8/17/24, 11:40 PM Your Credit Health | Credit Karma
View report from
Aug 17, 2024
SHANE M EMBERTON
591
Calculated using VantageScore 3.0
Provided by TransUnion
Personal Information
NAMES REPORTED
SHANE M EMBERTON
EMPLOYMENT INFO
MRE AUTOMOTIVE
MIDAS MUFFLER NORTH
FT WAYNE, IN
ADDRESSES REPORTED
6628 HACKBERRY DR
FORT WAYNE, IN
46825
12826 COLUMA BAY
FORT WAYNE, IN
46845
12818 STARLING CV
FORT WAYNE, IN
46845
Accounts
Today Credit Cards Loans Money
Here's every account on your TransUnion report. Click on the account name for more details.
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You can submit a dispute without leaving Credit Karma. Look for Direct Dispute™ in the details of the
account.
AUTO LOANS
CAPITAL ONE AUTO FINANCE $10,204.00 -
Reported: Jul. 31, 2024 In good standing
Overview
You have 42% left to pay on this loan.
Balance Highest Balance
$10204 $24386
Monthly payment $490
Opened Apr. 13, 2021 (3 yrs, 4 mos)
Term 60 months
Payment History
You’ve made 74% 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 Jul. 22, 2024
Current Payment Status Current
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Worst Payment Status 30-59 Days Late
Account Details
Account status Open
Type Auto Loan
Responsibility Individual
Remarks No Info
Times 30/60/90 days late 10/0/0
Closed No Info
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SEE AN ERROR?
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DISPUTE AT TRANSUNION
Creditor Information
CAPITAL ONE AUTO FINANCE
CREDIT BUREAU DISPUTE PO BOX 259407
PLANO, TX 75025
(800) 946-0332
CREDIT CARDS
JPMCB CARD SERVICES $0.00 -
Reported: Jul. 25, 2024 In good standing
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Overview
You're currently using 0% of your account's limit.
Balance Credit limit
$0 $500
Monthly payment $0
Opened May 26, 2022 (2 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
2024
2023
2022
Current Late Unknown
Last payment No Info
Current Payment Status Current
Amount past due $0
Worst Payment Status Current
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Account Details
Account status Open
Type Flexible spending credit card
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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DISPUTE AT TRANSUNION
Creditor Information
JPMCB CARD SERVICES
PO BOX 15369
WILMINGTON, DE 19850
(800) 945-2000
SYNCB/CARE CREDIT $0.00 -
Reported: Jul. 11, 2023 Closed
Overview
You're currently using 0% of your account's limit.
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Balance Credit limit
$0 $1630
Monthly payment $0
Opened Jan. 26, 2021 (3 yrs, 6 mos)
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Payment History
You’ve made 97% of payments for this account on time.
J F M A M J J A S O N D
2023
2022
2021
Current Late Unknown
Last payment Apr. 03, 2023
Current Payment Status Current
Amount past due $0
Worst Payment Status 30-59 Days Late
Account Details
Account status Paid
Type Charge account
Responsibility Individual
Remarks Canceled by credit grantor
Times 30/60/90 days late 1/0/0
Closed Jun. 10, 2022
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SEE AN ERROR?
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DISPUTE AT TRANSUNION
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Creditor Information
SYNCB/CARE CREDIT
PO BOX 71757
PHILADELPHIA, PA 19176
(866) 396-8254
Hide closed (1)
OTHER LOANS
SNAP ON CREDIT LLC $0.00 -
Reported: Jan. 18, 2021 Closed
Overview
You have 0% left to pay on this loan.
Balance Highest Balance
$0 $6000
Monthly payment $0
Opened May 17, 2018 (6 yrs, 3 mos)
Term 36 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
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J F M A M J J A S O N D
2018
Current Late Unknown
Last payment Jan. 18, 2021
Current Payment Status Current
Worst Payment Status Current
Account Details
Account status Closed
Type Secured loan
Responsibility Individual
Remarks Closed
Times 30/60/90 days late 0/0/0
Closed Jan. 18, 2021
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See an error?
DIRECT DISPUTE™
If there's an error on your report, you can submit a dispute without leaving Credit
Karma.
DISPUTE AN ERROR
Creditor Information
SNAP ON CREDIT LLC
950 TECHNOLOGY WAY STE 301
LIBERTYVILLE, IL 60048
(877) 777-8455
REAL ESTATE LOANS
CARRINGTON MORTGAGE SERV $97,434.00 -
Reported: Jul. 31, 2024 Needs Attention
Overview
You have 92% left to pay on this real estate loan.
Balance Highest Balance
$97434 $106043
Monthly payment $841
Opened May 27, 2020 (4 yrs, 2 mos)
Term 360 months
Today
Payment History Credit Cards Loans Money
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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
Current Late Unknown
Last payment Jun. 28, 2024
Current Payment Status 30-59 Days Late
Worst Payment Status Current
Account Details
Account status Open
Type FHA real estate mortgage
Responsibility Individual
Remarks No Info
Times 30/60/90 days late 0/0/0
Closed No Info
See an error?
SEE AN ERROR?
If there's an error on your report, you can submit a dispute.
DISPUTE AT TRANSUNION
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Creditor Information
CARRINGTON MORTGAGE SERV
15 ENTERPRISE ST SUITE 200
ALISO VIEJO, CA 92656
(800) 561-4561
RUOFF HOME MORTGAGE $0.00 -
Reported: Jul. 05, 2023 Closed
Overview
You have 0% left to pay on this real estate loan.
Balance Highest Balance
$0 $106043
Monthly payment $0
Opened May 27, 2020 (4 yrs, 2 mos)
Term 360 months
Payment History
You’ve made 97% 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 Jul. 03, 2023
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Current Payment Status Current
Worst Payment Status 30-59 Days Late
Account Details
Account status Transferred
Type FHA real estate mortgage
Responsibility Individual
Remarks Transferred to another lender
Times 30/60/90 days late 1/0/0
Closed Jul. 05, 2023
See an error?
SEE AN ERROR?
If there's an error on your report, you can submit a dispute.
DISPUTE AT TRANSUNION
Creditor Information
RUOFF HOME MORTGAGE
1670 MAGNAVOX WAY
FORT WAYNE, IN 46804
(866) 502-4259
Hide closed (1)
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Hard Inquiries
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.
CAPITAL ONE Bank -
Inquiry: May 30, 2024 (800) 955-7070
See an error?
Find out how to dispute a hard inquiry
Institution Information
CAPITAL ONE
15000 CAPITAL ONE
RICHMOND, VA
23238
(800) 955-7070
JPMCB CARD SERVICES Bank -
Inquiry: Oct. 26, 2023 (800) 453-9719
See an error?
Find out how to dispute a hard inquiry
Institution Information
JPMCB CARD SERVICES
PO BOX 15077
WILMINGTON, DE
19850
(800) 453-9719
Collections
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8/17/24, 11:40 PM Your Credit Health | Credit Karma
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 Aug. 17, 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 Aug. 17, 2024, you have no public records on your report.
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