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Personal Credit Report

WILLIAM B. COOPER, JR.
Source: TransUnion


May 28, 2009
Available until Jun 27, 2009 		Get Instant Message Updates About Your Credit Report
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Personal Information
File Number:  207065049
Date issued: 05/28/2009
Name:
WILLIAM B. COOPER, JR.

 
You have been on our files since 09/1971
SSN:
XXX-XX-9008
Date of Birth:
03/1946
 
Telephone
678-8664
 
Your SSN is partially masked for your protection

CURRENT ADDRESS
Address: 
200 COUGAR DR.
DOTHAN, AL 36301
 
Date Reported: 
03/2007

PREVIOUS ADDRESSES
Address: 
102 COUGAR DR.
DOTHAN, AL 36301

Date Reported: 
10/2004
Address: 
1501 ARBORVIEW BV.
ANN ARBOR, MI 48103

EMPLOYMENT DATA REPORTED
Employer Name: 
SOC SECUR ADMIN
Location: 
ANN ARBOR, MI

Date Reported: 
02/1994
Position: 
CLAIMS REP
Date Hired: 
 
Employer Name: 
A L WILLIAMS INS
Date Verified: 
04/1986
Position: 
REGIONAL VICE PRES
Date Hired: 
04/1982

Special Notes: Your Social Security number has been masked for your protection. You may request disclosure of the full number by writing to us at the address found at the end of this report. Also 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.

Public Records
The following items obtained from public records appear on your report. You may be required to explain public record items to potential creditors. Any bankruptcy information will remain on your report for 10 years from the date of the filing. Unpaid tax liens may generally be reported for an indefinite period of time depending on your state of residence. Paid tax liens may be reported for 7 years from date of payment. All other public record information, including discharged chapter 13 bankruptcy, remains for up to 7 years.

HOUSTON COUNTY RECORDER  Docket# 189513

PO BOX 6406
DOTHAN , AL 36302
(334) 471-5387 

Type: 
Federal Tax Lien  
Court Type: 
Recorder Of Deeds 
Date Filed: 
02/2009  
Responsibility: 
Individual  
Amount: 
$3,283 

MONTGOMERY COUNTY  Docket# UCC350459

PO BOX 1667
MONTGOMERY , AL 36102
(205) 832-1237 

Type: 
Federal Tax Lien  
Court Type: 
Recorder Of Deeds 
Date Filed: 
01/2005  
Responsibility: 
Individual  
Amount: 
$11,660 


Account Information
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.

Adverse Accounts
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 #32284144

5996 W TOUHY AVE
NILES , IL 60714-4610
(800) 279-0224 

Balance: 
$747  
Date Updated: 
09/2008  
Original Balance: 
$415 
Original Creditor: 
A F S ASSIGNEE OF FIRST PREMI 
Past Due: 
>$747< 
Pay Status: 
>Collection Account<  
Account Type: 
Open Account  
Responsibility: 
Individual Account  
Loan Type: Collection Agency Attorney
Remark: 
>Placed for collection<
Date placed for collection: [ 10/2005] 
Estimated date that this item will be removed:   04/2010

CMI #30751525

4200 INTERNATIONAL
CARROLLTON , TX 75007-1912
(800) 377-7723 

Balance: 
$176  
Date Updated: 
01/2006  
Original Balance: 
$176 
Original Creditor: 
11 COMCAST 
Past Due: 
>$176< 
Pay Status: 
>Collection Account<  
Account Type: 
Open Account  
Responsibility: 
Individual Account  
Loan Type: Collection Agency Attorney
Remark: 
>Placed for collection<
Date placed for collection: [ 10/2005] 
Estimated date that this item will be removed:   07/2012

DOTHAN ACCEPTANCE CO #DA600873

208 W POWELL ST
DOTHAN , AL 36303-4449
(334) 793-2786 

Balance: 
$11,791  
Date Updated: 
01/2008  
High Balance: 
$17,156 
Past Due: 
>$920< 
Terms: 
$438 for 39 months 
Pay Status: 
>Collection Account<  
Account Type: 
Installment Account  
Responsibility: 
Joint Account  
Date Opened: 
05/2007 
Date Closed: 
01/2008 
Loan Type: Automobile
Remark: 
>Placed for collection<
Estimated date that this item will be removed:   05/2014

FIRST PREMIER BANK #5178007083605113

3820 N LOUISE AVE
SIOUX FALLS , SD 57107-0145
Phone number not available 

Balance: 
$0  
Date Updated: 
08/2004  
High Balance: 
$415 
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: 
10/2002 
Date Closed: 
06/2003 
Loan Type: Credit Card
Remark: 
Account closed by consumer
Estimated date that this item will be removed:   03/2010

