 5/1/2023

Jun 2023 $0 $0 $0 on 5/1/2023

May 2023 $0 $0 $43 on 5/1/2023

Additional info
Between May 2023 and Oct 2024, your credit limit/high balance was $1,000

 Contact Info
Address PO BOX 182120,
COLUMBUS OH 43218

https://usa.experian.com/acr/printReport?type=CDI 8/29
11/30/24, 6:46 AM Annual Credit Report - Experian

COVINGTON CREDIT

 Account Info
Account Name COVINGTON CREDIT

Account Number 100477XXXX

Account Type Note Loan

Responsibility Individual

Date Opened 01/25/2018

Status Paid, Closed/Never late.

Status Updated Oct 2018

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $601

Highest Balance -

Terms 10 Months

On Record Until Oct 2028

 Payment History
J F M A M J J A S O N D

2018          CLS — —

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Oct 2028.

 Contact Info
Address 301 N MAIN ST,
GREENVILLE SC 29601

Phone Number (864) 233-9033

JPMCB HOME
POTENTIALLY NEGATIVE

 Account Info
Account Name JPMCB HOME

Account Number 156069XXXXXXX

https://usa.experian.com/acr/printReport?type=CDI 9/29
11/30/24, 6:46 AM Annual Credit Report - Experian
Account Type Mortgage

Responsibility Individual

Date Opened 09/22/2005

Status Paid, Closed.

Status Updated Oct 2018

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $101,520

Highest Balance -

Terms 30 Years

 Payment History
J F M A M J J A S O N D

2018         30 60 — —

2017            

2016            

2015       ND     

2014            

2013            

2012            

2011 — — — — — — — — — —  

 Current / Terms met 30 Past due 30 days

No data for this
60 Past due 60 days ND
period
Payment history guide

60 days past due as of Oct 2018

30 days past due as of Sep 2018

 Contact Info
Address 700 KANSAS LN,
MONROE LA 71203

Phone Number (800) 848-9136

 Comment
Current:

Loan modified under a federal government plan

https://usa.experian.com/acr/printReport?type=CDI 10/29
11/30/24, 6:46 AM Annual Credit Report - Experian

Previous:

None

JPMCB HOME
POTENTIALLY NEGATIVE

 Account Info
Account Name JPMCB HOME

Account Number 156069XXXXXXX

Account Type Mortgage

Responsibility Individual

Date Opened 09/22/2005

Status Paid, Closed.

Status Updated Oct 2018

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $25,380

Highest Balance -

Terms 31 Years

 Payment History
J F M A M J J A S O N D

2018          30 — —

2017            

2016            

2015       ND     

2014            

2013            

2012            

2011 — — — — — — — — — —  

 Current / Terms met 30 Past due 30 days

No data for this
ND
period
Payment history guide

30 days past due as of Oct 2018

https://usa.experian.com/acr/printReport?type=CDI 11/29
11/30/24, 6:46 AM Annual Credit Report - Experian

 Contact Info
Address 700 KANSAS LN,
MONROE LA 71203

Phone Number (800) 848-9136

 Comment
Current:

Loan modified under a federal government plan

Previous:

None

MACYS/CBNA

 Account Info
Account Name MACYS/CBNA

Account Number 433489XXXXXX

Account Type Charge Card

Responsibility Individual

Date Opened 11/01/1999

Status Paid, Closed/Never late.

Status Updated Apr 2020

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $1,300

Highest Balance $1,304

Terms -

On Record Until Apr 2030

 Payment History
J F M A M J J A S O N D

2020    CLS — — — — — — — —

2019            

2018            

2017            

https://usa.experian.com/acr/printReport?type=CDI 12/29
11/30/24, 6:46 AM Annual Credit Report - Experian

2016            

2015        ND  ND ND 

2014            

2013 — — — —        

 Current / Terms met CLS Closed

No data for this
ND
period

This account is scheduled to continue on record until Apr 2030.

 Contact Info
Address PO BOX 6789,
SIOUX FALLS SD 57117

Phone Number (800) 243-6552

 Comment
Current:

Account closed at credit grantor's request.

