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Your credit is in fair shape

Report date: Jan 26, 2024

638
Your credit rating

FAIR
300 850
VantageScore 3.0

Personal info

Reported names Josue R Valencia Addresses Date reported

Valencia Josue
505 Avery St, San Bernardino, CA, 924041704 Mar 31, 2020

DOB 1992-03-10
2378 N State St, San Bernardino, CA, 924076544 Jul 28, 2020

SSN XXX-XX-0993
751 1600 Rd, Delta, CO, 814163336 Dec 19, 2016

Employment info Lanter Delivery Systems

Inkkalifornia Staffing (

Account summary

Balances Payments Open accounts Closed accounts

$75,575 $1,991 10 9

Total accounts 19 Collections 0

Open accounts 10 Balances $75,575

Closed accounts 9 Payments $1,991

Delinquent 1 Public records 0

Derogatory 1 Inquiries (2 years) 14

Hide all summary

Accounts
We gathered all of the accounts listed on your Experian report for you. Click on any account to learn
more about your history and how to plan for tomorrow.

7 0 6 0 6
Credit cards Real estate Auto loans Student loans Other

Credit Cards

KOHLS/CAPONE $0.00
Reported: Jan 23, 2024 In good standing

Overview Account details

You’re currently using 0% of your account's limit.

Account Number 639305XXXXXXXXXX
Balance: $0.00 Credit limit: $300.00 Account Status Open

Open Date Dec 23, 2021

Payment history

You've made 100% of payments for this account on time. Last Activity Jan 1, 2024

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Type Charge Account

2024 OK Responsibility Individual

2023 OK OK OK OK OK OK OK OK OK OK OK OK
Remarks T his Is An Account In Good Standing
2022 OK OK OK OK OK OK OK OK OK OK OK OK

Times 30/60/90 Days Late 0/0/0

OK 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 Months Reviewed 25

Repossession or
BR Bankruptcy RF foreclosure
CC Collection or charge off Term Source Type

VS Voluntary surrender N/A No data available

High Balance $91.00

Monthly Payment Amount $0.00 High Credit $300.00

Current Payment Status As Agreed

Creditor information

Amount Past Due KOHLS/CAPONE

N56 RIDGEWOOD DR
MENOMONEE FAL, WI 53051
(262) 703-7000

Account ID:
54473f5a061029f33f85c7fd0cd39f7b

WELLS FARGO BANK $498.00

Reported: Jan 18, 2024 In good standing

Overview Account details

You’re currently using 100% of your account's limit.

Account Number 442644XXXX

Account Status Open

Balance: $498.00 Credit limit: $500.00

Open Date Apr 13, 2014

Payment history
Last Activity Jan 1, 2024
You've made 100% of payments for this account on time.

Type Credit Card

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2024 OK Responsibility Individual

2023 OK OK OK OK OK OK OK OK OK OK OK OK Remarks T his Is An Account In Good Standing

2022 OK OK OK OK OK OK OK OK OK OK OK OK
Times 30/60/90 Days Late 0/0/0
2021 OK OK OK OK OK OK OK OK OK OK OK OK

Months Reviewed 84
2020 OK OK OK OK OK OK OK OK OK OK OK OK

2019 OK OK OK OK OK OK OK OK OK OK OK OK Term Source Type Provided

2018 OK OK OK OK OK OK OK OK OK OK OK OK
High Balance $508.00
2017 OK OK OK OK OK OK OK OK OK OK OK
High Credit $500.00
OK 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
Creditor information
Repossession or
BR Bankruptcy RF foreclosure
CC Collection or charge off WELLS FARGO BANK
PO BOX 393
VS Voluntary surrender N/A No data available MINNEAPOLIS, MN 55480
(800) 642-4720

Monthly Payment Amount $25.00

Account ID:
Current Payment Status As Agreed
6956cb9f533ca3731eb94997a1b045ec

Amount Past Due

CAPITAL ONE $2,061.00

Reported: Jan 12, 2024 In good standing
Overview Account details

You’re currently using 69% of your account's limit.

Account Number 517805XXXXXX

Account Status Open

Balance: $2,061.00 Credit limit: $3,000.00

Open Date May 26, 2018

Payment history
Last Activity Jan 1, 2024
You've made 100% of payments for this account on time.

