06/27/2015

-Begin Credit Report-

Typically, creditors report any changes made to your account information monthly. This means that some accounts listed below may not reflect the most recent activity until the
creditor's next reporting. This information may include things such as balances, payments, dates, remarks, ratings, etc. The key(s) below are provided to help you understand some of
the account information that could be reported.

Rating Key
Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings in the key below describe the payments that may be reported
by your creditors. Please note: Some but not all of these ratings may be present in your credit report.

Remarks Key
Additionally, some creditors may notate your account with comments each month. We refer to these creditor comments as 'Remarks'. The key below gives the descriptions of the
abbreviated remarks contained in your credit file. Any remark containing brackets > < indicates that this remark is considered adverse.
CBG

CLOSED BY CREDIT GRANTOR

>PRL< UNPAID BALANCE CHARGED OFF

Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have
added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled.

CAPITAL ONE BANK USA NA #517805825759****

PO BOX 30281
SALT LAKE CITY, UT 84130
(800) 955-7070
Date Opened:
Responsibility:
Account Type:
Loan Type:

05/15/2013
Individual Account
Revolving Account
CREDIT CARD

Date Updated:
Last Payment Made:
Original ChargeOff:

06/07/2015
08/08/2013
$400

Pay Status:
>Charged Off< Terms:
Paid Monthly
Date Closed:
04/06/2014
>Maximum Delinquency of 120 days in 01/2014 for
$164 and in 02/2014 for $189<

Credit Limit: Credit limit of $300 from 06/2013 to 02/2014; $300 from 04/2014 to 06/2015
Estimated month and year that this item will be removed: 09/2020
06/2015

Balance

05/2015

04/2015

03/2015

02/2015

01/2015

12/2014

11/2014

10/2014

09/2014

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

Scheduled
Payment
Amount Paid

Past Due

High Balance

Remarks
Rating

$400

$400

$400

$400

$400

$400

$400

$400

$400

$400

CBG
>PRL<

CBG
>PRL<

CBG
>PRL<

CBG
>PRL<

CBG
>PRL<

CBG
>PRL<

CBG
>PRL<

CBG
>PRL<

CBG
>PRL<

CBG
>PRL<

C/O

C/O

C/O

C/O

C/O

C/O

C/O

C/O

C/O

C/O

08/2014

07/2014

06/2014

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

Balance

$400

$400

$400

$400

$400

Scheduled
Payment

$394

$394

$394

$394

$25

$25

$25

$42

$25

$25

$25

Amount Paid

Past Due

$400

$400

$400

$400

$400

$189

$164

$139

$97

High Balance

$400

$400

$400

$400

$400

$394

$394

$394

$394

Remarks
Rating

CBG
>PRL<

CBG
>PRL<

CBG
>PRL<

CBG
>PRL<

CBG
>PRL<

C/O

C/O

C/O

C/O

C/O

10/2013

09/2013

08/2013

07/2013

06/2013

Balance

N/R

$359

$324

$282

$301

$298

Scheduled
Payment

$41

$31

$25

$25

$25

Amount Paid

$25

$25

$25

$25

$0

Past Due

$56

$0

$0

$0

$0

$359

$324

$301

$301

$298

High Balance
Rating

30

OK

OK

OK

OK

120

120

90

60

PUBLIX EMPLOYEES FED CU #29107900****

PO BOX 1000
LAKELAND, FL 33802-1000
(800) 226-6673 x240

Date Opened:
Responsibility:
Account Type:
Loan Type:

06/05/2012
Individual Account
Installment Account
AUTOMOBILE

Date Updated:
Payment Received:
Last Payment Made:

05/31/2015
$0
12/26/2014

>Account 120 Days Past

Due Date<
Terms:
$648 per month, paid
Monthly for 260 months
>Maximum Delinquency of 120 days in 09/2014 for
$2,038 and in 05/2015 for $7,633<
Pay Status:

High Balance: High balance of $15,590 from 12/2012 to 01/2013; $15,590 from 03/2013 to 05/2015
Estimated month and year that this item will be removed: 04/2021
05/2015
Balance

