Equifax - FACT - RPT - 12302012 (2013 - 03 - 19 00 - 04 - 23 UTC)

Equifax Credit Report for Derrick D.
Trueblood
As of: 12/30/2012
Available until: 01/29/2013
Confirmation #:2865652292
Report Does Not Update
Section Description
Section Title
1. Credit Summary
2. Account Information
3. Inquiries
4. Negative Information
5. Personal Information
6. Dispute File Information
7. Summary of Your Rights Under the FCRA
8. Remedying the Effects of Identity Theft
9. Your Rights Under State Law
Summary of account activity

Detailed account information
Companies that have requested or viewed your credit information
Bankruptcies, liens, garnishments and other judgments
Personal data, addresses, employment history
How to dispute information found on this credit report
Summary of Your Rights Under the FCRA
Remedying the Effects of Identity Theft
Your Rights Under State Law
Credit Summary
Your Equifax Credit Summary highlights the information in your credit file that is most important in determining your credit standing by
distilling key credit information into one easy-to-read summary.
Accounts
Lenders usually take a positive view of individuals with a range of credit accounts - car loan, credit cards, mortgage, etc. - that have a
record of timely payments. However, a high debt to credit ratio on certain types of revolving (credit card) accounts and installment
loans will typically have a negative impact.
Open
Accounts
Mortgage
Installment
Revolving
Other
Total
Total
Number
Balance
0
0
0
0
0
$0
$0
$0
$0
$0
Available
Credit
Limit
Debt to
Credit
Ratio
Monthly
Payment
Amount
Accounts
with a
Balance
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$0
$0
$0
$0
$0
0
0
0
0
0
Debt by Account Type
Debt to Credit Ratio by Account Type
No Data to Display
Mortgage-0%
Revolving-0%
Installment-0%
Other-0%
NOTE: Total may not equal 100% due to rounding
Account Age
Usually, it is a good idea to keep your oldest credit account open, as a high average account age generally demonstrates stability to
lenders. Also, especially if you have been managing credit for a short time, opening many new accounts will lower your average
account age and may have a negative impact.
Length of Credit History
2009 Years, 10 Months
Average Account Age

Oldest Account
Most Recent Account
4 Years, 7 Months
SILVER STATE SCHOOLS (Opened 02/01/2003)
FIRST PREMIER (Opened 01/12/2012)
Inquiries - Requests for your Credit History

Numerous inquires on your credit file for new credit may cause you to appear risky to lenders, so it is usually better to only seek new
credit when you need it. Typically, lenders distinguish between inquiries for a single loan and many new loans in part by the length of
time over which the inquiries occur. So, when rate shopping for a loan it's a good idea to do it within a focused period of time.
Inquiries in the Last 2 Years
Most Recent Inquiry
16
COX COMMUNICATIONS (12/17/12)
Potentially Negative Information

Late payments, collections and public records can have a negative impact on your credit standing. The more severe and recent they
are, the more negative the potential impact might be.
Public Records
Negative Accounts
Collections
0
3
1
Mortgage Accounts
Mortgage accounts include first mortgages, home equity loans, and any other loans secured by real estate you own.
You have no mortgage accounts on file.
Installment Accounts
Installment accounts are credit accounts in which the amount of the payment and the number of payments are predetermined or fixed,
such as a car loan.
Closed Accounts
Account Name
Account Number
SILVER STATE SCHOOLS 1174XXXX
Date Opened Balance
Date
Reported
02/01/2003
05/01/2010
$0
Past
Due
Status
Credit Limit
PAYS AS
AGREED
SILVER FCU
4221 McLeod Dr
Las Vegas , NV-891215215
(702) 733-8820
Account Number:
1174XXXX
Current Status:
PAYS AS AGREED
Account Owner:
Individual Account.
High Credit:
$ 100
Type of Account :
Installment
Credit Limit:
Term Duration:
5 Months
Terms Frequency:
Monthly (due every

