Michael Hermansen Tranny

Report Created On: 09/27/2018
File Number: 392072595
You have been on our files since 01/01/1983

SSN: XXX-XX-9770 Date of Birth: 11/27/1960
Your SSN has been masked for your protection.
Names Reported: MICHAEL HAROLD HERMANSEN, MIKE HERMANSEN and MICHEAL H. HERMANSEN
Addresses Reported:
Address Date Reported
2806 OASIS CIR, HENDERSON, NV 89074-3227 10/17/2014
2336 GONDI CASTLE AVE, HENDERSON, NV 89044-0328 07/12/2013
1711 CORNWALLIS PKWY, CAPE CORAL, FL 33904-4057 01/07/2010
1048 DOLPHIN DR, CAPE CORAL, FL 33904-5975 01/01/2001
1305 SE 29TH TER, CAPE CORAL, FL 33904-3927 12/01/2000
2713 PUEBLO DR, MCHENRY, IL 60051-9240
202 SE 43RD TER, CAPE CORAL, FL 33904-8425 07/19/2012
3732 SE 1ST AVE, CAPE CORAL, FL 33904-4109 09/20/2010
Telephone Numbers Reported:

(702) 353-0053 (239) 541-4669 (239) 634-5205 (239) 638-5205 (702) 701-2532 (239) 549-0184 (725) 600-2233
(702) 567-0603 (702) 407-8870 (847) 848-0500 (239) 540-5718 (239) 292-7253 (239) 823-2564 (815) 455-6610
Employment Data Reported:

Employer Name Position Date Verified
UNITED AIRLINES PILOT 07/16/2016
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.
CBC ACCOUNT CLOSED BY CONSUMER CLO CLOSED
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.
ALLY FINANCIAL #61192446****

P.O. BOX 380901
BLOOMINGTON, MN 55438
(888) 925-2559
Date Opened: 07/16/2016 Date Updated: 03/30/2018 Pay Status: Current; Paid or Paying as
Responsibility: Individual Account Payment Received: $0 Agreed
Page 1 of 18
Account Type: Installment Account Last Payment Made: 03/28/2018 Terms: $0 per month, paid Monthly
Loan Type: AUTOMOBILE for 75 months
Date Closed: 03/30/2018
High Balance: High balance of $40,519 from 07/2016 to 03/2018

Remarks: CLOSED
03/2018 02/2018 01/2018 12/2017 11/2017 10/2017 09/2017 08/2017 07/2017 06/2017
Balance $0 $31,408 $31,826 $32,347 $32,812 $33,064 $33,064 $33,064 $33,064 $33,064
Scheduled $0 $631 $631 $631 $631 $631 $631 $631 $631 $631
Payment
Amount Paid $0 $631 $631 $631 $631 $0 $349 $0 $0 $1,200
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016 10/2016 09/2016 08/2016
Balance $34,194 $35,250 $36,087 $37,295 $37,741 $38,241 $38,682 $39,122 $39,607 $39,701
Scheduled $631 $631 $631 $631 $631 $631 $631 $631 $631 $631
Payment
Amount Paid $1,200 $1,000 $1,300 $631 $631 $631 $631 $631 $262 $1,000
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
07/2016
Balance $40,519
Scheduled $631
Payment
Amount Paid $0
Past Due $0
Rating OK
BANK OF AMERICA #5920204426****

PO BOX 45144
JACKSONVILLE, FL 32231
(800) 215-6195
Account Type: Installment Account Last Payment Made: 08/16/2018 Terms: $585 per month, paid
Monthly for 240 months
Loan Type: RECREATIONAL
MERCHANDISE
Page 2 of 18
08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017 11/2017
Balance $76,329 $76,494 $76,660 $76,836 $76,998 $77,173 $77,333 $77,534 $77,694 $77,854
Scheduled $585 $585 $585 $585 $585 $585 $585 $585 $585 $585
Payment
Amount Paid $585 $0 $585 $585 $585 $585 $585 $585 $0 $341
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
10/2017 09/2017 08/2017 07/2017 06/2017
Balance $77,784 $77,359 $77,547 $78,121 $78,674
Scheduled $585 $585 $585 $585 $585

