Personal Information
File Number:  197972020
Date issued: 11/12/2008
Name:
ERIN M. ODONNELL

 
You have been on our files since 08/2001
SSN:
494-94-5273
Date of Birth:
02/1983
 
Telephone
600-0221

CURRENT ADDRESS
Address: 
31 GLENWOOD DR.
FENTON, MO 63026
 
Date Reported: 
03/2007

PREVIOUS ADDRESSES
Address: 
1715 DANDRIDGE LN.
BARNHART, MO 63012

Date Reported: 
08/2001

EMPLOYMENT DATA REPORTED
Employer Name: 
CONVERGYS CORP
Date Reported: 
07/2003
Position: 

Date Hired: 
 

Special Notes: If any item on your credit report begins with 'MED1', it includes medical information and the data following 'MED1' is not displayed to anyone but you except where permitted by law.



Account Information
The key to the right helps explain the payment history information contained in some of the accounts below. Not all accounts will contain payment history information, but some creditors report how you make payments each month in relation to your agreement with them.

Adverse Accounts
The following accounts contain information that some creditors may consider to be adverse. Adverse account information may generally be reported for 7 years from the date of the first delinquency, depending on your state of residence. The adverse information in these accounts has been printed in >brackets< or is shaded for your convenience, to help you understand your report. They are not bracketed or shaded this way for creditors. (Note: The account # may be scrambled by the creditor for your protection).

LANE BRYANT #929413359

PO BOX 182121
COLUMBUS , OH 43218-2121
(800) 888-9265 

Balance: 
$198  
Date Updated: 
10/2007  
High Balance: 
$429 
Credit Limit: 
$810 
Past Due: 
$0 
Terms: 
Minimum $10 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
06/2003 
Loan Type: Charge Account

Late Payments

48 months

1 months 30 days late
>1< 		0 months 60 days late
0 		0 months 90 days late
0
Last 48

Months



















February 06, 30 Days late

Satisfactory Accounts
The following accounts are reported with no adverse information. (Note: The account # may be scrambled by the creditor for your protection).

AES #49494527300001

POB 2461
HARRISBURG , PA 17102-2461
(800) 233-0557 

Balance: 
$0  
Date Updated: 
10/2005  
High Balance: 
$5,500 
Collateral: 
DEFERRED TO 11302007 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Installment Account  
Responsibility: 
Individual Account  
Date Opened: 
09/2003 
Date Closed: 
10/2005 
Loan Type: Student Loan
Remark: 
Account closed due to refinance

Late Payments

25 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 25

Months
All months current

BANK OF AMERICA #374322045509821

4060 OGLETOWN STAN
MAIL CODE DE5-019-
NEWARK , DE 19713
(800) 421-2110 

Balance: 
$2,131  
Date Updated: 
11/2008  
High Balance: 
$2,794 
Credit Limit: 
$3,400 
Past Due: 
$0 
Terms: 
Minimum $38 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Joint Account  
Date Opened: 
04/2007 
Loan Type: Credit Card

Late Payments

19 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 19

Months
All months current

BANK OF AMERICA #4888931154246982

4060 OGLETOWN STAN
DE5-019-03-07
NEWARK , DE 19713
(800) 421-2110 

Balance: 
$1,069  
Date Updated: 
10/2008  
High Balance: 
$8,973 
Credit Limit: 
$9,100 
Past Due: 
$0 
Terms: 
Minimum $17 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
03/2003 
Loan Type: Credit Card

Late Payments

48 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 48

Months
All months current

BANK OF AMERICA #74975645967591

4060 OGLETOWN STAN
MAIL CODE DE5-019-
NEWARK , DE 19713
(800) 421-2110 

Balance: 
$1,091  
Date Updated: 
10/2008  
High Balance: 
$5,206 
Credit Limit: 
$10,000 
Past Due: 
$0 
Terms: 
Minimum $114 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Joint Account  
Date Opened: 
05/2008 
Loan Type: Line of Credit

Late Payments

5 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 5

Months
All months current

CBUSA/SEARS #5049940170761117

701 E 60TH ST NORT
PO BOX 6241
SIOUX FALLS , SD 57117
(800) 917-7700 

Balance: 
$0  
Date Updated: 
11/2008  
High Balance: 
$600 
Credit Limit: 
$1,000 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
09/2005 
Date Closed: 
02/2006 
Date Paid: 
02/2006 
Loan Type: Charge Account
Remark: 
Account closed by consumer

