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Credit reports are key to helping you confidently protect and manage your identity. You can rest assured - reviewing your report does not negatively impact yourstanding or score.

Financial institutions, employers and insurers use credit reports to gain insight into your financial profile. Because theyprovide a record of your present and past credit use, credit reports may determine whether or not you will be offeredcredit, and on what terms. Inaccurate or fraudulent account information on credit reports can result in denial of credit,higher loan and insurance rates and even rejection for employment. The Federal Trade Commission (FTC) hasprepared A Summary of Your Rights Under the Fair Credit Reporting Act, you may also find additional informationon their website www.FTC.gov/credit.

Understanding your credit score and the factors that impact it will prepare you to make the best possible decisions foryour financial future. Want help reading your report? We've prepared a quick educational guide for you: How to Read, Use and Act on Your Credit Report. Ifyou find inaccurate information on your report, you may contact one of our Credit Specialists to help dispute this information directly with the credit reportingagencies.

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Three Bureau Credit ReportReference # M10000049 Report Date: 06/06/2016

Quick Links: Credit Score / Summary / Account History / Inquiries / Creditor Contacts

Personal Information

Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses,employment information and other details.

TransUnion Experian Equifax

Credit Report Date: 06/06/2016 06/06/2016 06/06/2016

Name: CALDARERA A KOLMETZ CALDARERA A KOLMETZCALDAR KOLMETZ CALDARERA A KOLMETZ

Also Known As: NESTLE,VALENTINE,APUGH,VALENTINE,A

CALDARERA A NESTLECALDARERA A PUGHCALDAR A NESTLE

CALDAR CALDARERA-KOLMETZ-

Former: - - VALENTINE KARL NESTLEVALENTINE A PUGH

Date of Birth: 03/22/1969 01/01/1969 -

Current Address(es):21296 MCAULEY DR

ROCKFORD, IL61109

21296 MCAULEY DRROCKFORD, IL

61109-361002/2016

21296 MCAULEY DRROCKFORD, IL

61109

Previous Address(es):

751 S 12TH STROCKFORD, IL

611098032 N BLUE STROCKFORD, IL

61109

6273 LIBERTY AVEROCKFORD, IL

61109-361007/2014

PO BOX 20NEW ORLEANS, LA

70116-340705/2012

6273 LIBERTY AVEROCKFORD, IL

611092179 LEWIS AVE STE 17

ROCKFORD, IL61109

Employers: CENTURY SERVICEFEINER NETWORK & ASSOC

CASCADE COMPANYCENTURY SERVICE

CENTURY SERVICECASCADE COMPANY

FELTZ ART WEST

Credit Score

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Credit Report - IdentityIQ http://tst.identityiq.com/CreditReport.aspx

1 of 18 3/10/17, 8:58 AM

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Your Credit Score is a representation of your overall credit health. Most lenders utilize some form of credit scoring to help determine your creditworthiness.


Credit Score: 637 596 -Lender Rank: Fair Unfavorable -Score Scale: 300-850 300-850 300-850

Risk Factors

TransUnion:

You have too many collection agency accounts that are unpaid [+]The date that you opened your oldest account is too recent [+]Too many bankcard or revolving accounts with delinquent or derogatory status [+]Lack of sufficient relevant real estate account information [+]

Experian:

Too many bankcard or revolving accounts with delinquent or derogatory statusYou have too many collection agency accounts that are unpaidThe date that you opened your oldest account is too recentLack of sufficient relevant real estate account information

Equifax:

The score(s) on your IdentityIQ credit report (using the VantageScore® 3.0 model) are provided as a tool to help you understand how lenders may view the data containedin your credit reports and evaluate your credit risk. We provide these scores solely for educational purposes. IdentityIQ does not offer credit; delivery of these scores doesnot qualify you for any loan. The scoring model your lender uses may be different than the VantageScore® 3.0. As a result, the score and score factors we have deliveredmay show differences when compared to the score and score factors produced by your lender's scoring model. Please also understand that lenders use multiple sourcesof information when underwriting a loan and making lending decisions. Credit scores are just one factor that may be used and each lender will have different criteria theyconsider.

IdentityIQ provides informational materials along with your credit report(s) and score(s) these materials are educational in nature and intended to broaden yourunderstanding of how credit scoring works. They should not be construed as advice in handling your financial problems or making financial decisions. If you are havingtrouble keeping up with your bill payments or experiencing other financial difficulties, please contact a non-profit credit counseling service for assistance. These materialsare for educational purposes only.

Summary

Below is an overview of your present and past credit status including open and closed accounts and balance information.


Total Accounts: 24 24 23Open Accounts: 10 5 9

Closed Accounts: 14 19 14Delinquent: 2 0 2Derogatory: 7 7 6Collection: 5 4 1Balances: $52,663.00 $52,589.00 $52,589.00

Payments: $928.00 $928.00 $928.00Public Records: 1 1 1

Inquiries(2 years): 9 34 10

Account History

Information on accounts you have opened in the past is displayed below.

