Prepared For

experian. LAVONDA HARRINGTON

Personal & confidential
Date generated: Apr 22, 2024

At a glance

FICO® Score 8
Apr 22, 2024

300 850
Good

Account summary Overall credit usage Debt summary

Open accounts 6 Credit card and credit line debt$240
Self-reported accounts 0 Self-reported account balance $0
Accounts ever late 0 Loan debt $29,391
Closed accounts 0 Collections debt $0
Collections 0 Total debt $29,631
Average 4 yrs 7 mos
account age
Credit used: $240
Oldest account 14 yrs 8 mos Credit limit: $950
experian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

Personal information
Name Addresses Employers
LAVONDA HARRINGTON 5775 W ROOSEVELT ST APT UNIVAR SOLUTIONS
239
Also known as PHOENIX, AZ 85043-0005 BANK OF AMERICA
LAVONDA HARRAGON
6312 W HESS ST
LAVONDA N GUERRERO PHOENIX, AZ 85043-5762

Generational identifier 1 031 S STEWART APT 2092

MESA, AZ 85202-8833

Year of birth
1991

Personal statements
No Statement(s) present at this time
 Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

Open accounts

CHIME/STRIDE BANK NA $0
Exceptional payment history Balance updated Jan 03, 2024

Account info

Account name CHIME/STRIDE BANK NA Balance $0

Account number 237102XXXXXX Balance updated Jan 03, 2024

Original creditor - Credit limit -

- Company sold - Credit usage -

Account type Secured Card Monthly payment $0

Date opened Apr 24, 2020 Last Payment Date Sep 01, 2021
Open/closed Open Highest balance $506
Status Open/Never late. Terms 1 Month

Status updated Jan 2024 Responsibility Individual

Your statement -

$ Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - - - - -
2023
2022
2021
2020 - - - - - - -
Current / Terms met - Data Unavailable

|S| Contact info

Address 324 W BROADWAY AVE
ENID,
OK 73701

Phone number (580) 233-3535

[?| Comments
Texpenan Prepared For LAV0NDA HARRINGTON Date generated: Apr 22, 2024

CREDIT ONE BANK NA $240

Exceptional payment history Balance updated Apr 16, 2024

Account info

Account name
CREDIT ONE BANK NA Balance $240
Account number
444796XXXXXXXXXX Balance updated Apr 16, 2024
Original creditor
- Credit limit $450
Company sold
- Credit usage 53%
Account type
Credit card Monthly payment $30
Date opened
Jun 05, 2022 Last Payment Date Apr 14, 2024
Open/closed
Open Highest balance $480
Status
Open/Never late. Terms -
Status updated
Apr 2024 Responsibility Individual
Your statement -

$ Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024
2023
2022

Current / Terms met - Data Unavailable

fS) Contact info

Address PO BOX 98875 LAS VEGAS,
NV 89193

Phone number (702) 269-1000

[?| Comments
Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

DEPT OF EDUCATION/NELN $956

Exceptional payment history Balance updated Mar 31, 2024

Account info

Account name
DEPT OF EDUCATION/NELN Balance $956
Account number
900000XXXXXXXXX Balance updated Mar 31, 2024
Original creditor
- Original balance $936
Company sold
- Paid off 0%
Account type
Education Monthly payment $9
Date opened
Feb 18, 2022 Last Payment Date Aug 26, 2023
Open/closed
Open Terms 120 Months
Status
Open/Never late. Responsibility Individual
Status updated -
Mar 2024 Your statement

$ Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
ND y
2024
2023

Current / Terms met ND No data for this period - Data Unavailable

Contact info

Address 121 S13TH ST LINCOLN,

NE 68508

Phone number (888) 486-4722

[7| Comments
Texpenan Prepared For LAV0NDA HARRINGTON Date generated: Apr 22, 2024

DEPT OF EDUCATION/NELN $15,775

Exceptional payment history Balance updated Mar 31, 2024

Account info

Account name
DEPT OF EDUCATION/NELN Balance $15,775
Account number
900000XXXXXXXXX Balance updated Mar 31, 2024
Original creditor
- Original balance $14,997
Company sold
- Paid off 0%
Account type
Education Monthly payment $0
Date opened
Nov 07, 2019 Last Payment Date Mar 26, 2024
Open/closed
Open Terms 300 Months
Status
Open/Never late. Responsibility Individual
Status updated -
Mar 2024 Your statement

