4/17/24, 6:06 PM Your Credit Health | Credit Karma

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Apr 17, 2024

SARAH R WILLIAMS
553
Calculated using VantageScore 3.0
Provided by TransUnion

Personal Information
NAMES REPORTED

SARAH R WILLIAMS
SOLTIS,SARAH,R

EMPLOYMENT INFO

JACKSON LOCAL SCHOOLS

ADDRESSES REPORTED

3545 DURHAM DR
NORTON, OH
44203

400 E TUSCARAWAS AV
BARBERTON, OH
44203

67 WALTZ DR
BARBERTON, OH
44203

Accounts
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account.

AUTO LOANS

SANTANDER CONSUMER USA $19,100.00 -

Reported: Mar. 31, 2024 In good standing

Overview
You have 63% left to pay on this loan.

Balance Highest Balance

$19100 $30433

Monthly payment $569

Opened May 28, 2021 (2 yrs, 10 mos)

Term 73 months

Payment History

You’ve made 70% of payments for this account on time.

J F M A M J J A S O N D
2024
2023
2022

2021

Current Late Unknown

Last payment Mar. 13, 2024

Current Payment Status Current

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Worst Payment Status 60-89 Days Late

Account Details

Account status Open

Type Auto Loan

Responsibility Joint

Remarks No Info

Times 30/60/90 days late 9/1/0

Closed No Info

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Creditor Information
SANTANDER CONSUMER USA
PO BOX 961211
FORT WORTH, TX 76161

(888) 222-4227

CREDIT CARDS

MERRICK BANK $805.00 -

Reported: Apr. 01, 2024 Closed

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Overview
You're currently using 146% of your account's limit.

Balance Credit limit

$805 $550

Monthly payment $0

Opened Jul. 01, 2021 (2 yrs, 9 mos)

Payment History

Last payment Jul. 21, 2022

Current Payment Status In Collections/Charge-off

Amount past due $805

Worst Payment Status No Info

Account Details

Account status Derogatory

Type Credit Card

Responsibility Individual

Remarks Charged off as bad debt

Profit and loss write-off

Times 30/60/90 days late 0/0/0

Closed Jan. 23, 2023

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Creditor Information
MERRICK BANK
PO BOX 9201
OLD BETHPAGE, NY 11804

(800) 204-5936

HUNTINGTON NATIONAL BANK $3,198.00 -

Reported: Mar. 28, 2024 Closed

Overview
You're currently using 34% of your account's limit.

Balance Credit limit

$3198 $9500

Monthly payment $0

Opened Jun. 27, 2006 (17 yrs, 9 mos)

Payment History

Last payment Feb. 28, 2024

Current Payment Status In Collections/Charge-off

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Amount past due $3198

Worst Payment Status No Info

Account Details

Account status Derogatory

Type Credit Card

Responsibility Joint

Remarks Charged off as bad debt

Canceled by credit grantor

Times 30/60/90 days late 0/0/0

Closed Jun. 30, 2019

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Creditor Information
HUNTINGTON NATIONAL BANK
HUNTINGTON BANKS PO BOX 1558
COLUMBUS, OH 43216

(800) 480-2265

CITICARDS CBNA $3,007.00 -

Reported: Mar. 22, 2024 Closed
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Overview
You're currently using 54% of your account's limit.

Balance Credit limit

$3007 $5590

Monthly payment $0

Opened Jul. 19, 2002 (21 yrs, 9 mos)

Payment History

Last payment Feb. 28, 2023

Current Payment Status In Collections/Charge-off

Amount past due $1647

Worst Payment Status No Info

Account Details

Account status Derogatory

Type Credit Card

Responsibility Individual

Remarks Charged off as bad debt

Canceled by credit grantor

Times 30/60/90 days late 0/0/0

Closed Apr. 23, 2019

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Creditor Information
CITICARDS CBNA
PO BOX 6217
SIOUX FALLS, SD 57117

TBOM/FORTIVA MC $0.00 -
Reported: Mar. 28, 2024 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $750

Monthly payment $0

Opened May 21, 2021 (2 yrs, 10 mos)

Payment History

Last payment Jun. 02, 2023

Current Payment Status In Collections/Charge-off

Amount past due Credit

Today Cards Loans $0
Money

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Worst Payment Status No Info

Account Details

Account status Paid

Type Credit Card

Responsibility Individual

Remarks Payment after charge off/collection

Account closed by consumer

Times 30/60/90 days late 0/0/0

Closed Jan. 07, 2022

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Creditor Information
TBOM/FORTIVA MC
PO BOX 105555
ATLANTA, GA 30348

