10/16/23, 12:34 PM 3-Bureau Credit Report & Scores | SmartCredit

Your 3B Report & Vantage Scores® 3.0

Transunion® Experian® Equifax®
*Vantage Score® 3.0 credit score

470
Personal Information 468 467
Transunion® Experian® Equifax®
Credit Report Date 10/10/2023 10/10/2023 10/10/2023
Name DAVID GROSS DAVID GROSS DAVID GROSS
Also Known As: DOVID GROSS DOVID GROSS
Date of Birth 1978 1978 1978
Current Address 1444 58TH 1444 58TH ST 1444 58TH ST
BROOKLYN, NY 11219 BROOKLYN, NY 112194646 BROOKLYN, NY 11219
Previous Address 1267 55TH 514 RAND ST # A 157 BAY 52ND ST
BROOKLYN, NY 11219 CAMDEN, NJ 081052715 BROOKLYN, NY 11214

1209 LIBERTY 959 JACKSON ST 1209 LIBERTY ST

CAMDEN, NJ 08104 CAMDEN, NJ 081041605 CAMDEN, NJ 08104
Employer GNC MANAGEMENT LLC GNC MANAGEMENT LLC FLOWERS R US LLC
Date Updated: 8/30/2016 Date Updated: 9/1/2020 Date Updated: 4/1/2023

FLOWERS R US LLC GNC MGMT

Date Updated: 3/1/2023 Date Updated: 9/1/2020
GNC MANAGEMENT

Consumer Statement

Transunion® NONE REPORTED

Experian® NONE REPORTED

Equifax® NONE REPORTED

Summary
Transunion® Experian® Equifax®
Total Accounts 29 26 28
Open Accounts: 12 8 13
Closed Accounts: 17 18 15
Delinquent: 2 2 2
Derogatory: 0 0 0
Balances: $96,517 $96,517 $96,517
Payments: $2,421 $2,421 $3,392
Public Records: 0 0 0

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Inquiries (2 years): 4 5 1

AccountTransunion
History ® Experian® Equifax®

470
At-a-glance viewing of your payment history
468 467
OK 30 60 90 120 150 PP RF
Unknown Current 30 Days 60 Days 90 Days 120 Days 150+ Days Payment Repossession
Late Late Late Late Late Plan Foreclosure

CO
Collection Chargeoff

Real Estate Accounts: Primary and secondary mortgages on your home

JPMCB HOME
Transunion® Experian® Equifax®
Account # 465197******* 465197******* 465197*******
High Balance: $80,926 $80,926 $80,926
Last Verified: 8/31/2022 -- --
Date of Last Activity: 8/31/2022 8/1/2022 8/1/2022
Date Reported: 8/31/2022 8/31/2022 9/1/2022
Date Opened: 5/24/2006 5/1/2006 5/1/2006
Balance Owed: $0 $0 $0
Closed Date: 8/31/2022 -- --
Account Rating: Closed Paid Paid
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account disputed
Creditor Type: Bank - Mortgage Loans Mortgage Companies - Finance Mortgage Companies - Finance
Account Status: Closed Closed Open
Payment Status: Current Current Current
Creditor Remarks: Loan Modified NonGovt -- Consumer disputes -
reinvestigation in progress
Real Estate Mortgage
Payment Amount: $0 $0 $0
Last Payment: 8/31/2022 8/31/2022 8/1/2022
Term Length: 528 Month(s) 528 Month(s) 528 Month(s)
Past Due Amount: $0 $0 $0
Account Type: Conventional real estate Conventional real estate Real estate mortgage
mortgage mortgage

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Payment Frequency: Monthly (every month) -- --

Credit Limit: $0 $0 $0

Two-Year Payment History

Transunion® Experian® Equifax®
Transunion
470 468
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Aug Sep Oct Nov Dec '2021 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun
467
OK
Jul

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Sep Oct Nov Dec '2021 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul

Aug

Equifax

Aug Sep Oct Nov Dec '2021 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun

Jul

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 1 60: 0 90: 0 30: 1 60: 0 90: 0 30: 1 60: 0 90: 0

NSTAR/COOPER
Transunion® Experian® Equifax®
Account # 630165*** 630165*** 630165***
High Balance: $61,584 $61,584 $61,584
Last Verified: 2/13/2023 -- --
Date of Last Activity: 2/13/2023 2/1/2023 2/1/2023
Date Reported: 2/13/2023 2/1/2023 10/1/2023
Date Opened: 4/3/2006 4/1/2006 4/1/2006
Balance Owed: $0 $0 $0
Closed Date: 2/13/2023 -- --
Account Rating: Closed Paid Transferred
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account disputed

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Creditor Type: Mortgage Companies - Finance Mortgage Companies - Finance Mortgage Companies - Finance
Account Status: Closed Closed Closed
Payment Status: Current Current Too New to Rate
Transunion®
Creditor Remarks: Closed -- ®
Experian Equifax
Consumer ®
disputes -
reinvestigation in progress

470 468 467

Account transferred or sold
Payment Amount: $0 $0 $0
Last Payment: 2/13/2023 2/1/2023 2/1/2023
Term Length: 40 Month(s) 480 Month(s) 480 Month(s)
Past Due Amount: $0 $0 $0
Account Type: Conventional real estate Conventional real estate --
mortgage mortgage
Payment Frequency: Monthly (every month) -- --
Credit Limit: $0 $0 $0

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 OK OK OK OK
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

OK
'2023

Experian
OK OK OK OK OK OK OK OK OK OK OK OK 30 60 OK OK OK OK OK
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

'2023

Equifax
30 60
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

Aug

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 1 60: 1 90: 0 30: 1 60: 1 90: 0 30: 1 60: 1 90: 0

OCWEN LOAN
Transunion® Experian® Equifax®

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Account # 719519**** 719519**** 719519****