month)
Date Opened:
02/01/2003
Balance:
$0
Date Reported:
05/01/2010
Amount Past Due:
Date of Last Payment:
05/2003
Actual Payment Amount:
Scheduled Payment Amount:
$ 20
Date of Last Activity:
05/2003
Date Major Delinquency First Reported:
Months Reviewed:
87
Creditor Classification:
Activity Description:
Paid and Closed
Charge Off Amount:
Deferred Payment Start Date:
Balloon Payment Amount:
Balloon Payment Date:
Date Closed:
05/2003
Date of First Delinquency:
N/A
Type of Loan:
Secured
Comments:
81-Month Payment History
No 81-Month Payment Data available for display.
Revolving Accounts
Revolving accounts are charge accounts that have a credit limit and require a minimum payment each month, such as most credit
cards.
Closed Accounts
Account Name
Account Number
Date Opened Balance
Date
Reported
Past
Due
FIRST PREMIER
517760747235XXXX
01/12/2012
12/16/2012
$210 120+ DAYS

PAST DUE
$408
Status
Credit Limit
$300
FIRST PREMIER
3820 N Louise Ave
Sioux Falls , SD-571070145
(605) 357-3440
Account Number:
517760747235XXXX
Current Status:
120+ DAYS PAST

DUE
Account Owner:
Individual Account.
High Credit:
$ 408
Type of Account :
Revolving
Credit Limit:
$ 300
Terms Frequency:
Monthly (due every

month)
Term Duration:
Date Opened:
01/12/2012
Balance:
$ 408
Date Reported:
12/16/2012
Amount Past Due:
$ 210
04/2012
$ 30
N/A
Months Reviewed:
11
Closed
Charge Off Amount:
Date Closed:
Type of Loan:
06/2012
Comments:
Account closed at consumers request,

180 Days past due
Credit Card

Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
2012
30
60
90
120
150
HSBC BANK
424735505194XXXX
05/01/2008
$0
03/01/2010
Dec
CHARGE-OFF$0
CAPTIAL ONE
PO Box 5253
Carol Stream , IL-601975253
(800) 477-6000
Account Number:
424735505194XXXX
Current Status:
Account Owner:
Individual Account.
High Credit:
Type of Account :
Revolving
Credit Limit:
$0
Terms Frequency:
Monthly (due every

month)
$0
Term Duration:
Date Opened:
05/01/2008
Balance:
Date Reported:
03/01/2010
Amount Past Due:
CHARGE-OFF
N/A
Months Reviewed:
22
Transfer/Sold
01/2009
Charge Off Amount:
$ 29
Date Closed:
Type of Loan:
07/2008
Comments:
Charged off account
Credit Card

Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2010
2009
CO
CO
CO
2008
CO
CO
CO
CO
30
60
90
120
150
Other Accounts
These are all accounts that do not fall into the other categories and can include 30-day accounts such as American Express.
Closed Accounts
Account Name
Account Number
Date Opened Balance
Date
Reported
Past
Due
MIDLAND FUNDING LLC
853369XXXX
02/23/2010
12/19/2012
$356
$356
Status
Credit Limit
MIDLAND CREDIT MGMT INC

8875 Aero Dr Ste 200
San Diego , CA-921232255
(800) 825-8131
Account Number:
853369XXXX
Current Status:
Account Owner:
Individual Account.
High Credit:
Type of Account :
Open
Credit Limit:
Term Duration:
$ 253
Terms Frequency:
Date Opened:
02/23/2010
Balance:
$ 356
Date Reported:
12/19/2012
Amount Past Due:
$ 356
N/A
Months Reviewed:
32
N/A
Charge Off Amount:
Date Closed:
Type of Loan:
04/2010
07/2008
Comments:
Collection account

Factoring Company
Account (debt buyer)
Payment History Key

Meaning
Pays or Paid as Agreed:
30-59 Days Past Due:
Symbol
Meaning
180+ Days Past Due:
Collection Account:
Foreclosure:
Voluntary Surrender:
Repossession:
Charge Off:
*
30
60
90
120
150
Symbol
180
CA
F
VS
R
CO
Inquiries
A request for your credit history is called an inquiry. Inquiries remain on your credit report for two years. There are two types of
inquires - those that may impact your credit rating and those that do not.
Inquiries that may impact your credit rating
These inquires are made by companies with whom you have applied for a loan or credit.
Name of Company
Date of Inquiry
CAP1/BEST BUY/HSBC
11/08/11
Creditor Contact Information

