VantageScore 3.0: 638

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1 Business Owner Profile - EVELYN ARPE Subcode: 5636 Ordered: 03/24/ :31:09 CST Transaction Number: C Search Inquiry: Evelyn Arpe/1419 Center Dr/Stephenville/TX/6401 Identifying Information EVELYN ARPE 1419 CENTER DR STEPHENVILLE, TX CN DR STEPHENVILLE, TX ROSEBUD DR STEPHENVILLE, TX SSN: YOB: 1958 Employer: MUNA Updated: 10/2012 SELF COMP Updated: 04/2010 Executive Summary and Legal Filings Summary Legal Filings Total legal filings: 4 Delinquent Information Past due amount: $0 In dispute: 0 Inquiries Total number of inquiries: 6 Inquiries previous 6 months: 2 Information payments: $556 loan balance: (4) $1,022 Revolving charge balance: (14) $2,592 Revolving credit percent available: 44% Real Estate loan balance: N/A VantageScore 3.0 VantageScore 3.0: 638 Risk Category Score Range Super Prime Prime Near Prime Subprime Deep Subprime Negative Score Factors HERE IS A BANKRUPTCY ON YOUR CREDIT REPORT LACK OF SUFFICIENT CREDIT HISTORY TOO FEW OF YOUR BANK CARD OR OTHER REVOLVING ACCOUNTS HAVE HIGH LIMITS BALANCES ON BANKCARD/REVOLVING ACCTS TOO HIGH COMPARED TO CREDIT LIMITS Trade Status Delinquency Detail Oldest trade opened 04/1996 Paid trades 4 Satisfactory trades 11 Previously delinquent/derogatory 5 Presently delinquent/derogatory 2 Total trades Satisfactory 1 30 days past due 0 60 days past due days past due Consumer Statement Disputes and Supplemental Data Related to Transactional Information 04& CONSUMER COMMENT TEXT PRESENT OFAC Warning OFAC Warning Summary NAME DOES NOT MATCH OFAC/PLC/FSE LIST Business Owner Profile - EVELYN ARPE 1/

2 Legal Filings Bankruptcies Filed Reference No Court Plaintiff Status 11/21/ DSK US BKPT CT TN MEMPHIS Bankruptcy chapter -discharged 03/0/ US BKPT CT TN MEMPHIS 10/13/ US BKPT CT TN MEMPHIS Bankruptcy Chapter 13-petition filed Bankruptcy Chapter 13-petition filed Judgments Filed Reference No Court Plaintiff Status 11/01/ SHELBY GENERAL SESS CT $3,544 DILLARD NATIONAL BANK Judgment Inquiries Inquiry Details Account Type Inquiry WEBBANK/DFS Unknown - Credit Extension, Review, Or Collection 09/28/2015 CAPITALONE Unknown - Credit Extension, Review, Or Collection 09/21/2015 COMENITY BANK/VCTRSSEC Unknown - Credit Extension, Review, Or Collection 05/08/2015 CREDIT ONE BANK NA Unknown - Credit Extension, Review, Or Collection 02/28/2015 PHILLIPS & COHEN ASSOC Collection Department/Agency/Attorney 06/03/2014 FACTUAL DATA Real Estate Specific Type Unknown 01/28/2014 Trade Information Trade Experience / CAPITAL ONE BANK USA N Revolving 09/ /15/2012 $1,148 Status: Debt included in or discharged through Bankruptcy Chapter, 11, or 12 ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST Indicator (current month 03/2012): Collections, charge-off or bankruptcy 24 Month History Click here for legend C C C C C C C C C C C C C C C C C C C C / CAPITAL ONE BANK USA N Revolving 0/ /15/2012 $24 Status: Debt included in or discharged through Bankruptcy Chapter, 11, or 12 ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST Indicator (current month 03/2012): Collections, charge-off or bankruptcy 24 Month History Click here for legend C C C C Business Owner Profile - EVELYN ARPE 2/

3 / CHASE CARD Revolving 08/ /21/2013 $1,240 Credit Limit: $1,182 Status: Debt included in or discharged through Bankruptcy Chapter, 11, or 12 TRANSFERRED TO ANOTHER LENDER Indicator (current month 11/2013): Collections, charge-off or bankruptcy 24 Month History Click here for legend Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov B B C / CAPITAL ONE BANK USA N Revolving 08/ /08/2015 $1,164 Status: Debt included in or discharged through Bankruptcy Chapter, 11, or 12 ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST Indicator (current month 05/2015): Collections, charge-off or bankruptcy 24 Month History Click here for legend Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May / CAPITAL ONE BANK USA N Revolving 04/ /08/2015 $326 Status: Debt included in or discharged through Bankruptcy Chapter, 11, or 12 ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST Indicator (current month 05/2015): Collections, charge-off or bankruptcy 24 Month History Click here for legend Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May / APPLIED BANK Revolving 0/ /0/ /15/2011 $0 Credit Limit: $1,50 Status: Debt included in or discharged through Bankruptcy Chapter 13 Indicator (current month 04/2012): Chapter 13 Bankruptcy (Petitioned, Discharged, Reaffirmation of debt rescinded) 24 Month History Click here for legend Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr C C C C C C C C C C C C C C C C C C / CAP ONE Revolving 11/ /08/2011 $521 Business Owner Profile - EVELYN ARPE 3/

