Experian
Experian
Experian
Prepared For
ABHIMANYU GANGULA
Personal & confidential
At a glance
FICO® Score 8
300 850
Good
Closed accounts 1
5% Collections debt $0
https://usa.experian.com/mfe/member/printable-report/experian/now 1/23
12/2/23, 10:22 AM Experian
Personal information
Personal statements
https://usa.experian.com/mfe/member/printable-report/experian/now 2/23
12/2/23, 10:22 AM Experian
Open accounts
AMEX $694
Account info
Account name AMEX Balance $694
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 - - - - - - -
Contact info
Address PO BOX 297871 FORT LAUDERDALE,
FL 33329
Comments
-
https://usa.experian.com/mfe/member/printable-report/experian/now 3/23
12/2/23, 10:22 AM Experian
CAPITAL ONE $0
Account info
Account name CAPITAL ONE Balance $0
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 - - - - - -
Contact info
Address PO BOX 31293 SALT LAKE CITY,
UT 84131
Comments
-
https://usa.experian.com/mfe/member/printable-report/experian/now 4/23
12/2/23, 10:22 AM Experian
Account info
Account name CAPITAL ONE Balance $27
Date opened Aug 21, 2016 Last Payment Date Nov 06, 2023
Your statement -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 -
2022
2021
2020
2019
2018
2017
2016 - - - - - - - - - - -
Contact info
Address PO BOX 31293 SALT LAKE CITY,
UT 84131
Comments
-
https://usa.experian.com/mfe/member/printable-report/experian/now 5/23
12/2/23, 10:22 AM Experian
Account info
Account name CREDIT ONE BANK NA Balance $0
Date opened Feb 10, 2022 Last Payment Date Mar 26, 2023
Your statement -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 -
2022 -
Contact info
Address PO BOX 98875 LAS VEGAS,
NV 89193
Comments
-
https://usa.experian.com/mfe/member/printable-report/experian/now 6/23
12/2/23, 10:22 AM Experian
Account info
Account name DISCOVER BANK Balance $377
Date opened Nov 10, 2021 Last Payment Date Nov 19, 2023
Your statement -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 -
2022
2021 - - - - - - - - - -
Contact info
Address PO BOX 30939 SALT LAKE CITY,
UT 84130
Comments
Account previously in dispute - investigation complete, reported by data furnisher
https://usa.experian.com/mfe/member/printable-report/experian/now 7/23
12/2/23, 10:22 AM Experian
DISCOVER BANK $0
Account info
Account name DISCOVER BANK Balance $0
Date opened May 21, 2022 Last Payment Date Nov 06, 2023
Your statement -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 -
2022 - - - - -
Contact info
Address PO BOX 30939 SALT LAKE CITY,
UT 84130
Comments
-
https://usa.experian.com/mfe/member/printable-report/experian/now 8/23
12/2/23, 10:22 AM Experian
Account info
Account name TOYOTA MOTOR CREDIT Balance $28,550
Date opened May 16, 2023 Last Payment Date Oct 01, 2023
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 - - - - - -
Contact info
Address PO BOX 9786 CEDAR RAPIDS,
IA 52409
Phone number -
Comments
-
https://usa.experian.com/mfe/member/printable-report/experian/now 9/23
12/2/23, 10:22 AM Experian
Closed accounts
Account info
Account name USF FED CREDIT UNION Balance -
Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022 - CO - - - - - - - - - -
Contact info
Address 13101 TELECOM DR STE 100 TEMPLE
TERRACE,
FL 33637
Comments
-
https://usa.experian.com/mfe/member/printable-report/experian/now 10/23
12/2/23, 10:22 AM Experian
Collection accounts
https://usa.experian.com/mfe/member/printable-report/experian/now 11/23
12/2/23, 10:22 AM Experian
Public records
https://usa.experian.com/mfe/member/printable-report/experian/now 12/23
12/2/23, 10:22 AM Experian
Inquiries
Inquired on Apr 6, 2023 Inquired on Nov 29, 2023 Inquired on Apr 11, 2023
Business Type: Automobile Dealers, Used Business Type: Credit Unions Business Type: Auto Financing Companies
This inquiry is scheduled to continue on record until May 2025 This inquiry is scheduled to continue on record until Dec 2025 This inquiry is scheduled to continue on record until May 2025
Inquired on Dec 2, 2023 Inquired on May 25, 2023 Inquired on Feb 7, 2022
Business Type: Credit Unions Business Type: Bank Credit Cards Business Type: Bank Credit Cards
This inquiry is scheduled to continue on record until Jan 2026 This inquiry is scheduled to continue on record until Jun 2025 This inquiry is scheduled to continue on record until Mar 2024
Inquired on May 24, 2023 Inquired on Apr 11, 2023 Inquired on Feb 7, 2022
Business Type: Bank Credit Cards Business Type: Auto Financing Companies Business Type: Bank Credit Cards
This inquiry is scheduled to continue on record until Jun 2025 This inquiry is scheduled to continue on record until May 2025 This inquiry is scheduled to continue on record until Mar 2024
Inquired on Nov 10, 2021 Inquired on Nov 10, 2021 Inquired on Apr 11, 2023
Business Type: Bank Credit Cards Business Type: Bank Credit Cards Business Type: Automobile Dealers, New
This inquiry is scheduled to continue on record until Dec 2023 This inquiry is scheduled to continue on record until Dec 2023 This inquiry is scheduled to continue on record until May 2025
Inquired on Feb 7, 2022 Inquired on May 15, 2023 Inquired on Apr 13, 2023
Business Type: Sales Financing Company Business Type: Auto Financing Companies Business Type: Auto Financing Companies
This inquiry is scheduled to continue on record until Mar 2024 This inquiry is scheduled to continue on record until Jun 2025 This inquiry is scheduled to continue on record until May 2025
https://usa.experian.com/mfe/member/printable-report/experian/now 13/23
12/2/23, 10:22 AM Experian
Business Type: Auto Financing Companies
PO BOX 9786
(800) 279-9032
https://usa.experian.com/mfe/member/printable-report/experian/now 14/23
12/2/23, 10:22 AM Experian
Credit scores
FICO® Score 8
Go od
6 70 - 739
Ve
ry
ir Go
Fa
od
686
Your score is near or slightly above the average of U.S. consumers and most lenders consider this a good
score.
