Wilfred Credit Report

10/25/2009

Equifax FACT Act

Equifax Credit Report ™ for Wilfredo Fernandez
As of: 10/25/2009. Available until: 11/24/2009 Confirmation #: 9798684627 Report Does Not Update Print Report

Important. Please print this report as it will only be available for you to view during this session with Equifax. If you would like to view this credit report online free for 30 days, click here.
Section Title 1. Credit Summary 2. Account Information 3. Inquiries Section Description Summary of account activity Detailed account information Companies that have requested or view ed your credit information Bankruptcies, liens, garnishments and other judgments Personal data, addresses, employment history How to dispute information found on this credit report Summary of Your Rights Under the FCRA

4. Negative Information 5. Personal Information 6. Dispute File Information 7. Summary of Your Rights Under the FCRA 8. Remedying the Effects of Identity Theft 9. Your Rights Under State Law

Remedying the Effects of Identity Theft Your Rights Under State Law

Credit Summary
Your Equifax Credit Summary highlights the information in your credit file that is most important in determining your credit standing by distilling key credit information into one easy-to-read summary.

Accounts
Lenders usually take a positive view of individuals with a range of credit accounts - car loan, credit cards, mortgage, etc. - that have a record of timely payments. However, a high debt to credit ratio on certain types of revolving (credit card) accounts and installment loans will typically have a negative impact.
Debt to Credit Ratio N/A N/A 97% N/A 97% Monthly Paym ent Am ount $0 $0 $15 $0 $15 Accounts w ith a Balance 0 0 1 0 1

Open Accounts Mortgage Installment Revolving Other Total

Total Num ber 0 0 1 0 1

Balance $0 $0 $483 $0 $483

Available N/A N/A $17 N/A NaN

Credit Lim it N/A N/A $500 N/A $500

Debt by Account Type

Debt to Credit Ratio by Account Type

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Account Age
Usually, it is a good idea to keep your oldest credit account open, as a high average account age generally demonstrates stability to lenders. Also, especially if you have been managing credit for a short time, opening many new accounts will lower your average account age and may have a negative impact.
Length of Credit History Average Account Age Oldest Account Most Recent Account 0 NaNYear AFNI, INC. (Opened N/A) CAPITAL ONE BANK USA (Opened 11/2008)

Inquiries - Requests for your Credit History
Numerous inquires on your credit file for new credit may cause you to appear risky to lenders, so it is usually better to only seek new credit when you need it. Typically, lenders distinguish between inquiries for a single loan and many new loans in part by the length of time over which the inquiries occur. So, when rate shopping for a loan it's a good idea to do it within a focused period of time.
Inquiries in the Last 2 Years Most Recent Inquiry 2 CAPITAL ONE BANK USA NA (11/23/08)

Potentially Negative Information
Late payments, collections and public records can have a negative impact on your credit standing. The more severe and recent they are, the more negative the potential impact might be.
Public Records Negative Accounts Collections 0 11 1

Mortgage Accounts
Mortgage accounts include first mortgages, home equity loans, and any other loans secured by real estate you own. You have no mortgage accounts on file Back to Top

Installment Accounts
Installment accounts are credit accounts in which the amount of the payment and the number of payments are predetermined or fixed, such as a car loan.

Closed Accounts
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Account Nam e

Accounts
Account Num ber Date Opened 02/2003 Balance $0

Equifax FACT Act
Date Reported 09/2008 Past Due $0 Account Status 120+ DAYS PAST DUE Credit Lim it $0

AMERICREDIT 42114XXXX

AMERICREDIT

200 Bailey Ave Fort Worth, TX-761071210
Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History Year 2008 2007 2006 2005 2004 2003 Jan CO CO CO CO * Feb CO CO CO * * * Mar CO CO CO * * * Apr CO CO CO * * * May CO CO CO * * * Jun CO CO CO * * * Jul CO CO CO * 30 * Aug CO CO CO * 30 * CO CO * * 30 CO CO CO * * CO CO CO 30 * CO CO CO * * Sep Oct Nov Dec 01/2005 $0 $0 : 42114XXXX Individual Account. Installment 61 Months 02/2003 09/2008 05/2005 $0 Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Auto 120+ DAYS PAST DUE $14,370 $0 Monthly (due every month) $0 $0 $0 N/A 37 Transfer/Sold

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Revolving Accounts
Revolving accounts are charge accounts that have a credit limit and require a minimum payment each month, such as most credit cards.

