Three Bureau Credit Report

Reference # M54578077 Report Date: 05/08/2024

Personal Information

Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses,
employment information and other details.

TransUnion Experian Equifax

Credit Report Date: 05/08/2024 05/08/2024 05/08/2024

Name: AARON P BRADLEY AARON P BRADLEY AARON P BRADLEY
Also Known As: - - -
Former: - - -
Date of Birth: 1965 1965 1965
112 CHERRY BLOSSOM DR 112 CHERRY BLOSSOM DR 112 CHERRY BLOSSOM DR
SAN JOSE, CA SAN JOSE, CA SAN JOSE, CA
Current Address(es):
95123 95123-2110 95123
11/2005 06/2023 05/2024
391 SOBRATO DR
CAMPBELL, CA
391 SOBRATO DR 95008
215 W 1030 N
CAMPBELL, CA 05/2023
OREM, UT
95008-3918 113 CHERRY BLOSSOM DR
84057
03/2023 SAN JOSE, CA
Previous Address(es): 09/1997
375 CURTNER AVE 95123
391 SOBRATO DR
CAMPBELL, CA 03/2011
CAMPBELL, CA
95008-5603 12 CHERRY BLOSSOM DR
95008
08/1995 SAN JOSE, CA
95123
03/2011
AARON BRADLEY PAINTI
Employers: - AARON BRADLEY PAINTING BRADLEY PAINTING
SELF EMPLOYED

FICO® Score

Your Credit Score is a representation of your overall credit health. Most lenders utilize some form of credit scoring to help determine your credit
worthiness.

TransUnion Experian Equifax

FICO® Score 8: 793 790 803

Lender Rank: Very Good Very Good Exceptional
FICO® Score 8 Scale: 300-850 300-850 300-850

Score Factors

TransUnion: FICO® Score 8: [-] [+]

Short revolving history.
You have not established a long revolving credit history.
People with longer credit histories who do not frequently open new accounts generally pose less risk to lenders. In your case,
the age of your oldest revolving account and/or the average age of your revolving accounts is relatively low.
Accounts with balances.
You have too many credit accounts with balances.
The FICO® Score considers the number of accounts on a credit report showing a balance. Generally speaking, carrying
fewer accounts with balances is considered less risky. For credit cards , your credit report may still show a balance on those
cards – even if they are paid off in full each month. The total balance on the last statement is generally the amount that is
shown on a credit report.
 High credit usage.
You've made heavy use of your available revolving credit.
The FICO® Score evaluates balances in relation to available credit on revolving accounts. The extent of a person’s credit
usage is one of the most important factors considered by a FICO® Score. Your FICO® Score was lowered due to higher
credit utilization. Note, consolidating or moving debt from oneaccount to another will usually not change the total amount
owed.
-
FICO® Score 8: [-] [+]
Short account history.
You have a short credit history.
People with longer credit histories who do not frequently open new accounts generally pose less risk to lenders. In your case,
the age of your oldest account and/or the average age of your accounts is relatively low.
Few accounts paid on time.
You have few accounts that are in good standing.
The FICO® Score considers the number of accounts showing on time payments. In your case this number is too low, either
Experian: because you have very few accounts or because you've missed payments recently on some of your accounts or have accounts
with derogatory indicators reported. While being considered by the score, typically, the presence of inquiries on a credit file
carries much less importance than late payments, the amount owed and the length of time credit has been established.
High credit usage.
You've made heavy use of your available revolving credit.
The FICO® Score evaluates balances in relation to available credit on revolving accounts. The extent of a person’s credit
usage is one of the most important factors considered by a FICO® Score. Your FICO® Score was lowered due to higher
credit utilization. Note, consolidating or moving debt from oneaccount to another will usually not change the total amount
owed.
-
FICO® Score 8: [-] [+]
Short account history.
You have a short credit history.
People with longer credit histories who do not frequently open new accounts generally pose less risk to lenders. In your case,
the age of your oldest account and/or the average age of your accounts is relatively low.
Accounts with balances.
You have too many credit accounts with balances.
The FICO® Score considers the number of accounts on a credit report showing a balance. Generally speaking, carrying
fewer accounts with balances is considered less risky. For credit cards , your credit report may still show a balance on those
cards – even if they are paid off in full each month. The total balance on the last statement is generally the amount that is
shown on a credit report.
Few accounts paid on time.
Equifax:
You have few accounts that are in good standing.
The FICO® Score considers the number of accounts showing on time payments. In your case this number is too low, either
because you have very few accounts or because you've missed payments recently on some of your accounts or have accounts
with derogatory indicators reported. While being considered by the score, typically, the presence of inquiries on a credit file
carries much less importance than late payments, the amount owed and the length of time credit has been established.
High credit usage.
You've made heavy use of your available revolving credit.
The FICO® Score evaluates balances in relation to available credit on revolving accounts. The extent of a person’s credit
usage is one of the most important factors considered by a FICO® Score. Your FICO® Score was lowered due to higher
credit utilization. Note, consolidating or moving debt from oneaccount to another will usually not change the total amount
owed.
-