(877) 785-7908

FNB OLDHAM/CCS $0.00 -

Reported: May 12, 2023 Closed

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Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 No Info

Monthly payment $0

Opened Apr. 22, 2021 (2 yrs, 11 mos)

Payment History

Last payment Apr. 12, 2023

Current Payment Status In Collections/Charge-off

Amount past due $0

Worst Payment Status No Info

Account Details

Account status Paid

Type Credit Card

Responsibility Individual

Remarks Payment after charge off/collection

Settled - less than full balance

Times 30/60/90 days late 0/0/0

Closed Dec. 28, 2022

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Creditor Information
FNB OLDHAM/CCS
PO BOX 5081
SIOUX FALLS, SD 57117

(605) 782-3648

KOHLS DEPARTMENT STORE $0.00 -

Reported: Jul. 31, 2022 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $3000

Monthly payment $0

Opened Apr. 08, 2006 (18 yrs)

Payment History

Last payment Jun. 30, 2022

Current Payment Status In Collections/Charge-off

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Amount past due $0

Worst Payment Status No Info

Account Details

Account status Paid

Type Charge account

Responsibility Individual

Remarks Payment after charge off/collection

Settled - less than full balance

Times 30/60/90 days late 0/0/0

Closed Jul. 03, 2019

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Creditor Information
KOHLS DEPARTMENT STORE
PO BOX 3115
MILWAUKEE, WI 53201

(800) 564-5740

CAPITAL ONE $0.00 -

Reported: Jul. 15, 2021 Closed
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Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $1000

Monthly payment $0

Opened Mar. 13, 2017 (7 yrs, 1 mo)

Payment History

Last payment May 28, 2021

Current Payment Status In Collections/Charge-off

Amount past due $0

Worst Payment Status No Info

Account Details

Account status Paid

Type Credit Card

Responsibility Individual

Remarks Payment after charge off/collection

Settled - less than full balance

Times 30/60/90 days late 0/0/0

Closed Nov. 11, 2019

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Creditor Information
CAPITAL ONE
PO BOX 31293
SALT LAKE CITY, UT 84131

(800) 955-7070

SYNCB/AMAZON PLCC $0.00 -

Reported: Nov. 23, 2020 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 No Info

Monthly payment $0

Opened Nov. 25, 2011 (12 yrs, 4 mos)

Payment History

Last payment Oct. 27, 2020

Current Payment Status In Collections/Charge-off

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Amount past due $0

Worst Payment Status No Info

Account Details

Account status Paid

Type Charge account

Responsibility Individual

Remarks Payment after charge off/collection

Paid profit and loss

Times 30/60/90 days late 0/0/0

Closed Jul. 23, 2019

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Creditor Information
SYNCB/AMAZON PLCC
PO BOX 71737
PHILADELPHIA, PA 19176

(866) 634-8379

SYNCB/LEVIN FURNITURE $0.00 -

Reported: Oct. 26, 2020 Closed
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Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 No Info

Monthly payment $0

Opened Nov. 17, 2013 (10 yrs, 5 mos)

Payment History

Last payment Aug. 31, 2020

Current Payment Status In Collections/Charge-off

Amount past due $0

Worst Payment Status No Info

Account Details

Account status Paid

Type Charge account

Responsibility Individual

Remarks Payment after charge off/collection

Settled - less than full balance

Times 30/60/90 days late 0/0/0

Closed Aug. 12, 2019

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Creditor Information
SYNCB/LEVIN FURNITURE
PO BOX 71757
PHILADELPHIA, PA 19176

(866) 396-8254

JPMCB CARD SERVICES $0.00 -

Reported: Sep. 24, 2020 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $500

Monthly payment $0

Opened Nov. 25, 2015 (8 yrs, 4 mos)

Payment History

Last payment Aug. 14, 2020

Current Payment Status In Collections/Charge-off

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Amount past due $0

Worst Payment Status No Info

Account Details

Account status Paid

Type Flexible spending credit card

Responsibility Individual

Remarks Payment after charge off/collection

Settled - less than full balance

Times 30/60/90 days late 0/0/0

Closed May 23, 2019

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Creditor Information
JPMCB CARD SERVICES
PO BOX 15369
WILMINGTON, DE 19850

(800) 945-2000

THE BANK OF MISSOURI/ MI $0.00 -

Reported: Feb. 23, 2024 Closed
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Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $700

Monthly payment $0

Opened Sep. 06, 2021 (2 yrs, 7 mos)

Payment History

You’ve made 76% of payments for this account on time.