Late Payments

38 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 38

Months
All months current

CHASE AUTO FINANCE #10802617542409

14800 FRYE RD
FORT WORTH , TX 76155
(800) 336-6675 

Balance: 
$14,103  
Date Updated: 
10/2008  
High Balance: 
$15,498 
Past Due: 
$0 
Terms: 
$259 for 72 months 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Installment Account  
Responsibility: 
Joint Account  
Date Opened: 
01/2008 
Loan Type: Automobile

Late Payments

9 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 9

Months
All months current

CHASE BANK USA NA #5120121209068418

800 BROOKSEDGE BLV
WESTERVILLE , OH 43081
(800) 436-7939 

Balance: 
$0  
Date Updated: 
03/2007  
High Balance: 
$920 
Credit Limit: 
$2,000 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
03/2003 
Date Closed: 
02/2006 
Date Paid: 
04/2006 
Loan Type: Credit Card
Remark: 
Account closed by consumer

Late Payments

48 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 48

Months
All months current

CHASE/BANK ONE CARD SERV #4266841094844303

800 BROOKSEDGE BLV
WESTERVILLE , OH 43081
(800) 945-2000 

Balance: 
$1,652  
Date Updated: 
10/2008  
High Balance: 
$3,131 
Credit Limit: 
$3,000 
Past Due: 
$0 
Terms: 
Minimum $57 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
05/2006 
Loan Type: Credit Card

Late Payments

28 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 28

Months
All months current

CITI CARDS CBSD NA #4128004030031455

701 E 60TH ST N
SIOUX FALLS , SD 57104
(800) 950-5114 

Balance: 
$0  
Date Updated: 
06/2006  
Credit Limit: 
$3,000 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
02/2004 
Date Closed: 
02/2006 
Date Paid: 
03/2006 
Loan Type: Credit Card
Remark: 
Account closed by consumer

Late Payments

29 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 29

Months
All months current

CITIBANK CBSD NA #5424181013730069

701 E 60TH ST N
SIOUX FALLS , SD 57104
(800) 950-5114 

Balance: 
$0  
Date Updated: 
05/2006  
Credit Limit: 
$3,000 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
02/2004 
Date Closed: 
02/2006 
Date Paid: 
03/2006 
Loan Type: Credit Card
Remark: 
Account closed by consumer

Late Payments

28 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 28

Months
All months current

CITIZENS AUTO FINANC #2723827461

480 JEFFERSON BLVD
WARWICK , RI 02886-1359
(800) 708-6680 

Balance: 
$8,200  
Date Updated: 
10/2008  
High Balance: 
$8,389 
Past Due: 
$0 
Terms: 
$169 for 60 months 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Installment Account  
Responsibility: 
Joint Account  
Date Opened: 
08/2008 
Loan Type: Automobile

Late Payments

2 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 2

Months
All months current

CREDIT FIRST NATL ASSOC #563290560

PO BOX 81083
CLEVELAND , OH 44181-0083
(800) 321-3950 

Balance: 
$552  
Date Updated: 
10/2008  
High Balance: 
$602 
Past Due: 
$0 
Terms: 
Minimum $22 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
06/2006 
Loan Type: Charge Account

Late Payments

28 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 28

Months
All months current

DIRECT LOAN SVC SYSTEM #4949452732

PO BOX 5609
GREENVILLE , TX 75403-5609
(800) 848-0979 

Balance: 
$13,894  
Date Updated: 
10/2008  
High Balance: 
$14,292 
Past Due: 
$0 
Terms: 
$71 for 180 months 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Installment Account  
Responsibility: 
Individual Account  
Date Opened: 
10/2005 
Loan Type: Student Loan

Late Payments

36 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 10

Months
All months current

DIRECT LOAN SVC SYSTEM #4949452731

PO BOX 5609
GREENVILLE , TX 75403-5609
(800) 848-0979 

Balance: 
$0  
Date Updated: 
10/2005  
High Balance: 
$6,125 
Past Due: 
$0 
Terms: 
$64 for 120 months 
Pay Status: 
Unrated  
Account Type: 
Installment Account  
Responsibility: 
Individual Account  
Date Opened: 
08/2001 
Date Closed: 
10/2005 
Loan Type: Student Loan
Remark: 
Closed

Late Payments

48 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0

 

