5/3/2021 PrivacyGuard - Credit Gateway

3 Bureau Credit Report with 3 Bureau VantageScores as of 3/5/2021

568 Weak
577 Weak
590 Weak

Score Factors Score Factors Score Factors

Lack of sufficient relevant real estate There are no or only a few recent Few or no installment accounts with
account information delinquencies on your accounts delinquent or derogatory payment
You have few or no recent No open bankcard or revolving status
delinquencies on your installment accounts in your credit file No open bankcard or revolving
accounts Few or no installment accounts with accounts in your credit file
There are no or only a few recent delinquent or derogatory payment There are no or only a few recent
delinquencies on your accounts status delinquencies on your accounts
The number of inquiries was also a Lack of sufficient relevant real estate Lack of sufficient relevant real estate
factor, but effect was not significant account information account information
You have insufficient credit history You have too many collection You have too many collection
on installment loans agency accounts that are unpaid agency accounts that are unpaid
You have too many collection Too many bankcard or revolving Too many bankcard or revolving
agency accounts that are unpaid accounts with delinquent or accounts with delinquent or
derogatory status derogatory status
Show more
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Summary

Revolving Credit Accounts

Count 2 2 2

Balance $0.00 $0.00 $0.00

Payments $0.00 $0.00 $0.00

Open 0 0 0

Closed 2 2 2

Deferred/Unknown 0 0 0

Real Estate Credit Accounts

Count 0 0 0

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Balance $0.00 $0.00 $0.00

Payment $0.00 $0.00 $0.00

Open 0 0 0

Closed 0 0 0

Deferred/Unknown 0 0 0

Installment Credit Accounts

Count 3 3 6

Balance $37,245.00 $37,245.00 $37,245.00

Payment $1,027.00 $1,027.00 $1,027.00

Open 2 2 2

Closed 1 1 3

Deferred/Unknown 0 0 1

Open Accounts

Count 2 2 2

Balance $37,245.00 $37,245.00 $37,245.00

Payment $1,027.00 $1,027.00 $1,027.00

Open - - -

Closed - - -

Deferred/Unknown - - -

Collection Accounts

Count 4 0 1

Balance $3,390.00 $0.00 $1,038.00

Payment $0.00 $0.00 $0.00

Open 0 0 0

Closed 0 0 0

Deferred/Unknown 4 0 1

Other Accounts

Count 0 0 0

Balance $0.00 $0.00 $0.00

Payment $0.00 $0.00 $0.00

Open 0 0 0

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Closed 0 0 0

Deferred/Unknown 0 0 0

Personal Information

Personal Information

Name Rafael Perez Rafael Perez Rafael R Perez

Date of Birth 1964 1964 1964

69 Tremont St Apt 2 69 Tremont St 1 69 Tremont St #1

Address
Salem MA 01970-1543 Salem MA 01970 Salem MA 01970

Date Address Reported 2/26/2018 3/5/2018 3/3/2021

Previous Addresses

69 Tremont St Apt 2 69 Tremont St 1 69 Tremont St #1

Address 1
Salem MA 01970-1543 Salem MA 01970 Salem MA 01970

2 Tracey St Apt 2 2 Littles Ln 21 16 Willow St

Address 2
Peabody MA 01960-4423 Peabody MA 01960 Gloucester MA 01930

16 Willow St 15 Pond St 6 Ray St 1

Address 3
Gloucester MA 01930-2792 Salem MA 01970 Peabody MA 01960

111 Main St
Address 4 - -
Peabody MA 01960

3 Harris St
Address 5 - -
Peabody MA 01960

28 Tremont St
Address 6 - -
Salem MA 01970

10 Harris St
Address 7 - -
Peabody MA 01960

24 Holten St Fl 3rd
Address 8 - -
Peabody MA 01960

2 Littles Ln Apt 20
Address 9 - -
Peabody MA 01960

15 Pond St Apt 1
Address 10 - -
Salem MA 01970

Employment Details

Employer 1 Alliance Health At Rosewood Alliance Health At Rosewood Alliance Health At R

Employer 2 Otherincome 99 Restaraunt -

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Consumer Statement

No Consumer Statements Available.

