Experian

12/2/23, 10:22 AM Experian
Prepared For
ABHIMANYU GANGULA
Personal & confidential
Date generated: Dec 2, 2023
At a glance
FICO® Score 8
686 Experian data Dec 2, 2023

300 850
Good
Account summary Overall credit usage Debt summary
Open accounts 7 Credit card and credit line debt $1,098
Self-reported accounts 0 Self-reported account balance $0
Accounts ever late 1 Loan debt $28,550
Closed accounts 1
5% Collections debt $0
Collections 0 Total debt $29,648
Average account age 2 yrs 2 mos
Oldest account 7 yrs 4 mos
Credit used: $1,098
Credit limit: $21,350
https://usa.experian.com/mfe/member/printable-report/experian/now 1/23
12/2/23, 10:22 AM Experian
Prepared For ABHIMANYU GANGULA Date generated: Dec 2, 2023
Personal information
Name Addresses Employers

ABHIMANYU GANGULA 5917 ASCERO ST CREDIT ONE
LAS VEGAS, NV 89113-6672
Also known as
- 2255 BRAESWOOD PARK DR APT 309
HOUSTON, TX 77030-4435
Generational identifier
- 3153 RABBIT CREEK DR
LAS VEGAS, NV 89120-3162
Year of birth
1994
Personal statements
No Statement(s) present at this time
12/2/23, 10:22 AM Experian
Open accounts
AMEX $694
Exceptional payment history Balance updated Nov 02, 2023
 Account info
Account name AMEX Balance $694
Account number 3499931274423133 Balance updated Nov 02, 2023
Original creditor - Credit limit $6,300
Company sold - Credit usage 11%
Account type Credit card Monthly payment $40
Date opened Jun 07, 2023 Highest balance $2,007
Open/closed Open Terms -
Status Open/Never late. Responsibility Authorized user
Status updated Nov 2023 Your statement -
 Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 - - - - - -      -
 Current / Terms met - Data Unavailable
 Contact info
Address PO BOX 297871 FORT LAUDERDALE,
FL 33329
Phone number (800) 874-2717
 Comments
-
12/2/23, 10:22 AM Experian
CAPITAL ONE $0
 Account info
Account name CAPITAL ONE Balance $0
Account number 517805XXXXXX Balance updated Nov 22, 2023
Original creditor - Credit limit $300
Date opened May 24, 2023 Highest balance $0
Open/closed Open Terms -
Status Open/Never late. Responsibility Individual
Status updated Nov 2023 Your statement -
 Payment history
2023 - - - - -       -
 Contact info
Address PO BOX 31293 SALT LAKE CITY,
UT 84131
 Comments
-
12/2/23, 10:22 AM Experian
CAPITAL ONE $27
 Account info
Account name CAPITAL ONE Balance $27
Date opened Aug 21, 2016 Last Payment Date Nov 06, 2023
Open/closed Open Highest balance $2,038
Status Open/Never late. Terms -
Status updated Nov 2023 Responsibility Authorized user
Your statement -
 Payment history
2023            -
2022            
2021            
2020            
2019            
2018            
2017            
2016 - - - - - - - - - - - 
 Contact info
UT 84131
 Comments
-
12/2/23, 10:22 AM Experian
CREDIT ONE BANK NA $0
 Account info
Account name CREDIT ONE BANK NA Balance $0
Account number 470793XXXXXXXXXX Balance updated Nov 22, 2023
Original creditor - Credit limit $500
Date opened Feb 10, 2022 Last Payment Date Mar 26, 2023
Open/closed Open Highest balance $164
Status updated Nov 2023 Responsibility Individual
Your statement -
 Payment history
2023            -
2022 -           
 Contact info
Address PO BOX 98875 LAS VEGAS,
NV 89193
 Comments
-
12/2/23, 10:22 AM Experian
DISCOVER BANK $377
 Account info
Account name DISCOVER BANK Balance $377
Date opened Nov 10, 2021 Last Payment Date Nov 19, 2023
Status updated Nov 2023 Responsibility Individual
Your statement -
 Payment history
2023            -
2022            
2021 - - - - - - - - - -  
 Contact info
UT 84130
 Comments
Account previously in dispute - investigation complete, reported by data furnisher
12/2/23, 10:22 AM Experian
DISCOVER BANK $0
 Account info
Account name DISCOVER BANK Balance $0
Date opened May 21, 2022 Last Payment Date Nov 06, 2023
Status updated Nov 2023 Responsibility Authorized user
Your statement -
 Payment history
2023            -
2022 - - - - -       
 Contact info
UT 84130
 Comments
-
12/2/23, 10:22 AM Experian
TOYOTA MOTOR CREDIT $28,550
Exceptional payment history Balance updated Oct 31, 2023
 Account info
Account name TOYOTA MOTOR CREDIT Balance $28,550
Account number 704015XXXXXXXXXXX Balance updated Oct 31, 2023
Original creditor - Original balance $31,240
Company sold - Paid off 9%
Account type Auto Loan Monthly payment $588
Date opened May 16, 2023 Last Payment Date Oct 01, 2023
Open/closed Open Terms 72 Months
Status Open/Never late. Responsibility Individual
Status updated Oct 2023 Your statement -
 Payment history
2023 - - - -       - -
 Contact info
Address PO BOX 9786 CEDAR RAPIDS,
IA 52409
Phone number -
 Comments
-
12/2/23, 10:22 AM Experian
Closed accounts
USF FED CREDIT UNION

