10/11/23, 4:45 PM Experian

Prepared For

SANDY CALCINESORDONEZ
Personal & confidential

Date generated: Oct 11, 2023

At a glance

FICO® Score 8


557 Experian data Oct 11, 2023

300 850
Poor

Account summary Overall credit usage Debt summary

Open accounts 4 Credit card and credit line debt $1,568

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

Accounts ever late 1 Loan debt $43,494

Closed accounts 2
65 % Collections debt $492

Collections 1 Total debt $45,554

Average account age 7 mos

Oldest account 1 yr 6 mos

Credit used: $1,568

Credit limit: $2,400

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Prepared For SANDY CALCINESORDONEZ Date generated: Oct 11, 2023

Personal information

Name Addresses Employers

SANDY CALCINESORDONEZ 7201 WOOD HOLLOW DR APT 426 SELF EMPLOYED
AUSTIN, TX 78731-2534
Also known as LYFT
SANDY CALCINES 1515 WICKERSHAM LN APT 614
AUSTIN, TX 78741-3125
CALCINES SANDY
7281 WOOD HOLLOW DR # 426
ORDONEZ SANDY CALCINES AUSTIN, TX 78731-2543

Generational identifier
-

Year of birth
1992

Personal statements

No Statement(s) present at this time

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Prepared For SANDY CALCINESORDONEZ Date generated: Oct 11, 2023

Open accounts

BEST BUY/CBNA $1,126

Exceptional payment history Balance updated Sep 14, 2023

 Account info
Account name BEST BUY/CBNA Balance $1,126

Account number 603535XXXXXXXXXX Balance updated Sep 14, 2023

Original creditor - Credit limit $2,000

Company sold - Credit usage 56%

Account type Charge Card Monthly payment $30

Date opened Aug 12, 2023 Last Payment Date Sep 08, 2023

Open/closed Open Highest balance $1,456

Status Open/Never late. Terms -

Status updated Sep 2023 Responsibility Individual

Your statement -

 Payment history

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

2023 - - - - - - -   - - -

 Current / Terms met - Data Unavailable

 Contact info
Address 50 NORTHWEST POINT ROAD ELK GROVE
VILLAGE,
IL 60007

Phone number -

 Comments
-

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Prepared For SANDY CALCINESORDONEZ Date generated: Oct 11, 2023

FIRST PREMIER BANK $442

Exceptional payment history Balance updated Sep 25, 2023

 Account info
Account name FIRST PREMIER BANK Balance $442

Account number 517800XXXXXXXXXX Balance updated Sep 25, 2023

Original creditor - Credit limit $400

Company sold - Credit usage 110%

Account type Credit card Monthly payment $31

Date opened Apr 23, 2023 Last Payment Date Aug 23, 2023

Open/closed Open Highest balance $442

Status Open/Never late. Terms -

Status updated Sep 2023 Responsibility Individual

Your statement -

 Payment history

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

2023 - - -       - - -

 Current / Terms met - Data Unavailable

 Contact info
Address 601 S MINNESOTA AVE SIOUX FALLS,
SD 57104

Phone number (605) 357-3000

 Comments
-

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Prepared For SANDY CALCINESORDONEZ Date generated: Oct 11, 2023

OPORTUN/PROGRESO FINAN $2,253

Exceptional payment history Balance updated Aug 31, 2023

 Account info
Account name OPORTUN/PROGRESO FINAN Balance $2,253

Account number 589399X Balance updated Aug 31, 2023

Original creditor - Original balance $2,800

Company sold - Paid off 20%

Account type Unsecured Monthly payment $158

Date opened Feb 21, 2023 Last Payment Date Aug 28, 2023

Open/closed Open Terms 25 Months

Status Open/Never late. Responsibility Individual

Status updated Aug 2023 Your statement -

 Payment history

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

2023 -        - - - -

 Current / Terms met - Data Unavailable

 Contact info
Address 3201 DALLAS PKWY STE 700 FRISCO,
TX 75034

Phone number (866) 488-6090

 Comments
-

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Prepared For SANDY CALCINESORDONEZ Date generated: Oct 11, 2023

