sara barz_TransUnion Personal Credit Report_20141116.pdf

11/16/2014File Number: 347953391 -Begin Credit Report- You have been on our files since 10/01/1996 Date of Birth: 05/01/1978 SSN: XXX-XX-5588 Your SSN has been masked for your protection. Names Reported: SARA J. BARZ, SARAH BARZ, ARA J. BARZ and SARA BARNETT Addresses Reported: Address 1509 PORTABELLA TRL APT A, MOUNT PLEASANT, MI 48858-4023 421 N FANCHER ST, MOUNT PLEASANT, MI 48858 210 N HENRY ST, MOUNT PLEASANT, MI 48858-1340 209 N HENRY ST, MOUNT PLEASANT, MI 48858-1339 112 N BRADLEY RD, MOUNT PLEASANT, MI 48858-1276 1120 AMBERTRACE APT 7, HOLLAND, MI 49424-5330 1407 W BROADWAY ST, MOUNT PLEASANT, MI 48858-2117 1503 W MICHIGAN ST, MOUNT PLEASANT, MI 48858-2163 2520A LYNDALE AVE, MOUNT PLEASANT, MI 48858-6007 2589 EASTGATE AVE APT A, MOUNT PLEASANT, MI 48858-3077 1002 E PALMER ST APT B3, MOUNT PLEASANT, MI 48858-1875 5222 S EAGLE CRST, MOUNT PLEASANT, MI 48858-7162 5222 S EAGLE CRST APT 2, MOUNT PLEASANT, MI 48858-7162 15 28TH ST, HOLLAND, MI 49423 533 W 30TH ST, HOLLAND, MI 49423-7228 572 W 21ST ST, HOLLAND, MI 49423-4051 5232 E BROADWAY RD LOT 14, MOUNT PLEASANT, MI 48858-7958 1407 W BROADWAY ST APT B3, MOUNT PLEASANT, MI 48858-2117 2363 E WALTON RD, SHEPHERD, MI 48883-9561 2520 LYNDALE AVE APT A, MOUNT PLEASANT, MI 48858-6007 Date Reported 07/31/2013 08/20/2012 06/24/2009 01/05/2008 12/31/2006 04/17/2006 06/30/2004 07/31/2014 12/19/2011 09/30/2011 09/24/2010 05/31/2010 04/09/2010 11/30/2009 01/27/2007 03/31/2007 02/05/2007 10/05/2012 07/22/2012 01/16/2012 Telephone Numbers Reported: (989) 330-3127 (989) 817-8237 (989) 817-2894 (989) 546-4673 (989) 506-6769 (989) 317-8058 (616) 748-7281 (616) 425-1986 (989) 774-0009 (989) 772-7266 (989) 317-0820 (989) 317-0069 (989) 772-0011 (989) 775-7688 (989) 763-6148 (517) 775-7688 (616) 433-6986 (989) 330-6148 (989) 773-0296 (989) 400-1399 Employment Data Reported: Employer Name Location Position Date Verified DIVERSIFIED QUALITY HOLLAND, MI ASSISTANT 09/25/2009 SSI CHILD SPT 11/16/2006 This information was collected from public records sources by TransUnion or a company we hired. You may be required to explain these items to potential creditors. Discharged Chapter 7 bankruptcy remains on your file for up to 10 years. MICHIGAN FEDERAL COURT-B Docket# 823734 PO BOX 913 BAY CITY, MI 48707 (989) 894-8800 Date Filed: Date Paid: Date Verified: 12/08/2008 03/17/2009 10/11/2012 Type: Responsibility: CHAPTER 7 BANKRUPTCY DISCHARGED Court Type: Individual Debt Plaintiff Attorney: US Bankruptcy Court PRO SE Estimated month and year that this item will be removed: 11/2018 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. AID TRF ACCT INFO DISPUTED BY CONSUMR TRANSFERRED TO ANOTHER OFFICE FOR ACCOUNT IN FORBEARANCE PDE PAYMENT DEFERRED 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< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note: Accounts are reported as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid on or before the due date. CAPITAL ONE BANK USA NA #517805953987**** PO BOX 30281 SALT LAKE CITY, UT 84130 (800) 955-7070 Date Opened: Responsibility: Account Type: Loan Type: 06/16/2014 Individual Account Revolving