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Printable Report
12/5/13, 8:14 AM
Accounts
Lenders frequently report details about your credit accounts to the credit bureaus. These details typically include the type of account, when you open it, your monthly balance, if and when you missed a payment and the accounts status when you closed it. Your FICO score takes into account the open and closed accounts in your credit report. Click Details to find out more information.
Accounts
Company Sallie Mae Sallie Mae Dbk/Glelsi Edfinsvcs Edfinsvcs Sallie Mae Sallie Mae Dpt Ed/Slm Sallie Mae Edfinsvcs Dpt Ed/Slm Edfincslfs Edfincslfs Edfincslfs Chase Sallie Mae Sallie Mae Time Pmt Citi Natcreadj Portfolio MacYsdsnb Bk Of Amer Cap One Cap1/Bstby Ui Amex Santander XXXXXXXXXXXXX1000 XXXXXXXXXXXXXXXX0091 XXXXXXXXXXXXX0003 XXXXXXXXXXXXX0002 XXXXXXXXXXXXX0001 XXXXXXXX8630 XXXXXXXXXXXXXXXX0091 XXXXXXXXXXXXXXXX0091 XXXXXXXXXXX2505 XXXXXXXXXXXXXXXX0061 XXXXXXXXXXXXXXXX0070 XXXXXXXXXXXXXXXX0091 XXXXXXXXXXXXXXXX0061 Account number XXXXXXXXXXXX1253 XXXXXXXXXXXX1261 XXXXXX1312 Date opened 8/2007 12/2007 12/2008 10/2008 9/2008 10/2006 9/2007 10/2009 10/2006 9/2008 10/2009 10/2008 9/2008 9/2008 4/2008 10/2009 10/2009 5/2011 4/2010 5/2012 8/2012 3/2007 1/2007 10/2010 12/2007 7/2008 7/2007 12/2009 Balance $20,471 $12,007 $7,178 $6,797 $6,149 $5,864 $3,756 $2,866 $2,817 $2,728 $1,120 $0 $0 $0 $0 $0 $0 $10,485 $4,507 $1,351 $660 $282 $0 $0 $0 $0 $0 $0 Status Bad debt/collection Bad debt/collection Pays account as agreed Pays account as agreed Pays account as agreed Pays account as agreed Pays account as agreed Pays account as agreed Pays account as agreed Pays account as agreed Pays account as agreed Pays account as agreed Pays account as agreed Pays account as agreed Bad debt/collection Pays account as agreed Pays account as agreed Bad debt/collection Bad debt/collection 120+ days past due 120+ days past due Bad debt/collection Bad debt/collection Bad debt/collection Bad debt/collection Pays account as agreed Pays account as agreed Pays account as agreed No No No No No No No No No Negative Indicator?
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Printable Report
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Account Details
Student Loan Account
Nov, 2013
Sallie Mae
Status as of Date opened Date of last activity Account number Largest past balance Account Type Account holder Scheduled Payment Amount Industry Descriptions Charged off account Student loan
No contact information provided by Equifax
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8
Nov, 2013 Aug, 2007 Aug, 2011 XXXXXXXXXXXX1253 $17,770 Installment Individual $156 Miscellaneous
Balance
Current Status
Past Due Amount
$20,471
Seven year payment history
Bad debt/collection
$4,678
30 days late 60 days late 90+ days late

Recent payment history
2 times 1 time 4 times (Jan 2012, Dec 2011, Nov 2011)
10
2011
Legend: Currently paid as agreed 120 days late
2012
2013
Worst Delinquency
120+ days past due

The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO score.
Sallie Mae
Status as of Date opened Date of last activity Account number Largest past balance Account Type Account holder Scheduled Payment Amount Industry Descriptions Charged off account Student loan
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8
Nov, 2013
Nov, 2013 Dec, 2007 Aug, 2011 XXXXXXXXXXXX1261 $10,423 Installment Individual $97 Miscellaneous
Balance
Current Status
Past Due Amount
$12,007
Bad debt/collection
$2,929

