12/24/24, 2:20 PM Experian

Prepared For

MATHEW RONQUILLO
Personal & confidential
Date generated: Dec 24, 2024

At a glance

FICO® Score 8


510 Equifax data Dec 24, 2024

300 850
Poor

Account summary Overall credit usage Debt summary

Open accounts 2 Credit card and credit line debt $0
Accounts ever late 7 Loan debt $18,221

Closed accounts 0 0% Collections debt $6,548

Collections 4 Total debt $24,769
Average 4 yrs 9 mos
account age
Oldest account 8 yrs 6 mos
Credit used: $0

Credit limit: $0

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

Personal information

Name Addresses Employers

MATHEW RONQUILLO 1340 NW STATE ST APT 5 APPLE BEES
PULLMAN, WA 99163
Also known as BUFFALO WILD WINGS
- 1362 E ELGIN PL
CHANDLER, AZ 85225
Generational identifier
- 941 N WALNUT ST APT J
LA HABRA, CA 90631
Year of birth
1992 9520 MALLISON AVE
SOUTH GATE, CA 90280

1510 NW HALL DR
PULLMAN, WA 99163

620 NE KAMIAKEN ST APT

303C
PULLMAN, WA 99163

508 N JEFFERSON ST APT 5

MOSCOW, ID 83843

1897 WHITE AVE APT 3J

MOSCOW, ID 83843

325 S GRANT ST APT 1

MOSCOW, ID 83843

300 S IDAHO ST APT 1

LA HABRA, CA 90631

Personal statements
No Statement(s) present at this time

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

Open accounts

CHIMEFIN/STRIDE BANK $0

Exceptional payment history Balance updated Dec 04, 2024

 Account info
Account name CHIMEFIN/STRIDE BANK Balance $0
Account number 351932XXXXXXXXX Balance updated Dec 04, 2024
Original creditor - Credit limit -
Company sold - Credit usage -
Account type Open Account Monthly payment -
Date opened Oct 31, 2024 Past due amount -

Open/closed Open Highest balance $0

Status Pays account as agreed Terms -
Status updated Dec 2024 Responsibility Individual Account
Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 - - - - - - - - -   -
2023 - - - - - - - - - - - -
2022 - - - - - - - - - - - -
2021 - - - - - - - - - - - -
2020 - - - - - - - - - - - -

 On Time - Data Unavailable

 Contact info
Address PO BOX 3448 ENID,
OK 73702-3448
Phone number (580) 233-3535

 Comments
FIXED RATE

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

COUNTY OF LOS ANGELE $18,221

37 late payments Balance updated Nov 30, 2024

 Account info
Account name COUNTY OF LOS ANGELE Balance $18,221
Account number 200000XXXXXXXXX Balance updated Nov 30, 2024
Original creditor - Original balance -
Company sold - Monthly payment $40
Account type Open Account Last Payment Date Apr 01, 2022
Date opened Nov 01, 2016 Past due amount $18,221

Open/closed Open Terms -

Status At least 120 days or more than Responsibility Individual Account
four payments past due -
Your statement
Status updated Nov 2024

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 120 120 120 120 120 120 120 120 120 120 - -
2023 120 120 120 120 120 120 120 120 120 120 120 120
2022 120 120 120    30 60 90 120 120 120
2021       30 60 90 120 120 120
2020 - - - - - - - - - -  

 On Time 30 30 Days Late 60 60 Days Late

90 90 Days Late 120 120+ Days Late - Data Unavailable

 Contact info
Address 5770 S EASTERN AVE
BUREAU OF FAMILY
SUPPORT OPERA LOS
ANGELES,
CA 90040-2924
Phone number (213) 974-1234

 Comments

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

Closed accounts
CAPITAL ONE BANK USA $0

Exceptional payment history Closed

 Account info
Account name CAPITAL ONE BANK USA Balance $0
Account number 517805XXXXXX Balance updated Aug 13, 2022

Original creditor - Credit limit $1,000

Company sold - Monthly payment -
Account type Revolving Past due amount -
Date opened Jun 18, 2022 Highest balance $0
Open/closed Closed Terms -
Status Pays account as agreed Responsibility Individual Account
Status updated Aug 2022 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022 - - - - -   - - - - -
2021 - - - - - - - - - - - -
2020 - - - - - - - - - - - -
2019 - - - - - - - - - - - -
2018 - - - - - - - - - - - -

