Credit Report

Your credit is in
excellent shape Provided by
Report Date: January 3, 2022, 9:00 AM EST
817
Your Credit Rating
EXCELLENT
300 850
Vantage Score 3.0
Personal Info
Reported Names Thos C Hough Addresses Date Reported
1050 Longview Rd, King Of Prussia, PA, 19406 2022-01-03

DOB 1944-04-15
1050 Longview Rd Rd Apt 361, King Of Prussia, PA, 19406 2020-01-05

SSN
105 Town Center Rd, King Of Prussia, PA, 19406 2020-01-05

Employment Info Packaging Science In
Account Summary
Balances Payments Open Accounts Closed Accounts
$20,776 $421 3 8
Total Accounts 11 Collections 0
Open Accounts 3 Balances $20,776
Closed Accounts 8 Payments $421
Delinquent 0 Public Records 0
Derogatory 0 Inquiries (2 years) 0
Hide All Summary
Accounts
We gathered all of the accounts listed on your
Equifax report for you. Click
on any account to learn
more about your history and how to plan
for tomorrow.
6 2 1 2 0
Credit Cards Real Estate Auto Loans Student Loans Other

Credit Cards
AMERICAN EXPRESS $0.00

Reported: Jan 26, 2016 Closed
Overview Account Details

You’re currently using
0% of your account's
limit.
Account Number -3499922918841933
Account Status Closed

Balance: $0.00 Credit Limit: $10,000.00
Open Date Nov 26, 2015

Payment History
You’ve made 0% of
payments for this account on time. Last Activity Nov 26, 2015
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Type Credit Card
OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due

Responsibility Individual
90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due
BR Bankruptcy RF Repossession / CC Collection / Charge-off

Foreclosure
Remarks Account Closed At Consumer's Request
N/A No Data Available
Times 30/60/90 Days Late 0/0/0
Monthly Payment Amount $0.00

Month's Reviewed 1
Current Payment Status As Agreed

Term Source Type
Amount Past Due

High Balance $0.00
High Credit $0.00
Creditor Information
AMERICAN EXPRESS
P.O. BOX 981537
EL PASO, TX 79998
(800) 874-2717
BANK OF AMERICA $0.00

Reported: Feb 14, 2015 Closed

limit.
Account Number 4800120119166635

Open Date Sep 20, 1990

Payment History
You’ve made 0% of
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Type Credit Card


Foreclosure Remarks Account Closed By Credit Grantor

Month's Reviewed 0

Term Source Type
Amount Past Due

High Balance $11,721.00
High Credit $11,721.00
BANK OF AMERICA
4060 OGLETOWN/STANTON RD
NEWARK, DE 19713
(800) 421-2110
MACY'S/DSNB $0.00
Reported: Dec 25, 2019 Closed

limit.

Balance: $0.00 Credit Limit: $100.00

Payment History
You’ve made 28% of
payments for this account on time. Last Activity Dec 1, 2012
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Type Charge Account
2019 OK OK OK OK OK OK OK OK OK OK OK
Responsibility Joint Contractual Liability
2018 OK OK OK OK OK OK OK OK OK OK OK OK
Remarks
2017 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
2016 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Times 30/60/90 Days Late 0/0/0
Month's Reviewed 99
Term Source Type
2013 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due High Balance $1,019.00
BR Bankruptcy RF Repossession / CC Collection / Charge-off High Credit $1,019.00

Foreclosure
Monthly Payment Amount $0.00 MACY'S/DSNB
911 DUKE BLVD
Current Payment Status As Agreed MASON, OH 45040
(800) 243-6552
Amount Past Due
SYNCB/LORD & TAYLOR $0.00

Reported: May 29, 2015 Closed

limit.


Payment History
You’ve made 0% of
payments for this account on time. Last Activity Oct 1, 2007


Foreclosure Remarks

Month's Reviewed 99

Term Source Type
Amount Past Due

High Balance $259.00
High Credit $259.00
SYNCB/LORD & TAYLOR
4125 WINDWARD PLAZA
ALPHARETTA, GA 30005
MAIL ONLY
SYNCB/LOWES $0.00
Reported: Jul 28, 2017 Closed

limit.

