Ccb ppc 9690 deereco rd

CREDIT REPORT

SEAN MARKL

Report Confirmation

8808269767

1. Summary

Review this summary for a quick view of key information contained in your Equifax Credit Report.

Report Date Nov 04, 2018

Credit File Status No fraud indicator on file

Alert Contacts 0 Records Found

Average Account Age 1 Year, 9 Months

Length of Credit History 5 Years, 1 Month

Accounts with Negative Information 3

Oldest Account FIRST PEOPLES COMMUNITY FCU (Opened Oct 01, 2013)

Most Recent Account DEPT OF EDUCATION/OSLA SRV (Opened Sep 20, 2018)

Credit Accounts

Your credit report includes information about activity on your credit accounts that may affect your credit score and rating.

Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment

Revolving

Mortgage

Installment 9 9 $59,438 $1,194 $60,632 98.0% $531

Other 0 0

Total 9 9 $59,438 $1,194 $60,632 98.0% $531

Other Items

Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may affect your credit score and rating.

Consumer Statements 0 Statements Found

Personal Information 12 Items Found

Inquiries 16 Inquiries Found

Most Recent Inquiry COMCASTSep 21, 2018

Public Records 0 Records Found

Collections 7 Collections Found

SEAN MARKL | Nov 04, 2018 Page 2 of 55

2. Revolving Accounts

Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards.

You currently do not have any Revolving Accounts in your file.

SEAN MARKL | Nov 04, 2018 Page 3 of 55

3. Mortgage Accounts

Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off.

You currently do not have any Mortgage Accounts in your file.

SEAN MARKL | Nov 04, 2018 Page 4 of 55

4. Installment Accounts

Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans.

4.1 FLAGSHIP CREDIT ACCEPTANCE,LLC (CLOSED)

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxxxx 1001 Reported Balance $11,177

Account Status CHARGE_OFF Debt-to-Credit Ratio N/A

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017 $19,255 $19,073 $18,916 $18,747 $18,587 $18,413 $18,245 $18,075 $17,924 $17,779 $18,416

2018 $11,177

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017 $434 $434 $434 $434 $434 $434 $434 $434 $434 $434 $434

2018 $434

SEAN MARKL | Nov 04, 2018 Page 5 of 55

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017 $434 $434 $434 $434 $486 $434 $434 $434 $435 $435

2018

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146 $19,146

2018

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017 $850

2018

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Comments 1

Date Comment

01/2017 Fixed rate

SEAN MARKL | Nov 04, 2018 Page 6 of 55

Date Comment

02/2017 Fixed rate

03/2017 Fixed rate

04/2017 Fixed rate

05/2017 Fixed rate

06/2017 Fixed rate

07/2017 Fixed rate

08/2017 Fixed rate

09/2017 Fixed rate

10/2017 Fixed rate

11/2017 Fixed rate

04/2018 Charged off account

Comments 2

Date Comment

04/2018 Fixed rate

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018 30 60 90 V CO CO CO CO CO

2017

2016

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit Owner JOINT_CONTRACTUAL_LIABILITY

SEAN MARKL | Nov 04, 2018 Page 7 of 55

Credit Limit Account Type INSTALLMENT

Terms Frequency MONTHLY Term Duration 7

Balance $11,177 Date Opened Oct 12, 2016

Amount Past Due Date Reported Oct 31, 2018

Actual Payment Amount Date of Last Payment Apr 01, 2018

Date of Last Activity Scheduled Payment Amount $434

Months Reviewed 24 Delinquency First Reported Apr 01, 2018

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount $9,414

Balloon Payment Date Balloon Payment Amount

Loan Type Auto Date Closed

Date of First Delinquency Dec 01, 2017

Comments

Charged off account

Fixed rate

Contact

FLAGSHIP CREDIT ACCEPTANCE,LLC 3 CHRISTY DRIVE STE 201 CHADDS FORD, PA 19317 1-800-707-0114

SEAN MARKL | Nov 04, 2018 Page 8 of 55

4.2 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 7924 Reported Balance $3,505

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 100%

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $3,500 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $3,505 Date Opened Sep 20, 2018

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 0 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

SEAN MARKL | Nov 04, 2018 Page 9 of 55

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 10 of 55

4.3 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 7824 Reported Balance $2,750

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 100%

Available Credit

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Payment History

You currently do not have any Payment History in your file.

