4/17/24, 6:28 PM Your Credit Health | Credit Karma

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Apr 17, 2024

AMANDA K STRUBLE
622
Calculated using VantageScore 3.0
Provided by TransUnion

Personal Information
NAMES REPORTED

AMANDA K STRUBLE
AMANDAK FISHER

EMPLOYMENT INFO

NORTHSIDE HEATING COOLING AND REFRI

NORTHSIDE HEATING AND COOLING

ADDRESSES REPORTED

4315 KELLER ST
NORTON SHORES, MI
49441

522 S DESPELDER ST
GRAND HAVEN, MI
49417

15315 MERCURY DR
GRAND HAVEN, MI
49417

Accounts
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account.

AUTO LOANS

USAA FED SVG BK - SAN AN $13,027.00 -

Reported: Mar. 31, 2024 Closed

Overview

You have 41% left to pay on this loan.

Balance Highest Balance

$13027 $31965

Monthly payment $0

Opened Jun. 26, 2018 (5 yrs, 9 mos)

Term 72 months

Payment History

Last payment Sep. 30, 2022

Current Payment Status In Collections/Charge-off

Worst Payment Status No Info

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Account Details

Account status Derogatory

Type Auto Loan

Responsibility Joint

Remarks Charged off as bad debt

Profit and loss write-off

Times 30/60/90 days late 0/0/0

Closed Jul. 31, 2021

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Creditor Information
USAA FED SVG BK - SAN AN
POB 47504
SAN ANTONIO, TX 78265

(210) 498-2265

USAA FED SVG BK - SAN AN $0.00 -

Reported: Apr. 18, 2018 Closed

Overview
You have 0% left to pay on this loan.
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Balance Highest Balance

$0 $4800

Monthly payment $0

Opened Sep. 16, 2015 (8 yrs, 7 mos)

Term 60 months

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Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2018

2017
2016

2015

Current Late Unknown

Last payment Apr. 18, 2018

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Closed

Type Auto Loan

Responsibility Joint

Remarks Closed

Times 30/60/90 days late 0/0/0

Closed Apr. 18, 2018

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Creditor Information
USAA FED SVG BK - SAN AN
POB 47504
SAN ANTONIO, TX 78265

(210) 498-2265

CREDIT CARDS

CAPITAL ONE $423.00 -

Reported: Apr. 13, 2024 In good standing

Overview
You're currently using 71% of your account's limit.

Balance Credit limit

$423 $600

Monthly payment $25

Opened Oct. 25, 2022 (1 yr, 5 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024

2023

2022

Current Late Unknown

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Last payment Mar. 29, 2024

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Open

Type Credit Card

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
CAPITAL ONE
PO BOX 31293
SALT LAKE CITY, UT 84131

(800) 955-7070

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CAPITAL ONE $1,267.00
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Reported: Mar. 26, 2024 In good standing

-

Overview

You're currently using 63% of your account's limit.

Balance Credit limit

$1267 $2000

Monthly payment $46

Opened Oct. 29, 2023 (5 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024

2023

Current Late Unknown

Last payment Mar. 15, 2024

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

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Account Details

Account status Open

Type Credit Card

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
CAPITAL ONE
PO BOX 31293
SALT LAKE CITY, UT 84131

(800) 955-7070

MEIJER INC./CBNA $1,799.00 -

Reported: Mar. 28, 2024 Closed

Overview
You're currently using 155% of your account's limit.

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Balance Credit limit

$1799 $1160

Monthly payment $0

Opened Sep. 24, 2016 (7 yrs, 6 mos)

Payment History

Last payment Aug. 09, 2019

Current Payment Status In Collections/Charge-off

Amount past due $1799

Worst Payment Status No Info

Account Details

Account status Derogatory

Type Charge account

Responsibility Individual

Remarks Charged off as bad debt

Canceled by credit grantor

Times 30/60/90 days late 0/0/0

Closed Feb. 26, 2020

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Creditor Information
MEIJER INC./CBNA
PO BOX 6497
SIOUX FALLS, SD 57117

(877) 816-9401

COMENITY BANK/TORRID $0.00 -

Reported: Aug. 01, 2020 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $300

Monthly payment $0

Opened Oct. 20, 2018 (5 yrs, 5 mos)

Payment History

Last payment Mar. 14, 2020

Current Payment Status In Collections/Charge-off

Amount past due $0

Worst Payment Status No Info

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Account Details

Account status Derogatory

Type Charge account

Responsibility Individual

Remarks Charged off as bad debt

Purchased by another lender

Times 30/60/90 days late 0/0/0

Closed Jun. 01, 2020

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Creditor Information
COMENITY BANK/TORRID
PO BOX 182789
COLUMBUS, OH 43218

JPMCB CARD SERVICES $0.00 -

Reported: Feb. 06, 2022 Closed

Overview
You're currently using 0% of your account's limit.

