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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 key(s) below are provided to help you understand some of
the account information that could be reported.
Rating Key
Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings in the key below describe the payments that may be reported
by your creditors. Please note: Some but not all of these ratings may be present in your credit report.
Remarks Key
Additionally, some creditors may notate your account with comments each month. We refer to these creditor comments as 'Remarks'. The key below gives the descriptions of the
abbreviated remarks contained in your credit file. Any remark containing brackets > < indicates that this remark is considered adverse.
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.
Date Opened: 07/16/2016 Date Updated: 03/30/2018 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $0 Agreed
Page 1 of 18
Account Type: Installment Account Last Payment Made: 03/28/2018 Terms: $0 per month, paid Monthly
Loan Type: AUTOMOBILE for 75 months
Date Closed: 03/30/2018
03/2018 02/2018 01/2018 12/2017 11/2017 10/2017 09/2017 08/2017 07/2017 06/2017
Balance $0 $31,408 $31,826 $32,347 $32,812 $33,064 $33,064 $33,064 $33,064 $33,064
Scheduled $0 $631 $631 $631 $631 $631 $631 $631 $631 $631
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016 10/2016 09/2016 08/2016
Balance $34,194 $35,250 $36,087 $37,295 $37,741 $38,241 $38,682 $39,122 $39,607 $39,701
Scheduled $631 $631 $631 $631 $631 $631 $631 $631 $631 $631
Payment
Amount Paid $1,200 $1,000 $1,300 $631 $631 $631 $631 $631 $262 $1,000
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
07/2016
Balance $40,519
Scheduled $631
Payment
Amount Paid $0
Past Due $0
Rating OK
Date Opened: 06/19/2017 Date Updated: 08/31/2018 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $585 Agreed
Account Type: Installment Account Last Payment Made: 08/16/2018 Terms: $585 per month, paid
Monthly for 240 months
Loan Type: RECREATIONAL
MERCHANDISE
Page 2 of 18
08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017 11/2017
Balance $76,329 $76,494 $76,660 $76,836 $76,998 $77,173 $77,333 $77,534 $77,694 $77,854
Scheduled $585 $585 $585 $585 $585 $585 $585 $585 $585 $585
Payment
Amount Paid $585 $0 $585 $585 $585 $585 $585 $585 $0 $341
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
Past Due $0 $0 $0 $0 $0
Rating OK OK OK OK OK
Date Opened: 09/01/2017 Date Updated: 09/20/2018 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $0 Agreed
Account Type: Revolving Account Terms: Paid Monthly
Loan Type: FLEXIBLE
SPENDING CREDIT
CARD
High Balance: High balance of $0 from 09/2017 to 10/2017; $95 from 11/2017 to 09/2018
Credit Limit: Credit limit of $20,000 from 09/2017 to 09/2018
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017
Balance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Amount Paid $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
Balance $0 $0 $0
Amount Paid $0 $0 $0
Past Due $0 $0 $0
Rating OK OK OK
Date Opened: 02/21/2014 Date Updated: 09/17/2018 Pay Status: Current; Paid or Paying as
Page 3 of 18
Responsibility: Individual Account Last Payment Made: 08/07/2018 Agreed
Account Type: Revolving Account Terms: $25 per month, paid
Loan Type: CREDIT CARD Monthly
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017
Balance $254 $0 $261 $259 $34 $71 $305 $712 $216 $144
Scheduled $25 $25 $25 $25 $25 $25 $25 $25 $25
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286
Rating OK OK OK OK OK OK OK OK OK OK
11/2017 10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017
Balance $2,070 $4,124 $3,531 $535 $721 $611 $378 $1,055 $1,066 $6,141
Scheduled $104 $123 $85 $25 $25 $25 $25 $35 $60 $183
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,141
Rating OK OK OK OK OK OK OK OK OK OK
01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016
Balance $4,140 $5,327 $5,006 $4,197 $2,543 $2,218 $916 $1,784 $0 $206
Scheduled $149 $142 $145 $117 $77 $31 $26 $25 $25
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $5,363 $5,327 $5,006 $4,197 $3,511 $3,511 $3,471 $3,471 $3,471 $3,471
Rating OK OK OK OK OK OK OK OK OK OK
03/2016 02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015
Rating OK OK OK OK OK OK OK OK OK OK
05/2015 04/2015 03/2015 02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014
