5/15/25, 1:17 PM Credit Report - MyScoreIQ
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CREDIT REPORT
Credit reports are key to helping you confidently protect and manage your identity. You
can rest assured - reviewing your report does not negatively impact your standing or
score.
Financial institutions, employers and insurers use credit reports to gain insight into your
financial profile. Because they provide a record of your present and past credit use, credit
reports may determine whether or not you will be offered credit, and on what terms.
Inaccurate or fraudulent account information on credit reports can result in denial of
credit, higher loan and insurance rates and even rejection for employment. The Federal
Trade Commission (FTC) has prepared A Summary of Your Rights Under the Fair Credit
Reporting Act, you may also find additional information on their website
www.FTC.gov/credit.
Understanding your credit score and the factors that impact it will prepare you to make
the best possible decisions for your financial future. Want help reading your report?
We've prepared a quick educational guide for you: How to Read, Use and Act on Your
Credit Report. If you find inaccurate information on your report, you may contact one of
our Credit Specialists to help dispute this information directly with the credit reporting
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PURCHASE REPORT
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5/15/25, 1:17 PM Credit Report - MyScoreIQ
Three Bureau Credit Report
Reference # M63499718 Report Date: 05/15/2025
Quick Links: Credit Score / Summary / Account History / Inquiries / Creditor Contacts
Personal Information
Below is your personal information as it appears in your credit file. This information includes your legal name,
current and previous addresses, employment information and other details.
TransUnion Experian Equifax
Credit Report Date: 05/15/2025 05/15/2025 05/15/2025
Name: ROY R GIBBENS ROY GIBBENS ROY R GIBBENS
Also Known As: - GIBBENS GIBBENS -
Former: - - -
Date of Birth: 1949 1949 1949
902 DEERFIELD CT 902 DEERFIELD CT 902 DEERFIELD CT
RUSSELLVILLE, AR RUSSELLVILLE, AR RUSSELLVILLE, AR
Current Address(es):
72801 72801-4709 72801
02/2013 10/2023 05/2025
807 TENNESSEE AVE
MORRILTON, AR
24 WHITE TAIL LN 72110
24 WHITE TAIL LN
PLUMERVILLE, AR 11/2009
PLUMERVILLE, AR
72127-8769 24 WHITE TAIL LN
72127
10/2009 PLUMERVILLE, AR
Previous Address(es): 05/1999
6 EOFF LN 72127
2216 STANFORD RD
CENTER RIDGE, AR 09/2023
FORT COLLINS, CO
72027-8320 305 YALE WAY
80525
06/2003 FORT COLLINS, CO
80525
11/2009
CONWAY REGIONAL CONWAY CO SHERIFFS CONWAY REGIONAL HEAL
Employers:
HEALTH SY DEPT KING SOOPERS
FICO® Score Back to Top
Your Credit Score is a representation of your overall credit health. Most lenders utilize some form of credit
scoring to help determine your credit worthiness.
TransUnion Experian Equifax
FICO® Score 8: 780 764 780
Lender Rank: Very Good Very Good Very Good
FICO® Score 8 Scale: 300-850 300-850 300-850
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Score Factors
TransUnion: FICO® Score 8: [+]
Experian: FICO® Score 8: [+]
Equifax: FICO® Score 8: [+]
The score(s) on your MyScoreIQ credit report (using the FICO® Score model) are provided as a tool to help you understand
how lenders may view the data contained in your credit reports and evaluate your credit risk. We provide these scores solely
for educational purposes. MyScoreIQ does not offer credit; delivery of these scores does not qualify you for any loan. The
scoring model your lender uses may be different than the FICO® Score. As a result, the score and score factors we have
delivered may show differences when compared to the score and score factors produced by your lender's scoring model.
Please also understand that lenders use multiple sources of information when underwriting a loan and making lending
decisions. Credit scores are just one factor that may be used and each lender will have different criteria they consider.
MyScoreIQ provides informational materials along with your credit report(s) and score(s) these materials are educational in
nature and intended to broaden your understanding of how credit scoring works. They should not be construed as advice in
handling your financial problems or making financial decisions. If you are having trouble keeping up with your bill payments
or experiencing other financial difficulties, please contact a non-profit credit counseling service for assistance. These
materials are for educational purposes only.
Summary Back to Top
Below is an overview of your present and past credit status including open and closed accounts and balance
information.
TransUnion Experian Equifax
Total Accounts: 7 7 7
Open Accounts: 3 3 3
Closed Accounts: 4 4 4
Delinquent: - - -
Derogatory: - - -
Collection: - - -
Balances: $33,931.00 $33,694.00 $33,931.00
Payments: $745.00 $745.00 $745.00
Public Records: - - -
Inquiries(2 years): 3 1 -
Account History Back to Top
Information on accounts you have opened in the past is displayed below.
