Credit Report Date: April 07, 2026 Confirmation # 6097561493 Prepared for: ROBIN LYNN RICHTER DID YOU KNOW? If you find something in your report that looks like a mistake, contact us at equifax.com/personal/disputes or call 888-EQUIFAX (888-378-4329) to start a new dispute or check the status of your dispute. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies. A list can be found by accessing the CFPB’s website at: consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list Looking for telecommunications, pay TV, and utility data? That information is maintained by a different company, the National Consumer Telecom and Utilities Exchange (NCTUE), and can be accessed at: nctue.com/consumer 000000001-DISC Page 1 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 An Overview of Your Credit Report Your credit report provides different types of information, including: Personal Information This section includes your name (including any former names), current and previous addresses and phone numbers, employment data, Social Security number, and birthdate. Personal information is provided by you or your lenders and creditors. While this information is not used to calculate credit scores it is important to check for typos and any unfamiliar information. Consumer File Notices Notices on your credit report can include fraud and active duty alerts, security freezes or locks, and opt-outs of receiving prescreened offers of credit or insurance. You can also choose to add a consumer statement to your credit report to provide an explanation for why you missed a payment or why you believe something is being reported incorrectly. For more information on these consumer added notices visit equifax.com/personal/help/. Account Information Your credit report can include all types of credit accounts, such as revolving accounts, mortgage accounts, and any other installment loans or open lines of credit. When reviewing your account information, make sure accounts listed belong to you and look for the following: l Account Status: See if an account is open, closed, paid on time, or past due. Closed accounts should have no money owed. l Payment History: Check if you made payments on time for each account. Paying on time helps your credit, while late or missed payments hurt it. Payment history is provided, where available, for each account. To view up to 24 months of your historical payment and balance data, log in to your 'myEquifax' account at www.myequifax.com. l Credit Limits and Balances: Look at the credit limits on credit cards and compare them to what you owe. It's better to keep the balance low compared to the limit. This helps improve your credit. l Account Types: Notice the different kinds of credit accounts you have (like credit cards, loans, mortgages). Having a mix of account types is good for your credit. Negative Information (Collections and Bankruptcy Public Records) Be aware of any negative details such as late payments, debts that were given up on, or money owed to collections. Bankruptcies may also be shown on your credit report. These negative items can hurt your credit score. If there's something there, make sure it’s correct and up to date. Inquiries This section shows who accessed your credit report and when. Too many hard inquiries can negatively impact your credit score and any unfamiliar inquiries may be a sign of identity theft. If you find information you believe to be incorrect, you may visit us at equifax.com/personal/disputes or call us at 888-EQUIFAX (888-378-4329) to submit a dispute. You may also mail your dispute request to: Equifax | PO Box 740241 | Atlanta, GA 30374 Note: When you provide documents to Equifax as part of your dispute, including a letter, the documents may be submitted to one or more companies whose information are the subject of your dispute. 