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Name:MAGSAM, ROD
Address:1035 RAINBOW
City, State Zip:SPRING BRANCH, TX 78070

Report #: 200801104099840Date Of Report: 2008-01-10



Account: DISCOVER FINAcct #: XXXXXXXX1086Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2007-08 $6000.00 $45.00 $2214.002008-01Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-12




Account: UNVL/CITIAcct #: XXXXXXXX0132Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2007-11 $2600.00 $20.00 $153.002007-12Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-11




Account: GEMB/WALMARTAcct #: XXXXXXXX0002Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2005-10 $2000.00 $15.00 $38.002007-12Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-11




Account: CITIAcct #: XXXXXXXX5999Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2004-07 $11800.00 $153.00 $7895.002007-12Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-11




Account: ASSOC/CITIAcct #: XXXXXXXX1225Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2007-10 $5600.00 $20.00 $149.002007-12Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-11




Account: BRYANT/GEMBAcct #: XXXXXXXX0218Type: Charge Account
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2006-11 $6000.00 $0.00 $0.002007-12Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-11




Account: CHASEAcct #: XXXXXXXX4544Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2007-08 $9700.00 $66.00 $3318.002007-12Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-11




Account: CITIAcct #: XXXXXXXX5858Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2005-12 $0.00 $0.00 $0.002007-12Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-11
Comments: TUC: Account closed by consumer




Account: FRD MOTOR CRAcct #: XXXX3044Type: Automobile
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2007-03 $0.00 $245.00 $0.002007-12Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-11
Comments: TUC: Closed




Account: CHASEAcct #: XXXXXXXX4534Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2003-08 $23900.00 $156.00 $7821.002007-12Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-11




Account: SEARS/CBSDAcct #: XXXXXXXX1450Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Authorized User2004-06 $3800.00 $0.00 $0.002007-12Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-11
Comments: TUC: Account closed by consumer




Account: WASHMTL/PROVAcct #: XXXXXX1507Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Terminated2006-03 $3500.00 $0.00 $0.002007-11Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-10
Comments: TUC: Account closed by credit grantor




Account: CHASEAcct #: XXXXXXXX0236Type: Home Equity Loan
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2007-03 $0.00 $808.00 $0.002007-06Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC000000-
Comments: TUC: Closed




Account: ASSOC/CITIAcct #: XXXXXXXX6757Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2006-08 $2000.00 $0.00 $0.002007-04Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-03
Comments: TUC: Account closed by consumer




Account: CHASEAcct #: XXXXXXXX4909Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2003-12 $15000.00 $0.00 $0.002007-04Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-03
Comments: TUC: Account closed by consumer




Account: FRD MOTOR CRAcct #: XXXX1860Type: Auto Lease
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2004-07 $0.00 $239.00 $0.002007-03Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-02
Comments: TUC: Closed




Account: USAA FSBAcct #: XXXX4507Type: Secured
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Co-maker2005-10 $0.00 $857.00 $0.002007-03Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002007-02
Comments: TUC: Account closed by consumer




Account: AMEXAcct #: XXXXXXXXXXXXXX3767Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2004-01 $4800.00 $0.00 $0.002007-03Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: DAIMLERCHRYSAcct #: XXXXXX7102Type: Automobile
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2004-04 $0.00 $236.00 $0.002006-11Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002006-10
Comments: TUC: Closed




Account: UNVL/CITIAcct #: XXXXXXXX5314Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2004-04 $3500.00 $0.00 $0.002006-09Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002006-08
Comments: TUC: Account closed by credit grantor




Account: AMEXAcct #: XXXXXXXXXXXXXX4021Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Terminated2005-02 $10000.00 $0.00 $0.002006-05Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002006-04
Comments: TUC: Account closed by consumer




Account: CHASEAcct #: XXXXXXXX4037Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Authorized User2005-05 $4500.00 $0.00 $0.002006-01Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002005-12
Comments: TUC: Account closed by consumer




Account: WELLS FARGOAcct #: XXXXXXXX0998Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2002-10 $10000.00 $0.00 $0.002006-01Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002005-12
Comments: TUC: Account closed by consumer




Account: CITIAcct #: XXXXXXXX6934Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2003-06 $4000.00 $0.00 $0.002005-12Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002005-11
Comments: TUC: Account closed by consumer




