Michael Gruesen (1)
Michael Gruesen (1)
MICHAEL GRUESEN
File Number:
332709709
Date Created:
01/15/2025
If you are experiencing a financial hardship related to a public health emergency or your personal circumstances, you can add
a consumer statement to your credit file to explain your situation by visiting us at www.transunion.com/credit-help .
Personal Information
You have been on our files since 02/01/1986. Your SSN has been masked for your protection.
01/15/2025
XXX-XX-3750
Date of Birth
11/28/1965
Name
MICHAEL J. GRUESEN
Also Known As
AKA
AKA
MICHAEL GRUESSEN
Addresses
Current Address
03/19/2013
Other Address
Date Reported
09/01/1998
Other Address
Other Address
Date Reported
09/08/2011
Other Address
Date Reported
07/31/2010
Other Address
Date Reported
06/01/2001
Phone Numbers
Phone Number
(920) 819-3561
Phone Number
(920) 869-3734
Phone Number
(920) 498-4200
Phone Number
(920) 433-8328
Employers
Employer
MICHAEL J GRUESEN DO SC
Date Verified
04/11/2006
GBAA SC
Date Verified
03/10/2006
Date Verified
08/01/1998
PHILA COLLEGE
Date Verified
10/01/1990
Accounts
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 rating key is provided to help you understand some of the account
information that could be reported. Pay Status represents the current status of accounts and indicates how you are currently
paying. For accounts that have been paid and closed, sold, or transferred, Pay Status represents the last reported status of
the account.
TransUnion is now including some Buy Now, Pay Later (BNPL) installment loans, also known as a "point-of-sale installment
loans" on credit reports. At this time, BNPL information provided to TransUnion is visible to you, but scoring providers,
lenders, insurers or other authorized companies that may access your credit report will not be able to use this data. As a
result, it will not affect credit decisions or credit scores calculated using TransUnion data. In the future, Buy Now, Pay
Later may be factored in to credit scores and credit decisions (for example, account opening or account review decisions).
Visit our FAQs to learn more.
Payment/Remarks Key
Ratings
X Unknown
VS Voluntarily surrendered
RPO Repossession
FC Foreclosure
Remarks
Satisfactory Accounts
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.
Account Name
Account Information
101 N TRYON STREET,NC1-007-19-26 CHARLOTTE, FL
Address 28255
Monthly Payment $0
Balance $0
Remarks CLOSED
Payment History
August 2010 September 2010 October 2010 November 2010 December 2010 January 2011
February 2011 March 2011 April 2011 May 2011 June 2011 July 2011
August 2011 September 2011 October 2011 November 2011 December 2011 January 2012
OK OK OK OK OK OK
February 2012 March 2012 April 2012 May 2012 June 2012 July 2012
August 2012 September 2012 October 2012 November 2012 December 2012 January 2013
February 2013 March 2013 April 2013 May 2013 June 2013 July 2013
August 2013 September 2013 October 2013 November 2013 December 2013 January 2014
August 2014 September 2014 October 2014 November 2014 December 2014 January 2015
Rating Rating
OK OK
Total Month
Account Information
Balance $0
Payment Received $0
Payment History
August 2011 September 2011 October 2011 November 2011 December 2011 January 2012
February 2012 March 2012 April 2012 May 2012 June 2012 July 2012
August 2012 September 2012 October 2012 November 2012 December 2012 January 2013
February 2013 March 2013 April 2013 May 2013 June 2013 July 2013
August 2013 September 2013 October 2013 November 2013 December 2013 January 2014
August 2014 September 2014 October 2014 November 2014 December 2014 January 2015
February 2015 March 2015 April 2015 May 2015 June 2015 July 2015
OK OK OK OK OK OK
August 2015 September 2015 October 2015 November 2015 December 2015 January 2016
February 2016 March 2016 April 2016 May 2016 June 2016 July 2016
Total Month
BB&T 4010015284708****
Account Information
Monthly Payment $0
Balance $0
Payment Received $0
Remarks CLOSED
Payment History
November 2016 December 2016 January 2017 February 2017 March 2017 April 2017
May 2017 June 2017 July 2017 August 2017 September 2017 October 2017
Rating Rating
OK OK
Total Month
Monthly Payment $0
Balance $0
Payment Received $0
Remarks CLOSED
Payment History
Total Mont
Balance $27,718
Payment History
February 2018 March 2018 April 2018 May 2018 June 2018 July 2018
High Credit High Credit High Credit High Credit High Credit High Credit
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
August 2018 September 2018 October 2018 November 2018 December 2018 January 2019
High Credit High Credit High Credit High Credit High Credit High Credit
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
High Credit High Credit High Credit High Credit High Credit High Credit
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
