Dear Applicant,
MCL BETA has been contracted by Customer in Testing to compile a credit report in connection with your application.
If you have questions, require an explanation, or feel that your report is incorrect, you may contact the credit bureaus at the following addresses:
| EXPERIAN | TRANSUNION | EQUIFAX | | PO BOX 4500 | PO BOX 2000 | PO BOX 740241 | | ALLEN, TX 75013 | CHESTER, PA 19022 | ATLANTA, GA 30374 | | 888-397-3742 | 800-888-4213 | 800-685-1111 | | www.experian.com/reportaccess | transunion.com/myoptions | www.equifax.com/fcra |
To dispute inaccurate information on your credit report by mail, please include the following information:
- Your full name: first, middle, and last; including any applicable suffixes (Jr., Sr., II, etc.)
- Your complete mailing address
- Your date of birth
- Your social security number (this is necessary to access your credit report)
- The name and account number of the creditor and item in question
- The specific reason for the dispute with the item (include any relevant documentation)
- Your authorizing signature
The credit bureau or credit agency plays no part in the decision to take
any action on your application request, and is unable to provide
you with specific reasons for the decision on an application.
To speed up the process, MCL BETA recommends obtaining documentation directly from the creditor
(the bank, department store, or other lender) to include in any dispute made directly to
a credit reporting agency.
Creditors are required by law to update the three national credit bureaus with any corrective action taken.
This report is for the subject's personal use only and should not be shared with any third parties.
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001
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ECOA / WHOSE B
/
B |
USAA FEDERAL SAVINGS
ACCT000006 |
ACCT TYPE AUTO |
REPORTED 05/16 |
HI CREDIT $31206 |
PAYMENT $533 |
30 0 |
60 0 |
90+ 0 |
AS AGREED |
|
SOURCE
XP/TU/EF
|
TERM 069 |
OPENED 09/15 |
BALANCE $28626 |
PAST DUE $0 |
- |
- |
- |
MO REV 9 |
LAST LATE --/-- |
DLA 11/15 |
|
002
|
|
|
ECOA / WHOSE B
/
B |
CHASE
ACCT00**** |
ACCT TYPE REV |
REPORTED 06/16 |
HI CREDIT $4000 |
PAYMENT $10 |
30 0 |
60 0 |
90+ 0 |
AS AGREED |
|
SOURCE
XP/TU/EF
|
TERM MIN |
OPENED 11/15 |
BALANCE $228 |
PAST DUE $0 |
- |
- |
- |
MO REV 7 |
LAST LATE --/-- |
DLA 06/16 |
|
003
|
|
|
ECOA / WHOSE B
/
B |
CATO CORPORATION
ACCT00**** |
ACCT TYPE REV |
REPORTED 12/14 |
HI CREDIT $200 |
PAYMENT $0 |
30 0 |
60 0 |
90+ 0 |
PAID |
|
SOURCE
XP/TU/EF
|
TERM - |
OPENED 06/12 |
BALANCE $0 |
PAST DUE $0 |
- |
- |
- |
MO REV 31 |
LAST LATE --/-- |
DLA 10/12 |
|
004
|
|
|
ECOA / WHOSE B
/
B |
CITI
ACCT00**** |
ACCT TYPE REV |
REPORTED 06/16 |
HI CREDIT $1800 |
PAYMENT $0 |
30 0 |
60 0 |
90+ 0 |
PAID |
|
SOURCE
XP/TU/EF
|
TERM - |
OPENED 09/11 |
BALANCE $0 |
PAST DUE $0 |
- |
- |
- |
MO REV 57 |
LAST LATE --/-- |
DLA 05/16 |
|
|
ACCOUNT CLOSED AT CONSUMER'S REQUEST |
|
005
|
|
|
ECOA / WHOSE B
/
B |
CITI
ACCT00**** |
ACCT TYPE REV |
REPORTED 06/16 |
HI CREDIT $2300 |
PAYMENT $0 |
30 0 |
60 0 |
90+ 0 |
AS AGREED |
|
SOURCE
XP/TU/EF
|
TERM - |
OPENED 06/16 |
BALANCE $0 |
PAST DUE $0 |
- |
- |
- |
MO REV 1 |
LAST LATE --/-- |
DLA --/-- |
|
006
|
|
|
ECOA / WHOSE B
/
B |
DISCOVER FIN SVS LLC
ACCT00**** |
ACCT TYPE REV |
REPORTED 06/16 |
HI CREDIT $7500 |
PAYMENT $0 |
30 0 |
60 0 |
90+ 0 |
PAID |
|
SOURCE
XP/TU/EF
|
TERM - |
OPENED 07/13 |
BALANCE $0 |
PAST DUE $0 |
- |
- |
- |
MO REV 35 |
LAST LATE --/-- |
DLA 06/15 |
|
|
ACCOUNT CLOSED AT CONSUMER'S REQUEST |
|
007
|
|
|
ECOA / WHOSE B
/
B |
GEMB/JCP
ACCT00**** |
ACCT TYPE REV |
REPORTED 06/16 |
