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Michael Gruesen (1)

This document is a personal credit report for Michael Gruesen, created on January 15, 2025. It includes personal information, addresses, phone numbers, employment history, and account details, indicating a history of satisfactory accounts with no adverse information. Additionally, it provides guidance on disputing inaccuracies and adding consumer statements related to financial hardships.

Uploaded by

koiunchi12
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
0% found this document useful (0 votes)
32 views70 pages

Michael Gruesen (1)

This document is a personal credit report for Michael Gruesen, created on January 15, 2025. It includes personal information, addresses, phone numbers, employment history, and account details, indicating a history of satisfactory accounts with no adverse information. Additionally, it provides guidance on disputing inaccuracies and adding consumer statements related to financial hardships.

Uploaded by

koiunchi12
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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Personal Credit Report for:

MICHAEL GRUESEN

File Number:
332709709

Date Created:
01/15/2025

Visit transunion.com/dispute to start a dispute online.

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.

Credit Report Date

01/15/2025

Social Security Number

XXX-XX-3750

Date of Birth

11/28/1965

Name

MICHAEL J. GRUESEN

Also Known As

AKA

MICHAEL JOHN GRUESEN

AKA

MICHAEL GRUESSEN

Addresses

Current Address

1324 S SEDONA CIR HOBART, WI 54155-8658


Date Reported

03/19/2013

Other Address

38820 EQUESTRIAN S APT 43204 FARMINGTON HILLS, MI 48331-4932

Date Reported

09/01/1998

Other Address

3120 W SCHOOL HOUSE LN APT 66 PHILADELPHIA, PA 19144-5414

Other Address

835 S VAN BUREN ST GREEN BAY, WI 54301-3526

Date Reported

09/08/2011

Other Address

37312 ROLLING HTS ONEIDA, WI 54155

Date Reported

07/31/2010

Other Address

3734 ROLLING HTS ONEIDA, WI 54155-9082

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

Location Occupation Date Verified


BROOKFIELD, WI PHYSICIAN 10/23/2018

GREEN BAY ANESTHESIA ASSOC

Location Occupation Date Verified


BROOKFIELD, WI PHYSICIAN 10/22/2015

GREEN BAY ANESTHESIA ASSO

Occupation Date Verified


DOCTOR 07/02/2010

GREEN BAY ANESTHESIA SC

Date Verified
04/11/2006

GBAA SC

Date Verified
03/10/2006

OAKWOOD ANESTHESIA ASSCTS

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

OK Current, paying or paid as agreed

N/R Not Reported

X Unknown

30 Account 30 days late

60 Account 60 days late

90 Account 90 days late

120 Account 120 or more days late

COL Transferred to collection

VS Voluntarily surrendered

RPO Repossession

C/O Charged off by account provider

FC Foreclosure

Remarks

AAP: Loan assumed by another party


ACQ: Acquired from another lender
ACR: Account closed due to refinance
ACT: Account closed due to transfer
AFR: Account acquired by RTC/FDIC
AID: Account information disputed by consumer
AJP: Adjustment pending
AMD: Active military duty
AND: Affected by natural disaster
BAL: Balloon payment
BKL: Included in bankruptcy
BKW: Bankruptcy withdrawn
CAD: Dispute account/closed by consumer
CBC: Account closed by consumer
CBD: Dispute resolved/consumer disagrees/closed by consumer
CBG: Canceled by credit grantor
CBL: Chapter 7 bankruptcy
CBR: Chapter 11 bankruptcy
CBT: Chapter 12 bankruptcy
CLA: Placed for collection
CLO: Closed
CLS: Credit line suspended
CRB: Collateral released—balance owing
CTR: Account closed—transfer to refinance
CTS: Contact subscriber
DDR: -none-
DLU: Deed in lieu
DM: Bankruptcy dismissed
DRC: Dispute resolved/consumer disagrees
DRG: Dispute resolved reported by credit grantor
ER: Election of remedy
ETB: Early termination/balance owing
ETI: Early termination by default
ETO: Early termination/obligation settled
ETS: Early termination/status pending
FCL: Foreclosure
FPD: Account paid, foreclosure started
FPI: Foreclosure initiated
FRD: Foreclosure collateral sold
FTB: Full termination/balance owing
FTO: Full termination/obligation satisfied
FTS: Full termination/status pending
INA: Inactive account
INP: Debt being paid through insurance
INS: Paid by insurance
IRB: Involuntary repossession/balance owing
IRE: Involuntary repossession
IRO: Involuntary repossession/obligation satisfied
JUG: Judgment granted
LA: Lease assumption
LMN: Loan Modified Not GOVT (government)
LNA: Credit line is no longer available
MCC: Managed by credit counseling service
MOV: No forwarding address
NIR: Student loan not in repayment
NPA: Now paying
PAL: Purchase by another lender
PCL: Paid collection
PDD: Paid by dealer
PDE: Payment deferred
PDI: Principle deferred/initial payment only
PFC: Account paid from collateral
PLL: Prepaid lease
PLP: Profit and loss now paying
PNR: First payment never received
PPA: Paying partial payment agreement
PPD: Paid by co-maker
PPL: Paid profit and loss
PRD: Payroll deduction
PRL: Profit and loss write-off
PWG: Account payment, wage garnish
REA: Reaffirmation of debt
REP: Substitute/replacement account
RFN: Refinanced
RPD: Paid repossession
RPO: Repossession
RRE: Repossession redeemed
RVN: Returned voluntarily
RVR: Returned voluntarily/redeemed
SET: Settled—less than full balance
SGL: Government secured guaranteed
SIL: Simple interest loan
SLP: Student loan perm assign government
SPL: Single payment loan
STL: Credit card lost/stolen
TRF: Transfer
TRL: Transferred to another lender
TTR: Transferred to recovery
WEP: Chapter 13 bankruptcy
For account information other than payment history, we may show brackets > < to indicate information that may
negatively affect your credit health.

