Ted Reynoso Experian

12/29/22, 8:04 AM Experian
Prepared For
TED REYNOSO
Personal & confidential
Date generated: Dec 29, 2022
At a glance
FICO® Score 8
712 Experian data Dec 29, 2022

300 850
Good
Account summary Overall credit usage Debt summary
Open accounts 16 Credit card and credit line debt $27,397
Self-reported accounts 0 Self-reported account balance $0
Accounts ever late 0 Loan debt $0
Closed accounts 5
46 % Collections debt $0
Collections 0 Total debt $27,397
Average account age 14 yrs 9 mos
Oldest account 33 yrs 3 mos
Credit used: $27,397
Credit limit: $59,975
https://usa.experian.com/member/printable-report/experian/now 1/29
12/29/22, 8:04 AM Experian
Prepared For TED REYNOSO Date generated: Dec 29, 2022
Personal information
Name Addresses Employers

TED REYNOSO 309 S REDINGTON ST NA
HANFORD, CA 93230-5052
Also known as FRESNO UNIFIED SCHOOLS
THEODORE REYNOSO 3871 E AUSTIN WAY
FRESNO, CA 93726-3634
Generational identifier
- 415 N AKERS ST SPC 145
VISALIA, CA 93291-8207
Year of birth
1959
Personal statements
No Statement(s) present at this time
12/29/22, 8:04 AM Experian
Open accounts
AMEX $5,006
Exceptional payment history Balance updated Dec 16, 2022
 Account info
Account name AMEX Balance $5,006
Account number 3499907277806703 Balance updated Dec 16, 2022
Original creditor - Credit limit $9,500
Company sold - Credit usage 52%
Account type Credit Card Monthly payment $143
Date opened Jun 25, 2003 Past due amount -
Open/closed Open Highest balance $9,453
Status Current Terms Revolving
Status updated Dec 2022 Responsibility Individual
Your statement -
 Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022            
2021            
2020            
2019            
2018            
2017            
           
2016
 On Time
 Contact info
Address PO BOX 297871 FORT LAUDERDALE,

FL 33329
Phone number (800) 874-2717
 Comments
12/29/22, 8:04 AM Experian
CAPITAL ONE $3,134
 Account info
Account name CAPITAL ONE Balance $3,134
Account number 539277XXXXXX Balance updated Dec 23, 2022
Date opened Jul 01, 2017 Past due amount -
Your statement -
 Payment history
2022            
2021            
2020            
2019            
2018            
2017 — — — — — — —     
 On Time — Data Unavailable
 Contact info
Address PO BOX 31293 SALT LAKE CITY,
UT 84131
 Comments
12/29/22, 8:04 AM Experian
CAPITAL ONE $188
 Account info
Account name CAPITAL ONE Balance $188
Date opened Dec 26, 2002 Past due amount -
Your statement -
 Payment history
2022
           
2021            
2020            
2019            
2018            
2017            
2016            
 On Time
 Contact info
UT 84131
 Comments
12/29/22, 8:04 AM Experian
CBNA $5,096
 Account info
Account name CBNA Balance $5,096
Account number 549460XXXXXXXXXX Balance updated Dec 19, 2022
Your statement -
 Payment history
2022            
2021 — — — — — — — — — — — 
 Contact info
Address PO BOX 6497 SIOUX FALLS,
SD 57117
 Comments
12/29/22, 8:04 AM Experian
COMENITYBANK/EDDIEBAUR $0
 Account info
Account name COMENITYBANK/EDDIEBAUR Balance $0
Account type Charge Card Monthly payment $0
Open/closed Open Highest balance $626
Your statement -
 Payment history
2022
           
2021            
2020            
2019            
2018            
2017            
2016 — — — — — —      
 Contact info
Address PO BOX 182789 COLUMBUS,
OH 43218
Phone number -
 Comments
12/29/22, 8:04 AM Experian
COMENITYCAPITAL/BBB $28
 Account info
Account name COMENITYCAPITAL/BBB Balance $28
Date opened Nov 09, 2022 Past due amount -
Your statement -
 Payment history
2022 — — — — — — — — — — — 
 Contact info

OH 43218
Phone number -
 Comments
12/29/22, 8:04 AM Experian
COMENITYCB/GRANDINROAD $0
 Account info
Account name COMENITYCB/GRANDINROAD Balance $0
Your statement -
 Payment history
2022            
2021            
2020 — — — — — — —     
 Contact info

OH 43218
Phone number -
 Comments
12/29/22, 8:04 AM Experian
CREDIT FIRST N A $0
 Account info
Account name CREDIT FIRST N A Balance $0
Account number 507413XXX Balance updated Dec 20, 2022
Date opened Oct 13, 2015 Past due amount -
Your statement -
 Payment history
2022
           
