Your Credit Report

CREDIT REPORT

SEAN MARKL

Report Confirmation

8808269767

1. Summary

Review this summary for a quick view of key information contained in your Equifax Credit Report.

Report Date Nov 04, 2018

Credit File Status No fraud indicator on file

Alert Contacts 0 Records Found

Average Account Age 1 Year, 9 Months

Length of Credit History 5 Years, 1 Month

Accounts with Negative Information 3

Oldest Account FIRST PEOPLES COMMUNITY FCU (Opened Oct 01, 2013)

Most Recent Account DEPT OF EDUCATION/OSLA SRV (Opened Sep 20, 2018)

Credit Accounts

Your credit report includes information about activity on your credit accounts that may affect your credit score and rating.

Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment

Revolving

Mortgage

Installment 9 9 $59,438 $1,194 $60,632 98.0% $531

Other 0 0

Total 9 9 $59,438 $1,194 $60,632 98.0% $531

Other Items

Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may affect your credit score and rating.

Consumer Statements 0 Statements Found

Personal Information 12 Items Found

Inquiries 16 Inquiries Found

Most Recent Inquiry COMCASTSep 21, 2018

Public Records 0 Records Found

Collections 7 Collections Found

SEAN MARKL | Nov 04, 2018 Page 2 of 55

2. Revolving Accounts

Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards.

You currently do not have any Revolving Accounts in your file.

SEAN MARKL | Nov 04, 2018 Page 3 of 55

3. Mortgage Accounts

Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off.

You currently do not have any Mortgage Accounts in your file.

SEAN MARKL | Nov 04, 2018 Page 4 of 55

4. Installment Accounts

Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans.

4.1 FLAGSHIP CREDIT ACCEPTANCE,LLC (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxxxx 1001 Reported Balance $11,177

Account Status CHARGE_OFF Debt-to-Credit Ratio N/A

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

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

2016

2017 $19,255 $19,073 $18,916 $18,747 $18,587 $18,413 $18,245 $18,075 $17,924 $17,779 $18,416

2018 $11,177

Available Credit

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

2016

2017

2018

Scheduled Payment

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

2016

2017 $434 $434 $434 $434 $434 $434 $434 $434 $434 $434 $434

2018 $434

SEAN MARKL | Nov 04, 2018 Page 5 of 55

Actual Payment

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

2016

2017 $434 $434 $434 $434 $486 $434 $434 $434 $435 $435

2018

High Credit

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

2016

2017 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146

2018

Credit Limit

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

2016

2017

2018

Amount Past Due

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

2016

2017 $850

2018

Activity Designator

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

2016

2017

2018

Comments 1

Date Comment

01/2017 Fixed rate

SEAN MARKL | Nov 04, 2018 Page 6 of 55

Date Comment

02/2017 Fixed rate

03/2017 Fixed rate

04/2017 Fixed rate

05/2017 Fixed rate

06/2017 Fixed rate

07/2017 Fixed rate

08/2017 Fixed rate

09/2017 Fixed rate

10/2017 Fixed rate

11/2017 Fixed rate

04/2018 Charged off account

Comments 2

Date Comment

04/2018 Fixed rate

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

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

2018 30 60 90 V CO CO CO CO CO

2017

2016

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit Owner JOINT_CONTRACTUAL_LIABILITY

SEAN MARKL | Nov 04, 2018 Page 7 of 55

Credit Limit Account Type INSTALLMENT

Terms Frequency MONTHLY Term Duration 7

Balance $11,177 Date Opened Oct 12, 2016

Amount Past Due Date Reported Oct 31, 2018

Actual Payment Amount Date of Last Payment Apr 01, 2018

Date of Last Activity Scheduled Payment Amount $434

Months Reviewed 24 Delinquency First Reported Apr 01, 2018

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount $9,414

Balloon Payment Date Balloon Payment Amount

Loan Type Auto Date Closed

Date of First Delinquency Dec 01, 2017

Comments

Charged off account

Fixed rate

Contact

FLAGSHIP CREDIT ACCEPTANCE,LLC 3 CHRISTY DRIVE STE 201 CHADDS FORD, PA 19317 1-800-707-0114

SEAN MARKL | Nov 04, 2018 Page 8 of 55

4.2 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 7924 Reported Balance $3,505