Account CREDIT CARD Date Updated: 11/11/2014 Pay Status: >Account 90 Days Past Due Date< Terms: $25 per month, paid Monthly >Maximum Delinquency of 90 days in 11/2014 for $146< High Balance: High balance of $358 from 08/2014 to 08/2014; $398 from 09/2014 to 09/2014; $438 from 10/2014 to 10/2014; $444 from 11/2014 to 11/2014 Credit Limit: Credit limit of $300 from 08/2014 to 11/2014 Estimated month and year that this item will be removed: 08/2021 11/2014 Balance Scheduled Payment Past Due Rating 90 10/2014 09/2014 08/2014 07/2014 $444 $438 $398 $358 $25 $44 $44 $33 $146 $102 $58 $0 60 30 OK OK CHRYSLER CAPITAL #3000011058160**** PO BOX 961275 FORT WORTH, TX 76161 (800) 423-7712 Date Opened: Responsibility: Account Type: Loan Type: 04/22/2014 Individual Account Installment Account AUTOMOBILE Date Updated: Payment Received: Last Payment Made: Original ChargeOff: 10/31/2014 $0 05/14/2014 $11,462 Pay Status: Terms: >Charged Off< $325 per month, paid Monthly for 48 months Date Closed: 10/31/2014 >Maximum Delinquency of 90 days in 09/2014 for $1,299< High Balance: High balance of $11,683 from 04/2014 to 06/2014; $11,683 from 08/2014 to 10/2014 Remarks: >UNPAID BALANCE CHARGED OFF< Estimated month and year that this item will be removed: 06/2021 10/2014 Balance 07/2014 06/2014 05/2014 04/2014 $11,462 $11,462 $11,462 $11,462 $11,683 $325 $325 $325 $325 $325 $325 $0 $0 $0 $0 $325 $0 $1,624 $1,299 $974 $0 $0 $0 Amount Paid Rating 08/2014 $11,462 Scheduled Payment Past Due 09/2014 C/O 90 60 N/R OK OK OK CREDIT ONE BANK #444796216718**** PO BOX 98872 LAS VEGAS, NV 89193-8872 (877) 825-3242 Date Opened: Responsibility: Account Type: Loan Type: 05/19/2009 Individual Account Revolving Account CREDIT CARD Balance: Date Updated: Last Payment Made: High Balance: Credit Limit: $0 10/25/2012 05/27/2010 $569 $250 Pay Status: $0 03/14/2010 12/04/2008 $9,120 Pay Status: Date Closed: >Account paid in Full; was a Charge-off< 09/24/2010 Account Sale Info: ACCOUNT SOLD TO SOLD TO ANOTHER LENDER Remarks: PURCHASED BY ANOTHER LENDER Estimated month and year that this item will be removed: 05/2017 DIRECT LOAN SVC SYSTEM #366845**** PO BOX 5609 GREENVILLE, TX 75403-5609 (800) 848-0979 Date Opened: Responsibility: Account Type: Loan Type: 09/05/2008 Individual Account Installment Account STUDENT LOAN Balance: Date Verified: Last Payment Made: High Balance: Current; Paid or Paying as Agreed Terms: $38 per month for 299 months Date Closed: 03/14/2010 >Maximum Delinquency of 120 days in 07/2009 for $193 and in 02/2010 for $465< Remarks: CLOSED Rating Rating 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009 120 120 120 120 120 120 120 120 90 60 04/2009 03/2009 02/2009 01/2009 12/2008 11/2008 10/2008 OK OK OK OK OK OK OK FEDLOAN SERVICING #5643929974FD0**** POB 60610 HARRISBURG, PA 17106 (800) 699-2908 Date Opened: Responsibility: Account Type: Loan Type: 05/05/2011 Individual Account Installment Account STUDENT LOAN Date Updated: Payment Received: 10/31/2014 $0 Pay Status: Terms: Current; Paid or Paying as Agreed $14 per month, paid Monthly for 109 months >Maximum Delinquency of 120 days in 09/2013 for $250 and in 10/2013 for $300< High Balance: High balance of $1,750 