FNCC


Account #: 414980590173**** 414980590173**** 414980590173****Account Type: Revolving Revolving Revolving

Account Type - Detail: Credit Card Credit Card Credit CardBureau Code: Individual Individual Individual

Account Status: Open Open OpenMonthly Payment: $30.00 $30.00 $30.00

Date Opened: 04/22/2015 04/01/2015 04/01/2015Balance: $154.00 $154.00 $154.00

No. of Months (terms): 0 0 0High Credit: $522.00 $522.00 $0.00Credit Limit: $500.00 $500.00 $500.00

Past Due: $0.00 $0.00 $0.00Payment Status: Current Current Current

Last Reported: 05/27/2016 05/27/2016 05/01/2016


2 of 18 3/10/17, 8:58 AM

Comments: - - Credit card Amount in H/C column is credit limit

Date Last Active: 05/27/2016 03/01/2016 05/01/2016Date of Last Payment: 05/20/2016 05/20/2016 05/01/2016

Two-Year payment history

Month May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun

Year 16 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14

TransUnion OK OK 30 OK OK OK OK OK OK OK OK OK OK

Experian OK OK OK 30 OK OK OK OK OK OK OK OK OK OK

Equifax OK OK 30 OK OK OK OK OK OK OK OK OK OKCAPITAL ONE



Account Type - Detail: Credit Card Credit Card Credit CardBureau Code: Individual Individual Individual


Date Opened: 03/20/2014 03/01/2014 03/01/2014Balance: $1,897.00 $1,897.00 $1,897.00

No. of Months (terms): 0 0 0High Credit: $2,953.00 $2,953.00 $0.00Credit Limit: $3,000.00 $3,000.00 $3,000.00


Last Reported: 05/14/2016 05/14/2016 05/01/2016





Year 16 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14

TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKCB/VICSCRT


Account #: 39462**** 394** 39462****Account Type: Revolving Revolving Revolving

Account Type - Detail: Charge account Charge account -Bureau Code: Individual Individual Individual

Account Status: Open Closed ClosedMonthly Payment: $0.00 $0.00 $0.00




Last Reported: 03/04/2009 03/04/2009 12/01/2013

Comments: - Account has been closed due toinactivity.

Accounts closed by credit grantor Amount in H/C column is credit limit



Month Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec

Year 13 13 13 13 13 13 13 13 13 13 13 12 12 12 12 12 12 12 12 12 12 12 12 11

TransUnionExperian

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKCAPITAL ONE



Account Type - Detail: Credit Card Credit Card Credit Card


3 of 18 3/10/17, 8:58 AM

Bureau Code: Individual Individual IndividualAccount Status: Open Open Open

Monthly Payment: $0.00 $4.00 $0.00Date Opened: 10/16/2013 10/01/2013 10/01/2013

Balance: $0.00 $0.00 $0.00No. of Months (terms): 0 0 0

High Credit: $571.00 $571.00 $0.00Credit Limit: $500.00 $500.00 $500.00


Last Reported: 05/10/2016 05/10/2016 05/01/2016





Year 16 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14


Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKGM FINANCIAL


Account #: 32725**** 32725**** 32725****Account Type: Installment Installment Installment

Account Type - Detail: Auto Loan Auto Loan Auto LoanBureau Code: Joint Joint Joint



No. of Months (terms): 73 73 0High Credit: $24,121.00 $24,121.00 $24,121.00Credit Limit: $0.00 $0.00 $0.00


Last Reported: 05/09/2016 05/07/2016 05/01/2016

Comments: - - Auto Fixed rate




Year 16 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14

TransUnion OK OK OK OK OK OK

Experian OK OK OK OK OK OK OK

Equifax OK OK OK OK OKCAP ONE AUTO



Account Type - Detail: Auto Loan Auto Loan Auto LoanBureau Code: Individual Individual Individual





Last Reported: 04/30/2016 04/30/2016 04/01/2016

Comments: - - Auto Fixed rate




4 of 18 3/10/17, 8:58 AM

Month Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May

Year 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14 14

TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKSYNCB/SAMS


Account #: 171410042233**** 171410042233****Account Type: Revolving Revolving

Account Type - Detail: Charge account Charge accountBureau Code: Individual Individual

Account Status: Closed DerogatoryMonthly Payment: $0.00 $0.00

Date Opened: 11/24/1996 11/01/1996Balance: $0.00 $0.00

No. of Months (terms): 0 0High Credit: $1,474.00 $0.00Credit Limit: $424.00 $576.00

Past Due: $0.00 $0.00Payment Status: Current Collection/Chargeoff

Last Reported: 11/24/2009 09/05/2011

Comments: Credit card lost or stolen Purchased by a another lender.

Unpaid balance reported as a loss bycredit grantor.