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $2,750 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $2,750 Date Opened Sep 20, 2018

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 0 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

SEAN MARKL | Nov 04, 2018 Page 11 of 55

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 12 of 55

4.4 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 3324 Reported Balance $4,500

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 100%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

SEAN MARKL | Nov 04, 2018 Page 13 of 55

2016

2017

2018

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

SEAN MARKL | Nov 04, 2018 Page 14 of 55

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $4,500 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $4,500 Date Opened May 02, 2018

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 4 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 15 of 55

4.5 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 7624 Reported Balance $6,098

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 102%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

SEAN MARKL | Nov 04, 2018 Page 16 of 55

2016

2017

2018

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

SEAN MARKL | Nov 04, 2018 Page 17 of 55

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $6,000 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $6,098 Date Opened Apr 27, 2018

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 5 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 18 of 55

4.6 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 3824 Reported Balance $6,313

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 105%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

SEAN MARKL | Nov 04, 2018 Page 19 of 55

2016

2017

2018

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

SEAN MARKL | Nov 04, 2018 Page 20 of 55

2017

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $6,000 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $6,313 Date Opened Mar 23, 2017

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 18 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 21 of 55

4.7 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 3724 Reported Balance $4,500

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 100%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

SEAN MARKL | Nov 04, 2018 Page 22 of 55

2016

2017

2018

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

SEAN MARKL | Nov 04, 2018 Page 23 of 55

2017

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $4,500 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $4,500 Date Opened Mar 23, 2017

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 18 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 24 of 55

4.8 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 3024 Reported Balance $6,543

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 109%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

SEAN MARKL | Nov 04, 2018 Page 25 of 55

2016

2017

2018

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

SEAN MARKL | Nov 04, 2018 Page 26 of 55

2017

2016

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $6,000 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $6,543 Date Opened Jun 22, 2016

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 27 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments

Student loan - payment deferred

Contact

DEPT OF EDUCATION/OSLA SRV 525 CENTRAL PARK DR, STE 600 OKLAHOMA CITY, OK 73105 1-866-264-9762

SEAN MARKL | Nov 04, 2018 Page 27 of 55

4.9 DEPT OF EDUCATION/OSLA SRV

Summary

Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account's reported balance by its credit limit.

Account Number xxxxxxxxxxx 2924 Reported Balance $3,500

Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 100%

Available Credit

Account History

The tables below show up to 2 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.

Balance

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Available Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Scheduled Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Actual Payment

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

SEAN MARKL | Nov 04, 2018 Page 28 of 55

2016

2017

2018

High Credit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Credit Limit

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Amount Past Due

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Activity Designator

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2016

2017

2018

Payment History

View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due; the letters indicate other account events, such as bankruptcy or collections.

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2018

SEAN MARKL | Nov 04, 2018 Page 29 of 55

2017

2016

Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due

150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

Account Details

View detailed information about this account. Contact the creditor or lender if you have any questions about it.

High Credit $3,500 Owner INDIVIDUAL

Credit Limit Account Type INSTALLMENT

Terms Frequency DEFERRED Term Duration 0

Balance $3,500 Date Opened Jun 22, 2016

Amount Past Due $0 Date Reported Sep 30, 2018

Actual Payment Amount Date of Last Payment

Date of Last Activity Scheduled Payment Amount

Months Reviewed 27 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Mar 01, 2022 Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Education Loan Date Closed

Date of First Delinquency

Comments