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 100%

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $3,500 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $3,505 Date Opened Sep 20, 2018

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 0 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

SEAN MARKL | Nov 04, 2018 Page 9 of 55

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 10 of 55

4.3 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 7824 Reported Balance $2,750

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 100%

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $2,750 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $2,750 Date Opened Sep 20, 2018

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 0 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

SEAN MARKL | Nov 04, 2018 Page 11 of 55

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 12 of 55

4.4 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 3324 Reported Balance $4,500

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 100%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

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

2016

2017

2018

Available Credit

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

2016

2017

2018

Scheduled Payment

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

2016

2017

2018

Actual Payment

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

SEAN MARKL | Nov 04, 2018 Page 13 of 55

2016

2017

2018

High Credit

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

2016

2017

2018

Credit Limit

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

2016

2017

2018

Amount Past Due

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

2016

2017

2018

Activity Designator

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

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

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

2018

SEAN MARKL | Nov 04, 2018 Page 14 of 55

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $4,500 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $4,500 Date Opened May 02, 2018

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 4 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 15 of 55

4.5 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 7624 Reported Balance $6,098

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 102%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

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

2016

2017

2018

Available Credit

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

2016

2017

2018

Scheduled Payment

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

2016

2017

2018

Actual Payment

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

SEAN MARKL | Nov 04, 2018 Page 16 of 55

2016

2017

2018

High Credit

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

2016

2017

2018

Credit Limit

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

2016

2017

2018

Amount Past Due

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

2016

2017

2018

Activity Designator

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

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

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

2018

SEAN MARKL | Nov 04, 2018 Page 17 of 55

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $6,000 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $6,098 Date Opened Apr 27, 2018

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 5 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 18 of 55

4.6 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 3824 Reported Balance $6,313

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 105%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

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

2016

2017

2018

Available Credit

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

2016

2017

2018

Scheduled Payment

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

2016

2017

2018

Actual Payment

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

SEAN MARKL | Nov 04, 2018 Page 19 of 55

2016

2017

2018

High Credit

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

2016

2017

2018

Credit Limit

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

2016

2017

2018

Amount Past Due

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

2016

2017

2018

Activity Designator

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

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

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

2018

SEAN MARKL | Nov 04, 2018 Page 20 of 55

2017

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $6,000 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $6,313 Date Opened Mar 23, 2017

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 18 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 21 of 55

4.7 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 3724 Reported Balance $4,500

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 100%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

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

2016

2017

2018

Available Credit

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

2016

2017

2018

Scheduled Payment

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

2016

2017

2018

Actual Payment

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

SEAN MARKL | Nov 04, 2018 Page 22 of 55

2016

2017

2018

High Credit

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

2016

2017

2018

Credit Limit

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

2016

2017

2018

Amount Past Due

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

2016

2017

2018

Activity Designator

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

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

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

2018

SEAN MARKL | Nov 04, 2018 Page 23 of 55

2017

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $4,500 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $4,500 Date Opened Mar 23, 2017

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 18 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 24 of 55

4.8 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 3024 Reported Balance $6,543

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 109%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

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

2016

2017

2018

Available Credit

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

2016

2017

2018

Scheduled Payment

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

2016

2017

2018

Actual Payment

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

SEAN MARKL | Nov 04, 2018 Page 25 of 55

2016

2017

2018

High Credit

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

2016

2017

2018

Credit Limit

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

2016

2017

2018

Amount Past Due

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

2016

2017

2018

Activity Designator

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

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

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

2018

SEAN MARKL | Nov 04, 2018 Page 26 of 55

2017

2016

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $6,000 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $6,543 Date Opened Jun 22, 2016

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 27 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 27 of 55

4.9 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 2924 Reported Balance $3,500

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 100%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

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

2016

2017

2018

Available Credit

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

2016

2017

2018

Scheduled Payment

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

2016

2017

2018

Actual Payment

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

SEAN MARKL | Nov 04, 2018 Page 28 of 55

2016

2017

2018

High Credit

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

2016

2017

2018

Credit Limit

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

2016

2017

2018

Amount Past Due

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

2016

2017

2018

Activity Designator

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

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

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

2018

SEAN MARKL | Nov 04, 2018 Page 29 of 55

2017

2016

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $3,500 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $3,500 Date Opened Jun 22, 2016

