Clarity Report for BALLARD, JOHN C

6/12/2023

Consumer
Name
BALLARD, JOHN C

Address
9909 DICKENS DR
BENBROOK, TX 76126

Reference Number
7FSADFWM

Notices

Enclosed is a copy of your Clarity Credit Report and/or Clarity Credit Score, a "Summary of Your Rights Under the Fair
Credit Reporting Act", and any applicable state rights for you. Below you can find links to help you read and understand
this document.

If you wish to dispute information contained in your report, please call us to explain your dispute. You may also provide
additional documentation to support your dispute, but it is not required. If you requested your Clarity Credit Report, but
not your Clarity Credit Score, you may request and obtain a Clarity Credit Score.

OFAC score and flag values are derived from information maintained by the Office of Foreign Assets Control, a division of
the U.S. Department of Treasury. Social Security Pre-Randomization and Deceased values are derived from information
maintained by the Social Security Administration.

The latest information on how to read your Clarity consumer file disclosure can be found at:

https://consumersupport.clarityservices.com/how_to_read_report

The latest information on how to read your Clarity Credit Score can be found at:

https://consumersupport.clarityservices.com/how_to_read_score

Disclaimer: This consumer report may contain personally identifiable information, and may be used only in accordance with all regulatory guidelines.
©2009 - 2023 Clarity Services Inc. All Rights Reserved.

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Accounts

No Account information found.

Check Cashing Details (Check cashing information is furnished by VALID Systems)

Furnished on: 11/12/2022

Days Since Last Check Cashing Activity: n/a
Days Since Last Successfully Cashed Check: n/a

24 Hours 7 Days 30 Days 90 Days 180 Days 1 Year 2 Years

Ago Ago Ago Ago Ago Ago Ago

Number of Checks Cashed 0 0 0 0 0 0 0

Number of Checks Attempted 0 0 0 0 0 0 0

Dollar Amount of Checks Cashed $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Dollar Amount of Checks Attempted $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Average Dollar Amount of Checks $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Cashed

Average Dollar Amount of Checks $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Attempted

Inquiries seen by others

The ‘Tracking #’ located after ‘Date’ and ‘Time’ allows you to associate the data that originated from the same inquiry.
For example, when the ‘Tracking #’ is the same for your name, date of birth and driver’s license/state, then all those
data elements came from the same inquiry.

Date/Time/Tracking # Purpose Type Company

11/15/2022 9:26:59 am EST 24xcc6z9gn Credit Application Online Installment Loan FirstElectronicBank/OppLoans

11/14/2022 10:22:04 am EST ry184zrzp7 Credit Application Online Installment Loan National Small Loan

11/12/2022 8:38:43 am EST a55cfc00ss Credit Application Online Installment Loan KwikCash

11/12/2022 8:37:52 am EST 18c8wsmg8y Credit Application Online Installment Loan Simple Fast Loans, Inc

11/12/2022 8:37:32 am EST wytsr9a7f4 Credit Application Online Installment Loan River Valley Loans

11/12/2022 8:37:22 am EST hapyhae786 Credit Application Online Installment Loan Wise Loan

11/12/2022 8:36:52 am EST bjb0jfpq7p Credit Application Online Installment Loan Credit Ninja/FMS

11/12/2022 8:36:47 am EST jt9sjyxcta Credit Application Online Payday Loan CNU Online Holdings

Inquiries not seen by others

Page 2 of 9
The ‘Tracking #’ located after ‘Date’ and ‘Time’ allows you to associate the data that originated from the same inquiry.
For example, when the ‘Tracking #’ is the same for your name, date of birth and driver’s license/state, then all those
data elements came from the same inquiry.

