Prepared For

ELIAS ORNELAS
Personal & Con4dential

Date Generated Oct 2, 2023

Report Number 3960-1870-31

At a
Glance 26 Accounts 0 Public Records 6 Hard Inquiries

Personal Information

9 Names 13 Addresses 2 SSN Variations 5 Employers 1 Personal Statements 5 Other Records

Because your personal information is reported by you, your creditors, and other sources, it's
typical to see small variations in reported personal information, like names and addresses. For
security reasons, many of these items can't be disputed online, but don't worry—they don't affect
your credit score.
Names

ELIAS J ELIAS JAVIER ELIAS ELIAS J

ORNELAS ORNELAS ORNELAS ORNELAS
Name ID Name ID Name ID Name ID
#18490 #29910 #31296 #11035

ELIAS L ELIASJAVIER ELIAS ELIAS T

ORNELAS ORNELAS ESPINOZA ORNELAS
Name ID #2162 Name ID Name ID Name ID
#14998 #26802 #19026

ELIAS
ORNUELAS
Name ID
#29794

Addresses

1025 PIIHOLO 1025 PIIHOLO 1977 183 VENADO

RD APTB RD HEIMGARTNER WAY
MAKAWAO HI, MAKAWAO HI, LN APT72 SAN JOSE CA,
96768-7541 96768-7541 SAN JOSE CA, 95123-3623
95124-5153
Address ID Address ID Address ID
#0953459960 #0676979495 Address ID #0192972008
Single family Single family #0193003129 Single family
 Apartment
complex

194 ROXBURY 3438 1538 PERIN CT 2841

ST APT2 WOODSIDE LN SAN JOSE CA, NORCREST DR
SANTA CLARA SAN JOSE CA, 95131 SAN JOSE CA,
CA, 95050- 95121-1248 95148-2226
Address ID
5840
Address ID #0754094115 Address ID
Address ID #0192920918 Single family #0193220856
#0192567820 Single family Single family
Apartment
complex

2148 1977 438 WOODSIDE 20 BIRCH

NORCREST HEIMGARTNER LN LANCE
SAN JOSE CA, LN SAN JOSE CA, SAN JOSE CA,
95148 SAN JOSE CA, 95121 95127
95124-5133
Address ID Address ID Address ID
#0751110610 Address ID #0779778816 #0737005872
Single family #0896654229 Single family Single family
Multifamily

1832 W BROAD
WAY # 35
MANOR CA,
91701
Address ID
#0755259155
Apartment
complex
Social Security Only variations from the number you provided to us are
Numbers displayed.

XXX-XX-4981 XXX-XX-4981

Year of Birth

1976

Phone Numbers

(669) 251-9310 (669) 220-8983 (925) 332-9219

Cellular Cellular Cellular
 Spouse or Co-Applicant

CRISTINA

Employers

THE CONCO THE CONCO CONCO CONCO

COMPANIES CO CEMENT

CONKILL
CEMENT CO

Personal Statements

FILE FROZEN DUE TO FEDERAL LEGISLATION.

Accounts
Includes credit cards, real estate loans and installment loans. This information is reported to the
credit bureaus from your creditors.

AMERICREDIT/GM FINANCIAL

 Account Info
Account Name AMERICREDIT/GM Balance -
FINANCIAL
Balance Updated -
Account Number 45881XXXX
Recent Payment -
Account Type Auto Loan
Monthly Payment -
Responsibility Individual
Original Balance $45,447
Date Opened 11/06/2015
Highest Balance -
Status Paid, Closed/Never late.
Terms 72 Months
Status Updated Sep 2020
On Record Until Sep 2030

 Payment History

J F M A M J J A S O N D

2020         CLS — — —

2019            

2018            

2017            

2016            

2015 — — — — — — — — — — — 

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Sep 2030.

 Contact Info
Address PO BOX 181145,
ARLINGTON TX 76096

Phone Number (800) 284-2271

BANK OF HAWAII

 Account Info
Account Name BANK OF HAWAII Balance $17,043

Account Number 915056XXXXXXX Balance Updated 09/30/2023

Account Type Home Equity Recent Payment $5 as of 9/11/2023

Joint with CRISTINA M Monthly Payment $5

Responsibility
ORNELAS
Credit Limit $240,000
Date Opened 09/02/2022
Highest Balance $17,000
Status Open/Never late.
Terms -
Status Updated Sep 2023

 Payment History

J F M A M J J A S O N D

2023          — — —

2022 — — — — — — — —    

 Current / Terms met

 Balance Histories
 Date Balance Scheduled Payment Paid

Aug 2023 $17,005 $0 $0

Jul 2023 $0 $0 $0

Jun 2023 $0 $0 $0

May 2023 $0 $0 $0

Apr 2023 $0 $0 $0

Mar 2023 $0 $0 $0

Feb 2023 $0 $0 $0

Jan 2023 $0 $0 $0

Dec 2022 $0 $0 $0

Nov 2022 $0 $0 $0

Oct 2022 $0 $0 $0

Sep 2022 $0 $0 $0

Additional info
Between Sep 2022 and Aug 2023, your credit limit/high balance was $240,000

 Contact Info
Address 111 S KING ST,
HONOLULU HI 96813

Phone Number (808) 538-4171

BANK OF THE WEST

 Account Info
 Account Name BANK OF THE WEST Balance -

Account Number 26817XXXX Balance Updated -

Account Type Secured Loan Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 04/23/2017 Original Balance $27,945

Status Paid, Closed/Never late. Highest Balance -

Status Updated Jan 2019 Terms 180 Months

On Record Until Jan 2029

 Payment History

J F M A M J J A S O N D

2019 CLS — — — — — — — — — — —

2018            

2017 — — —         

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Jan 2029.

