Prepared For ROBIN RICHTER Personal & Confidential Date Generated Apr 7, 2026 Report Number 1918-2756-10 12 Accounts 0 Public Records 0 Hard Inquiries Personal Information 4 12 0 1 5 Because your personal information is reported by you, your creditors, and other sources, it's typical to see small variations in reported personal information, like names and addresses. For security reasons, many of these items can't be disputed online, but don't worry—they don't affect your credit score. At a Glance Names Addresses Employers Personal Statements Other Records 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 1/40 Names ROBIN RICHTER Name ID #29428 ROBIN L RICHTER Name ID #18923 ROBIN LYNN RICHTER Name ID #19019 ROBIN MYATT Name ID #7428 Addresses 1275 CENTURY OAKS DR ELGIN IL, 60123- 1324 Address ID #0117415550 Single family PO BOX 1442 ELGIN IL, 60121- 1442 Address ID #0117443054 Post office box PO BOX 222 ELGIN IL, 60121- 0222 Address ID #0117442331 Post office box 940 BRIDEN DR APT7 MARENGO IL, 60152-2935 Address ID #0117655102 Apartment complex 920 BRIDEN DR MARENGO IL, 60152-2933 Address ID #0117655077 Multifamily 920 BRIDEN DR APT8 MARENGO IL, 60152-2933 Address ID #0117655085 Apartment complex 185 MARIAN PKWY CRYSTAL LAKE IL, 60014-4201 Address ID #0116387283 Single family 435 EUGENE ST CRYSTAL LAKE IL, 60014-7207 Address ID #0116394685 Single family 4906 DRIVE IN LN CRYSTAL LAKE IL, 60014-8121 Address ID #0116397631 Single family 207 N MAIN ST APT103 CRYSTAL LAKE IL, 60014-4451 Address ID #0212773307 Apartment complex 207 N MAIN ST CRYSTAL LAKE IL, 60014-4456 Address ID #0116388556 Multifamily 940 BRIDEN DR MARENGO IL, 60152-2935 Address ID #0117655095 Multifamily 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 2/40 Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors. Year of Birth 1965 Phone Numbers (815) 349-5420 Residential (815) 455-0914 Residential (815) 219-8853 Cellular Spouse or Co-Applicant DIETER Personal Statements ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT 815-261-2984. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 03-02-26. AMERICAN EXPRESS 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 3/40 Account Info Account Name AMERICAN EXPRESS Account Number 3499929544192183 Account Type Credit card Responsibility Individual Interest Type - Date Opened 02/14/2022 Status Open/Never late. Status Updated Mar 2026 Balance $17 Balance Updated 03/13/2026 Recent Payment - Monthly Payment $17 Credit Limit $5,500 Highest Balance $896 Terms - Payment History Balance Histories Date Balance Scheduled Payment Paid Feb 2026 $17 $17 $0 Jan 2026 $17 $17 $0 Dec 2025 $17 $17 $0 Nov 2025 $17 $17 $0 2026 2025 2024 2023 2022 J — F — M A — M — J — J — A — S — O — N — D — Current / Terms met 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 4/40 Date Balance Scheduled Payment Paid Oct 2025 $17 $17 $0 Sep 2025 $17 $17 $0 Aug 2025 $0 $0 $0 Jul 2025 $0 $0 $0 Jun 2025 $0 $0 $0 May 2025 $0 $0 $0 Apr 2025 $141 $40 $0 Mar 2025 $15 $15 $0 Feb 