JPMCB AUTO
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TransUnion Experian Equifax
Account #: 123256XXXXXXXX 123256XXXXXXXX 123256XXXXXXXX
Account Type: Installment account INSTALLMENT Installment
Account Type - Detail: Installment account Auto Loan Installment
Bureau Code: Joint account Joint Account Joint Account
Account Status: Open Open Open
Monthly Payment: $745.00 $745.00 $745.00
Date Opened: 09/13/2023 09/13/2023 09/13/2023
Balance: $33,694.00 $33,694.00 $33,694.00
No. of Months (terms): Monthly 72 Months Monthly (due every month)
High Credit: $43,244.00 $43,244.00 $43,244.00
Credit Limit: $0.00 - -
Past Due: $0.00 - -
Payment Status: Paid or paying as agreed Current Pays account as agreed
Last Reported: 04/28/2025 04/28/2025 04/28/2025
Comments: - - FIXED RATE
Date Last Active: 04/28/2025 04/01/2025 04/28/2025
Date of Last Payment: 04/28/2025 04/28/2025 04/01/2025
Two-Year payment history
Month Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May
Year 25 25 25 25 24 24 24 24 24 24 24 24 24 24 24 24 23 23 23 23 23 23 23 23
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
JPMCB AUTO
TransUnion Experian Equifax
Account #: 119149XXXXXXXX 119149XXXXXXXX 119149XXXXXXXX
Account Type: Installment account INSTALLMENT Installment
Account Type - Detail: Installment account Auto Loan Installment
Bureau Code: Joint account Joint Account Joint Account
Account Status: Closed Closed Closed
Monthly Payment: $0.00 - -
Date Opened: 07/19/2019 07/19/2019 07/19/2019
Balance: $0.00 - $0.00
No. of Months (terms): Monthly 72 Months Monthly (due every month)
High Credit: $21,728.00 $21,728.00 $21,728.00
Credit Limit: $0.00 - -
Past Due: $0.00 - -
Payment Status: Unrated or bankruptcy Paid satisfactorily Pays account as agreed
Last Reported: 10/01/2024 10/01/2024 10/02/2024
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Comments: Closed - FIXED RATE
Date Last Active: 10/01/2024 10/01/2024 10/02/2024
Date of Last Payment: 10/01/2024 10/01/2024 10/01/2024
Two-Year payment history
Month Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov
Year 24 24 24 24 24 24 24 24 24 24 23 23 23 23 23 23 23 23 23 23 23 23 22 22
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
CAPITAL ONE
TransUnion Experian Equifax
Account #: 468839XXXXXX 468839XXXXXX 468839XXXXXX
Account Type: Revolving account REVOLVING Revolving
Account Type - Detail: Revolving account Credit Card Revolving
Bureau Code: Individual account Individual Individual Account
Account Status: Open Open Open
Monthly Payment: $0.00 $0.00 -
Date Opened: 03/27/2021 03/27/2021 03/27/2021
Balance: $0.00 $0.00 $0.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: $130.00 $130.00 $130.00
Credit Limit: $800.00 $800.00 $800.00
Past Due: $0.00 - -
Payment Status: Paid or paying as agreed Current Pays account as agreed
Last Reported: 04/23/2025 04/23/2025 04/23/2025
Comments: - - -
Date Last Active: 04/23/2025 04/01/2025 04/23/2025
Date of Last Payment: 04/08/2025 04/08/2025 04/01/2025
Two-Year payment history
Month Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May
Year 25 25 25 25 24 24 24 24 24 24 24 24 24 24 24 24 23 23 23 23 23 23 23 23
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
SYNCB/SAMS CLUB DC
TransUnion Experian Equifax
Account #: 521333XXXXXX 521333XXXXXX 521333XXXXXX
Account Type: Revolving account REVOLVING Revolving
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Account Type - Detail: Revolving account Credit Card Revolving
Bureau Code: Individual account Individual Individual Account
Account Status: Open Open Open
Monthly Payment: $0.00 - -
Date Opened: 05/08/2025 05/08/2025 05/08/2025
Balance: $237.00 $0.00 $237.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: $237.00 - $237.00
Credit Limit: $5,000.00 $5,000.00 $5,000.00
Past Due: $0.00 - -
Payment Status: Paid or paying as agreed Current Pays account as agreed
Last Reported: 05/11/2025 05/08/2025 05/11/2025
Comments: - - -
Date Last Active: 05/11/2025 05/01/2025 05/11/2025
Date of Last Payment: - - -
Two-Year payment history
Month May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun
Year 25 25 25 25 25 24 24 24 24 24 24 24 24 24 24 24 24 23 23 23 23 23 23 23
TransUnion
