PVAC Backup 01/05/2009
Public Vehicle
Advisory Committee
Backup Documents
January 5, 2009
COLLIER COUNTY PUBLIC VEHICLE ADVISORY COMMITTEE
AGENDA
Date: January 5th, 2009 at 9:30 A.M.
Location: Collier County Community Development Services Building, 2800 N. Horseshoe Dr, Naples, FL,
Conference Room # 609 I 610
NOTICE: PERSONS WISHING TO SPEAK AT THE MEETING NEED TO COMPLETE A "REQUEST
TO SPEAK" FORM. SPEAKERS MAY BE LIMITED TO THREE (3) MINUTES FOR DISCUSSION
UNLESS ADDITIONAL TIME IS GRANTED BY THE COMMITTEE.
ALL PARTIES PARTICIPATING IN THE PUBLIC MEETING NEED TO SPEAK ONE AT A TIME AND
STATE THEIR FULL NAME AND COMPANY THEY REPRESENT, IF APPLICABLE, SO THAT THE
COURT REPORTER CAN RECORD ALL STATEMENTS BEING MADE.
ANY PERSON WHO DECIDES TO APPEAL A DECISION OF THIS BOARD WILL NEED A RECORD
OF THE PROCEEDINGS PERTAINING THERETO, AND THEREFORE MAY NEED.TO ENSURE THAT
A VERBATIM RECORD OF THE PROCEEDINGS IS MADE, WHICH RECORD INCLUDES THAT
TESTIMONY AND EVIDENCE UPON WHICH THE APPEAL IS TO BE BASED.
PLEASE ENSURE ALL PAGERS AND CELL PHONES ARE OFF OR IN A QUIET POSITION.
I. Call Meeting to Order
II. Attendance
m. Approval of Agenda
IV. Approval of Minutes - 11-03-08
V. New Business
A. New Applications
1. AAfordable Tours
2. Naples Premium Transport
VI. Old Business
Staff Comments
VII. Public Comment
VIII. Next Meeting Date- February 2nd, 2009
IX. Adjournment
January 5, 2009
MINUTES OF THE MEETING OF THE COLLIER COUNTY
PUBLIC VEHICLE ADVISORY COMMITTEE
Naples, Florida, January 5, 2009
LET IT BE REMEMBERED, that the Collier County Public Vehicle
Advisory Committee in and for the County of Collier, having conducted
business herein, met on this date at 9:30 A.M. in REGULAR SESSION at
the Collier County Community Development and Environmental Services
Building, 2800 N. Horseshoe Drive, Conference Room #610, Naples,
Florida, with the following members present:
CHAIRMAN: Russ Berghuis
VICE CHAIRMAN: Steve Quinn (excused)
Ron Doino
Reg Buxton
Tony Marino
Tom Lugrin (alternate)
STAFF PRESENT: Jamie French, Operations Manager, CDES
Ken Kovensky, Sr. Budget Analyst, CDES
Diane Flagg, Code Enforcement Director
Marlene Serrano, Code Enforcement
Colleen Davidson, Code Enforcement
David Scribner, Code Enforcement Investigations Mgr.
Steve Williams, Assistant County Attorney
January 5, 2009
I. Call to Order
Chairman Russ Berghuis called the meeting to order at 9:30 A.M.
II. Attendance
Jamie French called the roll. A quorum was established.
III. Approval of Agenda
Tom Lugrin moved to approve the Agenda, with the addition of one application
for Florida Transportation Specialists, Inc.
Second by Reg Buxton. Carried unanimously 5-0.
IV. Approval of Minutes: November 3,2008
Tom Lugrin moved to approve the minutes of November 3, 2008 as presented.
Second by Ron Doino. Carried unanimously, 5-0.
V. New Business:
The following application packages, which have been recommended for approval
by Staff, were presented.
A. New Application:
1. A Affordable Tours, - Request is a reapplication for a new CTO.
Paul E. Pollara, Jr., the applicant, stated the reason for the reapplication
was a failure to file the license in the 30-day time limit, after approval by
PV AC. Everything else was in order.
Tom Lugrin moved to recommend approval of the CTO application.
Second by Tony Marino. Carried unanimously, 5-0.
2. Guiampu Corp., DBA Naples Premium Transport - Request is for a
new CTO.
Ricardo Ampuero and Mariella Guiulfo are the applicants. Mr. Ampuero
was present. He was informed that only two vehicles, driven by the owner,
were permitted under a home based business.
Tony Marino moved to recommend approval of the CTO application.
Second by Reg Buxton. Carried unanimously, 5-0.
3. Florida Transportation Specialists, Inc - Request is for new CTO.
Charles R. Baisley is the applicant and was present.
Staff recommended approval contingent upon the reception of a recent
favorable background check.
Reg Buxton moved to recommend approval upon receipt of a
favorable background check. Second by Ron Doino.
Carried unanimously, 5-0.
2
January 5, 2009
VI. Old Business
Staff Comments
Jamie French commented on the following:
· The Ordinance Revision proposal went before the BCC on November 18,
2008. The BCC recommended re-writing, shortening and a removal of all
protectionism before bringing it back for PV AC approval. This activity is
in process with staff and the County Attorney's office.
· Regarding the Complaint Report previously provided by Code
Enforcement-- due to the division of the Code Enforcement into
Regulatory and Enforcement sections, that report falls under Enforcement
and not part of the Regulatory functions, under which the PV AC operates.
· Regarding streamlining the content of the Ordinance being revised -
guidance given staff was to keep it brief, support free market and support
the industry. The BCC's intent is to keep the Public safe.
· Objectives are to better define what a charter company is and what a taxi
company IS.
· Regarding specialty vehicles - If a hired driver is used, that falls under the
Ordinance and the company needs to be registered.
· Regarding rate setting - Let effective market competition take care of
rates.
Attorney Steve Williams stated all provisions for Taxi, Charter and Specialty
vehicles will be covered under the one Ordinance.
Discussion followed:
Chairman Berghuis, together with all Advisory Committee members, agreed to
request copies of the Complaint Report from The Code Enforcement division.
Staff agreed to work with Code Enforcement to provide the report to PV AC.
Ken Kovensky, Senior Budget Analyst was introduced as Mr. French's "right
hand man." One of his duties will be to head up the licensing of companies and
drivers after the transition of functions from Code Enforcement is complete. This
will be done after all renewals are completed (after Jan. 31, 2009).
Marlene Serrano, Operations Mgr. reported on the charter and taxi renewal
status. She stated State Law, not the County, determines the vehicle classes by
weight and occupancy. Vehicle for Hire Class 9 has now been divided into 9 and
36. Eight to Fourteen passengers are Class 36.
VII. Public comment
Ken Mastrodomenico noted the following:
· Objected to specialty vehicles-- should not be there to compete with taxis.
· Requested notification to industry of changes to renewal policies in order
to facilitate the renewal process.
· Stated that drivers use their own registrations which do not have a "Class"
designation on it.
3
January 5, 2009
David Scribner responded the Ordinance which shows all the types andforms
needed to be part of the packet submitted. He cited the Ordinance numbers and
Administrative Code for reference. Some changes in the CTO and renewal
processes are anticipated once the Regulatory division is fully established.
Diane Flagg requested clarification on the Complaint Report content requested by
PVAC.
Jamie French reiterated the Report was not a regulatory function and his staff would
not guarantee providing its presentation as part of PVAC meeting materials.
Members could request it directly from Code Enforcement. Should the Report be sent
to Mr. French's office, he agreed toforward it to PVAC members.
VIII. Next Scheduled Meeting Date - February 2, 2009 - 9:30 A.M.
*****
There being no further business for the good of the County, the meeting was
adjourned by the order of the Chair at 10:04 A.M.
COLLIER COUNTY PUBLIC VEIDCLE
ADVISORY COMMITTEE
Chairman Russ Berghuis
These minutes were approved by the Board/Committee on
as presented , or as amended
4
COLLIER COUNTY PUBLIC VEHICLE ADVISORY
COMMITTEE
ATTENDANCE SHEET
Date /-::- S- (J 9
NAME
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COLLIER COUNTY PUBLIC VEHICLE ADVISORY COMMITTEE
AGENDA
Date: January 5th, 2009 at 9:30 A.M.
Location: Collier County Community Development Services Building, 2800 N. Horseshoe Dr, Naples, FL,
Conference Room # 609 I 610
NOTICE: PERSONS WISHING TO SPEAK AT THE MEETING NEED TO COMPLETE A "REQUEST
TO SPEAK" FORM. SPEAKERS MAY BE LIMITED TO THREE (3) MINUTES FOR DISCUSSION
UNLESS ADDITIONAL TIME IS GRANTED BY THE COMMITTEE.
ALL PARTIES PARTICIPATING IN THE PUBLIC MEETING NEED TO SPEAK ONE AT A TIME AND-
STATE THEIR FULL NAME AND COMPANY THEY REPRESENT, IF APPLICABLE, SO THAT THE
COURT REPORTER CAN RECORD ALL STATEMENTS BEING MADE.
ANY PERSON WHO DECIDES TO APPEAL A DECISION OF THIS BOARD WILL NEED A RECORD
OF THE PROCEEDINGS PERTAINING THERETO, AND THEREFORE MAY NEED TO ENSURE THAT
A VERBATIM RECORD OF THE PROCEEDINGS IS MADE, WHICH RECORD INCLUDES THAT
TESTIMONY AND EVIDENCE UPON WHICH THE APPEAL IS TO BE BASED.
PLEASE ENSURE ALL PAGERS AND CELL PHONES ARE OFF OR IN A QUIET POSITION.
I. Call Meeting to Order
II . Attendance
m. Approval of Agenda
IV. Approval of Minutes - 11-03-08
V. New Business
A. New Applications
1. AAfordable Tours
2. Naples Premium Transport
VI. Old Business
Staff Comments
VII. Public Comment
VIII. Next Meeting Date- February 2nd, 2009 -
IX. Adjournment
COLLIER COUNTY PUBLIC VEHICLE ADVISORY
COMMITTEE
ATTENDANCE SHEET
Date I'~ S- (J 9
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COLLIER COUNTY
BOARD OF COUNTY COMMISSIONERS
PUBLIC VEHICLE ADVISORY COMMITTEE
2800 NORTH HORSESHOE DRIVE
NAPLES, FL 34104
APPLICATION FOR CERTIFICATE TO OPERATE
DATE: o(..fvbG'L I b ~~f
The undersigned hereby makes application for a Certificate to Operate vehicles "for hire" within
Collier County under Code of Laws and Ordinance Chapter 142, and respectfully submits the
following information in support of this application.
FEES: Non-Refundable Application Fee
Certificate to Operate Issuance Fee (Yearly)
Vehicle Decal Permit Fee (Per Vehicle / Yearly)
Driver ill Fee.
$ 200.00
$ 325.00
$ 50.00
$ 75.00
NOTE: Please make check / money order payable to the BOARD OF COUNTY COMMISSIONERS
1. Name of Applicant: rAUL f PoLLffiiU1 'J"""R.,
Address: i J.;;g jke. a~.J,/lL. c:j- ~\t1 /}-I2-W rSla"ld..- PI
(Number & Street) (City) (State)
Home Telephone: (J3q) 3f?Q-7't q 0 E-Mail
Date of Birth: 3 i ;;) I /5'" S.S. #: J 3 ',- .., f-- 3.53;;'
Driver's License #: P yc, 0' 'C:/;..!;? -s(( v f 0
:} '{I (5-
(Zip Code)
2. If Partnership:
1"7.
Business Name:-eI1f1 fV1'-I5itf./::Ji (d d (lr
Business Address: Ie) J~ J 'J'v' Co If, e.....1fIc/<J file j"c t
(Number & Street) (City)
fit If!. c c!.J3~.( I~I
(State)
5'(I'(J
(Zip Code)
Business Telephone: (
E- Mail
List of Partners:
q,.,/ L fb f{4.j'u=-
A. 7"
(Name)
() 0l3f....Ji'T-7r9o
(Home phone #)
B. f2ete.'\... i] e,ll..e. <-
(Name)
(2]f) .?tq.- 51:/ J~
(Home phone #)
I Jj~! r /r-<-VVIl.! CF {t1 (frt (0 .::t5(Yt~ f/ .?fl'Y.i
(Address)
)1.)1( F' I]/:. --yr- .Js.?~
(Date of Birth) (Social Security #)
I 0 j} ;.,/. Cc.l(c.e.---./3/v1). ;V'"D ":;'I v>11.'fLLO ;I:::.U Ii Ytrl'1'f
(Address)
;V.o -S-'t ,- Lf tf ~ >
(Social Security #)
'/7/J-6'
(Date of Birth)
3. If Manager:
.0 .
i /tVL PGl t (C\.fLc--.
(Name)
;)Ji - 'j'fi-7yfo
(Home phone #)
Jj;/rjp
(Date of Birth)
;".
} :J 5)J T f'l~ vii ( (:; fiV/4"1. C. ~1Jf-'i:,t (( s y ( y J-
(Address)
/.3(-- ~/'" ]j"J I:-
(Social Security #)
Copies of Articles oflncorporation, all amendments thereto, and a certified copy of the Certificate of
Incorporation must accompany this application.
4. If Corporation I Fictious Name:
Exact Corporate jBusiness Name: J) /Jfortd o.bIe '{i.;tZ.I.
Business Telephone number: {;23'i ) h Yd "'-3 ~c 'C
Business Address: /O!.l IJ CoI(;.f..'4'L- tl.Jt-'l #0. ;).cl
(Number & Street) (City)
E- Mail
Pi JI.Jtal1}Jlcnt:! fl.
(State)
5'flr5~
(Zip Code)
List of Directors / Officers:
(,17)5"~
(Date of Birth)
I drt 'Tl-eaJ ..JJlZ C~ MM-C.o "15(0.-1.( fl. 3'i'yJ-
(Address)
6- 8-r3s36-
(Social Security #)
N. C_o\ll.f <L- bbp ;./D.!Jo/ Y4:;e(0131~ft1i(fl
(Address)
3Jo-- 5'1- 4~d:J.
A. P4tJUYo {/AU 'J/1.
(Na.-rne)
d39 -3gx)-7Y90
(Home phone #)
B. .~~ t2..
(Name)
d59-Jk) - 33.;l$""
(Home phone #)
3~115-~
(Date of Birth)
[)e.-<<.ec 1b1;3
(Social Security #)
5. List any and all persons holding a ten percent (10%) or greater beneficial interest in applicant's
business or company.
A.
(Address)
(Name)
(Home phone #)
(Date of Birth)
(Social Security #)
B.
(Address)
(Name)
(Home phone #)
(Date of Birth)
(Social Security #)
2
6. If applying for sub-Certificate name(s):
Date of application
a. Name
Rejected
REASON:
b. Approved
Date of application
c. Name
Rej ected
REASON:
d. Approved
7. Trade Name (if any)
8. List all criminal convictions for which the applicant, owners, managers, directors, and any
officers have been found guilty or convicted regardless of adjudication, in the United States
indicating the offense, the date, and the state.
9. Has Certificate to Operate ever been revoked? Yes
No r
!fyes, please explain the reason, the year, city, state, and the previous issued Certificate to Operate
number, of revocation:
3
AFFIDAVIT
[hereby certify that I have read and understand Code of Laws and Ordinance Chapter 142,
"Vehicles for Hire" and if I am granted a Certificate to operate I will fully comply wilh its
provisions. e
~(7 '\
/ (Signature of Applicant).
I ji-ktG. I5e tu:. G swear or affirm lhat all information on this Application
for Certificate to Operate is true.
~~~
(Signature of Applicant)
STATE OF FLORIDA
COUNTY OF COLLIER
The foregoing instrument was subscribed and sworn to before me this ~ I/;;).;, oJ'
. (Date)
who has produced R 0;,1.('&- 0iW "U '-' q--lIl.
(Type of identification)
By
R~ (]e;U:L.
(Name of person acknowledging)
As identification and who did take an oath.
~~
Signature of Notary
4w~ iAflud~r
Print of Notary
NOTARY'S SEAL
Commission Expires
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i/ii[E" r"'...... Notary Public - State 01 Florida
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5
Notary Public Commission # ~fj (p 6it>lc I S
AFFIDAVIT
Before me this day personally appeared p..e-je/l-- te t\ { L who swears or affrrms
that the vehicle(s) to be permitted meet(s) the safety standards as set forth in Code of Laws
and Ordinance Chapter 142.
It is understood and acknowledged by the Code Enforcement Department and myself that if
my vehic1e(s) that is! are permitted fail(s) to meet(s) the safety standards as required by this
Ordinance, the vehicle(s) must be removed from service until all violations are corrected.
BUSINESS NAME /-ttJ-h>Ad.t:.lIc '1O..JlLJ.
7:?,,-= e
SIGNATURE OF APPL1C~
~
():::k6e'l- ;, ~'JJ
/
DATE
STATE OF FLORIDA
COUNTY OF COLLIER
The for~going instrument was subscribed and sworn to before me this IlLJ day of flj.,1:JlI,
20M, by
(
'RdtP,./ B(/t...e e-
N ame of person acknowledging)
~
produced f1'W/,,Je.....D1Ji.f:4 tiu...JL
~~
SIGNATURE OF NOTARY
who is personally known or has
as identification and who did.
LV-&- S~fv,{i till
PRINT NAME OF NOTARY
NOTARY PUBLIC COMMISSION #
~f) ~ 6~to16
NOTARY'S SEAL
COMMISSION EXPIRES:
NO.I If. Z;;) I
J
",'~!;'t;:"" LAURA SCHNEIDER
I:.m" ~~.. Notary Public - State of Florida
!. . E My Commission Expires Mar 28. 2011
\~~ <Jl:,~~j Commission" DO 656615
"",lfr.rJ"'" Bonded ThroUgh National Notary Assn.
4
AFFIDAVIT
Before me this day personally appeared PJ)i,lL (Pc LI.hr4 JIL who swears or affirms
that the vehicle(s) to be permitted meet(s) the safety standards as set forth in Code of Laws
and Ordinance Chapter 142.
It is understood and acknowledged by the Code Enforcement Department and myself that if
my vehicle(s) that is/are permitted fail(s) to meet(s) the safety standards as required by thi~
Ordinance, the vehicle(s) must be removed from service until ~ violations are corrected.
BUSINESS NAME
l}A-fvt2'~hk 1l>v/2J.
SIGNATURE OF APPUCAN'f rflJrc~",-- g....
DATE C):4-obe!l.. I b .;2cCZ?
STATE OF FLORIDA
COUNTY OF COLLIER
The foregoing instrument was subscribed and sworn to before me this
/ & day of Odok
20 Of, by fJtULr:P~07t-
( Name of person acknowledging)
produced 'flu.uJt...lllj"i/~0le."J<. as identification and who did.
~~
who is personally known or has
SIGNATURE OF NOTARY
~ -1h~N
pRINT NAME OF NOTARY
NOTARY PUBLIC COMMISSION # 1() (p 6~IpJC;
NOTARY'S SEAL
COMMISSION EXPIRES:
Nfl, If, li:J II
I
"~~~!;.t~~,, LAURA SCHNEIDER
l'iim'" (ti'~ Notary Public - State of Florida
~. '" : . ~ My Commission Expires Mar 28. 2011
~~.>. l:JI?:~i Commission # DO 656615
"'!;,Cff.r:;,"" Bonded Through National Notary Assn.
4
AFFIDAVIT
: hereby certify that I have read and understand Code of Laws and Ordinance Chapter 142,
'Vehicles for Hire" and if I am granted a Certificate to Operate I will fully comply with its
provisions.
~ij!~~
(Signature of Applicant)
IPA-vL ~ poU/J1f/l- V/C.
for Certificate to Operate is true.
swear or affi.rm that all information on this Application
~ t:?3d- I).
(Signature of Applicant)
STATE OF FLORIDA
COUNTY OF COLLIER
The foregoing instrument was subscribed and sworn to before me this cc-+obljL. I" .}. e 03
OA . , \ CD' (Date)
By ~ " UJl eA tJ~, who has produced Plo ,,; J.... ~<U f)~ U ('<seAL-
(Name of person acknowledging) (Type of identification)
As ide2: anI:; =e an oath
~~ SL hn(;'cUr
Print of Notary
Signature of Notary
NOTARY'S SEAL
Commission Expires
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~. . E My CommlSSlOll Expires Mar 28. 2011
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Notary Public Commission # ~ f) ~ 6wlPI6
5
COLLIER COUNTY GOVERNMENT
CRIMINAL mSTORY I BACKGROUND VERIFICATION REQUEST FORM
Date:
Pursuant to provisions of Chapter 119, F.S., and procedures outlined under Rule
Chapter IIC-5, FAC., we request a criminal history record (convictions and arrests)
check of your flies.
Criminal history background check will be performed in this office. Please fill in the
blanks.
Name: lliuL E&"~IJL
First Middle (full)
Address: i a. . ',llla.1 J.?fL. Gf-
(Number & Street)
Social Security No.: I ~ ~ If 9
.~ llev2&-
Last
-'Cft1..
Maiden
l\'.~ 1:5 lo.r-uoL
(City)
''jS-.~ '=- DL No.:
DOB: 3/~( { "'-
Height: ~'(
Sex: 1\1\
Weight: I 8' g' lbs.
-
Age:)#-
Eye: \? aLii .... ;-
(Color)
Race: \A.,l
Hair: I?L~c..\'-
(Color)
9
Name: i -e-+.e fL
First
~
'B-e-,~
Last
Maiden
Middle (full)
Address: 5? t;'l \20 .G,,J c.<-f' C'\A- ~ '<C4R..
Number & Street City
Social Security No.: >u> SY <{ f ').:2---
DOB: fo-1' ~ ~ Sex: V\
Height: ~ I ( ( Weight: b \ 0 lbs.
~, 5iL'f~
State Zip Code
DLNo.: ~~'2-0 '1{ 5~ ~1- 0
./
Age:!2Y Race: c"
f> Hair: G'
(Color) (Color)
Eye:
D STERLING
CONSENT AND DISCLOSURE
LOCATION
,nd"",t"'" that come, CO"nty Code Enfo""ment will ""Iize the _ of STERLING TESllNG SYSTEMS, INC., 249 West 17th $...., New
xi<, NY 10011, as part of the proced"re foe p,oce"lng my PVAC d_ Id a""I;catIon. I alsO """""tand · my application Is grented, C~lie' County
ode Enfomement may obtain furthe< infonnation through s"","""ent i""estigations by STERLING TESllNG SYSTEMS, INC so as to update, renew
. extend my PVAC driver Id.
"nde",1and a "",sume, ,eportlng agencis investigation may inclooe _ini", infannation _ring "P to the last seven (1) yea'" regaroong, among
II"" iiams, references, "'acaele', deM"" re"'ro, past employment wack hablls, ed"cetion, gene"" "",",""on, pe"",nal "'acaeleristios, .- ~
"ng, judgment "'" i1ens, subject to state and fedecai law. The inves'gation also may indude _Ining infonnation relating fa _Inal ca""ds witho",
Iny time limitations, subject to state and federal law.
n the event an InvestigatNe consumer ceport is cond "cted , I "nde",tand such Infa""a'on may be _ined by """,anal inteNlews with my
"""intances or associates 0' with othe'" whom I am acq""nted or who may have knowledge ",neemlng my "'acaeler, gene"" reputation, pe",anal
ohacaelecis1\cS or stand,", of 1M",. I "ndecstand su'" info""a,on may also be _ined through direct 0' indirect "",tact with fa""er amploye"',
schools and public agencies or other persons who may have such knowledge.
i "n"""'tand that I """" the right to cecelve ""'ce abo", the natuce and soape of any Investigative """umer repart req"ested within five (5) days afler
the Company receives my request or five (5) days after the investigative consumer report was requested, whichever is later.
@ By fill\ng In this drcJe, i Indicate that I wish to receNe further disclosure about the """,re and scope of any Company request fa' an
investigative consumer report.
I acknowledge that I have received the attached summary of my rights under the Fair Credit Reporting Act.
I alsO understand that _,e my application ~ denied based, in whole or part, on infa""ation _Ined In the investigatNe cons"""r ceporl. I will be
p,""de<! a ",py of the report and a description In writing of my rlgh~ unde' the Fair C,ed> Reporting M. I "nderstand · I d~ag"", with the aocuca",
of any in_a'on in the report, I most no'fy Collier CO"nty Code Enfoecement within tive (5) bus;ness days of my receipt of the report, III notify
Collier County Code Enfa,cemenl within five (5) boslness days of the rece;pt of the cepart thaI I am "'ailenging Infa""a'an in the _rt, C~11er Co"nty
Code Entorcement wiJl nol make a fina' decision on my applloation status "ntii afler I have had a ceasenable ""po<tun;ty to address the Infa""atioo
contained in the report.
I heceby ",nsonl to this Inves'ga,on and acrthOri'" COme, CO"nty Code Enfamement to prowre an Investlga've "",sumer report on my beokgro"nd
" stated above _ STERLING TESTING SYSTEMS, INC. In oro'" to ve<ify my Identity fa, p""",ses of the beokground investigation i am
voluntarily releasing my date of birth for my own benefit and fully understand that age is not a consideration of the application process.
lO \ "3 Q1LILl q \ S \0 \
Date of Birth (MMlDDNY)
I~IAI l Ul r I \ I~ [Elct~ II
[ ta~\'""1 \ I 1 1 LUl I I \ ~ ~ l I ~ Mid[jme/lnO
=- ~ By :.:::=: Ma. Fem"
[) b-15-1tlDiC le-JglUU I~ \~ nc:lt I J ]1 L \ -\ J [ I I
~ce'" ~ - #yrs al tho addce"
~~II1L~I\c.::I\D \'rt5ll \CI II\JaIU I ~ ~ O\i{1tl.:f,l2:1 I IU
~31~",';-rele- LI la Fill I vi ~NT1 I ~ ~ 1_ I, I 1 #yrsWdres,
L V\ I {} lr'::J L f011f s II I 0-. ~ ClIO OJ 'I I I 1.'t.1il-1 \0
city ~ State Zip Code
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TJ;:to~ {fUJ ~ __ &ate /0 I ;~/7i"'NO
S~natuce Date' I
Minnesota & Oklahoma applicants Only: I have the right to request a copy of my consumer report from Sterling Testing Systems, Inc. by
checking the box below. Sterling Testing Systems will mail the consumer report directly to me. Minnesota Applicants Only: I have the right to make
a written request to the consumer reporting agency to provide me with a complete and accurate disclosure of the nature and scope of the consumer
report.
~ I wish to receive a copy of the consumer report. (Check box only if you wish to receive a copy)
I.TE
Social Security Collection Information
Sterling Testing Systems, on behalf of the Collier County Code Enforcement
Department, a department of the Collier County Govemment Agency, is
authorized to collect your Social Security Number for the performance of its
duties and responsibilities as prescribed by law. Your Social Security Number
shall be collected for one or more of the following reasons:
1 . Obtain information relating to criminal records
2. Run Social Security Trace Search
3. Search Sexual Offender Database
4. Run Motor Vehicle Search
Your Social Security Number will only be collected and disclosed for these listed
purposes, and as may otherwise be authorized by law, and once collected, will
be maintained as a confidential and exempt record under Chapter 119, Florida
Statutes, by this company and the Code Enforcement Department on behalf of
the Collier County Government Agency."
ffl-L.JL PDI{Q~
I have read and understood the paragraph
)b/lb/6r-
Date ( /
Social Security Collection Information
Sterling Testing Systems, on behaW of the Collier County Code Enforcement
Department, a department of the Collier County Govemment Agency, is
authorized to collect your Social Security Number for the performance of its
duties and responsibilities as prescribed by law. Your Social Security Number
shall be collected for one or more of the following reasons:
1. Obtain information relating to criminal records
2. Run Social Security Trace Search
3. Search Sexual Offender Database
4. Run Motor Vehicle Search
Your Social Security Number will only be collected and disclosed for these listed
purposes, and as may otherwise be authorized by law, and once collected, will
be mainteined as a confidential and exempt record under Chapter 119, Florida
Statutes, by this company and the Code Enforcement Department on behaW of
the Collier County Government Agency."
f eJ-6 (l.- ~e ~ave read and understood the paragraph
/O~~/rrf
Date ( I
.t/~.~
i nature of applicant
October 17, 2008
To Whom It May Concern:
I am a professional photographer with thirty years experience in family and wedding
photography. I have Jived and worked on Marco Island for the past twelve years.
I do family portraits for the local Hilton Grand Vacation Resort and the Marriott Hotel.
The local resorts are lacking activities and by popular response would enjoy a trip to
South Beach to shop and have lunch and their return back to Marco Island for their
beach family portrait.
I feel with the lack of activity and a desire to see South Beach Miami this will be an
exciting day trip for our visitors to Marco Island and a chance to visit the Naples area.
~~
- Peter Berec
Marco Island Photography
October 15,2008
AAfordable Tours
Naples Code Enforcement
To Whom It May Concern,
My name is Paul E. pollara Jr. I have lived in Collier County for 10 years
and reside on Marco Island. I previously lived in Ocean County, New Jersey
and operated a successful General Contractor Business for approximately
15 years. I built over 80 homes during that time, opened and operated a
Famous Amos Cookie Franchise which consisted of 40 supermarket
accounts and various small accounts in a protected territory considered
Ocean County, N.J.
I sold the business after 2 years and opened a Ice Cream store, Country Barn
Ice Cream store in Bayville, New Jersey. My wife and I operated that
business for approximately 2 years and sold the business during this time.
I continued to build homes. I also built and operated a 16,000 sq ft shopping
strip center. We sold the center and bought a Condominium in Marco
Island, Florida with my wife and 3 children.
I opened Florida Home Inspections which I operated for 5 years, but due
To the decline of the housing market and influx of so many other Inspection
Businesses, this has slowed to a halt.
My association with Peter Berec and other business associates of mine here
F eel the need for a Company to be able to offer tours to the East Coast for
the day, and Downtown Naples at night. Mr. Berec has been associated
With The Marco Island Marriott, The Charter Club, and The Hilton for
many years. With both our previous business interests and personalities
and dealing with people directly, this would be an absolute asset for Marco
Island and Naples offering services that we would most importantly enjoy
doing.
f~f~
Paul E. pollara Jr.
October 15,2008
Managers List
(AAfordable Tours)
Paul E. pollara Jr.
Peter Berec
.
r.J!:.'6J!/fiij
--
. . , '
October 16, 2008
To Whom it May Concern,
RE: Peter N Berec
Mr. Peter Berec was a business aud personal with wachovia Bank N.A. His accounts
Are in good standing and has been an established client since 2000.
lrr: should have auy questions please feel free to contact me at 239389-3009.
~r
Person Banker
Marco land Office
(2_f5~
Peter N. Berec
WACHOVIA
STATEWIDE MORTGAGE C.ORP.
.r;
October 16,2008
To Whom It May Concern:
Mr. peter Berec has been a very good client of Statewide Mortgage. Through the years 1
have gotten to know Mr. Berec personally as well. His
character and honesty have been impeccable. I would recommend him highly and
support him in any venture where trust is an issue.
If I can be of any further assistance, please do not hesitate to call me.
'.\ Bcs;egards0.. ......
~ ~~ D(~
)1~s M. Bauries
President
1106% N. Colliee Blvd. Ste. #104 . Macco Island, FL 34145 . (239) 393-0006 . Fa" (239) 393-0199 . (8001856-2615 -
E-mail: statewidemtg@earthlink.net
RAYMONDJ~
10/16/2008
TO WHOM IT MAY CONCERN,
PLEASE BE ADVISED THAT PAUL POLLARA OF 1258 TREASURE CT. MARCO
ISLAND FLORIDA 34145 HAS NUMEROUR ACCOUNTS WITH RAYMOND
JAMES ASSOC. HE HAS BEENA CLIENT FOR ABOUT A YEAR AND I HAVE
KNOWN PAUL PERSONIL Y FOR 4 YEARS.
I MET PAUL WHILE VOLENTERRING AT THE LOCAL SCHOOL WERE OUR
CHILDREN ATTEND,MARCO ISLAND CHARTER MIDDLE SCHOOL.
VINCENT MAGEE
!~/t ..
,I +
~/
{VICE-PRESIDE T INVESTMENTS
-------
Raymond James & Associates, Inc.
Member New York Stock ExchangeJSIPC
Island Towers . 606 Bald Eagle Drive#401 · Marco Island, FL 34145
?~q-393-0970 . 866-343-0882 Toll Free · 239-393-2135 Fax
il7Fifth Third Bank
Fifth Third Bank
650 E Elkcam Cir
Marco Island FL 34145
October 16, 2008
To Whom It May Concern:
Please be advised that Paul E po !lara 00258 T feasure Ct Marco Island Florida 34 145
bas numerous accounts with Fifth Third Bank. He has been a customer since November
13, 1998 and bas estabJisbed cbecking, savings, and mortgage accounts with Fifth Third
Bank. His accounts are in good standing and he is current on all loans. If you have any
questions, please do not hesitate to contact me.
Sincerely,
~~
Laura Schneider
Personal Banker
Marco Island Branch
239-393-6627 direct
'nuaLC~e.::itREporLcom
> Return to AnnualCreditReporLcom
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'ETER N. BEREC, 04.
.ource: TransUnion
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Personal Information
File Number: 196940562
Date issued: 10/17/2008
Other Names: PETER N. EREC
Telephone
320-54-4822
06/1956
393-0990
Name:
PETER N. BEREC, 04.
SSN:
Date of Birth:
You have been on our files since 08/1975
CURRENT ADDRESS
PREVIOUS ADDRESSES
Address:
859 ROBIN CT.
MARCO ISLAND, FL 34145
Date Reported: 02/2003
Address:
1083 N. COLUER BV., #201
MARCO ISLAND, FL 34145
Date Reported: 12/2006
Address:
1147 VERNON PL.
MARCO ISLAND, FL 34145
EMPLOYMENT DATA REPORTED
Employer Name: MARCO PHOTO GRAPHIC ART
Date Reported: 10/2005
Position:
Date Hired:
10/2005
Employer Name: MARCO ISLAND PH
Date Reported: 08/2005
Position:
Date Hired:
Employer Name: MARCO IS PHOTOGRAPHY
Date Reported: 07/2005
Position:
Date Hired:
OWNER MGR
Employer Name: BEREC STUDIOS
Location: BARTLETT, IL
Date Reported: 06/1989
position:
Date Hired:
Special Notes: If any item on your credit report begins with 'MED1', it indudes medical information and the data following 'MED1' is not displayed to
anyone but you except where permitted by law.
Public .Ilecords
The following items obtained from public records appear on your report. You may be required to explain public record items to potential creditors. Any
bankruptcy information will remain on your report for 10 years from the date of the filing. Unpaid tax liens may generally be reported for an indefinite
period of time depending on your state of residence. Paid tax liens may be reported for 7 years from date of payment. All oth'er public record information,
10/17/21
ps://annualcreditreport. transunion. com/products/ single/viewReport.j sp?tcMessengerOpted=no
discharged chapter 13 bankruptcy, remains for up to 7 years.
lER COUNTY CIRCUIT C Docket# B3359P3398
Type: paid Federal Tax Uen
court Type: Recorder Of Deeds
Date paid: 07/2005
.MIAMI TRL E
.6
, FL 34101
74-8800
lted date that this item will be removed: 06/2012
Date Filed:
Responsibility:
Plaintiff:
Amount:
08/2003
Individual
IRS
$37,266
,"""'"' """..""" ","""""' "lj".,.~e "" m,,,,,"6." ,...,"'" ""m p"~< re<"''' ,,,., ,pP~'" "" y,,"' _rt. '''' ,,,,,,..,,,,"" ...
,," ""m 'M """",,,,' O'"~ " ",. ,"o.m""''' "" Slate ,..clfied ,."". N'"' of "'''' ,_ "'""''' "'''''' ,,"""""""' ""y '" ,'mp~ '
, of the "",,,,,,nO' flie' " ",e ..",,,lo" Qffi<e '" "em'" y'" ,~".,. ,Ie "" "",,,,,,,e,
lustable Rate MOrtQlgelnformation
BLIC RECORD MORTGAGE DETAILS
order's Office: Origination Date:
UER. FL
12/2005
JBLIC RECORD MORTGAGE DETAILS
corder's Office: Origination Date:
,LLlER. FL
08/2006
UBLIC RECORD MORTGAGE DETAILS
ecorder's Office:
OLUER, FL
01/2007
02/2012
02/2012
Monthly
06
UB
30
Origination Date:
Initial Rate Adjustment:
Next Rate Change Date:
Rate Change Frequency:
Rate Change Interval:
Index Type:
Look Back period (daYs):
Account information
Loan Amount:
$277,425
Loan Amount:
$832,500
Loan Amount:
Initial Interest Rate:
Rate Calculation Change:
Change percent Limit:
First Rate Change Cap:
Maximum Rate:
combined Loan to Value:
Interest only:
$392,000
7.500%
2.250%
1.000%
1.000%
12.500%
102.200%
yes
Ii'A X
Not Un\nOWTl
Applicable
m m 1m LiB
cunent 30 days 60 days 90 days 120 days
\ate \ate \ate \ate
The key to the right helps explain the payment history information
contained in some of the accounts below. Not all accounts will contain
payment history Information, but some creditors report hoW you make
payments each month in relation to your agreement with them.
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> "',"""< '" . ,ho'" "', y""' ",,,,,,,,,,e"', '" h.,p yo" "ede"""" yo" "",n, TheY'" "'" "',.",,,, '" ,he"" "'i'.ey "', ,,,,,"''''. """" ",e
account # may be scrambled by the creditor for your protection).
AdVerse ACcounts
AMERICAN HOME MORTGAGE #31489974
Pay Status:
Account Type:
Responsibility:
Date opened:
>90 Days Past Due<
Mortgage Account
Individual Account
01/2007
pO BOX 3050
COLUMBIA, MD 21045-6050
(877) 304-3100
Balance:
Date updated:
High Balance:
collateral:
Past Due:
Terms:
$392,000
06/2008
$392,000
Fannie Mae 1703670164
>$9,145<
$2,922 for 360 monthS
Loan Type: conventional Real Estate Mt9
>Maximum delinquency of 90 days in 06/2008 for $9,145<
Estimated date that this item will be removed: 03/2015
Late payments
16 months
ell m MonthS
1pS:// annuatcreditreport. transunion. comlproducts!singtelviewReport.j sp?tcMessengerOpted910
Last 16
mil 0 m:HD m:J m:J t!lJ ti'l3 m Gl3 m3 X S3 X m3 m
rrSf iipi' mar teb '08 dec nO'l oct sep aUI jul jun IIWf ape mar teb
10/171
UCAN HOME MORTGAGE #31497720
1< 0
( 3050
.BIA, MD 21045-6050
304-3100
Balance:
Date updated:
High Balance:
Past Due:
Terms:
$48,694
06/2008
$49,000
>$1,718<
$550 for 360 months
Pay Status:
Account Type:
Responsibility:
Date opened:
>90 Days Past Due<
Mortgage Account
Individual Account
01/2007
Type: conventional Real Estate Mt9
imum delinquency of 90 days in 06/2008 for $1,718<
lated date that this Item will be removed: 03/2015
payments
5 months
ImfD
,>1< 0
Last 16
Months
mmmtDmaGl3tmlm3mJtitlmxmxmG3
rmti ilpr mar leb . 08 dec no" od sep 8US jul jun IfVIf ilpr mar Ieb
.pITAL ONE BANK USA NA #5291077327735184
Balance: $0
Date updated: 09/2008
High Balance: $1,180
Credit Limit: $800
Past Due: $0
Pay Status:
Account Type:
Responsibility:
Date opened:
Date paid:
paid or paying as Agreed
Revolving Account
Joint Account
08/1997
07/2008
FIfTH THIRD BANK #856472626
3 30281
_T LAKE C1TY , UT 84130-0281
10) 955-7070
)an Type: Credit Card
ate payments
48 months
'ZZlmG1
>1< 0 0
Last 48
Months
38 FOUNTAlN SQUARE
MAlL DROP 1COM65
ONONNATI , OH 45263
(800) 972-3030
Loan Type: Automobile
Remark: Account closed by consumer
Late payments
15 monthS Last 15
~milfD
>3< 0 0
MonthS
mmmmwwmmwmmmmmwwwmmmmmmm
.... io' ... ... "'" "",'" '..."... od .. ... io' j.. ... "'" -... '<r1 "'" ... ad ...
mmmmmmmmmmmmmxmxmxmxmmmm
... jol ... _ .,. _... ... "'" .~ od .. ... jol ;on ... '" "'" ... 'OS." no< ad ..
Balance:
Date updated:
High Balance:
Past Due:
Terms:
$0
09/2005
$11,549
$0
$367 for 36 months
pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
paid or paying as Agreed
Installment Account
Individual Account
04/2004
09/2005
un mJ m m3 mJ tIl3 m m rn €";] m m3 GJ m m3
BUS jul jun IfVIf apr mar teb 'O~ dec no" od 5ep ilug jul jun
fIRST AMERICAN BANK #500486011205
Pay Status:
Account Type:
Responsibility:
Date opened:
>120 Days past Due<
Installment Account
Individual Account
12/2005
12333 UNIVERSITY
CUVE , IA 50325
Phone number not available
Balance:
Date updated:
High Balance:
Past Due:
Terms:
$274,162
10/2008
$277,425
>$9,420<
$1,352 for 36 monthS
Loan Type: Secured
>Maximum delinquenCY of 120+ days in 09/2008 for $5,552<
Estimated date that this item will be removed: OS/2015
...teP"""" ...".. .Dlmmmmmmmmmmmmmmmmmmmmmm
"m'..... .. ... jul ... ... ... _... ....".~ ad ... ... jul ... ... "'" -... '<r1." - ad
rn mil is MonthS m3 m3 m:I tmJ m:I
>1< >1< >2< sep 8uI jul jon I'Mf
INDYMAC BK HOME LN SVC #6681008174573
10/17
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TRICE DR
00 , MI 49009-9559
.-7399
Balance:
Date updated:
High Balance:
Past Due:
Terms:
$826,LlSU
10/2008
$832,500
>$34,459<
$5,743 for 360 monthS
Account Type:
Responsibility:
Date opened:
'''lV1'''!::\I'''~-' .-
Individual Account
08/2006
pe: conventional Real Estate Mt9
:: >Foreclosure initiated<
um delinquenCV of 120+ days in 08/2008 for $22,972<
ted date that thiS item will be removed: 04/2015
~_ ..mmm~~~~~~~~~~~~~~~~~~~
..""" ..s< 25 ... ... jol jw> ..., ... _... 'OS'"... ... ... ... jlll ... ..., '" -... '07 do< ... ...
tm m MonthS m3
>1< >3< sep
isfactOry AcCOunts
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IERlCAN EXPRESS #3499915617990083
Balance: $0
Date updated: 10/2008
High Balance: $76
past Due: $0
Pay Status:
Account Type:
Responsibility:
Date opened:
Date paid:
paid or paying as Agreed
open Account
Individual Account
04/2008
08/2008
30):. 981537
.pSO , TX 79998
0) 874-2717
an Type: Credit card
lte payments
4 monthS
TIlZllm
000
Last 4
MonthS
m;HiIJ ti:l3 GJ
sep IIUS jul iun
~MERlCAN INVESTMENT BANK #855012145
pay Status:
Account Type:
Responsibility:
Date opened:
paid or paying as Agreed
Installment Account
participant on Account
08/2002
po 60):. 510083
SALT LAKE CTY , UT 84151-0083
(801) 297-1975
Loan Type: Recreational Merchandise
Late payments
8 monthS
E3mfD
o 0 0
lastS
MonthS
Balance:
Date updated:
High Balance:
past Due:
Terms:
08/2003
$5,438
$0
$143 for 60 monthS
m:l ID3 G3 m3 G3 mJ titHE.'.!
jul jun m;!If ilPf mar feb . 03 dec
CAPITAL ONE BANK USA NA #5178052165546637
Balance: $0
Date Updated: 10/2008
High Balance: $603
Credit Limit: $500
past Due: $0
pay Status:
Account Type:
Responsibility:
Date opened:
Date paid:
paid or paying as Agreed
Revolving Account
IndiVidual Account
03/2002
10/2008
POB 30281
SALT LAKE CITY , UT 84130-0281
(800) 955-7070
Loan Type: Credit Card
Late payments
48 monthS
rom-
o 0 0
Last 48
~~~~~~~~~~~~~~~~~~~~~~~~
... ... jo' ,.. _ ... _... 'OS "" ... ... ... ... jol ... _ ... -... '., "" ... ...
~~~~~~~~~~~~xxx~x~x~~~~~
"" ... jut ... _ ... _... '.. "" ... ... "" ... jol jw> ..., ... _ lob '0' do< ... ...
MonthS
CBUSA/SEARS #5049941391627186
Balance:
Date updated:
High Balance:
Credit Limit:
Past Due:
$0
09/2008
$2.204
$3.200
$0
Pay Status:
Account Type:
Responsibility:
Date opened:
Date paid:
paid or paying as Agreed
Revolving Account
Individual Account
09/2007
07/2008
ips:jj annualcreditrepOrt.trllI1Sunion. com/products! SinglelviewReport.jsP?tcMeSSengerOpte<!910
8725 W SAHARAAVF.
THE LAKES, NV 89163
(800) 917-7700
l.oan Type: Charge Account
Late payments
11 monthS
Last 11
m3 G3 m:HD G3 ti13 mJ m mJ GtJ mJ
alii jul jun II'6If iipi' mar leb . 08 dec nll'll od:
lOI1~
Months
::1mi1
) 0
;E CHA #1004005710471
: 7030
AI 85216-7030
!18-2400
Type: Charge Account
Irk: Closed
payments
, monthS
Last 31
MonthS
ram
o 0
Balance:
Date Updated:
High Balance:
Credit Limit:
Past Due:
$0
04/2008
$5,035
$5,000
$0
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
Date paid:
paid or paying as Agreed
Revolving Account
participant on Account
10/2005
05/2007
09/2006
~~~~~~~~~~~~~m~~m~~~~~~~
'""' lob ... dK ... ... ... ~. i-" i"" _ ... '""' lob '., d" ... od ... -.. ;.' ,,- - ...
m:u!tJ m3 t'itJ G] m3 t!13
mar feb . 06 dec nO'l' oct sep
~T AMERICAN BANK #70000000050048601
Balance: $0
Date Updated: 04/2006
High Balance: $277 ,425
Past Due: $0
Terms: $1,997 for 36 months
33 UNIVERSITY
liE , IA 50325
5) 440-6974
an Type: Secured
lmark: Transfer
ilte payments
2 months
wmID
o 0 0
Last 2
MonthS
mS3
mar feb
~IRST AMERICAN BANK #70000000000500486
Balance: $0
Date updated: 12/2005
High Balance: $100,000
Past Due: $0
Terms: $0 for 36 months
12333 UNIVERSITY
CUVE , IA 50325
(515) 440-6974
Loan Type: secured
Remark: Closed
Late payments
4 monthS
DrBm
o 0 0
Last 4
x E::H~I] G3
nO'l' oct sep lIug
Months
FIRST NAT'L BANK OF FLA #78441701
4025 RADIO RD # 2N
NAPLES, FL 34104-3701
(800) 262-7600
Loan Type: Automobile
Remark: Closed
Late payments
3 months
rnmm
o 0 0
Balance:
Date updated:
High Balance:
past Due:
Terms:
$0
05/2004
$12,012
$0
$380 for 36 monthS
Last 3
m3 t~tHiI:J
lip" rnIIr feb
MonthS
FIRST UNION NTL BANK #1601050911
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
Paid or paying as Agreed
Installment Account
Individual Account
12/2005
04/2006
pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
Paid or paying as Agreed
Installment Account
Individual Account
09/2005
12/2005
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
paid or paying as Agreed
Installment Account
Individual Account
01/2004
05/2004
10/17/
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... j., jun ..., ... _... ... do< .0< .d ... ... ju' ;on ..., ... ..., ... ... do< ... od ...
rororororororororororomrorororororororororomm
... od ... ... j., jun ..., ... _... ...."... od ... ... ju' ... ..., ... - lob .", do<
rorororororomrororomroromrororomroro
... od ... ... jol ... ..., ... -... '0' do< ,0< od ... ... ju' ... ..., ...
SALEM, NC 27102
nber not available
8alance:
Date Updated:
High 8alance:
past Due:
Terms:
$0
OB/2001
$2,509
$0
$42B for 6 monthS
pel secured
: Closed
lyments
onthS
~m
o 0
Last 9
m::1tD S UJJ t!r.:H~3 m3 S3 m3
jul jun II\ll'f apr mar lab . 0 1 dac nO't
MonthS
~ONT INVESTMNT &.l.OAN #6000047707
8alance: $0
Date updated: 04/2003
High 8alance: $265,500
past Due: $0
Terms: $1,B02 for 360 monthS
~ GUA511 RD
00
RIO, CA 91761
776-7511
, Type: conventional Real Estate Mt9
lark: Transfer
e payments
3 monthS
lmS
) 0 0
x m:HlD
mar tab '0'3
Last 3
MonthS
OMECOMING fINANCIAl. NET #435459276
8alance: $0
Date updated: 07/2005
High 8alance: $265,500
past Due: $0
Terms: $2,257 for 360 monthS
/11 N HASKELL AVE
ulTE 1000
ALLAS , TX 75204-2911
BOO) 206-2901
I..OCIn Type: conventional Real Estate Mt9
Remark: Closed
Late payments
25 monthS
€I:1imGi1
000
Last 25
MonthS
HSBC BANK #5489555102303932
$89
09/2008
$884
$1,500
$0
PO BOX 5253
CAROL STREAM, IL 60197
(800) 477-6000
8alance:
Date updated:
High 8alance:
Credit Limit:
past Due:
Loan Type: Credit card
Late payments
48 monthS
E)mS
000
Last 48
MonthS
HSBC RETAIL SERVICES #712013205448220
8alance: $0
Date updated: 12/2003
High 8alance: $12,870
past Due: $0
POB 15521
WILMINGTON, DE 19B05
(800) 695-6950
Loan Type: Charge Account
Late payments
44 monthS
mmGi1
o 0 0
Last 44
MonthS
REGIONS BK DBA AMSOUTH #9002928363
Account Type:
Responsibility:
Date opened:
Date Closed:
111",~"'''.'.-. .
Joint Account
01/2001
08/2001
Pay Status:
Account Type:
Responsibility:
Date opened:
Date closed:
paid or paying as Agreed
Mortgage Account
participant on Account
01/2003
04/2003
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
paid or paying as Agreed
Mortgage Account
participant on Account
01/2003
07/2005
Pay Status:
Account Type:
Responsibility:
Date opened:
paid or paying as Agreed
Revolving Account
Individual Account
12/2001
pay Status:
ACcount Type:
Responsibility:
Date opened:
Date paid:
paid or paying as Agreed
Revolving Account
Joint Account
08/1997
11/2003
1 0/1'
:tps:llannualcreditfepOrt. transunion.comJprodnctsl singlelviewRepOrt.i sp7tcMessengetCJpted=no
VI CREDIT IHC #823640772
.1007
HAM . AL 35288-0002
4-4667
fpe: Automobile
ayments
nonthS
~fD
o 0
Last 36
MonthS
IMEDALLIO #12066940
PICKETT ROAD
T JOSEPH, MO 64503
) 392-8308
n Type: Automobile
:e payments
27 months
?,l~m
J 0 0
Last 27
MonthS
333 WAUKEGAN RD
.EERFlELD , IL 60048
800) 428-4034
Loan Type: Auto Lease
Late payments
47 monthS
t9fD
000
Balance:
Date updated:
High Balance:
past Due:
Terms:
$9,776
09/2008
$23,793
$0
$519 for 54 monthS
Account Type:
Responsibility:
Date opened:
lnsLGUIII........... .-
Individual Account
09/2005
~~~~~~~~~~~~~~~~~~~~~~~~
... jot ... _ '" _... ...."... ... ... ... jul ... - .. ...,... '01""'" ... ~,
S3G3tit1S3tDmJE3m3m3ID3tDGJ
aut jul jun fIVfI/ lip!" mar teb . 06 dec ItO't oct sep
Balance:
Date updated:
High Balance:
past Due:
Terms:
pay Status:
Account Type:
Responsibility:
Date opened:
paid or paying as Agreed
Installment Account
Individual Account
08/2002
01/2006
$5,438
$0
$138 for 48 monthS
~~~~~~~~~~~~~~~~~~~~~~~~
"" .~ ... ... .., jul ... _ .. _... '0' II<< ... ... ... .., jut ... ..., ... - ... ...
X X tD
dec ItO't oct
Balance:
Date updated:
High Balance:
past Due:
Terms:
pay Status:
Account Type:
Responsibility:
Date opened:
paid or paying as Agreed
Installment Account
Joint Account
12/2001
10/2005
$12,950
$0
$270 for 48 monthS
Last 47
~~~~~~~~~~~~~~~~~~~~~~~~
... .., jal ... _ ." _ ... '0' "" ... ... ... .., ju' ... - ... - ... ...." ... ...
~~~~~~~~~~"""'~~~~~~
... ... jut j" ..., ... _ ... .'" "" ... ... ,op .., ju' ... ..., ... - lob '02<"'~
MonthS
Regu\ar \nquiries
1M follOW'"' rom,,,,,, ".. ~re""d yO" a"'" _". ThoJ' ".."" ",.", .. yo.' ,.... ~"'" "" twO y"~'
permiSsible purpose: CREDIT TRANSACTION
407 W ACHOVU> t40RTGAG via WACHOVlA MORTGAGE FSB
4101 WISEMAN BLVD ...- 0", 03/1112008
MAlLCOD' '1)(1664 '....,.., Tyl"" ",;."...1
SAN ANTONIO, TX 78251
(210) 624-5141
SOUTH TRUST fUNDING via NETWORK CREDIT SERVICES
1463 o_aD DRtV ......... 0" 02l2S/200ll
sum 138 "quirt TyP" 1",,,,,,,1
BRANDON, FL 33511
(813) 685-5678
STATEWIDE MTG GROUP via CREDIT BUR ASSOC FILES
tv exfCUTl'" CAMPI! ....u..... 0" 02l13/200ll
sum 200 "quirt Type' ,,'",""
CHERRY HILL / NJ 08002
(856) 532-6510
WACHOVlA t40RTGAGE CO via NCO CREDIT SERVlCES
101 DV'RIJ>J'D ...- 0.. 021 121200ll
NORTH AURORA / IL 60542 Inquiry Type: Individual
(630) 897-6700
407 W ACHOVIA t40RTGAG via WACHOVlA t40RTGAGE FSB
4101 WISEMAN BLVD Requested on: 01/10/2008
MAlLCODE TX1664 Inquiry Type: Individual
SAN ANTONIO, TX 78251
(210) 624-5141
permiSsible purpose: CREDIT TRANSACTION
permissible purpose: CREDIT TRANSACTION
permiSsible purpose: CREDIT TRANSACTION
permiSsible purpose: CREDIT TRANSACTION
permissible purpose: CREDIT TRANSACTION
STATEWIDE t40RTGAGE C via LANDSAfE CREDIT
1515 WALNUT GROVE ReqUested On: 01/09/2008
RM-162 Inquiry Type: Individual
ROSEMEAD , CA 91770
(800) 447-1692
10/1
tpS:llannualcreditrepOrt.trallSuniOlLCOmlprOdUctslSinglelviewRep<>rt. jsp?tcMessengerOpted91D
'WIDE MTG GROUP via CREDIT BUR ASSOC fILES
""" CAM'" ........... 0", 12/13120CJ7 .....-.. ..'PO'" cREDIT ,--.--..
o Inquiry Type: Individual
rlILL, NJ 08002
2-6510
tlCAN DREAM LENDI via NCO CREDIT SERVICES
,1UAI'l0 .......... 0.' 1012512007 ......'- P.'-' CREOIT "fRANSACll,,"
AURORA, lL 60542 Inquiry Type: Individual
97-6700
(MAC BANK HOME LE via INDYMAC/INF01
,!ffi\ IJ'KE A'" .......... 0", 0610612007 ............. P.,,,..., cREOIT _CllO'
ENA , CA 91101 Inquiry Type: Individual
535-8033
3 THE MORfGAGE ZO via CREDIT LENDERS SVC AGENC
lOX S08 ........... 0.' 06102/2007 .....i...... p.,poOO' cREDIT "fRANSACll""
.RY HILL, NJ 08003 Inquiry Type: Individual
) 751-7400
~TEWIDE MTG GROUP via CREDIT BUR ASSOC fILES
)(ECunVE CAN'" ...._.. 0.' 0512912007 ...m'-" p.,,,..., cREDIT _CllDN
rE 200 Inquiry Type: IndiVidual
.RRY HILL, NJ 08002
5) 532-6510
IARCO ISLAND MORTGAG via NCO CREDIT SERVICES
11 OVEIUAI'lD .......... 0.' 0312812007 ...mi,sib" P....'" CREDIT 1RAN5J'CTlD'
ORTH AURORA, IL 60542 Inquiry Type: Individual
530) 897-6700
IDYMAC BANK HOME LE via INDYMAC/INf01
; NOR'" lAKE AVE .......... 0", 0412712007 ......i...... P.,,,..., CREDIT "fRANSI'C'l""
SADENA I CA 91101 Inquiry Type: IndiVidual
26) 535-8033
;T A TEWIDE MTG GROUP via CREDIT BUR ASSOC fILES
~ El<ECunVE CAN'" .......... 0.' 0311612007 ...ml..i." P....'" CREDIT 1RAN5J'CTlDN
sum 2l" ,...Irt Type' 1>,'Md'"
CHERRY HILL, NJ 08002
(856) 532-6510
AMERICAN HOME MORTGA via EOUlfAX MORTGAGE SERVICE
6E C16MENTON RD ........... 0.' 03IOSI2OO7 ............ P.,-' CREDIT "fRANSACllD'
Sf< A_ 2 ,....... Ty.,., ,""Md'"
GIBBSBORO , NJ 08026
Phone number not available
MARCO ISLAND MORTGAG via NCO CREDIT SERVICES
101 OVER""'D .......... 0.' 1111012006 .......-.. p.,po'" cREDIT _Cll""
NOR'" AURORA, IL .,542 ,....... Type' "d"''''''
(630) 897-6700
"" ",m,'.'" lI~ed ..,_ _""d YO" ..me, .dd_ "d ""''' "mi"d lOin""'';'' ,bo" y" ~ <hey"'" m.ke , ."" - of ,,..,." '",'~.~'
They die "" ,,,,,.e yM "''' "". ,."n. "'... I""'"~ ... .". ,... by "y'''' bUl y" ..d do 0""- you' a"" ,"'...
promotiona\lnqulries
BVD fINANCIAL DBA fAMILY
555 UNIVERSITY AVE ReqUested On:
SACRAMENTO I CA 95825
Phone number not available
06/2008
BARCLA YS BANK DELAWARE
125 SOUTH WEST STR Requested On:
WILMINGTON, DE 19801
(302) 888-1400
BARCLA YS BANK DELAWARE
125 SOUTH WEST STR ReqUested On:
WILMINGTON, DE 19801
(302) 888-1400
04/2008
04/2008
BARCLAYS BANK DELAWARE
125 SOUTH WEST STR Requested On:
WILMINGTON, DE 19801
(302) 888-1400
03/2008
:IpS:! I annualcreditreport.tranSunion. comfproductSi singlelviewReport. jsp?tcMessengerOpted91o
BARCLAYS BANK DELAWARE
125 SOUTH WEST STR ReqUested On:
WILMINGTON, DE 19801
(302) 888-1400
02/2008
10/1
12/2007
~ILE
. 38TH ST
:w I WA 98006
7-8997
Requested On:
~NTY ACTIVATION HEAD
ESSON FERRY ReqUested on:
.oUIS , MO 63128
76-5553
12/2007
iCENTURYINSURANCE
BURBANK BLVD Requested On:
LAND HLS ,CA 91367-6469
number not available
11/2007
tCLA YS BANK DELAWARE
.0uTH WEST STR ReqUested on:
INGTON I DE 19801
, 888-1400
11/2007
10/2007
40BILE
~O SE 38TH ST
_~EW , WA 98006
J) 937 -8997
Requested On:
ARAANTY ACTIVATION HEAD
!44 TESSON FERRY ReqUested On:
LNT LOUIS I MO 63128
)0) 376-5553
10/2007
INGULAR WIRELESS
) 60X 192830 Requested on:
/I..N JUAN I PR 00919-2830
787) 397 -5000
10/2007
Th' ",,"p'"'' Ii"'" ",loW ,""i"" iof_bO" ""m yw' ","'Um" ,opo<' "" "" p,,,,,,,,, ,f " -"" ~,... " """ bu""'" tr"="'" .... y'u.