from 06/2013 to 10/2013; $1,750 from 12/2013 to 12/2013; $1,750 from 08/2014 to 10/2014 10/2014 Balance 09/2014 08/2014 $2,081 $2,081 $2,081 $14 $14 $14 Amount Paid $0 $0 $0 Past Due $0 $0 $0 Scheduled Payment 07/2014 06/2014 05/2014 04/2014 03/2014 02/2014 01/2014 X X X Remarks AID AID AID Rating OK OK OK X X X X 12/2013 11/2013 10/2013 09/2013 08/2013 07/2013 06/2013 Balance $2,018 $1,914 $1,914 $1,914 $1,914 $1,914 $50 $50 $50 $50 $50 $50 Amount Paid $0 $0 $0 $0 $0 $0 Past Due $0 $300 $250 $200 $150 $0 Scheduled Payment Rating OK X 120 120 90 60 OK MIDLAND FUNDING LLC #853823**** 8875 AERO DRSUITE 200 SAN DIEGO, CA 92123 (844) 236-1959 Placed for collection: Responsibility: Account Type: Loan Type: 01/19/2011 Individual Account Open Account FACTORING COMPANY ACCOUNT Balance: Date Updated: Original Amount: Original Creditor: Past Due: $894 10/24/2014 $570 CREDIT ONE BANK NA >$894< Pay Status: >In Collection< Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 05/2017 The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note: Accounts are reported as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid on or before the due date. AARONS SALES AND LEASE O #F6141**** 1015 COBB PLACE BLVD KENNESAW, GA 30144 (770) 426-3948 Date Opened: Responsibility: Account Type: Loan Type: Remarks: CLOSED 01/19/2012 Individual Account Installment Account LEASE Balance: Date Updated: Payment Received: Last Payment Made: High Balance: $0 07/17/2012 $0 07/17/2012 $400 Pay Status: Terms: Date Closed: Current; Paid or Paying as Agreed $60 per month, paid Semi-monthly for 6 months 07/17/2012 COMENITY BANK/EXPRESS #48239**** PO BOX 182789 COLUMBUS, OH 43218-2789 Phone number not available Date Opened: Responsibility: Account Type: Loan Type: 10/21/1997 Individual Account Revolving Account CHARGE ACCOUNT Balance: Date Updated: Payment Received: Last Payment Made: High Balance: Credit Limit: Pay Status: $0 01/19/2012 $12 05/10/2006 $1,368 $2,130 Terms: Date Closed: Date Paid: Current; Paid or Paying as Agreed Paid Monthly 12/10/2008 05/10/2006 Remarks: CLOSED BY CREDIT GRANTOR Rating Rating Rating Rating Rating Rating Rating Rating Rating 12/2011 11/2011 10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 OK OK OK OK OK OK OK OK OK OK 02/2011 01/2011 12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 OK OK OK OK OK OK OK OK OK OK 04/2010 03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 OK OK OK OK OK OK OK OK OK OK 06/2009 05/2009 04/2009 03/2009 02/2009 01/2009 12/2008 11/2008 10/2008 09/2008 OK OK OK OK OK OK OK OK OK OK 08/2008 07/2008 06/2008 05/2008 04/2008 03/2008 02/2008 01/2008 12/2007 11/2007 OK OK OK OK OK OK OK OK OK OK 10/2007 09/2007 08/2007 07/2007 06/2007 05/2007 04/2007 03/2007 02/2007 01/2007 OK OK OK OK OK OK OK OK OK OK 12/2006 11/2006 10/2006 09/2006 08/2006 07/2006 06/2006 05/2006 04/2006 03/2006 OK OK OK OK OK OK OK OK OK OK 02/2006 01/2006 12/2005 11/2005 10/2005 09/2005 08/2005 07/2005 06/2005 05/2005 OK OK OK OK OK OK OK OK OK OK 04/2005 03/2005 OK OK DEPT OF ED / NELNET #90000043689**** 3015 PARKER RD SUITE 400 AURORA, CO 80014 (888) 486-4722 Date Opened: Responsibility: Account Type: 02/07/2014 Individual