10/11/23, 6:10 PM Experian

Prepared For

LUIS CARIAS
Personal & confidential

Date generated: Oct 11, 2023

At a glance

FICO® Score 8


492 Experian data Oct 11, 2023

300 850
Poor

Account summary Overall credit usage Debt summary

Open accounts 1 Credit card and credit line debt $0

Self-reported accounts 0 Self-reported account balance $0

Accounts ever late 7 Loan debt $0

Closed accounts 10
0% Collections debt $1,950

Collections 2 Total debt $1,950

Average account age 3 yrs 3 mos

Oldest account 4 yrs

Credit used: $0

Credit limit: $0

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

Personal information

Name Addresses Employers

LUIS CARIAS 7936 WILCOX AVE SATELLITE BODY
CUDAHY, CA 90201-5202
Also known as PHENIX
AREVALO LUIS CARIAS 793 6 WILCOX CASA
CUDAHY, CA 90201
LUIS CARIAS

LUIS CARLOS CARIAS

Generational identifier
-

Year of birth
1987

Personal statements

No Statement(s) present at this time

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

Open accounts

DON ROBERTO JEWELERS $0

Exceptional payment history Balance updated Nov 16, 2020

 Account info
Account name DON ROBERTO JEWELERS Balance $0

Account number 728027XX Balance updated Nov 16, 2020

Original creditor - Credit limit -

Company sold - Credit usage -

Account type Charge Card Monthly payment $0

Date opened Nov 17, 2019 Last Payment Date Sep 23, 2020

Open/closed Open Highest balance $1,504

Status Open/Never late. Terms -

Status updated Nov 2020 Responsibility Individual

Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020 -           -

 Current / Terms met - Data Unavailable

 Contact info
Address 205 AVENIDA FABRICANTE SAN CLEMENTE,
CA 92672

Phone number (714) 361-6700

 Comments
-

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

Closed accounts

CREDIT CORP SOLUTIONS $1,024

3 potentially negative months Closed

 Account info
Account name CREDIT CORP SOLUTIONS Balance $1,024

Account number 516648XXXXXXXXXX Balance updated Sep 27, 2023

Original creditor CERULEAN Original balance $1,024

Company sold - Monthly payment -

Account type Debt Buyer Terms 1 Month

Date opened Feb 24, 2022 Responsibility Individual

Status Collection account. Your statement -

Status updated Feb 2022

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 - - - - - - C C C - - -

C Collection - Data Unavailable

 Contact info
Address 121 W ELECTION RD STE 20 DRAPER,
UT 84020 DRAPER,
UT 84020

Phone number (800) 483-2361

 Comments
-

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

CURACAO $4,157

14 potentially negative months Closed

 Account info
Account name CURACAO Balance $4,157

Account number 549251XXXX Balance updated Sep 28, 2023

Original creditor - Credit limit $3,926

Company sold - Monthly payment -

Account type Charge Card Last Payment Date Feb 27, 2022

Date opened Aug 14, 2020 Highest balance $4,157

Open/closed Closed Terms -

Status Account charged off. $4,057 written off. Responsibility Individual

Status updated Dec 2022 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 CO CO CO CO CO CO CO CO CO - - -

2022      30 60 90 120 150 180 CO

2021            

2020 - - - - - - -     

 Current / Terms met CO Charge off 30 Past due 30 days

60 Past due 60 days 90 Past due 90 days 120 Past due 120 days

150 Past due 150 days 180 Past due 180 days - Data Unavailable

 Contact info
Address 1605 W OLYMPIC BLVD LOS ANGELES,
CA 90015

Phone number (213) 386-4412

 Comments
-

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

FIRST PREMIER BANK $867

25 potentially negative months Closed

 Account info
Account name FIRST PREMIER BANK Balance $867

Account number 517800XXXXXXXXXX Balance updated Sep 03, 2023

Original creditor - Credit limit $600

Company sold - Monthly payment -

Account type Credit card Past due amount $867

Date opened Jul 03, 2021 Highest balance $867

Open/closed Closed Terms -

Status Account charged off. $867 written off. $867 past Responsibility Individual
due as of Sep 2023.
Your statement -
Status updated Jan 2022

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 CO CO CO CO CO CO CO CO CO - - -

