7/30/24, 12:50 AM Your Credit Health | Credit Karma

View report from

Jul 29, 2024

VERNON J ISAAC
604
Calculated using VantageScore 3.0
Provided by TransUnion

Personal Information
NAMES REPORTED

VERNON J ISAAC

EMPLOYMENT INFO

STONELEDGE FURNITURE LLC

ASHLEY FURNITURE

ADDRESSES REPORTED

3645 SATURN AV
PALMDALE, CA
93550

2935 MOUNTAIN AV 29
SAN BERNARDINO, CA
92404

3645 E PALMDALE BV
PALMDALE, CA
93550

Accounts
For You Credit Cards Loans Money
Here's every account on your TransUnion report. Click on the account name for more details.
https://www.creditkarma.com/credit-health/transunion/credit-report/print 1/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

See an error?

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

AUTO LOANS

EXETER FINANCE LLC $23,040.00 -

Reported: Jun. 30, 2024 In good standing

Overview
You have 89% left to pay on this loan.

Balance Highest Balance

$23040 $25942

Monthly payment $756

Opened Jan. 23, 2023 (1 yr, 6 mos)

Term 73 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
2024
2023

Current Late Unknown

Last payment Jun. 29, 2024

Current Payment Status Current

Worst Payment Status Current

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 2/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

Account Details

Account status Open

Type Auto Loan

Responsibility Individual

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

Creditor Information
EXETER FINANCE LLC
PO BOX 166097
IRVING, TX 75016

(800) 321-9637

UNITED AUTO CREDIT CORP $1,870.00 -

Reported: May 31, 2024 In good standing

Overview
You have 10% left to pay on this loan.

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 3/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

Balance Highest Balance

$1870 $18626

Monthly payment $489

Opened Nov. 15, 2018 (5 yrs, 8 mos)

Term 66 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
2024

2023
2022

2021

Current Late Unknown

Last payment May 10, 2024

Current Payment Status Current

Worst Payment Status Current

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 4/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

Account Details

Account status Open

Type Auto Loan

Responsibility Individual

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

Creditor Information
UNITED AUTO CREDIT CORP
3990 WESTERLEY PLACE SUITE 200
NEWPORT BEACH, CA 92660

(714) 224-1900

CREDIT CARDS

FIRST PREMIER BANK $642.00 -

Reported: Jul. 07, 2024 Closed

Overview
You're currently using 128% of your account's limit.
For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 5/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

Balance Credit limit

$642 $500

Monthly payment $0

Opened Feb. 05, 2015 (9 yrs, 5 mos)

Payment History

Last payment Jun. 08, 2018

Current Payment Status In Collections/Charge-off

Amount past due $642

Worst Payment Status No Info

Account Details

Account status Derogatory

Type Credit Card

Responsibility Individual

Remarks Charged off as bad debt

Account information disputed by consumer, meets FCRA requirements

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

Closed Jun. 08, 2018

See an error?
SEE AN ERROR?
If there's an error on
For You your report, you can Cards
Credit submit a dispute. Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 6/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

DISPUTE AT TRANSUNION

Creditor Information
FIRST PREMIER BANK
3820 N LOUISE AVE
SIOUX FALLS, SD 57107

(800) 987-5521

FIRST PREMIER BANK $1,235.00 -

Reported: Jul. 07, 2024 Closed

Overview
You're currently using 137% of your account's limit.

Balance Credit limit

$1235 $900

Monthly payment $0

Opened Mar. 27, 2016 (8 yrs, 4 mos)

Payment History

Last payment Apr. 26, 2018

Current Payment Status In Collections/Charge-off

Amount past due $1235

Worst Payment Status No Info

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 7/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

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 Jun. 08, 2018

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

DISPUTE AT TRANSUNION

Creditor Information
FIRST PREMIER BANK
3820 N LOUISE AVE
SIOUX FALLS, SD 57107

(800) 987-5521

NAVY FEDERAL CR UN $1,110.00 -

Reported: Jun. 30, 2024 Closed

Overview
You're currently using 111% of your account's limit.
For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 8/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

Balance Credit limit

$1110 $1000

Monthly payment $0

Opened Jul. 18, 2017 (7 yrs)

Payment History

Last payment May 09, 2018

Current Payment Status In Collections/Charge-off

Amount past due $1110

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 Dec. 11, 2017

See an error?
SEE AN ERROR?
If there's an error on your report, you can submit a dispute.
For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 9/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

DISPUTE AT TRANSUNION

Creditor Information
NAVY FEDERAL CR UN
PO BOX 3700
MERRIFIELD, VA 22119

(800) 336-3333

OTHER ACCOUNTS

FAMILY SUPPORT DIV LOS A $0.00

Reported: Aug. 31, 2020 Closed

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

Balance
$0

Monthly payment $0

Opened Aug. 01, 2017 (6 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
2020

2019

Current Late Unknown

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 10/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

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

2017

Current Late Unknown

Last payment Jul. 08, 2020

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Paid

Type Child support

Responsibility Individual

Remarks Closed

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

Closed Aug. 31, 2020

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 11/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

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

DISPUTE AT TRANSUNION

Creditor Information
FAMILY SUPPORT DIV LOS A
5770 S EASTERN AVE
COMMERCE, CA 90040