Closed
1 potentially negative month
 Account info
Account name USF FED CREDIT UNION Balance -
Account number 100000XXXXXXXXXXX Balance updated -
Original creditor - Original balance -
Company sold - Monthly payment -
Account type Deposit Terms 1 Month
Date opened Jan 11, 2021 Responsibility Individual
Open/closed Closed Your statement -
Status Paid, Closed.
Status updated Feb 2022
 Payment history
2022 - CO - - - - - - - - - -
CO Charge off - Data Unavailable
 Contact info
Address 13101 TELECOM DR STE 100 TEMPLE
TERRACE,
FL 33637
 Comments
-
12/2/23, 10:22 AM Experian
Collection accounts
No collection accounts reported.
12/2/23, 10:22 AM Experian
Public records
No public records reported.
12/2/23, 10:22 AM Experian
Inquiries
700 CREDIT/DAVID WILSO AIR ACADEMY FCU ALLY FINANCIAL
Inquired on Apr 6, 2023 Inquired on Nov 29, 2023 Inquired on Apr 11, 2023
Business Type: Automobile Dealers, Used Business Type: Credit Unions Business Type: Auto Financing Companies
3255 E SAHARA AVE 9810 N UNION BLVD 200 RENAISSANCE CTR
LAS VEGAS, NV 89104 COLORADO SPRINGS, CO 80924 DETROIT, MI 48243
(702) 485-4217 (719) 592-1017 (248) 263-3004
This inquiry is scheduled to continue on record until May 2025 This inquiry is scheduled to continue on record until Dec 2025 This inquiry is scheduled to continue on record until May 2025
AMERICA FIRST CREDIT U BK OF AMER BK OF AMER
Inquired on Dec 2, 2023 Inquired on May 25, 2023 Inquired on Feb 7, 2022
Business Type: Credit Unions Business Type: Bank Credit Cards Business Type: Bank Credit Cards
PO BOX 9199 PO BOX 982238 PO BOX 982238
OGDEN, UT 84409 EL PASO, TX 79998 EL PASO, TX 79998
(801) 627-0900 (800) 421-2110 (800) 421-2110
This inquiry is scheduled to continue on record until Jan 2026 This inquiry is scheduled to continue on record until Jun 2025 This inquiry is scheduled to continue on record until Mar 2024
CAP ONE NA CAPITAL ONE AUTO FIN CREDIT ONE BANK NA
Inquired on May 24, 2023 Inquired on Apr 11, 2023 Inquired on Feb 7, 2022
Business Type: Bank Credit Cards Business Type: Auto Financing Companies Business Type: Bank Credit Cards
SALT LAKE CITY, UT 84130 PLANO, TX 75025 LAS VEGAS, NV 89193
(800) 227-4825 (800) 946-0332 (702) 269-1000
This inquiry is scheduled to continue on record until Jun 2025 This inquiry is scheduled to continue on record until May 2025 This inquiry is scheduled to continue on record until Mar 2024
DISCOVER FINANCIAL SER JPMCB CARD NCCINC/FINDLAY TOYOTA
Inquired on Nov 10, 2021 Inquired on Nov 10, 2021 Inquired on Apr 11, 2023
Business Type: Bank Credit Cards Business Type: Bank Credit Cards Business Type: Automobile Dealers, New
12 READS WAY PO BOX 15077 7733 EASTGATE RD
NEW CASTLE, DE 19720 WILMINGTON, DE 19850 HENDERSON, NV 89011
By mail only (800) 453-9719 (702) 566-2000
This inquiry is scheduled to continue on record until Dec 2023 This inquiry is scheduled to continue on record until Dec 2023 This inquiry is scheduled to continue on record until May 2025
SYNCB/PPMC TOYOTA MOTOR CREDIT CO TOYOTA MOTOR CREDIT CO
Inquired on Feb 7, 2022 Inquired on May 15, 2023 Inquired on Apr 13, 2023
Business Type: Sales Financing Company Business Type: Auto Financing Companies Business Type: Auto Financing Companies
ORLANDO, FL 32896 CEDAR RAPIDS, IA 52409 CEDAR RAPIDS, IA 52409
(866) 300-6432 (800) 279-9032 (800) 279-9032
This inquiry is scheduled to continue on record until Mar 2024 This inquiry is scheduled to continue on record until Jun 2025 This inquiry is scheduled to continue on record until May 2025
TOYOTA MOTOR CREDIT CO
Inquired on Apr 11, 2023
12/2/23, 10:22 AM Experian
Business Type: Auto Financing Companies
PO BOX 9786
CEDAR RAPIDS, IA 52409
(800) 279-9032
This inquiry is scheduled to continue on record until May 2025
12/2/23, 10:22 AM Experian
Credit scores
FICO® Score 8
Go od
6 70 - 739
Ve
ry
ir Go
Fa
od
686
Your score is near or slightly above the average of U.S. consumers and most lenders consider this a good
score.
Ex
cep
Poor
ti
o na l
300 850
Experian data 12/2/2023
What's helping