Account Installment Account Date Updated: Payment Received: 08/12/2014 $0 Pay Status: Terms: Current; Paid or Paying as Agreed $50 per month, paid Monthly for 120 months Loan Type: STUDENT LOAN Date Closed: 08/12/2014 Pay Status: Current; Paid or Paying as Agreed $50 per month, paid Monthly for 120 months 04/19/2013 High Balance: High balance of $283 from 03/2014 to 08/2014 08/2014 Balance 07/2014 06/2014 05/2014 04/2014 03/2014 $0 $283 $283 $283 $283 $283 $50 $0 $0 $50 $50 $50 Amount Paid $0 $0 $0 $0 $0 $0 Past Due $0 $0 $0 $0 $0 $0 Scheduled Payment Remarks TRF PDE PDE PDE PDE PDE Rating OK OK OK OK OK OK DIRECT LOAN SVC SYSTEM #70000190968**** PO BOX 5609 GREENVILLE, TX 75403-5609 (800) 848-0979 Date Opened: Responsibility: Account Type: Loan Type: 05/05/2011 Individual Account Installment Account STUDENT LOAN Date Updated: Payment Received: 04/19/2013 $0 Terms: Date Closed: High Balance: High balance of $1,750 from 05/2012 to 04/2013 04/2013 Balance 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012 09/2012 08/2012 07/2012 $0 $1,888 $1,888 $1,888 $1,879 $1,879 $1,862 $1,862 $1,862 $1,851 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 Amount Paid $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Scheduled Payment Remarks TRF PDE Rating OK OK OK OK OK OK OK OK OK 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011 10/2011 OK OK OK OK OK OK OK Balance PDE $1,851 $1,851 $50 $50 Amount Paid $0 $0 Past Due $0 $0 Scheduled Payment Rating OK OK PDE OK DIRECT LOAN SVC SYSTEM #366845**** PO BOX 5609 GREENVILLE, TX 75403-5609 (800) 848-0979 Date Opened: Responsibility: Account Type: Loan Type: 05/05/2011 Individual Account Installment Account STUDENT LOAN Balance: Date Updated: High Balance: $0 09/30/2011 $1,767 Pay Status: Terms: Date Closed: Current; Paid or Paying as Agreed $50 per month for 40 months 09/30/2011 Rating 08/2011 07/2011 06/2011 05/2011 OK OK OK X DIRECT LOAN SVC SYSTEM #366845**** PO BOX 5609 GREENVILLE, TX 75403-5609 (800) 848-0979 Date Opened: Responsibility: Account Type: Loan Type: 04/08/2010 Individual Account Installment Account STUDENT LOAN Balance: Date Updated: Last Payment Made: High Balance: Pay Status: Terms: $0 05/31/2011 05/05/2011 $1,750 Date Closed: Unrated $50 per month for 39 months 05/31/2011 Remarks: CLOSED 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 X X X X X X X X X X 06/2010 05/2010 04/2010 X X X Rating Rating FEDLOAN SERVICING #5643929974FD0**** POB 60610 HARRISBURG, PA 17106 (800) 699-2908 Date Opened: Responsibility: Account Type: Loan Type: 09/05/2008 Individual Account Installment Account STUDENT LOAN Date Updated: Payment Received: Pay Status: 10/31/2014 $0 Current; Paid or Paying as Agreed $37 per month, paid Monthly for 132 months Terms: High Balance: High balance of $9,038 from 11/2013 to 12/2013; $9,038 from 08/2014 to 10/2014 10/2014 Balance 09/2014 08/2014 $6,418 $6,418 $6,418 $37 $37 $37 Amount Paid $0 $0 $0 Past Due $0 $0 $0 Scheduled Payment 07/2014 06/2014 05/2014 04/2014 03/2014 02/2014 01/2014 X X X X X X X Remarks Rating Balance OK OK 12/2013 11/2013 OK $6,240 $6,156 $88 $0 Amount Paid $0 $0 Past Due $0 $0 Scheduled Payment Remarks Rating FOR OK OK GREEN