Confidential Client Report

Credit Analysis
& Accuracy Review

A simplified, client-friendly review of reported scores, personal information, credit utilization, inquiries, negative accounts, bureau inconsistencies, and the financial impact of credit.

Prepared for

Yesenia Lopez

Prepared byCredFixx

Report dateJuly 13, 2026

Built from the Credit Analysis and Credit Analyzer reports Client Use Only

Navigation

Personal Information Review

Personal Data

Items shown in red differ across the three credit bureaus and should be confirmed by the client.

Multiple identity fields need verification. Differences do not automatically prove an error, but incorrect names, addresses, or employers may complicate matching and dispute investigations.

Profile field	Equifax	Experian	TransUnion
Legal name	YESENIA LOPEZ LOPEZ	YESENIA LOPEZ	YESENIA LOPEZ
Also known as	YESENIA LOPEZ-LOPEZ YESENIA L LOPEZ YESENIA LOPEZ LOPEZ	LOPEZ YESENIA LOPEZ	LOPEZLOPEZ,YESENIA
Date of birth	1976	1976	1976
Current address	12236 W SAMPLE RD APT 12236 CORAL SPRINGS, FL 33065	12256 W SAMPLE RD CORAL SPRINGS, FL 33065-4226	12256 SAMPLE RD CORAL SPRINGS, FL 33065
Previous address(es)	12256 W SAMPLE RD CORAL SPRINGS, FL 33065 11680 NW 23RD ST CORAL SPRINGS, FL 33065 5219 NW 117TH AVE CORAL SPRINGS, FL 33076	5219 NW 117TH AVE CORAL SPRINGS, FL 33076-3242 1236 W SAMPLE RD CORAL SPRINGS, FL 33065	12236 SAMPLE RD CORAL SPRINGS, FL 33065 5219 117TH AV CORAL SPRINGS, FL 33076
Employers	5 DIAMOND BEAUTY SG BEAUTY SALON	5 DIAMOND BEAUTY DOMINICAN HAIR SECRETS SALON	SG BEAUTY SALON DIVINE HAIR SALON

Public records

No public-record data was found in the analyzer.

Client confirmation checklist

Exact legal name and valid aliases
Correct current street number and apartment
Addresses and employers that do not belong

Credit analysis

Credit Profile Snapshot

Report Overview

A modernized overview of the same core metrics from the original Credit Analysis report.

Equifax

654

Score

300 — 850

Experian

645

Score

300 — 850

TransUnion

679

Score

300 — 850

Reported Derogatory Factors

11

Late-payment accounts

5

Charge-offs

7

Inquiries

2

Collections (summary)

0

Foreclosures

0

Bankruptcies

0

Short sales

0

Repossessions

13

Total negative accounts

Credit Cards & Loans

Credit cards14

Loan accounts19

Open credit cards7

Open loan accounts5

Closed credit cards7

Closed loan accounts14

Amounts owed

Credit Card Utilization

Priority Area

Cards are ranked from highest to lowest reported utilization, followed by the combined utilization reported in the source analysis.

Account	Balance	Limit	Utilization	Visual / review note
CAPITAL ONE517805871183	$1,898	$2,000	94.9%	Very high
COMENITYBANK/VICTORIA539176136892	$73–$94	$100	73%–94%	Balance mismatch
CAPITAL ONE517805925356	$478–$517	$600	79.7%–86.2%	Balance mismatch
APPLE CARD/GS BANK USA110001113467	$0–$243	$500	0%–48.6%	Balance mismatch
BARCLAYS BANK/OLD NAVY00046292389	$0	$200	0%	No balance reported
SYNCB/OLDNAV601859640935	$0	$200	0%	No balance reported
SYNCB/OLDNAV601859640278	$0	$300	0%	No balance reported

70.56%

Poor

Combined utilization reported

0–9%

Excellent

10–29%

Good

30–49%

Fair

50–74%

Poor

75%+

Very poor

Primary goal: bring each card below 30% while keeping every payment on time. Lower utilization can help, but score changes are never guaranteed.