 Contact Info
Address PO BOX 2180,
OMAHA NE 68103

BARCLAYS BANK DELAWARE

 Account Info
 Account Name BARCLAYS BANK Balance $183
DELAWARE
Balance Updated 09/22/2023
Account Number 000483XXXXXXXXX
Recent Payment $925 as of 8/24/2023
Account Type Credit Card
Monthly Payment $80
Responsibility Individual
Credit Limit $17,300
Date Opened 09/09/2022
Highest Balance $7,771
Status Open/Never late.
Terms -
Status Updated Sep 2023

 Payment History

J F M A M J J A S O N D

2023          — — —

2022 — — — — — — — —    

 Current / Terms met

 Balance Histories
 Date Balance Scheduled Payment Paid

Aug 2023 $925 $132 $4,022 on 8/17/2023

Jul 2023 $3,965 $234 $2,200 on 6/24/2023

Jun 2023 $5,156 $191 $2,800 on 6/18/2023

May 2023 $6,919 $206 $2,000 on 4/24/2023

Apr 2023 $5,708 $106 $120 on 4/19/2023

Mar 2023 $3,192 $158 $1,500 on 3/6/2023

Feb 2023 $3,072 $164 $4,000 on 2/20/2023

Jan 2023 $5,692 $29 $29 on 1/18/2023

Dec 2022 $2,543 $29 $939 on 12/15/2022

Nov 2022 $565 $29 $116 on 11/4/2022

Oct 2022 $99 $0 $0

Sep 2022 $0 $0 $0

Sep 2022 $0 $0 $0

Additional info
Between Mar 2023 and Aug 2023, your credit limit/high balance was $17,300

Between Sep 2022 and Feb 2023, your credit limit/high balance was $13,000

 Contact Info
Address PO BOX 8803,
WILMINGTON DE 19899

Phone Number (888) 232-0780

BSI FINANCIAL SERVICES

 Account Info
Account Name BSI FINANCIAL SERVICES Balance -

Account Number 173034XXXX Balance Updated -

Account Type Mortgage Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 09/16/2020 Original Balance $702,500

Status Paid, Closed/Never late. Highest Balance -

Status Updated June 2022 Terms 30 Years

On Record Until Jun 2032

 Payment History

J F M A M J J A S O N D

2022      CLS — — — — — —

2021 — — — — — —      

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Jun 2032.

 Balance Histories
 Date Balance Scheduled Payment Paid

May 2022 $677,600 $2,821 $2,821 on 5/13/2022

Apr 2022 $678,937 $2,821 $2,821 on 4/14/2022

Mar 2022 $680,270 $2,821 $2,821 on 3/11/2022

Feb 2022 $681,601 $2,821 $2,821 on 2/15/2022

Jan 2022 $682,928 $2,821 $2,821 on 1/15/2022

Dec 2021 $684,253 $2,821 $2,821 on 12/15/2021

Nov 2021 $685,575 $2,821 $2,846 on 11/15/2021

Oct 2021 $686,919 $2,821 $5,643 on 10/15/2021

Additional info
The original amount of this account was $702,500

 Contact Info
Address 314 S FRANKLIN ST,
TITUSVILLE PA 16354

Phone Number (800) 327-7861

CAPITAL ONE

 Account Info
Account Name CAPITAL ONE Balance -

Account Number 400344XXXXXXXXXX Balance Updated -

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 09/20/2014 Credit Limit $5,500

Status Paid, Closed/Never late. Highest Balance $5,601

Status Updated Sep 2022 Terms -

On Record Until Sep 2032

 Payment History

J F M A M J J A S O N D

2022         CLS — — —

2021            

2020            

2019            

2018            

2017            

2016            

2015 — — — — — — — — —   

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Sep 2032.

 Balance Histories
 Date Balance Scheduled Payment Paid

Aug 2022 $0 $0 $0 on 11/16/2018

Jul 2022 $0 $0 $0 on 11/16/2018

Jun 2022 $0 $0 $0 on 11/16/2018

May 2022 $0 $0 $0 on 11/16/2018

Apr 2022 $0 $0 $0 on 11/16/2018

Mar 2022 $0 $0 $0 on 11/16/2018

Feb 2022 $0 $0 $0 on 11/16/2018

Jan 2022 $0 $0 $0 on 11/16/2018

Dec 2021 $0 $0 $0 on 11/16/2018

Nov 2021 $0 $0 $0 on 11/16/2018

Oct 2021 $0 $0 $0 on 11/16/2018

Additional info
Between Oct 2021 and Aug 2022, your credit limit/high balance was $5,500

 Contact Info
Address PO BOX 31293,
SALT LAKE CITY UT 84131

Phone Number (800) 955-7070

 Comment

Current:

Account closed at credit grantor's request.

Previous:

None
CAPITAL ONE

 Account Info
Account Name CAPITAL ONE Balance -

Account Number 517805XXXXXXXXXX Balance Updated -

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 09/04/2014 Credit Limit $4,300

Status Paid, Closed/Never late. Highest Balance $4,233

Status Updated Nov 2022 Terms -

On Record Until Nov 2032

 Payment History

J F M A M J J A S O N D

2022           CLS —

2021            

2020            

2019            

2018            

2017            

2016            

2015 — — — — — — — — — — — 

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Nov 2032.

