CreditReport 4785474767 Teresa Dillard

CREDIT REPORT
TERESA DILLARD
Report Confirmation
4785474767
Dear TERESA DILLARD:
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:
https://www.equifax.com/personal/credit-report-services/credit-dispute/
• 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.
TERESA DILLARD | Oct 11, 2024 Page 2 of 49

1. Summary
Review this summary for a quick view of key information contained in your Equifax Credit Report.
Report Date Oct 11, 2024
Credit File Status No fraud indicator on file
Alert Contacts 0 Records Found
Average Account Age 2 Years, 7 Months
Length of Credit History 5 Years, 9 Months
Accounts with Negative Information 4
Oldest Account FIRST PREMIER (Opened Jan 03, 2019)
Most Recent Account TBOM MIL (Opened Jun 05, 2024)
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 3 3 $1,459 $41 $1,500 97.0% $101
Mortgage
Installment 0 0
Other 0 0
Total 3 3 $1,459 $41 $1,500 97.0% $101
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 14 Items Found
Inquiries 19 Inquiries Found
Most Recent Inquiry CAPITAL ONE BANK USA NA Sep 20, 2024
Public Records 0 Records Found
Collections 5 Collections Found

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 CAPITAL ONE BANK USA NA
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 xxxxxxxxxxxx 1534 Reported Balance $247
Account Status PAYS_AS_AGREED Available Credit $53
Account History
The tables below show up to 24 months historical data. If a table is blank, this data was not provided to Equifax.
Balance
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022
2023 $299
2024 $268 $297 $299 $295 $73 $62 $71 $284 $247
Scheduled Payment
2022
2023 $25
2024 $25 $25 $25 $25 $25 $25 $25 $25 $25
Actual Payment
2022
2023
2024
Credit Limit

2022
2023 $300
2024 $300 $300 $300 $300 $300 $300 $300 $300 $300
Amount Past Due
2022
2023
2024
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.
2024
2023
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 $317 Payment Responsibility INDIVIDUAL
Credit Limit $300 Account Type REVOLVING
Terms Frequency MONTHLY Term Duration
Balance $247 Date Opened Nov 28, 2023
Amount Past Due Date Reported Sep 21, 2024
Actual Payment Amount Date of Last Payment Sep 2024
Date of Last Activity Sep 2024 Scheduled Payment Amount $25
Months Reviewed 9 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
Credit card CAPITAL ONE BANK USA NA

PO BOX 31293
Salt Lake City, UT 84131-1293
(800) 955-7070

2.2 OPENSKY CAPITAL BANK NA
Summary
Account History
Balance
2022
2023
2024 $35 $203 $201 $2 $1 $198 $164 $177 $185
Scheduled Payment
2022
2023
2024 $35 $28 $26 $2 $1 $25 $25 $25 $25
Actual Payment
2022
2023
2024 $35 $100 $399 $142 $1 $198 $25 $195
Credit Limit
2022
2023

2024 $200 $200 $200 $200 $200 $200 $200 $200 $200
Amount Past Due
2022
2023
2024
Payment History
2024
Account Details
Balance $185 Date Opened Jan 04, 2024
Actual Payment Amount $195 Date of Last Payment Aug 2024

Comments Contact
Credit card OPENSKY CAPITAL BANK NA

1900 CAMPUS COMMONS DR SUITE 130
RESTON, VA 20191
(800) 859-6412

2.3 TBOM MIL
Summary
Account Number xxxxxxxxxxxx 8261 Reported Balance $1,027
Account Status PAYS_AS_AGREED Available Credit -$27
Account History
Balance
2022
2023
2024 $253 $969 $1,022 $1,027
Scheduled Payment
2022
2023
2024 $40 $48 $51 $51
Actual Payment
2022
2023
2024 $430 $48 $100
Credit Limit
2022
2023