Th'" i",uiri~ .~"o< ,,,pi"'''' '" .ny'''' bu' yW ", wi" "0<'- "y """"", ,.d'''" " '"v ""~ (- ",""",,, ",mp'"'" m.y "''' ",'"
to other insurance company inquirieS, where permitted by law).
Account Rev1ew \nquir\eS
CAP IT AL ONE BANK USA NA
pe
pOB 30281 Requested On:
SALT LAKE CITY, UT 84130-0281
(800) 955-7070
09/2008
CBUSA/SEARS
pe
8725 W SAHARA AVE
THE LAKES, NV 89163
(800) 917-7700
09/2008
ReqUested on:
AMERICAN HOME MTG SVCG
pe
3 ADA ReqUested On:
IRVINE, CA 92618-2304
(949) 790-3600
08/2008
ALLSTATE FLORIDA GLF RGN
pe
pOBOX 2000 Requested On:
CONWAY, AR 72032
(501) 342-2929
permissible purpose: INSURANCE UNDERWRlTlNG
10/2007
ConsumerStaternent
DO NOT COMBINE
(Note: This statement haS no expiration date)
Should you wish to contact TransUnion. yoU may do so,
Click here.
10/1
tps:llannualcreditreport. transunion.comfproductsl singlelviewReport.j sp?tcMessengerOpted910
By Mail:
)n Consumer Relations
000
PA 19022-2000
Ie:
.6-BBOO
i"," h,"~ '" V".' tim' "". '" ..'" ,.m. "' .,," p.m.. "",d" "ho.gh Frid". ""''''' ""Jo' holid'''. ~.." h"'" ,0.' ",,,,,,,,," ... ,.m'"
e (located at the top of this report).
Isumer Rights
"a Info.....acion en espano/, visne ww",.ftC.""~ · e_be a 'a FTC Consumer Response
enter, Room 130-A, 600 Pennsylva~'W" washington, D.C. 20580.
". ,.""a' Fa" 0<<1" Re.o""g Act (FCRA) "",motes "'e a""''''''' .."..... a,d privacY of '''''''''''''''' " "'e fll"
. ",,,.m" ,""om,g agood". Th",e are m"" typ" of ""..m'" ,""om"" agend", "d.dlng =<lit b.re'" ",d
,ped"tv .good" (..di " .geod" "'a' "111,10",,,"00 ,bO.' died< writ\,g hi""n". med,,,1 re""". ",d rental
,,,to,,, re<o,d.). He<e'" .omme'" of ,OU< ml>jo' ngh" .,d'" "'e FeRA. 1'0' ...,.info'm...... i.d.di.,
I............ .b..' .ddltl...' .ights, .. to ...... ."Co.ov / c"d'" ., ...... to Co....m.. R.....SO eo-',
R.." 130-A. f......1 ...... Co....,....., 600 ....syIV'." AV.., N...., ....hi...... O.c. 20580.
A summary of your R'ghts Under the Fair Credit Reporting Act
you must be told if information in your file has been used against you.
"yo,e who .s.. a credit '"""" 0' ",0"'''' type of co".m'" _rt to deoy yo., ,.plicat\OO 10' "edit. "....,<e.
0' em.'oY"'''''' __ 0' to take ",<>th'" .doe"" act\oo aga"" yo. .. m." tell yo.. "d m." give yo. "'e "me.
address, and phone number of the agency that provided the information.
You h.ave the right to knoW what is in your file.
Yo. m'V ""..., "d obta" .11 "'e 1.10",,'''0' alio.' yo. " "'e .,.. of a "".m'" re.o""g agen", (yo.' "...
disdo..re"). yo. will be "".1"" '0 ...vlde .......Ideotlflca"on. wh'ch may i,d.de yo.' Sodal 5ecUntv N.m.... ]>>
moM ca'''. ",e disdos.re will be rree. Yo. "e eo"tIed to ,free fl'e dlsdo..re If.
. a pe"oo h" takeo ad"",e actio' .ga"" yo. beca.... of "10""'''.' '" yo., c""it report;
. you are the victim of identity 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.
" add'bO'. by Septembe< 2005 all ",,,.me" will be eo_d '00" rree dl"lo..re ...e", 12 mo,th. .po' ,eq...t
from each ,,"o,wide "edit b."a. "d nom ,allo,w'de .ped"tv co,..me< repo"''''' ageod". see
www,ftc.aov/credit for more information.
you have the right to ask for a credit score.
0<<I1t "0'" are ,.men'" ..mman" 0' V".' ",dit-worthi"" b..ed "" "'o",,abO' nom "edit b.rea." yo. may
"...., , ",dlt.- "om co".me< "po""g .good" tha' create ,,0'" 0' dIstrIbUte .co"" .... " ""ldeo".1
real "",pe<tv loa". b.' yo. w," have to poy 10". I' ",me mortgage "",,,"'0". yo. wll' rece've credit "0"
information for free from the mortgage lender.
you have the right to dispute incomplete or inaccurate information.
U yo. Ideot1fv "1o"",tIo' " yo., fl'e "'at" ""mp,ete 0' 1."C.,.te. "d "port It to "'e "".m'" repo""g
ageo",. "'e ..eo'" m..t I"..ttg.te ."... yo., dl.p.te " '"v...... See www ..".OY I ",dlt fo' '" "pla""o. 01
d"..te proced..... .
Consume, "portln. ...ncies m.st co"- O' d..... 'n.CCU'-' 'nco".''''' ., .nv_.b1e info'm....n.
,,,,,,,,,,te. "",mplete. 0' .,~""ab'e "fo""'bO' m." be "moyed 0' co_. ....lIy withl' 30 doy', How..e<.
"'e co".me< ,""o""g ..en'" Is 00' ....1"" to remove a"",,,te de<"""'''' '....""a"o' nom you< flle .,Ie" It "
o.tdated (.. d_bed beloW) 0' ""ot be ve_d. ,,,,,,.me< "po"',g ..eo", may co,,,,.e to ,""ort
information it has verified as accurate.
eo...m.. ".."ino ..encieS ..., "'" ,.po" outdated n....... 'nfo,mst'o..
]>> most ca.... . "".m.. repo""g agen", m.y ,0' report ,egat\Ye "fo""allon that " more ",an ....es yea" o'd,
or bankruptcies that are more than 10 years old.
Access to your file is limited.
"o"",me< _""g age'''' mOY "",Vide i""''''''bO' .bout you o,lV to peep,e wi'" a valid ,eed .. ...ally to
",.de< " apOlI,,"on with . "edito,. I"...... em"'oy"', ,,,dlo",, 0' othe< b..'...... The FCRA .pedfl" ",ose with
a valid need for accesS.
You must give your consent for reportS to be provided to employers.
'.co".- rep?"". age'''' '!'.y 00' glYe out "1o""'tIo' .bout yo. to yo., employe<. 0" pote,"al employe<.
w,"'out you< w,,- con"'" .IVes to "'e emp'oye<. Wn"" ",,,ent ge,....lIy I. ,0' re..'red " "'e ""ckI'.
industry. For more information, go to www.ftc.aov/creQ!t.
you ...y 11..11 .._......." 0..... of a.... .,d ]>>..".ce yo. .et ...... .. Info........n ,. yo.' ,,",,11
report.
lO/1~
:lps:llannualcreditreporL trlI1ISunion. com/products! singlelviewReport.jsP ?tcMessengerOpted=nO
;olicited "prescreened" offers for credit ana lO~ul D""'......--- .---
..e to remove you, n.me .nd .dd"" from ..e """ ....e offen; .re b.- on. '00 ...., -," ".
.ionwide credit bureaus at 1_888-567-8688 (888-50PTOUT).
u may seek damages from violators.
. ,on,ume' reporting .genov, 0'. in ,ome ",.., . u,e' of ,on,"m~ ,eports 0" fu",~he' of Info,m.tlDn to ·
",ome, reportln. ..en", viol",,,..e FCRA, you m.y be .b'e to ,ue In ,tate 0' fe..re' o>uct.
,.ntItY ",eft vieth" .nd .etiv' dutY ..mta..., .......... have .ddltlOn.' ri.hts.
lr more information, visit www.ftc.cov/credit.
..... ...y __ the fC.... ..d ....y ___ h'v' the;' .... CO'...... ,epo"". ,..... ,. -. cases,
,.u ...y h'v, ...,. ri.- und.'..... ..... f.' ..... In(o,..-n, contact y.u,......, Ioca' consu....
trotection agency or your state Attorney General. Federal enforcers are:
T'lPE OF BUSINESS:
onsumer reporting agencies, creditors and others not
isted below.
National banks, federal branches/agencies of foreign
anks
(word "National" or initials "N.A." appear in or after
ank's name
Federal Reserve system member banks (except national
anks, and federal branches/agencieS of foreign banks)
avings associationS and federally chartered savings
anks
word "Federal" or Initials "F.S.B." appear in federal
'nstitution's name
Federal credit unions
(words "Federal Credit Union" appear in institution's
ame)
tate-chartered banks that are not members of the
Federal Reserve system
ir, surface, or rail common carriers regulated by former
ivil Aeronautics Board or Interstate Commerce
ommission
ctivities subject to the packers and Stockyards Act,
1921
ONTACT:
Federal Trade commission
onsumer Response Center - FCRA
ashington, DC 20580
1_877-382-4357
ffice of the Comptroller of the Currency
ompliance Management, Mail Stop 6-6
ashington, DC 20219
1_800-613-6743
Federal Reserve Board
Division of Consumer & Community Affairs
ashington, DC 20551
1_202-452-3693
ce of Thrift supervision
onsumer complaints
ashlngton, DC 20552
1- 0-84 -6 29
National Credit Union Administration
1775 Duke Street
lexandria, VA 22314
1_703-519-4600
Federal Deposit Insurance Corporation
onsumer Response Center
345 Grand Avenue, Suite 100
Kansas Qty, Missouri 64108-2638
1_877-275-3342
Department of Transportation
ce of financial Management
ashington, DC 20590
1_202-366-1306
De artment of Agriculture
Ice of Deputy Administrator - GIPSA
ashington, DC 20250
1_202-720-7051
Information Regarding State LaWS
Florida Residents
.... ,u'y 1,2006 yOU hove' ,'.ht to p'"e' """unty ....,e" on yOU, o>n,ume, report, which will p"'hlb"
o>n,ume' reporting .gen'" from re'e,,'ng .ny Infooootlon in yOU, ,on,ume' ,epoct without you, exp"'"
.u..on"tiOO. A 'e<Untv"..,e mu" be reou..ted.n writing by ,,,,,,fled mall to · ,on,ume' reporting .gen'Y. ...
,.curity "..,e ~ d....ned to prevent ,redlt, .o.n', .nd ,""",,, "om belng .p",o""d io yOU' n.me without yoo'
",n""t. V.u .hOu'd be ....,. th.t using a ,.."ritY ...... to co""., .ccess to the ......n.'.nd fin.nd"
...........n .n y.u, con.n.." ,..." ...y d'lay, I_e ..ith, ., p..hlblt the tI..eIy ...,ov.' .f .ny
......uent ...uest., .pp.......n y.u ...k' ,......... . n_,.an, ......It, ..-..., 'n..,.nco,
..v........ ."",_ ., ..y......, ,.nta' hOu.ln., ...P,oy...... InV_ license, ceI.ula' t.lephon"
utl.-, dlglta' ...n_'" '....net ",...it ca'" u.n_lon '" ."'.. 5O""- Indud". .n ....n...n .f
",...It at po,nt.f sal.. When you p'a"" ,.cunty....,e on yOU, "'n,um~ repoct, yOU wll' be p",vlded a pen;onal
Iden",,"'tion num.... 0' pa"won! to u,e "yOU ,"00," to ....ove the "..,e on yoU, ",n,ume' repoct 0' .utho",e
me rele"e of you, con,um~ repoct fo' a d..ignated period of Om. 0- the ,e,unty""'. "In p,ooe. To p",vlde
mat ,uthO",aoon, yOU mu,t o>n"" ..e ,o",ome' _rtio. ,gen", and p,ovlde all of me following'
1. The personal identification number or password.
2. Proper identification to verify your identity
3. Infoooallon ,pedfY'ng me penod of time fo' whkh me repoct ,hall be m.de ovallahle.
4. payment of a fee authorized by this section of the Florida Statutes.
A ",n,ume< ,eporting agency mu" ,utllon,. me ,e,..,e of you, "'n,um~ report no 10"" than 3 bu,ln'" d'y' ,fte'
receiving the above information.
A 'e<Unty""" does not ,pply to a po<SOo 0' e_, 0' Its affIlla"'" 0' colleo;on agendes "",n. 00 beha" of m'
pen;on 0' entity, with wh'''' you have 00 ....tio. acoount, mat 'OOu_ 'nfonnation 10 you' ,on,um'" repoct fo' the
po,,,,,,e' of ,ov'ew.ng 0' ",lIedJng <he .<<aunt. Revlewln. the a"ount Indud.. "tivlOe, related to ,<<ount
m.iotenaooe, monltonn., ,redlt line Inaea'es, .nd .<<ount OWa'" .nd enhaooemen".
You hOVe the n.ht to bnn. , ,ivll ao;on ..ain,t anyone, lodudln. · ",n,um~ reporting a.eo"" who fail' to ",mply
wi" ... p,",,"'on' of Sec. 501.005, Ronda S..tote', wh'''' .ove"" the plodO' of · ,o",ume' ,epoct ,e",rity ....,e
on your consumer report.
10/1
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~ \ 'iQ-ur account \ ~ \ ~ \ ~ \ \QgillJ1
ht 2008 iransUnion. LLC. All Rights Reserved.
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IS"O:':11 cr,;di\ I.;o.:rt 1'1port all inJcCu!3Ci consumer rightS
- [seel\::
--
ersonal Credit Report
~pau', remember to...
. View vour deJrt
analysis.
6.0%' 30'i[
fix mortgage
Debt Relief
Click. NoW
Qredit carn
In Seconds!
~
p.UL E. POLLARA, JR.
ource: TransUnion
. Get vour
credit score +
tips for making
it higher.
~
)ctober 17, 2008
,vai\able until Nov 16, 2008
'1
~
~ Qisplav a Q!".inN~ version
o Found an inaccurac ? Click to learn about correctin
File Number: 196943781
Date issued: 10/17/2008
Personal Information
SSN:
Date of Birth:
136-48-3536
03/1956
389-0888
Name:
PAUL E. POLLARA, JR.
Telephone
You have been on our files since 04/1984
PREVIOUS ADDRESSES
CURRENT ADDRESS
Address:
1258 TREASURE CT.
MARCO ISLAND, FL 34145
Date Reported: 02/2005
AddresS:
1790 PO BOX 1790
MARCO ISLAND, FL 34146
Date Reported: 01/2005
Address:
135 LELAND WY.
MARCO ISLAND, FL 34145
EMPLOYMENT DATA REPORTED
Employer Name: FLORIDA HOME INSPECTIONS
Location: MARCO ISLAND, FL
Date Reported: 01/2006
position:
Date Hired:
OWNER
Employer Name: DERFLINGER ROOFING
Date Reported: 06/1997
position:
Date Hired:
position:
Date Hired:
Employer Name: SELF
Date Reported:
Sped" N''"'' If ,oy ,,,,m pe y,", ".d' ~port bog'M wi" 'M'D", " IOclo'~ ~d1~' ,""",,'''.. '"' ." "" ,,'Iow'og 'M'W " ",,,,,.,,.,,,
anyone but you except where permitted by law.
Th' ,,",w1"' '''''''' .,,,,".. !<Om po"" ~,,'" "p'" '" y.", ~port. y~ m'y pe <"0""" ."""," po,"e ~,", ,,,,,,,,,, p''''o'''' ".,;tO~. AOy
"o,"oP"Y 'o.,,,,,,ti," will ~m"o pe y'"' ~port ,,< 'II y~~ !<Om ". ,,,... ". "".g. U"P'" ~x '''"' m'y g~''''1y be ~p.n.e' ,,< ~ i",<fio''''
p."'" of tim' "peo""g '0 y'"' ".'" of """",,, "" '" 11.0' m'Y bo ~p,rt.' foe 7 y~~!<Om ,,,. ,f p,y~.c All 01"" po,"e ~.<, iO""""'o,
including discharged chapter 13 bankruptcy, remains for up to 7 years.
Public Records
:lps:I lannualcreditreport. tranSunion. comlproduclsl single/viewReportj sp?tcMessengerOptedryes
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III
ANTIC COUNTY SPECIAL
Docket# 300003375
Type: Civil Judgment
Court Type: Circuit Court
Date Filed:
Responsibility:
Plaintiff:
p\aintiff Attorney:
Amount:
06/2003
Individual
GREATE BAY HOTEL CASIN
VANEMBDEN
$1,797
BACHARACH BLV
\lTIC CITY, NJ 08401
I 345-6700
mated date that this item wm be removed: OS/2010
ORIDA FEDERAL COURT -
Docket# 211536
Type: Chapter 13 Voluntary Dismissal Date Filed:
Responsibi\ity:
Liabilities:
06/2002
Joint
$0
. /II FLORIDA AVE
rrE 727
"'PA , FL 33634
l3) 301-5065
court Type:
Date paid:
Assets:
;timated date that this item wm be removed: OS/2009
Federal District
01/2003
$0
~ccount lnformation
l'l'A
x ro
ro IE m
30 days 60 days 90 days 120 days
\a\e \ate \ate \ate
['he key to the right nelps explain the payment history information
:ontained in some of the accounts beloW. Not all accounts will contain
payment history information, but some creditors report hOW you make
payments each month in relation to your agreement with them.
Not
APplicable
UnkOOWll current
"" ,,"ow'" ,~'"," ,,"'," ""m"'" ''''' ~m' cr''''''~ m'V "'"',, " " """~. """'~, """'" "",m"" m'V ""reilY" report" "', 7
Y"~ "m ", ".. ,f '" ft,~ """,",,oy, "p""" " Y'"' ",.. ,f ,,,,,,,,,. "', ,'""~ ,"""m"'" "'''~ ,cr'"'" "" ,~, p'''''' iO
"co"''''< " . ,,,,,,, "', Y'"' ",""'''''' " "'p Y'" """,,,", Y'"' "port. TMY 'fo 'M 'co""'" ",,,,,,, "".'V f" ",""~. (No'" ""
account # may be scrambled by the creditor for your protection).
Adverse Accounts
4060 OGLETOWN STAN
MAIL CODE DE5-019-
NEWARK, DE 19713
(800) 421-2110
8alance:
Date updated:
High 8a\ance:
Credit Limit:
03/2002
$260
$200
pay Status:
Account Type:
Responsibility:
Date opened:
>30 Days past Due<
Revolving Account
Individual Account
02/1997
BANK OF AMERICA #5329050977393139
Loan Type: Credit Card
Remark: Account closed by consumer
Estimated date that this item will be removed: 12/2008
Late payments
23 monthS
C:lm
o 0 0
Last 14
8J 8J ro ffi3 03 83 ELl 8J 83 ED 83 GJ GIHiiJ
teb "02 dec nO'l' oct sep aug jul jun mi!)' apr mar teb "01
MonthS
4060 OGLETOWN STAN
MAIL CODE DE5-019-
NEWARK, DE 19713
(800) 421-2110
8alance:
Date updated:
High 8alance:
Credit Limit:
09/2002
$404
$200
pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
unrated
Revolving Account
Individual Account
02/1997
06/2002
BANK OF AMERICA #5329050999325366
Loan Type: Credit Card
Remark: >BankruptCy/account closed by consumer<
Estimated date that this item will be removed: 12/2008
200 CROSS KEYS
OFFICE PARK
FAIRPORT, NY 14450
(800) 724-7500
8alance:
Date updated:
Original 8alance:
origina\ Creditor:
Past Due:
$956
10/2008
$710
MED1 02 COLLIER CNTY EMS
>$956<
Pay Status:
Account Type:
Responsibi\ity:
>Collection Account<
Open Account
Individual Account
CONSERVE # 1149943
Loan Type: Collection Agency Attorney
Remark: Account information disputed by consumer
Date p\aced for conection: (11/20051
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In
RADIO RD # 2N
.ES , FL 34104-3701
) 262-7600
Balance:
Date updated:
High Balance:
Past Due:
Terms:
01/2005
$78,700
$0
$444 for 360 monthS
Pay Status:
Account Type:
Responsibility:
Date opened:
paid or paying as Agreed
Mortgage Account
Joint Account
02/1999
ST NAT'L BANK OF FLA #29016657
:e payments
38 monthS
:, rnm
2< 0 0
Last 38
~~~~~~~~~~~~~~~~~rororororororo
d" .'" o<t ... '" i" i'" .... ... "." f" '04 d" .'" nd ... no, in' i'" .... ... "''' t.b '0'
riD ED 83 tD 0J t:!D m t:[3 'j. tiD r:J\:;:::] X GD
del: nOV oct sep aug jul jun ~ apr mar feb '02 del: nOV
n Type: conventional Real Estate Mt9
MonthS
o BANK NA #30000000036130559
Balance:
Date updated:
High Balance:
Credit Limit:
past Due:
$0
08/2002
$5,000
$5,000
$0
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
Date paid:
>Charged Off as Bad Debt<
Line of Credit Account
Individual Account
08/2000
08/2002
08/2002
)59 SPRINGDALE RD
-jERRY HILL, NJ 08003-4030
,one number not available
.oan Type: Line of Credit
Itemark: >Profit and 1055 writeoff<
Estimated date that this item will be removed: 02/2009
",. fo\l~,,,g ",0",,'" ,fo foP'''''' .,'" 00 ,'~fo' "fo'''''''.... ,No<" Too ""n'" # mnv bo ""m'''' bY <h. ".Ol'" fo, yo", .,,,,,....).
Satisfactory Accounts
1335 NORTHMEADW PK
ROSWELL, GA 30076
(800) 543-5636
Balance:
Date updated:
High Balance:
past Due:
Terms:
$4,765
09/2008
$7,727
$0
$157 for 60 monthS
pay Status:
Account Type:
Responsibility:
Date opened:
paid or paying as Agreed
Installment Account
Joint Account
06/2006
AMERICAN HONDA FINANCE #84911850
Loan Type: Automobile
Late payments
27 monthS
GltD
000
Last 27
roro~ro~rororo~rororororororororororo~rororo
'"' in' j"" _ ..' mo' ,.. '08 d" on' oct ... '" in' ~. _ ... ...' f" '07 d" "'" oct ...
m:H!1J ro
aug jul jun
MonthS
1335 NORTHMEADW pK
ROSWELL, GA 30076
(800) 543-5636
Balance:
Date updated:
High Balance:
past Due:
Terms:
$7,921
10/2008
$11,050
$0
$225 for 60 monthS
Pay Status:
Account Type:
Responsibility:
Date opened:
Paid or paying as Agreed
Installment Account
Individual Account
12/2006
AM'ERICAN HONDA FINANCE #88382427
l.oan Type: Automobile
Late payments
22 monthS
Wm
o 0 0
rorororororororororororororo~rororororororo
... '" i,l j"" _ ... ...' f" '08 d" "on oct ... '" ~, i'" - ... ...' ... '07 d"
Last 22
MonthS
BMW FINANCIAL SERVICES #1000421860
Balance: $0
Date Updated: 01/2007
High Balance: $7,527
Past Due: $0
Terms: $154 for 60 monthS
5550 BRITTON PKWY
HILLIARD, OH 43026
(800) 578-5000
pay Status:
Account Type:
Responsibility:
Date opened:
Date ClOsed:
paid or paying as Agreed
Installment Account
Primary Borrower on Account
01/2006
01/2007
l.oan Type: Automobile
Remark: Closed
10/1
!ps:f f .nnualcreditreport. transunion. comlproductsl singleiviewReport.j sp?tcMessengerOptedrycs
wite payments
Last 11
1 months
rnm
o 0
MonthS
t:ITl8303GDtDG30JIDJill.J1!.U!.!J..3
dec nOY oct sep aug jul jun ~ apt mar feb
~RD MEMBER SERVICES #4190030341802345
DISPUTES
BOX 108
INT LOUIS, MO 63166
56) 234-4750
Balance:
Date updated:
High Balance:
Credit Limit:
)an Type: Credit Card
emark: Account closed by consumer
:ARMAX AUTO FINANCE #3874259
'OB 440609
CENNESAW , GA 30160
~800) 925-3612
Balance:
Date updated:
High Balance:
Past Due:
Terms:
Loan Type: Automobile
Remark: Closed
Late payments
18 months
mm
o 0 0
11/2002
$5,000
$5,000
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
Date paid:
unrated
Revolving Account
participant on Account
03/1998
10/2001
12/2001
$0
12/2006
$5,343
$0
$196 for 30 monthS
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
Paid or paying as Agreed
Installment Account
Individual Account
OS/2005
12/2006
Last 18
ro~~rurnm~~~rn~rnrornrornrnrn
nO\' oct sep aug jul jun ~ apr mar feb '06 dec noY oct sep aug jul jun
Months
DSNB/MACYS #4301251166420
Balance:
Date updated:
High Balance:
Credit Limit:
Past Due:
9111 DUKE BLVD
MASON , OH 45040-8999
(800) 659-6229
$0
10/2008
$43
$500
$0
Pay Status:
Account Type:
Responsibility:
Date opened:
Date paid:
Paid or paying as Agreed
Revolving Account
Joint Account
09/1998
08/2000
Loan Type: Charge Account
Late payments
48 months
wm
o 0 0
rorororororomromrommmmmmmmrororomroro
"" ... jul i" .... up' "'." ,.b '.. do< ,~ ,ct '.. ... jol j" .... ... ",0< ,... '01 do< ,~ oct
mromrorommmroxxmmrommmmmrorommro
"" ... jul i" .... _p' mo< '.b '0' do< ,~ oct ,..". iul j" .... 'p' "'" ,... '05 do< ... oct
Last 48
Months
DSNB/MACYS #4301251166430
Balance:
Date updated:
High Balance:
Credit Limit:
Past Due:
9111 DUKE BLVD
MASON, OH 45040-8999
(800) 659-6229
$0
10/2008
$1,225
$500
$0
Pay Status:
Account Type:
Responsibility:
Date opened:
Date paid:
Paid or paying as Agreed
Revolving Account
Joint Account
09/1998
12/2000
Last 20
rnrorom~rnro~~~~~~ro~w~rn~rn
sep aug jul jun ~ apr mar feb '08 dec nOY oct sep i!lug jul jun ~ apc rr.ar feb
Loan Type: Charge Account
Late payments
20 months
mm
o 0 0
Months
FIFTH THIRD BANK #403523343
38 FOUNTAIN SQAURE
MAIL DROP 1COM65
CINClNNAU , OH 45263
(800) 972-3030
Balance:
Date updated:
High Balance:
Collateral:
Past Due:
Terms:
Loan Type: Conventional Real Estate Mtg
Late payments
16 months Last 16
$109,037
09/2008
$110,000
Fannie Mae 1707272609
$0
$695 for 360 months
Pay Status:
Account Type:
Responsibility:
Date opened:
Paid or paying as Agreed
Mortgage Account
Joint Account
OS/2007
GD0:JmJtDi.!!3tiDm3mJi.!!3G3GJ'S3t!13GI3B3GIJ
i!lug jul iun may i!lpc mar feb '08 dec nOY oct sep aug jul iun lI1iIY
ipS :11 annualcreditreport, tranSunion. cornlproductsl singlelviewReport.j sp?tcMeSSengerOptedryes
mm
o 0 0
Months
10/1~
TH THIRD BANK #204260210
III
lUNTAIN SQAURE
DROP 1COM65
INNATI , OH 45263
) 972-3030
Balance:
Date updated:
High Balance:
past Due:
Terms:
$0
06/2007
$78,700
$0
$575 for 360 months
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
paid or paying as Agreed
Mortgage Account
Joint Account
02/1999
06/2007
~~~~~~~~~~~~~~~~~~~~~~~~
""' ." "." f.b '0""'" .d "" "" i.1 ion ""' ." "'" ,.b '06'''''' .d "" "" ;.1 ion
t!Il
may
n Type: conventional Real Estate Mtg
~ark: Closed
[FTH THIRD BANK #4236640010014414
.e payments
27 months
film
o 0
; FOUNTAIN SQUARE
NONNATI , OH 45202
,00) 972-3030
Last 25
Months
.oan Type: Secured Credit Card
'-ate payments
6 months
tz]m
o 0 0
FIFTH THIRD BANK - CREDI #5293064300018331
Balance: $110
Date updated: 09/2008
High Balance: $110
Credit Limit: $1,000
Past Due: $0
Terms: Minimum $2
FIFTH THIRD BANK - CREDI #5444004301000407
Balance: $712
Date updated: 10/2008
High Balance: $1,010
Credit Limit: $1,000
Past Due: $0
Terms: Minimum $15
5050 KINGSLEY DR
MD1MOB1K
CINCINNATI, OH 45263
(800) 972-3030
Loan Type: Credit Card
Late payments
4 monthS
rom
o 0 0
5050 KINGSLEY DR
MD1MOB1K
CINCINNATI, OH 45263
(800) 972-3030
Loan Type: Credit Card
Late payments
43 months
mm
o 0 0
Balance:
Date updated:
High Balance:
Credit Limit:
Past Due:
$0
02/2005
$643
$1,000
$0
Pay Status:
Account Type:
Responsibility:
Date opened:
Date paid:
Paid or paying as Agreed
Revolving Account
Individual Account
08/2004
01/2005
Last 6
mJ8JlmGD03G3
'OS dec no'" oct sep aug
MonthS
Pay Status:
Account Type:
Responsibility:
Date opened:
paid or paying as Agreed
Revolving Account
Individual Account
OS/2008
Last 4
m::HD tIT] 83
au! jut jun may
MonthS
pay Status:
Account Type:
Responsibility:
Date opened:
paid or paying as Agreed
Revolving Account
Individual Account
02/2005
Last 43
~~~~~~~~~~~~~~~~~~~~ro~~~
"" ". i.1 ion ""' ." "'" fob '..."... nd "" "I i.1 I"' ""' ..' "" ... '0"" ... nd
~romrorn~rornrnrnrnrorororornrnroro
sep ilug jut jun may ilpr mar feb '06 dec nO't oct sep aug jut jun may apr mar
MonthS
FIRST UNION NATIONAL BAN #30301322308
Balance: $0
Date updated: 07/2000
High Balance: $10,570
past Due: $0
Terms: $0 for 36 months
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
Paid or paying as Agreed
Installment Account
Individual Account
07/1997
07/2000
PO BOX 3117
WINSTON SALEM, NC 27102
Phone number not available
ips:/ / annualcreditreporUransunion. com/products! SinglelviewReport.isP?tcMeSsengerOptedrye,
Loan Type: Lease
Remark: Closed
Late payments
3 monthS
mm
o 0 0
Last 3
GJill3t!J3
jun may ilPT
10/11
Months
.EET SERVICES CORP #4346004289
1 N TRYON ST
IARLOnE, NC 28255
one number not available
Balance:
Date updated:
High Balance:
Credit Limit:
Past Due:
$0
03/2005
$0
$2,000
$0
Pay Status:
Account Type:
Responsibility:
Date Opened:
Date Closed:
Date paid:
Paid or Paying as Agreed
Line of Credit Account
participant on Account
04/1998
03/2005
10/2004
oan Type: Line of Credit
.emark: Closed
.ate Payments
48 months
mm
o 0 0
rooomoomoorororooorororooo@oommmroromffiffi
teb '05 dec nOY oel ~p BUg jut jun may a~r mar feb '04 dec nOY oct sep aug jut jun may apr mar
rnmxrnrn~xxxxxrnrnrnmrnroxrnrorn
feb '03 de<: nOY oel sep Bug jut jun may B~r mar feb '02 dec nOY oel sep aug jut jun
ffiOO8ffi@ffiffiffi@mmffiffiffirommmooffi8roffiffi
may apr mar feb '04 de<: nov oel sep BUg jul jun may apI mar feb '03 dec nOY oct sep aug jut jun
mmrnm~rnrnrnrnrnrnrn~rnrom~rn~
miJ'j apl' mar feb '02 dec nO\' oel sep aug jut jun may apr mar feb '01 dec nO't
Last 45
MonthS
GATEWAY ICBSD #6011766301048674
Balance:
Date updated:
High Balance:
Credit Limit:
Past Due:
PO BOX 6497
SIOUX FALLS, SO 57117-6497
(800) 927-1948
Loan Type: Combined Credit Plan
Remark: Account closed by credit grantor
Late payments
43 months
mm
o 0 0
Last 43
Months
$0
06/2004
$1,849
$2,500
$0
Pay Status:
Account Type:
Responsibility:
Date Opened:
Date Closed:
Date Paid:
HARLEY DAVIDSON CREDIT #20000100626083
Balance: $0
Date updated: 04/2000
High Balance: $12,000
Past Due: $0
3850 ARROWHEAD DR
CARSON CITY , NV 89706
(800) 699-2,36
loan Type: Automobile
Remark: Closed
HSBC BANK #5424426001774086
PO BOX 5253
CAROL STREAM, IL 60197
(800) 477-6000
Balance:
Date Updated:
High Balance:
Credit limit:
Past Due:
loan Type: Credit Card
Late Payments
9 months
mm
o 0 0
Pay Status:
Account Type:
Responsibility:
Date Opened:
Date Closed:
01/2001
$5,350
$5,300
$0
Pay Status:
Account Type:
Responsibility:
Date Opened:
Months
8:H:13 rIHiD 8J E!Hin mJ m:J
dec nO\' oct sep aug jut iun may apl'
Last 9
MERRICK BANK #4120613052276570
POB 1500
DRAPER, UT 84020
(800) 349-7472
Balance:
Date updated:
High Balance:
Credit limit:
Past Due:
Terms:
$1,848
09/2008
$1,848
$3,000
$0
Minimum $56
Pay Status:
Account Type:
Responsibility:
Date Opened:
Paid or paying as Agreed
Revolving Account
Individual Account
12/1999
04/2004
OS/2000
Paid or paying as Agreed
Installment Account
Individual Account
12/1999
04/2000
Paid or paying as Agreed
Revolving Account
Joint Account
09/1994
Paid or paying as Agreed
Revolving Account
Individual Account
12/2004
loan Type: Credit Card
late payments
45 months
mm
o 0 0
~~rom~~mrnwwru~~rn~rornffi~mwrnro~
aug jul ,un may lIpl' mar teb '08 dec nO't od Sl!? aug jut iun may apr mar teb '07 dec no... oct sep
rn~~rnwwwwwwrn~w~rn~w~m~~
aug jut jun may apl' mar feb '06 dec nOY oel sE!p aug jut jun may IIpi' mar feb '05 dec
Last 45
Months
10/17
:ipS :llannualcreditreport. tranSuniOIL cornJproductsl singlelviewReport.j sp?tcMessengerOptedryes
11
SAN-INFINITI L T #29009102544
IX 660366
,S , TX 75266-0366
456-6622
Balance:
Date updated:
High Balance:
Past Due:
Terms:
09/2001
$11,505
$0
$295 for 39 monthS
pay Status:
Account Type:
Responsibility:
Date opened:
paid or paying as Agreed
Installment Account
Individual Account
04/1999
Last 17
rnrnru~~ru~rn~ro@~ruro~~~
aug jul iun mi1f apr mar teb '01 dec nOV oct sep aug jul iun m<1'J apt'
1 Type: Lease
~ payments
7 months
rom
o 0
MonthS
:EANFIRST BANK #160866459
i HOOPER AVE
MS RIVER, NJ 08754
l2) 240-4500
Ian Type: conventional Real Estate Mtg
emark: Closed
ate payments
6 monthS
rom
o 0 0
Last 6
Months
Balance:
Date updated:
High Balance:
Past Due:
Terms:
$0
06/2003
$80,000
$0
$1,155 for 180 months
x (ITJ GrHiD mJ ED
may apr mar teb '03 dec
OCEANFIRST BANK #770947606
975 HOOPER AVE
TOMS RIVER, NJ 08754
(732) 240-4500
Loan Type: Home Equity Loan
Remark: Closed
Late payments
24 months
tEm
o 0 0
Last 24
MonthS
Balance:
Date updated:
High Balance:
Past Due:
Terms:
$0
04/2002
$100,000
$0
$1,090 for 10 months
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
paid or paying as Agreed
Mortgage Account
Joint Account
07/1999
06/2003
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
Paid or paying as Agreed
Mortgage Account
participant on Account
12/1999
04/2002
xrogrorornrororororororororurororomrororororo
".." '''' '02 dK 'W oct ,op "'. i"\ i"' _ ." "'" ". '01 do< ... oct ... ". i'\ i"' - ."
OCEAN FIRST BANK #160778654
975 HOOPER AVE
TOMS RIVER, NJ 08754
(732) 240-4500
Loan Type: conventional Real Estate Mtg
Remark: Closed
Balance:
Date updated:
High Balance:
Past Due:
Terms:
$0
05/1999
$90,000
$0
$892 for 180 months
OCEAN FIRST BANK #770885640
975 HOOPER AVE
TOMS RIVER, NJ 08754
(732) 240-4500
Loan Type: Home Equity Loan
Remark: Closed
Balance:
Date updated:
High Balance:
Past Due:
Terms:
$0
05/1999
$60,000
$0
$647 for 10 months
SUNTRUST BK/WEST FLORIDA #70200007021154245
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
paid or paying as Agreed
Mortgage Account
Individual Account
02/1995
05/1999
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
Paid or paying as Agreed
Mortgage Account
Individual Account
11/1997
05/1999
10/17
tps://annualcreditreport. tranSunion. cornlproductsl SinglelviewReport.j Sp ?tcMessengerOptedryes
~OX 524203
MI , FL 33152-4203
<\.) 434-3131
Balance:
Date updated:
High Balance:
Past Due:
Terms:
$0
01/2006
$5,809
$0
$259 for 24 mOllths
In Type: Automobile
mark: Closed
te payments
9 months
"rn m
o 0 0
Last 9
m:HITJ 83 83 8J 0J 03 0J 8J
dec nOY oct sep lIug jul iun flliI'/ IIpl
Months
ilACHOVIA MORTGAGE FSB #5120001900034
Balance: $0
Date Updated: 03/2000
High Balance: $64,500
Past Due: $0
TermS: $435 for 360 months
~4 DAVIS ST
AN LEANDRO, CA 94577-6922
300) 642-0257
.oan Type: Conventional Real Estate Mtg
'lemark: Closed
WELLS FARGO AUTO FINANCE #7845930
$0
04/2005
$6,776
$0
$155 for 54 months
800 WALNUT ST
DES MOINES, IA 50309
(800) 357-7501
Balance:
Date updated:
High Balance:
Past Due:
Terms:
Loan Type: Automobile
Remark: Closed
Late payments
11 months
rom
o 0 0
Last 11
ED t:I:H!IHiD GJ r:D ELl G1J E13 ru ru
mal teb '05 dec nOY oct sep aug jul jun may
Months
Regular lnquiries
Account Type:
Responsibility:
Date opened:
!'lilte Closed:
Installment Account
Joint Account
04/2005
01/2006
Pay Status:
Account Type:
Responsibility:
Date opened:
Date Closed:
Paid or paying as Agreed
Mortgage Account
Joint Account
08/1996
03/2000
Pay Status:
Account Type:
Responsibility:
Date Opened:
Date Closed:
Paid or Paying as Agreed
Installment Account
Participant on Account
OS/2004
04/2005
The following companies have received your credit report. Their inquiries remain on your credit report for two years.
CAPIT AL ONE AUTO FINANCE
3905 N. DALLAS PAR Requested On:
pO #COAFl-222 Inquiry Type:
PLANO . IX 75093
Phone number not available
09/30/2008
Individual
286 FIFTH THIRD BANK via CBC INNOVIS
PO BOX 1838 Requested On: 03/02/2007
COLUMBUS. OH 43216 Inquiry Type: Joint
(877) 237 -8317
F.MAC/FIFTH THIRD BANK
FIFTH THIRD CENTER Requested On:
CINCINNATI I OH 45263 Inquiry Type:
Phone number not available
03/02/2007
Individual
STATEWIDE MTG GROUP via CREDIT BUR ASSOC FILES
IV EXECUTIVE CAMPU Requested On: 03/01/2007
SUITE 200 Inquiry Type: Individual
CHERRY HILL I NJ 08002
(856) 532-6510
BANK OF AMERICA
P.O. BOX 31590
TAMPA BAY CLDC
TAMPA, FL 33631
(727) 892-6500
01/10/2007
Individual
Requested On:
Inquiry Type:
GERMAIN HONDA BMW IN via ADP/GERMAIN HONDA BMS
3707 DAVIS BLVD Requested On: 12/20/2006
NAPLES. FL 34104 Inquiry Type: Individual
(941) 643-2220
AMERICAN HONDA FINANCE
1335 NORTHMEADOW Requested On:
12/20/2006
permissible Purpose: CREDIT TRANSACTION
permissible Purpose: CREDIT TRANSACTION
permissible Purpose: CREDIT TRANSACTION
10/17/
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( STE 100
NELL, GA 30076
) 475-2121
Inquiry Type:
InOIVIOUal
~uiry Analysis
"lOp"'" Ii,,,d '0 ,ho '"9".' ,0"liY '"'"" of yo", mport "., _i.,d y'" '" lo '" I." 90 "", p",.lOW ", Io"~iog lop" 00 'h'" modo".
:juested On: 09/30/2008
Identifying information they provided:
PAUL E POLLARA
135 LELAND WA
MARCO ISLAND, FL 34145
\PIT AL ONE AUTO FINANCE
,ccount Review InquirieS
" ",mp.o"' Ii",d ""~ o",.'o,d 'olo,m."" ""m y'" ",,,,,,m" mport 10' '" p",po," of .0 .=,", m."w 01 "',,' '".o~ ""0,.,"00 WKh y'"
,~ioq'lM~ '" 0'" d"","y,d '" .Oy'" buf y" .od will ,," .fleof .oy ,mdi""" do."" 01 .'" ,,,,m (ox"P' i~",.O" "mp.o'" m.y h..' """
) other insurance company inquiries, where permitted by law).
:IFTH THIRD BANK
e
701 GOLF ROAD
~OWNG MEADOW, IL 60008
513) 358 -6299
Requested On:
09/2008
CAPITAL ONE BANK USA NA
je
POB 30281
SALT LAKE CITY, UT 84130-0281
(800) 955-7070
Requested On:
09/2008
MERRICK BANK
pe
10705 S JORDAN GAT
SUITE 200
SOUTH JORDAN, UT 84095
Phone number not available
Requested On:
09/2008
FEDERAL HOME LOAN MORTGA
pe
8200 JONES BRANCH
MC LEAN, VA 22102-3107
(800) 373-3343
Requested On:
06/2008
ALLSTATE INSURANCE
pe
2775 SANDERS RD Requested On:
NORTHBROOK , IL 60062-6110
Phone number not available
06/2008
permissible purpose: INSURANCE UNDERWRITING
FANNIE MAE CONSUMER RESO
pe
3900 WISCONSIN AVE
WASHINGTON, DC 20016-2806
(800) 732-6643
Requested On:
06/2008
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30x 2000
ster, PA 19022-2000
Phone:
0) 916-8800
, b"'io~' ho"~ '0 yO"' "m' ,,0' ,re ,," "m, '" <0" p,m" Moo'" "'ro",h Frid"" ",," mojo' holi"", P1"~ "'~ yO"' T"o'UoiOO '" o"mb&
IHable (located at the top of this report).
:onsumer Rights
Para informacion en espanol, visite www.ftC'Wucrec1i! 0 escribe a la FTC Consumer Response
Center, Room 130-A, 600 Pennsylvania Ave., . ., washington, D.C. 20580.
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files
of ",","me' "portiO, "end"" Th"e a" m,"Y tvP"' of ",n,"m" "portln, "end"" 'oc'udlo, "edit bu,eau' and
"edaltv a,end'" (,urn" a,end" tha' ,eI' info"",ti<>n about rned< w,",o, h,,,,,ri,,, mediao' "oo,d', aod "ntal
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.aov/credit.t or write to Consumer Response Center,
Room 130-A, Federal Trade commission, 600 pennsylvania Ave., N.W., Washington. D.C. 20580.
A summary of Your Rights Under the Fair Credit Reporting Act
You must be told if information in your file has been used against you.
Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance,
or employment __ or to take another adverse action against you -- must tell you, and must give you the name,
address, and phone number of the agency that provided the information.
You have the right to knoW what is in your file.
You may request and obtain all the information about you in the files of a consumer reporting agency (your "file
disclosure"). You will be required to provide proper identification, which may include your Social Security Number. In
many cases, the disclosure will be free. You are entitled to a free file disclosure if:
. a person has taken adverse action against you because of information in your credit report;
. you are the victim of identity 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.Qov/credit for more 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
"gu",' a "edit '''''' from ",o,um" "portlOO a,end'" that o"ate '''''"' " dl"ribute "0,", u",d 'n ,,,Ideo""
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
a,eo"" the a,en", mu" 'nv,,",a'e uOIe" you< d"pute " frivof"', 5"' www ,ftc-gOY! ""dit "" '" explaM"en 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,
the consumer reporting agency is not required to remove accurate derogatory information from your file unless it is
outdated (as described below) or cannot be verified. 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 yOU, writteo 000"", ,ive" to the emp'oy~, Wntton 00""0' ,""e,,"Y i' lIP' ",qul"d io the ,,"0"0' '
industry. For more information, go to www.ftc.Qov/credit.
You may limit "prescreenedn 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
1 0/17.
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lOOse to remove your name and address from the listS tnese VII CI" ,.. ~ -----
3tionwide credit bureaus at 1_888-567-8688 (888-50PTOUT).
ou may seek damages from violators.
: . ,,",ume< ceporting .geoey, n" '" ",me """, . u"" " "n,ume< ,ep,rt> " · fumi,he' of infu""'O," in ·
onsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
tdentity theft victims and active duty military personnel have additional rights.
=or more information, visit www.ftc.aov/credit.
_05 m.y ....,ce "'. FCRA. .nd m.ny .-, h". ",.1, own censem.' ,.on..lng I..... In ,.m. ",ses,
y.u m.y hav. m". ri.hts und.' stat. I.... Fa< m...ln..""at'.n, c.ntact y.u, stat. a< ,.",1 c.nsum"'
protection agency or your state Attorney General. Federal enforcers are:
rrvPE OF BUSINESS: "'ONT ACT:
tonsumer reporting agencieS, creditors and others not Federal Trade Commission
isted below. Consumer Response Center - FCRA
Washington, DC 20580
1_877-382-4357
National banks, federal branches/agencies of foreign ~~ce of the Comptroller of the Currency
~~~~ "Nati~~al" or initials "N.A." appear in or after \,.,ompliance Management, Mail Stop 6-6
Washington, DC 20219
bank's name 1_800-613-6743
Federal Reserve System member banks (except national Federal Reserve Board
!banks, and federal branches/agencies of foreign banks) Division of Consumer & Community Affairs
Washington, DC 20551
1_202-452-3693
~avings associations and federally chartered savings ~ffjce of Thrift Supervision
banks L.onsumer comt'laints
(word "Federal" o~ initials "F.5.B." appear in federal Washington, D 20552
institution's name 1_800-842-6929
Federal credit unions National Credit Union Administration
(words "Federal Credit Union" appear in institution's 1775 Duke Street
name) iAlexandria, VA 22314
1_703-519-4600
!State-chartered banks that are not members of the Federal Deposit Insurance corporation
Federal Reserve System \Consumer Response Center
2345 Grand Avenue, Suite 100
Kansas City, Missouri 64108-2638
1_877-275-3342
~~r, surface, or rail common carriers regulated by former Department of Transportation
~~Vil A~ro.nautics Board or Interstate Commerce ~ce of Financial Management
IL.Ommlsslon ashington, DC 20590
1_202-366-1306
!Activities subject to the Packers and Stockyards Act, Department of Agriculture
1921 pffice of Deputy Administrator - GIPSA
Washington, DC 20250
1_202-720-7051
Information Regarding State LawS
Florida Residents
Po ., ,uly 1, 2006 y.u ".e. ,ight to pl"e . ',"wity feeoze' ,n y'u, mn,ume< ,eport, whi'h wiil prohibit.
consumer reporting agency from releasing any information in your consumer report without your express
.uth",,,",n. A ,"contY 'ceoze mu,t be ,eque,ted in wming by ,ertified m.iI in · "n,ume' ,ep,rting .genC"!. The
,ncuntY rreoze;' designed to peevent ,oedit, ,,,"', .nd ,",vices fe,m being 'ooroued in y'u' nome with,ut y'u'
"n""nt. V.u sh.uld be .w". "'at usln. . s.cu'.y "..,. to cant,.I'ccass to "'. p.,..n,' .nd ftn."lal
,...""....n in Y'u, consum.' ,ep." m.y d."y, int.....'. with, a< ....hib. the tim.1y ......., of .ny
subsequent request or application you make regarding a new loan, credit, mortgage, insurance,
........m.nt s....ices a< ..ym.nts, ,.nt.1 h'usi'., empl.ym.nt, In........t, license, cellula' to'.pb.ne,
""Ilties, dl.;tal si.n"".' Int.,net ",ad. co,d ".ns.ct,.n a< oth., .....Ice5, Inctudin. .n _nsi.n .f
"'ad..t on,nt.f ,.,.. When y'" pl.", . ,",untY ,,,,,,,e ,n y'u, mn,ume< ,eport, y'u will be ,...'ded · pe,son.'
Identill,,",n numbei" " p...w"d t, u,e if y'u ,hoo,e to cem,ue the "eoze ,n y'u' mn,ume' ,ep,rt" "th,d,e
the cele..e ,f yo", co",ume' cep,rt ,,,. design.ted ped"" ,f time ..,,, the ,&udty rrem;' In pl"e. T, p"ulde
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 of the Florida Statutes.
A con,ume< cep,rting .genC"! mu" .uth,d,e the ,eiea,e ,f y'u' mn,ume' cep,rt n, lote' thon 3 bu,ines, d'y' .fte,
receiving the above information.
A ,&udty fee."e d,e, not ..ply in . pe...'n " entity, "., .ffiliote" " coliection .gendes .ct;ng ,n beh.1f ,f the
pe..,n " entity, with which you ho.e .n exi,ting .",unt, thot ,equ""ts In""".II,n ;n y'u' co",ume' ,eport ,,, the
pU'1"'"' ,f ..,lewlng " coliecting the .",unt. Reviewing the "count indude' .ct;.itie' ,ei,ted to .",unt
maintenance, monitoring, credit line increases, and account upgrades and enhancements.
y,u hove the n,ht to bdng . dull .cti,n 'Ii.in,t .ny,ne, ;nduding . con,ume' ,ep,rting .gunC"!, wh' fall' to compiy
with the pro.islon, of S&. 501.005, ",d" StDtute" which ...em' the pl.dng ,f' con,ume, ceport ,e""lty feee"
on your consumer report.
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10/17,
u
you ,no' 'he advertleements on 'hiS pnge, we may ,e,u,el, ,,.n,te, ,ou' petsonellntoona,;on '0 ,he approp,,,,'e partoe,.
~ \ ygur account \ ~ \ he\Q \ terms of u~ I \Q9Q!J1
ght 2008 TransUnion. LLC. All Rights Reserved.
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Application for Registration of Fictitious Name
Fictitious Name to be Registered AAfordable Tours
FEI Number
(optional)
Email Address
Certificate of Status
Certified Copy
,---------------
.arkhangela@yahoo.com
_~ $10.00 (optional)
:= $30.00 (Optional)
Mailing Address of Business
Mailing Address of Business 1083 N Collier Blvd No.201
Address Line 2
(current)
City, State
Zip Code
Florida County of
Principal Place of BusinesS
Marco Island
FL
.-.--------
34145
Collier
pollara
Last
, Paul
First
,E
Middle
i
,j
owner Name And Address
Name And Address #1
owner of Fictitious Name If An Individual:
Owner of Fictitious Name If Other Than An Individual:
.OR-
Entity Name
Florida Document Number:
(Only applies to businesS entity owners)
FEI Number:
(Only applies to businesS entitY owners)
FEI Number Status:
Applied F or Not Applicable
Current
City, State
1258 Treasure Court
Marco Island
, FL
Street Address
Zip Code & Country ~--- US
..1___ ^ _...I ^ .-I.-I----~,....
~ _ _ '" ~onO 1 htrnl ?disclaimer _read~accept&submit= Add+Fictitious+N... 10/16/2008
vvvv v...~.................~_..--t,;,)
owner of Fictitious Name If An Individual:
Berec
Last
, Peter
First
Middle
-OR-
owner of Fictitious Name If Other Than An Individual:
Entity Name
Florida Document Number.
(Only applies to business entity ownel'lil
FEI Number:
(Only applies to business entity ownel'lil
FEI Number status:
Applied For
Not Applicable
Current
Street Address
1083 N Collier Blvd No. 201
City, State
Marco Island
-.-----.-..-.----
Zip Code & Country 34145 US
Name And Address #3
owner of Fictitious Name If An Individual:
Last
First
Middle
-OR-
owner of Fictitious Name If Other Than An Individual:
Entity Name
Florida Document Number:
(Only applies to business entity ownel'lil
FEI Number:
(Only applies to business entity ownel'lil
FEI Number Status:
.. Applied For
Not Applicable
Current
Street Address
City, State
Zip Code & Country
-_.-- ------.--------
Name And Address #4
owner of Fictitious Name If An Individual:
j
FL
,
,tr"
f'
;'
i
\l
-~
~. 1 , __1()~:",,1<>;mf':r read=accept&submit=Add+Fictitious+N... 10/1612008
vv vv yv ...,,~....,a.-.--C)
.OR-
Owner of Fictitious Name If Other Than An Individual:
Entity Name
Florida Document Number:
(Only applieS to business entitY owners)
FEI Number:
(Only applies to business entitY owners)
FEI Number Status:
Applied For Not Applicable
Current
Street Address
City, State
Zip Code & Country
__..> .__.___.__<..._n____.__.
Name And Address #5
Owner of FictitiouS Name If An Individual:
Last
First
Middle
owner of Fictitious Name If Other Than An Individual:
.OR-
Entity Name
Florida Document Number:
(Only applies to business entitY owners)
FEI Number:
(Only applies to business entitY owners)
FEI Number Status:
Applied For Not Applicable
current
Street Address
City, State
Zip Code & Country
.___. __.__._______M_____
Please review the filing for accuracy. If you need to make corrections, do so at this time. The
filing information will be added/edited exactly as you have entered it. Once you have submitted
the information, your filing cannot be updated, removed, cancelled or refunded.
I (we) Ihe u_ned. being the sole (all the) par\yQes) owning interest in the abOVe fictitlOUS name. oertify Ihatlhe
_ indicaled on Ihis loon is true and accUfate. I (we) undo.....d thalthe signature(s) beloW shall have Ihe same
legal effect as if made under oath. (At Least One Signature Required.)
owner Signature Paul E pollara
. you p.... the "Continue' bUtIOO. the "",""oOon on the .....n .... be p......... and a - ~;.. request "" be ".-. · you","" the
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Thank you for filing your Fictitious Name Registration online.
Your confinnation number is 800137000698.
Your charge amount is $60.00.
File another document
".... ____1-.:~ ~_<T/C'"..;ntc;:/f1c:rf,,_exe
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1 0/16/2008
PAYMENT RECEIPT
Transaction Amount: $60.00
Email Address: arkhangela@yahoo.com
Date/Time Paid: 10/16/200822:28:13
Payment ID Number: 24903321
Reference Number: 800137000698
Document Number: NEW
Thank you for using the
UNK~COV
Online Payment System.
Print this receipt for your records.
Continue
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;,;,...- -'...;'
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https://efile.sunbiz.org/ficregO l.htm1?disc1aimer Jead=accept&submit= Add+Fictitious+N... 10/16/2008
COMMEKC1AL AU 1 VJ - KC V lL vv
Thank you for your Application
Please review the information below.
Is the information complete? For example, have all the vehicles been added?
If not, please click the "Back" button below to return to the Application.
If the information is complete, please click the "submit" button below to send your application to your
NEA Underwriter. Your underwriter will contact you shortly, there is no need to call.
Thank You!
Agent Information
Agent Name: WESLEY TROY BAKER
Address: 267 N COLLIER BLVD #6
E-Mail: a043000@allstate.com
Agent Code: fLC4V01
phone: 239-642-9797
Fax: 239-642-4598
Date Agency Added: 2/19/2008
~PPUCANT INfORMATION
Named Insured legal Name: paul pollara
Home Address: 1258 treasure ct
Home citY: marco island
Home State: fL
Home Zip: 34145
5.5. Number: 136-48-3536
Date of Birth: 03/21/1956
Contact Phone Number: 239-601-7411
BUSINESS INfORMATION
Business Name: . AAfordable tours
Business Address: 1083 n comer blvd
Business citY: marco island
Business State: fL
Business Zip: 34145
FEIN# 136483536
Business Countv: comer
Number of Years in Business: 0
Leaal Entitv: PartnershiD
If Partnership or Corporation, is the above applicant the principal of the Yes
companv!
Principal name:
DOB Principal Owner/Pres:
Social sec No Principal Owner/Pres:
lIs the principal involved in the daily running of the operation? es
Describetvpe of Business: ransfer people
Remarks: axi service for DeoDle transDortation
Business web address:
[Any bankruptcies or tax liens in the past 3 years? No
RATING INfORMATION
Requested Effective date: 11/01/2008
Has applicant been insured for the past 12 months with no lapse in
overage?(Prior insurance discount conslderation-a personal lines No
policv does not aoply as proof for corporation.)
~s applicant currently insured? No
Current Policv Expiration Date:
Current Insurance Carrier:
Current PoliCY Number:
Current liability limit?
1_ ____M,:~~I A lltr.j A ntn'; view. asp
10/17/2008
COMMbKLIAL AU IV:J - ru:, V 1D VV
Do we write all the Commercial vehicles for the insured: !yes
s insured haulina or deliverina for: No Haulina
If Hauling What are theY haulino:
How many deliveries I Errands / Job sites per day: 5
How many vehicles do you need Insured: 1
~OVERAGEINFORMATION
Non-Truck NONE
!Uninsured Motorist 1300/300 NON STACKED
ion Hook Tow Onlv NONE
Medical Exoense 5000
personal Ir11urv Protection 10K W/O OED -NI ONLY
Uninsured Motorists propertY Damage NONE
BodilY Iniurv/ Prooertv Damaoe 1300 CSL
DRIVER INFORMATION
DR Driver DOB Marital IsR22? !Accidents lViolations DL !state IcDL iYr
Name Status (Date/Fault) (Date/Fault) ~ss
1 !paul 103/21/1956 Married No 0 10 p460685261010 FL No 2004
!pollara
IvEHICLE INFORMATION ~NSURED:
!vehicle 1
IVIN Number: 1fdwe45f83ha97546
rurrent Vehicle Value: (Required for physical damage) 0000
Perm Attach Equipment value:
TOtal Stated Amount: 0000
!Year: 2004
Make: ord
Model: bu
ype of Vehicle: Passenger Van 9-20 passengers
:irOSS Vehicle Weight: 5689
araging Zip Code: 34145
Maximum Miles Driven one-way from Garaging Zip: 120
ype of Use: ICOmmerclal
s Vehicle a Tow Truck: No
if yes, : IType (Flatbed/Hook) None
\Axle None
What is percentage of repossessions
Are State filings needed: No
If Yes, What State filings:
s Vehicle a Pick-Up Truck: No
fYes,: IType of Trailer hitch None
s Vehicle a Van: Ives
f yes,: li'ype: passenger
Detailed use of vehicle: [transport people
Loss payee(if any):
Additional Insured (if any):
~omprehensive Deductible: $1000
Collision Deductible: 1$1000
Fire Theft: $1000
Ir Bag: Driver
ntl Theft Devices: passive
nti Lock brakes: !Yes
mber Liohts: No
Daytime Runnino Lights: No
VIN Etchino: No
Traction Control System: No
Five mile per hour bUn10ers: No
ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR
10/17/2008
__: __I ^ .,+"'/ 6.lltnl) VleW.aSp
COMMERCIAL AUTO) - Kb V l~ W
ANOTHER PERSON FILES AN APPUCATION FOR INSURANCE CONTAINING ANY MATERIALLY FALSE
INFORMATION, OR CONCEALS FOR THE PURPOSE OF MISLEADING INfORMATION CONCERNING ANY
FACT MATORIAL THERETO, COMMrtS A FRAUOULENT INSURANCE Acr, WHICH IS A CRIME ANO SUBJECfS
THE PERSON TO CRIMINAL AND CIVIL PENALTIES.