CAP1/BEST BUY/HSBC
PO Box 5253
Carol Stream, IL 601975253
(800) 695-9650
CAPITAL ONE BANK USA NA
11/26/12, 10/20/12, 05/11/12, 12/17/11, 09/24/11, 05/19/11

CAPITAL ONE BANK USA NA
PO Box 30281
Salt Lake City, UT 841300281
COX COMMUNICATIONS
12/17/12

COX COMMUNICATIONS
121 S Martin L King Blvd
Las Vegas, NV 891064309
FIRST ADVANTAGE CREDCO ::2865652292
12/01/12, 04/19/11

FIRST ADVANTAGE CREDCO
12395 First American Way
Poway, CA 920646897
DISCOVER FINANCIAL SERVICE

DISCOVER FINANCIAL SERVICE
2500 Lake Cook Rd
Riverwoods, IL 600153851
12/12/12
DISH NETWORK
02/23/11, 01/25/11

DISH NETWORK
9601 S Meridian Blvd
Bldg 1 Flr 3 Cmo
Englewood, CO 801125905
FIRST PREMIER BANK
12/17/11

FIRST PREMIER BANK
900 W Delaware St
Sioux Falls, SD 571040347
DOLLAR RENT CAR
05/06/11

DOLLAR RENT CAR
5330 E 31st St
Tulsa, OK 741355076
(800) 334-1705
WELLS FARGO CARD SERVICES
12/17/11

WELLS FARGO CARD SERVICES
PO Box 5445
Portland, OR 972285445
(800) 642-4720
Inquiries that do not impact your credit rating
These inquires include requests from employers, companies making promotional offers and your own requests to check your credit.
These inquiries are only viewable by you.
Company Information
Date of Inquiry
ND-AVIS BUDGET GROUP
04/23/12
ND-CAPITAL ONE/HSBC
12/17/11, 09/24/11
AM-FIRST ADVANTAGE CREDCO/
05/01/12, 01/31/12
EQUIFAX
12/30/12
ND-EQUIFAX
11/10/11
Prefix
Prefix Description
PRM
Inquiries with this prefix indicate that only your name and address were
given to a credit grantor so they can provide you a firm offer of credit or
insurance.(PRM inquiries remain for twelve months.)
AM or AR
Inquiries with these prefixes indicate a periodic review of your credit

history by one of your creditors.(AM and AR inquiries remain for twelve
months.)
EMPL
Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries

remain for 24 months)
PR
Inquiries with this prefix indicate that a creditor reviewed your account as
part of a portfolio they are purchasing.(PR inquiries remain for 12
months.)
Equifax or EFX
Inquiries with these prefixes indicate Equifax's activity in response to your

contact with us for a copy of your credit file or a research request.
ND
Inquiries with this prefix are general inquiries that do not display to credit
grantors.(ND inquiries remain for 24 months.)
ND MR
Inquiries with this prefix indicate the reissue of a mortgage credit file
containing information from your Equifax credit file to another company in
connection with a mortgage loan.(ND inquiries remain for 24 months.)
Negative Accounts
Accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for 7 years from the
date the account first became past due leading to the current not paid status. Late Payment History generally remains on your credit
file for 7 years from the date of the late payment.
Closed Accounts
Account Name
Account Number
Date Opened Balance
Date
Reported
Past
Due
FIRST PREMIER
517760747235XXXX
01/12/2012
12/16/2012
$210 120+ DAYS

PAST DUE
$408
Status
Credit Limit
$300
FIRST PREMIER
3820 N Louise Ave
Sioux Falls , SD-571070145
(605) 357-3440
Account Number:
517760747235XXXX
Current Status:
120+ DAYS PAST

DUE
Account Owner:
Individual Account.
High Credit:
$ 408
Type of Account :
Revolving
Credit Limit:
$ 300
Terms Frequency:
Monthly (due every

month)
Term Duration:
Date Opened:
01/12/2012
Balance:
$ 408
Date Reported:
12/16/2012
Amount Past Due:
$ 210
04/2012
$ 30
N/A
Months Reviewed:
11
Closed
Charge Off Amount:
Date Closed:
Type of Loan:
06/2012
Comments:
Account closed at consumers request,