TOYOTA MOTOR CREDIT $41,241

Exceptional payment history Balance updated Sep 29, 2023

 Account info
Account name TOYOTA MOTOR CREDIT Balance $41,241

Account number 704032XXXXXXXXXXX Balance updated Sep 29, 2023

Original creditor - Original balance $41,541

Company sold - Paid off 1%

Account type Auto Loan Monthly payment $680

Date opened Jul 31, 2023 Last Payment Date Sep 13, 2023

Open/closed Open Terms 72 Months

Status Open/Never late. Responsibility Joint

Status updated Sep 2023 Your statement -

 Payment history

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

2023 - - - - - -    - - -

 Current / Terms met - Data Unavailable

 Contact info
Address PO BOX 9786 CEDAR RAPIDS,
IA 52409

Phone number -

 Comments
-

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Prepared For SANDY CALCINESORDONEZ Date generated: Oct 11, 2023

Closed accounts

OPORTUN/PROGRESO FINAN
Closed
Exceptional payment history

 Account info
Account name OPORTUN/PROGRESO FINAN Balance -

Account number 536941X Balance updated -

Original creditor - Original balance $1,800

Company sold - Monthly payment -

Account type Unsecured Last Payment Date Feb 20, 2023

Date opened Apr 18, 2022 Terms 22 Months

Open/closed Closed Responsibility Individual

Status Refinanced, closed/Never late. Your statement -

Status updated Feb 2023

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023  CLS - - - - - - - - - -

2022 - - -         

 Current / Terms met CLS Closed - Data Unavailable

 Contact info
Address 3201 DALLAS PKWY STE 700 FRISCO,
TX 75034

Phone number (866) 488-6090

 Comments
Account closed due to refinance

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Prepared For SANDY CALCINESORDONEZ Date generated: Oct 11, 2023

RENTRECOVERYSOLUTIONS $492

1 potentially negative month Closed

 Account info
Account name RENTRECOVERYSOLUTIONS Balance $492

Account number 733830X Balance updated Oct 06, 2023

Original creditor SUNRISE BLUFFS Original balance $492

Company sold - Monthly payment -

Account type Collection Past due amount $492

Date opened Aug 08, 2023 Terms 1 Month

Status Collection account. $492 past due as of Oct 2023. Responsibility Individual

Status updated Aug 2023 Your statement -

 Payment history

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

2023 - - - - - - - - - C - -

C Collection - Data Unavailable

 Contact info
Address 1945 THE EXCHANGE SE STE ATLANTA,
GA 30339 ATLANTA,
GA 30339

Phone number (678) 819-4039

 Comments
-

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Prepared For SANDY CALCINESORDONEZ Date generated: Oct 11, 2023

Collection accounts

RENTRECOVERYSOLUTIONS $492

Original creditor: SUNRISE BLUFFS Closed

 Account info
Account name RENTRECOVERYSOLUTIONS Balance $492

Account number 733830X Balance updated Oct 06, 2023

Original creditor SUNRISE BLUFFS Original balance $492

Company sold - Monthly payment -

Account type Collection Past due amount $492

Date opened Aug 08, 2023 Terms 1 Month

Status Collection account. $492 past due as of Oct 2023. Responsibility Individual

Status updated Aug 2023 Your statement -

 Payment history

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

2023 - - - - - - - - - C - -

C Collection - Data Unavailable

 Contact info
Address 1945 THE EXCHANGE SE STE ATLANTA,
GA 30339 ATLANTA,
GA 30339

Phone number (678) 819-4039

 Comments
-

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Prepared For SANDY CALCINESORDONEZ Date generated: Oct 11, 2023

Public records

No public records reported.