Date/Time/Tracking # Purpose Company

6/7/2023 1:49:11 pm EDT pv3ebpabhs Consumer Request Clarity Compliance

6/6/2023 1:08:01 pm EDT q21286cc9h Consumer Request Clarity Compliance

11/14/2022 5:26:00 pm EST fwyp9ech2t Written Consent Experian on behalf of OneMain - Prequal

10/9/2022 4:26:06 pm EDT 3n1vtd9ryy Written Consent American First Finance PreQual

3/29/2023 8:00:00 pm EDT 5402670618 Written Consent Experian on behalf of Credit Karma Inc

1/29/2023 7:00:00 pm EST 4730852468 Written Consent Experian on behalf of Credit Karma Inc

5/28/2023 8:00:00 pm EDT 6181683824 Written Consent Experian on behalf of Credit Karma Inc

4/26/2023 8:00:00 pm EDT 5797950891 Written Consent Experian on behalf of Credit Karma Inc

3/26/2023 8:00:00 pm EDT 5390780386 Written Consent Experian on behalf of Credit Karma Inc

1/25/2023 7:00:00 pm EST 4692319030 Written Consent Experian on behalf of Credit Karma Inc

5/24/2023 8:00:00 pm EDT 6129905115 Written Consent Experian on behalf of Credit Karma Inc

4/22/2023 8:00:00 pm EDT 5725527760 Written Consent Experian on behalf of Credit Karma Inc

3/22/2023 8:00:00 pm EDT 5336033932 Written Consent Experian on behalf of Credit Karma Inc

2/22/2023 7:00:00 pm EST 5049708513 Written Consent Experian on behalf of Credit Karma Inc

1/22/2023 7:00:00 pm EST 4654350886 Written Consent Experian on behalf of Credit Karma Inc

5/21/2023 8:00:00 pm EDT 6057736816 Written Consent Experian on behalf of Credit Karma Inc

4/19/2023 8:00:00 pm EDT 5716348032 Written Consent Experian on behalf of Credit Karma Inc

3/19/2023 8:00:00 pm EDT 5276092494 Written Consent Experian on behalf of Credit Karma Inc

2/19/2023 7:00:00 pm EST 4979518858 Written Consent Experian on behalf of Credit Karma Inc

1/18/2023 7:00:00 pm EST 4642693645 Written Consent Experian on behalf of Credit Karma Inc

5/17/2023 8:00:00 pm EDT 6069162969 Written Consent Experian on behalf of Credit Karma Inc

4/16/2023 8:00:00 pm EDT 5657370012 Written Consent Experian on behalf of Credit Karma Inc

3/15/2023 8:00:00 pm EDT 5186599686 Written Consent Experian on behalf of Credit Karma Inc

2/15/2023 7:00:00 pm EST 4987338590 Written Consent Experian on behalf of Credit Karma Inc

10/13/2022 8:00:00 pm EDT 3464248803 Pre-screen Republic Bank/NetCredit

5/13/2023 8:00:00 pm EDT 5995423961 Written Consent Experian on behalf of Credit Karma Inc

4/12/2023 8:00:00 pm EDT 5652700753 Written Consent Experian on behalf of Credit Karma Inc

2/12/2023 7:00:00 pm EST 4903943042 Written Consent Experian on behalf of Credit Karma Inc

3/11/2023 7:00:00 pm EST 5194864923 Written Consent Experian on behalf of Credit Karma Inc

1/11/2023 7:00:00 pm EST 4542571973 Written Consent Experian on behalf of Credit Karma Inc

Page 3 of 9
 Date/Time/Tracking # Purpose Company

5/10/2023 8:00:00 pm EDT 5957819534 Written Consent Experian on behalf of Credit Karma Inc

4/9/2023 8:00:00 pm EDT 5554848303 Written Consent Experian on behalf of Credit Karma Inc

3/8/2023 7:00:00 pm EST 5117604882 Written Consent Experian on behalf of Credit Karma Inc

2/8/2023 7:00:00 pm EST 4823823740 Written Consent Experian on behalf of Credit Karma Inc

1/8/2023 7:00:00 pm EST 4493641222 Written Consent Experian on behalf of Credit Karma Inc

5/7/2023 8:00:00 pm EDT 5888660499 Written Consent Experian on behalf of Credit Karma Inc

4/5/2023 8:00:00 pm EDT 5508837029 Written Consent Experian on behalf of Credit Karma Inc

3/5/2023 7:00:00 pm EST 5201475914 Written Consent Experian on behalf of Credit Karma Inc

2/5/2023 7:00:00 pm EST 4776690661 Written Consent Experian on behalf of Credit Karma Inc

6/4/2023 8:00:00 pm EDT 6250726557 Written Consent Experian on behalf of Credit Karma Inc

