17 Accounts 0 Public Records 1 Hard Inquiries Ata Glance: Luis Delumen

3/21/23, 4:12 PM Annual Credit Report - Experian
Prepared For
LUIS DELUMEN
Personal & Confidential
Date Generated
Mar 21, 2023
Report Number
0659-5547-10
At a
Glance 17 Accounts 0 Public Records 1 Hard Inquiries
Personal Information
6 Names 14 Addresses 1 Employers 6 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
LUIS DELUMEN LUIS S LUIS S LUMEN LUIS DE

DELUMEN LUMEN
Name ID #8853 Name ID
Name ID #18630 Name ID #9917
#14645
LUIS S DE LUIS DE LUME

LUMEN
Name ID
Name ID #9289 #28439
Addresses
https://usa.experian.com/acr/printReport?type=CDI 1/40
6202 FRIARS 6202 FRIARS 7295 849 PADILLA

RD UNIT112 RD CHARMANT ST APT204
SAN DIEGO CA, SAN DIEGO CA, DR APT114 SAN GABRIEL
92108-1098 92108-1057 SAN DIEGO CA, CA, 91776-
92122-4384 4327
Address ID Address ID
#0213036114 #0181996520 Address ID Address ID
Multifamily Multifamily #0182334630 #0180433532
Multifamily Apartment
complex
4907 1 4 4200 VIA 5244 OLIVA 4039

HAYTER AVE MARISOL AVE APT5 CHESTNUT ST
APT4405 UNIT658 LAKEWOOD APT318
LAKEWOOD LOS ANGELES CA, 90712- PHILADELPHIA
CA, 90712- CA, 90042- 2353 PA, 19104-
3143 5089 3024
Address ID
Address ID Address ID #0372134262 Address ID
#0741614007 #0680011194 Apartment #0040056340
Single family Multifamily complex Apartment
complex
5305 3600 3600 17492 ROSA

BORLAND RD CHESTNUT ST CHESTNUT ST DREW LN
LOS ANGELES APT743 APT742 APT8C
CA, 90032- PHILADELPHIA PHILADELPHIA IRVINE CA,
3917 PA, 19104- PA, 19104- 92612-2908
6337 6329
#0172467987 Address ID Address ID #0186079562
Single family #0527902906 #0040067274 Apartment
Apartment Apartment complex
complex complex
53 BETHANY 950 S EUCLID

