Parkstone Realty

Application Number: 3126804

06/13/2025

Oscar Ruiz, 49 Transunion Credit Report - 619

Applying for: All Registry History - No Records Found
Move In Date: 06/25/2025

DOB:2/23/1976 Company Orange Roof

SSN: 668-22-8225 Position Owner
Address : 220 Avenue a Apt 3B Salary $151,000.00 yearly
New York NY 10009 New York County Supervisor Name Self
Phone: +1 (404) 759-3685 Supervisor E-mail pruiz1118@gmail.com
Email: pruiz1118@gmail.com Supervisor Phone +1 (404) 759-3685
Since 03/15/2025
List additional income/2nd job N/a
Previous occupation and salary n/a
Total income 151,000
TRANS UNION Credit Profile Report
TRANS UNION
2 BALDWIN PLACE, P.O. BOX 1000
CHESTER, PA 19016
800-888-4213
Date Reported: 6/13/2025

Personal Information

Name: OSCAR E RUIZRUIZ Senior Date of Birth: 2/23/1976

SSN: 668-22-8225 Phone:
On File Since: 4/28/2004

Address: 4938 WINTERS CHAPEL Road

DORAVILLE GA 30360
Reported On: 5/6/2019

Address: 2598 LAURELWOOD Road

ATLANTA GA 30360
Reported On: 9/30/2019

Address: 8 E PERIMETER Center 2425

ATLANTA GA 30346
Reported On:
Name: RUIZRUIZ,OSCAR,EDUARDO Date of Birth: Unknown
On File Since: 4/28/2004
Name: RUIZ,OSCAR,EDUARDO Date of Birth: Unknown
On File Since: 4/28/2004
Name: RUIZ,OSCAR,R Date of Birth: Unknown
On File Since: 4/28/2004

Employment Information

Company Name: ORANGE ROOF INC Date Hired: Occupation: SKILLEDLAB

Date Reported: Income:
Separation Date:
Company Name: SELFEMPLOYED1099 EMPLOYEE Date Hired: Occupation:
Date Reported: Income:
Separation Date:

Report Summary

Total # of Trades: 25 30 Days: 0 Accounts Balance: $281,728

Current Trades: 18 60 Days: 0 Mnthly Payment: $2,779
Unrated Trades: N/A 90+ Days: 0 Credit Limit: $102,200
Curr Neg Trades: 0 Inquiries: 2 High Credit: $418,986
Hist Neg Trades: 0 Inq. last 6 mnths: 1 Total Real Est. Bal.: $111,839
No. of Accts Paid: 12 Public Records: 1 Total Rev. Bal.: $10,534
Curr Past Due: 6428 Collections: 0 Tot. Installment Bal.: $159,355
Amount Past Due: $6,428 Oldest Trade: 06/15/2004 Available %: 90
Scorecards

Scorecard: VantageScore 3.0

Score: 619
Reasons: (98) There is a bankruptcy on your credit report
(07) You have too many delinquent or derogatory accounts
(14) Lack of sufficient credit history
(34) Total of all balances on bankcard or revolving accounts is too high
(I) Inquiries impacted the credit score
For information regarding this report's compliance with new Risk Based Pricing, please click this link .
Click this link for signature page version .

Public Records

Court Name/Number Date Reported Member Number Amount

Record Type Date Paid Plaintiff Assets
Court Type ACC Designator Attorney Liability
Public Record Disposition Docket Industry Orig. Date

6/30/2016 0508601Z -
Chapter 7 bankruptcy discharged 10/25/2016 - -
U.S. Bankruptcy Court Individual account PRO SE -
1661347 Miscellaneous and public
record
Trade Lines
Firm Name/ID Opened Credit Limit Balance MoPmnt 30 60 90
Account Number Reported High Credit Past Due MoRep Pattern
KOB/Trade Type Acct. Type Chargeoff Orig. Amt. Date Closed
Status Lst. Paymnt. Closed Ind Owner Terms
Phone #
EDFINANCIAL/E 039ED388 8/24/2019 - $73,557 $835 0 0 0
E00120190824230411 5/31/2025 $63,807 $3,340 48 111XXXXXXXXXX
Employment / Student Loan Installment - - - XXXXXXXXXXXX1
XX1XXXXXXXXXXXX
XX11111111

