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Jesus Manuel Arroyo PDF
Jesus Manuel Arroyo PDF
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Rental Report for Jesus Manuel Arroyo, 6/19/2019 at 2321
*CR96070071*
Jesus Manuel Arroyo, 6/19/2019
Rental Report for Jesus Manuel Arroyo, 6/19/2019 at 2321
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Rental Report for Jesus Manuel Arroyo, 6/19/2019 at 2321
563 camino real blvd 9040 ROYAL PALM BLVD
Clewiston, FL 33440 - US W306
CORAL SPRINGS, FL 33065
(Applicant)
Reported 6/2019
555 N 7TH ST. 3
NEWARK, NJ 07107
(Applicant)
Reported 6/2019
PO BOX 298403
HOLLYWOOD, FL 33029
(Applicant)
Reported 6/2019
563 CAMINO REAL BLVD
CLEWISTON, FL 33440
(Applicant)
Reported 6/2019
160 HUNTING CLUB AVE.
CLEWISTON, FL 33440
(Applicant)
Reported 6/2019
20718 NW 3RD CT.
PEMBROKE PINES, FL 33029
(Applicant)
Reported 6/2019
6441 JOHNSON ST. 1B
HOLLYWOOD, FL 33024
(Applicant)
Reported 11/2018
27 SCHOLER DR.
UNION BEACH, NJ 07735
(Applicant)
Reported 9/2018
PO BOX 775
KEYPORT, NJ 07735
(Applicant)
Reported 3/2018
50 MIZZEN DR.
BARNEGAT, NJ 08005
(Applicant)
Reported 10/2013
*CR96070071*
Jesus Manuel Arroyo, 6/19/2019
Rental Report for Jesus Manuel Arroyo, 6/19/2019 at 2321
Page 5 of 11
Rental Report for Jesus Manuel Arroyo, 6/19/2019 at 2321
Risk Models
From Equifax
Risk Model Name Score Score Factors
FICO (Beacon) 559 Serious delinquency, and derogatory public
(Applicant) record or collection filed
Proportion of balances to credit limits is too
high on bank revolving or other revolving
accounts
Number of accounts with delinquency
Length of time since derogatory public record
or collection is too short
Description
The FICO score is a widely used risk model that uses credit report data to predict the likelihood
of default. It is used most often by banks and credit grantors. The FICO score range is between
300 and 850 (the higher the score, the less risky the consumer). In the most recent study, the
median FICO score was 711.
Collections
From Equifax
Client Name Date Last Active Orig. Amount Balance
ROYAL PALM 9/2015 10/2014 $5,693.00 $5,693.00
TOWERS Comments
APARTMENTS
(Applicant)
Collection Agency -
Client Name Date Last Active Orig. Amount Balance
CITIBANK 12/2017 12/2014 $2,962.00 $2,962.00
(Applicant) Comments
Collection Agency -
Client Name Date Last Active Orig. Amount Balance
CITIBANK 12/2017 12/2014 $1,606.00 $1,606.00
(Applicant) Comments
Collection Agency -
Client Name Date Last Active Orig. Amount Balance
T MOBILE USA 10/2018 11/2014 $669.00 $669.00
(Applicant) Comments
Collection Agency -
Client Name Date Last Active Orig. Amount Balance
3/2018 9/2017 $429.00 $429.00
(Applicant) Comments
Collection Agency - MEDICAL
Client Name Date Last Active Orig. Amount Balance
9/2015 3/2015 $281.00 $281.00
(Applicant) Comments
Collection Agency - CONSUMER DISPUTES THIS ACCOUNT INFORMATION
MEDICAL
Client Name Date Last Active Orig. Amount Balance
ADVANCED CABLE 5/2015 4/2015 $205.00 $205.00
COMMUNICATIONS Comments
(Applicant)
Collection Agency -
Client Name Date Last Active Orig. Amount Balance
1/2018 10/2017 $90.00 $84.00
(Applicant) Comments
Collection Agency - MEDICAL
Client Name Date Last Active Orig. Amount Balance
9/2015 3/2015 $54.00 $54.00
(Applicant) Comments
Collection Agency - CONSUMER DISPUTES THIS ACCOUNT INFORMATION
MEDICAL
*CR96070071*