 Balance Histories
 Date Balance Scheduled Payment Paid

Oct 2022 $0 $0 $0 on 12/14/2018

Sep 2022 $0 $0 $0 on 12/14/2018

Aug 2022 $0 $0 $0 on 12/14/2018

Jul 2022 $0 $0 $0 on 12/14/2018

Jun 2022 $0 $0 $0 on 12/14/2018

May 2022 $0 $0 $0 on 12/14/2018

Apr 2022 $0 $0 $0 on 12/14/2018

Mar 2022 $0 $0 $0 on 12/14/2018

Feb 2022 $0 $0 $0 on 12/14/2018

Jan 2022 $0 $0 $0 on 12/14/2018

Dec 2021 $0 $0 $0 on 12/14/2018

Nov 2021 $0 $0 $0 on 12/14/2018

Oct 2021 $0 $0 $0 on 12/14/2018

Additional info
Between Oct 2021 and Oct 2022, your credit limit/high balance was $4,300

 Contact Info
Address PO BOX 31293,
SALT LAKE CITY UT 84131

Phone Number (800) 955-7070

 Comment
 Current:

Account closed at credit grantor's request.

Previous:

None

CBNA

 Account Info
Account Name CBNA Balance $0

Account Number 426938XXXXXXXXXX Balance Updated 09/02/2023

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment $0

Date Opened 10/07/2015 Credit Limit $2,200

Status Open/Never late. Highest Balance $2,000

Status Updated Sep 2023 Terms -

 Payment History

J F M A M J J A S O N D

2023          — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — — —   

 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Aug 2023 $0 $0 $0 on 4/23/2021

Jul 2023 $0 $0 $0 on 4/23/2021

Jun 2023 $0 $0 $0 on 4/23/2021

May 2023 $0 $0 $0 on 4/23/2021

Apr 2023 $0 $0 $0 on 4/23/2021

Mar 2023 $0 $0 $0 on 4/23/2021

Feb 2023 $0 $0 $0 on 4/23/2021

Jan 2023 $0 $0 $0 on 4/23/2021

Dec 2022 $0 $0 $0 on 4/23/2021

Nov 2022 $0 $0 $0 on 4/23/2021

Oct 2022 $0 $0 $0 on 4/23/2021

Sep 2022 $0 $0 $0 on 4/23/2021

Aug 2022 $0 $0 $0 on 4/23/2021

Jul 2022 $0 $0 $0 on 4/23/2021

Jun 2022 $0 $0 $0 on 4/23/2021

May 2022 $0 $0 $0 on 4/23/2021

Apr 2022 $0 $0 $0 on 4/23/2021

Mar 2022 $0 $0 $0 on 4/23/2021

Feb 2022 $0 $0 $0 on 4/23/2021

Jan 2022 $0 $0 $0 on 4/23/2021

Dec 2021 $0 $0 $0 on 4/23/2021

Nov 2021 $0 $0 $0 on 4/23/2021

 Oct 2021 $0 $0 $0 on 4/23/2021

Additional info
Between Oct 2021 and Aug 2023, your credit limit/high balance was $2,200

 Contact Info
Address PO BOX 6497,
SIOUX FALLS SD 57117

Phone Number (888) 237-8289

CCS/FIRST NATIONAL BANK

 Account Info
Account Name CCS/FIRST NATIONAL Balance $0
BANK
Balance Updated 09/18/2023
Account Number 423980XXXXXXXXXX
Recent Payment -
Account Type Credit card
Monthly Payment $0
Responsibility Individual
Credit Limit $1,500
Date Opened 05/15/2015
Highest Balance $769
Status Open/Never late.
Terms -
Status Updated Sep 2023

 Payment History
 J F M A M J J A S O N D

2023          — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — — —   

 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Aug 2023 $0 $0 $0 on 10/24/2022

Jul 2023 $0 $0 $0 on 10/24/2022

Jun 2023 $0 $0 $0 on 10/24/2022

May 2023 $0 $0 $0 on 10/24/2022

Apr 2023 $0 $0 $0 on 10/24/2022

Mar 2023 $0 $0 $0 on 10/24/2022

Feb 2023 $0 $0 $0 on 10/24/2022

Jan 2023 $0 $0 $0 on 10/24/2022

Dec 2022 $0 $0 $0 on 10/24/2022

Nov 2022 $0 $0 $12 on 10/24/2022

Oct 2022 $12 $12 $0 on 1/14/2022

Sep 2022 $0 $0 $0 on 1/14/2022

Aug 2022 $0 $0 $0 on 1/14/2022

 Jul 2022 $0 $0 $0 on 1/14/2022

Jun 2022 $0 $0 $0 on 1/14/2022

May 2022 $0 $0 $0 on 1/14/2022

Apr 2022 $0 $0 $0 on 1/14/2022

Mar 2022 $0 $0 $0 on 1/14/2022

Feb 2022 $0 $0 $0 on 1/14/2022

Jan 2022 $25 $25 $744 on 1/14/2022

Dec 2021 $401 $30 $0 on 8/11/2016

Nov 2021 $0 $0 $0 on 8/11/2016

Oct 2021 $0 $0 $0 on 8/11/2016

Additional info
Between Oct 2021 and Aug 2023, your credit limit/high balance was $1,500

