Tenant Screening Sample Report
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TenantSelect Rating: 75
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Credit Report
| Name: | Jonathan Consumer | File Date: | 8/06/2015 |
| Date of Birth: | 1955-**-** | Other AKA/SSN's: | ***-**-9999 |
| Current Address: | 123 Main Street Los Angeles, CA 90047 | Years / Since: | 4/01/2000 |
| Previous Address: | 456 Main Street Los Angeles, CA 90047 | Reported / Since: | 4/27/2004 |
| Previous Address: | 789 Main Street Los Angeles, CA 90047 | Reported / Since: | |
| Employer: | SELF EMPLOYED | Position / Since: | 4/01/1993 |
| Employer: | AJAX HARDWARE | Position / Since: | 11/01/1984 |
Credit Summary:
| Inquiries: | 2 | Occurance Hist Count | 5 |
| Total trades: | 5 | Negative Trades: | 0 |
| Total High Credit: | $2682 | Amount Past Due: | $0 |
| Total Credit Limit: | $500 | Previous Past Due: | 1 |
| Total Mortgage Amt: | Collection: | 5 | |
| Total Revolving Amt: | $601 | Public Record: | 0 |
| Total Installment Amt: | $655 | 30 Days Past Due: | 1 |
| Total Account Balance: | $1256 | 60 Days Past Due: | 1 |
| Total Monthly Payment: | $144 | 90 Days Past Due: | 3 |
| Available Percentage: | -151% |
Scorecard:
Key factors adversely affecting credit score:
Level of delinquency on accounts
Number of accounts with delinquency
Time since delinquency is too recent or unknown
Score: 553
Collections:
| Agency: | CREDIT AND COLLECTION / Y | Date Assigned: | 5/14/2012 |
| Creditor: | G MONEY BANK | Report Date: | 5/14/2012 |
| Account Number: | 336ET009 | Date Verified: | 7/24/2015 |
| Original Balance: | 398 | Date Closed / Paidout: | |
| Amount Due: | $540 | Current MOP: | Collection account |
| Status: | Placed for collection | Account Type Code:: | O |
| Agency: | CREDIT AND COLLECTION / Y | Date Assigned: | 5/12/2010 |
| Creditor: | MEDICAL | Report Date: | 5/12/2010 |
| Account Number: | 02C1R002 | Date Verified: | 7/19/2015 |
| Original Balance: | 170 | Date Closed / Paidout: | |
| Amount Due: | $170 | Current MOP: | Collection account |
| Status: | Placed for collection | Account Type Code:: | O |
| Agency: | TSI/9400 | Date Assigned: | 7/14/2010 |
| Creditor: | MEDICAL1 | Report Date: | 7/14/2010 |
| Account Number: | 02C1R002 | Date Verified: | 7/19/2015 |
| Original Balance: | 255 | Date Closed / Paidout: | |
| Amount Due: | $255 | Current MOP: | Collection account |
| Status: | Placed for collection | Account Type Code:: | O |
| Agency: | TSI/9402 | Date Assigned: | 2/22/2010 |
| Creditor: | MEDICAL1 | Report Date: | 2/22/2010 |
| Account Number: | 02C1R002 | Date Verified: | 7/19/2015 |
| Original Balance: | 290 | Date Closed / Paidout: | |
| Amount Due: | $290 | Current MOP: | Collection account |
| Status: | Placed for collection | Account Type Code:: | O |
| Agency: | CREDIT AND COLLECTION / Y | Date Assigned: | 1/21/2013 |
| Creditor: | MEDICAL1 | Report Date: | 1/21/2013 |
| Account Number: | 0250P005 | Date Verified: | 3/07/2013 |
| Original Balance: | 496 | Date Closed / Paidout: | |
| Amount Due: | $496 | Current MOP: | Collection account |
| Status: | Placed for collection | Account Type Code:: | O |
Public Records: No records found.