Previous:

None

SEARS/CITIBANK

 Account Info
Account Name SEARS/CITIBANK

Account Number 504994XXXXXXXXXX

Account Type Charge Card

Responsibility Individual

Date Opened 08/26/2008

Status Paid, Closed/Never late.

Status Updated Aug 2022

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $5,200

Highest Balance $3,938

Terms -

https://usa.experian.com/acr/printReport?type=CDI 13/29
11/30/24, 6:46 AM Annual Credit Report - Experian
On Record Until Aug 2032

 Payment History
J F M A M J J A S O N D

2022        CLS — — — —

2021            

2020            

2019            

2018            

2017            

2016            

2015 — — — — — — — —    

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Aug 2032.

 Contact Info
Address PO BOX 6217,
SIOUX FALLS SD 57117

 Comment
Current:

Account closed at credit grantor's request.

Previous:

None

SYNCB/CARE CREDIT

 Account Info
Account Name SYNCB/CARE CREDIT

Account Number 601918XXXXXXXXXX

Account Type Charge Card

Responsibility Individual

Date Opened 11/09/2021

Status Open/Never late.

https://usa.experian.com/acr/printReport?type=CDI 14/29
11/30/24, 6:46 AM Annual Credit Report - Experian
Status Updated Nov 2024

Balance $0

Balance Updated 11/15/2024

Recent Payment -

Monthly Payment $0

Credit Limit $1,700

Highest Balance $169

Terms -

 Payment History
J F M A M J J A S O N D

2024            —

2023            

2022            

2021 — — — — — — — — — —  

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Oct 2024 $0 $0 $0 on 3/8/2022

Sep 2024 $0 $0 $0 on 3/8/2022

Aug 2024 $0 $0 $0 on 3/8/2022

Jul 2024 $0 $0 $0 on 3/8/2022

Jun 2024 $0 $0 $0 on 3/8/2022

May 2024 $0 $0 $0 on 3/8/2022

Apr 2024 $0 $0 $0 on 3/8/2022

Mar 2024 $0 $0 $0 on 3/8/2022

Feb 2024 $0 $0 $0 on 3/8/2022

Jan 2024 $0 $0 $0 on 3/8/2022

Dec 2023 $0 $0 $0 on 3/8/2022

Nov 2023 $0 $0 $0 on 3/8/2022

Oct 2023 $0 $0 $0 on 3/8/2022

https://usa.experian.com/acr/printReport?type=CDI 15/29
11/30/24, 6:46 AM Annual Credit Report - Experian

Date Balance Scheduled Payment Paid

Sep 2023 $0 $0 $0 on 3/8/2022

Aug 2023 $0 $0 $0 on 3/8/2022

Jul 2023 $0 $0 $0 on 3/8/2022

Jun 2023 $0 $0 $0 on 3/8/2022

May 2023 $0 $0 $0 on 3/8/2022

Apr 2023 $0 $0 $0 on 3/8/2022

Mar 2023 $0 $0 $0 on 3/8/2022

Feb 2023 $0 $0 $0 on 3/8/2022

Jan 2023 $0 $0 $0 on 3/8/2022

Dec 2022 $0 $0 $0 on 3/8/2022

Nov 2022 $0 $0 $0 on 3/8/2022

Additional info
Between Nov 2022 and Oct 2024, your credit limit/high balance was $1,700

 Contact Info
Address C/O P O BOX 965036,
ORLANDO FL 32896

Phone Number (866) 396-8254

SYNCB/LOWES

 Account Info
Account Name SYNCB/LOWES

Account Number 798192XXXXXXXXXX

Account Type Charge Card

Responsibility Individual

Date Opened 04/17/2016

Status Paid, Closed/Never late.

Status Updated Dec 2021

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

https://usa.experian.com/acr/printReport?type=CDI 16/29
11/30/24, 6:46 AM Annual Credit Report - Experian
Credit Limit $1,500

Highest Balance $235

Terms -

On Record Until Dec 2031

 Payment History
J F M A M J J A S O N D

2021            CLS

2020            

2019            

2018            

2017            

2016 — — —         

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Dec 2031.

