9/27/24, 11:55 AM Experian

Prepared For

FALICA A. PETIT-FRERE
Personal & confidential
Date generated: Sep 27, 2024

At a glance

FICO® Score 8
704 Experian data Sep 27, 2024


300 850
Good

Account summary Overall credit usage Debt summary

Open accounts 8 Credit card and credit line debt $9,537

Self-reported accounts 0 Self-reported account balance $0

Accounts ever late 7 Loan debt $25,940

38 %
Closed accounts 0 Collections debt $0

Collections 0 Total debt $35,477

Average account 6 yrs 11 mos

age

Oldest account 13 yrs 9 mos Credit used: $9,537

Credit limit: $17,500

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9/27/24, 11:55 AM Experian

Prepared For FALICAIA A. PETIT-FRERE Date generated: Sep 27, 2024

Personal information

Name Addresses Employers

FALICIA A PETIT-FRERE 111 GATEHOUSE DR NATASHA DENONA LLC
MEDFIELD, MA 02052-4500
Also known as ALL WORK
CPETITFRERE FALICIA 342 SAINT PAUL ST APT 6
BROOKLINE, MA 02446-3610
FRERE FALICIA PETIT
380 BRADFORD AVE APT 2
FALICIA PETIT FRERE FALL RIVER, MA 02721-1279

PETIT FRERE

Generational identifier
-

Year of birth
1982

Personal statements
No Statement(s) present at this time

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT FRERE Date generated: Sep 27, 2024

Open accounts

AMEX $2,880

Exceptional payment history Balance updated Sep 22, 2024

Account info

Account name AMEX Balance $2,880

Account number 3499932635964763 Balance updated Sep 22, 2024

Original creditor - Credit limit -

Company sold - Credit usage -

Account type Credit card Monthly payment $0

Date opened Jul 06, 2024 Highest balance $2,880

Open/closed Open Terms 1 Month

Status Open/Never late. Responsibility Individual

Status updated Sep 2024 Your statement -

Payment history

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

Current / Terms met - Data Unavailable

Contact info

Address PO BOX 297871 FORT

LAUDERDALE,
FL 33329

Phone number (800) 874-2717

Comments

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

BANK OF AMERICA $0

Exceptional payment history Balance updated Aug 28, 2024

Account info

Account name BANK OF AMERICA Balance $0

Account number XXXX Balance updated Aug 28, 2024

Original creditor - Credit limit $200

Company sold - Credit usage 0%

Account type Credit card Monthly payment $0

Date opened Dec 28, 2022 Last Payment Date May 24, 2024

Open/closed Open Highest balance $224

Status Open/Never late. Terms -

Status updated Aug 2024 Responsibility Individual

Your statement -

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - -
2023

Current / Terms met - Data Unavailable

Contact info

Address PO BOX 982238 EL PASO,

TX 79998

Phone number (800) 421-2110

Comments

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

DISCOVER BANK $4,133

2 late payments Balance updated Sep 03, 2024

Account info

Account name DISCOVER BANK Balance $4,133

Account number 601101XXXXXX Balance updated Sep 03, 2024

Original creditor - Credit limit $9,300

Company sold - Credit usage 44%

Account type Credit card Monthly payment $89

Date opened May 18, 2012 Last Payment Date Sep 01, 2024

Open/closed Open Highest balance $4,342

Status Open. Terms -

Status updated Nov 2022 Responsibility Individual

Your statement -

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - -
2023
2022 30 30
2021 - - - - - -

Current / Terms met 30 Past due 30 days - Data Unavailable

Contact info

Address PO BOX 30939 SALT LAKE CITY,

UT 84130

Phone number (800) 347-2683

Comments

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

CHKG/SAFETYINSURANCECOMPANY $0

Exceptional payment history INSURANCE SELFREPORTED

Account info

Account name INSURANCE SELFREPORTED Balance $0

Account number E40AA3XXXXXXXXXXXXXXXXXXXXXXXXXX Balance updated Apr 12, 2024

Original creditor CHKG/SAFETYINSURANCECOMPANY Original amount -

Company sold - Monthly payment $0

Account type Insurance Last Payment Date Apr 12, 2024

Date opened - Terms 1 Month

Open/closed Open Responsibility Individual

Status Open/Never late. Your statement -

Status updated Apr 2024

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 ND ND - - - - - - - -
2023 - - - - - - - - - - -