2024 $1,000 $1,000 $1,000 $1,000
Amount Past Due
2022
2023
2024
Payment History
2024
Account Details
High Credit $1,051 Payment Responsibility INDIVIDUAL
Credit Limit $1,000 Account Type REVOLVING
Balance $1,027 Date Opened Jun 05, 2024
Actual Payment Amount $100 Date of Last Payment Sep 2024

Comments Contact
Credit card TBOM MIL

PO BOX 4499
BEAVERTON, OR 97076
(800) 305-0330

2.4 FIRST PREMIER (CLOSED)
Summary
Account Status CHARGE_OFF Available Credit -$157
Account History
Balance
2022 $457
2023 $457 $457 $457 $457 $457 $457 $457 $457 $457 $457 $457 $457
2024 $457 $457 $457 $457 $457 $457 $457 $457 $457
Scheduled Payment
2022
2023
2024
Actual Payment
2022
2023
2024
Credit Limit
2022 $300
2023 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300

2024 $300 $300 $300 $300 $300 $300 $300 $300 $300
Amount Past Due
2022 $457
2023 $457 $457 $457 $457 $457 $457 $457 $457 $457 $457 $457 $457
2024 $457 $457 $457 $457 $457 $457 $457 $457 $457
Payment History
2024 CO CO CO CO CO CO CO CO
2023 CO CO CO CO CO CO CO CO CO CO CO CO
2019 30 60 90 CO CO CO CO
Account Details
High Credit Payment Responsibility INDIVIDUAL
Terms Frequency UNKNOWN Term Duration
Balance $457 Date Opened Jan 03, 2019
Amount Past Due $457 Date Reported Sep 08, 2024
Actual Payment Amount Date of Last Payment Mar 2019
Date of Last Activity Scheduled Payment Amount

Months Reviewed 68 Delinquency First Reported Sep 2019
Deferred Payment Start Date Charge Off Amount $457
Date of First Delinquency May 08, 2019
Comments Contact
Charged off account FIRST PREMIER

3820 N Louise Ave
Credit card
Sioux Falls, SD 57107-0145
(800) 501-6535

2.5 AUSTIN CAPITAL BANK SSB (CLOSED)
Summary
Account Number xxxxxx L110 Reported Balance $0
Account History
Balance
2022
2023 $20 $20 $20
2024 $20
Scheduled Payment
2022
2023 $20 $20 $20
2024 $20
Actual Payment
2022
2023 $20 $40
2024 $60
Credit Limit
2022
2023 $500 $500 $500

2024 $500
Amount Past Due
2022
2023
2024
Payment History
2024
2023
Account Details
Balance $0 Date Opened Sep 30, 2023
Amount Past Due Date Reported Feb 22, 2024
Actual Payment Amount $60 Date of Last Payment Feb 2024
Date of Last Activity Feb 2024 Scheduled Payment Amount
Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN

Loan Type Credit Line Secured Date Closed Feb 2024
Comments Contact
Closed or paid account/zero balance AUSTIN CAPITAL BANK SSB

8100 Shoal Creek Blvd
Secured credit line
Austin, TX 78757-8041
Fixed rate (512) 693-3600

2.6 Montgomery Wards (CLOSED)
Summary
Account Number xxxxxxxxx 529O Reported Balance $845
Account Status CHARGE_OFF Available Credit -$95
Account History
Balance
2022
2023 $796 $812 $845 $845
2024
Scheduled Payment
2022
2023 $35 $35 $35
2024
Actual Payment
2022
2023
2024
Credit Limit
2022
2023 $750 $750 $750 $750

2024
Amount Past Due
2022
2023 $70 $140 $140
2024
Payment History
2023 60 90 120
2022 30
Account Details
High Credit Payment Responsibility INDIVIDUAL
Balance $845 Date Opened Aug 23, 2022
Amount Past Due $140 Date Reported May 22, 2023
Actual Payment Amount Date of Last Payment Oct 2022
Months Reviewed 6 Delinquency First Reported May 2023
Deferred Payment Start Date Charge Off Amount $845