Tradelines:
| Creditor: | HOME FINANCIAL | Date Opened: | 9/29/2014 |
| Subscriber #: | 02E4WW001 | Date Reported: | 7/31/2015 |
| Terms: | 16 | Date Verified: | 7/31/2015 |
| Credit Limit: | Date Closed: | ||
| High Credit: | $1839 | Past Due Amount: | $0 |
| Recent Balance: | $655 | 30 /60 / 90: | 0 / 0 / 0 |
| Monthly Payment: | $114 | Industry Type: | Finance, personal |
| Account Type: | I | Loan Type: | Rental Agreement |
| Remark: |
| Creditor: | MOUNTAIN BK | Date Opened: | 11/27/1989 |
| Subscriber #: | 1119999 | Date Reported: | 7/24/2015 |
| Terms: | Date Verified: | 7/24/2015 | |
| Credit Limit: | $124 | Date Closed: | 2/23/2012 |
| High Credit: | $324 | Past Due Amount: | $0 |
| Recent Balance: | $0 | 30 /60 / 90: | 0 / 0 / 0 |
| Monthly Payment: | Industry Type: | Department stores | |
| Account Type: | R | Loan Type: | Charge Account |
| Remark: | Closed |
| Creditor: | BAY COMPANY | Date Opened: | 6/23/2014 |
| Subscriber #: | 2390446 | Date Reported: | 7/10/2015 |
| Terms: | MIN | Date Verified: | 7/10/2015 |
| Credit Limit: | $500 | Date Closed: | |
| High Credit: | $843 | Past Due Amount: | $0 |
| Recent Balance: | $601 | 30 /60 / 90: | 1 / 1 / 3 |
| Monthly Payment: | $30 | Industry Type: | Department stores |
| Account Type: | R | Loan Type: | Charge Account |
| Remark: |
| Creditor: | BAY COMPANY | Date Opened: | 12/22/1993 |
| Subscriber #: | 6372038 | Date Reported: | 12/12/2007 |
| Terms: | 120 | Date Verified: | 12/12/2007 |
| Credit Limit: | Date Closed: | 12/12/2007 | |
| High Credit: | $1968 | Past Due Amount: | $0 |
| Recent Balance: | $0 | 30 /60 / 90: | / / |
| Monthly Payment: | $0 | Industry Type: | Banks |
| Account Type: | I | Loan Type: | Student Loan |
| Remark: | Debt being paid through insurance |
| Creditor: | BAY COMPANY | Date Opened: | 12/22/1993 |
| Subscriber #: | 63372038 | Date Reported: | 12/12/2007 |
| Terms: | 120 | Date Verified: | 12/12/2007 |
| Credit Limit: | Date Closed: | 12/12/2007 | |
| High Credit: | $3000 | Past Due Amount: | $0 |
| Recent Balance: | $0 | 30 /60 / 90: | / / |
| Monthly Payment: | $0 | Industry Type: | Banks |
| Account Type: | I | Loan Type: | Student Loan |
| Remark: | Debt being paid through insurance |
Inquiries:
| Date: | Subcode: | Name: | Type: |
| 7/23/2015 | BPC02699824 | CAP ONE | Banks |
| 5/20/2015 | BNY05371284 | SYNCB/AMAZON | Banks |
Based on the credit requirements you've set for this property, the credit history for this applicant contain adverse events that indicate a significant risk in the applicant's ability to meet the lease terms you've indicated. The risk is significant enough that you should not lease to this applicant without additional financial security (e.g. a cosigner/guarantor). At this point no further steps are necessary other than to communicate your decision to the applicant.