New credit

Inquiry Review

7 Reported

Every hard inquiry reported by the bureaus, from most recent to oldest. Age is measured against the report date (Jul 13, 2026).

#	Creditor	Date	Bureau	Stated purpose	Client impact / review
1	PREFERRED CREDIT INC	Mar 11, 2026	Experian	Finance Companies - non specific	Can affect score 4 months ago — Less than 12 months old.
2	LIPTON TOYOTA	Sep 27, 2025	Equifax	Automobile Dealers, New	Can affect score 9 months ago — Less than 12 months old.
3	700CR/LIPTON TOYOTA	Sep 27, 2025	Experian	Automobile Dealers, Used	Can affect score 9 months ago — Less than 12 months old.
4	ROBERT L LIPTO	Sep 27, 2025	TransUnion	Automotive	Can affect score 9 months ago — Less than 12 months old.
5	J & M AUTO ADVISORS	Oct 5, 2024	Equifax	Automobile Dealers, Used	Low impact 21 months ago — Between 12 and 24 months old.
6	PLANTATION SALES INC	Aug 30, 2024	Equifax	Automobile Dealers, New	Low impact 22 months ago — Between 12 and 24 months old.
7	700/WESTON NISSAN VOLV	Aug 30, 2024	Experian	Automobile Dealers, Used	Low impact 22 months ago — Between 12 and 24 months old.

Why hard inquiries can matter

A hard inquiry usually follows an application for credit.
FICO generally considers inquiries from the previous 12 months; they may remain on reports for up to two years.
Several recent hard inquiries may indicate elevated credit-seeking activity. Exact score impact varies.
Accurate, authorized inquiries should not be challenged merely because they affect a score.

Required verification steps

Confirm the inquiry list from Equifax, Experian, and TransUnion is complete.
Match each creditor and date to a real application or rate-shopping event.
Identify inquiries the client does not recognize or did not authorize.
Do not substitute an account-open date for the actual inquiry date.

Client-facing note: 7 inquiries are reported: 4 less than 12 months old (can affect the score), 3 between 12 and 24 months old (low impact) and 0 older than 24 months (no longer scored). Each one should still be matched to a real application before it is disputed.

Negative accounts

Charge-Off Accounts

Accounts 1–2 of 5

Every reported field for each charge-off, compared across the three bureaus. Ranked by reported balance.

CAP1/WMT ••••4023 11 of 14 fields differ across bureaus

Field	Equifax	Experian	TransUnion
Account #	603220374023	603220374023	603220374023
High Balance	$1,868	Not reported	$2,315
Last Verified	11/20/2022	06/16/2026	06/16/2026
Date of Last Activity	11/20/2022	10/01/2025	06/16/2026
Date Reported	11/20/2022	06/16/2026	06/16/2026
Date Opened	01/30/2017	01/30/2017	01/30/2017
Balance Owed	$0	$2,315	$2,315
Closed Date	11/20/2022	10/01/2025	06/16/2026
Account Rating	Indeterminate	Closed	Closed
Account Description	Individual Account	Individual	Individual account
Dispute Status	Account not disputed	Account not disputed	Account not disputed
Creditor Type	Variety Stores	Variety Stores	Department, variety, local, regional, and national chains
Account Status	Indeterminate	Closed	Closed
Payment Status	Pays account as agreed	Charge-off	Charged off as bad debt

SYNCB/WALMAR ••••4023 13 of 14 fields differ across bureaus

Field	Equifax	Experian	TransUnion
Account #	6032203740238299	603220374023	603220374023
High Balance	Not reported	$1,868	$1,868
Last Verified	06/16/2026	10/10/2019	10/11/2019
Date of Last Activity	06/16/2026	10/01/2019	10/11/2019
Date Reported	06/16/2026	10/10/2019	10/11/2019
Date Opened	01/30/2017	01/30/2017	01/30/2017
Balance Owed	$2,315	$0	$0
Closed Date	06/16/2026	10/01/2019	10/11/2019
Account Rating	Closed	Indeterminate	Indeterminate
Account Description	Individual Account	Individual	Individual account
Dispute Status	Account not disputed	Not reported	Account not disputed
Creditor Type	All Banks	Variety Stores	Department, variety, local, regional, and national chains
Account Status	Closed	Indeterminate	Indeterminate
Payment Status	Charge-off	Current	Paid or paying as agreed

