Story Transcript
Annual Credit Report - Experian
4/21/23, 5:49 PM
Prepared For
MOHAMMAD KHATTAK Personal & Con3dential Date Generated Apr 21, 2023 Report Number 3217-1651-81
At a Glance 8 Accounts 0 Public Records 2 Hard Inquiries Personal Information 19 Names
28 Addresses
4 Employers
4 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
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Page 1 of 47
Annual Credit Report - Experian
MOHAMMAD KHATTAK Name ID #27279
4/21/23, 5:49 PM
MOHAMMAD KHATTAK SHAHZAD Name ID #21003
MOHAMMAD S KHATTAK
MOHAMMED KHATTAK
Name ID #18438
Name ID #28111
MOHAMMAD
MOHAMMA
MOHAMMADD
MOHAMMAD
SHAHZADKHATTAK
KHATTAK
KHATTAK
KSAPPAK
Name ID #16749
Name ID #25682
Name ID #6121
Name ID #2783
KHATTAK MOHAMMAD
MOHAMMED KHAHAK
MOHAMMED KHALTAK
Name ID #1084
Name ID #2566
Name ID #5421
MOHAMMAD SHAHZAD KHATTAK
MOHAMMAD SHAZAD
MOHAMMED SHAHZAD
MOHAMMAD KHATTAR
MOHAMMAED KHATTAK
Name ID
Name ID
Name ID
Name ID
#13842
#15739
#28478
#30056
MOHAMMED SHAZAD
MOHAMMAD SHAZAD
MOHANNAD S KHATTAK
KHATTAK
KHATTAK
Name ID #2901
Name ID #27454
Name ID #28741
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Name ID #6899
Page 2 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
Addresses
502 DEER CREEK DR PLAINSBORO NJ, 08536-
130 HAGAMAN ST PORT
8124 DORCAS ST PHILADELPH IA PA, 19152-
4358 SPRUCE AVE LANGHORNE PA, 19053-
3208
READING NJ, 07064-1111
2254
3425
Address ID #0040882061
Address ID #0039703696
Address ID #0015555804
Address ID
Single family
#0011729793 Single family
Single family
Single family
1308 CHANCELLOR
2500 KNIGHTS
3017 ORDWAY NW
5926 ERDRICK ST
CIR BENSALEM PA, 190203675
ROAD APT 1606 BENSALEM PA, 19020
DR ROANOKE VA, 240171973
PHILADELPH IA PA, 191353912
Address ID #0039479832 Single family
Address ID #0039494430 Apartment complex
Address ID #0048243128 Multifamily
4616 LEIPER ST APT12D PHILADELPH
8010 OGONTZ AVE PHILADELPH
2129 S 5TH ST PHILADELPH
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Address ID #0040514041 Single family
2129 S 5TH ST FL1 PHILADELPH Page 3 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
IA PA, 191243218
IA PA, 191501412
IA PA, 191485736
IA PA, 191485736
Address ID
Address ID
Address ID
Address ID
#0040321139 Apartment
#0040845084 Single family
#0040816180 Single family
#0253527454 Single family
2129 S 5TH ST FL2
4953 SPRUCE AV
940 E BRISTOL RD
432 FANSHAWE
PHILADELPH IA PA, 19148-
FEASTERVILL E PA, 19053
OAKFORD PA, 19053-3552
ST APT9 PHILADELPH
5736
Address ID
Address ID
IA PA, 19111-
Address ID #0271853522
#0938960627 Single family
#0340517896 Single family
Address ID
complex
Single family
4643 #0040120482 Apartment complex
431 FARSHAWE
631 FANSHAWE
432 FANSHAWE
432 FAUSHAWE
PHILADELPH IA PA, 19111
ST PHILADELPH
ST PHILADELPH
ST APT 9 PHILADELPH
Address ID
IA PA, 19111-
IA PA, 19111-
IA PA, 19111
4713
4643
Address ID
Address ID
Address ID #0847000677
#0040121168
#0040120481
Apartment
Single family
Multifamily
complex
2500 KNIGHTS 163
15914 BAGRAM
5701 WOODLAND
5701 WOODLAND
6 ROAD
APO AE,
AVE
AVE APT1
BENSALEM PA, 19020
09314
PHILADELPH IA PA, 19143-
PHILADELPH IA PA, 19143-
#0846623630 Single family
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Page 4 of 47
Annual Credit Report - Experian
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Address ID
Address ID
5915
5915
#0554141822 Single family
#0746134625 Military
Address ID
Address ID
#0548966508 Single family
#0693835597 Single family
431
5701
4616D
2129 S 5TH
FANSHAWE ST
WOODLAND AVE FL3
LEIPER ST PHILADELPH
ST APT2ND PHILADELPH
PHILADELPH IA PA, 19111-
PHILADELPH IA PA, 19143-
IA PA, 191243212
IA PA, 191485736
4607
5915
Address ID
Address ID
Address ID #0040120463
Address ID #0702244006
#0719012356 Single family
#0578779748 Single family
Single family
Single family
Year of Birth
1984
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Page 5 of 47
Annual Credit Report - Experian
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Phone Numbers
(215) 253-6612
(215) 941-2991
(267) 231-4807
Residential
Cellular
Cellular
Employers
POPEYES
MISSION
MISSION
ESSENTIAL
ESSIANTIAL PERS
MEP
Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors.
AMERICAN HERITAGE FCU
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Page 6 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
Account Info Account Name
AMERICAN HERITAGE FCU
Balance
NA
Account Number
255189XXXX
Balance Updated
Account Type
Secured Loan
Recent Payment
-
Responsibility
Individual
Monthly Payment
NA
Date Opened
11/27/2012
Original Balance
$1,000
Status
Paid, Closed/Never late.
Highest Balance
NA
Status Updated
Dec 2013
Terms
12 Months
On Record Until
Dec 2023
Payment History Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2013
CLS
2012
—
—
—
—
—
—
—
—
—
—
—
Current / Terms met
CLS Closed
Contact Info Address
2060 RED LION RD, PHILADELPHIA PA 19115
Phone Number
(215) 969-0777
AUTO TRAKK, LLC
Account Info
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Page 7 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
Account Name
AUTO TRAKK, LLC
Balance
NA
Account Number
5XXXX
Balance Updated
Account Type
Auto Lease
Recent Payment
-
Responsibility
Individual
Monthly Payment
NA
Date Opened
10/20/2017
Original Balance
$19,421
Status
Paid, Closed/Never late.
Highest Balance
NA
Status Updated
Apr 2021
Terms
42 Months
On Record Until
Apr 2031
Payment History Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021
CLS
—
—
—
—
—
—
—
—
2020
ND
ND
2019
2018
2017
—
—
—
—
—
—
—
—
—
—
—
Current / Terms met
CLS Closed ND
No data for this period
Contact Info Address
1500 SYCAMORE RD STE 200, MONTOURSVILLE PA 17754
Phone Number
(570) 329-1000
Comment
https://usa.experian.com/acr/printReport?type=CDI
Page 8 of 47
Annual Credit Report - Experian
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Current: Early termination/obligation satis3ed.
Previous: None
BANK OF AMERICA
Account Info Account Name
BANK OF AMERICA
Balance
$1,693
Account Number
440066XXXXXXXXXX
Balance Updated
04/05/2023
Account Type
Credit card
Recent Payment
-
Responsibility
Authorized user
Monthly Payment
$35
Date Opened
09/27/2021
Credit Limit
$15,000
Status
Open/Never late.
Highest Balance
$5,764
Status Updated
Apr 2023
Terms
NA
Payment History Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2023
—
—
—
—
—
—
—
—
2022
2021
—
—
—
—
—
—
—
—
—
Current / Terms met
Balance Histories Scheduled Date
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Balance
Payment
Paid Page 9 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
Mar 2023
$1,182
$35
$0 on 2/7/2023
Feb 2023
$3,498
$35
$0 on 2/1/2023
Jan 2023
$1,346
$35
$0 on 1/5/2023
Dec 2022
$1,280
$35
$0 on 11/25/2022
Nov 2022
$815
$35
$0 on 10/28/2022
Oct 2022
$537
$35
$0 on 9/22/2022
Sep 2022
$1,142
$35
$0 on 8/29/2022
Aug 2022
$2,371
$58
$0 on 7/4/2022
Jul 2022
$586
$35
$0 on 7/4/2022
Jun 2022
$608
$35
$0 on 5/30/2022
May 2022
$4,452
$73
$0 on 3/31/2022
Apr 2022
$5,425
$54
$0 on 3/31/2022
Mar 2022
$4,865
$48
$0 on 3/4/2022
Feb 2022
$4,490
$44
$0 on 1/13/2022
Jan 2022
$3,751
$37
$0 on 12/29/2021
Dec 2021
$45
$35
$0 on 11/24/2021
Nov 2021
$113
$35
$0 on 10/22/2021
Oct 2021
$59
$35
$0
Additional info Between Oct 2021 and Mar 2023, your credit limit/high balance was $15,000 https://usa.experian.com/acr/printReport?type=CDI
Page 10 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
Contact Info Address
PO BOX 982238, EL PASO TX 79998
Phone Number
(800) 421-2110
CAPITAL ONE Potentially Negative
Account Info Account Name
CAPITAL ONE
Balance
$429
Account Number
517805XXXXXXXXXX
Balance Updated
03/14/2023
Account Type
Credit card
Recent Payment
-
Responsibility
Individual
Monthly Payment
NA
Date Opened
11/26/2019
Credit Limit
$400
Status
Account charged off. $429 written off. $429 past due as of Mar 2023.
Highest Balance
$429
Terms
NA
On Record Until
Mar 2029
Status Updated
Jan 2023
Payment History
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Page 11 of 47
Annual Credit Report - Experian
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Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2023
CO
CO
CO
—
—
—
—
—
—
—
—
—
2022
30
60
90
120
150
ND
2021
2020
2019
—
—
—
—
—
—
—
—
—
—
—
Current / Terms met
30
Past due 30 days
60
Past due 60 days
90
Past due 90 days
120 Past due 120 days 150 Past due 150 days CO Charge off ND
No data for this period
Payment history guide Charge Off as of Mar 2023, Feb 2023, Jan 2023 150 days past due as of Nov 2022 120 days past due as of Oct 2022 90 days past due as of Sep 2022 60 days past due as of Aug 2022 30 days past due as of Jul 2022
Balance Histories
Date https://usa.experian.com/acr/printReport?type=CDI
Balance
Scheduled Payment
Paid Page 12 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
Feb 2023
$429
$0
$0 on 6/10/2022
Jan 2023
$429
$0
$0 on 6/10/2022
Nov 2022
$419
$25
$0 on 6/10/2022
Oct 2022
$409
$25
$0 on 6/10/2022
Sep 2022
$399
$25
$0 on 6/10/2022
Aug 2022
$391
$54
$0 on 6/10/2022
Jul 2022
$344
$51
$0 on 6/10/2022
Jun 2022
$259
$35
$0 on 6/10/2022
May 2022
$230
$25
$0 on 2/10/2022
Apr 2022
$0
$0
$0 on 2/10/2022
Mar 2022
$0
$0
$0 on 2/10/2022
Feb 2022
$0
$0
$0 on 2/10/2022
Jan 2022
$424
$25
$0 on 11/10/2021
Dec 2021
$0
$0
$0 on 11/10/2021
Nov 2021
$0
$0
$0 on 11/10/2021
Oct 2021
$251
$25
$0 on 7/17/2021
Sep 2021
$0
$0
$0 on 7/17/2021
Aug 2021
$0
$0
$0 on 7/17/2021
Jul 2021
$39
$25
$0 on 7/14/2021
Jun 2021
$0
$0
$0 on 11/18/2020
May 2021 https://usa.experian.com/acr/printReport?type=CDI
$0
$0
$0 on Page 13 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
11/18/2020 Apr 2021
$0
$0
$0 on 11/18/2020
Additional info Between Apr 2022 and Feb 2023, your credit limit/high balance was $400 Between Apr 2021 and Mar 2022, your credit limit/high balance was $300
Contact Info Address
PO BOX 31293, SALT LAKE CITY UT 84131
Phone Number
(800) 955-7070
Comment Current: Account previously in dispute - investigation complete, reported by data furnisher Account closed at credit grantor's request.
Previous: Account closed at credit grantor's request.
Invalid date, Invalid date Account previously in dispute - investigation complete, reported by data furnisher
Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date
Reinvestigation Info
https://usa.experian.com/acr/printReport?type=CDI
Page 14 of 47
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This item was updated from our processing of your dispute in Sep 2020.
COMENITYCAPITALBANK/BURLINGTON Potentially Negative
Account Info Account Name
COMENITYCAPITALBANK/ BURLINGTON
Account Number
778840XXXXXXXXXX
Account Type
Charge Card
Responsibility
Individual
Date Opened
04/12/2021
Status
Paid, Closed.
Status Updated
Dec 2022
Balance
NA
Balance Updated Recent Payment
-
Monthly Payment
NA
Credit Limit
$600
Highest Balance
$303
Terms
NA
Payment History Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2022
CLS
2021
—
—
—
30
Current / Terms met
30
Past due 30 days
CLS Closed
Payment history guide 30 days past due as of Jun 2021
Balance Histories
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Page 15 of 47
Annual Credit Report - Experian
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Date
Balance
Scheduled Payment
Jun 2022
$0
$0
$0 on 7/15/2021
May 2022
$0
$0
$0 on 7/15/2021
Apr 2022
$0
$0
$0 on 7/15/2021
Mar 2022
$0
$0
$0 on 7/15/2021
Feb 2022
$0
$0
$0 on 7/15/2021
Jan 2022
$0
$0
$0 on 7/15/2021
Dec 2021
$0
$0
$0 on 7/15/2021
Nov 2021
$0
$0
$0 on 7/15/2021
Oct 2021
$0
$0
$0 on 7/15/2021
Sep 2021
$0
$0
$0 on 7/15/2021
Aug 2021
$0
$0
$0 on 7/15/2021
Jul 2021
$0
$0
$308 on 7/15/2021
May 2021
$257
$13
$0
Apr 2021
$222
$29
$0
Paid
Additional info Between Apr 2021 and Jun 2022, your credit limit/high balance was $600
Contact Info Address
PO BOX 182120, COLUMBUS OH 43218
Comment
https://usa.experian.com/acr/printReport?type=CDI
Page 16 of 47
Annual Credit Report - Experian
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Current: Account closed at credit grantor's request.
