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CREDIT REPORT
LEYSVEL SALCEDO
Report Confirmation
9528275291
1. Summary
Review this summary for a quick view of key information contained in your Equifax Credit Report.
Report Date Jan 28, 2019
Credit File Status No fraud indicator on file
Alert Contacts 0 Records Found
Average Account Age 9 Years, 4 Months
Length of Credit History 23 Years, 9 Months
Accounts with Negative Information 18
Oldest Account MACY'S/DSNB (Opened Apr 11, 1995)
Most Recent Account COMENITYBANK/WILLIAMSSONOMAVS (Opened Oct 08, 2018)
Credit Accounts
Your credit report includes information about activity on your credit accounts that may affect your credit score and rating.
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment
Revolving 19 12 $38,569 $69,786 $108,355 36.0% $867
Mortgage 2 2 $275,829 $141,071 $416,900 66.0% $2,822
Installment 7 7 $6,577 $32,503 $39,080 17.0% $402
Other
Total 28 21 $320,975 $243,360 $564,335 57.0% $4,091
Other Items
Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may
affect your credit score and rating.
Consumer Statements 0 Statements Found
Personal Information 4 Items Found
Inquiries 29 Inquiries Found
Most Recent Inquiry SHELL/CITIBANK NAJan 09, 2019
Public Records 0 Records Found
Collections 0 Collections Found
LEYSVEL SALCEDO | Jan 28, 2019 Page 2 of 206

2. Revolving Accounts
Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards.
2.1 SYNCB/SYNCHRONY MASTERCARD
Summary
Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.
Account Number Reported Balance $0
Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%
Available Credit $1,800
Account History
The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.
Balance
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2017 $37 $121 $44 $308 $254
2018 $263 $98 $17 $0
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $37 $21 $35 $33 $38
2018 $47 $38 $17
2019

Actual Payment
2017 $104 $60
2018 $35 $160
2019
High Credit
2017 $264 $264 $264 $308 $308
2018 $308 $308 $308 $308
2019
Credit Limit
2017 $1,800 $1,800 $1,800 $1,800 $1,800
2018 $1,800 $1,800 $1,800 $1,800
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a
payment was past due; the letters indicate other account events, such as bankruptcy or collections.

2018
2017
2016
Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available
Account Details
View detailed information about this account. Contact the creditor or lender if you have any questions about it.
High Credit $308 Owner INDIVIDUAL
Credit Limit $1,800 Account Type REVOLVING
Terms Frequency MONTHLY Term Duration 0
Balance $0 Date Opened Aug 24, 2016
Amount Past Due Date Reported Jan 24, 2019
Actual Payment Amount Date of Last Payment Jun 01, 2018
Date of Last Activity Scheduled Payment Amount
Months Reviewed 29 Delinquency First Reported
Activity Designator Creditor Classification UNKNOWN
Deferred Payment Start Date Charge Off Amount
Balloon Payment Date Balloon Payment Amount
Loan Type Credit Card Date Closed
Date of First Delinquency
Comments Contact
SYNCB/SYNCHRONY MASTERCARD
4125 WINDWARD PLAZA
ALPHARETTA, GA 30005
1-844-406-7427

2.2 SYNCB/TJX CO DC
Summary
Account History
Balance
2017
2018 $167
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017
2018 $31
2019
Actual Payment

2017
2018
2019
High Credit
2017
2018 $224
2019
Credit Limit
2017
2018 $2,400
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

Account Details
Actual Payment Amount $156 Date of Last Payment Jan 01, 2019
Date of Last Activity Scheduled Payment Amount $35
Comments Contact
SYNCB/TJX CO DC
4125 WINDWARD PLAZA
1-877-890-3150

2.3 CITICARDS CBNA
Summary
Account Number Reported Balance $6,522
Account History
Balance
2017
2018 $4,741 $4,915
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017
2018 $71 $73
2019
Actual Payment

2017
2018
2019
High Credit
2017
2018 $4,925 $4,925
2019
Credit Limit
2017
2018 $10,300 $10,300
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

Account Details
High Credit $7,040 Owner INDIVIDUAL
Balance $6,522 Date Opened Jul 09, 2018
Actual Payment Amount Date of Last Payment Jan 01, 2019
Comments Contact
CITICARDS CBNA
701 E 60TH ST N
IBS CDV DISPUTES
SIOUX FALLS, SD 57104

2.4 BARCLAYS BANK DELAWARE
Summary
Account History
Balance
2017 $6,398 $4,864 $8,561 $14,031 $10,357 $10,173 $12,653 $5,781 $3,681 $5,910 $8,023 $13,126
2018 $13,677 $1,512 $3,146 $7,885 $8,739 $8,887 $9,502 $2,400 $3,430 $454 $767
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $130 $56 $163 $328 $340 $302 $347 $214 $66 $139 $205 $317
2018 $378 $117 $80 $157 $232 $250 $258 $138 $117 $25 $25
2019
Actual Payment

2017 $1,330 $5,130 $330 $2,925 $6,130 $3,530 $130 $6,771 $5,990 $633 $339 $339
2018 $339 $12,849 $339 $1,339 $339 $574 $339 $8,054 $3,427 $204
2019
High Credit
2017 $7,545 $7,545 $8,604 $14,031 $14,951 $14,951 $14,951 $14,951 $14,951 $14,951 $14,951 $14,951
2018 $14,951 $14,951 $14,951 $14,951 $14,951 $14,951 $14,951 $14,951 $14,951 $14,951 $14,951
2019
Credit Limit
2017 $10,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000
2018 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

2017
2016
2015
Account Details
High Credit $14,951 Owner UNDESIGNATED
Balance $683 Date Opened Jun 23, 2015
Loan Type Flexible Spending Credit Card Date Closed
Comments Contact
BARCLAYS BANK DELAWARE

PO BOX 8803
ATT: CREDIT BUREAU
WILMINGTON, DE 19899
1-888-232-0780

2.5 BANK OF AMERICA
Summary
Account History
Balance
2017
2018 $124 $324 $1,005 $1,113 $689 $941 $1,033 $963
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017
2018 $25 $25 $50 $27 $25 $25 $25 $27
2019
Actual Payment

2017
2018
2019
High Credit
2017
2018 $228 $708 $1,364 $1,508 $1,508 $1,508 $1,508 $1,508
2019
Credit Limit
2017
2018 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

Account Details
Balance $721 Date Opened Mar 22, 2018
Comments Contact
BANK OF AMERICA
4060 OGLETOWN/STANTON RD
DE5-019-03-07
NEWARK, DE 19713
1-800-421-2110

2.6 COMENITYBANK/WILLIAMSSONOMAVS
Summary
Account History
Balance
2017
2018 $186 $158
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017
2018 $30 $30
2019
Actual Payment

2017
2018 $30 $30
2019
High Credit
2017
2018 $213 $213
2019
Credit Limit
2017
2018 $10,000 $10,000
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

Account Details
Balance $267 Date Opened Oct 08, 2018
Comments Contact
COMENITYBANK/WILLIAMSSONOMAVS
PO BOX 182789
COLUMBUS, OH 43218

2.7 SYNCB/LOWES
Summary
Account History
Balance
2017 $189 $51 $144 $1,317 $1,169 $1,320 $1,418 $1,730
2018 $1,766 $1,566 $2,142 $1,743 $1,368 $52 $292 $13
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $25 $25 $25 $40 $40 $43 $39 $36
2018 $25 $25 $25 $43 $35 $25 $25 $25
2019
Actual Payment

2017 $259 $139 $100 $100 $200 $50 $150 $150
2018 $150 $200 $150 $515 $450 $1,450 $200 $150
2019
High Credit
2017 $847 $847 $847 $1,317 $1,341 $1,341 $1,418 $1,730
2018 $2,798 $2,798 $2,798 $2,798 $2,798 $2,798 $2,798 $2,798
2019
Credit Limit
2017 $3,000 $3,000 $3,000 $4,000 $4,000 $5,100 $5,100 $5,100
2018 $5,100 $6,600 $6,600 $6,600 $6,600 $6,600 $7,700 $7,700
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Comments 1
Date Comment
05/2018 Consumer disputes this account information
Payment History

