Grade F
18
Auto
2
Mortgage
0
Credit Card
12
Others
4
18
In Good Standing
15
Open Accounts
7
Closed Accounts
11
$27,056
Min Monthly Payments
$208
Revolving
$3,995
Real Estate
$0
Installment
$8,290
Line of Credit
$0
89%
3
0
0
0
Name
VALENTINA FOX
Also Known As
N/A
Current
MCKENZIE ADAMS
Current
302 WASHINGTON ST 15066
SAN DIEGO, CA 92103
Date of Birth
10/28/1971
Phone
N/A
No consumer statement available.
Excellent
You have a long, established, positive credit history.
Very Good
You have a positive credit history with no or very few recent late payments.
Average
You are responsible with your credit and payments are usually on time.
Poor
You have a number of issues with your credit.
Low
You have significant credit issues or only very recently established credit.
Not Rated
You have either very little credit history or very serious credit problems.
Excellent
You can get almost any automobile you wish. Your interest rate and terms will be excellent with no down payment.
Very Good
You will have good interest rates and terms. Your approval should not be a problem. Minimal or no down payment.
Average
You will have higher interest rates, greater down payment and less flexible terms, but you should get approved.
Poor
You might not get approved for your auto loan unless it is below $20,000 factory list price, plus a large down payment.
Low
Little chance of a main stream auto loan. Sub-prime approval is possible with 50% down payment.
Not Rated
Auto loan approval very unlikely.
Excellent
You should receive the best possible rates and terms for your insurance.
Very Good
Insurance companies deem you as a low risk and a preferred customer.
Average
Your insurance rates and terms should be normal and average.
Poor
You should be under written with insurance, but your rates will be a little higher.
Low
Your insurance rates will be high and your terms strict.
Not Rated
You might not get insurance or your rates and terms will be very difficult for you.
AMERICAN EXPRESS - GENERAL INQUIRES
Account #
349992XXXXXXXXXX
Balance Owed
$10,479
Account Status
Open
Payment Amount
$0
Payment Status
Past Due - $290
Credit Limit
$0
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Account information disputed by consumer
Account Type
Credit Card
Last Payment
--
Account Verified
Jul 9, 2026
Date Opened
Jun 10, 2017
High Balance
$62,557
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
30-59 days past due
Account Description
Individual account, Open Account, Credit Card
Action History
No Actions Taken
AMERICAN EXPRESS - GENERAL INQUIRES
P.O. BOX 981537
EL PASO, TX 79998
(800) 874-2717
AQUA FINANCE INC
Account #
910163XXX
Balance Owed
$8,290
Account Status
Open
Payment Amount
$0
Payment Status
Current
Credit Limit
$0
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Payment deferred
Account Type
Installment Sales Contract
Last Payment
--
Account Verified
Jun 30, 2026
Date Opened
Aug 5, 2025
High Balance
$8,290
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
Paid or paying as agreed
Account Description
Individual account, Installment account, Installment Sales Contract
Action History
No Actions Taken
AQUA FINANCE INC
1 CORPORATE COVE SUITE 300
WAUSAU, WI 54401
(715) 848-5425
CAPITAL ONE - ALL
Account #
415417XXXXXX
Balance Owed
$4,292
Account Status
Closed Charge-off
Payment Amount
$0
Payment Status
Past Due - $4,292
Credit Limit
$5,000
Recent Payment History
No payment history available.
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Dispute resolved reported by grantor
Account Type
Business Credit Card
Last Payment
Apr 21, 2026
Account Verified
Jul 14, 2026
Date Opened
May 22, 2021
High Balance
$14,077
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
Paid or paying account with Charge-off
Account Description
Individual account, Revolving, Business Credit Card
Action History
No Actions Taken
CAPITAL ONE - ALL
PO BOX 31293
SALT LAKE CITY, UT 84131
(800) 955-7070
TBOM/FORTIVA
Account #
765650XXXXXXXXXX
Balance Owed
$3,500
Account Status
Open
Payment Amount
$178
Payment Status
Current
Credit Limit
$3,500
Recent Payment History
No payment history available.
