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May 21, 2024

RUBY L MCGOWN
614
Calculated using VantageScore 3.0
Provided by TransUnion

Personal Information
NAMES REPORTED

RUBY L MCGOWN

EMPLOYMENT INFO

ROSEWOOD STAFFING

GREY STONE HEALTH REHAB

ADDRESSES REPORTED

6440 FAIRFIELD AV 124

FORT WAYNE, IN
46807

7022 RAINTREE RD
FORT WAYNE, IN
46825

4030 S ANTHONY BV
FORT WAYNE, IN
46806

Accounts
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account.

AUTO LOANS

GFSII LLC DBA GATEWAY FN $21,880.00 -

Reported: Apr. 30, 2024 In good standing

Overview
You have 95% left to pay on this loan.

Balance Highest Balance

$21880 $23007

Monthly payment $682

Opened Sep. 09, 2023 (9 mos)

Term 61 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

Current Late Unknown

Last payment Apr. 27, 2024

Current Payment Status Current

Worst Payment Status Current

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Account Details

Account status Open

Type Auto Loan

Responsibility Individual

Remarks No Info

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

Closed No Info

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Creditor Information
GFSII LLC DBA GATEWAY FN
PO BOX 3257
SAGINAW, MI 48605

(989) 790-5161

WESTLAKE PORTFOLIO MANAG $4,279.00 -

Reported: Apr. 01, 2024 Closed

Overview
You have 67% left to pay on this loan.

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Balance Highest Balance

$4279 $6350

Monthly payment $0

Opened Nov. 01, 2017 (6 yrs, 7 mos)

Term 30 months

Payment History

Last payment Sep. 25, 2020

Current Payment Status In Collections/Charge-off

Worst Payment Status No Info

Account Details

Account status Derogatory

Type Auto Loan

Responsibility Individual

Remarks Charged off as bad debt

Profit and loss write-off

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

Closed Jul. 31, 2019

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Creditor Information
WESTLAKE PORTFOLIO MANAG
4751 WILSHIRE BLVD SUITE #100
LOS ANGELES, CA 90010

(888) 739-9192

GLENBROOK CREDIT ACCEPTA $0.00 -

Reported: Jun. 30, 2023 Closed

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

Balance Highest Balance

$0 $19064

Monthly payment $0

Opened Dec. 18, 2020 (3 yrs, 5 mos)

Term 54 months

Payment History

Last payment Apr. 02, 2024

Current Payment Status In Repossession

Worst Payment Status No Info

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Account Details

Account status Derogatory

Type Auto Loan

Responsibility Individual

Remarks Voluntary repossession

Returned voluntarily

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

Closed Jun. 30, 2023

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Creditor Information
GLENBROOK CREDIT ACCEPTA
100 W COLISEUM BLVD
FORT WAYNE, IN 46805

(219) 471-0567

Hide closed (2)

CREDIT CARDS

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CHIME - STRIDE BANK $404.00 -

Reported: Sep. 03, 2023 In good standing

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

Balance Credit limit

$404 No Info

Monthly payment $0

Opened May 20, 2021 (3 yrs)

Payment History

You’ve made 67% 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 Sep. 01, 2023

Current Payment Status Current

Amount past due $0

Worst Payment Status 120-149 Days Late

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Account Details

Account status Open

Type Secured credit card

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 1/1/5

Closed No Info

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Creditor Information
CHIME - STRIDE BANK
PO BOX 417
SAN FRANCISCO, CA 94104

(844) 244-6363

STUDENT LOANS

DEPT OF ED / NELNET $7,778.00 -

Reported: Apr. 30, 2024 In good standing

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Overview
You have 100% left to pay on this student loan.

Balance Highest Balance

$7778 $6000

Monthly payment $86

Opened Jul. 09, 2014 (9 yrs, 11 mos)

Term 120 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

Current Late Unknown

Last payment Aug. 22, 2023

Current Payment Status Current

Worst Payment Status Current

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Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

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

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $1,226.00 -

Reported: Apr. 30, 2024 In good standing

Overview
You have 100% left to pay on this student loan.
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Balance Highest Balance

$1226 $1000

Monthly payment $13

Opened Oct. 06, 2014 (9 yrs, 8 mos)

Term 120 months

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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 Aug. 22, 2023

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

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

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $5,495.00 -

Reported: Apr. 30, 2024 In good standing

Overview
You have 100% left to pay on this student loan.

Balance Highest Balance

$5495 $3500

Monthly payment $22

Opened Sep. 24, 2008 (15 yrs, 8 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
2024
2023

2022

Current Late Unknown

Last payment Aug. 22, 2023

Current Payment Status Current

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Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

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

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $5,341.00 -

Reported: Apr. 30, 2024 In good standing

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Overview
You have 100% left to pay on this student loan.