 Contact Info
Address 500 E 60TH ST N,
SIOUX FALLS SD 57104

Phone Number (888) 883-9824

CITI CARDS/CITIBANK

 Account Info
 Account Name CITI CARDS/CITIBANK Balance $0

Account Number 518941XXXXXXXXXX Balance Updated 09/13/2023

Account Type Credit Card Recent Payment -

Responsibility Individual Monthly Payment $0

Date Opened 05/12/2016 Credit Limit $24,000

Status Open/Never late. Highest Balance $14,724

Status Updated Sep 2023 Terms -

 Payment History

J F M A M J J A S O N D

2023          — — —

2022            

2021            

2020            

2019            

2018            

2017            

2016 — — — — — — — — —   

 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Aug 2023 $165 $165 $0 on 8/9/2023

Jul 2023 $8,708 $286 $0 on 7/9/2023

Jun 2023 $8,708 $302 $0 on 6/9/2023

May 2023 $8,609 $269 $0 on 5/9/2023

Apr 2023 $8,635 $279 $0 on 4/9/2023

Mar 2023 $8,193 $252 $0 on 3/9/2023

Feb 2023 $8,120 $277 $0 on 2/9/2023

 Jan 2023 $8,921 $283 $0 on 1/9/2023

Dec 2022 $8,823 $252 $0 on 12/9/2022

Nov 2022 $5,268 $147 $0 on 11/9/2022

Oct 2022 $5,642 $176 $0 on 10/9/2022

Sep 2022 $6,954 $203 $0 on 9/9/2022

Aug 2022 $4,882 $136 $0 on 8/9/2022

Jul 2022 $3,084 $86 $0 on 7/9/2022

Jun 2022 $1,883 $28 $0 on 6/9/2022

May 2022 $1,816 $27 $0 on 5/9/2022

Apr 2022 $21 $21 $0 on 4/8/2022

Mar 2022 $1,592 $41 $0 on 3/9/2022

Feb 2022 $1,058 $204 $0 on 2/5/2022

Jan 2022 $14,724 $413 $0 on 1/9/2022

Dec 2021 $12,242 $343 $0 on 12/9/2021

Nov 2021 $10,742 $296 $0 on 11/9/2021

Oct 2021 $10,614 $297 $0 on 10/9/2021

Additional info
Between Oct 2022 and Aug 2023, your credit limit/high balance was $24,000

Between Oct 2021 and Sep 2022, your credit limit/high balance was $20,000

 Contact Info
Address PO BOX 6241,
SIOUX FALLS SD 57117

Phone Number (800) 950-5114

CITI CARDS/CITIBANK

 Account Info
Account Name CITI CARDS/CITIBANK Balance $0

Account Number 542418XXXXXXXXXX Balance Updated 09/15/2023

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment $0

Date Opened 02/10/2017 Credit Limit $13,000

Status Open/Never late. Highest Balance $7,967

Status Updated Sep 2023 Terms -

 Payment History

J F M A M J J A S O N D

2023          — — —

2022            

2021            

2020            

2019            

2018            

2017 —           

 Current / Terms met

 Balance Histories

Date Balance Scheduled Payment Paid

Aug 2023 $1 $1 $0 on 8/3/2023

Jul 2023 $155 $41 $0 on 7/13/2023

Jun 2023 $136 $41 $0 on 6/13/2023

May 2023 $150 $41 $0 on 5/13/2023

 Apr 2023 $164 $41 $0 on 4/13/2023

Mar 2023 $178 $41 $0 on 3/13/2023

Feb 2023 $192 $41 $0 on 2/13/2023

Jan 2023 $181 $41 $0 on 1/13/2023

Dec 2022 $170 $41 $0 on 12/13/2022

Nov 2022 $161 $41 $0 on 11/13/2022

Oct 2022 $233 $41 $0 on 10/13/2022

Sep 2022 $147 $41 $0 on 9/13/2022

Aug 2022 $102 $41 $0 on 8/13/2022

Jul 2022 $35 $35 $0 on 7/13/2022

Jun 2022 $12 $12 $0 on 6/13/2022

May 2022 $12 $12 $0 on 4/25/2022

Apr 2022 $0 $0 $0 on 4/6/2022

Mar 2022 $22 $22 $0 on 3/13/2022

Feb 2022 $36 $36 $0 on 2/13/2022

Jan 2022 $3,472 $95 $0 on 1/13/2022

Dec 2021 $3,029 $80 $0 on 12/13/2021

Nov 2021 $2,831 $74 $0 on 11/13/2021

Oct 2021 $2,354 $61 $0 on 10/13/2021

Additional info
Between Oct 2021 and Aug 2023, your credit limit/high balance was $13,000

 Contact Info
 Address PO BOX 6241,
SIOUX FALLS SD 57117

Phone Number (800) 950-5114

CITIBANK

 Account Info
Account Name CITIBANK Balance -

Account Number 922559XXXX Balance Updated -

Account Type Unsecured Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 05/26/2016 Original Balance $5,000

Status Paid, Closed/Never late. Highest Balance -

Status Updated Feb 2017 Terms 36 Months

On Record Until Feb 2027

 Payment History

J F M A M J J A S O N D

2017  CLS — — — — — — — — — —

2016 — — — —        

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Feb 2027.

 Contact Info
Address PO BOX 6181,
SIOUX FALLS SD 57117

Phone Number (800) 685-0935

CITIBANK

 Account Info
Account Name CITIBANK Balance -

Account Number 922574XXXX Balance Updated -

Account Type Unsecured Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 02/03/2017 Original Balance $12,500

Status Paid, Closed/Never late. Highest Balance -

Status Updated Mar 2018 Terms 60 Months

On Record Until Mar 2028

 Payment History

J F M A M J J A S O N D

2018   CLS — — — — — — — — —

2017 —           

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Mar 2028.

