View Printable Report
This document was uploaded by user and they confirmed that they have the permission to share it. If you are author or own the copyright of this book, please report to us by using this DMCA report form. Report DMCA
Overview
Download & View View Printable Report as PDF for free.
More details
- Words: 3,809
- Pages: 19
File Number: 213690037 Date issued: 11/12/2009
Name: KRISTY M. HAHN Other Names: KRISTY M. TOBIN CHRISTY M. TOBIN You have been on our files since 01/1993 SSN: 550-19-5427 Date of Birth: 06/1972 Telephone 474-8368
CURRENT ADDRESS
Address: 51 PO BOX 51 NORTH FREEDOM, WI 53951 Date Reported: 12/2008
PREVIOUS ADDRESSES
Address: 1295 N. ASH ST., #811 GILBERT, AZ 85233 Date Reported: 06/2008
Address: 848 W. 15TH AV. APACHE JUNCTION, AZ 85220
EMPLOYMENT DATA REPORTED Employer Name: LANDS END Date Reported: 09/1998 Position: SALES REP Date Hired:
Special Notes: If any item on your credit report begins with 'MED1', it includes medical information and the data following 'MED1' is not displayed to anyone but you except where permitted by law.
The key to the right helps explain the payment history information contained in some of the accounts below. Not all accounts will contain payment history information, but some creditors report how you make payments each month in relation to your agreement with them.
The following accounts contain information that some creditors may consider to be adverse. Adverse account information may generally be reported for 7 years from the date of the first delinquency, depending on your state of residence. The adverse information in these accounts has been printed in >brackets< or is shaded for your convenience, to help you understand your report. They are not bracketed or shaded this way for creditors. (Note: The account # may be scrambled by the creditor for your protection).
ARROW FINANCIAL SERVICES #41845040 5996 W TOUHY AVE NILES , IL 60714-4610 (800) 279-0224 Balance: $446 Date Updated: 07/2009 Original Balance: $359 Original Creditor: PLAINS COMMERCE BANK Past Due: >$446< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 03/2008] Estimated date that this item will be removed:
12/2012
ARROW FINANCIAL SERVICES #41977962 5996 W TOUHY AVE NILES , IL 60714-4610 (800) 279-0224 Balance: $484 Date Updated:
06/2008 Original Balance: $360 Original Creditor: PREMIER BANKCARD INC Past Due: >$484< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 03/2008] Estimated date that this item will be removed:
11/2012
BAY AREA CREDIT SVCS INC #9035003 1901 W 10TH ST ANTIOCH , CA 94509 (925) 757-4533 Balance: $101 Date Updated: 10/2005 Original Balance: $101 Original Creditor: SBC CALIFORNIA Past Due: >$101< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 08/2005] Estimated date that this item will be removed:
08/2011
BUREAU OF MED ECONOMICS #4266640 326 E CORONADO RD #205 PHOENIX , AZ 85004-1524 (602) 252-3469 Balance: $389 Date Updated: 08/2008 Original Balance: $389 Original Creditor: MED1 02 PATHOLOGY SPECIALISTS OF AZ Past Due: >$389< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account
Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 05/2008] Estimated date that this item will be removed:
03/2014
BUREAU OF MED ECONOMICS #4063728 326 E CORONADO RD #205 PHOENIX , AZ 85004-1524 (602) 252-3469 Balance: $683 Date Updated: 12/2007 Original Balance: $683 Original Creditor: MED1 02 EAST VALLEY DIAG IMAGING LLC Past Due: >$683< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 09/2007] Estimated date that this item will be removed:
03/2014
CITIBANK NA #55019542720 701 EAST 60TH ST N SIOUX FALLS , SD 57104-0432 (800) 967-2400 Balance: $301 Date Updated: 10/2009 High Balance: $1,750 Past Due: >$291< Terms: $61 for 120 months Pay Status: >120 Days Past Due< Account Type: Installment Account Responsibility: Individual Account Date Opened: 05/2008 Loan Type: Student Loan >Maximum delinquency of 120+ days in 05/2009 for $291< Estimated date that this item will be removed: 01/2016 Late Payments 16 months >1< >1< >6<
Last 10 Months