Date Last Active: 01/27/2008 09/01/2011Date of Last Payment: 07/13/2004 02/12/2010


Month Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct

Year 11 11 11 11 11 11 11 11 11 10 10 10 10 10 10 10 10 10 10 10 10 09 09 09

TransUnion OK

Experian CO CO CO CO CO CO CO CO CO CO 150 120 90 60 30 OK OK OK OK OK OK OK

EquifaxSYNCB/OLDNAV


Account #: 600889821976****Account Type: Revolving

Account Type - Detail: Charge accountBureau Code: Individual

Account Status: ClosedMonthly Payment: $0.00

Date Opened: 06/12/2001Balance: $0.00

No. of Months (terms): 0High Credit: $519.00Credit Limit: $600.00

Past Due: $0.00Payment Status: Current

Last Reported: 12/15/2009Comments: Credit card lost or stolen

Date Last Active: 01/03/2007Date of Last Payment: 02/14/2007



Year 09 09 09 09 09 09 09 09 09 09 09 08 08 08 08 08 08 08 08 08 08 08 08 07

TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

ExperianEquifax

SYNCB/MERVYN



Account Type - Detail: Charge account Charge account Charge accountBureau Code: Individual Individual Individual

Account Status: Closed Paid PaidMonthly Payment: $0.00 $0.00 $0.00


No. of Months (terms): 0 0 0


5 of 18 3/10/17, 8:58 AM

High Credit: $0.00 $0.00 $200.00Credit Limit: $200.00 $0.00 $0.00


Last Reported: 04/17/2015 10/23/2008 04/01/2015

Comments: Closed - Closed or paid account/zero balance Charge

Date Last Active: 10/23/2008 10/01/2008 -Date of Last Payment: - - -


Month Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr

Year 15 15 15 14 14 14 14 14 14 14 14 14 14 14 14 13 13 13 13 13 13 13 13 13


ExperianEquifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

BK OF AMER


Account #: 132549**** 132549**** -132549****Account Type: Installment Installment Installment

Account Type - Detail: Educational Educational EducationalBureau Code: Individual Individual Individual

Account Status: Closed Derogatory PaidMonthly Payment: $70.00 $0.00 $70.00



Past Due: $0.00 $0.00 $0.00Payment Status: Late 120 Days Late 180 Days Late 120 Days

Last Reported: 07/31/2012 09/30/2012 09/01/2012

Comments: Student loan permanently assigned togovernment

Student loan permanently assign togovernment.

Claim filed with government forinsured portion of balance of loan.

Student loan assigned to government




Year 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10 10 10

TransUnion 120 120 120 120 120 120 120 90 60 OK OK OK OK 90 60 OK OK OK OK 60 OK

Experian CO 180 180 180 180 180 180 180 150 120 90 60 OK OK OK OK 90 60 OK OK OK OK 60 OK

Equifax 120 120 120 120 120 120 120 120 120 90 60 OK OK OK OK 90 60 OK OK OK OK 60 OKAM HONDA FIN



Account Type - Detail: Auto Loan Auto Loan -Bureau Code: Joint Joint Joint





Last Reported: 06/15/2009 06/17/2009 02/01/2011Comments: Closed - Closed or paid account/zero balance



Month Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb

Year 11 10 10 10 10 10 10 10 10 10 10 10 10 09 09 09 09 09 09 09 09 09 09 09

TransUnion OK OK OK OK

Experian OK OK OK OK


6 of 18 3/10/17, 8:58 AM

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKWFDS/WDS



Account Type - Detail: Auto Loan Auto Loan Auto LoanBureau Code: Individual Individual Individual





Last Reported: 04/19/2016 04/30/2016 04/01/2016

Comments: Closed - Closed or paid account/zero balance Auto




Year 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14 14

TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKHSBC BANK



Account Type - Detail: Credit CardBureau Code: Individual

Account Status: DerogatoryMonthly Payment: $0.00



Past Due: $0.00Payment Status: Collection/Chargeoff

Last Reported: 08/31/2010

Comments: Charged off as bad debt Purchased by another lender




Year 17 17 17 16 16 16 16 16 16 16 16 16 16 16 16 15 15 15 15 15 15 15 15 15

TransUnionExperian

EquifaxSYNCB/SAMS



Account Type - Detail: Charge account -Bureau Code: Individual Individual

Account Status: Derogatory DerogatoryMonthly Payment: $0.00 $0.00


No. of Months (terms): 0 0High Credit: $479.00 $479.00Credit Limit: $576.00 $0.00

Past Due: $0.00 $0.00Payment Status: Collection/Chargeoff Collection/Chargeoff


7 of 18 3/10/17, 8:58 AM

Last Reported: 09/05/2011 09/01/2011

Comments: Charged off as bad debt Purchased by another lender

Account transferred or sold Charged off account



Month Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep

Year 11 11 11 11 11 11 11 11 10 10 10 10 10 10 10 10 10 10 10 10 09 09 09 09

TransUnionExperian

Equifax OK OK OK OK OK OK OK OK OK OK OK OK 120 120 120 90 60 30 OK OK OK OK OK OKSYNCB/OLDNAV




Account Status: Paid Paid PaidMonthly Payment: $0.00 $0.00 $0.00




Last Reported: 01/18/2016 04/15/2010 01/01/2016

Comments: Closed - Closed or paid account/zero balance Amount in H/C column is credit limit