Payment
Amount Paid $0 $600 $1,000 $985 $0
Past Due $0 $0 $0 $0 $0
Rating OK OK OK OK OK
BARCLAYS BANK DELAWARE #00029400015****

125 S WEST ST
WILMINGTON, DE 19801
(866) 370-5931
Account Type: Revolving Account Terms: Paid Monthly
Loan Type: FLEXIBLE
SPENDING CREDIT
CARD
High Balance: High balance of $0 from 09/2017 to 10/2017; $95 from 11/2017 to 09/2018
Credit Limit: Credit limit of $20,000 from 09/2017 to 09/2018
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017
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
11/2017 10/2017 09/2017
Balance $0 $0 $0
Amount Paid $0 $0 $0
Past Due $0 $0 $0
Rating OK OK OK
CAPITAL ONE BANK USA NA #517805813542****

10700 Capital One Way
Richmond, VA 23060
(800) 955-7070
Page 3 of 18
Responsibility: Individual Account Last Payment Made: 08/07/2018 Agreed
Account Type: Revolving Account Terms: $25 per month, paid
Loan Type: CREDIT CARD Monthly
Credit Limit: Credit limit of $6,300 from 03/2016 to 09/2018
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017
Balance $254 $0 $261 $259 $34 $71 $305 $712 $216 $144
Scheduled $25 $25 $25 $25 $25 $25 $25 $25 $25
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286
11/2017 10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017
Balance $2,070 $4,124 $3,531 $535 $721 $611 $378 $1,055 $1,066 $6,141
Scheduled $104 $123 $85 $25 $25 $25 $25 $35 $60 $183
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,286 $6,141
01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016
Balance $4,140 $5,327 $5,006 $4,197 $2,543 $2,218 $916 $1,784 $0 $206
Scheduled $149 $142 $145 $117 $77 $31 $26 $25 $25
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $5,363 $5,327 $5,006 $4,197 $3,511 $3,511 $3,471 $3,471 $3,471 $3,471
03/2016 02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015
05/2015 04/2015 03/2015 02/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014
07/2014 06/2014 05/2014 04/2014 03/2014
Rating OK OK OK OK OK
CAPITAL ONE BANK USA NA #400344975505****

10700 Capital One Way
Richmond, VA 23060
(800) 955-7070
Terms: $25 per month, paid
Page 4 of 18
Account Type: Revolving Account Monthly
Loan Type: CREDIT CARD
Credit Limit: Credit limit of $3,500 from 03/2016 to 01/2018; $6,500 from 02/2018 to 09/2018
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017
Balance $1,418 $124 $263 $3,028 $2,130 $3,875 $1,039 $2,678 $1,524 $646
Scheduled $25 $25 $25 $58 $64 $38 $30 $58 $25 $25
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $4,967 $4,967 $4,967 $4,967 $4,099 $3,875 $3,679 $3,679 $3,679 $3,679
11/2017 10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017
Balance $2,059 $3,051 $1,766 $1,094 $1,157 $1,374 $2,456 $1,661 $1,620 $3,211
Scheduled $84 $88 $42 $25 $25 $25 $25 $29 $57 $89
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $3,679 $3,679 $3,418 $3,418 $3,418 $3,418 $3,418 $3,418 $3,418 $3,418
01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016
Balance $2,289 $2,574 $2,717 $2,355 $2,620 $1,504 $822 $135 $580 $736
Scheduled $64 $78 $76 $71 $76 $35 $25 $25 $25 $25
Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $3,418 $3,060 $3,060 $3,060 $3,060 $2,206 $2,206 $2,206 $2,206 $2,206
03/2016 02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015
Rating OK OK OK OK OK OK OK OK OK
CITICARDS CBNA #546616035631****

POB 6241
SIOUX FALLS, SD 57117
(888) 248-4728
Account Type: Revolving Account Terms: Paid Monthly
Date Paid: 08/16/2018
Loan Type: FLEXIBLE
SPENDING CREDIT
CARD
Credit Limit: Credit limit of $17,000 from 06/2017 to 01/2018; $22,000 from 02/2018 to 02/2018; $22,000 from 04/2018 to 09/2018
Page 5 of 18
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017
Balance $0 $186 $29 $2,061 $6,613 $7,009 $4,469 $4,995 $78
Scheduled $25 $29 $72 $169 $149 $128 $119 $78