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

BANK OF AMERICA NA 6501002463****

Account Information
101 N TRYON STREET,NC1-007-19-26 CHARLOTTE, FL
Address 28255

Phone (800) 215-6195

Monthly Payment $0

Date Opened 08/18/2010

Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $0

Date Updated 04/06/2015

Payment Received $435

Last Payment Made 04/06/2015

High Balance $34,688

Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 60 months

Date Closed 04/06/2015

Remarks CLOSED

Payment History
August 2010 September 2010 October 2010 November 2010 December 2010 January 2011

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2011 March 2011 April 2011 May 2011 June 2011 July 2011

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2011 September 2011 October 2011 November 2011 December 2011 January 2012

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

February 2012 March 2012 April 2012 May 2012 June 2012 July 2012

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2012 September 2012 October 2012 November 2012 December 2012 January 2013

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2013 March 2013 April 2013 May 2013 June 2013 July 2013

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2013 September 2013 October 2013 November 2013 December 2013 January 2014

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
February 2014 March 2014 April 2014 May 2014 June 2014 July 2014

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2014 September 2014 October 2014 November 2014 December 2014 January 2015

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2015 March 2015

Rating Rating

OK OK

Total Month

BARCLAYS BANK DELAWARE 00013903330****

Account Information

Address PO BOX 8803 WILMINGTON, DE 19899

Phone (888) 232-0780

Date Opened 08/09/2011

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Balance $0

Date Updated 08/09/2016

Payment Received $0

Last Payment Made 06/03/2016

High Balance $26,411


Credit Limit $10,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 05/28/2016

Date Paid 06/03/2016

Remarks Account closed at consumer's request; CLOSED

Payment History

August 2011 September 2011 October 2011 November 2011 December 2011 January 2012

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2012 March 2012 April 2012 May 2012 June 2012 July 2012

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2012 September 2012 October 2012 November 2012 December 2012 January 2013

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2013 March 2013 April 2013 May 2013 June 2013 July 2013

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2013 September 2013 October 2013 November 2013 December 2013 January 2014

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
February 2014 March 2014 April 2014 May 2014 June 2014 July 2014

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2014 September 2014 October 2014 November 2014 December 2014 January 2015

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2015 March 2015 April 2015 May 2015 June 2015 July 2015

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

August 2015 September 2015 October 2015 November 2015 December 2015 January 2016

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2016 March 2016 April 2016 May 2016 June 2016 July 2016

