Creditreport 1638763738675

CREDIT REPORT
JONATHAN DELGADO
Report Confirmation
1840714062
Dear JONATHAN DELGADO:
Thank you for requesting your Equifax credit report. Your credit report contains information received primarily from companies which
have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater
accuracy by reviewing all of the enclosed material carefully.
If there are items you believe to be incorrect, you may
• Initiate an investigation request via the Internet 24 hours a day, 7 days a week at:
www.investigate.equifax.com
• Please mail the dispute information to:
Equifax Information Services LLC
P.O. Box 740241
Atlanta, GA 30374
• Call us at 866-349-5186
Please note, when you provide documents, including a letter, to Equifax as part of your dispute, the documents may be submitted to one
or more companies whose information are the subject of your dispute.
You have the right to request and obtain a copy of your credit score. To obtain a copy of your credit score, please call our automated
ordering system at: 1-877-SCORE-11.
JONATHAN DELGADO | Dec 06, 2021 Page 2 of 49

1. Summary
Review this summary for a quick view of key information contained in your Equifax Credit Report.
Report Date Dec 06, 2021
Credit File Status No fraud indicator on file
Alert Contacts 0 Records Found
Average Account Age 6 Years
Length of Credit History 9 Years, 7 Months
Accounts with Negative Information 7
Oldest Account WELLS FARGO BANK CARD SERVICES (Opened May 30, 2012)
Most Recent Account NAVY FEDERAL CU (Opened Aug 28, 2021)
Credit Accounts
Your credit report includes information about activity on your credit accounts that may affect your credit score and rating.
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment
Revolving 3 3 $6,610 $8,240 $14,850 45.0% $118
Mortgage
Installment 0 0
Other 0 0
Total 3 3 $6,610 $8,240 $14,850 45.0% $118
Other Items
Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may
affect your credit score and rating.
Consumer Statements 0 Statements Found
Personal Information 11 Items Found
Inquiries 20 Inquiries Found
Most Recent Inquiry EQUIFAX CONSUMER SERVICESDec 05, 2021
Public Records 0 Records Found
Collections 0 Collections Found

2. Revolving Accounts
Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards.
2.1 MILITARY STAR
Summary
Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.
Account Number Reported Balance $726
Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 39%
Available Credit $1,850
Account History
The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.
Balance
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 $808
2020 $757 $727 $698 $658 $681 $1,059
2021 $935 $905 $816 $726 $631 $535 $581 $831 $882
Available Credit
2019
2020
2021
Scheduled Payment
2019 $21
2020 $21 $21 $13 $41
2021 $41 $41 $31

Actual Payment
2019
2020 $63 $42 $50 $50
2021 $136 $41 $100 $100 $100 $100 $100 $100 $100
High Credit
2019 $1,348
2020 $1,348 $1,348 $1,348 $1,348 $1,348 $1,348
2021 $1,348 $1,348 $1,348 $1,348 $1,348 $1,348 $1,348 $1,348 $1,348
Credit Limit
2019 $1,350
2020 $1,350 $1,350 $1,350 $1,350 $1,350 $1,850
2021 $1,850 $1,850 $1,850 $1,850 $1,850 $1,850 $1,850 $1,850 $1,850
Amount Past Due
2019 $21
2020 $14
2021
Activity Designator
2019
2020
2021
Comments 1
Date Comment
04/2019 Variable/adjustable rate

Date Comment
Payment History
View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a
payment was past due; the letters indicate other account events, such as bankruptcy or collections.
2021 30
2020 30
2019 30 60
2018 30 30 30 60
2017 30 60 30
2016 30 30 30 30
2015
Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available
Account Details
View detailed information about this account. Contact the creditor or lender if you have any questions about it.
High Credit $1,348 Owner INDIVIDUAL
Credit Limit $1,850 Account Type REVOLVING
Terms Frequency MONTHLY Term Duration 0
Balance $726 Date Opened Nov 03, 2015
Amount Past Due Date Reported Dec 03, 2021
Actual Payment Amount $100 Date of Last Payment Nov 01, 2021
Date of Last Activity Scheduled Payment Amount $30
Months Reviewed 73 Delinquency First Reported
Activity Designator Creditor Classification UNKNOWN
Deferred Payment Start Date Charge Off Amount
Balloon Payment Date Balloon Payment Amount
Loan Type Charge Account Date Closed
Date of First Delinquency
Comments Contact
Variable/adjustable rate MILITARY STAR

