Shauna Villarreal

Personal Credit Report for:
SHAUNA VILLARREAL
File Number:
354630127
Date Created:
04/09/2024
Visit transunion.com/dispute to start a dispute online.
 Personal Information
You have been on our files since 07/01/2001. Your SSN has been masked for your protection.
Credit Report Date
04/09/2024
Social Security Number
XXX-XX-8210
Date of Birth
09/17/1981
Name
SHAUNA L. SHELBY
Also Known As
AKA
SHAUNA LYNN SHELBY
AKA
SHAUNA L. VILLARREAL
AKA
SHAWNA L. VILLARREAL
Addresses
Current Address
1608 W MONTPELIER ST BROKEN ARROW, OK 74012-0740
Date Reported
11/04/2015
https://annualcreditreport.transunion.com/dss/disclosure.page 1/88
Other Address
1222 E 4TH ST APT 2 MERIDIAN, ID 83642-1776
Date Reported
01/15/2007
Other Address
596 E PENNSYLVANIA ST BOISE, ID 83706-4430
Date Reported
06/01/2001
Other Address
1222 E 44TH APT 2 MERIDIAN, ID 83642
Date Reported
06/20/2009
Other Address
1222 E 4TH ST APT 4 MERIDIAN, ID 83642-1776
Date Reported
10/01/2001
Other Address
1118 CORTEZ LOOP TWIN FALLS, ID 83301-8267
Date Reported
09/19/2011
Other Address
925 N CLARA AVE MERIDIAN, ID 83642-8501
Date Reported
01/31/2011
Other Address
1029 N WOLFSBURG AVE MERIDIAN, ID 83642-5011
Date Reported
07/20/2009
Other Address
1420 W ELM PL MERIDIAN, ID 83642-1915
Date Reported
02/20/2009
Other Address
1465 E BUCHMAN ST MERIDIAN, ID 83642-4035
Date Reported
09/20/2008
Other Address
1455 E BUCHMAN ST MERIDIAN, ID 83642-4035
Date Reported
10/27/2008
Other Address
2137 CANDLEWOOD AVE TWIN FALLS, ID 83301-8363
Date Reported
05/08/2015
Other Address
2681 SAGEBRUSH DR TWIN FALLS, ID 83301-7559
Date Reported
09/05/2012
Other Address
201 KING OF PRUSSIA RD STE 210 RADNOR, PA 19087-5148
Date Reported
12/11/2022
Phone Numbers
Phone Number
(208) 409-0992
Phone Number
(208) 888-7811
Phone Number
(208) 871-8331
Phone Number
(208) 888-3735
Phone Number
(208) 703-0012
Phone Number
(208) 353-8283
Phone Number
(208) 629-7247
Phone Number
(208) 608-0370
Employers
Employer
SELF EMPLOYED
Date Verified
07/18/2020
OOW
TRENDWEST RESORTS
 Accounts
Typically, creditors report any changes made to your account information monthly. This means that some accounts listed
below may not reflect the most recent activity until the creditor's next reporting. This information may include things such
as balances, payments, dates, remarks, ratings, etc. The rating key is provided to help you understand some of the account
information that could be reported. Pay Status represents the current status of accounts and indicates how you are
currently paying. For accounts that have been paid and closed, sold, or transferred, Pay Status represents the last
reported status of the account.
Payment/Remarks Key
Ratings
OK Current, paying or paid as agreed
N/R Not Reported
X Unknown
30 Account 30 days late
120 Account 120 or more days late
COL Transferred to collection
VS Voluntarily surrendered
RPO Repossession
C/O Charged off by account provider
FC Foreclosure
Remarks
AAP: Loan assumed by another party

ACQ: Acquired from another lender
ACR: Account closed due to refinance
ACT: Account closed due to transfer
AFR: Account acquired by RTC/FDIC
AID: Account information disputed by consumer
AJP: Adjustment pending
AMD: Active military duty
AND: Affected by natural disaster
BAL: Balloon payment
BKL: Included in bankruptcy
BKW: Bankruptcy withdrawn
CAD: Dispute account/closed by consumer
CBC: Account closed by consumer
CBD: Dispute resolved/consumer disagrees/closed by consumer
CBG: Canceled by credit grantor
CBL: Chapter 7 bankruptcy
CBR: Chapter 11 bankruptcy
CBT: Chapter 12 bankruptcy
CLA: Placed for collection
CLO: Closed
CLS: Credit line suspended
CRB: Collateral released—balance owing
CTR: Account closed—transfer to refinance
CTS: Contact subscriber
DDR: -none-
DLU: Deed in lieu
DM: Bankruptcy dismissed
DRC: Dispute resolved/consumer disagrees
DRG: Dispute resolved reported by credit grantor
ER: Election of remedy
ETB: Early termination/balance owing
ETI: Early termination by default
ETO: Early termination/obligation settled
ETS: Early termination/status pending
FCL: Foreclosure
FPD: Account paid, foreclosure started
FPI: Foreclosure initiated
FRD: Foreclosure collateral sold
FTB: Full termination/balance owing
FTO: Full termination/obligation satisfied
FTS: Full termination/status pending
INA: Inactive account
INP: Debt being paid through insurance
INS: Paid by insurance
IRB: Involuntary repossession/balance owing
IRE: Involuntary repossession
IRO: Involuntary repossession/obligation satisfied
JUG: Judgment granted
LA: Lease assumption
LMN: Loan Modified Not GOVT (government)
LNA: Credit line is no longer available
MCC: Managed by credit counseling service
MOV: No forwarding address
NIR: Student loan not in repayment
NPA: Now paying
PAL: Purchase by another lender
PCL: Paid collection
PDD: Paid by dealer
PDE: Payment deferred
PDI: Principle deferred/initial payment only
PFC: Account paid from collateral
PLL: Prepaid lease
PLP: Profit and loss now paying
PNR: First payment never received
PPA: Paying partial payment agreement
PPD: Paid by co-maker
PPL: Paid profit and loss
PRD: Payroll deduction
PRL: Profit and loss write-off
PWG: Account payment, wage garnish
REA: Reaffirmation of debt
REP: Substitute/replacement account
RFN: Refinanced
RPD: Paid repossession
RPO: Repossession
RRE: Repossession redeemed
RVN: Returned voluntarily
RVR: Returned voluntarily/redeemed
SET: Settled—less than full balance
SGL: Government secured guaranteed
SIL: Simple interest loan
SLP: Student loan perm assign government
SPL: Single payment loan
STL: Credit card lost/stolen
TRF: Transfer
TRL: Transferred to another lender
TTR: Transferred to recovery
WEP: Chapter 13 bankruptcy
For account information other than payment history, we may show brackets > < to indicate information that may
negatively affect your credit health.
Accounts with Adverse Information

Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you
understand what is generally considered adverse, we have added >brackets< to those items in this report. For your
protection, your account numbers have been partially masked, and in some cases scrambled. Please note: Accounts are
reported as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may
still incur late fees or interest charges if not paid on or before the due date. For any account that contains medical
information, the information following 'Medical-' is not displayed to anyone but you except where permitted by law.
Account Name
BARCLAYS BANK DELAWARE/OLD NAVY 00046389833****
Account Information
Address P.O. BOX 8803 WILMINGTON, DE 19899
Phone (866) 370-5931
Monthly Payment $30
Date Opened 12/22/2014
Responsibility Individual Account
Account Type Revolving Account
Loan Type CHARGE ACCOUNT
Balance $128
Date Updated 03/27/2024
Payment Received $40
Last Payment Made 03/23/2024
Pay Status Current; Paid or Paying as Agreed
Terms $30 per month; paid Monthly
High Balance (Hist.) High balance of $331 from 10/2021 to 03/2024
Credit Limit (Hist.) Credit limit of $200 from 10/2021 to 03/2024
Payment History
May 2017 June 2017 July 2017 August 2017 September 2017 October 2017
Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK
November 2017 December 2017 January 2018 February 2018 March 2018 April 2018