2025 $146 $40 $0 Jan 2025 $136 $40 $0 Dec 2024 $357 $40 $0 Nov 2024 $267 $40 $0 Oct 2024 $240 $40 $0 Sep 2024 $260 $40 $0 Aug 2024 $402 $40 $0 Jul 2024 $435 $40 $0 Jun 2024 $239 $40 $0 May 2024 $280 $69 $0 Apr 2024 $86 $40 $0 Additional info Between Apr 2024 and Feb 2026, your credit limit/high balance was $5,500 Contact Info Address PO BOX 981537, EL PASO TX 79998 Phone Number (800) 874-2717 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 5/40 BMO BANK NA Account Info Account Name BMO BANK NA Account Number 526947XXXXXXXXXX Account Type Credit card Responsibility Individual Interest Type - Date Opened 07/28/2023 Status Open/Never late. Status Updated Mar 2026 Balance $9,153 Balance Updated 03/24/2026 Recent Payment $320 as of 3/18/2026 Monthly Payment $265 Credit Limit $12,000 Highest Balance $9,577 Terms - Payment History Balance Histories Date Balance Scheduled Payment Paid Feb 2026 $9,209 $268 $320 on 2/18/2026 Jan 2026 $9,247 $264 $320 on 1/16/2026 Dec 2025 $9,283 $273 $320 on 12/18/2025 2026 2025 2024 2023 J — F — M — A — — M — — J — — J — — A — S — O — N — D — Current / Terms met 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 6/40 Date Balance Scheduled Payment Paid Nov 2025 $9,324 $269 $320 on 11/18/2025 Oct 2025 $9,357 $276 $320 on 10/17/2025 Sep 2025 $9,392 $277 $320 on 9/18/2025 Aug 2025 $9,421 $302 $327 on 8/16/2025 Jul 2025 $9,486 $277 $271 on 7/22/2025 Jun 2025 $9,442 $271 $271 on 6/19/2025 May 2025 $9,422 $272 $272 on 5/21/2025 Apr 2025 $9,408 $232 $232 on 4/21/2025 Mar 2025 $8,512 $231 $231 on 3/21/2025 Feb 2025 $8,057 $211 $211 on 2/21/2025 Jan 2025 $7,251 $137 $137 on 1/21/2025 Dec 2024 $6,860 $116 $116 on 12/21/2024 Nov 2024 $5,830 $97 $97 on 11/21/2024 Oct 2024 $4,851 $95 $95 on 10/21/2024 Sep 2024 $4,785 $81 $81 on 9/21/2024 Aug 2024 $4,096 $74 $74 on 8/21/2024 Jul 2024 $3,702 $59 $59 on 7/21/2024 Jun 2024 $2,958 $46 $46 on 6/21/2024 May 2024 $2,315 $42 $42 on 5/21/2024 Apr 2024 $2,112 $36 $36 on 4/21/2024 Additional info Between Apr 2024 and Feb 2026, your credit limit/high balance was $12,000 Contact Info Address PO BOX 1111, MADISON WI 53701 Phone Number (888) 464-5463 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 7/40 CAP1/KOHLS DEPT STORE Account Info Account Name CAP1/KOHLS DEPT STORE Account Number 639305XXXXXXXXXX Account Type Charge Card Responsibility Authorized user Interest Type - Date Opened 08/15/2014 Status Open/Never late. Status Updated Mar 2026 Balance $0 Balance Updated 03/11/2026 Recent Payment - Monthly Payment $0 Credit Limit $2,000 Highest Balance $656 Terms - Payment History Balance Histories 2026 2025 2024 2023 2022 2021 2020 2019 J — F — M — A — M — J — J — A — S — O — N — D — Current / Terms met 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 8/40 Date Balance Scheduled Payment Paid Feb 2026 $0 $0 $0 on 5/26/2024 Jan 2026 $0 $0 $0 on 5/26/2024 Dec 2025 $0 $0 $0 on 5/26/2024 Nov 2025 $0 $0 $0 on 5/26/2024 Oct 2025 $0 $0 $0 on 5/26/2024 Sep 2025 $0 $0 $0 on 5/26/2024 Aug 2025 $0 $0 $0 on 5/26/2024 