CREDIT REPORT

SHANNON COX

Report Confirmation

0741238851
Dear SHANNON COX:
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:
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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.

SHANNON COX | Aug 28, 2020 Page 2 of 60

1. Summary
Review this summary for a quick view of key information contained in your Equifax Credit Report.

Report Date Aug 28, 2020

Credit File Status File Blocked For Promotional Purposes

Alert Contacts 0 Records Found

Average Account Age 12 Years, 4 Months

Length of Credit History 30 Years, 10 Months

Accounts with Negative Information 1

Oldest Account SYNCB/JC PENNEYS (Opened Oct 04, 1989)

Most Recent Account BMO HARRIS BANK N.A. (Opened May 12, 2014)

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 5 3 $23,911 $16,589 $40,500 59.0% $494

Mortgage 1 1 $36,453 $27,547 $64,000 57.0% $750

Installment 1 1 $26,979 $7,777 $34,756 78.0% $0

Other

Total 7 5 $87,343 $51,913 $139,256 63.0% $1,244

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 7 Items Found

Inquiries 4 Inquiries Found

Most Recent Inquiry UNITED 1ST FEDERAL CUAug 27, 2020

Public Records 0 Records Found

Collections 0 Collections Found

SHANNON COX | Aug 28, 2020 Page 3 of 60

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 CITICARDS CBNA

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number Reported Balance $16,668

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 93%

Available Credit $18,000

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $12,732 $12,543 $12,540

2019 $13,030 $12,934 $13,216 $13,782 $14,730 $14,905 $15,276 $15,186 $15,165 $15,283 $16,107

2020 $16,087 $16,064 $15,967 $15,942 $16,558 $16,610

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $250 $240 $260

2019 $257 $271 $260 $271 $307 $288 $316 $298 $293 $310 $301

2020 $312 $327 $282 $289 $308 $297

SHANNON COX | Aug 28, 2020 Page 4 of 60

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $12,784 $12,784 $12,784

2019 $13,115 $13,115 $13,216 $13,782 $14,730 $14,905 $15,276 $15,276 $15,276 $15,283 $16,107

2020 $16,107 $16,107 $16,107 $16,107 $16,558 $16,610

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $14,000 $14,000 $14,000

2019 $14,000 $14,000 $14,000 $16,500 $16,500 $16,500 $16,500 $16,500 $16,500 $16,500 $18,000

2020 $18,000 $18,000 $18,000 $18,000 $18,000 $18,000

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

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.

SHANNON COX | Aug 28, 2020 Page 5 of 60

 Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020

2019

2018

2017

2016

2015

2014

2013

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 $16,668 Owner UNDESIGNATED

Credit Limit $18,000 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $16,668 Date Opened Sep 26, 2007

Amount Past Due Date Reported Aug 26, 2020

Actual Payment Amount Date of Last Payment Aug 01, 2020

Date of Last Activity Scheduled Payment Amount $316

Months Reviewed 99 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

SHANNON COX | Aug 28, 2020 Page 6 of 60

Comments Contact

CITICARDS CBNA
5800 SOUTH CORPORATE PLACE
MAIL CODE 234
SIOUX FALLS, SD 57108

SHANNON COX | Aug 28, 2020 Page 7 of 60

2.2 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 Reported Balance $5,786

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 83%

Available Credit $7,000

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $3,765 $3,742 $3,712 $3,776 $3,738

2019 $3,704 $3,655 $2 $1,377 $2,574 $1,931 $1,922 $1,903 $2,054 $2,457 $3,703

2020 $4,727 $5,974 $6,663 $6,741 $6,478 $6,415

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $101 $100 $97 $101 $99

2019 $101 $100 $2 $25 $69 $57 $52 $51 $52 $62 $87

2020 $119 $152 $167 $172 $163 $163

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

SHANNON COX | Aug 28, 2020 Page 8 of 60

2018

2019

2020

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $4,043 $4,043 $4,043 $4,043 $4,043

2019 $4,043 $4,043 $4,043 $4,043 $4,043 $4,043 $4,043 $4,043 $4,043 $4,043 $4,043

2020 $4,728 $6,175 $6,663 $7,082 $7,082 $7,082

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $4,000 $4,000 $4,000 $4,000 $4,000

2019 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $7,000 $7,000

2020 $7,000 $7,000 $7,000 $7,000 $7,000 $7,000

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a
payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020