Account: WASHMTL/PROVAcct #: XXXXXX4733Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Authorized User2005-02 $9000.00 $0.00 $0.002005-11Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002005-10
Comments: TUC: Account closed by consumer




Account: DISCOVER FINAcct #: XXXXXXXX4304Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2005-04 $5000.00 $0.00 $0.002005-10Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002005-09
Comments: TUC: Account closed by consumer




Account: USAA FSBAcct #: XXXX7591Type: Home Equity Loan
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Co-maker2004-05 $0.00 $1538.00 $0.002005-10Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002005-09
Comments: TUC: Account closed by consumer




Account: DISCOVER FINAcct #: XXXXXXXX9649Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2003-01 $6000.00 $0.00 $0.002005-05Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002005-04
Comments: TUC: Account closed by consumer




Account: AMEXAcct #: XXXXXXXXXXXXXX1721Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2004-07 $12500.00 $0.00 $0.002005-01Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002004-12
Comments: TUC: Account closed by consumer




Account: GEMB/JCPAcct #: XX7067Type: Charge Account
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1963-01 $200.00 $0.00 $0.002004-10Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002004-09
Comments: TUC: Account closed due to transfer




Account: CHASE NAAcct #: XXXXXX0020Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2003-08 $9000.00 $0.00 $0.002004-10Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002004-09
Comments: TUC: Account closed by consumer




Account: CHASE NAAcct #: XXXXXX3160Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2002-08 $5500.00 $0.00 $0.002004-10Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002004-09
Comments: TUC: Account closed by consumer




Account: CITIAcct #: XXXXXXXX3930Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2002-04 $1300.00 $0.00 $0.002004-08Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002004-07
Comments: TUC: Account closed by consumer




Account: SEC SVC FCUAcct #: XXXXXX9024Type: Home Improvement
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Co-maker2002-06 $0.00 $1148.00 $0.002004-05Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002004-04
Comments: TUC: Account closed by consumer




Account: SEC SVC FCUAcct #: XXXXXX9023Type: Automobile
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2001-10 $0.00 $360.00 $0.002004-05Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002004-04
Comments: TUC: Account closed by consumer




Account: FRD MOTOR CRAcct #: XXXX5651Type: Auto Lease
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2001-05 $0.00 $191.00 $0.002004-04Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002004-03
Comments: TUC: Closed




Account: OAC/DFCAcct #: XXXXXX5246Type: Conventional Real Estate Mortgage
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Undesignated1993-12 $0.00 $371.00 $0.002004-03Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002004-02
Comments: TUC: Closed




Account: VANDBLT MTGAcct #: XX3734Type: Manufactured Housing
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Maker1993-12 $0.00 $50.00 $0.002004-02Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account information disputed by consumer




Account: FLEET CCAcct #: XXXXXXXX3740Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2001-10 $3500.00 $0.00 $0.002004-01Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002003-12
Comments: TUC: Account closed by consumer




Account: FIRST USA BKAcct #: XXXXXXXX0613Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2002-10 $22000.00 $0.00 $0.002004-01Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002003-12
Comments: TUC: Account closed by consumer




Account: FST USA BK BAcct #: XXXXXXXX2163Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2003-08 $24000.00 $0.00-2003-12Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002003-11




Account: GNB/BEALLSAcct #: XXXX6Type: Charge Account
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Undesignated2001-10 $2400.00 $0.00 $0.002003-09Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002003-08
Comments: TUC: Purchased by another lender




Account: UNVL/CITIAcct #: XXXXXXXX7193Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2002-06 $7000.00 $0.00 $0.002003-09Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002003-08
Comments: TUC: Account closed by consumer




Account: ASSOC/CITIAcct #: XX0899Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2000-11 $8000.00 $0.00 $0.002003-06Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002003-05
Comments: TUC: Account closed by consumer




Account: ASSOC/CITIAcct #: XX3909Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1998-06 $7000.00 $0.00 $0.002003-05Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002003-04
Comments: TUC: Account closed by consumer




Account: ASSOC/CITIAcct #: XX3909Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1998-12 $8000.00 $0.00 $0.002003-05Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002003-04
Comments: TUC: Account closed by consumer