The score(s) on your MyScoreIQ credit report (using the FICO® Score model) are provided as a tool to help you understand how lenders may view the data contained in
your credit reports and evaluate your credit risk. We provide these scores solely for educational purposes. MyScoreIQ does not offer credit; delivery of these scores does
not qualify you for any loan. The scoring model your lender uses may be different than the FICO® Score. As a result, the score and score factors we have delivered may
show differences when compared to the score and score factors produced by your lender's scoring model. Please also understand that lenders use multiple sources of
information when underwriting a loan and making lending decisions. Credit scores are just one factor that may be used and each lender will have different criteria they
consider.

MyScoreIQ provides informational materials along with your credit report(s) and score(s) these materials are educational in nature and intended to broaden your
understanding of how credit scoring works. They should not be construed as advice in handling your financial problems or making financial decisions. If you are having
trouble keeping up with your bill payments or experiencing other financial difficulties, please contact a non-profit credit counseling service for assistance. These
materials are for educational purposes only.
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: 6 11 12
Open Accounts: 3 3 3
Closed Accounts: 3 8 9
Delinquent: - - -
Derogatory: - - -
Collection: - - -
Balances: $202,827.00 $203,698.00 $202,596.00
Payments: $2,121.00 $2,121.00 $2,114.00
Public Records: - - -
Inquiries(2 years): 1 - -

Account History

Information on accounts you have opened in the past is displayed below.

US BANK HOME MORTGAGE

TransUnion Experian Equifax

Account #: 515220XXXXXXX 515220XXXXXXX 515220XXXXXXX

Account Type: Mortgage account REAL ESTATE Mortgage
Account Type - Detail: Mortgage account Mortgage Mortgage
Bureau Code: Joint account Joint Account Joint Account
Account Status: Open Open Open
Monthly Payment: $2,054.00 $2,054.00 $2,054.00
Date Opened: 03/11/2013 03/11/2013 03/11/2013
Balance: $192,845.00 $193,716.00 $192,845.00
No. of Months (terms): Monthly 360 Months Monthly (due every month)
High Credit: $320,000.00 $320,000.00 $320,000.00
Credit Limit: $0.00 - -
Past Due: - - -
Payment Status: Paid or paying as agreed Current Pays account as agreed
Last Reported: 05/05/2024 04/05/2024 05/05/2024
FREDDIE MAC ACCOUNT
Comments: - -
FIXED RATE
Date Last Active: 05/05/2024 04/01/2024 05/05/2024
Date of Last Payment: - - -

Two-Year payment history

Month Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May
Year 24 24 24 24 23 23 23 23 23 23 23 23 23 23 23 23 22 22 22 22 22 22 22 22
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
US BANK

TransUnion Experian Equifax

Account #: 403784XXXXXX 403784XXXXXXXXXX 403784XXXXXX

Account Type: Revolving account REVOLVING Revolving
Account Type - Detail: Revolving account Credit Card Revolving
Bureau Code: Individual account Individual Individual Account
Account Status: Open Open Open
Monthly Payment: $67.00 $67.00 $60.00
Date Opened: 10/31/2022 10/31/2022 10/31/2022
Balance: $9,982.00 $9,982.00 $9,751.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: $10,870.00 $10,870.00 $10,870.00
Credit Limit: $22,000.00 $22,000.00 $22,000.00
Past Due: - - -
Payment Status: Paid or paying as agreed Current Pays account as agreed
Last Reported: 04/30/2024 04/30/2024 03/29/2024
Comments: - - -
Date Last Active: 04/30/2024 04/01/2024 03/29/2024
Date of Last Payment: - - -

Two-Year payment history

Month Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May
Year 24 24 24 24 23 23 23 23 23 23 23 23 23 23 23 23 22 22 22 22 22 22 22 22
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