GEMB/LOWES #7981924261148571

PO BOX 981400
EL PASO , TX 79998
(800) 444-1408 

Balance: 
$2,838  
Date Updated: 
10/2008  
High Balance: 
$2,838 
Credit Limit: 
$7,200 
Past Due: 
$0 
Terms: 
Minimum $68 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Joint Account  
Date Opened: 
02/2008 
Loan Type: Charge Account

Late Payments

8 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 8

Months
All months current

GORDON'S/CBSD #6035253044826171

PO BOX 6497
SIOUX FALLS , SD 57117-6497
Phone number not available 

Balance: 
$0  
Date Updated: 
11/2008  
High Balance: 
$437 
Credit Limit: 
$500 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
10/2005 
Date Closed: 
09/2008 
Date Paid: 
07/2006 
Loan Type: Charge Account
Remark: 
Account closed by credit grantor

Late Payments

36 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 36

Months
All months current

HSBC BANK #5155930003646833

PO BOX 5253
CAROL STREAM , IL 60197
(800) 477-6000 

Balance: 
$0  
Date Updated: 
12/2007  
High Balance: 
$0 
Credit Limit: 
$500 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
12/2006 
Date Closed: 
12/2007 
Loan Type: Credit Card
Remark: 
Closed

Late Payments

12 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 12

Months
All months current

LANE BRYANT #6978000065244464

450 WINKS LANE
BENSALEM , PA 19020
(800) 888-4163 

Balance: 
$375  
Date Updated: 
10/2008  
High Balance: 
$429 
Credit Limit: 
$810 
Past Due: 
$0 
Terms: 
Minimum $19 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
06/2003 
Loan Type: Credit Card

Late Payments

32 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 32

Months
All months current

MOHELA #130637649MO00002

633 SPIRIT DRIVE
CHESTERFIELD , MO 63005
(800) 666-4352 

Balance: 
$8,500  
Date Updated: 
10/2008  
High Balance: 
$8,500 
Collateral: 
DEFERRED TO 11162014 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Installment Account  
Responsibility: 
Individual Account  
Date Opened: 
02/2008 
Loan Type: Student Loan
Remark: 
Payment deferred

Late Payments

7 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 7

Months
All months current

MOHELA #130637649MO00003

14528 S OUTER 40
CHESTERFIELD , MO 63017-5785
(800) 666-4352 

Balance: 
$5,500  
Date Updated: 
10/2008  
High Balance: 
$5,500 
Collateral: 
DEFERRED TO 11162014 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Installment Account  
Responsibility: 
Individual Account  
Date Opened: 
08/2008 
Loan Type: Student Loan
Remark: 
Payment deferred

Late Payments

1 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 1

Months
All months current

TNB-TARGET #346092655

P O BOX 673
MINNEAPOLIS , MN 55440-0673
(800) 659-2396 

Balance: 
$0  
Date Updated: 
10/2008  
High Balance: 
$63 
Credit Limit: 
$500 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
10/2005 
Date Closed: 
02/2006 
Date Paid: 
11/2005 
Loan Type: Charge Account
Remark: 
Account closed by consumer

Late Payments

37 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 37

Months
All months current

ZALE/CBSD #6035251072941102

PO BOX 6497
SIOUX FALLS , SD 57117-6497
(800) 586-6923 

Balance: 
$0  
Date Updated: 
02/2004  
High Balance: 
$445 
Credit Limit: 
$800 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
11/2002 
Date Paid: 
09/2003 
Loan Type: Combined Credit Plan

Late Payments

16 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 16

Months
All months current

Regular Inquiries
The following companies have received your credit report. Their inquiries remain on your credit report for two years.

2602 PULASKI BANK via FACTUAL DATA-NATIONAL
5200 HAHNS PEAK DR
LOVELAND , CO 80538
(970) 663-5700 

 Requested On:
Inquiry Type:
 08/19/2008
Individual
 Permissible Purpose:  CREDIT TRANSACTION 

Suntrup Buick via 700CR/SUN TRUP BUICK PON
4200 NORTH SERVICE
ST PETERS , MO 63376
(636) 939-0800 

 Requested On:
Inquiry Type:
 08/07/2008
Individual
 Permissible Purpose:  CREDIT TRANSACTION 

CHASE AUTO FINANCE
1800 S. NAPERVILLE
WHEATON , IL 60187
Phone number not available 

