850score-43978 (2 Credit Report2
850score-43978 (2 Credit Report2
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Prepared For
MATTHEW LITTLE
Personal & Confidential
Date Generated
Jul 15, 2023
Report Number
1108-0657-91
Personal Information
Because your personal information is reported by you, your creditors, and other sources, it's typical to see small variations in reported personal information, like
names and addresses. For security reasons, many of these items can't be disputed online, but don't worry—they don't affect your credit score.
Names
172 CAMBRIDGE RD 115 HALE CT 918 BAYRIDGE DR 624 PEBBLE PLACE DR APTB
DELAWARE OH, 43015-4011 DELAWARE OH, 43015-3324 LEWIS CENTER OH, 43035-9565 DELAWARE OH, 43015-4202
555 WILLIS LN 1755 OXFORD RD 817 FOREST HILLS BLVD 1165 HALE COURT
DELAWARE OH, 43015-1137 MARION OH, 43302-7811 RICHMOND IN, 47374-6681 DELAWARE OH, 43015
Address ID #0091613088 Address ID #0092746927 Address ID #0346760569 Address ID #0902730290
Single family Single family Single family Single family
Social Security Numbers Only variations from the number you provided to us are displayed.
XXX-XX-5119
Year of Birth
1983
Phone Numbers
Spouse or Co-Applicant
KERA
Employers
Accounts
Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors.
AFFIRM INC
Account Info
Account Name AFFIRM INC Balance -
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 CLS — — — — — —
2018 — — — — — —
Contact Info
Address 650 CALIFORNIA ST FL 12,
SAN FRANCISCO CA 94108
Phone Number (855) 423-3729
BEST BUY/CBNA
Account Info
Account Name BEST BUY/CBNA Balance -
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020 CLS — — — — — — — — — — —
2019
2018
Contact Info
Address PO BOX 6497,
SIOUX FALLS SD 57117
Phone Number (888) 237-8289
Comment
Current:
Previous:
None
CAP1/MNRDS
Account Info
Account Name CAP1/MNRDS Balance -
Account Number 600430XXXXXXXXXX Balance Updated -
Account Type Charge Card Recent Payment -
Responsibility Individual Monthly Payment -
Date Opened 07/06/2013 Credit Limit $5,000
Status Paid, Closed/Never late. Highest Balance $324
Status Updated May 2020 Terms -
On Record Until May 2030
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020 CLS — — — — — — —
2019
2018
2017
2016
2015
2014
2013 — — — — — —
Contact Info
Address PO BOX 31293,
SALT LAKE CITY UT 84131
Phone Number (800) 695-6950
Comment
Current:
Previous:
None
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 — — — — — — —
2022
2021 — — — — — — — — —
Balance Histories
Additional info
The original amount of this account was $18,642
Contact Info
Address PO BOX 259407,
PLANO TX 75025
Phone Number (800) 946-0332
Account Info
Account Name FIFTH THIRD BANK Balance -
Account Number 546700XXXXXXXXXX Balance Updated -
Account Type Credit card Recent Payment -
Responsibility Individual Monthly Payment -
Date Opened 11/09/2006 Credit Limit $1,000
Status Paid, Closed/Never late. Highest Balance $0
Status Updated Nov 2013 Terms -
On Record Until Nov 2023
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2013 CLS —
2012
2011
2010
2009
2008
2007
2006 — — — — — — — — — — —
Contact Info
Address 5050 KINGSLEY DR,
CINCINNATI OH 45227
Phone Number (800) 972-3030
Comment
Current:
Previous:
None
Account Info
Account Name FIFTH THIRD BANK Balance -
Account Number 88887XXXX Balance Updated -
Account Type Auto Loan Recent Payment -
Responsibility Joint with KERA LITTLE Monthly Payment -
Date Opened 06/10/2019 Original Balance $12,742
Status Paid, Closed/Never late. Highest Balance -
Terms 63 Months
Status Updated Nov 2021 On Record Until Nov 2031
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021 ND CLS —
2020
2019 — — — — —
Balance Histories
Additional info
The original amount of this account was $12,742
Contact Info
Address 5050 KINGSLEY DR,
CINCINNATI OH 45227
Phone Number (800) 972-3030
Account Info
