Credit Report Date: 05/30/2020

Score

VERY POOR

518
Very Poor Excellent

300 850

Score Factors
1. Too many of the delinquencies on your accounts are recent
2. You have too many collection agency accounts that are unpaid
3. The number of inquiries was also a factor, but effect was not significant
4. The date that you opened your oldest account is too recent
5. No open accounts in your credit file

Personal Information
Name LORI J HUTCHISON

Also Known As LORI BUTLER

LORI HUTHCINSON
Date of Birth 1982
Address 1220 E CHILDS LN MCCONNELSVILLE OH 43756-9544

Previous Address(es) 853 FRONTAGE DR MOUNDSVILLE WV 26041-4047

2110 SALTWELL RD NW DOVER OH 44622-7466
Employer 1 Name CINDYS DINER
Employer 1 Address
Employer 2 Name DIRT DESIGNS
Employer 2 Address

Summary
Total Accounts 17
Open Accounts 0
Closed Accounts 17
Delinquent Accounts 0
Derogatory Accounts 0
Time Since Negative NEVER
Total Balances $17505
Total Monthly Payments $0
Inquiries 6
Public Records 0
Length of History Apr 08, 2007

Credit Used Experian

Revolving Debt $0
Revolving Credit Limit $0
Revolving Credit Usage 0%
Real Estate Debt $0
Installment Debt $0
Credit Used Experian
Total Debt $17505

Accounts
CAPITAL ONE BANK USA N Experian
Account Number 517805XXXXXX
Account Type Revolving
Account Status Closed
Payment Status DEROGATORY
Account Balance $685
High Balance $0
Business Type
Classification Revolving
Company Sold to
Date Opened Jun 24, 2017
Limit $500
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount -
Original Creditor N/A
Date Last Reported May 29, 2020
Date of Last Payment May 01, 2020
Date Last Active May 01, 2020
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2017 - - - - - - OK OK OK OK OK OK
2018 OK OK OK OK OK OK OK OK OK 30 60 90
2019 120 120 NA NA NA NA NA NA NA NA NA NA
2020 NA NA NA NA NA - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

KOHLS/CAPONE Experian
Account Number 639305XXXXXXXXXX
Account Type Revolving
Account Status Closed
Payment Status DEROGATORY
Account Balance $560
High Balance $0
Business Type
Classification Revolving
Company Sold to
Date Opened Dec 02, 2013
Limit $300
Monthly Payment $0
KOHLS/CAPONE Experian
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount -
Original Creditor N/A
Date Last Reported Mar 31, 2017
Date of Last Payment Mar 01, 2017
Date Last Active Mar 01, 2017
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2013 - - - - - - - - - - - OK
2014 OK 30 60 90 120 120 NA NA NA NA NA NA
2015 NA NA NA NA NA NA NA NA NA NA NA NA
2016 NA NA NA NA NA NA NA NA NA NA NA NA
2017 NA NA NA - - - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

CHRYSLER CAPITAL Experian

Account Number 300001XXXXXXXXXXX
Account Type Installment
Account Status Closed
Payment Status DEROGATORY
Account Balance $7131
High Balance $0
Business Type
Classification Installment
Company Sold to
Date Opened Sep 12, 2013
Limit $0
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount $0
Original Creditor N/A
Date Last Reported Apr 30, 2020
Date of Last Payment Apr 01, 2020
Date Last Active Apr 01, 2020
Comments
Remarks
 CHRYSLER CAPITAL Experian

Repayment History
J F M A M J J A S O N D
2013 - - - - - - - - OK OK OK OK
2014 OK 30 60 90 NA NA NA NA NA NA NA NA
2015 NA NA NA NA NA NA NA NA NA NA NA NA
2016 NA NA NA NA NA NA NA NA NA NA NA NA
2017 NA NA NA NA NA NA NA NA NA NA NA NA
2018 NA NA NA NA NA NA NA NA NA NA NA NA
2019 NA NA NA NA NA NA NA NA NA NA NA NA
2020 NA NA NA NA - - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