DR AVE
IRVINE CA, SAN DIEGO CA,
92603-3544 92114-6201
#0186083280 #0575150693
Single family Single family
Year of Birth
1979
Phone Numbers
(215) 208-2470 (215) 417-4943 (562) 587-1405
Cellular Residential Cellular
Spouse or Co-Applicant
LIBERATO
Employers
HERALD CHRISTIAN HEALTH
Notices
Inquiry current address was reported within the last 90 days.
Accounts
Includes credit cards, real estate loans and installment loans. This information is reported to the
credit bureaus from your creditors.
AMERICAN EXPRESS
 Account Info
Account Name AMERICAN EXPRESS Balance $300
Account Number 3499910195636913 Balance Updated 03/12/2023
Account Type Credit card Recent Payment $0
Responsibility Individual Monthly Payment $40
Date Opened 08/08/2002 Credit Limit $9,000
Status Open/Never late. Highest Balance $1,500
Status Updated Mar 2023 Terms NA
 Payment History
J F M A M J J A S O N D
2023    — — — — — — — — —
2022            
2021            
2020            
2019            
2018            
2017            
2016 — — —         
 Current on payments
 Balance Histories
Date Balance Scheduled Payment Paid
Feb 2023 $535 $40 $0
Jan 2023 $277 $40 $0
Dec 2022 $739 $40 $0
Nov 2022 $687 $40 $0
Oct 2022 $364 $40 $0
Sep 2022 $703 $40 $0
Aug 2022 $399 $40 $0
Jul 2022 $701 $40 $0
Jun 2022 $330 $40 $0
May 2022 $237 $40 $0
Apr 2022 $278 $40 $0
Mar 2022 $68 $40 $0
Feb 2022 $0 $0 $0
Jan 2022 $43 $40 $0
Dec 2021 $51 $40 $0
Nov 2021 $351 $40 $0
Oct 2021 $666 $40 $0
Sep 2021 $711 $40 $0
Aug 2021 $975 $40 $0
Jul 2021 $256 $40 $0
Jun 2021 $543 $40 $0
May 2021 $290 $40 $0
Apr 2021 $130 $40 $0
Mar 2021 $81 $40 $0
Additional info
Between Mar 2021 and Feb 2023, your credit limit/high balance was $9,000
 Contact Info
Address PO BOX 981537,
EL PASO TX 79998
Phone Number (800) 874-2717
AMERICAN EXPRESS
 Account Info
Status Closed/Never late. Highest Balance $2,574
Status Updated June 2016 Terms NA
On Record Until Jun 2026
 Payment History
2016 ND ND ND ND ND CLS — — — — — —
2015 ND ND ND ND ND ND ND ND ND ND ND ND
2014      ND ND ND ND ND ND ND
2013            
2012            
2011 — — — — —       
CLS Closed
ND No data for this period
 Contact Info
EL PASO TX 79998
 Comment
Current:
Purchased by another lender.
Previous:
None
AMERICAN EXPRESS
 Account Info
 Payment History
2023    — — — — — — — — —
2022            
2021            
Feb 2023 $0 $0 $0
Jan 2023 $202 $40 $0
Dec 2022 $2,078 $41 $0
Nov 2022 $721 $40 $0
Oct 2022 $0 $0 $0
Sep 2022 $49 $40 $0
Aug 2022 $0 $0 $0
Jul 2022 $0 $0 $0
Jun 2022 $0 $0 $0
May 2022 $114 $40 $0
Apr 2022 $135 $40 $0
Mar 2022 $461 $40 $0
Feb 2022 $955 $40 $0
Jan 2022 $95 $40 $0
Dec 2021 $336 $40 $0
Nov 2021 $0 $0 $0
Oct 2021 $0 $0 $0
Sep 2021 $127 $40 $0
Aug 2021 $443 $40 $0
Jul 2021 $571 $40 $0
Jun 2021 $0 $0 $0
May 2021 $0 $0 $0
Apr 2021 $0 $0 $0
Mar 2021 $0 $0 $0
Additional info
 Contact Info
EL PASO TX 79998
APPLE CARD/GS BANK USA
 Account Info
Account Name APPLE CARD/GS BANK USA Balance $0
Account Number 110001XXXXXXXXXX Balance Updated 02/28/2023
Status Updated Feb 2023 Terms NA
 Payment History
2023   — — — — — — — — — —
2022            
2021            
2020 — — — — — — — — —   
Jan 2023 $0 $0 $0 on 8/5/2022
Dec 2022 $0 $0 $0 on 8/5/2022
Nov 2022 $0 $0 $0 on 8/5/2022
Oct 2022 $0 $0 $0 on 8/5/2022
Sep 2022 $0 $0 $0 on 8/5/2022
Aug 2022 $0 $0 $0 on 8/5/2022
Jul 2022 $25 $0 $0 on 3/12/2022
Jun 2022 $0 $0 $0 on 3/12/2022
May 2022 $0 $0 $0 on 3/12/2022
Apr 2022 $0 $0 $0 on 3/12/2022
Mar 2022 $0 $0 $0 on 3/12/2022
Feb 2022 $36 $0 $0 on 2/22/2022
Jan 2022 $0 $0 $0 on 1/16/2022
Dec 2021 $106 $0 $0 on 12/10/2021
Nov 2021 $0 $0 $0 on 3/28/2021
Oct 2021 $0 $0 $0 on 3/28/2021
Sep 2021 $0 $0 $0 on 3/28/2021
Aug 2021 $0 $0 $0 on 3/28/2021
Jul 2021 $0 $0 $0 on 3/28/2021
Jun 2021 $0 $0 $0 on 3/28/2021
May 2021 $0 $0 $0 on 3/28/2021
Apr 2021 $0 $0 $0 on 3/28/2021
Mar 2021 $0 $0 $0 on 3/28/2021
Additional info
