8/1/24, 1:04 PM Credit Bureau Report
Score Summary - SHAMEL GLOVER
FICO Auto 08
CREDIT REPORT
SHAMEL GLOVER DOB: 05/04/1989 Date: 08/01/2024 1:03:45 PM
255 N MAIN ST SSN: XXX-XX-5950 In File: 05/21/2007
JONESBORO, GA 30237 Date Rptd: 10/27/2022
Subscriber Name: MANN CDJR
Sub Code: LA9306232M
PREVIOUS ADDRESSES
Name City State Zip Date Reported
2220 HARBOR POINTE PY ATLANTA GA 30350 10/13/2018
847 BURBANK ST GREENSBORO NC 27406 08/01/2024
ALIASES
Name
GLOVER,MEL
EMPLOYMENT
Employer Occupation Date Hired End Date Date Reported
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ARD AND GIFTED HANDS SERVICES 10/30/2018
CORPRATE ACOMADATIONS 09/08/2015
Special Messages
SSN Match Ind: Exact match between SSN on input and SSN on file
Score Summary
ScoreCard Score Code Score Factor Description
FICO Auto 08 528 038 Serious delinquency, and public record or collection filed
013 Time since delinquency is too recent or unknown
018 Number of accounts with delinquency
027 Too few accounts currently paid as agreed
I Inquiries did impact the credit score and, for models that indicate it, no derogatory info
was found in the file
Auto Summary
No Auto Trades Found
Bureau Summary
PR=0 COL=1 NEG=5 HSTNEG=3-9 TRD=7 RVL=9 INST=3 MTG=0 OPN=1 INQ=4
HIGH CRED CRED LIM BALANCE PAST DUE MNTHLY PAY AVAILABLE
REVOLVING: $5806 $9050 $1336 $0 $95 85%
OPEN: $183 $0 $0 $0 $0
CLOSED: $0 $0 $478 $478 $0
INSTALLMENT: $1000 $0 $644 $86 $43
TOTALS: $6989 $9050 $2458 $564 $138
Credit Summary
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Total Oldest History Public Inquiries
Trades Trade Current Negative Negative Records Collections 30 60 90 Inquiries Last 6
7 10/07/2018 6 5 3-9 0 1 9 0 0 4 3
High Credit Past Monthly
Number Credit Limit Balance Due Payment Available %
Revolving 9 $5806 $9050 $1336 $0 $95 85%
Open: 1 $183 $0 $0 $0 $0
Closed: 0 $0 $0 $478 $478 $0
Installment: 3 $1000 $0 $644 $86 $43
Totals: 13 $6989 $9050 $2458 $564 $138
Collections
Creditor Account Number Date Opened Amount
Member Number Industry Code Date Verified Balance
Status Account Type/ECOA Date Closed
Narratives
LVNV FUNDING/NAVY FEDERAL CREDIT UNION 10/18/2022 $17345
021T9002 Collection Services 07/08/2024 $17345
Collection account Open account/Individual
Account information disputed by consumer
Trades - Revolving Accounts
Account Name/Id Opened Credit Limit Balance Month Pay Terms
Account # Reported High Credit Orig Amt MOS Rep 30 60 90
KOB/Trade Type Closed/Paid Last Paid Closed Ind Date Closed Payment
Status/Acct Type Past Due Owner Pattern
Comments
CREDITONEBNK 03/16/2020 $650 $199 $30 Unknown
054MR013 07/27/2024 $657 $657 48 00 00 00
Banks/Revolving - $30 Open - 111111111111
Paid or paying as agreed/Credit Card - Authorized User 111111111111
CREDITONEBNK 09/02/2022 $900 $717 $30 Unknown
054MR013 07/15/2024 $893 $893 21 00 00 00
Banks/Revolving - $30 Open - 111111111111
Paid or paying as agreed/Credit Card - Authorized User 111111111
KIKOFF 05/07/2021 $3500 $420 $35 Unknown
02H42004 06/30/2024 $420 $420 04 00 00 00
Finance / Personal/Revolving - $35 Open - 1111
Paid or paying as agreed/Charge Account - Individual