Experian OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
BARCLAYS BANK DELAWARE
TransUnion Experian Equifax
Account #: 000373XXXXX 000373XXXXXXXXX 373202XX
Account Type: Revolving account REVOLVING Revolving
Account Type - Detail: Revolving account Credit Card Revolving
Bureau Code: Individual account Individual Individual Account
Account Status: Closed Closed Closed
Monthly Payment: $0.00 - -
Date Opened: 03/22/2022 03/22/2022 03/22/2022
Balance: $0.00 - $0.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: $0.00 - $0.00
Credit Limit: $1,200.00 $1,200.00 $1,200.00
Past Due: $0.00 - -
Payment Status: Paid or paying as agreed Paid satisfactorily Pays account as agreed
Last Reported: 08/06/2023 08/06/2023 08/06/2023
Account closed by Account closed at
Comments:
consumer consumer’s request
Date Last Active: 08/06/2023 08/01/2023 08/06/2023
Date of Last Payment: - - -
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Two-Year payment history
Month Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep
Year 23 23 23 23 23 23 23 23 22 22 22 22 22 22 22 22 22 22 22 22 21 21 21 21
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
COMENITYCB/WYNDHAM
TransUnion Experian Equifax
Account #: 778840XXXXXX 778840XXXXXXXXXX 778840XXXXXXXXXX
Account Type: Revolving account REVOLVING Revolving
Account Type - Detail: Revolving account Charge Card Revolving
Bureau Code: Individual account Individual Individual Account
Account Status: Closed Closed Closed
Monthly Payment: $0.00 - -
Date Opened: 03/22/2022 03/22/2022 03/22/2022
Balance: $0.00 - $0.00
No. of Months (terms): - Revolving Monthly (due every month)
High Credit: $0.00 - $0.00
Credit Limit: $5,000.00 $5,000.00 $5,000.00
Past Due: $0.00 - -
Payment Status: Paid or paying as agreed Paid satisfactorily Pays account as agreed
Last Reported: 05/14/2022 04/09/2022 05/14/2022
Account closed by Account closed at
Comments:
consumer consumer’s request
Date Last Active: 05/14/2022 04/01/2022 05/14/2022
Date of Last Payment: - - -
Two-Year payment history
Month Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May
Year 22 22 22 22 21 21 21 21 21 21 21 21 21 21 21 21 20 20 20 20 20 20 20 20
TransUnion OK
Experian OK
Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Inquiries Back to Top
Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries
such as these can remain on your credit file for up to two years.
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Creditor Name Type of Business Date of inquiry Credit Bureau
SYNCB/SAMS CLUB Sales Financing Company 05/08/2025 Experian
Credit card and travel / entertainment
SYNCB/SAMS 05/08/2025 TransUnion
companies
JPMCB AUTO Banks and S&Ls 09/13/2023 TransUnion
SUBARU OF LI Automotive 09/13/2023 TransUnion
Public Information Back to Top
Below is an overview of your public records and can include details of bankruptcy filings, court records, tax
liens and other monetary judgments. Public records typically remain on your Credit Report for 7 - 10 years.
None Reported
Creditor Contacts Back to Top
Information about how to contact people and/or organizations that appear on this credit report is listed below.
Creditor Name Address Phone Number
PO BOX 8803 ATT: CREDIT BUREAU
BARCLAYS BANK DELAWA (888) 232-0780
WILMINGTON, DE 19899-8803
PO BOX 8803
BARCLAYS BANK DELAWARE (888) 232-0780
WILMINGTON, DE 19899
PO BOX 31293
CAPITAL ONE BANK USA (800) 955-7070
SALT LAKE CITY, UT 84131-1293
PO BOX 182120
COMENITYCAPITAL/WYND (855) 796-9632
COLUMBUS, OH 43218-2120
PO BOX 182120
COMENITYCB/WYNDHAM -
COLUMBUS, OH 43218
PO BOX 31293
CAPITAL ONE (800) 955-7070
SALT LAKE CITY, UT 84131
700 KANSAS LANE
JPMCB AUTO FINANCE (800) 336-6675
MONROE, LA 71203
PO BOX 15369
JPMCB CARD SERVICES (800) 945-2000
WILMINGTON, DE 19850-5369
PO BOX 901003
JPMCB AUTO (800) 336-6675
FORT WORTH, TX 76101
PO BOX 15369
JPMCB CARD (800) 945-2000
WILMINGTON, DE 19850
PO BOX 71727
SYNCB/SAM S CLUB DC (866) 396-8254
PHILADELPHIA, PA 19176-1727
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PO BOX 965005
SYNCB/SAMS CLUB DC (866) 220-0254
ORLANDO, FL 32896
PO BOX 965005
SYNCB/SAMS CLUB (800) 964-1917
ORLANDO, FL 32896
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