COLLECTION SERVICE BUR #I100BAN1302565596 4331 N WELLS FARGO SCOTTSDALE , AZ 85251-3407 (480) 467-2355 Balance: $1,805 Date Updated: 02/2009 Original Balance: $1,805 Original Creditor: MED1 02 BANNER BAYWOOD MEDICAL CENTE Past Due: >$1,805< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 06/2007] Estimated date that this item will be removed:
02/2014
COLLECTION SERVICE BUR #I100BAN1302604344 4331 N WELLS FARGO SCOTTSDALE , AZ 85251-3407 (480) 467-2355 Balance: $6,782 Date Updated: 02/2009 Original Balance: $6,782 Original Creditor: MED1 02 BANNER BAYWOOD MEDICAL CENTE Past Due: >$6,782< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 08/2007] Estimated date that this item will be removed:
03/2014
COLLECTION SERVICE BUR #I100MES3292601122
4331 N WELLS FARGO SCOTTSDALE , AZ 85251-3407 (480) 467-2355 Balance: $4,760 Date Updated: 02/2009 Original Balance: $4,760 Original Creditor: MED1 02 MESA OB GYN INC Past Due: >$4,760< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 08/2007] Estimated date that this item will be removed:
03/2014
ER SOLUTIONS #95103750 500 SW 7TH ST BUILDING A 100 RENTON , WA 98055-2983 (800) 444-8485 Balance: $831 Date Updated: 07/2009 Original Balance: $831 Original Creditor: QWEST Past Due: >$831< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 06/2009] Estimated date that this item will be removed:
FIN CR NETWK #4461826 1300 W MAIN VISALIA , CA 93277 (559) 733-7550 Balance: $101 Date Updated: 12/2004 Original Balance: $101 Original Creditor: SBC PACIFIC BELL Past Due:
06/2015
$0 Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 11/2004] Estimated date that this item will be removed:
09/2011
FIRST PREMIER BANK #5178007384024071 3820 N LOUISE AVE SIOUX FALLS , SD 57107-0145 (800) 987-5521 Balance: $0 Date Updated: 04/2008 High Balance: $410 Collateral: SLDTO ARROW FINANCIAL SERVICES Credit Limit: $300 Past Due: $0 Pay Status: >Charged Off as Bad Debt< Account Type: Revolving Account Responsibility: Individual Account Date Opened: 07/2005 Date Closed: 01/2006 Date Paid: 03/2007 Loan Type: Credit Card Remark: >Profit and loss writeoff< Estimated date that this item will be removed:
10/2012
KENNETH EISEN&ASSOC LTD #D1043344N1 777 E MISSOURI AVE # 103 PHOENIX , AZ 85014 (602) 264-9844 Balance: $228 Date Updated: 05/2009 Original Balance: $228 Original Creditor: 05 COX COMMUNICATIONS CABLE Past Due: >$228< Pay Status: >Collection Account< Account Type: Open Account Responsibility:
Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 11/2008] Estimated date that this item will be removed:
09/2015
NCO - MEDCLEAR #45927604 POB 41448 PHILADELPHIA , PA 19101 (800) 541-2742 Balance: $372 Date Updated: 05/2009 Original Balance: $372 Original Creditor: MED1 02 TEAM PHYS VALLEY LUTH AZ 513 Past Due: >$372< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Factoring Company Account Remark: >Placed for collection< Date placed for collection: [ 07/2008] Estimated date that this item will be removed:
02/2014
NCO - MEDCLEAR #46618148 POB 41448 PHILADELPHIA , PA 19101 (800) 541-2742 Balance: $685 Date Updated: 05/2009 Original Balance: $685 Original Creditor: MED1 02 TEAM PHYS VALLEY LUTH AZ 513 Past Due: >$685< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Factoring Company Account Remark: >Placed for collection< Date placed for collection: [ 08/2008] Estimated date that this item will be removed:
NEMO'S COLLECTIONS #173224 14631 N CAVE CREEK PHOENIX , AZ 85022-4159 (602) 996-6050
03/2014
Balance: $1,237 Date Updated: 10/2009 Original Balance: $1,165 Original Creditor: MED1 02 MEDICAL PAYMENT DATA Past Due: >$1,237< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 07/2007] Estimated date that this item will be removed:
04/2014
RJM ACQUISITIONS LLC/WAS #19R600002494167 575 UNDERHILL BLVD SUITE 224 SYOSSET , NY 11791 (800) 268-0623 Balance: $156 Date Updated: 10/2009 Original Balance: $156 Original Creditor: 08 WASHINGTON MUTUAL CHECKING ACC Past Due: >$156< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Factoring Company Account Remark: >Placed for collection< Date placed for collection: [ 09/2007] Estimated date that this item will be removed:
12/2012