Rating OK OK OK OK OK OK OK OK OK OK
Rating OK OK OK OK OK
Date Opened: 06/13/2015 Date Updated: 09/08/2018 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Last Payment Made: 08/07/2018 Agreed
Terms: $25 per month, paid
Page 4 of 18
Account Type: Revolving Account Monthly
Loan Type: CREDIT CARD
Credit Limit: Credit limit of $3,500 from 03/2016 to 01/2018; $6,500 from 02/2018 to 09/2018
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017
Balance $1,418 $124 $263 $3,028 $2,130 $3,875 $1,039 $2,678 $1,524 $646
Scheduled $25 $25 $25 $58 $64 $38 $30 $58 $25 $25
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $4,967 $4,967 $4,967 $4,967 $4,099 $3,875 $3,679 $3,679 $3,679 $3,679
Rating OK OK OK OK OK OK OK OK OK OK
11/2017 10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017
Balance $2,059 $3,051 $1,766 $1,094 $1,157 $1,374 $2,456 $1,661 $1,620 $3,211
Scheduled $84 $88 $42 $25 $25 $25 $25 $29 $57 $89
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $3,679 $3,679 $3,418 $3,418 $3,418 $3,418 $3,418 $3,418 $3,418 $3,418
Rating OK OK OK OK OK OK OK OK OK OK
01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016
Balance $2,289 $2,574 $2,717 $2,355 $2,620 $1,504 $822 $135 $580 $736
Scheduled $64 $78 $76 $71 $76 $35 $25 $25 $25 $25
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $3,418 $3,060 $3,060 $3,060 $3,060 $2,206 $2,206 $2,206 $2,206 $2,206
Rating OK OK OK OK OK OK OK OK OK OK
Rating OK OK OK OK OK OK OK OK OK
Date Opened: 05/16/2017 Date Updated: 09/05/2018 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Last Payment Made: 08/16/2018 Agreed
Account Type: Revolving Account Terms: Paid Monthly
Date Paid: 08/16/2018
Loan Type: FLEXIBLE
SPENDING CREDIT
CARD
Credit Limit: Credit limit of $17,000 from 06/2017 to 01/2018; $22,000 from 02/2018 to 02/2018; $22,000 from 04/2018 to 09/2018
Page 5 of 18
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $7,256 $7,256 $7,256 $7,256 $7,256 $7,256 $7,256 $7,256 $7,256
Rating OK OK OK OK OK OK OK OK OK OK
Past Due $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK
02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009
Rating OK OK OK OK OK OK OK OK OK OK
04/2009 03/2009 02/2009 01/2009 12/2008 11/2008 10/2008 09/2008 08/2008 07/2008
Rating OK OK OK OK OK OK OK OK OK OK
Rating OK OK OK
Date Opened: 11/11/2014 Date Updated: 08/25/2018 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $94 Agreed
Account Type: Revolving Account Last Payment Made: 03/24/2018 Terms: Paid Monthly
Date Paid: 03/24/2018
Loan Type: CHARGE
ACCOUNT
High Balance: High balance of $501 from 03/2016 to 05/2016; $501 from 07/2016 to 08/2018
Page 6 of 18
08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017 11/2017
Amount Paid $94 $94 $94 $94 $94 $0 $118 $100 $0 $27
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Credit Limit $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $4,400 $4,400
Rating OK OK OK OK OK OK OK OK OK OK
10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017 01/2017
Balance $119 $144 $0 $115 $213 $493 $128 $99 $204 $173
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Credit Limit $4,400 $4,400 $4,400 $3,750 $3,750 $3,750 $3,000 $3,000 $3,000 $3,000
Rating OK OK OK OK OK OK OK OK OK OK
12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016 03/2016
Balance $226 $321 $341 $360 $69 $94 $237 $332 $425
Scheduled $27 $27 $27 $27 $27 $27 $27 $25 $25
Payment
Amount Paid $100 $27 $27 $100 $27 $100 $100 $100 $100
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0
Credit Limit $3,000 $3,000 $3,000 $2,850 $2,850 $2,200 $2,200 $2,200 $1,450
Rating OK OK OK OK OK OK OK OK OK OK
02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015
Rating OK OK OK OK OK OK OK OK OK OK
Rating OK OK OK OK OK OK
Date Opened: 01/12/2016 Date Updated: 11/22/2017 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $0 Agreed
Account Type: Revolving Account Last Payment Made: 04/11/2017 Terms: Paid Monthly
Date Closed: 03/20/2017
Loan Type: CREDIT CARD
Date Paid: 04/11/2017
Credit Limit: Credit limit of $500 from 03/2016 to 02/2017; $700 from 03/2017 to 05/2017; $700 from 11/2017 to 11/2017
Page 7 of 18
11/2017 10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017
Past Due $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $391 $363 $204 $204 $204 $204 $204 $204 $204 $204
