Annual Credit Report - Experian Flipbook PDF


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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

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

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

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

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

4/21/23, 5:49 PM

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

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

Page 5 of 47

Annual Credit Report - Experian

4/21/23, 5:49 PM

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

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

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

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

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

4/21/23, 5:49 PM

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

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

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

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

Page 11 of 47

Annual Credit Report - Experian

4/21/23, 5:49 PM

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

Annual Credit Report - Experian

4/21/23, 5:49 PM

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

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

Page 15 of 47

Annual Credit Report - Experian

4/21/23, 5:49 PM

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

4/21/23, 5:49 PM

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

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

Page 17 of 47

Annual Credit Report - Experian

4/21/23, 5:49 PM

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

4/21/23, 5:49 PM

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

Annual Credit Report - Experian

4/21/23, 5:49 PM

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

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

Page 21 of 47

Annual Credit Report - Experian

4/21/23, 5:49 PM

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

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

Page 22 of 47

Annual Credit Report - Experian





4/21/23, 5:49 PM

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

Annual Credit Report - Experian

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

Annual Credit Report - Experian

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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

Annual Credit Report - Experian

4/21/23, 5:49 PM

, 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

4/21/23, 5:49 PM

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

Page 37 of 47

Annual Credit Report - Experian

4/21/23, 5:49 PM

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

4/21/23, 5:50 PM

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

Annual Credit Report - Experian

4/21/23, 5:50 PM

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

Annual Credit Report - Experian

4/21/23, 5:50 PM

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

4/21/23, 5:50 PM

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

Page 26 of 43

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

Page 34 of 43

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

Page 38 of 43

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

Page 39 of 43

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

Page 40 of 43

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

Page 6 of 51

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

View Your Report | TransUnion Credit Report

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 ---

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 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 ---

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 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

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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

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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

View Your Report | TransUnion Credit Report

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

View Your Report | TransUnion Credit Report

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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4/21/23, 5:52 PM

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

Page 36 of 51

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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

Page 39 of 51

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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

Page 40 of 51

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4/21/23, 5:52 PM

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

Page 41 of 51

View Your Report | TransUnion Credit Report

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

Page 42 of 51

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4/21/23, 5:52 PM

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

View Your Report | TransUnion Credit Report

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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View Your Report | TransUnion Credit Report

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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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