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B o A - podaci.. ima nekog iz makedonije ovdje ?

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wizardofOZ
wizard consulting services ltd.

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icon B o A - podaci.. ima nekog iz makedonije ovdje ?28.02.2013. u 01:01 - pre 135 meseci
http://par-anoia.net/releases2013.html#bofa

http://par-anoia.net/assessment/us/bofa/keywords.txt

Ima nekog iz makedonije ovdje da mi objasnio zasto se u kljucnim rjecima toliko spominje makedonija ?

primjer:


Macedonian Radio-Television Republic of Macedonia
Macedonian Parliament Republic of Macedonia
Macedonian Orthodox Church Republic of Macedonia
Macedonian nationalism Republic of Macedonia
Macedonian national basketball team Republic of Macedonia
Macedonian Muslims Republic of Macedonia
Macedonian Mafia Russian mafia
Macedonian literature Republic of Macedonia
Macedonian language Republic of Macedonia
Macedonian Greek Catholic Church Republic of Macedonia
Macedonian denar Republic of Macedonia
Macedonian cuisine Republic of Macedonia
Macedonian Bulgarians Republic of Macedonia
Macedonian Army ranks Republic of Macedonia
Macedonian Air Force Republic of Macedonia
Macedonia Salutaris Republic of Macedonia
Macedonia national football team Republic of Macedonia


to je samo dio..ima puno vise toga u dokumentu
 
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Dexic
ASP

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icon Re: B o A - podaci.. ima nekog iz makedonije ovdje ?28.02.2013. u 03:22 - pre 135 meseci
Google->SEO
 
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wizardofOZ
wizard consulting services ltd.

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icon Re: B o A - podaci.. ima nekog iz makedonije ovdje ?28.02.2013. u 19:50 - pre 135 meseci
Jesam.. razumijem sto je to...

Svejedno se spominje makedonija puno ucestalije nego neke druge rijeci..


jos infomacija

http://www.cyberwarzone.com/br...-and-software-leaked-anonymous

[Ovu poruku je menjao wizardofOZ dana 28.02.2013. u 21:22 GMT+1]

[Ovu poruku je menjao wizardofOZ dana 28.02.2013. u 21:22 GMT+1]
 
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wizardofOZ
wizard consulting services ltd.

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icon Re: B o A - podaci.. ima nekog iz makedonije ovdje ?12.03.2013. u 02:34 - pre 135 meseci
jos

Hackers release financial records for vice president, attorney general, FBI director and others

http://rt.com/usa/hackers-pres...l-fbi-director-and-others-120/

Podaci su na netu..ako netko zanima

beyonce




Welcome, Beyonce Knowles Help
Your Credit Report
Credit Report
Score
Your Rights
Initiate a Dispute
Personal Credit Report

BEYONCE G. KNOWLES
Source: TransUnion


March 9, 2013

Display a printer friendly version


We recommend that you print this page. Closing this window will eject you from the free credit report request process and you will be unable to return for a year.


Found an inaccuracy? Click to learn about correcting
>>I want my FREE TransUnion Credit Score
* For your convenience we will use the data you supplied to us in the order process.

File Number: 332358540


You may see that TransUnion has enriched your credit report with additional personal and financial information not previously retained in our production database. This data can enable you and your creditors to see a more complete picture of how you have managed your credit over time.

-Begin Credit Report-


You have been on our files since 01/01/2003
SSN:636-24-0227Date of Birth:09/04/1981
Names Reported:BEYONCE G. KNOWLES
Addresses Reported:
Address Date Reported
2204 LOUISIANA ST 2, HOUSTON, TX 77002-8655 05/07/2007
20 FARNHAM PARK DR, HOUSTON, TX 77024-7501 01/05/2007
400 N ROXBURY DR, BEVERLY HILLS, CA 90210-5021 05/31/2011
1001 BRICKELL BAY DR 9TH, MIAMI, FL 33131-4900 01/31/2011
1411 BROADWAY 38, NEW YORK, NY 10018-3409 12/31/2010
1001 BRICKELL BAY DR 9, MIAMI, FL 33131-4937 12/10/2010
1 BEACON CT #44B, NEW YORK, NY 10022 12/31/2008
1505 HADLEY ST, HOUSTON, TX 77002-8927 08/17/2008
1 BEACON CT 44B, NEW YORK, NY 10022 06/30/2008
PO BOX 17089, SUGAR LAND, TX 77496-7089 02/01/2003
4775 COLLINS AVE 3301, MIAMI BEACH, FL 33140-3268

Telephone Numbers Reported:
(310) 553-1707(305) 377-9223(713) 982-7814(281) 433-1701



Typically, creditors report any changes made to your account information monthly. This means that some accounts listed below may not
reflect the most recent activity until the creditor's next reporting. This information may include things such as balances, payments, dates, remarks, ratings, etc. The key(s) below are provided to help you understand some of the account information that could be reported.
Rating Key
Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings in the key below describe the payments that may be reported by your creditors. Please note: Some but not all of these ratings may be present in your credit report.

