Credit Report

Generated on Jan 21, 2023

Expires on Feb 20, 2023

Astrid C Arboleda
 tistis85@yahoo.com  (973) 870-1849
All of the information on the screening reports comes directly from TransUnion SmartMove. If there is any information on the screening reports
that you feel is not correct, you can contact TransUnion at 866-775-0961 and provide your email address.

Personal Info

ResidentScore

Score Factor(s)
Too many inquiries

350
658 850
Recency of a balance overlimit on a bankcard account
Bankcard account balances are too high in proportion to credit limits
Number of delinquent accounts is too high in proportion to total number of
accounts

Employment

Employer JETAIR HVAC Address

Employed on - -
Verif ied on Jan 03, 2017

Address(es) Reported

Address Reported on Jan 21, 2022

2371 SW 15TH ST, 101, DEERFIELD BEACH, FL 33442

Address Reported on Jan 02, 2014

118 LEWIS ST, 2, PATERSON, NJ 07501

Address Reported on -
21 E 20TH ST, 1, PATERSON, NJ 07513
 Profile Summary

Record Counts

Tradelines Credit Inquiries

20 active / 7 closed account(s) 12 inquiries

Collections Public Records

0 open / 0 closed account(s) 0 records

Derogatory Items

Negative Trades 5 Occurrence of Historical Negatives 7

Tradelines with any Historical Negatives 1

Fraud Indicator(s)

Current address mismatch - input does not match file.

Tradelines

Tradeline Summary

Count High Credit Credit Limit Balance Past Due Payment Available

Revolving 22 $13,418 $23,650 $8,834 $0 $509 63%

Installment 5 $20,000 $0 $20,000 $0 $0 0%
Mortgage 0 $0 $0 $0 $0 $0 0%
Open 0 $0 $0 $0 $0 $0 0%
Closed w Bal 0 $0 $0 $0 $0 $0 0%
Total 27 $33,418 $23,650 $28,834 $0 $509 0%

Tradeline Total

Balance Total $28,834

Active Accounts Closed Accounts
Total Credit Limit $32,020
20 7 Total Past Due $0
 Trades

1. CREDITONEBNK $593
Active 99% of Credit Limit

Last Reported Jan 18, 2023 Opened Date Jan 06, 2022
Account Type Revolving Closed Date -
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Jan 18, 2023
Limit $600
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $30
Responsibility Individual account 2022           

Highest Balance $611

Late Payment Summary (11 months) -
Payment Status Paid or paying as agreed
120 0 90 0 60 0 30 0
Worst Payment Status -
Amount Past Due $0
Remarks -

2. SYNCB/WALG $639
Active 43% of Credit Limit

Last Reported Jan 13, 2023 Opened Date Dec 08, 2022
Account Type Revolving Closed Date -
Industry Department stores Paid out Date -
Loan Type Charge Account Verif ied Date Jan 13, 2023
Limit $1,500
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $29
Responsibility Individual account 2022 

Highest Balance $639

Late Payment Summary (1 months) -
Payment Status Paid or paying as agreed
120 0 90 0 60 0 30 0
Worst Payment Status -
Amount Past Due $0
Remarks -
 3. WEBBANKAVANT $742
Active 99% of Credit Limit

Last Reported Jan 11, 2023 Opened Date Sep 15, 2020
Account Type Revolving Closed Date -
Industry Finance, personal Paid out Date -
Loan Type Credit Card Verif ied Date Jan 11, 2023
Limit $750
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $26
Responsibility Individual account 2022            

Highest Balance $803 2021            

Payment Status Paid or paying as agreed 2020   

Worst Payment Status -

Late Payment Summary (27 months) -
Amount Past Due $0
120 0 90 0 60 0 30 0
Remarks -

4. FIRST SVG CC $327

Active 93% of Credit Limit

Last Reported Jan 10, 2023 Opened Date Feb 03, 2022
Account Type Revolving Closed Date -
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Jan 10, 2023
Limit $350
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $30
Responsibility Individual account 2022           

Highest Balance $357

Late Payment Summary (11 months) -
Payment Status Paid or paying as agreed
120 0 90 0 60 0 30 0
Worst Payment Status -
Amount Past Due $0
Remarks -
 5. TBOM/CONTFIN $962
Active 96% of Credit Limit