High Balance: $61,584 $61,584 $61,584
Last Verified: 11/1/2015 -- --
Transunion®
Date of Last Activity: 11/1/2015 Experian ®
11/1/2015 Equifax®
10/1/2015
Date Reported: 11/1/2015 11/30/2015 11/1/2015
Date Opened: 470 4/3/2006 468 4/1/2006 467
4/1/2006
Balance Owed: $0 $0 $0
Closed Date: 11/1/2015 -- --
Account Rating: Transferred Transferred Transferred
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Bank - Mortgage Loans Mortgage Companies - Finance Savings and Loan Companies
Account Status: Closed Closed Closed
Payment Status: Current Current Current
Creditor Remarks: Transferred to another lender Transferred to another lender Account transferred or sold
or claim purchased. Real Estate Mortgage
Payment Amount: $0 $0 $0
Last Payment: 10/30/2015 10/30/2015 10/1/2015
Term Length: 360 Month(s) 360 Month(s) 360 Month(s)
Past Due Amount: $0 $0 $0
Account Type: Conventional real estate Conventional real estate Real estate mortgage
mortgage mortgage
Payment Frequency: Monthly (every month) -- --
Credit Limit: $0 $0 $0

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Oct Nov Dec '2014 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2015 Feb Mar Apr May Jun Jul Aug

OK
Sep

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Dec '2014 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2015 Feb Mar Apr May Jun Jul Aug Sep Oct

Nov

Equifax

Oct Nov Dec '2014 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2015 Feb Mar Apr May Jun Jul Aug

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Sep

Days Late - 7 Year History

Transunion®Transunion® Experian® Experian® Equifax® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

470 468 467

OCWEN LOAN SERVICING L
Transunion® Experian® Equifax®
Account # -- 719519**** 719519****
High Balance: -- $61,584 $61,584
Last Verified: -- -- --
Date of Last Activity: -- 3/1/2014 2/1/2014
Date Reported: -- 3/31/2014 3/1/2014
Date Opened: -- 4/1/2006 4/1/2006
Balance Owed: -- $0 $0
Closed Date: -- -- --
Account Rating: -- Transferred Transferred
Account Description: -- Individual Individual
Dispute Status: -- Account not disputed Account not disputed
Creditor Type: -- Mortgage Companies - Finance Savings and Loan Companies
Account Status: -- Closed Closed
Payment Status: -- Current Current
Creditor Remarks: -- Transferred to another lender Account transferred or sold
or claim purchased. Fannie Mae account
Payment Amount: -- $0 $0
Last Payment: -- 2/21/2014 2/1/2014
Term Length: -- 360 Month(s) 360 Month(s)
Past Due Amount: -- $0 $0
Account Type: -- Conventional real estate Real estate mortgage
mortgage
Payment Frequency: -- -- --
Credit Limit: -- $0 $0

Two-Year Payment History

Transunion
NONE REPORTED

Experian
OK OK OK OK
Apr May Jun Jul Aug Sep Oct Nov Dec '2013 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2014 Feb
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Mar

Equifax Transunion® Experian® Equifax®

470 468
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2013 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
467
'2014

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: -- 60: -- 90: -- 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

CITBANKNA
Transunion® Experian® Equifax®
Account # -- -- 668300*******
High Balance: -- -- $61,584
Last Verified: -- -- --
Date of Last Activity: -- -- 8/1/2013
Date Reported: -- -- 3/1/2017
Date Opened: -- -- 4/1/2006
Balance Owed: -- -- $0
Closed Date: -- -- --
Account Rating: -- -- Transferred
Account Description: -- -- Individual
Dispute Status: -- -- Account not disputed
Creditor Type: -- -- Mortgage Companies - Finance
Account Status: -- -- Closed
Payment Status: -- -- Current
Creditor Remarks: -- -- Account transferred or sold
Real Estate Mortgage
Payment Amount: -- -- $0
Last Payment: -- -- 8/1/2013
Term Length: -- -- --
Past Due Amount: -- -- $0
Account Type: -- -- Real estate mortgage
Payment Frequency: -- -- --
Credit Limit: -- -- $0

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Two-Year Payment History

Transunion
NONE REPORTED
Transunion® Experian® Equifax®
Experian
NONE REPORTED
470 468 467
Equifax

Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

'2017

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: -- 60: -- 90: -- 30: -- 60: -- 90: -- 30: 0 60: 0 90: 0

Revolving Accounts: Accounts with an open-end term

UNVL/CITI
Transunion® Experian® Equifax®
Account # -- -- 549113******
High Balance: -- -- $21,800
Last Verified: -- -- --
Date of Last Activity: -- -- 7/1/2009
Date Reported: -- -- 12/1/2015
Date Opened: -- -- 7/1/2004
Balance Owed: -- -- $0
Closed Date: -- -- --
Account Rating: -- -- Paid
Account Description: -- -- Individual
Dispute Status: -- -- Account disputed
Creditor Type: -- -- National Credit Card
Companies
Account Status: -- -- Closed
Payment Status: -- -- Current
Creditor Remarks: -- -- Consumer disputes this
account information
Closed or paid account/zero
balance
Payment Amount: -- -- $0

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Last Payment: -- -- 7/1/2009

Term Length: -- -- --
Past Due Amount: -- -- $0
Account Type:Transunion® -- -- ®
Experian -- Equifax®
Payment Frequency: -- -- --
Credit Limit: 470 -- 468 -- $0 467
Two-Year Payment History

Transunion
NONE REPORTED

Experian
NONE REPORTED

Equifax

Nov Dec '2014 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2015 Feb Mar Apr May Jun Jul Aug Sep

Oct

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: -- 60: -- 90: -- 30: -- 60: -- 90: -- 30: 0 60: 0 90: 0

CBNA
Transunion® Experian® Equifax®
Account # 426938********** 426938********** 426938**********
High Balance: $5,224 $5,224 $5,000
Last Verified: 10/3/2023 -- --
Date of Last Activity: 8/14/2023 9/1/2023 6/1/2023
Date Reported: 10/3/2023 10/4/2023 10/1/2023
Date Opened: 12/22/2020 12/1/2020 12/1/2020
Balance Owed: $5,224 $5,224 $5,224
Closed Date: 8/14/2023 -- --
Account Rating: Closed Closed Closed
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account disputed
Creditor Type: Commercial Banks All Banks All Banks
Account Status: Closed Closed Closed

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Payment Status: Late 90 Days Late 90 Days Late 90 Days

Creditor Remarks: Canceled by credit grantor Account has been closed due Consumer disputes -
to inactivity. reinvestigation in progress
Accounts closed by credit
Transunion® Experian® grantorEquifax®
Payment Amount: $96 $96 $96
Last Payment:

Term Length:
470 5/28/2023
--
468 5/28/2023
--
467
6/1/2023
--
Past Due Amount: $244 $244 $244
Account Type: Credit Card Credit Card --
Payment Frequency: -- -- --
Credit Limit: $5,000 $5,000 $0

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

60
Sep

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60
Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug Sep

90
Oct

Equifax
30
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

60
Aug

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 1 60: 1 90: 0 30: 1 60: 1 90: 1 30: 1 60: 1 90: 0

SYNCB/LAZBOY
Transunion® Experian® Equifax®
Account # 603461********** 603461****** 603461**********
High Balance: $1,523 $1,523 $0

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Last Verified: 10/3/2023 -- --

Date of Last Activity: 10/3/2023 10/1/2023 10/1/2023
Date Reported: 10/3/2023 10/3/2023 10/1/2023
Date Opened: Transunion® 11/27/2022 Experian ®
11/1/2022 Equifax®
11/1/2022
Balance Owed: $1,296 $1,296 $1,296
Closed Date: 470 -- 468 -- -- 467
Account Rating: Open Open Open
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Miscellaneous Finance Sales Financing Sales Financing
Account Status: Open Open Open
Payment Status: Current Current Current
Creditor Remarks: -- -- Charge
Amount in H/C column is credit
limit
Payment Amount: $37 $37 $37
Last Payment: 9/26/2023 9/26/2023 10/1/2023
Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Charge account Charge account Charge account
Payment Frequency: -- -- --
Credit Limit: $1,440 $1,440 $1,440

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

OK
Sep

Experian
OK OK OK OK OK OK OK OK OK OK
Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug Sep

OK
Oct

Equifax

Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

Aug

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Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0
Transunion® Experian® Equifax®

BRCLYGAP
470 468 467
Transunion® Experian® Equifax®
Account # 000395********* 000395********* 395534******
High Balance: $11,840 $11,840 $0
Last Verified: 9/27/2023 -- --
Date of Last Activity: 9/27/2023 9/1/2023 9/1/2023
Date Reported: 9/27/2023 9/27/2023 9/1/2023
Date Opened: 2/28/2012 2/1/2012 2/1/2012
Balance Owed: $10,862 $10,862 $10,862
Closed Date: -- -- --
Account Rating: Open Open Open
Account Description: Authorized User Authorized User Authorized User
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Miscellaneous Banks Bank Credit Cards All Banks
Account Status: Open Open Open
Payment Status: Current Current Current
Creditor Remarks: -- -- Amount in H/C column is credit
limit
Flexible spending credit card
Payment Amount: $179 $179 $179
Last Payment: 9/6/2023 9/6/2023 9/1/2023
Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Flexible spending credit card Credit Card Flexible spending credit card
Payment Frequency: -- -- --
Credit Limit: $10,800 $10,800 $10,800

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

OK
Aug

Experian

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OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

OK
Sep Transunion® Experian® Equifax®

Equifax
470 468 467
Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun

Jul

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

SYNCB/GAPDC
Transunion® Experian® Equifax®
Account # 447994********** -- --
High Balance: $3,672 -- --
Last Verified: 2/23/2018 -- --
Date of Last Activity: 6/1/2014 -- --
Date Reported: 2/23/2018 -- --
Date Opened: 2/28/2012 -- --
Balance Owed: $0 -- --
Closed Date: 6/1/2014 -- --
Account Rating: Closed -- --
Account Description: Authorized User -- --
Dispute Status: Account not disputed -- --
Creditor Type: Bank Credit Cards -- --
Account Status: Closed -- --
Payment Status: Current -- --
Creditor Remarks: Credit card lost or stolen -- --
Payment Amount: $0 -- --
Last Payment: 5/18/2014 -- --
Term Length: -- -- --
Past Due Amount: $0 -- --
Account Type: Credit Card -- --
Payment Frequency: -- -- --

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Credit Limit: $5,600 -- --

Two-Year Payment History

Transunion Transunion® Experian® Equifax®

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

470 468
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2017 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
467
OK
'2018

Experian
NONE REPORTED

Equifax
NONE REPORTED

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: -- 60: -- 90: -- 30: -- 60: -- 90: --

SYNCB/GAPDC
Transunion® Experian® Equifax®
Account # 447994********** -- 447994******
High Balance: $11,471 -- $0
Last Verified: 3/26/2017 -- --
Date of Last Activity: 3/26/2017 -- 3/1/2017
Date Reported: 3/26/2017 -- 3/1/2017
Date Opened: 2/28/2012 -- 2/1/2012
Balance Owed: $0 -- $0
Closed Date: -- -- --
Account Rating: Open -- Open
Account Description: Authorized User -- Authorized User
Dispute Status: Account not disputed -- Account not disputed
Creditor Type: Bank Credit Cards -- National Credit Card
Companies
Account Status: Open -- Open
Payment Status: Current -- Current
Creditor Remarks: -- -- Credit card
Amount in H/C column is credit
limit
Payment Amount: $0 -- $341

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Last Payment: 3/15/2017 -- 3/1/2017

Term Length: -- -- --
Past Due Amount: $0 -- $0
Account Type:Transunion® Credit Card -- ®
Experian Card ®
Credit Equifax
Payment Frequency: -- -- --
Credit Limit: 470 $10,800 468 -- $10,800467
Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2017

OK
Feb

Experian
NONE REPORTED

Equifax

Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

'2017

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: -- 60: -- 90: -- 30: 0 60: 0 90: 0

JPMCB CARD
Transunion® Experian® Equifax®
Account # 414720********** -- 414720******
High Balance: $28,088 -- $0
Last Verified: 5/17/2017 -- --
Date of Last Activity: 5/17/2017 -- 4/1/2017
Date Reported: 5/17/2017 -- 4/1/2017
Date Opened: 10/4/2013 -- 10/1/2013
Balance Owed: $0 -- $0
Closed Date: -- -- --
Account Rating: Open -- Open
Account Description: Terminated -- Authorized User

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Dispute Status: Account not disputed -- Account not disputed