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

Total Month

BB&T 4010015284708****

Account Information

Address 6901 WINDCREST DRIVE,DOCK 2 PLANO, TX 75024

Phone Phone number not available

Monthly Payment $0

Date Opened 10/29/2014

Responsibility Individual Account


Account Type Installment Account

Loan Type AUTOMOBILE

Balance $0

Date Updated 01/17/2018

Payment Received $0

Last Payment Made 01/16/2018

High Balance $69,050

Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 72 months

Date Closed 01/17/2018

Remarks CLOSED

Payment History

November 2016 December 2016 January 2017 February 2017 March 2017 April 2017

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

May 2017 June 2017 July 2017 August 2017 September 2017 October 2017

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

November 2017 December 2017

Rating Rating
OK OK

Total Month

CAPITAL CREDIT UNION 193468****


Account Information

Address 825 MORRIS AVE,P O BOX 2526 GREEN BAY, WI 54306

Phone (800) 728-4294

Monthly Payment $0

Date Opened 12/22/2014

Responsibility Individual Account

Account Type Installment Account

Loan Type SECURED

Balance $0

Date Updated 04/09/2015

Payment Received $0

Last Payment Made 04/09/2015

High Balance $1,981

Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 24 months

Date Closed 04/09/2015

Remarks CLOSED

Payment History

December 2014 January 2015 February 2015 March 2015

Rating Rating Rating Rating


OK OK OK OK

Total Mont

CAPITAL ONE 414709984129****


Account Information

Address P O Box 31293 Salt Lake City, UT 84131

Phone (800) 955-7070

Monthly Payment $702

Date Opened 05/16/2016

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Balance $27,718

Date Updated 12/14/2024

Last Payment Made 12/06/2024

Pay Status Current; Paid or Paying as Agreed

Terms $702 per month; paid Monthly

Credit limit of $20,000 from 07/2022 to 12/2022;


$27,500 from 01/2023 to 10/2023; $47,500 from
Credit Limit (Hist.) 11/2023 to 08/2024; $75,000 from 09/2024 to 12/2024

Payment History
February 2018 March 2018 April 2018 May 2018 June 2018 July 2018

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2018 September 2018 October 2018 November 2018 December 2018 January 2019

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
February 2019 March 2019 April 2019 May 2019 June 2019 July 2019

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2019 September 2019 October 2019 November 2019 December 2019 January 2020

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
February 2020 March 2020 April 2020 May 2020 June 2020 July 2020

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2020 September 2020 October 2020 November 2020 December 2020 January 2021

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
February 2021 March 2021 April 2021 May 2021 June 2021 July 2021

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2021 September 2021 October 2021 November 2021 December 2021 January 2022

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
February 2022 March 2022 April 2022 May 2022 June 2022 July 2022

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- $1,410

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2022 September 2022 October 2022 November 2022 December 2022 January 2023

Balance Balance Balance Balance Balance Balance


$3,897 $6,970 $7,779 $5,610 $2,616 $3,708

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
February 2023 March 2023 April 2023 May 2023 June 2023 July 2023

Balance Balance Balance Balance Balance Balance


$15,728 $22,427 $26,876 $2,082 $145 $4,968

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2023 September 2023 October 2023 November 2023 December 2023 January 2024

Balance Balance Balance Balance Balance Balance


$165 $13,720 $434 $24,036 $8,529 $11,391

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
February 2024 March 2024 April 2024 May 2024 June 2024 July 2024

Balance Balance Balance Balance Balance Balance


$13,570 $8,144 $1,858 $14,021 $7,240 $3,296

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2024 September 2024 October 2024 November 2024 December 2024

Balance Balance Balance Balance Balance


$24,585 $38,366 $29,026 $26,445 $27,718

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

Rating Rating Rating Rating Rating


OK OK OK OK OK

Total Month

CITIZENS ONE HOME LOANS 293810126****

Account Information

Address PO BOX 6260 GLEN ALLEN, VA 23058-6260

Phone (800) 234-6002

Monthly Payment $0

Date Opened 12/03/2015


Responsibility Individual Account

Account Type Mortgage Account

Loan Type CONVENTIONAL REAL ESTATE MTG

Balance $0

Date Updated 03/06/2020

Payment Received $385,429

Last Payment Made 03/06/2020

High Balance $417,000

Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 360 months

Date Closed 03/06/2020

Remarks CLOSED

Payment History

May 2019 June 2019 July 2019 August 2019 September 2019 October 2019

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

November 2019 December 2019 January 2020 February 2020

Rating Rating Rating Rating


OK OK OK OK

Total Month

CONNEXUS CREDIT UNION 1202881****

Account Information

Address 2600 PINE RIDGE BLVD WAUSAU, WI 54401


Phone (800) 845-5025

Monthly Payment $0

Date Opened 08/26/2020

Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $0

Date Updated 08/15/2022

Payment Received $45,885

Last Payment Made 08/03/2022

Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 60 months

Date Closed 08/15/2022

High Balance (Hist.) High balance of $68,758 from 07/2022 to 08/2022

Remarks CLOSED

Payment History
August 2020 September 2020 October 2020 November 2020 December 2020 January 2021

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2021 March 2021 April 2021 May 2021 June 2021 July 2021

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
August 2021 September 2021 October 2021 November 2021 December 2021 January 2022

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2022 March 2022 April 2022 May 2022 June 2022 July 2022

