Preview
FILED: ORANGE COUNTY CLERK 03/05/2024 09:59 AM INDEX NO. EF001852-2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024
DISCGVER msco=cc^aomo=sarc2
CARDMEMBER$1NCE2021
Account 95/os/2o23-os/t8/2023 Payment Information
Summary
Previous Balance $1,925.82 New Balance Minimum Payment Payment Due Date
Payrnents and Credits -$1,925.82
S0,00 S626.89 06/13/2023
Purchases +$0.00
Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date
Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00.
Fees Charged +$0.00
Interest Charged +$0.00
New Balance: $0.00
See Interest Charge Calculationsection followingthe Feesand
Interest Charged section for detailed APRinformation
Credit Line $1,500
Credit Line Available $0
Cash Advance Credit Line $300
Cash Advance Credit Line Available $0
Your FICO®Score is unavailable. Log in at Discoversom/FICO or
contact us at 1-800-347-2683 to learn more.
New York Residents: For more information call us at 1-800-
347-2683, You may contact the New York State Department of
Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for
free information on comparative credit card rates, fees and grace
periods.
Notice: Seereverse side forirnportant Information
Payment Coupon ACCOUNTNUMBERENDlNGIN 7421
Detach at perforation above and return with check payable to
New Balance 50.00
Discover. Do not fotd, clip, staple or send cash,
Minimum Payment Due $626.89
Payrnent Due Date 06/13/2023
Amount Enclosed $
TAMMY MILLER : For a faster, easier Discover.com 800-347-2683
19 MAPLE AVE way to pay... See reversefor payment cut off times.
CHESTER NY10918-1322
PO BOX6103
CAROL STREAM IL60197-6103
New address. emailor phone? Please update on reverse.
000001986458284959240D00000000D00000062689
led in Orange County 03/05/2024 09:59:40 AM $0.00 Bk: 5156 Pg: 1655 Index: # EF001852-2024 Clerk: EBR
FILED: ORANGE COUNTY CLERK 03/05/2024 09:59 AM INDEX NO. EF001852-2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024
DISCOVERIT® CARDENDINGIN7421 Page2 of 4
TAMMYMitLER OPENTOCLOSEDATE:05/05/2023 -05/18/2023
Impprtant Inforination Minimum Payment Due,0ii) statement Minimum PaymentDue plus a fixed dollar
amount"
Seeyour CardmemberAgreement Your CardmemberAgreementcontains allthe amount, or Ov)other dollaramount. Ifyour scheduled "Other dollar
terms ofyour Account. payment is not enough to cover the Minimum PaymentDue as listed on your monthly
billing statement, your scheduled payment for that month will be increased to cover
Lost er Stolen Cards.Reportimmediately! Call1-800-347-2683. the Minimum PaymentDue. If the scheduled payment is greater than the Minimum
PaymentDue, any excesswill be applied in accordancewith your Cardmember
What To DolfYouThinkYou FindA Mistake On Your Statementt If you think there is Agreement. Ifyour scheduled payment is greater than the New Balancean your billing
an error on your statement, write to us at Discover, POBox 30421, Salt LakeCity, UT statement, that paymentwill be processed only for the amount of your New Balance.
84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Yourautomatic payment amount may be less than the amount indicated on the billing
You must contact us within 60 days after the error appeared on yourstatement.You statement based on credits or paymentsafter the CloseDate.
may call us, but if you do we are not required to investigate any potential ermrs, and
you may have to pay the amount in question. The Billing Rights Notice further Ifyou enroll by phone in our automatic payment service, please fill-In the following
explains your rights. Pleasesee your CardmemberAgreementorvisit blanks below and retain the authorization for your records.
https://discover.com/billingrightsfor a copy of this Notlce.
