Prepared For
ARTIS A. RICHARDSON
Personal & con,dential
Date generated: Apr 25, 2021
At a glance
FICO® Score 8
!
665 TransUnion data Apr 25, 2021
300 850
Fair
Account summary Overall credit usage Debt summary
Open accounts 3 Credit card and credit line debt $192
Accounts ever late 0 Loan debt $8,900
Closed accounts 0 Collections debt $0
Collections 0
64 % Total debt $9,092
Average account age 8 mos
Oldest account 1 yr 8 mos
Credit used: $192
Credit limit: $300
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Prepared For ARTIS A. RICHARDSON Date generated: Apr 25, 2021
Personal information
Name Addresses Employers
ARTIS ANTONIO RICHARDSON 3152 BRIARCLIFF RD G DICKS SPORTING GOODS
ATLANTA, GA 30329
Also known as
- 1560 WOODLAND CI
ATLANTA, GA 30316
Generational identi,er
- 4595 WASHINGTON RD
ATLANTA, GA 30349
Year of birth
1994
Personal statements
No Statement(s) present at this time
:
Prepared For ARTIS A. RICHARDSON Date generated: Apr 25, 2021
Open accounts
BRIDGECREST $8,900
Exceptional payment history Balance updated Mar 31, 2021
" Account info
Account name BRIDGECREST Balance $8,900
Account number 103021XXXXXX Balance updated Mar 31, 2021
Original creditor - Original balance $11,048
Company sold - Paid off 19%
Account type Installment account Monthly payment $364
Date opened Aug 20, 2019 Past due amount $0
Open/closed Open Terms 57 Months
Status Paid or paying as agreed Responsibility Joint account
Status updated Mar 2021 Your statement -
# Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021 ! ! — — — — — — — — — —
2020 ! ! ! ! ! ! ! ! ! ! ! !
2019 — — — — — — — ! ! ! ! !
! On Time — Data Unavailable
$ Contact info
Address PO BOX 29018 PHOENIX,
AZ 85038
Phone number (800) 843-3825
% Comments
-
:
Prepared For ARTIS A. RICHARDSON Date generated: Apr 25, 2021
CHIME-STRIDE $0
Exceptional payment history Balance updated Mar 31, 2021
" Account info
Account name CHIME-STRIDE Balance $0
Account number 237118XX Balance updated Mar 31, 2021
Original creditor - Credit limit -
Company sold - Credit usage -
Account type Open account Monthly payment -
Date opened Dec 08, 2020 Past due amount $0
Open/closed Open Highest balance $0
Status Paid or paying as agreed Terms -
Status updated Mar 2021 Responsibility Individual account
Your statement -
# Payment history
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021 ! ! — — — — — — — — — —
! On Time — Data Unavailable
$ Contact info
Address PO BOX 417 SAN FRANCISCO,
CA 94104
Phone number (844) 244-6363
% Comments
-
:
Prepared For ARTIS A. RICHARDSON Date generated: Apr 25, 2021
FST PREMIER $192
Unknown payment history Balance updated Apr 21, 2021
" Account info
Account name FST PREMIER Balance $192
Account number 517800XXXXXX Balance updated Apr 21, 2021
Original creditor - Credit limit $300
Company sold - Credit usage 64%
Account type Revolving account Monthly payment $30
Date opened Apr 19, 2021 Past due amount $0
Open/closed Open Highest balance $192
Status Paid or paying as agreed Terms -
Status updated Apr 2021 Responsibility Individual account
Your statement -
# Payment history
No payments have been reported on this account.
$ Contact info
Address 3820 N LOUISE AVE SIOUX FALLS,
SD 57107
Phone number (800) 987-5521
% Comments
-
:
Prepared For ARTIS A. RICHARDSON Date generated: Apr 25, 2021
Closed accounts
No closed accounts reported.
:
Prepared For ARTIS A. RICHARDSON Date generated: Apr 25, 2021
Collection accounts
No collection accounts reported.
:
Prepared For ARTIS A. RICHARDSON Date generated: Apr 25, 2021
Public records
No public records reported.
:
Prepared For ARTIS A. RICHARDSON Date generated: Apr 25, 2021
Inquiries
COAF WESTERN RPT
Inquired on Feb 3, 2021 Inquired on Jul 14, 2020
Business Type: Finance, personal Business Type: Miscellaneous and public record
3905 N DALLAS PARK 8789 S. HIGHLAND D SUITE 300
PLANO, TX 75093 SANDY, UT 84093
(800) 946-0332 (801) 308-0005
This inquiry is scheduled to continue on record until Mar 2023 This inquiry is scheduled to continue on record until Aug 2022
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Prepared For ARTIS A. RICHARDSON Date generated: Apr 25, 2021
Credit scores
FICO® Score 8
Go o d
ir 9 Ve
Fa - 66 ry
Go
80 o
5
d
665
Your score is below the average score of U.S. consumers, though many lenders will approve loans with this
score.
Ex
cep
Poor
tional
300 850
TransUnion data 4/25/2021
What's helping
& No missed payments
You have no missed payments on your credit accounts.
Number of your accounts with a missed payment or derogatory indicator: 0 accounts
About 98% of FICO High Achievers have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average.
The FICO® Score evaluates if there are any missed payments being reported. Staying current and paying bills on time demonstrate lower credit risk.
& 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.
What's hurting
' Short account history
You have a short credit history.
Your oldest account was opened: 1 Year, 8 Months ago
FICO High Achievers opened their oldest account 25 years ago, on average.
Average age of your accounts: 8 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.
' High credit usage
You've made heavy use of your available revolving credit.
Ratio of your revolving balances to your credit limits: 64%
For FICO High Achievers, the average ratio of the revolving account balances to credit limits is less than 7%.
The FICO® Score evaluates balances in relation to available credit on revolving accounts. The extent of a person's credit usage is one of the most important factors considered by a FICO® Score. People
who keep their ratio of balances to credit limits lower are generally considered less risky to lenders than those with higher ratios. Note, consolidating or moving debt from one account to another will
usually not change the total amount owed.
' Short revolving history
You have not established a long revolving and/or open-ended account credit history.
Your ,rst revolving and/or open-ended account was opened: 4 Months ago
FICO High Achievers opened their ,rst revolving and/or open-ended account 25 years ago, on average.
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest revolving and/or open-ended account and/or the average
age of your revolving and/or open-ended accounts is relatively low.
:
' Accounts with balances
You have too many credit accounts with balances.
Number of your accounts carrying a balance: 2 accounts
FICO High Achievers have an average of 3 credit accounts carrying a balance.
The FICO® Score considers the number of accounts on a credit report showing a balance. Generally speaking, carrying fewer accounts with balances is considered less risky. Your credit report may show
a balance on credit cards even if they're paid in full each month. The total balance of the last statement is typically the amount shown on a credit report.
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Prepared For ARTIS A. RICHARDSON Date generated: Apr 25, 2021
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 ,le 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-speci,c 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-speci,c FICO®
Score models.
Base FICO® Scores (including the FICO® Score 8) range from 300 to 850. Industry-speci,c 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 bene,ts 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-
speci,c FICO® Scores provided by us, or different scoring models to determine how you score.
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