Ex
cep
Poor
ti
o na l
300 850
What's helping
Low revolving credit usage
For FICO High Achievers, the average ratio of the revolving account balances to credit limits is less than 7%.
FICO® Scores evaluate the total revolving account balances in relation to the total credit limits on those accounts. People who keep their ratio of balances to credit limits low pose less risk to lenders than
those with higher ratios.
You've shown recent use of credit cards and/or bank-issued open-ended accounts.
FICO® Scores evaluate the mix of credit cards, installment loans and mortgages. People who demonstrate recent and responsible use of credit cards and/or bank-issued open-ended accounts are
generally considered less risky to lenders.
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.
While you have missed payments in the past, you have recently been paying your bills on time. Staying current and paying bills on time demonstrates lower risk.
What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.
Number of your accounts that were ever 60 days late or worse or have a derogatory indicator: 1 account
Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report.
The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these
items age, they will have less impact on the FICO® Score. Most late payments stay on your report for no more than seven years.
FICO High Achievers opened their oldest account 25 years ago, on average.
Most FICO High Achievers have an average age of accounts of 9 years or more.
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is
relatively low.
You have an insufficient number of accounts that are currently paid as agreed.
https://usa.experian.com/mfe/member/printable-report/experian/now 15/23
12/2/23, 10:22 AM Experian
Number of your accounts currently being paid as agreed: 4 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.
https://usa.experian.com/mfe/member/printable-report/experian/now 16/23
12/2/23, 10:22 AM Experian
Go od
6 70 - 739
Ve
ry
ir Go
Fa
od
690
This is a FICO® Score version customized for auto lending. Many banks, auto dealers and other lenders use
this version when pulling your credit report based on Experian data.
Ex
cep
Poor
ti
o na l
250 900
What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.
The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these
items age, they will have less impact on the FICO® Score. Most late payments stay on your report for no more than seven years.
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is
relatively low.
Loan balances
The remaining balance on your mortgage or non-mortgage installment loans is relatively high.
FICO® Scores weigh the amounts paid down and balances of mortgage and non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when an
installment loan is first obtained the balance is high. As the loan is paid down, the balance decreases. As installment loan balances decrease, they have less impact on a FICO® Score. Having a low
installment loan balance to loan amount ratio is considered slightly less risky than having a 0% installment loan ratio. Consolidating or moving debt from one account to another will usually not help a
FICO® Score since the same total amount is owed and the score may go down due to opening a new account.
You have an insufficient number of accounts that are currently 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.
https://usa.experian.com/mfe/member/printable-report/experian/now 17/23
12/2/23, 10:22 AM Experian
Go od
6 70 - 739
Ve
ry
ir Go
Fa
od
689
This is a previous FICO® Score version customized for auto lending. Many banks, auto dealers and other
lenders use this version when pulling your credit report based on Experian data.
Ex
cep
Poor
ti
o na l
250 900
What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.
The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these
items age, they will have less impact on the FICO® Score. Most late payments stay on your report for no more than seven years.
People who have longer credit histories and do not frequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest open (not yet paid off) installment loan and/or the
average age of your open installment loans is relatively low.
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is
relatively low.
Seeking credit
Each time you apply for credit a credit inquiry is added to your credit report. People who are actively seeking credit pose more of a risk to lenders than those who are not. Your FICO® Score was lowered
due to the number of credit inquiries posted within the last 12 months. While being considered by the score, typically, the presence of inquiries on a credit file carries much less importance than late
payments, the amount owed and the length of time credit has been established.
https://usa.experian.com/mfe/member/printable-report/experian/now 18/23
12/2/23, 10:22 AM Experian
Go od
6 70 - 739
Ve
ry
ir Go
Fa
od
682
This is a FICO® Score version that is customized for credit card lending. Many credit card issuers use this
version when pulling your credit report based on Experian data.