 Low revolving credit usage
You've limited the use of your available revolving credit.
Ratio of your revolving balances to your credit limits: 13%
For FICO High Achievers, the average ratio of the revolving account balances to credit limits is less than 7%.
FICO® Scores evaluate the total revolving account balances in relation to the total credit limits on those accounts. People who keep their ratio of balances to credit limits low pose less risk to lenders than
those with higher ratios.
 Recent credit card usage
You've shown recent use of credit cards and/or bank-issued open-ended accounts.
FICO® Scores evaluate the mix of credit cards, installment loans and mortgages. People who demonstrate recent and responsible use of credit cards and/or bank-issued open-ended accounts are
generally considered less risky to lenders.
 Bills paid on time recently
You've recently been paying your bills on time.
Your most recent missed payment happened: 1 Year, 10 Months ago
About 98% of FICO High Achievers have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average.
While you have missed payments in the past, you have recently been paying your bills on time. Staying current and paying bills on time demonstrates lower risk.
What's hurting
 Serious delinquency
You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.
Number of your accounts that were ever 60 days late or worse or have a derogatory indicator: 1 account
Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report.
The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these
items age, they will have less impact on the FICO® Score. Most late payments stay on your report for no more than seven years.
 Short account history
You have a short credit history.
Your oldest account was opened: 2 Years, 11 Months ago
FICO High Achievers opened their oldest account 25 years ago, on average.
Average age of your accounts: 1 Year, 7 Months
Most FICO High Achievers have an average age of accounts of 9 years or more.
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is
relatively low.
 Few accounts paid on time
You have an insufficient number of accounts that are currently paid as agreed.
12/2/23, 10:22 AM Experian
Number of your accounts currently being paid as agreed: 4 accounts
FICO High Achievers have an average of 6 accounts currently being paid as agreed.
The FICO® Score considers the number of accounts showing on time payments. Generally, the higher the number reported the lower the risk. Compared to other people with a similar age of credit history,
the number of accounts you have that are currently paid as agreed is low.
12/2/23, 10:22 AM Experian
FICO® Auto Score 8
Go od
6 70 - 739
Ve
ry
ir Go
Fa
od
690
This is a FICO® Score version customized for auto lending. Many banks, auto dealers and other lenders use
this version when pulling your credit report based on Experian data.
Ex
cep
Poor
ti
o na l
250 900
FICO® Auto Score 8
What's hurting
relatively low.
 Loan balances
The remaining balance on your mortgage or non-mortgage installment loans is relatively high.
FICO® Scores weigh the amounts paid down and balances of mortgage and non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when an
installment loan is first obtained the balance is high. As the loan is paid down, the balance decreases. As installment loan balances decrease, they have less impact on a FICO® Score. Having a low
installment loan balance to loan amount ratio is considered slightly less risky than having a 0% installment loan ratio. Consolidating or moving debt from one account to another will usually not help a
FICO® Score since the same total amount is owed and the score may go down due to opening a new account.
12/2/23, 10:22 AM Experian
FICO® Auto Score 2
Go od
6 70 - 739
Ve
ry
ir Go
Fa
od
689
This is a previous FICO® Score version customized for auto lending. Many banks, auto dealers and other
lenders use this version when pulling your credit report based on Experian data.
Ex
cep
Poor
ti
o na l
250 900
FICO® Auto Score 2