Amount
Payments.You may pay allor part ofyour Account balance at any time. However, you OFull Pay OMin Pay
must pay at least the Minimum PaymentDue by the PaymentDue Date. Send only OMin Pay+$ OOther Amount $
your allowable form of payment ("Payment") and the bottom portion of this statement
in the envelope provided, afteraffixingpostage. Paymentssent without proper Bank Routing#
postage will be returned to the sender. Ifyou pay by check, you authorize us to use BankAccount #
informationon your check to make an electronic fund transfer from your account at Monthly on theO PaymentDue Date, orO Dayof the month (INSERTDATE)
the financialinstitution indicated on your check orto process the paymentas a check
transaction. If a Paymentis processed as an electronic fund transfer, the transfer will Credit Repost©ms, Credit Reporting.We may report Information about your Account to
be for the amount of the check, funds may be withdrawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account
as the same day we receive your check, and you will not receiveyour check back- be reflected In yourcredit report. We normally report the status and payment
may
Pleasedonot send cash, Sending cash is not allowed. The processing of your history of your Account to credit reporting agencies each month, If you believe that
allowable form of Payment may be delayed if you send cash or correspondencewith our report is inaccurate or incomplete, please write us at this address: Discover, PO
Box 30939, Salt Lake City, UT84130-0939. Pleaseinclude your name, address,
your Payments,if you send the Payment to any other address, or if you use an
envelope other than the one provided. Paymentsreceived at our processing facility home telephone number and Account number.
by 5PM local time on any day will be credited to your Account as of that day· Paying Interest. Yourdue date is at least 25 days afterthe close of each billing period
Paymentsreceived at our processing facility after 5PMlocal time wltl be credited to (at least 23 days for billing periods that begin in February).Wewill begin charging
your Account as of the next day. If you have misplaced yourenvelope, send your interest on CashAdvances and BalanceTransfersas of the later of the Transaction
Paymentto Discover, POBox 6103, Carol Stream, IL60197-6103. Pleaseallow 7-10 Date or the first day of the billing period in which the transaction posted to your
days for delivery.lf your Paymentusretumed unpaid, we reservethe right to resubmit Account. If you pay the NewBalanceon your current billing statement by the Payment
it as an electronic debit Payments made online or by phone before Midni t Eastern Due Date shown on that billingstatement we will notimpose interest charges on
Time on any day except your Statement Closing Date will be credited as e the same New Purchases.New Purchasesare Purchasesthat first appear on the next billing
day; on your Statement Closing Date.online and phone payments must be made statement. Interest willcontinue to accrueeach day on purchases that appeared on
hefore 5:00 PM EasternTime to be credited as of that day" previous billingstatements untilyou pay the New Balancein full and will be billed in
You can also make a Paymentor set up automatic payments by calling 1-800-347- the next Eng cycle.
2683. Automatic payments for the billing period shown on your statement will be. HowWe Calculate1nterest Charges,We Usethe Daily BalanceMethod (including
deducted on the PaymentDue Dateshown on that statement, or the nextautomatic current transactions) to calculate the BalanceSubject to Interest Rate.For more
payment date referredto on your statement, unless you request a recurrmg payment
information, please call us at 1-800-347-2683.
date that occurs before your PaymentDueDate. In order to schedule monthly
payments by telephone, you will need this statement and your bank account Balance5ubjectTo Interest Rate.Your statement shows a BatanceSubject to Interest
information.You will be asked to provide the last four (4) digits of the social security Rate.It shows this for eachtransaction category. The BalanceSubject to Interest Rate
numberof the primary borrower as your electronic signature. Byproviding those is the averageof the daily balances during the billing period.