SUBMISSION OF THIS APPUCATION IN NO WAY CONSTITUTES APPROVAL FOR BINDING. BINDING WILL
BE CONFIRMED BY A WRInEN RELEASE OF A BINDER NUMBER AFTER ALL REQUIREMENTS ARE
RECEIVED IN OUR OFFICE. RATE IS BASED ON INFORMATION PROVIDED ON THIS APPUCATION AND IS
SUBJECT TO CHANGE.
SIGNATURE:
DATE:
(
...Back ......
1 L
d$W~rrittd ....... .
J
10/1712008
_, __ I ^ ..+"'/ A lltn" VleW.asp
rage 1 01 .)
r llllU'\.I;::'Ull::'
~STERL
N; r::;
'-'
E~..
.\..-~
Code Enforcement Div. Collier County
Order#: 8658737
Pauk Pollara
PO,
Last Name
First Name
Middle Name
DIle of Birth (mmlddiyyYY)
Phone
Projected Salary
Job Slale
Subject Profile
NA
Pollara
Pauk
03121/1956
NIA
Address
Apartment Number
City
State
Zip
Current Address
1256 Treasure Cl
Marco Island
.._------~----_..._-----_.._--
34145
Previous Address
Address
Apartment Number
City
State
Zip
Additional informallon
Applicant Emall Address
Company
Code Enforcement Ow. ColUer County
Results Status
Service
CRIMINAL RECORD SEARCH
Status
4 CLOSED
Findings
Clear
..------.--------..-----.-.-.--.--.
.hO__._~_._.._._.._.._.._____.___._..____ ...-----.--.-..
1 CLOSED
1 CLOSED
1 CLOSED
See Results Below
MOTOR VEHICLE REPORT (MVR)
SEXUAL OFFENDER DATABASE SEARCH
SOCIAL SECURITY TRACE SEARCH
Clear
Alert
...---.--......--..---....----.--.. ._.__._._....--~.._..__. ,,,"--"-'--"-- ..... -'-'-'-""---"--"
........_.~.__.._..__...__._.__.__._----_.
CRIMINAL RECORD SEARCH
The crimlnallnfonnation reported on this webslte appears exactly as it is received from the local jurisdictions and may contain infonnation
which would be prohibited for use in making hiring decislons_ Therefore, it is advisable to consult your corporate counsel prior to making any
adverse hiring decisions.
City: State: NW Zip: County: NA TIONWlDE
Status: CLOSED
ANDING: Clear
*************************************************************************
. THE INFORMATION IN THIS REPORT IS THE RESULT OF A DATABASE SEARCH AND .
. HAS NOT BEEN OBTAINED THROUGH STERLING TESTING SYSTEM'S STANDARD
. CRIMINAL BACKGROUND RESEARCH METHODS.
*************************************************************************
NO CRIMINAL CONVICTION FOUND.
City: Marco Island Stale: FL Zip: 34145 County: COLUER
Status: CLOSED
ANDING: Clear
No criminal convictions found.
CIty: Stale: NJ Zip: 08734 County: OCEAN
Status: CLOSED
ANDING: Clear
No criminal convictions found.
City: Stale: NJ Zip: 07103 County: ESSEX
Status: CLOSED
ANDING: Clear
No criminal convictions found.
Back to Findings
MOTOR VEHICLE REPORT (MVR)
Status: CLOSED
ANDING: See Results Below
REKLAMI PRINT IMAGE 80
START OF DRIVING RECORD
FLORIDA Driver Record - B8178
Order Date: 10/24/2008
Host Used: Online
Reference: 8658737_3
,.
_ n_ 1-___1-.. -1~___.." 1_~_,.l.._ro";....+D ",.."hc <>Cf'\v? A rrh;Vf>=
10/24/2008
rage L or j
rnmKeSUlIS
Period: THREE YEAR
License: P460685061010
Report Clear:YES
Name: POL1J\RA, PAUL EDWARD
Address:
City, St:
As of:
Sex :
Eyes:
Hair:
Weight:
Height:
DCB
Iss Date: 10/29/2004
Exp Date: 03/21/2010
AGE: 52
Year License First Issued: 09/12/1975
STATUS: VALID
MVR Score
SCORE:
ELIGIBLE
Violations/Convictions And Failures to Appear And Accidents
TYPE VIOL
CONV
ACD AVD V/C
DESCRIPTION
.. NONE TO REPORT
suspensions/Revocations
ORD/DATE
EFF/DATE
CLR/DATE
END/DATE
CODE
AVD
ACTIONS
NO ACTIVITY
License and Permit Information
License: PERSONAL Issue:10/29/2004 Expire:03/21/2010 Status:VALID
License Status Explanation: ELIGIBLE
C1ass:E REGULAR OPERATOR
ENDORSEMENT: MOTORCYCLE
Miscellaneous State Data
.. ENTRIES BELOW COVER THE PAST 3 YEARS ..
MISC: EXAMS VISION=l ROAD SIGN=O ROAD RULBSEO DRIVING=O
MISC: EXAMS MCYCLE RULES=O MCYCLE SKILL-O
BLOCK PERSONAL INFORMATION ..
BLOCK FOR MAILING LIST ..
THIS PERSON HAS A DIGITAL IMAGE
I FOR STATED BUSINESS
I PURPOSES ONLY
I
I
I
Underwriting:
Policy
Ini tial s:
Date:
/
Issue Date:
/ /
control Number: 5TLOAH
END OF DRIVING RECORD
Back to Findings
SEXUAL OFFENDER DATABASE SEARCH
Slate: FL
Status: CLOSED
FINDING: Clear
No Record Found
Back to Findings
SOCIAL SECURITY TRACE SEARCH
Status: CLOSED
FINDING: Alert
**.*~*.*****++****+++++****+
Social Security Trace
*****************************
******************************************+*******************+*********~*****++
GENERATED: 10/24/2008 09:27:51 AM
TRANSACTION ID:0017648664-6251
1.
NJ\ME
PAUL
SSN
U#-##-##U
E POL1J\RA JR
VALID
YES
STATE ISSUED
NEW JERSEY
DOB
03/01/1956
DATE ISSUED
01/01/1969
ADDRESS
135 LELAND WAY APT N6 MARCO ISLAND, FL 34145-4686
PO BOX 309 LANOKA HARBOR, NJ 08734-0309
404 CONTINENTAL ST FORKED RIVER, NJ 08731-1646
19 EMERALD CT LANOKA HARBOR, NJ 08734-2138
140 S ORANGE AVE NEWARK, NJ 07103-3051
710 OAK CT LANOKA HARBOR, NJ 08734-2216
417 BRANDYWINE AVE FORKED RIVER, NJ 08731-1654
714 LAUREL BLVD LANOKA HARBOR, NJ 08734-2631
589 MONROE AVE ELIZABETH, NJ 07201-1532
FROM
02/1999
0412000
01/1994
0812000
03/1998
07/1992
01/1991
12/1986
04/1986
TO
2007
02/2005
11/2001
08/2000
01/1999
07/1992
01/1991
12/1986
04/1986
_L"" 1______l.......m_=_+D...........,..l+~ n("'l__vo')Ari""h;"p=
1 Ol?4/200R
PrintResults
12:i.J 1.AURf~r... BLVD LANOKT\ :mRBCiH,l'P r;8714-~I)('I~~
701 OAK CT LANOKA HARBOR, NJ 08734-2216
2.
NAME
PAUL
SSN
u.-u-uu
STATE ISSUED
NEW JERSEY
E POLLARA JR
VALID
YES
ADDRESS
1258 TREASURE CT MARCO ISLAND, FL 34145-5040
1258 SEREIT CT MARCO ISLAND, FL 34145
PO BOX 1790 MARCO ISLAND, FL 34146-1790
506 BRENTWOOD RD FORKED RIVER, NJ 08731-1523
506 BRENTWOOD RD FORKED RIVER, NJ 08731-1523
1558 BISCAYNE WAY MARCO ISLAND, FL 34145-5208
135 LELAND WAY APT N6 MARCO ISLAND, FL 34145-4686
3.
NAME
PAUL POLLARA
SSN VALID
..i-..-.... YES
STATE ISSUED
NEW JERSEY
ADDRESS
124 NE 15TH TER CAPE CORAL, FL 33909-1200
4.
NAME
PAUL POLLARA
SSN
u.-u-uu
VALID
YES
STATE ISSUED
NEW JERSEY
ADDRESS
18 GARIBALDI AVE NEWARK, NJ 07114-2137
5.
NAME
PAUL
SSN
.U-U-I".
STATE ISSUED
NEW JERSEY
E POLLARA JR
VALID
YES
ADDRESS
1013 BOWSPRIT PT LANOKA HARBOR, NJ 08734-2706
l'age j or j
11/1984
1111984
DATE ISSUED
01/01/1969
FROM
07/2004
07/2004
06/2002
04/1992
04/1992
04/2001
02/1999
TO
09/2008
01/2005
08/2004
10/2003
1012003
0312003
2001
DATE ISSUED
01/01/1969
FROM
01/2008
TO
0112008
DOB
00/1955
DATE ISSUED
01/01/1969
FROM
01/1983
TO
01/1983
DOB
00/1956
DATE ISSUED
01/01/1969
FROM
TO
----------------------------------------------------------------------------
END-USER IS NOTIFIED THAT FOR LEGAL AND PRACTICAL REASONS INFORMATION
OBTAINED THROUGH A SOCIAL SECURITY NUMBER TRACE SHOULD BE USED ONLY TO
'TERI~( THE INFORMATION PROVIDED BY THE CONSUMER ON HIS/HER EMPLOYMENT
APPLICATION. INFORMATION OBTAINED THROUGH A SOCIAL SE;CURIT1 ;WMBER I'RACE
SHOULD NOT BE USED ALONE OR IN CONJUNCTION WITH ANY OTHER INFORMATION TO
MAKE AN EMPLOYMENT DECISION.
'*END OF NETWORK TRACE**
----------------------------------------------------------------------------
****************************************************************************
PLEASE NOTE THAT THE RESULT OF THE SOCIAL SECURITY TRACE SEARCH DID NOT
YIELD ANY NAMES THAT MATCH THE NAME ENTERED FOR THE APPLICANT. PLEASE
CONFIRM THE CORRECT NAME WITH THE APPLICANT AND NOTIFY OUR CLIENT SERVICES
DEPARTMENT AT CLIENTSERVICES@STERLINGTESTING.COM WHETHER ADDITIONAL SEARCHES
UNDER ANY NAMES ARE NECESSARY (AN ADDITIONAL CHARGE WILL APPLY FOR EACH
NAME) .
Back to Findings
Copyright C> 200B Sterling Infosyslems, Inc.
***.************************************************************************
_n A. _p_'L':_ ..-_
1 ()/").:1.I?OOR
page 1 01 J
PrintResults
~>STER
IN G
DiREC?
Code Enforcement Div. Collier County
Order#: 8658754
Peter Berec
Subject profile
NA
Berec
Peter
POll
Last Name
First Name
Middle Name
Date of Birth (mmlddfyyyy)
Phone
projected SainI)!
Job Stato
06107/1956
N1A
Current Address
- 859 Robin Ct
Address
Apartment Number
City
Slate
Zip
Marco Island
FL
34145
Previous Address
.-------------.----
Address
Apartnlent Number
City
State
Zip
Additionallnfonnntion
Applicant Email Add",'s
Company
Code EnfQl'Cemenl Div. Collier County
Results Status
.-----.---...-.-.---.---.---...-.-.----- .---.--..------..---..----..---.-----.--------.-------------.-.--.--.
Service
CRIMINAL RECORD SEARCH
Status
4 CLOSED
Findings
Alert
MOTOR VEHICLE REPORT (MVR)
SEXUAL OFFENDER DATABASE SEARC,",
SOCIAL SECURITY TRACE SEARCH
t CLOSED
1 CLOSED
1 CLOSED
See Results Below
Clear
- ._~---'--- ~.._-------
Alert
.-.----..--....-..-..-.---..--....---.. .--.-------
CRIMINAL RECORD SEARCH
The criminallnfonnation reported on this webslte appears exactly as it is received from the local jurisdictions and may contain Information
which would be prohibited for use in making hiring decisions. Therefore, it is advisable to consult your corporate counsel prior to making any
adverse hiring decisions.
City: State: Iffl Zip: County: NA TlONWIDE
Status: CLOSED
FINDING: Alert
____.____~__._----.-~.~----.__.. _.___......__..._........ O' .._.......__._..._..._____..____..._......
+***+***+****************************************************************
-----..--.----.----..
. THE INFORMATION IN THIS REPORT IS THE RESULT OF A DATABASE SEARCH AND .
. HAS NOT BEEN OBTAINED THROUGH STERLING TESTING SYSTEM'S STANDARD
. CRIMINAL BACKGROUND RESEARCH METHODS.
*************************************************************************
CRIMINAL HISTORY SEARCH INFORMATION
NAME ON COURT FILE: PETER N BEREC
NAME GIVEN: PETER BEREC
AKA:
DATE OF BIRTH ON COURT FILE: 06/07/1956
DATE OF BIRTH GIVEN: 06/07/1956
SS * ON COURT FILE: N/A
SS * GIVEN: ***-**-****
COUNTY: NATIONWIDE
STATE: Nil
DOCKET * / CASE *: 9804415MMA
IND *:
ARREST/INCIDENT DATE: OS/25/1998
CHARGES:
032739 UNSPECIFIED OFFENSE INFRACTIONS
DISPOSITION DATE:
DISPOSITION:
ADJUDICATED GUILTY/DELINQUENT IN JUV CRT
SENTENCE INFORMATION:
SENTENCED IMPOSED DATE: 19980817
,_
1 ()f')Rf')()()R
Page 2 of 5
PrintResults
ADDITIONAL INFORMATION:
STATE CODE: FL
OFFENSE COUNTY: COLLIER
REPORT GENERATED: FRIDAY, OCT 24 2008
City: Marco Island State: FL Zip: 34145 County: COLUER
Status: CLOSED
FINDING: Alert
CRIMINAL HISTORY SEARCH INFORMATION
CONVICTION RECORD
MI SDEMEANOR CLASS
Name On Court File: PETER N BEREC
Name Given: PETER BEREC
AKA:
Date of Birth On Court File: 06/07/1956
Date Of Birth Given: 06/07/1956
SS W On Court File: N/A
SS W Given: KU-U-UU
County: COLLIER
State: FL
Docket K / Case K: 9804415MMA
Ind #:
Arrest/Incident Date: 1998-05-25
Charges:
1. OPERATING/WATERCRAFT WITHOUT PERSON WEAR IMI
Disposition Date: N/A
Disposition:
1. ADJUDICATED GUILTY
Sentence Information:
1. FINE $150.00
PAID $150.00
Additional Information:
"NOTE : MIDDLE INITIAL ON FILE
REPORT GENERATED: Friday, Oct 24 2008
City: State: IL Zip: 60168 County: DU PAGE
Status: CLOSED
FINDING: Clear
No criminal convictions found.
City: State: IL Zip: 60103 County: COOK
Status: CLOSED
FINDING: Clear
No criminal convictions found.
Back to Findings
MOTOR VEHICLE REPORT (MVRl
Status: CLOSED
FINDING: See Results Below
REKLAHI PRINT IMAGE 80
START OF DRIVING RECORD
FLORIDA Driver Record - B8178
Order Date: 10/24/2008
Host Used: Online
Reference: 8658754_3
Period: THREE YEAR
License: B620674562070
Report Clear:YES
Name: BEREC, PETER N
Address:
City, St:
As of:
Sex :
Eyes:
Hair:
Weight:
Height:
DOB
Is. Date: 06/07/2005
Exp Date: 06/07/2011
AGE: 52
'1A/,",O',",f'\"O
PrintResults
Year License firct Iosued: 03/18/1999
STATUS: VALID
MVR Score
SCORE:
ELI GI BLE
Page 3 of 5
DESCRIPTION
Violations/convictions And Failures to Appear And Accidents
.. NONE TO REPORT
TYPE VIOL -~- ACD AVD V/C
ACTIONS
ORD/DATE
EFF/DATE
CLR/DATE
END/DATE
CODE
AVD
Suspensions/Revocations
NO ACTIVITY
License and Permit Information
License: PERSONAL Issue:06/07/2005 Expire:06/07/2011 Status:VALID
License Status Explanation: ELIGIBLE
Class:E REGULAR OPERATOR
RESTRICTION: CORRECTIVE LENSES
Miscellaneous State Data
PREVIOUS LICENSE NUMBER: B62067456162 STATE: ILLINOIS
NO ENTRY WITHIN THE PAST 3 YEARS AGAINST RECORD IN ABOVE NAME
MISC: EXAMS VISION=l ROAD SIGN=l ROAD RULES=l DRIVING=l
MISC: EXAMS MCYCLE RULES=O MCYCLE SKILL=O
BLOCK PERSONAL INFORMATION ..
BLOCK FOR MAILING LIST ..
THIS PERSON HAS A DIGITAL IMAGE
Date:
/
Issue Date:
/ /
Initials:
IFOR STATED BUSINESS
\PURPOSES ONLY
I
I
I
Underwriting:
Pou cy
END OF DRIVING RECORD
Back to Findings
SEXUAL OFFENDER DATABASE SEARCH
State: FL
Status: CLOSED
FINDING: Clear
No Record Found
Back to Findings
control Number: 5TPFBL
-..----.----------------.-----.-.-...-----..---
SOCIAL SECURITY TRACE SEARCH
Status: CLOSED
FINDING: Alert
****************************
Social Security Trace *****************************
GENERATED: 10/24/2008 09:29:14 AM
TRANSACTION ID:0017648714-8414
********************************************************************************
1.
NAME
PETER
SSN
**H-**-H**H
STATE ISSUED
ILLINOIS
N BEREC 4
VALID
YES
ADDRESS
1147 VERNON PL MARCO ISLAND, FL 34145-2001
1083 N COLLIER BLVD APT 201
MARCO ISLAND, FL 34145-2539
991 N BARFIELD DR APT 412
MARCO ISLAND, FL 34145-2362
661 LEWIS CT MARCO ISLAND. FL 34145-2420
284 N BARFIELD DR MARCO ISLAND, FL 34145-4206
2.
NAME
PETER N BEREC
SSN VALID
iHH-HH-HHHH YES
STATE ISSUED
ILLINOIS
ADDRESS
330 WORTHINGTON ST MARCO ISLAND, FL 34145-5239
1083 N COLLIER BLVD APT 201
MARCO ISLAND, FL 34145-2539
1833 WOODBINE CT MARCO ISLAND, FL 34145-4737
381 SHELBURNE DR CAROL STREAM, IL 60188-9259
DATE ISSUED
01/01/1972
FROM TO
02/2006 09/2008
01/2002 12/2007
02/2007 0312007
04/2002 08/2005
07/1998 04/2005
DATE 1 SSUED
01/01/1972
FROM TO
09/2005 08/2008
02/2007 02/2007
2002 01/2003
03/1989 10/1992
PrintResults
3.
NAME
PETER
SSN
IU-II-UU
STATE ISSUED
ILLINOIS
N BEREC 4
VALID
YES
ADDRESS
859 ROBIN CT MARCO ISLAND, FL 34145-3453
PO BOX 201 MARCO ISLAND, FL 34146-0201
4.
NAME
PETER N BEREC
SSN VALID
111-11-1111 YES
STATE ISSUED
ILLINOIS
ADDRESS
659 LESLIE CT CAROL STREAM, IL 601BB-4200
421 LAPENNISULA B BLVD NAPLES, FL 34113
4N436 OLD GARY AVE HANOVER PARK, IL 60133
172 N GARY AVE CAROL STREAM, IL 601BB-2093
4 N OLD GARY AVE APT 436 BARTLETT, IL 60103
5.
NAME
PETER BEREC
SSN
IU-U-UU
VALID
YES
STATE ISSUED
ILLINOIS
ADDRESS
421 LA PENINSULA BLVD NAPLES, FL 34113-4038
IBO THUNDERBIRD TRL CAROL STREAM, IL 601BB-19Bl
6.
NAME
PETER M BEREC
SSN VALID
111-11-1111 YES
STATE ISSUED
ILLINOIS
ADDRESS
IB3 THUNDERBIRD TRL CAROL STREAM, IL 601BB-19B2
7.
NAME
PETER
SSN
IU-U-UU
STATE ISSUED
ILLINOIS
N BEREC IV
VALID
YES
ADDRESS
JBl ~RELBURN~ OR c~qOL STREAM, IL 601B8-9259
255 WATERSIDE CIR APT 101
MARCO ISLAND, FL 34145-35B6
8.
NAME
PETER N BEREC
SSN VALID
111-11-1111 YES
STATE ISSUED
ILLINOIS
ADDRESS
4N436 OLD AVE BARTLETT, IL 60103
9.
NAME
PETER
SSN
UI-U-UU
STATE ISSUED
ILLINOIS
N BEKEC IV
VALID
YES
ADDRESS
284 N BARFIELD DR MARCO ISLAND, FL 34145-4206
599 S COLLIER BLVD MARCO ISLAND, FL 34145-5512
381 SHELBURNE DR CAROL STREAM, IL 60188-9259
10.
NAME
PETER N
SSN
UI-II-UU
STATE ISSUED
ILLINOIS
EREC IV
VALID
YES
ADDRESS
1083 N COLLIER BLVD APT 201
MARCO ISLAND, FL 34145-2539
599 S COLLIER BLVD MARCO ISLAND, FL 34145-5512
255 WATERSIDE CIR APT 101
MARCO ISLAND, FL 34145-3586
11.
NAME
PETER
SSN
iU-ii-UU
STATE ISSUED
ILLINOIS
N BEREC IV
VALID
YES
ADDRESS
10B3 N COLLIER BLVD APT 201
MARCO ISLAND, FL 34145-2539
599 S COLLIER BLVD MARCO ISLAND, FL 34145-5512
12.
NAME
PETER
SSN
Ui-U-UU
STATE ISSUED
ILLINOIS
N EREC IV
VALID
YES
ADDRESS
381 SHELBURNE DR CAROL STREAM, IL 601BB-9259
Page 4 of 5
DOB
06/07/1956
DATE ISSUED
01/01/1972
FROM
0112003
10/2000
TO
06/200B
10/2000
DOB
06/1956
DATE ISSUED
01/01/1972
FROM
01/1992
07/1997
12/1991
12/1989
TO
03/2007
07/1997
12/1991
12/19B9
DATE ISSUED
01/01/1972
FROM
11/1996
01/1994
TO
12/2004
01/1994
DATE ISSUED
01/01/1972
FROM
06/1993
TO
2001
DOB
06/1956
DATE ISSUED
01/01/1972
FROM
03/1989
TO
10/1992
DOB
00/1957
DATE ISSUED
01/01/1972
FROM
06/1990
TO
12/1990
DOB
06/1956
DATE ISSUED
01/01/1972
FROM
TO
DOB
06/1956
DATE ISSUED
01/01/1972
FROM
TO
DATE ISSUED
01/01/1972
FROM
TO
DATE ISSUED
01/01/1972
FROM
TO
Page 5 of 5
----------------------------------------------------------------------------
END-USER IS NOTIfIED THAT FOR LEGAL AND PRACTICAL REASONS INFORMATION
OBTAINED THROUGH A SOCIAL SECURITY NUMBER TRACE SHOULD BE USED ONLY TO
VERIFY THE INFORMATION PROVIDED BY THE CONSUMER ON HIS/HER EMPLOYMENT
APPLICATION. INFORMATION OBTAINED THROUGH A SOCIAL SECURITY NUMBER TRACE
SHOULD NOT BE USED ALONE OR IN CONJUNCTION WITH ANY OTHER INFORMATION TO
MAKE AN EMPLOYMENT DECISION.
----------------------------------------------------------------------------
++END OF NETWORK TRACE++
***************************************************************+************
PLEASE NOTE THAT THE RESULT OF THE SOCIAL SECURITY TRACE SEARCH YIELDED THE
FOLLOWING NAMES IN ADDITION TO THE NAME ORIGINALLY ENTERED FOR THE APPLICANT:
PETER N BEKEC IV - LAST NAME DOES NOT MATCH. (SEE 19 ABOVE)
PETER N EREC IV - LAST NAME DOES NOT MATCH. (SEE no ABOVE)
PETER N EREC IV - LAST NAME DOES NOT MATCH. (SEE 112 ABOVE)
PLEASE REVIEW THE RESULT AND CONTACT OUR CLIENT
AT CLIENTSERVICES@STERLINGTESTING.COM TO CONDUCT
ADDITIONAL NAMES ON THIS REPORT (AN ADDITIONAL CHARGE
NAME) .
SERVICES DEPARTMENT
SEARCHES UNDER ANY
WILL APPLY FOR EACH
Back IQ Fir:!?ll}51L_________
Copyright C 2008 Steriing in"'systems. Inc.
****************************************************************************
COLLIER COUNTY
BOARD OF COUNTY COMMISSIONERS
PUBLIC VEHICLE ADVISORY COMMITTEE
2800 NORTH HORSESHOE DRIVE
NAPLES,FL ,34104
DATE:
APPLICATION FOR CERTIFICATE TO OPERATE
12/ to f OCO
, I
The undersigned hereby makes application for a Certificate to Operate vehicles "for hire" within
Collier County uhder Code of Laws and Ordinance Chapter 142, and respectfully submits the
following information in support of this application.
FEES: Non-Refundable Application Fee
Certificate to Operate Issuance Fee (Yearly)
Vehicle Decal Permit Fee (Per Vehicle / Yearly)
Driver ID Fee
~$ 200.00
$ 325.00
$ 50.00
$' 75.00
NOTE: Please make check / money order payable to the BOARD OF COUNTY COMMISSIONERS
-1) v /\ A.Jp
1. Name of Applicant: /'<..1 CAO...-bO I'"TI-Z U€-f?--O
~
Address: --=t=t'11 ION Fo c:r IJ,Mll~.J ~tV 1)4 04/ i 4-
(Number & Street) (City) (State) (Zip Code)
Home Telephone: (tYJ) 33; - 52bl E-Mail raMpV~<O @ c.o mca...5 + $ net-
Date of Birth: 03- is' - 1'7 ro S.S. #: ? 7f I - b8 -- I sq 4
Driver's License #: 4 ~ 1(0 - 'f20 ~ TO - ()Cj5 - 0
2. If Partnership:
Business Name:
Business Address:
(Number & Street)
(City)
(State)
(Zip Code)
Business Telephone: (
E- Mail
List of Partners:
A.
(Name)
(Address)
()
(Home phone #)
(Date of Birth)
(Social Security #)
B.
(Name)
(Address)
)
(Home phone #)
(Date of Birth)
(Social Security #)
S''l-{O {
~;:;CJ I 'IOrJ? (J e y
(Address)
-ry-TJ - foB - 15'14-
(Social Security #)
tJ ,1 P iJLl
~ 34"~
3. If Manager:
-pCA12A>O
(Name)
Z?~ 3'f> I
;4U PU~vtW
(Home phone #)
Copies of Articles of Incorporation, all amendments thereto, and a certified copy of the Certificate of
Incorporation must accompany this application.
Exact Corporate/Business Name:
(d)f4+1PU CO@ 'b8A-
NA-fL~S 'PflG-,./t UM TI2.A-I.J.:5POf2..1
4. If Corporation/Fictious Name:
Business Telephone number: (2oQ) oD3i - 62" I E-Mail
Business Address: "=I -q.Q1 :I ON foe 'I. ,<J A-P 1E5 F will /) A
(Number & Street) (City) (State)
34/i4
(Zip Code)
List of Directors / Officers:
B. M f}f!./eW-A
(Name)
~~~) 33/- 5Zb I
(Home phone #)
"0'3-1S.:...jQ:m
(Date of Birth)
~UIU i-Fv
/7 q 1
ION fo C!.T NA-Plf~ t::l 34i14
(Address)
-=,:r / - (of) - 15q4
(Social Security #)
.ION.rO cr ;VAPL=E"S FL 34114
(Address)
3D 1- Vb - 4507
(Social Security #)
f!)
A. 'jUC4(J..,bD .AHPV~f2..0
(Naine)
( ']::A ) 3?Ji - 52.<0 J
(Home phone #)
-::r-~J
05 - 28,-/Ct72-
(Date of Birth)
5. List any and all persons holding a ten percent (10%) or greater beneficial interest in applicant's
business or company.
A.~
(Name)
(Address)
(Home phone #)
(Date of Birth)
(Social Security #)
B.
(Name)
(Address)
(Home phone #)
(Date of Birth)
(Social Security #)
2
6. If applying for sub-Certificate name(s):
Date of application
a. Name
b. Approved ___-- Rejected
REASON:
Date of application
c. Name
Rej ected
REASON:
d. Approved
7. Trade Name (if any)
8. List all criminal convictions for which the applicant, owners, managers, directors, and any
officers have been found guilty or convicted regardless of adjudication, in the United States
indicating the offense, the date, and the state.
9. Has Certificate to Operate ever been revoked? Yes
No
i
lfyes, please explain the reason, the year, city, state, and the previous issued Certificate to Operate
number, of revocation:
3
AFFIDAVIT
o
Before me this day personally appeared 12..1 c.Ai2..-DO .4H PVtlliJwho swears or affirms
that the vehicle(s) to be permitted meet(s) the safety standards as set forth in Code of Laws
and Ordinance Chapter 142.
It is understood and aclmowledged by the Code Enforcement Department and myself that if
my vehicle(s) that is/are permitted fail(s) to meet(s) the safety standards as required by this
Ordinance, the vehicle(s) must be removed from service until all violations are corrected.
BUSINESS NAME
IV A-PlCC S
a
"Pf2,if-H I U H
T tZ-fJ.rJ.j f' OI2.T
SIGNATURE OF APPLICANT
0)~
DATE 1'2/ f 5/0 e,
STATE OF FLORIDA
COUNTY OF COLLIER
The foregoing instrument was subscribed and sworn to before me this I '?tt day of ~ ,
20 O~, by ~ flAf.[y.., fl-rn p {.LeU . ~personallY lmo~r has
( Name of person aclmowledgmg) . .../
p~roduced. I as identification and who did.
; r!J-d i- 7~ dVl ~*'- L 11,1'" $. ~t:.Q.JJ 6e.f.G, ~
j SIGfATURE OF NOTARY PRINT NAME OF NOTARY
NOTARY PUBLIC COMMISSION # .M 51J+7, ~
NOTARY'S SEAL
COMMISSION EXPIRES:
~ ?);)-<J/D
~~~'A:':l.f.V.t.. Linda S. Van Den Bergh
;~ \~ Commission # 00504714
~" '~E' F
..,1-1.......~ xplres ebruary 13. 2010
· .ff.~ Ilonded T"', F... lII_o.1IlO eoo-3S5.7Il,g
4
AFFIDAVIT
I hereby certify that I have read and understand Code of Laws and Ordinance Chapter 142,
"Vehicles for Hire" and if I am granted a Certificate to Operate I will fully comply with its
provisions.
o ~#
(Signature of Applicant)
o
I /!JCA{.'.A;>O AHPj)U~ swear or affirm that all information on this Application
for Certificate to Operate is true.
STATE OF FLORIDA
COUNTY OF COLLIER
The foregoing instrument was subscribed and sworn to before me this 1'3 f:;!! r:I'1 bu. J ~J()"
~. . ~~L
By J r AU.i) {),n nl1.!A.I< who has produced ~'l fI d.l.J l {.Ii J{i/Tl .. lJ.L.
(N ame of person acknowledging) (Type of i entification)
As identification and who did take an oath.
4 ~ ~Uo~~R-
! Signature of Not
j J'l d r"L- 'l VrU..J, i\p AL6(f '--~ A..
Print of Notary
NOTARY'S SEAL
Notary Public commission # htJ 5liP1(Lf
~~'Jl.J.:;'t, Linda S. Van Den Bergh
:~,/'@"'-;f-; Commission # 00504714
~.~~i Expires February 13,2010
':f.ff,r;-.".... Bonded 1my fa'" In,,,ra_,1nt 800-385-70\8
Commission Expires
~,::J~, ~
5
AFFIDAVIT
Before me this day personally appeared HAe-l eL-LA ~ U l ULf'O who swears or affirms
. that the vehic1e(s) to be permitted meet(s) the safety standards as set forth in Code of Laws
and Ordinance Chapter 142.
It is understood and acknowledged by the Code Enforcement Department and myself that if
my vehic1e(s) that is/are permitted fail(s) to meet(s) the safety standards as required by this
Ordinance, the vehic1e(s) must be removed from service until all violations are corrected.
BUSINESS NAME f'J 4P u:0S
?0E-/v( I {) fA 1r2AtJ s Porc;T
SIGNATURE OF APPLICANT [! Qr.....-:-~ ~
DATE
\2-11 CO loB
STATE OF FLORIDA
COUNTY OF COLLIER
The foregoing instrument was subscribed and swom to before me this / &E:L day of ~,
20~by mOJt;ultJ... Gu....u.1fO ~sonall~OrhaS
( Name of person acknowledging)
produced
as identification and who did.
~ r1 aA- s.. VA-N .fJ~ Jbu..~
PRINT NAME OF NOTAR
NOTARY PUBLIC COMMISSION # bD 50'-1-7, '{
NOTARY'S SEAL
COMMISSION EXPIRES:
~I ~ d-ol c)
,,~~'~J':!;:!I!, Linda S. Van Den Bergh
g:(ib.-"~f: commission # 00504714
~..~~.~ Expires February 13,2010
,~}o~....., ~ ranee 100 801>-365-701..
"/f~~' SortcleO Troy fa\l"l In"" '
4
AFFIDAVIT
I hereby certify that I have read and understand Code of Laws and Ordinance Chapter 142,
"Vehicles for Hire" and if I am granted a Certificate to Operate I will fully comply with its
provisions.
.~~.~~*
(Signature of Ap cant)
I HAR.l ELL(\, Gu I ULFO swear or affirm that all information on this Application
for Certificate to Operate is true.
~~
STATE OF FLORIDA
COUNTY OF COLLIER
The foregoing instrument was subscribed and sworn to before me this l'riel!~" k 02e>Ol'
(Date,)
By fY)4f., eJ f Q. G.l" U I fO who has produced ( OJ (~~~ <J:J'-"-'>L t ~_
(Name of person aclmowledging) (Typ ofidentifica .on)
As inntification and who did take an oath.
i4cLu g -d~ UM~~
;Signature of Notary . .
~ n rJ..A- S. V4t-uJE-N t&a.G H-
Print of Notary
NOTARY'S SEAL
Notary Public Commission # OD~04-7 IV
Commission Expires
~2J~/O
_'."1, L'
.{;.!,.'(..r;f(t~ mda S. Van Den Bergh
g::."@"\~ Commission # 00504714
~i~J:~: Expires February 13 2010
'f~if.t~~" Snnr1",r1 TI'O~ Fit'" lnsuronce In!: 3O~3a5-70'9
5
COLLIER COUNTY GOVEiRN"MENtf
CRIMINAL HISTORY I BACKGROUND VERIFICATION REQUEST FORM
Date:
Pursuant to provisions of Chapter 119, F.S., and procedures outlined under Rule
Chapter 11C-6, F.A.C., we request a criminal history record (convictions and arrests)
check of your files.
Criminal history background check will be performed in this office. Please fill in the
blanks.
D
Name: R.f~
First Middle (full)
Address: -=t -:rq I IC)N~O C:T
(Number & Street)
Social Security No.: -:=t"::/-I lOCO
DOB: 00 / 16 / J~ '":to Sex: H
Height: <tJ - 02 Weight:2C1 0 Ibs.
DLNo.: A6-1~--=120-"':1O-016-'O
Race: W
Hair: 'hI2f)WN
(Color) ,
A-HPO€/LO
Last
;J AI' IJ~, i
(City)
15'14
FL
(State)
f'{ A fL I ~ L. L-A ELI 2A13lrlf-l
First Middle (full)
Address: 7 7CJ' .:JDNJ:.o c::r-
Number & Street
Name:
Age: '2><0
Eye: GI2.f&,fi-~
(Color)
a" fiJI-PO
Last
tv4rL~ ~
City
A-
State
Maiden
<34 i i4
(Zip Code)
Maiden
0/11/4
Zip Code
Social Security No.: 301
D~ 4507
6410- 546-7z--6~-o
DL No.: c.;.u
DOB: OS/26//172- Sex:
Height: 5-- 0 9 Weight: ;2 3 0 lbs.
Off,''''N -t~. )5..--1
/,)/)_5
F
Age: "3 b
G IZC-c,u
(Color)
Eye:
Race: vJ
Hair: 13 e,Ou: f\J
(Color)
---
;3C F5'3f55-Y
hi/JJ..
S..T..
..... .
r
r
~.;
RI,ING
CONSENT AND DISCLOSURE
LOCATION
DATE
I understand that Collier County Code Enforcement will utilize the services of STERLING TESTING SYSTEMS, INC., 249 West 17th Street, New
York, NY 10011, as part of the procedure for processing my PVAC driver Id application. I also understand if my application is granted, Collier County
Code Enforcement may obtain further infonnation through subsequent investigations by STERLING TESTING SYSTEMS, INC so as to update, renew
or extend my PV AC driver Id.
I understand a consumer reporting agency's investigation may include obtaining infonnation covering up to the last seven (7) years regarding, among
other items, references, character, driving record, past employment, work habits, education, general reputation, personal characteristics, mode of
rMng, judgment '"" tiens, subject to state '"" fed"",llaw. The ;ny_atlan also may ;ndude _inh'9 intonnatian relating to crlmin~ ..-. without
any time limitations, subject to state and federal law.
In the event an investigative consumer report is conducted, I understand such infonnation may be obtained by personal interviews with my
a<Xlu~ntances "' associates or _ oIhe<s whom I am a<Xluainled or who may"" knowledge =ming my characler, gereraI reputatio~ person~
characteristics or standard of living. I understand such infonnation may alsO be obtained through direct or indirect contact with fonner employers,
schools and public agencies or other persons who may have such knowledge.
I understand that 1 have the right to receive notice about the nature and scope of any investigative consumer report requested within five (5) days after
the Company receives my request or five (5) days after the investigative consumer report was requested, whichever is later.
a By filling in this circle, I indicate that I wish to receive further disclosure about the nature and scope of any Company request for an
investigative consumer report.
I acknowledge that I have received the attached summary of my rights under the Fair Credit Reporting Act.
I also understand that before my application is denied based, in whole or part, on infonnation obtained in the investigative consumer report, I will be
provided a copy of the report and a description in writing of my rights under the Fair Credit Reporting Act. I understand if I disagree with the accuracy
of any infonnation in the report. I must notify Comer County Code Enfonoement _in fNe (5) business days of my ",,,,;pi of the report. If I notify
Collier County Code Enforcement within five (5) business days of the receipt of the report that I am challenging infonnation in the report, Collier County
Code Enforcement, will not make a final decision on my application status until after I have had a reasonable opportunity to address the infonnation
contained in the report.
I hereby consent to this investigation and authorize Collier County Code Enforcement to procure an investigative consumer report on my background
as stated above from STERLING TESTING SYSTEMS, INC. In order to verify my identity for purposes of the background investigation I am
voluntarily releasing my date of birth for my own benefit and fully understand that age is not a consideration of the application process.
l11lA.JBJ I Ie: rr=1!JA[ I LD-L\ I I Iii
~
~I
. cfru I ~ ~] M.O~"~
~ ~ r;12!ema.
[lJIAlcupnefflSI ~ I 0 [ALl 34 itatlh.'dd"'"
Zip Code
oJ ~thl ~L
~sl I 1LIll-L-LJ rn 3 104
city State Zip Code
G 4 f 0 S 4 6 [flJ bloi1 \?1i611iSioi7l
Dnver's ucens~e .. State Social Security No.
rvJ(o.N~ ~-" (ZI/6Io8
Signature Date' f
Minnesota & Oklahoma applicants Only: I have the right to request a copy of my consumer report from Sterling Testing Systems, Inc. by
checking the box below. Sterling Testing Systems will mail the consumer report directly to me. Minnesota Applicants Only: I have the right to make
a written request to the consumer reporting agency to provide me with a complete and accurate disclosure of the nature and scope of the consumer
report.
u
o I wish to receive a copy of the consumer report. (Check box only if you wish to receive a copy)
nl.ge:::: i Ui .J
PrintResults
~ S.I~.R.~J ~".G
Code Enforcement Div. Collier County
Order#: 8938958
mariella guiulfo
subject Profile
PO# "a
Last Name . __,___._.... ._ ~uiu~f~.
FirStN8m;---- ~-=-__==_===-===-=_.~..:---=---.. ____ _---~--_--P!.ri.!!I~- ____u___ .-"
Middle Name e
Date of Birth (mmldd/yyyy) 05128/1972
Pho;;e-----------.---...-.. .--.. .--..--. ..- ..m...___._....__.______._ . .-.-.-...-- -----------
Projected Salary .---------.------.-.--------;;uA-.-- .---.--.-----..----------
Job State FL
Current Address
...-...-.----.--- -,' ..--- ------ -- ..-----..-------
7791 ionoi court
CIREC""
....----.--.-.--
.--.,...---- -- -----.- ---.--.
--.---.--------...--- -"--
Address
Apartment Number.
City
State
Zip
_~e~~___.___.
FL
_.~--------_._._----- ...-.------.----------
Previous Address
--.-------------------
--~--_.--_._-----
Address
Apartment Number
City
State
ZIp
-----------------------.---------------..
-------.------..--.-----..
..------------.-.-.--..-------.-----. -.--- ----_._._._-~--
Additional infomlation
Applicant Em ail Address
Company
.__~~e E!l!~e,:"~! !?~~~!!!.e~~.?_u~ty.._.___..__.___.~_______________
---..--------.....----. --.--
Results Status
Service
CRIMINAL RECORD SEARCH
Status
3 CLOSED
1 CLOSED
Findings
Clear
See Results Below
MOTOR VEHICLE REPORT (MVR)
SEXUAL OFFENDER DATABASE SEARCH
1 CLOSED
.- .--~ ,,-------------_._~.__.._~-_._---_. - -_.-_._~-_._-
Clear
----'"'-~,--_.. ---",:,._..,-.,---~~~----- ...-.---..-.-......,..-:-: -,. ....----
, CcUSED
Alert
SOCIAL SECURITY TRACE SEARCH
CRIMINAL RECORD SEARCH . '.. . .
The crlmlnallnfonnatlon reported on this website appears exactly as it Is received from the local Jurisdictions and may contain infonnation
which would be prohibited for use in making hiring decisions. Therefore, it is advisable to consult your corporate counsel prior to making any
adverse hiring decisions. .---.. -.---- ------------ ---------..- -..-------.---
City: State: NW Zip: County: NA T10NWlDE
Status: CLOSED
RNDING: Clear
. ---------... -.----------.------..-----.-------
-------------- ---...------
--_._-----_._-----------~---
-_.. - - ------- - --....- -.------. ------ --'- -- -..-
*************************************************************************
-----.------.--..-
. THE INFORMATION IN THIS REPORT IS THE RESULT OF A DATABASE SEARCH AND .
. HAS NOT BEEN OBTAINED THROUGH STERLING TESTING SYSTEM'S STANDARD
. CRIMINAL BACKGROUND RESEARCH METHODS.
**************************************.***..*********.*******************
--------.----.--..----- _._---------~.._-_._-------~._._---_.
NO CRIMINAL CONVICTION FOUND.
City: naples State: FLZip: 34114 County: COLLIER
Status: CLOSED
FINDING: Clear
No criminal convictions fO;:;~.------. -----------..---.------------------------
---'-- -.-.----.-. -~--_._--_.- -----------.
-_.- ._._---- ..---.- _..--------.._~-- .--------~--.
-_._~.- - ------.--..--------
--- -_.- -_.-- - --" ----------- -.-..------
----.---- -....-------------..--.---
City: Stale: OH Zip: 44106 County: CUYAHOGA
St8tUs: CLOSED . -- -
FINDING: Clear
---.---- ----.---.----.------. -'- .-.-.--
.-.-..- ...-p' --... - .---------..--.-.-----
~----- -- .-_. _. -
.~_._----- -..- ~-.. ..-...---.--.---- ----.-..-.---- .-.------ --------
No criminal convictions found.
Back to Findings
MOTOR VEHICLE REPORT (MVR)
Status: CLOSED
RNDING: See ResunSBeloW ---------. .
REKLl\MI PRINT IMAGE 80
START OF DRIVING RECORD
. ------.....-..-----------...-- -'---'- _....----- -------.---------...-.-
FLORIDA Driver Record - B8178
Order Date: 12/23/20D8
Host Used: Online
Reference: 8938958_3
Period: THREE YEAR
License: G41054512688D
Report Clear:NO
Name: GUIULFO, MARIELLA ELIZABETH
P.ddres s:
City, St:
,.__ _L__....:__
___ /moh,4;1"ol"t1 /T'P~l11t~fPrintResults.asDx? Archive=
12/23/2008
rag\:: L. U1 ~
PrintResults
A" ufo
AGE:
Sex :
Eyes:
Hair:
Weight:
Height:
DOB
Iss Date: 07/29/2008
Exp Date: OS/28/2012
Year License First Issued: 07/12/2004
STATUS: VALID
MVR Score
SCORE:
ELIGIBLE
Violations/convictions And Failures to Appear And Accidents
TYPE VIOL
CONY
ACD AVD v/C
DESCRIPTION
CONV 03/22/07 04/26/07 M17 MA17 532 FAIL TO OBEY TRAF INSTR SIGN/DEVICE
LOCATION/DOCKET: COLLIER/4282ERX PTS: 3
suspensions/Revocations
ACTIONS
ORD/DATE
EFF/DATE
CLR/DATE
END/DATE
CODE
AVD
NO ACTIVITY
// \
1\
Stat~_.)
License and Permit Information
License: PERSONAL Issue:07/29/2008 Expire:05/28/2012
License Status Explanation: ELIGIBLE
Class:E REGULAR OPERATOR
RESTRICTION: CORRECTIVE LENSES
Miscellaneous State Data
.. ENTRIES BELOW COVER THE PAST 3 YEARS ..
MISC: EXAMS VISION~l ROAD SIGN~l ROAD RULES~l DRIVING~l
MISC: EXAMS MCYCLE RULES~O MCYCLE SKILL~O
BLOCK PERSONAL INFORMATION ..
.. BLOCK FOR MAILING LIST ..
.. THIS PERSON HAS A DIGITAL IMAGE
Unde.r-\olriting:
Policy
Initials:
IFOR STATED BUSINESS
IPURPOSES ONLY
\
I
I
Date:
/.
Issue Date:
/ /
Control Number: J1I39L
END OF DRIVING RECORD
---------------.
Back to Findings
SEXUAL OFFENDER DATABASE SEARCH
State: F / 0
Statu . CLOSED
FIN NG: Clear '
No ound
Back to Findings
---.-.----..-..
--------------------
-..------ -.---..--------------.--.--..--..----.-
SOCIAL SECURITY TRACE SEARCH
Slatue: CLOSED
FINDING: Alert
--..-----..- .-.-.--.--- .-..-.---.- -"---' -.------
...*++*...****************** Social Security Trace
******.********.*****.*******
********************************************************************************
GENERATED: 12/23/2008 11:52:40 AM
TRANSACTION 10:0016631315-4463
1.
NAME
MARl ELLA ELIZABETH GUIULFO
SSN VALID STATE ISSUED
***-**-**fifi YES OHIO
DOB
OS/28/1972
DATE ISSUED
08/0112002
ADDRESS
7791 IONIO CT NAPLES, FL 34114-2647
FROM
2007
TO
12/2008
2.
NAME
MARELLA
SSN
*#fi-**-UU
L GUIULFO
VALID
YES
STATE ISSUED
OHIO
DATE ISSUED
08/01/2002
ADDRESS
7791 IONIO CT NAPLES, FL 34114-2647
FROM
03/2007
TO
08/2007
3.
NAME
MARIELLA
SSN
Ufi-U-UU
GUIULFO SIVERIO
VALID STATE lSSUED
YES OHIO
DATE ISSUED
08/01/2002
_1_:____
1 ?/?i/?OOR
r lllllI\.C:SUll:S
I\l)DRESS
7791 IONIO CT NAPLES, FL 34114-2647
409 GABRIEL CIR APT 3 NAPLES, FL 34104-8423
6855 HUNTINGTON LAKES CIR APT 201
NAPLES, FL 34119-8036
11095 WINDSONG CIR APT 204 NAPLES, FL 34109-2630
2111 LENNOX RD APT B CLEVELAND, OH 44106-3255
2110 FAIRVIEW AVE APT 2 CLEVELAND, OH 44106-2370
4.
NAME
MARl ELLA
SSN
U#-U-UU
STATE ISSUED
OHIQ
GUIULFO
VALID
YES
ADDRESS
409 GABRIEL CIR APT 3 NAPLES, FL 34104-8423
6855 HUNTINGTON LAKES CIR APT 201
NAPLES, FL 34119-8036
2110 FAIRVIEW AVE APT 2 CLEVELAND, OH 44106-2370
2111 LENNOX RD APT B CLEVELAND, OH 44106-3255
5.
NAME
MARELLA M
SSN
U#-##-U##
STATE ISSUED
OHIO
GUIULFO
VALID
YES
ADDRESS
409 GABRIEL CIR APT 2203 NAPLES, FL 34104-8459
6.
NAME
MARl ELLA
SSN
#U-U-#U#
STATE ISSUED
OHIO
E GUIULFO
VALID
YES
ADDRESS
11095 WINDSONG CIR APT 204 NAPLES, FL 34109-2630
7.
NAME
MARELLA A
SSN
U#-U-#u#
STATE ISSUED
OHIO
GUIULFO
VALID
YES
ADDRESS
11095 WINDSONG CIR APT 204 NAPLES, FL 34109-2630
FROM TO
04/2007 0812007
1012005 03/2007
12/2004 0312006
04/2005 12/2005
OS/2003 0612004
09/2003 09/2003
DATE ISSUED
08/01/2002
FROM TO
10/2005 03/2007
12/2004 03/2006
09/2003 12/2004
02/2003 07/2004
OATE ISSUED
08/01/2002
FROM TO
0912005 0112006
DATE ISSUED
08/01/2002
FROM TO
08/2004 12/2005
DATE ISSUED
08/0112002
FROM
08/2004
TO
12/2004
----------------------------------------------------------------------------
END-USER IS NOTIFIED THAT FOR LEGAL AND PRACTICAL REASONS INFORMATION
OBTAINED THROUGH A SOCIAL SECURITY NuMBER TRACF: SHOLrLD BE USED . ONLY TO
VERIFY THE INFORMATION PROVIDED BY THE CONSUMER ON HIS/HER EMPLOYMENT
APPLICATION. INFORMATION OBTAINED THROUGH A SOCIAL SECURITY NUMBER TRACE
SHOULD NOT BE USED ALONE OR IN CONJUNCTION WITH ANY OTHER INFORMATION TO
MAKE AN EMPLOYMENT DECISION.
..END OF NETWORK TRACE..
----------------------------------------------------------------------------
.........***++*********.*****************************+**********************
PLEASE NOTE THAT THE RESULT OF THE SOCIAL SECURITY TRACE SEARCH YIELDED THE
FOLLOWING NAMES IN ADDITION TO THE NAME ORIGINALLY ENTERED FOR THE APPLICANT:
MARELLA L GUIULFO - FIRST NAME DOES NOT MATCH. (SEE #2 ABOVE)
MARIELLA GUIULFO SIVERIO - LAST NAME DOES NOT MATCH. (SEE #3 ABOVE I
MARELLA M GUIULFO - FIRST NAME DOES NOT MATCH. (SEE #5 ABOVE I
MARELLA A GUIULFO - FIRST NAME DOES NOT MATCH. (SEE #7 ABOVE)
PLEASE REVIEW THE RESULT AND CONTACT OUR CLIENT
AT CLIENTSERVICES@STERLINGTESTING.COM TO CONDUCT
ADDITIONAL NAMES ON THIS REPORT (AN ADDITIONAL CHARGE
NAMEl.
SERVICES DEPARTMENT
SEARCHES UNDER ANY
WILL APPLY FOR EACH
****************************************************************************
.. ___Back t~ FinQiI)9!-___________
Copyright C 2008 Sterling Infosyslems, Inc.
,. ~_ _ _ II_.J _...__1:_ ....._~...:_~ ~~~ /,"o1-..r1;..o"t~ 1"",c,,1tcfPMntR P';:11lt~ ::l~nx? A rchive=
rag\:: -' U1 -'
12/23/2008
Social Security Collection Information
Sterling Testing Systems, on behalf of the Collier County Code Enforcement
Department, a department of the Collier County Government Agency, is
authorized to collect your Social Security Number for the performance of its
duties and responsibilities as prescribed by law. Your Social Security Number
shall be collected for one or more of the following reasons:
1. Obtain information relating to criminal records
2. Run Social Security Trace Search
3. Search Sexual Offender Database
4. Run Motor Vehicle Search
Your Social Security Number will only be collected and disclosed for these listed
purposes, and as may otherwise be authorized by law, and once collected, will
be maintained as a confidential and exempt record under Chapter 119, Florida
Statutes, by this company and the Code Enforcement Department on behalf of
the Collier County Government Agency."
.c,
I I<JCAtZW 4HPu~
c-L~U
Signature of apPliJnt
, have read and understood the paragraph
/2/lejofb
Date
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CERTIFICATE OF INSURANCE
POLICY NUMBER: 73APG006250
This cerlificate of insurance is NOT an insurance policy and does not amend, extend or altel the coverage afforded by the policy listed herein.
The terms, conditions and exclusions of the porley govern the rights and obligations of the Company to the named insured and any other
insureds and may limit coverage. Provisions of any other contract, including agreements between the insured and anyone else, cannot and
do not amend, extend, or alter any terms, conditions or exclusions in the parley. Additional insured and other endorsements may be
authorized only by the Company or their appointed General Agents. \lllhere reference is made to an Aggregate Limit, such limit is the
company's maximum liability under the porlCy for the entire policy period regardless of the number of insureds, claimants or occurrences.
Date 1211612008 1:35 PM
NAMED INSURED RICARDO AMPUERO DBA: NAPLES PREMIUM TRANSPORT
NAMED INSURED'S ADDRESS 779110NIO CT NAPLES, FL 34114
INSURANCE COMPANY NAME:
INSURANCE COMPANY ADDRESS:
NATIONAL LIABILITY & FIRE INSURANCE COMPANY
3024 Harney Street . Omaha, Nebraska. 68131-3580
Auto Only
UMITS INCEPTION DATE
EXPlRA TlON DATE
11/101200811:49 AM
125,000 11/10/200912:01 AM
$
$ 300,000
$ 100,000
$ N/A
$ N/A
$
Other than Auto
$ N/A
$ N/A
POLICY NUMBER
TYPE OF INSURANCE
73APG006250
AUTOMOBILE LIABILITY
Bodily Injury
Property Damage
Bodily Injury & Property Damage
Each Person
Each Accident
Each Accident
Combined Single Limit
In-Tow Coverage
Other.
GARAGE LIABILITY
Bodily Injury & Property Damage
Combined Single Limit $
Aggregate Umit
Garagekeepers Coverage.
o Legal Liability 0 Direct Primary 0
. Other.
$
$
N/A
N/A
CARGO COVERAGE
Cargo Limit
Other.
$
$
N/A
N/A
Vehicle Schedule
Vehicle Number (Year Make Model VlN)
2005 CHRYSLER 300 2C3JA53G35H615916
Comprehensive or
Specified Causes
N/A
Stated Phys. Dam.
Amount Deductible
NlA N/A
This Certificate Issued to:
Collier Countv Board of Countv Commissioners
Public Vehicle Advisor Committee 2800 N Horseshoe Dr
Naples, FL 34104
M-4579a (0112008)
This Certificate Issued bY:
Insurance Counselors, Inc.
One GElCO Boulevard
Fredericksburg, VA 22412
1211612008 13:39 - PROOF COPY 961A6132~3A8-4B03-AE7B-8E862BBE22CC
L.Il:::;CUOI '~UCIJUt::J
vumraClI'lUmOer
Seller-Creditor (Name and Address)
Buyer's Birth Month: Co-Buyer's Birth Month:
You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle
on9reciitllndElr the agreements on the front and back of this contract. You agree to pay the Seller - Creditor (sometimes "we" or .us" in this
cC)ntr~ct) tile Amoilnt Fiqanc~?-IlP Finance Charge in U.S. funds according to the payment schedule below. We will figure your finance charge on a daily
basis at the Base Rate'of ~% per year. The Truth-in-Lending Disclosures below are part of this contract.
Q
Co-Buyer Name and Address
(InC!!Jp!oQ RR?P~~,~~M!pqode)
,,\~,~:~J,..;,,';.,,~-.i,.l ;-::':~~' :'_.~:'-;-:"~
ame a.nd Actdress
L9"U.aty.~~~~~;~e~1
Y-'.)'~}-'l~. ':'r~J2r.!.1 {)
,~'Att.tSt 'CC~L <
i~.
j.. ;'~
FEDERALTRUTH..IN-LENDlNGDISCLOSURES
FINANCE Amount Total of
c::HAFl9,E Financed. Payments
The dollar The amount of The amount you
amount the credit provided will have paid after
credit Will to you or you have made all
cost you. on your behalf. payments as
. scheduled.
Total Sale
Price
The toial cOst of .
your pun:ha$eori
credit,. includin9
your down
payment,of
.~~~~i:i~::i U(~s
$
'j.; '1
~':;' ,J.c
?~$65 . 5:F~
,Ai
When payrrients
Are Due
Monthly beginning i II t'
Or As Follows:
Late Charge. If payment is not received in lull within ~ days after it is
6f?i)'.a';''''%of!~~l#'I..~'iri1Ei.Ilt'i}'''''i''~'''i.: ... .... .......... < ..... ..... ·
Prepaymenllf you.pay off all your debt early. you may have to pay a penalty.
Security Interest. You are giving a security interest in the vehicle being purchased.
Additional Infonnatlon: See this contract lor more information including inlormation about nonpayment,
default, prepayment penalties, any required repayment in full before the scheduled date and security interest.
ITEM... .... . .....lZAiioNOF.AMOUNT 8NANCED "
" :. _:'_"::: -: '_ -".. ",'_ .L,: '~',{:\:' ^~:iL:
1 Cash Price Onclllding $ ~ oj "'"" ,-,;; sales tax)
2 Total Do\Ynpaymel'l$=,
Trade-In;;)~ DDiKit:
(Year) (Make)
$
i"~UQ~
::,'::U~,~
(M()del)
Trade-In
';_.~.;:h;~~~:;AEC 'J' i7~1 ~?:~~~<j:?
(VIN)
Gross Trade-In AllowanCe
Less PayOff Made By Seller
Equals Net Trade In
+ Cash
+ Other
(II total downpaymentis negative,El~er'Tan~see4J~elowl
3 Unpaid Balance of C~sh Price (l.rniPllS'ff} '.,i'
9!Ile~90YOuf Beh8Jf
keep part of these amounts):
A Cost of Option, Ii QreditlnsurapcePciid lolnsUfi!Oce
. CoIT1pany or (!;QmP'loies, . .
UfeS!i.5P<
Disability $ \~i.!~
B Vandor's Single Interest Insurance J>aid to Insurance Company
C Other Optional Insurance PaidtomsuranceeompariyocCompanies
iL.iiD..O.tio~~'i>>......'...' .................. .....<........... . .
.',;,,"::E;i., .. i-.... iio.GOiMimlrientc.~~jf'"},:.X..~Li.i,.;. .,.",;:L'.:,;,;:
F Government Documentary Stamp Taxes
G Government TaxesNoUncludedin Cash Price
HGovemmeJit licenseand/or Registration Fees
$
$
$
$
S
. ,:.'i
-.; ~)~~,j
$ 'It,: r~
$ u fi1
Govemment Certificate ofTrtle Fees
.,-,,-'--: ';.- _.' ,
:' .'..' '.
