Good afternoon, Jane
Your credit is +22 this month
30-day change · pulled 2h ago
30-day change · pulled 2h ago
30-day change · pulled 2h ago
Score history
52-week trend · all three bureaus · weekly pulls
Score factors
What's driving your score, in order of weight
3 late payments in last 24 months
$8,440 of $14,000 used (60%)
Average age: 7 years 4 months
4 of 5 account types present
3 hard inquiries in last 12 months
Credit utilization
46%
$8,440 of $14,000 used
Target < 10% for top-tier scores
Open accounts
7
12 total tracked
Hard inquiries
7
last 24 months
Negative items
4
4 being disputed
Letters sent
14
this quarter
Items removed
6
of 18 disputed
Recent activity
Last 7 days of agent + bureau events
- Review →
New collection appeared on Equifax
equifax · 1d ago
- Review →
Capital One marked your card 30 days late
transunion · 2d ago
- Review →
Experian returned 'verified' — escalating to MOV
experian · 3d ago
Your TransUnion score moved +14 points
4d ago
- Review →
Medical collection appeared — likely auto-removable
equifax · 5d ago
Negative items
4 flagged · 4 being disputed
- Capital One Quicksilver$3,24730-day late mark in May 2026 — strong goodwill candidateIn dispute
- Synchrony / Care Credit$3,200Round 2 MOV escalation in flight — ExperianIn dispute
- Midland Funding LLC$1,247Junk debt buyer — validation letter awaiting your approvalIn dispute
- HCA Healthcare$387Medical debt under $500 — auto-removable per 2023 bureau policyIn dispute