Personal Finance Week 4 Assignment
scharron99
creditReport_1614000366241.pdf
CREDIT REPORT
SAMANTHA CHARRON
Report Confirmation
1553898114
Dear SAMANTHA CHARRON: Thank you for requesting your Equifax credit report. Your credit report contains information received primarily from companies which have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater accuracy by reviewing all of the enclosed material carefully.
If there are items you believe to be incorrect, you may
• Initiate an investigation request via the Internet 24 hours a day, 7 days a week at: www.investigate.equifax.com
• Please mail the dispute information to: Equifax Information Services LLC P.O. Box 740241 Atlanta, GA 30374
• Call us at 866-349-5186
Please note, when you provide documents, including a letter, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information are the subject of your dispute.
You have the right to request and obtain a copy of your credit score. To obtain a copy of your credit score, please call our automated ordering system at: 1-877-SCORE-11.
SAMANTHA CHARRON | Feb 22, 2021 Page 2 of 34
1. Summary
Review this summary for a quick view of key information contained in your Equifax Credit Report.
Report Date Feb 22, 2021
Credit File Status No fraud indicator on file
Alert Contacts 0 Records Found
Average Account Age 1 Year, 6 Months
Length of Credit History 3 Years, 6 Months
Accounts with Negative Information 0
Oldest Account GRANITE STATE MANAGEMENT & RES (Opened Aug 30, 2017)
Most Recent Account NEW ENGLAND FEDERAL CRED UNION (Opened Jul 17, 2020)
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 2 1 $493 $1,707 $2,200 22.0% $35
Mortgage
Installment 2 2 $7,980 $751 $8,731 91.0% $129
Other
Total 4 3 $8,473 $2,458 $10,931 78.0% $164
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 4 Items Found
Inquiries 22 Inquiries Found
Most Recent Inquiry EQUIFAX CONSUMER SERVICESFeb 22, 2021
Public Records 0 Records Found
Collections 0 Collections Found
SAMANTHA CHARRON | Feb 22, 2021 Page 3 of 34
2. Revolving Accounts
Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards.
2.1 JPMCB - CARD SERVICES (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 PAYS_AS_AGREED Debt-to-Credit Ratio 0%
Available Credit $2,000
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
2019 $342 $366
2020 $73 $472 $296 $563 $461 $373 $374 $307
2021 $277
Available Credit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Scheduled Payment
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 $35 $35
2020 $35 $35 $45 $35 $35 $35 $38 $35
2021 $35
SAMANTHA CHARRON | Feb 22, 2021 Page 4 of 34
Actual Payment
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
High Credit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 $431 $728
2020 $728 $728 $728 $1,131 $1,131 $1,131 $1,131 $1,131
2021 $1,131
Credit Limit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 $1,000 $1,000
2020 $1,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000
2021 $2,000
Amount Past Due
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Activity Designator
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020 C C C C C
2021 C
Comments 1
Date Comment
03/2020 Account closed by credit grantor
SAMANTHA CHARRON | Feb 22, 2021 Page 5 of 34
Date Comment
04/2020 Account closed by credit grantor
05/2020 Account closed by credit grantor
06/2020 Account closed by credit grantor
08/2020 Account closed by credit grantor
01/2021 Account closed by credit grantor
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
2020
2019
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 $1,131 Owner INDIVIDUAL
Credit Limit $2,000 Account Type REVOLVING
Terms Frequency MONTHLY Term Duration 0
Balance $0 Date Opened Oct 06, 2019
Amount Past Due Date Reported Feb 09, 2021
Actual Payment Amount Date of Last Payment Feb 01, 2021
Date of Last Activity Scheduled Payment Amount
Months Reviewed 15 Delinquency First Reported
Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN
Deferred Payment Start Date Charge Off Amount
Balloon Payment Date Balloon Payment Amount
SAMANTHA CHARRON | Feb 22, 2021 Page 6 of 34
Loan Type Flexible Spending Credit Card Date Closed Jun 01, 2020
Date of First Delinquency
Comments
Account closed by credit grantor
Contact
JPMCB - CARD SERVICES 301 N WALNUT ST, FLOOR 09 WILMINGTON, DE 19801-3935 1-800-945-2000
SAMANTHA CHARRON | Feb 22, 2021 Page 7 of 34
2.2 COMENITYBANK/MAURICES
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 PAYS_AS_AGREED Debt-to-Credit Ratio 0%
Available Credit $300
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
2019
2020 $65 $0
2021
Available Credit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Scheduled Payment
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020 $3
2021
Actual Payment
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
SAMANTHA CHARRON | Feb 22, 2021 Page 8 of 34
2019
2020
2021
High Credit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020 $83 $83
2021
Credit Limit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020 $300 $300
2021
Amount Past Due
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Activity Designator
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
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
2020
SAMANTHA CHARRON | Feb 22, 2021 Page 9 of 34
2019
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 $83 Owner INDIVIDUAL
Credit Limit $300 Account Type REVOLVING
Terms Frequency MONTHLY Term Duration 0
Balance $0 Date Opened Nov 19, 2019
Amount Past Due Date Reported Feb 07, 2021
Actual Payment Amount Date of Last Payment May 01, 2020
Date of Last Activity Scheduled Payment Amount
Months Reviewed 15 Delinquency First Reported
Activity Designator Creditor Classification UNKNOWN
