3-in-1 Credit Report as of June 6, 2007

Name: MELISSA CARSON

This credit report is available for you to view until date. This report will not update. If you would like a credit report as of a later date, you may order another one in the Member Center.
Section Title Section Description
1. Personal Information Personal data, addresses, employment history
2. Account Information Detailed account information
3. Inquiries Companies that have requested or viewed your credit information
4. Collections Accounts turned over to collection agencies
5. Public Records Bankruptcies, liens, garnishments and other judgments
6. Consumer Statment Letter added to credit file written by consumer
7. Dispute File Information How to dispute information found on this credit report

Personal Information

This 3-in-1 Credit Report is available for you to view until date. This report will not update. If you would like a current 3-in-1 Credit Report, you may order another by clicking "Order New Report" above.

Registration Information

Name: MELISSA CARSON
Address: 123 Peachtree Circle Atlanta, GA 30303
Social Security Number:123-45-6789

The following information is from the three nationwide credit reporting agencies.

Identification Information

  Equifax Experian TransUnion
  Reported Reported Reported
Name: MELISSA CARSON  MELISSA CARSON  MELISSA J CARSON 
Social Security Number: 123456789  123456789  123456789 
Age or Date of Birth: 03/1958  03/1958  03/1958 

Address Information

  Equifax Experian TransUnion
  Reported Reported Reported
Address: 123  Peachtree Circle    123  Peachtree Circle    123  Peachtree Circle   
  Atlanta  GA  30303  Atlanta  GA  30303  Atlanta  GA  30303 
Date Reported:  07/2006  09/2006  07/2006 
  Reported Reported Reported
Address: 123  Wyndham Ct    123  Wyndham Ct    123  Wyndham Ct   
  BIRMINGHAM  AL  35226  BIRMINGHAM  AL  35226  BIRMINGHAM  AL  35226 
Date Reported:  05/2005  06/2005  06/2005 

Employment Information

  Equifax Experian TransUnion
  Reported Not Reported Reported
Employer: ABC CORP   ABC CORP
Address:       
        
Date Reported:  02/2001    

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Account Information

Key
123 CREDIT CO 
  Equifax Experian TransUnion
 
Reported
Reported
Reported
Account Type: 
Revolving  Revolving  Revolving 
Account Number: 
533696884221XXXX 533696884221XXXX 533696884221XXXX
Payment Responsibility: 
Individual  Individual  Individual 
Date Opened: 
02/2001  02/2001  02/2001 
Balance Date: 
06/2006  06/2006  06/2006 
Balance Amount: 
$0  $0  $0 
Monthly Payment: 
        
High/Limit: 
$3,200  $3,200  $3,200 
Account Status: 
As Agreed  As Agreed  As Agreed 
Past Due Amount: 
$0   $0   $0  
Comments: 
ACCOUNT PAID ACCOUNT CLOSED BY CONSUMER   ACCOUNT PAID SATISFACTORILY ACCOUNT CLOSED BY CONSUMER   ACCOUNT CLOSED BY CONSUMER  


123 CREDIT CO

123 Allyson Rd
Tucson, AZ 19019
(215) 555-8863

24-Month Payment History
No 24-Month Payment Data available for display.
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due: 0  0  0 
60 Days Past Due: 0  0  0 
90 Days Past Due: 0  0  0 

123 LENDING CO 
  Equifax Experian TransUnion
 
Reported
Reported
Not Reported
Account Type: 
Installment  Installment   
Account Number: 
8433XXXX 8433XXXX  
Payment Responsibility: 
Individual  Individual    
Date Opened: 
10/1997  10/1997    
Balance Date: 
02/2003  02/2003    
Balance Amount: 
$0  $0    
Monthly Payment: 
$0  $0    
High/Limit: 
$1,000  $1,000    
Account Status: 
As Agreed  As Agreed    
Past Due Amount: 
$0   $0    
Comments: 
ACCOUNT PAID STUDENT LOAN   ACCOUNT PAID/ZERO BALANCE     


123 LENDING CO

123 Tilly Mill Rd
Atlanta, GA 30339
(770) 555-5578

24-Month Payment History
No 24-Month Payment Data available for display.
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due: 0  0   
60 Days Past Due: 0  0   
90 Days Past Due: 0  0   