SCOTTSDALE COLLECTION SE #456694680900 2501 W DUNLAP AVE STE 240 PHOENIX , AZ 85021-1715 (480) 575-9840 Balance: $3,434 Date Updated: 11/2009 Original Balance: $2,758 Original Creditor: MED1 02 BAUTISTA TOBIN DELIA Past Due: >$3,434< Pay Status: >Collection Account<
Account Type: Open Account Responsibility: Joint Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 04/2008] Estimated date that this item will be removed:
03/2014
TRI STATE ADJUSTMENTS IN #592245A 3439 EAST AVE S LA CROSSE , WI 54601-7241 (608) 788-8683 Balance: $377 Date Updated: 06/2004 Original Balance: $377 Original Creditor: MED1 GUNDERSEN CLINIC LTD Past Due: >$377< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 04/2004] Estimated date that this item will be removed:
08/2010
XLS / STUDENT LOAN XPRES #4862840334EG00001 POB 94553 CLEVELAND , OH 44101 (888) 811-7101 Balance: $1,750 Date Updated: 10/2009 High Balance: $1,750 Past Due: >$226< Terms: $22 for 102 months Pay Status: >120 Days Past Due< Account Type: Installment Account Responsibility: Individual Account Date Opened: 02/2008 Loan Type: Student Loan >Maximum delinquency of 120+ days in 05/2009 for $113< Estimated date that this item will be removed: 12/2015 Late Payments 19 months 0 >1<
>6<
Last 19 Months
XLS / STUDENT LOAN XPRES #4862840334EG00002 POB 94553 CLEVELAND , OH 44101 (888) 811-7101 Balance: $2,110 Date Updated: 10/2009 High Balance: $2,000 Past Due: >$273< Terms: $27 for 102 months Pay Status: >120 Days Past Due< Account Type: Installment Account Responsibility: Individual Account Date Opened: 02/2008 Loan Type: Student Loan >Maximum delinquency of 120+ days in 05/2009 for $136< Estimated date that this item will be removed: 12/2015 Late Payments 19 months 0 >1< >6<
Last 19 Months
The following accounts are reported with no adverse information. (Note: The account # may be scrambled by the creditor for your protection).
CITIBANK NA #55019542721 701 EAST 60TH ST N SIOUX FALLS , SD 57104-0432
(800) 967-2400 Balance: $0 Date Updated: 08/2008 High Balance: $2,000 Past Due: $0 Pay Status: Unrated Account Type: Installment Account Responsibility: Individual Account Date Opened: 05/2008 Date Closed: 08/2008 Loan Type: Student Loan Late Payments 2 months 0 0 0
CITIBANK NA #55019542722 701 EAST 60TH ST N SIOUX FALLS , SD 57104-0432 (800) 967-2400 Balance: $0 Date Updated: 08/2008 High Balance: $2,000 Past Due: $0 Pay Status: Unrated Account Type: Installment Account Responsibility: Individual Account Date Opened: 06/2008 Date Closed: 08/2008 Loan Type: Student Loan Late Payments 1 months 0 0 0
GATEWAY/CBSD #6011767600302168 PO BOX 6497 SIOUX FALLS , SD 57117-6497 Phone number not available Balance: Date Updated: 06/2000 High Balance: $1,362 Credit Limit: $1,400 Past Due: $0 Pay Status: Paid or Paying as Agreed Account Type: Revolving Account Responsibility: Individual Account Date Opened: 06/2000 Loan Type: Combined Credit Plan Late Payments 1 months 0 0 0
Last 1 Months
The following companies have received your credit report. Their inquiries remain on your credit report for two years.
ARROW FINANCIAL SERVICES 5996 W TOUHY AVENU NILES , IL 60714 Phone number not available Requested On: Inquiry Type: 04/08/2008 Individual Permissible Purpose: COLLECTION
SCOTTSDALE COLLECTION SV 2501 W DUNLAP SUITE 240 PHOENIX , AZ 85021 Phone number not available Requested On: Inquiry Type: 04/08/2008 Individual
LTD FINANCIAL SERVICES 7322 SOUTHWEST FRE SUITE 1600 HOUSTON , TX 77074 (713) 414-2100 Requested On: Inquiry Type: 11/26/2007 Individual
The companies listed below received your name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full credit report. These inquiries are not seen by anyone but you and do not affect your credit score.
PAYDAY ONE 4150 INTERNATIONAL SUITE 400 FORT WORTH , TX 76109 (888) 729-3291 Requested On: 09/2009
AMERICAN FAMILY INSURANC 6000 AMERICAN PKWY MADISON , WI 53783-0001 Phone number not available Requested On: 11/2008
The companies listed below obtained information from your consumer report for the purpose of an account review or other business transaction with you. These inquiries are not displayed to anyone but you and will not affect any creditor's decision or any score (except insurance companies may have access to other insurance company inquiries, where permitted by law).