Loan Type Charge Account Date Closed
Date of First Delinquency Dec 2022
Comments Contact
Charged off account Montgomery Wards

1112 7th Ave
Charge
Monroe, WI 53566-1364
(800) 282-3829

2.7 FINGERHUT/WEBBANK (CLOSED)
Summary
Payment History
2020
2019
Account Details
Balance $0 Date Opened Feb 24, 2019
Amount Past Due Date Reported Mar 17, 2020
Actual Payment Amount Date of Last Payment

Loan Type Charge Account Date Closed Mar 2020
Comments Contact
Closed or paid account/zero balance FINGERHUT/WEBBANK

6250 Ridgewood Rd
Charge
Saint Cloud, MN 56303-0820
Account closed due to inactivity (320) 654-3800

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.

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 AUSTIN CAPITAL BANK SSB (CLOSED)
Summary
Account Number xxxxxx 7773 Reported Balance $0
Account Status PAYS_AS_AGREED Available Credit
Account History
Balance
2022
2023 $2,464 $2,429 $2,393
2024 $2,347
Scheduled Payment
2022
2023 $49 $49 $49
2024 $49
Actual Payment
2022
2023 $74 $49 $49
2024 $98
Credit Limit

2022
2023
2024
Amount Past Due
2022
2023
2024
Payment History
2024
2023
Account Details
High Credit $2,500 Payment Responsibility INDIVIDUAL
Credit Limit Account Type INSTALLMENT
Terms Frequency MONTHLY Term Duration 60 MONTHS
Balance $0 Date Opened Sep 30, 2023
Amount Past Due Date Reported Feb 29, 2024
Actual Payment Amount Date of Last Payment Feb 2024
Date of Last Activity Feb 2024 Scheduled Payment Amount

Loan Type Secured Date Closed Feb 2024
Comments Contact
Closed or paid account/zero balance AUSTIN CAPITAL BANK SSB

8100 Shoal Creek Blvd
Secured
Austin, TX 78757-8041
Fixed rate (512) 693-3600

5. Other Accounts
Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support
obligations or rental agreements.
5.1 LVNV FUNDING LLC (CLOSED)
Summary
Account Status COLLECTION Available Credit
Account History
Balance
2022
2023 $612 $612 $612 $612 $612 $612 $612 $612 $612 $612 $612
2024 $612 $612 $612 $612 $612 $612 $612 $612 $612
Scheduled Payment
2022
2023
2024
Actual Payment
2022
2023
2024
Credit Limit

2022
2023
2024
Amount Past Due
2022
2023 $612 $612 $612 $612 $612 $612 $612 $612 $612 $612 $612
2024 $612 $612 $612 $612 $612 $612 $612 $612 $612
Payment History
2024 C C C C C C C C
2023 C C C C C C C C C
2022
2021
2020
2019
Account Details
Credit Limit Account Type OTHER
Balance $612 Date Opened Oct 15, 2019

Amount Past Due $612 Date Reported Oct 02, 2024
Months Reviewed 57 Delinquency First Reported Jan 2020
Activity Designator Creditor Classification FINANCIAL
Loan Type Debt Buyer Account Date Closed
Date of First Delinquency Mar 15, 2019
Comments Contact
Collection account LVNV FUNDING LLC

CARE OF RESURGENT CAPITAL SERVICES L.P
PO BOX 1269
Greenville, SC 29602
(866) 464-1183

5.2 NATIONAL CREDIT ADJUSTERS (CLOSED)
Summary
Account Status COLLECTION Available Credit
Account History
Balance
2022
2023 $418 $418 $418 $418 $418 $418 $418 $418 $418 $418 $418 $418
2024 $418 $418 $418 $418 $418 $418 $418 $418 $418
Scheduled Payment
2022
2023
2024
Actual Payment
2022
2023
2024
Credit Limit
2022
2023

