Personal Information
File Number:  197958684
Date issued: 11/12/2008
Name:
SHAWN ODONNELL

Other Names: 
SHAWN E. ODENNEL
 
SHAWN O. DONNELL
 
You have been on our files since 05/2002
SSN:
494-94-8988
Date of Birth:
04/1980
 
Telephone
600-0221

CURRENT ADDRESS
Address: 
31 GLENWOOD DR.
FENTON, MO 63026
 
Date Reported: 
12/2004

PREVIOUS ADDRESSES
Address: 
134 GRANDVIEW DR.
FENTON, MO 63026

Date Reported: 
05/2002

EMPLOYMENT DATA REPORTED
Employer Name: 
CHARTER COMMUNICATIONS
Date Reported: 
11/2005
Position: 

Date Hired: 
 
Employer Name: 
CHARTER COMMINUCATIO
Date Reported: 
04/2004
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.

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

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 #4888603216270082

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

Balance: 
$942  
Date Updated: 
11/2008  
High Balance: 
$3,638 
Credit Limit: 
$13,500 
Past Due: 
$0 
Terms: 
Minimum $15 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
08/2004 
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

BANK OF AMERICA #68911010598899

4161 PIEDMONT PKWY
NC4-105-01-34
GREENSBORO , NC 27410-8110
(800) 215-6195 

Balance: 
$0  
Date Updated: 
10/2007  
High Balance: 
$23,376 
Credit Limit: 
$25,000 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Line of Credit Account  
Responsibility: 
Individual Account  
Date Opened: 
12/2005 
Date Closed: 
10/2007 
Date Paid: 
10/2007 
Loan Type: Home Equity Loan
Remark: 
Account closed by consumer

Late Payments

23 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 23

Months
All months current

BANK OF AMERICA MORTGAGE #1333308241508

475 CROSSPOINT PKW
NY2-001-02-14
GETZVILLE , NY 14068-9000
(800) 444-4302 

Balance: 
$106,457  
Date Updated: 
10/2008  
High Balance: 
$107,480 
Collateral: 
Freddie Mac 477858880 
Past Due: 
$0 
Terms: 
$843 for 360 months 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Mortgage Account  
Responsibility: 
Individual Account  
Date Opened: 
10/2007 
Loan Type: Conventional Real Estate Mtg

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

BANK OF AMERICA MORTGAGE #1333300771130

475 CROSSPOINT PKW
NY2-001-02-14
GETZVILLE , NY 14068-9000
(800) 444-4302 

Balance: 
$0  
Date Updated: 
10/2007  
High Balance: 
$85,500 
Collateral: 
Fannie Mae 1697244744 
Past Due: 
$0 
Terms: 
$618 for 360 months 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Mortgage Account  
Responsibility: 
Individual Account  
Date Opened: 
09/2004 
Date Closed: 
10/2007 
Loan Type: Conventional Real Estate Mtg
Remark: 
Closed

Late Payments

35 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 35

Months
All months current

CAPITAL ONE BANK USA NA #4862362229029288

POB 30281
SALT LAKE CITY , UT 84130-0281
(800) 955-7070 

Balance: 
$0  
Date Updated: 
10/2008  
High Balance: 
$792 
Credit Limit: 
$3,000 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
07/2002 
Date Paid: 
02/2005 
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

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-CIRCUIT CITY #1820000004693855

800 BROOKSEDGE BLV
WESTERVILLE , OH 43081
(800) 955-9900 

Balance: 
$0  
Date Updated: 
10/2008  
High Balance: 
$1,774 
Credit Limit: 
$4,700 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
09/2005 
Date Paid: 
05/2007 
Loan Type: Credit Card

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

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

GECCCC/ULT ELCTRN/GEMB #6030090224580250

PO BOX 981127
MAIL CODE OH 3-425
EL PASO , TX 79998
(866) 396-8254 

Balance: 
$0  
Date Updated: 
10/2008  
High Balance: 
$985 
Credit Limit: 
$1,000 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
04/2003 
Date Closed: 
02/2008 
Date Paid: 
12/2004 
Loan Type: Charge Account
Remark: 
Account closed by credit grantor

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

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 #6035253044958701

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

Balance: 
$0  
Date Updated: 
11/2008  
High Balance: 
$1,063 
Credit Limit: 
$2,500 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
12/2005 
Date Paid: 
07/2007 
Loan Type: Charge Account