2021            
2020            
2019            
2018            
2017            
2016   —  — —      
 Contact info
Address 6275 EASTLAND RD BROOKPARK,

OH 44142
 Comments
12/29/22, 8:04 AM Experian
DISCOVER BANK $7,494
 Account info
Account name DISCOVER BANK Balance $7,494
Date opened Sep 15, 1989 Past due amount -
Your statement -
 Payment history
2022
           
2021            
2020            
2019            
2018            
2017            
2016 — — — — —       
 Contact info
UT 84130
 Comments
12/29/22, 8:04 AM Experian
GOLDMAN SACHS AND CO $154
 Account info
Account name GOLDMAN SACHS AND CO Balance $154
Date opened Sep 29, 1992 Past due amount -
Your statement -
 Payment history
2022
 —          
2021            
2020            
2019            
2018            
2017            
2016            
 Contact info
Address PO BOX 70321 PHILADELPHIA,

PA 19176
 Comments
12/29/22, 8:04 AM Experian
JPMCB CARD $4,707
 Account info
Account name JPMCB CARD Balance $4,707
Your statement -
 Payment history
2022
           
2021            
2020            
2019            
2018            
2017            
2016 — — — — — —      
 Contact info
Address PO BOX 15369 WILMINGTON,

DE 19850
 Comments
12/29/22, 8:04 AM Experian
KOHLS/CAPONE $0
 Account info
Account name KOHLS/CAPONE Balance $0
Original creditor - Credit limit $700
Your statement -
 Payment history
2022            
 On Time
 Contact info
Address N56 RIDGEWOOD DR MENOMONEE FAL,

WI 53051
 Comments
12/29/22, 8:04 AM Experian
MACYS/CBNA $0
 Account info
Account name MACYS/CBNA Balance $0
Date opened Jan 22, 1994 Past due amount -
Your statement -
 Payment history
2022
           
2021            
2020            
2019            
2018            
2017            
2016            
 On Time
 Contact info
Address PO BOX 8218 MASON,

OH 45040
 Comments
12/29/22, 8:04 AM Experian
SYNCB/CHEVRON $35
 Account info
Account name SYNCB/CHEVRON Balance $35
Your statement -
 Payment history
2022
           
2021            
2020            
2019            
2018            
2017            
2016            
 On Time
 Contact info
Address PO BOX 965015 ORLANDO,

FL 32896
 Comments
12/29/22, 8:04 AM Experian
SYNCB/LOWES $1,555
 Account info
Account name SYNCB/LOWES Balance $1,555
Date opened Jan 20, 2019 Past due amount -
Your statement -
 Payment history
2022            
2021            
2020            
2019            
 On Time
 Contact info
Address PO BOX 965005 ORLANDO,

FL 32896
 Comments
12/29/22, 8:04 AM Experian
THD/CBNA $0
 Account info
Account name THD/CBNA Balance $0
Date opened May 13, 2018 Past due amount -
Your statement -
 Payment history
2022            
2021            
2020            
2019            
2018 — — — — —       
 Contact info

SD 57117
 Comments
12/29/22, 8:04 AM Experian
Closed accounts
CAPITAL ONE
Closed
Exceptional payment history
 Account info
Account name CAPITAL ONE Balance -
Account number 517805XXXXXX Balance updated Oct 16, 2018
Company sold - Monthly payment -
Account type Credit Card Past due amount -
Date opened Feb 21, 2002 Highest balance $3,388
Open/closed Closed Terms Revolving
Status Paid satisfactorily Responsibility Individual
Status updated Oct 2018 Your statement -
 Payment history
2018
         NA — —
2017            
2016            
2015            
2014            
2013   —         
2012            
— — — — — — — — — —  
2011
 On Time NA No Applicable Payment History — Data Unavailable
 Contact info

UT 84131
 Comments
Account closed at consumer’s request
12/29/22, 8:04 AM Experian
COMENITY BANK/PIER 1
Closed
 Account info
Account name COMENITY BANK/PIER 1 Balance -
Account number 778830XXXXXXXXXX Balance updated Nov 07, 2018
Account type Charge Card Past due amount -
Date opened May 02, 2014 Highest balance $21
Status updated Nov 2018 Your statement -
 Payment history
2018           NA —
2017            
2016 — — — — — — — — — — — 
 Contact info