Account: FST USA BK BAcct #: XXXXXXXX2312Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2002-05 $12200.00 $0.00 $0.002003-05Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002003-04
Comments: TUC: Account closed by consumer




Account: HSBC BANKAcct #: XXXXXXXX0457Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2002-05 $5000.00 $0.00 $0.002002-12Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002002-11
Comments: TUC: Account closed by consumer




Account: FST USA BK BAcct #: XXXXXXXX5117Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2001-11 $7200.00 $0.00 $0.002002-11Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002002-10
Comments: TUC: Account closed by consumer




Account: DISCOVER FINAcct #: XXXXXXXX3026Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2000-08 $6000.00 $0.00 $0.002002-11Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002002-10
Comments: TUC: Account closed by consumer




Account: GEMB/CHEVRONAcct #: XX1871Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Undesignated2002-01 $600.00 $0.00 $0.002002-07Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002002-06




Account: GEMB/CHEVRONAcct #: XX0156Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Undesignated2001-10 $600.00 $0.00 $0.002002-06Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002002-05
Comments: TUC: Account closed by consumer




Account: FST USA BK BAcct #: XXXXXXXX0955Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2001-06 $5000.00 $0.00 $0.002002-06Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002002-05
Comments: TUC: Account closed by consumer




Account: SEC SVC FCUAcct #: XXXXXX9020Type: Home Improvement
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2001-06 $0.00 $1170.00 $0.002002-06Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002002-05
Comments: TUC: Account closed by consumer




Account: BK OF AMERAcct #: XXXX5951Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2001-06 $10500.00 $0.00 $0.002002-02Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002002-01
Comments: TUC: Account closed by consumer




Account: HSBC BANKAcct #: XXXXXXXX0766Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2001-12 $2000.00 $0.00 $0.002001-12Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002001-11
Comments: TUC: Account closed by consumer




Account: FRD MOTOR CRAcct #: XXXXXXD81XType: Automobile
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2000-05 $0.00 $335.00 $0.002001-10Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002001-09
Comments: TUC: Closed




Account: CAPITAL 1 BKAcct #: XXXXXXXX6951Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2000-08 $0.00 $0.00 $0.002001-07Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002001-06
Comments: TUC: Account closed by consumer




Account: SEC SVC FCUAcct #: XXXXXX9021Type: Home Improvement
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Co-maker2000-04 $0.00 $0.00 $0.002001-06Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002001-05
Comments: TUC: Closed




Account: CITIAcct #: XXXXXXXX8974Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1999-01 $6000.00 $0.00 $0.002001-03Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002001-02
Comments: TUC: Account closed by consumer




Account: CAPITAL 1 BKAcct #: XXXXXXXX1482Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual2000-04 $0.00 $0.00 $0.002001-01Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002000-12
Comments: TUC: Account closed by consumer




Account: DISCOVER FINAcct #: XXXXXXXX0850Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Co-maker1987-08 $8000.00 $0.00 $0.002000-12Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002000-11
Comments: TUC: Account closed by consumer




Account: SEC SVC FCUAcct #: XXXXXXXX1006Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1996-08 $7000.00 $0.00 $0.002000-10Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002000-09
Comments: TUC: Account closed by consumer




Account: UNVL/CITIAcct #: XXXXXXXX0940Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1997-01 $3000.00 $0.00 $0.002000-08Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002000-07
Comments: TUC: Account closed by consumer




Account: SEC SVC FCUAcct #: XXXXXX9022Type: Automobile
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual- $0.00 $370.00 $0.002000-05Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC000000-
Comments: TUC: Account closed by consumer




Account: SAN ANTONIOAcct #: XXXXXXXX0110Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Co-maker1990-11 $7500.00 $0.00 $0.002000-05Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC0000002000-04
Comments: TUC: Account closed by consumer




Account: FRD MOTOR CRAcct #: XXXXXX3QE2Type: Automobile
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1998-05 $0.00 $233.00 $0.002000-05Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC000000-
Comments: TUC: Closed