Creditor Type: Bank Credit Cards -- National Credit Card
Companies
Account Status: Open -- Open
Transunion® Experian® Equifax®
Payment Status: Current -- Current
Creditor Remarks:
470 --
468 --
467
Flexible spending credit card
Amount in H/C column is credit
limit
Payment Amount: $0 -- $605
Last Payment: 5/12/2017 -- 4/1/2017
Term Length: -- -- --
Past Due Amount: $0 -- $0
Account Type: Flexible spending credit card -- Flexible spending credit card
Payment Frequency: -- -- --
Credit Limit: $23,300 -- $23,300

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
May Jun Jul Aug Sep Oct Nov Dec '2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2017 Feb Mar

OK
Apr

Experian
NONE REPORTED

Equifax

Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2017

Feb

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: -- 60: -- 90: -- 30: 0 60: 0 90: 0

KOHLS/CAPONE
Transunion® Experian® Equifax®
Account # 639305********** 639305********** 639305**********
High Balance: $181 $181 $0

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Last Verified: 9/11/2023 -- --

Date of Last Activity: 9/12/2022 9/1/2023 9/1/2022
Date Reported: 9/11/2023 9/11/2023 9/1/2023
Date Opened: Transunion® 7/28/2022 Experian ®
7/1/2022 Equifax®
7/1/2022
Balance Owed: $0 $0 $0
Closed Date: 470 -- 468 -- -- 467
Account Rating: Open Open Open
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Complete Department Stores - Complete Department Stores - Complete Department Stores -
Clothing Clothing Clothing
Account Status: Open Open Open
Payment Status: Current Current Current
Creditor Remarks: -- -- Charge
Amount in H/C column is credit
limit
Payment Amount: $0 $0 $0
Last Payment: 9/12/2022 9/12/2022 9/1/2022
Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Charge account Charge account Charge account
Payment Frequency: -- -- --
Credit Limit: $300 $300 $300

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

OK
Aug

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

OK
Sep

Equifax

Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun

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Jul

Days Late - 7 Year History

Transunion® Experian® Equifax®
Transunion® Experian® Equifax®
30: 0
47060: 0 90: 0 30: 0
468 60: 0 90: 0 30: 0
467
60: 0 90: 0

KOHLS/CAPONE
Transunion® Experian® Equifax®
Account # -- 639305********** --
High Balance: -- $148 --
Last Verified: -- -- --
Date of Last Activity: -- 3/1/2021 --
Date Reported: -- 3/5/2021 --
Date Opened: -- 2/1/2014 --
Balance Owed: -- $0 --
Closed Date: -- -- --
Account Rating: -- Paid --
Account Description: -- Individual --
Dispute Status: -- Account not disputed --
Creditor Type: -- Complete Department Stores - --
Clothing
Account Status: -- Closed --
Payment Status: -- Current --
Creditor Remarks: -- Account has been closed due --
to inactivity.
Payment Amount: -- $0 --
Last Payment: -- 2/4/2019 --
Term Length: -- -- --
Past Due Amount: -- $0 --
Account Type: -- Charge account --
Payment Frequency: -- -- --
Credit Limit: -- $800 --

Two-Year Payment History

Transunion
NONE REPORTED

Experian
OK OK 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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Apr May Jun Jul Aug Sep Oct Nov Dec '2020 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2021 Feb

Mar
Transunion® Experian® Equifax®
Equifax
NONE REPORTED
470 468 467
Days Late - 7 Year History

Transunion® Experian® Equifax®

30: -- 60: -- 90: -- 30: 0 60: 0 90: 0 30: -- 60: -- 90: --

TD BANK N.A.
Transunion® Experian® Equifax®
Account # 483950********** 483950********** 483950**********
High Balance: $10,054 $10,054 $0
Last Verified: 9/25/2023 -- --
Date of Last Activity: 9/25/2023 9/1/2023 9/1/2023
Date Reported: 9/25/2023 9/25/2023 9/1/2023
Date Opened: 10/6/2016 10/1/2016 10/1/2016
Balance Owed: $5,254 $5,254 $5,254
Closed Date: -- -- --
Account Rating: Open Open Open
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Miscellaneous Banks Bank Credit Cards All Banks
Account Status: Open Open Open
Payment Status: Current Current Current
Creditor Remarks: -- -- Credit card
Amount in H/C column is credit
limit
Payment Amount: $164 $164 $164
Last Payment: 9/22/2023 9/22/2023 9/1/2023
Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Credit Card Credit Card Credit Card
Payment Frequency: -- -- --
Credit Limit: $5,600 $5,600 $5,600

Two-Year Payment History

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Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

30 Transunion® Experian® Equifax®

Aug

Experian 470 468 467

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

OK
Sep

Equifax

Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun

30
Jul

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 1 60: 0 90: 0 30: 1 60: 0 90: 0 30: 1 60: 0 90: 0

JPMCB CARD
Transunion® Experian® Equifax®
Account # 426684********** 426684****** 426684******
High Balance: $1,212 $1,212 $0
Last Verified: 9/19/2023 -- --
Date of Last Activity: 9/19/2023 9/1/2023 9/1/2023
Date Reported: 9/19/2023 9/19/2023 9/1/2023
Date Opened: 10/22/2016 10/1/2016 10/1/2016
Balance Owed: $1,178 $1,178 $1,178
Closed Date: -- -- --
Account Rating: Open Open Open
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Bank Credit Cards Bank Credit Cards National Credit Card
Companies
Account Status: Open Open Open
Payment Status: Current Current Current
Creditor Remarks: -- -- Credit card
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Amount in H/C column is credit
limit
Payment Amount: $40 $40 $40
Last Payment: 9/15/2023 9/15/2023 9/1/2023
Transunion® Experian® Equifax®
Term Length: -- -- --
Past Due Amount:
Account Type: 470 $0
Credit Card 468 $0
Credit Card
$0
467
Credit Card
Payment Frequency: -- -- --
Credit Limit: $1,200 $1,200 $1,200

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

OK
Aug

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

OK
Sep

Equifax

Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun

Jul

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

JPMCB CARD
Transunion® Experian® Equifax®
Account # 414720********** -- --
High Balance: $6,074 -- --
Last Verified: 4/24/2017 -- --
Date of Last Activity: 4/24/2017 -- --

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Date Reported: 4/24/2017 -- --

