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Equifax 6.16.2016 .pdf


Original filename: Equifax 6.16.2016.pdf
Title: Full Credit Report | Credit Karma
Author: Lucas

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Reported as of Jun 16, 2016

Lucas Fernandes's Credit Report
Provided by

Overview
Your Credit Score

300

747
Good

Account Mix

Credit Cards

5

Auto

0

Real Estate

0

Student

850

11

Other Loans

0

Total Accounts:

16

Personal Information
Names Reported

See something wrong?

LUCAS D FERNANDES

Find out how to update personal information.

Addresses Reported
Employment Information

97 BRANT WAY
HYANNIS, MA
02601

As of Jun 16, 2016 (latest), you had no employment information
reported on your credit report.

17 RUSTIC LN
HYANNIS, MA
02601

29 CHECKERBERRY ST
HYANNIS, MA
02601

Accounts
Account Name

Account Type

Open Date

Status

Balance

BANK OF AMERICA



Credit Card

May 03, 2012

Account Details
Jun 04, 2016

Creditor Name

BANK OF AMERICA

Account Type

Credit Card

Account Status

Open

Opened Date

May 03, 2012

Closed Date

--

Limit

$1,700

Term

--

Monthly Payment

$25

Responsibility

Individual Account.

Balance

$566

Highest Balance

$1,352

Payment Status

Limit

Term

Monthly Payment
Responsibility
Balance

Highest Balance
Payment Status

Worst Payment Status
Date of Last Payment
Amount Past Due

Times 30/60/90 Days Late
Remarks

2012

U

OK OK OK OK OK OK OK OK OK OK OK OK

J

F

U

M A M

U

J

OK OK OK OK OK OK

J

A

S

O N

D

Unknown

Credit Utilization*

33.29%

See something wrong?
You could dispute an error with Equifax.

--



Student

Aug 20, 2015

Account Details

Closed Date

OK OK OK OK OK OK OK OK OK OK OK OK

2013

OK OK OK OK OK OK OK OK OK OK OK OK

0/0/0

Remarks

Opened Date

2014

--

Times 30/60/90 Days Late

Account Status

OK OK OK OK OK

2015

Jun 01, 2016

Amount Past Due

Account Type

2016

--

Date of Last Payment

Creditor Name

Latest Status: Current

Current

Worst Payment Status

Last Reported

33% of Credit Limit*

No Missed Payments

Payment History

Last Reported

FED LOAN SERVICING

$566

Open - Current

$9,668

Open - Current

No Missed Payments

Payment History
May 31, 2016

FED LOAN SERVICING

Education Loan

Open

Aug 20, 2015

-----

Individual Account.
$9,668
$9,668

Current
---

$0

0/0/0

Student loan -

payment deferred

Latest Status: Current
2016
2015

U

OK OK OK OK

J

F

M A M

J

J

U

A

OK OK OK OK

S

O N

D

Unknown

See something wrong?
You could dispute an error with Equifax.

FED LOAN SERVICING



Student

Nov 03, 2014

Account Details
May 31, 2016

Creditor Name

FED LOAN SERVICING

Account Type

Education Loan

Account Status

Open

Opened Date

Nov 03, 2014

Closed Date

--

Limit

--

Term

--

Monthly Payment

--

Responsibility

Responsibility
Balance

Highest Balance
Payment Status

Worst Payment Status
Date of Last Payment
Amount Past Due

Times 30/60/90 Days Late
Remarks

J

J

A

S

U

O N

OK

D

Unknown

See something wrong?
You could dispute an error with Equifax.

Student loan -

payment deferred



Student

Nov 03, 2014

Account Details

Monthly Payment

M A M

0/0/0

Remarks

Term

F

$0

Times 30/60/90 Days Late

Limit

J

--

Amount Past Due

Closed Date

U

OK OK OK OK OK OK OK OK OK OK OK OK

--

Date of Last Payment

Opened Date

2014

OK OK OK OK

Current

Worst Payment Status

Account Status

2015

$2,000

Payment Status

Account Type

2016

$2,000

Highest Balance

Creditor Name

Latest Status: Current

Individual Account.