180 Days past due
Credit Card

Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
2012
30
60
90
120
150
HSBC BANK
424735505194XXXX
05/01/2008
$0
03/01/2010
Dec
CHARGE-OFF$0
CAPTIAL ONE
PO Box 5253
Carol Stream , IL-601975253
(800) 477-6000
Account Number:
424735505194XXXX
Current Status:
Account Owner:
Individual Account.
High Credit:
Type of Account :
Revolving
Credit Limit:
$0
Terms Frequency:
Monthly (due every

month)
$0
Term Duration:
Date Opened:
05/01/2008
Balance:
Date Reported:
03/01/2010
Amount Past Due:
CHARGE-OFF
N/A
Months Reviewed:
22
Transfer/Sold
01/2009
Charge Off Amount:
$ 29
Date Closed:
Type of Loan:
07/2008
Comments:
Charged off account
Credit Card

Year
Jan
Feb
2010
2009
CO
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CO
CO
CO
CO
CO
CO
2008
MIDLAND FUNDING LLC
*
853369XXXX
*
02/23/2010
*
$356
30
60
12/19/2012
90
120
150
$356
MIDLAND CREDIT MGMT INC

8875 Aero Dr Ste 200
San Diego , CA-921232255
(800) 825-8131
Account Number:
853369XXXX
Current Status:
Account Owner:
Individual Account.
High Credit:
Type of Account :
Open
Credit Limit:
Term Duration:
$ 253
Terms Frequency:
Date Opened:
02/23/2010
Balance:
$ 356
Date Reported:
12/19/2012
Amount Past Due:
$ 356
N/A
Months Reviewed:
32
N/A
Charge Off Amount:
Date Closed:
Type of Loan:
04/2010
07/2008
Comments:
Collection account
Factoring Company
Account (debt buyer)

Collections
A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account
has not been paid as agreed.
NCC BUSINESS SERVICES
Agency Address:
3733 UNIVERSITY BLVD WEST

SUITE 300
JACKSONVILLE, FL 32217
(904) 733-3033
Date Reported:
12/2012
Date Assigned:
04/2008
Rental/Leasing
Creditor Name:
CAMDEN DEL MAR CAMDEN
Accounts Number:
154XXXX
Account Owner:
Individual Account.
Original Amount Owned:
$2,490
Date of 1 st Delinquency:
03/2008
Balance Date:
12/2012
Balance Owned:
$3,658
Last Payment Date :
N/A
Status Date:
12/2012
Status:
D - Unpaid
Comments:
N/A
J J MACINTYRE CO
Agency Address:
1801 California Ave

Corona, CA 928817251
(800) 777-9929
Date Reported:
12/2012
Date Assigned:
05/2009
Retail
Creditor Name:
ENTERPRISE RENT A CAR
Accounts Number:
1618XXXX
Account Owner:
Individual Account.
$437
03/2007
Balance Date:
12/2012
Balance Owned:
$504
Last Payment Date :
N/A
Status Date:
12/2012
Status:
D - Unpaid
Comments:
N/A
BYL MANAGEMENT SERVS LLC
Agency Address:
301 Lacey St
West Chester, PA 193823727
(877) 608-1671
Date Reported:
12/2012
Date Assigned:
07/2008
Utilities
Creditor Name:
SOUTHWEST GAS CORPORATION
Accounts Number:
132XXXX
Account Owner:
Individual Account.
$317
05/2008
Balance Date:
12/2012
Balance Owned:
$317
Last Payment Date :
N/A
Status Date:
12/2012
Status:
D - Unpaid
Comments:
N/A
NORTHEAST CREDIT & COLLECT

Agency Address:
PO Box 3358
Scranton, PA 185050358
Date Reported:
12/2012
Date Assigned:
06/2012
Creditor Name:
EPMG UNIVERSITY MEDICAL CENTER
Accounts Number:
D358120XXXX
Account Owner:
Individual Account.
$213
11/2008
Balance Date:
12/2012
Balance Owned:
$213
Last Payment Date :
N/A
Status Date:
12/2012
Status:
D - Unpaid
Comments:
Medical
PLUSFOUR, INC
Agency Address:
6345 S Pecos Rd Ste 212