Date Opened: 12/30/2013 -- --
Balance Owed: $0 -- --
Closed Date: Transunion® -- -- ®
Experian -- Equifax®
Account Rating: Open -- --
470
Account Description: Terminated 468 -- -- 467
Dispute Status: Account not disputed -- --
Creditor Type: Bank Credit Cards -- --
Account Status: Open -- --
Payment Status: Current -- --
Creditor Remarks: -- -- --
Payment Amount: $0 -- --
Last Payment: 4/16/2017 -- --
Term Length: -- -- --
Past Due Amount: $0 -- --
Account Type: Flexible spending credit card -- --
Payment Frequency: -- -- --
Credit Limit: $6,000 -- --

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Apr May Jun Jul Aug Sep Oct Nov Dec '2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2017 Feb

OK
Mar

Experian
NONE REPORTED

Equifax
NONE REPORTED

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: -- 60: -- 90: -- 30: -- 60: -- 90: --

SYNCB/CARECR
Transunion® Experian® Equifax®
Account # 601918********** 601918****** 601918**********

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High Balance: $2,000 $2,000 $3,000

Last Verified: 1/9/2023 -- --
Date of Last Activity: 4/16/2019 9/1/2022 4/1/2019
Date Reported:Transunion® 1/9/2023 ®
9/30/2022
Experian Equifax®
1/1/2023
Date Opened: 9/8/2017 9/1/2017 9/1/2017
Balance Owed: 470 $0 468 $0 $0 467
Closed Date: 9/30/2022 -- --
Account Rating: Paid Paid Paid
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Miscellaneous Finance All Banks Sales Financing
Account Status: Closed Closed Closed
Payment Status: Current Current Current
Creditor Remarks: Closed -- Closed or paid account/zero
balance
Charge
Payment Amount: $0 $0 $0
Last Payment: 4/16/2019 4/16/2019 4/1/2019
Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Charge account Charge account Charge account
Payment Frequency: -- -- --
Credit Limit: $3,000 $3,000 $0

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
'2021 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov

OK
Dec

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Oct Nov Dec '2021 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug

Sep

Equifax

Dec '2021 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct

Nov

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Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 ®
Transunion 90: 0 30: 0 60: 0 ®
Experian 90: 0 30: 0 60: 0 ®
Equifax 90: 0

470 468 467

JPMCB CARD
Transunion® Experian® Equifax®
Account # 414720********** 414720****** 414720******
High Balance: $17,652 $17,652 $0
Last Verified: 9/18/2023 -- --
Date of Last Activity: 9/18/2023 9/1/2023 9/1/2023
Date Reported: 9/18/2023 9/18/2023 9/1/2023
Date Opened: 1/3/2017 1/1/2017 1/1/2017
Balance Owed: $15,607 $15,607 $15,607
Closed Date: -- -- --
Account Rating: Open Open Open
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Bank Credit Cards Bank Credit Cards National Credit Card
Companies
Account Status: Open Open Open
Payment Status: Current Current Current
Creditor Remarks: -- -- Amount in H/C column is credit
limit
Flexible spending credit card
Payment Amount: $536 $536 $536
Last Payment: 9/15/2023 9/15/2023 9/1/2023
Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Flexible spending credit card Credit Card Flexible spending credit card
Payment Frequency: -- -- --
Credit Limit: $14,500 $14,500 $14,500

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

OK
Aug

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Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

OK Transunion® Experian® Equifax®

Sep

Equifax 470 468 467

Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun

Jul

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

MACYS/CBNA
Transunion® Experian® Equifax®
Account # 603534********** 603534********** 603534**********
High Balance: $380 $380 $600
Last Verified: 4/8/2022 -- --
Date of Last Activity: 7/4/2019 1/1/2022 7/1/2019
Date Reported: 4/8/2022 1/8/2022 4/1/2022
Date Opened: 1/5/2017 1/1/2017 1/1/2017
Balance Owed: $0 $0 $0
Closed Date: 1/7/2022 -- --
Account Rating: Paid Paid Paid
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Complete Department Stores - Miscellaneous Department and Complete Department Stores -
Clothing Variety Stores Clothing
Account Status: Closed Closed Closed
Payment Status: Current Current Current
Creditor Remarks: Canceled by credit grantor Account has been closed due Closed or paid account/zero
to inactivity. balance
Accounts closed by credit
grantor
Payment Amount: $0 $0 $0
Last Payment: 7/4/2019 7/4/2019 7/1/2019
Term Length: -- -- --

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Past Due Amount: $0 $0 $0

Account Type: Charge account Charge account --
Payment Frequency: -- -- --
Credit Limit: Transunion® $600 $600
Experian ® $0 Equifax®

470
Two-Year Payment History
468 467
Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Apr May Jun Jul Aug Sep Oct Nov Dec '2021 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2022 Feb

OK
Mar

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2021 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

'2022

Equifax

Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2021 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2022

Feb

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

JPMCB CARD
Transunion® Experian® Equifax®
Account # 464018********** -- --
High Balance: $3,425 -- --
Last Verified: 5/9/2017 -- --
Date of Last Activity: 5/9/2017 -- --
Date Reported: 5/9/2017 -- --
Date Opened: 8/23/2012 -- --
Balance Owed: $0 -- --
Closed Date: -- -- --
Account Rating: Open -- --

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Account Description: Terminated -- --

Dispute Status: Account not disputed -- --
Creditor Type: Bank Credit Cards -- --
Transunion®
Account Status: Open -- ®
Experian -- Equifax®
Payment Status: Current -- --
Creditor Remarks: 470 -- 468 -- -- 467
Payment Amount: $0 -- --
Last Payment: 4/11/2017 -- --
Term Length: -- -- --
Past Due Amount: $0 -- --
Account Type: Flexible spending credit card -- --
Payment Frequency: -- -- --
Credit Limit: $3,500 -- --

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
May Jun Jul Aug Sep Oct Nov Dec '2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2017 Feb Mar

OK
Apr

Experian
NONE REPORTED

Equifax
NONE REPORTED

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: -- 60: -- 90: -- 30: -- 60: -- 90: --

SYNCB/PCRICH
Transunion® Experian® Equifax®
Account # 601917********** 601917****** 601917******
High Balance: $728 $728 $4,500
Last Verified: 9/10/2023 -- --
Date of Last Activity: 4/20/2023 9/1/2023 4/1/2023
Date Reported: 9/10/2023 9/10/2023 9/1/2023
Date Opened: 8/10/2018 8/1/2018 8/1/2018