Previous: None
Reinvestigation Info This item was updated from our processing of your dispute in Jul 2021.
FRANKLIN MINT FCU IL Potentially Negative
Account Info Account Name
FRANKLIN MINT FCU IL
Balance
$6,778
Account Number
757728XXXX
Balance Updated
03/31/2023
Account Type
Auto Loan
Recent Payment
-
Responsibility
Individual
Monthly Payment
NA
Date Opened
04/28/2020
Original Balance
$37,065
Status
Account charged off. $6,778 written off. $6,778 past due as of Mar 2023.
Highest Balance
NA
Terms
72 Months
On Record Until
Jan 2029
Status Updated
Nov 2022
Payment History
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Page 17 of 47
Annual Credit Report - Experian
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Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2023
CO
CO
CO
—
—
—
—
—
—
—
—
—
2022
30
30
60
90
120
150
180
CO
CO
2021
2020
—
—
—
Current / Terms met
30
Past due 30 days
60
Past due 60 days
90
Past due 90 days
120 Past due 120 days 150 Past due 150 days 180 Past due 180 days CO Charge off
Payment history guide Charge Off as of Nov 2022 to Mar 2023 180 days past due as of Oct 2022 150 days past due as of Sep 2022 120 days past due as of Aug 2022 90 days past due as of Jul 2022 60 days past due as of Jun 2022 30 days past due as of May 2022, Mar 2022
Balance Histories Scheduled Date
https://usa.experian.com/acr/printReport?type=CDI
Balance
Payment
Paid
Page 18 of 47
Annual Credit Report - Experian
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Feb 2023
$6,778
$0
$0 on 11/8/2022
Jan 2023
$6,778
$0
$0 on 11/8/2022
Dec 2022
$6,778
$0
$0 on 11/8/2022
Nov 2022
$6,778
$0
$19,470 on 11/8/2022
Oct 2022
$26,248
$609
$0 on 4/28/2022
Sep 2022
$26,248
$609
$0 on 4/28/2022
Aug 2022
$26,248
$609
$0 on 4/28/2022
Jul 2022
$26,248
$609
$0 on 4/28/2022
Jun 2022
$26,248
$609
$0 on 4/28/2022
May 2022
$26,248
$609
$0 on 4/28/2022
Apr 2022
$26,252
$609
$965 on 4/28/2022
Mar 2022
$26,909
$609
$0 on 3/1/2022
Feb 2022
$26,909
$609
$322 on 2/28/2022
Jan 2022
$27,100
$609
$609 on 1/28/2022
Dec 2021
$27,576
$609
$609 on 12/28/2021
Nov 2021
$28,053
$609
$609 on 11/28/2021
Oct 2021
$28,524
$609
$609 on 10/28/2021
Sep 2021
$28,998
$609
$609 on 9/28/2021
Aug 2021 https://usa.experian.com/acr/printReport?type=CDI
$29,464
$609
$609 on Page 19 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
8/28/2021 Jul 2021
$29,929
$609
$609 on 7/28/2021
Jun 2021
$30,395
$609
$609 on 6/28/2021
May 2021
$30,855
$609
$609 on 5/28/2021
Apr 2021
$31,318
$609
$609 on 4/28/2021
Additional info The original amount of this account was $37,065
Contact Info Address
5 HILLMAN DR STE 100, CHADDS FORD PA 19317
SYNCB Potentially Negative
Account Info
https://usa.experian.com/acr/printReport?type=CDI
Page 20 of 47
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Account Name
SYNCB
Balance
$6,337
Account Number
185001XXXXXXXXXX
Balance Updated
03/31/2023
Account Type
Secured Loan
Recent Payment
-
Responsibility
Individual
Monthly Payment
NA
Date Opened
06/03/2020
Original Balance
$8,190
Status
Account charged off/Never late. $7,784 written off. $6,337 past due as of Mar 2023.
Highest Balance
NA
Terms
60 Months
On Record Until
Jun 2028
Status Updated
Jan 2022
Payment History Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2023
CO
CO
CO
—
—
—
—
—
—
—
—
—
2022
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
2021
ND
ND
ND
ND
ND
ND
2020
—
—
—
—
—
—
—
ND
Current / Terms met
CO Charge off ND
No data for this period
Payment history guide Charge Off as of May 2022 to Mar 2023, Apr 2022, Mar 2022, Feb 2022, Jan 2022
Balance Histories Scheduled Date
Balance
Payment
Paid
Feb 2023
$6,337
$0
$0 on 3/21/2022
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Page 21 of 47
Annual Credit Report - Experian
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Jan 2023
$6,337
$0
$0 on 3/21/2022
Dec 2022
$6,337
$0
$0 on 3/21/2022
Nov 2022
$6,337
$0
$0 on 3/21/2022
Oct 2022
$6,337
$0
$0 on 3/21/2022
Sep 2022
$6,337
$0
$0 on 3/21/2022
Aug 2022
$6,337
$0
$0 on 3/21/2022
Jul 2022
$6,337
$0
$0 on 3/21/2022
Jun 2022
$6,337
$0
$0 on 3/21/2022
May 2022
$6,337
$0
$0 on 3/21/2022
Apr 2022
$6,337
$0
$0 on 3/21/2022
Feb 2022
$7,784
$0
$0 on 7/16/2021
Jan 2022
$7,784
$0
$0 on 7/16/2021
Dec 2021
$7,598
$207
$0 on 7/16/2021
Nov 2021
$7,459
$207
$0 on 7/16/2021
Oct 2021
$7,310
$207
$0 on 7/16/2021
Sep 2021
$7,167
$207
$0 on 7/16/2021
Aug 2021
$7,021
$207
$0 on 7/16/2021
Jul 2021
$8,035
$207
$247 on 4/12/2021
May 2021
$7,727
$207
$0 on 4/12/2021
May 2021
$7,727
$207
$247 on 4/12/2021
Additional info The original amount of this account was $8,190
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Page 22 of 47
Annual Credit Report - Experian
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Contact Info Address
PO BOX 965073, ORLANDO FL 32896
Phone Number
(866) 220-9432
Comment Current: None
Previous: Special handling - contact subscriber for additional information.
Invalid date, Invalid date, Invalid date, Invalid date
Reinvestigation Info This item was updated from our processing of your dispute in Aug 2021.
VERIZON WIRELESS Potentially Negative
Account Info
https://usa.experian.com/acr/printReport?type=CDI
Page 23 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
Account Name
VERIZON WIRELESS
Balance
$1,728
Account Number
689578XXXXXXXX
Balance Updated
03/31/2023
Account Type
Cell Phone
Recent Payment
-
Responsibility
Individual
Monthly Payment
NA
Date Opened
09/28/2021
Original Balance
NA
Status
Collection account. $1,728 past due as of Mar 2023.
Highest Balance
$1,728
Terms
1 Months
Status Updated
Dec 2022
On Record Until
May 2029
Payment History Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2023
C
C
C
—
—
—
—
—
—
—
—
—
2022
—
—
—
—
—
—
—
—
—
—
—
C
C
Collection
Payment history guide Collection as of Dec 2022 to Mar 2023
Balance Histories Scheduled Date
Balance
Payment
Paid
Feb 2023
$1,728
$0
$0
Jan 2023
$1,728
$0
$0
Dec 2022
$1,728
$0
$0
Additional info
Contact Info
https://usa.experian.com/acr/printReport?type=CDI
Page 24 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
Address
PO BOX 650051, DALLAS TX 75265
Phone Number
(800) 852-1922
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
Page 25 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
JPMCB CARD
COMENITYCAPITAL/BURLIN
Inquired on 09/14/2021
Inquired on 04/12/2021
PO BOX 15298 WILMINGTON DE,
PO BOX 182120 COLUMBUS OH,
19850
43218
Unspecibed. This inquiry is scheduled
Charge Card. This inquiry is scheduled
to continue on record until Oct 2023.
to continue on record until May 2023.
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.
CAPITAL
CAPITAL
COMENITY
CREDIT
ONE
ONE
SERVICING
KARMA
Inquired on
Inquired on
LLC
Inquired on
09/13/2022
02/09/2023
Inquired on
04/12/2023
PO BOX
15000
10/17/2022
30281, SALT LAKE
CAPITAL ONE DR,
PO BOX 182789,
, 04/08/2023
CITY UT
RICHMOND
COLUMBUS
84130
VA 23238
OH 43218
(800) 9557070 https://usa.experian.com/acr/printReport?type=CDI
, 04/05/2023 , 04/01/2023 , 03/29/2023 Page 26 of 47
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4/21/23, 5:49 PM
, 03/25/2023 , 03/22/2023 , 03/18/2023 , 03/15/2023 , 03/11/2023 , 03/08/2023 , 03/04/2023 , 03/01/2023 , 02/25/2023 , 02/22/2023 , 02/18/2023 , 02/15/2023 , 02/11/2023 , 02/08/2023 , 02/04/2023 , 02/01/2023 , 01/28/2023 , https://usa.experian.com/acr/printReport?type=CDI
Page 27 of 47
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01/25/2023 , 01/21/2023 , 01/18/2023 , 01/14/2023 , 01/11/2023 , 01/07/2023 , 01/04/2023 , 12/31/2022 , 12/28/2022 , 12/24/2022 , 12/21/2022 , 12/17/2022 , 12/14/2022 , 12/10/2022 , 12/03/2022 , 11/30/2022 , 11/26/2022 , 11/23/2022 https://usa.experian.com/acr/printReport?type=CDI
Page 28 of 47
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, 11/19/2022 , 11/16/2022 , 11/12/2022 , 11/09/2022 , 11/07/2022 , 11/02/2022 , 10/29/2022 , 10/26/2022 , 10/22/2022 , 10/19/2022 , 10/12/2022 , 10/08/2022 , 10/05/2022 , 10/01/2022 , 09/28/2022 , 09/24/2022 , 09/17/2022 , https://usa.experian.com/acr/printReport?type=CDI
Page 29 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
09/14/2022 , 09/10/2022 , 09/07/2022 , 09/03/2022 , 08/31/2022 , 08/27/2022 , 08/24/2022 , 08/20/2022 , 08/17/2022 , 08/13/2022 , 08/10/2022 , 08/06/2022 , 08/03/2022 , 07/30/2022 , 07/27/2022 , 07/23/2022 , 07/20/2022 , 07/16/2022 https://usa.experian.com/acr/printReport?type=CDI
Page 30 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
, 07/09/2022 , 07/06/2022 , 07/02/2022 , 06/29/2022 , 06/25/2022 , 06/22/2022 , 06/18/2022 , 06/15/2022 , 06/11/2022 , 06/08/2022 , 06/04/2022 , 06/01/2022 , 05/28/2022 , 05/25/2022 , 05/21/2022 , 05/18/2022 , 05/14/2022 , https://usa.experian.com/acr/printReport?type=CDI
Page 31 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
05/11/2022 , 05/07/2022 , 05/04/2022 , 04/30/2022 , 04/27/2022 and 04/23/ 2022 760 MARKET ST FL 2, SAN FRANCISCO CA 94102
CREDIT
CREDIT
EXPERIAN
EXPERIAN
KARMA INC
ONE BANK
Inquired on
Inquired on
Inquired on
Inquired on
04/21/2023
04/14/2023
07/21/2022
12/27/2022
, 05/24/2022
475 ANTON
PO BOX
PO BOX
BLVD,
9600,
98875, LAS VEGAS
COSTA MESA CA
ALLEN TX 75013
NV 89193
92626
(800) 311-
and 04/25/ 2022 760
(877) 825-
MARKET ST
3242
4769
FL 2, SAN FRANCISCO
https://usa.experian.com/acr/printReport?type=CDI
Page 32 of 47
Annual Credit Report - Experian
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CA 94102
EXPERIAN
EXPERIAN
EXPERIAN
EXPERIAN
Inquired on
Inquired on
Inquired on
Inquired on
04/14/2023
04/12/2023
09/24/2022
08/18/2022
, 04/08/2023
, 03/13/2023
475 ANTON
475 ANTON
,
,
04/07/2023
03/11/2023
BLVD, COSTA
BLVD, COSTA
,
,
MESA CA
MESA CA
04/01/2023 ,
03/09/2023 ,
92626
92626
03/11/2023
02/14/2023
,
,
03/04/2023
02/08/2023
, 02/11/2023
, 01/20/2023
,
,
01/14/2023
01/12/2023
,
,
12/31/2022 ,
01/01/2023 ,
12/03/2022
12/12/2022
,
,
11/19/2022
12/01/2022
, 10/08/2022
, 11/17/2022
,
,
09/24/2022
11/12/2022
,
,
09/10/2022 ,
11/01/2022 ,
08/27/2022
10/19/2022
,
,
https://usa.experian.com/acr/printReport?type=CDI
Page 33 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
08/16/2022
10/18/2022
,
,
08/13/2022 ,
10/12/2022 ,
08/06/2022
10/01/2022
,
,
07/25/2022
09/17/2022
, 07/15/2022
, 09/09/2022
,
,
07/02/2022
09/01/2022
,
,
06/18/2022 ,
08/25/2022 ,
05/21/2022
08/13/2022
,
,
05/07/2022
08/12/2022
, 05/05/2022
, 08/04/2022
,
,
04/24/2022
07/19/2022
and 04/23/
,
2022
07/12/2022 ,
475 ANTON BLVD, COSTA MESA CA 92626 (866) 4313471
06/18/2022 , 06/11/2022 , 06/01/2022 , 05/20/2022 , 05/12/2022 , 05/02/2022
https://usa.experian.com/acr/printReport?type=CDI
Page 34 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
and 04/26/ 2022 475 ANTON BLVD, COSTA MESA CA 92626
EXPERIAN Inquired on
EXPERIAN CREDITMA
FRANKLIN MINT FCU
FRANKLIN MINT FED
08/18/2022
TCH
Inquired on
CR UN
Inquired on
10/26/2022
Inquired on
475 ANTON BLVD, COSTA MESA CA 92626 (866) 5067894
04/21/2023 , 04/18/2023 , 04/16/2023 , 04/15/2023 , 04/14/2023 ,
5 HILLMAN
11/04/2022
DR STE 100,
and 06/15/ 2022
CHADDS
5 HILLMAN
FORD PA
DR STE 100,
19317 (610) 325-
CHADDS
5100
FORD PA 19317
04/07/2023 , 09/24/2022 , 08/18/2022 , 08/16/2022 , 08/06/2022 , https://usa.experian.com/acr/printReport?type=CDI
Page 35 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
07/25/2022 , 07/15/2022 , 05/05/2022 and 04/24/ 2022 475 ANTON BLVD # D4, COSTA MESA CA 92626
INTUIT INC
INTUIT
JPMCB BB
JPMCB
Inquired on
PAYMENT
Inquired on
CCB
02/22/2023
SOLUTIONS
04/07/2023
Inquired on
2700 COAST AVE,
Inquired on 05/17/2022
PO BOX
04/11/2023
15298,
PO BOX
MOUNTAIN
21215 BURBANK
WILMINGT ON DE
15298, WILMINGT
VIEW CA
BLVD STE
19850
ON DE
94043
100,
(800) 935-
19850
WOODLAN
9935
(800) 935-
D HILLS CA 91367
9935
(818) 4367800
JPMCB https://usa.experian.com/acr/printReport?type=CDI
LEXISNEXIS
LEXISNEXIS
LN/ALLSTA Page 36 of 47
Annual Credit Report - Experian
4/21/23, 5:49 PM
CCB Inquired on
/COMMERC IAL
/INS/STATE FARM
TE INSURANC
04/11/2023
Inquired on
Inquired on
E CO
05/24/2022
04/25/2022
Inquired on
15298,
1000
1000
WILMINGT
ALDERMAN
ALDERMAN
2775
ON DE 19850
DR, ALPHARET
DR, ALPHARET
SANDERS RD,
(800) 935-
TA GA
TA GA
NORTHBRO
9935
30005
30005
OK IL 60062
(800) 456-
(800) 456-
6004
6004
On behalf of NEXTINSURA
On behalf of STATE FARM
NCE for Insurance underwriting
INSURANCE COM for Insurance underwriting
LN/NJ MANUFACT
NATIONWID E CREDIT
ONEMAIN Inquired on
OPORTUN/ PROGRESO
URES
INC
08/22/2022
Inquired on
Inquired on
Inquired on
05/31/2022
05/26/2022
and 05/02/ 2022
PO BOX
PO BOX
02/24/2023
05/05/2022
1010,
1600
1225 W
EVANSVILL
SEAPORT
301
WASHINGT ON ST STE
E IN 47706 (844) 298-
BLVD STE 250,
SULLIVAN
301,
9773
REDWOOD
WAY,
TEMPE AZ
CITY CA
EWING NJ
85288
94063
08628
(480) 5863913