Rating OK OK OK OK OK OK OK OK OK OK
03/2016 02/2016
Balance $55
Scheduled $25
Payment
Past Due $0
Rating OK OK
Date Opened: 08/18/2014 Date Updated: 08/23/2017 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $0 Agreed
Account Type: Revolving Account Last Payment Made: 04/07/2017 Terms: Paid Monthly
Date Closed: 03/20/2017
Loan Type: CREDIT CARD
Date Paid: 04/07/2017
High Balance: High balance of $836 from 03/2016 to 04/2017; $836 from 08/2017 to 08/2017
Credit Limit: Credit limit of $1,050 from 03/2016 to 08/2016; $1,300 from 09/2016 to 02/2017; $1,550 from 03/2017 to 04/2017; $1,550 from 08/2017 to 08/2017
Page 8 of 18
08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016
Past Due $0 $0 $0 $0 $0 $0 $0
CBC CBC
Remarks CLO CLO CBC
Rating OK OK OK OK OK OK OK OK OK OK
10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016 03/2016 02/2016 01/2016
Past Due $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015
Rating OK OK OK OK OK OK OK OK OK OK
Rating OK OK OK OK OK OK
Date Opened: 03/12/2018 Date Updated: 08/31/2018 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $394 Agreed
Account Type: Installment Account Last Payment Made: 08/27/2018 Terms: $394 per month, paid
Monthly for 72 months
Loan Type: AUTOMOBILE
Past Due $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK
Page 9 of 18
3820 N LOUISE AVE
SIOUX FALLS, SD 57107-0145
(800) 987-5521
Date Opened: 11/02/2014 Date Updated: 08/10/2017 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $0 Agreed
Account Type: Revolving Account Last Payment Made: 05/20/2017 Terms: Paid Monthly
Date Closed: 05/04/2017
Loan Type: CREDIT CARD
Date Paid: 05/20/2017
Credit Limit: Credit limit of $450 from 03/2016 to 11/2016; $750 from 12/2016 to 06/2017; $750 from 08/2017 to 08/2017
08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $465 $465 $465 $465 $465 $414 $414 $414 $360
CBC CBC
Remarks CLO CLO CBC
Rating OK OK OK OK OK OK OK OK OK OK
10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016 03/2016 02/2016 01/2016
Past Due $0 $0 $0 $0 $0 $0 $0 $0
High Balance $346 $345 $345 $345 $345 $345 $345 $345
Rating OK OK OK OK OK OK OK OK OK OK
12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015
Rating OK OK OK OK OK OK OK OK OK OK
Rating OK OK OK OK
Date Opened: 03/03/2018 Date Updated: 09/04/2018 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $399 Agreed
Account Type: Installment Account Last Payment Made: 08/30/2018 Terms: $399 per month, paid
Monthly for 36 months
Loan Type: AUTO LEASE
Page 10 of 18
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018
Past Due $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK
Date Opened: 11/11/2015 Date Updated: 04/25/2017 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $0 Agreed
Account Type: Installment Account Last Payment Made: 04/21/2017 Terms: $368 per month, paid
Monthly for 72 months
Loan Type: AUTOMOBILE
Date Closed: 04/25/2017
High Balance: High balance of $21,608 from 03/2016 to 03/2016; $21,608 from 05/2016 to 04/2017
Remarks: CLOSED
04/2017 03/2017 02/2017 01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016
Balance $0 $15,536 $15,815 $15,823 $15,734 $15,645 $15,558 $15,469 $15,383 $15,293
Scheduled $368 $368 $368 $368 $368 $368 $368 $368 $368 $368
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
Past Due $0 $0 $0
Rating OK OK OK OK OK OK OK OK
Page 11 of 18
10/2008 09/2008
Rating OK X
Date Opened: 03/31/2016 Date Updated: 09/09/2018 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $0 Agreed
Account Type: Revolving Account Last Payment Made: 08/01/2017 Terms: Paid Monthly
Date Paid: 08/01/2017
Loan Type: CHARGE
ACCOUNT
High Balance: High balance of $93 from 03/2016 to 05/2017; $227 from 06/2017 to 09/2018
Credit Limit: Credit limit of $800 from 03/2016 to 05/2016; $1,000 from 06/2016 to 09/2018
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017
Balance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Scheduled
Payment
Amount Paid $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
11/2017 10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016
Balance $0 $0 $0 $0 $0 $0 $0 $0 $0 $93
Scheduled $25
Payment
Amount Paid $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
03/2016
Rating OK
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.