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 27 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 30 of 55

4.10 NISSAN ACCEPTANCE CORP.

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 0001 Reported Balance $21,729

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 91%

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

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

2018

2017

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $23,882 Owner UNDESIGNATED

Credit Limit Account Type INSTALLMENT

Terms Frequency MONTHLY Term Duration 6

Balance $21,729 Date Opened Nov 18, 2017

Amount Past Due Date Reported Sep 30, 2018

Actual Payment Amount $531 Date of Last Payment Sep 01, 2018

Date of Last Activity Scheduled Payment Amount $531

SEAN MARKL | Nov 04, 2018 Page 31 of 55

Months Reviewed 10 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Auto Date Closed

Date of First Delinquency

Comments

Fixed rate

Contact

NISSAN ACCEPTANCE CORP. PO BOX 660360 DALLAS, TX 75266-0360 1-214-596-4000

SEAN MARKL | Nov 04, 2018 Page 32 of 55

5. Other Accounts

Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support obligations or rental agreements.

5.1 WV DEPT OF HEALTH-CHLD ADVOCTE (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number Reported Balance $859

Account Status COLLECTION Debt-to-Credit Ratio N/A

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

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

2018 C C C C C C C C

2017 C C C C C C C C C C C C

2016 C C C

2015

2014

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

SEAN MARKL | Nov 04, 2018 Page 33 of 55

High Credit Owner INDIVIDUAL

Credit Limit Account Type OTHER

Terms Frequency UNKNOWN Term Duration 0

Balance $859 Date Opened Sep 15, 2014

Amount Past Due $859 Date Reported Sep 30, 2018

Actual Payment Amount $279 Date of Last Payment Sep 01, 2018

Date of Last Activity Scheduled Payment Amount $242

Months Reviewed 23 Delinquency First Reported Oct 01, 2016

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Date Closed

Date of First Delinquency Sep 01, 2018

Comments

Collection account

Customer has now located consumer

Contact

WV DEPT OF HEALTH-CHLD ADVOCTE 350 CAPITAL ST ROOM 147 CHARLESTON, WV 25305 1-304-558-3780

SEAN MARKL | Nov 04, 2018 Page 34 of 55

5.2 FIRST PEOPLES COMMUNITY FCU (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number Reported Balance $0

Account Status CHARGE_OFF Debt-to-Credit Ratio N/A

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

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

2015 CO

2014 CO CO

2013

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit Owner INDIVIDUAL

Credit Limit Account Type OTHER

Terms Frequency UNKNOWN Term Duration 0

Balance $0 Date Opened Oct 01, 2013

Amount Past Due Date Reported Feb 04, 2015

Actual Payment Amount Date of Last Payment

SEAN MARKL | Nov 04, 2018 Page 35 of 55

Date of Last Activity Scheduled Payment Amount

Months Reviewed 10 Delinquency First Reported Apr 01, 2014

Activity Designator PAID Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount $192

Balloon Payment Date Balloon Payment Amount

Loan Type Date Closed

Date of First Delinquency Mar 01, 2014

Comments

Paid charge off

Contact

FIRST PEOPLES COMMUNITY FCU 153 BALTIMORE STREET CUMBERLAND, MD 21502-2301 1-301-759-3515

SEAN MARKL | Nov 04, 2018 Page 36 of 55

6. Consumer Statements

Consumer Statements are explanations of up to 100 words (200 words if you live in Maine) you can attach to your credit file to provide more information on an item you may disagree with or would like to provide details on. Consumer statements are voluntary and have no impact on your credit score.

You currently do not have any Consumer Statements in your file.

SEAN MARKL | Nov 04, 2018 Page 37 of 55

7. Personal Information

Creditors use your personal information primarily to identify you. This information has no impact on your credit score.

Identification

Identification is the information in your credit file that indicates your current identification as reported to Equifax. It does not affect your credit score or rating.

Name SEAN C MARKL

Formerly known as

Social Security Number xxxxx 4903

Age or Date of Birth Mar 03, 1976

Other Identification

You currently do not have any Other Identifications in your file.

Alert Contact Information

You currently do not have any Alert Contacts in your file.

