Information Account
Resume:
**/**/**** **** ******: *********
-Begin Credit Report-
You have been on our files since 04/25/2011
SSN: XXX-XX-0126 Date of Birth: 10/08/1992
Your SSN has been masked for your protection.
Names Reported: BARON M. RIEKER
Addresses Reported:
Address Date Reported
4220 ROCKY FORD RD, COLUMBUS, IN 472**-****-**/25/2011
C CO 305TH MIB N, FORT HUACHUCA, AZ 85613 06/16/2014
Telephone Numbers Reported:
812-***-**** 513-***-**** 812-***-****
Employment Data Reported:
Employer Name Position Date Verified
TOYOTA MATERIALS PRODUCTION 08/14/2013
KELLY SERVICE MACHINIST 08/14/2013
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.
PDE PAYMENT DEFERRED
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.
ARMY/AIR FORCE EXCHANGE #601*********
PO BOX 650410
DALLAS, TX 75265-0410
Pay Status: Current; Paid or Paying as
Date Opened: 06/15/2014 Balance: $1,211
Agreed
Responsibility: Individual Account Date Updated: 06/16/2014
Terms: $0 per month, paid Monthly
Account Type: Revolving Account Payment Received: $0
Loan Type: CHARGE High Balance: $1,211
ACCOUNT Credit Limit: $3,100
COMENITY BANK/BUCKLE #585*********
PO BOX 182789
COLUMBUS, OH 43218-2789
Phone number not available
Pay Status: Current; Paid or Paying as
Date Opened: 12/26/2013 Date Updated: 04/02/2014
Agreed
Responsibility: Individual Account Payment Received: $0
Terms: Paid Monthly
Account Type: Revolving Account Last Payment Made: 02/14/2014
Date Paid: 02/14/2014
Loan Type: CHARGE
ACCOUNT
High Balance: High balance of $257 from 01/2014 to 04/2014
Credit Limit: Credit limit of $300 from 01/2014 to 04/2014
04/2014 03/2014 02/2014 01/2014
Balance $0 $0 $211 $257
Scheduled $25 $25 $25
Payment
Amount Paid $0 $211 $50 $0
Past Due $0 $0 $0 $0
OK OK OK OK
Rating
CREDIT ONE BANK #444*********
PO BOX 98872
LAS VEGAS, NV 89193-8872
Pay Status: Current; Paid or Paying as
Date Opened: 01/29/2014 Date Updated: 06/04/2014
Agreed
Responsibility: Individual Account Payment Received: $0
Terms: $25 per month, paid
Account Type: Revolving Account Last Payment Made: 04/14/2014
Monthly
Loan Type: CREDIT CARD
High Balance: High balance of $81 from 02/2014 to 02/2014; $298 from 03/2014 to 06/2014
Credit Limit: Credit limit of $300 from 02/2014 to 02/2014; $500 from 03/2014 to 06/2014
06/2014 05/2014 04/2014 03/2014 02/2014
Balance $43 $0 $1 $160 $81
Scheduled $25 $1 $1 $25 $25
Payment
Amount Paid $0 $1 $160 $569 $0
Past Due $0 $0 $0 $0 $0
OK OK OK OK OK
Rating
SPEEDWAY/SUPERAMERICA #100159
POB 1590
SPRINGFIELD, OH 45501
Pay Status: Current; Paid or Paying as
Date Opened: 03/06/2013 Date Updated: 05/30/2014
Agreed
Responsibility: Individual Account Payment Received: $0
Date Paid: 04/04/2014
Account Type: Revolving Account Last Payment Made: 04/04/2014
Loan Type: CREDIT CARD
Credit Limit: Credit limit of $400 from 03/2013 to 11/2013; $400 from 04/2014 to 05/2014
05/2014 04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013
Balance $0 $0 $345 $384 $300 $293
Scheduled $69 $69 $76 $60 $58
Payment
Amount Paid $0 $334 $100 $100 $100 $71
Past Due $0 $0 $0 $0 $0 $0
High Balance $268 $268 $345 $384 $300 $293
OK OK OK OK OK OK OK OK OK OK
Rating
07/2013 06/2013 05/2013 04/2013 03/2013
Balance $359 $261 $400 $268 $0
Scheduled $71 $0 $80 $53
Payment
Amount Paid $65 $80 $53 $0 $0
Past Due $0 $0 $0 $0 $0
High Balance $359 $268 $400 $268 $0
OK OK OK OK OK
Rating
US DEPT. OF EDUCATION/GL #292*********
2401 INTERNATIONAL
POB 7859
