Credit Reports Identity Money myLONA® EN 30 ULTRA 4K INSIGHTS Differences $ None High Utilization Late Payments Recently Added Recently Removed REPORT SECTIONS Credit Scores Personal Info Summary 16 Credit Utilization Positive Accounts 16 Negative Accounts 4 Account Types 20 Public Records Inquiries Creditor Contacts 28 Sort By Ultra 4K Classic Your 3-Bureau Credit Report & Scores is 10 days old. Order an update now 3B Report & Vantage Scores® 3.0 as of Credit Scores TransUnion® Experian® Equifax® 545 576 —— Personal Information This information includes your legal name, current and previous addresses, employment history, and other details. TransUnion Experian Equifax Name VALENTINA FOX VALENTINA FOX —— Also Known As —— —— —— Date of Birth 1971 1971 —— Current Address 302 WASHINGTON SAN DIEGO, CA 92103 14390 HORIZON CT POWAY, CA 920641459 —— Previous Address —— 302 WASHINGTON ST UNIT 150-6666 SAN DIEGO, CA 921032110 301 W WASHINGTON ST UNIT 150666 SAN DIEGO, CA 921031930 —— Employer MCKENZIE ADAMS MCKENZIE ADAMS MAI Credit Report Date 08/21/2026 08/21/2026 08/31/2026 Consumer Statement #HK#EFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC NONE REPORTED NONE REPORTED Summary Below is an overview of your present and past credit status including open and closed accounts and balance information. TransUnion Experian Equifax Total Accounts 18 19 0 Open Accounts 5 4 0 Closed Accounts 13 15 0 Delinquent 2 2 0 Derogatory 1 1 0 Balances $27,450 $27,450 $0 Payments $215 $225 $0 Public Records 0 0 0 Inquiries (2 Years) 0 0 0 Credit Utilization The amount of credit you’re currently using across 4 revolving accounts. TOTAL CREDIT USED TOTAL AVAILABLE CREDIT OVERALL UTILIZATION TransUnion® $4,130 $36,700 11% Experian® $4,130 $25,500 16% Equifax® —— —— —— Positive Accounts 16 Below are the details of accounts you’ve opened in the past. Installment BRCLYSBANK 900030**** Closed Installment Loans VIEW AMEX 349992**** Closed Bank VIEW AQUA FINANCE INC 910163*** Open Finance VIEW AMEX 349992**** Closed Bank VIEW MERCEDES BENZ FINANCIA 500207**** Closed Auto VIEW BANK OF AMERICA, N.A. 650100**** Closed Bank VIEW Revolving TBOM/ATLS/FORTIVA 765650**** Open Credit Card High Utilization VIEW AMEX/CBNA 377481**** Closed Credit Card VIEW DISCOVERCARD 601100**** Open Credit Card VIEW CITICARDS CBNA 542418**** Open Credit Card VIEW CITICARDS CBNA 542418**** Closed Credit Card VIEW DISCOVERC 601100**** Closed Credit Card VIEW CAPITAL ONE 430023**** Closed Credit Card VIEW CREDIT ONE BANK NA 444796**** Closed Credit Card VIEW BARCLAYS BANK DELAWARE 000288**** Closed Credit Card VIEW Other AMEX 349992**** Closed Credit Card VIEW Negative Accounts 4 Below are the details of accounts you’ve opened in the past. Revolving THD/CBNA 603532**** Closed Retail Late Payment VIEW CAPITAL ONE 415417**** Closed Credit Card Late Payment VIEW BARCLAYS BANK DELAWARE 000308**** Open Credit Card Late Payment High Utilization VIEW Other AMEX 349992**** Closed Credit Card Late Payment VIEW Accounts Below are the details of accounts you've opened in the past. Revolving Accounts THD/CBNA Retail Negative Closed Late Payment TransUnion Experian Equifax Account Number —— 603532**** —— High Balance —— $14,581 —— Last Verified —— —— —— Date of Last Activity —— 12/01/2025 —— Date Reported —— 12/17/2025 —— Date Opened —— 09/01/2021 —— Balance Owed —— $0 —— Closed Date —— —— —— Account Rating —— Open —— Account Description —— Individual —— Dispute Status —— Account not disputed —— Creditor Type —— Retail, Not Elsewhere Classified —— Account Status —— Closed —— Payment Status —— Unknown —— Creditor Remarks —— Customer disputed account - reported by subscriber. Credit card lost or stolen. —— Payment Amount —— $0 —— Last Payment —— 08/15/2024 —— Term Length —— 0 —— Past Due Amount —— $0 —— Account Type —— Charge account —— Payment Frequency —— —— —— Credit Limit —— $600 —— Payment History - Last 2 Years TransUnion® NONE REPORTED Experian® '22 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '24 