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
No Remarks Provided
Account Type
Credit Card
Last Payment
--
Account Verified
Jul 10, 2026
Date Opened
Jun 5, 2026
High Balance
$3,500
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
Paid or paying as agreed
Account Description
Individual account, Revolving, Credit Card
Action History
No Actions Taken
TBOM/FORTIVA
POB 105555
ATLANTA, GA 30348
(800) 710-2961
BARCLAYS BANK DELAWARE
Account #
000308XXXXXXXXX
Balance Owed
$495
Account Status
Open
Payment Amount
$30
Payment Status
Past Due - $30
Credit Limit
$1,000
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
No Remarks Provided
Account Type
Flexible Spending Credit Card
Last Payment
May 11, 2025
Account Verified
Jul 22, 2026
Date Opened
Apr 22, 2018
High Balance
$3,555
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
30-59 days past due
Account Description
Individual account, Revolving, Flexible Spending Credit Card
Action History
No Actions Taken
BARCLAYS BANK DELAWARE
P.O. BOX 8803
WILMINGTON, DE 19899
(888) 232-0780
CITIBANK
Account #
542418XXXXXX
Balance Owed
$0
Account Status
Open
Payment Amount
$0
Payment Status
Current
Credit Limit
$21,000
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
No Remarks Provided
Account Type
Credit Card
Last Payment
Jul 1, 2026
Account Verified
Aug 5, 2026
Date Opened
Dec 28, 2015
High Balance
$18,138
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
Paid or paying as agreed
Account Description
Account relationship terminated, Revolving, Credit Card
Action History
No Actions Taken
CITIBANK
PO BOX 6217
SIOUX FALLS, SD 57117
AMERICAN EXPRESS - GENERAL INQUIRES
Account #
349992XXXXXXXXXX
Balance Owed
$0
Account Status
Open
Payment Amount
$0
Payment Status
Current
Credit Limit
$0
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Account information disputed by consumer
Account Type
Credit Card
Last Payment
--
Account Verified
Jul 9, 2026
Date Opened
Jul 24, 2017
High Balance
$8,225
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
Paid or paying as agreed
Account Description
Individual account, Open Account, Credit Card
Action History
No Actions Taken
AMERICAN EXPRESS - GENERAL INQUIRES
P.O. BOX 981537
EL PASO, TX 79998
(800) 874-2717
BARCLAYS BANK DELAWARE
Account #
000288XXXXXXXXX
Balance Owed
$0
Account Status
Closed
Payment Amount
$0
Payment Status
Current
Credit Limit
$5,550
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Account closed by credit grantor
Account Type
Flexible Spending Credit Card
Last Payment
Sep 20, 2025
Account Verified
Oct 6, 2025
Date Opened
Jun 6, 2017
High Balance
$6,380
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
Paid or paying as agreed
Account Description
Individual account, Revolving, Flexible Spending Credit Card
Action History
No Actions Taken
BARCLAYS BANK DELAWARE
P.O. BOX 8803
WILMINGTON, DE 19899
(888) 232-0780
AMEX/DSNB
Account #
377481XXXXXXXXX
Balance Owed
$0
Account Status
Closed
Payment Amount
$0
Payment Status
Current
Credit Limit
$2,000
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Account closed by credit grantor
Account Type
Credit Card
Last Payment
Jun 7, 2022
Account Verified
Mar 6, 2025
Date Opened
Aug 17, 2016
High Balance
$1,658
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
Paid or paying as agreed
Account Description
Individual account, Revolving, Credit Card
Action History
No Actions Taken
AMEX/DSNB
PO BOX 6789
SIOUX FALLS, SD 57117
AMERICAN EXPRESS
Account #
349992XXXXXXXXXX
Balance Owed
$0
Account Status
Closed
Payment Amount
$0
Payment Status
Current
Credit Limit
$0
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Closed
Account Type
Unsecured
Last Payment
--
Account Verified
Jul 4, 2023
Date Opened
Apr 25, 2022
High Balance
$20,000
Term Length
36 Month(s)
Payment Frequency
Monthly
Account Rating
Paid or paying as agreed
Account Description
Individual account, Installment account, Unsecured
Action History
No Actions Taken
AMERICAN EXPRESS
P.O. BOX 981537
EL PASO, TX 79998
(800) 874-2717
MERCEDES-BENZ FINANCIAL SERVICES
Account #
500207XXXXXXX
Balance Owed
$0
Account Status
Closed
Payment Amount
$0
Payment Status
Current
Credit Limit
$0
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Closed
Account Type
Automobile
Last Payment
Jul 8, 2022
Account Verified
Jul 8, 2022
Date Opened
Oct 28, 2021
High Balance
$53,538
Term Length
72 Month(s)
Payment Frequency
Monthly
Account Rating