HOLLOWAY CREDIT SOLUTION #32033487

P O BOX 6441
DOTHAN , AL 36302
(800) 704-3848 

Balance: 
$620  
Date Updated: 
05/2008  
Original Balance: 
$465 
Original Creditor: 
MED1 02 SHER M GHORI MD 
Past Due: 
>$620< 
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:   04/2014

HOLLOWAY CREDIT SOLUTION #24117120

P O BOX 6441
DOTHAN , AL 36302
(800) 704-3848 

Balance: 
$2,001  
Date Updated: 
03/2007  
Original Balance: 
$2,001 
Original Creditor: 
MED1 02 ANESTHESIA CONSULTANTS 
Past Due: 
>$2,001< 
Pay Status: 
>Collection Account<  
Account Type: 
Open Account  
Responsibility: 
Individual Account  
Loan Type: Collection Agency Attorney
Remark: 
>Placed for collection<
Date placed for collection: [ 01/2007] 
Estimated date that this item will be removed:   07/2013

HOLLOWAY CREDIT SOLUTION #26108974

P O BOX 6441
DOTHAN , AL 36302
(800) 704-3848 

Balance: 
$460  
Date Updated: 
07/2007  
Original Balance: 
$345 
Original Creditor: 
MED1 02 FAMILY PRACTICE CLINIC OF DO 
Past Due: 
>$460< 
Pay Status: 
>Collection Account<  
Account Type: 
Open Account  
Responsibility: 
Individual Account  
Loan Type: Collection Agency Attorney
Remark: 
>Placed for collection<
Date placed for collection: [ 05/2007] 
Estimated date that this item will be removed:   10/2013

HSBC BANK #5488975003895961

PO BOX 5253
CAROL STREAM , IL 60197
(800) 477-6000 

Balance: 
$0  
Date Updated: 
05/2006  
High Balance: 
$871 
Credit Limit: 
$0 
Past Due: 
$0 
Pay Status: 
>Charged Off as Bad Debt<  
Account Type: 
Revolving Account  
Responsibility: 
Joint Account  
Date Opened: 
06/2002 
Date Closed: 
01/2006 
Date Paid: 
09/2005 
Loan Type: Credit Card
Remark: 
Purchased by another lender
Estimated date that this item will be removed:   08/2012

NEW MILLENNIUM BANK #4327193010665439

57 LIVINGSTON AVE
NEW BRUNSWICK , NJ 08901-2523
(732) 789-9996 

Balance: 
$133  
Date Updated: 
03/2008  
High Balance: 
$997 
Credit Limit: 
$900 
Past Due: 
>$122< 
Pay Status: 
>Charged Off as Bad Debt<  
Account Type: 
Revolving Account  
Responsibility: 
Joint Account  
Date Opened: 
09/2007 
Date Closed: 
01/2008 
Loan Type: Credit Card
Remark: 
>Profit and loss writeoff<
Estimated date that this item will be removed:   10/2014

ROBINSON REAGAN AND YOU #401858891

260 Cumberland Ben
NASHVILLE , TN 37228
(615) 726-0902 

Balance: 
$146  
Date Updated: 
01/2008  
Original Balance: 
$146 
Original Creditor: 
CENTURYTEL 
Past Due: 
$0 
Pay Status: 
>Collection Account<  
Account Type: 
Open Account  
Responsibility: 
Individual Account  
Loan Type: Collection Agency Attorney
Remark: 
>Placed for collection<
Date placed for collection: [ 11/2007] 
Estimated date that this item will be removed:   09/2014

UNITED RESOURCE SYSTEMS #D915380N1

10075 W COLFAX AVE
LAKEWOOD , CO 80215-3907
(303) 205-0152 

Balance: 
$655  
Date Updated: 
07/2008  
Original Balance: 
$580 
Original Creditor: 
MED1 02 LIFE STAR RESPONSE ALABAMA 
Past Due: 
>$655< 
Pay Status: 
>Collection Account<  
Account Type: 
Open Account  
Responsibility: 
Individual Account  
Loan Type: Collection Agency Attorney
Remark: 
>Placed for collection<
Date placed for collection: [ 09/2007] 
Estimated date that this item will be removed:   06/2014

Satisfactory Accounts
The following accounts are reported with no adverse information. (Note: The account # may be scrambled by the creditor for your protection).