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® –– –– –– Experian® 1 0 0 Equifax® –– –– –– TBOM/ATLS/FORTIVA Credit Card Positive Open High Utilization Recently Removed TransUnion Experian Equifax Account Number 765650**** 765650**** —— High Balance $3,635 $3,635 —— Last Verified 08/11/2026 —— —— Date of Last Activity 08/11/2026 08/01/2026 —— Date Reported 08/11/2026 08/11/2026 —— Date Opened 06/05/2026 06/01/2026 —— Balance Owed $3,635 $3,635 —— Closed Date —— —— —— Account Rating Open Open —— Account Description Individual Individual —— Dispute Status Account not disputed Account not disputed —— Creditor Type Miscellaneous Banks Bank Credit Cards —— Account Status Open Open —— Payment Status Current Current —— Creditor Remarks —— —— —— Payment Amount $185 $185 —— Last Payment —— —— —— Term Length 0 0 —— Past Due Amount $0 $0 —— Account Type Credit Card Credit Card —— Payment Frequency —— —— —— Credit Limit $3,500 $3,500 —— Utilization 104% 104% —— Payment History - Last 2 Years TransUnion® Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '26 Feb Mar Apr May Jun Jul Experian® Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '26 Feb Mar Apr May Jun Jul Aug Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– AMEX/CBNA Credit Card Positive Closed Recently Removed TransUnion Experian Equifax Account Number 377481**** 377481**** —— High Balance $1,658 $1,658 —— Last Verified 03/06/2025 —— —— Date of Last Activity 06/07/2022 12/01/2024 —— Date Reported 03/06/2025 12/07/2024 —— Date Opened 08/17/2016 08/01/2016 —— Balance Owed $0 $0 —— Closed Date 12/06/2024 —— —— Account Rating Paid Paid —— Account Description Individual Individual —— 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 06/07/2022 06/07/2022 —— Term Length 0 0 —— Past Due Amount $0 $0 —— Account Type Credit Card Credit Card —— Payment Frequency —— —— —— Credit Limit $2,000 $2,000 —— Payment History - Last 2 Years TransUnion® Mar Apr May Jun Jul Aug Sep Oct Nov Dec '22 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '24 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '25 Feb Experian® '21 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '22 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '24 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– CAPITAL ONE Credit Card Negative Closed Late Payment Recently Removed TransUnion Experian Equifax Account Number 415417**** 415417**** —— High Balance $14,077 $0 —— Last Verified 08/14/2026 —— —— Date of Last Activity 06/16/2026 07/01/2026 —— Date Reported 08/14/2026 08/18/2026 —— Date Opened 05/22/2021 05/01/2021 —— Balance Owed $4,292 $4,292 —— Closed Date 06/16/2026 —— —— Account Rating Derogatory Derogatory —— Account Description Individual Individual —— Dispute Status Account not disputed Account not disputed —— Creditor Type Bank Credit Cards Bank Credit Cards —— Account Status Closed Closed —— Payment Status Collection/Chargeoff Collection/Chargeoff —— Creditor Remarks Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. —— Payment Amount $0 $0 —— Last Payment 10/22/2025 04/21/2026 —— Term Length 0 0 —— Past Due Amount $4,292 $4,292 —— Account Type Business Credit Card Charge account —— Payment Frequency —— —— —— Credit Limit $5,000 $5,000 —— Payment History - Last 2 Years TransUnion® NONE REPORTED Experian® Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '24 Feb Mar Apr May Jun Jul Aug 30 60 90 120 150 150 CO CO Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '26 Feb Mar Apr May Jun Jul Aug Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 2 1 4 Equifax® –– –– –– DISCOVERCARD Credit Card Positive Open TransUnion Experian Equifax Account Number 601100**** —— —— High Balance $3,255 —— —— Last Verified 11/11/2016 —— —— Date of Last Activity 11/11/2016 —— —— Date Reported 11/11/2016 —— —— Date Opened 06/24/1996 —— —— Balance Owed $0 —— —— Closed Date —— —— —— Account Rating Open —— —— Account Description Terminated —— —— Dispute Status Account not disputed —— —— Creditor