Type Credit Card

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2024 OK Responsibility Individual

2023 OK OK OK OK OK OK OK OK OK OK OK OK Remarks T his Is An Account In Good Standing

2022 OK OK OK OK OK OK OK OK OK OK OK OK
Times 30/60/90 Days Late 0/0/0
2021 OK OK OK OK OK OK OK OK OK OK OK OK

Months Reviewed 68
2020 OK OK OK OK OK OK OK OK OK OK OK OK

2019 OK OK OK OK OK OK OK OK OK OK OK OK Term Source Type Provided

2018 OK OK OK OK OK OK OK
High Balance $3,069.00

OK Paid on time 30 30 days past due 60 60 days past due

High Credit $3,000.00
90 90 days past due 120 120 days past due 150 150 days past due

Repossession or
BR Bankruptcy RF foreclosure
CC Collection or charge off
Creditor information

VS Voluntary surrender N/A No data available CAPITAL ONE

PO BOX 31293
SALT LAKE CITY, UT 84131
Monthly Payment Amount $95.00 (800) 955-7070

Current Payment Status As Agreed

Account ID:

Amount Past Due e9f74d40d072262f3f6ba72695ec52cc

BARCLAYS BANK/OLD NAVY $0.00

Reported: Jan 7, 2024 In good standing

Overview Account details

You’re currently using 0% of your account's limit.

Account Number 000471XXXXXXXXX

Account Status Open

Balance: $0.00 Credit limit: $400.00

Open Date Feb 28, 2021

Payment history
Last Activity Jan 1, 2024
You've made 100% of payments for this account on time.

Type Charge Account

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2024 OK Responsibility Individual

2023 OK OK OK OK OK OK OK OK OK OK OK OK Remarks T his Is An Account In Good Standing

2022 OK OK OK OK OK OK OK OK OK OK OK OK
Times 30/60/90 Days Late 0/0/0
2021 OK OK OK OK OK OK OK OK OK OK

Months Reviewed 35
OK 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 Term Source Type

Repossession or
BR Bankruptcy RF CC Collection or charge off High Balance $174.00
foreclosure

VS Voluntary surrender N/A No data available

High Credit $400.00

Monthly Payment Amount $0.00

Creditor information

Current Payment Status As Agreed BARCLAYS BANK/OLD NAVY

125 S WEST ST
Amount Past Due WILMINGTON, DE 19801
(888) 232-0780

Account ID:
dec02030d111f539e3b1f7d58eb364f1
NAVY FEDERAL CR UNION $1,407.00
Reported: Dec 26, 2023 In good standing

Overview Account details

You’re currently using 94% of your account's limit.

Account Number XXXX

Account Status Open

Balance: $1,407.00 Credit limit: $1,500.00

Open Date Jun 29, 2020

Payment history
Last Activity Dec 1, 2023
You've made 100% of payments for this account on time.

Type Credit Card

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 OK OK OK OK OK OK OK OK OK OK OK OK Responsibility Individual

2022 OK OK OK OK OK OK OK OK OK OK OK OK Remarks T his Is An Account In Good Standing

2021 OK OK OK OK OK OK OK OK OK OK OK OK
Times 30/60/90 Days Late 0/0/0
2020 OK OK OK OK OK OK

Months Reviewed 42
OK 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 Term Source Type Provided

Repossession or
BR Bankruptcy RF foreclosure
CC Collection or charge off High Balance $1,463.00

VS Voluntary surrender N/A No data available

High Credit $1,500.00

Monthly Payment Amount $35.00

Creditor information

Current Payment Status As Agreed NAVY FEDERAL CR UNION

PO BOX 3700
Amount Past Due MERRIFIELD, VA 22119
(888) 842-6328

Account ID:
92b8b5a3d39c373e6f52700ee7599142

BANK OF AMERICA $0.00

Reported: Jun 9, 2021 Closed

Overview Account details

You’re currently using 0% of your account's limit.

Account Number XXXX

Account Status Closed

Balance: $0.00 Credit limit: $2,000.00

Open Date Apr 24, 2015

Payment history
Last Activity Jun 1, 2021
You've made 100% of payments for this account on time.