$ Payment history

Jan
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 y
2023

Current / Terms met

- Data Unavailable

fS) Contact info

Address
121 S13TH ST LINCOLN,
NE 68508
Phone number (888) 486-4722

p| Comments
Texpenan Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

EXETER FINANCE LLC $12,660

Exceptional payment history
Balance updated Mar 31, 2024

Account info

Account name EXETER FINANCE LLC Balance $12,660

Account number 680681 XXXXXXXXXXX Balance updated Mar 31, 2024

Original creditor - Original balance $14,976

Company sold - Paid off 15%

Account type Auto Loan Monthly payment $436

Date opened Mar 11, 2020 Last Payment Date Feb 21, 2024
Open/closed Open Terms 79 Months
Status Open. Responsibility Individual
Status updated Nov 2023 Your statement -

5 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 -
2023 z 30 30 30
2022 z 30
2021 30 30
2020 - 30

•/ Current / Terms met 30 Past due 30 days - Data Unavailable

§ Contact info
Address PO BOX 166097 IRVING,
TX75016

Phone number By mail only

[Z| Comments
Texpenan Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

KIKOFF LENDING LLC $0

1 late payment Balance updated Mar 31, 2024

Account info

Account name KIKOFF LENDING LLC Balance $0

Account number CLFHRKXXXX Balance updated Mar 31, 2024
Original creditor - Credit limit $500
Company sold - Credit usage 0%
Account type Charge Card Monthly payment $0
Date opened May 29, 2022 Last Payment Date Jun 14, 2023
Open/closed Open Highest balance $24
Status Open. Terms -
Status updated Jun 2023 Responsibility Individual
Your statement -

$ Payment history

Jan
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024
2023
2022

Current / Terms met

30 Past due 30 days - Data Unavailable

Contact info

Address
PO BOX 40070 RENO,
NV 89504
Phone number (775) 993-6992

Comments
Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

AXCSSFN/CNGO Closed
Exceptional payment history

Account info

Account name AXCSSFN/CNGO Balance -

Account number 414716XX Balance updated -

Original creditor - Original balance $500

Company sold - Monthly payment -

Account type Secured Loan Last Payment Date Feb 10, 2016
Date opened Jan 15, 2016 Terms 6 Months

Open/closed Closed Responsibility Individual

Status Paid, Closed/Never late. Your statement -

Status updated Feb 2016

$ Payment history

2016
Jan Feb
CLS-
Mar Apr
-
May
-
Jun
_ _
Jul
_
Aug
___
Sep
Oct Nov Dec

CLS Closed - Data Unavailable

r=?i Contact info

Address 7755 MONTGOMERY RD
STE 4 CINCINNATI,
OH 45236

Phone number (888) 296-2274

[7| Comments
Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

CAPITAL ONE $4
4 late payments Closed

a Account info

Account name CAPITAL ONE Balance $4

Account number 517805XXXXXX Balance updated Apr 13, 2024
Original creditor - Credit limit $200
Company sold - Monthly payment $2
Account type Credit card Last Payment Date Feb 23, 2024
Date opened May 21, 2021 Highest balance $340
Open/closed Closed Terms

Status Closed. Responsibility Individual

Status updated Feb 2024 Your statement

5 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 60 90 CLS CLS - - - - - -
2023 >/ </ V >/ 30 >/ 30
2022 >/ -/ V >/ >/ >/ •/ >/

2021 - - - - - •Y -/ >/

Current / Terms met CLS Closed 30 Past due 30 days

60 Past due 60 days 90 Past due 90 days - Data Unavailable

|S| Contact info

Address PO BOX 31293 SALT LAKE
CITY,
UT 84131

Phone number (800) 955-7070

|?| Comments
Account closed at credit grantor's request
zexpenan Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

CASH TIME TITLE LOANS Closed

Exceptional payment history

Account info

Account name CASH TIME TITLE LOANS Balance -

Account number 116124XXXX Balance updated -

Original creditor - Original balance $400

Company sold - Monthly payment -

Account type Secured Loan Last Payment Date Apr 20, 2021

Date opened Dec 16, 2020 Terms 6 Months

Open/closed Closed Responsibility Individual

Status Paid, Closed/Never late. Your statement -

Status updated Apr 2021

$ Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021 •/ >Z \Z CLS - - - - - - - -

Current / Terms met CLS Closed - Data Unavailable

r=?i Contact info

Address PO BOX 23153 PHOENIX,
AZ 85063

Phone number (602) 433-4090

P| Comments
Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

FEB DESTINY/CCI $0
5 potentially negative months Closed

a Account info

Account name FEB DESTINY/CCI Balance $0

Account number 532211XXXXXXXXXX Balance updated Feb 22, 2024
Original creditor - Credit limit $700
Company sold - Monthly payment -