Balance Highest Balance

$5341 $3500

Monthly payment $21

Opened Oct. 01, 2009 (14 yrs, 8 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
2024
2023
2022

Current Late Unknown

Last payment Aug. 22, 2023

Current Payment Status Current

Worst Payment Status Current

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Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

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

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $11,368.00 -

Reported: Apr. 30, 2024 In good standing

Overview
You have 100% left to pay on this student loan.
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Balance Highest Balance

$11368 $6000

Monthly payment $51

Opened Oct. 01, 2009 (14 yrs, 8 mos)

Term 300 months

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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 Aug. 22, 2023

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

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

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $7,671.00 -

Reported: Apr. 30, 2024 In good standing

Overview
You have 100% left to pay on this student loan.

Balance Highest Balance

$7671 $6000

Monthly payment $82

Opened Oct. 21, 2013 (10 yrs, 7 mos)

Term 120 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

Current Late Unknown

Last payment Aug. 22, 2023

Current Payment Status Current

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Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

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

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $12,111.00 -

Reported: Apr. 30, 2024 In good standing

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Overview
You have 100% left to pay on this student loan.

Balance Highest Balance

$12111 $6000

Monthly payment $54

Opened Sep. 24, 2008 (15 yrs, 8 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
2024

2023
2022

Current Late Unknown

Last payment Aug. 22, 2023

Current Payment Status Current

Worst Payment Status Current

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Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

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

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $4,236.00 -

Reported: Apr. 30, 2024 In good standing

Overview
You have 100% left to pay on this student loan.
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Balance Highest Balance

$4236 $3500

Monthly payment $45

Opened Oct. 21, 2013 (10 yrs, 7 mos)

Term 120 months

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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 Aug. 22, 2023

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

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

Closed No Info

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DIRECT DISPUTE™
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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

DEPT OF ED / NELNET $4,292.00 -

Reported: Apr. 30, 2024 In good standing

Overview
You have 100% left to pay on this student loan.

Balance Highest Balance

$4292 $3500

Monthly payment $47

Opened Jul. 09, 2014 (9 yrs, 11 mos)

Term 120 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

Current Late Unknown

Last payment Aug. 22, 2023

Current Payment Status Current

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Worst Payment Status Current

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks No Info

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

Closed No Info

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Creditor Information
DEPT OF ED / NELNET
PO BOX 82561
LINCOLN, NE 68501

(888) 486-4722

US DEPT OF EDUCATION/GLE $0.00 -

Reported: Jul. 31, 2022 Closed

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

Balance Highest Balance

$0 $9500

Monthly payment $0

Opened Sep. 24, 2008 (15 yrs, 8 mos)

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
2022

2021
2020

2019

Current Late Unknown

Last payment Jun. 01, 2022

Current Payment Status Current

Worst Payment Status Current

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Account Details

Account status Transferred

Type Educational

Responsibility Individual

Remarks Account closed due to transfer

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

Closed Jul. 31, 2022

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Creditor Information
US DEPT OF EDUCATION/GLE
2401 INTERNATIONAL LANE POB 7859
MADISON, WI 53704

(800) 236-4300

US DEPT OF EDUCATION/GLE $0.00 -

Reported: Jul. 31, 2022 Closed

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

$0 $9500

Monthly payment $0

Opened Oct. 01, 2009 (14 yrs, 8 mos)

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
2022

2021

2020
2019

Current Late Unknown

Last payment Jun. 01, 2022

Current Payment Status Current

Worst Payment Status Current

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Account Details

Account status Transferred

Type Educational

Responsibility Individual

Remarks Account closed due to transfer

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

Closed Jul. 31, 2022

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Creditor Information
US DEPT OF EDUCATION/GLE
2401 INTERNATIONAL LANE POB 7859
MADISON, WI 53704

(800) 236-4300

US DEPT. OF EDUCATION/GL $0.00 -

Reported: Jul. 31, 2022 Closed

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

$0 $20000

Monthly payment $0

Opened Oct. 21, 2013 (10 yrs, 7 mos)

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
2022

2021

2020

2019

Current Late Unknown

Last payment Jun. 01, 2022

Current Payment Status Current

Worst Payment Status Current

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Account Details

Account status Transferred

Type Educational

Responsibility Individual

Remarks Account closed due to transfer

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

Closed Jul. 31, 2022

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Creditor Information
US DEPT. OF EDUCATION/GL
2401 INTERNATIONAL LANE POB 7859
MADISON, WI 53704

(800) 236-4300

Hide closed (3)

OTHER ACCOUNTS

VERIZON WIRELESS - SOUTH $668.00

Reported: Apr. 30, 2024 Closed
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Overview
You have 0% left to pay on this loan.