2018
2017
2016
2015
2014
2013
Account Details
Balance $0 Date Opened Dec 22, 2013
Loan Type Charge Account Date Closed

Comments Contact
SYNCB/LOWES
4125 WINDWARD PLAZA

2.8 SHELL/CBNA
Summary
Available Credit $250
Account History
Balance
2017 $0 $0 $0 $0 $0 $0 $18 $0 $0 $0
2018 $18 $172 $25 $9 $28
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $18
2018 $18 $27 $25 $9 $27
2019
Actual Payment

2017
2018
2019
High Credit
2017 $288 $288 $288 $288 $288 $288 $288 $288 $288 $288
2018 $288 $288 $288 $288 $288
2019
Credit Limit
2017 $250 $250 $250 $250 $250 $250 $250 $250 $250 $250
2018 $250 $250 $250 $250 $250
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

2017
2016
2015
2014 30
2013
Account Details
Credit Limit $250 Account Type REVOLVING
Balance $5 Date Opened Nov 26, 2013
Comments Contact
SHELL/CBNA
PO BOX 6497
CITIBANK CREDIT BUREAU DISPUTE
SIOUX FALLS, SD 57117-6497

2.9 COMENITYCAPITAL/BALLARD
Summary
Account History
Balance
2017 $0 $103 $232
2018 $209 $0
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $27 $27
2018 $27
2019
Actual Payment

2017 $50
2018 $60 $209
2019
High Credit
2017 $308 $308 $308
2018 $308 $534
2019
Credit Limit
2017 $10,000 $10,000 $10,000
2018 $10,000 $10,000
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

2017
2016
Account Details
Comments Contact
COMENITYCAPITAL/BALLARD
PO BOX 182120
COLUMBUS, OH 43218

2.10 COMENITYCAPITAL/GRANDINRD
Summary
Account History
Balance
2017
2018 $543 $416
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017
2018 $30 $27
2019
Actual Payment

2017
2018 $40 $100
2019
High Credit
2017
2018 $556 $556
2019
Credit Limit
2017
2018 $3,000 $3,000
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

Account Details
Balance $341 Date Opened Sep 18, 2018
Actual Payment Amount $75 Date of Last Payment Dec 01, 2018
Comments Contact
COMENITYCAPITAL/GRANDINRD
PO BOX 182120
COLUMBUS, OH 43218

2.11 BANK OF AMERICA
Summary
Payment History
2018
2017
2016
2015
2014
Account Details

Balance $9,672 Date Opened Feb 06, 2014
Comments Contact
BANK OF AMERICA
DE5-019-03-07
NEWARK, DE 19713
1-800-421-2110

2.12 TD BANK USA/TARGET CREDIT (CLOSED)
Summary
Account Status CHARGE_OFF Debt-to-Credit Ratio 0%
Payment History
2018 CO CO CO CO CO CO CO CO CO CO CO CO
2014 30 60 90 120 120
2013
Account Details
High Credit Owner INDIVIDUAL

Actual Payment Amount Date of Last Payment Mar 01, 2015
Activity Designator PAID Creditor Classification UNKNOWN
Deferred Payment Start Date Charge Off Amount $3,543
Loan Type Credit Card Date Closed Sep 01, 2014
Date of First Delinquency Mar 01, 2014
Comments Contact
Account paid for less than full balance TD BANK USA/TARGET CREDIT
7000 TARGET PARKWAY N,
Paid charge off
MAIL STOP NCD-0450
BROOKLYN PARK, MN 55445-4301

2.13 BEST BUY/CBNA (CLOSED)
Summary
Payment History
2018
2017
2016
2015
2014
2013
2012
Account Details

Balance $0 Date Opened Feb 01, 2011
Actual Payment Amount Date of Last Payment Sep 01, 2013
Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN
Loan Type Charge Account Date Closed Jan 01, 2014
Comments Contact
Account closed at consumer’s request BEST BUY/CBNA

701 EAST 60TH STREET

2.14 BANK OF AMERICA
Summary
Payment History
2018
2017
2016
2015
Account Details
Balance $15,189 Date Opened Nov 28, 2015

Comments Contact
BANK OF AMERICA
DE5-019-03-07
NEWARK, DE 19713
1-800-421-2110

2.15 MACY'S/DSNB (CLOSED)
Summary
Payment History
2017 CO CO CO CO CO CO CO CO CO
2016 CO CO CO CO CO
2015 CO
2014 30 60 90 120 120
2013
2012
Account Details

Balance $0 Date Opened Apr 11, 1995
Actual Payment Amount Date of Last Payment May 01, 2016
Loan Type Charge Account Date Closed Apr 01, 2014
Date of First Delinquency Aug 01, 2012
Comments Contact
Account paid for less than full balance MACY'S/DSNB

911 DUKE BLVD
Paid charge off
MASON, OH 45040
1-800-243-6552

2.16 BLOOMINGDALES (CLOSED)
Summary
Payment History
2016 CO CO
2015 CO
2014 30 60 90 120 120
2013
2012
Account Details

Actual Payment Amount Date of Last Payment Feb 01, 2016
Comments Contact
Account paid for less than full balance BLOOMINGDALES

911 DUKE BLVD
Paid charge off
MASON, OH 45040
1-800-243-6552

2.17 CAPITAL ONE / SAKS FIFTH AVE
Summary
Account History
Balance
2017
2018
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017
2018
2019
Actual Payment

2017
2018
2019
High Credit
2017
2018
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

2017
2016
2015
2014 30
2013
2012
Account Details
Balance $0 Date Opened Mar 28, 2004
Comments Contact
CAPITAL ONE / SAKS FIFTH AVE

3455 HWY 80 WEST
JACKSON, MS 39209
1-800-221-8340

2.18 COMENITY BANK/ANNTYLR
Summary
Account History
Balance
2017
2018 $0
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017
2018
2019
Actual Payment

2017
2018 $89
2019
High Credit
2017
2018 $1,240
2019
Credit Limit
2017
2018 $500
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

2017
2016
2015
2014 30
2013
Account Details
Actual Payment Amount $89 Date of Last Payment Oct 01, 2018
Comments Contact
COMENITY BANK/ANNTYLR
PO BOX 182789
COLUMBUS, OH 43218

2.19 CAPITAL ONE / NEIMAN MARCUS
Summary
Account History
Balance
2017
2018
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017
2018
2019
Actual Payment

2017
2018
2019
High Credit
2017
2018
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

2017
2016
2015
2014
2013
2012
Account Details
Actual Payment Amount Date of Last Payment
Comments Contact
CAPITAL ONE / NEIMAN MARCUS

PO BOX 5253
CAROL STREAM, IL 60197
1-800-685-6695

2.20 COMENITYBANK/WAYFAIR
Summary
Account History
Balance
2017
2018 $2,051 $1,957 $2,193 $2,104 $2,782 $2,188 $1,606 $2,448 $2,300
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017
2018 $72 $69 $78 $75 $107 $82 $58 $90 $85
2019
Actual Payment

2017
2018 $50 $100 $120 $100 $150 $450 $200 $250 $150
2019
High Credit
2017
2018 $2,096 $2,096 $2,303 $2,303 $2,915 $2,915 $2,915 $2,915 $2,915
2019
Credit Limit
2017
2018 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

2017
Account Details
Balance $2,067 Date Opened Oct 24, 2017
Amount Past Due Date Reported Dec 29, 2018
Comments Contact
COMENITYBANK/WAYFAIR
PO BOX 182789
COLUMBUS, OH 43218

2.21 COMENITYCAPITAL/IKEAVISACARD
Summary
Account History
Balance
2017
2018 $2,586
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017
2018 $66
2019
Actual Payment

2017
2018
2019
High Credit
2017
2018 $2,586
2019
Credit Limit
2017
2018 $7,500
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

