Experian · Joint Application
Bureau
Steve Johnson
Jane Johnson
Experian
742
701
Representative Score for Loan
701
Lower of the two borrowers' scores — Jane Johnson
Per Fannie Mae B3-5.1-02: for multiple borrowers, the loan's representative score is the lower of the borrowers' scores — not an average. This is not a credit decision.
Open Accounts
9
5 closed
Total Balance
$283,043
joint accounts counted once
Utilization
279.3%
$101,337 total limit
Derogatory
2
0 collections, 0 public records
Identity & Fraud Screening
Borrower — Steve Johnson
Military Lending Act
Covered Borrower
Fraud Shield
Potential Synthetic Identity (FCRA)
Co-Borrower — Jane Johnson
Military Lending Act
Not covered
Fraud Shield
No indicators of synthetic identity
Trade Accounts
14 accounts • joint accounts shown once
CHASE
Credit Card • Individual
Borrower
Open
Balance
$10
Credit Limit
$1,100
Opened
2008-01-14
Rating
This Is An Account In Good Standing
CHASE
Auto Loan • Individual
Borrower
Closed
Balance
$0
Credit Limit
$58,237
Opened
2015-08-15
Rating
This Is An Account In Good Standing
SYNCB/CHEVRON DC
Credit Card • Individual
Borrower
Open
Balance
$0
Credit Limit
$1,800
Opened
2018-05-16
Rating
This Is An Account In Good Standing
CITI CARD
Flexible Spending Credit Card • Individual
Borrower
Open
Balance
$978
Credit Limit
$5,000
Opened
2021-06-12
Rating
This Is An Account In Good Standing
BANK OF AMERICA
Conventional Real Estate Loan, Including Purchase Money First • Joint
Joint
Open
Balance
$277,144
Credit Limit
N/A
Opened
2022-04-28
Rating
This Is An Account In Good Standing
NAVY CREDIT UNION
Unsecured Loan • Joint
Joint
Open
Balance
$3,290
Credit Limit
N/A
Opened
2020-10-15
Rating
This Is An Account In Good Standing
LOAN SERVICING COMPANY
FHA Real Estate Loan • Joint
Joint
Closed
Balance
$0
Credit Limit
N/A
Opened
2019-04-19
Rating
This Is An Account In Good Standing
ABC BANK
Secured Loan • Joint
Joint
Open
Balance
$29
Credit Limit
N/A
Opened
2016-03-26
Rating
Current Account/Was 120 Days Past Due Date 2 Or More Times
SYNCB/CARE CREDIT
Charge Account • Individual
Borrower
Open
Balance
$0
Credit Limit
$6,000
Opened
2019-04-11
Rating
This Is An Account In Good Standing
JP Morgan
Check Credit Or Line Of Credit • Individual
Borrower
Closed
Balance
$0
Credit Limit
$4,000
Opened
2011-06-17
Rating
This Is An Account In Good Standing
WELLS FARGO
Conventional Real Estate Loan, Including Purchase Money First • Joint
Joint
Closed
Balance
$0
Credit Limit
N/A
Opened
2015-12-22
Rating
This Is An Account In Good Standing
AMERICAN EXPRESS
Credit Card • Individual
Co-Borrower
Open
Balance
$412
Credit Limit
$15,000
Opened
2018-06-12
Rating
This Is An Account In Good Standing
DISCOVER
Credit Card • Individual
Co-Borrower
Open
Balance
$1,180
Credit Limit
$9,000
Opened
2015-09-03
Rating
This Is An Account In Good Standing
TD RETAIL CARD SERVICES
Charge Account • Individual
Co-Borrower
Closed
Balance
$0
Credit Limit
$1,200
Opened
2016-11-20
Rating
This Account Was 30 Days Past The Due Date
Credit Inquiries
4 inquiries
| Date | Company | Industry | Applicant |
|---|---|---|---|
| 2023-02-01 | Wells Fargo | Finance Companies – Non-Specific | Joint |
| 2021-05-05 | Capital One | Automotive – Non-Specific | Borrower |
| 2020-02-02 | SDCCU | Savings And Loans – Mortgage | Borrower |
| 2019-08-14 | Discover | Bank Credit Cards | Co-Borrower |
Collections & Public Records
No collections or public records found for either applicant.