SHANNON COX | Aug 28, 2020 Page 9 of 60

 2019

2018

2017

2016

2015

2014

2013

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 $7,082 Owner INDIVIDUAL

Credit Limit $7,000 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $5,786 Date Opened Jul 11, 2007

Amount Past Due Date Reported Aug 12, 2020

Actual Payment Amount Date of Last Payment Aug 01, 2020

Date of Last Activity Scheduled Payment Amount $153

Months Reviewed 99 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

CAPITAL ONE BANK USA NA

PO BOX 85015
RICHMOND, VA 23285-5075
1-800-955-7070

SHANNON COX | Aug 28, 2020 Page 10 of 60

2.3 BANK OF AMERICA

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number Reported Balance $1,457

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 42%

Available Credit $3,500

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $3,159 $3,078 $2,773 $2,542 $2,253

2019 $3,278 $21 $1 $2,167 $896 $639 $2,155 $2,496

2020 $2,564 $514 $938 $943 $944 $1,954

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $113 $112 $101 $94 $82

2019 $107 $21 $1 $98 $31 $25 $60 $81

2020 $88 $54 $25 $32 $39 $54

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

SHANNON COX | Aug 28, 2020 Page 11 of 60

2018

2019

2020

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $3,586 $3,586 $3,586 $3,586 $3,586

2019 $3,586 $3,586 $3,586 $3,586 $3,586 $3,586 $3,586 $3,586

2020 $3,586 $3,586 $3,586 $3,586 $3,586 $3,586

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $3,500 $3,500 $3,500 $3,500 $3,500

2019 $3,500 $3,500 $3,500 $3,500 $3,500 $3,500 $3,500 $3,500

2020 $3,500 $3,500 $3,500 $3,500 $3,500 $3,500

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a
payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020

SHANNON COX | Aug 28, 2020 Page 12 of 60

 2019

2018

2017

2016

2015

2014

2013

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 $3,586 Owner UNDESIGNATED

Credit Limit $3,500 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $1,457 Date Opened Nov 04, 2006

Amount Past Due Date Reported Aug 12, 2020

Actual Payment Amount Date of Last Payment Jul 01, 2020

Date of Last Activity Scheduled Payment Amount $25

Months Reviewed 99 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

SHANNON COX | Aug 28, 2020 Page 13 of 60

Comments Contact

BANK OF AMERICA
4060 OGLETOWN/STANTON RD
DE5-019-03-07
NEWARK, DE 19713
1-800-421-2110

SHANNON COX | Aug 28, 2020 Page 14 of 60

2.4 SYNCB/JC PENNEYS

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit $6,400

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $233 $37 $85 $242

2019 $201 $86 $199 $443 $527

2020 $337 $0

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $27 $27 $27 $27

2019 $27 $30 $38 $38 $38

2020 $27

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

SHANNON COX | Aug 28, 2020 Page 15 of 60

2018 $40 $200 $27

2019 $255 $38 $38

2020 $200

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $3,595 $3,595 $3,595 $3,595

2019 $3,595 $3,595 $3,595 $3,595 $3,595

2020 $3,595 $3,595

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $6,400 $6,400 $6,400 $6,400

2019 $6,400 $6,400 $6,400 $6,400 $6,400

2020 $6,400 $6,400

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a
payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020

SHANNON COX | Aug 28, 2020 Page 16 of 60

 2019

2018

2017

2016

2015

2014

2013

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 $3,595 Owner JOINT_CONTRACTUAL_LIABILITY

Credit Limit $6,400 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $0 Date Opened Oct 04, 1989

Amount Past Due Date Reported Jul 31, 2020

Actual Payment Amount $88 Date of Last Payment Jul 01, 2020

Date of Last Activity Scheduled Payment Amount

Months Reviewed 99 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Charge Account Date Closed

Date of First Delinquency

Comments Contact

SYNCB/JC PENNEYS
4125 WINDWARD PLAZA
ALPHARETTA, GA 30005

SHANNON COX | Aug 28, 2020 Page 17 of 60

2.5 SYNCB/BELK

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit $5,600

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $19 $30 $106

2019 $61 $76 $65 $41 $53

2020 $0

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $19 $25 $25

2019 $25 $25 $25 $28 $28

2020

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

SHANNON COX | Aug 28, 2020 Page 18 of 60

2018 $25

2019 $106 $76 $25 $28

2020

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $279 $279 $279

2019 $279 $279 $279 $279 $279

2020 $279

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $4,000 $4,000 $4,000

2019 $4,000 $5,600 $5,600 $5,600 $5,600

2020 $5,600

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a
payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020