Between Mar 2021 and Jan 2023, your credit limit/high balance was $7,000
 Contact Info
Address LOCKBOX 6112 P.O. BOX
7247,
PHILADELPHIA PA 19170
BANK OF AMERICA
 Account Info
Account Name BANK OF AMERICA Balance $0
 Payment History
2023    — — — — — — — — —
2022            
2021            
2020            
2019            
2018            
2017 — — — — — — — — — — — 
Feb 2023 $174 $25 $0 on 1/3/2023
Jan 2023 $0 $0 $0 on 1/3/2023
Dec 2022 $135 $25 $0 on 9/13/2022
Nov 2022 $0 $0 $0 on 9/13/2022
Oct 2022 $0 $0 $0 on 9/13/2022
Sep 2022 $239 $25 $0 on 7/30/2022
Aug 2022 $0 $0 $0 on 7/30/2022
Jul 2022 $0 $0 $0 on 6/30/2022
Jun 2022 $533 $25 $0 on 5/14/2022
May 2022 $322 $25 $0 on 5/5/2022
Apr 2022 $334 $25 $0 on 3/12/2022
Mar 2022 $535 $25 $0 on 1/12/2022
Feb 2022 $0 $0 $0 on 1/12/2022
Jan 2022 $368 $25 $0 on 11/29/2021
Dec 2021 $135 $25 $0 on 11/29/2021
Nov 2021 $0 $0 $0 on 9/6/2021
Oct 2021 $0 $0 $0 on 9/6/2021
Sep 2021 $0 $0 $0 on 9/6/2021
Aug 2021 $0 $0 $0 on 6/26/2021
Jul 2021 $69 $25 $0 on 6/26/2021
Jun 2021 $0 $0 $0 on 6/9/2021
May 2021 $1,864 $25 $0 on 3/29/2021
Apr 2021 $0 $0 $0 on 3/29/2021
Mar 2021 $676 $25 $0 on 2/5/2021
Additional info
 Contact Info
EL PASO TX 79998
BANK OF AMERICA
 Account Info
Account Name BANK OF AMERICA Balance -
Account Number 440066XXXXXXXXXX Balance Updated -
Account Type Credit card Recent Payment -
Status Paid, Closed/Never late. Highest Balance $3,995
Status Updated Aug 2020 Terms NA
On Record Until Aug 2030
 Payment History
2020        CLS — — — —
2019            
2018            
2017            
2016 — — — — — — — — — —  
CLS Closed
 Contact Info
EL PASO TX 79998
 Comment
Current:
Account closed at credit grantor's request.
Previous:
None
BANK OF AMERICA
 Account Info
 Payment History
2023    — — — — — — — — —
2022            
2021            
2020            
2019            
2018            
2017            
2016 — — —         
Feb 2023 $0 $0 $0 on 1/3/2023
Jan 2023 $0 $0 $0 on 1/3/2023
Dec 2022 $0 $0 $0 on 10/5/2022
Nov 2022 $0 $0 $0 on 10/5/2022
Oct 2022 $323 $25 $0 on 8/6/2022
Sep 2022 $0 $0 $0 on 8/6/2022
Aug 2022 $396 $25 $0 on 6/4/2022
Jul 2022 $0 $0 $0 on 6/4/2022
Jun 2022 $0 $0 $0 on 6/4/2022
May 2022 $0 $0 $0 on 4/2/2022
Apr 2022 $0 $0 $0 on 4/2/2022
Mar 2022 $0 $0 $0 on 1/22/2022
Feb 2022 $0 $0 $0 on 1/22/2022
Jan 2022 $13 $13 $0 on 12/6/2021
Dec 2021 $1,483 $25 $0 on 11/22/2021
Nov 2021 $0 $0 $0 on 10/28/2021
Oct 2021 $0 $0 $0 on 9/6/2021
Sep 2021 $293 $25 $0 on 7/28/2021
Aug 2021 $0 $0 $0 on 7/28/2021
Jul 2021 $63 $25 $0 on 4/26/2021
Jun 2021 $0 $0 $0 on 4/26/2021
May 2021 $0 $0 $0 on 4/26/2021
Apr 2021 $0 $0 $0 on 2/27/2021
Mar 2021 $0 $0 $0 on 2/27/2021
Additional info
 Contact Info
EL PASO TX 79998
BANK OF AMERICA
 Account Info
 Payment History
2023   — — — — — — — — — —
2022            
2021            
2020            
2019            
2018            
2017            
2016 — —          
Jan 2023 $702 $25 $0 on 1/3/2023
Dec 2022 $0 $0 $0 on 8/22/2022
Nov 2022 $0 $0 $0 on 8/22/2022
Oct 2022 $0 $0 $0 on 8/22/2022
Sep 2022 $0 $0 $0 on 8/22/2022
Aug 2022 $40 $25 $0 on 5/23/2022
Jul 2022 $0 $0 $0 on 5/23/2022
Jun 2022 $0 $0 $0 on 5/23/2022
May 2022 $250 $25 $0 on 5/14/2022
Apr 2022 $0 $0 $0 on 4/2/2022
Mar 2022 $247 $25 $0 on 12/11/2021
Feb 2022 $0 $0 $0 on 12/11/2021
Jan 2022 $0 $0 $0 on 12/11/2021
Dec 2021 $0 $0 $0 on 12/11/2021
Nov 2021 $549 $25 $0 on 9/22/2021
Oct 2021 $0 $0 $0 on 9/22/2021
Sep 2021 $107 $25 $0 on 5/22/2021
Aug 2021 $0 $0 $0 on 5/22/2021
Jul 2021 $0 $0 $0 on 5/22/2021
Jun 2021 $0 $0 $0 on 5/22/2021
May 2021 $485 $25 $0 on 1/2/2021
Apr 2021 $0 $0 $0 on 1/2/2021
Mar 2021 $0 $0 $0 on 1/2/2021
Additional info
 Contact Info
EL PASO TX 79998
BARCLAYS BANK DELAWARE
 Account Info
Account Name BARCLAYS BANK Balance -
DELAWARE
Balance Updated -
Account Number 000213XXXXXXXXX
Recent Payment -
Account Type Credit card
Monthly Payment $0
Responsibility Individual
