Annual Credit Report - Experian
Annual Credit Report - Experian
ANDREW W LINDSEY
Personal & Con6dential
Personal Information
This information is reported to us by you, your creditors and/or other sources. Each source
may report your information differently, which may result in variations of your name, address,
Social Security number, etc. This is used for identiGcation purposes only and does not factor
into your Credit Score.
Names
XXX-XX-9999 XXX-XX-6919
Year of Birth
1997
Phone Numbers
Employers
Accounts
Accounts
Includes credit cards, real estate loans and installment loans. This information is reported to
the credit bureaus from your creditors.
AFFIRM INC
Responsibility Individual
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Highest Balance $0
Terms 12 Months
# Payment History
J F M A M J J A S O N D
2018 — — — — CLS — — — — — — —
CLS Closed
$ Contact Info
Address 650
CALIFORNIA
ST FL 12,
SAN
FRANCISCO
CA 94108
Responsibility Individual
Balance $3,183
Highest Balance $0
Terms 60 Months
# Payment History
J F M A M J J A S O N D
2020 — — — — — — —
2019 — — — — — — — — — —
Current on payments
% Balance Histories
$ Contact Info
Responsibility Individual
Status Open.
Balance $60
Recent Payment $0
Monthly Payment $0
Terms NA
# Payment History
J F M A M J J A S O N D
2020 30 — — — — —
2019 — — — — — — — —
% Balance Histories
Date Jun 2020 Balance $180 Scheduled $25 Paid on $0
Payment 06/11/2020
$ Contact Info
SALT LAKE
CITY UT 84130
' Comment
Account previously in dispute - investigation complete, reported by data
furnisher
This item was updated from our processing of your dispute in Jul 2020.
DEPT OF ED/NAVIENT
Responsibility Individual
Balance $3,659
Recent Payment $0
Monthly Payment $0
Highest Balance $0
# Payment History
J F M A M J J A S O N D
2020 — — — — — —
2019 ND ND ND ND
2018 ND ND
2017
2016
2015 — — — — — — —
% Balance Histories
$ Contact Info
DEPT OF ED/NAVIENT
Responsibility Individual
Balance $2,359
Recent Payment $0
Monthly Payment $0
Highest Balance $0
J F M A M J J A S O N D
2020 — — — — — —
2019 ND ND ND ND
2018 ND ND
2017
2016
2015 — — — — — — —
% Balance Histories
$ Contact Info
DEPT OF ED/NAVIENT
Responsibility Individual
Balance $3,639
Recent Payment $0
Monthly Payment $0
Highest Balance $0
J F M A M J J A S O N D
2020 — — — — — —
2019 ND ND ND ND
2018 ND ND
2017
2016 — — — — — — —
% Balance Histories
$ Contact Info
DEPT OF ED/NAVIENT
Responsibility Individual
Balance $2,233
Recent Payment $0
Monthly Payment $0
Highest Balance $0
J F M A M J J A S O N D
2020 — — — — — —
2019 ND ND ND ND
2018 ND ND
2017
2016 — — — — — — —
% Balance Histories
$ Contact Info
DEPT OF ED/NAVIENT
Responsibility Individual
Balance $2,356
Recent Payment $0
Monthly Payment $0
Highest Balance $0
J F M A M J J A S O N D
2020 — — — — — —
2019 ND ND ND ND
2018 ND ND
2017 — — — — — — —
% Balance Histories
DEPT OF ED/NAVIENT
Responsibility Individual
Balance $1,100
Recent Payment $0
Monthly Payment $0
Highest Balance $0
# Payment History
J F M A M J J A S O N D
2020 — — — — — —
2019 ND ND ND ND
2018 ND ND
2017 — — — — — — —
% Balance Histories
DEPT OF ED/NAVIENT
Responsibility Individual
Balance $4,822
Recent Payment $0
Monthly Payment $0
Highest Balance $0
# Payment History
J F M A M J J A S O N D
2020 — — — — — —
2019 — — — — —
Current on payments
% Balance Histories
Date May 2020 Balance $4,822 Scheduled $0 Paid on $0
Payment 05/15/2020
$ Contact Info
Address PO BOX 9635,
WILKES BARRE
PA 18773
Responsibility Individual
Status Open.