123 Mortgage Company 
  Equifax Experian TransUnion
 
Reported
Reported
Reported
Account Type: 
Mortgage  Mortgage  Mortgage 
Account Number: 
642889XXXX 642889XXXX 642889XXXX
Payment Responsibility: 
Joint Contractual Liability  Joint Contractual Liability  Joint Contractual Liability 
Date Opened: 
12/2003  12/2003  12/2003 
Balance Date: 
02/2007  02/2007  02/2007 
Balance Amount: 
$210,075  $210,075  $210,075 
Monthly Payment: 
$1,475  $1,475  $1,475 
High/Limit: 
$225,000  $225,000  $225,000 
Account Status: 
As Agreed  As Agreed  As Agreed 
Past Due Amount: 
$0   $0   $0  
Comments: 
FREDDIE MAC ACCOUNT   CURRENT ACCOUNT    


123 Mortgage Company

123 Sumter Rd
Albany, NY 12201
(518) 555-8843

24-Month Payment History
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due: 0  0  0 
60 Days Past Due: 0  0  0 
90 Days Past Due: 0  0  0 

321 CREDIT CARDS 
  Equifax Experian TransUnion
 
Reported
Not Reported
Reported
Account Type: 
Revolving    Revolving 
Account Number: 
633248821113XXXX   633248821113XXXX
Payment Responsibility: 
Individual     Individual 
Date Opened: 
03/2003     03/2003 
Balance Date: 
05/2004     05/2004 
Balance Amount: 
$0     $0 
Monthly Payment: 
        
High/Limit: 
$4,000     $427 
Account Status: 
As Agreed     As Agreed 
Past Due Amount: 
$0     $0  
Comments: 
ACCOUNT CLOSED AT CONSUMER'S REQUEST ACCOUNT PAID      ACCOUNT CLOSED AT CONSUMER'S REQUEST ACCOUNT PAID  


321 CREDIT CARDS

123 Vance Dr
Peoria, IL 61601
(309) 555-9968

24-Month Payment History
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due: 0    0 
60 Days Past Due: 0    0 
90 Days Past Due: 0    0 

ABC BANKCARD 
  Equifax Experian TransUnion
 
Reported
Reported
Reported
Account Type: 
Revolving  Revolving  Revolving 
Account Number: 
433298986100XXXX 433298986100XXXX 433298986100XXXX
Payment Responsibility: 
Individual  Individual  Individual 
Date Opened: 
12/1998  12/1998  12/1998 
Balance Date: 
01/2007  01/2007  01/2007 
Balance Amount: 
$0  $0  $0 
Monthly Payment: 
        
High/Limit: 
$8,800  $8,800  $8,800 
Account Status: 
As Agreed  As Agreed  As Agreed 
Past Due Amount: 
$0   $0   $0  
Comments: 
CREDIT CARD AMT IN HIGH CREDIT IS CREDIT LIMIT   CURRENT ACCOUNT    


ABC BANKCARD

PO Box 123
Oklahoma City, OK 73101
(405) 555-8100

24-Month Payment History
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due: 0  0  0 
60 Days Past Due: 0  0  0 
90 Days Past Due: 0  0  0 

ABC CREDIT CARDS 
  Equifax Experian TransUnion
 
Reported
Reported
Reported
Account Type: 
Revolving  Revolving  Revolving 
Account Number: 
422366351233XXXX 422366351233XXXX 422366351233XXXX
Payment Responsibility: 
Individual  Individual  Individual 
Date Opened: 
03/2003  03/2003  03/2003 
Balance Date: 
01/2007  01/2007  01/2007 
Balance Amount: 
$0  $0  $0 
Monthly Payment: 
$0  $0  $0 
High/Limit: 
$4,600  $4,600  $4,600 
Account Status: 
As Agreed  As Agreed  As Agreed 
Past Due Amount: 
$0   $0   $0  
Comments: 
CREDIT CARD   CURRENT ACCOUNT    


ABC CREDIT CARDS

123 W 43rd St
Baltimore, MD 21075
(410) 555-0075

24-Month Payment History
No 24-Month Payment Data available for display.
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due: 0  0  0 
60 Days Past Due: 0  0  0 
90 Days Past Due: 0  0  0 

ABC HOME EQUITY 
  Equifax Experian TransUnion
 
Reported
Reported
Reported
Account Type: 
Revolving  Revolving  Mortgage 
Account Number: 
745XXXX 745XXXX 745XXXX
Payment Responsibility: 
Joint Contractual Liability  Joint Contractual Liability  Joint Contractual Liability 
Date Opened: 
12/2003  12/2003  12/2003 
Balance Date: 
01/2007  01/2007  01/2007 
Balance Amount: 
$43,358  $43,358  $43,358 
Monthly Payment: 
$350  $350  $350 
High/Limit: 
$56,250  $56,250  $56,250 
Account Status: 
As Agreed  As Agreed  As Agreed 
Past Due Amount: 
$0   $0   $0  
Comments: 
HOME EQUITY LOAN LINE OF CREDIT   CURRENT ACCOUNT    