Remarks Key
Additionally, some creditors may notate your account with comments each month. We refer to these creditor comments as 'Remarks'. The key below gives the descriptions of the abbreviated remarks contained in your credit file. Any remark containing brackets > < indicates that this remark is considered adverse.

CLO CLOSED PDI PRNCPL DEFRD/INTRST PYMT ONLY


Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< or shading to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled.

COMPASS MORTGAGE CORP #91569**
701 S 32ND ST
BIRMINGHAM, AL 35233(800) 239-1996
Date Opened:06/18/2008Responsibility:Joint AccountAccount Type:Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE MTG
Date Updated:12/31/2010Payment Received:$1,124,425 Pay Status:Current; Paid or Paying as AgreedTerms:$0 per month, paid Monthly for 360 monthsDate Closed:12/31/2010
>Maximum Delinquency of 30 days in 08/2008 and in 09/2008<
High Balance:
High balance of $1,155,000 from 09/2010 to 12/2010
Remarks:
CLOSED


12/2010
11/2010
10/2010
09/2010
08/2010
07/2010
06/2010
05/2010
04/2010
03/2010
Balance
$0
$1,119,212
$1,119,212
$1,123,159






Amount Due
$0
$7,167
$6,924
$6,924






Amount Paid
$1,124,425
$6,924
$6,924
$6,924






Past Due
$0
$0
$0
$0






Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


02/2010
01/2010
12/2009
11/2009
10/2009
09/2009
08/2009
07/2009
06/2009
05/2009
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


04/2009
03/2009
02/2009
01/2009
12/2008
11/2008
10/2008
09/2008
08/2008
07/2008
Rating
OK
OK
OK
OK
OK
OK
OK
30
30
OK


06/2008









Rating
OK











The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled.

AMERICAN EXPRESS #349991585903****
PO BOX 981537
EL PASO, TX 79998(800) 874-2717
Date Opened:06/25/2008Responsibility:Individual AccountAccount Type:Revolving Account
Loan Type: CREDIT CARD
Balance: $0Date Updated:08/17/2008Payment Received:$0High Balance:$0Credit Limit:$1,000 Pay Status:Current; Paid or Paying as AgreedDate Closed:08/02/2008
Remarks:
ACCOUNT CLOSED BY CONSUMER; CLOSED

CITY NATIONAL BANK #7273530****
831 DOUGLAS
STE 107
EL SEGUNDO, CA 90245(310) 297-8000
Date Opened:03/09/2009Responsibility:Individual AccountAccount Type:Installment Account
Loan Type: SECURED
Date Updated:08/31/2012Payment Received:$0Last Payment Made:09/04/2012 Pay Status:Current; Paid or Paying as AgreedTerms:$0 per month, paid Quarterly for 58 monthsDate Closed:08/31/2012
High Balance:
High balance of $3,000,000 from 09/2010 to 08/2012


08/2012
07/2012
06/2012
05/2012
04/2012
03/2012
02/2012
01/2012
12/2011
11/2011
Balance
$0
$24,257
$70,362
$70,362
$207,966
$277,103
$277,103
$401,968
$433,002
$433,002
Amount Due
$0
$0
$629
$0
$0
$1,159
$0
$0
$1,612
$0
Amount Paid
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Remarks
PDI
CLO
PDI
PDI
PDI
PDI
PDI
PDI
PDI
PDI
PDI
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


10/2011
09/2011
08/2011
07/2011
06/2011
05/2011
04/2011
03/2011
02/2011
01/2011
Balance
$577,610
$604,900
$604,900
$712,508
$746,100
$746,100
$914,312
$964,028
$964,028
$1,101,885
Amount Due
$0
$2,128
$0
$0
$2,776
$0
$0
$3,228
$0
$0
Amount Paid
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Past Due
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Remarks
PDI
PDI
PDI
PDI
PDI
PDI
PDI
PDI
PDI
PDI
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