Jesus Manuel Arroyo, 6/19/2019
Rental Report for Jesus Manuel Arroyo, 6/19/2019 at 2321
Credit Accounts
From Equifax
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
JPMCB - CARD 2/2013 11/2014 1 1 4 $7,343.00 $7,343.00
SERVICE Monthly High Credit Type Comments
(Applicant) Payment
REVOLVING CHARGED OFF ACCOUNT
ACCOUNT CLOSED BY CREDIT GRANTOR
Rate/Status 9: Charge-off
Payment History
- - - - - - - - - - - 5 5 5 4 3 2 0 0 0 0 0 0 0
6/ 4/ 2/ 12/ 10/ 8/ 6/ 4/ 2/ 12/ 10/ 8/
16 16 16 15 15 15 15 15 15 14 14 14
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
MIDLAND FUNDING 7/2015 11/2014 $6,418.00 $6,418.00
LLC Monthly High Credit Type Comments
(Applicant) Payment
$6,418.00 OPEN COLLECTION ACCOUNT
ACCOUNT Rate/Status 6: Collection account
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
MIDLAND FUNDING 7/2015 11/2014 $6,353.00 $6,353.00
LLC Monthly High Credit Type Comments
(Applicant) Payment
$6,353.00 OPEN COLLECTION ACCOUNT
ACCOUNT Rate/Status 6: Collection account
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
MERRICK BANK 12/2010 11/2014 1 1 4 $3,892.00 $3,892.00
(Applicant) Monthly High Credit Type Comments
Payment
REVOLVING CHARGED OFF ACCOUNT
Rate/Status 9: Charge-off
Payment History
- - - - - - - - - - - - - - - - - - - - - - - -
6/ 4/ 2/ 12/ 10/ 8/ 6/ 4/ 2/ 12/ 10/ 8/
19 19 19 18 18 18 18 18 18 17 17 17
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
JPMCB - CARD 2/2013 11/2014 1 1 4 $3,538.00 $3,538.00
SERVICE Monthly High Credit Type Comments
(Applicant) Payment
REVOLVING CHARGED OFF ACCOUNT
ACCOUNT CLOSED BY CREDIT GRANTOR
Rate/Status 9: Charge-off
Payment History
- - - - - - - - - - - 5 5 5 4 3 2 0 0 0 0 0 0 0
6/ 4/ 2/ 12/ 10/ 8/ 6/ 4/ 2/ 12/ 10/ 8/
16 16 16 15 15 15 15 15 15 14 14 14
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Rental Report for Jesus Manuel Arroyo, 6/19/2019 at 2321
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
TD BANK 8/2012 12/2014 1 1 3 $2,471.00 $2,471.00
USA/TARGET C Monthly High Credit Type Comments
(Applicant) Payment
REVOLVING CHARGED OFF ACCOUNT
ACCOUNT CLOSED BY CREDIT GRANTOR
Rate/Status 9: Charge-off
Payment History
- - - - - - - - - - - - - - - - - - - - - - - -
5/ 3/ 1/ 11/ 9/ 7/ 5/ 3/ 1/ 11/ 9/ 7/
19 19 19 18 18 18 18 18 18 17 17 17
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
LVNV FUNDING LLC 7/2015 11/2014 $2,302.00 $2,302.00
(Applicant) Monthly High Credit Type Comments
Payment
$2,302.00 OPEN COLLECTION ACCOUNT
ACCOUNT Rate/Status 6: Collection account
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
DISCOVER BANK 3/2009 10/2014 1 1 4 $1,293.00 $1,293.00
(Applicant) Monthly High Credit Type Comments
Payment
REVOLVING CHARGED OFF ACCOUNT
Rate/Status 9: Charge-off
Payment History
- - - - - - - - - - - - - - - - - - - - - - - -
5/ 3/ 1/ 11/ 9/ 7/ 5/ 3/ 1/ 11/ 9/ 7/
19 19 19 18 18 18 18 18 18 17 17 17
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
AMERICAN 3/1991 10/2014 $1,269.00 $1,269.00
EXPRESS Monthly High Credit Type Comments
(Applicant) Payment
$1,948.00 REVOLVING CHARGED OFF ACCOUNT
ACCOUNT CLOSED BY CREDIT GRANTOR
Rate/Status 9: Charge-off
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
FIRST PREMIER 11/2012 11/2014 1 1 3 $1,127.00 $1,127.00
(Applicant) Monthly High Credit Type Comments
Payment
$1,127.00 REVOLVING CHARGED OFF ACCOUNT
CREDIT LINE SUSPENDED
Rate/Status 9: Charge-off