 Contact Info
Address PO BOX 6181,
SIOUX FALLS SD 57117

Phone Number (800) 685-0935

CITIBANK

 Account Info
 Account Name CITIBANK Balance -

Account Number 922585XXXX Balance Updated -

Account Type Unsecured Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 08/21/2017 Original Balance $10,000

Status Paid, Closed/Never late. Highest Balance -

Status Updated Mar 2018 Terms 60 Months

On Record Until Mar 2028

 Payment History

J F M A M J J A S O N D

2018   CLS — — — — — — — — —

2017 — — — — — — —     

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Mar 2028.

 Contact Info
Address PO BOX 6181,
SIOUX FALLS SD 57117

Phone Number (800) 685-0935

CITIBANK

 Account Info
 Account Name CITIBANK Balance -

Account Number 922596XXXX Balance Updated -

Account Type Unsecured Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 03/02/2018 Original Balance $20,000

Status Paid, Closed/Never late. Highest Balance -

Status Updated Sep 2019 Terms 60 Months

On Record Until Sep 2029

 Payment History

J F M A M J J A S O N D

2019         CLS — — —

2018 — —          

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Sep 2029.

 Contact Info
Address PO BOX 6181,
SIOUX FALLS SD 57117

Phone Number (800) 685-0935

COMERICA BANK

 Account Info
 Account Name COMERICA BANK Balance -

Account Number 551005XXXXXXXXX Balance Updated -

Account Type Home Equity Recent Payment -

Joint with CRISTINA M Monthly Payment -

Responsibility
MEDEIROS
Credit Limit $240,000
Date Opened 01/28/2022
Highest Balance $237,399
Status Paid, Closed/Never late.
Terms -
Status Updated June 2022
On Record Until Jun 2032

 Payment History

J F M A M J J A S O N D

2022 —     CLS — — — — — —

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Jun 2032.

 Balance Histories

Date Balance Scheduled Payment Paid

May 2022 $237,743 $234 $234 on 5/29/2022

Apr 2022 $232,582 $100 $100 on 4/29/2022

Mar 2022 $40,490 $100 $100 on 3/29/2022

Feb 2022 $23,035 $0 $0

Additional info
Between Feb 2022 and May 2022, your credit limit/high balance was $240,000

 Contact Info
Address 3551 HAMLIN RD,
AUBURN HILLS MI 48326

Phone Number (734) 632-3387

COUNTY OF SANTA CLARA

 Account Info
Account Name COUNTY OF SANTA CLARA Balance -

Account Number 200000XXXXXXXXX Balance Updated -

Account Type Child Support Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 01/01/2017 Original Balance -

Status Paid, Closed/Never late. Highest Balance -

Status Updated Jul 2022 Terms 1 Months

On Record Until Jul 2032

 Payment History

J F M A M J J A S O N D

2022       CLS — — — — —

2021            

2020            

2019            

2018            

2017 — — — — — — —     

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Jul 2032.

 Balance Histories
 Date Balance Scheduled Payment Paid

Jun 2022 $1,018 $1,018 $0 on 6/13/2022

May 2022 $1,018 $1,018 $0 on 9/30/2021

Apr 2022 $1,052 $1,043 $0 on 9/30/2021

Mar 2022 $1,052 $1,043 $0 on 9/30/2021

Feb 2022 $1,096 $1,043 $0 on 9/30/2021

Jan 2022 $1,096 $1,043 $0 on 9/30/2021

Dec 2021 $1,174 $1,043 $0 on 9/30/2021

Nov 2021 $1,174 $1,043 $0 on 9/30/2021

Oct 2021 $1,018 $1,018 $0 on 9/30/2021

Additional info

 Contact Info
Address 888 RIDDER PARK DR,
SAN JOSE CA 95131

Phone Number (866) 901-3212

CREDIT FIRST NA/ FIRESTONE

 Account Info
Account Name CREDIT FIRST NA/ Balance $0
FIRESTONE
Balance Updated 08/10/2021
Account Number 53867XXXX
Recent Payment -
Account Type Charge Card
Monthly Payment $0
Responsibility Individual
Credit Limit $1,600
Date Opened 08/01/2015
Highest Balance $1,326
Status Open/Never late.
Terms -
Status Updated Aug 2021
 Payment History

J F M A M J J A S O N D

2021         — — — —

2020            

2019            

2018            

2017            

2016 ND ND ND ND ND ND ND ND ND   

2015 — — — — — — —    ND ND

 Current / Terms met

ND No data for this period

 Contact Info
Address PO BOX 81083,
CLEVELAND OH 44181

Phone Number (216) 362-3479

GUARANTEED RATE/SM

 Account Info
Account Name GUARANTEED RATE/SM Balance -

Account Number 414511XXXXXXX Balance Updated -

Account Type Mortgage Recent Payment -

Joint with CRISTINA Monthly Payment -

Responsibility
MEDEIROS ORNELAS
Original Balance $380,000
Date Opened 07/13/2022
Highest Balance -
Status Transferred,closed/Never
Terms 30 Years
late.
On Record Until Feb 2033
Status Updated Feb 2023
Mortgage Agency Name Fannie Mae ID
 Payment History

J F M A M J J A S O N D

2023  CLS — — — — — — — — — —

2022 — — — — — — —     

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Feb 2033.