12/2010
11/2010
10/2010
09/2010
08/2010
07/2010
06/2010
05/2010
04/2010
03/2010
Balance
$1,163,769
$1,163,769
$1,506,356
$1,506,356






Amount Due
$4,284
$0
$0
$5,249






Amount Paid
$0
$0
$0
$0






Past Due
$0
$0
$0
$0






Remarks
PDI
PDI
PDI
PDI






Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


02/2010
01/2010
12/2009
11/2009
10/2009
09/2009
08/2009
07/2009
06/2009
05/2009
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


04/2009
03/2009








Rating
OK
OK









COMPASS MORTGAGE CORP #8985****
701 S 32ND ST
BIRMINGHAM, AL 35233(800) 239-1996
Date Opened:12/05/2002Responsibility:Individual AccountAccount Type:Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE MTG
Balance: $0Date Updated:03/31/2006High Balance:$1,627,500 Pay Status:Current; Paid or Paying as AgreedTerms:$0 per month, paid Monthly for 120 monthsDate Closed:03/31/2006
Remarks:
CLOSED


02/2006
01/2006
12/2005
11/2005
10/2005
09/2005
08/2005
07/2005
06/2005
05/2005
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


04/2005
03/2005
02/2005
01/2005
12/2004
11/2004
10/2004
09/2004
08/2004
07/2004
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


06/2004
05/2004
04/2004
03/2004
02/2004
01/2004
12/2003
11/2003
10/2003
09/2003
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


08/2003
07/2003
06/2003
05/2003
04/2003
03/2003
02/2003
01/2003
12/2002

Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK


HSBC BANK #545198464961****
P O BOX 30253
SALT LAKE CITY, UT 84130-0253(800) 477-6000
Date Opened:12/23/2010Responsibility:Individual AccountAccount Type:Revolving Account
Loan Type: FLEXIBLE SPENDING CREDIT CARD
Date Updated:02/16/2013Payment Received:$0Last Payment Made:11/02/2012 Pay Status:Current; Paid or Paying as AgreedTerms:Paid MonthlyDate Paid:11/02/2012
Credit Limit:
Credit limit of $29,500 from 12/2010 to 04/2011; $29,500 from 06/2011 to 07/2012; $25,599 from 08/2012 to 09/2012; $31,716 from 10/2012 to 02/2013


02/2013
01/2013
12/2012
11/2012
10/2012
09/2012
08/2012
07/2012
06/2012
05/2012
Balance
$0
$0
$0
$0
$31,716
$4,503
$1,107
$2,636
$2,011
$0
Amount Due


$318
$318
$318
$46
$25
$27
$25
$0
Amount Paid
$0
$0
$0
$31,716
$4,503
$1,107
$2,636
$2,011
$0
$13,823
Past Due
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
High Balance
$31,716
$31,716
$31,716
$31,716
$31,716
$25,599
$25,599
$25,599
$25,599
$25,599
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


04/2012
03/2012
02/2012
01/2012
12/2011
11/2011
10/2011
09/2011
08/2011
07/2011
Balance
$13,823
$5,944
$1,337
$186
$5,204
$0
$1,372
$234
$23,775
$0
Amount Due
$139
$60
$25
$25
$53
$0
$25
$25
$238
$0
Amount Paid
$5,944
$1,337
$186
$5,204
$0
$1,372
$234
$10,640
$0
$12,306
Past Due
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
High Balance
$25,599
$25,599
$25,599
$25,599
$25,599
$25,599
$25,599
$25,599
$25,599
$12,306
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


06/2011
05/2011
04/2011
03/2011
02/2011
01/2011
12/2010



Balance
$12,306

$4,898
$2,749
$0
$0
$0



Amount Due
$124

$0
$28
$0
$0
$0



Amount Paid
$5,179

$2,749
$0
$0
$0
$0



Past Due
$0

$0
$0
$0
$0
$0



High Balance
$12,306

$4,898
$2,749
$0
$0
$0



Rating
OK
OK
OK
OK
OK
OK
OK




SELECT PORTFOLIO SVCG #277001223****
10401 DEERWOOD PARK BV
JACKSONVILLE, FL 32256(800) 258-8602
Date Opened:03/06/2006Responsibility:Individual AccountAccount Type:Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE MTG
Date Updated:12/22/2010Payment Received:$1,315,933Last Payment Made:12/01/2010 Pay Status:Current; Paid or Paying as AgreedTerms:$6,658 per month, paid Monthly for 360 monthsDate Closed:12/22/2010
High Balance:
High balance of $1,305,000 from 09/2010 to 12/2010
Remarks:
CLOSED