Account Details
Actual Payment Amount $100 Date of Last Payment Nov 01, 2018
Comments Contact
COMENITYCAPITAL/IKEAVISACARD
PO BOX 182120
COLUMBUS, OH 43218

2.22 THD/CBNA
Summary
Account History
Balance
2017 $603 $369 $329 $801 $661 $561 $461 $411 $639 $543
2018 $697 $306 $74 $0 $0 $0
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $25 $25 $25 $25 $25 $25 $25 $25 $25 $25
2018 $25 $25 $25
2019
Actual Payment

2017
2018
2019
High Credit
2017 $1,754 $1,754 $1,754 $1,754 $1,754 $1,754 $1,754 $1,754 $1,754 $1,754
2018 $1,754 $1,754 $1,754 $1,754 $1,754 $1,754
2019
Credit Limit
2017 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500
2018 $500 $500 $500 $500 $500 $500
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

2017
2016
2015
2014
2013
2012
Account Details
Comments Contact
THD/CBNA
ONE COURT SQUARE
LONG ISLAND CITY, NY 11120

2.23 NORDSTROM/TD BANK
Summary
Account History
Balance
2017
2018
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017
2018
2019
Actual Payment

2017
2018
2019
High Credit
2017
2018
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Payment History
2018

2017
2016
2015
2014
2013
2012
Account Details
Balance $0 Date Opened Jul 31, 2005
Comments Contact
NORDSTROM/TD BANK
13531 E CALEY AV
SERVICE
ENGLEWOOD, CO 80111
1-800-964-0006

2.24 COMENITYCAPITAL/ZALES (CLOSED)
Summary
Payment History
2018
2017
2016
2015
2014
2013
2012
Account Details

Amount Past Due Date Reported Nov 10, 2018
Actual Payment Amount Date of Last Payment Dec 01, 2014
Loan Type Charge Account Date Closed Nov 01, 2018
Comments Contact
Payment is payroll deductible COMENITYCAPITAL/ZALES

PO BOX 182120
COLUMBUS, OH 43218

2.25 SEARS/CBNA (CLOSED)
Summary
Payment History
2018
2017
2016
2015
2014
2013
2012
Account Details

Amount Past Due Date Reported Oct 25, 2018
Loan Type Credit Card Date Closed Feb 01, 2013
Comments Contact
Account closed at consumer’s request SEARS/CBNA

PO BOX 6497

2.26 COMENITYBANK/JCREW (CLOSED)
Summary
Payment History
2018
2017
2016
2015
2014
2013
2012
2011
Account Details

Amount Past Due Date Reported Apr 21, 2018
Comments Contact
Payment is payroll deductible COMENITYBANK/JCREW

PO BOX 182789
ATTN: CUSTOMER SERVICE
COLUMBUS, OH 43218

2.27 SYNCB/JC PENNEYS (CLOSED)
Summary
Account Number xxxxxxxxxxxx 0243 Reported Balance
Account Status LOST_OR_STOLEN_CARD Debt-to-Credit Ratio N/A
Available Credit
Payment History
You currently do not have any Payment History in your file.
Account Details
High Credit Owner UNDESIGNATED
Credit Limit Account Type REVOLVING
Terms Frequency UNKNOWN Term Duration 0
Balance Date Opened Dec 10, 2000
Amount Past Due Date Reported Feb 19, 2018
Activity Designator LOST_OR_STOLEN Creditor Classification UNKNOWN

Comments Contact
SYNCB/JC PENNEYS
4125 WINDWARD PLAZA

2.28 CHASE CARD (CLOSED)
Summary
Payment History
2017
2016
2014 30 60 90 120 120 120
2013
2012
Account Details

Amount Past Due Date Reported Jul 01, 2017
Months Reviewed 64 Delinquency First Reported Oct 01, 2014
Activity Designator CLOSED Creditor Classification UNKNOWN
Comments Contact
Account closed at consumer’s request CHASE CARD

301 N WALNUT ST, FLOOR 09
WILMINGTON, DE 19801-3935
1-800-945-2000

2.29 SYNCB/CHEVRON PLCC (CLOSED)
Summary
Account Status PAYS_AS_AGREED Debt-to-Credit Ratio N/A
Available Credit
Payment History
Account Details
Amount Past Due Date Reported May 18, 2017
Loan Type Charge Account Date Closed Mar 01, 2008

Comments Contact
SYNCB/CHEVRON PLCC
4125 WINDWARD PLAZA

2.30 SYNCB/LOWES (CLOSED)
Summary
Account Status PAYS_AS_AGREED Debt-to-Credit Ratio N/A
Available Credit
Payment History
Account Details
Loan Type Charge Account Date Closed Oct 01, 2006

Comments Contact
SYNCB/LOWES
4125 WINDWARD PLAZA

2.31 BARCLAYS BANK DELAWARE (CLOSED)
Summary
Payment History
2017
2016 CO CO CO CO CO CO CO CO
2014 30 60 90 120 120 120 120 CO CO CO
2013
2012
2011
2010
Account Details

Actual Payment Amount Date of Last Payment Aug 01, 2016
Date of Last Activity Scheduled Payment Amount $4,771
Comments Contact
Account paid for less than full balance BARCLAYS BANK DELAWARE
PO BOX 8803
Paid charge off
ATT: CREDIT BUREAU
Customer has now located consumer WILMINGTON, DE 19899
1-888-232-0780

2.32 SYNCB/SLEEPYS (CLOSED)
Summary
Payment History
Account Details

Comments Contact
Account closed at consumer’s request SYNCB/SLEEPYS

C/O P.O. BOX 965036
ORLANDO, FL 32896-5036
1-866-396-8254

2.33 CITICARDS CBNA (CLOSED)
Summary
Payment History
2016
2015
2014
2013
2012
2011
2010
2009
Account Details

Amount Past Due Date Reported Sep 21, 2016
Loan Type Flexible Spending Credit Card Date Closed Jun 01, 2016
Comments Contact
Account closed due to inactivity CITICARDS CBNA

701 E 60TH ST N
IBS CDV DISPUTES
1-800-950-5114

2.34 SYNCB/ROOMS TO GO (CLOSED)
Summary
Payment History
Account Details
Loan Type Charge Account Date Closed Sep 01, 2011

Comments Contact
SYNCB/ROOMS TO GO
C/O P.O. BOX 965036
1-866-396-8245

2.35 SYNCB/CR JEWELERS (CLOSED)
Summary
Payment History
Account Details
Loan Type Charge Account Date Closed Nov 01, 2008

Comments Contact
Payment is payroll deductible SYNCB/CR JEWELERS

C/O P.O. BOX 965036
1-866-396-8254

2.36 SYNCB/JC PENNEYS (CLOSED)
Summary
Available Credit
Payment History
Account Details
Amount Past Due Date Reported Jun 21, 2016
Loan Type Charge Account Date Closed Jan 01, 2009

Comments Contact
SYNCB/JC PENNEYS
4125 WINDWARD PLAZA

2.37 DISCOVER BANK (CLOSED)
Summary
Payment History
2016 CO CO CO
2014 30 60 90 120 120 120
2013
2012
2011
2010
2009
Account Details

Date of First Delinquency Oct 01, 2013
Comments Contact
Account paid for less than full balance DISCOVER BANK

PO BOX15316
Charged off account
ATT:CMS/PROD DEVELOP
1-800-347-2683

2.38 SYNCB/GAP DC (CLOSED)
Summary
Payment History
2015
2014
2013
2012
Account Details

Loan Type Credit Card Date Closed Jul 01, 2014
Comments Contact
Payment is payroll deductible SYNCB/GAP DC