2022 CO CO CO CO CO CO CO CO CO CO CO CO

2021 - - - - - -   30 60 90 120

 Current / Terms met CO Charge off 30 Past due 30 days

60 Past due 60 days 90 Past due 90 days 120 Past due 120 days

- Data Unavailable

 Contact info
Address 601 S MINNESOTA AVE SIOUX FALLS,
SD 57104

Phone number (605) 357-3000

 Comments
-

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

HY CITE/ROYAL PRESTIGE $702

2 potentially negative months Closed

 Account info
Account name HY CITE/ROYAL PRESTIGE Balance $702

Account number 246947XX Balance updated Aug 31, 2021

Original creditor - Original balance $1,429

Company sold - Monthly payment -

Account type Sales Contract Last Payment Date May 24, 2021

Date opened Nov 18, 2019 Terms -

Open/closed Closed Responsibility Individual

Status Account charged off. $702 written off. Your statement -

Status updated Aug 2021

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2021       30 CO - - - -

2020            

2019 - - - - - - - - - - - 

 Current / Terms met CO Charge off 30 Past due 30 days

- Data Unavailable

 Contact info
Address 333 HOLTZMAN RD MADISON,
WI 53713

Phone number (608) 273-3373

 Comments
-

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

MICHAELS FURNITURE
Closed
Exceptional payment history

 Account info
Account name MICHAELS FURNITURE Balance -

Account number 502173XXXXXXX Balance updated -

Original creditor - Original balance $465

Company sold - Monthly payment -

Account type Sales Contract Last Payment Date Jul 01, 2020

Date opened Oct 28, 2019 Terms 7 Months

Open/closed Closed Responsibility Individual

Status Paid, Closed/Never late. Your statement -

Status updated Aug 2020

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2020        CLS - - - -

2019 - - - - - - - - - -  

 Current / Terms met CLS Closed - Data Unavailable

 Contact info
Address 5949 PACIFIC BLVD HUNTINGTON PARK,
CA 90255

Phone number (323) 587-6127

 Comments
-

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

MIDLAND CREDIT MANAGEM $926

11 potentially negative months Closed

 Account info
Account name MIDLAND CREDIT MANAGEM Balance $926

Account number 317125XXX Balance updated Oct 06, 2023

Original creditor CREDIT ONE BANK N.A. Original balance $926

Company sold - Monthly payment -

Account type Debt Buyer Past due amount $926

Date opened May 24, 2022 Terms 1 Month

Status Collection account. $926 past due as of Oct 2023. Responsibility Individual

Status updated May 2022 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 C C C C C C C C C C - -

2022 - - - - - - - - - - - C

C Collection - Data Unavailable

 Contact info
Address 320 E BIG BEAVER RD STE TROY,
MI 48083 TROY,
MI 48083

Phone number (877) 822-0381

 Comments
-

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

OPPLOANS/FINWISE $2,762

25 potentially negative months Closed

 Account info
Account name OPPLOANS/FINWISE Balance $2,762

Account number LAI017XXXXX Balance updated Aug 31, 2023

Original creditor - Original balance $2,000

Company sold - Monthly payment -

Account type Unsecured Last Payment Date Jun 10, 2021

Date opened Jun 02, 2021 Past due amount $2,762

Open/closed Closed Terms 9 Months

Status Account charged off. $2,762 written off. $2,762 Responsibility Individual
past due as of Aug 2023.
Your statement -
Status updated Sep 2021

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 CO CO CO CO CO CO CO CO - - - -

2022 CO CO CO CO CO CO CO CO ND CO CO CO

2021 - - - - -  30 60 CO CO CO CO

 Current / Terms met CO Charge off ND No data for this period

30 Past due 30 days 60 Past due 60 days - Data Unavailable

 Contact info
Address 130 E RANDOLPH ST STE 34 CHICAGO,
IL 60601

Phone number (312) 212-8079

 Comments
-

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

SST/AURA
Closed
27 potentially negative months

 Account info
Account name SST/AURA Balance -

Account number 397056XX Balance updated -

Original creditor - Original balance $4,075

Company sold - Monthly payment -

Account type Unsecured Last Payment Date Apr 05, 2021

Date opened Mar 08, 2020 Terms 71 Months

Open/closed Closed Responsibility Individual

Status Paid, Closed. $3,729 written off. Your statement -

Status updated Jul 2023

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 C C C C C C CLS - - - - -

2022 C C C C C C C C C C C C

2021 - - 30  30 60 CO C C C C C

 Current / Terms met C Collection CO Charge off

CLS Closed 30 Past due 30 days 60 Past due 60 days

- Data Unavailable

 Contact info
Address 4315 PICKET RD ST JOSEPH,
MO 64503

Phone number (800) 789-8001

 Comments
-

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10/11/23, 6:10 PM Experian

Prepared For LUIS CARIAS Date generated: Oct 11, 2023

TBOM/CONTFIN $0

5 potentially negative months Closed

 Account info
Account name TBOM/CONTFIN Balance $0

Account number 516648XXXXXXXXXX Balance updated Mar 11, 2022

Original creditor - Credit limit $750

Company sold CCS 800-483-2361 Monthly payment -

Account type Credit card Last Payment Date Aug 08, 2021

Date opened Apr 07, 2021 Highest balance $1,024

Open/closed Closed Terms -

Status Closed. $1,024 written off. Responsibility Individual

Status updated Mar 2022 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2022 120 CO CLS - - - - - - - - -

