Experian - Investigation Results

Report Number:
0785-3259-14
Online Credit Report from Experian for:
MOMODOU BAH

Report date: December 29, 2009

Summary of Results
Details of Investigation Results
Important Message from Experian
Know your rights

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.

Results

How to read your results

• Deleted - This item was removed from your credit report

• Remains - This item has been verified as accurate

• 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.

• Reviewed - This item was either updated or deleted; review this report to learn its outcome

Credit Items
SELECT CARD/5TH/3RD BA Account Number: 442767044200....	Outcome: Updated

Details Of Investigation Results

Potentially Negative Items or items for further review



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.

Credit Items

SELECT CARD/5TH/3RD BANK

Address:
5050 KINGSLEY DR # MD1MOC2G
CINCINNATI, OH 45227
No phone number available

Account Number:
442767044200....

Address Identification Number:
0115849399

Status:
Account charged off. $1,082 written off. $567 past due as of Nov 2009.

Status Details:
This account is scheduled to continue on record until Nov 2014.
This item was verified and updated on Dec 2009.

Date Opened:
08/2003
Reported Since:
08/2005
Date of Status:
09/2008
Last Reported:
11/2009

Type:
Revolving
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit/Original Amount:
$1,000
High Balance:
$1,130
Recent Balance:
$1,082
Recent Payment:
$0

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, Dec 2007
60 days past due as of May 2008, Nov 2007
30 days past due as of Apr 2008, Oct 2007

Balance History:
10/2009 $1,082
09/2009 $1,082
08/2009 $1,082
07/2009 $1,082
06/2009 $1,082
05/2009 $1,082
04/2009 $1,082
03/2009 $1,082
02/2009 $1,082
01/2009 $1,082
12/2008 $1,082
11/2008 $1,082
10/2008 $1,082
09/2008 $1,082
08/2008 $1,082
07/2008 $1,082
06/2008 $1,082
05/2008 $1,082
04/2008 $1,039
03/2008 $996
02/2008 $953
01/2008 $959
12/2007 $1,130

Limit High Balance History:
Between Dec 2007 and Oct 2009, your credit limit/high balance was $1,000

SELECT CARD/5TH/3RD BANK

Address:
5050 KINGSLEY DR # MD1MOC2G
CINCINNATI, OH 45227
No phone number available

Account Number:
442767044201....

Address Identification Number:
0115849399

Status:
Account charged off. $3,105 written off. $1,358 past due as of Nov 2009.

Status Details:
This account is scheduled to continue on record until Nov 2014.
This item was verified and updated on Dec 2009.

Date Opened:
05/2005
Reported Since:
08/2005
Date of Status:
09/2008
Last Reported:
11/2009

Type:
Revolving
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit/Original Amount:
$3,000
High Balance:
$1,753
Recent Balance:
$3,105
Recent Payment:
$0

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

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

Limit High Balance History:
Between Dec 2007 and Oct 2009, your credit limit/high balance was $3,000

Accounts in good standing



These items may stay on your credit report for as long as they are open. Once an account is closed or paid off it may continue to appear on your report for up to ten years.

Credit Items

PUBLIC SAVINGS BANK

Address:
2755 PHILMONT AVE
HUNTINGDON VALLEY, PA 19006
No phone number available

Account Number:
462192009101....

Address Identification Number:
0115845537

Status:
Open/Never late.

Date Opened:
07/2009
Reported Since:
08/2009
Date of Status:
12/2009
Last Reported:
12/2009

Type:
Revolving
Terms:
NA
Monthly Payment:
$10
Responsibility:
Individual

Credit Limit/Original Amount:
$300
High Balance:
$38
Recent Balance:
$0
Recent Payment:
$19

Balance History:
11/2009 $0
10/2009 $0
09/2009 $38
08/2009 $28

Limit High Balance History:
Between Aug 2009 and Nov 2009, your credit limit/high balance was $300

Record of requests for your credit history

Inquiries shared with others

We make your credit history available to your current and prospective creditors and employers as allowed by law. Experian may list these inquiries for up to two years so that you will have a record of the companies that accessed your credit information.

