Experian 7/7/23, 12:17 AM

Prepared For

ERIC L. MCWILLIAMS
Personal & con,dential

Date generated: Jul 7, 2023

At a glance

FICO® Score 8

758 TransUnion data Jul 7, 2023


300 850
Very Good

Account summary Overall credit usage Debt summary

Open accounts 11 Credit card and credit line debt $11,589

Accounts ever late 1 Loan debt $296,678

Closed accounts 16 Collections debt $0

Collections 0
27 % Total debt $308,267

Average account age 5 yrs 7 mos

Oldest account 9 yrs 11 mos

Credit used: $11,589

Credit limit: $42,390

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 1 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

Personal information

Name Addresses Employers

ERIC L MCWILLIAMS 8632 TODD ALLEN CREEK ST PENSION AND SOCIAL SECURITY
LAS VEGAS, NV 89178
Also known as RETIRED
MCWILLIAMS,ERIC,LEE 3055 CONSTABLE ST
LAS VEGAS, NV 89135
MCWILLIAM,ERIC,L
5301 TALBOT RD C101
ERIC,MCWILLIAMS RENTON, WA 98055

Generational identi,er
-

Year of birth
1950

Personal statements

No Statement(s) present at this time

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 2 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

Open accounts

AM HONDA FIN $2,841

Exceptional payment history Balance updated Jun 12, 2023

 Account info
Account name AM HONDA FIN Balance $2,841

Account number 451282XXX Balance updated Jun 12, 2023

Original creditor - Original balance $11,799

Company sold - Paid off 76%

Account type Installment account Monthly payment $355

Date opened Feb 24, 2021 Past due amount $0

Open/closed Open Terms 36 Months

Status Paid or paying as agreed Responsibility Individual account

Status updated Jun 2023 Your statement -

 Payment history

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

2023      — — — — — — —

2022            

2021 — —          

 On Time — Data Unavailable

 Contact info

Address PO BOX 168128 IRVING,

TX 75016

Phone number (800) 445-1358

 Comments

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 3 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

AMER FST CU $25,671

Exceptional payment history Balance updated May 31, 2023

 Account info

Account name AMER FST CU Balance $25,671

Account number 041003XXXXXXXXXXXX Balance updated May 31, 2023

Original creditor - Original balance $38,775

Company sold - Paid off 34%

Account type Installment account Monthly payment $535

Date opened Oct 05, 2020 Past due amount $0

Open/closed Open Terms 84 Months

Status Paid or paying as agreed Responsibility Joint account

Status updated May 2023 Your statement -

 Payment history

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

2023     — — — — — — — —

2022            

2021            

2020 — — — — — — — — —   

 On Time — Data Unavailable

 Contact info

Address 1344 W 4675 S RIVERDALE,

UT 84405

Phone number (801) 627-0900

 Comments

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 4 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

MACYS/CBNA $22

Exceptional payment history Balance updated Jun 07, 2023

 Account info

Account name MACYS/CBNA Balance $22

Account number 603534XXXXXX Balance updated Jun 07, 2023

Original creditor - Credit limit $2,000

Company sold - Credit usage 1%

Account type Revolving account Monthly payment $22

Date opened Jan 30, 2015 Past due amount $0

Open/closed Open Highest balance $1,596

Status Paid or paying as agreed Terms -

Status updated Jun 2023 Responsibility Authorized account

Your statement -

 Payment history

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

2023      — — — — — — —

2022            

2021            

2020            

2019 — — — — —       

 On Time — Data Unavailable

 Contact info

Address PO BOX 6789 SIOUX FALLS,

SD 57117

Phone number -

 Comments

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 5 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

MTN AMER CU $0

Exceptional payment history Balance updated Jul 01, 2023

 Account info

Account name MTN AMER CU Balance $0

Account number 105188XX Balance updated Jul 01, 2023

Original creditor - Credit limit $3,000

Company sold - Credit usage 0%

Account type Revolving account Monthly payment -

Date opened Mar 11, 2019 Past due amount $0

Open/closed Open Highest balance $3,014

Status Paid or paying as agreed Terms -

Status updated Jul 2023 Responsibility Joint account

Your statement -

 Payment history

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

2023       — — — — — —

2022            

2021            

2020            

2019 — — — — — —      

 On Time — Data Unavailable

 Contact info
Address 660 S 200 EAST SALT LAKE CITY,
UT 84111

Phone number (800) 748-4302

 Comments

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 6 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