2021 - - - -      30 60 90

 Current / Terms met CO Charge off CLS Closed

30 Past due 30 days 60 Past due 60 days 90 Past due 90 days

120 Past due 120 days - Data Unavailable

 Contact info
Address 4550 NEW LINDEN HILL RD WILMINGTON,
DE 19808

Phone number (302) 456-1930

 Comments
Purchased by another lender

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

WEBBANK/FINGERHUT
Closed
Exceptional payment history

 Account info
Account name WEBBANK/FINGERHUT Balance -

Account number 636992XXXXXXXXXX Balance updated -

Original creditor - Credit limit $300

Company sold - Monthly payment -

Account type Charge Card Highest balance $0

Date opened Jul 27, 2020 Terms -

Open/closed Closed Responsibility Individual

Status Paid, Closed/Never late. Your statement -

Status updated Aug 2021

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2021       ND CLS - - - -

2020 - - - - - - -     

 Current / Terms met ND No data for this period CLS Closed

- Data Unavailable

 Contact info
Address 6250 RIDGEWOOD RD SAINT CLOUD,
MN 56303

Phone number (866) 734-0342

 Comments
Closed due to inactivity

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

Collection accounts

CREDIT CORP SOLUTIONS $1,024

Original creditor: CERULEAN Closed

 Account info
Account name CREDIT CORP SOLUTIONS Balance $1,024

Account number 516648XXXXXXXXXX Balance updated Sep 27, 2023

Original creditor CERULEAN Original balance $1,024

Company sold - Monthly payment -

Account type Debt Buyer Terms 1 Month

Date opened Feb 24, 2022 Responsibility Individual

Status Collection account. Your statement -

Status updated Feb 2022

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 - - - - - - C C C - - -

C Collection - Data Unavailable

 Contact info
Address 121 W ELECTION RD STE 20 DRAPER,
UT 84020 DRAPER,
UT 84020

Phone number (800) 483-2361

 Comments
-

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

MIDLAND CREDIT MANAGEM $926

Original creditor: CREDIT ONE BANK N.A. Closed

 Account info
Account name MIDLAND CREDIT MANAGEM Balance $926

Account number 317125XXX Balance updated Oct 06, 2023

Original creditor CREDIT ONE BANK N.A. Original balance $926

Company sold - Monthly payment -

Account type Debt Buyer Past due amount $926

Date opened May 24, 2022 Terms 1 Month

Status Collection account. $926 past due as of Oct 2023. Responsibility Individual

Status updated May 2022 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2023 C C C C C C C C C C - -

2022 - - - - - - - - - - - C

C Collection - Data Unavailable

 Contact info
Address 320 E BIG BEAVER RD STE TROY,
MI 48083 TROY,
MI 48083

Phone number (877) 822-0381

 Comments
-

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

Public records

No public records reported.

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

Inquiries

CAPITALONE DT CREDIT JPMCB CARD

Inquired on Jan 10, 2022 Inquired on Oct 17, 2021 Inquired on Oct 7, 2023

Business Type: Bank Credit Cards Business Type: Auto Financing Companies Business Type: Bank Credit Cards

PO BOX 30281 PO BOX 29018 PO BOX 15077

SALT LAKE CITY, UT 84130 PHOENIX, AZ 85038 WILMINGTON, DE 19850

(800) 227-4825 (800) 863-7483 (800) 453-9719

This inquiry is scheduled to continue on record until Feb 2024 This inquiry is scheduled to continue on record until Nov 2023 This inquiry is scheduled to continue on record until Nov 2025

JPMCB CARD JPMCB CARD JPMCB CARD

Inquired on Sep 14, 2023 Inquired on Apr 6, 2023 Inquired on Aug 13, 2022

Business Type: Bank Credit Cards Business Type: Bank Credit Cards Business Type: Bank Credit Cards

PO BOX 15077 PO BOX 15077 PO BOX 15077

WILMINGTON, DE 19850 WILMINGTON, DE 19850 WILMINGTON, DE 19850

(800) 453-9719 (800) 453-9719 (800) 453-9719

This inquiry is scheduled to continue on record until Oct 2025 This inquiry is scheduled to continue on record until May 2025 This inquiry is scheduled to continue on record until Sep 2024