Month Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan

Year 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14 14 14 14 14 14



HSBC/LEVITZ


Account #: 22042410225**** 220424-410225****Account Type: Revolving Revolving

Account Type - Detail: Charge account Charge accountBureau Code: Individual Individual

Account Status: Transferred TransferredMonthly Payment: $0.00 $160.00


No. of Months (terms): 0 0High Credit: $3,932.00 $2,805.00Credit Limit: $2,805.00 $0.00

Past Due: $0.00 $0.00Payment Status: Late 90 Days Late 90 Days

Last Reported: 10/08/2010 10/01/2010

Comments: Purchased by another lender Account transferred or sold Charge




Year 10 10 10 10 10 10 10 10 10 09 09 09 09 09 09 09 09 09 09 09 09 08 08 08

TransUnion 120 120 120 120 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

ExperianEquifax OK 120 120 120 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

CB/ANNTYLR




8 of 18 3/10/17, 8:58 AM


Account Status: Paid Closed ClosedMonthly Payment: $0.00 $12.00 $0.00


No. of Months (terms): 0 0 0High Credit: $413.00 $413.00 $0.00Credit Limit: $1,500.00 $1,500.00 $1,500.00


Last Reported: 08/27/2013 08/26/2013 12/01/2013

Comments: Canceled by credit grantor Account has been closed due toinactivity.

Accounts closed by credit grantor Amount in H/C column is credit limit




Year 13 13 13 13 13 13 13 13 13 13 13 12 12 12 12 12 12 12 12 12 12 12 12 11

TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKI C SYSTEM (Original Creditor: 11 AT T)


Account #: 3671541**** 3671541**** 3671541****Account Type: Collection Collection Collection

Account Type - Detail: Collection Collection CollectionBureau Code: Individual Individual Individual

Account Status: Derogatory Derogatory DerogatoryMonthly Payment: - - -


No. of Months (terms): - - -High Credit: $95.00 $95.00 $95.00Credit Limit: - - -

Past Due: - - -Payment Status: Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff

Last Reported: 05/29/2016 05/29/2016 05/01/2016Comments: Placed for collection - Subject has not satisfied debt.

Date Last Active: 05/29/2016 07/01/2013 05/01/2016Date of Last Payment: - - -



Year 17 17 17 16 16 16 16 16 16 16 16 16 16 16 16 15 15 15 15 15 15 15 15 15

TransUnionExperian

EquifaxMIDLAND FUND (Original Creditor: 01 HSBC BANK NEVADA N A)


Account #: 246013**** 246013****Account Type: Collection Collection

Account Type - Detail: Collection CollectionBureau Code: Individual Individual

Account Status: Derogatory DerogatoryMonthly Payment: - -

Date Opened: 05/14/2012 05/01/2012Balance: $5,957.00 $5,957.00

No. of Months (terms): - -High Credit: $3,932.00 $3,932.00Credit Limit: - -

Past Due: - -Payment Status: Collection/Chargeoff Collection/Chargeoff

Last Reported: 05/19/2016 05/16/2016Comments: Placed for collection -

Date Last Active: 05/19/2016 12/01/2012Date of Last Payment: - -



9 of 18 3/10/17, 8:58 AM


Year 17 17 17 16 16 16 16 16 16 16 16 16 16 16 16 15 15 15 15 15 15 15 15 15

TransUnionExperian

EquifaxPORTFOLIO RC (Original Creditor: GE MONEY BANK)




Account Status: Derogatory DerogatoryMonthly Payment: - -


No. of Months (terms): - -High Credit: $677.00 $677.00Credit Limit: - -


Last Reported: 05/08/2016 05/08/2016Comments: Placed for collection -

Date Last Active: 05/08/2016 11/01/2011Date of Last Payment: - -



Year 17 17 17 16 16 16 16 16 16 16 16 16 16 16 16 15 15 15 15 15 15 15 15 15

TransUnionExperian

EquifaxECMC (Original Creditor: 07 BANK OF AMERICA NA)


Account #: 7871398****Account Type: Collection

Account Type - Detail: CollectionBureau Code: Individual

Account Status: DerogatoryMonthly Payment: -

Date Opened: 09/20/2012Balance: $7,044.00

No. of Months (terms): -High Credit: $4,553.00Credit Limit: -

Past Due: -Payment Status: Collection/Chargeoff

Last Reported: 03/05/2016Comments: Placed for collection

Date Last Active: 03/05/2016Date of Last Payment: -



Year 17 17 17 16 16 16 16 16 16 16 16 16 16 16 16 15 15 15 15 15 15 15 15 15

TransUnionExperian

EquifaxPORTFOLIO RC (Original Creditor: HSBC BANK NEVADA N A)