 Balance Histories

Date Balance Scheduled Payment Paid

Jan 2023 $377,501 $1,869 $2,000 on 12/11/2022

Dec 2022 $378,162 $1,869 $0 on 11/4/2022

Nov 2022 $378,162 $1,869 $2,000 on 11/4/2022

Oct 2022 $378,820 $1,869 $2,000 on 10/5/2022

Sep 2022 $379,476 $1,869 $1,869 on 8/30/2022

Aug 2022 $380,000 $1,869 $0

Additional info
The original amount of this account was $380,000

 Contact Info
Address 9726 OLD BAILES RD STE
200,
FORT MILL SC 29707

 Comment
 Current:

Transferred to another lender

Previous:

None

JPMCB HOME

 Account Info
Account Name JPMCB HOME Balance -

Account Number 465137XXXXXXX Balance Updated -

Account Type Mortgage Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 09/26/2019 Original Balance $697,500

Status Paid, Closed/Never late. Highest Balance -

Status Updated Oct 2020 Terms 30 Years

On Record Until Oct 2030

Mortgage Agency Name Freddie Mac ID

 Payment History

J F M A M J J A S O N D

2020          CLS — —

2019 — — — — — — — — — — — 

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Oct 2030.

 Contact Info
 Address 700 KANSAS LN,
MONROE LA 71203

Phone Number (800) 848-9136

JPMCB HOME

 Account Info
Account Name JPMCB HOME Balance $373,582

Account Number 465402XXXXXXX Balance Updated 09/05/2023

Account Type Mortgage Recent Payment $2,000 as of 8/15/2023

Joint with CRISTINA Monthly Payment $1,869

Responsibility
MEDEIROS ORNELAS
Original Balance $380,000
Date Opened 07/13/2022
Highest Balance -
Status Open/Never late.
Terms 30 Years
Status Updated Sep 2023
Mortgage Agency Name Fannie Mae ID

Mortgage Identi`cation 100196367544465821

Number

 Payment History

J F M A M J J A S O N D

2023 — —        — — —

 Current / Terms met

 Balance Histories
 Date Balance Scheduled Payment Paid

Aug 2023 $374,264 $1,869 $2,000 on 7/17/2023

Jul 2023 $374,943 $1,869 $2,000 on 6/15/2023

Jun 2023 $375,620 $1,869 $2,000 on 5/15/2023

May 2023 $376,294 $1,869 $2,000 on 4/14/2023

Apr 2023 $376,966 $1,869 $2,000 on 3/15/2023

Mar 2023 $377,636 $1,869 $1,869 on 2/15/2023

Additional info
The original amount of this account was $380,000

 Contact Info
Address 700 KANSAS LN,
MONROE LA 71203

Phone Number (800) 848-9136

MACYS/CBNA

 Account Info
Account Name MACYS/CBNA Balance -

Account Number 603534XXXXXXXXXX Balance Updated -

Account Type Charge Card Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 02/12/2015 Credit Limit $700

Status Paid, Closed/Never late. Highest Balance $1,101

Status Updated Sep 2021 Terms -

On Record Until Sep 2031

 Payment History
 J F M A M J J A S O N D

2021         CLS — — —

2020            

2019            

2018            

2017            

2016            

2015 —         ND ND 

 Current / Terms met

CLS Closed
ND No data for this period

This account is scheduled to continue on record until Sep 2031.

 Contact Info
Address PO BOX 6789,
SIOUX FALLS SD 57117

Phone Number (800) 243-6552

 Comment

Current:

Account closed at credit grantor's request.

Previous:

None

MERIWEST CREDIT UNION

 Account Info
 Account Name MERIWEST CREDIT UNION Balance -

Account Number 984186XXXXX Balance Updated -

Account Type Auto Loan Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 01/17/2019 Original Balance $13,800

Status Paid, Closed/Never late. Highest Balance -

Status Updated May 2022 Terms 66 Months

On Record Until May 2032

 Payment History

J F M A M J J A S O N D

2022     CLS — — — — — — —

2021            

2020            

2019 —           

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until May 2032.

 Balance Histories
 Date Balance Scheduled Payment Paid

Apr 2022 $4,247 $238 $300 on 4/28/2022

Mar 2022 $4,530 $238 $300 on 3/31/2022

Feb 2022 $4,811 $238 $300 on 2/28/2022

Jan 2022 $5,092 $238 $600 on 1/31/2022

Dec 2021 $5,647 $238 $0 on 11/29/2021

Nov 2021 $5,647 $238 $300 on 11/29/2021

Oct 2021 $5,922 $238 $300 on 10/28/2021

Additional info
The original amount of this account was $13,800

 Contact Info
Address PO BOX 530953,
SAN JOSE CA 95153

Phone Number (877) 637-4937

THE HOME DEPOT/CITIBANK

 Account Info
Account Name THE HOME Balance -
DEPOT/CITIBANK
Balance Updated -
Account Number 603532XXXXXXXXXX
Recent Payment -
Account Type Charge Card
Monthly Payment -
Responsibility Individual
Credit Limit $500
Date Opened 05/11/2017
Highest Balance $0
Status Paid, Closed/Never late.
Terms -
Status Updated Dec 2019
On Record Until Dec 2029
 Payment History

J F M A M J J A S O N D

2019            CLS

2018            

2017 — — — —        

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Dec 2029.

 Contact Info
Address PO BOX 6497,
SIOUX FALLS SD 57117

Phone Number (800) 950-5114

 Comment

Current:

Account closed at consumer's request.