4125 WINDWARD PLAZA

2.39 SYNCB/GAP DC (CLOSED)
Summary
Payment History
Account Details
Loan Type Credit Card Date Closed Sep 01, 2011

Comments Contact
Account closed at consumer’s request SYNCB/GAP DC

4125 WINDWARD PLAZA

2.40 SYNCB/BANANA REPUBLIC (CLOSED)
Summary
Payment History
2015
2014
2013
2012
2011
2010
2009
Account Details

Loan Type Charge Account Date Closed Jun 01, 2014
Comments Contact
Payment is payroll deductible SYNCB/BANANA REPUBLIC

4125 WINDWARD PLAZA

2.41 CAPITAL ONE BANK USA NA (CLOSED)
Summary
Payment History
2015
2014
2013
2012
2011
2010
2009
Account Details
High Credit $438 Owner UNDESIGNATED

Actual Payment Amount Date of Last Payment Nov 01, 2015
Loan Type Credit Card Date Closed Nov 01, 2015
Comments Contact
Account closed at consumer’s request CAPITAL ONE BANK USA NA

PO BOX 85015
RICHMOND, VA 23285-5075
1-800-955-7070

Summary
Payment History
2015
2014 30 60 90 120 120 CO
2013
2012
2011
2010
2009
Account Details

Amount Past Due Date Reported Nov 16, 2015
Actual Payment Amount $40 Date of Last Payment May 01, 2015
Months Reviewed 99 Delinquency First Reported Jan 01, 2015
Date of First Delinquency May 01, 2014
Comments Contact
PO BOX 8803
Paid charge off
ATT: CREDIT BUREAU
1-888-232-0780

2.43 MACY'S/DSNB (CLOSED)
Summary
Payment History
2015 CO CO CO CO CO CO CO
2014 120
2013
Account Details
Amount Past Due Date Reported Aug 24, 2015

Months Reviewed 20 Delinquency First Reported Sep 01, 2014
Activity Designator TRANSFER_OR_SOLD_OR_PAID Creditor Classification UNKNOWN
Date of First Delinquency Apr 01, 2014
Comments Contact
Paid charge off MACY'S/DSNB

911 DUKE BLVD
MASON, OH 45040
1-800-243-6552

2.44 SYNCB/BROOK BROS DC (CLOSED)
Summary
Payment History
2015 CO CO CO CO CO CO
2014 30 60 90 120 120 120
2013 30
2012
2011
2010
Account Details

Months Reviewed 47 Delinquency First Reported Aug 01, 2014
Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN
Date of First Delinquency Feb 01, 2014
Comments Contact
Charged off account SYNCB/BROOK BROS DC

4125 WINDWARD PLAZA

Summary
Payment History
2015
2014
2013
2012
2011
2010
2009
2008
Account Details

Balance $0 Date Opened May 15, 2004
Loan Type Flexible Spending Credit Card Date Closed Dec 01, 2014
Comments Contact
Payment is payroll deductible BARCLAYS BANK DELAWARE

PO BOX 8803
ATT: CREDIT BUREAU
1-888-232-0780

2.46 BANK OF AMERICA (CLOSED)
Summary
Payment History
2015
2014
2013
2012
2011
2010
2009
2008
Account Details

Loan Type Credit Card Date Closed Dec 01, 2014
Comments Contact
Consumer disputes this account information BANK OF AMERICA

DE5-019-03-07
Payment is payroll deductible
NEWARK, DE 19714
1-800-759-6262

2.47 AMERICAN EXPRESS (CLOSED)
Summary
Payment History
2015 CO
2014
2013
2012
2011
2010
Account Details

Months Reviewed 44 Delinquency First Reported Jul 01, 2014
Date of First Delinquency Dec 01, 2013
Comments Contact
Account paid for less than full balance AMERICAN EXPRESS

P.O. BOX 981537
Paid charge off
EL PASO, TX 79998
1-800-874-2717

2.48 SYNCB/LORD & TAYLOR (CLOSED)
Summary
Payment History
2015
2014
2013
2012
2011
2010
2009
Account Details

Actual Payment Amount Date of Last Payment Jul 01, 2012
Loan Type Charge Account Date Closed May 01, 2014
Comments Contact
Payment is payroll deductible SYNCB/LORD & TAYLOR

4125 WINDWARD PLAZA

Summary
Payment History
2015
2014
2013
2012
2011
2010
2009
2008
Account Details

Amount Past Due Date Reported Mar 29, 2015
Actual Payment Amount Date of Last Payment Nov 01, 2012
Loan Type Flexible Spending Credit Card Date Closed Aug 01, 2008
Comments Contact
CHASE CARD
1-800-945-2000

Summary
Payment History
2014 30 60 90 120 120
2013
2012
2011
2010
2009
2008
Account Details

Loan Type Flexible Spending Credit Card Date Closed Apr 01, 2014
Comments Contact
Account paid for less than full balance CITICARDS CBNA

701 E 60TH ST N
IBS CDV DISPUTES

2.51 SYNCB/BRANDSMART (CLOSED)
Summary
Payment History
Account Details
Loan Type Charge Account Date Closed Jun 01, 2008

Comments Contact
Payment is payroll deductible SYNCB/BRANDSMART

C/O P.O. BOX 965036
1-866-396-8254

Summary
Payment History
2014 30 60 90 120 120
2013
2012
2011
2010
2009
2008
Account Details

Actual Payment Amount Date of Last Payment Oct 01, 2014
Months Reviewed 89 Delinquency First Reported Dec 01, 2014
Loan Type Flexible Spending Credit Card Date Closed
Date of First Delinquency Nov 01, 2014
Comments Contact
PO BOX 8803
Charged off account
ATT: CREDIT BUREAU
1-888-232-0780

Summary
Payment History
2014 30 60 90 120 120
2013
2012
Account Details
Amount Past Due $713 Date Reported Nov 03, 2014
Actual Payment Amount $30 Date of Last Payment Oct 01, 2014

Months Reviewed 33 Delinquency First Reported Nov 01, 2014
Comments Contact
Charged off account BARCLAYS BANK DELAWARE

PO BOX 8803
Payment is payroll deductible
ATT: CREDIT BUREAU
1-888-232-0780

Summary
Payment History
2014 30 60
2013
Account Details

Loan Type Credit Card Date Closed Apr 01, 2014
Comments Contact
Account paid for less than full balance CITICARDS CBNA

701 E 60TH ST N
IBC CDV DISPUTES

Summary
Payment History
Account Details

Comments Contact
Payment is payroll deductible CHASE CARD

1-800-945-2000

2.56 CAPITAL ONE / BEST BUY (CLOSED)
Summary
Payment History
Account Details
Actual Payment Amount $30 Date of Last Payment Aug 01, 2013
Loan Type Charge Account Date Closed Sep 01, 2013

Comments Contact
CAPITAL ONE / BEST BUY

PO BOX 5253
CAROL STREAM, IL 60197
1-800-695-6950

2.57 WFFNB/EL DORADO FURNITURE (CLOSED)
Summary
Payment History
Account Details
Actual Payment Amount Date of Last Payment Jul 01, 2011
Loan Type Charge Account Date Closed Aug 01, 2012

Comments Contact
Payment is payroll deductible WFFNB/EL DORADO FURNITURE

CSCL DISPUTE TM-MAC N8235-04M
PO BOX 14517
DES MOINES, IA 50306

2.58 COMENITY BANK/CHADWCKS (CLOSED)
Summary
Payment History
Account Details

Comments Contact
Account closed at consumer’s request COMENITY BANK/CHADWCKS

PO BOX 182789
COLUMBUS, OH 43218

2.59 AMERICAN EXPRESS (CLOSED)
Summary
Payment History
2012 30
2011
2010
2009
2008
2007
2006
Account Details

Loan Type Credit Card Date Closed Feb 01, 2009
Comments Contact
Payment is payroll deductible AMERICAN EXPRESS

P.O. BOX 981537
EL PASO, TX 79998
1-800-874-2717

2.60 CAPITAL ONE BANK USA NA (CLOSED)
Summary
Payment History
Account Details
Actual Payment Amount $24 Date of Last Payment Aug 01, 2010
Loan Type Credit Card Date Closed Mar 01, 2011