R C WILLEY $0

Exceptional payment history Balance updated Oct 31, 2020

 Account info

Account name R C WILLEY Balance $0

Account number 21XXXX Balance updated Oct 31, 2020

Original creditor - Credit limit $2,000

Company sold - Credit usage 0%

Account type Revolving account Monthly payment -

Date opened Nov 01, 2017 Past due amount $0

Open/closed Open Highest balance $2,001

Status Paid or paying as agreed Terms -

Status updated Oct 2020 Responsibility Joint account

Your statement -

 Payment history

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

2020          — — —

2019            

2018            

2017 — — — — — — — — — —  

 On Time — Data Unavailable

 Contact info

Address 2301 S. 300 WEST SALT LAKE CITY,

UT 84115

Phone number (801) 461-3940

 Comments

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 7 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

SYNCB/AMAZON $2,507

Exceptional payment history Balance updated Jun 25, 2023

 Account info

Account name SYNCB/AMAZON Balance $2,507

Account number 604578XXXXXX Balance updated Jun 25, 2023

Original creditor - Credit limit $6,700

Company sold - Credit usage 37%

Account type Revolving account Monthly payment $74

Date opened Aug 25, 2016 Past due amount $0

Open/closed Open Highest balance $4,325

Status Paid or paying as agreed Terms -

Status updated Jun 2023 Responsibility Individual account

Your statement -

 Payment history

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

2023      — — — — — — —

2022            

2021            

2020            

2019 — — — — —       

 On Time — Data Unavailable

 Contact info
Address PO BOX 71737 PHILADELPHIA,
PA 19176

Phone number (866) 634-8379

 Comments

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 8 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

SYNCB/CARECR $0

Exceptional payment history Balance updated Jun 11, 2023

 Account info

Account name SYNCB/CARECR Balance $0

Account number 601918XXXXXX Balance updated Jun 11, 2023

Original creditor - Credit limit $6,840

Company sold - Credit usage 0%

Account type Revolving account Monthly payment -

Date opened Feb 09, 2016 Past due amount $0

Open/closed Open Highest balance $5,648

Status Paid or paying as agreed Terms -

Status updated Jun 2023 Responsibility Individual account

Your statement -

 Payment history

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

2023      — — — — — — —

2022            

2021            

2020            

2019 — — — — —       

 On Time — Data Unavailable

 Contact info
Address PO BOX 71757 PHILADELPHIA,
PA 19176

Phone number (866) 396-8254

 Comments

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 9 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

SYNCB/LIVSPC $6,709

Exceptional payment history Balance updated Jun 13, 2023

 Account info
Account name SYNCB/LIVSPC Balance $6,709

Account number 601919XXXXXX Balance updated Jun 13, 2023

Original creditor - Credit limit $7,550

Company sold - Credit usage 88%

Account type Revolving account Monthly payment $235

Date opened Mar 10, 2023 Past due amount $0

Open/closed Open Highest balance $7,549

Status Paid or paying as agreed Terms -

Status updated Jun 2023 Responsibility Joint account

Your statement -

 Payment history

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

2023 — —    — — — — — — —

 On Time — Data Unavailable

 Contact info
Address PO BOX 71757 PHILADELPHIA,
PA 19176

Phone number (866) 396-8254

 Comments

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 10 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

SYNCB/PPC $486

Exceptional payment history Balance updated Jun 28, 2023

 Account info
Account name SYNCB/PPC Balance $486

Account number 604419XXXXXX Balance updated Jun 28, 2023

Original creditor - Credit limit $3,300

Company sold - Credit usage 14%

Account type Revolving account Monthly payment $41

Date opened Feb 21, 2015 Past due amount $0

Open/closed Open Highest balance $999

Status Paid or paying as agreed Terms -

Status updated Jun 2023 Responsibility Individual account

Your statement -

 Payment history

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

2023      — — — — — — —

2022            

2021            

2020            

2019 — — — — —       

 On Time — Data Unavailable

 Contact info

Address PO BOX 71727 PHILADELPHIA,

PA 19176

Phone number (844) 373-4961

 Comments

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 11 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