2024
Amount Past Due
2022
2023 $418 $418 $418 $418 $418 $418 $418 $418 $418 $418 $418 $418
2024 $418 $418 $418 $418 $418 $418 $418 $418 $418
Payment History
2024 C C C C C C C C C
2023 C C C C C C C C C C C
2022 C
2021
2020
Account Details
Credit Limit Account Type OTHER
Balance $418 Date Opened Aug 14, 2020
Amount Past Due $418 Date Reported Oct 01, 2024
Months Reviewed 48 Delinquency First Reported Oct 2020

Activity Designator Creditor Classification FINANCIAL
Loan Type Debt Buyer Account Date Closed
Date of First Delinquency Mar 22, 2019
Comments Contact
Collection account NATIONAL CREDIT ADJUSTERS

327 W 4th Ave
Hutchinson, KS 67501-4842
(800) 542-1048

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.

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 TERESA C DILLARD
Formerly known as
Social Security Number xxxxx 4173
Age or Date of Birth Apr 24, 1967
Other Identification
You currently do not have any Other Identifications in your file.
Alert Contact Information
You currently do not have any Alert Contacts in your file.
Contact Information
Contact information is the information in your credit file that indicates your former and current addresses as reported to Equifax. It does
not affect your credit score or rating.
Address Status Date Reported
PO BOX 603 Current Oct 01, 2024

MOSCOW, PA 18444
100 SPRING HILL RD Former Sep 23, 2024

MOSCOW, PA 18444
8 SALEM AVE Former Oct 03, 2024

CARBONDALE, PA 18407
221 BRIDGE ST Former Jun 06, 2023

JESSUP, PA 18434
2010 W BROAD AVE Former Oct 08, 2024

ALBANY, GA 31707
PO BOX 489 Former Oct 01, 2024

TIFTON, GA 31793

1584 US HIGHWAY 82 E Former Oct 10, 2024
TIFTON, GA 31794
414 PRINCE AVE APT 5 Former Dec 07, 2023

TIFTON, GA 31794
1815 MOORE HWY Former Oct 31, 2018

TIFTON, GA 31794
PO BOX 834 Former Oct 31, 2018

PELHAM, GA 31779
Employment History
Employment history is the information in your credit file that indicates your current and former employment as reported to Equifax. It
does not affect your credit score or rating.
Company Occupation
CHICKASHA OF GA SECRETARY
OTHER
CICKASAW WORKER

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
Sep 20, 2024 CAPITAL ONE BANK USA NA
15000 Capital One Dr

Richmond, VA 23238-1119
Jun 05, 2024 CAPITAL ONE BANK USA NA

Apr 12, 2024 CAPITAL ONE BANK USA NA

Dec 08, 2023 MARINER FINANCE
737 SCRANTON CARBONDALE HWY

DICKSON CITY, PA 18508
(844) 338-2080
Nov 06, 2023 CAPITAL ONE BANK USA NA

Sep 11, 2023 LENDMARK FINANCIAL SERVICES
2118 USHER ST NW
COVINGTON, GA 30014
(866) 413-8340
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
Sep 20, 2024 CAPITAL ONE US CARD Prequalification for Credit Card
Aug 27, 2024 CAPITAL ONE NATIONAL ASSOC Account Review Inquiry
Jul 26, 2024 CAPITAL ONE NATIONAL ASSOC Account Review Inquiry
Jun 05, 2024 CAPITAL ONE US CARD Prequalification for Credit Card
Apr 12, 2024 CAPITAL ONE US CARD Prequalification for Credit Card
Mar 05, 2024 CAPITAL ONE AUTO FINANCE Promotional Inquiry
Feb 18, 2024 LIBERTY MUTUAL INSURANCE Promotional Inquiry
Jan 23, 2024 PROGRESSIVE INSURANCE Promotional Inquiry
Dec 19, 2023 PROGRESSIVE INSURANCE Promotional Inquiry
Dec 07, 2023 MARINER FINANCE Direct to Consumer Report
Nov 28, 2023 CAPITAL ONE AUTO FINANCE Promotional Inquiry
Nov 06, 2023 CAPITAL ONE US CARD Prequalification for Credit Card
Sep 10, 2023 CAPITAL ONE AUTO FINANCE Credit Report

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.