Payment History
5 5 4 3 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
6/ 4/ 2/ 12/ 10/ 8/ 6/ 4/ 2/ 12/ 10/ 8/
15 15 15 14 14 14 14 14 14 13 13 13
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
PORTFOLIO 7/2016 11/2014 $1,106.00 $1,106.00
RECOVERY A Monthly High Credit Type Comments
(Applicant) Payment
$1,106.00 OPEN COLLECTION ACCOUNT
ACCOUNT Rate/Status 6: Collection account
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
JEFFERSON 10/2016 10/2013 $950.00 $950.00
CAPITAL SY Monthly High Credit Type Comments
(Applicant) Payment
$950.00 OPEN COLLECTION ACCOUNT
ACCOUNT Rate/Status 6: Collection account
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
PORTFOLIO 4/2016 10/2014 $690.00 $690.00
RECOVERY A Monthly High Credit Type Comments
(Applicant) Payment
$690.00 OPEN COLLECTION ACCOUNT
ACCOUNT Rate/Status 6: Collection account
*CR96070071*
Jesus Manuel Arroyo, 6/19/2019
Rental Report for Jesus Manuel Arroyo, 6/19/2019 at 2321
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
FIRST PREMIER 5/2014 11/2014 1 1 2 $571.00 $571.00
(Applicant) Monthly High Credit Type Comments
Payment
REVOLVING CHARGED OFF ACCOUNT
Rate/Status 9: Charge-off
Payment History
- - - - - - - - - - - - - - - - - - - - - - - -
11/ 9/ 7/ 5/ 3/ 1/ 11/ 9/ 7/ 5/ 3/ 1/
18 18 18 18 18 18 17 17 17 17 17 17
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
FIRST SVGS 12/2014 12/2014 1 1 2 $467.00 $467.00
BK-BLAZE Monthly High Credit Type Comments
(Applicant) Payment
REVOLVING CHARGED OFF ACCOUNT
Rate/Status 9: Charge-off
Payment History
5 4 3 2 0 0
6/ 4/ 2/
15 15 15
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
PORTFOLIO 7/2016 11/2014 $433.00 $433.00
RECOVERY A Monthly High Credit Type Comments
(Applicant) Payment
$433.00 OPEN COLLECTION ACCOUNT
ACCOUNT Rate/Status 6: Collection account
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
MIDLAND FUNDING 7/2017 11/2014 $380.00 $380.00
LLC Monthly High Credit Type Comments
(Applicant) Payment
$380.00 OPEN COLLECTION ACCOUNT
ACCOUNT Rate/Status 6: Collection account
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
HYUNDAI MOTOR 8/2013 7/2017 $0.00
FINANC Monthly High Credit Type Comments
(Applicant) Payment
$26,137.00 INSTALLMENT
LEASE - FULL TERMINATION
Rate/Status 1: Pays account as agreed
Payment History
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
10/ 8/ 6/ 4/ 2/ 12/ 10/ 8/ 6/ 4/ 2/ 12/
17 17 17 17 17 16 16 16 16 16 16 15
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
AMERICAN 6/1991 9/2009 $0.00
EXPRESS Monthly High Credit Type Comments
(Applicant) Payment
$1,745.00 REVOLVING ACCOUNT CLOSED BY CREDIT GRANTOR
Rate/Status 1: Pays account as agreed
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
CAPITAL ONE 1/2008 9/2011 $0.00
(Applicant) Monthly High Credit Type Comments
Payment
$1,027.00 REVOLVING ACCOUNT CLOSED AT CONSUMER'S REQUEST
Rate/Status 1: Pays account as agreed
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
CAPITAL ONE BANK 11/2010 10/2013 $0.00
USA Monthly High Credit Type Comments
(Applicant) Payment
$604.00 REVOLVING ACCOUNT CLOSED BY CREDIT GRANTOR
Rate/Status 1: Pays account as agreed
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Rental Report for Jesus Manuel Arroyo, 6/19/2019 at 2321
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
KOHLS/CAPITAL 5/2010 9/2014 1 0 0 $0.00