Balance
$668

Monthly payment $0

Opened Jan. 03, 2022 (2 yrs, 5 mos)

Payment History

Last payment No Info

Current Payment Status In Collections/Charge-off

Worst Payment Status No Info

Account Details

Account status Derogatory

Type Telecommunications/Cellular

Responsibility Individual

Remarks Collection Account

Placed for collection

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

Closed May 31, 2023

Today Credit Cards Loans Money

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Creditor Information
VERIZON WIRELESS - SOUTH
NATIONAL RECOVERY OPERATIONS P.O. BOX 26055
MINNEAPOLIS, MN 55426

(800) 852-1922

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.

JPMCB CARD SERVICES Bank -

Inquiry: Oct. 23, 2023 (800) 453-9719

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

CAPITAL ONE VIA DEALER Finance/Personal -

Inquiry: Sep. 09, 2023 (800) 946-0332

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Institution Information
CAPITAL ONE VIA DEALER
3905 N DALLAS PARK
PLANO, TX
75093
(800) 946-0332

PRESTIGE FINANCIAL Finance/Personal -

Inquiry: Sep. 09, 2023 (888) 822-7422

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

Institution Information
PRESTIGE FINANCIAL
351 W OPPORTUNITY
DRAPER, UT
84020
(888) 822-7422

FOURSIGHT CAPITAL LLC Finance/Personal -

Inquiry: Sep. 09, 2023 (888) 960-8063

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Institution Information
FOURSIGHT CAPITAL LLC
265 E 100 S STE 30
SALT LAKE CITY, UT
84111
(888) 960-8063

DLRMKT/GROTE AUTOMOTIVE, Automotive -

Inquiry: Sep. 09, 2023 (260) 422-5000

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Institution Information
DLRMKT/GROTE AUTOMOTIVE,
1630 N COLISEUM BL
FT WAYNE, IN
46805
(260) 422-5000

PREMIER ACCEPTANCE Finance/Personal -

Inquiry: Sep. 09, 2023 (317) 899-7676

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Institution Information
PREMIER ACCEPTANCE
7520 WASHINGTON ST
INDIANAPOLIS, IN
46219
(317) 899-7676

GFS II LLC Finance/Personal -

Inquiry: Sep. 09, 2023 (989) 790-5161

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Institution Information
GFS II LLC
999 S WASHINGTON A STE 1
SAGINAW, MI
48601
(989) 790-5161

ALLY FINANCIAL Finance/Personal -

Inquiry: Sep. 09, 2023 (888) 925-2559

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Institution Information
ALLY FINANCIAL
PO BOX 380901
BLOOMINGTON, MN
55438
(888) 925-2559

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CONSUMER PORTFOLIO SERVI Finance/Personal -

Inquiry: Sep. 09, 2023 (888) 469-4520

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Institution Information
CONSUMER PORTFOLIO SERVI
19500 JAMBOREE ROA
IRVINE, CA
92612
(888) 469-4520

AMERICREDIT Finance/Personal -
Inquiry: Sep. 09, 2023 (800) 284-2271

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Institution Information
AMERICREDIT
801 CHERRY ST SUITE 3900
FT WORTH, TX
76102
(800) 284-2271

SANTANDER CONSUMER USA Finance/Personal -

Inquiry: Sep. 09, 2023 (855) 825-6667

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Institution Information
SANTANDER CONSUMER USA
8585 NORTH STEMMON
DALLAS, TX
75060
(855) 825-6667

CRESCENT BANK-BATON ROUG Bank -

Inquiry: Sep. 09, 2023 (866) 208-8288

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Institution Information
CRESCENT BANK-BATON ROUG
2121 AIRLINE DRIVE
METAIRIE, LA
70001
(866) 208-8288

REGIONAL ACCEPTANCE Bank -

Inquiry: Sep. 09, 2023 (919) 766-1388

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Institution Information
REGIONAL ACCEPTANCE
1424 E FIRE TOWER
GREENVILLE, NC
27858
(919) 766-1388

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JPMCB CARD SERVICES Bank -

Inquiry: Aug. 31, 2023 (800) 453-9719

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

ALLY CREDIT CARD Finance/Personal -

Inquiry: Dec. 15, 2022 (888) 366-2559

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Institution Information
ALLY CREDIT CARD
PO BOX 9222
OLD BETHPAGE, NY
11804
(888) 366-2559

ONEMAIN FINANCIAL Finance/Personal -

Inquiry: Nov. 10, 2022 (844) 298-9773

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Institution Information
ONEMAIN FINANCIAL
P.O. BOX 3327
EVANSVILLE, IN
47706
(844) 298-9773

HEIGHTS FINANCE CORP Finance/Personal -

Inquiry: Aug. 08, 2022 (866) 413-1836

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Institution Information
HEIGHTS FINANCE CORP
PO BOX 1947
GREENVILLE, SC
29602
(866) 413-1836

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 May. 21, 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 May. 21, 2024, you have no public records on your report.

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