Credit Limit $4,500
Date Opened 06/10/2014
Highest Balance $1,812
Status Paid, Closed/Never late.
Terms NA
Status Updated Feb 2017
On Record Until Feb 2027
 Payment History
2017  CLS — — — — — — — — — —
2016            
2015            
2014 — — — — —       
CLS Closed
 Contact Info
WILMINGTON DE 19899
 Comment
Current:
Closed due to inactivity
Previous:
None
CAP ONE
 Account Info
Account Name CAP ONE Balance -
Account Number 800612XXXXXXXXX Balance Updated -
Account Type Charge Card Recent Payment -
Status Paid, Closed/Never late. Highest Balance $3,300
Status Updated May 2017 Terms NA
On Record Until May 2027
 Payment History
2017     CLS — — — — — — —
2016            
2015            
2014            
2013 — — — — — — —     
CLS Closed
 Contact Info
SALT LAKE CITY UT 84131
 Comment
Current:
Account closed at credit grantor's request.
Previous:
None
CITI
 Account Info
Account Name CITI Balance $1,409
Account Type Credit Card Recent Payment $0
 Payment History
2023   — — — — — — — — — —
2022            
2021            
2020            
2019            
2018            
2017            
2016 — — — — — — — —    
Jan 2023 $1,285 $35 $0 on 12/29/2022
Dec 2022 $1,485 $35 $0 on 11/26/2022
Nov 2022 $258 $35 $0 on 11/19/2022
Oct 2022 $351 $35 $0 on 10/25/2022
Sep 2022 $808 $35 $0 on 9/13/2022
Aug 2022 $1,919 $35 $0 on 7/29/2022
Jul 2022 $1,813 $35 $0 on 6/29/2022
Jun 2022 $1,935 $35 $0 on 5/28/2022
May 2022 $248 $35 $0 on 5/21/2022
Apr 2022 $707 $35 $0 on 4/16/2022
Mar 2022 $1,923 $35 $0 on 3/12/2022
Feb 2022 $1,327 $35 $0 on 1/29/2022
Jan 2022 $1,860 $35 $0 on 12/31/2021
Dec 2021 $987 $35 $0 on 12/10/2021
Nov 2021 $2,323 $35 $0 on 10/28/2021
Oct 2021 $1,988 $35 $0 on 9/29/2021
Sep 2021 $168 $35 $0 on 9/26/2021
Aug 2021 $102 $35 $0 on 8/26/2021
Jul 2021 $455 $35 $0 on 7/17/2021
Jun 2021 $1,035 $35 $0 on 6/9/2021
May 2021 $852 $35 $0 on 5/11/2021
Apr 2021 $293 $35 $0 on 4/25/2021
Mar 2021 $1,116 $35 $0 on 2/27/2021
Additional info
 Contact Info
SIOUX FALLS SD 57117
CITI CARDS/CITIBANK
 Account Info
Account Name CITI CARDS/CITIBANK Balance $0
 Payment History
2023   — — — — — — — — — —
2022            
2021            
2020            
2019            
2018            
2017            
2016 — —          
Jan 2023 $118 $41 $0 on 10/25/2022
Dec 2022 $0 $0 $0 on 10/25/2022
Nov 2022 $0 $0 $0 on 10/25/2022
Oct 2022 $338 $41 $0 on 9/26/2022
Sep 2022 $258 $41 $0 on 9/4/2022
Aug 2022 $0 $0 $0 on 7/29/2022
Jul 2022 $56 $41 $0 on 5/26/2022
Jun 2022 $0 $0 $0 on 5/26/2022
May 2022 $20 $20 $0 on 5/21/2022
Apr 2022 $119 $35 $0 on 4/16/2022
Mar 2022 $0 $0 $0 on 2/26/2022
Feb 2022 $289 $35 $0 on 1/29/2022
Jan 2022 $174 $35 $0 on 12/31/2021
Dec 2021 $198 $35 $0 on 12/10/2021
Nov 2021 $296 $35 $0 on 10/28/2021
Oct 2021 $560 $35 $0 on 9/26/2021
Sep 2021 $648 $35 $0 on 8/26/2021
Aug 2021 $649 $35 $0 on 7/29/2021
Jul 2021 $523 $35 $0 on 7/17/2021
Jun 2021 $394 $35 $0 on 5/29/2021
May 2021 $357 $35 $0 on 5/11/2021
Apr 2021 $462 $35 $0 on 4/12/2021
Mar 2021 $45 $35 $0 on 2/27/2021
Additional info
 Contact Info
SIOUX FALLS SD 57117
MERCEDES-BENZ FINANCIAL SERVICES
 Account Info
Account Name MERCEDES-BENZ Balance -
FINANCIAL SERVICES
Balance Updated -
Account Number 101760XXXX
Recent Payment -
Account Type Auto Loan
Monthly Payment $0
Responsibility Individual
Original Balance $27,262
Date Opened 04/03/2010
Highest Balance $0
Status Paid, Closed/Never late.
Terms 60 Months
Status Updated Dec 2014
On Record Until Dec 2024
 Payment History
2014            CLS
2013            
2012            
2011        ND    
2010 — — —         
CLS Closed
 Contact Info
Address 13650 HERITAGE VALLEY
PARKWAY,
FT WORTH TX 76177
MOHELA/DEPT OF ED
 Account Info
Account Name MOHELA/DEPT OF ED Balance $182,749
Account Number 996306XXXXXXXXXXX Balance Updated 01/31/2023
Account Type Education Recent Payment $0
Date Opened 12/21/2009 Original Balance $278,369