(866) 4886090
https://usa.experian.com/acr/printReport?type=CDI
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Annual Credit Report - Experian
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PAYSAFE PAYMENT
PROGRESSI VE
PUBLIC SERVICE
QUINSTREE T/GUIDE TO
PROCESSI
INSURANC
ELECTRIC
LEND
Inquired on
E
Inquired on
Inquired on
08/15/2022
Inquired on
12/22/2022
08/22/2022
and 08/08/ 2022
07/21/2022
80 PARK
950 TOWER
30721
PO BOX 6807,
PLZ, NEWARK
LN FL 6, FOSTER
RUSSELL
CLEVELAN
NJ 07102
CITY CA
RANCH RD
D OH 44101
(973) 430-
94404
STE 200,
(800) 776-
7000
WESTLAKE VILLAGE CA
4737
91362
SANTANDE
SSA
SSA
R
OPTION 19
OPTION 6
CONSUMER
Inquired on
Inquired on
USA
08/18/2022
08/18/2022
Inquired on 02/15/2023
6401
6401
SECURITY BLVD,
SECURITY BLVD,
BALTIMORE
BALTIMORE
MD 21235
MD 21235
and 06/22/ 2022 8585 N STEMMON S FWY, DALLAS TX 75247 (888) 222https://usa.experian.com/acr/printReport?type=CDI
Page 38 of 47
Annual Credit Report - Experian
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4227
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. You may contact them at LexisNexis Consumer Center, PO Box 105615, Atlanta, GA 30348-5108, or visit https://experianconsumers.lexisnexis.com .
Contact Experian
https://usa.experian.com/acr/printReport?type=CDI
Page 39 of 47
Annual Credit Report - Experian
4/21/23, 5:50 PM
Online
Phone
Mail
Visit Experian.com/dispute to dispute any inaccurate information, or click
Monday - Friday 9am to 5pm
Experian PO Box 9701
(855) 414-6047
Allen, TX 75013
the dispute link next to the item. For FAQs and online access to your Experian Credit Report, Fraud Alerts, and Security Freezes, visit Experian.com/help
Know Your Rights
Fair Credit Reporting Act (FCRA) Para información en español, visite www.consumer3nance.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 bles 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.consumer3nance.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 3le 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 https://usa.experian.com/acr/printReport?type=CDI
Page 40 of 47
Annual Credit Report - Experian
4/21/23, 5:50 PM
phone number of the agency that provided the information. You have the right to know what is in your 3le. You may request and obtain all the information about you in the bles of a consumer reporting agency (your "ble disclosure"). You will be required to provide proper identibcation, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free ble 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 ble; your ble contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerbnance.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 ble that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerbnance.gov/learnmore for an explanation of dispute procedures. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unveri3able information. Inaccurate, incomplete or unveribable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has veribed as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information https://usa.experian.com/acr/printReport?type=CDI
Page 41 of 47
Annual Credit Report - Experian
4/21/23, 5:50 PM
that is more than seven years old, or bankruptcies that are more than 10 years old. Access to your 3le 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 specibes 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.consumerbnance.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.consumerbnance.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 bnancial information in your 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. https://usa.experian.com/acr/printReport?type=CDI
Page 42 of 47
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As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit ble at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer's credit ble. Upon seeing a fraud alert display on a consumer's credit ble, 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 aoliates, 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 total assets of over $10 billion and their
a. Bureau of Consumer
aoliates.
Financial Protection
b. Such aoliates that are not banks, savings
1700 G Street NW
associations, or credit unions also should list in addition to the Bureau:
Washington, DC 20552 b. Federal Trade Commission: Consumer Response Center FCRA Washington, DC
https://usa.experian.com/acr/printReport?type=CDI
Page 43 of 47
Annual Credit Report - Experian
4/21/23, 5:50 PM
20580 (877) 382-4357
2. To the extent not included in item 1 above:
a. Ooce of the
a. National banks, federal savings associations, and
Comptroller of the Currency
federal branches and federal agencies of foreign
Customer
banks
Assistance Group 1301 McKinney
b. State member banks, branches and agencies of foreign banks (other than federal branches, federal
Street, Suite 3450 Houston, TX
agencies, and insured state branches of foreign
77010-9050
banks), commercial lending companies owned or controlled by foreign banks, and organizations
b. Federal Reserve
operating under section 25 or 25A of the Federal Reserve Act
Consumer Help Center PO Box 1200
c. Nonmember Insured banks, Insured State
Minneapolis, MN
Branches of Foreign Banks, and insured state
55480
savings associations c. FDIC Consumer d. Federal Credit Unions
Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106 d. National Credit Union Administration Ooce of Consumer Protection (OCP) Division of Consumer
https://usa.experian.com/acr/printReport?type=CDI
Page 44 of 47
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Compliance and Outreach (DCCO) 1775 Duke Street Alexandria, VA 22314
3. Air carriers
Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue SE Washington, DC 20590
4. Creditors Subject to Surface Transportation Board
Ooce of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, SW Washington, DC 20423
https://usa.experian.com/acr/printReport?type=CDI
Page 45 of 47
Annual Credit Report - Experian
5. Creditors Subject to Packers and Stockyards Act
4/21/23, 5:50 PM
Nearest Packers and Stockyards Administration area supervisor
6. Small Business Investment Companies
Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, SW, 8th Floor Washington, DC 20416
7. Brokers and Dealers
Securities and Exchange Commission 100 F St NE Washington, DC 20549
8. Federal Land Banks, Federal Land Bank
Farm Credit
Associations, Federal Intermediate Credit Banks,
Administration
and Production Credit Associations
1501 Farm Credit Drive McLean, VA 221025090
https://usa.experian.com/acr/printReport?type=CDI
Page 46 of 47
Annual Credit Report - Experian
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9. Retailers, Finance Companies, and All Other
FTC Regional
Creditors Not Listed Above
Ooce for region in which the creditor operates or Federal Trade Commission: Consumer Response Center FCRA Washington, DC 20580 (877) 382-4357
Notibcation of Rights Notibcation of Rights for California Consumers Notibcation of Rights for Colorado Consumers Notibcation of Rights for Connecticut Consumers Notibcation of Rights for Maryland Consumers Notibcation of Rights for Massachusetts Consumers Notibcation of Rights for Texas Consumers Notibcation of Rights for Vermont Consumers Notibcation of Rights for Washington Consumers
https://usa.experian.com/acr/printReport?type=CDI
Page 47 of 47
CREDIT REPORT
MOHAMMAD KHATTAK Report Confirmation 3611885066
Dear MOHAMMAD KHATTAK: Thank you for requesting your Equifax credit report. Your credit report contains information received primarily from companies which have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater accuracy by reviewing all of the enclosed material carefully. If there are items you believe to be incorrect, you may •
Initiate an investigation request via the Internet 24 hours a day, 7 days a week at: https://www.equifax.com/personal/credit-report-services/credit-dispute/
•
Please mail the dispute information to: Equifax Information Services LLC P.O. Box 740241 Atlanta, GA 30374
•
Call us at 866-349-5186
Please note, when you provide documents, including a letter, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information are the subject of your dispute. You have the right to request and obtain a copy of your credit score. To obtain a copy of your credit score, please call our automated ordering system at: 1-877-SCORE-11.
MOHAMMAD KHATTAK | Apr 21, 2023
Page 2 of 43
1. Summary Review this summary for a quick view of key information contained in your Equifax Credit Report. Report Date
Apr 21, 2023
Credit File Status
No fraud indicator on file
Alert Contacts
0 Records Found
Average Account Age
3 Years, 7 Months
Length of Credit History
10 Years, 5 Months
Accounts with Negative Information
6
Oldest Account
AMERICAN HERITAGE FEDERAL CRED (Opened Nov 27, 2012)
Most Recent Account
BANK OF AMERICA (Opened Sep 27, 2021)
Credit Accounts Your credit report includes information about activity on your credit accounts that may affect your credit score and rating. Account Type
Open
With Balance
Total Balance
Available
Credit Limit
Debt-to-Credit
Payment
Revolving
1
1
$1,182
$13,818
$15,000
8.0%
$35
Installment
0
0
Other
0
0
Total
1
1
$1,182
$13,818
$15,000
8.0%
$35
Mortgage
Other Items Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may affect your credit score and rating. Consumer Statements
0 Statements Found
Personal Information
7 Items Found
Inquiries Most Recent Inquiry
30 Inquiries Found CREDIT KARMA, INC Apr 12, 2023
Public Records
0 Records Found
Collections
0 Collections Found
MOHAMMAD KHATTAK | Apr 21, 2023
Page 3 of 43
2. Revolving Accounts Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards.
2.1 CAPITAL ONE (CLOSED) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit. Account Number
xxxxxxxxxxxx 0688
Account Status
Reported Balance
CHARGE_OFF
$429
Available Credit
Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.
Balance Year
Jan
Feb
Mar
Apr
May
Jun
2021
Jul
Aug
Sep
Oct
$251
2022
$230
Nov
Dec
$424
$429
2023
Available Credit Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021 2022 2023
Scheduled Payment Year
Jan
Feb
2021 2022
$25
$25
$25
2023
Actual Payment
MOHAMMAD KHATTAK | Apr 21, 2023
Page 4 of 43
Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021 2022 2023
High Credit Year
Jan
2021
$282
2022
$424
$424
2023
Credit Limit Year
Jan
Feb
Mar
Apr
May
Jun
2021
Jul
Aug
Sep
Oct
$300
2022
$400
Nov
Dec
$300
$400
2023
Amount Past Due Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021 2022
$429
2023
Activity Designator Year
Jan
Feb
Mar
Apr
May
2021 2022
C
2023
Comments 1 Date
Comment
07/2021
Account previously in dispute – now resolved by data furnisher
11/2021
Account previously in dispute – now resolved by data furnisher
MOHAMMAD KHATTAK | Apr 21, 2023
Page 5 of 43
Date
Comment
02/2022
Account previously in dispute – now resolved by data furnisher
06/2022
Charged off account
Comments 2 Date
Comment
05/2022
Account closed by credit grantor
Comments 3 Date
Comment
05/2022
Account previously in dispute – now resolved by data furnisher
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections. Year
Jan
Feb
2023
CO
CO
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
30
60
90
120
150
2022
Dec
2021 2020 2019 Paid on Time 150 150 Days Past Due CO Charge-Off
TN 30 30 Days Past Due
60 60 Days Past Due
90 90 Days Past Due
180 180 Days Past Due
V Voluntary Surrender
F Foreclosure
B Included in Bankruptcy
R Repossession
120 120 Days Past Due
TN Too New to Rate
C Collection Account No Data Available
Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit Credit Limit Terms Frequency Balance
Owner
INDIVIDUAL
$400
Account Type
REVOLVING
MONTHLY
Term Duration
0
$429
Date Opened
MOHAMMAD KHATTAK | Apr 21, 2023
Nov 26, 2019
Page 6 of 43
Amount Past Due
$429
Date Reported
Actual Payment Amount
Date of Last Payment
Date of Last Activity
Scheduled Payment Amount
Months Reviewed Activity Designator
39 CLOSED
Delinquency First Reported Creditor Classification
Deferred Payment Start Date
Charge Off Amount
Balloon Payment Date
Balloon Payment Amount
Loan Type Date of First Delinquency
Credit Card
Mar 14, 2023 Jun 2022
Jan 2023 UNKNOWN $429
Date Closed
Jul 2022
Comments
Contact
Charged off account
CAPITAL ONE PO BOX 31293 SALT LAKE CITY, UT 84131 1-800-955-7070
Account closed by credit grantor Account previously in dispute – now resolved by data furnisher
MOHAMMAD KHATTAK | Apr 21, 2023
Page 7 of 43
2.2 CREDIT ONE BANK (CLOSED) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit. Account Number
xxxxxxxxxxxx 4903
Account Status
Reported Balance
CHARGE_OFF
$315
Available Credit
Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.