BANK OF AMERICA

TransUnion Experian Equifax

Account #: - XXXX 431307XXXXXXXXXX

Account Type: - REVOLVING Revolving
Account Type - Detail: - Credit Card Revolving
Bureau Code: - Authorized User Authorized User
Account Status: - Closed Closed
Monthly Payment: - - -
Date Opened: - 08/09/2011 08/09/2011
Balance: - $0.00 $0.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: - $2,211.00 $2,211.00
Credit Limit: - $5,000.00 $5,000.00
Past Due: - - -
Payment Status: - Current Pays account as agreed
Last Reported: - 02/12/2015 02/12/2015
ACCOUNT CLOSED BY CREDIT
Comments: -
GRANTOR
Date Last Active: - 02/01/2015 02/12/2015
Date of Last Payment: - - -

Two-Year payment history

Month Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar
Year 15 15 14 14 14 14 14 14 14 14 14 14 14 14 13 13 13 13 13 13 13 13 13 13
TransUnion
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
BANK OF AMERICA

TransUnion Experian Equifax

Account #: - XXXX 488893XXXXXXXXXX

Account Type: - REVOLVING Revolving
Account Type - Detail: - Credit Card Revolving
Bureau Code: - Individual Individual Account
Account Status: - Closed Closed
Monthly Payment: - - -
Date Opened: - 02/22/2005 02/22/2005
Balance: - $0.00 $0.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: - $19,404.00 $19,404.00
Credit Limit: - $20,500.00 $20,500.00
Past Due: - - -
Payment Status: - Current Pays account as agreed
Last Reported: - 02/10/2015 02/10/2015
Comments: Account closed at consumer’s request
Date Last Active: - 02/01/2015 02/10/2015
Date of Last Payment: - - -

Two-Year payment history

Month Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar
Year 15 15 14 14 14 14 14 14 14 14 14 14 14 14 13 13 13 13 13 13 13 13 13 13
TransUnion
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

CAPITAL ONE

TransUnion Experian Equifax

Account #: - 517805XXXXXX 517805XXXXXX

Account Type: - REVOLVING Revolving
Account Type - Detail: - Credit Card Revolving
Bureau Code: - Authorized User Authorized User
Account Status: - Closed Closed
Monthly Payment: - - -
Date Opened: - 04/18/2008 04/18/2008
Balance: - - $0.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: - $10,000.00 $10,000.00
Credit Limit: - $10,000.00 $10,000.00
Past Due: - - -
Payment Status: - Paid satisfactorily Pays account as agreed
Last Reported: - 10/16/2019 11/06/2019
ACCOUNT CLOSED BY CREDIT
Comments: -
GRANTOR
Date Last Active: - 10/01/2019 11/06/2019
Date of Last Payment: - - -

Two-Year payment history

Month Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov
Year 19 19 19 19 19 19 19 19 19 19 18 18 18 18 18 18 18 18 18 18 18 18 17 17
TransUnion
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
CAPITAL ONE

TransUnion Experian Equifax

Account #: - 480213XXXXXX 480213XXXXXX

Account Type: - REVOLVING Revolving
Account Type - Detail: - Business Credit Card Revolving
Bureau Code: - Individual Individual Account
Account Status: - Closed Closed
Monthly Payment: - - -
Date Opened: - 01/26/2011 01/26/2011
Balance: - - $0.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: - $3,067.00 $3,067.00
Credit Limit: - $20,000.00 $20,000.00
Past Due: - - -
Payment Status: - Paid satisfactorily Pays account as agreed
Last Reported: - 10/22/2017 10/21/2017
ACCOUNT CLOSED BY CREDIT
Comments: -
GRANTOR
Date Last Active: - 10/01/2017 10/21/2017
Date of Last Payment: - - -

Two-Year payment history

Month Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov
Year 17 17 17 17 17 17 17 17 17 17 16 16 16 16 16 16 16 16 16 16 16 16 15 15
TransUnion
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

DISCOVER BANK

TransUnion Experian Equifax

Account #: - 601100XXXXXX 601100XXXXXX

Account Type: - REVOLVING Revolving
Account Type - Detail: - Credit Card Revolving
Bureau Code: - Authorized User Authorized User
Account Status: - Closed Closed
Monthly Payment: - - -
Date Opened: - 01/07/2007 01/07/2007
Balance: - - $0.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: - $5,647.00 $5,647.00
Credit Limit: - $6,600.00 $6,600.00
Past Due: - - -
Payment Status: - Paid satisfactorily Pays account as agreed
Last Reported: - 12/25/2015 12/25/2015
Comments: - -
Date Last Active: - 12/01/2015 12/25/2015
Date of Last Payment: - - -

Two-Year payment history

Month Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Year 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14 14 14 14 14 14
TransUnion
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
KOHLS/CAPONE