10
2011
2012
2013
Worst Delinquency
120+ days past due

Dbk/Glelsi
Status as of Date opened Date of last activity Account number Largest past balance Account Type Account holder Scheduled Payment Amount Industry Oct, 2013 Dec, 2008 Oct, 2013 XXXXXX1312 $8,237 Installment Individual $74 Miscellaneous Balance Current Status
Oct, 2013
$7,178
Pays account as agreed

0 times 2 times (Feb 2012) 3 times (Apr 2012, Mar 2012, Oct 2011)
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Printable Report
Descriptions Student loan
10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5
12/5/13, 8:14 AM
2011
2012
2013
90 days late
Worst Delinquency
90 days past due

Edfinsvcs
Status as of Date opened Date of last activity Largest past balance Account Type Account holder Scheduled Payment Amount Industry Descriptions Student loan
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8
Nov, 2013
Nov, 2013 Oct, 2008 Nov, 2013 $5,000 Installment Individual $78 Miscellaneous
Balance
Current Status
$6,797

0 times 0 times 6 times (Apr 2013, Mar 2013, Feb 2013, Jan 2013, Dec 2012, Nov 2012)
10
2011
2012
2013
Worst Delinquency
120+ days past due

Edfinsvcs
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8
Nov, 2013
Nov, 2013 Sep, 2008 Nov, 2013 $5,500 Installment Individual $67 Miscellaneous
Balance
Current Status
$6,149

10
2011
2012
2013
Worst Delinquency
120+ days past due

Sallie Mae
Status as of Oct, 2013 Balance Current Status
Oct, 2013
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Printable Report
Date opened Date of last activity Account number Largest past balance Account Type Account holder Scheduled Payment Amount Industry Descriptions Student loan Fixed rate
12/5/13, 8:14 AM
Oct, 2006 Oct, 2013 XXXXXXXXXXXXXXXX0061 $4,000 Installment Individual $69 Miscellaneous
$5,864

Worst Delinquency
0 times 0 times 0 times
None Reported
Sallie Mae
Status as of Date opened Date of last activity Account number Largest past balance Account Type Account holder Scheduled Payment Amount Industry Descriptions Student loan Fixed rate
10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7
Oct, 2013
Oct, 2013 Sep, 2007 Oct, 2013 XXXXXXXXXXXXXXXX0070 $3,500 Installment Individual $44 Miscellaneous
Balance
Current Status
$3,756

0 times 0 times 2 times (Jan 2012, Dec 2011)
2011
Legend: Currently paid as agreed 90 days late 120 days late
2012
2013
Worst Delinquency
120+ days past due

Dpt Ed/Slm
Oct, 2013
Oct, 2013 Oct, 2009 Oct, 2013 XXXXXXXXXXXXXXXX0091 $5,500 Installment Individual $38 Miscellaneous
Balance
Current Status
$2,866

Worst Delinquency
None Reported
Sallie Mae
Status as of Date opened Date of last activity Account number Oct, 2013 Oct, 2006 Oct, 2013 XXXXXXXXXXXXXXXX0061 Balance Current Status
Oct, 2013
$2,817
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Printable Report
Largest past balance Account Type Account holder Scheduled Payment Amount Industry Descriptions Student loan Fixed rate
12/5/13, 8:14 AM
$2,625 Installment Individual $33 Miscellaneous 30 days late 60 days late 90+ days late
Worst Delinquency
None Reported
Edfinsvcs
11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8
Nov, 2013
Nov, 2013 Sep, 2008 Nov, 2013 $2,000 Installment Individual $31 Miscellaneous
Balance
Current Status
$2,728

10
2011
2012
2013
Worst Delinquency
120+ days past due

Dpt Ed/Slm
Oct, 2013
Oct, 2013 Oct, 2009 Oct, 2013 XXXXXXXXXXXXXXXX0091 $2,000 Installment Individual $17 Miscellaneous
Balance
Current Status
$1,120