ND No data for this period Payment Recorded - Data Unavailable

Self-reported data is contributed through your Experian account. The account number listed on your Experian credit file is a tracking
number generated by Experian--not the account number at your bank or payee. Original creditor is the source of your self-reported
data (your bank) and the payee (the company to which you pay your bills). The balance and monthly payment reflect the most recent
payment recorded at your bank.

Contact info

Address PO BOX 4500 ALLEN,

TX 75013

Phone number (855) 891-2743

Comments

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

JPMCB CARD $2,524

Exceptional payment history Balance updated Sep 20, 2024

Account info

Account name JPMCB CARD Balance $2,524

Account number 414720XXXXXX Balance updated Sep 20, 2024

Original creditor - Credit limit $7,500

Company sold - Credit usage 33%

Account type Credit Card Monthly payment $188

Date opened May 30, 2024 Last Payment Date Sep 20, 2024

Open/closed Open Highest balance $3,551

Status Open/Never late. Terms -

Status updated Sep 2024 Responsibility Individual

Your statement -

Payment history

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

Current / Terms met - Data Unavailable

Contact info

Address PO BOX 15369 WILMINGTON,

DE 19850

Phone number (800) 945-2000

Comments

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

MACYS/CBNA $0

3 late payments Balance updated Aug 29, 2024

Account info

Account name MACYS/CBNA Balance $0

Account number 603534XXXXXXXXXX Balance updated Aug 29, 2024

Original creditor - Credit limit $500

Company sold - Credit usage 0%

Account type Charge Card Monthly payment $0

Date opened Feb 14, 2020 Last Payment Date May 03, 2024

Open/closed Open Highest balance $682

Status Open. Terms -

Status updated Mar 2022 Responsibility Individual

Your statement -

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - -
2023
2022 30
2021 30
2020 30
2019 - - - - - - - - - -

Current / Terms met 30 Past due 30 days - Data Unavailable

Contact info

Address PO BOX 8218 MASON,

OH 45040

Phone number (800) 243-6552

Comments

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

SANTANDER CONSUMER USA $25,859

4 late payments Balance updated Aug 31, 2024

Account info

Account name SANTANDER CONSUMER USA Balance $25,859

Account number 300002XXXXXXXXXXX Balance updated Aug 31, 2024

Original creditor - Original balance $38,768

Company sold - Paid off 33%

Account type Auto Loan Monthly payment $789

Date opened Nov 29, 2021 Last Payment Date Aug 13, 2024

Open/closed Open Terms 76 Months

Status Open. Responsibility Individual

Status updated Nov 2022 Your statement -

Payment history

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

Current / Terms met 30 Past due 30 days 60 Past due 60 days

- Data Unavailable

Contact info

Address PO BOX 961245 FT WORTH,

TX 76161

Phone number (866) 923-9282

Comments

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

CHKG/COMCAST $81

Exceptional payment history TELECOM SELFREPORTED

Account info

Account name TELECOM SELFREPORTED Balance $81

Account number 6B8B78XXXXXXXXXXXXXXXXXXXXXXXXXX Balance updated Sep 09, 2024

Original creditor CHKG/COMCAST Original amount $81

Company sold - Monthly payment $81

Account type Telecom Last Payment Date Sep 09, 2024

Date opened - Terms 1 Month

Open/closed Open Responsibility Individual

Status Open/Never late. Your statement -

Status updated Sep 2024

Payment history

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

Payment Recorded - Data Unavailable

Self-reported data is contributed through your Experian account. The account number listed on your Experian credit file is a tracking
number generated by Experian--not the account number at your bank or payee. Original creditor is the source of your self-reported
data (your bank) and the payee (the company to which you pay your bills). The balance and monthly payment reflect the most recent
payment recorded at your bank.