HC ROYA ••••7669 10 of 14 fields differ across bureaus

Field	Equifax	Experian	TransUnion
Account #	25717669	25717669	2571
High Balance	Not reported	$2,548	$2,548
Last Verified	11/30/2024	11/30/2024	11/14/2024
Date of Last Activity	11/30/2024	11/01/2024	11/14/2024
Date Reported	11/30/2024	11/30/2024	11/14/2024
Date Opened	02/02/2022	02/02/2022	02/02/2022
Balance Owed	$1,398	$1,398	$1,398
Closed Date	11/30/2024	11/01/2024	11/14/2024
Account Rating	Closed	Closed	Closed
Account Description	Individual Account	Individual	Individual account
Dispute Status	Account not disputed	Not reported	Account not disputed
Creditor Type	Miscellaneous	Sales Financing Company	Finance, personal
Account Status	Closed	Closed	Closed
Payment Status	Charge-off	Charge-off	Charged off as bad debt

OPORTUNPROG ••••8724 9 of 14 fields differ across bureaus

Field	Equifax	Experian	TransUnion
Account #	5738724	5738724	5738724
High Balance	Not reported	$6,046	$6,046
Last Verified	12/31/2024	12/31/2024	10/31/2024
Date of Last Activity	12/31/2024	10/01/2024	10/31/2024
Date Reported	12/31/2024	12/31/2024	10/31/2024
Date Opened	11/01/2022	11/01/2022	11/01/2022
Balance Owed	$0	$0	$0
Closed Date	12/31/2024	10/01/2024	10/31/2024
Account Rating	Indeterminate	Indeterminate	Indeterminate
Account Description	Individual Account	Individual	Individual account
Dispute Status	Account not disputed	Not reported	Account not disputed
Creditor Type	Personal Loans Companies	Personal Loan Companies	Finance, personal
Account Status	Indeterminate	Indeterminate	Indeterminate
Payment Status	Charge-off	Charge-off	Charged off as bad debt

AM HONDA FIN ••••5293 8 of 14 fields differ across bureaus

Field	Equifax	Experian	TransUnion
Account #	467235293	Absent from Experian No data reported for this tradeline.	467235293
High Balance	Not reported		$33,950
Last Verified	04/03/2026		01/14/2025
Date of Last Activity	04/03/2026		01/14/2025
Date Reported	04/03/2026		01/14/2025
Date Opened	01/19/2023		01/19/2023
Balance Owed	$0		$0
Closed Date	04/03/2026		01/14/2025
Account Rating	Closed		Closed
Account Description	Individual Account		Individual account
Dispute Status	Account not disputed		Account not disputed
Creditor Type	Auto Financing		Finance other than personal
Account Status	Closed		Closed
Payment Status	Charge-off		Payment after charge off / collection

Important distinction. A charge-off is an accounting status; it does not automatically prove the current balance, ownership, legal collectibility, or that the item should be deleted. Review documentation and dispute only information that is inaccurate, incomplete, or cannot be verified.

Negative accounts

Late-Payment Accounts

Accounts 1–2 of 6

Every reported field for each late-payment account, compared across the three bureaus. Ranked by the number of late payments reported.

Source count reconciliation: 11 accounts report at least one 30, 60 or 90-day late payment. 6 are shown across these pages; the other 5 are charge-offs and are reviewed in the Charge-Off Accounts section.