Payment
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $7,256 $7,256 $7,256 $7,256 $7,256 $7,256 $7,256 $7,256 $7,256
11/2017 10/2017 09/2017 08/2017 07/2017 06/2017
Balance $7,256 $6,760 $7,208 $921 $3,514 $1,215
Scheduled $203 $186 $144 $40 $52 $25

Payment
Past Due $0 $0 $0 $0 $0 $0
High Balance $7,256 $7,208 $7,208 $3,514 $3,514 $1,215
Rating OK OK OK OK OK OK
CITICARDS CBNA #542418077001****

POB 6241
SIOUX FALLS, SD 57117
(888) 248-4728
Date Opened: 04/02/2008 Balance: $0 Pay Status: Current; Paid or Paying as

Responsibility: Individual Account Date Updated: 03/08/2010 Agreed
Account Type: Revolving Account Last Payment Made: 12/01/2008 Terms: Paid Monthly
Loan Type: CREDIT CARD Credit Limit: $500
Date Paid: 12/01/2008
Remarks: ACCOUNT CLOSED BY CONSUMER; CLOSED
02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009
04/2009 03/2009 02/2009 01/2009 12/2008 11/2008 10/2008 09/2008 08/2008 07/2008
06/2008 05/2008 04/2008
Rating OK OK OK
COMENITY BANK/VCTRSSEC #585637514713****

PO BOX 182789
COLUMBUS, OH 43218-2789
(800) 695-9478
Date Paid: 03/24/2018
Loan Type: CHARGE
ACCOUNT
Page 6 of 18
08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017 11/2017
Balance $0 $0 $0 $0 $0 $94 $0 $118 $215 $92
Scheduled $27 $27 $10 $27

Payment
Amount Paid $94 $94 $94 $94 $94 $0 $118 $100 $0 $27
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Credit Limit $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $4,400 $4,400
10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017 01/2017
Balance $119 $144 $0 $115 $213 $493 $128 $99 $204 $173
Scheduled $27 $27 $27 $27 $27 $5 $27 $10 $27

Payment
Amount Paid $27 $0 $115 $100 $200 $128 $0 $204 $0 $100
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Credit Limit $4,400 $4,400 $4,400 $3,750 $3,750 $3,750 $3,000 $3,000 $3,000 $3,000
12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016 03/2016
Balance $226 $321 $341 $360 $69 $94 $237 $332 $425
Scheduled $27 $27 $27 $27 $27 $27 $27 $25 $25
Payment
Amount Paid $100 $27 $27 $100 $27 $100 $100 $100 $100
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0
Credit Limit $3,000 $3,000 $3,000 $2,850 $2,850 $2,200 $2,200 $2,200 $1,450
02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015
04/2015 03/2015 02/2015 01/2015 12/2014 11/2014
CREDIT ONE BANK #546645112302****

PO BOX 98872
LAS VEGAS, NV 89193-8872
(877) 825-3242
Date Paid: 04/11/2017
Credit Limit: Credit limit of $500 from 03/2016 to 02/2017; $700 from 03/2017 to 05/2017; $700 from 11/2017 to 11/2017
Page 7 of 18
11/2017 10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017
Balance $0 $0 $5 $238 $400
Scheduled $5 $25 $25

Payment
Amount Paid $0 $0 $425 $411 $34
Past Due $0 $0 $0 $0 $0
High Balance $425 $425 $425 $414 $414

CBC CBC
Remarks CLO CLO CBC
01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016
Balance $232 $363 $116 $75 $0 $0 $0 $0 $0 $0
Scheduled $25 $25 $25 $25

Payment
Amount Paid $200 $0 $25 $0 $0 $0 $0 $0 $0 $80
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $391 $363 $204 $204 $204 $204 $204 $204 $204 $204
03/2016 02/2016
Balance $55
Scheduled $25
Payment
Amount Paid $295
Past Due $0
High Balance $204
Rating OK OK
CREDIT ONE BANK #444796225866****

PO BOX 98872
LAS VEGAS, NV 89193-8872
(877) 825-3242
Date Paid: 04/07/2017
Credit Limit: Credit limit of $1,050 from 03/2016 to 08/2016; $1,300 from 09/2016 to 02/2017; $1,550 from 03/2017 to 04/2017; $1,550 from 08/2017 to 08/2017
Page 8 of 18
08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016
Balance $0 $0 $1 $808 $109 $179 $345
Scheduled $1 $41 $25 $25 $25