Type Bank Credit Cards —— —— Account Status Open —— —— Payment Status Current —— —— Creditor Remarks —— —— —— Payment Amount $0 —— —— Last Payment 10/11/2016 —— —— Term Length 0 —— —— Past Due Amount $0 —— —— Account Type Credit Card —— —— Payment Frequency —— —— —— Credit Limit $11,200 —— —— Utilization 0% —— —— Payment History - Last 2 Years TransUnion® Nov Dec '13 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '14 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '15 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '16 Feb Mar Apr May Jun Jul Aug Sep Oct Experian® NONE REPORTED Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® –– –– –– Equifax® –– –– –– CITICARDS CBNA Credit Card Positive Open TransUnion Experian Equifax Account Number 542418**** 542418**** —— High Balance $18,138 $18,138 —— Last Verified 08/05/2026 —— —— Date of Last Activity 08/05/2026 08/01/2026 —— Date Reported 08/05/2026 08/05/2026 —— Date Opened 12/28/2015 12/01/2015 —— Balance Owed $0 $0 —— Closed Date —— —— —— Account Rating Open Open —— Account Description Terminated Terminated —— Dispute Status Account not disputed Account not disputed —— Creditor Type Bank Credit Cards Bank Credit Cards —— Account Status Open Open —— Payment Status Current Current —— Creditor Remarks —— —— —— Payment Amount $0 $10 —— Last Payment 07/01/2026 07/01/2026 —— Term Length 0 0 —— Past Due Amount $0 $0 —— Account Type Credit Card Credit Card —— Payment Frequency —— —— —— Credit Limit $21,000 $21,000 —— Utilization 0% 0% —— Payment History - Last 2 Years TransUnion® Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '26 Feb Mar Apr May Jun Jul Experian® Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '24 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '26 Feb Mar Apr May Jun Jul Aug Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– BARCLAYS BANK DELAWARE Credit Card Negative Open Late Payment High Utilization Recently Removed TransUnion Experian Equifax Account Number 000308**** 000308**** —— High Balance $3,555 $3,555 —— Last Verified 08/11/2026 —— —— Date of Last Activity 08/11/2026 07/01/2026 —— Date Reported 08/11/2026 07/22/2026 —— Date Opened 04/22/2018 04/01/2018 —— Balance Owed $495 $495 —— Closed Date —— —— —— Account Rating Open Open —— Account Description Individual Individual —— Dispute Status Account not disputed Account not disputed —— Creditor Type Miscellaneous Banks Bank Credit Cards —— Account Status Open Open —— Payment Status Late 30 Days Late 30 Days —— Creditor Remarks Dispute resolved; customer disagrees —— —— Payment Amount $30 $30 —— Last Payment 05/11/2025 05/11/2025 —— Term Length 0 0 —— Past Due Amount $30 $30 —— Account Type Flexible spending credit card Credit Card —— Payment Frequency —— —— —— Credit Limit $1,000 $1,000 —— Utilization 50% 50% —— Payment History - Last 2 Years TransUnion® Aug Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '24 Feb Mar Apr May Jun Jul 30 Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '26 Feb Mar Apr May Jun Jul Experian® Aug Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '24 Feb Mar Apr May Jun Jul 30 Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '26 Feb Mar Apr May Jun Jul Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 1 0 0 Experian® 1 0 0 Equifax® –– –– –– CITICARDS CBNA Credit Card Positive Closed Recently Removed TransUnion Experian Equifax Account Number 542418**** 542418**** —— High Balance $5,466 $5,466 —— Last Verified 08/12/2021 —— —— Date of Last Activity 12/03/2019 03/01/2020 —— Date Reported 08/12/2021 03/12/2020 —— Date Opened 07/28/2016 07/01/2016 —— Balance Owed $0 $0 —— Closed Date 02/18/2020 —— —— Account Rating Paid Paid —— Account Description Individual Individual —— 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 Inactive account —— —— Payment Amount $0 $0 —— Last Payment 12/03/2019 12/03/2019 —— Term Length 0 0 —— Past Due Amount $0 $0 —— Account Type Credit Card Credit Card —— Payment Frequency —— —— —— Credit Limit $6,400 $6,400 —— Payment History - Last 2 Years TransUnion® Aug Sep Oct Nov Dec '18 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '19 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '20 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '21 Feb Mar Apr May Jun Jul Experian® Apr May Jun Jul Aug Sep Oct Nov Dec '17 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '18 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '19 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '20 Feb Mar Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– DISCOVERC Credit Card Positive Closed Recently Removed TransUnion Experian Equifax Account Number 601100**** 601100**** —— High Balance $13,619 $13,619 —— Last Verified 08/10/2021 —— —— Date of Last Activity 07/13/2021 08/01/2021 —— Date Reported 08/10/2021 08/10/2021 —— Date Opened 07/29/2016 07/01/2016 —— Balance Owed $0 $0 —— Closed Date 07/15/2021 —— —— Account Rating Paid Paid —— Account Description Individual Individual —— 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 Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. —— Payment Amount $0 $0 —— Last Payment 07/13/2021 07/13/2021 —— Term Length 0 0 —— Past Due Amount $0 $0 —— Account Type Credit Card Credit Card —— Payment Frequency —— —— —— Credit Limit $13,500 $13,500 —— Payment History - Last 2 Years TransUnion® Aug Sep Oct Nov Dec '18 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '19 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '20 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '21 Feb Mar Apr May Jun Jul Experian® Sep Oct Nov Dec '18 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '19 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '20 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '21 Feb Mar Apr May Jun Jul Aug Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– CAPITAL ONE Credit Card Positive Closed Recently Removed Recently Removed TransUnion Experian Equifax Account Number —— 430023**** —— High Balance —— $0 —— Last Verified —— —— —— Date of Last Activity —— 09/01/2016 —— Date Reported —— 09/16/2016 —— Date Opened —— 07/01/2016 —— Balance Owed —— $0 —— Closed Date —— —— —— Account Rating —— Paid —— Account Description —— Individual —— Dispute Status —— Account not disputed —— Creditor Type —— Bank Credit Cards —— Account Status —— Closed —— Payment Status —— Current —— Creditor Remarks —— Credit line closed - consumer request - reported by subscriber. —— Payment Amount —— $0 —— Last Payment —— —— —— Term Length —— 0 —— Past Due Amount —— $0 —— Account Type —— Credit Card —— Payment Frequency —— —— —— Credit Limit —— $5,000 —— Payment History - Last 2 Years TransUnion® NONE REPORTED Experian® Oct Nov Dec '15 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '16 Feb Mar Apr May Jun Jul Aug Sep Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® –– –– –– Experian® 0 0 0 Equifax® –– –– –– CREDIT ONE BANK NA Credit Card Positive Closed Recently Removed TransUnion Experian Equifax Account Number 444796**** 444796**** —— High Balance $118 $118 —— Last Verified 10/25/2020 —— —— Date of Last Activity 01/23/2020 10/01/2020 —— Date Reported 10/25/2020 10/25/2020 —— Date Opened 11/18/2016 11/01/2016 —— Balance Owed $0 $0 —— Closed Date 09/30/2020 —— —— Account Rating Paid Paid —— Account Description Individual Individual —— 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 01/23/2020 01/23/2020 —— Term Length 0 0 —— Past Due Amount $0 $0 —— Account Type Credit Card Credit Card —— Payment Frequency —— —— —— Credit Limit $700 $700 —— Payment History - Last 2 Years TransUnion® Oct Nov Dec '17 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '18 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '19 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '20 Feb Mar Apr May Jun Jul Aug Sep Experian® Nov Dec '17 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '18 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '19 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '20 