Contact info

Address PO BOX 4500 ALLEN,

TX 75013

Phone number (855) 891-2743

Comments

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

Closed accounts

ACCEPTANCE NOW
Closed
Exceptional payment history

Account info

Account name ACCEPTANCE NOW Balance -

Account number R05786XXXXXXXXXXXXXXXXXX Balance updated -

Original creditor - Original balance $5,399

Company sold - Monthly payment -

Account type Rental Last Payment Date Apr 09, 2015

Date opened Sep 03, 2012 Terms 36 Months

Open/closed Closed Responsibility Individual

Status Paid, Closed/Never late. Your statement -

Status updated Apr 2015

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2015
CLS - - - - - - - -
2014
2013
2012 - - - - - - - -

Current / Terms met CLS Closed - Data Unavailable

Contact info

Address 5501 HEADQUARTERS DR

PLANO,
TX 75024

Phone number (888) 672-2411

Comments

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

CAPITAL ONE
Closed
Exceptional payment history

Account info

Account name CAPITAL ONE Balance -

Account number 515676XXXXXX Balance updated -

Original creditor - Credit limit $3,000

Company sold - Monthly payment -

Account type Credit Card Last Payment Date Apr 25, 2024

Date opened Dec 21, 2023 Highest balance $3,054

Open/closed Closed Terms -

Status Paid, Closed/Never late. Responsibility Individual

Status updated May 2024 Your statement -

Payment history

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

Current / Terms met CLS Closed - Data Unavailable

Contact info

Address PO BOX 31293 SALT LAKE CITY,

UT 84131

Phone number (800) 955-7070

Comments

Account closed at credit grantor's request

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

CAPITAL ONE
Closed
Exceptional payment history

Account info

Account name CAPITAL ONE Balance -

Account number 517805XXXXXX Balance updated -

Original creditor - Credit limit $2,250

Company sold - Monthly payment -

Account type Credit card Last Payment Date Feb 11, 2016

Date opened Apr 03, 2012 Highest balance $2,576

Open/closed Closed Terms -

Status Paid, Closed/Never late. Responsibility Individual

Status updated Mar 2016 Your statement -

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016
CLS - - - - - - - - -
ND ND
2015
ND ND
2014
2013
2012 - - -

Current / Terms met ND No data for this period CLS Closed

- Data Unavailable

Contact info

Address PO BOX 31293 SALT LAKE CITY,

UT 84131

Phone number (800) 955-7070

Comments

Account closed at consumer's request

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

CITIZENS BANK NA
Closed
3 late payments

Account info

Account name CITIZENS BANK NA Balance -

Account number 279368XXXX Balance updated -

Original creditor - Original balance $17,904

Company sold - Monthly payment -

Account type Auto Loan Last Payment Date Nov 14, 2021

Date opened Jun 13, 2019 Terms 72 Months

Open/closed Closed Responsibility Individual

Status Paid, Closed. Your statement -

Status updated Dec 2021

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
CLS
2021
2020 30 60 90 ND ND

2019 - - - - -

Current / Terms met ND No data for this period CLS Closed

30 Past due 30 days 60 Past due 60 days 90 Past due 90 days

- Data Unavailable

Contact info

Address 480 JEFFERSON BLVD

WARWICK,
RI 02886

Phone number (800) 610-7300

Comments

Paid through insurance

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

COMENITYBANK/VICTORIA
Closed
2 late payments

Account info

Account name COMENITYBANK/VICTORIA Balance -

Account number 539176XXXXXXXXXX Balance updated -

Original creditor - Credit limit $100

Company sold - Monthly payment -

Account type Charge Card Last Payment Date Oct 04, 2021

Date opened Dec 13, 2010 Highest balance $1,280

Open/closed Closed Terms -

Status Paid, Closed. Responsibility Individual

Status updated May 2024 Your statement -

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024
CLS - - - - - - -
2023
2022
2021 - - - - 30 60