Open Date Jun 23, 2013

Payment History
You’ve made 0% of
payments for this account on time. Last Activity Jul 1, 2013


Foreclosure Remarks Account Closed At Consumer's Request

Month's Reviewed 49

Term Source Type
Amount Past Due

High Balance $355.00
High Credit $355.00
SYNCB/LOWES
4125 WINDWARD PLAZA
MAIL ONLY
SYNCB/LOWES $0.00
Reported: Mar 20, 2016 Closed

limit.

Open Date Nov 13, 2004

Payment History
You’ve made 0% of
payments for this account on time. Last Activity Jun 1, 2006


Foreclosure Remarks

Month's Reviewed 99

Term Source Type
Amount Past Due

SYNCB/LOWES
4125 WINDWARD PLAZA
MAIL ONLY
Real Estate Loans
WELLS FARGO HOME EQU $0.00

Reported: Nov 30, 2021 In good standing

You have 0% left to pay on
this loan.
Account Status Open

Balance: $0.00 Highest Balance: $67,950.00
Open Date Mar 7, 2008

Payment History
payments for this account on time. Last Activity Sep 1, 2021
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Type Home Equity
2021 OK OK OK OK OK OK OK OK OK OK
Remarks Variable/adjustable Rate
2018 OK OK OK OK OK OK OK OK OK OK OK OK Times 30/60/90 Days Late 0/0/0
Month's Reviewed 99
Terms Count 0
2015 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due Term Source Type
BR Bankruptcy RF Repossession / CC Collection / Charge-off High Balance $67,950.00

Foreclosure


Current Payment Status As Agreed WELLS FARGO HOME EQU
PO BOX 31557
Amount Past Due BILLINGS, MT 59107
MAIL ONLY
WELLS FARGO HOME MOR $0.00
Reported: Sep 7, 2018 Closed

this loan.

Open Date Jan 20, 2011

Payment History
payments for this account on time. Last Activity Aug 1, 2018
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Type Conventional Real Estate Mortgage
2018 OK OK OK OK OK OK OK OK
Fannie Mae Account,
2016 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Remarks
Fixed Rate
2013 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Month's Reviewed 88
Terms Count 120
2011 N/A
Term Source Type Provided
Foreclosure
N/A No Data Available High Credit $278,400.00

WELLS FARGO HOME MOR
PO BOX 10335
DES MOINES, IA 503060335
Amount Past Due
(800) 288-3212
Auto Loans
COMTRUST FEDERAL CRE $0.00

Reported: Nov 30, 2021 Closed

this loan.

Open Date Oct 13, 2015

Payment History
You’ve made 7% of
payments for this account on time. Last Activity Jun 1, 2018
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Type Automobile
2021 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
Remarks Fixed Rate
2018 OK OK OK OK OK N/A N/A N/A N/A N/A N/A N/A Times 30/60/90 Days Late 0/0/0
Month's Reviewed 72
Terms Count 75
2015 N/A N/A N/A
OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due Term Source Type Provided

Foreclosure


Current Payment Status As Agreed COMTRUST FEDERAL CRE
1020 RIVERFRONT PARKWAY
Amount Past Due CHATTANOOGA, TN 374022196
(423) 756-3300
Student Loans
NAVIENT $13,974.00

this loan.
Account Number 90534311931000120000
Account Status Open

Balance: $13,974.00 Highest Balance: $50,904.00
Open Date Aug 22, 2000

Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Type Educational
Remarks Fixed Rate
Month's Reviewed 99
Terms Count 300

Foreclosure


Current Payment Status As Agreed NAVIENT
PO BOX 9655
Amount Past Due WILKES-BARRE, PA 187739655
(999) 999-9999
NAVIENT $6,802.00

this loan.
Account Number 90534311931000220030
Account Status Open

Balance: $6,802.00 Highest Balance: $25,125.00
Open Date Aug 8, 2003

Payment History
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Type Educational
Remarks Fixed Rate
Month's Reviewed 99
Terms Count 360