Account: CHASE NAAcct #: XXXXXX0006Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1995-10 $11000.00 $0.00 $0.002000-04Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: HSBC BANKAcct #: XXXXXXXX1114Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1995-10 $10000.00 $0.00 $0.002000-03Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: FST USA BKAcct #: XXXXXXXX7178Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1998-05 $12000.00 $0.00 $0.002000-02Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: FST USA BK BAcct #: XXXXXXXX8846Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1997-09 $1000.00 $0.00 $0.001999-11Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: FST USA BK BAcct #: XXXXXXXX8846Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1997-09 $1000.00 $0.00 $0.001999-11Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: FST USA BK BAcct #: XXXXXXXX5751Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1996-06 $15000.00 $0.00 $0.001999-08Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: WACHOV/FTUAcct #: XXXXXXXX0402Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1996-08 $5000.00 $0.00 $0.001999-01Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: HSBC/RSAcct #: XXXXXXXXX5326Type: Unknown
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1996-08 $0.00 $0.00 $0.001998-12Paid or paying as agreed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: CITIAcct #: XXXXXXXX0650Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1996-06 $0.00 $0.00 $0.001998-12Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: GECAF/MBGAAcct #: XXX8530Type: Unknown
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1997-08 $0.00 $0.00 $0.001998-11Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: CAPITAL 1 BKAcct #: XXXXXXXX0600Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1997-03 $0.00 $0.00 $0.001998-08Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: FLEET CCAcct #: XXXXXXXX3114Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1997-06 $6000.00 $0.00 $0.001998-08Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: CAPITAL 1 BKAcct #: XXXXXXXX9576Type: Credit Card
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1996-12 $0.00 $0.00 $0.001998-07Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Account closed by consumer




Account: FRD MOTOR CRAcct #: XXXXXXWDM2Type: Automobile
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1996-06 $0.00 $243.00 $0.001998-06Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Closed




Account: ATLANTIC M&IAcct #: XXXXX9443Type: Real Estate Mortgage
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Co-maker1985-08 $0.00 $333.00 $0.001998-03Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Closed




Account: BANKAMERICAAcct #: XXXXXXXXXXXX8114Type: Automobile
Bureau
Tradeline
Type
Date
Open
High
Limit
Mo.
Pmnt.
Acct. Bal.
Last
Reported
Account Status
Amount
Past Due
TUC Individual1996-11 $0.00 $291.00 $0.001998-03Closed $0.00
Days Past Due
Bureau306090+History Date24 Month History
TUC-
Comments: TUC: Closed





No Entries Found





BureauTypeStatement
TUCConsumerOAC/DFC #3607002, DISPUTED. THE MARCH 2001 PAYMENT WAS SUBMITTED IN THE FORM OF A MONEY ORDER. THE PAYMENT WAS LOST IN THE POSTAL SYSTEM OR OAKWOOD ORGANIZATION. BY THE TIME A DUPLICATE MONEY ORDER WAS RECEIVED, THE OAKWOOD ACCOUNTING SYSTEM AUTOMATI
TUCConsumerCALLY REPORTED THE PAYMENT 30 DAYS LATE AND COULDN'T OR WOULDN'T REVERSE THE REPORT. IN COSIDERING THIS REPORT PLEASE REVIEW PAST HISTORY TO SEE THAT THERE IS NOT A PRACTICE OF MAKING LATE PAYMENTS.




BureauDateCredit Inquiry
TUC2008-01DISCOVER FIN
TUC2007-11CITI
TUC2007-10CITI
TUC2007-08FIRST USA NA
TUC2007-03BLUEBONNET M
TUC2007-02BANK ONE NA
TUC2007-01CITI
TUC2006-11CBUSA
TUC2006-08CITI




BureauTypeName
TUCPrimaryMAGSAM,ROD,
TUCAKAMAGSAM,RL,,




Employer Name
SW BELL YELCO
RETIRED SW BELL TELEPHONE




BureauAddressCityStateZip
TUC1035 RAINBOW SPRING BRANCHTX78070
TUC12055 REBECCA CREEK SPRING BRANCHTX78070
TUC1363 BALERO NEW BRAUNFELSTX78130