Warnings:
| Description: |
Telecheck Check Verification
| The TeleCheck Response Message Conditions helps separate good check writers from bad ones. Armed with national databases containing real-time information from more than 306,000 businesses and financial institutions, TeleCheck offers the most accurate response message conditions in the industry. This database comprises more than 51 million bad check records. These databases provide with continually updated information including bad check activity as it occurs, automated inquiries using the consumer's identification (Driver's License or state ID) as well as checking account data (MICR #). | |||
| Full Name: | Jonathan Consumer | Result: | Approved |
| Driver's License #: | 999999 | Message: | NO BAD CHECKS FOUND |
| Driver's License State: | CA | ||
Previous Address History
| # | Name | Address | County | Phone | Dates |
|---|---|---|---|---|---|
| 1 | Jonathan Consumer | 123 Main Street LOS ANGELES, CA 90047 |
LOS ANGELES | 3232185452 | 9/1999 - 10/2008 |
| 2 | Jonathan Consumer | 123 Main Street LOS ANGELES, CA 90047 |
LOS ANGELES | 9/1999 - 10/2008 | |
| 3 | Jonathan Consumer | 123 Main Street LOS ANGELES, CA 90047 |
LOS ANGELES | 8/2003 - 8/2003 | |
| 4 | Jonathan Consumer | 123 Main Street LOS ANGELES, CA 90047 |
LOS ANGELES | 7/2001 - 7/2001 | |
| 5 | Jonathan Consumer | 123 Main Street LOS ANGELES, CA 90047 |
LOS ANGELES | 3232185452 | 7/2001 - 7/2001 |
| 6 | Jonathan Consumer | 123 Main Street LOS ANGELES, CA 90047 |
LOS ANGELES | 7/2001 - 7/2001 | |
| 7 | Jonathan Consumer | 123 Main Street LOS ANGELES, CA 90047 |
LOS ANGELES | 7/2001 - 7/2001 | |
| 8 | Jonathan Consumer | 123 Main Street LOS ANGELES, CA 90047 |
LOS ANGELES | 11/2000 - 11/2000 | |
| 9 | Jonathan Consumer | 123 Main Street LOS ANGELES, CA 90047 |
LOS ANGELES | 10/1995 - 11/2000 | |
| 10 | Jonathan Consumer | 123 Main Street LOS ANGELES, CA 90047 |
LOS ANGELES | 7/1997 - 2/2000 |
Nationwide Eviction
Eviction Disclaimer
All data provided is intended solely for the customer who initially receives such data from the provider. The provider cannot guarantee or warrant the accuracy, correctness, or completeness of the data. The provider delivers all data to customers on an 'as is' 'as available' basis without any express or implied warranty, guaranty, or representation of any kind concerning the data itself, its merchantability, or its fitness for a particular purpose or function. Neither the provider nor any of their affiliates shall be liable for any damages of whatever kind may result from the customer's reliance on (or use of) the data provided, even if the provider, or any of their affiliates has been alerted to the possibility of such damages. By accessing any such data, the customer acknowledges and agrees that the customer has not relied on anything that may be inconsistent with this Legal Statement.
IMPORTANT NOTICE TO USERS OF EVICTION FILINGS AND JUDGEMENTS - A RECORD ON FILE MAY NOT ALWAYS REPRESENT A DISPOSITION ADVERSE TO THE CONSUMER. THE EXISTENCE OF A RECORD DOES NOT MEAN THAT AN APPLICANT WAS EVICTED FROM AN APARTMENT OR WAS FOUND TO OWE RENT. LAWSUITS MAY BE FILED IN ERROR OR LACK MERIT.
The result of this public record search is based upon the quality and completeness of the search information provided.
Since eviction records may not have sufficient information to establish an exact identity, eviction search results should be taken as indicator of information to be verified prior to making a rental decision. Unless such information is verified with regard to the consumer who has made the application for residency, eviction information should not be used.
As per the Fair Credit Reporting Act (FCRA), the following search was conducted:
- all records within the last 7 years
- all records where the individual was convicted
**IMPORTANT NOTICE** USE OR DISSEMINATION OF THIS DATA IS SUBJECT TO THE TERMS, CONDITIONS, RESTRICTIONS AND LIMITATIONS SPECIFIED AT: http://www.backgroundscreeningsystems.com/disclaimers.aspx
Eviction Jurisdictions
Alabama Eviction Records, Alaska Eviction Records, Arizona Eviction Records, Arkansas Eviction Records, California Eviction Records, Colorado Eviction Records, Connecticut Eviction Records, Delaware Eviction Records, Florida Eviction Records, Georgia Eviction Records, Guam Eviction Records, Hawaii Eviction Records, Idaho Eviction Records, Illinois Eviction Records, Indiana Eviction Records, Iowa Eviction Records, Kansas Eviction Records, Kentucky Eviction Records, Louisiana Eviction Records, Maine Eviction Records, Maryland Eviction Records, Massachusetts Eviction Records, Michigan Eviction Records, Minnesota Eviction Records, Mississippi Eviction Records, Missouri Eviction Records, Montana Eviction Records, Nebraska Eviction Records, Nevada Eviction Records, New Hampshire Eviction Records, New Jersey Eviction Records, New Mexico Eviction Records, New York Eviction Records, North Carolina Eviction Records, North Dakota Eviction Records, Ohio Eviction Records, Oklahoma Eviction Records, Oregon Eviction Records, Pennsylvania Eviction Records, Rhode Island Eviction Records, South Carolina Eviction Records, South Dakota Eviction Records, Tennessee Eviction Records, Texas Eviction Records, Utah Eviction Records, Vermont Eviction Records, Virginia Eviction Records, Washington Eviction Records, Washington, DC Eviction Records, West Virginia Eviction Records, Wisconsin Eviction Records, Wyoming Eviction Records.
