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Apr 01, 2024

YOSAIF Y RUTMAN
806
Calculated using VantageScore 3.0
Provided by TransUnion

Personal Information
NAMES REPORTED

YOSAIF Y RUTMAN
JOSSI RUTMAN
YOSSI RUTMAN

EMPLOYMENT INFO

SELF EMPLOYED

ZION REMODELLING

ADDRESSES REPORTED

7670 LAGO DEL MAR DR 304

BOCA RATON, FL
33433

7690 LAGO DEL MAR DR 405

BOCA RATON, FL
33433

7730 LAGO DEL MAR DR 604

BOCA RATON, FL
33433

Accounts
Here's every account on your TransUnion report. Click on the account name for more details.

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AUTO LOANS

SPACECOAST CU $0.00 -
Reported: Jan. 11, 2022 Closed

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

Balance Highest Balance

$0 $21092

Monthly payment $0

Opened Feb. 24, 2020 (4 yrs, 1 mo)

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
2021

2020

Current Late Unknown

Last payment Jan. 11, 2022

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Closed

Type Auto Loan

Responsibility Individual

Remarks Closed

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

Closed Jan. 11, 2022

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 Creditor Information
SPACECOAST CU
8045 N WICKHAM RD
MELBOURNE, FL 32940

(407) 724-5730

AMERICAN HONDA FINANCE $0.00 -

Reported: Jul. 12, 2019 Closed

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

Balance Highest Balance

$0 $11999

Monthly payment $0

Opened Aug. 05, 2015 (8 yrs, 7 mos)

Term 48 months

Payment History

You’ve made 96% of payments for this account on time.

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

2018

2017

2016

Current Late Unknown

Last payment Jul. 12, 2019

Current Payment Status Current

Worst Payment Status 30-59 Days Late

Today Credit Cards Loans Money

 Account Details

Account status Closed

Type Auto Lease

Responsibility Joint

Remarks Dispute resolved; reported by grantor

Times 30/60/90 days late 2/0/0

Closed Jul. 12, 2019

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Creditor Information
AMERICAN HONDA FINANCE
PO BOX 168128
IRVING, TX 75016

(800) 543-5636

PENTAGON FEDERAL CREDIT $0.00 -

Reported: May 08, 2017 Closed

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

Balance Highest Balance

$0 $20898

Monthly payment $0

Opened Jan. 13, 2015 (9 yrs, 2 mos)

Term 72 months

Payment History
Today Credit for this account on time.
You’ve made 100% of payments Cards Loans Money
 J F M A M J J A S O N D
2017

2016

2015

Current Late Unknown

Last payment May 08, 2017

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Closed

Type Auto Loan

Responsibility Individual

Remarks Closed

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

Closed May 08, 2017

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Creditor Information
PENTAGON FEDERAL CREDIT
1001 N. FAIRFAX
ALEXANDRIA, VA 22314

(703) 838-1000

UP2DRIVE $0.00 -
Reported: Jan. 29, 2015 Closed

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

Balance Highest Balance

$0
Today Credit Cards Loans $25700
Money
Monthly payment $0

Opened Oct. 10, 2013 (10 yrs, 5 mos)

Term 72 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
2014

2013

Current Late Unknown

Last payment Jan. 28, 2015

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Closed

Type Auto Loan

Responsibility Individual

Remarks Closed

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

Closed Jan. 29, 2015

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Creditor Information
UP2DRIVE
PO BOX 3608
DUBLIN, OH 43016

(877) 982-3748

Today Credit Cards Loans Money

CREDIT CARDS

JPMCB CARD SERVICES $0.00 -

Reported: Mar. 15, 2024 In good standing

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

Balance Credit limit

$0 $13000

Monthly payment $0

Opened Sep. 02, 2015 (8 yrs, 7 mos)

Today Credit Cards Loans Money

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
2021

Current Late Unknown

Last payment Apr. 14, 2020

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
JPMCB CARD SERVICES
PO BOX 15369
WILMINGTON, DE 19850

(800) 945-2000

Today Credit Cards Loans Money

BARCLAYS BANK DELAWARE $0.00 -
Reported: Mar. 17, 2024 Closed

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

Balance Credit limit

$0 $7000

Monthly payment $0

Opened Dec. 01, 2022 (1 yr, 4 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

