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Credit Report - IdentityIQ
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Three Bureau Credit Report
One Bureau Credit Report
Reference #:
M63154505
Report Date:
Customer Statement
TransUnion: -
Experian: -
Equifax: -
Personal Information
Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details.
TransUnion Experian Equifax
Credit Report Date: 04/29/2025 - 04/29/2025 - 04/29/2025 -
Name:
MICHAEL JENKINS -
MICHAEL JENKINS -
MICHAEL JENKINS -
Also Known As:
JENKINS,MICHAEL,B - - -
Former: - - -
Date of Birth:
12/3/1982 -
1982 -
12/3/1982 -
Current Address(es):
1215 CAMPBELL AV
LYNCHBURG, VA
24501 -
2236 HALIFAX AVE
LYNCHBURG, VA
24501-6425
04/2025 -
1215 CAMPBELL AVE
LYNCHBURG, VA
24501 -
Previous Address(es):
86 ENGLISH COMMONS DR
LYNCHBURG, VA
24501
1003 MISTY MOUNTAIN RD 811
LYNCHBURG, VA
24502 -
1003 MISTY MOUNTAIN RD
LYNCHBURG, VA
24502-4049
10/2021
1215 CAMPBELL AVE
LYNCHBURG, VA
24501-2815
02/2025 - -
Employers:
MJ CARRIER DELIVERY LLC
SELFEMPLOYED
-
MJ CARRIER DELIVERY LL
- -
Credit Score Back to Top
Your Credit Score is a representation of your overall credit health. Most lenders utilize some form of credit scoring to help determine your credit worthiness.
TransUnion Experian Equifax
Credit Score: 567 621 560
Lender Rank: Unfavorable Fair Unfavorable
Score Scale: 300-***-***-*** 300-850
Risk Factors
TransUnion:
You have too few credit accounts The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Your credit file does not have enough credit behavior information about your loans. A mix of different types of open and active credit accounts can have a positive impact on your credit score.
The balances on your accounts are too high compared to loan amounts The balances on your accounts are high compared to the original loan amounts, lowering your score.
Balances on bankcard or revolving accounts too high compared to credit limits Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. You have bankcard or revolving accounts in your credit file with balances that are high compared to the credit limit on the account, which is a proven indicator of increased risk.
The date that you opened your oldest account is too recent Your oldest account is still too recent. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced managing credit.
Experian:
You have too few credit accounts
The balances on your accounts are too high compared to loan amounts
The date that you opened your oldest account is too recent
You have too many inquiries on your credit report
Equifax:
The score(s) on your IdentityIQ credit report (using the VantageScore® 3.0 model) are provided as a tool to help you understand how lenders may view the data contained in your credit reports and evaluate your credit risk. We provide these scores solely for educational purposes. IdentityIQ does not offer credit; delivery of these scores does not qualify you for any loan. The scoring model your lender uses may be different than the VantageScore® 3.0. As a result, the score and score factors we have delivered may show differences when compared to the score and score factors produced by your lender's scoring model. Please also understand that lenders use multiple sources of information when underwriting a loan and making lending decisions. Credit scores are just one factor that may be used and each lender will have different criteria they consider.
IdentityIQ provides informational materials along with your credit report(s) and score(s) these materials are educational in nature and intended to broaden your understanding of how credit scoring works. They should not be construed as advice in handling your financial problems or making financial decisions. If you are having trouble keeping up with your bill payments or experiencing other financial difficulties, please contact a non-profit credit counseling service for assistance. These materials are for educational purposes only.
Summary Back to Top
Below is an overview of your present and past credit status including open and closed accounts and balance information.
TransUnion Experian Equifax
Total Accounts: 2 2 1
Open Accounts: 2 2 1
Closed Accounts: 0 0 0
Delinquent: 0 0 0
Derogatory: 0 0 0
Collection: 0 0 0
Balances: $408.00 $366.00 $366.00
Payments: $30.00 $30.00 $30.00
Public Records: 0 0 0
Inquiries(2 years): 7 9 1
Account History Back to Top Top
Information on accounts you have opened in the past is displayed below.