Balance Year
Jan
Feb
Mar
2021 2022
Apr
May
Jun
$25 $171
Jul
Aug
$8
$210
Sep
Oct
Nov
Dec
$122
$315
2023
Available Credit Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$8
$30
Jul
Aug
2021 2022 2023
Scheduled Payment Year
Jan
Feb
2021 2022
$16
$30
$30
2023
Actual Payment Year 2021
Jan
Feb
Mar
Apr
May
Jun
Sep
Oct
Nov
Dec
$8
MOHAMMAD KHATTAK | Apr 21, 2023
Page 8 of 43
2022 2023
High Credit Year
Jan
Feb
Mar
2021 2022
Apr
May
Jun
$311
Jul
Aug
$311
$311
Jul
Aug
$400
$400
Sep
Oct
Nov
Dec
$311
$311
2023
Credit Limit Year
Jan
Feb
Mar
2021 2022
Apr
May
Jun
$400 $400
Sep
Oct
Nov
Dec
$400
$400
2023
Amount Past Due Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021 2022
$315
2023
Activity Designator Year
Jan
Feb
2021 2022 2023
Comments 1 Date
Comment
01/2022
Charged off account
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.
MOHAMMAD KHATTAK | Apr 21, 2023
Page 9 of 43
Year
Jan
Feb
2023
150
180
Mar
2022
Apr
May
Jun
30
60
90
Jul
Aug
Sep
Oct
Nov
Dec
30
60
90
120
2021 2020 Paid on Time 150 150 Days Past Due CO Charge-Off
30 30 30 Days Past Due
60 60 Days Past Due
90 90 Days Past Due
180 180 Days Past Due
V Voluntary Surrender
F Foreclosure
B Included in Bankruptcy
R Repossession
120 120 Days Past Due
TN Too New to Rate
C Collection Account No Data Available
Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit Credit Limit Terms Frequency
Owner
INDIVIDUAL
$400
Account Type
REVOLVING
MONTHLY
Term Duration
0
Balance
$315
Date Opened
Mar 29, 2020
Amount Past Due
$315
Date Reported
Mar 12, 2023
Actual Payment Amount
Date of Last Payment
Date of Last Activity
Scheduled Payment Amount
Months Reviewed
35
Delinquency First Reported
Activity Designator
Creditor Classification
Deferred Payment Start Date
Charge Off Amount
Balloon Payment Date
Balloon Payment Amount
Loan Type Date of First Delinquency
Credit Card
Feb 2022
Mar 2023 UNKNOWN $315
Date Closed
Sep 2022
Comments
Contact
Charged off account
CREDIT ONE BANK 6801 S. CIMARRON ROAD LAS VEGAS, NV 89113 1-877-825-3242
MOHAMMAD KHATTAK | Apr 21, 2023
Page 10 of 43
2.3 BANK OF AMERICA Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit. Account Number
xxxxxxxxxxxx 6779
Account Status
Reported Balance
PAYS_AS_AGREED
$1,182
Available Credit
Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.
Balance Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
$1,142
$537
$815
$1,280
Dec
2021 2022 2023
$1,346
$1,182
Available Credit Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$35
$35
$35
$35
Aug
Sep
Oct
Nov
2021 2022 2023
Scheduled Payment Year
Jan
Feb
2021 2022 2023
$35
$35
Actual Payment Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Dec
2021
MOHAMMAD KHATTAK | Apr 21, 2023
Page 11 of 43
2022 2023
High Credit Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
$5,764
$5,764
$5,764
$5,764
Aug
Sep
Oct
Nov
$15,000
$15,000
$15,000
$15,000
Dec
2021 2022 2023
$5,764
$5,764
Credit Limit Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Dec
2021 2022 2023
$15,000
$15,000
Amount Past Due Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021 2022 2023
Activity Designator Year
Jan
Feb
2021 2022 2023
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections. Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2023 2022
MOHAMMAD KHATTAK | Apr 21, 2023
Page 12 of 43
2021 Paid on Time 150 150 Days Past Due CO Charge-Off
30 30 Days Past Due
60 60 Days Past Due
90 90 Days Past Due
180 180 Days Past Due
V Voluntary Surrender
F Foreclosure
B Included in Bankruptcy
R Repossession
120 120 Days Past Due
TN Too New to Rate
C Collection Account No Data Available
Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit
$5,764
Credit Limit
$15,000
Account Type
REVOLVING
MONTHLY
Term Duration
0
Terms Frequency Balance
UNDESIGNATED
Date Opened
Sep 27, 2021
Amount Past Due
Date Reported
Mar 07, 2023
Actual Payment Amount
Date of Last Payment
Date of Last Activity Months Reviewed
$1,182
Owner
Mar 2023 17
Scheduled Payment Amount
Creditor Classification
Deferred Payment Start Date
Charge Off Amount
Balloon Payment Date
Balloon Payment Amount Credit Card
$35
Delinquency First Reported
Activity Designator
Loan Type
Feb 2023
UNKNOWN
Date Closed
Date of First Delinquency
Comments
Contact BANK OF AMERICA 4060 OGLETOWN/STANTON RD DE5-019-03-07 NEWARK, DE 19713 1-800-421-2110
MOHAMMAD KHATTAK | Apr 21, 2023
Page 13 of 43
2.4 COMENITYCAPITAL/BURLINGTON (CLOSED) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit. Account Number
xxxxxxxxxxxx 0265
Account Status
Reported Balance
PAYS_AS_AGREED
$0
Available Credit
Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.
Balance Year
Jan
Feb
Mar
Apr
May
Jun
2021
Jul
Aug
Sep
Oct
Nov
Dec
$0
2022 2023
Available Credit Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021 2022 2023
Scheduled Payment Year
Jan
2021 2022 2023
Actual Payment Year
Jan
2021
MOHAMMAD KHATTAK | Apr 21, 2023
Page 14 of 43
2022 2023
High Credit Year
Jan
Feb
Mar
Apr
May
Jun
2021
Jul
Aug
Sep
Oct
Nov
Dec
Aug
Sep
Oct
Nov
Dec
$303
2022 2023
Credit Limit Year
Jan
Feb
Mar
Apr
May
Jun
2021
Jul $600
2022 2023
Amount Past Due Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021 2022 2023
Activity Designator Year
Jan
Feb
2021 2022 2023
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections. Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2022 2021
30
MOHAMMAD KHATTAK | Apr 21, 2023
Page 15 of 43
Paid on Time 150 150 Days Past Due CO Charge-Off
30 30 Days Past Due
60 60 Days Past Due
90 90 Days Past Due
180 180 Days Past Due
V Voluntary Surrender
F Foreclosure
B Included in Bankruptcy
R Repossession
120 120 Days Past Due
TN Too New to Rate
C Collection Account No Data Available
Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit
$303
Owner
INDIVIDUAL
Credit Limit
$600
Account Type
REVOLVING
MONTHLY
Term Duration
0
Terms Frequency Balance
Date Opened
Apr 12, 2021
Amount Past Due
Date Reported
Dec 23, 2022
Actual Payment Amount
Date of Last Payment
Date of Last Activity Months Reviewed Activity Designator
$0
Jul 2021 20 PAID_AND_CLOSED
Scheduled Payment Amount Delinquency First Reported Creditor Classification
Deferred Payment Start Date
Charge Off Amount
Balloon Payment Date
Balloon Payment Amount
Loan Type
Charge Account
Jul 2021
UNKNOWN
Date Closed
Nov 2022
Date of First Delinquency
Comments
Contact
Account closed by credit grantor
COMENITYCAPITAL/BURLINGTON 3075 LOYALTY CIRCLE PO BOX 182120 COLUMBUS, OH 43218
MOHAMMAD KHATTAK | Apr 21, 2023
Page 16 of 43
3. Mortgage Accounts Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off. You currently do not have any Mortgage Accounts in your file.
MOHAMMAD KHATTAK | Apr 21, 2023
Page 17 of 43
4. Installment Accounts Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans.
4.1 FRANKLIN MINT FCU (CLOSED) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit. Account Number
xxxxxx 2945
Account Status
Reported Balance
CHARGE_OFF
$6,778
Available Credit
Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.
Balance Year
Jan
Feb
Mar
2021 2022
$27,100
$26,909
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$31,318
$30,855
$30,395
$29,929
$29,464
$28,998
$28,524
$28,053
$27,576
$26,909
$26,248
$6,778
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$609
$609
$609
$609
$609
$609
$609
$609
$609
2023
Available Credit Year
Jan
Feb
2021 2022 2023
Scheduled Payment Year
Jan
Feb
2021 2022
$609
$609
$609
$609
2023
Actual Payment
MOHAMMAD KHATTAK | Apr 21, 2023
Page 18 of 43
Year
Jan
Feb
Mar
2021 2022
$609
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$609
$609
$609
$609
$609
$609
$609
$609
$609
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$37,065
$37,065
$37,065
$37,065
$37,065
$37,065
$37,065
$37,065
$37,065
$322
2023
High Credit Year
Jan
Feb
Mar
2021 2022
$37,065
$37,065
$37,065
$37,065
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Oct
Nov
Dec
2023
Credit Limit Year
Jan
2021 2022 2023
Amount Past Due Year
Jan
Feb
$318
$3,828
2021 2022
$6,778
2023
Activity Designator Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
2021 2022 2023
Comments 1 Date
Comment
04/2021
Fixed rate
05/2021
Fixed rate
MOHAMMAD KHATTAK | Apr 21, 2023
Page 19 of 43
Date
Comment
06/2021
Fixed rate
07/2021
Fixed rate
08/2021
Fixed rate
09/2021
Fixed rate
10/2021
Fixed rate
11/2021
Fixed rate
12/2021
Fixed rate
01/2022
Fixed rate
02/2022
Fixed rate
03/2022
Fixed rate
04/2022
Fixed rate
11/2022
Charged off account
Comments 2 Date
Comment
01/2022
180 days or more past due
08/2022
Fixed rate
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections. Year
Jan
Feb
2023
CO
CO
2022
Mar
30
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
30
60
90
120
150
180
CO
CO
2021 2020 Paid on Time 150 150 Days Past Due CO Charge-Off
30 30 Days Past Due
60 60 Days Past Due
90 90 Days Past Due
180 180 Days Past Due
V Voluntary Surrender
F Foreclosure
B Included in Bankruptcy
R Repossession
TN Too New to Rate
MOHAMMAD KHATTAK | Apr 21, 2023
120 120 Days Past Due C Collection Account No Data Available
Page 20 of 43
Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit
Owner
Credit Limit
Account Type
INSTALLMENT
Term Duration
7
Terms Frequency
MONTHLY
INDIVIDUAL
Balance
$6,778
Date Opened
Apr 28, 2020
Amount Past Due
$6,778
Date Reported
Mar 31, 2023
Actual Payment Amount
Date of Last Payment
Date of Last Activity
Scheduled Payment Amount
Months Reviewed
35
Delinquency First Reported
Activity Designator
Creditor Classification
Deferred Payment Start Date
Charge Off Amount
Balloon Payment Date
Balloon Payment Amount
Loan Type Date of First Delinquency
Auto
Nov 2022 UNKNOWN $6,778
Date Closed
Apr 2022
Comments
Contact
Charged off account
FRANKLIN MINT FCU 2240 EDGEMONT AVE CHESTER, PA 19013 1-215-459-7000
Fixed rate
Nov 2022
MOHAMMAD KHATTAK | Apr 21, 2023
Page 21 of 43
4.2 SYNCHRONY SECURED INSTALLMENT (CLOSED) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit. Account Number
xxxxxxxxxxxx 4022
Account Status
Reported Balance
CHARGE_OFF
$6,337
Available Credit
Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.
Balance Year
Jan
Feb
Mar
2021
Apr
May
Jun
$7,883
2022
Jul
Aug
Sep
Oct
Nov
Dec
$7,784
$6,337
2023
Available Credit Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021 2022 2023
Scheduled Payment Year
Jan
Feb
2021
$207
2022 2023
Actual Payment Year
Jan
Feb
Mar
Apr
2021
MOHAMMAD KHATTAK | Apr 21, 2023
Page 22 of 43
2022 2023
High Credit Year
Jan
Feb
Mar
2021
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$8,190
2022 2023
Credit Limit Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Aug
Sep
Oct
Nov
Dec
2021 2022 2023
Amount Past Due Year
Jan
Feb
2021
$375
2022
$7,784
$6,337
2023
Activity Designator Year
Jan
Feb
Mar
Apr
May
Jun
Jul
2021 2022 2023
Comments 1 Date
Comment
06/2021
Charged off account
03/2022
Charged off account
Payment History
MOHAMMAD KHATTAK | Apr 21, 2023
Page 23 of 43
View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections. Year
Jan
Feb
2023
CO
CO
2022
CO
CO
2021
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
30
60
30
60
90
30
2020 Paid on Time 150 150 Days Past Due CO Charge-Off
30 30 30 Days Past Due
60 60 Days Past Due
90 90 Days Past Due
180 180 Days Past Due
V Voluntary Surrender
F Foreclosure
B Included in Bankruptcy
R Repossession
120 120 Days Past Due
TN Too New to Rate
C Collection Account No Data Available
Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit
Owner
Credit Limit
Account Type
INSTALLMENT
Term Duration
6
Terms Frequency
UNKNOWN
INDIVIDUAL
Balance
$6,337
Date Opened
Jun 03, 2020
Amount Past Due
$6,337
Date Reported
Mar 31, 2023
Actual Payment Amount
Date of Last Payment
Date of Last Activity
Scheduled Payment Amount
Months Reviewed
29
Delinquency First Reported
Activity Designator
Creditor Classification
Deferred Payment Start Date
Charge Off Amount
Balloon Payment Date
Balloon Payment Amount
Loan Type Date of First Delinquency
Secured
Mar 2022
May 2022 UNKNOWN $7,784
Date Closed
Sep 2021
Comments
Contact
Charged off account
SYNCHRONY SECURED INSTALLMENT PO BOX 965073 ORLANDO, FL 32896 1-866-220-9432
MOHAMMAD KHATTAK | Apr 21, 2023
Page 24 of 43
4.3 AUTOTRAKK LLC (CLOSED) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit. Account Number
xxxxx
Account Status
Reported Balance
PAYS_AS_AGREED
$0
Available Credit
Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.