SHANNON COX | Aug 28, 2020 Page 19 of 60

 2019

2018

2017

2016

2015

2014

2013

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 $279 Owner INDIVIDUAL

Credit Limit $5,600 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $0 Date Opened Aug 28, 2011

Amount Past Due Date Reported Jul 31, 2020

Actual Payment Amount $116 Date of Last Payment Jul 01, 2020

Date of Last Activity Scheduled Payment Amount

Months Reviewed 99 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Charge Account Date Closed

Date of First Delinquency

Comments Contact

SYNCB/BELK
4125 WINDWARD PLAZA
ALPHARETTA, GA 30005

SHANNON COX | Aug 28, 2020 Page 20 of 60

2.6 DFS/WEBBANK (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit $3,200

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $1 Owner INDIVIDUAL

Credit Limit $3,200 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $0 Date Opened Mar 24, 2008

Amount Past Due Date Reported Jan 19, 2014

Actual Payment Amount Date of Last Payment Apr 01, 2008

Date of Last Activity Scheduled Payment Amount

Months Reviewed 70 Delinquency First Reported

Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Charge Account Date Closed Feb 01, 2012

Date of First Delinquency

SHANNON COX | Aug 28, 2020 Page 21 of 60

Comments Contact

DFS/WEBBANK
PO BOX 81607
AUSTIN, TX 78708
1-800-283-2210

SHANNON COX | Aug 28, 2020 Page 22 of 60

2.7 BARCLAYS BANK DELAWARE (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit $700

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $0 Owner INDIVIDUAL

Credit Limit $700 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $0 Date Opened Oct 14, 2008

Amount Past Due Date Reported Nov 13, 2013

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 61 Delinquency First Reported

Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Credit Card Date Closed Nov 01, 2009

Date of First Delinquency

SHANNON COX | Aug 28, 2020 Page 23 of 60

Comments Contact

Account closed at consumer’s request BARCLAYS BANK DELAWARE

PO BOX 8803
ATT: CREDIT BUREAU
WILMINGTON, DE 19899
1-888-232-0780

SHANNON COX | Aug 28, 2020 Page 24 of 60

2.8 PREFERRED CUSTOMER ACCOUNT (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit $4,000

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $854 Owner INDIVIDUAL

Credit Limit $4,000 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $0 Date Opened Nov 14, 2009

Amount Past Due Date Reported Feb 12, 2012

Actual Payment Amount Date of Last Payment Apr 01, 2010

Date of Last Activity Scheduled Payment Amount

Months Reviewed 26 Delinquency First Reported

Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Charge Account Date Closed Oct 01, 2011

Date of First Delinquency

SHANNON COX | Aug 28, 2020 Page 25 of 60

Comments Contact

Account closed by credit grantor PREFERRED CUSTOMER ACCOUNT

CSCL DISPITE TM-MAC N8235-04M
PO BOX 14517
DES MOINES, IA 50306

SHANNON COX | Aug 28, 2020 Page 26 of 60

3. Mortgage Accounts
Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off.

3.1 REGIONS BANK DBA REGIONS MTG

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 xxxxxxxxx 3794 Reported Balance $36,453

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 57%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $42,028 $41,813 $41,597 $41,379 $41,163 $40,940

2019 $40,718 $40,494 $40,042 $39,814 $39,584 $39,353 $39,120 $38,886 $38,650 $38,444 $38,173

2020 $37,932 $37,690 $37,446 $37,200 $36,953

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $706 $706 $706 $706 $706 $706

2019 $731 $731 $731 $731 $731 $731 $731 $731 $731 $731 $731

2020 $750 $750 $750 $750 $750

SHANNON COX | Aug 28, 2020 Page 27 of 60

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $706 $706 $706 $706 $706 $706

2019 $706 $731 $1,462 $731 $731 $731 $731 $731 $731 $731

2020 $731 $775 $750 $750 $750

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $64,000 $64,000 $64,000 $64,000 $64,000 $64,000