Foreclosure

Current Payment Status As Agreed NAVIENT
PO BOX 9655
Amount Past Due WILKES-BARRE, PA 187739655
(999) 999-9999
Hard Inquiries
Hard inquiries usually get added to your credit report when you apply
for a new credit account. These inquiries often result in a small dip
in your
credit score. Take a look at the latest inquiries on your
Equifax report to see if any
changes have occurred.
Clean Slate! As of
Jan 3, 2022
You have no hard inquiries accounts on your credit report.
Collections
It’s important that you try your best not to fall behind on payments
so your account doesn’t get passed on to a collections agency. This
usually
drops your credit score significantly.
Clean Slate! As of
Jan 3, 2022
You have no collection accounts on your credit report.
Public Records
Anything that can show up on a background check can show up on your
credit report and negatively impact your score. This includes things
like
bankruptcies and legal judgments.
Clean Slate! As of
Jan 3, 2022
You have no public records on your report.
Creditors
A creditor is a term used to describe an entity that is owed money.
The below is a list and contact information for the creditors handling
your debt.
Creditor Name Address Phone Number
AMERICAN EXPRESS P.O. BOX 981537, EL PASO, TX 79998 (800) 874-2717
BANK OF AMERICA 4060 OGLETOWN/STANTON RD, NEWARK, DE 19713 (800) 421-2110
COMTRUST FEDERAL CRE 1020 RIVERFRONT PARKWAY, CHATTANOOGA, TN 374022196 (423) 756-3300
MACY'S/DSNB 911 DUKE BLVD, MASON, OH 45040 (800) 243-6552
NAVIENT PO BOX 9655, WILKES-BARRE, PA 187739655 (999) 999-9999
SYNCB/LORD & TAYLOR 4125 WINDWARD PLAZA, ALPHARETTA, GA 30005 MAIL ONLY
SYNCB/LOWES 4125 WINDWARD PLAZA, ALPHARETTA, GA 30005 MAIL ONLY
WELLS FARGO HOME EQU PO BOX 31557, BILLINGS, MT 59107 MAIL ONLY
WELLS FARGO HOME MOR PO BOX 10335, DES MOINES, IA 503060335 (800) 288-3212

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Your credit is in

excellent shape Provided by

Report Date: January 3, 2022, 9:00 AM EST

1050 Longview Rd, King Of Prussia, PA, 19406 2022-01-03

1050 Longview Rd Rd Apt 361, King Of Prussia, PA, 19406 2020-01-05

105 Town Center Rd, King Of Prussia, PA, 19406 2020-01-05

Balances Payments Open Accounts Closed Accounts

Total Accounts 11 Collections 0

Open Accounts 3 Balances $20,776

Closed Accounts 8 Payments $421

Delinquent 0 Public Records 0

Derogatory 0 Inquiries (2 years) 0

Credit Cards Real Estate Auto Loans Student Loans Other

AMERICAN EXPRESS $0.00

Overview Account Details

Account Status Closed

Open Date Nov 26, 2015

OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due

BR Bankruptcy RF Repossession / CC Collection / Charge-off

Times 30/60/90 Days Late 0/0/0

Monthly Payment Amount $0.00

Current Payment Status As Agreed

Amount Past Due

High Credit $0.00

BANK OF AMERICA $0.00

Overview Account Details

Account Status Closed

Open Date Sep 20, 1990

OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due

BR Bankruptcy RF Repossession / CC Collection / Charge-off

Times 30/60/90 Days Late 0/0/0

Monthly Payment Amount $0.00

Current Payment Status As Agreed

Amount Past Due

High Credit $11,721.00

Overview Account Details

Account Status Closed

Open Date Sep 1, 1970

BR Bankruptcy RF Repossession / CC Collection / Charge-off High Credit $1,019.00

N/A No Data Available

SYNCB/LORD & TAYLOR $0.00

Overview Account Details

Account Status Closed

Open Date Sep 1, 1995

OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due

BR Bankruptcy RF Repossession / CC Collection / Charge-off

Times 30/60/90 Days Late 0/0/0

Monthly Payment Amount $0.00

Current Payment Status As Agreed

Amount Past Due

High Credit $259.00

Overview Account Details

Account Status Closed

Open Date Jun 23, 2013

OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due

BR Bankruptcy RF Repossession / CC Collection / Charge-off

Times 30/60/90 Days Late 0/0/0

Monthly Payment Amount $0.00

Current Payment Status As Agreed

Amount Past Due

High Credit $355.00

Overview Account Details

Account Status Closed

Open Date Nov 13, 2004