numbers, you will be agreeing to this authorization to allow us and your bank to
deduct each paymentyou authorize, in the amount selected by you, from your bank Credit Balances.lf your Account has a credit balance, the amountis shown on the
account. Youalso authorize u5 to Initiate debit or credit entries to your bank account, front of your billing statement.A credit balance is money thatis owed to you. You may
as applicable, to correct an errorin the processing of such payment.You can cancel make chargesagainstthis amount ifyourAccount is open. Wewill send you a refund
or modify a payment frorn your bank account until5:00 PMEasternTimeon the day of any remainingbalance of $1.00 or more after6 months, or as otherwiserequired
such payment is scheduled by calling1-800-347-2683 or by mailat Discover, POBox by applicable law, or upon request made to the address in the Contact Us section on
30421, Salt LakeCity, UT84130-0421. Sameday online or phone payments from page 3 of your billingstatement
bank account made after 5:00 PMEasternTime may be modified before Midnight
EastemTimeof that day. Paymentsfrom Cashback Bonuscannot be modified or BalanceTransfers.Balance Transfersareoffered at our discretion and accrue interest
cancelled after being made or scheduled. at the standard purchase rate unless we tell youotherwise.
If your payments may vary In amount, we will tell you on each monthly billing Discover may monitor and/or recordtelephone calls between you and Discover
statement when your paymentwill be madeand how much it will be. You must ensure representatives for quality assurance purposes.
that sufficient funds are available in your bank account, and all transactions must
Send inquiries to Discover, POBox 30943, Salt LakeCity, UT84130
comply with U.S.law.
You can set up automatic payments for: (1)statement New Balance,(li) statement The Discover®card is issued by Discover Bank, Member FDIC.
DIT23-27.0420
Change of Address
If correct on front de not use.To makechangesto your address, emait or telephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com.
StreetAddress HomePhone
Work Phone
City Email
State,Zip
FILED: ORANGE COUNTY CLERK 03/05/2024 09:59 AM INDEX NO. EF001852-2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024
" ONLINE PHONE PAYMENT5 Pages of 4
w Discover.com or 1-800-347-2683 Discover DISCOVERIT® CARDDIDINGE 7421
download our app TDD 1-800-347-7449 POBox 6103 OPENTOCLOSEDATE:05/05/2023 - 05/18/2023
Carol Stream
IL 60197-6103
Bonus®
Transactions Cashback Rewards
TRANS. PREVIOUS BALANCE $0.00
DATE PAYMENTSAND CREDITS AMOUNT
EARNED THIS PERIOD +$0.00
05/17 CHARGE OFFACCOUNT-PRINCIPALS -$1,925.82
REDEEMED THIS PERIOD -$0.00
CASHBACK BONUS BALANCE 50.00
Fees and Interest Charged
TOTAL FEES FOR THIS PERIOD $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00
2023 TOTALSYEAR-TO-DATECHARGED AMOUNT
TOTALFEESCHARGEDIN 2023 $194.00
TOTALINTERESTCHARGEDIN 2023 $118.82
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
CURRENTBILLING PERIOD:14 DAYS
PROMO BALANCESUBJECT INTEREST
APR" EXPIRES"
TYPEOFBAI.ANCE APR TOINTERESTRATE CHARGE
Purchases 27.74% V N/A $0.00 $0.00
Cash Advances 29.74% V N/A $0.00 $0.00
V = VARIABLE
RATE
Variable APRswill not exceed29.990
* If your account is
currently enrolled in a special program or Is placed into one during the term of the offer, you will
receivethe benefit of the lower rate white the special program is in effect. This includes,if applicable,any lower
rates as authorizedunder the ServicemembersCivil ReliefAct.
** This is the date your promotionatrate expires and the remainingbalance will be moved to your standard APR
disclosed when you accepted the offer. Pleasenote: Changing your payment due date may change your PromoAPR
Expiration Date.
*** Formore information,please call us at 1-800-347-2683.
Information For You
Availability of FICO® Credit Score
As an active cardrnember, you may see your FICO®Credit Score on your monthly statement or on line. Reasons why you n1ay not see your FICO®Credit Score
include: if you opt out; If you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover
or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a
foreign address. Your FiCO®Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity
such as no purchase transactions, fees, interest, or payments for approximately 30 days.
FICOis a registered trademark of Fair Isaac Corporation in the United States and other countries.