3911 S WALTON WALKER BLVD
DALLAS, TX 75265-0410

2.2 NAVY FCU
Summary
Available Credit $500
Account History
Balance
2019 $506
2020 $506 $512 $506 $505 $511 $499 $505 $506 $512
2021 $506 $512 $506 $518 $464
Available Credit
2019
2020
2021
Scheduled Payment
2019 $20
2020 $20 $20 $20 $20 $20 $20 $20 $20 $20
2021 $20 $20 $20 $20 $20
Actual Payment

2019
2020 $59 $19 $58
2021 $39 $40 $60
High Credit
2019 $504
2020 $504 $506 $506 $506 $511 $511 $511 $511 $512
2021 $512 $512 $512 $512 $512
Credit Limit
2019 $500
2020 $500 $500 $500 $500 $500 $500 $500 $500 $500
2021 $500 $500 $500 $500 $500
Amount Past Due
2019
2020 $19 $18
2021 $20
Activity Designator
2019
2020
2021
Payment History
2021 30

2020 30 30
2019
2018
2017
2016
2015
Account Details
High Credit $512 Owner INDIVIDUAL
Credit Limit $500 Account Type REVOLVING
Balance $470 Date Opened Dec 16, 2013
Amount Past Due Date Reported Nov 30, 2021
Actual Payment Amount Date of Last Payment Oct 01, 2021
Loan Type Line of Credit Date Closed
Comments Contact
NAVY FCU
820 FOLLIN LANE
PO #161006
MERRIFIELD, VA 22119
1-800-336-3333

2.3 NAVY FEDERAL CU
Summary
Account Number Reported Balance $5,414
Account History
Balance
2019
2020
2021 $3,351
Available Credit
2019
2020
2021
Scheduled Payment
2019
2020
2021 $20
Actual Payment

2019
2020
2021 $578
High Credit
2019
2020
2021 $3,351
Credit Limit
2019
2020
2021 $12,500
Amount Past Due
2019
2020
2021
Activity Designator
2019
2020
2021
Payment History
2021

Account Details
High Credit $6,861 Owner UNDESIGNATED
Balance $5,414 Date Opened Aug 28, 2021
Actual Payment Amount $5,181 Date of Last Payment Nov 01, 2021
Loan Type Credit Card Date Closed
Comments Contact
NAVY FEDERAL CU
ONE SECURITY PLACE
PO #161006
1-800-336-3333

2.4 NAVY FEDERAL CU (CLOSED)
Summary
Account History
Balance
2019 $5,045 $4,987
2020 $4,959 $4,903 $4,777 $4,817 $4,738 $4,617 $4,585
2021 $4,573 $4,528 $4,524 $4,485 $4,465 $4,471 $4,623 $4,597
Available Credit
2019
2020
2021
Scheduled Payment
2019 $101 $100
2020 $100 $99 $96 $95 $94 $95 $93
2021 $92 $92 $91 $91 $90 $90 $92 $93
Actual Payment

2019
2020 $101 $197 $189 $100
2021 $80 $112 $71 $105 $86 $80 $93
High Credit
2019 $5,650 $5,650
2020 $5,650 $5,650 $5,650 $5,650 $5,650 $5,650 $5,650
2021 $5,650 $5,650 $5,650 $5,650 $5,650 $5,650 $5,650 $5,650
Credit Limit
2019 $5,000 $5,000
2020 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000
2021 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000
Amount Past Due
2019 $103 $101
2020 $99 $100 $95 $95
2021 $10
Activity Designator
2019 C C
2020 C C C C C C C
2021 C C C C C C C C
Comments 1
Date Comment
10/2019 Account closed by credit grantor