The section below lists all of the companies that have reviewed your credit history as a result of action you took, such as applying for credit or financing or as a result of a collection. The inquiries in this section are shared with companies that view your credit history.

WELLS FARGO BANK

Address:
PO BOX 5445
PORTLAND, OR 97228
(877) 778-5697

Date of Request:
08/02/2009

Address Identification Number:
0115845537

Comments:
Permissible purpose. This inquiry is scheduled to continue on record until Sep 2011.

WELLS FARGO BANK

Address:
PO BOX 5445
PORTLAND, OR 97228
(877) 778-5697

Date of Request:
07/10/2009

Address Identification Number:
0115845537

Comments:
Permissible purpose. This inquiry is scheduled to continue on record until Aug 2011.

WELLS FARGO BANK

Address:
PO BOX 5445
PORTLAND, OR 97228
(877) 778-5697

Date of Request:
07/10/2009

Address Identification Number:
0115845537

Comments:
Permissible purpose. This inquiry is scheduled to continue on record until Aug 2011.

WELLS FARGO BANK

Address:
PO BOX 5445
PORTLAND, OR 97228
(877) 778-5697

Date of Request:
01/12/2008

Address Identification Number:
0115849399

Comments:
Permissible purpose. This inquiry is scheduled to continue on record until Feb 2010.

Inquiries shared only with you

You may not have initiated the following inquiries, so you may not recognize each source. We report these requests to you only as a record of activities, and we do not include any of these requests on credit reports to others.

We offer credit information about you to those with a permissible purpose, for example to:

other creditors who want to offer you preapproved credit;
an employer who wishes to extend an offer of employment;
a potential investor in assessing the risk of a current obligation;
Experian Consumer Assistance to process a report for you;
your current creditors to monitor your accounts (date listed may reflect only the most recent request);
a static copy of your credit report provided to a subsequent user necessary to complete your mortgage loan application.

These inquiries do not affect your credit score.

EXPERIAN

Address:
PO BOX 9600
ALLEN, TX 75013
No phone number available

Date of Request:
12/11/2009 , 12/11/2009 , 12/11/2009 , 08/28/2005

Comments:

EXPERIAN

Address:
PO BOX 2002
ALLEN, TX 75013
No phone number available

Date of Request:
12/10/2009

Comments:

CIC/AFFINION

Address:
18500 VON KARMAN AVE STE 900
IRVINE, CA 92612
No phone number available

Date of Request:
08/20/2009

Comments:

CONSUMERINFO.COM INC

Address:
PO BOX 19729
IRVINE, CA 92623
No phone number available

Date of Request:
08/20/2009

Comments:

FAC/PRIVACY GUARD

Address:
12395 FIRST AMERICAN WAY
POWAY, CA 92064
No phone number available

Date of Request:
08/12/2009 , 08/05/2009

Comments:

FAC/PRIVACY GUARD

Address:

,
No phone number available

Date of Request:
08/05/2009

Comments:

FAC/CREDITREPORT.COM AS3

Address:
12395 FIRST AMERICAN WAY
POWAY, CA 92064
No phone number available

Date of Request:
06/29/2009

Comments:

WELLS FARGO BANK

Address:
700 VISTA DRIVE
WEST DES MOINES, IA 50266
No phone number available

Date of Request:
01/12/2008

Comments:

CAP ONE

Address:
PO BOX 30281
SALT LAKE CITY, UT 84130
No phone number available

Date of Request:
12/19/2007 , 12/12/2007

Comments:

FIRST USA

Address:
800 BROOKSEDGE BLVD
WESTERVILLE, OH 43081
(800) 955-9900

Date of Request:
12/13/2007 , 12/03/2007

Comments:

FIRST USA

Address:

,
No phone number available

Date of Request:
12/03/2007

Comments:

Personal Information



The following information is reported to us by you, your creditors and other sources. Each source may report your personal info differently, which may result in variations of your name, address, Social Security number, etc. As part of our fraud prevention efforts, a notice with additional information may appear. As a security precaution, we did not list the Social Security number that you provided when you contacted us. The names are listed in no particular order and may include variations of your legal name. The Name identification number is how our system identifies the names associated with respective accounts on your credit report. These addresses are listed in no particular order and may include previous addresses where you received mail. The Address identification number is how our system identifies the address. The Geographical Code shown with each address identifies the state, county, census tract, block group and Metropolitan Statistical Area associated with each address.