HYUNDAI CAPITAL AMERIC Experian

Account Number 201804XXXXXXXX
Account Type Installment
Account Status Closed
Payment Status DEROGATORY
Account Balance $7490
High Balance $0
Business Type
Classification Installment
Company Sold to
Date Opened Mar 27, 2018
Limit $0
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount $0
Original Creditor N/A
Date Last Reported Feb 29, 2020
Date of Last Payment Feb 01, 2020
Date Last Active Feb 01, 2020
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2018 - - - OK OK OK OK OK OK OK OK OK
2019 OK OK OK 30 60 90 NA NA NA NA NA NA
2020 NA NA - - - - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

 FRANKLIN COLLECTION SV Experian

Account Number 103386XXXX
Account Type Collection
Account Status Closed
Payment Status DEROGATORY
Account Balance $119
 Experian
High Balance $0
Business Type
Classification Collection
Company Sold to
Date Opened Nov 06, 2019
Limit $0
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount -
Original Creditor N/A
Date Last Reported May 29, 2020
Date of Last Payment May 01, 2020
Date Last Active May 01, 2020
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2019 - - - - - - - - - - - CO
2020 CO CO CO CO CO - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

 PAYLIANCE Experian
Account Number 262981X
Account Type Collection
Account Status Closed
Payment Status DEROGATORY
Account Balance $84
High Balance $0
Business Type
Classification Collection
Company Sold to
Date Opened Mar 25, 2019
Limit $0
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount -
Original Creditor N/A
Date Last Reported May 27, 2020
Date of Last Payment May 01, 2020
Date Last Active May 01, 2020
Comments
Remarks
 Experian

Repayment History
J F M A M J J A S O N D
2019 - - - - - CO CO CO CO CO CO CO
2020 CO CO CO CO CO - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

 LVNV FUNDING LLC Experian

Account Number 444796XXXXXXXXXX
Account Type Collection
Account Status Closed
Payment Status DEROGATORY
Account Balance $1436
High Balance $0
Business Type
Classification Collection
Company Sold to
Date Opened Apr 22, 2019
Limit $0
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount -
Original Creditor N/A
Date Last Reported May 11, 2020
Date of Last Payment May 01, 2020
Date Last Active May 01, 2020
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2019 - - - - - - CO CO CO CO CO CO
2020 CO CO CO CO CO - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

DEPT OF EDUCATION/NELN Experian

Account Number 900000XXXXXXXXX
Account Type Installment
Account Status Closed
Payment Status CURRENT
Account Balance $0
High Balance $0
Business Type
Classification Installment
Company Sold to
DEPT OF EDUCATION/NELN Experian
Date Opened Aug 16, 2013
Limit $0
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount $0
Original Creditor N/A
Date Last Reported Oct 15, 2016
Date of Last Payment Oct 01, 2016
Date Last Active Oct 01, 2016
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2014 - - OK OK OK OK 90 120 120 120 120 120
2015 120 120 120 NA NA NA NA NA CO NA NA NA
2016 NA NA NA NA NA NA NA NA NA OK - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

DEPT OF EDUCATION/NELN Experian

Account Number 900000XXXXXXXXX
Account Type Installment
Account Status Closed
Payment Status CURRENT
Account Balance $0
High Balance $0
Business Type
Classification Installment
Company Sold to
Date Opened Aug 16, 2013
Limit $0
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount $0
Original Creditor N/A
Date Last Reported Oct 15, 2016
Date of Last Payment Oct 01, 2016
Date Last Active Oct 01, 2016
Comments
Remarks
DEPT OF EDUCATION/NELN Experian

Repayment History
J F M A M J J A S O N D
2014 - - OK OK OK OK 90 120 120 120 120 120
2015 120 120 120 NA NA NA NA NA CO NA NA NA
2016 NA NA NA NA NA NA NA NA NA OK - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

DEPT OF EDUCATION/NELN Experian

Account Number 900000XXXXXXXXX
Account Type Installment
Account Status Closed
Payment Status CURRENT
Account Balance $0
High Balance $0
Business Type
Classification Installment
Company Sold to
Date Opened Aug 16, 2013
Limit $0
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount $0
Original Creditor N/A
Date Last Reported Mar 31, 2020
Date of Last Payment Mar 01, 2020
Date Last Active Mar 01, 2020
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2016 - - - - - - - - - OK OK OK
2017 OK OK OK OK OK OK OK OK OK OK OK OK
2018 OK OK OK OK OK OK OK OK 90 OK OK OK
2019 OK OK OK OK 90 120 120 120 120 120 120 120
2020 120 120 OK - - - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