Prirrlfli)' .lJs~ l"or.whicr.P.ur9l)f1s~d
o personal, family or house'holCt
o business ..
o agricultural 0
Insurance. You may buy the physical. damage insur-
ance this contract requires (Sflllbllck) Irom anyone
you choose who is acceptable to lis. You are not
required to buy any other insurance to obtain credit
unless the box indicating Vendor's Single Interest
Insurance is required is checked below.Your choice of
insurance providers will not affect our decision to sell
you the vehicle or extend credit to you.
II any insurance is checked below, policies or
certificates lrom the named insUrance companies will
describe the terms and cond"rtions.
Check the insurance you waTlt aTld sign below:
Optional Credit Insurance .
o Cred"rt Ufe: 0 Buyer 0 Co-Buyer 0 Both
Term
o Credit Disability (Boyer Only)
Term
Home Office Address
(1)
Credit life insurance and credit cflSilbility insurance are not
required to obtain credit Your decision to buy or not to buy
crecfrt rife insurance and credit. .disabi1ily insurance. will not be a
faclor in the credit approval process. They wiD /lOt be provided
unless you sign and agree to pay the extra c:osllf you choose
this insurance. the cost is shown in Item 4A of the Itemization
of AmouJit Financed. Cred"lllile insurance is based on your
original payIT1!lIlt scheduIe.1his insurance may not pay aD y.?u
D\'Illoothis cOOtiact if you in8ke Ialepayments. Credit disability
insurance does not cover any increase in your payment or in
1I1e number of payments.
II the box above is checl\ed to. ind'K:ale. tIml you want credit life
insurance, please read and sign the folloWing acknowledgments:
1. You understand that you have the option 01 assigrnng any
other policy or policies you own or may procure IQr the purpose
01 covering this. extension 01 cred.it andlhalthepcilicy /lead not
be PurC\111Sed .Irom us in order lCl obtairl. the exteilsion 01 credit.
Xi>
Date
Date
nth,u nntlnn..t In!::lIr~nr.F!
..
$ ,'i c
$
$ ".;,-..,
$ ___2__"-
$'.:.; .
$ ..
$ ,.
to for
to for
to lor
to for
--"--~
to for
to lor
to lor
Total Other Charges and Amounts Paid to Others on Your Behalf
5 Loan Processing Fee Paid to Seller (Prepaid Finance Charge)
6 Amount Financed (3 plus 4)
$
$
$
(4)
(5)
};.
(6)
~ ! "
:) ;-.';
OPTION: o. You pay no finance charge if the Amount Financed, item 6, is paid in full on or before
., : !", , Year ,"i n'. . SELLER'S INITIALS
OPTIONAL GAP CONTRACT. A gap contract (debt cancellation contract) is not required to obtain credit and will not be provided
unless you sign below and agree to pay the extra charge. If you choose to buy a gap contract, the charge is shown in "em 40 of the
Itemization of Amount Financed. See your gap contract for detaDs 00 the terms and conditions it provides. It is a part of tIis contract.
Term
Mos.
! .~ ,{
Name of Gap Contract
Buyer Signs X
o VENDOR'S SINGLE INTEREST INSURANCE (VSI insurance): If the preceding box is checked, the Creditor
requires VSI insurance for the initial term of the contract to protect the Creditor for loss or damage to the vehicle
(collision, fire, theft). VSlinsurance is for the Cre<frtor's sole protection. This insurance does not protect your
interest in the vehicle. You may choose the insurance company through which the VSI insurance is
ob~n!Hi. If you elect to purchase VSI insurance through the Creditor,the cost of this insurance is
$ it ; ;c and is also shown in Item 48 of the Itemization of Amount Rnanced. The coverage is lor
the initial term 01 the contract.
You authorize us to purchase Vendor's or lender's Single Interest Insurance.
Buyer Signs X
Co-Buyer Signs X
Date:
Returned c.'heck Charge: II any check or order of payment you give us is dishonored, you \WI pay a charge II we make demand that you do
so. The chaIge wiD be $25 if the checkarilount is $50 or less; $30 II the check is over $50 but not more than $300; $40 lithe check amount is
over $300, or such amount as permitted by law. .
Iype or Insurance
Premium $ ,,(,' c,
Insurance Company Name
lerm
HOOle Office Address
o ,'~
Type of Insurance
Premium $ i ./'
Insurance Company Name
Term
;. ',:
",;. ".'"
Home OffICe Address '"" ,. /
'_: f'...,
",'"
o i,i!."..
Type of Insurance
Premium $;';1 ii',
Insurance Company Name
;';; p.
Term
.tJ/p;
~'f /' u:
Home Office Address
~:)~ / };t.
.,;:~- /' /-~
Other optional insurance is not required to obtain creal!. Your
decision to buy or not buy other optional insurance will not be
a.fl1c:tClrin\hEl. Cf!l(Iit.~~. pr~.Jt~.f)()tPll plllVide<l
,. unless yotlsign <lJld'l!greetopay1he exffifcost.".
I want the insurance checked above.
X ) :, ! :'>;,
Buyer Signature ., . .~
X
Co-Buyer Signature
~. ~i j~.~.ffi/;:j~"~1r;,(~.':-:
, _J "'> "D"ate'
LIABILITY INSURANCE COVERAGE FOR
BODILY INJURY AND PROPERTY DAMAGE
CAUSED TO OTHERS IS NOT INCLUDED IN
THIS CONTRACT.
I
NO COOLING OFF PERIOD
State law does not provide for a "cooling off" or cancellation period for this sale. After you sign this contract,
you may only canc:el. it iUhe seller~greesor for legal cause. You cannot cancel this contract simply because
you change yoUrf1ljOc::l~Tl'1i~nc:>>tic~c::Iq~S..I1()tClpply~().home solicitation sClle~.
The.Jln"ualJ:'fll!~~Ii*;,g~:Ff~teiin}iyJJl#nego~tiible..with the Seller.. TheSelief fHay'iisiligniiljis contract
anclretain itsriglltto,rec;eivea pari of the Finance Charge. . . .
SE~~ER~~.~u~lir1"q...
Se.ller the rightto qal}cel
x . .
Buyer Signs
,b.7.!!B~~r:.~.... .
yer sign her~, the, provisions of the Seller's Right to. Q~ncetsection ol;l~.the.!?aS;~lwl:li~F:19ive& thew, ,."
days. willapply: .... . .. - .
X
Co-Buyer Signs
flO\\ifHjscOtmtACT'CAff'BE:CHANGEDiThiSOOri~clqohtainslheentirea~r~ment ~~~en. .0(\ i1Srefating to this COI11ract Any chang~t() this gontraClrnu~f'6~.iri
must sign it. No oral changes are binding. Buyer Signs X /\JXu..: ~'l:;cy '!"" .. ~l. eo-Buyer Signs X \,,,.~,,.ti, ,~_i,/ .
II any part of this contract is not valid, all other parts stay varrd. We may delay or refrain from:~!J!orcmg anyol our rights under this contract without losing them. Fofexample, we
may extend the time for making some payments without extending the time for making others. .
See back for other Important agreements.
NOTICE TO THE BUYER= a) Do not sign this contract before you read it or if it contains any blank spaces. b) You a~e
entitled to an .exact copy of the contract you sign. Keep it to protect your legal rights.
You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were
free to take it an~ revi:~,it~ Yo.~ confirm that you received a completely filled-in c~PY~hen'Y04 sj~"ed it.
Buyer Signs X(1,.t;(cfL~:~;c;;;;:~:c.::k:-=,:. . . Datel;'7/);;'/'?{lCQ-Buyer SignsX-,c\"'o;::"..~,~:;,.,,,,--~:~lt.~l. . ........ .... [)atEliif.f~'~j~{;t}fj
Co-Buyers andOihe[9"Vnf;lrs isapersoowho isresponsiblefoqiaymg the entire debt. An other owner is a person whosename'-lS on the.litleto IhElVehicl~bliti ..... ....
does not have tl;) PayJ,hE!llf;ll:ltV . ..o.tj'l!l.seclImyillterest in lhEivehiclegiven to us. in this cOntract. . . .
Other oWner slgn~ l1e~'?(i'< ... .. ...-,
Seller signs (~;I~t!:<; Title
};;:~ Assigned without recourse
(Assignee) under the terms of Seller's agreement(s) with Assignee.
Electronic Articles of Incorporation
For
P07000115042
FILED
October 1912007
Sec. Of Stale
epeterson
GUIAMPU CORP
The lUldersigned incorporator, for the purpose of fonning a Florida
profit corporation, hereby adopts the following Articles of Incorporation:
Article I
The name of the corporation is:
GUIAMpU CORP
Article II
The principal place of business address:
7791 IONIO COURT
NAPLES, FL. 34114
The mailing address of the corporation is:
7791 IONIO COURT
NAPLES, FL. 34114
Article III
The purpose for which this corporation is organized is:
ANY AND ALL LAWFUL BUSINESS.
Article IV
The number of shares the corporation is authorized to issue is:
1000
Article V
The name and Florida street address of the registered agent is:
RUTH BARRETO
6855 HUNGTINGTON LAKES CIRCLE
. NAPLES, FL. 34119
I certify that I am familiar with and accept the responsibilities of
registered agent.
Registered Agent Signature: RUTH BARRETO
Article VI
The name and address of the incorporator is:
RUTH BARRETO
6855 HUNGTINGTON LAKES CIRCLE
NAPLES, FL 34119
Incorporator Signature: RUTH BARRETO
Article VII
The initial officer(s) and/or director(s) of the corporation is/are:
Title: P
RICARDO AMPUERO
7791 IONIO COURT
NAPLES, FL. 34114
Title: VP
M~LLA GlmULFO
7791 IONIO COURT
NAPLES, FL. 34114
Article VIII
The effective date for this corporation shall be:
10/18/2007
P07000115042
FILED
October 191~007
Sec. Of Stam
epeterson
FLORIDA DEPARTMENT OF STATE
Division of Corporations
November 5, 2008
NAPLES PREMIUM TRANSPORT
7791 lONIO CT
NAPLES, FL 34114
--.--.--. - -"------------ -- --..--------.--. -
----.-.---- ----. -------
Subject: NAPLES PREMIUM TRANSPORT
REGISTRATION NUMBER: G0831 0900065
This will acknowledge the filing of. the above fictitious name registration which
was registered on November 4, 2008. This registration gives no rights to
ownership of the name.
Each fictitious name registration must be renewed every five years berNeen
.January 1 and December 31 of the expiration year to maintain registration.
Three months prior to the expiration date a statement of renewal will be mailed.
IT IS THE RESPONSIBILITY OF THE BUSINESS TO NOTIFY THIS OFFICE IN
WRITING IF THEIR MAILING ADDRESS CHANGES. Whenever corresponding
please provide assigned Registration Number.
Should you have any questions regarding this matter you may contact our office
at (850) 245-6058.
Fictitious Name Section
DiviffieA-Gf CGi-p0fations
Letter No. 108A00056321
'T'""\.- . .
Marlella Guiulfo, MBA
MO--:~
.
7791 Ionio Ct, Naples FL 34U4
(239) 919-9246
mguiulfo@sprint.blackberry.net
PROFESSIONAL SUMMARY
Manufacturing operations executive with 10+ years of management experience and consistent success in achieving revenue,
cost, productivity and delivery goals. Proven ability to guide and lead highly skilled, cross functional teams in the design,
development and launch ofleading-edge solutions and processes including nT, Total Quality Management, and MRP system
implementations. Effective Analyst, problem solver and bilingual communicator.
CORE COMPETENCIES
Supply Chain Management Principles (demand based planning process and MRP system) Kanban, EOQ .
Operations & Process Reengineering (through root-cause analysis, process management and fiT initiatives)
Problem solving and change management. Start-up and turn-around operations. Cost Control Strategies.
Facilities Operations Revamping. Workflow Planning. Lean Manufacturing Practices.
Case Western Reserve University, Weatherhead School of Management, Cleveland, OH MBA, May 2004
University of Lima, Lima, PerU B.S; Industrial Engineering 1997
PROFESSIONAL EXPERIENCE
Inovo / Chad Therapeutics. Naples, FL, USA Nov 2006 - Present
Supply Chain Manager
. Recruited to new management team of a manufacturer of oxygen conserving regulators with currently 100
employees generating $15 million in annual sales. Instrumental in company's reorganization, system setup after
acquisition, development of policies and procedures and new systems implementation.
. Diverse Scope of responsibility including Inventory Control, Material management, buy agreements, operations,
work order management, staff training and supervision, financial cost variances analysis, BOM management and
Control. MAS200 proficiency.
. Managed transition from average costing to standard costing for over 1000 parts. Implemented transition and change
from a backflush only inventory contr:ol system to a mixed automatic issuance / backflush bin system based
inventory control system.. .
. Collaborated in Quality Assurance with first article inspection and daily inspections for CNC machine shop when
needed.
Rollsecure Shutters. Naples, FL, USA May - Nov 2006
Production Manager
. Developed and implemented a Production Control System which increased Productivity by 20%. Decreased labor
expenses by 30%.
. Responsible for production planning and control. Managed over 30 workers. Three shops.
. Developed and maintained an inventory control system.
. Estimated and calculated product specifications for Production. Developed a management tool for that purpose.
Z-Man Screen & Aluminum. Naples, FL, USA 2004 - April 2006
production Manager
. Organized inventory layout of materials and equipment; developed and maintained inventory control system,
decreased material costs by 10%. Increased Productivity by 40%
. Responsible for production planning and control and MRP. Managed 3 service crews. Prepared managerial reports.
. Proficient with Cage Master 2005, aluminum contractor software for pool enclosures designing and layout.
. Estimated and calculated new proposals, cost analysis based. Developed cage designs and layout following
appropriate engineering codes.
White Dove Mattress Ltd. Cleveland, OR, USA 2003 - 2004
Marketing and Operations Intern
. Reorganized inventory layout of raw materials; decreasing labor costs by 5%.
. Forecasted demand and developed analytical inventory management tool to establish EOQ; decreased inventory
expenses by 25%.
. Developed and implemented marketing strategy for referral program. Increased sales by 15% and client enrollment
by 20%.
Ricardo Ampuero
7791 Ionio Ct.
Naples, FL 34U4
(239) 331-5261
rampuero@comcast.net
PROFESSIONAL SUMMARY
Strong Business and Information Systems background with proven expertise leading systems departments. 8 years experience in
strategic planning, project management, development and implementation of managerial systems and web design. Excellent
interpersonal and troubleshooting skills.
EDUCATION
San Martin de Porres University, Lima, Peru 2003
Computer Science and Systems Engineering Program
Telematic Institute, Lima Peru 2000
Web Development and HTML Design
Oracle Peru, Lima, Peru 1997
Architecture and Data Base Administration (DBA)
University of Lima, Lima, PerU 1993
Systems Engineering Program
PROFESSIONAL EXPERIENCE
TLC Transport Inc.. Naples, FL 2008
. Driver, Operator of non emergency transport vehicles. Specialized on stretcher and wheelchair transportation.
. .. Worked as a Dispatcher for 12 vehicle fleet. Used GPS vehicle tracking system.
. Training of drivers in the use of stretchers and wheelchairs and handling of patients.
Guiampu Corp. Naples, FL
President
. Managed the design and implementation of web sites and internet application projects.
2007 - 2008
Organization of American States. Lima, Peru 2004 - 2006
AICMA PERU Program, (Comprehensive Action against Antipersonnel Mines Program)
Data Base Administrator
. Managed the Information Management System for Mine Action (lMSMA). In charge of System Maintenance and
Updates in coordination with the Geneva International Centre for Humanitarian DMn111111g (GICHD).
. Supervised data entry recorded on field surveys. Synchronized OAS Peru database with both the Peruvian
Government and the OAS Ecuador databases.
. Trained International monitors on field surveys procedures and recording of data.
. Prepared Managerial Reports for OAS AICMA offices in Washington as well as for International Campaigns for
the banning of landmines.
. Created Maps using GIS tools and IMSMA to indicate impact, location and boundaries of the landmines fields.
Consulting Asociadas SAC. Lima, Peru 2003 - 2004
Senior Consultant
. Managed development and implementation of Managerial System for Frenos Master S.A. Leading Peruvian
Automotive Break Pads Manufacturer and Distributor.
Barley & Asociados. Lima, PerU
Leading IT Consulting firm of organizational management systems.
Senior Consultant
. Planned IT management systems to support restructuring for manufacturing organizations.
1998 - 2000
. Streamlined operational procedures and prepared user guides for ISO certification.
. Served on cross-functional strategic pbnning team. Acted as project manager and lead consultant for
manufacturing and operations departments.
. Created employee skill and competency profiles to manage talent within the organization.
Textiles Populates S.A., Lima, PerU 1996 - 1997
IT Manager
. Designed, Developed and implemented a Customized Manufacturing Managerial System. Created Interfaces with
Payroll, exports, finance, management, logistics, inventory contro~ quality contro~ production planning and
production controL Use of SQL language.
. Responsible for the design and installation of a structured network (ISO 9002).
. Responsible for the selection of technology and hardware suppliers.
Silex SA.. Lima, PerU 1995 - 1996
Project Manager
. Managed design and development of Managerial Systems for Leading Textile and Distribution Companies. Used
Power Objects. .
Deutche Morgan Grenfell Bllnk.. Lima, PerU
Intern
. Designed and Developed peticash and expenses reports.
. Supported management with the preparation of presentations and business reports.
. Managed data communications with DMGB offices in London.
. Provided technical support to end users.
1995
Coca-Cola Interamerican Cotporation. Lima, PerU
Intern
. Designed and DeVeloped Presentation for the Marketing Strategy "Task Force Peru" Project.
. Supported management with presentations and business reports preparation.
. Managed and developed Information Security Protocols.
. Provided technical support to end users.
1994 - 1995
il7Fifth Third Bank
November 17,2008
Fifth Third Bank
Naples Lakes Financial Center
8635 Collier Blvd.
Naples, FL 34114
Ricardo Ampuero
7791 Ionio Ct
Naples, FI 34114
To Whom It May Concern:,
This letter is to verify that Ricardo Ampuero has been an account holder with Fifth Third
Bank since August 2002 and his account has been in good standing.
oree Benigni
Customer Service Manager
Naples Lakes Financial Center
239-732-1263
BankoflUnenc~
www.bankofamerica.com
MARIELLA GUIULFO
7791 IONIO CT
NAPLES FL 34114-264791
December 10, 2008
Account No.: 374630084734195
Dear Mariella Guiulfo,
You recently requested information on the above-referenced account, which was
established on March 17, 2005, and IS currently open.
The account history being reported shows 0 occasion(s) when a payment was 30
days past due, 0 occasion(s) when it was 60 days past due, 0 occasion(s) when
it was 90 days past due, 0 occasion(s) when it was 120 days past due, 0
occasion(s) when it was 150 days past due, and 0 occasion(s) when it was 180
days -past due. The last pa~~efit received was for $300.00 on November 13, 2008.
The current balance is $3,668.54.
Thank you for choosing Bank of America as your card of choice. For
up-to-the-minute account information, please visit us at
www.bankofamerica.com.
Sincerely,
Olivia L. Baines
Customer Satisfaction department
-
-
-
-
-
-
-
-
-
=
-
-
=
TAl C&43 I-I US-EN
01 of 01
08-346-00075 - 776
fljFifth Third ,Bank
November 17, 2008
Fifth Third Bank
Naples Lakes Financial Center
8635 Collier Blvd.
Naples, FL 34114
Mariella Guiulfo
7791 Ionio Ct
Naples, Fl 34114
To Whom It May Concern:,
This letter is to verify that Mariella Guiulfo has been an account holder with Fifth Third
Bank since August 2002 and her account has been in good standing.
.,
)
- -O~. .I...."'UULY In... .Page 1 of 12
EC{U'FAK
Equifax Credit Report TM for Mariella Guiulfo
As of: 11/3012008.
Available until: 12/30/2008
Confirmation #: 8835369857
111}iI0?J~J!~~~
[iI~li~iti~~~
Report Does Not Update
PrintR13POJt
Section Title
Section Description
1. Cn~ditSummary
2. ~CCOlJnJ Information
Summary of account activity
Detailed account information
.-------------
3. Inquj(Les
Companies that have requested or viewed your credit
information
4. Ne.gati'v'e Information
5. Perso_nalloforrnation
6. Dispute File Information
7. Summary ofYOi.JrRightsUf1derthe
[eRA
Bankruptcies, liens, gamishments and other judgments
Personal data, addresses, employment history
How to dispute information found on this credit report
Summary of Your Rights Under the FCRA
.--------..
8. FSemedYiJ1gthe_Effec;t~H)fl<je-"tity Theft Remedying the Effects of Identity Theft
9. YourRight~ .UnderState !,.aw
10. EICQ@CCecljtScoce
Your Rights Under State Law
Credit Score
Credit Summary
Your Equifax Credit Summary highlights the information in your credit file that is most importantin
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 Monthly Accounts
Open Total Credit Credit Payment with a
Accounts Number Balance Available' :: Limit::" Ratio Amount ::. Balance
MortgCl.ge 2 $320,555 $0 $320,000 100% $1,892 2
.--------
IOsJaJJ01.smt 3 $64,919 N1A $73,710 88% $910 3
Rev_o)ying 3 $7,664 $15,236 $22,900 33% $137 3
OJher 0 $0 N1A N1A N1A $0 0
----.------
Total 8 $393,138 $15,236 $416,610 94% $2,939 8
Type
Debt by Account Type
Debt to Credit Ratio by Account
Mortgage
Installment
Revolving
https://www.econsumer.eauifax _(',()m/nt{'/~n..mD~_T T_ n _~. .,
~'iUllCLA .. "'.."v......... .....v..........v~. '-"~-~~ A--l"'-~-' ----- ------, - - - -- - ---- - -0-'
Other
Total
Installment-170/0
Revolving- 2010
Mortgage-820/0
Other-Oolo
0% 20% 40% 60% 80% 100%
Balance Available
NOTE: Total may not equal 100% due to rounding
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
5 Years, 10 Months
2 Years, 11 Months
SALLIE MAE-FFELP (QpeJJed01/20Q3)
MAZD6t.MERICAN CREDl-<Op~n~d_O~/2Q9~)
Most Recent Account
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.
Inq!-!!ries intbeLast~Years
Most Recent Inquiry
13
-NAPLES.DOD<3E,JNC,(10128[OtiJ.
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.
P_l!b!iyBe~9rd_s
~egCltiV~ ~J;~Q!JJJts
CQUectLons
o
o
o
Mortgage Accounts
Mortgage accounts include first mortgages, home equity loans, and any other loans secured by real
estate you own.
Open Accounts
- -'
1 "11'7/'"1(\(\2
I:;.'iUlli11\...l Ci.l;:>UUU.l uUn...lULL:.. '-'L........ ...~-t'..,~.u, ~~__u ~-_.--, - --------- - -0--- ----
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.
Open Accounts
Account Name Account Number
Date Balance Date Past Account Credit
Opened Reported Due Status Limit
09/2008 $14,488 11/2008
$0
PAYS AS
AGREED
MAZDA 4435XXXX
AMERICAN
CREDI
SbQ.~Oetails
SALLIE MAE- 9441257264100032XXXX 08/2003 $21,038 1012008
FFELP
SbowQetails
$0
PAYS AS
AGREED
$0
$0
PAYS AS
AGREED
$0
$0
SALLIE MAE- 9441257264100022XXXX 01/2003 $29,393 10/2008
FFELP
Show Q~tails
----~-----_._----~._---------_.
Closed Accounts
Account Name
Account
Number
Date
Opened
Balance Date
Reported
Past Account
Due Status
CHRYSLER
FINANCIAL
Show Details
700118XXXX 09/2005
$0
09/2008
$0
PAYS AS
AGREED
Credit
Limit
$0
o 6ackto TOp
-----------.----------.-
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 Name Account Number
Date Balance Date Past Account
Opened Reported Due Status
BANK OF 37463008473XXXX 0312005 $3,431 11/2008
AMERICA
Sb_owJ~r~tai\!?
$0
PAYS AS
AGREED
$0
PAYS AS
AGREED
CHASE BANK 426684109508XXXX 05/2006 $1,837 11/2008
USA, NA
SbQ\,\tD~@_liP
FIFTH THIRD 546700014328XXXX 01/2008 $2,396 11/2008
CREDIT C
S11QW O_elai1s
$0
PAYS AS
AGREED
Credit
Limit
$12,600
$5,300
$5,000
Closed Accounts
Account Account Number Date Balance Date Past Account Credit
Name Opened Reported Due Status Limit
CIT 7945012903714XXXX 0712005 $0 11/2005 $0 PAYS AS $1,500
BANKlDFS AGREED
SJ'lOW Jletali!?
FIRST 486955710922XXXX 0312005 $0 12/2005 $0 PAYS AS $250
PREMIER AGREED
ShowOetaHs
-------
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........ . .,
,. L_h H'___..1 ~.1-r<t;'n.(lTC'nh "rl
1 ?/7 /2008
.l.;-''iUllah .I.. ......1..:IVJ..1.U.1. UV.1.UL.1.V.L.&.LJI. ............._____.. ..L'--..t'--........., -...--........ ---.--...., - -- --- --- - -0-- - --- ---- -J
Other Accounts
These are all accounts that do not fall into the other categories and can include 3O-day accounts such
as American Express.
You have no Other accounts on file.
o Bacl<JoT op
Payment History Key
Meaning Symbol
Pays or Paid as *
Agreed:
30-59 Days Past 30
Due:
60-89 Days Past 60
Due:
90-119 Days Past 90
Due:
120-149 Days 120
Past Due:
150-179 Days
Past Due:
Inquiries
Meaning Symbol
180+ Days Past Due: 180
Collection Account: CA
Foreclosure: F
Voluntary Surrender: VS
Repossession: R
150
Charge Off: CO
A request for your credit history is called an inquiry.lnquiries 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.
Name of Company
Date of Inquiry
BB & T SALES FINANCE
MAIN
SbQwp~tai!s
10/28/08
----.-.---.-----------.------
CAPITAL ONE 10/28/08
ShQ}'{J)eta~
CHASE AUTOMOTIVE 10/28/08
Sb.QWDetilJls
CHRYSLER CREDIT CORP 10/28/08
Sh9w_petails
CITIFINANCIAL AUTO 10/28/08
Slw}'{J~etails
FIFTH THIRD BANK 01/28/08
BANKCARD
ShQwD~lai@
FIFTH THIRD BANK-FL IND 10/28/08
SJ10W Details
GERMAIN HONDA BMW
09/19/08
.....-- . ., ... In__d_..J _.J_1"""'T:'T"\9...........l... "."..1
1 ,., 17 /,)(\(\51.
.l.J'iU-llUh.L ""..~V.......... uv....~w."....... ~..-_.... ~~-J:'-~~, ~~-_.... ------, - -------- - -0.-- -------.
ShowD~tails
-----..--.------..----- ---------_.._------------_._-~._-----_.
CHASE MANHATTAN
MORTGAGE
ShoW petails
03102/07
------------.---------
MAZDA AMERICAN CREDIT 09/20108
Sho_w_Det;3i1s
__n_____._.__... ---- -.---.---------------. .. --.----.-.--
NAPLES DODGE, INC.
~h.o'vV .Details
10/28/08,09/20/08
--..--.----.-.--------------------------------.----....---.-..---------..-----------
PREMIUM CREDIT BUREAU 02/06/07
LLC::8835369857
Sb.ow.DJ'1t;;liLs
-----.---.---------.
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.
PRM-CAPITAL ONE
Date of Inquiry
01/11/08, 12/14/07
Company Information
-------
PRM-CHASE EDUCATION FINANCE 08/15/08
PRM-CHASE NA
PRM-CITI CARDS CSSD
03128/08, 02/20/08, 02/15/08
PRM-DIRECT LENDING SOURCE
INC
PRM-DISCOVER FINANCIAL
SERVICES
EQUIFAX
ND-EQUIFAX
AR-FIA CSNA
AR-FIA CSNA
PRM-FIFTH THIRD BANK-
PRESCREEN
PRM ONL-GEMBlSAM'S CLUB
AR-SALLlE MAE
PRM-WACHOVlA CORPORATION
PRM-WACHOVIA CORPORATION
PRM-XANTHUS FINANCIAL
SERVlCES,INC
09/08/08,08/11/08,07/18/08,03106/08,01/31/08,01/04/08,
12/06/07
06112/08
11/10/08,08/04/08
-_.._-_.--_._----------_.-._---~._-_.---
11/30/08
11/30/08
09/30/08
02/12/08
09/30/08, 07/25108, 04/29/08, 02/15/08
-~_..-_.__.
---..-------------
11/28/08
07/01/08
04/08/08
12/11/07
04/25/08
---.---------------------.---
----.------.-----
EMPL
Prefix Description
Inquiries with this prefix indicate that only your name and address were
given to a credit grantor so they can provide you a firm offer of credit or
insurance.(PRM inquiries remain for twelve months.)
Inquiries with these prefixes indicate a periodic review of your credit history
by one of your creditors.(AM and AR inquiries remain for twelve months.)
Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries
remain for 24 months)
-_._----_.__.._-_.._-~-
Prefix
PRM
AM or AR
1""'''''''''^^O
D'i.Ulli:LA ~ ....~~VllQ.l lJVUJ.uvu.;>. ,-,J."""""" .L.......yv..~, ........._....... u_""_"" ~ ..,,~_u_u. ~b~~ ~__U~UJ ~~... - -0- - -- --
PR
Equifax or EFX
ND
NDMR
Inquiries with this prefix indicate that a creditor reviewed your account as
part of a portfolio they are purchasing.(PR inquiries remain for 12 months.)
Inquiries with these prefixes indicate Equifax's activity in response to your
contact with us for a copy of your credit file or a research request.
InquirieS with this prefix are general inquiries that do not display to credit
grantors.(ND inquiries remain for 24 months.)
Inquiries with this prefix indicate the reissue of a mortgage credit file
containing information from your Equifax credit file to another company in
connection with a mortgage 10an.(ND inquiries remain for 24 months.)
o BC'iCkto lop
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.
You have no negative accounts on file.
Collections
o Sack to Top
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.
You have no collections on file.
o BC)clsto Top
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
o Bqck tQlop
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.
Name: Mariella Guiulfo
Social Security Number: XXX-XX-4507
Age or Date of Birth: May 28, 1972
Fonnerly Known As: Mariella Guiulfo siverio
Address Information
Current!
Previous
Current
Former
Address 1
Former
Address 2
Street
City,State Zip
779110NIO CT
NAPLES,FL,34114
409 GABRIEL CIR APT 3
NAPLES,FL,34104
6855 HUNTINGTON LAKES CIR
APT 201
Date
Reported
04/2007
1012005
12/2004
1,", ,,..,!I"\r\no
-';''iU-llUh .L ""..~v........... uv....~w.v....... ~.....~. ~~-J:'''..~, ~~-~. ~--~--, ~ ~----~-~ - -O~- ------.;
--..... - -0- . ----
NAPLES,FL,34119
--------~--------
11095 W1NDSONG CIRAPT 204
NAPlES,FL,34109
2110 FAIRVlEW AVE APT 2
ClEVELAND,OH,44106
2111 LENNOX RD APT B
CLEVELAND,OH,44106
04/2005
Former
Address 3
Former
Address 4
09/2003
Former
Address 5
0212003
Other Identification
You have no other identification on file.
Employment History
Last Reported Employment:
SUPPLY MANAGER; INOVO
Alert(s)
You have no Alerts on file.
Consumer Statement
You have no Consumer Statement on file.
D S~GI$J9T op
Dispute File Information
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 PisP!Jte.this_ Credit file online I1QW
To check the status or view the results of your dispute click on Vif?W dispute ~t<:tt\Js
As a reminder your Confirmation Number is: 8835369857. 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 8D0-605-5729 (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.
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 ""-iew_dispute statlJ.s
How do I dispute the personal information within my credit file?
You can dispute your personal information, indudin9 your name, address, and social security number
online. However:
... _ ,,.., ,,,n,n.o
.......'fu..L.lUh.. ""..~vuu... uv....n.l.V~. ~.......~~ .L~_y"........, ~..__~~ ~--~-~, ~ ~......----~ . .LC~' ~--~--J .L -.. .L -C- - -- --
. 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 S~[taOispute Online
9 6ackto TQP
How to order your score by 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.
9 a"c_k to Top
Para informacion en espano/, visite, www.ftc.gov/credit 0 escribe a la FTC Consumer Center,
Room 130-A 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of
information in the files of consumer reporting agencies. There are many types of consumer reporting
agencies, including credit bureaus and specialty agencies (such as agencies that sell information
about check writing histories, medical records, and rental history records). Here is a summary of your
major rights under the FCRA. For more information, including information about additional
rights, go to \I\IWW.f1c_,gQYlcr~~it 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 file or another type of consumer file 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 file;
o you are the victim of identify 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, 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 1N'iY.WJtc,gov[c;regit for additional information.
~'iUllaA ~ "'~"VU~ IJvn~UVu.:>. '-'.."'~. .....""yV..."', ,-,.._~L U_""_"', ... ""L~~W.""'" ~O~L ~_~""L"LJ ~U... ~ -e>- ~ -~ ~-
. 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 agendes 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 file it to the consumer reporting
agency, the agency must investigate unless your dispute is frivolous. See WWW.ftG,90y/qegit 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 file
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 bankruptdes 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 wwwJ:tc:.9ovjcr~dit.
. You may limit "prescreened" offers of credit and insurance you get based on information
in your credit file. Unsolidted "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 1-888-5-
OPTOUT (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.ttC.9Qvlcregit.
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 205801-877-382-4357
Office of the Comptroller of the
Currency
Compliance Management, Mail Stop 6-
6
Washington, DC 20219 800-61~743
Federal Reserve Board
Division of Consumer & Community
Affairs
Washington, DC 20551 202-452-3693
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
National banks, federal branches/agencies of foreign banks (word
"Nationa'" or initials "NA" appear in or after bank's name)
Federal Reserve System member banks (except national banks,
and federal branches/agencies of foreign banks)
Savings associations and federally chartered savings banks
(word "Federal" or initials "F.S.B." appear in federal institution's
name)
Federal credit unions (words "Federal Credit Union" appear in
institution's name)
State-chartered banks that are not members of the Federal
Federal Deposit Insurance Corporation
..._,,...,"'^^O
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..... ""'5'" LV V.a.. ....ow
Reserve System
Consumer Response Center, 2345
Grand Avenue, Suite 100
Kansas City, Missouri 64108-26381-
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
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
--..--.------".-----. ._--_._----------------_...------_.._-_.-~--_._-------------------------------.-
o Back to Top
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.govlidtheft 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 vict.im 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.
.0 Equifax: 1_80Q.525-6285;www.equifax.com
o Experian: 1-888-397-3742; www.experian.com
o 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.govlidtheft.
2. You have the right to free copies of the information in your file (your "file disdosurej. 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 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 transact.ions 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.govlidtheft.
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
Ly'Ulli11\... r t;l~UllaJ. ~VIUUU1.J..,;:). '-....-l\,.;UJ.l. J.'-\,.;pvJ.~, '--'J.VUU.. '...n./V.L......:;), .1. .LV\.""\.I\.J.Vll .Ll...6u.LLl';)\. "'U""".LU..J.1.]
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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.govlidtheft, 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.
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Your Rights Under State Law
State of Florida
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.
V\lhen 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 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 infol11ll:ition.
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.
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A security freeze request must be mailed via certified mail to:
Equifax Security Freeze
P.O. Box 105788
Atlanta. Georgia 30348
The fee to place a security freeze is $10.00. If you submit a copy of a valid investigative or incident
report or complaint with a law enforcement agency about the unlawful use of your identifying
information by another person. no fee will be charged. If you are sixty-five years of age or older, no
fee will be charged. Include your complete name, complete address, social security number, date of
birth and payment, if applicable.
You may also contact us at 1-888-298-0045 between the hours of 9 AM and 5 PM Monday through
Friday.
Written confirmation of the security freeze will be sent within 10 business days of receipt of the
request via first class mail. It will include your unique personal identification number and instructions
for removing the security freeze or authorizing the release of your credit report for a specific period of
time.
o Ba<::k.to Top
FIC()@Credit Score
_:- YoU!- FICOL '-:=
-=- =g;___~-~ Credit Score 1:;:
~,
.. .....~:_.
~- _,.::i.:_:;~i~.'
Key Factors Affectmg Your Score
Your credit score often determines the credit you receive - both the size of the loan you qualify for and the rate you receive. To check
your credit score go to www.equifilx.com to get Score Power$ - your Equifax Credit Report'" and FIC04ll c~dit score - online in
seconds. . ~ ..' ~ ..... ~ ~ ~ ~
Or you may obtain a printed version of your FICQCIlI credit score through our automated system at 1-8n-SCORE-11. (sent to you via
US Mail).
The FICQCIlI credit score is develOped by Fair Isaac. You may contact Fair Isaac by mail at:
Fair Isaac Corporation
PO Box 8428
Emeryville 94662
www.fairisaac.com
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.
o Backto_Iop
.. _ ,~ '.....I"\.nn
Cy.Wl.i:1X rCl:SUJ.1i:1l .:>UIUUUu.;:;. vlCUU J."..CPVIL;:>, vlCUU "''''V1''';), 1 1V~"'''''L1Vll .l15~~ .L....""llU~] .L ....... .. "'0'"' .. "'.. .. ~
EftUIFAX
;ll10I~:LiI~D:~;,i
~k1~~~~_3i~~i;jJ
Equifax Credit Report ™ for Ricardo Ampuero
As ot 11/18/2008.
Available until: 12118/2008
Confirmation #: 8823066851
Report Does Not Update
PJint Bepgrt
1. Credit Summary
2. Account Information
Section Description
Summary of account activity
Detailed account information
._------~---
Section Title
3. Inquiries Companies that have requested or viewed your credit
information
4. Negatiyelnformation Bankruptcies, liens, garnishments and other judgments
5. P~rsQ.l1aL Information Personal data, addresses, employment history
6. Qi$R-l,Ite File Inform13.tiQn How to dispute information found on this credit report
Summary of Your Rights Under the FCRA
7. S_ummary of Your Rights Under the
FCRA
-----------~._------------
8. Beme9yill9 the Effectspofldentity Theft Remedying the Effects of Identity Theft
9. Your BightsJJndec.8til.te Law Your Rights Under State Law
10. F!CQ@ Credit Score Credit Score
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 Monthly Accounts
Open Total Credit Credit Payme~t with a
Accounts Number Balance Available' ~ - Limit ~ ' Ratio Amount' ~ ' Balance
Mortgage 0 $0 N1A N1A N1A $0 0
----
IIl$tallm~nt 0 $0 NIA N1A N1A $0 0
Bevolving 0 $0 NIA NIA N1A $0 0
Otlwr 0 $0 N/A N1A NIA $0 0
----~--------_._----_.
Total 0 $0 NIA NIA NIA $0 0
Debt by Account Type
Debt to Credit Ratio by Account
Type
No Data to Display.
NOTE: Total may not equal 100% due to rounding
No Data to Display.
Account Age
Usually, it is a good idea to keep your oldest credit account open, as a high average account age
generally demonstrates stability to lenders. Also, especially if you have been managing credit for a
short time, opening many new accounts will lower your average account age and may have a
.. ........T"'lT""'lo. n 1_ _..1
1 ., /'7/" nn 0
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negative impa<..1.
Length of Credit History
Average Account Age
Oldest Account
Most Recent Account
o months
o months
NIA
N1A
Inquiries - Requests for your Credit History
Numerous inquires on your credit file for new credit may cause you to appear risky to lenders, so it is
usually better to only seek new credit when you need it. Typically, lenders distinguish between
inquiries for a single loan and many new loans in part by the length of time over which the inquiries
occur. So, when rate shopping for a loan ifs a good idea to do it within a focused period of time.
Inquiriesil1 tl1e..Last 2 Years
Most Recent Inquiry
7
GHA$E.~l,)IQMOIIYE( 1 OI4~I08)
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.
P!lplic Rec!)rds
N~g~tiv~ A_c.counts
CQ.IJ~.!<HQn?
o
o
o
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.
9 BgiGk toIop
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.
You have no Installment accounts on file.
9 Sac\<.to J_QP
Revolving Accounts
Revolving accounts are charge accounts that have a credit limit and require a minimum payment
each month, such as most credit cards.
You have no Revolving accounts on file.
o B~cktoT9P
Other Accounts
These are all accounts that do not fall into the other categories and can include 3O-day accounts such
as American Express.
You have no Other accounts on file.
9 B.J1cUQ_I.9p
Payment History Key
'r
_ _ _.. I.~. L_~____Tl__TT_T'\_+_:l _1.+-1,)__~;l ~;l=0vnRTC'nh .....-:1
1') 17 nflfl~
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Meaning Symbol
Pays or Paid as *
Agreed :
30-59 Days Past 30
Due:
60-89 Days Past 60
Due:
90-119 Days Past 90
Due:
120-149 Days 120
Past Due:
150-179 Days
Past Due:
Inquiries
150
Meaning Symbol
180+ Days Past Due: 180
Collection Account: CA
Foreclosure: F
Voluntary Surrender: VS
Repossession: R
Charge Off: CO
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.
Name of Compnny Date of Inquiry
SB & T SALES FINANCE 10/28/08
MAIN
EihQv:ddeJ;i;lj)?
CAPITAL ONE 10/28/08
Eil:1ovLD!'!tajLs
CHASE AUTOMOTIVE
EihoWJ:>~tiljl~
10/28/08
--------..-.--.--..-------.-.----.....---.-----.---.---..-------_..--_.~.~..~.--_._--_._..--.~-------~----_.__.---_...._----_...~"---
-----_._-~_._------~
CHRYSLER CREDIT CORP 10/28/08
Sb.Qw.~taj!s
CITIFINANCIAL AUTO
Show_Detail?
10/28/08
----.----.----.------.----..---.------...-..-.-.-.----_._.__..__..~-._._._..__..__._._-----
FIFTH THIRD BANK-FL IND 10/28/08
ShQw_P~t<;l.~
NAPLES DODGE, INC.
Sho~Qela!l~
10/28/08
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.
Company Information
EQUIFAX
ND-EQUIFAX
Date of Inquiry
11/18/08
11/18/08
Prefix
Prefix Description
tquuax rerSonal ~OlUUOn:s: \..,rt::UlL ~t::pOft:S, \..,ft::UlL ;:)\';un:::s, rlULC\,;UUll fi~i:1J..illiL l.UCllLlLY 1.11... I ~~.,. UI IV
PRM
Inquiries with this prefix indicate that only your name and address were
given to a credit grantor so they can provide you a firm offer of credit or
insurance.(PRM inquiries remain for twelve months.)
Inquiries with these prefixes indicate a periodic review of your credit history
by one of your creditors.(AM and AR inquiries remain for twelve months.)
Inquiries with this prefix indicate an employment inquiry. (EMPl inquiries
remain for 24 months)
._.._._.._--------~------
AM or AR
EMPL
PR
Inquiries with this prefix indicate that a creditor reviewed your account as
part of a portfolio they are purchasing.(PR inquiries remain for 12 months.)
---..---....----..-.-.-..-. .-.-'-- --_._----_.~---._-------
NDMR
Inquiries with these prefixes indicate Equifax's activity in response to your
contact with us for a copy of your credit file or a research request.
Inquiries with this prefix are general inquiries that do not display to credit
grantors.(ND inquiries remain for 24 months.)
Inquiries with this prefix indicate the reissue of a mortgage credit file
containing information from your Equifax credit file to another company in
connection with a mortgage 10an.(ND inquiries remain for 24 months.)
------------.----.-------..-----
Equifax or EFX
--------~_.-
ND
---_._--~-_.-
g B<3~l<ioTop
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.
You have no negative accounts on file.
o 6ClGk 10 Top
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.
You have no collections on file.
o 61'lcl<toTop
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
o 69<::JSJQ lop
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.
Name: Ricardo Ampuero
Social Security Number: XXX-XX-1594
Age or Date of Birth:
Address Information
Current! Previous
Street
City ,State Zip
Date Reported
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7791 IONIO CT
NAPLES,FL,34114
10/2008
Current
Other Identification
You have no other identification on file.
Employment History
You have no Employment History on file.
Alert(s)
You have no Alerts on file.
Consumer Statement
You have no Consumer Statement on file.
D SCl<;:k to Top
Dispute File Information
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 [)i~R\.lte tbisCredit FileonlimLnow
To check the status or view the results of your dispute click on Vil:!w..clisputestat!"!$
As a reminder your Confirmation Number is: 8823066851. 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 800-605-5729 (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.
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 YieWclispute stCltljS
How do I dispute the personal information within my credit file?
__ _ Yeu 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.
tqUlIax rersOnal ~OlUUOnS: L-reaU Kepons, L-reau ~cores, ITUleCUUn f\.galill>l1UenUlY 111... ri:1gt: U 01 10
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
g Back to Top
How to order your score by 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.
o Back to Top
Para informacion en espano/, visite www.ftc.gov/credit 0 escribe a la FTC Consumer Center,
Room 130-A 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Ad.. (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 informatiori -
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,g()v/cr~clit 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 file or another type of consumer file 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 disclosurej. 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 disdosure if:
o a person has taken adverse ad..ion against you because of information in your credit file;
o you are the victim of identify 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 exped.. to apply for employment within 60 days. In addition, by
September 2005 aU 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.ft<;:.gov/cr~dit 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 file it to the consumer reporting
agency, the agency must investigate unless your dispute is frivolous. See wyywjtc~9-Q."fc[e.<:Ijj for
.r::-qunax rersoruu ~OlUllOns: \..,reUll KeponS, \..,reUll ~l;u:re:s, rrulel;uUll ftgi:U1J.::illUelllllY Ill... ruge I Ul lU
an explanation of dispute procedures.
. Consumer reporting agencies must correct or delete inaccurate, incomplete, or
unverifiable infonnation. Inaccurate, incomplete or unverifiable information must be removed or
corrected, usually within 30 days. However, a consumer reporting agency may continue to file
information it has verified as accurate.
. Consumer reporting agencies may not report outdated negative infonnation. 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 w-,,~'wJjg~9ov/c~edit.
. You may limit "prescreened" offers of credit and insurance you get based on infonnation
in your credit file. Unsolicited "prescreenedH offers for credit and insurance must include a t611-
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 1-888-5-
OPTOUT (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...i!:g-.9QYl.cre-<:lit.
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 infonnation, contact your
state or local c::onsumer protection agency or your state Attorney General. Federal enforcers
are:
Type of Business:
Consumer reporting agencies, creditors and others not listed
below
National banks, federal branches/agencies of foreign banks (word
"Nationar' or initials "NA" appear in or after bank's name)
Federal Reserve System member banks (except national banks,
and federal branches/agencies of foreign banks)
Savings associations and federally chartered savings banks
(word "Federal" or initials "F.S.B." appear in federal institution's
name)
Federal credit unions (words "Federal Credit Union" appear in
institution's name)
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
Contact
---.----------------
Federal Trade Commission: Consumer
Response Center - FCRA
Washington, DC 20580 1-8n-382-4357
Office of the Comptroller of the
Currency
Compliance Management, Mail Stop 6-
6
Washington, DC 20219 800-613-6743
Federal Reserve Board
Division of Consumer & Community
Affairs
Washington, DC 20551 202-452-3693
Office of Thrift Supervision
Consumer Complaints
Washington, DC 20552 800-842-6929
National Credit Union Administration
1n5 Duke Street
Alexandria, VA 22314703-519-4600
Federal Deposit Insurance Corporation
Consumer Response Center, 2345
Grand Avenue, Suite 100
Kansas City, Missouri 64108-2638 1-
8n -275-3342
Department of Transportation ,Office of
Financial Management
Washington, DC 20590 202-366-1306
Department of Agriculture
L"iUllaA .1 ~.lO:>U.l.l<1.l oJU.lUUVu.;). v.l~U.lL .l'-'-''pv.l LO:>, 'V.l'-'UH ..,'-'V.l'-'O:>, .1 .lVL'-''-'L.lVJ..l ~c.a..lll"'L J.U""llLH] J.ll... J. Uc."" U V.L .. V
-----.---.---".-----..---.-..-----.---
------.-.---..----------.--------------
Office of Deputy Administrator - GIPSA
Washington, DC 20250 202-720-7051
g Back to Top
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 Ad. (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.
o Equifax: 1-800-525-6285; www.equifax.com
o Experian: 1-888-397-3742; www.experian.com
o 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 additionat information a consumer reporting agency may require you to submit. For niore
detailed information about the identity theft report, visit www.consumer.govlidtheft.
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 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
-""1--- _ _._~_ ~_~__~~. ~~__' ~--J:'-~~' ~~__' ~-~..-~, ~ ~~.---,,~. ~f:>"""""" ~__""'UJ ~....... ~ "'f:>~ J V~ ..v
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 team more about identity theft and how to deal with its consequences, visit
www.consumer.govlidtheft, 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.
o E3aGkto Top
Your Rights Under State Law
State of Florida
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 APPUCATION YOU MAKE REGARDING A NEW LOAN, CREDIT, MORTGAGE, INSURANCE,
GOVERNMENT SERVICES OR PAYMENTS, RENTAL HOUSING, EMPLOYMENT,INVESTMENT,
UCENSE, CELLULAR PHONE, UTIUTlES, 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 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, induding 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
The fee to place a security freeze is $10.00. If you submit a copy of a valid investigative or incident
report or complaint with a law enforcement agency about the unlawful use of your identifying
information by another person, no fee will be charged. If you are sixty-five years of age or older, no
fee will be charged. Include your complete name, complete address, social security number, date of
birth and payment, if applicable.
You may also contact us at 1-888-298-0045 between the hours of 9 AM and 5 PM Monday through
Friday.
Written confirmation of the security freeze will be sent within 10 business days of receipt of the
request via first class mail. It will include your unique personal identification number and instructions
for removing the security freeze or authorizing the release of your credit report for a specific period of
time.
o 61'tc;!s_JQTOp
FIC()@Credit Score
= YOUI FIC01- _-
-'--=,' - - --- Credit Score - --"
-~~ .:..., -~-
Key Factors Affecting Your Score
Your credit score often detennines the credit you receive - both the size of the loan you qualify for and the rate you receive. To check
your credit score go to www.eqLiifax.com to get Score Power$ - your Equifax Credit Report.... and FICOCBl credit score - online in
seconds.
Or you may obtain a printed version of your FICOCBl credit score through our automated system at 1-an-SCORE-11. (sent to you via
US Mail).
The FICOCBl credit score is developed by Fair Isaac. You may contact Fair Isaac by mail at:
Fair Isaac Corporation
PO Box 8428
Emeryville 94662
www.fairisaac.com
Equifax offers you personal credit products that enlighten, enable and empower you. Whether you are understanding your credit,
protecting your identity or preparing tor a major purchase, Equifax offers the tools you need to make the smartest choices possible. For
more infonnation visit www.Equifax.com.
o ~ac;kJoT9P
httnc./I''In.'I.Tt'lT 0".,.,._,""'-__ __........:,c--._... ____I_.L_ '-_~ ___.T'"lio
__Q_ __ _... ...v
COLLIER COUNTY
BOARD OF COUNTY COMMISSIONERS
PUBLIC VEmCLE ADVISORY COMMITTEE
2800 NORTH HORSESHOE DRIVE
NAPLES, FL 34104
APPLICATION FOR CERTIFICATE TO OPERATE
DA1E: \4l..\ \\ \0&
The undersigned hereby makes application for a Certificate to Operate vehicles "for hire" within
Collier County under Code of Laws and Ordinance Chapter 142, and respectfully submits the
following information in support of this application.
FEES: Non-Refundable Application Fee
Certificate to Operate Issuance Fee (Yearly)
Vehicle Decal Permit Fee (per Vehicle / Yearly)
Driver ill Fee
$ 200.00
$ 250.00
$ 50.00
$ 50,00
NOTE: Please make check / money order payable to the BOARD OF COUNTY COMMISSIONERS
1. Name of Applicant: Q...T--..o...'C"\a."5!. ~ .~Q..' "S \cx. y
Address: d.C:>CC\, ~o....-r~Q..a:('O ~'("". E.~-\-4-,O ,r\... -a~C\.~
(Number & Street) (City) (State) (Zip Code)
Home Telephone: r~q) 4.9.~- S'..Ac\~
. Date of Birth: \ \ \ a.-\ \45"
E- Mail
Driver's license #: ~o...ol\-C -\"5"(0- 4'5 -~~\- 0
2. If Partnership:
Businel;s Name:
Business Address:
(Number & Street)
(City)
(State)
(Zip Code)
E-Mail
(Address)
(Date of Birth)
(Social Security #)
(Address)
(Date of Birth)
(Social Security #)
1
3. If Manager:
(Name)
(Address)
(Home phone #)
(Date of Birth)
(Social Securtty #)
~opies of Articles of Incorporation, all amendments thereto, and a certified copy of the Certificate of
:lCorporation must accompany this application.
k If eoxporation:
Exact Corporate Name: t=\on:~ \~~cs.QC>' \ 0...\\0("\. ~~<:-\o...\, ~~ ~.
Business Telephone number: (d..~q) ~~- \=-~
E-Mail
Business Address: ~oq\ ~o...~o.c_a..:C--.D ~ T-.. e. ~k-CU-O , "F '- ~~ q ~
(Number & Street) (City) (State) (Zip Code)
list of Directors / Officers:
A C, ~()..'t" \ o.~ ~.. ~~" "So \.4"
(N ame)
(~~~~~-5~\~
(Home phone #)
\\\~\4{S
(Date of Birth)
~~ ~o....'CLc:..CL~ ~,,". €.~k-(L~ , ~L "5~q~
(Address) .
~
(Social Security #)
B.
(Name)
(Address)
(Home phone #)
(Date of Birth)
(Social Securtty #)
5. list any and all persons holding a ten percent (100/0) or greater beneficial interest in applicant's
business or company.
A. e.,~\.4-~ ~. ~o-..'s. \.4-'1
(Name)
(~~~ --\C\"b-S~\~
(Home phone #)
~OC\.\. ~o.s-~c.."""o ~'("".. E.~~~(""C) \'f;=L ~~~~
(Address)
\'\ \~\ \~S
(Date of Birth)
~
(Social Secunty #)
B.
(Name)
(Address)
(Home phone #)
(Date of Birth)
(Social Securtty #)
2
6. If applying for Sub-Certificate name(s):
a. Name
Date of application
Rejected
REASON:
b. Approved
c. Name
Date of application
Rejected
REASON:
d. Approved
7. Trade Name (if any)
~. Ust all criminal convictions for which the applicant, owners, managers, directors, and any
)ffi.cers have been found guuty or convicted regardless of adjudication, in the United States
ndicatlng the offense, the date. and the state.
9. Has Certificate to Operate ever been revoked? Yes
No v'"
If yes. please explain the reason, the year. city, s~te, and the previous issued Certificate to Operate
number, of revocation:
3
EXPERIENCE STATEtvrnNT
Charles R. Baisley
20097 Saraceno Drive
Estero, Florida 33928
/r
<::....; ~
<::....~
()8
,., ().
. ,
1;1
1963-1983 Owned and Operated The following companies in the
Western New York area:
Charles R. Baisley Transportation Corp.
McCourt Transportation Corp.
Suburban Wheelchair Service
909 Bailey Inc.
During that time I bought, sold, exported and operated passenger
vans and school buses. My companies specialized in providing
transportation to special education students and handicapped adults.
This service was provided with a fleet of 135+ vehicles.
I was a certified Special Education School Bus Trainer in New York
State.
1987-2003 Started Courtesy Cab in Naples, Florida.
Managed Yellow Cab of Naples Inc. and Airport Connection
In Naples which provided regular taxi services, airport shuttle
Services, limousine and charter bus service.
I have provided various transportation consulting services to many
companies over the years.
B9/B3/2008 13:11
3527950898
SUMMIT BROKERAGE
PAGE 01/01
BROKERAGE SERVIces. tic.
Member NASD & SU'C
September 3, 2008
To Whom It May Concern:
1 have personally known Charles (Russ) Baisley for the last 41/2 years. In the period of
time that I have known Russ. 1 have done business with both he along with other
members of his family. I know Russ to have sound judgment and good personal
character. I would expect anyone else who would do business with Russ to have a.
positive experience.
1 can be reached anytime if you have any further questions or comments that need to be..
clarified. You can reach roe at any of the following numbers:
Office number 3S2~ 796-0888
Cell Phone Number 352"848-4189
Home Number 352-688-9957
Respectfully,
co
TEL: (352) 796-0888
FAX: (352) 796-0898
14269 Powell Rd
Spring Hill, FL 34609
(866) 91.6-0888
.
09/05/2008 14:38
PAGE 01
5144243
HERBERT J. BUCK, P.A.
ACCOUNTANT I TAX SPECIALIST
5405 JAEGER ROAD
NAPLES, FLORIDA 34109
)lE)GER OF NATIONAL SOCJE1'Y
01' TAX PROFESSIONAlS
(239) 51......244
Faxl 5144243
PERSONALIZBn . PRQF6SSIONAL
TAX A: ACCOON'11NG SERVlCQ
September 4, 2008
To Whom It May Concern:
I have known Charles RBaisley for the past 15 years. My firm has provided accoW1ting
services to him. I have worked very closely with him during that period and find him to
be a very honorable person.
If you should have any further questions please call me at (239) 514-4244.
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against ldentity Th... Page 1 of 36
EQ...UIFAX
Equifax Credit Report TM for Charles R. Baisley
As ot 10/0712008
Available until: 11/0612008
Confirmation #: 8781797611
Report Does Not Update
print R~gQd
Section Title
Section Description
1. CredjL$Jill1JI)pJj'
2. ~..Q..G.QJJJ1JlIJf9lIDgtiofl
3. ![)gyid~li.
4. N~MJive IDIQ!IDf!tLQ.o
5. EersolJjllll}forTll~JLQn
6. Pi~p_uteH~lQ[mm!Qn
Summary of account activity
.___.___~______.___ _.__._.__.,,_.._-.w__.____~.. __. -.------.-.--.--.-------..--
Detailed account information
_'_ _______ - ________._______...______n__._ ..... _ __._ - '.-- ...- _.~- .' --..------ -- -----
Companies that have requested or viewed your credit information
Bankruptcies, liens, garnishments and other judgments
.__..~-----_.._.._._~_.- ._._----_.__.._-----.._._----._~._..__. .-.
Personal data, addresses, employment history
--._-----.--..---_.-~+- ...._.-._--~_._-_._._--~-----..._-- ---.- ------- .._--_....~._.--- -- ..-.- -.---
How to dispute information found on this credit report
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 Monthly Accounts
Open Total Credit Credit Payment with a
Accounts Number Balance Available Limit _ Ratio Amount Balance
MQItgf!g~ $203,581 $0 $205,000 99% $1,639
--- --.... .--.--.....-.-- -. .-~_.....-..~'.'- _..._....._...._...~_.w_.._.____ -.--.----- - - --....-.-. --.._----------'--~..- .
Lnst<!!LI1J~Jlt 5 $84,040 NIA $119,788 70% $2,441 4
----.-- ____ ______.__~___.._..u --.--- ~---,'-~-"-------'- - ._-~ --. -_.-. ..-.---.- - - ----.. -- ~.. -
~yolving 12 $12,069 $13,981 $26,050 46% $157 4
Qtb~[ 0 $0 N/A NIA N/A $0 0
.-.. -
Total 18 $299,690 $13,981 $350,838 85% $4,237 9
Debt by Account Type
Debt to Credit Ratio by Account
Type
Mortgage
Installment
Revolving
Other
Installment-28%
Revolving-4%
Mortgage-68%
other-OOfo
Total
0% 20% 40% 60% 80% 100%
Balance Available
httns://www.econsumer.eouifax.com/otc/viewPooUoDetail.ehtml?orod cd=3BS&sub cd=... 10/7/2008
I
tqunax personal :SOlUtions: crean Keports, crean :scores, protection AgaInst laenmy 1 n... page L ot Jb
NOTE: Total may not equal 100% due to rounding
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
26 Years, 0 Months
9 Years, 5 Months
M.ACY'SLP-SJHLCQRel1.eQ 10/1982}
Q..MAC_(Qgened Q.6L400~l}
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.
lOgyjIi~s.Jn..thlLl,,!H>_t2 Y e~_~
Most Recent Inquiry
11
Ctit.~I;_AUTQMP..J1YL(Q&!~Ql9J~)
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.