BureauNameAddressCityStateZipPhone
TUCDISCOVER FINANCIAL SERVIPOB 15316 WILMINGTON DE19850
TUCUNIVERSAL CARD/CBSDNAPO BOX 6241 SIOUX FALLS SD57117
TUCGEMB/WALMART DUAL CARDPO BOX 981416 EL PASO TX799988666111148
TUCCITI CARDS CBSDNAPOB 6241 SIOUX FALLS SD571178008430777
TUCASSOCIATES/CITIBANK SD NP O BOX 6003 HAGERSTOWN MD217428005335600
TUCBRYANT CORP/GEMBPO BOX 981439 EL PASO TX799988663968254
TUCCHASE BANK USA NABANK ONE CARD SERV WESTERVILLE OH430818009452006
TUCFORD MOTOR CREDITPOB 542000 OMAHA NE68154
TUCSEARS/CBSD8725 W SAHARA AVE THE LAKES NV89163
TUCWASHMTL/PROVPO BOX 9180 PLEASANTON CA945888003560011
TUCCHASECREDIT BUREAU DEPA FORT WORTH TX76101
TUCCHASE BANK USA NA800 BROOKSEDGE BLV WESTERVILLE OH43081
TUCUSAA FEDERAL SAVINGS BAN10750 MCDERMOTT SAN ANTONIO TX782888009229092
TUCAMERICAN EXPRESSP.O. BOX 981537 EL PASO TX799988008742717
TUCDAIMLERCHRYSLER LLCP.O. BOX 9223 FARMINGTON HIL MI48333
TUCWELLS FARGO CARD SERVICEPO BOX 5445 PORTLAND OR972088777785697
TUCGEMB/JC PENNEYPO BOX 981402 EL PASO TX799988005420800
TUCCHASE NA800 BROOKSEDGE BLV WESTERVILLE OH430818009452006
TUCSECURITY SVC FCUPO BOX 691510 SAN ANTONIO TX782568005277328
TUCOAKWOOD ACCEPTANCEPO BOX 35607 GREENSBORO NC274253366642500
TUCVANDERBILT MORTGAGE500 ALCOA TRAIL MARYVILLE TN378048653803000
TUCFLEET CC300 WAKEFIELD DR NEWARK DE19702
TUCFIRST USA BANK N.A.CORRESPONDENCE WILMINGTON DE19899
TUCFST USA BKPO BOX 8650 WILMINGTON DE19899
TUCBEALL'SP.O. BOX 64 JACKSONVILLE TX757668003240324
TUCASSOCIATES/CITIBANK SD NPO BOX 6003 HAGERSTOWN MD217428009505114
TUCHSBC BANKPO BOX 5253 CAROL STREAM IL601978009471000
TUCGE MONEY BANK/CHEVRONPOB 5010 CONCORD CA945248002438766
TUCBANK OF AMERICA4060 OGLETOWN/STAN NEWARK DE197138004212110
TUCHSBC BANKPO BOX 5253 CAROL STREAM IL601978004776000
TUCCAPITAL ONE BANK11013 W BROAD ST GLEN ALLEN VA23060
TUCSECURITY SERVICE FCUPO BOX 691510 SAN ANTONIO TX782568005277328
TUCSAN ANTONIO CREDIT UNIONPOB 1356 SAN ANTONIO TX782952107341279
TUCCHASE NA800 BROOKSEDGE BLV WESTERVILLE OH430818009452006
TUCHSBC BANKPO BOX 5253 CAROL STREAM IL601978004776000
TUCFST USA BKPO BOX 8650 WILMINGTON DE19899
TUCFST USA BKPO BOX 8650 WILMINGTON DE19899
TUCWACHOVIA BANK NA/FTUPO BOX 3117 WINSTON SALEM NC271023367478325
TUCHSBC RETAIL SERVICESPOB 15521 WILMINGTON DE19805
TUCCITIBANK SD NAPOB 6241 SIOUX FALLS SD571178009505118
TUCGECAF/MBGAP O BOX 103000 ROSWELL GA300763304937273
TUCFLEET CC300 WAKEFIELD DR NEWARK DE197023022667304
TUCATLANTIC MORTGAGE & INVE7159 CORKLAN DR. JACKSONVILLE FL322589042602642
TUCBANK OF AMERICA275 SOUTH VALENCIA BREA CA92823
TUCDISCOVER FINANCIAL SVCS248 CHAPMAN RAOD NEWARK DE19703
TUCCITIBANK SD NAP.O. BOX 6000 SIOUX FALLS SD57117
TUCCITIBANK SD NAP.O. BOX 6241 SIOUX FALLS SD57117
TUCFIRST USA NA800 BROOKSEDGE BLV WESTERVILLE OH430810000000000
TUCBLUEBONNET MOTORS INC.315 N. SEGUIN NEW BRAUNFELS TX781302106068011
TUCBANK ONE NA TX CONS LENDP O BOX 2629 HOUSTON TX772528772267402
TUCCITI CARDS CBSDNA701 60TH ST N SIOUX FALLS SD57104
TUCCITIBANK USA NA541 SID MARTIN RD. GRAY TN37615
TUCTRANSUNION LLC 2 BALDWIN PLACE
P O Box 1000 		CHESTERPA19022 1-800-888-4213
www.transunion
.com/direct
EFXEQUIFAX INFORMATION SVCSP.O. BOX 740256ATLANTAGA30374800-685-1111
EXPEXPERIANP.O. BOX 2002ALLENTX75013888-397-3742