Date Comment
Payment History
2021 30 30
2020 30 30 30 30 30 30
2019 30 30 30 30 30
2018 30 30 30
2017
2016
2015

Account Details
Balance $4,663 Date Opened Nov 25, 2014
Activity Designator CLOSED Creditor Classification UNKNOWN
Loan Type Credit Card Date Closed Dec 01, 2018
Comments Contact
Account closed by credit grantor NAVY FEDERAL CU

ONE SECURITY PLACE
PO #161006
1-800-336-3333

2.5 WELLS FARGO BANK CARD SERVICES (CLOSED)
Summary
Available Credit $300
Payment History
You currently do not have any Payment History in your file.
Account Details
High Credit $426 Owner INDIVIDUAL
Credit Limit $300 Account Type REVOLVING
Balance $0 Date Opened May 30, 2012
Amount Past Due Date Reported Aug 15, 2014
Actual Payment Amount Date of Last Payment Jan 01, 2013
Date of Last Activity Scheduled Payment Amount
Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN
Loan Type Secured Credit Card Date Closed Dec 01, 2012

Comments Contact
Account closed by credit grantor WELLS FARGO BANK CARD SERVICES

CREDIT BUREAU DISPUTE RESOLUTI
PO BOX 14517
DES MOINES, IA 50306
1-800-642-4720

3. Mortgage Accounts
Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off.
You currently do not have any Mortgage Accounts in your file.

4. Installment Accounts
Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans.
4.1 MILITARY CREDIT SERVICES (CLOSED)
Summary
Account Number xxxxxxxxxxxxxx 0002 Reported Balance $0
Account Status CHARGE_OFF Debt-to-Credit Ratio N/A
Available Credit
Account History
Balance
2019
2020
2021
Available Credit
2019
2020
2021
Scheduled Payment
2019
2020
2021

Actual Payment
2019
2020
2021
High Credit
2019
2020
2021
Credit Limit
2019
2020
2021
Amount Past Due
2019
2020
2021
Activity Designator
2019
2020
2021
Payment History

2021
2020 CO CO CO CO CO CO CO CO CO CO CO
2019 CO CO CO CO CO CO CO CO CO CO CO CO
2018 CO CO CO CO CO CO CO CO CO CO CO CO
2017 CO
2016 120 120
2015 120 120 120 120 120 120 120 120
2014
Account Details
High Credit Owner INDIVIDUAL
Credit Limit Account Type INSTALLMENT
Balance $0 Date Opened Dec 21, 2014
Amount Past Due Date Reported Feb 28, 2021
Months Reviewed 74 Delinquency First Reported Jun 01, 2016
Activity Designator TRANSFER_OR_SOLD_OR_PAID Creditor Classification UNKNOWN
Deferred Payment Start Date Charge Off Amount $3,258
Loan Type Secured Date Closed
Date of First Delinquency Jun 01, 2015

Comments Contact
Paid charge off MILITARY CREDIT SERVICES

1150 E. LITTLE CREEK RD
NORFOLK, VA 23518
1-888-840-6229

4.2 GMFNANCIAL (CLOSED)
Summary
Account Number xxxxx 1464 Reported Balance $0
Account StatusNOT_MORE_THAN_FOUR_PAYMENTS_PAST_DUE Debt-to-Credit Ratio 0%
Available Credit
Payment History
2017
2016 30 30 30 60 60
Account Details
Balance $0 Date Opened Feb 13, 2016
Amount Past Due Date Reported Apr 29, 2017
Actual Payment Amount Date of Last Payment Feb 01, 2017

Loan Type Auto Date Closed Feb 01, 2017
Date of First Delinquency Aug 01, 2016
Comments Contact
Fixed rate GMFNANCIAL