 Contact Info
Address PO BOX 965005,
ORLANDO FL 32896

Phone Number (800) 444-1408

 Comment
Current:

Closed due to inactivity

Previous:

None

SYNCB/LOWES

 Account Info
Account Name SYNCB/LOWES

Account Number 798192XXXXXXXXXX

Account Type Charge Card

Responsibility Individual

https://usa.experian.com/acr/printReport?type=CDI 17/29
11/30/24, 6:46 AM Annual Credit Report - Experian
Date Opened 04/14/2022

Status Open/Never late.

Status Updated Nov 2024

Balance $110

Balance Updated 11/18/2024

Recent Payment -

Monthly Payment $29

Credit Limit $1,500

Highest Balance $127

Terms -

 Payment History
J F M A M J J A S O N D

2024            —

2023            

2022 — — —         

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Oct 2024 $0 $0 $0 on 7/1/2022

Sep 2024 $0 $0 $0 on 7/1/2022

Aug 2024 $0 $0 $0 on 7/1/2022

Jul 2024 $0 $0 $0 on 7/1/2022

Jun 2024 $0 $0 $0 on 7/1/2022

May 2024 $0 $0 $0 on 7/1/2022

Apr 2024 $0 $0 $0 on 7/1/2022

Mar 2024 $0 $0 $0 on 7/1/2022

Feb 2024 $0 $0 $0 on 7/1/2022

Jan 2024 $0 $0 $0 on 7/1/2022

Dec 2023 $0 $0 $0 on 7/1/2022

Nov 2023 $0 $0 $0 on 7/1/2022

https://usa.experian.com/acr/printReport?type=CDI 18/29
11/30/24, 6:46 AM Annual Credit Report - Experian

Date Balance Scheduled Payment Paid

Oct 2023 $0 $0 $0 on 7/1/2022

Sep 2023 $0 $0 $0 on 7/1/2022

Aug 2023 $0 $0 $0 on 7/1/2022

Jul 2023 $0 $0 $0 on 7/1/2022

Jun 2023 $0 $0 $0 on 7/1/2022

May 2023 $0 $0 $0 on 7/1/2022

Apr 2023 $0 $0 $0 on 7/1/2022

Mar 2023 $0 $0 $0 on 7/1/2022

Feb 2023 $0 $0 $0 on 7/1/2022

Jan 2023 $0 $0 $0 on 7/1/2022

Dec 2022 $0 $0 $0 on 7/1/2022

Nov 2022 $0 $0 $0 on 7/1/2022

Additional info
Between Aug 2024 and Oct 2024, your credit limit/high balance was $1,500

Between Nov 2022 and Jul 2024, your credit limit/high balance was $7,000

 Contact Info
Address PO BOX 965005,
ORLANDO FL 32896

Phone Number (800) 444-1408

SYNCB/ROOMS TO GO

 Account Info
Account Name SYNCB/ROOMS TO GO

Account Number 601919XXXXXXXXXX

Account Type Charge Card

Responsibility Individual

Date Opened 03/22/2022

Status Open/Never late.

Status Updated Nov 2024

Balance $887

Balance Updated 11/22/2024

https://usa.experian.com/acr/printReport?type=CDI 19/29
11/30/24, 6:46 AM Annual Credit Report - Experian
Recent Payment $72 as of 11/5/2024

Monthly Payment $61

Credit Limit $6,050

Highest Balance $2,531

Terms -

 Payment History
J F M A M J J A S O N D

2024            —

2023            

2022 — —          

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Oct 2024 $957 $61 $67 on 10/8/2024

Sep 2024 $924 $52 $67 on 9/10/2024

Aug 2024 $989 $52 $68 on 8/6/2024

Jul 2024 $1,055 $52 $67 on 7/10/2024

Jun 2024 $1,120 $51 $67 on 6/10/2024

May 2024 $1,187 $51 $67 on 5/8/2024

Apr 2024 $1,254 $51 $67 on 4/11/2024

Mar 2024 $1,321 $51 $67 on 3/7/2024

Feb 2024 $1,388 $51 $67 on 2/8/2024

Jan 2024 $1,455 $51 $67 on 1/10/2024

Dec 2023 $1,522 $51 $51 on 12/7/2023

Nov 2023 $1,573 $51 $51 on 11/13/2023

Oct 2023 $1,624 $51 $51 on 10/11/2023

Sep 2023 $1,675 $51 $51 on 9/13/2023

Aug 2023 $1,726 $51 $51 on 8/13/2023

https://usa.experian.com/acr/printReport?type=CDI 20/29
11/30/24, 6:46 AM Annual Credit Report - Experian