NCO FINANCIAL SERVICES pe 507 PRUDENTIAL ROA HORSHAM , PA 19044 (800) 273-6816 Requested On: 08/2009
NORTHLAND GROUP pe 7831 GLENROY RD SUITE 145 EDINA , MN 55439 (612) 831-4005 Requested On: 07/2009
NORTHLAND GROUP pe 7831 GLENROY RD SUITE 145 EDINA , MN 55439 (612) 831-4005 Requested On: 07/2009
RJM AQUISITIONS pe 575 UNDERHILL BLVD SUITE 224 SYOSSET , NY 11791 (516) 714-1300 Requested On: 05/2009
ARROW FINANCIAL SERVICES pe 5996 W TOUHY AVENU NILES , IL 60714 Phone number not available Requested On: 04/2009
ARROW FINANCIAL SERVICES pe 5996 W TOUHY AVENU NILES , IL 60714 Phone number not available Requested On: 01/2009
ARROW FINANCIAL SERVICES pe 5996 W TOUHY AVENU NILES , IL 60714 Phone number not available Requested On: 10/2008
ARROW FINANCIAL SERVICES pe 5996 W TOUHY AVENU NILES , IL 60714 Phone number not available Requested On: 07/2008
RJM AQUISITIONS pe 575 UNDERHILL BLVD SUITE 224 SYOSSET , NY 11791 (516) 714-1300 Requested On: 07/2008
NORTHLAND GROUP pe 7831 GLENROY RD. SUITE 145 EDINA , MN 55439 Phone number not available Requested On: 06/2008
SCOTTSDALE COLL SERVICES pe 2501 W DUNLAP SUITE 240 PHOENIX , AZ 85021 Phone number not available Requested On: 04/2008
Should you wish to contact TransUnion, you may do so, Report an Inaccuracy: To learn about reporting an inaccuracy click here. By Mail: TransUnion Consumer Relations PO Box 2000 Chester, PA 19022-2000 By Phone: 1-800-916-8800 Our business hours in your time zone are: 8:30 A.M. to 4:30 P.M., Monday-Friday, except major holidays. Please have your TransUnion file number available (located at the top of this report.)
Para informacion en espanol, visite www.ftc.gov/credit o escribe a la FTC Consumer Response Center, Room 130-A, 600 Pennsylvania Ave., N.W., Washington, D.C. 20580. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about
additional rights, go to www.ftc.gov/credit, or write to Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave., N.W., Washington. D.C. 20580. 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, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for more 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.ftc.gov/credit 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, the consumer reporting agency is not required to remove accurate derogatory information from your file unless it is outdated (as described below) or cannot be verified. 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.ftc.gov/credit. You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-567-8688 (888-5OPTOUT). You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit.
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. Federal enforcers are: TYPE OF BUSINESS: CONTACT: Consumer reporting agencies, creditors and others not listed below. Federal Trade Commission Consumer Response Center - FCRA Washington, DC 20580 1-877-382-4357 National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) Office of the Comptroller of the Currency Compliance Management, Mail Stop 6-6 Washington, DC 20219 1-800-613-6743 Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Consumer Help PO Box 1200 Minneapolis, MN 55480 1-202-452-3693 Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) Office of Thrift Supervision Consumer Complaints Washington, DC 20552 1-800-842-6929 Federal credit unions (words "Federal Credit Union" appear in institution's name) National Credit Union Administration 1775 Duke Street Alexandria, VA 22314 1-703-519-4600 State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Avenue, Suite 100 Kansas City, Missouri 64108-2638 1-877-275-3342 Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation Office of Financial Management Washington, DC 20590 1-202-366-1306 Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture Office of Deputy Administrator - GIPSA Washington, DC 20250 1-202-720-7051 Information Regarding State Laws Wisconsin Residents Wisconsin Consumers Have the Right to Obtain a Security Freeze As of January 1, 2007 you have a right to include a "security freeze" with your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report in connection with a credit transaction without your express authorization. A security freeze must be requested in writing by certified mail. The security freeze is designed to prevent an extension of credit, such as a loan, 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 loan, credit, mortgage, or Internet credit card transaction, including an extension of credit at point of sale.
When you request a security freeze for your credit report, you will be provided a personal identification number or password to use if you choose to remove the security freeze from your credit report or authorize the release of your credit report for a period of time after the security freeze is in place. To provide that authorization you must contact the consumer reporting agency and provide all of the following:
1) 2) 3) 4)
The personal identification number or password. Proper identification to verify your identity. The period of time for which the report shall be made available. Payment of the appropriate fee.
A security freeze does not apply to a person or its affiliates, or collection agencies acting on behalf of a person, 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. Unless you are a victim of identity theft with a police report to verify the crime, a consumer reporting agency has the right to charge you no more than $10 to include a security freeze with your credit report, no more than $10 to authorize release of a report that includes a security freeze, and no more than $10 to remove a security freeze from your credit report.