Jul 2025 $0 $0 $0 on 5/26/2024 Jun 2025 $0 $0 $0 on 5/26/2024 May 2025 $0 $0 $0 on 5/26/2024 Apr 2025 $0 $0 $0 on 5/26/2024 Mar 2025 $0 $0 $0 on 5/26/2024 Feb 2025 $0 $0 $0 on 5/26/2024 Jan 2025 $0 $0 $0 on 5/25/2024 Dec 2024 $0 $0 $0 on 5/25/2024 Nov 2024 $0 $0 $0 on 5/25/2024 Oct 2024 $0 $0 $0 on 5/25/2024 Sep 2024 $0 $0 $0 on 5/25/2024 Aug 2024 $0 $0 $0 on 5/25/2024 Jul 2024 $0 $0 $0 on 5/25/2024 Jun 2024 $0 $0 $123 on 5/25/2024 May 2024 $123 $29 $0 on 6/19/2023 Apr 2024 $0 $0 $0 on 6/19/2023 Additional info Between Apr 2024 and Feb 2026, your credit limit/high balance was $2,000 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 9/40 Contact Info Address PO BOX 31293, SALT LAKE CITY UT 84131 Phone Number (800) 955-7070 CAPITAL ONE Account Info Account Name CAPITAL ONE Account Number 400344XXXXXXXXXX Account Type Credit card Responsibility Authorized user Interest Type - Date Opened 04/02/2015 Status Paid, Closed/Never late. Status Updated Aug 2016 Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit $3,500 Highest Balance $1,640 Terms - On Record Until Aug 2026 Payment History This account is scheduled to continue on record until Aug 2026. Contact Info 2016 2015 J — F — M — A M J J A CLS S — O — ND N — D — Current / Terms met CLS Closed ND No data for this period 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 10/40 Address PO BOX 31293, SALT LAKE CITY UT 84131 Phone Number (800) 955-7070 Comment Current: Account closed at consumer's request. Previous: None CAPITAL ONE Account Info Account Name CAPITAL ONE Account Number 414709XXXXXXXXXX Account Type Credit Card Responsibility Individual Interest Type - Date Opened 07/14/2016 Status Open/Never late. Status Updated Mar 2026 Balance $4,876 Balance Updated 03/14/2026 Recent Payment - Monthly Payment $155 Credit Limit $5,000 Highest Balance $5,129 Terms - Payment History 2026 2025 2024 J F M A — M — J — J — A — S — O — N — D — 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 11/40 Balance Histories Date Balance Scheduled Payment Paid Feb 2026 $4,356 $137 $0 on 2/5/2026 Jan 2026 $4,897 $156 $0 on 1/2/2026 Dec 2025 $4,610 $155 $0 on 12/11/2025 Nov 2025 $4,571 $149 $0 on 11/10/2025 Oct 2025 $4,415 $150 $0 on 10/9/2025 Sep 2025 $4,843 $154 $0 on 9/9/2025 Aug 2025 $4,432 $144 $0 on 8/9/2025 Jul 2025 $4,973 $153 $0 on 7/9/2025 Jun 2025 $4,275 $131 $0 on 6/9/2025 May 2025 $3,344 $93 $0 on 5/9/2025 Apr 2025 $1,458 $41 $0 on 4/9/2025 Mar 2025 $954 $31 $0 on 3/10/2025 Feb 2025 $759 $25 $0 on 2/10/2025 Jan 2025 $467 $25 $0 on 1/9/2025 Dec 2024 $649 $25 $0 on 12/9/2024 Nov 2024 $419 $25 $0 on 11/9/2024 Oct 2024 $434 $25 $0 on 10/9/2024 Sep 2024 $449 $25 $0 on 9/9/2024 2023 2022 2021 2020 2019 — — — Current / Terms met 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 12/40 Date Balance Scheduled Payment Paid Aug 2024 $332 $25 $0 on 8/9/2024 Jul 2024 $290 $25 $0 on 7/9/2024 Jun 2024 $117 $25 $0 on 6/10/2024 May 2024 $325 $25 $0 on 5/9/2024 Apr 2024 $522 $25 $0 on 4/9/2024 Additional info Between Apr 2024 