2019 $64,000 $64,000 $64,000 $64,000 $64,000 $64,000 $64,000 $64,000 $64,000 $64,000 $64,000

2020 $64,000 $64,000 $64,000 $64,000 $64,000

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Comments 1

Date Comment

07/2018 Fixed rate

SHANNON COX | Aug 28, 2020 Page 28 of 60

Date Comment

08/2018 Fixed rate

09/2018 Fixed rate

10/2018 Fixed rate

11/2018 Fixed rate

12/2018 Fixed rate

01/2019 Fixed rate

02/2019 Fixed rate

04/2019 Fixed rate

05/2019 Fixed rate

06/2019 Fixed rate

07/2019 Fixed rate

08/2019 Fixed rate

09/2019 Fixed rate

10/2019 Fixed rate

11/2019 Fixed rate

12/2019 Fixed rate

01/2020 Fixed rate

02/2020 Fixed rate

03/2020 Fixed rate

04/2020 Fixed rate

05/2020 Fixed rate

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a
payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020

2019

2018

SHANNON COX | Aug 28, 2020 Page 29 of 60

 2017

2016

2015 30

2014

2013

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 $64,000 Owner JOINT_CONTRACTUAL_LIABILITY

Credit Limit Account Type MORTGAGE

Terms Frequency MONTHLY Term Duration 24

Balance $36,453 Date Opened Dec 11, 2003

Amount Past Due Date Reported Aug 05, 2020

Actual Payment Amount $750 Date of Last Payment Jul 01, 2020

Date of Last Activity Scheduled Payment Amount $750

Months Reviewed 99 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Conventional Real Estate Date Closed

Mortgage

Date of First Delinquency

Comments Contact

Fixed rate REGIONS BANK DBA REGIONS MTG

5214 LINCOLN RD
HATTIESBURG, MS 39402
1-800-986-2462

SHANNON COX | Aug 28, 2020 Page 30 of 60

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 DEPT OF ED/NAVIENT

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 xxxxxxxxxxxxxxxx 0100 Reported Balance $26,979

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 78%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $30,714 $30,582 $30,453 $30,319 $30,189

2019 $30,058 $29,913 $29,782 $29,645 $29,512 $29,374 $29,240 $29,105 $28,964 $28,828 $28,687 $28,549

2020 $28,411 $28,265 $28,046 $27,779 $27,379

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $267 $267 $267 $267 $267

2019 $267 $267 $267 $267 $267 $267 $267 $267 $267 $267 $267 $267

2020 $267 $267 $267

SHANNON COX | Aug 28, 2020 Page 31 of 60

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $267 $267 $267 $267 $267

2019 $267 $267 $267 $267 $267 $267 $267 $267 $267 $267 $267 $267

2020 $267 $267 $267 $267 $399

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $34,756 $34,756 $34,756 $34,756 $34,756

2019 $34,756 $34,756 $34,756 $34,756 $34,756 $34,756 $34,756 $34,756 $34,756 $34,756 $34,756 $34,756

2020 $34,756 $34,756 $34,756 $34,756 $34,756

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Comments 1

Date Comment

08/2018 Fixed rate

SHANNON COX | Aug 28, 2020 Page 32 of 60

Date Comment

09/2018 Fixed rate

10/2018 Fixed rate

11/2018 Fixed rate

12/2018 Fixed rate

01/2019 Fixed rate

02/2019 Fixed rate

03/2019 Fixed rate

04/2019 Fixed rate

05/2019 Fixed rate

06/2019 Fixed rate

07/2019 Fixed rate

08/2019 Fixed rate

09/2019 Fixed rate

10/2019 Fixed rate

11/2019 Fixed rate

12/2019 Fixed rate

01/2020 Fixed rate

02/2020 Fixed rate

03/2020 Fixed rate

04/2020 Fixed rate

05/2020 Fixed rate

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a
payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020

2019

2018

SHANNON COX | Aug 28, 2020 Page 33 of 60

 2017

2016

2015

2014

2013

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 $34,756 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency MONTHLY Term Duration 24

Balance $26,979 Date Opened Jun 25, 2010

Amount Past Due Date Reported Jul 31, 2020

Actual Payment Amount $399 Date of Last Payment Jul 01, 2020

Date of Last Activity Scheduled Payment Amount

Months Reviewed 89 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments Contact