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Balance Credit limit

$0 $2000

Monthly payment $0

Opened Feb. 07, 2017 (7 yrs, 2 mos)

Payment History

Last payment Jan. 07, 2022

Current Payment Status In Collections/Charge-off

Amount past due $0

Worst Payment Status No Info

Account Details

Account status Paid

Type Flexible spending credit card

Responsibility Individual

Remarks Payment after charge off/collection

Settled - less than full balance

Times 30/60/90 days late 0/0/0

Closed Jul. 05, 2019

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Creditor Information
JPMCB CARD SERVICES
PO BOX 15369
WILMINGTON, DE 19850

(800) 945-2000

THE HOME DEPOT/CBNA $0.00 -

Reported: Jan. 22, 2022 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $1000

Monthly payment $0

Opened Jan. 12, 2017 (7 yrs, 3 mos)

Payment History

Last payment Dec. 15, 2021

Current Payment Status In Collections/Charge-off

Amount past due $0

Worst Payment Status No Info

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Account Details

Account status Paid

Type Charge account

Responsibility Individual

Remarks Payment after charge off/collection

Settled - less than full balance

Times 30/60/90 days late 0/0/0

Closed Sep. 20, 2019

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Creditor Information
THE HOME DEPOT/CBNA
PO BOX 6497
SIOUX FALLS, SD 57117

SYNCB/CARE CREDIT $0.00 -

Reported: Jan. 29, 2020 Closed

Overview
You're currently using 0% of your account's limit.
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Balance Credit limit

$0 $250

Monthly payment $0

Opened May 13, 2018 (5 yrs, 11 mos)

Payment History

You’ve made 85% of payments for this account on time.

J F M A M J J A S O N D
2019

2018

Current Late Unknown

Last payment May 31, 2019

Current Payment Status Current

Amount past due $0

Worst Payment Status 90-119 Days Late

Account Details

Account status Paid

Type Charge account

Responsibility Individual

Remarks Canceled by credit grantor

Times 30/60/90 days late 1/1/1

Closed Apr. 28, 2019

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Creditor Information
SYNCB/CARE CREDIT
PO BOX 71757
PHILADELPHIA, PA 19176

(866) 396-8254

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OTHER LOANS

USAA FED SVG BK - SAN AN $9,632.00 -

Reported: Mar. 31, 2024 Closed

Overview
You have 56% left to pay on this loan.

Balance Highest Balance

$9632 $17330

Monthly payment $0

Opened May 31, 2016 (7 yrs, 10 mos)

Term 120 months

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Payment History

Last payment Sep. 30, 2022

Current Payment Status In Collections/Charge-off

Worst Payment Status No Info

Account Details

Account status Derogatory

Type Secured loan

Responsibility Joint

Remarks Charged off as bad debt

Profit and loss write-off

Times 30/60/90 days late 0/0/0

Closed Aug. 31, 2021

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Creditor Information
USAA FED SVG BK - SAN AN
POB 47504
SAN ANTONIO, TX 78265

(210) 498-2265

USAA FED SVG BK - SAN AN $0.00 -

Reported: Apr. 18, 2018 Closed

Overview
You have 0% left to pay on this loan.

Balance Highest Balance

$0 $11000

Monthly payment $0

Opened Aug. 04, 2016 (7 yrs, 8 mos)

Term 60 months

Payment History
Today
You’ve made 100% Credit Cards on time.
of payments for this account Loans Money

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J F M A M J J A S O N D
2018
2017

2016

Current Late Unknown

Last payment Apr. 18, 2018

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Closed

Type Unsecured loan

Responsibility Joint

Remarks Closed

Times 30/60/90 days late 0/0/0

Closed Apr. 18, 2018

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Creditor Information
USAA FED SVG BK - SAN AN
POB 47504
SAN ANTONIO, TX 78265

(210) 498-2265

STUDENT LOANS

DEPT OF ED / NELNET $3,968.00 -

Reported: Mar. 31, 2024 In good standing

Overview
You have 100% left to pay on this student loan.

Balance Highest Balance

$3968 $3500

Monthly payment $14

Opened Sep. 19, 2014 (9 yrs, 6 mos)

Term 300 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024
2023
2022

Current Late Unknown

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Last payment Aug. 23, 2023

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $3,146.00 -

Reported: Mar. 31, 2024 Credit In good standing
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Overview
You have 100% left to pay on this student loan.