TREE #5033**** POB 6172 RAPID CITY, SD 55709 (800) 643-0202 Date Opened: Responsibility: Account Type: Loan Type: 10/09/1998 Individual Account Installment Account SECURED Balance: Date Updated: Last Payment Made: $0 08/31/2011 04/29/2005 Pay Status: Terms: 10/28/2014 $0 Pay Status: Unrated $0 per month for 360 months 08/31/2011 Date Closed: Remarks: TRANSFERRED TO ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE MABT - RETAIL #768600100160**** PO BOX 4499 BEAVERTON, OR 97076 (866) 946-9544 Date Opened: Responsibility: Account Type: Loan Type: 11/22/2013 Individual Account Revolving Account CREDIT CARD Date Updated: Payment Received: Current; Paid or Paying as Agreed Paid Monthly Terms: High Balance: High balance of $0 from 11/2013 to 10/2014 Credit Limit: Credit limit of $100 from 11/2013 to 10/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014 04/2014 03/2014 02/2014 01/2014 Balance $0 $0 $0 $0 $0 $0 $0 $0 $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 OK OK 12/2013 11/2013 Rating OK Balance $0 $0 Amount Paid $0 $0 Past Due $0 $0 Rating OK OK OK OK OK OK 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. DISCOVER BANK SYNCB/AMAZON PL 12 READS WAY NEW CASTLE, DE 19720 (800) 347-2683 PO BOX 965015 ORLANDO, FL 32896 (866) 634-8379 Requested On: Inquiry Type: 11/05/2014 Individual Requested On: Inquiry Type: 11/04/2014 Individual CCB/BILL ME LATER BARCLAYS BANK DELAWARE PO BOX 5138 TIMONIUM, MD 21094 (866) 528-3733 PO BOX 8803 WILMINGTON, DE 19899 (866) 370-5931 Requested On: Inquiry Type: 07/26/2014 Individual Requested On: Inquiry Type: 06/17/2014 Individual OK SYNCB CAPITAL ONE BANK USA NA C/O PO BOX 965037 ORLANDO, FL 32896 (866) 419-4096 PO BOX 30281 SALT LAKE CITY, UT 84130 (800) 955-7070 Requested On: Inquiry Type: 06/17/2014, 11/22/2013, 10/20/2013 Individual Requested On: Inquiry Type: SYNCB/PAYPALEXTRASMC CHRYSLER CAPITAL PO BOX 965005 ORLANDO, FL 32896 (866) 300-6432 8585 N STEMMONS FW DALLAS, TX 75247 (800) 418-9079 Requested On: Inquiry Type: 06/11/2014 Individual Requested On: Inquiry Type: 06/16/2014 Individual 04/16/2014 Individual CAPITAL ONE AUTO FINANCE DLRMKT/RIGHTWAY AUTOMOTI 3905 N. DALLAS PAR PO #COAF1-222 PLANO, TX 75093 (888) 396-2623 1119 S MISSION RD MT PLEASANT, MI 48858 (989) 779-8900 Requested On: Inquiry Type: 04/16/2014 Individual Requested On: Inquiry Type: Permissible Purpose: ISABELLA BANK via CBC/ISABELLA BANK ROADLOANS.COM P.O.BOX 1667 PITTSBURGH, PA 15230 (877) 237-8317 8585 NORTH STEMMON DALLAS, TX 75060 (855) 825-6667 Requested On: Inquiry Type: Permissible Purpose: 04/08/2014 Individual CREDIT TRANSACTION Requested On: Inquiry Type: 04/16/2014 Individual CONSUMER INITIATED TRANSACTION 03/17/2014 Individual QUICKEN LOANS via EMS QUICKEN LOANS USDA RD - WEST BRANC via CBC/INNOVIS/CBCINNOVIS 815 EAST GATE DR STE 102 MOUNT LAUREL, NJ 08054 (800) 863-4332 P.O.BOX 1667 PITTSBURGH, PA 15230 (877) 237-8317 Requested On: Inquiry Type: Permissible Purpose: 03/14/2014, 08/31/2013 Individual CREDIT TRANSACTION Requested On: Inquiry Type: Permissible Purpose: SYNCB/WALMART PLCC MAB&T RETAIL PO BOX 965024 ORLANDO, FL 32896 (877) 294-7880 216 W 2ND ST DIXON, MO 65459 Phone number not