Status Open/Never late. Highest Balance $0
Status Updated Jan 2023 Terms NA
 Payment History
2023  — — — — — — — — — — —
2022            
2021 —           
Dec 2022 $182,749 $0 $0 on 12/1/2022
Nov 2022 $182,749 $0 $0 on 11/1/2022
Oct 2022 $182,749 $0 $0 on 10/1/2022
Sep 2022 $182,749 $0 $0 on 9/1/2022
Aug 2022 $182,749 $0 $0 on 8/1/2022
Jul 2022 $182,749 $0 $0 on 7/1/2022
Jun 2022 $182,749 $0 $0 on 6/1/2022
May 2022 $182,749 $0 $0 on 5/1/2022
Apr 2022 $182,749 $0 $0 on 4/1/2022
Mar 2022 $182,749 $0 $0 on 3/1/2022
Feb 2022 $182,749 $0 $0 on 2/1/2022
Jan 2022 $182,749 $0 $0 on 1/1/2022
Dec 2021 $182,749 $0 $0 on 12/1/2021
Additional info
The original amount of this account was $278,369
 Contact Info
Address 633 SPIRIT DR,
CHESTERFIELD MO 63005
SYNCB/PPC
 Account Info
Account Name SYNCB/PPC Balance $0
 Payment History
2023    — — — — — — — — —
2022            
2021            
2020            
2019 — — — —        
Feb 2023 $0 $0 $0 on 5/13/2020
Jan 2023 $0 $0 $0 on 5/13/2020
Dec 2022 $0 $0 $0 on 5/13/2020
Nov 2022 $0 $0 $0 on 5/13/2020
Oct 2022 $0 $0 $0 on 5/13/2020
Sep 2022 $0 $0 $0 on 5/13/2020
Aug 2022 $0 $0 $0 on 5/13/2020
Jul 2022 $0 $0 $0 on 5/13/2020
Jun 2022 $0 $0 $0 on 5/13/2020
May 2022 $0 $0 $0 on 5/13/2020
Apr 2022 $0 $0 $0 on 5/13/2020
Mar 2022 $0 $0 $0 on 5/13/2020
Feb 2022 $0 $0 $0 on 5/13/2020
Jan 2022 $0 $0 $0 on 5/13/2020
Dec 2021 $0 $0 $0 on 5/13/2020
Nov 2021 $0 $0 $0 on 5/13/2020
Oct 2021 $0 $0 $0 on 5/13/2020
Sep 2021 $0 $0 $0 on 5/13/2020
Aug 2021 $0 $0 $0 on 5/13/2020
Jul 2021 $0 $0 $0 on 5/13/2020
Jun 2021 $0 $0 $0 on 5/13/2020
May 2021 $0 $0 $0 on 5/13/2020
Apr 2021 $0 $0 $0 on 5/13/2020
Mar 2021 $0 $0 $0 on 5/13/2020
Additional info
Between Jun 2021 and Feb 2023, your credit limit/high balance was $1,500
Between Mar 2021 and May 2021, your credit limit/high balance was $6,200
 Contact Info
ORLANDO FL 32896
SYNCB/VRZN
 Account Info
Account Name SYNCB/VRZN Balance $0
 Payment History
2023    — — — — — — — — —
2022 — — — — — — — — —   
Feb 2023 $0 $0 $189 on 2/5/2023
Jan 2023 $0 $0 $564 on 1/3/2023
Dec 2022 $374 $30 $0 on 10/26/2022
Nov 2022 $0 $0 $296 on 10/26/2022
Oct 2022 $0 $0 $0
Additional info
Between Oct 2022 and Feb 2023, your credit limit/high balance was $10,000
 Contact Info
ORLANDO FL 32896
TOYOTA MOTOR CREDIT
 Account Info
Account Name TOYOTA MOTOR CREDIT Balance $3,718
Account Number 704033XXXXXXXXXXX Balance Updated 02/28/2023
Account Type Auto Loan Recent Payment $1,000
Date Opened 10/14/2017 Original Balance $31,741
Status Updated Feb 2023 Terms 74 Months
 Payment History
2023   — — — — — — — — — —
2022            
2021            
2020   ND ND        
2019            
2018            
2017 — — — — — — — — —   
Jan 2023 $4,709 $481 $500 on 1/7/2023
Dec 2022 $5,197 $481 $500 on 12/10/2022
Nov 2022 $5,684 $481 $500 on 11/12/2022
Oct 2022 $6,170 $481 $500 on 10/7/2022
Sep 2022 $6,655 $481 $500 on 9/9/2022
Aug 2022 $7,139 $481 $500 on 8/9/2022
Jul 2022 $7,620 $481 $500 on 7/9/2022
Jun 2022 $8,102 $481 $500 on 6/10/2022
May 2022 $8,582 $481 $500 on 5/7/2022
Apr 2022 $9,060 $481 $500 on 4/11/2022
Mar 2022 $9,539 $481 $500 on 3/11/2022
Feb 2022 $10,015 $481 $500 on 2/14/2022
Jan 2022 $10,492 $481 $500 on 1/10/2022
Dec 2021 $10,966 $481 $500 on 12/7/2021
Nov 2021 $11,439 $481 $500 on 11/6/2021
Oct 2021 $11,909 $481 $500 on 10/7/2021
Sep 2021 $12,382 $481 $500 on 9/7/2021
Aug 2021 $12,852 $481 $500 on 8/6/2021
Jul 2021 $13,319 $481 $500 on 7/6/2021
Jun 2021 $13,787 $481 $500 on 6/5/2021
May 2021 $14,254 $481 $500 on 5/7/2021
Apr 2021 $14,719 $481 $500 on 4/8/2021
Mar 2021 $15,184 $481 $500 on 3/6/2021
Additional info
The original amount of this account was $31,741
 Contact Info
CEDAR RAPIDS IA 52409
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 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.
SYNCB/VRZN
Inquired on 09/30/2022
PO BOX 965015 ORLANDO FL,