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK 30 OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK 30 30 30 OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- $136
--- --- --- --- --- $0
--- --- --- --- --- $50
--- --- --- --- --- $40

OK OK OK OK OK OK

$98 $60 $22 $23 $0 $0
$0 $0 $0 $0 $0 $0
$50 $40 $40 $22 $23 $0
$40 $40 $22 $23 --- ---

OK OK OK OK OK OK

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---

OK OK OK OK OK OK

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---

OK OK OK OK OK OK

$0 $0 $0 $0 $0 $68
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
--- --- --- --- --- $0

OK OK OK OK OK OK
November 2023 December 2023 January 2024 February 2024 March 2024
Balance Balance Balance Balance Balance

$155 $109 $102 $65 $128
Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$30 $30 $30 $40 $40
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$30 $30 $30 $30 $30
Rating Rating Rating Rating Rating

OK OK OK OK OK
Total Mo
BEST BUY/CBNA 603535136115****
Account Information
Address 5800 South Corporate Place SIOUX FALLS, SD 57108
Phone Phone number not available
Balance $1,682
Pay Status >Charge-off<
Terms Paid Monthly
Date Closed 11/21/2022
Credit limit of $2,000 from 10/2021 to 07/2022; $2,000

Credit Limit (Hist.) from 12/2022 to 03/2024
Estimated month and year this item will be removed 07/2029
Payment History
July 2020 August 2020 September 2020 October 2020 November 2020 December 2020

--- --- --- --- --- ---
High Credit High Credit High Credit High Credit High Credit High Credit
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
Remarks Remarks Remarks Remarks Remarks Remarks

--- CBG CBG --- PRL< CBG/>

OK OK OK OK OK OK
January 2021 February 2021 March 2021 April 2021 May 2021 June 2021

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- PRL< CBG/> --- PRL< CBG/>

OK OK OK OK OK OK

--- --- --- $1,694 $1,660 $1,639
--- --- --- $1,825 $1,825 $1,825
--- --- --- $0 $0 $0
--- --- --- $37 $37 $37


OK OK OK OK OK OK

$1,617 $2,154 $2,172 $2,146 $2,126 $2,102
$1,825 $2,154 $2,184 $2,184 $2,184 $2,184
$0 $0 $0 $0 $0 $0
$37 $61 $71 $68 $69 $67


OK OK OK OK OK OK

$1,779 --- --- --- --- $2,213
$2,184 --- --- --- --- $2,213
$0 --- --- --- --- $516
$95 --- --- --- --- $116


OK 30 60 90 120 120

$2,310 $2,403 $2,403 $2,403 $2,403 $2,403
$2,310 $2,403 $2,403 $2,403 $2,403 $2,403
$632 $2,403 $2,403 $2,403 $2,403 $2,403
$120 --- --- --- --- ---


120 C/O C/O C/O C/O C/O

$2,403 $2,313 $2,223 $2,132 $2,042 $1,952
$2,403 $2,403 $2,403 $2,403 $2,403 $2,403
$2,403 $2,313 $2,223 $2,132 $2,042 $1,952
--- --- --- --- --- ---


C/O C/O C/O C/O C/O C/O
January 2024 February 2024 March 2024
Balance Balance Balance

$1,862 $1,772 $1,682
High Credit High Credit High Credit

$2,403 $2,403 $2,403
Past Due Past Due Past Due

$1,862 $1,772 $1,682
Scheduled Payment Scheduled Payment Scheduled Payment

--- --- ---
Remarks Remarks Remarks

--- PRL< CBG/>
Rating Rating Rating

C/O C/O C/O
Total Mo
CAPITAL ONE 517805838344****
Account Information
Address P O Box 31293 Salt Lake City, UT 84131
Phone (800) 955-7070
Loan Type CREDIT CARD
Balance $0
Pay Status >Account paid in Full was a Charge-off<
Terms Paid Monthly
Date Paid 01/21/2024
Credit Limit (Hist.) Credit limit of $500 from 10/2021 to 03/2024
Payment History

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK 30

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK 30 30 OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

X OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- PRL< CBG/> --- PRL<

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

CBG/> --- PRL< CBG/> --- PRL<

OK OK OK OK OK OK

--- --- --- $439 $398 $0
--- --- --- $592 $592 $592
--- --- --- $0 $0 $0
--- --- --- $25 $25 ---


OK OK OK OK OK OK

$328 $471 $456 $476 $461 $445
$592 $592 $592 $592 $592 $592
$0 $0 $0 $0 $0 $0
$25 $25 $25 $25 $25 $25


OK OK OK OK OK OK

$466 $501 $553 $606 $620 $635
$592 $592 $592 $606 $620 $635
$0 $0 $25 $65 $121 $180
$25 $40 $56 $59 $25 $25


OK OK 30 60 90 120

$651 $666 $661 $656 $651 $646
$651 $666 $666 $666 $666 $666
$205 $666 $661 $656 $651 $646
$25 --- --- --- --- ---


120 C/O C/O C/O C/O C/O

$604 $562 $521 $479 $437 $396
$666 $666 $666 $666 $666 $666
$604 $562 $521 $479 $437 $396
--- --- --- --- --- ---

CBG/> --- PRL< CBG/> --- PPL<

January 2024 February 2024 March 2024
Balance Balance Balance

$354 $313 $0
High Credit High Credit High Credit

$666 $666 $666
Past Due Past Due Past Due

$354 $313 $0
Scheduled Payment Scheduled Payment Scheduled Payment

--- --- ---
Remarks Remarks Remarks

/> SET< >
Rating Rating Rating

C/O C/O C/O
Total M
CAPITAL ONE/WALMART 603220370022****
Account Information
Address PO BOX 31293 SALT LAKE CITY, UT 84131
Phone (800) 955-7070
Balance $1,494
Payment Received $0
Terms Paid Monthly

Payment History
October 2019 November 2019 December 2019 January 2020 February 2020 March 2020

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK
April 2020 May 2020 June 2020 July 2020 August 2020 September 2020

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---


OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---


OK OK OK OK OK OK

$1,876 $1,966 $205 $378 $945 $1,194
$1,905 $1,966 $1,966 $1,966 $1,966 $1,966
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---
$55 $55 $28 $28 $28 $33


OK OK OK OK OK OK

$1,779 $2,040 $2,095 $2,228 $2,313 $2,401
$1,966 $2,040 $2,110 $2,228 $2,313 $2,401
$0 $0 $0 $0 $61 $155
--- --- --- --- --- ---
$46 $56 $61 $94 $108 $111


OK OK OK OK 30 60

$2,454 $2,507 $2,564 --- $2,624 $2,537
$2,454 $2,507 $2,564 --- $2,624 $2,624
$263 $374 $451 --- $2,624 $2,537
--- --- --- --- $0 $0
$77 $77 $83 --- --- ---


90 120 120 N/R C/O C/O

$2,450 $2,363 $2,276 $2,189 $2,102 $2,016
$2,624 $2,624 $2,624 $2,624 $2,624 $2,624
$2,450 $2,363 $2,276 $2,189 $2,102 $2,016
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---



$1,929 $1,842 $1,755 $1,668 $1,581 $1,494
$2,624 $2,624 $2,624 $2,624 $2,624 $2,624
$1,929 $1,842 $1,755 $1,668 $1,581 $1,494
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---