1/4/2023 7:00:00 pm EST 4448657766 Written Consent Experian on behalf of Credit Karma Inc

5/3/2023 8:00:00 pm EDT 5895066999 Written Consent Experian on behalf of Credit Karma Inc

2/2/2023 7:00:00 pm EST 4914153996 Written Consent Experian on behalf of Credit Karma Inc

4/1/2023 8:00:00 pm EDT 5460497586 Written Consent Experian on behalf of Credit Karma Inc

5/31/2023 8:00:00 pm EDT 6189354113 Written Consent Experian on behalf of Credit Karma Inc

4/30/2023 8:00:00 pm EDT 5877713564 Written Consent Experian on behalf of Credit Karma Inc

Validation

Social Security Pre-Randomization Valid true OFAC Score 30

Social Security Deceased false OFAC Flag false

Personal Information

The following information is reported to us by you, your creditors and/or other sources. Each source may report your
information differently, which may result in variations of your name, address, phone number, employer, income, etc.
This information is listed in no particular order and includes previously submitted information that you, your creditors
and/or other sources have reported. The ‘Tracking #’ located after ‘Date’ and ‘Time’ allows you to associate the data
that originated from the same inquiry. For example, when the ‘Tracking #’ is the same for your name, date of birth and
driver’s license/state, then all those data elements came from the same inquiry.

Name First Reported (Date/Time/Tracking #) Last Reported (Date/Time/Tracking #) # of Times Reported

JOHN BALLARD 10/9/2022 4:26:06 pm EDT 3n1vtd9ryy 11/15/2022 9:26:59 am EST 24xcc6z9gn 10

JOHN C BALLARD 6/6/2023 1:08:01 pm EDT q21286cc9h 6/7/2023 1:49:11 pm EDT pv3ebpabhs 2

Page 4 of 9
 Date Of Birth First Reported (Date/Time/Tracking #) Last Reported (Date/Time/Tracking #) # of Times Reported

7/27/1980 10/9/2022 4:26:06 pm EDT 3n1vtd9ryy 6/7/2023 1:49:11 pm EDT pv3ebpabhs 4

7/27/1990 11/12/2022 8:36:47 am EST jt9sjyxcta 11/14/2022 5:26:00 pm EST fwyp9ech2t 8

Driver's License Number and First Reported Last Reported # of Times

State (Date/Time/Tracking #) (Date/Time/Tracking #) Reported

XXXX7774 TX 11/12/2022 8:36:52 am EST bjb0jfpq7p 11/14/2022 10:22:04 am EST 6

ry184zrzp7

Housing Information

The ‘Tracking #’ located after ‘Date’ and ‘Time’ allows you to associate the data that originated from the same inquiry.
For example, when the ‘Tracking #’ is the same for your home address, housing status, and months at address, then all
those data elements came from the same inquiry

Home Address First Reported Last Reported # of Times

(Date/Time/Tracking #) (Date/Time/Tracking #) Reported

9909 DICKENS DR BENBROOK TX 6/6/2023 1:08:01 pm EDT 6/7/2023 1:49:11 pm EDT 2

76126 q21286cc9h pv3ebpabhs

9909 DICKENS DR FORT WORTH TX 10/9/2022 4:26:06 pm EDT 11/15/2022 9:26:59 am EST 10
76126 3n1vtd9ryy 24xcc6z9gn

Housing Status First Reported (Date/Time/Tracking #) Last Reported (Date/Time/Tracking #) # of Times Reported

OWN 11/12/2022 8:36:52 am EST bjb0jfpq7p 11/14/2022 10:22:04 am EST ry184zrzp7 5

Months at Address First Reported (Date/Time/Tracking #) Last Reported (Date/Time/Tracking #) # of Times Reported

18 Months 11/12/2022 8:36:47 am EST jt9sjyxcta 11/12/2022 8:36:47 am EST jt9sjyxcta 1

24 Months 11/12/2022 8:36:52 am EST bjb0jfpq7p 11/14/2022 10:22:04 am EST ry184zrzp7 5

Phone Information

The ‘Tracking #’ located after ‘Date’ and ‘Time’ allows you to associate the data that originated from the same inquiry.
For example, when the ‘Tracking #’ is the same for your cell phone number, home phone number and work phone
number, then all those data elements came from the same inquiry.