J F M A M J J A S O N D
2024
2023
2022

2021
Current Late Unknown

Last payment Dec. 29, 2022

Current Payment Status 120-149 Days Late

Amount past due $0

Worst Payment Status 120-149 Days Late

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Account Details

Account status Paid

Type Credit Card

Responsibility Individual

Remarks Account closed by consumer

Times 30/60/90 days late 3/1/3

Closed Jan. 10, 2023

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Creditor Information
THE BANK OF MISSOURI/ MI
PO BOX 4499
BEAVERTON, OR 97076

(866) 946-9544

CITICARDS CBNA $824.00 -

Reported: Apr. 08, 2024 Closed

Overview
You're currently using 65% of your account's limit.

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Balance Credit limit

$824 $1270

Monthly payment $29

Opened Nov. 18, 2017 (6 yrs, 4 mos)

Payment History

You’ve made 71% of payments for this account on time.

J F M A M J J A S O N D
2024

2023
2022
2021

Current Late Unknown

Last payment Apr. 06, 2024

Current Payment Status Current

Amount past due $0

Worst Payment Status 120-149 Days Late

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Account Details

Account status Closed

Type Credit Card

Responsibility Authorized User

Remarks Canceled by credit grantor

Times 30/60/90 days late 5/3/6

Closed Aug. 26, 2020

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Creditor Information
CITICARDS CBNA
PO BOX 6217
SIOUX FALLS, SD 57117

COMENITYBANK/WAYFAIR CAR $0.00 -

Reported: Mar. 13, 2021 Closed

Overview
You're currently using 0% of your account's limit.

Balance
Today Credit Cards Loans Credit limit
Money

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$0 $100

Monthly payment $0

Opened Nov. 23, 2018 (5 yrs, 4 mos)

Payment History

You’ve made 85% of payments for this account on time.

J F M A M J J A S O N D
2021

2020
2019

2018

Current Late Unknown

Last payment Jan. 12, 2021

Current Payment Status Current

Amount past due $0

Worst Payment Status 120-149 Days Late

Account Details

Account status Paid

Type Charge account

Responsibility Individual

Remarks Canceled by credit grantor

Times 30/60/90 days late 1/1/2

Closed Sep. 11, 2020

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Creditor Information
COMENITYBANK/WAYFAIR CAR
PO BOX 182789
COLUMBUS, OH 43218

HUNTINGTON NATIONAL BANK $0.00 -

Reported: Feb. 19, 2020 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $1850

Monthly payment $0

Opened May 28, 2018 (5 yrs, 10 mos)

Payment History

You’ve made 70% of payments for this account on time.

J F M A M J J A S O N D
2020
Today Current Credit
Late Unknown Cards Loans Money

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J F M A M J J A S O N D
2019

2018

Current Late Unknown

Last payment Feb. 12, 2020

Current Payment Status Current

Amount past due $0

Worst Payment Status 90-119 Days Late

Account Details

Account status Paid

Type Credit Card

Responsibility Individual

Remarks Settled - less than full balance

Times 30/60/90 days late 2/3/1

Closed Aug. 08, 2019

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Creditor Information
HUNTINGTON NATIONAL BANK
HUNTINGTON BANKS PO BOX 1558
COLUMBUS, OH 43216

(800) 480-2265

SYNCB/AMAZON PLCC $0.00 -

Reported: Feb. 20, 2018 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $320

Monthly payment $0

Opened Nov. 25, 2011 (12 yrs, 4 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2018

2017
2016

2015

Current Late Unknown

Last payment Feb. 27, 2015

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Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Closed

Type Charge account

Responsibility Individual

Remarks Credit card lost or stolen

Times 30/60/90 days late 0/0/0

Closed Apr. 26, 2015

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Creditor Information
SYNCB/AMAZON PLCC
PO BOX 71737
PHILADELPHIA, PA 19176

(866) 634-8379

FIRST MERIT BANK $0.00 -

Reported: Feb. 21, 2016 Closed
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Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $9500

Monthly payment $0

Opened Jun. 27, 2006 (17 yrs, 9 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2016

2015

2014

2013

Current Late Unknown

Last payment Jun. 01, 2015

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

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Account Details

Account status Closed

Type Credit Card

Responsibility Joint

Remarks Credit card lost or stolen

Times 30/60/90 days late 0/0/0

Closed May 29, 2015

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Creditor Information
FIRST MERIT BANK
106 S MAIN ST
AKRON, OH 44308

(888) 554-4362

OTHER LOANS

OPPORTUNITY FINANCIAL $2,377.00 -

Reported: Feb. 29, 2024 Closed

Overview
You have 100% left to pay on this loan.
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Balance Highest Balance