and Feb 2026, your credit limit/high balance was $5,000 Contact Info Address PO BOX 31293, SALT LAKE CITY UT 84131 Phone Number (800) 955-7070 CAPITAL ONE Account Info Account Name CAPITAL ONE Account Number 414709XXXXXXXXXX Account Type Credit Card Responsibility Individual Interest Type - Date Opened 12/09/2017 Status Open/Never late. Status Updated Mar 2026 Balance $14,745 Balance Updated 03/11/2026 Recent Payment - Monthly Payment $405 Credit Limit $15,000 Highest Balance $15,012 Terms - Payment History 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 13/40 Balance Histories Date Balance Scheduled Payment Paid Feb 2026 $14,711 $380 $0 on 2/5/2026 Jan 2026 $14,733 $406 $0 on 1/5/2026 Dec 2025 $14,746 $413 $0 on 12/5/2025 Nov 2025 $14,861 $408 $0 on 11/5/2025 Oct 2025 $14,881 $411 $0 on 10/5/2025 Sep 2025 $14,477 $390 $0 on 9/5/2025 Aug 2025 $13,507 $378 $0 on 8/5/2025 Jul 2025 $13,300 $374 $0 on 7/5/2025 Jun 2025 $13,264 $366 $0 on 6/5/2025 May 2025 $13,279 $373 $0 on 5/5/2025 Apr 2025 $13,230 $350 $0 on 4/5/2025 Mar 2025 $12,069 $327 $0 on 3/5/2025 Feb 2025 $10,753 $280 $0 on 2/5/2025 Jan 2025 $9,810 $340 $0 on 1/9/2025 2026 2025 2024 2023 2022 2021 2020 2019 J — F — M — A — M — J — J — A — S — O — N — D — Current / Terms met 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 14/40 Date Balance Scheduled Payment Paid Dec 2024 $13,028 $367 $0 on 12/5/2024 Nov 2024 $12,188 $317 $0 on 11/5/2024 Oct 2024 $9,881 $270 $0 on 10/5/2024 Sep 2024 $9,276 $263 $0 on 9/5/2024 Aug 2024 $7,980 $214 $0 on 8/5/2024 Jul 2024 $5,827 $167 $0 on 7/5/2024 Jun 2024 $5,189 $51 $0 on 6/5/2024 May 2024 $2,874 $28 $0 on 1/24/2024 Apr 2024 $0 $0 $0 on 1/24/2024 Additional info Between Oct 2024 and Feb 2026, your credit limit/high balance was $15,000 Between Apr 2024 and Sep 2024, your credit limit/high balance was $10,000 Contact Info Address PO BOX 31293, SALT LAKE CITY UT 84131 Phone Number (800) 955-7070 DEPT OF ED/AIDVANTAGE Account Info Account Name DEPT OF ED/AIDVANTAGE Account Number 938132XXXXXXXXXXXXXXXXXXXXXXX Account Type Education Responsibility Individual Interest Type Fixed Date Opened 03/14/2011 Status Open/Never late. Status Updated Mar 2026 Balance $2,768 Balance Updated 03/31/2026 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 15/40 Recent Payment - Monthly Payment $0 Original Balance $2,125 Highest Balance - Terms 300 Months Payment History Balance Histories Date Balance Scheduled Payment Paid Feb 2026 $2,759 $0 $0 on 2/14/2026 Jan 2026 $2,751 $0 $0 on 1/14/2026 Dec 2025 $2,741 $0 $0 on 12/14/2025 Nov 2025 $2,732 $0 $0 on 11/14/2025 Oct 2025 $2,723 $0 $0 on 10/14/2025 Sep 2025 $2,714 $0 $0 on 9/14/2025 Aug 2025 $2,705 $0 $0 on 8/14/2025 Jul 2025 $2,696 $0 $0 on 7/14/2025 Jun 2025 $2,686 $0 $0 on 6/14/2025 2026 2025 2024 2023 2022 2021 2020 2019 J ND — F — M — A — M — J — ND J — ND A — ND S — O — ND N — ND D — ND Current / Terms met ND No data for this period 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 16/40 Date Balance Scheduled Payment Paid May 