Account Name FIRST FEDERAL COMMUNITY Balance -
Account Number 70045XXXX Balance Updated -
Account Type Mortgage Recent Payment -
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020 — — — — CLS — — — — — —
Contact Info
Address 119 S SANDUSKY AVE,
BUCYRUS OH 44820
Phone Number (419) 562-7055
Account Info
Account Name FREEDOM MORTGAGE CORP Balance $177,152
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 — — — — — — —
2022 — — — —
Balance Histories
Additional info
The original amount of this account was $189,000
Contact Info
Address 951 W YAMATO RD STE 175,
BOCA RATON FL 33431
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022 CLS — — — — — — —
2021
2020 — — — — — —
Balance Histories
Additional info
The original amount of this account was $189,000
Contact Info
Address 11511 LUNA RD STE 200,
FARMERS BRANCH TX 75234
Comment
Current:
Previous:
None
JPMCB CARD
Account Info
Account Name JPMCB CARD Balance $1,351
Account Number 414720XXXXXXXXXX Balance Updated 06/21/2023
Account Type Credit Card Recent Payment -
Responsibility Individual Monthly Payment $40
Date Opened 10/14/2008 Credit Limit $10,000
Status Open/Never late. Highest Balance $5,974
Status Updated June 2023 Terms -
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 — — — — — —
2022
2021
2020
2019
2018
2017
2016 — — — — — —
Balance Histories
Additional info
Between Jul 2021 and May 2023, your credit limit/high balance was $10,000
Contact Info
Address PO BOX 15369,
WILMINGTON DE 19850
Phone Number (800) 945-2000
JPMCB CARD
Account Info
Account Name JPMCB CARD Balance $1,116
Account Number 464018XXXXXXXXXX Balance Updated 07/07/2023
Account Type Credit Card Recent Payment -
Responsibility Individual Monthly Payment $75
Date Opened 03/08/2008 Credit Limit $10,000
Status Open/Never late. Highest Balance $2,020
Status Updated Jul 2023 Terms -
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 — — — — —
2022
2021
2020
2019
2018
2017
2016 — — — — — — —
Current / Terms met
Balance Histories
Additional info
Between Aug 2021 and Jun 2023, your credit limit/high balance was $10,000
Between Jul 2021 and Jul 2021, your credit limit/high balance was $2,000
Contact Info
Address PO BOX 15369,
WILMINGTON DE 19850
Phone Number (800) 945-2000
KOHLS/CAPONE
Account Info
Account Name KOHLS/CAPONE Balance -
Account Number 639305XXXXXXXXXX Balance Updated -
Account Type Charge Card Recent Payment -
Responsibility Individual Monthly Payment -
Date Opened 12/19/2011 Credit Limit $1,000
Status Paid, Closed/Never late. Highest Balance $179
Status Updated Feb 2019 Terms -
On Record Until Feb 2029
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 CLS — — — — — — — — — —
2018
2017
2016
2015
2014
2013
2012 — —
Contact Info
Address PO BOX 3115,
MILWAUKEE WI 53201
Phone Number (800) 564-5740
Comment
Current:
Previous:
None
NATIONSTAR MORTGAGE
Account Info
Account Name NATIONSTAR MORTGAGE Balance -
Account Number 25140XXXX Balance Updated -
Account Type FHA Mortgage Recent Payment -
Responsibility Joint with KERA L LITTLE Monthly Payment -
Date Opened 08/02/2012 Original Balance $131,081
Status Paid, Closed/Never late. Highest Balance -
Status Updated May 2020 Terms 30 Years
On Record Until May 2030
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020 CLS — — — — — — —
2019
2018
2017
2016
2015
2014
2013 — — — — —
Contact Info
Address 8950 CYPRESS WATERS BLVD,
COPPELL TX 75019
Phone Number (888) 480-2432
SYNCB/HOME
Account Info
Account Name SYNCB/HOME Balance -
Account Number 601917XXXXXXXXXX Balance Updated -
Account Type Charge Card Recent Payment -
Responsibility Individual Monthly Payment -
Date Opened 02/16/2009 Credit Limit $3,500
Status Paid, Closed/Never late. Highest Balance $3,400
Status Updated Dec 2016 Terms -
On Record Until Dec 2026
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016 CLS
2015
2014
2013
2012
2011
2010