(04)90 days past due 8/17/2023 - Individual account 120 Months

EDFINANCIAL/E 039ED388 8/24/2022 - $42,442 $493 0 0 0

E00220220824230411 5/31/2025 $37,417 $1,974 33 111XXXXXXXXXX
Employment / Student Loan Installment - - - XXXXXXXXXXXX1
XX111XXXX1
(04)90 days past due 8/17/2023 - Individual account 120 Months

EDFINANCIAL/E 039ED388 8/26/2023 - $23,598 $278 0 0 0

E00320230826230828 5/31/2025 $20,636 $1,114 21 111XXXXXXXXXX
Employment / Student Loan Installment - - - XXXXXXX1
(04)90 days past due 8/17/2023 - Individual account 120 Months

SYNCB/PPC/B 0999221L 12/1/2019 $1,500 $0 - 0 0 0

604419101017 6/3/2025 $617 $0 48 1111111111111
Banks / Credit Card Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 6/6/2024 - Individual account -

TRUIST/B 0295S003 4/8/2021 - $10,312 $484 0 0 0

491901969811001 5/31/2025 $29,593 $0 48 1111111111111
Banks / Automobile Installment - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 5/23/2025 - Individual account 72 Months

GS BANK USA/B 02GSZ001 6/23/2020 $7,800 $58 $19 0 0 0

1100 5/31/2025 $3,031 $0 48 1111111111111
Banks / Credit Card Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 5/27/2025 - Individual account MIN

MACYS/CBNA/D 02A5T001 6/23/2018 $200 $0 - 0 0 0

603534000069 5/30/2025 $219 $0 48 1111111111111
Department, / Charge Account Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 7/23/2024 - Individual account -

SYNCB/AMAZON/D 0235064K 12/1/2019 $10,000 $1,436 $43 0 0 0

604578114932 5/25/2025 $4,743 $0 48 1111111111111
Department, / Charge Account Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 5/18/2025 - Individual account MIN

SYNCB/NETWRK/B 0561R006 7/8/2020 $6,000 $0 - 0 0 0

650172443229 5/23/2025 $2,546 $0 48 1111111111111
Banks / Charge Account Revolving - - 1/26/2025 1111111111111
Firm Name/ID Opened Credit Limit Balance MoPmnt 30 60 90
Account Number Reported High Credit Past Due MoRep Pattern
KOB/Trade Type Acct. Type Chargeoff Orig. Amt. Date Closed
Status Lst. Paymnt. Closed Ind Owner Terms
Phone #
11111111111111111111
11111

(01)Paid or paying as agreed 12/16/2021 closed normally Individual account -

Inactive account
AMEX/B 021WB001 6/20/2023 $59,500 $9,007 $180 0 0 0
3499931317373223 5/21/2025 $20,440 $0 22 1111111111111
Banks / Credit Card Revolving - - - 111111111
(01)Paid or paying as agreed - - Individual account MIN

BBY/CBNA/H 0292F014 6/9/2022 $5,000 $0 - 0 0 0

603535137608 5/19/2025 $1,121 $0 35 1111111111111
Home / Charge Account Revolving - - - 1111111111111
111111111111
(01)Paid or paying as agreed 9/12/2023 - Individual account -

NORDSTM/TD/D 02FAH001 12/20/2020 $4,200 $0 - 0 0 0

447043112582 5/19/2025 $2,393 $0 48 1111111111111
Department, / Credit Card Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 4/15/2025 - Individual account -

AMEX/B 021WB001 6/14/2022 $1,000 $0 - 0 0 0

3499929983887123 5/14/2025 $1,033 $0 34 1111111111111
Banks / Credit Card Revolving - - - 1111111111111
11111111111
(01)Paid or paying as agreed - - Individual account -

PHH MORT SVC/F 0398R001 3/25/2019 - $111,839 $1,078 0 0 0

9547184461478 5/12/2025 $141,636 $0 12 11111111111
Finance, / FHA Real Estate Mortgage Mortgage - - -
(01)Paid or paying as agreed 5/1/2025 - Individual account 396 Months