Account Status: Paid PaidMonthly Payment: - -


No. of Months (terms): - -High Credit: $712.00 $712.00Credit Limit: - -


10 of 18 3/10/17, 8:58 AM


Last Reported: 05/11/2012 09/16/2011

Comments: Settled - less than full balance Account legally paid in full for lass

than the full balance. Account legally paid in full for less

than the full balance. Date Last Active: 08/19/2011 09/01/2011

Date of Last Payment: - -



Year 17 17 17 16 16 16 16 16 16 16 16 16 16 16 16 15 15 15 15 15 15 15 15 15

TransUnionExperian

EquifaxLOANME INC


Account #: 2431**Account Type: Open Account

Account Type - Detail: Business Loan - PersonallyGuaranteed

Bureau Code: Responsible in Case of DefaultAccount Status: Paid

Monthly Payment: $0.00Date Opened: 02/01/2016

Balance: $0.00No. of Months (terms): 120

High Credit: $21,500.00Credit Limit: $0.00


Last Reported: 04/01/2016Comments: -




Year 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14 14

TransUnionExperian OK OK

EquifaxECMC


Account #: 7871398****Account Type: Installment

Account Type - Detail: EducationalBureau Code: Individual



No. of Months (terms): 1High Credit: $4,553.00Credit Limit: $0.00

Past Due: $6,970.00Payment Status: Collection/Chargeoff


Comments:Account seriously past due

date/account assigned to attorney,collection agency, or credit grantor's

internal collection department. Date Last Active: 11/01/2012

Date of Last Payment: 03/14/2016



Year 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14 14

TransUnionExperian CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO

EquifaxECMC


11 of 18 3/10/17, 8:58 AM


Account #: 7071381****Account Type: Open Account





Past Due: $6,970.00Payment Status: Late 120 Days


Comments: Collection account Student loan




Year 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14 14

TransUnionExperian

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKKOHLS/CAPONE



Account Type - Detail: Charge account Charge account -Bureau Code: Joint Joint Joint



No. of Months (terms): 0 0 0High Credit: $315.00 $315.00 $0.00Credit Limit: $1,500.00 $1,500.00 $1,500.00


Last Reported: 03/08/2013 03/08/2013 03/01/2013

Comments: Inactive account Account has been closed due toinactivity.

Closed or paid account/zero balance Amount in H/C column is credit limit




Year 13 13 13 12 12 12 12 12 12 12 12 12 12 12 12 11 11 11 11 11 11 11 11 11


Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKPORTFOLIO


Account #: HSBC -5253000626****Account Type: Open Account





Past Due: $0.00Payment Status: Late 120 Days


Comments: Settlement accepted on this account Paid collection


12 of 18 3/10/17, 8:58 AM




Year 12 12 12 12 11 11 11 11 11 11 11 11 11 11 11 11 10 10 10 10 10 10 10 10

TransUnionExperian

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKPORTFOLIO


Account #: GE MO-1410044293****Account Type: Open Account





Past Due: $339.00Payment Status: Late 120 Days

Last Reported: 05/01/2016Comments: Collection account




Year 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14 14

TransUnionExperian

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKCHASE



Account Type - Detail: Credit Card Credit Card -Bureau Code: Individual Individual Individual





Last Reported: 10/26/2008 10/25/2008 10/01/2008

Comments: Account closed by consumer Credit line closed - consumer request- reported by subscriber.

Account closed at consumer'srequest

Closed or paid account/zero balance Date Last Active: 05/05/2008 10/01/2008 05/01/2008

Date of Last Payment: 05/05/2008 05/05/2008 05/01/2008


Month Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov

Year 08 08 08 08 08 08 08 08 08 08 07 07 07 07 07 07 07 07 07 07 07 07 06 06

TransUnion OK OK OK OK

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKSYNCB/JCP




Account Status: Paid Paid


13 of 18 3/10/17, 8:58 AM

Monthly Payment: $0.00 $0.00Date Opened: 10/01/1999 10/01/1999

Balance: $0.00 $0.00No. of Months (terms): 0 0

High Credit: $315.00 $0.00Credit Limit: $256.00 $256.00

Past Due: $0.00 $0.00Payment Status: Current Current

Last Reported: 05/20/2008 10/01/2015

Comments: - Closed or paid account/zero balance Amount in H/C column is credit limit




Year 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14 14 14 14 14 14 13 13 13

TransUnionExperian

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OKCHASE CARD



Account Type - Detail: Credit CardBureau Code: Individual

Account Status: PaidMonthly Payment: $0.00


No. of Months (terms): 1High Credit: $16,688.00Credit Limit: $8,000.00



Comments: Credit line closed - consumer request- reported by subscriber.