Last Reported Jan 10, 2023 Opened Date Nov 27, 2022
Account Type Revolving Closed Date -
Industry Finance, personal Paid out Date -
Loan Type Credit Card Verif ied Date Jan 10, 2023
Limit $1,000
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $39
Responsibility Individual account 2023
Highest Balance $992 Late Payment Summary (0 months) -
Payment Status Paid or paying as agreed
120 0 90 0 60 0 30 0
Worst Payment Status -
Amount Past Due $0
Remarks -

6. CB INDIGO $305
Active 102% of Credit Limit

Last Reported Jan 09, 2023 Opened Date Feb 18, 2020
Account Type Revolving Closed Date -
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Jan 09, 2023
Limit $300
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $40
Responsibility Individual account 2022            

Highest Balance $314 2021            

Payment Status Paid or paying as agreed 2020          

Worst Payment Status -

Late Payment Summary (34 months) -
Amount Past Due $0
120 0 90 0 60 0 30 0
Remarks -
 7. FNCC $466
Active 93% of Credit Limit

Last Reported Jan 06, 2023 Opened Date Mar 31, 2022
Account Type Revolving Closed Date -
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Jan 06, 2023
Limit $500
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $30
Responsibility Individual account 2022         

Highest Balance $512

Late Payment Summary (9 months) -
Payment Status Paid or paying as agreed
120 0 90 0 60 0 30 0
Worst Payment Status -
Amount Past Due $0
Remarks -

8. TBOM/MILSTNE $672
Active 96% of Credit Limit

Last Reported Jan 03, 2023 Opened Date Aug 10, 2022
Account Type Revolving Closed Date -
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Jan 03, 2023
Limit $700
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $48
Responsibility Individual account 2022    

Highest Balance $719

Late Payment Summary (4 months) -
Payment Status Paid or paying as agreed
120 0 90 0 60 0 30 0
Worst Payment Status -
Amount Past Due $0
Remarks -
 9. EDFINANCIAL $4,034
Active 0% of Credit Limit

Last Reported Dec 31, 2022 Opened Date May 27, 2020
Account Type Installment Closed Date -
Industry Employment Paid out Date -
Loan Type Student Loan Verif ied Date Dec 31, 2022
Limit -
Payment History -
Term 120
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2022 N/A          

Highest Balance $4,034 2021 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Payment Status Paid or paying as agreed 2020  N/A N/A N/A N/A N/A N/A N/A

Worst Payment Status -

Late Payment Summary (31 months) -
Amount Past Due $0
120 0 90 0 60 0 30 0
Remarks -

10. EDFINANCIAL $3,500

Active 0% of Credit Limit

Last Reported Dec 31, 2022 Opened Date May 27, 2020
Account Type Installment Closed Date -
Industry Employment Paid out Date -
Loan Type Student Loan Verif ied Date Dec 31, 2022
Limit -
Payment History -
Term 120
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2022 N/A          

Highest Balance $3,500 2021 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Payment Status Paid or paying as agreed 2020  N/A N/A N/A N/A N/A N/A N/A

Worst Payment Status -

Late Payment Summary (31 months) -
Amount Past Due $0
120 0 90 0 60 0 30 0
Remarks -
 11. EDFINANCIAL $1,966
Active 0% of Credit Limit

Last Reported Dec 31, 2022 Opened Date Oct 23, 2020
Account Type Installment Closed Date -
Industry Employment Paid out Date -
Loan Type Student Loan Verif ied Date Dec 31, 2022
Limit -
Payment History -
Term 120
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2022 N/A          

Highest Balance $1,966 2021 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Payment Status Paid or paying as agreed 2020  N/A N/A

Worst Payment Status -

Late Payment Summary (26 months) -
Amount Past Due $0
120 0 90 0 60 0 30 0
Remarks -

12. EDFINANCIAL $4,500

Active 0% of Credit Limit

Last Reported Dec 31, 2022 Opened Date Feb 03, 2021
Account Type Installment Closed Date -
Industry Employment Paid out Date -
Loan Type Student Loan Verif ied Date Dec 31, 2022
Limit -
Payment History -
Term 120
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2022 N/A          

Highest Balance $4,500 2021  N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Payment Status Paid or paying as agreed

Late Payment Summary (22 months) -
Worst Payment Status -
120 0 90 0 60 0 30 0
Amount Past Due $0
Remarks -
 13. EDFINANCIAL $6,000
Active 0% of Credit Limit