August 2019 September 2019 October 2019 November 2019 December 2019 January 2020
High Credit High Credit High Credit High Credit High Credit High Credit
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
High Credit High Credit High Credit High Credit High Credit High Credit
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
August 2020 September 2020 October 2020 November 2020 December 2020 January 2021
High Credit High Credit High Credit High Credit High Credit High Credit
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
High Credit High Credit High Credit High Credit High Credit High Credit
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
August 2021 September 2021 October 2021 November 2021 December 2021 January 2022
High Credit High Credit High Credit High Credit High Credit High Credit
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
High Credit High Credit High Credit High Credit High Credit High Credit
--- --- --- --- --- $21,550
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- $0
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- $25
August 2022 September 2022 October 2022 November 2022 December 2022 January 2023
High Credit High Credit High Credit High Credit High Credit High Credit
$21,550 $21,550 $21,550 $21,550 $21,550 $21,550
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$38 $69 $77 $56 $26 $37
High Credit High Credit High Credit High Credit High Credit High Credit
$21,550 $22,427 $26,876 $26,896 $26,896 $26,896
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$316 $482 $632 $96 $25 $49
August 2023 September 2023 October 2023 November 2023 December 2023 January 2024
High Credit High Credit High Credit High Credit High Credit High Credit
$26,896 $26,896 $26,896 $26,896 $26,896 $26,896
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$25 $137 $25 $100 $85 $113
High Credit High Credit High Credit High Credit High Credit High Credit
$26,896 $28,677 $28,677 $28,677 $30,855 $30,855
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$135 $81 $25 $140 $72 $32
August 2024 September 2024 October 2024 November 2024 December 2024
High Credit High Credit High Credit High Credit High Credit
$30,855 $38,366 $45,164 $45,164 $45,164
Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$245 $759 $793 $652 $702
Total Month
Account Information
Monthly Payment $0
Balance $0
Remarks CLOSED
Payment History
May 2019 June 2019 July 2019 August 2019 September 2019 October 2019
Total Month
Account Information
Monthly Payment $0
Balance $0
Remarks CLOSED
Payment History
August 2020 September 2020 October 2020 November 2020 December 2020 January 2021
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
February 2021 March 2021 April 2021 May 2021 June 2021 July 2021
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
February 2022 March 2022 April 2022 May 2022 June 2022 July 2022
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- $1,299
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- $1,299
Balance
$0
Past Due
$0
Amount Paid
$45,885
Scheduled Payment
$0
Rating
OK
Total Month
Account Information
Monthly Payment $0
Balance $0
Remarks CLOSED
Payment History
October 2018 November 2018 December 2018 January 2019 February 2019
Total Mont
Account Information
Balance $37,335
Payment History
April 2024 May 2024 June 2024 July 2024 August 2024 September 2024
Past Due Past Due Past Due Past Due Past Due Past Due
$0 --- $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$0 --- $914 $914 $914 $914
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$914 --- $914 $914 $914 $914
Total Month
Account Information
Balance $31,803
Payment History
October 2022 November 2022 December 2022 January 2023 February 2023 March 2023
Past Due Past Due Past Due Past Due Past Due Past Due
$0 --- $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$0 --- $958 $938 $948 $948
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$948 --- $948 $948 $948 $948
April 2023 May 2023 June 2023 July 2023 August 2023 September 2023
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$948 $948 $948 $948 $948 $948
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$948 $948 $948 $948 $948 $948
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$948 $948 $948 $948 $948 $948
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$948 $948 $948 $948 $948 $948
April 2024 May 2024 June 2024 July 2024 August 2024 September 2024
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$948 $948 $948 $948 $948 $948
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$948 $948 $948 $948 $948 $948
Total Month
Account Information
Monthly Payment $0
Balance $0
Payment Received $0
Remarks CLOSED
Payment History
August 2021 September 2021 October 2021 November 2021 December 2021 January 2022