Worst Delinquency
None Reported
Edfincslfs
Status as of Date opened Date of last activity Account number Largest past balance Account Type Account holder Industry Nov, 2012 Oct, 2008 Jul, 2010 XXXXXXXXXXXXX0003 $5,000 Installment Individual Miscellaneous Balance Current Status
Nov, 2012
$0
0 times 0 times 2 times (Oct 2012, Sep 2012)
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Printable Report
Descriptions Account transferred or sold Student loan
No contact information provided by Equifax Recent payment history
12/5/13, 8:14 AM
11
12
10
11
12
10
2010
2011
2012
Worst Delinquency
120+ days past due

Edfincslfs
Status as of Date opened Date of last activity Account number Largest past balance Account Type Account holder Industry Descriptions Account transferred or sold Student loan
Nov, 2012
Nov, 2012 Sep, 2008 Jul, 2010 XXXXXXXXXXXXX0002 $2,000 Installment Individual Miscellaneous
Balance
Current Status
$0

11
12
10
11
12
10
2010
2011
2012
Worst Delinquency
120+ days past due

Edfincslfs
Nov, 2012
Nov, 2012 Sep, 2008 Jul, 2010 XXXXXXXXXXXXX0001 $5,500 Installment Individual Miscellaneous
Balance
Current Status
$0

11
12
10
11
12
10
2010
2011
2012
Worst Delinquency
120+ days past due

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Chase
Status as of Date opened Date of last activity Account number Largest past balance Account Type Account holder Industry Descriptions Charged off account Student loan
Legend:
Mar, 2012
Mar, 2012 Apr, 2008 Nov, 2011 XXXXXXXX8630 $15,715 Installment Individual Miscellaneous
Balance
Current Status
$0
Bad debt/collection

1 time (Nov 2011) 1 time (Dec 2011) 1 time (Jan 2012)
10
11
12
10
11
12
2010
Currently paid as agreed 30 days late 60 days late
2011
2012
90 days late
Worst Delinquency
90 days past due

Sallie Mae
Sep, 2010
Sep, 2010 Oct, 2009 Aug, 2010 XXXXXXXXXXXXXXXX0091 $5,500 Installment Individual Miscellaneous
Balance
Current Status
$0

Worst Delinquency
None Reported
Sallie Mae
Sep, 2010
Sep, 2010 Oct, 2009 Aug, 2010 XXXXXXXXXXXXXXXX0091 $2,000 Installment Individual Miscellaneous
Balance
Current Status
$0

Worst Delinquency
None Reported
Credit Account
Time Pmt
Status as of Date opened Nov, 2013 May, 2011 Balance Current Status Past Due Amount
Nov, 2013
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Date of last activity Account number Largest past balance Account Type Account holder Scheduled Payment Amount Industry Descriptions
Aug, 2011 XXXXXXXXXXX2505 $7,209 Installment Individual $281 Miscellaneous
$10,485
Bad debt/collection
$10,485

Worst Delinquency
0 times 0 times 1 time (Aug 2011)
Charged off account Amount in high credit is original charge-off amount

120+ days past due

Credit Account
Citi
Status as of Date opened Date of last activity Largest past balance Account Type Account holder Scheduled Payment Amount Industry Descriptions Charged off account Account closed by credit grantor
Nov, 2013
Nov, 2013 Apr, 2010 Jul, 2011 $3,000 Revolving Individual $4,507 All Banks
Balance
Current Status
Past Due Amount
$4,507
Bad debt/collection
$2,796