~!tb.!ic--'3.J~cJml~
~_eg~tl'Le A~c_QM[I.tS;
CQ.!IltcliQI'l?
o
3
Mortgage Accounts
Mortgage accounts include first mortgages, home equity loans, and any other loans secured by real
estate you own.
Open Accounts
Account
Name
Account
Number
Date
Opened
09/2005
Balance Date
Reported
$203,5 09/2008
81
Past
Due
Account
Status
PAYS AS
AGREED
Credit
Limit
IN DYMAC
BANK
HOMELO
...
$0
$0
INDYMAC BANK
6900 Beatrice Dr
Kalamaloo, MI-490099559
Account Number:
~
Current Status:
Account Owner:
Individual Account.
Mortgage
30 Years
High Credit:
~......>-,,-~ --'---'."... "---'-., -.-
Credit Limit:
PAYS AS
AGREED
.,~.>=-",,-,,,,,.,,,.~+,,...:,,,,--
$205,000
$0
_..;'--. .--.-..--....'-
iTl
.!~~:.?!.~~.~nt Lw:
Term Duration:
Date Opened:
2005/09
Balance:
Monthly (due
_____~_~;':'!E'!~l'lth) _
$203,581
Terms Frequency:
httos://www.econsumer.equifax.com/otc/viewPopUpDetail.ehtml?prod cd=3BS&sub cd=... 10/7/2008
I
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Th... Page 3 of 36
Date Reported: ...... .......... ..',09/2008 .............. ... ... ',Arr1?unt~.a~tDlJe: ........ ....;$0
,E~~2!1~~t-~;y.~~~ ... '.~=L08~008.'~:~~~."'...:'J~ct~-~I..P~y~i;t~;;()~;C:~~'._,-
: Scheduled Payment Amount: : $1 ,639 i Date of Last Activity: ,09/2008
r=..'~=.="'-==,....=-==.,,===.="=.='======"=.,,==="===I'~.-" -.- ~~.=,"\==-=~=',
: Date Major Delinquency First I ! Months Reviewed: : 34 !
'~:'p~,!e~:.",~.""~.,="=__",,,, ".""...,,~~=i ,~,~,,~,.,~ ''''',.,'_'"~=,.=., ."~=~"=...~_,..=~~~,.="'o"=,.."=j,,,,-~.,,,,,=~=,~,,~:
: Creditor Classification: i . _ . (Activity Description: _ , i N/A"._ j
I'~=~__-=""'~.'"""'=='~=""~~~=.""'~."'" .,,=.,--.~,~~ _~~-=~o.
Charge Off Amount: ,.......\$0, . . . .." ,., .,., ,Deferred Payment Start Date: i. "",' ',', .... . ,
~~~~~~~![~~~t'~'~~C~=::,~~~~~.~.:~~,=~~='~:'=~.~'~.:~J!3~~~~~~!~~~~..- -,~,J=:~==~'~:,~~==~j
, Date Closed: i ! Type of Loan: , Conventional
'.,.,...." .. .' ....... '. :.,. .'" . ': ' ,.. .,REMortgage ..'
'D;t;~fF~t-'D;;i~q-~~~~~~"'~'!W;:=~"==o'==== ~~~~==.~=,~=..~-""~.==,-=='~~===
,._=,,,. ",,=="'_~'=' , ,.==,~.."",. ...,,,....= .." ,_= .,=, ",.,,~ """'~.=,~C,,"',,'
: Comments: , Fannie Mae account _ _ _ . --- ---. . !
......"-='._:c--=">..--=,.~""'-;;;;..=.=""---."c-=""''''-~_:-__~'''''__.,,~_:=:=.'"'.="''"'"-.,,~.=c.--'''=='''-=''"'''''''"r=""'....==-==-="..,....,==:.=.__""=_-=-"C....,.==-'.=~~-=-."".:===-_.=-:r_--_.....=.."'''''''''.~~.._.=-=.
81-Month Payment History
~_'_'_,,__'_' __ I : I, ~ : .~ . ",
\ Year ,Jan 'FebMar 'AprMay iJun iJulAug:Sep ,0ct,Nov :Dec :
I.,;~=__o,,="~"=~ '~=~'""="==~~~'."'~'"""'"~""'"""'=""~~_=~~'O='== "-,"~"~'="="-"=~=-'~'-=='-~""'="~ ~,," ",.-, =,~,
, 2008 . * : * ' * , : 1* : : * ! : " i '
I ~=~~=i,"""'''-~-","~=-,--,....."".""",:.=-....,~'r''-'.''''''.''-<:=':'''!''~..J=~J.--===~';.:r---:..:::o.~'20.."..-~.",=.~,:-~---=.-=--~,;""=:;.=,",i;;UI,.A'-o:":::;'''''c::..~~~'~=-"",,,,"-~="",-,-.,L=-=-..o="';=-;:;==i
2007;* '* '* * i* '* ,0 :* 1* i*
i===>_~=",=~='''"'n,,:~_,,~.=,~=,"~,=,=~~==,=,~~~'~~~=n''"~~"'~=<F~a~,="=J=.,--=,,+~==""'m'''"'='''';-==.,,,,~,,;,
: 2006 i 0 : * i * i * : 0 i 0 : 0 i 0 \ 0 1* : * i * "
f_~,~,._""=..w~",=,,,"~,_"~_n~'",~--,"=,~~~=~-"~"='"~~"=n=~'~'=~~='=~~"='...-=J,=,=",,=='~'~'=-
'2005' : Iii I : : !* :* ;* !* ·
~=.,..,----"'"~===--~=-~--=-.:.==~-=.~-===-""'~.-==z=~=~~-"---~- ,~",=...~...",""~..1_o=r==--=:i.--=-",~o===~-='---"""~~
------~_._~-_._~----_.
Closed Accounts
Account Name
Account
Number
Date
Opened
1012001
Balance Date
Reported
$0 03/2005
Past
Due
Account
Status
PAYS AS
AGREED
Credit
Limit
,,__,_,_~_._,___,-___,._._~~_~_~_,~~_'_____M___~________'_"_~~.__~_____.__~__",_______..____~._~_~.__~M_~"_~_____'__.__..~
CHASE MANHAT ~-
TAN MORT
$0
$30,00
o
CHASE MANHATTAN MORTGAGE C
10790 Rancho Bernardo Rd
San Diego, CA-921275705
--~----~ Current Status:
i Account Number:
PAYS AS
. AGREED
'':'_=.=>=''"....:=7~''':::-~-=.~ "'"...~,..=-..."..",..-==---=-:::.o-=.-.""-.,.=~...=;t-=~--"'"..,"=--"...::r=".=..:.,\~.=".,-,...",--===.=--=..c.=.='=-=='='-'-'=--===:"
Account Owner: Shared, but otherwise : High Credit: '$27,525
'. , undesignated l \'
,,__'==r=:aor":="-~"'-'""'-"-'=-'-'----'.---'-C-:-~==-~.'''''-!.-'--~',~,----=,=:===-'--'--="'=-"-:.""";" """""-"""--=====....,.,~-==""--.......~..==--"'.==."I
:~yp~ of ~c~~u~; m--------1n;tallment .-- . --:'Cr~dit Li~it~ ---- ; $30,000' :
I~~-:=--=-"::;;'"===-~~.-:O"=':;"--c,,"_ __ ~':..:E""_"""--==-",".,,,-.=;::..=-,-====","-=--=.=-=v~==,,\=,=.'-=.=..:::-c~-="''''<<l
i Term Duration:, 20 Years i Terms Frequency: ' .
_...,'=....=..'''''''''''~._''"'=...,_o,,"'','''''.,.-,...''"'''~-'-''-=_"'''.~.._o""''.."--~_,_,.-"-_.'"'~===.=",.""""=-="="=~"'""'---..,..--'-"'''''...:K""--"''--',,..:=;.,='.-~r:-----'='~''--=<"=.~_.~.-"'''''~=,.,....="~-:=:~~...,.,=.,,.=''''=''":,--=-.=..,.,..-=~.'..,.
i, Date Opened: '2001/10 ,Balance: : $0 ,
=-r--"'....~=====-~,,---""-',.~.,,-='-'~==~="'=~o~======"""""'~~=='='-'""'-=-"'=..=.=~~=:="""c=,..,.",."'=
Date Reported: 0312005 Amount Past Due: :$0 i
'=="=..........._. __ __=~.""'"-="=-""""''-'''--_=7='''==''-=,=!''''-''~''==J=''''''-'.':::'~~=~''''''~~.==--==';:'==..~~,.,,.,Ji'="==-~="""=;"=~
~~.~~~~~~as~.~a..!~:!1~:.=,~=."~.~~,==..~,,.=,==,,- ,."o.b~~~~~.!..Am~~~,..n.._=:~.,~~'~==~".J
: Scheduled Payment Amount: '$260 ! Date of Last Activity: ',03/2005 !
in;; M;j; Oeli~q~';~~ FirstT--==='~~"==-~~- '1Month~~~~:~-'~'~==-"i
· Reported:' ::
:c;d;;Cla~fi~;~~~~--"~;-~"~~""~~~=~"~"-'.IActMtY~De~~riPti~;-~-~'''-; paid=;~~'--~-'i
: i i \ Closed i
{_.'==~--~==~."""~p-,""""""",,"-,,,.._,.,--'::-.~-="""."".'''''':'''=--=-~=~_'.<-;~I'="=~~-='---
i Charge Off Amount: i $0 i Deferred Payment Start Date: i i
r-- .' _ -', <~~.,r.-....=-=-==~ . ====='t
i Balloon Payment Amount: : $0 ! Balloon Payment Date: I :
/=.=~~=__~=~",,,,"~==--==,,=~c"'=r____~'-"-'t<.,,,,,-,,,"==..=,=,,,,,.,:~~-=-'"==~,~
: Date Closed: j 03/2005 : Type of Loan: ! Conventional i
: : ' I RE Mortgage i
!Dat;~~tQ;iinqu~;;;;;"='''',NiA-_.~~-=~=~~'~' =~
r --- -' ~,_._--=.',_..~,..-_._..,=~=.="=========~~=.=~,,,=~=.j
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Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Th... Page 4 of 36
, Comments:
.c"...::: ,"-'=~cy.~';;;' --0;0="""'".'."""'-"" ':;o~=.,.--"'.-"- . _", C_'_~"" ,~.C""'.-'-"'."~_ ;".:..~.",."" -".c.:",-_~'~.-'-C.~.'C",";
81-Month Payment History
...-------------..---
No 81-Month Payment Data available for display.
~.,.,.","_.=-...:=:tIIa:z:"'~""~~:oJ..=r_~~",,~""""''''''''''~=--=-=~~==--=<~~~.~-===-='''"''"'''''''='''''''''-~'~''''''""''',~,."..~.-.
DOVENMUEHLE .~
MORTGAGE .---
10/1986
$0
03/2001
$0
PAYS AS
AGREED
$0
DOVENMUEHL MORTGAGE
1501 E Woodfield Rd
Schaumburg,IL-601736052
(847) 619-5535
A~ount Number: ----------,--.--------------,Current Stat~~-- : PAYS AS--.----
, ! i 'AGREED :
r""""""._"..=;",....='-'--==..:=.;,~;,.=,..===.-.=--=1"'==-.=c.:-=~..:.'"'-='=--=-...:.~-z=~......,..=.--.c"'=".::;--"""=~=J~==~..,.-"'u=;=::.~!
: Account Owner: : Joint Account IHighCredit: [$155,000.:
~-="'~ -======~- =""'" .~, ~-~-~.,,-...,..===--=-~=::.--;~~="'"""":=--=
'. Type of Account 111 ,Installment : Credit Limit: '$0 "
__.._==""--=--"'""=:m.......,,'.r....'_"""'>""==--.--==;=...,.-::.~T~=""""""--"===~=.<.~=-"""""==:E:=='--=-~=-==""'"'~...-:>,='="~'-"'""-"'_"""-'==.=-=r~-""""_"'"""'-''''"-<i
"""~e~~_ur~~~o.~_~oo~_oo~_,~"'=._~"~=.==,=~.,-"=.~".,,".co.."~-~'" .:.:!!:rms F~~~~~"=__="~~-=~,,_""o .~-"=j
Date Opened: : 1986/10 Balance: $0'
~-=~=~=~~~~= .",.; - ~==
Date Reported: ,03/2001 !Amount Past Due: \$0 !
"=_=,_==."=~c~~=~.~==.i.'-'=.=""'=."'~=~".o~,.==.=="'~~-~~~<~-~~~~.==~.=.,-"-~~~~'~.:
Date of Last Payment i : Actual Payment Amount : $0 I
=_~.<:::._===."T-'''''".>.'"'"--.~''''."'''-~,>=.''''''"''=''''!.~'~'''-..-..,,,...<~.'''....=.,,.T"-,-=.",=,",_.o_.r-_,:;:,",~"'::";."O"~"..-",",.~~.:..e~ ';"",",_~-:"=""=--""='''''''''::.'''=''~~~==-'''''"=--=~''.'~'''''='-'_.c"",''''-=~
: Scheduled Payment Amount, $1,306 i Date of Last Activity: ',03/2001 '
,_,.=.=.,".==~~~~~~~===~_'".=~=="'~~=,~,==~=-'==~-~---=---=-~~_~==d,
Date Major Delinquency First 'Months Reviewed: i 37 i
Reported:
~'Ir.""",,,,=,..,,,,,,,,-,,,,,,,-.,,..o,,?:".,,,,=<<..,,,,.-~._.,...,"=,,,,., .,.~:,,~,;:.' _'~~'J,~.__=.':'':''''-=-:"''''~O;;. ~'_'.'-__-"""-'''= ::z:..-ro--:;:;.=;.".,..--":>",,,,,:::.~,,,,,-,,,,-~_,,=::;=;;..""-=-...."=,,.._,,,,,".=-,,,,~,,,,,,,=",,,::,:=~:,,.,,,,-:",,,:;::.o.'",~,.",c-::=~=,,,,,,--=,,,,,,,,""':~"'-'--""",_c:-",,_c..,,-,,,,:.-'~~=';"'"
, Creditor Classification: i . Activity Description: , N/A
~~ ~- ....... ~~~ ---=--=~
,GhargeOffAmount.. .. ,$0. .... ..... . ,Defelred Payment Start Date: I ....,........,. ...,:
,_s;II~~y~~i-~~~~~:.-~:~:!I~....:=:~=~:~=-=-~~. .- ;~~~it;=J=~._-:=~".=-~:
! Date Closed:: i Type of Loan: ,:
"~"..=~"_=<,_.=..,..~-~~..."..,--='"..",~.I~~~m__."~.~.,,~.~...,"~""~,~.~==="=,,-""==,.=~"=--?"~""."""""..^",".o~''':
~~t:=?f Fi~!;!?:!~~.~~e~~~L.=~".".~~".==_~~~=~.~". ="~=" ."~====.=,~".==. ."'====~,=_.. ..~.=~.~""..~~-'"".,.~~...;
Comments: : Closed or paid account zero bal.ance
''''==.=~,.=-=''"~=~=..: c,"".""""=--==~--=.:=~= -~ - ~ -" ,-==-===~,===="=-~-~ ""'=~-~----=="'--:;.,..-=~~=.=.::;;
81-Month Payment History
~---------
: No 81-Month Payment Data available for display.
1:::"":"-':==_=::-="'~""'=:r.-..;:..~""'==.-:-='~"'"~=.:.z._o='=<-"'.l;"""'c=,=-:~~''''''-'''='''::;'",."."'=="".=--='-"",....",-,::=.=.""'-"==::.=-====,..., =='''''''-"'='
WASHINGTON M . . 06/2001
UTUAL HO ......-
$0
OS/2005
$0
PAYS AS
AGREED
$0
WASHINGTON MUTUAL
11200 W Parkland Ave
PO Box 3139
Milwaukee, WI-532013139
(866) 926-8937
: Account Number: · Current Status: : PAYS AS
'.. .. i 1 [AGREED '.
i=="'="=~'"~ =~~~~=~~~..' -'~~=='''=-===--- '-~~='="f.========i
.Account Owner: i Shared, but otherwise .. High Credit: . $205,000 I
, : undesignated, !'
:=-~=.~.r=~===~~""=~,. . -~'==''''=='~--'=i=-.:-=:~=".......=.~====-==j'=",'--='=.~'='."'='"I
. Type of Account 111 i Mortgage i Credit Limit 1$0 i
~._======-=..~_.~=.".""".,~==.==~.=.~---=======..;.~-~~='='~~~=.-.,.='
: Term Duration: i 30 Years I Terms Frequency: .. i Monthly id~e- i
! ' ,every month) I
;==~=>-=-"==--=:u--===~=..,.=...."'";=,....~..."~.~=='"~,..."--=='=-==:-;.....~~......--===,.--~~"~-=..=-:::::t\
: Date Opened:2001/06:Balance: -.- --- \$0 - -- 1
,,="'o=.=~' =.=__,.~..=...~<~<=~.~",_..~~_,~=.~.=.===.".,= .:--.~_,~_.=.__..~,=.~..J-.,.~~~==;
Date Reported: ;05/2005 iAmount Past Due: :$0
:~"""'==--===""'-~~~ _. ~ ~i~-="=-==::m.=;
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Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Th... Page 5 of36
L~!t:"~~L~:"~':"~~,7~,~"~c~"".","l~~/~~-~"..,~,,"~-~,', ,C_"~~'~ .~ct~:~!~~>~.='2!~~,~,~!:.~:.,,,., ",' $O_~",.,,~,
I Scheduled Payment Amount: : $2,045 , i Date of Last Activity: , ,. i04/2?05 --- _I
1"""'-'-'=" = ,~." ~=, =,"=,=",=~,"""",,,,"'~=~'"~"'~'=""'''''=' ,,~~~",',.=. - " " ""._,,,~,<,,=,="~~~,='~ =.~-~_.,-"
. Date Major Delinquency First : 'Months Reviewed: '44 :
l,:e,e.ort.ed:, _"",, .." ,_,' _", ",,___' ", c- ~",w,='_' ' _,,_w_" _ J=~,-,-",~" =_",<=..,,=~~=~=,=i,..,=,,=" "~,,,,=,==J
'Credit~'rcia~;ifj'~ti~:'-----r -- - '-,--''' ---- ,- --;Activlt; ~s~ption: ',Paid and '
! ' i iClosed i
:_., _",_..,=.,',,,,,' ",_"=,,,,,,_,,~,,,,,,,rt,"'='='" =~~=,,' '" "", -,~, "-'~' ."==~~-,=-",..=.=."."=",-,~",,,..,.==.=,=,,. ,=~~=,~=~'~= ,.,
'Charge Off Amount \ $0 i Deferred Payment Start Date: ;,
~~-~="=='i=~~"=~~'~~"~='=~--- 'I-'~==~'='=i
,Balloon Payment Amount: i $0 i Balloon Payment Date: i 1
<...._.,,"=~""""==_,..""'''''''''''_O.::'''..._.~..,,''''-''''''....''''.,._-~-''''..,.,..'''.. ,~,'-,'..c..-",;'''''i''--='J"."...",..~.,-------".,,=..."=,-~_'-'-=-''''''-'''.'''''''''-"c.;"'""=<:':';;':",",~-="",'i"~_="""''''"'''''''"'''''''''___~~''''''"''''''''''~!-''~>:=".::c.,.."..~''''~'''''Jl.'-'''''"~~.I
! Date Closed: I i Type of Loan: ' Conventional '
! :' ! RE Mortgage
~==';'=_h","'=""-''''.''''''===''-''''''-='"'''''.'=-~~==-"''''''"''''\'''-';'~'':'=''"=-==-~~='-.'-'=.c.=..,..-==-_"'.=-="'""'~=""--"='''";::'==='=-''==---=-~-=-'=='~-- .
!. Date of First Delinquency: : NIA i
,=~',.~,.'c C'''''$_,"~."<""",--~--.,~",o"~",",~"",,,=..,~~=-'.'m~=''",,,,,~w,,~,,,,=._."-,,,~,,,,,"'"'=-'-"''''~~'' "._,~.~,...,,,=,.,,,,,~.~,=~,",="c,,,,,_,,,,,,.,,.~m''''t
Comments: ' Fannie Mae account :
1..======,,,,~=~..,._",,,=,=-=;=.....,==.=~3:-""-;-:'=:.~-' ~=~=----==",-""=====-'o","""'=~""'_'"':l,,.=''''''c:-=--=~''''''::'=-.-''~;''=='=''''=="''''==--'";==.=,:=---:=<"""'..===.=.=......~
81-Month Payment History
-------~------
:.NO_~_O~~~!,!~~t Da!~~~~1.: fo~,?isplay,=~~"===~~=<=~~_,_,~"""=~==."'==~!
QBack to Tog
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.
Open Accounts
Account
Name
Account
Number
Date
Opened
03/2005
Balance Date
Reported
Past Account
Due Status
Credit
Limit
FMC-OMAHA
SE
RVICE CT
$0
07/2005
$0
PAYS AS
AGREED
$0
-------.'..---
FMC-OMAHA SERVICE CTR
PO Box 54200
Omaha, NE-681548000
'Account Number:
~.._-_.-\""""
~ : Current Status: I PAYS AS
. ,AGREED .
~~~~!~~n~E::~~:"~=~":_=_':'''=}?~t~~~~~:~''"=~:c-."~=~,<~3~h ~~~~~~~~~~==~":===~=fi~~==~~=~=~,
! Type of _A~ount 0:___,,__ _ _ __,' Ins~lIment, ___; Credit Limit: __ _ i $0 - :,
.-c;.~-=':l.=~=~""""__..___~.-_._..,,-.-'---_...=-~"="""~........-~=._-~_..x="':r.o.=~-=-::=-=.=c:.,~..",.."'.:.=...",-''''-,.".."..~
[Term Duration: !48 Months iTerms Frequency: 'Monthly (due '
, ; . I every month) .
, .
~Dat~Op;;;d: =~~=~"'2005/03 ===-~~~=~ ~ :$0 ~=-,
~D';i:_~!p;~~":-:=::::=,::=~:~7/2~~~.~,:=:=='~~=:~=I~o~~;t~~~~~=:~..=J.$O- ~=~=~:=~J
pate of Last Payment: ,07/2005 tActual Payment Amount: [$505 'I
~=~~==----==;~=-===-='~.='.,,"<.1c.~_...~ ~=._-::==""',,~.a==....'"'.=.<-""'.=i
i Scheduled Paym_e~t ~m?unt: ,,$50_~ _ ,_ _ _ _ _' Date of Last Activity: _ : 07/2005 .
:o;t;Ma~~yFirst.-;~--'=-=._=_._'~c'=~iMonthS Reviewed: ~""r4 ""~~~~
. Reported: . \ I'
. ....,.~~""">==I':--=-=-:.='l='=..=..~,~-="--==\r"'=--::;---"'=,=.,c:.=.=....-=~-"'''''...:~~===''-=\=--''''=--===-~~d
: Creditor Classification: i ! Activity Description: : N1A i
"',....-.-"'."'''''~...........~..-,,,,..,._~...--='"'=c-=lr.r:,,'''----='"'=...,.''"..'s..,......_.''''''''"......""".~___-=-,...."',..==-=,...-~.-.".=:.......=.....,.~~--".~..._-="""""-..=.-=.;~=,.._-='""""=,,. ""__.__",c""""",,,,'=_
: Charge Off Amount: ' $0 I Deferred Payment Start Date: I - . - - ":
1"::'-- - - -" ~=~--" -' - .~ ~===".. - . . '
: Balloon Payment Amount: : $0 i Balloon Payment Date: i !
~..~...:=""'M~-=._=._:.'"'::!I..""..-,.,~,...."'.-="=.;.= =."..="c".=.~....=,.=._.=....~ '_"~ ..""'.==,=...."".".~~__.".,...n=:_,......=.=~""""""..,;-="""'.""='"'"""......--=,._.,,"
Date Closed:: !Type of Loan: !Auto \
~ -==---="'==,~=~ - ~
~:!:;.~~~~~,e,='!~9.~~:Y,;."' .".;,t!'2,,~>"_~,~"='".c ','_,~'~ .",,"_'""""O,_,,,,,,,,,,,<,,,,,,~,,,,'_H"~="-'""'"" ,., ',",O~'~
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81-Month Payment History
i T--'--r-------,----T-T . '. ;--------i--,.--~!
~~~.=j,~~!:l"~="~~,~=j~pr-.~~J,~ay<,-JJun ~J~!=" :A~~~,j~~E_>~~""J-~v= Dec ~i
'i 2005 I \ ! * 1 * ! * i * ! I 1 ' \ I '
,.~_-==,",=~.L.--~".J.,=~=.<.-~-='-~~~..-..,-~~'~=-'~.=~.'",=~,-"=".,'"'T~"....,'=."l.~="~..~.~
---,~----_._._-
$0 PAYS AS
AGREED
GMAC
02991382XX
XX
08/2008
$30,10
5
10/2008
$0
~_.._-------_.
--------------
GMAC
,
(800) 200-4622
',Account Number: : Current Status: 'PAYS AS
i I :AGREED
~o~~t Ow~;;=~ ---i,Joint Account~dit: :$30,105
l;pe~~;~~~~':~==~~=~I~~~T=.=~'='~==~~~j~~;~tLi;jt=.~:~=~~~~.,~"__==~"T$O:~= .~~~'=',
[Term Duration: '72 Months :Terms Frequency: iMonthly (due
,~___~_~~_==~=.=J=~,~~=~=~=~=====J.~~~~=.===",==levery monthL.,"~j
'Date Opened: \2008108 ',Balance: ,$30,105..
,."~...--:!O><_;.".....,,,,,,,,-.",,],,,,._,,,,,,,,:,,,...;,,,===.,.,,,,-",,".::,-=,,,,,:L...-----':""".~'-'=-tu7..:"'=.....,..--o."""-',..=-='""."m..~.lo'~~~~I""."'.,===,....",==""'=-'~==""'="'''''''-...~...-",-,=--",::,,,,,,,
Date Reported: : 10/2008 :Amount PastDue: :$0 :
~.~=_~.....=r=-~""~'-:'''''''''''''-''=='=-~~''-'''~==''-'''''~~--''''-~- -- ,~.",=""",.""-~---u=\...."l:=..__~~"".=~-",-~.,,,:o=!
,D~te o~~~~==~~~o.~O^.~"~,""~"o=~"==,.~ _~~~ctual Paym~moun~: ~~~~~O_ '
,Scheduled Payment Amount: ,$553 " Date of Last Activity: : 10/2008 .
"""_=,,,,,,,-~~~"""""=""'::C:_'~"""'"-=.::.t,=-~,,,,---.<.-..--~.:..r::~,-:. ___.;_._w -..,.,....."'..,..,.,.--.,'-,--.-. ...~.,-.;...-."'_._-<.i= ~"",=...==.=.-...=,.,,,,-._,....,,,~- ,,,,,",--~.,.~,,,,,","-,,.-~~~---=-..,..",_... ,
. Date Major D;linq~ency Fir~t f' ,..- _"'_d_' -'" . .-: Months Reviewed: . ....- -: N/A -..-- -~-
~~~: i ..
~it~r,~~","==J=~~:::=~~====~~~::~:~~:~-===~I~:~'""=:':=='
'Charge Off Amount: i $0 : Deferred Payment Start Date: 'i
~>=~...~,=~=-----''''---'=--='v-'' . _.. .":-",,,.-~~==~", ~'==="'"':J"'::%T=~,",-!:=...~~==.=--=~=-r~-..".=":"''''''''=:::;''=~'''''-~"'''''::!'=
.~on ~:.~~~.~nt:..._m' $~~~.~____~_.~,=o._,.~=~~.._.2~~ent ~!~-::.,"_.~,=!_~=..,===.~=--":
Date Closed: i ; Type of Loan: : Auto :
~=_~"""~<=~-....=.o:--::::="~===-:<",-...,-,-,,,:.;.---,=",,,"=,,".;..,~~-=.,...,=,,==---='''='========"If":1<'..1Z==,,-=....,,-_=>~~,,.c==-'"''='''',:.?=~~--='~'-.''"''~=-'''==:
.Pat:=c:t..:J~~~:,~n9.u;~:y: _..-=o..,_.!'lL~7~.~_-~-=_."~~,========~=-===~~--===-~-~=~-,=~=-=--=-"===="= .=~
l co.~~~~~,~,=..",.,=~,~""~~<'_~o=:"=.=,~='".,~="..=,=..,',.=~="~,c~~,=,=~~,~~_=.._""o.=u,~...,...,..=-~..==~..,r_-=,= '."'~-="
81-Month Payment History
1 .-._-~
, No 81-Month Payment Data available for display,
~=---===~~==_==---=--=~"'=='.-""T_Cl-;::-_=-~"'=="=.-.:..=".-;:;J:._-=:==.::===-'~=.=..-.o=._=~"""-_.=o.."-""='==="'":,,:="":;"~,J
GMAC
~
~
10/2007
$15,79 10/2008
4
$0
PAYS AS
AGREED
$0
GMAC
,
(800) 200-4622
iAccount Number: : _ i Current Status: ,PAYS AS
.. : ,AGREED .
!~~ . -" . -,~=~-~=~=~"'=,=,~-=."='==-~~,~~~~"="===j=-----==-~=='
,Account Owner: !JointAccountiHigh Credit: ,$19,862 i
_,,~=_=,~~_~,~=?-~=~~==""'"i':::.--.~:=.":-===~'~=-~='=o=l
i Type of Account ITJ !! Installment I Credit Limit: i $0 i
'--~-=-'~"'=""~=1~-=-~"-~~"<=="'=="=~=~+---~'~~--~P_~'~='=--\
:Term Duration: ;48 Months :Terms Frequency: iMonthly (due j
! : i :every month) I
~- - --="",,~-=."~-- ~ ~-~.,~~
pate Opened: .. ..... . _.' ...... _. l2Q07l1~ ,. , .,' . . __. '.Balance: ,'''' .. . . .f$15,794 ',. .. '. :
r -~==~~~- ~~_.". '=i'='M='=="~ ,==..... - ".C'","'="""'='= .=~===' c,=,c,'=~,~.~ "!"-_~="_?'"'''07'?''-'''
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Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Th... Page 7 of 36
: Date Reported: i 10/2008 : Amount Past Due: : $0 .
!",._,,,=,,,"~~~~""."~'~""""'="'"'' ...."~-=~~~.",.,.,,..._..... ._.>."~.."-,,~~._-~~,_...~_...,,.""'..=-"_.__.~"".""".,,.~-'-'."
Date of Last Payment: - '\09/2008 .' -" : Actual Payment Amount: :$476 ;
\'=""".""""'= ,...,.=.".~,.- ~_~"-_._.;.1...-". ,._n='_.~" ...""""'"""""'"-....---u.c-...----. "==~.~"..~-_. '"'..=.=-~,~~.~..::.".~:::.....,...=..-:<=.~~.--"'.=-"......=~........"==..-""""~..~~.~='"-'
!ScheduledPaym~~t A~-ount\ $476 -- - "-- 'i:D~te of Last Activity: - -- : 10/2008 - i
;=-=,,=='=<===~~~_ ,~=~=-"=='==r~~-=--=='-~-'=="="~=~
, Date Major Delinquency First i ! Months Reviewed: : 12 ..
'R rt d ' .. I
: epo e : I ; : i
!",=,.~,=""."=~,,,"..~=_'''-\'''-''"'''''''''' ,...-,",L'''''''~=-'t.>-.:::J.",==.c;=~-,;;.'''''~. =-~~""=->-,,,"~'"''''''''''''c:'-"'''=:''"'''''F=''''''''''~-"'''~'-'''''':'''.'-'.'''''''''....."""--'.,."~..==5.~~.",-c=-:4",.,,.".;:".lO';..--<."''''''',.~'''~'-''"'.-'r''-;...'''''.
.. Creditor Classification:: ! Activity Description: , N/A :
~=ato~==~=~==,==-",,==".=""'.c:-_.'_"_-""---=7,,=-'.",,!-=~"J=="-'=:-"'=-'~-=~'~~==~'-===-==~,..~ ~ - ~!
! Charge Off Amount: i $0 " Deferred Payment Start Date: I :
I==-==~=__==-'''"'-'=-'---___~--''~'--='=-=-..'=-'~-~=''''"='---''''''='=-''''=,-~.._~~_~.=a;-,~""'="-='-==='--"'~--''''''''==>'''
!Ball~OnPayment~o~nt:--- \$0 -'- --.' ----.---\BalloonPaymentDate:! --':i
~~~~_'~.=--~"==:~[-~~~~=~'=~="=<=~-~'=~;i~~~~~"=-~"-"'~==!A~t~~""=~~'==~-~~
,Date of First Delinquency: . N/A .
..........=.........,=""....,."...-"'_";u....~.=..,..-'~,_..,"'"::;,."",.".,........""_.=""c-""-"".,,,~"'".."~.F.....=C.'"''''''''''''"'_''''-=:.''''~''''''.'''M~~.~-'''''''',,._........~'='''u'''''''.=..T.c..."."._--'...,_"~,.=,=....""'.....-____~.:~..="',~..-""""..,."=,.<.,-"'...~-OTI.~.:,,,:,,~.,,.'""'~...,c_.......,,""',.....,""""',,.....:::";>.<.
: Comments: i
~-=-~~-->=""=~~,==-~=_.~=""="""-=~==" ~~ _=,=:r--:o=~--==-"'-==--~""""'==
81-Month Payment History
,~;:~"_",jJ~~=.oL.E:.:,,~~'a=~~~r,=_ !!~pr=..=)~aL~J~u~,'_=;.~!, ! Aug !, Sep : Oct ! Nov ! Dec
2008 * * : * * '* ~:'~._-"~-- :-:;"'= ~ .~r=~="\.====="t~."=~"=!
i-~~~.al,'='.,,~"~.;,=--=~'"=-..i~--=~='=~.~,=~._~=='~'=-'_.=,~..,~,,~,~=~~=~~.=_~~""'~..~_=.~)_=o=~.,
: 2007 i : i i ! i if! ! * : * * .
;~~,......J.~=.~,,~~_=~_..J=.~='-,=_.~"k~o......L>~,-~....,...=~..l=~~..~~,,~_._L_._~~.=.~.J
$27,41 08/2008
2
$0
PAYS AS
AGREED
$0
REGIONS
SANK
..
0212008
Regions BANK
PO Box 11007
Birmingham, AL-352880002
(800) 734-4667
1_-...-....""7'""---.--.----...,-- ------.
: Account Number: ,Current Status: PAYS AS
,=,~~_~=~~'O""=="-~=='- _ ~=_ "_ I _~~~==_.~-:AGREED ~=~..
iAccount Owner: On behalf of another High Credit: ;$29,398
person: ,:
~;;;;;;;~~}Q=~~~==~~m~=~~=?~~~=~=-~.=- :::
'Term Duration: ,61 Months ; Terms Frequency: 'Monthly (due ·
_' . : every month) .
.."...."""='..::""-,.,"'=~,.,-=:."'"=~,==---'=~"<<>c="""""~---===----=---=='"--='=~""=.-ct<'""-=,--...,.,=~","V"~~...-_.--".,.--,-"-~",,.,,-,.,,--, ... - - -,.,.".- ~
. Date Opened: '2008/02.Balance:$27,412;
:~."<'"A"'.'L-= ''''C'';'''''_,'''''''-'' ,_--"",''''=,1"''''"''::-'':'';''-":-~-"''''':;:'''-'''':;;'''"''''~''''''''':''''''':'''''O:''""""."""""=:,,,~~.,,,. :"'--=.r-=","~",",,,,,,,;:.:,,..,_=-J~JJ<:!V-=-...:..==.<l>"=',"_-::=-<:l..""-""'~~-"'~=-=':-":"'='__~_"I",".?,,-,=-::o,~-=,,,;;-,,-_,,,,~,,,'...i_
. Date Reported: '08/2008 ',Amount Past Due: [$0 i
p...."""'=~=....""'c-=~=..-.~..'-,=.:."--"'-"."'.;---,-.,=..,._=",,.;''''''''-_.====~...._"""._=="",=",._="~..=."""_d,~",==,--==""",'.::::.=-,,,..-~-o.-=-",,,,,,,,"....~-=-.,=.c.==""""",--.::.,:
. Date of Last Payment: : 08/2008: Actual Payment Amount: . $587 :
:~=='=~. __==-.=.::=-=,.,f"""....,.",........""'---~r--==-...",----=>:.=-=><==----"--=,..-""===~=+-~..-- - " =='-~
. Scheduled Payment Amount: : $587 . Date of Last Activity: ; 08/2008 I
!~D~te' M.~;~D;;i~q~;~cY.Fi;;t~i-=~='~""""O"=,.<>-=..=~"~'MonthS~~;="'=~~=15"~.">""~'="=-"
Reported:. ." ." i . : i,
~~==_~_-"=''''"~.:;<~~.==''''.=''''-=--:.=,=-=--="''''=,.===-c;--'"'~.,==-~~..=''"'=="'~.._==""=""'"-""="=:--===="'...-==~"=,tc";;."
: Creditor Classification: i : Activity Description:. N1A :
i a;;ge-OffAm~unt=~~-~',-~~~~~"~~=~'~~=""=:~~D;ferr~d p;yme~tSt~rtD;te: 1~=~"~'"~~~._'-':
.====:=_-=..~.,=_- __= ,~=.==..,::::7_~..,~=,=.,,==~__._-----'.....==-"".=.:n~~=-"""----~._~';;:---~~~=,1;,
. Balloon Payment Amount: . $0 l Balloon Payment Date:: :
'=-....,_="~."';;r-"'.==-.,."..,..="""=;r',"""--=.a~~"".~..=""'"-"-.....--'"-'''''''.~'''''===.='<'~..=-.=_-,,==,~~-"".==--=="U'=-~"'"'-~~=='""'.-.-.-..;=~~.-'-'-"-,.=u.:,-~..""'===..--''''_..,. ,=...=-'
I Date Closed: 1 i Type of L~an: --- -- - i Auto--'- .. -j
=.."""""'-'..,Ht..."...=-=-"'"""'"."...m-~===--.......""'~""=.._"--,.....,.,.."'_==""==L.-""=="c==.".r===~==="..,..,.~~..=~=~="=-'-:<"'-'"'.~~.tl:=
,Eateo~elinqu~ncy: IN/A =~-
, Comments:
4
~,.,,,,,,,,,:=,...,..;r..,::,,,:;.,,.J:."""" _",=-::\.-=",,,'~r.-....=,-,,..,..,",,;,=...=.~==", ,''''___==<'."= ,,,=,,,,_=-_=;:~~.'''''.' ,.,..=.c=._.=:..."'""""'.===-"....-"'_._ ",,::.=:....=-:,;::-=., .0"=-';."."''--=='.;0..''"''-'"'''''''<'=''''-=-"'''"'''--=-''''' """,-",==:::>'"",-'"en,..,...-r..::.,.:':
81-Month Payment History
~ar ~~.."~2,~~~,,~j~~b ~l~ar~+~~=.J May=~~__J,se~~l~~ Nov j Dec J
:,2008: ;....* I" :* ." i I I ! I - .. i
,=,~".,""~~..'=,~"",,=,,~ ,..=~.b,~".~=!,~<-,".,==.),.~~~""....;,.,.=,~I_~,==!=~~_..~.~=~~~.~~,,.,..J
SST/JPMC
1112005
$10,72 0812008
9
$0
PAYS AS
AGREED
$0 -
....*""~.I!n"um ",,,,...,,,,,,.,n1'YlAr Ar1l11-f",v N,m/Atr/vlpwPAnTTnnpt::ll1e:html?nrod cd=3BS&sub cd=... 10/7/2008
I
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Th... Page 8 of 36
SST/JPMC
4315 PICKETT ROAD
ST JOSEPH, MO-64503
(800) 392-8308
I Account Numb~~------
: PAYS AS
:AGREED
: Account Owner: : Joint Account " High Credit: \$17;582 --=I
I_._.,....",~..~.,~.:;>..,~'''.",..."'':=..;=.=__., '- . ,.",,'..,. _~'iU~."~'-=l:..l ."""""",,,:,_,=,,-,,=~=,"',"'J=~,..:L;-:;';:"'~.'" ="':"'~',""' "'"-"....,=,~!"'.,-"."~.."."'''-....,.,=,,~'"'"',,,"c.-2,,'O.,.-=' ~,...,n_:.:I._.' ,=='-''''''''''''1'';'''''='''''-''-' _......"'~_.~==="':<'""''-'',
i Type of Account ill: :i Installment I Credit Limit: 1$0 :,
I.=='...==_.=,,:>".....r-."'.-,=""=~==o,=....o...:;;.=..~"'..'"'-=-:"'..I-"="'''';'""""-""""=%:~_...,';..="',.."'"'.~,=-._~....._~;=~---~~""""'=...~....,:..r."'==---~=,=--'""""~..".="""""..........~~~=.~=I
iTerm Duration: i72 Months !Terms Frequency: 'Monthly (due !
i i i I every month) !
l="'-.....=""====-~ =-=_'-=-=___-=:...-'"""=.,'t=ci=..=--=.=.=-,..---...:;r.::...--~.==..=-"..::==.:."'"J..;.."..-'.==r'""".=>=~-=-~......~==___TI,"--="',=-=)-=~~=-..-;;<.:..,-"".",;
Date Opened: 2005/11 Balance: : $1 0,729 i
\...=-"....._..".................."'"_="''''".;",_''-.''r'''---"'"'..".."..'''~.:,o._~~..........--==:=;",..~,.......__=....,,-,,-.......>""",.=".""'''~''"=.,.,,...~."':''';s,.----<=-~~-~~....,."'.-_=~__'"-_",..._~..~~,..."""'O<~~.:=_..-.-_"""".."'-'''"c..-'''.'''....'"'''..-!
'Date Reported: ' 08/2008 . Amount Past Due: : $0 .
~-=~,;:r-~=.:=-~=~~===.~~ .- .=-=-="'.~- .~
':j)~te of Last p'ayme~nt:__ ._O~/~~O~_.---,.,-., ..__-'Act.ual Payment~o_unt:__ , i_~_~,.~,
:S~h~d~l~d'p;y~'e=n-t~~~T~t~f$320~=-->- ...--,~--- ""','D;t~"cl'L~~t Acti~itY~'- -=:08/2008 '''''--''-i
f"""--='''~'''''''''''''-~~''-:-'''"''-''''''''-=' =.::.r.."",,-~,'~Y'''';:Q:"==",,==,,-",--=W'-,,",=-.''''''~'='''''''''.;:':';"O.''':''=''''''"'''\'~~-..="-.=-....,.,,.,......,~""'~-=.:,,"'"~"'-=-'="""""""..,.,,:\?""".....~".'.....""':....-==-'".-.!:.""''''-'''
: Date Major Delinquency First . ',Months Reviewed: 33
: Reported: ." _,_ __~"_,_\_.-=.__-___-_--- _.~_~J . ." ' '--.., .~- j ., ."' - " :
:C~;dit~~ clas;;fi~tic)n:-- ----=~.---... .--..-=.-- .---=- -- --'f'ActMtYD;~~:'=-~--': Nt;'--==--==,
1..-.sr,/~'=_"""'~"""'-''-'''''''';''''''"-''=''''='"''';'''--'"'''''~''''=''''''oE::'-.'-''''.=-.""'__-==....=""::O-""""""'-~_""""'...,.l'-"'==':;___-=.--:".."...,....~'"""'..='~-""".,.....u...~.-:"""=-.-""_.,-~"""-~"-..r..,...""--".'=-"...,._.::;;..~..."'""""",...,"":
: Charge Off Amount: _~'~=~~-=-=-==. Deferred Payment ~~rt~~_. .'
I Balloon Payment Amount: ,$0 : Balloon Payment Date:
~~~~~::.~==:~=~:~=~~_cl~=~=-:_~~:::=
. Comments: .
---~._------
'Current Status:
81-Month Payment History
-~------
l.Year __ Jan __Feb _.__ Mar ___ Ap~:___ May Jun _ ! Jul : Aug __ Sep : <?ct ~ov__ Dee -
-==="-l:~-=---='.'.""~~-'~-'~"""-_._-="-~' ~~=__--==:-=-=._",,_=~~~.r..~.,,-=-,.~
: 2008 * * . * : * '* ; * ,*' : : ' i
:==~=>,~=":,.."=.~"".~~===='c""="='"~'-'x==,,,,;,'~____.=<o..L.,~=,=..~,_'~==:=.=--=="=,,,=.,c_=-_.='=~"_"=-,:.._.,=~=~,_....",,=~. ...-.:
: 2007 1* . , * · . * ..: · . * ,* '
~E.=,~=:~::=~=t==~E=:Ei:~:E::E=:~=:~~=I=~
Closed Accounts
Account
Name
Account
Number
Date
Opened
04/2003
Balance Date
Reported
Past
Due
Account
Status
PAYS AS
AGREED
Credit
Limit
AMERICAN
HON
DA FINAN
$0
12/2007
$0
$0
----------~
AMERICAN HONDA FINANCE
1235 OLD ALPHARETT A RD
SUITE 180
ALPHARETT A, GA-30005
(800) 344-2777
iAccount Number: ' ------: C~rrent S~~~----:- PAYS AS
l i i iAGREED i
~,=._.~=.,-~~=.,~".",~~..~,="=-~=~'='~"~"~~"~'~--'~.==~=+...=~~.==,.=.",,:
:Account Owner: : Joint Account tHigh Credit: !$25,174 I
\~-;:::~=-~~ilment ',CreditLimit \$0 -l
(Term Duration: 60 Mo-;;t~~~- -Terms Fre;;;;;;~~iMonthIY (du~
r=='=""'~'=='~"="~'~'-'''~-'='='f,",~-'~"''===-~''==~'~~=''~,~~=~=~~~>.-- .-d,
. !'
1-++-_,//"_'"H ~~~~n,.~~~ ~m,~f"nV' ....r......./,.,.t..../u~puTP.....nTTnf)pt!'l;l pntml?nrnr1 r.r1=1R~&.Sl1h cO=... 10/7/2008
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Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Th... Page 9 of36
a~~!:.r.~P=~!.~:... ..,..,~~~~!9~..~..",..- ..' ..,.,,~I~~~':_N ,......_"._)-~~.'".... ,
. Date Reported: !,12/2007 ! Amount Past Due: : $0 .
'Dat;a~fL;st P~y,;;~.~t --'=~'03i20-05 "'~~-"=~~~'=I~'aIP~y;e~tAm~~~~O-~~'=-'
::._.....~=~_...=.== _~~"., ,= =l=~~_=.=u,~-~,.,...=.~.=a~- ~'..~'i"==~~='~~=~"'a~i-""~='===.='
i Scheduled Payment Amount: : $498 : Date of Last ActiVity: ,03/2005 :
~ . ;~-:=-"_="=~..",.=d[..~,=....,.~."._,,_.,,,.,~,,,...,~..._~.'i'"'-'~>--"",",":"----~-"~"'.~""'i'.='''''-''-'~''''''...'._._._.~
i Date Major Delinquency First ; i Months ReViewed: : 56 !
i Reported: i i j:
=~=~~""-=""==_"",~.......,,,..~,,",----,--,,-=:..'";C.-",,=..,-,__...,,,,,,.-,,-,.~~,,--,-,,,o...--=---c=_'~="-~",=,".."-.",~=r""",--==<==-,-~"""L--==-=-'--~=--J""~-,;-"-<="""'=,=----,!,=r-",,,,=..,-,,",c..o~,,"_-V-"-=:'-=L"'~,,,"~""
I Creditor Classification:, \ Activity Description: : Paid and I
: : ,Closed i
__,_,,,_,,.,,~,_,~,=_",,,,,'_"__"""""'~""'='.""",,~,,~""__="~>"'~'"'''''"r-,..~~~",,----_"'_'_4-'~~'",---,.~...'t-,.- '~~.""""''''.''''''-''i
,Charge Off Amount: : $0 . i Deferred Payment Start Date: [ .
: Balloon Payment ~o~~~~: Balloon Payment Date:- ! -~
~=_ _' ~==~=---::;-,.~,,,"~,,".=..,..::-=,,,,,_,__,,.=,,,,-'-==_-':-==,-= . ->,--=-='-="=-==f"-~=-==;~'=""
Date Closed: '03/2005 :, Type of Loan: . . _ : Auto - -'
~~=_=~,,,,,,,,-=.=.,:o'",,,:..:..--:t=""""""'~""""--J-"~:":"'.="'="""""~""=-'='-;:.::..:~_.",..-:-::.",-",-..:;'.""..:;::o,-",>=","'-''';';''''''''.=':~~''-='''''-''''=''==' ,,,".-<r.'~==""''''.-.:'=._'.:L~''' xo;;~"",,,,,,-=.',,",",,,*,,",,\.~_-z-.,,,,,,"'.u"''-''<">'-'~'';
. Date of First . NIA
Comments:
81-Month Payment History
'-----r;---------- . ' I
;Year jJan.FebMarApr ,May ,Jun iJulAugSep ,OctNovDec i
~~"'="'<='''''-=::==-''--''''=;'''''-=':~=''''"--:';'''';;':=i==,~d-==~'==='=-~''==--"'';-=~~"'1'''-'~~----'=-~~~_"Z!oG.=-;?==",...::::.",..
. 2007 .. .. , * l" i .. , .. : .. i * : .. : .. : .. i "
\.::."",:..,=,.:=.."=...",:"...,.,",:,~~==::..-=.-=",,,,";",:~"""""=""':_"'I:.""",=)~~~='w;;""",,~~;=,,\-~;,,,",=~,=,",,.,."l==--=,J:=.==--~~=L<.,,""-----=.~'i~,,",,",=~",,,,,,""""~-=,,",",,=~~-,,,---=I
: 2006 '.." :.. :.. '.. i" :.. :.. .. !.. I.. i" !
~J<:=~_E3=1~~t::~;:-t:~~~4=~~~--=~=1~ -:;
~2.9~=~=:~~=.~',o.",~~~_,L~~_~:':'~'0:'"'~="':~.~:'::=--,,:~:~~~~=~==:t:":::"~I::."" ":l~:,:,:=,~J::~:==
_______._____..___.~_~~._._._..:___~_...._.___~._~_..____.____,___.~_~_.__._____.~____.__---~--.--..w...'-------o---.~--.4-..~"--"
BANK ONE
AUT
o
-
X
11/1998
$0
04/2003
$0
PAYS AS
AGREED
$0
BANK ONE AUTO
Dept OH1-0552 Attn:Cdv
800 Brooksedge Blvd 3
Westerville,OH-430812822
. A~~unt N~mbe-~-------- __~ I --------: Cur~ent Stat~-----------PAYSAS --j
~~~~~~l~~~~~~~~~~~~~-~~~
=Dat~~~~.. '~'~b"'b.~.~=~,;,.~~~8l~2~,"_=,_"~~,..,,=, ",=.="...!~al~n~~~=~=~~"_==~_..=~E.=~~~~~=,~.=
; Da~:.~:.p,3.,~2~,=~,=,___=,=",,,,,.="!.~!0~3 "."",...~_~~c_.~..==~.)~.~nt P~st I?~~;=~==,,==J_~O=,.~.=~_==.,===
: Date of Last payment:', : Actual Payment Amount: . $0 i
~=~,~.=u=,;-"",,,.=-=-_","._=""'.-=--:r~=o'""""=.;>O<o="-'-r.r="----=>=.=.=--""==~~=-"~",_=_,-u.""".~",,,,,,,,,,,,-,,,,,"-=,==-.~__""''''=l.,..~:,.=.=,,,===,,,~.-==i==,,"-''=..,..-~==:-,=='
l Scheduled Payment Amount: . $0 : Date of Last Activity: : 05/2002 !
~",,~,.=~=.=.~=-:---=r-<=_-="=:="'"""-;'-~''''::==.-'~''''"'''"''~~-'''''''';'''-"-='''':",.."~~-==-_"==.==or==.,,,,==.,,,,,,,=-~:,,,,,=...~.~,
. Date Major Delinquency First ! ! Months Reviewed: ; 32 '
. Reported: ' , :.
O':~=="",=-=-,,,-,,,",,,=.,,,,,,",,,,,"~_,~:"c,""'~'''''''-''''~'-''''-~....T''"''-,--~-,,,"......,..=:--,;~"~,,,,,<=w""__'''''''''''-=---=''''''''=-''"_"",,'''--'''''''''=''''..'~=-=='''''--~'"''''''''';:O"-.~~-'''''.!'"~~="'-,c""...~-=-""~===
'. Creditor Classification:'. iActivity Description:N/A .
C'4'",;,,,,,,-~,'a:co-..:=...-'...""~.t"=","=~J=",,,,,,::<=--,--,,,,,~--;"',,"-<='.3,-=-=.....~==--~"""".c.;.~"".".r. =.....-.:_ '-"~',.=,~a>",~-."~",-~==".~,~","",=-",-.,s='--:F=""';=z.:.,.-.=-~--=-"""-O'."--"--,__.~o--...,-__='
\ Charge Off Amount: '$0 - . Deferred Payment Start Date: i .. -.. -- - - 1
~~ _.-""'_."....._==.,~__;:"..i~.=.""'~~~~..===-~.,,'--==~.=' .~.'<=-==u:-~r.,==='""""==..-=:;
. Balloon Payment Amount: i $0 ; Balloon Payment Date:! i
i~~'~<'-='-......,~-<_.=---=~.~. , -= ~i-~~-_o~~
! Date Closed: ! . ! Type of Loan: : '.
:o;te of First Delinqu~n~:- - -iNlA=.~~=~.~'~--~~ ~~====--~-\
F~ ._ . ~."~==._..,.",.,...===~~===--.,,.o:......,..= -~~=~=,-..-=..=---=""'"='"=--==-.;::;::~."'===".=:=~
Comments: . Closed or paid account zero balance, .
· Lease
"....__,_=.,~,=-~~'''--.,;''''''''''"'~.=~,--'.-~,,,<7.,~---:>.-=.,..,,-.;.='"""'"',J~c.,=---=>'''''''''''''~''''=~.==","-;,=~~=''''"''''''~<='.''''''''_~=~'='''-~'.''''''''''''''''=''''=~''''=''''''''';
ht-tnc.llummT pf'rmcnrr1pr pnlllfl'lY ('nm/ntr./vlp.wPnnlTnDetaiLehtml?nrod cd=3BS&sub cd=... 10/7/2008
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Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 10 of 36
81-Month Payment History
l~~.~~.~~n~.~.~~~r~~.~,t.E.~~,:~~il~~!:.f~~.~!~el~y:.....,,_.~,_.=c=.=~-,=='"'' ~.....-".==".~,",.... '."~"
--,--~--------------
,",.."""."",."""".."~",.~~",....",-,-".,-",,,,,,=
FIRST
NATION
ALBANK
~
04/2002
$0
01/2003
$0
PAYS AS
AGREED
$0
FIRST NATIONAL BANK OF FLO
PO Box 413043
Attn:COLLECTION DEPT
Naples, FL-341013043
(941) 262-7600
[Account Number: [Current Status: , PAYS AS
Ii! 'AGREED
~=:u===-===-,=",""""-.....-=_-=-=:::;,.====r==--;;.--'"=-=~,,,"~==">=--.- -. ~=~===-=- : ~
: Account Owner: [Joint Account i High Credit: \$8,978:
I",-""""..N'='-~""'~'''''''''''~'''"~''''.'=o:..''''--' ,,,,"^,=,<;,;;,,,,,,,,,.,,,_"-';""-"'~='~"S,...,~=--,,,,~,-=r.~,,,~~..,..~...=.n:.-==7"~'"f'''.&l"'.=>w~""",=-""""",,,_,,,~~""'~~'_'=M--,,,...;;-,,,,-~-,,,,,,..:..--=o.~="=>$~=.=,
i Type of Account en : Installment I Credit Limit \ $0 :
I_='u_,,=_'="~"'"-"'="~"""=~'~='=--'"'"-' == '"M'"'"'~="= ~~'"'='i'"""~~'-=-='=-"-='-=="-' "i"~""'=u~='=-"==="'
[Term Duration:! iTerms Frequency: i '
__ ___ ___ __ _ -~.:o~~'. .-"......~~-=:
: Date Opened: i 2002104 : Balance: : $0 .
~~!.~~~~_.:"'_==='=~~3=.~~:o:=:'==~~~~'~~~~.!pue=~:~'-=,=E~===-=~:
l Date of Last paymenti ' ',Actual Payment Amount \ $0 '
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i Scheduled Payment Amount : $285 " Date of Last Activity: : 01/2003 '
~~~~""_~=='''''''"-=-~='~'''j=='''''''-'''-''''.'=-'''''''_-'''':;=='='-~"'''''''''~='''''''''''''''''=--=-'J"_~~~=-""""~"'.<J"''-''='==---=''''''''''''=='''''~='''''''''''''''-;=-~''':;'.-=''"'''~
i Date Major Delinquency First : : Months Reviewed: : 8 '
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,Charge Off Amount , $0 . Deferred. Payment Start Date: it '
~_..._=~'-~~.='"=~~=~-~.~~ - - ~.~==~=~,"~",
,Balloon Payment Amount: : $0 . Balloon Payment Date:! '
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',Date Closed:' i Type of Loan: i '
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,Date of First Delinquency: . NIA '
~~~==","-=--=,>=-~--="-=====~-=.".-..,.-"-,==,,,,,:;r====--~~"'==''''=~'''''''-'-'---'''-"''''==-''C'='=7""'....-==1.=~';>=..,.7""'""""""=~-==,==.:>.=-::.=-'='-""=."'=='
! Comments: ',Closed or paid account zero balance,
I
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81-Month Payment History
.N~8!:~~nth ~ayment ~ata avail~b~e_ for ~i~play.
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FIRST
NATION
ALBANK
-
____. _ __.=-"",=,=-,c","=c~=-,""=",,,,--__==_==_~_.u .---' '~<'.
04/2002
$0
01/2003
$0
PAYS AS
AGREED
$0
-~---------._----~
FIRST NATIONAL BANK OF FLO
PO Box 413043
Attn:COLLECTION DEPT
Naples, FL-341013043
(941) 262-7600
;AccountNumb~~--- : .., iCurrentStatus: : PAYS AS ~
i : i !AGREED '
!A~ounto;;;~~~-=~-=!j~int A~u~t'~C_~~'-~:'Hi9h'C;;dit~~---~==\i7.808-"'~'~=~i
,~~~~======r'~ - . ---4 ---'~ -~
i Type of Account ITJ: i Installment \ Credit Limit: . : $0
~",,-,==--='-o~,,,,,,,=,,<:,-=.,",,,"~,,-,,,,",,,,,,,~-~~~"""--==~---""~r _~==-~.,.=.=::JI<:'=r.::='.'-,,,",- - 'hC,'=
iTerm Duration: l (Terms Frequency: I i
,_ ~ ~~=~~~=_~ ~=~~~ ~o~....."i
i Date Opened: ! 2002104 : Balance: i $0 ;
1[lat;R-;P;~d:,w'.~~"'~~~1/2003=~~.-~'=-~rAmount Past Due:-f$O - l
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Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity ... Page 11 of 36
,,~!~~!_L.~~,~~Y,~::~!:.," ~,~,,"_~~~:~~!!'~lm.~t ~~~!,.,~,!?~_...,..".,.,......";
ScheduledPaymentAmount: ;$251 [Date of Last Activity: \01/2003 _d .. i
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: Date Major Delinquency First i : Months Reviewed: : 8 '
r!i~~:,='"=,~.== =~ ""~=~~J,=,~~,o, .=~=="..~.,._"~="".=,..,_L~__~=,'====,~,=J....====~=,~--='"~:
,Creditor Classification: I : Activity Description:: N/A I
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i Charge Off Amount: i $0 ! Deferred Payment Start Date: I !
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,Balloon Payment Amount: ! $0 i Balloon Payment Date: i i
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iDateClosed:. . ' " .1 ,". . ,.,. , . \ Type of Loan: .1
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'Comments: I, Closed or paid account zero balance,
'Auto
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81-Month Payment History
No 81-Month Payment Data available for display. I
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FIRST
NATION
ALBANK
1993XXXX
07/2000
$0
01/2003
$0
PAYS AS
AGREED
$0
FIRST NATIONAL BANK OF FLO
PO Box 413043
Attn:COLLECTION DEPT
Naples, FL-341013043
(941) 262-7600
!Account Number: iCurrent Status: \ PAYS AS
. . : iAGREED ,
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Account Owner: : Joint Account : High Credit: l $6,262 !.