Las Vegas, NV 891206224
(702) 898-1033
Date Reported:
11/2012
Date Assigned:
01/2008
Medical/Health Care
Creditor Name:
PACIFIC ANESTHESIA
Accounts Number:
249XXXX
Account Owner:
Individual Account.
$382
08/2007
Balance Date:
11/2012
Balance Owned:
$484
Last Payment Date :
N/A
Status Date:
11/2012
Status:
D - Unpaid
Comments:
Medical
WEST ASSET MANAGEMENT

Agency Address:
7171 MERCY RD
OMAHA, NE 68106
(903) 891-1797
Date Reported:
10/2012
Date Assigned:
08/2012
Medical/Health Care
Creditor Name:
SHADOW EMERGENCY PHYSICIANS
Accounts Number:
1606XXXX
Account Owner:
Individual Account.
$50
08/2011
Balance Date:
10/2012
Balance Owned:
$50
Last Payment Date :
N/A
Status Date:
10/2012
Status:
D - Unpaid
Comments:
Medical
NCO FINANCIAL SYSTEMS

Agency Address:
PO Box 15273
Wilmington, DE 198505273
Date Reported:
05/2012
Date Assigned:
03/2012
Medical/Health Care
Creditor Name:
SPRING VALLEY HOSPITAL MEDICAL
Accounts Number:
7730XXXX
Account Owner:
Individual Account.
$50
08/2011
Balance Date:
05/2012
Balance Owned:
$50
Last Payment Date :
N/A
Status Date:
05/2012
Status:
D - Unpaid
Comments:
Medical
ALLIED COLLECTION SERVICE

Agency Address:
3080 S. DURANGO ROAD,

SUITE 208
LAS VEGAS, NV 89117
(702) 737-5506
Date Reported:
05/2012
Date Assigned:
02/2012
Creditor Name:
EPMG UNIVERSITY MEDICAL
Accounts Number:
27132XXXX
Account Owner:
Individual Account.
$396
07/2007
Balance Date:
05/2012
Balance Owned:
$396
Last Payment Date :
N/A
Status Date:
05/2012
Status:
D - Unpaid
Comments:
Medical
Public Records
Public record information includes bankruptcies, liens or judgments and comes from federal, state or county court records.
You have no Public Records on file
Personal Information
The following information is added to your file either when creditors enter requests to view your credit history, or when you report it to
Equifax directly.
Name:Derrick D. Trueblood
Social Security Number:XXX-XX-3952
Age or Date of Birth:September 11, 1972
Formerly Known As: Derrick D. Trublood
Address Information
Current/Previous
Street Address
Current
9225 W CHARLESTON BLVD APT Last Reported 12/24/2012

1157LAS VEGAS,NV,89117
Former Address1
6250 W CHARLESTON BLVD STE Last Reported 12/10/2012

Former Address2
1312 NYE STLAS

VEGAS,NV,89106
Former Address3
1200 S TORREY PINES DR APT Last Reported 03/24/2011

Former Address4
1308 MEZPAH DRLAS

VEGAS,NV,89106
Last Reported 03/24/2011
Former Address5
4612 N KENNY WYNORTH LAS

VEGAS,NV,89030
Other Identification
You have no other identification on file.
Employment History
Last Reported Employment:
Date Reported
DAILY TIMES
Previous Employment(s):
VALET; PLATINUM VALLEY SERVICESCOOK; BADLANDS GOLF
Alert(s)
You have no Alerts on file.
Consumer Statement
You have no Consumer Statement on file.
Dispute File Information

If you believe that any of the information found on this report is incorrect, there are 3 ways to launch an investigation about the
information on this report.
When you file a dispute, the credit bureau you contact is required to investigate your dispute within 30 days. They will not remove
accurate data unless it is outdated or cannot be verified.
To initiate a dispute online please visit https://www.ai.equifax.com
To check the status or view the results of your dispute please visit https://www.ai.equifax.com
How to order your score by phone