Open Accounts
Account Nam e CAPITAL ONE BANK USA Account Num ber Date Opened Balance $483 Date Past Reported Due 10/2009 $0 Account Status PAYS AS AGREED Credit Lim it $500

517805729509XXXX 11/2008

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CAPITAL ONE

Equifax FACT Act

PO Box 30281 Salt Lake City, UT-841300281

Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History Year 2009 2008 Jan * Feb * Mar * :

517805729509XXXX Authorized User Revolving

Current Status: High Credit: Credit Limit: Terms Frequency:

PAYS AS AGREED $505 $500 Monthly (due every month) $483 $0 $30 10/2009 10 N/A

11/2008 10/2009 09/2009 $15

Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description:

$0 $0 N/A

Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Credit Card

Apr *

May *

Jun *

Jul *

Aug *

Sep *

Oct

Nov *

Dec *

Closed Accounts
Account Nam e CAPITAL ONE BANK USA CAPITAL ONE Account Num ber Date Opened Balance $2,833 Date Past Reported Due 10/2009 Account Status Credit Lim it $500

517805217791XXXX 04/2002

$2,833 CHARGEOFF

PO Box 30281 Salt Lake City, UT-841300281
Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: 04/2002 10/2009 09/2003 : 517805217791XXXX Individual Account. Revolving Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: CHARGE-OFF $0 $500 Monthly (due every month) $2,833 $2,833 $0

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Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 09/2003 $1,098 $0 $0 01/2005

Equifax FACT Act
Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Charged off account, Account closed by credit grantor Credit Card N/A 50 Closed

81-Month Payment History Year 2009 2008 2007 2006 2005 2004 2003 Jan CO CO CO * * 60 * Feb CO CO CO CO * 90 * Mar CO CO CO CO * 120 * Apr CO CO CO CO * 120 * May CO CO CO CO * 120 * Jun CO CO * CO * * * Jul CO CO CO CO * * * Aug CO CO CO CO * * * Sep CO CO CO CO * * 30 CO CO CO CO * * CO CO CO CO * * CO * CO CO * 30 Oct Nov Dec

CAPITAL ONE BANK USA CAPITAL ONE

438864191009XXXX 04/2001

$0

05/2009

$0

CHARGEOFF

$200

PO Box 30281 Salt Lake City, UT-841300281
Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 09/2003 Charged off account $666 $0 04/2001 05/2009 09/2003 $0 01/2005 : 438864191009XXXX Individual Account. Revolving Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Credit Card CHARGE-OFF $0 $200 Monthly (due every month) $0 $0 $0 N/A 45 Transfer/Sold

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2009 2008 2007 2006 2005 2004 2003 2002 CO CO CO * * * * CO CO CO CO * 30 * CO CO CO CO * 60 * CO CO CO CO * 90 * CO CO CO * 120 * CO * CO * 120 *

Equifax FACT Act
CO CO CO * 120 * CO CO CO * * * * CO CO CO * * 30 * CO CO CO CO * * * CO CO CO CO * * * CO * CO CO * * *

CHASE BANK USA, NA

447947050076XXXX 02/2001

$0

04/2004

$0

CHARGEOFF

$200

CHASE BANK USA NA

800 Brooksedge Blvd Westerville, OH-430812822 (800) 955-9900
Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History Year 2004 2003 2002 2001 Jan 120 * * Feb 120 * * * Mar 120 30 * * * * * * * * 30 * * 60 * * 90 * * 120 * * 120 * * 120 * * 120 * * Apr May Jun Jul Aug Sep Oct Nov Dec 03/2003 Charged off account $0 $0 02/2001 04/2004 04/2004 $15 12/2003 : 447947050076XXXX Individual Account. Revolving Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Secured Credit Card $0 $0 $0 N/A N/A Transfer/Sold CHARGE-OFF $464 $200

HSBC BANK

548897500427XXXX 06/2002

$0

05/2005

$0

CHARGEOFF

$0

HOUSEHOLD CREDIT SERVICES

PO Box 98706 Las Vegas, NV-891938706 (800) 477-6000

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Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History No 81-Month Payment Data available for display. $930 $0 03/2004 11/2003 Charged off account 06/2002 05/2005 10/2003 $100 : 548897500427XXXX Individual Account. Revolving

Equifax FACT Act
Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Credit Card CHARGE-OFF $0 $0 Monthly (due every month) $0 $0 $0 N/A N/A Transfer/Sold

SEVENTH AVENUE 862951255XXXX

08/2002

$329

04/2009

$100

CHARGEOFF

$0

7TH AVENUE

1112 7th Ave Monroe, WI-535661364
Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History 12/2002 Charged off account $329 $0 08/2002 04/2009 12/2002 $25 : 862951255XXXX Individual Account. Revolving Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Charge Account CHARGE-OFF $0 $0 Monthly (due every month) $329 $100 $0 N/A 45 N/A