Credit Score and Analysis

Background


Your credit scores are based on the information in your credit bureau reports. TransUnion TransRisk 2.0 Credit Scores are between 400 and 925. The higher your credit scores, the better. With a higher credit score, you are more likely to be eligible for the best credit card and loan offers, including terms and conditions, such as interest, fees, and benefits. Keep in mind that when lenders evaluate a credit application, credit scores are not the only factor they use in making their decision. They usually ask for additional information (such as income and monthly payments) to determine your ability to repay the loan.

Your Credit Score:

767
400505610715820925
0%102030405060708090100%

How does my score compare to others?
Your credit score is higher than 45% of the population.

Score scale
What does that mean to me?
You are doing a very good job of managing your credit; your score is in the second tier. You should be receiving good offers from lenders, although you may not be getting the very best credit card offers which are typically reserved for top tier scores. Stay focused on timely payments and maintaining a low balance in proportion to your available credit�even if you pay your bills in full each month. Time is on your side for raising your score to the next tier.

Potential Pitfalls: Closing accounts lowers your available credit without changing your current debt. The result is lenders see you as using a higher percentage of your available credit. Also, be responsible with paying things such as parking tickets and library fines. These, too, can be reported to the credit bureaus.

Credit Analysis

There are many factors that can directly affect your credit score. Some factors improve your credit score and others can bring it down. The most important factors affecting your personal credit score are shown below. While some of the factors listed may be having a large impact to your credit score, some may be barely influencing it all. For example, if you have a very high credit score, some negative factors may not make much difference to your score.

Positive Factors
blue stripe

Explanation
There are many factors that can influence your credit score. The most important factors are listed below, in their order of importance. Remember, these factors vary in how strongly they impact your credit score.

Additional details are provided for some factors to help you better understand how they relate to your credit accounts.

Here are the top factors affecting your score:

Credit accounts
Too many bankcard accounts - A small part of your credit score is determined by analyzing the type of credit you have including bankcard accounts. The mix has a greater impact on your score if there is minimal other information in your file. Too many accounts in one category may be considered a negative because of the potential to use the credit limit on each one.

Inquiries
Too many inquiries - Inquiries usually have a small impact on your credit score, but too many can be a red flag that you are on a shopping spree for credit and may overextend yourself. The impact is greater if you have a short credit history or few accounts. Only inquiries which are the result of your applying for credit affect your credit score. Involuntary inquiries from businesses apart from a credit application, those from an employer and those resulting from ordering your own credit report are not considered. Also, auto and mortage inquiries within a 14-day period count as a single inquiry each. So, completing rate shopping within that time frame helps. Although inquiries remain on your credit report for two years, the impact is less as they get older.

Credit accounts
Too many personal finance accounts - A small part of your credit score is determined by analyzing the type of credit you have including personal finance accounts. Too many accounts in one category may be considered a negative because of the potential to use the credit limit on each one.