Balance

02/2015

01/2015

12/2014

11/2014

10/2014

09/2014

08/2014

$14,330

$14,330

$12,295

$12,170

$12,170

$12,755

$12,755

$12,779

$12,853

$648

$648

$648

$478

$478

$478

$653

$653

$653

$653

$0

$0

$0

$0

$0

$585

$0

$48

$153

$298

$7,633

$6,984

$6,336

$4,162

$3,683

$3,204

$3,297

$2,643

$2,038

$1,537

Amount Paid

Rating

03/2015

$14,330

Scheduled
Payment

Past Due

04/2015

120

120

120

120

120

120

120

120

120

90

07/2014

06/2014

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

10/2013

$13,107

$13,219

$13,466

$11,615

$11,906

$12,612

$12,946

$13,328

$13,772

$13,976

Scheduled
Payment

$653

$653

$653

$478

$478

$478

$478

$478

$478

$478

Amount Paid

$148

$298

$298

$348

$753

$383

$448

$493

$258

$518

$1,182

$676

$321

$0

$0

$109

$13

$0

$0

$0

Past Due
Rating

Balance

60

60

30

OK

OK

30

30

OK

OK

OK

09/2013

08/2013

07/2013

06/2013

05/2013

04/2013

03/2013

02/2013

01/2013

12/2012

$14,426

$12,492

$13,096

$13,096

$13,494

$13,494

$13,494

$13,767

$14,040

Scheduled
Payment

$478

$293

$293

$293

$293

$293

$293

$293

$293

Amount Paid

$328

$736

$0

$587

$0

$0

$67

$338

$271

$0

$0

$293

$0

$293

$0

$0

$0

$0

Past Due

Rating

Rating

OK

OK

30

OK

30

OK

11/2012

10/2012

09/2012

08/2012

07/2012

06/2012

OK

OK

OK

OK

OK

OK

OK

N/R

OK

OK

CREDIT COLLECTION SERVIC #5111****

PO BOX 9134
NEEDHAM, MA 02494-9134
(603) 570-4784
Placed for
02/24/2014
collection:
Responsibility:
Individual Account
Account Type:
Open Account
COLLECTION
Loan Type:
AGENCY/ATTORNEY

Balance:
Date Updated:
Original Amount:
Original Creditor:

$93
06/13/2014
$93
PROGRESSIVE
INSURANCE
COMPANY
(Insurance)
>$93<

Past Due:
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 10/2018

Pay Status:

>In Collection<

The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note:
Accounts are reported as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid
on or before the due date.

HORIZON CARD SERVICES #800200020205****

POB 1275
INDIANA, PA 15701-5275
(800) 251-6144
Date Opened:
09/05/2013
Date Updated:
Responsibility:
Individual Account
Payment Received:
Account Type:
Revolving Account
Loan Type:
CREDIT CARD
High Balance: High balance of $0 from 09/2013 to 05/2015
Credit Limit: Credit limit of $500 from 09/2013 to 05/2015
05/2015

04/2015

03/2015

05/29/2015
$0

Pay Status:

Current; Paid or Paying as

Agreed
Paid Monthly

Terms:

02/2015

01/2015

12/2014

11/2014

10/2014

09/2014

08/2014

Balance

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Amount Paid

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

07/2014

06/2014

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

10/2013

Balance

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Amount Paid

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

09/2013
Balance

$0

Amount Paid

$0

Past Due

$0

Rating

OK

KAY JEWELERS #314862****

375 GHENT RD
FAIRLAWN, OH 44333-4601
Phone number not available
Date Opened:
09/13/2013
Date Updated:
Responsibility:
Individual Account
Payment Received:
Account Type:
Revolving Account
CHARGE
Loan Type:
ACCOUNT
High Balance: High balance of $0 from 09/2013 to 06/2015
Credit Limit: Credit limit of $400 from 09/2013 to 06/2015
06/2015

05/2015

04/2015

06/20/2015
$0

Pay Status:

Current; Paid or Paying as

Agreed
Paid Monthly

Terms:

03/2015

02/2015

01/2015

12/2014

11/2014

10/2014

09/2014

Balance

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Amount Paid

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

08/2014

07/2014

06/2014

05/2014

04/2014

03/2014

02/2014

01/2014

12/2013

11/2013

Balance

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Amount Paid

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Past Due

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Rating

OK

OK

10/2013

09/2013

OK

Balance

$0

$0

Amount Paid

$0

$0

Past Due

$0

$0

Rating

OK

PUBLIX EMPLOYEES FED CU

PO BOX 1000
LAKELAND, FL 33802-1000
(800) 226-6673 x240

OK

OK

OK

OK

OK

OK

OK

OK

Date Opened:
Responsibility:
Account Type:
Loan Type:

10/04/2011
Individual Account
Installment Account
AUTOMOBILE

Balance:
Date Updated:
Payment Received:
Last Payment Made:
High Balance:

$0
06/05/2012
$0
06/05/2012
$11,300

Pay Status:

Current; Paid or Paying

as Agreed
$285 per month, paid
Weekly for 48 months
06/05/2012

Terms:
Date Closed:

Remarks: CLOSED

Rating

05/2012

04/2012

03/2012

02/2012

01/2012

12/2011

11/2011

OK

N/R

OK

OK

OK

OK

OK

Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit
information on the dates specified. These inquiries will remain on your credit file for up to 2 years.