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Year 2009 2008 2007 2006 2005 2004 2003 2002 Jan CO CO CO CO * * * Feb CO CO CO CO * * * Mar CO CO CO CO * * * CO CO CO * * * CO CO CO * * * CO CO * * * * Apr May

Equifax FACT Act
Jun Jul CO CO * * * * Aug CO CO CO * * * * Sep CO CO CO * * * * Oct CO CO CO CO * * * Nov CO CO CO CO * * * Dec CO CO CO CO * * *

SPIEGEL/CM

577091081988XXXX 08/2001

$0

01/2008

$0

CHARGEOFF

$444

CARDHOLDER MANAGEMENT SERV

101 Crossways Park Dr / Spiegel Woodbury, NY-117972016
Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History Year 2007 2006 2005 2004 2003 2002 2001 Jan * * * * * * Feb * * * * * * Mar * * * * 30 * Apr * * * * 60 * May * * * * 90 * Jun * * * * 120 * Jul * * * * * * Aug * * * * * * * Sep * * * * * * * Oct * * CO * * * * Nov * * CO * * * * Dec * * CO * * * * 02/2003 Charged off account $0 $0 08/2001 01/2008 12/2002 $0 01/2004 : 577091081988XXXX Individual Account. Revolving Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Credit Card CHARGE-OFF $443 $444 Monthly (due every month) $0 $0 $0 N/A 48 Transfer/Sold

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Other Accounts
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These are all accounts that do not fall into the other categories and can include 30-day accounts such as American Express.

Closed Accounts
Account Nam e AFNI, INC. Account Num ber 202619XXXX Date Opened N/A Balance $209 Date Past Reported Due 04/2008 $209 Account Status Credit Lim it $0

ANDERSON FIN NETWORK/BLOOM

404 Brock Dr PO Box 3097 Bloomington, IL-617023097

Account Number: Account Ow ner: Type of Account : Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed:

202619XXXX Individual Account. Open N/A 04/2008 $0 04/2008 Utilities $0 $0

Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Factoring Company Account (debt buyer) $209 $209 $0 N/A N/A N/A $209 $0

Date of First Delinquency: Comments: 81-Month Payment History

01/2004 Collection account

No 81-Month Payment Data available for display.

LVNV FUNDING LLC

447947050076XXXX 04/2004

$1,314

10/2009

$1,314

$0

LVNV FUNDING LLC

PO Box 10584 Greenville, SC-296030584 (866) 464-1183
Account Number: Account Ow ner: Type of Account : Term Duration: Date Opened: Date Reported: 04/2004 10/2009 447947050076XXXX Individual Account. Open Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: $1,314 $1,314 $615 $0

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Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Financial $0 $0 $0

Equifax FACT Act
Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Factoring Company Account (debt buyer) $0 N/A 30 N/A

Date of First Delinquency: Comments: 81-Month Payment History

05/2003 Collection account

No 81-Month Payment Data available for display.

MIDLAND CREDIT MANAG

852569XXXX

12/2007

$444

07/2009

$444

$0

MIDLAND CREDIT MANAGEMENT

8875 Aero Dr Ste 200 San Diego, CA-921232255
Account Number: Account Ow ner: Type of Account : Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: $0 $0 $0 11/2008 12/2007 07/2009 852569XXXX Individual Account. Open Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Factoring Company Account (debt buyer) $444 $444 $0 N/A 8 N/A $444 $0

Date of First Delinquency: Comments: 81-Month Payment History

02/2003 Collection account

No 81-Month Payment Data available for display.

PORTFOLIO RECOVERY A

AMERICRED42114XXXX

08/2008

$5,822

09/2009

$5,822

$0

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PORTFOLIO RECOVERY ASSOC

Equifax FACT Act

Riverside Commerce Center 120 Corporate Blvd Ste 100 Norfolk, VA-235024962
Account Number: Account Ow ner: Type of Account : Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: $0 $0 $0 10/2008 08/2008 09/2009 AMERICRED-42114XXXX Individual Account. Open Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Factoring Company Account (debt buyer) $5,822 $5,822 $377 N/A 11 N/A $5,433 $0

Date of First Delinquency: Comments: 81-Month Payment History

01/2005 Collection account

No 81-Month Payment Data available for display.