32896
Unspecified. This inquiry is scheduled to

continue on record until Oct 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.
EXPERIAN EXPERIAN AMEX CAPITAL

Inquired on Inquired on Inquired on ONE
03/21/2023 03/21/2023 03/16/2023 Inquired on
03/16/2023
PO BOX 475 ANTON 200 VESEY
9600, BLVD, ST, 15000
ALLEN TX COSTA NEW YORK CAPITAL
75013 MESA CA NY 10285 ONE DR,
(800) 311- 92626 RICHMOND
4769 VA 23238
AMERICAN CREDIT WF CRD SVC THE

EXPRESS 2 KARMA Inquired on GOLDMAN
Inquired on Inquired on 03/06/2023, SACHS
03/15/2023 03/15/2023, 02/09/2023, GROUPI
03/11/2023, 01/09/2023, Inquired on
PO BOX 03/08/2023, 09/07/2022, 02/27/2023
981537, 03/04/2023, 08/04/2022
EL PASO TX 03/01/2023, and 07/07/2 200 WEST
79998 02/25/2023, 022 ST,
(800) 874- 02/22/2023, NEW YORK
2717 02/18/2023, 1220 NY 10282
02/15/2023, CONCORD
02/11/2023, AVE,
02/08/2023, CONCORD
02/04/2023, CA 94520
02/01/2023, (925) 686-
01/28/2023, 7938
01/25/2023,
01/21/2023,
01/18/2023,
01/14/2023,
01/11/2023,
01/07/2023,
01/04/2023,
12/31/2022,
12/28/2022,
12/24/2022,
12/21/2022,
12/17/2022,
12/14/2022,
12/10/2022,
12/03/2022,
11/30/2022,
11/26/2022,
11/23/2022,
11/19/2022,
11/16/2022,
11/12/2022,
11/09/2022,
11/07/2022,
11/02/2022,
10/29/2022,
10/26/2022,
10/22/2022,
10/19/2022,
10/12/2022,
10/08/2022,
10/05/2022,
10/01/2022,
09/28/2022,
09/24/2022,
09/17/2022,
09/14/2022,
09/10/2022,
09/07/2022,
09/03/2022,
08/31/2022,
08/27/2022,
08/24/2022,
08/20/2022,
08/17/2022,
08/13/2022,
08/10/2022,
08/06/2022,
08/03/2022,
07/30/2022,
07/27/2022,
07/23/2022,
07/20/2022,
07/16/2022,
07/09/2022,
07/06/2022,
07/02/2022,
06/29/2022,
06/25/2022,
06/22/2022,
06/18/2022,
06/15/2022,
06/11/2022,
06/08/2022,
06/04/2022,
06/01/2022,
05/28/2022,
05/25/2022,
05/21/2022,
05/18/2022,
05/14/2022,
05/11/2022,
05/07/2022,
05/04/2022,
04/30/2022,
04/27/2022,
04/23/2022,
04/20/2022,
04/16/2022,
04/13/2022,
04/09/2022,
04/06/2022,
04/02/2022,
03/30/2022
and 03/26/2
022
760 MARKET
ST FL 2,
SAN
FRANCISCO
CA 94102
BK OF AMER CREDCO/RO XACTUS- TOYOTA

