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12/5/13, 8:14 AMPrintable Report
Page 5 of 18https://www.myfico.com/report/printablereport.aspx?notemplate=Y&rptid=b174ab25-c84a-4846-9e15-276d476c1ede
Lenders frequently report details about your credit accounts to the credit bureaus. These details typically include the type of account,when you open it, your monthly balance, if and when you missed a payment and the accounts status when you closed it.
Your FICO® score takes into account the open and closed accounts in your credit report. Click “Details” to find out more information.
Accounts
Accounts
Company Account number Date opened Balance Status Negative Indicator?
Sallie Mae XXXXXXXXXXXX1253 8/2007 $20,471 Bad debt/collection
Sallie Mae XXXXXXXXXXXX1261 12/2007 $12,007 Bad debt/collection
Dbk/Glelsi XXXXXX1312 12/2008 $7,178 Pays account as agreed
Edfinsvcs 10/2008 $6,797 Pays account as agreed
Edfinsvcs 9/2008 $6,149 Pays account as agreed
Sallie Mae XXXXXXXXXXXXXXXX0061 10/2006 $5,864 Pays account as agreed No
Sallie Mae XXXXXXXXXXXXXXXX0070 9/2007 $3,756 Pays account as agreed
Dpt Ed/Slm XXXXXXXXXXXXXXXX0091 10/2009 $2,866 Pays account as agreed No
Sallie Mae XXXXXXXXXXXXXXXX0061 10/2006 $2,817 Pays account as agreed No
Edfinsvcs 9/2008 $2,728 Pays account as agreed
Dpt Ed/Slm XXXXXXXXXXXXXXXX0091 10/2009 $1,120 Pays account as agreed No
Edfincslfs XXXXXXXXXXXXX0003 10/2008 $0 Pays account as agreed
Edfincslfs XXXXXXXXXXXXX0002 9/2008 $0 Pays account as agreed
Edfincslfs XXXXXXXXXXXXX0001 9/2008 $0 Pays account as agreed
Chase XXXXXXXX8630 4/2008 $0 Bad debt/collection
Sallie Mae XXXXXXXXXXXXXXXX0091 10/2009 $0 Pays account as agreed No
Sallie Mae XXXXXXXXXXXXXXXX0091 10/2009 $0 Pays account as agreed No
Time Pmt XXXXXXXXXXX2505 5/2011 $10,485 Bad debt/collection
Citi 4/2010 $4,507 Bad debt/collection
Natcreadj 5/2012 $1,351 120+ days past due
Portfolio 8/2012 $660 120+ days past due
MacYsdsnb 3/2007 $282 Bad debt/collection
Bk Of Amer 1/2007 $0 Bad debt/collection
Cap One 10/2010 $0 Bad debt/collection
Cap1/Bstby 12/2007 $0 Bad debt/collection
Ui 7/2008 $0 Pays account as agreed No
Amex 7/2007 $0 Pays account as agreed No
Santander XXXXXXXXXXXXX1000 12/2009 $0 Pays account as agreed No
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Page 6 of 18https://www.myfico.com/report/printablereport.aspx?notemplate=Y&rptid=b174ab25-c84a-4846-9e15-276d476c1ede
Status as of Nov, 2013
Date opened Aug, 2007
Date of last activity Aug, 2011
Account number XXXXXXXXXXXX1253
Largest past balance $17,770
Account Type Installment
Account holder Individual
Scheduled Payment Amount $156
Industry Miscellaneous
Descriptions
Charged off accountStudent loan
No contact information provided by Equifax
Balance Current Status Past Due Amount
$20,471 Bad debt/collection $4,678
Seven year payment history
30 days late 2 times
60 days late 1 time
90+ days late 4 times (Jan 2012, Dec 2011, Nov 2011)
Recent payment history
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10
2011 2012 2013
Legend: Currently paid as agreed
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Nov, 2013
Date opened Dec, 2007
Date of last activity Aug, 2011
Account number XXXXXXXXXXXX1261
Largest past balance $10,423
Account Type Installment
Account holder Individual
Scheduled Payment Amount $97
Industry Miscellaneous
Descriptions
Charged off accountStudent loan
No contact information provided by Equifax
Balance Current Status Past Due Amount
$12,007 Bad debt/collection $2,929
Seven year payment history
30 days late 2 times
60 days late 1 time
90+ days late 4 times (Jan 2012, Dec 2011, Nov 2011)
Recent payment history
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10
2011 2012 2013
Legend: Currently paid as agreed
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Oct, 2013
Date opened Dec, 2008
Date of last activity Oct, 2013
Account number XXXXXX1312
Largest past balance $8,237
Account Type Installment
Account holder Individual
Scheduled Payment Amount $74
Industry Miscellaneous
Balance Current Status
$7,178 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 2 times (Feb 2012)
90+ days late 3 times (Apr 2012, Mar 2012, Oct 2011)
Recent payment history
Account Details
Student Loan Account
Sallie MaeNov, 2013
Student Loan Account
Sallie MaeNov, 2013
Student Loan Account
Dbk/GlelsiOct, 2013
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Descriptions
Student loan
No contact information provided by Equifax