Credit Inquiries

Inquiry 1

Inquiry Date - 1/15/2021 -

Creditor Name - BIRCHWOOD CR -

Creditor Address - - -

Creditor Phone - - -

Inquiry 2

Inquiry Date - 1/12/2021 -

Creditor Name - CAPITAL ONE -

Creditor Address - - -

Creditor Phone - - -

Inquiry 3

Inquiry Date - 10/7/2020 -

Creditor Name - LIGHTSTREAM -

Creditor Address - - -

Creditor Phone - - -

Inquiry 4

Inquiry Date - 8/9/2020 -

Creditor Name - SYNCB/PAYPAL -

Creditor Address - - -

Creditor Phone - - -

Inquiry 5

Inquiry Date - 5/5/2020 -

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Creditor Name - TBOM/MILESTO -

Creditor Address - - -

Creditor Phone - - -

Inquiry 6

Inquiry Date - 2/26/2020 -

Creditor Name - SYNCB/AMAZON -

Creditor Address - - -

Creditor Phone - - -

Inquiry 7

Inquiry Date - 2/16/2020 -

Creditor Name - CAPITAL ONE -

Creditor Address - - -

Creditor Phone - - -

Inquiry 8

Inquiry Date - 2/1/2020 -

Creditor Name - COAF -

Creditor Address - - -

Creditor Phone - - -

Inquiry 9

Inquiry Date - 3/10/2019 -

Creditor Name - FINGERHUT/ W -

Creditor Address - - -

Creditor Phone - - -

Inquiry 10

Inquiry Date - - 1/15/2021

Creditor Name - - BIRCHWOOD CREDIT SER

Creditor Address - - -

Creditor Phone - - -

Inquiry 11

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Inquiry Date - - 1/12/2021

Creditor Name - - CAPITAL ONE BANK USA

15000 Capital One Drive Po#

Creditor Address - - Us364401
Richmond VA 23238

Creditor Phone - - Mail Only

Inquiry 12

Inquiry Date - - 4/26/2020

Creditor Name - - AT&T SERVICES, INC.-

17330 Preston Rd Suite 100a

Creditor Address - -
Dallas TX 75252

Creditor Phone - - (800) 288-2020

Inquiry 13

Inquiry Date - - 2/16/2020

Creditor Name - - CAPITAL ONE BANK USA

15000 Capital One Drive Po#

Creditor Address - - Us364401
Richmond VA 23238

Creditor Phone - - Mail Only

Inquiry 14

Inquiry Date - - 2/1/2020

Creditor Name - - CAPITAL ONE

15000 Capital One Drive Po#

Creditor Address - - Usbnk475734
Richmond VA 23238

Creditor Phone - - Mail Only

Inquiry 15

Inquiry Date 1/15/2021 - -

Creditor Name BIRCHWOOD CREDIT SERVI - -

2617 White Mountain Hwy

Creditor Address - -
North Conway NH 03860

Creditor Phone (800) 910-0015 - -

Inquiry 16

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Inquiry Date 1/12/2021 - -

Creditor Name CAP ONE NA - -

Po Box 30281
Creditor Address - -
Salt Lake City UT 84130

Creditor Phone (800) 227-4825 - -

Inquiry 17

Inquiry Date 8/16/2020 - -

Creditor Name JPMCB CARD - -

Po Box 15369
Creditor Address - -
Wilmington DE 19850

Creditor Phone (800) 945-2000 - -

Inquiry 18

Inquiry Date 6/5/2020 - -

Creditor Name CITI CARDS CBNA - -

Po Box 6000
Creditor Address - -
Sioux Falls SD 57117

Creditor Phone Bymailonly - -

Inquiry 19

Inquiry Date 2/23/2020 - -

Creditor Name AMEX - -

Po Box 981537
Creditor Address - -
El Paso TX 79998

Creditor Phone (800) 874-2717 - -

Inquiry 20

Inquiry Date 2/16/2020 - -

Creditor Name CAP ONE NA - -

Po Box 30281
Creditor Address - -
Salt Lake City UT 84130

Creditor Phone (800) 227-4825 - -

Inquiry 21

Inquiry Date 2/1/2020 - -

Creditor Name CAPITAL ONE AUTO FIN - -

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Po Box 259407
Creditor Address - -
Plano TX 75025