PO BOX 181145
ARLINGTON, TX 76096-1145
1-800-284-2271

4.3 PIONEER/MAC INC (CLOSED)
Summary
Available Credit
Payment History
Account Details
Balance $0 Date Opened Mar 15, 2014
Amount Past Due Date Reported Oct 31, 2016
Actual Payment Amount Date of Last Payment Aug 01, 2016
Loan Type Unsecured Date Closed Aug 01, 2016

Comments Contact
Refinanced PIONEER/MAC INC

3240 EAST TROPICANA
LAS VEGAS, NV 89119
1-888-430-5176

4.4 AFS ACCEPTANCE LLC (CLOSED)
Summary
Available Credit
Payment History
Account Details
High Credit $10,545 Owner JOINT_CONTRACTUAL_LIABILITY
Balance $0 Date Opened Sep 11, 2015
Amount Past Due Date Reported May 31, 2016
Actual Payment Amount Date of Last Payment Feb 01, 2016
Loan Type Auto Date Closed May 01, 2016

Comments Contact
AFS ACCEPTANCE LLC

101 NE 3RD AVE. 20TH FLOOR
SUITE A101
FORT LAUDERDALE, FL 33301
1-954-615-1400

4.5 MILITARY CREDIT SERVICES (CLOSED)
Summary
Account Number xxxxxxxxxxxxxx 0002 Reported Balance $3,258
Account Status CHARGE_OFF Debt-to-Credit Ratio N/A
Available Credit
Payment History
2016 120 120 120
2015 60 90 120 120 120 120 120 120
2014
Account Details
High Credit Owner INDIVIDUAL
Balance $3,258 Date Opened Dec 21, 2014
Amount Past Due $2,805 Date Reported May 01, 2016

Months Reviewed 17 Delinquency First Reported May 01, 2016
Deferred Payment Start Date Charge Off Amount $3,258
Loan Type Secured Date Closed
Date of First Delinquency Mar 01, 2015
Comments Contact
Charged off account MILITARY CREDIT SERVICES

1150 E. LITTLE CREEK RD
NORFOLK, VA 23518
1-888-840-6229

5. Other Accounts
Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support
obligations or rental agreements.
5.1 JEFFERSON CAPITAL SYSTEMS (CLOSED)
Summary
Account Status COLLECTION Debt-to-Credit Ratio 74%
Available Credit
Account History
Balance
2019
2020
2021
Available Credit
2019
2020
2021
Scheduled Payment
2019
2020

2021
Actual Payment
2019
2020
2021
High Credit
2019
2020
2021
Credit Limit
2019
2020
2021
Amount Past Due
2019
2020
2021
Activity Designator
2019
2020
2021
Payment History

Account Details
Credit Limit Account Type OTHER
Terms Frequency UNKNOWN Term Duration 0
Balance $1,308 Date Opened Nov 12, 2019
Amount Past Due $1,308 Date Reported Nov 26, 2021
Actual Payment Amount Date of Last Payment
Months Reviewed 20 Delinquency First Reported Mar 01, 2020
Activity Designator Creditor Classification FINANCIAL
Loan Type Debt Buyer Account Date Closed
Date of First Delinquency Jan 01, 2018
Comments Contact
Collection account JEFFERSON CAPITAL SYSTEMS

16 MCLELAND RD
ST CLOUD, MN 56303
1-888-718-0048

6. Consumer Statements
Consumer Statements are explanations of up to 100 words you can attach to your credit file to provide more information on an item you
may disagree with or would like to provide details on. Consumer statements are voluntary and have no impact on your credit score.
You currently do not have any Consumer Statements in your file.