Page 12 of 18
QUICKEN LOANS via EMSEQUIFAX MORTGAGE SVCS GAUDIN FORD via 700CRGAUDIN FORD
815 EAST GATE DR STE 102 6625 ROY HORN WY
E GATE CORPORATE CENTER LAS VEGAS, NV 89118
MOUNT LAUREL, NJ 08054 Phone number not available
(800) 333-0037
Requested On: 02/27/2018
Requested On: 08/20/2018 Inquiry Type: Individual
Inquiry Type: Individual Permissible Purpose: CREDIT TRANSACTION
Permissible Purpose: CREDIT TRANSACTION
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).
Requested On: 09/16/2018, 09/14/2018, 09/13/2018, 09/21/2017, 09/17/2017, Requested On: 09/13/2018
09/16/2017, 10/14/2016
Permissible Purpose: COLLECTION
Page 13 of 18
Requested On: 09/11/2018 Requested On: 09/09/2018
T-MOBILE ER SOLUTIONS
12920 SE 38TH ST P O BOX 9004
BELLEVIEW, WA 98006 RENTON, WA 98057
(800) 937-8997 (800) 444-8485
Page 14 of 18
Requested On: 12/01/2016
Permissible Purpose: COLLECTION
PROMOTIONAL OPT-OUT: This file has been opted out of promotional lists supplied by TransUnion.
(Note: This opt-out has no expiration date.)
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.
The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following
information.
QUICKEN LOANS via EMSEQUIFAX MORTGAGE SVCS Identifying information they provided:
MICHAEL HERMANSEN
Requested On: 08/20/2018 2806 OASIS CIR
HENDERSON, NV 89074-3227
By Mail:
TransUnion Consumer Relations
P.O. Box 2000
Chester, PA 19016-2000
By Phone:
(800) 916-8800
You may contact us between the hours of 8:00 a.m. and 11:00 p.m. Eastern Time, Monday
through Friday, except major holidays.
For all correspondence, please have your TransUnion file number available
(located at the top of this report).
Page 15 of 18
Para informacion en espanol, visite www.consumerfinance.gov o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W. Washington,
DC 20552.
Page 16 of 18
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 Bureau of Consumer Financial Protection
billion and their affiliates 1700 G Street NW
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit unions also Federal Trade Commission
should list, in addition to the CFPB: Consumer Response Center - FCRA
Washington, DC 20580 1-877-382-4357
2. To the extent not included in item 1 above: Office of the Comptroller of the Currency
a. National banks, federal savings associations, and federal branches and federal Customer Assistance Group
agencies of foreign banks 1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
b. State member banks, branches and agencies of foreign banks (other than federal Federal Reserve Consumer Help (FRCH)
branches, federal agencies, and insured state branches of foreign banks), PO Box 1200
commercial lending companies owned or controlled by foreign banks, and Minneapolis, MN 55480 1-888-851-1920
organizations operating under section 25 or 25A of the Federal Reserve Act
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and FDIC Consumer Response Center
Insured state savings associations 1100 Walnut Street, Box #11
Kansas City, MO 64106
d. Federal Credit Unions National Credit Union Administration
Office of Consumer Protection (OCP)
Division of Consumer 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, S.E.
Washington, DC 20590 1-202-366-1306
4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Washington, DC 20423
5. Creditors subject to Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area
supervisor
6. Small Business Investment Companies Associate Deputy Administrator for Capital Access
Page 17 of 18
United States Small Business Administration
409 Third Street, SW, 8th Floor
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission
100 F Street NE
Washington, DC 20549
8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Farm Credit Administration
Credit Banks, and Production Credit Associations 1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor
operates or
Federal Trade Commission: Consumer Response
Center-FCRA
Washington, DC 20580 1-877-382-4357
Page 18 of 18