Creditor Phone (800) 946-0332 - -

Inquiry 22

Inquiry Date 2/1/2020 - -

Creditor Name WFDS - -

15750 Alton Pkwy

Creditor Address - -
Irvine CA 92618

Creditor Phone (949) 754-7911 - -

Inquiry 23

Inquiry Date 2/1/2020 - -

SANTANDER CONSUMER
Creditor Name - -
USA

8585 N Stemmoms Fwy

Creditor Address - -
Dallas TX 75247

Creditor Phone (866) 923-9282 - -

Inquiry 24

Inquiry Date 1/27/2020 - -

NCC/PROMAX/SONIAS
Creditor Name - -
AUTO

160 Southbridge St
Creditor Address - -
Worcester MA 01608

Creditor Phone (508) 581-2202 - -

Revolving Credit Accounts

Account 1

Account TD BANK NA TD BANK N.A. TD BANK NA

Account Holder 483950XXXXXXXXXX 483950XXXXXX 483950XXXXXXXXXX

Account Type Revolving Revolving Revolving

Account Condition Closed Closed Closed

Date Opened 3/1/2018 3/1/2018 3/1/2018

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High Balance $590.00 $590.00 $590.00

Monthly Payment $0.00 $0.00 $0.00

Account Balance $0.00 $0.00 $0.00

Last Reported 4/17/2019 4/17/2019 4/17/2019

Amount Past Due $0.00 $0.00 $0.00

Limit $500.00 $500.00 $500.00

Account Closed At
Consumer’s Request
Remarks Account Closed By Consumer
Account Closed At
Consumer’s Request

Responsibility Individual Individual Account Individual Account

Past Due - 30 Days 0 0 0

Past Due - 60 Days 0 0 0

Past Due - 90 Days 0 0 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian OK

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 2

Account CAPITAL ONE BANK USA N CAPITAL ONE CAPITAL ONE BANK USA

Account Holder 517805XXXXXX 517805XXXXXX 517805XXXXXX

Account Type Revolving Revolving Revolving

Account Condition Closed Closed Closed

Date Opened 2/16/2020 2/16/2020 2/16/2020

High Balance $333.00 $333.00 $333.00

Monthly Payment $0.00 $0.00 $0.00

Account Balance $0.00 $0.00 $0.00

Last Reported 1/16/2021 1/16/2021 1/16/2021

Amount Past Due $0.00 $0.00 $0.00

Limit $300.00 $300.00 $300.00

Account Closed By Credit

Remarks - Canceled By Credit Grantor
Grantor

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Responsibility Individual Individual Account Individual Account

Past Due - 30 Days 2 2 2

Past Due - 60 Days 1 1 1

Past Due - 90 Days 0 0 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian OK OK OK OK OK OK OK 30 60 30 OK

Transunion OK OK OK OK OK OK OK 30 60 30

Equifax NA NA NA NA NA NA NA NA NA NA OK OK OK OK OK OK OK OK 30 60 30

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Real Estate Credit Accounts

No Account Information Available.

Installment Credit Accounts

Account 1

Account WESTLAKE FINANCIAL SVC WESTLAKE FIN WESTLAKE SERVICE INC

Account Holder 105847XX 105847XX 105847XX

Account Type Installment Installment Installment

Account Condition Closed Closed Closed

Date Opened 1/21/2019 1/21/2019 1/21/2019

High Balance $0.00 $9,208.00 $9,208.00

Monthly Payment $0.00 $0.00 $0.00

Account Balance $0.00 $0.00 $0.00

Last Reported 2/29/2020 2/20/2020 9/30/2020

Amount Past Due $0.00 $0.00 $0.00

Limit $0.00 $0.00 $0.00

Remarks - Closed -

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Responsibility Joint Account Joint Account Joint Account

Past Due - 30 Days 0 0 0

Past Due - 60 Days 0 0 0

Past Due - 90 Days 0 0 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian OK OK OK OK OK OK OK OK OK OK OK