1 eviction record(s) were found
Eviction Record 1
| Court State: | CA LOS ANGELES | Plantiff | ABC APARTMENTS |
| Court Name: | COURT - NON CRIMINAL DIVISIONS | Defendant Full Name: | JONATHAN CONSUMER |
| Case Number: | 422 AC00 | Defendant Address: | 15 WASHINGTON AVE |
| File Date: | 01/09/2017 | City, State, Zip: | LOS ANGELES, CA 9001 |
| Judgment Date: | 01/30/2017 | SSN Message: | SSN IS VALID |
| Judgment Amount: | $5,354 | SSN Year: | IN THE YEAR 1969-1971 |
| Notice Type: | FORCIBLE ENTRY/DETAINER |
Nationwide Criminal Search
Criminal Disclaimer
The result of this public record search is based upon the quality and completeness of the search information provided.
All data provided is intended solely for the customer who initially receives such data from the provider. The provider cannot guarantee or warrant the accuracy, correctness, or completeness of the data. The provider delivers all data to customers on an 'as is' 'as available' basis without any express or implied warranty, guaranty, or representation of any kind concerning the data itself, its merchantability, or its fitness for a particular purpose or function. Neither the provider nor any of their affiliates shall be liable for any damages of whatever kind may result from the customer's reliance on (or use of) the data provided, even if the provider, or any of their affiliates has been alerted to the possibility of such damages. By accessing any such data, the customer acknowledges and agrees that the customer has not relied on anything that may be inconsistent with this Legal Statement.
Independent reporting and collection of sex offender records did not begin on a national level until the enactment of Megan's Law in 1996.
Criminal Jurisdictions Searched
Search: Nationwide
Sex Offender Jurisdictions Searched:
Alabama Sex Offenders, Alaska Sex Offenders, Arizona Sex Offenders, Arkansas Sex Offenders, California Sex Offenders, Colorado Sex Offenders, Connecticut Sex Offenders, Delaware Sex Offenders, District of Columbia (Washington DC) Sex Offenders, Florida Sex Offenders, Georgia Sex Offenders, GUAM Sex Offenders, Hawaii Sex Offenders, Idaho Sex Offenders (updated quarterly), Illinois Sex Offenders, Indiana Sex Offenders, Iowa Sex Offenders, Kansas Sex Offenders, Kentucky Sex Offenders, Louisiana Sex Offenders, Maine Sex Offenders, Maryland Sex Offenders, Massachusetts Sex Offenders, Michigan Sex Offenders, Minnesota Sex Offenders, Mississippi Sex Offenders, Missouri Sex Offenders, Montana Sex Offenders and Violent Offenders, Nebraska Sex Offenders, Nevada Sex Offenders, New Hampshire Sex Offenders, New Jersey Sex Offenders, New Mexico Sex Offenders, New York Sex Offenders, North Carolina Sex Offenders, North Dakota Sex Offenders, Ohio Sex Offenders, Oklahoma Sex Offenders, Oregon Sex Offenders, Pennsylvania Sex Offenders, Puerto Rico Sex Offenders, Rhode Island Sex Offenders, South Carolina Sex Offenders, South Dakota Sex Offenders, Tennessee Sex Offenders, Texas Sex Offenders, Utah Sex Offenders, Vermont Sex Offenders, Virginia Sex Offenders, Washington Sex Offenders, West Virginia Sex Offenders, Wisconsin Sex Offenders, and Wyoming Sex Offenders. These databases are updated monthly.
Federal Jurisdictions Searched:
Federal Most Wanted:
Top Ten FBI Most Wanted, FBI Most Wanted Fugitives, US Marshals Most Wanted, US Marshals Major Cases, Alabama Department of Public Safety, Mississippi Department of Public Safety, Kansas Most Wanted, US DEA Wanted Fugitives, DTIC Fugitive Top List, US Secret Service Most Wanted, Americas Most Wanted, Connecticut Department of Public Safety, and Texas Most Wanted. These databases are updated monthly. The Department's of Correction only release public data on 1 to 4 of the last known conviction records from the state databases.