Type Credit Card

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2021 OK OK OK OK OK OK Responsibility Individual

2020 OK OK OK OK OK OK OK OK OK OK OK OK Remarks Account Closed At Consumer's Request

2019 OK OK OK OK OK OK OK OK OK OK OK OK
Times 30/60/90 Days Late 0/0/0
2018 OK OK OK OK OK OK OK OK OK OK OK OK

Months Reviewed 74
2017 OK OK OK OK OK OK OK OK OK OK OK OK

2016 OK OK OK OK OK OK OK OK OK OK OK OK Term Source Type

2015 OK OK OK OK OK OK OK OK
High Balance $2,463.00

OK Paid on time 30 30 days past due 60 60 days past due

High Credit $2,000.00
90 90 days past due 120 120 days past due 150 150 days past due

Repossession or
BR Bankruptcy RF foreclosure
CC Collection or charge off
Creditor information

VS Voluntary surrender N/A No data available BANK OF AMERICA

PO BOX 982238
EL PASO, TX 79998
Monthly Payment Amount $0.00 (800) 421-2110

Current Payment Status As Agreed

Account ID:

Amount Past Due 466b0d60b8d0d731c1e0ef94878017e8

 COMENITYCB/ZALES $0.00
Reported: Mar 31, 2018 Closed

Overview Account details

You’re currently using 0% of your account's limit.

Account Number 578097XXXXXXXXXX

Account Status Closed

Balance: $0.00 Credit limit: $2,000.00

Open Date Mar 31, 2017

Payment history
Last Activity Mar 1, 2018
You've made 92% of payments for this account on time.

Type Charge Account

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 OK OK OK Responsibility Individual

2017 OK OK OK OK OK OK OK OK OK 30 Remarks Account Closed At Credit Grantor's Request

OK Paid on time 30 30 days past due 60 60 days past due

Times 30/60/90 Days Late 1/0/0
90 90 days past due 120 120 days past due 150 150 days past due
Months Reviewed 13
Repossession or
BR Bankruptcy RF CC Collection or charge off
foreclosure

Term Source Type

VS Voluntary surrender N/A No data available

High Balance $963.00

Monthly Payment Amount $0.00
High Credit $2,000.00
Current Payment Status As Agreed

Amount Past Due Creditor information

COMENITYCB/ZALES
PO BOX 182120
COLUMBUS, OH 43218

Account ID:

a9e02765daf8a0fa3f7f336bec6e14b2

Auto loans

NAVY FEDERAL CR UNION $24,828.00

Reported: Dec 30, 2023 In good standing

Overview Account details

You have 97% left to pay on this loan.

Account Number 430015XXXXX

Account Status Open

Balance: $24,828.00 Highest balance: $25,701.00

Open Date Aug 1, 2023

Payment history
Last Activity Dec 1, 2023
You've made 100% of payments for this account on time.

Type Automobile
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 OK OK OK OK OK Responsibility Individual

OK Paid on time 30 30 days past due 60 60 days past due Remarks T his Is An Account In Good Standing

90 90 days past due 120 120 days past due 150 150 days past due
Times 30/60/90 Days Late 0/0/0
Repossession or
BR Bankruptcy RF CC Collection or charge off
foreclosure
Months Reviewed 5
VS Voluntary surrender N/A No data available

Terms Count 72

Monthly Payment Amount $472.00

Term Source Type Provided

Current Payment Status As Agreed

High Balance $25,701.00

Amount Past Due

High Credit

Creditor information

NAVY FEDERAL CR UNION

PO BOX 3700
 MERRIFIELD, VA 22119
(888) 842-6328

Account ID:
beeb67ab60b8e3725f1806197b2ea803

NAVY FEDERAL CR UNION $0.00

Reported: Apr 29, 2023 Closed

Overview Account details

You have 0% left to pay on this loan.

Account Number 430015XXXXX

Account Status Closed

Balance: $0.00 Highest balance: $17,819.00

Open Date Aug 18, 2020

Payment history
Last Activity Apr 1, 2023
You've made 100% of payments for this account on time.