4 Credit Limit: $521 Status: Debt included in or discharged through Bankruptcy Chapter 13 TRANSFERRED TO ANOTHER LENDER Indicator (current month 10/2011): Chapter 13 Bankruptcy (Petitioned, Discharged, Reaffirmation of debt rescinded) 24 Month History Click here for legend Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct C C C C C C C C C C / WM FINANCE 08/ /28/2013 Original Loan : $2,268 Trade Category: Personal Loan Companies Status: Account transferred to another office ACCOUNT CLOSED DUE TO TRANSFER OR REFINANCE Indicator (current month 09/2013): Account condition change, payment code not applicable 24 Month History Click here for legend Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep / WM FINANCE 08/ /28/2010 Original Loan : $2,268 Trade Category: Personal Loan Companies Status: Account transferred to another office Indicator (current month 03/2010): Account condition change, payment code not applicable 24 Month History Click here for legend / COLONY SHOP Revolving 11/2002 0/20/ /26/2003 Credit Limit: $482 Trade Category: Department And Variety Stores - Non-Specific Status: This is an account in good standing ACCOUNT CLOSED AT CONSUMER'S REQUEST Indicator (current month 0/2011): Account condition change, payment code not applicable 24 Month History Click here for legend Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul / CAPITAL ONE AUTO FINAN 06/ /28/ /08/2015 Original Loan : $,923 Business Owner Profile - EVELYN ARPE 4/

5 Trade Category: Automobile Financing Company Status: Account/paid satisfactorily Indicator (current month 10/2015): Account condition change, payment code not applicable 24 Month History Click here for legend Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct C C C C C C C C - - C C C C C C GM FINANCIAL 09/2015 Open Original Loan : $1,186 Trade Category: Automobile Financing Company Status: This is an account in good standing Indicator (current month 02/2016): Current / $1,022 02/01/2016 $442 01/09/ Month History Click here for legend Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb C C C C TNB - TARGET Revolving 03/2015 Open Credit Limit: $500 Trade Category: Variety Stores Status: This is an account in good standing Indicator (current month 01/2016): Current / $395 01/25/2016 $485 $40 01/23/ Month History Click here for legend Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan C C C C C C C C C C CREDIT ONE BANK NA Revolving 03/2015 Open Credit Limit: $450 Status: This is an account in good standing Indicator (current month 01/2016): Current / $409 01/10/2016 $450 $20 01/06/ Month History Click here for legend Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan C C C C C C C C C C WEBBANK/DFS Revolving 09/2015 Open Credit Limit: $1,500 / $1,296 12/28/2015 $1,434 $39 12/14/2015 Business Owner Profile - EVELYN ARPE 5/

6 Trade Category: Sales Financing Company Status: This is an account in good standing Indicator (current month 12/2015): Current 24 Month History Click here for legend Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec C C 0 CAP ONE Revolving 09/2015 Open Credit Limit: $500 Status: This is an account in good standing Indicator (current month 12/2015): Current / $492 12/28/2015 $54 $15 11/20/ Month History Click here for legend Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec C C / COMENITY Revolving 04/1996 Open 03/19/ /22/2000 BANK/LRNRMORD Credit Limit: $900 Trade Category: Specialty Clothing Store Status: This is an account in good standing Indicator (current month 03/2006): No history reported for that month 24 Month History Click here for legend / HAVERTYS FURNITURE CO Revolving 05/2003 Open 03/01/2006 $821 09/01/2003 Trade Category: Retail, Not Elsewhere Classified Status: This is an account in good standing Indicator (current month 03/2006): No history reported for that month 24 Month History Click here for legend days past the due date 2 60 days past the due date 3 90 days past the due date days past the due date days past the due date days past the due date Chapter 13 Bankruptcy (Petitioned, Discharged, Reaffirmation of debt rescinded) B Account condition change, payment code not applicable 8 Foreclosure, voluntary surrender or repossession C Current 9 Collections, charge-off or bankruptcy 0 Current with zero balance - update received N Current account/zero balance - no update - No history reported for that month No history maintained; see payment status Business Owner Profile - EVELYN ARPE 6/

7 received comment Get Paid Faster Report your bad debts & trade payments End of report 1 of 1 report The information herein is furnished in confidence for your exclusive use for legitimate business purposes and shall not be reproduced. Neither Experian Information Solutions, Inc., nor their sources or distributors warrant such information nor shall they be liable for your use or reliance upon it. Experian All rights reserved. Privacy policy. Experian and the Experian marks herein are service marks or registered trademarks of Experian. Business Owner Profile - EVELYN ARPE / 1015-BIS

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