Contact Information

Contact information is the information in your credit file that indicates your former and current addresses as reported to Equifax. It does not affect your credit score or rating.

Address Status Date Reported

423 FRANKLIN ST CUMBERLAND, MD 21502

Current Oct 05, 2016

PO BOX 328 WILEY FORD, WV 26767

Former Oct 30, 2018

2965 LANDMARK DR SE CONYERS, GA 30094

Former Nov 04, 2018

10735 DAVID TAYLOR DR STE 560 CHARLOTTE, NC 28262

Former Nov 21, 2016

316 BRADDOCK ST APT 320 FROSTBURG, MD 21532

Former Oct 31, 2018

3 W CUMBERLAND ST WILEY FORD, WV 26767

Former Jan 16, 2014

SEAN MARKL | Nov 04, 2018 Page 38 of 55

552 NATIONAL HWY LA VALE, MD 21502

Former Jun 15, 2017

11911 ASTER AVE APT 3 CUMBERLAND, MD 21502

Former Mar 28, 2011

659 GREENE ST CUMBERLAND, MD 21502

Former Mar 28, 2011

421 FRANKLIN ST CUMBERLAND, MD 21502

Former Dec 29, 2016

Employment History

Employment history is the information in your credit file that indicates your current and former employment as reported to Equifax. It does not affect your credit score or rating.

Company Occupation Start Date Status Address

AMAZON FULFILMING ASSOC Current

SEAN MARKL | Nov 04, 2018 Page 39 of 55

8. Inquiries

A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and those that do not.

Hard Inquiries

Inquiries that may impact your credit rating/score

These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years.

Date Company Request Originator

Feb 22, 2018 U.S AUTO SALES, INC.

2875 UNIVERSITY PKWY LAWRENCEVILLE, GA 30043

1-770-962-9121

Jan 30, 2018 MCDONOUGH NISSAN

1775 AVALON PARKWAY MCDONOUGH, GA 30253

1-770-305-7970

Nov 18, 2017 NMAC

P O BOX 660360 DALLAS, TX 75266-0360

1-800-777-6116

Nov 18, 2017 ALLY FINANCIAL

P.O BOX 380901 BLOOMINGTON, MN 55438

1-800-200-4622

Nov 18, 2017 CAPITAL ONE

15000 CAPITAL ONE DRIVE RICHMOND, VA 23238

Nov 18, 2017 CONYERS NISSAN

1420 IRIS DRIVE CONYERS NISSAN CONYERS, GA 30094

1-937-485-1516

Oct 19, 2017 CHASE BANK USA, N. A.

SEAN MARKL | Nov 04, 2018 Page 40 of 55

201 N.WALNUT STREET WILMINGTON, DE 19801

1-800-677-7101

May 01, 2017 CCB/PPC

9690 DEERECO ROAD TIMONIUM, MD 21093

1-866-528-3733

Apr 01, 2017 NISSAN OF SOUTH ATLANTA

6889 JONESBORO RD. MORROW, GA 30260

1-770-968-6936

Mar 28, 2017 CAPITAL ONE BANK USA NA

15000 CAPITAL ONE DRIVE RICHMOND, VA 23238

Soft Inquiries

Inquiries that do not impact your credit rating/score

These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit file. They may remain on your file for up to 2 years.

Date Company Description

Sep 21, 2018 COMCAST Account Review Inquiry

Aug 07, 2018 CREDIT KARMA, INC Direct to Consumer Report

Apr 17, 2018 MEDLYTIX, LLC Account Review Inquiry

Nov 18, 2017 JPMORGAN CHASE BANK Portfolio Review Inquiry

Jun 15, 2017 EQUIFAX CONSUMER SERVICES

Mar 06, 2017 LEXISNEXIS Credit Report

SEAN MARKL | Nov 04, 2018 Page 41 of 55

9. Public Records

This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, LexisNexis. They can be contacted at: https://equifaxconsumers.lexisnexis.com

LexisNexis Consumer Center P.O. Box 105615 Atlanta, GA 30348-5108

Bankruptcies

Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score.

You currently do not have any Bankruptcies in your file.

Judgments

Judgments are a legal status granted by a court that indicates you must pay back an outstanding debt. Judgments stay on your credit report up to 7 years from the date filed and generally have a negative impact on your credit score.

