Type of Accounts: Personal + Business Credit Building 1. What’s your credit score? Experian: 761 Equifax: 721 TransUnion: 647 FICO / 756 VantageScore 2. How many negative accounts? 1 delinquent account reporting on TransUnion. Experian and Equifax are clean. 3. How many positive accounts? 3+ positive accounts reporting. 4. How many inquiries? Currently a few inquiries, actively managing them. Positive Account Questions How many credit cards? 3 active cards currently reporting. Highest credit card limit? $400 currently (building profile strategically). Oldest credit card history? Still building age/history, currently one of my weaker factors. What is your average credit card utilization? Usually keep utilization between 1% – 3%. How many loans? (Personal, Auto, Mortgage) 1 closed auto loan, 1 closed self-builder loan, no mortgage currently. Highest loan amount? Auto loan around $13,000+. Oldest loan history? Capital One Auto loan history. Business Questions Do you have a business? Yes — I own 2 LLCs. Do you have business credit? Yes, currently building business credit profiles. How many tradelines are on your business credit? Currently early in the building process, actively adding and strengthening business tradelines.