Total Mo
COMENITYCAPITALBANK/ZALE 578097407082****
Account Information
3095 LOYALTY CIRCLE,BUILDING A COLUMBUS, OH
Address 43219
Balance $0
Payment Received $0
Pay Status Paid, Closed; was Paid as agreed
Terms Paid Monthly

Payment History

--- --- --- --- --- $1,100
--- --- --- --- --- $1,104
--- --- --- --- --- $0
--- --- --- --- --- $40
--- --- --- --- --- $35

--- --- --- --- --- ---

OK OK OK OK OK OK

$1,097 $1,100 $1,490 $1,479 $1,436 $1,475
$1,104 $1,104 $1,533 $1,533 $1,533 $1,533
$0 $0 $0 $0 $0 $0
$40 $35 $45 $50 $45 $0
$35 $35 $37 $37 $37 $20

--- --- --- --- --- ---

OK OK OK OK OK OK

$1,807 $1,882 --- --- --- ---
$1,807 $1,882 --- --- --- ---
$0 $0 --- --- --- ---
$57 $0 --- --- --- ---
$54 $57 --- --- --- ---

--- --- --- --- --- ---

OK OK OK 30 60 90

--- $2,225 $2,182 $2,132 $2,085 $0
--- $2,232 $2,232 $2,232 $2,232 $2,232
--- $191 $0 $0 $0 $0
--- $100 $100 $100 $100 $504
--- $78 $77 $75 $73 ---

--- /CLO SET< > /CLO SET<

60 60 OK OK OK OK
May 2023
Balance
$0
High Credit
$2,232
Past Due
$0
Amount Paid
$0
Scheduled Payment
---
Remarks
>
Rating
OK
Total M
JPMCB AUTO FINANCE 1202001456****
Account Information
Address 700 KANSAS LANE MAIL CODE, LA 46945
Phone (800) 336-6675
Monthly Payment $405
Account Type Installment Account
Loan Type AUTOMOBILE
Balance $10,997
Terms $405 per month, paid Monthly for 72 months
High balance of $23,941 from 10/2021 to 08/2022;

$23,941 from 11/2022 to 12/2022; $23,941 from 03/2023
High Balance (Hist.) to 04/2024
Payment History
September 2020 October 2020 November 2020 December 2020 January 2021 February 2021

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
March 2021 April 2021 May 2021 June 2021 July 2021 August 2021

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- $20,472 $20,173 $19,882 $19,591 $19,290
--- $0 $0 $0 $0 $0
--- $406 $406 $400 $410 $403
--- $405 $405 $405 $405 $405

OK OK OK OK OK OK

$18,982 $18,685 $18,377 $18,091 $17,791 $17,502
$0 $0 $0 $0 $0 $0
$406 $410 $405 $405 $407 $400
$405 $405 $405 $405 $405 $405

OK OK OK OK OK OK

--- --- $16,544 $16,228 --- ---
--- --- $0 $0 --- ---
--- --- $473 $406 --- ---
--- --- $405 $405 --- ---

OK 30 OK OK OK 30

$15,307 $14,737 $14,592 $14,263 $13,947 $13,622
$0 $0 $0 $0 $0 $0
$513 $660 $470 $410 $400 $395
$405 $405 $405 $405 $405 $405

OK OK OK OK OK OK

$13,300 $13,086 $12,625 $12,467 $11,990 $11,623
$0 $106 $0 $136 $0 $0
$405 $300 $531 $250 $543 $450
$405 $405 $405 $405 $405 $405

OK 30 OK 30 OK OK
March 2024 April 2024
Balance Balance
$11,345 $10,997
Past Due Past Due

$0 $0
Amount Paid Amount Paid

$362 $425
Scheduled Payment Scheduled Payment

$405 $405
Rating Rating
OK OK
Total Mo
JPMCB CARD SERVICES 426684167268****
Account Information
Address PO BOX 15369 WILMINGTON, DE 19850
Phone (800) 945-2000
Balance $7,283
Terms Paid Monthly

Payment History

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- CBG CBG CBG ---

OK OK OK OK OK OK

--- $4,551 $4,884 $5,562 $4,316 $4,880
--- $4,551 $4,893 $5,562 $5,562 $5,562
--- $0 $0 $0 $0 $0
--- $289 $310 $361 $215 $201

PRL< CBG/> --- --- --- ---

OK OK OK OK OK OK

$5,136 $5,628 $5,756 $5,802 $6,193 $6,367
$5,562 $5,635 $5,877 $5,877 $6,193 $6,367
$0 $0 $0 $0 $0 $207
$208 $233 $201 $207 $244 $269

--- --- PRL< CBG/> --- PRL<

OK OK OK OK OK 30

$6,545 $6,726 $6,920 $7,116 $7,283 $7,283
$6,545 $6,726 $6,920 $7,116 $7,283 $7,283
$452 $722 $996 $1,277 $1,572 $7,283
$274 $280 $294 $298 $271 ---


60 90 120 120 120 C/O

--- --- --- --- --- $7,283
--- --- --- --- --- $7,283
--- --- --- --- --- $7,283
--- --- --- --- --- ---


X X X X X C/O

$7,283 $7,283 $7,283 $7,283 $7,283 $7,283
$7,283 $7,283 $7,283 $7,283 $7,283 $7,283
$7,283 $7,283 $7,283 $7,283 $7,283 $7,283
--- --- --- --- --- ---


March 2024
Balance
$7,283
High Credit
$7,283
Past Due
$7,283
Scheduled Payment
---
Remarks
CBG/>
Rating
C/O
Total M
NELNET LOAN SERVICES INC 19174****
Account Information
Address PO BOX 82561 LINCOLN, NE 68501
Phone (888) 486-4722
Monthly Payment $52
Loan Type STUDENT LOAN
Balance $6,797
Payment Received $0
High Balance (Hist.) High balance of $4,173 from 10/2021 to 03/2024
Payment History
February 2020 March 2020 April 2020 May 2020 June 2020 July 2020

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK X X X OK
August 2020 September 2020 October 2020 November 2020 December 2020 January 2021

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---
OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

X OK OK OK OK X

--- --- $6,356 $6,371 $6,389 $6,407
--- --- $0 $0 $0 $0
--- --- $0 $0 $0 $0
--- --- $46 $47 $47 $47

--- --- --- --- --- ---

X X OK OK OK OK

$6,418 $6,433 $6,448 $6,466 $6,484 $6,495
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $47 $48 $48 $48 $48

PDE --- --- --- --- ---

X OK OK OK OK OK

$6,511 $6,526 $6,544 $6,562 $6,581 $6,594
$0 $0 $0 $0 $148 $0
$0 $0 $0 $0 $0 $0
$48 $49 $49 $49 $49 $0

--- --- --- --- --- PDE

OK OK OK OK 90 X

$6,607 $6,622 $6,636 $6,650 $6,664 $6,679
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

PDE PDE PDE PDE PDE PDE

X X X X X X

$6,694 $6,708 $6,722 $6,736 $6,751 $6,766
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $49

PDE PDE PDE PDE PDE ---

X X X X X OK
February 2024 March 2024
Balance Balance
$6,781 $6,797
Past Due Past Due

$0 $0

$0 $0

$49 $52
Remarks Remarks
--- ---
Rating Rating
OK OK
Total Mo
NELNET LOAN SERVICES INC 19175****
Account Information
Address PO BOX 82561 LINCOLN, NE 68501
Phone (888) 486-4722
Monthly Payment $68
Loan Type STUDENT LOAN
Balance $8,876
Payment Received $0
Payment History

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK X X X OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---
OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