Transunion OK OK OK OK OK OK OK OK OK OK

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 2

WELLS FARGO DEALER

Account WFDS WELLS FARGO DLR SVC/
SVC

Account Holder 517830XXXXXX 517830XXXXXX 517830XXXXXX

Account Type Installment Installment Installment

Account Condition Open Open Open

Date Opened 3/16/2018 3/16/2018 3/16/2018

High Balance $0.00 $24,812.00 $24,812.00

Monthly Payment $447.00 $447.00 $447.00

Account Balance $15,152.00 $15,152.00 $15,152.00

Last Reported 1/31/2021 1/31/2021 1/31/2021

Amount Past Due $0.00 $0.00 $0.00

Limit $0.00 $0.00 $0.00

Remarks - - -

Responsibility Individual Individual Account Individual Account

Past Due - 30 Days 0 0 0

Past Due - 60 Days 0 0 0

Past Due - 90 Days 0 0 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Transunion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

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OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 3

Account CAPITAL ONE AUTO FINAN CAP ONE AUTO CAPITAL ONE AUTO FIN

Account Holder 620515XXXXXXXXXXX 620515XXXXXXXXXXX 620515XXXXXXXXXXX

Account Type Installment Installment Installment

Account Condition Open Open Open

Date Opened 2/1/2020 2/1/2020 2/1/2020

High Balance $0.00 $24,380.00 $24,380.00

Monthly Payment $580.00 $580.00 $580.00

Account Balance $22,093.00 $22,093.00 $22,093.00

Last Reported 1/31/2021 1/31/2021 1/31/2021

Amount Past Due $0.00 $0.00 $0.00

Limit $0.00 $0.00 $0.00

Remarks - - Fixed Rate

Responsibility Joint Account Joint Account Joint Account

Past Due - 30 Days 0 0 0

Past Due - 60 Days 0 0 0

Past Due - 90 Days 0 0 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian OK OK OK OK OK OK OK OK OK OK OK OK

Transunion OK OK OK OK OK OK OK OK OK OK OK

Equifax NA NA NA NA NA NA NA NA NA NA OK OK OK OK OK OK OK OK OK OK OK

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 4

Account - - PERSIAN ACCEPTANCE C

Account Number - - 100101XXXXXXXXXXX

Account Type - - Installment

Account Condition - - Closed

Date Opened - - 1/30/2014

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High Balance - - $8,235.00

Monthly Payment - - $0.00

Account Balance - - $0.00

Last Reported - - 8/31/2015

Amount Past Due - - $0.00

Limit - - $0.00

Remarks - - Fixed Rate

Responsibility - - Individual Account

Past Due - 30 Days - - 0

Past Due - 60 Days - - 0

Past Due - 90 Days - - 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 5

Account - - PERSIAN ACCEPTANCE C

Account Number - - 100101XXXXXXXXXXX

Account Type - - Installment

Account Condition - - Closed

Date Opened - - 10/1/2015

High Balance - - $13,145.00

Monthly Payment - - $0.00

Account Balance - - $0.00

Last Reported - - 4/30/2018

Amount Past Due - - $0.00

Limit - - $0.00

Remarks - - Fixed Rate

Responsibility - - Individual Account

Past Due - 30 Days - - 0

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Past Due - 60 Days - - 0

Past Due - 90 Days - - 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 6

Account - - AUTO PORTFOLIO SERVI

Account Number - - 13XXXX

Account Type - - Installment

Account Condition - - Indeterminate

Date Opened - - 8/14/2012

High Balance - - $9,092.00

Monthly Payment - - $0.00

Account Balance - - $0.00

Last Reported - - 12/31/2012

Amount Past Due - - $0.00

Limit - - $0.00

Remarks - - -

Responsibility - - Individual Account

Past Due - 30 Days - - 0

Past Due - 60 Days - - 0

Past Due - 90 Days - - 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

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Open Accounts

Account 1

WELLS FARGO DEALER

Account WFDS WELLS FARGO DLR SVC/
SVC

Account Holder 517830XXXXXX 517830XXXXXX 517830XXXXXX

Account Type Installment Installment Installment

Account Condition Open Open Open

Date Opened 3/16/2018 3/16/2018 3/16/2018

High Balance $0.00 $24,812.00 $24,812.00

Monthly Payment $447.00 $447.00 $447.00

Account Balance $15,152.00 $15,152.00 $15,152.00

Last Reported 1/31/2021 1/31/2021 1/31/2021

Amount Past Due $0.00 $0.00 $0.00

Limit $0.00 $0.00 $0.00

Remarks - - -

Responsibility Individual Individual Account Individual Account

Past Due - 30 Days 0 0 0

Past Due - 60 Days 0 0 0

Past Due - 90 Days 0 0 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Transunion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 2