Comments Contact
Account closed at consumer’s request CAPITAL ONE BANK USA NA

PO BOX 85015
RICHMOND, VA 23285-5075
1-800-955-7070

3. Mortgage Accounts
Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off.
3.1 SETERUS, INC
Summary
Account Number xxxxxxxxx 9069 Reported Balance $92,381
Available Credit
Account History
Balance
2017 $102,147 $101,643 $101,137 $100,630 $100,120 $99,625 $99,238 $98,849 $98,458 $98,065 $98,300 $97,777
2018 $97,252 $96,726 $96,197 $95,667 $95,261 $94,852 $94,442 $94,029 $93,614 $93,198 $93,091
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $990 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000
2018 $1,000 $1,013 $1,013 $1,013 $1,013 $1,013 $1,013 $1,013 $1,013 $1,013 $1,013
2019

Actual Payment
2017 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000
2018 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,013 $1,013 $1,163
2019
High Credit
2017 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900
2018 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900 $147,900
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Comments 1
Date Comment
01/2017 Fannie mae account

Date Comment
Comments 2
Date Comment
01/2017 Fixed rate
02/2017 Fixed rate
03/2017 Fixed rate
04/2017 Fixed rate
05/2017 Fixed rate

Date Comment
06/2017 Fixed rate
07/2017 Fixed rate
08/2017 Fixed rate
09/2017 Fixed rate
10/2017 Fixed rate
11/2017 Fixed rate
12/2017 Fixed rate
01/2018 Fixed rate
02/2018 Fixed rate
03/2018 Fixed rate
04/2018 Fixed rate
05/2018 Fixed rate
06/2018 Fixed rate
07/2018 Fixed rate
08/2018 Fixed rate
09/2018 Fixed rate
10/2018 Fixed rate
11/2018 Fixed rate
Payment History
2018
2017
2016
2015
2014
2013

2012
Account Details
Credit Limit Account Type MORTGAGE
Actual Payment Amount $1,163 Date of Last Payment Dec 01, 2018
Loan Type Conventional Real Estate Date Closed

Mortgage
Comments Contact
Fannie mae account SETERUS, INC

8501 IBM DR, BLDG 201, 2DD188
Fixed rate
CHARLOTTE, NC 28262
1-866-570-5277

3.2 SUNTRUST BANK
Summary
Account Number xxxxxxxxx 6910 Reported Balance $183,448
Available Credit
Account History
Balance
2017 $215,003 $213,664 $212,321 $210,976 $209,628 $208,277 $206,923 $205,567 $204,207 $202,844 $201,478 $200,109
2018 $198,737 $197,363 $195,985 $194,604 $193,220 $191,833 $190,443 $189,051 $187,655 $186,256 $184,853
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809
2018 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809
2019
Actual Payment

2017 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809
2018 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809 $1,809
2019
High Credit
2017 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000
2018 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000 $269,000
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Comments 1
Date Comment

Date Comment
Comments 2
Date Comment
01/2017 Fixed rate
02/2017 Fixed rate
03/2017 Fixed rate
04/2017 Fixed rate
05/2017 Fixed rate
06/2017 Fixed rate
07/2017 Fixed rate

Date Comment
08/2017 Fixed rate
09/2017 Fixed rate
10/2017 Fixed rate
11/2017 Fixed rate
12/2017 Fixed rate
01/2018 Fixed rate
02/2018 Fixed rate
03/2018 Fixed rate
04/2018 Fixed rate
05/2018 Fixed rate
06/2018 Fixed rate
07/2018 Fixed rate
08/2018 Fixed rate
09/2018 Fixed rate
10/2018 Fixed rate
11/2018 Fixed rate
Payment History
2018
2017
2016
2015
2014
2013

Account Details
High Credit $269,000 Owner JOINT_CONTRACTUAL_LIABILITY
Balance $183,448 Date Opened Jun 28, 2013
Actual Payment Amount $1,809 Date of Last Payment Dec 01, 2018

Mortgage
Comments Contact
Fannie mae account SUNTRUST BANK

1001 SEMMES AVENUE
Fixed rate
RVW 3004
RICHMOND, VA 23224
1-800-963-4792

3.3 SHELLPOINT MORTGAGE SERVICING (CLOSED)
Summary
Account Number xxxxx 5332 Reported Balance $0
Available Credit
Payment History
2015
2014
2013
Account Details

Loan Type Conventional Real Estate Date Closed Jul 01, 2015
Mortgage
Comments Contact
Fannie mae account SHELLPOINT MORTGAGE SERVICING

55 BEATTIE PLACE STE 600
Fixed rate
GREENVILLE, SC 29601
1-866-317-2347

3.4 CHASE HOME LENDING (CLOSED)
Summary
Payment History
Account Details
Credit Limit $34,500 Account Type MORTGAGE
Loan Type Date Closed Nov 01, 2014

Comments Contact
Variable/adjustable rate CHASE HOME LENDING

1-800-848-9136

3.5 SELENE FINANCE LLC (CLOSED)
Summary
Account Number xxxxxxxxx 2302 Reported Balance $0
Available Credit
Payment History
Account Details
Actual Payment Amount $2,806 Date of Last Payment Sep 01, 2013

Mortgage

Comments Contact
Fannie mae account SELENE FINANCE LLC

9990 RICHMOND STE 100
Fixed rate
HOUSTON, TX 77042
1-713-625-2026

4. Installment Accounts
Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans.
4.1 DEPT OF ED/NAVIENT
Summary
Account Number xxxxxxxxxxxxxxxx 0100 Reported Balance $2,517
Available Credit
Account History
Balance
2017 $5,392 $5,272 $5,155 $5,035 $4,916 $4,796 $4,675 $4,554 $4,432 $4,309 $4,185 $4,061
2018 $3,937 $3,810 $3,684 $3,557 $3,429 $3,301 $3,172 $3,043 $2,912 $2,781 $2,649
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $146 $146 $146 $146 $146 $146 $146 $146 $146 $146 $146 $146
2018 $146 $146 $146 $146 $146 $146 $146 $146 $146 $146 $146
2019

Actual Payment
2017 $146 $146 $146 $146 $146 $146 $146 $146 $146 $146 $146 $146
2018 $146 $146 $146 $146 $146 $146 $146 $146 $146 $146 $146
2019
High Credit
2017 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968
2018 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968 $11,968
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Comments 1
Date Comment
01/2017 Fixed rate

Date Comment
02/2017 Fixed rate
03/2017 Fixed rate
04/2017 Fixed rate
05/2017 Fixed rate
06/2017 Fixed rate
07/2017 Fixed rate
08/2017 Fixed rate
09/2017 Fixed rate
10/2017 Fixed rate
11/2017 Fixed rate
12/2017 Fixed rate
01/2018 Fixed rate
02/2018 Fixed rate
03/2018 Fixed rate
04/2018 Fixed rate
05/2018 Fixed rate
06/2018 Fixed rate
07/2018 Fixed rate
08/2018 Fixed rate
09/2018 Fixed rate
10/2018 Fixed rate
11/2018 Fixed rate
Payment History
2018
2017

2016
2015
2014
2013
2012
Account Details
Credit Limit Account Type INSTALLMENT
Balance $2,517 Date Opened Jan 19, 2010
Loan Type Education Loan Date Closed
Comments Contact
Fixed rate DEPT OF ED/NAVIENT

PO BOX 9655
WILKES-BARRE, PA 18773-9655
1-999-999-9999

Summary
Account Number xxxxxxxxxxxxxxxx 0100 Reported Balance $324
Available Credit
Account History
Balance
2017 $712 $696 $680 $664 $648 $632 $616 $599 $583 $566 $550 $533
2018 $516 $499 $482 $465 $448 $430 $413 $395 $378 $360 $342
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $19 $19 $19 $19 $19 $19 $19 $19 $19 $19 $19 $19
2018 $19 $19 $19 $19 $19 $19 $19 $19 $19 $19 $19
2019
Actual Payment