Balance

Last Reported

No Missed Payments

Payment History

Last Reported

FED LOAN SERVICING

$2,000

Open - Current

$5,500

Open - Current

No Missed Payments

Payment History
May 31, 2016

FED LOAN SERVICING

Education Loan

Open

Nov 03, 2014

-----

Individual Account.
$5,500
$5,500

Current
---

$0

0/0/0

Student loan -

payment deferred

Latest Status: Current
2016
2015
2014

U

OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK

J

F

M A M

J

J

A

S

U

O N

OK

D

Unknown

See something wrong?
You could dispute an error with Equifax.

FED LOAN SERVICING



Student

Sep 15, 2013

Account Details
May 31, 2016

Creditor Name

FED LOAN SERVICING

Account Type

Education Loan

Account Status

Open

Opened Date

Sep 15, 2013

Closed Date

--

Limit

--

Term

--

Monthly Payment

--

Responsibility

Responsibility
Balance

Highest Balance
Payment Status

Worst Payment Status
Date of Last Payment
Amount Past Due

Times 30/60/90 Days Late
Remarks

J

J

A

U

S

OK OK OK

O N

D

Unknown

See something wrong?
You could dispute an error with Equifax.

Student loan -

payment deferred



Student

Sep 15, 2013

Account Details

Monthly Payment

M A M

0/0/0

Remarks

Term

F

$0

Times 30/60/90 Days Late

Limit

U

J

--

Amount Past Due

Closed Date

OK OK OK OK OK OK OK OK OK OK OK OK

2013

OK OK OK OK OK OK OK OK OK OK OK OK

--

Date of Last Payment

Opened Date

2014

Current

Worst Payment Status

Account Status

OK OK OK OK

2015

$2,000

Payment Status

Account Type

2016

$2,000

Highest Balance

Creditor Name

Latest Status: Current

Individual Account.

Balance

Last Reported

No Missed Payments

Payment History

Last Reported

FED LOAN SERVICING

$2,000

Open - Current

$5,500

Open - Current

No Missed Payments

Payment History
May 31, 2016

FED LOAN SERVICING

Education Loan

Open

Sep 15, 2013

-----

Individual Account.
$5,500
$5,500

Current
---

$0

0/0/0

Student loan -

payment deferred

Latest Status: Current
2016

OK OK OK OK

2014

OK OK OK OK OK OK OK OK OK OK OK OK

2015
2013

U

OK OK OK OK OK OK OK OK OK OK OK OK

J

F

M A M

J

J

A

U

S

OK OK OK

O N

D

Unknown

See something wrong?
You could dispute an error with Equifax.

FED LOAN SERVICING



Student

Aug 31, 2012

Account Details
May 31, 2016

Creditor Name

FED LOAN SERVICING

Account Type

Education Loan

Account Status

Open

Opened Date

Aug 31, 2012

Closed Date

--

Limit

--

Term

--

Monthly Payment

--

Responsibility

Individual Account.

Balance

Monthly Payment
Responsibility
Balance

Highest Balance
Payment Status

Worst Payment Status
Date of Last Payment
Amount Past Due

Times 30/60/90 Days Late
Remarks

J

F

M A M

J

J

U

A

U

S

OK OK OK

O N

D

Unknown

See something wrong?
You could dispute an error with Equifax.

Student loan -

payment deferred



Student

Aug 31, 2012

Account Details

Term

U

OK OK OK OK OK OK OK OK OK OK OK OK

0/0/0

Remarks

Limit

2012

$0

Times 30/60/90 Days Late

Closed Date

OK OK OK OK OK OK OK OK OK OK OK OK

2013

OK OK OK OK OK OK OK OK OK OK OK OK

--

Amount Past Due

Opened Date

2014

--

Date of Last Payment

Account Status

OK OK OK OK

2015

Current

Worst Payment Status

Account Type

2016

$2,000

Payment Status

Creditor Name

Latest Status: Current

$2,000

Highest Balance

Last Reported

No Missed Payments

Payment History

Last Reported

FED LOAN SERVICING

$2,000

Open - Current

$4,500

Open - Current

No Missed Payments

Payment History
May 31, 2016

FED LOAN SERVICING

Education Loan

Open

Aug 31, 2012

-----

Individual Account.
$4,500
$4,500

Current
---

$0

0/0/0

Student loan -

payment deferred

Latest Status: Current
2016

OK OK OK OK

2014

OK OK OK OK OK OK OK OK OK OK OK OK

2015
2013
2012

U

OK OK OK OK OK OK OK OK OK OK OK OK

OK OK OK OK OK OK OK OK OK OK OK OK

J

F

M A M

J

J

U

A

U

S

OK OK OK

O N

D

Unknown

See something wrong?
You could dispute an error with Equifax.