Paid or paying as agreed
Account Description
Joint account, Installment account, Automobile
Action History
No Actions Taken
MERCEDES-BENZ FINANCIAL SERVICES
P.O. BOX 961
ROANOKE, TX 76262
BANK OF AMERICA - MORTGAGE
Account #
650100XXXXXXXX
Balance Owed
$0
Account Status
Closed
Payment Amount
$0
Payment Status
Current
Credit Limit
$0
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Closed
Account Type
Automobile
Last Payment
Jul 5, 2022
Account Verified
Jul 5, 2022
Date Opened
Oct 19, 2021
High Balance
$44,044
Term Length
48 Month(s)
Payment Frequency
Monthly
Account Rating
Paid or paying as agreed
Account Description
Individual account, Installment account, Automobile
Action History
No Actions Taken
BANK OF AMERICA - MORTGAGE
PO BOX 45144
JACKSONVILLE, FL 32231
(800) 215-6195
CITIBANK
Account #
542418XXXXXX
Balance Owed
$0
Account Status
Closed
Payment Amount
$0
Payment Status
Current
Credit Limit
$6,400
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Inactive account
Account Type
Credit Card
Last Payment
Dec 3, 2019
Account Verified
Aug 12, 2021
Date Opened
Jul 28, 2016
High Balance
$5,466
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
Paid or paying as agreed
Account Description
Individual account, Revolving, Credit Card
Action History
No Actions Taken
CITIBANK
PO BOX 6217
SIOUX FALLS, SD 57117
DISCOVER FINANCIAL SERVICES
Account #
601100XXXXXX
Balance Owed
$0
Account Status
Closed
Payment Amount
$0
Payment Status
Current
Credit Limit
$13,500
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Dispute resolved reported by grantor
Account Type
Credit Card
Last Payment
Jul 13, 2021
Account Verified
Aug 10, 2021
Date Opened
Jul 29, 2016
High Balance
$13,619
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
Paid or paying as agreed
Account Description
Individual account, Revolving, Credit Card
Action History
No Actions Taken
DISCOVER FINANCIAL SERVICES
PO BOX 30939
SALT LAKE CITY, UT 84130
(800) 347-2683
CREDIT ONE BANK - ERROR DISPUTE
Account #
444796XXXXXXXXXX
Balance Owed
$0
Account Status
Closed
Payment Amount
$0
Payment Status
Current
Credit Limit
$700
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Account closed by credit grantor
Account Type
Credit Card
Last Payment
Jan 23, 2020
Account Verified
Oct 25, 2020
Date Opened
Nov 18, 2016
High Balance
$118
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
Paid or paying as agreed
Account Description
Individual account, Revolving, Credit Card
Action History
No Actions Taken
CREDIT ONE BANK - ERROR DISPUTE
PO BOX 98872
LAS VEGAS, NV 89193
(877) 825-3242
AMERICAN EXPRESS
Account #
349992XXXXXXXXXX
Balance Owed
$0
Account Status
Closed
Payment Amount
$0
Payment Status
Current
Credit Limit
$0
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Closed
Account Type
Unsecured
Last Payment
--
Account Verified
Dec 8, 2019
Date Opened
Aug 9, 2018
High Balance
$7,200
Term Length
36 Month(s)
Payment Frequency
Monthly
Account Rating
Paid or paying as agreed
Account Description
Individual account, Installment account, Unsecured
Action History
No Actions Taken
AMERICAN EXPRESS
P.O. BOX 981537
EL PASO, TX 79998
(800) 874-2717
BARCLAYS BANK DELAWARE
Account #
900030XXXX
Balance Owed
$0
Account Status
Closed
Payment Amount
$0
Payment Status
Current
Credit Limit
$0
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
Closed
Account Type
Unsecured
Last Payment
Sep 29, 2019
Account Verified
Sep 29, 2019
Date Opened
Jun 24, 2018
High Balance
$5,000
Term Length
60 Month(s)
Payment Frequency
Monthly
Account Rating
Paid or paying as agreed
Account Description
Individual account, Installment account, Unsecured
Action History
No Actions Taken
BARCLAYS BANK DELAWARE
P.O. BOX 8803
WILMINGTON, DE 19899
(866) 951-1416
DISCOVER FINANCIAL SERVICES
Account #
601100XXXXXX
Balance Owed
$0
Account Status
Open
Payment Amount
$0
Payment Status
Current
Credit Limit
$11,200
Recent Payment History
Days Late - Last 7 Years
30: 0
60: 0
90: 0
Creditor Remarks
No Remarks Provided
Account Type
Credit Card
Last Payment
Oct 11, 2016
Account Verified
Nov 11, 2016
Date Opened
Jun 24, 1996
High Balance
$3,255
Term Length
0 Month(s)
Payment Frequency
--
Account Rating
Paid or paying as agreed
Account Description
Account relationship terminated, Revolving, Credit Card
Action History
No Actions Taken
DISCOVER FINANCIAL SERVICES
PO BOX 30939
SALT LAKE CITY, UT 84130
(800) 347-2683
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