WELLS FARGO $1,865

Exceptional payment history Balance updated Jun 12, 2023

 Account info
Account name WELLS FARGO Balance $1,865

Account number 446542XXXXXX Balance updated Jun 12, 2023

Original creditor - Credit limit $11,000

Company sold - Credit usage 16%

Account type Revolving account Monthly payment $46

Date opened Feb 22, 2018 Past due amount $0

Open/closed Open Highest balance $9,179

Status Paid or paying as agreed Terms -

Status updated Jun 2023 Responsibility Individual account

Your statement -

 Payment history

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

2023      — — — — — — —

2022            

2021            

2020            

2019 — — — — —       

 On Time — Data Unavailable

 Contact info

Address PO BOX 14517 DES MOINES,

IA 50306

Phone number (800) 462-4720

 Comments

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 12 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

WFHM $268,166

Exceptional payment history Balance updated Jun 13, 2023

 Account info
Account name WFHM Balance $268,166

Account number 936057XXXXXXX Balance updated Jun 13, 2023

Original creditor - Original balance $278,240

Company sold - Paid off 4%

Account type Mortgage account Monthly payment $1,600

Date opened Aug 13, 2021 Past due amount $0

Open/closed Open Terms 360 Months

Status Paid or paying as agreed Responsibility Joint account

Status updated Jun 2023 Your statement -

 Payment history

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

2023      — — — — — — —

2022            

2021 — — — — — — — — — — — 

 On Time — Data Unavailable

 Contact info
Address PO BOX 10335 DES MOINES,
IA 50306

Phone number (800) 416-1472

 Comments

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Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

Closed accounts

AMER HONDA $0

Exceptional payment history Closed

 Account info

Account name AMER HONDA Balance $0

Account number 189028XXX Balance updated Jun 25, 2018

Original creditor - Original balance $27,464

Company sold - Monthly payment -

Account type Installment account Past due amount $0

Date opened Mar 14, 2015 Terms 39 Months

Open/closed Closed Responsibility Joint account

Status Paid or paying as agreed Your statement -

Status updated Jun 2018

 Payment history

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

2018     — — — — — — — —

2017            

2016            

2015 — — —         

 On Time — Data Unavailable

 Contact info

Address PO BOX 168128 IRVING,

TX 75016

Phone number (800) 205-8235

 Comments
Closed

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Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

AQUA FINANCE $0

Exceptional payment history Closed

 Account info
Account name AQUA FINANCE Balance $0

Account number X4XXXX Balance updated Mar 31, 2020

Original creditor - Credit limit $6,000

Company sold - Monthly payment -

Account type Revolving account Past due amount $0

Date opened Oct 02, 2017 Highest balance $5,997

Open/closed Closed Terms -

Status Paid or paying as agreed Responsibility Joint account

Status updated Mar 2020 Your statement -

 Payment history

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

2020   — — — — — — — — — —

2019            

2018            

2017 — — — — — — — — —   

 On Time — Data Unavailable

 Contact info
Address 1 CORPORATE COVE SUITE 300 WAUSAU,
WI 54401

Phone number (715) 848-5425

 Comments
Account closed by consumer

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 15 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

BRCLYSBANKDE $0

Exceptional payment history Closed

 Account info
Account name BRCLYSBANKDE Balance $0

Account number 000306XXXXX Balance updated Jun 12, 2019

Original creditor - Credit limit $4,100

Company sold - Monthly payment -

Account type Revolving account Past due amount $0

Date opened Mar 20, 2018 Highest balance $1,629

Open/closed Closed Terms -

Status Paid or paying as agreed Responsibility Individual account

Status updated Jun 2019 Your statement -

 Payment history

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

2019      — — — — — — —

2018 — —          

 On Time — Data Unavailable

 Contact info
Address P.O. BOX 8803 WILMINGTON,
DE 19899

Phone number (888) 232-0780

 Comments
Inactive account

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Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