GS BANK USA ••••3467 8 of 14 fields differ across bureaus

Field	Equifax	Experian	TransUnion
Account #	1100011134678501	110001113467	1100
High Balance	$1,499	$1,499	$1,499
Last Verified	06/30/2026	05/31/2026	06/30/2026
Date of Last Activity	06/30/2026	11/01/2025	06/30/2026
Date Reported	06/30/2026	05/31/2026	06/30/2026
Date Opened	01/28/2020	01/28/2020	01/28/2020
Balance Owed	$243	$0	$243
Closed Date	Not reported	Not reported	Not reported
Account Rating	Open	Open	Open
Account Description	Individual Account	Individual	Individual account
Dispute Status	Not reported	Not reported	Not reported
Creditor Type	All Banks	All Banks - non specific	Banks and S&Ls
Account Status	Open	Open	Open
Payment Status	Pays account as agreed	Current, was past due 60 days	Paid or paying as agreed

CBNA ••••3032 10 of 14 fields differ across bureaus

Field	Equifax	Experian	TransUnion
Account #	4269372030325998	426937203032	426937203032
High Balance	$579	$579	$579
Last Verified	02/26/2022	10/30/2021	02/26/2022
Date of Last Activity	02/26/2022	10/01/2021	02/26/2022
Date Reported	02/26/2022	10/30/2021	02/26/2022
Date Opened	11/05/2017	11/05/2017	11/05/2017
Balance Owed	$0	Not reported	$0
Closed Date	02/26/2022	10/01/2021	02/26/2022
Account Rating	Closed	Closed	Closed
Account Description	Individual Account	Individual	Individual account
Dispute Status	Account not disputed	Not reported	Account not disputed
Creditor Type	All Banks	All Banks - non specific	Banks and S&Ls
Account Status	Closed	Closed	Closed
Payment Status	Pays account as agreed	Paid, was past due 60 days	Paid or paying as agreed

CAPITAL ONE ••••1183 4 of 14 fields differ across bureaus

Field	Equifax	Experian	TransUnion
Account #	517805871183	517805871183	517805871183
High Balance	$2,284	$2,284	$2,284
Last Verified	06/12/2026	06/12/2026	06/12/2026
Date of Last Activity	06/12/2026	10/01/2024	06/12/2026
Date Reported	06/12/2026	06/12/2026	06/12/2026
Date Opened	12/14/2021	12/14/2021	12/14/2021
Balance Owed	$1,898	$1,898	$1,898
Closed Date	Not reported	Not reported	Not reported
Account Rating	Open	Open	Open
Account Description	Individual Account	Individual	Individual account
Dispute Status	Account not disputed	Account not disputed	Account not disputed
Creditor Type	All Banks	Bank Credit Cards	Banks and S&Ls
Account Status	Open	Open	Open
Payment Status	Pays account as agreed	Current, was past due 90 days	Paid or paying as agreed

CB/VICSCRT ••••6892 8 of 14 fields differ across bureaus

Field	Equifax	Experian	TransUnion
Account #	5185135368923564	539176136892	539176136892
High Balance	$477	$477	$477
Last Verified	06/28/2026	07/10/2026	06/28/2026
Date of Last Activity	06/28/2026	07/01/2026	06/28/2026
Date Reported	06/28/2026	07/10/2026	06/28/2026
Date Opened	10/04/2017	10/04/2017	10/04/2017
Balance Owed	$73	$94	$73
Closed Date	Not reported	Not reported	Not reported
Account Rating	Open	Open	Open
Account Description	Individual Account	Individual	Individual account
Dispute Status	Not reported	Not reported	Not reported
Creditor Type	General Clothing Stores	General Clothing Store	Clothing
Account Status	Open	Open	Open
Payment Status	Pays account as agreed	Past due 30 days four times	Paid or paying as agreed

BRCLYOLDNAVY ••••2389 5 of 14 fields differ across bureaus

Field	Equifax	Experian	TransUnion
Account #	462923894510	00046292389	00046292389
High Balance	$397	$397	$397
Last Verified	06/24/2026	06/24/2026	06/24/2026
Date of Last Activity	06/24/2026	08/01/2024	06/24/2026
Date Reported	06/24/2026	06/24/2026	06/24/2026
Date Opened	08/13/2017	08/13/2017	08/13/2017
Balance Owed	$0	$0	$0
Closed Date	Not reported	Not reported	Not reported
Account Rating	Open	Open	Open
Account Description	Individual Account	Individual	Individual account
Dispute Status	Account not disputed	Account not disputed	Account not disputed
Creditor Type	All Banks	Bank Credit Cards	Banks and S&Ls
Account Status	Open	Open	Open
Payment Status	Pays account as agreed	Current, was past due 60 days	Paid or paying as agreed