TransUnion Experian Equifax

Account #: 639305XXXXXX 639305XXXXXXXXXX 639305XXXXXXXXXX

Account Type: Revolving account REVOLVING Revolving
Account Type - Detail: Revolving account Charge Card Revolving
Bureau Code: Individual account Individual Individual Account
Account Status: Closed Closed Closed
Monthly Payment: $0.00 - -
Date Opened: 04/06/2011 04/06/2011 04/06/2011
Balance: $0.00 - $0.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: $439.00 $439.00 $439.00
Credit Limit: $1,000.00 $1,000.00 $1,000.00
Past Due: - - -
Payment Status: Paid or paying as agreed Paid satisfactorily Pays account as agreed
Last Reported: 10/25/2020 10/25/2020 10/25/2020
Comments: Inactive account -
Date Last Active: 10/25/2020 10/01/2020 10/25/2020
Date of Last Payment: - - -

Two-Year payment history

Month Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov
Year 20 20 20 20 20 20 20 20 20 20 19 19 19 19 19 19 19 19 19 19 19 19 18 18
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

SYNCB/LOWES

TransUnion Experian Equifax

Account #: 798192XXXXXX 798192XXXXXX 798192XXXXXX

Account Type: Revolving account REVOLVING Revolving
Account Type - Detail: Revolving account Charge Card Revolving
Bureau Code: Authorized account Authorized User Individual Account
Account Status: Closed Closed Closed
Monthly Payment: $0.00 - -
Date Opened: 04/20/2008 04/20/2008 04/20/2008
Balance: $0.00 - $0.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: $2,242.00 $2,242.00 $1,880.00
Credit Limit: $1,500.00 $1,500.00 $224.00
Past Due: - - -
Payment Status: Paid or paying as agreed Paid satisfactorily Pays account as agreed
Last Reported: 12/29/2022 10/30/2022 04/28/2017
Comments: Inactive account - -
Date Last Active: 12/29/2022 10/01/2022 04/28/2017
Date of Last Payment: - - -

Two-Year payment history

Month Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec
Year 22 22 22 22 22 22 22 22 22 22 22 21 21 21 21 21 21 21 21 21 21 21 21 20
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax
THD/CBNA

TransUnion Experian Equifax

Account #: 603532XXXXXX 603532XXXXXXXXXX 603532XXXXXXXXXX

Account Type: Revolving account REVOLVING Revolving
Account Type - Detail: Revolving account Charge Card Revolving
Bureau Code: Individual account Individual Individual Account
Account Status: Closed Closed Closed
Monthly Payment: $0.00 - -
Date Opened: 04/12/2012 04/12/2012 04/12/2012
Balance: $0.00 - $0.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: $0.00 - $0.00
Credit Limit: $1,001.00 $1,001.00 $1,001.00
Past Due: - - -
Payment Status: Paid or paying as agreed Paid satisfactorily Pays account as agreed
Last Reported: 10/18/2016 04/17/2015 10/18/2016
Comments: Inactive account - -
Date Last Active: 10/18/2016 04/01/2015 10/18/2016
Date of Last Payment: - - -

Two-Year payment history

Month Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct
Year 16 16 16 16 16 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

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.

Creditor Name Type of Business Date of inquiry Credit Bureau

US BANK Banks and S&Ls 10/24/2022 TransUnion

Public Information

Below is an overview of your public records and can include details of bankruptcy filings, court records, tax liens and other monetary judgments.
Public records typically remain on your Credit Report for 7 - 10 years.

None Reported

Creditor Contacts
 Information about how to contact people and/or organizations that appear on this credit report is listed below.

Creditor Name Address Phone Number

PO BOX 982238
BANK OF AMERICA (800) 421-2110
EL PASO, TX 79998
PO BOX 31293
CAPITAL ONE (800) 955-7070
SALT LAKE CITY, UT 84131
PO BOX 30939
DISCOVER BANK (800) 347-2683
SALT LAKE CITY, UT 84130
N56 RIDGEWOOD DR
KOHLS/CAPONE (262) 703-7000
MENOMONEE FAL, WI 53051
PO BOX 3115
KOHLS/CAPITAL ONE (800) 564-5740
MILWAUKEE, WI 53201-3115
PO BOX 965005
SYNCB/LOWES (800) 444-1408
ORLANDO, FL 32896
PO BOX 6497
THD/CBNA (800) 950-5114
SIOUX FALLS, SD 57117
4325 17TH AVE S
US BANK (866) 234-4750
FARGO, ND 58125
2800 TAMARACK RD
US BANK HOME MORTGAGE (800) 365-7772
OWENSBORO, KY 42301
PO BOX 21844 DEPARTMENT
US BANK HOME MTG (800) 365-7772
EAGAN, MN 55121