DEPT OF EDUCATION/NELN Experian

Account Number 900000XXXXXXXXX
Account Type Installment
Account Status Closed
Payment Status CURRENT
Account Balance $0
High Balance $0
DEPT OF EDUCATION/NELN Experian
Business Type
Classification Installment
Company Sold to
Date Opened Aug 16, 2013
Limit $0
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount $0
Original Creditor N/A
Date Last Reported Mar 31, 2020
Date of Last Payment Mar 01, 2020
Date Last Active Mar 01, 2020
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2016 - - - - - - - - - OK OK OK
2017 OK OK OK OK OK OK OK OK OK OK OK OK
2018 OK OK OK OK OK OK OK OK 90 OK OK OK
2019 OK OK OK OK 90 120 120 120 120 120 120 120
2020 120 120 OK - - - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

CREDIT ONE BANK NA Experian

Account Number 444796XXXXXXXXXX
Account Type Revolving
Account Status Closed
Payment Status DEROGATORY
Account Balance $0
High Balance $0
Business Type
Classification Revolving
Company Sold to
Date Opened Apr 09, 2017
Limit $900
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount -
Original Creditor N/A
Date Last Reported Jun 07, 2019
Date of Last Payment Jun 01, 2019
Date Last Active Jun 01, 2019
Comments
CREDIT ONE BANK NA Experian
Remarks

Repayment History
J F M A M J J A S O N D
2017 - - - - OK OK OK OK OK OK OK OK
2018 OK OK OK OK OK OK OK OK 30 30 60 90
2019 120 120 120 NA NA OK - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

COMENITYCB/MYSMLCARE Experian
Account Number 578097XXXXXX
Account Type Revolving
Account Status Closed
Payment Status DELINQUENT
Account Balance $0
High Balance $2600
Business Type
Classification Revolving
Company Sold to
Date Opened Jan 03, 2018
Limit $2430
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount -
Original Creditor N/A
Date Last Reported Mar 11, 2019
Date of Last Payment Mar 01, 2019
Date Last Active Mar 01, 2019
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2018 - OK OK OK OK OK OK OK OK 30 60 90
2019 120 120 OK - - - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

COMENITYCB/BOSCOV Experian
Account Number 578097XXXXXX
Account Type Revolving
Account Status Closed
Payment Status DELINQUENT
Account Balance $0
High Balance $1821
Business Type
Classification Revolving
COMENITYCB/BOSCOV Experian
Company Sold to
Date Opened Mar 23, 2016
Limit $1410
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount -
Original Creditor N/A
Date Last Reported Feb 14, 2019
Date of Last Payment Feb 01, 2019
Date Last Active Feb 01, 2019
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2016 - - OK OK OK OK OK OK OK OK OK OK
2017 OK OK OK OK OK OK OK OK OK OK OK OK
2018 OK OK OK OK OK OK OK OK 30 60 90 120
2019 120 OK - - - - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

WEBBANK/FINGERHUT Experian
Account Number 636992XXXXXXXXXX
Account Type Revolving
Account Status Closed
Payment Status CURRENT
Account Balance $0
High Balance $0
Business Type
Classification Revolving
Company Sold to
Date Opened Nov 09, 2017
Limit $600
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount -
Original Creditor N/A
Date Last Reported Jan 11, 2019
Date of Last Payment Jan 01, 2019
Date Last Active Jan 01, 2019
Comments
Remarks
WEBBANK/FINGERHUT Experian

Repayment History
J F M A M J J A S O N D
2017 - - - - - - - - - - OK OK
2018 OK OK OK OK OK OK OK OK OK OK OK OK
2019 OK - - - - - - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

CREDIT ACCEPTANCE CORP Experian

Account Number 860290XX
Account Type Installment
Account Status Closed
Payment Status CURRENT
Account Balance $0
High Balance $0
Business Type
Classification Installment
Company Sold to
Date Opened Mar 06, 2017
Limit $0
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount $0
Original Creditor N/A
Date Last Reported Jun 14, 2018
Date of Last Payment Jun 01, 2018
Date Last Active Jun 01, 2018
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2017 - - OK OK OK OK OK OK OK OK OK OK
2018 OK OK OK OK OK OK - - - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