000000001-DISC Page 2 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 Your Credit Report Summary A quick view of key information contained in your Equifax Credit Report. Report Date April 07, 2026 Average Account Age 11 Years Length of Credit History 37 Years, 6 Months Oldest Account SYNCB/JC PENNEYS | October 1988 Most Recent Account BMO HARRIS CC TS2 | July 2023 Personal Information Creditors use your personal information to identify you. This information has no impact on your credit score. ROBIN LYNN RICHTER PO BOX 1442, ELGIN, IL 60121 Social Security Number: XXX-XX-1233 Date of Birth: 11/21/1965 Former Name(s): Employment Information: Consumer File Notices: None None Initial Fraud Alert Former Address(es): Former Phone Number(s): Alert Contact Information: 1275 CENTURY OAKS DR, ELGIN, IL 60123 920 BRIDEN DR APT 5, MARENGO, IL 60152 940 BRIDEN DR APT 7, MARENGO, IL 60152 185 MARIAN PKWY, CRYSTAL LAKE, IL 60014 435 EUGENE ST, CRYSTAL LAKE, IL 60014 4906 DRIVE IN LN, CRYSTAL LAKE, IL 60014 207 N MAIN ST APT 103, CRYSTAL LAKE, IL 60014 (815) 459-0299 (815) 455-0914 Alert Type: Initial Address: - Phone Number: 8152612984 00000, 8152612984 00000 Date Reported: 03/04/2026 Expiration Date: 03/01/2027 Consumer Statement: No Statement on file. 000000001-DISC Page 3 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 Credit Accounts This includes all types of credit accounts, such as revolving accounts, mortgage accounts, and any other installment loans or open lines of credit. THD/CBNA 5800 SOUTH CORPORATE PLACE, SIOUX FALLS, SD 57108 | (800) 950-5114 Date Reported: 04/04/2026 | Balance: $4,643 Account Number: *9369 | Owner: Individual Account Credit Limit: $6,000 | High Credit: $4,684 Loan/Account Type: Charge Account | Status: Pays As Agreed Date Opened: 03/30/2023 Date of 1st Delinquency: Terms Frequency: Monthly Date of Last Activity: 04/04/2026 Date Major Delinquency 1st Reported: Months Reviewed: 37 Scheduled Payment Amount: $136 Amount Past Due: Deferred Payment Start Date: Actual Payment Amount: Charge Off Amount: Balloon Payment Amount: Date of Last Payment: 04/01/2026 Date Closed: Balloon Payment Date: Term Duration: Activity Designator: Narrative Code(s): 229 Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 2025 2024 2023 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available 24 Month History Balance Scheduled Payment Amount Actual Payment Amount Last Payment Date Past Due Amount High Credit Credit Limit Narrative Codes 03/26 $4,176 $130 03/01/2026 $4,180 $6,000 229, 233 02/26 $4,130 $121 02/01/2026 $4,180 $6,000 229, 233 01/26 $4,125 $129 01/01/2026 $4,172 $6,000 229, 233 12/25 $4,141 $127 12/01/2025 $4,172 $6,000 229, 233 11/25 $3,578 $116 11/01/2025 $3,728 $6,000 229, 233 10/25 $3,522 $115 10/01/2025 $3,728 $6,000 229, 233 09/25 $3,512 $113 09/01/2025 $3,728 $6,000 229, 233 08/25 $3,310 $106 08/01/2025 $3,310 $6,000 229, 233 07/25 $2,902 $54 07/01/2025 $3,073 $6,000 229, 233 06/25 $2,805 $52 06/01/2025 $3,073 $6,000 229, 233 05/25 $2,835 $54 05/01/2025 $3,073 $6,000 229, 233 04/25 $2,773 $51 04/01/2025 $3,073 $6,000 229, 233 03/25 $2,802 $52 03/01/2025 $3,073 $6,000 229, 233 02/25 $2,809 $31 02/01/2025 $3,073 $6,000 229, 233 01/25 $2,046 $29 01/01/2025 $2,046 $6,000 229, 233 12/24 $310 $29 12/01/2024 $1,714 $6,000 229, 233 11/24 $332 $29 11/01/2024 $1,714 $6,000 229, 233 10/24 $353 $29 10/01/2024 $1,714 $6,000 229, 233 09/24 $374 $29 09/01/2024 $1,714 $6,000 229, 233 08/24 $294 $29 08/01/2024 $1,714 $6,000 229, 233 07/24 $157 $29 07/01/2024 $1,714 $6,000 229, 233 06/24 $51 $29 05/22/2024 $1,714 $6,000 229, 233 05/24 $1,278 $52 04/01/2024 $1,714 $6,000 229, 233 04/24 $1,043 $29 04/01/2024 $1,714 $6,000 229, 233 Narrative Code Narrative Code Description 229 Charge 233 Amount in High Credit Column is Credit Limit 000000001-DISC Page 4 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 BMO HARRIS CC TS2 PO Box 2008, Milwaukee, WI 53201-2008 | (800) 600-9327 Date Reported: 