Names:

MOMODOU KABA BAH

Name identification number:3306

MOMODOU K BAH

Name identification number:26589

MOMODOU BAH

Name identification number:25699

KABA BAH

Name identification number:21907

MOMODOU BAHZ

Name identification number:14623

Social Security number variations:

Date of birth:

01/31/1976

Employers:

UW MADISON

Telephone numbers:

(757) 319-9929

(757) 369-2934

(757) 660-2497

Address:

317 VILLAGE GREEN W LN
MADISON, WI 53704-3271

Address identification number:

0115849373

Type of Residence:

Single family

Geographical code:

0-260210-25-4720

Address:

514 IRONWOOD DR
YORKTOWN, VA 23693-5568

Address identification number:

0221283580

Type of Residence:

Single family

Geographical code:

0-5030130-199-5720

Address:

161 STRAWBERRY BANKS BLVD
HAMPTON, VA 23668-0001

Address identification number:

0541971169

Type of Residence:

Single family

Geographical code:

0-00- 0-

Address:

23 W TYLER ST
HAMPTON, VA 23669-5408

Address identification number:

0047792616

Type of Residence:

Single family

Geographical code:

0-1140010-650-5720

Address:

3803 HANOVER ST
MADISON, WI 53704-2005

Address identification number:

0115845537

Type of Residence:

Single family

Geographical code:

0-240220-25-4720

Address:

3803 HANOVER HANOVER ST
MADISON, WI 53704-

Address identification number:

0713433697

Type of Residence:

Single family

Geographical code:

0-00- 0-

Address:

4605 HAYES RD APT6
MADISON, WI 53704-3276

Address identification number:

0115849399

Type of Residence:

Apartment complex

Geographical code:

0-260210-25-4720

Address:

44 BOOKER ST
HAMPTON, VA 23663-2227

Address identification number:

0047710753

Type of Residence:

Single family

Geographical code:

0-1090010-650-5720

Address:

720 CHERRY ST
OSHKOSH, WI 54901-4477

Address identification number:

0124914632

Type of Residence:

Multifamily

Geographical code:

0-70020-139-0460

Address:

68 GREEN ST
WATERTOWN, MA 02472-2354

Address identification number:

0003479862

Type of Residence:

Single family

Geographical code:

0-37010240-17-1120

Address:

720 CHERRY ST APT6
OSHKOSH, WI 54901-4394

Address identification number:

0124914098

Type of Residence:

Apartment complex

Geographical code:

0-70020-139-0460

Address:

727 W LINCOLN AVE #418
OSHKOSH, WI 54901-4349

Address identification number:

0220636467

Type of Residence:

Single family

Geographical code:

0-70020-139-0460

Address:

4605 HAYES RD
MADISON, WI 53704-7733

Address identification number:

0115864274

Type of Residence:

Multifamily

Geographical code:

0-260210-25-4720

Address:

723 W LINCOLN AVE RM410
OSHKOSH, WI 54901-4349

Address identification number:

0408950670

Type of Residence:

Single family

Geographical code:

0-70020-139-0460

Address:

1500 COLLEGE W AVE
LADYSMITH, WI 54848-2128

Address identification number:

0124826815

Type of Residence:

Single family

Geographical code:

0-96050040-107-

Your Personal Statement(s)

ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT 757-319-9929. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING 12-22-09.

Important Message From Experian

SELECT CARD/5TH/3RD BANK

442767044200....

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-

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.

Contacting Us

Experian
1 800 493 1058
Monday - Friday, 9 am to 5 pm in your time zone
PO Box 9556
Allen, TX 75013

Know your rights

FCRA Rights

Para informacion en español, 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.

www.ftc.gov/credit

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
Activities subject to the Packers and Stockyards Act, 1921	Department of Agriculture Office of Deputy Administrator - GIPSA Washington, DC 20250 1 202 720 7051

States Rights