Payment
Amount Paid $0 $1 $828 $100 $100 $200 $100
Past Due $0 $0 $0 $0 $0 $0 $0
CBC CBC
Remarks CLO CLO CBC
10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016 03/2016 02/2016 01/2016
Balance $409 $29 $42 $5 $0 $115 $74 $48
Scheduled $25 $25 $25 $5 $25 $25 $25

Payment
Amount Paid $29 $42 $11 $0 $50 $73 $121 $244
Past Due $0 $0 $0 $0 $0 $0 $0 $0
12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015
02/2015 01/2015 12/2014 11/2014 10/2014 09/2014
ELI LILLY FCU #54100278****

225 S EAST ST
SUITE 300
INDIANAPOLIS, IN 46202-4058
(317) 524-5100
Loan Type: AUTOMOBILE
08/2018 07/2018 06/2018 05/2018 04/2018 03/2018
Balance $23,801 $24,116 $24,436 $24,759 $25,069 $25,347
Scheduled $394 $394 $394 $394 $394 $394

Payment
Amount Paid $394 $394 $394 $394 $394 $0
Past Due $0 $0 $0 $0 $0 $0
FIRST PREMIER BANK #517800650695****
Page 9 of 18
3820 N LOUISE AVE
SIOUX FALLS, SD 57107-0145
(800) 987-5521
Date Paid: 05/20/2017
Credit Limit: Credit limit of $450 from 03/2016 to 11/2016; $750 from 12/2016 to 06/2017; $750 from 08/2017 to 08/2017
08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016
Balance $0 $0 $66 $165 $67 $161 $127 $318 $192
Scheduled $30 $30 $30 $30 $30 $30 $30

Payment
Amount Paid $0 $66 $135 $0 $434 $200 $200 $192 $200
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance $465 $465 $465 $465 $465 $414 $414 $414 $360
CBC CBC
Remarks CLO CLO CBC
10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016 03/2016 02/2016 01/2016
Balance $346 $265 $213 $67 $133 $107 $199 $6
Scheduled $30 $30 $30 $30 $30 $30 $30 $6

Payment
Amount Paid $150 $100 $67 $133 $107 $199 $6 $90
Past Due $0 $0 $0 $0 $0 $0 $0 $0
High Balance $346 $345 $345 $345 $345 $345 $345 $345
12/2015 11/2015 10/2015 09/2015 08/2015 07/2015 06/2015 05/2015 04/2015 03/2015
02/2015 01/2015 12/2014 11/2014
Rating OK OK OK OK
FORD MOTOR CREDIT #5607****

POB 542000
OMAHA, NE 68154
(800) 727-7000
Loan Type: AUTO LEASE
Page 10 of 18
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018
Balance $11,599 $11,999 $12,399 $12,799 $13,199 $13,598 $13,998
Scheduled $399 $399 $399 $399 $399 $399 $399

Payment
Amount Paid $399 $399 $399 $399 $399 $399 $399
Past Due $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK
MECHANICS BANK FKA CRB #5010012489623****

P.O BOX 25085
SANTA ANA, CA 92799
(855) 272-2886
Loan Type: AUTOMOBILE
High Balance: High balance of $21,608 from 03/2016 to 03/2016; $21,608 from 05/2016 to 04/2017
Remarks: CLOSED
04/2017 03/2017 02/2017 01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016
Balance $0 $15,536 $15,815 $15,823 $15,734 $15,645 $15,558 $15,469 $15,383 $15,293
Scheduled $368 $368 $368 $368 $368 $368 $368 $368 $368 $368
Payment
Amount Paid $0 $368 $89 $0 $0 $0 $0 $0 $0 $1,200
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
06/2016 05/2016 04/2016 03/2016 02/2016 01/2016 12/2015 11/2015
Balance $16,399 $17,304 $18,101
Scheduled $368 $368 $368

Payment
Amount Paid $1,000 $0 $1,000
Past Due $0 $0 $0
Rating OK OK OK OK OK OK OK OK
NEW YORK COMMUNITY BANK #10575**