HI CREDIT $500 |
PAYMENT $0 |
30 0 |
60 0 |
90+ 0 |
AS AGREED |
|
SOURCE
XP/TU/EF
|
TERM - |
OPENED 03/13 |
BALANCE $0 |
PAST DUE $0 |
- |
- |
- |
MO REV 39 |
LAST LATE --/-- |
DLA 11/14 |
|
008
|
|
|
ECOA / WHOSE B
/
B |
GEMB/OLD NAVY
ACCT00**** |
ACCT TYPE REV |
REPORTED 06/16 |
HI CREDIT $1200 |
PAYMENT $0 |
30 0 |
60 0 |
90+ 0 |
AS AGREED |
|
SOURCE
XP/TU/EF
|
TERM - |
OPENED 04/15 |
BALANCE $0 |
PAST DUE $0 |
- |
- |
- |
MO REV 15 |
LAST LATE --/-- |
DLA 11/15 |
|
009
|
|
|
ECOA / WHOSE B
/
B |
HSBC/MCRAE
ACCT00**** |
ACCT TYPE REV |
REPORTED 06/16 |
HI CREDIT $900 |
PAYMENT $0 |
30 0 |
60 0 |
90+ 0 |
AS AGREED |
|
SOURCE
XP/TU/EF
|
TERM - |
OPENED 09/12 |
BALANCE $0 |
PAST DUE $0 |
- |
- |
- |
MO REV 35 |
LAST LATE --/-- |
DLA 02/16 |
|
010
|
|
|
ECOA / WHOSE B
/
B |
MBNA AMERICA
ACCT00**** |
ACCT TYPE REV |
REPORTED 06/16 |
HI CREDIT $7500 |
PAYMENT $0 |
30 0 |
60 0 |
90+ 0 |
AS AGREED |
|
SOURCE
XP/TU/EF
|
TERM - |
OPENED 06/16 |
BALANCE $0 |
PAST DUE $0 |
- |
- |
- |
MO REV 1 |
LAST LATE --/-- |
DLA 06/16 |
|
011
|
|
|
ECOA / WHOSE B
/
B |
NBGL-MCRAES
ACCT00**** |
ACCT TYPE REV |
REPORTED 07/13 |
HI CREDIT $900 |
PAYMENT $0 |
30 0 |
60 0 |
90+ 0 |
PAID |
|
SOURCE
XP/TU/EF
|
TERM - |
OPENED 09/12 |
BALANCE $0 |
PAST DUE $0 |
- |
- |
- |
MO REV 09 |
LAST LATE --/-- |
DLA 04/13 |
|
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PURCHASED BY ANOTHER LENDER |
|
012
|
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ECOA / WHOSE B
/
B |
TOYOTA MOTOR CREDIT
ACCT000012 |
ACCT TYPE AUTO |
REPORTED 10/15 |
HI CREDIT $30973 |
PAYMENT $0 |
30 0 |
60 0 |
90+ 0 |
PAID |
|
SOURCE
XP/TU/EF
|
TERM 072 |
OPENED 09/15 |
BALANCE $0 |
PAST DUE $0 |
- |
- |
- |
MO REV 2 |
LAST LATE --/-- |
DLA 10/15 |
|
013
|
|
|
ECOA / WHOSE B
/
B |
WFNNB/BEALLS
ACCT00**** |
ACCT TYPE REV |
REPORTED 06/16 |
HI CREDIT $1000 |
PAYMENT $0 |
30 0 |
60 0 |
90+ 0 |
AS AGREED |
|
SOURCE
XP/TU/EF
|
TERM - |
OPENED 01/16 |
BALANCE $0 |
PAST DUE $0 |
- |
- |
- |
MO REV 6 |
LAST LATE --/-- |
DLA 01/16 |
|
014
|
|
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ECOA / WHOSE B
/
B |
GTE SOUTHWEST INC
ACCT000005 |
ACCT TYPE INST |
REPORTED 05/16 |
HI CREDIT - |
PAYMENT - |
30 0 |
60 0 |
90+ 0 |
AS AGREED |
|
SOURCE
XP/TU/EF
|
TERM 001 |
OPENED 11/15 |
BALANCE - |
PAST DUE $0 |
- |
- |
- |
MO REV 1 |
LAST LATE --/-- |
DLA 05/16 |
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UTILITY COMPANY |
|
|
|
| WHOSE |
COMPANY |
BUSINESS TYPE |
INQUIRY DATE |
BUREAU |
| B |
FISERV CREDSTAR |
FINANCE |
06/18/16 |
XP/EF |
| B |
CHASE CREDIT |
REAL ESTATE |
06/18/16 |
TU |
| B |
MBNA |
BANKING |
06/12/16 |
XP |
| B |
CITI |
BANKING |
05/13/16 |
TU |
| B |
WFNNB/BEALLS |
CLOTHING |
12/29/15 |
XP |
| B |
FIRST USA NA |
BANKING |
11/21/15 |
TU |
| B |
ANDELER |
UTILITIES/FUEL |
10/31/15 |
EF |
| B |
USAA |
BANKING |
09/04/15 |
EF |
| B |
CARLOCK TOYO |
AUTOMOTIVE |
09/03/15 |
TU |
| B |
CTUPELO |
AUTOMOTIVE |
09/03/15 |
EF |
| B |
TOYOTA CRE |
FINANCE |
09/03/15 |
EF |
| B |
CINGULR-MS |
UTILITIES/FUEL |
07/18/15 |
EF |
| B |
CINGULR-MS |
UTILITIES/FUEL |
07/14/15 |
EF |
| B |
FED GOVT |
GOVERNMENT |
05/23/15 |
EF |
| B |
GEMB/OLDNY |
FINANCE |
04/20/15 |
EF |
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ECOA KEY: B=BORROWER; C=CO-BORROWER; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S=CO-SIGNER
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and
privacy of information in the files of consumer reporting agencies. There are many types of
consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies
that sell information about check writing histories, medical records, and rental history records).