You currently do not have any Judgments in your file.

Liens

A lien is a legal claim on an asset, and Equifax only collects tax related liens. Liens stay on your credit report up to 10 years and generally have a negative impact on your credit score.

You currently do not have any Liens in your file.

SEAN MARKL | Nov 04, 2018 Page 42 of 55

10. Collections

Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score.

Date Reported: Oct 31, 2018

Collection Agency COLLECTION SERVICE CENTER, INC

Balance Date Oct 31, 2018

Original Creditor Name LAMEH FANANAPAZIR MD Account Designator Code INDIVIDUAL_ACCOUNT

Date Assigned Aug 06, 2014 Account Number xxxx

Original Amount Owed $62 Creditor Classification Medical or Health Care

Amount $62 Last Payment Date

Status Date Oct 31, 2018 Date of First Delinquency Mar 25, 2014

Status UNPAID

Comments

Medical

Contact

COLLECTION SERVICE CENTER, INC 81 BALTIMORE STREET UITE 209 CUMBERLAND, MD 21502 1-724-337-4595

SEAN MARKL | Nov 04, 2018 Page 43 of 55

Date Reported: Oct 31, 2018

Collection Agency COLLECTION SERVICE CENTER, INC

Balance Date Oct 31, 2018

Original Creditor Name WESTERN MD HEALTH SYSTEM Account Designator Code INDIVIDUAL_ACCOUNT

Date Assigned Jan 04, 2016 Account Number xxxx

Original Amount Owed $286 Creditor Classification Medical or Health Care

Amount $286 Last Payment Date

Status Date Oct 31, 2018 Date of First Delinquency Aug 14, 2015

Status UNPAID

Comments

Medical

Contact

COLLECTION SERVICE CENTER, INC 81 BALTIMORE STREET UITE 209 CUMBERLAND, MD 21502 1-724-337-4595

SEAN MARKL | Nov 04, 2018 Page 44 of 55

Date Reported: Oct 31, 2018

Collection Agency COLLECTION SERVICE CENTER, INC

Balance Date Oct 31, 2018

Original Creditor Name WESTERN MD HEALTH SYSTEM Account Designator Code INDIVIDUAL_ACCOUNT

Date Assigned May 04, 2015 Account Number xxxx

Original Amount Owed $52 Creditor Classification Medical or Health Care

Amount $52 Last Payment Date

Status Date Oct 31, 2018 Date of First Delinquency Dec 12, 2014

Status UNPAID

Comments

Medical

Contact

COLLECTION SERVICE CENTER, INC 81 BALTIMORE STREET UITE 209 CUMBERLAND, MD 21502 1-724-337-4595

SEAN MARKL | Nov 04, 2018 Page 45 of 55

Date Reported: Oct 31, 2018

Collection Agency COLLECTION SERVICE CENTER, INC

Balance Date Oct 31, 2018

Original Creditor Name WESTERN MD HEALTH SYSTEM Account Designator Code INDIVIDUAL_ACCOUNT

Date Assigned Sep 16, 2014 Account Number xxxx

Original Amount Owed $375 Creditor Classification Medical or Health Care

Amount $375 Last Payment Date

Status Date Oct 31, 2018 Date of First Delinquency Mar 25, 2014

Status UNPAID

Comments

Medical

Contact

COLLECTION SERVICE CENTER, INC 81 BALTIMORE STREET UITE 209 CUMBERLAND, MD 21502 1-724-337-4595

SEAN MARKL | Nov 04, 2018 Page 46 of 55

Date Reported: Oct 31, 2018

Collection Agency COLLECTION SERVICE CENTER, INC

Balance Date Oct 31, 2018

Original Creditor Name WESTERN MD HEALTH SYSTEM Account Designator Code INDIVIDUAL_ACCOUNT

Date Assigned Aug 15, 2013 Account Number xxxx

Original Amount Owed $200 Creditor Classification Medical or Health Care

Amount $200 Last Payment Date

Status Date Oct 31, 2018 Date of First Delinquency Jan 26, 2013

Status UNPAID

Comments

Medical

Contact

COLLECTION SERVICE CENTER, INC 81 BALTIMORE STREET UITE 209 CUMBERLAND, MD 21502 1-724-337-4595

SEAN MARKL | Nov 04, 2018 Page 47 of 55

Date Reported: Oct 31, 2018

Collection Agency COLLECTION SERVICE CENTER, INC

Balance Date Oct 31, 2018

Original Creditor Name WESTERN MD HEALTH SYSTEM Account Designator Code INDIVIDUAL_ACCOUNT