10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9
2011 2012 2013
Legend: Currently paid as agreed
60 days late 90 days late
Worst Delinquency
90 days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Nov, 2013
Date opened Oct, 2008
Date of last activity Nov, 2013
Largest past balance $5,000
Account Type Installment
Account holder Individual
Scheduled Payment Amount $78
Industry Miscellaneous
Descriptions
Student loan
No contact information provided by Equifax
Balance Current Status
$6,797 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 6 times (Apr 2013, Mar 2013, Feb 2013, Jan 2013, Dec 2012, Nov 2012)
Recent payment history
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10
2011 2012 2013
Legend: Currently paid as agreed
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Nov, 2013
Date opened Sep, 2008
Date of last activity Nov, 2013
Largest past balance $5,500
Account Type Installment
Account holder Individual
Scheduled Payment Amount $67
Industry Miscellaneous
Descriptions
Student loan
No contact information provided by Equifax
Balance Current Status
$6,149 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 6 times (Apr 2013, Mar 2013, Feb 2013, Jan 2013, Dec 2012, Nov 2012)
Recent payment history
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10
2011 2012 2013
Legend: Currently paid as agreed
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Oct, 2013 Balance Current Status
Student Loan Account
EdfinsvcsNov, 2013
Student Loan Account
EdfinsvcsNov, 2013
Student Loan Account
Sallie MaeOct, 2013
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Date opened Oct, 2006
Date of last activity Oct, 2013
Account number XXXXXXXXXXXXXXXX0061
Largest past balance $4,000
Account Type Installment
Account holder Individual
Scheduled Payment Amount $69
Industry Miscellaneous
Descriptions
Student loanFixed rate
No contact information provided by Equifax
$5,864 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Oct, 2013
Date opened Sep, 2007
Date of last activity Oct, 2013
Account number XXXXXXXXXXXXXXXX0070
Largest past balance $3,500
Account Type Installment
Account holder Individual
Scheduled Payment Amount $44
Industry Miscellaneous
Descriptions
Student loanFixed rate
No contact information provided by Equifax
Balance Current Status
$3,756 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 2 times (Jan 2012, Dec 2011)
Recent payment history
10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9
2011 2012 2013
Legend: Currently paid as agreed
90 days late
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Oct, 2013
Date opened Oct, 2009
Date of last activity Oct, 2013
Account number XXXXXXXXXXXXXXXX0091
Largest past balance $5,500
Account Type Installment
Account holder Individual
Scheduled Payment Amount $38
Industry Miscellaneous
Descriptions
Student loanFixed rate
No contact information provided by Equifax
Balance Current Status
$2,866 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Oct, 2013
Date opened Oct, 2006
Date of last activity Oct, 2013
Account number XXXXXXXXXXXXXXXX0061
Balance Current Status
$2,817 Pays account as agreed
Seven year payment history
Student Loan Account
Sallie MaeOct, 2013
Student Loan Account
Dpt Ed/SlmOct, 2013
Student Loan Account
Sallie MaeOct, 2013
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Largest past balance $2,625
Account Type Installment
Account holder Individual
Scheduled Payment Amount $33
Industry Miscellaneous
Descriptions
Student loanFixed rate
No contact information provided by Equifax
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Nov, 2013
Date opened Sep, 2008
Date of last activity Nov, 2013
Largest past balance $2,000
Account Type Installment
Account holder Individual
Scheduled Payment Amount $31
Industry Miscellaneous
Descriptions
Student loan
No contact information provided by Equifax
Balance Current Status
$2,728 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 6 times (Apr 2013, Mar 2013, Feb 2013, Jan 2013, Dec 2012, Nov 2012)
Recent payment history
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10
2011 2012 2013
Legend: Currently paid as agreed
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Oct, 2013
Date opened Oct, 2009
Date of last activity Oct, 2013
Account number XXXXXXXXXXXXXXXX0091
Largest past balance $2,000
Account Type Installment
Account holder Individual
Scheduled Payment Amount $17
Industry Miscellaneous
Descriptions
Student loanFixed rate