SYNCB/AMAZON ••••1237 10 of 14 fields differ across bureaus

Field	Equifax	Experian	TransUnion
Account #	6045781112378657	604578111237	604578111237
High Balance	$402	$402	$402
Last Verified	12/08/2022	08/02/2020	08/02/2020
Date of Last Activity	12/08/2022	08/01/2020	08/02/2020
Date Reported	12/08/2022	08/02/2020	08/02/2020
Date Opened	11/10/2017	11/10/2017	11/10/2017
Balance Owed	$0	Not reported	$0
Closed Date	12/08/2022	08/01/2020	08/02/2020
Account Rating	Closed	Closed	Closed
Account Description	Individual Account	Individual	Individual account
Dispute Status	Account not disputed	Not reported	Account not disputed
Creditor Type	Mail Order Firms	Variety Stores	Department, variety, local, regional, and national chains
Account Status	Closed	Closed	Closed
Payment Status	Pays account as agreed	Paid satisfactorily	Paid or paying as agreed

Negative accounts

Collection Accounts

2 Accounts

JEFFERSON CAPITAL ••••8802 Over 180 days · 572 days since reported opened date

Field	Equifax	Experian	TransUnion
Account #	4002968802	4002968802	Absent from TransUnion No data reported for this tradeline.
High Balance	Not reported	$3,702
Last Verified	07/04/2026	07/11/2026
Date of Last Activity	07/04/2026	12/01/2024
Date Reported	07/04/2026	07/11/2026
Date Opened	12/18/2024	12/18/2024
Balance Owed	$3,482	$3,486
Closed Date	07/04/2026	12/01/2024
Account Rating	NotsatisfyingF20_TRADE	NotsatisfyingF20_TRADE
Account Description	Individual Account	Individual
Dispute Status	Account not disputed	Account information disputed by consumer under the Fair Credit Reporting Act
Creditor Type	Factoring Companies	Bulk Purchase Finance
Account Status	NotsatisfyingF20_TRADE	NotsatisfyingF20_TRADE
Payment Status	Not reported	Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

JEFFERSON CAPITAL ••••1881 Over 180 days · 949 days since reported opened date

Field	Equifax	Experian	TransUnion
Account #	3881581881	3881581881	Absent from TransUnion No data reported for this tradeline.
High Balance	Not reported	$4,420
Last Verified	06/27/2026	06/27/2026
Date of Last Activity	06/27/2026	12/01/2023
Date Reported	06/27/2026	06/27/2026
Date Opened	12/07/2023	12/07/2023
Balance Owed	$4,420	$4,420
Closed Date	06/27/2026	12/01/2023
Account Rating	NotsatisfyingF20_TRADE	NotsatisfyingF20_TRADE
Account Description	Individual Account	Individual
Dispute Status	Account not disputed	Account information disputed by consumer under the Fair Credit Reporting Act
Creditor Type	Factoring Companies	Bulk Purchase Finance
Account Status	NotsatisfyingF20_TRADE	NotsatisfyingF20_TRADE
Payment Status	Not reported	Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

Financial impact

What Lower Credit Can Cost

Home Financing

A 30-year fixed illustration using the requested $400,000 home price. Vehicle financing follows on page 15.

Home financing — 30-year fixed illustration

Rounded U.S. home-price benchmark

$400,000

The U.S. Census Bureau reported a May 2026 median new-home sale price of $424,900. This report uses the requested rounded example.

Person A — Score 730

$1,915.43/mo

Illustrative APR4.025%

Total interest$289,555.09

Total of 360 payments$689,555.09

Person B: Your score — 654

$4,421.05/mo

Illustrative APR12.988%

Total interest$1,191,576.77

Total of 360 payments$1,591,576.77

Same home. Same price. $2,505.62 more per month. $902,021.68 more overall

Illustration only — not a lender quote, offer, or approval. The home price and both APRs come from the source Credit Analysis example and were not quoted by any lender. Actual rates depend on the lender, term, down payment, and the full credit file. Payments exclude down payment, taxes, insurance, mortgage insurance, fees, and closing costs.