FILED: ORANGE COUNTY CLERK 03/05/2024 09:59 AM INDEX NO. EF001852-2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024
DISCOVERIT® CARDENDINGIN7421 Page4 of 4
TAMMY MILLER OPENTOCLOSEDATE:05/05/2023 -05/18/2023
Preview
FILED: ORANGE COUNTY CLERK 03/05/2024 09:59 AM INDEX NO. EF001852-2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024 DISCGVER msco=cc^aomo=sarc2 CARDMEMBER$1NCE2021 Account 95/os/2o23-os/t8/2023 Payment Information Summary Previous Balance $1,925.82 New Balance Minimum Payment Payment Due Date Payrnents and Credits -$1,925.82 S0,00 S626.89 06/13/2023 Purchases +$0.00 Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00. Fees Charged +$0.00 Interest Charged +$0.00 New Balance: $0.00 See Interest Charge Calculationsection followingthe Feesand Interest Charged section for detailed APRinformation Credit Line $1,500 Credit Line Available $0 Cash Advance Credit Line $300 Cash Advance Credit Line Available $0 Your FICO®Score is unavailable. Log in at Discoversom/FICO or contact us at 1-800-347-2683 to learn more. New York Residents: For more information call us at 1-800- 347-2683, You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods. Notice: Seereverse side forirnportant Information Payment Coupon ACCOUNTNUMBERENDlNGIN 7421 Detach at perforation above and return with check payable to New Balance 50.00 Discover. Do not fotd, clip, staple or send cash, Minimum Payment Due $626.89 Payrnent Due Date 06/13/2023 Amount Enclosed $ TAMMY MILLER : For a faster, easier Discover.com 800-347-2683 19 MAPLE AVE way to pay... See reversefor payment cut off times. CHESTER NY10918-1322 PO BOX6103 CAROL STREAM IL60197-6103 New address. emailor phone? Please update on reverse. 000001986458284959240D00000000D00000062689 led in Orange County 03/05/2024 09:59:40 AM $0.00 Bk: 5156 Pg: 1655 Index: # EF001852-2024 Clerk: EBR FILED: ORANGE COUNTY CLERK 03/05/2024 09:59 AM INDEX NO. EF001852-2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024 DISCOVERIT® CARDENDINGIN7421 Page2 of 4 TAMMYMitLER OPENTOCLOSEDATE:05/05/2023 -05/18/2023 Impprtant Inforination Minimum Payment Due,0ii) statement Minimum PaymentDue plus a fixed dollar amount" Seeyour CardmemberAgreement Your CardmemberAgreementcontains allthe amount, or Ov)other dollaramount. Ifyour scheduled "Other dollar terms ofyour Account. payment is not enough to cover the Minimum PaymentDue as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover Lost er Stolen Cards.Reportimmediately! Call1-800-347-2683. the Minimum PaymentDue. If the scheduled payment is greater than the Minimum PaymentDue, any excesswill be applied in accordancewith your Cardmember What To DolfYouThinkYou FindA Mistake On Your Statementt If you think there is Agreement. Ifyour scheduled payment is greater than the New Balancean your billing an error on your statement, write to us at Discover, POBox 30421, Salt LakeCity, UT statement, that paymentwill be processed only for the amount of your New Balance. 84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Yourautomatic payment amount may be less than the amount indicated on the billing You must contact us within 60 days after the error appeared on yourstatement.You statement based on credits or paymentsafter the CloseDate. may call us, but if you do we are not required to investigate any potential ermrs, and you may have to pay the amount in question. The Billing Rights Notice further Ifyou enroll by phone in our automatic payment service, please fill-In the following explains your rights. Pleasesee your CardmemberAgreementorvisit blanks below and retain the authorization for your records. https://discover.com/billingrightsfor a copy of this Notlce. Amount Payments.You may pay allor part ofyour Account balance at any time. However, you OFull Pay OMin Pay must pay at least the Minimum PaymentDue by the PaymentDue Date. Send only OMin Pay+$ OOther Amount $ your allowable form of payment ("Payment") and the bottom portion of this statement in the envelope provided, afteraffixingpostage. Paymentssent without proper Bank Routing# postage will be returned to the sender. Ifyou pay by check, you authorize