BBY/CBNA
TransUnion Experian Equifax
Account #: 603********* 603*********
Account Type: Revolving Revolving
Account Type - Detail: Charge account Charge account
Bureau Code: Authorized User Authorized User
Account Status: Open Open
Monthly Payment: $0.00 $0.00
Date Opened: 12/13/2020 12/01/2020
Balance: $0.00 $0.00
No. of Months (terms): 0 0
High Credit: $1,436.00 $1,436.00
Credit Limit: $5,000.00 $5,000.00
Past Due: $0.00 $0.00
Payment Status: Current Current
Last Reported: 04/11/2025 04/12/2025
Comments: - -
Date Last Active: 04/07/2025 04/01/2025
Date of Last Payment: 04/07/2025 04/07/2025
Two-Year payment history Legend
Month Apr A Mar M Feb F Jan J Dec D Nov N Oct O Sep S Aug A Jul J Jun J May M Apr A Mar M Feb F Jan J Dec D Nov N Oct O Sep S Aug A Jul J Jun J May M
Year **-**-**-**-**-** **-**-**-**-**-** **-**-**-**-**-** **-**-**-**-**-**
TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Equifax
CREDITONEBNK
TransUnion Experian Equifax
Account #: 470********* 470********* 470*********
Account Type: Revolving Revolving Revolving
Account Type - Detail: Credit Card Credit Card Credit Card
Bureau Code: Individual Individual Individual
Account Status: Open Open Open
Monthly Payment: $30.00 $30.00 $30.00
Date Opened: 02/16/2025 02/01/2025 02/01/2025
Balance: $408.00 $366.00 $366.00
No. of Months (terms): 0 0 0
High Credit: $428.00 $428.00 $0.00
Credit Limit: $400.00 $400.00 $400.00
Past Due: $0.00 $0.00 $0.00
Payment Status: Current Current Current
Last Reported: 03/27/2025 04/27/2025 04/01/2025
Comments: - -
Credit card
Amount in H/C column is credit limit
Date Last Active: 03/27/2025 04/01/2025 04/01/2025
Date of Last Payment: 03/24/2025 04/06/2025 04/01/2025
Two-Year payment history Legend
Month Apr A Mar M Feb F Jan J Dec D Nov N Oct O Sep S Aug A Jul J Jun J May M Apr A Mar M Feb F Jan J Dec D Nov N Oct O Sep S Aug A Jul J Jun J May M
Year **-**-**-**-**-** **-**-**-**-**-** **-**-**-**-**-** **-**-**-**-**-**
TransUnion OK
Experian OK OK OK
Equifax OK OK
Inquiries
Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years.
Creditor Name Type of Business Date of inquiry Credit Bureau
FIRST TECH FCU Credit Unions 04/15/2025 Experian
ONEMAIN Personal Loan Companies 03/11/2025 Experian
ONEMAIN Personal Loan Companies 03/11/2025 TransUnion
CREDIT ONE BANK NA Bank Credit Cards 02/14/2025 Experian
ONEMAIN Personal Loan Companies 02/10/2025 Experian
ONEMAIN Personal Loan Companies 02/06/2025 Experian
ONEMAIN Personal Loan Companies 02/06/2025 TransUnion
VAFCU - 02/05/2025 Equifax
CAP ONE NA Bank Credit Cards 11/18/2024 Experian
CAPITAL ONE Bank Credit Cards 11/18/2024 TransUnion
ALLY FINANCIAL Auto Financing 11/04/2024 Experian
GLOBAL LENDING SERVICE Auto Financing 11/04/2024 Experian
LENTEGRITY Miscellaneous Finance 11/04/2024 TransUnion
CAPITAL ONE AUTO FIN Auto Financing 11/02/2024 Experian
COAF Auto Financing 11/02/2024 TransUnion
OLD POINT NA Auto Loans 11/02/2024 TransUnion
WFBNA CARD Bank Credit Cards 10/18/2024 TransUnion
Public Information Back to Top Top
Below is an overview of your public records and can include details of bankruptcy filings, court records, tax liens and other monetary judgments. Public records typically remain on your Credit Report for 7 - 10 years.
None Reported
Creditor Contacts Back to Top Top
Information about how to contact people and/or organizations that appear on this credit report is listed below.
Creditor Name Address Phone Number
CAPITAL ONE VIA DEALER PO BOX 259407
PLANO, TX 75025 800-***-****
CAPITAL ONE 15000 CAPITAL ONE
RICHMOND, VA 23238 800-***-****
OLD POINT NATIONAL BANK 101 E QUEEN ST
HAMPTON, VA 23669 757-***-****
LENTEGRITY LLC 27442 PORTOLA PARK
FOOTHILL RANCH, CA 92610 909-***-****
WELLS FARGO CARD SERV PO BOX 14517
DES MOINES, IA 50306 800-***-****
ONEMAIN FINANCIAL P.O. BOX 3327
EVANSVILLE, IN 47706 844-***-****
CREDIT ONE BANK PO BOX 98872
LAS VEGAS, NV 89193 877-***-****
BEST BUY/CBNA PO BOX 6497
SIOUX FALLS, SD 57117 -
ONEMAIN PO BOX 1010
EVANSVILLE, IN 47706 844-***-****
NATIONAL DEBT RELIEF L 11 BROADWAY RM 1732
NEW YORK, NY 10004 888-***-****
GLOBAL LENDING SERVICE 3399 PEACHTREE RD NE STE
ATLANTA, GA 30326 888-***-****
FIRST TECH FCU 2702 ORCHARD PKWY
SAN JOSE, CA 95134 877-***-****
CREDIT ONE BANK NA PO BOX 98875
LAS VEGAS, NV 89193 702-***-****
CAPITAL ONE AUTO FIN PO BOX 259407
PLANO, TX 75025 800-***-****
CAP ONE NA PO BOX 30281
SALT LAKE CITY, UT 84130 800-***-****
BEST BUY/CBNA 50 NORTHWEST POINT ROAD
ELK GROVE VILLAGE, IL 60007 -
ALLY FINANCIAL 200 RENAISSANCE CTR
DETROIT, MI 48243 248-***-****
Legend
OK
Current
No Data Provided*
No Data Provided
30
30 Days Late
60
60 Days Late
90
90 Days Late
120
120 Days Late
150
150 Days Late
180
180 Days Late
CO
Chargeoff or Collection
RF
Repossession or Foreclosure
PP
Payment Plan
VS
Voluntary Surrender
*Sometimes the credit bureaus do not have information from a particular month on file.
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