Date Balance Scheduled Payment Paid

Jul 2023 $1,777 $51 $51 on 7/7/2023

Jun 2023 $1,828 $51 $71 on 6/9/2023

May 2023 $1,899 $51 $54 on 5/10/2023

Apr 2023 $1,953 $51 $51 on 4/6/2023

Mar 2023 $2,004 $51 $51 on 3/10/2023

Feb 2023 $2,055 $51 $51 on 2/9/2023

Jan 2023 $2,106 $51 $51 on 1/12/2023

Dec 2022 $2,157 $51 $51 on 12/8/2022

Nov 2022 $2,208 $51 $51 on 11/10/2022

Additional info
Between Nov 2022 and Oct 2024, your credit limit/high balance was $6,050

 Contact Info
Address PO BOX 71727,
PHILADELPHIA PA 19176

Phone Number (866) 396-8254

Public Records
Information gathered from courts or other government agencies about legal matters associated
with you. The most common Public Records are bankruptcies, tax liens, and monetary judgments.

No public records reported.

Hard Inquiries
Hard inquiries are requests for your consumer information based on an action or process initiated
by you generally related to a credit or other monetary obligation, such as when you apply for credit,
rental property, or utility service, or default on a loan causing it to be sent to a collection agency.
Hard inquiries are displayed to companies that receive your consumer report and may stay on your
report at least two years.

https://usa.experian.com/acr/printReport?type=CDI 21/29
11/30/24, 6:46 AM Annual Credit Report - Experian

CAP ONE NA COMENITYCAPITAL/FAMOUS

Inquired on 11/30/2024 Inquired on 05/01/2023

PO BOX 30281 SALT LAKE CITY UT, PO BOX 182120 COLUMBUS OH, 43218
84130
Credit card. This inquiry is scheduled to
Unspecified. This inquiry is scheduled to continue on record until Jun 2025.
continue on record until Dec 2026.

Soft Inquiries
Soft inquiries are generally initiated by others, like companies making promotional offers or
lenders periodically reviewing your existing credit accounts. Soft inquiries also include checking
your own credit report or using credit monitoring services, and have no impact on your credit
score.

https://usa.experian.com/acr/printReport?type=CDI 22/29
11/30/24, 6:46 AM Annual Credit Report - Experian

AMERICAN BK OF AMER CAPITAL ONE CLARITY/SNA

EXPRESS Inquired on Inquired on P FINANCE
Inquired on 11/15/2024, 11/30/2024 Inquired on
11/07/2024, 10/17/2024, 09/04/2024
10/10/2024 an 09/20/2024, 15000
d 09/12/2024 08/15/2024 an CAPITAL ONE 1141 W 2400
d 06/21/2024 DR, S,
PO BOX RICHMOND VA SALT LAKE
981537, 1000 23238 CITY UT 84119
EL PASO TX SAMOSET DR,
79998 NEWARK DE
(602) 537- 19713
8500 (800) 421-
2110

CLARITY/SNA CLARITY/SNA COMENITY DISCOVER

P FINANCE P FINANCE SERVICING FINANCIAL
LLC LLC LLC SVCS
Inquired on Inquired on Inquired on Inquired on
09/04/2024 09/04/2024 11/20/2024 05/17/2024,
03/22/2024,
1141 W 2400 1141 W 2400 PO BOX 03/01/2024,
S, S, 182789, 02/23/2024,
SALT LAKE SALT LAKE COLUMBUS 01/19/2024,
CITY UT 84119 CITY UT 84119 OH 43218 01/12/2024,
01/05/2024 an
d 12/08/2023

