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We completed any items you disputed with the sources of the information and processed any other requests you made.
The following shows the revision(s) made to your file as a result of our investigation.
If you still question an item, then you may want to contact the source of the information personally.
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| How to read your results |
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Deleted - This item was removed from your credit report
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Remains - This item has been verified as accurate
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Updated
- A change was made to this item; review this report to view the
change. If ownership of the item was disputed, then it was verified as
belonging to you. |
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Reviewed - This item was either updated or deleted; review this report to learn its outcome
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Credit Items
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SELECT CARD/5TH/3RD BA
Account Number: 442767044201....
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Outcome: Updated
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Potentially Negative Items or items for further review
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This information is generally removed seven years from the initial missed payment that led to the
delinquency. Missed payments and most public record items may remain on the credit report for up to
seven years, except Chapters 7, 11 and 12 bankruptcies and unpaid tax liens, which may remain for up to
10 years. A paid tax lien may remain for up to seven years.
Transferred accounts that have not been past due remain up to 10 years after the date the account
was transferred.
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Credit Items
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SELECT CARD/5TH/3RD BANK
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Address:
5050 KINGSLEY DR # MD1MOC2G
CINCINNATI, OH 45227
No phone number available
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Account Number:
442767044201....
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Address Identification Number:
0115849399
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Status:
Account charged off. $3,105 written off. $1,358 past due as of Nov 2009.
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Status Details:
This account is scheduled to continue on record until Nov 2014.
This item was verified and updated on Dec 2009.
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Date Opened:
05/2005
Reported Since:
08/2005
Date of Status:
09/2008
Last Reported:
11/2009
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Type:
Revolving
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual
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Credit Limit/Original Amount:
$3,000
High Balance:
$1,753
Recent Balance:
$3,105
Recent Payment:
$0
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Account History:
Charge Off as of Sep 2008 to Nov 2009
150 days past due as of Aug 2008
120 days past due as of Jul 2008
90 days past due as of Jun 2008
60 days past due as of May 2008, Dec 2007
30 days past due as of Apr 2008, Nov 2007
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Balance History:
10/2009 $3,105
09/2009 $3,105
08/2009 $3,105
07/2009 $3,105
06/2009 $3,105
05/2009 $3,105
04/2009 $3,105
03/2009 $3,105
02/2009 $3,105
01/2009 $3,105
12/2008 $3,105
11/2008 $3,105
10/2008 $3,105
09/2008 $3,105
08/2008 $3,105
07/2008 $3,105
06/2008 $3,105
05/2008 $3,105
04/2008 $3,050
03/2008 $2,992
02/2008 $2,937
01/2008 $2,971
12/2007 $3,190
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Limit High Balance History:
Between Dec 2007 and Oct 2009, your credit limit/high balance was $3,000
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| SELECT CARD/5TH/3RD BANK |
| 442767044201.... |
IF
FRAUDULENT CHARGES WERE MADE ON YOUR ACCOUNT, THE CREDIT GRANTOR MAY
NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER. THE CREDIT GRANTOR
REQUESTS THAT YOU CONTACT THEM DIRECTLY-
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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 in your report, but in
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. |
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Experian
1 800 493 1058
Monday - Friday, 9 am to 5 pm in your time zone
PO Box 9556
Allen, TX 75013
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| FCRA Rights |
Para informacion en espaņol, visite www.ftc.gov/credit o escribe a la FTC Consumer Response 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 www.ftc.gov/credit
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 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 identify 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.
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.ftc.gov/credit for additional information.
- You have the right to ask for a credit score.
Credit scores are numerical summaries of your credit-worthiness based
on information from credit bureaus. You may request a credit score from
consumer reporting agencies that create scores or distribute scores
used in residential real property loans, but you will have to pay for
it. In some mortgage transactions, you will receive credit score
information for free from the mortgage lender.
- You have the right to dispute incomplete or inaccurate information.
If you identify information in your file that is incomplete or
inaccurate, and report it to the consumer reporting agency, the agency
must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures.
- Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
Inaccurate, incomplete or unverifiable information must be removed or
corrected, usually within 30 days. However, a consumer reporting agency
may continue to report information it has verified as accurate.
- Consumer reporting agencies may not report outdated negative information.
In most cases, a consumer reporting agency may not report negative
information that is more than seven years old, or bankruptcies that are
more than 10 years old.
- Access to your file is limited.
A consumer reporting agency may provide information about you only to
people with a valid need -- usually to consider an application with a
creditor, insurer, employer, landlord, or other business. The FCRA
specifies those with a valid need for access.
- You must give your consent for reports to be provided to employers.
A consumer reporting agency may not give out information about you to
your employer, or a potential employer, without your written consent
given to the employer. Written consent generally is not required in the
trucking industry. For more information, go to www.ftc.gov/credit.
- 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.ftc.gov/credit.
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: |
Contact: |
| Consumer reporting agencies, creditors and others not listed below |
Federal Trade Commission:
Consumer Response Center - FCRA
Washington, DC 20580 1 877 382 4357 |
| National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) |
Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050 |
| Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) |
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480 |
| Savings associations and federally chartered savings
banks (word "Federal" or initials "F.S.B."
appear in federal institution's name) |
Office of Thrift Supervision
Consumer Complaints
Washington, DC 20552 1 800 842 6929 |
| Federal credit unions (words "Federal Credit
Union" appear in institution's name) |
National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314 1 703 519 4600 |
| State-chartered banks that are not members of the Federal Reserve System |
Federal Deposit Insurance Corporation
Consumer Response Center
2345 Grand Avenue, Suite 100
Kansas City, Missouri 64108-2638 1 877 275 3342 |
| Air, surface, or rail common carriers regulated by former
Civil Aeronautics Board or Interstate Commerce Commission |
Department of Transportation
Office of Financial Management
Washington, DC 20590 1 202 366 1306 |
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Activities subject to the Packers and Stockyards Act, 1921 |
Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250 1 202 720 7051
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