DISCOVERCARD/B 09616003 4/5/2018 $7,500 $33 $20 0 0 0

601100892737 5/11/2025 $2,931 $0 48 1111111111111
Banks / Credit Card Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 5/1/2025 - Individual account MIN

SALLIE MAE/B 02EMP001 6/18/2021 - $4,156 $89 0 0 0

5852500046340995 5/11/2025 $66,201 $0 44 11XXXXXXXXXXX
Banks / Student Loan Installment - - - XXXXXXXXXX111
1111111
(01)Paid or paying as agreed 3/6/2025 - Joint account 180 Months

JPMCB AUTO/B 0402D038 11/23/2020 - $5,290 $338 0 0 0

12032816405707 5/7/2025 $20,895 $0 48 1111111111111
Banks / Automobile Installment - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 5/2/2025 - Individual account 72 Months

SYNCB/BRMART/F 09992887 7/21/2023 $4,500 $0 - 0 0 0

601917012908 5/5/2025 $1,236 $0 22 1111111111111
Finance, / Charge Account Revolving - - - 111111111
(01)Paid or paying as agreed 11/9/2023 - Individual account -
Firm Name/ID Opened Credit Limit Balance MoPmnt 30 60 90
Account Number Reported High Credit Past Due MoRep Pattern
KOB/Trade Type Acct. Type Chargeoff Orig. Amt. Date Closed
Status Lst. Paymnt. Closed Ind Owner Terms
Phone #
AMEX/B 021WB001 4/23/2020 $1,000 $129 $40 0 0 0
3499928009892343 5/2/2025 $2,940 $0 48 1111111111111
Banks / Credit Card Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed - - Authorized MIN

account

CAPITAL ONE/B 01DTV001 11/21/2016 $5,200 $0 - 0 0 0

517805768075 10/21/2024 $2,222 $0 48 1111111111111
Banks / Credit Card Revolving - - 10/8/2024 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 10/8/2024 closed normally Individual account -

Account closed by consumer

AMEX/B 021WB001 6/11/2022 - $0 - 0 0 0
3499929974798113 8/9/2024 $4,388 $0 25 1111111111111
Banks / Credit Card Open - - 7/24/2024 111111111111
11
(01)Paid or paying as agreed - closed normally Individual account -

Account closed by consumer

CULS/CINCH/F 02ARF001 8/14/2020 - $0 $0 0 0 0
2537143 7/31/2024 $27,725 $0 47 1111111111111
Finance, / Automobile Installment - - 7/31/2024 1111111111111
11111111111111111111
1111

(01)Paid or paying as agreed 7/18/2024 closed normally Individual account 72 Months

Closed
NATNS DIRET/B 0285R239 3/25/2019 - $0 $0 0 0 0
3101448554541 5/2/2024 $141,636 $0 48 1111111111111
Banks / FHA Real Estate Mortgage Mortgage - - 5/2/2024 1111111111111
11111111111111111111
111

(01)Paid or paying as agreed 4/1/2024 closed normally Individual account 360 Months

Transferred to another lender

OPTMBNK/GSKY/B 02E78045 1/12/2021 - $0 $0 0 0 0
5492693183190335 4/30/2022 $3,990 $0 14 1111111111111
Banks / Unsecured Installment - - 4/30/2022 1
(01)Paid or paying as agreed 12/31/2021 closed normally Individual account 84 Months

Closed
TBOM RETAIL/B 022EL018 7/16/2018 $2,000 $0 - 0 0 0
763600900021 10/1/2021 $2,047 $0 39 1111111111111
Banks / Credit Card Revolving - - 2/3/2021 1111111111111
1111111111111111
(01)Paid or paying as agreed 10/21/2020 closed normally Individual account -

Closed
CB INDIGO/B 022EL023 4/2/2018 $300 $0 - 0 0 0
510004000890 10/1/2021 $298 $0 42 1111111111111
Banks / Credit Card Revolving - - 5/6/2020 1111111111111
1111111111111111111
(01)Paid or paying as agreed 3/21/2020 closed normally Individual account -