11
12
10
11
12
10
2011
2012
2013
Worst Delinquency
120+ days past due

Credit Account
Natcreadj
Status as of Date opened Date of last activity Largest past balance Account Type Account holder Industry Descriptions Collection account
No contact information provided by Equifax Worst Delinquency
Nov, 2013
Nov, 2013 May, 2012 Sep, 2011 $1,351 Open Account Individual Factoring Companies
Balance
Current Status
Past Due Amount
$1,351
120+ days past due
$1,351
None Reported
Credit Account
Portfolio
Status as of Date opened Date of last activity Largest past balance Nov, 2013 Aug, 2012 Aug, 2011 $660 Balance Current Status Past Due Amount
Nov, 2013
$660
120+ days past due
$660
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Printable Report
Account Type Account holder Industry Descriptions Collection account
12/5/13, 8:14 AM
Open Account Individual Factoring Companies 30 days late 60 days late 90+ days late 0 times 0 times 0 times
None Reported
Credit Account
MacYsdsnb
Status as of Date opened Date of last activity Account Type Account holder Scheduled Payment Amount Industry Descriptions Charged off account Account closed by credit grantor
Jan, 2012
Jan, 2012 Mar, 2007 Sep, 2011 Revolving Individual $282 Complete Dept. Stores
Balance
Current Status
Past Due Amount
$282
Bad debt/collection
$282
3 times (Aug 2011) 0 times 3 times (Dec 2011, Nov 2011, Oct 2011)
10
11
12
10
11
12
2010
Legend: Currently paid as agreed 30 days late 120 days late 90 days late
2011
Worst Delinquency
120+ days past due

Credit Account
Bk Of Amer
Status as of Date opened Date of last activity Largest past balance Account Type Account holder Industry Descriptions Account transferred or sold Charged off account
Sep, 2013
Sep, 2013 Jan, 2007 Sep, 2011 $1,327 Revolving Individual National Credit Card Cos.
Balance
Current Status
$0
Bad debt/collection
1 time (Oct 2011) 1 time (Nov 2011) 4 times (Mar 2012, Feb 2012, Jan 2012, Dec 2011)
10
11
12
10
11
12
2011
2012
2013
60 days late
90 days late
Worst Delinquency
120+ days past due

Credit Account
Cap One
Aug, 2012
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12/5/13, 8:14 AM
Aug, 2012 Oct, 2010 Aug, 2011 $359 Revolving Individual All Banks Balance Current Status
$0
Bad debt/collection
1 time (Sep 2011) 1 time (Oct 2011) 4 times (Feb 2012, Jan 2012, Dec 2011, Nov 2011)
10
11
12
10
11
12
2010
Legend: Not Open 30 days late 120 days late
2011
Currently paid as agreed 60 days late 90 days late
2012
Worst Delinquency
120+ days past due

Credit Account
Cap1/Bstby
May, 2012
May, 2012 Dec, 2007 Oct, 2011 $762 Revolving Individual Television & Radio
Balance
Current Status
$0
Bad debt/collection
1 time (Nov 2011) 1 time (Dec 2011) 4 times (Apr 2012, Mar 2012, Feb 2012, Jan 2012)
10
11
12
10
11
12
2010
Legend: Currently paid as agreed 30 days late 120 days late 60 days late
2011
2012
90 days late
Worst Delinquency
120+ days past due

Credit Account
Ui
Status as of Date opened Date of last activity Largest past balance Account Type Account holder Industry Descriptions Utility
Apr, 2011
Apr, 2011 Jul, 2008 Apr, 2011 $0 Open Account Individual Electrical Light & Power
Balance
Current Status
$0
None Reported
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your
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Printable Report
12/5/13, 8:14 AM
score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO score.
Credit Account
Amex
Status as of Date opened Date of last activity Largest past balance Account Type Account holder Industry Descriptions Closed or paid account / zero balance Account closed by credit grantor
Jun, 2009
Jun, 2009 Jul, 2007 May, 2009 $1,100 Revolving Individual All Banks
Balance
Current Status
$0
None Reported
Vehicle Loan Account
Santander
Status as of Date opened Date of last activity Account number Largest past balance Account Type Account holder Scheduled Payment Amount Industry Descriptions Closed or paid account / zero balance Auto
Jul, 2010
Jul, 2010 Dec, 2009 Jul, 2010 XXXXXXXXXXXXX1000 $15,579 Installment Individual $339 Auto Financing
Balance
Current Status
$0

Worst Delinquency
None Reported
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Inquiries
An inquiry indicates when a business, usually a lender, has checked your credit. The inquiries listed here are the number of times in the 12 months since the date of this report that a lender has checked your credit at Equifax. These inquiries appear because you applied for credit with the listed company. Inquiries associated with applying for new credit are the only kind of inquiry that may hurt your FICO score.
Inquiries that may be affecting your FICO score