FED LOAN SERVICING



Student

Aug 29, 2011

Account Details
May 31, 2016

Creditor Name

FED LOAN SERVICING

Account Type

Education Loan

Account Status

Open

Opened Date

Aug 29, 2011

Closed Date

--

Limit

--

Term

--

Monthly Payment

--

Responsibility

Individual Account.

Balance

$2,000

Highest Balance

Term

Monthly Payment
Responsibility
Balance

Highest Balance
Payment Status

Worst Payment Status
Date of Last Payment
Amount Past Due

Times 30/60/90 Days Late
Remarks

2011

U

OK OK OK OK OK OK OK OK OK OK OK OK
U

U

U

U

U

J

F

M A M

OK OK OK OK OK OK OK

J

J

U

A

U

S

U

U

O N

U

D

Unknown

See something wrong?
You could dispute an error with Equifax.

Student loan -

payment deferred



Student

Aug 29, 2011

Account Details

Limit

2012

0/0/0

Remarks

Closed Date

OK OK OK OK OK OK OK OK OK OK OK OK

2013

OK OK OK OK OK OK OK OK OK OK OK OK

$0

Times 30/60/90 Days Late

Opened Date

2014

--

Amount Past Due

Account Status

OK OK OK OK

2015

--

Date of Last Payment

Account Type

2016

Current

Worst Payment Status

Creditor Name

Latest Status: Current

$2,000

Payment Status

Last Reported

No Missed Payments

Payment History

Last Reported

FED LOAN SERVICING

$2,000

Open - Current

$3,500

Open - Current

No Missed Payments

Payment History
May 31, 2016

FED LOAN SERVICING

Education Loan

Open

Aug 29, 2011

-----

Individual Account.
$3,500
$3,500

Current
---

$0

0/0/0

Student loan -

payment deferred

Latest Status: Current
2016

OK OK OK OK

2014

OK OK OK OK OK OK OK OK OK OK OK OK

2015
2013
2012
2011

U

OK OK OK OK OK OK OK OK OK OK OK OK

OK OK OK OK OK OK OK OK OK OK OK OK
U

U

U

U

U

J

F

M A M

OK OK OK OK OK OK OK

J

J

U

A

U

S

U

U

O N

U

D

Unknown

See something wrong?
You could dispute an error with Equifax.

MACY'S/DSNB



Credit Card

May 01, 2014

Account Details
Jun 04, 2016

Creditor Name

MACY'S/DSNB

Account Type

Charge Account

Account Status

Open

Opened Date

May 01, 2014

Closed Date

--

Limit

$600

Term

--

Monthly Payment

--

Responsibility

Individual Account.

Balance

$0

Highest Balance

Term

Monthly Payment
Responsibility
Balance

Highest Balance
Payment Status

Worst Payment Status
Date of Last Payment
Amount Past Due

Times 30/60/90 Days Late
Remarks

F

U

U

U

M A M

J

J

A

S

O N

D

Unknown

Credit Utilization*

0.00%

See something wrong?
You could dispute an error with Equifax.

--



Credit Card

Oct 09, 2014

Account Details

Limit

J

U

OK OK OK OK OK OK OK OK

0/0/0

Remarks

Closed Date

U

OK OK OK OK OK OK OK OK

--

Times 30/60/90 Days Late

Opened Date

2014

OK OK OK OK OK

Jul 01, 2014

Amount Past Due

Account Status

2015

--

Date of Last Payment

Account Type

2016

Current

Worst Payment Status

Creditor Name

Latest Status: Current

$172

Payment Status

Last Reported

0% of Credit Limit*

No Missed Payments

Payment History

Last Reported

DISCOVER BANK

$0

Open - Current

$64

Open - Current

13% of Credit Limit*

No Missed Payments

Payment History
May 25, 2016

DISCOVER BANK
Credit Card

Open

Oct 09, 2014

--

$500

--

$35

Individual Account.
$64

$337

Current
--

May 01, 2016

--

0/0/0
--

Latest Status: Current
2016
2015
2014

U

OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK

J

F

M A M

J

J

A

S

U

OK OK

O N

D

Unknown

Credit Utilization*

12.80%

See something wrong?
You could dispute an error with Equifax.