Balance Year
Jan
Feb
2021
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$213
2022 2023
Available Credit Year
Jan
Feb
2021 2022 2023
Scheduled Payment Year
Jan
Feb
2021
$462
2022 2023
Actual Payment Year
Jan
Feb
Mar
2021
MOHAMMAD KHATTAK | Apr 21, 2023
Page 25 of 43
2022 2023
High Credit Year
Jan
Feb
2021
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$19,421
2022 2023
Credit Limit Year
Jan
Feb
2021 2022 2023
Amount Past Due Year
Jan
Feb
2021 2022 2023
Activity Designator Year
Jan
Feb
2021 2022 2023
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections. Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021 2020
MOHAMMAD KHATTAK | Apr 21, 2023
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2019 2018 2017 Paid on Time 150 150 Days Past Due CO Charge-Off
30 30 Days Past Due
60 60 Days Past Due
90 90 Days Past Due
180 180 Days Past Due
V Voluntary Surrender
F Foreclosure
B Included in Bankruptcy
R Repossession
120 120 Days Past Due
TN Too New to Rate
C Collection Account No Data Available
Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit
$19,421
Credit Limit Terms Frequency Balance
WEEKLY
INDIVIDUAL
Account Type
INSTALLMENT
Term Duration
4
Date Opened
Oct 20, 2017
Amount Past Due
Date Reported
Jul 06, 2021
Actual Payment Amount
Date of Last Payment
Date of Last Activity Months Reviewed Activity Designator
$0
Owner
Apr 2021 45 PAID_AND_CLOSED
Scheduled Payment Amount Delinquency First Reported Creditor Classification
Deferred Payment Start Date
Charge Off Amount
Balloon Payment Date
Balloon Payment Amount
Loan Type
Auto Lease
Apr 2021
Date Closed
UNKNOWN
Apr 2021
Date of First Delinquency
Comments
Contact
Lease - early termination
AUTOTRAKK LLC 1500 SYCAMORE ROAD STE-200 MONTOURSVILLE, PA 17754 1-570-329-1000
MOHAMMAD KHATTAK | Apr 21, 2023
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4.4 AMERICAN HERITAGE FEDERAL CRED (CLOSED) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit. Account Number Account Status
xxxxxx 0002 PAYS_AS_AGREED
Reported Balance
$0
Available Credit
The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.
Payment History You currently do not have any Payment History in your file.
Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit
$1,000
Credit Limit Terms Frequency Balance
MONTHLY $0
Amount Past Due Actual Payment Amount Date of Last Activity Months Reviewed Activity Designator
$85 Dec 2013 13 PAID_AND_CLOSED
Owner Account Type
INSTALLMENT
Term Duration
1
Date Opened
Nov 27, 2012
Date Reported
Jan 01, 2014
Date of Last Payment Scheduled Payment Amount
Creditor Classification Charge Off Amount
Balloon Payment Date
Balloon Payment Amount Secured
Dec 2013 $0
Delinquency First Reported
Deferred Payment Start Date
Loan Type
INDIVIDUAL
Date Closed
UNKNOWN
Dec 2013
Date of First Delinquency
MOHAMMAD KHATTAK | Apr 21, 2023
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Comments
Contact AMERICAN HERITAGE FEDERAL CRED 2060 RED LION RD. P.O. BOX 52458 PHILADELPHIA, PA 19115 1-215-969-0777
MOHAMMAD KHATTAK | Apr 21, 2023
Page 29 of 43
5. Other Accounts Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support obligations or rental agreements.
5.1 VERIZON WIRELESS/SOUTHEAST (CLOSED) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit. Account Number
xxxxxxxxxx 0001
Account Status
Reported Balance
COLLECTION
$1,728
Available Credit
Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.
Balance Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021 2022 2023
Available Credit Year
Jan
2021 2022 2023
Scheduled Payment Year
Jan
Feb
2021 2022 2023
MOHAMMAD KHATTAK | Apr 21, 2023
Page 30 of 43
Actual Payment Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021 2022 2023
High Credit Year
Jan
2021 2022 2023
Credit Limit Year
Jan
2021 2022 2023
Amount Past Due Year
Jan
Feb
2021 2022 2023
Activity Designator Year
Jan
Feb
2021 2022 2023
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.
MOHAMMAD KHATTAK | Apr 21, 2023
Page 31 of 43
Year
Jan
2023
TN
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2022 2021 Paid on Time 150 150 Days Past Due CO Charge-Off
30 30 Days Past Due
60 60 Days Past Due
90 90 Days Past Due
180 180 Days Past Due
V Voluntary Surrender
F Foreclosure
B Included in Bankruptcy
R Repossession
120 120 Days Past Due
TN Too New to Rate
C Collection Account No Data Available
Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit
$1,728
Credit Limit Terms Frequency
UNKNOWN
Owner
INDIVIDUAL
Account Type
OTHER
Term Duration
0
Balance
$1,728
Date Opened
Sep 28, 2021
Amount Past Due
$1,728
Date Reported
Feb 28, 2023
Actual Payment Amount
Date of Last Payment
Date of Last Activity
Scheduled Payment Amount
Months Reviewed
1
Delinquency First Reported
Activity Designator
Creditor Classification
Deferred Payment Start Date
Charge Off Amount
Balloon Payment Date
Balloon Payment Amount
Loan Type Date of First Delinquency
Telecommunication/Cellular
Dec 2022 UNKNOWN
Date Closed
Aug 2022
Comments
Contact
Collection account
VERIZON WIRELESS/SOUTHEAST P.O. BOX 26055 NAT'L RECOVERY DEPT M.S. 400 MINNEAPOLIS, MN 55426 1-800-852-1922
MOHAMMAD KHATTAK | Apr 21, 2023
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6. Consumer Statements Consumer Statements are explanations of up to 100 words you can attach to your credit file to provide more information on an item you may disagree with or would like to provide details on. Consumer statements are voluntary and have no impact on your credit score. You currently do not have any Consumer Statements in your file.
MOHAMMAD KHATTAK | Apr 21, 2023
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7. Personal Information Creditors use your personal information primarily to identify you. This information has no impact on your credit score.
Identification Identification is the information in your credit file that indicates your current identification as reported to Equifax. It does not affect your credit score or rating. Name
MOHAMMAD SHAHZAD KHATTAK
Formerly known as
MOHAMMED S KHATTAK MOHANNAD SHAZAD KHATTAK
Social Security Number
xxxxx 6033
Age or Date of Birth
May 12, 1984
Other Identification You currently do not have any Other Identifications in your file.
Alert Contact Information You currently do not have any Alert Contacts in your file.
Contact Information Contact information is the information in your credit file that indicates your former and current addresses as reported to Equifax. It does not affect your credit score or rating. Address
Status
Date Reported
130 HAGAMAN ST PORT READING, NJ 07064
Current
Apr 21, 2023
940 E BRISTOL RD FEASTERVILLE TREVOSE, PA 19053
Former
Mar 14, 2023
1308 CHANCELLOR CIR BENSALEM, PA 19020
Former
Aug 01, 2022
4358 SPRUCE AVE FEASTERVILLE TREVOSE, PA 19053
Former
Apr 03, 2023
Employment History
MOHAMMAD KHATTAK | Apr 21, 2023
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Employment history is the information in your credit file that indicates your current and former employment as reported to Equifax. It does not affect your credit score or rating. You currently do not have any Employment History in your file.
MOHAMMAD KHATTAK | Apr 21, 2023
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8. Inquiries A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and those that do not.
Hard Inquiries Inquiries that may impact your credit rating/score These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years. You currently do not have any Hard Inquiries in your file.
Soft Inquiries Inquiries that do not impact your credit rating/score These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit file. They may remain on your file for up to 2 years. Date
Company
Request Originator
Apr 12, 2023
CREDIT KARMA, INC
Direct to Consumer Report
Mar 16, 2023
CAPITAL ONE NATIONAL ASSOC
Account Review Inquiry
Dec 21, 2022
ON-SITE MANAGER
Credit Report
Dec 21, 2022
LEASINGDESK
ID Report
Nov 21, 2022
CREDIT KARMA, INC
Direct to Consumer Report
Nov 04, 2022
COMENITYBANK/COMENITYCAPITAL
Account Review Inquiry
Sep 18, 2022
CAPITAL ONE
Account Review Inquiry
Aug 19, 2022
VERIZON WIRELESS
Account Review Inquiry
Aug 01, 2022
LEXIS NEXIS METLIFE
Credit Report
Aug 01, 2022
BRISTOL WEST INSURANCE COMPANY
Insurance Inquiry
Aug 01, 2022
FARMERS INSURANCE GROUP
Insurance Inquiry
Jun 07, 2022
FORTIVA
Promotional Inquiry
Jun 07, 2022
VERIZON
Account Review Inquiry
May 05, 2022
EQUIFAX INFORMATION SVCS
Automated Consumer Interview System
Mar 23, 2022
EQUIFAX INFORMATION SVCS
Automated Consumer Interview System
Aug 06, 2021
EQUIFAX AUTO MTNC UP
Automated Consumer Interview System
Aug 06, 2021
EQUIFAX - CUSTOMER ACCTS
Automated Consumer Interview System
MOHAMMAD KHATTAK | Apr 21, 2023
Description
Page 36 of 43
Aug 04, 2021
EQUIFAX - CUSTOMER ACCTS
Automated Consumer Interview System
Jul 17, 2021
EQUIFAX INFORMATION SVCS
Automated Consumer Interview System
Jul 15, 2021
EQUIFAX AUTO MTNC UP
Automated Consumer Interview System
Jul 15, 2021
EQUIFAX - CUSTOMER ACCTS
Automated Consumer Interview System
Jul 15, 2021
EQUIFAX INFORMATION SVCS
Automated Consumer Interview System
Jul 15, 2021
EQUIFAX INFORMATION SVCS
Automated Consumer Interview System
Jun 24, 2021
EQUIFAX - CUSTOMER ACCTS
Automated Consumer Interview System
May 31, 2021
EQUIFAX AUTO MTNC UP
Automated Consumer Interview System
May 31, 2021
EQUIFAX - CUSTOMER ACCTS
Automated Consumer Interview System
May 24, 2021
EQUIFAX - CUSTOMER ACCTS
Automated Consumer Interview System
May 22, 2021
EQUIFAX AUTO MTNC UP
Automated Consumer Interview System
May 22, 2021
EQUIFAX - CUSTOMER ACCTS
Automated Consumer Interview System
Apr 24, 2021
EQUIFAX - CUSTOMER ACCTS
Automated Consumer Interview System
MOHAMMAD KHATTAK | Apr 21, 2023
Page 37 of 43
9. Public Records This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, LexisNexis. They can be contacted at: https://equifaxconsumers.lexisnexis.com LexisNexis Consumer Center P.O. Box 105615 Atlanta, GA 30348-5108
Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. You currently do not have any Bankruptcies in your file.
Judgments Judgments are a legal status granted by a court that indicates you must pay back an outstanding debt. Judgments stay on your credit report up to 7 years from the date filed and generally have a negative impact on your credit score. You currently do not have any Judgments in your file.
Liens A lien is a legal claim on an asset, and Equifax only collects tax related liens. Liens stay on your credit report up to 10 years and generally have a negative impact on your credit score. You currently do not have any Liens in your file.
MOHAMMAD KHATTAK | Apr 21, 2023
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10. Collections Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score. You currently do not have any Collections in your file.
MOHAMMAD KHATTAK | Apr 21, 2023
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11. 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 in 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.equifax.com/personal/credit-report-services/credit-dispute/ To check the status or view the results of your dispute please visit https://www.equifax.com/personal/credit-report-services/creditdispute/
MOHAMMAD KHATTAK | Apr 21, 2023
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Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
12. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.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: o
a person has taken adverse action against you because of information in your credit report;
o
you are the victim of identity theft and place a fraud alert in your file;
o
your file contains inaccurate information as a result of fraud;
o
you are on public assistance;
o
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 credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
•
You have the right to dispute incomplete or inaccurate information.If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
•
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 form the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
MOHAMMAD KHATTAK | Apr 21, 2023
Page 41 of 43
•
The following FCRA right applies with respect to nationwide consumer reporting agencies:
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 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. •
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, 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 (see next page):
MOHAMMAD KHATTAK | Apr 21, 2023
Page 42 of 43
TYPE OF BUSINESS:
CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates
a.Consumer Financial Protection Bureau 1700 G Street, N.W.Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB:
b.Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357
2.To the extent not included in item 1 above: a.National banks, federal savings associations, and federal branches and federal agencies of foreign banks
a.Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050
b.State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act. c.Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations d.Federal Credit Unions
b.Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN 55480
c.FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106 d.National Credit Union Administration Office of Consumer Financial Protection (OCFP) Division of Consumer Compliance Policy and Outreach 1775 Duke Street Alexandria, VA 22314
3.Air carriers
Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20590
4.Creditors Subject to the Surface Transportation Board
Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC 20423
5.Creditors Subject to the Packers and Stockyards Act, 1921
Nearest Packers and Stockyards Administration area supervisor
6.Small Business Investment Companies
Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, S.W., Suite 8200 Washington, DC 20416
7.Brokers and Dealers
Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549
8.Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations
Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090
9.Retailers, Finance Companies, and All Other Creditors Not Listed Above
Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357
MOHAMMAD KHATTAK | Apr 21, 2023
Page 43 of 43
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
Personal Credit Report for:
MOHAMMAD MOHAMMAD KHATTAK KHATTAK
File Number:
415163568 415163568
Date Created:
04/21/2023 04/21/2023
Visit transunion.com/dispute to start a dispute online.