Total: 3 Times Date November 19, 2013 November 06, 2013 October 14, 2013 Company making the inquiry Cap One Cap One Af Allied Int
Inquiries listed here are requests by lenders to view your credit report because you have applied for credit with them. Having many inquiries can hurt your FICO score, because that might be a sign that you are in a financial situation where you need credit. A single inquiry, however, will have little impact on your score. Three other kinds of inquiries do not affect your FICO score and are not listed here. One occurs when lenders search for consumers that might qualify for pre-approved credit. Another occurs when you request to view your own credit report, such as when ordering products on myFICO. Other inquiries that do not affect your score are any inquiries used for purposes other than granting credit, such as an inquiry requested by a landlord. Note: In general, inquiries contribute to less than 10% of your FICO score.
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Collections
A collection is reported on your credit report when a business turns over an unpaid account to a collection agency. One collection can hurt your FICO score and several collections can severely hurt your FICO score.
Collection on debt to: Fia Card Servic

The collection agency "606YC13027" was hired to collect a debt of $1,327 originally owed to "Fia Card Servic" on account number "XXXXXXXX". Collection agency Original balance Current balance Date assigned Original lender Account number Account holder 606YC13027 $1,327 $1,327 Sep, 2013 Fia Card Servic XXXXXXXX Individual
Collection on debt to: The United Illu

The collection agency "405YC01540" was hired to collect a debt of $411 originally owed to "The United Illu" on account number "XXXXXXXX". Collection agency Original balance Current balance Date assigned Original lender Account number Account holder 405YC01540 $411 $411 Mar, 2012 The United Illu XXXXXXXX Individual
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Public Records
Public records are legal records reported on you, usually by a court of law. Adverse public records include bankruptcies, foreclosures, garnishments, and tax liens and they can severely hurt your FICO score. Other types of public records such as divorces are not considered by your FICO score.
You have no public records.
Page 18 of 18

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Past Due Amount

30 days late 60 days late 90+ days late

2 times 1 time 4 times (Jan 2012, Dec 2011, Nov 2011)

120+ days past due

Student Loan Account

Past Due Amount

30 days late 60 days late 90+ days late

2 times 1 time 4 times (Jan 2012, Dec 2011, Nov 2011)

120+ days past due

Student Loan Account

Pays account as agreed

30 days late 60 days late 90+ days late

90 days past due

Student Loan Account

Pays account as agreed

30 days late 60 days late 90+ days late

120+ days past due

Student Loan Account

Pays account as agreed

30 days late 60 days late 90+ days late

120+ days past due

Student Loan Account

Pays account as agreed

30 days late 60 days late 90+ days late

0 times 0 times 0 times

Pays account as agreed

30 days late 60 days late 90+ days late

0 times 0 times 2 times (Jan 2012, Dec 2011)

120+ days past due

Student Loan Account

Pays account as agreed

30 days late 60 days late 90+ days late

0 times 0 times 0 times

Pays account as agreed

0 times 0 times 0 times

Pays account as agreed

30 days late 60 days late 90+ days late

120+ days past due

Student Loan Account

Pays account as agreed

30 days late 60 days late 90+ days late

0 times 0 times 0 times

Pays account as agreed

30 days late 60 days late 90+ days late

0 times 0 times 2 times (Oct 2012, Sep 2012)

120+ days past due

Student Loan Account

Pays account as agreed

30 days late 60 days late 90+ days late

0 times 0 times 2 times (Oct 2012, Sep 2012)

120+ days past due

Student Loan Account

Pays account as agreed

30 days late 60 days late 90+ days late

0 times 0 times 2 times (Oct 2012, Sep 2012)

120+ days past due

Student Loan Account

30 days late 60 days late 90+ days late

1 time (Nov 2011) 1 time (Dec 2011) 1 time (Jan 2012)

90 days past due

Student Loan Account