Here is a summary of your major rights under the FCRA.
For more information, including
information about additional rights, go to
www.consumerfinance.gov/learnmore
or write
to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
| • |
You must be told if information in your file has been used against you.
Anyone who uses a credit report or another type of consumer report to deny your application for credit,
insurance, or employment – or to take another adverse action against you – must tell you, and must give
you the name, address, and phone number of the agency that provided the information.
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| • |
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, all consumers are entitled to one free disclosure every 12 months upon request
from each nationwide credit bureau and from nationwide specialty consumer reporting
agencies. See www.consumerfinance.gov/learnmore for additional information.
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| • |
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.
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| • |
You have the right to dispute incomplete or inaccurate information.
If you identify
information in your file that is incomplete or inaccurate, and report it to the consumer
reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
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| • |
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
Inaccurate, incomplete or unverifiable information must be
removed or corrected, usually within 30 days. However, a consumer reporting agency may
continue to report information it has verified as accurate.
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| • |
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.
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.
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| • |
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.
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| • |
You must give your consent for reports to be provided to employers.
A consumer
reporting agency may not give out information about you to your employer, or a potential
employer, without your written consent given to the employer. Written consent generally is
not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore.
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| • |
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 1-888-5-OPTOUT (1-888-567-8688).
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| • |
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.consumerfinance.gov/learnmore.
|
States may enforce the FCRA, and many states have their own consumer reporting laws. In
some cases, you may have more rights under state law. For more information, contact your
state or local consumer protection agency or your state Attorney General. For information
about your federal rights, contact:
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TYPE OF BUSINESS:
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CONTACT:
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1.a. Banks, savings associations, and credit
unions with total assets of over $10 billion and
their affiliates
b. Such affiliates that are not banks, savings
associations, or credit unions also should list,
in addition to the CFPB:
|
a. Consumer Financial Protection Bureau
1700 G. Street N.W.
Washington, DC 20552
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. National banks, federal savings associations,
and federal branches and federal agencies of
foreign banks
b. State member banks, branches and agencies
of foreign banks (other than federal branches,
federal agencies, and Insured State Branches of
Foreign Banks), commercial lending
companies owned or controlled by foreign
banks, and organizations operating under
section 25 or 25A of the Federal Reserve Act
c. Nonmember Insured Banks, Insured State
Branches of Foreign Banks, and insured state
savings associations
d. Federal Credit Unions
|
a. Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
b. Federal Reserve Consumer Help Center
P.O. Box. 1200
Minneapolis, MN 55480
c. FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, MO 64106
d. National Credit Union Administration
Office of Consumer Protection (OCP)
Division of Consumer Compliance and
Outreach (DCCO)
1775 Duke Street
Alexandria, VA 22314
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3. Air carriers
|
Asst. General Counsel for Aviation
Enforcement & Proceedings
Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, S.E.
Washington, DC 20423
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4. Creditors Subject to the Surface
Transportation Board
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Office of Proceedings, Surface Transportation
Board
Department of Transportation
395 E Street, S.W.
Washington, DC 20423
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5. Creditors Subject to the Packers and
Stockyards Act, 1921
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Nearest Packers and Stockyards
Administration area supervisor
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6. Small Business Investment Companies
|
Associate Deputy Administrator for Capital
Access
United States Small Business Administration
409 Third Street, S.W., 8th Floor
Washington, DC 20549
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7. Brokers and Dealers
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Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
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8. Federal Land Banks, Federal Lank Bank
Associations, Federal Intermediate Credit
Banks, and Production Credit Associations
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Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
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9. Retailers, Finance Companies, and All Other
Creditors Not Listed Above
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FTC Regional Office for region in which the
creditor operates or Federal Trade
Commission: Consumer Response Center –
FCRA
Washington, DC 20580
(877) 382-4357
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