Personal Information You have been on our files since 08/07/2004. Your SSN has been masked for your protection. Credit Report Date 04/21/2023 Social Security Number XXX-XX-6033 Date of Birth 05/12/1984 Name MOHAMMAD SHAHZAD KHATTAK
Also Known As AKA MOHAMMAD KHATTAK SHAHZAD AKA MOHAMMED S. KHATTAK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 1 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
AKA MOHANNAD SHAZAD KHATTAK
Addresses Current Address 130 HAGAMAN ST PORT READING, NJ 07064-1111 Date Reported 05/31/2022 Other Address 4358 SPRUCE AVE FEASTERVILLE TREVOSE, PA 19053-3425 Date Reported 03/03/2020 Other Address 5926 ERDRICK ST PHILADELPHIA, PA 19135-3912 Date Reported 12/01/2012 Other Address 432 FANSHAWE ST APT 9 PHILADELPHIA, PA 19111-4643 Date Reported 02/16/2017 Other Address 2500 KNIGHTS RD APT 24 BENSALEM, PA 19020-3412 Date Reported 11/15/2016 Other Address 3017 ORDWAY DR NW ROANOKE, VA 24017-1973 Date Reported 01/03/2016 Other Address 8124 DORCAS ST PHILADELPHIA, PA 19152-2254 Date Reported https://annualcreditreport.transunion.com/dss/disclosure.page
Page 2 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
03/08/2015 Other Address 1308 CHANCELLOR CIR BENSALEM, PA 19020-3675 Date Reported 10/12/2018 Other Address 502 DEER CREEK DR PLAINSBORO, NJ 08536-3208 Date Reported 04/07/2023 Other Address 940 E BRISTOL RD FEASTERVILLE TREVOSE, PA 19053-3552 Date Reported 08/11/2022
Phone Numbers Phone Number (267) 444-2446 Phone Number (267) 231-4807 Phone Number (267) 269-1090 Phone Number (267) 269-4109 Phone Number (215) 941-2991 Phone Number (267) 368-8959 Phone Number (215) 253-6612 Phone Number (267) 888-1406 https://annualcreditreport.transunion.com/dss/disclosure.page
Page 3 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
Phone Number (267) 868-5718 Phone Number (215) 847-9936 Phone Number (215) 330-0404 Phone Number (215) 269-4109
Employers Employer NUGEN
Occupation SUOERVISOR
Date Verified 04/23/2020
DEPT OF DEFENCE
Occupation LINGUIST
Date Verified 06/17/2011
MISSSION ESSIENTIAL PERSO
Occupation INTELLIGENCES
Date Verified 06/15/2011
MEP
Occupation LANGUIST
Date Hired 12/01/2008
Date Verified 06/08/2011
POPEYES
Occupation GENREL MANEGER
Date Verified 07/16/2008
CROWN FRIED CHICKEN
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 4 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
Date Verified 06/13/2006 CROWN REST
Date Verified 10/20/2005
Accounts 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 rating key is provided to help you understand some of the account information that could be reported. Pay Status represents the current status of accounts and indicates how you are currently paying. For accounts that have been paid and closed, sold, or transferred, Pay Status represents the last reported status of the account.
Payment/Remarks Key
Ratings OK
Current, paying or paid as agreed
N/R
Not Reported
X
Unknown
30
Account 30 days late
60
Account 60 days late
90
Account 90 days late
120
Account 120 or more days late
COL
Transferred to collection
VS
Voluntarily surrendered
RPO
Repossession
C/O
Charged off by account provider
FC
Foreclosure
Remarks AAP: Loan assumed by another party https://annualcreditreport.transunion.com/dss/disclosure.page
Page 5 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
ACQ: Acquired from another lender ACR: Account closed due to refinance ACT: Account closed due to transfer AFR: Account acquired by RTC/FDIC AID: Account information disputed by consumer AJP: Adjustment pending AMD: Active military duty AND: Affected by natural disaster BAL: Balloon payment BKL: Included in bankruptcy BKW: Bankruptcy withdrawn CAD: Dispute account/closed by consumer CBC: Account closed by consumer CBD: Dispute resolved/consumer disagrees/closed by consumer CBG: Canceled by credit grantor CBL: Chapter 7 bankruptcy CBR: Chapter 11 bankruptcy CBT: Chapter 12 bankruptcy CLA: Placed for collection CLO: Closed CLS: Credit line suspended CRB: Collateral released—balance owing CTR: Account closed—transfer to refinance CTS: Contact subscriber DDR: -noneDLU: Deed in lieu DM: Bankruptcy dismissed DRC: Dispute resolved/consumer disagrees DRG: Dispute resolved reported by credit grantor ER: Election of remedy ETB: Early termination/balance owing ETI: Early termination by default ETO: Early termination/obligation settled ETS: Early termination/status pending FCL: Foreclosure FPD: Account paid, foreclosure started FPI: Foreclosure initiated https://annualcreditreport.transunion.com/dss/disclosure.page
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View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
FRD: Foreclosure collateral sold FTB: Full termination/balance owing FTO: Full termination/obligation satisfied FTS: Full termination/status pending INA: Inactive account INP: Debt being paid through insurance INS: Paid by insurance IRB: Involuntary repossession/balance owing IRE: Involuntary repossession IRO: Involuntary repossession/obligation satisfied JUG: Judgment granted LA: Lease assumption LMN: Loan Modified Not GOVT (government) LNA: Credit line is no longer available MCC: Managed by credit counseling service MOV: No forwarding address NIR: Student loan not in repayment NPA: Now paying PAL: Purchase by another lender PCL: Paid collection PDD: Paid by dealer PDE: Payment deferred PDI: Principle deferred/initial payment only PFC: Account paid from collateral PLL: Prepaid lease PLP: Profit and loss now paying PNR: First payment never received PPA: Paying partial payment agreement PPD: Paid by co-maker PPL: Paid profit and loss PRD: Payroll deduction PRL: Profit and loss write-off PWG: Account payment, wage garnish REA: Reaffirmation of debt REP: Substitute/replacement account RFN: Refinanced RPD: Paid repossession https://annualcreditreport.transunion.com/dss/disclosure.page
Page 7 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
RPO: Repossession RRE: Repossession redeemed RVN: Returned voluntarily RVR: Returned voluntarily/redeemed SET: Settled—less than full balance SGL: Government secured guaranteed SIL: Simple interest loan SLP: Student loan perm assign government SPL: Single payment loan STL: Credit card lost/stolen TRF: Transfer TRL: Transferred to another lender TTR: Transferred to recovery WEP: Chapter 13 bankruptcy For account information other than payment history, we may show brackets > < to indicate information that may negatively affect your credit health.
Accounts with Adverse Information 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 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. Account Name CAPITAL ONE517805867332****
Account Information Address Phone Date Opened Responsibility
https://annualcreditreport.transunion.com/dss/disclosure.page
P O Box 31293 Salt Lake City, UT 84131 (800) 955-7070 11/26/2019 Individual Account
Page 8 of 51
View Your Report | TransUnion Credit Report
Account Type Loan Type Balance
4/21/23, 5:52 PM
Revolving Account CREDIT CARD $429
Date Updated
03/14/2023
Last Payment Made
06/10/2022
Pay Status
>Charge-off<
Terms
Paid Monthly
Date Closed
12/17/2022
High Balance (Hist.)
High balance of $282 from 11/2020 to 12/2021; $424 from 01/2022 to 11/2022; $429 from 01/2023 to 03/2023
Credit Limit (Hist.)
Credit limit of $300 from 11/2020 to 03/2022; $400 from 04/2022 to 11/2022; $400 from 01/2023 to 03/2023
Estimated month and year this item will be removed
11/2027
Payment History
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 9 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
December 2019
January 2020
February 2020
March 2020
April 2020
May 2020
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Remarks DRG
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
June 2020
July 2020
August 2020
September 2020
October 2020
November 2020
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance $0
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due $0
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 10 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
December 2020
January 2021
February 2021
March 2021
April 2021
May 2021
Balance $0
Balance $0
Balance $0
Balance $0
Balance $0
Balance $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
June 2021
July 2021
August 2021
September 2021
October 2021
November 2021
Balance $0
Balance $39
Balance $0
Balance $0
Balance $251
Balance $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Scheduled Payment ---
Scheduled Payment $25
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment $25
Scheduled Payment ---
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 11 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
December 2021
January 2022
February 2022
March 2022
April 2022
May 2022
Balance $0
Balance $424
Balance $0
Balance $0
Balance $0
Balance $230
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Scheduled Payment ---
Scheduled Payment $25
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment $25
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Remarks DRG
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
June 2022
July 2022
August 2022
September 2022
October 2022
November 2022
Balance $259
Balance $344
Balance $391
Balance $399
Balance $409
Balance $419
Past Due $0
Past Due $25
Past Due $60
Past Due $111
Past Due $165
Past Due $190
Scheduled Payment $35
Scheduled Payment $51
Scheduled Payment $54
Scheduled Payment $25
Scheduled Payment $25
Scheduled Payment $25
Remarks ---
Remarks ---
Remarks PRL<
Remarks DRG/CBG/>
Remarks ---
Remarks PRL<
Rating
Rating
Rating
Rating
Rating
Rating
OK
30
60
90
120
120
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 12 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
December 2022
January 2023
February 2023
March 2023
Balance ---
Balance $429
Balance $429
Balance $429
Past Due ---
Past Due $429
Past Due $429
Past Due $429
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Remarks DRG/CBG/>
Remarks ---
Remarks PRL<
Remarks DRG/CBG/>
Rating
Rating
Rating
Rating
N/R
C/O
C/O
C/O
Total
COMENITYCAPITALBANK/BURLINGTON778840132329****
Account Information Address Phone Date Opened
3095 LOYALTY CIRCLE,BUILDING A COLUMBUS, OH 43219 Phone number not available 04/12/2021
Responsibility
Individual Account
Account Type
Revolving Account
Loan Type
CHARGE ACCOUNT
Balance Date Updated
https://annualcreditreport.transunion.com/dss/disclosure.page
12/23/2022
Page 13 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
Payment Received Last Payment Made
07/15/2021
Pay Status
Paid, Closed; was Paid as agreed
Terms
Paid Monthly
Date Closed
11/04/2022
Date Paid
07/15/2021
High Balance (Hist.)
High balance of $303 from 08/2021 to 04/2022; $303 from 06/2022 to 06/2022; $303 from 12/2022 to 12/2022
Credit Limit (Hist.)
Credit limit of $600 from 08/2021 to 04/2022; $600 from 06/2022 to 06/2022; $600 from 12/2022 to 12/2022
Remarks
CLOSED BY CREDIT GRANTOR; CLOSED
Payment History
May 2021
June 2021
July 2021
August 2021
September 2021
October 2021
Balance ---
Balance ---
Balance ---
Balance $0
Balance $0
Balance $0
Past Due ---
Past Due ---
Past Due ---
Past Due $0
Past Due $0
Past Due $0
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid $0
Amount Paid $0
Amount Paid $0
Rating
Rating
Rating
Rating
Rating
Rating
OK
30
OK
OK
OK
OK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 14 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
November 2021
December 2021
January 2022
February 2022
March 2022
April 2022
Balance $0
Balance $0
Balance $0
Balance $0
Balance $0
Balance $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Amount Paid $0
Amount Paid $0
Amount Paid $0
Amount Paid $0
Amount Paid $0
Amount Paid $0
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
May 2022
June 2022
July 2022
August 2022
September 2022
October 2022
Balance ---
Balance $0
Balance ---
Balance ---
Balance ---
Balance ---
Past Due ---
Past Due $0
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Amount Paid ---
Amount Paid $0
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 15 of 51
View Your Report | TransUnion Credit Report
November 2022
December 2022
Balance ---
Balance $0
Past Due ---
Past Due $0
Amount Paid ---
Amount Paid $0
Rating
Rating
OK
OK
4/21/23, 5:52 PM
Total
FRANKLIN MINT FCU757728****
Account Information Address Phone
5 Hillman Dr,STE 100 Chadds Ford, PA 19317 (310) 325-5100
Monthly Payment Date Opened
04/28/2020
Responsibility
Individual Account
Account Type
Installment Account
Loan Type Balance Date Updated
AUTOMOBILE $6,778 03/31/2023
Payment Received
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 16 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
Last Payment Made
11/08/2022
Pay Status
>Charge-off<
Terms
$0 per month, paid Monthly for 72 months
Date Closed
11/30/2022 High balance of $37,065 from 10/2020 to 08/2022; $37,065 from 10/2022 to 03/2023
High Balance (Hist.) Estimated month and year this item will be removed
04/2029
Payment History
April 2020
May 2020
June 2020
July 2020
August 2020
September 2020
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 17 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
October 2020
November 2020
December 2020
January 2021
February 2021
March 2021
Balance $34,038
Balance $33,593
Balance $33,141
Balance $32,692
Balance $32,241
Balance $31,773
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Amount Paid $609
Amount Paid $609
Amount Paid $609
Amount Paid $609
Amount Paid $609
Amount Paid $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
April 2021
May 2021
June 2021
July 2021
August 2021
September 2021
Balance $31,318
Balance $30,855
Balance $30,395
Balance $29,929
Balance $29,464
Balance $28,998
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Amount Paid $609
Amount Paid $609
Amount Paid $609
Amount Paid $609
Amount Paid $609
Amount Paid $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 18 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
October 2021
November 2021
December 2021
January 2022
February 2022
March 2022
Balance $28,524
Balance $28,053
Balance $27,576
Balance $27,100
Balance $26,909
Balance $26,909
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $318
Amount Paid $609
Amount Paid $609
Amount Paid $609
Amount Paid $609
Amount Paid $322
Amount Paid $0
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Remarks PRL<
Remarks >
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
30
April 2022
May 2022
June 2022
July 2022
August 2022
September 2022
Balance $26,252
Balance $26,248
Balance $26,248
Balance $26,248
Balance $26,248
Balance ---
Past Due $0
Past Due $631
Past Due $1,271
Past Due $1,910
Past Due $2,550
Past Due ---
Amount Paid $965
Amount Paid $0
Amount Paid $0
Amount Paid $0
Amount Paid $0
Amount Paid ---
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment $609
Scheduled Payment ---
Remarks ---
Remarks PRL<
Remarks >
Remarks ---
Remarks PRL<
Remarks >
Rating
Rating
Rating
Rating
Rating
Rating
OK
30
60
90
120
120
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 19 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
October 2022
November 2022
December 2022
January 2023
February 2023
March 2023
Balance $26,248
Balance $6,778
Balance $6,778
Balance $6,778
Balance $6,778
Balance $6,778
Past Due $3,828
Past Due $6,778
Past Due $6,778
Past Due $6,778
Past Due $6,778
Past Due $6,778
Amount Paid $0
Amount Paid $19,470
Amount Paid $0
Amount Paid $0
Amount Paid $0
Amount Paid $0
Scheduled Payment $609
Scheduled Payment $0
Scheduled Payment $0
Scheduled Payment $0
Scheduled Payment $0
Scheduled Payment $0
Remarks ---
Remarks PRL<
Remarks >
Remarks ---
Remarks PRL<
Remarks >
Rating
Rating
Rating
Rating
Rating
Rating
120
C/O
C/O
C/O
C/O
C/O
Total
SYNCHRONY SECURED INSTALLMENT185001000012****
Account Information Address Phone
PO BOX 965073 ORLANDO, FL 32896 (866) 220-9432
Monthly Payment Date Opened
06/03/2020
Responsibility
Individual Account
Account Type
Installment Account
Loan Type
https://annualcreditreport.transunion.com/dss/disclosure.page
SECURED
Page 20 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
Balance
$6,337
Date Updated
03/31/2023
Payment Received Last Payment Made
03/21/2022
Pay Status
>Charge-off<
Terms
$0 per month, paid Monthly for 60 months
Date Closed
06/30/2022
High Balance (Hist.)
