To Obtain a Copv of Your Credit Report:Equifax 1-800-685-1111 www.equifax.comTrans Union 1-800-888-4213 www.transunion.comExperian 1-888-397-3742 www.experian.com

In Writing: Equifax Information ServicesP.O. Box 740241Atlanta, GA 30374-0241

,To Dispute Information on Your Credit Report to EClUifax:In Writing: Equifax

P.O. Box 740256Atlanta, GA 30374-0256

Internet: www.eQuifax.com / Personal Solutions / Online Dispute

To Report Fraud to the Credit Vendors:Equifax 1-800-525-6285Trans Union 1-800-680-7289Experian 1-888-397-3742

COllsumermay request to have a "Fraud Victim Statemellt" placed 011their Credit File. COllsumeralso has theability to request a "Collsumer Statem"ellt beplaced 011theirfile Le. "My ID was stolen Dec. 2004; please call(phone number) before issuing credit",Fraud Alert Removal: Consumers must request removal of this alert via mail along with ID for securityprecautions. They can mail the request to: PO Box 105069 Atlanta, GA 30348

Note: COllsumerollly IIeeds to COlitact olle of the 3 credit bureaus alld that particular credit bureau will share thecOllsumer'sfraud alert request alld their illformatioll with the other two credit bureaus.

To Obtain Your Annual Free Credit Re,www.annualcreditreDort.comToll Free: 877-322-8228Write to: Annual Credit Report Request Service

POBox 105281Atlanta, GA 30348-5281

erian:

To Stop all Solicitations[IIyour request state your IIame, home address alld pholle IIumber with area code alld your sigllature. The DirectMarketillg Associatioll keeps your request 011file for 5 years at "0 charge to you alld at the elld of the five years youmay selld ill allother request.

For Mail:Send a request to: Mail Preference Service

Direct Marketing AssociationP.O. Box 9008Farmingdale, NY 11735-9008

For Telephone:Send a request to: Telephone Preference Service

Direct Marketing AssociationP.O. Box 9014Farmingdale, NY 11735-901

State Do Not Call Listings: Tennessee: 877-872-7030/ Arkansas: 877-866-8225Mississippi: 866-622-5567/ Missouri: 866-662-2551

1-888-382-1222 (www.donotcall.gov)National Do Not Call Registry:

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(Outside of envelope must say: ~~Attn:Legal Dept. " and highlight these words.)Your NameYour Address

Today's Date

Equifax-Experian- TransUnionAddressFax Number: (if available)

Attn: Legal Department

Re: My Name:My Social Security Number:My Date of Birth:My Current Address:

Dear Counselor,

Please be advised this is my second notification to you that you are reporting erroneous andincorrect information on my credit report. You have refused to make the necessary changes tocorrect my report. I now consider your actions and inactions as reckless and malicious. Idemand that you make the following changes immediately, and forward me a copy of mycorrected report as soon as possible.

Creditor / Item (as listed by you) Account Number (as listed by you) Correction Needed

Sincerely yours,

Signature

Printed Namecc: Federal Trade Commission

Attorney General of your stateYour Attorney's Name

Your NameYour Address

Today's Date

Equifax-Experian- TransUnionAddressFax Number: (if available)

Re: My Name:My Social Security Number:My Date of Birth:My Current Address:

Dear Sir/Madam,

On or about _date of previous letter_ I sent you a request to investigate several items and/oraccounts on my credit report. To this date, I have not received my corrected report.

If you are unable to verify information or have not received a response to your internalverification, you must make the changes I requested. Accordingly, please update my report as Iinstructed you and send me a corrected report as soon as possible.

u...e if applies:

Furthermore, I herein request you also send a copy of my corrected credit file to the followingperson/organization who requested a copy of my report within the last 6 months:

Person / Business / SchoolMailing Address

Furthermore, I herein request you also send a copy of my corrected credit file to the followingperson who/business that requested my report for employment purposes within the last 2 years:

Per.WJ1l/ Bu...ine / OrganizationMailing Addre......

Sincerely yours,

Signature

Printed Namecc: Federal Trade Commission

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Your NameYour Address

Today's Date

Equifax-Experian- TransUnionAddressFax Number: (if available)

Re: My Name:My Social Security Number:My Date of Birth:My Current Address:

Dear Sir/Madam,

Please be advised you are reporting erroneous and incorrect information on my credit report,specifically as follows:

The following inquiries were not authorized by me, please remove them immediately as if theynever existed:

Creditor / Person / Organization (as listed by you as an inquiry)

The following inquiries were made more than 2 years ago, please remove them immediately as ifthey never existed:

Creditor / Person / Organization (as listed by you as an inquiry)

Please delete these inquiries as soon as possible. I look forward to receiving a corrected reportfrom you within the next 30 days.

Sincerely yours,

Signature

Printed Name

Your NameYour Address

Today's Date

Equifax-Experian- TransUnionAddressFax Number: (if available)

Re: My Name:My Social Security Number:My Date of Birth:My Current Address:

Dear Sir/Madam,

It has come to my attention that my credit file with you shows me as an authorized user on anaccount that I am not an authorized user on. The original creditor has verified that I am not anauthorized user on this account. The account you need to delete from my credit file as if it neverexisted is as follows:

Creditor/Item (as listed by you) Account Number (as listed by you)

Please delete this account as soon as possible. I look forward to receiving a corrected reportfrom you within the next 30 days.

Sincerely yours,

Signature

Printed Name

-- - - - - - -

Your NameYour Address

Today's Date

Equifax-Experian- TransUnionAddressFax Number: (if available)

Re: My Name:My Social Security Number:My Date of Birth:My Current Address:

Dear Sir/Madam,

Please be advised you are reporting erroneous and incorrect information on my credit report,specifically as follows:

The date of last activity for the following item(s)/account(s) was more than 7 years ago, pleaseremove them immediately as if they never existed:

Creditor/Item (as listed by you) Account Number (as listed by you)

Please delete these item(s)/account(s) as soon as possible. I look forward to receiving acorrected report from you within the next 30 days.

Sincerely yours,

Signature

Printed Name

Today's Date

Ea uifax-Exoerian- Tram; lJn innAddress

Fax Number: (if available)

Re: R.1)OU~~..F.C\.1;MY.f:p~q U.R.>.!10rtMy Current Address:

Dear Sir/Madam,

Please send me my credit report. I am entitled to a free copy because

Choose One:

it has been more than 12 months since the last time I received my credit file fromyou.

I have been denied credit within the preceding 60 days and am enclosing a copyof the relevant denial letter.

I am unemployed and intend to apply for a job within the next 60 days.

I am on public assistance.

I believe there is inaccurate information on my report due to fraud.

I look forward to receiving my report from you soon.

Sincerely yours,

Signature

Printed Name

Your NameYour Address

Today's Date

Equifax-Experian- TransUnionAddressFax Number: (if available)

Re: My Name:My Social Security Number:My Date of Birth:My Current Address:

Dear Sir/Madam,

Please be advised you are reporting erroneous and incorrect information on my credit report,specifically as follows:

The following item(s)/account(s) do not belong to me, please remove them immediately as ifthey never existed:

Creditor/Item (as listed by you) Account Number (as listed by you)

The following item(s)/account(s) were always current; I never paid them late. Please change thestatus to show current, timely payments:

Creditor/Item (as listed by you) Account Number (as listed by you)

Please make these changes as soon as possible. I look forward to receiving a corrected reportfrom you within the next 30 days.

Sincerely yours,

Signature

Printed Name