Date Assigned Feb 14, 2013 Account Number xxxx

Original Amount Owed $172 Creditor Classification Medical or Health Care

Amount $172 Last Payment Date

Status Date Oct 31, 2018 Date of First Delinquency Sep 15, 2012

Status UNPAID

Comments

Medical

Contact

COLLECTION SERVICE CENTER, INC 81 BALTIMORE STREET UITE 209 CUMBERLAND, MD 21502 1-724-337-4595

SEAN MARKL | Nov 04, 2018 Page 48 of 55

Date Reported: Oct 28, 2018

Collection Agency CREDIT COLLECTIONS CO Balance Date Oct 28, 2018

Original Creditor Name BRADDOCK MEDICAL GROUP PA

Account Designator Code INDIVIDUAL_ACCOUNT

Date Assigned Mar 25, 2014 Account Number xxxxx 3701

Original Amount Owed $37 Creditor Classification Medical or Health Care

Amount $37 Last Payment Date

Status Date Oct 28, 2018 Date of First Delinquency Mar 12, 2013

Status UNPAID

Comments

Medical

Contact

CREDIT COLLECTIONS CO 16 DISTRIBUTOR DRIVE, SUITE 1 MORGANTOWN, WV 26501 1-304-292-3818

SEAN MARKL | Nov 04, 2018 Page 49 of 55

11. 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 in 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

SEAN MARKL | Nov 04, 2018 Page 50 of 55

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 20552.

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 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, 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.

SEAN MARKL | Nov 04, 2018 Page 51 of 55

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:

1a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates.

Contact

Bureau of Consumer Financial Protection 1700 G Street NW Washington, DC 20552

1b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB

Contact

Federal Trade Commission: Consumer Response Center - FCRA Washington, DC 20580 (877) 382-4357

2a. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal branches and federal agencies of foreign bank

Contact

Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050

2b. 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

Contact

Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN 55480

2c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations

Contact

FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106

2d. Federal Credit Unions

Contact

National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO) 1775 Duke Street Alexandria, VA 22314

3. Air carriers

SEAN MARKL | Nov 04, 2018 Page 52 of 55

Contact

Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, SE Washington, DC 20590

4. Creditors Subject to Surface Transportation Board

Contact

Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, SW Washington, DC 20423

5. Creditors Subject to Packers and Stockyards Act, 1921

Contact

Nearest Packers and Stockyards Administration area supervisor

6. Small Business Investment Companies

Contact

Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, SW, 8th Floor Washington, DC 20416

7. Brokers and Dealers

Contact

Securities and Exchange Commission 100 F Street NE Washington, DC 20549

8a. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations

Contact

Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090

8b. Retailers, Finance Companies, and All Other Creditors Not Listed Above

Contact

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

SEAN MARKL | Nov 04, 2018 Page 53 of 55

Your Rights Under State Law

Statement of Rights of the Consumer - Annotated Code of Maryland Commercial Law Article (141201, et seq.)

As a resident of the State of Maryland, you have the following rights as a consumer under the laws of the State of Maryland relating to consumer credit information.

You have the right to request, in writing, that a consumer reporting agency restrict the sale or other transfer of information in your credit file to:

1. A mail-service organization; 2. A marketing firm; or 3. Any other similar organization that obtains information about a consumer for marketing purposes.

You have a right, upon request and proper identification, to receive from a consumer reporting agency an exact copy of any credit file on you, including a written explanation of codes or trade language used in the report.

You have a right to receive disclosure of information in your credit file during normal business hours:

• In person, upon furnishing proper identification. • By telephone, if you make written request with proper identification, and toll charges, if any, are charged to you. • In writing, if you make written request and furnish proper identification.

You may be accompanied by one other person of your choosing, who must furnish reasonable identification, and the consumer reporting agency may require a written statement from you granting permission to discuss your credit information in this person's presence.

