Experian
Experian
Prepared For
JERYL BRYANT
Personal & con,dential
Date generated: May 20, 2024
At a glance
FICO® Score 8
794 Experian data May 20, 2024
300 850
Very Good
[Link] Page 1 of 57
Experian 5/20/24, 3:06 AM
Personal information
Personal statements
No Statement(s) present at this time
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Experian 5/20/24, 3:06 AM
Open accounts
AMEX $0
Account info
Account name AMEX Balance $0
Account number 3499922727829373 Balance updated Apr 26, 2024
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - -
2023
2022
2021
2020
2019
2018
2017 - - - -
Contact info
Address PO BOX 297871 FORT
LAUDERDALE,
FL 33329
Phone number (800) 874-2717
Comments
-
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Experian 5/20/24, 3:06 AM
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Experian 5/20/24, 3:06 AM
Account info
Account name BARCLAYS BANK DELAWARE Balance $535
Account number 000068XXXXXXXXX Balance updated Apr 24, 2024
Date opened Feb 01, 2008 Last Payment Date Apr 20, 2024
Open/closed Open Highest balance $5,179
Status Open/Never late. Terms -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - -
2023
2022
2021
2020
2019
2018
2017 - - - -
Contact info
Address PO BOX 8803 WILMINGTON,
DE 19899
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name BARCLAYS BANK DELAWARE Balance $0
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - -
2023
2022
2021
2020
2019
2018
2017 - - - -
Contact info
Address PO BOX 8803 WILMINGTON,
DE 19899
Phone number (888) 232-0780
Comments
-
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Experian 5/20/24, 3:06 AM
CAPITAL ONE $0
Account info
Account name CAPITAL ONE Balance $0
Date opened Jun 07, 2000 Last Payment Date Jan 23, 2023
Open/closed Open Highest balance $4,021
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - -
2023
2022
2021
2020
2019
2018
2017 - - - -
Contact info
Address PO BOX 31293 SALT LAKE
CITY,
UT 84131
Comments
-
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Experian 5/20/24, 3:06 AM
CBNA $1,621
Account info
Account name CBNA Balance $1,621
Your statement -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - - - -
Contact info
Address 50 NORTHWEST POINT
ROAD ELK GROVE VILLAGE,
IL 60007
Phone number -
Comments
-
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Experian 5/20/24, 3:06 AM
CITI $3,122
Account info
Account name CITI Balance $3,122
Date opened Oct 04, 2002 Last Payment Date Apr 27, 2024
Open/closed Open Highest balance $7,448
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - -
2023
2022
2021
2020
2019
2018
2017 - - - - -
Contact info
Address PO BOX 6190 SIOUX FALLS,
SD 57117
Comments
-
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Experian 5/20/24, 3:06 AM
FNB OMAHA $0
Account info
Account name FNB OMAHA Balance $0
Your statement -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - -
2023
2022
2021 30
2020 30
2019 - - - - - 30
Contact info
Address PO BOX 3412 OMAHA,
NE 68103
Phone number -
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name JPMCB AUTO Balance $2,565
Account number 119334XXXXXXXX Balance updated May 14, 2024
Date opened Nov 30, 2019 Last Payment Date Apr 15, 2024
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - -
2023
2022
2021
2020
Contact info
Address PO BOX 901003 FORT
WORTH,
TX 76101
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name JPMCB CARD Balance $4,717
Date opened Oct 27, 2018 Last Payment Date Apr 23, 2024
Open/closed Open Highest balance $4,717
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - -
2023
2022
2021
2020
2019
2018 - - - - - - - - - -
Contact info
Address PO BOX 15369
WILMINGTON,
DE 19850
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name JPMCB CARD Balance $2,882
Account number 426684XXXXXX Balance updated Apr 18, 2024
Date opened Nov 27, 2009 Last Payment Date Apr 15, 2024
Open/closed Open Highest balance $10,555
Status Open/Never late. Terms -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - -
2023
2022
2021
2020
2019
2018
2017 - - - -
Contact info
Address PO BOX 15369
WILMINGTON,
DE 19850
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name JPMCB CARD Balance $273
Account number 414740XXXXXX Balance updated Apr 16, 2024
Original creditor - Credit limit $19,000
Your statement -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - -
2023
2022
2021 - - - - - - - - - - -
Contact info
Address PO BOX 15369
WILMINGTON,
DE 19850
Comments
-
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Experian 5/20/24, 3:06 AM
MACYS/CBNA $121
Account info
Account name MACYS/CBNA Balance $121
Account number 445169XXXXXX Balance updated Apr 20, 2024
Original creditor - Credit limit $1,800
Company sold - Credit usage 6%
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - -
2023
2022
2021
2020
2019
2018
2017 - - - -
Contact info
Address PO BOX 8218 MASON,
OH 45040
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name NORDSTROM/TD BANK USA Balance $174
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - -
2023
2022 - - - - - - - - -
Contact info
Address 13531 E CALEY AVE
ENGLEWOOD,
CO 80111
Phone number (800) 964-1800
Comments
-
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Experian 5/20/24, 3:06 AM
NR/SMS/CAL $179,521
Account info
Account name NR/SMS/CAL Balance $179,521
Account number 685260XXX Balance updated Mar 31, 2024
Date opened Apr 09, 2012 Last Payment Date Mar 03, 2024
Open/closed Open Terms 30 Years
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - - -
2023 - - - - - - -
Contact info
Address 601 OFFICE CENTER DR STE
FORT WASHINGTON,
PA 19034
Phone number (866) 637-0744
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name ROCKET MORTGAGE Balance $186,384
Account number 867349XXXXXXX Balance updated May 03, 2024
Date opened Apr 21, 2017 Last Payment Date Apr 08, 2024
Open/closed Open Terms 30 Years
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - -
2023
2022 - -
Contact info
Address 1050 WOODWARD AVE
DETROIT,
MI 48226
Phone number (800) 508-0944
Comments
-
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Experian 5/20/24, 3:06 AM
SYNCB/PPC $30
Account info
Account name SYNCB/PPC Balance $30
Account number 604419XXXXXX Balance updated May 07, 2024
Date opened Oct 30, 2018 Last Payment Date May 01, 2024
Open/closed Open Highest balance $833
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - -
2023
2022
2021
2020
2019 - - - -
Contact info
Address PO BOX 530975 ORLANDO,
FL 32896
Comments
-
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Experian 5/20/24, 3:06 AM
SYNCB/TJX COS DC $0
Account info
Account name SYNCB/TJX COS DC Balance $0
Account number 524366XXXXXX Balance updated May 12, 2024
Date opened Feb 29, 2024 Last Payment Date Apr 16, 2024
Open/closed Open Highest balance $179
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - - -
Contact info
Address PO BOX 965015 ORLANDO,
FL 32896
Comments
-
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Experian 5/20/24, 3:06 AM
THD/CBNA $649
Account info
Account name THD/CBNA Balance $649
Account number 603532XXXXXXXXXX Balance updated May 18, 2024
Date opened Mar 22, 2008 Last Payment Date May 13, 2024
Open/closed Open Highest balance $3,655
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - -
2023
2022
2021
2020
2019
2018
2017 - - - - -
Contact info
Address PO BOX 6497 SIOUX FALLS,
SD 57117
Comments
-
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Experian 5/20/24, 3:06 AM
THD/CBNA $87
Account info
Account name THD/CBNA Balance $87
Account number 603532XXXXXXXXXX Balance updated Apr 25, 2024
Date opened Apr 13, 2019 Last Payment Date Oct 25, 2022
Open/closed Open Highest balance $270
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - -
2023
2022
2021
2020
2019 - - -
Contact info
Address PO BOX 6497 SIOUX FALLS,
SD 57117
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name UNIVERSITY CREDIT UNIO Balance $0
Account number 155752XXXX Balance updated Mar 31, 2024
Date opened Mar 20, 2019 Last Payment Date Jan 22, 2021
Open/closed Open Highest balance $1,000
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - - -
2023
2022
2021
2020
2019 - -
Contact info
Address 1500 S SEPULVEDA BLVD
LOS ANGELES,
CA 90025
Phone number (310) 477-6628
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name WESCOM CENTRAL CREDIT Balance $25,000
Account number 112137XXXXX Balance updated May 01, 2024
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - - - - -
Contact info
Address 123 S MARENGO AVE
PASADENA,
CA 91101
Phone number (888) 493-7266
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name WF CRD SVC Balance -
Payment history
No payment history available to display.