Last Reported Dec 31, 2022 Opened Date Feb 03, 2021
Account Type Installment Closed Date -
Industry Employment Paid out Date -
Loan Type Student Loan Verif ied Date Dec 31, 2022
Limit -
Payment History -
Term 120
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2022 N/A          

Highest Balance $6,000 2021  N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Payment Status Paid or paying as agreed

Late Payment Summary (22 months) -
Worst Payment Status -
120 0 90 0 60 0 30 0
Amount Past Due $0
Remarks -

14. MACYS/CBNA $115

Active 19% of Credit Limit

Last Reported Dec 30, 2022 Opened Date Dec 22, 2022
Account Type Revolving Closed Date -
Industry Department stores Paid out Date -
Loan Type Charge Account Verif ied Date Dec 30, 2022
Limit $600
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $30
Responsibility Individual account 2023
Highest Balance $115
Late Payment Summary (0 months) -
Payment Status Paid or paying as agreed
120 0 90 0 60 0 30 0
Worst Payment Status -
Amount Past Due $0
Remarks -
 15. BRCLYOLDNAVY $380
Active 76% of Credit Limit

Last Reported Dec 26, 2022 Opened Date Nov 14, 2021
Account Type Revolving Closed Date -
Industry Banks Paid out Date -
Loan Type Charge Account Verif ied Date Dec 26, 2022
Limit $500
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $30
Responsibility Individual account 2022           

Highest Balance $380 2021  

Payment Status Paid or paying as agreed

Late Payment Summary (13 months) -
Worst Payment Status -
120 0 90 0 60 0 30 0
Amount Past Due $0
Remarks -

16. JPMCB CARD $29

Active < 1% of Credit Limit

Last Reported Dec 25, 2022 Opened Date Aug 28, 2019
Account Type Revolving Closed Date -
Industry Banks Paid out Date -
Loan Type - Verif ied Date Dec 25, 2022
Limit $8,000
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $29
Responsibility Authorized user on account 2022           

Highest Balance $3,415 2021            

Payment Status Paid or paying as agreed 2020            

Worst Payment Status - 2019    
Amount Past Due $0
Late Payment Summary (39 months) -
Remarks -
120 0 90 0 60 0 30 0
 17. FEB DESTINY $260
Active 87% of Credit Limit

Last Reported Dec 22, 2022 Opened Date Mar 03, 2021
Account Type Revolving Closed Date -
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Dec 22, 2022
Limit $300
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $40
Responsibility Individual account 2022           

Highest Balance $364 2021          

Payment Status Paid or paying as agreed

Late Payment Summary (21 months) -
Worst Payment Status -
120 0 90 0 60 0 30 0
Amount Past Due $0
Remarks -

18. CREDITONEBNK $1,076

Active 102% of Credit Limit

Last Reported Dec 21, 2022 Opened Date Jan 10, 2017
Account Type Revolving Closed Date -
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Dec 21, 2022
Limit $1,050
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $54
Responsibility Individual account 2022           

Highest Balance $1,076 2021            

Payment Status Paid or paying as agreed 2020            

Worst Payment Status - 2019            
Amount Past Due $0 2018 
Remarks -
Late Payment Summary (48 months) -

120 0 90 0 60 0 30 0
 19. CBNA $955
Active 96% of Credit Limit

Last Reported Dec 20, 2022 Opened Date May 23, 2022
Account Type Revolving Closed Date -
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Dec 20, 2022
Limit $1,000
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $29
Responsibility Individual account 2022      

Highest Balance $1,065

Late Payment Summary (6 months) -
Payment Status Paid or paying as agreed
120 0 90 0 60 0 30 0
Worst Payment Status -
Amount Past Due $0
Remarks -

20. WELLS FARGO $1,313

Active 20% of Credit Limit

Last Reported Dec 18, 2022 Opened Date Apr 25, 2018
Account Type Revolving Closed Date -
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Dec 18, 2022
Limit $6,500
Payment History -
Term MIN
J F M A M J J A S O N D
Monthly Payment $25
Responsibility Authorized user on account 2022           

Highest Balance $2,056 2021            

Payment Status Paid or paying as agreed 2020            

Worst Payment Status - 2019            
Amount Past Due $0 2018 
Remarks -
Late Payment Summary (48 months) -