Current / Terms met CLS Closed 30 Past due 30 days

60 Past due 60 days - Data Unavailable

Contact info

Address PO BOX 182789 COLUMBUS,

OH 43218

Phone number -

Comments

Account closed at credit grantor's request

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

COMENITYCB/FOREVER21
Closed
Exceptional payment history

Account info

Account name COMENITYCB/FOREVER21 Balance -

Account number 578097XXXXXXXXXX Balance updated -

Original creditor - Credit limit $850

Company sold - Monthly payment -

Account type Charge Card Last Payment Date Dec 24, 2019

Date opened Aug 11, 2019 Highest balance $574

Open/closed Closed Terms -

Status Paid, Closed/Never late. Responsibility Individual

Status updated Dec 2022 Your statement -

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
CLS
2022
2021
2020
2019 - - - - - - -

Current / Terms met CLS Closed - Data Unavailable

Contact info

Address PO BOX 182120 COLUMBUS,

OH 43218

Phone number -

Comments

Account closed at credit grantor's request

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

MACYS/CBNA
Closed
Exceptional payment history

Account info

Account name MACYS/CBNA Balance -

Account number 413040XXXXXX Balance updated -

Original creditor - Credit limit $200

Company sold - Monthly payment -

Account type Charge Card Last Payment Date Apr 02, 2017

Date opened Oct 07, 2011 Highest balance $602

Open/closed Closed Terms -

Status Paid, Closed/Never late. Responsibility Individual

Status updated Apr 2017 Your statement -

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2017
ND ND ND CLS - - - - - - - -
2016
ND ND ND ND
2015
ND
2014
2013
2012 - - - - - - - - - -

Current / Terms met ND No data for this period CLS Closed

- Data Unavailable

Contact info

Address PO BOX 8218 MASON,

OH 45040

Phone number (800) 243-6552

Comments

Account closed at credit grantor's request

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Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

SANTANDER BANK NA
Closed
6 late payments

Account info

Account name SANTANDER BANK NA Balance -

Account number 317770XXXXXXXXXXXXX Balance updated -

Original creditor - Credit limit $700

Company sold - Monthly payment -

Account type Credit card Last Payment Date Aug 10, 2021

Date opened Apr 25, 2012 Highest balance $810

Open/closed Closed Terms -

Status Paid, Closed. Responsibility Individual

Status updated Jan 2023 Your statement -

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023
CLS - - - - - - - - - - -
2022
2021 120 120
2020 30 30 60 90
2019
2018
2017
2016 - - - - - - ND

Current / Terms met ND No data for this period CLS Closed

30 Past due 30 days 60 Past due 60 days 90 Past due 90 days

120 Past due 120 days - Data Unavailable

Contact info

Address PO BOX 12646 READING,

PA 19612

Phone number (617) 533-1365

Comments

Account closed at consumer's request

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

SYNCB/CARE CREDIT
Closed
Exceptional payment history

Account info

Account name SYNCB/CARE CREDIT Balance -

Account number 601918XXXXXX Balance updated -

Original creditor - Credit limit $5,000

Company sold - Monthly payment -

Account type Charge Card Highest balance $0

Date opened Aug 07, 2020 Terms -

Open/closed Closed Responsibility Individual

Status Paid, Closed/Never late. Your statement -

Status updated Aug 2021

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
CLS - - - -
2020 - - - - - - -

Current / Terms met CLS Closed - Data Unavailable

Contact info

Address 950 FORRER BLVD KETTERING,

OH 45420

Phone number (937) 534-6950

Comments

Closed due to inactivity

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

VERIZON WIRELESS
Closed
1 potentially negative month

Account info

Account name VERIZON WIRELESS Balance -

Account number 788534XXXXXXXX Balance updated -

Original creditor - Original balance $3,521

Company sold - Monthly payment -

Account type Cell Phone Last Payment Date May 19, 2023

Date opened Sep 23, 2014 Terms 1 Month

Open/closed Closed Responsibility Individual

Status Paid in settlement. Your statement -

Status updated Jun 2023

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 - - - - - C - - - - - -

C Collection - Data Unavailable

Contact info

Address PO BOX 650051 DALLAS,

TX 75265

Phone number (800) 852-1922

Comments

Account paid in full for less than full balance

Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)