2017 $19 $19 $19 $19 $19 $19 $19 $19 $19 $19 $19 $19
2018 $19 $19 $19 $19 $19 $19 $19 $19 $19 $19 $19
2019
High Credit
2017 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696
2018 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696 $1,696
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Comments 1
Date Comment
01/2017 Fixed rate
02/2017 Fixed rate
03/2017 Fixed rate

Date Comment
04/2017 Fixed rate
05/2017 Fixed rate
06/2017 Fixed rate
07/2017 Fixed rate
08/2017 Fixed rate
09/2017 Fixed rate
10/2017 Fixed rate
11/2017 Fixed rate
12/2017 Fixed rate
01/2018 Fixed rate
02/2018 Fixed rate
03/2018 Fixed rate
04/2018 Fixed rate
05/2018 Fixed rate
06/2018 Fixed rate
07/2018 Fixed rate
08/2018 Fixed rate
09/2018 Fixed rate
10/2018 Fixed rate
11/2018 Fixed rate
Payment History
2018
2017
2016
2015

2014
2013
2012
Account Details
Balance $324 Date Opened Jan 19, 2010
Comments Contact

PO BOX 9655
1-999-999-9999

Summary
Account Number xxxxxxxxxxxxxxxx 0091 Reported Balance $1,893
Available Credit
Account History
Balance
2017 $4,096 $4,004 $3,914 $3,823 $3,731 $3,639 $3,547 $3,454 $3,360 $3,266 $3,171 $3,077
2018 $2,981 $2,884 $2,787 $2,690 $2,592 $2,494 $2,395 $2,296 $2,196 $2,096 $1,995
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $112 $112 $112 $112 $112 $112 $112 $112 $112 $112 $112 $112
2018 $112 $112 $112 $112 $112 $112 $112 $112 $112 $112 $112
2019
Actual Payment

2017 $112 $112 $112 $112 $112 $112 $112 $112 $112 $112 $112 $112
2018 $112 $112 $112 $112 $112 $112 $112 $112 $112 $112 $112
2019
High Credit
2017 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916
2018 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916 $8,916
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Comments 1
Date Comment
01/2017 Fixed rate
02/2017 Fixed rate
03/2017 Fixed rate

Date Comment
04/2017 Fixed rate
05/2017 Fixed rate
06/2017 Fixed rate
07/2017 Fixed rate
08/2017 Fixed rate
09/2017 Fixed rate
10/2017 Fixed rate
11/2017 Fixed rate
12/2017 Fixed rate
01/2018 Fixed rate
02/2018 Fixed rate
03/2018 Fixed rate
04/2018 Fixed rate
05/2018 Fixed rate
06/2018 Fixed rate
07/2018 Fixed rate
08/2018 Fixed rate
09/2018 Fixed rate
10/2018 Fixed rate
11/2018 Fixed rate
Payment History
2018
2017
2016
2015

2014
2013
2012
Account Details
Comments Contact

PO BOX 9655
1-999-999-9999

Summary
Available Credit
Account History
Balance
2017 $1,206 $1,179 $1,152 $1,125 $1,098 $1,071 $1,044 $1,017 $989 $962 $934 $906
2018 $878 $849 $821 $792 $763 $735 $706 $676 $647 $617 $588
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $32 $32 $32 $32 $32 $32 $32 $32 $32 $32 $32 $32
2018 $32 $32 $32 $32 $32 $32 $32 $32 $32 $32 $32
2019
Actual Payment

2017 $32 $32 $32 $32 $32 $32 $32 $32 $32 $32 $32 $32
2018 $32 $32 $32 $32 $32 $32 $32 $32 $32 $32 $32
2019
High Credit
2017 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667
2018 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667 $5,667
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Comments 1
Date Comment
01/2017 Fixed rate
02/2017 Fixed rate
03/2017 Fixed rate

Date Comment
04/2017 Fixed rate
05/2017 Fixed rate
06/2017 Fixed rate
07/2017 Fixed rate
08/2017 Fixed rate
09/2017 Fixed rate
10/2017 Fixed rate
11/2017 Fixed rate
12/2017 Fixed rate
01/2018 Fixed rate
02/2018 Fixed rate
03/2018 Fixed rate
04/2018 Fixed rate
05/2018 Fixed rate
06/2018 Fixed rate
07/2018 Fixed rate
08/2018 Fixed rate
09/2018 Fixed rate
10/2018 Fixed rate
11/2018 Fixed rate
Payment History
2018
2017
2016
2015

2014
2013
2012
Account Details
Comments Contact

PO BOX 9655
1-999-999-9999

Summary
Available Credit
Account History
Balance
2017 $1,580 $1,545 $1,510 $1,475 $1,440 $1,404 $1,368 $1,333 $1,296 $1,260 $1,224 $1,187
2018 $1,150 $1,113 $1,075 $1,038 $1,000 $962 $924 $886 $847 $809 $770
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $43 $43 $43 $43 $43 $43 $43 $43 $43 $43 $43 $43
2018 $43 $43 $43 $43 $43 $43 $43 $43 $43 $43 $43
2019
Actual Payment

2017 $43 $43 $43 $43 $43 $43 $43 $43 $43 $43 $43 $43
2018 $43 $43 $43 $43 $43 $43 $43 $43 $43 $43 $43
2019
High Credit
2017 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667
2018 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667 $6,667
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Comments 1
Date Comment
01/2017 Fixed rate
02/2017 Fixed rate
03/2017 Fixed rate

Date Comment
04/2017 Fixed rate
05/2017 Fixed rate
06/2017 Fixed rate
07/2017 Fixed rate
08/2017 Fixed rate
09/2017 Fixed rate
10/2017 Fixed rate
11/2017 Fixed rate
12/2017 Fixed rate
01/2018 Fixed rate
02/2018 Fixed rate
03/2018 Fixed rate
04/2018 Fixed rate
05/2018 Fixed rate
06/2018 Fixed rate
07/2018 Fixed rate
08/2018 Fixed rate
09/2018 Fixed rate
10/2018 Fixed rate
11/2018 Fixed rate
Payment History
2018
2017
2016
2015

2014
2013
2012
Account Details
Comments Contact

PO BOX 9655
1-999-999-9999

Summary
Available Credit
Account History
Balance
2017 $767 $750 $733 $716 $699 $682 $664 $647 $630 $612 $594 $577
2018 $559 $541 $523 $505 $486 $468 $450 $431 $413 $394 $376
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $20 $20 $20 $20 $20 $20 $20 $20 $20 $20 $20 $20
2018 $20 $20 $20 $20 $20 $20 $20 $20 $20 $20 $20
2019
Actual Payment

2017 $20 $20 $20 $20 $20 $20 $20 $20 $20 $20 $20 $20
2018 $20 $20 $20 $20 $20 $20 $20 $20 $20 $20 $20
2019
High Credit
2017 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833
2018 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833 $1,833
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Comments 1
Date Comment
01/2017 Fixed rate
02/2017 Fixed rate
03/2017 Fixed rate

Date Comment
04/2017 Fixed rate
05/2017 Fixed rate
06/2017 Fixed rate
07/2017 Fixed rate
08/2017 Fixed rate
09/2017 Fixed rate
10/2017 Fixed rate
11/2017 Fixed rate
12/2017 Fixed rate
01/2018 Fixed rate
02/2018 Fixed rate
03/2018 Fixed rate
04/2018 Fixed rate
05/2018 Fixed rate
06/2018 Fixed rate
07/2018 Fixed rate
08/2018 Fixed rate
09/2018 Fixed rate
10/2018 Fixed rate
11/2018 Fixed rate
Payment History
2018
2017
2016
2015

2014
2013
2012
Account Details
Comments Contact

PO BOX 9655
1-999-999-9999

Summary
Available Credit
Account History
Balance
2017 $835 $809 $783 $756 $730 $703 $676 $649 $622 $595 $567 $540
2018 $512 $484 $456 $428 $400 $371 $343 $314 $285 $256 $227
2019
Available Credit
2017
2018
2019
Scheduled Payment
2017 $30 $30 $30 $30 $30 $30 $30 $30 $30 $30 $30 $30
2018 $30 $30 $30 $30 $30 $30 $30 $30 $30 $30 $30
2019
Actual Payment