Page 5 of 9
 Cell Phone Number First Reported (Date/Time/Tracking #) Last Reported (Date/Time/Tracking #) # of Times Reported

682-313-2274 10/9/2022 4:26:06 pm EDT 3n1vtd9ryy 10/9/2022 4:26:06 pm EDT 3n1vtd9ryy 1

682-760-4323 11/12/2022 8:36:52 am EST bjb0jfpq7p 11/15/2022 9:26:59 am EST 24xcc6z9gn 7

Home Phone Number First Reported (Date/Time/Tracking #) Last Reported (Date/Time/Tracking #) # of Times Reported

682-313-2274 10/9/2022 4:26:06 pm EDT 3n1vtd9ryy 10/9/2022 4:26:06 pm EDT 3n1vtd9ryy 1

682-760-4323 11/12/2022 8:36:47 am EST jt9sjyxcta 11/14/2022 10:22:04 am EST ry184zrzp7 7

Work Phone Number First Reported (Date/Time/Tracking #) Last Reported (Date/Time/Tracking #) # of Times Reported

682-760-4323 11/12/2022 8:36:47 am EST jt9sjyxcta 11/14/2022 10:22:04 am EST ry184zrzp7 6

Email Information

The ‘Tracking #’ located after ‘Date’ and ‘Time’ allows you to associate the data that originated from the same inquiry.
For example, when the ‘Tracking #’ is the same for your email address and cell phone number, then all those data
elements came from the same inquiry.

Email Address First Reported Last Reported # of Times

(Date/Time/Tracking #) (Date/Time/Tracking #) Reported

JADARIUSBARRETT504@GMAIL.C 10/9/2022 4:26:06 pm EDT 3n1vtd9ryy 10/9/2022 4:26:06 pm EDT 3n1vtd9ryy 1

OM

JBALLARD2.0@ICLOUD.COM 11/12/2022 8:36:52 am EST bjb0jfpq7p 11/15/2022 9:26:59 am EST 7

24xcc6z9gn

JOHNCBALLARD@MAIL.COM 6/7/2023 1:49:11 pm EDT pv3ebpabhs 6/7/2023 1:49:11 pm EDT pv3ebpabhs 1

Employment Information

Employment information is listed in no particular order and includes all previously submitted places of employment that
you, your creditors and/or other sources have reported. The ‘Tracking #’ located after ‘Date’ and ‘Time’ allows you to
associate the data that originated from the same inquiry. For example, when the ‘Tracking #’ is the same for your
employer name, employer address, occupation and months at employer, then all those data elements came from the
same inquiry.

Page 6 of 9
 Employer Name First Reported Last Reported # of Times
(Date/Time/Tracking #) (Date/Time/Tracking #) Reported

JC BALLARD REMODELING AND 11/12/2022 8:36:52 am EST bjb0jfpq7p 11/12/2022 8:37:52 am EST 4
REPAIR 18c8wsmg8y

Employer Address First Reported Last Reported # of Times

(Date/Time/Tracking #) (Date/Time/Tracking #) Reported

JC BALLARD REMODELING AND 11/12/2022 8:38:43 am EST 11/12/2022 8:38:43 am EST 1

REPAIR a55cfc00ss a55cfc00ss

Occupation First Reported Last Reported # of Times

(Date/Time/Tracking #) (Date/Time/Tracking #) Reported

JC BALLARD REMODELING AND 11/12/2022 8:37:22 am EST 11/12/2022 8:37:52 am EST 2

REPAIR hapyhae786 18c8wsmg8y

Months at Employer First Reported (Date/Time/Tracking #) Last Reported (Date/Time/Tracking #) # of Times Reported

0 Months 11/12/2022 8:38:43 am EST a55cfc00ss 11/12/2022 8:38:43 am EST a55cfc00ss 1

12 Months 11/12/2022 8:36:52 am EST bjb0jfpq7p 11/12/2022 8:37:52 am EST 18c8wsmg8y 3

24 Months 11/12/2022 8:37:32 am EST wytsr9a7f4 11/12/2022 8:37:32 am EST wytsr9a7f4 1

36 Months 11/14/2022 10:22:04 am EST ry184zrzp7 11/14/2022 10:22:04 am EST ry184zrzp7 1

Income Information

Income information is listed in no particular order and includes all previously submitted net monthly incomes that you,
your creditors and/or other sources have reported. The ‘Tracking #’ located after ‘Date’ and ‘Time’ allows you to
associate the data that originated from the same inquiry. For example, when the ‘Tracking #’ is the same for your net
monthly income, pay frequency, date of next paycheck, and direct deposit, then all those data elements came from the
same inquiry.