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Prepared For SANDY CALCINESORDONEZ Date generated: Oct 11, 2023

Inquiries

700 CREDIT/SOUTH AUSTI 700 CREDIT/SOUTH AUSTI 700 CREDIT/SOUTH AUSTI

Inquired on Apr 18, 2022 Inquired on Apr 9, 2022 Inquired on Mar 8, 2022

Business Type: Automobile Dealers, Used Business Type: Automobile Dealers, Used Business Type: Automobile Dealers, Used

4914 S IH 35 4914 S IH 35 4914 S IH 35

AUSTIN, TX 78745 AUSTIN, TX 78745 AUSTIN, TX 78745

(512) 778-0200 (512) 778-0200 (512) 778-0200

This inquiry is scheduled to continue on record until May 2024 This inquiry is scheduled to continue on record until May 2024 This inquiry is scheduled to continue on record until Apr 2024

700 CREDIT/SOUTH POINT 700/TOWN NORTH NISSAN 700/TOYOTA OF NORTH AU

Inquired on Apr 19, 2022 Inquired on Mar 14, 2023 Inquired on Jul 28, 2023

Business Type: Automobile Dealers, Used Business Type: Automobile Dealers, Used Business Type: Automobile Dealers, Used

4610 S INTERSTATE 35 9150 RESEARCH BLVD 8400 RESEARCH BLVD

AUSTIN, TX 78745 AUSTIN, TX 78758 AUSTIN, TX 78758

(512) 445-0300 (512) 451-7411 (512) 458-2222

This inquiry is scheduled to continue on record until May 2024 This inquiry is scheduled to continue on record until Apr 2025 This inquiry is scheduled to continue on record until Aug 2025

700/TOYOTA OF NORTH AU 700/TOYOTA OF NORTH AU ALLY FINANCIAL

Inquired on Mar 14, 2023 Inquired on Apr 16, 2022 Inquired on Jul 28, 2023

Business Type: Automobile Dealers, Used Business Type: Automobile Dealers, Used Business Type: Auto Financing Companies

8400 RESEARCH BLVD 8400 RESEARCH BLVD 200 RENAISSANCE CTR

AUSTIN, TX 78758 AUSTIN, TX 78758 DETROIT, MI 48243

(512) 458-2222 (512) 458-2222 (248) 263-3004

This inquiry is scheduled to continue on record until Apr 2025 This inquiry is scheduled to continue on record until May 2024 This inquiry is scheduled to continue on record until Aug 2025

ALLY FINANCIAL ALLY FINANCIAL ALLY FINANCIAL

Inquired on Aug 8, 2022 Inquired on Apr 19, 2022 Inquired on Apr 18, 2022

Business Type: Auto Financing Companies Business Type: Auto Financing Companies Business Type: Auto Financing Companies

200 RENAISSANCE CTR 200 RENAISSANCE CTR 200 RENAISSANCE CTR

DETROIT, MI 48243 DETROIT, MI 48243 DETROIT, MI 48243

(248) 263-3004 (248) 263-3004 (248) 263-3004

This inquiry is scheduled to continue on record until Sep 2024 This inquiry is scheduled to continue on record until May 2024 This inquiry is scheduled to continue on record until May 2024

ALLY FINANCIAL ALLY FINANCIAL CAP ONE NA

Inquired on Apr 9, 2022 Inquired on Mar 19, 2022 Inquired on May 3, 2023

Business Type: Auto Financing Companies Business Type: Auto Financing Companies Business Type: Bank Credit Cards

200 RENAISSANCE CTR 200 RENAISSANCE CTR PO BOX 30281

DETROIT, MI 48243 DETROIT, MI 48243 SALT LAKE CITY, UT 84130

(248) 263-3004 (248) 263-3004 (800) 227-4825

This inquiry is scheduled to continue on record until May 2024 This inquiry is scheduled to continue on record until Apr 2024 This inquiry is scheduled to continue on record until Jun 2025

CAP ONE NA CAPITAL ONE AUTO FIN CBC/VEROS CREDIT LLC

Inquired on Nov 27, 2022 Inquired on Jul 28, 2023 Inquired on Mar 19, 2022

Business Type: Bank Credit Cards Business Type: Auto Financing Companies Business Type: Auto Financing Companies