MADISON, WI 53704
Pay Status: Current; Paid or Paying as
Date Opened: 08/19/2011 Date Updated: 05/31/2014
Agreed
Responsibility: Individual Account Payment Received: $61
Terms: $60 per month, paid
Account Type: Installment Account Last Payment Made: 05/28/2014
Monthly
Loan Type: STUDENT LOAN
05/2014 04/2014 03/2014 02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013
Balance $5,236 $5,276 $5,318 $5,352 $5,393 $5,433 $5,474 $5,516 $5,586 $5,586
Scheduled $60 $60 $60 $60 $60 $60 $60 $60 $60 $60
Payment
Amount Paid $61 $61 $61 $61 $61 $61 $61 $61 $60 $60
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $5,722 $5,722 $5,722 $5,722 $5,722 $5,722 $5,722 $5,722 $5,722 $5,722
Remarks
OK OK OK OK OK OK OK OK OK OK
Rating
07/2013 06/2013 05/2013 04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012
Balance $5,667 $5,667 $5,500 $5,500 $5,500 $5,500 $10,202 $10,202 $10,202
Scheduled $60 $60 $0 $0 $0 $0 $0 $0 $0
Payment
Amount Paid $60 $60 $0 $0 $0 $0 $0 $0 $0
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $5,722 $5,722 $5,500 $5,500 $5,500 $5,500 $10,202 $10,202 $10,202
Remarks PDE PDE PDE PDE PDE PDE PDE
OK OK X OK OK OK OK OK OK OK
Rating
09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011
Balance $10,202 $10,202 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $2,750
Scheduled $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Payment
Amount Paid $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $10,202 $10,202 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $2,750
Remarks PDE
OK OK OK OK OK OK OK OK OK OK
Rating
11/2011 10/2011 09/2011 08/2011
OK OK OK OK
Rating
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.
CHASE BANK USA N.A. CENTRA CU
PO BOX 15298 1430 NATIONAL RD
WILMINGTON, DE 19850 COLUMBUS, IN 47201
Requested On: 06/08/2014 Requested On: 02/08/2014
Inquiry Type: Individual Inquiry Type: Individual
Permissible Purpose: CREDIT TRANSACTION
SYNCB/PAYPALEXTRASMC DEERE CREDIT SERVICES
PO BOX 965***-**** EXCELSIOR DR
ORLANDO, FL 32896 PO# 410*******
866-***-**** MADISON, WI 53705
Requested On: 02/05/2014, 06/08/2013
Inquiry Type: Individual Requested On: 01/27/2014
Inquiry Type: Individual
DEERE CREDIT SERVICES CAPITAL ONE BANK USA NA
6400 NW 86TH STREE PO BOX 30281
PO# 410******* SALT LAKE CITY, UT 84130
JOHNSTON, IA 50131 800-***-****
Requested On: 09/08/2013, 10/01/2012
Requested On: 01/25/2014 Inquiry Type: Individual
Inquiry Type: Individual
HUNTINGTON NATIONAL AMERICREDIT
2361 MORSE ROAD 801 CHERRY ST
COLUMBUS, OH 43229 SUITE 3900
614-***-**** FT WORTH, TX 76102
Requested On: 08/16/2013, 08/14/2013
Inquiry Type: Individual Requested On: 08/16/2013
Inquiry Type: Individual
JPMORGAN CHASE BANK, N.A JPMORGAN CHASE BANK NA
PO BOX 901076 PO BOX 901076
FORT WORTH, TX 76101 FORT WORTH, TX 76101
Requested On: 08/15/2013 Requested On: 08/15/2013
Inquiry Type: Individual Inquiry Type: Individual
CAPITAL ONE AUTO FINANCE ACRA AUTO via CREDCO
3905 N. DALLAS PAR PO BOX 509124
PO #COAF1-222 SAN DIEGO, CA 92150
PLANO, TX 75093 800-***-****
Requested On: 08/14/2013
Requested On: 08/15/2013 Inquiry Type: Individual
Inquiry Type: Individual Permissible Purpose: CREDIT TRANSACTION
CRESCENT BANK-BATON ROUG SANTANDER CONSUMER USA
4870 BLUEBONNET BL 8585 NORTH STEMMON
APT A DALLAS, TX 75060
BATON ROUGE, LA 70809 855-***-****
Requested On: 08/14/2013
Requested On: 08/14/2013 Inquiry Type: Individual
Inquiry Type: Individual
CHRYSLER CAPITAL BMO HARRIS BK N.A.