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
February 2022 March 2022 April 2022 May 2022 June 2022 July 2022
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- $1,170
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- $1,170
Balance
$0
Past Due
$0
Amount Paid
$0
Scheduled Payment
$0
Rating
OK
Total Month
Account Information
Monthly Payment $0
Balance $0
Payment Received $0
Payment History
February 2016 March 2016 April 2016 May 2016 June 2016 July 2016
August 2016 September 2016 October 2016 November 2016 December 2016 January 2017
February 2017 March 2017 April 2017 May 2017 June 2017 July 2017
August 2017 September 2017 October 2017 November 2017 December 2017 January 2018
February 2018 March 2018 April 2018 May 2018 June 2018 July 2018
Total Month
Account Information
Monthly Payment $0
Balance $0
Payment History
November 2014 December 2014 January 2015 February 2015 March 2015 April 2015
May 2015 June 2015 July 2015 August 2015 September 2015 October 2015
November 2015 December 2015 January 2016 February 2016 March 2016 April 2016
May 2016 June 2016 July 2016 August 2016 September 2016 October 2016
Total Month
Account Information
Balance $514,792
Payment History
March 2020 April 2020 May 2020 June 2020 July 2020 August 2020
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
September 2020 October 2020 November 2020 December 2020 January 2021 February 2021
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
September 2021 October 2021 November 2021 December 2021 January 2022 February 2022
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- $2,687 $2,687
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- $2,686 $2,686
September 2022 October 2022 November 2022 December 2022 January 2023 February 2023
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$2,687 $0 $5,374 $2,687 $0 $5,374
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$2,686 $2,686 $2,686 $2,686 $2,686 $2,686
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$2,687 $0 $5,374 $2,687 $0 $5,374
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$2,686 $2,686 $2,686 $2,686 $2,686 $2,686
September 2023 October 2023 November 2023 December 2023 January 2024 February 2024
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$2,687 $0 $5,374 $2,687 $0 $5,374
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$2,686 $2,686 $2,686 $2,686 $2,686 $2,686
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$2,687 $2,687 $2,687 $0 $5,374 $2,687
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$2,686 $2,686 $2,686 $2,686 $2,686 $2,686
Total Month
Account Information
Monthly Payment $0
Balance $0
Payment History
November 2015 December 2015 January 2016 February 2016 March 2016 April 2016
May 2016 June 2016 July 2016 August 2016 September 2016 October 2016
November 2016 December 2016 January 2017 February 2017 March 2017 April 2017
November 2017 December 2017 January 2018 February 2018 March 2018 April 2018
May 2018 June 2018 July 2018 August 2018 September 2018 October 2018
OK OK OK OK OK OK
November 2018 December 2018 January 2019 February 2019 March 2019 April 2019
May 2019 June 2019 July 2019 August 2019 September 2019 October 2019
Total Month
Account Information
Balance $0
Payment Received $0
Remarks CLOSED
Payment History
December 2015 January 2016 February 2016 March 2016 April 2016 May 2016
June 2016 July 2016 August 2016 September 2016 October 2016 November 2016
June 2017
Rating
OK
Total Month
Account Information
Balance $0
Payment Received $0
Remarks CLOSED
Payment History
February 2012 March 2012 April 2012 May 2012 June 2012 July 2012
August 2012 September 2012 October 2012 November 2012 December 2012 January 2013
February 2013 March 2013 April 2013 May 2013 June 2013 July 2013
August 2013 September 2013 October 2013 November 2013 December 2013 January 2014
February 2014 March 2014 April 2014 May 2014 June 2014 July 2014
August 2014 September 2014 October 2014 November 2014 December 2014 January 2015
August 2015 September 2015 October 2015 November 2015 December 2015
Total Month
Account Information
Monthly Payment $0
Balance $0
Payment Received $0
Remarks CLOSED
Payment History
March 2013 April 2013 May 2013 June 2013 July 2013 August 2013
September 2013 October 2013 November 2013 December 2013 January 2014 February 2014
March 2014 April 2014 May 2014 June 2014 July 2014 August 2014
September 2014 October 2014 November 2014 December 2014 January 2015 February 2015
March 2015 April 2015 May 2015 June 2015 July 2015 August 2015
Total Month
Monthly Payment $0
Balance $0
Payment Received $0
Remarks CLOSED
Payment History
November 2013 December 2013 January 2014 February 2014 March 2014 April 2014
May 2014 June 2014 July 2014 August 2014 September 2014 October 2014