OH 43218
Phone number -
 Comments
Account closed at credit grantor’s request
12/29/22, 8:04 AM Experian
JPMCB CARD
Closed
 Account info
Account name JPMCB CARD Balance -
Account number 430587XXXXXX Balance updated Nov 03, 2014
Date opened Aug 17, 1993 Highest balance $14,184
Status updated Nov 2014 Your statement -
 Payment history
2014
— — — — — —     NA —
2013 — — — — — — — — — — — —
2012 — — — — — — — — — — — —
2011 — — — — — — — — — — — —
2010      — — — — — — —
2009 — — — — — —      
2008           — —
— — — — — — — — — — — 
2007
 Contact info

DE 19850
 Comments
12/29/22, 8:04 AM Experian
JPMCB CARD
Closed
 Account info
Account name JPMCB CARD Balance -
Account number 541711XXXXXX Balance updated Aug 26, 2013
Date opened Oct 03, 1997 Highest balance $7,500
Status updated Aug 2013 Your statement -
 Payment history
2013
       NA — — — —
2012            
2011      — — — —   
2010     —       
2009            
2008    — — — — —    
2007            
— — — — — — — —    
2006
 Contact info

DE 19850
 Comments
12/29/22, 8:04 AM Experian
SHELL/CBNA
Closed
 Account info
Account name SHELL/CBNA Balance -
Account number 501681XXXX Balance updated Jul 15, 2014
Date opened Nov 06, 1992 Highest balance $1,283
Status updated Jul 2014 Your statement -
 Payment history
2014
      NA — — — — —
2013            
2012            
2011  — — — — —      
2010         — — — —
2009            
2008            
— — — — — — —     
2007
 Contact info
SD 57117
 Comments
12/29/22, 8:04 AM Experian
Collection accounts
No collection accounts reported.
12/29/22, 8:04 AM Experian
Public records
No public records reported.
12/29/22, 8:04 AM Experian
Inquiries
CREDIT ONE BANK NA KOHLS/CAPONE LLBMC/CBNA
Inquired on Dec 23, 2022 Inquired on Dec 14, 2021 Inquired on Dec 4, 2021
Business Type: Bank Credit Cards Business Type: Complete Department Stores Business Type: Bank Credit Cards
PO BOX 98875 N56 W 17000 RIDGEWOOD DR PO BOX 6497
LAS VEGAS, NV 89193 MENOMONEE FALLS, WI 53051 SIOUX FALLS, SD 57117
(702) 269-1000 (262) 703-7000 (866) 484-2614
This inquiry is scheduled to continue on record until Jan 2025 This inquiry is scheduled to continue on record until Jan 2024 This inquiry is scheduled to continue on record until Jan 2024
WAYMC/CBNA
Inquired on Dec 29, 2022
Business Type: Bank Credit Cards
PO BOX 6497
SIOUX FALLS, SD 57117
(800) 365-2714
This inquiry is scheduled to continue on record until Jan 2025
12/29/22, 8:04 AM Experian
Credit scores
FICO® Score 8
Go od
6 70 - 739
Ve
ry
ir Go
Fa
od
712
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
Experian data 12/29/2022
What's helping
 No missed payments
You have no missed payments on your credit accounts.
Number of your accounts with a missed payment or derogatory indicator: 0 accounts
About 98% of FICO High Achievers have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average.
The FICO® Score evaluates if there are any missed payments being reported. Staying current and paying bills on time demonstrate lower credit risk.
 Long credit history
You have an established credit history.
Your oldest account was opened: 33 Years, 3 Months ago
FICO High Achievers opened their oldest account 25 years ago, on average.
Average age of your accounts: 14 Years, 9 Months
Most FICO High Achievers have an average age of accounts of 9 years or more.
FICO® Scores measure the age of the oldest account and the average age of all accounts being reported. Generally speaking, having a relatively long credit history and not opening many new accounts is
reflective of lower risk.
 Many accounts paid on time
You have a sufficient number of accounts that are currently paid as agreed.
Number of your accounts currently being paid as agreed: 15 accounts
FICO High Achievers have an average of 6 accounts currently being paid as agreed.
FICO® Scores consider the number of accounts that are being paid as agreed - in your case this number is high. Staying current and paying bills on time demonstrates lower risk.
What's hurting
 High credit usage
You've made heavy use of your available revolving credit.
Ratio of your revolving balances to your credit limits: 46%
For FICO High Achievers, the average ratio of the revolving account balances to credit limits is less than 7%.
The FICO® Score evaluates balances in relation to available credit on revolving accounts. The extent of a person's credit usage is one of the most important factors considered by a FICO® Score. People
who keep their ratio of balances to credit limits lower are generally considered less risky to lenders than those with higher ratios. Note, consolidating or moving debt from one account to another will
usually not change the total amount owed.
 Lack of recent non-mortgage loan information
You have a lack of recent activity from a non-mortgage installment loan.
Your credit report shows a $0 balance on your non-mortgage loans (such as auto or student loans) or a lack of sufficient recent information about your loans. Having a non-mortgage installment loan with
no missed payments and a low balance along with other types of credit demonstrates that a person is able to manage a variety of credit types. Having a 0% installment loan balance to loan amount ratio
is considered slightly more risky than having a low installment loan ratio.
 New account
You opened a new credit account relatively recently.
12/29/22, 8:04 AM Experian
Your newest account was opened: 1 Month ago
FICO High Achievers opened their most recent account 2 years, 7 months ago, on average.
The FICO® Score considers how recently a new credit account was opened. People who recently opened a credit account are generally more risky to lenders compared to people with no recently opened
accounts.
12/29/22, 8:04 AM Experian
Disclaimer
About your FICO® Score 8 or other FICO® Scores