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Balance Owed: $0 $0 $0
Closed Date: 9/10/2023 -- --
Account Rating: Paid Paid Paid
Transunion®
Account Description: Individual Experian ®
Individual Equifax®
Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: 470 Bank Credit Cards 468 Bank Credit Cards 467
Sales Financing
Account Status: Closed Closed Closed
Payment Status: Current Current Current
Creditor Remarks: Canceled by credit grantor Account has been closed due Closed or paid account/zero
to inactivity. balance
Accounts closed by credit
grantor
Payment Amount: $0 $0 $0
Last Payment: 4/20/2023 4/20/2023 4/1/2023
Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Charge account Charge account --
Payment Frequency: -- -- --
Credit Limit: $4,500 $4,500 $0

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

OK
Aug

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

Sep

Equifax

Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun

Jul

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

https://www.smartcredit.com/member/credit-report/3b/?printReport=true&serviceBundleFulfillmentId=b6eac2c1-2257-4c57-8ad1-3b76c313a34e 28/43
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AMEX
Transunion® Experian® Equifax®
Transunion® Experian® Equifax®
Account #
High Balance:
470 349992**********
$0
468 349992**********
$991
--
--
467
Last Verified: 9/6/2023 -- --
Date of Last Activity: 8/9/2023 9/1/2023 --
Date Reported: 9/6/2023 9/6/2023 --
Date Opened: 7/2/2013 7/1/2013 --
Balance Owed: $0 $0 --
Closed Date: 8/9/2023 -- --
Account Rating: Closed Closed --
Account Description: Terminated Terminated --
Dispute Status: Account not disputed Account not disputed --
Creditor Type: Bank Credit Cards Bank Credit Cards --
Account Status: Closed Closed --
Payment Status: Current Current --
Creditor Remarks: Canceled by credit grantor Account has been closed due --
to inactivity.
Payment Amount: $0 $0 --
Last Payment: -- -- --
Term Length: -- -- --
Past Due Amount: $0 $0 --
Account Type: Credit Card Credit Card --
Payment Frequency: -- -- --
Credit Limit: $0 $1,000 --

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

OK
Aug

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

Sep

https://www.smartcredit.com/member/credit-report/3b/?printReport=true&serviceBundleFulfillmentId=b6eac2c1-2257-4c57-8ad1-3b76c313a34e 29/43
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Equifax
NONE REPORTED

Days Late - 7 Year History

Transunion® Experian® Equifax®
Transunion ® Experian® Equifax®
30: 0 47060: 0 90: 0 30: 0 46860: 0 90: 0 30: -- 467 60: -- 90: --

SYNCB/LOW
Transunion® Experian® Equifax®
Account # 798192********** 798192****** 798192******
High Balance: $1,407 $1,407 $1,380
Last Verified: 9/29/2023 -- --
Date of Last Activity: 9/29/2023 9/1/2023 9/1/2023
Date Reported: 9/29/2023 9/29/2023 9/1/2023
Date Opened: 4/26/2023 4/1/2023 4/1/2023
Balance Owed: $1,277 $1,277 $1,277
Closed Date: 9/29/2023 -- --
Account Rating: Closed Closed Closed
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Hardware Stores Miscellaneous Hardware Stores
Lumber/Hardware
Account Status: Closed Closed Closed
Payment Status: Current Current Current
Creditor Remarks: Canceled by credit grantor Account has been closed due Accounts closed by credit
to inactivity. grantor
Charge
Payment Amount: $41 $41 $41
Last Payment: 9/22/2023 9/22/2023 9/1/2023
Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Charge account Charge account Charge account
Payment Frequency: -- -- --
Credit Limit: $1,380 $1,380 $0

Two-Year Payment History

Transunion
OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

https://www.smartcredit.com/member/credit-report/3b/?printReport=true&serviceBundleFulfillmentId=b6eac2c1-2257-4c57-8ad1-3b76c313a34e 30/43
10/16/23, 12:34 PM 3-Bureau Credit Report & Scores | SmartCredit

OK
Aug

Experian
Transunion® Experian® OK Equifax
®
OK OK OK OK
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug
470 468 467
Sep

Equifax

Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun

Jul

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

AMEX/CBNA
Transunion® Experian® Equifax®
Account # 377481********* 377481********* 377481*********
High Balance: $1,999 $1,999 $0
Last Verified: 9/25/2023 -- --
Date of Last Activity: 5/22/2023 9/1/2023 5/1/2023
Date Reported: 9/25/2023 9/26/2023 9/1/2023
Date Opened: 4/20/2023 4/1/2023 4/1/2023
Balance Owed: $0 $0 $0
Closed Date: -- -- --
Account Rating: Open Open Open
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Bank Credit Cards Bank Credit Cards All Banks
Account Status: Open Open Open
Payment Status: Current Current Current
Creditor Remarks: -- -- Credit card
Amount in H/C column is credit
limit
Payment Amount: $0 $0 $0
Last Payment: 5/22/2023 5/22/2023 5/1/2023

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Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Credit Card Credit Card Credit Card
Transunion®
Payment Frequency: -- -- ®
Experian -- Equifax®
Credit Limit: $300 $300 $300
470
Two-Year Payment History
468 467
Transunion
OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

OK
Aug

Experian
OK OK OK OK OK
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

OK
Sep

Equifax

Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun

Jul

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

BRCLYSBANKDE
Transunion® Experian® Equifax®
Account # 000183********* 000183********* 183695**
High Balance: $5,479 $5,479 $0
Last Verified: 9/25/2015 -- --
Date of Last Activity: 7/10/2015 9/1/2015 6/1/2015
Date Reported: 9/25/2015 9/26/2015 6/1/2015
Date Opened: 6/27/2013 6/1/2013 6/1/2013
Balance Owed: $0 $0 $0
Closed Date: 7/10/2015 -- --

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Account Rating: Paid Paid Open

Account Description: Authorized User Authorized User Authorized User
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type:Transunion® Miscellaneous Banks Bank
Experian ® Credit Cards Equifax®
All Banks
Account Status: Closed Closed Open
Payment Status: 470 Current 468 Current Current467
Creditor Remarks: Account closed by consumer Credit line closed - consumer Amount in H/C column is credit
request - reported by limit
subscriber.
Payment Amount: $0 $0 $25
Last Payment: 7/10/2015 7/10/2015 6/1/2015
Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Credit Card Credit Card --
Payment Frequency: -- -- --
Credit Limit: $7,700 $7,700 $7,700