Account type Credit card Last Payment Date Jul 16, 2023
Date opened Jan 04, 2023 Highest balance $1,467
Open/closed Closed Terms -

Status Account charged off. $1,467 Responsibility Individual

written off. Your statement -

Status updated Feb 2024

$ Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 150 CO - - - - - - - - -
y vZ >/ S >/ \Z 30 60 90 120
2023

Current / Terms met CO Charge off 30 Past due 30 days

60 Past due 60 days 90 Past due 90 days 120 Past due 120 days

150 Past due 150 days - Data Unavailable

Contact info

Address 14600 NW GREENBRIER

PKWY BEAVERTON,
OR 97006

Phone number (800) 583-5698

[7] Comments
Purchased by another lender
 ILJI I. Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

U S DEPT OF ED/GSL/ATL
closer
1 potentially negative month

, A Account info

Account name U S DEPT OF ED/GSL/ATL Balance -

Account number 458419XX Balance updated -

Original creditor FFEL LOAN PURCHASES 2009 2010 Original balance $2,000
Company sold - Monthly payment -

Account type Education Last Payment Date Nov 01, 2019

Date opened Aug 26, 2009 Terms 36 Months

Open/closed Closed Responsibility Individual

Status Paid, Closed. Your statement -

Status updated Dec 2019

$ Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 - - - - - - - - - - - C

C Collection - Data Unavailable

r=?i Contact info

Address PO BOX 4222 IOWA CITY,
IA 52244

Phone number

P| Comments
Student loan assigned to government
Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

U S DEPT OF ED/GSL/ATL
Closed
1 potentially negative month

[=£ Account info

Account name U S DEPT OF ED/GSL/ATL Balance -

Account number 43361 5XX Balance updated -

Original creditor DIRECT LOANS Original balance $189

Company sold - Monthly payment -

Account type Education Last Payment Date Nov 08, 2019

Date opened Dec 27, 2016 Terms 36 Months

Open/closed Closed Responsibility Individual
Status Paid, Closed. Your statement -

Status updated Dec 2019

$ Payment history

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

C Collection - Data Unavailable

r=?i Contact info

Address PO BOX 4222 IOWA CITY,
IA 52244

Phone number

P| Comments
Student loan assigned to government
 ILJI I. Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

U S DEPT OF ED/GSL/ATL
closer
1 potentially negative month

Account info

Account name U S DEPT OF ED/GSL/ATL Balance -

Account number 458419XX Balance updated -

Original creditor FFEL LOAN PURCHASES 2009 2010 Original balance $3,500
Company sold - Monthly payment -

Account type Education Last Payment Date Nov 01, 2019

Date opened Aug 13, 2009 Terms 36 Months

Open/closed Closed Responsibility Individual

Status Paid, Closed. Your statement -

Status updated Dec 2019

$ Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 - - - - - - - - - - - C

C Collection - Data Unavailable

r=?i Contact info

Address PO BOX 4222 IOWA CITY,
IA 52244

Phone number

P| Comments
Student loan assigned to government
Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

U S DEPT OF ED/GSL/ATL
Closed
1 potentially negative month

[=£ Account info

Account name U S DEPT OF ED/GSL/ATL Balance -

Account number 43361 5XX Balance updated -

Original creditor DIRECT LOANS Original balance $2,997

Company sold - Monthly payment -

Account type Education Last Payment Date Nov 01, 2019

Date opened Aug 14, 2015 Terms 36 Months

Open/closed Closed Responsibility Individual
Status Paid, Closed. Your statement -

Status updated Dec 2019

$ Payment history

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

C Collection - Data Unavailable

r=?i Contact info

Address PO BOX 4222 IOWA CITY,
IA 52244

Phone number

P| Comments
Student loan assigned to government
Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

U S DEPT OF ED/GSL/ATL
Closed
1 potentially negative month

[=£ Account info

Account name U S DEPT OF ED/GSL/ATL Balance -

Account number 43361 5XX Balance updated -

Original creditor DIRECT LOANS Original balance $1,750

Company sold - Monthly payment -

Account type Education Last Payment Date Nov 01, 2019

Date opened Aug 14, 2015 Terms 36 Months

Open/closed Closed Responsibility Individual
Status Paid, Closed. Your statement -

Status updated Dec 2019

$ Payment history

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

C Collection - Data Unavailable

r=?i Contact info

Address PO BOX 4222 IOWA CITY,
IA 52244

Phone number

P| Comments
Student loan assigned to government
!experian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