available Requested On: Inquiry Type: 11/28/2013 Individual Requested On: Inquiry Type: WALTERS AUTO SALES via CBC/WALTERS AUTO SALES SYNCB/SAM'S PLCC 28080 COUNTY ROAD ELKHART, IN 46517 (574) 293-1707 PO BOX 965005 ORLANDO, FL 32896 (800) 964-1917 Requested On: Inquiry Type: Permissible Purpose: 02/28/2013 Individual CREDIT TRANSACTION Requested On: Inquiry Type: 02/18/2014 Individual CREDIT TRANSACTION 11/22/2013 Individual 02/13/2013 Individual SYNCB/TJX CO DUAL CARD PO BOX 965015 ORLANDO, FL 32896 (800) 926-6299 Requested On: Inquiry Type: 01/30/2013 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. GRANITE BAY ACCEPTANCE I OTTNO INC DBA NALN 1781 VINEYARD DR. #222 ANTIOCH, CA 94509 (925) 779-1901 2431 WEST COAST HW NEWPORT BEACH, CA 92663 (949) 633-9710 Requested On: 07/15/2014 Requested On: 07/15/2014, 06/15/2014, 04/17/2014 AXCESS FINANCIAL/CNGO FIRST PREMIER 7755 MONTGOMERY RD STE 400 CINCINNATI, OH 45236 (888) 296-2274 3820 N LOUISE AVE SIOUX FALLS, SD 57107-0145 (800) 584-7097 Requested On: 05/08/2014 Requested On: 07/01/2014 CAPITAL ONE BANK USA NA PO BOX 30281 SALT LAKE CITY, UT 84130 (800) 955-7070 Requested On: 04/01/2014, 03/01/2014, 02/01/2014, 01/01/2014 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, certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries, where permitted by law). TRANSUNION INTERACTIVE SARA BARZ via TRANSUNION INTERACTIVE I 100 CROSS STREET # SAN LUIS OBISP, CA 93401 (800) 493-2392 100 CROSS ST STE 202 SAN LUIS OBISP, CA 93401 (888) 567-8688 Requested On: 11/12/2014 Permissible Purpose: CREDIT MONITORING Requested On: 11/08/2014 Permissible Purpose: CONSUMER REQUEST TRANSUNION INTERACTIVE I CBE GROUP 100 CROSS ST STE 202 SAN LUIS OBISP, CA 93401 (888) 567-8688 PO BOX 2535 WATERLOO, IA 50704 (866) 912-1312 Requested On: 11/06/2014 Requested On: 11/08/2014, 11/05/2014, 10/11/2014, 10/07/2014, 09/30/2014, 09/23/2014, 09/22/2014, 05/20/2014, 04/18/2014 VERIZON WIRELESS TU INTERACTIVE 1 VERIZON PLACE ALPHARETTA, GA 30004 (800) 837-4966 100 CROSS ST #202 SAN LUIS OBISP, CA 93401 (888) 567-8688 Requested On: 11/01/2014 Permissible Purpose: COLLECTION Requested On: 10/12/2014, 03/18/2014, 03/17/2014 CAPITAL ONE BANK USA NA TU INTERACTIVE PO BOX 30281 SALT LAKE CITY, UT 84130 (800) 955-7070 100 CROSS ST #202 SAN LUIS OBISP, CA 93401 (888) 567-8688 Requested On: 10/01/2014 Requested On: 09/30/2014 CHECK INTO CASH PROGREXION/LEXINGTON LAW 201 KEITH ST SW STE 51 CLEVELAND, TN 37311 (423) 479-2400 330 CUTLER DR # NO NORTH SALT LAK, UT 84054 (855) 255-0139 Requested On: 07/07/2014, 12/08/2012 Permissible Purpose: CREDIT MONITORING Requested On: 08/22/2014 Permissible Purpose: COLLECTION PROGREXION/LEXINGTON LAW PROGREXION via PROGREXION/LEXINGTON LAW 330 N CUTLER DR NORTH SALT LAK, UT 84054 (801) 384-4100 330 N CUTLER DRIVE NORTH SALT LAK, UT 84054 (801) 828-1818 Requested On: 06/17/2014, 06/16/2014, 06/11/2014, 11/20/2012 Permissible Purpose: CREDIT MONITORING Requested On: 06/06/2014 Permissible Purpose: CREDIT TRANSACTION SARA BARZ via KARMA/TRANSUNION INTERAC MIDLAND CREDIT MGMT INC 100 CROSS STREET SAN LUIS OBISP, CA 93401 (805) 782-8282 8875 AERO DR STE 200 SAN DIEGO, CA 92123 (844) 236-1959 