Year 06 06 06 06 06 05 05 05 05 05 05 05 05 05 05 05 05 04 04 04 04 04 04 04

TransUnionExperian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

EquifaxMIDLANDMCM


Account #: 142017****Account Type: Open Account





Past Due: $5,957.00Payment Status: Late 120 Days

Last Reported: 05/01/2016Comments: Collection account




Year 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14 14

TransUnion


14 of 18 3/10/17, 8:58 AM

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SYNCB/THE ROOMSOURCE




Account Status: Paid PaidMonthly Payment: $0.00 $0.00


No. of Months (terms): 0 0High Credit: $1,837.00 $3,000.00Credit Limit: $3,000.00 $0.00

Past Due: $0.00 $0.00Payment Status: Current Current

Last Reported: 11/11/2007 03/01/2014

Comments: Account has been closed due toinactivity.

Closed or paid account/zero balance Accounts closed by credit grantor



Month Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar

Year 14 14 13 13 13 13 13 13 13 13 13 13 13 13 12 12 12 12 12 12 12 12 12 12

TransUnionExperian

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Inquiries

Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on yourcredit file for up to two years.

Creditor Name Type of Business Date of inquiry Credit Bureau

STRATEGIC FUNDING SOUR Bulk Purchase Finance 04/11/2016 ExperianYELLOWSTONE CAPITAL - 04/11/2016 ExperianQUICK BRIDGE FUNDING Miscellaneous Finance Companies 04/08/2016 ExperianALLIANCE CREDIT UNION Credit Unions 03/09/2016 ExperianLOANME INC Personal Loan Companies 02/08/2016 ExperianEXPERIAN BUSINESS CRED Credit Bureaus 02/02/2016 ExperianCAN CAPITAL MERC SRV,I Miscellaneous Finance Companies 01/25/2016 ExperianAMERIMERCH W/BANK LAKE Miscellaneous Finance Companies 01/25/2016 ExperianBIZFI DIRECT FKA NEXT Miscellaneous Finance Companies 01/21/2016 ExperianALLIANCE CREDIT UNION Credit Unions 01/11/2016 ExperianKABBAGE INC Bulk Purchase Finance 01/06/2016 ExperianPERFORMANT FINANCIAL C Other Collection Agencies 12/23/2015 ExperianBK OF AMER Bank Credit Cards 12/01/2015 ExperianCLC/QUICKN - 11/25/2015 EquifaxCREDCO/QUICKEN LOANS Mortgage Reporters 11/25/2015 ExperianQUICKEN LOAN Finance 11/25/2015 TransUnionEMS - 11/19/2015 EquifaxEQUIFAX MORTGAGE SERVI Mortgage Reporters 11/19/2015 ExperianEQUIFAX MTG Miscellaneous, Not Elsewhere Classified 11/19/2015 TransUnionCONTEMPORARY INFORMATI Tenant Screeners (Reseller) 11/09/2015 ExperianALLYFINANC - 10/22/2015 EquifaxWFDS Automobile Financing Company 10/22/2015 ExperianSANTANDER CONSUMER USA Miscellaneous Finance Companies 10/22/2015 ExperianGM FINANCIAL Finance 10/22/2015 TransUnionNCCINC/HANLEES NISSAN Automotive Dealers (New) 10/21/2015 ExperianHANLESS NISS Automotive 10/21/2015 TransUnionCHASE CARD - 09/27/2015 EquifaxCHASE CARD Bank Credit Cards 09/27/2015 ExperianBIZFI DIRECT FKA NEXT Miscellaneous Finance Companies 08/07/2015 ExperianSYNCB/AMAZ - 07/10/2015 EquifaxCHASE CARD - 05/14/2015 EquifaxCHASE CARD Bank Credit Cards 05/14/2015 Experian1ST NATL BK Bank 04/22/2015 TransUnion


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QUICK BRIDGE FUNDING Miscellaneous Finance Companies 03/17/2015 ExperianBIZFI DIRECT FKA NEXT Miscellaneous Finance Companies 03/17/2015 ExperianEXPERIAN BUSINESS CRED Credit Bureaus 03/17/2015 ExperianCAN CAPITAL MERC SRV,I Miscellaneous Finance Companies 02/26/2015 ExperianCAN CAPITAL Finance 02/26/2015 TransUnionALLYFINANC - 12/05/2014 EquifaxCAP ONE AF - 12/05/2014 EquifaxWINTER CH - 12/05/2014 EquifaxCDK/WINTER CHEVROLET G Automotive Dealers (New) 12/05/2014 ExperianSANTANDER CONSUMER USA Miscellaneous Finance Companies 12/05/2014 ExperianWFDS Automobile Financing Company 12/05/2014 ExperianCAPITAL ONE AUTO FIN Automobile Financing Company 12/05/2014 ExperianCOAF Finance 12/05/2014 TransUnionGM FINANCIAL Finance 12/05/2014 TransUnionCHASE AUTO Bank 12/05/2014 TransUnionKOHLS/CAPONE Complete Department Stores 09/25/2014 ExperianSYNCB Sales Financing Company 08/31/2014 ExperianSYNCB/OIL - 06/25/2014 EquifaxWFDS Automobile Financing Company 06/19/2014 ExperianCREDCO Auto Reseller 06/19/2014 Experian

Public Information

Below is an overview of your public records and can include details of bankruptcy filings, court records, tax liens and other monetary judgments.Public records typically remain on your Credit Report for 7 - 10 years.