1801 E 9TH ST OH99-0503
CLEVELAND, OH 44114
(888) 696-4444
Date Opened: 07/21/2008 Balance: $0 Pay Status: Current; Paid or Paying as

Responsibility: Individual Account Date Updated: 11/03/2008 Agreed
Account Type: Mortgage Account Payment Received: $0 Terms: $623 per month, paid
Loan Type: CONVENTIONAL Last Payment Made: 09/29/2008
REAL ESTATE High Balance: $93,750
MTG
Mortgage Info: Fannie Mae ID #100162500010575984 Acct #1707513519

Remarks: TRANSFERRED TO ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE
Page 11 of 18
10/2008 09/2008
Rating OK X
SYNCB/JC PENNEY #600889336389****

PO BOX 965007
ORLANDO, FL 32896-5007
(866) 227-5213
Date Paid: 08/01/2017
Loan Type: CHARGE
ACCOUNT
Credit Limit: Credit limit of $800 from 03/2016 to 05/2016; $1,000 from 06/2016 to 09/2018
09/2018 08/2018 07/2018 06/2018 05/2018 04/2018 03/2018 02/2018 01/2018 12/2017
Balance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Scheduled
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
11/2017 10/2017 09/2017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017
Balance $0 $0 $0 $0 $130 $127 $0 $0 $0 $0
Scheduled $25 $25

Payment
Amount Paid $0 $0 $0 $130 $100 $100 $0 $0 $0 $0
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016
Balance $0 $0 $0 $0 $0 $0 $0 $0 $0 $93
Scheduled $25
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
03/2016
Rating 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.
Page 12 of 18
QUICKEN LOANS via EMSEQUIFAX MORTGAGE SVCS GAUDIN FORD via 700CRGAUDIN FORD
815 EAST GATE DR STE 102 6625 ROY HORN WY
E GATE CORPORATE CENTER LAS VEGAS, NV 89118
MOUNT LAUREL, NJ 08054 Phone number not available
(800) 333-0037
Requested On: 02/27/2018
Requested On: 08/20/2018 Inquiry Type: Individual
Inquiry Type: Individual Permissible Purpose: CREDIT TRANSACTION
Permissible Purpose: CREDIT TRANSACTION
DLRMKTFAIRWAY CHEVROLET BARCLAYS BANK DELAWARE

3100 E SAHARA AVE PO BOX 8803
LAS VEGAS, NV 89104 WILMINGTON, DE 19899
Phone number not available (866) 370-5931
Requested On: 02/22/2018 Requested On: 09/01/2017

Inquiry Type: Individual Inquiry Type: Individual
Permissible Purpose: CONSUMER INITIATED
TRANSACTION
MIKE THOMPSON RV CEN via ODEMIKE THOMPSON RV

CTR
13940 FIRESTONE BLVD
SANTA FE SPRINGS, CA 90670
Phone number not available

Inquiry Type: Individual
Permissible Purpose: CREDIT TRANSACTION
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).
BANK OF AMERICA MICHAEL HERMANSEN via TRANSUNION INTERACTIVE

9000 SOUTHSIDE BLV 100 CROSS STREET 202
BLDG 600 SAN LUIS OBISPO, CA 93401
JACKSONVILLE, FL 32256 (844) 580-6816
(800) 215-6195
Requested On: 09/24/2018 Permissible Purpose: CONSUMER REQUEST
MIDLAND CREDIT MGMT CAVALRY PORTFOLIO SERVIC

2365 NORTHSIDE DRIVE 500 SUMMIT LAKE
SUITE 300 SUITE 400
SAN DIEGO, CA 92108 VALHALLA, NY 10595
(800) 825-8131 (800) 501-0909
Requested On: 09/16/2018, 09/14/2018, 09/13/2018, 09/21/2017, 09/17/2017, Requested On: 09/13/2018
09/16/2017, 10/14/2016
Permissible Purpose: COLLECTION
SYNCB/JC PENNEY CAPITAL ONE, N.A.