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Payment History Key
Meaning Pays or Paid as Agreed: * 30-59 Days Past Due: 30 60-89 Days Past Due: 60 90-119 Days Past Due: 90 120-149 Days Past Due: 120 150-179 Days Past Due: 150 Symbol Meaning 180+ Days Past Due: 180 Collection Account: CA Foreclosure: F Voluntary Surrender: VS Repossession: R Charge Off: CO Symbol

Inquiries
A request for your credit history is called an inquiry.Inquiries remain on your credit report for two years. There are two types of inquires those that may impact your credit rating and those that do not. Inquiries that may impact your credit rating These inquires are made by companies with whom you have applied for a loan or credit.
Nam e of Com pany Date of Inquiry

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AT&T SERVICES, INC NEW ACCOUNT 10/26/07

Equifax FACT Act

Creditor Contact Inform ation

AT&T SERVICES, INC NEW ACCOUNT 1025 LENOX PARK BLVD 9B43 ATLANTA, GA 30319

CAPITAL ONE BANK USA NA

11/23/08

Creditor Contact Inform ation

CAPITAL ONE BANK USA NA PO Box 30281 Salt Lake City, UT 841300281

Inquiries that do not impact your credit rating These inquires include requests from employers, companies making promotional offers and your own requests to check your credit. These inquiries are only viewable by you.
Com pany Inform ation PRM-AMERICAN INTERNATIONAL ADVERT. ND-BRISTOL WEST INSURANCE COMPANY AR-CAPITAL ONE PRM-CAPITAL ONE - RTPM EQUIFAX PRM-FINGERHUT/CIT PRM-FIRST PREMIER BANK PROMO Prefix PRM Date of Inquiry 03/31/09

05/06/08

06/02/09 12/12/08 10/25/09 09/09/09 06/15/09

Prefix Description Inquiries w ith this prefix indicate that only your name and address w ere given to a credit grantor so they can provide you a firm offer of credit or insurance.(PRM inquiries remain for tw elve months.) Inquiries w ith these prefixes indicate a periodic review of your credit history by one of your creditors.(AM and AR inquiries remain for tw elve months.) Inquiries w ith this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months) Inquiries w ith this prefix indicate that a creditor review ed your account as part of a portfolio they are purchasing.(PR inquiries remain for 12 months.) Inquiries w ith these prefixes indicate Equifax’s activity in response to your contact w ith us for a copy of your credit file or a research request. Inquiries w ith this prefix are general inquiries that do not display to credit grantors.(ND inquiries remain for 24 months.) Inquiries w ith this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company in

AM or AR

EMPL

PR

Equifax or EFX

ND

ND MR

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connection w ith a mortgage loan.(ND inquiries remain for 24 months.)

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Negative Accounts
Accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for 7 years from the date the account first became past due leading to the current not paid status. Late Payment History generally remains on your credit file for 7 years from the date of the late payment.

Closed Accounts
Account Nam e AFNI, INC. Account Num ber 202619XXXX Date Opened N/A Balance $209 Date Past Reported Due 04/2008 $209 Account Status Credit Lim it $0

ANDERSON FIN NETWORK/BLOOM

404 Brock Dr PO Box 3097 Bloomington, IL-617023097
Account Number: Account Ow ner: Type of Account : Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: $0 04/2008 Utilities $0 $0 N/A 04/2008 202619XXXX Individual Account. Open Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Factoring Company Account (debt buyer) $209 $209 $0 N/A N/A N/A $209 $0

Date of First Delinquency: Comments: 81-Month Payment History

01/2004 Collection account

No 81-Month Payment Data available for display.

AMERICREDIT

42114XXXX

02/2003

$0

09/2008

$0

120+ DAYS PAST DUE

$0

AMERICREDIT

200 Bailey Ave Fort Worth, TX-761071210

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Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History Year 2008 2007 2006 2005 2004 2003 Jan CO CO CO CO * Feb CO CO CO * * * Mar CO CO CO * * * Apr CO CO CO * * * May CO CO CO * * * 01/2005 $0 $0 : 42114XXXX Individual Account. Installment 61 Months 02/2003 09/2008 05/2005 $0

Equifax FACT Act
Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Auto 120+ DAYS PAST DUE $14,370 $0 Monthly (due every month) $0 $0 $0 N/A 37 Transfer/Sold

Jun CO CO CO * * *

Jul CO CO CO * 30 *

Aug CO CO CO * 30 *

Sep CO CO * * 30

Oct CO CO CO * *

Nov CO CO CO 30 *

Dec CO CO CO * *

CAPITAL ONE BANK USA CAPITAL ONE

517805217791XXXX 04/2002

$2,833

10/2009

$2,833 CHARGEOFF

$500

PO Box 30281 Salt Lake City, UT-841300281
Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: $1,098 $0 04/2002 10/2009 09/2003 $0 01/2005 : 517805217791XXXX Individual Account. Revolving Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: CHARGE-OFF $0 $500 Monthly (due every month) $2,833 $2,833 $0 N/A 50 Closed

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Date Closed: Date of First Delinquency: Comments: 09/2003

