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Apr 12, 2024

BENJAMIN C HAYES
680
Calculated using VantageScore 3.0
Provided by TransUnion

Personal Information
NAMES REPORTED

BENJAMIN C HAYES
HAYES,BENJMIN,C

EMPLOYMENT INFO

MB HAYES LLC

OWNER OPERATOR TRUCKING COMPAN

ADDRESSES REPORTED

388 CLARIDGE CI
BOLINGBROOK, IL
60440

1717 N MAYFIELD AV
CHICAGO, IL
60639

3260 83RD ST
WOODRIDGE, IL
60517

Accounts
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Here's every account on your TransUnion report. Click on the account name for more details.

See an error?

You can submit a dispute without leaving Credit Karma. Look for Direct Dispute™ in the details of the
account.

CREDIT CARDS

CAPITAL ONE $0.00 -

Reported: Apr. 06, 2024 In good standing

Overview

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

Balance Credit limit

$0 $300

Monthly payment $0

Opened Mar. 09, 2022 (2 yrs, 1 mo)

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
Current Late Unknown

Last payment No Info

Current Payment Status Current

Amount past due $0

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Worst Payment Status Current

Account Details

Account status Open

Type Credit Card

Responsibility Individual

Remarks No Info

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

Closed No Info

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SEE AN ERROR?
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Creditor Information
CAPITAL ONE
PO BOX 31293
SALT LAKE CITY, UT 84131

(800) 955-7070

USAA FEDERAL SAVINGS BAN $0.00 -

Reported: Apr. 05, 2024 In good standing

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

Balance Credit limit

$0 $250

Monthly payment $0

Opened May 02, 2018 (5 yrs, 11 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

2021

Current Late Unknown

Last payment Apr. 02, 2024

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

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Account Details

Account status Open

Type Secured credit card

Responsibility Individual

Remarks No Info

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

Closed No Info

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SEE AN ERROR?
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Creditor Information
USAA FEDERAL SAVINGS BAN
10750 MCDERMOTT
SAN ANTONIO, TX 78288

(800) 922-9092

JPMCB CARD SERVICES $301.00 -

Reported: Apr. 05, 2024 In good standing

Overview
You're currently using 5% of your account's limit.

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Balance Credit limit

$301 $5500

Monthly payment $40

Opened Dec. 06, 2023 (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
2024

Current Late Unknown

Last payment Apr. 02, 2024

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Open

Type Flexible spending credit card

Responsibility Individual

Remarks No Info

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

Closed No Info

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

(800) 945-2000

JPMCB CARD SERVICES $0.00 -

Reported: Apr. 02, 2024 In good standing

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

Balance Credit limit

$0 $2200

Monthly payment $0

Opened Dec. 04, 2021 (2 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
Today Current Late
Credit Unknown Cards Loans Money

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

2023
2022

Current Late Unknown

Last payment Apr. 02, 2024

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Open

Type Flexible spending credit card

Responsibility Authorized User

Remarks No Info

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

Closed No Info

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

DISPUTE AT TRANSUNION

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

(800) 945-2000

CAPITAL ONE $0.00 -

Reported: Feb. 12, 2024 In good standing

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

Balance Credit limit

$0 $4500

Monthly payment $0

Opened May 15, 2018 (5 yrs, 11 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

2021

Current Late Unknown

Last payment Jan. 05, 2024

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Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Open

Type Credit Card

Responsibility Terminated

Remarks No Info

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

Closed No Info

See an error?
DIRECT DISPUTE™
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Karma.

