12/24/24, 2:20 PM Experian

Prepared For

MATHEW A. RONQUILLO
Personal & confidential
Date generated: Dec 24, 2024

At a glance

FICO® Score 8


479 TransUnion data Dec 24, 2024

300 850
Poor

Account summary Overall credit usage Debt summary

Open accounts 2 Credit card and credit line debt $0
Accounts ever late 8 Loan debt $18,221

Closed accounts 0 0% Collections debt $8,016

Collections 5 Total debt $26,237
Average 5 yrs 5 mos
account age
Oldest account 8 yrs 6 mos
Credit used: $0

Credit limit: $0

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12/24/24, 2:20 PM Experian

Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

Personal information

Name Addresses Employers

MATHEW A RONQUILLO 941 WALNUT ST J APPLEBEES
LA HABRA, CA 90631
Also known as ZOES CAFE
- 620 KAMIAKEN ST 303C
PULLMAN, WA 99163
Generational identifier
- 1897 WHITE AV 3J
MOSCOW, ID 83843
Year of birth
1992

Personal statements
No Statement(s) present at this time

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12/24/24, 2:20 PM Experian

Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

Open accounts

CHIME-STRIDE $0

Exceptional payment history Balance updated Dec 04, 2024

 Account info
Account name CHIME-STRIDE Balance $0
Account number 351932XXXXX Balance updated Dec 04, 2024
Original creditor - Credit limit -
Company sold - Credit usage -
Account type Open account Monthly payment -
Date opened Oct 31, 2024 Past due amount $0

Open/closed Open Highest balance $0

Status Paid or paying as agreed Terms -
Status updated Dec 2024 Responsibility Individual account
Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - - - -  -

 On Time - Data Unavailable

 Contact info
Address PO BOX 417 SAN
FRANCISCO,
CA 94104
Phone number (844) 244-6363

 Comments
-

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Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

FAMILY LA CO $18,221

37 late payments Balance updated Nov 30, 2024

 Account info
Account name FAMILY LA CO Balance $18,221
Account number 200000XXXXX Balance updated Nov 30, 2024
Original creditor - Original balance $0
Company sold - Monthly payment -
Account type Open account Last Payment Date Apr 21, 2022
Date opened Nov 01, 2016 Past due amount $18,221

Open/closed Open Terms -

Status 120 days past due Responsibility Individual account
Status updated Nov 2024 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 120 120 120 120 120 120 120 120 120 120 - -
2023 120 120 120 120 120 120 120 120 120 120 120 120
2022 120 120 120    30 60 90 120 120 120
2021       30 60 90 120 120 120
2020 - - - - - - - - - -  

 On Time 30 30 Days Late 60 60 Days Late

90 90 Days Late 120 120+ Days Late - Data Unavailable

 Contact info
Address 5770 S EASTERN AVE
COMMERCE,
CA 90040
Phone number (866) 901-3212

 Comments
-

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Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

Closed accounts
CAPITAL ONE $0

Exceptional payment history Closed

 Account info
Account name CAPITAL ONE Balance $0
Account number 517805XXXXXX Balance updated Aug 13, 2022

Original creditor - Credit limit $1,000

Company sold - Monthly payment -
Account type Revolving account Past due amount $0
Date opened Jun 18, 2022 Highest balance $0
Open/closed Closed Terms -
Status Paid or paying as agreed Responsibility Individual account
Status updated Aug 2022 Your statement -

 Payment history

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

 On Time - Data Unavailable

 Contact info
Address PO BOX 31293 SALT LAKE
CITY,
UT 84131
Phone number (800) 955-7070

 Comments
Canceled by credit grantor

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Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

HARLEY DAVID $21,046

Unknown payment history Closed

 Account info
Account name HARLEY DAVID Balance $21,046
Account number 201705XXXXXXXX Balance updated Nov 03, 2024
Original creditor - Original balance $19,804
Company sold - Monthly payment -
Account type Installment account Last Payment Date Dec 07, 2017
Date opened Apr 19, 2017 Past due amount $21,046
Open/closed Closed Terms 72 Months
Status Charged off as bad debt Responsibility Joint account

Status updated Nov 2024 Your statement -

 Payment history
No payment history available to display.