Name: KRISTY M. HAHN Other Names: KRISTY M. TOBIN CHRISTY M. TOBIN You have been on our files since 01/1993 SSN: 550-19-5427 Date of Birth: 06/1972 Telephone 474-8368
CURRENT ADDRESS
Address: 51 PO BOX 51 NORTH FREEDOM, WI 53951 Date Reported: 12/2008
PREVIOUS ADDRESSES
Address: 1295 N. ASH ST., #811 GILBERT, AZ 85233 Date Reported: 06/2008
Address: 848 W. 15TH AV. APACHE JUNCTION, AZ 85220
EMPLOYMENT DATA REPORTED Employer Name: LANDS END Date Reported: 09/1998 Position: SALES REP Date Hired:
Special Notes: If any item on your credit report begins with 'MED1', it includes medical information and the data following 'MED1' is not displayed to anyone but you except where permitted by law.
The key to the right helps explain the payment history information contained in some of the accounts below. Not all accounts will contain payment history information, but some creditors report how you make payments each month in relation to your agreement with them.
The following accounts contain information that some creditors may consider to be adverse. Adverse account information may generally be reported for 7 years from the date of the first delinquency, depending on your state of residence. The adverse information in these accounts has been printed in >brackets< or is shaded for your convenience, to help you understand your report. They are not bracketed or shaded this way for creditors. (Note: The account # may be scrambled by the creditor for your protection).
ARROW FINANCIAL SERVICES #41845040 5996 W TOUHY AVE NILES , IL 60714-4610 (800) 279-0224 Balance: $446 Date Updated: 07/2009 Original Balance: $359 Original Creditor: PLAINS COMMERCE BANK Past Due: >$446< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 03/2008] Estimated date that this item will be removed:
12/2012
ARROW FINANCIAL SERVICES #41977962 5996 W TOUHY AVE NILES , IL 60714-4610 (800) 279-0224 Balance: $484 Date Updated:
06/2008 Original Balance: $360 Original Creditor: PREMIER BANKCARD INC Past Due: >$484< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 03/2008] Estimated date that this item will be removed:
11/2012
BAY AREA CREDIT SVCS INC #9035003 1901 W 10TH ST ANTIOCH , CA 94509 (925) 757-4533 Balance: $101 Date Updated: 10/2005 Original Balance: $101 Original Creditor: SBC CALIFORNIA Past Due: >$101< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 08/2005] Estimated date that this item will be removed:
08/2011
BUREAU OF MED ECONOMICS #4266640 326 E CORONADO RD #205 PHOENIX , AZ 85004-1524 (602) 252-3469 Balance: $389 Date Updated: 08/2008 Original Balance: $389 Original Creditor: MED1 02 PATHOLOGY SPECIALISTS OF AZ Past Due: >$389< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account
Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 05/2008] Estimated date that this item will be removed:
03/2014
BUREAU OF MED ECONOMICS #4063728 326 E CORONADO RD #205 PHOENIX , AZ 85004-1524 (602) 252-3469 Balance: $683 Date Updated: 12/2007 Original Balance: $683 Original Creditor: MED1 02 EAST VALLEY DIAG IMAGING LLC Past Due: >$683< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 09/2007] Estimated date that this item will be removed:
03/2014
CITIBANK NA #55019542720 701 EAST 60TH ST N SIOUX FALLS , SD 57104-0432 (800) 967-2400 Balance: $301 Date Updated: 10/2009 High Balance: $1,750 Past Due: >$291< Terms: $61 for 120 months Pay Status: >120 Days Past Due< Account Type: Installment Account Responsibility: Individual Account Date Opened: 05/2008 Loan Type: Student Loan >Maximum delinquency of 120+ days in 05/2009 for $291< Estimated date that this item will be removed: 01/2016 Late Payments 16 months >1< >1< >6<
Last 10 Months
COLLECTION SERVICE BUR #I100BAN1302565596 4331 N WELLS FARGO SCOTTSDALE , AZ 85251-3407 (480) 467-2355 Balance: $1,805 Date Updated: 02/2009 Original Balance: $1,805 Original Creditor: MED1 02 BANNER BAYWOOD MEDICAL CENTE Past Due: >$1,805< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 06/2007] Estimated date that this item will be removed:
02/2014
