CREDIT PROTECTION

A CREDIT CARD CAN BE A GREATE FINANCIAL TOOL, BUT IT ALSO IS A BIG RESPONSIBILITY. APPLYING FOR AND RECEIVING A CREDIT CARD GENERALLY IS AN EASY PROCEDURE. OFFERS FROM CREDIT CARD COMPANIES ARRIVE FREQUENTLY IN THE REGULAR MAIL.

MANY PEOPLE, PARTICULARLY FIRST-TIME USERS, DO NOT FULLY UNDERSTAND THE IMPLICATIONS OF A CREDIT CARD. THEY MAY CHARGE MORE THAN THEY CAN REPAY. THIS CAN DAMAGE A CREDIT RATING AND CREATE CREDIT PROBLEMS THAT MAY BE DIFFICULT TO FIX.

BEFORE YOU SUBMIT A CREDIT APPLICATION, OBTAIN A COPY OF YOUR CREDIT REPORT FROM ONE OF THE THREE MAJOR REPORTING AGENCIES TO MAKE SURE IT IS ACCURATE.

- EQUIFAX INFORMATION SERVICES, LLC
P.O. BOX 740241
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-EXPERIAN CONSUMER OPT-OUT
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-TRANS UNION LLC'S NAME REMOVAL OPTION
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DAVID ALLEN
NOVEMBER 15, 2005