Balance Highest Balance

$3146 $2500

Monthly payment $10

Opened May 29, 2014 (9 yrs, 10 mos)

Term 300 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024

2023
2022

Current Late Unknown

Last payment Aug. 23, 2023

Current Payment Status Current

Worst Payment Status Current

Today Credit Cards Loans Money

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Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $4,484.00 -

Reported: Mar. 31, 2024 In good standing

Overview
You have 100% left to pay on this student loan.

Today Credit Cards Loans Money

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Balance Highest Balance

$4484 $3500

Monthly payment $14

Opened Sep. 20, 2013 (10 yrs, 6 mos)

Term 300 months

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Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024

2023

2022

Current Late Unknown

Last payment Aug. 23, 2023

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $3,962.00 -

Reported: Mar. 31, 2024 In good standing

Overview
You have 100% left to pay on this student loan.

Balance Highest Balance

$3962 $3500

Monthly payment $12

Opened Sep. 20, 2013 (10 yrs, 6 mos)

Term 300 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024

2023
2022

Current Late Unknown

Last payment Aug. 23, 2023

Current Payment Status Current

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Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $4,014.00 -

Reported: Mar. 31, 2024 In good standing

Overview
Today Credit Cards Loans Money

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You have 100% left to pay on this student loan.

Balance Highest Balance

$4014 $3500

Monthly payment $12

Opened Feb. 02, 2012 (12 yrs, 2 mos)

Term 300 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024

2023

2022

Current Late Unknown

Last payment Aug. 23, 2023

Current Payment Status Current

Worst Payment Status Current

Today Credit Cards Loans Money

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4/17/24, 6:28 PM Your Credit Health | Credit Karma

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $11,158.00 -

Reported: Mar. 31, 2024 In good standing

Overview
You have 100% left to pay on this student loan.

Today Credit Cards Loans Money

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Balance Highest Balance

$11158 $6000

Monthly payment $51

Opened Aug. 19, 2010 (13 yrs, 7 mos)

Term 300 months

Today Credit Cards Loans Money

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Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024

2023

2022

Current Late Unknown

Last payment Aug. 23, 2023

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

See an error?
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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $4,349.00 -

Reported: Mar. 31, 2024 In good standing

Overview
You have 100% left to pay on this student loan.

Balance Highest Balance

$4349 $3500

Monthly payment $15

Opened Aug. 19, 2010 (13 yrs, 7 mos)

Term 300 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024

2023

2022

Current Late Unknown

Last payment Aug. 23, 2023

Current Payment Status Current

Today Credit Cards Loans Money

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Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $2,266.00 -

Reported: Mar. 31, 2024 In good standing

Overview
Today Credit Cards Loans Money

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4/17/24, 6:28 PM Your Credit Health | Credit Karma

You have 100% left to pay on this student loan.

Balance Highest Balance

$2266 $1750

Monthly payment $19

Opened Oct. 01, 2009 (14 yrs, 6 mos)

Term 120 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024
2023

2022

Current Late Unknown

Last payment Aug. 23, 2023

Current Payment Status Current

Worst Payment Status Current

Today Credit Cards Loans Money

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4/17/24, 6:28 PM Your Credit Health | Credit Karma

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $3,250.00 -

Reported: Mar. 31, 2024 In good standing

Overview
You have 100% left to pay on this student loan.

Today Credit Cards Loans Money

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Balance Highest Balance

$3250 $1750

Monthly payment $29

Opened Oct. 01, 2009 (14 yrs, 6 mos)

Term 120 months

Today Credit Cards Loans Money

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Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024

2023
2022

Current Late Unknown

Last payment Aug. 23, 2023

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

See an error?
SEE AN ERROR?
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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $7,077.00 -

Reported: Mar. 31, 2024 In good standing

Overview
You have 100% left to pay on this student loan.

Balance Highest Balance

$7077 $5500

Monthly payment $25

Opened Sep. 19, 2014 (9 yrs, 6 mos)

Term 300 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024
2023

2022

Current Late Unknown

Last payment Aug. 23, 2023

Current Payment Status Current

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Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

US DEPT OF EDUCATION/GLE $0.00 -

Reported: Jul. 31, 2022 Closed

Overview
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You have 0% left to pay on this student loan.