COLLECTION SERVICE BUR #I100BAN1302604344 4331 N WELLS FARGO SCOTTSDALE , AZ 85251-3407 (480) 467-2355 Balance: $6,782 Date Updated: 02/2009 Original Balance: $6,782 Original Creditor: MED1 02 BANNER BAYWOOD MEDICAL CENTE Past Due: >$6,782< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 08/2007] Estimated date that this item will be removed:
03/2014
COLLECTION SERVICE BUR #I100MES3292601122
4331 N WELLS FARGO SCOTTSDALE , AZ 85251-3407 (480) 467-2355 Balance: $4,760 Date Updated: 02/2009 Original Balance: $4,760 Original Creditor: MED1 02 MESA OB GYN INC Past Due: >$4,760< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 08/2007] Estimated date that this item will be removed:
03/2014
ER SOLUTIONS #95103750 500 SW 7TH ST BUILDING A 100 RENTON , WA 98055-2983 (800) 444-8485 Balance: $831 Date Updated: 07/2009 Original Balance: $831 Original Creditor: QWEST Past Due: >$831< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 06/2009] Estimated date that this item will be removed:
FIN CR NETWK #4461826 1300 W MAIN VISALIA , CA 93277 (559) 733-7550 Balance: $101 Date Updated: 12/2004 Original Balance: $101 Original Creditor: SBC PACIFIC BELL Past Due:
06/2015
$0 Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 11/2004] Estimated date that this item will be removed:
09/2011
FIRST PREMIER BANK #5178007384024071 3820 N LOUISE AVE SIOUX FALLS , SD 57107-0145 (800) 987-5521 Balance: $0 Date Updated: 04/2008 High Balance: $410 Collateral: SLDTO ARROW FINANCIAL SERVICES Credit Limit: $300 Past Due: $0 Pay Status: >Charged Off as Bad Debt< Account Type: Revolving Account Responsibility: Individual Account Date Opened: 07/2005 Date Closed: 01/2006 Date Paid: 03/2007 Loan Type: Credit Card Remark: >Profit and loss writeoff< Estimated date that this item will be removed:
10/2012
KENNETH EISEN&ASSOC LTD #D1043344N1 777 E MISSOURI AVE # 103 PHOENIX , AZ 85014 (602) 264-9844 Balance: $228 Date Updated: 05/2009 Original Balance: $228 Original Creditor: 05 COX COMMUNICATIONS CABLE Past Due: >$228< Pay Status: >Collection Account< Account Type: Open Account Responsibility:
Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 11/2008] Estimated date that this item will be removed:
09/2015
NCO - MEDCLEAR #45927604 POB 41448 PHILADELPHIA , PA 19101 (800) 541-2742 Balance: $372 Date Updated: 05/2009 Original Balance: $372 Original Creditor: MED1 02 TEAM PHYS VALLEY LUTH AZ 513 Past Due: >$372< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Factoring Company Account Remark: >Placed for collection< Date placed for collection: [ 07/2008] Estimated date that this item will be removed:
02/2014
NCO - MEDCLEAR #46618148 POB 41448 PHILADELPHIA , PA 19101 (800) 541-2742 Balance: $685 Date Updated: 05/2009 Original Balance: $685 Original Creditor: MED1 02 TEAM PHYS VALLEY LUTH AZ 513 Past Due: >$685< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Factoring Company Account Remark: >Placed for collection< Date placed for collection: [ 08/2008] Estimated date that this item will be removed:
NEMO'S COLLECTIONS #173224 14631 N CAVE CREEK PHOENIX , AZ 85022-4159 (602) 996-6050
03/2014
Balance: $1,237 Date Updated: 10/2009 Original Balance: $1,165 Original Creditor: MED1 02 MEDICAL PAYMENT DATA Past Due: >$1,237< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 07/2007] Estimated date that this item will be removed:
04/2014
RJM ACQUISITIONS LLC/WAS #19R600002494167 575 UNDERHILL BLVD SUITE 224 SYOSSET , NY 11791 (800) 268-0623 Balance: $156 Date Updated: 10/2009 Original Balance: $156 Original Creditor: 08 WASHINGTON MUTUAL CHECKING ACC Past Due: >$156< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Factoring Company Account Remark: >Placed for collection< Date placed for collection: [ 09/2007] Estimated date that this item will be removed:
12/2012
SCOTTSDALE COLLECTION SE #456694680900 2501 W DUNLAP AVE STE 240 PHOENIX , AZ 85021-1715 (480) 575-9840 Balance: $3,434 Date Updated: 11/2009 Original Balance: $2,758 Original Creditor: MED1 02 BAUTISTA TOBIN DELIA Past Due: >$3,434< Pay Status: >Collection Account<