Account CAPITAL ONE AUTO FINAN CAP ONE AUTO CAPITAL ONE AUTO FIN

Account Holder 620515XXXXXXXXXXX 620515XXXXXXXXXXX 620515XXXXXXXXXXX

Account Type Installment Installment Installment

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Account Condition Open Open Open

Date Opened 2/1/2020 2/1/2020 2/1/2020

High Balance $0.00 $24,380.00 $24,380.00

Monthly Payment $580.00 $580.00 $580.00

Account Balance $22,093.00 $22,093.00 $22,093.00

Last Reported 1/31/2021 1/31/2021 1/31/2021

Amount Past Due $0.00 $0.00 $0.00

Limit $0.00 $0.00 $0.00

Remarks - - Fixed Rate

Responsibility Joint Account Joint Account Joint Account

Past Due - 30 Days 0 0 0

Past Due - 60 Days 0 0 0

Past Due - 90 Days 0 0 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian OK OK OK OK OK OK OK OK OK OK OK OK

Transunion OK OK OK OK OK OK OK OK OK OK OK

Equifax NA NA NA NA NA NA NA NA NA NA OK OK OK OK OK OK OK OK OK OK OK

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Collection Accounts

Account 1

Account T-MOBILE USA - -

Account Number 637450XX - -

Account Type Collection - -

Account Condition Collection - -

Date Opened 6/15/2020 - -

High Balance $0.00 - -

Monthly Payment $0.00 - -

Account Balance $1,451.00 - -

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Last Reported 2/6/2021 - -

Amount Past Due $0.00 - -

Limit $0.00 - -

Remarks - - -

Responsibility Individual - -

Past Due - 30 Days 0 - -

Past Due - 60 Days 0 - -

Past Due - 90 Days 0 - -

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian NA NA NA NA NA NA NA

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 2

Account COMCAST CABLE - -

Account Number 730200XX - -

Account Type Collection - -

Account Condition Collection - -

Date Opened 11/23/2020 - -

High Balance $0.00 - -

Monthly Payment $0.00 - -

Account Balance $487.00 - -

Last Reported 2/5/2021 - -

Amount Past Due $0.00 - -

Limit $0.00 - -

Remarks - - -

Responsibility Individual - -

Past Due - 30 Days 0 - -

Past Due - 60 Days 0 - -

Past Due - 90 Days 0 - -

Past 24 months

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A M J J A S O N D J F M A M J J A S O N D J F M

Experian NA

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 3

Account T-MOBILE USA - -

Account Number 965422XX - -

Account Type Collection - -

Account Condition Collection - -

Date Opened 11/4/2020 - -

High Balance $0.00 - -

Monthly Payment $0.00 - -

Account Balance $414.00 - -

Last Reported 2/27/2021 - -

Amount Past Due $0.00 - -

Limit $0.00 - -

Remarks - - -

Responsibility Individual - -

Past Due - 30 Days 0 - -

Past Due - 60 Days 0 - -

Past Due - 90 Days 0 - -

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian NA NA NA

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 4

Account - COLLECTION -

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Account Number - 730200XX -

Account Type - Collection -

Account Condition - Collection -

Date Opened - 11/23/2020 -

High Balance - $0.00 -

Monthly Payment - $0.00 -

Account Balance - $487.00 -

Last Reported - 2/5/2021 -

Amount Past Due - $0.00 -

Limit - $0.00 -

Remarks - Placed For Collection -

Responsibility - Individual Account -

Past Due - 30 Days - 0 -

Past Due - 60 Days - 0 -

Past Due - 90 Days - 0 -

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 5

Account - COLLECTION -

Account Number - 444796XXXXXXXXXX -

Account Type - Collection -

Account Condition - Collection -

Date Opened - 3/18/2020 -

High Balance - $0.00 -

Monthly Payment - $0.00 -

Account Balance - $1,038.00 -

Last Reported - 2/3/2021 -

Amount Past Due - $0.00 -

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Limit - $0.00 -

Remarks - Placed For Collection -

Responsibility - Individual Account -

Past Due - 30 Days - 0 -

Past Due - 60 Days - 0 -

Past Due - 90 Days - 0 -

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 6

Account - - COMCAST CABLE

Account Number - - 730200XX

Account Type - - Collection

Account Condition - - Collection

Date Opened - - 11/23/2020

High Balance - - $0.00

Monthly Payment - - $0.00

Account Balance - - $487.00

Last Reported - - N/A

Amount Past Due - - $0.00

Limit - - $0.00

Remarks - - -

Responsibility - - Individual Account

Past Due - 30 Days - - 0

Past Due - 60 Days - - 0

Past Due - 90 Days - - 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian

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Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 7