PO BOX 30281 PO BOX 259407 2333 N BROADWAY STE 400

SALT LAKE CITY, UT 84130 PLANO, TX 75025 SANTA ANA, CA 92706

(800) 227-4825 (800) 946-0332 (714) 918-1800

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This inquiry is scheduled to continue on record until Dec 2024 This inquiry is scheduled to continue on record until Aug 2025 This inquiry is scheduled to continue on record until Apr 2024

CHAMPION TOYOTA CITIBANK NA., BEST BUY CITIBANK NA., BEST BUY

Inquired on Mar 7, 2022 Inquired on Aug 12, 2023 Inquired on Mar 2, 2023

Business Type: Automobile Dealers, New Business Type: All Banks - non specific Business Type: All Banks - non specific

4800 S IH 35 5800 S CORPORATE PL 5800 S CORPORATE PL

AUSTIN, TX 78745 SIOUX FALLS, SD 57108 SIOUX FALLS, SD 57108

(512) 345-7890 By mail only By mail only

This inquiry is scheduled to continue on record until Apr 2024 This inquiry is scheduled to continue on record until Sep 2025 This inquiry is scheduled to continue on record until Apr 2025

CITIBANK NA., BEST BUY COMENITYCB/IDDEAL CONSUMER PORTFOLIO SVC

Inquired on Dec 7, 2022 Inquired on Apr 17, 2023 Inquired on Mar 19, 2022

Business Type: All Banks - non specific Business Type: Jewelers Business Type: Auto Financing Companies

5800 S CORPORATE PL PO BOX 182120 16355 LAGUNA CANYON RD

SIOUX FALLS, SD 57108 COLUMBUS, OH 43218 IRVINE, CA 92618

By mail only This inquiry is scheduled to continue on record until May 2025 By mail only

This inquiry is scheduled to continue on record until Jan 2025 This inquiry is scheduled to continue on record until Apr 2024

CREDIT ACCEPTANCE EXETER FINANCE LLC/WCG GLOBAL LENDING SERVICE

Inquired on Apr 19, 2022 Inquired on Apr 19, 2022 Inquired on Apr 9, 2022

Business Type: Auto Financing Companies Business Type: Auto Financing Companies Business Type: Auto Financing Companies

PO BOX 513 2101 W JOHN CARPENTER FW 3399 PEACHTREE RD NE STE

SOUTHFIELD, MI 48037 IRVING, TX 75063 ATLANTA, GA 30326

(248) 353-2700 (214) 572-8278 (888) 508-2188

This inquiry is scheduled to continue on record until May 2024 This inquiry is scheduled to continue on record until May 2024 This inquiry is scheduled to continue on record until May 2024

NCCINC/LEIF JOHNSON FO NCCINC/SAMES RED BARN NISSAN MOTOR ACCEPTANC

Inquired on Aug 8, 2022 Inquired on Apr 19, 2022 Inquired on Apr 9, 2022

Business Type: Automobile Dealers, New Business Type: Automobile Dealers, Used Business Type: Auto Financing Companies

501 E KOENIG LN 620 W SLAUGHTER LN 8900 FREEPORT PKWY

AUSTIN, TX 78751 AUSTIN, TX 78748 IRVING, TX 75063

(512) 454-3711 (512) 628-0500 (800) 274-6622

This inquiry is scheduled to continue on record until Sep 2024 This inquiry is scheduled to continue on record until May 2024 This inquiry is scheduled to continue on record until May 2024

NOWCOM/BETTER MOTORS NOWCOM/WESTLAKE FINANC NOWCOM/WESTLAKE FINANC

Inquired on Mar 19, 2022 Inquired on Aug 8, 2022 Inquired on Apr 19, 2022

Business Type: Automobile Dealers, Used Business Type: Automobile Dealers, Used Business Type: Automobile Dealers, Used

