Prepared For

ANITA COMISKY
Personal & confidential

Date generated: Aug 21, 2023

At a glance

FICO® Score 8

786 Experian data Aug 21, 2023


300 850
Very Good

Account summary Overall credit usage Debt summary

Open accounts 5 Credit card and credit line debt $11,418

Self-reported accounts 0 Self-reported account balance $0

Accounts ever late 0 Loan debt $0

Closed accounts 10
21 % Collections debt $0

Collections 0 Total debt $11,418

Average account age 10 yrs 4 mos

Oldest account 23 yrs 8 mos

Credit used: $11,418

Credit limit: $54,450

 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

Personal information

Name Addresses Employers

ANITA COMISKY 95020 STARLING CT AMELIA TOFFEE CO LLC
FERNANDINA, FL 32034-7004
Also known as YIPES COMMUNICATIONS
COMISKY C ANITA 1776 HAMMOCK DR
FERNANDINA BEACH, FL 32034-5609
ANITA CAREY
525 SPANISH WAY W
Generational identifier FERNANDINA BEACH, FL 32034-9246
-

Year of birth
1958

Personal statements

No Statement(s) present at this time

 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

Open accounts

CAPITAL ONE $11,300

Exceptional payment history Balance updated Aug 15, 2023

 Account info

Account name CAPITAL ONE Balance $11,300

Account number 515676XXXXXX Balance updated Aug 15, 2023

Original creditor - Credit limit $15,000

Company sold - Credit usage 75%

Account type Credit card Monthly payment $113

Date opened Jun 17, 2022 Last Payment Date Aug 02, 2023

Open/closed Open Highest balance $13,806

Status Open/Never late. Terms -

Status updated Aug 2023 Responsibility Individual

Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023         — — — —

2022 — — — — — —      

 Current / Terms met — Data Unavailable

 Contact info

Address PO BOX 31293 SALT LAKE CITY,

UT 84131

Phone number (800) 955-7070

 Comments

-
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

CITICARDS CBNA $0

Exceptional payment history Balance updated Jun 19, 2023

 Account info
Account name CITICARDS CBNA Balance $0

Account number 542418XXXXXX Balance updated Jun 19, 2023

Original creditor - Credit limit $11,000

Company sold - Credit usage 0%

Account type Credit card Monthly payment $0

Date opened Oct 07, 2021 Last Payment Date Oct 13, 2022

Open/closed Open Highest balance $10,999

Status Open/Never late. Terms -

Status updated Jun 2023 Responsibility Individual

Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023       — — — — — —

2022            

2021 — — — — — — — — — —  

 Current / Terms met — Data Unavailable

 Contact info

Address PO BOX 6241 SIOUX FALLS,

SD 57117

Phone number (800) 950-5114

 Comments

-
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

COMENITYBANK/TALBOTS $0

Exceptional payment history Balance updated Jul 21, 2023

 Account info
Account name COMENITYBANK/TALBOTS Balance $0

Account number 778830XXXXXXXXXX Balance updated Jul 21, 2023

Original creditor - Credit limit $5,000

Company sold - Credit usage 0%

Account type Charge Card Monthly payment $0

Date opened Apr 23, 2015 Last Payment Date Mar 02, 2023

Open/closed Open Highest balance $637

Status Open/Never late. Terms -

Status updated Jul 2023 Responsibility Individual

Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023
       — — — — —
2022            
2021            