7. Personal Information
Creditors use your personal information primarily to identify you. This information has no impact on your credit score.
Identification
Identification is the information in your credit file that indicates your current identification as reported to Equifax. It does not affect your
credit score or rating.
Name JONATHAN P DELGADO
Formerly known as
Social Security Number xxxxx 2311
Age or Date of Birth Feb 17, 1989
Other Identification
You currently do not have any Other Identifications in your file.
Alert Contact Information
You currently do not have any Alert Contacts in your file.
Contact Information
Contact information is the information in your credit file that indicates your former and current addresses as reported to Equifax. It does
not affect your credit score or rating.
Address Status Date Reported
PSC 557 BOX 994 Current Dec 01, 2021

APO SAN FRANCISCO, CA 96379
13182 ADAMS ST Former Jul 16, 2019

QUANTICO, VA 22134
PO BOX 237 Former Dec 03, 2021

HUBERT, NC 28539
3182 ADAMS ST Former Mar 23, 2021

WOODBRIDGE, VA 22193
8846 ANDY CT APT A Former Sep 07, 2016

BOYNTON BEACH, FL 33436
18782 POINT CYPRESS CT Former Nov 10, 2015

BOCA RATON, FL 33498

375 S RANDOLPH AVE APT 307 Former Aug 08, 2018
BREA, CA 92821
Employment History
Employment history is the information in your credit file that indicates your current and former employment as reported to Equifax. It
does not affect your credit score or rating.
Company Occupation
USMC ACTIVE DUTY MARINE
MARINE CORPS E4
UNITED STATES MARINE ACTIVE DUTY

8. Inquiries
A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and
those that do not.
Hard Inquiries
Inquiries that may impact your credit rating/score

These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years.
Date Company Request Originator
Sep 16, 2021 CITIZENS BANK
100 SOCKANOSSETT CROSS ROADS

RDC 565
CRANSTON, RI 02920
1-855-764-6395
Sep 30, 2020 LENDMARK FINANCIAL SERVICES
2118 USHER ST NW
COVINGTON, GA 30014
1-866-413-8340
Sep 01, 2020 NAVY FCU
820 FOLLIN LANE

PO #161006
VIENNA, VA 22180
Aug 15, 2020 CAPITAL ONE
15000 CAPITAL ONE DRIVE

PO# USBNK518211
RICHMOND, VA 23238
Aug 09, 2020 CAPITAL ONE
15000 CAPITAL ONE DRIVE

PO# USBNK518211
RICHMOND, VA 23238
Aug 09, 2020 CARMAX AUTO FINANCE
225 CHASTAIN MEADOWS CT

KENNESAW, GA 30144
1-770-792-4600

Soft Inquiries
Inquiries that do not impact your credit rating/score

These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor
or your own requests to check your credit file. They may remain on your file for up to 2 years.
Date Company Request Originator Description
Dec 05, 2021 EQUIFAX CONSUMER SERVICES
Nov 23, 2021 NAVY FCU Account Review Inquiry
Oct 12, 2021 CAPITAL ONE AUTO FINANCE Promotional Inquiry
Sep 18, 2021 AT&T SERVICES, INC.-MT Soft Inquiry
Aug 31, 2021 CAPITAL ONE AUTO FINANCE Promotional Inquiry
Aug 03, 2021 CAPITAL ONE AUTO FINANCE Promotional Inquiry
Jul 13, 2021 CAPITAL ONE AUTO FINANCE Promotional Inquiry
Jun 08, 2021 CAPITAL ONE AUTO FINANCE Promotional Inquiry
Jun 04, 2021 VERIZON WIRELESS-SE
Jun 04, 2021 VERIZON TELECOM ID Report
May 04, 2021 CAPITAL ONE AUTO FINANCE Promotional Inquiry
Apr 06, 2021 CAPITAL ONE AUTO FINANCE Promotional Inquiry
Dec 15, 2020 CREDIT KARMA, INC
Oct 12, 2020 CAPITAL ONE Soft Inquiry

9. Public Records
This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, LexisNexis.
They can be contacted at: https://equifaxconsumers.lexisnexis.com
LexisNexis Consumer Center
P.O. Box 105615
Atlanta, GA 30348-5108
Bankruptcies
Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay
on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on
your credit score.
You currently do not have any Bankruptcies in your file.
Judgments
Judgments are a legal status granted by a court that indicates you must pay back an outstanding debt. Judgments stay on your credit
report up to 7 years from the date filed and generally have a negative impact on your credit score.
You currently do not have any Judgments in your file.
Liens
A lien is a legal claim on an asset, and Equifax only collects tax related liens. Liens stay on your credit report up to 10 years and
generally have a negative impact on your credit score.
You currently do not have any Liens in your file.