.~ _...-,.~ . .._ . .____.",.o=~_' . ~,.' - . - ~-.~.~ - ~ --. ~
'Type?f ACCOU~! ~1 _ "._._ ..._I~~ta~me~~_ . _ ... __ ~ ,J ,Credit:imit:_ . .'__ .,. ." " _ __I i $~ ," .'__ -- _e
~m, -D;;ti~;:--'~~--'~ --,- T' - =-=. =--.- .- -.=. d "._~. TT;~-Fr;q~;;~y:-= =-~ =. . i'-'== - ~-"~~---l
'=.~=","_""","-=,."'-""7'r.-_.=,~=-..4L"_"::-:':"".O'''-''-'=--=''=;'=::~''='.='~--=.....-~..:z;=~~=..=..H.;::.""'."'.=I~ .-. __'~_~-:;:-~~--'-'--'-'-'-~"=-=1~<:!:.-.-+=--:;a-"=.'::~""""=-:'1
. Date Opened: ',2000/07 ; Balance: · $0 I
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Date Reported: '01/2003 \Amount Past Due: :$0
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Date of Last Payment:' 'Actual Payment Amount: :$0 .
"ikh;dp;y~~t An;;~;t;'$214 -"~"=='''-'=' . ..=<=. : Date ~iL;tActi;it;='~c=~=~=-ro1/2003"~==='I:
~_ __._ ~====-..z:.-=~-=:::.~--:::;--""="="""<:'-""'="""'-'~-=='.~--">=~- --~- =~r~==--=-~~;
Date Major Delinquency First i : Months Reviewed: ; 27 .
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~ Creditor Classification:' ! Activity Description: ! N1A !
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. Charge Off Amount: '$0 'Deferred Payment Start Date: : !
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, Balloon Payment Amount: i $0 : Balloon Payment Date:' ,
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'_!:lat:. Closed: _ ' _," ,==-==-~TyP.: of Loan~ =~==~., - j
Date of First Delinquency: . NIA '
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. Comments: i Closed or paid account zero balance, '
:,,-~~=.,=,==="=~~_,"=~~J_= =~~"=~~='~~'_L=,=___,~~=======-=-=~=J
81-Month Payment History
i No 81-Month Payment Data available for display. 1
.'ar="=..;...,=__.=.~~..""....=,...~.~~~...=.~,=.~..,,,-,~~......~~~e>=",-,'=_,~,-~,,-,:-,~,,",,~-,,,,,,,,,,,,,,,,,,,,,,,~,=o:
FIRST
NATION
AL BANK
08/2000
$0
0412004
$0
PAYS AS
AGREED
$0
FIRST NATIONAL BANK OF FLO
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Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity ... Page 12 of36
PO Box 413043
Attn:COLLECTION DEPT
Naples, FL-341013043
(941) 262-7600
iAccount Number: · Current Status: : PAYS AS
I ,!AGREED
~t~~~===~3~~~~=~t~==:=:~~l~=~:
ITerm Duration: Months ; Terms Frequency: 'Monthly (due
=' ____...=~o .,,=.~, ~.=.~=,,~~....=o.= ",,=" ,,=,=.~m.= ._~.=~~,ry n:.o~~l..d
;; ;~=~:~::=:~::::==~=:,~~~~:="~:-=:~:::=:=:
: Date of Last Payment:.. '. ,:04/2004., . " :Actual Payment Amount: ..$6,029 . .:
l~~~~.g~dE~i~~-~f~~0~~=.~.~~~C~'-'-,.~~:~~.:.===~":JE!t~[~~;t ~~~~~=::=_J~4/~~94-_~~:==_.
: Date Major Delinquency First 'i .. Months Reviewed: :,43 ..
';_.R~p_~,!~~ =~=.=.==~-." .ML=~=~ =-""='~-="===~==~-=~~='=~="=~~'='~'=~
: Creditor Classification: . Activity Description: : Paid and
.="'''~=._.=~-~ ,.... ,".' ..~~... ...=.. ....,..=... ''''_'''...=.='' ...=~~=".=~.. ~., =__".o,,=_._~_...--;~-~s~~-... ...........;
: Charge Off Amount: $0 Deferred Payment Start Date: ': i
i.==~:=-=",,,:.,,,,.~-,=...,,-,-,,,,,,,:.,",;,,,,=>-~...,..-,,,o.;:",,=",--:..=',,,,,~,,,,",,,'_'''''''=-<''_~'''''::'"='''' .~..:;.~.=---====-..>:.:==_~-.:.--r -"- = -~: --' -~.._~-'.
, Balloon ..pat!!,en!~A~~~~t~~_J~~~=,~,,,".~~..~,,~=,o_,~J-Bal~oo~,~~t~=nt,,~ate~~=~_=,~~=~-,~,_~,
:~~:..~]~~!~,~"~."_~,",.~<",,.."~... ,~...~/2~0~~o._."...~..,..,"~..,...~".-,:!~.e=,~!.~,~~~:___".....,' .~~~...,.,..,,_.,.:.~~!?=..~...,..,~c...~..:
: Date of First Delinquency: : NIA
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: Comments: ' "
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81-Month Payment History
---_._--~_._~~-------------_.._._----
--.------.----
No 81-Month Payment Data available for display.
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--_._--~_._-----~--------_._-
FMC-OMAHA
SE
RVleE CT
01/2006
$0
02/2007
$0
PAYS AS
AGREED
$0
.,------..-.-------.-----.---.---.-,-------------.---.._._--_._---_._-_.._"------------_._-----~,._._.------
FMC-OMAHA SERVICE CTR
PO Box 54200
Omaha, NE-681548000
'Account Number:
PAYS AS
',AGREED
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Term Duration: ,60 Months:Terms Frequency: ,Monthly (due
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. Date Opened: ,2006/01' . Balance: ,$0',
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Date Reported:, 0212007 Amount Past Due: $0 :
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: Date of Last Payment: ,0212007 . Actual Payment Amount: " $20,062 '
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~ Scheduled Payment Amount: $496 . . . . ',Date of Last Activity: .,.! 0212007 ..'. ,,"
, Date ~-DeUnq~e~cY Fi.;tO~=-'~=.<".,=."~~.==! M~;;~"~~"'=!~-~'~~'~!
:~~ ' I "
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: Creditor Classification:, : Activity Description: : Paid and . :
! '. ! !Closed i
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'Charge Off Amount . $0 ' Deferred Payment Start Date: i i
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,Balloon Payment Amount . $0 . Balloon Payment Date:: !
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, Current Status:
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I
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity ... Page 13 of 36
I ! i
i Date Closed: ." . . . ,0212007......... (Type ofLoan: ...... .. . ..' ,Auto .... . ...
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l Date of First Delinquency: : N1A . - .'- . - -- -- .nl
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! Comments: i :
"",=-=...,=====---=_-"-4--=-==,;:,__=,:",,-=-~-,=-',,"'="'a .:.=.,=.=.,::"_,:""__,,~=,,-;:>:,,-~=,,l.==="'"'-"'<"".=C=-':'="""-""~=--~-===--=""'"'.'==,=:--.....c:".=""..-"'a:..===.=~..-=~~-'O=='=-"'"-""
81-Month Payment History
\Year :Jan [Feb :Mar !Apr \May - iJun ~-i,AugiSep ,Oct !Nov iDec i
'"__'="'"",>'~'~""' ="t'>>" ~"i"'-""'-">i>'~"".='~ "~>"""""'~~'~~'"'4'=""'~"-'-"'-"~F'=~'~'~-'"=~" "'T'"~=_k.7.~.~.." . =:
, 2007 :* i 'I Iii Ii! i i \ i
:."'....=~""--.=...=,...:=--='"";:;;..""r::.-==-..:l..=-.....-='I"'"""""-===i<.-:<=""==O::-"i"""~"'=:='=....i=.=..:;=""r"~--,-=""I~I""~='-=.':":=<--""=-~-ry-=====""i
12006 ' * 1* * * ! * 1* 1* i * 1* * 1* ! * 1
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FMC-OMAHA
SE
RVICE CT
01/2000
$0
12/2001
$0
PAYS AS
AGREED
$0
FMC-OMAHA SERVICE CTR
PO Box 54200
Omaha, NE-681548000
I Account Number: : Current Status: ' PAYS AS
i : (AGREED ;
,.....,=".~="""".= ~""""'.,:-:.>.,~,-___::-.p.="C::O'.-,4'=..-""'"'~,..""''''__''''.;...",-=--'"_.=...~'-'=_,_~,,,,,,,,,,,-_,,,,,,,,",,,,,,,,,,.=>-,===~=""'~"'''''=''''-~ =."-,,,,,",,,~,=_,___~,=~,,,,,=--,",,,,=J
[Account Owner: 'Individual Account. High Credit: :$20,812'
[;e_~~=~='~~C~~~='~~. !~==_=E"._.=-==-:
:Term Duration: iTerms Frequency: i
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Date Opened: 2000/01 : Balance: $0 .
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Date Reported: ~"=~__ 1~001 ~~_ :Amount Past Due: _ =~~~.c=~
I . I I i
, Date of Last Payment: i . Actual Payment Amount: i $0 ·
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'Scheduled Payment Amount: . $346 . Date of Last Activity: : 09/2001
~~~~~-~.~,-~=~=,~~~~=~~,~=~=~~=.~-~~"':_~._~=-=""'"...!
, Date Major Delinquency First " i Months Reviewed: : 23 i
! Reported~_~~,~_~J=,.=~~~>,~'"o=~"~""~~J_--=~~"="=."=z_=.._~-='-..- .,.,"~c~=~"=j
, Creditor Classification: I i Activity Description: '\ N/ A
r-~-"'...-'=-:>'"......==--===~".===-......>-.,..==--"'===~,=~~..=.=.=-==..=-~- --..-=:- ,- ~=-=1=~=-"="-"'~=""='---r=.';
Charge Off Amount: : $0 : Deferred Payment Start Date: ! '
..~='''"''=<,='''~.:.orr..""=''o''''"'-''-~.z.'''=-~.....,..>J.::y~:~c::=--""':==~=''-'t':.=."..,,,,.I==--=-==..=.."'T".~"'-"=--~.....",."'.=""=',=T""-=::.'''''~_..'Q.===
,Balloon Payment Amount: . $0 . Balloon Payment Date:' !
rDa_~~C1~=~"=,~:':_.~=:'_==~__"_~=:=:::=~=:=:~Of L~~-=='-~=~~~<=.._~~
, Date of First Delinquency: ' NIA :
:::o'-"""""""'~=.--===_=~--""='Z==-"""=-~-=.,..--=""'""~====-~.='Z=>."'=='"==<-=-~===~'"..=.>-A"-..,.;==.=,~..,.,==--;
L<?2~,~-=~~~,~._,=~,~~,_.,= ,=,,,,~!o~~~. orp~~u~~~r~h~ce_ ==-===~,,=-,=~'''-
81-Month Payment History
: No 81-Mo...':~ent Data av~able for di.:P~Y' _. .h===~~==-=~=.~-~-~.=,-~"j
._-'--~--
FMC-OMAHA
SE
RVICE CT
.. _ IT:...
10/2001
$0
08/2004
$0
PAYS AS
AGREED
$0
_.~---------~
FMC-OMAHA SERVICE CTR
PO Box 54200
Omaha, NE-681548000
!AccountNumber: i .'-" 'I Current Status: 1 PAYS AS
i \.! iAGREED
~......-==='---=..==--"'.=.=,-:;:"=-,==-"='""~=.~-=..<==-=~='=~ ". .=~=-'
! Account OWner. \ Joint Account High Credit' r $25,809 - .--:
~"_."_,~._.___,~__~,__-,--".._'_c~,.~-=-'-~.,-~_.~~-~..._,...L.~_.~,.~.-,-.-_I
, Installment ' Credit Limit 1 $0 .
! . '
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity ." Page 14 of36
i Type of Account [II: . .'
r~~~~<~"'~~='~"~~~-~"'~-"~-~~~="~~~-~'-~"~~~~~~'-_..=~~---=-C
ITerm Duration: 60 Months ,Terms Frequency: ; Monthly (due !
~.=.~.,=,_"~,~~.......... . .....,........"~.f..=..==~.~~.__....-.,_.....".........-~.i.=..~......~....."=.......... ......._~.........,~...."::.ve2.~~!.:I~h) ..~...:
[Date Opened: :2001/10 [Balance: :$0 i
~~~~!e~rt~cf=.~...=:.-~.. .'=J~E~~ .~=.=~~.~..._.-~===_=i~~~;~p;;t~~:~:.=~~J$O::==~-.~::~:::=!
: Date of Last Payment: ! 08/2004 : Actual Payment Amount: : $12,122 i
F:"'"=.~====".,. _.=..=..~-=.=~.=~.~=~.".~_.= - - -.~~=~.
;, Scheduled Payment Amount: : $463 : Date of Last Activity: \ 08/2004 .
i~MajOr De~que~7;y First r--'=~--~~ M~nth;'Re~~..~~~120 - "~~'=i
L!:_eP.<?!!:~:_.~.~.~_=.~."'..=.."'..~..=":._..._..,."...................."..~..~.......="....i=__.~._.~.._..~~.... ,................ ........._:'.=...~...~.~=....J
iCreditorClassification: i[ iActivity Description: 'Paid and
, : Closed
1""'J."""""'<=I,..~-","".==="r..=_v_,,,~=,=_"-'''~'''''=~~"7'=='--''---=~)'''=-''':=::'=~='''=~",.=,..".-~==~=n.=='Q$'=='.e""'~":I~"""--=",-=-=",,"=~=->";"'-->=-="""'-=~='"""=-----="""
. Charge Off Amount: i $0 ; Deferred Payment Start Date: : I
~~~.-=..==:.=---,,,=_,,_,,,-,,,,,,=:~~=~=.,,-*-=,,,=.,,,",,,=--=-".;o-",,,",c=,,,-"o~~~",,,."=-"'-~<"-"'~"-.;i~":""""":";'~'=-~"""-==~'-=~--~="'='="'-""-'-"""="=""""".""'''.'=':'''''' "...."-"'=-".-'"
: BaUoon Payment Amount: : $0 .... ...... .. ." BaUoon Payment Date: . . '.. ..: .......... ..'
""-"-' ,..,~=..~-O..:..=~'-""'~~..-...r~..-~-c~."'~=-~.~~~'-=="'''"'''....=''''''''......;''''......:;.:...~O'-'''"''..:.....::.-=--_-~__:_...c=-=.o..:"-~'"'"=_.........=.~~
Date Closed: _ _~ _.__~.-___L~8/2~q~. ____., __._Type of Loan:. '.' _Auto ._
i~~~=~~~~~~~~i=..:~"~~~,~~_..-:_~=~~=.~:~=:....:::~.==.==..".:~_.~~.=:~~~..~..-.....~,~.:...~:=~="..~:~~-
! Comments: :
~=-~===-------"'""'=-,,=~--='".:.=--=""-=-=.'.,=---==;:.::::::-- ~-_..=-~===--~-==~
81-Month Payment History
No 81-Mon.th Payment Da!~ av~i1~ble f~! ~ispl~y. ._ _ _ ~._" . _ _ ... ...
c. "...........,..."'_"'_..,"""",.",=..=...=="'->;.=.. ..""".-.""".__ .._'" _.A"~='_":> ..1..."'"-""""._.-,..,;,"'"_...._,;."", ,.,;.__...;..______.._..~c....-~..,__.._'_..,._~;.'......~,'".._" _0....__.._"-._.=->-.._"'.,'
_._----_.._----,~-_."_..._------------
,
-"'-,-;':'.'-~' '.","0 ,-",~",,,,,,,.l.,,^.~,<,,_~_,,-",...,,,_..=~~,,,,,,,,=.,,,~~.' """"""-"''''
~__________~~------------.-_'n-._.-----.----.----..------~--~..----.----.-..,--.-...-
REGIONS
BANK
-
0711998
$0
06/2001
$0
PAYS AS
AGREED
$0
Regions BANK
PO Box 11007
Birmingham, AL-352880002
(800) 734-4667
-----~------~
[Account Number:
PAYS AS
. AGREED
~~~~~t~~~~~,=~:~~:__"==~,=rI~I~t~~'~~!=~~=='~~.=IHi9E__C~~~'it~:==:=,~=:~,~~:~.::~':'~'~~,~~:-~~:--:::
! Type of Account III : Installment . Credit Limit: . $0
.Te-~D~ti~~~'~~'.."''''''~''~'i'-~-''-'"'~~'~~~'.'o'-'=~."~'~"~:~=F~~~~~:"--""~""""--'~"('~'~='"'~""~,=..,=,
'D;te Opened~ -~'=~'--:1998/07 ~~-~="-Balance: ~~~~=~~"-=--~:"$O --=~~~
r~"='~='''~~'''''' ",'~=,"" = ~""=~~~-~~~~~=.,'"~="= ===~~,_.~=..==. ~..,,~... ...~.-...., ...c".~......J"=.=._=,-.,".--n'."'''---''
Date Reported: : 06/2001 'Amount Past -Du~:' . -,,- . - i $0 - ..d --- . .~.
~".-,"""""",==.~'-~"'";=-7.'-=-=':~=<13<"""""",-"",-~""-=-----==~,""",",=,,,,,,=,~=,..-==:.::=~.~=.=~%=...~~~~===::.,,:
. Date of Last Payment: I tActual Payment Amount: . $0
..~~~-==.-"'~"'--"='-l.,==",;=,_,,~,="-=,''''''''''''=",'a'..~'~'~.'''''-''''''','''""~,c,<,-,,,,_,,,,=~__,=,,"~=~~''''''''J.<''''C~'''__'''',,,,,,,,",'O''<:--''''''''''''',",,,,,''.".-='''''''....,-=-@""""""=-=>"=".="'-,~=...._.....=.f
. S?heduled Pa~ment Amou~t: _$626 _ __~_._ _,.__ _._ .._--,_Date of Last Activity~ .._ - . _' ..: 06/2001. ". ..
:Date Ma~~~-Rrst-fl==-=-=-=~-="='-':MO;th~ Re;e~~d':---~~"~'~'-135=~--~~~'~'
: Reported: · I \'
~=="""=,=.=.=-,-=~==","""--===---==-=<o----==,~,,,,",~~~==-==.l==.=..,.-,,--=:<.~-,-""'-""""'-'
l~~~~~~Sif!~~<:~.."=~=~"t=~,=,.,,.o_=~=",=~,~=.=:~-ctiV~E~~~n.: .____=_._==J~2~....~._~_=~_.j
: Charge Off Amount: : $0 . . Deferred Payment- Sta'rt Date~r- -- -.--- ----I
,=~~~ .- '- .~-=~==~.==~~="-===. '=i-~=.====~=~~==""i==.=~.==..=....-=..~".=I
i Balloon Payment Amount: i $0 , Balloon Payment Date: i
'~~'_'''--"''''''''~'''''''_''''..=''''"''''--''''.O''''-'';::;'-''''=''-:"="'"~==---"="""",!:>r.-...........",,",,,,..:..-"",,,.,~,:-~,,,,.=,-=,",_,,,,,,-,,--"=,.c=.,",,...>--=>=,,..=~,,,"--=c-:<=:-""""~-=="'''''~=-'-'-~'i--5:::-,"'='.=~""""-"""'''---='I-~:,.n..,~
Date Closed: i;TypeofLoan: ...-..--: - .. ....... u!
r----- _. ~"'-'""'""~"''''''L''''","_-':''''.-:-=~.""","--:-.,=~."""..-",,,,,......,...___,,';'~'=~''~'~''=~'''''O=_==.-~,_~","".......~c,-_~-,^"",,,,,,,,,-,,.=-.I...-_====,-.-.~....=.-,,,.=-..~,,._-'.",-=..-' - -.-.-,~=----",~~.-.=,._~..=..,=-~.;
~.!:.~Firs~!?eli~q~:.~~~~~.~_~~~.~~~~~~~~=~:~__.'-~=~~=-=..="~~~=~_=-~::.- -:-.
,.~!"!l1~n~s:_=.~.==_=".==~_i ~~2r,~d!.ccount zer~ bala.~ ~~.~==~"~~~= .='~_-_~-..__ ~...-==~":=.:~~..J
;-
.~-
~ ,Current Status:
81-Month Payment History
INo 81-Month Paym~nt Data available for display.
,____,.,.,.,.. _""",-,..._..."-="""""""=-=.",~...,.,.~~~,.,-.,,,",,,,,."."~="'-""'=,C''''~~~ =~..
..~"""=,o:....".'''''"-.:.~'''''''~....",.,f
.-.---.-.-,------."'7:""".~..---:-:-._:_:__-.--...~.,.------... ----.-- .-..--~--_..------
VW CREDIT
IN
04/2000
$0
OS/2004
$0
PAYS AS
AGREED
$0
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity ... Page 15 of36
C
~.._,_._~- ._- -.._-,~,---_.._-_._--
V.W. CREDIT
1401 Franklin Blvd
Libertyville, lL-600484460
(800) 428-4034
iAcc~-~nt NU;;-b~~~-~-----------------Tc~;:;:entStat~~-----------:pAYSAS ---:
\"=_=,"'" =~_~,"====__,~,,_.=L-~~==~~==", '"__=,"_=_-="~ ,.jo~~= -=-'='=--'=~= _.-~~~==-~--=~~!!!~~~~- ,~,=__,I
i Account Owner: : Joint Account I High Credit: i $24,164 \,
~~~",,,,,~",,,,'''''~.'~''-'l'-'Z-~'''''-=,",,.'''.~,,"~''~==-'='''''''''''''''''='''''''''''':=~'='''''-''-~""''"'''-~""~__""",_--:=-==""~=_",==....,.,~.":.--==.=r.....,..~~~"",,o:.-c=,,-=,,.."':a"'="""~-"""'-'"".
\ Type of Account III : Installment " Credit Limit: : $0 !
,.....,.,.".=o:o~..-,==~.;.='''""''''~''''''''.''-'',.j"''~''''',.--::.:.,,=~~'~;'''''''''"'"''..,...,-=,=""",,,,>=,-,=_--:,,,,,,"~~,....-",,,co<.-""=."="'~"""""''''''''"''"''''''=''=~'-'''='''"''=~;:--''''''''--:''''''""""'"=='.=~="'=-~~':=~">:"=""'"';"""="
:Term Duration: :60 Months iTerms Frequency: iMonthly (due '
", : every month) i
r===~~~=~_=~~=,_~~____~=,~,==~~=~~~,~~==~'~=-~c-~I~~~-'
,Date Opened: ,2000/04 " ,i Balance:, ,,' i $0, \
[-='~_."",,-,,.,,",_.-""',,,",,""'::r--"=.'.'."':;'"'""~"""""':''''''~u.-.,...~.==.,...=~''''......,.="'o,~'-o,,"'"=..""."<:.o=-''''"'''-'''''.,''--=.,-''''-'--=,t.:..~''=~.-.....=--''-~~=""-.......:.. '-=7-"-'''~'''''''''''''''oJ'-''',," =,....:0-.'0:--.="..=1:."".<--""--".,
Date Reported: ,05/2004 ',Amount Past Due: ,$0 !
~=-=--==~_ -------;:'-"--""""""'=~~=''''"',.."~..-..=.,.,....,'~,=~,.-'~-...:;,..=.-..=~.:T.<''''''''~,,....-....__-=.=--...~:.~..=~.==---=="=:=:r=--~="'''''=i
Ea~~~~~t p~y~e~~=~~.==:,~/2?~~,.,~",.~",~~~_,=_~.=~~!!~~:,~t A~~U~!~~,~, j~~~=.==,,=~_~J
. Scheduled Payment Amount: '$524 " Date of Last Activity: ,04/2003 ,
. Da;~M~r;TDeli-~~q~~~~-Fi~.t!"~~=~"~'-"'"==--~="=~~"'~ths ~~i~w~"'~~."~"~-'''~'-'"~
, Reported: . ' i
~~=.""-::...----o"",-",-";=-..-=-~"=.='=l=~-,-"::;;=...-.c=~""~,,,":_.:=.:."'=-:r_-=.-=",-,,,,,,,,==,.=,,_...""""':=---=="'=~~,...-=c==='"""-""--"""="'"...::::."'==--~'=,,:"'.~.
: Creditor Classification:' iActivity Description: 'I Paid and :
!=_",=",~~=~~"",'~"'~~='C=T"='="""-'"='="'~'."=,~~~~L~="=_~=~~"w~=~.,=,i~~~,~"---,.,~~","
, Charge Off Amount: " $0 .. Deferred Payment Start Date: i
~T:t~~~~3~:[,==-=;~g~~:C:=-~:~
~~~e of ~irst~el~n~~en~:~~/A=~,~~=.,~,~~=_,~.,~~="~~._.==-=,,=,-,=,~~-~~,.=.~'
Comments: '
, ' . .
""".o-""",="====,-",,,,,=,,,~,~,~,,",-,,,,=-~,,,,",,,,,=,-"",,,~.,,,,-,--,-=-~,,,~~=='-".J""'''"._-~'==....=_==="",...="',==:-,...~"'=."',-:.-===='''=->'"''''.''".,''---~=.,=';''..,.~""'"",,---=-=,,="a..=.-,'=..,,"=~.=-~"'"
81-Month Payment History
: No 8~-Mon~h P~t~entEata available f?r display. _ __ _ . _ ___ __ _ __ ____ _ _ . __ ____-~~~~J
.=>-=_.""=_...:...=_.._._,___.=__..._=_-c=,."..."....--~~=,..,:,~-=.-='==.=-,.,,-~.=_'"""""'""'..-__=~____=-_""'""'''' _',0..-"'_ _....,.~ ._.,...__..""""_x-:.,."",.."""'--."-""-~-_..."'c--.~,....~~..~. "_:>.!.<._2-.,
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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 Name Account
Number
AMERICAN EXP ~.
RESS ~
Date
Opened
09/1988
Balance Date
Reported
$4,214 09/2008
Past Account
Due Status
$0 PAYS AS
AGREED
Credit
Limit
$0
AMERICAN EXPRESS
PO Box 981537
EI Paso, TX-799981537
(800) 874-2717
!Account Number: 1 J : Current Status: [PAYS AS
! I ! :AGREED:
:~~~=~_~__,~~_~=-=-_-~_J-'~='='~=~~=oJ'~~
~unt Own~r: ~__ ~!~ndividual A~unt :, High Cred.!!.~~_j $8,136 1
! Type of Account: . Open : Credit Limit ' $0 ,
li=~~~::"==~~=l7.,.-~_::=~:~"":_c~~==~=="=~!=~.s F~~C~: ~=~==+,==,. :-==.~--"j!
h++.-n.l/nrnrnr """"ncn1Ylpr P{1111-fl'tV l'om/otl''/vlp.wPonTTnDetai1.ehtml?orod cd=3BS&sub cd=... 10/7/2008
I
.
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity .., Page 16 of 36
~~!;,9J:e~~,:?;""",,"~ ,"~,~" __,' ~9~~~!~.9_""."" ., """r~~~'~~:=~-'-'"""~'"'"'"'" ..."~~~~~"
,Date Reported: . . ... ..:09/2008._ '.' _ . 'Amoun!PastDu~:_. _.-- \$0.._ - ........
;' =.~ ,=,==~~,= .='"~..=,-.,.... =- '-r"'."=='="~~' =....~. ..~.-.~.~.=-,..,.,.=-==~~..,,--~._.. =.~' =I==-=--='-~-
l Date of Last Payment: : 08/2008 i Actual Payment Amount: i $0 i
r-:-,,=~"=~,,~~,~=~=,=,,-~~~==,--,~'=='~===~~'="~~-'-='~~=i~-~'=....
,Scheduled Payment Amount: ! $0 \ Date of Last Activity: ,09/2008 ·
I_...~."=_.=....__...==- .~_.-=~=_..""._-_.=......~" ~.-....,,,..~._=..,~,..~.~~_.=-----~..=.....,...._==.,,_.~-,="'-"~'='-""'"
: Date M~jo~ Deli~q~ency First' ' .. - - l Months Reviewed: : 1 i
i Reported: ! \ I i
~ficati~~: --~~="~.=-===~~====-"===rActi;tY-De~ZriPti~- ,N/A .
,~,.,:.,,,.-..,,,,,-,-.....==-_~=_.=,,,,",,,,.,.,~.,.~,,.-.-.....;.,,,,.,,,,".,,,",.=.='.."'.......".-",....,,, ..,.~,.~~'"'.....,._"""".,""-=.'""""""':..=""._--:::..-.~,.".." _.-,.,~.~_................---~=~=-""---"~-~....",.,.~-=.""'$'""""',;;....~i
: Charge Off Amount: .. - .' : $0 ' i Deferred Payment Start Date: \ i
F.='....=,.., .~""..=,,""~~O,"...,='_ ,,~"'".",,"=="'~'~ "'= .,",,",=--""" ~"'$="" '"-~-==,==",=.=~~='=".".=='~=-=='''
\ Balloon Payment Amount: ! $0 ': Balloon Payment Date: 'I i
r:"~-'= ="'_"=,'"".~="~= ,,.., ",'," ""","'""==' ~"'=..~~".=-~ ~'''''''~''==',-'-'';'--'-'"'''=''~'~~~= ='='i~<-'-"=~' 'I
, Date Closed:', i Type of Loan: ; Credit Card !
I""".______'-""=-'~.....~"=-".,.'-'-...,.,...,,..."'-"=-';:....-....,.,----<=="'.,."~.'=.<=".~=,.-""''''.~-._,....=-.l:...=r..;,'",_"'."'-'",--<..'.~r~~.:'">=>'....,'',.---_.'''.''''''".-.=''~''',.-""""",=,~-...._."..,,,O'=~..;",,..-,,,,"=,~~.,-,,,;,,,^:",",..~,=,,,~.,,,,..,,,,=,,~=_=",_."o.==_~'~="":
, Date of First Delinquency: . NIA
~===."".=>J~=,,,-,----=,,--=====-==,~~====-=~-=-~;~-=,"~:,
,Comments: ' '
,,,.,_.,,..~""__~.,,~'o,,'.'"~.. ,_.,,,,,,.,.,,,_' c.,,' ,.",...,"o#".~...,,"'''',.-,-,.,..~"''. ~"o",__",,,,,,-,,,,--,,,,,,~,,,,,,,,",,-,-,,,"~.,,~..~=..,..._,c,.~, .__...,,~..,._",.-'"
81-Month Payment History
'Ye~;:-'---rJ;~-;'Feili---'- M;~--:Apr May""l Ju;-'~I: Aug .--! Sep Oct ; Nov : Dee .
"""~_="",~~"==,""~~=,,,~,,,,,,,=,,~~'==-_~~~'='~==<="'=='~"=~=~'1~"~'~~~=="~'~='<-=~~
:2008 !* :* !* i.* :* ',* i ' i ! I I
']007=:::=~~~:..:t:":"::-~~..:t.~_':: =j:...J:~:;-~='d: ~~~"~
,,~006 .;* * '1*'*:* 1* !* :* ;*
~~~~~..",,~,~~~=:~==_\~~".J . _==j.~_,_ _.:~_j<:.,=,.~"~~,-,,~.}~..~~_l-;-~~J~~~:,,,.' I~. ~J:=,,:=i
2004. , ' * : '. ! * . · : . : * : *
~=_~.="'_. _.~o~~,~."~~~=~~===,~=~~=,~~~=~~~=.~~=-+=-==~=J===._l,.=..=~~=-=~=:
'.2003!* ',:*:* '*:* 1* i* !* i*
'"=,,=~=.,.=,,. ,,,~,=,=,,,,,,,~=,,:=,,.,",=",'.~=,,,~,,,=,.=;.~=.~==:="_"_'.=,:"..===,.=l...".="==,.==-.=~==...=.=~~!.=-==,,=.',,=-,,,==."=,==~'
; 2002 * : * . 1*' ; .. ':: *
! :rOO1""'~"''''''~='''= =~ ,. ,..,:c,..:.",.".,=~,...=."., ..., ,=~-, .==..,.==.. , '==" ==,,,== '=="~~~"=""'~.=====''''.T='''''':''=' '..., '"=='''"\'':=.,='''
! 1
!:.,.:.o,.~--=,"",=",======,=--=2:"==~-='="'=-'="=-'="'':='.r,=','''''''''=''=; =-"-"'c--=~_,,=_-:::,=.-,=,==--=~-..=-=r.....==';;:;====-;
~-~--_..._. ----<-_._"._._._._---_._.~----------------".---
AMERICAN EXP ~
RESS ~
03/1988
$1,573
09/2008
$0
PAYS AS
AGREED
$2,100
AMERICAN EXPRESS
PO Box 981537
EIPaso.TX-799981537
(800) 874-2717
r_._._____-----~------~~._'-'--,.
._----._~._~-------~^'-_.._~,.
l.~..--...-~----_.._.-..~.~,.---------.
,Account Number:
,Current Status: PAYS AS
, 'AGREED
'''c"=="==,=,",==",.=,~"",,=~,~"'',,b"~==~-'=""~'===='=='==..~~=,-=.="=~=~=~~,~~~~~='=""!
~cc~~~".~_=~"__~~"",~~?iVi?~al!,c~~~~=r==~=~_credi~~~"_~,~. '$~~~~"",,~-
~E~:c~~~~~2_U.~.~...~~..oc==O",,,.~j~~~0Iv~:=-~..,~,",=,,~~,~~"~.l~~it:=~~".=~=~~j~~' ~~~=.~-~=
!!en:'=~~:~~,?~.;"..."", .~.,....,"~""......."~c".."._==...,,,,=~..r~.""".."r-=w,,.=,,.J. Term~!~<!u~nCY:,=_=z~~,L.~,~="~=~'
! Date Opened: .1988/03 ' Balance: ,$1,573 'i
,,=",r,===.r=::r~'=<>= ~-.=<1.~:=-:!_=.--"..",-,=..~.:- =...,::;"=o:..-=,....~-=--~'-"'.=._.~='~=~~-n=<.""="""-.",.--="".~..="""""....-==..=""--<!!C=~.,-'-'...'J"-'''''.
. Date Reported: : 09/2008 :Amount Past Due: : $0
=.""-","=",=-"=_r-",,-=,,,=-="='_='--="="'o'_=""""'''''''=='-''''.''''''-~~=--'''"''''''='-'':!:'"~'"'''--0.",=._="--'"="'"_.="""",,=....... ~.. ,"""",-~=.~,~r~~=~~->-
. Date of Last Payment: ! 08/2008 . Actual Payment Amount: i $0 "
.....--._ .~ ... _ _"'''''<:;....='r--=~.'''o==~==.~,,:-..="~='''-==-=~ . 1 ..._- - '.'_.~ ~ ..=<".--=-~:=;.
'Scheduled Payment Amount: '$0 :. Date of Last Activity: '09/2008'
__='=->=~=...:;-"';.:..'""'...=,...,;,"'--=".r."""'==<=-:-~J""---==""-"".e~~=".,..":.-_.;:::r'.,""," f"._~f=-"='~=-''''f'''~.~-'''''''--=-....~=.'''''"".==..,'''''''--="~~~..",,.,."'"^~''
i Date Major Delinquency First i : Months Reviewed: ! 1
. Reported: i, i : \
:C;editor c.i~~ifi~ti~~~~~:~==_~,~CT.=~~C=:=~~~~~R=~=:~"-' ActMiY-~riptio~~~'='- ...-.~-,N/A~-~.=-='=-~~i
fCharge Off A;ou~t~~---'" '-=,'$0 == , =._=_~~_-Tr.-. : Q;f;ITed-:Paymentst;"rt D~t;'I~=='=~='--\
i'r.'.~=,.=~_._.,==-,.- ~"~~_=,..=_~~=.=,,~=,,=,~="'~':---..~'-=1.=.".~=-".T=='~1
~lIoon ~ayment ~mou..':~-..Ji~'~~= . __.===+ Balloon Payment Date: ~ ~
:Date Closed:, iType of Loan: Credit Card i
[""= =-==--"~''''...,.._=c''-.",..~=~"''''''''==--=-<''.'''"'"'--:-.o=.<:..-=='""-=.=~...... ~
[Da!6 of ~irs.! Delinquency: LNlA __n ~ . ,,' i
="'-~._,-=,.__.'"'_._==,~"="'=....=-~.-_-H. ..~ ==,..".."""",_..,.._"~_"7"_=~^=.''''_____-''''''''=~o:r=--=.'-='''==-='''-='==..""'.'>=-==-==<;
':E~~.:.~~:_,.~"~~, ===,,=~_~' =~-'''~., , ,-~~ T.="=~=~' 'n=._='====='===~""~==-~="=~'='=''''=-~-'''=
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I
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 17 of 36
81-Month Payment History
.....-------,-,----;--------.-,--.-.-,-----'----.----
!":~~~~.=ff4LJc?n.~ ",~i~e,,~ .,,'!,~~r "'~,,)I~Er,,,~:~-~y,,,,,,l~,~n.< =~~~~"";~~L,,,"r~~E,,~,-<?~ _~-;-N~V,-,'~~:,~,-~:
i2008 i** i*i* ;* r,* i* i i I :
12oo7~=~=;:,.;:.~--...= ';;;;";"".rI;,:=<=-..-~;"".=---"(:==".::='1'1';="=-~.;r~~'~'I.z;~ :;::-=''''."'''';,.--.~.-'--.. ;o.=..-.;.cf,'. --~='-r;=='.;="=r:~~i.~- - --_.1.*0>';'==r.1~
h....=~=<";",..~"""",.,~:~"""".~",i"",,_"'~"=~~~,"c,=L==,=~,,,, _"=".,_~"!~=~,,.~J~~~_,,,,=,i=,~,,=.,d...o~~,~,~,-,=~J,=,-'-=1
i 2006 1* . * : . " . i * ! . i . 1* i . I. : * i
~_._..,~_,=;=,~._"""':I='.,c""'=,=~,.""~""="='i.~"",~",~L".,=c,""=.""'~"'='" =="r"'==' "i="=="" ""=,.<<=~-"=;=",,,=~-,<~_=,~I ~,=-,=:
~.92=,J~~=~=~* ___~,::----""~,-,,,J,,~=,,_J*, ,. t:== 1* ~ ____t =~~=~
:2004 \*. ;* ,. ;. i* :* ,. 1* i. ,. 1* :
l~~_~" ,.",: "c,,'" _,'"", .,._....1"" ,,,,, ,.,,,~r ,,=,~. =,),."="~"",,~,,,~-,,_.,,,~ ~".'=,~""~,.J."=,",,,,, ,"",~L.=."~=~,,.' '~O"~""M"t=".=="," .l=__~,~_~,,~;,
: 2003 : * : · i * " * " . i * ! * ; * i. i * I *i * ,
L.-.._."".,~.'~."""""""""'''"'''~'''.",'''''i''.'''''''"'''''=--''~~,~,_~.,~~"',~._~'''''''=>':="".".=,,'"...=r",,'~.......'''_.....='.~~.~."_.~~__,-""-,,.,,,,,_J
\2002 ~* '.* ',* :* :,* :.... ;* 1',* "!* !* i* :* i,
.. I i I : : i! : 1 1 1
F-$.."~~"'~""'.~.,~",.""'=,.~,.~~"'~"."'..~'-"~=.~.~=="="""=~r-==,==.~"'--==j=~~~~,~;~"'''-''
12001 ' ,!': I, ! i.
=........,-"".," ..,"',,".-....'___,.,.. -= .. ._,...".,..==...~'"",""""'='...._,.'-"-'''"''"."~".o..:.;'_'~. _= .-.~,~--'~-"""',..-==.'-'"...."-'"~J........--=--'-""'--'...;""..,~-'l-"".",---=~, ,"",..,=~. ._-.:o=.-_J..~...,""~.c..J_'""...'--'=.'"'"'~""_'''''.''"-._no..~"''' ,,--.~..~==':':.'"
BAILY BANKS&~, 06/2002 $0 09/2005 $0 PAYS AS $3,300
B/CBSD ~ AGREED
------- -
BAILY BANKS & BlDDLE/HSB
110 Lake Dr/Att S Walker
Pencader Corp Center
Newark, NJ-07104
_._~--~-
! Account Number: \ Current Status:. PAYS AS
i! :AGREED
~~--==_.__.. =.!'L-"';":;===-......~=:_.-=-==,.-..ol'"--<.=\........~. --=~ - =.~~ -.
',~~~~~~!:.,"'==.,''''-,,-''''-,~~,~dU~~=,A.C~~~~'''''=.=~~~!.ed,~~:.-=,.,,""""=""=,=-_~,~2,727 -=~.,===,
i Type of Account lII: : Revolving i Credit Limit: ': $3,300 ·
b=~="-"''"'-;:'''.''''~,~'''',.."'',.-.~..,,.-~-=r:'"','"~''--'''''--=-..:.,-''':.:-''=,:.-~'''~'---~.:....='....'=i.:;..o=""-".."'==..,.,,'''-;:.,,~=!'''''='''''"'''"'''~--.-.~_'''''''=''==:o;::=~.,~__:r..:.-~~''.."""'~.,='""::.""~-="":=".=-'-'=""=-
: Term Duration: 'Terms Frequency: . Monthly (due '.
l==o=~~=.==~==~=,=,,=~=~=,========-""'=='~==~-==~ ====-,_~..!:t!!,ont~L,,~
'"~~!:,, ~E=~.:.~~~."W-" ....._"'-__,. ="~o.9E.~~..,.~"-~~,,,.,,,=,. ,~""",.=~,,~ala~ce:=_,=~=.,".=~.-='''=.-j.~,.-....,,-...-,=,-""",_.=.'
, Date Reported: '.09/2005 'Amount Past Due: $0
f-" ~_ _ ,:",.,:=~=~-==_="--==.~~~=c":=- ~ ~ -=r.="""".....~='--.-m==a=......~'==
Da!e ~_~st p'aymen_t _______06/2005 _____ _ __',Actual Payment Amount ';$0
r~h;d~'I;d=P~Y~~;;t~~~-nt:~$O==-'-'-.='-~~'"'D;te of Last Activity: .-==: 06/2'0'05'====""
i'[);te M;;r=D~Ii~q~;;~~Fi;~t=:="===.==.==,.=.~=====I~~ih~R;~iewed:~===="=' ==-,';-=='
. Reported: i ' '
~= ,=== ==,"======_~~~...i= =="'_=_~':=""~'''''="= "====,==,',=o~~:~.=~~="'=-==,,=,,'''=======~'
'. Creditor Classification:: :Activity Description: ,NJA :
.="'_,_~.==~"'=_,~=_..,=".=.,,",.'=='=="'~,.-=oo='-~"'.'==".:","_."==,,====,.==.l~, .~="'~_o=.""",-""==~=,,~"~".-'""'''"'".''
i~e O!f.. AIT1~,=~<~="~_<~O _~=="c~~~~~~~~j Defe~~ment Start _o,ate: \~~~~:
Balloon Payment Amount____ $O~----~--- __: Balloon p~yment Dat,::__ "'-~- -,
F=="~'>- _. -, ----" ~d"'~;==''''~~'_' ",""'''__d'__'_ d'"' -=~--~T""'<~,=~-.-.'.~"~~T''''=='=""='~''
Date Closed: i Type of Loan: ! Charge :
, ,," iAccount"
~,..=,~"""~~--='-:==.=r,.,=~,..".=-".,=~.,=-=-,.-''''-=-::,.=~.-.=:::"J='"''''.-=-r.~-'-=''===_=..~.,~=~=>='-=-~-=:="'-o;:;t-=-=--=--::;~=----o=''-'"'=,-...,=~~~'-~--.=-==,-.r,a:.-=-~,=.".
...Ii ""... ;iF
:pate of First Delinq~.E:~cL_", "_Nf)~ ___" _ "" - -' - ,,- ,,- " - - - _:
__"",<=~~==o~-.-.,.,.,.-~"-u'-' _.__"_"-,,.."i.=""',~._."""_""'___.~_.._=..~..._==_on=:_=._._."'.""'=-~~==-<=..,""""=-=.,'=-~,-,=.=-""=-..=.-~~.'-==-~,.-=~..-;.
. Comments: " :
;.,,'==-< .,=.,=,.""""",,,,,,,,,,,,~"~"" c",.=-", "'''='',4='~"'=<'''"..,'''=-,=-=,~~===,=''''4,,"'=='====..~~~'-~~=~==~.=~,=-~-~='
81-Month Payment History
iYe;---Tian ---'Feb .Mar \Apr iMay 'Jun iJul lAug :Sep 'OctNov :Dec "
rc='-=-"'-=r===~I=,.~=---".=-~,==:.....,,=;~.=~~.==;'="~'~~'"=l==rc=-"="=:'~
2005: : * ! * i * !.,. I * I * I 1 I : "
~:::-===;:=. "=]:'~,,~::.=~Q:=r = J::~~l;~=<'.=l:~~~:~=~~j:=~=~=~C::J
'2003 ;* ,. 1* ,. ;* :. '* i* ',* ,* '* '* \
i ~=~=~~ -1= "* ~!. t. 'i -~:~ '* ~~
i~~~",,,<,~,,=,=~.-1-~L--!-,,. i _L.......-J...~.~~.-l_~I_,~~j==,==J.
CAPITAL ONE~' 04/1994
BANK USA . . ._
--~ -.---
CAPITAL ONE
$1,194 09/2008
$0
PAYS AS
AGREED
$4,700
1-....___ 11..___.. M~~"n"""<>" Mll;t'"V l'C\m/f\trlvlPwPnnT TnDet.ail.ehtrnl?nrod cd=3BS&sub cd=... 10/7/2008
I
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity .,. Page 18 of 36
PO Box 30281
Salt Lake City, UT-841300281
:AccountNumber: --------~. . . : Current Status: -----------iPAYSAS--'
I ~ i ,AGREED .
, .' . . . - . .' - ' .. - - . ~ , - -- , -. -- .,". . ! . -, ;
I'_~~~=~=~-~"-.,~-~'~."'.~~""~~"=...=-'~'=~~-'==~~~u-~"~.~~~,----=-====~>
; Account Owner: 'Authorized User I High Credit: : $3,683 i
l~_:;:;;;;f1C~:=~-I~~~~.=.~ ...~...J.c~t~~~:::==~=-1~~~o.==:=
ITerm Duration:' \ Terms Frequency: ~Monthly (due i
~~~~=~':~::~:1~E..: .=~.:'=~=:..:'::::::~~:E~~:j
'~=~ep~!:e~;",~"" ,~=,~,"~,_",:.,~~~~~~,=,~,__~~"~=,,--_,,J~mo~nt- ~!~~~~~:~._-~="~~,--,,--.."~-,-,,,.,:
'. Date of Last Payment: '.08/2008 i Actual Payment Amount: : $1 00 i.
l==...~':;:="''''-=.;u-",=-"""::ut~='''.,===",;.-_c",~'"--,"~==''''-''''''''':'-';o",,=,,,-=--''-''''-""","~=,r.;=--"":o?-"",,,,,,==>,==,,="-,-.....-===-~:.,,,",,,,,,,,,,="""~~'~~'-'''-'=~''"'''+=";'''''
i SchElduled_~~Yrnen~A!:"~~nt: l$~5.n". __H ..... '.. "'. i Date?f La~~ Activitx.:. _.' _ ~9!.?008_H '
:'D~;~M;j~~D~ii;q~~~q;'Fir;t"-"~ . ",. --'- ---".~-,=.- ".i'M~~th~'R~~~~~'--- -''''~-''-r99'~=-----' .-.~
: Reported: I i I:
~-==cr.......-==,-=-===..cr'=""'1.'O-"==-'0."-"-'=="""=-"':"'_--.c:=="'=-=--~""-",,","=----"'--==-"=---"==="'==.","",J'_~...u==<-~=..u....=::..:.==;:---..;-".=,=.-"".""..",<:--..,===,~-,~-:..'.;''''''-.",,'''''<-''''~=-='''
i.Creditor C;lassification: _. __ .__._.., _ .l.Acti~i~-p'escriptiO~:- ____' N/A - .--- :
~_~_="='~.~,"""",b;,.,",,,,,,-.=..,,-~.~.,,,._..c..~,',",."'-"""~''''''''''''=-''A:.c-.;~.....-,..o..=..__.c......:>";~..-=.:,-""",,,,=,,",.....,_...,,~.....=-,.'.-.=.,=...._.~'--_. ,""______""''''",.'''.........~==,.=''"''''".,o.._"''''~;c'';''''_.,~__'_.'"''
~~~ar~" ~~ount~~_"~~,oo_"$~~==,,.,~==="=~===)E.:ferr:~~ P~~~~~'! r;ate..:L~"=~~=="~,
~oo~~~t ~~~=~~!~_=.,~~,~O- .==,~,~~.=>~_"~,.~.~=~~~alloon pay~t ~~te: =~=j~.~._~
I ' , I ~
. Date Closed:: i Type of Loan: Credit Card .
~,~~"""'=~=<G"~="-,~.==~c,'''''''''''''"''.,..,.''''.,,~-'....,''''''''-~,.~,,..''-'~'''''''.-,,,,,,;..r-,,,,,,,,-.==--,~,--,.==o:""_=,,=~,,,,,,,=,,.,,..",,,,~~it.If,""="'------::"""'="-"-----'-=,,,,o,',O_,~,_,,,,,_,,,,,,,,-_',,,'="";.cml.~~.,,-..-....",,,-..:-~"----"-"<"'""~---"
: Date of First Delinquency: NIA .
~_'-' ~ ,,=-=~=.;=-V1.= ;:~.-",,-=-- ~==.. -=-,~",==,,"""'__=-'-"""'-:==~'" _"'_.,.,----"~~_~-="'~=""=-~="'-----=-=.1.~~-.-= :..;-==~-=-..=="=.~.r~~-=1"i''"''''''~<
. Comments:
~..=-.=""",-=c=,,,,,,,,z===-,,.,.=,o==.,~,...=",,,:;::..-::G.==-,.>...~'-:..--=-,"""'''''-=-=_=.1..""="""_=",~=="""-,"=.,,,".=,,,,,=,=---,,,,,,,=,,","--==,,,",":'.-;=f''''=':':''"' ,.,:"".-",.'::.="",=~=='-' ,.,~.-,:.~.-,;:",,,,,,-,,~,,,,,,,=,,,;,,,---,,"'="-
81-Month Payment History
-----..-.,
12:~a~='~:!~';.7=~'".!;:~ ~,~~L~=,,~E.~~~=~~c,~~~~-,J,~~~=",~~~"~'"L~P="~= ,,~~!~ . Nov . Dec
: 2008 . * ;.. . * ; * I * '="=="'""="''"'r=;=~''~'=-
!_:::",""""".,""-, '=..;__=" =~ ,,:,","_.",,,",,,,,-.-...-,-;:'".~....:.'. ,.:.;,'0=::.::..-.....'.7.-'..r:r':. '"..; c;."::';'=..' _c;.=-'.' 0",":',;;:-==='.' =--:;-"..., -'==.=:"_i_~'_c=="'"".,.,..,,:~,,:.-::'""ou.""':=.~--="",""'::!'''''~:;..';o.,"''''.,'"''"=~''-''"-=-c-=:::::..:.-:l;.-''"~_c:..-::.;.;;.."''.,....--:o::'-'O''':..:;.::.,'''',=
, ~~l""=J":'=='" .-,~"=..."=.-=.'c.."..~~.....,-,.=,'=,,,"<= .,,'=':..,'~=,=,=,~ a.~'===::~=.=""===="== ,=,~,:==~,==i,,=~..~=;==~=="."!i:.~=.===",
'2006 . * * ,* * ,* ,* . * ,*.. i * ; * . *
'~?~=:,~:~::::::,~:::::~'::".~-~==-= :.=_.::~,:==~:===:=:~:'====~~.=-:==':~==~F:~~,==~'~~======~:::"=:=-:=::
i 2004 *. , * ,; * . i *, * *
...""'-..;7~:=.-..=-==.,"'=-.l_"""":._,O'-'--'."'"=--'._~,...~...=-"'-=-'-'"~.,.:::;>:;::.='-',.~=-.c::;=r~_~::r."-T::-"'-'-'----:::=..;,'.,=;==..-=.::!;;.==;-.,...-"'"=-'----::-.=-::=.-=="-.:.:."""'1.""""'~.;.;.,-.r=--'--="",:==="""'=..=~..,..-""'. =---",,~',;..=N'.=
,~~~~="_""'"~..~..."'~~...',.:,~.~,,<,,='" ":,_.~,,...,'~ .._".,~c~,:" , "".._,~=,...,: _.~~..,."'~.:=".,~,=,,,:>_c. "o...~...~,."..=",,--i:,,~'T".~~;'" ,...".'''.-...=-k=,-........,.''...'
:.~9~~~...,,",.,.:. "...",..""...",,,..:,,~.~,,.... ..:, "...,.",,~, '....."""...,,""-..L:...,...,,,........."j:,.=,=~...: .:"~.."-,,,,..,..:.,"'~~,.,,",:,,... ,__"..T ..).....~",.,_.J:=,.",..~,...,.,,,:..~.._-~..",.
. 2001' :' .....,.:' 1*
~==.-:.:_'""'._c=="'=_"".=..o=-=,,~-==__::=--"--=":,""'-."--""'""'=='-=-~""""==."r'==~-=:..~~.,...~...",.."'...,.=.-==.':.."','t!::""..L--=-""="""-.",....---,,_-,'-""....""'"'~..r.::.,=---=.-.~---:::="'-.=.=~
CITIBANKSD~-'--" 04/2006 $5,088 09/2008 $0 PAYSAS -.- $8,400'-
NA ~ AGREED
-~------_.__._----------_..~--_.._'------~..._._--_._._-~--_._.----
emBANK SD, NA
PO Box 6241
Sioux Falls, SO-571176241
(800) 950-5114
!AccountNumber: -LJ LJIf : Current Status: ,PAYS AS
: .. _ ' .. AGREED :
l=..~~,.===="'''=,.=.=.~=~.='..~~===j,==~~~..=,.=....~===.,;.-~~~~~~.=>:
:AccountOwner:_ _________AuthorizedU~er _ iHighCredit: !$O :
~,==~-="'""..~==~__~~.._._:==~,2:r-==--::c=.~~.~=.~..;~~'~-r=====
'i Type of Account III Revolving : Credit Limit: ! $8,400 i
" "._.--:'._,~~,~=.=..__,,'_=--=-==~'=.=-=r=-'-~~=-=.=~i'-~'~~""""'"
iTerm DuratIon: i 'I'Terms Frequency: iMonthly (due :
:', "every month) j
iD~;-OP~~;d~'''"'.=''=~~~~==~=i.2006;04=~~-= =<<"<'~==-rs~~~:~=~==='~~"~=l $5,088~==j
~.~~~==,~~'=."~~"~=~.=========~<~.~.<=~~ --===-~.".. ~" '<-===-~=~';
I Date Rep~rted: ._ . .' 09/2008 !Amount Past Due: i $0 ,
I=~,.....-"".....-"=~==-....="'.-=>"'.="""'==---'"",=_~>=>c,~..=~=="--""''''.''''''-....-~~ e--=...=.~"""'"-~~~~'==-'-'
: Date of Last Payment:'. : Actual Payment Amount: ' $0 -Ii
r~~~~~-~-,.~.,,-,,<,-'"~~.=_.,,_.~==~=~~<~-~~=.~-=~""--<~.,,-,,,"<=<~~<=~~F'~<_'....
i
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Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity ... Page 19 of36
!~~::~~~~..P~~~~~t...:~~~~t:,~_~~2" ,Date of Last Activity: 09/2008
Ii Date M~j~~ Delinq~;ncy-Fir;t-i - '~"'""~~:M~~th;R~~i;';~d~'" ""~~"-'~":29
~;b~",,~:~:_==C==:=_:-::-::=:~:~P'~;-~€:_::=::~
,Charge Off Amount: $0 , _ :Def~rredPaymentStartDate:L,,_ ,," ,,\
. ,,,c:~_"-"U~'" '.....';:;::'~='."".."',, ''"'''':'''''l>"=.=_-.o=,...~=:o...:.l''-~'..=!"''-'",""",,: ~,=,,:.C, ,<".~."'",,:'::'A-""'-'--"'-''-''^_'""t.:'-'''".,=''.''"~r'''''''''''''''''''''''''''''='''''''~.OO::::''~~-';':'''''''~'''''<="~~.""_==_,-""~.:=o.-:..=:-:..-"...",..,...,-,~,,,,.,.,,""..,,".-:
: Balloon Payment Amount: $0 \ Balloon Payment Date:! !
==><=--.=-~-'-~~=.",.-~_="":".-,,"_~===---..:=_==----o"""".~.===-..:..""""'"..,..."'--=="'=""""~"'-~=~-=<=.='""-"",""'='-cJ"~,.-;===--=-=-.:=-...=.:.-~"""",,,...--c=.'
I Date Closed:' i Type of Loan: ,Credit Card I
\.-.__...........~""-=,~"":.o~~""'...,.-"" .=,~.~"",.....,_.--=."..~."""~,,'_=,....-,,,,....-_.,.. ~._ ,.,.,= .."..._.","",".L."~.. _""-"",_"--""_~,,,,~,_,.",",-,,_;,,,-,,_,,,=,,,,,=,,,-=""""""""OJ"""""""-'""'"""...,'""~~ =-.""""...,.=_~""-",,,:;,-,<"",,,,._~_,,"~->."~"O"~,,,~-.:.._;=,,,,,,,,",,,,,,,,,.-=.,,,,,,,...-=,=,,"'",,'<"""'-"'''~'
,Date of First Delinquency: " NIA " _ ' ' _ ' i
P"'"=",-,>,-.~=~~,,~_,=,~,'-':c""""='O<.=='-"'"'"'~.-'="'-"~~"'-"';===c,",-'-,..~,-"..::=-=,~- ... . ~,-_.-_.-:-._c.,.""""."",,,,,~,,,,,,,,"~=,,,,,,,",=_..----,~.~,<.::.=.;..-~
: Comments: i
I=~_,""" ,_~~~""c;~'~""", '" ,~"'=~=""~=" ,~:'=,~==,="'==~=~"~,~==~~~-="~=""=='='=:==~===='=~,'"="~'
81-Month Payment History
~----_....----------_.._._._,-----._--_..,--_._-~----"------._-_._--.---~-----..,
lYearJan 'Feb,Mar 'Apr May 'Jun iJul !Aug :Sep 'Oct :Nov ;Dec.
f"'="~~-="""""'~""~"-"~""~-'~'~""='''~-''~':=,"_"~,=~,="~"",-~"",,,,~,=.,..,-,,.~c_.,,~~...--~'='"~,=_.""""..,=,~-,:""""~~,,,,,,,,~,,.,
i 2008 ,* '* ,* : * :, * * : * ,* , i i : :
:---~)~=".,~=~="':~==,=z~~_,-,-,,=_===i,~=j==~~~=,,===+-~,=...J,~~........,.J=-,,-,-='_~_~'===',
,2007; : * 1* i * ! * I * : * : * ! * i * * : * :
F'"= ="""'1'"'' '''''''''$:'''~ "~,,,"" '=;='"='="""',""'="-==':" '~'~'''=~:~'''''=~''"f''~'='~=''"''~''W ~~- 'r-""'=r."-=~~Y=' ""'''-''''.='''''~''''''''''1
, 2006 ii, ( * i * ;* ! * i * i * i * ( ,
I=~,==,=,,===~""'''"''='~~'=''~~~"''~=='=~="'~''=~==~'~'~~~,=,~~-==~=.,=="~~,~=-=,==.~"'~"~'="~'=
EXXON/MOBIU ~
emBANK ' '
0111985
$0
09/2008
$0
PAYS AS
AGREED
$250
EXXON/MOBILlCITIBANK SD NA
PO Box 6497
Sioux Falls, SD-571176497
(800) 950-5114
PAYS AS
AGREED
I=_-=='.""n=""'.>-"=,=..="-....",..""~"":''''-'-'--:--...-..,,.,..='''-''.-~.,.="',.".-,......,.:...""'=~'''_~'='..,.===--===o;:-=='~===....,._....==...:,:r.'''"'''='''"."""_,.o.;.~,=.,-=""-.".._.=-',."'''o=:i=>o'.:r..~=~.~,.-'''.....-,,=-<:..,='''=,'.:;:,.,''''
,~cco~~t 9wn~: _,,____:~oint Accoun~,,_ High Credit:_ __," ':$0 - -~--',
.""==__-=__=__.==___,'"--...~---_.~=."-'__~.,-,__~-==___=T~==":===<=--=-="""""'-.."..-----~-._~-=-=~--==_._--=
!~o~nt q:I:,,=~~___ Re:~~~~~~_">._~~~,,~ ' " C~~ Limit:_,----_.-"""=-=--~~-~~----
iTerm D~ratio~: -- - - " - '" - ='--:Te~s F~~que;;y:'" - ----:M~nthly (due---
="~~,~=~~_""""'==~=,=_='''~,=~,~=,_,~~''"'==''=,_,=,,.,:,=~~~"'=~=,=,~=,=..,';"~,=J every,1112~~~2,,_,",
~~~~:::=:==@~~:..~:::::'~;~~;Ip~~-==::l;~::'===
, Date of Last Payment: 11/2005 . Actual Payment Amount: . $0 ..