us to use BankAccount # informationon your check to make an electronic fund transfer from your account at Monthly on theO PaymentDue Date, orO Dayof the month (INSERTDATE) the financialinstitution indicated on your check orto process the paymentas a check transaction. If a Paymentis processed as an electronic fund transfer, the transfer will Credit Repost©ms, Credit Reporting.We may report Information about your Account to be for the amount of the check, funds may be withdrawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account as the same day we receive your check, and you will not receiveyour check back- be reflected In yourcredit report. We normally report the status and payment may Pleasedonot send cash, Sending cash is not allowed. The processing of your history of your Account to credit reporting agencies each month, If you believe that allowable form of Payment may be delayed if you send cash or correspondencewith our report is inaccurate or incomplete, please write us at this address: Discover, PO Box 30939, Salt Lake City, UT84130-0939. Pleaseinclude your name, address, your Payments,if you send the Payment to any other address, or if you use an envelope other than the one provided. Paymentsreceived at our processing facility home telephone number and Account number. by 5PM local time on any day will be credited to your Account as of that day· Paying Interest. Yourdue date is at least 25 days afterthe close of each billing period Paymentsreceived at our processing facility after 5PMlocal time wltl be credited to (at least 23 days for billing periods that begin in February).Wewill begin charging your Account as of the next day. If you have misplaced yourenvelope, send your interest on CashAdvances and BalanceTransfersas of the later of the Transaction Paymentto Discover, POBox 6103, Carol Stream, IL60197-6103. Pleaseallow 7-10 Date or the first day of the billing period in which the transaction posted to your days for delivery.lf your Paymentusretumed unpaid, we reservethe right to resubmit Account. If you pay the NewBalanceon your current billing statement by the Payment it as an electronic debit Payments made online or by phone before Midni t Eastern Due Date shown on that billingstatement we will notimpose interest charges on Time on any day except your Statement Closing Date will be credited as e the same New Purchases.New Purchasesare Purchasesthat first appear on the next billing day; on your Statement Closing Date.online and phone payments must be made statement. Interest willcontinue to accrueeach day on purchases that appeared on hefore 5:00 PM EasternTime to be credited as of that day" previous billingstatements untilyou pay the New Balancein full and will be billed in You can also make a Paymentor set up automatic payments by calling 1-800-347- the next Eng cycle. 2683. Automatic payments for the billing period shown on your statement will be. HowWe Calculate1nterest Charges,We Usethe Daily BalanceMethod (including deducted on the PaymentDue Dateshown on that statement, or the nextautomatic current transactions) to calculate the BalanceSubject to Interest Rate.For more payment date referredto on your statement, unless you request a recurrmg payment information, please call us at 1-800-347-2683. date that occurs before your PaymentDueDate. In order to schedule monthly payments by telephone, you will need this statement and your bank account Balance5ubjectTo Interest Rate.Your statement shows a BatanceSubject to Interest information.You will be asked to provide the last four (4) digits of the social security Rate.It shows this for eachtransaction category. The BalanceSubject to Interest Rate numberof the primary borrower as your electronic signature. Byproviding those is the averageof the daily balances during the billing period. numbers, you will be agreeing to this authorization to allow us and your bank to deduct each paymentyou authorize, in the amount selected by you, from your bank Credit Balances.lf your Account has a credit balance, the amountis shown on the account. Youalso authorize u5 to Initiate debit or credit entries to your bank