Account closed by consumer

WFBNA AUTO/B 0839N077 10/26/2016 - $0 $0 0 0 0
Firm Name/ID Opened Credit Limit Balance MoPmnt 30 60 90
Account Number Reported High Credit Past Due MoRep Pattern
KOB/Trade Type Acct. Type Chargeoff Orig. Amt. Date Closed
Status Lst. Paymnt. Closed Ind Owner Terms
Phone #
517690306997 4/20/2021 $24,087 $0 48 XXXXXXXXXXX11
Banks / Automobile Installment - - 4/20/2021 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 4/20/2021 closed normally Individual account 80 Months

Closed
LENDMARK/F 022L5064 3/6/2019 - $0 $0 0 0 0
6202260305 6/25/2020 $15,065 $0 15 1111111111111
Finance, / Automobile Installment - - 6/25/2020 11
(01)Paid or paying as agreed 6/25/2020 closed normally Individual account 63 Months

Closed
LENDMARK/F 022L5064 3/16/2018 - $0 $0 0 0 0
6202179800 3/6/2019 $14,995 $0 12 111111111111
Finance, / Automobile Installment - - 3/6/2019
(01)Paid or paying as agreed 3/6/2019 closed normally Individual account 48 Months

Closed
FST PREMIER/B 041PF015 12/18/2016 $700 $0 - 0 0 0
517800655318 6/20/2018 $754 $0 18 1111111111111
Banks / Credit Card Revolving - - 12/22/2017 11111
(01)Paid or paying as agreed 3/27/2018 closed normally Individual account -

Canceled by credit grantor

JPMCB CARD/B 026QK004 6/15/2004 $1,000 $0 - 0 0 0
426684106972 7/26/2016 $1,037 $0 48 1111111111111
Banks / Credit Card Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 7/13/2016 - Account -

terminated

Inquiries

Date Subscriber Name Subscriber # Amount Mkt. SubMkt. KOB Phone #

1/22/2025 ADVNTGE CRED Z03529660 44 DE Miscellaneous and public record
7/21/2023 SYNCB F04853553 17 NY Finance, personal

Warning Messages

VantageScore 3.0 - 4-Default product delivered /

Credit data not suppressed
Current Address ALERT (house number mismatch): Mismatch - input does not match file
Score Derogatory Alert Flag: Inquiries impacted the credit score
Registry Check

Requested Information Retrieved Information

First Name: Oscar

No Court records found
Middle Name:
Last Name: Ruiz
DOB: 2/23/1976

SSN: XXX-XX-8225
Address: 220 Avenue A New York, NY 10009
Search Type: LT Records
FACTTM 6/13/2025 10:42
Former Address Consumer Tracker

Requested Information Retrieved Information

First Name: OSCAR 34 ADDRESS RECORDS FOUND
Last Name: RUIZ SSN IS VALID. ISSUED IN GA
SSN: XXX-XX-8225 IN THE YEAR 2004
Quote Back: 5664664

Summary Information
NAME VARIATIONS: 9 UNIQUE JURISDICTIONS: 2 # of UNIQUE ADDRESSES: 5

RUIZ OSCAR GA DEKALB

RUIZ OSCAR EDUARDO GA GWINNETT
RUIZ OSCAR RUIZ
RUIZ OSCER
RUIZ RUIZ O
RUIZ RUIZ OSCAR E SR
RUIZ RUIZ OSCAR EDUARDO
RUIZRUIZ OSCAR E SR
RUIZRUIZ OSCAR EDUARDO

INFORMATION CONTAINED IN THIS REPORT IS NOT VERIFIED AND CANNOT BE USED TO MAKE ANY DECISIONS REGARDING
THE APPLICANT. THE SSN VALIDATION DOES NOT CONFIRM THAT THE INFORMATION LISTED IS ACCURATE. THIS
INFORMATION IS FOR REFERENCE ONLY AND IS NOT A CONSUMER INVESTIGATION REPORT.
Personal Information
Name Oscar Ruiz Social Security 668-22-8225
Date of Birth 11/18/2000 Suffix -
Phone +1 (404) 759-3685 Email pruiz1118@gmail.com

Address 220 Avenue A Apartment 3B
City New York State NY
Zip 10009 County New York County
How long have you lived at this address? 5 Years 0 Months

Landlord Information (Verification)

