Personal Credit Report for: RO B IN RICHTER File Number: 467225082 Date Created: 04/07/2026 Visit transunion.com/dispute to start a dispute online. If you are experiencing a financial hardship related to a publi 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 09/01/1988 . Your SSN has been masked for your protection. Personal Information Credit Report Date 04/07/2026 Social Security Number XXX-XX-1233 Date of Birth 11/21/1965 Name ROBIN LYNN RICHTER A lso Known A s AKA ROBIN MYATT A ddresses Current Address 1275 CENTURY OAKS DR ELGIN, IL 60123-1324 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 1/102 Date Reported 05/10/2021 Other Address PO BOX 1442 ELGIN, IL 60121-1442 Date Reported 01/10/2024 Other Address 940 BRIDEN DR APT 7 MARENGO, IL 60152-2935 Date Reported 04/30/2019 Other Address 185 MARIAN PKWY CRYSTAL LAKE, IL 60014-4201 Date Reported 10/11/2008 Other Address 920 BRIDEN DR APT 5 MARENGO, IL 60152-2933 Date Reported 03/31/2013 Other Address 435 EUGENE ST CRYSTAL LAKE, IL 60014-7207 Date Reported 07/01/2003 Other Address 4906 DRIVE IN LN CRYSTAL LAKE, IL 60014-8121 Date Reported 03/01/2000 Other Address 207 N MAIN ST APT 103 CRYSTAL LAKE, IL 60014-4451 Other Address 920 BRIDEN DR APT 8 MARENGO, IL 60152-2933 Date Reported 11/24/2011 Other Address PO BOX 222 ELGIN, IL 60121-0222 Date Reported 05/10/2023 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 2/102 Phone Numbers Phone Number (815) 261-2984 Phone Number (815) 455-0914 Phone Number (815) 459-0299 Phone Number (815) 219-8853 Phone Number (815) 349-5420 Phone Number (224) 325-9109 Employers Employer HOME MAKER YOUNG LIVING SELF HOUSEKEEP 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. Date Verified 12/06/2007 Date Verified 04/10/2004 Date Verified 07/01/1994 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 3/102 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 surrenderedd 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 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 4/102 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/consumer disagrees 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: IRB: 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 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 5/102 PLL: Prepaid lease PLP: PNR: First payment never received 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 AMERICAN EXPRESS 349992954419**** Account Information Address PO BOX 981537EL PASO, TX 79998 Phone 800-874-2717 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 6/102 Monthly Payment $$17 Date Opened 02/14/2022 Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance $17 Date Updated 03/13/2026 Pay Status Current Account Terms $17 per month; paid Monthly High Balance (Hist.) High balance of $896 from 10/2023 to 03/2026 Credit Limit (Hist.) Credit limit of $2,500 from 10/2023 to 12/2023; $5,500 from 01/2024 to 03/2026 Payment History 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 7/102 March 2022 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating A pril 2022 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating May 2022 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating June 2022 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating July 2022 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating A ugust 2022 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating September 2022 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating October 2022 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating November 2022 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating December 2022 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating January 2023 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating February 2023 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating March 2023 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating A pril 2023 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating May 2023 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 8/102 June 2023 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating July 2023 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating A ugust 2023 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating September 2023 Balance - - - Past Due - - - Scheduled Payment - - - OK Rating October 2023 Balance $153 Past Due $0 Scheduled Payment $40 OK Rating November 2023 Balance $350 Past Due $0 Scheduled Payment $40 OK Rating December 2023 Balance $725 Past Due $0 Scheduled Payment $40 OK