FIRST PREMIER BANK #5178007739903367

3820 N LOUISE AVE
SIOUX FALLS , SD 57107-0145
(800) 987-5521 

Balance: 
$364  
Date Updated: 
04/2009  
High Balance: 
$364 
Credit Limit: 
$200 
Past Due: 
$0 
Terms: 
Minimum $25 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
04/2008 
Loan Type: Credit Card

Late Payments

12 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 12

Months
All months current

FIRST PREMIER BANK #5178007955433339

3820 N LOUISE AVE
SIOUX FALLS , SD 57107-0145
(800) 987-5521 

Balance: 
$376  
Date Updated: 
04/2009  
High Balance: 
$376 
Credit Limit: 
$300 
Past Due: 
$0 
Terms: 
Minimum $25 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Revolving Account  
Responsibility: 
Individual Account  
Date Opened: 
12/2008 
Loan Type: Credit Card

Late Payments

4 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 4

Months
All months current

SIMPLE LOANS #24811

2591 MONTGOMERY HW
SUITE 2
DOTHAN , AL 36303
(334) 702-2274 

Balance: 
$143  
Date Updated: 
04/2009  
High Balance: 
$143 
Past Due: 
$0 
Terms: 
$47 for 3 months 
Pay Status: 
Paid or Paying as Agreed  
Account Type: 
Installment Account  
Responsibility: 
Individual Account  
Date Opened: 
03/2009 
Loan Type: Note Loan

Late Payments

2 months

0 months 30 days late
0 		0 months 60 days late
0 		0 months 90 days late
0
Last 2

Months
All months current

Regular Inquiries
The following companies have received your credit report. Their inquiries remain on your credit report for two years.

SIMPLE LOANS
2591 MONTGOMERY HW
SUITE 2
DOTHAN , AL 36303
(334) 702-2274 

 Requested On:
Inquiry Type:
 03/18/2009
Individual
  

FIRST PREMIER BANK
900 W DELAWARE
PO BOX 5114
SIOUX FALLS , SD 57117
(605) 357-3440 

 Requested On:
Inquiry Type:
 12/23/2008
Individual
  

CAVALRY PORTFOLIO SVCS
7 SKYLINE DRIVE
3RD FLOOR
HAWTHORNE , NY 10532
(800) 501-0909 

 Requested On:
Inquiry Type:
 11/04/2008
Individual
  

GEMB/BELK
P O BOX 981491
EL PASO , TX 79998
(800) 669-6550 

 Requested On:
Inquiry Type:
 10/18/2008
Individual
  

SYNOVUS DOTHAN via LANDAMERICA CREDIT SVC
23622 CALABASAS RD
SUITE 123
CALABASAS , CA 91302
(877) 774-6361 

 Requested On:
Inquiry Type:
 06/11/2008
Individual
 Permissible Purpose:  CREDIT TRANSACTION 

FIRST PREMIER BANK
900 W DELAWARE
PO BOX 5114
SIOUX FALLS , SD 57117
(605) 357-3440 

 Requested On:
Inquiry Type:
 03/21/2008
Individual
  

Inquiry Analysis
The companies listed in the regular inquiry section of your report that received your file in the last 90 days provided the following input on their request.

SIMPLE LOANS
 
Requested On: 03/18/2009

 Identifying information they provided:
WILLIAM COOPER

200 COUGAR DR.
DOTHAN, AL 36301-3955

Promotional Inquires
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.

SOURCEONE AUTOMOTIVE
113 SEABORD LANE
SUITE A190
FRANKLIN , TN 37067
Phone number not available 

 Requested On:
 02/2009
   

MUTUAL OF OMAHA
MUTUAL OF OMAHA PL
OMAHA , NE 68175-0001
Phone number not available 

 Requested On:
 12/2008
   

SOURCEONE AUTOMOTIVE
113 SEABORD LANE
SUITE A190
FRANKLIN , TN 37067
Phone number not available 

 Requested On:
 11/2008
   

MUTUAL OF OMAHA
MUTUAL OF OMAHA PL
OMAHA , NE 68175-0001
Phone number not available 

 Requested On:
 09/2008
   

NATIONWIDE INSURANCE CO
1 NATIONWIDE PLZ
COLUMBUS , OH 43215-2220
(800) 882-2822 

 Requested On:
 09/2008
   

SOURCEONE AUTOMOTIVE
113 SEABORD LANE
SUITE A190
FRANKLIN , TN 37067
Phone number not available 

 Requested On:
 08/2008
   

NATIONAL DEALER WARRANTI
3342 MID RIVERS MA
SAINT PETERS , MO 63376
(800) 436-3185 

 Requested On:
 07/2008
   

MUTUAL OF OMAHA
MUTUAL OF OMAHA PL
OMAHA , NE 68175-0001
Phone number not available 

 Requested On:
 06/2008
   

NATIONWIDE INSURANCE CO
1 NATIONWIDE PLZ
COLUMBUS , OH 43215-2220
(800) 882-2822 

 Requested On:
 06/2008
   

SOURCEONE AUTOMOTIVE
113 SEABORD LANE
SUITE A190
FRANKLIN , TN 37067
Phone number not available 

 Requested On:
 05/2008
   

Account Review Inquiries
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).