Ex
cep
Poor
ti
o na l
250 900
What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.
The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these
items age, they will have less impact on the FICO® Score. Most late payments stay on your report for no more than seven years.
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is
relatively low.
You have an insufficient number of accounts that are currently 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.
Loan balances
The remaining balance on your mortgage or non-mortgage installment loans is relatively high.
FICO® Scores weigh the amounts paid down and balances of mortgage and non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when an
installment loan is first obtained the balance is high. As the loan is paid down, the balance decreases. As installment loan balances decrease, they have less impact on a FICO® Score. Having a low
installment loan balance to loan amount ratio is considered slightly less risky than having a 0% installment loan ratio. Consolidating or moving debt from one account to another will usually not help a
FICO® Score since the same total amount is owed and the score may go down due to opening a new account.
https://usa.experian.com/mfe/member/printable-report/experian/now 19/23
12/2/23, 10:22 AM Experian
Go od
6 70 - 739
Ve
ry
ir Go
Fa
od
692
This is a previous FICO® Score version that is customized for credit card lending. Many credit card issuers
use this version when pulling your credit report based on Experian data.
Ex
cep
Poor
ti
o na l
250 900
What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.
The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these
items age, they will have less impact on the FICO® Score. Most late payments stay on your report for no more than seven years.
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is
relatively low.
Missed payments
Missed payments and derogatory indicators, including the number of, how late they were and how recently they occurred, are an important part of a credit report considered by a FICO® Score. People who
are current on their payments, have no derogatory indicators and who consistently make payments on time are generally considered less risky by most lenders. As missed payments and accounts with
derogatory indicators age, they have less impact on a FICO® Score.
The FICO® Score considers the number of recent credit account openings. Opening several credit accounts in a short time period is reflective of greater risk - especially for people with shorter credit
histories.
https://usa.experian.com/mfe/member/printable-report/experian/now 20/23
12/2/23, 10:22 AM Experian
FICO® Score 3
Go od
6 70 - 739
Ve
ry
ir Go
Fa
This is a previous FICO® Score version used primarily in credit card lending. It may also be used by some
od
673
lenders for other credit product application evaluations (such as credit cards, personal loans, retail credit,
Ex
student loans, etc.).
cep
Poor
ti
o na l
300 850
FICO® Score 3
What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.
The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these
items age, they will have less impact on the FICO® Score. Most late payments stay on your report for no more than seven years.
Seeking credit
Each time you apply for credit a credit inquiry is added to your credit report. People who are actively seeking credit pose more of a risk to lenders than those who are not. Your FICO® Score was lowered
due to the number of credit inquiries posted within the last 12 months. While being considered by the score, typically, the presence of inquiries on a credit file carries much less importance than late
payments, the amount owed and the length of time credit has been established.
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is
relatively low.
Missed payments
Missed payments and derogatory indicators, including the number of, how late they were and how recently they occurred, are an important part of a credit report considered by a FICO® Score. People who
are current on their payments, have no derogatory indicators and who consistently make payments on time are generally considered less risky by most lenders. As missed payments and accounts with
derogatory indicators age, they have less impact on a FICO® Score.
https://usa.experian.com/mfe/member/printable-report/experian/now 21/23
12/2/23, 10:22 AM Experian
FICO® Score 2
Go od
6 70 - 739
Ve
ry
ir Go
Fa
This is a previous FICO® Score version used primarily in mortgages lending. It may also be used by some
od
677
lenders for other credit product application evaluations (such as credit cards, personal loans, retail credit,
Ex
student loans, etc.).
cep
Poor
ti
o na l
300 850
FICO® Score 2
What's hurting
Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.
The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these
items age, they will have less impact on the FICO® Score. Most late payments stay on your report for no more than seven years.
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is
relatively low.
Seeking credit
Each time you apply for credit a credit inquiry is added to your credit report. People who are actively seeking credit pose more of a risk to lenders than those who are not. Your FICO® Score was lowered
due to the number of credit inquiries posted within the last 12 months. While being considered by the score, typically, the presence of inquiries on a credit file carries much less importance than late
payments, the amount owed and the length of time credit has been established.
Missed payments
Missed payments and derogatory indicators, including the number of, how late they were and how recently they occurred, are an important part of a credit report considered by a FICO® Score. People who
are current on their payments, have no derogatory indicators and who consistently make payments on time are generally considered less risky by most lenders. As missed payments and accounts with
derogatory indicators age, they have less impact on a FICO® Score.
https://usa.experian.com/mfe/member/printable-report/experian/now 22/23
12/2/23, 10:22 AM Experian
Disclaimer
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.
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.
https://usa.experian.com/mfe/member/printable-report/experian/now 23/23