CAP ONE AUTO $0

Exceptional payment history Closed

 Account info
Account name CAP ONE AUTO Balance $0

Account number 620621XXXXXXXXXXX Balance updated Mar 19, 2015

Original creditor - Original balance $29,476

Company sold - Monthly payment -

Account type Installment account Past due amount $0

Date opened Aug 18, 2013 Terms 73 Months

Open/closed Closed Responsibility Joint account

Status Paid or paying as agreed Your statement -

Status updated Mar 2015

 Payment history

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

2015   — — — — — — — — — —

2014            

2013 — — — — — — —     

 On Time — Data Unavailable

 Contact info
Address CREDIT BUREAU DISPUTE PO BOX 259407
PLANO,
TX 75025

Phone number (800) 946-0332

 Comments
Closed

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 17 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

CAPITAL ONE $0

Exceptional payment history Closed

 Account info
Account name CAPITAL ONE Balance $0

Account number 517805XXXXXX Balance updated Oct 23, 2020

Original creditor - Credit limit $300

Company sold - Monthly payment -

Account type Revolving account Past due amount $0

Date opened May 25, 2019 Highest balance $0

Open/closed Closed Terms -

Status Paid or paying as agreed Responsibility Individual account

Status updated Oct 2020 Your statement -

 Payment history

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

2020          — — —

2019 — — — — —       

 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

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 18 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

CB/PIER1 $0

2 late payments Closed

 Account info
Account name CB/PIER1 Balance $0

Account number 778830XXXXXX Balance updated Mar 27, 2021

Original creditor - Credit limit $1,750

Company sold - Monthly payment -

Account type Revolving account Past due amount $0

Date opened Jan 30, 2016 Highest balance $620

Open/closed Closed Terms -

Status Paid or paying as agreed Responsibility Individual account

Status updated Mar 2021 Your statement -

 Payment history

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

2021   — — — — — — — — — —

2020            

2019     30  30     

2018            

2017 — —          

 On Time 30 30 Days Late

— Data Unavailable

 Contact info
Address PO BOX 182789 COLUMBUS,
OH 43218

Phone number -

 Comments
Canceled by credit grantor

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 19 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

CCB/BLAIR $0

Exceptional payment history Closed

 Account info
Account name CCB/BLAIR Balance $0

Account number 578098XXXXXX Balance updated Apr 25, 2020

Original creditor - Credit limit $250

Company sold - Monthly payment -

Account type Revolving account Past due amount $0

Date opened Aug 01, 2018 Highest balance $0

Open/closed Closed Terms -

Status Paid or paying as agreed Responsibility Individual account

Status updated Apr 2020 Your statement -

 Payment history

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

2020    — — — — — — — — —

2019            

2018 — — — — — — —     

 On Time — Data Unavailable

 Contact info
Address PO BOX 182120 COLUMBUS,
OH 43218

Phone number -

 Comments
Canceled by credit grantor

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 20 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

CREDITONEBNK $0

Exceptional payment history Closed

 Account info
Account name CREDITONEBNK Balance $0

Account number 444796XXXXXX Balance updated May 08, 2023

Original creditor - Credit limit $1,500

Company sold - Monthly payment -

Account type Revolving account Past due amount $0

Date opened Feb 17, 2016 Highest balance $1,554

Open/closed Closed Terms -

Status Paid or paying as agreed Responsibility Individual account

Status updated May 2023 Your statement -

 Payment history

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

2023     — — — — — — — —

2022            

2021            

2020            

2019 — — — —        

 On Time — Data Unavailable

 Contact info

Address PO BOX 98872 LAS VEGAS,

NV 89193

Phone number (877) 825-3242

 Comments
Canceled by credit grantor

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 21 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

HM AM MTG CO $0

Exceptional payment history Closed

 Account info
Account name HM AM MTG CO Balance $0

Account number 921279X Balance updated Sep 27, 2017

Original creditor - Original balance $292,531

Company sold - Monthly payment -

Account type Mortgage account Past due amount $0

Date opened Aug 29, 2017 Terms 360 Months

Open/closed Closed Responsibility Joint account

Status Paid or paying as agreed Your statement -

Status updated Sep 2017

 Payment history

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

2017 — — — — — — —  — — — —

 On Time — Data Unavailable

 Contact info
Address 3600 S YOSEMITE ST 700 DENVER,
CO 80237

Phone number (303) 773-1155

 Comments
Purchased by another lender

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Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