8585 N STEMMONS FW 3800 GOLF RD
DALLAS, TX 75247 ROLLING MEADOW, IL 60008
Requested On: 08/14/2013 Requested On: 08/14/2013
Inquiry Type: Individual Inquiry Type: Individual
FIFTH THIRD BANK CENTRA CU
38 FOUNTAIN SQUARE 1430 NATIONAL RD
CINCINNATI, OH 45263 COLUMBUS, IN 47201
Requested On: 08/14/2013 Requested On: 08/10/2013
Inquiry Type: Individual Inquiry Type: Individual
GARLITCH FORD CHRYSL via BRYAN BOWMAN INC BARCLAYS BANK DELAWARE
2795 N STATE HWY 7 PO BOX 8803
NORTH VERNON, IN 47265 WILMINGTON, DE 19899
Requested On: 08/10/2013 Requested On: 08/07/2013
Inquiry Type: Individual Inquiry Type: Individual
Permissible Purpose: CREDIT TRANSACTION
CENTRA CU CENTRAL KY TRUCK AND via CENTRAL KENTUCKY
1430 NATIONAL RD TRUCK &
COLUMBUS, IN 47201 3585 COLONEL ROAD
812-***-**** RICHMOND, KY 40475
Requested On: 08/06/2013
Inquiry Type: Participant Requested On: 06/24/2013
Permissible Purpose: CREDIT TRANSACTION Inquiry Type: Individual
Permissible Purpose: CREDIT TRANSACTION
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.
ONEMAIN FINANCIAL MABT CONTINENTAL FINANCE
300 SAINT PAUL PL PO BOX 8099
BSP13A NEWARK, DE 19713
BALTIMORE, MD 21202 866-***-****
Requested On: 02/15/2014
Requested On: 03/28/2014, 02/21/2014
FIRST PREMIER
3820 N LOUISE AVE
SIOUX FALLS, SD 57107-0145
Requested On: 01/17/2014
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).
BARON RIEKER via KARMA/TRANSUNION INTERAC CENTRA CU
100 CROSS STREET 4610 E 25TH ST
SAN LUIS OBISP, CA 93401 COLUMBUS, IN 47202
Requested On: 05/23/2014 Requested On: 04/22/2014
Permissible Purpose: CONSUMER REQUEST Permissible Purpose: TO ACQUIRE/SERVICE/INSURE ACCOUNT
CENTRA CREDIT UNION FISERV/CHECKFREE CORP
PO BOX 789 6000 PERIMETER DR
COLUMBUS, IN 47201 DUBLIN, OH 43017-3233
Requested On: 03/07/2014 Requested On: 01/22/2014
Permissible Purpose: TO ACQUIRE/SERVICE/INSURE ACCOUNT
CP US OPM via CHOICEPOINT/OPM BARON RIEKER via TRANSUNION INTERACTIVE
1000 ALDERMAN DRIV 100 CROSS STREET #
ALPHARETTA, GA 30005 SAN LUIS OBISP, CA 93401
Phone number not available 800-***-****
Requested On: 11/05/2013 Requested On: 08/12/2013
Permissible Purpose: EMPLOYMENT Permissible Purpose: CONSUMER REQUEST
-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:
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.
Identifying information they provided:
CHASE BANK USA N.A.
BARON M. RIEKER
Requested On: 06/08/2014 4220 ROCKY FORD RD
COLUMBUS, IN 47203
-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-***-****
(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
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 Customer Assistance Group 3450
1301 McKinney Street, Suite
and federal agencies of foreign banks Houston, TX 77010-9050
b. State member banks, branches and agencies of foreign banks Federal Reserve Consumer Help (FRCH)
(other than federal branches, federal agencies, and insured state PO Box 1200
branches of foreign banks), commercial lending companies owned or Minneapolis, MN 55480
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 FDIC Consumer Response Center
Banks, and Insured state savings associations 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
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 Farm Credit Administration
Intermediate Credit Banks, and Production Credit Associations 1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed FTC Regional Office for region in which the creditor operates or
Above Federal Trade Commission: Consumer Response Center-FCRA
Washington, DC 20580
Information Regarding State Laws
Indiana Residents
INDIANA NOTICE OF RIGHTS
"Under IC 24-5-24, you may obtain a Security Freeze on your consumer report to protect your privacy and ensure that credit is not granted in
your name without your knowledge. The Security Freeze will prohibit a consumer reporting agency from releasing any information in your
consumer report without your express authorization or approval.
The Security Freeze is designed to prevent credit loans and services from being approved in your name without your consent. When you place
a Security Freeze on your consumer report, within ten (10) business days you will be provided a personal identification number to use if you
choose to remove the Security Freeze or to temporarily authorize the release of your consumer report for a period of time or to a specific
person after the Security Freeze is in place. A Security Freeze does not apply to persons or entities listed in IC 24-5-24-11. If you are actively
seeking credit, you should understand that the procedures involved in lifting a Security Freeze may slow your own applications for credit. You
have a right to bring a civil action against someone who violates your rights under IC 24-5-24."
Contact this candidate