Tax Lien


Type: Tax LienStatus: Released

Date Filed/Reported: 05/11/2010Reference#: 90103914

Released Date: 04/23/2014Court: Recorder Of Deeds

Amount: $10,366.00Remarks:

Tax Lien


Type: State Tax LienStatus: Released

Date Filed/Reported: 05/11/2010Reference#: SQ20708139

Released Date: 04/25/2014Court: SANTA CLARA COUNTY REC


Tax Lien


Type: Tax LienStatus: Released

Date Filed/Reported: 05/01/2010Reference#: 31934526

Released Date: 04/01/2014Court: State Government


Creditor Contacts

The names of people and/or organizations who have obtained a copy of your credit report are listed below.

Creditor Name Address Phone Number

COAF 3905 N. DALLAS PAR PO #COAF1-222PLANO, TX 75093 (888) 396-2623

CHASE AUTO PO BOX 901003FORT WORTH, TX 76101 (800) 336-6675


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1ST NATL BK C/O CAPITAL CARDS 500 E. 60TH ST. N.SIOUX FALLS, SD 57104 (605) 367-9581

CAN CAPITAL 414 W 14TH ST SUITE 302NEW YORK, NY 10014 (877) 550-4731

GM FINANCIAL 801 CHERRY STREETFORT WORTH, TX 76102 (817) 302-7000

QUICKEN LOAN 1050 WOODWARD AVEDETROIT, MI 48226 (800) 523-0233

HANLESS NISS 5009 CHILES RDDAVIS, CA 95616 (530) 231-3000

EQUIFAX MTG 815 EAST GATE DR SUITE 102MOUNT LAUREL, NJ 08054 (800) 333-0037

ECMC 101 E FIFTH ST STE 2400SAINT PAUL, MN 55101 (888) 221-3262

MIDLAND FUND 2365 NORTHSIDE DRIVE SUITE 300SAN DIEGO, CA 92108 (844) 236-1959

I C SYSTEM PO BOX 64378SAINT PAUL, MN 55164 (888) 735-0516

PORTFOLIO RC 287 INDEPENDENCEVIRGINIA BEACH, VA 23462 (800) 772-1413

WFDS/WDS P.O. BOX 1697WINTERVILLE, NC 28590 -

GM FINANCIAL PO BOX 181145ARLINGTON, TX 76096 (800) 284-2271

AM HONDA FIN POB 6070CYPRESS, CA 90630 (310) 212-6619

HSBC/LEVITZ PO BOX 9BUFFALO, NY 14240 (888) 385-8916

HSBC BANK PO BOX 9BUFFALO, NY 14240 (888) 385-8916

FNCC 500 EAST 60TH ST NORTHSIOUX FALLS, SD 57104 (605) 782-3459

CHASE P.O. BOX 15298WILMINGTON, DE 19850 (800) 432-3117

SYNCB/MERVYN PO BOX 965005ORLANDO, FL 32896 (800) 480-5014

SYNCB/OLDNAV PO BOX 965005ORLANDO, FL 32896 (877) 222-6868

SYNCB/SAMS PO BOX 965005ORLANDO, FL 32896 (800) 964-1917

CAP ONE AUTO CREDIT BUREAU DISPUTE PO BOX 259407PLANO, TX 75025 (800) 946-0332

CB/ANNTYLR PO BOX 182789COLUMBUS, OH 43218 -

CAPITAL ONE POB 30281SALT LAKE CITY, UT 84130 (800) 955-7070

CB/VICSCRT PO BOX 182789COLUMBUS, OH 43218 -

BK OF AMER C/O ACS 501 BLEECKER STREEUTICA, NY 13501 (800) 835-4611

KOHLS/CAPONE PO BOX 3115MILWAUKEE, WI 53201 (800) 564-5740

STA CLARA CO 70 W HEDDING ST 1ST FLRSAN JOSE, CA 95110 (408) 299-5688

YELLOWSTONE CAPITAL 1 EVERTRUST PLZ FL 14JERSEY CITY, NJ 07302 (347) 269-3450

WFDS PO BOX 1697WINTERVILLE, NC 28590 BYMAILONLY

WFDS 15750 ALTON PKWYIRVINE, CA 92618 (949) 754-7911

SYNCB/THE ROOMSOURCE C/O PO BOX 965036ORLANDO, FL 32896 (866) 396-8254

SYNCB/SAMS CLUB PO BOX 965005ORLANDO, FL 32896 (800) 964-1917

SYNCB/OLD NAVY PO BOX 965005ORLANDO, FL 32896 (877) 222-6868