Balance $1,051
Recent Payment $0
Terms NA
# Payment History
J F M A M J J A S O N D
2020 30 30 — — — — — —
2019 — — — — — — — — — —
% Balance Histories
$ Contact Info
Address PO BOX 15316,
WILMINGTON
DE 19850
This item was updated from our processing of your dispute in Mar 2020.
MONEYLION INC
Responsibility Individual
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Highest Balance $0
Terms 12 Months
J F M A M J J A S O N D
2020 CLS — — — — — — — — — —
2019 — — — — — — — — — —
% Balance Histories
$ Contact Info
MONEYLION INC
Potentially Negative
Responsibility Individual
Balance $400
Recent Payment $0
Highest Balance $0
Terms 12 Months
# Payment History
J F M A M J J A S O N D
2020 — 30 — — — — — —
% Balance Histories
Date May 2020 Balance $398 Scheduled $50 Paid $30
Payment
$ Contact Info
Responsibility Individual
Balance $3,737
Terms NA
# Payment History
J F M A M J J A S O N D
2020 — — — — — —
2019 — — — — — — —
Current on payments
% Balance Histories
Date May 2020 Balance $4,055 Scheduled $82 Paid on $56
Payment 04/25/2020
$ Contact Info
Responsibility Individual
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Terms NA
# Payment History
J F M A M J J A S O N D
2020 CLS — — — — — — — — — —
2019
2018
2017 30 60
2016 — — — — — — — —
% Balance Histories
$ Contact Info
' Comment
This item was updated from our processing of your dispute in Apr 2020.
SHIPPENSBURG UNIVERS PA
Potentially Negative
Responsibility Individual
Balance -
Balance Updated -
Recent Payment -
Monthly Payment $0
Highest Balance $0
# Payment History
J F M A M J J A S O N D
2019 30 60 90 120 150 C C C C —
2018
2017
2016
2015 — — — — — — — —
% Balance Histories
Date May 2019 Balance $4,717 Scheduled $0 Paid $0
Payment
$ Contact Info
This item was updated from our processing of your dispute in Nov 2019.
TELECOM SELF-REPORTED
Responsibility Individual
Date Opened -
Balance $65
Highest Balance $0
Terms 1 Months
# Payment History
J F M A M J J A S O N D
2020 ND — — — — — — — — — —
2019 — — — — — ND
UTILITY SELF-REPORTED
Responsibility Individual
Date Opened -
Balance $82
Highest Balance $0
Terms 1 Months
# Payment History
J F M A M J J A S O N D
2020 ND — — — — — — — — — —
2019 — — — — — ND ND
Public Records
Information gathered from courts or other government agencies about legal matters
associated with you. The most common Public Records are bankruptcies, tax liens, and
monetary judgments.
Hard Inquiries
Hard inquiries are requests for your consumer information based on an action or process
initiated by you generally related to a credit or other monetary obligation, such as when you
apply for credit, or default on a loan causing it to be sent to a collection agency. Hard
inquiries are displayed to companies that receive your consumer report and may stay on your
report at least two years.
JBMP GROUP ACCESS/TBOM SYNCHRONY FREEDOM CU
Inquired on Inquired on BANK Inquired on
06/29/2020 05/22/2020 Inquired on 03/21/2020
04/26/2020
1430 W 2700 S 626
GERMANTOWN LORRAINE PL C/O PO BOX JACKSONVILLE
AVE. #A SIOUX FALLS 965037 RD STE 250
PHILADELPHIA SD, 57106 ORLANDO FL, WARMINSTER
PA, 19122 32896 PA, 18974
UnspeciGed. This
Rental. This inquiry is UnspeciGed. This Unsecured. This
inquiry is scheduled to inquiry is inquiry is
scheduled to continue on scheduled to scheduled to
continue on record until Jun continue on continue on
record until Jul 2022. record until May record until Apr
2022. 2022. 2022.
Soft Inquiries
Soft inquiries are usually initiated by others, like companies making promotional offers of
credit or your lender conducting periodic reviews of your existing credit accounts. Soft
inquiries also occur when you check your own credit report or when you use credit monitoring
services from companies like Experian. These inquiries do not impact your credit score. Soft
inquiries are not disputable but are available here for reference.
