Sara Barz - TransUnion Personal Credit Report - 20141116 PDF

11/16/2014
File 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
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
$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<
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
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
$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:

Agreed
$14 per month, paid

$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
Remarks
AID
AID
AID
Rating
OK
OK
OK
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
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<

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:

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:

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:

Agreed
$50 per month, paid
Loan Type:
STUDENT LOAN
Date Closed:
08/12/2014
Pay Status:

Agreed
$50 per month, paid
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

PO BOX 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

PO BOX 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:

Agreed
months
09/30/2011
Rating
08/2011
07/2011
06/2011
05/2011
OK
OK
OK

PO BOX 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
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
06/2010
05/2010
04/2010
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

Agreed
$37 per month, paid
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
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
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:

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
(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:
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:
03/14/2014, 08/31/2013
Individual
CREDIT TRANSACTION
Requested On:
Inquiry Type:
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:
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

PO BOX 30281
(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
(888) 567-8688

Permissible Purpose: CREDIT MONITORING

Permissible Purpose: CONSUMER REQUEST
TRANSUNION INTERACTIVE I
CBE GROUP
100 CROSS ST
STE 202
(888) 567-8688
PO BOX 2535
WATERLOO, IA 50704
(866) 912-1312
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
(888) 567-8688

Permissible Purpose: COLLECTION
Requested On: 10/12/2014, 03/18/2014, 03/17/2014
TU INTERACTIVE
PO BOX 30281
(800) 955-7070
100 CROSS ST
#202
(888) 567-8688

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

PROGREXION/LEXINGTON LAW
PROGREXION via PROGREXION/LEXINGTON LAW
330 N CUTLER DR
(801) 384-4100
330 N CUTLER DRIVE

(801) 828-1818
Requested On: 06/17/2014, 06/16/2014, 06/11/2014, 11/20/2012


Permissible Purpose: CREDIT TRANSACTION
SARA BARZ via KARMA/TRANSUNION INTERAC
MIDLAND CREDIT MGMT INC
100 CROSS STREET

(805) 782-8282
8875 AERO DR STE 200

SAN DIEGO, CA 92123
(844) 236-1959

Permissible Purpose: CONSUMER REQUEST

CREDCO
PROGREXION via PROGREXION/CRDT REPAIR.C
10277 SCRIPPS RANC

SAN DIEGO, CA 92131
(800) 255-0792
330 NORTH CUTLER D

(800) 232-6499
Requested On: 02/19/2013, 02/04/2013, 11/20/2012

Permissible Purpose: CONSUMER INITIATED TRANSACTION

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
SYNCB/AMAZON PL
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
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.
1-202-366-1306
Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Nearest Packers and Stockyards Administration area supervisor
Associate Deputy Administrator for Capital Access
United States Small Business Administration
409 Third Street, SW, 8th Floor
Securities and Exchange Commission
100 F Street, N.E.
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
1-877-382-4357

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What addresses have been reported for this individual?

What addresses have been reported for this individual?

What employment information has been reported?

What employment information has been reported?

11/16/2014

File Number: 347953391

-Begin Credit Report-

You have been on our files since 10/01/1996

Telephone Numbers Reported:

Employment Data Reported:

SSI CHILD SPT

MICHIGAN FEDERAL COURT-B Docket# 823734

CHAPTER 7 BANKRUPTCY DISCHARGED Court Type:

ACCT INFO DISPUTED BY CONSUMR

CAPITAL ONE BANK USA NA #517805953987****

>Account 90 Days Past

CHRYSLER CAPITAL #3000011058160****

CREDIT ONE BANK #444796216718****

>Account paid in Full; was

Account Sale Info: ACCOUNT SOLD TO SOLD TO ANOTHER LENDER

DIRECT LOAN SVC SYSTEM #366845****

Current; Paid or Paying as

FEDLOAN SERVICING #5643929974FD0****

Current; Paid or Paying as

>Maximum Delinquency of 120 days in 09/2013 for

MIDLAND FUNDING LLC #853823****

Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

AARONS SALES AND LEASE O #F6141****

Current; Paid or Paying as

COMENITY BANK/EXPRESS #48239****

Current; Paid or Paying as

Remarks: CLOSED BY CREDIT GRANTOR

DEPT OF ED / NELNET #90000043689****

Current; Paid or Paying as

Current; Paid or Paying as

High Balance: High balance of $283 from 03/2014 to 08/2014

DIRECT LOAN SVC SYSTEM #70000190968****

High Balance: High balance of $1,750 from 05/2012 to 04/2013

DIRECT LOAN SVC SYSTEM #366845****

Current; Paid or Paying as

DIRECT LOAN SVC SYSTEM #366845****

FEDLOAN SERVICING #5643929974FD0****

Current; Paid or Paying as

GREEN TREE #5033****

Remarks: TRANSFERRED TO ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE

MABT - RETAIL #768600100160****

Current; Paid or Paying as

High Balance: High balance of $0 from 11/2013 to 10/2014

BARCLAYS BANK DELAWARE

CAPITAL ONE BANK USA NA

C/O PO BOX 965037

06/17/2014, 11/22/2013, 10/20/2013

CAPITAL ONE AUTO FINANCE

3905 N. DALLAS PAR

ISABELLA BANK via CBC/ISABELLA BANK

8585 NORTH STEMMON

QUICKEN LOANS via EMS QUICKEN LOANS

USDA RD - WEST BRANC via CBC/INNOVIS/CBCINNOVIS

815 EAST GATE DR