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

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Contents

16 Pages

Every section of this review, in the order it appears.

Start here

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.

American-style single-family home

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
2026 Toyota Camry

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
2026 Tesla Model Y

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
2026 Chevrolet Silverado 1500

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.