Account Type: Open Account Responsibility: Joint Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 04/2008] Estimated date that this item will be removed:
03/2014
TRI STATE ADJUSTMENTS IN #592245A 3439 EAST AVE S LA CROSSE , WI 54601-7241 (608) 788-8683 Balance: $377 Date Updated: 06/2004 Original Balance: $377 Original Creditor: MED1 GUNDERSEN CLINIC LTD Past Due: >$377< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: [ 04/2004] Estimated date that this item will be removed:
08/2010
XLS / STUDENT LOAN XPRES #4862840334EG00001 POB 94553 CLEVELAND , OH 44101 (888) 811-7101 Balance: $1,750 Date Updated: 10/2009 High Balance: $1,750 Past Due: >$226< Terms: $22 for 102 months Pay Status: >120 Days Past Due< Account Type: Installment Account Responsibility: Individual Account Date Opened: 02/2008 Loan Type: Student Loan >Maximum delinquency of 120+ days in 05/2009 for $113< Estimated date that this item will be removed: 12/2015 Late Payments 19 months 0 >1<
>6<
Last 19 Months
XLS / STUDENT LOAN XPRES #4862840334EG00002 POB 94553 CLEVELAND , OH 44101 (888) 811-7101 Balance: $2,110 Date Updated: 10/2009 High Balance: $2,000 Past Due: >$273< Terms: $27 for 102 months Pay Status: >120 Days Past Due< Account Type: Installment Account Responsibility: Individual Account Date Opened: 02/2008 Loan Type: Student Loan >Maximum delinquency of 120+ days in 05/2009 for $136< Estimated date that this item will be removed: 12/2015 Late Payments 19 months 0 >1< >6<
Last 19 Months
The following accounts are reported with no adverse information. (Note: The account # may be scrambled by the creditor for your protection).
CITIBANK NA #55019542721 701 EAST 60TH ST N SIOUX FALLS , SD 57104-0432
(800) 967-2400 Balance: $0 Date Updated: 08/2008 High Balance: $2,000 Past Due: $0 Pay Status: Unrated Account Type: Installment Account Responsibility: Individual Account Date Opened: 05/2008 Date Closed: 08/2008 Loan Type: Student Loan Late Payments 2 months 0 0 0
CITIBANK NA #55019542722 701 EAST 60TH ST N SIOUX FALLS , SD 57104-0432 (800) 967-2400 Balance: $0 Date Updated: 08/2008 High Balance: $2,000 Past Due: $0 Pay Status: Unrated Account Type: Installment Account Responsibility: Individual Account Date Opened: 06/2008 Date Closed: 08/2008 Loan Type: Student Loan Late Payments 1 months 0 0 0
GATEWAY/CBSD #6011767600302168 PO BOX 6497 SIOUX FALLS , SD 57117-6497 Phone number not available Balance: Date Updated: 06/2000 High Balance: $1,362 Credit Limit: $1,400 Past Due: $0 Pay Status: Paid or Paying as Agreed Account Type: Revolving Account Responsibility: Individual Account Date Opened: 06/2000 Loan Type: Combined Credit Plan Late Payments 1 months 0 0 0
Last 1 Months
The following companies have received your credit report. Their inquiries remain on your credit report for two years.
ARROW FINANCIAL SERVICES 5996 W TOUHY AVENU NILES , IL 60714 Phone number not available Requested On: Inquiry Type: 04/08/2008 Individual Permissible Purpose: COLLECTION
SCOTTSDALE COLLECTION SV 2501 W DUNLAP SUITE 240 PHOENIX , AZ 85021 Phone number not available Requested On: Inquiry Type: 04/08/2008 Individual
LTD FINANCIAL SERVICES 7322 SOUTHWEST FRE SUITE 1600 HOUSTON , TX 77074 (713) 414-2100 Requested On: Inquiry Type: 11/26/2007 Individual
The companies listed below received your name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full credit report. These inquiries are not seen by anyone but you and do not affect your credit score.
PAYDAY ONE 4150 INTERNATIONAL SUITE 400 FORT WORTH , TX 76109 (888) 729-3291 Requested On: 09/2009
AMERICAN FAMILY INSURANC 6000 AMERICAN PKWY MADISON , WI 53783-0001 Phone number not available Requested On: 11/2008
The companies listed below obtained information from your consumer report for the purpose of an account review or other business transaction with you. These inquiries are not displayed to anyone but you and will not affect any creditor's decision or any score (except insurance companies may have access to other insurance company inquiries, where permitted by law).