 Requested On:
Inquiry Type:
 08/07/2008
Joint
  

GMAC-BR 585
P.O. BOX 2150
GREELY , CO 80632
(800) 200-4622 

 Requested On:
Inquiry Type:
 08/07/2008
Individual
  

JIM BUTLER CHEVROLET via ADP/JIM BUTLER CHEVROLET
9900 WATSON ROAD
CRESTWOOD , MO 63126
(314) 966-3311 

 Requested On:
Inquiry Type:
 01/26/2008
Individual
 Permissible Purpose:  CREDIT TRANSACTION 

CHASE AUTO FINANCE
1800 S. NAPERVILLE
WHEATON , IL 60187
Phone number not available 

 Requested On:
Inquiry Type:
 01/26/2008
Joint
  

GMAC-BR 585
P.O. BOX 2150
GREELY , CO 80632
(800) 200-4622 

 Requested On:
Inquiry Type:
 01/26/2008
Individual
  

HSBC COMP USA
P.O. BOX 15519
WILMINGTON , DE 19850
(302) 425-3500 

 Requested On:
Inquiry Type:
 11/22/2007
Individual
  

BANK OF AMERICA
801 N. 11TH STREET
MO1-801-03-02
ST LOUIS , MO 63101
Phone number not available 

 Requested On:
Inquiry Type:
 06/05/2007
Individual
  

2602 HOMESTEAD FINAN via FACTUAL DATA-NATIONAL
5200 HAHNS PEAK DR
LOVELAND , CO 80538
(970) 663-5700 

 Requested On:
Inquiry Type:
 06/05/2007
Individual
 Permissible Purpose:  CREDIT TRANSACTION 

Inquiry Analysis
The companies listed in the regular inquiry section of your report that received your file in the last 90 days provided the following input on their request.

FACTUAL DATA-NATIONAL
 
Requested On: 08/19/2008

 Identifying information they provided:
ERIN M ODONNELL

31 GLENWOOD
FENTON, MO 63026

Promotional Inquires
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 credit score.

DISCOVER FINCL SVC LLC
PO BOX 15316
WILMINGTON , DE 19850-5316
Phone number not available 

 Requested On:
 10/2008
   

DISCOVER FINCL SVC LLC
PO BOX 15316
WILMINGTON , DE 19850-5316
Phone number not available 

 Requested On:
 09/2008
   

ELAN VISA
PO BOX 2066
MILWAUKEE , WI 53201-2066
Phone number not available 

 Requested On:
 09/2008
   

AMERICAN EXPRESS
PO BOX 981537
EL PASO , TX 79998
(800) 874-2717 

 Requested On:
 09/2008
   

CITIFINANCIAL
POB 499
HANOVER , MD 21076
(800) 352-6070 

 Requested On:
 08/2008
   

DIRECT LENDING SOURCE
2555 NASSAU LN
FT LAUDERDALE , FL 33312-4617
Phone number not available 

 Requested On:
 08/2008
   

FARMERS INSURANCE
4680 WILSHIRE BLVD
LOS ANGELES , CA 90010-3807
Phone number not available 

 Requested On:
 08/2008
   

DISCOVER FINCL SVC LLC
PO BOX 15316
WILMINGTON , DE 19850-5316
Phone number not available 

 Requested On:
 08/2008
   

DISCOVER FINCL SVC LLC
PO BOX 15316
WILMINGTON , DE 19850-5316
Phone number not available 

 Requested On:
 08/2008
   

FST BANK SYSTEM
1100 SOO LINE BLDG
MINNEAPOLIS , MN 55402
(612) 370-4141 

 Requested On:
 08/2008
   

WASHMTL/PROV
P O BOX 9007
PLEASANTON , CA 94566
Phone number not available 

 Requested On:
 07/2008
   

DISCOVER FINCL SVC LLC
PO BOX 15316
WILMINGTON , DE 19850-5316
Phone number not available 