X OK OK OK OK X

--- --- $8,300 $8,319 $8,343 $8,366
--- --- $0 $0 $0 $0
--- --- $0 $0 $0 $0
--- --- $60 $61 $61 $61

--- --- --- --- --- ---

X X OK OK OK OK

$8,380 $8,400 $8,420 $8,444 $8,467 $8,482
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $61 $63 $63 $63 $63

PDE --- --- --- --- ---

X OK OK OK OK OK

$8,502 $8,522 $8,546 $8,569 $8,594 $8,610
$0 $0 $0 $0 $194 $0
$0 $0 $0 $0 $0 $0
$63 $64 $64 $64 $64 $0

--- --- --- --- --- PDE

OK OK OK OK 90 X

$8,628 $8,647 $8,665 $8,684 $8,703 $8,722
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

PDE PDE PDE PDE PDE PDE

X X X X X X

$8,741 $8,759 $8,778 $8,797 $8,816 $8,835
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $64

PDE PDE PDE PDE PDE ---

X X X X X OK
February 2024 March 2024
Balance Balance
$8,855 $8,876
Past Due Past Due

$0 $0

$0 $0

$64 $68
Remarks Remarks
--- ---
Rating Rating
OK OK
Total Mo
SYNCB/PPC 604419100868****
Account Information
Address PO BOX 965005 ORLANDO, FL 32896
Phone (844) 373-4961
Balance $2,309
Terms Paid Monthly
High balance of $2,249 from 10/2021 to 07/2022; $2,518

from 12/2022 to 12/2022; $2,618 from 01/2023 to
High Balance (Hist.) 01/2023; $2,659 from 02/2023 to 03/2024

Payment History

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- CBG CBG ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

PRL< > --- PRL< > ---

OK OK OK OK OK OK

--- --- --- --- --- $1,942
--- --- --- --- --- $0
--- --- --- --- --- $0
--- --- --- --- --- $97

PRL< > --- PRL< > ---

OK OK OK OK OK OK

$1,813 $1,844 $2,067 $2,048 $2,128 $2,106
$0 $0 $0 $0 $0 $0
$200 $53 $100 $95 $95 $100
$53 $96 $98 $100 $100 $99

PRL< > --- PRL< > ---

OK OK OK OK OK OK

$2,084 $2,064 $2,162 --- --- ---
$0 $0 $0 --- --- ---
$0 $100 $0 --- --- ---
$97 $100 $105 --- --- ---

PRL< > --- PRL< > ---

OK OK OK 30 60 90

--- $2,518 $2,618 $2,654 $2,649 $2,644
--- $552 $674 $2,654 $2,649 $2,644
--- $0 $0 $5 $5 $5
--- $122 $125 --- --- ---

PRL< > --- PRL< > ---

120 120 120 C/O C/O C/O

$2,639 $2,639 $2,629 $2,604 $2,604 $2,554
$2,639 $2,639 $2,629 $2,604 $2,604 $2,554
$5 $0 $5 $25 $0 $25
--- --- --- --- --- ---

PRL< > --- PRL< > ---

November 2023 December 2023 January 2024 February 2024 March 2024
Balance Balance Balance Balance Balance

$2,554 $2,504 $2,479 $2,479 $2,309
Past Due Past Due Past Due Past Due Past Due
$2,554 $2,504 $2,479 $2,479 $2,309
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$0 $25 $25 $0 $84
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- ---
Remarks Remarks Remarks Remarks Remarks

PRL< > --- PRL< >
Rating Rating Rating Rating Rating

C/O C/O C/O C/O C/O
Total Mo
SYNCB/WAL-MART 603220370022****
Account Information
Address PO BOX 71746 PHILADELPHIA, PA 19176
Phone (855) 893-5848
Balance $0
Payment Received $0
High Balance $452
Credit Limit $190
Pay Status Sold; was Paying as agreed
Terms Paid Monthly
Remarks PURCHASED BY ANOTHER LENDER
Payment History
December 2014 January 2015 February 2015 March 2015 April 2015 May 2015

OK OK OK OK OK OK
June 2015 July 2015 August 2015 September 2015 October 2015 November 2015

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK 30 OK 30 OK OK

OK OK 30 30 30 OK

OK OK OK OK OK OK
June 2019 July 2019 August 2019 September 2019
Rating Rating Rating Rating

OK OK OK OK
Total Mo
TD BANK USA/TARGET CREDI 585975217010****
Account Information
Address PO BOX 1470 MINNEAPOLIS, MN 55440
Balance $1,360
Payment Received $0
Terms Paid Monthly
Credit Limit (Hist.) Credit limit of $1,000 from 12/2021 to 03/2024
Payment History

$0 $648 $761 $883 $826 $882
$0 $648 $798 $885 $885 $885
$0 $0 $0 $0 $0 $0
$0 $0 $50 $0 $113 $0
--- $0 $29 $50 $63 $65

--- --- --- --- --- PRL<

OK OK OK OK OK OK

$879 $769 $714 $880 $848 $859
$885 $885 $885 $885 $885 $889
$5 $0 $0 $0 $0 $0
$60 $140 $70 $0 $150 $50
$65 $66 $29 $29 $55 $29


30 OK OK OK OK OK

$1,013 $1,025 $1,039 $1,101 $1,167 $1,183
$1,013 $1,025 $1,065 $1,101 $1,167 $1,183
$0 $0 $0 $60 $134 $157
$0 $50 $50 $0 $0 $50
$29 $59 $72 $74 $73 $78


OK OK OK 30 60 90

$1,251 $1,320 $1,360 $1,360 $1,360 $1,360
$1,251 $1,320 $1,360 $1,360 $1,360 $1,360
$235 $313 $1,360 $1,360 $1,360 $1,360
$0 $0 $0 $0 $0 $0
$78 $81 --- --- --- ---


120 120 C/O C/O C/O C/O
December 2023 January 2024 February 2024 March 2024
Balance Balance Balance Balance

$1,360 $1,360 $1,360 $1,360
High Credit High Credit High Credit High Credit

$1,360 $1,360 $1,360 $1,360
Past Due Past Due Past Due Past Due

$1,360 $1,360 $1,360 $1,360
Amount Paid Amount Paid Amount Paid Amount Paid

$0 $0 $0 $0
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment

--- --- --- ---
Remarks Remarks Remarks Remarks

CBG/> --- PRL< CBG/>
Rating Rating Rating Rating

C/O C/O C/O C/O
Total Mo
BOUNCE AI BA211904****
Account Information
Address 70 LINDEN OAKS,SUITE 19 ROCHESTER, NY 14625
Phone (888) 482-5060
Account Type Open Account
Loan Type FACTORING COMPANY ACCOUNT
Balance $6,623
High Balance $6,623
Original Creditor TALLY TECHNOLOGIES INC ORIGIN
Past Due $6,623
Pay Status >Collection<
Remarks >PLACED FOR COLLECTION<
CAC FINANCIAL 2203****
Account Information
2601 NW EXPWY STE 1000 E OKLAHOMA CITY, OK

Address 73112-7238
Phone (800) 253-7636
Account Type Open Account
Loan Type COLLECTION AGENCY/ATTORNEY
Balance $1,803
High Balance $1,803
Original Creditor ST FRANCIS HEALTH SYSTEM ST
Past Due $1,803
Pay Status >Collection<
Remarks >PLACED FOR COLLECTION<
Satisfactory Accounts
The following accounts are reported with no adverse information. For your protection, your account numbers have been
partially masked, and in some cases scrambled. Please note: Accounts are reported as "Current; Paid or paying as agreed"
if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid
on or before the due date.
Account Name
APPLE CARD - GS BANK USA 110001118599****
Account Information
Address 11850 S ELECTION RD DRAPER, UT 84020
Phone (877) 255-5923
Monthly Payment $41
Balance $1,208
Terms $41 per month; paid Monthly
High balance of $1,245 from 10/2021 to 06/2022; $1,364