Inquired on CKETMTG AVANTUS/R MOTOR
02/21/2023 Inquired on OCKET MO CREDIT
01/23/2023 Inquired on CORP
PO BOX 01/23/2023 Inquired on
982238, PO BOX 01/15/2023
509124,
EL PASO TX SAN DIEGO 1050 PO BOX

79998 CA 92150 WOODWARD 9786,
(800) 421- (800) 637- AVE, CEDAR
2110 2422 DETROIT MI RAPIDS IA
48226 52409
(800) 279-
9032
KESSLER/BA SOFI BANK LAUREL CREDIT

NK OF THE NA ROAD AT KARMA INC
WEST Inquired on KEY BANK Inquired on
Inquired on 12/20/2022, Inquired on 09/30/2022
12/29/2022, 11/22/2022, 10/07/2022,
11/08/2022 09/16/2022, 09/02/2022, 760 MARKET
and 03/22/2 08/12/2022, 06/30/2022, ST FL 2,
022 07/19/2022 05/13/2022 SAN
and 05/19/2 and 03/29/2 FRANCISCO
2527 022 022 CA 94102
CAMINO
RAMON, 2750 E 127 PUBLIC
SAN RAMON COTTONWO SQ,
CA 94583 OD PKWY, CLEVELAND
(925) 843- COTTONWO OH 44114
0000 OD HEIGHTS
UT 84121
(855) 456-
7634
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 (855) 414-6047 Allen, TX 75013
and 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.consumerfinance.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 files 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.consumerfinance.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 file 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 file. You may request and obtain all the
information about you in the files of a consumer reporting agency (your "file disclosure").
You will be required to provide proper identification, which may include your Social
Security number. In many cases, the disclosure will be free. You are entitled to a free file
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 file;
your file 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.consumerfinance.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 file that is incomplete or inaccurate, and report it to the consumer
reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or

unverifiable information. Inaccurate, incomplete or unverifiable information must be
removed or corrected, usually within 30 days. However, a consumer reporting agency
may continue to report information it has verified 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 file 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 specifies 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.consumerfinance.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.consumerfinance.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 financial 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 file at no cost. An initial fraud alert is a 1-year alert that is
placed on a consumer's credit file. Upon seeing a fraud alert display on a consumer's
credit file, 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 affiliates, 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 a. Bureau of Consumer

unions with total assets of over $10 billion and Financial Protection
their affiliates. 1700 G Street NW
Washington, DC 20552
b. Such affiliates that are not banks, savings
associations, or credit unions also should list in b. Federal Trade
addition to the Bureau: Commission: Consumer
Response Center - FCRA
(877) 382-4357
2. To the extent not included in item 1 above: a. Office of the Comptroller

of the Currency
a. National banks, federal savings associations, Customer Assistance Group
and federal branches and federal agencies of 1301 McKinney Street, Suite
foreign banks 3450
Houston, TX 77010-9050
b. State member banks, branches and agencies of
foreign banks (other than federal branches, federal b. Federal Reserve
agencies, and insured state branches of foreign Consumer Help Center
banks), commercial lending companies owned or PO Box 1200
controlled by foreign banks, and organizations Minneapolis, MN 55480
operating under section 25 or 25A of the Federal
Reserve Act c. FDIC Consumer
Response Center
c. Nonmember Insured banks, Insured State 1100 Walnut Street, Box #11
Branches of Foreign Banks, and insured state Kansas City, MO 64106
savings associations
d. National Credit Union
d. Federal Credit Unions Administration
Office of Consumer
Protection (OCP)
Division of Consumer
Compliance and Outreach
(DCCO)
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Asst. General Counsel for