By law, you are entitled to obtain your credit score. There is a fee of $7.95 to obtain your credit score from Equifax Information
Services . To request your credit score, please contact:
Equifax Information Services LLC
P.O. Box 105167
Atlanta, GA 30348
or call
1-877-SCORE-11
If you are in the process of obtaining a mortgage, you may be entitled to free credit score information. Contact the person making or
arranging your loan for further information.
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.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington,
DC 20006.
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 file;
you are the victim of identify 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, all consumers are entitled to one free disclosure every 12 months upon request from
each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See
www.consumerfinance.gov/learnmore for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of your
credit-worthiness based on information from credit bureaus. You may request a credit score from consumer
reporting agencies that create scores or distribute scores used in residential real property loans, but you will
have to pay for it. In some mortgage transactions, you will receive credit score information for free from the
mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify information in your file
that is incomplete or inaccurate, and file it to the consumer reporting agency, the agency must investigate
unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute
procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable
information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within
30 days. However, a consumer reporting agency may continue to file information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer
reporting agency may not report negative information that is more than seven years old, or bankruptcies that
are more than 10 years old.
Access to your file is limited. A consumer reporting agency may provide information about you only to
people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or
other business. The FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers. A consumer reporting agency may
not give out information about you to your employer, or a potential employer, without your written consent given
to the employer. Written consent generally is not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore.
You may limit "prescreened" offers of credit and insurance you get based on information in your credit
file. 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 1-888-5-OPTOUT (1-888-567-8688).
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of
consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be
able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights. For more information, visit
www.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. Federal enforcers are:
TYPE OF BUSINESS:
1.a. Banks, savings associations, and credit unions with total
assets of over $10 billion and their affiliates.
b. Such affiliates that are not banks, savings associations, or credit
unions
2. To the extent not included in item 1 above: a. National banks,
federal savings associations, and federal branches and federal
agencies of foreign banks
b. State member banks, branches and agencies of foreign banks
(other than federal branches, federal agencies, and insured state
branches of foreign banks), commercial lending companies owned
or controlled by foreign banks, and organizations operating under
section 25 or 25A of the Federal Reserve Act
c. Nonmember Insured Banks, Insured State Branches of Foreign
Banks, and insured state savings associations
d. Federal Credit Unions
3. Air carriers
4. Creditors Subject to Surface Transportation Board

5. Creditors Subject to Packers and Stockyards Act
6. Small Business Investment Companies
7. Brokers and Dealers
CONTACT:
a. Bureau of Consumer Financial Protection 1700 G Street NW
Washington, DC 20006
b. Federal Trade Commission: Consumer Response Center FCRA Washington, DC 20580 (877) 382-4357
a. Office of the Comptroller of the Currency Customer Assistance
Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050
b. Federal Reserve Consumer Help Center P.O. Box 1200
Minneapolis, MN 55480
c. FDIC Consumer Response Center 1100 Walnut Street, Box #11

Kansas City, MO 64106
d. National Credit Union Administration Office of Consumer
Protection (OCP) Division of Consumer Compliance and Outreach
(DCCO) 1775 Duke Street Alexandria, VA 22314
Asst. General Counsel for Aviation Enforcement & Proceedings
Department of Transportation 400 Seventh Street SW Washington,
DC 20590
Office of Proceedings, Surface Transportation Board Department
of Transportation 1925 K Street NW Washington, DC 20423
Nearest Packers and Stockyards Administration area supervisor
Associate Deputy Administrator for Capital Access United States
Small Business Administration 409 Third Street, SW, 8th Floor
Washington, DC 20416
Securities and Exchange Commission 100 F St NE Washington,
DC 20549
8. Federal Land Banks, Federal Land Bank Associations, Federal

Intermediate Credit Banks, and Production Credit Associations
9. Retailers, Finance Companies, and All Other Creditors Not
Listed Above
Farm Credit Administration 1501 Farm Credit Drive McLean, VA

22102-5090
FTC Regional Office for region in which the creditor operates or
Federal Trade Commission: Consumer Response Center - FCRA
Washington, DC 20580 (877) 382-4357
Remedying the Effects of Identity Theft