High balance of $8,190 from 07/2022 to 03/2023
Estimated month and year this item will be removed
08/2028
Payment History
August 2020
September 2020
October 2020
November 2020
December 2020
January 2021
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Remarks ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
X
OK
OK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 21 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
February 2021
March 2021
April 2021
May 2021
June 2021
July 2021
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Remarks PRL<
Remarks >
Remarks ---
Remarks PRL<
Remarks >
Remarks ---
Rating
Rating
Rating
Rating
Rating
Rating
X
OK
OK
X
X
OK
August 2021
September 2021
October 2021
November 2021
December 2021
January 2022
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Remarks PRL<
Remarks >
Remarks ---
Remarks PRL<
Remarks >
Remarks ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
X
X
X
X
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 22 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
February 2022
March 2022
April 2022
May 2022
June 2022
July 2022
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance $6,337
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due $6,337
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid $0
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment $0
Remarks PRL<
Remarks >
Remarks ---
Remarks PRL<
Remarks >
Remarks ---
Rating
Rating
Rating
Rating
Rating
Rating
X
X
X
X
X
C/O
August 2022
September 2022
October 2022
November 2022
December 2022
January 2023
Balance $6,337
Balance $6,337
Balance $6,337
Balance $6,337
Balance $6,337
Balance $6,337
Past Due $6,337
Past Due $6,337
Past Due $6,337
Past Due $6,337
Past Due $6,337
Past Due $6,337
Amount Paid $0
Amount Paid $0
Amount Paid $0
Amount Paid $0
Amount Paid $0
Amount Paid $0
Scheduled Payment $0
Scheduled Payment $0
Scheduled Payment $0
Scheduled Payment $0
Scheduled Payment $0
Scheduled Payment $0
Remarks PRL<
Remarks >
Remarks ---
Remarks PRL<
Remarks >
Remarks ---
Rating
Rating
Rating
Rating
Rating
Rating
C/O
C/O
C/O
C/O
C/O
C/O
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 23 of 51
View Your Report | TransUnion Credit Report
February 2023
March 2023
Balance $6,337
Balance $6,337
Past Due $6,337
Past Due $6,337
Amount Paid $0
Amount Paid $0
Scheduled Payment $0
Scheduled Payment $0
Remarks PRL<
Remarks >
Rating
Rating
C/O
C/O
4/21/23, 5:52 PM
VERIZON WIRELESS6895783900****
Account Information Address Phone Date Opened
PO BOX 650051 DALLAS, TX 75265 (800) 852-1922 09/28/2021
Responsibility
Individual Account
Account Type
Open Account
Loan Type Balance
https://annualcreditreport.transunion.com/dss/disclosure.page
TELECOMMUNICATIONS/CELLULAR $1,728
Page 24 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
Date Updated
03/31/2023
Payment Received High Balance
$1,728
Past Due
$1,728
Pay Status
>Collection<
Date Closed
12/31/2022
Estimated month and year this item will be removed
07/2029
Remarks
PLACED FOR COLLECTION
Payment History
October 2021
November 2021
December 2021
January 2022
February 2022
March 2022
Rating
Rating
Rating
Rating
Rating
Rating
X
X
X
X
X
X
April 2022
May 2022
June 2022
July 2022
August 2022
September 2022
Rating
Rating
Rating
Rating
Rating
Rating
X
X
X
X
X
X
October 2022
November 2022
December 2022
January 2023
February 2023
Rating
Rating
Rating
Rating
Rating
X
X
X
X
X
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 25 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
Satisfactory Accounts 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. Account Name AMERICAN HERITAGE FCU255189****
Account Information Address Phone
3110 GRANT AVENUE PHILADELPHIA, PA 19114 (800) 342-0008
Monthly Payment Date Opened
11/27/2012
Responsibility
Individual Account
Account Type
Installment Account
Loan Type
SECURED
Balance Date Updated Payment Received Last Payment Made High Balance Pay Status
https://annualcreditreport.transunion.com/dss/disclosure.page
12/11/2013 $85 12/11/2013 $1,000 Paid, Closed; was Paid as agreed
Page 26 of 51
View Your Report | TransUnion Credit Report
4/21/23, 5:52 PM
Terms
$0 per month, paid Monthly for 12 months
Date Closed
12/11/2013
Remarks
CLOSED
Payment History
December 2012
January 2013
February 2013
March 2013
April 2013
May 2013
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
June 2013
July 2013
August 2013
September 2013
October 2013
November 2013
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
AUTOTRAKK LLC567**
Account Information Address Phone
342 FAIRIELD ROAD MONTOURSVILLE, PA 17754 (570) 329-1000
Monthly Payment Date Opened
10/20/2017
Responsibility
Individual Account
Account Type
Installment Account
Loan Type
https://annualcreditreport.transunion.com/dss/disclosure.page
AUTO LEASE
Page 27 of 51
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4/21/23, 5:52 PM
Balance Date Updated
04/30/2021
Payment Received Last Payment Made
04/30/2021
Pay Status
Paid, Closed; was Paid as agreed
Terms
$0 per month, paid Weekly for 42 months
Date Closed
04/30/2021
High Balance (Hist.)
High balance of $19,421 from 11/2020 to 04/2021
Remarks
EARLY TERMINATION/OBLIG SATIS; CLOSED
Payment History
January January 2018 2018
February February 2018 2018
March March 2018 2018
April April 2018 2018
May May 2018 2018
June June 2018 2018
Balance ---
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Amount Paid ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 28 of 51
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4/21/23, 5:52 PM
July July 2018 2018
August August 2018 2018
September September 2018 2018
October October 2018 2018
November November 2018 2018
December December 2018 2018
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Past Due ---
Past Due ---
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Past Due ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
January January 2019 2019
February February 2019 2019
March March 2019 2019
April April 2019 2019
May May 2019 2019
June June 2019 2019
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 29 of 51
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4/21/23, 5:52 PM
July July 2019 2019
August August 2019 2019
September September 2019 2019
October October 2019 2019
November November 2019 2019
December December 2019 2019
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
January January 2020 2020
February February 2020 2020
March March 2020 2020
April April 2020 2020
May May 2020 2020
June June 2020 2020
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 30 of 51
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4/21/23, 5:52 PM
July July 2020 2020
August August 2020 2020
September September 2020 2020
October October 2020 2020
November November 2020 2020
December December 2020 2020
Balance ---
Balance ---
Balance ---
Balance ---
Balance $2,561
Balance $2,027
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due $0
Past Due $0
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid ---
Amount Paid $0
Amount Paid $0
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment $462
Scheduled Payment $462
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
N/R
OK
OK
January January 2021 2021
February February 2021 2021
March March 2021 2021
April April 2021 2021
Balance $1,600
Balance $1,173
Balance $746
Balance $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Amount Paid $0
Amount Paid $0
Amount Paid $0
Amount Paid $0
Scheduled Payment $462
Scheduled Payment $462
Scheduled Payment $462
Scheduled Payment $0
Rating
Rating
Rating
Rating
OK
OK
OK
OK
Total
BANK OF AMERICA440066075833****
Account Information Address
https://annualcreditreport.transunion.com/dss/disclosure.page
PO BOX 982238 EL PASO, TX 79998-2235
Page 31 of 51
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Phone Monthly Payment Date Opened
4/21/23, 5:52 PM
(800) 421-2110 $35 09/27/2021
Responsibility
Authorized Account
Account Type
Revolving Account
Loan Type Balance
CREDIT CARD $1,693
Date Updated
04/07/2023
Last Payment Made
04/05/2023
Pay Status Terms
Current; Paid or Paying as Agreed $35 per month; paid Monthly
High Balance (Hist.)
High balance of $5,764 from 09/2022 to 04/2023
Credit Limit (Hist.)
Credit limit of $15,000 from 09/2022 to 04/2023
Payment History
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 32 of 51
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4/21/23, 5:52 PM
October October 2021 2021
November November 2021 2021
December December 2021 2021
January January 2022 2022
February February 2022 2022
March March 2022 2022
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
April April 2022 2022
May May 2022 2022
June June 2022 2022
July July 2022 2022
August August 2022 2022
September September 2022 2022
Balance ---
Balance ---
Balance ---
Balance ---
Balance ---
Balance $1,142
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due ---
Past Due $0
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment ---
Scheduled Payment $35
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 33 of 51
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4/21/23, 5:52 PM
October October 2022 2022
November November 2022 2022
December December 2022 2022
January January 2023 2023
February February 2023 2023
March March 2023 2023
Balance $537
Balance $815
Balance $1,280
Balance $1,346
Balance $3,498
Balance $1,182
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Past Due $0
Scheduled Payment $35
Scheduled Payment $35
Scheduled Payment $35
Scheduled Payment $35
Scheduled Payment $35
Scheduled Payment $35
Rating
Rating
Rating
Rating
Rating
Rating
OK
OK
OK
OK
OK
OK
April April 2023 2023 Balance $1,693 Past Due $0 Scheduled Payment $35 Rating OK
Inquiries Regular Inquiries 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. Name
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 34 of 51
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4/21/23, 5:52 PM
JPMCB CARD SERVICES
Location PO BOX 15077 WILMINGTON, DE 19850
Requested On 09/14/2021
Phone (800) 453-9719
Inquiry Type Individual
Promotional Inquiries 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. Name TRANSUNION INTERACTIVE / CREDIT SESAME
Location 607 WEST DANA ST, SAN JOSE, CA 95120
Requested On 04/12/2023, 03/16/2023, 03/10/2023, 02/10/2023, 01/22/2023, 12/30/2022, 12/15/2022, 12/03/2022, 10/02/2022, 09/23/2022, 09/09/2022, 08/24/2022, 08/14/2022, 07/21/2022, 07/14/2022, 07/03/2022, 07/02/2022, 06/03/2022, 05/13/2022, 05/03/2022
Phone (855) 799-9111
Requested On 04/12/2023, 03/16/2023, 03/10/2023, 02/10/2023, 01/22/2023, 12/30/2022, 12/15/2022, 12/03/2022, 10/02/2022, 09/23/2022, 09/09/2022, 08/24/2022, 08/14/2022, 07/21/2022, 07/14/2022, 07/03/2022, 07/02/2022, 06/03/2022, 05/13/2022, 05/03/2022
Phone (805) 782-8282
Requested On 08/26/2022, 08/16/2022, 07/26/2022, 06/26/2022, 04/26/2022
Phone (800) 232-6600
TRANSUNION CONSUMER INTE
Location 100 CROSS STREET SAN LUIS OBISP, CA 93401
NEW JERSEY MANUFACTURER
Location 301 SULLIVAN WAY WEST TRENTON, NJ 08628
https://annualcreditreport.transunion.com/dss/disclosure.page
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Account Review Inquiries 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). Name TRANSUNION CONSUMER INTE
Location 760 MARKET STREET 10TH FLOOR SAN FRANCISCO, CA 94102
Requested On 04/10/2023
Phone (844) 580-6816
Requested On 04/09/2023
Phone (800) 955-7070
Requested On 03/30/2023
Phone (866) 220-9432
Requested On 10/11/2022
Phone (800) 955-7070
Requested On 08/20/2021
Phone (773) 582-2886
CAPITAL ONE
Location P O Box 31293 Salt Lake City, UT 84131 SYNCHRONY SECURED INSTALLMENT
Location PO BOX 965073 ORLANDO, FL 32896 CAPITAL ONE
Location P O Box 31293 Salt Lake City, UT 84131 GEICO
Location 1 GEICO PLZ WASHINGTON, DC 20076-0003
MOHAMMAD KHATTAK via TRANSUNION INTERACTIVE IN
https://annualcreditreport.transunion.com/dss/disclosure.page
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Location 100 CROSS ST STE 202 SAN LUIS OBISPO, CA 93401
4/21/23, 5:52 PM
Requested On 04/21/2023, 04/21/2023
Phone (855) 681-3196
Requested On 04/21/2023, 04/18/2023, 04/16/2023, 04/15/2023, 04/14/2023, 04/07/2023
Phone (888) 397-3742
CONSUMERINFO.COM
Location 475 ANTON BLVD COSTA MESA, CA 92626
MOHMMAD KHATTAK via KARMATRANSUNION INTERACT
Location 100 CROSS STREET SAN LUIS OBISPO, CA 93401
Requested On 04/14/2023
Phone (844) 580-6816
Requested On 03/30/2023
Phone (866) 912-1312
CBE GROUP
Location PO BOX 2535 WATERLOO, IA 50704
MOHAMMAD KHATTAK via CREDITWISE CAPITAL1 TU-A
Location CAPITAL ONE N.A. PO BOX 85870 RICHMOND, VA 23285
Requested On 03/28/2023, 03/01/2023, 01/31/2023, 01/04/2023, 12/07/2022, 11/06/2022, 10/02/2022, 08/31/2022, 07/31/2022, 07/02/2022, 06/01/2022, 04/28/2022, 04/01/2022, 03/21/2022, 03/09/2022, 02/07/2022, 01/11/2022, 01/03/2022, 12/05/2021, 11/27/2021, 10/29/2021, 10/02/2021, 09/23/2021, 08/27/2021, 08/06/2021, 07/27/2021, 07/17/2021, 07/09/2021, 05/30/2021
Phone (877) 383-4802
541900220 via CREDITWISE CAPITAL1 TU-B
Location CAPITAL ONE N.A. PO BOX 85870 RICHMOND, VA 23285
Requested On 03/15/2023
https://annualcreditreport.transunion.com/dss/disclosure.page
Phone (877) 383-4802
Page 37 of 51
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4/21/23, 5:52 PM
368995825 via TRANSUNION INTERACTIVE
Location 100 CROSS STREET 202 SAN LUIS OBISPO, CA 93401
Requested On 03/15/2023
Phone (844) 580-6816
Requested On 01/06/2023
Phone (866) 720-0820
Requested On 12/21/2022
Phone (800) 689-1789
Requested On 12/15/2022
Phone (800) 837-4966
Requested On 10/24/2022
Phone (800) 371-3645
Requested On 08/22/2022, 04/20/2022
Phone (844) 298-9773
Requested On 08/22/2022
Phone (619) 330-7083
RADIUS GLOBAL SOLUTIONS
Location 7831 GLENROY RD SUITE 145 EDINA, MN 55439 CAPITAL ONE
Location 15060 CAPITAL ONE DRIVE RICHMOND, VA 23238 VERIZON WIRELESS
Location 1 VERIZON PLACE ALPHARETTA, GA 30004 AFNI
Location 1310 MARTIN LUTHER KING DRIVE BLOOMINGTON, IL 61701 ONEMAIN FINANCIAL
Location P.O. BOX 3327 EVANSVILLE, IN 47706 MONEVO INC
Location 8910 UNIVERSITY CNTR LANE SUITE 400 SAN DIEGO, CA 92122
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 38 of 51
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4/21/23, 5:52 PM
LEGAL AND GENERAL AMERICA
Location 3275 BENNETT CREEK AVE FREDERICK, MD 21704
Requested On 08/15/2022
Phone (800) 638-8428
Requested On 08/15/2022
Phone (415) 322-2037
Requested On 04/20/2022
Phone (866) 615-6319
Requested On 04/20/2022
Phone (855) 997-3100
Requested On 04/20/2022
Phone (800) 712-5407
Requested On 04/20/2022
Phone (314) 359-9248
ETHOS TECHNOLOGIES INC.