 Requested On:
 07/2008
   

AMERICAN EXPRESS
PO BOX 981537
EL PASO , TX 79998
(800) 874-2717 

 Requested On:
 07/2008
   

CITI CARDS CBSD
POB 6241
SIOUX FALLS , SD 57117
(800) 995-5114 

 Requested On:
 07/2008
   

BARCLAYS BANK DELAWARE
125 SOUTH WEST STR
WILMINGTON , DE 19801
(302) 888-1400 

 Requested On:
 06/2008
   

ELAN VISA
PO BOX 2066
MILWAUKEE , WI 53201-2066
Phone number not available 

 Requested On:
 06/2008
   

AMERICAN EXPRESS
PO BOX 981537
EL PASO , TX 79998
(800) 874-2717 

 Requested On:
 06/2008
   

CITI CARDS CBSD
POB 6241
SIOUX FALLS , SD 57117
(800) 995-5114 

 Requested On:
 06/2008
   

FST BANK SYSTEM
1100 SOO LINE BLDG
MINNEAPOLIS , MN 55402
(612) 370-4141 

 Requested On:
 05/2008
   

MBNA AMERICA BANK NA PR
MBNA AMERICA BANK
WILMINGTON , DE 00000
(800) 421-2110 

 Requested On:
 05/2008
   

CITI CARDS CBSD
POB 6241
SIOUX FALLS , SD 57117
(800) 995-5114 

 Requested On:
 05/2008
   

DISCOVER FINCL SVC LLC
PO BOX 15316
WILMINGTON , DE 19850-5316
Phone number not available 

 Requested On:
 05/2008
   

WARRANTY ACTIVATION HEAD
12244 TESSON FERRY
SAINT LOUIS , MO 63128
(800) 376-5553 

 Requested On:
 04/2008
   

T-MOBILE
12920 SE 38TH ST
BELLEVIEW , WA 98006
(800) 937-8997 

 Requested On:
 04/2008
   

MBNA AMERICA BANK NA PR
MBNA AMERICA BANK
WILMINGTON , DE 00000
(800) 421-2110 

 Requested On:
 04/2008
   

ELAN VISA
PO BOX 2066
MILWAUKEE , WI 53201-2066
Phone number not available 

 Requested On:
 04/2008
   

CITI CARDS CBSD
POB 6241
SIOUX FALLS , SD 57117
(800) 995-5114 

 Requested On:
 04/2008
   

CITI CARDS CBSD
POB 6241
SIOUX FALLS , SD 57117
(800) 995-5114 

 Requested On:
 03/2008
   

DISCOVER FINCL SVC LLC
PO BOX 15316
WILMINGTON , DE 19850-5316
Phone number not available 

 Requested On:
 03/2008
   

SECURITY NATIONAL WARRAN
1400 SOUTH WOLF RO
WHEELING , IL 60090
(847) 495-0068 

 Requested On:
 02/2008
   

CAPITAL ONE BANK USA NA
POB 30281
SALT LAKE CITY , UT 84130-0281
(800) 955-7070 

 Requested On:
 02/2008
   

CITI CARDS CBSD
POB 6241
SIOUX FALLS , SD 57117
(800) 995-5114 

 Requested On:
 02/2008
   

CITIFINANCIAL
POB 499
HANOVER , MD 21076
(800) 352-6070 

 Requested On:
 02/2008
   

DISCOVER FINCL SVC LLC
PO BOX 15316
WILMINGTON , DE 19850-5316
Phone number not available 

 Requested On:
 02/2008
   

CITI CARDS CBSD
POB 6241
SIOUX FALLS , SD 57117
(800) 995-5114 

 Requested On:
 01/2008
   

DISCOVER FINCL SVC LLC
PO BOX 15316
WILMINGTON , DE 19850-5316
Phone number not available 

 Requested On:
 01/2008
   

HSBC BANK NV FKA HHLB
POB 19360
PORTLAND , OR 97280
(800) 477-6000 

 Requested On:
 01/2008
   

T-MOBILE
12920 SE 38TH ST
BELLEVIEW , WA 98006
(800) 937-8997 

 Requested On:
 12/2007
   

CAPITAL ONE BANK USA NA
POB 30281
SALT LAKE CITY , UT 84130-0281
(800) 955-7070 

 Requested On:
 12/2007
   

CITI CARDS CBSD
POB 6241
SIOUX FALLS , SD 57117
(800) 995-5114 

 Requested On:
 12/2007
   

CITI SD/THE HOME DEPOT
POB 6497
SIOUX FALLS , SD 57117
(800) 677-0232 

 Requested On:
 12/2007
   

CITIFINANCIAL
POB 499
HANOVER , MD 21076
(800) 352-6070 

 Requested On:
 12/2007
   

CAPITAL ONE BANK USA NA
POB 30281
SALT LAKE CITY , UT 84130-0281
(800) 955-7070 

 Requested On:
 11/2007
   

CITI CARDS CBSD
POB 6241
SIOUX FALLS , SD 57117
(800) 995-5114 

 Requested On:
 11/2007
   

Account Review Inquiries
The companies listed below obtained information from your consumer report for the purpose of an account review or other business transaction with you. These inquiries are not displayed to anyone but you and will not affect any creditor's decision or any score (except insurance companies may have access to other insurance company inquiries, where permitted by law).