,==-==--"",~'07,.==--==~~=-=-=r~l~=,="~,,.-==-,,,",="=,,,=.-'<'""~-==:otr~=I=-=,,,"";=="""""'=r-.=ilLo,~"""'~=='=-"'--""=
: Scheduled Payment Amount: . $0 . Date of Last Activity: : 11/2005
, Da"teM;j~~-Del;;;-q~~;-~ Fi~st =_c=~~"~~~~~~c c=~~=-M-;;~ths R~='"=--~"=i17'~~-'=~"""~O"
Reported: !
l=--=-~"==".==~=."':l::"""'"~"'-~-=""-=--<---,,",,,-:-"='=""'-=~"""-=''-''''''''''''=~-==',==-=",==-"="=,,-_~=-=-_-====--"'~~-'F_,"---=,,===-.=-,,,==:r=e.=-~"-"-'",,""'''''-'''''''-''<;..==",,~-"':i',
I Creditor Classification: 'Activity Description: ; N/A i
~,....~..._=_..__.~_ '=--==:-.-:o=...~r.f~~-=~-",=,=~-=,..:,=~.,...=o=~~-,,~_n=>----==-=:==="c"~===-=="'-"'-""-"1
Charge Off Amount ; $0 ,Deferred Payment Start Date: ,
!~~~~~i~t~~~~~~~r~:-=~\,~~~=':::~~==:':"=-,:=:~:=~:!;il~~Y~:~E~~~L~:",c,~:"=~~"-,=",=~'::,~=:==:,
Date Closed: ' , , '," "', "",! Type of Loan: , , ' ' ,',Credit Card '
:o;te ~fRrst D~li~q~;;cY~"-~"'N/A'"-~'~~'~--~"= ,,~,",,~~__=,~_~~,~,-,~~-,~=--===='"-=m
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'Comments: ' ;
~-='-J:',,,,,,~~,,,,,,,",=~==,,,,-,"==,,=,:,,,,",~,,-==,",-:;,,,,,,-;--==-,,=~,,:=-~=.~,,+--==""'""=~=-':..-~..=-.=='J'"'==~__.""-":;"'."'=___"""-=---='i;.="""-"- J
.r
~
: Current Status:
------'_._'---
, '
81-Month Payment History
lYear , lJ~-", _Feb__Mar ,Apr :May lJun !Jul lAu9 :Sep 10ct :Nov :Dec i
~~"7-~-~'~ i *~"':J:~~j j:____J:.=I:--:f=J -- I=-=,: -L.~===J-:~=i
~~O~~! ~::r~ ~=i*,=~C~=J==,=_ i*_.=.~_j~"=.,i~J=-.=~!.:=~,=:.===j~=I:~-j
:2006 i*i* ,* i* 1* i* 1* \* 1* !* i* i* :
F'~~"'"'t-"=~='=F~=C~==~~=-'-=~~"f~.,=~.~,.~==J==.,=,.co~~<-~=-'
12005 '* :* i* :* :* ;* ~* :* :,* ~* ;* ;* !
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II
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I
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Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity ... Page 20 of36
*
MACY-;S/DSNB --~
11/2000
$0
09/2008
$0
PAYS AS $500
AGREED
MACY'SIDSNB
9111 Duke Blvd
Mason, OH-450408999
(800) 243-6552
: Account Numb~---~- -----"C~rrent Statu;----- 'PAYS AS'--------
: ' i :AGREED
~.",..-=-<,=-=-<="--"",",,,,",-,;.,,,,,,,-=.o=:;,,,,,,:_=,,,"~=,,,,",,,,,,,","-=,'~,",,,,,,,,,,-,,,-,-"-"""'-"''''"'''.=~:''.''===~"''=='''"''-''--=='==='''''';=='''''~"''~-'''.'_=>O='''~_=.::=~'''-"",'7....-,"7=:""=~.=""_'="-'='''''''''=''''__''''-=_=O''''~'-'.~-.-=--'';_''',''_''.=-_"''
Account Owner: i Joint Account I High Credit: : $0 ..
;.....-=-~'"""_===..:.'"""'---;:---.c.==~~.'_-==n..=:==~===="""'=;:,==~==="'"""""'===---=~~=="'"-:=.-.=....--=-"-=-''''"~
" Type of Account III: i Revolving : Credit Limit: : $500 :
~_ _ _ _._.==-=._~____=='~~ "=_;~"=~~,~-",,.....=J
l!'~~ D~r~~~~~"~~~..~_==~~,o=~~==,o~=====~2:!~s F'!~:~:r~"~~~~=~"~~~=",
,~a,!,e" ~~:..~~ :._""~,_~"'_~=."m.M~~o..~!l~"~""=".,~"""""-".,,=,,=,,,,~alan;::~,~ "~,,..,=.,~_o..~=;JO _ ""~"'""~=,~"
, Date Reported: ' 09/2008 i Amount Past Due: i $0
,_ -~~=~~~~.~~- I I
Date of Last Payment: , 01/2002 . ,Actual Payment Amount , $0
I---'~~-=~"~'-~--=~'--""-~'-~""'~'-='=~- ' ..~.,-~~-_.._~._.,....~.~-~,.
,Scheduled Payment Amount: . $0 , Date of Last Activity: : 0112002 .,
~~~~::~e;~~~_t~'~~~~===-~"~=~~~..~=~~T~ont~~ Re~-~~~=~~J93__ ~~-~~_~~.~~.
Creditor Classification:: .... . '. . '. '.. : Activity Description: . ". ,N/A.... .' .'
~~""-"'="'."''''--''''~_~='''-''~-'''==~'"'''=~=- =,,~=~.,.,~~ =-"-......-:-,,,"-=--,,= "-""--=-~'"~...... -- '--==""'-"'''1'''''''''''"'''-- ~,,~"--'-=~~=
. Charge Off Amount: . $0 , Deferred Payment Start Date: i
:""-=--==_""""..o:a=~~""""......,.,=====",-----=~=.,=-...-.."=--=-==--=,.=..:..,,,,,.,=-"'==-=~t=""""""~~-"""~--'~-~-- .=---=
, Balloon Payment Amount: ' $0 ! Balloon Payment Date:'! .
:-=-~~~o:=-~""=,-";,-~===--~,.=--=-,,=.~~~c,,,,~.~,'"_='.'7'==",,,"~.L",="'~=~""'_""=':'---;-...J-"==--=::..l.""--=-'=-~T"""""""'=-=J"""","-~'><='~'=-="';;":='=~':""".""--""-"""'=-==-.
Date Closed:' : Type of Loan: . Charge
, Account
=~~te of!~rs!.~.:.~~9~e~y: ______ '!:!~~___~...=~..=~_..~_~,~"~=- __. _.~"__~"~~~,~~~~...~_=_.u..=.~~=-
, Comments:
, ,
_ ~ .=,.,.,=.:=-:-..::.",~~.,..,.,.,.,~.=..".,..._."-,:::..;."=~==-,,,.;..-=-=,,,~.=;~-=-="'r:="""=''''''-.-_""'"_""':'':''_~''=o==:'",,,''=_='==-O:Z;==='''''''=='~=''~'''':~;;''='''''
'~"k"'=""'-_'''';-"''-_~_'~-'''''-.''C.'.-~_==... ~".~ '~~":,,,':..:o:.~:---,--","""'::''''j ,- =-.,.---,;." :...~.-,,--,,--,,,_.-=.~,,,,.,,,,",,,",-,.::,
81-Month Payment History
_-:------- :: ~ ,-~_____,---_r_-_:__---.---r--~-----:---'---:-------.-.-'
: Year :Jan :FebMar 'Apr [May :JunJulAug ;Sep : Oct 'Nov,Dec :
I~9~==!:==:::-' :=:'~~:~:~~:=;:~,.=::~J~:~~:~=]~~=:~~~:[::-==I~::==~=J="'~:"=l=:=:T:==<:':.:r:"~~,=u:,.
~~~~~=_~~='~,:=~~~~~'~=='~:' =~.::='"'=~~"~;~=__;: _~,; "'=~=~='"'==~r;=,==J-~=~~=, i,_*__~==,
l ' ' ".-:_"'"C,-_J';""C-.",'O._-:;:;"_",,,"-.,,",,,~.:,._~,..=,,--,,~\~--,,,,,,~~."'"""""~"""\~"="''''''''''' .C"-"""-"I.'.
;J~1~:i~3~3(-~B~~~=E~1~=t~j
,2002 * * ; * : * : * : * . : * * : : ' :
i2001"'''''.'~=~'"T~~~~ 'r="---"r==~i=~=~~~~:!~ '~=I=~=i ==~='~~I==<='~=r="===I~=<="'T;==='="i
l:"...L""'==~"""~=,.=,.=-~~=_~=-.l.~""",==nL..-==...-=~~=..,,.=r.'~=-=.="'====""=='~~====~~-o=~,=.""",--..--;=-~
----~
MACY'SIDSNB ~ 07/1984
$0
09/2008
$0
PAYS AS
AGREED
$1,200
MACY'S/DSNB
9111 Duke Blvd
Mason, OH-450408999
(800) 243-6552
[ACCount Number:
i Current Status: -----1 PAYS AS -,,--
1 ..
II
.,.
I , J .
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 21 of36
. AGREED
i''"-'''''''''" ,~,,,..,,,,.',-,,..~ .0._;.'0;'_ ",__",',,-'.,.".-,",,-", _n_."'''''~_''''-''''-'''""'''';."=''~. _;,.:,""_.'" '. "'T -_,_.... -=_... ',0.'-- ._......~",......""._,.....'_~,.-~"~,'-',,.c-_._='~,., .0"'.-.=-"'-"'" __...............c,.,. ,., .,~.'c; .=.,;.'~'","'r.-_ .\ '_.-.~ '-'"-. .'~
~~~~;;;~~=".~ :~J~€~t"l=__:=',~l~~J~=~==~~~oo ~--,.
[Term Duration: i [Terms Frequency: 'i .
1"."'='''''''''''-''====''=_=--''-'''=" '-'-"-"''''''''''''~''",~""-.f..)._-'..~',==-~..:.;='.=r-,-"",,,,,,,,-,-,,"~,"-==-..o.=:''~'''''''''===I ~ _~~="r::-.,oto...,.=~.-,.."=-~--,,"=..=;====<=---"""-="-=---l."'=.
i Date Opened: . 1984/07 . Balance: ; $0
"=="'.__"'".::,,,..-e,'-="""=="-.....=_="'=._"".-.<'"~...~e='''''.''''',.''-''=~...~'.-=.~=."'".=.,..~-""==""-'-~,~-'-"""~,.".-"'~~-><=.=~...=-===,,..-'...,.'=~"'----~"'".,"".'"'~==".,..="';='"'.-'-=~.-=""'''~.=.~'"'''-.,
'. Date Reported: . 09/2008 ! Amount Past Due: : $0
____. - - ",~,~-==--.:I=",",~-=-=---'=== ~"'~......-=-=-=""====-~=='
! Date of Las~ ~~~l!.Ien.t:_..__ _L1~~~.007 . . .'_. __,... _.)ActuaIPaym:nt }\m~~~~ .' ." J$O..' .... ~."-. --J
(Scl;'~d~ledPaY~e;;t~~~~t. ;$0- -~=-=- .-- ----.~ ---'~"':D~t;cl'Last A~it;- --=,. "'1,1112007"- ._u__ .
iDat~"M~j~.;D;ii~q;;-;~~y Fir~t'"'~' . . ~."".~~~ ~ . ="~.,==.,=M;;~th;'~~i;;;j~= ,-=.. "':99==='= '0"=
! ~.:P.<:~:~= ... .ow ",. ._=" ..' ._". . .=.."""=~==.,.~ 0_,0'. ."0.' .~,.."o=.~""' "..,.
,Creditor C~assifi~tic>n: .... . ,. . .'_ ....._ '. ,=.__...=~.",,,J~~ity"Des~~~:=,,,,....=.-,..,',,c.l~~~.,'""',~"..,..
:Ch~;g~..~A~~~6~=.:_.-= _:~~ ~O- ~-'_~ __: Deferred p~ment St~rt Date:! =___,~
,~~:I~~~!:ax~:!1~~~~~~~~~""'?~.~"'~~=...,.,~,=, =="',0=: B~,~2~"~ay~e~!E~~::,._0_=,.,'~=.=.,.,~"'~,o,=._,==,,='
Date Closed:; i Type of Loan: . Charge !
, ,Account
_. ';::.=C-'""'="''''''~'';':--'''~=_-== "'.c~..="'_..="==-..::..=.=""'"_,::..:,~.,"-'".:.=----""'-=..;A::l,;-'''=.-===<==~"''~."i'=:;.''''--''.=~_--'''',2:._,'''"''''''.~.,:,=_==,r--==c~"''!.
""'q!!!..~~f,~i!.~1,~:~!.'5t~~:L=~=:~~,.=o=o==,=,..~="'~-.="=,=o,o==,,="="=~,-""'~",._,.,.~".,=".==="'~=,.,"...",
: Comments: i
"",."""",- .._..... :=-",",-,"",. ","",,,0 " .-.c..."._-:c-_=,,~,",,-=.~' 'f."_'-'.; ,,..."" .--".-.;...o-::-e..=- _ "._~. .""". .-:_-,.--:_'. ...."""'-'"',:0 ,,~--.::==".,._..~. ~ ,,,: _:=.:;: >'.::.c-.--'.~".::..:..,,,~:.-,,,-,>-~ ,,=,,"= -= =--'---""--= -:;, . ._"~.-""'-""""""'~-.'---:"",,._~~c,"" "."'C!,~,.,:L.,:._.==.-'"'=-=-=:=..:-~..L.O::O-.:..,=.
81-Month Payment History
,YearJan .FebMarAprMay :JunJulAUgSep OctNov .Dec ·
~==="'=.c_:o::::.:o..-=:.""_='N :,~...=;:"'";;;:=."'.=,,,..,,._--'::==i""'"c;:::=.~=4."-'=""'~=-=-...~'=='~--=---=';.="---=..;.~~;=~~~_.=,=nJ~~~-."""":
: 2008 . * * * . * , * 'I * : * : * : : : i .
:~=-_""",___,:."".;;:;:,-,, "'"''" ___".::.-= '7_~:'''':'-.'''_--'-.'-... ':"",,,-_,,. _ .."..._=)...-~""~,-:~'c..:.::-_~,,~ ~.~,-~.",,:.-::o.'O!.:: ,.~ ;=-""'=CO"".".;;:;:."-";,.~",,,~.",, .-~:-.=::":."-,..--",..__~,,,. ''"'''''=-;''::''-''-'- .._.=,_;"7.___-L. ,-,,-,,,,:::0.=. ""'='~=,,,,,,,',:<'=c_""":"-='''--;-'''..L,,,,,.-.,-,,--,.-.:.
: 2007 . * : * i * * : * : *
,'='~--=.,"""',,:,""".""'.:.c;;....,,="o=.""-"'-.- "'.,_"L' ,,"C;c, ~~'''''-''1:"'-'7'_=..'''-'''_:,:r---'-'_'.,-'-'-'_:'-~=,,-'--~..cc_.,."~,_--=:.k..,,~~..:..;;..-:;~.'''=='""""';"'Z-..-==c_-_""=,~,,:--""-"',....:.7..=-~=_j==--~.'='~-o"="'-~~-,"oL,-==-='"..--';'",""",,"~,=,:=";',,"==""";".r"':;"~=';
2006 * * . * : * . * ' .
';,,;.-=_.....c-.:.=._=_,::,,;.;=..o;::;....... .-,,-_==~,",_ ~.;___~__,~,.=".-.;..:=-_..-:'-.L-__.-L."=---=---'-"..;:-,,-;:;c.=-.=.:;.=---::=:.:--"."".-.,,'_,.__.,,=.==c~-'__,,:.="'''-'=---=>'''.."=''''-=-..''',''t..;o..-.~-'--'''''-=====-_~,==.._".-,..__.""""="""~=-==.;==,=~~."-""""'-..,,,.~-"'".,=:,-====o.,,-..."..=i
~__:::=:>"L:i===j~=_:y:-==- ~~j~-:~:. :i==f_" "::
.~~=,=~,~~:~c.,=..,="",..,~-._.,c.i"~,",,,'~"'-..:"..~-"~,.,:,,',.......",...~~:....c_ '''=,.''',.'-~.,-''...r''=''~'.=-"..~....,~._.,. c~.' ,.--,~....,"',. :.:~~". "..,.=c.:_..,~,.-_~'_'
'2002 '* .* i* \*.* ,* *
"2001-'. c 7- ~~,.- _~-~,C' .==-r~" --~,~- ,-.-- --= ~~~.==.~'--~~,"~_._-~=.~~--. - -'~=~~i=c~~-=':'=-~---
;.,'-"==---....,.~"'-'~"'''''".,.,,:,,_=r:..,.=~..=."'"'~~ .".. =."'-~;"'.=.=:.""..""=.,.......o,,_;:''',..<..;:.~,<r-'''"'-''''''..-....- _', ,,~~~"==-. -"",=".o.""~,,,,--=...,,"---=,- .,.-'l-.=-="-.,.~,~o=.,::::...:..;:.=,.;, "",..:<l.J"'..-_-""'~",:-c,,-:.:..'""':~-~;..-'-"'";,~~. "."",~...-~.J.,_,L.....-r::<=."'._'o..,-.""'~-""~,~""''-'"".=.:.-'"''
----------
-~--~---_..~-----~..,.._-.-._---~--~,..~.._~------
MACY'S/DSNB--~ 10/1982 $0 09/2008 $0'
_..__.._--~--_._-~._----_._----,------,--_._---_._--'------~--
PAYS AS
AGREED
$1,500
-~-~-------_.- .---.---.,,-.-
MACY'SIDSNB
9111 Duke Blvd
Mason,OH-450408999
(800) 243-6552
I Account Number:
PAYS AS
: AGREED
=-~~"",=,,""-,=;"':::'r-'<"~~- _~=-~-""==_~=::=c-==-=-=::,'''="...,.....-=---=~'''=<""...,..-~-=,'''''''"-.ru.u:t:::I=~...~
:Account Owner: 'Joint Account : High Credit: '$0 :
~E:~;;;"~=~~=~~~;;,,~~===:"~=--t~.T~C~~==J~~=::
[Term ~u!abo~:. __._. ~_ '. _ !Terms Frequency: i :
,'-,===.""""."....__,-_=..,o::."""'"~._..._._==-=._~.,..""'""'..:==,c.<2;.,.1:":"~--:=-~=.=~.~==.-_~~~.~-_=::::==-...-.:==~':;:C"~--."'=
. Date Opened:_ _ ___.___. __ .__,1982110- _ ' Balance: ; $0 !
r=:'"'~~-....;.-="'"-----_.._-.---'-."'_.._.=..~-~.~._""'==~=-==----==-""'.====~,-"''''.==c::..""'''..''''",.----'"".==-'".,..-===''===---=~..'''".".."''::.'..'"'--.,,.,.-<''''''-:-:r::='
; Date Reported: _ _ __~ 09/2008 l Amount Past Due: : $0 ,
r-,..-'=~_="',~""_=,-'"_"'='___I.~'="'-..,==--~~.:.>=-~-=""~="'=-"'-=--r.T.--,.,..==~-=:.===-""=,,===-~-=-~!
: Date of Last Payment: . 0212006 ! Actual Payment Amount: : $0 ,
f=~~=~~"'~==>;=====--=.-:.===.===>'=..=""""-'=~. - ~"-~="""'''''''~,'=--=---=~---, -=>.=..=',
. Scheduled Payment Amount: : $0 i Date of Last Activity: : 0212006 :,
~..==,=...='~==~= ,=,.,~=;=.="=.=.~=.="=~-~~.,==----=---=-'~~=~'-~=='
\ Date Major Delinquency First \ i Months Reviewed: i 99 1
,Reported: l i !
..".."...,.",,~.'==.,_""""""- ___.._=-....~,_ -=__ '~__--::-==~"""","=:,,~~;:l;O==""="o::Ii>"--""'=="""". ~".=::r=~..="=.=..-,..-:==.-,=....,=-~.'
,Creditor Classification:' ,Activity Description:, NIA :.
F--'~"""-~""=''''''''''=~='-'--'-~'-"'''"''''''''''''''''~'-'''-''''' -- "'....-'-'-""."'i..&--""=""=~~~"""-'.""".-""',""'~:~.,=~;""..,....,......=='"~~.,.,.~".......".."""..__"",,,...c,,,,,,,,=,.~..",,,-,,,.-",,=,,,,-,,j
: Charge Off Amount: ; $0 : Deferred Payment Start Date: i .
~=="'="=:"_ " ... _ _=~_. _ ~ ----""=___ "- ~--.zu:o...,.~
----icurrent Statu;---" -----
I
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Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 22 of 36
i Balloon Payment Amount: . $0
t-,~~.,,,..........,.,,,,--,,,.=,,-~=,~-,,<,-,,,~--,,,~.',,;;.-, ,.'-_--'-'-" _.",,,,_,,,,,,~..,_,.;<,,,,,,.;,.= -. '._-~.-,",':--~,,- ...'O'.f_...-:OC.,""
, Date Closed:
"cJ"~~!~,~~.~,~,~y~:~t ~~_t~:".
\ Type of Loan:
. .
. '
:...-=_="..:..~""=.,.--=.""=-::.;;",==_-=.-;;~.=~;o=="==---....-=----,,,.=_.---=="'--..a.~,---,,,-,.=,;;--- _.~ - ~-==""=
: Charge
. Account
~--==:
'. Date of First Delinquency: ,N/A .. - - - .-.--... - . - ..'
!,f._'..,:,m._-.m._..~.-.e.'..'.n.'.._t...s,"._~._.-..............~_-.......~--...=..-,..-.-.-,..~....-"_' =._'_=...~....-,n".....-.-.;.,........-.....-.-..-...,.....~................_.,_."._'.~.......~.-.-.._-.~.,=,==~==~.".~=.~==----_..=~.=~..~. --'-~~~i
~ ~ -~---.- ---, -~ - '. ,..-.' ,."'~.~~..==,~".....~=,===~.,.~..'"..~..'".....,.""....."=.~"=..~..,=.==,,...~,;
81-Month Payment History
,..------,-----'"i'-----,---,---' . , . ._--;--- '. ' . I
i Year ! Jan ,Feb : Mar Apr ,May OJun ! JulAug ! Sep ,Oct Nov ,Dec i
<="",_""==.,~=,=."=_:",.=."".~=o::=-~":':.-,:-:===-=:"=c=,-""",.=",",-,,..,,.=,=.=,,.,:.::;__-==-=-~-;;,;c====="!=~<:..,,,,,,,,...-=,,-==.=-~_-::--=-=.;;.--==,~=,.'..,.-:=:--==,,=-:,,,=r-~
'2008' '* ' i* '* i* * !* ! ' i . :
k _.,-, " "__..~,.d,=.,,,.",,,=,' "~ "'. ..="" ,0_ L.....=.,., '~, "". ,,,.d=. ,." "' ,., ". "O' ".,~.=,.".,. ,.', c' '0..." ,., == ".=".~"o~..;
! 2007 : * i * ,* 1* '* I * I . * ,* ,*
,~~:".- ~~-,--~ ~~=--~ ~~ ~-'---'~--~-'"~~=-'~ ~-~=~---~,'=~=-"~ ~~~~,~,~~,.~-=:...~-~~=:=~.,,'"-"~-
: 2006 ! * ! * i * : * i * : * ,* ,* ' * i * * ,* ·
\"""~_..==~.=.....=.,~=...._,-,-----.;o."":"=,-,,,=--"c=,_,,,""'~'T.1""'",,__-~0-'o,,,,"=;":,-""""",.;"",","-"-~:."h"""=~""'''''~''--'''i,.:"=":",,,,.,=,,,'''''~~=_=:Lf-=-'>-:.'===_'."~""'-.c=".:.m~--.r'-"=--"'-+~'~'="'''''~==''''''''''''''"'-'''''::~''.~'''''~-''=._~"
i 2005 ! * ' * . 1* ,:! * * , * . i * .! *- - .
!~304="=T:=~="--r:~:~~:~I:~ =,,=~'E:=~=[:~===;:==':=t,=J:~,=:~~T:""'=~,:-',:=,~,=::l~o=~:f::=:,::
. 2003 : *. * * '1 * ' * ' * ' * 1* ' * ' * : * : * .
:,=.~..o-.::~.",-,<:,=<~,_~=..~=.N.-~.'~.-' -'Co'>'_ -"".-'O.':":'~J=,'.-'.o-~."-" -"'",",'. .e~-,-.",",~'''':.1:'''",-=-';.'m~_'''''.''''=,,"'o, __ ","~":.....-,,,.';.i.,','t-".. .,-,~.~"",,,,-_="c_~.,,':..=,,~.=:'--::J;..;..,,-,,:'::"-""J:""''''''i'''~-'-''''' "''-.....----;-l''''.''',..<;O''-'''-.,~ "",...."'...-.jc,,"~.=->rT~ -'::"-'""""";~.",.-",,"..~,,,. .;.=c-"",;".',~.
'2002 * : * . * ,* * '* , * '* ! ,* : 1* ,
r~~~~'~~:~=~=~~=='==~2~'~:=,~J:===:,I~~".", _J~_-.~=--='[=~=~,~T~~r="-:"=;:~==~!
MACYS/FDSB ~
n lIT-
07/1985
$0
03/2002
$0
PAYS AS
AGREED
$100
--_._--------~-
F.A.CSIBURDINES
13141 34th St N
Clearwater, FL-337624259
~~"':~m':_~__<_-L~_-=~~~~~~rre"~lala~~___-J;~~L.
Account Owner: Shared, but otherwise ' High Credit: . $0
"".._~..".,","".,_..,~~"'~,_,",_","~" ","."=",.~d~:.~ign~~~~"=.=,,,.,,.=~.",==~.=_=".~,=-_.~.._..",."."-.....-.~."'~",. ' .."=.,..~="""".."...,...,,,.
,c!YP~...~o~~~~!.~;,,,..,,..-"....,,.""d~:~~.~~,~~..,,.......="...="..,.~...:~:~~,,:~~~.."'._""'......,"'...'"""''",.,,=,~2~~",,~. ",.~..,'"..=
,Term Duration:' : Terms Frequency: ' .
~,~===="""-=_"'''-''--=''_=''=':'=':'''''''''--'-'''''=-''''''-'="'~''"''''''''"===<:.=,:=-"-=.=-~=o:Z=:t==--=._~--=--'"'=~~'- -.....
Date Opened: : 1985/07 Balance: $0
==<,""""-"='.''''''.T,-"",,,..=",,,<:,"'=, =,--c-=--=;~,",='7.<.".,,,,,,",.,,,,",:'=.~"="""-'='-::-""""''''=-''~'''''''~:::'"''"--''.'~.~,=""-""""-,~,=,,-~,,=--,,",,,,,'=--:-"-:""'-' ,..=....,,,,,.-=,,,,...=~,:;.=.=,-=,,,",",,,,,.-,,~:.-",
,~~.te ~;PE2:~~.~=,= ==.=..,.=' O~!~~.~~"."..._=.~,,==..=.-,,~=.Amo~t.~a~~ DU'::m."="=''''''=!~='_~='=='"
Date of Last Pay~..en.t:. _.'__ _ ___.._.,. _ ,. . _ Actu~~aymentAmou.nt: _$0..... - .
~""",,,,,_~=,,=-,=...__=-~_._..._r-"'.---:"-'_.._--~-.----'--'~'-':_r.-.....=~,~.-=--=_=~~=,,""=,--==.,,===_._.._':'7"_--='-----'=~"'"
Scheduled Payment Amount: . $0 . ~ Date of Last Activity: 'NIA .
'--'.=="~'~_""""'_='_""""""'''~_~'''==-''''''---''''''==-'''''""'''--'="~'.'.''-'' -",.or,,- __"""'_"'r.'''--:''.~'''''''.'~."'''-""""=,"-"",,,,,=,,,,~~''o=1:'-=-~-,.,=,,,,,,-,----,,,,.,,-0c7-.""'.""'"'....-,-.C'-=,~>Tn''''".,'=."'''''''.,.''''.==--''-~..~''''='",
Date Major Delinquency First ! Months Reviewed: 30
, Reported:' I,
,~==-::'L-=o.-=-.;;:",.=".","-====- _-----=""'======-~..c__=='-~="'~==--_::_-=.=~===~''''.-==::.---=-~---.-.----'''---=-..-~~--,-==
Creditor Classification: ~'. : _ _ _. ____ __.__~Activity Description: __ _. ,N/A --~-
C=-='== --' =..--_.....=""==-~._~.--.~.~.-...=--_.-.-----=.~.~-- - ..' .. " --~... =~-~ -- . ~.~
\ Charge Off Amount: : $0 ,Deferred Payment Start Date: i :
~~~~~ot=~:~:::~=~::=~if:~~=':~=:=:=.'
,Date of First Delinquency: : N/A
:.co~~n~~~'..-=~~..==_=_'lg~;~~== ~-~,_=~.-~'====~."~~--~~~=-~-~-~=-.. .....- ~~=~.~~~=- .~~=-~-~~~'~:,
81-Month Payment History
Year :Jan ,Feb ',Mar ~ \May !Jun [Jul iAu9 :Sep,OctNov :Dec .
~.~"__i: --:~:=_~J~==.,~~CI~TJ~,~:}:-~__=,,"L~=.~=L=_- [--=.=J
\2001 \* !* ',* ;* i* ,* i* :* 1* ;* :* \-* - -,
I~=,~:=_=...==,-~.=~=~,J=~.=_~:~=._=,=,=..._...:~,".~.,:~",=='"'~.==.t=..,=~+~,=~=,.~..~\..=..~~:
\2000 :* !* !* j* !* ,* i* i* ,* i* ~* i* i
~T=~. ~ \~ . '~~C~=~_.=t=[:',:=~I=~=t=-I_='~l:-~.:j:,"~~"r-=~=j
~---------~"
11_______ __ ____.._~_ M":+n" ron....../ntf'/"'<>mPronTTnT)phl1 phtml?nroo cd=3BS&sub cd=... 1017/2008
I
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 23 of 36
SELECT COMFO ~.
RTIGEMB ~-
-
01/2007
$0
09/2008
$0
PAYS AS
AGREED
$3,500
____-.---------------w--------------
SELECT COMFORT/GEMS
PO BOX 981439
EL PASO, TX-79998-1439
(866) 396-8254
!ACCOu~Nu~ber: --~ I Current Status: :PAYSP;S---
I ! i : AGREED ..
s;~r;;;;i"-~=~2~~~==i~~~~=~=:Ji~I~:~=
,Term Duration: :Terms Frequency: : Monthly (due :
-..__c>_ __,__J,_".~ =_=...._"'''~__=c,.~,,=,,_.~_=,_=,,:=,,= =,=__~__ .,,=,_,_,.~~~,,~,,-, _j,:,vert~?~.~j
,Date Opened::2007101 !.salance: '$0
=.:==".-"'v....=~n::<===:_.""r'~""c~,-"=""""""''''r"'':'O'';~=,,,.=.-..-=-c="'''''''..-'''=~'''"',:",:..,'OO__-.,-=~""__=,_~ - ~,,=~~,"'''-:"''''''--=.=''''''"=='''''..''''.''''4-..-='~.-=.''-''"'''='''-''--='
i Date Reported: ; 09/2008 ! Amount Past Due: i $0 !
~~"""'==~~""'~="..-='-===---==-...~"""'=."...-"-'=='."--",""--o='-.,,,.== =- ~" _~__"=="-"""'""'~~"'I-~r-.=.-"'"-'-=~.-'-..
'i_[)~~~ofL~~,p~Y~liln-t;".--" __ .__;01/2908-,."-.-=~-.-~ J~ctu~!.::~ent ~~~~~t:=. J_~~=-".---.-_..-
:-SCh~dui~d paym-~ntA~o~-;;-t Tio-----. ---- -----. --: Date of Last Activity: .... "! 01/200-8 .
7)~t~ M;j~r Delinq~;;cyFjr~ti~==-=""" =" == ~-===F M~;th~ R~~i~;;t .' ~~~=12o~~--"'=~-"
Reported: : . :
lcred7t~-;.CI;~~ifi~ti~~~-=-~ '~~'r.."~=.~.".--'~'--'~."="-'-='~~'-='~1ActMtYo;S;;;;ti;~~'---.'=~".."... .1. N/A"=-=-=. ."=":
. Cha;g;OO~o~t~~~~.,=~-~!'$O-"-'-~--.~~., ~,,-,.,~.'"-~--'='~~: Def~rr~d p;y;;;tStart D;t;':'-'="-=' '''o_,~_-...~
F""""-,~--_.~.~,.,~~.~..'..".-f.."----.."...".,.,.~,.,..,-,,~..,"-==~..-"=_r_~--,.-~~=---~~-=,"~~"'-".~~~"~~;
,~I~~~,~~t~:,~!~T~~u~~,"'~..,~~~-=,.,."-"""'"~".,=,.". ,~,~ ""O~~~~~"~~~!E~~:~=,,'==,~,'oL~~."~,""=. .,~""'"
. Date Closed: ; Type of Loan: ' Charge"
" ,Account
,=,="==,=.=-,.~~.~"=,,--===.==~,,..='="="'='_.. -_..--.~--===-==".,~==''''==..,,===."-=
,Eate_~[,f~~!_J?,:~~~~~~,~f-. " .~,~-"...,"-...,''".,,-''-'''= ." ..-,=....--~.=,...=---."'-="'=''''=.-.==''= =,--"'~..,. .==-=....,,,=,,.=-'--'
! Comments:
~..=""",...-..-=_,="",.:-c.:-':ra..=.-:-~=~.===--'~~-=",=:::"-""'...:==:~.<===.,->-<-""-"o:~=:.<s:=>.~~.,""'-".~==,=~-=r~'""'=="'--===='~,.'"'''''''''''"=~.
81-Month Payment History
. -- . T-.---,------.--r------,---------;----.------.--.-'
:YearJan Feb ,Mar 'Apr ,May i.Jun :Jul ;AugSep,Oct ,NovDec !
",,"'=='" ,~-....."'~.._==~,=,,,..=~...~~-~.r"~ .,="'=~"..'"..===...='''''.=..=."==W~i~~.=='~~.=~==="'C'=~''='"'- =-.....
~_S:_~<~Z::j;='l~::i::--t""=E=i="i~~rf;-=""~-:~j
-------------,-_._---._---~---~---------_.-
-----,---------_._---"-_._----_.....-~_.----
WFNNBNlCTOR '..
lA'S SEC
0212005
$0
04/2006
$0
PAYS AS
AGREED
$500
----------
WFFNBNS
PO Box 182128
Columbus,OH-432182128
.,
'Account Number:
!PAYSAS
'AGREED
~~__ :.===--=..==_r.._."'::-.r-"'-,,~~=~~~==-=-======R==== - - -~
,Account Owner: ! Individual Account. ! High Credit: ! $67
\00= --""""-.:::rT ~....,..,~~,==~~ - -- ~="""\~---===~ -- . ~~-=~"=""-=="'~
! Type of Account [11 ' Revolving \ Credit Limit: . : $500 . - . - i
F.~-~.-~=~='~'~r~~~~-,...~~b-"..~"~='""..c===.""=~..,..~='~"'"~=~~~=-=="~-..".---.,",-l......=~~===~~.,"
:Term Duration:' :Terms Frequency: \ Monthly (due
, . ' ,every month) ,
r _ ~..~~~__--~,=~~.~---i
, Date Opened: : 2005102 ; Balance: : $0 .. !
~'_ ~ ~= _~ _ .-=--=-="~ i -.==i
i Date Reported: '04/2006 : Amount Past Due: ! $0 I
r-==--.-.~~-,.~~..=,..,....~'~--.=<".=..=."=., .----=,-=.=~='=~
~~ 04/20~===--=-=-~ctual Payment Amount: 1$66 _!
,Scheduled Payment Amount: l $0 : Date of Last Activity: \ 04/2006 i
~.=="'-=~-~,.,.,="..""'-=="'-""".---=""''''c''''''=-o='';'''-;...='''''''''-~,,"''"'.c:.''''''.,,'='--"'I_,=,="""~.,.~-==.~..:=,=__.....~~=,.~,:..'<2.;~...""."...,""..".".-..===""""...
i Date Major Delinquency First \ ,Months Reviewed: \ 14 .
: Current Status:
/I
____ _u.__...___ M":+~" ~M...I"t"lv;...n7pr\1"\TT1"\npt~11 p.html?nrod cd=3BS&sub cd=... 10/7/2008
I
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 24 of36
ir~;P~:.~..".. "".., ....~. ..... ...... ...........~.. ...........-....... .., .".~..~.". .N.~'_..... .~........... .-..... .... _..........
i Creditor Classification: .. Activity Description: : NI A
I'Ch;~9; 00 A~~~;t~.~"...~-..T$o.."..~.m=.~=~...~~~.=~f;rr;;p;y;-;~t St~rt~D;t~~T~ ..
:.~>...~==~.>_.=~...==.= =.=..-= =......-.~~,=,...>.=='=~=,... ~.='.. .~~.=._"=.~~..!.=....=.."=.=~.=~.===~,,._..=.==...,==..~..=..,.~. =.=',
Balloon Payment Amount: ,,$0 ; Balloon Payment Date: i i
l~~~..=.....===.==.....~.=...................,.c==...==...==.=..~.._...."... ............,-_..._"..=-_..~"...."._...~... ...=............,~~.................=.,,_.
: Date Closed: I i Type of Loan: i Charge .
; .... ". . ....... .....' ....., ...... ... .' ...... I '.' __. . ~ .... .Account ____
r D~t~.~fF~-;t=D;ii~q;;~-;;~....r.TN/A=~.~=~~-'".,~~~...~'-'~,~ ~~~="'~=~,_._~~.,.~~__~~=_.b==='---~"'
\"'''''.......-_'"'''''''.............r-''',-.-'''''' ..,'__-..~:;o~;o-=".."=~l-".'=-_..c_.-.,...,_.,,--".,....,.""_-_':.-..."""..,."..., '-=-'t..~=_-:-."",.,,,,_':'"=.''-'~"'"~'='''' """'_~_''''"'''''.'''''''-'.''-''_='_=-'-'-;C'='''''''''=~'A''"",'''''''=="'''-.-''''.'''''","""=,_",~_,..,,,,,,,,,-~,,,c,,,,,.,,,"=,,".,,,,_~,,,,,,,,,,'~".,,",,,';'--:"'="""-"'~"'='=~''''':'''",
l,Col1'1~~:~!~: ",.,,"=~, ..~=~._..,.."".=-,. .,=,......==.=~,=",=~,=~.<=~ '''"=~..~...."="",,...~~=~='= ="~,.=. =,~,.~,...===-=
81-Month Payment History
------_.._----------------~---;----------:-~-~---_.,...-_._-~-----~.---_.-..-
:Year iJan ',Feb ,Mar AprMay \Jun iJul iAug iSep .OctiNov .Dec ·
F=.-===<"...,..~'......,=... .:.."..,........=...~..'i...-.=~"..'....'"'i....=....."-'...,..-..=.......,.~.<..=,......_=,=.==.'r===~'='r=-"1====.....~~==~~I--'=.~",
2006 , * , * ; * : : . i I, ! ! i i
b.=:=..."..,.="_-=~.="'.-"..._"_~,.;=<:..__:c."'.'_.!-""',...,'--''''"'c,,......-..~''":';;c:._.:.,~'"'"_r".,-"--'7:,_.'..:.......==="<<..=)f=.~X<=. "'-':';"-"'==} ,=..~....c.__....~..,,,..;~""".=J:",c.'-,:..;"'''~! --"".r.,:;---."'-.~~:;"__;::"...o:c:._:="""_,;._,<<_===~,~"'=''',.,,''''''""-';;-....,,~..."=~-- "--'-''''=n::''':"","_~'''-''='''~
2005. : * . '.. : * ,* . ; i" ,*:* ;.. :
h.:===.,~="""";::.=-..!~.= =--=""d=="'--=>:=:~_'__.:.:L""="'~=,;;..._=:~="'"_~-,::..,;.="''''~==r..=o.:.-='''"~_=:=_~==.''"___:':'____.!---. "'''''=~=-. ===-='
.-._~_._-----_.-
----------------------~----
Closed Accounts
Account Name
Account
Number
Date
Opened
05/2002
Balance Date
Reported
Past Account
Due Status
Credit
Limit
---,--------------_.._----_.~._~------_._~---------_.-------------_._-~----
BAERS FURNIT
URE/GEMB
~
$0
0912008
$0
PAYS AS
AGREED
$3,000
BAERS FURNITURE/GEMS
PO BOX 981439
EL PASO, TX-79998-1439
(866) 396-8254
'Account Number:
~ ,.currentStatus: .~~i~~.
~~~=~~=.~c=~~~~=~===?~:-~~:=
:Term Duration:: :Terms Frequency: ',Monthly (due '
coc..=,.."."~...~_O'...c, cc,....~,..."...~.",....,=., .,.",......==,..,,=,,~.,",.=,..~.,~..=..~...,..=.~....,,~~..,-'~~-,_'''''~=,~~~.....~~..-~"''<"..=....~=",..~ve.~ m()~~l=..=
Date Opened: .. 2002/05 ., Balance: '$0'
~.. ._===~"'=,.".~c-:::;.-.~.4C,,:.:''''.;''=-'~''"~.--:.:..--<''':,-''''~'',..,..::;.",~",....,..-=,,",== """,~,,:::--,,:,~""~.:.I-T .-,"'-..::..,',.;;.;.--,....,..."~=-="";p>::=-""""'--=',=,.,,. ,,;;;:;,-:..-===.:.:
Date Repo~~~~__u.-__ __,.' 09~2008 _,,__ . __ ___ _ Amount Pa~tDue: _ __ ___~~O -- --
)=-="'=,.~~~~~___.,"--_-'-...__,...:.....,.____.~=_~"""'-'~..---~=."""."...~......~_.,___.:..._-_.=~-=.......~-==--=....-'-='-'~-'--;-.="'=""..."."..==~..-"'~--.-.---'.'
Ba~e-~<~~~t~~~r~~~!:..-",...".E~E~~~'"~...,".-~,- ......-~,,_"j~~~ay~~-~0~~~u-n.!.... -' ,,~$~~_.-~... -.~.:
iSch;duledPayme~tAn1~~nt:$O - .' --. .. ---- :OateofLastActivity:- .d_ d-'M/2005 - .....d
~,..,,,~--~,..""""'-=t.="'_""'-...=.=-<===..,,~.'i"--".,.-=~~-.,"=.~=-=--=:-.~-',..,~--=.=_=,~",.==..~......",........".-==.""..=>c:"'-7.=~n='-=<:..'O':=-~7~===>-='.
. Date Major Delinquency First . ' Months Reviewed: .76
~~ i.
i".._"""""'""""""="'''''''''''..,'"'','"=..-":~~'''.''::..,-:c'''''''~'''''''.-''"''''"-:..-...,.-",'': "_.""c"m."~.=,.....,'-'_;:;t""",."":"<._,,c=.._.,.,,.""""=".~~.___,.~-""'=,_=...~.""""'__==_~""""'''':<>c'''=,:,'',........=>~'''-'=,.-..'''''h,..-'''''''..=='='"''="==~.'C',~__.=.oC",..,,,,-.,.,
Creditor Classification: ;Activity Description: Paid and .
. . 1 Closed i
;=="'"''''=''''..,.,.' ==.l'..,r=;:~=--;-:._,J"_-~.-.~~~._...<."'".,=.~,._-_"'._~'="__:...._"'_''''.;;.."-~-""-_,~=-_'.""_~-o.'-""'''''.''''='"''''''~=_..""''c;.=__==~_==...__=__==='''"~-=-~-'''~~...:;:,...-==;
. Charge oo.~mount . _.__ "J$O_ _-- .'_ _ .. Deferred Payment Start Date:_ i . '
I"""'-=~...=>'"----===..="".='J.-.-."..-=....,.~=."""..'-'.."="'..;~'-""':T._c_==-""''"="'"'''''-.=~,~=~~=-=--'......:\o.,--='"-"....rr:----..=,-=-=."-'''''''=,:.."'..,=,,,.
~~loo~~~1~;~t ~~~"-!:..,"=i~~o,==,="'~,,==~=j B~lloo_n ~r~~!,~~"~"=,,j~~=,=~~~o=~,
. Date Closed: "06/2008 ! Type of Loan: : Charge
, Account
,:..=".,-=-==='_=.==--==.~..=-:::='"'-ct,~,=~,..".,.,d=-.:=----=.-=-==ro--...,c-,.,......."7'"-==~='..=~-===..,.==='-"=----==.;-.=""'=----.,,=:o~-:.-:::r=-J==""'"'"~'""T.T-=~.;:====!
l?ate.of-Firs~l?elin9.~~ncy:-~ ..' ....N/~. . "_.. ."
lc~;i~t;~~"..~:=',,~::. ~.:~~~'~:~~~Lirrt d~;~db~~~~~~~=~~:'.~""="--"=~==:~:'~=~~"~--~'o="'-:'" J
81-Month Payment History
\1 I 1 ! ! -: ii' I \ I '
:Year :JanFeb ,Mar 'AprMay .Jun ;JulAug ;Sep 10ct .NovDec i
.,.:".""""_"""cc= ='"'~.~;'=="'""'"'''''=~''' '"""=-=...r.>"",~...,'I""',::..,~."'"_..r<.."..=~t::"'_"::.=':_"="""""""'=""""!""'~..",,,,-=n.~~~."""""=:"~==""""F'r...'."::,,:["";:::;-=,-:.=.~>::r."-=~=-,='=-~=-""":>:;-~i
;2008* ;* ;*..** '*.. .' i . Ii
i~'='-+==~:=~ =;-~~=.I~.=t-~~-,~~,,~.=~r-=.~r~'~~;i~-~'=~~~=;~="='...l
1,~____1I_______ M~_~"_~~ ~~n;f'n~ ,..n....../ntf'/~11"'mP,...nTTnnptl'l;1 phtrnl?nroil C'.il='iRS&sub cd=... 1017/2008
I
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 25 of 36
!~~?~~_<"'~.___~__ ' * ~ **, "i* ,;* ,,:* , "', '
~L:~~=1===t=3E:I=T:t:E==r=::F?E-:E::
'2004 ,* i * '* '* i * ,* ' : *' '* ; * * * !
'_~'"'~1____~~.;~~"=->~_...L~~.._._._J_-~=~-~--:~-~=-"-+=',,~^W~-,~._-,=.,_:~-~,,.=_.~._-=,,-.-t~--~~~-t---._,,,,,,->,,j
:2003 ;* ;* i* :* !* i* [* [* ,* \* :* i* I
I. . ___~-=-=_~-===}==..,,=~~~~-:::.~~="'=-~;=--==-=="I-='==--~="i'<<====~
: 2002 i I : i i * i * i * I, * i * ! * i * i * i
~-=-...,-=---=-.._,~..==~r.:".,_,~j..:"",.,,",,~~..;::.-;:.:==.=:'~=,,""""'"""'-~="'<""..u:="""..u,L'".,.==!"'.....~-=-~,='=,=-..-""=-"'~~=--...""....=..=-~.",..~~=-~..-",::--"~==-.=:~,~."",,_..-.J
CAPITAL ONE
BANK USA
.,
10/1996
$0
08/2007
$0
CHARGE-OFF $0
CAPITAL ONE
PO Box 30281
Salt Lake City, UT-841300281
!Ac:~nt ~U~b~,~~_=_==_,=_= : _, ~=~==~Lcu~:~ St~u~~=~ ' CHARGE-OFF
Account Owner: ,.,.. ... .,.'. llndividualAccount. .,HighCredit ,'" .' ;$0" "'. ..'
[~;f A~~,~~~~~~~~"=~~~"__I~~,~~~~_=~,,...~=~~,,.~~~_.1~;~~~~~~~ '==..~_.,==~~,~~J$O~ ~~=~~~~~~j
,Term Duration: ITerms Frequency: ,Monthly (due .
: : every month)
:"~=,-=-.c:-""'==-':==-..:.:l''''''---=''==''7_...=",,=o::.7-'-c:"===~'=''==''''''''==-~-'''=~=C::--=----=-~~""=''--===.".-=~~~=
Ipa!=,?pe~~~~~~,,"_."=..J=!~~,.~._~==~~.=~~nce: ___~_,~_~_~_,_~,_,=__-='
. Date Reported: .08/2007 'Amount Past Due:, $0 '
P;!~_ ;t~tp'~y;;;;;t~~~==~=I05~~ '--:=":=~1Ac;al payme~~~=-: $O-='=====~-=
:.Sche~ul.e~_ pay~e~!,~~u~!:""J.!?~ "=~.,,"~~~=_=.~ ===~_Da~~=L~~~!~Ttt===~_N/~ :"=..:=._:~'_.,,,u
'Date Major Delinquency First ',10/2006 : Months Reviewed: [99
~!.e.~.~.:2.~=_,,__.~_=~,=.~ .=.---,.,. ",==:,=,,=.===-=~=- ,- -..=.==.=".j",,=~==.~~==~=~=._=;~~,-,=--:=-===.<==,
: Creditor Classification:' i Activity Description: 'Paid and
Closed !
I",=:~."",,,.,.<,,,,=--,--,,;=.::".""':"=-="'.'='=='" I_""'C_,=,=",.=_",-~,-""""-,,=,".,,,:u.-<r=~""'''''''-.='''''~'''-''''"'''':"""""<=<-,,,,,<=,"-:::~,,,=,"-,__,,,,,,,,,_,,,=,=:::,,,.,,,,=,;;;>=,,.'.,==(.J=-===".'.""~.,."=.:;:,=",,,,,.;:r~=..;r',_
,Charge, Off Amount: ;E~O _=~=~~=~,..,.J~~e~ay~ent S~ Dat~l ~__~~_==~
,Balloon Payment Amount: , $0 'Balloon Payment Date:. !
~=."'''''''''''''''''''''''.='''-'''',",-""=,'''.''''''''''''''''''''''''~='==~'''''''''''1===''='-'-'''''''''"'-'--~=>'-'''='--=-'''''-''-''''-''=--~"""'T~-""""~="""'"" - ~-"""=~=~=.
pat:=~1,9~~;,,=..,,= '=~=r~,~,=~~~~=_~_==_,,===..~~.J!rP.:=c:f Lo~,::_=~_,.=..~~~:g~d!..~:.r~="_rm,
Eate ofF~~!~~~~qu~n_~L=03/2006 ~~~~~~~~~=-=,.~~~~=~
, Comments: : Settlement accepted on this account,
"~~~~"=~"=_,,_,".c_~..'.'.'r~".~"~_=.,==='~'~"-: ~~!.rge~=~~!,~ . _,,===o=~~,=.", ~~,"."'~r._~<_..~_,,,.,,~,,~,=="=''''='='"='''-==_' ".,
81-Month Payment History
,Year ,Jan FebMar 'Apr ,May !Jun iJul lAugSep ',Oct ,Nov :Dec .
~-~,==-~ ,~~<l~~;:- i*' -~~:~r'~~:~~='
2007 ICO ,COCO CO ,CO, I : I I ; ! '
r""="'~~'~~"i"'-"'=-""""'-'~I~':"--:'=""'."'=:t:r,-:!O""-.=~-=;..~~tI"~"F7;"'""""-""""",-",,~,':=r="""j-",-,...~-.-_n!=~..:r.:,~'~"\"""'''",=~'''''"''---:;'''"'-~""="''''j''''--=tt""'--='''''-'"''"'1'.. -- _.~~"'=;:
\2006_/ " .*. .,* :3060. ,90 ;120 1150 :180 ,CO ,COCO i
~~05==~:,:::=::J::<::~~-J:~::=f~~~~C~ ",_:~="~..:f~==1:~~~~=[:===_=[::::~=.i-~c.~~=:~J:==J
12004 ;* !* '.. '* [* j* i* :. i* :* :* !* '
-' , ' : . ; . , ; i ! ; ,
"""'..,...,."">;=-"_..-.,.=.,........-""",,,...,.....-"'._..~=.,~_..:.'.=,,=_'=;-='_'.="->""-=_".~."'"o>.._.~__""'~='"""'=""""".c.-.::o~=-===":L'3O;;-'=..,...=-'--=""'""="'~=-='~~.::-.=-nc--=--l::...;;="""""".~,;--=""',.;
i 2003 ' * ! * * i * 1* : * ; * I * ! * * - -, * - , * - - ,
~.=:_._"...I\==,..-"'''''''~=~'''''-~4,~c=-'~._~L.._z,='='''-=>>=I,'''."=.~=....=(-=b:=...,=-"'"-=~---=-""'"""~,::<..=.~_,l....~_--=-=!=-,.==-~
2002 * i * i * : * ! * i * : * : * ; * : * ! * i * !
~."'_='.:.,<="-"""'-"";.,::.:.,=:'-'~c.....,,____~==~..~~=c.':c;::=".._=""===:-=~.,_...::=--,.,="'-""t-"",,","--r,,".o:.-.,.._'m.':',=""~===.' ,,;- .~-- - =~~~===:'"~==-',.~.~-==.- ~:
: 2001 _ / * : * * : * ,* , i * 1* i * 1* ,
,==~=="'"= _~~_l~=::>::;o,.=-"">=-""="'-'''o.;,='''-'---"",=-'''''''''''==.I'''''..~...,.,,'::~;.o<<!::.:''='''=i-''''=-'''''===""tt....i'=="""'"..=~-===--==:~"'""'''.;:.''7..~=--=f=....r='-......''''-''=.
:2000 i i i i i i ,* j* ;
- ~..
CAPITAL ONE
BANK USA
1211999
$0
06/2004
$0
PAYS AS
AGREED
$0
CAPITAL ONE
PO Box 30281
1" _ ,,_______ _____________. ____~.L'___ ___I_.._I_.~_n.n__TT_n~+~:l ~t-........10~~,,":! ,..":!='2UC~T,,"h f'rl=
I
1 (\/7 /'J(\(\51.
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 26 of 36
Salt Lake City, UT -841300281
~cco~nt Numb~~--- ~x , n-~Current St~t~~__' " ,!~~~~~ , ..
rAi~~;;t~~~~~_~_~::c-~~'"'-l,;di~A;~;~"~t~~~._-~~-c,Hi9h -C~~dit~=~~C"-"'c- -'~-~~-==r$344 _.~".-~"~,
r~;;:f~;;~~:~: '-""'-':.~=~~e~g==_~.~~=~~--="~j~c7~~~~~~~~~~~~-~=~~=~~~J-.~~=~.=-~==
Term Duration: 'Terms Frequency: : Monthly (due
I : every month)
~=.""""~""""".,.~...._=.-...l".",,",,,,,,,,..-~.,,,,.",...,~,~.,___...~ ....,:'_-,""'.L~.'_:::_".,'....=~_..""-.....>.-".-.. ......>>=........",...."~_-,."""''''".~.;.._-..._".~''w>.<,"'''r......-'''"..........'~..~'-=-.''''..._--'-.",",,,,,".__'O_,_,_,.~..=_,.~.~,,,,..-,,,,,,,..:.:.~~,..,~,....,.,,_,..,,,'"l''-'''~....~.._-,..-,-,,~-~.~.
: Date Opened:. 1999/12 . :Salance: __ _ __ _ n_ i $0 .-- --
I"_"_'"'=_"'__~'~_'~'-"'_-' ,,_,=~ . __'n~=___"'_.'-~""_'='_~_-_~~~"-' -"-~'-"-'''''''''=-'--'=--- - =.
! Date Reported: 06/2004 IAmount Past Due: 1$0 :
i-~=,~"~~=-~.==-,,,_.__._-~_'_.r'_'_._--'"==~'=='--~'''=-~ ,_.._~,_~,='!.-=,==~~~=-=~=-==;F=-===='
.- Date of Last Payment: 05/2004 'Actual Payment Amount ,$0 ,
b ., _, . _. _=~==-.;c,.,-~=,,","""""'-:=~~"'--""""=-'",,7".4""-:'''''''-''-=''''-'--'~--'''''''"''--='''-'.L~='"=-""'''''''''.''''''''-''=='''''''''''''T"""""__,~",=.--"=-:"=="~"""-=""",.~,,,,,....=,,,,,'~",''';~r;'
i Scheduled Payment Amount. $0 " : Date of Last Activity:, . : 05/2004 . ..
i[)ate Major o;fu;qu~~~~===o~~===~'~;; Re~e-;;j~=~'~~~-":54 ==~-~~'''i
[Reported: . . ".' .., .... .,.' .. ! ,.....' ,i .,. .". ' ..
,~",=~="_."..-."..."".","-",__.=.,...."..._",._"",,..,",.,,=_"<r..~._._......-"'o~_=".-:r-"-,."".".~..,~.,.,."'.-"...."....'".-"""-'""""'"-.='_"r..'"';..=~''''''''-=-7'"",<.==~'''_~~''''='''''''.'_'''~.~''''"'''''''''''':"",,''''''.'''-.;=-__''~='=''-",-=",,,,,,,'-,"=-''''''"
. Creditor Classification: . Activity Description: : Paid and
: ; Closed
~_ - - _~--",--==_...- ~ __ _'~=,~~ I
; Charge Off Amount $0 ; Deferred Payment Start Date: ; :
i"""--==-=--=--~""-"-"",.==,",~"",.:..~."...""",-:c,,-=.~<=-..,-,,,,,-,~.t"""="'.,.-=-....=.=-:::--,,~=""""""".~,..._=~",,,,=,,,.~.~,~,',",:-,"-=..,..::r='-''''''''''''''''''':=>=<'=-''=---'=='=,~'----==:-"--='''''''''r='''-""''''-L.~",;.,:r=--==-",=,,=,,-'"-"':
,!3alloon ~axm~nt Amoun~: _ J ~O___ _ u .- B_all~onP~yment~a.te: - ,. : . .n . ---
i-"-'"-'-''~---''''' ,,-.." ..-_,,,,,,--,... ___..,...-=+'"'"'''-'-':,''""........~~"---- ,,;__~_.--'._.-'--".,-."_,........,,'.;;_.-...~~~ ~- _-'..:...._.'_.1..__'.._'_ .'..." .;.., -"'_C'.^_'_ ...~_ "~' '......~ .........=-".."-,..._'-'-'~'; :....~.;."c"."_-",.._J-'-..="--..:.,'. ...-'_:."._,.,..'----"-.-:..r" .."-"""L"'__._~..;~..:::...=_."..""._'_
~-=~;;"~;;.;r:~~~=:c_c<===-=~:~-==C~==J
'~~mm~~,~~____ ___"".__==._=,~=="~':-~co~n~~~~r-cre3.it-~:~':'to~~~~c~..~~__~"__~__=c,,.o__~.,_=.__,==~_,=~.__"~~~
81-Month Payment History
__._._.~.~._~.,.._.~_..___.___.~_~.~_'__~____.._~__._.~___,.._._~~~P.__~___~_.____---..-..---m-.--~-
-------_.._._-~..~_._----,----------'---_.