DISPUTE AN ERROR

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

(800) 955-7070

AMERICAN EXPRESS $0.00 -

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Reported: Aug. 08, 2023 Closed

Overview

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

Balance Credit limit

$0 No Info

Monthly payment $0

Opened Oct. 06, 2022 (1 yr, 6 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
2023

2022

Current Late Unknown

Last payment No Info

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 Terminated

Remarks No Info

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

Closed Jul. 14, 2023

See an error?
SEE AN ERROR?
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Creditor Information
AMERICAN EXPRESS
P.O. BOX 981537
EL PASO, TX 79998

(800) 874-2717

AMERICAN EXPRESS $0.00 -

Reported: Aug. 07, 2023 Closed

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

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Balance Credit limit

$0 No Info

Monthly payment $0

Opened Nov. 05, 2020 (3 yrs, 5 mos)

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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
2023

2022
2021

Current Late Unknown

Last payment No Info

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Closed

Type Credit Card

Responsibility Terminated

Remarks No Info

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

Closed Jul. 14, 2023

See an error?
DIRECT DISPUTE™
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DISPUTE AN ERROR

Creditor Information
AMERICAN EXPRESS
P.O. BOX 981537
EL PASO, TX 79998

(800) 874-2717

JPMCB CARD SERVICES $0.00 -

Reported: Mar. 03, 2023 Closed

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

Balance Credit limit

$0 $2300

Monthly payment $0

Opened Oct. 20, 2020 (3 yrs, 5 mos)

Payment History

You’ve made 89% of payments for this account on time.

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

2021
2020

Current Late Unknown

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Last payment Mar. 03, 2023

Current Payment Status Current

Amount past due $0

Worst Payment Status 90-119 Days Late

Account Details

Account status Paid

Type Flexible spending credit card

Responsibility Individual

Remarks Canceled by credit grantor

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

Closed Nov. 21, 2022

See an error?
SEE AN ERROR?
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Creditor Information
JPMCB CARD SERVICES
PO BOX 15369
WILMINGTON, DE 19850

(800) 945-2000

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CAPITAL ONE $0.00
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Reported: Feb. 10, 2023 Closed

-

Overview

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

Balance Credit limit

$0 $3000

Monthly payment $0

Opened Dec. 03, 2021 (2 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
2023
2022

Current Late Unknown

Last payment Jul. 18, 2022

Current Payment Status Current

Amount past due $0

Worst Payment Status 60-89 Days Late

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Account Details

Account status Paid

Type Business Credit Card

Responsibility Individual

Remarks Canceled by credit grantor

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

Closed Jan. 14, 2023

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

DISPUTE AT TRANSUNION

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

(800) 955-7070

COMENITYBANK/ JARED THE $0.00 -

Reported: Dec. 18, 2021 Closed

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

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Balance Credit limit

$0 $4500

Monthly payment $0

Opened May 12, 2018 (5 yrs, 11 mos)

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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
2021

2020

2019
2018

Current Late Unknown

Last payment Nov. 09, 2018

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Paid

Type Charge account

Responsibility Individual

Remarks Canceled by credit grantor

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

Closed Nov. 17, 2021

See an error?
DIRECT DISPUTE™
If there's an error on your report, you can submit a dispute without leaving Credit
Karma.
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DISPUTE AN ERROR

Creditor Information
COMENITYBANK/ JARED THE
PO BOX 182789
COLUMBUS, OH 43218

Hide closed (5)

OTHER ACCOUNTS

MONTEREY FINL SVCS $0.00

Reported: Aug. 21, 2020 Closed

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

Balance
$0

Monthly payment $0

Opened Jul. 29, 2020 (3 yrs, 8 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
Current Late Unknown
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J F M A M J J A S O N D
2020

Current Late Unknown

Last payment Aug. 06, 2020

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Closed

Type Lease

Responsibility Individual

Remarks Closed

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

Closed Aug. 21, 2020

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DIRECT DISPUTE™
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Creditor Information
MONTEREY FINL SVCS
4095 AVENIDA DE LA PLATA
OCEANSIDE, CA 92056

(760) 639-3510

MONTEREY FINL SVCS $0.00

Reported: Jun. 05, 2020 Closed

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

Balance
$0

Monthly payment $0

Opened Mar. 12, 2020 (4 yrs, 1 mo)

Payment History

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

Today J F Credit
M A M J
Cards J A S
Loans O N D Money

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J F M A M J J A S O N D
2020