ONE Monthly High Credit Type Comments
(Applicant) Payment
$582.00 REVOLVING ACCOUNT CLOSED DUE TO INACTIVITY
Rate/Status 1: Pays account as agreed
Payment History
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
3/ 1/ 11/ 9/ 7/ 5/ 3/ 1/ 11/ 9/ 7/ 5/
18 18 17 17 17 17 17 17 16 16 16 16
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
AMERICAN 2/1991 10/2012 $0.00
EXPRESS Monthly High Credit Type Comments
(Applicant) Payment
$388.00 REVOLVING ACCOUNT CLOSED AT CONSUMER'S REQUEST
Rate/Status 1: Pays account as agreed
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
COMENITYCAPITAL/HABA
9/2009 3/2011 $0.00
(Applicant) Monthly High Credit Type Comments
Payment
$330.00 REVOLVING ACCOUNT CLOSED AT CONSUMER'S REQUEST
Rate/Status 1: Pays account as agreed
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
TARGET NATIONAL 5/2010 8/2010 $0.00
BANK Monthly High Credit Type Comments
(Applicant) Payment
$179.00 REVOLVING
Rate/Status 1: Pays account as agreed
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
SYNCB/LOWES 3/2008 $0.00
(Applicant) Monthly High Credit Type Comments
Payment
$0.00 REVOLVING
Rate/Status 1: Pays account as agreed
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
SYNCB/EVINE 12/2007 $0.00
(Applicant) Monthly High Credit Type Comments
Payment
$0.00 REVOLVING
Rate/Status 1: Pays account as agreed
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
SYNCB/TJX CO 6/2013 11/2014 1 1 4 $0.00
(Applicant) Monthly High Credit Type Comments
Payment
REVOLVING CHARGED OFF ACCOUNT
Rate/Status 9: Charge-off
Payment History
0 - - - - - - - - - - 5 5 5 4 3 2 0 0 0 0 0 0 0
5/ 3/ 1/ 11/ 9/ 7/ 5/ 3/ 1/ 11/ 9/ 7/
16 16 16 15 15 15 15 15 15 14 14 14
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
CREDIT ONE BANK 7/2010 11/2014 1 1 4 $0.00
(Applicant) Monthly High Credit Type Comments
Payment
REVOLVING CHARGED OFF ACCOUNT
Rate/Status 9: Charge-off
Payment History
- 5 5 5 4 3 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
8/ 6/ 4/ 2/ 12/ 10/ 8/ 6/ 4/ 2/ 12/ 10/
15 15 15 15 14 14 14 14 14 14 13 13
*CR96070071*
Jesus Manuel Arroyo, 6/19/2019
Rental Report for Jesus Manuel Arroyo, 6/19/2019 at 2321
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
SYNCB/WALMART 8/2008 10/2014 1 1 4 $0.00
(Applicant) Monthly High Credit Type Comments
Payment
REVOLVING CHARGED OFF ACCOUNT
Rate/Status 9: Charge-off
Payment History
- - - - - - - - - - - 0 5 5 5 4 3 2 0 0 0 0 0 0
5/ 3/ 1/ 11/ 9/ 7/ 5/ 3/ 1/ 11/ 9/ 7/
16 16 16 15 15 15 15 15 15 14 14 14
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
SYNCB/JC 4/2008 1/2015 1 1 4 $0.00
PENNEYS Monthly High Credit Type Comments
(Applicant) Payment
REVOLVING CHARGED OFF ACCOUNT
Rate/Status 9: Charge-off
Payment History
- - - - - - - - - - - 5 5 5 4 3 2 0 0 0 0 0 0 0
7/ 5/ 3/ 1/ 11/ 9/ 7/ 5/ 3/ 1/ 11/ 9/
16 16 16 16 15 15 15 15 15 15 14 14
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
SYNCB/TJX CO 6/2013 6/2013
(Applicant) Monthly High Credit Type Comments
Payment
Page 11 of 11
Para informacion en espanol, visite www.consumerfinance.gov/learnmore o ‐ You may seek damages from violators. If a CRA, or, in some cases, a user of
escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., consumer reports or a furnisher of information to a CRA violates the FCRA, you
Washington, DC 20006. may be able to sue in state or federal court.