Equifax FACT Act
Type of Loan: Charged off account, Account closed by credit grantor Credit Card

81-Month Payment History Year 2009 2008 2007 2006 2005 2004 2003 Jan CO CO CO * * 60 * Feb CO CO CO CO * 90 * Mar CO CO CO CO * 120 * Apr CO CO CO CO * 120 * May CO CO CO CO * 120 * Jun CO CO * CO * * * Jul CO CO CO CO * * * Aug CO CO CO CO * * * Sep CO CO CO CO * * 30 CO CO CO CO * * CO CO CO CO * * CO * CO CO * 30 Oct Nov Dec

CAPITAL ONE BANK USA CAPITAL ONE

438864191009XXXX 04/2001

$0

05/2009

$0

CHARGEOFF

$200

PO Box 30281 Salt Lake City, UT-841300281

Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History Year 2009 2008 2007 2006 2005 2004 Jan CO CO CO * * * Feb CO CO CO CO * 30 Mar CO CO CO CO * 60 :

438864191009XXXX Individual Account. Revolving

Current Status: High Credit: Credit Limit: Terms Frequency:

CHARGE-OFF $0 $200 Monthly (due every month) $0 $0 $0 N/A 45 Transfer/Sold

04/2001 05/2009 09/2003 $0 01/2005

Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description:

$666 $0 09/2003 Charged off account

Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Credit Card

Apr CO CO CO CO * 90

May CO CO CO * 120

Jun CO * CO * 120

Jul CO CO CO * 120

Aug CO CO CO * *

Sep CO CO CO * *

Oct CO CO CO CO *

Nov CO CO CO CO *

Dec CO * CO CO *

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2003 2002 * * * * * *

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* * * 30 * * * * * * *

CHASE BANK USA, NA

447947050076XXXX 02/2001

$0

04/2004

$0

CHARGEOFF

$200

CHASE BANK USA NA

800 Brooksedge Blvd Westerville, OH-430812822 (800) 955-9900
Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History Year 2004 2003 2002 2001 Jan 120 * * Feb 120 * * * Mar 120 30 * * * * * * * * 30 * * 60 * * 90 * * 120 * * 120 * * 120 * * 120 * * Apr May Jun Jul Aug Sep Oct Nov Dec 03/2003 Charged off account $0 $0 02/2001 04/2004 04/2004 $15 12/2003 : 447947050076XXXX Individual Account. Revolving Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Secured Credit Card $0 $0 $0 N/A N/A Transfer/Sold CHARGE-OFF $464 $200

HSBC BANK

548897500427XXXX 06/2002

$0

05/2005

$0

CHARGEOFF

$0

HOUSEHOLD CREDIT SERVICES

PO Box 98706 Las Vegas, NV-891938706 (800) 477-6000
Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: 06/2002 : 548897500427XXXX Individual Account. Revolving Current Status: High Credit: Credit Limit: Terms Frequency: Balance: CHARGE-OFF $0 $0 Monthly (due every month) $0

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Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History No 81-Month Payment Data available for display. $930 $0 03/2004 11/2003 Charged off account 05/2005 10/2003 $100

Equifax FACT Act
Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Credit Card $0 $0 N/A N/A Transfer/Sold

LVNV FUNDING LLC

447947050076XXXX 04/2004

$1,314

10/2009

$1,314

$0

LVNV FUNDING LLC

PO Box 10584 Greenville, SC-296030584 (866) 464-1183
Account Number: Account Ow ner: Type of Account : Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Financial $0 $0 $0 04/2004 10/2009 447947050076XXXX Individual Account. Open Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Factoring Company Account (debt buyer) $1,314 $1,314 $0 N/A 30 N/A $615 $0

Date of First Delinquency: Comments: 81-Month Payment History

05/2003 Collection account

No 81-Month Payment Data available for display.

MIDLAND CREDIT MANAG

852569XXXX

12/2007

$444

07/2009

$444

$0

MIDLAND CREDIT MANAGEMENT

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10/25/2009 8875 Aero Dr Ste 200 San Diego, CA-921232255
Account Number: Account Ow ner: Type of Account : Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: $0 $0 $0 11/2008 12/2007 07/2009 852569XXXX Individual Account. Open

Equifax FACT Act

Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Factoring Company Account (debt buyer) $444 $444 $0 N/A 8 N/A $444 $0

Date of First Delinquency: Comments: 81-Month Payment History

02/2003 Collection account

No 81-Month Payment Data available for display.