PO BOX 15157,
WILMINGTON
DE 19850
(800) 347-
2683

EXPERIAN EXPERIAN EXPERIANHLT LEXISNEXIS/I

Inquired on Inquired on H NS/STATE
11/30/2024 11/30/2024 Inquired on FARM
05/27/2024 an Inquired on
475 ANTON 475 ANTON d 01/12/2024 08/05/2024
BLVD, BLVD,
COSTA MESA COSTA MESA 720 COOL 1000
CA 92626 CA 92626 SPRINGS BLVD ALDERMAN
STE 200, DR,
FRANKLIN TN ALPHARETTA
37067 GA 30005
(763) 416- (800) 456-
1030 6004
https://usa.experian.com/acr/printReport?type=CDI 23/29
11/30/24, 6:46 AM Annual Credit Report - Experian
On behalf of On behalf of
SRCHAMER/BAY STATE FARM
LOR SCOTT WH INSURANCE COM
for Legitimate for Insurance
Business Need underwriting

LN/LIBERTY MIDNIGHT SYNCHRONY WELLSFARGO

MUTUAL VELVET/DM FINANCIAL Inquired on
INSURA SERVI Inquired on 11/30/2023
Inquired on Inquired on 11/20/2024
08/07/2024 09/11/2024 PO BOX
4125 562735,
157 BERKELEY 1112 7TH AVE, WINDARD CHARLOTTE
ST, MONROE WI PLAZA, NC 28256
BOSTON MA 53566 ALPHARETTA (877) 269-
02116 (800) 549- GA 30005 6056
0367

WFBNA CARD
Inquired on
05/08/2024,
02/29/2024 an
d 01/04/2024

PO BOX 14579,
DES MOINES
IA 50306
(844) 274-
7841

Important Messages

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

Public Records Information

If your report contains public records, the Public Records section includes items from courts that
Experian may have obtained through a third party vendor, LexisNexis Risk Data Management Inc.

https://usa.experian.com/acr/printReport?type=CDI 24/29
11/30/24, 6:46 AM Annual Credit Report - Experian

You may contact them at LexisNexis Consumer Center, PO Box 105615, Atlanta, GA 30348-5108,
or visit https://experianconsumers.lexisnexis.com .

Contact Experian

Online Phone
Visit Experian.com/dispute to dispute any Monday - Friday
inaccurate information, or click the dispute 9am to 5pm
link next to the item. For FAQs and online (855) 414-6047
access to your Experian Credit Report, Fraud
Alerts, and Security Freezes, visit
Experian.com/help

Mail
Experian
PO Box 9701
Allen, TX 75013

Know Your Rights

Fair Credit Reporting Act (FCRA)

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

A Summary of Your Rights Under the Fair Credit Reporting Act.

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

You must be told if information in your file has been used against you. Anyone who uses a credit
report or another type of consumer report to deny your application for credit, insurance, or
employment — or to take another adverse action against you — must tell you, and must give you
the name, address, and phone number of the agency that provided the information.

You have the right to know what is in your file. You may request and obtain all the information
about you in the files of a consumer reporting agency (your "file disclosure"). You will be required
to provide proper identification, which may include your Social Security number. In many cases,
the disclosure will be free. You are entitled to a free file disclosure if:

a person has taken adverse action against you because of information in your credit report;
you are the victim of identity theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;

https://usa.experian.com/acr/printReport?type=CDI 25/29
11/30/24, 6:46 AM Annual Credit Report - Experian

you are on public assistance;

you are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon request from
each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See
www.consumerfinance.gov/learnmore for additional information.

You have the right to ask for a credit score. Credit scores are numerical summaries of your
creditworthiness based on information from credit bureaus. You may request a credit score from
consumer reporting agencies that create scores or distribute scores used in residential real
property loans, but you will have to pay for it. In some mortgage transactions, you will receive
credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify information in
your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the
agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable

information. Inaccurate, incomplete or unverifiable information must be removed or corrected,
usually within 30 days. However, a consumer reporting agency may continue to report information
it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a
consumer reporting agency may not report negative information that is more than seven years
old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about you
only to people with a valid need — usually to consider an application with a creditor, insurer,
employer, landlord, or other business. The FCRA specifies those with a valid need for access.

You must give your consent for reports to be provided to employers. A consumer reporting
agency may not give out information about you to your employer, or a potential employer, without
your written consent given to the employer. Written consent generally is not required in the
trucking industry. For more information, go to www.consumerfinance.gov/learnmore.