10. Collections
Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your
credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit
score.
You currently do not have any Collections in your file.

11. Dispute File Information
If you believe that any of the information found on this report is incorrect, there are 3 ways to launch an investigation about the
information in this report.
When you file a dispute, the credit bureau you contact is required to investigate your dispute within 30 days. They will not remove
accurate data unless it is outdated or cannot be verified.
To initiate a dispute online please visit https://www.ai.equifax.com
To check the status or view the results of your dispute please visit https://www.ai.equifax.com

Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
12. 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 N.W., 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:
o a person has taken adverse action against you because of information in your credit report;
o you are the victim of identity theft and place a fraud alert in your file;
o your file contains inaccurate information as a result of fraud;
o you are on public assistance;
o 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 form 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.
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.
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.
• 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.
• Identity theft victims and active duty military personnel have additional rights. For more information,
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 (see next page):

TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of a.Consumer Financial Protection Bureau 1700 G Street,
over $10 billion and their affiliates N.W.Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit b.Federal Trade Commission Consumer Response Center 600
unions also should list, in addition to the CFPB: Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357
2.To the extent not included in item 1 above: a.National banks, federal a.Office of the Comptroller of the Currency Customer Assistance
savings associations, and federal branches and federal agencies of Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050
foreign banks
b.State member banks, branches and agencies of foreign banks (other

b.Federal Reserve Consumer Help Center P.O. Box 1200
than federal branches, federal agencies, and Insured State Branches
Minneapolis, MN 55480
of Foreign Banks), commercial lending companies owned or controlled
by foreign banks, and organizations operating under section 25 or 25A
of the Federal Reserve Act.
c.Nonmember Insured Banks, Insured State Branches of Foreign

Banks, and insured state savings associations c.FDIC Consumer Response Center 1100 Walnut Street, Box #11
Kansas City, MO 64106
d.Federal Credit Unions
d.National Credit Union Administration Office of Consumer Financial
Protection (OCFP) Division of Consumer Compliance Policy and
Outreach 1775 Duke Street Alexandria, VA 22314
3.Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings
Aviation Consumer Protection Division Department of Transportation
1200 New Jersey Avenue, S.E. Washington, DC 20590
4.Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of
Transportation 395 E Street, S.W. Washington, DC 20423
5.Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor
6.Small Business Investment Companies Associate Deputy Administrator for Capital Access United States
Small Business Administration 409 Third Street, S.W., Suite 8200
Washington, DC 20416
7.Brokers and Dealers Securities and Exchange Commission 100 F Street, N.E. Washington,
DC 20549
8.Federal Land Banks, Federal Land Bank Associations, Federal Farm Credit Administration 1501 Farm Credit Drive McLean, VA
Intermediate Credit Banks, and Production Credit Associations 22102-5090
9.Retailers, Finance Companies, and All Other Creditors Not Listed Federal Trade Commission Consumer Response Center 600
Above Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357

Commonly Asked Questions About Credit Files
Q. How can I correct a mistake in my credit file?