PO BOX 965007 10700 CAPITAL ONE WAY
ORLANDO, FL 32896-5007 RICHMOND, VA 23060
(866) 227-5213 (800) 955-7070
Page 13 of 18
PORTFOLIO RECOVERY ASSOCIATES BARCLAYS BANK DELAWARE

140 CORPORATE BLVD 125 S WEST ST
NORFOLK, VA 23502 WILMINGTON, DE 19801
(844) 675-3407 (866) 370-5931
BARCLAYS BANK DE CREDITWISE CAPONETUI

P.O. BOX 8803 1680 CAPITAL ONE DRIVE
WILMINGTON, DE 19899 MCLEAN, VA 22102
(866) 370-5931 (877) 383-4802
T-MOBILE ER SOLUTIONS
12920 SE 38TH ST P O BOX 9004
BELLEVIEW, WA 98006 RENTON, WA 98057
(800) 937-8997 (800) 444-8485
SAFECO INS AUTO AUTO APPROVE LLC

SAFECO PLAZA 10939 89TH AVE N
1001 FOURTH AVENUE MAPLE GROVE, MN 55369
SEATTLE, WA 98154 (844) 946-7334
(888) 398-8924
Permissible Purpose: INSURANCE UNDERWRITING
CAPTIAL ONE FBCS INC

PO BOX 259407 330 S WARMINSTER RD
PLANO, TX 75025 SUITE 353
(800) 689-1789 HATBORO, PA 19040
(800) 220-2018
Requested On: 03/05/2018, 02/23/2018
ENHANCED RECOVERY COMPANY NATIONAL GENERAL INS

8014 BAYBERRY ROAD 500 W 5TH ST
JACKSONVILLE, FL 32256 WINSTON SALEM, NC 27101
(800) 942-0015 (877) 468-3466
Requested On: 08/30/2017 Requested On: 06/18/2017, 06/02/2017

Permissible Purpose: INSURANCE UNDERWRITING
FAIRWAY CAPITAL RECOVERY FINANCIAL REC SERVICES

6906 PLAINFIELD RD PO BOX 385908
CINCINNATI, OH 45241 MINNEAPOLIS, MN 55438
(866) 734-1615 (877) 288-9426
Requested On: 01/16/2017, 01/15/2017 Requested On: 12/02/2016
DEBT RECOVERY SOLUTIONS

900 MERCHANTS CONCOURSE
SUITE LL-11
WESTBURY, NY 11590
(516) 228-7100
Page 14 of 18
Permissible Purpose: COLLECTION
Your credit report contains the following messages.
PROMOTIONAL OPT-OUT: This file has been opted out of promotional lists supplied by TransUnion.
(Note: This opt-out has no expiration date.)
The following disclosure of information might pertain to you. This additional information may include Special Messages, Office of Foreign Assets Control ("OFAC") Potential Name
Matches, Inquiry Analysis, Military Lending Act ("MLA") Covered Borrower Information, and/or Third Party Supplemental Information. Authorized parties may also receive the additional
information below from TransUnion.
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.
QUICKEN LOANS via EMSEQUIFAX MORTGAGE SVCS Identifying information they provided:
MICHAEL HERMANSEN
Requested On: 08/20/2018 2806 OASIS CIR
HENDERSON, NV 89074-3227
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 19016-2000
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).
Page 15 of 18
Para informacion en espanol, visite www.consumerfinance.gov 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).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 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 on 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 more 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).
■
CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE. You have a right to place a "security freeze" on your credit
report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express
authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your
Page 16 of 18
consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial
information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you
make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with
which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the
account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account
upgrades and enhancements.
■
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no
cost. An initial fraud alert is a 1-year alert that is placed on a consumer's credit file. Upon seeing a fraud alert display on a consumer's
credit file, a business is required to take steps to verify the consumer's identity before extending new credit. If you are a victim of
identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
■
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. You may also have
the right to file suit under state law.
■
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 over $10 Bureau of Consumer Financial Protection
billion and their affiliates 1700 G Street NW
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit unions also Federal Trade Commission
should list, in addition to the CFPB: Consumer Response Center - FCRA
Washington, DC 20580 1-877-382-4357
2. To the extent not included in item 1 above: Office of the Comptroller of the Currency
a. National banks, federal savings associations, and federal branches and federal Customer Assistance Group
agencies of foreign banks 1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
b. State member banks, branches and agencies of foreign banks (other than federal Federal Reserve Consumer Help (FRCH)
branches, federal agencies, and insured state branches of foreign banks), PO Box 1200
commercial lending companies owned or controlled by foreign banks, and Minneapolis, MN 55480 1-888-851-1920
organizations operating under section 25 or 25A of the Federal Reserve Act
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and FDIC Consumer Response Center
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 1-202-366-1306
4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
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
Page 17 of 18
United States Small Business Administration
409 Third Street, SW, 8th Floor
7. Brokers and Dealers Securities and Exchange Commission
100 F Street NE
8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Farm Credit Administration
Credit Banks, and Production Credit Associations 1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above 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
Page 18 of 18