Feb Mar Apr May Jun Jul Aug Sep Oct Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– BARCLAYS BANK DELAWARE Credit Card Positive Closed Recently Removed TransUnion Experian Equifax Account Number 000288**** 000288**** —— High Balance $6,380 $6,380 —— Last Verified 10/06/2025 —— —— Date of Last Activity 09/20/2025 10/01/2025 —— Date Reported 10/06/2025 10/06/2025 —— Date Opened 06/06/2017 06/01/2017 —— Balance Owed $0 $0 —— Closed Date 07/04/2025 —— —— Account Rating Paid Paid —— Account Description Individual Individual —— Dispute Status Account not disputed Account not disputed —— Creditor Type Miscellaneous Banks 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 09/20/2025 09/20/2025 —— Term Length 0 0 —— Past Due Amount $0 $0 —— Account Type Flexible spending credit card Credit Card —— Payment Frequency —— —— —— Credit Limit $5,550 $5,550 —— Payment History - Last 2 Years TransUnion® Oct Nov Dec '22 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '24 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Experian® Nov Dec '22 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '24 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– Installment Accounts BRCLYSBANK Installment Loans Positive Closed Recently Removed TransUnion Experian Equifax Account Number 900030**** 900030**** —— High Balance $5,000 $5,000 —— Last Verified 09/29/2019 —— —— Date of Last Activity 09/29/2019 10/01/2019 —— Date Reported 09/29/2019 10/18/2019 —— Date Opened 06/24/2018 06/01/2018 —— Balance Owed $0 $0 —— Closed Date 09/29/2019 —— —— Account Rating Closed Paid —— Account Description Individual Individual —— Dispute Status Account not disputed Account not disputed —— Creditor Type Installment Loans Installment Loans —— Account Status Closed Closed —— Payment Status Current Current —— Creditor Remarks Closed —— —— Payment Amount $0 $0 —— Last Payment 09/29/2019 09/29/2019 —— Term Length 60 60 —— Past Due Amount $0 $0 —— Account Type Unsecured loan Unsecured loan —— Payment Frequency Monthly (every month) —— —— Credit Limit $0 $0 —— Payment History - Last 2 Years TransUnion® Sep Oct Nov Dec '18 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '19 Feb Mar Apr May Jun Jul Aug Experian® Nov Dec '18 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '19 Feb Mar Apr May Jun Jul Aug Sep Oct Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– AMEX Bank Positive Closed Recently Removed TransUnion Experian Equifax Account Number 349992**** 349992**** —— High Balance $7,200 $7,200 —— Last Verified 12/08/2019 —— —— Date of Last Activity 12/08/2019 12/01/2019 —— Date Reported 12/08/2019 12/19/2019 —— Date Opened 08/09/2018 08/01/2018 —— Balance Owed $0 $0 —— Closed Date 12/08/2019 —— —— Account Rating Closed Paid —— Account Description Individual Individual —— Dispute Status Account not disputed Account not disputed —— Creditor Type Commercial Banks All Banks —— Account Status Closed Closed —— Payment Status Current Current —— Creditor Remarks Closed —— —— Payment Amount $0 $0 —— Last Payment —— —— —— Term Length 36 36 —— Past Due Amount $0 $0 —— Account Type Unsecured loan Unsecured loan —— Payment Frequency Monthly (every month) —— —— Credit Limit $0 $0 —— Payment History - Last 2 Years TransUnion® Dec '18 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '19 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Experian® '18 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '19 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– AQUA FINANCE INC Finance Positive Open TransUnion Experian Equifax Account Number 910163*** 910163*** —— High Balance $8,290 $8,290 —— Last Verified 06/30/2026 —— —— Date of Last Activity 06/30/2026 06/01/2026 —— Date Reported 06/30/2026 06/30/2026 —— Date Opened 08/05/2025 08/01/2025 —— Balance Owed $8,290 $8,290 —— Closed Date —— —— —— Account Rating Open Open —— Account Description Individual Individual —— Dispute Status Account not disputed Account not disputed —— Creditor Type Miscellaneous Finance