Type Automobile
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 OK OK OK OK Responsibility Individual

2022 OK OK OK OK OK OK OK OK OK OK OK OK Remarks

2021 OK OK OK OK OK OK OK OK OK OK OK OK
Times 30/60/90 Days Late 0/0/0
2020 OK OK OK OK OK

Months Reviewed 33
OK 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 Terms Count 61

Repossession or
BR Bankruptcy RF foreclosure
CC Collection or charge off Term Source Type Provided

VS Voluntary surrender N/A No data available

High Balance $17,819.00

Monthly Payment Amount $0.00 High Credit

Current Payment Status As Agreed

Creditor information

Amount Past Due NAVY FEDERAL CR UNION

PO BOX 3700
MERRIFIELD, VA 22119
(888) 842-6328

Account ID:
b771462c5e53d58877df86302356c995

ALLY FINANCIAL $0.00

Reported: Oct 6, 2020 Closed

Overview Account details

You have 0% left to pay on this loan.

Account Number 611926XXXXXX

Account Status Closed

Balance: $0.00 Highest balance: $32,096.00

Open Date Mar 7, 2017

Payment history
Last Activity Oct 1, 2020
You've made 100% of payments for this account on time.

Type Automobile
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020 OK OK OK OK OK OK OK OK OK OK Responsibility Joint Contractual Liability

2019 OK OK OK OK OK OK OK OK OK OK OK OK Remarks

2018 OK OK OK OK OK OK OK OK OK OK OK OK
Times 30/60/90 Days Late 0/0/0
2017 OK OK OK OK OK OK OK OK OK

Months Reviewed 43
OK 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 Terms Count 72

Repossession or
BR Bankruptcy RF CC Collection or charge off Term Source Type Provided
foreclosure

VS Voluntary surrender N/A No data available

 High Balance $32,096.00

Monthly Payment Amount $0.00

High Credit

Current Payment Status As Agreed

Creditor information
Amount Past Due
ALLY FINANCIAL
200 RENAISSANCE CTR # B0
DETROIT, MI 48243
(800) 200-4622

Account ID:
e2c3a7b71506b9560a6e586c39c9028d

ACIMA DIGITAL FKA SIMP $0.00

Reported: Mar 31, 2020 Closed

Overview Account details

You have 0% left to pay on this loan.

Account Number 206312X

Account Status Closed

Balance: $0.00 Highest balance: $3,529.00

Open Date Apr 19, 2019

Payment history
Last Activity Mar 1, 2020
You've made 100% of payments for this account on time.

Type Lease
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020 OK OK OK Responsibility Individual

2019 OK OK OK OK OK OK OK OK OK Remarks

OK Paid on time 30 30 days past due 60 60 days past due

Times 30/60/90 Days Late 0/0/0
90 90 days past due 120 120 days past due 150 150 days past due
Months Reviewed 12
Repossession or
BR Bankruptcy RF CC Collection or charge off
foreclosure

Terms Count 12
VS Voluntary surrender N/A No data available

Term Source Type Provided

Monthly Payment Amount $0.00
High Balance $3,529.00
Current Payment Status As Agreed
High Credit
Amount Past Due

Creditor information

ACIMA DIGITAL FKA SIMP

13907 S MINUTEMAN DR FL
DRAPER, UT 84020
(801) 297-1982

Account ID:
5b54ff9b28e2502e13d0b84d29bd4f31

WELLS FARGO BANK AUTO $0.00

Reported: Jun 20, 2017 Closed

Overview Account details

You have 0% left to pay on this loan.

Account Number 457457XXXXXXXXXXX

Account Status Closed

Balance: $0.00 Highest balance: $7,669.00

Open Date Nov 16, 2015

Payment history
Last Activity Jun 1, 2017
You've made 100% of payments for this account on time.

Type Automobile
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2017 OK OK OK N/A N/A OK Responsibility Individual

2016 OK OK OK OK OK OK OK OK OK OK OK OK Remarks

2015 OK OK OK OK
Times 30/60/90 Days Late 0/0/0
 OK Paid on time 30 30 days past due 60 60 days past due

Months Reviewed 22
90 90 days past due 120 120 days past due 150 150 days past due

Repossession or Terms Count 36

BR Bankruptcy RF foreclosure
CC Collection or charge off

VS Voluntary surrender N/A No data available Term Source Type Provided

High Balance $7,669.00

Monthly Payment Amount $0.00

High Credit
Current Payment Status As Agreed

Amount Past Due Creditor information

WELLS FARGO BANK AUTO

PO BOX 71092
CHARLOTTE, NC 28272
(800) 289-8004

Account ID:

596111358c07091d4e79545436a5b336

UNITED AUTO CREDIT CO $0.00

Reported: Nov 30, 2015 Closed

Overview Account details

You have 0% left to pay on this loan.