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Sep Oct Nov Dec '2014 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2015 Feb Mar Apr May Jun Jul

OK
Aug

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Oct Nov Dec '2014 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2015 Feb Mar Apr May Jun Jul Aug

Sep

Equifax

May Jun Jul Aug Sep Oct Nov Dec '2014 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2015 Feb Mar

Apr

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

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SYNCB/PCRICH
Transunion® Experian® Equifax®
Transunion® Experian® Equifax®
Account #
High Balance:
470 601917**********
$2,360
468 601917******
$2,360
467
601917******
$2,500
Last Verified: 9/27/2023 -- --
Date of Last Activity: 9/27/2023 9/1/2023 9/1/2023
Date Reported: 9/27/2023 9/27/2023 9/1/2023
Date Opened: 3/23/2023 3/1/2023 3/1/2023
Balance Owed: $2,167 $2,167 $2,167
Closed Date: 9/27/2023 -- --
Account Rating: Closed Closed Closed
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Bank Credit Cards Bank Credit Cards Sales Financing
Account Status: Closed Closed Closed
Payment Status: Current Current Current
Creditor Remarks: Canceled by credit grantor Account has been closed due Accounts closed by credit
to inactivity. grantor
Charge
Payment Amount: $84 $84 $84
Last Payment: 9/27/2023 9/27/2023 9/1/2023
Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Charge account Charge account Charge account
Payment Frequency: -- -- --
Credit Limit: $2,500 $2,500 $0

Two-Year Payment History

Transunion
OK OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

30
Aug

Experian
OK OK OK OK OK 30
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

Sep

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Equifax

Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun
Transunion® Experian® Equifax®
30

470 468 467

Jul

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 1 60: 0 90: 0 30: 1 60: 0 90: 0 30: 1 60: 0 90: 0

EXXMBLCITI
Transunion® Experian® Equifax®
Account # 730241****** 730241********** 730241**********
High Balance: $1,607 $1,607 $900
Last Verified: 9/22/2023 -- --
Date of Last Activity: 8/31/2023 9/1/2023 9/1/2023
Date Reported: 9/22/2023 9/23/2023 9/1/2023
Date Opened: 6/7/2017 6/1/2017 6/1/2017
Balance Owed: $1,001 $1,001 $1,001
Closed Date: 8/31/2023 -- --
Account Rating: Closed Closed Closed
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Bank Credit Cards Oil Company Credit Cards Oil Company Credit Cards
Account Status: Closed Closed Closed
Payment Status: Current Current Current
Creditor Remarks: Canceled by credit grantor Account has been closed due Accounts closed by credit
to inactivity. grantor
Credit card
Payment Amount: $77 $77 $77
Last Payment: 9/21/2023 9/21/2023 9/1/2023
Term Length: -- -- --
Past Due Amount: $0 $0 $0
Account Type: Credit Card Credit Card Credit Card
Payment Frequency: -- -- --
Credit Limit: $900 $900 $0

Two-Year Payment History

Transunion
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OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

30
Aug Transunion® Experian® Equifax®

Experian
470 468
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30
467
Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul Aug

Sep

Equifax

Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun

30
Jul

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 1 60: 0 90: 0 30: 1 60: 0 90: 0 30: 1 60: 0 90: 0

Installment Accounts: Accounts comprised of fixed terms with regular payments

ALLY FINCL
Transunion® Experian® Equifax®
Account # 227983****** 227983****** 227983******
High Balance: $65,488 $65,488 $65,488
Last Verified: 5/13/2023 -- --
Date of Last Activity: 5/13/2023 5/1/2023 4/1/2023
Date Reported: 5/13/2023 5/13/2023 5/1/2023
Date Opened: 9/29/2020 9/1/2020 9/1/2020
Balance Owed: $0 $0 $0
Closed Date: 5/13/2023 -- --
Account Rating: Closed Paid Paid
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account disputed
Creditor Type: Auto Financing Auto Financing Auto Financing
Account Status: Closed Closed Open
Payment Status: Current Current Current

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Creditor Remarks: Closed -- Consumer disputes -

reinvestigation in progress
Payment Amount: $0 $0 $0
Last Payment: 4/20/2023 4/20/2023 4/1/2023
Transunion® Experian® Equifax®
Term Length: 84 Month(s) 84 Month(s) 84 Month(s)
Past Due Amount:
Account Type:
470 $0
Auto Loan
468 $0
Auto Loan
$0
--
467
Payment Frequency: Monthly (every month) -- --
Credit Limit: $0 $0 $0

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK 30 30 OK OK OK OK OK OK OK OK OK OK OK
May Jun Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar

OK
Apr

Experian
OK OK OK OK OK OK OK OK OK 30 30 OK OK OK OK OK OK OK OK OK OK OK OK
Jun Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr

May

Equifax
30 30
Apr May Jun Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb

Mar

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 2 60: 0 90: 0 30: 2 60: 0 90: 0 30: 2 60: 0 90: 0

KIA FIN AM
Transunion® Experian® Equifax®
Account # 191429**** 191429**** 191429****
High Balance: $6,940 $6,940 $6,940
Last Verified: 4/15/2021 -- --
Date of Last Activity: 4/15/2021 5/1/2021 6/1/2021

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Date Reported: 4/15/2021 5/31/2021 6/1/2021

Date Opened: 5/16/2019 5/1/2019 5/1/2019
Balance Owed: $0 $0 $0
Closed Date: Transunion® 4/15/2021 -- ®
Experian -- Equifax®
Account Rating: Closed Paid Paid
470
Account Description: Individual 468 Individual 467
Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Auto Financing Auto Financing Auto Financing
Account Status: Closed Closed Closed
Payment Status: Current Current Current
Creditor Remarks: Early termination; obligation -- Closed or paid account/zero
satisfied balance
Auto
Payment Amount: $0 $0 $0
Last Payment: 6/15/2021 5/14/2021 6/1/2021
Term Length: 24 Month(s) 24 Month(s) 24 Month(s)
Past Due Amount: $0 $0 $0
Account Type: Auto Lease Lease Auto Loan
Payment Frequency: Monthly (every month) -- --
Credit Limit: $0 $0 $0

