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Information Account

Location:
Tucson, AZ
Posted:
September 13, 2014

Contact this candidate

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

800-***-****

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

877-***-****

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

800-***-****

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

800-***-****

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

800-***-**** 812-***-****

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

800-***-****

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-***-****

515-***-****

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

817-***-****

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

877-***-**** 800-***-****

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-***-****

888-***-****

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-***-****

800-***-****

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

800-***-**** 888-***-****

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

513-***-**** 812-***-****

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

812-***-**** 866-***-****

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

859-***-****

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-***-****

800-***-****

Requested On: 02/15/2014

Requested On: 03/28/2014, 02/21/2014

FIRST PREMIER

3820 N LOUISE AVE

SIOUX FALLS, SD 57107-0145

800-***-****

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

805-***-**** 812-***-****

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

812-***-**** 614-***-****

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:

800-***-****

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

812-***-****

-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

1-877-***-****

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

1-202-***-****

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

1-877-***-****

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."



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