Deferred Payment Start Date Charge Off Amount
Balloon Payment Date Balloon Payment Amount
Loan Type Charge Account Date Closed
Date of First Delinquency
Comments Contact
COMENITYBANK/MAURICES 3075 LOYALTY CIRCLE PO BOX 182789 COLUMBUS, OH 43218
SAMANTHA CHARRON | Feb 22, 2021 Page 10 of 34
2.3 DISCOVER BANK
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 $493
Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 26%
Available Credit $1,900
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
2019
2020 $144 $171 $205 $183 $139 $572 $632 $792 $475
2021
Available Credit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Scheduled Payment
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020 $35 $35 $35 $35 $35 $35 $35 $35 $35
2021
Actual Payment
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
SAMANTHA CHARRON | Feb 22, 2021 Page 11 of 34
2019
2020
2021
High Credit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020 $144 $171 $205 $183 $139 $572 $632 $792 $792
2021
Credit Limit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,900 $1,900
2021
Amount Past Due
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Activity Designator
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
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
2020
SAMANTHA CHARRON | Feb 22, 2021 Page 12 of 34
2019
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 $792 Owner INDIVIDUAL
Credit Limit $1,900 Account Type REVOLVING
Terms Frequency MONTHLY Term Duration 0
Balance $493 Date Opened Nov 20, 2019
Amount Past Due Date Reported Feb 03, 2021
Actual Payment Amount Date of Last Payment Jan 01, 2021
Date of Last Activity Scheduled Payment Amount $35
Months Reviewed 14 Delinquency First Reported
Activity Designator Creditor Classification UNKNOWN
Deferred Payment Start Date Charge Off Amount
Balloon Payment Date Balloon Payment Amount
Loan Type Credit Card Date Closed
Date of First Delinquency
Comments Contact
DISCOVER BANK PO BOX15316 ATT:CMS/PROD DEVELOP WILMINGTON, DE 19850-5316 1-800-347-2683
SAMANTHA CHARRON | Feb 22, 2021 Page 13 of 34
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.
SAMANTHA CHARRON | Feb 22, 2021 Page 14 of 34
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 GRANITE STATE MANAGEMENT & RES
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 6049 Reported Balance $1,750
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
2019
2020
2021
Available Credit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Scheduled Payment
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
SAMANTHA CHARRON | Feb 22, 2021 Page 15 of 34
Actual Payment
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
High Credit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Credit Limit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Amount Past Due
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Activity Designator
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
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.
SAMANTHA CHARRON | Feb 22, 2021 Page 16 of 34
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
2019
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 $1,750 Owner INDIVIDUAL
Credit Limit Account Type INSTALLMENT
Terms Frequency DEFERRED Term Duration 0
Balance $1,750 Date Opened Aug 30, 2017
Amount Past Due $0 Date Reported Jan 31, 2021
Actual Payment Amount Date of Last Payment
Date of Last Activity Scheduled Payment Amount
Months Reviewed 41 Delinquency First Reported
Activity Designator Creditor Classification UNKNOWN
Deferred Payment Start Date Apr 01, 2025 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
GRANITE STATE MANAGEMENT & RES 44 WARREN ST DIRECT LOANS CONCORD, NH 03301 1-800-525-2577
SAMANTHA CHARRON | Feb 22, 2021 Page 17 of 34
4.2 NEW ENGLAND FEDERAL CRED UNION
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 xxxxx 36 Reported Balance $6,230
Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 89%
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
2019
2020 $6,889 $6,678 $6,572 $6,466
2021
Available Credit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Scheduled Payment
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020 $129 $129 $129 $129
2021
Actual Payment
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
SAMANTHA CHARRON | Feb 22, 2021 Page 18 of 34
2019
2020 $130 $130 $130
2021
High Credit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020 $6,981 $6,981 $6,981 $6,981
2021
Credit Limit
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Amount Past Due
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Activity Designator
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
2020
2021
Comments 1
Date Comment
08/2020 Fixed rate
09/2020 Fixed rate
11/2020 Fixed rate
SAMANTHA CHARRON | Feb 22, 2021 Page 19 of 34
Date Comment
12/2020 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
2020
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 $6,981 Owner INDIVIDUAL
Credit Limit Account Type INSTALLMENT
Terms Frequency MONTHLY Term Duration 5
Balance $6,230 Date Opened Jul 17, 2020
Amount Past Due Date Reported Jan 31, 2021
Actual Payment Amount $260 Date of Last Payment Jan 01, 2021
Date of Last Activity Scheduled Payment Amount $129
Months Reviewed 6 Delinquency First Reported
Activity Designator Creditor Classification UNKNOWN
Deferred Payment Start Date Charge Off Amount
Balloon Payment Date Balloon Payment Amount
Loan Type Secured Date Closed
Date of First Delinquency
Comments
Fixed rate
Contact
NEW ENGLAND FEDERAL CRED UNION PO BOX 527 WILLISTON, VT 05495-0527 1-802-879-8790
SAMANTHA CHARRON | Feb 22, 2021 Page 20 of 34
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.