Account Number 100101XXXXXXXXXXX

Account Status Closed

Balance: $0.00 Highest balance: $11,723.00

Open Date Mar 14, 2014

Payment history
Last Activity Nov 1, 2015
You've made 100% of payments for this account on time.

Type Automobile
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2015 OK OK OK OK OK OK OK OK OK OK OK Responsibility Individual

2014 OK OK OK OK OK OK OK OK OK OK Remarks

OK Paid on time 30 30 days past due 60 60 days past due

Times 30/60/90 Days Late 0/0/0
90 90 days past due 120 120 days past due 150 150 days past due
Months Reviewed 21
Repossession or
BR Bankruptcy RF CC Collection or charge off
foreclosure

Terms Count 41
VS Voluntary surrender N/A No data available

Term Source Type Provided

Monthly Payment Amount $0.00
High Balance $11,723.00
Current Payment Status As Agreed
High Credit
Amount Past Due

Creditor information

UNITED AUTO CREDIT CO

1071 CAMELBACK ST STE 10
NEWPORT BEACH, CA 92660
(949) 224-1917

Account ID:

7d2e93767c72cbc9677427787e7d02e0

Other

WF PLL $45.00
Reported: Jan 19, 2024 In good standing

Overview Account details

You have 1% left to pay on this loan.

Account Number 748748XXXX

Account Status Open

Balance: $45.00 Highest balance: $5,094.00
 Open Date Nov 6, 2015

Payment history Last Activity Jan 1, 2024

You've made 100% of payments for this account on time.
Type Check Credit Or Line Of Credit

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Responsibility Individual
2024 OK

Remarks T his Is An Account In Good Standing

2023 OK OK OK OK OK OK OK OK OK OK OK OK

2022 OK OK OK OK OK OK OK OK OK OK OK OK Times 30/60/90 Days Late 0/0/0

2021 OK OK OK OK OK OK OK OK OK OK OK OK
Months Reviewed 84
2020 OK OK OK OK OK OK OK OK OK OK OK OK
Terms Count 0
2019 OK OK OK OK OK OK OK OK OK OK OK OK

2018 OK OK OK OK OK OK OK OK OK OK OK OK Term Source Type Provided

2017 OK OK OK OK OK OK OK OK OK OK OK High Balance $5,094.00

OK Paid on time 30 30 days past due 60 60 days past due

High Credit $5,000.00
90 90 days past due 120 120 days past due 150 150 days past due

Repossession or
BR Bankruptcy RF foreclosure
CC Collection or charge off Creditor information

VS Voluntary surrender N/A No data available

WF PLL
PO BOX 71092
CHARLOTTE, NC 28272
Monthly Payment Amount $45.00 (877) 269-6056

Current Payment Status As Agreed

Account ID:
374f99909ec62c983eda72e1a6bb6ce4
Amount Past Due

SCHOOLSFIRST FCU $20,000.00

Reported: Dec 31, 2023 In good standing

Overview Account details

You have 100% left to pay on this loan.

Account Number 487300XXX

Account Status Open

Balance: $20,000.00 Highest balance: $20,000.00

Open Date Dec 21, 2023

Payment history
Last Activity Dec 1, 2023
You've made 100% of payments for this account on time.

Type Unsecured
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 OK Responsibility Individual

OK Paid on time 30 30 days past due 60 60 days past due Remarks T his Is An Account In Good Standing

90 90 days past due 120 120 days past due 150 150 days past due
Times 30/60/90 Days Late 0/0/0
Repossession or
BR Bankruptcy RF CC Collection or charge off
foreclosure
Months Reviewed 1
VS Voluntary surrender N/A No data available

Terms Count 60

Monthly Payment Amount $478.00

Term Source Type Provided

Current Payment Status As Agreed

High Balance $20,000.00

Amount Past Due

High Credit

Creditor information

SCHOOLSFIRST FCU
PO BOX 11547
SANTA ANA, CA 92711
(714) 258-4000

Account ID:

3d567765998dc5ab79bcbb0f3632ccc0

NAVY FEDERAL CR UNION $17,006.00

Reported: Dec 30, 2023 In good standing
Overview Account details

You have 96% left to pay on this loan.