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Apr May Jun Jul Aug Sep Oct Nov Dec '2020 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2021 Feb

OK
Mar

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Jun Jul Aug Sep Oct Nov Dec '2020 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2021 Feb Mar Apr

May

Equifax

May Jun Jul Aug Sep Oct Nov Dec '2020 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2021 Feb Mar

Apr

Days Late - 7 Year History

Transunion® Experian® Equifax®

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30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

Transunion® Experian® Equifax®

TOYOTA MTR

470 Transunion® 468 Experian® 467

Equifax®
Account # 20372T**** 20372T**** 20372T****
High Balance: $16,777 $16,777 $16,777
Last Verified: 8/31/2018 -- --
Date of Last Activity: 8/31/2018 8/1/2018 8/1/2018
Date Reported: 8/31/2018 8/31/2018 10/1/2018
Date Opened: 9/2/2016 9/1/2016 9/1/2016
Balance Owed: $0 $0 $0
Closed Date: 8/31/2018 -- --
Account Rating: Closed Paid Paid
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Auto Finance Sales Financing Auto Financing
Account Status: Closed Closed Closed
Payment Status: Current Current Current
Creditor Remarks: Closed -- Closed or paid account/zero
balance
Auto
Payment Amount: $0 $0 $0
Last Payment: 8/2/2018 8/2/2018 8/1/2018
Term Length: 24 Month(s) 24 Month(s) 24 Month(s)
Past Due Amount: $0 $0 $0
Account Type: Auto Lease Lease Auto Loan
Payment Frequency: Monthly (every month) -- --
Credit Limit: $0 $0 $0

Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Aug Sep Oct Nov Dec '2017 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2018 Feb Mar Apr May Jun

OK
Jul

Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Sep Oct Nov Dec '2017 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2018 Feb Mar Apr May Jun Jul

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Aug

Equifax

Transunion® Experian® Equifax®

Sep Oct Nov Dec '2017 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2018 Feb Mar Apr May Jun Jul

Aug
470 468 467
Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

TOYOTA MTR
Transunion® Experian® Equifax®
Account # 20372W**** 20372W**** 20372W****
High Balance: $18,867 $18,867 $18,867
Last Verified: 10/30/2020 -- --
Date of Last Activity: 10/30/2020 10/1/2020 10/1/2020
Date Reported: 10/30/2020 10/30/2020 11/1/2020
Date Opened: 8/10/2018 8/1/2018 8/1/2018
Balance Owed: $0 $0 $0
Closed Date: 10/30/2020 -- --
Account Rating: Closed Paid Paid
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Auto Finance Auto Financing Auto Financing
Account Status: Closed Closed Closed
Payment Status: Current Current Current
Creditor Remarks: Closed -- Closed or paid account/zero
balance
Auto
Payment Amount: $0 $0 $0
Last Payment: 10/18/2020 10/18/2020 10/1/2020
Term Length: 27 Month(s) 27 Month(s) 27 Month(s)
Past Due Amount: $0 $0 $0
Account Type: Auto Lease Lease Auto Loan
Payment Frequency: Monthly (every month) -- --
Credit Limit: $0 $0 $0

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Two-Year Payment History

Transunion
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Transunion
Oct Nov Dec ® Mar Apr May Jun Jul AugExperian
'2019 Feb Sep Oct® Nov Dec '2020 Feb Mar Apr May Jun® Jul Aug
Equifax

OK
Sep 470 468 467
Experian
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Nov Dec '2019 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2020 Feb Mar Apr May Jun Jul Aug Sep

Oct

Equifax

Oct Nov Dec '2019 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2020 Feb Mar Apr May Jun Jul Aug

Sep

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 0 60: 0 90: 0 30: 0 60: 0 90: 0

STELLANTIS
Transunion® Experian® Equifax®
Account # 330002*** 330002*** 330002***
High Balance: $56,060 $56,060 $56,060
Last Verified: 8/31/2023 -- --
Date of Last Activity: 8/31/2023 8/1/2023 8/1/2023
Date Reported: 8/31/2023 8/31/2023 8/1/2023
Date Opened: 4/14/2023 4/1/2023 4/1/2023
Balance Owed: $52,651 $52,651 $52,651
Closed Date: -- -- --
Account Rating: Open Open Open
Account Description: Individual Individual Individual
Dispute Status: Account not disputed Account not disputed Account not disputed
Creditor Type: Auto Financing Auto Financing Auto Financing
Account Status: Open Open Open

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Payment Status: Late 30 Days Late 30 Days Late 30 Days

Creditor Remarks: -- -- Auto
Lease
Payment Amount: $1,167 $1,167 $1,167
Transunion® Experian® Equifax®
Last Payment: 7/14/2023 7/14/2023 8/1/2023
Term Length:
Past Due Amount:
470 48 Month(s)
$1,164
468 48 Month(s)
$1,164
--
$1,164
467
Account Type: Auto Lease Lease Auto Loan
Payment Frequency: Monthly (every month) -- --
Credit Limit: $0 $0 $0

Two-Year Payment History

Transunion
OK OK OK
Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun

OK
Jul

Experian
OK OK OK OK
Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May Jun Jul

30
Aug

Equifax

Jul Aug Sep Oct Nov Dec '2022 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '2023 Feb Mar Apr May

Jun

Days Late - 7 Year History

Transunion® Experian® Equifax®

30: 0 60: 0 90: 0 30: 1 60: 0 90: 0 30: 0 60: 0 90: 0

Public Information
None Reported

Inquiries

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Creditor Name Date of Inquiry Credit Bureau

KOHLS/CAPONE 7/28/2022 Experian
SYNCB/LOWES 3/22/2023 TransUnion
NORTHEAST ®
US BANK DS Transunion 3/10/2023 Experian® Experian Equifax®
US BANK DS NORTHEAST 3/9/2023 Experian
CHRYSLER CAPITAL 470 3/9/2023 468 Experian 467
SYNCB 3/23/2023 TransUnion
SYNCB 11/26/2022 TransUnion
STELLANTIS 4/13/2023 Equifax
SYNCB/LOWES 4/26/2023 TransUnion
SYNCB/LOWES 4/26/2023 Experian

Creditor Contacts Show

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