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- $45,631

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
August 2022

Balance
$0

Past Due
$0

Amount Paid
$45,885

Scheduled Payment
$0

Rating
OK

Total Month

CONNEXUS CREDIT UNION 1139495****

Account Information

Address 2600 PINE RIDGE BLVD WAUSAU, WI 54401

Phone (800) 845-5025

Monthly Payment $0

Date Opened 10/24/2018

Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $0

Date Updated 03/08/2019

Payment Received $3,430

Last Payment Made 03/08/2019

High Balance $12,601


Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 72 months

Date Closed 03/08/2019

Remarks CLOSED

Payment History

October 2018 November 2018 December 2018 January 2019 February 2019

Rating Rating Rating Rating Rating


OK OK OK OK OK

Total Mont

FORD MOTOR CREDIT 6330****

Account Information

Address POB 542000 OMAHA, NE 68154

Phone (800) 727-7000

Monthly Payment $914

Date Opened 04/26/2024

Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $37,335

Date Updated 01/13/2025

Payment Received $914

Last Payment Made 01/10/2025

Pay Status Current; Paid or Paying as Agreed


Terms $914 per month, paid Monthly for 60 months

High balance of $41,415 from 04/2024 to 04/2024;


High Balance (Hist.) $41,415 from 06/2024 to 01/2025

Payment History

April 2024 May 2024 June 2024 July 2024 August 2024 September 2024

Balance Balance Balance Balance Balance Balance


$41,415 --- $41,085 $40,557 $40,037 $39,512

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

Rating Rating Rating Rating Rating Rating


OK N/R OK OK OK OK

October 2024 November 2024 December 2024 January 2025

Balance Balance Balance Balance


$38,969 $38,433 $37,880 $37,335

Past Due Past Due Past Due Past Due


$0 $0 $0 $0

Amount Paid Amount Paid Amount Paid Amount Paid


$914 $914 $914 $914

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment


$914 $914 $914 $914

Rating Rating Rating Rating


OK OK OK OK

Total Month

FORD MOTOR CREDIT 6163****

Account Information

Address POB 542000 OMAHA, NE 68154


Phone (800) 727-7000

Monthly Payment $948

Date Opened 10/29/2022

Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $31,803

Date Updated 12/16/2024

Payment Received $948

Last Payment Made 12/13/2024

Pay Status Current; Paid or Paying as Agreed

Terms $948 per month, paid Monthly for 60 months

High balance of $52,871 from 10/2022 to 10/2022;


High Balance (Hist.) $52,871 from 12/2022 to 12/2024

Payment History
October 2022 November 2022 December 2022 January 2023 February 2023 March 2023

Balance Balance Balance Balance Balance Balance


$52,871 --- $52,097 $51,286 $50,468 $49,631

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

Rating Rating Rating Rating Rating Rating


OK N/R OK OK OK OK

April 2023 May 2023 June 2023 July 2023 August 2023 September 2023

Balance Balance Balance Balance Balance Balance


$48,805 $47,972 $47,141 $46,305 $45,470 $44,633

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
October 2023 November 2023 December 2023 January 2024 February 2024 March 2024

Balance Balance Balance Balance Balance Balance


$43,791 $42,950 $42,104 $41,258 $40,411 $39,555

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

April 2024 May 2024 June 2024 July 2024 August 2024 September 2024

Balance Balance Balance Balance Balance Balance


$38,703 $37,847 $36,991 $36,130 $35,270 $34,408

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
October 2024 November 2024 December 2024

Balance Balance Balance


$33,541 $32,674 $31,803

Past Due Past Due Past Due


$0 $0 $0

Amount Paid Amount Paid Amount Paid


$948 $948 $948

Scheduled Payment Scheduled Payment Scheduled Payment


$948 $948 $948

Rating Rating Rating


OK OK OK

Total Month

FOX COMMUNITIES CREDIT U 20000270****

Account Information

Address 2201 E ENTERPRISE AVE APPLETON, WI 54913

Phone (920) 993-9000

Monthly Payment $0

Date Opened 07/23/2021

Responsibility Individual Account

Account Type Installment Account

Loan Type SECURED

Balance $0

Date Updated 08/16/2022

Payment Received $0

Last Payment Made 08/16/2022

Pay Status Paid, Closed; was Paid as agreed


Terms $0 per month, paid Monthly for 48 months

Date Closed 08/16/2022

High Balance (Hist.) High balance of $53,138 from 07/2022 to 08/2022

Remarks CLOSED

Payment History

August 2021 September 2021 October 2021 November 2021 December 2021 January 2022

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2022 March 2022 April 2022 May 2022 June 2022 July 2022