November 2014 December 2014 January 2015 February 2015 March 2015 April 2015
OK OK OK OK OK OK
May 2015 June 2015 July 2015 August 2015 September 2015 October 2015
Total Month
Account Information
Balance $61,024
Date Updated 12/31/2024
Payment History
December 2022 January 2023 February 2023 March 2023 April 2023 May 2023
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$0 $496 $496 $496 $496 $496
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$496 $496 $496 $496 $496 $496
June 2023 July 2023 August 2023 September 2023 October 2023 November 2023
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$496 $496 $496 $496 $496 $496
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$496 $496 $496 $496 $496 $496
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$496 $496 $496 $496 $496 $496
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$496 $496 $496 $496 $496 $496
June 2024 July 2024 August 2024 September 2024 October 2024 November 2024
Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$496 $496 $496 $496 $496 $496
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$496 $496 $496 $496 $496 $496
Balance
$61,024
Past Due
$0
Amount Paid
$496
Scheduled Payment
$496
Rating
OK
Total Month
Account Information
Monthly Payment $0
Balance $0
Payment Received $0
Remarks CLOSED
Payment History
June 2015 July 2015 August 2015 September 2015 October 2015 November 2015
Total Month
Account Information
Balance $0
Payment History
July 2015 August 2015 September 2015 October 2015 November 2015 December 2015
January 2016 February 2016 March 2016 April 2016 May 2016 June 2016
July 2016 August 2016 September 2016 October 2016 November 2016 December 2016
January 2017 February 2017 March 2017 April 2017 May 2017 June 2017
July 2017 August 2017 September 2017 October 2017 November 2017 December 2017
July 2018 August 2018 September 2018 October 2018 November 2018 December 2018
January 2019 February 2019 March 2019 April 2019 May 2019 June 2019
July 2019 August 2019 September 2019 October 2019 November 2019
Total Month
US BANK 51653****
Account Information
Monthly Payment $0
Balance $0
Date Updated 08/17/2022
Remarks CLOSED
Payment History
May 2020 June 2020 July 2020 August 2020 September 2020 October 2020
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
November 2020 December 2020 January 2021 February 2021 March 2021 April 2021
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
November 2021 December 2021 January 2022 February 2022 March 2022 April 2022
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
Total Month
Inquiries
Regular Inquiries
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.
Name
FORD CREDIT
Inquiry Type
Individual
Name
CAPITAL ONE
Location Requested On Phone
P O Box 31293 01/11/2025 (800) 955-7070
Salt Lake City, UT 84131
TU INTERACTIVE
SMARTMOVE
Security Freeze
Our records indicate that you have placed a credit freeze / security freeze or a lock on your TransUnion credit file. The credit
information on this page has been delivered to you under the applicable exemption provisions: Providing a consumer with a
copy of the consumer's credit report upon the consumer's request.
Promotional opt-out
This file has been opted out of promotional lists supplied by TransUnion.
(Note: This opt-out has no expiration date.)
Online:
By Mail:
By Phone:
(800) 916-8800
You may contact us Monday - Friday 8 AM - 11 PM Eastern Time and Saturday - Sunday 8 AM - 5 PM Eastern Time, except on
major holidays.
For all correspondence, please have your TransUnion file number available (located at the top of this report).
SUMMARY OF RIGHTS
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 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 NW, 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;
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 form the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-
888-5-OPTOUT (1-888-567-8688).
The following FCRA right applies with respect to nationwide consumer reporting agencies:
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 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.
To place a security freeze, a consumer reporting agency will require you to provide appropriate proof of your identity, which
may include your Social Security Number. You may place a security freeze on your credit report by contacting each of the
three nationwide credit reporting agencies.
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:
a. Consumer Financial
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their Protection Bureau
affiliates 1700 G Street, N.W.
Washington, DC 20552
b. Federal Trade
Commission
Consumer Response
b. Such affiliates that are not banks, savings associations, or credit unions also should list, in Center
addition to the CFPB: 600 Pennsylvania
Avenue, N.W.