2020            

2019            

2018            

2017            

— — — — — — —     
2016

 Current / Terms met — Data Unavailable

 Contact info
Address PO BOX 182789 COLUMBUS,
OH 43218

Phone number -

 Comments

-
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

JPMCB CARD $118

Exceptional payment history Balance updated Jul 16, 2023

 Account info
Account name JPMCB CARD Balance $118

Account number 438857XXXXXX Balance updated Jul 16, 2023

Original creditor - Credit limit $22,450

Company sold - Credit usage 0%

Account type Credit Card Monthly payment $118

Date opened Jan 10, 2001 Last Payment Date Jul 10, 2023

Open/closed Open Highest balance $15,963

Status Open/Never late. Terms -

Status updated Jul 2023 Responsibility Individual

Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023
       — — — — —
2022            

2021            

2020            

2019            

2018            

2017            

— — — — — — —     
2016

 Current / Terms met — Data Unavailable

 Contact info

Address PO BOX 15369 WILMINGTON,

DE 19850

Phone number (800) 945-2000

 Comments

-
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

PNCBANK $0

Exceptional payment history Balance updated Jul 31, 2023

 Account info
Account name PNCBANK Balance $0

Account number 240350XXXXXXXXXX Balance updated Jul 31, 2023

Original creditor - Credit limit $1,000

Company sold - Credit usage 0%

Account type Line of Credit Monthly payment $0

Date opened Nov 20, 2015 Highest balance $0

Open/closed Open Terms -

Status Open/Never late. Responsibility Joint

Status updated Jul 2023 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023        — — — — —

2022            

2021 — — — — — — — — —   

 Current / Terms met — Data Unavailable

 Contact info
Address 2730 LIBERTY AVE PITTSBURGH,
PA 15222

Phone number (888) 762-2265

 Comments

-
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

Closed accounts

AMEX/CBNA
Closed
Exceptional payment history

 Account info

Account name AMEX/CBNA Balance -

Account number 377481XXXXXXXXX Balance updated -

Original creditor - Credit limit $600

Company sold - Monthly payment -

Account type Credit card Last Payment Date Apr 28, 2014

Date opened Jul 01, 2012 Highest balance $160

Open/closed Closed Terms -

Status Paid, Closed/Never late. Responsibility Individual

Status updated Mar 2018 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2018
  CLS — — — — — — — — —
2017 ND ND ND         
2016           CLS ND

2015         ND  ND ND

2014            

2013            

2012 — — — — — —      

 Current / Terms met ND No data for this period CLS Closed

— Data Unavailable

 Contact info
Address 9111 DUKE BLVD MASON,
OH 45040

Phone number (800) 243-6552

 Comments
Account closed at credit grantor's request
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

BANK OF AMERICA
Closed
Exceptional payment history

 Account info

Account name BANK OF AMERICA Balance -

Account number XXXX Balance updated -

Original creditor - Credit limit $13,000

Company sold - Monthly payment -

Account type Credit card Last Payment Date Aug 03, 2022

Date opened Aug 20, 2019 Highest balance $8,136

Open/closed Closed Terms -

Status Paid, Closed/Never late. Responsibility Individual

Status updated Aug 2022 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2022        CLS — — — —

2021            

2020            

2019 — — — — — — — —    

 Current / Terms met CLS Closed — Data Unavailable

 Contact info
Address PO BOX 982238 EL PASO,
TX 79998

Phone number (800) 421-2110

 Comments
Account closed at consumer's request
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

BARCLAYS BANK DELAWARE

Closed
Exceptional payment history

 Account info

Account name BARCLAYS BANK DELAWARE Balance -

Account number 000047XXXXXXXXX Balance updated -

Original creditor - Credit limit $18,500

Company sold - Monthly payment -

Account type Credit Card Last Payment Date Apr 13, 2017

Date opened Mar 14, 2007 Highest balance $11,971

Open/closed Closed Terms -

Status Paid, Closed/Never late. Responsibility Individual

Status updated Jul 2017 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2017
      CLS — — — — —
2016            

2015            

2014            

2013            

2012            

2011            

— — — — — — —     
2010

 Current / Terms met CLS Closed — Data Unavailable

 Contact info

Address PO BOX 8803 WILMINGTON,

DE 19899

Phone number (888) 232-0780

 Comments
Account closed at consumer's request
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

BB&T
Closed
Exceptional payment history

 Account info
Account name BB&T Balance -

Account number 933693XXXXXXX Balance updated -

Original creditor - Original balance $395,200

Company sold - Monthly payment -

Account type Mortgage Last Payment Date Jun 23, 2020

Date opened Jan 30, 2015 Terms 30 Years

Open/closed Closed Responsibility Joint

Status Paid, Closed/Never late. Your statement -

Status updated Jun 2020

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020      CLS — — — — — —
2019            