475 ANTON
BLVD,
COSTA MESA
CA 92626
(866) 431-3471
EXPERIAN EXPERIAN MYFICO EXPERIAN CS
CREDITMATCH Inquired on CONSUMER IDENTITY
Inquired on 07/03/2020, SERVICES Inquired on
07/06/2020, 06/29/2020, Inquired on 07/01/2020,
07/04/2020, 06/17/2020, 07/03/2020 an 06/29/2020,
07/02/2020, 05/22/2020, d 08/31/2019 06/28/2020,
06/30/2020, 05/17/2020, 11/08/2019,
06/29/2020, 05/16/2020, 200 SMITH 11/05/2019 an
06/28/2020, 04/26/2020, RANCH RD, d 07/26/2019
06/26/2020, 04/20/2020, SAN RAFAEL
06/22/2020, 04/16/2020, CA 94903 535 ANTON
06/19/2020, 03/21/2020, (800) 319-4433 BLVD STE 100,
06/17/2020, 03/19/2020, COSTA MESA
06/12/2020, 03/18/2020, CA 92626
06/11/2020, 02/20/2020,
06/10/2020, 02/19/2020,
06/09/2020, 02/13/2020,
06/06/2020, 01/20/2020,
06/03/2020, 12/20/2019,
05/31/2020, 12/11/2019,
05/29/2020, 11/30/2019,
05/28/2020, 11/20/2019,
05/27/2020, 11/19/2019,
05/24/2020, 11/18/2019,
05/23/2020, 10/29/2019,
05/22/2020, 10/28/2019,
05/21/2020, 10/27/2019,
05/19/2020, 10/24/2019,
05/17/2020, 10/20/2019,
05/15/2020, 10/19/2019,
05/14/2020, 10/01/2019,
05/01/2020, 09/28/2019,
04/30/2020, 08/31/2019,
04/28/2020, 08/07/2019,
04/23/2020, 07/04/2019,
03/24/2020, 05/22/2019,
03/21/2020, 04/26/2019 an
03/05/2020, d 04/03/2019
03/03/2020,
02/28/2020, 475 ANTON
02/19/2020, BLVD,
12/21/2019, COSTA MESA
12/17/2019, CA 92626
12/12/2019,
11/19/2019,
11/18/2019,
11/16/2019,
11/15/2019,
11/12/2019,
11/08/2019,
11/05/2019,
10/30/2019,
10/26/2019,
10/25/2019,
10/21/2019,
10/20/2019,
10/18/2019,
10/15/2019,
10/13/2019,
10/09/2019,
09/28/2019,
09/24/2019,
09/22/2019,
09/21/2019,
09/13/2019,
08/29/2019,
08/26/2019,
08/23/2019,
08/21/2019,
08/20/2019,
08/16/2019,
08/05/2019,
08/01/2019,
07/26/2019 an
d 03/25/2019
475 ANTON
BLVD,
COSTA MESA
CA 92626
760 MARKET
ST FL 2,
SAN
FRANCISCO CA
94102
PO BOX 1010,
EVANSVILLE IN
47706
(844) 298-9733
PO BOX 30281,
SALT LAKE
CITY UT 84130
(804) 967-1000
Important Messages
Medical Information
By law, we cannot disclose certain medical information (relating to physical, mental, or
behavioral health or condition). Although we do not generally collect such information, it
could appear in the name of a data furnisher (i.e., "Cancer Center") that reports your payment
history to us. If so, those names display on your report, but on reports to others they display
only as "MEDICAL PAYMENT DATA." Consumer statements included on your report at your
request that contain medical information are disclosed to others.
Contact Experian
Online
Visit Experian.com/dispute to dispute any inaccurate information, or click the dispute link
next to the item. For FAQs and online access to your Experian Credit Report, Fraud Alerts, and
Security Freezes, visit Experian.com/help
Phone Mail
Monday - Friday Experian
9am to 5pm PO Box 9701
(855) 414-6047 Allen, TX 75013
You must be told if information in your 6le 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 6le. You may request and obtain all the
information about you in the Gles of a consumer reporting agency (your "Gle disclosure"). You
will be required to provide proper identiGcation, which may include your Social Security
number. In many cases, the disclosure will be free. You are entitled to a free Gle 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 Gle;
your Gle 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, all consumers are entitled to one free disclosure every 12 months upon request
from each nationwide credit bureau and from nationwide specialty consumer reporting
agencies. See www.consumerGnance.gov/learnmore for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of your
creditworthiness 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 Gle that is incomplete or inaccurate, and report it to the consumer
reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumerGnance.gov/learnmore for an explanation of dispute procedures.