Interpol Most Wanted:
The persons concerned are wanted by national jurisdictions (or the International Criminal Tribunals, where appropriate) and Interpol's role is to assist the national police forces in identifying or locating those persons with a view to their arrest and extradition. These red notices allow the warrant to be circulated worldwide with the request that the wanted person be arrested with a view to extradition. A distinction is drawn between two types of red notice: the first type is based on an arrest warrant and is issued for a person wanted for prosecution; the second type is based on a court decision for a person wanted to serve a sentence. This database includes DOB's and photos and is updated monthly.
Denied Persons List:
This dataset includes data from the U.S. Department of Commerce on persons whose export privileges are denied by federal written order. This database does not include DOB's or photos (name match only) and is updated monthly.
OCC Enforcement Actions List:
Administrator of National Banks, OCC supervises the following and has statutory authority to take enforcement actions against them: national banks, Federal branches/agencies of foreign banks, institution affiliated parties (IAP's) including: a. officers, directors and employees, b. bank's controlling stockholders, agents, and certain other individuals. Generally, they may take formal enforcement actions against above entities for violations of law, rules or regulations, unsafe or unsound practices, violations of final orders, violations of conditions imposed in writing, and for IAP's breaches of fiduciary duty. This data reports back to 1989 when it became public. This database includes DOB's and is updated monthly.
DEA-Most Wanted (Seattle Region and includes AK):
The data contained within this dataset is information provided to the DEA through a variety of sources (i.e., State and local agencies, federal law enforcement agencies, internal intelligence reports, etc.) and information obtained as a result of DEA investigations world wide. This data is updated monthly and contains photos and DOB's.
(ATF) Alcohol, Tobacco, and Firearms Most Wanted:
For an individual to be on the most wanted list, certain conditions must be met:
Seriousness of the crime committed
Past criminal record of the defendant
Potential for the defendant to be a dangerous menace to society, based on the current or past charges
Belief that publicity afforded by the program will be of assistance in apprehending the wanted person. This dataset is updated monthly and contains photos and DOB's
Terrorist Jurisdictions Searched:
(OFAC) Office of Foreign Assets Control
Specially Designated Nationals and Blocked Persons list maintained by the Office of Foreign Assets Control of the U.S. Department of the Treasury with every criminal search. OFAC administers and enforces economic and trade sanctions based on United States foreign policy and national security goals against targeted foreign countries, terrorists, international narcotics traffickers, and those engaged in activities related to the proliferation of weapons of mass destruction. As part of its enforcement efforts, OFAC publishes a list of individuals and companies owned or controlled by, or acting for or on behalf of, targeted countries. It also lists individuals, groups, and entities, such as terrorists and narcotics traffickers designated under programs that are not country-specific. Collectively, such individuals and companies are called "Specially Designated Nationals" or "SDNs." Their assets are blocked by law and American individuals and companies are generally prohibited from dealing with SDNs. Results have full name, date of birth if known, address, country, title, program, remarks like AKA's. These records are screened individually and carefully, and reported to the proper law enforcement entities when a match is made. These databases are updated monthly.
(PLC) Palestinian Legislative Council List:
These are individuals that are Palestinian Legislative Council members who were elected on the party slate of an FTO, SDT or SDGT. This data is another piece of OFAC; this database includes DOB's and is updated monthly.
(OTS) Office of Thrift Supervision, Terrorist Watch List:
The Office of Thrift Supervision (OTS) is the primary regulator of all federally chartered and many state-chartered thrift institutions. The OTS enforcement actions list is a directory of actions levied against institution-affiliated parties, officers, directors and controlling shareholders of such entities and others. This database does not include DOB's or photos (name match only) and is updated quarterly.
(MIPT) The Memorial Institute for the Prevention of Terrorism, Terrorist Knowledge Base:
This dataset offers in-depth information on terrorist incidents, groups, and trials, leaders and members. This database includes photos and is updated monthly.