Previous:

None

WELLS FARGO AUTO

 Account Info
 Account Name WELLS FARGO AUTO Balance -

Account Number 518553XXXXXX Balance Updated -

Account Type Auto Loan Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 01/08/2016 Original Balance $28,022

Status Paid, Closed/Never late. Highest Balance -

Status Updated Feb 2019 Terms 72 Months

On Record Until Feb 2029

 Payment History

J F M A M J J A S O N D

2019  CLS — — — — — — — — — —

2018            

2017            

2016 —           

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Feb 2029.

 Contact Info
Address PO BOX 71092,
CHARLOTTE NC 28272

Phone Number (800) 289-8004

WESTLAKE FINANCIAL SVCS

 Account Info
 Account Name WESTLAKE FINANCIAL Balance -
SVCS
Balance Updated -
Account Number 750XXXX
Recent Payment -
Account Type Auto Loan
Monthly Payment -
Responsibility Individual
Original Balance $6,234
Date Opened 08/05/2014
Highest Balance -
Status Paid, Closed/Never late.
Terms 34 Months
Status Updated May 2016
On Record Until May 2026

 Payment History

J F M A M J J A S O N D

2016     CLS — — — — — — —

2015            

2014 — — — — — — —     

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until May 2026.

 Contact Info
Address 4751 WILSHIRE BLVD,
LOS ANGELES CA 90010

Phone Number (323) 692-8800

Public Records
Information gathered from courts or other government agencies about legal matters associated
with you. The most common Public Records are bankruptcies, tax liens, and monetary
judgments.

No public records reported.

Hard Inquiries
Hard Inquiries
Hard inquiries are requests for your consumer information based on an action or process
initiated by you generally related to a credit or other monetary obligation, such as when you apply
for credit, rental property, or utility service, or default on a loan causing it to be sent to a
collection agency. Hard inquiries are displayed to companies that receive your consumer report
and may stay on your report at least two years.

JPMCB FACTUAL FACTUAL RENTGROW

CARD DATA DATA Inquired on
Inquired on Inquired on Inquired on 05/17/2022
09/15/2022 06/24/2022 06/07/2022
177
PO BOX PO BOX Real Estate on HUNTINGTO
15077 530090 behalf of N AVESTE
GUARANTEED
WILMINGTO ATLANTA GA, 1703
RATE INC. This
N DE, 19850 30353 BOSTON MA,
inquiry is
scheduled to 02115
Credit card with Real Estate on
continue on
0 Months behalf of Rental on
record until Jul
repayment GUARANTEED behalf of ABL
2024.
terms. This RATE INC. This PROPERTIES
inquiry is inquiry is INC. This
scheduled to scheduled to inquiry is
continue on continue on scheduled to
record until Oct record until Jul continue on
2024. 2024. record until Jun
2024.

INFORMATIV INFORMATIV
E RESEARCH E RESEARCH
INC INC
Inquired on Inquired on
03/01/2022 02/28/2022

13030 Real Estate on

EUCLID ST behalf of AVIS
MORTGAGE
GARDEN
INCORPORAT.
GROVE CA,
 92843 This inquiry is
scheduled to
Real Estate on continue on
behalf of AVIS record until Mar
MORTGAGE 2024.
INCORPORAT.
This inquiry is
scheduled to
continue on
record until Apr
2024.

Soft Inquiries
Soft inquiries are generally initiated by others, like companies making promotional offers or
lenders periodically reviewing your existing credit accounts. Soft inquiries also include checking
your own credit report or using credit monitoring services, and have no impact on your credit.

BARCLAYS CAPITAL CHASE HL CREDIT.COM

BANK ONE Inquired on Inquired on
DELAWARE Inquired on 03/13/2023 01/26/2023
Inquired on 11/14/2022
07/12/2023 PO BOX 257 E 200 S
15000 24696, STE 200,
100 SOUTH CAPITAL COLUMBUS SALT LAKE
WEST AVE, ONE DR, OH 43224 CITY UT
WILMINGTO RICHMOND (800) 848- 84111
N DE 19801 VA 23238 9136
(866) 283-
6635

CREDIT.COM EXPERIAN FANNIE MAE ID ME INC

INC Inquired on Inquired on Inquired on
Inquired on 10/02/2023 12/28/2022 02/21/2023
01/26/2023
475 ANTON 3900 8281
257 E 200 S BLVD, WISCONSIN GREENSBOR
STE 1200, COSTA MESA AVE NW, O DR STE
SALT LAKE CA 92626 WASHINGTO 600,
CITY UT N DC 20016 TYSONS
84111 (800) 732- CORNER VA
6643 22102
(866) 775-
4363

PORTFOLIO PROGRESSIV
RECOV E
ASSOC INSURANCE
Inquired on Inquired on
09/30/2023, 02/25/2023
09/16/2023,
08/13/2023, 6300
07/27/2023, WILSON
06/24/2023, MILLS RD,
02/24/2023, CLEVELAND
02/15/2023, OH 44143
10/15/2022
and 10/03/20
22

120
CORPORATE
BLVD STE
100,
NORFOLK VA
23502
(844) 675-
3408
Important Messages

Medical Information
By law, we cannot disclose certain medical information (relating to physical, mental, or
behavioral health or condition). Although we do not generally collect such information, it
could appear in the name of a data furnisher (i.e., "Cancer Center") that reports your
payment history to us. If so, those names display on your report, but on reports to others
they display only as "MEDICAL PAYMENT DATA." Consumer statements included on your
report at your request that contain medical information are disclosed to others.