No contact information provided by Equifax
Balance Current Status
$1,120 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Nov, 2012
Date opened Oct, 2008
Date of last activity Jul, 2010
Account number XXXXXXXXXXXXX0003
Largest past balance $5,000
Account Type Installment
Account holder Individual
Industry Miscellaneous
Balance Current Status
$0 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 2 times (Oct 2012, Sep 2012)
Student Loan Account
EdfinsvcsNov, 2013
Student Loan Account
Dpt Ed/SlmOct, 2013
Student Loan Account
EdfincslfsNov, 2012
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Descriptions
Account transferred or soldStudent loan
No contact information provided by Equifax
Recent payment history
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10
2010 2011 2012
Legend: Currently paid as agreed
90 days late
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Nov, 2012
Date opened Sep, 2008
Date of last activity Jul, 2010
Account number XXXXXXXXXXXXX0002
Largest past balance $2,000
Account Type Installment
Account holder Individual
Industry Miscellaneous
Descriptions
Account transferred or soldStudent loan
No contact information provided by Equifax
Balance Current Status
$0 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 2 times (Oct 2012, Sep 2012)
Recent payment history
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10
2010 2011 2012
Legend: Currently paid as agreed
90 days late
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Nov, 2012
Date opened Sep, 2008
Date of last activity Jul, 2010
Account number XXXXXXXXXXXXX0001
Largest past balance $5,500
Account Type Installment
Account holder Individual
Industry Miscellaneous
Descriptions
Account transferred or soldStudent loan
No contact information provided by Equifax
Balance Current Status
$0 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 2 times (Oct 2012, Sep 2012)
Recent payment history
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10
2010 2011 2012
Legend: Currently paid as agreed
90 days late
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Student Loan Account
EdfincslfsNov, 2012
Student Loan Account
EdfincslfsNov, 2012
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Status as of Mar, 2012
Date opened Apr, 2008
Date of last activity Nov, 2011
Account number XXXXXXXX8630
Largest past balance $15,715
Account Type Installment
Account holder Individual
Industry Miscellaneous
Descriptions
Charged off accountStudent loan
No contact information provided by Equifax
Balance Current Status
$0 Bad debt/collection
Seven year payment history
30 days late 1 time (Nov 2011)
60 days late 1 time (Dec 2011)
90+ days late 1 time (Jan 2012)
Recent payment history
3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2
2010 2011 2012
Legend: Currently paid as agreed
30 days late 60 days late 90 days late
Worst Delinquency
90 days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Sep, 2010
Date opened Oct, 2009
Date of last activity Aug, 2010
Account number XXXXXXXXXXXXXXXX0091
Largest past balance $5,500
Account Type Installment
Account holder Individual
Industry Miscellaneous
Descriptions
Account transferred or soldStudent loan
No contact information provided by Equifax
Balance Current Status
$0 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Sep, 2010
Date opened Oct, 2009
Date of last activity Aug, 2010
Account number XXXXXXXXXXXXXXXX0091
Largest past balance $2,000
Account Type Installment
Account holder Individual
Industry Miscellaneous
Descriptions
Account transferred or soldStudent loan
No contact information provided by Equifax
Balance Current Status
$0 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Nov, 2013
Date opened May, 2011Balance Current Status Past Due Amount
Student Loan Account
ChaseMar, 2012
Student Loan Account
Sallie MaeSep, 2010
Student Loan Account
Sallie MaeSep, 2010
Credit Account
Time PmtNov, 2013
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Date of last activity Aug, 2011
Account number XXXXXXXXXXX2505
Largest past balance $7,209
Account Type Installment
Account holder Individual
Scheduled Payment Amount $281
Industry Miscellaneous
Descriptions
Charged off accountAmount in high credit is original charge-off amount
No contact information provided by Equifax
$10,485 Bad debt/collection $10,485
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 1 time (Aug 2011)
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Nov, 2013
Date opened Apr, 2010