account, front of your billing statement.A credit balance is money thatis owed to you. You may as applicable, to correct an errorin the processing of such payment.You can cancel make chargesagainstthis amount ifyourAccount is open. Wewill send you a refund or modify a payment frorn your bank account until5:00 PMEasternTimeon the day of any remainingbalance of $1.00 or more after6 months, or as otherwiserequired such payment is scheduled by calling1-800-347-2683 or by mailat Discover, POBox by applicable law, or upon request made to the address in the Contact Us section on 30421, Salt LakeCity, UT84130-0421. Sameday online or phone payments from page 3 of your billingstatement bank account made after 5:00 PMEasternTime may be modified before Midnight EastemTimeof that day. Paymentsfrom Cashback Bonuscannot be modified or BalanceTransfers.Balance Transfersareoffered at our discretion and accrue interest cancelled after being made or scheduled. at the standard purchase rate unless we tell youotherwise. If your payments may vary In amount, we will tell you on each monthly billing Discover may monitor and/or recordtelephone calls between you and Discover statement when your paymentwill be madeand how much it will be. You must ensure representatives for quality assurance purposes. that sufficient funds are available in your bank account, and all transactions must Send inquiries to Discover, POBox 30943, Salt LakeCity, UT84130 comply with U.S.law. You can set up automatic payments for: (1)statement New Balance,(li) statement The Discover®card is issued by Discover Bank, Member FDIC. DIT23-27.0420 Change of Address If correct on front de not use.To makechangesto your address, emait or telephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com. StreetAddress HomePhone Work Phone City Email State,Zip FILED: ORANGE COUNTY CLERK 03/05/2024 09:59 AM INDEX NO. EF001852-2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024 " ONLINE PHONE PAYMENT5 Pages of 4 w Discover.com or 1-800-347-2683 Discover DISCOVERIT® CARDDIDINGE 7421 download our app TDD 1-800-347-7449 POBox 6103 OPENTOCLOSEDATE:05/05/2023 - 05/18/2023 Carol Stream IL 60197-6103 Bonus® Transactions Cashback Rewards TRANS. PREVIOUS BALANCE $0.00 DATE PAYMENTSAND CREDITS AMOUNT EARNED THIS PERIOD +$0.00 05/17 CHARGE OFFACCOUNT-PRINCIPALS -$1,925.82 REDEEMED THIS PERIOD -$0.00 CASHBACK BONUS BALANCE 50.00 Fees and Interest Charged TOTAL FEES FOR THIS PERIOD $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2023 TOTALSYEAR-TO-DATECHARGED AMOUNT TOTALFEESCHARGEDIN 2023 $194.00 TOTALINTERESTCHARGEDIN 2023 $118.82 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. CURRENTBILLING PERIOD:14 DAYS PROMO BALANCESUBJECT INTEREST APR" EXPIRES" TYPEOFBAI.ANCE APR TOINTERESTRATE CHARGE Purchases 27.74% V N/A $0.00 $0.00 Cash Advances 29.74% V N/A $0.00 $0.00 V = VARIABLE RATE Variable APRswill not exceed29.990 * If your account is currently enrolled in a special program or Is placed into one during the term of the offer, you will receivethe benefit of the lower rate white the special program is in effect. This includes,if applicable,any lower rates as authorizedunder the ServicemembersCivil ReliefAct. ** This is the date your promotionatrate expires and the remainingbalance will be moved to your standard APR disclosed when you accepted the offer. Pleasenote: Changing your payment due date may change your PromoAPR Expiration Date. *** Formore information,please call us at 1-800-347-2683. Information For You Availability of FICO® Credit Score As an active cardrnember, you may see your FICO®Credit Score on your monthly statement or on line. Reasons why you n1ay not see your FICO®Credit Score include: if you opt out; If you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FiCO®Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. FICOis a registered trademark of Fair Isaac Corporation in the United States and other countries. FILED: ORANGE COUNTY CLERK 03/05/2024 09:59 AM INDEX NO. EF001852-2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024 DISCOVERIT® CARDENDINGIN7421 Page4 of 4 TAMMY MILLER OPENTOCLOSEDATE:05/05/2023 -05/18/2023