A. Complete the Research Request form and give details of the information you believe is incorrect. We will then check with the credit
grantor, collection agency or public record source to see if any error has been reported. Information that cannot be verified will be
removed from your file. If you and a credit grantor disagree on any information, you will need to resolve the dispute directly with the
credit grantor who is the source of the information in question.
Q. If I do have credit problems, is there someplace where I can get advice and assistance?
A. Yes, there are a number of organizations that offer assistance. For example, the Consumer Credit Counseling Service (CCCS) is a
non-profit organization that offers free or low-cost financial counseling to help people solve their financial problems. CCCS can help you
analyze your situation and work with you to develop solutions. There are more than 600 CCCS offices throughout the country. Call 1
(800) 388-2227 for the telephone number of the office nearest you.
Facts You Should Know
o The length of time an account or record remains in your credit file is shown below:
Collection Agency Accounts: Remain up to 7 years from the Date of First Delinquency.
Credit or Other reported accounts: Accounts paid as agreed remain for up to 10 years from the date last reported by the lender.
Accounts not paid as agreed (i.e., delinquent, charged off, accounts placed for collection) remain for up to 7 years from the
Date of First Delinquency.
Public Records: Bankruptcy-
Chapter 7 or 11 bankruptcies filed and discharged remain for 10 years from the date filed.
Chapter 12 and 13 bankruptcies remain for 7 years from the date filed.
Dismissed bankruptcies (all chapters) remain for 7 years from the date filed.
New York Residents Only (must be a current resident): Paid collections remain on your Equifax credit report for 5 years from the
date of the first missed payment. A paid Charged Off account remains on the file for 5 years from the Date of First Delinquency.
o Name, address, and Social Security Number information may be provided to businesses that have a legitimate need to locate or
identify a consumer.
Additional Notice to Consumer:
You may request a description of the procedure used to determine the accuracy and completeness of the information, including the
business name and address of the furnisher of information contacted, and if reasonably available the telephone number.
If the reinvestigation does not resolve your dispute, you have the right to add a statement to your credit file disputing the accuracy or
completeness of the information; the statement should be brief and may be limited to not more than one hundred words explaining
the nature of your dispute.
If the reinvestigation results in the deletion of disputed information, or you submit a statement in accordance with the preceding
paragraph, you have the right to request that we send your revised credit file to any company specifically designated by you that
received your credit report in the past six months (twelve months for California, Colorado, Maryland, New Jersey and New York
residents) for any purpose or in the past two years for employment purposes.

Your Rights Under State Law
STATE OF CALIFORNIA - Consumer Credit Reporting Agencies Act
You have a right to obtain a copy of your credit file from a consumer credit reporting agency. You may be charged a reasonable fee not
exceeding eight dollars ($8.00). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental
dwelling because of information in your credit report within the preceding 60 days. The consumer credit reporting agency must provide
someone to help you interpret the information in your credit file.
You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor
any credit repair company or credit service organization has the right to have accurate, current, and verifiable information removed from
your credit report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative
information from your report only if it is over seven (7) years old. Bankruptcy information can be reported for ten (10) years.
If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of information in your file, the consumer
credit reporting agency must then, within 30 business days, reinvestigate and modify or remove inaccurate information. The consumer
credit reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have
concerning an error should be given to the consumer credit reporting agency.
If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting
agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your
statement about disputed information in a report it issues about you.
You have a right to receive a record of all inquiries relating to a credit transaction initiated in 12 months preceding your request. This
record shall include the recipients of any consumer credit report.
You may request in writing that the information contained in your file not be provided to a third party for marketing purposes.
You have a right to place a "security alert" in your credit report, which will warn anyone who receives information in your credit report
that your identity may have been used without your consent. Recipients of your credit report are required to take reasonable steps,
including contacting you at the telephone number you may provide with your security alert, to verify your identity prior to lending money,
extending credit, or completing the purchase, lease, or rental of goods or services. The security alert may prevent credit, loans, and
services from being approved in your name without your consent. However, you should be aware that taking advantage of this right may
delay or interfere with the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or
cellular phone or other new account, including an extension of credit at point of sale. If you place a security alert on your credit report,
you have a right to obtain a free copy of your credit report at the time the initial one year security alert period expires. A security alert
may be requested by calling the following toll-free telephone number: 1-800-525-6285.
You have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a
file, knowingly or willfully misuses file data, or fails to correct inaccurate file data.
If you are a victim of identity theft and provide to a consumer credit reporting agency a copy of a valid police report or a valid
investigative report made by a Department of Motor Vehicles investigator with peace officer status describing your circumstances, the
following shall apply:
You have a right to have any information you list on the report as allegedly fraudulent promptly blocked so that the information cannot
be reported. The information will be unblocked only if (A) the information you provide is a material misrepresentation of the facts, (B) you
agree that the information is blocked in error, or (C) you knowingly obtained possession of goods, services, or moneys as result of the
blocked transactions. If blocked information is unblocked, you will be promptly notified.
You have a right to receive, free of charge and upon request, one copy of your credit report each month for up to 12 consecutive
months.
If you have requested the credit file and not the credit score, you may request and obtain a credit score. The charge for the credit score
is $7.95. To obtain a credit score from Equifax call 800-685-1111.
You may also mail your request to:

Equifax
P.O. Box 105379
Atlanta, GA 30348-5379
Using any other address may delay the processing of your request. Please enclose a check for $7.95 payable to Equifax Information
Services LLC with your request. Also include your complete name, complete address, social security number and date of birth.

Creditreport 1638763738675

Uploaded by

Copyright:

Available Formats

Creditreport 1638763738675

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

Creditreport 1638763738675

Uploaded by

Copyright:

Available Formats

CREDIT REPORT

JONATHAN DELGADO | Dec 06, 2021 Page 2 of 49

Report Date Dec 06, 2021

Credit File Status No fraud indicator on file

Alert Contacts 0 Records Found

Average Account Age 6 Years

Length of Credit History 9 Years, 7 Months

Accounts with Negative Information 7

Most Recent Account NAVY FEDERAL CU (Opened Aug 28, 2021)

Revolving 3 3 $6,610 $8,240 $14,850 45.0% $118

Total 3 3 $6,610 $8,240 $14,850 45.0% $118

Consumer Statements 0 Statements Found

Personal Information 11 Items Found

Inquiries 20 Inquiries Found

Most Recent Inquiry EQUIFAX CONSUMER SERVICESDec 05, 2021

Public Records 0 Records Found

Collections 0 Collections Found

JONATHAN DELGADO | Dec 06, 2021 Page 3 of 49

2.1 MILITARY STAR

Account Number Reported Balance $726

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 39%

Available Credit $1,850

2020 $757 $727 $698 $658 $681 $1,059

2020 $21 $21 $13 $41

2021 $41 $41 $31

JONATHAN DELGADO | Dec 06, 2021 Page 4 of 49

2020 $63 $42 $50 $50

2020 $1,348 $1,348 $1,348 $1,348 $1,348 $1,348

2020 $1,350 $1,350 $1,350 $1,350 $1,350 $1,850

Amount Past Due

04/2019 Variable/adjustable rate

JONATHAN DELGADO | Dec 06, 2021 Page 5 of 49

02/2020 Variable/adjustable rate

04/2020 Variable/adjustable rate

05/2020 Variable/adjustable rate

06/2020 Variable/adjustable rate

07/2020 Variable/adjustable rate

09/2020 Variable/adjustable rate

01/2021 Variable/adjustable rate

02/2021 Variable/adjustable rate

03/2021 Variable/adjustable rate

04/2021 Variable/adjustable rate

05/2021 Variable/adjustable rate

06/2021 Variable/adjustable rate

07/2021 Variable/adjustable rate

08/2021 Variable/adjustable rate

09/2021 Variable/adjustable rate

JONATHAN DELGADO | Dec 06, 2021 Page 6 of 49

High Credit $1,348 Owner INDIVIDUAL

Credit Limit $1,850 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $726 Date Opened Nov 03, 2015

Amount Past Due Date Reported Dec 03, 2021

Date of Last Activity Scheduled Payment Amount $30

Months Reviewed 73 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Charge Account Date Closed