2 possible criminal record(s) were found
Criminal Record 1
| Full Name: | Jonathan Consumer | Category: | CRIMINAL/TRAFFIC |
| Address | 123 Main Street, | Source ID: | FL DEPT OF CORRECTIONS - RELEASE |
| City, State, Zip: | Los Angeles, CA 90047 | DC Number: | S20470 |
| SSN: | ***-**-9999 | File Data Date: | 12/10/2012 |
| DOB: | MATCH | Release Info: | |
| Gender: | MALE | Offender Status: |
Offense 1
| Case Type: | Traffic | Source: | |
| Case Number: | T1245 | Court: | MONTGOMERY |
| Offense Code: | S20740 | Arrest Date: | 12/17/2012 |
| Offense Type / Class: | / | File Data Date: | 12/17/2012 |
| Offense Location: | / PA, | Disposition Date: | 12/17/2012 |
| Offense Date: | 12/10/2012 | Plea: | GUILTY PLEA |
| Offense Name: | OBEDIENCE TO TRAFFIC-CONTROL DEVICES | ||
| Disposition: | GUILTY PLEA |
Criminal Record 2
| Full Name: | Jonathan Consumer | Category: | TRAFFIC |
| Address | Source ID: | lA ADMINISTRATIVE OFFICE OF COURTS | |
| City, State, Zip: | Los Angeles, CA 90047 | DC Number: | S20470 |
| SSN: | File Data Date: | 12/10/2012 | |
| DOB: | MATCH | Release Info: | |
| Gender: | MALE | Offender Status: |
Offense 1
| Case Type: | Traffic | Source: | PA ADMINISTRATIVE OFFICE |
| Case Number: | MJ-38113 | Court: | MONTGOMERY MAGISTERIAL |
| Offense Code: | 75 3111 A | Arrest Date: | 12/17/2012 |
| Offense Type / Class: | / | File Data Date: | 12/17/2012 |
| Offense Location: | / PA, | Disposition Date: | 12/17/2012 |
| Offense Date: | 12/10/2012 | Plea: | |
| Offense Name: | OBEDIENCE TO TRAFFIC-CONTROL DEVICES | ||
| Disposition: | GUILTY PLEA |
Sex Offender Search
| Full Name: | Consumer, Jonathan | Height: | 6'00 |
| DOB: | MATCH | Weight: | 190 LBS |
| Race: | WHITE | Eye Color: | BLUE |
| Sex: | MALE | Hair Color: | BROWN |
| Alias: | No | FBI Number: | |
| Phone: | Offender ID: | SC10092 | |
| Address: | INCARCERATED | Jurisdiction ID: | |
| City, State, Zip: | Drivers License: | ||
| Case Number: | Sentence Date: | ||
| Case County: | Sentence: | ||
| Charge Description: | CRIM SEX CONDUCT W/M 2 COUNTS |
Release Date: | |
| Full Name: | Jonarthan Quincy Consumer | Height: | 6'02 |
| DOB: | MATCH | Weight: | 198 LBS |
| Race: | WHITE | Eye Color: | HAZEL |
| Sex: | MALE | Hair Color: | BROWN |
| Alias: | No | FBI Number: | |
| Phone: | Offender ID: | GA655794MA8 | |
| Address: | 112 BREEZY TRL | Jurisdiction ID: | GASEX |
| City, State, Zip: | ROSSVILLE GA 30741 | Drivers License: | |
| Case Number: | Sentence Date: | ||
| Case County: | Sentence: | ||
| Charge Description: | AGGRAV CHILD MOLESTATION |
Release Date: | |
OFAC, Terrorist and Federal Search
0 Strong matches for terrorist records were found
1 Possible match for terrorist records were found - Click to hide
| Full Name: | Consumer, Jonathan | Wanted For: | |
| Alias Full Name: | Match | Source Description: | Alabama Exclusion List |
| DOB: | 1955**** | Infractions ID Key: | |
| Gender: | Male | Scar Marks: | |
| Race: | Address: | Detroit MI 48221 | |
| Weight: | City, State, Zip: | Detroit MI 48221 | |
| Height: | Country: | ||
| Eyes: | Nationality: | ||
| Hair: | Nationality Description: |
SSN Verifier Plus
| State SSN Issued from: | New Jersey |
| Year SSN Issued: | 1955 |
| SSN Exists/Valid: | MATCH |
| Listed as Deceased: | No Records Found |
| DOBs Associated with SSN: | 1955-**-** |
| Names Associated with SSN: | John Consumer |