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Report Created On: 09/27/2018

File Number: 392072595

You have been on our files since 01/01/1983

Telephone Numbers Reported:

Employment Data Reported:

CBC ACCOUNT CLOSED BY CONSUMER CLO CLOSED

ALLY FINANCIAL #61192446****

High Balance: High balance of $40,519 from 07/2016 to 03/2018

Amount Paid $0 $631 $631 $631 $631 $0 $349 $0 $0 $1,200

BANK OF AMERICA #5920204426****

High Balance: High balance of $78,507 from 06/2017 to 08/2018

10/2017 09/2017 08/2017 07/2017 06/2017

Balance $77,784 $77,359 $77,547 $78,121 $78,674

Scheduled $585 $585 $585 $585 $585

Amount Paid $0 $600 $1,000 $985 $0

BARCLAYS BANK DELAWARE #00029400015****

11/2017 10/2017 09/2017

CAPITAL ONE BANK USA NA #517805813542****

Credit Limit: Credit limit of $6,300 from 03/2016 to 09/2018

07/2014 06/2014 05/2014 04/2014 03/2014

CAPITAL ONE BANK USA NA #400344975505****

03/2016 02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 07/2015

CITICARDS CBNA #546616035631****

Balance $0 $186 $29 $2,061 $6,613 $7,009 $4,469 $4,995 $78

Scheduled $25 $29 $72 $169 $149 $128 $119 $78

11/2017 10/2017 09/2017 08/2017 07/2017 06/2017

Balance $7,256 $6,760 $7,208 $921 $3,514 $1,215

Scheduled $203 $186 $144 $40 $52 $25

High Balance $7,256 $7,208 $7,208 $3,514 $3,514 $1,215

CITICARDS CBNA #542418077001****

Date Opened: 04/02/2008 Balance: $0 Pay Status: Current; Paid or Paying as

Remarks: ACCOUNT CLOSED BY CONSUMER; CLOSED

06/2008 05/2008 04/2008

COMENITY BANK/VCTRSSEC #585637514713****

Balance $0 $0 $0 $0 $0 $94 $0 $118 $215 $92

Scheduled $27 $27 $10 $27

Scheduled $27 $27 $27 $27 $27 $5 $27 $10 $27

Amount Paid $27 $0 $115 $100 $200 $128 $0 $204 $0 $100

04/2015 03/2015 02/2015 01/2015 12/2014 11/2014

CREDIT ONE BANK #546645112302****

Balance $0 $0 $5 $238 $400

Scheduled $5 $25 $25

Amount Paid $0 $0 $425 $411 $34

High Balance $425 $425 $425 $414 $414

Balance $232 $363 $116 $75 $0 $0 $0 $0 $0 $0

Scheduled $25 $25 $25 $25

Amount Paid $200 $0 $25 $0 $0 $0 $0 $0 $0 $80

Amount Paid $295

High Balance $204

CREDIT ONE BANK #444796225866****

Balance $0 $0 $1 $808 $109 $179 $345

Scheduled $1 $41 $25 $25 $25

Amount Paid $0 $1 $828 $100 $100 $200 $100

Balance $409 $29 $42 $5 $0 $115 $74 $48

Scheduled $25 $25 $25 $5 $25 $25 $25

Amount Paid $29 $42 $11 $0 $50 $73 $121 $244

02/2015 01/2015 12/2014 11/2014 10/2014 09/2014

ELI LILLY FCU #54100278****

High Balance: High balance of $25,347 from 03/2018 to 08/2018

08/2018 07/2018 06/2018 05/2018 04/2018 03/2018

Balance $23,801 $24,116 $24,436 $24,759 $25,069 $25,347

Scheduled $394 $394 $394 $394 $394 $394

Amount Paid $394 $394 $394 $394 $394 $0

FIRST PREMIER BANK #517800650695****