Name Vivian Aulet Phone +1 (212) 255-5587
Email va@kinseyllc.com Current Rent 1750
Reason for Moving Too pricey How long at this apartment 5 years

Employment / Income
Company Name Orange Roof Start 03/15/2025
Current yes Position Owner
Supervisor Name Self Email pruiz1118@gmail.com
Phone +1 (404) 759-3685 Fax -
Income 151000 Salary Type yearly
Address - Suite/Apt -
City - State -
Zip - County -
List Additional Income/2nd Job Previous Occupation and Salary 48,000
Paris Ruiz’s Job - Fundraiser / 3Sixty Fundraising
Total Income 198,000

Additional Information
Apartment # Applying for All Desired Move-in Date 06/25/2025
Pets no Notes
I’m a career contractor who’s got a son living in New York City.
He just graduated from college so his student loans have
lowered his credit significantly, but he is currently working in a
sales position and is slated to make about $1,600 a week
gross. Our previous apartment he was in for 5 years, and we
can show a history of 100% on time payments. Excited to see
the possibilities for us here!
Please list additional occupants and age: Paris Ruiz (sole occupant, son) 24

Background Information
Have you ever filed for bankruptcy? no Have you ever been convicted of a crime? no
 Parkstone Realty
Application Number: 3137824
06/19/2025

Paris Ruiz, 24 Transunion Credit Report - 536

Applying for: All Registry History - No Records Found
Move In Date: 06/25/2025

DOB:11/18/2000 Company 3Sixty Fundraising

SSN: 670-10-3284 Position Team Leader
Address : 220 Avenue a Apt 3B Salary $50,000.00 yearly
New York NY 10009 New York County Supervisor Name Alex Mayes
Phone: +1 (404) 759-3685 Supervisor E-mail alex.mayes@3sixtyfundraising.com
Email: pruiz1118@gmail.com Supervisor Phone +1 (929) 438-8178
Since 03/15/2025
List additional income/2nd job N/A
Previous occupation and salary N/A
Total income 50,000
TRANS UNION Credit Profile Report
TRANS UNION
2 BALDWIN PLACE, P.O. BOX 1000
CHESTER, PA 19016
800-888-4213
Date Reported: 6/19/2025

Personal Information

Name: PARIS E RUIZ Date of Birth: 11/18/2000

SSN: 670-10-3284 Phone:
On File Since: 2/13/2014

Address: 220 AVENUE A 3B

NEW YORK NY 10009
Reported On: 1/31/2022

Address: 2598 LAURELWOOD Road

ATLANTA GA 30360
Reported On: 10/18/2019

Address: 120 E 12TH Street 2306A

NEW YORK NY 10003
Reported On:
Name: RUIZ,PARIS,XX Date of Birth: Unknown
On File Since: 2/13/2014

Employment Information

Company Name: EMPLOYED Date Hired: Occupation:

Date Reported: Income:
Separation Date:
Company Name: ORANGE ROOF CONTRACTORS INC Date Hired: Occupation:
Date Reported: Income:
Separation Date:

Report Summary

Total # of Trades: 14 30 Days: 4 Accounts Balance: $44,716

Current Trades: 14 60 Days: 4 Mnthly Payment: $937
Unrated Trades: N/A 90+ Days: 4 Credit Limit: $16,000
Curr Neg Trades: 0 Inquiries: 0 High Credit: $104,894
Hist Neg Trades: 5 Inq. last 6 mnths: 0 Total Real Est. Bal.: $0
No. of Accts Paid: 9 Public Records: 0 Total Rev. Bal.: $16,634
Curr Past Due: 0 Collections: 0 Tot. Installment Bal.: $28,082
Amount Past Due: $628 Oldest Trade: 11/21/2016 Available %: -4
Scorecards

Scorecard: VantageScore 3.0

Score: 536
Reasons: (12) The date that you opened your oldest account is too recent
(44) Too many bankcard or revolving accounts with delinquent or derogatory status
(65) Lack of sufficient relevant first mortgage account information
(34) Total of all balances on bankcard or revolving accounts is too high
No alert information is found in the file and/or inquiries do not impact the credit score
For information regarding this report's compliance with new Risk Based Pricing, please click this link .
Click this link for signature page version .
Trade Lines