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Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

WESTLAKE FINANCIAL SVC

Closed
Exceptional payment history

Account info

Account name WESTLAKE FINANCIAL SVC Balance -

Account number 101156XX Balance updated -

Original creditor - Original balance $11,461

Company sold - Monthly payment -

Account type Auto Loan Last Payment Date Mar 02, 2018

Date opened Aug 24, 2017 Terms 48 Months

Open/closed Closed Responsibility Joint

Status Paid, Closed/Never late. Your statement -

Status updated Jul 2018

Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2018
CLS - - - - -
2017 - - - - - - -

Current / Terms met CLS Closed - Data Unavailable

Contact info

Address 4751 WILSHIRE BLVD STE 1 LOS

ANGELES,
CA 90010

Phone number (888) 739-9192

Comments

Paid through insurance

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Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

Collection accounts

No collection accounts reported.

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

Public records

No public records reported.

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

Inquiries

AMERICAN EXPRESS BK OF AMER CAP ONE NA

Inquired on Jul 6, 2024 Inquired on Dec 28, 2022 Inquired on Dec 21, 2023

Business Type: Bank Credit Cards Business Type: Bank Credit Cards Business Type: Bank Credit Cards

200 VESEY ST PO BOX 982238 PO BOX 30281

NEW YORK, NY 10285 EL PASO, TX 79998 SALT LAKE CITY, UT 84130

(800) 874-2717 (800) 421-2110 (800) 227-4825

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

FD/SIERRA PACIFIC MORT JPMCB CARD NASA FEDERAL CREDIT UN

Inquired on Dec 19, 2023 Inquired on May 30, 2024 Inquired on Sep 19, 2024

Business Type: Mortgage Companies Business Type: Bank Credit Cards Business Type: Credit Unions

1180 IRON POINT RD STE 2 PO BOX 15077 500 PRINCE GEORGES CTR B

FOLSOM, CA 95630 WILMINGTON, DE 19850 UPPER MARLBORO, MD 20772

(800) 447-3386 (800) 453-9719 (301) 249-1800

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 Jun 2026 record until Oct 2026

XACTUS-CP/MOVEMENT MOR
Inquired on Jan 12, 2024

Business Type: Mortgage Companies

8024 CALVIN HALL RD

INDIAN LAND, SC 29707

(757) 227-3385

This inquiry is scheduled to continue on

record until Feb 2026

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

Credit scores

FICO® Score 8
G ood
670 - 739
Ve
ry
ir Go
Fa

od
704
Your score is near or slightly above the average of U.S. consumers

Ex
and most lenders consider this a good score.

ce
Poor

pt ion
al
300 850
Experian data 9/27/2024

What's helping
Long credit history
You have an established credit history.

Your oldest account was opened: 13 Years, 9 Months ago

FICO High Achievers opened their oldest account 25 years ago, on average.

Average age of your accounts: 6 Years, 7 Months

Most FICO High Achievers have an average age of accounts of 9 years or more.

FICO® Scores measure the age of the oldest account and the average age of all accounts being reported. Generally speaking, having a relatively long
credit history and not opening many new accounts is reflective of lower risk.

Bills paid on time recently

You've recently been paying your bills on time.

Your most recent missed payment happened: 1 Year, 11 Months 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 credit card usage

You've shown recent use of credit cards and/or bank-issued open-ended accounts.

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

What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.

Number of your accounts that were ever 60 days late or worse or have a derogatory indicator: 4 accounts

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

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The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late
payments are more likely to pay late in the future. As these items age, they will have less impact on the FICO® Score. Most late payments stay on your
report for no more than seven years.

High credit usage

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

Ratio of your revolving balances to your credit limits: 38%

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.

Loan balances
The remaining balance on your mortgage or non-mortgage installment loans is relatively high.