Contact info
Address PO BOX 393 MINNEAPOLIS,
MN 55480
Phone number (855) 854-3502
Comments
Account in dispute under Fair Credit Billing Act
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Experian 5/20/24, 3:06 AM
Closed accounts
AMEX $0
Account info
Account name AMEX Balance $0
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016
ND ND ND ND ND ND CLS - - - - -
ND ND ND ND ND ND ND ND ND ND ND ND
2015
2014 ND ND ND ND ND ND
2013
2012
2011 - - - - -
- Data Unavailable
Contact info
Address PO BOX 297871 FORT
LAUDERDALE,
FL 33329
Comments
Purchased by another lender
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Experian 5/20/24, 3:06 AM
BANK OF AMERICA $0
Account info
Account name BANK OF AMERICA Balance $0
Account number XXX Balance updated Jan 27, 2016
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016
CLS - - - - - - - - - - -
2015
2014
ND ND ND ND ND ND ND ND ND ND ND ND
2013
2012
ND ND ND ND ND ND ND
2011 ND ND ND ND ND ND
2010 - - -
- Data Unavailable
Contact info
Address PO BOX 982238 EL PASO,
TX 79998
Comments
Account closed at consumer's request
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Experian 5/20/24, 3:06 AM
Account info
Account name BANK OF AMERICA Balance -
Account type Credit card Last Payment Date Oct 03, 2020
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
CLS - - - - - - - - - - -
2020
2019
2018
2017
2016 -
Contact info
Address PO BOX 982238 EL PASO,
TX 79998
Comments
Account closed at credit grantor's request
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Experian 5/20/24, 3:06 AM
Account info
Account name BANK OF AMERICA Balance -
Account type Credit card Last Payment Date Apr 15, 2019
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020 CLS
2019
2018
2017
2016
2015
2014
Contact info
Address PO BOX 982238 EL PASO,
TX 79998
Comments
Account closed at credit grantor's request
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Experian 5/20/24, 3:06 AM
Account info
Account name BARCLAYS BANK DELAWARE Balance -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2017 CLS
2016 - - - - -
Contact info
Address PO BOX 8803 WILMINGTON,
DE 19899
Comments
Closed due to inactivity
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Experian 5/20/24, 3:06 AM
Account info
Account name BARCLAYS BANK DELAWARE Balance -
Account type Credit card Last Payment Date Dec 02, 2008
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016 CLS - -
2015
2014
2013
2012
2011 CLS
2010
2009 - - - - - - - - - - -
Contact info
Address PO BOX 8803 WILMINGTON,
DE 19899
Comments
Account closed at credit grantor's request
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Experian 5/20/24, 3:06 AM
CBNA Closed
Exceptional payment history
Account info
Account name CBNA Balance -
Account type Credit card Last Payment Date Jun 23, 2020
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022 CLS - - - - - -
2021
2020
2019 - - - - - - - - - -
Contact info
Address 50 NORTHWEST POINT
ROAD ELK GROVE VILLAGE,
IL 60007
Phone number -
Comments
Account closed at credit grantor's request
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Experian 5/20/24, 3:06 AM
Account info
Account name CITIMORTGAGE INC Balance -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2017 CLS -
2016
2015
2014
2013
2012 - - - -
Contact info
Address PO BOX 9438
GAITHERSBURG,
MD 20898
Phone number (800) 283-7918
Comments
Transferred to another lender
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Experian 5/20/24, 3:06 AM
COMENITYBANK/VICTORIA Closed
Exceptional payment history
Account info
Account name COMENITYBANK/VICTORIA Balance -
Account type Charge Card Last Payment Date Jul 18, 2019
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021 CLS - -
2020
2019 - - - -
Contact info
Address PO BOX 182789
COLUMBUS,
OH 43218
Phone number -
Comments
Account closed at credit grantor's request
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Experian 5/20/24, 3:06 AM
COMENITYBANK/VICTORIA Closed
Exceptional payment history
Account info
Account name COMENITYBANK/VICTORIA Balance -
Account type Charge Card Last Payment Date Jul 23, 2016
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 CLS - - - - - - - -
2018
2017
2016 - - - - ND
- Data Unavailable
Contact info
Address PO BOX 182789
COLUMBUS,
OH 43218
Phone number -
Comments
Account closed at credit grantor's request
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Experian 5/20/24, 3:06 AM
Account info
Account name FREEDOM MORTGAGE CORP Balance -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022 CLS - - - - - - - - - -
2021
2020
2019 - - - - - - - - - - -
Contact info
Address 951 W YAMATO RD STE 175
BOCA RATON,
FL 33431
Phone number (800) 220-3333