SYNCB/MERVYNS PO BOX 965005ORLANDO, FL 32896 (800) 480-5014

SYNCB/JCP PO BOX 965007ORLANDO, FL 32896 (800) 542-0800

SYNCB PO BOX 965033ORLANDO, FL 32896 BYMAILONLY

STRATEGIC FUNDING SOUR 1501 BROADWAY STE 1515NEW YORK, NY 10036 (212) 354-1400

SANTANDER CONSUMER USA 8585 N STEMMOMS FWYDALLAS, TX 75247 (866) 923-9282

SANTA CLARA COUNTY REC 70 W HEDDING STSAN JOSE, CA 95110 BYMAILONLY

QUICK BRIDGE FUNDING 410 EXCHANGE STE 150IRVINE, CA 92602 (888) 233-9085

PORTFOLIO RECOVERY ASS 120 CORPORATE BLVD STE 1NORFOLK, VA 23502 (800) 772-1413

PERFORMANT FINANCIAL C 333 N CANYON PKWYLIVERMORE, CA 94551 (541) 955-7800

NCCINC/HANLEES NISSAN 5009 CHILES RDDAVIS, CA 95618 (530) 231-3000


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MIDLAND FUNDING 2365 NORTHSIDE DR STE 30SAN DIEGO, CA 92108 (844) 236-1959

LOANME INC 1 CITY BLVD W STE 900ORANGE, CA 92868 (855) 422-7430

LOANME INC 1 CITY BLVD W STE 900ORANGE, CA 92868 (855) 422-7430

KOHLS/CAPONE N56 W 17000 RIDGEWOOD DRMENOMONEE FALLS, WI 53051 (800) 564-5740

KOHLS/CAPONE N56 W 17000 RIDGEWOOD DRMENOMONEE FALLS, WI 53051 (262) 703-7000

KABBAGE INC 730 PEACHTREE ST NE STEATLANTA, GA 30308 (866) 210-4629

I C SYSTEM INC PO BOX 64378SAINT PAUL, MN 55164 (888) 735-0516

GM FINANCIAL PO BOX 181145ARLINGTON, TX 76096 (800) 284-2271

EXPERIAN BUSINESS CRED PO BOX 5001COSTA MESA, CA 92628 -

EQUIFAX MORTGAGE SERVI 815 E GATE DR STE 102MOUNT LAUREL, NJ 08054 (800) 333-0037

ECMC 1 IMATION PLOAKDALE, MN 55128 (651) 221-0566

CREDCO/QUICKEN LOANS PO BOX 509124SAN DIEGO, CA 92150 (800) 523-0233

CREDCO 10277 SCRIPPS RANCH BLVDSAN DIEGO, CA 92131 (800) 523-0233

CONTEMPORARY INFORMATI 42913 CAPITAL DR STE 101LANCASTER, CA 93535 (800) 288-4757

COMENITY BANK/VCTRSSEC 220 W SCHROCK RDWESTERVILLE, OH 43081 BYMAILONLY

COMENITY BANK/ANNTYLR 4590 E BROAD STCOLUMBUS, OH 43213 (614) 729-3000

CHASE CARD PO BOX 15298WILMINGTON, DE 19850 (800) 432-3117



CDK/WINTER CHEVROLET G 2101 RAILROAD AVEPITTSBURG, CA 94565 (562) 439-8222

CCS/FIRST NATIONAL BAN 500 E 60TH ST NSIOUX FALLS, SD 57104 (888) 883-9824

CAPITAL ONE BANK USA N 15000 CAPITAL ONE DRRICHMOND, VA 23238 (800) 955-7070

CAPITAL ONE AUTO FINAN 3901 DALLAS PKWYPLANO, TX 75093 BYMAILONLY

CAPITAL ONE AUTO FIN 3905 N DALLAS PKWYPLANO, TX 75093 (800) 946-0332

CAN CAPITAL MERC SRV,I 2015 VAUGHN RD NWKENNESAW, GA 30144 (888) 700-8181

BK OF AMER PO BOX 982238EL PASO, TX 79998 (800) 421-2110

BIZFI DIRECT FKA NEXT 450 PARK AVE S FL 6NEW YORK, NY 10016 (866) 585-7101

AMERIMERCH W/BANK LAKE 475 PARK AVE S FL 11NEW YORK, NY 10016 (212) 779-2100

AMERICAN HONDA FINANCE 10801 WALKER ST STE 140CYPRESS, CA 90630 (800) 408-6132

ALLIANCE CREDIT UNION 3315 ALMADEN EXPY STE 55SAN JOSE, CA 95118 (408) 445-3386

ACS/BANK OF AMERICA 501 BLEECKER STUTICA, NY 13501 BYMAILONLY

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