Location 460 BRYANT STREET 3RD FLOOR SAN FRANCISCO, CA 94107 PROSPERWEBBANK
Location PROSPER WEBBANK 221 MAIN STREET SUITE 300 SAN FRANCISCO, CA 94105 UPGRADE
Location 275 BATTERY ST SUITE 2300 SAN FRANCISCO, CA 94111 WEBBANKAVANT LLC
Location 222 N LASALLE ST SUITE 1600 CHICAGO, IL 60601 ON THE BARRELHEAD INC
Location 1309 E 3RD AVE UNIT 202 DURANGO, CO 81301 AFFIRM INC
https://annualcreditreport.transunion.com/dss/disclosure.page
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Location 650 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94108
4/21/23, 5:52 PM
Requested On 04/17/2022
Phone (855) 423-3729
Requested On 04/12/2022
Phone (844) 552-7621
Requested On 08/19/2021
Phone (888) 398-8924
Requested On 08/19/2021
Phone (800) 624-5578
Requested On 08/19/2021
Phone (800) 882-2822
Requested On 08/19/2021
Phone (800) 550-7717
Requested On 08/16/2021
Phone (877) 255-5923
KLARNA
Location 629 NORTH HIGH STREET SUI TE 300 COLUMBUS, OH 43215 SAFECO INS AUTO
Location SAFECO PLAZA 1001 FOURTH AVENUE SEATTLE, WA 98154 THE HARTFORDLEXIS NEXIS
Location 1000 ALDERMAN DRIVE ALPHARETTA, GA 30005 NATIONWIDE PLT NERO
Location ONE NATIONWIDE PLAZA 01 17 201 COLUMBUS, OH 43215 TRAVELERS via TRAVELERS
Location PO BOX 2906 HARTFORD, CT 06104 APPLE CARDGS BANK
Location PO BOX 45400 SALT LAKE CITY, UT 84145
https://annualcreditreport.transunion.com/dss/disclosure.page
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APPLE CARDGS BANK
Location PO BOX 45400 SALT LAKE CITY, UT 84145
Requested On 08/16/2021
Phone (877) 255-5923
MOHAMMAD KHATTAK via PGXLEXINGTONLAW
Location 330 NORTH CUTLER DRIVE NORTH SALT LAKE, UT 84054
Requested On 07/08/2021, 06/07/2021, 05/07/2021
Phone (801) 384-4253
Additional Information The following disclosure of information might pertain to you. This additional information may include Special Messages, Office of Foreign Assets Control ("OFAC") Potential Name Matches, Inquiry Analysis, Military Lending Act ("MLA") Covered Borrower Information, and/or Third Party Supplemental Information. Authorized parties may also receive the additional information below from TransUnion.
Third Party Supplemental Information In addition to the information maintained in the above credit report, TransUnion will occasionally contact a third party for supplemental information in connection with a particular transaction in response to a request from a particular customer. Listed below is the supplemental data that TransUnion obtained from such third parties, as well as the name(s) of the TransUnion customer for whom it was obtained.
Checking Account and Demand Deposit Account (DDA) Activity Data Source: Chex Systems Inc. (7805 Hudson Road, Suite 100, Woodbury, MN 55125, (800) 513-7125)
Requested by: TRANSUNION CONSUMER INTE
Requested on: 03/04/2023
Checking Account Inquiries in the Last Month: 0
Checking Account Inquiries in the Last 2 Months: 0
Checking Account Inquiries in the Last 3 Months: 0
Checking Account Inquiries in the Last 6 Months: 0
https://annualcreditreport.transunion.com/dss/disclosure.page
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4/21/23, 5:52 PM
Checking Account Inquiries in the Last Year: 0
Checking Account Inquiries in the Last 2 Years: 0
DDA Inquiries in the Last 3 Years: 2
Total Days Since First Checking Account Inquiry: 1041
Days Since Most Recent DDA Inquiry: 901
Credit Inquiries in the Last Year: 0
Credit Inquiries in the Last 3 Years: 2
Auto Inquiries in the Last 3 Years: 1
Other Credit Inquiries in the Last 2 years: 0
Other Credit Inquiries in the Last 3 Years: 1
DDA & Credit/Non-DDA Inquiries in Last 3 Years: 4
Supplemental Consumer Credit Information Data Source: Teletrack (PO Box 740008, Atlanta, GA 30374, (877) 309-5226)
Requested by: APPLE CARDGS BANK
Requested on: 08/16/2021
Auto Finance Inquiries in the Last 3 Months: 0
Auto Finance Inquiries in the Last 6 Months: 0
Auto Finance Inquiries in the Last 9 Months: 0
Auto Finance Inquiries in the Last 12 Months: 0
Auto Finance Inquiries in the Last 24 Months: 0
Auto Finance Inquiries in the Last 7 Years: 0
Cash Advance Inquiries in the Last 3 Months: 0
Cash Advance Inquiries in the Last 6 Months: 0
Cash Advance Inquiries in the Last 9 Months: 0
Cash Advance Inquiries in the Last 12 Months: 0
Cash Advance Inquiries in the Last 24 Months: 0
Cash Advance Inquiries in the Last 7 Years: 1
Misc Financial Services in the Last 7 Years: 2
Rent-to-Own Inquiries in the Last 3 Months: 0
Rent-to-Own Inquiries in the Last 6 Months: 0
Rent-to-Own Inquiries in the Last 9 Months: 0
https://annualcreditreport.transunion.com/dss/disclosure.page
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Rent-to-Own Inquiries in the Last 12 Months: 0
Rent-to-Own Inquiries in the Last 24 Months: 1
Rent-to-Own Inquiries in the Last 7 Years: 1
All Alternative Credit Inquiries in the Last 3 months: 0
All Alternative Credit Inquiries in the Last 6 Months: 0
All Alternative Credit Inquiries in the Last 24 Months: 2
All Alternative Credit Inquiries in the Last 7 Years: 4
Paid Auto Finance Charge-offs in the Last 24 Months: 0
Paid Payday Loan Charge-offs in the Last 24 Months: 0
Paid Rent-to-Own Charge-offs in the Last 24 Months: 0
All Paid Charge-offs in the Last 3 Months: 0
All Paid Charge-offs in the Last 24 Months: 0
All Paid Charge-offs in the Last 7 Years: 0
Open Auto Finance Charge-offs in the Last 24 Months: 0
Open Payday Loan Charge-offs in the Last 24 months: 0
Open Rent-to-Own Charge-offs in the Last 24 Months: 0
All Open Charge-offs in the Last 3 Months: 0
All Open Charge-offs in the Last 6 Months: 0
All Open Charge-offs in the Last 9 Months: 0
All Open Charge-offs in the Last 12 Months: 0
All Open Charge-offs in the Last 24 Months: 0
All Open Charge-offs in the Last 7 Years: 0
Club & Subscription Activity Data Source: Alliant Cooperative Data Solutions (301 Fields Lane, Brewster, NY 10509-2621, (866) 310-7278)
Requested by: SYNCBPAYPAL
Requested on: 05/04/2020
Write-Offs in the Last 5 Magazine Transactions: 0
Write-Offs in the Last 5 Club/Subscription Transactions: 0
Merchandise Write-Off Transactions in the Last 5 Years: 0
Single Payment Write-Off Transactions in the Last 5 Years: 0
https://annualcreditreport.transunion.com/dss/disclosure.page
Page 43 of 51
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Club and Subscription Amount sent to Collections in the Last 5 years: $0
4/21/23, 5:52 PM
Club/Subscription Write-Offs in the Last 5 Years: 0
Orders in the Last Year: $0
Should you wish to contact TransUnion, you may do so, Online: To report an inaccuracy, please visit: service.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 Monday - Friday 8 AM - 11 PM Eastern Time and Saturday - Sunday 8 AM - 5 PM Eastern Time, except on major holidays. For all correspondence, please have your TransUnion file number available (located at the top of this report).
SUMMARY OF RIGHTS GENERAL SUMMARY OF RIGHTS UNDER THE FCRA 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). 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.
https://annualcreditreport.transunion.com/dss/disclosure.page
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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 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 on your file; your file contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for more 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. 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 . https://annualcreditreport.transunion.com/dss/disclosure.page
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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 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 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. 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. 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. 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. You may also have the right to file suit under state law. 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 billion and their affiliates
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a. Consumer Financial Protection Bureau 1700 G Street, N.W. Washington, DC 20552 b. Federal Trade Commission Consumer Response Center Page 46 of 51
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b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB:
2. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks
b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act.
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations
d. Federal Credit Unions
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600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357 a. Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 770109050 b. Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN 55480 c. FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106 d. National Credit Union Administration Office of Consumer Financial Protection (OCFP) Division of Consumer Compliance Policy and Outreach 1775 Duke Street Alexandria, VA 22314 Asst. General Counsel for Aviation Enforcement & Proceedings Page 47 of 51
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3. Air carriers
4. Creditors Subject to the Surface Transportation Board
5. Creditors Subject to the 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
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Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20590 Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC 20423 Nearest Packers and Stockyards Administration area supervisor Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, S.W., Suite 8200 Washington, DC 20416 Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Farm Credit Administration 1501 Farm Credit Drive McLean, VA 221025090 Page 48 of 51
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9. Retailers, Finance Companies, and All Other Creditors Not Listed Above
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Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357
FRAUD VICTIM RIGHTS SUMMARY OF RIGHTS UNDER THE FCRA OF VICTIMS OF IDENTITY THEFT 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 Remedying the Effects of Identity Theft You are receiving this information because you have notified a consumer reporting agency that you believe you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security Number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe you that you are, a victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft. 1. You have the 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 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. 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.
2. 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 https://annualcreditreport.transunion.com/dss/disclosure.page
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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. To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your identity, which may include your Social Security Number. If you ask for an extended alert, you will have to provide an identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local law enforcement agency, and additional information a consumer reporting agency may require you to submit. For more detailed information about the identity theft report, visit www.consumerfinance.gov/learnmore . You may place a fraud alert in your file by calling just one of the three nationwide credit reporting agencies. As soon as that agency processes your alert, it will notify the other two, which then must also place fraud alerts in your file. Equifax: 1-800-525-6285; www.equifax.com Experian: 1-888-397-3742; www.experian.com TransUnion: 1-800-680-7289;www.transunion.com
3. You have the right to free copies of the information in your file (your “file disclosure”). An initial fraud alert entitles you to a copy of all information in your file at each of the three nationwide agencies, and an extended alert entitles you to two free file disclosures in a 12-month period following the placing of the alert. These additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address. Once a year, you also have the right to a free copy of the information in your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity theft. You also have the ability to obtain additional free file disclosures under other provisions of the FCRA. See www.consumerfinance.gov/learnmore
4. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It also may specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you with these documents. See www.consumerfinance.gov/learnmore .
5. You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with certain information about the debt you believe was incurred in your name by an identity thief – like the name of the creditor and the amount of the debt.
6. If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not https://annualcreditreport.transunion.com/dss/disclosure.page
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pay them. Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting agency to block the reporting of this information, you must identify the information to block, and provide the consumer reporting agency with proof of your identity and a copy of your identity theft report. The consumer reporting agency can refuse or cancel your request for a block if, for example, you don’t provide the necessary documentation or where the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer or place the debt for collection.
7. You may also prevent businesses from reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft. To do so, you must send your request to the address specified by the business that reports the information to the consumer reporting agency. The business will expect you to identify what information you do not want reported and to provide an identity theft report.
To learn more about identity theft and how to deal with its consequences, visit www.consumerfinance.gov/learnmore , or write to the Consumer Financial Protection Bureau. You may have additional rights under state law. For more information, contact your local consumer protection agency or your state Attorney General. In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many other important consumer protections. They are described in more detail at www.consumerfinance.gov/learnmore .
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