Rating January 2024 Balance $605 Past Due $0 Scheduled Payment $40 OK Rating February 2024 Balance $130 Past Due $0 Scheduled Payment $40 OK Rating March 2024 Balance $410 Past Due $0 Scheduled Payment $40 OK Rating A pril 2024 Balance $86 Past Due $0 Scheduled Payment $40 OK Rating May 2024 Balance $280 Past Due $0 Scheduled Payment $69 OK Rating June 2024 Balance $239 Past Due $0 Scheduled Payment $40 OK Rating July 2024 Balance $435 Past Due $0 Scheduled Payment $40 OK Rating A ugust 2024 Balance $402 Past Due $0 Scheduled Payment $40 OK Rating 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 9/102 September 2024 Balance $260 Past Due $0 Scheduled Payment $40 OK Rating October 2024 Balance $240 Past Due $0 Scheduled Payment $40 OK Rating November 2024 Balance $267 Past Due $0 Scheduled Payment $40 OK Rating December 2024 Balance $357 Past Due $0 Scheduled Payment $40 OK Rating January 2025 Balance $136 Past Due $0 Scheduled Payment $40 OK Rating February 2025 Balance $146 Past Due $0 Scheduled Payment $40 OK Rating March 2025 Balance $15 Past Due $0 Scheduled Payment $15 OK Rating A pril 2025 Balance $141 Past Due $0 Scheduled Payment $40 OK Rating May 2025 Balance $0 Past Due $0 Scheduled Payment - - - OK Rating June 2025 Balance $0 Past Due $0 Scheduled Payment - - - OK Rating 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 10/102 BMO HARRIS BANK N.A. 526947087737**** July 2025 Balance $0 Past Due $0 Scheduled Payment - - - OK Rating A ugust 2025 Balance $0 Past Due $0 Scheduled Payment - - - OK Rating September 2025 Balance $17 Past Due $0 Scheduled Payment $17 OK Rating October 2025 Balance $17 Past Due $0 Scheduled Payment $17 OK Rating November 2025 Balance $17 Past Due $0 Scheduled Payment $17 OK Rating December 2025 Balance $17 Past Due $0 Scheduled Payment $17 OK Rating January 2026 Balance $17 Past Due $0 Scheduled Payment $17 OK Rating February 2026 Balance $17 Past Due $0 Scheduled Payment $17 OK Rating March 2026 Balance $17 Past Due $0 Scheduled Payment $17 OK Rating Total Months: 49 Account Information Address PO BOX 2008MILWAUKEE, WI 53201 Phone 888-600-9327 Monthly Payment $$265 Date Opened 07/28/2023 Responsibility Individual Account 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 11/102 Account Type Revolving Account Loan Type CREDIT CARD Balance $9,153 Date Updated 03/24/2026 Payment Received $320 Last Payment Made 03/18/2026 Pay Status Current Account Terms $265 per month; paid Monthly Credit Limit (Hist.) Credit limit of $12,000 from 10/2023 to 03/2026 Payment History 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 12/102 A ugust 2023 Balance - - - High Credit - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating September 2023 Balance - - - High Credit - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating October 2023 Balance $19 High Credit $19 Past Due $0 Amount Paid $0 Scheduled Payment $0 OK Rating November 2023 Balance $396 High Credit $396 Past Due $0 Amount Paid $19 Scheduled Payment $19 OK Rating December 2023 Balance $1,420 High Credit $1,420 Past Due $0 Amount Paid $25 Scheduled Payment $25 OK Rating January 2024 Balance $1,577 High Credit $1,577 Past Due $0 Amount Paid $28 Scheduled Payment $28 OK Rating February 2024 Balance $1,566 High Credit $1,597 Past Due $0 Amount Paid $31 Scheduled Payment $31 OK Rating March 2024 Balance $1,822 High Credit $1,835 Past Due $0 Amount Paid $31 Scheduled Payment $31 OK Rating A pril 2024 Balance $2,112 High Credit $2,148 Past Due $0 Amount Paid $36 Scheduled Payment $36 OK Rating May 2024 Balance $2,315 High Credit $2,327 Past Due $0 Amount Paid $42 Scheduled Payment $42 OK Rating 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 13/102 June 2024 Balance $2,958 High Credit $2,958 Past Due $0 Amount Paid $46 Scheduled Payment $46 OK Rating July 2024 Balance $3,702 High Credit $3,761 Past Due $0 Amount Paid $59 Scheduled Payment $59 OK Rating A ugust 2024 Balance $4,096 High Credit $4,154 Past Due $0 Amount Paid $74 Scheduled Payment $74 OK Rating September 2024 Balance $4,785 High Credit $4,785 Past Due $0 Amount Paid $81 Scheduled Payment $81 OK Rating October 2024 Balance $4,851 High Credit $4,946 Past Due $0 Amount Paid $95 Scheduled Payment $95 OK Rating November 2024 Balance $5,830 High Credit $5,927 Past Due $0 Amount Paid $97 Scheduled Payment $97 OK Rating December 2024 Balance $6,860 High Credit $6,976 Past Due $0 Amount Paid $116 Scheduled Payment $116 OK Rating January 2025 Balance $7,251 High Credit $7,251 Past Due $0 Amount Paid $137 