SYNCB/JCP Experian
Account Number 600889XXXXXX
Account Type Revolving
Account Status Closed
Payment Status CURRENT
Account Balance $0
High Balance $125
Business Type
Classification Revolving
SYNCB/JCP Experian
Company Sold to
Date Opened Apr 08, 2007
Limit $600
Monthly Payment $0
Percentage of Credit Used
Terms
Amount Past Due $0
Responsibility Individual
Original Amount -
Original Creditor N/A
Date Last Reported Aug 31, 2010
Date of Last Payment Aug 01, 2010
Date Last Active Aug 01, 2010
Comments
Remarks

Repayment History
J F M A M J J A S O N D
2007 - - - OK OK OK OK OK OK OK OK OK
2008 OK OK OK OK OK OK OK OK OK OK OK OK
2009 OK OK OK OK OK OK OK OK OK OK OK OK
2010 OK OK OK OK OK OK OK OK - - - -
OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days Late

180 180 Days Late PP Payment Plan RF Repossession CO Collection Charge Off NA Not Available
Foreclosure

Inquiry
Inquiry 1 Experian
Inquirer DT CREDIT
Inquiry Date May 22, 2020
Inquiry Type
Phone
Address

Inquiry 2 Experian
Inquirer SEVEN SEVENTEEN CREDIT
Inquiry Date May 22, 2020
Inquiry Type
Phone
Address

Inquiry 3 Experian
Inquirer ROADLOANS.COM
Inquiry Date Mar 27, 2019
Inquiry Type
Phone
Address

Inquiry 4 Experian
Inquirer HYUNDAI CAPITAL AMERIC
Inquiry Date Mar 25, 2019
Inquiry Type
Inquiry 4 Experian
Phone
Address

Inquiry 5 Experian
Inquirer FACTUAL DATA
Inquiry Date Mar 05, 2019
Inquiry Type
Phone
Address

Inquiry 6 Experian
Inquirer ONEMAIN
Inquiry Date Feb 28, 2019
Inquiry Type
Phone
Address

Public Records
No Public Records Found

Creditor Contact Information

Creditor 1 Experian
Name CAPITAL ONE BANK USA N
Address 15000 CAPITAL ONE DR RICHMOND VA 23238
Phone 8009557070

Creditor 2 Experian
Name KOHLS/CAPONE
Address N56 RIDGEWOOD DR MENOMONEE FAL WI 53051
Phone 2627037000

Creditor 3 Experian
Name CHRYSLER CAPITAL
Address PO BOX 961275 FORT WORTH TX 76161
Phone 8004237712

Creditor 4 Experian
Name HYUNDAI CAPITAL AMERIC
Address 4000 MACARTHUR BLVD STE NEWPORT BEACH CA 92660
Phone 8005237020

Creditor 5 Experian
Name FRANKLIN COLLECTION SV
Address 2978 W JACKSON ST TUPELO MS 38801
Phone 6628447776

Creditor 6 Experian
Name PAYLIANCE
Address 2 EASTON OVAL STE 310 COLUMBUS OH 43219
Phone 6149445788

Creditor 7 Experian
Name LVNV FUNDING LLC
Creditor 7 Experian
Address PO BOX 1269 GREENVILLE SC 29602
Phone 8664641183

Creditor 8 Experian
Name DEPT OF EDUCATION/NELN
Address 121 S 13TH ST LINCOLN NE 68508
Phone 8884864722

Creditor 9 Experian
Name CREDIT ONE BANK NA
Address PO BOX 98875 LAS VEGAS NV 89193
Phone 7022691000

Creditor 10 Experian
Name COMENITYCB/MYSMLCARE
Address PO BOX 182120 COLUMBUS OH 43218
Phone

Creditor 11 Experian
Name COMENITYCB/BOSCOV
Address PO BOX 182120 COLUMBUS OH 43218
Phone

Creditor 12 Experian
Name WEBBANK/FINGERHUT
Address 6250 RIDGEWOOD RD SAINT CLOUD MN 56303
Phone

Creditor 13 Experian
Name CREDIT ACCEPTANCE CORP
Address PO BOX 513 SOUTHFIELD MI 48037
Phone Mail Only

Creditor 14 Experian
Name SYNCB/JCP
Address PO BOX 965007 ORLANDO FL 32896
Phone 8005420800