BANK OF AMERICA
pe
4161 PIEDMONT PKWY
1825 E BUCKEYE RD
GREENSBORO , NC 27410
(800) 451-6362 

 Requested On:
 11/2008
  

AMERICAN FAMILY INS. via AMERICAN FAMILY INSURANC
pe
6000 AMERICAN PARK
MADISON , WI 53783
Phone number not available 

 Requested On:
 10/2008
 Permissible Purpose:  INSURANCE UNDERWRITING  

CITI SD-PRIVTE LABL RETL
pe
POB 6497
SIOUX FALLS , SD 57117
(423) 467-8484 

 Requested On:
 06/2008
  

CREDIT FIRST NA
pe
6275 EASTLAND RD
BROOK PARK , OH 44142-1301
(216) 362-5000 

 Requested On:
 06/2008
  

Should you wish to contact TransUnion, you may do so,




Report an Inaccuracy:
To learn about reporting an inaccuracy click here.

By Mail:
TransUnion Consumer Relations
PO Box 2000
Chester, PA 19022-2000

By Phone:
(800) 916-8800
Our business hours in your time zone are 8:30 a.m. to 4:30 p.m., Monday through Friday, except major holidays. Please have your TransUnion file number available (located at the top of this report).

Consumer rights

Para informacion en espanol, visite www.ftc.gov/credit o escribe a la FTC Consumer Response Center, Room 130-A, 600 Pennsylvania Ave., N.W., Washington, D.C. 20580.

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.ftc.gov/credit, or write to Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave., N.W., Washington. D.C. 20580.

You must be told if information in your file has been used against you.


Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment -- or to take another adverse action against you -- must tell you, and must give you the name, address, and phone number of the agency that provided the information.

You have the right to know what is in your file.


You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security Number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
  • a person has taken adverse action against you because of information in your credit report;
  • you are the victim of identity theft and place a fraud alert in your file;
  • your file contains inaccurate information as a result of fraud;
  • you are on public assistance;
  • you are unemployed but expect to apply for employment within 60 days.
In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for more 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.ftc.gov/credit 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, the consumer reporting agency is not required to remove accurate derogatory information from your file unless it is outdated (as described below) or cannot be verified. 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.ftc.gov/credit.

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 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.ftc.gov/credit.

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. Federal enforcers are:


TYPE OF BUSINESS: CONTACT:
Consumer reporting agencies, creditors and others not listed below. Federal Trade Commission
Consumer Response Center - FCRA
Washington, DC 20580
1-877-382-4357
National banks, federal branches/agencies of foreign banks
(word "National" or initials "N.A." appear in or after bank's name) 		Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219
1-800-613-6743
Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Board
Division of Consumer & Community Affairs
Washington, DC 20551
1-202-452-3693
Savings associations and federally chartered savings banks
(word "Federal" or initials "F.S.B." appear in federal institution's name) 		Office of Thrift Supervision
Consumer Complaints
Washington, DC 20552
1-800-842-6929
Federal credit unions
(words "Federal Credit Union" appear in institution's name) 		National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314
1-703-519-4600
State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation
Consumer Response Center
2345 Grand Avenue, Suite 100
Kansas City, Missouri 64108-2638
1-877-275-3342
Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation
Office of Financial Management
Washington, DC 20590
1-202-366-1306
Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250
1-202-720-7051

Information Regarding State Laws
Missouri Residents
Missouri 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 your credit report without your express authorization. A security freeze must be requested in writing by mail or via other approved methods. 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, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale. When you place a security freeze on your credit report, you will be provided a personal identification number or password to use if you choose to remove the freeze on your credit report or to authorize the release of your credit report for a period of time after the freeze is in plac To provide that authorization you must contact the consumer credit reporting agency and provide all of the following:


1. The personal identification number or password;
2. Proper identification to verify your identity; and
3. The proper information regarding the period of time or the specific party for which the report shall be available.


A consumer credit reporting agency must authorize the release of your credit report no later than 15 minutes after receiving the above information, under certain circumstances.


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 your credit report for the purposes reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.


You have a right to bring civil action against anyone, including a consumer reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data.