Miscellaneous Finance —— Account Status Open Open —— Payment Status Current Current —— Creditor Remarks Payment deferred Student loan - payment deferred. —— Payment Amount $0 $0 —— Last Payment —— —— —— Term Length 0 0 —— Past Due Amount $0 $0 —— Account Type Installment sales contract Installment sales contract —— Payment Frequency —— —— —— Credit Limit $0 $0 —— Payment History - Last 2 Years TransUnion® Jun Jul Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '26 Feb Mar Apr May Experian® Jul Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '26 Feb Mar Apr May Jun Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– AMEX Bank Positive Closed Recently Removed TransUnion Experian Equifax Account Number 349992**** 349992**** —— High Balance $20,000 $20,000 —— Last Verified 07/04/2023 —— —— Date of Last Activity 07/04/2023 07/01/2023 —— Date Reported 07/04/2023 07/07/2023 —— Date Opened 04/25/2022 04/01/2022 —— Balance Owed $0 $0 —— Closed Date 07/04/2023 —— —— Account Rating Closed Paid —— Account Description Individual Individual —— Dispute Status Account not disputed Account not disputed —— Creditor Type Commercial Banks All Banks —— Account Status Closed Closed —— Payment Status Current Current —— Creditor Remarks Closed —— —— Payment Amount $0 $0 —— Last Payment —— —— —— Term Length 36 36 —— Past Due Amount $0 $0 —— Account Type Unsecured loan Unsecured loan —— Payment Frequency Monthly (every month) —— —— Credit Limit $0 $0 —— Payment History - Last 2 Years TransUnion® Jul Aug Sep Oct Nov Dec '22 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '23 Feb Mar Apr May Jun Experian® Aug Sep Oct Nov Dec '22 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– MERCEDES BENZ FINANCIA Auto Positive Closed Recently Removed TransUnion Experian Equifax Account Number 500207**** 500207**** —— High Balance $53,538 $53,538 —— Last Verified 07/08/2022 —— —— Date of Last Activity 07/08/2022 07/01/2022 —— Date Reported 07/08/2022 07/08/2022 —— Date Opened 10/28/2021 10/01/2021 —— Balance Owed $0 $0 —— Closed Date 07/08/2022 —— —— Account Rating Closed Paid —— Account Description Joint Joint —— Dispute Status Account not disputed Account not disputed —— Creditor Type Auto Financing Auto Financing —— Account Status Closed Closed —— Payment Status Current Current —— Creditor Remarks Closed —— —— Payment Amount $0 $0 —— Last Payment 07/08/2022 07/08/2022 —— Term Length 72 72 —— Past Due Amount $0 $0 —— Account Type Auto Loan Auto Loan —— Payment Frequency Monthly (every month) —— —— Credit Limit $0 $0 —— Payment History - Last 2 Years TransUnion® Jul Aug Sep Oct Nov Dec '21 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '22 Feb Mar Apr May Jun Experian® Aug Sep Oct Nov Dec '21 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '22 Feb Mar Apr May Jun Jul Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– BANK OF AMERICA, N.A. Bank Positive Closed Recently Removed TransUnion Experian Equifax Account Number 650100**** 650100**** —— High Balance $44,044 $44,044 —— Last Verified 07/05/2022 —— —— Date of Last Activity 07/05/2022 07/01/2022 —— Date Reported 07/05/2022 07/31/2022 —— Date Opened 10/19/2021 10/01/2021 —— Balance Owed $0 $0 —— Closed Date 07/05/2022 —— —— Account Rating Closed Paid —— Account Description Individual Individual —— Dispute Status Account not disputed Account not disputed —— Creditor Type Installment Loans All Banks —— Account Status Closed Closed —— Payment Status Current Current —— Creditor Remarks Closed —— —— Payment Amount $0 $0 —— Last Payment 07/05/2022 07/05/2022 —— Term Length 48 48 —— Past Due Amount $0 $0 —— Account Type Auto Loan Auto Loan —— Payment Frequency Monthly (every month) —— —— Credit Limit $0 $0 —— Payment History - Last 2 Years TransUnion® Jul Aug Sep Oct Nov Dec '21 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '22 Feb Mar Apr May Jun Experian® Aug Sep Oct Nov Dec '21 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '22 Feb Mar Apr May Jun Jul Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– Other