2018            

2017            

2016            

2015 —           

 Current / Terms met CLS Closed — Data Unavailable

 Contact info
Address PO BOX 2027 GREENVILLE,
SC 29602

Phone number By mail only

 Comments

-
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

COMENITY BANK/BERGNERS
Closed
Exceptional payment history

 Account info
Account name COMENITY BANK/BERGNERS Balance -

Account number 211700XXXXXXXXXX Balance updated -

Original creditor - Credit limit $2,000

Company sold - Monthly payment -

Account type Charge Card Last Payment Date Nov 15, 2012

Date opened Jan 08, 2012 Highest balance $227

Open/closed Closed Terms -

Status Paid, Closed/Never late. Responsibility Individual

Status updated Apr 2018 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2018    CLS — — — — — — — —
2017            

2016 ND ND ND ND        

2015 ND ND ND ND ND ND ND ND ND ND ND ND

2014 ND ND ND ND ND ND ND ND ND ND ND ND

2013 ND ND ND ND ND ND ND ND ND ND ND ND

— — — — — — —     
2012

 Current / Terms met ND No data for this period CLS Closed

— Data Unavailable

 Contact info
Address PO BOX 182789 COLUMBUS,
OH 43218

Phone number -

 Comments
Account closed at credit grantor's request
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

COMENITY BANK/PIER 1
Closed
Exceptional payment history

 Account info
Account name COMENITY BANK/PIER 1 Balance -

Account number 585637XXXXXXXXXX Balance updated -

Original creditor - Credit limit $2,500

Company sold - Monthly payment -

Account type Charge Card Last Payment Date Feb 10, 2016

Date opened Sep 13, 2013 Highest balance $125

Open/closed Closed Terms -

Status Paid, Closed/Never late. Responsibility Individual

Status updated Nov 2018 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2018           CLS —

2017            

2016            

2015            

2014            

2013 — — — — — — — — —   

 Current / Terms met CLS Closed — Data Unavailable

 Contact info
Address PO BOX 182789 COLUMBUS,
OH 43218

Phone number -

 Comments
Account closed at credit grantor's request
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

JPMCB CARD
Closed
Exceptional payment history

 Account info
Account name JPMCB CARD Balance -

Account number 414720XXXXXX Balance updated -

Original creditor - Credit limit $11,500

Company sold - Monthly payment -

Account type Credit Card Last Payment Date Sep 05, 2019

Date opened Jan 07, 2009 Highest balance $11,356

Open/closed Closed Terms -

Status Paid, Closed/Never late. Responsibility Individual

Status updated Sep 2019 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019
        CLS — — —
2018            

2017            

2016            

2015            

2014            

2013            

— — — — — — — — —   
2012

 Current / Terms met CLS Closed — Data Unavailable

 Contact info
Address PO BOX 15369 WILMINGTON,
DE 19850

Phone number (800) 945-2000

 Comments
Account closed at consumer's request
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

LOANCARE
Closed
Exceptional payment history

 Account info
Account name LOANCARE Balance -

Account number 623001XXXXXXX Balance updated -

Original creditor - Original balance $297,500

Company sold - Monthly payment -

Account type Mortgage Last Payment Date Mar 30, 2016

Date opened Sep 04, 2013 Terms 30 Years

Open/closed Closed Responsibility Joint

Status Paid, Closed/Never late. Your statement -

Status updated Apr 2016

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016    CLS — — — — — — — —

2015            

 Current / Terms met CLS Closed — Data Unavailable

 Contact info
Address 3637 SENTARA WAY VIRGINIA BEACH,
VA 23452

Phone number (757) 892-1700

 Comments

-
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

MACYS/CBNA
Closed
Exceptional payment history

 Account info
Account name MACYS/CBNA Balance -

Account number 436112XXXXXX Balance updated -

Original creditor - Credit limit $100

Company sold - Monthly payment -

Account type Charge Card Last Payment Date Dec 17, 2008

Date opened Dec 01, 1999 Highest balance $1,127

Open/closed Closed Terms -

Status Paid, Closed/Never late. Responsibility Individual

Status updated Feb 2018 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2018
 CLS — — — — — — — — — —
2017 ND ND ND         