Account Number 430015XXXXX

Account Status Open

Balance: $17,006.00 Highest balance: $17,729.00

Open Date Jul 5, 2023

Payment history
Last Activity Dec 1, 2023
You've made 100% of payments for this account on time.

Type Unsecured
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 OK OK OK OK OK OK Responsibility Individual

OK Paid on time 30 30 days past due 60 60 days past due Remarks T his Is An Account In Good Standing

90 90 days past due 120 120 days past due 150 150 days past due
Times 30/60/90 Days Late 0/0/0
Repossession or
BR Bankruptcy RF foreclosure
CC Collection or charge off
Months Reviewed 6
VS Voluntary surrender N/A No data available

Terms Count 60

Monthly Payment Amount $451.00

Term Source Type Provided

Current Payment Status As Agreed

High Balance $17,729.00

Amount Past Due

High Credit

Creditor information

NAVY FEDERAL CR UNION

PO BOX 3700
MERRIFIELD, VA 22119
(888) 842-6328

Account ID:

af09a0381180e9c99739c0120ee82856

LENDINGPOINT LLC $9,730.00

Reported: Dec 19, 2023 In good standing

Overview Account details

You have 90% left to pay on this loan.

Account Number LAI007XXXXX

Account Status Open

Balance: $9,730.00 Highest balance: $10,800.00

Open Date Apr 2, 2023

Payment history
Last Activity Dec 1, 2023
You've made 100% of payments for this account on time.

Type Unsecured
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 OK OK OK OK OK N/A N/A N/A OK Responsibility Individual

OK Paid on time 30 30 days past due 60 60 days past due Remarks T his Is An Account In Good Standing

90 90 days past due 120 120 days past due 150 150 days past due
Times 30/60/90 Days Late 0/0/0
Repossession or
BR Bankruptcy RF foreclosure
CC Collection or charge off
Months Reviewed 9
VS Voluntary surrender N/A No data available

Terms Count 48

Monthly Payment Amount $390.00

Term Source Type Provided

Current Payment Status As Agreed

High Balance $10,800.00

Amount Past Due

High Credit

Creditor information

LENDINGPOINT LLC
1201 ROBERTS BLVD NW STE
KENNESAW, GA 30144
(844) 885-8713

Account ID:

30a031415e717bd1158dbaa46a98d556
NAVY FEDERAL CR UNION $0.00
Reported: Jul 31, 2023 Closed

Overview Account details

You have 0% left to pay on this loan.

Account Number 430015XXXXX

Account Status Closed

Balance: $0.00 Highest balance: $25,000.00

Open Date May 16, 2022

Payment history
Last Activity Jul 1, 2023
You've made 100% of payments for this account on time.

Type Unsecured
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 OK OK OK OK OK OK OK Responsibility Individual

2022 OK OK OK OK OK OK OK OK Remarks

OK Paid on time 30 30 days past due 60 60 days past due

Times 30/60/90 Days Late 0/0/0
90 90 days past due 120 120 days past due 150 150 days past due
Months Reviewed 15
Repossession or
BR Bankruptcy RF foreclosure
CC Collection or charge off

Terms Count 61
VS Voluntary surrender N/A No data available

Term Source Type Provided

Monthly Payment Amount $0.00
High Balance $25,000.00
Current Payment Status As Agreed
High Credit
Amount Past Due

Creditor information

NAVY FEDERAL CR UNION

PO BOX 3700
MERRIFIELD, VA 22119
(888) 842-6328

Account ID:

0e2bf2fae3292bd545a2240c6fa04c1d

OPORTUN/PROGRESO FINAN $0.00

Reported: Jan 10, 2015 Closed

Overview Account details

You have 0% left to pay on this loan.