120 0 90 0 60 0 30 0
 21. CB/MANDEE $0
Closed 0% of Credit Limit

Last Reported Jul 07, 2018 Opened Date Nov 28, 2011
Account Type Revolving Closed Date Mar 01, 2018
Industry Clothing Paid out Date -
Loan Type Charge Account Verif ied Date Jul 07, 2018
Limit $1,320
Payment History -
Term -
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2023
Highest Balance $1,685
Late Payment Summary (0 months) -
Payment Status Charged o as bad debt
120 0 90 0 60 0 30 0
Worst Payment Status -
Amount Past Due $0
Remarks Purchased by another
lender

22. WELLS FARGO $0

Closed 0% of Credit Limit

Last Reported Dec 31, 2021 Opened Date Sep 09, 2016
Account Type Revolving Closed Date Jun 01, 2018
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Dec 31, 2021
Limit $2,000
Payment History -
Term -
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2023
Highest Balance $2,584
Late Payment Summary (0 months) -
Payment Status Payment a er charge
120 0 90 0 60 0 30 0
o /collection
Worst Payment Status -
Amount Past Due $0
Remarks Settled—less than full
balance
 23. MERRICK BK $0
Closed 0% of Credit Limit

Last Reported Aug 13, 2020 Opened Date Feb 08, 2015
Account Type Revolving Closed Date Jul 04, 2018
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Aug 13, 2020
Limit $1,600
Payment History -
Term -
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2023
Highest Balance $1,849
Late Payment Summary (0 months) -
Payment Status Payment a er charge
120 0 90 0 60 0 30 0
o /collection
Worst Payment Status -
Amount Past Due $0
Remarks Settled—less than full
balance

24. CAPITAL ONE $0

Closed 0% of Credit Limit

Last Reported Jun 23, 2020 Opened Date Mar 28, 2012
Account Type Revolving Closed Date Dec 02, 2018
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Jun 23, 2020
Limit $750
Payment History -
Term -
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2023
Highest Balance $1,015
Late Payment Summary (0 months) -
Payment Status Payment a er charge
120 0 90 0 60 0 30 0
o /collection
Worst Payment Status -
Amount Past Due $0
Remarks Settled—less than full
balance
 25. SYNCB/TOYS $0
Closed 0% of Credit Limit

Last Reported Feb 24, 2020 Opened Date Oct 11, 2015
Account Type Revolving Closed Date Sep 13, 2017
Industry Department stores Paid out Date -
Loan Type Charge Account Verif ied Date Feb 24, 2020
Limit $1,200
Payment History -
Term -
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2023
Highest Balance $1,639
Late Payment Summary (0 months) -
Payment Status Payment a er charge
120 0 90 0 60 0 30 0
o /collection
Worst Payment Status -
Amount Past Due $0
Remarks Settled—less than full
balance

26. TBOM/MILSTNE $0
Closed 0% of Credit Limit

Last Reported Feb 22, 2022 Opened Date Jul 27, 2021
Account Type Revolving Closed Date Dec 28, 2021
Industry Banks Paid out Date -
Loan Type Credit Card Verif ied Date Feb 22, 2022
Limit $700
Payment History -
Term -
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2022 

Highest Balance $188 2021     

Payment Status Paid or paying as agreed

Late Payment Summary (6 months) -
Worst Payment Status -
120 0 90 0 60 0 30 0
Amount Past Due $0
Remarks Inactive account
 27. SYNCB/WALMAR $0
Closed 0% of Credit Limit

Last Reported Oct 24, 2018 Opened Date Dec 17, 2015
Account Type Revolving Closed Date May 22, 2018
Industry Department stores Paid out Date -
Loan Type Charge Account Verif ied Date Oct 24, 2018
Limit $800
Payment History -
Term -
J F M A M J J A S O N D
Monthly Payment -
Responsibility Individual account 2018   30 30 60 90 120 90 60

Highest Balance $1,108 2017            

Payment Status Paid or paying as agreed 2016            

Worst Payment Status - 2015 
Amount Past Due $0
Late Payment Summary (34 months) -
Remarks Settled—less than full
balance 120 1 90 2 60 2 30 2

Inquiries

Inquiries

Date Name Type of Business

12 Dec 2022 JPMCB CARD Banks
08 Dec 2022 SYNCB/WALG Banks
10 Aug 2022 TBOM/MILESTO Banks
10 May 2022 ONEMAIN Finance, personal
31 Mar 2022 1ST NATL BK Banks
03 Feb 2022 1ST SAVINGS Banks
08 Jan 2022 BRCLYSBANKDE Banks
28 Nov 2021 OLLO/TBOM Finance, personal
14 Nov 2021 SYNCB/OLD NA Credit card, travel/entertainment
17 Aug 2021 SYNCB/CC Finance, personal
27 Jul 2021 TBOM/MILESTO Banks
02 Mar 2021 FEB/DESTINY Banks
TransUnion RentSpree

 TransUnion SmartMove  RentSpree Inc.