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- $40,374

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
August 2022

Balance
$0

Past Due
$0

Amount Paid
$0

Scheduled Payment
$0

Rating
OK

Total Month

FRANKLIN AMERICAN MORTGA 300007884****

Account Information

Address PO BOX 77404 EWING, NJ 08628

Phone (800) 223-6527

Monthly Payment $0

Date Opened 12/03/2015

Responsibility Individual Account

Account Type Mortgage Account

Loan Type CONVENTIONAL REAL ESTATE MTG

Balance $0

Date Updated 05/01/2019

Payment Received $0

Last Payment Made 04/05/2019

High Balance $417,000


Pay Status Transferred; was Paying as agreed

Terms $0 per month, paid Monthly for 360 months

Date Closed 05/01/2019

Remarks TRANSFERRED TO ANOTHER LENDER

Payment History

February 2016 March 2016 April 2016 May 2016 June 2016 July 2016

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2016 September 2016 October 2016 November 2016 December 2016 January 2017

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2017 March 2017 April 2017 May 2017 June 2017 July 2017

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2017 September 2017 October 2017 November 2017 December 2017 January 2018

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2018 March 2018 April 2018 May 2018 June 2018 July 2018

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
August 2018 September 2018 October 2018 November 2018 December 2018 January 2019

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2019 March 2019 April 2019

Rating Rating Rating


OK OK OK

Total Month

HARRIS T & S 990238****

Account Information

Address PO BOX 755 CHICAGO, IL 60690-0755

Phone (888) 340-2265

Monthly Payment $0

Date Opened 10/29/2014

Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $0

Date Updated 11/18/2016

Payment Received $48,582

Last Payment Made 11/18/2016

High Balance $69,050

Pay Status Transferred; was Paying as agreed

Terms $0 per month, paid Monthly for 72 months


Date Closed 11/18/2016

PURCHASED BY ANOTHER LENDER; TRANSFERRED TO


Remarks ANOTHER OFFICE

Payment History

November 2014 December 2014 January 2015 February 2015 March 2015 April 2015

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

May 2015 June 2015 July 2015 August 2015 September 2015 October 2015

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

November 2015 December 2015 January 2016 February 2016 March 2016 April 2016

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

May 2016 June 2016 July 2016 August 2016 September 2016 October 2016

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

Total Month

NICOLET NATIONAL BANK 9014****

Account Information

Address 111 N WASHINGTON ST GREEN BAY, WI 54301-4211

Phone (920) 430-1400

Monthly Payment $2,686

Date Opened 03/02/2020

Responsibility Individual Account


Account Type Mortgage Account

Loan Type CONVENTIONAL REAL ESTATE MTG

Balance $514,792

Date Updated 11/15/2024

Payment Received $2,687

Last Payment Made 11/01/2024

Pay Status Current; Paid or Paying as Agreed

Terms $2,686 per month, paid Monthly for 360 months

High Balance (Hist.) High balance of $562,707 from 07/2022 to 11/2024

Payment History
March 2020 April 2020 May 2020 June 2020 July 2020 August 2020

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

September 2020 October 2020 November 2020 December 2020 January 2021 February 2021

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
March 2021 April 2021 May 2021 June 2021 July 2021 August 2021

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

September 2021 October 2021 November 2021 December 2021 January 2022 February 2022

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
March 2022 April 2022 May 2022 June 2022 July 2022 August 2022

Balance Balance Balance Balance Balance Balance


--- --- --- --- $540,812 $540,154

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

September 2022 October 2022 November 2022 December 2022 January 2023 February 2023

Balance Balance Balance Balance Balance Balance


$539,123 $538,482 $537,449 $536,394 $535,719 $534,820

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
March 2023 April 2023 May 2023 June 2023 July 2023 August 2023

Balance Balance Balance Balance Balance Balance


$533,729 $533,088 $532,014 $531,016 $530,285 $529,188

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

September 2023 October 2023 November 2023 December 2023 January 2024 February 2024

Balance Balance Balance Balance Balance Balance


$528,122 $527,441 $526,372 $525,285 $524,570 $523,586

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
March 2024 April 2024 May 2024 June 2024 July 2024 August 2024