CAPITAL ONE 01/27/2018 $500 $0 $0 Unknown
01DTV001 05/17/2024 $1445 $1445 48 00 00 00
Banks/Revolving - $0 Open - 111111111111
Paid or paying as agreed/Credit Card - Account Rel Term 111111111111
CAPITAL ONE 10/07/2018 $3500 $0 $0 Unknown
01DTV001 05/03/2024 $2391 $2391 48 00 00 00
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Banks/Revolving $0 Open 111111111111
Paid or paying as agreed/Credit Card - Account Rel Term 111111111111
5/3 BANK NA 08/11/2020 $500 $0 $0 Unknown
021AV061 04/13/2021 $534 $534 08 01 00 00
Banks/Revolving 04/09/2021 $0 Closed 03/29/2021 21111111
30 days past due/Secured Credit Card - Individual
Account closed by credit grantor
TBOM/MILSTNE 02/18/2024 $300 $0 $0 Unknown
022EL016 07/10/2024 $109 $109 04 00 00 00
Banks/Revolving - $0 Closed 05/16/2024 1111
Paid or paying as agreed/Credit Card - Individual
Account closed by credit grantor
SELFINC/LEAD 08/12/2021 $900 $169 $0 Unknown
02ANW004 08/31/2022 $991 $991 00
Finance / Personal/Revolving - $0 - 05/18/2022
Charged off as bad debt/Secured Credit Card $169 Individual
Profit and loss writeoff
5/3 BANK NA 08/11/2020 $300 $309 $0 Unknown
021AV061 07/28/2024 $386 $386 00
Banks/Revolving - $0 - 06/24/2021
Collection account/Secured Credit Card $309 Individual
Account closed by credit grantor
Trades - Open Accounts
Account Name/Id Opened Credit Limit Balance Month Pay Terms
Account # Reported High Credit Orig Amt MOS Rep 30 60 90
KOB/Trade Type Closed/Paid Last Paid Closed Ind Date Closed Payment
Status/Acct Type Past Due Owner Pattern
Comments
CHIME-STRIDE 09/28/2022 $0 $0 $0 Unknown
02HVP001 06/03/2024 $183 $183 18 00 00 00
Banks/Open 01/13/2023 $0 Open - 111111111111
Paid or paying as agreed/Secured Credit Card - Individual 111111
Trades - Installment Accounts
Account Name/Id Opened Credit Limit Balance Month Pay Terms
Account # Reported High Credit Orig Amt MOS Rep 30 60 90
KOB/Trade Type Closed/Paid Last Paid Closed Ind Date Closed Payment
Status/Acct Type Past Due Owner Pattern
Comments
CADENCE BK 06/27/2023 $0 $644 $43 024 Months
02J9W027 06/30/2024 $1000 $1000 12 06 00 00
Banks/Installment - $43 Open - 222121221111
60 days past due/Secured $86 Individual
KIKOFF LEND 01/26/2022 $0 $0 $0 012 Months
02H42001 02/27/2023 $120 $120 13 00 00 00
Finance / Personal/Installment - $0 Closed 02/27/2023 1111111X1111
30 days past due/Secured - Individual 1
Closed
SELF / LEAD 05/07/2021 $0 $0 $0 012 Months
02ANW003 03/29/2022 $1663 $1663 10 02 00 00
Banks/Installment - $0 Closed 03/29/2022 2121111111
Paid or paying as agreed/Secured - Individual
Account paid from collateral
Inquiries
Date Subscriber Name Subscriber Number Type
08/01/2024 MANN CDJR 09306232 Individual
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07/23/2024 SYNCB/SAMS 04215612 Individual
02/17/2024 TBOM/MILESTO 04659163 Individual
06/27/2023 CADENCE BANK 00182108 Individual
Owning Bureau Information
TRANSUNION
555 WEST ADAMS
CHICAGO, IL 60661
800-888-4213
Consumer disclosures can be obtained online through TransUnion at:
http://www.transunion.com
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