US DEPT OF ED/GLELSI Closed

Exceptional payment history

[=£ Account info

Account name US DEPT OF ED/GLELSI Balance -
Account number 179379XXXX Balance updated -

Original creditor - Original balance $936

Company sold - Monthly payment -

Account type Education Last Payment Date Apr 01, 2023

Date opened Feb 18, 2022 Terms -

Open/closed Closed Responsibility Individual
Status Transferred,closed/Never late. Your statement -

Status updated May 2023

$ Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 7 CLS

2022

•/ Current / Terms met CLS Closed - Data Unavailable

Contact info

Address PO BOX 7860 MADISON,

Wl 53707
Phone number (800) 236-4300

[7| Comments
Account closed due to transfer
zexpenan Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

US DEPT OF ED/GLELSI Closed

Exceptional payment history

[=£ Account info

Account name US DEPT OF ED/GLELSI Balance -
Account number 179377XXXX Balance updated -

Original creditor - Original balance $14,997

Company sold - Monthly payment -

Account type Education Last Payment Date Apr 01, 2023

Date opened Nov 07, 2019 Terms -

Open/closed Closed Responsibility Individual
Status Transferred,closed/Never late. Your statement -

Status updated May 2023

$ Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 xZ xZ xZ xZ CLS - - - - - - -

2022 xZ ND ND ND ND ND xZ xZ x/ xZ xZ
2021 xZ V xZ -/ xZ xZ xZ xZ -/ xZ •/ x/

2020 xZ xZ •/ xZ xZ xZ xZ •/ xZ \/ xZ
2019 - - - - - - - - - - -/ xZ

•/ Current / Terms met ND No data for this period CLS Closed

- Data Unavailable

|U| Contact info

Address PO BOX 7860 MADISON,
Wl 53707

Phone number (800) 236-4300

[Z| Comments
Account closed due to transfer
Texpenan Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

Collection accounts
BERLIN WHEELER INC $1,190
Original creditor: COX COMMUNICATIONS Closed

Account info

Account name BERLIN WHEELER INC Balance $1,190

Account number 123248XXXX Balance updated Apr 15, 2024

Original creditor COX COMMUNICATIONS Original balance $1,190

Company sold - Monthly payment -

Account type Collection Past due amount $1,190

Date opened Sep 05, 2023 Terms 1 Month

Status Collection account. $1,190 Responsibility Individual

past due as of Apr 2024. -
Your statement
Status updated Sep 2023

$ Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 c C C C - -

2023 c C C

C Collection - Data Unavailable

|S| Contact info

Address 2942A SW WANAMAKER DR

ST TOPEKA,
KS 66614 TOPEKA,
KS 66614

Phone number (785) 271-1000

Pl Comments
Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

LVNV FUNDING LLC $737

Original creditor: SURGE CELTIC BANK Closed

[=£ Account info

Account name LVNV FUNDING LLC Balance $737
Account number 534636XXXXXXXXXX Balance updated Apr 03, 2024
Original creditor SURGE CELTIC BANK Original balance $737
Company sold - Monthly payment -

Account type Debt Buyer Past due amount $737

Date opened Dec 27, 2023 Terms 1 Month

Status Collection account. $737 past Responsibility Individual

due as of Apr 2024. Your statement -

Status updated Dec 2023

$ Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 C C ------- -

C Collection - Data Unavailable

|S| Contact info

Address PO BOX 1269 GREENVILLE,
SC 29602 GREENVILLE,
SC 29602

Phone number (866) 464-1183

|7| Comments
Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

Public records
No public records reported.
Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

Inquiries

700 CREDIT/LIFTED TRUC AXCESS FINANCIAL SERVI CAP ONE NA

Inquired on May 4, 2022 Inquired on Apr 1 5, 2022 Inquired on Nov 23, 2022

Business Type: Automobile Dealers, Used Business Type: Personal Loan Companies Business Type: Bank Credit Cards

7050 W BELL RD 7755 MONTGOMERY RD STE 4 PO BOX 30281

GLENDALE, AZ 85308 CINCINNATI, OH 45236 SALT LAKE CITY, UT 84130

(623) 688-8950 (513) 336-7735 (800) 227-4825

This inquiry is scheduled to continue on This inquiry is scheduled to continue on This inquiry is scheduled to continue on
record until Jun 2024 record until May 2024 record until Dec 2024