Comments
Transferred to another lender
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Experian 5/20/24, 3:06 AM
Account info
Account name JG WENTWORTH HOME LEND Balance -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 CLS -
2018
2017 - - - -
Contact info
Address 3350 COMMISSION CT
WOODBRIDGE,
VA 22192
Phone number (703) 643-1002
Comments
Transferred to another lender
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Experian 5/20/24, 3:06 AM
KOHLS/CAPONE Closed
Exceptional payment history
Account info
Account name KOHLS/CAPONE Balance -
Account type Charge Card Last Payment Date Dec 31, 2015
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
CLS - - - - - - - - - - -
2018
2017
2016
2015 - - - - - - - - - -
Contact info
Address N56 RIDGEWOOD DR
MENOMONEE FAL,
WI 53051
Phone number (262) 703-7000
Comments
Closed due to inactivity
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Experian 5/20/24, 3:06 AM
Account info
Account name MERCEDES BENZ FINANCIA Balance -
Account type Auto Lease Last Payment Date Nov 23, 2019
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 CLS -
2018
2017
Contact info
Address 36455 CORPORATE DR
FARMINGTON HILLS,
MI 48331
Phone number By mail only
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name NATIONSTAR/MR COOPER Balance -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 CLS - - - -
2022
2021
2020
2019
2018
2017 - - - - - - - - - - -
Contact info
Address 8950 CYPRESS WATERS
BLVD COPPELL,
TX 75019
Phone number (888) 480-2432
Comments
Transferred to another lender
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Experian 5/20/24, 3:06 AM
Account info
Account name NATIONSTAR/MR COOPER Balance -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2017 CLS - - - - - - - -
2016 - - - - - - - - - -
Contact info
Address 8950 CYPRESS WATERS
BLVD COPPELL,
TX 75019
Phone number (888) 480-2432
Comments
-
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Experian 5/20/24, 3:06 AM
Account info
Account name NORDSTROM/TD BANK USA Balance -
Account type Credit card Last Payment Date Oct 02, 2016
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020 CLS - - - - - - -
2019
2018
2017
2016
2015
2014
2013 - - - - -
Contact info
Address 13531 E CALEY AVE
ENGLEWOOD,
CO 80111
Phone number (800) 964-1800
Comments
Account closed at consumer's request
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Experian 5/20/24, 3:06 AM
Account info
Account name RADIO SHACK/CBNA Balance -
Account type Charge Card Last Payment Date Apr 15, 2015
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2015 CLS - - - -
Contact info
Address PO BOX 6497 SIOUX FALLS,
SD 57117
Comments
Account closed at credit grantor's request
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Experian 5/20/24, 3:06 AM
Account info
Account name SENECA MORTGAGE SERVIC Balance -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016 CLS - - -
2015
2014 - - - - -
Contact info
Address 800 3RD AVE STE 225 NEW
YORK,
NY 10022
Phone number (646) 362-7006
Comments
Transferred to another lender
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Experian 5/20/24, 3:06 AM
Account info
Account name SYNCB/CARE CREDIT Balance -
Account type Charge Card Last Payment Date Mar 21, 2011
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2015 CLS - - - - - -
2014
2013
2012
2011
2010 - -
Contact info
Address 950 FORRER BLVD
KETTERING,
OH 45420
Phone number (937) 534-6950
Comments
Closed due to inactivity
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Experian 5/20/24, 3:06 AM
SYNCB/FLOR Closed
Exceptional payment history
Account info
Account name SYNCB/FLOR Balance -
Account type Charge Card Last Payment Date Sep 15, 2016
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 CLS
2018
2017
2016
2015
2014 - - - - - - - - - -
Contact info
Address C/O P.O. BOX 965036
ORLANDO,
FL 32896
Phone number (866) 396-8254
Comments
Closed due to inactivity
[Link] Page 46 of 57
Experian 5/20/24, 3:06 AM
SYNCB/LENSCRAFTERS Closed
Exceptional payment history
Account info
Account name SYNCB/LENSCRAFTERS Balance -
Account type Charge Card Last Payment Date Jul 25, 2016
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020 CLS - - - -
2019
2018
2017
2016 - - - -
Contact info
Address C/O PO BOX 965036
ORLANDO,
FL 32896
Phone number (866) 396-8254
Comments
Closed due to inactivity
[Link] Page 47 of 57
Experian 5/20/24, 3:06 AM
SYNCB/LOWES Closed
Exceptional payment history
Account info
Account name SYNCB/LOWES Balance -
Account type Charge Card Last Payment Date May 17, 2019
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 CLS - - - - - -
2022
2021
2020
2019
2018
2017
2016 - - - - - -
Contact info
Address PO BOX 965005 ORLANDO,