03/25/2026 | Balance: $9,153 Account Number: *7622 | Owner: Individual Account Credit Limit: $12,000 | High Credit: $9,577 Loan/Account Type: Credit Card | Status: Pays As Agreed Date Opened: 07/28/2023 Date of 1st Delinquency: Terms Frequency: Monthly Date of Last Activity: 03/25/2026 Date Major Delinquency 1st Reported: Months Reviewed: 31 Scheduled Payment Amount: $265 Amount Past Due: Deferred Payment Start Date: Actual Payment Amount: $320 Charge Off Amount: Balloon Payment Amount: Date of Last Payment: 03/18/2026 Date Closed: Balloon Payment Date: Term Duration: Activity Designator: Narrative Code(s): 002 Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 2025 2024 2023 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available 24 Month History Balance Scheduled Payment Amount Actual Payment Amount Last Payment Date Past Due Amount High Credit Credit Limit Narrative Codes 02/26 $9,209 $268 $320 02/18/2026 $9,577 $12,000 002, 233 01/26 $9,247 $264 $320 01/16/2026 $9,577 $12,000 002, 233 12/25 $9,283 $273 $320 12/18/2025 $9,577 $12,000 002, 233 11/25 $9,324 $269 $320 11/18/2025 $9,577 $12,000 002, 233 10/25 $9,357 $276 $320 10/17/2025 $9,577 $12,000 002, 233 09/25 $9,392 $277 $320 09/18/2025 $9,577 $12,000 002, 233 08/25 $9,421 $302 $327 08/16/2025 $9,577 $12,000 002, 233 07/25 $9,486 $277 $271 07/22/2025 $9,577 $12,000 002, 233 06/25 $9,442 $271 $271 06/19/2025 $9,442 $12,000 002, 233 05/25 $9,422 $272 $272 05/21/2025 $9,440 $12,000 002, 233 04/25 $9,408 $232 $232 04/21/2025 $9,440 $12,000 002, 233 03/25 $8,512 $231 $231 03/21/2025 $8,512 $12,000 002, 233 02/25 $8,057 $211 $211 02/21/2025 $8,099 $12,000 002, 233 01/25 $7,251 $137 $137 01/21/2025 $7,251 $12,000 002, 233 12/24 $6,860 $116 $116 12/21/2024 $6,976 $12,000 002, 233 11/24 $5,830 $97 $97 11/21/2024 $5,927 $12,000 002, 233 10/24 $4,851 $95 $95 10/21/2024 $4,946 $12,000 002, 233 09/24 $4,785 $81 $81 09/21/2024 $4,785 $12,000 002, 233 08/24 $4,096 $74 $74 08/21/2024 $4,154 $12,000 002, 233 07/24 $3,702 $59 $59 07/21/2024 $3,761 $12,000 002, 233 06/24 $2,958 $46 $46 06/21/2024 $2,958 $12,000 002, 233 05/24 $2,315 $42 $42 05/21/2024 $2,327 $12,000 002, 233 04/24 $2,112 $36 $36 04/21/2024 $2,148 $12,000 002, 233 Narrative Code Narrative Code Description 002 Credit Card 233 Amount in High Credit Column is Credit Limit 000000001-DISC Page 5 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 DISCOVER CARD PO BOX 30939, SALT LAKE CITY, UT 841300939 | (800) 347-2683 Date Reported: 03/24/2026 | Balance: $3,055 Account Number: *8806 | Owner: Individual Account Credit Limit: $3,100 | High Credit: $4,995 Loan/Account Type: Credit Card | Status: Pays As Agreed Date Opened: 02/09/2022 Date of 1st Delinquency: Terms Frequency: Monthly Date of Last Activity: 03/24/2026 Date Major Delinquency 1st Reported: Months Reviewed: 49 Scheduled Payment Amount: $63 Amount Past Due: Deferred Payment Start Date: Actual Payment Amount: Charge Off Amount: Balloon Payment Amount: Date of Last Payment: 03/19/2026 Date Closed: Balloon Payment Date: Term Duration: Activity Designator: Narrative Code(s): 002 Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 2025 2024 2023 2022 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available 24 Month History Balance Scheduled Payment Amount Actual Payment Amount Last Payment Date Past Due Amount High Credit Credit Limit Narrative Codes 02/26 $2,859 $65 02/19/2026 $4,995 $3,100 002, 233 01/26 $2,704 $63 01/19/2026 $4,995 $3,100 002, 233 12/25 $2,591 $60 12/19/2025 $4,995 $3,100 002, 233 11/25 $2,465 $65 11/21/2025 $4,995 $3,100 002, 233 10/25 $2,722 $64 10/03/2025 $4,995 $3,100 002, 233 09/25 $2,943 $66 09/19/2025 $4,995 $3,100 002, 233 08/25 $2,539 $59 07/20/2025 $4,995 $8,000 002, 233 07/25 $2,043 $50 07/20/2025 $4,995 $8,000 002, 233 06/25 $1,654 $47 06/19/2025 $4,995 $8,000 002, 233 05/25 $1,494 $42 05/19/2025 $4,995 $8,000 002, 233 04/25 $948 $35 