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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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
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<
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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
COLLECTION SERVICE BUR #I100BAN1302604344
4331 N WELLS FARGO

(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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
COLLECTION SERVICE BUR #I100MES3292601122

4331 N WELLS FARGO
(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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
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:
$0
Pay Status:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
FIRST PREMIER BANK #5178007384024071
3820 N LOUISE AVE

(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<
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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
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:
Account Type:
Open Account
Responsibility:
Individual Account
Loan Type: Factoring Company Account
Remark:
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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
NEMO'S COLLECTIONS #173224
14631 N CAVE CREEK

PHOENIX , AZ 85022-4159
(602) 996-6050
Balance:
$1,237
Date Updated:
10/2009
Original Balance:
$1,165
Original Creditor:
MED1 02 MEDICAL PAYMENT DATA
Past Due:
>$1,237<
Pay Status:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
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:
Account Type:
Open Account
Responsibility:
Joint Account
Remark:
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:
Account Type:
Open Account
Responsibility:
Individual Account
Remark:
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
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
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).
701 EAST 60TH ST N

(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
Late Payments
2 months
0
0
0
701 EAST 60TH ST N

(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
Late Payments
1 months
0
0
0
GATEWAY/CBSD #6011767600302168
PO BOX 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
Requested On:
Inquiry Type:
04/08/2008
Individual
Permissible Purpose: COLLECTION
SCOTTSDALE COLLECTION SV
2501 W DUNLAP
SUITE 240
PHOENIX , AZ 85021
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
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

pe
5996 W TOUHY AVENU
NILES , IL 60714
Requested On:
04/2009

pe
5996 W TOUHY AVENU
NILES , IL 60714
Requested On:
01/2009

pe
5996 W TOUHY AVENU
NILES , IL 60714
Requested On:
10/2008

pe
5996 W TOUHY AVENU
NILES , IL 60714
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
Requested On:
06/2008
SCOTTSDALE COLL SERVICES

pe
2501 W DUNLAP
SUITE 240
PHOENIX , AZ 85021
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
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
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
1-202-366-1306
Activities subject to the Packers and Stockyards Act, 1921

Department of Agriculture
Office of Deputy Administrator - GIPSA
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) The personal identification number or password.
2) Proper identification to verify your identity.
3) The period of time for which the report shall be made available.
4) 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.

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You have been on our files since 01/1993

ARROW FINANCIAL SERVICES #41845040

5996 W TOUHY AVE

ARROW FINANCIAL SERVICES #41977962

5996 W TOUHY AVE

BAY AREA CREDIT SVCS INC #9035003

BUREAU OF MED ECONOMICS #4266640

BUREAU OF MED ECONOMICS #4063728

701 EAST 60TH ST N

COLLECTION SERVICE BUR #I100BAN1302565596

4331 N WELLS FARGO

COLLECTION SERVICE BUR #I100BAN1302604344

4331 N WELLS FARGO

COLLECTION SERVICE BUR #I100MES3292601122

FIN CR NETWK #4461826

FIRST PREMIER BANK #5178007384024071

3820 N LOUISE AVE

KENNETH EISEN&ASSOC LTD #D1043344N1

777 E MISSOURI AVE

NCO - MEDCLEAR #45927604

NCO - MEDCLEAR #46618148

NEMO'S COLLECTIONS #173224

14631 N CAVE CREEK

RJM ACQUISITIONS LLC/WAS #19R600002494167

575 UNDERHILL BLVD

SCOTTSDALE COLLECTION SE #456694680900

2501 W DUNLAP AVE

TRI STATE ADJUSTMENTS IN #592245A

3439 EAST AVE S

XLS / STUDENT LOAN XPRES #4862840334EG00001

XLS / STUDENT LOAN XPRES #4862840334EG00002

701 EAST 60TH ST N

701 EAST 60TH ST N

ARROW FINANCIAL SERVICES

AMERICAN FAMILY INSURANC

NCO FINANCIAL SERVICES

ARROW FINANCIAL SERVICES

ARROW FINANCIAL SERVICES

ARROW FINANCIAL SERVICES

ARROW FINANCIAL SERVICES

SCOTTSDALE COLL SERVICES

Should you wish to contact TransUnion,

A Summary of Your Rights Under the Fair Credit Reporting Act

your file contains inaccurate information as a result of fraud;

you are on public assistance;

For more information, visit www.ftc.gov/credit.

Consumer reporting agencies, creditors and others not listed below.

National banks, federal branches/agencies of foreign banks

Savings associations and federally chartered savings banks

Federal credit unions

Activities subject to the Packers and Stockyards Act, 1921

Information Regarding State Laws

Wisconsin Consumers Have the Right to Obtain a Security Freeze

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