Late Payments

35 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 35

Months
All months current

HSBC BEST BUY #7021270304654279

POB 15521
WILMINGTON , DE 19805
(302) 327-2000 

Balance: 
$1,219  
Date Updated: 
11/2008  
High Balance: 
$2,493 
Credit Limit: 
$2,500 
Past Due: 
$0 
Terms: 
Minimum $13 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
12/2003 
Loan Type: Charge Account

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

HSBC HELZBERG'S DIAMOND #2026010101448236

POB 15521
WILMINGTON , DE 19805
Phone number not available 

Balance: 
$0  
Date Updated: 
02/2006  
High Balance: 
$0 
Credit Limit: 
$3,600 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
12/2005 
Loan Type: Charge Account

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

HSBC RETAIL SERVICES #794231103098076

POB 15521
WILMINGTON , DE 19805
Phone number not available 

Balance: 
$0  
Date Updated: 
10/2008  
High Balance: 
$1,274 
Credit Limit: 
$5,000 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
05/2008 
Date Paid: 
08/2008 
Loan Type: Charge Account

Late Payments

4 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 4

Months
All months current

JB ROBINSON #3084252341

375 GHENT RD
FAIRLAWN , OH 44333-4601
(800) 877-8231 

Balance: 
$0  
Date Updated: 
04/2008  
High Balance: 
$0 
Credit Limit: 
$6,100 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
12/2005 
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

THE HOME DEPOT/CBSD #6035320172017301

PO BOX 6497
SIOUX FALLS , SD 57117-6497
(800) 677-0232 

Balance: 
$0  
Date Updated: 
05/2006  
High Balance: 
$388 
Credit Limit: 
$3,000 
Past Due: 
$0 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
05/2005 
Date Paid: 
01/2006 
Loan Type: Charge Account

Late Payments

11 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 11

Months
All months current

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

HSBC RETAIL SERVICES
1111 TOWN CENTER
DRIVE
LAS VEGAS , NV 89134
Phone number not available 

 Requested On:
Inquiry Type:
 08/31/2008
Individual
  

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
  

HSBC RETAIL SERVICES
1111 TOWN CENTER
DRIVE
LAS VEGAS , NV 89134
Phone number not available 

 Requested On:
Inquiry Type:
 05/31/2008
Individual
  

HSBC/RS
P.O. BOX 15519
WILMINGTON , DE 19850
(800) 235-7627 

 Requested On:
Inquiry Type:
 04/04/2008
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
  

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

 Requested On:
Inquiry Type:
 08/25/2007
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.

HSBC RETAIL SERVICES
 
Requested On: 08/31/2008

 Identifying information they provided:
SHAWN ODONNELL

31 GLENWOOD DR.
FENTON, MO 63026

(636) 600-0221


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

 Identifying information they provided:
SHAWN E ODONNELL

31 GLENWOOD
FENTON, MO 63026

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  

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

 Requested On:
 10/2008
  

BANK OF AMERICA
pe
4161 PIEDMONT PKWY
GREENSBORO , NC 27410-8110
(800) 451-6356 

 Requested On:
 09/2008
  

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

 Requested On:
 06/2008
  

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

 Requested On:
 06/2008
  

FACTACT FREE DISCLOSURE
pe
P O BOX 1000
CHESTER , PA 19022
(800) 888-4213 

 Requested On:
 05/2008
  

STERLING JEWELERS / CRED
pe
375 GHENT RD
FAIRLAWN , OH 44333-4601
Phone number not available 

 Requested On:
 01/2008
  

FEDERAL HOME LOAN MORTGA
pe
8200 JONES BRANCH
MC LEAN , VA 22102-3107
(800) 373-3343 

 Requested On:
 11/2007
  

AMERICAN FAMILY INS. via AM FAM INS -RENEWAL
pe
4802 MITCHELL AVEN
ST. JOSEPH , MO 64507
Phone number not available 

 Requested On:
 08/2007
 Permissible Purpose:  INSURANCE UNDERWRITING  

STATE FARM INS-24A
pe
4700 S PROVIDENCE
COLUMBIA , MO 65217
(480) 293-6676 

 Requested On:
 05/2007
 Permissible Purpose:  INSURANCE UNDERWRITING  

Special Message
PROMOTIONAL OPT-OUT: This file has been opted out of promotional lists supplied by TransUnion
(Note: This statement has no expiration date.)

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.