ABC HOME EQUITY

123 Homewood Blvd
Catskill, NY 12414
(518) 555-3367

24-Month Payment History
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due: 0  0  0 
60 Days Past Due: 0  0  0 
90 Days Past Due: 0  0  0 

ABC Lending Co 
  Equifax Experian TransUnion
 
Reported
Reported
Reported
Account Type: 
Installment  Installment  Installment 
Account Number: 
422XXXX 422XXXX 422XXXX
Payment Responsibility: 
Joint Contractual Liability  Joint Contractual Liability  Joint Contractual Liability 
Date Opened: 
09/2003  09/2003  09/2003 
Balance Date: 
04/2006  04/2006  04/2006 
Balance Amount: 
$0  $0  $0 
Monthly Payment: 
$0  $0  $0 
High/Limit: 
$12,000  $12,000  $12,000 
Account Status: 
As Agreed  As Agreed  As Agreed 
Past Due Amount: 
$0   $0   $0  
Comments: 
ACCOUNT PAID AUTO   ACCOUNT PAID SATISFACTORILY   CLOSED  


ABC Lending Co

123 Millbrook Ave
Birmingham, AL 35201
(205) 555-5252

24-Month Payment History
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due: 0  0  0 
60 Days Past Due: 0  0  0 
90 Days Past Due: 0  0  0 

ABC STUDENT LOANS 
  Equifax Experian TransUnion
 
Not Reported
Not Reported
Reported
Account Type: 
    Installment 
Account Number: 
    613249983XXXX
Payment Responsibility: 
      Individual 
Date Opened: 
      08/1997 
Balance Date: 
      01/2004 
Balance Amount: 
      $0 
Monthly Payment: 
        
High/Limit: 
      $3,875 
Account Status: 
      Not Rated 
Past Due Amount: 
    $0  
Comments: 
      CLOSED  


ABC STUDENT LOANS

8199 Euford Ave
Oakland, CA 94601
(510) 555-9999

24-Month Payment History
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due:     0 
60 Days Past Due:     0 
90 Days Past Due:     0 

XYZ BANKCARD 
  Equifax Experian TransUnion
 
Reported
Reported
Reported
Account Type: 
Revolving  Revolving  Revolving 
Account Number: 
487366480316XXXX 487366480316XXXX 487366480316XXXX
Payment Responsibility: 
Individual  Individual  Individual 
Date Opened: 
08/2001  08/2001  08/2001 
Balance Date: 
01/2007  01/2007  01/2007 
Balance Amount: 
$287  $287  $287 
Monthly Payment: 
        
High/Limit: 
$8,000  $8,000  $8,000 
Account Status: 
90DaysPastDue  90DaysPastDue  90DaysPastDue 
Past Due Amount: 
$287   $287   $287  
Comments: 
     


XYZ BANKCARD

123 Riverside Ave
Tucson, AZ 85701
(520) 555-1244

24-Month Payment History
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due: 1  1  1 
60 Days Past Due: 1  1  1 
90 Days Past Due: 1  1  1 

XYZ CREDIT CO 
  Equifax Experian TransUnion
 
Reported
Reported
Reported
Account Type: 
Revolving  Revolving  Revolving 
Account Number: 
633248821113XXXX 633248821113XXXX 633248821113XXXX
Payment Responsibility: 
Individual  Individual  Individual 
Date Opened: 
03/2004  03/2004  03/2004 
Balance Date: 
01/2007  01/2007  01/2007 
Balance Amount: 
$0  $0  $0 
Monthly Payment: 
        
High/Limit: 
$2,000  $2,000  $2,000 
Account Status: 
As Agreed  As Agreed  As Agreed 
Past Due Amount: 
$0   $0   $0  
Comments: 
CREDIT CARD AMT IN HIGH CREDIT IS CREDIT LIMIT   CURRENT ACCOUNT    


XYZ CREDIT CO

123 Lawrence Village
Oklahoma City, OK 73103
(800) 555-8100

24-Month Payment History
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due: 0  0  0 
60 Days Past Due: 0  0  0 
90 Days Past Due: 0  0  0 

XYZ INSTALLMENT LOANS 
  Equifax Experian TransUnion
 
Reported
Reported
Reported
Account Type: 
Installment  Installment  Installment 
Account Number: 
33699568XXXX 33699568XXXX 33699568XXXX
Payment Responsibility: 
Individual  Individual  Individual 
Date Opened: 
04/2006  04/2006  04/2006 
Balance Date: 
01/2007  01/2007  01/2007 
Balance Amount: 
$17,087  $17,087  $17,087 
Monthly Payment: 
$377  $377  $377 
High/Limit: 
$19,843  $19,843  $19,843 
Account Status: 
As Agreed  As Agreed  As Agreed 
Past Due Amount: 
$0   $0   $0  
Comments: 
AUTO   CURRENT ACCOUNT    