Current Late Unknown

Last payment May 22, 2020

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Closed

Type Lease

Responsibility Individual

Remarks Account information disputed by consumer, meets FCRA requirements

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

Closed Jun. 05, 2020

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Creditor Information
MONTEREY FINL SVCS
4095 AVENIDA DE LA PLATA
OCEANSIDE, CA 92056

(760) 639-3510

MONTEREY FINL SVCS $0.00

Reported: Feb. 29, 2020 Closed

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

Balance
$0

Monthly payment $0

Opened Feb. 17, 2020 (4 yrs, 1 mo)

Payment History

Last payment Feb. 24, 2020

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Current Payment Status Current

Worst Payment Status No Info

Account Details

Account status Closed

Type Lease

Responsibility Individual

Remarks Closed

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

Closed Feb. 29, 2020

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Creditor Information
MONTEREY FINL SVCS
4095 AVENIDA DE LA PLATA
OCEANSIDE, CA 92056

(760) 639-3510

ACCEPTANCENOW $0.00
Reported: Jun. 25, 2018 Closed
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Overview
You have 0% left to pay on this loan.

Balance
$0

Monthly payment $0

Opened Apr. 22, 2018 (5 yrs, 11 mos)

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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

Current Late Unknown

Last payment Jun. 25, 2018

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Closed

Type Rental agreement

Responsibility Joint

Remarks Closed

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

Closed Jun. 25, 2018

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DIRECT DISPUTE™
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Creditor Information
ACCEPTANCENOW
5501 HEADQUARTERS DRIVE
PLANO, TX 75024

(800) 275-2696

ACCEPTANCENOW $0.00
Reported: Apr. 22, 2018 Closed

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

Balance
$0

Monthly payment $0

Opened Feb. 09, 2018 (6 yrs, 2 mos)

Payment History

Last payment Apr. 22, 2018

Current Payment Status Current

Worst Payment Status No Info

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Account Details

Account status Closed

Type Rental agreement

Responsibility Joint

Remarks Closed

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

Closed Apr. 22, 2018

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Creditor Information
ACCEPTANCENOW
5501 HEADQUARTERS DRIVE
PLANO, TX 75024

(800) 275-2696

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.

CB INDIGO Bank -
Inquiry: Apr. 12, 2024 (866) 946-9545
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See an error?
Find out how to dispute a hard inquiry

Institution Information
CB INDIGO
PO BOX 4499
BEAVERTON, OR
97076
(866) 946-9545

CAPITAL ONE Bank -

Inquiry: Mar. 14, 2024 (800) 955-7070

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

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

JPMCB CARD SERVICES Bank -

Inquiry: Dec. 06, 2023 (800) 453-9719

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

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

JPMCB CARD SERVICES Bank -

Inquiry: Dec. 06, 2023 (800) 453-9719

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

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

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.

SECURITY CREDIT SERVICES $239.00 -

Reported: Apr. 08, 2024 Needs Attention

Overview
You have 100% left to pay on this collection.

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Balance Highest Balance

$239 $239

Opened Jan. 03, 2024 (3 mos)

Account status Open

Type Derogatory

Responsibility Individual

Remarks Placed for collection

Original Creditor Name 12 CREDOVA FINANCIAL LLC

Closed No Info

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

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Creditor Information
SECURITY CREDIT SERVICES
306 ENTERPRISE DRIVE
OXFORD, MS 38655

(866) 699-7889

PORTFOLIO RECOVERY $756.00 -

Reported: Mar. 19, 2024 Needs Attention

Today
Overview Credit Cards Loans Money

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You have 100% left to pay on this collection.

Balance Highest Balance

$756 $756

Opened Oct. 17, 2023 (5 mos)

Account status Open

Type Derogatory

Responsibility Individual

Remarks Placed for collection

Original Creditor Name 08 SYNCHRONY BANK

Closed No Info

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Creditor Information
PORTFOLIO RECOVERY
120 CORPORATE BOULEVARD SUITE 100
NORFOLK, VA 23502

(844) 675-3407

Public Records
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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. 12, 2024, you have no public records on your report.

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