$2377 $2000

Monthly payment $0

Opened Mar. 08, 2022 (2 yrs, 1 mo)

Term 9 months

Payment History

Last payment Sep. 17, 2022

Current Payment Status In Collections/Charge-off

Worst Payment Status No Info

Account Details

Account status Derogatory

Type Unsecured loan

Responsibility Individual

Remarks Charged off as bad debt

Profit and loss write-off

Times 30/60/90 days late 0/0/0

Closed Dec. 31, 2022

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Creditor Information
OPPORTUNITY FINANCIAL
130 EAST RANDOLPH STREET SUITE 3400
CHICAGO, IL 60601

(800) 990-9130

TAB - INTEGRA CREDIT $0.00 -

Reported: Jan. 01, 2023 Closed

Overview
You have 0% left to pay on this loan.

Balance Highest Balance

$0 $2193

Monthly payment $0

Opened Sep. 19, 2022 (1 yr, 6 mos)

Term 17 months

Payment History

Last payment No Info

Current Payment Status In Collections/Charge-off

Worst Payment Status No Info

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Account Details

Account status Derogatory

Type Unsecured loan

Responsibility Individual

Remarks Payment after charge off/collection

Purchased by another lender

Times 30/60/90 days late 0/0/0

Closed Jan. 01, 2023

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Creditor Information
TAB - INTEGRA CREDIT
120 S LASALLE ST SUITE 1600
CHICAGO, IL 60603

(312) 279-1344

NETCREDIT $0.00 -
Reported: Feb. 22, 2024 Closed

Overview
You have 0% left to pay on this loan.
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Balance Highest Balance

$0 $6500

Monthly payment $0

Opened Nov. 02, 2021 (2 yrs, 5 mos)

Term 60 months

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Payment History

You’ve made 31% of payments for this account on time.

J F M A M J J A S O N D
2024

2023
2022

2021

Current Late Unknown

Last payment Feb. 22, 2024

Current Payment Status 120-149 Days Late

Worst Payment Status 120-149 Days Late

Account Details

Account status Derogatory

Type Unsecured loan

Responsibility Individual

Remarks Settled - less than full balance

Times 30/60/90 days late 1/1/16

Closed Feb. 22, 2024

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Creditor Information
NETCREDIT
175 W JACKSON BLVD SUITE 1000
CHICAGO, IL 60604

(877) 392-2014

INTEGRA CREDIT $0.00 -

Reported: Sep. 22, 2022 Closed

Overview
You have 0% left to pay on this loan.

Balance Highest Balance

$0 $1700

Monthly payment $0

Opened May 16, 2022 (1 yr, 11 mos)

Term 17 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2022
Current Late Unknown

Last payment Sep. 20, 2022

Current Payment Status Current

Worst Payment Status Current

Today Credit Cards Loans Money

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Account Details

Account status Refinanced

Type Unsecured loan

Responsibility Individual

Remarks Account closed due to refinance

Times 30/60/90 days late 0/0/0

Closed Sep. 22, 2022

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Creditor Information
INTEGRA CREDIT
120 S LASALLE ST SUITE 1600
CHICAGO, IL 60603

(312) 279-1344

STUDENT LOANS

MOHELA/DEPT OF ED $7,739.00 -
Reported: Jan. 31, 2024 In good standing

Overview
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You have 100% left to pay on this student loan.

Balance Highest Balance

$7739 $7714

Monthly payment $0

Opened Jan. 15, 2024 (3 mos)

Term No Info

Payment History

Last payment No Info

Current Payment Status Current

Worst Payment Status No Info

Account Details

Account status Open

Type Educational

Responsibility Individual

Remarks Payment deferred

Times 30/60/90 days late 0/0/0

Closed No Info

See an error?
SEE AN ERROR?
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If there's an error on your report, you can submit a dispute.

DISPUTE AT TRANSUNION

Creditor Information
MOHELA/DEPT OF ED
633 SPIRIT DRIVE
CHESTERFIELD, MO 63005

(800) 866-4352

OTHER ACCOUNTS

HUNTINGTON NATIONAL BANK $0.00

Reported: Mar. 24, 2024 In good standing

Overview
You have 0% left to pay on this loan.

Balance
$0

Monthly payment $0

Opened Jun. 19, 2021 (2 yrs, 9 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2024

2023
2022

Today Current Late

Credit Unknown Cards Loans Money

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J F M A M J J A S O N D
2021

Current Late Unknown

Last payment Nov. 22, 2022

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Open

Type Line of credit

Responsibility Individual

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
HUNTINGTON NATIONAL BANK
HUNTINGTON BANK PO BOX 1558
COLUMBUS, OH 43216

(800) 480-2265

CBW/CREDITFRESH $0.00
Reported: Feb. 01, 2023 Closed

Overview
You have 0% left to pay on this loan.