12112 BOARDWALK DR 4751 WILSHIRE BLVD 4751 WILSHIRE BLVD

AUSTIN, TX 78729 LOS ANGELES, CA 90010 LOS ANGELES, CA 90010

(512) 264-5615 (888) 739-9192 (888) 739-9192

This inquiry is scheduled to continue on record until Apr 2024 This inquiry is scheduled to continue on record until Sep 2024 This inquiry is scheduled to continue on record until May 2024

OPORTUN/PROGRESO FINAN OPORTUN/PROGRESO FINAN SYNCB/AMAZON PLCC

Inquired on Feb 21, 2023 Inquired on Apr 16, 2022 Inquired on Jul 12, 2022

Business Type: Personal Loan Companies Business Type: Personal Loan Companies Business Type: Bank Credit Cards

3201 DALLAS PKWY STE 700 3201 DALLAS PKWY STE 700 PO BOX 965015

FRISCO, TX 75034 FRISCO, TX 75034 ORLANDO, FL 32896

(866) 488-6090 (866) 488-6090 (866) 634-8379

This inquiry is scheduled to continue on record until Mar 2025 This inquiry is scheduled to continue on record until May 2024 This inquiry is scheduled to continue on record until Aug 2024

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SYNCB/SAMS CLUB TOYOTA MOTOR CREDIT CO TOYOTA MOTOR CREDIT CO

Inquired on May 23, 2023 Inquired on Jul 29, 2023 Inquired on Jul 28, 2023

Business Type: Sales Financing Company Business Type: Auto Financing Companies Business Type: Auto Financing Companies

PO BOX 965005 PO BOX 9786 PO BOX 9786

ORLANDO, FL 32896 CEDAR RAPIDS, IA 52409 CEDAR RAPIDS, IA 52409

(800) 964-1917 (800) 279-9032 (800) 279-9032

This inquiry is scheduled to continue on record until Jun 2025 This inquiry is scheduled to continue on record until Aug 2025 This inquiry is scheduled to continue on record until Aug 2025

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Prepared For SANDY CALCINESORDONEZ Date generated: Oct 11, 2023

Credit scores

FICO® Score 8

Go od
Ve
ry
ir Go
Fa

od

557
Your score is well below the average score of U.S. consumers and demonstrates to lenders that you are a
risky borrower.
Ex
5 79
3 0 0 - or

cep
Po

ti
o na l

300 850

Experian data 10/11/2023

What's hurting
 Collection and/or PR

You have a public record and/or collection on your credit report.

Number of collections on your credit report: 1 collection

Virtually no FICO High Achievers have a public record or collection listed on their credit report.

The presence of a derogatory public record (such as a bankruptcy) or collection is highly correlated with future payment risk. However, newer versions of the score including FICO® Score 9, FICO® Score
10, and FICO® Score 10 T only consider unpaid collections. Satisfying a public record or paying off a collection will not remove a valid item from the credit report and it will still be considered by a FICO®
Score as long as it is reported. As these items age, they may have less impact on the FICO® Score. Most public records and collections stay on your report for no more than seven years - though there are
certain items that could remain longer.

 High credit usage

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

Ratio of your revolving balances to your credit limits: 65%

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.

 Few accounts paid on time

You have an insufficient number of accounts that are currently paid as agreed.

Number of your accounts currently being paid as agreed: 3 accounts

FICO High Achievers have an average of 6 accounts currently being paid as agreed.

The FICO® Score considers the number of accounts showing on time payments. Generally, the higher the number reported the lower the risk. Compared to other people with a similar age of credit history,
the number of accounts you have that are currently paid as agreed is low.

 Short account history

You have a short credit history.

Your oldest account was opened: 1 Year, 6 Months ago

FICO High Achievers opened their oldest account 25 years ago, on average.

Average age of your accounts: 7 Months

Most FICO High Achievers have an average age of accounts of 9 years or more.

People with longer credit histories who infrequently 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.

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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.

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