Fixed rate DEPT OF ED/NAVIENT

PO BOX 9655
WILKES-BARRE, PA 18773-9655
1-999-999-9999

SHANNON COX | Aug 28, 2020 Page 34 of 60

4.2 BMO HARRIS BANK N.A. (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxx 7344 Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $4,821 $4,426 $4,029 $3,632 $3,234

2019 $2,835 $2,435 $2,033 $1,631 $1,228 $824 $419

2020

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $407 $407 $407 $407 $407

2019 $407 $407 $407 $407 $407 $407 $407

2020

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

SHANNON COX | Aug 28, 2020 Page 35 of 60

2018 $407 $407 $407 $407 $407

2019 $407 $407 $427 $407 $427 $407 $407

2020

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 $23,783 $23,783 $23,783 $23,783 $23,783

2019 $23,783 $23,783 $23,783 $23,783 $23,783 $23,783 $23,783

2020

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

2019

2020

Comments 1

Date Comment

08/2018 Fixed rate

09/2018 Fixed rate

10/2018 Fixed rate

SHANNON COX | Aug 28, 2020 Page 36 of 60

Date Comment

11/2018 Fixed rate

12/2018 Fixed rate

01/2019 Fixed rate

02/2019 Fixed rate

03/2019 Fixed rate

04/2019 Fixed rate

05/2019 Fixed rate

06/2019 Fixed rate

07/2019 Fixed rate

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a
payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2019

2018

2017

2016

2015

2014

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 $23,783 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency MONTHLY Term Duration 6

SHANNON COX | Aug 28, 2020 Page 37 of 60

Balance $0 Date Opened May 12, 2014

Amount Past Due Date Reported Aug 31, 2019

Actual Payment Amount $421 Date of Last Payment Aug 01, 2019

Date of Last Activity Scheduled Payment Amount

Months Reviewed 63 Delinquency First Reported

Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Auto Date Closed Aug 01, 2019

Date of First Delinquency

Comments Contact

Account closed at consumer’s request BMO HARRIS BANK N.A.

111 W MONROE ST
Fixed rate
CHICAGO, IL 60690
1-312-461-2265

SHANNON COX | Aug 28, 2020 Page 38 of 60

4.3 ONEMAIN FINANCIAL (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxxx 4269 Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $3,661 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency MONTHLY Term Duration 3

Balance $0 Date Opened Oct 27, 2011

Amount Past Due Date Reported Dec 31, 2013

Actual Payment Amount $1,119 Date of Last Payment Dec 01, 2013

Date of Last Activity Scheduled Payment Amount

Months Reviewed 26 Delinquency First Reported

Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Unsecured Date Closed Dec 01, 2013

Date of First Delinquency

SHANNON COX | Aug 28, 2020 Page 39 of 60

Comments Contact

ONEMAIN FINANCIAL
6801 COLWELL BLVD
C/S CARE DEPT
IRVING, TX 75039
1-800-922-6235

SHANNON COX | Aug 28, 2020 Page 40 of 60

4.4 U S DEPARTMENT OF EDU AFSA (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 8536 Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $10,593 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency MONTHLY Term Duration 24

Balance $0 Date Opened Jun 25, 2010

Amount Past Due Date Reported Mar 18, 2013

Actual Payment Amount $76 Date of Last Payment Jun 01, 2012

Date of Last Activity Scheduled Payment Amount

Months Reviewed 17 Delinquency First Reported

Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed Feb 01, 2013

Date of First Delinquency

SHANNON COX | Aug 28, 2020 Page 41 of 60

Comments Contact

U S DEPARTMENT OF EDU AFSA

PO BOX 7202
UTICA, NY 13504-7202

SHANNON COX | Aug 28, 2020 Page 42 of 60

4.5 U S DEPARTMENT OF EDU AFSA (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 8436 Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $24,163 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency MONTHLY Term Duration 24

Balance $0 Date Opened Jun 25, 2010

Amount Past Due Date Reported Mar 18, 2013

Actual Payment Amount $174 Date of Last Payment Jun 01, 2012

Date of Last Activity Scheduled Payment Amount

Months Reviewed 17 Delinquency First Reported

Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed Feb 01, 2013

Date of First Delinquency

SHANNON COX | Aug 28, 2020 Page 43 of 60

Comments Contact

U S DEPARTMENT OF EDU AFSA

PO BOX 7202
UTICA, NY 13504-7202

SHANNON COX | Aug 28, 2020 Page 44 of 60

4.6 U S DEPARTMENT OF EDU AFSA (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxx 6291 Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $34,870 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 24