 Contact info
Address 3850 ARROWHEAD DRIVE
CARSON CITY,
NV 89706
Phone number (702) 884-4466

 Comments
Profit and loss writeoff

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Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

KIKOFF LEND $0

Exceptional payment history Closed

 Account info
Account name KIKOFF LEND Balance $0
Account number O6H24PXX Balance updated Jul 10, 2022
Original creditor - Original balance $120
Company sold - Monthly payment -
Account type Installment account Last Payment Date Jul 10, 2022
Date opened Mar 10, 2022 Past due amount $0
Open/closed Closed Terms 12 Months
Status 90 days past due Responsibility Individual account
Status updated Jul 2022 Your statement -

 Payment history

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

 On Time - Data Unavailable

 Contact info
Address 75 BROADWAY SUITE 202
SAN FRANCISCO,
CA 94111
Phone number (415) 361-4040

 Comments
Account paid from collateral

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Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

POTLATCH #1 $0

Exceptional payment history Closed

 Account info
Account name POTLATCH #1 Balance $0
Account number 142773XXXX Balance updated Dec 23, 2017
Original creditor - Original balance $1,200
Company sold - Monthly payment -
Account type Installment account Last Payment Date Dec 23, 2017
Date opened Jun 07, 2016 Past due amount $0
Open/closed Closed Terms 24 Months
Status Paid or paying as agreed Responsibility Joint account
Status updated Dec 2017 Your statement -

 Payment history

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

 On Time - Data Unavailable

 Contact info
Address 1025 WARNER AVE
LEWISTON,
ID 83501
Phone number (208) 746-8900

 Comments
Closed

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12/24/24, 2:20 PM Experian

Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

POTLATCH #1 $0

Exceptional payment history Closed

 Account info
Account name POTLATCH #1 Balance $0
Account number 142773XXXX Balance updated Dec 23, 2017
Original creditor - Original balance $19,035
Company sold - Monthly payment -
Account type Installment account Last Payment Date Dec 23, 2017
Date opened Jun 20, 2016 Past due amount $0
Open/closed Closed Terms 84 Months
Status Paid or paying as agreed Responsibility Joint account
Status updated Dec 2017 Your statement -

 Payment history

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

 On Time - Data Unavailable

 Contact info
Address 1025 WARNER AVE
LEWISTON,
ID 83501
Phone number (208) 746-8900

 Comments
Closed

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12/24/24, 2:20 PM Experian

Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

Collection accounts
CB LWSTN CLR $490

Original creditor: 05 COUGARS CLOSET MINI STORAGE Balance updated Dec 04, 2024

 Account info
Account name CB LWSTN CLR Balance $490
Account number 303206XXXXXXXXXX Balance updated Dec 04, 2024
Original creditor 05 COUGARS CLOSET MINI STORAGE Paid off 0%
Company sold - Monthly payment -
Account type Open account Past due amount -
Date opened Apr 17, 2020 Terms -
Status - Responsibility Individual account
Status updated Dec 2024 Your statement -

 Payment history
No payment history available to display.

 Contact info
Address 1324 IDAHO ST LEWISTON,
ID 83501
Phone number -

 Comments
Placed for collection

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Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

CONSUMER ADJ $1,468

Original creditor: 12 CASHNETUSA Balance updated Dec 03, 2024

 Account info
Account name CONSUMER ADJ Balance $1,468

Account number 193396XX Balance updated Dec 03, 2024

Original creditor 12 CASHNETUSA Paid off 0%
Company sold - Monthly payment -
Account type Open account Past due amount -
Date opened Apr 30, 2024 Terms -
Status - Responsibility Individual account
Status updated Dec 2024 Your statement -

 Payment history
No payment history available to display.

 Contact info
Address 12855 TESSON FERRY
ROAD STE 200 ST. LOUIS,
MO 63128
Phone number (866) 738-5910

 Comments
Placed for collection

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Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

JEFFCAPSYS $4,050

Original creditor: 12 SPRINT Balance updated Nov 22, 2024

 Account info
Account name JEFFCAPSYS Balance $4,050

Account number 376792XXXXXXX Balance updated Nov 22, 2024

Original creditor 12 SPRINT Paid off 0%

Company sold - Monthly payment -

Account type Open account Past due amount -

Date opened Dec 07, 2023 Terms -

Status - Responsibility Individual account

Status updated Nov 2024 Your statement -

 Payment history
No payment history available to display.