You currently do not have any Other Accounts in your file.
SAMANTHA CHARRON | Feb 22, 2021 Page 21 of 34
6. Consumer Statements
Consumer Statements are explanations of up to 100 words 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.
SAMANTHA CHARRON | Feb 22, 2021 Page 22 of 34
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 SAMANTHA M CHARRON
Formerly known as
Social Security Number xxxxx 0029
Age or Date of Birth Jun 27, 1999
Other Identification
Date Reported Type Code Identification Number Reason
Dec 03, 2019 Social Security Number xxxxx 0024 Variation
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
50 DIAMOND ST APT 3 SAINT ALBANS, VT 05478
Current Feb 10, 2021
1034 COOK RD SAINT ALBANS, VT 05478
Former Jan 07, 2019
201 SAMSON RD SWANTON, VT 05488
Former Jan 06, 2021
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.
SAMANTHA CHARRON | Feb 22, 2021 Page 23 of 34
You currently do not have any Employment History in your file.
SAMANTHA CHARRON | Feb 22, 2021 Page 24 of 34
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
Nov 19, 2019 CAPITAL ONE
26525 NORTH RIVERWOODS BLVD PO# US364395 METTAWA, IL 60045
1-800-695-6950
Jun 19, 2019 SYNCB/PAYPAL
9690 DEERECO ROAD PO# 5100004917/SYNCB/PAYPAL LUTHERVILLE-TIMONIUM, MD 21094
1-866-528-3733
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 Request Originator Description
Feb 22, 2021 EQUIFAX CONSUMER SERVICES
Feb 02, 2021 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Jan 05, 2021 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Dec 01, 2020 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Nov 24, 2020 CAPITAL ONE BANK USA NA Promotional Inquiry
Nov 13, 2020 COMENITY BANK/VCTRSSEC Promotional Inquiry
Nov 03, 2020 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Oct 23, 2020 UPLIFT, INC.
Oct 06, 2020 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
SAMANTHA CHARRON | Feb 22, 2021 Page 25 of 34
Sep 29, 2020 CAPITAL ONE BANK USA NA Promotional Inquiry
Sep 01, 2020 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Aug 25, 2020 CAPITAL ONE BANK USA NA Promotional Inquiry
Aug 11, 2020 COMENITY BANK/VCTRSSEC Promotional Inquiry
Aug 04, 2020 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Jul 28, 2020 CAPITAL ONE BANK USA NA Promotional Inquiry
Jul 07, 2020 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Jun 02, 2020 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
May 05, 2020 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Mar 03, 2020 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Feb 25, 2020 CAPITAL ONE Account Review Inquiry
SAMANTHA CHARRON | Feb 22, 2021 Page 26 of 34
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.
SAMANTHA CHARRON | Feb 22, 2021 Page 27 of 34
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.
You currently do not have any Collections in your file.
SAMANTHA CHARRON | Feb 22, 2021 Page 28 of 34
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
SAMANTHA CHARRON | Feb 22, 2021 Page 29 of 34
Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
12. 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 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:
o a person has taken adverse action against you because of information in your credit report;
o you are the victim of identity theft and place a fraud alert in your file;
o your file contains inaccurate information as a result of fraud;
o you are on public assistance;
o 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 report 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 report information it has verified as accurate.
• Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
• Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
• You must give your consent for reports to be provided to employers.A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore.
• You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address form 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).