LINCOLN AFS $0

Exceptional payment history Closed

 Account info

Account name LINCOLN AFS Balance $0

Account number 559166XX Balance updated Feb 06, 2021

Original creditor - Original balance $17,313

Company sold - Monthly payment -

Account type Installment account Past due amount $0

Date opened Jan 16, 2018 Terms 36 Months

Open/closed Closed Responsibility Joint account

Status Paid or paying as agreed Your statement -

Status updated Feb 2021

 Payment history

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

2021 — — — — — — — — — — — —

2020            

2019            

2018            

 On Time — Data Unavailable

 Contact info

Address POB 54200 OMAHA,

NE 68154

Phone number (888) 498-8801

 Comments
Closed

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 23 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

MTN AMER CU $0

Exceptional payment history Closed

 Account info
Account name MTN AMER CU Balance $0

Account number 105188XX Balance updated Sep 01, 2021

Original creditor - Credit limit $35,000

Company sold - Monthly payment -

Account type Overdraft / reserve checking account Past due amount $0

Date opened Mar 04, 2019 Highest balance $35,000

Open/closed Closed Terms -

Status Paid or paying as agreed Responsibility Joint account

Status updated Sep 2021 Your statement -

 Payment history

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

2021         — — — —

2020            

2019 — — —         

 On Time — Data Unavailable

 Contact info
Address 660 S 200 EAST SALT LAKE CITY,
UT 84111

Phone number (800) 748-4302

 Comments
Principal deferred/interest payment only

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 24 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

MTN AMER CU $0

Exceptional payment history Closed

 Account info
Account name MTN AMER CU Balance $0

Account number 108735XXXXXX Balance updated Mar 08, 2019

Original creditor - Original balance $15,000

Company sold - Monthly payment -

Account type Installment account Past due amount $0

Date opened Sep 01, 2017 Terms 60 Months

Open/closed Closed Responsibility Joint account

Status Paid or paying as agreed Your statement -

Status updated Mar 2019

 Payment history

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

2019   — — — — — — — — — —

2018            

2017 — — — — — — — — —   

 On Time — Data Unavailable

 Contact info

Address 660 S 200 EAST SALT LAKE CITY,

UT 84111

Phone number (800) 748-4302

 Comments
Closed

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 25 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

PENNYMAC $0

Exceptional payment history Closed

 Account info

Account name PENNYMAC Balance $0

Account number SSE001XXXXXXXXXX Balance updated Aug 13, 2021

Original creditor - Original balance $292,531

Company sold - Monthly payment -

Account type Mortgage account Past due amount $0

Date opened Aug 29, 2017 Terms 360 Months

Open/closed Closed Responsibility Joint account

Status Paid or paying as agreed Your statement -

Status updated Aug 2021

 Payment history

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

2021        — — — — —

2020            

2019            

2018            

2017 — — — — — — — — —   

 On Time — Data Unavailable

 Contact info

Address PO BOX 514387 LOS ANGELES,

CA 90051

Phone number (866) 545-9070

 Comments
Closed

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 26 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

SYNCB/CCDSTR $0

Exceptional payment history Closed

 Account info

Account name SYNCB/CCDSTR Balance $0

Account number 650159XXXXXX Balance updated Aug 10, 2022

Original creditor - Credit limit $2,000

Company sold - Monthly payment -

Account type Revolving account Past due amount $0

Date opened May 12, 2021 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        — — — — —

2021 — — — —        

 On Time — Data Unavailable

 Contact info
Address PO BOX 71757 PHILADELPHIA,
PA 19176

Phone number (866) 657-0376

 Comments
Inactive account

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 27 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