What's hurting
 Short loan history
Your open installment loans do not show a long credit history.
People who have longer credit histories and do not frequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest open (not yet paid off) installment loan and/or the
average age of your open installment loans is relatively low.
relatively low.
 Seeking credit
You've recently been looking for credit.
Each time you apply for credit a credit inquiry is added to your credit report. People who are actively seeking credit pose more of a risk to lenders than those who are not. Your FICO® Score was lowered
due to the number of credit inquiries posted within the last 12 months. While being considered by the score, typically, the presence of inquiries on a credit file carries much less importance than late
payments, the amount owed and the length of time credit has been established.
12/2/23, 10:22 AM Experian
FICO® Bankcard Score 8
Go od
6 70 - 739
Ve
ry
ir Go
Fa
od
682
This is a FICO® Score version that is customized for credit card lending. Many credit card issuers use this
version when pulling your credit report based on Experian data.
Ex
cep
Poor
ti
o na l
250 900
What's hurting
relatively low.
 Loan balances
The remaining balance on your mortgage or non-mortgage installment loans is relatively high.
FICO® Scores weigh the amounts paid down and balances of mortgage and non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when an
installment loan is first obtained the balance is high. As the loan is paid down, the balance decreases. As installment loan balances decrease, they have less impact on a FICO® Score. Having a low
installment loan balance to loan amount ratio is considered slightly less risky than having a 0% installment loan ratio. Consolidating or moving debt from one account to another will usually not help a
FICO® Score since the same total amount is owed and the score may go down due to opening a new account.
12/2/23, 10:22 AM Experian
Go od
6 70 - 739
Ve
ry
ir Go
Fa
od
692
This is a previous FICO® Score version that is customized for credit card lending. Many credit card issuers
use this version when pulling your credit report based on Experian data.
Ex
cep
Poor
ti
o na l
250 900
What's hurting
relatively low.
 Missed payments
You have missed payments or derogatory indicators on your credit accounts.
Missed payments and derogatory indicators, including the number of, how late they were and how recently they occurred, are an important part of a credit report considered by a FICO® Score. People who
are current on their payments, have no derogatory indicators and who consistently make payments on time are generally considered less risky by most lenders. As missed payments and accounts with
derogatory indicators age, they have less impact on a FICO® Score.
 Many new accounts
You've recently opened too many new credit accounts.
The FICO® Score considers the number of recent credit account openings. Opening several credit accounts in a short time period is reflective of greater risk - especially for people with shorter credit
histories.
12/2/23, 10:22 AM Experian
FICO® Score 3
Go od
6 70 - 739
Ve
ry
ir Go
Fa
This is a previous FICO® Score version used primarily in credit card lending. It may also be used by some
od
673
lenders for other credit product application evaluations (such as credit cards, personal loans, retail credit,
Ex
student loans, etc.).
cep
Poor
ti
o na l
300 850
FICO® Score 3
What's hurting
 Seeking credit
relatively low.
 Missed payments
12/2/23, 10:22 AM Experian
FICO® Score 2
Go od
6 70 - 739
Ve
ry
ir Go
Fa
This is a previous FICO® Score version used primarily in mortgages lending. It may also be used by some
od
677
lenders for other credit product application evaluations (such as credit cards, personal loans, retail credit,
Ex
student loans, etc.).
cep
Poor
ti
o na l
300 850
FICO® Score 2
What's hurting
relatively low.
 Seeking credit
 Missed payments
12/2/23, 10:22 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.