04/20/2025 $4,995 $8,000 002, 233 03/25 $736 $35 03/19/2025 $4,995 $8,000 002, 233 02/25 $651 $35 02/19/2025 $4,995 $8,000 002, 233 01/25 $496 $35 01/19/2025 $4,995 $8,000 002, 233 12/24 $309 $35 12/19/2024 $4,995 $8,000 002, 233 11/24 $263 $35 11/19/2024 $4,995 $8,000 002, 233 10/24 $142 $35 10/20/2024 $4,995 $6,000 002, 233 09/24 $185 $35 09/19/2024 $4,995 $6,000 002, 233 08/24 $187 $35 08/19/2024 $4,995 $6,000 002, 233 07/24 $95 $35 07/19/2024 $4,995 $6,000 002, 233 06/24 $96 $35 06/19/2024 $4,995 $6,000 002, 233 05/24 $47 $35 05/19/2024 $4,995 $6,000 002, 233 04/24 $2,091 $42 03/19/2024 $4,995 $6,000 002, 233 Narrative Code Narrative Code Description 002 Credit Card 233 Amount in High Credit Column is Credit Limit 000000001-DISC Page 6 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 DEPT OF ED/AIDVANTAGE 1891 METRO CENTER DR, RESTON, VA 20190 | (800) 722-1300 Date Reported: 02/28/2026 | Balance: $2,759 Account Number: *0110 | Owner: Individual Account Credit Limit: | High Credit: $2,125 Loan/Account Type: Education Loan | Status: Pays As Agreed Date Opened: 03/14/2011 Date of 1st Delinquency: Terms Frequency: Monthly Date of Last Activity: 02/28/2026 Date Major Delinquency 1st Reported: Months Reviewed: 99 Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date: Actual Payment Amount: Charge Off Amount: Balloon Payment Amount: Date of Last Payment: 02/14/2026 Date Closed: Balloon Payment Date: Term Duration: 300 Months Activity Designator: Narrative Code(s): 248, 132 Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 2025 2024 2023 2022 2021 2020 2019 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available 24 Month History Balance Scheduled Payment Amount Actual Payment Amount Last Payment Date Past Due Amount High Credit Credit Limit Narrative Codes 01/26 $2,751 01/14/2026 $2,125 248, 132 12/25 $2,741 12/14/2025 $2,125 248, 132 11/25 $2,732 11/14/2025 $2,125 248, 132 10/25 $2,723 10/14/2025 $2,125 248, 132 09/25 $2,714 09/14/2025 $2,125 248, 132 08/25 $2,705 08/14/2025 $2,125 248, 132 07/25 $2,696 07/14/2025 $2,125 248, 132 06/25 $2,686 06/14/2025 $2,125 248, 132 05/25 $2,677 05/14/2025 $2,125 248, 132 04/25 $2,668 04/14/2025 $2,125 248, 132 03/25 $2,659 03/14/2025 $2,125 248, 132 02/25 $2,650 02/14/2025 $2,125 248, 132 01/25 $2,641 01/14/2025 $2,125 248, 132 12/24 $2,632 12/14/2024 $2,125 248, 132 11/24 $2,623 11/14/2024 $2,125 248, 132 10/24 $2,614 10/14/2024 $2,125 248, 132 09/24 $2,605 09/14/2024 $2,125 248, 132 08/24 $2,596 08/14/2024 $2,125 248, 132 07/24 $2,586 07/14/2024 $2,125 248, 132 06/24 $2,577 06/14/2024 $2,125 248, 132 05/24 $2,568 05/14/2024 $2,125 248, 132 04/24 $2,559 04/14/2024 $2,125 248, 132 Narrative Code Narrative Code Description 132 Fixed Rate 248 Student Loan 000000001-DISC Page 7 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 DEPT OF ED/AIDVANTAGE 1891 METRO CENTER DR, RESTON, VA 20190 | (800) 722-1300 Date Reported: 02/28/2026 | Balance: $4,272 Account Number: *0111 | Owner: Individual Account Credit Limit: | High Credit: $3,500 Loan/Account Type: Education Loan | Status: Pays As Agreed Date Opened: 10/17/2011 Date of 1st Delinquency: Terms Frequency: Monthly Date of Last Activity: 02/28/2026 Date Major Delinquency 1st Reported: Months Reviewed: 99 Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date: Actual Payment Amount: Charge Off Amount: Balloon Payment Amount: Date of Last Payment: 02/14/2026 Date Closed: Balloon Payment Date: Term Duration: 300 Months Activity Designator: Narrative Code(s): 248, 132 Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 2025 2024 2023 2022 2021 2020 2019 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available 24 Month History Balance Scheduled Payment Amount Actual Payment Amount Last Payment Date Past Due Amount High Credit Credit Limit Narrative Codes 01/26 $4,262 01/14/2026 $3,500 248, 132 12/25 $4,251 12/14/2025 $3,500 248, 132 11/25 $4,240 11/14/2025 $3,500 248, 132 10/25 $4,229 10/14/2025 $3,500 248, 132 09/25 $4,218 09/14/2025 $3,500 248, 132 08/25 $4,207 08/14/2025 $3,500 248, 132 07/25 $4,196 07/14/2025 $3,500 248, 132 06/25 $4,185 06/14/2025 $3,500 248, 132 05/25 $4,174 05/14/2025 $3,500 248, 132 04/25 $4,163 04/14/2025 $3,500 248, 132 03/25 $4,152 03/14/2025 $3,500 248, 132 02/25 $4,141 02/14/2025 $3,500 248, 132 01/25 $4,131 01/14/2025 $3,500 248, 132 12/24 $4,119 12/14/2024 $3,500 248, 132 11/24 $4,108 11/14/2024 $3,500 248, 132 10/24 $4,097 10/14/2024 $3,500 248, 132 09/24 $4,086 09/14/2024 $3,500 248, 132 08/24 $4,076 08/14/2024 $3,500 248, 132 07/24 $4,064 07/14/2024 $3,500 248, 132 06/24 $4,053 06/14/2024 $3,500 248, 132 05/24 $4,042 05/14/2024 $3,500 248, 132 04/24 $4,031 04/14/2024 $3,500 248, 132 Narrative Code Narrative Code Description 132 Fixed Rate 248 Student Loan 000000001-DISC Page 8 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 DEPT OF ED/AIDVANTAGE 1891 METRO CENTER DR, RESTON, VA 20190 | (800) 722-1300 Date Reported: 02/28/2026 | Balance: $2,172 Account Number: *0121 | Owner: Individual Account Credit Limit: | High Credit: $1,750 Loan/Account Type: Education Loan | Status: Pays As Agreed Date Opened: 10/10/2012 Date of 1st Delinquency: Terms Frequency: Monthly Date of Last Activity: 02/28/2026 Date Major Delinquency 1st Reported: Months Reviewed: 99 Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date: Actual Payment Amount: Charge Off Amount: Balloon Payment Amount: Date of Last Payment: 02/14/2026 Date Closed: Balloon Payment Date: Term Duration: 300 Months Activity Designator: Narrative Code(s): 248, 132 Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 2025 2024 2023 2022 2021 2020 2019 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available 24 Month History Balance Scheduled Payment Amount Actual Payment Amount Last Payment Date Past Due Amount High Credit Credit Limit Narrative Codes 01/26 $2,167 01/14/2026 $1,750 248, 132 12/25 $2,161 12/14/2025 $1,750 248, 132 11/25 $2,155 11/14/2025 $1,750 248, 132 10/25 $2,150 10/14/2025 $1,750 248, 132 09/25 $2,144 09/14/2025 $1,750 248, 132 08/25 $2,139 08/14/2025 $1,750 248, 132 07/25 $2,133 07/14/2025 $1,750 248, 132 06/25 $2,127 06/14/2025 $1,750 248, 132 05/25 $2,122 05/14/2025 $1,750 248, 132 04/25 $2,116 04/14/2025 $1,750 248, 132 03/25 $2,111 03/14/2025 $1,750 248, 132 02/25 $2,105 02/14/2025 $1,750 248, 132 01/25 $2,100 01/14/2025 $1,750 248, 132 12/24 $2,094 12/14/2024 $1,750 248, 132 11/24 $2,089 11/14/2024 $1,750 248, 132 10/24 $2,083 10/14/2024 $1,750 248, 132 09/24 $2,077 09/14/2024 $1,750 248, 132 08/24 $2,072 08/14/2024 $1,750 248, 132 07/24 $2,066 07/14/2024 $1,750 248, 132 06/24 $2,060 06/14/2024 $1,750 248, 132 05/24 $2,055 05/14/2024 $1,750 248, 132 04/24 $2,049 04/14/2024 $1,750 248, 132 Narrative Code Narrative Code Description 132 Fixed Rate 248 Student Loan 000000001-DISC Page 9 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 CAPITAL ONE BANK USA NA PO BOX 31293, Salt Lake City, UT 84131-1293 | (800) 955-7070 Date Reported: 03/14/2026 | Balance: $4,876 Account Number: *3562 | Owner: Individual Account Credit Limit: $5,000 | High Credit: $5,129 Loan/Account Type: Flexible Spending Credit Card | Status: Pays As Agreed Date Opened: 07/14/2016 Date of 1st Delinquency: Terms Frequency: Monthly Date of Last Activity: 03/15/2026 Date Major Delinquency 1st Reported: Months Reviewed: 99 Scheduled Payment Amount: $155 Amount Past Due: Deferred Payment Start Date: Actual Payment Amount: Charge Off Amount: Balloon Payment Amount: Date of Last Payment: 03/04/2026 Date Closed: Balloon Payment Date: Term Duration: Activity Designator: Narrative Code(s): 275 Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 2025 2024 2023 2022 2021 2020 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available 24 Month History Balance Scheduled Payment Amount Actual