 On Time - Data Unavailable

 Contact info
Address PO BOX 31293 SALT LAKE
CITY,
UT 84131-1293
Phone number (800) 955-7070

 Comments
ACCOUNT CLOSED BY CREDIT GRANTOR

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

KIKOFF LENDING, LLC $44

4 late payments Closed

 Account info
Account name KIKOFF LENDING, LLC Balance $44
Account number CLWFHMXXXX Balance updated Oct 31, 2022
Original creditor - Credit limit $500
Company sold - Monthly payment -
Account type Revolving Last Payment Date Feb 01, 2022
Date opened Jan 11, 2022 Past due amount $13
Open/closed Closed Highest balance -
Status Charge-off Terms -

Status updated Oct 2022 Responsibility Individual Account

Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022     30  90 120 120 - - -
2021 - - - - - - - - - - - -
2020 - - - - - - - - - - - -
2019 - - - - - - - - - - - -
2018 - - - - - - - - - - - -

 On Time 30 30 Days Late 90 90 Days Late

120 120+ Days Late - Data Unavailable

 Contact info
Address PO BOX 40070 RENO,
NV 89504
Phone number (775) 993-6992

 Comments
CHARGED OFF ACCOUNT

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

KIKOFF LENDING, LLC $0

Exceptional payment history Closed

 Account info
Account name KIKOFF LENDING, LLC Balance $0
Account number O6H24PXX Balance updated Jul 31, 2022
Original creditor - Original balance $120
Company sold - Monthly payment -
Account type Installment Last Payment Date Jul 01, 2022
Date opened Mar 10, 2022 Past due amount -
Open/closed Closed Terms 12 Months
Status not more than four payments Responsibility Individual Account
past due -
Your statement
Status updated Jul 2022

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022 - -     - - - - - -
2021 - - - - - - - - - - - -
2020 - - - - - - - - - - - -
2019 - - - - - - - - - - - -
2018 - - - - - - - - - - - -

 On Time - Data Unavailable

 Contact info
Address PO BOX 40070 RENO,
NV 89504
Phone number (775) 993-6992

 Comments
PAID BY COLLATERAL

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

POTLATCH FINANCIAL C $0

Unknown payment history Closed

 Account info
Account name POTLATCH FINANCIAL C Balance $0
Account number 142773XXXX Balance updated Jan 31, 2018
Original creditor - Original balance $1,200
Company sold - Monthly payment -
Account type Installment Last Payment Date Dec 01, 2017
Date opened Jun 07, 2016 Past due amount -
Open/closed Closed Terms 24 Months
Status Pays account as agreed Responsibility Joint Account
Status updated Jan 2018 Your statement -

 Payment history
No payment history available to display.

 Contact info
Address PO BOX 497 PO BOX
497/ATTN: DEANA PRINE
LEWISTON,
ID 83501-0497
Phone number (218) 288-8837

 Comments
-

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

POTLATCH FINANCIAL C $0

Unknown payment history Closed

 Account info
Account name POTLATCH FINANCIAL C Balance $0
Account number 142773XXXX Balance updated Jan 31, 2018
Original creditor - Original balance $19,035
Company sold - Monthly payment -
Account type Installment Last Payment Date Dec 01, 2017
Date opened Jun 20, 2016 Past due amount -
Open/closed Closed Terms 84 Months
Status Pays account as agreed Responsibility Joint Account
Status updated Jan 2018 Your statement -

 Payment history
No payment history available to display.

 Contact info
Address PO BOX 497 PO BOX
497/ATTN: DEANA PRINE
LEWISTON,
ID 83501-0497
Phone number (218) 288-8837

 Comments
-

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

Collection accounts
CB OF LEWISTON CLARK $490

Original creditor: COUGARS CLOSET MINI STORAGE Balance updated -

 Account info
Account name CB OF LEWISTON CLARK Balance $490
Account number 303206XXXXXXXXXX Balance updated -
Original creditor COUGARS CLOSET MINI STORAGE Paid off 0%
Company sold - Monthly payment -
Account type Collection Account Past due amount -
Date opened Apr 17, 2020 Terms -
Status Unpaid Responsibility Individual Account
Status updated Dec 2024 Your statement -

 Payment history
No payment history available to display.