Public Records Information

If your report contains public records, the Public Records section includes items from
courts that Experian may have obtained through a third party vendor, LexisNexis Risk
Data Management Inc. You may contact them at LexisNexis Consumer Center, PO Box
105615, Atlanta, GA 30348-5108, or visit https://experianconsumers.lexisnexis.com .

Contact Experian

Online Phone Mail

Visit Experian.com/dispute to dispute any Monday - Friday Experian
inaccurate information, or click the 9am to 5pm PO Box 9701
dispute link next to the item. For FAQs and (855) 414-6047 Allen, TX 75013
online access to your Experian Credit
Report, Fraud Alerts, and Security Freezes,
visit Experian.com/help

Know Your Rights

Fair Credit Reporting Act (FCRA)

Para información en español, visite www.consumer4nance.gov/learnmore o escribe a la
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552.

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 `les 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 the FCRA. For more
information, including information about additional rights, go to
www.consumer4nance.gov/learnmore or write to: Consumer Financial Protection
Bureau, 1700 G Street N.W., Washington, D.C. 20552.

You must be told if information in your 4le 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 4le. You may request and obtain all the
information about you in the `les of a consumer reporting agency (your "`le disclosure").
You will be required to provide proper identi`cation, which may include your Social
Security number. In many cases, the disclosure will be free. You are entitled to a free `le
disclosure if:

a person has taken adverse action against you because of information in your credit
report;
you are the victim of identity theft and place a fraud alert in your `le;
your `le contains inaccurate information as a result of fraud;
you are on public assistance;
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.consumer`nance.gov/learnmore for additional
information.

You have the right to ask for a credit score. Credit scores are numerical summaries of
your creditworthiness 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 `le that is incomplete or inaccurate, and report it to the consumer
reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumer`nance.gov/learnmore for an explanation of dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or

unveri4able information. Inaccurate, incomplete or unveri`able information must be
removed or corrected, usually within 30 days. However, a consumer reporting agency
may continue to report information it has veri`ed 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 4le 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 speci`es 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.consumer`nance.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 from the lists these offers are based on. You may opt-out with
the nationwide credit bureaus at 1 888 5OPTOUT (1 888 567 8688).

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, visit www.consumer`nance.gov/learnmore.

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 `nancial 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 `le at no cost. An initial fraud alert is a 1-year alert that is
placed on a consumer's credit `le. Upon seeing a fraud alert display on a consumer's
credit `le, 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 aoliates, 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.

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 more information about your federal rights, contact:

FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:

1.a. Banks, savings associations, and credit unions with a. Bureau of

total assets of over $10 billion and their aoliates. Consumer Financial
Protection
b. Such aoliates that are not banks, savings associations, 1700 G Street NW
or credit unions also should list in addition to the Bureau: Washington, DC
20552

b. Federal Trade
Commission
Consumer Response
Center
600 Pennsylvania
Avenue NW
Washington, DC
20580
2. To the extent not included in item 1 above: a. Ooce of the
Comptroller of the
a. National banks, federal savings associations, and Currency
federal branches and federal agencies of foreign banks Customer Assistance
Group
b. State member banks, branches and agencies of foreign P.O. Box 53570
banks (other than federal branches, federal agencies, and Houston, TX 77052
insured state branches of foreign banks), commercial
lending companies owned or controlled by foreign banks, b. Federal Reserve
and organizations operating under section 25 or 25A of Consumer Help
the Federal Reserve Act Center
PO Box 1200
c. Nonmember Insured banks, Insured State Branches of Minneapolis, MN
Foreign Banks, and insured state savings associations 55480

d. Federal Credit Unions c. Division of

Depositor and
Consumer Protection
National Center for
Consumer and
Depositor Assistance
Federal Deposit
Insurance
Corporation
1100 Walnut Street,
Box #11
Kansas City, MO
64106

d. National Credit
Union Administration
Ooce of Consumer
Financial Protection
1775 Duke Street
Alexandria, VA 22314

3. Air carriers Assistant General

Counsel for Ooce of
 Aviation Consumer
Protection
Department of
Transportation
1200 New Jersey
Avenue SE
Washington, DC
20590

4. Creditors Subject to Surface Transportation Board Ooce of Public

Assistance,
Governmental
Affairs, and
Compliance
Surface
Transportation Board
395 E Street SW
Washington, DC
20423

5. Creditors Subject to Packers and Stockyards Act Nearest Packers and

Stockyards Division
Regional Ooce

6. Small Business Investment Companies Associate

Administrator, Ooce
of Capital Access
United States Small
Business
Administration
409 Third Street SW,
Suite 8200
Washington, DC
20416
 7. Brokers and Dealers Securities and
Exchange
Commission
100 F Street NE
Washington, DC
20549

8. Federal Land Banks, Federal Land Bank Associations, Farm Credit

Federal Intermediate Credit Banks, and Production Credit Administration
Associations 1501 Farm Credit
Drive
McLean, VA 22102-
5090

9. Retailers, Finance Companies, and All Other Creditors FTC Regional Ooce
Not Listed Above for region in which
the creditor operates
or Federal Trade
Commission:
Consumer Response
Center - FCRA
Washington, DC
20580
(877) 382-4357

Noti`cation of Rights
Noti`cation of Rights for California Consumers
Noti`cation of Rights for Colorado Consumers
Noti`cation of Rights for Connecticut Consumers
Noti`cation of Rights for Maryland Consumers
Noti`cation of Rights for Massachusetts Consumers
Noti`cation of Rights for Texas Consumers
Noti`cation of Rights for Vermont Consumers
Noti`cation of Rights for Washington Consumers