Washington, DC 20580
(877) 382-4357
a. Office of the
Comptroller of the
2. To the extent not included in item 1 above: Currency
a. National banks, federal savings associations, and federal branches and federal agencies of Customer Assistance
foreign banks Group
P.O. Box 53570
Houston, TX 77052
b. State member banks, branches and agencies of foreign banks (other than federal branches, b. Federal Reserve
federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies Consumer Help Center
owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the P.O. Box 1200
Federal Reserve Act. Minneapolis, MN 55480
c. Division of Depositor
and
Consumer Protection
National Center for
Consumer
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state and Depositor Assistance
savings associations Federal Deposit
Insurance
Corporation
1100 Walnut Street, Box
#11
Kansas City, MO 64106
d. National Credit Union
Administration
Office of Consumer
d. Federal Credit Unions
Financial Protection
1775 Duke Street
Alexandria, VA 22314
Asst. General Counsel for
Office of Aviation
Protection
Department of
3. Air carriers
Transportation
1200 New Jersey Avenue,
S.E.
Washington, DC 20590
Office of Public
Assistance,
Governmental Affairs,
and
4. Creditors Subject to the Surface Transportation Board
Compliance Surface
Transportation Board
395 E Street, S.W.
Washington, DC 20423
Nearest Packers and
5. Creditors Subject to the Packers and Stockyards Act, 1921 Stockyards Division
Regional Office
Associate Administrator,
Office of Capital Access
United States Small
6. Small Business Investment Companies Business Administration
409 Third Street, S.W.,
Suite 8200
Washington, DC 20416
Securities and Exchange
Commission
7. Brokers and Dealers
100 F Street, N.E.
Washington, DC 20549
Farm Credit
Administration
8. Institutions that are members of the Farm Credit System
1501 Farm Credit Drive
McLean, VA 22102-5090
Federal Trade
Commission
Consumer Response
Center
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above
600 Pennsylvania
Avenue, N.W.
Washington, DC 20580
(877) 382-4357
You are receiving this information because you have notified a consumer reporting agency that you believe you are a victim of
identity theft. Identity theft occurs when someone uses your name, Social Security Number, date of birth, or other identifying
information, without authority, to commit fraud. For example, someone may have committed identity theft by using your
personal information to open a credit card account or get a loan in your name. For more information, visit
www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington,
DC 20552.
The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe you that you are, a victim of identity
theft. Here is a brief summary of the rights designed to help you recover from identity theft.
1. You have the 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
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.
2. 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.
To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your
identity, which may include your Social Security Number. If you ask for an extended alert, you will have to provide an
identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local law
enforcement agency, and additional information a consumer reporting agency may require you to submit. For more
detailed information about the identity theft report, visit www.consumerfinance.gov/learnmore .
You may place a fraud alert in your file by calling just one of the three nationwide credit reporting agencies. As soon as
that agency processes your alert, it will notify the other two, which then must also place fraud alerts in your file.
TransUnion: 1-800-680-7289;www.transunion.com
3. You have the right to free copies of the information in your file (your “file disclosure”). An initial fraud alert entitles
you to a copy of all information in your file at each of the three nationwide agencies, and an extended alert entitles you
to two free file disclosures in a 12-month period following the placing of the alert. These additional disclosures may help
you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether
someone has reported a change in your address. Once a year, you also have the right to a free copy of the information in
your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity
theft. You also have the ability to obtain additional free file disclosures under other provisions of the FCRA. See
www.consumerfinance.gov/learnmore
4. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your
personal information. A creditor or other business must give you copies of applications and other business records
relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A
business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It also
may specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you
with these documents. See www.consumerfinance.gov/learnmore .
5. You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with
certain information about the debt you believe was incurred in your name by an identity thief – like the name of the
creditor and the amount of the debt.
6. If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting
agency block that information from your file. An identity thief may run up bills in your name and not pay them.
Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting
agency to block the reporting of this information, you must identify the information to block, and provide the consumer
reporting agency with proof of your identity and a copy of your identity theft report. The consumer reporting agency
can refuse or cancel your request for a block if, for example, you don’t provide the necessary documentation or where
the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds
the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with
notice of the block may not sell, transfer or place the debt for collection.
7. You may also prevent businesses from reporting information about you to consumer reporting agencies if you believe
the information is a result of identity theft. To do so, you must send your request to the address specified by the
business that reports the information to the consumer reporting agency. The business will expect you to identify what
information you do not want reported and to provide an identity theft report.
To learn more about identity theft and how to deal with its consequences, visit www.consumerfinance.gov/learnmore , or
write to the Consumer Financial Protection Bureau. You may have additional rights under state law. For more information,
contact your local consumer protection agency or your state Attorney General.
In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many
other important consumer protections. They are described in more detail at www.consumerfinance.gov/learnmore .