CITGO/CITIBA
NKSD
- I
11/2000
$0
01/2007
$0
PAYS AS
AGREED
$250
CITGO/CITIBANK SD
PO BOX 6497
CITIBANK CREDIT BUREAU DISPUTE
SIOUX FALLS, 50-57117-6497
__ Account Number: Current Status: PAYS AS
!=-==____ __,,__~,=_~=~,~=~,,~~~,=,..-=-~~=~~==--...,--.-'cc.--'-=.=,==~=__'AG~~=~D n_____.'=.-,
:~~~::nt__~~~:!:.--.~,~~~.".~.,..=,~:!thorized ~se~=__~=-=~~~~~",m=---,~,--~~~~O __~__~,J
l!l~. ?!~~~u~!.,~.:.,.=,.__=__.__,__=,___".~=~~~::~=="--=c=--~--=.._="___=}:~=di~ :~~:,~==__._,___~_=,==~~~:~__,~,_=. ---~=~
[Term Duration: -- iTerms Frequency: 'Monthly (due
,__"__~_=,"='._~~"'""_~__-_'-__'-"__"C~"'__"='=~~__=~~~----->_"=~,==~~"___,_~=.~~~,="__"'==_~_,="".="==~""~:~.:!y_~!!,,~.~-,.-=
Date Opened: '2000/11 ' Balance: --; $0 '
;=,:,..".._=_~-==~ .-=<-=. "",-""=--,~=-..;.-"=,.=_~:,~,.-~:-..",...,.-:=:..:.._.:=..-==,-==".-.,,,,,====-c-_'"''''''''''-'''''''=<===''_==={-_'''7..c:=;.=.c::..;',==_''-==1:='---'':.",'''=,".:=-=.a=-':,'c"'",,._=-=.,=._-:..::'=.=,....=,==_=;o.:.....,.~""~
i Date Reported: .01/2007 Amount Past Due: '$0 I
.-,--o="-=--.--,==,..--O':::::=:-.-:;::=-::--"",=-,-,o,-,-":>,-"o."""'~'";:':""",,,,:,,,,,=-.:.::,,,.::r.>-:=..,,=,.,.i!'"",=,=~';:r::,=.-:;r-....;:.--...:-=;',=.2=~"''':-=-=-'''-==~~-'''='=="''''''-'=.''';'~''::'''''"1""=,,,,,:1,0,",-=._=-__=="""
. Date of Last Payment: : 11/2003 : Actual Payment Amount ' $0 :
""~~~~"<~"~,,~"'<""'>~-.-~",~~'''''~-~-='''-~-~~~'~-'~=~''"~~-~~~==~~~~--~~~
lSchedul:5!!aymen~~~~".t:_$~__._.-. _ _~_d_' · Date of La~t ~ctivi!X:..._. _ _ ! 11/2003 "" .
. Da~ Maj~~-D~Ii.~dF-i~t~ ,,"'~-. ~ ~-=-- --='--~-~'tM~~th~ R~~-;;;d~ __n~ -~-"-'-':63~~~'~
Reported: "
~ h._ -, ==;.:,;-
: Creditor Classification:" ! Activity Description: i Paid and :
i___~~"- __ '"__-_~~""~J==o.~===-~~~~~~~~=-=.~j~~ed -~
: Charge Off Amount : $0 : Deferred Payment Start Date: i I
:---..-~~"~=^.~=...._",-,....::.-"_.,-,-..-=.=,,-.,>=~,::.,,,.-:=:;;.,==--====':;"=='-"~""~-.....,.....---~...,-' .... . _.~~"='....,,.-.-:.=.......""=""==.=.:.--""-=.,
Balloon Payment Amount . $0 : Balloon Payment Date:; i
i,__,,_=._=~'~>O~~__'_"____'~~_I~'~"='-=='N"~-~'~~=''''''-~==..--=~",_,,~.~~=...J-~"=~'
Date Closed: : 11/2006 " - ; Type of Loan: ". - . -. . - . . : Credit C~~d -- i
~~..L...;,,,_=~~~~...:=.-=-=~====~.--=,,,"~--~=':--,,,,,"-==.''-'3I.=b::--~==~'''''':='"1
1-~~_ / /_____"W~ ................_........,_....._ ............,:+-."ro..., ,..,,~ Ir~+_/~r;o.......rD,....._T T__I\.o+t::I~l Ahtn"tl l'J-nrnrl "r1=1.Jl~.A7-cllh r-r1=
1 O!7 /?OO~
.
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 27 of 36
Date of First
N/A
81-Month Payment History
, , i T I ' --,--'--, " Ii' , --,
~~r_=~,_"_~~=i~_~b '"~~.!.!"'~-'I'~R~"_==J;~~L__,::~n __""~ i Ju~~=+sep =~_9cto,_:,~~__,~~o~
i 2006 [* 1* !. . :. 1 * : * * '* : * ,. :. -
t20~cJ::-~:t:::~t:::t::j:. :j~=~t=:t::j::=-E~J:::-l:::.:j
\2004 :. '* '. :. ]. :. :. i. !. :. i* i* i
: \ \ ' ! ; , I I \ i ! !
~'~"=-O'~"o.".",.....",:;o...="~....~_==,....:_,.",-+-="--~-",,.-..:=.;x,",,,,-~-,===~'=='~"'i""=:::,_.=="=;.'"~'-''''''>r'=.....,===..-...:",......".-=:c......=''''''~''''''"-c....-,,..-''''~'''''"",-..,.--=,...!.-.",=,=""",,_,-~.=:=e.=""<O"'_"""-~"=~==;'-1
! 2003 i * * : * 1* ; * * ',. ; * i * : * : * i * :
i2~~~==~~:_--~~~~~:-~~~~~-~=J";~=~"~!::=----=~~':tl==~]:=~I:,~ ,- --I .~=~:~C'~E ~~- ~--,~=
12001 '* ;. i* :* i. ',* :* '* !. .* ;*
l2oF:~~C~==-:-!::t=::'~:: r-=~:=.-:r=-(~:-:'::~:
10/1997
$0
09/2008
$0
PAYS AS
AGREED
$1,000
GEMB/CHEVRON"'-
PLCC iIIIIIIf -
GE MONEY BANKlCHEVRON
PO Box 981400
EIPaso,TX-799981400
(800) 243-8766
-A~~~~~t'N~~b~~~----"------~--" Current Stat;;";-----------.--:PAyS AS ---'.,
: _,,_ ,=.'_'-' =~O"=_,,_ __c=~,~_~=~~,~"'= '"=__~C"=".,~--~~-'"'"~=-C"=~ !,"=======,"~",",==_=~==~",~~R~~D ,~,===,
,Account Owner: Authorized User ' High Credit: ' $0 '
~"",=,"...:::;~--.:==.".=,-",."-=="-=---==_~~--===="",-"-==t"--",,,,,"--==-==--===,==-====---.,,.,-,,=--..~"'''=--:=-..a=====.,..-..:-=r-=="
i!ype o~l!.~L~~~~~~C~~_"C'"~C~~VOI~~ "'~=~=d,.o~,=".=;:~:~-it-_L~~~"c,=~..,""'~,="~'--'~."'_!~~~O ."",'='"="~
iTerm Duration: ',Terms Frequency: ' 'Monthly (due
~"""_=~="="--"=.. "_==_.".,"==.",~,,,,,=.<=,,,-.,~,,,",'-'=-~=-='-~C'====-"=~"~~=~=~,,,,,=,="~====,,,",~=,,,,c=.;:very _~"~~~l=,_,.-
~,Da!:.~,p::~:~,:"",,",=,=.=,=. ,__=,_,,,!-~~!!_!~~""'""'--""=~~_c,.,--~,,=.=~-""-;~~a:;,=,~_,~,=<,~,===>=====,:~~",=,-"=",,,,,
:;~~:t~t';;~~=::===-~:~":=J;~;~;;t=:~ ::=-::.:~:~
,~chedule=~~~~"~!l.!.~f!1ount:_!~="=,=,==","=,,,=-,~,=c="="=~ of ~st ~jty:==,=,="~,.c:"!:':I!~====~~~"~
" Date Major Delinquency First :' Months Reviewed: ' 5
; ~;!~:~;~I~;-sifi~t~~="'~"'===<-===""~=~~~~'- "~"==="=~Activi~-D;;~riPti~~~'~="""='=~cpaid~;;-d==~C=
'o,=''''~~==''=-'"'=~='''''~~~-"~,'~==="~==''~''='~''~~-''~',~,=""===_=,,==~=,=~~,=_~==j.910~~==~,,.~,~,='
,Charge Off Amount . $0 _ . Deferred Payment Start Date: :,
",~~,.:._.,.-o,,,==,",,~=,,,,,.-,,,,,,,,,,,,";.=~',;I.="'=-~'-==-~'=;>'.''''"''''':.'t.='"'-'~'==".,--,-_=,=-="=_="..--=---="=.=~=--=_~--===",-",,,,,.;.,,~-=-=-c=-'=~."'="-=----=".'
,Balloon Payment Amount: : $0 : Balloon Payment Date: .' .;- -' - u . -,
~...........~~-=~""~-=:T_'~ ~-- - -===.:===--.==,,--.=
. Date Closed: .03/2008 ,Type of Loan: . Charge
iAccount
,
"""""~.<====~~=-"=.=""",,,,=_~=..=====o-,===c=,.,,,,-,-,,,,,",,,.,=~,,,,=-""_c:.'.=""".=.=~=-''''=.-_-,=,,~=-:::--''-='''''-~--=~...;=.......'''=~.=-~'''"-=,---...:.==''''''=--.....,
, Date of First Delinquency:, N/A
",;:__-;","-:;_.',,,,~.,,;.',..-=.;...-=tr.~~.=,,,,,,,,,,=-=-.;.;:-_~-.;:-.=-,;~==,,,'-;-:..-::r-:--''''''.,,,-,,__=:r,"~.-=--=,r"'-_.'--=""""'_=---""=-"='''''"'''''''.==.===='-'-'''~-~-''-=",-,,,,:;:<;,,,",,---=-=-~=~=-,.",-~=--~~,,:::,,~,:~,;
_ Comments: .
=tr_ ",-"","","-==_~ ~- ~ -- ::~,.==,=--==~~--==,==-==~==:",,.,.-.-=~.,===--;",,",,,,.,..=,,,,,",,=.=,,,,,=--,,",,,,,,,~...,.,.~--,=,..,,,,,,,,,-=-,,.-=-,,,,-,,==::;~",,,.-,,,,,,:=.==..,,-,,=".=~::=.-..;:;:==~=,,,,,=,,,,,==.,,!
81-Month Payment History
-
, No 81-Month Payment Data available for display. '
,-=",="c, -=-=-;::..=="'"="""" -- ...u.=-m=;"==>'='"'=='-':='=""'"'==-=."-=--=-'"~."''-':''=-''="'''-=='''''''~~
SHELUCITIBA
NKSD
08/2001
$0
05/2007
$0
CHARGE-OFF $55
SHELLlCITIBANK SD
PO BOX 6497
CITIBANK CREDIT BUREAU DISPUTE
t..~_.!/.._.~., M~~~n.....o" onn;f'",v .."m/i'\tl'lvlf>wPonTTnDet}llLehtml?nrod cd=3BS&sub cd=... 10/7/2008
I
.
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity ... Page 28 of36
SIOUX FALLS, 80-57117-6497
l~c~~nt ~~~b~~~.~'~~~=.==,~Jl~~.,.,~~~~,=~rent S~atu~.:":,.",",,.~,~~,"~.JE~~~~.:OF~~i
iAccount Owner: .. . '.' . . . .. !Authorized User.. . .. . ...... : High Credit: .. ...... ..... .. ." . 1$0 .... . ..:
~;pe '~~~~;~~;~',--.~~'" .~~='~~~~~i:~=.~,=~""='~ _~,--]~~;,d~~:i;;it==~ '_~==,~~"_"~~~5-'-~~=~c'=~]
iTerm Duration:: :Terms Frequency: ,Monthly (due ,
! i : I every month) .
;.....-"".,-.u=,....~....'~"""'.-;a..'= """_.._~,_..;.,;"_-"""""~,=""".,,.-",..;:! ''''="."".,:slI-,.'''''._.=--'''''=-_=,=-=.,......"'''=---=''''~~~,..=".".~~.-.-..~~--'U~'~~~~,,....'~:.i
, Date Opened: . .. . . '2001/08 .. .. i Balance: ...... .' : $0 ..:
~""",~"""'::.cIC.~.u;..c.-.",""",-,="","-,,"""-<-""':' ~_ _: _~, .~> ." .._.=..._--r:..'''''"'''"~"'"'''''-i==a..~'=...=.:-''''''''''==''"''',''''''"'" _,...=.",~r_~ .""""'''''''l~'''"''=.-O,.-,.''...-'''''-..~'=".~'
iDate Reported: . '05/2007 iAmount Past Due: 1$0 i
L~te ~I~~~~~~:::~~~=~~~~i!:~~,~::~:==,-"':=.,~=J.A~~~,' paym~~~~~~.!:__."~,j:$22~~=,~,'~J
: Scheduled Payment Amount: '$0 I Date of Last Activity: I N/A I
b,~J.;r. _ _._ .~""'=>.=~=.:!<;:.-:;:''''.::'''~~.,===-===.-="'''-==-"., - ...._~ ~~..~.-="".-=,."'c.=~~..==~~-=.~::.,.-,_..==~~
I Date Major Delinquency First : 04/2007 : Months Reviewed: .67
. Reported: . : !:
=-."""""""~=.,="'""_c.n=_'"'".,-=,":l",c==.;..""~"''''.'>=''-''=_...::=---...~==.-::;='.::''''=.,==""""......=o==~,==""""""-='"-"""""='"I':::._=--,,--:m-~-..=~===~-,.....::-===.--.:;III:>n.,
: Creditor Classification:' !Activity Description: : Paid and
: I iClosed.
f='-- ,_,=="=~~_<_ -~,-~~ .. : ,=C~-~_ .. c,...,,=.,~"=~~ __'c=.=~___"~.~"=_..==.."'=,,,,J-,<o=,,~=,..==,='".=
:~~!g:=~!-~o~~~,,~~C~~"==~c~Z~~~~.="====~~rred ~l~nt S~~ D~:j=~~=~==~=__',
: Balloon Payment Amount: . $0 : Balloon Payment Date: . - i - -
~'""'__....,;:.,"-"'=="'.'O1:=-...::..,.-'~=.~""".'"""". "'''''.;.,_~"..''".~,~.''''=--'"'',,''~"''--'-=_. .--''''.'"'''~'''''.z.>:;;_=_......'-'''..,.='..=:=---~.=''''=.===-"'''''''''.--=--=--=.--===..::::,=~=.=;"=~,_.=_==",.:.:oo.,";>.""
I Date Closed: i I Type of Loan: ,Credit Card '
p--- -~ - - ---- -=='';''='~'" ~ . <."- -. " ..--- -~._--~--"..~=.
i Date _?f F~~~:!!.n_q~:.~~~,".~2 0/2006 .
: Comments: .. .'" . , Paid charg~ ;ff, .... ,,~<-~~_"=_,c_~~~_c~_~,~~~_~~__~_.__~.._~.'"~~
.=~'"=~~==~=="~"~,,~~.,....,,~."=!;.!l.~o~n_t::!~_s:~,~cr~~~ gr~l1~?.':,...=.,"~~~=,~..,====~...."~~~"'~=".,'=~,
81-Month Payment History
.Year '.Jan 'F-;i;-. 'Ma~-- .Apr~;y-rj~!J;:;I-'AlI9' .'Sep 'Oct 'Nov Dec
!~~~~~~i~:~~::~~E-,~~E~~=1=~~~~j;=~
: 2005 . . " " , " , · : . . . . " _. ,,~_;" ~.~===",i":.", ,=,."=~:==",,,,=,~='
i,200.~ -. '~:=:~:==:,.=~__:}:=~_~.~~. :~_~~_ ",: =~~J~,:-:~-:- _!.::,~~!,:~'~==:j:~~==":~==L:~,,==oo,=J..~_='
, 2003 " " . " : " ' " ' . : " : " '. . " I"
< , ' I I ' ! ! ; I '
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! 2002 . " , " .. " " ; " I" i" '. " : " : " ; " . .
i~~~=,~~~=~~,"~-~~--__,'~:.~=~:~~.:~.=~~~i~:===~-'i-= ..-=j~==L:=~.~,=~~:~-='~~~:=::~J:..._-~~=J-:~==~--~=
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Other Accounts
These are all accounts that do not fall into the other categories and can include 30-day accounts such
as American Express.
You have no accounts classified as "Other" on file
QBack to To.Q
Payment History Key
Meaning
Pays or Paid as *
Agreed:
30-59 Days Past
Due:
Symbol
Meaning Symbol
180+ Days Past Due: 180
30
Collection Account: CA
60-89 Days Past
1_.L.L.___./L______ ___~__..~_____ __.....:.c........... .........._J.....+....../......:.............n__TT_n.....-+r..:l ....k+...-l'")_....,..,.~ .........1="2DC!RTC"......... rarl=
I
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Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 29 of 36
Due: 60
90-119 Days Past 90
Due:
120.149 Days 120
Past Due:
150-179 Days
Past Due:
Inquiries
Foreclosure: F
Voluntary Surrender: VS
Repossession: R
150
Charge Off: CO
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.
_._--,_._-----~-------_._._-----------------------'_.__._-_._<..-._----~
Name of Company
Bank of America
Date of Inquiry
08/30108
Creditor Contact Information
Sank of America
4161 Piedmont Pkwy
NC4-105-03-28
Greensboro, NC 274108110
_.______-.. ,.._m.__.__._.______...,_-'-__......_._....__...----'_________._..._._
---------- .---"-"....--._,.-~ .~.... -~-:-:-..----._---_.-_._-_._.--:--._-----_.- ---.------.---------
._~---------_._-_._--~_._-_._._-------_.~-----~-
08130/08
CHASE AUTOMOTIVE
Creditor Contact Information
CHASE AUTOMOTIVE
4915 Independence Pkwy
Tampa, FL 336347540
____.__~_""'_..__..__..._____'_.~.-----_.~--.._--..--..._.._.__,__,,_._.___..___~_.___._.________._.___>O.___.___~~..~-~-_..--_.--
-----~------_._--_.-.-----------_.-------~----_._-_..-----,~_._------_._._-----_.._-~-_._..._--_._----~--
CREDCO 08130108
AUTOMOT1VE::8781797611
Creditor Contact Information
CREDCO AUTOMOTIVE
12395 First American Way
Poway, CA 920646897
(800) 637-2422
-~.~.--,~-----_._--,------,-----~"-----.~.--------~.
--_."_.~-,------~-------------_._---~--_..._--------------_..-~_.---.-
DEVOE CADILLAC
02123/08
Creditor Contact Information
DEVOE CADILLAC
4100 Tamiami Trl N
Naples, FL 341033197
FORD MOTOR CREDIT
03/09/07,01/31/07
Creditor Contact Information
.....-. . _1 .... 'In
1 """tT"\ C'1 n._ ___1- _..J_
1 f\ 1"7 I., f\f\ 0
Equifax Personal Solntions: Credit Reports, Credit Scores, Protection Against Identity ,.. Page 30 of 36
FORD MOTOR CREDIT
3620 QUEEN PALM DR
BR 10: CM
TAMPA, FL 33619-1311
(800) 416-9461
.._-~-----------------~---------_._----~-
01/06/07
-,---.-._-----~_._-----
----,_.,~,-_._--
GEMB
--_._~~_.._,_._---_.._.------
Creditor Contact Information
GEMB
PO Box 276
Dayton, OH 454010276
--.---------------...------
~--_.y-------------
--------------------------------------------------------------------------
INFO 1 ADVANCED CREDIT 12/06107
TECH::8781797611
Creditor Contact Information
INFO 1 ADVANCED CREDIT TECH
800 NW Loop 410 # S-250
San Antonio, TX 782165619
-----_.-----~--
-------_._------~------~--~-_..-
--_._~---"------------_._---_.---._--------_._-~--------
REGIONS BANK
02/23/08
Creditor Contact Information
REGIONS BANK
2200 LUCIEN WAY
SUITE 410
MAITLAND, FL 32751
(205) 560-9999
SUNTRUST SANKS OF
FLORIDA,INC
08/30/08, 10/16/07
Creditor Contact Information
SUNTRUST BANKS OF FLORIDA,INC
200 S Orange Ave
Orlando, FL 328013410
~_______--_.--,.---"-----,----.------.-~-_.-~--_-_-~A_----~.,__.__.___-..4--
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.
Company Information Date of Inquiry
PRM-21ST CENTURY INSURANCE 08/20/08,07/29/08
COMPANY
PRM-AT&T WIRELESS 12/28/07
AR-BAERS FURNITURElGEMB 04/18/08
PRM-CAPITAL ONE AUTO FINANCE 03/14/08
PRM-CAPIT AL ONE
PRM-CHASE MANHATTAN
PRM-CITIFINANCIAL
06/14/08,02/08/08,01/11/08, 12/14107
12113/07
____~_'._--A.-'-..~-
08/27/08,07/02108,06/04/08,04109/08,01130108,12/05/07
___ _ _ ______.____ __..:+'~u M_f~..~f,,;"'nrD^...TT...npt~11 phtml?nron c.n=TRS&sub cd=... 10/7/2008
I
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity ,.. Page 31 of 36
AR-CITI SD- PRIVATE LABEL
RETAIL
ND-Equifax Consumer Services
-------------
ND-Equifax Consumer Services
ND-Equifax Consumer Services
ND-Equifax Consumer Services
AR_EXXONMOBIUCITIBANK SD
PRM-F1RST OHIO BANC &
LENDING, INC
08/29/08
10/07/08
10/07/08
10/07108
10/07/08
08/29/08
08/31/08,10/17/07
-~------
_.__._.._~._,,_.._-_._-_.__._._.__.--o.~---~--_._-~.-_.-~._-_.~--_.-.._~--,._._'---'---- -----.-.---.--,----....-~.~--.-.-
PRM ONL-GEMB/lENS CRAFTERS 12/17/07
PRM-HOME FINANCIAL NETWORK 12/11107
INC
PRM-MDA CAPITAL, INC. 12107/07
PRM-NA TIONAL AUTO WARRANTY 06/25/08
SRVCS
PRM-NA TIONS LENDING 09/09/08
CORPORATION
PRM-HOUSEHOLD SANK
PRM-OXFORD LENDING GROUP,
LLC
AR-SELECT COMFORT/GEMS
ND-VERIZON WIRELESS-FLA
03/12/08,02/13/08,01/14/08,12/12107
..-----.----'-
12/07107
---.---------.---.P--.---.
Prefix
PRM
-~..---------<.,,_.-_.._...----~ - ,~..._----.._.__._~-
AM or AR
EMPL
Equifax or EFX
___-~.~..----w.--_.-..--..-~--.-----
ND
----_._--_.._-~~-------_._-"
NDMR
-----------~-
PR
Negative Accounts
09/21/08
01/04/08
Prefix Description
Inquiries with this prefIX indicate that only your name and address were
given to a credit grantor so they can provide you a firm offer of credit or
insurance.
(PRM inquiries remain for twelve months.)
___w_---.---~-------,-----.-.--_.~----.--.----,-.--.-c-
Inquiries with these prefixes indicate a periodic review of your credit history
by one of your creditors.
(AM and AR inquiries remain for twelve months.)
Inquiries with this prefIX indicate an employment inquiry. (EMPL inquiries
remain for 24 months)
Inquiries with these prefixes indicate Equifax's activity in response to your
contact with us for a copy of your credit file or a research request.
Inquiries with this prefix are general inquiries that do not display to credit
grantors.
(ND inquiries remain for twelve months.)
Inquiries with this prefIX indicate the reissue of a mortgage credit report
containing information from your Equifax credit file to another company in
connection with a mortgage loan.
(ND MR inquiries remain for 24 months.)
Inquiries with this prefIX indicate that a creditor reviewed your account as
part of a portfolio they are purchasing.
(PR inquiries remain for 12 months.)
OBack to Top
Accounts that contain a negative account status. Accounts not paid as agreed generally remain on
_ __.'''"u. ____f_.._f_.:_n.n~_TT_n<>+...;l Ahi-ml')n~,.vl {'rl=?R~~<:l1h r.c1=
I
1 0/7 /200R
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity ... Page 32 of 36
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.
Open Accounts
Account
Name
Account
Number
Date
Opened
06/2002
Balance Date
Reported
Past
Due
Account
Status
PAYS AS
AGREED
Credit
Limit
BAILY
BANKS&
BICBSD
~
$0
09/2005
$0
$3.300
BAILY BANKS & BIDDLE/HSB
110 Lake Dr/Att S Walker
Pencader Corp Center
Newark, NJ-07104
:Account Number: ---~ I Current Status: :~~~~~~
;,'A~-;;~~{O;~;~~~~:~_~~_~"!I~di~idual'P;;;;~'~t~ .-._---~ ',High-Cr~,dit ==' '_'~~~=~J$2. 727 __ _ _,.::'
-;~~~:;-;ccou~~llr ..=- ~--. Revowin9'''==~-='=--: Cr~ditiJ;;t~-- =.---,- ~-~ ~T$3;300--'- -'---i
~~_--"~""""",,-,,,'=,=-_~-==:.I:"~= .a:l:;;: --. -. ~',--. - ~>,.-,,,.-,,,==,=-~~'
iTerm Duration:' iTerms Frequency: Monthly (due
. I ':every month) :
~~~=~:~~:::~::x_=:,~2100 ==:~~===rS;~~~~==~==,.:~J$(t~':~,".'=:J
,Eate R:~~;~~'~_'_"~'"_M.,._,=__~.,.09j2~~.~=_==.~.~~.~_,",,~~~~~-~~"--~-""'" ,$~=.=-=~..~,~-_..,._.
, Date of Last Payment: 06/2005 i Actual Payment Amount: $0
I.~=~""",.=~_~____"".=---=:=o_-=<=__"'=""'._~="=_"'~~-~'--"-'-=~-='__~--=_......,~~=C==""-~._- .--~-'-~=--=- -..-.,~-~";
S~eduled Pay~~nt Amo~~t: ..: $0 -- .,_. - , Date of Last Activity~-----, 06/2005-'--' - -
Date Maio~--D~linq'~'~~~"Fi~t'T=~'=~"'~~"<'~~~~'=""=~'~='!Mont~~;~ed~'o"~=--"'=-"'!39"=' .,."
! Reported: i': ·
'C~;ditor cl;;ifi~?~~=~~=~r~"=="=~"' =~'_'= =~==~Acti~ity' D;~~ripti~~: ..='~'-_- !N;A"=~~~"o''''='~J
.,_=~=====~...;..,......c__"__'_"''''"'''___"_"':'''''''='''''~---==~=-''-__ __._=._.~==~._~""""""""==.~=,,,,,,,..=~-=-:::=--=,",---:c-=_
,Charge Off Amount: i $0 · Deferred Payment Start Date: i
p=<:--- ==-===-~"""='-=~~ .' _ .. ".=~ ~--,--"=--=-","~.==="L=,="=,=.==,,,,,
: Balloon Payment Amount: , $0 'Balloon Payment Date:; .
:.=~-=n:.::.:u=,.==-"7-===.=",-.=,=,.""=--"""",,.:,,:::.,:::,,::..~'=r--==-"'''.'=,"-==.===-""_,<.:==c",=~..,~~".o=,-,,::::,,,,,,,"'~,,".=:f><-,._,-'=-.=u.:'=-""'~'''''''...----=.=,;--.:.;::, ",,=,~=='
: Date Closed: '. Type of Loan: : Charge .
i : Account
_=.~~_.,."-,, ~.,""c'_h~"."",,,,....:.,...=,,,,,,.....::=-l.,,,~;;r.,,,.-.-,,.--,,._==::>"_-::- ~""~., "",-~'''~C''.=''''-__~_='~T'~=-~..=_.",=..,=...-.""",.-,-",,=.,,,,;
=.,=__,~-=,,..,,.,""'.: ''''''.'':,C_..=1''''~''''''""''''C.t"::=",1O"_';-;:'~''''
. Date of First Delinquency: . NIA
~"""".":==-';.......<o,,,,,,',:::,,-,,,,=":'=='.='=-=---:-:::=-~=.~~".'==-':"""''''T=".-~=o,:",;~..____=__::-.=---","._=z~=,,,,,,~,,,,.,=~,,=,'=""''--='.=...,==,.o,w=---::-"'''r.:,_'''_':,,"''''''''".!:"==~''=''>=--='''"'-=='''''''':'';=:;" .0="--=..-"
; Comments: .
bo",=,-""",~"",-","""-=",c,==.'""=""_",,,,,,,,cc-.=c''-'-__-:=~''co,=''''"_--~'':_,-,;"-''''_~.,.,.~= .o..:'O,"~"O"c'"~-=<_'="':'":"-_="""'''''~_''__.' ....~._._,=-=.=.==';,..= ,."..-=.~=_~~=~_~.,.._-=:::..=~~m='''''''~',,"=.?;.-'''=''
81-Month Payment History
Year iJan F~bMar 'Apr ,May :Jun iJul :Aug iSep JOct !Nov :Dec 'i
:=1:=-4=.-..-.".,...=..~.=....,..""".. "'''''i''=~''''D'O<-''':'''''!," """';,:l._"~~.:.~._=-.~'".,--:t'J.~''''''C..=--o..=,..=r."="'''''-:~''"=::;,:.-=:i:::r:==.=.''''''''''',2>,..""-"=='==--=~==r.....ur-;",==.""'=..=-"'.=','=:; ===..-",~,-=:
: 2005 I '* : '* *! * i * i'* l'* ! ~ I i
~=.~---=-="'=.-='.-==~'""".=..,.=~~==.~ ~~ ,I l I I 1
;2004* * * ~* !* .o=~=::.~~,-;===;;=~~-==::===~::--~~=
!! :: i lit 1 I,. I .
~?~~~:~;:.~~~,'~=i:~==:=~*~==~.~.~}:-..:,."=~F':=~~~~=l:=~'~'I: .-~~~~==~~=i *" ~.i:.::~=~:~C=~=~==:::]
: 2002. ! . I , i * * ,* '30 * 1* ,* '
("'_,.=~.~--='=:.=""'"'"'.:..,,=,.,.......~_"==........-='==.:~~~,-.:;,l'o;-=--=~,,=,""',=i~~..J::-="...~~""''''-~,--zr--=''~
Closed Accounts
Account
Name
Account
Number
Date
Opened
10/1996
Balance Date
Reported
Past
Due
Account
Status
Credit
Limit
CAPITAL ONE ......
BANK USA ~
$0
08/2007
$0
CHARGE-OFF $0
CAPITAL ONE
1. ~"'n __
11_______ ______._~_ _~n~+'n~ ~~~/,,+,,/u;"'uTDnnTTnnpt!:l11 pntml?nrnrl c.rl=TRS&suh cd=...
10/7/2008
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 33 of36
PO Box 30281
Salt Lake City, UT-841300281
~i;~~~.~~l!-Tber::.~~=~'~~~~~:~ '1- "~~ent ~tus:------:~~HARGE-OFF-'
I Account Owner: : Individual Account ;High Credit: : $0 i
I"~'u"~"=,,,,=,,",<, .,-:~ .~ =,,~u,~...=~,~ ~'-,=' '"-''~''''''~"'='==:'._'"'':'''~-~:''''''-"'''-'''''''~''-''' ~'--""'~i'=~~-' '====':
ITxpeoff\~oy~tJrJ . ._, _:~~~I~lng._,_" ,,"",' _ iC~edltLlmlt: n_ _, ,. , i~O_,___ __'
r~'""--"'-'~ "-'-"--"'=""" ,", "",'-"~"_.'-' ","---"-'-""-~-'~' ~,. '-",-,~.,,~ '." ,=,,"'~,~,.,- "=,---",,.'-"~=-'---"""''',
:Term Duration:' iTerms Frequency: iMonthly (due
! I i :every month)
b_.,.~,.=",,=, =,~,.",. -~_~"~~,,~,~~,=.,_====,==.,~=.,,..~=.~~=~.~ .=~"'~=.._.= .~~.
i Date Opened: : 1996/10 "Balance: :$0:
l>-~=.==-u=,',=--,""","___""=c,;",---"",,,,,,,,,,",,""_~=',,,""-"'~"'''''~~'',,==,,,,,,,,,=,<=-,,,-=,,,,,,,,,~,i'~OO=..".,',......""'-==O:''''"==-'""'''==<'''''>=.~~~_...,,,,,,--==,
!Date Reported: ,08/2007 :AmountPastDue: [$0 .
~="~=~=~:O=J,.;..:.o-..::=""~"'-:oo""'=~-.=-==""o=..;.,,-...-,~-=-.,..,=.""~Ju-r==",,,,===--'''''~=,.."..r.::.u=..;:.;Zo=~====~"",=,=""",~",..-==,,,=
: D~te _of Last P~Yrnen!: ',' ' 05/20~7 _._., __ _ __.__ I Actual Payment Amount: ; $0 ._ .. ___
I'"=""."~'''~~''"='-~~'-~='>-' ~=='~"'"'~-='=-"-"'-=-~~-'~=~~,-- '='-'~~-'-"
!, Scheduled Payment Amount: $0 I Date of Last Activity: ,N/A :
.=~~"'.",=,=.""'..__'._":_"___'" ""."__"-~\'''''''_....'...,.._~.~.="",-,..--.:-,.=-_..._.._~-- :1=:-,,,,-..=.t.-"-=OI,..,,_J-...~.:;:;zs;:=r.:~'.-<==o=-...,~~,-,,,.",.r,,,,,,,,"..~. '"'.--'''=-'=--="",=.==-'=='.","~
: Date Majo~ D~~'~q~~~-~ Fi~t-" 1 0/2006-- -.-..--- . - . -~ Months R'~viewed'~' --i 99 -- - -'-
~:porte~="~=c_="==",'=""="~~~~,_,~c,_, .J.. !
: Creditor Classification: ,Activity Descripti~~==i P;id;~d==='
i"=-~~~'""-"'-~~"- .="~"."_=""",,,..~=.,...,.,.=,.,~..=_";"_=."._,~,.._.".=~,=",~"~..J CI~,~.:..d..=._,,_~.._.,
l~h_ar~:_CZ!f~,~_nt:_ .==. _._~~? _ __._=~_~, ,._.,___" ~~rred _~y~ent s.~_rt Da~_!~= _= ~=
lB~iioo;p~ym-;;nt~~~~t:~--$o"" _u..... '" ~- .' --"". Balloon Payment Date:' . 'I . . . - :
~~!~~!O~~=:,,:~=:==~::=-~~_~,=:~~=~~-=-:~=~'''~-:===,~._ .'T~e o~~~~~~:"_~~B=~-=~~ditE~~_.~:=
,Date of First Delinquency: . 03/2006 .
I Com;e~~=~="='='.""=~-s~tt;~~~ta~cepted o~this ~~d~-;;~t.-='~~=~'~-=~~=="
~"'~, .,..,. ...=" _= .,.. .",. "'~' ..,..~.~a!~::~_~~~=a:~~'~!"'''F_'~'''C'''"='~
81-Month Payment History
~._--_.__._--~-_._~--_.,.__._-_._--_.__.._--~---- .--.----
I Year ,Jan Feb ,MarApr May ;JunJulAugSepOct 'Nov Dee
~7=:~_:.5?i:~=~~,~:.~:::~~~=:::~2~"=lfcI..===~,:Io~~~~~I..==~"c~i=.'"....~="~~1=,..==~:: "~~,""~L~~__='
!~~'"C..-_"=,:.c,~~,,..,.'c:,~...o~,,~;,:,..,~"..",.~~-,=,., ~~==_=~~? _ _.J2.2~~"~~!.~~~~~~~9...==E~_,x=L~,~.===.,E<;?~=~.~
. 2005 * I * . * ' "" ~ '* : "" '* ; . i'* i * ,
~=--=.=~~"='">.:_",==",.-.:l>.;=",.~_~---:o--=.~~=...."..=, _I -""",~.=---",I=~-.:=1=+=:_,""====;,.=:;..-==.-_===-j-,-"'....-:.==",k==c..-,,,,,=c-->:;=,,,,,,,:
2004 * : "" . * . * : * ! "" ; "" ! '* ! * 1'* : * . '* i
~"""""--="~",_,-"",""","",,,cc,,,~"",..._...,,.;.,,,,," .- .....,.,,..,.,-,.,,.<--';.-'''':' ;....'-'--......"-=v="~."-'O.,,."'.-,."".. ".~".~,.".=.:".,.....= ,..-==---=-;..:""",=-""=".',-""t';-"'''''~...,.,_.~\?"",,,. r '''''~'OL._"'''.'''o-"-'''''",''':';'_''''- '.'~""-"=;"'--=I"':'~~"-=.""";"'-"'""'="'..c,.~;'_._.,~"""",,"='=''''''-''''='l
~~~~=~'~~~"'-"'=."""'~~"="'~~=""'-'~'~~-_""''';''=,,~,~=~~~,~~_,~,,~,='~'~,..=~i-=~L=~,=-,=-=.J
J 2002 * '* '* * '* : '* : '* : '* "" : * : '* i ""
..."'''''''-=''"''''''=''='''''''-=-_-=-=_== _-=--- - ~m ~_ -"--,,"--"_':::_-""_ =-~-=:.=~ ==;0- ""'''=-l''''''~= I~~= ::~ --=-_~+ r- -="'=;::.2:..--==='+-:'-'~::'-~_-__'_"",,-+-:::-l r_",~.. ~ =-
:~~'~J~=~'~*=~'~~i':-~~'"~':~~'-'<':"="=c,::="C~-~=~l:cc= ,J=-- ~=" '+:~"C"=~'=~'-<'T*- '""<i;=<=,=;"="~'~'
SHELUCITIBA ___
NKSD
08/2001
$0
05/2007
$0
CHARGE-OFF $55
SHELLlCITIBANK SD
PO BOX 6497
emBANK CREDIT BUREAU DISPUTE
SIOUX FALLS, SD-57117-6497
',Account Number: .-.. '~ !Current Status: iCHARGE-OFF i
'.'l..~-=-~'_-'~.",=",-<.r",_~.,,,,,,,,,,",_,.,,",",'"_',.-OC'~"'""-<=O"-='."'----;"''"''''1,,=-~,~..- =--=_".'"",.=-"'.=:t.,"""'-'r....,.==-""",'r...,..,-"~"""',~~.=........~""'''_.-=-......~"'''.....,','...,''''=~-''''''","",,',~~'' "".
; ,A.ccou~t Owner: _. ._.___,'Authorized User : High Credit: . - : $0 . - -
F' '""==,-=,="+"'..~._= _._-'.'~-- '.-:"=="-". ~ "'=--=='.=, -="--=='.='''~=====-~.
! Type of Account m ; Revolving I Credit Limit: : $55 i
-_,_ ~~===__~'"==_~.=~==_ '.. l~~",
',Term Duration:: I Terms Frequency: -!Monthly (due -.-
. " ! I every month) .
"....,=-,-=,._~"'=,=.,'=r;;.""_==O"...=.~.,.=,~=-""=..~-==--._"'-~.7.- '~"'=~~==-==-=-=""',,"=.:r.-.-=..!.- ==~="
: Date Opened: : 2001/08 : Balance: f $0 i
1... ' I ,
,Date Reported: . l05/2007 ~ (Amount Past Due: ! $0' i
~O~~"~'__~~~~_-~__""~"_"'-"~_"_'~'~_ <..,~.~.~_"~~_.~,.1C"_d~___.=__~==~.~_~~~,~!_._,,.."=_._.,,,,,...,,.....J
· Date of Last Payme~~____~5/200~_ ;Actual Payment Amount: : $27 '
L++-~.II..~.~H ~~M"""~'>1" <3r1l1;f'"v (,{,\1T'I/nt,,/vlp';\TPnnT Tnl)p.t~ilp.html?nTOd cd=3BS&sub cd=... 10/7/2008
I
.
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 34 of 36
. Sch:dul~~~aYITI~nt AlllolJnt:.~O ..' ...n.... . : Date of Last Activity: ."",.,~.:'~~~~.. ._.,.
(D;t;-M~j~rD;li~'~i~~~~y -Fi'r~t:'64/2007--' - """"rM~nth;~R~~;~~d~'--'" i 67 ""',
'-~p~~~~i....~.==~=-.~,", ..-,.!,,-,-, .,.-,--,.,",.,'-,=~.-_,,,.~,~,~~~~-~'''-_''-,.~==
'-Creditor Classifi~tion: - ,. .-.- ,- -.,--------- -- , -:Adivity D~scription: ,. - ---"; Paid ~nd
i I I ,Closed.
r~"""="":,.""""""'~':"","'~'O:>'I:"""~"""'=-=.""''''''"-.'''r.:,,,,,,.=,,,-'''_...,,,=,,.,,=;="",,..,,,,,,.-":..=,,~!<=",,:~;,..,.=,,,-=.~,=,,,......,=..'''~.:or'',-,'-"o""'-~l.:;:----"-,,,,~=~,,,==.=-.=-<==-=.,.--=:>o=,,,,-.-..~,,,,~..::r;=,,.,,,,,,,..-=,=-,,-=='-"'"..=-"".."'.:
,Charge Off Amount: ,$27 i Deferred Payment Start Date: i
r-~<3<>:-~~"""'="=""""-'===>='''''''''..7==;"~=<C';'",-''.",=.,",,=-",",~,,~-=-,,:,,,===--"'=""'.""'=>=r~-"'---."''''"''''''-~~-''=--'-'''''=-~"'''f<''.'"''-''=' '_;=-,,""r'-_::'''''''''''''~''"I'T-,"=..,.~
BaJloo~PaymentAm~un~ .$0. ____ _ __' _ ,__ ;!3a!lo..on Payment Date: _....J", __,'
@it;.91~~ed='~='~:=",="J==,~~~,:=~__=::.~=~_:=I!~e.7i~~~~~~.~,~.,~~=~:~"~=:_,"~~:~~~c:=,,,,~.i
l Date of First Delinquency: 110./2006
iComments: '-'~i'Paid;;;;g~~~~~~-' '~-~~~~~~
.",~,"",=.",o=.="=~=.,,,-, ~=.~.",c".~o.,j~~;>.~..n.!~~se2 ~y ..~~~it, ~r~nto~~"c".,~~m~,=~~=w..,=__=~==__~,~~~._~~.,,~.J
81-Month Payment History
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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.
PROFESSIONAL ADJUSTMENT
Agency Address: Corp Of SW Fllnc.
14410 Metropolis Ave
Fort Myers, FL 339124341
(888) 686-0525
Date Reported: 10./2008
Date Assigned: 12/2007
Creditor Classification:
Medical/Health Care
Creditor Name: NAPLES DIAGNOSTIC IMAGING CT
Account Number: 80XXXX
Account Owner:
Individual Account.
Original Amount Owned:
Date of 1 st Delinquency:
Balance Date:
$1,207
0.7/200.7
10/2008
Balance Owned:
$1,207
NIA
10/2008
Last Payment Date:
Status Date:
Status:
D - Unpaid
httn"./lmurm Pt'nn<::mnpl" pnllif~1( r,om/otdviewPonITnDetai1.ehtml?Drod cd=3BS&sub cd=... 10/7/2008
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity... Page 35 of 36
Comments:
Medical
QBack to Tog
Public 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
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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.
Name: Charles R. Baisley
Social Security Number: XXX-XX-0796
Age or Date of Birth: November 21,1945
Formerly known as: Russell E. Baisley
Address Information
Current/Previous
Street City
20097 ESTERO
SARACENO DR
State
Current
FL
Zip
33928
Date Reported
0212005
Former Address 1
2725 70TH ST
SW
NAPLES
FL
34105
09/1998
Former Address 2
27111 BONITA
MATHESON AVE SPRINGS
APT 202
FL
34135
0212007
Other Identification
You have no other identification on file.
Employment History
Last Reported Employment:
OWNER; FLA TRANS SPECIALISTS;
Previous Employment(s):
PRESIDENBT; FLORIDA TRAN SPEC;
PRESIDENT; FLORIDA TRANSPORTATION SP;
Alert(s)
You have no Alerts on file.
Consumer Statement
You have no Consumer Statement on file.
QBack 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.
For any of these investigation methods, you will need your Confirmation Number: 8781797611
You may initiate a dispute online for the following information:
Online
"httn,,'//mnmr p('cm"llmpr Plll1ifm( ~()m/()tclviewPonTJnDetai1.ehtml?Dfod cd=3BS&sub cd=... 10/7/2008
Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity ... Page 36 of36
. Credit Accounts
· Former address information may only be deleted as requested
. Collection Accounts
. Judgments
. Liens
. Bankruptcies
Go to http://www.myequifax.equifax.com/disputeto begin an online investigation of information
found in your file.
By Mail
If you would like to dispute or change your name or date of birth, you will need to send a copy of
your Driver's License reflecting this change. If you would like to dispute or change your Current
Address, you will need to send a copy of your Driver's License or a utility bill reflecting this change.
If you would like to dispute your Social Security Number, you will need to send a copy of your Social
Security card or a W-2 form.
Different states have different Disclosure requirements when delivering credit information. Please
also see Federal Disclosure requirements.
By Phone
Call our Dispute Phone Number: 866-423-1566 to speak to one of our Customer Service
Representatives.
DBack to TOQ
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1 (\17 /')(\(\Q
COLLIER COUNTY GOVERNMENT
CRIMINAL mSTORY / BACKGROUND VERIFICATION REQUEST FORM
Date:
Pursuant to provisions of Chapter 119, F.S., and procedures outlined under Rule
Chapter llC-6, F.A.C., we request a criminal history record (convictions and arrests)
check of your files.
Criminal "history background check will be performed in this office. Please fill in the
blanks.
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AFFIDAVIT
3efore me this day personally appeared It ~ ( J who swears or affirms
hat the vehic1e(s) to be permitted meet(s) the safety standards as et forth in Code of Laws
Uld Ordinance Chapter 142.
1 is understood and acknowledged by the Code Enforcement Department and myself that if
ny vehic1e(s) that is/are permitted fail(s) to meet(s) the safety standards as required by this
::>rdinance, the vehic1e(s) must be removed from seIVice until all violations are corrected.
BUSINESS NAME
1"1 a!7t'jA -1114 tJ.s:. rOtt ,411 d.J gf~qA ~lS -r.:[rJc.
SIGNATUREOFAPPUCANT~ ---rz~ DATE It.- /z,- ol?-
STAlE OF FLORIDA
COUNIY OF COLLIER
The foregoing instrument was subscrtbed and sworn to before me this / f}-lb day of 'be (:. ,
2~, by i &{~ iu who is personally known or has
( ~
produced
as identification and who did.
A:0kJ Yt?;J;s
PRINT NAME NOTARY
NOTARY PUBLIC COMMISSION # :))) c/ c: 7 [/10
NOTARY'S SEAL
COMMISSION EXPIRES:
/l~. 3/2C09
)
NO'Tl<.RY PUBLlC-S'iATE OF FLORlDA
~ Kimberly Brandes
Commission # DD467410
Expires: AUG. 31, 2009
d d .,..,.,~, Atlantic Bonding Co., Inc.
Bon e Ul>U
4
AFFIDAVIT
hereby certify that I have read and understand Code of Laws and Ordinance Chapter 142,
Vehicles for Hire" and if I am granted a Certificate to Operate I will fully comply with its
>rovisions.
swear or affirm that all information on this Application
d/.<~
(Signature of Applicant) j
STATE OF FLORIDA
COUN1Y OF COLLIER
By C.ha/7' ;C. I- h who has produced
(Name of person acknowledging)
As identifica. t1 p;;7/)W;O did ta:: an oa~/, /
~6~Lt1 ~.~~.:' /UJ?&.
Signa e of Notary
~~~ tJJ/i/Jdk
Print o~otary .
NOTARY'S SEAL
Commission Expires
7)/) LltHlO
/713 3;, 2cdl
;.;U IARY Pl;':.!~;:.-::::_.l t: Ui' FLORiLr\
~". .~. Yillnberly Brandes
Commission # DD467410
Expires: AUG. 31, 2009
Bonded Thru Atlantic Bonding Co., Inc.
Notary Public Commission #
5
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COIAGY 18 17 T# 554043115
FLORIDA VEIDCLE REGISTRATION B# 396033
PLATE WBA708 DECAL 12335924 Expires Midnight Wed 9/30/2009
YRlMK 20081GMC BODY UT COLOR BlK Reg. Tax 73.22 Class Code 9
VIN 1 GKER33748J297421 TITLE 101293094 Init. Reg. Tax Months 12
Plate Type FFR NET WT 4725 County Fee 3.00 Back Tax Mos
Mail Fee Credit Class 1
DUFEID 201712226-01 2ND DL# B240156454210 Sales Tax Credit Months 9
Date Issued 9/1112008 Plate Issued 9/11/2008 Voluntary Fees
Grand Total 76.22
FLORIDA TRANSPORTATION SPECIAUSTS INC,
CHARLES RUSSELL ERNEST BAISLEY
20097 SARACENO DR
ESTERO, FL 33928
IMPORTANT INFORMATION
1. The Florida license plate must remain with the registrant upon sale of vehicle.
2. The registration must be delivered to a Tax Collector or Tag Agent for transfer to
replacement vehicle.
3. The registration must be surrendered when requesting a change of address.
4. Registration renewals are the responsibility of the registrant and shall occur during
the 30-day period prior to the expiration date shown on this registration. Renewal
notices are provided as a courtesy and are not required for renewal purposes.
FFR - STATE WilDFLOWER PLATE ISSUED X
--.--- - --. - - -
--.------------------. -- -- ------ ....
- - --..- ------.
orLL;'
ifl"'.
lffi:E
$
INIl C~JHI1 MMIL
REG. FEE n.T
$ $3.00 $ $
ORTE INTEP'~\[I' ;;.iLUN1RIn'
ISSUED K105V it:.E CONT. TOTAL
Q8/1-+/08 $0.00 $
FLORIDR VEHICLE REGIS1Rfl1l0N
REG.
lRX
$11.60
PLA1E
ISSUED
GRANO
T01RL
$BO.60
,..~. OA1E ISSUED. 08/14/0B
(i DU~: ?lJi11222G-02 OU~: B240156454210
~. ".G" Ull31\IJ OCOL" 1lllJB6Bll (Xl" ll9I'flI1l!l
,,,,,,,1 ';N'~ 1NIl411Jll9!i 'ffi/Ii1<,21JlT.l eml
rLORIDII 1~1'" SPEtIILISlS ItIC. DflLES RIJSSD-I-
20091 SRRACENO OR
ES1ERO. FL 3392B
. o. ....,.... TO- <<.^'H~ DO. ...,.-' ~O. <<.^~.~
REG. INJl (~llUNTY MAIL SALES Tnu.
TAX REG. FEE FEE TAX FEE
$60,60 $ $3.00 $ $ .J'
PLATE DATE INTERNET VOLUNTARY GRANO
ISSUED ISSUED KIOSK FEE CONT.TDTfll.. TOTAL
08/14/08 $0.00 $ $63.60
FLORIDR vEHICLE REGISTRATION
DATE ISSUED: 08/14/08
OL#: 201712226-01 OL#: 8240156454210
TAG..: ;-;346SE DECfll": 11108681 EXp: OS/3D/D9
'n:, , IG6KD57Y97U109035 TC: 97642266 YR/HK: 2007 CADI
FLORIDA TRANSPORTATION SPECIALISTS INC. CHARlES RUSSELL
20097 SARACENO OR
ESTERO. Fl 33928
14.1"IL:I'O-tar:J T.u.. CC.."'I-t......... nJl... nA~on~ nM. L~...^"7.............
tJet j, LOOe 10: lOAM
~rotesslonal lnsurance Center
IV O. I 't't ~
r. 1/ I I
....----- - -
~,CORDTM CERTIFICATE OF LIABILITY INSURANCE I DATE (MMJ1XI/VYVY1
ne/11/"'JIlIlO
PRODUCER 20 , THIS CEFlllFICA IE IS ISSUEO AS A MATTER OF INFORMATION
I ONLY AND CONFERS NO RIGHTS UPON THe CERTIFICATE
PROPBSSIoN,U. INStTRANCll C2m'.ER, I HOLDER. THIS CERTIFICATE DOES NOt AMEND, EXTEND OR
2003 W. DmmtJr B.t.VD. I ALTER THE COVERAGE AFFORDED BY THE POUCIES BELOW.
TAM.PA r FL 3360~ I
i
I INSURERS AFFORDING COVERAGE NAIC#
INSURED FLORIDA TRUlSPOR'I'A'l'ZON SP2c!ZUiIS'I'S I INSURER AI AIIIlRZCAN SotJTHR1Ul INS co :1.It235
20091 SAAACBNO I
I INSURER B:
ESTBRO, l?L 33928 I INSURER C:
! INSUR.R 0:
FLOROS i INSURER E:
COVERAGES
THE POLICIES OF INSURANCE LISTED BEl-OW HAVI! BEEN ISSUED TO THE lNSUfleO NAMED ABOVE FOA THe POLICY PERIOD INDICA'l'eO, NOTWITHSTANDING
ANY REQUIRE;Mem, TERM OR CONDITION OP ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFlCATE MAY 8e ISSUED OR
MAY PERTAIN, THE INSURANce AFFORDED BY THE POLICies DesCRIBED HEREIN IS SlJaJeCi TO ALL THE TERMS, exCL.USIONS AND CONDITIONS OF SUCH
POLICIES. AGiGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
_ I'QUCY NUMBER ' ~~'!..~~ POUCY ElCPlRtJJe~
I
~ERAL UA8lVl'Y
f--p:2,MMEFlCIAL G.NeRAL LIABILITY
I--W CLAIMS MADS 0 OCCI,IR
IiACH OCCUflRENCE
=';:s~:~~nc.1
UMIT$
$
MeD ~ (Any ane ~er.onl
PERSONAl. to AOV 11IWUl'lY
A
i--
I--
~'L AGGf\E~ LIMIT AP~ PER:
I I POLICY I I ~~~;. I I LOC
~OMOIllLEUABlU1Y
_ ANY AU10
_ ALLOWNEOAUTOS
...!. SCHEDUL.O AVmS
_ HIRED AU10S
_ 1\I0N-OWNECAUTOS
-
GENERAL AGGREGATE ~
PROOUCT$. COll.1P/OP AGG $
BA721070
09112/20~8 b9/~31200'
COMBINED SINGLE LIMIT
lEa accident)
10000DO
800lL Y INJURY
IPet ~el8Onl
80DIL Y INJURY
IP.r otddCJntl
PROPERTY DAMAGE
(P.r ~~l;identJ
~GiUAIllUTY
~ ANY AUTO
AUTO ONLY - EA ACCIO.NT
exOESS/l.lMBI\EU.A UA8IUTY
:::J'OCCUR 0 C~IMSMADE
R O.DUCTlBLE.
RETENTION $
WORK~COMMN$A~ONANP
IiMPLOVER$' LIAaIU1"\"
Ar'N PFIQPAI~TOF\lPAR1NERlEXECUTIVIi
OFFlCEIVMEMBER SXCLUO.O?
\7e'b'I~~V~~~1;l .....Iow
OTHER
EACH OCCURRENCE;
EAACC $
AGG 6
$
a
$
a
1$
! !!'~!r:':~., I IO~
OTHER THAN
AUTO ONLY:
AGGI\EGA'I1
E.L EACH ACCIDENT
S.L. DISEASE - SA EMPLOYEE ~
n. DISEA$E. PO~ICY LIMIT $
DESCRIPTION 01' OPERATIONS J LQ(;,,'I'1~ J va1ICLES I EXCWSlONS ADDED BY ENDO~El\IT J SPiC!1AI. PflOVISIONS
I
I
I
CBR'I'IYZCATB HOLDER NAJ!1W AS ADDI'I'IONAL INSt1BED. (SBB A'I"I'AClmD vmuCL!' SCHBtJaL.E)
!
I
ACORD 25 (2001/08)
CANCELLATION lO-D.\Y :NO'rICIl FOR. N01.f-PAnlB1fl'1' OF PRBM
$HOULD MY OF THl! AB~ DESCl'IIUO POlJCl15S 81 CANCEU.fI) IlEFOllf THE EXPIRA nON
DATE 1'He'IEOF. THI"i$sUlNG INSUREII WIll. ENDEAVOR TO MAlL ~ 0;"1"$ WIIITT1lN
NOTICE TO ~'+'l'.llO~~ TO THE LEfT. BUT FAlWRE TO 00 80 SHAlL
IMf'OSE "tl8U~i10N &>R J" r I(INU UPON THe INSURER, ITS AGENTS OR
IlEPftU!IIiITATlVES. I I ,
~IiNTATI 1,..J/ /P.~ 3
~..., /3tj JrZ
c ACORD'CORPORATION 1988
CERTIFICATE HOLDER
COu.rSR Cor1N'J:'Y BOUD OF COMJUS:rOD1/.S
2aDO 1!l HOUDlIOB DRIVS
BAPUS1 FL 311D6
Dept: ~l Company: Florida Transpbrtati~ speclal
I
I
LOll Policy No. Yeul Make ve.:-s;l,on
__________ ---.I _.u
I
~ c t. J. 2008 1 0 : 12 AM
operating Date, 09/30/3008
Ag'wcy, l:J.l
Div: All
Inc Cd Named In$~ed
FLOR09 Flor;l,da Transportation Spec
Professional Insurance Center
1
Professiona~ Insurance center, Inc.
t
rel'oJ.ole List
AtlTOll iIl'.?21070
1 1
~ooal GMC
I
20031 CADILLAC
.007, CADILLAC
i
I
i
i
I
Mc4el
ACADIA
ESar.:.nE
DTS
No, 144~
1". I VI I I
(ltsge
1
Clock ~tCI 10/03/2008 ~ 10:05
VIN
IG~37~8J297421
3GYrl66NXG327333
1GiKD57Y9U10903s
RATE SCHEDULE
SEDAN: Naples to Naples Airport
Naples to RSW
Naples to Miami
Naples to Ft. Lauderdale
Hourly- $ 40.00 per hr. (1.5 hr. min.)
$ 50.00
$ 65.00
$210.00
$200.00
SUV: $20.00 premium over sedan rates
. >
LEE COUNTY LOCAL BUSINESS TAX RECEIPT
2007 - 2008
ACCOUNT NUMBER: 0806820
ACCOUNT EXPIRES SEPTEMBER 30, 2008
May engage in the business of:
TRANSPORTATION COMPANY
Location
20097 SARACENO DR
ESTERO FL 33928
THIS LOCAL BUSINESS TAX RECEIPT IS NON REGULATORY
FLORIDA TRANSPORTATION SPECIALIST INC
FLORIDATRANSPORTATION SPECIALIST INC
20097 SARACENO DR
ESTERO FL 33928
THIS IS NOT A BILL. DO NOT PAY
PAID 247038-2-1
MY81
09/0212008 11: 12:59
$12.50
LEE COUNTY LOCAL BUSINESS TAX RECEIPT
2008 - 2009
ACCOUNT NUMBER: 0806820
ACCOUNT EXPIRES SEPTEMBER 30, 2009
May engage in the business of:
TRANSPORTATION COMPANY
Location
20097 SARACENO DR
ESTERO FL 33928
THIS LOCAL BUSINESS TAX RECEIPT IS NON REGULATORY
FLORIDA TRANSPORTATION SPECIALIST INC
FLORIDA TRANSPORTATION SPECIALIST INC
20097 SARACENO DR
ESTERO FL 33928
THIS IS NOT A BILL. DO NOT PAY
PAID 247038-2-1
MY81
09/0212008 11: 12:59
$50.00
;..".~,.~...:
September 30, 2004
FLORIDA DEPARTMENT OF STATE
Glenda E. Hood
Secretary of State
RUSSELL E. BAISLEY
2725 70TH STREET SW
NAPLES, FL 34105
The Articles of Incorporation for FLORIDA TRANSPORTATION SPECIALISTS INC.
were filed on September 30, 2004 and assigned document number P04000136283.
Please refer to this number whenever corresponding with this office regarding the above
corporation.
PLEASE NOTE: Compliance with the following procedures is essential to maintaining
your corporate status. Failure to do so may resuJt in dissolution of your corporation.
A corporation annual report must be filed with this office between January 1 and May 1
of each year beginning with the calendar year following the year of the filing/effective
date noted above and each year thereafter. Failure to file the annual report on time may
result in administrative dissolution of your corporation.
A federal employer identification (FEI) number must be shown on the annual report form
prior to its filing with this office. Contact the Intemal Revenue Service to insure that you
receive the FEI number in time to file the annual report. To obtain a FEI number, contact
the IRS at 1-800-829-3676 and request form S8-4.
Should your corporate mailing address change, you must notify this office in writing, to
insure important mailings such as the annual report notices reach you.
Should you have any questions regarding corporations, please contact this office at the
address given below.
Justin M Shivers, Document Specialist
New Filings Section
Letter Number: 704A00057139
Division of Corporations - P.O. BOX 6327 -Tallahassee, Florida 32314
I