PORTFOLIO RECOVERY A

AMERICRED42114XXXX

08/2008

$5,822

09/2009

$5,822

$0

PORTFOLIO RECOVERY ASSOC

Riverside Commerce Center 120 Corporate Blvd Ste 100 Norfolk, VA-235024962
Account Number: Account Ow ner: Type of Account : Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: $0 $0 $0 10/2008 08/2008 09/2009 AMERICRED-42114XXXX Individual Account. Open Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Factoring Company Account (debt $5,822 $5,822 $377 N/A 11 N/A $5,433 $0

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10/25/2009
Date of First Delinquency: Comments: 81-Month Payment History No 81-Month Payment Data available for display. 01/2005 Collection account

Equifax FACT Act
buyer)

SEVENTH AVENUE 7TH AVENUE

862951255XXXX

08/2002

$329

04/2009

$100

CHARGEOFF

$0

1112 7th Ave Monroe, WI-535661364

Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History Year 2009 2008 2007 2006 2005 2004 2003 2002 Jan CO CO CO CO * * * Feb CO CO CO CO * * * Mar CO CO CO CO * * * :

862951255XXXX Individual Account. Revolving

Current Status: High Credit: Credit Limit: Terms Frequency:

CHARGE-OFF $0 $0 Monthly (due every month) $329 $100 $0 N/A 45 N/A

08/2002 04/2009 12/2002 $25

Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description:

$329 $0

Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Charge Account

12/2002 Charged off account

Apr CO CO CO * * *

May CO CO CO * * *

Jun CO CO * * * *

Jul CO CO * * * *

Aug CO CO CO * * * *

Sep CO CO CO * * * *

Oct CO CO CO CO * * *

Nov CO CO CO CO * * *

Dec CO CO CO CO * * *

SPIEGEL/CM

577091081988XXXX 08/2001

$0

01/2008

$0

CHARGEOFF

$444

CARDHOLDER MANAGEMENT SERV

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10/25/2009 101 Crossways Park Dr / Spiegel Woodbury, NY-117972016
Account Number: Account Ow ner: Type of Account Term Duration: Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81-Month Payment History Year 2007 2006 2005 2004 2003 2002 2001 Jan * * * * * * Feb * * * * * * Mar * * * * 30 * Apr * * * * 60 * May * * * * 90 * 02/2003 Charged off account $0 $0 08/2001 01/2008 12/2002 $0 01/2004 : 577091081988XXXX Individual Account. Revolving

Equifax FACT Act

Current Status: High Credit: Credit Limit: Terms Frequency: Balance: Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Review ed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan:

CHARGE-OFF $443 $444 Monthly (due every month) $0 $0 $0 N/A 48 Transfer/Sold

Credit Card

Jun * * * * 120 *

Jul * * * * * *

Aug * * * * * * *

Sep * * * * * * *

Oct * * CO * * * *

Nov * * CO * * * *

Dec * * CO * * * *

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Collections
A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed.
FIRST FEDERAL CREDIT CONTROL Agency Address: INC. 24700 CHAGRIN BLVD #205 BEACHWOOD, OH 44122 (216) 360-2000 10/2009 04/2008 Medical/Health Care SWARTZ MD 861XXXX

Date Reported: Date Assigned: Creditor Classification: Creditor Name: Accounts Number:

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10/25/2009
Account Ow ner: Original Amount Ow ned: Date of 1 st Delinquency: Balance Date: Balance Ow ned: Last Payment Date : Status Date: Status: Comments: CREDIT PROTECTION Agency Address: Individual Account. $155 02/2007 10/2009 $155 N/A 10/2009 D - Unpaid Medical

Equifax FACT Act

PO Box 802068 Dallas, TX 753802068

Date Reported: Date Assigned: Creditor Classification: Creditor Name: Accounts Number: Account Ow ner: Original Amount Ow ned: Date of 1 st Delinquency: Balance Date: Balance Ow ned: Last Payment Date : Status Date: Status: Comments:

08/2008 06/2008

COMCAST 147465XXXX Individual Account. $66 04/2008 08/2008 $66 N/A 08/2008 D - Unpaid N/A

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Public Records
Public record information includes bankruptcies, liens or judgments and comes from federal, state or county court records. Public record information includes bankruptcies, liens or judgments and comes from federal, state or county court records. You have no Public Records on file Back to Top

Personal Information
The following information is added to your file either when creditors enter requests to view your credit history, or when you report it to Equifax directly.

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10/25/2009 Name: Wilfredo Fernandez Social Security Number: 081-54-0803 Age or Date of Birth: December 23, 1964

Equifax FACT Act

Address Information
Current/ Previous Current Street City,State Zip 9280 FONTAINEBLEAU BLVD APT 101 MIAMI,FL 33172 Date Reported

Former Address 1 15400 SW 73RD LN APT 3 MIAMI,FL,33193 Former Address 2 364 NE 25TH PL UNIT 103 HOMESTEAD,FL,33033

Other Identification
You have no other identification on file.