Balance $0 Date Opened Jun 01, 2010

Amount Past Due Date Reported Sep 01, 2011

Actual Payment Amount Date of Last Payment Feb 01, 2011

Date of Last Activity Scheduled Payment Amount

Months Reviewed 15 Delinquency First Reported

Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

SHANNON COX | Aug 28, 2020 Page 45 of 60

Comments Contact

U S DEPARTMENT OF EDU AFSA

PO BOX 7202
UTICA, NY 13504-7202

SHANNON COX | Aug 28, 2020 Page 46 of 60

4.7 MARINER FINANCE, LLC (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxx 2446 Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $4,175 Owner JOINT_CONTRACTUAL_LIABILITY

Credit Limit Account Type INSTALLMENT

Terms Frequency MONTHLY Term Duration 2

Balance $0 Date Opened Mar 01, 2010

Amount Past Due Date Reported May 01, 2011

Actual Payment Amount Date of Last Payment Mar 01, 2011

Date of Last Activity Scheduled Payment Amount

Months Reviewed 14 Delinquency First Reported

Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Note Loan Date Closed Mar 01, 2011

Date of First Delinquency

SHANNON COX | Aug 28, 2020 Page 47 of 60

Comments Contact

MARINER FINANCE, LLC

5802 E. VIRGINIA BEACH BLVD
SUITE 121
NORFOLK, VA 23502
1-844-338-2080

SHANNON COX | Aug 28, 2020 Page 48 of 60

5. Other Accounts
Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support
obligations or rental agreements.
You currently do not have any Other Accounts in your file.

SHANNON COX | Aug 28, 2020 Page 49 of 60

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.

SHANNON COX | Aug 28, 2020 Page 50 of 60

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 SHANNON D COX

Formerly known as

Social Security Number xxxxx 6629

Age or Date of Birth Jul 01, 1971

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

3390 BARBER ST Current Aug 27, 2020

WAYCROSS, GA 31503

2506 MESA RD Former Jan 20, 2011

WAYCROSS, GA 31501

3304 WADLEY RD Former Jan 20, 2011

WAYCROSS, GA 31503

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

SHANNON COX | Aug 28, 2020 Page 51 of 60

DAYCARE

SATILLA SIDING AWNIN

WAL MART

SHANNON COX | Aug 28, 2020 Page 52 of 60

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

Aug 27, 2020 UNITED 1ST FEDERAL CU

162 N GROSS RD
KINGSLAND, GA 31548

1-912-729-2800

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

Aug 18, 2020 SOUTHERN BAPTIST HOSPITAL O Account Review Inquiry

Jul 28, 2020 CAPITAL ONE Account Review Inquiry

Dec 07, 2018 EQUIFAX Credit Report

SHANNON COX | Aug 28, 2020 Page 53 of 60

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.

SHANNON COX | Aug 28, 2020 Page 54 of 60

10. Collections
Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your
credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit
score.
You currently do not have any Collections in your file.

SHANNON COX | Aug 28, 2020 Page 55 of 60

11. Dispute File Information
If you believe that any of the information found on this report is incorrect, there are 3 ways to launch an investigation about the
information in this report.
When you file a dispute, the credit bureau you contact is required to investigate your dispute within 30 days. They will not remove
accurate data unless it is outdated or cannot be verified.
To initiate a dispute online please visit https://www.ai.equifax.com
To check the status or view the results of your dispute please visit https://www.ai.equifax.com

SHANNON COX | Aug 28, 2020 Page 56 of 60

 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).

SHANNON COX | Aug 28, 2020 Page 57 of 60

 • 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):

SHANNON COX | Aug 28, 2020 Page 58 of 60

 TYPE OF BUSINESS: CONTACT:

1.a. Banks, savings associations, and credit unions with total assets of a.Consumer Financial Protection Bureau 1700 G Street,
over $10 billion and their affiliates N.W.Washington, DC 20552

b. Such affiliates that are not banks, savings associations, or credit b.Federal Trade Commission Consumer Response Center 600
unions also should list, in addition to the CFPB: Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357