SYNCB/NETWRK $0

Exceptional payment history Closed

 Account info

Account name SYNCB/NETWRK Balance $0

Account number 650172XXXXXX Balance updated Feb 02, 2023

Original creditor - Credit limit $1,500

Company sold - Monthly payment -

Account type Revolving account Past due amount $0

Date opened May 17, 2017 Highest balance $6,999

Open/closed Closed Terms -

Status Paid or paying as agreed Responsibility Joint account

Status updated Feb 2023 Your statement -

 Payment history

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

2023  — — — — — — — — — — —

2022            

2021            

2020            

2019 —           

 On Time — Data Unavailable

 Contact info

Address PO BOX 71757 PHILADELPHIA,

PA 19176

Phone number (866) 396-8254

 Comments
Inactive account

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 28 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

WSECU $0

Exceptional payment history Closed

 Account info

Account name WSECU Balance $0

Account number 639975XXXXX Balance updated Aug 28, 2017

Original creditor - Original balance $34,461

Company sold - Monthly payment -

Account type Installment account Past due amount $0

Date opened Mar 14, 2015 Terms 72 Months

Open/closed Closed Responsibility Joint account

Status Paid or paying as agreed Your statement -

Status updated Aug 2017

 Payment history

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

2017        — — — — —

2016            

2015 — —          

 On Time — Data Unavailable

 Contact info

Address PO BOX WSECU W SUITE D OLYMPIA,

WA 98507

Phone number (800) 562-0999

 Comments
Closed

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 29 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

Collection accounts

No collection accounts reported.

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 30 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

Public records

No public records reported.

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 31 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

Inquiries

SYNCB

Inquired on Mar 10, 2023

Business Type: Finance, personal

PO BOX 71724

PHILADELPHIA, PA 19176

(800) 924-2927

This inquiry is scheduled to continue on record until Apr 2025

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 32 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

Credit scores

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 33 of 35
Experian 7/7/23, 12:17 AM

FICO® Score 8

Go o d Ve
r
74 y G
0- o
r
ai 79

od
F

9
758
Your score is above the average of U.S. consumers and demonstrates to lenders that you are a very
dependable borrower.

Ex
cep
Poor

tional
300 850

TransUnion data 7/7/2023

What's helping
 No serious delinquency

There is no evidence of a serious delinquency (90 days past due or greater) or derogatory indicator on your credit report.

Number of your accounts that were ever 90 days late or worse: 0 accounts

Virtually no FICO High Achievers have a 90 days late payment or worse listed on their credit report.

The presence of delinquencies or derogatory indicator in a credit report is a powerful predictor of future payment risk. People with no previous late payments are much more likely to pay on time in the
future.

 Bills paid on time recently

You've recently been paying your bills on time.

Your most recent missed payment happened: 4 Years ago

About 98% of FICO High Achievers have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average.

While you have missed payments in the past, you have recently been paying your bills on time. Staying current and paying bills on time demonstrates lower risk.

 Recent revolving account usage

You've shown recent use of revolving and/or open-ended accounts.

FICO® Scores evaluate the mix of revolving credit, installment loans and mortgages. People who demonstrate recent and responsible use of revolving credit and/or open-ended accounts are generally
considered less risky to lenders.

What's hurting
 Bad payment history

You have one or more accounts showing missed payments or derogatory indicators.

Number of your accounts with a missed payment or derogatory indicator: 1 account

About 98% of FICO High Achievers have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average.

The presence of missed and late payments or derogatory indicators on a credit report, including the number of late payments, how late they were and how recently they occurred, are correlated with future
credit risk. Your FICO® Score was lowered due to the number of missed and late payments and/or accounts with derogatory indicators reported. As the number of accounts with delinquency or
derogatory indicators decreases, they have less impact on a FICO® Score.

 High credit usage

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

Ratio of your revolving balances to your credit limits: 30%

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.

https://www.freecreditreport.com/c/mfe/member/printable-report/transunion/202307070715123300 Page 34 of 35
Experian 7/7/23, 12:17 AM

Prepared For ERIC L. MCWILLIAMS Date generated: Jul 7, 2023

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 ,le 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-speci,c 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-speci,c FICO®
Score models.

Base FICO® Scores (including the FICO® Score 8) range from 300 to 850. Industry-speci,c 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 bene,ts 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-
speci,c FICO® Scores provided by us, or different scoring models to determine how you score.

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