 (866) 775-0961  (323) 515-7757
 6430 South Fiddlers Green Circle, Greenwood  15303 Ventura Blvd Suite 1150, Sherman Oaks, CA
Village, CO 80111 91403
 Background Check
Generated on Jan 21, 2023
Expires on Feb 20, 2023

Astrid C Arboleda
 tistis85@yahoo.com  (973) 870-1849
All of the information on the screening reports comes directly from TransUnion SmartMove. If there is any information on the screening reports
that you feel is not correct, you can contact TransUnion at 866-775-0961 and provide your email address.


No Criminal Records.

TransUnion RentSpree

 TransUnion SmartMove  RentSpree Inc.

 (866) 775-0961  (323) 515-7757
 6430 South Fiddlers Green Circle, Greenwood  15303 Ventura Blvd Suite 1150, Sherman Oaks, CA
Village, CO 80111 91403

Attention

All data provided is intended solely for the customer who initially receives such data from the provider. The provider
cannot guarantee or warrant the accuracy, correctness, or completeness of the data. The provider delivers all data to
customers on an "as is" "as available" basis without any express or implied warranty, guaranty, or representation of any
kind concerning the data itself, its merchantability, or its fitness for a particular purpose or function. Neither the provider
nor any of their a iliates shall be liable for any damages of whatever kind may result from the customer"s reliance on (or
use of ) the data provided, even if the provider, or any of their a iliates has been alerted to the possibility of such
damages. The data information may include records that have been expunged, sealed, or otherwise have become
inaccessible to the public since that date. By accessing any such data, the customer acknowledges and agrees that the
customer has not relied on anything that may be inconsistent with this Legal Statement.

RentSpree does not guarantee the accuracy or truthf ulness of the inf ormation that is the subject of the
investigation, only that the inf ormation is accurately copied f rom public records. Inf ormation generated as a
result of identif y the , including evidence of criminal activity, may be inaccurately associated with the consumer
who is the subject of the report.
 Eviction Related Proceedings
Generated on Jan 21, 2023
Expires on Feb 20, 2023

Astrid C Arboleda
 tistis85@yahoo.com  (973) 870-1849
All of the information on the screening reports comes directly from TransUnion SmartMove. If there is any information on the screening reports
that you feel is not correct, you can contact TransUnion at 866-775-0961 and provide your email address.


No Eviction Records.

TransUnion RentSpree

 TransUnion SmartMove  RentSpree Inc.

 (866) 775-0961  (323) 515-7757
 6430 South Fiddlers Green Circle, Greenwood  15303 Ventura Blvd Suite 1150, Sherman Oaks, CA
Village, CO 80111 91403

Attention

All data provided is intended solely for the customer who initially receives such data from the provider. The provider
cannot guarantee or warrant the accuracy, correctness, or completeness of the data. The provider delivers all data to
customers on an "as is" "as available" basis without any express or implied warranty, guaranty, or representation of any
kind concerning the data itself, its merchantability, or its fitness for a particular purpose or function. Neither the provider
nor any of their a iliates shall be liable for any damages of whatever kind may result from the customer"s reliance on (or
use of ) the data provided, even if the provider, or any of their a iliates has been alerted to the possibility of such
damages. The data information may include records that have been expunged, sealed, or otherwise have become
inaccessible to the public since that date. By accessing any such data, the customer acknowledges and agrees that the
customer has not relied on anything that may be inconsistent with this Legal Statement.

RentSpree does not guarantee the accuracy or truthf ulness of the inf ormation that is the subject of the
investigation, only that the inf ormation is accurately copied f rom public records. Inf ormation generated as a
result of identif y the , including evidence of criminal activity, may be inaccurately associated with the consumer
who is the subject of the report.