High Balance (Hist.) from 07/2022 to 02/2024
Credit Limit (Hist.) Credit limit of $1,250 from 10/2021 to 02/2024
Payment History

--- --- --- $1,133 $1,046 $1,132
--- --- --- $0 $0 $0
--- --- --- --- --- ---
--- --- --- $32 $35 $31

OK OK OK OK OK OK

$1,126 $1,149 $1,137 $1,136 $1,129 $1,214
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---
$33 $33 $31 $34 $33 $34

OK OK OK OK OK OK

$1,364 $1,205 $1,226 $1,273 $1,261 $1,230
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---
$36 $39 $39 $37 $40 $38

OK OK OK OK OK OK

$1,236 $1,261 $1,212 $1,253 $1,181 $1,170
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---
$40 $41 $38 $40 $40 $40

OK OK OK OK OK OK

$1,208 $1,236 $1,265 $1,275 $1,231 $1,236
$0 $0 $0 $0 $0 $0
--- --- --- --- --- $100
$39 $41 $41 $41 $42 $41

OK OK OK OK OK OK
January 2024 February 2024
Balance Balance
$1,239 $1,208
Past Due Past Due

$0 $0

$125 $100

$41 $41
Rating Rating
OK OK
Total M
JPMCB CARD SERVICES 414720237142****
Account Information
Address PO BOX 15369 WILMINGTON, DE 19850
Phone (800) 945-2000
Responsibility Authorized Account
Loan Type FLEXIBLE SPENDING CREDIT CARD
Balance $0
Terms Paid Monthly
Credit limit of $20,500 from 10/2021 to 09/2022; $500

Payment History

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---
OK OK OK OK OK OK

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---

OK OK OK OK OK OK

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---

OK OK OK OK OK OK

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
--- --- --- --- --- ---

OK OK OK OK OK OK

$69 $30 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$40 $30 --- --- --- ---

OK OK OK OK OK OK
Total Mo
Inquiries
Regular Inquiries
Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry
means that the company listed received your credit information on the dates specified. These inquiries will remain on your
credit file for up to 2 years.
Name
CAPITAL ONE AUTO FINANCE
Location Requested On Phone

3905 N DALLAS PARKWAY 05/10/2022 (800) 946-0332
PLANO, TX 75093
Inquiry Type
Individual
Promotional Inquiries
The companies listed below received your name, address and other limited information about you so they could make a firm
offer of credit or insurance. They did not receive your full credit report. These inquiries are not seen by anyone but you and
do not affect your score.
Name
NETCREDIT/REPUBLICBANK

175 W JACKSON BLVD 02/16/2024, 12/20/2023, 07/21/2023, (877) 392-2014
CHICAGO, IL 60606 05/21/2023
T-MOBILE

12920 SE 38TH STRE 01/25/2024 (800) 318-9270
BELLEVUE, WA 98006
CCB/AXCESS

7755 MONTGOMERY RD 01/23/2024 (800) 561-2274
CINCINNATI, OH 45236
TAB/MISSION LANE

4185 HARRISON BLVD 01/20/2024 (415) 462-0280
OGDEN, UT 84403
Account Review Inquiries

The listing of a company's inquiry in this section means that they obtained information from your credit file in connection
with an account review or other business transaction with you. These inquiries are not seen by anyone but you and will not
be used in scoring your credit file (except insurance companies may have access to other insurance company inquiries,
certain collection companies may have access to other collection company inquiries, and users of a report for employment
purposes may have access to other employment inquiries, where permitted by law).
Name
CREDITWISE CAPITAL1 TU-C

CAPITAL ONE N.A. 04/05/2024 (877) 383-4802
PO BOX 85870
RICHMOND, VA 23285
BARCLAYS BANK DELAWARE

PO BOX 8803 04/04/2024 (888) 232-0780
WILMINGTON, DE 19899
TRANSUNION INTERACTIVE / CREDIT SESAME
607 WEST DANA ST, 04/01/2024 (855) 799-9111
SAN JOSE, CA 95120
CAPITAL ONE

P O Box 31293 03/29/2024 (800) 955-7070
Salt Lake City, UT 84131
GOLDMAN SACHS BANK USA

PO BOX 45400 03/12/2024 (844) 627-2871
SALT LAKE CITY, UT 84145
SYNCB/PPC

PO BOX 965005 02/22/2024 (844) 373-4961
ORLANDO, FL 32896
CREDIT SESAME, INC.

444 CASTRO ST., STE 500 09/12/2023 (866) 720-0893
STE 500
MOUNTAIN VIEW, CA 94041
SHAUNA VILLARREAL via TRANSUNION INTERACTIVE IN

100 CROSS ST 04/09/2024, 04/09/2024 (855) 681-3196
STE 202
SAN LUIS OBISPO, CA 93401
TU INTERACTIVE

100 CROSS ST 04/09/2024 (844) 580-6816
202
792712177 via TRANSUNION INTERACTIVE

100 CROSS STREET 202 03/30/2024 (844) 580-6816
CONSUMERINFO.COM
475 ANTON BLVD 03/25/2024, 01/27/2024, 01/18/2024, (888) 397-3742
COSTA MESA, CA 92626 12/30/2023, 12/16/2023, 12/09/2023,
09/05/2023, 08/30/2023,
08/08/2023, 08/07/2023,
06/29/2023, 05/07/2023,
05/02/2023, 04/25/2023,
04/14/2023, 04/13/2023,
04/06/2023, 04/04/2023,
03/05/2023, 03/02/2023,
02/17/2023, 02/14/2023, 02/12/2023,
01/14/2023, 11/08/2022, 11/04/2022
283483315 via CREDITWISE CAPITAL1 TU-B

CAPITAL ONE N.A. 03/22/2024 (877) 383-4802
PO BOX 85870
RICHMOND, VA 23285
SHAUNA SHELBY via CREDITWISE CAPITAL1 TU-A

CAPITAL ONE N.A. 03/19/2024, 02/20/2024, 01/23/2024, (877) 383-4802
PO BOX 85870 12/26/2023, 11/28/2023, 10/31/2023,
RICHMOND, VA 23285 10/03/2023, 09/06/2023,
09/02/2023, 08/04/2023,
07/08/2023, 06/09/2023,
05/12/2023, 04/15/2023, 03/17/2023,
02/18/2023, 02/09/2023, 01/12/2023,
12/13/2022, 11/13/2022, 10/11/2022,
09/09/2022, 08/09/2022, 07/11/2022,
06/10/2022, 05/09/2022, 04/10/2022
ZIP CO US INC

27 WEST 24TH STREET 03/06/2024, 01/25/2024, 12/24/2023, (888) 322-5037
FLOOR 2 11/24/2023, 10/23/2023, 09/19/2023,
NEW YORK, NY 10010 08/19/2023, 07/18/2023, 06/10/2023,
05/09/2023, 04/09/2023,
03/09/2023, 12/22/2022, 04/27/2022
WEBBANKKLARNA

629 NORTH HIGH STREET 02/23/2024, 11/01/2023 (844) 552-7621
SUITE 300
COLUMBUS, OH 43215
PERSONIFY

15373 INNOVATION DR 01/27/2024 (888) 578-9546
SUITE 250
SAN DIEGO, CA 92128
PAYPAL via SYNCBPAYPAL

PO BOX 965005 09/04/2023 (844) 373-4961
ORLANDO, FL 32896
J.G.WENTWORTH CO.