12/2010
11/2010
10/2010
09/2010






Balance
$0
$1,304,326
$1,304,326
$1,304,326






Amount Due
$6,658
$6,658
$6,658
$6,658






Amount Paid
$1,315,933
$6,657
$13,315
$0






Past Due
$0
$0
$0
$0






Rating
OK
OK
OK
OK







THORNBURG MORTGAGE #300001879****
425 PHILLIPS BLVD
TRENTON, NJ 08618-1430(609) 883-3900
Date Opened:03/06/2006Responsibility:Individual AccountAccount Type:Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE MTG
Balance: $0Date Updated:06/01/2010Payment Received:$6,850Last Payment Made:05/11/2010High Balance:$1,305,000 Pay Status:Current; Paid or Paying as AgreedTerms:$6,658 per month, paid Monthly for 360 monthsDate Closed:06/01/2010
Remarks:
TRANSFERRED TO ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE


05/2010
04/2010
03/2010
02/2010
01/2010
12/2009
11/2009
10/2009
09/2009
08/2009
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


07/2009
06/2009
05/2009
04/2009
03/2009
02/2009
01/2009
12/2008
11/2008
10/2008
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


09/2008
08/2008
07/2008
06/2008
05/2008
04/2008
03/2008
02/2008
01/2008
12/2007
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


11/2007
10/2007
09/2007
08/2007
07/2007
06/2007
05/2007
04/2007
03/2007
02/2007
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK


01/2007
12/2006








Rating
OK
OK











Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years.
QWEST LAND-LINE

700 W MINERAL AVE
COLORADO ROOM
LITTLETON, CO 80120
Phone number not available
Requested On: 03/10/2011, 03/10/2011 InquiryType: Individual


The companies listed below received your name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full credit report. These inquiries are not seen by anyone but you and do not affect your score.
GE MONEY

4246 SOUTH RIVERBOAT RD
SALT LAKE CITY, UT 84123
Phone number not available
Requested On:
11/28/2012, 04/25/2012
WORTH FINANCE CORP

510 S CONGRESS #312
AUSTIN, TX 78704
(512) 494-1264
Requested On:
10/01/2012

AMICA INSURANCE

POB 6008
PROVIDENCE, RI 02940
Phone number not available
Requested On:
05/15/2012, 05/15/2012



The listing of a company's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you. These inquiries are not seen by anyone but you and will not be used in scoring your credit file (except insurance companies may have access to other insurance company inquiries and users of a report for employment purposes may have access to other employment inquiries, where permitted by law).
21ST CENTURY INSURANCE
SPECIAL SERVICES D
3 BEAVER VALLEY RO
WILMINGTON, DE 19803
Phone number not available
Requested On:
03/29/2012
Permissible Purpose:
INSURANCE UNDERWRITING
ALLSTATE
1819 ELECTRIC RD
ROANOKE, VA 24018
(800) 255-7828Requested On:
02/08/2012
Permissible Purpose:
INSURANCE UNDERWRITING

CONSUMER INFO.COM
18500 VON KARMEN A
#900
IRVINE, CA 92612
Phone number not availableRequested On:
03/10/2011
Permissible Purpose:
WRITTEN AUTHORIZATION
MIGHTY NET, INC
26010 MUREAU RD
CALABASAS, CA 91302
(818) 407-4620
Requested On:
03/10/2011
Permissible Purpose:
WRITTEN AUTHORIZATION




-End of Credit Report-

Should you wish to contact TransUnion, you may do so,

Online:
To learn about reporting an inaccuracy click here.
For answers to general questions, please visit: www.transunion.com

By Mail:
TransUnion Consumer Relations
P.O. Box 2000
Chester, PA 19022-2000


By Phone:
(800) 916-8800
You may contact us between the hours of 8:00 a.m. and 11:00 p.m. Eastern Time, Monday through Friday, except major holidays.

For all correspondence, please have your TransUnion file number available (located at the top of this report).







Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
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.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.
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.
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.consumerfinance.gov/learnmore 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.consumerfinance.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 1-888-567-8688 (888-5OPTOUT).
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:

TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates. Bureau of Consumer Financial Protection
1700 G Street, N.W.
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB: Federal Trade Commission
Consumer Response Center - FCRA
Washington, DC 20580
1-877-382-4357
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
Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
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 Federal Reserve Consumer Help (FRCH)
PO Box 1200
Minneapolis, MN 55480
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and Insured state savings associations FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, MO 64106
d. Federal credit unions
National Credit Union Administration
Office of Consumer Protection (OCP)
Division of Consumer Compliance and Outreach (DCCO)
1775 Duke Street
Alexandria, VA 22314
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 20590
1-202-366-1306
4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Washington, DC 20423
5. Creditors subject to Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor
6. Small Business Investment Companies Associate Deputy Administrator for Capital Access
United States Small Business Administration
409 Third Street, SW, 8th Floor
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor operates or
Federal Trade Commission: Consumer Response Center-FCRA
Washington, DC 20580
1-877-382-4357
Information Regarding State Laws
Texas Residents

As of September 1, 2003 you have the right to place a security alert in your consumer file, which will warn anyone who receives information in your consumer file that your identity may have been used without your consent and that recipients of your consumer file information are advised to verify your identity prior to issuing credit. The security alert may prevent credit, loans, and services from being approved in your name without your consent. The security alert may delay or interfere with the timely approval of any subsequent request or application you make that involves access to your credit information such as a new loan, credit, mortgage, insurance, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, and an extension of credit at point of sale. The security alert will remain on your consumer file for not less than 45 days after the date the security alert is placed on your file. You have the right to obtain a free copy of your consumer file every 45 days while the security alert is in effect. A security alert may be requested by calling
TransUnion
Fraud Victim Assistance Department Phone: 800-680-7289
Equifax Credit Information Services
Consumer Fraud Division Phone: 800-525-6285
Experian
Experian's National Consumer Assistance Phone: 888-397-3742
Or, it may be requested in writing by sending a request to
TransUnion
Fraud Victim Assistance Department
P.O. Box 6790
Fullerton, CA 92834 Fax: 714-447-6034
Equifax Credit Information Services
Consumer Fraud Division
P.O. Box 105069
Atlanta, GA 30348
Experian
Experian's National Consumer Assistance
P.O. Box 1017
Allen, TX 75013
As of September 1, 2003 you have the right to place a security freeze on your consumer file, which will prohibit a consumer credit reporting agency from releasing any information in your consumer file without your express authorization. However your consumer file can be released without your express authorization if the intended use is one of those specified by Texas law as being exempt from security freezes. A security freeze must be requested in writing. A security freeze may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make that involves access to your consumer file such as a new loan, credit, mortgage, insurance, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, and an extension of credit at point of sale. When you place a security freeze on your consumer file, you will be provided a personal identifier to use if you choose to remove the freeze or authorize the release of your consumer file. To provide that authorization you must contact the consumer credit reporting agency and provide all of the following
1) The personal identifier
2) Proper identification to verify your identity
3) The period of time for which your consumer file shall be available and/or the proper information
regarding the third party who is to receive your consumer file.
As of September 1, 2007 a consumer reporting agency may charge a Texas consumer who is not a victim of identity theft a fee not to exceed $10.00 for each request to place, remove, or temporarily lift a security freeze on his or her consumer file. A fee not to exceed $12.00 may be charged for temporarily lifting a security freeze for an identified requester. On January 1 of each year the security freeze fee may be increased. The increase, if any, must be based proportionally on changes to the Consumer Price Index for All Urban Consumers as determined by the United States Department of Labor with fractional changes rounded to the nearest 50 cents.
You have the following rights to file action in court or arbitrate disputes:
(1) An action to enforce an obligation of a consumer reporting agency to a consumer under the Texas Regulation of Consumer Credit Reporting Agencies (Texas Business and Commerce Code Chapter 20) may be brought in court as provided by the FCRA, as amended, or, if agreed to by both parties, may be submitted to binding arbitration after you have followed all dispute procedures in Section 20.06 and have received the notice specified in Section 20.06(f) in the manner provided by the rules of the American Arbitration Association.
(2) A decision rendered by an arbitrator does not affect the validity of an obligation or debt owed by the consumer to any party.
(3) A prevailing party in an action or arbitration proceeding shall be compensated for the party's attorney fees and costs of the proceeding as determined by the court or arbitration.
(4) A consumer may not submit to arbitration more than one action against a particular consumer reporting agency during any 120-day period.
(5) The results of an arbitration action brought against a consumer reporting agency doing business in Texas shall be communicated in a timely manner to other consumer reporting agencies doing business in Texas.









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