Percentage of principal you have paid down on your open non-mortgage installment loans: 33%

FICO High Achievers have paid down an average of 40% of the principal on their non-mortgage installment loans.

FICO® Scores weigh the amounts paid down and balances of mortgage and non-mortgage installment loans (such as auto or student loans) against
the original loan amounts. In general, when an installment loan is first obtained the balance is high. As the loan is paid down, the balance decreases.
As installment loan balances decrease, they have less impact on a FICO® Score. Having a low installment loan balance to loan amount ratio is
considered slightly less risky than having a 0% installment loan ratio. Consolidating or moving debt from one account to another will usually not help
a FICO® Score since the same total amount is owed and the score may go down due to opening a new account.

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

FICO® Auto Score 2

G ood
ir 9 Ve
Fa - 66 ry
Go
80
This is a previous FICO® Score version customized for auto lending.

od
5

630 Many banks, auto dealers and other lenders use this version when

Ex
c ep
pulling your credit report based on Experian data.
Poor

t ional
250 ®
FICO Auto Score 2 900
Experian data 9/27/2024

What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.

The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late
payments are more likely to pay late in the future. As these items age, they will have less impact on the FICO® Score. Most late payments stay on your
report for no more than seven years.

Missed payments
You have missed payments or derogatory indicators on your credit accounts.

Missed payments and derogatory indicators, including the number of, how late they were and how recently they occurred, are an important part of a
credit report considered by a FICO® Score. People who are current on their payments, have no derogatory indicators and who consistently make
payments on time are generally considered less risky by most lenders. As missed payments and accounts with derogatory indicators age, they have
less impact on a FICO® Score.

Bad payment history

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

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.

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.

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

FICO® Auto Score 8

G ood
ir 9 Ve
Fa - 66 ry
Go
80
This is a FICO® Score version customized for auto lending. Many

od
5

669 banks, auto dealers and other lenders use this version when pulling

Ex
c ep
your credit report based on Experian data.
Poor

t ional
250 ®
FICO Auto Score 8 900
Experian data 9/27/2024

What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.

The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late
payments are more likely to pay late in the future. As these items age, they will have less impact on the FICO® Score. Most late payments stay on your
report for no more than seven years.

Recent missed payment

You recently missed a payment or had a derogatory indicator reported on your credit report.

The presence of missed or late payments or derogatory indicators on a credit report, including the number of missed payments, how late they were
and how recently they occurred, are correlated with future credit risk. Generally speaking, people who consistently pay their bills on time are less risky
compared to people with recently missed payments. As missed payments age, they have less impact on a FICO® Score.

High credit usage

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

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.

Loan balances
The remaining balance on your mortgage or non-mortgage installment loans is relatively high.

FICO® Scores weigh the amounts paid down and balances of mortgage and non-mortgage installment loans (such as auto or student loans) against
the original loan amounts. In general, when an installment loan is first obtained the balance is high. As the loan is paid down, the balance decreases.
As installment loan balances decrease, they have less impact on a FICO® Score. Having a low installment loan balance to loan amount ratio is
considered slightly less risky than having a 0% installment loan ratio. Consolidating or moving debt from one account to another will usually not help
a FICO® Score since the same total amount is owed and the score may go down due to opening a new account.

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

FICO® Bankcard Score 2

G ood
670 - 739
Ve
ry
ir Go
Fa
This is a previous FICO® Score version that is customized for credit

od
679 card lending. Many credit card issuers use this version when pulling

Ex
c ep
your credit report based on Experian data.
Poor

t ional
250 ®
FICO Bankcard Score 2 900
Experian data 9/27/2024

What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.

The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late
payments are more likely to pay late in the future. As these items age, they will have less impact on the FICO® Score. Most late payments stay on your
report for no more than seven years.

High credit usage

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

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.

Bad payment history

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

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.

Many new accounts

You've recently opened too many new credit accounts.

The FICO® Score considers the number of recent credit account openings. Opening several credit accounts in a short time period is reflective of greater
risk - especially for people with shorter credit histories.

