Credit Analysis For

Sample Client
This analysis report was generated by Credit Miracles LLC and shows the
positive and negative items from all three Credit Bureaus

Created: May 16th, 2024

Prepared by
Credit Miracles LLC
445 Dexter Ave,
Montgomery, AL, 36104

(800) 544 2247

www.miraclesofcredit.com/
 (800) 544 2247

A Low Score Can Cost You

Having a great credit score is key to the rest of your financial life. It can mean the difference
between home ownership and renting for the rest of your life.

You will struggle to get approved for

Credit Cards Car Loans Mortgage

Obtaining a credit card can be a While the most common type of Some mortgage lenders will still
challenge if you have bad credit. loan, getting anything even close to finance you with bad credit, but you
Sometimes your only option is to put the 'advertised rates' is nearly will pay tens upon tens of thousands
down money on a secured card impossible with bad credit more for your loan

Real World Auto Loan Example

In this example it illustrates just how much of a difference having a great score can make.
Having a 710 vs a 524 would save you almost $10,000 on the life of the loan.

Potential Savings

$9,955.00
Having Low Score National Average If Your Score Was

524 680 710

$28,500 $28,500 $28,500

15% Interest 5% Interest 3% Interest
Financed for 60 months Financed for 60 months Financed for 60 months

$678 /mo $538 /mo $512 /mo

$12,181 $6,183 $2,226
Loan Interest Loan Interest Loan Interest

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Considering Home Ownership?

This will be the single largest purchase most of us will ever make in our lifetimes - make sure
you have a score well above 650 to take advantage of better interest rates.

Real World Home Loan Example

In this example it illustrates just how much of a difference having a great score can make.
Having a 710 vs a 524 would save you over $140,000 on the life of the loan.

Potential Savings

$143,328
Having Low Score National Average If Your Score Was

524 680 710

$250k $250k $250k

6.5% Interest 5% Interest 3.9% Interest
Financed for 30 years Financed for 30 years Financed for 30 years

$1,580 /mo $1,342 /mo $1,182 /mo

$318,861 $233,139 $175,533
Loan Interest Loan Interest Loan Interest

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 (800) 544 2247

Understanding Credit Scores

There are a lot of factors that go into your credit score. Your score will also vary depending
on which Credit Bureau the lender decides to use for your application. Understanding how it
all works will empower you to build and maintain a great score going forward.

Credit Scores
A credit score is a number generated
using a formula that is meant to predict
your credit worthiness.
Credit scores range from 300-850. The
higher your score is, the more likely you
will be approved for a loans.
The lower your score, the less likely you
will be approved.
Your interest rates will be MUCH higher
than someone who has a great credit
score.
Having a high score will save you many
thousands of dollars on some of the
most important puchases or your life.

Credit Bureaus
Credit Bureaus are companies that collect and maintain your credit information which
Lenders and Creditors use to determine whether or not you will be approved

Score Factors
35% Payment History
30% Amount Owed
15% Credit History
10% Types of Credit
10% Applying for Credit

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 (800) 544 2247

Credit Analysis for

Sample Client
Shows the positive and negative items from all three Credit Bureaus

572 04/26/2024
595 04/26/2024
591
04/26/2024

Accounts 19 Accounts 7 Accounts 17

Inquiries 4 Inquiries 3 Inquiries 5
Public Records 0 Public Records 0 Public Records 0
Collections 5 Collections 4 Collections 5
Current Past Due 0 Current Past Due 0 Current Past Due 0
Prior Past Due 0 Prior Past Due 0 Prior Past Due 0

Positive 13 Positive 4 Positive 14

Negative 15 Negative 10 Negative 13

- Credit Card Usage -

If you're carrying high balances, try to pay your balances down to below 25% of the available credit
limit of each card. Never spend more than that, even if you pay the bill off in full each month.

Account Details Equifax Experian Transunion

Avg Usage
Credit Card Limit $1,100 $6,050 $7,150

92 %
You have avg. $4,766.67 in
Credit Card Balance $2,311 $2,103 $2,311
revolving credit cards and
your balances avg. are
Percentage of Use 210% 35% 32%
$2,525.00 which means 0-9% 10-29% 30-49% 50-74% 75%+
that you are using avg.
92% of your available
Excellent Good Fair Poor Very Poor
credit.