Employment History
Last Reported Employment: CIRCUIT CITY

Alert(s)
You have no Alerts on file.

Consumer Statement
You have no Consumer Statement on file. Back to Top

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 on this report. If you believe that any of the information found on this file is incorrect, you may start a dispute online about any inaccuracies on your Equifax credit file. The credit reporting company is not required to remove accurate data from your file unless it is outdated or cannot be verified. Initiating a dispute online is the easiest and fastest way to dispute credit file information. In addition, by disputing online you are also provided the ability to check online the status and results of your dispute. To initiate a dispute online click on Dispute this Credit File online now To check the status or view the results of your dispute click on View dispute status As a reminder your Confirmation Number is: 9798684627. Please keep your confirmation as it may be needed for future requests that you initiate with Equifax.

Frequently Asked Questions
How can I dispute inaccuracies on my Equifax Credit File?
As stated in the FCRA, you have the right to dispute information that you feel is being reported incorrectly on your Equifax credit file. You are able to initiate an online dispute immediately or you can contact our dispute center at 866-224-9235 (changes monthly). You must have a current copy of your Equifax credit file and your ten-digit confirmation number to complete the dispute process by phone.

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10/25/2009 Equifax FACT Act Additionally, you can dispute inaccuracies by writing to:
Equifax Information Services, LLC P.O. Box 740256 Atlanta, GA 30374

How can I check the status of my dispute?
Click on View dispute status

How do I dispute the personal information within my credit file?
You can dispute your personal information, including your name, address, and social security number online. However: If you dispute or request a change on your name or date of birth, you will need to send us a copy of your Driver's License reflecting this change. If you dispute or request a change on your Current Address, you will need to send us a copy of your Driver's License or a utility bill reflecting this change. If you dispute or request a change on your Social Security Number, you will need to send us a copy of your Social Security card or a W-2 form. Once you have submitted you dispute online, you must provide us with a copy of your document proof. You can fax your document proof to 888-826-0549 (may change), or, you can mail a copy of your documents to: Equifax Information Services, LLC P.O. Box 740256 Atlanta, GA 30348 To initiate your dispute online click on Start a Dispute Online Back to Top

How to order your score by phone
By law, you are entitled to obtain your credit score. There is a fee of $ to obtain your credit score from Equifax Information Services . To request your credit score, please contact: Equifax Information Services LLC P.O. Box 105167 Atlanta, GA 30348 or call 1-877-SCORE-11 If you are in the process of obtaining a mortgage, you may be entitled to free credit score information. Contact the person making or arranging your loan for further information. Back to Top

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

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10/25/2009 Equifax FACT Act 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 1-888-5OPTOUT (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: Consumer reporting agencies, creditors and others not listed below Contact Federal Trade Commission: Consumer Response Center - FCRA Washington, DC 20580 1-877-382-4357 Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050 Federal Reserve Consumer Help PO Box 1200

National banks, federal branches/agencies of foreign banks (w ord "National" or initials "N.A." appear in or after bank's name)

Federal Reserve System member banks (except national banks, and federal branches/agencies of

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national banks, and federal branches/agencies of foreign banks) Savings associations and federally chartered savings banks (w ord "Federal" or initials "F.S.B." appear in federal institution's name) Federal credit unions (w ords "Federal Credit Union" appear in institution's name)

Equifax FACT Act
Minneapolis, MN 55480 888-851-1920 (TTY: 877-766-8533) Office of Thrift Supervision Consumer Complaints Washington, DC 20552 800-842-6929 National Credit Union Administration 1775 Duke Street Alexandria, VA 22314 703-519-4600 Federal Deposit Insurance Corporation Consumer Response Center, 2345 Grand Avenue, Suite 100 Kansas City, Missouri 64108-2638 1-877-275-3342 Department of Transportation ,Office of Financial Management Washington, DC 20590 202-366-1306 Department of Agriculture Office of Deputy Administrator - GIPSA Washington, DC 20250 202-720-7051

State-chartered banks that are not members of the Federal Reserve System

Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Activities subject to the Packers and Stockyards Act, 1921