Last payment Mar. 05, 2024

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Paid

Type Flexible spending credit card

Responsibility Individual

Remarks Account closed by consumer

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

Closed Mar. 12, 2024

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If there's an error on your report, Cards Loans Money
 DISPUTE AT TRANSUNION

Creditor Information
BARCLAYS BANK DELAWARE
P.O. BOX 8803
WILMINGTON, DE 19899

(888) 232-0780

JPMCB CARD SERVICES $0.00 -

Reported: Apr. 16, 2023 Closed

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

Balance Credit limit

$0 $500

Monthly payment $0

Opened Jan. 02, 2015 (9 yrs, 3 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
2023
2022

2021
2020

Current Late Unknown

Last payment Mar. 15, 2022

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Today Credit Cards Loans Money

 Account Details

Account status Paid

Type Flexible spending credit card

Responsibility Individual

Remarks Canceled by credit grantor

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

Closed Apr. 16, 2023

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DIRECT DISPUTE™
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DISPUTE AN ERROR

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

(800) 945-2000

DISCOVER BANK $0.00 -

Reported: Mar. 16, 2023 Closed

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

Balance Credit limit

$0 $6000

Monthly payment $0

Opened May 04, 2017 (6 yrs, 10 mos)

Payment History

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

Today J F M
Credit A M J
Cards J A S
Loans O N D
Money
 J F M A M J J A S O N D
2023

2022

2021

2020

Current Late Unknown

Last payment Jan. 15, 2021

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Paid

Type Credit Card

Responsibility Individual

Remarks Closed

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

Closed Feb. 23, 2023

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Creditor Information
DISCOVER BANK
PO BOX 30939
SALT LAKE CITY, UT 84130

(800) 347-2683

BARCLAYS BANK DELAWARE $0.00 -

Reported: May 16, 2021 Closed

Today Credit Cards Loans Money

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

Balance Credit limit

$0 $7500

Monthly payment $0

Opened Dec. 16, 2014 (9 yrs, 3 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
2021

2020

2019

2018

Current Late Unknown

Last payment Aug. 21, 2019

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Paid

Type Flexible spending credit card

Responsibility Individual

Remarks Inactive account

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

Closed May 14, 2021

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

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Creditor Information
BARCLAYS BANK DELAWARE
P.O. BOX 8803
WILMINGTON, DE 19899

(888) 232-0780

MACYS/CITIBANK, N.A. $0.00 -

Reported: Dec. 14, 2019 Closed

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

Balance Credit limit

$0 $600

Monthly payment $0

Opened Jan. 26, 2017 (7 yrs, 2 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
2019

2018

2017

Current Late Unknown

Last payment Feb. 26, 2017

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Today Credit Cards Loans Money

 Account Details

Account status Paid

Type Charge account

Responsibility Individual

Remarks Canceled by credit grantor

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

Closed Sep. 13, 2019

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Creditor Information
MACYS/CITIBANK, N.A.
PO BOX 6789
SIOUX FALLS, SD 57117

CITICARDS CBNA $0.00 -

Reported: Nov. 19, 2019 Closed

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

Balance Credit limit

$0 $2000

Monthly payment $0

Opened Jan. 02, 2018 (6 yrs, 2 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
Current
Today Late Unknown
Credit Cards Loans Money
 J F M A M J J A S O N D
2019
2018

Current Late Unknown

Last payment No Info

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Closed

Type Credit Card

Responsibility Individual

Remarks Account closed by consumer

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

Closed Aug. 14, 2019

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Creditor Information
CITICARDS CBNA
PO BOX 6217
SIOUX FALLS, SD 57117

JPMCB CARD SERVICES $0.00 -

Reported: Jan. 15, 2019 Closed

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

Balance Credit limit

$0 $1000
Today Credit Cards Loans Money
Monthly payment $0

Opened Feb. 15, 2015 (9 yrs, 1 mo)

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 Jul. 11, 2018

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Paid

Type Flexible spending credit card

Responsibility Individual

Remarks Account closed by consumer

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

Closed Jan. 06, 2019

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 See an error?
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Creditor Information
JPMCB CARD SERVICES
PO BOX 15369
WILMINGTON, DE 19850

(800) 945-2000

Hide closed (7)