Scheduled Payment $137 OK Rating February 2025 Balance $8,057 High Credit $8,099 Past Due $0 Amount Paid $211 Scheduled Payment $211 OK Rating March 2025 Balance $8,512 High Credit $8,512 Past Due $0 Amount Paid $231 Scheduled Payment $231 OK Rating 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 14/102 A pril 2025 Balance $9,408 High Credit $9,440 Past Due $0 Amount Paid $232 Scheduled Payment $232 OK Rating May 2025 Balance $9,422 High Credit $9,440 Past Due $0 Amount Paid $272 Scheduled Payment $272 OK Rating June 2025 Balance $9,442 High Credit $9,442 Past Due $0 Amount Paid $271 Scheduled Payment $271 OK Rating July 2025 Balance $9,486 High Credit $9,577 Past Due $0 Amount Paid $271 Scheduled Payment $277 OK Rating A ugust 2025 Balance $9,421 High Credit $9,577 Past Due $0 Amount Paid $327 Scheduled Payment $302 OK Rating September 2025 Balance $9,392 High Credit $9,577 Past Due $0 Amount Paid $320 Scheduled Payment $277 OK Rating October 2025 Balance $9,357 High Credit $9,577 Past Due $0 Amount Paid $320 Scheduled Payment $276 OK Rating November 2025 Balance $9,324 High Credit $9,577 Past Due $0 Amount Paid $320 Scheduled Payment $269 OK Rating December 2025 Balance $9,283 High Credit $9,577 Past Due $0 Amount Paid $320 Scheduled Payment $273 OK Rating January 2026 Balance $9,247 High Credit $9,577 Past Due $0 Amount Paid $320 Scheduled Payment $264 OK Rating 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 15/102 CAP1/KOHLS DEPARTMENT STORE 639305076128**** February 2026 Balance $9,209 High Credit $9,577 Past Due $0 Amount Paid $320 Scheduled Payment $268 OK Rating March 2026 Balance $9,153 High Credit $9,577 Past Due $0 Amount Paid $320 Scheduled Payment $265 OK Rating Total Months: 32 Account Information Address PO BOX 3115MILWAUKEE, WI 53201 Phone 800-564-5740 Date Opened 08/15/2014 Responsibility Authorized Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Balance $0 Date Updated 07/10/2024 Payment Received $0 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 16/102 Last Payment Made 05/25/2024 Pay Status Current Account Terms Paid Monthly Date Paid 05/25/2024 High Balance (Hist.) High balance of $656 from 10/2023 to 07/2024 Credit Limit (Hist.) Credit limit of $2,000 from 10/2023 to 07/2024 Payment History 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 17/102 September 2017 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating October 2017 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating November 2017 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating December 2017 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating January 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating February 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating March 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating A pril 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating May 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating June 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 18/102 July 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating A ugust 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating September 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating October 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating November 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating December 2018 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating January 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating February 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating March 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating A pril 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 19/102 May 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating June 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating July 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating A ugust 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating September 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating October 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating November 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating December 2019 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating January 2020 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating February 2020 Balance - - - Past Due - - - Amount Paid - - - Scheduled Payment - - - OK Rating 4/7/26, 2:12 PM View Your Report | Transunion Credit Report https://annualcreditreport.transunion.com/cvd/?enterprise=FactAct#/disclosure 20/102