Requested On: 05/21/2014 Permissible Purpose: CONSUMER REQUEST Requested On: 01/08/2014 Permissible Purpose: COLLECTION CREDCO PROGREXION via PROGREXION/CRDT REPAIR.C 10277 SCRIPPS RANC SAN DIEGO, CA 92131 (800) 255-0792 330 NORTH CUTLER D NORTH SALT LAK, UT 84054 (800) 232-6499 Requested On: 02/19/2013, 02/04/2013, 11/20/2012 Permissible Purpose: CONSUMER INITIATED TRANSACTION Requested On: 11/19/2012 Permissible Purpose: CREDIT TRANSACTION -End of Credit Report- Should you wish to contact TransUnion, you may do so, Online: To report an inaccuracy, please visit: dispute.transunion.com 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). -Begin Additional Information- The following disclosure of information is provided as a courtesy to you. This information is not part of your TransUnion credit report, but may be provided when TransUnion receives an inquiry about you from an authorized party. This additional information can include Special Messages, Possible Office of Foreign Assets Control ("OFAC") Name Matches and Inquiry Analysis information. Any of the previously listed information that pertains to you will be listed below. The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following information. DISCOVER BANK Requested On: 11/05/2014 SYNCB/AMAZON PL Requested On: 11/04/2014 Identifying information they provided: SARA J. BARZ 1503 W MICHIGAN ST MT PLEASANT, MI 48858-2163 Identifying information they provided: SARA J. BARZ 1503 W MICHIGAN MOUNT PLEASANT, MI 48858 (989) 400-9383 -End of Additional Information- 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 Bureau of Consumer Financial Protection over $10 billion and their affiliates. 1700 G Street, N.W. Washington, DC 20552 b. Such affiliates that are not banks, savings associations, or credit Federal Trade Commission unions also should list, in addition to the CFPB: Consumer Response Center - FCRA Washington, DC 20580 1-877-382-4357 Office of the Comptroller of the Currency 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 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 c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and Insured state savings associations d. Federal credit unions 3. Air carriers 4. Creditors Subject to Surface Transportation Board 5. Creditors subject to Packers and Stockyards Act, 1921 6. Small Business Investment Companies 7. Brokers and Dealers 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations 9. Retailers, Finance Companies, and All Other Creditors Not Listed Above Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050 Federal Reserve Consumer Help (FRCH) PO Box 1200 Minneapolis, MN 55480 FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106 National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO) 1775 Duke Street Alexandria, VA 22314 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 Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC 20423 Nearest Packers and Stockyards Administration area supervisor Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, SW, 8th Floor Washington, DC 20416 Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090 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