You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of
identity theft. Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying
information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal
information to open a credit card account or get a loan in your name. For more information, visit www.consumerfinance.gov or write
to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20006.
The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft.
Here is a brief summary of the rights designed to help you recover from identity theft.
1. You have the right to ask that nationwide consumer reporting agencies place "fraud alerts" in your file to let potential creditors
and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in
your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit.
You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as
that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
Equifax: 1-800-525-6285; www.equifax.com
Experian: 1-888-397-3742; www.experian.com
TransUnion: 1-800-680-7289; www.transunion.com
An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for seven years. To place either
of these alerts, a consumer reporting agency will require you to provide appropriate proof of your identity, which may include
your Social Security number. If you ask for an extended alert, you will have to provide an identity theft report An identity theft
report includes a copy of a report you have filed with a federal, state, or local law enforcement agency, and additional
information a consumer reporting agency may require you to submit. For more detailed information about the identity theft
report, visit www.consumerfinanace.gov.
2. You have the right to free copies of the information in your file (your "file disclosure"). An initial fraud alert entitles you
to a copy of all the information in your file at each of the three nationwide agencies, and an extended alert entitles you to two
free file disclosures in a 12-month period following the placing of the alert. These additional disclosures may help you detect
signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether someone has reported a
change in your address. Once a year, you also have the right to a free copy of the information in your file at any consumer
reporting agency, if you believe it has inaccurate information due to fraud, such as identity theft. You also have the ability to
obtain additional free file disclosures under other provisions of the FCRA. See www.ftc.gov/credit.
3. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your
personal information. A creditor or other business must give you copies of applications and other business records relating
to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you
for proof of your identity, a police report, and an affidavit before giving you the documents. It also may specify an address for
you to send your request. Under certain circumstances, a business can refuse to provide you with these documents. See
www.consumer.gov/idtheft.
4. You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with certain
information about the debt you believe was incurred in your name by an identity thief - like the name of the creditor and the
amount of the debt.
5. If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting
agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information
about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting agency to block
the reporting of this information, you must identify the information to block, and provide the consumer reporting agency with
proof of your identity and a copy of your identity theft report. The consumer reporting agency can refuse or cancel your
request for a block if, for example, you don't provide the necessary documentation, or where the block results from an error or
a material misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. Once a debt
resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the
debt for collection.
6. You also may prevent businesses from reporting information about you to consumer reporting agencies if you
believe the information is a result of identity theft. To do so, you must send your request to the address specified by the
business that reports the information to the consumer reporting agency. The business will expect you to identify what
information you do not want reported and to provide an identity theft report.
To learn more about identity theft and how to deal with its consequences, visit www.consumer.gov/idtheft, or write to the FTC. You
may have additional rights under state law. For more information, contact your local consumer protection agency or your state
attorney general.
In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many other
important consumer protections. They are described in more detail at www.ftc.gov/credit.
Your Rights Under State Law