SYNCB/SAM'S PLCC

SYNCB/WALMART PLCC

PO BOX 965005
ORLANDO, FL 32896
(800) 964-1917

PO BOX 965024
ORLANDO, FL 32896
(877) 294-7880

Requested On:
Inquiry Type:

06/10/2015
Individual

Requested On:
Inquiry Type:

08/21/2014, 08/23/2013
Individual

BARCLAYS BANK DELAWARE

PO BOX 8803
WILMINGTON, DE 19899
(866) 370-5931
Requested On:
Inquiry Type:

07/26/2014
Individual

The companies listed below received your name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full
credit report. These inquiries are not seen by anyone but you and do not affect your score.

METLIFE AUTO & HOME INS

700 QUAKER LANE
WARWICK, RI 02886
(800) 422-4272
Requested On: 05/17/2015, 03/22/2015, 03/15/2015, 02/28/2015, 10/15/2014

GRANITE BAY ACCEPTANCE I

1781 VINEYARD DR.
#222
ANTIOCH, CA 94509
(925) 779-1901
Requested On: 08/15/2014

NATIONAL AUTO INSPECTION

10950 GILROY ROAD
SUITE D
HUNT VALLEY, MD 21031
(443) 697-0232
Requested On: 01/15/2015

The listing of a company's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you.
These inquiries are not seen by anyone but you and will not be used in scoring your credit file (except insurance companies may have access to other insurance company inquiries,
certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries,
where permitted by law).

via TRANSUNION INTERACTIVE

WEBBANK/AVANT

100 CROSS STREET #

SAN LUIS OBISP, CA 93401
(800) 493-2392

640 N LASALLE ST
UNIT 535
CHICAGO, IL 60654
(800) 712-5407

Requested On: 06/19/2015

Permissible Purpose: CONSUMER REQUEST

STERLING JEWELERS / CRED

375 GHENT RD
FAIRLAWN, OH 44333-4601
(800) 877-8169
Requested On: 05/12/2015

SAFECO INS AUTO

SAFECO PLAZA
1001 FOURTH AVENUE
SEATTLE, WA 98154
(800) 332-3226
Requested On: 03/21/2015
Permissible Purpose: INSURANCE UNDERWRITING

SENTRY
1800 DEMING WAY
MIDDLETON, WI 53562
(800) 334-0090
Requested On: 12/19/2014
Permissible Purpose: INSURANCE UNDERWRITING

Requested On: 06/19/2015

THE HARTFORD/LEXIS NEXIS

1000 ALDERMAN DRIV
ALPHARETTA, GA 30005
(800) 624-5578
Requested On: 03/21/2015
Permissible Purpose: INSURANCE UNDERWRITING

GEICO
ONE GEICO BLVD
FREDERICKSBURG, VA 22412
(800) 691-3918
Requested On: 12/19/2014, 10/14/2014
Permissible Purpose: INSURANCE UNDERWRITING

VICTORIA INSURANCE GROUP

ONE NATIONWIDE PLA
01-17-201
COLUMBUS, OH 43215
(800) 882-2822
Requested On: 12/19/2014, 11/25/2014
Permissible Purpose: INSURANCE UNDERWRITING

WINDHAVEN SELECT, LLC

MGA INSURANCE (GAINSCO)

5835 BLUE LAGOON D

SUITE 401
MIAMI, FL 33126
(786) 709-4800

3333 LEE PARKWAY

STE 1200
DALLAS, TX 75219
(972) 629-4461

Requested On: 12/19/2014

Permissible Purpose: INSURANCE UNDERWRITING

Requested On: 12/19/2014

Permissible Purpose: INSURANCE UNDERWRITING

CBE GROUP
1309 TECHNOLOGY PK
CEDAR FALLS, IA 50613
(319) 234-6686
Requested On: 12/05/2014

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP, CA 93401
(888) 567-8688
Requested On: 09/15/2014

TU INTERACTIVE

LENDING CLUB/WEBBANK

100 CROSS ST
#202
SAN LUIS OBISP, CA 93401
(888) 567-8688

71 STEVENSON STREE
SUITE 300
SAN FRANCISCO, CA 94105
(888) 596-3157

Requested On: 09/04/2014

Requested On: 08/18/2014, 10/12/2013

via KARMA/TRANSUNION INTERAC

100 CROSS STREET
SAN LUIS OBISP, CA 93401
(805) 782-8282
Requested On: 04/28/2014
Permissible Purpose: CONSUMER REQUEST

CONSUMER INFO.COM
18500 VON KARMEN A
#900
IRVINE, CA 92612
(877) 481-6826
Requested On: 03/09/2014
Permissible Purpose: WRITTEN AUTHORIZATION

MABT MILESTONE
PO BOX 4499
BEAVERTON, OR 97076
(866) 453-2636
Requested On: 10/28/2013

-End of Credit Report-