Date of last activity Jul, 2011
Largest past balance $3,000
Account Type Revolving
Account holder Individual
Scheduled Payment Amount $4,507
Industry All Banks
Descriptions
Charged off accountAccount closed by credit grantor
No contact information provided by Equifax
Balance Current Status Past Due Amount
$4,507 Bad debt/collection $2,796
Seven year payment history
30 days late 0 times
60 days late 1 time
90+ days late 3 times (Jan 2012, Dec 2011, Nov 2011)
Recent payment history
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10
2011 2012 2013
Legend: Currently paid as agreed
90 days late
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Nov, 2013
Date opened May, 2012
Date of last activity Sep, 2011
Largest past balance $1,351
Account Type Open Account
Account holder Individual
Industry Factoring Companies
Descriptions
Collection account
No contact information provided by Equifax
Balance Current Status Past Due Amount
$1,351 120+ days past due $1,351
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Nov, 2013
Date opened Aug, 2012
Date of last activity Aug, 2011
Largest past balance $660
Balance Current Status Past Due Amount
$660 120+ days past due $660
Seven year payment history
Credit Account
CitiNov, 2013
Credit Account
NatcreadjNov, 2013
Credit Account
PortfolioNov, 2013
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Account Type Open Account
Account holder Individual
Industry Factoring Companies
Descriptions
Collection account
No contact information provided by Equifax
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Jan, 2012
Date opened Mar, 2007
Date of last activity Sep, 2011
Account Type Revolving
Account holder Individual
Scheduled Payment Amount $282
Industry Complete Dept. Stores
Descriptions
Charged off accountAccount closed by credit grantor
No contact information provided by Equifax
Balance Current Status Past Due Amount
$282 Bad debt/collection $282
Seven year payment history
30 days late 3 times (Aug 2011)
60 days late 0 times
90+ days late 3 times (Dec 2011, Nov 2011, Oct 2011)
Recent payment history
1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12
2010 2011
Legend: Currently paid as agreed
30 days late 90 days late
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Sep, 2013
Date opened Jan, 2007
Date of last activity Sep, 2011
Largest past balance $1,327
Account Type Revolving
Account holder Individual
Industry National Credit Card Cos.
Descriptions
Account transferred or soldCharged off account
No contact information provided by Equifax
Balance Current Status
$0 Bad debt/collection
Seven year payment history
30 days late 1 time (Oct 2011)
60 days late 1 time (Nov 2011)
90+ days late 4 times (Mar 2012, Feb 2012, Jan 2012, Dec 2011)
Recent payment history
9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8
2011 2012 2013
Legend: Currently paid as agreed
30 days late 60 days late 90 days late
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Credit Account
MacYsdsnbJan, 2012
Credit Account
Bk Of AmerSep, 2013
Credit Account
Cap OneAug, 2012
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Status as of Aug, 2012
Date opened Oct, 2010
Date of last activity Aug, 2011
Largest past balance $359
Account Type Revolving
Account holder Individual
Industry All Banks
Descriptions
Account transferred or soldCharged off account
No contact information provided by Equifax
Balance Current Status
$0 Bad debt/collection
Seven year payment history
30 days late 1 time (Sep 2011)
60 days late 1 time (Oct 2011)
90+ days late 4 times (Feb 2012, Jan 2012, Dec 2011, Nov 2011)
Recent payment history
8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7
2010 2011 2012
Legend: Not Open Currently paid as agreed
30 days late 60 days late 90 days late
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of May, 2012
Date opened Dec, 2007
Date of last activity Oct, 2011
Largest past balance $762
Account Type Revolving
Account holder Individual
Industry Television & Radio
Descriptions
Account transferred or soldCharged off account
No contact information provided by Equifax
Balance Current Status
$0 Bad debt/collection
Seven year payment history
30 days late 1 time (Nov 2011)
60 days late 1 time (Dec 2011)
90+ days late 4 times (Apr 2012, Mar 2012, Feb 2012, Jan 2012)
Recent payment history
5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4
2010 2011 2012
Legend: Currently paid as agreed
30 days late 60 days late 90 days late
120 days late