Payment Amount Last Payment Date Past Due Amount High Credit Credit Limit Narrative Codes 02/26 $4,356 $137 02/05/2026 $5,129 $5,000 275, 233 01/26 $4,897 $156 01/02/2026 $5,129 $5,000 275, 233 12/25 $4,610 $155 12/11/2025 $5,129 $5,000 275, 233 11/25 $4,571 $149 11/10/2025 $5,129 $5,000 275, 233 10/25 $4,415 $150 10/09/2025 $5,129 $5,000 275, 233 09/25 $4,843 $154 09/09/2025 $5,129 $5,000 275, 233 08/25 $4,432 $144 08/09/2025 $5,129 $5,000 275, 233 07/25 $4,973 $153 07/09/2025 $5,129 $5,000 275, 233 06/25 $4,275 $131 06/09/2025 $5,129 $5,000 275, 233 05/25 $3,344 $93 05/09/2025 $5,129 $5,000 275, 233 04/25 $1,458 $41 04/09/2025 $5,129 $5,000 275, 233 03/25 $954 $31 03/10/2025 $5,129 $5,000 275, 233 02/25 $759 $25 02/10/2025 $5,129 $5,000 275, 233 01/25 $467 $25 01/09/2025 $5,129 $5,000 275, 233 12/24 $649 $25 12/09/2024 $5,129 $5,000 275, 233 11/24 $419 $25 11/09/2024 $5,129 $5,000 275, 233 10/24 $434 $25 10/09/2024 $5,129 $5,000 275, 233 09/24 $449 $25 09/09/2024 $5,129 $5,000 275, 233 08/24 $332 $25 08/09/2024 $5,129 $5,000 275, 233 07/24 $290 $25 07/09/2024 $5,129 $5,000 275, 233 06/24 $117 $25 06/10/2024 $5,129 $5,000 275, 233 05/24 $325 $25 05/09/2024 $5,129 $5,000 275, 233 04/24 $522 $25 04/09/2024 $5,129 $5,000 275, 233 Narrative Code Narrative Code Description 233 Amount in High Credit Column is Credit Limit 275 Flexible Spending Credit Card 000000001-DISC Page 10 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 AMERICAN EXPRESS PO Box 981537, El Paso, TX 79998-1537 | (800) 874-2717 Date Reported: 03/13/2026 | Balance: $17 Account Number: *2183 | Owner: Individual Account Credit Limit: $5,500 | High Credit: $896 Loan/Account Type: Credit Card | Status: Pays As Agreed Date Opened: 02/14/2022 Date of 1st Delinquency: Terms Frequency: Monthly Date of Last Activity: 03/13/2026 Date Major Delinquency 1st Reported: Months Reviewed: 48 Scheduled Payment Amount: $17 Amount Past Due: Deferred Payment Start Date: Actual Payment Amount: Charge Off Amount: Balloon Payment Amount: Date of Last Payment: Date Closed: Balloon Payment Date: Term Duration: Activity Designator: Narrative Code(s): 002 Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 2025 2024 2023 2022 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available 24 Month History Balance Scheduled Payment Amount Actual Payment Amount Last Payment Date Past Due Amount High Credit Credit Limit Narrative Codes 02/26 $17 $17 $896 $5,500 002, 233 01/26 $17 $17 $896 $5,500 002, 233 12/25 $17 $17 $896 $5,500 002, 233 11/25 $17 $17 $896 $5,500 002, 233 10/25 $17 $17 $896 $5,500 002, 233 09/25 $17 $17 $896 $5,500 002, 233 08/25 $0 $896 $5,500 002, 233 07/25 $0 $896 $5,500 002, 233 06/25 $0 $896 $5,500 002, 233 05/25 $0 $896 $5,500 002, 233 04/25 $141 $40 $896 $5,500 002, 233 03/25 $15 $15 $896 $5,500 002, 233 02/25 $146 $40 $896 $5,500 002, 233 01/25 $136 $40 $896 $5,500 002, 233 12/24 $357 $40 $896 $5,500 002, 233 11/24 $267 $40 $896 $5,500 002, 233 10/24 $240 $40 $896 $5,500 002, 233 09/24 $260 $40 $896 $5,500 002, 233 08/24 $402 $40 $896 $5,500 002, 233 07/24 $435 $40 $896 $5,500 002, 233 06/24 $239 $40 $896 $5,500 002, 233 05/24 $280 $69 $896 $5,500 002, 233 04/24 $86 $40 $896 $5,500 002, 233 Narrative Code Narrative Code Description 002 Credit Card 233 Amount in High Credit Column is Credit Limit 000000001-DISC Page 11 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 CAPITAL ONE BANK USA NA PO BOX 31293, Salt Lake City, UT 84131-1293 | (800) 955-7070 Date Reported: 03/11/2026 | Balance: $14,745 Account Number: *8183 | Owner: Individual Account Credit Limit: $15,000 | High Credit: $15,012 Loan/Account Type: Flexible Spending Credit Card | Status: Pays As Agreed Date Opened: 12/09/2017 Date of 1st Delinquency: Terms Frequency: Monthly Date of Last Activity: 03/11/2026 Date Major Delinquency 1st Reported: Months Reviewed: 99 Scheduled Payment Amount: $405 Amount Past Due: Deferred Payment Start Date: Actual Payment Amount: Charge Off Amount: Balloon Payment Amount: Date of Last Payment: 03/05/2026 Date Closed: Balloon Payment Date: Term Duration: Activity Designator: Narrative Code(s): 275 Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2026 2025 2024 2023 2022 2021 2020 2019 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available 24 Month History Balance Scheduled Payment Amount Actual Payment Amount Last Payment Date Past Due Amount High Credit Credit Limit Narrative Codes 02/26 $14,711 $380 02/05/2026 $15,012 $15,000 275, 233 01/26 $14,733 $406 01/05/2026 $15,012 $15,000 275, 233 12/25 $14,746 $413 12/05/2025 $15,012 $15,000 275, 233 11/25 $14,861 $408 11/05/2025 $15,012 $15,000 275, 233 10/25 $14,881 $411 10/05/2025 $14,919 $15,000 275, 233 09/25 $14,477 $390 09/05/2025 $14,498 $15,000 275, 233 08/25 $13,507 $378 08/05/2025 $14,125 $15,000 275, 233 07/25 $13,300 $374 07/05/2025 $14,125 $15,000 275, 233 06/25 $13,264 $366 06/05/2025 $14,125 $15,000 275, 233 05/25 $13,279 $373 05/05/2025 $14,125 $15,000 275, 233 04/25 $13,230 $350 04/05/2025 $14,125 $15,000 275, 233 03/25 $12,069 $327 03/05/2025 $14,125 $15,000 275, 233 02/25 $10,753 $280 02/05/2025 $14,125 $15,000 275, 233 01/25 $9,810 $340 01/09/2025 $14,125 $15,000 275, 233 12/24 $13,028 $367 12/05/2024 $13,028 $15,000 275, 233 11/24 $12,188 $317 11/05/2024 $12,188 $15,000 275, 233 10/24 $9,881 $270 10/05/2024 $11,346 $15,000 275, 233 09/24 $9,276 $263 09/05/2024 $11,346 $10,000 275, 233 08/24 $7,980 $214 08/05/2024 $11,346 $10,000 275, 233 07/24 $5,827 $167 07/05/2024 $11,346 $10,000 275, 233 06/24 $5,189 $51 06/05/2024 $11,346 $10,000 275, 233 05/24 $2,874 $28 01/24/2024 $11,346 $10,000 275, 233 04/24 $0 01/24/2024 $11,346 $10,000 275, 233 Narrative Code Narrative Code Description 233 Amount in High Credit Column is Credit Limit 275 Flexible Spending Credit Card 000000001-DISC Page 12 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 FNB OMAHA - Closed 1620 Dodge St, Omaha, NE 68197-0003 | (800) 444-9375 Date Reported: 06/12/2025 | Balance: $0 Account Number: *7091 | Owner: Individual Account Credit Limit: $2,650 | High Credit: $3,433 Loan/Account Type: Credit Card | Status: Pays As Agreed Date Opened: 10/01/2017 Date of 1st Delinquency: Terms Frequency: Monthly Date of Last Activity: 06/03/2024 Date Major Delinquency 1st Reported: Months Reviewed: 89 Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date: Actual Payment Amount: Charge Off Amount: Balloon Payment Amount: Date of Last Payment: 06/03/2024 Date Closed: 06/11/2025 Balloon Payment Date: Term Duration: Activity Designator: Paid and Closed Narrative Code(s): 158, 065, 002 Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2024 2023 2022 2021 2020 2019 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available 24 Month History Balance Scheduled Payment Amount Actual Payment Amount Last Payment Date Past Due Amount High Credit Credit Limit Narrative Codes 05/25 $0 06/03/2024 $3,433 $2,650 002, 233 04/25 $0 06/03/2024 $3,433 $2,650 002, 233 03/25 $0 06/03/2024 $3,433 $2,650 002, 233 02/25 $0 06/03/2024 $3,433 $2,650 002, 233 01/25 $0 06/03/2024 $3,433 $2,650 002, 233 12/24 $0 06/03/2024 $3,433 $2,650 002, 233 11/24 $0 06/03/2024 $3,433 $2,650 002, 233 10/24 $0 06/03/2024 $3,433 $2,650 002, 233 09/24 $0 06/03/2024 $3,433 $2,650 002, 233 08/24 $0 06/03/2024 $3,433 $2,650 002, 233 07/24 $0 06/03/2024 $3,433 $2,650 002, 233 06/24 $0 $100 06/03/2024 $3,433 $2,650 002, 233 05/24 $100 $40 05/08/2024 $3,433 $2,650 002, 233 04/24 $94 $40 02/08/2024 $3,433 $2,650 002, 233 Narrative Code Narrative Code Description 002 Credit Card 065 Account Closed By Credit Grantor 158 Closed or Paid Account/Zero Balance 233 Amount in High Credit Column is Credit Limit 000000001-DISC Page 13 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 SYNCB/JC PENNEYS - Closed PO Box 71729, Philadelphia, PA 