SYNCB/BANANA
REPUBLI



Credit Card

Jun 22, 2014

Account Details
May 22, 2016

Latest Status: Current

Creditor Name

SYNCB/BANANA

2016

Account Type

Charge Account

2014

REPUBLI

Account Status

Open

Opened Date

Jun 22, 2014

Closed Date

--

Limit

$900

Term

--

Monthly Payment

--

Responsibility

Responsibility
Balance

Highest Balance
Payment Status

Worst Payment Status
Date of Last Payment
Amount Past Due

Times 30/60/90 Days Late
Remarks

J

Credit Utilization*

A

S

O N

D

0.00%

See something wrong?
You could dispute an error with Equifax.

--



Credit Card

Jun 23, 2013

Account Details

Monthly Payment

J

0/0/0

Remarks

Term

OK OK OK OK OK OK OK

--

Times 30/60/90 Days Late

Limit

M A M

Jun 01, 2015

Amount Past Due

Closed Date

F

--

Date of Last Payment

Opened Date

J

Current

Worst Payment Status

Account Status

OK OK OK OK OK OK OK OK OK OK OK OK

$417

Payment Status

Account Type

OK OK OK OK

$0

Highest Balance

Creditor Name

2015

Individual Account.

Balance

Last Reported

0% of Credit Limit*

No Missed Payments

Payment History

Last Reported

SYNCB/BANANA REP DC

$0

Open - Current

$0

Closed

No Missed Payments

Payment History
Dec 28, 2015

SYNCB/BANANA REP
DC

Credit Card

Closed - Paid and
Closed

Jun 23, 2013
Apr 01, 2014

$2,500

---

Individual Account.
$0

$89

Current
----

0/0/0
--

Latest Status: Current
2015
2014
2013

U

U

U

U

U

OK OK OK OK

J

F

U

U

U

U

U

U

U

U

U

U

U

U

U

U

M A M

U

OK OK OK OK OK OK OK

J

J

A

S

O N

D

Unknown

Credit Utilization*

0.00%

See something wrong?
You could dispute an error with Equifax.

FED LOAN SERVICING



Student

Sep 11, 2014

Account Details
Oct 31, 2014

Creditor Name

FED LOAN SERVICING

Account Type

Education Loan

Account Status

Closed - Paid and
Closed

Opened Date

Sep 11, 2014

Closed Date

Individual Account.

Balance

$0

Highest Balance

$0

Payment Status

Current

Worst Payment Status

--

Date of Last Payment

--

Amount Past Due

--

Times 30/60/90 Days Late

0/0/0

Remarks

--



Student

Sep 11, 2014

Account Details

Opened Date
Closed Date
Limit

Responsibility
Balance

Highest Balance
Payment Status

Worst Payment Status

Closed

Payment History
Oct 31, 2014

FED LOAN SERVICING

Education Loan

Closed - Paid and
Closed

Sep 11, 2014
Oct 01, 2014

--

Term

Monthly Payment

You could dispute an error with Equifax.

--

Responsibility

Account Status

See something wrong?

--

Monthly Payment

Account Type

No payment history has been reported by this creditor.

--

Term

Creditor Name

Latest Status: Current

Oct 01, 2014

Limit

Last Reported

$0

Payment History

Last Reported

FED LOAN SERVICING

Closed

---

Individual Account.
$0
$0

Current

Date of Last Payment
Amount Past Due

Times 30/60/90 Days Late
Remarks

*Calculated using reported balance and credit limit on account.

----

0/0/0
--

Latest Status: Current
No payment history has been reported by this creditor.
See something wrong?
You could dispute an error with Equifax.

$0


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