‐ Identity theft victims and active duty military personnel have additional rights.
A Summary of Your Rights Under the Fair Credit For more information, visit www.consumerfinance/learnmore.
Reporting Act 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
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness more information, contact your state or local consumer protection agency or
and privacy of information in the files of consumer reporting agencies (CRA’s). your state Attorney General. For information about your federal rights, contact::
There are many types of CRA’s, including credit bureaus and specialty agencies TYPE OF BUSINESS: CONTACT:
(such as agencies that sell information about check writing histories, medical 1.a. Banks, saving associations, and a. Bureau of Consumer Financial
records, and rental history records). Here is a summary of your major rights credit unions with total assets of over Protection
under the FCRA. For more information, including information about $10 billion and their affiliates. 1700 G Street NW
additional rights, go to www.consumerfinance.gov/learnmore or write to:
Washington, DC 20006
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC b. Such affiliates that are not banks,
Renter Relations
307 Orchard City Drive | Suite 110 | Campbell, CA 95008
Live Help: www.RenterRelations.com
A Summary of Your Additional Rights in Florida
You have a right to place a "security freeze" on your consumer report, which will prohibit a consumer
reporting agency from releasing any information in your consumer report without your express authorization.
A security freeze must be requested in writing by certified mail to a consumer reporting agency. The security
freeze is designed to prevent credit, loans, and services from being approved in your name without your
consent.
To place a security freeze on your credit report, you must contact each of these credit reporting agencies:
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
(800) 685‐1111
https://www.freeze.equifax.com
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
(888) 397‐3742
https://www.experian.com/freeze/center.html
TransUnion LLC
P.O. Box 2000
Chester, PA 19022‐2000
(888) 909‐8872
www.transunion.com/personal‐credit/credit‐disputes/credit‐freezes.page
YOU SHOULD BE AWARE THAT USING A SECURITY FREEZE TO CONTROL ACCESS TO THE PERSONAL AND
FINANCIAL INFORMATION IN YOUR CONSUMER REPORT MAY DELAY, INTERFERE WITH, OR PROHIBIT THE
TIMELY APPROVAL OF ANY SUBSEQUENT REQUEST OR APPLICATION YOU MAKE REGARDING A NEW LOAN,
CREDIT, MORTGAGE, INSURANCE, GOVERNMENT SERVICES OR PAYMENTS, RENTAL HOUSING, EMPLOYMENT,
INVESTMENT, LICENSE, CELLULAR PHONE, UTILITIES, DIGITAL SIGNATURE, INTERNET CREDIT CARD
TRANSACTION, OR OTHER SERVICES, INCLUDING AN EXTENSION OF CREDIT AT POINT OF SALE.
When you place a security freeze on your consumer report, you will be provided a personal identification
number or password to use if you choose to remove the freeze on your consumer report or authorize the
release of your consumer report for a designated period of time after the security freeze is in place. To provide
that authorization, you must contact the consumer reporting agency and provide all of the following:
1. The personal identification number or password.
2. Proper identification to verify your identity.
3. Information specifying the period of time for which the report shall be made available.
4. Payment of a fee authorized by this section.
A consumer reporting agency must authorize the release of your consumer report no later than three business
days after receiving the above information.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of
the person or entity, with which you have an existing account, that requests information in your consumer
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.
You have the right to bring a civil action against anyone, including a consumer reporting agency, who fails to
comply with the provisions of s. 501.005, Florida Statutes, which governs the placing of a consumer report
security freeze on your consumer report.