10. Collections
Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your
credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit
score.
Date Reported: Oct 10, 2024
Collection Agency MERCHANTS & MEDICAL Balance Date Oct 10, 2024
ADJUST
Original Creditor Name TIFT CO EMS Account Designator Code INDIVIDUAL_ACCOUNT
Date Assigned Feb 18, 2022 Account Number xxxxx 26
Original Amount Owed $656 Creditor Classification Medical or Health Care
Amount $656 Last Payment Date
Status Date Oct 10, 2024 Date of First Delinquency
Status UNPAID
Comments Contact
Medical MERCHANTS & MEDICAL ADJUST

321 Main St S
Tifton, GA 31794-4897
(229) 382-5801

Collection Agency MERCHANTS & MEDICAL Balance Date Oct 10, 2024
ADJUST
Original Creditor Name TIFT CO EMS Account Designator Code INDIVIDUAL_ACCOUNT
Date Assigned Apr 08, 2020 Account Number xxxxx 55
Original Amount Owed $659 Creditor Classification Medical or Health Care
Status UNPAID
Comments Contact
Medical MERCHANTS & MEDICAL ADJUST

321 Main St S
Tifton, GA 31794-4897
(229) 382-5801

Collection Agency NATIONAL CREDIT SYSTEMS Balance Date Oct 06, 2024
INC
Original Creditor Name WESTWOOD APTS Account Designator Code INDIVIDUAL_ACCOUNT
Date Assigned Sep 23, 2020 Account Number xxxxx 10
Original Amount Owed $1,131 Creditor Classification Rental or Leasing
Amount $1,131 Last Payment Date
Status UNPAID
Comments Contact
NATIONAL CREDIT SYSTEMS INC

3750 NATURALLY FRESH BLVD
Atlanta, GA 30349-2964
(678) 244-2841

Date Reported: Sep 27, 2024
Collection Agency ABILITY RECOVERY SERVICES, Balance Date Sep 27, 2024
LLC
Original Creditor Name THE WRIGHT CENTER MEDICAL Account Designator Code INDIVIDUAL_ACCOUNT
GROU
Date Assigned Nov 21, 2022 Account Number xxxxxxx 08N1
Original Amount Owed $1,144 Creditor Classification Medical or Health Care
Amount $1,144 Last Payment Date
Status Date Sep 27, 2024 Date of First Delinquency
Status UNPAID
Comments Contact
Medical ABILITY RECOVERY SERVICES, LLC

PO BOX 4031
WYOMING, PA 18644-0031
(570) 207-1892

Collection Agency UNION CREDIT CORPORATION Balance Date Oct 01, 2024
Original Creditor Name ALBANY UTILITIES Account Designator Code INDIVIDUAL_ACCOUNT
Date Assigned Feb 17, 2021 Account Number xxxxx 74
Original Amount Owed $187 Creditor Classification Utilities
Status UNPAID
Comments Contact
UNION CREDIT CORPORATION

414 A N WESTOVER BLVD PO BOX 71666
ALBANY, GA 31708-1666
(229) 435-1381

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.equifax.com/personal/credit-report-services/credit-dispute/
To check the status or view the results of your dispute please visit https://www.equifax.com/personal/credit-report-services/credit-
dispute/

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).