(866) 901-3212

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: Mar. 25, 2024 (800) 353-5920

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

Institution Information
CB INDIGO
PO BOX 4499
BEAVERTON, OR
97076
(800) 353-5920

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 12/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

FEB/DESTINY Bank -
Inquiry: Dec. 19, 2023 (800) 583-5698

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

Institution Information
FEB/DESTINY
PO BOX 4499
BEAVERTON, OR
97076
(800) 583-5698

SYNCB/JC PENNEY PLCC Travel/Entertainment -

Inquiry: Sep. 08, 2023 (866) 227-5213

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

Institution Information
SYNCB/JC PENNEY PLCC
PO BOX 71729
PHILADELPHIA, PA
19176
(866) 227-5213

SYNCB/JC PENNEY PLCC Travel/Entertainment -

Inquiry: Jul. 18, 2023 (866) 227-5213

See an error?
Find out how to dispute a hard inquiry
For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 13/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

Institution Information
SYNCB/JC PENNEY PLCC
PO BOX 71729
PHILADELPHIA, PA
19176
(866) 227-5213

SYNCHRONY FINANCIAL Finance/Personal -

Inquiry: Mar. 15, 2023 (800) 924-2927

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

Institution Information
SYNCHRONY FINANCIAL
PO BOX 71724
PHILADELPHIA, PA
19176
(800) 924-2927

SYNCB/JC PENNEY PLCC Travel/Entertainment -

Inquiry: Dec. 29, 2022 (866) 227-5213

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

Institution Information
SYNCB/JC PENNEY PLCC
PO BOX 71729
PHILADELPHIA, PA
19176
(866) 227-5213

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 14/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

AMERICREDIT Finance/Personal -
Inquiry: Dec. 22, 2022 (800) 284-2271

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

Institution Information
AMERICREDIT
801 CHERRY ST SUITE 3900
FT WORTH, TX
76102
(800) 284-2271

FLAGSHIP CREDIT ACCEPTAN Finance/Personal -

Inquiry: Dec. 22, 2022 (800) 707-0114

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

Institution Information
FLAGSHIP CREDIT ACCEPTAN
3 CHRISTY DRIVE SU
CHADDS FORD, PA
19317
(800) 707-0114

CONSUMER PORTFOLIO SERVI Finance/Personal -

Inquiry: Dec. 22, 2022 (888) 469-4520

See an error?
Find out how to dispute a hard inquiry
For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 15/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

Institution Information
CONSUMER PORTFOLIO SERVI
19500 JAMBOREE ROA
IRVINE, CA
92612
(888) 469-4520

REGIONAL ACCEPTANCE Bank -

Inquiry: Dec. 22, 2022 (919) 766-1388

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

Institution Information
REGIONAL ACCEPTANCE
1424 E FIRE TOWER
GREENVILLE, NC
27858
(919) 766-1388

BARCLAYS BANK DELAWARE Bank -

Inquiry: Sep. 18, 2022 (866) 370-5931

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

Institution Information
BARCLAYS BANK DELAWARE
PO BOX 8803
WILMINGTON, DE
19899
(866) 370-5931

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 16/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

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.

SPRING OAKS CAPITAL LLC $1,039.00 -

Reported: Jul. 26, 2024 Needs Attention

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

Balance Highest Balance

$1039 $1039

Opened Jun. 29, 2022 (2 yrs, 1 mo)

Account status Open

Type Derogatory

Responsibility Individual

Remarks Placed for collection

Original Creditor Name 12 CELTIC BANK

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

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 17/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

Creditor Information
SPRING OAKS CAPITAL LLC
P.O. BOX 1216
CHESAPEAKE, VA 23327

(833) 418-3085

PLUSFOUR INC $2,798.00 -

Reported: Jul. 22, 2024 Needs Attention

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

Balance Highest Balance

$2798 $2028

Opened Feb. 25, 2019 (5 yrs, 5 mos)

Account status Open

Type Derogatory

Responsibility Individual

Remarks Placed for collection

Original Creditor Name COMMUNITY AMBULANCE

Closed No Info

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

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 18/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

DISPUTE AT TRANSUNION

Creditor Information
PLUSFOUR INC
2600 PASEO VERDE PARKWAY
HENDERSON, NV 89074

(702) 898-1033

PORTFOLIO RECOVERY $404.00 -

Reported: Jul. 12, 2024 Needs Attention

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

Balance Highest Balance

$404 $404

Opened Sep. 29, 2023 (10 mos)

Account status Open

Type Derogatory

Responsibility Individual

Remarks Placed for collection

Original Creditor Name 08 CAPITAL ONE N A

Closed No Info

See an error?
For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 19/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

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

DISPUTE AT TRANSUNION

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

(844) 675-3407

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 Jul. 29, 2024, you have no public records on your report.

Suggested for your credit Suggested cards

We suggest offers based on your credit, Approval Odds, and money we make from our partners.
Advertiser Disclosure

Capital One Platinum Credit Card

497 Reviews

Your chance of approval is good

REGULAR PURCHASE APR ANNUAL FEE

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 20/21
7/30/24, 12:50 AM Your Credit Health | Credit Karma

29.99% (Variable) $0

Continue

See details, rates, and fees

For You Credit Cards Loans Money

https://www.creditkarma.com/credit-health/transunion/credit-report/print 21/21