Account - - T MOBILE USA

Account Number - - 965422XX

Account Type - - Collection

Account Condition - - Collection

Date Opened - - 11/4/2020

High Balance - - $0.00

Monthly Payment - - $0.00

Account Balance - - $414.00

Last Reported - - N/A

Amount Past Due - - $0.00

Limit - - $0.00

Remarks - - -

Responsibility - - Individual Account

Past Due - 30 Days - - 0

Past Due - 60 Days - - 0

Past Due - 90 Days - - 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Other Accounts

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Account 1

Account CREDIT ONE BANK N.A. - LVNV FUNDING LLC

Account Holder 444796XXXXXXXXXX - 444796XXXXXXXXXX

Account Type Collection - Collection

Account Condition Collection - Collection

Date Opened 3/18/2020 - 3/18/2020

High Balance $0.00 - $1,038.00

Monthly Payment $0.00 - $0.00

Account Balance $1,038.00 - $1,038.00

Last Reported 2/3/2021 - 2/3/2021

Amount Past Due $0.00 - $0.00

Limit $0.00 - $0.00

Remarks - - Collection Account

Responsibility Individual - Individual Account

Past Due - 30 Days 0 - 0

Past Due - 60 Days 0 - 0

Past Due - 90 Days 0 - 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian NA NA NA NA NA NA NA NA NA

Transunion

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Derogatory Information

Account 1

Account CREDIT ONE BANK N.A. - LVNV FUNDING LLC

Account Holder 444796XXXXXXXXXX - 444796XXXXXXXXXX

Account Type Collection - Collection

Account Condition Collection - Collection

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Date Opened 3/18/2020 - 3/18/2020

High Balance $0.00 - $1,038.00

Monthly Payment $0.00 - $0.00

Account Balance $1,038.00 - $1,038.00

Last Reported 2/3/2021 - 2/3/2021

Amount Past Due $0.00 - $0.00

Limit $0.00 - $0.00

Remarks - - Collection Account

Responsibility Individual - Individual Account

Past Due - 30 Days 0 - 0

Past Due - 60 Days 0 - 0

Past Due - 90 Days 0 - 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian NA NA NA NA NA NA NA NA NA

Transunion

Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 2

Account T-MOBILE USA - -

Account Number 637450XX - -

Account Type Collection - -

Account Condition Collection - -

Date Opened 6/15/2020 - -

High Balance $0.00 - -

Monthly Payment $0.00 - -

Account Balance $1,451.00 - -

Last Reported 2/6/2021 - -

Amount Past Due $0.00 - -

Limit $0.00 - -

Remarks - - -

Responsibility Individual - -

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Past Due - 30 Days 0 - -

Past Due - 60 Days 0 - -

Past Due - 90 Days 0 - -

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian NA NA NA NA NA NA NA

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 3

Account COMCAST CABLE - -

Account Number 730200XX - -

Account Type Collection - -

Account Condition Collection - -

Date Opened 11/23/2020 - -

High Balance $0.00 - -

Monthly Payment $0.00 - -

Account Balance $487.00 - -

Last Reported 2/5/2021 - -

Amount Past Due $0.00 - -

Limit $0.00 - -

Remarks - - -

Responsibility Individual - -

Past Due - 30 Days 0 - -

Past Due - 60 Days 0 - -

Past Due - 90 Days 0 - -

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian NA

Transunion

Equifax

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OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 4