Accounts AMEX Credit Card Positive Closed Recently Removed TransUnion Experian Equifax Account Number 349992**** 349992**** —— High Balance $8,225 $8,225 —— Last Verified 08/09/2026 —— —— Date of Last Activity 08/06/2026 08/01/2026 —— Date Reported 08/09/2026 08/09/2026 —— Date Opened 07/24/2017 07/01/2017 —— Balance Owed $0 $0 —— Closed Date 08/06/2026 —— —— Account Rating Closed Paid —— Account Description Individual Individual —— 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 Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. —— Payment Amount $0 $0 —— Last Payment —— —— —— Term Length 0 1 —— Past Due Amount $0 $0 —— Account Type Credit Card Credit Card —— Payment Frequency —— —— —— Credit Limit $0 $0 —— Payment History - Last 2 Years TransUnion® Aug Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '24 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '26 Feb Mar Apr May Jun Jul Experian® Sep Oct Nov Dec '23 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '24 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '25 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec '26 Feb Mar Apr May Jun Jul Aug Equifax® NONE REPORTED Unknown Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late 180 180 Days Late PP Payment Plan RP Repossession Foreclosure CO Charge-off Days Late - Last 7 Years 30 days 60 days 90 days TransUnion® 0 0 0 Experian® 0 0 0 Equifax® –– –– –– Public Records Below is an overview of your public records and can include details of bankruptcy, court records, tax liens, and other monetary judgments. Public records typically remain on your Credit Report for 7-10 years. None Reported Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. Review each inquiry to confirm that you authorized it. None Reported Creditor Contacts Hide Information about how to contact people and/or organizations that appear on this credit report is listed below. DISCOVER CARD PO BOX 30939 SALT LAKE CITY, UT 84130 800-347-2683 CITICARDS CBNA PO BOX 6217 SIOUX FALLS, SD 57117 BANK OF AMERICA NA PO BOX 45144 JACKSONVILLE, FL 32231 800-215-6195 CREDIT ONE BANK PO BOX 98872 LAS VEGAS, NV 89193 877-825-3242 AQUA FINANCE INC 1 CORPORATE COVE SUITE 300 WAUSAU, WI 54401 715-848-5425 AMEX/CITIBANK, N.A. PO BOX 6789 SIOUX FALLS, SD 57117 TBOM/FORTIVA POB 105555 ATLANTA, GA 30348 800-710-2961 AMERICAN EXPRESS P.O. BOX 981537 EL PASO, TX 79998 800-874-2717 AMERICAN EXPRESS P.O. BOX 981537 EL PASO, TX 79998 800-874-2717 BARCLAYS BANK DELAWARE P.O. BOX 8803 WILMINGTON, DE 19899 866-951-1416 BARCLAYS BANK DELAWARE P.O. BOX 8803 WILMINGTON, DE 19899 888-232-0780 CAPITAL ONE PO BOX 31293 SALT LAKE CITY, UT 84131 800-955-7070 MERCEDES-BENZ FINANCIAL P.O. BOX 961 ROANOKE, TX 76262 THD/CBNA PO BOX 6497 SIOUX FALLS, SD 57117 800-950-5114 TBOM/ATLS/FORTIVA PO BOX 105555 ATLANTA, GA 30348 MERCEDES BENZ FINANCIA 36455 CORPORATE DR FARMINGTON HILLS, MI 48331 DISCOVERC PO BOX 30939 SALT LAKE CITY, UT 84130 800-347-2683 CREDIT ONE BANK NA PO BOX 98875 LAS VEGAS, NV 89193 702-269-1000 CITICARDS CBNA PO BOX 6241 SIOUX FALLS, SD 57117 800-950-5114 CAPITAL ONE PO BOX 31293 SALT LAKE CITY, UT 84131 800-955-7070 CAPITAL ONE PO BOX 31293 SALT LAKE CITY, UT 84131 800-955-7070 BRCLYSBANK 125 S WEST ST WILMINGTON, DE 19801 866-951-1416 BARCLAYS BANK DELAWARE PO BOX 8803 WILMINGTON, DE 19899 888-232-0780 BANK OF AMERICA, N.A. 4909 SAVARESE CIR TAMPA, FL 33634 800-669-6607 AQUA FINANCE INC 1 CORP DR STE 300 WAUSAU, WI 54401 715-848-5425 AMEX/CBNA 9111 DUKE BLVD MASON, OH 45040 800-243-6552 AMEX PO BOX 297871 FORT LAUDERDALE, FL 33329 800-874-2717 AMEX PO BOX 297871 FORT LAUDERDALE, FL 33329 800-874-2717 Affiliates FAQ Contact Us Service Agreement Terms of Use Security Privacy Policy ©smartcredit.com - Powered by the ConsumerDirect® Platform - All Rights Reserved IMPORTANT DISCLAIMER: Any credit scores, score changes or available plus points shown or inferred are estimates only. 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