Balance Balance Balance Balance Balance Balance


$522,453 $521,766 $520,661 $519,970 $518,855 $517,725

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

September 2024 October 2024 November 2024

Balance Balance Balance


$517,021 $515,900 $514,792

Past Due Past Due Past Due


$0 $0 $0

Amount Paid Amount Paid Amount Paid


$0 $5,374 $2,687

Scheduled Payment Scheduled Payment Scheduled Payment


$2,686 $2,686 $2,686

Rating Rating Rating


OK OK OK

Total Month

NICOLET NATIONAL BANK 8006****

Account Information

Address 111 N WASHINGTON ST GREEN BAY, WI 54301-4211

Phone (920) 430-1400

Monthly Payment $0

Date Opened 11/18/2015


Responsibility Individual Account

Account Type Mortgage Account

Loan Type CONVENTIONAL REAL ESTATE MTG

Balance $0

Date Updated 03/06/2020

Payment Received $141,001

Last Payment Made 03/06/2020

High Balance $149,526

Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 36 months

Date Closed 03/06/2020

Remarks BALLOON PAYMENT; CLOSED

Payment History

November 2015 December 2015 January 2016 February 2016 March 2016 April 2016

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

May 2016 June 2016 July 2016 August 2016 September 2016 October 2016

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

November 2016 December 2016 January 2017 February 2017 March 2017 April 2017

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
May 2017 June 2017 July 2017 August 2017 September 2017 October 2017

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

November 2017 December 2017 January 2018 February 2018 March 2018 April 2018

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

May 2018 June 2018 July 2018 August 2018 September 2018 October 2018

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

November 2018 December 2018 January 2019 February 2019 March 2019 April 2019

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

May 2019 June 2019 July 2019 August 2019 September 2019 October 2019

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

November 2019 December 2019 January 2020 February 2020

Rating Rating Rating Rating


OK OK OK OK

Total Month

NICOLET NATIONAL BANK 8006****

Account Information

Address 111 N WASHINGTON ST GREEN BAY, WI 54301-4211

Phone (920) 430-1400


Monthly Payment $0

Date Opened 12/08/2015

Responsibility Individual Account

Account Type Mortgage Account

Loan Type REAL ESTATE-JUNIOR LIENS

Balance $0

Date Updated 07/03/2017

Payment Received $0

Last Payment Made 06/30/2017

High Balance $35,000

Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 180 months

Date Closed 07/03/2017

Remarks CLOSED

Payment History

December 2015 January 2016 February 2016 March 2016 April 2016 May 2016

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

June 2016 July 2016 August 2016 September 2016 October 2016 November 2016

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
December 2016 January 2017 February 2017 March 2017 April 2017 May 2017

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

June 2017

Rating
OK

Total Month

NICOLET NATIONAL BANK 8005****

Account Information

Address 111 N WASHINGTON ST GREEN BAY, WI 54301-4211

Phone (920) 430-1400

Date Opened 01/12/2012

Responsibility Individual Account

Account Type Line of Credit Account

Loan Type HOME EQUITY LOAN

Balance $0

Date Updated 01/22/2016

Payment Received $0

Last Payment Made 12/08/2015

High Balance $154,050

Credit Limit $154,000

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly


Date Closed 12/08/2015

Date Paid 12/08/2015

Remarks CLOSED

Payment History

February 2012 March 2012 April 2012 May 2012 June 2012 July 2012

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2012 September 2012 October 2012 November 2012 December 2012 January 2013

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2013 March 2013 April 2013 May 2013 June 2013 July 2013

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2013 September 2013 October 2013 November 2013 December 2013 January 2014

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

February 2014 March 2014 April 2014 May 2014 June 2014 July 2014

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2014 September 2014 October 2014 November 2014 December 2014 January 2015

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
February 2015 March 2015 April 2015 May 2015 June 2015 July 2015

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

August 2015 September 2015 October 2015 November 2015 December 2015

Rating Rating Rating Rating Rating


OK OK OK OK OK

Total Month

NICOLET NATIONAL BANK 9008****

Account Information

Address 111 N WASHINGTON ST GREEN BAY, WI 54301-4211

Phone (920) 430-1400

Monthly Payment $0

Date Opened 02/20/2013

Responsibility Individual Account

Account Type Mortgage Account

Loan Type CONVENTIONAL REAL ESTATE MTG

Balance $0

Date Updated 12/08/2015

Payment Received $0

Last Payment Made 12/08/2015

High Balance $413,700

Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 360 months


Date Closed 12/08/2015

Remarks CLOSED

Payment History

March 2013 April 2013 May 2013 June 2013 July 2013 August 2013

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

September 2013 October 2013 November 2013 December 2013 January 2014 February 2014

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

March 2014 April 2014 May 2014 June 2014 July 2014 August 2014

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

September 2014 October 2014 November 2014 December 2014 January 2015 February 2015