 Contact info
Address PO BOX 777 LEWISTON,
ID 83501
Phone number (800) 289-0908

 Comments
-

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

JEFFERSON CAPITAL LL $1,196

Original creditor: VERIZON WIRELESS Balance updated Nov 23, 2024

 Account info
Account name JEFFERSON CAPITAL LL Balance $1,196

Account number 363138XXXX Balance updated Nov 23, 2024

Original creditor VERIZON WIRELESS Paid off 0%
Company sold - Monthly payment -
Account type Open Account Past due amount $1,196
Date opened Dec 20, 2021 Terms -
Status - Responsibility Individual Account
Status updated Nov 2024 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 C C C C C C C C C C - -
2023 C C C C C C C C C C C C
2022            C
2021 - - - - - - - - - - - 
2020 - - - - - - - - - - - -

 On Time C Collection - Data Unavailable

 Contact info
Address 16 MCLELAND RD SAINT
CLOUD,
MN 56303-2198
Phone number (866) 219-0725

 Comments
COLLECTION ACCOUNT

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

JEFFERSON CAPITAL LL $4,050

Original creditor: SPRINT Balance updated Nov 23, 2024

 Account info
Account name JEFFERSON CAPITAL LL Balance $4,050

Account number 376792XXXX Balance updated Nov 23, 2024

Original creditor SPRINT Paid off 0%

Company sold - Monthly payment -

Account type Open Account Past due amount $4,050

Date opened Dec 07, 2023 Terms -

Status - Responsibility Individual Account

Status updated Nov 2024 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024  C C C C C C C C C - -
2023 - - - - - - - - - - - 
2022 - - - - - - - - - - - -
2021 - - - - - - - - - - - -
2020 - - - - - - - - - - - -

 On Time C Collection - Data Unavailable

 Contact info
Address 16 MCLELAND RD SAINT
CLOUD,
MN 56303-2198
Phone number (866) 219-0725

 Comments
COLLECTION ACCOUNT

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

RESURGENT RECEIVABLE $812

Original creditor: CREDIT ONE BANK N A Balance updated Dec 03, 2024

 Account info
Account name RESURGENT RECEIVABLE Balance $812

Account number 444796XXXXXXXXXX Balance updated Dec 03, 2024

Original creditor CREDIT ONE BANK N A Paid off 0%

Company sold - Monthly payment -

Account type Open Account Past due amount $812

Date opened Sep 16, 2022 Terms -

Status - Responsibility Individual Account

Status updated Dec 2024 Your statement -

 Payment history

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 C C C C C C C C C C C -
2023   C C C C C C C C C C
2022 - - - - - - - -    
2021 - - - - - - - - - - - -
2020 - - - - - - - - - - - -

 On Time C Collection - Data Unavailable

 Contact info
Address CARE OF RESURGENT
CAPITAL SERV GREENVILLE,
SC 29602-0000
Phone number (866) 453-0011

 Comments
COLLECTION ACCOUNT

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

Public records
No public records reported.

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

Inquiries

CAPITAL ONE BANK USA CAPITAL ONE BANK USA DISCOVER BANK
Inquired on Dec 22, 2023 Inquired on Apr 9, 2023 Inquired on Mar 18, 2023

Business Type: All Banks Business Type: All Banks Business Type: National Credit Card Cos.

15000 CAPITAL ONE DR PO# US364401 15000 CAPITAL ONE DR PO# US364401 2500 LAKE COOK RD POST SCREEN
(RISK)
RICHMOND, VA 23238-1119 RICHMOND, VA 23238-1119
RIVERWOODS, IL 60015-1838
By mail only By mail only
By mail only
This inquiry is scheduled to continue on This inquiry is scheduled to continue on
record until Jan 2026 record until May 2025 This inquiry is scheduled to continue on
record until Apr 2025

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

Credit scores

FICO® Score 8

Go od
Ve
ry
ir Go
Fa od

510
Ex Your score is well below the average score of U.S. consumers and
5 79

demonstrates to lenders that you are a risky borrower.

3 0 0 - or

cep
Po

ti
o na l

300 850

Equifax data 12/24/2024

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: 2 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: 4 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.

 Lack of recent balances on accounts

There are no recent balances on your non-mortgage accounts.

People who demonstrate responsible use of different types of credit are generally less risky to lenders. Your credit report shows no recent balances on
non-mortgage accounts.

 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: 2 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

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accounts with derogatory indicators reported. As the number of accounts with delinquency or derogatory indicators decreases, they have less impact on
a FICO® Score.

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Prepared For MATHEW RONQUILLO Date generated: Dec 24, 2024

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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