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 6le 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 speciGes those with a valid need for
access.
You must give your consent for reports to be provided to employers. A consumer reporting
agency may not give out information about you to your employer, or a potential employer,
without your written consent given to the employer. Written consent generally is not required
in the trucking industry. For more information, go to www.consumerGnance.gov/learnmore.
You may limit "prescreened" offers of credit and insurance you get based on information in
your credit report. Unsolicited "prescreened" offers for credit and insurance must include a
toll-free phone number you can call if you choose to remove your name and address from the
lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1 888
5OPTOUT (1 888 567 8688).
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a
user of consumer reports or a furnisher of information to a consumer reporting agency
violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights. For more
Information, visit www.consumerGnance.gov/learnmore.
States may enforce the FCRA, and many states have their own consumer reporting laws. In
some cases, you may have more rights under state law. For more information, contact your
state or local consumer protection agency or your state Attorney General. For more
information about your federal rights, contact:
b. Federal Trade
Commission:
Consumer Response
Center – FCRA
Washington, DC
20580
(877) 382-4357
2. To the extent not included in item 1 above: a. Once of the
Comptroller of the
a. National banks, federal savings associations, and federal Currency
branches and federal agencies of foreign banks Customer Assistance
Group
b. State member banks, branches and agencies of foreign 1301 McKinney Street,
banks (other than federal branches, federal agencies, and Suite 3450
insured state branches of foreign banks), commercial Houston, TX 77010-
lending companies owned or controlled by foreign banks, 9050
and organizations operating under section 25 or 25A of the
Federal Reserve Act b. Federal Reserve
Consumer Help
c. Nonmember Insured banks, Insured State Branches of Center
Foreign Banks, and insured state savings associations PO Box 1200
Minneapolis, MN
55480
d. Federal Credit Unions
c. FDIC Consumer
Response Center
1100 Walnut Street,
Box #11
Kansas City, MO
64106
d. National Credit
Union Administration
Once of Consumer
Protection (OCP)
Division of Consumer
Compliance and
Outreach (DCCO)
1775 Duke Street
Alexandria, VA 22314
9. Retailers, Finance Companies, and All Other Creditors Not FTC Regional Once
Listed Above for region in which the
creditor operates or
Federal Trade
Commission:
Consumer Response
Center – FCRA
Washington, DC
20580
(877) 382-4357
NotiGcation of Rights
NotiGcation of Rights for Alabama Consumers
NotiGcation of Rights for Alaska Consumers
NotiGcation of Rights for Arkansas Consumers
NotiGcation of Rights for California Consumers
NotiGcation of Rights for Colorado Consumers
NotiGcation of Rights for Connecticut Consumers
NotiGcation of Rights for Delaware Consumers
NotiGcation of Rights for District of Columbia Consumers
NotiGcation of Rights for Florida Consumers
NotiGcation of Rights for Georgia Consumers
NotiGcation of Rights for Indiana Consumers
NotiGcation of Rights for Maryland Consumers
NotiGcation of Rights for Massachusetts Consumers
NotiGcation of Rights for Missouri Consumers
NotiGcation of Rights for Montana Consumers
NotiGcation of Rights for Nevada Consumers
NotiGcation of Rights for New Hampshire Consumers
NotiGcation of Rights for New Jersey Consumers
NotiGcation of Rights for New Mexico Consumers
NotiGcation of Rights for New York Consumers
NotiGcation of Rights for North Carolina Consumers
NotiGcation of Rights for North Dakota Consumers
NotiGcation of Rights for Ohio Consumers
Ohio Notice of Rights for Protected Consumers
NotiGcation of Rights for Oklahoma Consumers
NotiGcation of Rights for Rhode Island Consumers
NotiGcation of Rights for Tennessee Consumers
NotiGcation of Rights for Texas Consumers
NotiGcation of Rights for Vermont Consumers
NotiGcation of Rights for Virginia Consumers
NotiGcation of Rights for Washington Consumers
NotiGcation of Rights for West Virginia Consumers