STATE OF NEVADA - Fair Credit Reporting Act
The Nevada law regulating credit reporting (NRS 598C.010 et seq.) was amended effective 10-1-93. It requires that credit reporting
agencies, such as Equifax, inform you of your rights under this law. You have the right to:
receive "clear and adequate" disclosure of the "nature and substance" of your credit file at the time of your request.
obtain the names of the sources of information in your credit file.
receive, upon request, a readable copy of your credit file.
obtain the names of recipients of information from your credit file (a) within the preceding two years for purposes of
employment, promotion, reassignment or retention as an employee, or (b) within the preceding six months if for any other
purpose.
have any disputed information reverified by us within 30 days of notice of the dispute.
receive notification if you dispute information in your credit file and the credit reporting agency determines that your dispute is
frivolous or irrelevant.
receive notification if you dispute information in your credit file that the credit reporting agency cannot reverify or learns is
incorrect. If the information is incorrect, you have the right to have your file updated accordingly (Equifax does this automatically).
receive notification, within five days of reinsertion, if credit file information which had previously been deleted is reinserted into
your credit file.
receive, from a user of credit reports (such as a creditor) which has taken adverse action regarding you, (a) notice of the action
taken, (b) the name and address of the credit reporting agency that supplied the user with your credit information, and (c) notice
that you have a right to obtain a copy of such information from that credit reporting agency.
receive, if the credit reporting agency or user willfully fails to comply with the terms of this law, an amount equal to the sum of
actual damages sustained by you as a result of the violation, as well as costs of the action plus reasonable attorney's fees.
State of Nevada Rights of the Consumer Related to Security Freezes
You have a right to place a security freeze in your file which will prohibit a reporting agency from releasing any information in your file
without your express authorization. A security freeze must be requested in writing by certified mail. The security freeze is designed to
prevent a reporting agency from releasing your consumer report without your consent. However, you should be aware that using a
security freeze to take control over who is allowed access to the personal and financial information in your file may delay, interfere
with or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage,
insurance, government services or payments, rental housing, investment, license, cellular telephone, 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 in
your file, you will be provided a personal identification number or password to use if you choose to remove the security freeze from
your file or to authorize the temporary release of your consumer report for a specific person or period after the security freeze is in
place. To provide that authorization, you must contact the reporting agency and provide all the following:
1. Sufficient identification to verify your identity.
2. Your personal identification number or password provided by the reporting agency.
3. A statement that you choose to remove the security freeze from your file or that you authorize the reporting agency to
temporarily release your consumer report. If you authorize the temporary release of your consumer report, you must name the person
who is to receive your consumer report or the period for which your consumer report must be available.
A reporting agency must remove the security freeze from your file or authorize the temporary release of your consumer report not
later than 3 business days after receiving the above information.
A security freeze does not apply to certain persons, including a person, or collection agencies acting on behalf of a person, with whom
you have an existing account that requests information in your consumer report for the purposes of reviewing or collecting the
account.
To place a security freeze on your Equifax credit report, send your request via certified mail to:
Equifax Security Freeze
P.O. Box 105788
Atlanta, Georgia 30348
Or, you may contact us on the web at equifax.com or call 800-685-1111.

The fee to place a security freeze is $10.00. If you are a victim of identity theft and you submit a copy of a valid police, investigative
report or complaint filed with a law enforcement agency regarding the unlawful use of your personal information, no fee will be
charged. If you are sixty-five years of age or older, no fee will be charged. Include your complete name, complete address, social
security number, date of birth and payment, if applicable.
Written confirmation of the security freeze will be sent within 10 business days of receipt of the request via first class mail. It will
include your unique personal identification number and instructions for removing the security freeze or authorizing the release of your
credit report for a specific party or period of time.
Equifax offers you personal credit products that enlighten, enable and empower you. Whether you are managing your credit,
protecting your identity or preparing for a major purchase, Equifax offers the tools you need to make the smartest choices possible.
For more information visit www.Equifax.com.

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What information is included in a credit summary?

What information is included in a credit summary?

What factors impact your credit standing?

What factors impact your credit standing?

Equifax Credit Report for Derrick D.

Report Does Not Update

Summary of account activity

Debt by Account Type

Debt to Credit Ratio by Account Type

NOTE: Total may not equal 100% due to rounding

2009 Years, 10 Months

Average Account Age

Inquiries - Requests for your Credit History

Potentially Negative Information

SILVER STATE SCHOOLS 1174XXXX

Date Opened Balance

Monthly (due every

Amount Past Due:

Date of Last Payment:

Actual Payment Amount:

Scheduled Payment Amount:

Date of Last Activity:

Date Major Delinquency First Reported:

Paid and Closed

Charge Off Amount:

Deferred Payment Start Date:

Balloon Payment Amount:

Balloon Payment Date:

Date of First Delinquency:

Date Opened Balance

$210 120+ DAYS

120+ DAYS PAST

Monthly (due every

Amount Past Due:

Date of Last Payment:

Actual Payment Amount:

Scheduled Payment Amount:

Date of Last Activity:

Date Major Delinquency First Reported:

Charge Off Amount:

Deferred Payment Start Date:

Balloon Payment Amount:

Balloon Payment Date:

Date of First Delinquency:

Account closed at consumers request,

81-Month Payment History

Monthly (due every

Amount Past Due:

Date of Last Payment:

Actual Payment Amount:

Scheduled Payment Amount:

Date of Last Activity:

Date Major Delinquency First Reported:

Deferred Payment Start Date:

Balloon Payment Amount:

Balloon Payment Date:

Date of First Delinquency:

Charged off account