OTHER LOANS

LIGHTSTREAM $0.00 -
Reported: Aug. 13, 2020 Closed

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

Balance Highest Balance

$0 $16056

Monthly payment $0

Opened Jan. 09, 2019 (5 yrs, 2 mos)

Term 48 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
2020
2019

Current Late Unknown

Last payment Aug. 13, 2020

Current Payment Status Current

Worst Payment Status

Today Credit Cards Loans Current
Money
 Account Details

Account status Closed

Type Unsecured loan

Responsibility Individual

Remarks Closed

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

Closed Aug. 13, 2020

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DISPUTE AN ERROR

Creditor Information
LIGHTSTREAM
PO BOX 849
WILSON, NC 27894

(866) 635-1330

CITIBANK NA $0.00 -
Reported: Dec. 14, 2016 Closed

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

Balance Highest Balance

$0 $10035

Monthly payment $0

Opened May 12, 2016 (7 yrs, 10 mos)

Term 60 months

Payment History
Today Credit for this account on time.
You’ve made 100% of payments Cards Loans Money
 J F M A M J J A S O N D
2016

Current Late Unknown

Last payment Nov. 14, 2016

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Closed

Type Unsecured loan

Responsibility Individual

Remarks Closed

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

Closed Dec. 14, 2016

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DIRECT DISPUTE™
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Creditor Information
CITIBANK NA
PO BOX 6181
SIOUX FALLS, SD 57117

(800) 685-0935

REAL ESTATE LOANS

UNITED WHOLESALE MTG $207,500.00 -

Reported: Mar. 05, 2024 In good standing

Overview
You have 93% left to pay on this real estate loan.

Balance Highest Balance

$207500 $222600
Today Credit Cards Loans Money
Monthly payment $925

Opened Apr. 12, 2021 (2 yrs, 11 mos)

Term 360 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

2021

Current Late Unknown

Last payment Mar. 04, 2024

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Open

Type Conventional real estate mortgage

Responsibility Individual

Remarks No Info

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

Closed No Info

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SEE AN ERROR?
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 Creditor Information
UNITED WHOLESALE MTG
PO BOX 77404
EWING, NJ 08628

(855) 753-6201

CALIBER HOME LOANS $0.00 -

Reported: Apr. 16, 2021 Closed

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

Balance Highest Balance

$0 $139900

Monthly payment $0

Opened Nov. 04, 2016 (7 yrs, 4 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
2021
2020

2019
2018

Current Late Unknown

Last payment Apr. 16, 2021

Current Payment Status Current

Worst Payment Status Current

Today Credit Cards Loans Money

 Account Details

Account status Closed

Type Conventional real estate mortgage

Responsibility Individual

Remarks Closed

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

Closed Apr. 16, 2021

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Creditor Information
CALIBER HOME LOANS
715 S METROPOLITAN AVE
OKLAHOMA CITY, OK 73108

(800) 401-6587

Hide closed (1)

OTHER ACCOUNTS

CITIBANK NA $0.00
Reported: Feb. 29, 2024 In good standing

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

Balance
$0

Monthly payment $0

Opened Mar. 01, 2010 (14 yrs, 1 mo)

Today Credit Cards Loans Money

 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

2021

Current Late Unknown

Last payment Nov. 02, 2023

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Open

Type Line of credit

Responsibility Individual

Remarks No Info

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

Closed No Info

See an error?
DIRECT DISPUTE™
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Creditor Information
CITIBANK NA
PO BOX 6181
SIOUX FALLS, SD 57117

(800) 685-0935

Hard Inquiries
Today Credit Cards Loans Money
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.

JPMCB CARD SERVICES Bank -

Inquiry: Mar. 19, 2023 (800) 453-9719

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Find out how to dispute a hard inquiry

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

BARCLAYS BANK DELAWARE Bank -

Inquiry: Nov. 30, 2022 (866) 370-5931

See an error?
Find out how to dispute a hard inquiry

Institution Information
BARCLAYS BANK DELAWARE
PO BOX 8803
WILMINGTON, DE
19899
(866) 370-5931

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.

Clean slate! As of Apr. 01, 2024, you have no collection accounts on your credit report.

Public Records
Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your
score.

Lookin' good! As of Apr. 01, 2024, you have no public records on your report.

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