Net Monthly Income First Reported (Date/Time/Tracking #) Last Reported (Date/Time/Tracking #) # of Times Reported

$3,000.00 11/14/2022 10:22:04 am EST ry184zrzp7 11/14/2022 10:22:04 am EST ry184zrzp7 1

$4,166.00 11/12/2022 8:36:47 am EST jt9sjyxcta 11/12/2022 8:38:43 am EST a55cfc00ss 3

$4,200.00 11/12/2022 8:37:22 am EST hapyhae786 11/12/2022 8:37:52 am EST 18c8wsmg8y 3

$5,000.00 10/9/2022 4:26:06 pm EDT 3n1vtd9ryy 10/9/2022 4:26:06 pm EDT 3n1vtd9ryy 1

Page 7 of 9
 Pay Frequency First Reported (Date/Time/Tracking #) Last Reported (Date/Time/Tracking #) # of Times Reported

MONTHLY 11/14/2022 10:22:04 am EST ry184zrzp7 11/14/2022 10:22:04 am EST ry184zrzp7 1

WEEKLY 11/12/2022 8:36:52 am EST bjb0jfpq7p 11/12/2022 8:37:52 am EST 18c8wsmg8y 4

Date of Next Paycheck First Reported (Date/Time/Tracking Last Reported (Date/Time/Tracking # of Times Reported
#) #)

11/18/2022 11/12/2022 8:36:52 am EST bjb0jfpq7p 11/12/2022 8:37:52 am EST 18c8wsmg8y 4

12/08/2022 11/14/2022 10:22:04 am EST ry184zrzp7 11/14/2022 10:22:04 am EST ry184zrzp7 1

Direct Deposit First Reported (Date/Time/Tracking #) Last Reported (Date/Time/Tracking #) # of Times Reported

Yes 11/12/2022 8:36:52 am EST bjb0jfpq7p 11/14/2022 10:22:04 am EST ry184zrzp7 6

Banking Information

Banking information is listed in no particular order and includes all previously submitted banking information that you,
your creditors and/or other sources have reported. The ‘Tracking #’ located after ‘Date’ and ‘Time’ allows you to
associate the data that originated from the same inquiry. For example, when the ‘Tracking #’ is the same for your bank
routing number and direct deposit, then those data elements came from the same inquiry.

Bank Routing Number: 111000614 Bank Account Number: 906578593

Bank Routing Number First 11/12/2022 8:36:47 am EST Bank Account Type: CHECKING
Reported (Date/Time/Tracking jt9sjyxcta
#):

Bank Account Type Last 11/14/2022 10:22:04 am EST

Reported: ry184zrzp7

Bank Routing Number Last 11/14/2022 10:22:04 am EST Bank Name: Jpmorgan Chase Bank, N.A.
Reported (Date/Time/Tracking ry184zrzp7
#):

Main Office Address: 10501 N CENTRAL EXPY

DALLAS TX, 75231

# of Times Bank Routing Number 7 Main Office Phone: 214-369-8877

Reported:

Bank Routing Number: 041215663 Bank Account Number: 1309345561728

Bank Routing Number First 11/15/2022 9:26:59 am EST Bank Account Type: CHECKING
Reported (Date/Time/Tracking 24xcc6z9gn
#):

Page 8 of 9
 Bank Account Type Last 11/15/2022 9:26:59 am EST
Reported: 24xcc6z9gn

Bank Routing Number Last 11/15/2022 9:26:59 am EST Bank Name: Sutton Bank
Reported (Date/Time/Tracking 24xcc6z9gn
#):

Main Office Address: 1 S MAIN ST

ATTICA OH, 44807

# of Times Bank Routing Number 1 Main Office Phone: 800-969-1940

Reported:

Page 9 of 9