Account T-MOBILE USA - -

Account Number 965422XX - -

Account Type Collection - -

Account Condition Collection - -

Date Opened 11/4/2020 - -

High Balance $0.00 - -

Monthly Payment $0.00 - -

Account Balance $414.00 - -

Last Reported 2/27/2021 - -

Amount Past Due $0.00 - -

Limit $0.00 - -

Remarks - - -

Responsibility Individual - -

Past Due - 30 Days 0 - -

Past Due - 60 Days 0 - -

Past Due - 90 Days 0 - -

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian NA NA NA

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 5

Account - - COMCAST CABLE

Account Number - - 730200XX

Account Type - - Collection

Account Condition - - Collection

Date Opened - - 11/23/2020

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High Balance - - $0.00

Monthly Payment - - $0.00

Account Balance - - $487.00

Last Reported - - N/A

Amount Past Due - - $0.00

Limit - - $0.00

Remarks - - -

Responsibility - - Individual Account

Past Due - 30 Days - - 0

Past Due - 60 Days - - 0

Past Due - 90 Days - - 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Account 6

Account - - T MOBILE USA

Account Number - - 965422XX

Account Type - - Collection

Account Condition - - Collection

Date Opened - - 11/4/2020

High Balance - - $0.00

Monthly Payment - - $0.00

Account Balance - - $414.00

Last Reported - - N/A

Amount Past Due - - $0.00

Limit - - $0.00

Remarks - - -

Responsibility - - Individual Account

Past Due - 30 Days - - 0

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Past Due - 60 Days - - 0

Past Due - 90 Days - - 0

Past 24 months

A M J J A S O N D J F M A M J J A S O N D J F M

Experian

Transunion

Equifax

OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days
Late
180 180 Days Late PP Payment Plan RF Reposession CO Collection NG Negative NA Not Available
Foreclosure Charge Off

Public Records

No Public Records Available.

Creditor Contact Information

Creditor 1

Creditor Name - - CAPITAL ONE BANK USA

15000 Capital One Drive Po#

Creditor Address - - Us364401
Richmond VA 23238

Creditor Phone - - Mail Only

Creditor 2

Creditor Name - - AT&T SERVICES, INC.-

17330 Preston Rd Suite 100a

Creditor Address - -
Dallas TX 75252

Creditor Phone - - (800) 288-2020

Creditor 3

Creditor Name - - CAPITAL ONE BANK USA

15000 Capital One Drive Po#

Creditor Address - - Us364401
Richmond VA 23238

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Creditor Phone - - Mail Only

Creditor 4

Creditor Name - - CAPITAL ONE

15000 Capital One Drive Po#

Creditor Address - - Usbnk475734
Richmond VA 23238

Creditor Phone - - Mail Only

Creditor 5

Creditor Name BIRCHWOOD CREDIT SERVI - -

2617 White Mountain Hwy

Creditor Address - -
North Conway NH 03860

Creditor Phone (800) 910-0015 - -

Creditor 6

Creditor Name CAP ONE NA - -

Po Box 30281
Creditor Address - -
Salt Lake City UT 84130

Creditor Phone (800) 227-4825 - -

Creditor 7

Creditor Name JPMCB CARD - -

Po Box 15369
Creditor Address - -
Wilmington DE 19850

Creditor Phone (800) 945-2000 - -

Creditor 8

Creditor Name CITI CARDS CBNA - -

Po Box 6000
Creditor Address - -
Sioux Falls SD 57117

Creditor Phone Bymailonly - -

Creditor 9

Creditor Name AMEX - -

Po Box 981537
Creditor Address - -
El Paso TX 79998

Creditor Phone (800) 874-2717 - -

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Creditor 10

Creditor Name CAP ONE NA - -

Po Box 30281
Creditor Address - -
Salt Lake City UT 84130

Creditor Phone (800) 227-4825 - -

Creditor 11

Creditor Name CAPITAL ONE AUTO FIN - -

Po Box 259407
Creditor Address - -
Plano TX 75025

Creditor Phone (800) 946-0332 - -

Creditor 12

Creditor Name WFDS - -

15750 Alton Pkwy

Creditor Address - -
Irvine CA 92618

Creditor Phone (949) 754-7911 - -

Creditor 13

SANTANDER CONSUMER
Creditor Name - -
USA

8585 N Stemmoms Fwy

Creditor Address - -
Dallas TX 75247

Creditor Phone (866) 923-9282 - -

Creditor 14

NCC/PROMAX/SONIAS
Creditor Name - -
AUTO

160 Southbridge St
Creditor Address - -
Worcester MA 01608

Creditor Phone (508) 581-2202 - -

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