XYZ INSTALLMENT LOANS

123 Kendall Rd
Birmingham, AL 35204
(205) 555-3345

24-Month Payment History
Seven-Year Payment History
  Equifax Experian TransUnion
30 Days Past Due: 0  0  0 
60 Days Past Due: 0  0  0 
90 Days Past Due: 0  0  0 

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Inquiries

Equifax

Name of Company Date of Inquiry Type of Business
ABC LENDING CO 04/06/06 Finance
123 UTILITY 04/05/06 Utilities And Fuel
321 LOANS 02/21/05 Finance
XYZ CREDIT 01/29/07 Miscellaneous And Public Record

Experian

Name of Company Date of Inquiry Type of Business
789 MOBILE 02/19/06 Utilities And Fuel

TransUnion

Name of Company Date of Inquiry Type of Business
XYZ INSTALLMENT LOANS 04/08/06 Finance
AAA MORTGAGE 11/10/05 Finance

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Collections

  Equifax Experian TransUnion
 
Reported
Reported
Reported
Collector:  321 INSTALLMENT LOANS 321 INSTALLMENT LOANS 321 INSTALLMENT LOANS
Account Number:  25XXXX 25XXXX 25XXXX
Date Opened:       
Balance Date:  10/2006 10/2006 10/2006
Balance Amount:  $35 $35 $35
Date of Status:  10/2006 10/2006 10/2006
Status:  Unpaid Unpaid Unpaid


321 INSTALLMENT LOANS

7754 W 84th St

Chicago, IL 60601
(770) 740-7400


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Public Records

Equifax

Court Plaintiff Docket
Number		 Filing
Date		 Balance
Amount		 Account
Status		 Type
12- County Court of AL      09/2001  $240,562     TaxLienFederal 
33- Anycity Court House      05/2001  $1,500     TaxLienFederal 

Experian

Court Plaintiff Docket
Number		 Filing
Date		 Balance
Amount		 Account
Status		 Type
33- Anycity Court House      05/2001  $1,500     TaxLienFederal 

TransUnion

You have no Public Records on file.

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Consumer Statement

Equifax

CONSUMER STATEMENT: FRAUD VICTIM. "INITIAL ALERT". CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME (206) 555-5555 EVENING (206) 555-6666

Experian

CONSUMER STATEMENT: ALERT:(06) Extended Fraud Victim Alert (with phone number): FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME USING CORRECT PERSONAL INFORMATION. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICANT INFORMATION AT DAY ____________ OR EVENING 206-555-5555. THIS VICTIM STATEMENT WILL BE MAINTAINED FOR 7 YEARS FROM 12/14/02.

TransUnion

CONSUMER STATEMENT: INITIAL FRAUD ALERT: #HK#IFCRA-INITIAL FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO INITIAL FRAUD ALERT: UNT. CONTACT CONSUMER AT (206) 555-55555 SUBJECT A VICTIM OF TRUE-NAME FRAUD:

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Dispute File Information

The 3-in-1 Credit Report provides a valuable comparative review of your credit report based on information from the three major credit reporting agencies. As you review your 3-in-1 Credit Report, you may find potential inaccuracies in the information provided by one or all of the credit reporting agencies. The information below outlines how you may dispute the information with the appropriate credit reporting company using your 3-in-1 Credit Report.

Equifax

Online

You may initiate a dispute online for the following information:

  • Credit Accounts
  • Former address information may only be deleted as requested
  • Collection Accounts
  • Judgments
  • Liens
  • Garnishments
  • Bankruptcies

You will need your Confirmation Number:7585308936
Go to http://www.myequifax.equifax.com/dispute to begin an online investigation of information found in your file.

By Mail

Write to EQUIFAX INFORMATION SERVICES LLC at P O BOX 740256,ATLANTA,GA-30374

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.

You will need your Confirmation Number: 7585308936


Different states have different Disclosure requirements when delivering credit information. Please also see Federal Disclosure requirements.

By Phone

To launch an investigation, please call EQUIFAX INFORMATION SERVICES LLC at 1-XXX-XXX-XXXX .

Experian

Online

Go to http://www.experian.com/rs/equifaxinvestigations.html to begin an online investigation of information found in your file. No confirmation number is required.

TransUnion

Online

Go to http://www.transunion.com/equifax/investigate to begin an online investigation of information found in your file. No confirmation number is required.

By Mail

Write to TransUnion at P.O. Box 2000, Chester, PA 19022. No confirmation number is required.

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