Financial impact

What Lower Credit Costs on a Vehicle

3 Vehicles

The same two borrowers financing three different vehicles over an identical 72-month term.

2026 Toyota Camry Example price $29,100 | Term 72 months

Person A — Score 730

$429.11/mo

Illustrative APR1.99%

Total interest$1,795.93

Total payments$30,895.93

Person B: Your score — 654

$546.32/mo

Illustrative APR10.49%

Total interest$10,235.05

Total payments$39,335.05

Same vehicle. Same price. $117.21 more per month. $8,439.12 more overall

2026 Tesla Model Y Example price $48,990 | Term 72 months

Person A — Score 730

$777.44/mo

Illustrative APR4.49%

Total interest$6,985.93

Total payments$55,975.93

Person B: Your score — 654

$957.51/mo

Illustrative APR11.99%

Total interest$19,950.66

Total payments$68,940.66

Same vehicle. Same price. $180.07 more per month. $12,964.73 more overall

2026 Chevrolet Silverado 1500 Example price $40,500 | Term 72 months

Person A — Score 730

$624.26/mo

Illustrative APR3.49%

Total interest$4,446.88

Total payments$44,946.88

Person B: Your score — 654

$776.91/mo

Illustrative APR11.29%

Total interest$15,437.47

Total payments$55,937.47

Same vehicle. Same price. $152.65 more per month. $10,990.59 more overall

Illustrations only — not lender quotes, offers, or approvals. The Toyota Camry price comes from the source Credit Analysis example; vehicle prices, APRs, and the 72-month term shown here are example figures used to compare a strong-credit borrower against this client's reported 654 score. They are not offers and were not quoted by any lender. Actual rates depend on the lender, term, down payment, vehicle, and the full credit file. Payments exclude down payment, taxes, registration, dealer fees, insurance, and add-ons.

Next steps

Recommended 90-Day Action Plan

Client Roadmap

A practical sequence for verifying the file, addressing documented inaccuracies, and reducing ongoing risk.

1

Verify identity data

Confirm legal name, addresses, employers, and any information that does not belong.

2

Complete inquiry data

Obtain creditor names, dates, bureaus, and purposes for all four reported inquiries.

3

Validate negative accounts

Review charge-offs, late payments, and collection accounts separately.

4

Reduce utilization + monitor

Prioritize cards above 70%, keep every account current, and track bureau updates.

You need credit repair

CredFixx organizes the bureau conflicts, prepares the disputes, and tracks every response for you.

Immediate priorities from this file

Two Jefferson Capital collection-status tradelines are more than 180 days old based on the reported opened dates and need prompt documentary review.
Several cards report utilization above 70%, including one account with a bureau-reported balance above its stated limit.
The four inquiry records cannot be individually analyzed until the missing inquiry section is obtained.

CredFixx service focus

Organize bureau inconsistencies and supporting documents.
Prepare disputes for inaccurate, incomplete, or unverifiable reporting.
Track responses and update the action plan.

Client responsibilities

Provide complete and truthful records.
Keep current accounts paid on time.
Avoid new applications unless necessary.
Review every result before it is submitted.

Phone(888) 889-3499

Fax(786) 540-3499

Emailinfo@credfixx.com

Websitewww.credfixx.com

Sources: CredFixx Credit Analysis Report and Credit Analyzer Report dated July 13, 2026; myFICO guidance on hard inquiries; Consumer Financial Protection Bureau Regulation F and time-barred debt guidance; U.S. Census Bureau May 2026 New Residential Sales; Toyota 2026 Camry model information. Educational report only. It is not legal advice, a lender quote, a threat of litigation or service shutoff, or a guarantee of deletions, approvals, rate changes, or score increases. Revised July 15, 2026.

Credit Analysis& Accuracy Review

Credit Analysis
& Accuracy Review