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12/2/23, 10:22 AM Experian

Date generated: Dec 2, 2023

686 Experian data Dec 2, 2023

Account summary Overall credit usage Debt summary

Open accounts 7 Credit card and credit line debt $1,098

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

Accounts ever late 1 Loan debt $28,550

Collections 0 Total debt $29,648

Average account age 2 yrs 2 mos

Oldest account 7 yrs 4 mos

Credit used: $1,098

Credit limit: $21,350

Prepared For ABHIMANYU GANGULA Date generated: Dec 2, 2023

Name Addresses Employers

No Statement(s) present at this time

Prepared For ABHIMANYU GANGULA Date generated: Dec 2, 2023

Exceptional payment history Balance updated Nov 02, 2023

Account number 3499931274423133 Balance updated Nov 02, 2023

Original creditor - Credit limit $6,300

Company sold - Credit usage 11%

Account type Credit card Monthly payment $40

Date opened Jun 07, 2023 Highest balance $2,007

Open/closed Open Terms -

Status Open/Never late. Responsibility Authorized user

Status updated Nov 2023 Your statement -

 Current / Terms met - Data Unavailable

Phone number (800) 874-2717

Prepared For ABHIMANYU GANGULA Date generated: Dec 2, 2023

Exceptional payment history Balance updated Nov 22, 2023

Account number 517805XXXXXX Balance updated Nov 22, 2023

Original creditor - Credit limit $300

Company sold - Credit usage 0%

Account type Credit card Monthly payment $0

Date opened May 24, 2023 Highest balance $0

Open/closed Open Terms -

Status Open/Never late. Responsibility Individual

Status updated Nov 2023 Your statement -

 Current / Terms met - Data Unavailable

Phone number (800) 955-7070

Prepared For ABHIMANYU GANGULA Date generated: Dec 2, 2023

CAPITAL ONE $27

Exceptional payment history Balance updated Nov 18, 2023

Account number 517805XXXXXX Balance updated Nov 18, 2023

Original creditor - Credit limit $3,250

Company sold - Credit usage 0%

Account type Credit card Monthly payment $25

Open/closed Open Highest balance $2,038

Status Open/Never late. Terms -

Status updated Nov 2023 Responsibility Authorized user

 Current / Terms met - Data Unavailable

Phone number (800) 955-7070

Prepared For ABHIMANYU GANGULA Date generated: Dec 2, 2023

CREDIT ONE BANK NA $0

Exceptional payment history Balance updated Nov 22, 2023

Account number 470793XXXXXXXXXX Balance updated Nov 22, 2023

Original creditor - Credit limit $500

Company sold - Credit usage 0%

Account type Credit card Monthly payment $0

Open/closed Open Highest balance $164

Status Open/Never late. Terms -

Status updated Nov 2023 Responsibility Individual

 Current / Terms met - Data Unavailable

Phone number (702) 269-1000

Prepared For ABHIMANYU GANGULA Date generated: Dec 2, 2023