Firm Name/ID Opened Credit Limit Balance MoPmnt 30 60 90

Account Number Reported High Credit Past Due MoRep Pattern
KOB/Trade Type Acct. Type Chargeoff Orig. Amt. Date Closed
Status Lst. Paymnt. Closed Ind Owner Terms
Phone #
TARGET/TD/D 06476007 9/4/2024 $300 $628 - - - -
585975219065 5/29/2025 $628 $628 0 -
Department, / Credit Card Revolving - - 5/2/2025
(09)Charged off as bad debt - closed chargoff Individual account -

Canceled by credit grantor

SYNCB/PPC/B 0999221L 4/1/2020 $1,750 $1,804 $59 0 0 0
604419101584 6/6/2025 $1,918 $0 48 1111111111111
Banks / Credit Card Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 6/2/2025 - Individual account MIN

DISCOVERCARD/B 09616003 4/21/2019 $4,300 $4,274 $86 0 0 0

601100989176 6/5/2025 $4,274 $0 48 1111111111111
Banks / Credit Card Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 6/2/2025 - Individual account MIN

SYNCB/GUITAR/F 0999215P 11/27/2022 $500 $159 $11 0 0 0

602052281924 6/4/2025 $511 $0 31 1111111111111
Finance, / Charge Account Revolving - - 1/3/2025 1111111111111
11111111
(01)Paid or paying as agreed 5/27/2025 closed normally Individual account MIN

Canceled by credit grantor

AMEX/B 021WB001 6/3/2019 $1,000 $180 $40 0 0 0
3499927055816133 6/3/2025 $2,940 $0 48 1111111111111
Banks / Credit Card Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed - - Individual account MIN

EDFINANCIAL/E 039ED388 9/1/2022 - $2,174 $22 0 0 0

E00620220901230418 5/31/2025 $2,000 $0 32 111XXXXXX1XXX
Employment / Student Loan Installment - - - XXXXXXXXXXXX1
XX1XXXXX1
(01)Paid or paying as agreed - - Individual account 120 Months

EDFINANCIAL/E 039ED388 9/1/2022 - $5,578 $58 0 0 0

E00520220901230418 5/31/2025 $5,500 $0 32 111XXXXXX1XXX
Employment / Student Loan Installment - - - XXXXXXXXXXXX1
XX1XXXXX1
(01)Paid or paying as agreed - - Individual account 120 Months

EDFINANCIAL/E 039ED388 8/24/2021 - $2,130 $21 0 0 0

E00420210824230418 5/31/2025 $2,000 $0 45 111XXXXXX1XXX
Employment / Student Loan Installment - - - XXXXXXXXXXXX1
XX1XXXXXXXXXXXX
XX11111

(01)Paid or paying as agreed - - Individual account 120 Months

EDFINANCIAL/E 039ED388 8/24/2021 - $4,548 $44 0 0 0

E00320210824230418 5/31/2025 $4,500 $0 45 111XXXXXX1XXX
Employment / Student Loan Installment - - - XXXXXXXXXXXX1
XX1XXXXXXXXXXXX
XX11111

(01)Paid or paying as agreed - - Individual account 120 Months

Firm Name/ID Opened Credit Limit Balance MoPmnt 30 60 90
Account Number Reported High Credit Past Due MoRep Pattern
KOB/Trade Type Acct. Type Chargeoff Orig. Amt. Date Closed
Status Lst. Paymnt. Closed Ind Owner Terms
Phone #

EDFINANCIAL/E 039ED388 8/24/2019 - $2,086 $22 0 0 0

E00220190824230418 5/31/2025 $2,000 $0 48 111XXXXXXXXXX
Employment / Student Loan Installment - - - XXXXXXXXXXXX1
XX1XXXXXXXXXXXX
XX11111111

(01)Paid or paying as agreed 9/5/2023 - Individual account 120 Months

EDFINANCIAL/E 039ED388 8/24/2019 - $3,521 $36 0 0 0

E00120190824230418 5/31/2025 $3,500 $0 48 111XXXXXXXXXX
Employment / Student Loan Installment - - - XXXXXXXXXXXX1
XX1XXXXXXXXXXXX
XX11111111