40 MORRIS AVE 08/28/2023, 06/12/2023, (800) 741-9545
BRYN MAWR, PA 19010 03/28/2023, 07/29/2022
RAUSCH STURM LLP

250 NORTH SUNNYSLOPE DR S 08/14/2023 (262) 796-5153
BROOKFIELD, WI 53005
KLARNA

629 NORTH HIGH STREET SUI 07/28/2023, 04/17/2023, 12/18/2022, (844) 552-7621
TE 300 08/28/2022, 05/27/2022
COLUMBUS, OH 43215
UPGRADE

275 BATTERY ST SUITE 2300 06/04/2023 (855) 997-3100
SAN FRANCISCO, CA 94111
DISCOVERPLCYR

P O BOX 1531 05/29/2023 (800) 347-2683
WILMINGTON, DE 19850
TRANSUNION INTERACTIVE

100 CROSS STREET 05/28/2023, 05/04/2023, (805) 782-8282
SUITE 202 02/20/2023
CONSUMERINFO via CONSUMER INFO.COM

PO BOX 2390 04/04/2023 (877) 481-6826
ALLEN, TX 75013
ALLSTATE

1819 ELECTRIC RD 03/13/2023 (800) 255-7828
ROANOKE, VA 24018
ALLSTATE

ENCOMPASS INSURANCE 03/13/2023, 07/01/2022 (800) 255-7828
1819 ELECTRIC RD
ROANOKE, VA 24018
LEMONADE INSURANCE CO

85 BROAD STREET 01/23/2023 (917) 620-2174
NEW YORK CITY, NY 10004
ALLSTATE

1819 ELECTRIC RD 12/15/2022, 06/22/2022 (800) 255-7828
ROANOKE, VA 24018
WEBBANKKLARNA

629 N HIGH ST 12/13/2022 (844) 552-7621
STE 300
COLUMBUS, OH 43215
CLIENT SERVICES INC via CLIENT SERVICES INC

3451 HARRY S TRUMAN BLVD 12/05/2022 (636) 947-2321
ST CHARLES, MO 63301
KUBER FINANCIAL LLC

400 SPECTRUM CENTER DRIVE 07/29/2022 (888) 326-1254
SUITE 350
IRVINE, CA 92618
PROGREXION via PROGREXION ASG INC

330 N CUTLER DRIVE 07/21/2022 (888) 586-0184
NORTH SALT LAKE, UT 84054
HAPPY MONEY INC

21515 HAWTHORNE BLVD 07/21/2022 (800) 878-0901
200
TORRANCE, CA 90503
PAGAYASOFI
135 E 57TH STREET 19 FL 07/19/2022 (646) 710-7714
NEW YORK, NY 10022
PROSPERWEBBANK

PROSPER WEBBANK 07/18/2022 (866) 615-6319
221 MAIN STREET SUITE 300
UPSTART NETWORK INC

2 CIRCLE STAR WAY 07/18/2022, 07/16/2022, 05/08/2022 (650) 204-1000
2ND FLOOR
SAN CARLOS, CA 94070
MONEVO INC

8910 UNIVERSITY CNTR LANE 07/18/2022 (619) 330-7083
SUITE 400
SAN DIEGO, CA 92122
P128875609E207400444 via CONSUMERINFO

535 ANTON BLVD SUITE 100 05/11/2022 (949) 567-3762
COSTA MESA, CA 92626
AFFIRM INC

650 CALIFORNIA STREET 05/10/2022 (855) 423-3729
FLOOR 12
BEST EGG

PO BOX 42912 04/16/2022 (855) 282-6353
PHILADELPHIA, PA 19101
CAPITAL ONE

15000 CAPITAL ONE DRIVE 04/10/2022 (800) 955-7070
US364412
RICHMOND, VA 23238
CAPITAL ONE

P.O. BOX 259407 04/10/2022 (800) 689-1789
PLANO, TX 75025
 Additional Information
The following disclosure of information might pertain to you. The additional information may include Special Messages,
Office of Foreign Assets Control ("OFAC") Potential Matches, Inquiry Analysis, Military Lending Act ("MLA") Covered
Borrower Information, Third Party Supplemental Information and/or Consumer Contributed Financial Information.
Authorized parties may also receive the additional information below from TransUnion.
Third Party Supplemental Information

In addition to the information maintained in the above credit report, TransUnion will occasionally contact a third party for
supplemental information in connection with a particular transaction in response to a request from a particular customer.
Listed below is the supplemental data that TransUnion obtained from such third parties, as well as the name(s) of the
TransUnion customer for whom it was obtained.
Checking Account and Demand Deposit Account (DDA) Activity
Data Source:
Chex Systems Inc. (7805 Hudson Road, Suite 100, Woodbury, MN 55125, (800) 513-7125)
Requested by: Requested on:

SYNCBPAYPAL 09/04/2023
Checking Account Inquiries in the Last Month: Checking Account Inquiries in the Last 2 Months:
0 0
Checking Account Inquiries in the Last 3 Months: Checking Account Inquiries in the Last 6 Months:
0 0
Checking Account Inquiries in the Last Year: Checking Account Inquiries in the Last 2 Years:
1 2
DDA Inquiries in the Last 3 Years: Total Days Since First Checking Account Inquiry:
2 669
Days Since Most Recent DDA Inquiry: Credit Inquiries in the Last Year:
326 0
Credit Inquiries in the Last 3 Years: Credit Issuance Inquiries in the Last Year:
3 0
Credit Issuance Inquiries in the Last 3 Years: Payday Inquiries in the Last 3 Years:
1 1
Other Credit Inquiries in the Last 2 years: Other Credit Inquiries in the Last 3 Years:
1 1
Days Since First Credit Issuance Inquiry: Days Since Most Recent Inquiry by Payday Lender:
782 520
DDA & Credit/Non-DDA Inquiries in Last 3 Years:

5
Supplemental Consumer Credit Information
Data Source:
Teletrack (PO Box 740008, Atlanta, GA 30374, (877) 309-5226)
ARROWHEAD ADVANCE 09/25/2018
Invalid SSN Indicator: Presence of a Collections Skip:

0 0
Auto Finance Inquiries in the Last 3 Months: Auto Finance Inquiries in the Last 6 Months:
000 000
Auto Finance Inquiries in the Last 9 Months: Auto Finance Inquiries in the Last 12 Months:
000 000
Auto Finance Inquiries in the Last 24 Months: Auto Finance Inquiries in the Last 7 Years:
000 000
Cash Advance Inquiries in the Last 3 Months: Cash Advance Inquiries in the Last 6 Months:
000 000
Cash Advance Inquiries in the Last 9 Months: Cash Advance Inquiries in the Last 12 Months:
000 000
Cash Advance Inquiries in the Last 24 Months: Cash Advance Inquiries in the Last 7 Years:
000 010
Misc Financial Services in the Last 7 Years: Rent-to-Own Inquiries in the Last 3 Months:
000 000
Rent-to-Own Inquiries in the Last 6 Months: Rent-to-Own Inquiries in the Last 9 Months:
000 000
Rent-to-Own Inquiries in the Last 12 Months: Rent-to-Own Inquiries in the Last 24 Months:
000 000
Rent-to-Own Inquiries in the Last 7 Years: All Alternative Credit Inquiries in the Last 3 months:
000 000
All Alternative Credit Inquiries in the Last 6 Months: All Alternative Credit Inquiries in the Last 24 Months:
000 000
All Alternative Credit Inquiries in the Last 7 Years: Paid Auto Finance Charge-offs in the Last 24 Months:
010 000
Paid Payday Loan Charge-offs in the Last 24 Months: Paid Rent-to-Own Charge-offs in the Last 24 Months:
000 000
All Paid Charge-offs in the Last 3 Months: All Paid Charge-offs in the Last 24 Months:
000 000
All Paid Charge-offs in the Last 7 Years: Open Auto Finance Charge-offs in the Last 24 Months:
000 000
Open Payday Loan Charge-offs in the Last 24 months: Open Rent-to-Own Charge-offs in the Last 24 Months:
000 000
All Open Charge-offs in the Last 3 Months: All Open Charge-offs in the Last 6 Months:
000 000
All Open Charge-offs in the Last 9 Months: All Open Charge-offs in the Last 12 Months:
000 000
All Open Charge-offs in the Last 24 Months: All Open Charge-offs in the Last 7 Years:
000 000
Supplemental Public Records and Residential Information
Requested On:
CCB/AXCESS
Requested on: Real Estate Sale Price:

01/22/2024 $0
Home Equity Loans: Home Equity Loan Amount:

0 $0
Refinance Indicator: Refinance or Equity Fixed Mortgages in Last 24 Months:

Yes 0
Conventional Mortgages recorded in the Last 24 Months: FHA Mortgage Loans Recorded:
0 0
First Mortgage Amount: Interest Rate on Most Recent Mortgage:

$269 0.00
Loan Term of Most Recent Mortgage (in Months): Foreclosure:

360 No
Club & Subscription Activity
Data Source:
Alliant Cooperative Data Solutions (301 Fields Lane, Brewster, NY 10509-2621, (866) 310-7278)

ARROWHEAD ADVANCE 09/25/2018
Address Match & Potential Fraud Alert: Write-Offs in the Last 5 Magazine Transactions:
000000000000 000000000000
Continuity Club Enrollments in the Last 3 months, Merchandise Write-Off Transactions in the Last 5 Years:
including Repeat Enrollments: 000000000000
000000000000
Single Payment Write-Off Transactions in the Last 5 Club and Subscription Amount sent to Collections in the
Years: Last 5 years:
000000000000 $000000000.00
Days Since Last Payment Was Made: Club/Subscription Write-Offs in the Last 5 Years:
000000000927 000000000000
Write-Off Percent (Ratio of # of Write-Offs to # of Club Write-offs in the Last 5 Years:

Orders) in the Last 5 Years: 000000000000
000000000000
Orders in the Last Year:

$000000069.95
Should you wish to contact TransUnion, you may do so,
Online:
To report an inaccuracy, please visit: service.transunion.com 

For answers to general questions, please visit: www.transunion.com 
By Mail:
TransUnion Consumer Relations

P.O. Box 2000
Chester, PA 19016-2000
By Phone:
(800) 916-8800
You may contact us Monday - Friday 8 AM - 11 PM Eastern Time and Saturday - Sunday 8 AM - 5 PM Eastern Time, except
on major holidays.
For all correspondence, please have your TransUnion file number available (located at the top of this report).
SUMMARY OF RIGHTS
GENERAL SUMMARY OF RIGHTS UNDER THE FCRA
Para informacion en espanol, visite www.consumerfinance.gov/learnmore  o escribe a la Consumer Financial Protection

Bureau, 1700 G Street NW. Washington, DC 20552.
A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of
consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty
agencies (such as agencies that sell information about check writing histories, medical records, and rental history records).
Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go
to www.consumerfinance.gov/learnmore  or write to: Consumer Financial Protection Bureau, 1700 G Street NW,
Washington, DC 20552.
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type
of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action
against you – must tell you, and must give you the name, address, and phone number of the agency that provided the
information.
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a
consumer reporting agency (your ‘file disclosure’). You will be required to provide proper identification, which may
include your Social Security Number. In many cases, the disclosure will be free. You are entitled to a free file disclosure
if:
a person has taken adverse action against you because of information in your credit report;
you are the victim of identity theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit
bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore  for
additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on
information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores
or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions,
you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is
incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your
dispute is frivolous. See www.consumerfinance.gov/learnmore  for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate,
incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer
reporting agency may continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting
agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10
years old.
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a
valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA
specifies those with a valid need for access.
You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out
information about you to your employer, or a potential employer, without your written consent given to the employer.
Written consent generally is not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore .
You may limit prescreened offers of credit and insurance you get based on information in your credit report.
Unsolicited prescreened offers for credit and insurance must include a toll-free phone number you can call if you choose
to remove your name and address from the lists these offers are based on. You may opt out with the nationwide credit
bureaus at 1-888-5-OPTOUT (1-888-567-8688).
The following FCRA right applies with respect to nationwide consumer reporting agencies:
CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE. You have a right to place a "security freeze" on your
credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without
your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in
your name without your consent. However, you should be aware that using a security freeze to take control over who
gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the
timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other
account involving the extension of credit.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the
person or entity, with which you have an existing account that requests information in your credit report for the
purposes of reviewing or collecting the account. Reviewing the account includes activities related to account
maintenance, monitoring, credit line increases, and account upgrades and enhancements.
To place a security freeze, a consumer reporting agency will require you to provide appropriate proof of your identity,
which may include your Social Security Number. You may place a security freeze on your credit report by contacting
each of the three nationwide credit reporting agencies.
Equifax: 1-800-525-6285; www.equifax.com 
Experian: 1-888-397-3742; www.experian.com 
TransUnion: 1-800-680-7289; www.transunion.com 
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at
no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display
on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new
credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7
years.
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or
a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal
court. You may also have the right to file suit under state law.
Identity theft victims and active duty military personnel have additional rights. For more information, visit
www.consumerfinance.gov/learnmore .
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have
more rights under state law. For more information, contact your state or local consumer protection agency or your state
Attorney General. For information about your federal rights, contact:
TYPE OF BUSINESS: CONTACT:
a. Consumer Financial
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their Protection Bureau
affiliates 1700 G Street, N.W.
Washington, DC 20552
b. Federal Trade
Commission
Consumer Response
b. Such affiliates that are not banks, savings associations, or credit unions also should list, in Center
addition to the CFPB: 600 Pennsylvania
Avenue, N.W.
(877) 382-4357
a. Office of the
Comptroller of the
2. To the extent not included in item 1 above: Currency
a. National banks, federal savings associations, and federal branches and federal agencies of Customer Assistance
foreign banks Group
P.O. Box 53570
Houston, TX 77052
b. State member banks, branches and agencies of foreign banks (other than federal branches, b. Federal Reserve
federal agencies, and Insured State Branches of Foreign Banks), commercial lending Consumer Help Center
companies owned or controlled by foreign banks, and organizations operating under section P.O. Box 1200
25 or 25A of the Federal Reserve Act. Minneapolis, MN 55480
c. Division of Depositor
and
Consumer Protection
National Center for
Consumer
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state and Depositor Assistance
savings associations Federal Deposit
Insurance
Corporation
1100 Walnut Street, Box
#11
Kansas City, MO 64106
d. National Credit Union
Administration
Office of Consumer
d. Federal Credit Unions
Financial Protection
1775 Duke Street
Alexandria, VA 22314
Asst. General Counsel
3. Air carriers
for Office of Aviation
Protection
Department of
Transportation
1200 New Jersey
Avenue, S.E.
Office of Public
Assistance,
Governmental Affairs,
and
4. Creditors Subject to the Surface Transportation Board
Compliance Surface
Transportation Board
395 E Street, S.W.
Nearest Packers and
5. Creditors Subject to the Packers and Stockyards Act, 1921 Stockyards Division
Regional Office
Associate Administrator,
Office of Capital Access
United States Small
6. Small Business Investment Companies Business Administration
409 Third Street, S.W.,
Suite 8200
Securities and Exchange
Commission
7. Brokers and Dealers
100 F Street, N.E.
Farm Credit
Administration
8. Institutions that are members of the Farm Credit System
1501 Farm Credit Drive
McLean, VA 22102-5090
Federal Trade
Commission
Consumer Response
Center
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above
600 Pennsylvania
Avenue, N.W.
(877) 382-4357
FRAUD VICTIM RIGHTS
SUMMARY OF RIGHTS UNDER THE FCRA OF VICTIMS OF IDENTITY THEFT
Para informacion en espanol, visite www.consumerfinance.gov/learnmore  o escribe a la Consumer Financial Protection

