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Your credit is in poor shape

Report date: Jun 24, 2024

511 113

Your credit rating

POOR
300 850
VantageScore® 3.0

Personal info

Reported names Charlette Carpenter Addresses Date reported

Char Carpenter
27006 Alabastro Dr, Valencia, CA, 91354 Feb 14, 2005

DOB 1985-05-16
3407 Club Rancho Dr, Palmdale, CA, 93551 Sep 21, 2023

SSN XXX-XX-XXXX
13520 Cerise Av, Hawthorne, CA, 90250
Employment info Capitol Income

Account summary

Balances Payments Open accounts Closed accounts

$477 $0 0 1

Total accounts 1 Collections 0

Open accounts 0 Balances $477

Closed accounts 1 Payments $0

Delinquent 0 Public records 0

Derogatory 1 Inquiries (2 years) 4

Hide All Summary

Accounts
We gathered all of the accounts listed on your TransUnion report for you (this info may differ from
the other credit bureaus). Select an account for more details.

1 0 0 0 0
Credit cards Real estate Auto loans Student loans Other

Credit cards

CAP1/WMT $477.00
Reported: Jun 18, 2024 Closed

Overview Account details

You’re currently using 159% of your account's limit.

Account Number 60322000XXXX

Account Status Charge Off

Balance: $477.00 Credit limit: $300.00
 Open Date Jul 30, 2023

Payment history Last Activity Oct 9, 2023

No history is available.
Type Charge Account

Monthly Payment Amount $0.00 Responsibility Individual

Current Payment Status Collection/Charge-off Remarks Account Closed By Credit Grantor

Amount Past Due $477.00 Times 30/60/90 Days Late 0/0/0

Months Reviewed 0

Term Source Type

High Balance $477.00

High Credit $300.00

Creditor information

CAP1/WMT
PO BOX 31293
SALT LAKE CITY, UT 84131
(800) 955-7070

Account ID:

3ed26e0e2179279c2de777c231296e60

Hard inquiries
Here are the latest hard inquiries on your TransUnion report. These usually get added when you apply for new credit and stay on your credit report for up to
two years; and often impacts your credit score for a year.

FEB/DESTINY
Mar 17, 2024
Banking

CAPITAL ONE
Jul 30, 2023
Banking

TARGET/TD
Jun 30, 2023
Department And Mail Order

FIRST PREMIE
Jun 26, 2023
Banking

Collections
It’s important that you try your best not to fall behind on payments so your account doesn’t get passed on to a collections agency. This usually drops your
credit score significantly.

Clean slate!
You have no collection accounts on your report.

Public records
Things that can show up on a background check can also show up on your credit report, including bankruptcies.

Clean slate!
You have no public records on your report.

Creditors
A creditor is a term used to describe an entity that is owed money. The below is a list and contact information for the creditors handling your debt.

Creditor name Address Phone number

CAP1/WMT PO BOX 31293, SALT LAKE CITY, UT 84131 (800) 955-7070