MACYS/CBNA THD/CBNA THD/CBNA

Inquired on Sep 4, 2023 Inquired on Feb 26, 2023 Inquired on Jan 30, 2022

Business Type: Department And Variety Stores - non specific Business Type: Retail, Not Elsewhere Classified Business Type: Retail, Not Elsewhere Classified

PO BOX 8218 PO BOX 6497 PO BOX 6497

MASON, OH 45040 SIOUX FALLS, SD 57117 SIOUX FALLS, SD 57117

(800) 243-6552 (800) 950-5114 (800) 950-5114

This inquiry is scheduled to continue on record until Oct 2025 This inquiry is scheduled to continue on record until Mar 2025 This inquiry is scheduled to continue on record until Feb 2024

THD/CBNA

Inquired on Nov 25, 2021

Business Type: Retail, Not Elsewhere Classified

PO BOX 6497

SIOUX FALLS, SD 57117

(800) 950-5114

This inquiry is scheduled to continue on record until Dec 2023

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10/11/23, 6:10 PM Experian

Prepared For LUIS CARIAS Date generated: Oct 11, 2023

Credit scores

FICO® Score 8

Go od
Ve
ry
ir Go
Fa

od

492
Your score is well below the average score of U.S. consumers and demonstrates to lenders that you are a
risky borrower.
Ex
5 79
3 0 0 - or

cep
Po

ti
o na l

300 850

Experian data 10/11/2023

What's hurting
 Negative items

You have a serious delinquency or derogatory indicator, public record and/or collection on your credit report.

Number of your accounts that were ever 60 days late or worse or have a derogatory indicator: 6 accounts

Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report.

Number of collections on your credit report: 2 collections

Virtually no FICO High Achievers have a public record or collection listed on their credit report.

The presence of a serious delinquency or derogatory indicator and a derogatory public record (such as a bankruptcy) or collection is a powerful predictor of future payment risk. However, newer versions
of the score including FICO® Score 9, FICO® Score 10, and FICO® Score 10 T only consider unpaid collections. Most collections, public records and delinquencies stay on the report for no more than
seven years - though there are certain items that could remain longer. As these items age, they may have less impact on the FICO® Score. Satisfying the public record or paying off the collection will not
remove the item from a credit report. And it will still be considered by a FICO® Score as long as it is reported.

 Few accounts paid on time

You have an insufficient number of accounts that are currently paid as agreed.

Number of your accounts currently being paid as agreed: 0 accounts

FICO High Achievers have an average of 6 accounts currently being paid as agreed.

The FICO® Score considers the number of accounts showing on time payments. Generally, the higher the number reported the lower the risk. Compared to other people with a similar age of credit history,
the number of accounts you have that are currently paid as agreed is low.

 Bad payment history

You have one or more accounts showing missed payments or derogatory indicators.

Number of your accounts with a missed payment or derogatory indicator: 6 accounts

About 98% of FICO High Achievers have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average.

The presence of missed and late payments or derogatory indicators on a credit report, including the number of late payments, how late they were and how recently they occurred, are correlated with future
credit risk. Your FICO® Score was lowered due to the number of missed and late payments and/or accounts with derogatory indicators reported. As the number of accounts with delinquency or
derogatory indicators decreases, they have less impact on a FICO® Score.

 High credit usage

You've made heavy use of your available revolving credit.

Ratio of your revolving balances to your credit limits: 111%

For FICO High Achievers, the average ratio of the revolving account balances to credit limits is less than 7%.

The FICO® Score evaluates balances in relation to available credit on revolving accounts. The extent of a person's credit usage is one of the most important factors considered by a FICO® Score. People
who keep their ratio of balances to credit limits lower are generally considered less risky to lenders than those with higher ratios. Note, consolidating or moving debt from one account to another will
usually not change the total amount owed.

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Prepared For LUIS CARIAS Date generated: Oct 11, 2023

Disclaimer

About your FICO® Score 8 or other FICO® Scores

Your FICO® Score 8 powered by Experian data is formulated using the information in your credit file at the time it is requested. Many but not all lenders use FICO® Score 8. In addition to the FICO® Score 8, we may offer and
provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). The other FICO® Scores made available are calculated from versions of the base and industry-specific FICO®
Score models.

Base FICO® Scores (including the FICO® Score 8) range from 300 to 850. Industry-specific FICO® Scores range from 250-900. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as
being a lower credit risk to lenders. A lower FICO® Score indicates to lenders that you may be a higher credit risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk
levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose: to summarize your creditworthiness. Keep in mind that your score is just one factor used in the application
process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan.

What this means to you:

Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and
bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. Your lender or insurer may use a different FICO® Score than FICO® Score 8 or other base or industry-
specific FICO® Scores provided by us, or different scoring models to determine how you score.

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