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- Your Derogatory Items -

You have 26 items marked as delinquent or derogatory (negative)
Late payments, Collections, and other derogatory items within the last 6 months will hurt your credit
score more so than older in-active accounts

Account Name Dispute Type Equifax Experian TransUnion Details

CBNA - 426939002907**** ACCOUNTS Canceled by credit grantor

Negative Negative Positive

JPMCB AUTO - 1143111151**** ACCOUNTS Closed

Negative Negative Negative

MIDLANDCRE - 32266**** ACCOUNTS Collection account

Negative None None

CITI - 54241810**** ACCOUNTS Inactive account

Negative None Negative

BK OF AMER - 52** ACCOUNTS Canceled by credit grantor

Negative Negative Negative

Closed or paid account/zero

SERVLNPRAT - 6518N0002**** ACCOUNTS balance , Note loan ,
Negative None None

Charged off as bad debt ,

REGIONALFN - 814M000**** COLLECTIONS Purchased by another lender
Negative Negative Negative
,

GUARDIANCU - COLLECTIONS Charged off as bad debt ,

1000000091969**** Profit and loss write-off ,
Negative Negative Negative

ANTHOS AT BELMO - Consumer disputes this

973300**** COLLECTIONS account information ,
Negative None None
Collection account ,

MIDLAND CREDIT MANAGEM - COLLECTIONS Placed for collection

32266****
None Negative Negative

Charged off as bad debt ,

CAP ONE - 51780596**** COLLECTIONS Dispute resolved; reported
Negative Negative Negative
by grantor ,

Charged off as bad debt ,

TOWER LOAN - 9090601**** COLLECTIONS Profit and loss write-off ,
Negative None Negative

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 (800) 544 2247

- Your Public Records -

You have 0 on your report
Public records include details of any Court Records, Bankruptcy filings, Judgements & Tax Liens.
These can remain on your Credit Report for up to 7-10 years.

- Your Credit Inquiries -

You have 12 Inquiries on your report
Every time you apply for credit, it lowers your score. For this reason we ask that during
the credit repair process, you do not apply for any new credit.

Account Name Equifax Experian TransUnion Details

CCFI - 07/28/2022 Negative Impact

Negative None None

APAUTOMOTI - 05/27/2022 Negative Impact

Negative None None

FLAGSHIP CRE - 12/11/2023 Negative Impact

None None Negative

CPS - 12/11/2023 Negative Impact

None None Negative

ALLY FINANCI - 12/11/2023 Negative Impact

None None Negative

CHRYSLER CAP - 12/11/2023 Negative Impact

None None Negative

STIVERS CHRY - 12/11/2023 Negative Impact

None None Negative

CONSUMER PORTFOLIO SVC -

12/11/2023 Negative Impact
None Negative None

ALLY FINANCIAL - 12/11/2023 Negative Impact

None Negative None

700 CREDIT/STIVERS CHR -

12/11/2023 Negative Impact
None Negative None

STIVERSCHR - 12/11/2023 Negative Impact

Negative None None
STELLANTIS - 12/11/2023 Negative Impact
Negative None None

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 (800) 544 2247

How Long to See Results?

Credit line balances are reported to the bureaus once a month. Similarly your credit scores are also updated once a
month (different days for each account), therefore it can take 2-3 months to start seeing score improvements.
It is important to understand that improving your credit scores takes time, as well as a commitment to change your
regular spending habits to get you the best results.
This will be one of the most rewarding financial decisions you will make.
The sooner you start, the sooner we can get you results!

The Law is on Your Side

Nearly 80% of all credit reports have errors that can lower your scores - but you have legal rights
and we know how to use them to benefit you!
The law gives the right to dispute any item on your credit report. If those items can't be verified, they
have to be removed. We will write several letters to the bureaus and if they can't prove it, they have no
choice but to remove it.

We Will Fight for YOU!

Your Next Steps:

Log Into Your Client Portal
You will receive an email with your unique
login and password and instructions on how
to get started.

Upload Your Documents

Take a picture of these on your phone and
upload them to us in your client portal.
Copy of your Photo ID
Copy of a Utility Bill
Photo of your SSN Card

Sit Back & Relax

Once we have all your documentation, we
will start the disputing process and send
letters to all the credit bureaus and creditors
to get incorrect and negative items removed!
 Let's Get Started!
If you have any questions, or are ready to get started on your journey to great credit, then please
contact us on our website or with the information below

Credit Miracles LLC

445 Dexter Ave,
Montgomery, AL, 36104
(800) 544 2247
www.miraclesofcredit.com/

Visit Us Online at:www.miraclesofcredit.com/