Aviation Enforcement &
Proceedings
Aviation Consumer
Protection Division
Department of
Transportation
1200 New Jersey Avenue SE
4. Creditors Subject to Surface Transportation Office of Proceedings,

Board Surface Transportation
Board
Department of
Transportation
395 E Street, SW
5. Creditors Subject to Packers and Stockyards Nearest Packers and

Act Stockyards Administration
area supervisor
6. Small Business Investment Companies Associate Deputy

Administrator for Capital
Access
United States Small
Business Administration
409 Third Street, SW, 8th
Floor
7. Brokers and Dealers Securities and Exchange

Commission
100 F St NE
8. Federal Land Banks, Federal Land Bank Farm Credit Administration

Associations, Federal Intermediate Credit Banks, 1501 Farm Credit Drive
and Production Credit Associations McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other FTC Regional Office for
Creditors Not Listed Above region in which the creditor
operates or Federal Trade
Commission: Consumer
Response Center - FCRA
(877) 382-4357
Notification of Rights
Notification of Rights for California Consumers
Notification of Rights for Colorado Consumers
Notification of Rights for Connecticut Consumers
Notification of Rights for Maryland Consumers
Notification of Rights for Massachusetts Consumers
Notification of Rights for Texas Consumers

Notification of Rights for Vermont Consumers
Notification of Rights for Washington Consumers

17 Accounts 0 Public Records 1 Hard Inquiries Ata Glance: Luis Delumen

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17 Accounts 0 Public Records 1 Hard Inquiries Ata Glance: Luis Delumen

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3/21/23, 4:12 PM Annual Credit Report - Experian

6 Names 14 Addresses 1 Employers 6 Other Records

LUIS DELUMEN LUIS S LUIS S LUMEN LUIS DE

LUIS S DE LUIS DE LUME

6202 FRIARS 6202 FRIARS 7295 849 PADILLA

4907 1 4 4200 VIA 5244 OLIVA 4039

5305 3600 3600 17492 ROSA

53 BETHANY 950 S EUCLID

(215) 208-2470 (215) 417-4943 (562) 587-1405

Cellular Residential Cellular

HERALD CHRISTIAN HEALTH

Inquiry current address was reported within the last 90 days.

Account Number 3499910195636913 Balance Updated 03/12/2023

Account Type Credit card Recent Payment $0

Responsibility Individual Monthly Payment $40

Date Opened 08/08/2002 Credit Limit $9,000

Status Open/Never late. Highest Balance $1,500

Status Updated Mar 2023 Terms NA

Date Balance Scheduled Payment Paid

Feb 2023 $535 $40 $0

Jan 2023 $277 $40 $0

Dec 2022 $739 $40 $0

Nov 2022 $687 $40 $0

Oct 2022 $364 $40 $0

Sep 2022 $703 $40 $0

Aug 2022 $399 $40 $0

Jul 2022 $701 $40 $0

Jun 2022 $330 $40 $0

May 2022 $237 $40 $0

Apr 2022 $278 $40 $0

Mar 2022 $68 $40 $0

Jan 2022 $43 $40 $0

Dec 2021 $51 $40 $0

Nov 2021 $351 $40 $0

Oct 2021 $666 $40 $0

Sep 2021 $711 $40 $0

Aug 2021 $975 $40 $0

Jul 2021 $256 $40 $0

Date Balance Scheduled Payment Paid

Jun 2021 $543 $40 $0

May 2021 $290 $40 $0

Apr 2021 $130 $40 $0

Mar 2021 $81 $40 $0

Phone Number (800) 874-2717

Account Number 3499917042014583 Balance Updated 06/26/2016

Account Type Credit card Recent Payment $0

Responsibility Individual Monthly Payment $0

Date Opened 10/01/2002 Credit Limit $8,400

Status Closed/Never late. Highest Balance $2,574

Status Updated June 2016 Terms NA

On Record Until Jun 2026

Phone Number (800) 874-2717

Purchased by another lender.

Account Number 3499928379126663 Balance Updated 03/15/2023

Account Type Credit card Recent Payment $0

Responsibility Individual Monthly Payment $40

Date Opened 12/15/2020 Credit Limit $10,000

Status Open/Never late. Highest Balance $2,078

Status Updated Mar 2023 Terms NA

Date Balance Scheduled Payment Paid

Jan 2023 $202 $40 $0

Dec 2022 $2,078 $41 $0

Nov 2022 $721 $40 $0