19176-1729 | (866) 396-8254 Date Reported: 04/30/2017 | Balance: $0 Account Number: *4217 | Owner: Joint Account Credit Limit: $290 | High Credit: $437 Loan/Account Type: Charge Account | Status: Pays As Agreed Date Opened: 10/12/1988 Date of 1st Delinquency: Terms Frequency: Monthly Date of Last Activity: 11/01/2010 Date Major Delinquency 1st Reported: Months Reviewed: 99 Scheduled Payment Amount: Amount Past Due: Deferred Payment Start Date: Actual Payment Amount: Charge Off Amount: Balloon Payment Amount: Date of Last Payment: 11/01/2010 Date Closed: 01/01/2012 Balloon Payment Date: Term Duration: Activity Designator: Paid and Closed Narrative Code(s): 158, 065 Narrative Code Narrative Code Description 065 Account Closed By Credit Grantor 158 Closed or Paid Account/Zero Balance 000000001-DISC Page 14 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Date: April 07, 2026 Confirmation # 6097561493 Inquiries A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and those that do not. They may remain on your file for up to 2 years. l Hard Inquiries that can impact your credit rating/score. When a lender requests to review your credit reports after you've applied for credit, it results in a hard inquiry which may impact your credit score. l Soft Inquiries that do not impact your credit rating/score. These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor, or your own requests to check your credit file. Company Information Inquiry Type Inquiry Date(s) CSC CONSUMER ASSISTANCE CENTER 652 N Sam Houston Pkwy E Ste 433 STE 433 Houston TX 77060-1200 Phone: (281) 878-5067 Soft 03/04/2026, 03/02/2026 EQUIFAX PO BOX 740250 ATLANTA GA 30374 Phone: (678) 795-7622 Soft 04/07/2026 EQUIFAX PO BOX 740250 ATLANTA GA 30374 Phone: (800) 685-1111 Soft 02/23/2026 EQUIFAX PO BOX 70250 ATLANTA GA 30374-0250 Phone: (888) 378-4329 Soft 03/01/2026 EQUIFAX UPDATE PO BOX 740250 ATLANTA GA 30374 Phone: (800) 685-1111 Soft 04/07/2026, 03/01/2026, 03/01/2026 EFX PO BOX 740256 ATLANTA GA 30374 Phone: (800) 685-1111 Soft 06/17/2025 THE HOME DEPOT - CITI NA PO BOX 6497 Citibank SIOUX FALLS SD 57117 Phone: (800) 677-0232 Soft 03/26/2026 CAPITAL ONE NATIONAL ASSOC 4851 COX ROAD GLEN ALLEN VA 23060 Phone: (800) 955-7070 Soft 03/18/2026 EQUIFAX CONSUMER SERVICES 1525 WINDWARD CONCOURSE ALPHARETTA GA 30005 Phone: (770) 740-5455 Soft 03/23/2026 EQUIFAX CONSUMER SERVICES P.O. Box 740241 ATLANTA GA 30374 Phone: (888) 378-4329 Soft 04/07/2026 000000001-DISC Page 15 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Prepared for: ROBIN LYNN RICHTER Para informaci ó n en espa ñ ol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. l 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. l 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: m a person has taken adverse action against you because of information in your credit report; m you are the victim of identity theft and place a fraud alert in your file; m your file contains inaccurate information as a result of fraud; m you are on public assistance; m you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information. l You have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness 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. l You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. l Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 000000001-DISC Page 16 of 18 6097561493-EFX-ACR-1012015400001bbe-04072026 Date: April 07, 2026 Confirmation # 6097561493 Prepared for: ROBIN LYNN RICHTER l 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. l 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. l You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore. l 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 1-888-5-OPTOUT (1-888-567-8688). l The following FCRA right applies with respect to nationwide consumer reporting agencies: CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of revie