Balance
$0

Monthly payment $0

Opened Apr. 11, 2022 (2 yrs)

Payment History

Last payment Oct. 05, 2022

Current Payment Status In Collections/Charge-off

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Worst Payment Status No Info

Account Details

Account status Derogatory

Type Line of credit

Responsibility Individual

Remarks Charged off as bad debt

Transferred to another lender

Times 30/60/90 days late 0/0/0

Closed Dec. 01, 2022

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Creditor Information
CBW/CREDITFRESH
200 CONTINENTAL DRIVE SUITE 401
NEWARK, DE 19713

(800) 766-2007

VERIZON WIRELESS - SOUTH $0.00

Reported: Apr. 30, 2020 Closed

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Overview
You have 0% left to pay on this loan.

Balance
$0

Monthly payment $0

Opened Jun. 17, 2011 (12 yrs, 10 mos)

Payment History

Last payment Apr. 02, 2020

Current Payment Status In Collections/Charge-off

Worst Payment Status No Info

Account Details

Account status Paid

Type Telecommunications/Cellular

Responsibility Individual

Remarks Payment after charge off/collection

Paid collection

Times 30/60/90 days late 0/0/0

Closed Dec. 31, 2019

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Creditor Information
VERIZON WIRELESS - SOUTH
NATIONAL RECOVERY OPERATIONS P.O. BOX 26055
MINNEAPOLIS, MN 55426

(800) 852-1922

Hide closed (2)

Hard Inquiries
When you apply for a new credit account, a hard inquiry will usually get added to your report, which
can make a small dent in your score. Here are the inquiries on your TransUnion report.

JPMCB CARD SERVICES Bank -

Inquiry: Jun. 07, 2023 (800) 453-9719

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Institution Information
JPMCB CARD SERVICES
PO BOX 15077
WILMINGTON, DE
19850
(800) 453-9719

SYNCB/PAYPAL Bank -
Inquiry:
TodayMar. 14, 2023 Credit Cards Loans (844) 373-4961
Money

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Institution Information
SYNCB/PAYPAL
PO BOX 965005
ORLANDO, FL
32896
(844) 373-4961

FIRST PREMIER BANK Bank -

Inquiry: Dec. 20, 2022 (605) 357-3440

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Find out how to dispute a hard inquiry

Institution Information
FIRST PREMIER BANK
3820 N LOUISE AVE
SIOUX FALLS, SD
57104
(605) 357-3440

TAB/ INTEGRA CREDIT Finance/Personal -

Inquiry: Sep. 19, 2022 (800) 737-9762

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Institution Information
TAB/ INTEGRA CREDIT
200 W JACKSON BLVD STE 500
CHICAGO, IL
60606
(800) 737-9762

FIRST PREMIER BANK Bank -

Inquiry: Sep. 16, 2022 (605) 357-3440

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Find out how to dispute a hard inquiry

Institution Information
FIRST PREMIER BANK
3820 N LOUISE AVE
SIOUX FALLS, SD
57104
(605) 357-3440

BANK OF AMERICA Bank -

Inquiry: Jun. 10, 2022 (800) 269-3084

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Find out how to dispute a hard inquiry

Institution Information
BANK OF AMERICA
70 BATTERSON PARK CT2 515 BB 20
FARMINGTON, CT
06032
(800) 269-3084

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TAB/ INTEGRA CREDIT Finance/Personal -

Inquiry: May 16, 2022 (800) 737-9762

See an error?
Find out how to dispute a hard inquiry

Institution Information
TAB/ INTEGRA CREDIT
200 W JACKSON BLVD STE 500
CHICAGO, IL
60606
(800) 737-9762

CAPITAL ONE Bank -

Inquiry: Apr. 25, 2022 (800) 955-7070

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Find out how to dispute a hard inquiry

Institution Information
CAPITAL ONE
15000 CAPITAL ONE
RICHMOND, VA
23238
(800) 955-7070

Collections
If you've fallen behind on payments, your account could be sent to a collections agency. This can
have a big impact on your credit score.

Clean slate! As of Apr. 17, 2024, you have no collection accounts on your credit report.
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Public Records
Things like bankruptcies and legal judgments against you can show up on your credit report and do
some damage to your score.

Lookin' good! As of Apr. 17, 2024, you have no public records on your report.

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