Your FICO® Score 8 powered by Experian data is formulated using the information in your credit file at the time it is requested. Many but not all lenders use FICO® Score 8. In addition to the FICO® Score 8, we may offer and
provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). The other FICO® Scores made available are calculated from versions of the base and industry-specific FICO®
Score models.
Base FICO® Scores (including the FICO® Score 8) range from 300 to 850. Industry-specific FICO® Scores range from 250-900. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as
being a lower credit risk to lenders. A lower FICO® Score indicates to lenders that you may be a higher credit risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk
levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose: to summarize your creditworthiness. Keep in mind that your score is just one factor used in the application
process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan.
What this means to you:

Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and
bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. Your lender or insurer may use a different FICO® Score than FICO® Score 8 or other base or industry-
specific FICO® Scores provided by us, or different scoring models to determine how you score.

Ted Reynoso Experian

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12/29/22, 8:04 AM Experian

Date generated: Dec 29, 2022

712 Experian data Dec 29, 2022

Account summary Overall credit usage Debt summary

Open accounts 16 Credit card and credit line debt $27,397

Self-reported accounts 0 Self-reported account balance $0

Accounts ever late 0 Loan debt $0

Collections 0 Total debt $27,397

Average account age 14 yrs 9 mos

Oldest account 33 yrs 3 mos

Credit used: $27,397

Credit limit: $59,975

Prepared For TED REYNOSO Date generated: Dec 29, 2022

Name Addresses Employers

No Statement(s) present at this time

Prepared For TED REYNOSO Date generated: Dec 29, 2022

Exceptional payment history Balance updated Dec 16, 2022

Account name AMEX Balance $5,006

Account number 3499907277806703 Balance updated Dec 16, 2022

Original creditor - Credit limit $9,500

Company sold - Credit usage 52%

Account type Credit Card Monthly payment $143

Date opened Jun 25, 2003 Past due amount -

Open/closed Open Highest balance $9,453

Status Current Terms Revolving

Status updated Dec 2022 Responsibility Individual

Address PO BOX 297871 FORT LAUDERDALE,

Phone number (800) 874-2717

Prepared For TED REYNOSO Date generated: Dec 29, 2022

CAPITAL ONE $3,134

Exceptional payment history Balance updated Dec 23, 2022

Account number 539277XXXXXX Balance updated Dec 23, 2022

Original creditor - Credit limit $5,000

Company sold - Credit usage 62%

Account type Credit Card Monthly payment $91

Date opened Jul 01, 2017 Past due amount -

Open/closed Open Highest balance $3,134

Status Current Terms Revolving

Status updated Dec 2022 Responsibility Individual

 On Time — Data Unavailable

Phone number (800) 955-7070

Prepared For TED REYNOSO Date generated: Dec 29, 2022

CAPITAL ONE $188

Exceptional payment history Balance updated Dec 17, 2022

Account name CAPITAL ONE Balance $188

Account number 468837XXXXXX Balance updated Dec 17, 2022

Original creditor - Credit limit $3,200

Company sold - Credit usage 5%

Account type Credit Card Monthly payment $29

Date opened Dec 26, 2002 Past due amount -

Open/closed Open Highest balance $1,839

Status Current Terms Revolving

Status updated Dec 2022 Responsibility Individual

Phone number (800) 955-7070

Prepared For TED REYNOSO Date generated: Dec 29, 2022

Exceptional payment history Balance updated Dec 19, 2022

Account name CBNA Balance $5,096

Account number 549460XXXXXXXXXX Balance updated Dec 19, 2022

Original creditor - Credit limit $7,000

Company sold - Credit usage 72%

Account type Credit Card Monthly payment $95

Date opened Dec 04, 2021 Past due amount -

Open/closed Open Highest balance $5,131

Status Current Terms Revolving