Account Number 91XXXX

Account Status Closed

Balance: $0.00 Highest balance: $525.00

Open Date Jun 14, 2014

Payment history
Last Activity Jan 1, 2015
You've made 100% of payments for this account on time.

Type Unsecured
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2015 OK Responsibility Individual

2014 OK OK OK OK OK OK Remarks

OK Paid on time 30 30 days past due 60 60 days past due

Times 30/60/90 Days Late 0/0/0
90 90 days past due 120 120 days past due 150 150 days past due
Months Reviewed 7
Repossession or
BR Bankruptcy RF foreclosure
CC Collection or charge off

Terms Count 8
VS Voluntary surrender N/A No data available

Term Source Type Provided

Monthly Payment Amount $0.00
High Balance $525.00
Current Payment Status As Agreed
High Credit
Amount Past Due

Creditor information
 OPORTUN/PROGRESO FINAN
3201 DALLAS PKWY STE 700
FRISCO, TX 75034
(866) 488-6090

Account ID:

f3a29b18960a2251afc8c789cdaaa682

Hard inquiries
Hard inquiries usually get added to your credit report when you apply for a new credit account. These inquiries often result in a small dip in your credit score.
Take a look at the latest inquiries on your Experian report to see if any changes have occurred.

SCHOOLSFIRST FCU
Dec 20, 2023
Finance

700/CHAMPION KIA
Aug 3, 2023
Automotive

ALLY FINANCIAL
Aug 3, 2023
Finance

ALLY FINANCIAL C/O GMA

Aug 3, 2023
Finance

SANTANDER CONSUMER USA

Aug 3, 2023
Finance

SCHOOLSFIRST FCU
Jul 29, 2023
Finance

WF PLL
Jul 29, 2023
Banking

CBC/REDLANDS AUTO PLAZ

Jul 2, 2023
Automotive

SCHOOLSFIRST FCU
May 16, 2023
Finance

ONEMAIN
Apr 16, 2023
Finance

PREMIUM CREDIT BUREAU

Apr 5, 2023
Finance

EQUIFAX/EMS NAVY FEDER

Aug 16, 2022
Finance

LENDINGPOINT/FINWISE B
May 14, 2022
Finance

ONEMAIN
May 14, 2022
Finance

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

Clean slate!
You have no collection accounts on your report.
Public records
Anything that can show up on a background check can show up on your credit report and negatively impact your score. This includes things like bankruptcies
and legal judgments.

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

Creditor name Address Phone number

ACIMA DIGITAL FKA SIMP 13907 S MINUTEMAN DR FL, DRAPER, UT 84020 (801) 297-1982

ALLY FINANCIAL 200 RENAISSANCE CTR # B0, DETROIT, MI 48243 (800) 200-4622

BANK OF AMERICA PO BOX 982238, EL PASO, TX 79998 (800) 421-2110

BARCLAYS BANK/OLD NAVY 125 S WEST ST, WILMINGTON, DE 19801 (888) 232-0780

CAPITAL ONE PO BOX 31293, SALT LAKE CITY, UT 84131 (800) 955-7070

COMENIT YCB/ZALES PO BOX 182120, COLUMBUS, OH 43218

KOHLS/CAPONE N56 RIDGEWOOD DR, MENOMONEE FAL, WI 53051 (262) 703-7000

LENDINGPOINT LLC 1201 ROBERTS BLVD NW STE, KENNESAW, GA 30144 (844) 885-8713

NAVY FEDERAL CR UNION PO BOX 3700, MERRIFIELD, VA 22119 (888) 842-6328

OPORT UN/PROGRESO FINAN 3201 DALLAS PKWY STE 700, FRISCO, TX 75034 (866) 488-6090

SCHOOLSFIRST FCU PO BOX 11547, SANTA ANA, CA 92711 (714) 258-4000

UNIT ED AUT O CREDIT CO 1071 CAMELBACK ST STE 10, NEWPORT BEACH, CA 92660 (949) 224-1917

WELLS FARGO BANK PO BOX 393, MINNEAPOLIS, MN 55480 (800) 642-4720

WELLS FARGO BANK AUT O PO BOX 71092, CHARLOTTE, NC 28272 (800) 289-8004

WF PLL PO BOX 71092, CHARLOTTE, NC 28272 (877) 269-6056