CONTINENTAL FINANCE/CE CREDIT ONE BANK NA EXETER FINANCE LLC/WCG

Inquired on Apr 2, 2023 Inquired on Jun 1, 2022 Inquired on May 4, 2022

Business Type: Bank Credit Cards Business Type: Bank Credit Cards Business Type: Auto Financing Companies

4550 NEW LINDEN HILL RD PO BOX 98875 21 01 W JOHN CARPENTER FW

WILMINGTON, DE 19808 LAS VEGAS, NV 89193 IRVING, TX 75063

(302) 456-1930 (702) 269-1 000 (214) 572-8278

This inquiry is scheduled to continue on This inquiry is scheduled to continue on This inquiry is scheduled to continue on
record until May 2025 record until Jul 2024 record until Jun 2024

JPMCB CARD JPMCB CARD NCCINC/GATEWAY CHEVROL

Inquired on Oct 24, 2022 Inquired on Jul 4, 2022 Inquired on Aug 12, 2023

Business Type: Bank Credit Cards Business Type: Bank Credit Cards Business Type: Automobile Dealers, New

PO BOX 15077 PO BOX 1 5077 9901 W PAPAGO FWY

WILMINGTON, DE 19850 WILMINGTON, DE 19850 AVONDALE, AZ 85323

(800) 453-9719 (800) 453-9719 (623) 428-1910

This inquiry is scheduled to continue on This inquiry is scheduled to continue on This inquiry is scheduled to continue on
record until Nov 2024 record until Aug 2024 record until Sep 2025

NCCINC/GATEWAY CHEVROL NOWCOM/WESTLAKE FINANC ONEAZ CREDIT UNION

Inquired on Aug 11, 2023 Inquired on May 4, 2022 Inquired on Sep 20, 2023

Business Type: Automobile Dealers, New Business Type: Automobile Dealers, Used Business Type: Credit Unions

9901 W PAPAGO FWY 4751 WILSHIRE BLVD 2355 W PINNACLE PEAK RD

AVONDALE, AZ 85323 LOS ANGELES, CA 90010 PHOENIX, AZ 85027

(623) 428-1910 (888) 739-9192 (602) 452-4800

This inquiry is scheduled to continue on This inquiry is scheduled to continue on This inquiry is scheduled to continue on
record until Sep 2025 record until Jun 2024 record until Oct 2025

ONEAZ CREDIT UNION REVVI/MRVBANKS/VT

Inquired on Jun 21,2022 Inquired on Jul 21, 2023

Business Type: Credit Unions Business Type: All Banks - non specific

2355 W PINNACLE PEAK RD 2700 SOUTH LAKE LORRAINE

PHOENIX, AZ 85027 SIOUX FALLS, SD 57106

(602) 452-4800 (573) 883-8222

This inquiry is scheduled to continue on This inquiry is scheduled to continue on

record until Jul 2024 record until Aug 2025
• You've made heavy use of your available revolving credit.
• Ratio of your revolving balances to your credit limits: 54%

• For FICO High Achievers, the average ratio of the revolving account balances to credit limits is less than 7%.

• The FICO® Score evaluates balances in relation to available credit on revolving accounts. The extent of a person's credit usage is one of the most
important factors considered by a FICO® Score. People who keep their ratio of balances to credit limits lower are generally considered less risky to
lenders than those with higher ratios. Note, consolidating or moving debt from one account to another will usually not change the total amount owed.
Texperian Prepared For LAVONDA HARRINGTON Date generated: Apr 22, 2024

Disclaimer

About your FICO® Score 8 or other FICO® Scores

Your FICO® Score 8 powered by Experian data is formulated using the information in your credit file at the time it is requested. Many but not all
lenders use FICO® Score 8. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as
FICO® Auto Scores and FICO® Bankcard Scores). The other FICO® Scores made available are calculated from versions of the base and
industry-specific FICO® Score models.

Base FICO® Scores (including the FICO® Score 8) range from 300 to 850. Industry-specific FICO® Scores range from 250-900. Higher scores
represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower FICO® Score
indicates to lenders that you may be a higher credit risk. There are many scoring models used in the marketplace. The type of score used, and
its associated risk levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose: to
summarize your creditworthiness. Keep in mind that your score is just one factor used in the application process. Other factors, such as your
annual salary and length of employment, may also be considered by lenders when you apply for a loan.

What this means to you:

Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of
credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American
consumers through reduced costs and losses for lenders. Your lender or insurer may use a different FICO® Score than FICO® Score 8 or other
base or industry-specific FICO® Scores provided by us, or different scoring models to determine how you score.