2017 $30 $30 $30 $30 $30 $30 $30 $30 $30 $30 $30 $30
2018 $30 $30 $30 $30 $30 $30 $30 $30 $30 $30 $30
2019
High Credit
2017 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333
2018 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333 $2,333
2019
Credit Limit
2017
2018
2019
Amount Past Due
2017
2018
2019
Activity Designator
2017
2018
2019
Comments 1
Date Comment
01/2017 Fixed rate
02/2017 Fixed rate
03/2017 Fixed rate

Date Comment
04/2017 Fixed rate
05/2017 Fixed rate
06/2017 Fixed rate
07/2017 Fixed rate
08/2017 Fixed rate
09/2017 Fixed rate
10/2017 Fixed rate
11/2017 Fixed rate
12/2017 Fixed rate
01/2018 Fixed rate
02/2018 Fixed rate
03/2018 Fixed rate
04/2018 Fixed rate
05/2018 Fixed rate
06/2018 Fixed rate
07/2018 Fixed rate
08/2018 Fixed rate
09/2018 Fixed rate
10/2018 Fixed rate
11/2018 Fixed rate
Payment History
2018
2017
2016
2015

2014
2013
2012
Account Details
Comments Contact

PO BOX 9655
1-999-999-9999

4.8 WORLD OMNI FINANCIAL CORP (CLOSED)
Summary
Account Number xxxxxxxxxxx 3556 Reported Balance $0
Available Credit
Payment History
2018
2017
2016
2015
2014
2013
Account Details

Actual Payment Amount $332 Date of Last Payment Jul 01, 2018
Loan Type Auto Date Closed Jul 01, 2018
Comments Contact
Fixed rate WORLD OMNI FINANCIAL CORP

P.O. BOX 991817
MOBILE, AL 36691-1817
1-800-533-2650

4.9 AES/BRAZOS/US BANK (CLOSED)
Summary
Account Number xxxxxxxxxxxxx 0002 Reported Balance $0
Available Credit
Payment History
2017
2016
2015
2014
2013
2012
2011
2010
Account Details

Amount Past Due Date Reported Mar 31, 2017
Actual Payment Amount $2,399 Date of Last Payment Mar 01, 2017
Loan Type Education Loan Date Closed Mar 01, 2017
Comments Contact
AES/BRAZOS/US BANK
PO BOX 2461
HARRISBURG, PA 17105
1-800-233-0557

4.10 DEPT OF ED/NAVIENT (CLOSED)
Summary
Available Credit
Payment History
2015
2014
2013
2012
2011
2010
2009
Account Details

Loan Type Education Loan Date Closed Feb 01, 2015
Comments Contact

PO BOX 9655
1-999-999-9999

4.11 ACS/BRAZO HIGHER EDUC. (CLOSED)
Summary
Account Number xxxxxxx 7261 Reported Balance $0
Available Credit
Payment History
Account Details
Actual Payment Amount $1,000 Date of Last Payment Feb 01, 2013
Loan Type Education Loan Date Closed Feb 01, 2013

Comments Contact
ACS/BRAZO HIGHER EDUC.

501 BLEECKER ST
UTICA, NY 13501-2498
1-800-835-4611

4.12 U S DEPARTMENT OF EDU AFSA (CLOSED)
Summary
Account Number xxxxxx 7261 Reported Balance $0
Available Credit
Payment History
Account Details
Balance $0 Date Opened Jan 06, 2010

Comments Contact
U S DEPARTMENT OF EDU AFSA

PO BOX 7202
UTICA, NY 13504-7202

5. Other Accounts
Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support
obligations or rental agreements.
You currently do not have any Other Accounts in your file.

6. Consumer Statements
Consumer Statements are explanations of up to 100 words (200 words if you live in Maine) you can attach to your credit file to provide
more information on an item you may disagree with or would like to provide details on. Consumer statements are voluntary and have no
impact on your credit score.
You currently do not have any Consumer Statements in your file.

7. Personal Information
Creditors use your personal information primarily to identify you. This information has no impact on your credit score.
Identification
Identification is the information in your credit file that indicates your current identification as reported to Equifax. It does not affect your
credit score or rating.
Name LEYSVEL D SALCEDO
Formerly known as
Social Security Number xxxxx 5726
Age or Date of Birth Feb 15, 1976
Other Identification
You currently do not have any Other Identifications in your file.
Alert Contact Information
You currently do not have any Alert Contacts in your file.
Contact Information
Contact information is the information in your credit file that indicates your former and current addresses as reported to Equifax. It does
not affect your credit score or rating.
Address Status Date Reported
931 REVERE DR Current Jan 28, 2019

HILLSIDE, NJ 07205
601 W 57TH ST APT 39M Former Sep 12, 2016

NEW YORK, NY 10019
18201 VON KARMAN AVE STE 680 Former Mar 16, 2015
IRVINE, CA 92612
Employment History
Employment history is the information in your credit file that indicates your current and former employment as reported to Equifax. It
does not affect your credit score or rating.
You currently do not have any Employment History in your file.

8. Inquiries
A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and
those that do not.
Hard Inquiries
Inquiries that may impact your credit rating/score

These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years.
Date Company Request Originator
Oct 08, 2018 COMENITYBANK/WSVISA
PO BOX 182789
COLUMBUS, OH 43218
Oct 04, 2018 COMENITYCAPITAL/IKEAVISACARD
PO BOX 182120
COLUMBUS, OH 43218
Sep 18, 2018 COMENITYCAPITAL/GRANDINRD
PO BOX 182120
COLUMBUS, OH 43218
Jul 09, 2018 CBNA
701 EAST 60TH ST NORTH

1-800-950-5114
Oct 24, 2017 COMENITYBANK/WAYFAIRCARD
PO BOX 182789
COLUMBUS, OH 43218
Soft Inquiries
Inquiries that do not impact your credit rating/score

These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor
or your own requests to check your credit file. They may remain on your file for up to 2 years.
Date Company Description
Jan 09, 2019 SHELL/CITIBANK NA Account Review Inquiry

Jan 08, 2019 COMENITY/COMENITYCAPITAL Account Review Inquiry
Jan 03, 2019 PROGRESSIVE INSURANCE Promotional Inquiry
Jan 01, 2019 CAPITAL ONE Account Review Inquiry
Dec 25, 2018 CITI CARDS CBNA Account Review Inquiry
Dec 25, 2018 THE HOME DEPOT - CITI NA Account Review Inquiry
Dec 18, 2018 DIAMOND RESORTS CENTRALIZED Account Review Inquiry
Dec 07, 2018 COMENITYCAPITAL/OVERSTOCK Promotional Inquiry
Dec 01, 2018 CITIBANK NA Account Review Inquiry
Oct 17, 2018 PROGRESSIVE INSURANCE Promotional Inquiry
Oct 15, 2018 MEDERIDIAN HOME MORTGAGE CORP Promotional Inquiry
Sep 09, 2018 CORELOGIC CREDCO Account Review Inquiry
Aug 30, 2018 COMENITYCAPITAL/IKEAVISACARD Promotional Inquiry
Jul 03, 2018 CITI CARDS CBNA Promotional Inquiry
Jun 22, 2018 MEDERIDIAN HOME MORTGAGE CORP Promotional Inquiry
May 29, 2018 PROGRESSIVE INSURANCE Promotional Inquiry
May 22, 2018 CITI CARDS CBNA Promotional Inquiry
Apr 30, 2018 CITI CARDS CBNA Promotional Inquiry
Apr 24, 2018 SOUTHEAST TOYOTA FINANCE Account Review Inquiry
Apr 05, 2018 MEDERIDIAN HOME MORTGAGE CORP Promotional Inquiry
Apr 03, 2018 CITI CARDS CBNA Promotional Inquiry
Mar 27, 2018 PROGRESSIVE INSURANCE Promotional Inquiry
Feb 26, 2018 CITI CARDS CBNA Promotional Inquiry
Jan 30, 2018 CITI CARDS CBNA Promotional Inquiry

9. Public Records
This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, LexisNexis.
They can be contacted at: https://equifaxconsumers.lexisnexis.com
LexisNexis Consumer Center
P.O. Box 105615
Atlanta, GA 30348-5108
Bankruptcies
Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay
on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on
your credit score.
You currently do not have any Bankruptcies in your file.
Judgments
Judgments are a legal status granted by a court that indicates you must pay back an outstanding debt. Judgments stay on your credit
report up to 7 years from the date filed and generally have a negative impact on your credit score.
You currently do not have any Judgments in your file.
Liens
A lien is a legal claim on an asset, and Equifax only collects tax related liens. Liens stay on your credit report up to 10 years and
generally have a negative impact on your credit score.
You currently do not have any Liens in your file.