FL 32896
Comments
Closed due to inactivity
[Link] Page 48 of 57
Experian 5/20/24, 3:06 AM
Account info
Account name UNIVERSITY CREDIT UNIO Balance -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022 CLS - - - -
2021
2020 - - - - - - -
Contact info
Address 1500 S SEPULVEDA BLVD
LOS ANGELES,
CA 90025
Phone number (310) 477-6628
Comments
-
[Link] Page 49 of 57
Experian 5/20/24, 3:06 AM
Account info
Account name UNIVERSITY CREDIT UNIO Balance -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020 CLS - - - -
2019 - -
Contact info
Address 1500 S SEPULVEDA BLVD
LOS ANGELES,
CA 90025
Phone number (310) 477-6628
Comments
-
[Link] Page 50 of 57
Experian 5/20/24, 3:06 AM
US BANK Closed
Exceptional payment history
Account info
Account name US BANK Balance -
Account type Auto Loan Last Payment Date Feb 13, 2015
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2015 CLS - - - - - - - - - -
2014
2013
2012
2011
2010
Contact info
Address PO BOX 5227 CINCINNATI,
OH 45201
Comments
-
[Link] Page 51 of 57
Experian 5/20/24, 3:06 AM
Collection accounts
[Link] Page 52 of 57
Experian 5/20/24, 3:06 AM
Public records
No public records reported.
[Link] Page 53 of 57
Experian 5/20/24, 3:06 AM
Inquiries
Business Type: All Banks - non speci,c Business Type: Credit Unions
Business Type: Bank Credit Cards Business Type: Bank Credit Cards
PASADENA, CA 91101
(888) 493-7266
[Link] Page 54 of 57
Experian 5/20/24, 3:06 AM
Credit scores
FICO® Score 8
Go od Ve
74 ry G
0- o
ir 79
Fa
od
9
794
Your score is above the average of U.S. consumers and
Ex
tional
300 850
What's helping
No serious delinquency
There is no evidence of a serious delinquency (90 days past due or greater) or derogatory indicator on your credit report.
Number of your accounts that were ever 90 days late or worse: 0 accounts
Virtually no FICO High Achievers have a 90 days late payment or worse listed on their credit report.
The presence of delinquencies or derogatory indicator in a credit report is a powerful predictor of future payment risk. People with no previous late
payments are much more likely to pay on time in the future.
FICO High Achievers opened their oldest account 25 years ago, on average.
Most FICO High Achievers have an average age of accounts of 9 years or more.
FICO® Scores measure the age of the oldest account and the average age of all accounts being reported. Generally speaking, having a relatively long
credit history and not opening many new accounts is reeective of lower risk.
FICO High Achievers have an average of 6 accounts currently being paid as agreed.
FICO® Scores consider the number of accounts that are being paid as agreed - in your case this number is high. Staying current and paying bills on time
demonstrates lower risk.
[Link] Page 55 of 57
Experian 5/20/24, 3:06 AM
Your balances on mortgage and/or non-mortgage installment loans are relatively low or substantially paid off.
Percentage of principal you have paid down on your open non-mortgage installment loans: 55%
FICO High Achievers have paid down an average of 40% of the principal on their non-mortgage installment loans.
FICO® Scores evaluate amounts paid down and total outstanding installment loan balances in relation to the original loan amounts on those accounts.
Having made substantial payments on mortgage and/or non-mortgage installment loans is seen as lower risk. As installment loan balances decrease,
they have less impact on a FICO® Score. Note, having a low installment loan balance to loan amount ratio is considered slightly less risky than having a
0% installment loan ratio. Consolidating or moving debt from one account to another will usually not help a FICO® Score since the same total amount is
owed and the score may go down due to opening a new account.
What's hurting
Bad payment history
You have one or more accounts showing missed payments or derogatory indicators.
About 98% of FICO High Achievers have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average.
The presence of missed and late payments or derogatory indicators on a credit report, including the number of late payments, how late they were and
how recently they occurred, are correlated with future credit risk. Your FICO® Score was lowered due to the number of missed and late payments and/or
accounts with derogatory indicators reported. As the number of accounts with delinquency or derogatory indicators decreases, they have less impact on
a FICO® Score.
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Disclaimer
Base FICO® Scores (including the FICO® Score 8) range from 300 to 850. Industry-speci,c 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.
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