Contact Info
Address C/O P O BOX 965036,
ORLANDO FL 32896
Phone Number (866) 396-8254
Comment
Current:
Previous:
None
SYNCB/JCPENNEY
Account Info
Account Name SYNCB/JCPENNEY Balance -
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2014 CLS — — — —
2013
2012
2011
2010 — — — — — —
Contact Info
Address PO BOX 965007,
ORLANDO FL 32896
Phone Number (800) 542-0800
SYNCB/LOWES
Account Info
Account Name SYNCB/LOWES Balance -
Account Number 798192XXXXXXXXXX Balance Updated -
Account Type Charge Card Recent Payment -
Responsibility Individual Monthly Payment -
Date Opened 05/11/2014 Credit Limit $1,500
Status Paid, Closed/Never late. Highest Balance $806
Status Updated Jul 2018 Terms -
On Record Until Jul 2028
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2018 CLS — — — — —
2017
2016
2015
2014 — — — —
Contact Info
Address PO BOX 965005,
ORLANDO FL 32896
Phone Number (800) 444-1408
Comment
Current:
Previous:
None
SYNCB/MC
Account Info
Account Name SYNCB/MC Balance -
Account Number 524363XXXXXXXXXX Balance Updated -
Account Type Credit card Recent Payment -
Responsibility Individual Monthly Payment -
Date Opened 04/10/2015 Credit Limit $1,024
Status Paid, Closed/Never late. Highest Balance $418
Status Updated June 2017 Terms -
On Record Until Jun 2027
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2017 CLS — — — — — —
2016
2015 — — —
Contact Info
Address PO BOX 965005,
ORLANDO FL 32896
Phone Number (844) 406-7427
Comment
Current:
Previous:
None
SYNCB/OLDNAVYDC
Account Info
Account Name SYNCB/OLDNAVYDC Balance -
Account Number 447995XXXXXXXXXX Balance Updated -
Account Type Credit card Recent Payment -
Responsibility Individual Monthly Payment -
Date Opened 05/25/2014 Credit Limit $1,024
Status Paid, Closed/Never late. Highest Balance $84
Status Updated Oct 2019 Terms -
On Record Until Oct 2029
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 CLS — —
2018
2017
2016
2015
2014 — — — —
Contact Info
Address PO BOX 965005,
ORLANDO FL 32896
Phone Number (877) 222-6868
Comment
Current:
Previous:
None
Account Info
Account Name UNITED FEDERAL CREDIT UN Balance -
Account Number 171177XXXX Balance Updated -
Account Type Auto Loan Recent Payment -
Responsibility Joint with KERA L MOORE Monthly Payment -
Date Opened 04/15/2010 Original Balance $9,323
Status Paid, Closed/Never late. Highest Balance -
Terms 60 Months
Status Updated May 2015 On Record Until May 2025
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2015 CLS — — — — — — —
2014
2013
2012
2011
2010 — — —
Contact Info
Address 150 HILLTOP RD,
SAINT JOSEPH MI 49085
Phone Number (269) 982-1400
WFFNB/PREFERRED CUSTOMER
Account Info
Account Name WFFNB/PREFERRED CUSTOMER Balance -
Account Number 577442XXXXXXXXXX Balance Updated -
Account Type Charge Card Recent Payment -
Responsibility Joint with KERA L LITTLE Monthly Payment -
Date Opened 04/27/2013 Credit Limit $6,800
Status Paid, Closed/Never late. Highest Balance $3,021
Status Updated May 2017 Terms -
On Record Until May 2027
Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2017 CLS — — — — — — —
2016
2015
2014
2013 — — — —
Contact Info
Address PO BOX 14517,
DES MOINES IA 50306
Phone Number (800) 642-4720
Comment
Current:
Previous:
None
Public Records
Information gathered from courts or other government agencies about legal matters associated with you. The most common Public Records are bankruptcies,
tax liens, and monetary judgments.
Hard Inquiries
Hard inquiries are requests for your consumer information based on an action or process initiated by you generally related to a credit or other monetary
obligation, such as when you apply for credit, rental property, or utility service, or default on a loan causing it to be sent to a collection agency. Hard inquiries are
displayed to companies that receive your consumer report and may stay on your report at least two years.