You have a right to dispute the completeness or accuracy of any item of information contained in your credit file, and if you convey the dispute in writing, the consumer reporting agency will, within 30 days, reinvestigate and record the current status of that information, unless it has reasonable grounds to believe that the dispute is frivolous or irrelevant.

If, after reinvestigation, the information you disputed is found to be inaccurate or cannot be verified, the consumer reporting agency will delete the information and mail to you a written notice of the correction and will also mail to each person to whom the erroneous information was furnished written notice of the correction. You will also be sent a written notice if the information you disputed is found to be accurate or is verified.

You will not be charged for our handling of the information you dispute, nor for the corrected reports resulting from our handling.

You have 60 days after receiving notice of correction or other findings to request in writing that the consumer reporting agency furnish you with the name, address, telephone number of each creditor contacted during its reinvestigation, and it will provide this information to you within 30 days after receiving your request.

If the reinvestigation does not resolve your dispute, you may file with the consumer reporting agency a brief statement of not more that 100 words, setting forth the nature of your dispute. This statement will be placed on your credit file, and in any subsequent report containing the information you dispute, it will be clearly noted that the information has been disputed by you, and your statement or a clear and accurate summary of it will be provided with that report.

Following deletion of any information you disputed that is found to be inaccurate or could not be verified, at your request, the consumer reporting agency will furnish notification of the information deleted or your statement, or statement summary, to any person you designate who has received your report within the past two years for employment purposes, or within the past one year for any other purpose.

Your Commissioner of Financial Regulation is Sarah Bloom Raskin. In the event you wish to file a complaint, please write or call the Office of the Commissioner of Financial Regulation, Complaint Unit, 500 N. Calvert Street, Suite 402, Baltimore, MD 21202; telephone number is (410) 230-6097. In addition to the rights above, you are entitled to request a copy of your file free of charge, one time within a twelve month period, and thereafter for a $5.00 charge each time.

State Of Maryland - Notice to Consumers

You have a right, under Section 14-1212.1 of the Commercial Law Article of the Annotated Code of Maryland, to place a security freeze on your credit report. The security freeze will prohibit a consumer reporting agency from releasing your credit report or any information

SEAN MARKL | Nov 04, 2018 Page 54 of 55

derived from your credit report without your express authorization. The purpose of a security freeze is to prevent credit, loans, and services from being approved in your name without your consent.

You may elect to have a consumer reporting agency place a security freeze on your credit report by written request sent by certified mail or by electronic mail or the internet if the consumer reporting agency provides a secure electronic connection. The consumer reporting agency must place a security freeze on your credit report within 3 business days after your request is received. Within 5 business days after a security freeze is placed on your credit report, you will be provided with a unique personal identification number or password to use if you want to remove the security freeze or temporarily lift the security freeze to release your credit report to a specific person or for a specific period of time. You also will receive information on the procedures for removing or temporarily lifting a security freeze.

If you want to temporarily lift the security freeze on your credit report, you must contact the consumer reporting agency and provide all of the following:

A consumer reporting agency must comply with a request to temporarily lift a security freeze on a credit report within 3 business days after the request is received or within 15 minutes for certain requests. A consumer reporting agency must comply with a request to remove a security freeze on a credit report within 3 business days after the request is received.

If you are actively seeking credit, you should be aware that the procedures involved in lifting a security freeze may slow your own applications for credit. You should plan ahead and lift a security freeze, either completely if you are seeking credit from a number of sources, or just for a specific creditor if you are applying only to that creditor, a few days before actually applying for new credit.

A consumer reporting agency may charge a reasonable fee not exceeding $5 for each placement, temporary lift, or removal of a security freeze. However, a consumer reporting agency may not charge any fee to a consumer who, at the time of a request to place, temporary lift, or remove a security freeze, presents to the consumer reporting agency a police report of alleged identity fraud against the consumer or an identity theft passport.

A security freeze does not apply if you have an existing account relationship and a copy of your credit report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control, or similar activities.

Note: In accordance with Maryland law, temporary lifting of a security freeze on a minor's or protected person's credit report is not permitted.

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, GA 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 $5.00. If you are a victim of identity theft and you submit a copy of a valid police report of alleged identity fraud or an identity theft passport, 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 5 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.

SEAN MARKL | Nov 04, 2018 Page 55 of 55