Balance Highest Balance

$0 $3500

Monthly payment $0

Opened Oct. 01, 2009 (14 yrs, 6 mos)

Term No Info

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2022

2021
2020

2019

Current Late Unknown

Last payment Jun. 01, 2022

Current Payment Status Current

Worst Payment Status Current

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Account Details

Account status Transferred

Type Educational

Responsibility Individual

Remarks Account closed due to transfer

Times 30/60/90 days late 0/0/0

Closed Jul. 31, 2022

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Creditor Information
US DEPT OF EDUCATION/GLE
2401 INTERNATIONAL LANE POB 7859
MADISON, WI 53704

(800) 236-4300

US DEPT. OF EDUCATION/GL $0.00 -

Reported: Jul. 31, 2022 Closed

Overview
You have 0% left to pay on this student loan.
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Balance Highest Balance

$0 $31500

Monthly payment $0

Opened Aug. 19, 2010 (13 yrs, 7 mos)

Term No Info

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Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2022

2021

2020
2019

Current Late Unknown

Last payment Jun. 01, 2022

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Transferred

Type Educational

Responsibility Individual

Remarks Account closed due to transfer

Times 30/60/90 days late 0/0/0

Closed Jul. 31, 2022

See an error?
DIRECT DISPUTE™
If there's an error on your report, you can submit a dispute without leaving Credit
Karma.

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DISPUTE AN ERROR

Creditor Information
US DEPT. OF EDUCATION/GL
2401 INTERNATIONAL LANE POB 7859
MADISON, WI 53704

(800) 236-4300

Hide closed (2)

Hard Inquiries
When you apply for a new credit account, a hard inquiry will usually get added to your report, which
can make a small dent in your score. Here are the inquiries on your TransUnion report.

CREDIT ONE BANK Bank -

Inquiry: Mar. 10, 2024 (702) 269-1000

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Institution Information
CREDIT ONE BANK
6801 S. CIMARRON R
LAS VEGAS, NV
89113
(702) 269-1000

SYNCB/AMAZON Bank -
Inquiry: Dec. 29, 2023 (855) 597-4891
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See an error?
Find out how to dispute a hard inquiry

Institution Information
SYNCB/AMAZON
PO BOX 71736
PHILADELPHIA, PA
19176
(855) 597-4891

CAPITAL ONE Bank -

Inquiry: Oct. 29, 2023 (800) 955-7070

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Institution Information
CAPITAL ONE
15000 CAPITAL ONE
RICHMOND, VA
23238
(800) 955-7070

ONEMAIN FINANCIAL Finance/Personal -

Inquiry: Jun. 20, 2023 (844) 298-9773

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Institution Information
ONEMAIN FINANCIAL
P.O. BOX 3327
EVANSVILLE, IN
47706
(844) 298-9773

JPMCB CARD SERVICES Bank -

Inquiry: Jun. 06, 2023 (800) 453-9719

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Institution Information
JPMCB CARD SERVICES
PO BOX 15077
WILMINGTON, DE
19850
(800) 453-9719

TBOM/MILESTONE Bank -
Inquiry: Feb. 08, 2023 (800) 305-0330

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Find out how to dispute a hard inquiry

Institution Information
TBOM/MILESTONE
15220 NW GREENBRIE SUITE 200
BEAVERTON, OR
97006
(800) 305-0330

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FIRST PREMIER BANK Bank -

Inquiry: Dec. 19, 2022 (605) 357-3440

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Institution Information
FIRST PREMIER BANK
3820 N LOUISE AVE
SIOUX FALLS, SD
57104
(605) 357-3440

CAPITAL ONE Bank -

Inquiry: Oct. 25, 2022 (800) 955-7070

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Find out how to dispute a hard inquiry

Institution Information
CAPITAL ONE
15000 CAPITAL ONE
RICHMOND, VA
23238
(800) 955-7070

CAPITAL ONE Bank -

Inquiry: Sep. 11, 2022 (800) 955-7070

See an error?
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Institution Information
CAPITAL ONE
15000 CAPITAL ONE
RICHMOND, VA
23238
(800) 955-7070

FEB/DESTINY Bank -
Inquiry: Aug. 25, 2022 (503) 222-9960

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Institution Information
FEB/DESTINY
15220 NW GREENBRIE SUITE 200
BEAVERTON, OR
97006
(503) 222-9960

Collections
If you've fallen behind on payments, your account could be sent to a collections agency. This can
have a big impact on your credit score.

MIDLAND CREDIT MANAGEMEN $400.00 -

Reported: Apr. 06, 2024 Needs Attention

Overview
You have 100% left to pay on this collection.

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Balance Highest Balance

$400 $400

Opened Oct. 25, 2021 (2 yrs, 5 mos)

Account status Open

Type Derogatory

Responsibility Individual

Remarks Placed for collection

Original Creditor Name 01 CAPITAL ONE BANK USA N A

Closed No Info

See an error?
SEE AN ERROR?
If there's an error on your report, you can submit a dispute.

DISPUTE AT TRANSUNION

Creditor Information
MIDLAND CREDIT MANAGEMEN
320 EAST BIG BEAVER SUITE 300
TROY, MI 48083

(877) 822-0381

Public Records
Things like bankruptcies and legal judgments against you can show up on your credit report and do
some damage to your score.
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Lookin' good! As of Apr. 17, 2024, you have no public records on your report.

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