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

FICO® Score 3
G ood
670 - 739
Ve
ry
ir Go
Fa This is a previous FICO® Score version used primarily in credit card

od
671
lending. It may also be used by some lenders for other credit product

Ex
application evaluations (such as credit cards, personal loans, retail

c ep
Poor

credit, student loans, etc.).

t ional
300 ®
FICO Score 3 850
Experian data 9/27/2024

What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.

The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late
payments are more likely to pay late in the future. As these items age, they will have less impact on the FICO® Score. Most late payments stay on your
report for no more than seven years.

High revolving balances

The amount owed on your revolving and/or open-ended accounts is too high.

FICO® Scores evaluate how much is owed on revolving and/or open-ended accounts, such as credit cards. Generally, the more owed on these
accounts, the greater the risk posed to lenders. Note, consolidating or moving debt from one account to another will usually not change the total
amount owed.

Bad payment history

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

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.

Seeking credit
You've recently been looking for credit.

Each time you apply for credit a credit inquiry is added to your credit report. People who are actively seeking credit pose more of a risk to lenders than
those who are not. Your FICO® Score was lowered due to the number of credit inquiries posted within the last 12 months. While being considered by
the score, typically, the presence of inquiries on a credit file carries much less importance than late payments, the amount owed and the length of time
credit has been established.

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

FICO® Bankcard Score 8

G ood
670 - 739
Ve
ry
ir Go
Fa
This is a FICO® Score version that is customized for credit card

od
706 lending. Many credit card issuers use this version when pulling your

Ex
ce
credit report based on Experian data.
Poor

pt ion
al
250 ®
FICO Bankcard Score 8 900
Experian data 9/27/2024

What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.

The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late
payments are more likely to pay late in the future. As these items age, they will have less impact on the FICO® Score. Most late payments stay on your
report for no more than seven years.

High credit usage

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

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.

Recent missed payment

You recently missed a payment or had a derogatory indicator reported on your credit report.

The presence of missed or late payments or derogatory indicators on a credit report, including the number of missed payments, how late they were
and how recently they occurred, are correlated with future credit risk. Generally speaking, people who consistently pay their bills on time are less risky
compared to people with recently missed payments. As missed payments age, they have less impact on a FICO® Score.

Loan balances
The remaining balance on your mortgage or non-mortgage installment loans is relatively high.

FICO® Scores weigh the amounts paid down and balances of mortgage and non-mortgage installment loans (such as auto or student loans) against
the original loan amounts. In general, when an installment loan is first obtained the balance is high. As the loan is paid down, the balance decreases.
As installment loan balances decrease, they have less impact on a FICO® Score. Having a low installment loan balance to loan amount ratio is
considered slightly less risky than having a 0% installment loan ratio. Consolidating or moving debt from one account to another will usually not help
a FICO® Score since the same total amount is owed and the score may go down due to opening a new account.

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 2024

FICO® Score 2
G ood
670 - 739
Ve
ry
ir Go
Fa This is a previous FICO® Score version used primarily in mortgages

od
678
lending. It may also be used by some lenders for other credit product

Ex
application evaluations (such as credit cards, personal loans, retail

c ep
Poor

credit, student loans, etc.).

t ional
300 ®
FICO Score 2 850
Experian data 9/27/2024

What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.

The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late
payments are more likely to pay late in the future. As these items age, they will have less impact on the FICO® Score. Most late payments stay on your
report for no more than seven years.

Bad payment history

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

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.

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.

Seeking credit
You've recently been looking for credit.

Each time you apply for credit a credit inquiry is added to your credit report. People who are actively seeking credit pose more of a risk to lenders than
those who are not. Your FICO® Score was lowered due to the number of credit inquiries posted within the last 12 months. While being considered by
the score, typically, the presence of inquiries on a credit file carries much less importance than late payments, the amount owed and the length of time
credit has been established.

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9/27/24, 11:55 AM Experian

Prepared For FALICIA A. PETIT-FRERE Date generated: Sep 27, 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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