• 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):

TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of a.Consumer Financial Protection Bureau
over $10 billion and their affiliates 1700 G Street, N.W.
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit b.Federal Trade Commission
unions also should list, in addition to the CFPB: Consumer Response Center
600 Pennsylvania Avenue, NW
(877) 382-4357
2.To the extent not included in item 1 above: a.Office of the Comptroller of the Currency
a.National banks, federal savings associations, and federal branches Customer Assistance Group
and federal agencies of foreign banks P.O. Box 53570
Houston, TX 77052
b.State member banks, branches and agencies of foreign banks (other b.Federal Reserve Consumer Help Center
than federal branches, federal agencies, and Insured State Branches P.O. Box 1200
of Foreign Banks), commercial lending companies owned or controlled Minneapolis, MN 55480
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 c.Division of Depositor and Consumer Protection
Banks, and insured state savings associations National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106
d.Federal Credit Unions d.National Credit Union Administration

Office of Consumer Financial Protection (OCFP)
1775 Duke Street
Alexandria, VA 22314
3.Air carriers Asst. General Counsel for Office of Aviation Consumer Protection
Department of Transportation
1200 New Jersey Avenue, SE
4.Creditors Subject to the Surface Transportation Board Office of Public Assistance, Governmental Affairs, and Compliance
Surface Transportation Board
395 E Street, SW
5.Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Division Regional Office
6.Small Business Investment Companies Associate Administrator, Office of Capital Access

United States Small Business Administration
409 Third Street, SW, Suite 8200
7.Brokers and Dealers Securities and Exchange Commission

100 F Street, NE
8.Institutions that are members of the Farm Credit System Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090

9.Retailers, Finance Companies, and All Other Creditors Not Listed Federal Trade Commission
Above Consumer Response Center
600 Pennsylvania Avenue, NW
(877) 382-4357

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CREDIT REPORT

TERESA DILLARD | Oct 11, 2024 Page 2 of 49

Report Date Oct 11, 2024

Credit File Status No fraud indicator on file

Alert Contacts 0 Records Found

Average Account Age 2 Years, 7 Months

Length of Credit History 5 Years, 9 Months

Accounts with Negative Information 4

Oldest Account FIRST PREMIER (Opened Jan 03, 2019)

Most Recent Account TBOM MIL (Opened Jun 05, 2024)

Revolving 3 3 $1,459 $41 $1,500 97.0% $101

Total 3 3 $1,459 $41 $1,500 97.0% $101

Consumer Statements 0 Statements Found

Personal Information 14 Items Found

Inquiries 19 Inquiries Found

Public Records 0 Records Found

Collections 5 Collections Found

TERESA DILLARD | Oct 11, 2024 Page 3 of 49

2.1 CAPITAL ONE BANK USA NA

Account Number xxxxxxxxxxxx 1534 Reported Balance $247

Account Status PAYS_AS_AGREED Available Credit $53

TERESA DILLARD | Oct 11, 2024 Page 4 of 49

Amount Past Due

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

High Credit $317 Payment Responsibility INDIVIDUAL

Credit Limit $300 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration

Balance $247 Date Opened Nov 28, 2023

Amount Past Due Date Reported Sep 21, 2024

Actual Payment Amount Date of Last Payment Sep 2024

Date of Last Activity Sep 2024 Scheduled Payment Amount $25

Months Reviewed 9 Delinquency First Reported

TERESA DILLARD | Oct 11, 2024 Page 5 of 49

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Credit Card Date Closed

Date of First Delinquency

Credit card CAPITAL ONE BANK USA NA

TERESA DILLARD | Oct 11, 2024 Page 6 of 49

Account Number xxxxxxxxxxxx 1836 Reported Balance $185

Account Status PAYS_AS_AGREED Available Credit $15

2024 $35 $203 $201 $2 $1 $198 $164 $177 $185

2024 $35 $28 $26 $2 $1 $25 $25 $25 $25

2024 $35 $100 $399 $142 $1 $198 $25 $195

TERESA DILLARD | Oct 11, 2024 Page 7 of 49

Amount Past Due

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

High Credit $203 Payment Responsibility INDIVIDUAL

Credit Limit $200 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration

Balance $185 Date Opened Jan 04, 2024

Amount Past Due Date Reported Sep 24, 2024

Actual Payment Amount $195 Date of Last Payment Aug 2024

Date of Last Activity Sep 2024 Scheduled Payment Amount $25

Months Reviewed 8 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

TERESA DILLARD | Oct 11, 2024 Page 8 of 49