2.To the extent not included in item 1 above: a.National banks, federal a.Office of the Comptroller of the Currency Customer Assistance
savings associations, and federal branches and federal agencies of Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050
foreign banks

b.State member banks, branches and agencies of foreign banks (other

b.Federal Reserve Consumer Help Center P.O. Box 1200
than federal branches, federal agencies, and Insured State Branches
Minneapolis, MN 55480
of Foreign Banks), commercial lending companies owned or controlled
by foreign banks, and organizations operating under section 25 or 25A
of the Federal Reserve Act.

c.Nonmember Insured Banks, Insured State Branches of Foreign

Banks, and insured state savings associations c.FDIC Consumer Response Center 1100 Walnut Street, Box #11
Kansas City, MO 64106
d.Federal Credit Unions
d.National Credit Union Administration Office of Consumer Financial
Protection (OCFP) Division of Consumer Compliance Policy and
Outreach 1775 Duke Street Alexandria, VA 22314

3.Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings
Aviation Consumer Protection Division Department of Transportation
1200 New Jersey Avenue, S.E. Washington, DC 20590

4.Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of
Transportation 395 E Street, S.W. Washington, DC 20423

5.Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor

6.Small Business Investment Companies Associate Deputy Administrator for Capital Access United States
Small Business Administration 409 Third Street, S.W., Suite 8200
Washington, DC 20416

7.Brokers and Dealers Securities and Exchange Commission 100 F Street, N.E. Washington,
DC 20549

8.Federal Land Banks, Federal Land Bank Associations, Federal Farm Credit Administration 1501 Farm Credit Drive McLean, VA
Intermediate Credit Banks, and Production Credit Associations 22102-5090

9.Retailers, Finance Companies, and All Other Creditors Not Listed Federal Trade Commission Consumer Response Center 600
Above Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357

SHANNON COX | Aug 28, 2020 Page 59 of 60

 Commonly Asked Questions About Credit Files

Q. How can I correct a mistake in my credit file?

A. Complete the Research Request form and give details of the information you believe is incorrect. We will then check with the credit
grantor, collection agency or public record source to see if any error has been reported. Information that cannot be verified will be
removed from your file. If you and a credit grantor disagree on any information, you will need to resolve the dispute directly with the
credit grantor who is the source of the information in question.
Q. If I do have credit problems, is there someplace where I can get advice and assistance?
A. Yes, there are a number of organizations that offer assistance. For example, the Consumer Credit Counseling Service (CCCS) is a
non-profit organization that offers free or low-cost financial counseling to help people solve their financial problems. CCCS can help you
analyze your situation and work with you to develop solutions. There are more than 600 CCCS offices throughout the country. Call 1
(800) 388-2227 for the telephone number of the office nearest you.

Facts You Should Know

o The length of time an account or record remains in your credit file is shown below:
Collection Agency Accounts: Remain up to 7 years from the Date of First Delinquency.
Credit or Other reported accounts: Accounts paid as agreed remain for up to 10 years from the date last reported by the lender.
Accounts not paid as agreed (i.e., delinquent, charged off, accounts placed for collection) remain for up to 7 years from the
Date of First Delinquency.
Public Records: Bankruptcy-
Chapter 7 or 11 bankruptcies filed and discharged remain for 10 years from the date filed.
Chapter 12 and 13 bankruptcies remain for 7 years from the date filed.
Dismissed bankruptcies (all chapters) remain for 7 years from the date filed.
New York Residents Only (must be a current resident): Paid collections remain on your Equifax credit report for 5 years from the
date of the first missed payment. A paid Charged Off account remains on the file for 5 years from the Date of First Delinquency.
o Name, address, and Social Security Number information may be provided to businesses that have a legitimate need to locate or
identify a consumer.
Additional Notice to Consumer:
You may request a description of the procedure used to determine the accuracy and completeness of the information, including the
business name and address of the furnisher of information contacted, and if reasonably available the telephone number.
If the reinvestigation does not resolve your dispute, you have the right to add a statement to your credit file disputing the accuracy or
completeness of the information; the statement should be brief and may be limited to not more than one hundred words explaining
the nature of your dispute.
If the reinvestigation results in the deletion of disputed information, or you submit a statement in accordance with the preceding
paragraph, you have the right to request that we send your revised credit file to any company specifically designated by you that
received your credit report in the past six months (twelve months for California, Colorado, Maryland, New Jersey and New York
residents) for any purpose or in the past two years for employment purposes.

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