Worst Delinquency
120+ days past due
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Apr, 2011
Date opened Jul, 2008
Date of last activity Apr, 2011
Largest past balance $0
Account Type Open Account
Account holder Individual
Industry Electrical Light & Power
Descriptions
Utility
No contact information provided by Equifax
Balance Current Status
$0 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your
Credit Account
Cap1/BstbyMay, 2012
Credit Account
UiApr, 2011
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score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Jun, 2009
Date opened Jul, 2007
Date of last activity May, 2009
Largest past balance $1,100
Account Type Revolving
Account holder Individual
Industry All Banks
Descriptions
Closed or paid account / zero balanceAccount closed by credit grantor
No contact information provided by Equifax
Balance Current Status
$0 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Status as of Jul, 2010
Date opened Dec, 2009
Date of last activity Jul, 2010
Account number XXXXXXXXXXXXX1000
Largest past balance $15,579
Account Type Installment
Account holder Individual
Scheduled Payment Amount $339
Industry Auto Financing
Descriptions
Closed or paid account / zero balanceAuto
No contact information provided by Equifax
Balance Current Status
$0 Pays account as agreed
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO®score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on yourscore. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
Credit Account
AmexJun, 2009
Vehicle Loan Account
SantanderJul, 2010
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An inquiry indicates when a business, usually a lender, has checked your credit. The inquiries listed here are the number of times inthe 12 months since the date of this report that a lender has checked your credit at Equifax. These inquiries appear because youapplied for credit with the listed company. Inquiries associated with applying for new credit are the only kind of inquiry that may hurtyour FICO® score.
Inquiries
Inquiries that may be affecting your FICO® scoreTotal: 3 Times
Date Company making the inquiry
November 19, 2013 Cap One
November 06, 2013 Cap One Af
October 14, 2013 Allied Int
Inquiries listed here are requests by lenders to view your credit report because you have applied for credit with them. Having many inquiries can hurt your FICO® score, because that might be asign that you are in a financial situation where you need credit. A single inquiry, however, will have little impact on your score.
Three other kinds of inquiries do not affect your FICO® score and are not listed here. One occurs when lenders search for consumers that might qualify for pre-approved credit. Another occurswhen you request to view your own credit report, such as when ordering products on myFICO. Other inquiries that do not affect your score are any inquiries used for purposes other than grantingcredit, such as an inquiry requested by a landlord. Note: In general, inquiries contribute to less than 10% of your FICO® score.
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A collection is reported on your credit report when a business turns over an unpaid account to a collection agency. One collection canhurt your FICO® score and several collections can severely hurt your FICO® score.
Collections
Collection on debt to: Fia Card ServicThe collection agency "606YC13027" was hired to collect a debt of $1,327 originally owed to "Fia Card Servic" on account number "XXXXXXXX".
Collection agency 606YC13027
Original balance $1,327
Current balance $1,327
Date assigned Sep, 2013
Original lender Fia Card Servic
Account number XXXXXXXX
Account holder Individual
Collection on debt to: The United IlluThe collection agency "405YC01540" was hired to collect a debt of $411 originally owed to "The United Illu" on account number "XXXXXXXX".
Collection agency 405YC01540
Original balance $411
Current balance $411
Date assigned Mar, 2012
Original lender The United Illu
Account number XXXXXXXX
Account holder Individual
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Public records are legal records reported on you, usually by a court of law. Adverse public records include bankruptcies, foreclosures,garnishments, and tax liens and they can severely hurt your FICO® score. Other types of public records such as divorces are notconsidered by your FICO® score.
Public Records
You have no public records.