SAMANTHA CHARRON | Feb 22, 2021 Page 30 of 34
• The following FCRA right applies with respect to nationwide consumer reporting agencies:
CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE
You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
• 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, www.consumerfinance.gov/learnmore
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact (see next page):
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TYPE OF BUSINESS: CONTACT:
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 also should list, in addition to the CFPB:
a.Consumer Financial Protection Bureau 1700 G Street, N.W.Washington, DC 20552
b.Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357
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
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 Financial Protection (OCFP) Division of Consumer Compliance Policy and Outreach 1775 Duke Street Alexandria, VA 22314
3.Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20590
4.Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC 20423
5.Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor
6.Small Business Investment Companies Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, S.W., Suite 8200 Washington, DC 20416
7.Brokers and Dealers Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549
8.Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations
Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090
9.Retailers, Finance Companies, and All Other Creditors Not Listed Above
Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357
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Commonly Asked Questions About Credit Files
Q. How can I correct a mistake in my credit file?
A. Complete the Research Request form and give details of the information you believe is incorrect. We will then check with the credit grantor, collection agency or public record source to see if any error has been reported. Information that cannot be verified will be removed from your file. If you and a credit grantor disagree on any information, you will need to resolve the dispute directly with the credit grantor who is the source of the information in question.
Q. If I do have credit problems, is there someplace where I can get advice and assistance?
A. Yes, there are a number of organizations that offer assistance. For example, the Consumer Credit Counseling Service (CCCS) is a non-profit organization that offers free or low-cost financial counseling to help people solve their financial problems. CCCS can help you analyze your situation and work with you to develop solutions. There are more than 600 CCCS offices throughout the country. Call 1 (800) 388-2227 for the telephone number of the office nearest you.
Facts You Should Know
o The length of time an account or record remains in your credit file is shown below:
Collection Agency Accounts: Remain up to 7 years from the Date of First Delinquency.
Credit or Other reported accounts: Accounts paid as agreed remain for up to 10 years from the date last reported by the lender. Accounts not paid as agreed (i.e., delinquent, charged off, accounts placed for collection) remain for up to 7 years from the Date of First Delinquency.
Public Records: Bankruptcy-
Chapter 7 or 11 bankruptcies filed and discharged remain for 10 years from the date filed.
Chapter 12 and 13 bankruptcies remain for 7 years from the date filed.
Dismissed bankruptcies (all chapters) remain for 7 years from the date filed.
New York Residents Only (must be a current resident): Paid collections remain on your Equifax credit report for 5 years from the date of the first missed payment. A paid Charged Off account remains on the file for 5 years from the Date of First Delinquency.
o Name, address, and Social Security Number information may be provided to businesses that have a legitimate need to locate or identify a consumer.
Additional Notice to Consumer:
You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number.
If the reinvestigation does not resolve your dispute, you have the right to add a statement to your credit file disputing the accuracy or completeness of the information; the statement should be brief and may be limited to not more than one hundred words explaining the nature of your dispute.
If the reinvestigation results in the deletion of disputed information, or you submit a statement in accordance with the preceding paragraph, you have the right to request that we send your revised credit file to any company specifically designated by you that received your credit report in the past six months (twelve months for California, Colorado, Maryland, New Jersey and New York residents) for any purpose or in the past two years for employment purposes.
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Your Rights Under State Law
STATE OF VERMONT - NOTICE TO VERMONT CONSUMERS 1. Under Vermont law, you are allowed to receive one free copy of your credit report every 12 months from each credit reporting
agency. If you would like to obtain your free credit report from Equifax, you should contact us by writing to:
Equifax Information Services LLC P.O. Box 740241 Atlanta,
GA 30374-0241
or
you may call 1 (800) 685-1111 2. Under Vermont law, no one may access your credit report without your permission except under the following limited circumstances:
(A) in response to a court order; (B) for direct mail offers of credit; (C) if you have given ongoing permission and you have an existing relationship with the person requesting a copy of your credit
report; (D) where the request for a credit report is related to an education loan made, guaranteed, or serviced by the Vermont Student
Assistance Corporation; (E) where the request for a credit report is by the Office of Child Support Services when investigating a child support case; (F) where the request for a credit report is related to a credit transaction entered into prior to January 1, 1993; and (G) where the request for a credit report is by the Vermont State Tax Department and is used for the purpose of collecting or
investigating delinquent taxes. 3. If you believe a law regulating consumer credit reporting has been violated, you may file a complaint with the Vermont Attorney
Generals Consumer Assistance Program, 104 Morrill Hall, University of Vermont, Burlington, Vermont 05405.
You have a right to bring a civil action against someone who violates your rights under the credit reporting laws. The action can be brought against a credit reporting agency or a user of your credit report.
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