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

March 2015 April 2015 May 2015 June 2015 July 2015 August 2015

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

September 2015 October 2015 November 2015

Rating Rating Rating


OK OK OK

Total Month

NICOLET NATIONAL BANK 8005****


Account Information

Address 111 N WASHINGTON ST GREEN BAY, WI 54301-4211

Phone (920) 430-1400

Monthly Payment $0

Date Opened 10/25/2013

Responsibility Individual Account

Account Type Mortgage Account

Loan Type CONVENTIONAL REAL ESTATE MTG

Balance $0

Date Updated 11/18/2015

Payment Received $0

Last Payment Made 11/18/2015

High Balance $101,487

Pay Status Paid, Closed; was Paid as agreed

Terms $0Single Payment

Date Closed 11/18/2015

Remarks CLOSED

Payment History
November 2013 December 2013 January 2014 February 2014 March 2014 April 2014

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

May 2014 June 2014 July 2014 August 2014 September 2014 October 2014

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

November 2014 December 2014 January 2015 February 2015 March 2015 April 2015

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

May 2015 June 2015 July 2015 August 2015 September 2015 October 2015

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

Total Month

NORTH SHORE BANK 90259108****

Account Information

15700 W BLUEMOUND RD BROOKFIELD, WI 53005-


Address 6024

Phone (800) 236-4461

Monthly Payment $496

Date Opened 12/21/2022

Responsibility Individual Account

Account Type Installment Account

Loan Type SECURED

Balance $61,024
Date Updated 12/31/2024

Payment Received $496

Last Payment Made 12/20/2024

Pay Status Current; Paid or Paying as Agreed

Terms $496 per month, paid Monthly for 240 months

High Balance (Hist.) High balance of $64,075 from 12/2022 to 12/2024

Payment History

December 2022 January 2023 February 2023 March 2023 April 2023 May 2023

Balance Balance Balance Balance Balance Balance


$64,198 $64,081 $63,927 $63,809 $63,666 $63,558

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

June 2023 July 2023 August 2023 September 2023 October 2023 November 2023

Balance Balance Balance Balance Balance Balance


$63,426 $63,305 $63,184 $63,049 $62,926 $62,790

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
December 2023 January 2024 February 2024 March 2024 April 2024 May 2024

Balance Balance Balance Balance Balance Balance


$62,654 $62,539 $62,388 $62,248 $62,119 $61,990

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

June 2024 July 2024 August 2024 September 2024 October 2024 November 2024

Balance Balance Balance Balance Balance Balance


$61,836 $61,716 $61,584 $61,440 $61,306 $61,160

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

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
December 2024

Balance
$61,024

Past Due
$0

Amount Paid
$496

Scheduled Payment
$496

Rating
OK

Total Month

SHEFFIELD FINANCIAL 115166****

Account Information

Address PO BOX 849 WILSON, NC 27894

Phone (336) 766-1388

Monthly Payment $0

Date Opened 05/30/2015

Responsibility Individual Account

Account Type Installment Account

Loan Type SECURED

Balance $0

Date Updated 04/04/2016

Payment Received $0

Last Payment Made 04/04/2016

High Balance $10,208


Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 36 months

Date Closed 04/04/2016

Remarks CLOSED

Payment History

June 2015 July 2015 August 2015 September 2015 October 2015 November 2015

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

December 2015 January 2016 February 2016 March 2016

Rating Rating Rating Rating


OK OK OK OK

Total Month

SHELL/CITIBANK CBNA 1445****

Account Information

Address 5800 South Corporate Place SIOUX FALLS, SD 57108

Phone (800) 331-3703

Date Opened 06/28/2015

Responsibility Individual Account

Account Type Revolving Account

Loan Type CREDIT CARD

Balance $0

Date Updated 12/10/2019

Last Payment Made 11/06/2015


High Balance $547

Credit Limit $1,200

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 10/26/2015

Date Paid 11/06/2015

Remarks Account closed at consumer's request; CLOSED

Payment History

July 2015 August 2015 September 2015 October 2015 November 2015 December 2015

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

January 2016 February 2016 March 2016 April 2016 May 2016 June 2016

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

July 2016 August 2016 September 2016 October 2016 November 2016 December 2016

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

January 2017 February 2017 March 2017 April 2017 May 2017 June 2017

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

July 2017 August 2017 September 2017 October 2017 November 2017 December 2017

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
January 2018 February 2018 March 2018 April 2018 May 2018 June 2018

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

July 2018 August 2018 September 2018 October 2018 November 2018 December 2018

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

January 2019 February 2019 March 2019 April 2019 May 2019 June 2019

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

July 2019 August 2019 September 2019 October 2019 November 2019

Rating Rating Rating Rating Rating


OK OK OK OK OK

Total Month

US BANK 51653****

Account Information

ATTN CONSUMER BUREAU MGMT DEP,PO BOX 3447


Address OSHKOSH, WI 54903

Phone (844) 624-8230

Monthly Payment $0

Date Opened 05/23/2020

Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $0
Date Updated 08/17/2022

Payment Received $19,346

Last Payment Made 08/17/2022

Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 48 months

Date Closed 08/17/2022

High Balance (Hist.) High balance of $38,952 from 07/2022 to 08/2022

Remarks CLOSED

Payment History
May 2020 June 2020 July 2020 August 2020 September 2020 October 2020