You may limit "prescreened" offers of credit and insurance you get based on information in your
credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free
phone number you can call if you choose to remove your name and address from the lists these
offers are based on. You may opt-out with the nationwide credit bureaus at 1 888 5OPTOUT (1
888 567 8688).

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user
of consumer reports or a furnisher of information to a consumer reporting agency violates the
FCRA, you may be able to sue in state or federal court.

Identity theft victims and active duty military personnel have additional rights. For more
Information, visit www.consumerfinance.gov/learnmore.

Consumers Have The Right To Obtain A Security Freeze

You have a right to place a 'security freeze' on your credit report, which will prohibit a consumer
reporting agency from releasing information in your credit report without your express
authorization. The security freeze is designed to prevent credit, loans, and services from being
approved in your name without your consent. However, you should be aware that using a security
freeze to take control over who gets access to the personal and financial information in your
https://usa.experian.com/acr/printReport?type=CDI 26/29
11/30/24, 6:46 AM Annual Credit Report - Experian

credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or
application you make regarding a new loan, credit, mortgage, or any other account involving the
extension of credit.

As an alternative to a security freeze, you have the right to place an initial or extended fraud alert
on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer's
credit file. Upon seeing a fraud alert display on a consumer's credit file, a business is required to
take steps to verify the consumer's identity before extending new credit. If you are a victim of
identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting
on behalf of the person or entity, with which you have an existing account that requests
information in your credit report for the purposes of reviewing or collecting the account.
Reviewing the account includes activities related to account maintenance, monitoring, credit line
increases, and account upgrades and enhancements.

States may enforce the FCRA, and many states have their own consumer reporting laws. In
some cases, you may have more rights under state law. For more information, contact your state
or local consumer protection agency or your state Attorney General. For more information about
your federal rights, contact:

FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:

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

https://usa.experian.com/acr/printReport?type=CDI 27/29
11/30/24, 6:46 AM Annual Credit Report - Experian

2. To the extent not included in item 1 above: a. Office of the Comptroller of

the Currency
a. National banks, federal savings associations, and Customer Assistance Group
federal branches and federal agencies of foreign banks P.O. Box 53570
Houston, TX 77052
b. State member banks, branches and agencies of
foreign banks (other than federal branches, federal b. Federal Reserve Consumer
agencies, and insured state branches of foreign banks), Help Center
commercial lending companies owned or controlled by PO Box 1200
foreign banks, and organizations operating under Minneapolis, MN 55480
section 25 or 25A of the Federal Reserve Act
c. Division of Depositor and
c. Nonmember Insured banks, Insured State Branches of Consumer Protection
Foreign Banks, and insured state savings associations National Center for Consumer
and Depositor Assistance
d. Federal Credit Unions Federal Deposit Insurance
Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106

d. National Credit Union

Administration
Office of Consumer Financial
Protection
1775 Duke Street
Alexandria, VA 22314

3. Air carriers Assistant General Counsel for

Office of Aviation Consumer
Protection
Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590

4. Creditors Subject to Surface Transportation Board Office of Public Assistance,

Governmental Affairs, and
Compliance
Surface Transportation Board
395 E Street SW
Washington, DC 20423

5. Creditors Subject to Packers and Stockyards Act Nearest Packers and

Stockyards Division Regional

https://usa.experian.com/acr/printReport?type=CDI 28/29
11/30/24, 6:46 AM Annual Credit Report - Experian

Office

6. Small Business Investment Companies Associate Administrator,

Office of Capital Access
United States Small Business
Administration
409 Third Street SW, Suite
8200
Washington, DC 20416

7. Brokers and Dealers Securities and Exchange

Commission
100 F Street NE
Washington, DC 20549

8. Federal Land Banks, Federal Land Bank Associations, Farm Credit Administration
Federal Intermediate Credit Banks, and Production 1501 Farm Credit Drive
Credit Associations McLean, VA 22102-5090

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

Notification of Rights
Notification of Rights for California Consumers
Notification of Rights for Colorado Consumers
Notification of Rights for Connecticut Consumers
Notification of Rights for Maryland Consumers
Notification of Rights for Massachusetts Consumers
Notification of Rights for Texas Consumers
Notification of Rights for Vermont Consumers
Notification of Rights for Washington Consumers

https://usa.experian.com/acr/printReport?type=CDI 29/29