10. Collections
Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your
credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit
score.
You currently do not have any Collections in your file.

11. Dispute File Information
If you believe that any of the information found on this report is incorrect, there are 3 ways to launch an investigation about the
information in this report.
When you file a dispute, the credit bureau you contact is required to investigate your dispute within 30 days. They will not remove
accurate data unless it is outdated or cannot be verified.
To initiate a dispute online please visit https://www.ai.equifax.com
To check the status or view the results of your dispute please visit https://www.ai.equifax.com

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.consumerfinance.gov/learnmore or write to:
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
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 file;
- 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, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and
from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional 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 file it to the consumer reporting agency, the agency must
investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore 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, a consumer
reporting agency may continue to file 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.consumerfinance.gov/learnmore.
You may limit "prescreened" offers of credit and insurance you get based on information in your credit file.

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 1-888-5-
OPTOUT (1-888-567-8688).
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.consumerfinance.gov/learnmore.
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:
1a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates.
Contact
Bureau of Consumer Financial Protection
1700 G Street NW
Washington, DC 20552
1b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB
Contact
Federal Trade Commission: Consumer Response Center - FCRA
(877) 382-4357
2a. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal branches and federal
agencies of foreign bank
Contact
Office of the Comptroller of the Currency Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
2b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and insured state
branches of foreign banks), commercial lending companies owned or controlled by foreign banks, and organizations operating
under section 25 or 25A of the Federal Reserve Act
Contact
Federal Reserve Consumer Help Center
P.O. Box 1200
Minneapolis, MN 55480
2c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations
Contact
FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, MO 64106
2d. Federal Credit Unions
Contact
National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO)
1775 Duke Street
Alexandria, VA 22314
3. Air carriers

Contact
Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation
1200 New Jersey Avenue, SE
4. Creditors Subject to Surface Transportation Board
Contact
Office of Proceedings, Surface Transportation Board Department of Transportation
395 E Street, SW
5. Creditors Subject to Packers and Stockyards Act, 1921
Contact
Nearest Packers and Stockyards Administration area supervisor
6. Small Business Investment Companies
Contact
Associate Deputy Administrator for Capital Access United States Small Business Administration
409 Third Street, SW, 8th Floor
7. Brokers and Dealers
Contact
Securities and Exchange Commission
100 F Street NE
8a. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations
Contact
Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
8b. Retailers, Finance Companies, and All Other Creditors Not Listed Above
Contact
FTC Regional Office for region in which the creditor operates or Federal Trade Commission: Consumer Response Center - FCRA
(877) 382-4357

Your Rights Under State Law
State of New Jersey - Notice to Consumers
New Jersey Consumers Have the Right to Obtain a Security Freeze
You may obtain a security freeze on your credit report to protect your privacy and ensure that credit is not granted in your name without
your knowledge. You have a right to place a "security freeze" on your credit report pursuant to New Jersey law.
The security freeze will prohibit a consumer reporting agency from releasing any information in your credit report without your express
authorization or approval.
The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. When
you place a security freeze on your credit report, within five business days you will be provided a personal identification number or
password to use if you choose to remove the freeze on your credit report or to temporarily authorize the release of your credit report
for a specific party, parties or period of time after the freeze is in place. To provide that authorization, you must contact the consumer
reporting agency and provide all of the following:
1. The unique personal identification number or password provided by the consumer reporting agency;
2. Proper identification to verify your identity; and
3. The proper information regarding the third party or parties who are to receive the credit report or the period of time for which the
report shall be available to users of the credit report.
A consumer reporting agency that receives a request from a consumer to lift temporarily a freeze on a credit report shall comply with the
request no later than three business days or less, as provided by regulation, after receiving the request.
A security freeze does not apply to circumstances in which you have an existing account relationship and a copy of your report is
requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar
activities.
If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your own
applications for credit. You should plan ahead and lift a freeze, either completely if you are shopping around, or specifically for a certain
creditor, a few days before actually applying for new credit.
You have a right to bring a civil action against someone who violates your rights under the credit reporting laws. The action can be
brought against a consumer reporting agency or a user of your credit report.
To place a security freeze on your Equifax credit report, mail your request via certified or overnight mail to:
Equifax Security Freeze
P.O. Box 105788
Atlanta, Georgia 30348
Or, you may contact us the web at equifax.com or call 800-685-1111.

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CREDIT REPORT

Report Date Jan 28, 2019

Credit File Status No fraud indicator on file

Alert Contacts 0 Records Found

Average Account Age 9 Years, 4 Months

Length of Credit History 23 Years, 9 Months

Accounts with Negative Information 18

Oldest Account MACY'S/DSNB (Opened Apr 11, 1995)

Most Recent Account COMENITYBANK/WILLIAMSSONOMAVS (Opened Oct 08, 2018)

Revolving 19 12 $38,569 $69,786 $108,355 36.0% $867

Mortgage 2 2 $275,829 $141,071 $416,900 66.0% $2,822

Installment 7 7 $6,577 $32,503 $39,080 17.0% $402

Total 28 21 $320,975 $243,360 $564,335 57.0% $4,091

Consumer Statements 0 Statements Found

Personal Information 4 Items Found

Inquiries 29 Inquiries Found

Most Recent Inquiry SHELL/CITIBANK NAJan 09, 2019

Public Records 0 Records Found

Collections 0 Collections Found

LEYSVEL SALCEDO | Jan 28, 2019 Page 2 of 206

2.1 SYNCB/SYNCHRONY MASTERCARD

Account Number Reported Balance $0

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 0%

Available Credit $1,800

2017 $37 $121 $44 $308 $254

2018 $263 $98 $17 $0

2017 $37 $21 $35 $33 $38

2018 $47 $38 $17

LEYSVEL SALCEDO | Jan 28, 2019 Page 3 of 206

2017 $104 $60

2018 $35 $160

2017 $264 $264 $264 $308 $308

2018 $308 $308 $308 $308

2017 $1,800 $1,800 $1,800 $1,800 $1,800

2018 $1,800 $1,800 $1,800 $1,800

Amount Past Due

LEYSVEL SALCEDO | Jan 28, 2019 Page 4 of 206

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

High Credit $308 Owner INDIVIDUAL

Credit Limit $1,800 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $0 Date Opened Aug 24, 2016

Amount Past Due Date Reported Jan 24, 2019

Actual Payment Amount Date of Last Payment Jun 01, 2018

Date of Last Activity Scheduled Payment Amount

Months Reviewed 29 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Credit Card Date Closed

Date of First Delinquency

LEYSVEL SALCEDO | Jan 28, 2019 Page 5 of 206

Account Number Reported Balance $135

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 6%

Available Credit $2,400

LEYSVEL SALCEDO | Jan 28, 2019 Page 6 of 206

Amount Past Due

LEYSVEL SALCEDO | Jan 28, 2019 Page 7 of 206

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

High Credit $224 Owner INDIVIDUAL

Credit Limit $2,400 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0