Bureau, 1700 G Street N.W. Washington, DC 20552
Remedying the Effects of Identity Theft
You are receiving this information because you have notified a consumer reporting agency that you believe you are a victim
of identity theft. Identity theft occurs when someone uses your name, Social Security Number, date of birth, or other
identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by
using your personal information to open a credit card account or get a loan in your name. For more information, visit
www.consumerfinance.gov/learnmore  or write to: Consumer Financial Protection Bureau, 1700 G Street N.W.,
Washington, DC 20552.
The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe you that you are, a victim of identity
theft. Here is a brief summary of the rights designed to help you recover from identity theft.
1. You have the right to place a ‘security freeze’ on your credit report, which will prohibit a consumer reporting
agency from releasing information in your credit report without your express authorization.
The security freeze is designed to prevent credit, loans, and services from being approved in your name without your
consent. However, you should be aware that using a security freeze to take control over who gets access to the
personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of
any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account
involving the extension of credit.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the
person or entity, with which you have an existing account that requests information in your credit report for the
purposes of reviewing or collecting the account. Reviewing the account includes activities related to account
maintenance, monitoring, credit line increases, and account upgrades and enhancements.
2. As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit
file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud
alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before
extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud
alert lasting 7 years.
To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your
identity, which may include your Social Security Number. If you ask for an extended alert, you will have to provide an
identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local
law enforcement agency, and additional information a consumer reporting agency may require you to submit. For
more detailed information about the identity theft report, visit www.consumerfinance.gov/learnmore .
You may place a fraud alert in your file by calling just one of the three nationwide credit reporting agencies. As soon
as that agency processes your alert, it will notify the other two, which then must also place fraud alerts in your file.
Equifax: 1-800-525-6285; www.equifax.com 
Experian: 1-888-397-3742; www.experian.com 
TransUnion: 1-800-680-7289;www.transunion.com 
3. You have the right to free copies of the information in your file (your “file disclosure”). An initial fraud alert entitles
you to a copy of all information in your file at each of the three nationwide agencies, and an extended alert entitles
you to two free file disclosures in a 12-month period following the placing of the alert. These additional disclosures
may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or
whether someone has reported a change in your address. Once a year, you also have the right to a free copy of the
information in your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud,
such as identity theft. You also have the ability to obtain additional free file disclosures under other provisions of the
FCRA. See www.consumerfinance.gov/learnmore 
4. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your
personal information. A creditor or other business must give you copies of applications and other business records
relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A
business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It
also may specify an address for you to send your request. Under certain circumstances, a business can refuse to
provide you with these documents. See www.consumerfinance.gov/learnmore .
5. You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with
certain information about the debt you believe was incurred in your name by an identity thief – like the name of the
creditor and the amount of the debt.
6. If you believe information in your file results from identity theft, you have the right to ask that a consumer
reporting agency block that information from your file. An identity thief may run up bills in your name and not pay
them. Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer
reporting agency to block the reporting of this information, you must identify the information to block, and provide
the consumer reporting agency with proof of your identity and a copy of your identity theft report. The consumer
reporting agency can refuse or cancel your request for a block if, for example, you don’t provide the necessary
documentation or where the block results from an error or a material misrepresentation of fact made by you. If the
agency declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked,
a person or business with notice of the block may not sell, transfer or place the debt for collection.
7. You may also prevent businesses from reporting information about you to consumer reporting agencies if you
believe the information is a result of identity theft. To do so, you must send your request to the address specified
by the business that reports the information to the consumer reporting agency. The business will expect you to
identify what information you do not want reported and to provide an identity theft report.
To learn more about identity theft and how to deal with its consequences, visit www.consumerfinance.gov/learnmore , or
write to the Consumer Financial Protection Bureau. You may have additional rights under state law. For more information,
contact your local consumer protection agency or your state Attorney General.
In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many
other important consumer protections. They are described in more detail at www.consumerfinance.gov/learnmore .

Shauna Villarreal

Uploaded by

Copyright:

Available Formats

Shauna Villarreal

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Shauna Villarreal

Uploaded by

Copyright:

Available Formats

Personal Credit Report for:

Visit transunion.com/dispute to start a dispute online.

Credit Report Date

Social Security Number

SHAUNA LYNN SHELBY

1608 W MONTPELIER ST BROKEN ARROW, OK 74012-0740

1222 E 4TH ST APT 2 MERIDIAN, ID 83642-1776

596 E PENNSYLVANIA ST BOISE, ID 83706-4430

1222 E 44TH APT 2 MERIDIAN, ID 83642

1222 E 4TH ST APT 4 MERIDIAN, ID 83642-1776

1118 CORTEZ LOOP TWIN FALLS, ID 83301-8267

925 N CLARA AVE MERIDIAN, ID 83642-8501

1029 N WOLFSBURG AVE MERIDIAN, ID 83642-5011

1420 W ELM PL MERIDIAN, ID 83642-1915

1465 E BUCHMAN ST MERIDIAN, ID 83642-4035

1455 E BUCHMAN ST MERIDIAN, ID 83642-4035

2137 CANDLEWOOD AVE TWIN FALLS, ID 83301-8363

2681 SAGEBRUSH DR TWIN FALLS, ID 83301-7559

201 KING OF PRUSSIA RD STE 210 RADNOR, PA 19087-5148

OK Current, paying or paid as agreed

N/R Not Reported

30 Account 30 days late

60 Account 60 days late

90 Account 90 days late

120 Account 120 or more days late

COL Transferred to collection

C/O Charged off by account provider

AAP: Loan assumed by another party

Accounts with Adverse Information

BARCLAYS BANK DELAWARE/OLD NAVY 00046389833****

Address P.O. BOX 8803 WILMINGTON, DE 19899

Phone (866) 370-5931

Monthly Payment $30

Date Opened 12/22/2014

Responsibility Individual Account

Account Type Revolving Account

Loan Type CHARGE ACCOUNT

Date Updated 03/27/2024

Payment Received $40

Last Payment Made 03/23/2024

Pay Status Current; Paid or Paying as Agreed

Terms $30 per month; paid Monthly

High Balance (Hist.) High balance of $331 from 10/2021 to 03/2024

Credit Limit (Hist.) Credit limit of $200 from 10/2021 to 03/2024

Balance Balance Balance Balance Balance Balance

Rating Rating Rating Rating Rating Rating

Balance Balance Balance Balance Balance Balance

Rating Rating Rating Rating Rating Rating

Balance Balance Balance Balance Balance Balance

Rating Rating Rating Rating Rating Rating

Balance Balance Balance Balance Balance Balance

Rating Rating Rating Rating Rating Rating

Balance Balance Balance Balance Balance Balance

Rating Rating Rating Rating Rating Rating

Balance Balance Balance Balance Balance Balance

Rating Rating Rating Rating Rating Rating

Balance Balance Balance Balance Balance Balance

Rating Rating Rating Rating Rating Rating

Balance Balance Balance Balance Balance Balance