CAPITAL ONE AUTO FINANCE
Inquired on 09/29/2021
Auto loan. This inquiry is scheduled to continue on record until Oct 2023.
Soft Inquiries
Soft inquiries are generally initiated by others, like companies making promotional offers or lenders periodically reviewing your existing credit accounts. Soft
inquiries also include checking your own credit report or using credit monitoring services, and have no impact on your credit.
CAPITAL ONE CAPITAL ONE AUTO FIN PO# DISCOVER FINANCIAL SVCS EXPERIAN
Inquired on 05/11/2023 Inquired on 01/25/2023 Inquired on 02/16/2023, Inquired on 07/15/2023
02/13/2023, 02/03/2023,
15000 CAPITAL ONE DR, PO BOX 259407, 01/30/2023, 01/23/2023, 475 ANTON BLVD,
RICHMOND VA 23238 PLANO TX 75025 COSTA MESA CA 92626
01/16/2023, 01/09/2023,
(800) 946-0332 12/16/2022, 12/09/2022,
12/07/2022 and 11/22/2022
PO BOX 15157,
WILMINGTON DE 19850
(800) 347-2683
Important Messages
Medical Information
By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Although we do not generally
collect such information, it could appear in the name of a data furnisher (i.e., "Cancer Center") that reports your payment history to us. If so, those
names display on your report, but on reports to others they display only as "MEDICAL PAYMENT DATA." Consumer statements included on your report at
your request that contain medical information are disclosed to others.
Contact Experian
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny
your application for credit, insurance, or employment — or to take another adverse action against you — must tell you, and must give you the name,
address, and phone number of the agency that provided the information.
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency
(your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the
disclosure will be free. You are entitled to a free file disclosure if:
a person has taken adverse action against you because of information in your credit report;
you are the victim of identity theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide
specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.
You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you
will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it
to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an
explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable
information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has
verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative
information that is more than seven years old, or bankruptcies that are more than 10 years old.
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need — usually to consider an
application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your
employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.
For more information, go to www.consumerfinance.gov/learnmore.
You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for
credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are
based on. You may opt-out with the nationwide credit bureaus at 1 888 5OPTOUT (1 888 567 8688).
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a
consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights. For more Information, visit www.consumerfinance.gov/learnmore.
You have a right to place a 'security freeze' on your credit report, which will prohibit a consumer reporting agency from releasing information in your
credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name
without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial
information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a
new loan, credit, mortgage, or any other account involving the extension of credit.
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-
year alert that is placed on a consumer's credit file. Upon seeing a fraud alert display on a consumer's credit file, a business is required to take steps to
verify the consumer's identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a
fraud alert lasting 7 years.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have
an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account
includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.
For more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal
rights, contact:
FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their a. Bureau of Consumer Financial Protection
affiliates. 1700 G Street NW
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit unions also should list in
addition to the Bureau: b. Federal Trade Commission Consumer
Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
2. To the extent not included in item 1 above: a. Office of the Comptroller of the Currency
Customer Assistance Group
a. National banks, federal savings associations, and federal branches and federal agencies of P.O. Box 53570
foreign banks Houston, TX 77052
b. State member banks, branches and agencies of foreign banks (other than federal branches, b. Federal Reserve Consumer Help Center
federal agencies, and insured state branches of foreign banks), commercial lending companies PO Box 1200
owned or controlled by foreign banks, and organizations operating under section 25 or 25A of Minneapolis, MN 55480
the Federal Reserve Act
c. Division of Depositor and Consumer
c. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state Protection
savings associations National Center for Consumer and Depositor
Assistance
d. Federal Credit Unions Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106
5. Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards Division
Regional Office
8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Farm Credit Administration
Production Credit Associations 1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the
creditor operates or Federal Trade
Commission: Consumer Response Center -
FCRA
Washington, DC 20580
(877) 382-4357
Notification of Rights
Notification of Rights for California Consumers
Notification of Rights for Colorado Consumers
Notification of Rights for Connecticut Consumers
Notification of Rights for Maryland Consumers
Notification of Rights for Massachusetts Consumers
Notification of Rights for Texas Consumers
Notification of Rights for Vermont Consumers
Notification of Rights for Washington Consumers