NCO FINANCIAL SERVICES pe 507 PRUDENTIAL ROA HORSHAM , PA 19044 (800) 273-6816 Requested On: 08/2009
NORTHLAND GROUP pe 7831 GLENROY RD SUITE 145 EDINA , MN 55439 (612) 831-4005 Requested On: 07/2009
NORTHLAND GROUP pe 7831 GLENROY RD SUITE 145 EDINA , MN 55439 (612) 831-4005 Requested On: 07/2009
RJM AQUISITIONS pe 575 UNDERHILL BLVD SUITE 224 SYOSSET , NY 11791 (516) 714-1300 Requested On: 05/2009
ARROW FINANCIAL SERVICES pe 5996 W TOUHY AVENU NILES , IL 60714 Phone number not available Requested On: 04/2009
ARROW FINANCIAL SERVICES pe 5996 W TOUHY AVENU NILES , IL 60714 Phone number not available Requested On: 01/2009
ARROW FINANCIAL SERVICES pe 5996 W TOUHY AVENU NILES , IL 60714 Phone number not available Requested On: 10/2008
ARROW FINANCIAL SERVICES pe 5996 W TOUHY AVENU NILES , IL 60714 Phone number not available Requested On: 07/2008
RJM AQUISITIONS pe 575 UNDERHILL BLVD SUITE 224 SYOSSET , NY 11791 (516) 714-1300 Requested On: 07/2008
NORTHLAND GROUP pe 7831 GLENROY RD. SUITE 145 EDINA , MN 55439 Phone number not available Requested On: 06/2008
SCOTTSDALE COLL SERVICES pe 2501 W DUNLAP SUITE 240 PHOENIX , AZ 85021 Phone number not available Requested On: 04/2008
Should you wish to contact TransUnion, you may do so, Report an Inaccuracy: To learn about reporting an inaccuracy click here. By Mail: TransUnion Consumer Relations PO Box 2000 Chester, PA 19022-2000 By Phone: 1-800-916-8800 Our business hours in your time zone are: 8:30 A.M. to 4:30 P.M., Monday-Friday, except major holidays. Please have your TransUnion file number available (located at the top of this report.)
Para informacion en espanol, visite www.ftc.gov/credit o escribe a la FTC Consumer Response Center, Room 130-A, 600 Pennsylvania Ave., N.W., Washington, D.C. 20580. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about
additional rights, go to www.ftc.gov/credit, or write to Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave., N.W., Washington. D.C. 20580. 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, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for more 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.ftc.gov/credit 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, the consumer reporting agency is not required to remove accurate derogatory information from your file unless it is outdated (as described below) or cannot be verified. 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.ftc.gov/credit. You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-567-8688 (888-5OPTOUT). You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit.
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. Federal enforcers are: TYPE OF BUSINESS: CONTACT: Consumer reporting agencies, creditors and others not listed below. Federal Trade Commission Consumer Response Center - FCRA Washington, DC 20580 1-877-382-4357 National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) Office of the Comptroller of the Currency Compliance Management, Mail Stop 6-6 Washington, DC 20219 1-800-613-6743 Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Consumer Help PO Box 1200 Minneapolis, MN 55480 1-202-452-3693 Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) Office of Thrift Supervision Consumer Complaints Washington, DC 20552 1-800-842-6929 Federal credit unions (words "Federal Credit Union" appear in institution's name) National Credit Union Administration 1775 Duke Street Alexandria, VA 22314 1-703-519-4600 State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Avenue, Suite 100 Kansas City, Missouri 64108-2638 1-877-275-3342 Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation Office of Financial Management Washington, DC 20590 1-202-366-1306 Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture Office of Deputy Administrator - GIPSA Washington, DC 20250 1-202-720-7051 Information Regarding State Laws Wisconsin Residents Wisconsin Consumers Have the Right to Obtain a Security Freeze As of January 1, 2007 you have a right to include a "security freeze" with your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report in connection with a credit transaction without your express authorization. A security freeze must be requested in writing by certified mail. The security freeze is designed to prevent an extension of credit, such as a loan, 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 loan, credit, mortgage, or Internet credit card transaction, including an extension of credit at point of sale.
When you request a security freeze for your credit report, you will be provided a personal identification number or password to use if you choose to remove the security freeze from your credit report or authorize the release of your credit report for a period of time after the security freeze is in place. To provide that authorization you must contact the consumer reporting agency and provide all of the following:
1) 2) 3) 4)
The personal identification number or password. Proper identification to verify your identity. The period of time for which the report shall be made available. Payment of the appropriate fee.
A security freeze does not apply to a person or its affiliates, or collection agencies acting on behalf of a person, 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. Unless you are a victim of identity theft with a police report to verify the crime, a consumer reporting agency has the right to charge you no more than $10 to include a security freeze with your credit report, no more than $10 to authorize release of a report that includes a security freeze, and no more than $10 to remove a security freeze from your credit report.
Related Documents
View Printable Report
June 2020 3
Printable Report
May 2020 8
Printable
June 2020 14
Margalla View Report
May 2020 0
Printable Mazes
June 2020 8