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

November 2020 December 2020 January 2021 February 2021 March 2021 April 2021

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
May 2021 June 2021 July 2021 August 2021 September 2021 October 2021

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK

November 2021 December 2021 January 2022 February 2022 March 2022 April 2022

Balance Balance Balance Balance Balance Balance


--- --- --- --- --- ---

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
--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating


OK OK OK OK OK OK
May 2022 June 2022 July 2022 August 2022

Balance Balance Balance Balance


--- --- $19,321 $0

Past Due Past Due Past Due Past Due


--- --- $0 $0

Amount Paid Amount Paid Amount Paid Amount Paid


--- --- $864 $19,346

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment


--- --- $864 $0

Rating Rating Rating Rating


OK OK OK OK

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

Location Requested On Phone


P.O. BOX 542000 04/26/2024 (800) 727-7000
OMAHA, NE 68154

Inquiry Type
Individual

Account Review Inquiries


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).

Name

CAPITAL ONE
Location Requested On Phone
P O Box 31293 01/11/2025 (800) 955-7070
Salt Lake City, UT 84131

CREDITWISE CAPITAL1 TU-C

Location Requested On Phone


CAPITAL ONE N.A. 12/19/2024 (877) 383-4802
PO BOX 85870
RICHMOND, VA 23285

MICHAEL GRUESEN via TRANSUNION INTERACTIVE IN

Location Requested On Phone


100 CROSS ST 01/15/2025, 01/15/2025 (855) 681-3196
STE 202
SAN LUIS OBISPO, CA 93401

TU INTERACTIVE

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100 CROSS ST 01/15/2025 (844) 580-6816
202
SAN LUIS OBISPO, CA 93401

MICHAEL GRUESEN via CREDITWISE CAPITAL1 TU-A

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CAPITAL ONE N.A. 01/04/2025, 12/09/2024, 11/11/2024, (877) 383-4802
PO BOX 85870 10/15/2024, 09/16/2024, 08/19/2024,
RICHMOND, VA 23285 07/23/2024, 06/24/2024,
05/27/2024, 04/30/2024,
04/26/2024, 03/28/2024,
03/01/2024, 02/01/2024,
01/05/2024, 12/20/2023, 12/11/2023,
11/13/2023, 10/17/2023, 10/07/2023,
09/26/2023, 09/22/2023,
08/24/2023, 07/28/2023,
07/22/2023, 06/25/2023,
05/25/2023, 04/27/2023,
03/30/2023, 03/01/2023, 02/02/2023

282521466 via CREDITWISE CAPITAL1 TU-B

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CAPITAL ONE N.A. 05/05/2024 (877) 383-4802
PO BOX 85870
RICHMOND, VA 23285

617 REAL ESTATE GROU via SHAREABLE FOR RENTALS


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6430 S FIDDLERS GREEN CIR 01/15/2024 Phone number not available
SUITE 500
GREENWOOD VILLAGE, CO 80111

SMARTMOVE

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6430 S FIDDLERS GREEN CIR 01/15/2024 (866) 775-0961
SUITE 500
GREENWOOD VILLAGE, CO 80129

INBOUND REAL ESTATE via BIRCHWOOD CREDIT SERV

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PO BOX 7403 03/08/2023 Phone number not available
FORT LAUDERDALE, FL 33338

 Credit Report Messages

To add, remove, or modify a fraud alert, please visit transunion.com/fraud-alerts .

Your credit report contains the following messages

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.)

Should you wish to contact TransUnion, you may do so,

Online:

To report an inaccuracy, please visit: service.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 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

GENERAL SUMMARY OF RIGHTS UNDER THE FCRA

Para informacion en espanol, visite www.consumerfinance.gov/learnmore  o escribe a la Consumer Financial Protection


Bureau, 1700 G Street NW. 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 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;

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 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.

Equifax: 1-800-525-6285; www.equifax.com 

Experian: 1-888-397-3742; www.experian.com 

TransUnion: 1-800-680-7289; www.transunion.com 

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

FRAUD VICTIM RIGHTS

SUMMARY OF RIGHTS UNDER THE FCRA OF VICTIMS OF IDENTITY THEFT

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

Remedying the Effects of Identity Theft

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.

Equifax: 1-800-525-6285; www.equifax.com 

Experian: 1-888-397-3742; www.experian.com 

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 .

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