Account balances
Total balance of revolving accounts is too high - A major part of your score is determined by analyzing how much you owe, particularly in proportion to your available credit. When a high percentage of your available credit has been used, it can raise concerns that you are overextending yourself and are more likely to make late payments or none at all. In addition to considering the amount owed on all accounts, the amount you owe on specific types of accounts, such as revolving accounts, is also a factor. Keep in mind that even if you pay your bills in full each month, your credit report will usually show the balance from your last statement. Keeping low balances (30% or less of available credit) can have a positive impact on your credit score.





Credit Report Key

How to Use this Credit Report Key:
First, check to see that your account and personal information is correct.
Then, to understand each section, please refer to the corresponding numbered explanations below.

SAMPLE OF A 3 BUREAU MERGED CREDIT REPORT

1. Personal Information

Check to see that your name, current address, and date of birth are correct.
2. Report Number
Refer to this number when making inquiries.
3. Account Information
The creditor with whom you have or had an account with, the account number, and type of account.
4. Tradeline Type
Explains who is responsible for the account and the type of participation you have with the account.
A- Individual Account Z- Authorized User C- Co-Maker U- Undesignated
J- Joint Account S- Spouse's Account M- Maker T- Terminated
5. Date Open
When the account was opened.
6. High Limit
Your credit limit, or the most you have ever charged on the account.
7. Monthly Payment
Your monthly payment for this account.
8. Account Balance
The balance you owe, as of the date the information was obtained.
9. Last Reported
The last date the account was updated by the creditor.
10. Account Status
Indicates whether the account is open, closed, or frozen.
11. Amount Past Due
Shows the total past due amount for all accounts.
12. Credit Bureau
Indicates which of the three main credit reporting agencies (Equifax, Experian, TransUnion)
reported the information.
13. Days Past Due 30/60/90
Any balance that is past due will appear in the Past Due 30/60/90 amount columns. Past Due 30/60/90 indicates the number of times an account was overdue 30, 60 or 90 days within the past seven years.
14. History Date
Date at which current history begins.
15. 24 Month History
For chronological reference. Indicates whether the account was current or past due on a month-to-month basis over the last 24 months � including the date shown under "History Date."
Not reported that monthCurrent Account
Current Account No BalanceToo new to rate; approved but not used
30 days late60 days late
90 days late120 days late
150 days lateCollection or charge off
Wage earner plan or bankruptcyRepossession or foreclosure




Para informacion en espanol, visitewww.ftc.gov/credito escribe a la FTC Consumer ResponseCenter, Room 130-A 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.

A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information.
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
a person has taken adverse action against you because of information in your credit report
you are the victim of identify theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.
In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for 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.ftc.gov/credit for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.ftc.gov/credit.
You may limit "prescreened" offers of credit and insurance you get based on information in your credit report.Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888- 567-8688.
You may seek damages from violators.If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are:
TYPE OF BUSINESS:CONTACT:
Consumer reporting agencies, creditors and others not listed below Federal Trade Commission:
Consumer Response Center - FCRA
Washington, DC 20580
1-877-382-4357
National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219
800-613-6743
Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Board
Division of Consumer & Community Affairs
Washington, DC 20551
202-452-3693
Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) Office of Thrift Supervision
Consumer Complaints
Washington, DC 20552
800-842-6929
Federal credit unions (words "Federal Credit Union" appear in institution's name) National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314
703-519-4600
State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation
Consumer Response Center
2345 Grand Avenue, Suite 100
Kansas City, Missouri 64108-2638
1-877-275-3342
Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation
Office of Financial Management
Washington, DC 20590
202-366-1306
Activities subject to the Packers and Stockyards Act 1921 Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250
202-720-7051



For Credit Report questions, call 800-916-8800. On behalf of CreditReport.com, this report is furnished at your request. This credit report is issued to permissible users as defined by the Fair Credit Reporting Act (Public Law 91-508) and is done in the strictest of confidence. Good faith effort has been made to obtain information from sources deemed as reliable, but the accuracy of this information is not guaranteed. TransUnion Consumer Solutions, PO Box 1000, Chester, PA 19022-2000.

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