(01)Paid or paying as agreed 9/5/2023 - Individual account 120 Months

GS BANK USA/B 02GSZ001 8/28/2019 $3,750 $3,831 $118 1 1 1

1100 5/31/2025 $4,089 $0 48 1432111111111
Banks / Credit Card Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 5/15/2025 - Individual account MIN

EDFINANCIAL/E 039ED388 8/26/2023 - $1,096 $11 0 0 0

E00820230826230828 5/31/2025 $1,000 $0 21 1111111111111
Employment / Student Loan Installment - - - 11111111
(01)Paid or paying as agreed - - Individual account 120 Months

EDFINANCIAL/E 039ED388 8/26/2023 - $2,793 $29 0 0 0

E00720230826230828 5/31/2025 $2,750 $0 21 1111111111111
Employment / Student Loan Installment - - - 11111111
(01)Paid or paying as agreed - - Individual account 120 Months

CBNA/B 0292F031 5/30/2021 $2,800 $1,339 $94 1 1 2

426938016013 5/28/2025 $2,044 $0 47 5432111111111
Banks / Credit Card Revolving - - 3/28/2025 1111111111111
11111111111111111111
1111

(01)Paid or paying as agreed 5/23/2025 closed normally Individual account MIN

Canceled by credit grantor

SYNCB/PPMC/B 0235061Z 1/16/2022 $1,000 $1,255 $86 1 1 1
521853103678 5/25/2025 $1,639 $0 40 1432111111111
Banks / Credit Card Revolving - - 2/21/2025 1111111111111
11111111111111111
(01)Paid or paying as agreed 4/20/2025 closed normally Individual account MIN

Canceled by credit grantor

AMEX/B 021WB001 7/17/2023 $59,500 $9,007 $180 0 0 0
3499931405591013 5/21/2025 $20,440 $0 21 1111111111111
Banks / Credit Card Revolving - - - 11111111
(01)Paid or paying as agreed - - Authorized MIN
account

AMEX/B 021WB001 7/1/2022 $1,000 $0 - 0 0 0

3499930048040153 5/14/2025 $1,033 $0 33 1111111111111
Banks / Credit Card Revolving - - - 1111111111111
1111111111
(01)Paid or paying as agreed - - Authorized -
account
Firm Name/ID Opened Credit Limit Balance MoPmnt 30 60 90
Account Number Reported High Credit Past Due MoRep Pattern
KOB/Trade Type Acct. Type Chargeoff Orig. Amt. Date Closed
Status Lst. Paymnt. Closed Ind Owner Terms
Phone #
SALLIE MAE/B 02EMP001 6/18/2021 - $4,156 $89 0 0 0
5852500046340995 5/11/2025 $66,201 $0 44 11XXXXXXXXXXX
Banks / Student Loan Installment - - - XXXXXXXXXX111
1111111
(01)Paid or paying as agreed 3/6/2025 - Joint account 180 Months

CCB/B&HPHOTO/J 01NZ8396 2/16/2023 $2,900 $3,164 $111 1 1 0

578097120125 5/9/2025 $3,357 $0 26 1321111111111
Jewelry, / Charge Account Revolving - - 2/7/2025 1111111111111
111
(01)Paid or paying as agreed 3/29/2025 closed normally Individual account MIN

Canceled by credit grantor

CAPITAL ONE/B 01DTV001 11/21/2016 $5,200 $0 - 0 0 0
517805768075 10/7/2024 $2,222 $0 48 1111111111111
Banks / Credit Card Revolving - - - 1111111111111
11111111111111111111
11111

(01)Paid or paying as agreed 8/16/2024 - Account -

terminated

Account closed by consumer

AMEX/B 021WB001 6/11/2022 - $0 - 0 0 0
3499929974800033 8/9/2024 $0 $0 24 1111111111111
Banks / Credit Card Open - - 7/24/2024 11111111111
1
(01)Paid or paying as agreed - closed normally Account -
terminated

Account closed by consumer

CITIZENSONE/B 07421116 5/20/2021 $2,500 $0 - 0 0 0
605830102915 7/3/2023 $879 $0 25 1111111111111
Banks / Line of Credit Overdraft/res - - 2/3/2023 111111111111
erve checking
11
(01)Paid or paying as agreed 1/12/2022 closed normally Individual account -