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Remedying the Effects of Identity Theft
Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit www.consumer.gov/idtheft or write to: FTC, Consumer Response Center, Room 130-B, 600 Pennsylvania Avenue, N.W. Washington, D.C., 20580. The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft. 1. You have the right to ask that nationwide consumer reporting agencies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file. Equifax: 1-800-525-6285; www.equifax.com Experian: 1-888-397-3742; www.experian.com TransUnion: 1-800-680-7289; www.transunion.com An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for seven years. To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your identity, which may include your Social Security number. If you ask for an extended alert, you will have to provide an identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local law enforcement agency, and additional information a consumer reporting agency may require you to submit. For more detailed information about the identity theft report, visit www.consumer.gov/idtheft. 2. You have the right to free copies of the information in your file (your "file disclosure"). An initial fraud alert entitles you to a copy of all the information in your file at each of the three nationwide agencies, and an extended alert entitles you to two free file disclosures in a 12-month period following the placing of the alert. These additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address. Once a year, you also have the right to a free copy of the information in your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity theft. You also have the ability to obtain

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10/25/2009 Equifax FACT Act additional free file disclosures under other provisions of the FCRA. See www.ftc.gov/credit. 3. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It also may specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you with these documents. See www.consumer.gov/idtheft. 4. You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with certain information about the debt you believe was incurred in your name by an identity thief - like the name of the creditor and the amount of the debt. 5. If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting agency to block the reporting of this information, you must identify the information to block, and provide the consumer reporting agency with proof of your identity and a copy of your identity theft report. The consumer reporting agency can refuse or cancel your request for a block if, for example, you don't provide the necessary documentation, or where the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection. 6. You also may prevent businesses from reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft. To do so, you must send your request to the address specified by the business that reports the information to the consumer reporting agency. The business will expect you to identify what information you do not want reported and to provide an identity theft report.
To learn more about identity theft and how to deal with its consequences, visit www.consumer.gov/idtheft, or write to the FTC. You may have additional rights under state law. For more information, contact your local consumer protection agency or your state attorney general. In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many other important consumer protections. They are described in more detail at www.ftc.gov/credit. Back to Top

Your Rights Under State Law
Florida Consumers Have the Right to Place a Security Freeze You have a right to place a "security freeze" on your consumer report, which will, except as provided by law, prohibit a consumer reporting agency from releasing any information in your consumer report without your express authorization. A security freeze must be requested in writing by certified mail to a consumer reporting agency. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. YOU SHOULD BE AWARE THAT USING A SECURITY FREEZE TO CONTROL ACCESS TO THE PERSONAL AND FINANCIAL INFORMATION IN YOUR CONSUMER REPORT MAY DELAY, INTERFERE WITH, OR PROHIBIT THE TIMELY APPROVAL OF ANY SUBSEQUENT REQUEST OR APPLICATION YOU MAKE REGARDING A NEW LOAN, CREDIT, MORTGAGE, INSURANCE, GOVERNMENT SERVICES OR PAYMENTS, RENTAL HOUSING, EMPLOYMENT, INVESTMENT, LICENSE, CELLULAR PHONE, UTILITIES, DIGITAL SIGNATURE, INTERNET CREDIT CARD TRANSACTION, OR OTHER SERVICES, INCLUDING AN EXTENSION OF CREDIT AT POINT OF SALE. When you place a security freeze on your consumer report, you will be provided a personal identification number or password to use if you choose to remove the freeze on your consumer report or authorize the release of your consumer report for a designated period of time after the security freeze is in place. To
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provide that authorization, you must contact the consumer reporting agency and provide all of the following: 1. The personal identification number or password. 2. Proper identification to verify your identity. 3. Information specifying the period of time for which the report shall be made available. 4. Payment of a fee authorized by this section. A consumer reporting agency must authorize the release of your consumer report no later than 3 business days after receiving the above information. 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 consumer 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 have the right to bring a civil action against anyone, including a consumer reporting agency, who fails to comply with the provisions of s. 501.005, Florida Statutes, which governs the placing of a consumer report security freeze on your consumer report. A security freeze request must be mailed via certified mail to: Equifax Security Freeze P.O. Box 105788 Atlanta, Georgia 30348 Or, you may contact us on the web at equifax.com or call 800-685-1111. The fee to place a security freeze is $10.00. If you are a victim of identity theft and you submit a copy of a valid investigative or incident report or complaint with a law enforcement agency about the unlawful use of your identifying information by another person, no fee will be charged. If you are sixty-five years of age or older, no fee will be charged. Include your complete name, complete address, social security number, date of birth and payment, if applicable. Written confirmation of the security freeze will be sent within 10 business days of receipt of the request via first class mail. It will include your unique personal identification number and instructions for removing the security freeze or authorizing the release of your credit report for a specific period of time.
Back to Top Equifax offers you personal credit products that enlighten, enable and empower you. Whether you are understanding your credit, protecting your identity or preparing for a major purchase, Equifax offers the tools you need to make the smartest choices possible. For more information visit www.Equifax.com.

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