 Contact info
Address 200 14TH AVENUE EAST
SARTELL,
MN 56377
Phone number (866) 219-0725

 Comments
Placed for collection

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Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

JEFFCAPSYS $1,196

Original creditor: 12 VERIZON WIRELESS Balance updated Nov 22, 2024

 Account info
Account name JEFFCAPSYS Balance $1,196

Account number 363138XXXXXXX Balance updated Nov 22, 2024

Original creditor 12 VERIZON WIRELESS Paid off 0%

Company sold - Monthly payment -

Account type Open account Past due amount -

Date opened Dec 20, 2021 Terms -

Status - Responsibility Individual account

Status updated Nov 2024 Your statement -

 Payment history
No payment history available to display.

 Contact info
Address 200 14TH AVENUE EAST
SARTELL,
MN 56377
Phone number (866) 219-0725

 Comments
Placed for collection

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Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

RESURGERECVE $812

Original creditor: 12 CREDIT ONE BANK N A Balance updated Dec 03, 2024

 Account info
Account name RESURGERECVE Balance $812

Account number 444796XXXXXXXXXX Balance updated Dec 03, 2024

Original creditor 12 CREDIT ONE BANK N A Paid off 0%

Company sold - Monthly payment -

Account type Open account Past due amount -

Date opened Sep 16, 2022 Terms -

Status - Responsibility Individual account

Status updated Dec 2024 Your statement -

 Payment history
No payment history available to display.

 Contact info
Address PO BOX 1269 GREENVILLE,
SC 29602

Phone number (866) 464-1183

 Comments
Placed for collection

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Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

Public records
No public records reported.

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12/24/24, 2:20 PM Experian

Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

Inquiries

CAPITAL ONE CAPITAL ONE CB INDIGO

Inquired on Dec 22, 2023 Inquired on Apr 9, 2023 Inquired on Jul 2, 2024

Business Type: Banks and S&Ls Business Type: Banks and S&Ls Business Type: Banks and S&Ls

15000 CAPITAL ONE 15000 CAPITAL ONE PO BOX 4499

RICHMOND, VA 23238 RICHMOND, VA 23238 BEAVERTON, OR 97076

(800) 955-7070 (800) 955-7070 (800) 353-5920

This inquiry is scheduled to continue on This inquiry is scheduled to continue on This inquiry is scheduled to continue on
record until Jan 2026 record until May 2025 record until Aug 2026

FEB/DESTINY
Inquired on May 11, 2024

Business Type: Banks and S&Ls

PO BOX 4499

BEAVERTON, OR 97076

(800) 583-5698

This inquiry is scheduled to continue on

record until Jun 2026

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12/24/24, 2:20 PM Experian

Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

Credit scores

FICO® Score 8

Go od
Ve
ry
ir Go
Fa od

479
Ex Your score is well below the average score of U.S. consumers and
5 79

demonstrates to lenders that you are a risky borrower.

3 0 0 - or

cep
Po

ti
o na l

300 850

TransUnion data 12/24/2024

What's hurting
 Negative items
You have a serious delinquency or derogatory indicator, public record and/or collection on your credit report.

Number of your accounts that were ever 60 days late or worse or have a derogatory indicator: 2 accounts

Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report.

Number of collections on your credit report: 5 collections

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

The presence of a serious delinquency or derogatory indicator and a derogatory public record (such as a bankruptcy) or collection is a powerful
predictor of 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. Most collections, public records and delinquencies stay on the report for no more than seven years - though there are certain items
that could remain longer. As these items age, they may have less impact on the FICO® Score. Satisfying the public record or paying off the collection will
not remove the item from a credit report. And it will still be considered by a FICO® Score as long as it is reported.

 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: 0 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.

 Lack of recent balances on accounts

There are no recent balances on your non-mortgage accounts.

People who demonstrate responsible use of different types of credit are generally less risky to lenders. Your credit report shows no recent balances on
non-mortgage accounts.

 Short revolving history

You have not established a long revolving and/or open-ended account credit history.

Your first revolving and/or open-ended account was opened: 2 Years, 6 Months ago

FICO High Achievers opened their first revolving and/or open-ended account 25 years ago, on average.

People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest revolving
and/or open-ended account and/or the average age of your revolving and/or open-ended accounts is relatively low.

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Prepared For MATHEW A. RONQUILLO Date generated: Dec 24, 2024

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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