SYNCB/GUITAR/F 0999215P 7/1/2020 $950 $0 - 0 0 0

602052281609 1/11/2023 $1,058 $0 30 1111111111111
Finance, / Charge Account Revolving - - 10/11/2022 1111111111111
1111111
(01)Paid or paying as agreed 1/13/2022 closed normally Individual account -

Canceled by credit grantor

SYNCB/B&H/F 0999221N 11/13/2020 $1,140 $0 - 0 0 0
601917141221 7/21/2022 $2,000 $0 20 1111111111111
Finance, / Charge Account Revolving - - 4/4/2022 1111111
(01)Paid or paying as agreed 8/26/2021 closed normally Individual account -

Closed
CCB/GAMESTOP/D 01NZ8269 9/28/2020 $250 $0 - 0 0 0
778840003896 11/13/2021 $0 $0 13 1111111111111
Department, / Charge Account Revolving - - 10/25/2021
(01)Paid or paying as agreed - closed normally Individual account -

Canceled by credit grantor

EMVLP, LLC/F 02HFJ001 7/5/2019 - $0 $0 0 0 0
855259118400001 5/14/2021 $11,890 $0 22 1111111111111
Finance, / Automobile Installment - - 5/14/2021 111111111
(01)Paid or paying as agreed 5/14/2021 closed normally Individual account 36 Months

Closed
Warning Messages

VantageScore 3.0 - 4-Default product delivered /

Credit data not suppressed
Score Derogatory Alert Flag: No alert information is found in the file and/or inquiries do not impact the credit score

Registry Check

Requested Information Retrieved Information

First Name: Paris

No Court records found
Middle Name:
Last Name: Ruiz
DOB: 11/18/2000
SSN: XXX-XX-3284
Address: 220 Avenue A New York, NY 10009
Search Type: LT Records
FACTTM 6/19/2025 9:34
Former Address Consumer Tracker

Requested Information Retrieved Information

First Name: PARIS 8 ADDRESS RECORDS FOUND
Last Name: RUIZ SSN IS VALID. ISSUED IN GA
SSN: XXX-XX-3284 IN THE YEAR 2000-2001
Quote Back: 5685143

Summary Information
NAME VARIATIONS: 3 UNIQUE JURISDICTIONS: 2 # of UNIQUE ADDRESSES: 4

RUIZ PARIS GA DEKALB

RUIZ PARIS ETIENNE NY NEW YORK
RUIZ PARIS X

INFORMATION CONTAINED IN THIS REPORT IS NOT VERIFIED AND CANNOT BE USED TO MAKE ANY DECISIONS REGARDING
THE APPLICANT. THE SSN VALIDATION DOES NOT CONFIRM THAT THE INFORMATION LISTED IS ACCURATE. THIS
INFORMATION IS FOR REFERENCE ONLY AND IS NOT A CONSUMER INVESTIGATION REPORT.
Personal Information
Name Paris Ruiz Social Security 670-10-3284
Date of Birth 11/18/2000 Suffix -
Phone +1 (404) 759-3685 Email pruiz1118@gmail.com

Address 220 Avenue A Apartment 3B
City New York State NY
Zip 10009 County New York County
How long have you lived at this address? 5 Years 0 Months

Landlord Information (Verification)

Name Vivian Aulet Phone +1 (212) 255-5587
Email va@kinseyllc.com Current Rent 1750
Reason for Moving Too expensive now How long at this apartment 5 years

Employment / Income
Company Name 3Sixty Fundraising Start 03/15/2025
Current yes Position Team Leader
Supervisor Name Alex Mayes Email alex.mayes@3sixtyfundraising.com
Phone +1 (929) 438-8178 Fax -
Income 50000 Salary Type yearly
Address - Suite/Apt -
City - State -
Zip - County -
List Additional Income/2nd Job N/A Previous Occupation and Salary N/A
Total Income 50,000

Additional Information
Apartment # Applying for All Desired Move-in Date 06/25/2025
Pets no Notes

Please list additional occupants and age: -

Background Information
Have you ever filed for bankruptcy? no Have you ever been convicted of a crime? no
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