2016 ND ND ND ND ND ND ND ND ND ND ND ND

2015 ND ND ND ND ND ND ND ND ND ND ND ND

2014 ND ND ND ND ND ND ND ND ND ND ND ND

2013 ND ND ND ND ND ND ND ND ND ND ND ND

2012       CLS ND ND ND ND ND

— —          
2011

 Current / Terms met ND No data for this period CLS Closed

— Data Unavailable

 Contact info
Address PO BOX 8218 MASON,
OH 45040

Phone number (800) 243-6552

 Comments
Account closed at credit grantor's request
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

ROCKET MORTGAGE
Closed
Exceptional payment history

 Account info
Account name ROCKET MORTGAGE Balance -

Account number 867345XXXXXXX Balance updated -

Original creditor - Original balance $362,760

Company sold - Monthly payment -

Account type Mortgage Last Payment Date Apr 13, 2023

Date opened Jun 18, 2020 Terms 15 Years

Open/closed Closed Responsibility Joint

Status Paid, Closed/Never late. Your statement -

Status updated Apr 2023

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023    CLS — — — — — — — —

2022            

2021            

2020 — — — — — — — —    

 Current / Terms met CLS Closed — Data Unavailable

 Contact info
Address 1050 WOODWARD AVE DETROIT,
MI 48226

Phone number (800) 508-0944

 Comments

-
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

Collection accounts

No collection accounts reported.

 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

Public records

No public records reported.

 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

Inquiries

CAP ONE NA

Inquired on Jun 17, 2022

Business Type: Bank Credit Cards

PO BOX 30281

SALT LAKE CITY, UT 84130

(800) 227-4825

This inquiry is scheduled to continue on record until Jul 2024

 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

Credit scores

FICO® Score 8

Go od Ve
r
74 y G
0- o
ir 79
Fa

od
9

786
Your score is above the average of U.S. consumers and demonstrates to lenders that you are a very
dependable borrower.
Ex
cep
Poor

ti
o na l

300 850

Experian data 8/21/2023

What's helping
 No missed payments

You have no missed payments on your credit accounts.

Number of your accounts with a missed payment or derogatory indicator: 0 accounts

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 FICO® Score evaluates if there are any missed payments being reported. Staying current and paying bills on time demonstrate lower credit risk.

 Recent credit card usage

You've shown recent use of credit cards and/or bank-issued open-ended accounts.

FICO® Scores evaluate the mix of credit cards, installment loans and mortgages. People who demonstrate recent and responsible use of credit cards and/or bank-issued open-ended accounts are
generally considered less risky to lenders.

 Not seeking credit

You're not actively looking for credit.

Your applications for credit in the past year: 0 inquiries

About 70% of FICO High Achievers did not apply for credit in the past year.

Each time a person applies for credit, a credit inquiry is usually added to your credit report. Your credit report shows relatively few or no recent credit inquiries, which indicates that you are not actively
looking for credit. People who are actively seeking credit pose more of a risk to lenders than those who are not.

 Recent revolving account usage

You've shown recent use of revolving and/or open-ended accounts.

FICO® Scores evaluate the mix of revolving credit, installment loans and mortgages. People who demonstrate recent and responsible use of revolving credit and/or open-ended accounts are generally
considered less risky to lenders.

What's hurting
 High credit usage

You've made heavy use of your available revolving credit.

Ratio of your revolving balances to your credit limits: 21%

For FICO High Achievers, the average ratio of the revolving account balances to credit limits is less than 7%.

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. People
who keep their ratio of balances to credit limits lower are generally considered less risky to lenders than those with higher ratios. Note, consolidating or moving debt from one account to another will
usually not change the total amount owed.
 Prepared For ANITA COMISKY Date generated: Aug 21, 2023

Disclaimer

About your FICO® Score 8 or other FICO® Scores

Your FICO® Score 8 powered by Experian data is formulated using the information in your credit file at the time it is requested. Many but not all lenders use FICO® Score 8. In addition to the FICO® Score 8, we may offer and
provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). The other FICO® Scores made available are calculated from versions of the base and industry-specific FICO®
Score models.

Base FICO® Scores (including the FICO® Score 8) range from 300 to 850. Industry-specific 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.

What this means to you:

Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and
bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. Your lender or insurer may use a different FICO® Score than FICO® Score 8 or other base or industry-
specific FICO® Scores provided by us, or different scoring models to determine how you score.