FIRST PREMIER BANK
pe
3820 N LOUISE AVE
SIOUX FALLS , SD 57107-0145
(800) 987-5521 

 Requested On:
 04/2009
  

ARROW FINANCIAL SERVICES
pe
5996 W TOUHY AVENU
NILES , IL 60714
Phone number not available 

 Requested On:
 02/2009
  

CAVALRY PORTFOLIO SVCS
pe
7 SKYLINE DR 3RD F
HAWTHORNE , NY 10532
(800) 501-0909 

 Requested On:
 02/2009
  

ARROW FINANCIAL SERVICES
pe
5996 W TOUHY AVENU
NILES , IL 60714
Phone number not available 

 Requested On:
 11/2008
  

NORTHLAND GROUP
pe
7831 GLENROY RD.
SUITE 145
EDINA , MN 55439
Phone number not available 

 Requested On:
 09/2008
  

ARROW FINANCIAL SERVICES
pe
5996 W TOUHY AVENU
NILES , IL 60714
Phone number not available 

 Requested On:
 08/2008
  

ARROW FINANCIAL SERVICES
pe
5996 W TOUHY AVENU
NILES , IL 60714
Phone number not available 

 Requested On:
 05/2008
  

ARROW FINANCIAL SERVICES
pe
5996 W TOUHY AVENU
NILES , IL 60714
Phone number not available 

 Requested On:
 02/2008
  

ARROW FINANCIAL SERVICES
pe
5996 W TOUHY AVENU
NILES , IL 60714
Phone number not available 

 Requested On:
 11/2007
  

TRANSUNION INTERACTIVE I
pe
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available 

 Requested On:
 08/2007
 Permissible Purpose:  CREDIT MONITORING  

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
 		Get Instant Message Updates About Your Credit Report
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.)

Consumer rights

Para informacion en espanol, visite www.ftc.gov/credit o escribe a la FTC Consumer Response Center, Room 130-A, 600 Pennsylvania Ave., N.W., Washington, D.C. 20580.

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.ftc.gov/credit, or write to Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave., N.W., Washington. D.C. 20580.

You must be told if information in your file has been used against you.


Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment -- or to take another adverse action against you -- must tell you, and must give you the name, address, and phone number of the agency that provided the information.

You have the right to know what is in your file.


You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security Number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
  • a person has taken adverse action against you because of information in your credit report;
  • you are the victim of identity theft and place a fraud alert in your file;
  • your file contains inaccurate information as a result of fraud;
  • you are on public assistance;
  • you are unemployed but expect to apply for employment within 60 days.
In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for more information.

You have the right to ask for a credit score.


Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information.


If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.


Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, the consumer reporting agency is not required to remove accurate derogatory information from your file unless it is outdated (as described below) or cannot be verified. A consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information.


In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited.


A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.

You must give your consent for reports to be provided to employers.


A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.ftc.gov/credit.

You may limit "prescreened" offers of credit and insurance you get based on information in your credit report.


Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-567-8688 (888-5OPTOUT).

You may seek damages from violators.


If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Identity theft victims and active duty military personnel have additional rights.


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

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are:


TYPE OF BUSINESS: CONTACT:
Consumer reporting agencies, creditors and others not listed below. Federal Trade Commission
Consumer Response Center - FCRA
Washington, DC 20580
1-877-382-4357
National banks, federal branches/agencies of foreign banks
(word "National" or initials "N.A." appear in or after bank's name) 		Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219
1-800-613-6743
Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
1-202-452-3693
Savings associations and federally chartered savings banks
(word "Federal" or initials "F.S.B." appear in federal institution's name) 		Office of Thrift Supervision
Consumer Complaints
Washington, DC 20552
1-800-842-6929
Federal credit unions
(words "Federal Credit Union" appear in institution's name) 		National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314
1-703-519-4600
State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation
Consumer Response Center
2345 Grand Avenue, Suite 100
Kansas City, Missouri 64108-2638
1-877-275-3342
Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation
Office of Financial Management
Washington, DC 20590
1-202-366-1306
Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250
1-202-720-7051



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