2025 $2,677 $0 $0 on 5/14/2025 Apr 2025 $2,668 $0 $0 on 4/14/2025 Mar 2025 $2,659 $0 $0 on 3/14/2025 Feb 2025 $2,650 $0 $0 on 2/14/2025 Jan 2025 $2,641 $0 $0 on 1/14/2025 Nov 2024 $2,623 $0 $0 on 11/14/2024 Oct 2024 $2,614 $0 $0 on 10/14/2024 Sep 2024 $2,605 $0 $0 on 9/14/2024 Aug 2024 $2,596 $0 $0 on 8/14/2024 Jul 2024 $2,586 $0 $0 on 7/14/2024 Jun 2024 $2,577 $0 $0 on 6/14/2024 May 2024 $2,568 $0 $0 on 5/14/2024 Apr 2024 $2,559 $0 $0 on 4/14/2024 Additional info The original amount of this account was $2,125 Contact Info Address PO BOX 300001, GREENVILLE TX 75403 Phone Number (800) 722-1300 Comment Current: None Previous: Payment Deferred. Oct 2023 to Jan 2024 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 17/40 DEPT OF ED/AIDVANTAGE Account Info Account Name DEPT OF ED/AIDVANTAGE Account Number 938132XXXXXXXXXXXXXXXXXXXXXXX Account Type Education Responsibility Individual Interest Type Fixed Date Opened 10/17/2011 Status Open/Never late. Status Updated Mar 2026 Balance $4,283 Balance Updated 03/31/2026 Recent Payment - Monthly Payment $0 Original Balance $3,500 Highest Balance - Terms 300 Months Payment History Balance Histories 2026 2025 2024 2023 2022 2021 2020 2019 J ND — F — M — A — M — J — ND J — ND A — ND S — O — ND N — ND D — ND Current / Terms met ND No data for this period 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 18/40 Date Balance Scheduled Payment Paid Feb 2026 $4,272 $0 $0 on 2/14/2026 Jan 2026 $4,262 $0 $0 on 1/14/2026 Dec 2025 $4,251 $0 $0 on 12/14/2025 Nov 2025 $4,240 $0 $0 on 11/14/2025 Oct 2025 $4,229 $0 $0 on 10/14/2025 Sep 2025 $4,218 $0 $0 on 9/14/2025 Aug 2025 $4,207 $0 $0 on 8/14/2025 Jul 2025 $4,196 $0 $0 on 7/14/2025 Jun 2025 $4,185 $0 $0 on 6/14/2025 May 2025 $4,174 $0 $0 on 5/14/2025 Apr 2025 $4,163 $0 $0 on 4/14/2025 Mar 2025 $4,152 $0 $0 on 3/14/2025 Feb 2025 $4,141 $0 $0 on 2/14/2025 Jan 2025 $4,131 $0 $0 on 1/14/2025 Nov 2024 $4,108 $0 $0 on 11/14/2024 Oct 2024 $4,097 $0 $0 on 10/14/2024 Sep 2024 $4,086 $0 $0 on 9/14/2024 Aug 2024 $4,076 $0 $0 on 8/14/2024 Jul 2024 $4,064 $0 $0 on 7/14/2024 Jun 2024 $4,053 $0 $0 on 6/14/2024 May 2024 $4,042 $0 $0 on 5/14/2024 Apr 2024 $4,031 $0 $0 on 4/14/2024 Additional info The original amount of this account was $3,500 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 19/40 Contact Info Address PO BOX 300001, GREENVILLE TX 75403 Phone Number (800) 722-1300 Comment Current: None Previous: Payment Deferred. Oct 2023 to Jan 2024 DEPT OF ED/AIDVANTAGE Account Info Account Name DEPT OF ED/AIDVANTAGE Account Number 938132XXXXXXXXXXXXXXXXXXXXXXX Account Type Education Responsibility Individual Interest Type Fixed Date Opened 10/10/2012 Status Open/Never late. Status Updated Mar 2026 Balance $2,178 Balance Updated 03/31/2026 Recent Payment - Monthly Payment $0 Original Balance $1,750 Highest Balance - Terms 300 Months Payment History 2026 J F M A — M — J — J — A — S — O — N — D — 4/7/26, 2:21 PM Annual Credit Report - Experian https://usa.experian.com/acr/printReport?type=CDI 20/40